Sabtu, 31 Juli 2021
Scotty Miller ‘can’t be a one-trick pony,’ Bruce Arians says - Tampa Bay Times
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TAMPA — Scotty Miller made some enormous catches last season, none bigger than the 39-yard touchdown before the end of the first half in the NFC Championship Game at Green Bay in January.
Miller finished with 501 yards receiving and three touchdowns during the regular season and was the biggest deep threat for quarterback Tom Brady.
Coach Bruce Arians knows Miller can run past a defense, but he says Miller needs to learn how to make the tough catch in traffic, too.
During a two-minute team drill Saturday, Miller failed to come up with a tight pass from Brady in the end zone.
“He’s got to get better with bodies on him,” Arians said. ”That last play, he’s got to make that catch. It’s going to be grimy. He’s got to make more grimy catches. We know he can run by people, but you can’t be a one-trick pony in this league. You’ve got to be able to play with big bodies on you. He’s getting better.”
Tyler Johnson needs to get in shape
It’s a crowded receiver room for the Bucs this season, and Tyler Johnson made some big plays as a rookie despite not having any preseason games last season. A hamstring injury also sidelined him early in the year.
Johnson caught the ball well in practice Saturday, but Arians says the second-year pro from Minnesota did not report to training camp in very good shape.
“He came back a little heavy and he’s getting back in shape, which is his own fault,” Arians said. “But we know he can catch the ball. He’s just got to be able to stay healthy and get in real good shape.”
• • •
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An Incredibly Simple Trick Can Help Make Your Phone More Secure - Forbes
Our online world is rife with threats, and not everyone is an expert in cyber security. Protecting yourself from those threats doesn’t always require expertise, however. In fact there’s one ridiculously simple trick that anyone can use to keep their phone more secure.
Ready? Here it is. Turn your phone off and then turn it back on.
Yes, that’s it — and it really is an effective security measure, despite the fact that the whole “turn off and on again” thing has become a technological trope.
This incredibly simple tip was shared recently at a security briefing provided to members of the U.S. Senate. There’s a very good reason members of Congress were being advised to make a habit of regularly powering down their phones.
It’s all down to the way cyber threats have evolved in recent years.
In the past, cyber attackers were focused on achieving persistence — that is making sure that an infected device stayed infected and under the attacker’s control. As malicious hackers increasingly turned their attention to smartphones, however, they discovered that persistence wasn’t necessarily required.
That’s because most smartphone users rarely power them down. We’ve become accustomed to treating charge in our phones’ batteries like fuel in the tank of our vehicles. Is your phone about to run out of juice? Quick! Plug it in to a wall charger or a portable battery pack before it does dead!
Hackers know this is how we treat our phones, so they’ve shifted to delivering mobile malware that runs in a phone’s memory. There’s simply no real incentive to write malicious code that can survive a reboot when no one is rebooting their phone anyway.
Turning your phone off and on may not be enough to thwart the likes of Israel’s secretive NSO Group or sophisticated state-sponsored hackers.
But since the process requires zero technical ability, only takes a minute or two and has the ability to expel common threats from your phone’s memory banks... why not make regular phone restarts a part of your security regimen?
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The Secret Coffee Trick For a Flat Belly, Says Expert | Eat This Not That - Eat This, Not That
There aren't many secrets left about coffee. America runs on it, it's best consumed black, and it's a natural diuretic—but you've heard all this.
Despite what has become generally common knowledge, there are still a few lingering discoveries to be made about everyone's favorite mid-morning ritual. Perhaps most pertinent, as summer is very much upon us, is how to hack your cup of java for an especially flat stomach.
First, a caveat: coffee alone will rev up your metabolism, which can result in weight loss and a thinner midsection. While your brain enjoys a kick of caffeine, your body is enjoying faster-functioning systems. Ultimately, that could translate to a lower number on the scale—that is, if you're sticking to plain black coffee.
As nutritionist and author of The Candida Diet Lisa Richards warned, "some coffee beverages can add calories and fat to our diet without our notice." She also adds that because sugary, flavored coffee can be hard to give up once it becomes a habit, it's better to stick to black coffee from the get-go.
