tag:blogger.com,1999:blog-18958453053570098722024-03-15T18:09:35.054-07:00Connie O'Dell - DV, EDA, jobseeking, life,whateverConnie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.comBlogger1145125tag:blogger.com,1999:blog-1895845305357009872.post-48110763852817737582023-10-12T15:46:00.001-07:002023-10-12T15:46:54.243-07:00DEMONSTRATING VULNERABILITY, thanks to MattNorman.con<div dir="auto">I think this is good advice for nerdy women also, including myself…</div><div><div class="gmail_quote"><br><div><a href="https://www.mattnorman.com/demonstrating-vulnerability/" target="_blank">https://www.mattnorman.com/demonstrating-vulnerability/</a><br></div><div dir="auto"><br></div><div dir="auto"><div><div style="box-sizing:border-box;text-transform:uppercase;color:rgb(85,85,85);font-family:Lora,serif;font-size:14px;font-style:normal;font-variant-caps:normal;font-weight:400;letter-spacing:0.21px;text-align:center;text-indent:0px;white-space:normal;word-spacing:0px;text-decoration:none"><h1 style="box-sizing:border-box;font-size:18px;margin:14px 0px 10px;font-family:Montserrat,sans-serif;font-weight:400;line-height:1.8em;color:rgb(38,38,38);letter-spacing:0.1em">8 PRACTICAL STEPS FOR DEMONSTRATING VULNERABILITY (ESPECIALLY FOR MEN)</h1></div><div style="box-sizing:border-box;font-style:italic;color:rgb(85,85,85);font-family:Lora,serif;font-size:14px;font-variant-caps:normal;font-weight:400;letter-spacing:0.21px;text-align:center;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none"><span style="box-sizing:border-box">January 18, 2017</span></div><div style="box-sizing:border-box;padding:22px 0px;text-align:left;color:rgb(85,85,85);font-family:Lora,serif;font-size:14px;font-style:normal;font-variant-caps:normal;font-weight:400;letter-spacing:0.21px;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;text-decoration:none"><p style="box-sizing:border-box;margin-top:0px;margin-bottom:10px"><strong style="box-sizing:border-box;font-weight:700"></strong>In her TED Talk,<span> </span><a href="https://www.ted.com/talks/brene_brown_on_vulnerability" style="box-sizing:border-box;background-color:transparent;outline:currentcolor;color:rgb(0,96,152);text-decoration:underline" target="_blank">The power of vulnerability</a>(the fourth most-watched in the series, with 28 million views and counting), Brene Brown discusses research showing that we build connections, contentment and credibility when we "show up as we really are."</p><p style="box-sizing:border-box;margin-top:0px;margin-bottom:10px">And "as we really are" is wounded—vulnerable.</p><p style="box-sizing:border-box;margin-top:0px;margin-bottom:10px"><img src="https://www.mattnorman.com/wp-content/uploads/2017/01/wounded2-300x200.jpg" alt="wounded2" width="300" height="200" style="box-sizing:border-box;height:auto;max-width:100%;border:0px;vertical-align:middle;float:left;margin-right:30px"></p><p style="box-sizing:border-box;margin-top:0px;margin-bottom:10px">Maybe not right at this moment. Perhaps you don't characterize your struggles as hurts. Maybe, like me, you've been conditioned to believe that you should always appear strong.</p><p style="box-sizing:border-box;margin-top:0px;margin-bottom:10px">It's difficult for me to acknowledge when I hurt. In fact, whether it was my athletic coaches telling me to play through the pain or my friends regularly competing for who was coolest and toughest, boys in the culture where I grew up were socialized to eschew pain.</p><p style="box-sizing:border-box;margin-top:0px;margin-bottom:10px">All this means that Brene Brown, leadership consultants and marriage and family therapists who<span> </span><a href="https://www.mattnorman.com/why-be-vulnerable/" style="box-sizing:border-box;background-color:transparent;outline:currentcolor;color:rgb(0,96,152);text-decoration:underline" target="_blank">advocate vulnerability</a><span> </span>have placed many people, notably men, into a difficult situation.</p><p style="box-sizing:border-box;margin-top:0px;margin-bottom:10px">Do something contrary to everything I was socialized and modeled to do my entire life?</p><p style="box-sizing:border-box;margin-top:0px;margin-bottom:10px">Many men are like the guy I ate lunch with last month. When the topic of vulnerability came up, he said, "My wife says she wants me to be more vulnerable, but I don't even know how!"</p><p style="box-sizing:border-box;margin-top:0px;margin-bottom:10px">Here are some ideas on how to be vulnerable, even if vulnerability isn't your natural thing:</p><ol style="box-sizing:border-box"><li style="box-sizing:border-box;margin-bottom:10px"><strong style="box-sizing:border-box;font-weight:700">Accept that you have issues…on the inside.</strong><span> </span>Consider your addiction, avoidance, rushing, distraction, preoccupation or sleeplessness. That's where you might find your vulnerability.</li><li style="box-sizing:border-box;margin-bottom:10px"><strong style="box-sizing:border-box;font-weight:700">Develop emotional vocabulary.</strong>Vulnerability is most appropriately characterized through emotive words. When we talk about relational vulnerability, we're talking about wounds of the heart and mind – like anxiety, fear, sadness, or shame.</li><li style="box-sizing:border-box;margin-bottom:10px"><strong style="box-sizing:border-box;font-weight:700">Discern safe people and places.</strong>Not every situation or person is appropriate for revealing your vulnerability. But there are probably more appropriate situations and people than you might think. Disclosure of vulnerability is often less risky than you might worry it would be. In fact, you'll likely discover that acknowledging your vulnerability will be viewed as an act of strength and courage.</li><li style="box-sizing:border-box;margin-bottom:10px"><strong style="box-sizing:border-box;font-weight:700">Describe what's happening on the inside.</strong><span> </span>It's tempting to just talk about the externalities around vulnerability. Rather than saying, "We are behind budget, and my boss is really being a jerk about it," you might say, "I'm feeling concerned about our budget status. It's making me feel insecure about our team's progress. It's also hard for me to talk with my boss about it."</li><li style="box-sizing:border-box;margin-bottom:10px"><strong style="box-sizing:border-box;font-weight:700">Impress people with<span> </span><em style="box-sizing:border-box">how</em><span> </span>you share, not<span> </span><em style="box-sizing:border-box">what</em><span> </span>you share.</strong><span> </span>Another temptation is to say things that we think might make others think more of us. I've never been impressed, for example, when someone tells me in a job interview that a weakness they have is "caring too much" or "working too hard." I'm much more impressed when someone admits something faulty about themselves, but they do it in a way that is honest, curious and courageous. I think, "That's someone I can work with."</li><li style="box-sizing:border-box;margin-bottom:10px"><strong style="box-sizing:border-box;font-weight:700">Commit to regular practice.</strong><span> </span>Even when things seem to be firing on all cylinders, if I'm honest, I'm feeling mixed. I may be feeling distracted, proud or worried that the momentum won't continue. I'm a human being. I always have vulnerabilities. I try to bring vulnerability into work presentations, one-on-one meetings with colleagues and even with clients. The more I practice showing up as I really am, the more fluent I become.</li><li style="box-sizing:border-box;margin-bottom:10px"><strong style="box-sizing:border-box;font-weight:700">Self-affirm who you are.</strong><span> </span>Voicing vulnerabilities is<span> </span><em style="box-sizing:border-box">not<span> </span></em>self-condemnation, self-pity or self-effacing. It's the opposite. It's a declaration of courage and humanity. And you need to remind yourself of that. Everyone has vulnerability. Everyone. It's the strong, the self-aware and the honest who can tell people about it.</li><li style="box-sizing:border-box;margin-bottom:10px"><strong style="box-sizing:border-box;font-weight:700">Make</strong><span> </span><strong style="box-sizing:border-box;font-weight:700">space for reciprocation.</strong><span> </span>You give a great gift to your family, your organization and your community when you not only<span> </span><em style="box-sizing:border-box">show<span> </span></em>vulnerability but also<span> </span><em style="box-sizing:border-box">support<span> </span></em>vulnerability. This means showing up as you really are…and then shutting up so others can show up, too. It means listening, asking, caring and avoiding the temptations to fix or rescue. Vulnerability is relational.</li></ol><p style="box-sizing:border-box;margin-top:0px;margin-bottom:10px">How vulnerable are you? What difference would it make if you showed up more often as you really are?</p></div></div><br></div></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-44118439214754297952023-08-25T20:09:00.001-07:002023-08-25T20:09:18.346-07:00Solution: 310-151 and 310-174 are not compatible, thanks to Moment lens tech support!<div>From: <strong class="gmail_sendername" dir="auto" style="border-color:rgb(255,255,255)">Moment</strong> <span dir="auto" style="border-color:rgb(255,255,255)"><<a href="mailto:hello@shopmoment.com">hello@shopmoment.com</a>></span><br></div><div><div class="gmail_quote"><div bgcolor="#ffffff"><div id="m_7329782002246521508hsReplyAbove"><div style="font-family:sans-serif" dir="auto"><div style="font-family:sans-serif"><br>Thanks for reaching out to us! <br><br>I apologize for the issues you are experiencing with your dorp-in lens mounts. <br><br>Just to clarify, did you remove the trim ring that comes pre installed in the case? the clear cases trim rings are also clear on not obvious that they need to be removed before installing the mounts. <br><br>You can see a video walkthrough installing the drop-in lens mounts <a href="https://help.shopmoment.com/article/286-getting-started-moment-case-drop-in-mounts" target="_blank" style="font-family:sans-serif">here</a>. <br><br>I hope this helps clarify! if you have any other questions or need further assistance with this please let us know! <br><br>Best, </div><br> <br><table cellpadding="3" style="font-family:sans-serif"><tbody style="font-family:sans-serif"><tr style="font-family:sans-serif"><td style="padding-right:8px;font-family:sans-serif"> <img src="https://d33v4339jhl8k0.cloudfront.net/users/515156.245911.jpg" width="50" border="0" style="border: 1px solid rgb(233, 233, 233); border-radius: 4px; font-family: sans-serif;"> </td> <td style="font-family:sans-serif"> <div style="padding-bottom:3px;font-family:sans-serif"> <strong style="font-family:sans-serif;color:rgb(0,0,0)">Mason Tuttle</strong> </div> Gear Guide<br></td> </tr></tbody></table><br><a href="https://apps.apple.com/app/pro-camera-by-moment/id927098908" target="_blank" style="font-family:sans-serif">Download Pro Camera</a><br><a href="https://moment-2-shop.fourthwall.com/" target="_blank" style="font-family:sans-serif">NEW Moment Merch</a><br><a href="https://www.youtube.com/@MomentTutorials" target="_blank" style="font-family:sans-serif">NEW Tutorial Channel</a><br>Connect - <a href="https://www.shopmoment.com/momentist-email" target="_blank" style="font-family:sans-serif">Newsletter</a> |<em style="font-family:sans-serif"> </em><a href="https://www.instagram.com/moment/" style="font-style:italic;font-family:sans-serif" target="_blank">Instagram</a><em style="font-family:sans-serif"> | </em><a href="https://twitter.com/moment" style="font-style:italic;font-family:sans-serif" target="_blank">Twitter</a><em style="font-family:sans-serif"> | </em><a href="https://www.facebook.com/moment" style="font-style:italic;font-family:sans-serif" target="_blank">Facebook</a><em style="font-family:sans-serif"> | </em><a href="https://www.youtube.com/channel/UCDqzuoZDmQ1u9oNZ_F3zi4A?sub_confirmation=1" style="font-style:italic;font-family:sans-serif" target="_blank">YouTube</a> | <a href="https://www.reddit.com/r/MOMENT/" target="_blank" style="font-family:sans-serif"><em style="font-family:sans-serif">Reddit</em></a><br><br> </div> <span height="0" style="font-size:0px;height:0px;line-height:0px;color:rgb(255,255,255)" id="m_7329782002246521508hsContentRef">{#HS:2342342290-761628#}</span> <img src="https://secure.helpscout.net/notification/convo/read/2342342290/7006259813/" alt=""> <br> </div> <div class="gmail_quote" style="font-family:sans-serif"> On Fri, Aug 25, 2023 at 6:51 PM PDT, Connie ODell <<a href="mailto:odellconnie@gmail.com" target="_blank" style="font-family:sans-serif">odellconnie@gmail.com</a>> wrote: <blockquote type="cite" class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left-width:1px;border-left-style:solid;padding-left:1ex;font-family:sans-serif;border-left-color:rgb(204,204,204)"> <div style="font-family:sans-serif"> <div style="font-family:sans-serif">310-151 and 310-174 are not compatible. They do not fit together. I bought these for my iPhone 13 mini on the advice of your website. What the heck? <br>The case fits the iPhone fine, but the lens mounts are definitely a problem. I am going to africa tomorrow, and this is real annoying. Even one edge of the lens mount does not fit into the opening of the case. Is this a problem with the clear cases (which look like regular cheap cases), that the lens mounts don't fit? The website does not indicate that. I would have gotten the solid colored case if it came in anything but black (???).</div> <br> </div> </blockquote> </div> </div> </div></div><span class="gmail_signature_prefix">-- </span><br><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div style="font-size:13px"><div style="font-size:13px">Cheers,</div><div style="font-size:13px">Connie O'Dell</div><div style="font-size:13px"><a href="mailto:odellconnie@gmail.com" style="color:rgb(17,85,204)" target="_blank">odellconnie@gmail.com</a></div><div style="font-size:13px"><a value="+17202604442" style="color:rgb(17,85,204)">720-260-4442</a></div></div><br></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-19176806557433675842023-06-26T15:42:00.000-07:002023-06-26T16:29:17.485-07:00Do not buy IMG travel medical insurance unless you never plan to claim any medical expenses<div dir="ltr"><div class="gmail_signature" data-smartmail="gmail_signature" dir="ltr"><div dir="ltr">IMG travel medical insurance - The most terrible travel medical insurance I have ever dealt with! Today, a rep told me we would have to provide lifetime medical records for my husband in order to prove he didn't have a pre-existing condition. She seemed very sure! I wish I'd found the real reviews sooner, as this seems to be the standard claim denial reason from IMG...<br /><br />If anyone would like to suggest how one protests the behavior of a chronically claim-underpaying company, I'd like to see it. I'm not the first person to complain to the BBB or on twitter or facebook...<br /></div><div dir="ltr">(P.S. One of my friends suggested complaining to the AG of Colorado. Might try it. ??)</div><div dir="ltr"><br /></div><div dir="ltr">Other people's complaints, all over the internet (the good reviews are uniformly from people that did *not* make claims):<br /></div><div dir="ltr"><br /></div><div><a href="https://www.trustpilot.com/review/imglobal.com">https://www.trustpilot.com/review/imglobal.com</a><br /></div><div><br /></div><div>(several of these are frighteningly similar to my experience)</div><div><a href="https://www.insuremytrip.com/travel-insurance-reviews/providers/international-medical-group/?page=1">https://www.insuremytrip.com/travel-insurance-reviews/providers/international-medical-group/?page=1</a><br /></div><div><br /></div><div><a href="https://www.bbb.org/us/in/indianapolis/profile/travel-insurance/international-medical-group-inc-0382-17001341/customer-reviews">https://www.bbb.org/us/in/indianapolis/profile/travel-insurance/international-medical-group-inc-0382-17001341/customer-reviews</a><br /></div><div><br /></div><div><a href="https://twitter.com/search?q=IMGLOBAL%20claims&src=spelling_expansion_revert_click">https://twitter.com/search?q=IMGLOBAL%20claims&src=spelling_expansion_revert_click</a><br /></div><div><br /><br /></div></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-33887576473620552192023-01-02T21:08:00.001-08:002023-01-02T21:08:44.789-08:00Diversity Book Club: They Called Us Enemy by George Takei In-Person Special Guest Marge Taniwaki will be present to talk about Japanese Incarceration in America during WWII from a survivor's perspective while we explore They Called Us Enemy by George Takei. Enjoy coffee and tea while we chat. You can also listen to Marge's Oral History in Carnegie Library's Oral History Project. Diversity Book Club meets the second Tuesday every other month. Generously sponsored by the Boulder Library Foundation. Date: Tuesday, Jan 10 2023 Time: 2:00pm - 3:00pm Location: George Reynolds Meeting Room, George Reynolds Branch Audience: Adult Categories: Discussion Groups<div><h1 class="media-heading" style="box-sizing:border-box;margin:0px 0px 5px;font-family:Arial,sans-serif;font-weight:500;line-height:normal;color:rgb(51,51,51)" dir="auto">Diversity Book Club: They Called Us Enemy by George Takei <span class="label label-info s-lc-eventcard-pill" style="box-sizing:border-box;display:inline;padding:0.2em 0.6em 0.3em;font-size:14px;font-weight:700;line-height:1;text-align:center;white-space:nowrap;vertical-align:baseline;border-radius:1em;font-family:Arial,sans-serif;background-color:rgb(91,192,222);color:rgb(255,255,255)">In-Person</span></h1><div id="s-lc-event-desc" style="box-sizing:border-box;margin-top:20px;font-family:Arial,sans-serif;font-size:14px;color:rgb(51,51,51)" dir="auto"><p style="box-sizing:border-box;margin:0px 0px 10px;font-size:16px;font-family:Arial,sans-serif">Special Guest Marge Taniwaki will be present to talk about Japanese Incarceration in America during WWII from a survivor's perspective while we explore <em style="box-sizing:border-box;font-family:Arial,sans-serif">They Called Us Enemy</em> by George Takei.</p><p style="box-sizing:border-box;margin:0px 0px 10px;font-size:16px;font-family:Arial,sans-serif">Enjoy coffee and tea while we chat.</p><p style="box-sizing:border-box;margin:0px 0px 10px;font-size:16px;font-family:Arial,sans-serif">You can also listen to <a href="https://localhistory.boulderlibrary.org/islandora/object/islandora%3A87701" style="box-sizing:border-box;font-family:Arial,sans-serif;color:rgb(32,57,157)">Marge's Oral History</a> in Carnegie Library's Oral History Project.</p><p style="box-sizing:border-box;margin:0px 0px 10px;font-size:16px;font-family:Arial,sans-serif">Diversity Book Club meets the second Tuesday every other month.</p><p style="box-sizing:border-box;margin:0px 0px 10px;font-size:16px;font-family:Arial,sans-serif">Generously sponsored by the Boulder Library Foundation.</p></div><dl class="dl-horizontal s-lc-event-dl" style="box-sizing:border-box;margin:30px 0px 10px;padding:20px;border-radius:4px;border:1px solid rgb(218,249,194);clear:both;font-family:Arial,sans-serif;font-size:14px;background-color:rgb(243,253,234);color:rgb(51,51,51)"><dt style="box-sizing:border-box;line-height:1.428571;font-weight:700;font-family:Arial,sans-serif">Date:</dt><dd style="box-sizing:border-box;line-height:1.428571;margin-left:0px;font-family:Arial,sans-serif">Tuesday, Jan 10 2023</dd><dt style="box-sizing:border-box;line-height:1.428571;font-weight:700;font-family:Arial,sans-serif">Time:</dt><dd style="box-sizing:border-box;line-height:1.428571;margin-left:0px;font-family:Arial,sans-serif">2:00pm - 3:00pm</dd><dt style="box-sizing:border-box;line-height:1.428571;font-weight:700;font-family:Arial,sans-serif">Location:</dt><dd style="box-sizing:border-box;line-height:1.428571;margin-left:0px;font-family:Arial,sans-serif">George Reynolds Meeting Room, George Reynolds Branch</dd><br style="box-sizing:border-box"><dt style="box-sizing:border-box;line-height:1.428571;font-weight:700;font-family:Arial,sans-serif">Audience:</dt><dd style="box-sizing:border-box;line-height:1.428571;margin-left:0px;font-family:Arial,sans-serif"><span class="s-lc-event-category-color" style="box-sizing:border-box;display:inline;padding-right:8px;border-radius:0.25em;font-family:Arial,sans-serif;background-color:rgb(154,182,237)"> </span> <span class="s-lc-event-category-link" style="box-sizing:border-box;margin-right:6px;font-family:Arial,sans-serif"><a href="https://calendar.boulderlibrary.org/calendar/events?&t=g&cal%5B%5D=12892&audience%5B%5D=116" style="box-sizing:border-box;word-break:break-word;font-family:Arial,sans-serif;color:rgb(51,51,51)">Adult</a> </span> </dd><dt style="box-sizing:border-box;line-height:1.428571;font-weight:700;font-family:Arial,sans-serif">Categories:</dt><dd style="box-sizing:border-box;line-height:1.428571;margin-left:0px;font-family:Arial,sans-serif"><span class="s-lc-event-category-color" style="box-sizing:border-box;display:inline;padding-right:8px;border-radius:0.25em;font-family:Arial,sans-serif;background-color:rgb(224,190,162)"> </span> <span class="s-lc-event-category-link" style="box-sizing:border-box;margin-right:6px;font-family:Arial,sans-serif"><a href="https://calendar.boulderlibrary.org/calendar/events?&t=g&d=0000-00-00&cal%5B%5D=12892&ct%5B%5D=24616" style="box-sizing:border-box;word-break:break-word;font-family:Arial,sans-serif;color:rgb(51,51,51)">Discussion Groups</a> </span> </dd></dl><br><a href="https://calendar.boulderlibrary.org/event/9255426">https://calendar.boulderlibrary.org/event/9255426</a><br></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-8204203524186535772022-12-21T07:53:00.001-08:002022-12-21T07:53:40.844-08:00Cold weather water freeze protection<div dir="auto">Think you already know all this, but I liked this summary.</div><div><div class="gmail_quote"><br><div style="background-color:rgba(0,0,0,0)!important;border-color:rgb(255,255,255)!important;color:rgb(255,255,255)!important"><ul style="font-family:"Source Sans Pro",arial,helvetica,verdana,sans-serif;border:0px;box-sizing:border-box;font-stretch:inherit;line-height:inherit;font-size:18px;margin:0px 0px 1rem 1.25rem;padding:0px;vertical-align:baseline;list-style-position:outside;word-break:break-word;color:rgb(0,0,0)"><li style="border:0px;box-sizing:border-box;font-family:"Source Sans Pro",arial,helvetica,verdana,sans-serif;font-style:inherit;font-variant-caps:inherit;font-stretch:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline">Keep cabinet doors open leading to exposed pipes (such as access doors for sinks), so that household air can warm them.</li><li style="border:0px;box-sizing:border-box;font-family:"Source Sans Pro",arial,helvetica,verdana,sans-serif;font-style:inherit;font-variant-caps:inherit;font-stretch:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline">If you have an attached garage, keep the doors shut. Occasionally, plumbing is routed through this unheated space, leaving it vulnerable to winter's worst.</li><li style="border:0px;box-sizing:border-box;font-family:"Source Sans Pro",arial,helvetica,verdana,sans-serif;font-style:inherit;font-variant-caps:inherit;font-stretch:inherit;line-height:inherit;margin:0px;padding:0px;vertical-align:baseline">Keep your thermostat set above 65 degrees when leaving your house or business for several days.