tag:blogger.com,1999:blog-48508795047700389762024-03-19T00:33:47.113-07:00Nicholas Fainlight's BlogAnonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.comBlogger34125tag:blogger.com,1999:blog-4850879504770038976.post-51713502894121042002017-11-03T09:16:00.000-07:002017-11-03T09:16:37.674-07:00Should You Rent an Apartment or Live at Home After Graduation?<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVa9FlkeX9sPQd9_GaduLWpkZqAPgrFcTK6o5cehwWaOai_P9G97GDWB4IvBv-VbZ0dmUowOfGsNrO1ouPu-9Awbr24fDnRVSbh9TZLXkJ4V6lDlvaBQ8c-VZcNzULCwKQ4D7MuI_Yum00/s1600/nicholas-fainlight-rent-live-home.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="315" data-original-width="560" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVa9FlkeX9sPQd9_GaduLWpkZqAPgrFcTK6o5cehwWaOai_P9G97GDWB4IvBv-VbZ0dmUowOfGsNrO1ouPu-9Awbr24fDnRVSbh9TZLXkJ4V6lDlvaBQ8c-VZcNzULCwKQ4D7MuI_Yum00/s320/nicholas-fainlight-rent-live-home.jpg" width="320" /></a></div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">When you first graduate college, you might not know where to go next. Some people are lucky and can line up a job and a quality living situation shortly after graduation, but many others are faced with the decision of either scraping by and living paycheck to paycheck in order to afford an apartment or moving back in with their parents, which helps them save money, but also means sacrificing their freedom. It’s a difficult decision for anyone and there are pros and cons to each scenario.</span></div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Getting an apartment</span></div>
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<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; list-style: square; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Cost – </span><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">No matter what city you live in, an apartment is going to cost a significant amount of money per month. You’ll be paying rent, utilities, purchasing your own food, and buying furniture. For someone just beginning their career, these costs can take a significant amount of your paycheck each month.</span></span></li>
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<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; list-style: square; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Lease – </span><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Leases often come with a lot of rules you must follow and some of them may seem a little ridiculous. You’re also often locked into a lease for a least a year, which means you need to stay in one place and consistently pay rent each month. If you find a better opportunity elsewhere, it can be difficult to just leave.</span></li>
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<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; list-style: square; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">People – </span><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">You’re likely going to be living with roommates or have very close neighbors. Unless you know all these people extremely well, they could be completely unpleasant to live around. You also run the risk of having a difficult landlord.</span></li>
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<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; list-style: square; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Privacy – </span><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">The biggest pro of having an apartment is the amount of privacy and independence you’ll have, especially if you live alone. Living with your parents seriously limits your privacy and ability to do what you want; parents often find it difficult to accept you never being home and staying out late and your dating life can get pretty complicated.</span></span></li>
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<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; list-style: square; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Social life – </span><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Living in your own apartment in a city makes it much easier to make connections with your coworkers or other people living there. You have a place to hang out and it’s easier to attend networking events.</span></li>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Moving home</span></div>
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<ul style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; list-style: none; margin: 0px 0px 15px 30px; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; list-style: square; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Privacy – </span><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Naturally, unless your parents have an attached apartment or are rarely home, your privacy suffers when you move back home. It’s difficult to host anything at your house and it’s pretty awkward if you want to bring a date home. In college, you did your own thing whenever you wanted, but now your parents will probably question your decision to watch Netflix until 2am while eating mac and cheese.</span></span></li>
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<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; list-style: square; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Personal growth – </span><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Living alone is the best time to learn more about yourself and fully transition into being an independent adult. If you’re living at home, not worrying much about your finances, rarely buying and making your own food, and not having to clean or do much laundry, it’s likely you still feel like a child. In order to grow, you need to be on your own.</span></li>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Pros</span></div>
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<ul style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; list-style: none; margin: 0px 0px 15px 30px; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; list-style: square; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Cost – </span><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">The biggest pro, and really the main reason anyone moves back in with their parents, is the cost. Depending how long you live at home, you’ll save thousands of dollars. If your home is close enough to a decent job, you’ll have the benefit of work and avoid the financial stress of an apartment. Even if you do pay your parents some rent or contribute to household costs, you’re going to save a lot of money that’ll help you pay off your debts or save for a house, grad school, or something else. Once you do move out, you’ll be on better financial footing than many of your peers.</span></span></li>
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<ul style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; list-style: none; margin: 0px 0px 15px 30px; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; list-style: square; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Give back – </span><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Another pro not many people discuss is that living at home allows you to give back to your parents for all the years they took care of you. If you contribute to household expenses and help out at home, you save them that stress. If they’re getting older, you can also help care for them or other older family members. Family is important and strengthening those bonds is fantastic.</span></li>
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Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Hartford, CT, USA41.763711099999988 -72.68509319999998341.668963099999985 -72.846454699999981 41.85845909999999 -72.523731699999985tag:blogger.com,1999:blog-4850879504770038976.post-40904346967545477312017-10-26T09:14:00.000-07:002017-11-03T09:14:59.457-07:00The Importance of Budgeting, No Matter Your Age<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZn-xEl8Hye_mnrivga-ZnEAkWouhS8XYD1Kvd2dhp-o4SxTT_F3KxrckMS6ObGDpfmekcn0f7Ic1evVfV_0W7dSuEpXN8c7bm7DcETV4os-DTGPBSr3JhQUkFZijJdWCn1n4uhZpO9jhyphenhyphen/s1600/nicholas-fainlight-budgeting.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="315" data-original-width="560" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZn-xEl8Hye_mnrivga-ZnEAkWouhS8XYD1Kvd2dhp-o4SxTT_F3KxrckMS6ObGDpfmekcn0f7Ic1evVfV_0W7dSuEpXN8c7bm7DcETV4os-DTGPBSr3JhQUkFZijJdWCn1n4uhZpO9jhyphenhyphen/s320/nicholas-fainlight-budgeting.jpg" width="320" /></a></div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">No matter where you are in life, you can benefit from an evaluation of your finances. Even if you’re financially stable, there’s a definite benefit in setting up some type of budget. You never know when your circumstances may change or if you might suddenly want to use extra money toward an emergency or to splurge on something. Budgeting helps you keep track of how you spend your money and make sure you aren’t wasting it on anything unnecessary. With budgeting, you’ll gain greater control over your life and be able to prioritize your spending.</span></div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">You could lose your job</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">I’ll start with the worst case scenario; you could be financially stable and not have to worry about money, but then you (or a spouse) could suddenly lose your job and realize that you have to make do with a lot less money. With budgeting, you understand how to live within your means and you’ve had time to save up extra money. Avoiding overspending helps discipline you, especially if money is scarce at times.</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">You can save up for big purchases</span></div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">The better you budget, the more money you’ll have to save up (if you have expendable income that’s not going toward living expenses or debt). Avoiding overspending allows you to save money for larger purchases, like a vacation, a house, or even simply your future. After creating a budget, if you find that you have extra money, consider putting as much as you can toward a retirement fund if you don’t already have one.</span></div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">You can quickly pay off debt</span></div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">As you cut out overspending, you can put extra money toward debt. While you should also regularly be saving money, it’s almost equally important to pay off your debt as fast as possible. If you find that you have extra money, consider paying more on your debt each month. You’ll save interest and also have that many less payments to worry about.</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">You figure out what’s most important</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">When you start examining your budget and decide where to cut costs, you begin to realize what’s important and where you can avoid spending money. Maybe you have monthly subscriptions for services or products you rarely use. Maybe there’s another service you could use that would cost less. You might spend considerably more than you realize. It’s important to take an honest look at your spending habits and evaluate what matters most. This step allows you to stop wasting money and actually put it toward what matters.