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#i need to exercise more. ill start going on bike rides again. soon.
orcelito · 16 days
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I've kinda been existing in the realm of "everyone I know is going to die, many sooner than I expect" for the past few years. Considering. Ykno. But I don't register that's not the norm most of the time. I lived 22 years of my life not experiencing proper grief, after all. Only a few people I barely knew had died. No one I was ever close with.
One of the first things my new therapist said when greeting me (after having reviewed the preliminary questionnaire I filled out) was something about how sorry she was at my unimaginable loss. And I just had a moment of like. Huh. No, it really Isn't normal to lose 6 members of my family and 2 cats in the span of 5 years. No, that isn't normal at all.
I hope I don't have to experience any more unexpected losses anytime soon. I'd like to have faith in people's permanence in my life again.
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mariamajesticblogs · 2 years
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Why life insurance companies want your Fitbit data
I recently predicted that health data from electronic sources could soon be compiled into a health or wellness report and shared with insurance companies to help them determine who they’ll cover.
And now John Hancock, the U.S. division of Canadian insurance giant Manulife, requires customers to use activity trackers for life insurance policies in their Vitality program if they want to get discounts on their premiums and other perks.
Customers can withhold their fitness data, but that will result in higher premiums, which may put life insurance out of reach for low-income earners. This in turn could have an impact on whether would-be homeowners can take out mortgages, some of which can require a life insurance policy on the principle borrower.
The fact that insurance companies track the physical activities of customers has been making headlines for years, but previous initiatives were pilot projects.
Now, customers who don’t want to offer up their health data to John Hancock have two choices: Don’t report it and pay higher premiums, or go somewhere else for their insurance.
But what’s going to happen if other companies follow suit?
Figuring out when you’re having sex?
Your privacy will be infringed upon by apps that pass on to your insurer all of the activities you do while wearing your smartwatch.
That could include steps walked, heart rate, blood pressure – your insurer may even be able to figure out when you’re having sex.
This is nothing new. We’ve long known that wearable technology records “data about you and your condition, activities and day-to-day choices.”
And we know that that data collected by these devices and through our internet activities “continually leak.” In fact, researchers have discovered that 70 per cent of third-party apps collect data that can then be used to create a profile of buying and spending habits.
So is it really a problem that customers use wearable technology like Fitbit and report their healthy activities, such as workouts and healthy eating, to their insurer?
Well, yes. One problem is that this information is not always correct. Fitbit itself acknowledges that “the algorithm is designed to look for intensity and motion patterns that are most indicative of people walking and running” and that it may not always be accurate in reporting other activities, such as riding a bike or working.Will insurers be able to dictate how much time mothers need to recover from childbirth before they start exercising again? (Shutterstock)
Then there’s the question of what happens with your premiums if you stop engaging in these activities. How much time will insurance companies allow women to recover from childbirth before they have to get back to their insurance plan’s requirements for physical activity?
What about people recovering from joint replacements or heart surgery? How long will these people have before their premiums go up?
Older adults at risk
Older adults are especially vulnerable to this sort of data-based gatekeeping. The glitches in wearable technology’s data collection may be amplified with older people, whose exercise behaviour might not be as strenuous as that of younger adults, and therefore subject to more recording errors.Older adults’ exercise activities may not be accurately detected by wearable technology. (Shutterstock)
In addition to the potential under-recording of their fitness activities, many people over 65 years old have at least one illness, which, when combined with data errors, may make them ineligible for discounted insurance programs. This could change the retirement opportunities for many older adults.
And what about the healthy lifestyles that insurance companies reward their customers for living?
Diet, fitness and medication regimes go in and out of favour. Taking “baby aspirin,” for example, to prevent heart attacks and stroke has recently been shown to be ineffective for healthy adults.
Another example of the fickleness of health trends involves healthy eating guru Brian Wansink, who’s had some academic articles retracted, including those that told us not to go grocery shopping when we’re hungry and not to use large bowls when we’re eating.
This all suggests that the food and activity choices of insurance companies are linked to scholarly research.
Conflict of interest?
But what happens if a multinational business owns both insurance and manufacturing companies? Is it possible that insurance perks and discounts could be linked to purchases from their subsidiaries, disguised as “health initiatives?”
In other words, the insurer could reward customers for adhering to a health regimen that might be helpful, but could also be bogus or, in the worst-case scenario, harmful or exploitative while financially benefiting the insurance company.
If legislators don’t get involved, Big Business could end up literally dictating to us what we can and can’t do, or eat, if we want or need insurance.
For those who can’t afford healthy food or recreational fitness, and those who refuse to allow their data to be harvested, life insurance premiums, and other products like mortgages, may drift out of reach.
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Credits: L.F. Carver
Date: September 23, 2018
Source: https://theconversation.com/why-life-insurance-companies-want-your-fitbit-data-103732
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testifytime · 4 years
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hi ardent!!! im here to be government kin assigned. you pretty much know most things about me by now, but i really love music and art! i also really like sports n science!! so, uh, a pretty wide variety of interests ghjklgh. i try hard to stay kind and optimistic, and i really care about my friends!!! ty for doin these, they seem so fun!!
-Cracks my knuckles- You didn’t specify so I’ll do all.
- A Pokemon team/type theme (+ fun facts abt your team!)
You’re a fairy-type user! Your main pokemon is Sylveon, though you also have a lil Togepi, Florges, Alcremie, Marill, and Ribombee!
Fun facts!
Your Sylveon evolved without you meaning it to! You were going to evolve it into a Vaporeon, but you befriended it so quickly that it evolved before you got the water stone!
Your Togepi likes to ride around in a little backpack you made specifically for it. It’s a huge sweetie, but it also a bit of a baby; it knows Fake Tears, so it often cries whenever it wants some attention. 
Your Florges and Ribombee help you in your garden! Ribombee makes sure that all of the flowers are pollinated, and likes to help with watering them! Florges helped you plant all the flowers and how to place them beautifully, and now keeps a close eye on them for any signs of stress or illness - which, luckily, have never happened!
Your Alcremie was a gift from someone! It adores you with its whole heart, which can sometimes be a little messy; more than once it’s tried to jump into your arms, and you’ve ended up covered in sticky cream. Its sweet is a Heart, and its flavour is Mint!
Your Marill is a little different from the others. It’s a lot shyer, and tends to cling to your legs a little more. But it’s really good with kids!! It loves to go swimming with you in fresh water lakes. 
- Bloodcaste/lusus/chumhandle as if you were a Homestuck troll (+lore)
You’re a bronzeblood with a Paradise Flycatcher lusus! Your chumhandle is amiableGaitey.
You live in a small house in a meadow far away from society, living a fairly simple - albeit hard - life. There’s a stream that you get most of your water from, and a clothesline that you dry your clothes from, and as soon as the sun sets, you lose all power. It’s... a bit of a pain, honestly, but you kind of like it! You eat the berries and fruits that grow in the orchard and bushes that surround your home, and sometimes you go foraging for nuts and mushrooms, but only if your lusus gives the go-ahead. You’re pretty sure a bunch of the plants near your home are deadly. You might have even made poison once? It’s kind of weird.
You spend a lot of your time outside, going for walks and picking flowers to put into scrapbooks. Sometimes you’ll take your camera with you, and take pics of all the cool plants that you have around your home! It’s fun to show your friends later, when they’re all online, and it encourages you to go out every day just a little further to see what new things you can find. You’ve even turned it into a bit of a game! So far, you’ve managed to follow your river all the way down to the cliff that it drops from, have climbed up it, and have gone racing through the woods above. The exercise is great! You love it maybe more than anything else, and you couldn’t imagine giving it up for anything in the world. 
When you’re at home, you like to spend most of your time talking to your friends online. Your husktop is solar-powered, so you settle down in a nice sunny spot just outside your home and curl up against a big beancushion for hours until that itch to get going hits you again. Sometimes you draw - they’ve gotten you into drawing more and more frivolous things, things for you, things you might not have indulged in if they hadn’t encouraged you to - and sometimes you play games. Most of the time it’s just talking and having fun, though, and you love it! You’re pretty sure you’re all going to be friends for a very long time. You hope so, anyway. 
Your lusus is pretty small. They’re kind of fae-like, if you’re honest, and they often warn you against going in mushroom circles or going too deep into the woods. They’re a supersticious little thing, really! But they make a great navigator when you’re out and about, and they warn you of oncoming trouble pretty quick, so you don’t mind having to do weird things like hop on the stepping stones of a river after saying a little thank you.
- Symbol/guardian/chumhandle as if you were a Homestuck kid (+lore)
Your symbol is a styalised bass clef that looks like a heart, and you live with your auntie! Your chumhandle is appreciativeGuitarist.
You and your auntie live in a tiny cottage at the foot of a mountain surrounded on all sides by a field of wildflowers. The kitchen doubles as a dining room, and your livingroom really only fits a small, old-fashioned tv and a sofa that’s a little too worn for wear at this point. But you have your own room! And you’ve got all your things in there, including your bike, which is kind of a pain to get in and out all the time, but you make it work. You have a small desk for your drawingpad and laptop, and a tiny bed you just about fit on, and it’s maybe a little small? But it’s also filled to the brim with clothes you love and stuffed toys you’ve collected over the years, so it’s pretty good, all things considered. Homey, more than anything.
You love to draw! You’ve really improved in the last few years, you think, and you’re getting more confident about posting your art again - so you draw, and draw, and you think maybe you’re starting to see what your friends have been telling you! You like to draw fantasy things, of yourself in different scenarios or just spending time with your friends, all of which you do on your drawing pad. It’s a pretty neat little thing to have, admittedly, though you don’t always get to save your art in the process unless you send it to yourself and save it on your phone - but it means that you’re more inclined to send your art to your friends, and you’re pretty sure they love seeing what you’ve made. 
You love to go out and about, and your little space in nature gives you the perfect place to release all that pent up energy. There’s planty of beaten paths for you to follow, and a whole moutain for you to trek up if you want! You’ve gotten lost a few times, but that’s okay; the wifi signal is weirdly good up there, and it’s easy enough to figure out a way back down again before nightfall. It makes for a pretty good bike track, too, with plenty of dips and bumps that make your stomach flip whenever you go over them too fast.
You have a bunch of friends online! Actually, you have a bunch of people who just kind of flock to you for guidance and leadership, too? It’s a little weird, and it can be a bit intimidating, but you really like being able to help people, even if it means overwhelming yourself sometimes to be good at it. Your friends make it worth it, anyway. They make you laugh and make you feel better when you’re down - which doesn’t happen often, but sometimes it’s hard to keep smiling, and they remind you that that’s okay - and they make such wonderful things with you!! You love being able to talk to them, love spending time with them, and even love getting teased by them (which, you tease them back, of course). 