</li></ul><div dir="auto"><font size="4" style="font-family:"Source Sans Pro",arial,helvetica,verdana,sans-serif;color:rgb(0,0,0)"><span style="font-family:"Source Sans Pro",arial,helvetica,verdana,sans-serif">Those 3 steps are all of the steps I think we need to follow. We never do the dripping faucet thing here, and it's always been fine. Here's the full article if you're still curious:</span></font></div><br><a href="https://kdvr.com/weather/wx-news/should-you-leave-water-dripping-during-deep-freeze/" target="_blank">https://kdvr.com/weather/wx-news/should-you-leave-water-dripping-during-deep-freeze/</a><br></div></div></div>-- <br><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div style="font-size:13px"><div style="font-size:13px">Cheers,</div><div style="font-size:13px">Connie O'Dell</div><div style="font-size:13px"><a href="mailto:odellconnie@gmail.com" style="color:rgb(17,85,204)" target="_blank">odellconnie@gmail.com</a></div><div style="font-size:13px"><a value="+17202604442" style="color:rgb(17,85,204)">720-260-4442</a></div></div><br></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-15373587171612632452022-11-18T09:00:00.001-08:002022-11-18T09:00:51.766-08:00Documentation to qualify for a special enrollment period for health insurance: How to Write a Termination of Benefits Letter, thanks to BusinessWire<div dir="ltr"><div>"<em style="color:rgb(45,45,45);font-family:inherit;font-size:inherit;font-variant:inherit;font-weight:inherit;box-sizing:border-box;margin:0px;padding:0px;border:0px;font-stretch:inherit;line-height:inherit;vertical-align:baseline">Dear <span style="box-sizing:border-box;font-weight:700">[employee]</span>,</em></div><p style="box-sizing:border-box;max-width:1200px;margin:2.25rem auto;color:rgb(45,45,45);font-family:Silka,"sans-serif";font-size:16px"><em style="box-sizing:border-box;margin:0px;padding:0px;border:0px;font-variant:inherit;font-weight:inherit;font-stretch:inherit;font-size:inherit;line-height:inherit;font-family:inherit;vertical-align:baseline">We regret to inform you that on <span style="box-sizing:border-box;font-weight:700">[date]</span>, you will no longer be eligible for <span style="box-sizing:border-box;font-weight:700">[coverage or benefit]</span>. The reason for this termination of benefits is <span style="box-sizing:border-box;font-weight:700">[dismissal/departure/change in service provider].</span></em></p><p style="box-sizing:border-box;max-width:1200px;margin:2.25rem auto;color:rgb(45,45,45);font-family:Silka,"sans-serif";font-size:16px"><em style="box-sizing:border-box;margin:0px;padding:0px;border:0px;font-variant:inherit;font-weight:inherit;font-stretch:inherit;font-size:inherit;line-height:inherit;font-family:inherit;vertical-align:baseline">You can expect additional information to be sent by <span style="box-sizing:border-box;font-weight:700">[communication method] </span>by <span style="box-sizing:border-box;font-weight:700">[date]</span>.</em></p><p style="box-sizing:border-box;max-width:1200px;margin:2.25rem auto;color:rgb(45,45,45);font-family:Silka,"sans-serif";font-size:16px"><em style="box-sizing:border-box;margin:0px;padding:0px;border:0px;font-variant:inherit;font-weight:inherit;font-stretch:inherit;font-size:inherit;line-height:inherit;font-family:inherit;vertical-align:baseline">We have provided the following resources for you to investigate replacement coverage, but we do not guarantee eligibility. <span style="box-sizing:border-box;font-weight:700">[List resources.]</span></em></p><p style="box-sizing:border-box;max-width:1200px;margin:2.25rem auto;color:rgb(45,45,45);font-family:Silka,"sans-serif";font-size:16px"><em style="box-sizing:border-box;margin:0px;padding:0px;border:0px;font-variant:inherit;font-weight:inherit;font-stretch:inherit;font-size:inherit;line-height:inherit;font-family:inherit;vertical-align:baseline">Failure to complete the following steps could result in total loss of coverage under the benefits in question.<span style="box-sizing:border-box;font-weight:700"> [List necessary employee actions.]</span></em></p><p style="box-sizing:border-box;max-width:1200px;margin:2.25rem auto;color:rgb(45,45,45);font-family:Silka,"sans-serif";font-size:16px"><em style="box-sizing:border-box;margin:0px;padding:0px;border:0px;font-variant:inherit;font-weight:inherit;font-stretch:inherit;font-size:inherit;line-height:inherit;font-family:inherit;vertical-align:baseline">For more information, please contact <span style="box-sizing:border-box;font-weight:700">[point of contact's phone number, email and mailing address]</span>.</em></p><p style="box-sizing:border-box;max-width:1200px;margin:2.25rem auto;color:rgb(45,45,45);font-family:Silka,"sans-serif";font-size:16px"><em style="box-sizing:border-box;margin:0px;padding:0px;border:0px;font-variant:inherit;font-weight:inherit;font-stretch:inherit;font-size:inherit;line-height:inherit;font-family:inherit;vertical-align:baseline">Sincerely, <span style="box-sizing:border-box;font-weight:700">[employer]</span></em></p><p style="box-sizing:border-box;max-width:1200px;margin:2.25rem auto;color:rgb(45,45,45);font-family:Silka,"sans-serif";font-size:16px"><em style="box-sizing:border-box;margin:0px;padding:0px;border:0px;font-variant:inherit;font-weight:inherit;font-stretch:inherit;font-size:inherit;line-height:inherit;font-family:inherit;vertical-align:baseline"><span style="box-sizing:border-box;font-weight:700">"</span></em></p><div>Much more at:</div><a href="https://www.businessnewsdaily.com/15920-termination-of-benefits-letter.html">https://www.businessnewsdaily.com/15920-termination-of-benefits-letter.html</a></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-30256306111920980302022-11-18T08:50:00.001-08:002022-11-18T08:50:46.797-08:00What is "Proof of Loss of Coverage? (to qualify for Special Enrollment period for health insurance)", thanks to Take Command Help Center<div dir="ltr"><div>"</div><ul style="box-sizing:inherit;padding-left:16px;color:rgb(86,88,103);font-family:proxima-nova,"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:17px;white-space:break-spaces"><li style="box-sizing:inherit;margin-left:15px;line-height:1.53;list-style-type:disc"><p class="gmail-no-margin" style="box-sizing:inherit;margin-top:0px;margin-bottom:0px;min-height:1.53em"><b style="box-sizing:inherit">A letter from an employer</b>, on official letterhead or stationery, that confirms one of these about you or your spouse or dependent family member:That your employer dropped or will drop your coverage or benefits.That your employer stopped or will stop contributing to your cost of coverage.That your employer changed or will change coverage or benefits, and your coverage will no longer be considered qualifying health coverage.</p></li><li style="box-sizing:inherit;margin-left:15px;line-height:1.53;list-style-type:disc"><p class="gmail-no-margin" style="box-sizing:inherit;margin-top:0px;margin-bottom:0px;min-height:1.53em"><b style="box-sizing:inherit">A letter about COBRA coverage</b>, like a letter from an employer or health insurance company that confirms these:Your employer's offer of COBRA coverage along with the date this coverage would start.Your COBRA coverage ended or will end, or your employer stopped or will stop contributing to the cost of coverage and when."</p></li></ul><div><font color="#565867" face="proxima-nova, Helvetica Neue, Helvetica, Arial, sans-serif"><span style="font-size:17px;white-space:break-spaces">I'm guessing "letter from employer" includes a letter to the above effect, signed by your supervisor, as long as it's on letterhead. We can't be the first people to want this. Also, maybe the second letter (COBRA) would be issued automatically, although maybe not in time (the proof of eligibility for special enrollment must be supplied within 30 days of a demand letter that may arrive after I apply for insurance, or can instead submit a letter explaining why I can't get such proof in time). </span></font></div><div><font color="#565867" face="proxima-nova, Helvetica Neue, Helvetica, Arial, sans-serif"><span style="font-size:17px;white-space:break-spaces"><br></span></font></div><div>More options listed at::</div><a href="https://intercom.help/take-command-health/en/articles/1646812-what-is-proof-of-loss-of-coverage">https://intercom.help/take-command-health/en/articles/1646812-what-is-proof-of-loss-of-coverage</a></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-75408381849849725812022-09-19T09:27:00.000-07:002022-09-19T09:28:12.185-07:00Boulder event ideas!<div dir="ltr"><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><a href="https://www.dailycamera.com/things-to-do/">https://www.dailycamera.com/things-to-do/</a><br></div><div dir="ltr"><br></div><div dir="ltr"><a href="https://myemail.constantcontact.com/This-Week-at-the-Museum-of-Boulder.html?soid=1101350177275&aid=RQ1TldF3qyw">https://myemail.constantcontact.com/This-Week-at-the-Museum-of-Boulder.html?soid=1101350177275&aid=RQ1TldF3qyw</a><br></div><div dir="ltr"><br></div><div dir="ltr"><a href="https://thedairy.org/event/creative-nations-indigenous-arts-market-and-festival/?dm_i=6QGA,57I0,1KD94S,PKOI,1">https://thedairy.org/event/creative-nations-indigenous-arts-market-and-festival/?dm_i=6QGA,57I0,1KD94S,PKOI,1</a><br></div><div dir="ltr"><br></div><div dir="ltr"><a href="https://www.colorado.edu/retiredfaculty">https://www.colorado.edu/retiredfaculty</a><br></div><div dir="ltr"><br></div><div dir="ltr"><br></div></div></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-91863749029422431162022-09-15T14:26:00.001-07:002022-09-15T14:26:27.777-07:00distrust of other’s silent consensus about reality<div><div id="05UjY4u8KvbCqtsPyYyU6Ac__39" style="color:rgb(77,81,86);font-family:-apple-system,sans-serif;font-size:14px" dir="auto"><div class="XbtRGb qxsd wDYxhc viOShc LKPcQc" style="clear:none;border-top-style:none;margin-top:4px;padding-top:0px"><div class="LGOjhe" aria-level="3" role="heading" style="padding:10px 0px" dir="auto"><span class="ILfuVd" lang="en"><span class="hgKElc" style="padding:0px 8px 0px 0px">I had always missed this last aspect mentioned below, that makes "misanthrope" such an apropos description of certain difficult people. I learn new things every day… ;-)</span></span></div><div class="LGOjhe" aria-level="3" role="heading" style="padding:10px 0px" dir="auto"><span class="ILfuVd" lang="en"><span class="hgKElc" style="padding:0px 8px 0px 0px">"Misanthropy is a personality trait characterized by a general dislike, distrust, or hatred of the human species or a disposition to dislike and/or distrust other people's silent consensus about reality."</span></span></div></div></div><div id="05UjY4u8KvbCqtsPyYyU6Ac__40" style="color:rgb(77,81,86);font-family:-apple-system,sans-serif;font-size:14px" dir="auto"><div class="mnr-c" style="background-color:rgb(255,255,255);margin:0px;border-radius:0px"><div class="g card-section" style="margin:0px;padding:8px 0px 0px"><div lang="en"><div class="tF2Cxc" style="position: relative;"><div class="V1nn0e R5lVqb" style="border-bottom-style:none;line-height:20px;margin:0px;padding:0px"><div class="uo4vr" style="color:rgb(60,64,67);margin-top:0px;overflow:hidden;white-space:nowrap"><span class="MTB56 Vwoesf" aria-hidden="true" style="margin-right:8px;vertical-align:middle;display:inline-block"><img class="XNo5Ab" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABAAAAAQCAYAAAAf8/9hAAABBElEQVR4AZ3RgUYEURTG8TsZu4IIW0ToAWoFaGNBBYER0QTS8/QK0QsUogIQVAqg9ASx0Qu0Y7/+PmR3nDXM5WfunHPOh5lUP7+pXMUNdlKbw+IKPvGGftuADwiv6LcOiEPipRwl1tGrBTSH0OzgAbfYxjvUGBIECI/4gppD4gCcWvzukM35AQyONw5VnW1p3CuMu2tTIZdYiAMWjzW5WJNekp9Td/eYgWc7ccDSkSZXy9Jzkp7Md2ruzQvIce0mqr1d6a77H8DdNffNs3n9OxT49kBGyMFAuu9atT9wjR48U0R/IkM5EzIcWm25RJZ84pATjILfN3IvWI5CzvEDme/UguU/4C9WS3/xwdYAAAAASUVORK5CYII=" alt="" style="display: block; height: 16px; width: 16px;"></span><div class="RUXr2d TbwUpd" style="display:inline"><cite class="iUh30 qLRx3b" role="text" style="color:rgb(32,33,36);font-style:normal;font-size:12px;max-width:95%"><a href="https://psychology.fandom.com">https://psychology.fandom.com</a><span class="qzEoUe" role="text"> › wiki</span></cite></div></div><div class="Xv4xee" style="position: relative;"><h3 class="yuRUbf JtG40d MBeuO q8U8x" style="font-weight:400;margin:0px;padding:0px;font-size:16px;font-family:"Google Sans",Roboto,"Helvetica Neue",Arial,sans-serif;line-height:26px"><a class="sXtWJb" href="https://psychology.fandom.com/wiki/Misanthropy" style="color:rgb(104,29,168);text-decoration:none;padding:30px 16px 0px;display:block;word-wrap:break-word;outline:0px">Misanthropy | Psychology Wiki - Fandom</a></h3></div></div></div></div></div></div></div><br><a href="https://psychology.fandom.com/wiki/Misanthropy">https://psychology.fandom.com/wiki/Misanthropy</a><br></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-52858980245316935752022-06-29T11:12:00.000-07:002022-06-29T11:13:06.359-07:00FINDING VALUE IN CHASE POINTS, thanks to The Points Guy! : ✈ Transferring Chase Points to Hyatt, Using a Password Manager & More Daily News From TPG ✈<div dir="ltr"><br clear="all"><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div style="font-size:13px"><div style="font-size:13px">Cheers,</div><div style="font-size:13px">Connie O'Dell</div><div style="font-size:13px"><a href="mailto:odellconnie@gmail.com" style="color:rgb(17,85,204)" target="_blank">odellconnie@gmail.com</a></div><div style="font-size:13px"><a value="+17202604442" style="color:rgb(17,85,204)">720-260-4442</a></div></div><br></div></div></div><div class="gmail_quote"><div dir="ltr" class="gmail_attr"><br></div><br><br><u></u> <div bgcolor="#ffffff" 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src="https://thepointsguy.com/wp-content/uploads/2020/03/newsletter_v2_hdr_logo.png"> </a></td> </tr> <tr> <td class="m_-122225472168911215em_h15" height="27" style="border-collapse:collapse;height:27px;font-size:0px;line-height:0px"></td> </tr> <tr> <td align="center" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font11" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:24px;line-height:32px;color:#ffffff;font-weight:500;text-transform:uppercase;letter-spacing:1.5px" valign="top">WHAT YOU NEED TO KNOW TODAY</td> </tr> <tr> <td height="7" style="border-collapse:collapse;height:7px;font-size:0px;line-height:0px"></td> </tr> <tr> <td align="center" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font11" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:20px;color:#ffffff" valign="top">Jun 29, 2022</td> </tr> <tr> <td class="m_-122225472168911215em_h10" height="7" style="border-collapse:collapse;height:7px;font-size:0px;line-height:0px"></td> </tr> </tbody> </table> </td> <td align="center" class="m_-122225472168911215em_side15" style="border-collapse:collapse;width:100px" valign="top" width="100"></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="m_-122225472168911215em_w106" style="border-collapse:collapse;width:200px" valign="top" width="200"></td> </tr> </tbody> </table> <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_full_wrap" style="border-collapse:collapse;table-layout:fixed" width="100%"> <tbody> <tr> <td align="center" valign="top" style="border-collapse:collapse"><img alt="" border="0" class="m_-122225472168911215em_full_img" height="300" style="display:block;max-width:750px;font-family:'Roboto Slab','Times New Roman',Times,serif;font-size:16px;line-height:20px;color:#000000;border:0!important;outline:none!important" width="700" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2022/06/pitt-katie-newsletter.jpg"></td> </tr> <tr> <td align="center" class="m_-122225472168911215em_pad" style="border-collapse:collapse;padding:40px 30px 23px" valign="top"> <p style="margin:0px!important;padding:0px!important"></p> <table align="center" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_main_table" style="border-collapse:collapse;width:700px;table-layout:fixed" width="700"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_defaultlink" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:28px;line-height:30px;color:#000000;font-weight:500;letter-spacing:4px;text-transform:uppercase;padding-bottom:24px" valign="top">FINDING VALUE IN CHASE POINTS</td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font16" style="border-collapse:collapse;font-family:Roboto,Arial,sans-serif;font-size:16px;line-height:24px" valign="top"><font color="#2c2b2b">On a recent road trip with her young family, my sister-in-law <span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitPJ_Itt5meVCzZEKUvnHgvumK176I1UlwP-kYlWS5_UUOvzQlJlj1tVFny6WdFgdiAbuAUNbEkdaJlhkuoBzn0Ad8XwMbPJclAbRXIKVE_AS3iTw-kGl9BSy8j9lRT25w10cykqGrtUATYVZJFtcP8_XeCbmeI2Ed42u4Dv_OmBu76cjN_z7eVek5LPGKdMSyscER3iuoZSqP44TF7IyxvQyVgtX-IeL7vc-zHrIrWOSKuJOdgdR72QsCZ2K51gPj0eaU6GAeuSFDUA_vGrQ4V3seRaLBi5zXdLZwRDqoQWrTR34jsWnWwCCTkl3mFr0JzwiNCkGcnEZVaUkPuD1SPcZsggyNQheVFTc3LKFOtRf35DSp9XI6XDWstVnLxUvw-9VXYCjnSy6fzO6zOMeLmDd8qXGD4PAwRDTFtA2iVqONWaohUd0PNKJPVT2pTYByX3j5I0cJ_-6prEsWevIs0zeILd6JnwEckTbvqeGZ9tK1Qa01sRyKfebybdQ7j6U9PGI-polKEghrY5z7BSEg9rqYdlPqYNCzABleNgFaqcYA%3D%3D" style="text-decoration:none;color:#146aff" target="_blank"><strong>redeemed IHG points</strong></a></span> for accommodations in Pittsburgh and an overnight stay on the way to the city (pictured above). However, she was struggling to find a good-value IHG redemption for her overnight on the way home. <br><br> She signed up for the <span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitPYC3PgUAjbIjNudQ2eIHR60i9uEAn2YWXVcW9o72qbJqO-tOw_3fTgwIYtxa9DEdflzFWEPRZamRkIiHxXPJ17wRZ6NIjwB2skKxs7iMXEwZ0fcPjfc_Ela5ccsFH2iWO1vhwaDnJBnIMm8X7U1q_AkvdmUAxJAoHoRFcj3goWWICH5HGAaIFPBpRM3ZfVaC55BxDItLW_g33WllEOls2_O68JtbSS0uIczTNc_By_crDgjW_C69rs2GtIZdGxbiayPAa5FMBk-w34pG0_z7h0acKJgXuTCGUEGkcpBBlsk37ZD48lSlG2UWFfMYVlDA7R_KdpX8Gbkqtg9cROhNpaowbviORCV1IHxXUevL2mcu52EclV6VhfKxEYzgAFA4191Ucc3JMp7wQY8otFNLz6qZcfdzV02IpZsjGzdlLYTmKwOIWAGl5X-iPNdQw32agzQduDzqjUBgFkAIQle_lZhTXKNam--P3A_VegaQ2rbIMvBpOR35ek2R2fA8Z4fWb2V_khBnEgXPrqpYnNnAHdbdfOHIzbE4Tg6asVDENoXA%3D%3D" style="text-decoration:none;color:#146aff" target="_blank"><strong>Chase Sapphire Preferred Card</strong></a></span> a few years ago, mainly so she'd receive the card's <span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMI_ABC_RJO4fOn1y6a_yJ-SVTU3lkFYcIDvHPN3CXK5JHK0Kl3y1fFZviQRRcrsHaVxcLg9hGVGsi5DCVUzkL1pb-j0vGUsfHSJTnTnAjMM-ee4MGYkEpupshPGhrP5Tp5AwVFhDo4n4e5EdwUr00xHqVO66Mjqv9NfHu3oyAb90v3GvkRqJR-GyaIJm9aIQn-Xb4Oik9WeKrCYHVkpa_W1mYDANvj290rLQqhq3Bu1Sihd0u0YoHct2v-f7wR_6EPxyeJFd8X6y69wKZuQ3BqC2sZxelSgUUwVVwW3qZlhnIykZsAqHgBirUg0Hb2eNA7lxce7AZpbYlu-STNyaAJz2TKJStZyW_jZVCwhgPE56R3Gn0JV4a9xo--nYnPInSPjJz7_Lch09SWTIYw7HP1j-xmppBm8VRp-Ud6kMR72PSFnj1hJCnR5iC276eT2vQWXgXlQcx9iRUFMJSsO_PTJw7RrvDZW-BqQp02Cx72wbkAAGXs5MrpyaPQjmIxg6BWlrOLTFMt-vpEwF0n3ucBsTiayeijAQVPXW6WWjwVTw%3D%3D" style="text-decoration:none;color:#146aff" target="_blank"><strong>primary car rental insurance</strong></a></span> benefit. So, my husband and I suggested she look for a <span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMjYhuk2SejSpeCpIdbyKfCjs8taXeh0wc6SV_8h7oFyyV5mvQTPEwy1xy6fKGgHX7Z3QShuWTEpnpGEe00FcHgbmmKX7msPzvlaaO1KLQy5g23ZxlbU-_8qxXDm6yKHI5K0I6npG8VXFutrIIiGUf0JNadS3w2qls52ahWo-Nx1xFS65ABtp_GxMTkB801-OBesYmXUcMiAC81GArmzPe15K28z3Kg-LlD_qE2FDCR411GOKS0E0jEhmMPZkelkY8QteOzc_jkAADzsIRGWkV7nm1oQIsr86Pcx4qvqSGyX6CjXWNZH5bH72toeBlxgeeFNIKnAgl_N3iRVNrAF3uLYgjuN4QjLNjnIqoM5e9ihQFMwwYiAUCqBslsH9B83Tur0Sezph6IsWtwHIRlgdCvwHwiG-pP50uomp3TyKuxQhsWMvbwdX3ul5i-dKOjFY7J5Z9dZVed8Peg08zFnjR9l9aa8p_IPbcZbpxieYOjjWof-p-MHZefxw-MVj7ePzQgDSwpXo37MNQpNth7oVkQiC7F20ghNjpbUbp0tRWglA%3D%3D" style="text-decoration:none;color:#146aff" target="_blank"><strong>Category 1 Hyatt property</strong></a></span> along her route. After all, she could <span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMNlUsKep32XWy-4BaS7g_yLfzJUJB8InzjeCMSa5xUUKyQhup3wC06Gg8jqUymXvnPtUIbtvQv0ZiIe0nCxiuVh6uiSHmfdT1A25WciAKDn7lgvxBeqy7EELf0Stzi3J4asiU48O1Rn-kVOzdOaqvHo8VlcXeTtC6oAJIbh1j8hWRyDSkO-aLN7BYJ2ozh1A-Tuu8gGrzDjEEuBPEeb5hC9KRPMD9JmDkWfDN_ySb-lVLwpNmKnWdrMajU1JtHzHFVv69UfJ5sMdBhHD53B3cxLHIbJGZvkg4O6YG8c2_f8MKPhYtL-OtzmQ_brufHnN-bH_GLgDhR_xH-6eKNdgz1JbPjSVGFueo1JEsijI3UBlgghyBKCUWSDgLDUJQ4zVzJYXSHmmkwvu_zkOF33rgqJ39-xOFI6mZevxJitR2YMrPuBqBECU2MLLK4Q9fAocv4-alJGsdYpBQlJYNNY9iVLASocaRMyGOqVqji1zCGbZqhxfmY2GWi5ff_icbdQt2QzMuSjqa_FNFdaunj42W3ATSEky1LxZgli7v_jprTXyqe8FRRRwqHRijWtn5RheU%3D" style="text-decoration:none;color:#146aff" target="_blank"><strong>transfer Chase points to Hyatt</strong></a></span>. <br><br> We found a Category 1 Hyatt Place that would work for her both because of its location and its family-friendly features, including ample space for everyone to stretch out and <span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitO97h6EkV80Hp9v0v_mDhWF8OyghCD5SCYvsRiPZwpf_05VI1cdG6G5EvxreBH5wSa4nGAnzynmOhqsjEl_Kl1zPfTxsvcpnbRe1MsS93q4wT29G_qBi3DhT6Tu6u0PjxQRzRE7kSHEZNtgpPBtRlz91E7d9AVbDFVdNvGD9DFM8F4r8v9KsVcA2PydcmtHqB2IETxZ_s7SkssxX3_RYIqaABMURGmdCHG8Hcdwmt3S7B6cyfy_zUkkA2KaaxJyajWGwQ3UexhZjy6zmcDyvda8VTTKmO_q1FBxBqJP7JCCNXrMgnWf7xlzJwacJiZw69jvFld_rCQxlcn0KJnYXyODrpFxLHvA8aQMuCw6RoSVOwX3wKmS0rwMNvO7-pmS5_3_zzhZsEiIedsK-3yscpOCF63x9wP9kUVpc7y8KcinnQsaYKME5T6s9iv2vXVpVLd664SAl-GWSOIBEs7zIkeasFAJh0pVMogcPwuqyWKEnzVdskEPxFt2VpRm9FHYgBiBuI_s6v6jRmb7o094-yEt" style="text-decoration:none;color:#146aff" target="_blank"><strong>complimentary breakfast</strong></a></span>. So, she transferred Chase points to Hyatt and then redeemed 5,000 World of Hyatt points for a room that otherwise would have cost $186. <br><br> While she often redeems her Chase points for a value of about 1.25 cents each when booking travel through the <span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitME3OMtYwgqobgR6qHZfywT5-lDM5wnLVdtMZxY2ocCcrS-yjYH6Xz57NUdtHO0ZZq-f8RISsgLsozoMAZn2nnS9cfpxZ3ZO4Q-ZOrS6eiHq28IF-QGevSeBPcyi9PJX_ChR9_sj5jKSihLQELvTRMbQ2ofPT8NsjyhhSsQW_iI-lmrnlad5iVIxAZ2Q8nD0d_f9qvGsRrNyna8Rcc0sRXiePt8O__9ROjo4GYfhicMyqmblYOoiDn0lDsts9axnmledB3TNSIc6dy91zRqqhDtmDE3hofSs3Jx8js_MAnxMH-nO-y6ah5dgsS0mphiGPfatVKPhBMICNav0xq0Hw3OrxKatNbn1O7Jbf8_DAALAhmTir74S84Eq0MoB6z0P6VIf47uh8pOFfq_2Au57kgklbkz6Q3OVk9cnOsOXiPflJjK-yhJC_ywLYs80bvt6_hpvF33hX6lvWb2CEDucPiURTqBBNp6BHAt4jS0D9nP2op6s1N32-UGAR__HIEcv4nZpZwj_UEja9F9xBG1hlwH" style="text-decoration:none;color:#146aff" target="_blank"><strong>Ultimate Rewards portal</strong></a></span>, she was able to get 3.72 cents per point by transferring to Hyatt for this stay. With paid rates so high these days, taking advantage of the <span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMGWoAIh_EeQkeaG2FfpwoRjm0K9MM06CFY6KdEyLQ-9ToO2RCZV56eG69q-NAMslH8Ou1rZ41SY8K1XkR35lAXm7zHvYaUd3v1cTJdOuTXPEKfoLaAXLQ2OMygiSEjm8rSNlZC37arZAaeQqOcMY-LxFLcJAwCxqJr4ONdTXp1YUdZuAif0TD-pC523e6gJ75S-hHHqqSNjgbr2weSoDyGmf_DjwKGyyqZ1Gf8lEF2PFhCxioDMhqKLueQonvO6WLFXWbivhWiwel9pM_vg5OaW57Y17FsOYkiVAxpoF-7BN8f3rmQWee6AZgnTFFv1qR8Akj5L4aZVZiHgs2Sir8Kg3HUqT1L5DZ6J9KQpXpmKoiHbkFu9Ys_FVFP97dfFJzWsLCVHNjszTEesnjQD9zm4MngZwRLtGijJPtDZxZ6AaLzLnXmxzioCvXQOG9bgmDR1cVJLrtrvx47BtcUUBuIhGZw7iP64kYM4TFxyeJVX4BzqhYVrAVqMROc715H53Ghp_367oVXBLoCaKYUATOG" style="text-decoration:none;color:#146aff" target="_blank"><strong>World of Hyatt award chart</strong></a></span> can provide excellent value. <br><br> Here are some other ways to get a ton of value from your Chase points: <ul> <li><span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitPaB_Dg01SIQ9g4vZIM_8PUnyD4CVvWjBAILpZxmkRAMTZNQdhqyKeVwNHfa_aHMFwGQV4rh1QpFujtzKQhHDYFk5YN5zqgbgFSXaj-No7tJQJApQv8aqP2YXTld2tVmHuoHCRDhKpxTfFqO4icafgoK0YToskNGJVTkLmWzOOBS7jh4O8cZH6zQ7ndPdt9J6ZhqDNtboDdoaW7LeKfTdhaOtSiRUBE833s5TH9kcWmy7M5GZf-FiteHI269v5hbF5cPqRl0ms20KqS3-TU0j7Zc2wpceUzfvSHnUo0JWurBYOrnn4PanQZuXk1Ona7l0JuRNSQknIOuaJnIeTGsS3FSWGnUOhm9Qlso9tk0fiLuLHzYeIrZh87j4wDGLHH_ZJhCov9KLgXalN6jhALMaE9cT1lLcLwWvP9mxTVUFYmxF4ERw3qV0QFdIb62rMBpELYRXV3pjE4sMhQGH9zsbZ4pT_azxIG38GzWFq3iaNusAQmjsVm9X3_-VSrZoeP-H3uTbLgaI6kd6h7Zxn_ctzChikyVnQhnuLjXDc2h61s0mn_JeXKTXBAUJvKY13dxH8%3D" style="text-decoration:none;color:#146aff" target="_blank"><strong>Why the Chase Sapphire Preferred is more than just a starter card</strong></a></span></li> <li><span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMn4RwGJ27fhyOyIRzfWHe8VALI6YurC77NOXEktnS7aOxu0_1EvhntncyYgJWH-KP-Yj3WXZ95EXd0xlY9bx47qJSlnYvuk9d2wkmgeGZxGT2t58h5RqPWRiBGIMVf-dII-lzztWwZtCT9vz_mkMBeMoP8BNyv89HXBUM8gtXDL1Au72FnuynVaJ6xykkvgiFIAFRWFO8zgYZn1vnTim4VA5iFsq_hobj9zJFEb1l0yoVo9g7aiZz2hLO4mecaVh67uglyjcK3e_P1HkOJbMf0uFBE7c_LBpSzkbBEs4cqjgHaoppL7_VIYzkKPPHy7lC7Ilt4rxPGs7FMQWKMhGcnyxG8u-NdehyU1ncEGGEd5VOnnScTAz-g5_xShPO9zjh642xYznYoIGH6krVi3Lhw1bHxxsnkDAV0nD0-W4eUNvk6mpXgoLKyIHFtg2DR2pNWdxabI-1-rRcR9iAmpLPlIYLJczNvI3XCVbAHuzaiZcbGUT8hZOXJGSRpl9wtt9XhQwfvu5btzUcX8UIj9wV8IwqMuYjJl3IhywrZ0WYmZQipT3OJE7T3avz0yubJtbM%3D" style="text-decoration:none;color:#146aff" target="_blank"><strong>How to spend 1 million Chase Ultimate Rewards points</strong></a></span></li> <li><span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitPluK0AL3__ocqOS6NsNXOCHiWaTbHejGZY2O3V_DUlkoBnY0mgbHXLu8TCv5rxgOCZvq4Q4tifSBXe64JDiBiR4JcY90BwmMGIybazBdkOGVY1Y3qcgCcnCf7yIUtD8LEF1JsbthnxnO7yh8y5ud00swRx5GTpn8OZCRUaLsR9muTcPZ0p5CXSfTbgvZpHDyTZqjYxmoEbxWmWv7gKtCQNSy_mLpPfMF4wpEjjYhiuh-jt63bOYQb5ouGm8HjmMbY9nLNQt5TEd1A5KKF2ChJKO2Krodr0--zQfXG4TG44GzHtMkqxgUdFjy9lMfJj3uKp1UeWZxIgUNkl8D_OYrxWiWUPJXCDv_8Kltd0McrImBW6QBl2wRb74I-AX2DKmKHyVHTf9NsKGTe9HvFTzztLws-Ww_7EI5DG-DPYSj2mi8hWP2ZA-N7MPc-zH7Zg5ZyZ3wC0iesLj-m9idupdbXJXWsECqqW9txvqGXIc2DJ3VGuvMKthQ6-3-cl4Iqfl7pWEPClv6_In0hJsHAWzfD9MuYj-3KKhbmABYZQTXpDsxm3Qfn-Xc8zQX2jJW4d1A8%3D" style="text-decoration:none;color:#146aff" target="_blank"><strong>I tend to avoid these 2 Chase Ultimate Rewards transfer partners — here's why</strong></a></span></li> <li><span style="color:#146aff;font-weight:bold"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMq0IxDf8wZ6kJzaBZmQtHUzJgV0A9nIbgVhbZkdf9fBXWK2UcLWhbabZATd1ncKk-Ol91XT4ZncVNzIvOrGu8czIwJbkBXNHyzFfuIumOkNBtgam0kON9tiW8UprX5uAIy6orH1-0PCQw1ZGzBxK3BMIy8Vfjn9WmkiEqvCtXNvyqTIftMGFIUHOxHiGA1NYivfJocq-1euf_oh6mkVq21xMiI_jTioAnuiTRi9WE_j_bEF4Uac6kCCqJpnirSND3WEY0mHMRFF-oawJuunfoIRb4iXM10Zx5OWkLX9yqXmCQdz7v_RubAdle7zwBQrx3qE_FGdreZ8889tZzK53-u2jU2bFvQojG-rOa6rep2RS2yhtbQU5Ot-NiTJfyiCS_mEbAmaGY55TEy_FJmwyllOAq_8OA3N2kAdThM6a0qb-2JMUHZylXfHJY6NWgkdDoFmq2U8eEQY_RiKjpB6W9NghvNu5r-bHGh9ADFZEX-24P4ZTjCWtr4QsHuTpJrVdRCR60wDNqiXAsRmxpAOBthnnzWJU5eG7F4NvNpNZJ2EQ%3D%3D" style="text-decoration:none;color:#146aff" target="_blank"><strong>7 ways to get over 5 cents per point in value from your Chase Ultimate Rewards points</strong></a></span></li> </ul></font></td> </tr> <tr> <td align="center" class="m_-122225472168911215em_ptop" style="border-collapse:collapse;padding-top:22px" valign="top"> <table align="left" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;table-layout:fixed"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font12" style="border-collapse:collapse;font-family:'Roboto',Arial,sans-serif;font-size:18px;line-height:22px;color:#000000;font-weight:400;font-style:italic" valign="middle">Katie Genter, Senior Writer</td> </tr> </tbody> </table> </td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10 m_-122225472168911215em_pt15 m_-122225472168911215em_pbottom" style="border-collapse:collapse;padding-top:27px;padding-bottom:30px;font-family:'Roboto Slab','Times New Roman',Times,serif;font-size:14px;line-height:22px;color:#3f5773;font-weight:400" valign="top">Posts in this newsletter contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, <a style="border-collapse:collapse;text-decoration:underline;color:#3f5773" href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitM_5SOkAN6Pu-o9L1MQxuPkM8Mh3Os0oyZger7NUmZ1GmgJCNP5o0txj1K1jizYsrVNLsH3cMtlgmpMP3qBP7aa8p-Fna53yP0GJwyh-cuUun3yuSExjloUwTF8XzzyWXq4TAeSWuz608PGOJURJmLj3H3h2l_VtTKV_9m11j12g8h0x27ncVNaEkbE4tDmCP2hZ70bUFkI6gX6j5AYhsEJHI_ZGIrbqGePsaBXuyS2NJx3HOknt0uJMFKzeMPutgGyXzt1_edjtWoca5V4GAwo6TWVa4qeD71X3hRBjveuF3plPiAZfjk7xSjbq-GPC3Tcr8dbPp1IvzD03j_7ZP9vnOfefNMQX2kqAHoQXK61IeW7RYL62QajbSsgAPrAI4xhkpPG_fcxerkxxkrEGpK9o2oz_0FqzvORkZJc0iqP6dVcAgqA7FEOavbH8U7iJGx2Q6bHiwXgnaQjZI5qaa_UaqCo5leuK0UieJV-_wwOQsGTTv5sZwleBxKh2yibvTSw3BTBUXaR3mVBqMXYPYc1" target="_blank">visit this page</a>.</td> </tr> <tr> <td bgcolor="#ecf0f4" height="2" style="border-collapse:collapse;height:2px;font-size:0px;line-height:0px"><img alt="" border="0" height="1" style="display:block;border:0!important;outline:none!important" width="1" src="https://thepointsguy.com/wp-content/uploads/2020/03/newsletter_v2_spacer.gif"></td> </tr> <tr> <td bgcolor="#ecf0f4" height="2" style="border-collapse:collapse;height:2px;font-size:0px;line-height:0px"><img alt="" border="0" height="1" style="display:block;border:0!important;outline:none!important" width="1" src="https://thepointsguy.com/wp-content/uploads/2020/03/newsletter_v2_spacer.gif"></td> </tr> <tr> <td align="center" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font16 m_-122225472168911215em_ls2 m_-122225472168911215em_ptop" style="border-collapse:collapse;padding-top:40px;font-family:'Barlow',Arial,sans-serif;font-size:28px;line-height:32px;color:#000000;font-weight:400;text-transform:uppercase;letter-spacing:3.5px" valign="top">TODAY'S TOP STORIES</td> </tr> <tr> <td align="center" class="m_-122225472168911215em_ptop" style="border-collapse:collapse;padding-top:30px" valign="top"> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse;table-layout:fixed"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_w106" style="border-collapse:collapse;width:200px" valign="top" width="200"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitOyUgWeAUU8BKHzBsu8zWsRUtuQ0lCIWQW17c4VCEuzz8o9MGjWEKD1O5rzmxAPPukpIvusF44BHEfOH-VMsIm6kXRHxTFrDzK9MPlfiFOl9bz6uvwnToSfj9xqkzkU3KurxfA87Kd2RrlM_zfFGP4mUkihbx0UOcsBLbId6wxEEJdYpuZ3jE12er6BRwcZczzKBnnd8n3i4qUTOJeBCQ8vomDDz9gwtDztcgv5TpgGqQF72vkXMFPdOQlqftCc1atbpkZolcazBpfgxP3BjFUrW1B25Eeo6jpKGbaGiwN-0GsaEiBVJlB6CGfR0NE1ls83deGfxZE0zJcIC2ZkoS-tmprxAARmLJbe0jXT0F0MCF0g4j9PfyRlGItVxRgFtJ6AhmfiEqHRDg3F0SYvTmUGQihre-bqnbxnt0UrKD_BwfGPNM3Enq7E3Cb_5LnTSITw0FxUIYCrF7aw5lI-l227FIbBhzbfkdzHdx3U2Bn6kfwpeRHlK089b75Jsh_DC7pDKIpDsoZumvhZOpPT0WBg9j9b6WLVMYF3kiPaB3lsZg%3D%3D" style="border-collapse:collapse" target="_blank"><img alt="" border="0" class="m_-122225472168911215em_w106" height="136" style="display:block;max-width:200px;font-family:'Roboto Slab','Times New Roman',Times,serif;font-size:16px;line-height:20px;color:#000000;border:0!important;outline:none!important" width="200" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2022/06/2022621_KLM-Ghana-to-NYC_CHenderson_73.jpg?width=200&height=136px&ssl=1"></a></td> <td class="m_-122225472168911215em_side10" style="border-collapse:collapse;width:20px;font-size:0px;line-height:0px" width="20"></td> <td align="center" valign="top" style="border-collapse:collapse"> <table align="center" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_wrapper" style="border-collapse:collapse;table-layout:fixed;width:470px" width="470"> <tbody> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font11" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:18px;line-height:24px;color:#000000;font-weight:700" valign="top"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitOyUgWeAUU8BKHzBsu8zWsRUtuQ0lCIWQW17c4VCEuzz8o9MGjWEKD1O5rzmxAPPukpIvusF44BHEfOH-VMsIm6kXRHxTFrDzK9MPlfiFOl9bz6uvwnToSfj9xqkzkU3KurxfA87Kd2RrlM_zfFGP4mUkihbx0UOcsBLbId6wxEEJdYpuZ3jE12er6BRwcZczzKBnnd8n3i4qUTOJeBCQ8vomDDz9gwtDztcgv5TpgGqQF72vkXMFPdOQlqftCc1atbpkZolcazBpfgxP3BjFUrW1B25Eeo6jpKGbaGiwN-0GsaEiBVJlB6CGfR0NE1ls83deGfxZE0zJcIC2ZkoS-t2Ize7IOYzNpoMi3bzlZ-xoRGQAL-ZsGDHUQ4evN7e4-tQGd6rQxC9gFMvZbrkxqsxh9FdrEcXtxBMA6EBtRLze12nBsKFzdMGJYekW6MtJKdOnLN40-NlSwYpDRNcZeSEWM1rGddyElVUSvNkDVBXJVV7FBZdSe8ZuFWI8bX0cviwlmiO5glzHaDnFJwteNg9QKErh0iH7Yjy-NV8BX0wQ%3D%3D" style="border-collapse:collapse;color:inherit;text-decoration:none" target="_blank">Chaos at Amsterdam mars an otherwise fantastic business-class flight on KLM's Dreamliner</a></td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10 m_-122225472168911215em_pt4" style="border-collapse:collapse;padding-top:8px;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:24px;color:#000000;font-weight:400" valign="top">TPG's Clint Henderson loved his flight from Amsterdam to New York, including his Delft house keepsake.</td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10" style="border-collapse:collapse;padding-top:7px;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:24px;color:#000000;font-weight:400" valign="top"><a style="border-collapse:collapse;text-decoration:underline;color:#000000" href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitOyUgWeAUU8BKHzBsu8zWsRUtuQ0lCIWQW17c4VCEuzz8o9MGjWEKD1O5rzmxAPPukpIvusF44BHEfOH-VMsIm6kXRHxTFrDzK9MPlfiFOl9bz6uvwnToSfj9xqkzkU3KurxfA87Kd2RrlM_zfFGP4mUkihbx0UOcsBLbId6wxEEJdYpuZ3jE12er6BRwcZczzKBnnd8n3i4qUTOJeBCQ8vomDDz9gwtDztcgv5TpgGqQF72vkXMFPdOQlqftCc1atbpkZolcazBpfgxP3BjFUrW1B25Eeo6jpKGbaGiwN-0GsaEiBVJlB6CGfR0NE1ls83deGfxZE0zJcIC2ZkoS-ti1uaCQNaD9lgSlOfaHFk-ycDqE9dCcNVOkX3gIkYROKl_4mTjJZj2r25nj6kLt2Nc_J_dNB1fFCMlNBV8rnZTYXUSJW1TOV9R80iPKG_gU2wnQOXK2CkzPhtohM-OQrAfgmVnJSZmhHqULyYwyLwgntz1ov-Q3_SE7pNf9Mr-CyOcxI118EnyWBrdlktLtFNQKS5J_AuKysKZJbGom39Hw%3D%3D" target="_blank">Read more</a></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="m_-122225472168911215em_ptop" style="border-collapse:collapse;padding-top:30px" valign="top"> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse;table-layout:fixed"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_w106" style="border-collapse:collapse;width:200px" valign="top" width="200"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitP5JbvbvQVmzx5dha0n6LfkWufq2a-IfNU7r-X6b9X6CUU2ouRB2W0YI_p5uiz5RRoKJUZZ9TD6UiwQMVu2uazY9kk0oYpIIocMmIixac6k4SZd0Yw7ixJ0f1i7M88WdrwhgYW0tCdKPPnKSpKszdP9DLxV2HHO-SEGwLy2dvEBPSuFFRaolINyWBIGxyjKYBSyLwwFv5CqoLejhMuyeUZPDQnnCj1jJq5CoizowWEnn4SVhu6iaUpb5x69wzvPrZrvpHGXwsHlLBOFhfVvGN6P1vOm3sHiBRkpdwjtUzAbpTjhrTKKH2c8DEBEsMeiv9tai9Rqhszaj7e7csVxK5MG49UacoiSHaEBQHmx-L4jItUTWXdVMbXRq5HMExSExfTlR9VXavoPdIAG4kgblPv99Uuq0TTqecry2T7BKRToGlTyuu17i7uKyaH9IJxUyCFRDcziaQHWnb-I4kfJAp_ZedxQYS7KxS_IbpQK1n8iPfIERnoW8L35xprhrVoexSIv_iop-no_FyjRgwiYe_mNYDMloc-WwwW_f27L0x5mhA%3D%3D" style="border-collapse:collapse" 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style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:18px;line-height:24px;color:#000000;font-weight:700" valign="top"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitP5JbvbvQVmzx5dha0n6LfkWufq2a-IfNU7r-X6b9X6CUU2ouRB2W0YI_p5uiz5RRoKJUZZ9TD6UiwQMVu2uazY9kk0oYpIIocMmIixac6k4SZd0Yw7ixJ0f1i7M88WdrwhgYW0tCdKPPnKSpKszdP9DLxV2HHO-SEGwLy2dvEBPSuFFRaolINyWBIGxyjKYBSyLwwFv5CqoLejhMuyeUZPDQnnCj1jJq5CoizowWEnn4SVhu6iaUpb5x69wzvPrZrvpHGXwsHlLBOFhfVvGN6P1vOm3sHiBRkpdwjtUzAbpTjhrTKKH2c8DEBEsMeiv9tai9Rqhszaj7e7csVxK5MG-PQtxzll2LfW6tDBGl_oNZoAvadCAFg8SGM3ccj1Ns93_bI9Le95QyS85qCpmhKtwKvQve7MdiQrv1hjOTvdrIx1JbyjfVegSE4ZJEMruUVq8l2CbR0s_kMrD07PrDwP_VzE5pA_sPaNeKlX3xaOP1iyK4Xg1DNczSYVbOULq3XiEl_Q2VI9yf-ISbjjrfxRDzQYzYQvsmI5NSupXnvuDQ%3D%3D" style="border-collapse:collapse;color:inherit;text-decoration:none" target="_blank">10 tips to save on overseas ATM withdrawals this summer</a></td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10 m_-122225472168911215em_pt4" style="border-collapse:collapse;padding-top:8px;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:24px;color:#000000;font-weight:400" valign="top">No matter how much you plan ahead, you'll often need to withdraw money in the local currency when you're overseas.</td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10" style="border-collapse:collapse;padding-top:7px;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:24px;color:#000000;font-weight:400" valign="top"><a style="border-collapse:collapse;text-decoration:underline;color:#000000" href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitP5JbvbvQVmzx5dha0n6LfkWufq2a-IfNU7r-X6b9X6CUU2ouRB2W0YI_p5uiz5RRoKJUZZ9TD6UiwQMVu2uazY9kk0oYpIIocMmIixac6k4SZd0Yw7ixJ0f1i7M88WdrwhgYW0tCdKPPnKSpKszdP9DLxV2HHO-SEGwLy2dvEBPSuFFRaolINyWBIGxyjKYBSyLwwFv5CqoLejhMuyeUZPDQnnCj1jJq5CoizowWEnn4SVhu6iaUpb5x69wzvPrZrvpHGXwsHlLBOFhfVvGN6P1vOm3sHiBRkpdwjtUzAbpTjhrTKKH2c8DEBEsMeiv9tai9Rqhszaj7e7csVxK5MG3JFKohJIdRCi-p4RuPrn1SdrlKrSOsbcLzvZt2OBKkMvAXDpUdgzvnRsGIA__78HetEXpgA7lALTjmWNqQpQPVXVI0V80VGlvI_smOIQnwYf_q4fWffGFLjZdy0i3EOWrDeugjVGnsdY0Nre5PZ-z5vWcN87JYo2Ucm-Dvaz_-xC-TR9H_qlw-Z2ocutO73YvZ8xgINqaVMgwMbIv1Uukw%3D%3D" target="_blank">Read more</a></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="m_-122225472168911215em_ptop" style="border-collapse:collapse;padding-top:30px" valign="top"> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse;table-layout:fixed"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_w106" style="border-collapse:collapse;width:200px" valign="top" width="200"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMyn1cSnr9gm98XKKQH7Yy17JxEFB5_XDjh6RLLrqrbWzYD2M3GrreN4G2z9lSj_YvRgUXNDoV6GHdxNZn1R4NeNd2cOe1qeqtqPfiHwq_4BKiAswwdbt9fwQuF-jxts-Ld5RcHlsy2zu35wNMctrQDMDRcPKSPZMStWVArzYXxyKZ-Ywi5DER_5FSJImrh1J059liD65f0J7kp5QALBNaqoymgS2IN6fZHo8BBg5E_2tDprHfkvcxc5ljYccILz3pXAvgXzCfHuwFtdgKkJ5l7rAH8VuNzUShmzt4_njS-Gv9ra3APHsvMnKc5hQ0abd4KRgWrc-_XPGL5_BvgOZN91PF5T70OyTxoCMKgiXGJ9ys7BDagPNTjCaaPkmLdhcKHdUwNKe-JAWPdLk3ebtnmdZ6quLtTVm3Eebo-8wG62aWJSaYjiSklkB5qKxL--ka0AkSaPF_IgsSTrZ4rUqDCFW0kWd69x56RIuPWw594Tp_07dQ6sVmsJ8YmuLJg6JJxEb9aFNqXwpAjZrnP1AS6ri96TQI0RYSjpSjjpYZqtA%3D%3D" style="border-collapse:collapse" target="_blank"><img alt="" border="0" class="m_-122225472168911215em_w106" height="136" style="display:block;max-width:200px;font-family:'Roboto Slab','Times New Roman',Times,serif;font-size:16px;line-height:20px;color:#000000;border:0!important;outline:none!important" width="200" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2020/07/computer.jpg?width=200&height=136px&ssl=1"></a></td> <td class="m_-122225472168911215em_side10" style="border-collapse:collapse;width:20px;font-size:0px;line-height:0px" width="20"></td> <td align="center" valign="top" style="border-collapse:collapse"> <table align="center" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_wrapper" style="border-collapse:collapse;table-layout:fixed;width:470px" width="470"> <tbody> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font11" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:18px;line-height:24px;color:#000000;font-weight:700" valign="top"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMyn1cSnr9gm98XKKQH7Yy17JxEFB5_XDjh6RLLrqrbWzYD2M3GrreN4G2z9lSj_YvRgUXNDoV6GHdxNZn1R4NeNd2cOe1qeqtqPfiHwq_4BKiAswwdbt9fwQuF-jxts-Ld5RcHlsy2zu35wNMctrQDMDRcPKSPZMStWVArzYXxyKZ-Ywi5DER_5FSJImrh1J059liD65f0J7kp5QALBNaqoymgS2IN6fZHo8BBg5E_2tDprHfkvcxc5ljYccILz3pXAvgXzCfHuwFtdgKkJ5l7rAH8VuNzUShmzt4_njS-Gv9ra3APHsvMnKc5hQ0abd4KRgWrc-_XPGL5_BvgOZN9oJ5BrEqGLYNJ3U3qt9A5Umpu_Rk0iKfB5uuamqUgjg597BNl4GDF5vR3RAEUBqR8HkrXvWKIh5IZfZPoX5dZvpevYUB4XTfAAnf_dzRfuKRtzP42lhPlTjnYC0DVtgsYAwONQXIiXY6AqerSmU7YCWZaCbdCSxkKRqSTw79XWXno1ZcBqSoT55FFyibGA67JWFz_Smv6ztGbMBsxsLLs3w%3D%3D" style="border-collapse:collapse;color:inherit;text-decoration:none" target="_blank">Why a password manager is a critical part of my points and miles strategy</a></td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10 m_-122225472168911215em_pt4" style="border-collapse:collapse;padding-top:8px;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:24px;color:#000000;font-weight:400" valign="top">Remembering all of the passwords to your numerous bank accounts and loyalty accounts is essentially impossible.</td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10" style="border-collapse:collapse;padding-top:7px;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:24px;color:#000000;font-weight:400" valign="top"><a style="border-collapse:collapse;text-decoration:underline;color:#000000" href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMyn1cSnr9gm98XKKQH7Yy17JxEFB5_XDjh6RLLrqrbWzYD2M3GrreN4G2z9lSj_YvRgUXNDoV6GHdxNZn1R4NeNd2cOe1qeqtqPfiHwq_4BKiAswwdbt9fwQuF-jxts-Ld5RcHlsy2zu35wNMctrQDMDRcPKSPZMStWVArzYXxyKZ-Ywi5DER_5FSJImrh1J059liD65f0J7kp5QALBNaqoymgS2IN6fZHo8BBg5E_2tDprHfkvcxc5ljYccILz3pXAvgXzCfHuwFtdgKkJ5l7rAH8VuNzUShmzt4_njS-Gv9ra3APHsvMnKc5hQ0abd4KRgWrc-_XPGL5_BvgOZN9I7AsLgXNRrDCW9DrGpjlx2IyTSjzAdHemGu16UhN5RqyFpWqbSXPs2_9B3t5CTeX0s02cd6DwYEus8lmZR_DNoTBGwjUuj9M_xrxf7Ao9MBWGh7jDw8Rj9Sb_Tvq2lV7dN1LCN0o3xhZxIE6CBIWpWctmFErmjpOR0WAoR4WoNL3ZXZkV7pTNKHytGWLYAVQQHZwBveIFLK2lQ3VH7IG-g%3D%3D" target="_blank">Read more</a></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="m_-122225472168911215em_ptop" style="border-collapse:collapse;padding-top:30px" valign="top"> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse;table-layout:fixed"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_w106" style="border-collapse:collapse;width:200px" valign="top" width="200"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMEIESe3wT0BMrkUVzr2-CNNL0wPMvw1VYLMTIM6gCXZgyCkNw7kmxT9cWGA0BwsUQbooJV9_thkxVkfAtSHN56A2ypuCV85WrZKU57bRCKMkz1aVy0yhR5384PhsRQqQtWPU10B-6KwFCuZ_bq2MRnVwiKLcef42EhhTeralYZRID6NWiYZwx9mD_PNEXl77tpHDRH9gkWQ7BGOvbf9V-dlHhcg_5SDZjUB2BOc8baXBj3NpuabEBNym0GAaWo2YKKhOQ36M8QFhvoc4WhRc3B7vvU3odfLWayOCrnXmV9XHxzK0CxsF0nx2lqZIj4XsrQa73SenCHfLTZdnmd3mZX_bhCKjhPhCfNFK4wcaHPJ2dMWCSf3uO4cf73DTLGTcXgJIo_EieL3aBuoL_sTl027XpYY2mcqJDD5TwzYlfx2iyIjF9c2fcrshH5icy3S5_jXhDVy9BZxQfKf39gEkbeLfxOdV026oW5PhPnNt-w87S-ByYYUeDeD5mgqNU-gm4ApRbVin-ufavknM_5aJYw" style="border-collapse:collapse" target="_blank"><img alt="" border="0" class="m_-122225472168911215em_w106" height="136" style="display:block;max-width:200px;font-family:'Roboto Slab','Times New Roman',Times,serif;font-size:16px;line-height:20px;color:#000000;border:0!important;outline:none!important" width="200" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2021/09/20210908_Ritz-Carlton-Turks-and-Caicos_SHull-84.jpg?width=200&height=136px&ssl=1"></a></td> <td class="m_-122225472168911215em_side10" style="border-collapse:collapse;width:20px;font-size:0px;line-height:0px" width="20"></td> <td align="center" valign="top" style="border-collapse:collapse"> <table align="center" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_wrapper" style="border-collapse:collapse;table-layout:fixed;width:470px" width="470"> <tbody> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font11" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:18px;line-height:24px;color:#000000;font-weight:700" valign="top"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMEIESe3wT0BMrkUVzr2-CNNL0wPMvw1VYLMTIM6gCXZgyCkNw7kmxT9cWGA0BwsUQbooJV9_thkxVkfAtSHN56A2ypuCV85WrZKU57bRCKMkz1aVy0yhR5384PhsRQqQtWPU10B-6KwFCuZ_bq2MRnVwiKLcef42EhhTeralYZRID6NWiYZwx9mD_PNEXl77tpHDRH9gkWQ7BGOvbf9V-dlHhcg_5SDZjUB2BOc8baXBj3NpuabEBNym0GAaWo2YKKhOQ36M8QFhvoc4WhRc3B7vvU3odfLWayOCrnXmV9XHxzK0CxsF0nx2lqZIj4XsqAZuqsYovTznci7u15dFW2G2sWw_Jut2JupVLK7eKDs3f_EYzZjQz3uNE7eJGRBUzLZABa4B5YNM1YtXRuml9fH8urpsiDN-msbTmaRnGaaQEDcFJqdTzaUJEWgbwQZUFcev9m6avqIBCfIWXQYZ_Emt6-24IKghfDLr1qBAbXGaX6GlaZq1VYiso7Slj3Wyw0D5NRo-WN5gROs52VE47U" style="border-collapse:collapse;color:inherit;text-decoration:none" target="_blank">Save hundreds using hotel discounts available now with Amex Offers</a></td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10 m_-122225472168911215em_pt4" style="border-collapse:collapse;padding-top:8px;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:24px;color:#000000;font-weight:400" valign="top">If you have a hotel stay coming up in the next few months and hold an American Express card, you may be able to save some serious cash.</td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10" style="border-collapse:collapse;padding-top:7px;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:24px;color:#000000;font-weight:400" valign="top"><a style="border-collapse:collapse;text-decoration:underline;color:#000000" href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitMEIESe3wT0BMrkUVzr2-CNNL0wPMvw1VYLMTIM6gCXZgyCkNw7kmxT9cWGA0BwsUQbooJV9_thkxVkfAtSHN56A2ypuCV85WrZKU57bRCKMkz1aVy0yhR5384PhsRQqQtWPU10B-6KwFCuZ_bq2MRnVwiKLcef42EhhTeralYZRID6NWiYZwx9mD_PNEXl77tpHDRH9gkWQ7BGOvbf9V-dlHhcg_5SDZjUB2BOc8baXBj3NpuabEBNym0GAaWo2YKKhOQ36M8QFhvoc4WhRc3B7vvU3odfLWayOCrnXmV9XHxzK0CxsF0nx2lqZIj4XsqPcwVIMbnGDXxhiTcsJu_dDaIPqCAcn_FO3-O9oZlq9xmA_zDLFSfCxUp39cVkC5bmo9uQDFdfCg3o_KKH1pdLn005uTR8Rj1I6EK9gsYHxjYS8PC3p3mRv_taLy0bQqfaqgGlP59mVYs6VpKTucIBerxANKrid4w9XLxjgp_5qvGR4F2N_rl7_fAER_XP_ZCZfzIbf8CL8ZhPLaQhmBph" target="_blank">Read more</a></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="m_-122225472168911215em_ptop" style="border-collapse:collapse;padding-top:30px" valign="top"> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse;table-layout:fixed"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_w106" style="border-collapse:collapse;width:200px" valign="top" width="200"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitNcWz4aKqrcNsefryHh65L7kKSTNouOFGtYamZo6tSlO389AyJ2b9jpNQNg2ZGwiudo41R9-kO7cBIIoU1yECkSGhICXjGHxKQ2PcKw_hUziRclHJZpsv7_B8z6T_el7OpfpFFSaCilfCIHtpXW87ZO9RGI0aDCPS1eyQYmoi3QX6RA28WVoTD40sXXLMGy911Ij-a2rL0ts0aut_9-MuFNs8gYLNyqNVzQt1pspdoyJeasbwz6awiJmUJzDA2kZwLgjqfOrBd8aR--acMXPUjLKgRdPsq0zj6UzbRGqI1dqtMbEMZ8PXvTd3CKz_A06srV2zH5w2q3DcD27uipRyEH3tPM3uV0UMHQIA9ANJDWMkXXArARHSFQBt2iiT4rPKhf3kmPN4BiKOVnvCjJNztXEmQvKGlyj_rwj4u5mo8TQ77EX15Z6-U4pCbdRz2IvRvaUy0Y8VOttUFRoGxBRn_VV0Vnuz00sNqAGu9nH1Tyek1sKu9dKcU0JxJWXVvVm8jDDrJj1Um5XwrZicpnFHCeqJ8scOjC4JUjm-E2fd-jhn0-1bOxew6loxTUzhTZyck%3D" style="border-collapse:collapse" target="_blank"><img alt="" border="0" class="m_-122225472168911215em_w106" height="136" style="display:block;max-width:200px;font-family:'Roboto Slab','Times New Roman',Times,serif;font-size:16px;line-height:20px;color:#000000;border:0!important;outline:none!important" width="200" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2022/06/2022627_Chatwal-Lodge_SMayerowitz_27.jpg?width=200&height=136px&ssl=1"></a></td> <td class="m_-122225472168911215em_side10" style="border-collapse:collapse;width:20px;font-size:0px;line-height:0px" width="20"></td> <td align="center" valign="top" style="border-collapse:collapse"> <table align="center" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_wrapper" style="border-collapse:collapse;table-layout:fixed;width:470px" width="470"> <tbody> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font11" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:18px;line-height:24px;color:#000000;font-weight:700" valign="top"><a href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitNcWz4aKqrcNsefryHh65L7kKSTNouOFGtYamZo6tSlO389AyJ2b9jpNQNg2ZGwiudo41R9-kO7cBIIoU1yECkSGhICXjGHxKQ2PcKw_hUziRclHJZpsv7_B8z6T_el7OpfpFFSaCilfCIHtpXW87ZO9RGI0aDCPS1eyQYmoi3QX6RA28WVoTD40sXXLMGy911Ij-a2rL0ts0aut_9-MuFNs8gYLNyqNVzQt1pspdoyJeasbwz6awiJmUJzDA2kZwLgjqfOrBd8aR--acMXPUjLKgRdPsq0zj6UzbRGqI1dqtMbEMZ8PXvTd3CKz_A06srV2zH5w2q3DcD27uipRyEHmbSyODxbTu_OlkAoB5vnqieevECd1xOdB_NnqjDrx3bZKxyEVykYnzU7yQbC3xbyNxXGOLcJrYe26-NXKU2XZv_NzgZ2FWWCzAy0HCGb9sommWtst2C7wse7ubRj-RwcK_opLwkwFLt3IBeoRq821iY3rLHI_exbEAtvJO1kOb0RxxEqrb4UF7E-0Q2NpzgNSqDJbhEbKV0CO6TWpB8RMS8CEzZJTUApfCYdkSGH8QA%3D" style="border-collapse:collapse;color:inherit;text-decoration:none" target="_blank">New Chatwal Lodge brings luxury — and kitschy wooden wildlife — to the Catskills</a></td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10 m_-122225472168911215em_pt4" style="border-collapse:collapse;padding-top:8px;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:24px;color:#000000;font-weight:400" valign="top">TPG's Scott Mayerowitz and his wife noted that the wooden wildlife around the resort and in their room "left us with this odd sense of being watched."