Health and Fitness Tracking Goes Mainstream

Since September, Jeanette Cajide has armed herself with an Elite heart-rate variability monitor. And a temperature-controlled mattress pad. And a Levels continuous glucose monitor. And an Oura Ring that also measures heart-rate variability along with resting heart rate, respiratory rate and temperature. “Yeah, I’m a little crazy on the devices,” says Ms. Cajide, director of strategy and operations at consulting firm Clareo.

She’s got good reason. After returning to competitive figure skating four years ago, she won a national championship. Then last September, she broke her leg while landing an Axel jump. Ms. Cajide, who is 44 years old, competes again in eight weeks—against many skaters half her age.

She is trying to override nearly two decades as a “sedentary adult,” working in tech and investment banking. “I’m trying to make up for lost time. It’s me against time,” she says. “The sensors and data allow me to optimize for getting the most mileage out of my body.”

There is no escaping the Quantified Self movement. Measuring biomarkers used to be the preoccupation of extreme athletes and extreme geeks. No more.

“I think the attitude is shifting. The seriousness of the pandemic has made people realize that gosh, isn’t it a good idea to have a sensor,” says Michael Snyder, chairman of the department of genetics at Stanford University’s School of Medicine, whose research, among other studies, indicates data from smart watches—alterations in heart rate, steps and sleep—can be used to detect Covid-19 as early as nine days before symptoms.

Until relatively recently, health-minded people were excited to track their steps and heart rate. Now they can perform their own urine and blood tests, conduct body-fat scans and monitor their emotions. Soon they may be able to monitor their rate of aging to take steps to slow it down. Rings, watches, patches and apps that monitor biomarkers have taken off, buoyed by a pandemic that alerted everyone to “underlying conditions” they might not be aware of.

Fitness and tech companies, already adroit marketers, jumped on the opportunity, intriguing people like Ms. Cajide. They “have created this persona of somebody who’s striving and they’ve done a really good job of it,” says Joe Vennare, co-founder of Fitt Insider, which produces a newsletter and podcast and invests in health, wellness and fitness. Fitness-tech startups raised $2.3 billion in 2020, 30% more than the year before, according to market-intelligence firm CB Insights.

People who track their data are constantly sharing online. One recently tweeted a graph comparing her heart rate: “me walking alone, hauling it: 140 bpm vs. me walking normal with my friend: <110 bpm.” Another boasted that since he began wearing a sleep-tracking device, he has averaged 8.25 hours of uninterrupted sleep a night. Another tweeted eight separate graphs of jagged green and blue lines with an ominous question: “Anyone have heart rate or respiratory rate peaks in the night that is DOUBLE their normal value? I don’t know if this is a medical problem or just the measuring device.”

Self-trackers often fixate on factors that might influence their performance. “It’s interesting to look at these things and learn about yourself. They can help you understand things you couldn’t unearth on your own,” says Chris Bailey, co-founder and chief technology officer of startup NatureQuant and an endurance mountain biker. He’s currently testing the Apollo Neuro, which isn’t a tracker, but is considered another bio-hacking device designed to increase heart-rate variability and optimize performance. Worn on the wrist or ankle, it is designed to reduce stress and recalibrate the nervous system using varying-frequency vibrations that can be programmed to make you more alert in boring meetings, focus better during cognitive or athletic activities and recover more quickly after physical exertion. Mr. Bailey’s early verdict: “It’s a little hard to tell. It helps with focus a little bit, maybe, but it’s certainly not something that 2Xes your performance.”

Individuals react differently to caffeine, pasta, late nights—almost everything. Last year, Whoop added a journal to its sleep-tracking app. In the journal, users can log more than 70 behaviors to see how, over time, they might affect sleep and performance. Activities include taking medication like Advil, drinking wine, reading before bed and having sex. In a podcast introducing the change, Whoop executives said users had frequently requested the sex-tracking feature. For some, sex can raise core body temperature which is counterproductive to sleep, the company explained, so you might want to take that into account the night before a big event.

As for alcohol: Not a good idea, according to Whoop. While many people think alcohol helps them sleep better, it disrupts the repair and recovery that is supposed to happen during slumber. It interferes with physically restorative slow-wave sleep and it “crushes” your mentally restorative REM sleep, Emily Capodilupo, now Whoop’s vice president data science and research, explained in a company podcast. It messes with your heart rate, suppresses recovery and increases the chance of injury.

