Author Topic: "As your attorney, I advise you to take a hit out of the little brown bottle....  (Read 152377 times)

aperture

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Hey specialists and professionals - what free advice do you give to your family and friends that you wish the world understood and acted on routinely?  

I am a pharmacist in behavioral health. Here are three things I would tell everyone:
(1) If you take a sleeping pill every day, you will train your body (a la Pavlov) to have chronic insomnia. (You can unlearn this but it is hard). So, don't start the pills. Learn some simple cognitive and behavioral techniques to deal with bad sleep.  Learn the names of planets and stars, take up landscape photography, or do something else creative with your nights when you cannot sleep.  Catch up on the sleep tomorrow. 
(2) You might have ADHD and only be realizing it now at the age of  40 to 65.  On the other hand, that stimulant medication (e.g. Adderall, Vyvanse, or Ritalin) that you want to try has not really been tested long term for safety in people your age, nor with your heart, blood pressure, diabetes, etc. conditions.  One day when researchers get around to looking backwards at your generation of ## year olds (one of whom will be you), they may show that stimulants (which accelerate heart rate and elevate blood pressure) had no impact whatsoever on mortality and heart attacks, but I am not willing to take that risk, and neither should you. Alternative to taking that stimulant? Look back on all the ways you learned to function with ADHD, and without taking a drug.  Keep doing those things, and invest in learning additional techniques.  Kick some ass and keep your heart and brain working the old-fashioned way. 
(3) According the the World Health Organization, anxiety affects something like 25% of workers worldwide (not sure how many REs).  The choice of treatment for anxiety has been undergoing change. Old-school types are still using benzodiazepines like alprazolam, lorazepam, clonazepam and diazepam. (You can bring your anxiety from doctor to doctor and eventually one will offer you lots and lots of these pills.) BUT - benzodiazepines are not so great.  In addition to shutting down anxiety, they shut down lots of other parts of your brain.  In fact they work on GABA, a diffusely spread neurotransmitter whose primary role everywhere in the cortex is to turn stuff off.  Benzodiazepines are a dimmer switch for your brain.  When you dim your brain, you lose the ability to learn, to grow and to move past the anxiety.  People on benzodiazepines are more likely to have motor vehicle accidents and old people on these drugs fall over and get hurt 3-4x more often then old people not on these drugs. So what is the alternative? I would suggest you invest in some solutions by doing about 6 - 10 weekly sessions of manualized cognitive behavioral therapy. If you can't find that or you really want to take a pill, try an anxiolytic antidepressant like Prozac, Zoloft or Effexor. Leave the benzodiazepines out of your medicine cabinet. 

Want one more freebie: OK here it is.  If you have a mental illness like depression or anxiety or bipolar, you are not doing yourself any favors by drinking booze or smoking pot.  Instead of one more trial of a different antidepressant or a new augmenting drug, try giving up the booze and/or the pot.  Give it up for 12 weeks and see if the world is a little brighter place.  (Pro tip: if you cannot quit for 12 weeks, you should talk to your doctor about whether you have a problem. Double Pro Tip: if you want to really find out if you have a problem, be honest with your doctor and make sure she doesn't have her own substance related problem).


Best wishes all, Ap.

Bucksandreds

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Agree on benzos.  Anyone who has taken a benzodiazepine within the last year is twice as likely to die as someone who has not.  Marijuana is terrible for those with mental health issues. Adderral for the adhd sufferer who is prepping for the ACT is one thing. Chronic use is another. I have generalized anxiety. Lexapro has by far been the best medicine for me.

Nickels Dimes Quarters

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If you work in a profession that requires a state (or multiple states) license, keep abreast of actions by that state board. Changes are made continuously that will affect (maybe adversely) your ability to practice. Every state is likely to have different variations of the laws you will be bound to.

Don't be afraid to push back if something "off" arises. If a complaint or charge is filed against you, hire an attorney. Always.

