The American Heart Association Says Coconut Oil Is Bad for You

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Coconut oil might be a good fix for dry skin, but it isn't the magical cooking solution that wellness bloggers claim it is. In recent years, the trendy oil, which is extracted from the meat of coconuts, has been touted as a "healthy" fat that's better for our bodies than the fats found in meats and dairy products. Yet according to a new review paper from the American Heart Association, the so-called health food actually contains saturated fat that increases “bad” cholesterol.

As USA Today reports, in seven out of seven controlled trials, researchers noted that coconut oil caused LDL—the main source of cholesterol buildup and blockage in the arteries—to spike, along with HDL, the "good" kind of cholesterol that helps removes the compound from our arteries. Changes in HDL cholesterol aren't linked directly to changes in cardiovascular health, but there is still an indirect link between LDL cholesterol and an unhealthy heart. “Because coconut oil increases LDL cholesterol, a cause of CVD (cardiovascular disease), and has no known offsetting favorable effects, we advise against the use of coconut oil,” the American Heart Association concluded.

Surprisingly, coconut oil contains 82 percent saturated fat—far more than butter (63 percent), beef fat (50 percent), and pork lard (39 percent). So how, then, did it become a health fad? Marketing, for starters, along with research showing that coconut oil has a higher proportion of fats called medium-chain triglycerides (MTCs). These MTCs may rev up metabolism rates more than long-chain triglycerides, which are found in most fats and oils. However, the Cornell University researchers who conducted the study used a special coconut oil that contained 100 percent MTCs, while regular coconut oil contains only 13 to 15 percent. A follow-up study showed that lower doses of MTCs don't help overweight adolescents shed pounds.

However you incorporate fat in your diet, the AHA advises that our daily calorie intake to be comprised of no more than 6 percent saturated fats. If you like the taste and consistency of coconut oil in your foods, feel free to continue using it (albeit sparingly), but consider using vegetable oils more often. And in the future, check with your doctor before embracing new claims that a now-trendy food offers newly discovered health benefits.

[USA Today]

12 Creative Ways to Spend Your FSA Money Before the Deadline

stockfour/iStock via Getty Images
stockfour/iStock via Getty Images

If you have a Flexible Spending Account (FSA), chances are, time is running out for you to use that cash. Depending on your employer’s rules, if you don’t spend your FSA money by the end of the grace period, you potentially lose some of it. Lost cash is never a good thing.

For those unfamiliar, an FSA is an employer-sponsored spending account. You deposit pre-tax dollars into the account, and you can spend that money on a number of health care expenses. It’s kind of like a Health Savings Account (HSA), but with a few big differences—namely, your HSA funds roll over from year to year, so there’s no deadline to spend it all. With an FSA, though, most of your funds expire at the end of the year. Bummer.

The good news is: The law allows employers to roll $500 over into the new year and also offer a grace period of up to two and a half months to use that cash (March 15). Depending on your employer, you might not even have that long, though. The deadline is fast approaching for many account holders, so if you have to use your FSA money soon, here are a handful of creative ways to spend it.

1. Buy some new shades.

Head to the optometrist, get an eye prescription, then use your FSA funds to buy some new specs or shades. Contact lenses and solution are also covered.

You can also buy reading glasses with your FSA money, and you don’t even need a prescription.

2. Try acupuncture.

Scientists are divided on the efficacy of acupuncture, but some studies show it’s useful for treating chronic pain, arthritis, and even depression. If you’ve been curious about the treatment, now's a good time to try it: Your FSA money will cover acupuncture sessions in some cases. You can even buy an acupressure mat without a prescription.

If you’d rather go to a chiropractor, your FSA funds cover those visits, too.

3. Stock up on staples.

If you’re running low on standard over-the-counter meds, good news: Most of them are FSA-eligible. This includes headache medicine, pain relievers, antacids, heartburn meds, and anything else your heart (or other parts of your body) desires.

There’s one big caveat, though: Most of these require a prescription in order to be eligible, so you may have to make an appointment with your doctor first. The FSA store tells you which over-the-counter items require a prescription.

4. Treat your feet.

Give your feet a break with a pair of massaging gel shoe inserts. They’re FSA-eligible, along with a few other foot care products, including arch braces, toe cushions, and callus trimmers.

In some cases, foot massagers or circulators may be covered, too. For example, here’s one that’s available via the FSA store, no prescription necessary.

5. Get clear skin.

Yep—acne treatments, toner, and other skin care products are all eligible for FSA spending. Again, most of these require a prescription for reimbursement, but don’t let that deter you. Your doctor is familiar with the rules and you shouldn’t have trouble getting a prescription. And, as WageWorks points out, your prescription also lasts for a year. Check the rules of your FSA plan to see if you need a separate prescription for each item, or if you can include multiple products or drug categories on a single prescription.

While we’re on the topic of faces, lip balm is another great way to spend your FSA funds—and you don’t need a prescription for that. There’s also no prescription necessary for this vibrating face massager.