But how, then, does a person trick out their plain black cup of joe to make it even more effective in the quest for a flat stomach? Richards clued us in, and the answer might surprise you: cinnamon.
"Cinnamon boosts thermogenesis in the body," she explained, referencing the process of creating heat in the human body, "Which in turn results in more calories burned."
An easy, all-natural ingredient, cinnamon in coffee is an organic alternative to thermogenesis supplements, according to a study published by the journal Metabolism. Instead of ingesting complex and artificial pills, simply sprinkle cinnamon into your java and reap the same weight-loss gains.
Cinnamon has been called a medical powerhouse for reasons that span far beyond flat stomachs, so you could enjoy a whole host of other positive side-effects from adding a spoonful to your coffee. The spice showed a promising correlation with blood sugar control in early studies, and its antioxidant properties are also being investigated in relation to dementia, HIV, and even cancer.
Plus, as Richards points out, cinnamon simply tastes good. While it may conjure memories of autumn or holiday gatherings, she says, "adding cinnamon to your coffee doesn't have to be a seasonal tradition and the benefits may have you making it a common occurrence…by making a few changes to our coffee we can not only avoid weight gain but help to boost weight loss."
Get even more healthy tips straight to your inbox by signing up for our newsletter! After, read these next:
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Rafa Mir's substitute hat trick leads Spain's extra time win - NBC Olympics
Cote d'Ivoire appeared to have eliminated pre-Olympics favorite Spain at the quarterfinal stage of the men's soccer tournament, but the African nation made a baffling error in stoppage time to give the Spaniards life.
Wolves forward Rafa Mir swept in a late failed Cote d'Ivoire clearance moments after Les Elephants captain Gradel snuck a deflected shot past Unai Simon as the match leapt to life in the final minutes to reach extra time.
It was the second equalizer for Spain, who canceled out Bailly's early goal when Dani Olmo scored at the half-hour mark.
Extra time smiled upon Spain when Video Assistant Referee caught a handball on Bailly and a penalty was awarded to the favorites. Mir would add his second just before the final whistle, assisted by Olmo.
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Jumat, 30 Juli 2021
Telehealth Tips for Practitioners and Consumers - RCPA
The Center of Excellence for Protected Health Information (COE PHI) and SAMHSA have created one-page resources to assist practitioners and consumers on guidance for telehealth visits and encounters. The tips provide an overview of best practices for appointments to assist in creating a safe environment for treatment.
COE PHI: Tips for Telehealth Privacy
SAMHSA: How to Prepare for a Video Appointment
Please feel free to share these resources with your staff and stakeholders. If you have any questions, please contact RCPA Policy Director Jim Sharp.
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Casper Ruud Eyes Clay-Court Hat-Trick, Faces Pedro Martinez In Kitzbühel Final - ATP Tour
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When Is the Best Time to Go Trick or Treating? - BH&G
this link is to an external site that may or may not meet accessibility guidelines.
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This Shrimp Recipe Will Bring You Joy - The New York Times
Millie Peartree’s sheet-pan shrimp boil is as festive as it is delicious.
I was inspired by something I saw on Twitter this week (I know, strange): The podcast host and author Linda Holmes wrote that, after a pandemic stretch of ordering in and PB&Js, she wanted to reset her relationship with her kitchen. She issued herself a cooking challenge, choosing eight New York Times Cooking recipes and making them over the course of one week. (Among the recipes: this arugula salad with peaches and goat cheese; these chile-oil noodles; and our ginger-lime chicken.)
This made me realize that I, too, need a reboot. My situation is different, in that I have been cooking through this whole entire very long pandemic. But I used to actually love to cook and bake: Disappearing into the kitchen was just about my favorite thing to do. At the moment, I am a little meh on the whole thing.
I want to love again. I picked the five recipes below because I’m excited about them and think they may help get me back on the path. Tell me how you’re doing and what you’re making and whether you also need a little reset: dearemily@nytimes.com.
1. Sheet-Pan Shrimp Boil
A true shrimp boil is an event for a crowd, with a giant pot of bubbling water at its center. Millie Peartree smartly takes a few essential elements — shrimp, corn and potatoes — and cooks them on a sheet pan for a smaller meal that is still joyous, even if it’s just for four.