NDQ

lizzzi

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As an RN since 1971, some things that come to mind (because I swear I've seen it all), are: Don't smoke. If you do smoke, don't beat yourself up, but try your best to cut down or stop. Alcohol is OK (assuming you can handle it), but don't drink too much. Eat a reasonably healthy diet, in reasonable amounts but don't drive yourself crazy over diet. (Possible exception is if you are diabetic. Keep those blood sugars as normal as possible over the long term.) Get some fresh air and exercise, get some sleep. Attitude is everything as you go through life. Just relax, enjoy yourself, be happy, be nice to yourself and those around you. Smile. Enjoy the moments.

A couple other thoughts that may not apply to people on this forum: Don't do the bad stuff like heroin, crystal meth, etc. Very, very bad for you. Also try to avoid prostitution. Very hard on the body and bad for your physical health.

HipGnosis

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Backup your computer.  Do it routinely.
I believe the best way is to back up your operating system and data separately.  This is much easier to do if you keep your operating system and data on separate harddrives.
I do incremental data backups quarterly and full backups between Xmas and Newyears.
And keep all the disks that came with your system, accessories and programs.
And keep your anti-virus updated. 

Sibley

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Well, this is a no-brainer for this community...

Balance your checking account monthly, review credit card activity weekly.
Don't carry large amounts of cash.
Don't pay bills late.
Don't lose your tax forms and old tax returns.
Learn the basics of how taxes work, enough so that you can look at your tax return and see if anything is obviously wrong.

BFGirl

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Do a Will and other estate planning documents.  Don't use the forms you find online or it will usually cost you or your family more in the long run.

bobechs

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Balance your checking account monthly, ...

Don't lose your tax forms ....


Not filed returns; just old blank forms, right?

You are joking, aren't you?

MustachianKentuckian

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Can you elaborate on why the online forms are bad for wills?  Was going to do one soon and was going to use online form.

I'm an accounting manager and i think any advice I could give this forum is what most folks are already doing.  :)

onlykelsey

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I'm an attorney.  My main advice would be: Suing people is rarely productive, and don't underestimate the costs of being involved in a lawsuit (on either side).

In my condo, some owners' answer to everything is to threaten to lawyer up, or engage in behavior that FORCES the board (as a fiduciary) to lawyer up.  Even our relatively cheap lawyers cost $300-400 an hour. Add paralegals, discovery, court fees, etc, and you can't do anything for less than 50K, which we will have to pay.  It is rarely a good solution.

DeepEllumStache

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I'm an accounting manager and i think any advice I could give this forum is what most folks are already doing.  :)

I'm in Finance, so similar situation.

The only advice I have is to check your bill occasionally on recurring services to make sure everything matches your expectations.

Also if you receive a surprise bill, check the invoice to see what's going on and then call in to understand it. I recently got billed by my own company and it turns out that the bill was for a service I'd cancelled 2 years ago but the systems didn't talk to each other and kept billing $2 in taxes a month. Weird stuff happens. It's in no way malicious or mean, it's just an unfortunate side effect when there's insane levels of complexity involved on the back end systems.

Polish_Hammer

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If you have a mental illness like depression or anxiety or bipolar, you are not doing yourself any favors by drinking booze or smoking pot.  Instead of one more trial of a different antidepressant or a new augmenting drug, try giving up the booze and/or the pot.  Give it up for 12 weeks and see if the world is a little brighter place.  (Pro tip: if you cannot quit for 12 weeks, you should talk to your doctor about whether you have a problem. Double Pro Tip: if you want to really find out if you have a problem, be honest with your doctor and make sure she doesn't have her own substance related problem).


Best wishes all, Ap.
You had me right up until the statement regarding cannabis.  Many a PTSD or depression suffering vet will disagree with that statement.

sol

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Stop buying fucking bottled water.

onlykelsey

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Stop buying fucking bottled water.

