Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday – June 29, 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 – Who Killed Affordable Housing?

Who killed affordable housing? Accusations are flying around all over the place of the culprit: greedy landlords, developers, the short-term rental industry, and too many baby boomers active in the housing market causing millennials to not have a chance.

  • Developers: often described as “rip-off artists, greedy, bulldozers, opportunists” out to make a profit off of housing.
    • Many people think developers are responsible for raising the price of neighborhoods.
    • Brand new apartments are going to be more expensive than older ones in the same way that new cars are more expensive than older cars. So the new market-rate building on your block is not going to be affordable unless you’re making good money.
    • It’s generally not true that the building itself raises the prices of other buildings/rents in the neighborhood. Sometimes your rent will go up, but it isn’t because of the new development; it’s because you’re living in a desirable neighborhood that is seeing prices rise. That’s why the developers chose to put a new building there.
    • Developers aren’t the heroes, but they aren’t the villains.

Airbnb: draws a lot of criticism and blame – most Airbnbs are entire homes, not a spare room or couch in someone’s home as the company was originally created to provide. Today, the vast majority (79%) of Airbnb supply are entire homes and apartments, and this has been the fastest growing component over the past 3 years as Airbnb grows further from its sharing economy roots. Studies have shown that Airbnbs are responsible for 20% of the increase in rent of the time period studied.

  • Zoning: the rules that a city makes about what can be built and where it can be built.
    • Many cities require a certain percentage of single-family detached homes. Some cities have laws that require 3 parking spots per studio apartment! This is a sneaky way to make it harder to build more housing/apartment buildings.
    • Some zoning codes require minimum lot sizes – for example, in Connecticut, many homes require almost 2 acres of land per house even if not in a rural area! So many houses have doubled in size since the 1950s.
    • Los Angeles is 74% single-family zoned. Seattle is 80% single-family zoned. The bottom line is that research shows that places with more red tape from zoning are more expensive.

Supply and demand: Demand for housing has gone up. Back in the 1980s, rules changed about how financial institutions could lend money for mortgages. After that happened, more people had access to loans for mortgages, so people who previously weren’t eligible were now eligible, so now we are in a bidding war. When prices go up, housing becomes more valuable, and that attracts investors.

Frugal Friends Podcast – The Best Money Saving Tips for 2023
  • Housing, transportation, groceries, taxes, and healthcare expenses make up about 72% of consumer spending.
  • The biggest tip to saving money is to figure out what you value. You can spend money on the things you value and focus on saving money on what you don’t value. Example: one of my values is finding and trying gluten-free dairy-free items at a discount grocery store. I allow myself to splurge on these discounted items when I occasionally shop.
  • Work on always aligning your spending with what you value or always trying to increase or decrease your income to be enough for what you value. Can you look at your bank statement and be happy with it?
  • Don’t feel pressured to spend money on things others value. Example: latest fashion, expensive happy hours/restaurants, latest technology. Say no as often as you say yes so that you can empower yourself to know more about yourself and what you value.
  • Simplify to streamline. Simplify your physical space to save money on other important physical products. Simplify your schedule for less takeout and services. Simplify your digital life for fewer online purchases and subscriptions.
Life Kit – How to start running in the body you have
  • Many people struggle with their inner critic: “I’m not a runner.” Name that inner critic and tell it to chill out.
  • Gear: pick up a new pair of running shoes. Go to a running specialty store and get a gait analysis/shoe fit. Get shorts and t-shirts. Avoid chafing by not wearing cotton socks and by wearing body lube.
  • Blisters on your feet when you run can signal that you have the wrong shoes or wrong socks. Cotton socks can stick to your feet from the sweat and can create friction that causes blisters. Synthetic fibers (polyester or bamboo fiber are best).

Signs you’re wearing the wrong running shoes:

  • If you’re going on your first run, start by walking for five minutes to get yourself warmed up and mentally together. You can start by running for 15 seconds and then walking for 1 minutes and slowly build up to longer run times and shorter walk times. Every two weeks, try to increase the intensity.
  • Your natural form is special to you. Form tips: don’t clench your fists, loosely close your hands, don’t look down, look at the horizon 6-8 feet in front of you, and do belly breathing.
  • On the days when you are not running, cross-train. Exercise your body in other forms that aren’t specific to running, such as cycling, yoga, or lifting weights. Many of us sit on our butts all day, so we need to strengthen our glutes. Make sure you are doing exercises for your glutes: glute bridges, banded clam shells, squats, leg raises, etc.
  • If you are having issues with time, start with 2 days of running and 1 day of cross-training each week. Then, build up to 3 days of running and 2 days of cross-training. Get creative with your time. Can you work out while watching tv?
  • After a while, you will start to notice that running is either not as hard as it used to be when you started, or you will realize that you hate it just as much as you did when you started. If you still hate running after a while, take up something else – cycling, paddle boarding, walking, swimming, etc. Regular exercise is vital.
  • Running affirmations: No struggle, no progress. I’ll run if I have to run by myself. Your race, your pace. This is hard, but I can do hard things. Slow is steady, and steady is fast.
Fit, Healthy & Happy Podcast – 50 Biggest Takeaways from 500 Episodes of Health & Fitness Podcasts

I won’t cover all 50, but here are those that most resonated with me:

  • By changing nothing, nothing changes.
  • Read more and learn more. Reading non-fiction books will change your life. You don’t have to agree with everything in each book, but if you find one golden nugget that you can take with you to make you a little bit better, you will become your best self.