</span></div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">You have more control</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Maybe it doesn’t feel like it or maybe you feel overwhelmed by monetary concerns, but once you start budgeting, you’ll feel like you have more control over your life. Being financially stable frees you up to make decisions instead of always feeling like you have to worry about bills or when you’ll get your next paycheck. Gaining control over your finances leaves you feeling much more confident and reassured.</span></div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Hartford, CT, USA41.763711099999988 -72.68509319999998341.668963099999985 -72.846454699999981 41.85845909999999 -72.523731699999985tag:blogger.com,1999:blog-4850879504770038976.post-52128037753059739332017-10-13T09:11:00.000-07:002017-11-03T09:12:25.320-07:00Balancing Risks vs. Rewards Regarding Alternative Energy<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-hKQJ2Km69QB0NqJ59qDZQYkRnC8zJzNc59fRLofzXJ8-eg64Hq52eCGcP2shJD-FjyDZtRIZQBYPMJZKfZmyEX-couwOuzhzbbJqaqVT9lBtB0ENAjGQMZJ8n4vcypG7iV0Ssqo-nQNI/s1600/nicholas-fainlight-alternative-energy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="315" data-original-width="560" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-hKQJ2Km69QB0NqJ59qDZQYkRnC8zJzNc59fRLofzXJ8-eg64Hq52eCGcP2shJD-FjyDZtRIZQBYPMJZKfZmyEX-couwOuzhzbbJqaqVT9lBtB0ENAjGQMZJ8n4vcypG7iV0Ssqo-nQNI/s320/nicholas-fainlight-alternative-energy.jpg" width="320" /></a></div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><br /></span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Every election year, alternative energy becomes a key topic in debates and candidate platforms; however, unlike some may think, alternative energy is a topic that should be discussed year round. The term, alternative energy, is used for an energy source that is different from fossil fuels. Typically, those sources are non-traditional and have low environmental impact. Most agree that alternative energy doesn’t harm the environment, which is the key distinction between alternative energy and renewable energy.</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">When it comes to alternative energy sources, solar energy is one of the frontrunners for providing a clean, renewable source of energy for Earth. To clarify for those who are unfamiliar, solar energy is energy emitted by the sun in the form of light that is then absorbed by special panels that convert the light into thermal or electrical energy.</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Formerly, </span><a href="https://alternativeenergy.procon.org/view.resource.php?resourceID=001792" style="border: 0px; color: #3b8dbd; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration-line: none; transition: all 0.2s ease; vertical-align: baseline;">solar</a><span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"> energy was the most expensive form of alternative energy under consideration; however, the prices of solar panels have significantly dropped in the last several years due to companies like Tesla working round the clock to make them more affordable.</span></div>
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To get an idea of the risks of solar energy and investing in it, take a look at the top 2 disadvantages of this alternative energy.</div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">#1. High Initial Costs</span></div>
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This is first on this list of solar energy cons because it is the first problem run into when using this energy source. Most investors agree that the larger upfront investment is the biggest downside to this source of energy.</div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">While solar panels can be a great option for single-family homes, the highest quality panels can cost more than $1,000 each. Plus it typically takes more than one to power the home. However, the lifespan of a panel is about 20-25 years, so when compared with the prices of a traditional energy source over the span of 20 years, the results are going to be staggeringly in favor of the panels.</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">#2: Solar is </span><a href="http://www.investopedia.com/articles/investing/053015/pros-and-cons-solar-energy.asp" style="border: 0px; color: #3b8dbd; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration-line: none; transition: all 0.2s ease; vertical-align: baseline;">Intermittent</a></div>
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One of the largest concerns about solar energy is the nighttime or days of heavy overcast. During those times, the energy absorbed is significantly decreased. There is a solution: energy storage. Like most things though, it comes at a fairly high price. This issue should soon be a thing of the past, as countries, such as Germany, are working to develop solutions to improve efficiency and reduce costs.</div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">There are far more advantages to solar power as an alternative energy source than there are disadvantages. Of course, there are the obvious advantages, such as renewability and sustainability, but what about the lesser known ones? Take a look at the top advantages of solar energy.</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">#1 Greenhouse Emissions</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">The process of taking light and creating electrical power produces zero greenhouse emissions. Although the manufacturing part of the process may be associated with slight emissions, it is severely insignificant in comparison to other energy sources in use today.</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">#2 Low Maintenance</span></div>
<div style="background-color: white; border: 0px; color: #666666; font-family: Titillium, Arial, sans-serif; font-size: 18px; font-stretch: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 1em; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Especially in comparison to other energy sources, such as nuclear, solar energy has remarkably low maintenance requirements. Most residential panels require cleaning once or twice a year. While the upfront costs can seem like a lot at first, the particularly long life-span as well as little to no maintenance balance the investment.</span></div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">When it comes to the energy of the future, solar certainly looks to be a promising alternative energy source with minimal disadvantages.</span></div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Hartford, CT, USA41.763711099999988 -72.68509319999998341.668963099999985 -72.846454699999981 41.85845909999999 -72.523731699999985tag:blogger.com,1999:blog-4850879504770038976.post-67475070751883861662017-10-03T09:02:00.000-07:002017-11-03T09:04:16.553-07:006 Tips for Preparing for the Job Hunt After Graduation<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjluhZ7GSk4sL5zx3lYs75IwKY2ybc1lmF3yIUTIa-b_Xah14KIOHQ4JiWmYjBhQheB8-RfX6g8qf9xBWXKfGmHd1_eAlXew4BifPBHwor78HY8sXtH7yugNYP5DRNSCdnR-k7EXhi41GXv/s1600/nicholas-fainlight-job-hunt.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="315" data-original-width="560" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjluhZ7GSk4sL5zx3lYs75IwKY2ybc1lmF3yIUTIa-b_Xah14KIOHQ4JiWmYjBhQheB8-RfX6g8qf9xBWXKfGmHd1_eAlXew4BifPBHwor78HY8sXtH7yugNYP5DRNSCdnR-k7EXhi41GXv/s320/nicholas-fainlight-job-hunt.jpg" width="320" /></a></div>
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<span style="background-color: white; color: #111111; font-family: Georgia, serif;">Graduating college is a joyful, but also daunting time. You’re ready to take a break from constant homework and stress, but you’ll miss your friends. You want to start being an adult, but you might also not really know how to. Often, the most stressful part of the end of college is finding a job. You know you need to have some kind of job, ideally one that pays all the bills and allows you to rent an apartment, travel, and do fun stuff with friends. Maybe your first job isn’t the best, but you need to start somewhere. For many, the job after graduation is the first professional, full-time job they’ll have. Instead of feeling nervous about finding a new job, follow these tips in order to make job hunting easier.</span><br />
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Be realistic</b></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">When you first begin searching for a job, you might feel excited and optimistic. You’ll want to retain this feeling for as long as possible, so it’s important that you don’t go into your search thinking you’ll land the perfect job in the perfect place right away. No job is perfect and you’ll need to build your way up from an entry level position. For some people, this isn’t that path the follow and they do get a fantastic job right away, so don’t completely lose hope. However, there’s also nothing wrong with getting an entry-level job. You need to work and you can make the most of it.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Focus</b></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Searching for a job is like a full-time job. You need to constantly check job sites and company pages to look for openings, fill out applications, exchange emails, and schedule interviews. If you’re waiting to hear back from an interview, keep applying at other places! Even if it’s taking longer than you anticipated, stay focused on finding a job.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Update your resume</b></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">A mistake many people make is never updating their resume and then sending the same copy to dozens of potential employers. Before applying to any jobs, update your resume. Include internships, volunteer experience, and jobs you had in college. Then, feature the most pertinent information depending on what job you apply for, such as relevant classes or volunteer work.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Create an online presence</b></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Employers love to see that you have some kind of professional, online presence. Do a purge of your social media and get rid of any posts that you wouldn’t want your boss to see, then make your accounts private, unless you want to use them for professional purposes. Create a LinkedIn account if you don’t already have one and consider creating a website to feature some professional blogs you write while job searching.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Network</b></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Most professionals will tell you about the incredible power of networking. Always take advantage of opportunities to build your network and meet new people. You never know who might have a connection that could turn into a future job or some other great opportunity. Make sure to take advantage of any career services your college offers or the alumni network.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Enhance your skills</b></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">While you’re searching for a job, you’ll have some free time. Spend this time productively. Consider volunteering and working a part-time job, but also make sure you enhance your marketable skills. Learn something useful, such as some coding or educate yourself on a specific topic by reading and keeping up with industry news.</span></div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Hartford, CT, USA41.763711099999988 -72.68509319999998341.668963099999985 -72.846454699999981 41.85845909999999 -72.523731699999985tag:blogger.com,1999:blog-4850879504770038976.post-14045178503270366502017-09-26T09:07:00.000-07:002017-11-03T09:10:39.774-07:00Are Investing Apps Really Beneficial?<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7f5f5qdvvoRGaAcZRB9U8T85ruNZpP1TpVpXlysdnxU2Kb9FWUf-8U8s80dkZpDvn1IfUbhh8P_Fqy-sRduroamWycWhgTuF98p_fgO01wG18Nf41dHySR5w4CFd4HobTl9uqYnlDofdy/s1600/nicholas-fainlight-investment-apps.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="315" data-original-width="560" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7f5f5qdvvoRGaAcZRB9U8T85ruNZpP1TpVpXlysdnxU2Kb9FWUf-8U8s80dkZpDvn1IfUbhh8P_Fqy-sRduroamWycWhgTuF98p_fgO01wG18Nf41dHySR5w4CFd4HobTl9uqYnlDofdy/s320/nicholas-fainlight-investment-apps.jpg" width="320" /></a></div>