YES

Northwestie

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Learn to telemark ski.  Free your heel and free your mind.

zoltani

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If you have a mental illness like depression or anxiety or bipolar, you are not doing yourself any favors by drinking booze or smoking pot.  Instead of one more trial of a different antidepressant or a new augmenting drug, try giving up the booze and/or the pot.  Give it up for 12 weeks and see if the world is a little brighter place.  (Pro tip: if you cannot quit for 12 weeks, you should talk to your doctor about whether you have a problem. Double Pro Tip: if you want to really find out if you have a problem, be honest with your doctor and make sure she doesn't have her own substance related problem).


Best wishes all, Ap.
You had me right up until the statement regarding cannabis.  Many a PTSD or depression suffering vet will disagree with that statement.

True.

Also, aperture, have you heard of the studies regarding guided MDMA sessions for PTSD and depression?

ringer707

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Divorce attorney. Have open and honest conversations with your spouse about finances. I would say 9 times out of 10, the root of the divorce stems from financial issues. There is sometimes an underlying factor, such as alcoholism/drugs, that is the root of the financial issues, but it's incredible to me how much better off a couple could have been if they sat down and had a rational conversation on their finances and didn't live outside their means. Talk with your spouse about your personal financial goals and your goals as a couple. Set a budget. Stick to it. Even if you're not living the MMM lifestyle and enjoying eating out once a week and shopping at Nordstrom for new shoes every other week, set a budget for those expenses and be honest with your spouse about them.


zoltani

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Divorce attorney. Have open and honest conversations with your spouse about finances. I would say 9 times out of 10, the root of the divorce stems from financial issues. There is sometimes an underlying factor, such as alcoholism/drugs, that is the root of the financial issues, but it's incredible to me how much better off a couple could have been if they sat down and had a rational conversation on their finances and didn't live outside their means. Talk with your spouse about your personal financial goals and your goals as a couple. Set a budget. Stick to it. Even if you're not living the MMM lifestyle and enjoying eating out once a week and shopping at Nordstrom for new shoes every other week, set a budget for those expenses and be honest with your spouse about them.

Question for you: When divorcing in a community property state is a lawyer necessary?

GuitarStv

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ringer707

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Divorce attorney. Have open and honest conversations with your spouse about finances. I would say 9 times out of 10, the root of the divorce stems from financial issues. There is sometimes an underlying factor, such as alcoholism/drugs, that is the root of the financial issues, but it's incredible to me how much better off a couple could have been if they sat down and had a rational conversation on their finances and didn't live outside their means. Talk with your spouse about your personal financial goals and your goals as a couple. Set a budget. Stick to it. Even if you're not living the MMM lifestyle and enjoying eating out once a week and shopping at Nordstrom for new shoes every other week, set a budget for those expenses and be honest with your spouse about them.

Question for you: When divorcing in a community property state is a lawyer necessary?

As all attorneys will tell you, it depends. Yes, everything is divided 50/50 in community property, but there are some assets that may not be "marital property" even though you obtained it during the marriage. An inheritance to one person comes to mind. Despite having received it when you are married, it will be non-marital property. So if someone wants to argue over that, then you might need to lawyer up. That being said, I attended school and practice in an equitable distribution state, so it may be best to consult a divorce attorney practicing in a community property state.

If you have issues other than just the division of assets, such as child support/custody, or simply don't want the relatively minor hassle of handling your own divorce proceedings, then I would suggest getting an attorney. You wouldn't believe the number of people who think they're divorced, but never actually completed their divorce filings...

BFGirl

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Can you elaborate on why the online forms are bad for wills?  Was going to do one soon and was going to use online form.

I'm an accounting manager and i think any advice I could give this forum is what most folks are already doing.  :)

Each state has its own requirements for a valid will.  In Texas, if certain language is included in the will, then an executor can act independently without reporting to the court.  If that language is not included then additional hoops must be jumped through to achieve the same thing.  When I was in private practice, I earned way more money on cases where someone did their own will and then died, than I did drafting a will which was correct and handling the subsequent estate.
« Last Edit: April 07, 2016, 12:25:07 PM by BFGirl »

merula

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I've been in insurance for 10 years. Here's what I've got:

Don't insure anything you can afford to replace, unless there's another reason to buy insurance (like a statutory or contractual requirement, or knowing the risk much better than the insurer).