</td> </tr> <tr> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font10" style="border-collapse:collapse;padding-top:7px;font-family:'Barlow',Arial,sans-serif;font-size:16px;line-height:24px;color:#000000;font-weight:400" valign="top"><a style="border-collapse:collapse;text-decoration:underline;color:#000000" href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitNcWz4aKqrcNsefryHh65L7kKSTNouOFGtYamZo6tSlO389AyJ2b9jpNQNg2ZGwiudo41R9-kO7cBIIoU1yECkSGhICXjGHxKQ2PcKw_hUziRclHJZpsv7_B8z6T_el7OpfpFFSaCilfCIHtpXW87ZO9RGI0aDCPS1eyQYmoi3QX6RA28WVoTD40sXXLMGy911Ij-a2rL0ts0aut_9-MuFNs8gYLNyqNVzQt1pspdoyJeasbwz6awiJmUJzDA2kZwLgjqfOrBd8aR--acMXPUjLKgRdPsq0zj6UzbRGqI1dqtMbEMZ8PXvTd3CKz_A06srV2zH5w2q3DcD27uipRyEHSzQ0IG9Ui7OexdNYQOvn6_Z576nyooAO9bR9IzPo6zxupO5-Pqusn-kfgpQcIgV6rbX4DLi6cqan87nS9FgG4tUE_Xuc_-pSmj_ghXKZWuR_llKBOAR8QA8EBpsv_4YkE5vb6IoIfAO1Ej5PZKPncbNp_FpXiiNxTVcICQbSPVjFhEWNdCJBkiLnpLjlNAaw2AdiKsEAnU1xq5M9BBPZ95TmISc4mHMOnE3elSpmDPU%3D" target="_blank">Read more</a></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font16 m_-122225472168911215em_ls2 m_-122225472168911215em_pt35" 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align="left" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;table-layout:fixed"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_w18" style="border-collapse:collapse;width:30px" valign="top" width="30"> <table align="center" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_w18" style="border-collapse:collapse;table-layout:fixed;width:30px" width="30"> <tbody> <tr> <td height="0" style="border-collapse:collapse;height:0px;font-size:0px;line-height:0px"></td> </tr> <tr> <td align="center" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font16 m_-122225472168911215em_w18" style="border-collapse:collapse;width:30px;font-family:'Roboto Slab','Times New Roman',Times,serif;font-size:24px;line-height:28px;color:#b3cffe;font-weight:700" valign="top" width="30">7</td> </tr> </tbody> </table> </td> <td class="m_-122225472168911215em_side10" style="border-collapse:collapse;width:13px;font-size:0px;line-height:0px" width="13"></td> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font12_1" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:18px;line-height:28px;color:#000000;font-weight:400" valign="top"><a style="border-collapse:collapse;text-decoration:underline;color:#000000" href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitPhX7X3RTvsew_9we1_q7n5i_XeqC3a5unE7nr_CX19433bKwjMwU7MziTM9vVGU35r6GNCkfdFQWadhxaKcRX817VqIRglyCDxtNTdbzHbNkk_ao--C9-_VGZE1roJ_eBFRs_d8eMfn0YdBT8JPmLcKQhDe-euL58xJkgbUl7oKIhazcqNPTaP89JkfLSR6NcuzvP0xLguykXYAOkdipGSHFk7trEZYPYVZHmIDKKhZ2wnnSqzfGuf94Jprx9MZXNnWTg_K6FTWq2xzi4lYZlof5Lf5i_ht52JWCZh2gfWTc4N_fNolDJ9Lwh3erkFaJlQ9Ey-vXWpOjTFQ3B9QcDGxmsUFUwa3-MxN5H3dQSteFyC4YAOlrrL_OV2YkWE5xHzBTjYcV-i0RUbCPE1ANuHBhMjtG8LsuNl_OgIrWVTExr7WzUgFUvBTv3i0nQYiDwEcfYZYZQg2FZipgbQODf2r1fF0AqJQqOtaIap3siqyLWLdVyRcaNIKXKoculaFzXxF_3AugFNafSoDtP5OHlEIAk8pE_nnR3vgJRpftdLQg%3D%3D" target="_blank">Deal alert: West Coasters can get away to Honolulu for less than $350 round-trip</a></td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="m_-122225472168911215em_ptop" style="border-collapse:collapse;padding-top:30px" valign="top"> <table align="left" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;table-layout:fixed"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_w18" style="border-collapse:collapse;width:30px" valign="top" width="30"> <table align="center" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_w18" style="border-collapse:collapse;table-layout:fixed;width:30px" width="30"> <tbody> <tr> <td height="0" style="border-collapse:collapse;height:0px;font-size:0px;line-height:0px"></td> </tr> <tr> <td align="center" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font16 m_-122225472168911215em_w18" style="border-collapse:collapse;width:30px;font-family:'Roboto Slab','Times New Roman',Times,serif;font-size:24px;line-height:28px;color:#b3cffe;font-weight:700" valign="top" width="30">8</td> </tr> </tbody> </table> </td> <td class="m_-122225472168911215em_side10" style="border-collapse:collapse;width:13px;font-size:0px;line-height:0px" width="13"></td> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font12_1" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:18px;line-height:28px;color:#000000;font-weight:400" valign="top"><a style="border-collapse:collapse;text-decoration:underline;color:#000000" href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitPrSzJaw9VwEy15e5wQO9N3067CeXnXziRF6Qudgw6oDpTSevahO-hXxJ6Lkb0P-Xqspbup2NxZZYX66jBRp5BdVgu3togdFk_PnGTZIEH7Mlw6jG272K_7LWIvznP_ENNiVjvqZXUT6TfzGxhUvqmJRi_Eg3VamKR-vwa-ENccIelUrDG3BhTfQ2Tj8SoXpnwtL2yc4bxz6xVdg_3KRa2P34V9dqTDaqCpAhFGR374hYYqbIDuxt8pNtCxCkDp5G4Re7uSspaWbyPB_G1gibaJlA_8wn7iUknFubmnwGjUcpZvQEf-bIR0bb8RVjRR1X1dXc--lZ8jMWZL9Ck_ZbnAbqD8x26rFbT_Ys_HCDGoxGmkuDJVL5PM4LFiV725ehhvD0ltFwSxshSZg7sf1a9vGKvJDMIdTkUF4Yfu5gxqjY3trkZ-AIirEL_7Aiiod7NmkCFHk_79nK77WjXZQRA26ahdc_mh5741vwSznOSyPkj8jawu1QTVRxswaAlGoSlqtg7F6FvzimhQeo0q3pErQdW--I0uEPhpVsbODCqwKA%3D%3D" target="_blank">Airbnb extends its party ban but lifts its 16-guest limit</a></td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="m_-122225472168911215em_ptop" style="border-collapse:collapse;padding-top:30px" valign="top"> <table align="left" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;table-layout:fixed"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_w18" style="border-collapse:collapse;width:30px" valign="top" width="30"> <table align="center" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_w18" style="border-collapse:collapse;table-layout:fixed;width:30px" width="30"> <tbody> <tr> <td height="0" style="border-collapse:collapse;height:0px;font-size:0px;line-height:0px"></td> </tr> <tr> <td align="center" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font16 m_-122225472168911215em_w18" style="border-collapse:collapse;width:30px;font-family:'Roboto Slab','Times New Roman',Times,serif;font-size:24px;line-height:28px;color:#b3cffe;font-weight:700" valign="top" width="30">9</td> </tr> </tbody> </table> </td> <td class="m_-122225472168911215em_side10" style="border-collapse:collapse;width:13px;font-size:0px;line-height:0px" width="13"></td> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font12_1" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:18px;line-height:28px;color:#000000;font-weight:400" valign="top"><a style="border-collapse:collapse;text-decoration:underline;color:#000000" href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitO9W_keciO0MzNTIzCpprsRy8vW2MXGf9bpnPqs8KbOO7KNyAsm7miLB4_WIYUTWLShyxQMXHkJ4uTwIBMpHAAtj6-UtyNG6X-D8ued6mfxWQso9vLmEXvsau-bpVHjq_c92BYdwzFuhw_-grk4QsC9OMvQMHr20roXUvl9suOxmMQ3fsCBCcpdjy-hA8KnEzYldowtJT1gaaH0_GaNlHeBm4WfVMQhJAsWHzDdU_ogav1CV2RAjP_Zmw4KlNRgqxnHSqbrEBjsEvJmRbtmdGDRaXITvJqutNzNa7nNaBaI-4OFdRIUvscbMZfElG4iGB7-CnHxEjnYHjV27ved_RmRnwWzLzwirK5K2eWq106rjpcOLQ8Seq7hFlgX2w00T4V8yvkEVdSDwCHAbQ5kBgVvpZdmYa6kAo72BzLZ-6oVXIhhqDjkiBBdE5rahrYtSkbyiB9sMMWrCDFp1jgSd5ob-8U1vNLhefFsdj3K9eZbNkJF5jNC8Kx5SbaDofSN8mYU3hSCORfz3Ww_yIXOAxJUprs-_QF5tIHYaLpffc3JQw%3D%3D" target="_blank">This new Hyatt promotion can save cobranded cardholders up to 30,000 points on future stays</a></td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="m_-122225472168911215em_ptop" style="border-collapse:collapse;padding-top:30px" valign="top"> <table align="left" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;table-layout:fixed"> <tbody> <tr> <td align="center" class="m_-122225472168911215em_w18" style="border-collapse:collapse;width:30px" valign="top" width="30"> <table align="center" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_w18" style="border-collapse:collapse;table-layout:fixed;width:30px" width="30"> <tbody> <tr> <td height="0" style="border-collapse:collapse;height:0px;font-size:0px;line-height:0px"></td> </tr> <tr> <td align="center" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font16 m_-122225472168911215em_w18" style="border-collapse:collapse;width:30px;font-family:'Roboto Slab','Times New Roman',Times,serif;font-size:24px;line-height:28px;color:#b3cffe;font-weight:700" valign="top" width="30">10</td> </tr> </tbody> </table> </td> <td class="m_-122225472168911215em_side10" style="border-collapse:collapse;width:13px;font-size:0px;line-height:0px" width="13"></td> <td align="left" class="m_-122225472168911215em_defaultlink m_-122225472168911215em_font12_1" style="border-collapse:collapse;font-family:'Barlow',Arial,sans-serif;font-size:18px;line-height:28px;color:#000000;font-weight:400" valign="top"><a style="border-collapse:collapse;text-decoration:underline;color:#000000" href="https://links.thepointsguy.com/u/click?_t=f0dc966251c44c7f915e0e8e426d8dac&_m=22acc4dc2f064442ae341dd878485caf&_e=aBzRUagSuQOmRYrPvK4eRjcfoLYezUrTFIyOhbXJitNRgSW_aUJso-Kf1q_Bk1wFi4y2dKYx-KxnROaer820cEeTFFG9lXoyj00l81Ti4xokPdxF5gk_YbWBSnEw86dpRAvwJQ-MzY8DN-gZ6F7_bMa9dkcqf_o2kQbKgX7IjLUsPU8rWDWvfuXAGSLc4ZmchhOynFUGefaVzb9t9yBsaYMI6SzApMsTkeZWS6QQndPHbNTQxyzm2T2pEQO-CZu5VlwIHcHR7lMxLj2C6KmWI4FH9uDZuMa0Ew2rwqd8LS5hswAXcX83oSmYuMUee4bFXAaR_sESQ_Kv-y09qkPASwbux47xP4M-K_PXs0DlbL6aDP6lMyXpIOxhweMIvQLwLKG9e7KlGtkA3xWayl2ftoI08zCR4_QezmqG5ObbofKH16IFBrb-SeLcHmprrrPTZZKGmKbWUqjf24vBTl8LJvrmsYDwGJg0eWc2m5fW_ErnsPE3nqFyWWWh6UxS80LhhFTwU65Pc7_2qAx56CnELJgsuc4ltugdotoRltXkgUQ8jvFz5HdR4hF3tSmOCbR170EAYq0i-M_lU1OzcRN1fg%3D%3D" target="_blank">Breeze encounters strong headwinds as it cancels new routes ahead of launch</a></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <br> <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_full_wrap" style="border-collapse:collapse;table-layout:fixed" width="100%"><tbody><tr><td align="center" valign="top" style="border-collapse:collapse"><table align="center" border="0" cellpadding="0" cellspacing="0" class="m_-122225472168911215em_main_table" style="border-collapse:collapse;width:750px;table-layout:fixed" width="750"><tbody><tr><td align="center" bgcolor="#f7f7f7" valign="top" style="border-collapse:collapse"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse;table-layout:fixed"><tbody> </tbody> </table> </td> </tr> <tr> <td class="m_-122225472168911215em_hide" style="border-collapse:collapse;line-height:1px;min-width:750px;background-color:#f7f7f7" bgcolor="#f7f7f7"><img alt="" border="0" height="1" style="max-height:1px;min-height:1px;display:block;width:750px;min-width:750px;border:0!important;outline:none!important" width="750" src="https://thepointsguy.com/wp-content/uploads/2020/03/newsletter_v2_spacer.gif"></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <img src="https://u12639023.ct.sendgrid.net/wf/open?upn=NrSwS7R3OUVCFfyNU62UwV0YCJvAVmQCFJTSDEdvVgx5aUB2bClpqGWxfBpaT7EVZZHOMjlQ7mvQdr0OZVDn6XfcTgKSjD6LCxWo-2Bs3DRik4XhBHpxTXBerartHIQPXDekQsmeGInl0HrMOCAetDNAD-2B7LU1Q-2FPs2u2XiQ10EhyetFf-2F1RQpqcl-2BS0wV4OLR-2BbWPEejerb8OaQb1BribSNZsZ-2FdUmCqyDfnsISudYCzygWFBeGG9nIlyKiyEUZzcMued1ZyFUBb8k0nM0TYVpBxW0WN-2BHt4vH0XLFxVscAhUz3YZaau-2B5fGv6Hl-2BD22pjguTPR9zXNzTXfZG6Co25YtGa1Y1jCUtKeXFyFvs55GeeG-2FBMluE23L1kV71cf-2FY" alt="" width="1" height="1" border="0" style="height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important"></div> </div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-9668485716539344282022-06-25T13:05:00.000-07:002022-06-30T10:21:52.439-07:00Phishing: Chase locked account?<div dir="auto">Yet another phishing attempt texted to me! Do not be fooled! Do not click the link!</div><div><div class="gmail_quote" dir="auto"><br />Сhаѕе: Ԝе'ⅴе ⅼοсked уоսr aссοսոt, for yоur security due tо sοme unusual activity to rеѕtorе ассеѕѕ fοⅼⅼοԝ https:// …. </div><div class="gmail_quote" dir="auto">(URL given is *Not* a chase website)<br /><div data-smartmail="gmail_signature" dir="ltr"><div dir="ltr"><br /></div></div> </div></div>-- <br /><div class="gmail_signature" data-smartmail="gmail_signature" dir="ltr"><div dir="ltr"><div style="font-size: 13px;"><div style="font-size: 13px;">Cheers,</div><div style="font-size: 13px;">Connie O'Dell</div><div style="font-size: 13px;"><a href="mailto:odellconnie@gmail.com" style="color: #1155cc;" target="_blank">odellconnie@gmail.com</a></div><div style="font-size: 13px;"><a style="color: #1155cc;" value="+17202604442">720-260-4442</a></div></div><br /></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-67651368211241068102022-04-08T08:45:00.001-07:002022-04-08T08:45:44.248-07:00what-do-if-you-missed-your-rmd, thanks to Slott Report?<div><br></div><div><div class="gmail_quote"><div dir="auto"><a href="https://www.irahelp.com/slottreport/what-do-if-you-missed-your-2021-rmd" target="_blank">https://www.irahelp.com/slottreport/what-do-if-you-missed-your-2021-rmd</a><br></div><div dir="auto"><br></div><div dir="auto"><br></div></div></div>-- <br><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div style="font-size:13px"><div style="font-size:13px">Cheers,</div><div style="font-size:13px">Connie O'Dell</div><div style="font-size:13px"><a href="mailto:odellconnie@gmail.com" style="color:rgb(17,85,204)" target="_blank">odellconnie@gmail.com</a></div><div style="font-size:13px"><a value="+17202604442" style="color:rgb(17,85,204)">720-260-4442</a></div></div><br></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-91527610224010846922022-04-07T20:36:00.000-07:002022-04-07T20:40:45.736-07:00I am the very model ..<div><br /></div><div><div class="gmail_quote"><br /><div dir="ltr"><div style="color: #1a1a1a; font-family: Spectral, serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol"; font-size: 19px; margin-bottom: 16px; text-align: center;"><a href="https://cdn.substack.com/image/fetch/f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fcb30631c-bc68-4d81-890c-a97c1e3e5f8a_645x145.png" rel="nofollow" style="border: 0px; color: #1a1a1a; display: flex; font-family: Spectral, serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol"; height: auto; margin: 0px auto; padding: 0px; text-decoration-line: none; width: auto;" target="_blank"><img alt="" height="145" src="https://cdn.substack.com/image/fetch/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fcb30631c-bc68-4d81-890c-a97c1e3e5f8a_645x145.png" style="display: block; font-family: Spectral, serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol"; height: auto; margin: 0px auto; max-width: 100%;" title="" width="645" /></a></div><div style="color: #1a1a1a; font-family: Spectral, serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol"; font-size: 19px; margin-bottom: 0px; text-align: center;"><a href="https://cdn.substack.com/image/fetch/f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2F03b5c25b-d359-45c0-8dcf-88227eb55a6b_647x329.png" rel="nofollow" style="border: 0px; color: #1a1a1a; display: flex; font-family: Spectral, serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol"; height: auto; margin: 0px auto; padding: 0px; text-decoration-line: none; width: auto;" target="_blank"><img alt="" height="329" src="https://cdn.substack.com/image/fetch/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2F03b5c25b-d359-45c0-8dcf-88227eb55a6b_647x329.png" style="display: block; font-family: Spectral, serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol"; height: auto; margin: 0px auto; max-width: 100%;" title="" width="647" /></a></div></div><div dir="ltr"><div><br /></div><br /></div></div></div><div class="gmail_signature" data-smartmail="gmail_signature" dir="ltr"><div dir="ltr"><br /></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-32236622587547509452022-01-24T09:27:00.001-08:002022-01-24T09:27:39.380-08:00Article about aging and hospitals, thanks to local papers!<div dir="ltr"><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><br></div></div></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-24158100813388754792022-01-03T17:40:00.001-08:002022-01-03T17:40:26.429-08:00Boulder emergency notification signup<div><a href="https://www.bouldercounty.org/safety/emergency/emergency-mass-notification-system/" target="_blank">https://www.bouldercounty.org/safety/emergency/emergency-mass-notification-system/</a><br></div>-- <br><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div style="font-size:13px"><div style="font-size:13px">Cheers,</div><div style="font-size:13px">Connie O'Dell</div><div style="font-size:13px"><a href="mailto:odellconnie@gmail.com" style="color:rgb(17,85,204)" target="_blank">odellconnie@gmail.com</a></div><div style="font-size:13px"><a value="+17202604442" style="color:rgb(17,85,204)">720-260-4442</a></div></div><br></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com2tag:blogger.com,1999:blog-1895845305357009872.post-3256416659941746042022-01-03T15:42:00.001-08:002022-01-03T15:42:03.965-08:00Marshall fire volunteering ideas: COLORADO RESPONDS<div dir="auto">COLORADO RESPONDS<br><br><br><a href="https://www.coloradoresponds.org/">https://www.coloradoresponds.org/</a><br></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-2526219070345355072022-01-03T15:39:00.001-08:002022-01-03T15:39:22.434-08:00Marshall Fire resources<div><br></div><div><div class="gmail_quote"><div dir="ltr"><div class="gmail_quote"><u></u> <div marginheight="0" marginwidth="0" style="font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:14px;line-height:21px;color:#404040"> <div style="max-width:650px;margin:0 auto;padding:20px 0"> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:14px;color:#404040"> <tbody> <tr> <td width="100%" style="font-family:Helvetica Neue,Helvetica,Arial,sans-serif"> <table bgcolor="#FFFFFF" width="97%" cellpadding="0" cellspacing="0" border="0" align="center" style="border-radius:4px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:14px;color:#404040;border:1px solid #ddd"> <tbody> <tr> <td width="100%" style="font-family:Helvetica Neue,Helvetica,Arial,sans-serif"> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:14px;color:#404040"> <tbody> <tr> <td bgcolor="#f2f2f2" width="100%" style="border-radius:3px 3px 0px 0px;font-size:26px;font-weight:700;letter-spacing:-1px;border-bottom-style:solid;border-bottom-color:#ddd;border-bottom-width:1px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;padding:20px 30px 20px;color:#777"> <img src="https://offerodocs.azureedge.net/city-of-boulder/city-of-boulder-badge.png" width="36" height="36" alt="City of Boulder" style="display:inline-block;border:0;vertical-align:sub;margin-right:20px">Count Me In - City of Boulder </td> </tr> <tr> <td width="100%" style="font-family:Helvetica Neue,Helvetica,Arial,sans-serif;padding:30px 30px 20px"> <p>Dear Connie,</p> <p>We want to reach out in the wake of the heartbreaking loss and destruction due to fires in Boulder County. Our thoughts and heavy hearts go out to you and everyone impacted. We are all struggling to find words to express our sadness.</p> <p>We are thinking of each of you. We'd like to share the email below from the Community Foundation, which includes information on where to donate, volunteer, and get support for those impacted by the fires. See below this message.</p> <p>At times like no other, we all want to help, and yet there are feelings of helplessness along with a desire to serve. We are still in the very early days of processing this disaster. Right now, we can share this site, coordinated by the Colorado Division of Homeland Security and Emergency Management, as one option: <a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fcoloradoresponds.communityos.org%2F&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=oj3UNcNLnMLoAT56StVCun15zy51x8s3ZTSjwsu9h74%3D&reserved=0" target="_blank">https://coloradoresponds.communityos.org/</a>. You can sign up here and when they are ready for volunteers, they will contact you. And, if we hear anything more about ways to volunteer, we will let you know.</p> <p>We are grateful for each and every one of you, and we hold each of those who have been directly impacted in our hearts and will do all we can to support you. For everyone else, we appreciate you, your continued resilience, and your service to our community. These will be challenging months ahead, and together we will work through them.</p> <p>In solidarity, </p> <p>Kate Kelsch, Christine Burke, and all the Library Staff</p> <p>Volunteer Services, Boulder Public Library</p> <p><a href="mailto:kelschk@boulderlibrary.org" target="_blank">kelschk@boulderlibrary.org</a>; <a href="mailto:burkec1@boulderlibrary.org" target="_blank">burkec1@boulderlibrary.org</a></p> <p>303-441-3114; 303-441-3098 </p> <p> </p> <table width="630"> <tbody> <tr> <td> <table width="100%"> <tbody> <tr> <td> <table width="100%"> <tbody> <tr> <td> <p>Email from the Community Foundation:</p> <table width="100%"> <tbody> <tr> <td width="100%"> <table width="100%"> <tbody> <tr> <td> <p>Dear Community, </p> <p>It has been a particularly difficult 24 hours for our community and we have been humbled by the global outpouring of support. This support has overwhelmed our website, so we have worked with our partners, Community First Foundation / Colorado Gives, to create a <a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-sEGd1cipb0BURJPvT2m6ryg15MUwguEmgUfGDkC0V5zt9elhr0-aLReT2inpPcrizaeyOEulkY2lxR0N-eHl9Www3e8a2Pp490sRzfKRIzuBD0UHkhHWmzVBY39pxWvo%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=DkBYgd7xTF%2F2s5%2B0GHS2L8shnQbcMBj%2FpeWma0znU4Y%3D&reserved=0" target="_blank"><strong>new Boulder County Wildfire Fund page</strong></a><strong>.</strong> </p> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%"> <tbody> <tr> <td width="100%"> <table width="100%"> <tbody> <tr> <td> <table width="100%"> <tbody> <tr> <td> <table> <tbody> <tr> <td> <p><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-sEGd1cipb0BURJPvT2m6ryg15MUwguEmgUfGDkC0V5zt9elhr0-aLReT2inpPcrizaeyOEulkY2lxR0N-eHl9Www3e8a2Pp490sRzfKRIzuBD0UHkhHWmzVBY39pxWvo%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=DkBYgd7xTF%2F2s5%2B0GHS2L8shnQbcMBj%2FpeWma0znU4Y%3D&reserved=0" target="_blank"><strong>Support those impacted by the wildfires ></strong></a></p> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%"> <tbody> <tr> <td width="100%"> <table width="100%"> <tbody> <tr> <td> <p><strong>If you have been directly impacted by the fires and need immediate assistance, visit the Boulder Office of Emergency Management:</strong> </p> <p><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZNe4XrK_kVTs3ala8o7mMK_FdHwh8nj6jQVkxITiaqkJtYMxRkOcxD9envsslo-UkSmU8jKFEU_4y4pemEvOUE62nZZNxct9QcVT__OUnUP3XgM4nJyYGGE%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=OEbLaDXKDDRy1OwvBwlYk6n3TsHbs0Mc3NlOol9r6cU%3D&reserved=0" target="_blank">https://www.boulderoem.com/emergency-status/</a> </p> <p>or <strong>call 303-413-7730</strong> (Boulder County residents) </p> <p><strong>You can also reach out to the American Red Cross for direct assistance:</strong> </p> <p><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-OCwmzR_a6XvkV8vzNp-Eim2pqNnYwqgAJSzGfJ2IOaPf_4v3lyJWz5nnqul7KVNrkQdTm86rm_YL1dvLnsZZ4JfJb0ixtUqIjQUufd8urW0%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=p7k4mXA3gYy4M1fPSpyVYp9Izgg%2F4rYv9Imm9dWwbw0%3D&reserved=0" target="_blank">https://www.redcross.org/local/colorado.html</a> </p> <p><strong>The Boulder Jewish Community Center is opening its doors today and providing "water, coffee and snacks, charging stations, play areas for children, showers, desks, wifi, and community." </strong></p> <p><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-l3GozXj_K1LHCKXIGxoz-ov9RUpSCVxgtZaco9VvAkkxxFlE4NZYIP-4CdDHUEQ6R96qJrLepqC-TfXw-L1H04CyM-m3bL9b%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=6qRelfudmcy0t9ctvEe%2BOdR931ByBLTGNF7hBVa1My4%3D&reserved=0" target="_blank">https://www.facebook.com/</a><a 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href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-l3GozXj_K1LHCKXIGxoz-ov9RUpSCVxgtZaco9VvAkkxxFlE4NZYIP-4CdDHUEQ6R96qJrLepqC-TfXw-L1H04CyM-m3bL9b%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=6qRelfudmcy0t9ctvEe%2BOdR931ByBLTGNF7hBVa1My4%3D&reserved=0" target="_blank">jc</a><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-l3GozXj_K1LHCKXIGxoz-ov9RUpSCVxgtZaco9VvAkkxxFlE4NZYIP-4CdDHUEQ6R96qJrLepqC-TfXw-L1H04CyM-m3bL9b%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=6qRelfudmcy0t9ctvEe%2BOdR931ByBLTGNF7hBVa1My4%3D&reserved=0" target="_blank">c</a> </p> <p><strong>YMCA of Northern Colorado has also opened its doors as a Red Cross Shelter with "tons of water, supplies, toiletries, towels, food, etc, at our YMCA at <a href="https://www.google.com/maps/search/2800+Dagny+Way?entry=gmail&source=g">2800 Dagny Way</a> in Lafayette."