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<span style="box-sizing: border-box; word-wrap: break-word;">Lately, there’s been a </span><a href="https://www.gobankingrates.com/investing/10-apps-timid-first-time-investors/" style="box-sizing: border-box; color: #ca2017; outline: none; text-decoration-line: none; transition: all 0.1s ease-in-out; word-wrap: break-word;">rise of apps</a><span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;"> offered to help you manage your personal finances. There are various types of apps and options to choose from. Whether you merely want to work on budgeting, keep track of your credit score, or begin investing, you have plenty of apps to check out. However, many people question whether or not these apps are actually worth it, especially investing apps. Is your information secure? Are you wasting money? Will you see any kind of return? I’d like to examine whether or not investing apps actually benefit the user.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">The concerns about them</b></div>
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<span style="box-sizing: border-box; word-wrap: break-word;">One of the main issues surrounding investment apps is the </span><a href="https://www.nerdwallet.com/blog/investing/investing-apps-risks/" style="box-sizing: border-box; color: #ca2017; outline: none; text-decoration-line: none; transition: all 0.1s ease-in-out; word-wrap: break-word;">security</a><span style="box-sizing: border-box; word-wrap: break-word;"> of them. When you create an investment portfolio with a recognized bank or investment company, you must go through layers of security every time you want to do anything, even if it’s simply transferring money </span><i style="box-sizing: border-box; word-wrap: break-word;">into </i><span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">an account. With investment apps, it doesn’t seem as though there’s as much security. Many people are also wary of putting their information online, so creating a new account with an app seems like the perfect way to have your account information compromised. While this concern is completely understandable, all of the popular investment apps have layers of cybersecurity, very similar to that of a banking website. Many apps also guarantee insurance for accounts up to a hundred thousand dollars, so if you’re below that number, you’d still be able to recover all of your money.</span></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Another concern is whether or not the apps are worth the cost. Some of them charge high trading fees or have regular monthly fees, which can seem like a waste of money, especially when you’re trying to grow your wealth. The answer to this issue is a little murkier than the last. While you should certainly be investing your money in some way, it’s up to you what app you choose. Research the fees associated with each app and learn what different keywords mean, such as how much the app charges per trade. Decide how much you’ll be planning on investing into these accounts and whether or not regular fees are worth it.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Benefits of investing apps</b></div>
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<span style="box-sizing: border-box; word-wrap: break-word;">One of the greatest benefits of investing apps is how most of them are </span><a href="https://money.usnews.com/money/personal-finance/mutual-funds/articles/2015/02/25/10-investing-apps-to-supercharge-your-portfolio" style="box-sizing: border-box; color: #ca2017; outline: none; text-decoration-line: none; transition: all 0.1s ease-in-out; word-wrap: break-word;">designed for beginners</a><span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;"> to use. Many people do not have the first clue about investing and the best practices for it, so these apps have been designed with this issue in mind. Most investing apps are relatively simple to use once you take some time to play around with them. Some even offer blogs and other tips to help you with investment decisions. Still others offer you direct assistance from a financial advisor.</span></div>
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Another great benefit of investment apps is that you can open an account with relatively small amounts of money. You can start investing spare change or a few dollars and grow your portfolio. For younger investors, this feature is great, especially since many traditional investment companies require you to have a minimum of a few thousand dollars to invest upfront.</div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">How to make them work for you</b></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Finally, if you decide you do want to get into the world of investing and an app on your phone is the best option for you, there are ways to make sure you make the most of it. The best thing you can do is take your time and research the various apps. Check out blogs that focus on investing, financial advice, and financial apps to see what expert opinions are on the different apps and decide which one best fits your needs.</span></div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Hartford, CT, USA41.763711099999988 -72.68509319999998341.668963099999985 -72.846454699999981 41.85845909999999 -72.523731699999985tag:blogger.com,1999:blog-4850879504770038976.post-23255386578824092282017-09-13T09:05:00.000-07:002017-11-03T09:06:35.151-07:00How to Teach Yourself About Investing<br />
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Far too many people are unaware of the basics of investing, even though it’s one of the best ways to build your wealth. Public schools do not teach anything about it and if you go to college, you really only learn about investing if you take business or finance courses. This lack of knowledge leads to people shying away from investing and relying on a steady and reliable source of income. They often view the stock market as a way to simply lose money, especially if they lack basic knowledge about investing. This viewpoint is completely understandable, but not one you should subscribe to. If you know nothing about investing, it’s never too late to learn! Here are some ways you can teach yourself more about investing and get ready to start a portfolio of your own!</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Take a look at your finances</b></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">The first step you’ll need to take is examining your finances and determining how much money you want to put into investments. If you’re heavily in debt or have no savings, you should take care of those issues before attempting to invest large amounts of money. Get an accurate picture of your finances so you know how much you have available to invest.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Learn the basics</b></div>
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<span style="box-sizing: border-box; word-wrap: break-word;">When you first begin looking at everything that goes into the markets and investing, it can feel overwhelming. People spend years trying to learn the secret to investment success. Instead of feeling intimidated by these approaches, simply start by learning the basics of investing. Learn </span><a href="https://www.thestreet.com/topic/46001/financial-glossary.html" style="box-sizing: border-box; color: #ca2017; outline: none; text-decoration-line: none; transition: all 0.1s ease-in-out; word-wrap: break-word;">what different terms mean</a><span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;"> and how creating an investment portfolio works. But, don’t take too long; the sooner you begin investing, the better!</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Check out online resources</b></div>
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<span style="box-sizing: border-box; word-wrap: break-word;">After you feel like you have a basic understanding of investing, it’s time to start learning about the different approaches people take and cultivate a deeper understanding of the market. A great place to look is online, because there’s a seemingly endless amount of </span><a href="http://www.businessinsider.com/resources-to-learn-about-investing-2015-1" style="box-sizing: border-box; color: #ca2017; outline: none; text-decoration-line: none; transition: all 0.1s ease-in-out; word-wrap: break-word;">online resources</a><span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">, such as ebooks, blogs, podcasts, and many websites that offer expert advice. Check out the credentials of a source before believing everything you read, but most information on investing can be useful, even to just teach you what not to do.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Find experienced people</b></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">You might know someone who’s a financial advisor or who spends a lot of time following the market and knows about investing. These are the people you should talk to. Even if you don’t personally know anyone like this, you can certainly find a forum or website where you can chat with someone who can give you actual advice about investing.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Set your goals</b></div>
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<span style="box-sizing: border-box; word-wrap: break-word;">Before you actually start investing, take a bit of time to set </span><a href="https://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/2012/11/12/4-tips-for-setting-successful-investment-goals" style="box-sizing: border-box; color: #ca2017; outline: none; text-decoration-line: none; transition: all 0.1s ease-in-out; word-wrap: break-word;">your individual goals</a><span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">. How much money do you want to invest? Why are you investing? What return do you hope to see? People invest for different reasons, not simply to generate wealth. Once you’ve decided what your individual goals are, you can start investing.</span></div>
