Category Archives: awareness

Why Repealing Affordable Health Care Will Hurt The Freelance Economy

Photo: Aaron Thomas via Unsplash

Photo: Aaron Thomas via Unsplash

The Affordable Care Act has made health insurance accessible for millions of freelance workers, a number that is expected to account for 40% of the workforce by 2020. For various reasons self-employment is also increasingly popular amongst millennials, with nearly 40% of the millennial workforce already describing themselves as self-employed. To put things into perspective, that is 60 million Americans, and the numbers are on the rise.

A freelance economy revolves around companies who hire independent workers on a short-term basis to complete a specific set of tasks. The term “freelancer” can also include consultants, solopreneurs, lifestyle entrepreneurs, and other types of independent workers able to contribute to a company’s operations while remaining lean to both parties’ benefit. This cohort, known for being nimble and resource-savvy, is key to job growth, economic innovation, and technological progress.

If the American Health Care Act act passes (currently passed by The House but not the Senate) and the Affordable Care Act is repealed, it is certain that the monthly cost of health care for self-employed individuals will skyrocket. This will make acquiring health care near impossible for many independent workers.

Under the law, individuals who make roughly less than $46,000, or families of four making less than $95,400, qualify for lower premiums. This means that they can pay as little as a third of the retail price for health insurance via federal taxcredits — that is, if they don’t already have access to health insurance through an employer.

Growth of the freelance cohort will stall as many new freelancers will be intimidated by the astronomical monthly expense without these credits — or simply put, they will be unable to meet the expense all together. Many existing freelancers will undoubtedly be forced to return to corporate life, surrendering the freedom and flexibility that made freelancing so attractive to begin with — or alternatively, forgo health care altogether if securing full-time employment at a company with health benefits is not an option.

The suggestion that the United States will not provide reasonable health coverage to its independent working population is troubling. Not only is it bypassing what should be a fundamental right for any member of a functioning society, but it stalls innovation in a competitive and ever-changing global economy. Let us not forget, many of our recent industry disruptors began their ventures solo and/or relied on contractors in the early stages of business.

Freelancers Union, a non-profit organization that aims to ensure that independent contractors receive adequate rights, protections and professional benefits, has handpicked health insurance plans on their website to fit freelancers’ needs. The online private exchange requires a qualifying event in order to apply (examples include: job loss, relocation, discontinued carrier plan). If qualified, HMO plans with a deductible of $5,500 for an individual ($11,000 for family) start at $285 per month for freelancers in the state of California through plans offered by Kaiser, Blue Shield, Anthem, and Sutter Health. For a lower deductible, plans start closer to $760.00 per month.

The Affordable Care Act has made healthcare available to millions of Americans striking out on their own. By repealing it, we are placing freelancers in a precarious position. Health care will become too expensive for the fastest growing segment of today’s soon-to-be largest workforce. As a result, we are not only inhibiting the health and wellness of this large cohort of Americans, but we are limiting the options for the workers of tomorrow’s economy.

Environmental Biohacking & Rumbling With The Unknown

Sunset at Big Sur taken during week 4 of my bio-hacking experiment

Big Sur, CA – Taken during Week 4 of my experiment.

The following is based on a talk I gave a few weeks back at Twitch HQ for Women’s Catalyst Lightening Talks.

At the end of September I deliberately kicked myself out of my studio apartment.

I sublet to a friend for two months and hit the road.

Now, I didn’t go very far. I drove around California in my trusty Prius C – living with friends, crashing on couches, spending time in nature.

I did this because I needed to get uncomfortable.

Because I believe that curiosity is greater than comfort.

[ Curiosity Zone > Comfort Zone ] *

I didn’t always believe this.

I’m a virgo perfectionist who likes her creature comforts. I’m in the upper half of my 30’s. What sense did it make to live out of my car when I had immediate goals to achieve?

Because I needed to clear my head. Because I wanted to get better.

Biohacking is a systems thinking approach to our own biology.

Here’s a short list of hackable things** :

• Nutrition – what we put into our bodies

• Physiology/Movement – muscle activity, cardio-vascular health, stretching & posture

• Environment – lighting, air quality, spending more time in nature

• Meditation – it can literally rewire the brain

• Mindfulness – practicing gratitude on a regular basis

• Sleep – measuring how much you get, performing regular quality checks

• Attention – how you think, learn, reason and focus

• Getting Uncomfortable…

…Ah ha!

Getting uncomfortable can mean a lot of things. It can mean taking a cold shower, contemplating death, or giving rejection therapy a spin. For me, it was a version of being homeless.

