Daily Archives: January 31, 2023

India Predicted XI vs New Zealand: Will Prithvi Shaw be roped in for IND vs NZ 3rd T20I? – Republic World

Posted: January 31, 2023 at 5:07 pm

India Predicted XI vs New Zealand: Will Prithvi Shaw be roped in for IND vs NZ 3rd T20I?  Republic World

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India Predicted XI vs New Zealand: Will Prithvi Shaw be roped in for IND vs NZ 3rd T20I? - Republic World

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FIRE Movement: What It Is And How It Works – NerdWallet

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What is the FIRE movement?

Financial Independence Retire Early (FIRE) is a movement that prioritizes saving and investing 50% or more of your income so you can retire before youre in your 60s. You can say youve reached the FIRE finish line once your savings can cover your expenses post-retirement, with inflation factored in.

The goal of FIRE is to achieve financial freedom so investors can choose how to spend their time.

It's basically having the financial flexibility to have the ultimate life flexibility, says Rachael Burns, a certified financial planner at True Worth Financial Planning, based in Folsom, California.

The term FIRE came from a 1992 book called "Your Money or Your Life," written by Joe Dominguez and Vicki Robin. The book discusses changing your relationship with money to achieve financial independence, and live a life that aligns with your goals and values.[0]

Financial independence might look like taking a pay cut to pursue work you love, working part time so you can take more naps during the day, or it might mean not working at all. And its a popular goal: 22% of millennials hope to retire before they clock 60, according to Fuel for the F.I.R.E., a 2021 Vanguard Digital Advisor survey.[0]

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NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities.

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NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities.

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How does FIRE work?

People who use FIRE to retire early do so by drastically reducing their expenses, looking for ways to increase their income, and investing the money they save in a mix of tax-advantaged accounts as well as regular brokerage accounts.

But FIRE retirement does come at a cost that not everyone can afford. It often requires cutting down expenses to the bare minimum so you have more income to invest. As mentioned above, FIRE followers could be saving 50% of their income or more, and thats not possible for everyone, Burns says.

"Some people are not able to live as simply, maybe because they have a family.

The rule of 25 and 4% rule

Followers of FIRE often consider two things: the 25x rule and the 4% rule.

Rule of 25

The rule of 25 says you need to save 25 times your annual expenses to retire. To get this number, first multiply your monthly expenses by 12, and then youll have your annual expenses. You then multiply that annual expense by 25 to get your FIRE number, or the amount youll need to retire.

So, for example, if your monthly expenses are $6,000, you multiply that by 12 to get an annual expense of $72,000. Multiply that by 25 and youll have your FIRE number of $1.8 million.

If a FIRE number seems too ambitious, some people explore ways to increase their income and then invest that extra money.

The 4% rule

The 4% rule says that retirees can withdraw 4% of their savings the first year, and then adjust for inflation in future years if necessary, and not run out of money in retirement.

The 4% rule assumes a 30-year retirement goal, so if you plan to retire earlier than that, this may not work for you.

And Burns says investors should be cautious about following advice designed for masses, especially when it comes to determining a FIRE number.

I see a lot of people saying, Oh, you need to have this much money and then you can retire, or You can safely withdraw 4.5%. These rules of thumb are really big generalizations, but really like any of that financial advice, it's never one size fits all, Burns says.

The right savings rate

If youre interested in early retirement, think about how much money you plan to save and invest annually to reach your goal.

Figure out a savings rate that matches the speed at which you want to go, says Paris Woods, New Orleans-based author of The Black Girl's Guide to Financial Freedom and a FIRE supporter.

If your goal is to achieve financial independence in 10 years or less, Woods suggests saving about 70% of your income.

The magic of compound growth

Because of inflation, physical cash saved in a bank account probably wouldnt be enough to sustain you for the next 40 years.

However, saving and investing money in tax-advantaged retirement accounts can help you prepare for retirement, thanks to compound interest.