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<b style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Start small</b></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">As you begin your journey as an investor, remember to first start small. You definitely shouldn’t take your entire savings account and invest in high risk stocks; use a smaller, manageable amount first and invest smart. Research the best types of stocks and start out with moderate risk.</span></div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Hartford, CT, USA41.763711099999988 -72.68509319999998341.668963099999985 -72.846454699999981 41.85845909999999 -72.523731699999985tag:blogger.com,1999:blog-4850879504770038976.post-22919966405711345282017-08-29T11:57:00.000-07:002017-11-03T08:58:38.429-07:00The Importance of Risk When It Comes to Finance<br />
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Risk is involved in every aspect of life. The risk of taking your first steps is falling; the risk of asking a person on a date is rejection; the risk of interviewing for a job is failure; the risk of parallel parking is hitting another vehicle. So, it is guaranteed that creating a business or investing in something financially, as well as physically, involves considerable risk.</span></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">What is risk? According to Google, risk is the possibility that something unpleasant or unwelcome will happen. However, according to the business dictionary, risk is a probability of damage, liability, loss, or any other negative occurrence that is caused externally.</span></div>
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<span style="box-sizing: border-box; word-wrap: break-word;">From a finance point of view, </span><a href="http://www.businessdictionary.com/definition/risk.html" style="box-sizing: border-box; color: #ca2017; outline: none; text-decoration-line: none; transition: all 0.1s ease-in-out; word-wrap: break-word;">risk</a><span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;"> is the probability that an investment’s return will be less than expected. However, risk also offers the chance of reward. For example, a reward could be an increased return compared to a lower expectation. Financial risk is comprised of multiple categories: basic risk, capital risk, delivery risk, exchange risk, interest rate risk, political risk, settlement risk, underwriting risk, and much more.</span></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">Examining financial risk includes looking at daily finance operations, such as cash flow, transactions made by the business, and the business’ financial systems set in place. You may consider things like which clients owe the company, how the company plans to retrieve the money, insurance, and its coverage, as well as whether the business can extend credit to customers and how.</span></div>
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When calculating financial risk, external factors like interest rates and foreign exchange rates should be considered. Those factors can affect company competitiveness with services produced abroad; changes in interest rates and exchange rates can immediately affect debt repayments.</div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">All businesses should extensively discuss risk management within the business’ strategic management. Doing so allows the company to identify and tackle any risks before they become an issue, which will in turn aid the chances of reaching defined business goals.</span></div>
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<span style="box-sizing: border-box; word-wrap: break-word;">Once the risks have been pinpointed, there are several ways to address them: accept it, transfer it, reduce it, and eliminate it. Acceptance of a risk might happen if the costs are too high to handle it in any other way. The risk could be dealt with by transferring, which typically takes place with the company insurance. Reducing a risk is merely introducing safety measures to keep the risks from occurring, and eliminating the risk could be something like changing the production process. Once the risks have been determined and the type of </span><a href="http://www.finra.org/investors/reality-investment-risk" style="box-sizing: border-box; color: #ca2017; outline: none; text-decoration-line: none; transition: all 0.1s ease-in-out; word-wrap: break-word;">management</a><span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;"> has been decided, take steps to put the measures into place.</span></div>
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<span style="box-sizing: border-box; word-wrap: break-word;">Risk </span><a href="http://www.infoentrepreneurs.org/en/guides/manage-risk/" style="box-sizing: border-box; color: #ca2017; outline: none; text-decoration-line: none; transition: all 0.1s ease-in-out; word-wrap: break-word;">management</a><span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;"> is not a one time kind of deal; it requires consistent monitoring and should often be reviewed to ensure the management approach is successful. Set the plan in stone by creating a risk management policy that will identify the company’s approach to risk, and it’s management. The CEO’s and the board should all be on the same page before moving to the management policy phase.</span></div>
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<span style="box-sizing: border-box; margin-bottom: 0px; word-wrap: break-word;">All choices in life and business involve risk to some extent. By understanding what risk is and how to manage it, business and employees are more likely to meet their financial goals.</span></div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com1Hartford, CT, USA41.763711099999988 -72.68509319999998341.668963099999985 -72.846454699999981 41.85845909999999 -72.523731699999985tag:blogger.com,1999:blog-4850879504770038976.post-25168680646555192002017-08-18T13:30:00.000-07:002017-11-03T08:55:49.142-07:00Tips for Working Out in Cold Weather<br />
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Colder weather doesn’t have to mean the end of your outdoor workouts. When the snow begins to fall, you don’t have to trade the fresh air and gorgeous scenery for the sweaty and cramped interior of your local gym. With a few simple measures to keep yourself safe and comfortable in chillier temps, enjoying your outdoor workout is more than possible.</div>
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<b style="box-sizing: border-box; outline: none; word-wrap: break-word;">Pay Attention to the Weather</b></div>
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Before heading outside, always make sure to check the forecast. Wind chill can make a cold day even more frigid, so knowing what you’re heading into is critical. Even if the temperature reads above zero, wind chill can easily bring it down into the negative numbers. In these conditions, frostbite can occur in under 30 minutes. Checking the forecast will allow you to prepare yourself by dressing properly and planning an appropriate amount of time for your workout.</div>
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<b style="box-sizing: border-box; outline: none; word-wrap: break-word;">Wear Layers</b></div>
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Dressing appropriately is critical to enjoying your outdoor workout. Wearing layers will insulate your body against the cold, but also allow you to remove clothing should you get too warm. When you actually start moving, especially during higher intensity exercise, your body generates a considerable amount of heat. To avoid sweating too much, layers of clothing can be removed. This will help keep you from excessive sweating which may lead to unnecessary heat loss.</div>
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<b style="box-sizing: border-box; outline: none; word-wrap: break-word;">Avoid Cotton</b></div>
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When you suit up to head outside, avoid wearing clothing or gear constructed from cotton. Instead, choose synthetic materials that wick moisture. Wool is also a great layer option for keeping you warm since it won’t absorb sweat and conduct heat away from your body. Cotton tends to get damp quickly when you sweat. This can lead to increased heat loss as it no longer insulates you from the cold and wind. In fact, it starts to pull heat away from the skin. To protect yourself from this, choose an outer layer that is waterproof to protect yourself from outside moisture and wind.</div>
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<b style="box-sizing: border-box; outline: none; word-wrap: break-word;">Cover it All Up</b></div>
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The body loses a considerable amount of heat through the head, so covering it up is critical. Opt for hats that are made from synthetic material or wool to wick moisture from the scalp. A cotton hat can get sweaty quite quickly, making you uncomfortable and cold. Make sure to wear gloves as well. Fingers and toes are the most susceptible to frostbite, so making sure they are properly insulated is important. To properly insulate your toes and feet, throw on some warm wool socks prior to heading out. Just make sure that your shoes or boots are roomy enough to accommodate the extra fabric. Constricting your feet too much can cut off necessary blood flow, setting you up for misery. Be sure to pay attention to any skin numbness or burning you may feel as these are signs of frostbite. Always listen to your body and head inside if you feel out of sorts.</div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Hartford, CT, USA41.763711099999988 -72.68509319999998341.668963099999985 -72.846454699999981 41.85845909999999 -72.523731699999985tag:blogger.com,1999:blog-4850879504770038976.post-81699953952541119952017-08-09T14:48:00.001-07:002017-08-09T14:49:44.023-07:00Easy Ways To Save A Lot Of Cash<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPYrVpbvoMKir1rXASpk8e8gLmI7JIBZ0BEtMB3-wlasNAqgKvq6ytfsLRtz6QJ4ix_3MbshoATkCZdmtmzPjdHIkxhAj76TU5BzmE_2Gw0t2yKttf6JOIb_4hsa7QCHhIsaEkFwVir5pu/s1600/Nicholas+Fainlight-+Easy+Ways+to+Save+a+Lot+of+Cash.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="315" data-original-width="560" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPYrVpbvoMKir1rXASpk8e8gLmI7JIBZ0BEtMB3-wlasNAqgKvq6ytfsLRtz6QJ4ix_3MbshoATkCZdmtmzPjdHIkxhAj76TU5BzmE_2Gw0t2yKttf6JOIb_4hsa7QCHhIsaEkFwVir5pu/s640/Nicholas+Fainlight-+Easy+Ways+to+Save+a+Lot+of+Cash.png" width="640" /></a></div>
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<span style="background-color: transparent; color: #404040; font-family: "arial"; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Check Out Coupon Sites</span></div>
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<span style="background-color: transparent; color: #404040; font-family: "arial"; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Even if you do not go directly to a coupon website, at least check to see if there are any coupons for what you plan to buy in that moment. Places like pizza restaurants and the like frequently have coupons available for the taking for those who are ordering delivery. </span></div>
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<span style="background-color: transparent; color: #404040; font-family: "arial"; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">File Your Tax Return</span></div>
