BeamerBikes

I was in my early 20s and spent more than half of 2002 unemployed. Then in 2007 - 2010, I waited it out doing caregiving by choice. 
My advice 
1) Don't assume you're safe ever. 
2) Build an Emergency fund AND evaluate all spending before you NEED to cut back. 
3) if the office plants go missing, banker boxes show up in the hallways, budgets get hard frozen for even small things, those are signs somethings coming. 
4) Getting laid off in the first wave has its perks.  Sticking around to continue your job AND the folks who just got canned for the same pay is a bad deal. You don't have to go down with the ship either. 
5) if the company doesn't pull out of it, the retention and severance packages likely will get worst! 
6) Living through Termination Tuesday's and Fuck You Fridays is soul crushing. Yes, companies will gradually and regularly shed staff on the way down the drain. Watching Survivor is better than being a contestant. 
 

I was in my early 20s and spent more than half of 2002 unemployed. Then in 2007 - 2010, I waited it out doing caregiving by choice. 
My advice 
1) Don't assume you're safe ever. 
2) Build an Emergency fund AND evaluate all spending before you NEED to cut back. 
3) if the office plants go missing, banker boxes show up in the hallways, budgets get hard frozen for even small things, those are signs somethings coming. 
4) Getting laid off in the first wave has its perks.  Sticking around to continue your job AND the folks who just got canned for the same pay is a bad deal. You don't have to go down with the ship either. 
5) if the company doesn't pull out of it, the retention and severance packages likely will get worst! 
6) Living through Termination Tuesday's and Fuck You Fridays is soul crushing. Yes, companies will gradually and regularly shed staff on the way down the drain. Watching Survivor is better than being a contestant. 
 

I was in my early 20s and spent more than half of 2002 unemployed. Then in 2007 - 2010, I waited it out doing caregiving by choice. 
My advice 
1) Don't assume you're safe ever. 
2) Build an Emergency fund AND evaluate all spending before you NEED to cut back. 
3) if the office plants go missing, banker boxes show up in the hallways, budgets get hard frozen for even small things, those are signs somethings coming. 
4) Getting laid off in the first wave has its perks.  Sticking around to continue your job AND the folks who just got canned for the same pay is a bad deal. You don't have to go down with the ship either. 
5) if the company doesn't pull out of it, the retention and severance packages likely will get worst! 
6) Living through Termination Tuesday's and Fuck You Fridays is soul crushing. Yes, companies will gradually and regularly shed staff on the way down the drain. Watching Survivor is better than being a contestant. 
 

I was in my early 20s and spent more than half of 2002 unemployed. Then in 2007 - 2010, I waited it out doing caregiving by choice. 
My advice 
1) Don't assume you're safe ever. 
2) Build an Emergency fund AND evaluate all spending before you NEED to cut back. 
3) if the office plants go missing, banker boxes show up in the hallways, budgets get hard frozen for even small things, those are signs somethings coming. 
4) Getting laid off in the first wave has its perks.  Sticking around to continue your job AND the folks who just got canned for the same pay is a bad deal. You don't have to go down with the ship either. 
5) if the company doesn't pull out of it, the retention and severance packages likely will get worst! 
6) Living through Termination Tuesday's and Fuck You Fridays is soul crushing. Yes, companies will gradually and regularly shed staff on the way down the drain. Watching Survivor is better than being a contestant. 
 

I got some good traffic.  I have a younger neighborhood sandwiched between an elementary and middle school.
Now I'm looking at too much leftover candy and thinking this isn't going to be good for any semblance of a diet.  

I first read that as Colon Blow the SNL skit! 
Metamucil is a friend in my 40s and after a few GI surgeries. 

My second dose got less of a reaction and faded quicker than the first.  The woman who administered the second one said many people have a lesser reaction to dose #2.  

Also there's a better chance the fixed rate may inch up from the current fixed 0% at the next rate adjustment.  
Finding the bright side for those a smidge late.  You could have a higher fixed rate for longer.  The variable rate tied to inflation adjusts every 6 months. 

Also there's a better chance the fixed rate may inch up from the current fixed 0% at the next rate adjustment.  
Finding the bright side for those a smidge late.  You could have a higher fixed rate for longer.  The variable rate tied to inflation adjusts every 6 months. 

I mask up at airport lines, airplanes, healthcare facilities that mandate it. As it turns colder again in the Chicago area, I'm reminded how the mask actually feels better if I forgot my scarf outdoors. LOL. 
I also n95 masked up regularly indoors in the weeks ahead of my recent surgery. Didn't want to risk having to reschedule that.  
Mask or don't mask. For me - it's personal preference and local site rules.  I vax'd up now covid 3x + 1x bivalent. 1 dose of Jynneos waiting 2nd one. Flu shot as well. Cause fuck it why not?  How many times did I eat or drink to excess in my life? It's a little late to get self-righteous about me being healthier than others.  Also, I trust vaccines when applicable so let it rip. 