Both IRAs and 401(k)s are accounts you can use to invest for retirement. Roth IRAs require you pay taxes up front, but your investments grow tax-free and you can withdraw your money tax-free in retirement. Accounts such as traditional IRAs and 401(k)s are subject to taxes when you withdraw money in retirement, but you still enjoy the benefits of tax-free growth and compounding returns.

There are annual contribution limits for both IRAs and 401(k)s. So what happens if youve maxed out all of your retirement accounts? Where do you save and invest next?

Invest as much money as you want in a regular brokerage investing account, Burns says. There's no limit to how much you can add to that.

In terms of what to invest in, be that stocks, bonds, or funds such as ETFs, it just depends on your risk tolerance.

It does need to be invested fairly aggressively, and aggressive means something different to everyone, she says.

Tax-efficient strategies

A question you should ask yourself when devising a strategy is how much money youll need between your goal retirement age and the age you can start withdrawing from your retirement accounts penalty-free, which is usually around 59.

Once you come up with a number, you could consider saving that amount in your regular brokerage account. That way, if you do want to retire early, you don't run out of cash before youre eligible to start taking qualified distributions from your retirement accounts.

While youll still have to give Uncle Sam a piece of your pie when withdrawing from a regular brokerage account, you wont have to pay early withdrawal penalties. You will have to pay taxes when your investments earn dividends and interest, as well as when you sell investments for more than what you bought them, Burns says.

There's no way to get around paying taxes its just part of the game, and if you're paying taxes, it probably means you're making money. So it's kind of a good thing, but we obviously don't want to pay more taxes than we need to.

Types of FIRE

Some people assume FIRE means you have to avoid splurging. But there are various forms of FIRE; some are extreme, while others are milder.

These are popular FIRE approaches:

Lean FIRE

Those who believe in minimalist lifestyles and can live off very little tend to fall into the lean category. They may save more than half of their income to achieve financial independence faster.

For those people who care really deeply about liberating themselves from needing to go to work every day, I think it would be compelling to take this lean FIRE approach, Woods says.

Fat FIRE

If your motto is to live a little, fat FIRE may be for you. The goal of fat FIRE investors is to save a large amount of money so they can live it up in retirement. For instance, if you live on $200,000 annually and would like to continue living on that amount in retirement, youll need to save and invest a larger amount than someone who plans to live on $50,000.

Barista FIRE

Individuals who do barista FIRE arent necessarily trying to escape work; the focus is on saving up enough to retire, but then work less or part time. To do this, barista FIRE investors save enough so that they dont need to earn huge amounts of money from work to fund their lifestyles. Some people are drawn to barista FIRE because its a way for them to focus on work that matters to them, as Woods says she is doing.

I think I might find myself in the category of folks who are doing work that is meaningful and see working as playing some role in their lives for the foreseeable future, but want the freedom to only do work that is meaningful and accept roles that meet their personal requirements, Woods says.

Limitations of FIRE

Retiring early might sound appealing, but there are risks, and its not for everyone.

For instance, if you stop working, youll have to foot your own medical expenses until Medicare kicks in around age 65, and your investments may not perform as well as you thought. Either one of those scenarios could have consequences such as having to raise your withdrawal rate or needing to re-enter the workforce.

FIRE requires getting pretty strict with your spending, Burns says, as some people save 50% or more of their income, which is not doable for all investors.

If you dont earn enough to cover your basic needs and save aggressively for early retirement at the same time, FIRE may not be for you, Burns says. Lacking an emergency fund or owing high-interest debt may be other reasons that FIRE may not be attainable.

If someone's making minimum wage, this is not going to be doable for them, Burns says. But if their income is high enough to where they're like, OK, I can, I can comfortably live off of half of this and just sock away the rest, then that's, that's how you get started.

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FIRE Movement: What It Is And How It Works - NerdWallet

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FIRE: Financial Independence, Retire Early Forbes Advisor

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Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

The FIRE movementfinancial independence, retire earlyhas gained wide exposure in recent years. FIRE adherents are often portrayed as people who take extreme measures to save for early retirement, leading many people to dismiss the movement as a fringe concept. But theres more to FIRE frugality and deprivation, and it hardly a one-size-fits-all journey.

