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Economic Exercise: Regions Teaches Financial Fitness For A Better-Feeling Future

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Economic Exercise: Regions Teaches Financial Fitness For A Better-Feeling Future

(MENAFN- 3BL) By Nestor Mato | April 25, 2024

Interactive and engaging. Regions bank Shared the Good this April by helping students across the Gulf Coast.

Regions Next Step ® is the bank’s free financial wellness program, and during Financial Literacy Month, Regions associates used the Next Step Reality Check series to give students an interactive and engaging way to learn about building and balancing a budget. The Reality Check challenges students to make financial decisions during the course and complete the experience with a budget surplus. During the Reality Check, students are assigned a persona and then make decisions based on common scenarios that will directly impact their budgets.

Finance Park – Tampa/St. Petersburg, Florida

Regions associates volunteered with middle school students from both Academy Prep Center of Tampa and Academy Prep Center of St. Petersburg to teach banking basics at Junior Achievement’s Financial Park.

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Leading up to the Finance Park, Regions volunteers provided a series of lessons in the classroom, where they focused on personal finance, including learning about balancing a family budget, interest rates, how education affects earning potential, and how saving today pays off tomorrow.

“These presentations are a fun and interactive way to help students gain the knowledge and skills they need to make informed financial decisions,” said Tricia Johnson, market executive for Regions Bank in St. Petersburg-Clearwater.“We are happy to serve a role in helping these young people learn more about banking so they can set themselves up for a more secure future.”

During the event, Regions associates partnered with students to assume randomly assigned family and income scenarios. They utilize banking services, purchase housing, transportation, insurance, and other expenses, as well as make investment decisions.

“It is the unfortunate reality that many young people are not taught about managing their finances before adulthood. This has afforded students the opportunity to consider how their future career choices may impact their financial mobility,” said Jenna Dufficy, Assistant Head of School and Academic Dean of Academy Prep Center of Tampa.“Community partners like Regions Bank are transformative, helping our students fulfill the school’s mission of becoming future community leaders.”

Family Game Night – Dothan, Alabama

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Children as young as 10 and their families were invited to a dinner and game night that included a Reality Check experience. Crimson Ridge Apartment residents were treated to pizza, sponsored by Regions Bank, as they learned about building and balancing a budget.

“These financial education events are designed to empower people with the knowledge and skills they need to make informed decisions including in saving, investing, and debt management,” said John Brown, market executive for Regions Bank in Dothan.“This partnership has the ability to teach skills that can last a lifetime and help lead to greater financial stability and success.”

In addition to Financial Literacy Month, April is also Fair Housing Month. Crimson Ridge is an affordable housing community of Dothan Housing and houses over 100 families. Participants also received giveaways and prizes from both Regions and Dothan Housing.

“There was excitement in the air as the Regions team brought the Next Step Financial Literacy Program to Crimson Ridge Apartments to impart valuable financial management lessons to our families,” said Samuel P. Crawford, CEO of Dothan Housing.“Community partnerships and initiatives like this unite the community and inspire positive change intergenerationally.”

Financial Fitness for Teens – Baton Rouge, Louisiana

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Physical education is important. Regions joined the Boys & Girls Clubs of Metro Louisiana to make it clear financial fitness is, too.

In collaboration with the Boys & Girls Clubs Louisiana Alliance 2024 Teen Summit, Regions volunteers taught 90 teens from around the state about the fundamentals of money management and financial responsibility.

“We wanted to help make sure young people know it is about more than making money; it’s about appreciating the value of money,” said Regions’ Baton Rouge market executive, Amy Province.“It is especially helpful for these students who will soon step out into the world. Between bills, groceries, and other expenses, this exercise really does help them understand the importance of budgets and balances.”

Regions associates also took part in a“Career Pathways” class to help give students the knowledge needed to navigate their professional journeys. A career in banking can take several forms, they shared, from roles at the branch around the corner to positions in Commercial Banking, the Mortgage division, Human Resources, Information Technology, and Marketing.

“Helping our Club members have these discussions fuels our mission, which is to enable all young people, especially those who need us most, become productive, caring, responsible citizens,” said the CEO of Boys & Girls Clubs of Metro Louisiana, Angel Nelson.“With the support of community partners like Regions, we’re able to expand our financial education programming and provide valuable resources. In turn, Regions is helping our young people approach their finances with confidence and knowledge.”

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Reality Check – Shreveport, Louisiana

Regions Bank teamed up with Volunteers of America of North Louisiana for three Regions Next Step Reality Check events in Shreveport. The LightHouse Teen Club at Highland Center, as well as the afterschool programs at Booker T. Washington High School and Broadmoor STEM Academy , all took part.