I’m not going to say it was easy. I oft dreamt about returning to my peaceful Oakland apartment.

But as soon as I returned to Oakland two weeks ago I felt a wave of disappointment wash over me. I walked to the window and looked out. Where was everyone, and…

…When can I do it again?

Here are my findings post-experiment:

1. Possessions – I can get by with less. A lot less.

2. Focus – Having less allows me to focus directly on my goals.

3. Self-reliance – I became stronger with my asks because my needs were clear.

4. Self-Awareness – I became more open minded to new situations.

5. Planning – I made a choice to just show up and take it one day at a time. And it worked.

Most of all, I learned that I don’t need to have everything figured out.

Becaue we are a generation defining life on our own terms. There are no right answers, no playbook to live by. We can write our own stories as we go.

 

* via this post by James Altucher

** via this post by Dave Asprey

Becoming Antifragile – How To Gain From Disorder

 

Image Credit: Andre Faria Gomes

Image Credit: Andre Faria Gomes via Slideshare: Antifragile: Lessons Learned

“Wind extinguishes a candle and energizes fire. Likewise with randomness, uncertainty, chaos – you want to use them, not hide from them. You want to be the fire and wish for the wind.”

-Nassim Taleb

Last week I gave a talk at the monthly Catalysts Collective event here in San Francisco on the topic of antifragility. The following points are highlights from my talk.

To understand the premise of Antifragile – Things That Gain From Disorder there are three key areas to consider.

We know what it means to be fragile – to be easily broken. Another way to interpret it is to be damaged by disorder. The world’s banking system is a good example – something left vulnerable to chaos, randomness, and uncertainty.

After the state of fragility comes resiliency. Things that are resilient have the ability withstand disorder. Imagine a structure built to withstand earthquakes. When an actual earthquake occurs, the building (hopefully) remains standing. It does not change.

A great story of being resilient is the phoenix. The phoenix may rise from the ashes, but he rises only to become what he once was before. 

The final state Taleb focuses on is the state of being antifragile.

Antifragility is when something benefits from disorder. While startups are known to harbor an improbability of success, when viewed in increments success happens as a result of randomness, chance, volatility and instability. 

When viewed from the macro level, the startup economy benefits society as a whole. It creates room for opportunity and innovation. Things like volatility and instability are required in order for them to achieve the point of contribution at scale. This concept can be applied to the contribution of individuals too – organic things, like muscle mass, require some level of instability or challenge in order to grow.

I believe that being antifragile is essential for personal revolution.

Some benefits of being antifragile include:

  • Increased confidence
  • Welcomeness to change
  • The allowance of discomfort
  • Possessing a growth mindset versus a fixed one.

Here are  ways to become antifragile:

  • Think of perceived failure as opportunity
  • Lean into fear
  • Embrace community
  • Listen to yourself and to others
  • Seek opportunities
  • Build a strong baseline
  • Use the barbell strategy.

The barbell strategy is a method presented by Taleb. Consider the image of a barbell. The maximum amount of risk you’re willing to take goes on one side. It’s balanced by Maslov’s basic needs (food, water, safety) on the opposing end.

This is a very basic introduction to the basic concepts of Antifragility. If you’d like to learn more, I recommend checking out the book itself or visit the following blogs that present nice summaries and applicable tips for becoming antifragile.

Taylor Pearson – Antifragile Book Notes

StartupBros – How You Can Profit From The Unknown: Becoming Antifragile

Buy – Antifragile: Things That Gain From Disorder (Amazon)

What’s Mamba Mentality? Kobe, Kyrie & The Pursuit Of Greatness

Kyrie Irving with the series-clinching shot

Source: Complex.com

When describing their comeback at the end of Game 5, LeBron James famously said “It’s all about those two magic words. Game 7.”

In the NBA playoffs, each team battles an opponent from their division bracket-style, playing the best out of 7 games with the winning team advancing to the next round. It’s fairly common that each match up won’t make it all the way to Game 7 – sometimes a team will win four straight games, or they’ll battle it out through five. Making it to seven means that each team has given it their all and have an equal chance to advance. It all comes down to the final game. Or in this case, the final few seconds.

In the last minute of Game 7 between the Cleveland Cavaliers and the Golden State Warriors, everything came down to a moment in time when either LeBron and crew would win the NBA championship title or lose it all, marking the 56th year that a Cleveland team had once again failed to win a professional sports championship.

In the tense final seconds of Game 7, Kyrie Irving made a three point shot that sealed the deal for the Cavs. “All I was thinking was Mamba Mentality,” he said. The internet lit up with searches. Many NBA fans may be familiar with this philosophy from another all-time NBA great — Kobe Bryant.

