We really need to stop meeting like this we really need to talk we really need to talk about kevin how much sleep do we really need how much protein do we really need we really need your support we really need it urgently how much protein do we really need we really appreciate your cooperation we really appreciate your time and effort

We Really Need to Stop Using These 8 Health Buzzwords

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We Really Need to Stop Using These 8 Health Buzzwords

Superfood. Detox. All-natural. These are some of the health buzzwords you come across on social media or while chatting with friends. They might seem like a harmless quirk of our vernacular, but the truth is they can be misleading and even harmful.

Many of these terms are marketing tactics with no science to back up their claims. Research has proven how easily people believe they're eating healthier because they follow buzzwords on food packaging ("fat-free" and "all-natural," for example). The terminology makes you think you're eating something that's better or safer for you without any actual evidence. 

Those ultra-common health buzzwords are just the tip of the iceberg. There are many others that are frequently used or misused. Keep reading to learn which ones you should drop for good.

Read more: 10 Popular Fitness Myths Debunked

Clean eating

The term "clean eating" is often used in reference to a diet that has minimally processed foods and instead focuses on foods closest to their natural state. It sounds harmless, because aren't we constantly being told to eat more fruits and vegetables?

The problem with this term is that it places foods in "good" and "bad" categories (after all, the opposite of clean is dirty) and indicates that there is a right and wrong way to eat. It also disregards those who don't have access to fresh fruits and vegetables because of where they live and their income level. 

Not to mention the vague term is completely made up since there isn't an actual scientific definition for clean eating. It can also lead to an obsession with healthy eating and put vulnerable populations (such as young adults) at risk for disordered eating. So let's reserve the term clean eating to refer to foods that have been thoroughly washed and cleaned before consumption. 

Getty Images

Superfoods

Growing up in a Latinx household, I was exposed to traditional foods that I didn't think much of until I was older. I later learned that some foods I was eating, such as quinoa and chia seeds, were suddenly being labeled "superfoods." Superfood is another term that has no real scientific basis, but is used to describe foods that are thought to have powerful healing properties, like preventing disease or aging.

You may have seen this term splashed across magazine covers, health segments on TV or in your social media timelines. While these foods may provide some health benefits linked to their nutritional content, there isn't enough research to back the claim that a single food can perform miracles like curing someone's illness. 

Calling something the next "superfood" has become a popular marketing gimmick in a wellness industry that knows how to target people to make a quick buck. A better option is to make sure your diet includes a wide array of nutritional foods instead of focusing on the latest fad ingredient. 

Detox and cleanse

People usually turn to detoxes and cleanses for a quick weight loss fix under the guise of flushing so-called "toxins" out of the body. These can come in the form of detox teas, meal replacement shakes, green juice fasting and other methods that require you to eliminate large food groups and consume very few calories. They may not use the word "diet," but that's exactly what they are, and not a healthy or effective one either.

There is no scientific evidence to prove that cleanses and detoxes work. Instead they're an unsustainable (and even dangerous) method to lose weight or "reset" your body. Isabel Vasquez, a licensed dietitian and nutritionist at Nutritiously Yours and Your Latina Nutritionist, says that most of these cleanses may make you feel good initially, but the feeling is short-lived. "These are not sustainable and when we consume excess amounts of certain vitamins, we just excrete them in our urine," she explains. 

Instead of going on an extreme cleanse or diet, Vasquez suggests hydrating adequately and adding fruits and vegetables into your diet for digestion and your overall health. 

Your body also doesn't need a detox, because your kidneys, liver and other organs help with cleansing on a regular basis. But if you think your organs aren't doing their cleansing duties correctly, it's best to see a doctor who can run tests and give you a proper diagnosis. 

Getty Images

Processed foods

Processed foods are products that have been changed (e.g. washed, cut, milled, frozen) or infused with additives to preserve freshness and improve taste. These foods can include a range of items you'd find in your local supermarket, such as cereal, canned beans, milk, fresh fruits and vegetables, olive oil and your favorite cookies. 

The issue with the term "processed foods" is that it's generally used as an umbrella term implying everything you eat that's processed is bad for you. Most people, when they think of processed foods, think about fast foods that are higher in calories, fat, sugar and additives. 

While it's true that these foods are processed and should be consumed mindfully, some foods need to be processed to preserve their freshness, boost their nutritional value and make them easily accessible. Some processed foods, like frozen fruit or oatmeal, are perfectly safe and healthy to eat in abundance. Being processed isn't inherently bad or good. Therefore you can ease your fears about processed foods and instead enjoy them all in a well-balanced diet. 

Cheat day or cheat meal

The terms "cheat day" or "cheat meal" basically mean you're planning on breaking your diet by eating a highly caloric meal or meals that you normally wouldn't have. They sound like harmless terms, but they can ultimately affect your relationship with food. Gabriela Barreto, a registered sports dietitian, says, "This can set people up for a binge-restricted cycle where they restrict certain foods to only be eaten at a certain time and in a large amount."

Even more concerning is if an individual already has a history of food addiction since it can exacerbate those issues for them. Barreto adds, "This kind of restriction we know doesn't work and by setting unhealthy relationships with foods we are more likely to weight cycle when we can no longer uphold those restrictions."

Instead she recommends eating a balanced diet that includes foods that you enjoy as well as foods that promote health without restriction, learning to listen to your body's needs intuitively, and working on your relationship with food.

Peter Dazeley/Getty Images

'Good' and 'bad' foods

Putting foods into categories such as "good" or "bad" further contributes to diet culture and causes people to tie the way they eat to their self worth. These terms are also interchangeably used to describe an individual's eating behavior as being bad or good based on what they ate. "Assigning moral value to food only creates more guilt and shame around certain food choices," says Miriam Fried, a NYC-based personal trainer and founder of MF Strong. She elaborates, "Guilt leads to restriction and restriction often leads to unhealthy behaviors around eating and a negative relationship with food."

Although foods are made up of different caloric content, nutritional and flavor profiles, the body uses it all for energy. Some foods do have more nutritional value than others, but it doesn't mean you have to restrict yourself to just those foods. "Can we acknowledge that a piece of broccoli might have more nutrients than a cookie without making the cookie "bad"? Food isn't good or bad, it simply is," Fried points out. The more you understand that all of these foods can fit into your diet, the easier it will be to stop labeling them as good or bad. 

All-natural

When the term "all-natural" is used, it suggests that the food you're eating has been minimally processed and is therefore safer. The truth is this word doesn't determine if a food is safer for us to eat (as we saw above, processing can be a good thing). In fact, the US Food and Drug Administration doesn't even regulate this term. 

To date, the organization hasn't established a formal definition for all-natural or natural, though the basic understanding is that it means that nothing artificial or synthetic has been added to a food that normally would not be expected to be in that food, such as dye. The other issue with this term is that it doesn't account for the complex food production and manufacturing process. Importantly, "natural" doesn't equal "organic," which is a term regulated by the US Department of Agriculture. Foods with the USDA organic label must meet strict requirements surrounding the use of antibiotics, hormones, fertilizers and pesticides during the production process; natural foods do not.