“These children are the future of our community, and it is essential they have the knowledge to be successful,” said Regions’ Shreveport market executive, Denny Moton.“It is especially helpful for the older students as they prepare for life after graduation. This exercise really does help them understand money management as they step into the real world.”

In total, volunteers taught 50 students about avoiding financial pitfalls and understanding how to manage income and debt.

“It is essential for our LightHouse kids to learn about personal finance because this portion of the curriculum is often missing in class. A lot of our older kids have jobs, and this activity allowed them to experience a scenario where they would have to provide for a family, prepare for daily life occurrences, and be an adult with limited income,” said Victoria Morris, Volunteers of America Director for LightHouse Programs.“To see them contemplate and make the best decisions was refreshing. They learned to work with what they had, compromise, go without, and even negotiate.”

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And with what students learned at all these events, they’re better prepared to build up savings, keep debt in check – and achieve financial confidence and success over time.

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Fitness

The best time to exercise, according to science

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The best time to exercise, according to science

Do you drag yourself out of bed to exercise before work, or go to the gym on your way home? Does a lunchtime walk rev you up for the afternoon, or is it yoga you rely on in the evening to relax? We all know exercise is good for us, but increasing evidence suggests when we exercise can also have an impact our mood, fitness and health.

On Tuesday, a study published in the journal BMC Medicine that tracked the activity of 86,252 people aged 42 to 79, revealed participants who had two daily peaks of activity at 8am and 6pm were associated with an 11 per cent reduced risk of bowel cancer, compared to those who were active at other times of the day.

Lead investigator Professor Dr Michael Leitzmann, of the University of Regensburg, Germany, said the findings could “open new avenues for targeted prevention strategies.” The reason for the reduced risk isn’t clear, but begs the question: could we benefit psychologically or physically by adapting the timing of our exercise routine? And if so, how?

Aerobic exercise in the early morning

Working up a sweat first thing serves several purposes, if you can face it. Not only is it often the most practical way to get a workout out of the way before being waylaid, but neuroscientist Andrew Huberman says it will also help us feel more alert by raising our body temperature, which is lowest in the morning.

Personal trainer Kate Rowe-Ham, author of Owning Your Menopause, says lifting weights on waking four times a week, makes her “more energised and motivated for the rest of the day.” She points out that resistance training is proven to balance blood sugar and, long term, lower levels of the stress hormone cortisol. “It leaves me less stressed.”

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Exercising early can also be more efficient for controlling weight – research in the journal Medicine & Science in Sports & Exercise found 45 minutes of vigorous aerobic exercise can elevate the metabolic rate for 14 hours, meaning you’re burning more calories during the hours you consume them, as opposed to overnight, while another study on 35 women in the same journal found when participants exercised in the morning they were more likely to increase their activity throughout the day.

“Research suggests there may be a slight advantage to doing aerobic exercise earlier in the day because it enhances bloodflow and oxygen to the brain which can improve your productivity,” adds Arj Thiruchelvam, sports scientist and coach at Performance Physique. In terms of boosting feelings of wellbeing, he says resistance training and aerobic exercise are likely to be equally beneficial, “because both trigger the release of endorphins, which is the most important factor in improving mood.”

Post-breakfast for longer workouts

While studies have found exercising on an empty stomach, whatever the time of day, can increase fat burning by as much as 70 per cent, this need not be prescriptive. “I have to eat a protein breakfast – usually scrambled eggs – up to half an hour before because my workouts are long and I don’t want to run out of energy,” says personal trainer Cornel Chin, who does a two-hour weights session at 11am every Saturday. “This fits into my lifestyle. During the week I speedwalk and do bursts of bodyweight exercises in between coaching clients.”

Lunchtime walk in the park

A lunchtime session, meanwhile, can help you cope with the demands of work, especially if done outdoors during our ever-dwindling daylight hours. A two week 2017 Finnish study found a 15-minute walk in the park helped participants more than indoor relaxation exercises, making them feel more relaxed and detached from their work, whereas the “relaxation group experienced only an increase in their feelings of relaxation,” said Kalevi Korpela, professor of psychology at Finland’s Tampere University.

Amanda Daley, health psychologist at Loughborough University, says “exercising at lunch time can help clear your head after a morning of work or other activities (and) boost your mood and brain power in the afternoons.”

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Resistance training in the afternoon

It may also carry advantages for our physical health. Last year, a major study in the journal Nature Communications found that while moderate to vigorous physical activity at any time of day is linked to lower risk of cancer and cardiovascular disease, those who exercised between 11am and 5pm had a lower risk of premature death from all causes than those who exercised in the morning or evening.