Choose your hard. Being overweight is hard, working out is hard, sleeping in is hard, waking up and getting everything else done is hard. Which hard are you going to choose? Choose the hard that will make you feel your best.

  • Be on a routine that involves progressive overload.
  • Don’t eat out of boredom. Decide if you’re truly hungry.
  • You can’t out-exercise a bad diet. You need to focus on both nutrition and fitness.
  • Work hard and don’t look for shortcuts. A lot of your problems can be solved with

Eat until you’re satisfied, not until you’re stuffed.

  • A clear space = a clear mind. Declutter.
  • Stop hitting snooze! Hop out of bed and make the first decision for your day.
  • Comparison is the thief of joy. Someone is always going to look better than you. Focus on your journey and your growth.
  • Your self-worth isn’t how you look. Instead of being focused on how you look, focus on longevity, strength, and many other traits.

You could be good today. Instead, you choose tomorrow. Get started right now. Not all of the conditions are going to be perfect during any given day.

  • Work hard and don’t look for shortcuts. A lot of your problems can be solved with hard work. Shortcuts are rarely the answer.
  • Discipline trumps motivation. Don’t rely on motivation. Show up every single day.
  • Purpose over pleasure. Think of long-term goals.
  • Dropping one vice can give you amazing results.
  • Small changes and habits + consistency each day = substantial results over time. The power of the compound effect

If you don’t fight for what you want, you deserve what you get. Choose your hard.

If you don’t make time for your wellness, you will be forced to make time for your illness.

The Accidental Creative with Todd Henry – 10 Questions for Finding Your Voice
  1. What angers you? Are there specific things that evoke a compassionate anger in you? We’re talking about the things that evoke a desire to intervene in a situation as an act of compassionate or to rectify a great wrong.
  2. What makes you cry? What moves you with emotion? Think about the last several instances that caused you to cry.
  3. What have you mastered? Are there tasks, skills, or opportunities that you have simply mastered and can do without thinking? Start with what you do well, and work your way toward your goal.
  4. What gives you hope? What do you look forward to? What great vision do you have for your future and the future of others?
  5. As a child, what did you want to be when you grew up? That can give us insight into the deeper seeds of fascination that may still reside within us.
  6. If you had all the time and money in the world, what would you do? We believe that a lack of resources is the obstacle to our happiness and fulfillment, but for many of us the limitation has nothing to do with a lack of money or time. The limitation is our fear of falling short of our own self-perception.
  7. What would blow your mind? List out everything that would thrill you if it were to happen, including relational things, business things, travel, ambitions, hopes, etc. It’s a great way to identify patterns in your motivation.
  8. What platform do you own? What platform do you already have for self-expression? What foundation can you build on to begin affecting the kinds of change you’d like to see?
  9. What change would you like to see in the world? If you could identify a single thing you would like to see before you die, what would it be? You may not be the one to lead this change, but you may be able to play a significant role in it.
  10. If you had one day left, how would you spend it? What questions would you ask? Who would you spend time with? What work would you do? This is a way to begin identifying patterns within your passions, skills, and experiences.
Conscious Fertility – Endometriosis: It’s More Than Period Pain with Shannon Cohn
  • If you have symptoms that interfere with your life, that cause your day to go differently (limitations to school/work/activities you enjoy doing), that is not normal. If the period pain is so bad that it interferes with your daily life, that should be investigated. GI symptoms are also common with endometriosis. People are generally told they have IBS. If you are experiencing nausea, fatigue, pain, migraines, and a lot of GI issues, talk to your OBGYN and advocate for yourself. Symptoms to look for: digestive issues- constipation, diarrhea, pain with bowel movements, severe bloating, body pain, menstrual pain, pain with intercourse, infertility
  • The only definitive way to diagnose endometriosis is a surgery (laparoscopy). An excision surgery is the most important treatment option. Exercise, diet, and birth control alone cannot heal endometriosis.
  • Resource: https://endowhat.com/

https://www.pbs.org/video/below-the-belt-the-last-health-taboo-wmzdvy/

This is a link to a PBS special covering endometriosis.