</strong> </p> <p><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-wyZPRDnUFPxdhX0BBzr1BI99XCYujHWN5LL4AqMosl8UwA-VareCIoxaAS0yTaP04Cd4kJeHRwzVmxgnRgCCoVluPRK0Qegax0NvxIZyZINef_a3V44xsA%3D%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=DrTc92S3jZ8x0TWOxEeBYWJNvvFn2eRxYtyYFTiIkr8%3D&reserved=0" target="_blank">https://www.facebook.com/ymcaofnortherncolorado</a> </p> <p><strong>If you need assistance with pets, horses, and livestock you can connect on Facebook with: </strong> </p> <p><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-sYXRTILxdmUELL48VKK2OeAVCXeA4T0f6gd1z8DMd-rkt6F5JNcn9WWTr5z5zpFAhCH-7SwHuQZ5_dPaI5ceK6ZJJXnnaSqxFkk5UKWlX2illrCI_K0jCkqiqBOEGX8Rfj0vHKKt06h22_vmH3ucC2lR1SySPOyLePpZML-ZLA2jyQFOIjw5-ESzUQncNgfWHJq6kKSnSDVMcQ7IoOPgOryaIIFCg1WNgPb2NkyY74LGbGA00y3WdFx8gnRSlIyWXQH9JztA6AoGAB1OCcc59yPXjgPjkS0zMN5YIjFqXEAY8bkKZ89XPlYx4EvrR7wuge2rAyMm2yk%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=uxkE7f5J99Tw4FRWEc%2BcVIHZax3bPlES7adNNPbiefw%3D&reserved=0" target="_blank">Boulder County Fire Lost & Found Pets</a> and <a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-QwcuntL11ANjU0zh-EM40aSLKDlu65FotfP2CALxDPekePi8jtFZQuqVpovAAAsY9UUova7XaIo10Y10TWbrxidYpvS27wEaYc1CwTZfnzyeQBwfPbcjS7lYgaxGFa_lxXS3xrhi20-zoTxak_6bs7f_qcKem5ZneUqWDxoAxzuSSVsxgvTp-J1z0W4sk5sTFhZ4spR_TyjEowWi_4D9-zvFfbS-Y_wSMjOSrzpdEswpEee3pp_aJ8W9vIRauGIFh3fsp--hFYDYiZ6-FJQXLESDf5dHe0nJbbKMQPxc4TqFkh0MEA9Jxwf8eL0bou5mC4baum9IG7E%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=DyW1DP1wO45%2BCisfeqcP9%2FwT6Qcb%2Fa4jHWFMvaBwn%2Fg%3D&reserved=0" target="_blank">Horse Evacuation Boulder Fort Collins Fire</a>. </p> <p><strong>If you need mental health support, please reach out to:</strong> </p> <p>JFS Boulder County Crisis Fund: <a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-eexXFFAb28ud0Jc0lwbJzLErpA6GvlnhGztKREN9WG9DuJ3Q6B8Ra7gmbyRNt5psp07EPlVKH-wOtV7yTUmJN_WjRUD0mUCz_TK5IFqAA4c%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=SHpDyu9VjR4U4IEyl%2BYktZihmb3R4qO62yBqeQIoZos%3D&reserved=0" target="_blank">https://www.jewishfamilyservice.org/bcc</a> </p> <p>Colorado Crisis Services: <a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-LbfXI18ARjy9uns2RaWwRiaYjLopML3LpYEF-zPriDe76AACBnzVv5tsp7GeSCVy9sjb3n6pDGeeqQ4N4raLTaickvlE-Ya8I79JV8RcFm36zTQ7cehitk5SvtLOG4cor-CGC4H15pLVeesUVGDfZXkWxjAyfYVjCv2mntVXNaIIQAllNzeqB23x_awbhFBoG4YK1fQ4O06Ut03Di70HzA2N51zwufM-3kxI-mC7yGFFAL3jdI41DC2K8XrLZPhA46c4KT9k-lZMM_eoOCa_rxKdHvcj1fZK9p-EokXOho1I1M3Aq772-hU5nwzL5lrLQheCsrpXHxX0bdBuO9Cy-aQbCaBZDuarNnuITBJ7JtQme6WILXTqbzwo11N_e4GqdSFsm6Mna99W4jnVp_Wm0I9PIU2kvVi9Mw-SBBip-RyLM5CGifAK4bZ8xshIACpuSuIpvx5OmZIEmCkXexEcZLRnukhlKN61cmQ683OKrJBg3xc5usQQcR_OibEK2GnXFQtEfpeDvzT9BIUQH9DECzVDghtFBHb--e4BKAeatkz1azAJga9zJPvo8m-lZbVRo2jIIU8cad_Z-aMdh1AWg6eJDieL9zsbyJbGg8JDzcXpDMmoV6Sq1ca5f5-wYnCJw2OdrLVu5FEl5vMHQaW9ym4wpRvg2KTCxM7_snmiO34Qs-ES7k3gdL2ZiIV9JfNKTCceiXRTVeoCbVuBBuhQPV-09TTLDgBi7nwwIRB9JBuQXDxo2DJV9VyP6JSdw828%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=l2%2FFfvHCQKAu%2FIesRybJf3J0mzQhm8mFDpcy9bZTMIg%3D&reserved=0" target="_blank">coloradocrisisservices.org/home-alt/</a> or 1-844-493-8255 or Text "TALK" to 38255. </p> <p>Mental Health Partners: <a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-mDDZDhzKyYcym29swFj-Cpzg4z27Xj7wcXNPqDMZKvhBoVx4sPndobfX93URSj64exemAEFh4ewaWlAQ3cjw8KPNguEU1MwDb24j5tJLDxeQ58UGy_MwoKnwGNaNIWF7NGasD0xD8noW64YuprF_otDAAK2IMsHkPkTbpRU31gvQmwrUFYkFhwfdkmF0npMgwaR73ea3FLvSwPFSTavGmRe605gBh1-YlQx5u9T6GYWzmJLLsN6-xrB62jyQgUbEsGhh2t2VqWPjaxCxQDR_IJGpnJ52vSWordY5yksunyhxrYGAHYeG76wA1q8u95RrfCZCIGwbQpdUksuljTFnkj0Ig1Zm01oOhyrmMoqEV54H4G3hSef6sImHmpOIAOWWIf2XdHKosUKWvm2zvWRJ8CO0UtmNMd81ihM9OBA6I5_ngx_67xGvSB91fXzizLR583CYKV0S7KoaCsNCENYiBEmwmy_J9laW-7FBFDAt-3YbGHse9ZtZWFzg5VFUEeGpUXHAdh0-ZsHHBqTmY2A9Gqwk8Y_bfmGFFv3ZD0yz4WfUGtVbG-UeBX3I8vYzJk3Y3Wa8etP7qn2NVsUzUShO4W6G81Gt_g58iKgeOTCYEAEqQpKqwTaStX3HbzbIatYE2N5Yo4h0ask7gFdbiLzHByWcCmJ7XWJnnOdhuW53bjtuW3_afCUH1yV_Kr6DCRh-pYK5PvMn5OIot6b70s3Btt4U0hOpK0mzVuchVNI5W8Y%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=ZQhCYaQOTHFT2o7aKnPHw7wyO5%2F3eggXdZp6oP3M9n0%3D&reserved=0" target="_blank">mhpcolorado.org/mental-health/</a> or 303-443-8500.</p> <p><strong>If you would like to volunteer:</strong> </p> <p><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-dhT_7qtflUmTiiAYTXty0oMoJUaQZR7ObE9imWfYGAD74D-MIdNTsgbqcTLUIGbeAZFJ5BY9ZwwjNre6UWrojaGK7CqP-8zK_jirPTo80QA%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=rHjce0ms6rHw91OTxX2vj5a2UuY2JyN1kCqxbOlGMHQ%3D&reserved=0" target="_blank">https://coloradoresponds.communityos.org/</a> </p> <p><strong>If you would like to host displaced people:</strong> </p> <p><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-9QPiM0zCT74i1iZ3fF2eSDwvHhwgdKovRnLGXkqd_wuaERmgJdLuOA1dlPin_KuDfJ_MWut2MjMap3KTVyZHRsnzgHfYhQow0G4XmXdhlxb8CrLlgzG1xA%3D%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=n95BKcV%2FEG30C75AUfAtj0GNVdA0QQdqj5xC2kvx5O4%3D&reserved=0" target="_blank">h</a><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-9QPiM0zCT74i1iZ3fF2eSDwvHhwgdKovRnLGXkqd_wuaERmgJdLuOA1dlPin_KuDfJ_MWut2MjMap3KTVyZHRsnzgHfYhQow0G4XmXdhlxb8CrLlgzG1xA%3D%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=n95BKcV%2FEG30C75AUfAtj0GNVdA0QQdqj5xC2kvx5O4%3D&reserved=0" target="_blank">ttps://www.airbnb.com/for-airbnb-org/how-to-host</a> </p> <p><strong>If you are interested in donating clothing and supplies, </strong><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001o5OuTXEiFtNoG-vYTWgy9o6uLgzTk7ulQj0V9H_lBigGkK0eh3NNZEdiEXkHuVm-wyZPRDnUFPxdhX0BBzr1BI99XCYujHWN5LL4AqMosl8UwA-VareCIoxaAS0yTaP04Cd4kJeHRwzVmxgnRgCCoVluPRK0Qegax0NvxIZyZINef_a3V44xsA%3D%3D%26c%3DkL6TFqaSOjZ94UNf_eO6KZ8WBYN5IoJ74MMHC42VASs3CgjfJUpy_A%3D%3D%26ch%3Deokz4nu7Wbn4nxMumQ9v_Ujun0wzR0W2noug_pHLAZPqGZN_VzjlMA%3D%3D&data=04%7C01%7CKelschK%40boulderlibrary.org%7C4277914efec64b15af1b08d9cef78534%7C0a7f94bb40af4edcafad2c1af27bc0f3%7C0%7C0%7C637768384751753749%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=DrTc92S3jZ8x0TWOxEeBYWJNvvFn2eRxYtyYFTiIkr8%3D&reserved=0" target="_blank"><strong>please coordinate with the YMCA of Northern Colorado</strong></a>, although at this time they have been overwhelmed with supplies and say "Because of your generosity, we have no need for supplies, volunteers or food donations. As needs arise, we will post here. Thank you for continuing to step up for your neighbors in need." </p> <p>We will continue to work closely with our government and nonprofit partners to support the needs of the community as they emerge. We want to thank everyone for your support and generosity in this difficult moment for Boulder County. </p> <p>Warmly, </p> <p>Tatiana Hernandez</p> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <p> </p> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td width="100%" style="border-top-width:1px;border-top-color:#ddd;border-top-style:solid;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:10px;padding:15px 30px;background-color:#f2f2f2"> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:14px;color:#404040"> <tbody> <tr> <td width="33%" style="font-size:10px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif"> © Count Me In<br>City of Boulder </td> <td align="center"> <a href="https://CountMeIn.BoulderColorado.gov" target="_blank"><img src="https://offerodocs.azureedge.net/city-of-boulder/city-of-boulder-footer.png" alt="City of Boulder" height="75px" width="200px"></a> </td> <td width="33%" style="text-align:right;font-size:10px;font-weight:400;font-family:Helvetica Neue,Helvetica,Arial,sans-serif" align="right"> <a href="https://CountMeIn.BoulderColorado.gov" style="color:#404040!important;text-decoration:none!important;border:0" target="_blank">https://CountMeIn.BoulderColorado.gov</a> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> <div style="max-width:650px;margin:0 auto;padding:10px 0;text-align:center;font-size:10px;color:#999" align="center"> <p style="font-family:Helvetica Neue,Helvetica,Arial,sans-serif"><br></p> </div> </div> </div> <br><br clear="all"> <div><br></div> </div><img width="1px" height="1px" alt="" src="http://email.mail.offero.com/o/eJxFkE1rhDAQhn-N3pR8qFkPHnbdHgr9gJb2WibJ6AZMpsRY2P76qqXby8BM5n14JjQMGKlf5kT-DAm6TJ0yIdCDm15piQbXLpPHtb7NGI_G0BLS3fb8iPMMI76gcZ8OQ9oWRf8Xvo3v7Y1gW6OQi6aAhg1FpUAVoJqm4NZqwYHXSsONQnGE4L4hOQpnWpHhCfy_ze7h0YVS0zJZjIYmimCpHOlr21Ln3HZMImO56wQTgnEmhZSVFCXCYLkyNZeV4fygsoptziXtv1Ea8vmla7W2dcNFa0UNrYBKqlZbJcVhDbGhzmNHFqfJUAgOV8S4M7Zw6nqXrs_D6Vdt7d9pWn0RY0_eL8GZ_a6PB6cjxOsPgG19HQ"></div></div>-- <br><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div style="font-size:13px"><div style="font-size:13px">Cheers,</div><div style="font-size:13px">Connie O'Dell</div><div style="font-size:13px"><a href="mailto:odellconnie@gmail.com" style="color:rgb(17,85,204)" target="_blank">odellconnie@gmail.com</a></div><div style="font-size:13px"><a value="+17202604442" style="color:rgb(17,85,204)">720-260-4442</a></div></div><br></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com2tag:blogger.com,1999:blog-1895845305357009872.post-38319905727886625502021-12-13T15:53:00.000-08:002021-12-13T15:54:16.148-08:00How can I avoid getting a ticket, thanks to The Simple Dollar !<div dir="ltr"><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div style="font-size:13px"><div style="font-size:13px"><h2 style="color:rgb(0,0,0);font-family:Georgia,Helvetica,Arial,sans-serif"><span style="font-size:13px;font-weight:400">I've gotten tickets, but I've never tried most of these ideas, other than going to court, might be interesting to try some of the others if it happens again... It would have kept my insurance costs down at times!</span><br></h2><h2 style="color:rgb(0,0,0);font-family:Georgia,Helvetica,Arial,sans-serif">How can I avoid getting a ticket?</h2><p style="color:rgb(0,0,0);font-family:Georgia,Helvetica,Arial,sans-serif">As you can see, <a href="https://www.thesimpledollar.com/insurance/auto/car-insurance-tickets/" target="_blank">citations and tickets can cost more</a> than just the assessed fine, it becomes that much more important to try your best to avoid getting a ticket. If you are pulled over or given a ticket by a police officer, you may have options to keep that ticket off of your driving record.</p><ul style="color:rgb(0,0,0);font-family:Georgia,Helvetica,Arial,sans-serif"><li style="margin-left:15px"><strong>Defensive driving class:</strong> Some states allow drivers a one-time option (or limited by several years) to take a defensive driving class to get certain tickets dismissed. When this happens, the ticket stays off your driving record upon successful completion of the class.</li><li style="margin-left:15px"><strong>Contest the ticket in court:</strong> If you don't believe you're guilty of the offense, you can always contest the ticket in court. You'll go before a judge and get to share your side of the story. In many states, the ticket might even be thrown out if the issuing police officer doesn't show up to court. If you don't contest the ticket, you will be guilty of the offense and it will go on your driving record (and be reported to your insurance company).</li><li style="margin-left:15px"><strong>Request a defer</strong><strong>al: </strong>Some jurisdictions allow drivers who haven't had a ticket in a while to request a deferral. What this does is "put the ticket on hold" for some time. If you don't get another ticket in that period, the ticket doesn't hit your record. However, if you do get another ticket during the deferral period, you'll see both tickets hit your record.</li><li style="margin-left:15px"><strong>Safe driving tools:</strong> Many insurance companies have safe driving tools that you can install in your car to track your driving habits. While this won't do anything to force you to obey the laws, it may entice you to follow the rules of the road. When these devices record you being a better driver, your rates go down. With an extra financial incentive tied to driving better, you may be more prone to follow the rules.</li></ul></div></div></div></div></div><div class="gmail_quote"><div dir="ltr" class="gmail_attr">---------- Forwarded message ---------<br><br></div><u></u> <div> <div id="m_-3398798886932527094emailbody" style="margin:0 2em;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000"> <table style="border:0;padding:0;margin:0;width:100%"> <tbody><tr> <td style="vertical-align:top" width="99%"> <h1 style="margin:0;padding-bottom:6px"> <a style="color:#888;font-size:22px;font-family:Arial,Helvetica,sans-serif;font-weight:normal;text-decoration:none" href="https://www.thesimpledollar.com" title="(https://www.thesimpledollar.com)" target="_blank">The Simple Dollar: "What Is a Citation vs. a Ticket?" plus 8 more</a> </h1> </td> <td width="1%"></td> </tr> </tbody></table> <hr style="border:1px solid #ccc;padding:0;margin:0"> <ul style="clear:both;padding:0 0 0 1.2em;width:100%" id="m_-3398798886932527094summarylist"> <li> <a href="#m_-3398798886932527094_1">What Is a Citation vs. a Ticket?</a> </li> <li> <a href="#m_-3398798886932527094_2">What You Need to Know About FAFSA Requirements</a> </li> <li> <a href="#m_-3398798886932527094_3">How to Prepare Your Home When Diagnosed With Parkinson's Disease</a> </li> <li> <a href="#m_-3398798886932527094_4">Here Is What To Do If You Run Out of Unemployment Benefits</a> </li> <li> <a href="#m_-3398798886932527094_5">Documents Required for a Personal Loan</a> </li> <li> <a href="#m_-3398798886932527094_6">Here's How to Deal With Holiday Debt</a> </li> <li> <a href="#m_-3398798886932527094_7">Black Friday Will Look Different This Year — Here's How to Save</a> </li> <li> <a href="#m_-3398798886932527094_8">The Best Cars to Buy for Teen Drivers</a> </li> <li> <a href="#m_-3398798886932527094_9">Lemonade Renters Insurance Review</a> </li> </ul> <table id="m_-3398798886932527094itemcontentlist"> <tbody><tr> <td style="margin-bottom:0;line-height:1.4em"> <p style="margin:1em 0 3px 0"> <a name="m_-3398798886932527094_1" style="font-family:Arial,Helvetica,sans-serif;font-size:18px" href="http://feedproxy.google.com/~r/thesimpledollar/~3/RvX8dxoVnp8/?utm_source=feedburner&utm_medium=email" target="_blank">What Is a Citation vs. a Ticket?</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px"> <span>Posted:</span> 20 Nov 2020 04:00 PM PST</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000"><p>A popular question you often hear from new drivers and also some seasoned road warriors is 'what's the difference between a citation vs. a ticket?'. Additionally, besides just wondering 'what is a ticket?' and 'what is a citation?', you may be wondering how these may affect your car insurance and your driving record. While the exact answers to some of these questions may vary slightly by where you live, the general concepts are the same across the board.</p> <h2>Is there a difference between a citation and a ticket?</h2> <p>The answer is that a citation and a ticket are the same thing. These are two terms that both refer to getting cited or ticketed for a driving infraction. So, if you get pulled over for speeding and a police officer documents your infraction, you could interchangeably say you received a ticket, or that you received a citation.</p> <p>Not only are the two terms interchangeable with law enforcement, but the terms mean the same thing with insurance companies. <a href="https://www.thesimpledollar.com/insurance/auto/best-car-insurance-companies/" target="_blank">Car insurance companies</a> use your driving record to help determine your rate. Whether your infraction is called a citation or a ticket, it affects your rates the same.</p> <h2>What are the most common citations?</h2> <p>Citations come in all shapes and sizes for varying levels of infractions. On one end, you have warnings or "fix-it" tickets, where you either receive no penalty or you receive no penalty as long as you show proof that you fixed the deficiency by a certain date. On the other end, you have moving violations that may even carry criminal punishments.</p> <p>While data for the most common citations is not readily made public, data for the number of fatalities caused by certain citable infractions is available. Arguably, this information is more important as it identifies the most common violations that result in deaths.</p> <ul> <li>In 2018, <a href="https://www.iihs.org/topics/fatality-statistics/detail/yearly-snapshot#seat-belt-use" rel="noopener noreferrer nofollow" target="_blank">43% of drivers killed in car accidents were not wearing a seat belt</a>. That number increases to 45% for passengers killed in car accidents in the same year. Driving without a seat belt is an infraction in most states.</li> <li>In 2018, <a href="https://www.iihs.org/topics/fatality-statistics/detail/yearly-snapshot#speeding" rel="noopener noreferrer" target="_blank">26% of driving fatalities were speeding-related</a>. Speeding tickets are one of the most common infractions you can receive a ticket or citation for.</li> <li><a href="https://www.iihs.org/topics/fatality-statistics/detail/yearly-snapshot#distraction" rel="noopener noreferrer nofollow" target="_blank">2,690 traffic-related deaths were caused by distracted driving</a> in 2018. Many states have enacted laws against using cell phones while driving and other forms of distracted driving.</li> <li>According to the National Highway Traffic Safety Association, nearly <a href="https://www.nhtsa.gov/risky-driving/drunk-driving" rel="noopener noreferrer nofollow" target="_blank">30 people die every day</a> in the U.S. due to drunk driving. This infraction can have a <a href="https://www.thesimpledollar.com/insurance/auto/dui-car-insurance/" target="_blank">dramatic effect on your car insurance rates</a> and may also carry criminal penalties.</li> </ul> <h2>How can a ticket or a citation impact my car insurance?</h2> <p>Your <a href="https://www.thesimpledollar.com/insurance/auto/how-much-does-car-insurance-cost/" target="_blank">car insurance rate is dictated by many different factors</a> — some within your control and some out of your control. One of the biggest contributing factors within your control is your driving record over the past 3-5 years. Insurance companies use internal point systems and algorithms to determine how each type of infraction affects your car insurance rate.</p> <p>Generally, these algorithms are tied to data and metrics that relate to the costs to the insurer associated with each infraction. Be aware that certain insurance companies might not weigh different infractions the same way your state does. Just because a ticket doesn't cost you much with the state or get you points with its system, it <a href="https://www.thesimpledollar.com/insurance/blog/how-much-will-that-ticket-cost-you/" target="_blank">might cost you a lot with your insurance rates</a>.</p> <h2>How can I avoid getting a ticket?</h2> <p>As you can see, <a href="https://www.thesimpledollar.com/insurance/auto/car-insurance-tickets/" target="_blank">citations and tickets can cost more</a> than just the assessed fine, it becomes that much more important to try your best to avoid getting a ticket. If you are pulled over or given a ticket by a police officer, you may have options to keep that ticket off of your driving record.</p> <ul> <li><strong>Defensive driving class:</strong> Some states allow drivers a one-time option (or limited by several years) to take a defensive driving class to get certain tickets dismissed. When this happens, the ticket stays off your driving record upon successful completion of the class.</li> <li><strong>Contest the ticket in court:</strong> If you don't believe you're guilty of the offense, you can always contest the ticket in court. You'll go before a judge and get to share your side of the story. In many states, the ticket might even be thrown out if the issuing police officer doesn't show up to court. If you don't contest the ticket, you will be guilty of the offense and it will go on your driving record (and be reported to your insurance company).</li> <li><strong>Request a defer</strong><strong>al: </strong>Some jurisdictions allow drivers who haven't had a ticket in a while to request a deferral. What this does is "put the ticket on hold" for some time. If you don't get another ticket in that period, the ticket doesn't hit your record. However, if you do get another ticket during the deferral period, you'll see both tickets hit your record.</li> <li><strong>Safe driving tools:</strong> Many insurance companies have safe driving tools that you can install in your car to track your driving habits. While this won't do anything to force you to obey the laws, it may entice you to follow the rules of the road. When these devices record you being a better driver, your rates go down. With an extra financial incentive tied to driving better, you may be more prone to follow the rules.</li> </ul> <h2>Tips for safe driving</h2> <p>The best way to avoid getting a ticket is to obey the law and practice safe driving techniques. By knowing and employing some simple best practices, you can alleviate the risk of a ticket completely from your life.</p> <ol> <li>Don't speed.</li> <li>Follow all posted traffic signs.</li> <li>Understand all traffic laws and research any laws you're unsure about.</li> <li>Don't tailgate or follow other cars too closely.</li> <li>Always drive defensively.</li> <li>Always look before changing lanes.</li> <li>Get in the right lane for upcoming turns as early as possible.</li> <li>Use your blinker.</li> <li>Never drink and drive.</li> <li>Expect the unexpected.</li> <li>Wear your seat belt.</li> <li>Adjust your mirrors properly before driving.</li> <li>Ensure your seat is set the correct distance from your airbag.</li> <li>Always check your equipment before driving (tires, blinkers, mirrors, etc.).</li> </ol> <h2>Too long, didn't read?</h2> <p>Tickets and citations are effectively the same thing. Both terms can be used interchangeably in all fields, including by police officers and insurance companies. You must understand the effects tickets can have on your insurance and the best ways to avoid getting cited for an infraction.