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<span style="background-color: transparent; color: #404040; font-family: "arial"; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">The vast majority of us are required to file a tax return every year by law. For some reason some people like to drag it out. This might make sense if you are one of the unfortunate ones who has to pay money into the government. However, if you someone who is expecting a tax refund, why would you wait even another minute to file? As soon as the new year rolls around you can file your taxes and start having that refund processed. The sooner you file, the sooner that money can get to you. </span></div>
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<span style="background-color: transparent; color: #404040; font-family: "arial"; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Buy In Bulk</span></div>
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<span style="background-color: transparent; color: #404040; font-family: "arial"; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">A lot of retail and grocery stores count on you buying items in just the quantity that you need at that very moment. If you indulge them in doing this, then they are the ones who really benefit. Stores can mark up smaller quantity items a lot more than what they would sell the same item to you for in bulk. </span></div>
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<span style="background-color: transparent; color: #404040; font-family: "arial"; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Bulk purchases means fewer trips to the store (less temptations to buy more things!), and you get a better price per unit when you shop this way. Check out the price comparisons by either doing the math on the per unit price for yourself, or check the price tags to see this broken down for you on many items in many stores. The difference can be truly astounding.</span></div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0tag:blogger.com,1999:blog-4850879504770038976.post-651383621446151742017-04-03T12:48:00.002-07:002017-08-09T14:50:51.518-07:00How do you Value a Sports Team? <span id="goog_1732983616"></span><span id="goog_1732983617"></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVXs655gW5GURA2R0ElPbTA5n-QaqhRADlLYsXzJM65DgmbMrs5FEMBpIGyke7WjUgLwDANVVkCFFflhCTNuYGZCFq2RZbHzTyUYlDyX5aJITiD5DzU3qvLLokecN_lSG8_1e_gPqSuPZp/s1600/Nicholas+Fainlight-+How+do+you+Value+a+Sports+Team-.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVXs655gW5GURA2R0ElPbTA5n-QaqhRADlLYsXzJM65DgmbMrs5FEMBpIGyke7WjUgLwDANVVkCFFflhCTNuYGZCFq2RZbHzTyUYlDyX5aJITiD5DzU3qvLLokecN_lSG8_1e_gPqSuPZp/s640/Nicholas+Fainlight-+How+do+you+Value+a+Sports+Team-.png" width="640" /></a></div>
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I’ve always found it interesting how economists assign value to sports teams. What dictates one sports team being worth $4 billion while another is worth $2 billion? You’d think it would be the abilities of the players, right? How many games they’ve won? Feats they’ve accomplished? While I’m interested in the economy of sports, I take a bit of nuanced view on the subject because it find it pretty arbitrary how an economist decides how much a team is worth, to an extend sealing the team’s fate. Because there is some kind of system they follow though, and I’m interested in both finance and sports, I thought I’d try to shed some light on the subject.<br />
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Let’s take a look at the most valuable sports team from 2016: the Dallas Cowboys. Now wait a minute, you may be thinking. The Broncos won the Super Bowl in 2016, and the Patriots in 2015 and 2017...what makes the Dallas Cowboys so valuable? At $4 billion, the Dallas Cowboys are the world’s most valuable sports team, even though they haven’t won an NFL championship in 20 years. Instead, we should consider the team’s $1.2 billion home stadium built in 2009, which they sold the naming rights to AT&T in 2013.<br />
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According to financial firm Mercer Capital, “Sports business mandates constitute an amalgam of traditional valuation approaches applied to a specialized industry niche possessing its own distinct value drivers and considerations.” Various factors, both internal and external value drivers, play into the value of a sports team. For the sake of time and space, I’ll explain it in simple terms. A sports franchise’s value is often determined from its future benefits, and sentimental value often plays a larger role in determining a team’s value than factors that would seem to be of more importance, such as the win-loss record of the team and the skills of individual players.<br />
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The valuation of sports teams is complicated and has its own set of rules, with there often being significant differences between fair market value and price. Sometimes a team’s worth is influenced by a wealthy investor who has some kind of sentimental connection to the team, and in that case the team’s ability has nothing to do with their value. A sports team’s value can also be incredibly difficult to define, because it is derived mostly from future benefits looking at projected factors such as the management team, trademarks, brands and logos, customer “fan base” relations, player relations and contracts, customer contracts, broadcasting contracts, arena ownership and lease agreements, and local demographics.<br />
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In short, the economy of sports is complicated and often arbitrary. It follows its own set of rules. From the words of economists at Mercer Capital, “...sports properties encompass a highly specialized segment of our profession that is subject to its own distinct challenges.”<br />
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<i>Originally published on <a href="http://nicholasfainlight.net/">nicholasfainlight.net</a></i><br />
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<br />Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0tag:blogger.com,1999:blog-4850879504770038976.post-58970437775906218602017-02-24T08:03:00.000-08:002017-02-24T08:08:36.902-08:00Nicholas Fainlight Presents: Fun Winter Activities That Won't Break the Bank <div class="separator" style="clear: both; text-align: center;">
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Check out my video presentation for some ideas on how to make the most of the dwindling days of winter. Spring may be just around the corner, but there are still some colder days ahead before spring is in full swing, so learn how you can have fun while saving money!<br />
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<a href="https://vimeo.com/204538358">Fun Winter Activities That Won't Break The Bank</a> from <a href="https://vimeo.com/nicholasfainlight">Nicholas Fainlight</a> on <a href="https://vimeo.com/">Vimeo</a>.Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0tag:blogger.com,1999:blog-4850879504770038976.post-36711452681156569942017-02-24T07:54:00.000-08:002017-02-24T07:56:07.738-08:00Take the Work Out of Working Out <div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqsrx7oaP8xdZeztzIu28dl8BZBW7nT7mne61ylqpKzwEOg2T7PkyI1PlvUYUQqNocZqBca7oi4atmtIGiBMC1f86TtEh_QwTQrgqtokMWFnZo4XDZTzSMjlFGDYdEC6un9WkQ5_BaEdtK/s1600/Nicholas+Fainlight-+Take+The+Work+Out+of+Working+Out.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqsrx7oaP8xdZeztzIu28dl8BZBW7nT7mne61ylqpKzwEOg2T7PkyI1PlvUYUQqNocZqBca7oi4atmtIGiBMC1f86TtEh_QwTQrgqtokMWFnZo4XDZTzSMjlFGDYdEC6un9WkQ5_BaEdtK/s320/Nicholas+Fainlight-+Take+The+Work+Out+of+Working+Out.png" width="320" /></a></div>
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<span style="box-sizing: border-box; outline: none; word-wrap: break-word;">Let’s be honest. Does anyone actually </span><i style="box-sizing: border-box; outline: none; word-wrap: break-word;">enjoy </i><span style="box-sizing: border-box; outline: none; word-wrap: break-word;">working out? Sure, you may be a gym rat who claims to enjoy working up a sweat and building muscle, but given the choice, I’m sure you’d much rather be sprawled out on your couch watching your favorite tv show. That’s because working out is </span><i style="box-sizing: border-box; outline: none; word-wrap: break-word;">work. </i><span style="box-sizing: border-box; outline: none; word-wrap: break-word;">It’s not meant to be fun or easy, because it takes time and oftentimes, some pain. That phrase </span><i style="box-sizing: border-box; outline: none; word-wrap: break-word;">feel the burn </i><span style="box-sizing: border-box; outline: none; word-wrap: break-word;">isn’t for nothing.</span></div>
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<span style="box-sizing: border-box; outline: none; word-wrap: break-word;">If you want to get the most out of your workout, then there will always be some degree of work involved. However, it doesn’t have to feel like work and it can actually be fun if you go about it the right way. I was an active sports player in high school and I always enjoyed the camaraderie that came with being part of a team more than the solo workouts I had to keep up with to stay in shape. In college, when I was busy with mountains of schoolwork, working out became even more of a chore. So I found ways to make it less so and it actually worked! I really do enjoy making fitness a part of my regular routine when I implement tactics to make it more fun. </span></div>
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For some ideas to make working out more fun, check out the full blog <a href="http://nicholasfainlight.org/take-the-work-out-of-your-workout/">here.</a> </div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0tag:blogger.com,1999:blog-4850879504770038976.post-22132773902363077222016-11-24T11:18:00.000-08:002016-11-24T11:18:00.455-08:00Christian Pulisic: The Michael Phelps of Soccer?<div style="color: #3d596d; font-family: Merriweather, Georgia, "Times New Roman", Times, serif; font-size: 15px; margin-bottom: 24px;">
Christian Pulisic is an American (henceforth called football) professional soccer player. He plays for Borussia Dortmund, a German football team. This is highly unusual. While it's not uncommon for European football teams to have players from all over the world, it is uncommon for an American football player to be among them. When it comes to men's football, America has a pretty bad track history. This is to say nothing of the levels of excellence that the women's soccer team has delivered again and again. But our male players often can't compete with the likes of European and South American clubs.</div>
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Christian Pulisic is changing this. At the age of 17, he became the youngest foreigner to score a goal in the German football league Bundesliga (in which Borussia Dortmund contends). He also holds the record for the youngest player in the modern era of football to score a goal for the United States and for the Youngest American player to score a goal in World Cup Qualifying History...</div>
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For the full blog, go to <a data-mce-href="http://nicholasfainlight.org/christian-pulisic-the-michael-phelps-of-soccer/" href="http://nicholasfainlight.org/christian-pulisic-the-michael-phelps-of-soccer/" style="color: #00aadc;" target="_blank">NicholasFainlight.org</a></h1>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-41338521683926442412016-11-23T11:05:00.000-08:002016-11-23T11:05:04.723-08:003 Awesome Finance Podcasts<div style="color: #3d596d; font-family: Merriweather, Georgia, "Times New Roman", Times, serif; font-size: 15px; margin-bottom: 24px;">
