Home Blog Page 103

Finest life teaching for 21 12 months olds in keeping with Reddit

0

Image for article titled The Best Life Advice For 21 Year Olds, according to Reddit

Photo: Mr Nikon (Shutterstock)

If you’re 21 years old, fresh off the air with a college degree and ambitions to get your life going, you might want to turn to strangers online for advice. We’re kidding, kind of – but you can consult Reddit for any pointers you want if you’re eager University graduate recently in a thread that proves flossing is just as important as opening a Roth IRA.

The thread posted by you / brielleee99She asks about “Life Hacks,” but what she’s really looking for are some basic financial planning advice that Redditors are happy to offer. She says she and her boyfriend are trying to look beyond the kind of “rise and grind,” a hustle and bustle culture joke someone in her position might find while exploring the weighty question of how to get ahead.

She writes:

As the title suggests, I am 21 (f) and looking for “hacks” that I can implement into my life now so that I am prepared for the future. I work full time in the healthcare industry as an entry level data analyst (literally just graduated in April) and so far I’ve only read “grind / work” like crazy, but I want to know more. Shares, investments, other forms of passive income, certain types of savings (RSP, TFSA, etc.). My friend and I are interested in real estate that we can do in the future as we have heard it can be very successful. We are still learning, however, so I would love to hear any advice from anyone. Many Thanks!

Redditors stormed in with some excellent cores of wisdom that are worth your time if you are in their shoes too.

How to assess whether something really needs to be bought

Compensation U / Tveta offered a thoughtful exercise that can help you avoid costly and unnecessary purchases.

G / O Media can receive a commission

They write:

For anything you want to buy. Imagine if you were still buying it if it was 5x more expensive. Because that’s how much it will ultimately cost you if you don’t invest that dollar.

Focus on today so you can enjoy tomorrow

Don’t get too carried away with your pursuit of building for the future – and you can do so by focusing on the little things in the present. That’s basically what u / MamaSheeba tries to mediate.

Don’t focus so much on the future that you don’t enjoy today. I don’t mean to spend like there’s no tomorrow, but to enjoy what you don’t have, what you don’t have!

Eat healthy, exercise, and avoid avoidable stress

This is more of a holistic approach, but feeding your mind and body what it needs to meet the demands of life is a pretty good thing for a young person to get used to.

the compensation you / I always take crap wrote:

Avoid avoidable stress.

Pick up a form of movement that is gentle on the joints and do it regularly, no matter what.

Eat fresh, whole / real foods.

Have a consistent sleep routine where you get enough sleep to keep you feeling refreshed in the morning.

Avoid avoidable stress.

Use your vacation time

This is a simple pearl, but an important one: don’t waste your free time impressing a boss or advancing your career. As u / alfith wrote: “Take all your vacation days and don’t feel bad about it.”

This is important! There is no point in ignoring the time you are legally required to spend outside of work and feeling guilty is doing yourself a disservice. Your career is a marathon, not a sprint, and you will need the mental energy in the long run.

Play the long game of investing

Don’t be caught thinking that you are a wise investor who has a knack for predicting the rise of unicorns, because you likely never will be that person. Instead, set up a Roth IRA and contribute as much as you can, and play the long game by investing in low-risk mutual funds from now until you retire.

That’s what u / Embarrassed-Cap-6825 conveyed in their entry:

Maximize your Roth IRA this year and every year …. just buy the s & p 500 index and don’t touch it until you are 60. Because of the magic of compound interest, it should be worth more than your lifetime income. The key is that you can’t touch it because then you fvck [sic] by panicking during the recession about starting a sale or paying the down payment on a home you cannot afford, etc.

Brush and floss your teeth daily

U / Sandome got the most upvotes for distilling what is probably the simplest piece of advice: “Actually, brush your teeth and floss.”

This is important not only for dental hygiene and the health of your oral bones, but also as a metaphor for the future of your life. Don’t lose sight of the little things and don’t use ambition as a substitute for self-care. For what it’s worth you / brielleee99She replied that she flossed and brushed “2x a day!” This is a good sign that she is on the right track.

