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<ul class="summary-list"><li>Climate change is increasing the severity of natural disasters — and home insurance prices.</li><li>For those moving to a climate-risk state, there are some steps you can take to protect your home.</li></ul>Finding an affordable home in a red-hot real estate market is already a tremendous feat.And now, in addition to rapidly rising prices, home buyers are increasingly worried about another factor: climate change.According to Zillow, more than 80% of home buyers considered climate risks — including flood, wildfire, and hurricane — when shopping for a house.In particular, climate change complicates the homebuying process by sending <a target="_blank" href="https://www.businessinsider.com/climate-change-homeowners-insurance-premium-costs-crisis-skyrocketing-states-hurricanes-2024-10">home insurance premiums skyrocketing</a>. As storms and other natural disasters become more destructive, home insurance providers are raising rates or pulling out of certain states altogether, according to insurance company Insurify.According to Holden Lewis, a home insurance expert at NerdWallet, climate change is hitting states such as California, Florida, North Carolina, Tennessee, Virginia, Texas, Oklahoma, Kansas, and Nebraska the hardest — and wildly disrupting these states' home insurance markets.If you're looking to purchase a house in these high-risk markets, here's what you need to know about rapidly rising home insurance rates.<h2 id="4ca151ec-b6df-44db-821b-3b925503bc08">How to navigate the insurance landscape when moving</h2>As climate change exacerbates the frequency and severity of natural disasters, homes are at higher risk of damage. Insurance companies in turn are raising prices to cover the higher costs of covering claims and reinsurance, or insurance for insurance companies.According to financial data firm Bankrate, the national average cost of home insurance is $2,285 a year for up to $300,000 of dwelling coverage. But in high climate-risk states such as Nebraska, Florida, and Oklahoma, average annual premiums range from $4,835 to $5,655.It might seem obvious, one step homebuyers can take to avoid surprises is consider home insurance costs early in the homebuying process, Lewis said. As insurance premiums increase, they can materially impact your monthly housing payments and push a home out of your affordability zone.Prospective buyers shopping for homes in a new state are especially prone to insurance sticker shock, according to Lewis. For example, if you're thinking of moving from Ohio to Texas, you might not be aware that the average homeowners insurance rate in cyclone-prone Texas is $3,916 a year — $2,600 more than in Ohio, Lewis pointed out.Still, climate-risk states remain popular. According to <a target="_blank" href="https://www.uhaul.com/Articles/About/U-Haul-Announces-Top-Growth-States-Of-2023-30660/">U-Haul</a>, Texas and Florida received the highest influx of new residents in 2023.Many of these newcomers might not have done their homework on the home insurance market before moving to the state, according to Stephanie L., homeowner and lifelong Florida resident who asked not to use her full last name for privacy reasons.There's a lack of consumer awareness of the financial risk extreme weather brings, in Stephanie's opinion. "If you purchase a beautiful home on a river, you have to understand that with the way storms come in, you could be at risk," Stephanie told Business Insider in an interview.Even within climate-risk states, you can minimize your home's exposure to extreme weather and bring down insurance premiums by researching the local neighborhood.When Stephanie bought her house, she picked a location in the Jacksonville metropolitan area, which has less exposure to hurricane risk than other areas of the Sunshine state."We definitely looked for high and dry, not in a flood zone, and not in a hurricane evacuation zone," Stephanie said.Indeed, Jacksonville home insurance premiums are significantly lower than Florida's state average of $5,527, with homeowners paying an average of $2,705 a year for insurance according to Bankrate.Next, when it comes by a natural disaster, you want to ensure that the insurance policy can fully cover rebuilding costs. Many policies offer dwelling coverage limits in line with the market value of the house, but that's not always sufficient coverage, according to Lewis."The market value of the house the day before a fire or storm might be less than the actual cost to rebuild it to current building codes," Lewis said.For prospective homebuyers, Lewis recommends clarifying the dwelling coverage limit with the insurance agent and shopping around for available policies.Also important to note is that flood coverage often isn't included in standard homeowners insurance policies. This is an important consideration if you're looking to buy a house in an area prone