I mask up at airport lines, airplanes, healthcare facilities that mandate it. As it turns colder again in the Chicago area, I'm reminded how the mask actually feels better if I forgot my scarf outdoors. LOL. 
I also n95 masked up regularly indoors in the weeks ahead of my recent surgery. Didn't want to risk having to reschedule that.  
Mask or don't mask. For me - it's personal preference and local site rules.  I vax'd up now covid 3x + 1x bivalent. 1 dose of Jynneos waiting 2nd one. Flu shot as well. Cause fuck it why not?  How many times did I eat or drink to excess in my life? It's a little late to get self-righteous about me being healthier than others.  Also, I trust vaccines when applicable so let it rip. 

I mask up at airport lines, airplanes, healthcare facilities that mandate it. As it turns colder again in the Chicago area, I'm reminded how the mask actually feels better if I forgot my scarf outdoors. LOL. 
I also n95 masked up regularly indoors in the weeks ahead of my recent surgery. Didn't want to risk having to reschedule that.  
Mask or don't mask. For me - it's personal preference and local site rules.  I vax'd up now covid 3x + 1x bivalent. 1 dose of Jynneos waiting 2nd one. Flu shot as well. Cause fuck it why not?  How many times did I eat or drink to excess in my life? It's a little late to get self-righteous about me being healthier than others.  Also, I trust vaccines when applicable so let it rip. 

I mask up at airport lines, airplanes, healthcare facilities that mandate it. As it turns colder again in the Chicago area, I'm reminded how the mask actually feels better if I forgot my scarf outdoors. LOL. 
I also n95 masked up regularly indoors in the weeks ahead of my recent surgery. Didn't want to risk having to reschedule that.  
Mask or don't mask. For me - it's personal preference and local site rules.  I vax'd up now covid 3x + 1x bivalent. 1 dose of Jynneos waiting 2nd one. Flu shot as well. Cause fuck it why not?  How many times did I eat or drink to excess in my life? It's a little late to get self-righteous about me being healthier than others.  Also, I trust vaccines when applicable so let it rip. 

Yeah, the I bonds best fixed rate was around 3.5% from the mid to late 90s.  She may be referring to EE bonds for those high fixed rates.  
With I bonds, As long as the fixed rate is something and inflation doesn't reverse, it should pay something in any given year.  In the future, it may make sense to trade up to a higher fixed rate from zero.  
I'm viewing these as my future booze and stripper money in my 60s.  I will have my retirement acct and savings.  Viewing the bonds as the ultimate oh shit fund. By my 60s, I won't be able to take it with me so might as well put the money to work for my entertainment. 

So updates - summer is starting to wind down. The provider has now gone silent but hopefully is in a treatment program.  He went off the rails with full on delusions. 
The buddy who drank himself into some brain damage now is facing a possible eviction. He's also having cash flow problems because he's purposefully flowing cash to a P.o.S on/off again bad news ex-bf/hubby who's toxic af.  With that, I have to walk away. Buddy won't come clean about that being where the money is going, won't accept help with his finances, doesn't want to face facts about the landlord situation.  Best I could do was involve his family and let them know I'm out of options as his "in case of emergency"/poa.  Power of attorneys only work if the person wants the help.  Otherwise, I'd have to pursue declaring him incompetent.  I don't have it in me to fight that hard even if they may not be fully in control of their cognitive functions.  I have done a helluva more than others would have, and need to make peace with walking away. 
Lesson for all - the lies we tell ourselves are the worst of them all. Love yourself enough to cut out toxic exs and never let them back in your life. No matter how much you may be lonely. It's cheaper to get a pet.  
Sometimes the only thing left to do is set your own boundary not to get sucked into the eventual train wreck. Recognize when you have done all you could, and jump off before you get entangled in it any further. 

Sadly, I agree best fit for your purposes would be a hybrid option. Electric for 30 miles and less, then ICE takes over. I'm not crazy about them because it seems like 2 different power trains that could break and more complexity to work together. 

2021 XC40 Recharge all electric with a 78kWH battery. 
Pros:
Fun to drive (nimble) Great acceleration 0-60 in 4.7 seconds. Decent Range of 160-220 miles costing about $2 to $4 per charge-up at home DC fast charging stations along most interstates Level 2 - 240VAC chargers access is better in most cities/suburbs now.  Sometimes free. Low cost to drive (low maintenance, no combustion engine) Brakes last longer because it will regen using the motor to charge the battery Lots fewer engine/transmission parts to break For daily driving, never need to go to gas station or even a non-home charging station.   Green - pro-environment (I know we need to burn carbon to charge(still more efficient than running small engines), over time can be replaced with wind solar and non-carbon fuel sources) Cons:
Long trips take a little planning with an app of course.  Estimate that for every 150 miles, you're going to stretch/grab a bite to eat/etc for about 30 minutes.  Fast Charging station networks need to be built out.  Fast charging will cost more to "fill up" but only used on road-trips.    This is not the car for you YET if you expect to routinely travel across the Great Plains/Rockies. Don't expect to use the standard wall outlet for charging everyday You'll want to install an 240VAC circuit for at-home charging. I can fully charge on 240VAC (North America) within 8 hours or so.    Stated "range" is misleading, basically only achievable under perfect conditions Ask drivers before buying what their driving style and realistic range is.   Do NOT buy a new EV without DC Fast Charging option.  Seriously research if you're buying an used EV without DC fast charging, it's most definitely NOT a car you will want to take on a road-trip 100+ miles at a stretch.   