For many practitioners of FIRE, the goal isnt the retire early end of the acronym but rather the financial independence part. They aim to save enough money to given them the freedom they want and avoid depending on a regular job to pay the bills.

In its most extreme versions, of course, FIRE adherents minimize expenses by giving up all the small comforts in life, from turning on the heat or air conditioning to buying a cup of coffee. But there are plenty of folks for whom the journey more moderate sacrifices. In this version of FIRE, its about living within ones means while saving for the future.

Jackie Cummings Koski accomplished her goal of saving 25x her yearly expenses in 2018. With enough savings tucked away, she believed that she had the means necessary to quit her job as a sales manager in Dayton, Ohio but has in fact chosen to keep working. Knowing that she can quit when she wants is liberating, she says.

Koski started working toward financial independence after getting divorced in 2003. During the process of splitting their assets, she realized her ex-husband had $120,000 in his retirement accountsabout six times as much as she had saved. For Koski, it was an eye-opening moment.

I vowed from that day that I was going to pay close attention to my finances and do things to put me on a better financial trajectory, she recalls. I didnt want to be the stereotype of a divorced single mom, especially being African American, so I did everything I could to turn it around.

FIRE practitioners aim to save 25x their annual expenses. This strategy is based on two common retirement strategies: The 25x Rule and the 4% Rule, each of which help people set up safe rates of withdrawal from their retirement savings.

But as noted above, FIRE isnt a one-size-fits-all goal. Some, like Koski, are looking to be financially independent, while others really are focused on beating the standard timeline and retiring very early. Individual interpretations of FIRE are affected by how much people are willing to save each year, and what they plan to do and how they want to live in retirement.

There are three broad approaches to FIRE:

The three factors that go into financial independence include your savings rate, investment returns and withdrawal rate. Heres how that works.

First, determine what percentage of your income you can save. Savings can and should include all retirement contributions, any employer matching contributions and money set aside outside of retirement accounts in a taxable brokerage account.

Second, take the portion of your current income you spend and multiply that number by 25. For example, someone who spends $50,000 a year would need to accumulate 25 times this amount, or $1.25 million to achieve FIRE.

Finally, calculate how long it will take you to accumulate your FIRE number based on the amount you save each year. This will require you to make an assumption about investment returns. The higher the rate of return, the faster you achieve FIRE. You can use this calculator to try this for yourself.

Take somebody who earns $70,000 a year, with zero saved for retirement. If this person wanted to pursue a FIRE strategy, they could save 10% of their income, or $7,000 a year. Applying the 25x rule, they would need to save around $1.58 million (25 x $63,000). Given these assumptions, plus an 8% annual return, it would take this person about 37 years to reach financial freedom.

Heres another scenario: A person who earns an annual income of $70,000, with zero saved. But in this case, the person is pursuing FIRE by saving 30% of their income. Assuming the same 8% return, it would take them about 22 years to save the same 25x amount to reach financial independence.

The more you save, the sooner youll reach financial independence. If you budget wisely and choose to save 50% of your income under the same scenario, youd hit financial independence in about 14 years.

People pursue FIRE for a variety of reasonsnot everyone wants to be financially independent just so they can stop working. Koskis decision stems from experiences she had as a child growing up poor.

Koski and her five brothers were raised by their father, a single parent who worked at a factory in Augusta, Georgia. Koski says they never went withouttheir father worked multiple jobs to make ends meet, and they got free lunch at schoolbut they were living below the poverty line. She recalls how she and her brothers always knew it was almost payday: the fridge was empty.

At the time, I didnt realize it, but we were very much living paycheck to paycheck, Koski recalls. The experience made her want to cultivate a very different life..

Some say FIRE is only possible for individuals who are ready to forgo comfortable lives now to retire early in the future. But Koski doesnt believe shes sacrificing her current lifestyle to achieve financial independence. Im not a minimalist. I buy the things that I value and that I like. And my daughter, she had a good life, too, says Koski.