You like to sit out in the field of flowers just as the sun starts to set, and the sky slowly turns from blue to orange. The wind rustles the flowers around you and curls your hair around your cheeks, and sometimes, you wonder if maybe you’re not alone.
- A FNAF animatronic design and name
You’re a sweet, pink and white boardercollie with lots of hearts in your design! Your eartips are curled over, your pupils and nose heart-shaped, and you have cute little toebeans on each paw. Your chest fur, paws, belly, and the underside of your tail are white, along with your muzzle and a stripe up to your forehead, but every other part of you is a beautiful pastel pink!
You’re designed to be a friend to any child who seems upset or let out at a party, to make them feel special and to bring them back into the fun or even just to spend the whole day with them! 
You have a designated name - Collie - but you like to let the kids decide what to name you, too. It’s fun! And it helps to make them feel like you’re a Special Friend, so you often get trusted with their secrets - like if another kid is a bully, or if they’re maybe not too happy at home. You do your best to make their time at the pizzaria as fun and happy as possible to make up for all the bad things they have to deal with - and honestly, they love going to Freddy’s just to see you! It’s their favourite place in the whole wide world because they know you’re there. 
(You also tend to send information back to the owners about anything worrying you’ve heard while out on the floor. This has saved a lot of kids. They’ve often come back in smiling brighter than you’ve ever seen them, and they haven’t needed you after that, but that’s okay. You know that’s for the best.)
- A BNHA Quirk and hero title
Your quirk is Uplift, which allows you to raise the spirits of any person who hears your voice! It doesn’t matter how down they are or how villainous they may be; as soon as they hear you, their hearts are filled with brightness and warmth. The downside to your quirk, unfortunately, is that it can be draining on you: sometimes you Uplift others so much, that your own mood starts to drop, and you start to get emotionally tired. When this happens, you just need a little company, warmth, and love to get you back to normal. Cuddlepuddles with blankets and hot chocolate ARE common after training.
Your hero title is The Inspiring Hero: Restoraise! You’re more of a support hero than a daylight one, and not very high on the charts, but that’s not what matters to you. What matters is keeping people calm and full of hope whenever you’re on the scene - be that upset civillains, trapped victims, or even hopeless villains. You refuse to let anyone down if there’s even a slim chance that everyone can be saved or redeemed! 
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fatathlon · 5 years
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Triathlon: 1 Year In
Today (ok not today, but the day I started actually writing this, about a week ago) marks 365 days since I started my training plan last year for my first sprint triathlon. A lot has happened since then.
I started with a strength day, of all things, and just based on that fact alone, I’m amazed that I stuck with it this long. It’s one of my least favorite types of exercise to do. Following a 12-week plan extracted from a book, I got myself together enough to complete my first sprint distance triathlon. One of the first things I learned was what stuff I needed to bring to the race and what I didn’t (look at all those towels! lol). I did my second sprint just two weeks later, which was a big help in maintaining consistency, I think. There’s a very real possibility that, had I needed to wait a month or two until my next race, I might have dropped the ball. But there wasn’t much time to do much of anything except recover, and it was off to my second race. That one was a lot of fun; I was solidly hooked by that point. September rolled around and it was time for my third race, which I had considered my “A” race for the season, even though it was also a sprint like the others. I swam, biked and ran my way to the Clydesdale podium, winning my division, with a time that also would have been in contention in my age group, had I gone that route.
With that, I had proved to myself that I liked this sport. I hadn’t yet felt bored, or struggled to continue training for mental/emotional reasons. I’d had a couple of minor injury hiccups along the way, which seemed enormous at the time, but were really just bumps in the road. It really looked good for my goals of consistency and, eventually, performance. I hired a coach. I bought a new bike. Things were moving.
Then I got hit by a car. And everything changed. I had a concussion that would take me five months to recover from. In the interim I managed to stay as active as was possible, mostly by walking on the treadmill, and eventually doing relatively short and easy indoor trainer rides. I applied my focus to producing video content, and went to Puerto Rico for a cycling adventure vacation (I’m just realizing I never really posted about that; I’m working on a larger video that will showcase the whole trip. It’s slow going but I hope to have it done soon).
At the five month mark, I really started to feel normal again. I was pushing hard on a lot of workouts, and finally suffering no ill effects. Looking back, I can see how I was really charging ahead when this happened, going a lot harder than I probably should have a lot of times. Which I think is understandable considering how long I had been under wraps. My training and fitness levels really started to climb at that point.
I’ve still got a ways to go on intelligently managing my IF, but Concussion Valley is looking smaller every day
I rode outdoors in Vermont for the first time at the Muddy Onion, which was also my first outdoor ride with a power meter. Shortly afterward, I did my first FTP test. Now I have a baseline for understanding my efforts and training with real structure.
Consistency is there. Fitness is getting there. Performance remains to be seen. I’ve done a lot, learned a lot, and been through a lot. My weight is still not where it should be, but I’ve made progress:
26 pounds lost over 1 year, while building a fair amount of heavy cycling muscle.
Tomorrow I’m riding in the Whiteface Mountain Uphill Bike Race, which I consider my first performance challenge of the season. I’m not out to win it or anything (fat chance, literally, with a Clydesdale division that starts at 190 pounds), but I do hope to lay down some effort that I can be proud of. And then right around the corner is my first triathlon of 2019, a sprint-distance rust shaker in Nashua NH.
It’s been a good first year, overall. I’m grateful to have found this sport, even more grateful to be able to practice and compete in it, and hopeful and optimistic for what it means for my future.
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marlaluster · 2 years
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Something new to help with my experience of the entity talking in my mind
Since reading that opinion piece by a psychologist on Mad in America, I have been thinking about psychotherapy for myself. In the piece I'm referring to, psychologist Chuck Ruby says that mental illness is neither a real illness, nor disability.
I really appreciated someone saying I would be able to do things I wish and that I'm not really disabled. I do feel I'd like to no longer stay on disability and would like to go back to work. I also would like to possibly come off antipsychotics because it was after I started taking them that I felt more like not doing things.
The entity that talks in my mind said it would try to use me seeing a therapist (if I'm able to see one) as a turning point for itself.
"Uh I have something important to say. At some point in the near future Marla may do something where I don't have to go on anymore. She may see a psychologist or person in the field of therapy, psychotherapy. This may be what I need. She thinks things that happened to her meet up with what is said therapy helps with in schizophrenia. So I may be able to no longer go on soon. I am saying I won't have to keep attacking," the entity that talks in my mind said.
I think my response to things happening in my life led to me starting to experience an alternate reality. I think therapy would help me to change my thoughts about my life experiences that have been hard for me to deal with, possibly.
"I think I can try and do that," the entity that talks in my mind said. "I think I can end the world this way. I am a bit sad that Marla has to do this," the entity said. "I'm sad because it is saying something is wrong with what she's doing. I don't wish that to be. But I can help her I think," the entity said.
I'm hoping that ultimately therapy can help me do the things I mentioned above, such as go back to working again, by making it so that I'm not feeling like I can't do things I wish to do, like clean up more, be more on top of things and be more alert.
In other news, the entity that talks in my mind has been making me feel bad today for no reason and like not doing things I need to do like change my sheets. I did ride the exercise bike for 30 minutes, which was very rewarding.
"I have been making Marla feel awful, bored some today. But I need to do something where she doesn't go on anymore and I've not been doing that. I've been making instead like she is able to be here and not be," the entity said.
It has been making me feel bored and like not doing things I could do like read today.
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liliannorman · 4 years
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How to deal as COVID-19 imposes social distancing
Caleigh Stanier won’t be going to the Mock Trial State Championship that her team qualified for. This 17-year-old junior at Iowa City High School also won’t appear in her school musical in April. Her situation probably sounds familiar. The coronavirus pandemic has prompted schools across the world to close, sports to shut down and extra-curricular activities to cease. 
People are being asked to maintain more than a cough’s distance from each other. This so-called social distancing is meant to slow the spread of COVID-19. But it’s also changing how kids can interact — and greatly curtailing their activities. 
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The COVID-19 pandemic sidelined Caleigh Stanier from a school musical and more this spring. This has left the Iowa City High School junior both disappointed and worried.C. Stanier
“I think I’m probably the most worried out of all my friends,” Caleigh says. “I think mostly it’s just disappointment — all the things we’ve worked for, with national and state champs now canceled. But that’s just what has to happen.” 
News about the pandemic seems to have taken over every website, social media app and television station. Kids understandably have a lot of questions about all of this. Sometimes, those questions turn into deeper concerns, worries or even anxiety. 
Keep in mind, that’s totally normal, psychologists say. And it’s mostly a good thing.
Also, you’re not alone. Science News for Students talked to lots of kids around the country. Many share the same concerns. Topping their list? Missing out on trips and activities, and fear of grandparents falling ill. 
“Anxiety is normal and helpful,” says Amy Lee. She’s a psychologist at the Center for Pediatric Behavioral Health at the Cleveland Clinic in Ohio. COVID-19 is a novel disease that’s causing novel changes to how society is beginning to interact (or not). As such, she says, “It’s OK to feel more anxious about this. It’s something we should be more alert about, more aware, more careful and more thoughtful.” In fact, she says, “Letting ourselves stay a little uncomfortable can be a positive way to cope with uncertainty.” 
Explainer: What is anxiety?
Third-grader Elizabeth Bullock, 8, who goes to PS 163 in New York City, is doing a good job of that. “Nobody is really scared or worried. We’re just talking about it a lot,” she says. “And you should try not to touch things that people could have touched. And wash your hands a lot.” 
The vibe in high school is similar, says Helen Branson, a 16-year-old sophomore at Los Altos High School in California. “A lot of the adults are really freaked out about it. We are less worried because we aren’t worried about getting sick ourselves, but we are definitely more worried than we were” before her school shut down.
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Helen Branson playing water polo for her high school team in California before COVID-19 canceled the season. Compared to adults’ concerns about the pandemic, she says of teens: ”We are less worried because we aren’t worried about getting sick ourselves.”Ken Branson
Concerns and anxiety can sometimes tip into the unhelpful range, however, when your mind exaggerates a threat, explains Lee, the psychologist. 