If you’re going to be in finance, you’re going to have to read. A lot. As a student, I am inundated in fundamental texts on a daily basis, but textbooks set aside, there is just a lot of reading that goes into the job—pouring over reports, staring at data to identify trends, drafting up proposals and strategies—the works. That’s why I appreciate being able to approach learning from a different tac. The tac of podcasts. Here are four of my current favorite finance podcasts. If you have recommendations others than the one’s I’ve listed, I’d love to hear your thoughts below!</div>
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Planet Money</h2>
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If you’re going to write a blog about finance podcasts to listen to, you would be remiss to not include <strong><a data-mce-href="http://www.npr.org/sections/money/" href="http://www.npr.org/sections/money/" style="color: #00aadc;" target="_blank">Planet Money</a></strong>. It’s an NPR production, so you can bet that it dives in deep, while also still being approachable.</div>
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For the full blog, go to <a data-mce-href="http://nicholasfainlight.net/3-awesome-finance-podcasts/" href="http://nicholasfainlight.net/3-awesome-finance-podcasts/" style="color: #00aadc;" target="_blank">NicholasFainlight.net</a></h1>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-88372984811661954842016-11-23T10:40:00.000-08:002016-11-23T10:42:15.861-08:00 Things You Learn Being on a Sports Team<div dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhA0IB2u1QP88ux_gyvTOQISflaurcpp-QFvMype3kKk_-9moZTdXHrdP6M5OEEwlPcwy6kbNCT1ChdPY4PmQaCVQdbf62UV12vZ-PD4zFUfPMJHalPtPOwG01ZVHbXzvy_7T7zZmcYnXGD/s1600/photo-1471265004050-b3e8ff9c162e.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhA0IB2u1QP88ux_gyvTOQISflaurcpp-QFvMype3kKk_-9moZTdXHrdP6M5OEEwlPcwy6kbNCT1ChdPY4PmQaCVQdbf62UV12vZ-PD4zFUfPMJHalPtPOwG01ZVHbXzvy_7T7zZmcYnXGD/s400/photo-1471265004050-b3e8ff9c162e.jpeg" width="400" /></a></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Believe it or not, sports are not all about aggression, competition, staying in shape, and being the very best. While physical ability is no doubt an important component of sports, if that were the only reason for playing sports, I would have just done a few laps in the pool and called it a day rather than investing so much of my time and energy into competing on my high school’s swim team. </span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Just about every sport out there, even ones that can be more focused on individual training and ability, such as dance or track, involve being part of a team. When you spend so much of your time with other people working toward a common goal, you can learn a thing or two about yourself. Here are just a few of the valuable life lessons that I’ve learned from being involved in sports teams:</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Playing hard on a team translates to the workforce</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Playing hard on a team teaches you many of the same skills that can translate to success in the workforce. For example, knowing how to work well with the other members of your sports team means that you’ll be better-prepared to work well with your coworkers. According to ThinkTank Learning, “</span><span style="background-color: white; color: black; font-family: "arial"; font-size: 15.333333333333332px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Learning about improving yourself as a teammate makes you more prepared to improve yourself as a member of a company or social group.” You’ll learn how to perform well under pressure, when to lead and when to follow, how to communicate non-verbally, how to be reliable and not let your teammates down, and how to encourage others. </span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Focus on what you can control and let go of what you can’t</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">This is an important lesson not just for sports, but for pretty much all aspects of life. You should channel all of your energy into being the best you can be and learn from your mistakes. You aren’t necessarily going to perform at the same level and in the same way as someone else, but as long as you give your personal best 100% of the time, that’s all that matters. </span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Practice makes perfect (better)</span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Practice, practice, practice! Being on a sports team teaches you that the only way to improve and get better is to practice. The saying should really be “practice makes better” though and not “practice makes perfect” because perfection is unrealistic in sports, or anywhere for that matter. By putting in the effort though, you will be rewarded and learn self-discipline. </span></div>
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<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Respect yourself and others </span></div>
<span id="docs-internal-guid-8fe48900-9278-e4d1-892d-d1e1e1a1cd84"></span><br />
<div dir="ltr" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: "arial"; font-size: 14.666666666666666px; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Lastly, being on a sports team teaches you to respect authority figures, such as coaches and peers, as well as your teammates and yourself. Playing on a team gives you greater self-awareness and also a higher level of confidence. When you know what you’re capable of, you’re more likely to push yourself as hard as you can in competition. You will also gain enough self-respect to know not to be a sore loser and not to be so hard on yourself when you tried your best. You’ll learn to merely vow to do better the next time and keep practicing. </span></div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0tag:blogger.com,1999:blog-4850879504770038976.post-45200571840506868362016-11-16T13:08:00.000-08:002016-11-16T13:08:01.836-08:00VIDEO: Four of the Best Chelsea FC Managers in History<div style="color: #3d596d; font-family: Merriweather, Georgia, "Times New Roman", Times, serif; font-size: 15px; margin-bottom: 24px;">
Since the club was founded in 1905, Chelsea FC has witnessed some truly inspiring talent on its field. Yes, I’m talking about the players but I’m also talking about the managers. Antonio Conte seems to be the most recent example of excellence in Chelsea FC management, but he is only one of a long line of superb managers. In my previous blog post<strong><a data-mce-href="http://nicholasfainlight.org/4-of-the-best-chelsea-fc-managers-in-history/" href="http://nicholasfainlight.org/4-of-the-best-chelsea-fc-managers-in-history/" style="color: #00aadc;" target="_blank"> I thoroughly outline the history of managers on the team</a></strong>. Based off of that post, I’ve created a little presentation. Hope you enjoy!</div>
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<span class="mce-preview-object mce-object-iframe" data-mce-object="iframe" data-mce-p-allowfullscreen="allowfullscreen" data-mce-p-data-mce-fragment="1" data-mce-p-frameborder="0" data-mce-p-id="rvw885666" data-mce-p-src="https://www.youtube.com/embed/Wbh-GeZ6bp0" style="border: 1px solid gray; cursor: default; display: inline-block; line-height: 0; margin: 0px 2px; position: relative;"><iframe allowfullscreen="allowfullscreen" frameborder="0" height="150" src="https://www.youtube.com/embed/Wbh-GeZ6bp0" width="300"></iframe><span class="mce-shim" style="background-attachment: initial; background-clip: initial; background-image: url("data:image/gif; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; height: 150px; left: 0px; position: absolute; top: 0px; width: 300px;"></span></span></div>
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<br />Please let me know if you agree with my preference or if you don’t!</div>
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Nicholas Fainlight</h1>
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<strong>For more sports info, visit <a data-mce-href="http://nicholasfainlight.org/" href="http://nicholasfainlight.org/" style="color: #00aadc;" target="_blank">NicholasFainlight.org</a></strong></div>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-24444407934612955402016-11-09T14:11:00.000-08:002016-11-09T14:11:03.547-08:00Black Friday Mirror: 5 Investing Nightmares for the 21st Century<div style="color: #3d596d; font-family: Merriweather, Georgia, "Times New Roman", Times, serif; font-size: 15px; margin-bottom: 24px;">
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It’s Halloween, which means its the time of the year where (people dressed as) ghouls and goblins emerge from their creepy, crawly places to spook us out. Depending, on what information you have access to, that isn’t the only spooky thing happening. Tensions are high for individuals aligned with both political parties in the US. The polar icecaps are getting smaller and smaller. And at any given moment there are a handful of financial nightmares that threaten to keep people up at night. Here’s a look at five:</div>
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Hyper-Connectivity</h1>
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More people have more access to more information than ever before. Every day more and more devices are connected via the CLOUD. According to <strong><a data-mce-href="http://www.businessinsider.com/real-vision-gordon-dee-smith-hyper-connectivity-revolution-2016-10" href="http://www.businessinsider.com/real-vision-gordon-dee-smith-hyper-connectivity-revolution-2016-10" style="color: #00aadc;" target="_blank">an interview Gordon Dee Smith</a></strong>, manager of the private intelligence agency Strategic Insight, there are more cellphones in the world than toothbrushes and that is pretty concerning. As opposed to being structured vertically, individuals can now organize around an idea vertically across the world. This may be great for finding something in common with a number of people across the world, but it also means that the authority of legitimate “vertical” leaders is undermined. As Smith puts it: “You can’t tell who’s who and what’s what anymore.”</div>
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For the full blog, go to <strong><a data-mce-href="http://nicholasfainlight.net/black-friday-mirror-5-investing-nightmares-for-the-21st-century/" href="http://nicholasfainlight.net/black-friday-mirror-5-investing-nightmares-for-the-21st-century/" style="color: #00aadc;" target="_blank">NicholasFainlight.net</a></strong></h1>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-91652363497608065542016-10-27T12:52:00.000-07:002016-10-27T12:52:00.969-07:004 of the Best Chelsea FC Managers in History<div class="separator" style="clear: both; text-align: center;">
<a href="http://nicholasfainlight.org/wp-content/uploads/nicholasfainlight-org/sites/449/Nicholas-Fainlight-Best-Chelsea-FC-Managers-min.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://nicholasfainlight.org/wp-content/uploads/nicholasfainlight-org/sites/449/Nicholas-Fainlight-Best-Chelsea-FC-Managers-min.png" height="320" width="640" /></a></div>