She builds her budget around the money that is left after maxing out contributions to her 401(k), Roth IRA and health savings account (HSA), a practice she started in 2008. Koski has enough money for everything she wants to do, because she is strategic about spending. She uses an app called GasBuddy to find the cheapest gas near her, for example.

I dont mind spending money, but I want to know if Im getting the best deal and making sure that Im careful with the way that I spend my money, says Koski

Part of what has fueled interest in the FIRE movement is a growing discontentment with life in corporate America. Some FIRE followers say instead of being miserable sitting at a desk for most of their lives, theyd rather travel the world or do work they actually find fulfilling. But not everyone pursuing FIRE hates their job.

Koski may already have 25x her yearly expenses saved, but she still heads to the office Monday through Friday. Theres other things that I would like to do, but I like my job, Koski says. I like my boss. I work at a great company. I feel good about what Im doing at work, so Im not running from my job.

Theres little reliable information on who identifies with the FIRE movement. But its clear that the dream of achieving financial independence isnt only for high earners.

In 2018, TD Ameritrade conducted a survey of 1,503 U.S. adults aged 45 and older with more than $250,000 in investable assets, including 753 individuals who said they are financially independent or plan to be. Around a third of respondents who were already financially independent had incomes between $50,000 and $99,900a stark contrast from the idea that FIRE is only attainable for people making six figures.

Still, there are obvious barriers to the most ambitious FIRE goals, like retiring at 35 or 40. A big one is student debt. Over half of young adults who attended college have student debt, with the typical monthly payment reaching between $200 and $299 per month, according to the Federal Reserve.

Student loans may slow down the process of becoming financially free, but paying off student loans doesnt have to be seen as a permanent barrier, says Tanja Hester, author of Work Optional and a leading figure in the FIRE community.

Its just another savings goal, Hester says. In order to do something like retire early, youre going to have to go through several financial milestones. Its understandable why you might see it as a hurdle, but its just another thing to figure out, just like figuring out how youre going to fund your early retirement years, how youll fund your traditional retirement years or how youre going to get health care.

Related: Best Credit Cards 2023

Some critics argue that the FIRE concept carries big risks. Saving 25x yearly expenses is based on the traditional 4% rule, which is considered as a safe withdrawal rate for a 30-year retirement. An individual retiring at age 40, rather than the expected retirement age of 65, could easily outlive their savings.

Some individuals pursuing FIRE try to mitigate this risk by investing in passive income streams, like rental properties, to help boost their annual cash flow. Others choose income producing activities that are meaningful to them, such as running profitable blogs or starting businesses built on their passions.

David Blanchett, head of retirement research at Morningstar, says that while wanting to retire at 30 is unrealistic for most Americans, the general principle of financial independence is something everyone should be striving for.

My concern with what Ive heard about FIRE is mostly about outliers in an impossible situation, so it doesnt really connect well and isnt realistic, Blanchett says. But the concept of saving more is one thing as a society that we need to do. People really need to ask themselves, what is really important to me? And then build financial goals around it.

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9 Pros and Cons of Vaping to Know Before Starting – Vaping360

Posted: at 4:54 pm

Vaping gets a lot of bad press. Although we hear occasional positive reports about the health benefits of electronic cigarettes, theyre generally overwhelmed by coverage of hypothetical risks and exaggerated dangers. Its not easy to find the facts about vaping.

Recently, 15 past presidents of the Society for Research on Nicotine and Tobacco (SRNT) co-authored a paper in the American Journal of Public Health arguing that vapings potential positive effect on public health is being ignored or twisted by powerful interests and lobbying groups.

Even top scientists and researchers in relevant fields are ignored when their research doesnt align with the popular message (that vaping is just as bad smoking, if not worse). That makes things really confusing!

This article can bring some clarity and simplicity to the topic with a healthy dose of real-world advantages. So what are the actual pros and cons of vaping? Lets get to it.