According to the National Center for Complementary and Integrative Health, natural products aren't automatically better or safer for you. In some cases, such as in medicine, it might cause greater risk or side effects to take a natural, unregulated product than a federally regulated medication. Therefore, take this buzzword with a grain of salt or get rid of it altogether.   

Luis Alvarez/Getty Images

Chemical-free

"Chemical-free" is a buzzword that's commonly tied to the saying, "If you can't pronounce it, don't eat it." When the average person uses it regarding food (or other items), they're saying that all chemicals are synonymous with being toxic and unsafe. This is easily debunked because a basic science lesson will teach you that everything that exists around you, including the foods you eat are made up of chemicals. 

That doesn't negate the fact that there are toxic chemicals that should be avoided, or that you might want to steer clear from out of caution, a food sensitivity or just personal preference. If you are concerned about ingesting pesticides, for example, you can stick to certified organic produce., But it's impossible to completely avoid chemicals in any food. Blueberries, for example, are made up of chemicals known as anthocyanins, chlorogenic acid, pterostilbene and flavonids.

Without context, these chemicals look like something the average person should fear. The truth is marketing plays a big role in fear-mongering when it comes to our food and it's helpful to have reputable resources at our fingertips to debunk these myths. 

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

---

Source

We Really Need to Stop Using These 8 Health Buzzwords

We Really Need to Stop Using These 8 Health Buzzwords

Superfood. Detox. All-natural. These are some of the health buzzwords you come across on social media or while chatting with friends. They might seem like a harmless quirk of our vernacular, but the truth is they can be misleading and even harmful.

Many of these terms are marketing tactics with no science to back up their claims. Research has proven how easily people believe they're eating healthier because they follow buzzwords on food packaging ("fat-free" and "all-natural," for example). The terminology makes you think you're eating something that's better or safer for you without any actual evidence. 

Those ultra-common health buzzwords are just the tip of the iceberg. There are many others that are frequently used or misused. Keep reading to learn which ones you should drop for good.

Read more: 10 Popular Fitness Myths Debunked

Clean eating

The term "clean eating" is often used in reference to a diet that has minimally processed foods and instead focuses on foods closest to their natural state. It sounds harmless, because aren't we constantly being told to eat more fruits and vegetables?

The problem with this term is that it places foods in "good" and "bad" categories (after all, the opposite of clean is dirty) and indicates that there is a right and wrong way to eat. It also disregards those who don't have access to fresh fruits and vegetables because of where they live and their income level. 

Not to mention the vague term is completely made up since there isn't an actual scientific definition for clean eating. It can also lead to an obsession with healthy eating and put vulnerable populations (such as young adults) at risk for disordered eating. So let's reserve the term clean eating to refer to foods that have been thoroughly washed and cleaned before consumption. 

Getty Images

Superfoods

Growing up in a Latinx household, I was exposed to traditional foods that I didn't think much of until I was older. I later learned that some foods I was eating, such as quinoa and chia seeds, were suddenly being labeled "superfoods." Superfood is another term that has no real scientific basis, but is used to describe foods that are thought to have powerful healing properties, like preventing disease or aging.

You may have seen this term splashed across magazine covers, health segments on TV or in your social media timelines. While these foods may provide some health benefits linked to their nutritional content, there isn't enough research to back the claim that a single food can perform miracles like curing someone's illness. 

Calling something the next "superfood" has become a popular marketing gimmick in a wellness industry that knows how to target people to make a quick buck. A better option is to make sure your diet includes a wide array of nutritional foods instead of focusing on the latest fad ingredient. 

Detox and cleanse

People usually turn to detoxes and cleanses for a quick weight loss fix under the guise of flushing so-called "toxins" out of the body. These can come in the form of detox teas, meal replacement shakes, green juice fasting and other methods that require you to eliminate large food groups and consume very few calories. They may not use the word "diet," but that's exactly what they are, and not a healthy or effective one either.

There is no scientific evidence to prove that cleanses and detoxes work. Instead they're an unsustainable (and even dangerous) method to lose weight or "reset" your body. Isabel Vasquez, a licensed dietitian and nutritionist at Nutritiously Yours and Your Latina Nutritionist, says that most of these cleanses may make you feel good initially, but the feeling is short-lived. "These are not sustainable and when we consume excess amounts of certain vitamins, we just excrete them in our urine," she explains. 

Instead of going on an extreme cleanse or diet, Vasquez suggests hydrating adequately and adding fruits and vegetables into your diet for digestion and your overall health. 

Your body also doesn't need a detox, because your kidneys, liver and other organs help with cleansing on a regular basis. But if you think your organs aren't doing their cleansing duties correctly, it's best to see a doctor who can run tests and give you a proper diagnosis. 

Getty Images

Processed foods

Processed foods are products that have been changed (e.g. washed, cut, milled, frozen) or infused with additives to preserve freshness and improve taste. These foods can include a range of items you'd find in your local supermarket, such as cereal, canned beans, milk, fresh fruits and vegetables, olive oil and your favorite cookies. 

The issue with the term "processed foods" is that it's generally used as an umbrella term implying everything you eat that's processed is bad for you. Most people, when they think of processed foods, think about fast foods that are higher in calories, fat, sugar and additives. 

While it's true that these foods are processed and should be consumed mindfully, some foods need to be processed to preserve their freshness, boost their nutritional value and make them easily accessible. Some processed foods, like frozen fruit or oatmeal, are perfectly safe and healthy to eat in abundance. Being processed isn't inherently bad or good. Therefore you can ease your fears about processed foods and instead enjoy them all in a well-balanced diet. 

Cheat day or cheat meal

The terms "cheat day" or "cheat meal" basically mean you're planning on breaking your diet by eating a highly caloric meal or meals that you normally wouldn't have. They sound like harmless terms, but they can ultimately affect your relationship with food. Gabriela Barreto, a registered sports dietitian, says, "This can set people up for a binge-restricted cycle where they restrict certain foods to only be eaten at a certain time and in a large amount."

Even more concerning is if an individual already has a history of food addiction since it can exacerbate those issues for them. Barreto adds, "This kind of restriction we know doesn't work and by setting unhealthy relationships with foods we are more likely to weight cycle when we can no longer uphold those restrictions."

Instead she recommends eating a balanced diet that includes foods that you enjoy as well as foods that promote health without restriction, learning to listen to your body's needs intuitively, and working on your relationship with food.

Peter Dazeley/Getty Images

'Good' and 'bad' foods

Putting foods into categories such as "good" or "bad" further contributes to diet culture and causes people to tie the way they eat to their self worth. These terms are also interchangeably used to describe an individual's eating behavior as being bad or good based on what they ate. "Assigning moral value to food only creates more guilt and shame around certain food choices," says Miriam Fried, a NYC-based personal trainer and founder of MF Strong. She elaborates, "Guilt leads to restriction and restriction often leads to unhealthy behaviors around eating and a negative relationship with food."