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As the current manager, <strong><a data-mce-href="http://nicholasfainlight.org/who-is-antonio-conte-and-what-will-he-bring-to-chelsea/" href="http://nicholasfainlight.org/who-is-antonio-conte-and-what-will-he-bring-to-chelsea/" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #428bca; text-decoration: none;" target="_blank">Antonio Conte</a></strong> is turning a lot of heads. His arrival was met with some apprehension. In his first management gig for Serie B Arrezo, Conte got sacked only three months for lackluster results. Later he took a position at Juventus and although he went on lead the club from Serie B to Serie A and eventually to a Coppa Italia victory, he eventually resigned on very bad terms with the Juventus hierarchy.</div>
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There are brilliant individuals that know how to get along with others, and there are brilliant individuals with abrasively "strong" personalities. Clearly Conte is the latter.</div>
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Nonetheless, it looks like Conte is getting Chelsea into right good shape. Recently, <strong><a data-mce-href="http://www.express.co.uk/sport/football/724362/Manchester-United-Chelsea-Jose-Mourinho-Antonio-Conte-Premier-League-Hazard-Kante-News" href="http://www.express.co.uk/sport/football/724362/Manchester-United-Chelsea-Jose-Mourinho-Antonio-Conte-Premier-League-Hazard-Kante-News" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #428bca; text-decoration: none;" target="_blank">he lead the team into a 4-0 victory against Manchester United</a></strong>—the same team that former Chelsea Manager Jose Mourinho is currently helming. Ouch.</div>
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With all of the recent buzz around Conte, and given the latest Mourinho/Conte clash, I thought it would be fitting to look back at some of the greatest managers of Chelsea FC—4 to be exact.</div>
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Carlo Ancelotti</h1>
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<dt class="wp-caption-dt" style="-webkit-user-drag: none; font-weight: bold; line-height: 1.42857;"><img alt="Carlo Ancelotti" class="img-responsive" data-mce-src="http://www.chelseafc.com/content/cfc/en/homepage/the-club/history/style/former-managers/style/carlo-ancelotti.img.png" height="360" src="http://www.chelseafc.com/content/cfc/en/homepage/the-club/history/style/former-managers/style/carlo-ancelotti.img.png" style="-webkit-user-drag: none; border: 0px none; display: block; height: auto; margin: 0px; max-width: 100%; padding: 0px; vertical-align: middle; width: auto;" width="640" /></dt>
<dd class="wp-caption-dd" style="-webkit-user-drag: none; font-size: 14px; line-height: 1.42857; margin: 0px; padding-top: 0.5em;">via chelseafc.com</dd></dl>
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After the departure of Guus Hiddink in 2009, Carlo Ancelotti arrived needing to fill some very big shoes. In his first season at Chelsea, Ancelotti managed to win the FA Cup for the club's first ever Double-winning season....</div>
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<span style="font-size: x-large;">For the full blog, go to <a href="http://nicholasfainlight.org/4-of-the-best-chelsea-fc-managers-in-history/" target="_blank">NicholasFainlight.org</a></span></h2>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-10941035551197683122016-10-26T14:15:00.000-07:002016-10-26T14:15:00.178-07:00How the Olympic International Committee Gives Kids a Chance<div class="separator" style="clear: both; text-align: center;">
<a href="http://nicholasfainlight.org/wp-content/uploads/nicholasfainlight-org/sites/449/Olympics-Kids-Chance-Nicholas-Fainlight-min.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://nicholasfainlight.org/wp-content/uploads/nicholasfainlight-org/sites/449/Olympics-Kids-Chance-Nicholas-Fainlight-min.png" height="320" width="640" /></a></div>
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There are a number of stories out there of exceptionally talented and strong-willed kids who dreamed of greatness and were able to achieve it because of the support of others. I’m talking about the <strong><a data-mce-href="http://nicholasfainlight.org/5-books-to-swim-through/" href="http://nicholasfainlight.org/5-books-to-swim-through/" style="color: #00aadc;" target="_blank">untold story of the Maui Sugar Ditch Kids</a></strong>, Disney’s most recent film Queen of Katwe, and even Friday Night Lights. Behind <em>any</em> great athlete, there is a network of people who make that athlete’s dream possible. They provide training, guidance, emotional support, and more.</div>
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This year, the <strong><a data-mce-href="https://www.olympic.org/news/ioc-announces-winners-of-its-2016-sport-and-active-society-grants" href="https://www.olympic.org/news/ioc-announces-winners-of-its-2016-sport-and-active-society-grants" style="color: #00aadc;" target="_blank">Olympic International Committee created a grant program</a></strong> for organizations that run effective “sport for all” programs in their communities, i.e. programs that inspire people to live active, healthy lifestyles. Each of the four winners of the grant are to receive a whopping 20,000 USD to put to their respective projects. It’s an amazing way of helping out those who want to excel by giving them the resources they need to do so.</div>
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Below’s a look at this year’s winners of the Sport and Active Society grants:</div>
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<strong><a data-mce-href="http://boxgirls.org/about/" href="http://boxgirls.org/about/" style="color: #00aadc;" target="_blank">BoxGirls</a></strong> International uses boxing as a catalyst for social change...</div>
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For the full blog, go to <a data-mce-href="http://nicholasfainlight.org/how-the-olympic-international-committee-gives-kids-a-chance/" href="http://nicholasfainlight.org/how-the-olympic-international-committee-gives-kids-a-chance/" style="color: #00aadc;" target="_blank">NicholasFainlight.org </a></h1>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-89124677783798460612016-10-19T14:23:00.000-07:002016-10-19T14:23:01.366-07:00How Presidents Affect Stocks: From the Whole to the Particular<div class="separator" style="clear: both; text-align: center;">
<a href="http://nicholasfainlight.net/wp-content/uploads/nicholasfainlight-net/sites/448/Presidents-and-Stocks-Nicholas-Fainlight-min-720x340.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://nicholasfainlight.net/wp-content/uploads/nicholasfainlight-net/sites/448/Presidents-and-Stocks-Nicholas-Fainlight-min-720x340.png" height="302" width="640" /></a></div>
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Over this past election season, the press has been riddled with headlines proclaiming “<strong><a data-mce-href="https://www.thestreet.com/story/13357827/1/6-stocks-to-buy-if-donald-trump-becomes-president.html" href="https://www.thestreet.com/story/13357827/1/6-stocks-to-buy-if-donald-trump-becomes-president.html" style="color: #00aadc;">6 Stocks to Buy If Donald Trump Is Elected</a></strong>“, “<strong><a class="_Dk" data-href="https://www.thestreet.com/story/13855212/1/trump-friendly-stocks-fall-as-candidate-comes-unshackled.html" data-mce-href="https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&cad=rja&uact=8&ved=0ahUKEwiGyInUkeLPAhWH8z4KHb7DCdoQqQIIJDAB&url=https%3A%2F%2Fwww.thestreet.com%2Fstory%2F13855212%2F1%2Ftrump-friendly-stocks-fall-as-candidate-comes-unshackled.html&usg=AFQjCNF5Lq7Lk8Y93gltR8ZUSHTmNXvRxA" href="https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&cad=rja&uact=8&ved=0ahUKEwiGyInUkeLPAhWH8z4KHb7DCdoQqQIIJDAB&url=https%3A%2F%2Fwww.thestreet.com%2Fstory%2F13855212%2F1%2Ftrump-friendly-stocks-fall-as-candidate-comes-unshackled.html&usg=AFQjCNF5Lq7Lk8Y93gltR8ZUSHTmNXvRxA" style="color: #00aadc;">Trump-friendly stocks fall as candidate comes unshackled</a></strong>“, “<strong><a data-href="http://www.kiplinger.com/slideshow/investing/T052-S003-best-stocks-for-a-hillary-clinton-presidency/index.html" data-mce-href="https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=4&cad=rja&uact=8&ved=0ahUKEwiE853ukeLPAhWJaD4KHYsHArkQFggqMAM&url=http%3A%2F%2Fwww.kiplinger.com%2Fslideshow%2Finvesting%2FT052-S003-best-stocks-for-a-hillary-clinton-presidency%2Findex.html&usg=AFQjCNG-tllKXJ_ZRxYMVRzlYxHu54VtcQ&bvm=bv.135974163,d.cWw" href="https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=4&cad=rja&uact=8&ved=0ahUKEwiE853ukeLPAhWJaD4KHYsHArkQFggqMAM&url=http%3A%2F%2Fwww.kiplinger.com%2Fslideshow%2Finvesting%2FT052-S003-best-stocks-for-a-hillary-clinton-presidency%2Findex.html&usg=AFQjCNG-tllKXJ_ZRxYMVRzlYxHu54VtcQ&bvm=bv.135974163,d.cWw" style="color: #00aadc;">Best Stocks for a Hillary Clinton Presidency</a></strong>“. When it comes to the stock market, candidates have an ostensible sway over how the chips will fall. But the nuances of particular candidates set aside, it’s an observable pattern that election cycles have an effect on the stock market.</div>
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General Trends</h2>
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Looking toward the Stock Trader’s Almanac, <strong><a data-mce-href="http://www.kiplinger.com/article/investing/T043-C008-S003-how-presidential-elections-affect-the-stock-market.html" href="http://www.kiplinger.com/article/investing/T043-C008-S003-how-presidential-elections-affect-the-stock-market.html" style="color: #00aadc;" target="_blank">Kiplinger reports</a></strong> that the first two years of a new president’s term are often marked by bearish markets and recession, whereas the last two years of a presidents term are marked by bullish markets and general prosperity. Along those same lines, it seems that the Down Jones Industrial has a history of increasing around 10% points in the year before a presidential election and 6% the year of an election.</div>
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For the full blog, go to <a data-mce-href="http://nicholasfainlight.net/how-presidents-affect-stocks-from-the-whole-to-the-particular/" href="http://nicholasfainlight.net/how-presidents-affect-stocks-from-the-whole-to-the-particular/" style="color: #00aadc;" target="_blank">NicholasFainlight.net</a>. </h1>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-23126592325114856232016-10-07T10:01:00.000-07:002016-10-07T10:01:01.073-07:00Nicholas Fainlight Presents: The Holy Trinity Of Stock Trading Apps <div style="color: #3d596d; font-family: Merriweather, Georgia, "Times New Roman", Times, serif; font-size: 15px; margin-bottom: 24px;">
Today, anyone with a smart phone and an internet connection can be a trader. All it takes is the right selection of apps and proper knowhow. Here's a video presentation that takes a look at several apps that any mobile trader shouldn't be without.</div>
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<br /><span class="mce-preview-object mce-object-iframe" data-mce-object="iframe" data-mce-p-allowfullscreen="allowfullscreen" data-mce-p-frameborder="0" data-mce-p-src="https://www.youtube.com/embed/skr_IoNoxSo" style="border: 1px solid gray; cursor: default; display: inline-block; line-height: 0; margin: 0px 2px; position: relative;"><iframe allowfullscreen="allowfullscreen" frameborder="0" height="315" src="https://www.youtube.com/embed/skr_IoNoxSo" width="560"></iframe><span class="mce-shim" style="background-attachment: initial; background-clip: initial; background-image: url("data:image/gif; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; height: 315px; left: 0px; position: absolute; top: 0px; width: 560px;"></span></span><br /> </div>