1. Its safer than smoking: The British Royal College of Physicians and Public Health England, and American National Academies of Sciences, Engineering and Medicine, all agree that vaping is safer than smoking cigarettes. PHE says vaping is at least 95% less harmful. Because there is no combustion in vaping, there is no smoke, and smoke is what creates the tar and carbon monoxide that lead to most of the long-term health damage from smoking. The health benefits of being smoke-free include improved lung and heart function, and even better senses of smell and taste.

2. No noxious odors: One of the biggest advantages of vaping is that you and your clothes, house and car wont smell of smoke anymore. Vaping has an aroma, but its a long way from the smell of stale smoke and cigarette butts. In fact, even tobacco-flavored vapes dont smell anything like burning tobacco. To a lot of people, the smell of vapor is barely noticeable. You might even get compliments!

3. Control over nicotine intake: Vaping gives you full control over your nicotine dosage. E-juice is available in a variety of strengths, ranging from nicotine-free to high-strength nicotine. You can choose exactly how much nicotine is in your vapeor use no nicotine at all. Most vapers tend to start off with high nicotine levels and gradually work their way down to lower strengths, or even eliminate nicotine completely.

4. Control over vapor output: Vaping gives you control over the amount of vapor you exhale, which is a major part of the experience. Some vapers prefer smaller devices like pod vapes for convenience and low vapor volume, and others like high-powered mods for cloud chasing. Adjusting the power output, airflow, and coil type lets you further fine tune your vapor volume, which affects the flavor too. You can be subtle and stealthy, or as showy as you like, depending on how you choose to vape.

5. Flavors for every palate: There are virtually endless flavor options to choose from in e-juice. Some of the most popular flavor categories are fruit, desserts, beverages, mint and menthol, and tobacco. And if you dont like whats available commercially, you can make your own vape juice!

6. Instant satisfaction: Although advanced vapes may require initial tinkering, there are lots of simpler products that come prefilled and ready to use. Either way, once the vape is ready, taking a hit is as simple as pushing a button or drawing on the device (some have an automatic draw). While all vaping devices need a charged battery and e-juice to continue working, the average vape can sustain you throughout the day with no maintenance or upkeep.

7. Price points for every wallet: The vaping market is large and competitive. There are lots of products in every price rangefrom 10 dollars to hundredsthat can suit almost any user. Whether you want a simple disposable e-cig, or a sophisticated vape mod and premium e-liquid, theres a vape out there that you can start using today.

8. No experience needed: Sure, you can make a hobby of collecting vaping gear or learning how to build your own coils, but you can also have a great vaping experience immediately as a beginner. Between beginner starter kits and simple pod vapes, there are lots of quality vaping products that require no previous experience.

9. Access and availability: These days, you can find good vapor products in vape shops, convenience stores, gas stations, and even smoke shops. There are also online vape shops that will ship vaping products right to your front door.

1. Too many choices: To a new vaper, or a smoker considering a change, the endless options presented by the vaping market can be overwhelming. With cigarettes, you choose a brand and light up, but with vaping there are literally millions of possible choices. Thats why its best to point the vape-curious toward easy-to-use products with simple instructions to get started, and then to good sources of further information (vape shops, forums, experienced vapers) as new vapers learn the finer points.

2. The vape learning curve: Maybe the biggest danger for a new vaper is buying a product that requires specialized knowledge. Often they wind up confused and frustrated, and regret trying to switch to vaping. Again, there is no need for a long learning curve! Simple starter products are almost always the best first choice.

3. Potential health risks: Its true that vaping is too new for us to understand every potential risk it could pose. But if youre using vaping to stay off cigarettes, you can rest easier knowing that youve distanced yourself from the well-documented dangers of smoking. The substances in cigarette smoke that make it uniquely harmful are either entirely absent from e-cig vapor or only present in tiny amounts. That makes it much safer for vapers, and also for bystanders subject to secondhand vapor.

4. Vapers face smoking stigma: For almost 60 years, tobacco control has focused on smoking denormalization, which is just a fancy word for stigmatizing smoking and smokers. Now the same drug war-style campaign to dehumanize people who smoke is being turned against vapers too. Because vaping looks like smoking to people who do neither, smokers who switch to safer vaping products are often disheartened to discover they face the same stigmatization, rooted in ignorance, fear and intolerance.