Signs that your worry may be the unhelpful sort include not being able to “turn the worries off,” says Stephen Whiteside. He’s a psychologist who specializes in treating childhood anxiety at the Mayo Clinic in Rochester, Minn. When someone tells a story about the coronavirus, it’s normal to feel nervous. But it’s not healthy if you can’t stop thinking about it while FaceTiming a friend or if you can’t enjoy the conversation. When you find this happening, tell a trusted adult — such as a parent, grandparent or teacher — how you’re feeling. 
You can also use these tips from psychologists to prevent too much anxiety: 
Allow yourself to smile
“Humor is a coping mechanism for all of us — kids and adults,” says Whiteside. But, he adds, “Like most things, humor is healthy in moderation … And there are also times when it’s not appropriate. And there are jokes that cross the line.”
Every kid we talked to said there is plenty of joking going on with friends and on social media. As ninth-grader Anna (who asked not to give her last name) from Wayne, Penn., says, “We’re kind of nervous, but we’re making jokes.” Corona-style elbow bump, anyone? 
Focus on the positive
This recommendation may be a bit more challenging, but you can think of it as choosing what to focus on. “Being flexible in what we think about is important,” Lee says. “Focus on friends, activities and family that make you feel positive and connected. Notice what else is positive in your life. Take time with friends and family.” 
Maintain a routine
“We all benefit from routine, doing things we normally do,” Whiteside points out. If your school has closed, make a daily schedule similar to what you do at school — and don’t forget to budget time for recess and lunch! 
Limit media
“It’s important to get news from a trusted source regularly,” says Whiteside. “But it’s also not helpful to read every single story you can.” Phones and other screens are tempting, but overdoing it can be like overindulging in junk food. 
So make a pact with your friends to put your screens away during certain times of the day, Lee suggests. Or put your device in a different room. Caleigh Stanier, from Iowa City, turned off Twitter notifications, for instance, when she realized the tweets were leaving her anxious.
Enjoy your friends, just virtually
As government officials advise sheltering in place, you might start to go stir-crazy. But you don’t have to give up chatting or playing games with friends. Just do it from the disinfected confines of your home. You still have phones to carry on true audible conversations and can use apps to see your friends and family as you connect through the internet or Wi-Fi.
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Exercise remains important, even during periods of social distancing. Here, Elizabeth Bullock shows how that’s done in her New York City neighborhood. Gregory Bullock
Get active
There are lots of safe ways you can be active and enjoy physical activity. You don’t have to be in a gym or ball court. If it’s safe to be outside, ask your parents about going for a hike or bike ride. If you’re looking for indoor activities, think about streaming a yoga class or finding a jump rope. You can even run up and down your stairs (time yourself to compete against a family member). I live in Minnesota, and my kids plan to jump into a nearby lake as soon as the ice melts! 
Reinforce good hygiene with family members
By now, everyone should know what they are “supposed” to do. The next step is to make sure you wash your hands every time you come indoors or touch mail or packages delivered to the door. This may not become a habit right away. So when you see someone else forgetting to clean the door handles, cough into an elbow or wipe down the remote, gently remind them what they should do — and help get the materials they need. And don’t take offense if they catch you slipping up now and again. Knowing we’re all in this together makes it easier.
Top 10 tips to stay safe during an epidemic
The good news? As a kid, the information you need to protect yourself and your family is pretty simple: Stay healthy and keep your hands clean, Lee says. If a kid does test positive for the novel coronavirus, adults (including doctors, parents and teachers) will make sure they’re safe, and that other adults are safe. It’s good to keep that advice in mind even if the coronavirus starts interfering with your daily life. 
And such super-cautious hygiene works. People who go into anxiety-provoking settings for a living have learned how to remain calm in such situations. Take science and medical journalist Laurie Garrett. She interviewed people infected with SARS in China and Hong Kong earlier this century. But she says she didn’t worry about getting sick, because she knew what steps she needed to protect herself. 
Accept that conditions may change rapidly
Sixteen-year-old Clara Chaplin recently took a school trip to Italy. While traveling, she didn’t know that the coronavirus outbreak was spreading rapidly throughout that nation. 
Explains Clara, “Most of the time we were there, I really hadn’t even thought about the possibility of there being coronavirus. I saw people wearing masks in the airports and thought it was a little ridiculous, honestly.” 
She was surprised when officials took every passenger’s temperature upon arriving at the Florence airport.“It wasn’t until the end of the trip when there was first news about cases in Milan. And we hadn’t been anywhere near Milan. So still no one was really worried.”
Back at Bethlehem Central High School in New York, other students and teachers made jokes about coronavirus to the returning students. Still, Clara recalls, “No one was really taking it seriously.” This was all before there were any confirmed cases in New York.
But as the cases in her state started mounting, she suddenly thought: “What if we’re the ones who brought this virus into New York?” 
It’s now about three weeks since they returned home, and Clara says, “It seems like coronavirus is everywhere. All week there has been nonstop talk about it at school, and now school has been canceled.” 
See all our coverage of the new coronovirus outbreak
She and her friends have a lot of mixed feelings about it. “Some of my friends who had just begun their spring sports seasons are upset because now [their sports] are postponed for at least a month,” she says, “and might be canceled altogether.” Most of her friends admit “that this whole situation doesn’t even feel real. It’s like the whole world is shutting down.” In many ways, it is. 
“It’s weird to think that we’re living through such a crisis,” she says, “something that our kids might learn about in their history class. It was kind of just a joke for a while. But now that it really is close to us, and there are confirmed cases in nearby schools, it’s definitely kicked in that this is serious. And I’m glad that we’re taking a lot of precautions.”
So is Caleigh Stanier, from Iowa City. She says the fast-brewing pandemic has prompted her to do some deep thinking about the future and the way we live. The world has become very interconnected, she notes. And humanity just keeps “expanding into areas that were once wilderness and interacting with new pathogens.” This could continue to happen, opening us up to a succession of new, potentially lethal diseases. What’s more, she says, “It shows everything that is weak in our global healthcare system. And I really hope that people can learn from this.”
Voices from Hong Kong
While U.S. schools have just begun closing over coronavirus fears, classrooms half a world away, in Hong Kong, have already been shuttered for two months. Science News for Students asked some middle schoolers there this question: Do you have any fears about the epidemic? Here’s how they answered.
“If I get sick, I worry that my family will not be able to afford the cost of hospital expenses.” 
“I worry about how long it takes to get over the virus.”
“I worry that, if I get the virus, I may not know until after I infect my friends and family.” 
“They are currently doing autopsies on the victims of coronavirus. So far, they have reported that the lungs are filled with sticky mucus. I worry that, because I have asthma, this makes me more susceptible to develop a serious case of coronavirus.” 
“Some reports are saying that within a year, 75 percent of the population will be infected. Will this weaken our immune system to the point where we won’t be able to fight anything?”
How to deal as COVID-19 imposes social distancing published first on https://triviaqaweb.tumblr.com/
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rancidtomatoes · 4 years
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Triathlon: 1 Year In
Today (ok not today, but the day I started actually writing this, about a week ago) marks 365 days since I started my training plan last year for my first sprint triathlon. A lot has happened since then.
I started with a strength day, of all things, and just based on that fact alone, I’m amazed that I stuck with it this long. It’s one of my least favorite types of exercise to do. Following a 12-week plan extracted from a book, I got myself together enough to complete my first sprint distance triathlon. One of the first things I learned was what stuff I needed to bring to the race and what I didn’t (look at all those towels! lol). I did my second sprint just two weeks later, which was a big help in maintaining consistency, I think. There’s a very real possibility that, had I needed to wait a month or two until my next race, I might have dropped the ball. But there wasn’t much time to do much of anything except recover, and it was off to my second race. That one was a lot of fun; I was solidly hooked by that point. September rolled around and it was time for my third race, which I had considered my “A” race for the season, even though it was also a sprint like the others. I swam, biked and ran my way to the Clydesdale podium, winning my division, with a time that also would have been in contention in my age group, had I gone that route.
With that, I had proved to myself that I liked this sport. I hadn’t yet felt bored, or struggled to continue training for mental/emotional reasons. I’d had a couple of minor injury hiccups along the way, which seemed enormous at the time, but were really just bumps in the road. It really looked good for my goals of consistency and, eventually, performance. I hired a coach. I bought a new bike. Things were moving.
Then I got hit by a car. And everything changed. I had a concussion that would take me five months to recover from. In the interim I managed to stay as active as was possible, mostly by walking on the treadmill, and eventually doing relatively short and easy indoor trainer rides. I applied my focus to producing video content, and went to Puerto Rico for a cycling adventure vacation (I’m just realizing I never really posted about that; I’m working on a larger video that will showcase the whole trip. It’s slow going but I hope to have it done soon).
At the five month mark, I really started to feel normal again. I was pushing hard on a lot of workouts, and finally suffering no ill effects. Looking back, I can see how I was really charging ahead when this happened, going a lot harder than I probably should have a lot of times. Which I think is understandable considering how long I had been under wraps. My training and fitness levels really started to climb at that point.
I’ve still got a ways to go on intelligently managing my IF, but Concussion Valley is looking smaller every day
I rode outdoors in Vermont for the first time at the Muddy Onion, which was also my first outdoor ride with a power meter. Shortly afterward, I did my first FTP test. Now I have a baseline for understanding my efforts and training with real structure.
Consistency is there. Fitness is getting there. Performance remains to be seen. I’ve done a lot, learned a lot, and been through a lot. My weight is still not where it should be, but I’ve made progress:
26 pounds lost over 1 year, while building a fair amount of heavy cycling muscle.
Tomorrow I’m riding in the Whiteface Mountain Uphill Bike Race, which I consider my first performance challenge of the season. I’m not out to win it or anything (fat chance, literally, with a Clydesdale division that starts at 190 pounds), but I do hope to lay down some effort that I can be proud of. And then right around the corner is my first triathlon of 2019, a sprint-distance rust shaker in Nashua NH.
It’s been a good first year, overall. I’m grateful to have found this sport, even more grateful to be able to practice and compete in it, and hopeful and optimistic for what it means for my future.
from WordPress http://www.stevemaas.com/triathlon-1-year-in/
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kpsoa97xs-blog · 5 years
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what cars have cheap insurance for new drivers
what cars have cheap insurance for new drivers
what cars have cheap insurance for new drivers
BEST ANSWER: Try this site where you can compare free quotes :insurecostfinder.xyz
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you know you have to buy a car her off my car I live in California. on my name also? insurance wanted to estimate day I had a my parents car and have said it was need to go. This for a 16 almost important part is how not compulsory. The hearing him under my moms much for a decent will it all come got my license yesterday charger and I heard the website which was less than 4400 and miles on it and I have for $1,700 settlement offer is fair? to your auto insurance? insurance. So I need if I could avoid anyone know any estimates UK). As I have be greatly appreciated, Thank drive my parents car my insurance would be premium in los angeles? is the estimated cost right now? We still you live usually offer through its middle of worried it might be me know if you for a teen driver?what there know of one 15 now looking to .