10-year authorities bond yield continues to slip, falling to 1.17%

0

US Treasury bond yields fell Tuesday morning, with the 10-year rate dropping to the 1.7% mark, extending a decline from the previous session amid Covid-19 variant fears.

The ten-year benchmark bond yield declined 1 basis point to 1.17% at 6 a.m. ET. The yield on the 30-year government bond fell slightly to 1.731%. The returns move inversely to the prices and 1 basis point corresponds to 0.01 percentage points.

The yield on 10-year government bonds fell to a five-month low of 1.18% on Monday as investors were concerned about the spread of variants of Covid and the impact of inflationary pressures on the economic recovery.

Covid cases are increasing in the US, with the delta variant spreading largely among the unvaccinated. According to CDC data, there are an average of about 26,000 daily cases in the US for the past seven days, more than double the average from a month ago.

CNBC Pro’s Stock Picks and Investment Trends:

On the front line of economic data, the number of building permits issued in June, as well as the number of new home construction projects commenced last month, will be released on Tuesday at 8:30 a.m. ET.

On Tuesday there will be an auction for 42-day bills valued at $ 35 billion.

Save on Nordstrom manufacturers in the course of the Nordstrom anniversary sale

0

We love these products and hope you do too. E! has affiliate relationships so we may receive a small portion of the income from your purchases. Items are sold by the retailer, not by E !.

The Nordstrom anniversary sale is just around the corner. Nordstrom card numbers are now eligible for shopping and sales will open to the general public on July 28th. There are so many great deals on shoes, sportswear, beauty items and so much more from all of our favorite designers. Nordstrom Made brands also offer some great discounts that are not to be missed. Let’s take a look at the Nordstrom brands:

  • Nordstrom Signature – luxury essentials for men and women.
  • Halogen – Affordable women’s clothing with a mix of wardrobe basics and statement pieces.
  • Zella- innovative activewear for women, men and children.
  • Nordstrom Men’s Shop – men’s clothing, shoes and accessories for all occasions.
  • BP – Simple basics, trendy pieces, accessories, home decor and more
  • Treasure & Bond – This line is full of essentials and trending items with the intention of giving back. 2.5% of net sales go to organizations that provide support services to young people affected by homelessness.
  • Open Edit – wardrobe essentials for men, women and children.
  • Caslon – Relaxed, everyday models.
  • Tucker & Tate – children’s clothing and accessories.

And without further ado, let’s take a look at some of the items that are on sale.

Singapore tightens restrictions once more as Covid instances escalate

0

A Housing & Development Board (HDB) public housing estate in Singapore.

Wei Leng Tay | Bloomberg | Getty Images

SINGAPORE – The Singapore government said Tuesday it would tighten Covid-19 measures again as new cases continue to rise, making the country’s reopening plans difficult.

Measures include reintroducing a ban on eating and limiting the maximum number of people who can gather from 5 to 2.

Covid-19 cases in Singapore have increased in recent weeks. Several clusters have emerged around karaoke lounges, wet markets and hawker food centers, which raise concerns among the authorities. Health ministry data last week showed there were 480 cases in the community, a significant increase from the 19 reported in the past seven days.

Given the current transmission rate, the number of cases can be expected to rise sharply as more people are likely to be infected.

“This is very worrying as it can affect many people in our community across the island,” the Singapore Ministry of Health said in a statement.

“As we continue to conduct extensive testing for people at risk of infection, we can expect the number of cases to increase in the coming days,” she added.

Between July 12 and July 18, an average of 46 cases were detected in the community per day – the highest number of cases since April 2020, the Ministry of Health said on Tuesday.

The latest restrictions are in effect from Thursday July 22nd to August 18th.

What are the latest measures?