2. Grilled Za’atar Chicken With Garlic Yogurt and Cilantro
We finally own a grill, and yet we mostly use it on the weekend for burgers and sausage, with one foray into tofu. This is not the robust grilling life I’d imagined for myself. I want to use my grill more, and Melissa Clark’s garlicky, herby, yogurt-sauced chicken is an obvious place to start. You can use the broiler if you don’t have a grill.
3. Cumin Tofu Stir-Fry
This dish from Hetty McKinnon’s new cookbook, “To Asia, With Love,” pulled me out of a cooking rut this spring. I was looking for good tofu recipes, and this one delivers: a delicious vegan riff on the cumin lamb served at the rightly beloved Xi’an Famous Foods restaurants in New York.
4. Skirt Steak Bulgogi
Bulgogi means “fire meat” in Korean, and Eric Kim has given us this mouthwatering version: slightly charred skirt steak, flavored with that sweet-and-savory marinade of soy sauce, garlic, ginger and sugar. (Eric adds Asian pear and maple syrup, too.)
5. Orecchiette With Corn, Jalapeño, Feta and Basil
The other day, I told my 3-year-old that, to me, sweet corn is the quintessential taste of summer, something you can know only in its fullest glory this time of year. (I don’t think she cared, but she does love corn.) Even when I’m really truly over cooking, I can muster the energy to shuck a few cobs for dinner. This recipe by Colu Henry is a favorite.
Thanks for reading. If you like the work we do at New York Times Cooking, please subscribe! (Or give a subscription as a gift!) You can follow us on Instagram, Facebook and Pinterest, and follow me on Instagram, too. I’m dearemily@nytimes.com, and previous newsletters are archived here. Reach out to my colleagues at cookingcare@nytimes.com if you have technical issues or questions about your account.
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The 10 Most Popular Recipes of July 2021 - Bon Appetit
The data geniuses behind our most popular recipes of the month served up this July truth: We’ve all spent the last 30-ish days cooking outside. The nights were long, our grills were hot, and the zesty lamb burgers and finger-lickin’ hot honey wings were all the more delicious alfresco. Looking beyond the savories and grill faves, it seems we spoiled ourselves with a whole bunch of decadent desserts too. The summer heat couldn’t stop us from whipping up gooey blackberry slab pies, ruffled raspberry-studded milk pies, or pillowy cardamom cream-filled doughnuts. As we zoom into August, we’ll be keeping the #BigSummerEnergy (and this truly perfect Vietnamese tomato salad). Here are our most popular recipes from July—starting with No. 1.
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7 summer cooking tips to keep your kitchen cool - The Washington Post
Heading outside and firing up the grill is one way to escape the kitchen, but that requires you to stand in front of a live fire, which doesn’t really help with the heat.
For those looking to stay cool during the hottest time of the year, here are seven tips on how to feed yourself and your family without breaking (too much of) a sweat.
Outsource part of the meal. While there is a time and place to bake bread from scratch or make your own gnocchi, summer doesn’t have to be it. Go the Sandra Lee, semi-homemade route and let someone else do at least some of the cooking for you. Pick up a rotisserie chicken or a bucket of fried chicken to go with a simple side dish for a complete meal, or grab something already in your freezer when you don’t feel like braving the outdoors. And on nights when you really want to take it easy, there’s always takeout or delivery.
Make low- and no-cook dishes. Limiting the use of your stove is one easy way to keep your kitchen cool. Gazpacho is likely one of the first dishes to come to mind — it’s a great option, but I can only do so much cold soup. You can also make no-cook meals out of ceviche, hearty salads and dips such as le grand aioli or hummus. If you’re willing to heat water, you can branch out to dishes featuring rice noodles (which only need a soak in warm water to soften) or instant couscous (which comes to life after being covered with boiling water, allowed to soften for a few minutes and then fluffed with a fork).