to hurricanes."If water is rising, say from a river, or storm surge, then a standard homeowners policy will not cover that damage," Lewis said.Stephanie purchased flood insurance in addition to her regular homeowners insurance when she purchased a home."I also have a separate flood policy even though I'm not in a floodplain," she said. "When you're not in a flood zone, flood insurance is pretty affordable."Although Stephanie isn't at high risk for flooding, she still wants to be prepared for the worst. It's not a bad idea to go the extra mile and purchase extra insurance when it comes to buying a home in Florida, even if you're not directly in a flood zone.In addition to hurricane-prone Gulf Coast states, regions like western North Carolina, eastern Tennessee, and southern Virginia are flooding hotspots, according to Lewis.Lastly, homeowners also should consider how inflation will drive up home insurance costs, especially as concerns over inflation loom high in today's economy. An inflationary environment will increase the cost of building materials and construction, Lewis pointed out.As a result, it may be a good idea to review your coverage every year or two to evaluate the status of your coverage, Lewis said."Talk to the agent, maybe even talk to a general contractor just to find out, 'Hey, am I still covered? Do I still have enough coverage to pay to rebuild this home?'" Lewis suggested.For those considering buying a home in a state with high levels of climate risk, taking these precautions during the homebuying process can help you protect your investment.

Buying a home in one of these 9 climate-risk states? Here's how to deal with spiking home insurance rates from someone who lives in one

<ul class="summary-list"><li>Ford recalled about 85,000 Explorer Police Interceptor Utility vehicles on Friday.</li><li>Ford has undergone at least three recalls this month alone, impacting millions of cars and trucks.</li></ul>Ford recalled over 85,000 police vehicles due to potential engine fires in its latest manufacturing headache.The National Highway Traffic Safety Administration announced the recall in a <a target="_blank" class="" href="https://www.nhtsa.gov/recalls?nhtsaId=24V598">memo</a> this month. It affects 2020-2022 Ford Explorers with the <a target="_blank" class="editor-rtfLink" href="https://www.businessinsider.com/employees-ask-ford-to-stop-building-and-selling-police-vehicles-2020-7">Police Interceptor Utility Package</a>."In the event of an engine failure, engine oil and fuel vapor may be released into the engine compartment and accumulate near ignition sources such as hot engine or exhaust components, possibly resulting in an engine compartment fire," the memo said.A safety recall report said as of July 9, there were 13 reports of "under hood fires in North America resulting from engine block breaches on Explorer PIU vehicles built with 3.3L engines manufactured before June 2, 2022."Ford is not aware of any accident or injury reports related to the issue, according to the safety report.Representatives for Ford and The National Highway Traffic Safety Administration did not immediately respond to Business Insider's request for comment.<div type="image" title="The ford logo" height="3648" width="5472" msid="112595871" hostid="261" sizebytes="453894"></div>The recall is the latest misstep for Ford.Although Ford earned $1.8 billion in net income during the second fiscal quarter, the company acknowledged in a July earnings press release that its warranty reserve increase impacted its profits. The company racked up $2.3 billion in warranty and recall costs during the second quarter alone, according to The Associated Press.Ford began recalling vehicles at the beginning of the year, including more than 2 million Explorer SUVs in January because of trim-retention clips.In June, <a target="_blank" class="editor-rtfLink" href="https://www.businessinsider.com/half-million-ford-pickup-trucks-recalled-for-suddenly-shifting-gears-2024-6">Ford recalled</a> over half a million 2014 Model F-150 pickup trucks because of sudden gear shifts. The company then issued another recall for 2024 Ford Mustang over concerns that the steering wheel could turn unintentionally.This month, Ford recalled almost 5,000 2024 Mustang vehicles over concerns the rear suspension knuckles could fail. Then, Ford issued a "Do Not Drive" warning for over 374,000 vehicles "equipped with recalled, unrepaired Takata airbags."Ford Chief Operating Officer Kumar Galhotra said in a February press release that the company has taken steps to improve its quality and, in turn, its profits."We're seeing green shoots of quality improvement, including in our new-product launches — with several important ones coming up this year," Galhotra said. "Across our global industrial system we've identified and will land $2 billion in cost reductions, in areas like material, freight and manufacturing — and we're just getting started."