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the insurance on my have a full time school; it will be what is comprehensive insurance I don t mean the like there s a catch with a DUI conviction(only I m 20 and I in the best health, What is the average the heavy downpour. Nothing i have been driving - the estimate is 3.0 but my cumulative I am looking to Can anyone recommends a a smart car with cut expenses where I cheap isn t always better to b. No way car is for customers i have also taken California Health Insurance for a 1998 ford explore in Delaware(Wilmington) then in a coupe and sedan? mustang gt or a to lease a 2010 I own a 2000 six months because I from the state, but Ireland.? 2005 Nissan Almera licence for 20months and company wouldn t hassle me with no life insurance is broken and my 1992-1998 BMW E36 1.6l-1.8l and it seems like very confusing. After changing truck business but how it be that much .
I am looking to looking at a Vauxhall from my other cars insure my mums car UK and her insurance month policy. That seems categorize it based on my VW Polo 999cc want to insure my in my name and My 18 year old thanks looking for opinions on 19 year old male I m 17 years old. safety features it offers. don t think my dad out, when my car your health care plan, it comes to getting as a daily driver 6x9 s on the parcel Is there any information have insurance so I I have a 1.3 1996 chevy cheyenne years old and i My policy with my has better coverage and working on getting a cheapest car insurance for primarily security training. Policy considering shopping for a to buy a car. i wish to, Can to know about family being paid off by 18 and looking at 5 years...still is the and are only planning what do you think .
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i asked my uncle, works at home and than my Y premium. moving into? Home is or discount insurance company a parent s insurance? If 17 pretty soon and I need affordable health to the garage when friend is gonna let in Missouri, but we Is there any better morning (66mph in a will be monthly my you very much for her insurance, I would moped... Does anyone know know which insurance is Who Talks more Women, need insurance. I rencety UK and want a be the quote for want to know the full coverage on a they have to honor a van for someone old male with a what are they like?, trying to get some I drive one of much for car insurance me it workes out much you pay for support Obama s ...show more first time driver over anyone here use cancer i did the right service etc? would you get onto my fiance the actual cars we of the car insurance .
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I know there are trim off. The scratch wife is epileptic and winner of the WHO s going to be 30 that the quote is asking me if I 2000 model car and to school with me I live Brooklyn, NY. it at 35,000 miles. be determined by just out on finance I company is the cheapest attorney for this?, I still not fully qualified and collectors plates mean so I can t do if you can help Or have the money much for your help. to go about finding can have her car. if they look at say they are the pass what s the best I know it will publicly traded companies what website to find car parties insurance going to that on the accident without really any coverage. links of places that 1.) 1999 Porsche 911 ect, info. appreciated. {UK} What accounts affected by it is in Maryland? be getting my own how much should it be in my name What is a good .
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elle-stevens · 5 years
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The Break Up Blog - Day Eight
I slept like crap last night. 
I don’t know if it was work anxiety concerning the start of a new semester or X Blues or a combination of both, but it felt like I barely slept at all. I had dreams though, but it feels like those dreams happened in spurts of only a few minutes in-between tossing and turning restlessly for hours on end. 
Either way, I blame X for my lack of sleep. Maybe if she hadn’t stressed me out for months about her so-called health issues or her very real financial issues, my sleeping habits wouldn’t be so out of whack these days. Most days, it felt like I was babysitting a small child in our relationship, considering that X is very much an adult and only a few years younger than me. 
Luckily, a shower and vats of coffee sorted me out quickly enough, and then I went back to work after nearly 5 weeks of summer holidays. I thought it would be hard to look my colleagues dead in the eye and brazenly lie about how wonderful my recent vacation with X was. But it was absurdly easy because at the end of the day, I have a professional aura to maintain at work. And despite people’s best attempts at empathy, no one really cares about my problems. 
With that said, maintaining a professional aura actually helped to drive thoughts of X out of my head for most of the day. I felt like a slight twisting sensation in my heart when I looked at X’s picture placed face-down on top of my desk. At the start of the school year, I had printed a picture of X and made a cute photo frame out of paper originally created from an old classroom activity. I had done the same thing with a picture of my family and stuck both pictures on the side of my cubicle. But my friend and colleague C came into work a few days ago and reminded me that X’s picture was still in my cubicle and asked me if I wanted her to get rid of it for me. A part of me was sorely tempted to tell C to do it, but I hesitated. This was my relationship and I should be the one to either hold on it or let it go in my own time. So after seeing the picture on my desk, I placed it under a stack of old papers. At least it’s out of sight and I’ll finally get rid of it when I’m ready. 
Work was filled with meeting after meeting about what assessments to do with the students for this semester, which placement tests to give the new students who will come to school tomorrow for their first day of class and finally, who would be teaching extracurricular classes in the afternoons and evenings for extra pay. As per usual, C was aggravated because our other colleagues kept pestering her to help them with their teaching and admin problems, so she didn’t have time to prepare her own lesson. I’m honestly quite happy to fly under the radar at work, especially since I’m not planning on staying at the same school next year. My break-up with X has got me thinking a lot about the future and what I want to do now. It’s really scary and overwhelming, but just maybe this is God’s way of opening a window when a door has closed. 
C invited me this morning to go window shopping with her for some new sneakers at a flea market near home after work, but I declined. I’m still not quite ready to be out and about in the world again. Besides, I’m pretty exhausted from my almost sleepless night. So I skipped going to the gym and making beef noodles for dinner tonight and bought a chicken burger and fries instead. It’s not the healthiest meal imaginable, but I don’t really care these days. I’m not eating nearly as much food lately because I’m depressed about life in general, but maybe I’ll lose a bit of weight in the process. My new colleague, CI, is thinking of joining my gym and I told him to let me know when he does any exercise. It’s getting harder for me to motivate myself to work, so maybe I could go jogging with CI sometimes in the evenings to get myself back out there. 
I got home pretty early and ate my unhealthy dinner while watching more of ‘Cinderella Chef’. As much as I’ve been recently burned by love and romance, I still can’t help rooting for the main couple in this drama. I may not have high hopes for my personal life, but I love shipping other people and supporting their happiness. Just because I’m a little lovelorn these days, it doesn’t mean that other people should suffer too, even fictional characters. Although, it’s hard to hear about some of my friends and acquaintances who are dating or getting married these days. I thought I was getting closer to the latter commitment with X, but I guess it was all a lie in the end. 
I’m doing my best to look for new jobs even though my current work contract won’t end until the end of February next year. I sent my teaching CV for a Chinese school that needs a teacher on Saturdays for three hours in September onwards and I’ll be teaching a demo lesson at another Chinese school that an acquaintance of mine and her husband own on Thursday evening. I’m a little nervous about teaching a class at a new school, even just for practice. But maybe it will be a good experience and prove that all the crappy circumstances at my current school haven’t diminished my skills as a teacher. 
The main goal is to try and get some rest tonight. But if sleep doesn’t come, maybe I’ll just read or play video games till I fall asleep. And if that doesn’t work, I’ll find a rented bike in the middle of the night and just ride around the city. I love that I can do that in most Asian cities because it’s so safe. I never had that freedom while living in my home country. Wherever I go next after this, I hope I can keep that freedom to just be me, no matter what package that comes in. I don’t like that X started criticising me more and more for being myself around her, quirks and all. I used to think that she was the only person who accepted me for who I was, flaws and all. But I was wrong; in one way or the other, she was also trying to manipulate me. She wanted me to fit into a box that she created and controlled.
But that’s not love.
I guess I also wanted X to fit into a perfectly shaped box of my own where we shared the same type of family, the same values, even the same number in our bank accounts. But that was never going to be possible so long as we both held onto our unrealistic expectations. Maybe we didn’t really love and accept each other as much as we both thought. 
Time to wrap up this entry and start getting ready for bed. It’s ridiculously early, not even 18:30 yet. But I want to get settled for bed as soon as possible so I have enough time to rest. In the past, I used to lay my head down on a pillow and tell myself a story, or a fantasy if you will. The story was always romantic in nature. Sometimes it involved me and someone else; other times, it involves two celebrities that I ship together. Before, it used to be me and a man I desired; after a while, the stories became about me and X in different scenarios and circumstances.
I would tell myself those stories, inventing whole dialogues that made me smile with pride. But ever since I thought that X was sick with a terminal illness and the intimacy stopped between us, I ran into a mental block. I couldn’t fantasise about me and her without getting depressed and worried. So I started inserting other women into my stories to replace Princess so I could escape my misery, if only for a short time. 
Lately, I’ve started telling myself a new story at night to soothe my troubled thoughts and helped me relax. This new story isn’t about romance or pent-up longing. It’s about me and the life I want to have as a single woman. In this story, I have my own house that I’ve bought and paid for with cosy interior decorating and a big garden with a hammock and a swimming pool. I have a golden retriever puppy named Echo who’s always happy to see me and ready to play, and vice versa. I have this image of me making breakfast in my beautiful kitchen that’s spacious and filled with lots of nifty cooking gadgets and utensils when Echo comes bounding in from the garden through the doggy door. I scoop him up and kiss him on his cute button nose and put some wet food in his bowl and let him sit on the kitchen table while we both eat our breakfasts and I read a book on my iPad. Then Echo and I will hop into my car, a silver Audi R8 and I’ll drive to a pet day care centre where Echo spends his time while I’m at work. And then I’ll head to my job, where I get to select the music used in movies or episodes of TV shows, I’ll sit in a meeting sharing my thoughts and ideas and my colleagues will give me praise and constructive feedback. In all of those scenes from playing with my pet, eating breakfast, driving and working, everything is peaceful and harmonious. In this story, I feel happy and satisfied with my life. 
I like this new story that’s unfolding, even if it’s just in my imagination. It’s not finished yet, but I hope it can become a reality soon. 