Reference The Grand Budapest Hotel - Whatever we don't spend on Whiskey and Whores all shall be yours.  

Yeah, the I bonds best fixed rate was around 3.5% from the mid to late 90s.  She may be referring to EE bonds for those high fixed rates.  
With I bonds, As long as the fixed rate is something and inflation doesn't reverse, it should pay something in any given year.  In the future, it may make sense to trade up to a higher fixed rate from zero.  
I'm viewing these as my future booze and stripper money in my 60s.  I will have my retirement acct and savings.  Viewing the bonds as the ultimate oh shit fund. By my 60s, I won't be able to take it with me so might as well put the money to work for my entertainment. 

So updates - summer is starting to wind down. The provider has now gone silent but hopefully is in a treatment program.  He went off the rails with full on delusions. 
The buddy who drank himself into some brain damage now is facing a possible eviction. He's also having cash flow problems because he's purposefully flowing cash to a P.o.S on/off again bad news ex-bf/hubby who's toxic af.  With that, I have to walk away. Buddy won't come clean about that being where the money is going, won't accept help with his finances, doesn't want to face facts about the landlord situation.  Best I could do was involve his family and let them know I'm out of options as his "in case of emergency"/poa.  Power of attorneys only work if the person wants the help.  Otherwise, I'd have to pursue declaring him incompetent.  I don't have it in me to fight that hard even if they may not be fully in control of their cognitive functions.  I have done a helluva more than others would have, and need to make peace with walking away. 
Lesson for all - the lies we tell ourselves are the worst of them all. Love yourself enough to cut out toxic exs and never let them back in your life. No matter how much you may be lonely. It's cheaper to get a pet.  
Sometimes the only thing left to do is set your own boundary not to get sucked into the eventual train wreck. Recognize when you have done all you could, and jump off before you get entangled in it any further. 

Medallion stamps open the bank to additional liability.  Notaries only attest that you are the person in front of the notary.  Medallion stamps in my understanding attest that both the person is who they say they are AND the documents are in proper order - non-fraudalent. 
Hence Medallion stamps are so hard to get processed unless you are a customer of a brick/mortar branch. The bank wants a known way/contact information to put any liability back on the individual rather than eat it themselves as a cost of doing business.

Dunno where I want to go with this post. 
Just a general frustration. I've encountered a handful of great guys (friends, bfs, and providers), who ended up in the throws of addiction.  If they overcome and manage to make it into recovery, they end up significantly different than before.  
Most recent is a provider who was on the wish list. He had PnP in the profile and that was always why he stayed in the wish list rather than take a chance and hire.  Sadly, a recent peak at his Twitter shows him having full-blown paranoia delusional events. CIA, FBI, CISA(actually a bit impressed that he found this agency), etc.  
Summer 2020, I reprised a caregiver role as one of my gay "dad's" partially recovered after getting lost in the bottle. He drank himself into a months/year long stupor that resulted in a rare condition that resulted in permanent brain damage. He's a shell of his former shelf.
I've been in my adult years for 27 years now. Seeing friends/loved ones go through addiction whether it be alcohol or drugs is one of the harder parts of adulthood. 

Hiring can turn into an addiction with the right circumstances/personalities involved.  Long term harm could be transactional view for all relationships and going broke/into debt. 

Dunno where I want to go with this post. 
Just a general frustration. I've encountered a handful of great guys (friends, bfs, and providers), who ended up in the throws of addiction.  If they overcome and manage to make it into recovery, they end up significantly different than before.  
Most recent is a provider who was on the wish list. He had PnP in the profile and that was always why he stayed in the wish list rather than take a chance and hire.  Sadly, a recent peak at his Twitter shows him having full-blown paranoia delusional events. CIA, FBI, CISA(actually a bit impressed that he found this agency), etc.  
Summer 2020, I reprised a caregiver role as one of my gay "dad's" partially recovered after getting lost in the bottle. He drank himself into a months/year long stupor that resulted in a rare condition that resulted in permanent brain damage. He's a shell of his former shelf.
I've been in my adult years for 27 years now. Seeing friends/loved ones go through addiction whether it be alcohol or drugs is one of the harder parts of adulthood. 

Hiring can turn into an addiction with the right circumstances/personalities involved.  Long term harm could be transactional view for all relationships and going broke/into debt.