Read your policy. You're buying a promise written on a piece of paper. Don't you think it's a good idea to know what that promise is?

Pay attention to your deductibles. In this community (I hope), folks are most likely to be surprised at how low they're set and look to increasing them. Do it; a lower deductible than you can afford means you're insuring something you can afford to replace. On the other side of the coin, you would not believe how many people moan "What do you mean, I have to pay $500? I thought this was insurance!".

Don't over-buy insurance. A close friend is basically FI but still working, and he has a life insurance policy for 10x salary. Why? So his wife can have nice things when he dies? He's not replacing his income, he's generating a windfall. Similarly, I don't usually recommend an umbrella policy, except for high-asset people with high-risk exposures like teen drivers, home swimming pools, in-home daycare, etc. Insurance companies as a whole make more than twice the profit on Umbrellas as they do on regular Auto policies. There just aren't that many large losses.
« Last Edit: April 07, 2016, 12:06:57 PM by merula »

Travis

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Backup your computer.  Do it routinely.
I believe the best way is to back up your operating system and data separately.  This is much easier to do if you keep your operating system and data on separate harddrives.
I do incremental data backups quarterly and full backups between Xmas and Newyears.
And keep all the disks that came with your system, accessories and programs.
And keep your anti-virus updated.

Keep your office area free of dust.  Ensure your computer has good airflow both in and out. Keep your keyboard free of dust and bits of food (never eat or drink near a computer!). Open your desktop tower every couple months and spray out the dust.  Dust & reduced airflow=heat=shorter electronics lifespan.

TrMama

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Similarly, I don't usually recommend an umbrella policy, except for high-asset people with high-risk exposures like teen drivers, home swimming pools, in-home daycare, etc. Insurance companies as a whole make more than twice the profit on Umbrellas as they do on regular Auto policies. There just aren't that many large losses.

Do you have a threshold for what constitutes "high asset people"? As our stash grows, I've been considering adding an umbrella policy, but your advice seems contrary to that. A complicating factor that concerns me is that our home address is "XYZ Fancy Subdivision Blvd". AKA people assume we're flush because of where we live.

Hotstreak

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Backup your computer.  Do it routinely.
I believe the best way is to back up your operating system and data separately.  This is much easier to do if you keep your operating system and data on separate harddrives.
I do incremental data backups quarterly and full backups between Xmas and Newyears.
And keep all the disks that came with your system, accessories and programs.
And keep your anti-virus updated.

Keep your office area free of dust.  Ensure your computer has good airflow both in and out. Keep your keyboard free of dust and bits of food (never eat or drink near a computer!). Open your desktop tower every couple months and spray out the dust.  Dust & reduced airflow=heat=shorter electronics lifespan.

Are you saying I should stop using my keyboard as a fingernail catch-basin?

GuitarStv

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Backup your computer.  Do it routinely.
I believe the best way is to back up your operating system and data separately.  This is much easier to do if you keep your operating system and data on separate harddrives.
I do incremental data backups quarterly and full backups between Xmas and Newyears.
And keep all the disks that came with your system, accessories and programs.
And keep your anti-virus updated.

Keep your office area free of dust.  Ensure your computer has good airflow both in and out. Keep your keyboard free of dust and bits of food (never eat or drink near a computer!). Open your desktop tower every couple months and spray out the dust.  Dust & reduced airflow=heat=shorter electronics lifespan.

Are you saying I should stop using my keyboard as a fingernail catch-basin?

I squeeze fresh cut oranges on mine each morning for that lovely citrusy smell.  A cool side benefit is that all of the key markings have disappeared under lovely fluffy black fuzz now, so it's easier on the fingertips.

Travis

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Backup your computer.  Do it routinely.
I believe the best way is to back up your operating system and data separately.  This is much easier to do if you keep your operating system and data on separate harddrives.
I do incremental data backups quarterly and full backups between Xmas and Newyears.
And keep all the disks that came with your system, accessories and programs.
And keep your anti-virus updated.