5. Vaping is perceived as a youth problem: Because of the endless news stories about a teen vaping epidemic, older smokers may shy away from vaping as a way to quit smoking. The fact is that adults of every age vapeand the legal age to buy vapes is 21but for those coming to e-cigarettes now, soon after the JUUL panic era, it may not be easy to separate the harm reduction benefits of vaping from the adolescent fad perception.

6. Nicotine misinformation: Nicotine is probably as misunderstood as any drug in the world. Its really just a mild stimulant that has effects similar to caffeine. But because its history is inevitably tied to smokinga highly dangerous delivery mechanismnicotine has a terrible reputation. Nicotine doesnt cause cancer or heart disease, but many people mix up the effects of nicotine and smoking, including doctors that regularly treat lifelong smokers. Nicotine actually can offer health benefits for many users.

7. Restrictive laws and rules: Based mostly on the vaping epidemic promoted by anti-vaping organizations, vaping has become a ripe target for laws and regulations that reduce vaping choices, availability and cost. More than half of American states have taxes on vaping products, and Congress recently passed a law banning U.S. Postal Service delivery of vaping products. Some states have banned vape products in flavors other than tobacco.

8. FDA regulations may eliminate vaping choices: The biggest government threat to vaping may be the Food and Drug Administrations Premarket Tobacco Application (PMTA) process. Manufacturers wishing to keep their products on the market were forced last fall to submit complex applications to prove the products are appropriate for the protection of public health. Experts believe the FDA will use the PMTA process to wipe many of the best vaping products off the market. (Cigarettes were grandfathered onto the market without having to submit PMTAs, by the way.)

9. Finding the truth about vaping isnt easy: Vaping is a disruptive technology that threatens the tobacco industry, but it also threatens the powerful anti-smoking industry. It can be very hard for a smoker or new vaper to separate the lies from the truth about vaping, since these powerful foes advance their narratives in every kind of news outlet and even through allied federal agencies. Because there are lots of frightening stories about vaping. Its easy to get scared away.

By now you should have a better understanding about the pros and cons of vaping. There are a number of points on both sides. But if you consider that vaping is an alternative to smoking, it should be obvious that its the best choice of the two. Although vaping is not the only way to combat cigarette addiction, all the other choices have pros and cons as well.

Vaping is successful because it offers nicotine and a smoking-like experience, but without the combustion products that make smoking deadly. But vaping isnt perfect, and its not the answer for everyone. Whatever you decide, at least do it with a clear sense of the benefits and the downsides of vaping.

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Can vaping damage your lungs? What we do (and dont) know

Posted: at 4:54 pm

The rising popularity of vaping has been dramatic, especially amongteenagers. According toa 2019 study, about 37% of high school seniors reported vaping in 2018, up from 28% the year before. An estimated 2.1 million middle school and high school students reported using e-cigarettes in 2017; that numberjumped to 3.6 million in 2018. A more recent survey found that among high school seniors, more than 40% had tried e-cigarettes. Certainly, age restrictions its illegal to sell e-cigarettes to anyone under 21 (18 or 19 in some states) arent preventing use among teens and young adults. And more than nine million adults 18 or older use e-cigarettes, according toa 2020 survey by the CDC.

E-cigarettes use a battery-powered device that heats a liquid to form vapors or, more accurately, aerosol that the user can inhale (thus "vaping"). These devices heat up various flavorings, nicotine, marijuana, or other potentially harmful substances. Nicotine is addictive, of course. And while that fact is prominently displayed in advertising, we know from experience with regular cigarettes that warnings dont always work!

You may have seen news reports of sudden and severe lung problems, including deaths, linked to vaping. This condition is called e-cigarette, or vaping, product use-associated lung injury, or EVALI.

According to the CDC:

Its not entirely clear how often vaping might lead to lung trouble or who is at highest risk. For example, are lung problems more common among vapers who already have breathing problems (such as asthma) or who smoke other substances, such as regular cigarettes or marijuana? Is it more common among younger individuals?