Prep your ingredients. Every seasoned cook knows the concept of mise en place, which means gathering everything you need for a recipe at the beginning. However, knowing and doing are not always one in the same, as I tend to prep and cook simultaneously when working on a recipe. The benefit of having all of the ingredients measured, diced and sliced as needed before any of the actual cooking starts is that it allows you to spend less time with the stove on, heating your kitchen while you pause the recipe to search for a can of coconut milk or peel and dice a potato.
Embrace the toaster oven (and other small appliances). I tend to avoid turning on my oven during the summer so I don’t melt like the Wicked Witch or get an astronomical electricity bill for running the air conditioner constantly to cool off my apartment. However, you can get the same (or at least very similar) results using countertop appliances, including toaster ovens, microwaves and, of course, multicookers (a.k.a. Instant Pots). As an added bonus, these appliances use less energy than your regular oven, making them more eco-friendly.
Shift your schedule. Occasionally, timing is everything. Try shifting your cooking duties to early in the morning or late at night when it’s cooler outside, then just reheat your food or have it straight from the fridge when mealtime comes. (Related: Keeping the kitchen curtains closed helps to block some of the sun and its heat.)
Make extra … When you do decide to cook, make enough to eat for at least one or two more meals. Doubling the yield of a recipe doesn’t necessarily require doubling the effort, meaning that each portion takes less energy overall for larger batches. And if you’re worried about eating the same leftovers over and over, stash some of them in the freezer to eat a couple weeks later, and the dish will feel like new again.
… but don’t be extra. Summer is meant for relaxation, so take heed of the U.S. Navy design principle KISS, which stands for “keep it simple, stupid,” because sometimes simple is best. Especially during this time of year when the produce is as beautiful as it is, you don’t need to do much to make it shine. Just pick out a ripe heirloom tomato and you’re well on your way to a glorious tomato sandwich. And should you not have access to much fresh produce, there’s always pantry recipes to turn to that can come together in 20 minutes, such as jackfruit tacos or spicy peanut noodles.
How do you beat the heat while cooking in the summer? Let us know in the comments.
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One Incredible Trick for Burning More Fat While Walking, Says Study | Eat This Not That - Eat This, Not That
In case you haven't heard, walking more every day is an excellent way to stay active, burn plenty of calories, and ultimately lead a healthier, longer, and more fruitful life. But, like all forms of fitness—whether you're lifting weights, performing HIIT, or doing long-distance forms of cardio—there are always little tricks you can use to make it even more effective.
According to a new study conducted by researchers at Tokyo's Waseda University, and published in the Journal of Physical Therapy Science, there's one totally surprising way to increase your calorie burn while walking—and no, it's not a no-brainer such as "walk faster" or "stop and do some squats along the way." (Which, to be clear, are both great.)
Curious to know how to get even more out of your daily strolls? Read on for what the scientists discovered, which may actually blow your mind. And if you love nothing more than to walk, make sure you're aware of The Secret Cult Walking Shoe That Walkers Everywhere Are Totally Obsessed With.
Fact: One of the great functions of intense exercise is that you're pushing your heart rate above its usual resting rate for a prolonged period of time. When the heart beat elevates during exercise, more oxygen and blood is pumped to our muscles, and the heart itself is essentially treated to its own mini "workout," consequently improving overall cardiovascular health. Now, normally one has to jog—or, at least walk at a brisk pace—to get their heart rate jumping.
The new study says that there's yet another option.
Incredibly, the study authors report that simply chewing some gum while going for a walk is enough to both elevate heart rate and increase energy expenditure (calories burned). While this actually isn't the first research project to find that chewing gum can increase heart rate while at rest, it is the first to investigate its impact while out for a walk.
A total of 46 men and women with a wide variety of ages (21-69 years old) took part in this study. Every single participant showed a significantly higher average heart rate while walking with gum in comparison to walking without gum, as well as a greater difference between resting and active heart rate. A faster heart rate means more fat burned.
Moreover, a portion of participants also saw their walking speed, distance traveled, and step count increase while chewing gum in comparison to when they walked without some gum. "Combining exercise and gum chewing may be an effective way to manage weight," study authors comment. For more on the benefits of walking, don't miss the Incredible Things That Happen When You Walk More, Says Science.