The reports’ authors speculated that this may be because blood pressure recovers faster in the afternoon, or because of implications for meal timings – a walk after a meal, for example, has been found to control blood sugar levels – but admitted “the underlying mechanisms remain to be elucidated”.

What we do know is that our body temperature peaks in the afternoon, “and being slightly warmer makes muscle fibres react quicker, which can improve our performance,” says Thiruchelvam. “This is why athletes may want to train then because they’ll be slightly more powerful. Studies show resistance training can be more effective in the afternoon.”

HIIT in the evening for some…

Reaction times are also often quickest at this point, potentially improving performance in competitive sports and stop-start exercise such as High Intensity Interval Training. Indeed, research by the American Academy of Sleep Medicine found American football players usually played better in games starting at 8 or 9pm than they did in games starting at 1 to 4pm.

This was due to them being at the peak of their circadian rhythm – the 24-hour internal clock. Yet the time of day you’re happiest exercising will depend in part on your chronotype, or your natural propensity to fall asleep at certain times, and if you’re an early bird who wakes at 5am, for example, evening exercise is still likely to feel a challenge.

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…but less is best for most in the PM

The most recent research overturns the long-held belief that evening exercise can interfere with sleep, however – and found it may even help us nod off quicker. This summer, a study of 30 participants found those who did three-minute bursts of body weight exercises such as squats and calf raises every 30 minutes over a four-hour period starting between 5pm and 5.30pm slept for an average of 27 minutes longer than the sedentary control group.

The exception appears to be doing high-intensity exercise training, which releases the stress hormone cortisol, and is thought to reduce sleep quality when done close to bedtime. Yet any impact is likely to be minimal, says Thiruchelvam, “and it’s still better for you than scrolling on your phone.” He stresses, however, that exercising when tired is more likely to result in injury: “Mental and physical fatigue is when slip-ups occur.” 

Yoga or stretching before bed

If cardio sounds too strenuous, consider evening stretching – one four-month study on patients with chronic insomnia found stretching three times a week from 5pm to 6pm improved symptoms. A 2019 meta-analysis, meanwhile, found mind-body therapies including yoga and tai chi can be “effective in treating insomnia and improving sleep quality.”

Yoga has been shown to increase levels of melatonin, the hormone that regulates the sleep cycle, and is “a great addition to a bedtime routine,” says Rowe-Ham, although research isn’t clear as to whether it needs to be practised in the evening to be of benefit.

What’s “vital,” stresses Thiruchelvam, is that we exercise, full stop, and no study should “put people off exercising at their only opportunity.” Rowe-Ham concurs: “I don’t want people to think they’re at greater risk of cancer because they can’t exercise at certain times, or that there’s no point. Movement is beneficial, whatever the hour.”

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An Extra 5 Minutes of Exercise Per Day May Lower Blood Pressure, New Study Suggests

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An Extra 5 Minutes of Exercise Per Day May Lower Blood Pressure, New Study Suggests
There’s no question everyone’s days are jam-packed. With jobs, family responsibilities, social obligations, and more, getting some movement in is often put on the back burner. But a new study published in Circulation suggests that just five extra minutes of exercise each day can help lower blood pressure.

Yep, you read that right: This simple yet powerful change could make a big difference in your heart health. While five minutes may not sound like a lot, the research shows even small increases in daily physical activity add up to meaningful health benefits over time.

A closer look at the study

Researchers collected health data from over 14,000 volunteers who wore movement trackers throughout the day and then had their blood pressure measured. The average day of the participants consisted of about seven hours of sleep, 10 hours of sedentary activity (like sitting), three hours of standing, one hour of slow-paced walking, one hour of fast-paced walking, and 16 minutes of physical activity (like running or cycling).

Using the above data the researchers gathered, they modeled what would happen if a person swapped certain behaviors for others each day in order to estimate the effect it would have on their blood pressure. The results? Replacing any less active behavior with five minutes of exercise per day—like stair climbing, cycling, or running—could lower systolic (the top number in a blood pressure reading) and diastolic blood pressure (the bottom number) and reduce cardiovascular disease risk by 10 percent.

Adding five extra minutes is a doable goal for most people, even with a busy schedule.

The bottom line

The study highlights how blood pressure responds to physical activity in a very positive way. According to Harvard Health, every time we exercise, our blood vessels dilate, which makes it easier for blood to flow and reduces strain on the arteries. Over time, even small, consistent boosts in activity help to improve circulation, make your heart pump more efficiently, and ultimately lower blood pressure. These changes can reduce risks associated with high blood pressure, like heart attacks and strokes.

One of the most exciting parts about this finding is that adding five extra minutes is a doable goal for most people, even with a busy schedule. Imagine just taking a brisk five-minute walk, doing some bodyweight exercises, or even stretching a bit more each day. By adding these small, manageable increments to your routine, you’re improving your heart health without needing any major lifestyle changes.