The tragic and alarming cases of severe lung disease are clearly cause for concern. A number of other health effects are also worrisome:

How vaping affects ouroverallhealth is uncertain. However, there appears to be ample evidence that vaping is not "95% less harmful than smoking" as some have claimed.

In addition to whatever enjoyment vaping brings, some evidence suggestsvaping helps some people stop smoking (though other evidence suggests otherwise). How it compares to a nicotine patch or other methods of smoking cessation is not clear. So far, the FDA has not approved vaping as a method of smoking cessation. And many smokers who vapecontinue to use both cigarettes and e-cigarettes.

The true balance between the benefits and risks of vaping remains impossible to assess. We dont always know whats in e-cigarettes. The FDA, which is responsible for authorizing or approving tobacco products, authorized marketing of a few e-cigarette products in 2021 and has denied many others; but, as noted by the agency, these actions "do not mean these products are safe or FDA approved." And, there is no information available about their long-term health impact.

Perhaps vaping should be viewed as a "lesser of evils" for current cigarette smokers. Still, its clear that there is a lot about vaping we dont know. One way well learn more is by people reporting possible vaping-related health problems to the FDA you canlet them knowif youve had such problems.

Until we know more, think twice about vaping. Federal and state authorities recommend avoiding all vaping until more is known. If you do decide to vape, avoid e-cigarettes bought "off the street" and stick with brand name e-cigarette products without modification (such as adding marijuana or other drugs).

These cases of severe lung disease among people who vape raise important questions about the safety of vaping. Perhaps we shouldnt be surprised that lung problems might develop in people who vape: our lungs were meant to inhale clean air and nothing else. It took many years to recognize the damage cigarettes can cause. We could be on a similar path with vaping.

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Can vaping damage your lungs? What we do (and dont) know

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Vaping vs. Smoking Weed: Is One Safer? – Healthline

Posted: at 4:54 pm

The safety and long-term health effects of using e-cigarettes or other vaping products still arent well known. In September 2019, federal and state health authorities began investigating an outbreak of a severe lung disease associated with e-cigarettes and other vaping products. Were closely monitoring the situation and will update our content as soon as more information is available.

Over the past decade, marijuana laws have continued to change across the United States.

What was once vilified as a potentially dangerous gateway drug is now being recognized by many states (33 plus Washington, D.C., to be exact) as having medicinal properties that can help manage a range of health conditions, from anxiety and cancer to chronic pain and more.

Marijuana is now also recreationally legal in 11 of those 33 states. (Note that marijuana is still classified as illegal by the U.S. federal government.)

In states where marijuana is legal, its being sold mostly in three different ways:

If you live in a state where marijuana is legal, you might be wondering how best to consume it, especially in light of recent federal investigations into the safety of vaping.

Heres what we know.

For decades, health experts warned the public about the dangers of inhaling tobacco smoke from cigarettes, cigars, and pipes.

For marijuana, some research suggests some compounds in it, known as cannabinoids, may have a few benefits.

One of the more well-known cannabinoids is called CBD. For this reason, some people believe smoking marijuana is less dangerous than smoking tobacco.

Cannabinoids, such as CBD, are different from tetrahydrocannabinol (THC), the chemical in marijuana that gets a person high.

Inhaling smoke of any kind whether its cannabinoid-containing weed or tobacco or another substance is bad for lung health, according to the American Lung Association.

Most marijuana users hold smoke in their lungs longer than tobacco smokers, putting them at greater risk for exposure to tar which is harmful to the lungs.

Some negative health effects associated with chronic weed smoking include:

Vaping marijuana involves inhaling heated oil through a vaporizing device, often referred to as an e-cigarette. Vaping marijuana can also refer to using a vaporizer, such as a Volcano, to produce vapor from dried plant material.

Some people believe vaping is safer than smoking because it doesnt involve inhaling smoke. But the reality is, when it comes to vaping marijuana, theres much less known about the negative health effects.

The most recent research suggests vaping THC oil could be quite harmful to lung health. The greatest concern at the moment is the severe effects of inhaling vitamin E acetate. This additive chemical has been found in many vaping products that contain THC.