Although foods are made up of different caloric content, nutritional and flavor profiles, the body uses it all for energy. Some foods do have more nutritional value than others, but it doesn't mean you have to restrict yourself to just those foods. "Can we acknowledge that a piece of broccoli might have more nutrients than a cookie without making the cookie "bad"? Food isn't good or bad, it simply is," Fried points out. The more you understand that all of these foods can fit into your diet, the easier it will be to stop labeling them as good or bad. 

All-natural

When the term "all-natural" is used, it suggests that the food you're eating has been minimally processed and is therefore safer. The truth is this word doesn't determine if a food is safer for us to eat (as we saw above, processing can be a good thing). In fact, the US Food and Drug Administration doesn't even regulate this term. 

To date, the organization hasn't established a formal definition for all-natural or natural, though the basic understanding is that it means that nothing artificial or synthetic has been added to a food that normally would not be expected to be in that food, such as dye. The other issue with this term is that it doesn't account for the complex food production and manufacturing process. Importantly, "natural" doesn't equal "organic," which is a term regulated by the US Department of Agriculture. Foods with the USDA organic label must meet strict requirements surrounding the use of antibiotics, hormones, fertilizers and pesticides during the production process; natural foods do not.

According to the National Center for Complementary and Integrative Health, natural products aren't automatically better or safer for you. In some cases, such as in medicine, it might cause greater risk or side effects to take a natural, unregulated product than a federally regulated medication. Therefore, take this buzzword with a grain of salt or get rid of it altogether.   

Luis Alvarez/Getty Images

Chemical-free

"Chemical-free" is a buzzword that's commonly tied to the saying, "If you can't pronounce it, don't eat it." When the average person uses it regarding food (or other items), they're saying that all chemicals are synonymous with being toxic and unsafe. This is easily debunked because a basic science lesson will teach you that everything that exists around you, including the foods you eat are made up of chemicals. 

That doesn't negate the fact that there are toxic chemicals that should be avoided, or that you might want to steer clear from out of caution, a food sensitivity or just personal preference. If you are concerned about ingesting pesticides, for example, you can stick to certified organic produce., But it's impossible to completely avoid chemicals in any food. Blueberries, for example, are made up of chemicals known as anthocyanins, chlorogenic acid, pterostilbene and flavonids.

Without context, these chemicals look like something the average person should fear. The truth is marketing plays a big role in fear-mongering when it comes to our food and it's helpful to have reputable resources at our fingertips to debunk these myths. 

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

---

Source

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'The Internet's Best Friend': TikTok Comedian Gets Laughs While Raising Mental Health Awareness

'The Internet's Best Friend': TikTok Comedian Gets Laughs While Raising Mental Health Awareness

The negative effects of social media can be substantial. But then again, so can the positive ones. A 2019 study found that routine social media use is associated with improved social wellbeing, positive mental health and self-rated health. This suggests that social media can be a good thing if you're an intentional and mindful user.

Social media can be a powerful tool for expressing yourself, bringing awareness to social issues and sharing compelling stories that resonate with your audience. Enter Elyse Myers, a comedian who uses platforms like TikTok and Instagram to share stories (like her infamous date where she bought 100 tacos), to make people laugh and to talk about her mental health. In a world of filters that give you bunny ears, there is Myers. She has become a staple of authenticity and honesty that people look to; she's even lending her expertise to events like a mental health panel at VidCon next month.

I had the chance to sit down and talk to Myers about how she uses access to 5.3 million followers across platforms to normalize things like anxiety, depression and self-care. 

Social media can be used to talk about important topics

In the last few years, especially with the rising popularity of TikTok, social media has become a prominent tool for discussing important topics -- including mental health. If you've scrolled through Instagram or TikTok, you've probably come across Myers and her trademark "Great question, I would love to tell you." Her approachability and passion for bringing attention to topics like anxiety and depression with her storytelling have earned her the title of "The internet's best friend." 

Elyse Myers TikTok

For Myers, using her platforms to cover these topics came about naturally, she said. "I never really like woke up one day and thought, you know what, today I'm going to talk about my depression. It just naturally kind of happened because it's something that I'm so passionate about," Myers said. 

"The more we can casually drop it into our conversations and not apologize for it, I think that that's a really powerful thing, and I think that more people need to do that," she added.

She described a journey of being more open and intentional with her platform over time. Besides making people laugh, she wanted to destigmatize normal (yet sensitive) things many people live with. And it turned out that people connected to her and what she had to say. 

"Early on, I was talking about my anxiety and social anxiety. I think I was more pointed with my conversations when I realized that not a lot of people are doing it online and people really resonated with it. I just was so encouraged that people were encouraged by my videos talking about mental health."

You can create and engage in a meaningful community

Social media isn't just a place to bring awareness to things; it's also a place to build and engage in a community. Myers took the time to cultivate connections with her viewers. "I have made a huge point of being very active in my comments and creating community. It's really important for me to not just create content dumping on people that are consuming it and walking away. I don't do that in real life, and I don't want to do that online," she said.

Many have latched onto the positivity Myers offers, which has led to a remarkable community that celebrates mental health and healthy boundaries. The comment sections of her videos, which she described as "overwhelmingly positive," have become a place to connect, share stories and encourage others. And make real change in their lives. 

Elyse Myers TikTok

"I've had people share with me that because I have been so open to talking about my mental health, they've found a therapist for the first time in their life. Or that they have told their families that they've been struggling with certain mental illnesses or addictions," Myers said. 

Communities can be a really powerful thing, both on and off social media. Myers shared an anecdote about a group of Patreon subscribers who "fell in love with being friends" and threw one woman a virtual baby shower. They met through Myers' Patreon, and their friendship developed past casual commenters and into clicking "I'll be there" on an e-invite. 

But you'll have to manage the negativity 

With the good comes the bad -- and there's plenty of negativity on social media. Even with the success stories and actual friendships she has helped grow, nasty comments have been a part of the process. Myers described her experience of becoming "less of a person" to some as her platforms grew. 

"I think that people originally, when my content started coming out, still saw me as a whole person and that it was a person behind the videos," Myers shared. "As my followers have grown, as my influence has grown a little bit and my presence online has grown, people have gotten more comfortable with the fact that maybe I won't see all of the comments." And so they may feel more free to say negative things.

Myers is a comedian with millions of people viewing her content. So, yes, she may get more negativity than most, but those experiences are not limited to influencers on the internet. Not seeing each other as people on social media is a mindset that can be damaging. Comparing yourself with others can lower your self-esteem and damage how you view yourself. 

With filters and social media algorithms, it's easy to forget that the person on your screen is a real person. Managing the uncertainty others bring to social media or how it can potentially negatively affect you is difficult. However, we can all start by viewing each other as people, not products or things or images we'll never live up to.