</p> <h2>Keep reading</h2> <ul> <li><a href="https://www.thesimpledollar.com/loans/auto/how-to-trade-in-your-car/" target="_blank">How to Trade in Your Car in 5 Easy Steps</a></li> <li><a href="https://www.thesimpledollar.com/insurance/auto/9-things-you-didn%27t-know-about-car-insurance" target="_blank">9 Things You Didn't Know About Car Insurance (But Should)</a></li> <li><a href="https://www.thesimpledollar.com/loans/auto/simple-steps-to-sell-your-car/" target="_blank">6 Simple Steps to Sell Your Car</a></li> </ul> <p>The post <a rel="nofollow" href="https://www.thesimpledollar.com/insurance/auto/what-is-a-citation-vs-a-ticket/" target="_blank">What Is a Citation vs. a Ticket?</a> appeared first on <a rel="nofollow" href="https://www.thesimpledollar.com" target="_blank">The Simple Dollar</a>.</p> <div> <a 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Parkinson's Disease</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px"> <span>Posted:</span> 20 Nov 2020 09:58 AM PST</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000"><p>The post <a rel="nofollow" href="https://www.thesimpledollar.com/insurance/home/how-to-prepare-your-home-when-diagnosed-with-parkinsons-disease" target="_blank">How to Prepare Your Home When Diagnosed With Parkinson's Disease</a> appeared first on <a rel="nofollow" href="https://www.thesimpledollar.com" target="_blank">The Simple Dollar</a>.</p> <div> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=anMrz50uc2s:yR-WcB8CFLs:yIl2AUoC8zA" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=yIl2AUoC8zA" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=anMrz50uc2s:yR-WcB8CFLs:F7zBnMyn0Lo" 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style="margin:1em 0 3px 0"> <a name="m_-3398798886932527094_4" style="font-family:Arial,Helvetica,sans-serif;font-size:18px" href="http://feedproxy.google.com/~r/thesimpledollar/~3/GfK6phTArMw/?utm_source=feedburner&utm_medium=email" target="_blank">Here Is What To Do If You Run Out of Unemployment Benefits</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px"> <span>Posted:</span> 20 Nov 2020 06:03 AM PST</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000"><p>The post <a rel="nofollow" href="https://www.thesimpledollar.com/financial-wellness/news/here-is-what-to-do-if-you-run-out-of-unemployment-benefits/" target="_blank">Here Is What To Do If You Run Out of Unemployment Benefits</a> appeared first on <a rel="nofollow" href="https://www.thesimpledollar.com" target="_blank">The Simple Dollar</a>.</p> <div> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=GfK6phTArMw:WPGM666nD7w:yIl2AUoC8zA" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=yIl2AUoC8zA" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=GfK6phTArMw:WPGM666nD7w:F7zBnMyn0Lo" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=GfK6phTArMw:WPGM666nD7w:F7zBnMyn0Lo" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=GfK6phTArMw:WPGM666nD7w:gIN9vFwOqvQ" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=GfK6phTArMw:WPGM666nD7w:gIN9vFwOqvQ" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=GfK6phTArMw:WPGM666nD7w:V_sGLiPBpWU" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=GfK6phTArMw:WPGM666nD7w:V_sGLiPBpWU" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=GfK6phTArMw:WPGM666nD7w:I9og5sOYxJI" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=I9og5sOYxJI" border="0"></a> </div><img src="http://feeds.feedburner.com/~r/thesimpledollar/~4/GfK6phTArMw?utm_source=feedburner&utm_medium=email" height="1" width="1" alt=""></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em"> <p style="margin:1em 0 3px 0"> <a name="m_-3398798886932527094_5" style="font-family:Arial,Helvetica,sans-serif;font-size:18px" href="http://feedproxy.google.com/~r/thesimpledollar/~3/erRUy0cQ-jk/?utm_source=feedburner&utm_medium=email" target="_blank">Documents Required for a Personal Loan</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px"> <span>Posted:</span> 20 Nov 2020 06:00 AM PST</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000"><p>The post <a rel="nofollow" href="https://www.thesimpledollar.com/loans/personal/documents-required-for-a-personal-loan/" target="_blank">Documents Required for a Personal Loan</a> appeared first on <a rel="nofollow" href="https://www.thesimpledollar.com" target="_blank">The Simple Dollar</a>.</p> <div> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=erRUy0cQ-jk:oBDiDHtrrdA:yIl2AUoC8zA" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=yIl2AUoC8zA" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=erRUy0cQ-jk:oBDiDHtrrdA:F7zBnMyn0Lo" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=erRUy0cQ-jk:oBDiDHtrrdA:F7zBnMyn0Lo" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=erRUy0cQ-jk:oBDiDHtrrdA:gIN9vFwOqvQ" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=erRUy0cQ-jk:oBDiDHtrrdA:gIN9vFwOqvQ" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=erRUy0cQ-jk:oBDiDHtrrdA:V_sGLiPBpWU" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=erRUy0cQ-jk:oBDiDHtrrdA:V_sGLiPBpWU" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=erRUy0cQ-jk:oBDiDHtrrdA:I9og5sOYxJI" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=I9og5sOYxJI" border="0"></a> </div><img src="http://feeds.feedburner.com/~r/thesimpledollar/~4/erRUy0cQ-jk?utm_source=feedburner&utm_medium=email" height="1" width="1" alt=""></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em"> <p style="margin:1em 0 3px 0"> <a name="m_-3398798886932527094_6" style="font-family:Arial,Helvetica,sans-serif;font-size:18px" href="http://feedproxy.google.com/~r/thesimpledollar/~3/fZwwm72xofs/?utm_source=feedburner&utm_medium=email" target="_blank">Here's How to Deal With Holiday Debt</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px"> <span>Posted:</span> 20 Nov 2020 06:00 AM PST</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000"><p>Several years ago, when I was living a lifestyle that was at least partially funded by credit card debt, I absolutely <em>hated</em> the middle of January.</p> <p>Every single December, I would overspend. I'd buy expensive gifts for everyone on my list. Sarah and I would buy a pile of gifts for each other. We'd eat a <em>lot</em> of expensive foods. We'd travel. We'd decorate. We'd have "shopping days" where we'd also stop at coffee shops, go out for lunch, and usually end with an expensive supper.</p> <p>It felt fun at the time, but by early January, it had faded. Then, mid-January would hit and the bills would start rolling in and it felt <em>awful</em>.</p> <p>The debt hole we were in was deeper than ever.</p> <p>In fact, the last year that we were in such deep debt, just before we committed to a turnaround, was particularly awful. I have a strong memory of a snowy day where I was sitting in my vehicle after coming home from work with my infant son in the back in a car seat. It was snowy and I was sitting there parked near our apartment, idling and not wanting to go get the mail, go inside or face any of it.</p> <p>Of course, it doesn't help that this is right in the middle of winter, where many people in the northern hemisphere are dealing with at least a bit of seasonal affective disorder.</p> <p>If you're feeling overwhelmed with post-holiday debt, most likely perched atop a lot of other debt — student loan debt, car loan debt, mortgage debt or other credit card debt — trust me: <strong>there is hope and <a href="https://www.thesimpledollar.com/credit/manage-debt/the-first-step-towards-getting-out-of-debt/" target="_blank">there is a plan</a>. Not only can you get out of this situation, you can create a situation where it doesn't repeat itself <em>without feeling miserable about your life</em>.</strong></p> <p>By the very next holiday season, Sarah and I were almost free from <a href="https://www.thesimpledollar.com/credit-cards/why-we-pay-our-credit-card-bills-more-than-once-per-month/" target="_blank">credit card debt</a>. We kept our spending pretty well in check and managed to not accumulate a single dollar in additional credit card debt that season — or any season after that. By the holiday season after that, we were free of debt aside from our mortgage. Four years later, we paid off our mortgage, too. It wasn't miserable or sad or lonely, either.</p> <p>You can do this. You can dig yourself out of this hole. Here's how.</p> <h3>Figure out where your wasteful spending is and cut it out.</h3> <p>Sit down with all of your credit card bills and bank statements that you can find from the last few months and a highlighter. It's time to reveal some truths about your spending.</p> <p>Go through each and every line item on those statements and, for each one, ask yourself a simple question. "Did this spending bring any lasting value into my life?" Be honest about that question. Do you even remember that expense? If you do, did it really bring anything into your life beyond an immediate and quickly-fading burst of pleasure?</p> <p>If it <em>didn't</em> bring any lasting pleasure into your life, highlight it and keep moving.</p> <p>You should also include things where you actually needed a cheap version of the item but you bought a more expensive version for no real reason. "I was hungry!" doesn't justify a $40 restaurant meal, for example.</p> <p>When you're done, go back and <strong>look at every single highlighted item.</strong> Look at how much you spent on things that really don't matter at all. That stuff needs to go.</p> <p><strong>It's fine to spend money on things that actually matter to you in some lasting fashion, but the truth is that a lot of spending <em>doesn't</em> matter in any lasting fashion.</strong> It's that stuff that doesn't last, the stuff you can barely remember, that you have to learn to cut out. <strong>You don't cut the meaningful stuff; you cut the stuff that doesn't mean anything.</strong></p> <p>One big thing to look for is <strong>patterns</strong>. Where are the places where you're repeatedly spending money on forgettable things? Do you make a lot of forgettable Amazon purchases? Do you have an astonishingly large number of coffee shop expenses? Those are the expenses to really target.</p> <p>In my situation, I discovered that there were several rather meaningless routines that I was following that were simply sucking the money right out of my pocket. For me, the big one was the local convenience store that I would almost automatically stop at on my way home from work. I'd usually grab a beverage and a snack, spending $5 or $6 on something that could have cost $1 if I'd just waited until I got home.</p> <p>Thus, one big change I made was to simply have a few of my favorite snacks at home, bought cheaply and in bulk, so that I wasn't tempted to stop at the convenience store. Before long, I actually cut out the snack itself — it wasn't doing my health any good — and so I wasn't spending <em>anything</em>. I moved from dropping $6 at a convenience store about 15 days a month to maybe eating $2 worth of bananas as snacks after work, and I completely didn't miss the difference.</p> <p>Another switch I made was to <strong>simply start buying everything in store-brand form.</strong> I basically tried the store brand version of every product I could at the store. If it didn't click with me, no big deal; I'd get the name brand version the next time. Guess what? Today, I buy almost nothing name brand if there's a store brand available.</p> <p>Remember, <strong>you're looking for the forgettable, unimportant expenses, not the stuff that matters deeply to you.</strong> Does it matter if you're buying store brand detergent if your clothes get clean? Is your life permanently made better by buying coffee from a coffee shop instead of getting it at home?</p> <p><strong>Take those forgettable expenses and intentionally adopt new habits that cut them out.</strong> Alter your commute so you don't stop for a goodie. Delete your credit card info from Amazon. If you're altering a behavior or adopting a new one, make it a point to remind yourself of that change at least once a day — phone reminders are a good way to do that.</p> <p>Another simple step to take along these lines is to nudge down your energy use. Here are <a href="https://www.thesimpledollar.com/save-money/14-simple-ways-to-reduce-your-energy-bills/" target="_blank">14 ways to drop your energy use any time of the year</a>, <a href="https://www.thesimpledollar.com/save-money/20-money-saving-tactics-for-winter/" target="_blank">20 more winter-specific energy strategies</a>, and <a href="https://www.thesimpledollar.com/save-money/seveteen-strategies-for-cooling-off-on-hot-summer-days-without-breaking-the-bank/" target="_blank">17 more summer-specific techniques</a>. These steps cut your energy bill without doing anything negative toward your quality of life. It's just a smaller bill in your mailbox.</p> <p>While you're at it, <strong>check all of your other bills line by line and contact the company if there is any line you don't understand or don't want.</strong> Ask to have that charge eliminated or reduced going forward. You'll be surprised how many can be cut, and if you reduce all of your regular bills by 5% or 10% with no difference in service, that's money in your pocket.</p> <p>All of this frees up money that was previously tied to completely wasteful, forgettable spending. That money is going to be your resource for turning the debt around.</p> <h3>Clean out your closets.</h3> <p>While it's nice to reduce your ongoing expenses, it's really powerful to get a big jump start on paying down your debt, and the best way to do that is to clean out your closet.</p> <p>Cleaning out your closet and selling off a lot of excess items that you don't use has the dual benefit of not only generating some quick cash, but also clears out a lot of space in your home. Many homes wind up cluttered in the immediate aftermath of the holidays, and cleaning out your closets can really help.</p> <p>Go through your closets and your collections, identifying items that simply aren't bringing you value. Are you going to use this item at any point in the next year or two, realistically? If not, sell it off.</p> <p>How do you sell those items? There are many ways, depending on the item. If it's a niche hobby item, there may be specialty stores in the area that will help you sell the item secondhand, or you may be able to sell it in online groups related to that hobby. For more general interest items, you can sell items easily on Facebook Marketplace or Craigslist. Clothes in good shape can often be sold at consignment shops.</p> <p>For the most part, you won't get as much out of these items as you paid, but that's not the goal. The goal is to turn something that's just sitting in your closet into cold hard cash that you can then turn into an immediate boost toward your debt repayment goals.</p> <h3>Stop the interest rate bleeding.</h3> <p>Another powerful step you can immediately take is to look for zero interest or low interest <a href="https://www.thesimpledollar.com/credit-cards/balance-transfer/best-balance-transfer-credit-cards/" target="_blank">balance transfer offers</a>. You can then transfer your high-interest credit card debt using these offers and transform it into debt that doesn't accumulate any interest at all (or very little interest) for the next year or so, depending on the offer.</p> <p>Such offers typically require you to sign up for a new credit card. Upon signing up, you give the new credit card company the account information for your old card with a balance and they pay that old balance off. You'll now have a balance with the new card, but that portion of the balance won't accumulate any interest for a while.</p> <p>This is a great idea if you have a plan in place to pay off that balance within a reasonable period of time. However, when the zero-interest period ends, interest rates kick in and they're often at least as high as the rate on your old card, if not higher. So, you need to be paying down that balance even though it's not earning interest right now.</p> <p>Also, cards with a good balance transfer offer often have a poor rewards program, so it's usually not a good idea to use that card for additional purchasing. If you still want to use a card for purchases even as you're trying to pay them off (not the best idea), you probably want to use your old card.</p> <h3>Make a debt repayment plan.</h3> <p>You've taken those steps. You've reduced some interest rates. You've got some money in your pocket from selling things off. You've made some changes to curb your spending. Now it's time to put them all together in a debt repayment plan.</p> <p>Make a list of all of your debts ordered by interest rate with the highest interest loan first. Take the money you've earned by selling things off and make a huge extra payment on the first debt. If that would pay it off, pay down the next debt on the list.</p> <p>After that, aim to make the minimum payment on each debt on that list while making a large extra payment on whichever debt is at the top of the list. When you pay off the debt at the top, cross it off.</p> <p>What you'll notice is that as you pay off each debt, you'll have more money available the next month because you'll have one fewer minimum payment to make. In other words, things will start to go faster and faster as you move down this list.</p> <p>If interest rates change — for example, if you have a zero interest balance transfer offer that ends and it jumps to a much higher rate — reorder that list. If that means there's a new debt with the highest interest rate, start making big extra payments on <em>that</em> debt instead.</p> <h3>Build an <a href="https://www.thesimpledollar.com/banking/blog/no-emergency-fund-save-your-tax-refund-this-year/" target="_blank">emergency fund</a> and make it automatic.</h3> <p>Once you have that debt repayment plan in place, one thing you'll quickly notice is that unexpected expenses can really derail your progress on that plan in a given month. Some months, you'll be able to make a huge extra payment, while in other months it's very hard. Sometimes life hands you lemons.</p> <p>A good approach to have going forward is to build an emergency fund <em>automatically</em> so that when a big emergency hits you don't have to go into debt to handle it. It's pretty easy to do, too.</p> <p>Just go to your bank (or your online banking service) and set up an automatic weekly transfer from your checking to your savings account. Set it at $20 a week, for example, and then just forget about it for a while. If you let that automatic transfer sit for a year, you'll have $1,000 in your <a href="https://www.thesimpledollar.com/save-money/how-much-money-should-i-be-saving-each-month/" target="_blank">savings account</a> that you can tap into for an actual emergency. That can help you repair your car when it doesn't start or take an emergency trip to see an ailing loved one without going right back into debt.</p> <p>My advice? <em>Never</em> turn off that automatic transfer. Just let your emergency fund keep building automatically when things are good so that you have cash in hand when things go bad. This will keep you from building debt when an emergency hits and furthermore, can keep you feeling like you're going in the wrong direction on your debt repayment plan.</p> <h3>Don't stop, even if you make a mistake.</h3> <p>When you first head down this path and see the debt melting away like snow in the early spring, it can feel <em>amazing</em>. Finally, things are headed in a great direction!</p> <p>Then, something unexpected happens. You're hit with an unplanned expense. You slip up and spend a lot of money on unimportant things.</p> <p>Just like that, your debt balance goes <em>up</em> rather than down, and it feels hopeless. You feel like giving up.</p> <p>Don't.</p> <p><strong>The path to paying off debt is not a straight one.</strong> There are setbacks. There are mistakes. You're human — you're going to do something wrong along the way.</p> <p>The key to real lasting success isn't the initial effort or the initial mistake. It's whether, after a mistake, you pick yourself up, dust yourself off, figure out what went wrong and keep moving forward.</p> <p>The key to doing <em>that</em>, in my experience, is to focus on today as the most important aspect of success. It doesn't matter what you did yesterday, even if you messed things up. Tomorrow doesn't matter, either — success might be close or it might be far off, but that doesn't change the fact that <strong>today's success is <em>the</em> piece that matters.</strong></p> <p>Today is the day you decide whether to make bad spending choices or to keep moving forward on your progress. Yesterday's mistakes and successes don't matter, nor does tomorrow. You only have control over today. You only have control over that choice right now.</p> <p>Choose to move forward when it's tough. Choose to say "no" even when it's tempting. Don't put off that decision until tomorrow. Don't coast on the good decisions from yesterday or wallow in pity over the bad ones from yesterday.</p> <p>It's about today. Today is what matters.</p> <h3>Talk to people <em>now</em> about the upcoming holidays.</h3> <p>One final, vital tip in dealing with post-holiday debt is to make sure that it doesn't repeat itself in the upcoming holiday season, and the way to do that is to talk to the people you exchange gifts with to see if there's a better way of doing things.</p> <p>Go through the list of people you bought gifts for and received gifts from and decide whether or not it might make sense to make a change to that gift exchange in the coming year. Maybe it makes sense to just end that gift exchange, or maybe simply to cut back on it. Maybe a big family gift exchange might make more sense as a drawing or a "white elephant" exchange rather than everyone buying for everyone. Maybe you could agree to make homemade gifts rather than buying stuff, which is usually much less expensive (you're spending time rather than money, typically).</p> <p>Talk it over with those folks sooner rather than later. Don't bring it up in October or November, when people may have already budgeted and bought items.</p> <p>A few simple conversations right now, and perhaps reminded in October or November, can keep your budget for the holidays in the coming year much lower than it was this year, which can help keep holiday debt in check.</p> <p>Remember, the thing that matters most during the holidays is quality-focused time spent with people, not the purchasing of expensive gifts.</p> <h3>You can do this.</h3> <p>Holiday debt might feel immense and frustrating right now, but you can do this. You just need to have a plan, make some sensible spending changes, and move forward one day at a time.</p> <p>Before you know it, your holiday debt will be long in the past — and other debt might just be gone as well.</p> <p>Good luck!</p> <p>The post <a rel="nofollow" href="https://www.thesimpledollar.com/financial-wellness/how-to-deal-with-holiday-debt/" target="_blank">Here's How to Deal With Holiday Debt</a> appeared first on <a rel="nofollow" href="https://www.thesimpledollar.com" target="_blank">The Simple Dollar</a>.