Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday- April 20, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

Self Improvement Daily- Earn Respect, Not Validation

Our interest to prioritize and maintain strong social connections is fundamental to our success as a species, and in order to appease our ego, we seek validation, approval, and acknowledgement from others as a means to confirm our importance. This may cause us to do things that aren’t in alignment with who we want to be because we need quick access to the validating spike of feeling important.

What we’re actually searching for, that leaves a deeper and lasting impression, is other people’s respect. This goes beyond what you do and into who you are– your character and your values. This is more difficult to earn, and in a society that is addicted to immediate gratification, sometimes people don’t even have the patience to get there.

Ted Talks Daily- 4 ways to make hybrid work better for everyone

I was surprised to learn that, using surveys, polls, and meta-analyses, over 70% of employees in most global surveys want a mix of in-person and remote formats moving forward.

Many employers unexpectedly moved to a remote or hybrid format during the COVID-19 pandemic. Many also haven’t put much thought into a plan. Some employers want employees in the office a certain number of days each week, but don’t care when. Others haven’t set expectations. Others have clear expectations about when employees need to be in the office. Here are 4 ways to make hybrid work better for everyone:

  1. Coordinate anchor days — days you and those you collaborate with are in the office on the same day.
  2. Plan spontaneity. Set aside 6-7 minutes of online meetings to chat informally about something other than work. Consider happy hours, trivia challenges, or lunches or coffee with coworkers.
  3. Match digital tools with communication objectives. Sometimes e-mails, IMs, and phone calls won’t cut it. Use video calls for conversations when needed.
  4. Consistency between hybrid policies and attitudes is the only way to build a hybrid culture for everyone. If you want your employees to come in a certain number of days, assign days or make that expectation clear. If there aren’t any clear expectations and people don’t come in the same number of days, nobody should be made to feel guilty for not coming in as often as others.
Optimal Finance Daily- Budgeting Tips: 10 Ways to Lower Your Life’s Fixed Costs by Joshua Becker
  1. Buy or rent a smaller home. Housing costs generally take up the largest percentage of a person’s expenses.
  2. Avoid car payments.
  3. Double-check recurring expenses and cancel any you no longer need or use.
  4. Research insurance costs. Double-check your premiums and compare other options.
  5. Take your lunch to work.
  6. Pay off your credit card debt. Interest payments are like flushing dollars down the drain. We don’t receive anything for them.
  7. Stop upgrading your phone just because you are eligible.
  8. Cut utility bills at home. Get a programmable thermostat, lower the temperature on your water heater, unplug unused electronics, cut cable, or seal your home better for cold and heat.
  9. Research childcare options in your area. Sometimes new childcare centers are much less expensive than the one your child or children is currently enrolled in.
  10. Ditch the storage unit. If your storage unit is simply storing stuff because you own too much stuff, get rid of it. Stop paying money to keep stuff you don’t need.
Curious Kid Podcast- Curious About Prosthetics

https://www.bakersfield.com/news/health/15-interesting-facts-about-prosthetics/article_fd58fef4-a590-5067-8d3e-6463e5374126.html

The word “prosthetic” is Greek. When translated to English, it means “addition.” A prosthetic is a device that provides support in place of the body part so that people can perform day-to-day functions.

  • In ancient Rome, there are accounts of warriors who used prosthetics made of iron and wood to make artificial arms and legs.
  • Thousands of years ago, prosthetics were cosmetic.
  • During the French Renaissance, prosthetics became functional and included harnesses and knee lock controls, as well as softer materials.
  • Limb loss can be caused by a disease or cancer that impacted that body part, a car accident, or being born without a body part.
  • Prosthetics are made according to what body part is missing. How it looks and how it is made is dependent on the person and body part. Generally, measurements are taken and a cast is made. A mold is made to specifications. It is shaped to be comfortable for the patient. Most prosthetics are constructed with lightweight carbon fiber, aluminum, and titanium components.

Nearly 75 percent of amputations are caused by diabetes and cardiovascular complication. The most common type of amputation is a below-knee amputation.

The average prosthetic lasts *only* three to five years!

Most amputees wear a stump shrinker, which is a compression sock that keeps the limb from swelling when the prosthesis is not on their limb. Most amputees wear a silicone gel liner that helps to cushion and protect the limb during walking.

https://www.gabethebassplayer.com/blog/best-price-guaranteed

Best Price. Guaranteed.

But what does best mean?

Lowest?

Most efficient?

Most satisfaction?

Most bang for the buck?

The price most people would enjoy?

Since ‘best’ isn’t defined, the guarantee is also meaningless.”

Gabe the Bass Player at gabethebassplayer.com
The Economics of Everyday Things- Gas Stations

In the U.S., Americans use 374 million gallons of gas every day!

Gas is cheap in the U.S. relative to other countries. Considering the amount we use, though, every penny counts.

We often blame politicians and oil executives, but the easiest target is the gas station owner. There are 145,000 gas stations in the U.S. 8 out of 10 are independently owned and operated. They pay oil companies for the right to use their branding and gas. Many come from other countries.

  • 50-60% of cost of gas is from the cost of crude oil. $4.00 cost of one gallon of gas= $2 cost of crude, 70 cents to refine it, 40 cents to move it from refinery to gas station, 50 cents for federal/state/local taxes. For a $4.00 gallon of gas it costs about $3.60 to get it to the pump. Gas station owners make about 30-40 cents out of every gallon they sell, which has to cover maintenance, electric bill, rent, liability, etc. In the end, they are averaging 7 cents per gallon of profit.
  • Gas stations have a daily profit of about $300 after all expenses.
  • Gas stations regularly face competition with other area gas stations.
  • Station owners usually buy a few days of gas at a time and store it in underground tanks, but the price of wholesale gas changes every 24 hours. As a station owner, you can lower your prices and lose money or keep a little profit margin and watch your customers go to another station.
  • When crude prices go up, station owners are slow to pass on the extra cost to us at the pump, but when they fall, they don’t set the prices lower right away either. When gas prices increase, tight margin on gas gets squeezed even further, people buy less gas, and people also buy less inside the store. Higher gas prices also result in more theft.