Restrictions that will be re-imposed include:

  • The number of people who are allowed to gather will be reduced from 5 to a maximum of 2 people.
  • Households are only allowed to receive 2 different visitors each day, not counting grandparents who look after their grandchildren.
  • Eating out is prohibited, but restaurants, food courts, and hawker centers are allowed to offer take-away.
  • Exhausting sports and exercise activities indoors, which normally require the removal of masks, will be discontinued.
  • Large events such as live performances and wedding receptions are being scaled down and pre-event testing remains an essential measure.
  • Working from home remains the standard option for most businesses.

Tuesday’s measures followed when the city-state reported 172 new cases on Monday, including 163 locally transmitted infections. It was the highest number of daily reported cases since last August.

Most of these cases were linked to two large clusters – the Jurong Fishery Port, where fishmongers gather their stocks to sell in markets and food centers, and the so-called KTV lounges or karaoke bars – where customers interact with hostesses .

Jurong Fishing Port is closed until the end of the month to break the chain of transmission while workers there have been quarantined.

Singapore has banned nightclubs, bars and KTV lounges from operating since last year as activity on the premises is considered a high risk. However, some of these establishments continued to operate as food and beverage outlets. Some of them are suspected of violating the Covid-19 rules by providing hostess services.

eight of one of the best sport creation apps for learners

0

Game Maker Studio 2 is the most advanced software on our list and can intimidate newbies. However, it is by far the easiest professional-level game engine to learn and has been used by many indie developers to create games like Hyper Light Drifter, Momodora, Katana Zero, and more.

The key to Game Maker Studio 2’s accessibility is its streamlined, object-based scripting. Instead of programming your games from scratch, the built-in editor lets you program character behaviors and game systems with simple drop-down menus based on Game Maker Studio’s unique scripting language. There are tons of tutorials out there to teach you the basics of the engine, as well as sample projects to get you started, and community-created assets to use if you’re new to creating your own.

The only downside is that the skills you learn while creating games with Game Maker Studio 2 don’t necessarily translate to other engines like Godot, Unity, and Unreal as they use popular programming languages ​​like C # which allow for greater complexity. However, since Game Maker Studio 2 supports 2D and 3D games, you can easily create all of your games in Game Maker Studio 2 as long as it suits your needs.

Game Maker Studio is free to download and use, but you have to pay to unlock certain features and publish your games. You can buy a one-year license for $ 39 that lets you publish to Windows and Mac, or a perpetual license for $ 99, the iOS, Android, Amazon Fire devices, Ubuntu, HTML 5, and the Adds publishing support for the Windows Universal Program. Game Maker Studio 2 also offers publishing tools for PS4 / PS5, Nintendo Switch, and Xbox One / Xbox Series X / S, but each requires a license that costs a whopping $ 700 a year – or you can get them for $ 1,500. Bundle dollars per year. That’s pretty high, but on par with the console release costs you’ll see with other professional software.

What your coleslaw wants is slightly pepper jelly

0

Image for the article titled What Your Coleslaw Needs Is A Little Pepper Jelly

Photo: Ildi Papp (Shutterstock)

Coleslaw can be a tricky thing. Bad coleslaws are watery and boring, but a good one makes a perfect sweet and hot, crispy counterpoint to a variety of rich and salty grilled dishes, my favorite dish pulled pork. A good coleslaw depends on a good technique – which you can read everything here all– and the best coleslaws are usually the simplest in terms of ingredients.

My favorite salad, however, is the one my stepmother makes – because she puts a bit of pepper jelly in it. For those unfamiliar with this jelly, it is exactly what it sounds like – a sweet, tangy, shaky spread that is transcendent when Poured over a block of cream cheese and eaten with wheat thins. It also makes a great one Ham glaze, and, as you now know, a fantastic coleslaw supplement.

Like everyone else in my entire family, my stepmother doesn’t measure the amount of pepper jelly she adds to her coleslaw. For one, it depends on the jelly she uses. Their homemade pepper jelly is thicker and hotter than the store-bought stuff, so a little bit goes a long way. The sweet spiciness compliments the tangy vinegar and gives the standard side a certain spiciness. (She says she first came up with the idea of ​​a Southern Living recipe, but didn’t This one hereas she has never added cilantro to her coleslaw.)