</p> <div> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=fZwwm72xofs:AURAKGcjidE:yIl2AUoC8zA" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=yIl2AUoC8zA" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=fZwwm72xofs:AURAKGcjidE:F7zBnMyn0Lo" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=fZwwm72xofs:AURAKGcjidE:F7zBnMyn0Lo" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=fZwwm72xofs:AURAKGcjidE:gIN9vFwOqvQ" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=fZwwm72xofs:AURAKGcjidE:gIN9vFwOqvQ" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=fZwwm72xofs:AURAKGcjidE:V_sGLiPBpWU" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=fZwwm72xofs:AURAKGcjidE:V_sGLiPBpWU" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=fZwwm72xofs:AURAKGcjidE:I9og5sOYxJI" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=I9og5sOYxJI" border="0"></a> </div><img src="http://feeds.feedburner.com/~r/thesimpledollar/~4/fZwwm72xofs?utm_source=feedburner&utm_medium=email" height="1" width="1" alt=""></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em"> <p style="margin:1em 0 3px 0"> <a name="m_-3398798886932527094_7" style="font-family:Arial,Helvetica,sans-serif;font-size:18px" href="http://feedproxy.google.com/~r/thesimpledollar/~3/QCphe-i0y5A/?utm_source=feedburner&utm_medium=email" target="_blank">Black Friday Will Look Different This Year — Here's How to Save</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px"> <span>Posted:</span> 20 Nov 2020 05:00 AM PST</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000"><p>As Black Friday approaches, you're probably wondering how to maximize your savings – without camping outside Best Buy for three days or getting into a shoving match with a soccer mom, of course.</p> <p>But the key to saving more than anyone else on Black Friday is simple: Stay home. Buying stuff you don't really need just because it's on sale is not called "saving money" — that's called <em>spending</em> money.</p> <p>If you need a little help fighting off the frenzy, here are 10 free things to do on Black Friday that will truly save you some money and help you you avoid the crowds altogether.</p> <h2>Sleep in.</h2> <p>Your friends are setting their alarm clocks for 2:00 a.m. so they can sleepwalk into the pre-dawn doorbuster sales, but who cares? Turn that sucker off altogether and nurse your turkey hangover.</p> <p></p> <h2>Go to work.</h2> <p>With nobody else at the office, you might actually get some work done for a change, and at least you'll be making money. Be your office hero.</p> <p></p> <h2>Gorge on Thanksgiving leftovers.</h2> <p>No one is home. Now's your chance.</p> <p></p> <h2>Watch Black Friday mayhem on the news.</h2> <p>Why risk being trampled by a sale-hungry mob? Watch the highlights on TV — it's better than being there in person. Trust me.</p> <p></p> <h2>Binge watch TV.</h2> <p>Twenty-four episodes in most TV series' seasons, 24 hours in a day… coincidence? Settle in with a new or favorite show. It's amazing and you know it.</p> <p></p> <h2>Work off those holiday calories.</h2> <p>Losing pounds is better than losing money, so if you must…</p> <p></p> <h2>Decorate for the holidays.</h2> <p>Back before holiday shopping ads began to bleed into early November and then even October, the day after Thanksgiving marked the official start of the Christmas season. You have all day – might as well get the house looking festive if you haven't yet.</p> <p></p> <h2>Enjoy some peace and quiet.</h2> <p>Ignore the chaos outside, and get yourself in the zone.</p> <p></p> <h2>Declutter your home.</h2> <p>Do the opposite of what everyone else is doing and actually get rid of some stuff. Check out our <a title="Decluttering and Your Money" href="http:///decluttering-and-your-money/" target="_blank">tips for decluttering here</a>.</p> <p></p> <h2>Relish in the fact that you spent zero dollars today.</h2> <p>…and laugh at the fact that someone you know waited three hours to save $20 on a flat-screen TV.</p> <p></p> <p><strong><em>Are you planning to shop this Black Friday? If not, what are you doing instead?</em></strong></p> <p>The post <a rel="nofollow" href="https://www.thesimpledollar.com/save-money/how-to-save-money-on-black-friday-stay-home/" target="_blank">Black Friday Will Look Different This Year — Here's How to Save</a> appeared first on <a rel="nofollow" href="https://www.thesimpledollar.com" target="_blank">The Simple Dollar</a>.</p> <div> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=QCphe-i0y5A:OJwnJlF2KVU:yIl2AUoC8zA" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=yIl2AUoC8zA" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=QCphe-i0y5A:OJwnJlF2KVU:F7zBnMyn0Lo" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=QCphe-i0y5A:OJwnJlF2KVU:F7zBnMyn0Lo" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=QCphe-i0y5A:OJwnJlF2KVU:gIN9vFwOqvQ" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=QCphe-i0y5A:OJwnJlF2KVU:gIN9vFwOqvQ" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=QCphe-i0y5A:OJwnJlF2KVU:V_sGLiPBpWU" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=QCphe-i0y5A:OJwnJlF2KVU:V_sGLiPBpWU" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=QCphe-i0y5A:OJwnJlF2KVU:I9og5sOYxJI" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=I9og5sOYxJI" border="0"></a> </div><img src="http://feeds.feedburner.com/~r/thesimpledollar/~4/QCphe-i0y5A?utm_source=feedburner&utm_medium=email" height="1" width="1" alt=""></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em"> <p style="margin:1em 0 3px 0"> <a name="m_-3398798886932527094_8" style="font-family:Arial,Helvetica,sans-serif;font-size:18px" href="http://feedproxy.google.com/~r/thesimpledollar/~3/6gXRtc2tI48/?utm_source=feedburner&utm_medium=email" target="_blank">The Best Cars to Buy for Teen Drivers</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px"> <span>Posted:</span> 20 Nov 2020 04:00 AM PST</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000"><p>When a teenager gets their driver's license, it can be exciting for the teen and nerve-wracking for their parents. Luckily, many of the fears and concerns parents face can be alleviated by choosing the right vehicle. While most parents would prefer their kids to drive around in an impenetrable tank and most teens would prefer a sports car, there is a happy middle ground.</p> <h2>What should a car for a new driver have?</h2> <p>Picking out good cars for teens can be a little tricky when trying to juggle affordability, safety and style. Thankfully, many car providers understand the struggle and have created some of the best cars for teenagers. These cars will have:</p> <ul> <li><strong>High safety ratings:</strong> You can't go wrong when you start your search with a look at the safest cars for teens. Each of the vehicles listed here received high marks in safety tests from the <a href="https://www.iihs.org/ratings/safe-vehicles-for-teens" rel="noopener noreferrer nofollow" target="_blank">Insurance Institute for Highway Safety (IIHS)</a>. Additionally, any cars rated by <a href="https://www.nhtsa.gov/about-nhtsa" rel="noopener noreferrer nofollow" target="_blank">the National Highway Traffic Safety Administration</a> received a four out of five or five out of five-star rating.</li> <li><strong>Affordability:</strong> While there's nothing wrong with buying your teenage driver a new car, we focused on getting affordable style and safety with good used cars. Affordability is especially important if your teen is making the purchase themselves.</li> <li><strong>Some style:</strong> With a little due diligence, you can find good cars for teens that are safe, affordable and earn a checkmark in the style department. While some new drivers might think this is the most important category, it should fall in the line of priority after safety and affordability.</li> </ul> <h2>The top 6 cars for new drivers</h2> <h3>1. Mazda 3 Sedan or Hatchback (2014 or newer) – Best small car</h3> <p>Priced around $7,000, the Mazda 3 sedan or hatchback is a stylish car with a 5-star safety rating from the IIHS. The car was a 2014 Top Safety Pick + thanks to superior marks in crashworthiness and crash avoidance and mitigation. If you're looking to take safety to the next level, optional upgrades to shop for include blind-spot detection and lane departure warning, available on newer models. Overall, this 4-door sedan is a top pick on the list of best cars for teenagers.</p> <h3>2. Subaru Outback (2013 or newer) – Best midsize car</h3> <p>If your teen does a lot of sports or plays in a band, they may need some extra cargo space for hauling around gear. The pick for the best midsize car for teens is the Subaru Outback — 2013 or newer. The car is a 2013 Top Safety Pick + with perfect marks in four of the five crashworthiness categories and crash avoidance and mitigation. The Outback received a rating of 'Acceptable' for the small overlap front on the driver's side. If style, cargo space and safety are important factors, the Subaru Outback is a great option averaging used around $8,500.</p> <h3>3. Hyundai Genesis (2016) – Best large car</h3> <p>When your teen wants full-size luxury, the Hyundai Genesis should be on your radar. While more expensive than many of the other options on this list, averaging around $18,000, the 2016 Genesis is a safe and stylish option any new driver would be ecstatic to get behind the wheel of. As a 2016 Top Safety Pick +, the Genesis runs the gamut when it comes to keeping drivers and passengers safe. Again, the price is considerably higher, but the luxury features deliver value.</p> <h3>4. Chevrolet Equinox (2016 or newer) – Best small SUV</h3> <p>The 2016 Chevy Equinox is a fan-favorite when it comes to the best cars for new drivers. For starters, the vehicle gets exceptional safety marks across the board with the IIHS. Averaging a price of around $12,100 for the used model, the car is still relatively affordable. And like all of the other vehicles on this list, the Chevrolet Equinox has a dry braking distance (going from 60 mph down to 0 mph) of 145 feet or less, which can help newer drivers who may have slower reaction times.</p> <h3>5. Hyundai Santa Fe Sport (2017-2018) – Best midsize SUV</h3> <p>If you need a vehicle with a little more size than the Chevrolet Equinox, the 2017 and 2018 Hyundai Santa Fe Sport is a great option to consider. Overall, both year models received great safety marks and clocked in as Top Safety Picks +.</p> <p>The one thing to be aware of is the headlights on the 2017 model received a poor rating from the IIHS, and the headlights on the 2018 model range from good to poor, depending on the exact model. If your new driver is going to be doing a lot of driving on darker back roads, this might be something to look at when test driving. The average price for these vehicles is around $15,800.</p> <h3>6. Honda Odyssey (2015-2016) – Best minivan</h3> <p>For teens and new drivers planning on hauling friends around, a minivan could be a quality option. The 2015 and 2016 Honda Odyssey is a Top Safety Pick, comes with standard daytime running lights and has optional blind-spot detection and lane-departure warning features. With an average price tag of $12,400, the vehicle is still affordable. Additionally, if your kid is in a band or plays sports, the ability to haul equipment and friends at the same time is a big plus.</p> <h2>How to lower car insurance for a new teen driver</h2> <ul> <li><strong>Adding your teen to your policy: </strong> By adding your child to your insurance policy, you may be able to <a href="https://www.thesimpledollar.com/insurance/auto/how-to-save-on-car-insurance-with-a-teen-driver-on-your-policy/" target="_blank">secure a much lower rate</a> than if they were to get a policy on their own.</li> <li><strong>Look for training discounts:</strong> Some <a href="https://www.thesimpledollar.com/insurance/auto/best-cheap-car-insurance-for-teens/" target="_blank">insurance companies give discounts</a> for teens and new drivers who take additional classes and training to increase their knowledge and experience.</li> <li><strong>Educate your teen:</strong> Insurance is already <a href="https://www.thesimpledollar.com/insurance/auto/car-insurance-teen-drivers/" target="_blank">expensive for teen drivers</a>, but the rates can get much higher if they have accidents or get tickets. The more you can educate your kids on safe driving habits, the better chance they have of keeping their rates low.</li> <li><strong>Buy a safe car:</strong> One of the factors determining how expensive car insurance can be is the car being driven. The safer and more practical the car your teen buys, the better chance they lave for lower insurance rates. Additionally, less expensive cars are less expensive to insure.</li> </ul> <p>Compare Affordable Car Insurance Rates </p> <p>Save money on auto coverage with our simple comparison tool.</p> <form target="_blank"> <div id="m_-3398798886932527094hidden-auto-ins-fields"> <div> <div> <label for="m_-3398798886932527094radio-insured">Are you currently insured?</label> <div> <input name="currently_insured_input" id="m_-3398798886932527094radio-insured-yes" type="radio" value="yes" checked> <label for="m_-3398798886932527094radio-insured-yes">Yes</label> <input name="currently_insured_input" id="m_-3398798886932527094radio-insured-no" type="radio" value="no"> <label for="m_-3398798886932527094radio-insured-no">No</label> </div> </div> <div> <label for="m_-3398798886932527094radio-multiple-cars">Are you insuring multiple cars?</label> <div> <input name="multiple_cars_input" id="m_-3398798886932527094multiple-cars-yes" type="radio" value="yes" checked> <label for="m_-3398798886932527094multiple-cars-yes">Yes</label> <input name="multiple_cars_input" id="m_-3398798886932527094multiple-cars-no" type="radio" value="no"> <label for="m_-3398798886932527094multiple-cars-no">No</label> </div> </div> <div> <label for="m_-3398798886932527094radio-homeowner">Are you a homeowner?</label> <div> <input name="homeowner_input" id="m_-3398798886932527094homeowner-yes" type="radio" value="yes" checked> <label for="m_-3398798886932527094homeowner-yes">Yes</label> <input name="homeowner_input" id="m_-3398798886932527094homeowner-no" type="radio" value="no"> <label for="m_-3398798886932527094homeowner-no">No</label> </div> </div> </div> <div> <div> <div> <select name="age_input" id="m_-3398798886932527094age"> <option value=""></option> <option value="20">16-20</option> <option value="24">21-24</option> <option value="34">25-34</option> <option value="35">35-44</option> <option value="45">45-54</option> <option value="55">55-64</option> <option value="65">65+</option> </select> <label>Age</label> </div> </div> <div> <div> <input type="tel" name="zip_code_input"> <label>ZIP code</label> </div> </div> <div> <input name="submitButton" type="submit" value="Compare Rates" id="m_-3398798886932527094button"> </div> </div> </div> </form> <div id="m_-3398798886932527094mediaAlpha-zip-compare__results"></div> <h2>Too long, didn't read?</h2> <p>The best cars for teenagers are safe, affordable and still check the style box. By finding the right car, you can have a happy teen, increase their safety on the roadways and help to <a href="https://www.thesimpledollar.com/insurance/auto/how-much-does-car-insurance-cost/" target="_blank">lower their car insurance rates</a>.</p> <h2>Keep reading</h2> <ul> <li><a title="Non-Owner Car Insurance: What It Is And Who Needs It" href="https://www.thesimpledollar.com/insurance/auto/non-owner-car-insurance/" target="_blank">Non-Owner Car Insurance: What It Is And Who Needs It</a></li> <li><a title="How Much Car Insurance Do You Need?" href="https://www.thesimpledollar.com/insurance/auto/how-much-car-insurance-do-i-need/" target="_blank">How Much Car Insurance Do You Need?</a></li> <li><a title="Why Does My Credit Score Impact My Car Insurance Cost?" href="https://www.thesimpledollar.com/insurance/auto/why-does-my-credit-score-impact-my-car-insurance-cost/" target="_blank">Why Does My Credit Score Impact My Car Insurance Cost?</a></li> </ul> <p>The post <a rel="nofollow" href="https://www.thesimpledollar.com/insurance/auto/best-car-to-buy-for-teen-drivers/" target="_blank">The Best Cars to Buy for Teen Drivers</a> appeared first on <a rel="nofollow" href="https://www.thesimpledollar.com" target="_blank">The Simple Dollar</a>.</p> <div> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=6gXRtc2tI48:Xnec7gJ_qoA:yIl2AUoC8zA" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=yIl2AUoC8zA" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=6gXRtc2tI48:Xnec7gJ_qoA:F7zBnMyn0Lo" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=6gXRtc2tI48:Xnec7gJ_qoA:F7zBnMyn0Lo" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=6gXRtc2tI48:Xnec7gJ_qoA:gIN9vFwOqvQ" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=6gXRtc2tI48:Xnec7gJ_qoA:gIN9vFwOqvQ" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=6gXRtc2tI48:Xnec7gJ_qoA:V_sGLiPBpWU" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=6gXRtc2tI48:Xnec7gJ_qoA:V_sGLiPBpWU" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=6gXRtc2tI48:Xnec7gJ_qoA:I9og5sOYxJI" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=I9og5sOYxJI" border="0"></a> </div><img src="http://feeds.feedburner.com/~r/thesimpledollar/~4/6gXRtc2tI48?utm_source=feedburner&utm_medium=email" height="1" width="1" alt=""></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em"> <p style="margin:1em 0 3px 0"> <a name="m_-3398798886932527094_9" style="font-family:Arial,Helvetica,sans-serif;font-size:18px" href="http://feedproxy.google.com/~r/thesimpledollar/~3/0AnPcNeKUpg/?utm_source=feedburner&utm_medium=email" target="_blank">Lemonade Renters Insurance Review</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px"> <span>Posted:</span> 19 Nov 2020 11:00 AM PST</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000"> <p>Find the Best Renter Insurance </p> <p>Enter your ZIP code below and be sure to click at least <span>2-3 companies</span> to find the very best rate.</p> <form target="_blank"> <div> <div> <input name="zip_code_input" type="tel"> <label>Zip Code</label> </div> <div> <select name="currently_insured" id="m_-3398798886932527094insured" value=""> <option value=""></option> <option value="1">Yes</option> <option value="0">No</option> </select> <label>Currently Insured</label> </div> <div> <input name="submitButton" type="submit" value="Compare Rates"> </div> </div> </form> <div></div> <p>Find the Best Renter Insurance</p> <p>Save money on home insurance with our simple comparison tool.</p> <form target="_blank"> <div> <div> <label>Are you currently insured?</label> <div> <input name="currently_insured_input" id="m_-3398798886932527094radio-insured-yes" type="radio" value="yes" checked> <label for="m_-3398798886932527094radio-insured-yes">Yes</label> <input name="currently_insured_input" id="m_-3398798886932527094radio-insured-no" type="radio" value="no"> <label for="m_-3398798886932527094radio-insured-no">No</label> </div> </div> <div> <label>Do you own or rent your home?</label> <div> <input name="insurance-type-input" id="m_-3398798886932527094ins-type-home" type="radio" value="HOME" checked> <label for="m_-3398798886932527094ins-type-home">Own</label> <input name="insurance-type-input" id="m_-3398798886932527094ins-type-renter" type="radio" value="RENTER"> <label for="m_-3398798886932527094ins-type-renter">Rent</label> </div> </div> <div> <input name="zip_code_input" type="tel"> <label>Zip Code</label> </div> <div> <input name="submitButton" type="submit" value="Compare Rates"> </div> </div> </form> <div></div> <p>Lemonade is not your parents' insurance company. It uses chatbots and high-tech AI to write policies and determine claims payouts. As a public benefit, or B-Corp®, it focuses on social good as well as profits, with an industry-first "Giveback" once a year that sends excess money not needed for claims to charitable organizations of its customers' choice.</p> <p>Lemonade renters insurance rates are reasonable and often below the rates offered by <a href="https://www.thesimpledollar.com/insurance/home/best-renters-insurance/" rel="noopener noreferrer" target="_blank">more traditional insurers</a>. The company writes its own policies, unlike insurers such as Geico and Progressive, and is reinsured by Lloyds of London, so the company will remain solvent and able to pay out claims even in the event of a catastrophe.</p> <p>The flip side to those low rates is that the company's coverage is basic, and you don't have the ability to customize your coverage with a range of optional add-ons. It also offers few discounts—though the basic rates are low enough that you probably won't miss them.</p> <p>Another disadvantage is the lack of live agents. While working with AI is fast and easy, sometimes you need a real person to talk to about your policy.</p> <h2>The specs</h2> <table> <tbody> <tr> <td>Price</td> <td>Varies depending on your area, home specs and other factors. Prices start at <a href="https://www.lemonade.com/" rel="noopener noreferrer" target="_blank">$5 a month</a></td> </tr> <tr> <td>Best for</td> <td>Those who want a low price and basic service</td> </tr> <tr> <td>Not for</td> <td>Anyone who likes to work face-to-face with an agent</td> </tr> <tr> <td>States served</td> <td>Arizona, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington D.C. and Wisconsin</td> </tr> <tr> <td>Discounts</td> <td>Protection equipment (smoke alarm or burglar alarm)</td> </tr> <tr> <td>AM Best Rating</td> <td>N/A</td> </tr> <tr> <td>Standout features</td> <td>Great app<br> Low prices<br> Instant pay-outs (sometimes)<br> Tech driven by groundbreaking AI<br> "Zero everything" feature</td> </tr> </tbody> </table> <h2>The claim</h2> <p>Forget everything you know about insurance because Lemonade is different: it offers instant claim fulfillment, great prices and a transparent corporate structure. Even its business model is different: the company takes a set amount for expenses, and all other profits get paid out in claims. Anything left over goes to charity.</p> <h2>Is it true?</h2> <p>Yes, but it isn't the whole picture. Lemonade IS different. Its reliance on technology rather than agents allows you to purchase a policy and make a claim quickly and easily. Those policies offer fairly basic coverage for great prices without hidden fees or complex fine print that limit your policy and make payouts next to impossible to obtain.</p> <p>But there are some caveats. Without the ability to customize your policy with endorsements, your coverage is generic. Lemonade renters insurance allows for only one endorsement: extra coverage if you have expensive belongings like fine jewelry or art. More traditional insurers generally offer a handful of options so you can create coverage that is unique to your needs.</p> <p>The sticking point with Lemonade is, ironically, what the company considers its greatest strength. By relying on tech instead of live human beings, you may have difficulties if you have a specific situation that requires the finesse that only a dedicated agent can give you.</p> <h2>Our deep dive</h2> <ul> <li><strong>Rock bottom rates</strong>: Lemonade's overhead is lower than that of traditional insurers because it's not paying for an army of agents. It passes that savings on to you in the form of premium rates that are among the industry's lowest. For renters, those rates start at $5 a month.</li> <li><strong>Giveback program</strong>: Do good while insuring your home or belongings. At the end of the fiscal year, any money left over after claims are paid goes to benefit the social good through Lemonade's donations to charity.</li> <li><strong>Get quick results</strong>: Lemonade's chatbots can give you a quote in minutes after you answer a few questions. When you need money quickly after a claim, the company comes through with nearly instantaneous claim fulfillment in many cases.