“We don’t quit, we don’t cower, we don’t run. We endure and conquer. That’s mamba mentality.”

-Kobe Bryant

We can draw from this mentality in order to show up as the best version of ourselves in everyday life. It can pick us up when times get rough – when we miss the shot and fall emotionally flat.

Having the ability to get back up and endure the struggle with honor and integrity is the source of real power. When we harness it, we create drive. We also take ownership of our lives that, even in incremental steps, points us in the direction of being Great.

One game at a time.

Besides, real Greatness is not defined by others. It’s our ability to become better than who we were yesterday. And set ourselves up to be even better tomorrow.

Kyrie was absent from the NBA finals a year ago when the Cavaliers faced the Warriors for the first time. Instead he was posting to social media from a hospital room where he was being treated for a knee injury. His disappointment was palpable.

Despite the injury — and countless injuries that he suffered all season long — the 24-year old did not let it get him down. He worked hard when he returned to practice, persevered in training, and showed up all season long to do what was necessary in order to bring him back to that arena floor once again.

As part of their three-game comeback (a first for the league) Kyrie scored 42 points alongside four-time NBA MVP and three-time Finals MVP LeBron James. It was the first time two players from the same team scored so many points within a single game.

Irving demonstrated mamba mentality through the critical seconds of that final game to seal the deal for the Cavaliers while marking a major milestone in the history of Cleveland sports.

We have the ability to create a similar story for ourselves. To let nothing stand in our way. To persevere, overcome setbacks and to lean on others for support. To always play to the best of our ability despite unfavorable conditions. Chances are, the odds will wind up in our favor.

Beyond Meditation: Improving Brain Health And Performance

Image Source: Medicalxpress

Brain health is a fascinating topic. We know so little about our brains yet they drive everything we do. Meditation and the concept of mindfulness are popular topics, yet we don’t understand how we arrive at the benefits that everyone talks about. It’s probably safe to say that the majority of us don’t know how our brains actually work.

The good news is that we’re in new period of health and wellness where doctors can accurately see how our brains function, and even pinpoint the specific areas where our brains malfunction. This is very different from the traditional, assumption-based approach to making diagnoses in mental health. We are also learning that in many cases, real treatment doesn’t require the help of chemical drugs in order for us to find balance or heal.

 The Brain That Changes Itself by Norman Doidge, M.D. is an informative read that focuses on brain elasticity. He presents the concept that that we can redesign our brains by understanding how they work from a mechanical perspective.

For example, you know when you have trouble recalling a memory, or a specific word? Blame it on the gradual neglect of the brain’s attentional system. In short, our brains become noisy. When this happens, the signal for a new memory can’t compete against the background electrical activity of the brain. This causes a signal-to-noise problem.

Using practical explanations paired with real-world stories, Doidge covers topics ranging from healing through neuroplastic therapy to everyday practices for preserving our brains.

In Change Your Brain, Change Your LifeDr. Amen calls out the main issue with  mental health today – we are “throwing medication-tipped darts” at issues unproven through science.

He relies on a technology called SPECT  to discover which areas of the brain over or under perform. Unlike an MRI or CAT scan,  a SPECT scan shows the electrical activity happening within your brain as it functions. Based on this, he is able to find the cause of a problem through factual evidence.

A SPECT scan is expensive – it’ll set you back $3,500. In Change Your Brain, Change Your Life, he presents methods for anyone to improve their brain health. Treatment methods are broken into four core areas, or 4 overlapping circles, where we can take a balanced approach to assessment and healing.

  1. Biological – how your body actually functions. This is the physical aspect of how your brain and body work together. Factors include nutrition, exercise, sleep, hormones, genetics, and overall physical health.
  1. Psychological – developmental issues and how you think. This includes how we talk to ourselves, self-concept, body image, traumas, upbringing, and significant developmental events.
  1. Social – social support and your current life. This includes the quality of one’s relationships and current life stressors. For example, depression is often triggered by stressful life events involving others, and the health habits of the people with whom we spend time with have a dramatic impact on habits and well-being.
  1. Spiritual – your sense of meaning and purpose. Having a sense of purpose allows us to reach beyond ourselves to affirm that our lives matter.

Mental health is a topic we tread lightly, as though we are somehow considered “broken” or “weak” when addressed. The irony is that our brains are actually the CEOs of our bodies –  influencing every thought we have, each action we take and the behaviors we choose to express. If we treat mental health in a reactive way rather than a circumstantial one, we can break these taboos and become higher functioning human-beings in the process.