Tips to make sure social media doesn't bring you down  

It's essential to know your limits with social media. For Myers, who uses social media as part of her job, it's sometimes hard to separate it. Myers shared that the negativity she receives is sometimes hard to ignore. "It's been pretty difficult. It really has weighed on my mental health, the last couple of months, but I'm trying really hard to not engage with it."

Use these tips to help recognize when social media is becoming a negative influence on your mental health.

Don't just post because you feel like you need to

No matter how you use social media -- for your job or recreationally -- sometimes there is pressure to post. How else will your followers know what's going on with you?

"A lot of the time you'll see somebody have initial success, and people are amped and then they feel like they have to repeat that same success over and over and over and over again, or they will become irrelevant," Myers said.

Myers suggests that you shouldn't create or post out of desperation just to get something out there. When you use social media a lot and become emotionally dependent on the feedback you get, it can worsen symptoms of anxiety or depression. Don't treat yourself like a content mill that has to post to get likes. Social media is at its best when it's a supplement to your lifestyle, not everything. 

"When I feel that pressure, that's when I feel the most burnt out, the most tired, the most resentful [toward] my audience, [toward] my job. And that's not healthy for my content, but it definitely isn't healthy for me, as a person, as a mom, as a wife, as a friend," Myers said. 

Define your red flags and take a step back when you need to

This one seems obvious, but it can be one of the hardest to nail down. Being able to identify red flags for your mental health can help you take a step back from social media. Whether it is worsening feelings of anxiety or depression or feeling disconnected from those around you, there will be signs that you need to take a break. Check in on yourself and be intentional about noticing patterns in your mood, how you feel and the quality of sleep you're getting. This will help determine when you need to step away or take a digital detox. 

Don't forget what social media can do

Social media doesn't have to be a place where you only display your best self. And it doesn't have to be a place where you engage with negative comments. When used intentionally, social media can be a really good thing. 

Myers uses it to make people laugh and talk about mental health, but you can keep up with old friends, connect with others or even find new ways to decorate your living room. Social media can be a powerful way to bring awareness about issues and connect with others, but using it should never be at the expense of your mental wellbeing.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

---

Source

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Is caffeine really bad for you? A doctor weighs in

Is caffeine really bad for you? A doctor weighs in

Mmmm, coffee. If you're anything like me, you can't live without a morning cup (or four). But with all the fear mongering about how caffeine might give you heart disease or cancer, you may be feeling a little freaked out about the habit.

I was mainly terrified at the prospect of having to quit coffee, so I did some research and talked to Dr. Matthew Chow, a neurologist and assistant clinical professor at UC Davis, to get the lowdown on caffeine intake. He told me everything you need to know, including who should stay away from the stuff, what health benefits it could provide and how to know when you need to quit.

Who shouldn't drink caffeine?

Energy drinks aren't great for anyone to consume, least of all children.

Getty Images

Chow explains that children should refrain from ingesting any caffeine, as well as people with heart disorders (specifically arrhythmias) or peptic ulcer disease.

The main reason that kids should stay away from caffeine is because they tend to drink it in the form of sodas and energy drinks. These beverages are marketed toward children, but contain high levels of sugar and can contribute to childhood obesity and health disorders. The caffeine in those beverages could potentially be harmful when concentrated in childrens' smaller bodies as well, so Chow recommends that kids don't consume any at all.

Chow also notes that anyone who is pregnant should stay away from caffeine, though the evidence behind this rule of thumb is inconclusive. There are differing opinions about this guideline in the medical community -- Dr. Deep Bhatt of Weill Cornell Medicine tells CNET in an email statement that pregnant people should keep their caffeine intake below 300 milligrams per day. Anyone who is concerned about their caffeine intake while pregnant should talk to their doctor.

How much caffeine should I drink?

Beware of coffee drinks that contain extra shots of espresso.

Getty Images

For anyone who's cleared to drink caffeine, the upper limit is about 400 milligrams per day. That equals four cups of coffee, 8 cups of green tea or 10 cans of soda. However, this guideline is highly personal -- if you feel jittery or uncomfortable when drinking caffeine, consider limiting yourself further.

Will caffeine give me heart disease?

One comprehensive study debunked the myth that moderate caffeine intake in healthy adults leads to an increased risk of atrial fibrillation or arrhythmia. It also has not been demonstrated to raise the chance of coronary artery disease, myocardial infarction or stroke.  

While caffeine causes a short-term increase in blood pressure (lasting for around three hours), it hasn't been shown to raise your blood pressure on a long-term basis. Still, anyone with chronic high blood pressure should talk to their doctor about consuming caffeine, or consider cutting back.

Is it bad if I'm addicted to caffeine?

It depends. If you find yourself physically dependent on caffeine, Chow says that it's a good idea to ask yourself why. Do you chug coffee throughout the day because you don't sleep well at night? If so, it's time to focus on getting enough high-quality rest during the nighttime instead of ordering more double shot espressos. 

Again, if you're dependent on caffeine and also have a heart disorder, high blood pressure or any other chronic health conditions, you should highly consider weaning yourself off. Chow explained that a large part of caffeine addiction is psychological -- sometimes all we really want is a warm beverage in the morning. Substituting a latte for a hot cup of herbal tea may give you that same good feeling.

If you are downing several energy drinks each day, you might need to cut back.

Getty Images

Other than that, if you keep your caffeine intake to a safe level, there's not necessarily a compelling reason to force yourself to quit. Those two cups of black coffee in the morning most likely aren't doing you any harm.

Are there any health benefits to caffeine?

You're probably fairly familiar with the short-term cognitive benefits of caffeine: increased concentration, memory, alertness and attention. These advantages come from the fact that caffeine stimulates the sympathetic nervous system, meaning it activates your flight or fight response. Chow explains that people usually experience the benefits of caffeine most when they've gotten insufficient sleep.

One study suggested that drinking moderate amounts of coffee reduces the risk of several different types of cancer. However, the mechanism behind this correlation is unclear -- the lowered risk of cancer could come from the antioxidants naturally present in coffee, and not the caffeine. While the caffeine itself may be inconsequential, drinks like green and black tea contain plant chemicals that are suggested to reduce inflammation and the risk of cardiovascular disease. 

The bottom line? As long as your doctor clears you to drink moderate amounts of caffeine, it's a very safe substance that might even have powerful health benefits. Just make sure you're in it for the right reasons.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

---

Source

https://nichols.my.id/how-to-fix-headphone-jack-loose.html

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Best Mental Health Apps for 2022

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Best Mental Health Apps for 2022

Therapy can be a daunting step to take, but it is important for us to treat our mental health appropriately, so we can lead better lives. There are a number of mental health apps that can go a long way in helping you relieve stress, bring down your anxiety or even help you take the first steps in going to therapy and talking to someone. Research shows that mental health apps are also a great way to improve your well-being and keep tabs on your wellness journey.