Gas isn’t a big money maker. The bulk of a gas station owner’s income comes from selling food, where they have an average 33% gross profit inside the store.

Healthier Together- How to Know if You Should Have Kids + Debunking Myths About Parenthood

I don’t have kids (yet), so this was an interesting podcast with different perspectives and insights!

Many people ask “Are you going to have KIDS?” One point the podcast host made is “How will you know whether you want to have KIDS (plural)? Should I have KID? Then you can decide whether you should have KIDS.”

The most surprising point I learned on this podcast is that the ideal age to become a parent is said to be 38 or 39! This provides time to enjoy two adulthoods: 18-38 can be spent traveling, establishing your relationship with your partner, establishing your career, etc. Another adulthood starts when having kids at 38 or 39. This also results in having wisdom, perspective, and better finances, and, if you live long and are healthy, your kids can still care for you when you are old.

Many people have kids earlier due to societal or family pressure or the fear of infertility. If you have concerns about fertility with waiting, check with your doctor about fertility tests and risks. This makes more sense than having kids earlier simply due to this sometimes-unreasonable fear. Some fertility treatments are covered by insurance or are available through grants.

If you are concerned about finances, you can save money through hand-me-downs, secondhand retail, community or church groups, and neighborhood exchanges. You can also do a childcare exchange with friends.

Our society says we value children, but we do not put the $ or attention there. Many employers do not offer paid maternity or paternity leave, resources, or flexibility for childcare, etc.

You may never feel 100% confident in your decision to have kids. That’s okay. 60/40 confident is enough. It isn’t about baby or no baby. If you are postponing or thinking about not having kids, ask yourself if there’s anything you haven’t done yet in life that needs to happen. We will have some disappointments. Ask yourself “What hasn’t happened yet that I want to happen between now and when I die?” It’s about thinking about what is important to you that hasn’t happened yet and how you will fit that in. Be able to name those things and think about, if you actually have extra time and $, are you really going to do those things?

If you are afraid to bring a child into this world, know that people were also worried in the 80s and other decades. There have always been big issues dominating our consciousness and people still chose to have children and have not regretted it. There is always going to be some concern or worldly issue.

There is a lot of stress involved in raising kids, but the major factor is whether the child was planned or an accident and whether the parents had a close, high-quality relationship before having a child. Once kids are grown, parents rave about being parents.

There are many ways of finding life satisfaction and meaning even without having kids. Many parents do say that having kids has brought the most happiness in their lives, but that does not mean that you need to have kids to be happy. Volunteering, hobbies, career fulfillment, being a coach, and many other things can also bring meaning and happiness.

You can get to know your partner better than ever before just by thinking and talking this topic through. It’s not just “yes” or “no.” What are your fears? What do you want your life to look like? How will you share in the responsibilities? What is important to you?

I look forward to reading, learning, and sharing more with you soon!

Book review posts, Uncategorized

Wisdom from “1000+ Little Things Happy Successful People Do Differently”

“1000+ Little Things Happy Successful People Do Differently” was written by Marc Chernoff, co-author of the blog Marc & Angel Hack Life and New York Times bestseller “Getting Back to Happy.” This book was in a listicle format and, although the title is deceiving and inaccurate, I learned so much from this book.

Millions of people live their entire lives on default settings, never realizing they can customize everything. Dare to make edits and improvements. Dare to make your personal growth a top priority.

“Don’t ask ‘Why me? Why didn’t I…? What if…?‘ Instead, ask ‘What have I learned from this experience? What do I have control over? What can I do right now to move forward?‘”

Extend generosity and grace. When someone is grouchy, tired, or whatever you don’t desire, add “just like me sometimes.” Ex: “That person was so rude…just like me sometimes.”

Happiness cannot be traveled to, owned, earned, worn, or consumed. Happiness is the sacred experience of living every moment with love and gratitude.

“Imagine you had a ripe, juicy tangerine sitting on the table in front of you. You pick it up eagerly, take a bite, and begin to taste it.

You already know how a ripe, juicy tangerine should taste, and so when this one is a bit tarter than expected, you make a face, feel a sense of disappointment, and swallow it, feeling cheated out of the experience you expected.

Or perhaps the tangerine tastes completely normal— nothing special at all. So, you swallow it without even pausing to appreciate its flavor as you move on to the next unworthy bite, and the next.

In the first scenario, the tangerine let you down because it didn’t meet your expectations. In the second, it was too plain because it met your expectations to a T.

Do you see the irony here? Nothing really meets our expectations.”

We need to adopt a mindset free of needless, stifling expectations. The tangerine can be substituted for almost anything in your life: any event, any situation, any relationship, any person, any thought at all that enters your mind. If you approach any of these with expectations of “how it should be” or “how it has to be” in order to be good enough for you, they will almost always disappoint you in some way.

The only person who can make you happy is you. You are also the only person responsible for your success.

Failure is a part of success. Failure becomes success when we learn from it. Focus on how far you have come.

You will never feel 100 percent ready when an opportunity arises. Embrace the opportunity and allow yourself to grow emotionally and intellectually.

View every challenge as an educational assignment: “What is this situation meant to teach me?” Be a student of life every day. Experience it, learn from it, and absorb all the knowledge you can.

When someone upsets you, it’s often because they didn’t behave to your fantasy of how they “should” behave. The frustration stems not from their behavior, but your expectations. You can’t control how others behave or what happens to you, but you can control your response.

Life is kind of like a party. You invite a lot of people, some leave early, some laugh with you, and a few stay to help you clean up the mess. The ones who stay are your real friends in life.

Over the past month, what have your actions been silently saying about your priorities? Are there any changes you want to make?

If you had a friend who spoke to you in the same way that you sometimes speak to yourself, how long would you allow that person to be your friend? The way you treat yourself sets the standard for others.

Do your best with what’s in front of you and leave the rest to the powers above you.