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“The good news is that whatever your physical ability, it doesn’t take long to have a positive effect on blood pressure,” said Jo Blodgett, PhD, lead study author and senior research fellow at the University College London’s Institute of Sport, Exercise, and Health, in a press release. “What’s unique about our exercise variable is that it includes all exercise-like activities, from climbing the stairs to a short cycling errand, many of which can be integrated into daily routines.”

According to the study, these five extra minutes are especially impactful for people who already have slightly elevated blood pressure, often called prehypertension. By adding a little more physical activity in each day, people in this range could potentially avoid needing medications or further interventions.

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Exercising at either of these 2 times of the day reduces your colorectal cancer risk, study finds

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Exercising at either of these 2 times of the day reduces your colorectal cancer risk, study finds

Experts have long debated the best time to exercise, but now, researchers have identified two sweet spot sweat intervals that could play a “crucial role” in cancer prevention.

According to a revelatory new study, being active first thing in the morning or later in the evening may reduce the risk of bowel cancer by 11% — and they’ve even narrowed it down to two times on the clock.

Researchers published their findings in the journal BMC Medicine and maintain that highlighting specific times when physical activity is “most beneficial” could lead to targeted cancer prevention strategies.

Researchers have determined that those who exercise in the morning and evening have a lower chance of developing bowel cancer. Maksym Azovtsev – stock.adobe.com
Colorectal cancer is the leading cause of cancer-related deaths worldwide. New Africa – stock.adobe.com

Led by experts from Germany’s University of Regensburg, the study assessed 86,252 people aged 42 to 79 whose physical activity was tracked and measured using a wrist accelerometer.

Researchers highlighted four activity patterns among this population: continuous activity throughout the day, activity late in the day, activity in the morning and evening, and activity at midday and at night.

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Over a five-year follow-up period, 529 cases of colorectal cancer, also called bowel cancer, were reported.

Researchers determined that two daily peaks, at roughly 8 a.m. and 6 p.m., “were associated with reduced colorectal cancer risk, beyond the benefits of overall physical activity.”

According to the study, people active in both the early and late parts of the day had an 11% lower risk of colorectal cancer, compared with 6% for daylong activity and no change for those who exercised in the middle of the day and the evening. Data from those who were only active later in the day proved inconclusive.

Professor Dr. Michael Leitzmann, chair of the Department of Epidemiology and Preventive Medicine at Regensburg, was the lead investigator for the study.

“Our study highlights that not only is physical activity important for reducing colorectal cancer risk, but the timing of peak activity throughout the day could play a crucial role,” he said.

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He and his team are hopeful their findings can help shape the future of cancer prevention.

“By identifying specific times — early morning and late day – when physical activity is most beneficial, our findings open new avenues for targeted prevention strategies,” he said.

Bowel cancer an develop anywhere in the large bowel, which includes the colon and rectum.

About 150,000 Americans are diagnosed annually with colorectal cancer, which includes cancers of the colon and rectum, according to the Colorectal Cancer Alliance. It’s a leading cause of cancer-related deaths worldwide.

Colorectal cancer has long been associated with older adults, especially people over 65. However, rates have steadily risen among adults under 50 since the ’90s.

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Exercising at different times of the day can affect the body in different ways. oneinchpunch – stock.adobe.com

Among these younger adults is 47-year-old actor and “Dawson’s Creek” alumni James Van Der Beek, who revealed his colorectal cancer diagnosis last week.

Exercising at different times of the day can affect the body in different ways, as nearly all cells and biological processes in the body rely on circadian rhythms — the natural bodily clock that runs close to a 24-hour cycle.

A separate study found that exercising in the morning on an empty stomach can boost your metabolic rate and help you burn more calories during your workout.

Meanwhile, researchers at the University of Sydney, Australia, found that people who exercise at night have a lower risk of developing heart disease and dying than those who exercise in the morning.

Dr. Helen Croker, assistant director of research and policy at the World Cancer Research Fund, which funded the latest study, said the findings further cement the importance of exercise in cancer prevention.

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Experts say you don’t have to be a gym rat to avoid a cancer diagnosis. torwaiphoto – stock.adobe.com

“Being physically active is one of our cancer prevention recommendations, and we know this cuts cancer risk,” she said. “These intriguing new findings offer potential for developing more specific recommendations, including patterns and timing of physical activity, for reducing cancer risk.”

And experts say you don’t have to be a gym rat to avoid a cancer diagnosis.

According to a recent study, just four to five minutes of “vigorous physical activity” can significantly reduce cancer risk in sedentary folks.

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