The findings indicate that chewing gum while walking is beneficial for anyone at any age, but researchers note that older male participants in the study enjoyed the biggest health perks after adding some gum to their daily routine.
When participants were separated by gender and age, researchers discovered that men specifically enjoyed extra benefits: Big upticks in distance walked and average walking speed in comparison to without gum. Additionally, both male and female middle-aged and older subjects (ages 40 and up) showed an even higher average heart rate while walking and chewing gum in comparison to younger participants. So, in light of both of those findings, study authors conclude that chewing gum while walking appears to offer the most benefits to older men.
"Chewing gum while walking affects a number of physical and physiological functions in men and women of all ages. Our study also indicates that gum chewing while walking increased the walking distance and energy expenditure of middle-aged and elderly male participants in particular," researchers explain. And for more great walking tips, don't miss The One Type of Walking You're Not Doing Enough Of, Says Science.
In the study, each participant was asked to go for a 15-minute walk after a one-hour rest period on two distinct occasions. First, participants went for a walk at their natural pace after being given two pieces of gum to chew (containing three calories each). Then, everyone went for the same walk (15 mins, preceded by an hour of rest) after being given a powder to swallow containing the same ingredients as the gum used in part one. The second walk after ingesting powder served as the control trial. As participants walked across both trials, study authors kept close track of heart rate, distance covered, walking speed, step count, and energy expenditure.
This study was never intended to answer the question of why chewing gum adds so much more to a leisurely stroll. That being said, study authors speculate that this attractive benefit is likely connected to cardio-locomotor synchronization, which refers to the heart's tendency to beat in pattern with other repetitive movements. In this case, the repetitive action is chewing gum. And if losing weight is your goal, don't miss The Secret to Walking Your Way to a Lean Body, Say Experts.
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Eat like an Olympian: 4 hydrating and energy-boosting recipes - TODAY
Interrupting your Olympic programming to bring you all the deets on superfoods for super athletes. I’m serving up hydration tips, recovery shakes, energy-boosting snacks and an irresistible dessert fit for a champion. On your mark, get set, munch!
Courtesy Joy Bauer
Trail mix is a great option for breakfast on-the-run or a grab-and-go snack. Plus, it’s customizable: You can make it your own with so many varieties of nuts, seeds, cereals, dried fruit, popcorn and so much more (yes, even chocolate chips!). There’s no need to refrigerate and it’s totally totable and filled with healthy fats, fiber and protein. I recommend making a big batch ahead of time so you’re always prepared for a snack attack.
Being adequately hydrated is essential for exercise performance. That being said, it’s not always easy to gulp down the amount of water your body requires. This Cucumber-Kiwi Spa Water seriously hits the spot. The recipe calls for cucumber, kiwi and lime, three tasty produce picks that are rich in water and immune-supporting vitamin C. It’s a simple and sparkling beverage that makes it easy to seamlessly sip.
Get the recipe here.
This is a game-changing shake! After a workout, your body craves a combo of high-quality carbs and protein to help replenish glycogen stores and build and repair muscle tissue. This smoothie covers it all. As an added bonus, it showers your body with nutrients that have been shown to benefit your health and enhance athletic performance.
Get the recipe here.
I love transforming fresh fruit into decadent desserts that taste delicious and also fuel high performance. This watermelon treat takes the cake — it’s a fun presentation, simple to prep and loaded with sweet hydration (watermelon is more than 90% water). Pro tip: Squirt whipped cream right before serving so it doesn’t deflate and top with the garnishes of your choosing.
Get the recipe here.
For more tasty recipes, check out Joy's cookbook "Joy Bauer's Superfood!" and follow her on Instagram, Facebook and Twitter.
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Mike Bryant on Fable: The One-Trick Pony - Electronics Weekly
When a fuse was blown by an electric charge it became an insulator.
In this way the chip could be programmed to fit an application.
The company did not adopt new ways to implement programmable logic like SRAM, EPROM, and E2PROM and was sold after 18 years.