Marc Chernoff

30-day challenge ideas to improve your life:

  • Get rid of one thing a day for 30 days
  • Wake up 30 minutes earlier than usual
  • Ditch 3 bad habits
  • Define one long-term goal and work on it for an hour every day
  • Watch or read something that inspires you every morning
  • Cook one new recipe each day
  • Each day, have a conversation with someone you rarely speak to
  • Document every day with one photograph and one paragraph

20 questions you should ask yourself every Sunday- linked here:

I look forward to reading, learning, and sharing more with you soon!

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday- April 13, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

Science Vs. – Weight Loss Meds: Is Ozempic a Miracle Drug?
Food, We Need to Talk- Ozempic- The “Magical” Weight Loss Drug

**I have not used Ozempic and am not authorized to make medical recommendations. I am simply reporting what I have learned.** Ozempic has been a popular topic in the news and social media lately, and I wanted to learn more about it. I have the following notes from the two podcasts:

  • Ozempic is a diabetes drug that also causes weight loss. Many people are using it strictly as a weight loss drug, resulting in a shortage due to an “unexpected increase in consumer demand.”
  • Ozempic has the lowest side effect profile and actually works. Side effects include nausea (after 5 months, 25% of people reported nausea) and GI issues. People have generally concluded that the side effects are worth it.
  • Wegovy was a popular weight loss drug, but during the pandemic, Wegovy faced supply chain issues for nearly one year, making Ozempic a popular alternative. Ozempic continues to be the most popular.
  • Many insurers won’t cover Ozempic unless diabetes has been diagnosed, but many people are willing to front the $1,200/month cost of Ozempic, especially celebrities.

The active ingredient in Ozempic is semaglutide, which works by inducing satiety.  Ozempic reduces a consumer’s level of hunger and eliminates food cravings, resulting in people eating 1/4 to 1/3 less when taking Ozempic.

People who take this med will likely need to take this long-term. They gain most of their weight back when they stop taking the medication. Also, long-term effects have not been studied yet.

People are using Ozempic as a weight loss drug with great results. Some have lost 15-21% of their body weight!

It is important to continue exercising and having healthy habits even while taking a weight loss drug, and it is also emphasized that once people stop using Ozempic, they generally gain the weight back because their hunger levels and food cravings return to their normal levels pre-Ozempic.

The Daily Stoic- Don’t Make Assumptions

You don’t get a joke, so you say it’s not funny. You love your job, so you have no patience for people who complain about theirs. You’ve been successful, so you can’t understand why others struggle. Things that are different from your preferences are “weird.”

Our personal experiences make up a tiny percentage of the world, but a huge percentage of how we perceive the world.

A stoic tries not to jump to hasty judgments and puts their impressions up to the test. A stoic makes space for there to be other means of being, even the ways we don’t understand.

The Clever Girls Know Podcast- 9 Money Leaks Affecting Your Finances and How to Fix Them
  • Paying delivery fees. Before paying for shipping or delivery, Google search for free shipping or delivery codes!
  • Disposable products (water bottles, cutlery, paper towels). Use a reusable water bottle, pack your own utensils for your work lunches, and use rags or towels instead of paper towels.
  • Food waste. Buy only what you’re going to eat and cook. Meal prep. Freeze leftovers. Do an assessment of your food before shopping.
  • Bank fees (overdraft fees, ATM fees, account fees). Look for banks with overdraft protection, no account fees, and a wide network of free ATMs.
  • Subscriptions for products and services. Make sure you aren’t bulking up if not needed. Make sure you are using streaming services and other subscriptions. Cancel them if you aren’t.
  • Name brand products instead of generic. Often the generic products contain the same ingredients and taste the same.
  • Coffee and snack shops. Learn to make your own coffee or tea and buy the coffee beans or loose leaf tea your favorite shop uses. Keep snacks on hand.
  • Gym memberships- Are you getting your money’s worth? Cancel if you rarely go.
  • Unused insurance policies (vehicles). Do you still drive, or do you take public transportation? If you rarely drive, let your insurance know to see if you can get discounts on your premiums. If you never drive or rarely drive, you could consider selling your vehicle and taking public transportation or Uber/Lyft rides if that would be cheaper than paying for insurance and vehicle maintenance.
Self Care IRL- The best habits you should still hold onto post-pandemic
  • Learning and chasing new hobbies. Many people picked up a quarantine hobby.
  • Focus on supporting others (small businesses, healthcare workers, acts of kindness)
  • Embrace simplicity. You don’t always have to be doing something.
  • Make your home feel like home. You deserve to feel cozy and happy.
  • Taking care of yourself. Carve out space for you to be alone with your thoughts and feelings. You should be your #1 priority. Therapy, journaling, meditation, etc.
  • Spending more time in nature. Don’t make it so that you miss the calmness you were chasing during the pandemic. Go outside! Listen to the birds chirp. Go on a walk.
  • Not feeling guilty for spending a night in. Don’t feel pressured to go out. You can’t miss out on the time you spend with yourself.
  • Checking in on your loved ones. Random phone calls and video chats during the pandemic were at an all-time high. Remember when people called you just because?
  • Not going out or going to work if you feel sick. Listen to your body.

I have been reading “The Simple Path to Wealth” as part of a book club. This book emphasizes investing in VTSAX, Vanguard’s Total Stock Market Index Fund. I also read a blog post highlighting VTSAX for people who want to retire early:

https://www.ourrichjourney.com/post/5-reasons-why-vanguards-vtsax-index-fund-is-our-top-fire-investment

Some of the things I’ve learned:

  • The expense ratio is 0.04%, which is over 70% lower than the industry average!
  • VTSAX also beats around 80% of actively managed mutual funds, and you save money by not having to pay for an active manager.
  • VTSAX invests in the total stock market. Owning VTSAX allows an investor to own almost all of the companies trading in the U.S. stock market.
  • VTSAX constantly self-cleanses. There are inevitably companies that fail and companies that succeed. As soon as a company fails, it will drop off the stock market and won’t be tracked by VTSAX, so VTSAX will *never* go to zero.
  • VTSAX is easy, straightforward, and requires very little effort to understand.