There's a lot to love about mental health apps -- the variety, the affordability and the features. They also bring mental health resources to people who otherwise couldn't get help due to finances, disabilities or location. But they're not all created equal. Not all mental health apps are backed by research or clinical insights. With between 10,000 to 20,000 wellness apps out there, it can be difficult to find the best option for you. We've pulled together a curated list of our top choices to make the process easier.

Read more: Best Online Therapy Services

Screenshot by Taylor Leamey/CNET

Talkspace takes our top spot for the best therapy app because of its 24/7 access to medical professionals. It's an affordable online therapy option that gives you more than just helpful guides and videos to watch. You have access to a licensed therapist wherever and whenever you need them. Talkspace is a great option for someone who is not comfortable going into an office or would rather have therapy appointments online. 

A 2020 study found that messaging a therapist through Talkspace reduced feelings of anxiety and depression. A different study said that using Talkspace's voice, video and text features also reduced symptoms of post-traumatic stress disorder, or PTSD. Note that the researchers of the studies had connections to Talkspace.

Within the app, you have access to video, text and audio chat to communicate with your therapist. However, users note there is a 5-minute cap on audio messages. 

Talkspace is significantly more expensive than other apps on the list. However, if you're looking for an app that allows you to talk to a therapist directly, it may be worth the price. 

Price: Plans start at $65/week. 

Talkspace best features:

• Talkspace offers therapy with a mental health professional. Not all mental health apps offer this feature.
• You can change therapists. 
• Access to treatment and Talkspace features 24/7. 

Things to consider:

• Since it offers therapy, Talkspace is more expensive than other apps. Which may put it out of reach for some.
• You can use insurance to pay for Talkspace, but some users have noted customer service wait times and other insurance troubles. 

Screenshot by Taylor Leamey/CNET

Calm is one of the most well-known mental health apps in the wellness space, with over 100 million downloads. We consider Calm one of the best meditation apps because of its comprehensive offerings, including breathing techniques and calming exercises. 

The Calm app is pretty easy to navigate and organized well. When you open the app, you are prompted to take a few deep breaths. Then you select what your main goals are so that your recommendations are tailored to your needs. You also can track statistics within the app, such as how long you have been using the app or how many sessions you've completed. 

The free version of Calm is limited, but there is a 7-day trial that helps you decide if it's right for you. After the trial, you have to pay the premium to access the 100 guided meditations, sleep library and masterclasses, which is $14.99/month or $69.99/year. If you are ready to commit to Calm, it's good to go with the full-year option since it comes out to just under $6/month instead of the full $15. Or you can always stay with the limited free version.

Price: $14.99/month or $69.99/year

Calm best features:

• Calm is simple to use and the exercises are easy to follow. It's a great mental health app for beginners. 
• Features of Calm include breathing exercises, sleep programs, relaxation and mindfulness techniques. 
• You have access to sleep stories narrated by celebrities like Harry Styles or Laura Dern.

Things to consider: 

• Calm offers a free version of the app, however, it is limited. You have to pay to access the full features. 
• You do have to enter payment upfront when you sign up, meaning you have to remember to cancel if you decide it's not for you.
• Reviews say that the app has troubles and customer service can be difficult to work with. 

Screenshot by Taylor Leamey/CNET

The Moodfit app has a lot to offer, and you can choose how to use the app. You can track sleep, nutrition, exercise and more during your wellness journey. Moodfit uses tools and sessions that help you assess your feelings, recognize negative thinking and change it. 

The Moodfit app has pretty standard navigation. The "notices" tab at the bottom is what I would consider the educational section. There is a lot of good information available, like how your thoughts influence your behavior and feelings, but you will have to take the time to actually read it. Other apps have a more interactive experience with imagery, videos and readouts. 

Where I think where Moodfit really shines is its analytics. With the easy-to-interpret charts, you can spot patterns in your mood and your activities. You also can track your mood down to the hour -- analytic views available are monthly, weekly, daily and hourly. Many apps do have analytics, but Moodfit puts a lot of intention behind helping you find patterns in your behavior and moods.

Price: $8.99/month

Moodfit best features:

• With Moodfit, you can adapt what the app offers based on your goals. Daily reminders and exercises will keep you on track.
• Moodfit has some of the best analytics available in the mental health app game.

Things to consider:

• Moodfit does not offer communication with a therapist.
• The basic version of Moodfit does not include all that the app has to offer. The premium version is $8.99/month, which is a few dollars cheaper than the average cost of the best mental health apps without therapist access. 

Moodfit's home page features your progress and goals. 

Screenshot by Taylor Leamey/CNET

Screenshot by Taylor Leamey/CNET

Sanvello is the best mental health app for stress relief thanks to its full meditation library, guided journeys, health tracking and cognitive behavioral therapy tools. I was pleasantly surprised when using Sanvello. For me, it was a lesser-known option on the list, and it did not disappoint. You can choose what goals you want to target -- reduce anxiety, feel happier, build confidence, etc., and you can select as many goals as you want.

One of my favorite parts of the Sanvello app was how connected it felt when using it. Like other apps, there is an education section. What's different is how it is presented. Sanvello uses text, videos and audio for a multimedia experience that is much easier to follow and digest. This comes down to preference, as some people prefer to read at their cadence. 

The basic version of Sanvello is free. However, there are additional features that the app offers -- like coaching and guided journeys -- that are not available on the free version. There is a premium option of $8.99/month and a premium plus coaching option for $50/month which offers a coach with live connection capabilities. 

Price: $8.99/month or $50/month

Sanvello best features:

• You can choose which areas you want to target, which allows for personalization. 
• Unlike other apps, Sanvello has an option to connect with peers who are going through the same things. 
• Sanvello does have a therapy subscription that connects you with a licensed therapist. 
  

Things to consider: 

• Unfortunately, the therapy option is not available in all states, and if not covered by insurance, it can get expensive. 
• There are limitations to the free app. You have to pay a subscription to access advanced features. 

The Sanvello app allows you to select which goals you want to target. 

Screenshot by Taylor Leamey/CNET

Screenshot by Taylor Leamey/CNET

Happify is a free mental health app that focuses entirely on your mood and helps relieve anxiety. Developed by mental health professionals, Happify's strategies are derived from cognitive behavioral therapy that helps you learn how to recognize and reorient negative thinking. 

Happify had the most thorough questionnaire when signing up. I was asked about relationships, employment and medical conditions to help personalize the service. As the name suggests, Happify focuses on positivity and tries to make your journey fun with engaging games. With the relaxation and mindfulness techniques Happify offers, you can boost your mood and relieve anxiety. 

The app has a different navigation setup than other apps. Instead of having the navigation bar at the bottom, there's a three-bar dropdown you have to tap to bring up the menu at the top left, making it just a little more difficult to find things. 

Price: $14.99/month or $139.99/year. You also can purchase "lifetime access" for $499.99. 

Happify best features:

• Happify was developed by therapists. It's one of the most robust mental health apps on the list. 
• You can personalize how you use the app by selecting what your goals are. 
• When using Happify, you have access to a community forum or you can keep your account private. 
• Happify also has a digital coach feature available. 
  

