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1. Take stock of your current financial standing. List your assets against your liabilities to figure out where you are financially right now. Are you financially in the red or black?
2. Set financial goals based on your current situation.
3. Make financial decisions based on those goals.
You can now filter the firehose of information on investments based on where you are (assets and liabilities) and where you want to go (financial goals). This is not always easy to do, but it is simple and effective.
My wife and I learned this valuable lesson the hard way almost 20 years ago when we were convinced by a savvy salesperson that we should invest in a variable universal life insurance policy.
The salesperson scored himself five or so years of excellent commissions until we really recognized that this "investment" matched his goals way more than ours. We then ended our relationship with this salesperson and have followed this process with more success than failure since.
As in sitting at a poker table. If you cannot figure out who's the patsy sitting at the table, it's likely you.
Cool discovery. It wasn't mentioned in the article, but I've got to imagine there are potential gains for roadmaking in places like Michigan, where we use salt, as an ice melt for about a third of the year.
What exactly are your fasts like? I've done 72 hour fasts twice now. No calorie intake, just water and tea. They felt surprisingly good. Not something I'd call fun, but a challenge that opened my eyes to my body's resilience. I'm planning on a third one this month.
Good news for me mk. Must be on the left temporal lobe where this processing goes on. As I am down one large piece of my right anterior temporal lobe and my right side hippocampus to boot, any increased understanding of the brain by science is good news to me.
I've always been excellent at recognizing faces, and still continue to do so, post-glioma treatment, but I've always wondered if I'll have a decline in my ability to do so as a result of the cancer and treatments.
My guess is, that I shouldn't have too much of an issue in the near future.
I would hate to lose the left hippocampus though, I'd end up with retrograde amnesia. No way to store new memories. That would suck.
Yeah, I thought that would be problematic as well. Turns out that calcium is plentiful in kale, broccoli, and sardines. I will occasionally have some cheese, if my kids are begging for pizza and I don't have a simple alternative.
Surprisingly, I've found that cutting dairy has surprisingly reduced any acne that I ever have. I'd read that acne is exacerbated in some folks by dairy. Turns out that that I was one of those people.
I can now put lotion on my face without breaking out all around my forehead. Definitely helpful in the dry winter weather, and in summer when using sunscreen.
WTF? I saw the video of the cop shooting Castile for the first time yesterday. Is there something we're all missing? Where was the officer ever in danger? Where is the officer's rational explanation of why deadly force seemed necessary? The officer knew a child was in the car. Wouldn't that have dramatically reduced his inclination to use deadly force? What sort of training do these officers get in de-escalating tense situations? Why has that not been mentioned?
Veen has some excellent opinions and they should be more popular than they are.
Does that qualify? Or, am I just taking the easy route?
Cool story. Thanks.
Had a friend living in Richmond, Va about 15 years ago. He was at a party. A guy recognized him as a Yankee (my friend is from Detroit) and the guy starts chatting him up asking my friend,"You guys (Yankees) talk about the war much?"
My friend tells me he's thinking of the debacle in Iraq, when the Richmond native says incredulously,"No man, You guys talk about the Civil War much?"
Some folks cannot let stuff go, I guess.
Agreed. I believe, having taught 10-15 year olds for 19 years, I believe that it's a human condition that predisposes us to turn our fear into half-baked reasoning.
People, driven by fear of the unknown, grasp on to the most nonsensical belief systems and pseudo sciences.