I finished reading “Top 5 Regrets of the Dying” written by Bronnie Ware. I was surprised to learn the top 5 regrets of the dying, and I was inspired to not have these same regrets:

  • 1. I wish I’d had the courage to live a life true to myself, not the life others expected of me.
  • 2. I wish I hadn’t worked so hard.
  • 3. I wish I’d had the courage to express my feelings.
  • 4. I wish I had stayed in touch with my friends.
  • 5. I wish that I had let myself be happier.

I look forward to reading, learning, and sharing more with you soon!

Book review posts, Uncategorized

Unwinding Anxiety + Habit Loops

“Unwinding Anxiety” was written by Judson Brewer, MD, PhD, an internationally renowned addiction psychiatrist and neuroscientist, director of research and an associate professor at Brown University, and founder of Eat Right Now and Craving to Quit apps. Further, his 2016 Ted Talk “A Simple Way to Break A Bad Habit” has over 16 million views! This book emphasized that anxiety and addictions (eating, smoking, drinking, etc.) manifest themselves in habits and the first step to overcoming them is to understand the origin of the habits we want to eliminate or replace and update the reward values.

  • 1. Identify your habit loops.
  • 2. Update the reward values of the behaviors you want to change (using mindfulness and curiosity).
  • 3. Replace your old habits with new, healthier habits.

Paying attention is really important if you want to change a habit. If it’s a habit that you desperately want to break, you can’t tell, force, or wish it to stop because these likely don’t have an effect on its reward value. Look and learn. Ask yourself “What do I get from this?” when thinking about the result of bad habits.

If you struggle with overeating, focus on the full and bloated feeling you get when you’re done eating.

If you struggle with smoking, be mindful and think about the taste and smell (I was surprised to learn that most smokers in a study reported that when they paid attention when trying to quit, they realized they hated the smell and taste)!

Force your old brain to relearn and reassociate negative feelings with the habits you want to change. It is true that past behavior is likely the best predictor for future behavior, but what we do in the present moment, not what we did in the past, will determine the likelihood of continuing or changing that trajectory.

Use RAIN:

  • Recognize what is happening right now.
  • Allow/accept it.
  • Investigate body sensations, emotions, or thoughts.
  • Note what is happening in your experience.

Examples of habit loops:

  • Trigger: getting into an argument
  • Behavior: bingeing
  • Result: feeling physically, emotionally, and mentally awful with no improvement in relationship
  • Trigger: start working on long task and feel overwhelmed
  • Behavior: check social media
  • Result: avoidance; feel more stressed that no progress is made
  • Trigger: anxiety/sadness
  • Behavior: start drinking
  • Result: numbing, forgetting, feeling intoxicated, avoidance
  • Trigger: look at unfinished to-do list
  • Behavior: worry about not getting it done
  • Result: feel anxious

This book was an educational read and seemed geared more toward overall addictions and habits, not just anxiety.

I look forward to reading, learning, and sharing more with you soon!

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday- April 6, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

Psych2Go – 8 Daily Habits that Drain Your Energy

These daily habits can cause you to feel stressed, anxious, and exhausted:

  1. looking on the negative side of life/being a pessimist
  2. overthinking
  3. living in the past and taking your focus off of the present moment
  4. associating with negative people and drama
  5. using social media to bring you down and fall into the comparison trap
  6. having a poor diet
  7. not exercising regularly
  8. having an unhealthy or irregular sleep schedule

When a box of girl scout cookies is sold for $5.00, $1.50 goes to the bakery that made it and $3.50 stays local and is split between the regional troop and the troop you bought it from.

The career record is $180,000 boxes sold, resulting in a college scholarship. Girl scouts can increase sales by setting up a booth at a populated place, such as a supermarket parking lot. This results in more sales than going door-to-door.

In 2014, Girl Scouts started accepting credit cards using mobile card readers and began selling cookies online.

The pandemic resulted in fewer girls enrolling in Girl Scouts, supply chain issues, and labor shortages that made it harder for bakeries to produce cookies. The Scouts started using DoorDash to deliver cookies same-day!

DoorDash Partners with Girl Scouts of the USA to Offer Exclusive On-Demand Delivery as Girl Scout Cookie Season Kicks Off

Business lessons:

  • Each season, each scout commits to selling a specific # of boxes, and she gets to decide how many. The troop pays for the boxes upfront and the scout repays the troop with the money from the sales. If you have excess boxes because you didn’t sell as much as you committed to, you usually have to pay the troop, but sometimes you can swap flavors with cookie hubs.
  • The harsh realities of cookie season (competition, finance risk, supply chain issues, technological disruption) are a part of the commerce business. This presents a great opportunity to build business skills.
How I Built This with Guy Raz- Mark Cuban Cost Plus Drug Company

**I have not used Cost Plus Drug Company myself. I combined information from this June 2022 episode and this updated article:

https://www.forbes.com/sites/joshuacohen/2023/01/01/mark-cubans-cost-plus-drug-company-continues-to-revolutionize-generic-drug-pricing/

Mark Cuban got involved through a cold e-mail from a radiologist who was working on a compounding pharmacy that could sell pharmaceuticals for less. They spent four years working with manufacturers and regulatory agencies, and Mark subscribed to and read every report and article he could get his hands on regarding healthcare and pricing before starting costplusdrugs.com in January 2022.

In the standard U.S. market, the prices of pharmaceuticals are set by considering Medicare as a percentage of the retail price, insurance companies, rebates, paying pharmacy benefit managers, etc. Cost Plus Drugs (costplusdrugs.com) is transparent in pricing: 15% market from their cost + $3 for handling + $5 for shipping. They are able to keep costs low by eliminating all of the others involved in the standard insurance process, and they use True Pill as a pharmacy/fulfillment center.

Costplusdrugs.com offers over 800 generic drugs. The company/website is especially beneficial for those who are uninsured or those who have insurance but are in the high deductible phase. For many generic drugs, the co-payment can be higher than the actual price of the drug.

The challenge in getting this company to scale more has been getting manufacturers to sell to Cost Plus because they are afraid of the response they will get from insurance companies who also work with them. Cost Plus generally does not want to work with insurance companies because they want to be the low-cost provider of every drug they sell.