6. Fill your medicine cabinet.

If your medicine cabinet is getting bare, or you don’t have one to begin with, stock it with a handful of FSA-eligible items. Here are some items that don’t require a prescription:

You can also stock up on first aid kits. You don’t need a prescription to buy those, and many of them come with pain relievers and other medicine.

7. Make sure you’re covered in the bedroom.

Condoms are FSA-eligible, and so are pregnancy tests, monitors, and fertility kits. Female contraceptives are also covered when you have a prescription.

8. Prepare for your upcoming vacation.

If you have a vacation planned this year, use your FSA money to stock up on trip essentials. For example:

9. Get a better night’s sleep.

If you have trouble sleeping, sleep aids are eligible, though you’ll need a prescription. If you want to try a sleep mask, many of them are eligible without a prescription. For example, there’s this relaxing sleep mask and this thermal eye mask.

For those nights you’re sleeping off a cold or flu, a vaporizer can make a big difference, and those are eligible, too (no prescription required). Bed warmers like this one are often covered, too.

Your FSA funds likely cover more than you realize, so if you have to use them up by the deadline, get creative. This list should help you get started, and many drugstores will tell you which items are FSA-eligible when you shop online.

10. Go to the dentist.

While basics like toothpaste and cosmetic procedures like whitening treatments aren’t FSA eligible, most of the expenses you incur at your dentist’s office are. That includes co-pays and deductibles as well as fees for cleanings, x-rays, fillings, and even the cost of braces. There are also some products you can buy over-the-counter without ever visiting the dentist. Some mouthguards that prevent you from grinding your teeth at night are eligible, as are cleaning solutions for retainers and dentures.

11. Try some new gadgets.

If you still have some extra cash to burn, it’s a great time to try some expensive high-tech devices that you’ve been curious about but might not otherwise want to splurge on. The list includes light therapy treatments for acne, vibrating nausea relief bands, electrical stimulation devices for chronic pain, cloud-connected stethoscopes, and smart thermometers.

12. Head to Amazon.

There are plenty of FSA-eligible items available on Amazon, including items for foot health, cold and allergy medication, eye care, and first-aid kits. Find out more details on how to spend your FSA money on Amazon here.

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The 20 Most Valuable Companies in the World

The Apple store on Fifth Avenue in New York City.
The Apple store on Fifth Avenue in New York City.
Laurenz Heymann, Unsplash

It seems like the most valuable companies should be those whose products and services we use on a near-daily basis. And according to Forbes’s most recent list, they are: The top five highest-valued brands in the world are Apple, Google, Microsoft, Amazon, and Facebook.

The annual study is based on a complex mixture of metrics that cover revenue and earnings, tax rates, price-to-earnings ratios, and capital employed. Since the data is from 2017 to 2019, the list doesn’t reflect how the coronavirus pandemic has affected the companies in question. That said, it does reflect what many have long assumed: that Big Tech is running laps around all the other industries. The top five are all considered technology companies, as are four others in the top 20 (Samsung, Intel, Cisco, and Oracle). Other companies aren’t in the technology category, but they own lucrative offshoots that are. Disney, in seventh place with an estimated value of $61.3 billion, falls under the “leisure” umbrella—but Disney+ itself would likely be marked “technology.” (Netflix is.)

The list isn’t completely devoid of time-tested classics that don’t involve software or hardware. Coca-Cola edged out Disney by about $3 billion to take sixth place; Toyota placed 11th with a brand value of $41.5 billion; and McDonald’s just cracked the top 10 with $46.1 billion. Louis Vuitton, Nike, and Walmart all also made the top 20.

Just because a brand ranked high on this year’s list doesn’t necessarily mean it’s doing well (and vice versa). Facebook, for example, suffered a 21-percent decrease in brand value compared to Forbes’ 2019 list—the largest loss of all 200 companies included in the study. Netflix’s brand value, on the other hand, jumped a staggering 72 percent from 2019 to 2020. With an estimated $26.7 billion value, it still missed the top 20 by six spots.

See Forbes’s top 20 below, and check out the full list here.

  1. Apple // $241.2 billion
  1. Google // $207.5 billion
  1. Microsoft // $162.9 billion
  1. Amazon // $135.4 billion
  1. Facebook // $70.3 billion
  1. Coca-Cola // $64.4 billion
  1. Disney // $61.3 billion
  1. Samsung // $50.4 billion
  1. Louis Vuitton // $47.2 billion
  1. McDonald’s // $46.1 billion
  1. Toyota // $41.5 billion
  1. Intel // $39.5 billion
  1. Nike // $39.1 billion
  1. AT&T // $37.3 billion
  1. Cisco // $36 billion
  1. Oracle // $35.7 billion
  1. Verizon // $32.3 billion
  1. Visa // $31.8 billion
  1. Walmart // $29.5 billion
  1. GE // $29.5 billion

[h/t Forbes]