Things to consider:

• The free features available are limited. To access the digital coach and advanced features, you have to pay for a subscription. 
  

Various tracks are available from Happify.

Screenshot by Taylor Leamey/CNET

Screenshot by Taylor Leamey/CNET

MindShift is a free mental health app specifically designed to target anxiety. Categories within the app are broken down into general worry, social anxiety, perfectionism, panic and phobias. This allows the user to personalize which type of anxiety they want to work through.

As the name suggests, MindShift targets your mindset, meaning that it helps you identify what is making you anxious and helps you redirect your thinking to positivity. When you open the app, you're prompted to rate your daily anxiety score to track over time. The app is pretty easy to use and easier to navigate than other options simply because there is less available. One tool that stood out was the "thought journal" that helps you work through what you're worried about and how to overcome negative thoughts. "Coping cards" are also available to help you ease anxiety in the moment. 

MindShift is much more interactive than other apps, as it relies on you to add anxiety scores and type responses to get the best experience. Other apps are mainly reading-based. If you want the best out of MindShift, you need to interact with the app.

Price: Free

Mindshift best features:

• MindShift is a very interactive app that allows you to choose which type of anxiety you target. 
• It's a free app that used psychotherapy techniques. 

Things to consider:

• Because it's free, you have a limited number of entries a day. 
• The app may have technical difficulties. 

Screenshot by Taylor Leamey/CNET

The unique experiences of people of color are often excluded from traditional mental health resources. The wellness app industry is traditionally not inclusive and mainly focuses on experiences that white people encounter. Only one in three Black Americans get the mental health care they need. That's why Shine is the pick for the best mental health app for people of color. 

It's specially designed to target the needs and struggles of people of color, making mental health resources more accessible and inclusive. Shine offers meditations, self-care courses led by experts and monthly virtual workshops. You are also prompted to add a wellness check-in each day and are greeted with motivational messages. 

Price: $14.99/month

Shine best features:

• The topics and practices offered are focused on BIPOC mental health. This is unique to the mental health app space.
• You have access to a peer community that offers support and empowerment.  
  

Things to consider:

• Shine offers a free app version, though you will not have access to all the features offered. 
• The price is about average when compared to the other options on the list. 

Selection of choices for Shine app. 

Screenshot by Taylor Leamey/CNET

How we chose the best mental health apps

The apps included on the best mental health app list have the best features supported by research. When selecting our picks, we examined each app's user experience, features and pricing. We also read through user reviews to tease out pain points and what people value in mental health apps.

Frequently asked questions

What are mental health apps?

Who doesn't want therapy from the comfort of home? Mental health apps are tools you can use to improve your well-being. While not all offer online therapy, they're simple to use and make managing your mental health easy. Each app will vary in what it targets. For example, Calm specializes in relaxation and breathing. Moodfit focuses on tracking your mood and finding patterns. 

Mental health apps are not intended to diagnose conditions or be a replacement for therapy. Instead, they are a great tool to use for continued support daily. They offer encouragement, education and helpful activities you can use to improve several areas of your mental health.   

Read more: Tips to Find the Right Therapist For You

Are mental health apps effective?

Experts are split on the effectiveness of mental health apps. Some studies have not found "convincing evidence" that apps greatly improve outcomes related to disorders like anxiety, depression or drinking. However, other research has suggested that mental health apps have potential in managing and improving symptoms of select disorders. 

The research on the effectiveness of long-term treatment with apps is young. Most experts agree that they are a great tool to support your mental health, especially when you use them in addition to other treatment options. They are not intended to diagnose conditions and should be viewed primarily as a complement to traditional treatment options.

What are the benefits of mental health apps?

Mental health apps bring resources to those who otherwise may not have had access to them, whether because of financial standing or regional location. And while they are not a true replacement for therapy, mental health apps are a great way to self-regulate and be mindful of how you're feeling.

• Convenience: You can track your mood, talk to a counselor or read about mental health topics from anywhere. 
• Price: Mental health apps are significantly more affordable than traditional therapy. Many are available for under $20/month.
• Consistency: You want to be as consistent as possible during your wellness journey. With push notifications and props to check in, mental health apps ensure that you are being mindful of patterns in your behaviors or moods and how to meet your goals. 
• 24/7 access: With a mental health app, you can access resources whenever you need them. While some of the counselors may not reply immediately, you have access to the app's other features 24/7. 
• They can help: Wellness apps can help you achieve your goals, whatever they are. For example, they can help you recognize patterns in your mood or improve your coping skills. 

Will mental health apps be the end of therapy?

Mental health apps are great tools that supplement your experience. However, it's unlikely they would ever replace traditional therapy, even the options that offer virtual therapy. Mental health apps have limitations in crises, and there are questions about effectiveness when used alone. Mental health apps aren't the best option for everyone. While the apps are typically user-friendly, some people still prefer to meet in person and have their therapists' undivided attention. It's all a matter of preference.

Read more: What Is Cognitive Behavioral Therapy? 

Do mental health apps share your data?

With mental health apps, you can't assume that everything is protected under the Health Insurance Portability and Accountability Act. Mental health apps fall in a gray area. HIPAA only protects information collected by "covered entities," including healthcare providers and insurance companies. Many of the best mental health apps on the market operate without connection to covered entities, meaning your information isn't completely private. 

HIPAA applies to conversations with your therapist on an app. So you don't need to worry about what you disclose in those sessions. However, the apps' additional features -- guided meditations, CBT exercises and mood logs -- are not always kept confidential. Neither is the fact that you use a mental health app. The data you give the apps outside of therapy sessions can be sold for targeted advertising. And it's not just Facebook; your information can be shared with public health and academics for research.

Privacy will vary by platform. Make sure you read the privacy policy of each app to fully understand your protection.

Should you use a mental health app?

For many people, apps are an important tool to guide their wellness journey. While they are not a replacement for therapy, mental health apps are a great way to check in on yourself. My advice is that mental health apps are what you put into them. Many of the free ones offer helpful, educational content. But you need to take the time to read it. Others allow you to work through stressors with open-ended answer boxes. But you have to interact with the app to truly benefit from it. 

A wellness app won't give the client's relationship with a counselor that traditional talk therapy offers. And for some, that's not something they are willing to give up. But if therapy is currently out of your reach, especially due to cost, then mental health apps may be a good option. You won't get the highly personalized experience you could get with another person, but you can still learn healthy habits and skills.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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Should you buy a home in 2021 should you buy a home before selling should you buy a refurbished computer should you buy travel insurance should you buy tesla stock should you buy extended warranty should you pop a blister how many eggs should you eat

Should You Buy a Home in 2022? Here's What You Need to Know

Should You Buy a Home in 2022? Here's What You Need to Know

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

After two years of a wildly hot and competitive housing market with skyrocketing home prices, there are some signs indicating that these record-high spikes might start leveling off. This past April, home price increases declined for the first time in four months, as did sales of new homes. 