Financial Feminist- Life Insurance 101 with Ladder

Lessons learned about life insurance:

  • Index universal life insurance is a scam.
  • Life insurance is a selfless product. You are paying for something YOU will never benefit from.
  • The younger you are, the cheaper life insurance will be.
  • A good rule of thumb is to have 10x your salary to cover all of your liabilities. Most people are only covered for their salary.
  • Term life insurance (offered through many companies such as Ladder) is the most cost-effective because you are only covered for a certain amount of time. You can invest the difference you would save buying term life instead of whole life insurance. Whole life insurance is permanent and is 4-10x more expensive.
  • Life insurance should be used for insurance, not an investment. Investing should be used for investing!
  • When looking for life insurance coverage, look for good pricing, reviews, financial ratings, transparency, and what’s being added on as riders.
  • If you are a stay-at-home mom, you should still have life insurance because your partner will need $ to cover childcare in the event you pass away. If you take care of your parents, you need life insurance to cover expenses for care providers for them in the event you pass away. If you have any liabilities, you should have life insurance.
  • If you don’t have financial liabilities (mortgage, auto loans, etc.), debts, or kids, life insurance is not necessary.
Self Care IRL- 8 Bedtime Rituals for your Mind & Body

The things you do right before bed can determine whether you toss and turn for hours or get a good night’s sleep.

Before bed, list priority items to handle the next day.

When you think of things you need to do during the day, think about whether you will do them today, tomorrow, or another day and schedule them. Then when you’re in bed you won’t have a racing mind of everything you need to do.

  1. Turn down the lights. Exposure to light causes your body to produce hormones that increase alertness. Don’t watch tv/use your computer/use your phone starting one hour before bedtime. Charge your phone in another room and use an actual alarm clock to wake you up.
  2. Slow down. By 8 p.m., your body should be in wind-down mode. Ditch the late-night workouts and active activities. Devote your evening to gentler activities.
  3. If you MUST, have a light snack or a treat. It doesn’t need to be something sweet. It can be something healthy but enjoyable to you—protein, a healthy carb, or chamomile tea
  4. Apply a fragrance. Lavender is an age-old remedy for insomnia. You can use lavender oil/vanilla pillow sprays, a diffuser, or a cotton ball with lavender in your pillowcase.
  5. Warm up. Raising your body temperature induces drowsiness. Take a hot bubble bath or slip under a heavy weighted blanket. A warm non-caffeinated beverage also works. Warm your body but keep your room cool.
  6. Treat your aches and pains earlier in the day to prepare yourself for sleep.
  7. Suspend all of your daily concerns. What if you get to bed on time but you lie awake worrying about credit card bills, tomorrow’s meeting, whether you watered your plants, called someone back, etc.> Let the day go and resolve to let go of distractions. You will sleep better if you can do this. If you are focusing on your breathing, your brain cannot simultaneously work overtime to worry.
  8. Meditate or pray.

Good quality sleep protects your mental and physical health. Rely on bedtime rituals that will help you doze off faster and stay asleep all night long.

Radio Headspace- Life Without Practice

We can have such tunnel vision of wanting to be better that we can lose sight of where we started. Stop, pause, and reflect on how far you’ve come and the progress you’ve made. TWe tend to forget about what our life was like before we achieved x, y, and z.

Document everything. Keep a notebook to record your emotions and thoughts. This will serve as a reference for how far you’ve come. I have been keeping a One Line A Day journal for over three years. It is a five-year dated journal in which you can look back on what you wrote that particular day for up to five years. Each night, I write something about my day–something that brought joy to my day, something I struggled with, something I did that day, etc. It has been interesting looking back at some things I wrote years ago and comparing those entries to where I’m at now.

Remember that you are a human before anything else and all moments of your life are worthy of being celebrated.

Sometimes when I am reading a book and come across an unfamiliar word, I Google it right then and there. One word I came across this week was bespectacled:

be·spec·ta·cled

[bəˈspektəkəld]

ADJECTIVE

  1. (of a person) wearing eyeglasses:

Ex: Mr. Merrick was a slim, quiet, bespectacled man.

I found this interesting because I have never heard anyone use that word!

I look forward to reading, learning, and sharing more with you soon!

Book review posts, Uncategorized

Man’s Search for Meaning

“Man’s Search for Meaning” written by Viktor E. Frankl has been translated into more than 50 languages and sold over 16 million copies, and it was one of the top 20 books I read in 2022. This book contained a riveting account of Viktor Frankl’s time in the Nazi concentration camps and his insightful exploration of the human will to find meaning in spite of suffering.

At the heart of his theory, known as logotherapy, is the belief that the primary human drive is not pleasure, but the pursuit of what we find meaningful.

To find a meaning in one’s life is the primary motivational force in man.

3 possible sources of meaning:

  • work- by doing something significant
  • love- by caring for another person
  • courage during difficult times

“Everything can be taken away from a man but one thing: the last of the human freedoms – to choose one’s attitude in any given set of circumstances – to choose one’s own way.”

Viktor E. Frankl

Any man can decide what shall become of him – mentally and spiritually. He may retain his human dignity even in a concentration camp.

There is meaning in suffering. The way in which a man accepts his fate and all of the suffering it entails gives him ample opportunity to add a deeper meaning to his life.

I look forward to reading, learning, and sharing more with you soon!

Book review posts, Uncategorized

Set Boundaries, Find Peace

“Set Boundaries, Find Peace” was written by Nedra Glover Tawwab, a licensed therapist and sought-after relationship expert and owner of Kaleidoscope Counseling. Her philosophy is that a lack of boundaries and assertiveness underlies most relationship issues, and her gift is helping people create healthy relationships with themselves and others. This book was filled with insights about boundaries and actual examples of statements and boundaries that you can use. I believe everyone will get something out of this book!

You can follow her on Instagram at nedratawwab. She posts very helpful insights about boundaries and example statements of boundaries.

What are boundaries?

  • Boundaries are expectations and needs that help you feel safe and comfortable in your relationships. Put on your oxygen mask first before helping others.
  • Boundaries are a safeguard in overextending yourself, a self-care practice, a way to create healthy relationships, and a way to communicate your needs to others.
  • Boundaries are not unspoken rules. Unspoken boundaries are invisible. Avoid thinking “they should’ve known better” or “common sense would say…” Common sense is based on our own life experiences and isn’t the same for everyone. It is essential to communicate and not assume that people are aware of our expectations in relationships.