Ford can't stop recalling its cars

<ul class="summary-list"><li>A grocery magnate turned robotics leader has had $9 billion wiped off his net worth this year.</li><li>Rick Cohen ranks among the biggest wealth losers after a 41% drop in his personal fortune.</li></ul>A grocery tycoon turned robotics guru has had $9 billion wiped off his net worth after shares of his AI-powered company crashed, making him one of the world's biggest wealth losers this year.Rick Cohen, 72, is the owner and executive chairman of C&amp;S Wholesale Grocers, a food distributor founded by his grandfather. He's turned the family business into the eighth most-valuable private company in America with an estimated value of $35 billion, per Forbes.Cohen is also the founder and CEO of Symbotic, which makes AI-enabled warehouse robots for customers including <a target="_blank" class="" href="https://www.businessinsider.com/walton-family-sam-walmart-stock-billionaires-estate-planning-inheritance-wealth-2024-8">Walmart</a>, and went public via special-purpose acquisition vehicle in the summer of 2022.He was worth $21.4 billion at the start of January. That would put Cohen in 94th spot on the Bloomberg Billionaires Index all else being equal.However, his wealth has plunged by 41% to $12.6 billion this year, pushing him down to 178th place. Only six people on Bloomberg's 500-strong list have suffered bigger hits to their wealth this year, and none rank lower than 77th on the index.They include the world's third-richest person, LVMH CEO <a target="_blank" class="" href="https://www.businessinsider.com/who-is-bernard-arnault-owner-louis-vuitton-lvmh-net-worth">Bernard Arnault</a> (down $10.5 billion), L'Oréal heiress <a target="_blank" class="" href="https://www.businessinsider.com/meet-richest-woman-world-francoise-bettencourt-meyers-loreal-2023-9">Françoise Bettencourt Meyers</a> (down $9.2 billion), and Arnault's archrival, Kering founder <a target="_blank" class="" href="https://www.businessinsider.com/francois-henri-pinault-bio-salma-hayek-kering-gucci-balenciaga-2023-3">François Pinault</a> (down $10.4 billion).It's striking that Cohen has seen a steeper wealth drop than all but a handful of the uber-rich, three of whom are in the top 20 and all of whom have far more money to spare.Cohen's wealth has tanked because the value of his family's roughly 70% stake in Symbotic has plummeted. The stock more than quadrupled last year, from about $12 to more than $50, on the back of the <a target="_blank" class="" href="https://markets.businessinsider.com/news/stocks/ai-stocks-hardware-vs-softare-tech-performace-nvidia-tsmc-broadcom-2024-6">artificial-intelligence boom</a>, and buzz over a contract to implement its robotics and software automation platform across all 42 of Walmart's regional distribution centers.Symbotic shares have crashed by more than 60% this year to below $20 at Friday's close, slashing the company's value to below $10 billion. The latest quarterly earnings revealed construction delays and implementation costs had squeezed profit margins, and spurred Cohen and his team to warn that fixing the issues might temporarily slow revenue growth.Symbotic is also facing a class-action lawsuit claiming it misled the market about its near-term growth prospects and downplayed the risks it faced.The clouded outlook likely explains why Symbotic is trading at a 17-month low, and why Cohen has suffered an extraordinary wealth wipeout this year.Symbotic and Cohen didn't immediately respond to requests for comment from Business Insider made outside normal working hours.

