Thank you for sharing. This is something I need to remind myself from time to time. I'm not sure if this helps, but I suggest getting into a sport if you can.
A while ago my self-confidence was really low. I tried jiu jitsu, and I had a lot of fun. I was also impressed with the positivity and camaraderie. I started going regularly, and even though I started off much worse at it than everyone else, I was constantly improving a little bit at a time and getting reassurance that the struggle to go from beginner to intermediate and beyond is something everyone experiences.
The act of exercising regularly, combined with improving at something I enjoy and making new friends along the way, was a huge boost to my confidence. Playing a sport has improved my mental health immensely. It is also something in my life I can lean on when my career is rocky or challenging.
I know it can be a lot of commitment for someone with a family, or daunting for someone who is a bit older. With that recognized, I still suggest you try a sport. I have been doing jiu jitsu for five years, and I have also started wrestling and judo. I've trained with people of all ages, from Division 1 college wrestlers, to active hobbyists like me, to parents and grandparents who just want to try something new.
It sounds intense, but it can be adjusted to any age, body type, etc. I've even had the pleasure to practice with a retired, blind champion grappler. She knocked me over again and again, just by feeling. All this to say, if you accept your limitations, there is a way for you to participate safely and have fun.
Regardless if my advice helps, I wish you a lot of luck, and thank you again for sharing.
I haven't seen this yet, so I just wanted to add -
Hours worked does not equal productivity nor revenue.
If Salesforce gives everyone at the company this benefit, I suspect there would not be any dip in productivity, and possibly an increase after the break.
Similar boat. I wanted a line of credit just to have it. With considerable equity in the house and savings and stock that exceeded the credit amount and with a high paying job and with excellent credit, the bank rejected my application. Apparently because I said I might use it for repairs at some point. Ffs.
I'm doing what the parent comment suggested. The line of credit should be margin - you borrow against your stocks. If you use Fidelity, you can call them and ask them to lower your interest rate, and it can actually get really low.
Home equity line of credit (HELOCs) are pretty easy to get, assuming you have some equity built up in a home. Works like a credit card. The rising interest rates will make using it pretty painful though.
The difference is that the metaphorical credit card of a HELOC has the house as collateral. A normal credit card has no collateral. If you go bankrupt, the HELOC takes the house, but the credit card doesn't.
Darn, I rent (in NYC). I'm still not sure if buying an apartment here is a good bet long term, but I do wish I had gotten in on something when prices weren't going so crazy. I would only consider it right now if I found an amazing deal. Either that or wait for something to change with the housing market. From what I can tell, though, things are just going to get harder for individuals who want to own a home in major cities.
Banning or severely taxing homes which aren't occupied by the owner means banning or severely taxing homes which are occupied by someone other than the owner... aka. rentals.
Sure, you can make rental accommodation illegal if you want your community to consist solely of homeowners -- some HOAs do exactly this -- but it's the most vulnerable who will suffer under such a policy.
The 'most vulnerable' rarely are living in single family homes. They are living in either public housing, a trailer, or crammed into illegally over-occupied studios.
That said putting more restriction on housing (even more taxes!) isn't going to improve the situation. Housing needs deregulation, not more regulation to distort the market even more.
I don't agree. We're in a supply crunch right now, more houses == lower prices, and low income folks can always get government subsidized housing (or should demand more of it if none is available).
There's a supply crunch, sure. And if you reallocate from rental to owner-occupied, you reduce the crunch somewhat on that side... but you make the supply crunch even worse for renters.
It's a popular policy decision for many politicians, since owners vote at much higher rates than renters; but I wouldn't call it good policy.
A while ago my self-confidence was really low. I tried jiu jitsu, and I had a lot of fun. I was also impressed with the positivity and camaraderie. I started going regularly, and even though I started off much worse at it than everyone else, I was constantly improving a little bit at a time and getting reassurance that the struggle to go from beginner to intermediate and beyond is something everyone experiences.
The act of exercising regularly, combined with improving at something I enjoy and making new friends along the way, was a huge boost to my confidence. Playing a sport has improved my mental health immensely. It is also something in my life I can lean on when my career is rocky or challenging.
I know it can be a lot of commitment for someone with a family, or daunting for someone who is a bit older. With that recognized, I still suggest you try a sport. I have been doing jiu jitsu for five years, and I have also started wrestling and judo. I've trained with people of all ages, from Division 1 college wrestlers, to active hobbyists like me, to parents and grandparents who just want to try something new.
It sounds intense, but it can be adjusted to any age, body type, etc. I've even had the pleasure to practice with a retired, blind champion grappler. She knocked me over again and again, just by feeling. All this to say, if you accept your limitations, there is a way for you to participate safely and have fun.
Regardless if my advice helps, I wish you a lot of luck, and thank you again for sharing.