Don’t betray yourself to please others.

Nedra Tawwab

The healthiest way to communicate boundaries is to be assertive. Communicate your feelings openly and without attacking others.

The best boundaries are easy to understand: “I want…I need…I expect…” Examples: “I want you to stop asking me when I’m going to have kids.” “I need you to call me before you stop by.” “I expect you to return my ___ in good condition.”

There are two steps to boundaries: communication and action. You must uphold what you communicate through your behavior. If you don’t uphold your boundaries, others won’t either!

Common responses to boundaries: pushback, limit testing, ignoring, rationalizing and questioning, defensiveness, ghosting, silent treatment, and acceptance

  • Burnout is caused by not knowing when to say no, not knowing how to say no, prioritizing others over yourself, people-pleasing, and unrealistic expectations.
  • To avoid burnout, start asking yourself “Why is this important to me?” and only doing what is most important.

Ask yourself:

  1. Whose standard am I trying to meet?
  2. Do I have the time to commit to this?
  3. What’s the worst thing that could happen if I don’t do this?
  4. How can I honor my boundaries in this situation?

We learned about boundaries from family. We cried, fussed, and acted out when we wanted something, and we learned whether we could get our needs met based on how our parents or caretakers responded.

For kids, food preference is an attempt at setting limits. Do you:

  • (1) offer other options
  • (2) insist the child eats what they said they didn’t like
  • (3) punish the child by not allowing them to eat anything?
  • The results of option 1: Your child feels heard and respected.
  • The results of option 2: Your child recognizes their boundaries are not important to you and that you think you know what is best for them.
  • The results of option 3: Your child feels punished for having preferences.

Same goes with hugging someone. When a child sets a boundary by not wanting to hug someone, do you:

  • (1) allow the child to be self-selective about whom they feel comfortable showing affection to
  • (2) push the child to hug the person
  • (3) shame or threaten the child by saying that it’s not nice to tell people no or tell them you will punish them if they don’t comply
  • The results of option 1: Your child feels heard and respected.
  • The results of option 2: Your child recognizes their boundaries are not important to you and that you think you know what is best for them.
  • The results of option 3: Your child feels punished for having preferences.

Types of boundaries you can set:

Physical boundaries: verbalize your need for physical distance to others. Be clear with others about your discomfort with certain types of physical touch, such as hugging. Examples: “I’m not comfortable with public displays of affection. I’d prefer if we saved this until we got home.” “Please move back a little.”

Sexual boundaries: don’t make excuses for poor conduct. Report sexual misconduct that you experience or witness. Examples: “Your comments about my appearance make me feel uncomfortable.” “Your comment isn’t funny; it’s sexually inappropriate.”

Intellectual boundaries: Be respectful of people who are different than you. If you’re a parent, refrain from discussing adult matters with your kids. Examples: “You can disagree without being mean or rude.” “I won’t talk to you if you keep raising your voice.”

Emotional boundaries: Share only with people you trust who can hold space for your emotions. Ask people if they want you to just listen OR if they’re looking for feedback. Examples: “I hear that you have a lot of things going on and I don’t feel equipped to help you. Have you considered talking to a therapist?” “I don’t feel comfortable talking about that topic.”

Material boundaries: Do not loan things to people who’ve demonstrated that they will not respect your possessions. Share your expectations for your possessions up front. Examples: “I can’t loan you any money.” “I will not let anyone borrow or drive my car.”

Time boundaries: Before you say yes to a request, make sure you want to do it and aren’t overcommitting. When you’re busy, ignore calls/texts/ e-mails until it’s convenient to respond. Examples: “I’m unable to work late today.” “I can’t help you this weekend.”

Self-boundaries: your finances, your time management, your self-care, the treatment you allow from others, your unkind thoughts of yourself, your reactions, and the people you allow in your life. Examples: “I will save ___% before buying something new.” “I plan my day and delegate what I can.” “I say no to things that I don’t like/things that rob me of valuable time.” “I address issues with others when they arise.” “I allow myself to make mistakes without judging myself harshly.” “I allow myself to cry.” “I did my best.”

When you engage in activities that you don’t enjoy or get distracted with other people’s stuff, you take time away from yourself.

**This book also covered boundaries specific to in-laws, holidays, friendships, relationships, social media, and work.

You can’t change people, but you can change:

  • how you deal with them
  • what you accept
  • how you react to them
  • how often you interact with them
  • how much space you allow them to take up
  • what you participate in
  • what role they play in your life
  • what people you have contact with
  • who you allow in your life
  • your perspective

It’s healthy for you to have boundaries. Other people have boundaries that you respect. Setting boundaries is a sign of a healthy relationship. If boundaries ruin a relationship, your relationship was on the cusp of ending anyway.

What to avoid when setting boundaries:

  • Never apologize. It gives the impression that your expectations are negotiable or that you don’t believe you’re allowed to ask for what you want.
  • Don’t waver. Don’t allow people to get away with violating your boundary.

I highly recommend this book! ⭐⭐⭐⭐⭐

I look forward to reading, learning, and sharing more with you soon!

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday- March 30, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

I was out with a friend who is on a bowling league. She explained that the next league is going to be more difficult. “More difficult? As in the competitors are more skilled,” I asked. She replied, “no, the oil patterns are different.” I was so confused about what I heard that I had to ask her if I heard correctly! It turns out, aside from the arm swing, how the ball is released, and the bowling ball material, the oil pattern also plays a major role in how well you perform.

Bowling oil patterns are covered in depth here:

In short, “the longer the pattern, the less your ball can hook.”

If you notice you aren’t performing well:

“If you throw your shot and realized that your ball isn’t hitting the target you intended due to the oil on the lane, you have two options:

  1. You can adjust your stance and just move your feet to the left or right by the number of boards that you missed and target the same spot. And hope that your adjustment should help and correct the error.
  2. You can completely change your style to match the lane conditions.