When Ms. Cajide, the figure skater, heard about sleep tracking, she thought it was silly. “I don’t care what happens at night,’” she recalls thinking. Then she learned the significance of heart-rate variability—not heart rate, which is beats per minute—but the variance in the length of time between heart beats. HRV is a key indicator of how fit, recovered and ready you are to perform, and can be greatly affected by the quality of your sleep. “I went down the rabbit hole,” she says.

Now she wears a continuous glucose monitor—a patch attached to the underside of her arm. Its data displays on her phone, telling her what foods are spiking her glucose and how efficiently she is managing her energy. She programs the temperature of her mattress pad to gradually fall to 62 degrees in the middle of the night, to bring down core body temperature and thus positively influence her heart rate and HRV. So far it has gotten those metrics to their “best points mid-sleep ever,” she says.

She uses her Fitbit as an alarm clock because its vibration doesn’t spike her heart rate and scramble her metrics. Then she checks the data from her Oura Ring and compares it to that of her Elite HRV, “to make sure they’re giving me the same information.”

The information tells her how hard to train—whether she will attempt an Axel, the jump that resulted in her broken leg last fall. Her current program includes two. “On a good recovery day, I’m more comfortable taking risks,” she says. That is crucial because she has only recently recovered but competes again in just eight weeks.

Dr. Snyder at Stanford understands the obsessiveness. He wears four smart watches, two on each wrist, to figure out what variables are the best to measure and “also sometimes one will run out of batteries.” He believes Ms. Cajide’s kind of self-tracking is critical to the future of healthcare, saying, “If people really care about their own health, they are going to have to take charge.”

Wildfires in California have grown more frequent and more catastrophic in recent years, and that’s beginning to reflect in home values, according to a report by the San Francisco Fed released Monday.

The effect on home values has grown over time, and does not appear to be offset by access to insurance. However, “being farther from past fires is associated with a boost in home value of about 2% for homes of average value,” the report said.

In the decade between 2010 and 2020, wildfires lashed 715,000 acres per year on average in California, 81% more than the 1990s. At the same time, the fires destroyed more than 10 times as many structures, with over 4,000 per year damaged by fire in the 2010s, compared with 355 in the 1990s, according to data from the United States Department of Agriculture cited by the report.

That was due in part to a number of particularly large and destructive fires in 2017 and 2018, such as the Camp and Tubbs fires, as well the number of homes built in areas vulnerable to wildfires, per the USDA account.

The Camp fire in 2018 was the most damaging in California by a wide margin, destroying over 18,000 structures, though it wasn’t even in the top 20 of the state’s largest fires by acreage. The Mendocino Complex fire earlier that same year was the largest ever at the time, in terms of area, but has since been eclipsed by even larger fires in 2020 and 2021.

As the threat of wildfires becomes more prevalent, the downward effect on home values has increased. The study compared how wildfires impacted home values before and after 2017, and found that in the latter period studied—from 2018 and 2021—homes farther from a recent wildfire earned a premium of roughly $15,000 to $20,000 over similar homes, about $10,000 more than prior to 2017.

The effect was especially pronounced in the mountainous areas around Los Angeles and the Sierra Nevada mountains, since they were closer to where wildfires burned, per the report.

The study also checked whether insurance was enough to offset the hit to values, but found its effect negligible. That was true for both public and private insurance options, even though private options provide broader coverage than the state’s FAIR Plan, which acts as an insurer of last resort and provides coverage for the structure only, not its contents or other types of damages covered by typical homeowners insurance.

“While having insurance can help mitigate some of the costs associated with fire episodes, our results suggest that insurance does little to improve the adverse effects on property values,” the report said.

While wildfires affect homes across the spectrum of values, many luxury homes in California tend to be located in areas particularly vulnerable to the threat of fire.

“From my experience, the high-end homes tend to be up in the hills,” said Ari Weintrub, a real estate agent with Sotheby’s in Los Angeles. “It’s up and removed from down below.”

That puts them in exposed, vegetated areas where brush or forest fires are a hazard, he said.

While the effect of wildfire risk on home values is minimal for now, it could grow over time, the report warns. “This pattern may become stronger in years to come if residential construction continues to expand into areas with higher fire risk and if trends in wildfire severity continue.”

Health and Fitness Tracking Goes Mainstream

Self-tracking has moved beyond professional athletes and data geeks.

Report by the San Francisco Fed shows small increase in premiums for properties further away from the sites of recent fires