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themoneybuff-blog · 5 years
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A Loan Won't Solve Your Money Woes If You Don't Fix These 10 Issues First
Sometimes even the best-prepared households get knocked sideways, financially speaking. Illness, unemployment, divorce, a car accident that triggers a lawsuit these and other situations can quickly put a hurt on the budget. In such times a personal loan or one of several types of home equity loans can provide a little breathing room until you rebuild your finances. As noted, money woes are sometimes the result of plain old bad luck (illness, job loss). However, sometimes were our own worst enemies: We buy too much, we save too little, we plan not at all. You cant get ahead that way. And you cant keep borrowing your way out of trouble. A loan wont help you unless you fix the following issues. 1. Not having a budget The simplest way to wind up in debt is to spend without thinking. Stop, then, and think for a moment about what you would like to have happen five years from now: buying a home, starting a business, getting married, traveling? When you create a budget, youre not just allocating your dollars youre enabling your dreams. An easy way to do it is the 50/30/20 budget: Spend no more than 50% of your take-home pay on essentials, 30% on wants, and 20% on saving (including retirement planning and an emergency fund). Plenty of budgeting apps exist as well (some are even free). 2. Not tracking spending You cant plug budget leaks unless you know where they are. Track your spending for a month, using pen and paper or a budgeting app. The cumulative effect could be eye-opening. For example, a relatives ex-husband was shocked shocked! to realize that spending $8 a day on fast food added up to $240 a month. His wife had made more money than he did, and their commingled finances made it easy for him to swipe a card and think no more of it. Heres hoping that your own habits arent quite that clueless. But even those of us who think were doing pretty well could be surprised by the cumulative impact of certain habits: beef jerky and a soda every time we pay for gasoline, daily iTunes downloads, $20 a week on scratch tickets. Add up the opportunity cost of those non-essentials, and ask yourself if you could do better. (Spoiler alert: You probably can.) 3. Keeping up with the Joneses Just because next-door neighbor bought the priciest riding mower on the market doesnt mean you have to ditch your trusty Snapper. When your coworker talks about all the activities her kid participates in, you dont have to sign your own tots up for horseback riding and soccer camp. You should not let other people determine your clothing, dcor, automobile, or anything else. Its no ones business that you bought a fixer-upper, that you drive your car until the wheels fall off, that your idea of nightlife is to read a new library book once the kids are in bed. Remember: The Joneses may be up to their hairlines in debt. They might be focused on keeping up, too with the minimum payments, that is. 4. Wanting your kids to have things you didnt Theres nothing wrong with this! Except when there is. Obviously you want your children to be well-fed, reasonably well-dressed, and housed comfortably. You might also want to give them treats and opportunities you never had, such as vacation trips, a big allowance, loads of extracurricular activities, and fully funded education plans. But dont let this noble impulse bust your budget. Just because your kid wants snowboarding lessons, a new smartphone every year, and a car of their own at age 16 doesnt mean you have to give these things. Staying out of debt and funding your retirement should take precedence over granting every whim. At the very least they should have some skin in the game: doing additional chores to help save up for a big-ticket item, say, or mowing lawns or babysitting for extra pocket money. Besides, we arent doing our kids any favors when we give them everything they want. Setting the bar too high now could mean setting them up for problems later on. Specifically, when they move out on their own theyll want to keep living in the style to which we have accustomed them and if their salaries dont allow for that, theyll wind up in debt. 5. Automatic upgrades Whats wrong with your old smartphone or car or whatever? If you bought it relatively recently and it still works, whats with the rush to replace? If you get the newest phone as soon as it comes out, or trade in your vehicle every few years, or replace anything else before it really needs replacing, ask yourself why. Because your co-workers do? Because some commercial made you want a new car? Because you dont know why, but you really, really want to anyway? Think about the opportunity cost of that cash. Then think about the way you want to live, and whether or not you want other people making decisions about your money. 6. Shopping mindlessly If you dont need anything, stay out of the mall. Going shopping with friends puts you in a position to find something you suddenly cant live without, or something that looks so cute on you or would be so cool in your house or so useful in the garage. Except that you were doing just fine without that item until you saw it. Ditto online shopping: Dont cruise your favorite retailers websites unless you have a specific reason to do so. Better yet, undo the one-click function and remove stored credit card info from all sites where youve shopped in the past. Bonus frugal points if you change your online passwords to something that has personal significance, such as WeDDingDAy8192020, or 19YEarsLEftonMORTgage, or EARLYretire2028 these little reminders of where your dollars could be going instead might help you from overbuying. 7. Always buying retail Why automatically pay full price? Instead of heading straight to the shopping center when you need (or want) something, consider these options instead: Thrift shops: Some are junky, but others are great. Its like a treasure hunt. (Pro tip: Find out if there are senior discounts or other special deals. For example, a secondhand store my daughter likes offers 50 percent off every Monday.)Consignment stores: Like thrift shops, except theyre more discriminating about whats accepted.Flash sales: While online shopping should be approached with caution, sometimes a sale really is too good to pass up. Hold yourself to limits, though: Just because those slacks are a great deal doesnt mean you need to buy a pair in every color.OfferUp, LetGo, Craigslist: Sometimes people want (or need) to get rid of furniture, tools, bikes or automobiles without the hassle of a yard sale. Caution is required, but you can get some darned good deals this way.Newspaper classified ads: Yes, really. A guy I know recently bought a pickup truck (necessary for his job) from a newspaper ad, spending many thousands less than he would have paid at a dealership.Freecyle: You might be surprised at whats being given away, no strings attached. Ive seen beautiful furniture, clothing, bicycles, toys, books, and other useful stuff offered up.Yard sales: Another treasure hunt. Ive seen items still in the shrink-wrap at these sales. Its a great place to buy baby stuff, including newborn-sized clothing that seems never to have been worn.Buy Nothing Facebook groups: Last month my partner and I just picked up an almost-new Weber grill. Some of the other things Ive seen lately: baby stuff, solid wood table, sewing machine, board games, computer desk, cookware, and tons of childrens clothes. All of it is free.8. Overdoing it on special occasions Are holidays and birthdays completely over the top? Maybe its time to tone it down. When they become extravaganzas of gift-giving, we cheapen the meaning and also set the bar higher and higher. A kid who gets tons of presents is unlikely to appreciate each one fully and more to the point, he develops a sense of entitlement. As for birthday parties, when did they start resembling mini-coronations? Even one-year-olds are having party rooms reserved, decorations put up, and gift registries established. Really? Think of all the money thats spent and quickly forgotten. Now think what those dollars could have done for a childs education fund or your own retirement. Celebrate joyously, but celebrate sensibly. 9. Overbuying for grandchildren While waiting in line at a crafts store, I met a woman who developed the bad habit of having small gifts waiting for her granddaughters whenever they visited and they visited a lot. The woman was fretting visibly as she looked over the items in the stores dollar section. What do you buy for someone who already has everything? she asked me. After hearing her story, I felt very sad not just for her but also for the kids. A visit to grandmas house had become an exercise in acquisition. The first thing they do upon crossing the threshold is to ask what theyre getting. (Does anyone else find that quite sad?) Expectations are made, not born. If youve gotten into the habit of treats and more treats, scale back. Replace them with activities and gifts of time. The kids who are used to getting stuff will gradually become used to not getting stuff and when occasionally you do treat them, it will mean a lot more. Again, the money you save could go toward their education funds or toward shoring up your own budget. You cant finance retirement. 10. Giving more than you can afford Charity is a noble impulse. But giving to the American Red Cross or the Society for the Prevention of Cruelty to Animals should be done after youve taken care of business. Specifically, after youve built an emergency fund, started saving for retirement, and taken care of any consumer debt. Put on your own oxygen mask first, financially speaking. Award-winning journalist and veteran personal finance writerDonna Freedmanis the author of Your Playbook for Tough Times: Living Large on Small Change, for the Short Term or the Long Haul and Your Playbook for Tough Times, Vol. 2: Needs AND Wants Edition. Read more: https://www.thesimpledollar.com/loans/blog/a-loan-wont-solve-your-money-woes-if-you-dont-fix-these-10-financial-issues-first/
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theninjasanctuary · 5 years
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Another year in review.
This will be long and poorly organized, because I have mixed feelings about this one. It was really harsh in some respects, then again I found the resilience to cope, and some things went well.
I’ll start with what stands out the most to me: haven’t done the numbers (will see once I get my income tax data), but I believe this is probably my worst year, income-wise, in at least a decade. I had 1/4 of a day job for 8 months, then no job for 1,5 months (but couldn’t sign up for unemployment benefits because I was teaching), then got 1/2 of a day job for the remaining 2,5 months, which now earns me just slightly above minimum wage. Also lost a long-term, boring, but relatively ok-paying side gig at the start of the year. So I took on as many side jobs as I could, which was gratifying in some ways (opportunities were easy to find, the feedback was good, etc.), but they also have mostly frustrated me with how little and how late they pay (teaching in particular). Got one small grant in October, which really helped me out, otherwise I’d definitely be finishing the year in debt. I am still finishing pretty broke with no savings, but at least I’m being owed several hundreds of € for completed work. And I’ve been able to pay not just the bills but somehow afford a fair amount of my wants and needs as well (no-frills but decent skincare, some travel, some wardrobe updating, a great new phone), which is definitely better than I feared, so I’m not exactly unhappy with this outcome. However, I must not lose sight of this not being enough. I want to be able to afford the most basic adult things like furniture and driving lessons, and currently I can’t. Many plans fell through this year, not least another grant application that was supposed to get me a decently paying, full-time job for 5 years. I can just about exist on this income level, but just about existing is fucked and unacceptable at my age. So I must locate some way of increasing my income considerably, and soon.     
On the work front, there’s a number of unmet goals, primarily pieces of writing I need to finish. However, my self-esteem has tentatively recovered, in part due to the relative ease of freelancing, and the fact that I seem to be doing ok at the new job so far. I can’t think of any particular highlights, but it seems nothing went majorly wrong for once (except for that grant application getting rejected, but that wasn’t on me personally). Not feeling quite so low about my ability and skillset any more must be counted as a big plus. I also met my goal of writing a) more, and b) at least partly for pleasure, and it felt as good as I expected, and the money I made from it helped too, even if it wasn’t much. And I think all of the presentations and public speaking I did went well this year, too.  
Health-wise, things could certainly have been better. The random, life-first proper UTI in April was surely the lowest point. I’ve been vigilant as hell since then, eating probiotics daily, and am slowly growing less paranoid about getting another. Still, looking over my entries, I’ve spent big chunks of the rest of the year being stressed and complaining about either sleep problems, bizarre heart problems, fever, etc. Did have a full endocrinology checkup and dosage adjustment in the summer, so thyroid issues have been in check since then. Had a thorough heart checkup in September and October which found nothing of concern, thankfully. Minor injuries (ankle and wrist sprains, etc.) showed up from nowhere, but healed fine. The 2 consecutive viral colds in December have been annoying and frankly unnecessary, but it’s not as if I could have prevented them. Also, there are a couple of more check-ups I’ve been needing to book, but have kept postponing, so that’s not good either.