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

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday – June 22, 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:

NerdWallet’s Smart Money Podcast – The Price of Parenthood: What It Costs to Be a Parent

115,000 children were adopted in the United States in 2019. The number of adoptions dropped in 2020 to just over 95,000.

391,000 children are currently in foster care in the United States waiting for homes.

Paths to parenthood include:

  • traditional parenthood
  • surrogacy
  • foster care to permanent placement/adoption
  • private adoption through an agency or independent adoption

This podcast primarily focused on adoption. Here are some take-aways:

  • Adoption through an agency generally costs $40,000 or so, and it is paid in installments (a certain amount to get started, more after the home study is completed, and more after a placement). In addition to the agency costs, you will need to pay legal fees. Attorney fees vary widely from about $4,000-$15,000.
  • It takes an average of 2-3 years to complete the adoption process.
  • When waiting for a placement, you should be ready with baby stuff, but you should keep it out of sight. Don’t create a baby room. It will remind you of the waiting.
  • Be aware and be emotionally prepared for how long the process can take. Many people wait years.
  • Insurance companies generally do NOT cover adoption expenses. Many people spend over $40,000 to adopt – the price of a new car! Check your employer’s adoption assistance programs and benefits. The government also offers a federal adoptive tax credit. In 2023, the credit was $15,950. This is a tax refund, not a deduction.
  • When considering finances, also have an understanding of your future expenses, such as added costs of groceries, transportation, childcare, and saving for higher education.
  • Do your research and make sure you can cover the adoption expenses or have a plan for it. Be sure to include legal fees on top of the agency fees. You will need a lawyer to get the adoption formalized through the state. Evaluate your finances and research additional resources, such as grants, personal loans, and fundraising.

Questions to consider:

  • Domestic or international adoption? Adopting a newborn is only possible domestically. You will receive a more comprehensive medical history with domestic adoptions. Many adoptive parents who don’t want contact with the birth parents choose to adopt internationally.
  • Foster system – This is the most affordable path to adoption, but does not always guarantee a permanent placement.
  • How much do you want to know about the child prior to adoption? Open adoptions grant adoptive parents access to more background information about the child’s family and provide an opportunity to ask questions.
  • Private agency vs. independent adoption – you can go through an agency and have someone do most of the work for you, or you can try to find your own “match”

This chart is 10 years old, but gives a better picture of the breakdown of costs.

TED Health – The bias behind your undiagnosed chronic pain

Studies have shown that, regardless of insurance and income status, racial and ethnic minorities received worse care. When it comes to pain, research shows that bias extends beyond minorities to include women and even children.

  • Pain is often dismissed. Many women are told the pain is “all in their heads.” Pain is in everyone’s heads because pain can’t take place without our brain.
  • Not all pain is related to tissue damage. You can have real pain with no physical injury or source. Pain can’t be measured by a lab test.
  • Pain is subjective and doctors must begin by identifying its source. When there is no source, it becomes open to interpretation, which becomes open to implicit bias.

Women are more likely than men to be prescribed anti-anxiety medicines than painkillers when complaining of the same pain as men do. Clinicians often suggest psychosocial causes or stress for women when they order lab tests for men with the exact same symptoms.

What can be done? We can begin by identifying our stereotypes and rewrite the stories of the people we meet. Are you treating men and women differently? Are you treating different cultures or races differently?

Physicians, make sure you aren’t writing a story that the patient hasn’t told you yet. It is your duty to replace the undiagnosed bias with empathy.

Finding the right doctor may feel a bit like dating. You may need to swipe through a few to find the right one for you.

The VeryWell Mind Podcast – Friday Fix: The Best Tool for When You Feel Overwhelmed

There are always going to be multiple things vying for your attention, especially in the age of social media and phone notifications. You will always also have your own personal to-do list.

Stop underestimating how long a task is going to take. We consistently underestimate and then get frustrated when we don’t get everything done that we want to get done.

Prioritize what should get done first. Our attention is often drawn to time-sensitive tasks that are less urgent. When you’re busy and overwhelmed, you’re likely to prioritize other tasks that come along with other tight deadlines because you’re already feeling busy. When you feel frenzied, you’d do frenzied things. Introduce rational thinking into the mix with the Eisenhower Matrix. Sort tasks by urgency and importance.

People tend to do the fastest tasks first. People might do urgent things first even though they don’t need to get done. It’s easy to get distracted by the new tasks that come in even though they don’t need to get done.