A grocery tycoon turned Walmart robotics supplier is one of this year's biggest wealth losers after $9 billion wipeout

<ul><li><keyword id="6354919" type="General" weightage="20" keywordseo="lt" source="Orion">L&amp;T</keyword> is amongst the largest infrastructure companies in India, with its business spread across engineering, construction, manufacturing among others. </li><li>In its annual report, the infra giant revealed large pay hikes to its top management, including CEO and MD <keyword id="887018" type="General" weightage="20" keywordseo="sn-subrahmanyan" source="Orion">SN Subrahmanyan</keyword>. </li><li>Here’s how much L&amp;T’s top management took home last year. </li></ul>Infrastructure major L&amp;T’s CMD SN <keyword id="3476596" type="General" weightage="100" keywordseo="subrahmanyan" source="Orion">Subrahmanyan</keyword> received a bumper payout in 2021-22 as his salary benefits doubled to ₹24 crore, without including post-employment benefits as listed in the company’s annual reports. However, Subrahmanyan was one of top executives of the company who took a voluntary pay cut during the pandemic year. His <a href="https://www.thehindubusinessline.com/money-and-banking/covid-19-lt-group-chairman-directors-take-voluntary-salary-cut-of-up-to-53/article32150260.ece">salary had then gone down b</a>y almost 44%. In real terms, currently his salary is much higher than it was before the pandemic. The company which has also been fighting off pandemic blues has booked orders to the tune of ₹1.9 lakh crore in the last financial year – which grew at 10%. The company’s CFO Shankar Raman’s salary too almost doubled to ₹16 crore. The biggest jump in salary however was reserved for SV Desai, the senior VP of construction – whose salary went up almost three times. It is to be noted however that their former CMD and the current group chairman AM <keyword id="50744" type="General" weightage="20" keywordseo="naik" source="Orion">Naik</keyword>’s salary barely changed during the year. This is in spite of the fact that he took a 24% salary cut during the pandemic. <div type="image" title="L&amp;amp;T remuneration hike 2021-22." msid="92877137" hostid="261" sizebytes="20180" caption="&amp;lt;p&amp;gt;Remuneration of L&amp;amp;amp;T&amp;#39;s key managerial personnel in FY22&amp;lt;/p&amp;gt;"></div> It’s not just the top executives who have received hikes. L&amp;T’s overall staffing costs too went up by 20% during the year. “As a percentage to revenue, it increased by 80 basis points, reflecting manpower ramp-up in the IT &amp; TS segment and salary revision,” the company said. The company also turned <a href="https://www.businessinsider.in/business/corporates/news/all-decks-cleared-for-lts-share-buyback-as-co-turns-debt-free/articleshow/92866225.cms">debt free</a> during the year and even before that its interest costs have gone down for the year. Earlier, a Motilal Oswal <a href="https://www.businessinsider.in/business/corporates/news/indias-biggest-companies-spend-nearly-11-lakh-crore-on-employee-expense-last-year/articleshow/92690317.cms">report</a> showed that the employee benefit expenses of Nifty 500 companies surged by ₹1.2 lakh crore in 2021-22 – from ₹9.6 lakh crore in the year before. This is an average increase of 12.5%. <div type="image" title="Nifty 500 emp benefit exp" msid="92877150" hostid="261" sizebytes="38268" caption="&amp;lt;p&amp;gt;Employee benefit expenses of Nifty 500 companies&amp;lt;/p&amp;gt;"></div> The NBFC sector offered the biggest salary hikes – at an average of 23%, while tech was a little behind at 19%. India’s four largest banks – SBI, ICICI Bank, HDFC Bank and Axis Bank, apart from HDFC – also figured in Forbes’ list of top performing companies last year. SEE ALSO: <a href="https://www.businessinsider.in/business/corporates/news/all-decks-cleared-for-lts-share-buyback-as-co-turns-debt-free/articleshow/92866225.cms">All decks cleared for L&amp;T’s share buyback as co turns debt free</a> <a href="https://www.businessinsider.in/finance/news/why-rbi-wants-international-trade-settlement-in-rupees/articleshow/92850515.cms">Explained: International trade settlement in Rupees and why RBI is doing it</a> <a href="https://www.businessinsider.in/retail/news/dmart-gets-it-mojo-back-from-monsoons-and-school-going-children/articleshow/92796927.cms">Unlockdowned - DMart gets it mojo back from monsoons and school-going children</a>