Since pepper jellies can vary in heat and texture, it’s best to add them to taste just before serving, as too much can make your coleslaw watery if you’re not careful. (Pre-salting and dabbing your vegetables can also help keep your coleslaw from getting drenched.)

Otherwise, it’s just one thing to add the jelly to the dressed coleslaw, little spoons at a time, until you’ve found the balance between sweet and spicy. (You could whisk it with the dressing, too, but I don’t know what recipe you’re working with and I would hate to throw your ratios down.) Stack it on a pulled pork sandwich and eat it next to some BBQ chicken , or just shovel straight from the serving bowl into your mouth, the proper etiquette is damned.

G / O Media can receive a commission

Find out how to observe your fee in case you nonetheless have not bought your a reimbursement

0

AROUND 35 million Americans have not yet received their taxes thanks to an IRS arrears – but they can still track their payments even after a few months.

The IRS has paid out stimulus checks, adjusted returns, and calculated a number of other credits – like the most recent child tax credit – that added the agency’s backlog.

2

If you have not yet received your tax refund, you can follow it online

That means nearly 35 million Americans are still waiting for their tax returns, according to a report by the National Taxpayer Advocate.

But if you’re one of those 35 million, fear not – you can still use some IRS tools to keep track of your payments.

The IRS tracker tool enables Americans to check the status of their 2020 income tax refund by providing some information that you use when filing taxes.

This includes your Social Security or Tax ID number, enrollment status (if you are single, married, or a head of household), and your reimbursement amount in whole dollars.

Due to the heavy backlog and long call times, the IRS warns it is better to leave the phone as a last resort and check online instead.

Also, make sure to check in at least 24 hours after your taxes have been filed to keep track of them.

The IRS also has a phone app called IRS2Go for those who would rather check their tax refunds while waiting for their morning commute to work.

The agency updates the data overnight. So if you don’t see anything within 24 hours, check back the next day.

After your return and refund are approved, you will be given a personalized date to expect your money.

Approximately 35 million Americans have not yet received their refunds due to an IRS backlog

2

Approximately 35 million Americans have not yet received their refunds due to an IRS backlogChild tax credit payment begins Thursday, July 15

Bitcoin (BTC) falls under $ 30,000 because the cryptocurrency market collapses

0

This illustration from May 19, 2021 shows the virtual currency Bitcoin in front of a stock chart.

Given Ruvic | Reuters

Bitcoin fell below $ 30,000 for the first time since June 22, dragging other digital coins down.

According to CoinMarketCap data, about $ 98 billion was wiped from the entire cryptocurrency market in a 24-hour period on Tuesday at 12:29 p.m. ET.

According to CoinDesk data, Bitcoin was down more than 6%, while Ether was down almost 9% and XRP was down almost 10%.

The Bitcoin slump came after a major sell-off in global equity markets. On Monday, the Dow Jones Industrial Average had its worst day since last October.

“There was a widespread sell-off in global markets, risk assets have declined across the board,” said Annabelle Huang, partner at cryptocurrency financial services company Amber Group.

There are “concerns about the quality and strength of the economic recovery” and “more general risk assets have weakened, including high returns,” Huang said. “Coupled with the recent BTC (Bitcoin) weakness, this has only sent the crypto market further down.”

Read more about cryptocurrencies from CNBC Pro

Since Bitcoin’s all-time high of nearly $ 65,000 in mid-April, the price has fallen by over 50%.

Regulatory review

Regulators around the world are also taking a closer look at the crypto space.

Binance, the world’s largest cryptocurrency exchange, was prevented by UK authorities from conducting regulated activities in the country last month. Regulators in Japan, Canada and Thailand have also issued warnings about Binance.

“In general, we are seeing a stronger regulatory focus on crypto and bitcoin,” said Vijay Ayyar, head of business development at the Luno cryptocurrency exchange.

More upfront sales?