Keep your office area free of dust.  Ensure your computer has good airflow both in and out. Keep your keyboard free of dust and bits of food (never eat or drink near a computer!). Open your desktop tower every couple months and spray out the dust.  Dust & reduced airflow=heat=shorter electronics lifespan.

Are you saying I should stop using my keyboard as a fingernail catch-basin?

I was once asked to figure out why a coworker's keyboard wasn't working.  I tapped on a few keys and heard a "crunch, crunch."  I popped off the offending keys and found dust bunnies and piles of granola that had accumulated.  Same thing with mice.  Flip them over and clean them!  Trackballs take the oils from your hand and transfer them to the optical contacts underneath the ball. Old-school mice balls do the same. Even IR mice will have build up underneath on the little corner pads.  I hate using mice in public areas because you turn them over and you can chip off giant chunks of oil and grime that hundreds of people have contributed to.

FrugalFisherman10

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I don't have anything as good or important as the OP, but here's mine:

1. The world isn't in as bad of a place as the news makes it out to be.


rahby1us

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Backup your computer.  Do it routinely.
I believe the best way is to back up your operating system and data separately.  This is much easier to do if you keep your operating system and data on separate harddrives.
I do incremental data backups quarterly and full backups between Xmas and Newyears.
And keep all the disks that came with your system, accessories and programs.
And keep your anti-virus updated.

Keep your office area free of dust.  Ensure your computer has good airflow both in and out. Keep your keyboard free of dust and bits of food (never eat or drink near a computer!). Open your desktop tower every couple months and spray out the dust.  Dust & reduced airflow=heat=shorter electronics lifespan.

Are you saying I should stop using my keyboard as a fingernail catch-basin?

I was once asked to figure out why a coworker's keyboard wasn't working.  I tapped on a few keys and heard a "crunch, crunch."  I popped off the offending keys and found dust bunnies and piles of granola that had accumulated.  Same thing with mice.  Flip them over and clean them!  Trackballs take the oils from your hand and transfer them to the optical contacts underneath the ball. Old-school mice balls do the same. Even IR mice will have build up underneath on the little corner pads.  I hate using mice in public areas because you turn them over and you can chip off giant chunks of oil and grime that hundreds of people have contributed to.

I'm always forgetting to clean my dirty mice balls

smalllife

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1.  Do you really need that thing you are about to buy?  Did you REALLY think about all the environmental, monetary, and psychological costs of buying it?  No?  Well, then you probaby don't really need it, do you?

People need way less than they think, have been told by society, and rarely put together the full picture.  See "The Story of Stuff" for a brief introduction.

2.  You do not have to have children if you don't want them.  Not wanting them does not make you a bad person.  Do not let anyone pressure you into having children.  Think, protect, and make sure that if you are bringing a child into the world it is because you WANT to and because you can take care of it - by yourself should worse come to worse.

3. As someone who has worked in payroll: have an emergency fund or buffer.  Things happen, deposits get delayed, your company makes a mistake.  Don't ride automatic transfers and payments on the assumption that your direct deposit will hit at midnight on the 15th.   It's not worth it.

4.  Don't ignore that nagging feeling in your gut.  That doesn't mean follow it without examining it, but don't ignore it.

ysette9

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The clutch lessons I've learned in work are probably mostly worthless outside in the real world. For fun, I'll post some anyway.


  • Silicone is a contaminant that can lead to decreased bond strength and adhesion issues. Cleaning off silicones is really hard so it's best to just avoid it (i.e., get rid of that Live Strong bracelet you are wearing).
  • Ceramic capacitors are delicate and prone to cracking if exposed to extreme temperature fluctuations. Avoid hand soldering ceramic caps if at all possible.
  • The world is swimming in counterfeit electronic parts. If you at all care about reliability, only buy directly from OEMs or their authorized distributors. A fake Prada purse only makes you look foolish while fake electronics in your car can cause real problems.