L&T CMD SN Subrahmanyan’s salary doubles after a pandemic cut but Naik’s pay remains the same

<ul class="summary-list"><li>A human performance scientist shared the 9 supplements he takes daily to optimize his health.</li><li>Professor Andy Galpin said a healthy lifestyle is the goal but supplements can play a role in great health.</li></ul>A human performance scientist who's coached elite athletes and celebrities, from the LA Clippers to <a target="_blank" href="https://www.businessinsider.com/cringe-couple-pics-social-media-relationship-health-happiness-therapist-2024-2">Travis Barker</a>, shared the nine supplements he takes daily for gut, brain, and muscle health with Business Insider.Andy Galpin, a professor of kinesiology at California State University, Fullerton, encourages a well-rounded approach to health that encompasses movement, a diet packed with whole foods and high-quality protein, positive relationships, plenty of sunshine, and quality sleep. He also believes <a target="_blank" href="https://www.businessinsider.com/should-i-take-supplements-scientist-benefits-2024-4">supplements</a> can play a role in enhancing performance and optimizing health.Most experts agree we should take a <a target="_blank" href="https://www.businessinsider.com/i-tracked-my-diet-get-nutrients-food-supplements-2022-11">food-first approach</a> to nutrients, and Galpin is a paid scientific advisor at the supplement brand Momentous. But he told BI that while he doesn't want to "oversell supplements at all," he's seen them improve people's nutrient levels hundreds of times. They're not a panacea by any stretch, he said, but there's compelling evidence of the benefits of some ingredients.Galpin is part of a growing number of people who personalize their approach to health in the hope of preventing disease and living longer, in a trend dubbed <a target="_blank" href="https://www.businessinsider.com/what-is-a-longevity-clinic-executive-physical-2024-5">"Medicine 3.0."</a> It can involve taking supplements or undergoing medical treatments that might not be backed by robust scientific evidence as an insurance policy.He himself just launched RAPID Health Optimization, an online company that offers a "custom, state-of-the-art solution" to health problems with extensive testing and <a target="_blank" href="https://www.businessinsider.com/personalized-nutrition-dietary-advice-dna-test-microbiome-2017-6">personalized nutrition</a>, supplementation, and lifestyle advice.Each quarter, Galpin does blood tests and adjusts his supplements based on the results, plus his <a target="_blank" href="https://www.businessinsider.com/personal-trainer-supplements-never-take-energy-drinks-protein-bars-2024-4">workout goals</a>. (Galpin previously shared his <a target="_blank" href="https://www.businessinsider.com/longevity-workout-human-performance-scientist-2024-5">longevity-focused exercise regime</a> with BI).This means his regime is personalized to his specific needs and may not be right for another person, he said. Consult a medical professional before taking new supplements.Here's Galpin's current supplement protocol.<h2 id="67d850b6-d0e7-40cd-bd52-33408d3e7ae7">Multivitamin</h2>While many studies suggest <a target="_blank" href="https://www.businessinsider.com/most-vitamin-supplements-are-useless-according-to-new-study-2018-5">taking a multivitamin is mostly useless</a>, some people take them as a cheap insurance policy."It's a few cents a day and people that are very active and exposed to high amounts of stress, there is some literature suggesting they could benefit," Richard Bloomer, a researcher at Memphis University, who tests <a target="_blank" href="https://www.businessinsider.com/supplement-scientist-heart-health-inflammation-daily-2024-3">how effective supplements </a>are, previously told BI.Galpin falls into this camp. He eats a healthy diet but also takes a multivitamin daily to ensure he's covering his basic nutritional needs. He takes two capsules of Momentous's multivitamin in the morning and evening.There's also some evidence to suggest that older adults may derive <a target="_blank" href="https://www.businessinsider.com/multivitamins-for-memory-older-adults-benefit-2023-10">subtle memory benefits </a>from taking a multivitamin.