Life Kit – Ultra-processed foods are everywhere. Here’s how to avoid them
  • Pick up a packaged food at the supermarket and you’ll start to notice the same things: high levels of salt and fat, added sugars, added colorings, added flavors, hydrolyzed protein isolates, high fructose corn syrup, bulking agents like maltodextrin, etc.
  • Read the ingredient list! Ignore the health claims and read the ingredient list instead. If it includes ingredients you don’t recognize and wouldn’t have in your kitchen, it’s usually an ultra-processed food.
  • Overconsumption of ultra-processed foods results in increased risk of type 2 diabetes, obesity, hypertension, dying from cardiovascular disease, dying prematurely from all causes. These foods tend to have a lot of added salt, sugar, and fat.
  • Ultra-processed foods can result in not eating enough fiber. Many ultra-processed foods have added sugars that aren’t needed.
  • If you like salty, crunchy snacks, think about nuts (good source of fats, proteins, and fiber). If you love breakfast cereals, look for something with protein and fiber and fewer ingredients. If you like yogurt, look for something with low or no added sugar and add some berries to sweeten it or look for something with added protein.
  • Cooking more from scratch is a better option to avoid ultra-processed foods. Focus on things you know you should be eating more of, such as fruits and vegetables. For canned vegetables, you can rinse them and let them drain to reduce sodium.
  • Truefood.tech – this is a neat website where you can look up food brands and see how processed your food is. It will also suggest less processed alternatives.
  • Aim to fill your diet with fruits, vegetables, lean meats, whole grains, and some dairy (unless you have allergies). 80/20 Rule- 80% of the time, aim to eat clean.
Frugal Friends Podcast – What We’ve Learned From 75+ Real People Budgets
  • Stay out of the grocery store. Order your groceries online to prevent impulse purchases. If you shop in store, commit to only going once each week. If you forget an ingredient, go without. This will prevent impulse purchases.
  • Check your calendar before you make a budget.
  • Track all of your expenses!
  • Limit time on social media. People use it to highlight what they don’t have and are more likely to make impulse purchases. You’re only seeing the best of the best, not people’s physical, emotional, mental, or relationship stress when it comes to finances.
  • Remember that different people may have different priorities than you do. Their financial situation might look better, but it may not be better for you. Ex: working long hours, having a family, debt, etc.
The Accidental Creative with Todd Henry – Managing Expectations (For Yourself and Your Team)
  • Team members may resent one another and be unable to articulate why. In reality, it’s because there are unmet expectations that may have never been spoken. This doesn’t have to be related to work; it can happen in your personal life, too.
  • Think about a moment in your life when you’ve experienced conflict. How much of the conflict was sourced in expectations that you had of the other person? Were those expectations ever communicated to the other person? The majority of conflict in the workplace is the result of missed expectations. Someone expects something from a team member, customer, or stakeholder, but the expectation was never clearly communicated and agreed to by the other party.
  • We often hold grudges of which the other party is completely oblivious. These corrode our ability to collaborate.
  • Have you communicated your expectations in a clear and empathetic way? Don’t carry the pointless burden of the unmet expectations of others. There’s enough on your plate!
  • On a personal level, you probably have expectations of yourself that you aren’t even aware of. Learn to make agreements with yourself that you can actually keep. Many of us make agreements not based on what we think we should do, but what others think we should do. Identify agreements that you have made with yourself that you may be unaware of.
  • Many creatives live with perpetual guilt because they feel they aren’t doing enough, they’re failing by some arbitrary metric, or feel like they’re falling behind because they’re letting other people establish what getting ahead looks like. They believe they aren’t disciplined because they’re living by someone else’s metric. Who set that metric? Who decided what success or failure looks like for you?
  • What do you truly expect yourself to deliver on today? Do you have an accurate assessment of expectations for yourself? Are you living according to someone else’s metrics? Don’t allow others to “ought” and “should” you into feeling guilty about your level of discipline.
  • Assess, commit, and achieve. Discipline is making a commitment with yourself and keeping it.
  • Leadership is about risk mitigation. Great leaders understand that the goal is to accomplish what they can while mitigating the potential downside – keeping the team in the game.
  • Because of the risk involved, many leaders become less than clear about their expectations for the work or for the team. They may speak in vague terms or give opaque direction because they themselves are not certain of the right decision. They want to project themselves into a situation and protect themselves from a mistake, so they lack precision when they communicate. A few team dynamics emerge. Team members wait until you tell them what to do before actually starting their work. Dissonance emerges as each team member interprets what you want, sometimes leading to misalignment and disjointedness among those responsible for executing the work. Dissonance is a gap between the “why” and the “what.” Team members need leaders to be precise about expectations. You need to be clear even when you are uncertain.
  • Aim to use precise language and precise expectations – be clear about what you want, when you want it, who will do it, why it matters, and what the outcome will be if you are successful. All effective expectations include assignment of responsibility, articulation of a timeline, and accountability for results. If your expectations don’t include all three, you aren’t being precise enough.
  • Aim for precise objectives. Where are you leading the team? How will you know you’ve arrived? Why will any of it matter in the long run? Team members need to know that you have clear objectives in mind, you are aware of the obstacles you are going to encounter, and you have a plan to overcome them. You must be clear about where you are leading the team in spite of your personal insecurities.

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