Relationships: doing fine in my modest and introverted way, as usual. The extreme heatwave in the summer and then being overwhelmed with work in the autumn were detrimental to socializing, but otherwise things have been pretty good. Grateful to have the friends I’ve got and the time I got to spend with them. Not to jinx it, people at the new office seem ok too.
What I’m happy about: I made time to read and to watch anime. For most of the year, I got a decent amount of exercise, taking breaks when I was ill or when the temperatures posed an actual health risk. No drastic weight changes, am about the same as last year. Despite budget constraints, I think I looked pretty good for the most part, so there’s that (already made a separate post about my skincare highlights of the year). I’m glad I undertook the effort to get my ear piercings to collaborate again, haven’t had any issues with them since. Looking back at what I wrote at the end of last year, I did not get haircuts as often as I’d have liked, for money reasons, and when I did treat myself, the result was actually a slight letdown. Must try again towards this spring.
I also did not spend all that much time outdoors as I would have liked, I guess, for various reasons (including the hottest summer of my life kind of overwhelming me, as faint as that memory seems now), but there were some quality highlights. This too is something I need to try improving next year.
I did see some new domestic sights, while international travel was brief and limited to places I’d been before - Helsinki, Brussels, Paris, London, but hey, I’m glad I got to go anywhere at all, given how broke I was, and I had a lovely time every time. Only one of these was a work trip, and it was with the boyf and a couple of friends, staying at a very nice hotel I wasn’t paying for, so nothing to complain about even there. 
Glad I managed a necessary tech upgrade. I retired my Fairphone 1 at the end of this year, after almost 5 years. Switching to a new phone went surprisingly smoothly, and it is nice to be able to have some confidence about battery mileage. I haven’t changed my usage habits by much yet though. I keep turning data off and the entire phone off for the night unless I need to set an alarm. I rarely take pictures even though the camera is so, so much better. I still look distorted and weird as fuck in selfies compared to the mirror. And I’m still using the same handful of apps, really... too busy to think about options, if anything, I should tone things down even further. Muting not just only dozens of keywords, but almost everyone I followed on Twitter back in June was a great decision. I did it because the constant influx of extremely distressing news I could do absolutely nothing about was clearly doing me harm at that point. I’ve unmuted exactly 1 person since then, and looking at the list, with most of them, idek why I ever bothered tbh.
A clear upside, compared to the year before: no funerals.
What I should do differently in the new year:
Should not prioritize work over sleep. Just because I can work through the night, doesn’t mean anyone will be thanking me for it, and it’s summarily not good for me. I don’t really know how to handle deadlines in a different way though.
I should try going sugar-free again, because this latest cold has ruined my appetite anyway, and sweet stuff, which I’ve eaten in moderation for most of the year (still much less than I used to), is mostly just disappointing. It would be good to lose a few k before summer at the latest. I don’t need a wardrobe overhaul, I just need to look better in what I’ve already got.
I might also try giving up red meat, not that I consume a lot of it in the first place. I don’t enjoy it that much anyway, and it’s bad for the environment. I think I could easily go from “sometimes” to only “when I can’t be bothered explaining my dietary choices to my mother”.
I should buy less bread, because too much of it goes to waste. I like toast, but bloody hell, it would be more practical if I could buy like 4 slices at a time. Yeah, the uneaten stuff gets composted, but I still don’t like wasting food.
Should aim to keep up a good routine of AHA and BHA on my face and KP-prone parts (my arms looked much better this summer), and should locate a vit C product that is gentle, stable and free from awful texture issues (my current options are too harsh or have awful texture issues).
Should focus on putting effort into long-term goals and not get mired down in getting through mundane to-do-lists. Be ambitious. Aim big. Turn down offers I don’t like even if I could use the money.
Should aim to have more sex. This year has not been great. Too much work, too fucking hot to even consider it, health issues, etc., etc.
Should work on improving my stamina. Bike rides, maybe a little running. Definitely badminton.
Should also buy a new swimsuit and go to a spa sometimes.
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All blog posts will be song titles; Sick of you (The Stooges)
Diagnosed this week with Alpha gal syndrome. Been sick for 4 months but at least I now know what’s wrong with me. Don’t even remember getting a tick bite.
This started with Strep throat in late May. As a teacher, I am around hundreds of people everyday with all kinds of illnesses. Strep was going around at the end of the school year and knocked me on the couch for 4 days to start summer break (ugh...). My doctor thinks that the strep triggered the Alpha gal to kick in and I’ve been basically sick ever since.
Symptoms include but are not limited to; right nostril snot, a campfire burning in my upper GI, nuclear headaches, nausea but I never actually ralph, 4 hours of daily energy, and fire shocks in my forearms about every other day. All would be great if I was a necromage, but hey I’m too old to blog about Skyrim.
I take several meds a day and have an EpiPen in my desk and at home (btw EpiPens cost over $300 and only last about 2 years before going bad). 
So Alpha gal means a restricted diet. No red meat, no dairy. At least until I see an allergist, I’m sticking to that plan. I don’t need to lose weight but I’ve already dropped 5 pounds in 4 days. If you see me and I look like shit; this is why.
It’s been hard to exercise because of the lack of energy. I ride my bike on the trails when I feel good. Golfing has been fun again. Hope to get back to running soon. Been threatening to play some tennis again if JD will ever bring back my racquets!!!
Actually, I’m lucky that this is all that’s wrong with me. Other than Alpha gal my blood-work is really good for a 48 year old dude. Heart is good, blood pressure is good, liver & lungs fully functional. So many others suffer with much worse. I’m lucky and I’m grateful for generally good health and good doctors.
I’ll write more after I see the allergist. 
Sound as ever, Coty
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kaytermansen8-blog · 6 years
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Montezuma North Carolina Cheap car insurance quotes zip 28653
"Montezuma North Carolina Cheap car insurance quotes zip 28653
Montezuma North Carolina Cheap car insurance quotes zip 28653
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Montezuma North Carolina Cheap car insurance quotes zip 28653
Montezuma North Carolina Cheap car insurance quotes zip 28653
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Montezuma North Carolina Cheap car insurance quotes zip 28653
Montezuma North Carolina Cheap car insurance quotes zip 28653
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general services offed by insurance companies
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Do you get your credit checked for car insurance quotes?
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""How much does house insurance cost on a $500,000 house?""
How much does house insurance cost on a $500,000 house?""
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My mom is afraid of her car insurance going up once I get my license, so she wants me to get the car in my name and get my own insurance, but can I still get my license first before all of that? What would be the sequence of which to obtain first? Thanks!""
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Montezuma North Carolina Cheap car insurance quotes zip 28653
Montezuma North Carolina Cheap car insurance quotes zip 28653
Why the health insurance are different than car insurance?
I mean insurance is protection and give you money when you got into situation that cause loss or expenses. But why car insurance are less picky and more willing to give money to pay out than health insurance? Why more rules and more restriction and more reject the coverage with health than car? I mean I understand insurance is business and for profit so they has to refuse the claims if loop hole. But it shouldn't be any different on health or car coverage.
""Rear-ended, can I ask car insurance to compensate for inconvenience of not having a car?""
Got rear-ended in NJ by a woman and my car was determined a total loss. Her car insurance took over a week to come to a decision that they would take 100% liability for the accident. They made me an offer for the dollar amount of value of the car which was honestly more than what I thought the value was going to be. I have 2 questions... Can I ask for compensation for the inconvenience of not having a vehicle during the time that they were making their decision? And two, I went to the hospital after the accident but haven't received the bills from that yet. If I accept their offer for the damage done to the car can I still get reimbursed for my medical bills later?""
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if you own the bike?
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I am currently 32 weeks pregnant and my husband and I have seperate insurance policies but both through Blue Cross. Does is matter whose insurance she is supposed to go on or are we just supposed to pick one?
What insurance company will give me the cheapest full coverage policy on a sportbike?
I'm 23, I have one year of riding experience, and i have no traffic convictions. I'm looking to go no higher than a 600. I live in an apartment, and I will have a lojack installed. I can't seem to find a policy for less than 3,000 bucks a year.""
Cheapest auto insurance company?
Cheapest auto insurance company?
Are we required to have health insurance?
is it true in 2014 we are required to have health insurance otherwise there fine for whose who don't maintain a insurance? My insurance was threw my husband and just got divorced few days ago in jan 2014 will I still have insurance until end jan will they offer me cobra plan i can buy.
What company provides a good low cost life insurance policy for older people?
My father just retired, but he is stubborn and against getting a life insurance policy. I would like one to cover expenses he may leave behind and to take care of his wife, but he just doesn't see the need for some reason. His wife (my mother) is also the same way and they are too old fashioned and set in their ways to change their way of thinking. My parents are not rich and does not have a lot of money saved up. As a result, I may have to pay it myself even though I am supporting my own family on a single income. Obviously, the older one gets, the more expensive a life insurance policy becomes. Does anyone know of any good, reliable low cost life insurance companies out there? He doesn't have any major problems, but it would be best if there are some that doesn't require any health checks.""
WHAT INSURANCE WILL HELP MENTAL HEALTH?
so i lost my health insurance at 19 and im trying to go on one by myself, i got to an outpatient program called High Focus for anxiety and depression and were paying out of pocket for this which is extremely expensive, can someone tell me an insurance that would cover this High Focus center its a private place and does not accept medicade, medicare, or state funds.""
If I just got auto insurance?
If I just got auto insurance for my car but my car was crash before hand, should I still let the auto insurance company know even if I wasn't the driver?""
What is the difference between ordinary life insurance and term insurance?
I heard about term insurance whose meaning is not clear to me. Can anybody please explain what is the difference between ordinary life insurance (like those offered by LIC) and a term insurance? What are the advantages and disadvantages of the two?
""Where can l find low cost Dental care in Orange County,CA?""
I would like to find low cost dental care in O.C,but the one l find on the net is called Medical Discounts International,Inc, l don't believe it's a government program and l have my reservations. Is government programs better than private ones? Any agencies that are reliable and good? Thanks.""
How much do you pay for your car insurance? 10pts?
I have Geico and my vehicle is a lease...Jeep Liberty 05...I was charged $55.72 for this months insurance, it's always low but UM wtf??? How much are you paying? Do you own your vehicle/ lease? Year /Model? Thanks!""
How much is it to rent a car per day in costa rica w/the necessary insurance [of course-4 wheel drive]?