As of Dec. 27, 2019, nearly 2,561 cases of lung injury (EVALI) caused by inhalation of vitamin E acetate, or popcorn lung, have been reported in all 50 states, the District of Columbia, and two U.S. territories (Puerto Rico and U.S. Virgin Islands) and have led to 55 deaths during that time, according to the Centers for Disease Control and Prevention (CDC).

Some of the people affected by vaping illnesses include children.

The CDC recommends people avoid using e-cigarettes and vaping products, particularly those containing THC oil, because theyre likely to contain vitamin E acetate.

Early research shows vaping liquids and oils even once can harm your lungs. Because vaping is new and hasnt been well studied, there could be harmful effects of vaping that arent yet known.

Some states with legal marijuana are proactively warning marijuana users that vaping liquids has been known to cause severe lung injuries and death.

To stay up to date on the latest vaping-related illness news, check the CDC website for regular updates.

There are several ways to smoke marijuana:

When people vape, they consume concentrated marijuana. It seems to be a much more potent delivery system than smoking. In other words, youll get more high from vaping than from smoking.

Researchers have determined that the effects of vaping marijuana are much stronger than smoking.

In one study, researchers found that first-time and infrequent marijuana users were more likely to experience adverse reactions from the enhanced delivery of THC caused by vaping when compared to smoking.

Both smoking and vaping have an almost immediate effect on the body. Their effects peak within 10 to 15 minutes.

Most experts recommend starting vaping or smoking very slowly, taking in a small amount at first and waiting 20 to 30 minutes before having more.

Because the harmful effects of smoking are well known and the health effects of vaping are unknown (and possibly very serious), its understandable that you might want to seek an alternative way to use marijuana.

If youre looking to consume marijuana in the least risky way, ingesting it might be the way to go.

Edible marijuana products, or edibles, can be any food or beverage. They include, but arent limited to:

Keep in mind that ingesting marijuana doesnt have an immediate effect. Having too much can lead to adverse physical and mental reactions, such as:

But when eaten in moderation, edibles seem to have no apparent harmful health effects.

Eating raw marijuana wont have the same effects on the body as consuming marijuana-based products prepared correctly. Marijuana has to be heated in order for its chemical compounds to be activated. Cooking it can do that.

It can take up to 2 hours for the effects of ingested marijuana to hit and around 3 hours for them to peak. Effects are often long lasting anywhere from 6 to 8 hours.

For this reason, its important to start slowly. Consume a very small amount if youre ingesting marijuana for the first time. For example, a common dose for edibles is 10 milligrams of THC. If youre just starting out, opt for 2 to 5 milligrams of THC.

If you seek the purported beneficial health effects of marijuana without the high, you may want to seek out CBD oil and products that contain it. Note: the CDC does not recommend vaping any liquid, including CBD oil.

Note, however, that CBD products arent regulated by the Food and Drug Administration. If you do buy them, its important to do so from a reputable distributor.

While more research on the effects of consuming marijuana is needed, it appears we can conclude that smoking any substance including marijuana is generally not good for you.

New research suggests vaping liquids may also be detrimental to health and can cause serious problems, including death. So, it seems the least harmful way of consuming marijuana may be to eat it.

However, researchers note that long-term marijuana use and THC exposure may increase the risk of psychosis and mental health disorders.

If you want to get the health benefits of marijuana with the least amount of risks, it seems CBD products might be the way to go though you wont get high from using them.

Is CBD legal?The 2018 Farm Bill removed hemp from the legal definition of marijuana in the Controlled Substances Act. This made some hemp-derived CBD products with less than 0.3 percent THC federally legal. However, CBD products containing more than 0.3 percent THC still fall under the legal definition of marijuana, making them federally illegal but legal under some state laws. Be sure to check state laws, especially when traveling. Also, keep in mind that the FDA has not approved nonprescription CBD products, and some products may be inaccurately labeled.

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Vaping vs. Smoking Weed: Is One Safer? - Healthline

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