Spork

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I don't have anything as good or important as the OP, but here's mine:

1. The world isn't in as bad of a place as the news makes it out to be.

From my point of view: this one is the winner so far.  Don't sell yourself short on what is good and important.

Miss Piggy

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4.  Don't ignore that nagging feeling in your gut.  That doesn't mean follow it without examining it, but don't ignore it.

If I had a nickel for every time I didn't follow that nagging feeling in my gut and should have...well...%$#@

retiringearly

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Is the thread title a Fear and Loathing reference?  If it is my advice is.....

Don't stop here, this is bat country
« Last Edit: April 07, 2016, 02:51:45 PM by retiringearly »

NV Teacher

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The simple act of reading to your children on a regular basis from the time they are little will get them ready to learn how to read in school.  Don't worry about teaching them to read, just read to them.  Let them soak up the language/vocabulary and enjoy the experience.

onlykelsey

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Backup your computer.  Do it routinely.
I believe the best way is to back up your operating system and data separately.  This is much easier to do if you keep your operating system and data on separate harddrives.
I do incremental data backups quarterly and full backups between Xmas and Newyears.
And keep all the disks that came with your system, accessories and programs.
And keep your anti-virus updated.

Keep your office area free of dust.  Ensure your computer has good airflow both in and out. Keep your keyboard free of dust and bits of food (never eat or drink near a computer!). Open your desktop tower every couple months and spray out the dust.  Dust & reduced airflow=heat=shorter electronics lifespan.

Are you saying I should stop using my keyboard as a fingernail catch-basin?

I was once asked to figure out why a coworker's keyboard wasn't working.  I tapped on a few keys and heard a "crunch, crunch."  I popped off the offending keys and found dust bunnies and piles of granola that had accumulated.  Same thing with mice.  Flip them over and clean them!  Trackballs take the oils from your hand and transfer them to the optical contacts underneath the ball. Old-school mice balls do the same. Even IR mice will have build up underneath on the little corner pads.  I hate using mice in public areas because you turn them over and you can chip off giant chunks of oil and grime that hundreds of people have contributed to.

I'm always forgetting to clean my dirty mice balls

I hate you all. 

woopwoop

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As a teacher/tutor, most of my advice is geared towards high school kids:
- If you're shooting for college, treat SAT/ACT prep like your most important class. Lots of kids spend less than 5-10 hours preparing for that test, and colleges look at it as equally important as your GPA, which you spent thousands and thousands of hours on.
- Don't shoot for college unless you know for sure you need a degree for the job you want to do.
- Intern/shadow for the job you think you want to do. Chances are, it's not really the job you want to do.
- If you're not getting a crap ton of financial aid, take all your gen ed college classes at a community college and transfer out once you have those done on the cheap.

projekt

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As a veterinarian, I recommend that you don't cut costs by skipping the annual exam. There are lots of "shot clinics" out there that act like they're doing people a favor, and then the patient shows up at my clinic a few years later and nobody noticed that he had fractured teeth, keratoconjunctivitis sicca, and a heart murmur. In other words, important care was delayed that caused the patient to suffer unnecessarily. Vaccines, while important, are only a fraction of the required care.

Don't let other people tell you what your values are. Most of us veterinarians are willing to work with very different people, from those who will have a kidney transplant performed on their cat to those who will euthanize instead of having a fracture repaired. We won't let animals suffer, but most of us won't tell you how to live your life. I feel like some people regret not having done enough for their pet because their family told them they were being selfish, and other people feel like their friends or family pressured them into going too far.

Now get off the computer and go play with your pets!

Pigeon

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Is the thread title a Fear and Loathing reference?  If it is my advice is.....

Don't stop here, this is bat country

There is nothing more helpless and irresponsible than a man in the depths of an ether binge.

Mrs. Healthywealth

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Hey specialists and professionals - what free advice do you give to your family and friends that you wish the world understood and acted on routinely?  