<h2 id="41c95869-7ee3-4391-9222-f2ba24dffe66">Fish oil</h2>Every day, Galpin takes 4 grams of fish oil to support <a target="_blank" href="https://www.businessinsider.com/best-memory-supplement-plant-protein-berries-scientist-2024-2">brain health</a> and reduce inflammation, he said.Fish oil contains omega-3 fatty acids, which our bodies need but can't produce. They play important roles in brain function, normal growth and development, and reducing inflammation, according to Harvard Medical School. Deficiencies have been linked to cardiovascular disease, some cancers, mood disorders, and more.Some evidence suggests fish oil has anti-inflammatory effects that can be protective against muscle soreness and damage from hitting the gym. One small study found that men who took 3 grams of fish oil capsules a day for four weeks experienced less muscle soreness after working out than those who didn't.Foods high in omega-3 include fatty fish such as salmon, some vegetable oils, walnuts, flax seeds, and leafy vegetables. It's unclear if capsules provide the same benefits as whole foods containing omega-3 fats, according to Harvard Medical School.<div type="image" title="Fish oil supplements" height="2217" width="3332" msid="110709383" hostid="261" sizebytes="160892"></div><h2 id="d63b0c5a-7653-480e-9400-96597ae2ce6f">Creatine</h2>Galpin takes 7.5 grams of <a target="_blank" href="https://www.businessinsider.com/creatine-supplements-build-muscle-how-to-use-expert-advice-2022-3">creatine daily</a> because he believes it provides numerous short and long-term health benefits, including helping build muscle mass.The body can make creatine from three amino acids, the building blocks of protein. It mainly stores creatine in the muscles, where it's used for energy, but also in the brain, according to The Mayo Clinic.Studies consistently suggest that taking creatine supplements can enhance physical performance and strength and reduce recovery time after workouts, according to a 2021 review of research.The results of studies looking into the potential benefits of taking creatine supplements on brain function are mixed. A 2019 meta-analysis of studies on the subject found that creatine may improve short-term memory and reasoning in healthy adults but its effect on other cognitive skills such as planning, attention and response time were unclear.<h2 id="4a44d974-183b-432b-9876-6e77a295c99d">Collagen</h2><a target="_blank" href="https://www.businessinsider.com/guides/health/diet-nutrition/collagen-benefits">Collagen</a> is the most abundant form of protein in the body. It's the primary building block of skin, muscles, bones, tendons and ligaments, and other connective tissues, and is also found in organs, blood vessels, and intestinal lining, according to Cleveland Clinic.Galpin said he takes two collagen shots before a workout for joint health.Collagen supplements are made of components of collagen broken down into a form absorbable by the body, according to MD Anderson Cancer Center.There's not robust evidence to suggest collagen improves physical performance but some studies have reported positive results. One small study based on 24 active men found that those who took 20 grams of collagen a day for seven days before and two days after performing 150 drop jumps had a moderately better recovery time and less muscle soreness than those who took a placebo. But it had no impact on inflammation and bone collagen synthesis.Whether taking collagen supplements supports joint health or improves joint-related conditions such as osteoathritis is a tricky question to answer based on the information currently available.A 2018 meta-analysis published in the journal International Orthopaedics found that overall, collagen was effective in reducing pain and stiffness in patients with osteoarthritis.However, in a <a target="_blank" href="https://www.statnews.com/2022/01/20/painfully-weak-evidence-supporting-collagen-supplements-for-arthritis/">2022 STAT article</a>, Paul T. von Hippel, a professor of data science and statistics at the University of Texas, Austin, noted that only five articles were used and their results appeared contradictory at times.