Moral: Listen To The Footsteps Coming Up Behind You
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The 10 Best Instagram Recipes From July 2021 - HuffPost
Judging by July’s most-liked recipes on the HuffPost Taste Instagram account (which you should follow!), the summer heat isn’t keeping anyone out of the kitchen. Among the top recipes are a light-as-air fried chicken sandwich, pastas, salads and, of course, pasta salads.
But the recipe that topped the list — and by a large margin of votes at that — is the easiest to make and possibly the dreamiest. Best of all, it’s a pie that requires absolutely no baking ― but you’d never guess it when you taste it.
Scroll through the recipes below to find out what all the fuss is about.
8. S’mores Cake
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Thanks to a gravitational trick, astronomers observed light from behind a black hole - Salon
Stanford astrophysicist Dan Wilkins and his colleagues were studying a supermassive black hole when something caught their attention— a series of bright flares of X-rays. The emission of such high-energy photons from a black hole was intriguing, but not necessarily unprecedented. Yet it was interesting enough for Wilkins to take a closer look.
When he did, Wilkins noticed additional, smaller, flashes of X-rays that were different "colors" than the bright flares. They also appeared to be delayed. This was strange, Wilkins said, as they expected the smaller flashes to be an "echo" of the first flashes.
They set about measuring the color of these X-rays, and the delay between them and the initial X-ray flash.
"We realized that these must be the echo coming from a bit of gas that should be hidden behind the black holes, so the gas on the other side of the black hole to us, " Wilkins said. It was as if they were seeing something on the "far side of the black hole we shouldn't be able to see — because anything that goes into the black hole can't come out," he added. "If something's on the other side of the black hole from us, the light shouldn't be able to get through the black hole towards us."
But black holes do not eclipse light the way a moon or a planet might. Because of their intense mass, light bends and curves around them, like cars driving on a straight street suddenly swerving around a pothole.
It turns out that what Wilkins and his team observed is the black hole warping space, and bending light around itself. (The research is detailed in a paper published July 28 in Nature). Though predicted by Albert Einstein's theory of general relativity, it has never been confirmed on such an extreme scale — in this case, astronomers detecting light [in the X-ray spectrum] being bent from the opposite side of a black hole.
"This means that these echoes of X-rays from the far side of the black hole don't have to travel through the black hole for us to see them," Wilkins said. "They can actually get bent around the black hole, which is why we can see them."
X-rays are typically observed when gas falls into black holes. Yet in those cases, the X-ray emissions are not from the black hole itself (from which light cannot escape) but from matter interactions near the event horizon, where particles can be accelerated to relativistic speeds and, in collisions, spew tremendous amounts of high-energy particles in all different directions. Typically, astronomers only observe these directly — they had never observed them as they were bent from the opposite side of a black hole, the researchers say.
"Fifty years ago, when astrophysicists starting speculating about how the magnetic field might behave close to a black hole, they had no idea that one day we might have the techniques to observe this directly and see Einstein's general theory of relativity in action," said Roger Blandford, a co-author of the paper and a Stanford professor of physics, in a news release.
Want more health and science stories in your inbox? Subscribe to Salon's weekly newsletter The Vulgar Scientist.
Avi Loeb, the former chair of the astronomy department at Harvard University (2011-2020) and founding director of Harvard's Black Hole Initiative, told Salon via email the paper is "interesting," though he questioned whether such an event had been observed previously in 2019.
"It finds that short flashes of light from behind the black hole are bent around the black hole and magnified by the strong gravitational field," Loeb said. "Observing light bent around the black hole confirms a key prediction of general relativity."
Loeb added that this was confirmed previously when the Event Horizon Telescope "obtained an image of the ring of light around the silhouette of the giant black hole in the galaxy M87." That image was famous for being the first direct image of a black hole, and was painstakingly produced after years of study and data analysis.
"That ring was also produced through bending of light by gravity near the black hole," Loeb noted.
Whether or not you are a stickler about the precise definition of "behind a black hole," the new study is historic in that there have been few such observations in astronomy history. Indeed, there is much to learn from a direct observation of black holes bending light, as black holes emit some of the most intense gravitational and electromagnetic fields of anything in the universe.