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For the full blog, go to <a data-mce-href="http://nicholasfainlight.net/the-holy-trinity-of-stock-trading-apps/" href="http://nicholasfainlight.net/the-holy-trinity-of-stock-trading-apps/" style="color: #00aadc;" target="_blank">NicholasFainlight.net</a>.</h1>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-89181701926315333482016-10-04T08:18:00.000-07:002016-10-04T08:18:06.903-07:00<div style="color: #3d596d; font-family: Merriweather, Georgia, "Times New Roman", Times, serif; font-size: 15px; margin-bottom: 24px;">
Now that the Olympics and the Paralympics are over I’m feeling a big wide gap in my swim consumption. Sure, there’s always national and international coverage on champions and tournaments and world-records. And god knows I’ve been spending a lot of time looking back at replays both from this past year’s olympics and the prior ones. But I find myself without a story to latch onto. That’s why I’ve started to (flip)turn towards swimming books. Whether you know the characters in a story or not, every time you read a story it’s as if you’re experiencing it for the first time. Reading a story never happens the same way twice. As you change, so do your views and associations. A story may remind of one thing during your first read, but during a second read you may find yourself launched into a whole other world.</div>
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As you can tell, I’m pretty stoked to be getting some good reading on. Specifically, swimming reading. I’ve combed the interwebs and the below books are currently on my to-read list.</div>
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The Artistic Choice</h1>
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<img class="aligncenter" data-mce-src="http://lisacongdon.com/wp-content/uploads/2015/12/JoyOfSwimming_ApprovedCVR_800.jpg?w=680" data-wpmedia-src="http://lisacongdon.com/wp-content/uploads/2015/12/JoyOfSwimming_ApprovedCVR_800.jpg" height="956" src="http://lisacongdon.com/wp-content/uploads/2015/12/JoyOfSwimming_ApprovedCVR_800.jpg?w=680" style="display: block; height: auto; margin-left: auto; margin-right: auto; max-width: 100%;" width="717" /></div>
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<a data-mce-href="https://www.amazon.com/Joy-Swimming-Celebration-Getting-Water/dp/1452144133/ref=zg_bs_16674_17/161-6461148-0485559" href="https://www.amazon.com/Joy-Swimming-Celebration-Getting-Water/dp/1452144133/ref=zg_bs_16674_17/161-6461148-0485559" style="color: #00aadc;" target="_blank"><strong>The Joy of Swimming: A Celebration of Our Love for Getting in the Water</strong></a></div>
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by Lisa Congdon</div>
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Just one look through the pages of <em>The Joy of Swimming</em> is enough to make you want to keep a copy of it on your coffee table forever. But this is so much more than a coffee table book. Using beautiful illustrations, Lisa Congdon explores the history of swimming, some of the greatest athletes ever to hit the water, and some of the most inspiring quotes ever said. Being a swimmer herself, Congdon infects every page with her passion for the sport with the end result of making you want to hop in the pool. (Note that Lynne Cox, mentioned below, writes the foreword)! </div>
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For the full blog, go to <a data-mce-href="http://nicholasfainlight.org/5-books-to-swim-through/" href="http://nicholasfainlight.org/5-books-to-swim-through/" style="color: #00aadc;" target="_blank">NicholasFainlight.org</a></h1>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-4738578613525919242016-09-22T14:45:00.000-07:002016-09-22T14:45:00.175-07:00The Holy Trinity of Stock Trading Apps<div style="color: #3d596d; font-family: Merriweather, Georgia, "Times New Roman", Times, serif; font-size: 15px; line-height: 25.5px; margin-bottom: 24px;">
Ten years ago, no one would have imagined that it would be possible to manage you stocks from nearly anywhere with the help of your phone. Today, mobile trading is a very convenient way to constantly keep an eye on market prices, and even buy and trade. Although there are a lot of great apps out there, I've yet to encounter one app the encompasses everything it takes to be a successful mobile trader. However there are several apps that when combined together make for a mobile trading force of Megazord proportions. And all of them are 100% free.</div>
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<img data-mce-src="https://s-media-cache-ak0.pinimg.com/originals/85/a7/63/85a76313c2e69a94e70defcfb2e7bf38.jpg" data-mce-style="-webkit-user-select: none;" src="https://s-media-cache-ak0.pinimg.com/originals/85/a7/63/85a76313c2e69a94e70defcfb2e7bf38.jpg" style="-webkit-user-select: none; height: auto; max-width: 100%;" /></div>
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Robinhood</h1>
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<strong><a data-mce-href="https://www.robinhood.com/" href="https://www.robinhood.com/" style="color: #00aadc;" target="_blank">Robinhood</a></strong> removes the barriers of entry that would make young traders like myself unable to participate. It's the Venmo of the trading world...</div>
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For the full blog, go to <a data-mce-href="http://nicholasfainlight.net/the-holy-trinity-of-stock-trading-apps/" href="http://nicholasfainlight.net/the-holy-trinity-of-stock-trading-apps/" style="color: #00aadc;" target="_blank">NicholasFainlight.net</a>.</h1>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-52760254787650098082016-09-19T13:08:00.000-07:002016-09-19T13:08:04.486-07:003 Aweseome Sports Unique to the Paralympics<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimy0Vrm48E5KPJ0QqPVk7u-Ywb8tc8g2ekagbRV45S0zhoC_uM7GIW4_E9BZycZxUB4LZJ1NAqCaLKENTo4MnHWiIefQLttCSTnOPpvT-isAibNw2oKW7WfrurqUdKyiy31V5KBmYe0XzD/s1600/Nicholas-Fainlight-3-Awesome-Sports-Unique-to-the-Paralympics-min.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimy0Vrm48E5KPJ0QqPVk7u-Ywb8tc8g2ekagbRV45S0zhoC_uM7GIW4_E9BZycZxUB4LZJ1NAqCaLKENTo4MnHWiIefQLttCSTnOPpvT-isAibNw2oKW7WfrurqUdKyiy31V5KBmYe0XzD/s640/Nicholas-Fainlight-3-Awesome-Sports-Unique-to-the-Paralympics-min.png" width="640" /></a></div>
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The Olympics may be over, but the <a data-mce-href="https://www.paralympic.org/rio-2016" href="https://www.paralympic.org/rio-2016" style="color: #00aadc;" target="_blank">Paralympics</a> are still going strong over in Brazil. Even though the US isn’t doing as well in the Paralympics as they did in the regular Olympics (I’m sure a lack of <a data-mce-href="http://nicholasfainlight.org/why-michael-phelps-is-awesometo-me/" href="http://nicholasfainlight.org/why-michael-phelps-is-awesometo-me/" style="color: #00aadc;" target="_blank">Phelps</a> isn’t helping), it’s still worth your time to check out what these awesome athletes are up to. The Paralympics grew out of a small gathering of British World War II veterans in 1948. Since then it has grown to be one of the largest athletic events in the world.</div>
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Boccia</h1>
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Often referred to as “bocce ball” in the United States, boccia is a sport of strategy and precision. Think, shuffleboard or the summer equivalent of curling. Even though boccia is often thought of as warm weather beach time activity, it was originally designed for those with cerebral palsy.</div>
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For the full blog, go to <a data-mce-href="http://The Olympics may be over, but the Paralympics are still going strong over in Brazil. Even though the US isn’t doing as well in the Paralympics as they did in the regular Olympics (I’m sure a lack of Phelps isn’t helping), it’s still worth your time to check out what these awesome athletes are up to. The Paralympics grew out of a small gathering of British World War II veterans in 1948. Since then it has grown to be one of the largest athletic events in the world. Boccia Often referred to as “bocce ball” in the United States, boccia is a sport of strategy and precision. Think, shuffleboard or the summer equivalent of curling. Even though boccia is often thought of as warm weather beach time activity, it was originally designed for those with cerebral palsy." href="http://the%20olympics%20may%20be%20over%2C%20but%20the%20paralympics%20are%20still%20going%20strong%20over%20in%20brazil.%20even%20though%20the%20us%20isn%E2%80%99t%20doing%20as%20well%20in%20the%20paralympics%20as%20they%20did%20in%20the%20regular%20olympics%20%28i%E2%80%99m%20sure%20a%20lack%20of%20phelps%20isn%E2%80%99t%20helping%29%2C%20it%E2%80%99s%20still%20worth%20your%20time%20to%20check%20out%20what%20these%20awesome%20athletes%20are%20up%20to.%20the%20paralympics%20grew%20out%20of%20a%20small%20gathering%20of%20british%20world%20war%20ii%20veterans%20in%201948.%20since%20then%20it%20has%20grown%20to%20be%20one%20of%20the%20largest%20athletic%20events%20in%20the%20world.%20%20boccia%20often%20referred%20to%20as%20%E2%80%9Cbocce%20ball%E2%80%9D%20in%20the%20united%20states%2C%20boccia%20is%20a%20sport%20of%20strategy%20and%20precision.%20think%2C%20shuffleboard%20or%20the%20summer%20equivalent%20of%20curling.%20even%20though%20boccia%20is%20often%20thought%20of%20as%20warm%20weather%20beach%20time%20activity%2C%20it%20was%20originally%20designed%20for%20those%20with%20cerebral%20palsy./" style="color: #00aadc;" target="_blank">NicholasFainlight.org</a>.</h1>
Anonymoushttp://www.blogger.com/profile/16099829628708336107noreply@blogger.com0Charlotte, NC, USA35.2270869 -80.84312669999997134.8118989 -81.488573699999975 35.642274900000004 -80.197679699999966tag:blogger.com,1999:blog-4850879504770038976.post-18995184003468044732016-08-18T15:36:00.001-07:002016-08-18T15:36:45.603-07:00Why Michael Phelps Is Awesome (to me)<p>It’s no secret that I like Michael Phelps. In fact, I think he’s awesome. It’s not just that he’s a good swimmer (he is a good swimmer). It’s not just that he’s a good guy (he is a good guy). It’s a confluence of factors both objective and personal. Here’s what they are:</p>
<h1><strong>The Medals</strong></h1>
<p>I might as well come right out and say it, otherwise you’ll be reading through the rest of the post thinking “yeah, yeah, yeah, but what about the medals”. Yes, with 23 gold medals and 28 overall, Michael Phelps is <a href="http://ift.tt/2b0bka5" target="_blank">the most decorated Olympian ever</a>.</p>
<p><img class="aligncenter" src="http://ift.tt/2bpZWIZ" /></p>
<p>There’s no two ways about it Michael Phelps is a swimmer of legendary proportions. Time and time again he’s been able to break world records and then eventually his own records. In a sport where many participants push the boundaries of the human body in water, he manages to push the boundaries even more. Yes. He’s had a lot of medals. Yes he’s a great swimmer. But he’s also so much more…</p>
<h1>For the full blog, go to <a href="http://ift.tt/2b7Gj51" target="_blank">NicholasFainlight.org</a>.</h1>
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