But many experts note that, given the ongoing shortage of properties, home prices will still continue to go up in 2022 -- just at a slower pace. Plus, prospective new homeowners have to contend with relatively high mortgage rates, which keep monthly mortgage payments expensive. Although mortgage rates have dropped slightly since the Federal Reserve announced its fourth rate hike of the year to continue combating inflation, they're still more than 2% higher than they were at the beginning of 2022. So homebuyers should expect their mortgage payments to be higher this year, even if lessening demand decreases competition for homes.

"If we've seen the peak in inflation then we have seen the peak in mortgage rates," said Greg McBride, chief financial analyst at CNET's sister site, Bankrate. "The outlook for a weaker economy will hold sway as long as inflation pressures begin to show evidence of easing. If we get a couple months down the road and that hasn't happened, then all bets are off."

Even though mortgage rates appear to be leveling off, when taking all of these factors into account, a homebuyer will now pay almost 47% more for the same property compared with a year ago, according to Realtor.com. 

Buying a home is one of the most important money moves you'll ever make. It's an exceptionally personal decision that requires evaluating your long-term goals while making sure you're financially ready, from the down payment to interest on a home loan. Your job stability, household needs and the inventory available where you want to live all play a role in determining what makes sense for you. 

Here are the most important things to consider when buying a house in 2022, including why it might make sense to wait or to rent instead of buy. 

Key factors to consider when buying a home in 2022

Right now, home prices are still seeing double-digit growth nationwide and all-cash offers still make up around a quarter of housing bids, according to Jessica Lautz, vice president of demographics and behavioral insights at the National Association of Realtors. Does that mean you should try to hold off until prices start going down? Not necessarily.

The first thing to keep in mind is that expert predictions are imperfect. No one knows what's going to happen with the economy, even with warning signs for events like recessions. And timing the market, or trying to make decisions based on what you think will happen to prices or rates in the future, is generally not a sound strategy. "With housing, buyers tend to obsess over home values and how buying at a certain time may be better for appreciation and equity," said Farnoosh Torabi, personal finance expert and editor-at-large at CNET. "That's important, but your monthly housing payment is what really matters in the end."

Even if you have a plan, be prepared to pivot in this market. Maggie Moroney, 27, is trying to buy her first home in the Washington, D.C. area, but can't find anything affordable. Between sales and rentals, there's low inventory in both markets. 

"I probably could try to buy something, but it'd be a little bit of a stretch, especially with interest rates," she said. Moroney doesn't want to rush the decision and plans to wait it out if she doesn't find a home she likes, with the hope that more inventory will start to hit the market. "I'd rather have a rental I'm not super in love with than a home I'm not in love with."

If you're teetering between buying a home and waiting, here are some factors to keep in mind.

1. Mortgage rates and price trends

In today's housing market, high prices along with home loan rates are two of the most important factors at play. Although mortgage rates fluctuate daily, they are expected to remain between 5-6% for the rest 2022 -- though what happens next with inflation will tell where rates are headed. So far, rates are already more than 2 percentage points higher than this time a year ago and passed the 5.5% mark in June, but seem to be evening out since the announcement of the Fed's fourth rate hike in July. 

Although rates dipped slightly with the most recent interest hike, it's still important to understand how the rate you lock in for your mortgage will impact your monthly payments, as well as the total amount you'll pay over the lifetime of your loan. 

For example, if you take out a 30-year fixed-rate mortgage to buy a $500,000 house at a 5.2% interest rate, you'll pay $488,000 in interest over the life of your loan. But if you wait and buy a $450,000 house at a 6.5% interest rate, you'll end up paying $574,000 in interest over the course of your mortgage. So even though you paid less for your home, you're paying more than the difference in price due to interest over three decades. 

Scaling back your budget and looking at homes that may be smaller or in less-expensive neighborhoods is an option to consider if higher mortgage rates have made your previous housing goals unattainable.

2. Financial and personal goals 

Homeownership is still considered one of the most reliable ways to build wealth. When you make monthly mortgage payments, you're building equity in your home that you can tap into later on. When you rent, you aren't investing in your financial future the same way you are when you're paying off a mortgage.

Another factor to take into consideration is how long you plan to live in the house. If you expect to live there for a decade or longer, you'll likely be able to refinance your mortgage to a lower rate, reducing your monthly payment in the process. However, if you plan to move in a few years, it likely won't make financial sense for you to refinance. In that case, it's worth considering an adjustable-rate mortgage, which can help offset today's high mortgage rates by offering you a lower initial interest rate that only adjusts or increases later on in your mortgage term.

3. Future housing trends and recession risks

As buyer competition decreases when buying a home becomes increasingly unaffordable, it could mean that inventory opens up where you're looking. In June, the national inventory of available homes grew by 18.7% this year compared to last year. More available inventory means that you have more homes to choose from, increasing the chances you can buy something you actually want this year versus scrambling in a bidding war for whatever is available in your budget.

But there's also talk of a looming recession. If you wait to buy instead, you could avoid potentially overpaying for a home that could lose its value in an upcoming economic downturn, said Torabi. Plus, if the economy slows down, it's possible the Federal Reserve will raise interest rates less aggressively, which could benefit potential homeowners trying to lock in a better rate on their mortgage. 

Is it better to rent than buy right now? 

It depends, especially when we're dealing with an unpredictable period of high inflation. 

On one hand, if you buy a house and secure a fixed-rate mortgage, that means that no matter how much prices or interest rates go up, your fixed payment will stay the same every month. That's an advantage over renting since there's a good chance your landlord will raise your rent to counter inflationary pressures. Right now, rents are rising faster than wages, and if homebuyers are priced out of the housing market, there'll be more pressure to rent, which will increase competition. Many are already experiencing a red-hot rental market, leading to rental bidding wars and evictions. 

On the other hand, even though a fixed-rate mortgage can offer you more predictability and budget stability, "as long as inflation continues to outpace wages, there could be benefits to renting right now as the economy worsens," said Torabi. 

For example, one advantage of renting over buying is that you can save the cash you would have otherwise needed to use for a down payment. In a time of economic uncertainty, if you don't have to worry about coming up with a down payment and emptying most of your entire bank account to secure yourself a home, you can stay more liquid. Having more cash on hand can offer you added security if a recession negatively impacts your financial situation.

"It's important to know the differences in cost of owning a home versus the cost of renting," said Robert Heck, vice president of mortgages at Morty, an online mortgage marketplace. "How much is homeowners insurance going to cost? How much are the annual property taxes? Maybe you're not used to paying property taxes if you've been renting. Consider the costs that will go into maintaining a home."

Ultimately, whether you rent or buy often comes down to practical considerations like whether you need more space to start a family, or your lease is ending -- regardless of market conditions.