For example, if the lane is wet (has a lot of oil), you can bowl a straighter shot into the middle making the ball have only a small range of hook.
Or, if the lane is dry (has little oil), you can give it more speed or target more to the outside making the ball properly hook back to the pocket.
“

Here are some oil patterns:

Chasing Life- Will Banning TikTok Help Kids?

This podcast focused more on the concerns about TikTok, not all of which are related to kids. Some people have complained that TikTok should be taken down because it is harming kids mentally and emotionally. The Communications Decency Act (Section 230) protects website creators/app creators by not holding them legally responsible for the speech others put online. It also ensures TikTok can’t be sued for deciding to moderate content in the ways that they see fit. This is the same defense BackPage had, as they were not held accountable for the pimping that went on while using BackPage; they were only held accountable for the resulting money-laundering offenses.

TikTok was the most downloaded app in the entire world in 2022!

TikTok was created by a Chinese company, and many people are concerned about the threat to cybersecurity. The company is working with the U.S. government and working on voluntarily moving data it has on U.S. consumers from servers it controls in Virginia and Singapore to third-party servers controlled by Oracle, a U.S. company. They are working to ensure that no U.S. data is exposed to the Chinese government. Of note, there is currently no evidence that the Chinese government has been accessing our data, but there are concerns about influencing us for political purposes.

There is no national federal privacy standard. The U.K. and E.U. have more of an expectation that the government will impose rules ahead of time. In the U.S., corporation accountability tends to happen only after things go wrong.

There’s a lot we don’t know. We don’t know if lawmakers can come together and revise section 230 of the Communications Decency Act. We don’t know if social media companies will make meaningful changes. We don’t know the totality of how social media and screens impact our health.

I recently had a conversation with a friend about TikTok and whether it should be monitored. On one hand, people have the right to free speech. On the other hand, if content is moderated, how can we ensure that all of it is appropriately moderated before it is too late? Should all content go through a review process, requiring several TikTok employees to review it, before it is allowed to be published? If so, how would that impact the number of users and the type of content users see?

NerdWallet’s Smart Money Podcast- Is Banking Stable, and Traditional vs. Online Banks

You may have heard about the Silicon Valley Bank shutdown. Several start-ups used Silicon Valley Bank and pulled their money out at once. SVB had invested some of their money in assets that lost value and then sold the assets at a loss to get depositors their money. As start-ups, many had over $250,000 in deposits and were not fully insured. Signature Bank has faced similar difficulties.

**The FDIC insures $250,000 in full.** Your money will be returned to you no matter what happens to your bank. You have up to $250,000 protected at EACH bank. Ensure your bank is FDIC-insured or your credit union is insured through the National Credit Union Administration.

If you’re concerned that your bank might go out of business, you can spread out your accounts at multiple banks, you can get a credit card to cover your expenses while your bank situation is sorted out, you can call 211 for assistance programs, and you can request an extension on your mortgage or utilities if needed.

Traditional banks vs. online banks

Traditional banks:

  • You can go to a branch to open an account, deposit, withdraw, etc.
  • You can receive person-to-person service.
  • You can deposit cash, do wire transfers, etc.
  • It is easy to transfer funds from an online account to a traditional account.

Online banks:

  • You don’t usually have access to a branch.
  • You don’t receive person-to-person service.
  • They don’t usually have the costs of having buildings, so the rates are often better.
  • Many offer high-yield savings accounts.
  • You can only get money out through ATMs or by doing an electronic transfer to a traditional bank.

It’s best for most people to have a hybrid approach by having a traditional account for checking and possibly savings and having an online high-yield savings account.

As an illustration, many banks offer savings rates of less than 1%. The credit union I use offers variable rates for savings accounts starting at 0.1%, and my rate is 0.65%. I recently read about CIT bank, an online bank, that offers savings rates up to 4.40%–over 6 times my current rate! Imagine how much your savings could increase with an online high-yield savings account!

Healthier Together- What Everyone Gets Wrong About Self-Care & Burnout

Something that describes a healthy relationship of taking care of yourself is that you’re clear on what your priorities are and you understand what activities/relationships feed you and bring you energy. When somebody comes to you with a request, you’re able to be relatively decisive in your decision-making. You are able to operate in your life from a sense of agency and self-sufficiency.

Women are sold a contradictory set of expectations: be a mom but also a rockstar CEO, leading them to think “I need to do more.”

What does “having it/having it all” actually mean? It isn’t about checking things off the list: social life, mom, career, etc. Think about the things that actually fill you up and are impactful for you and how to build those things into your life. Don’t get lost in getting preoccupied with what everyone else/society thinks.

4 principles of self-care:

  • Getting clear on boundaries and dealing with guilt
  • Developing self-compassion in the way you talk to yourself
  • Identifying your values and getting closer to yourself
  • Recognize that this whole process is about power, and by reclaiming self-care, you are getting your power back.

If you aren’t making time for the things you value, getting a mani-pedi or massage isn’t going to help you recover from burnout. That’s checking a tool off of the list, but you haven’t done the deeper work of getting clear on what your values are and what pieces of your life and schedule are actually deeply nourishing for you.

Asking for help- start asking even before you NEED it. Asking for help does not decrease your self-worth.

Martyr mode- phenomenon where you’re taking care of everyone else and you are so resentful because nobody is paying attention to you, helping you, looking out for you, yet you are bending over backwards for others

“I’m so stressed” is often worn as a badge of honor. It means your time is valued and people desire your time and you have so much to do. The empty space can be anxiety-provoking. Yet, being stressed breeds resentment because you want to be seen and upheld as the person who saves the day, even if people didn’t ask for your help or want it.

Your goal should be to find a balance between selfish and selfless.

Reflect on “what is enough? How will I know when I’ve done enough? How will I feel when I feel like “enough?” You might realize that what you’re doing is already enough.

The podcast noted that these points are expanded upon in the new book: Real Self-Care: A Transformative Program for Redefining Wellness (Crystals, Cleanses, and Bubble Baths Not Included) written by Pooja Lakshmin, MD.

I look forward to reading, learning, and sharing more with you soon!

