What Is In Your Hands Can Give You Millions

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The best money advice anyone can ever give you is to firmly establish this concept of the time value of money in your head. The key to financial prosperity is realizing the potential value of every dollar that comes into your hands. In fact, I think of cash as a seed—you can either eat it spend it or invest it sow it. You are faced with two potential uses: you can stick the money in your tax-free retirement account or take yourself out to dinner. In reality, you are spending far more.

Using one of the time value of money formulas, we can calculate the real economic cost of not investing the cash.

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To perform the calculation, we have to make a few assumptions. Next, we must establish your expected rate of return.

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Historically, the stock market has returned 12 percent. If you want to invest in bonds, your return will be lower. Assume that you invest in a combination of both and expect to earn a 10 percent rate of return. Enter 1. Raise this to the 35th power. The result is The first is to decrease the overall biomass of microbes — that is, decrease the amount of bacteria, viruses and other types of microorganisms.

We do this by lathering with soap and rinsing with water. Studies have shown that effectively washing with soap and water significantly reduces the bacterial load of diarrhea-causing bacteria.

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The second strategy is to kill the bacteria. We do this by using products with an antibacterial agent such as alcohols, chlorine, peroxides, chlorhexidine or triclosan. Some academic work has shown that antibacterial soaps are more effective at reducing certain bacteria on soiled hands than soaps without them. Some bacterial cells on our hands may have genes that enable them to be resistant to a given antibacterial agent.

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This means that after the antibacterial agent kills some bacteria, the resistant strains remaining on the hands can flourish. Further, the genes that allowed the bacteria to be resistant could pass along to other bacteria, causing more resistant strains. Also, the long-term use of some antibacterial products may harm your health. For example, animal studies investigating the antibacterial agent triclosan, which used to be in soaps, toothpastes and deodorant, has been shown to alter the way hormones work in the body.

The Food and Drug Administration has prohibited the use of over-the-counter antiseptic wash products containing triclosan and many other antibacterial active ingredients. To clean our hands, the Centers for Disease Control and Prevention recommends that we:.


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I was shocked to read a study that indicated that Also, one study showed that across a college-town environment with observations of 3, people, the average hand-washing time was approximately six seconds! If soap and water are not unavailable, the CDC recommends using an alcohol-based hand sanitizer that contains at least 60 percent ethanol.

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Alcohols have a broad-spectrum of antimicrobial activity and are less selective for resistance compared to other antibacterial chemicals. However, alcohol-based hand sanitizers may not work on all classes of germs. In the lab where I am pursuing my dissertation, our focus is understanding the complex interactions between animal hosts and bacteria.

I would be remiss to not mention that the bacteria that live on or within us are essential for us as hosts, especially considering their role in protecting us from pathogens.

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We live in a microbial world: Trillions of different bacteria colonize our skin, gut, and orifices. Collectively with yeast and viruses, they are called our microbiota.


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  • Our microbiota can protect us from germs by training our immune system and by colonization resistance : the characteristic of the intestinal microbiota to block colonization of pathogens. Although more research needs to be done to understand the intricate interactions between microbial communities with host cells, consistent work illustrates that a diverse population of microbes and a balance of this community is important for our health.


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    Poor diet, lack of sleep, stress and antibiotic use can negatively perturb our microbiota communities, which in turn can put us at risk for diseases. In fact, it is becoming clear that our microbiota are active participants in preventing and sometimes driving disease, depending on the state of the microbial communities.