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Should You Buy a Home in 2022? Here's What You Need to Know

Should You Buy a Home in 2022? Here's What You Need to Know

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

After two years of a wildly hot and competitive housing market with skyrocketing home prices, there are some signs indicating that these record-high spikes might start leveling off. This past April, home price increases declined for the first time in four months, as did sales of new homes. 

But many experts note that, given the ongoing shortage of properties, home prices will still continue to go up in 2022 -- just at a slower pace. Plus, prospective new homeowners have to contend with relatively high mortgage rates, which keep monthly mortgage payments expensive. Although mortgage rates have dropped slightly since the Federal Reserve announced its fourth rate hike of the year to continue combating inflation, they're still more than 2% higher than they were at the beginning of 2022. So homebuyers should expect their mortgage payments to be higher this year, even if lessening demand decreases competition for homes.

"If we've seen the peak in inflation then we have seen the peak in mortgage rates," said Greg McBride, chief financial analyst at CNET's sister site, Bankrate. "The outlook for a weaker economy will hold sway as long as inflation pressures begin to show evidence of easing. If we get a couple months down the road and that hasn't happened, then all bets are off."

Even though mortgage rates appear to be leveling off, when taking all of these factors into account, a homebuyer will now pay almost 47% more for the same property compared with a year ago, according to Realtor.com. 

Buying a home is one of the most important money moves you'll ever make. It's an exceptionally personal decision that requires evaluating your long-term goals while making sure you're financially ready, from the down payment to interest on a home loan. Your job stability, household needs and the inventory available where you want to live all play a role in determining what makes sense for you. 

Here are the most important things to consider when buying a house in 2022, including why it might make sense to wait or to rent instead of buy. 

Key factors to consider when buying a home in 2022

Right now, home prices are still seeing double-digit growth nationwide and all-cash offers still make up around a quarter of housing bids, according to Jessica Lautz, vice president of demographics and behavioral insights at the National Association of Realtors. Does that mean you should try to hold off until prices start going down? Not necessarily.

The first thing to keep in mind is that expert predictions are imperfect. No one knows what's going to happen with the economy, even with warning signs for events like recessions. And timing the market, or trying to make decisions based on what you think will happen to prices or rates in the future, is generally not a sound strategy. "With housing, buyers tend to obsess over home values and how buying at a certain time may be better for appreciation and equity," said Farnoosh Torabi, personal finance expert and editor-at-large at CNET. "That's important, but your monthly housing payment is what really matters in the end."

Even if you have a plan, be prepared to pivot in this market. Maggie Moroney, 27, is trying to buy her first home in the Washington, D.C. area, but can't find anything affordable. Between sales and rentals, there's low inventory in both markets. 

"I probably could try to buy something, but it'd be a little bit of a stretch, especially with interest rates," she said. Moroney doesn't want to rush the decision and plans to wait it out if she doesn't find a home she likes, with the hope that more inventory will start to hit the market. "I'd rather have a rental I'm not super in love with than a home I'm not in love with."

If you're teetering between buying a home and waiting, here are some factors to keep in mind.

1. Mortgage rates and price trends

In today's housing market, high prices along with home loan rates are two of the most important factors at play. Although mortgage rates fluctuate daily, they are expected to remain between 5-6% for the rest 2022 -- though what happens next with inflation will tell where rates are headed. So far, rates are already more than 2 percentage points higher than this time a year ago and passed the 5.5% mark in June, but seem to be evening out since the announcement of the Fed's fourth rate hike in July. 

Although rates dipped slightly with the most recent interest hike, it's still important to understand how the rate you lock in for your mortgage will impact your monthly payments, as well as the total amount you'll pay over the lifetime of your loan. 

For example, if you take out a 30-year fixed-rate mortgage to buy a $500,000 house at a 5.2% interest rate, you'll pay $488,000 in interest over the life of your loan. But if you wait and buy a $450,000 house at a 6.5% interest rate, you'll end up paying $574,000 in interest over the course of your mortgage. So even though you paid less for your home, you're paying more than the difference in price due to interest over three decades. 

Scaling back your budget and looking at homes that may be smaller or in less-expensive neighborhoods is an option to consider if higher mortgage rates have made your previous housing goals unattainable.

2. Financial and personal goals 

Homeownership is still considered one of the most reliable ways to build wealth. When you make monthly mortgage payments, you're building equity in your home that you can tap into later on. When you rent, you aren't investing in your financial future the same way you are when you're paying off a mortgage.

Another factor to take into consideration is how long you plan to live in the house. If you expect to live there for a decade or longer, you'll likely be able to refinance your mortgage to a lower rate, reducing your monthly payment in the process. However, if you plan to move in a few years, it likely won't make financial sense for you to refinance. In that case, it's worth considering an adjustable-rate mortgage, which can help offset today's high mortgage rates by offering you a lower initial interest rate that only adjusts or increases later on in your mortgage term.

3. Future housing trends and recession risks

As buyer competition decreases when buying a home becomes increasingly unaffordable, it could mean that inventory opens up where you're looking. In June, the national inventory of available homes grew by 18.7% this year compared to last year. More available inventory means that you have more homes to choose from, increasing the chances you can buy something you actually want this year versus scrambling in a bidding war for whatever is available in your budget.

But there's also talk of a looming recession. If you wait to buy instead, you could avoid potentially overpaying for a home that could lose its value in an upcoming economic downturn, said Torabi. Plus, if the economy slows down, it's possible the Federal Reserve will raise interest rates less aggressively, which could benefit potential homeowners trying to lock in a better rate on their mortgage. 

Is it better to rent than buy right now? 

It depends, especially when we're dealing with an unpredictable period of high inflation. 

On one hand, if you buy a house and secure a fixed-rate mortgage, that means that no matter how much prices or interest rates go up, your fixed payment will stay the same every month. That's an advantage over renting since there's a good chance your landlord will raise your rent to counter inflationary pressures. Right now, rents are rising faster than wages, and if homebuyers are priced out of the housing market, there'll be more pressure to rent, which will increase competition. Many are already experiencing a red-hot rental market, leading to rental bidding wars and evictions. 

On the other hand, even though a fixed-rate mortgage can offer you more predictability and budget stability, "as long as inflation continues to outpace wages, there could be benefits to renting right now as the economy worsens," said Torabi. 

For example, one advantage of renting over buying is that you can save the cash you would have otherwise needed to use for a down payment. In a time of economic uncertainty, if you don't have to worry about coming up with a down payment and emptying most of your entire bank account to secure yourself a home, you can stay more liquid. Having more cash on hand can offer you added security if a recession negatively impacts your financial situation.

"It's important to know the differences in cost of owning a home versus the cost of renting," said Robert Heck, vice president of mortgages at Morty, an online mortgage marketplace. "How much is homeowners insurance going to cost? How much are the annual property taxes? Maybe you're not used to paying property taxes if you've been renting. Consider the costs that will go into maintaining a home."

Ultimately, whether you rent or buy often comes down to practical considerations like whether you need more space to start a family, or your lease is ending -- regardless of market conditions.

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