Book review posts, Uncategorized

Tips For When Your Love Drives You Crazy

“Keep Showing Up: How to Stay Crazy in Love When Your Love Drives You Crazy” was a very insightful Christian book written by Karen Ehman. So many thoughts resonated with me.

Your marriage is a message, and people are watching you preach.

Your husband is your husband; he is not your God. Only God can meet our needs, has endless patience, all the answers, and an unconditional love for us. Pick love when you’d rather pick a fight. Keep looking for the magic in the midst of the mundane. Every marriage is a unique blend of awesome and awful.

Love is patient. It is not easily angered. It keeps no record of wrongs.

Different DOES NOT equal wrong… around the house, when dealing with in-laws, in parenting, in areas of romance and intimacy, in how you spend money, etc.

“Aren’t you so thankful that God doesn’t treat us this way – getting so angry and losing patience with us, or dredging up our past sins and offenses?” God’s word can help us give the benefit of the doubt, listen before lashing out, understand that different is not wrong, and ultimately act in love.

Baggage, expectations, and perceptions lead to most arguments, especially expectations based on past family experiences and comparisons from social media.

Think of your marriage as a fragile teacup. Learn to ask “Do you have any chips?” and “What do you need from me this week?”

When something bothers you, bring it up before it has had time to fester and grow. Don’t discuss issues when heading out the door or when one is tired and needs to go to bed. Refrain from using superlatives, bringing up history, and assigning a motive.

Strive for love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, and self-control.

This was a great Christian book!

I look forward to reading, learning, and sharing more with you soon!

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday- March 23, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

On Purpose with Jay Shetty- 4 Relationship Struggles We Go Through

This episode covered four typical relationship struggles and how to overcome them.:

  • Technoference – when your partner is not fully paying attention due to being distracted by tv/phone/computer.
    • How to fix it: Set a rule that when you want your partner’s undivided attention, you communicate that. Ask when they are available for undivided attention. That way you won’t be upset or frustrated if your partner isn’t fully present with you and your conversation. Show you are listening to your partner by mirroring and repeating the last few words that your partner says.
    • One suggestion: Put your phone away during meals and communicate that expectation.
  • Bringing work stress home. This is especially hard when working from home due to having no transitional time to decompress and disconnect through a transitional commute.
    • How to fix it: Take a moment to breathe and decompress after work. Figure out your individual and collective recharging exercises.

My recharging exercises: working out, music, reading, podcasts, hanging out with friends

His: tv, Tiktok, podcasts

Ours: talking to each other, tv

  • Finances– even if you have separate accounts, it is important to talk about your desires, dreams, and concerns and be on the same page.
    • How to fix finance issues: invest in your relationship! Make sure you are doing things that are benefiting you as a couple.
    • How much $ is spent on a wedding vs. a marriage?
  • Chores– resenting partner when you feel like you are picking up the slack
    • How to fix it: Set expectations about who’s doing what and when. It’s unfair to always expect your partner to pick up your slack. Review and reset expectations as needed.
NerdWallet’s Smart Money Podcast – This or That: Travel Credit Card or Cash-Back Credit Card

Travel credit cards often come with several benefits, and cards that charge a higher annual fee offer better benefits. Benefits often include no foreign transaction fees, airline benefits such as free checked bags/lounge access/TSA pre-check, rental car insurance, travel insurance, and hotel vouchers or benefits.

  • Things to Consider:
    • Travel credit cards typically don’t have a set % back. You get points instead.
    • It takes TIME to calculate whether travel credit card annual fees are worth it for you, especially if you don’t travel often and won’t use all of the perks!

Cash-back cards often offer no annual fee and a set cash back amount to use as you please. You don’t have to calculate if it’s worth it for you, especially if there is no annual fee.

**It’s not truly this OR that. You can have both a travel credit card and a cash-back card or multiple cards of each if that’s best for you!

Self Improvement Daily- Waking up is the first thing to be grateful for

I’ve never really thought about life as presented in the episode. “Waking up is the first thing to be grateful for” was emphasized in two ways:

  • There are people who are going to sleep tonight who won’t be waking up tomorrow.
  • There are people waking up this morning for the last time and they have no idea.

Imagine if you knew today was going to be the last day of your life. Would you treat your day much differently?

One of the most fascinating things I learned this week is that counterfeit coupons are a nationwide problem and there is a Coupon Information Corporation that investigates counterfeit coupons! I recently watched an episode of “The Con” that highlighted “Coupon Con” Lori Ann Talens. This was the largest coupon scam in U.S. History.

Lori took to couponing while on bed rest, and, using her graphic design skills, she created realistic counterfeit coupons to score free meals, household supplies, and money. She used social media sites and apps to sell counterfeit coupons from April 2017-May 2020 and made about $400,000, and an investigation revealed her computer contained over 13,000 barcodes she created for products she designed coupons for! Counterfeit coupons were also found all over her house and valued at over $1 million. The businesses victimized suffered over $31 million in losses, and Lori and her husband were sentenced to prison.

This week I read that houses are generally a terrible investment for all but real estate brokers, the government, insurance companies, and banks. In the first nine years of a standard thirty-year mortgage, around 50 percent of your total payment goes toward interest, while the rest goes toward paying down the principal. In order to figure out whether it makes sense to buy or rent, we need to consider the interest, add the extra costs of owning a house (property tax, maintenance, homeowner’s insurance, utilities you wouldn’t be responsible for in an apartment, etc.). This is where the Rule of 150 comes from. Multiply your monthly mortgage payment by 150 percent and that is how much your house will actually cost per month, once all expenses are factored in.

In 2022, which was our first year of owning our house, we paid over $11,000 in mortgage interest and over $3,500 in property taxes. We also paid PMI, homeowner’s insurance, and some utilities I was not used to paying for while I lived in an apartment. Not considering homeowner’s insurance, PMI, and utilities, we paid over $14,500 in just mortgage interest and property taxes that we have nothing to show for!!

Homeownership is not cheap and it is not for everyone. I love living together and having designated spaces to work, sleep, cook, relax, and work out, and I love the location. However, this past year, all things considered, it was not a good financial investment last year.

I look forward to reading, learning, and sharing more with you soon!