I am a pharmacist in behavioral health. Here are three things I would tell everyone:
(1) If you take a sleeping pill every day, you will train your body (a la Pavlov) to have chronic insomnia. (You can unlearn this but it is hard). So, don't start the pills. Learn some simple cognitive and behavioral techniques to deal with bad sleep.  Learn the names of planets and stars, take up landscape photography, or do something else creative with your nights when you cannot sleep.  Catch up on the sleep tomorrow. 
(2) You might have ADHD and only be realizing it now at the age of  40 to 65.  On the other hand, that stimulant medication (e.g. Adderall, Vyvanse, or Ritalin) that you want to try has not really been tested long term for safety in people your age, nor with your heart, blood pressure, diabetes, etc. conditions.  One day when researchers get around to looking backwards at your generation of ## year olds (one of whom will be you), they may show that stimulants (which accelerate heart rate and elevate blood pressure) had no impact whatsoever on mortality and heart attacks, but I am not willing to take that risk, and neither should you. Alternative to taking that stimulant? Look back on all the ways you learned to function with ADHD, and without taking a drug.  Keep doing those things, and invest in learning additional techniques.  Kick some ass and keep your heart and brain working the old-fashioned way. 
(3) According the the World Health Organization, anxiety affects something like 25% of workers worldwide (not sure how many REs).  The choice of treatment for anxiety has been undergoing change. Old-school types are still using benzodiazepines like alprazolam, lorazepam, clonazepam and diazepam. (You can bring your anxiety from doctor to doctor and eventually one will offer you lots and lots of these pills.) BUT - benzodiazepines are not so great.  In addition to shutting down anxiety, they shut down lots of other parts of your brain.  In fact they work on GABA, a diffusely spread neurotransmitter whose primary role everywhere in the cortex is to turn stuff off.  Benzodiazepines are a dimmer switch for your brain.  When you dim your brain, you lose the ability to learn, to grow and to move past the anxiety.  People on benzodiazepines are more likely to have motor vehicle accidents and old people on these drugs fall over and get hurt 3-4x more often then old people not on these drugs. So what is the alternative? I would suggest you invest in some solutions by doing about 6 - 10 weekly sessions of manualized cognitive behavioral therapy. If you can't find that or you really want to take a pill, try an anxiolytic antidepressant like Prozac, Zoloft or Effexor. Leave the benzodiazepines out of your medicine cabinet. 

Want one more freebie: OK here it is.  If you have a mental illness like depression or anxiety or bipolar, you are not doing yourself any favors by drinking booze or smoking pot.  Instead of one more trial of a different antidepressant or a new augmenting drug, try giving up the booze and/or the pot.  Give it up for 12 weeks and see if the world is a little brighter place.  (Pro tip: if you cannot quit for 12 weeks, you should talk to your doctor about whether you have a problem. Double Pro Tip: if you want to really find out if you have a problem, be honest with your doctor and make sure she doesn't have her own substance related problem).


Best wishes all, Ap.

This is great! Wish you worked at our clinic...I plan to share the info you sent. We do the 6-10 sessions of CBT, and it works wonders on the clients with medical and MH issues. I like the details that you discussed about the brain. Any good resources to share with MH professionals so they can then share with our clients?

11ducks

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As a teacher:
 
- Read to your kids every night. And spend time with them every day, doing something engaged (like a board game or a walk, not watching television). Don't zone out of parenting when they get less cute (around 10 upwards). Zoning out of parenting early almost guarantees that your kids will never leave home.

-If your teenager is nearly failing class, the solution is NOT to buy them an ipad or laptop for school. You have just bought them the gold standard for disengagement. Where the used to while away the class time throwing spitballs and drawing penises on things, they can now play games/surf net/take selfies/watch pirated movies instead of learning algebra. And cry/scream/swear/chuck an absolute tantrum and disrupt my entire class when they are caught doing it and have to do detention. It's akin to sending your kid to school daily hyped up on energy drinks and sugar (also happens), not helpful to anyone.