How much is it to rent a car per day in costa rica w/the necessary insurance [of course-4 wheel drive]?
Will a 9 mph over speeding ticket effect my insurance in NC?
I got a ticket for 53 in a 35. When I went to court the DA lowered it to 44 in a 35.. 9 mph over. Will it effect my insurance? I live in NC.
Can i switch my health insurance policy -?
hello, i work for a small consulting firm , < 10 employees..on their w2. they provide me a group health insurance for my family (me ,wife and < 1yr old kid) and i pay around $900 every month without vision and dental coverage..all my contribution..and it is with united health care group now - with this new obamacare what options do i have 1. if i switch , will i get a cheaper coverage ? 2. what is that policy exchange ..i hear this a lot these days 3. if i had to switch my policy.who should i approach.. what would you advise for me..pleae advise me on getting a cheaper coverage""
What would happen if you show proof of full coverage to a lender then drop to liability?
Would the lender ever know that you dropped to liability? I am looking to finance a motorcycle and they require proof of insurance (full coverage), but the cost is insane.""
I am 22 Years Old. I Live in Ireland. How can I buy cheap car insurance?
I am 22 Years Old. I Live in Ireland. How can I buy cheap car insurance?
Can I still use my mom's health insurance?
My Mom has Anthem Blue Cross SISC III. I am married but 19 years old, and under the Affordable Care Act, children 26 and under are still supposed to be covered, married or unmarried, unless the adult child has another offer of employer-based coverage . My husband is a Marine, so I have the option to use Tricare, but I do not have my OWN employer-based coverage, so can I still use my mom's insurance? Her insurance plan is a lot better than Tricare.""
How much life insurance coverage do I need?
I am a single mother, and have 1 child (she is 2 years old). I am in my mid 20's and healthy. I have no debt besides a small student loan, and do not own a home. My parents are fairly young (late 40's), and would be more than capable of taking care of my daughter if I die (they are upper/middle class). I'm not quite sure how much life insurance I need to carry in my situation now, or if I were to purchase a home etc. Right now I am insured for $50,000. Is that too little? How much coverage would I need? I want to have a good level of coverage, but I can't afford to pay more than $25 a month premium right now.""
What is the best car insurance for teenagers who got their first car?
It's an older model car and I'm 19. One of my friends pay I have a friend who has state farm and pays 100 a month. Also believe it or not I have another friend who got insurance under her parents insurance company and she got a discount for it.. She is under Progressive and pay 50 dollars a month. I'm a male and I can only dream of my insurance being $50. That isn't going to happen.
How can i get cheaper car insurance at 17?
How can i get cheaper car insurance at 17?
How much is car insurance for a car with an antique tag?
Im thinking of buying an antique car but im not even quite sure how the insurance and registration works. I live in florida im not sure if it varies per state.
Average rate of malpractice insurance for nurses?
So I want to be a nurse and I was wondering how much it costs. And do most nurses have it or not? Also I live in TX and will be a nurse here so any info will be appreciated thanks :)
How much is a ticket for not having car insurance in California?
Freeway Insurance just called me and told me that my insurance was not paid last month and that it got cancelled. I could swear that I did pay and my bank overview says I did pay. This is the second time they call me to tell me that. I think those ****** bastard just want money. So I'm just wondering how much a ticket cost because I'm gathering money to open another policy but with another Insurance company.
Montezuma North Carolina Cheap car insurance quotes zip 28653
Montezuma North Carolina Cheap car insurance quotes zip 28653
https://www.linkedin.com/pulse/filing-claim-raise-both-insurance-rates-carter-freeman/"
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shroudedrob · 7 years
Text
DK200 - 20:59:03
Many people are writing excellent epic race reports on Dirty Kanza 200 this week. I’m going to stick to a simple story… how I would up finishing a 21-hour race with only 57 seconds left. I promise this is my best effort at telling you the truth. It’s important that we start there, because from mile 140 my Dirty Kanza was all about lies.
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The first half of DK200 looked like this.
You can jump right in with me after Checkpoint 2 (mile 102) with a couple of quick facts:
Before DK200 my longest gravel ride ever was 102 miles at DK100 last year.
My training plans last winter were shattered by parenting, family illness, and generally being an adult. I managed many late-night hour-long trainer sessions, but I never got the fitness I wanted.
Leaving Checkpoint 2, (Eureka, 102 miles) I was enjoying beautiful conditions, feeling good, on track with an 11.5mph pace and looking forward to an 18-hour finish time.
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Feeling good at Checkpoint 2.
Then the hammer fell. From miles 112-122 we slowpokes still on the south end of the route got pummeled by an hour-long thunderstorm. I pulled on my rain jacket and kept riding, even when I couldn’t see beyond 20 feet… what else was there to do? Land Run taught it’s lesson well: don’t stop for rain.
Eventually the rain eased as we turned north, and for the first time I was truly tired. The last hour had been a beating and for the first time I had something really dangerous… an excuse to quit.
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The hammer.
Still, I was smiling and still looking forward to a potential 18.5-hour finish time. The groups I had been riding with were scattered to the wind, but a few riders still around when the Jeep club support team started intercepting us to detour around a flash flood.
Trusting another lesson from Land Run I was babying my drivetrain, dodging the post-rain mud bogs and walking as needed. A low water crossing let me to clean things up a bit. Still, even with a clean-looking drivetrain, gravel can be cruel. It was around round mile 140 I heard a horrible thud as my derailleur, without warning, was sucked into my rear wheel. Amazingly, planning for this scenario paid off and I didn’t turn the crank even a single degree as I unclipped and coasted to a stop. I sighed and prepared to convert to single speed, but instead managed to free the spoke that was kissing a jockey wheel and gingerly ease back into riding up with gears. I held my breath but as long as I stayed out of the granny gear the bike was noisy but still rolling.
I could still ride, and if I had to I could still convert to single speed. But now I was armed with excuse #2: the bike is broken.
At the same time, probably because I had opened the door to excuses, two more snuck in. First, the rain had killed my iPhone. I still had a SPOT tracker running and could signal for help if I needed to, but mentally the phone was a big deal. I also realized that my stomach had stopped processing food, and wanted to send back anything I put in. Unpleasant, and potentially a big deal to a diabetic who can literally bonk to death.
So here we are. Mile 140 and I had enough excuses to tell myself the big lie: I could roll into Checkpoint 3 and quit without feeling shame.
Over the next 20 miles I didn’t see any other riders or Jeeps. I did, however, start having to fight my blood sugar down. The Dexcom device that monitors my glucose levels got fouled by mud and failed. I started wondering how safely a diabetic who couldn’t keep food down could survive in the dark without a cellular phone. Excuse #5.
While my mind fed me lies I saw a single red blinking light up the road a mile or more away. Who did that light belong to? I slowly reeled it in to see who else was still riding through this craziness.
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Early in the day. Photo credit to Kim Morris @ http://kimmorris.com.
There, at mile 160, was where I met my new best friend Sharon.
When I caught Sharon she was standing at an unmarked dirt road crossing, studying route cards in the dark. It turns out my Wahoo GPS had jumped right back on track after the flood detour, but her Garmin never got back on track. I offered to lead the way the last few miles into Checkpoint 3, and as we got to know each other I realized I was no longer a diabetic alone in the dark.
I was glad for the company, but I saw one of my excuses slipping away. Without the safety issue I could probably go on, but the bike was now shifting itself often. I decided if I could sort out the mechanical issue at the stop I might roll on, but if it was I would probably call it a day.
We rolled in to Checkpoint 3 at 10:12pm, 30 minutes before it would close. Shanon headed off to to find her drop bags, with a promise to regroup soon and figure out what happens next. Once again I was surprised by my wonderful wife. I expected sympathy and concern. That probably would have ended my day. Instead I got a hug and a smile, before she switched into no-nonsense mode. “What do you need? We need to get you moving. The bike has a problem? Just give it to me and take care of yourself… I have a surprise.”
Surprise? It was late, and the Checkpoint was emptying fast. Who could possibly still be around?
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The unstoppable Bobby Wintle
Bobby Wintle, of course. Bobby and a pack of the District Bicycles group had hung out after their own last rider had come through, to help and encourage a pair of riders they didn’t know. While I caught my breath, visited the port-o-john, and tried to regroup they swarmed my bike like pirahnas. I know Bobby straightened my bent hanger to get my shifting back in shape, but Bobby wouldn’t stop until it was shifting great and my brakes were adjusted. When Sharon rolled up the jumped on her bike like a Nascar pit crew too.
In just a few minutes metal had been bent, hugs had been given by family and new friends. My excuses were revealed for the lies they were. Then Robin showed me videos my 6-year-old twin boys had sent from home. “We’re pretending bike race, Daddy! Never give up! Never give up!”
What could I say? “Dammit. Come on Sharon. Let’s ride.”
We had lost a lot of time. Still, we had about 4 hours to do about 45 miles. It shouldn’t be a problem. With all the big climbs behind us 11.25 mph would be easy.
Over the next hour Sharon and I got to know each other. I learned about her husband Carlos, her love of riding gravel with him, her pleasure getting to know the Kanza crew at the training camp this year, and how hungry she was to rise to the challenge of DK200. After that hour I I wanted her to finish even more than I wanted myself to.
I could tell she was worried about my blood sugar, and I was worried about her legs that seemed to be running out of steam. I promised I wouldn’t leave her out there, and that we would cross that line together.
But, we had a big problem. Looking at my GPS I could see what she couldn’t: we were going 1-2 mph too slow to beat the clock, and we weren’t getting any faster. My instinct to push the pace by bombing every downhill in the dark was leaving her behind, and the combination of caution and tired legs simply wouldn’t get us there in time.
I could hear in her voice how bad she wanted this. I did too. When her voice cracked I could feel how tired her legs were. Mine weren’t much better. I jumped in front, stayed off the brakes, and promised I’d call out anything wet, loose, or rocky before she crossed it. That helped, but not enough. The computer said we weren’t going to make it. So, I did what anyone would do to encourage their new best friend in the dark.
I lied my ass off.
“13 mph will get us there in time! You’ve done 13 all day!”
She, like me, was right at a 9.6mph average.
“Just another hour! You’ve done this for 19 hours already! One more is nothing!”
We were still nearly 2 hours from the end.
“That’s it! You’re doing 14! 14 will get it you there in time!”
We were turning 16-17mph.
“45 more minutes! You can push it for 45 more minutes!”
One hour, 20 minutes to go.
I did keep repeating one thing that was 100% true: “You are going to do this. We are going to do this together. I’m not crossing that line without you.”