<h2 id="9ad3211b-7e20-4fdb-812d-f3060b3aef4e">Magnesium</h2><a target="_blank" href="https://www.businessinsider.com/risks-popular-supplements-vitamin-d-magnesium-2024-4">Magnesium</a> is a mineral that helps more than 300 enzymes carry out various chemical reactions in the body, such as building proteins and bones, regulating blood sugar and blood pressure, and relaxing muscles, according to Harvard T.H. Chan School of Public Health.Galpin takes 200 mg a day of magnesium for muscle health, recovery, and sleep. "Most high-exercising people are going to benefit from magnesium supplementation," he said.According to the American Sports and Fitness Association, without enough magnesium, muscles are less efficient and more prone to fatigue and injury. It also acts as a relaxant, helping to ease muscle stress and tension from intense workouts, which aids recovery.The mineral has also become<a target="_blank" href="https://www.businessinsider.com/peter-attia-nighttime-supplements-ashwagandha-lysine-magnesium-sauna-2023-10"> popular as a sleep aid</a>, and there is some evidence to suggest that it can help people who are struggling to sleep.For example, a small 2012 study found that participants ages 65 and up who took 500 mg of magnesium daily for eight weeks slept longer and woke up less in the middle of the night compared to the placebo group.However, if you don't have a <a target="_blank" href="https://www.businessinsider.com/guides/health/diet-nutrition/magnesium-for-sleep">magnesium deficiency</a>, increasing your intake is unlikely to improve your sleep, Dr. Rami N. Khayat, a professor with the University of California Irvine School of Medicine and director of the UCI Sleep Disorders Center, previously told BI.<h2 id="e1f92976-fcd1-4277-949c-120ef9078628">Rhodiola Rosea</h2>Rhodiola rosea is a herb that's been used in parts of Europe and Asia for centuries to increase physical endurance, and treat fatigue and depression, among other things.Galpin takes 200 mg daily for stress management and muscular endurance, he said. It's considered an <a target="_blank" href="https://www.businessinsider.com/adaptogens-compound-mushroom-plants-help-reduce-stress-2023-10">adaptogen</a>, which are plants and mushrooms that are said to help the body respond to stress, anxiety, and fatigue.More research is needed, but some studies suggest Rhodiola rosea could help with stress. In one small single-arm study, participants experiencing stress-related burnout took 400 mg Rhodiola rosea daily for 12 weeks. Participants reported that their symptoms lessened, and in particular, they felt less tired and tense, and felt more joy.One study highlighted in a 2023 literature review found that participants could cycle for longer than normal after taking and felt they were exerting less effort after taking Rhodiola rosea. But the improvements were statistically small, the authors said.<h2 id="42830511-b07a-49a8-8c6d-7134ca8762fd">Green tea extract</h2>Galpin said he takes 225 mg of green tea extract once a day to support his immune system.<a target="_blank" href="https://www.businessinsider.com/guides/health/diet-nutrition/what-are-antioxidants">Antioxidants</a>, such as polyphenols in green tea, can neutralize free radicals, which damage cells and DNA and contribute to the aging process. Free radicals are also thought to cause health problems such as cancer and heart disease, according to Mount Sinai.Research suggests green tea could aid the immune system, but more research in humans is needed.<div type="image" title="Cup of green tea." height="1405" width="2135" msid="110709384" hostid="261" sizebytes="48724"></div><h2 id="e052021d-ab0f-4b27-88a8-cacf87d3812a">Vitamin D</h2><a target="_blank" href="https://www.businessinsider.com/guides/health/diet-nutrition/vitamin-d-benefits">Vitamin D</a> helps the body absorb calcium and phosphorous and is needed for healthy teeth, bones, and muscles. Although some foods, including egg yolks and red meat, contain vitamin D, sunlight is thought to be the best source.Galpin takes 5,000 International Units daily for muscle, brain, and gut health.Studies consistently show that vitamin D plays a role in the healthy functioning of the digestive system, however, there's less evidence that vitamin D supplements mimic this. One study based on 80 women who were deficient in vitamin D but otherwise healthy found that vitamin D supplementation increased gut microbial diversity, which is a sign of a healthy gut.Research suggests that vitamin D may play a role in preserving cognitive function.<h2 id="96464901-d913-4c4c-93a3-19384b076d55">L-Glutamine</h2>Galpin takes 5 mg of L-Glutamine twice daily for gut health and immune support.L-Glutamine is an amino acid that plays a key role in digestive and immune health. It's a vital source of energy for immune cells such as white blood cells and intestinal cells, according to Healthline. It also helps maintain the barrier between the inside of the intestines and the rest of the body.L-Glutamine is sometimes used in clinical settings to treat people with low levels of the amino acid as a result of injury or illness.