"By studying this, we can begin to understand how the brightest light sources in our whole universe work," Wilkins said. "But it's also an important piece of the puzzle to learn about how the galaxies formed and how the galaxy that we live in, the universe that we live in, really came into being."
But is there any way this incredible observation could have been a fluke? Wilkins doesn't think so.
"When we analyze the data, we try to rule out every other possibility, so we think about any other theories or any explanations that could mimic the same result," Wilkins said. "This bending of light around the black hole is the only thing we know off in the laws of science as we understand that's able to explain this."
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Investing For Beginners: Financial Tips To Get Started - NPR
Illustration of a person standing in front of a life-sized chart showing different colors in waves and lines representing them balancing their stock portfolio. LA Johnson/NPR
Millions of Americans have started investing during the pandemic. And while the market has started to get a bit wobbly lately, stocks are still near all-time highs. So now is actually a really good time for people new to the world of investing to figure out how to get their ducks in a row and their investments set up in a smart way for whatever the future may bring.
If you're an everyday investor drying to sift through Reddit threads and YouTube tutorials, this is for you. Here are a few common mistakes to avoid and some actionable tips to get you on your own investing path.
Betting on a hot stock isn't worth it.
Despite news headlines on life-changing investments on one stock item like GameStop, it is too risky to make short-term bets with sizable sums of money on what a stock is going to do next. Instead, some of the most respected investors in the world have long said the best way for everyday investors like you and me to make money is to invest in index funds and hold those investments over long periods of time.
Explore Life Kit
This story comes from Life Kit, NPR's family of podcasts to help make life better — covering everything from exercise to raising kids to making friends. For more, sign up for the newsletter and follow @NPRLifeKit on Twitter.
Most index funds offer low fees and will allow you to essentially buy the entire stock market. That way, if any one stock crashes it won't affect your portfolio. And if you really want to bet on individual stocks, the best advice is to do that with a very small part of your portfolio — and only with an amount of money you can afford to lose.
Build a diverse portfolio.
The key to everyday investing is diversification, which means owning different types of investments to spread out the risk. According to investment manager Paula Volent, you definitely want to own stock index funds because stocks over time have always offered the best return. She suggests owning a broad U.S. stock market index fund, a foreign developed markets index fund and an emerging markets index fund.
Volent also says you need investments that can do well when stocks are doing poorly. These include treasury bonds and real estate funds. As far as how to know how much of each of these components is the right mix for you, there are different ways to figure that out. Age-based, or so-called "target-date" index funds put together a mix of many of these components for you with a risk profile based on how many years you are away from retirement.
For more guidance, read David Swensen's Unconventional Success.
Want to learn more? If you're going to read one book, check out economist David Swensen's Unconventional Success. It's the ultimate introduction to everyday investing from a world famous investor who set out to tell the rest of us how to do this right. Jack Bogle's book Common Sense On Mutual Funds is another classic.
Working with a financial adviser? Make sure they're fee-only.
Checking in with a financial adviser is strongly recommended by experienced investors, but make sure you're speaking with a fee-only expert, who isn't receiving commissions for steering you into one investment over another. Once you find someone acting in your best interest, try to meet with them once a year or every two to three years. Find someone you can pay a flat fee for each visit. This will save you money in the long term
Rebalance your investments for stability and to maximize your return on your investments.
There is no need to panic, even in times of big corrections in the market. With a diverse investment portfolio, you actually have an opportunity to make some extra money off of big swings in the markets by selling what has gone up in value and buying more of what's gone down.
Let's say you've decided you should have 50% of your portfolio in a mix of stock index funds. If stocks crash and bonds rise in value, then the stock portion of your portfolio might only be worth 45% of your overall portfolio. You can sell some bonds and buy more stocks to get back to the target in your investment plan. Buying low and selling high is the right way to make money investing. But you're not doing this randomly. You are sticking with your plan for your target allocation in your core portfolio.
Bottom line — please don't panic and sell everything just because the stock market crashes and you see other people panicking and getting rid of their stocks. That can do irreparable harm to your portfolio. Buying high and selling low is not a good way to make money.
The audio portion of this episode was produced by Janet Woojeong Lee.
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