- If you are having trouble motivating/controlling your rebellious teenager to behave, how/why on earth do expect me to get better results from them? With 30 kids at once, for an hour a day, while trying to teach them physics? I will try my hardest to help them, but if they are lazy/disrespectful/unmotivated at home, they're likely acting the same way at school. I cannot make your child study, or learn, or pass. If your child tries to learn, really puts in a good effort, I will move mountains to help them pass.

- And finally, thankyou to the 90% of parents who almost always send a properly-dressed, properly-resourced, quasi-motivated, fed, well-rested, cared-for, mostly well-mannered kid to school. Thankyou to the parent who reads/responds to emails, is engaged and supportive of their child's schooling success, who helps out in classes and stresses the importance of education. You people rock.

merula

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Similarly, I don't usually recommend an umbrella policy, except for high-asset people with high-risk exposures like teen drivers, home swimming pools, in-home daycare, etc. Insurance companies as a whole make more than twice the profit on Umbrellas as they do on regular Auto policies. There just aren't that many large losses.

Do you have a threshold for what constitutes "high asset people"? As our stash grows, I've been considering adding an umbrella policy, but your advice seems contrary to that. A complicating factor that concerns me is that our home address is "XYZ Fancy Subdivision Blvd". AKA people assume we're flush because of where we live.

It depends way more on your state than your subdivision. Your 401(k) is protected from judgments by a federal law (ERISA), but whether your primary residence or IRAs are protected is a state-by-state thing.

In my state, my IRA and primary residence are protected fully (not subject to a limit). So, when I think about protecting assets, I need to subtract out my 401(k), IRA and house. And, frankly, that doesn't leave a whole lot to be protected by insurance.

brotatochip

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As a molecular scientist, specialized in Virology, I highly recommend getting your flu shot every year and vaccinating your children.  Norovirus, aka stomach flu, is VERY contagious and is shed for up to 1 month after all subsiding symptoms....and bleach is not 100% effective at killing this virus.  70%-80% of the worlds population has HSV antibodies, meaning most of us have been exposed to herpes.  The best advice for keeping yourself virus free is to wash your hands frequently and don't touch your face. 

TheDude

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I know sometimes you get lazy and drinking beer on the couch is fun but ride you fucking bike. I promise its fun, you like it and it makes you happy.

Frugalbeach

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    • Frugalbeach
Early retired pharmacist here...
The last 10 years of working, I would tell anyone who listened that if people would just exercise and eat a balanced diet, half the pharmacies in the country would close.

FYI-No, I don't miss work at all

retiringearly

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Is the thread title a Fear and Loathing reference?  If it is my advice is.....

Don't stop here, this is bat country

There is nothing more helpless and irresponsible than a man in the depths of an ether binge.

No, this is not a good town for psychedelic drugs.  Reality itself is too twisted.

FIREby35

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If the cop asked for your permission to search/talk whatever, he probably needs it. So you can say no.

You have a right to remain silent, so please shut up.

They record jail phone calls. Seriously, stop talking. 

Criminal Defense Tips

BlueHouse

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I am not a lawyer, but I've learned something about contract law while working and signing contracts for my own company.

Contracts are just agreements between two parties.  As a signatory, you can cross out, change, or rewrite anything you don't want to agree with.  Read everything until you understand it, and don't be afraid to pull out your pen and modify a pre-printed contract.   

ringer707

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If the cop asked for your permission to search/talk whatever, he probably needs it. So you can say no.

You have a right to remain silent, so please shut up.

They record jail phone calls. Seriously, stop talking. 

Criminal Defense Tips

THIS. SO MUCH THIS. I told both of my nephews before they went off to college (not that either of them are bad kids at all) that if they're ever stopped and asked if their car can be searched, they have the right to say no. And if they get arrested, just say "I want my lawyer" and then shut the hell up. The officer is not your friend. Do not talk to the officer. End of list.

human

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If the government screws up with your taxes or some kind of benefit that winds up costing you money, ask yourself is this amount of money worth my sanity? In the business I'm in, I see people take years of their life and thousands more than the initial cost all in the name of principle . . . it's not worth it folks.