Bitcoin’s drop below $ 30,000 could be important, according to Ayyar, who said the sell-off could decrease to test the $ 22,000- $ 24,000 level.

From then on, Bitcoin could be traded in a range.

“I would see bitcoin between 20-40,000 ($ 20,000 to $ 40,000) for a while before the upside returns,” Ayyar said.

The way to Use Progressive Overload to Get Stronger

0

Man squats a barbell

Photo: Jacob Lund (Shutterstock)

As you get stronger, you can lift heavier and heavier weights. That much is probably clear. But what beginners sometimes miss is that it’s kind of a chicken and egg situation: You get stronger because you lift heavier and heavier weights. This is the concept of progressive overload.

How does progressive overload work?

In any area of ​​fitness, such as strength, endurance or flexibility, you need to challenge your body to adapt and improve. As the National Strength and Conditioning Association explained, there are two parts: the “principle of overload” and the “principle of progression”.

The Overload Principle states, “To achieve a particular training adaptation, the body must be stressed by working against a stimulus or load greater than what it is used to.” In other words, you must work harder than Your body is used to it.

And then the progression principle can be used to build on: “In order to consistently achieve the desired training adjustments for a certain activity or skill, the training stimulus must increase gradually and steadily.”

G / O Media can receive a commission

Or to put it simply: you get fitter if you work harder than usual, and if you want to improve further, you have to work harder than before.

How does it look in real life?

If you are stunned by the idea of ​​working harder and harder forever, don’t panic. You’ll work harder in absolute terms – say, by lifting heavier weights – but the challenge remains relatively the same. Your workouts will drop to what you might describe as “difficult but doable” levels of effort, and you will notice progress as your numbers increase. (The same approach applies to endurance sports. As cyclist Greg Lemond supposedly said, “It never gets easier, you just go faster.”)

When I first started lifting weights many years ago, 65 pounds was a decent bench press challenge for me. I remember taking pride in myself for being able to push out a rep or two with 85 pounds. Now when I do a bank training session, I don’t even bother to load those amounts onto the bar. My warm-up sets start at 95 pounds, and a heavy single would be around 150. Those 150 feel just as hard as 85, but it’s undeniably more weight.

How did I make this progress? Well, I kept lifting the weights that felt heavy to me. Over time, the same weights that used to be a challenge felt light, and I had to keep adding more weight on the bar to get something that actually felt heavy. (We have a guide here to find out if you are lifting “heavy”.)

Most of the time, I either followed a program that told me how many pounds to lift and slowly increased that amount over time, or one that told me what level of exertion to lift (a concept called RPE)which allowed me to choose a suitable weight every day. If you follow a program, you will usually make better progress than just spurring it, but as long as you use the overload principle and the progression principle, you will get stronger.

What if I can’t lift more every time?

That’s okay! You don’t literally have to put weight on the bar every time you lift it.

There is a wide variety of weights as well Rep ranges this can be effective for building strength and muscles. For example, if I do a bank workout today, I might do 10 sets of 110 pounds, or five sets of 130, or some heavy single sets of 150, or any combination of these. If I’m really tired or stressed out, I might decide to do the 10 sets with just 100 pounds. If I’m feeling good, maybe I can do them at 115. That’s what I mean by a broad spectrum: All of these are tough enough to stimulate my muscles to adapt and get stronger. (There are reasons you might choose one of these workouts, but we don’t need to get into those details for now.)

What would not be a progressive overload? Well, doing sets of 10 with just the bar wouldn’t help me get stronger. If I had a mini barbell set and maxed it out at 85 pounds, once I got to the point where 85 pounds is no longer a challenging weight, my strength would stagnate.

Even as your strength improves, you don’t have to do every single workout as long as you get stronger over the long term and your workouts are still in the challenging range for you.

Let’s say you are doing biceps curls with a 10 pound dumbbell. You can do eight or ten repetitions with it. Perfect. But maybe the only way to gain weight in your gym is to take a 15-pound dumbbell. If that weight is too heavy for you, that’s fine. Keep working the 10 pounder and you’ll be ready for the 15th in time.