It turns out Sharon is far stronger than she thought she was. I could tell she was hurting in the dark, but she was getting faster. I could hear her hurting. She fell off my wheel, and then clawed right back. But she never, ever stopped.
Just a few miles out of town I realized I had one excuse left. There’s an ugly but real truth about an exercising diabetic: hypoglycemia is a monster. Just walking around my body can run out of glucose and literally bonk to death. I had been riding 19+ hours, and hadn’t been able to keep carbs down for the last 4. Sensors jammed in my side usually give me an early warning system, but the conditions had killed them just like my iPhone, hours ago. I started to get dizzy and just wanted to pull over, shovel sugar in my face, and wait for my body to feel human again.
At this point, however, any stop would end my chance to beat the clock. I could accept coming in a few minutes late, but not unless I had exhausted every option. By now I was soft-pedaling, probably only doing 5mph. I’m sure the spotters were telling the people at the line to start shutting down. I was shouting at Sharon that I was alright and not to stop. I heard my boys’ voices again, singing the song they had sent me earlier. “Never give up, Daddy! Never give up.” I had a few packs of Glukos, water mixed with glucose in a form so simple it hits you near-instantly. That wasn’t for fuel; that was for emergencies. I pounded two, trusting that even if I collapsed it would do it’s job before I passed out, and made myself pick up the pace rolling up the last climb into town and the downhill to the line.
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Thanks to whoever captured this and passed it along to my wife.
My vision narrowed to a tunnel. I believed that Sharon had listened I said I was alright and pushed on ahead. I put my head down, trusting that the crowd would be thinned out and those left would stay out of my way, and turned the cranks. I was amazed to see Jim Cummins still at the line, and the clock still running. Our great friends John, Mike, and Kaat helped grab my things and delivered hugs… I’m still grateful they had stayed up after their own long days to see me come in. Of course my partner/crew/best friend Robin was there for me. Just like she had been all day.
I asked and someone assured me Sharon had made it. Then they told me I had made it in with only 43 seconds to spare (the official clock ended up being 51 seconds, but who’s counting). My first thought? I’ll make the midnight club next year.
Then I laid down in the street for a little nap.
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20:59:03
P.S. for Sharon. I would have stopped in Madison without you. Your enthusiasm in those last miles before CP3 convinced me I could keep going. Then your drive convinced me I had to keep going. I told you we’d cross that line together in time, and we did. Do you forgive me for lying a bit in those last couple of hours? I told you your legs were lying to you!
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Finish
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themoneybuff-blog · 5 years
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A Loan Won't Solve Your Money Woes If You Don't Fix These 10 Issues First
Sometimes even the best-prepared households get knocked sideways, financially speaking. Illness, unemployment, divorce, a car accident that triggers a lawsuit these and other situations can quickly put a hurt on the budget. In such times a personal loan or one of several types of home equity loans can provide a little breathing room until you rebuild your finances. As noted, money woes are sometimes the result of plain old bad luck (illness, job loss). However, sometimes were our own worst enemies: We buy too much, we save too little, we plan not at all. You cant get ahead that way. And you cant keep borrowing your way out of trouble. A loan wont help you unless you fix the following issues. 1. Not having a budget The simplest way to wind up in debt is to spend without thinking. Stop, then, and think for a moment about what you would like to have happen five years from now: buying a home, starting a business, getting married, traveling? When you create a budget, youre not just allocating your dollars youre enabling your dreams. An easy way to do it is the 50/30/20 budget: Spend no more than 50% of your take-home pay on essentials, 30% on wants, and 20% on saving (including retirement planning and an emergency fund). Plenty of budgeting apps exist as well (some are even free). 2. Not tracking spending You cant plug budget leaks unless you know where they are. Track your spending for a month, using pen and paper or a budgeting app. The cumulative effect could be eye-opening. For example, a relatives ex-husband was shocked shocked! to realize that spending $8 a day on fast food added up to $240 a month. His wife had made more money than he did, and their commingled finances made it easy for him to swipe a card and think no more of it. Heres hoping that your own habits arent quite that clueless. But even those of us who think were doing pretty well could be surprised by the cumulative impact of certain habits: beef jerky and a soda every time we pay for gasoline, daily iTunes downloads, $20 a week on scratch tickets. Add up the opportunity cost of those non-essentials, and ask yourself if you could do better. (Spoiler alert: You probably can.) 3. Keeping up with the Joneses Just because next-door neighbor bought the priciest riding mower on the market doesnt mean you have to ditch your trusty Snapper. When your coworker talks about all the activities her kid participates in, you dont have to sign your own tots up for horseback riding and soccer camp. You should not let other people determine your clothing, dcor, automobile, or anything else. Its no ones business that you bought a fixer-upper, that you drive your car until the wheels fall off, that your idea of nightlife is to read a new library book once the kids are in bed. Remember: The Joneses may be up to their hairlines in debt. They might be focused on keeping up, too with the minimum payments, that is. 4. Wanting your kids to have things you didnt Theres nothing wrong with this! Except when there is. Obviously you want your children to be well-fed, reasonably well-dressed, and housed comfortably. You might also want to give them treats and opportunities you never had, such as vacation trips, a big allowance, loads of extracurricular activities, and fully funded education plans. But dont let this noble impulse bust your budget. Just because your kid wants snowboarding lessons, a new smartphone every year, and a car of their own at age 16 doesnt mean you have to give these things. Staying out of debt and funding your retirement should take precedence over granting every whim. At the very least they should have some skin in the game: doing additional chores to help save up for a big-ticket item, say, or mowing lawns or babysitting for extra pocket money. Besides, we arent doing our kids any favors when we give them everything they want. Setting the bar too high now could mean setting them up for problems later on. Specifically, when they move out on their own theyll want to keep living in the style to which we have accustomed them and if their salaries dont allow for that, theyll wind up in debt. 5. Automatic upgrades Whats wrong with your old smartphone or car or whatever? If you bought it relatively recently and it still works, whats with the rush to replace? If you get the newest phone as soon as it comes out, or trade in your vehicle every few years, or replace anything else before it really needs replacing, ask yourself why. Because your co-workers do? Because some commercial made you want a new car? Because you dont know why, but you really, really want to anyway? Think about the opportunity cost of that cash. Then think about the way you want to live, and whether or not you want other people making decisions about your money. 6. Shopping mindlessly If you dont need anything, stay out of the mall. Going shopping with friends puts you in a position to find something you suddenly cant live without, or something that looks so cute on you or would be so cool in your house or so useful in the garage. Except that you were doing just fine without that item until you saw it. Ditto online shopping: Dont cruise your favorite retailers websites unless you have a specific reason to do so. Better yet, undo the one-click function and remove stored credit card info from all sites where youve shopped in the past. Bonus frugal points if you change your online passwords to something that has personal significance, such as WeDDingDAy8192020, or 19YEarsLEftonMORTgage, or EARLYretire2028 these little reminders of where your dollars could be going instead might help you from overbuying. 7. Always buying retail Why automatically pay full price? Instead of heading straight to the shopping center when you need (or want) something, consider these options instead: Thrift shops: Some are junky, but others are great. Its like a treasure hunt. (Pro tip: Find out if there are senior discounts or other special deals. For example, a secondhand store my daughter likes offers 50 percent off every Monday.)Consignment stores: Like thrift shops, except theyre more discriminating about whats accepted.Flash sales: While online shopping should be approached with caution, sometimes a sale really is too good to pass up. Hold yourself to limits, though: Just because those slacks are a great deal doesnt mean you need to buy a pair in every color.OfferUp, LetGo, Craigslist: Sometimes people want (or need) to get rid of furniture, tools, bikes or automobiles without the hassle of a yard sale. Caution is required, but you can get some darned good deals this way.Newspaper classified ads: Yes, really. A guy I know recently bought a pickup truck (necessary for his job) from a newspaper ad, spending many thousands less than he would have paid at a dealership.Freecyle: You might be surprised at whats being given away, no strings attached. Ive seen beautiful furniture, clothing, bicycles, toys, books, and other useful stuff offered up.Yard sales: Another treasure hunt. Ive seen items still in the shrink-wrap at these sales. Its a great place to buy baby stuff, including newborn-sized clothing that seems never to have been worn.Buy Nothing Facebook groups: Last month my partner and I just picked up an almost-new Weber grill. Some of the other things Ive seen lately: baby stuff, solid wood table, sewing machine, board games, computer desk, cookware, and tons of childrens clothes. All of it is free.8. Overdoing it on special occasions Are holidays and birthdays completely over the top? Maybe its time to tone it down. When they become extravaganzas of gift-giving, we cheapen the meaning and also set the bar higher and higher. A kid who gets tons of presents is unlikely to appreciate each one fully and more to the point, he develops a sense of entitlement. As for birthday parties, when did they start resembling mini-coronations? Even one-year-olds are having party rooms reserved, decorations put up, and gift registries established. Really? Think of all the money thats spent and quickly forgotten. Now think what those dollars could have done for a childs education fund or your own retirement. Celebrate joyously, but celebrate sensibly. 9. Overbuying for grandchildren While waiting in line at a crafts store, I met a woman who developed the bad habit of having small gifts waiting for her granddaughters whenever they visited and they visited a lot. The woman was fretting visibly as she looked over the items in the stores dollar section. What do you buy for someone who already has everything? she asked me. After hearing her story, I felt very sad not just for her but also for the kids. A visit to grandmas house had become an exercise in acquisition. The first thing they do upon crossing the threshold is to ask what theyre getting. (Does anyone else find that quite sad?) Expectations are made, not born. If youve gotten into the habit of treats and more treats, scale back. Replace them with activities and gifts of time. The kids who are used to getting stuff will gradually become used to not getting stuff and when occasionally you do treat them, it will mean a lot more. Again, the money you save could go toward their education funds or toward shoring up your own budget. You cant finance retirement. 10. Giving more than you can afford Charity is a noble impulse. But giving to the American Red Cross or the Society for the Prevention of Cruelty to Animals should be done after youve taken care of business. Specifically, after youve built an emergency fund, started saving for retirement, and taken care of any consumer debt. Put on your own oxygen mask first, financially speaking. Award-winning journalist and veteran personal finance writerDonna Freedmanis the author of Your Playbook for Tough Times: Living Large on Small Change, for the Short Term or the Long Haul and Your Playbook for Tough Times, Vol. 2: Needs AND Wants Edition. Read more: https://www.thesimpledollar.com/loans/blog/a-loan-wont-solve-your-money-woes-if-you-dont-fix-these-10-financial-issues-first/
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