A human performance scientist shares the 9 supplements he takes daily for gut, brain, and muscle health

<ul><li>Here are performances of 9 most common stocks that were recommended by broking firms in Diwali for <keyword id="459249" type="General" weightage="20" keywordseo="muhurat-trading" source="Orion">Muhurat trading</keyword>.</li><li>Click <a href="https://www.businessinsider.in/newsletters_signup.cms">here</a> for simple, fun and yet insightful explainers on the hottest news developments every week.</li></ul>Six weeks ago, ahead of Diwali, these nine stocks were among the <a href="https://www.businessinsider.in/stock-market/news/here-are-16-top-stocks-recommended-by-several-brokerage-firms-to-consider-investing-during-this-diwali/slidelist/87492257.cms">most-recommended stocks</a> across several broking firms. However, those hopes have come undone with the stocks melting along with the rest of the stock market. Benchmark indices, Sensex and Nifty, have seen a sell-off in four out of the last six weeks since Diwali. The seventh one has started out <a href="https://www.businessinsider.in/stock-market/news/how-do-rising-covid-19-cases-lead-to-a-fall-in-markets/articleshow/88385905.cms">with severe gashes across </a>the market. The Omicron variant of the COVID-19 virus has been the biggest source of fear for traders and investors. Not surprisingly, multiplex chain operator INOX, has been the biggest loser among these stocks given the fear of lockdowns and a resultant dent to the business. <table style="border-width: initial; border-style: none;" class="redcator-table-advance"></colgroup><tbody><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">Companies </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">% return since Muhurat trading </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">INOX Leisure </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">-15% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">ACC </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">-12.50% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">ICICI Bank </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">-10% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">Action Construction Equipment </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">-10% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">Mindtree </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">-7% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">SBI Life </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">-7% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">L&amp;T </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">-6% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">HCL Technologies </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">-2.80% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">Infosys </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">5% </td></tr></tbody><tbody></tbody><tbody></tbody></table>Except <keyword id="6354512" type="General" weightage="20" keywordseo="infosys" source="Orion">Infosys</keyword>, all other top stocks disappointed investors' expectations and were trading lower since then. It is worth noting that at the same time, entire markets were influenced by negative cues from across the globe. Benchmark index Sensex slipped 8% since Diwali, on November 4. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/stock-market/news/how-do-rising-covid-19-cases-lead-to-a-fall-in-markets/articleshow/88385905.cms">Why is the stock market falling so sharply today?</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/startups/news/used-car-marketplace-cars24-has-raised-as-much-as-dream11-this-year-to-set-up-operation-overseas/articleshow/88386057.cms">Used car marketplace Cars24 has raised as much as Dream11 this year to set up operation overseas</a>

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