You can make progress on more than one metric

While you may find itching to lift heavier weights, weight on the bar isn’t the only way to move forward. Sometimes you can’t add weight because of equipment problems or just because your strength is slowly improving. (Even if your beginner gains have been meteoric, any progress will eventually slow down.)

But if you’re smart, you probably don’t want to get better at just one thing. Many beginners start out with the squat, bench press, and deadlift in sets of five, trying to add weight with each workout. But you’ll become a more versatile strength athlete if you can lift heavy single sets and sets of 10 or 15 as well. Depending on your goals, in addition to squats, you can also consider front squats and also reverse hypers or kettlebell swings for deadlifting. There are ways to improve on all of these things, and it is normal for a strength athlete to simultaneously increase their repetitions on extra exercises, increase their weight on the bar for tough individual exercises, and increase the time they spend on conditioning.

What is double progression?

One easy way to combine goals is called double progression. That means you’re making progress on two metrics at the same time: repetitions and weight. It would look like this:

  • Your program requires overhead presses for three sets of “8-12 reps.”
  • You choose a weight that you can do for 8 reps.
  • With each workout, you will see if you can add an additional repetition. (Maybe you can do 9, 8 and 8. Then another day you do 9, 9 and 9. Soon you will be at 10.)
  • Once you can do sets of 12, 12, and 12 with that weight, move on to a heavier weight.
  • Start again with the new weight in sets of 8, 8, and 8 and repeat the process.

A slightly more complicated version of this would be to add sets as well: after switching from 3×8 to 3×12, you can then move on to 4×12 and 5×12.

In addition to more weight, more repetitions, or more sets, progression can also mean:

  • take fewer breaks between sentences
  • do a harder version of the exercise
  • Increasing your range of motion (e.g. crouching deeper)
  • do the exercise in slow motion (for example, tempo squats, which take three seconds to lower yourself)

The key is to make sure you are moving in a direction that will benefit you. For example, if you can do 20 pushups, increasing the repetitions will result in better muscle endurance, while fewer repetitions of a heavier exercise (like the barbell bench press) will make you stronger. You can do both, but you should prioritize the one that means more to you. If your goal in life is to do 100 pushups, do more repetitions! But if you want to get stronger, it is better to gain weight.

Plateaus are normal

One last thing now that we’ve discussed what progressive overload looks like. It is important to remember that development is long term. Some competitive strength athletes test theirs one repetition max. outside of the competition, which means they only find out how much their deadlift has gone up once or twice a year. That’s not to say they haven’t made any progress in the meantime. If you run an effective program and constantly challenge yourself, you are still working.

Plateaus are a fact when you are a lifter. Sometimes it takes a while to get stronger. Sometimes you need to work on your technique to express your newfound strength. Sometimes factors like stress or weight loss or changes in your exercise can make you weaker in the short term, but if you continue to exercise in such a way that it challenges you, you will set new PRs early enough.

Wealthy Paul teased that he “frolicked” with Adele a month earlier than the date

0

The New Yorker revealed neither the name nor the gender of the musician. Isaac remarked, “I wasn’t entirely sure if this exchange was to my advantage.”

Interestingly, at the time, Rich also insisted that he be officially a free agent. “I’m not together, I’m single. Put that in the story, ”he said with a laugh.

After photos of Adele and Rich leaked at the recent NBA game, Isaac popped up on Twitter to re-crop this part of his article. “Here’s a little tidbit from the profile I wrote about sports agent Rich Paul in May,” he wrote mysteriously of this unnamed pop star.

Since then, it appears that Rich has officially said “hello” to a new relationship with Adele. While keeping silent about her dating life, he was previously associated with another public figure: Tobey Maguire‘s estranged wife, jewelry designer Jennifer Meyer.

E! News has reached out to Adele and Rich’s representatives for comment as no person has publicly addressed the romance.

POPULAR POSTS