</li> <li><strong>Financial stability</strong>: Lemonade has an A ("Excellent") rating from financial services analysis firm Demotech. It has not been rated by AM Best.</li> <li><strong>Transparency</strong>: Lemonade's policies don't include the confusing fine print you find on traditional policies. Everything is above-board and clear, and an extensive <a href="https://www.lemonade.com/faq" rel="noopener noreferrer" target="_blank">FAQ section</a> on its website answers most questions.</li> <li><strong>Extra coverage</strong>: Lemonade renters insurance's one amendment offers extra coverage for jewelry, fine art, cameras, bicycles and musical instruments. Unlike its standard coverage, there is no deductible, and it protects against accidental loss, damage and theft.</li> <li><strong>Zero Everything coverage</strong>: This unique offering eliminates the deductible on up to two claims a year, with no rate hikes.</li> <li><strong>Customer service</strong>: Lemonade scores an .81 on the National Association of Insurance Commissioners national complaint report—that's less than the industry average. But there's lots of anecdotal evidence online that indicates its customer service is lacking, and when we reached out with questions via the website help button, it was several days before we got an answer.</li> <li><strong>Other insurance available</strong>: In addition to renters insurance, Lemonade offers competitively-priced policies if you own a home, condo or co-op. Unlike most insurers, Lemonade doesn't have auto, life, or other policies that would allow you to save by bundling several policies.</li> </ul> <h2>Cost rundown</h2> <p>Because insurers take many factors into consideration in writing your policy, it's impossible to predict what your policy cost would be. You don't have to guess, though. Lemonade's chatbots can write you up a policy in seconds. There's no cost and no obligation.</p> <p>The basic Lemonade policy covers the following:</p> <ul> <li>Fire and smoke damage</li> <li>Crime and vandalism</li> <li>Wind, lightning and hail</li> <li><a href="https://www.thesimpledollar.com/insurance/home/hurricane-damage-coverage/" target="_blank">Hurricane damage</a></li> <li>Water damage</li> <li>Medical payments to others</li> <li>Liability (the legal costs if you are sued)</li> <li>Loss of use (if you need to stay in a hotel while your place is repaired)</li> </ul> <p>The important factor here is that you are protecting your belongings. The structure itself is covered by your landlord's policy, so you don't need to worry about the building itself.</p> <p>Although a Lemonade policy will probably cover you for whatever happens in your apartment, there are two perils that are not covered: earthquakes and flooding. These claims are generally so expensive that it would increase your premiums exorbitantly to include them. <a href="https://www.thesimpledollar.com/insurance/home/best-flood-insurance/" rel="noopener noreferrer" target="_blank">Flood insurance is available</a>, though not from Lemonade. The company does offer earthquake insurance in California and Arkansas.</p> <h2>Cheaper (or free!) alternatives</h2> <p>Lemonade renters insurance won't take up a big chunk of your change, but there are a few things you can do to make sure you're paying as little as possible for the maximum value.</p> <ul> <li><strong>Pay attention to your credit rating</strong>. Insurers may take your credit score into consideration when writing a policy, so it pays to clean up yours and pay off old debts.</li> <li><strong>Get multiple quotes</strong>. Although we found Lemonade's rates to be the most inexpensive of those we polled, your results may be different. It's worth checking with some of the more traditional insurers to see what they can offer you.</li> <li><strong>Encourage your roommates to purchase a renter's policy, too</strong>. This may not save you money in the short term, but in the case of a disaster, it'll make rebuilding your life easier if you are all covered.</li> <li><strong>Have your landlord install fire and burglar alarms</strong> if you don't already have them. Like most insurers, Lemonade offers a small discount for them.</li> <li><strong>Consider your deductible</strong>. It's simple: the higher your deductible, the lower your premium costs. If you can afford to pay out, say, $1,000 or even $2,500 in the event of a disaster before the claim kicks in, you'll pay less each month in premiums.</li> </ul> <h2>The competition</h2> <ul> <li><strong><a href="https://www.thesimpledollar.com/insurance/reviews/american-family-renters-insurance-review/" target="_blank">American Family</a></strong>: The top company in the <a href="https://www.jdpower.com/business/ratings/study/U.S.-Home-Insurance-Study---Renters-Insurance/10184ENG" rel="noopener noreferrer" target="_blank">J.D. Power Renters Insurance list</a>, American Family covers your stuff, along with medical and legal expenses if someone is injured at your place and hotel costs if you need a place to stay while repairs are done. You can add standard identity protection coverage and equipment breakdown coverage. American Family has discounts for everything from autopay to a smart home discount.</li> <li><strong><a href="https://www.thesimpledollar.com/insurance/reviews/state-farm-renters-insurance-review/" target="_blank">State Farm</a></strong>: State Farm has a reputation for good customer service and competitive prices. It offers a few—but not many—discounts, including multiple line if you bundle your auto with your renters insurance and one for safety devices such as burglar alarms.</li> <li><strong><a href="https://www.thesimpledollar.com/insurance/reviews/allstate-renters-insurance-review/" target="_blank">Allstate</a></strong>: Although it scores in the middle of the pack with rating organizations like Consumer Reports and J.D. Powers, Allstate has a nice range of add-ons, like identity theft protection and increased coverage if you use your apartment for business purposes. You can also score some nice discounts, such as easy pay plan, claims-free discount and one if you're over 55.</li> <li><strong><a href="https://www.thesimpledollar.com/insurance/reviews/geico-renters-insurance-review/" target="_blank">Geico</a></strong>: Customize your Geico policy with innovative endorsements that provide increased or replacement coverage or that cover you and your merchandise if you run a small business—such as selling on eBay—out of your apartment.</li> </ul> <h2>What others are saying</h2> <p><a href="https://www.forbes.com/sites/jeffkauflin/2019/05/02/lemonade-fintech-insurance-unicorn/#6c6e0d856cde" rel="noopener noreferrer" target="_blank">Forbes</a> describes Lemonade as a "millennial-loved fintech unicorn," and says that by using artificial intelligence, a mobile app and other tech-centric methods, the founders are drawing in big investments from funders and creating a new model for an old, and arguably stodgy, business.</p> <p><a href="https://insnerds.com/lemonade-hype/" rel="noopener noreferrer" target="_blank">Insurance Nerds</a>, meanwhile, is less impressed with Lemonade. Writer Nick Lamparelli says that beneath the bells and whistles, Lemonade is functionally no different from any other insurance company. Although the technology is great, sometimes live agents can be helpful. "[Can] the robot handle the firestorm that comes when the company is hit with their first major natural catastrophe?"he asks.</p> <h2>The bottom line</h2> <p>Lemonade renters insurance is a great choice if you're looking to save money and want an easy insurance experience with the potential for part of your premium to benefit charities that you care about. If your needs are more complex, however, or you'd like the ability to speak with a live agent, you'll want to check out a more conventional insurer.</p> <p>The post <a rel="nofollow" href="https://www.thesimpledollar.com/insurance/reviews/lemonade-renters-insurance-review/" target="_blank">Lemonade Renters Insurance Review</a> appeared first on <a rel="nofollow" href="https://www.thesimpledollar.com" target="_blank">The Simple Dollar</a>.</p> <div> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=0AnPcNeKUpg:gLg5AlGHB5E:yIl2AUoC8zA" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=yIl2AUoC8zA" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=0AnPcNeKUpg:gLg5AlGHB5E:F7zBnMyn0Lo" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=0AnPcNeKUpg:gLg5AlGHB5E:F7zBnMyn0Lo" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=0AnPcNeKUpg:gLg5AlGHB5E:gIN9vFwOqvQ" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=0AnPcNeKUpg:gLg5AlGHB5E:gIN9vFwOqvQ" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=0AnPcNeKUpg:gLg5AlGHB5E:V_sGLiPBpWU" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?i=0AnPcNeKUpg:gLg5AlGHB5E:V_sGLiPBpWU" border="0"></a> <a href="http://feeds.feedburner.com/~ff/thesimpledollar?a=0AnPcNeKUpg:gLg5AlGHB5E:I9og5sOYxJI" target="_blank"><img src="http://feeds.feedburner.com/~ff/thesimpledollar?d=I9og5sOYxJI" border="0"></a> </div><img src="http://feeds.feedburner.com/~r/thesimpledollar/~4/0AnPcNeKUpg?utm_source=feedburner&utm_medium=email" height="1" width="1" alt=""></div> </td> </tr> </tbody></table> <table style="border-top:1px solid #999;padding-top:4px;margin-top:1.5em;width:100%" id="m_-3398798886932527094footer"> <tbody><tr> <td style="text-align:left;font-family:Helvetica,Arial,Sans-Serif;font-size:11px;margin:0 6px 1.2em 0;color:#333">You are subscribed to email updates from <a href="https://www.thesimpledollar.com" target="_blank">The Simple Dollar</a>.<br>To stop receiving these emails, you may <a href="https://feedburner.google.com/fb/a/mailunsubscribe?k=AIHj3HpAG1z3SW5uCkgZwQJ6Z8c" target="_blank">unsubscribe now</a>.</td> <td style="font-family:Helvetica,Arial,Sans-Serif;font-size:11px;margin:0 6px 1.2em 0;color:#333;text-align:right;vertical-align:top">Email delivery powered by Google</td> </tr> <tr> <td colspan="2" style="text-align:left;font-family:Helvetica,Arial,Sans-Serif;font-size:11px;margin:0 6px 1.2em 0;color:#333">Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States</td> </tr> </tbody></table> </div> </div> </div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com1tag:blogger.com,1999:blog-1895845305357009872.post-46872251276536172872021-08-27T15:02:00.001-07:002021-08-27T15:02:24.994-07:00morning headache, increased BP, no snoring/choking/waking, could still be sleep apnea, doctors may not diagnose correctly<div><br></div><div><div class="gmail_quote"><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div><div dir="auto">"<span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;background-color:rgb(225,235,242)">Here's a short list of documented symptoms of sleep apnea:</span><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;background-color:rgb(225,235,242)"> </span></div><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Fatigue </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Headache </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Choking </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Myocardial infarction. </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Hypertension </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Stroke </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Arrhythmias/Dysrhythmias </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Bradycardia/Tachycardia </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Heartburn/GERD </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Poor memory </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Depression </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Insomnia </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Snoring </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Night Sweats </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Nocturia – Frequent nighttime urination </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">Erectile dysfunction </span><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><br style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:13px;font-variant-ligatures:normal;background-color:rgb(225,235,242)"><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">There are others as well. These are some of the most common. Apnea is truly a systemic malady which produces such a vast array of symptoms that physicians have neither fully documented nor fully explored the extent of its involvement with these and other symptoms.</span><span style="color:rgb(51,51,51);font-family:"Lucida Grande","Trebuchet MS",Verdana,Helvetica,Arial,sans-serif;font-size:0.8125rem;font-variant-ligatures:normal;background-color:rgb(225,235,242);float:none;display:inline">"</span></div><div dir="auto"><br></div><div dir="auto"><div class="gmail_quote" dir="auto"><div>On Wed, Feb 14, 2018 at 4:14 PM Connie L. O'Dell <<a href="mailto:odellconnie@gmail.com" target="_blank">odellconnie@gmail.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div><div><div><div>If you wake up with headaches sometimes, you may have sleep apnea, even if you do not snore or choke or wake up. The only visible sign may be silent breathing pauses during sleep. Do not assume your doctor will ask you the right questions to find out if this is your problem. The high blood pressure I have had for 10 years with the headaches is potentially another symptom, and my doctor never asked. I was diagnosed because: 1) My husband saw me stopping breathing/breathing very shallowly, and 2) I used a cheap pulse-oximeter from <a href="http://amazon.com" target="_blank">amazon.com</a> that has an alarm that goes off when you have low oxygen, and taped it on my hand overnight, and sure enough, it showed drops to 85% and even 80%. Immediately my doctor approved a sleep study to officially diagnose apnea. In case you don't know, sleep apnea over time leads to multiple organ failure, hear attacks, and reduced brain function, which I *do not* need... ;-) and is extremely hereditary, so my siblings should suspect it also. I would like to think CPAP and more oxygen will fix my lifelong brain farts, but I'd be happy to just not to get (much) fartier, too...<br></div><div><br></div><div><a href="https://aasm.org/brain-damage-caused-by-severe-sleep-apnea-is-reversible/" target="_blank">https://aasm.org/brain-damage-caused-by-severe-sleep-apnea-is-reversible/</a><br></div></div></div> </div> </blockquote></div></div>-- <br><div dir="ltr" data-smartmail="gmail_signature"><div dir="ltr"><div style="font-size:13px"><div style="font-size:13px">Cheers,</div><div style="font-size:13px">Connie O'Dell</div><div style="font-size:13px"><a href="mailto:odellconnie@gmail.com" style="color:rgb(17,85,204)" target="_blank">odellconnie@gmail.com</a></div><div style="font-size:13px"><a value="+17202604442" style="color:rgb(17,85,204)">720-260-4442</a></div></div><br></div></div></blockquote></div></div>-- <br><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div style="font-size:13px"><div style="font-size:13px">Cheers,</div><div style="font-size:13px">Connie O'Dell</div><div style="font-size:13px"><a href="mailto:odellconnie@gmail.com" style="color:rgb(17,85,204)" target="_blank">odellconnie@gmail.com</a></div><div style="font-size:13px"><a value="+17202604442" style="color:rgb(17,85,204)">720-260-4442</a></div></div><br></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-77375772077581362942021-07-10T18:05:00.001-07:002021-07-10T18:05:44.472-07:00Desolation canyon<div><br><br><a href="https://mk0mild2wildrafrp52f.kinstacdn.com/wp-content/uploads/2020/01/Desolation-Trip-Map-Website.png">https://mk0mild2wildrafrp52f.kinstacdn.com/wp-content/uploads/2020/01/Desolation-Trip-Map-Website.png</a><br></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com3tag:blogger.com,1999:blog-1895845305357009872.post-80247455105653651682021-06-02T09:27:00.001-07:002021-06-02T09:27:46.355-07:00~ June in Downtown Boulder - 3 Events You DON'T Want to Miss ~<div dir="ltr"><div class="gmail_quote"><div dir="ltr" class="gmail_attr"><br></div><br><u></u> <div class="m_232285769201110905body" align="center" style="width:100%;min-width:100%;background-color:#f6efea;margin:0px;padding:0px" bgcolor="#F6EFEA"> <table class="m_232285769201110905template-body" border="0" cellpadding="0" cellspacing="0" style="text-align:center;min-width:100%" width="100%"> <tbody><tr> <td class="m_232285769201110905preheader-container"> <div> <div id="m_232285769201110905preheader" style="display:none;font-size:1px;color:transparent;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden"> <span>Music! Art! Summer Sundays! Oh my!</span> </div> <img src="https://r20.rs6.net/on.jsp?ca=4cd11627-86a9-4288-9f4d-88ca2e67d316&a=1011329374095&c=408e1840-3230-11e3-aea3-d4ae529a8786&ch=415c3db0-3230-11e3-af0f-d4ae529a8786" alt=""> </div> </td> </tr> <tr> <td align="center"> <div style="background-color:#f6efea"> <table class="m_232285769201110905bgimage" width="100%" border="0" cellpadding="0" cellspacing="0" style="background-color:#f6efea" bgcolor="#F6EFEA"> <tbody> <tr> <td width="600" align="center" valign="top" style="padding:0px"> <div> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tbody> <tr> <td width="100%" align="center" valign="top" style="padding-bottom:10px;height:1px;line-height:1px"> <div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" style="display:block;height:1px;width:5px"></div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td width="100%" align="left" valign="top"> <div> <table style="min-width:100%" width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td align="center" valign="top" style="padding-top:10px;padding-bottom:10px"> <div> <a href="https://r20.rs6.net/tn.jsp?f=001yGZArNZ5FpM2_NX8G9_KOyCXKasdJsMsEG7APaqwVmkxeHptOUfkmkr_cvEbyZx-yJM2f0x0S4n6gerl0C5n46SYi-7Z5G0ptAm8S-pgHMl2ihIGiXTenDn2gdufIpOkT7wEZ69Goq7zkjz9GGfXnxDvEgtFbqUb&c=WsNzxTtdT3xCe0LaiDQ-H2nkj8H3OdCAKRbHvh8neo6g8anhz71ryQ==&ch=uW-zJtVQEhFO8Jnn4INJRfgtwrNiUmdzFtpfjg8nYPaKB9vn0A9Fyw==" target="_blank"> <img alt="Downtown Boulder" style="display:block;height:auto!important;max-width:100%!important" width="418" border="0" hspace="0" vspace="0" src="http://files.constantcontact.com/f879de77be/2229a355-afa7-4d18-b759-c0bf393b128d.png"> </a> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="55%" align="left" valign="top" style="background-color:rgb(153,153,153)" bgcolor="999999"> <div><div> <span></span> <span></span> </div></div> <div> <table width="100%" style="min-width:100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text" align="left" valign="top" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:10px 10px 10px 20px"> <div></div> <div><div><div><span style="font-size:16px;color:rgb(255,255,255);font-family:Lato,sans-serif;font-weight:bold;font-style:italic">June 2, 2021</span></div></div></div> </td> </tr> </tbody> </table> </div> </td> <td width="45%" align="left" valign="top" style="background-color:rgb(153,153,153)" bgcolor="999999"> <div> <table width="100%" style="min-width:100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text" align="left" valign="top" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:10px 20px 10px 10px"> <div></div> <div><div><div style="text-align:right" align="right"><span style="font-size:16px;color:rgb(255,255,255);font-style:italic;font-weight:bold;font-family:Lato,sans-serif">Things To Do Downtown</span></div></div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top" style="background-color:rgb(106,194,213)" bgcolor="6AC2D5"> <div> <table style="min-width:100%" width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td align="center" valign="top" style="padding-top:0px;padding-bottom:0px"> <div> <a href="https://r20.rs6.net/tn.jsp?f=001yGZArNZ5FpM2_NX8G9_KOyCXKasdJsMsEG7APaqwVmkxeHptOUfkmlY3fenv9JYy-20grY_UYIa4taShoF3xmCCDiNixDDt66xUB_dpmV7B0pKAztcKAfTVvPclM2Jt30OpoINpbAj5fgYQSUyJfTb59x-2gmJRBA2EQxAOYFp91amUBDgc23_6qDoqLtC_u&c=WsNzxTtdT3xCe0LaiDQ-H2nkj8H3OdCAKRbHvh8neo6g8anhz71ryQ==&ch=uW-zJtVQEhFO8Jnn4INJRfgtwrNiUmdzFtpfjg8nYPaKB9vn0A9Fyw==" target="_blank"> <img alt="" style="display:block;height:auto!important;max-width:100%!important" width="600" border="0" hspace="0" vspace="0" src="https://files.constantcontact.com/f879de77be/e2a79e2b-9392-47fe-81fd-b10d4fb6b518.png"> </a> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" style="min-width:100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text m_232285769201110905editor-text" align="left" valign="top" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:10px 20px"> <div></div> <div><div><div style="text-align:right" align="right"> <span style="font-size:11px;font-style:italic">Hazel Miller performs live at Bands Above the Bricks in 2020 - See her this year at </span><a href="https://r20.rs6.net/tn.jsp?f=001yGZArNZ5FpM2_NX8G9_KOyCXKasdJsMsEG7APaqwVmkxeHptOUfkmkbM5d--tV4JNwYHBan_dhlRkAqTX4m4fhs9Sj0WRuspqqikTSg3WaOBCrNB6YytKOSwivKHnsvp894mL1NPzkD4PwGEQgQj1Vr6-UwQwH6xMwhuJ0p1ZnkJYlYf473JJls3wbYUk0Wm&c=WsNzxTtdT3xCe0LaiDQ-H2nkj8H3OdCAKRbHvh8neo6g8anhz71ryQ==&ch=uW-zJtVQEhFO8Jnn4INJRfgtwrNiUmdzFtpfjg8nYPaKB9vn0A9Fyw==" rel="noopener noreferrer" style="font-size:11px;font-style:italic;color:#cc6124;font-weight:bold;text-decoration:underline" target="_blank">Bands on the Bricks </a> </div></div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tbody> <tr> <td width="100%" align="center" valign="top" style="padding-bottom:10px;height:1px;line-height:1px"> <div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" style="display:block;height:1px;width:5px"></div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#78a22f" bgcolor="#78A22F"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="left" valign="top" style="background-color:rgb(41,75,147)" bgcolor="294B93"> <div> <table width="100%" style="min-width:100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text" align="left" valign="top" style="font-family:Arial;font-size:28px;color:#e6e3e3;text-align:center;display:block;word-wrap:break-word;line-height:1.2;font-weight:bold;padding:10px 20px"> <div></div> <div><div><div><span style="font-family:Lato,sans-serif">Welcome Back to Things To Do Downtown!</span></div></div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tbody> <tr> <td width="100%" align="center" valign="top" style="padding-bottom:10px;height:1px;line-height:1px"> <div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" style="display:block;height:1px;width:5px"></div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" style="min-width:100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text m_232285769201110905editor-text" align="left" valign="top" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:10px 20px"> <div></div> <div><div> <div><span style="font-size:16px">Hello from the heart of Boulder!</span></div> <div><br></div> <div><span style="font-size:16px;color:rgb(0,0,0)">After a long, rainy month of May, the Downtown Boulder Partnership team is arriving in June both grateful and energized for all that summer has in store. With the arrival of the warm weather, June promises to be a great month for "Things to Do Downtown" - your number one resource for the top picks of music, art, food and fun experiences in downtown Boulder. It seems like there are more and more big event announcements each day - read on to find some highlights taking place in June and beyond. </span></div> <div><br></div> <div> <span style="font-size:16px;color:rgb(0,0,0)">As always, you can check out what's happening downtown on our </span><a href="https://r20.rs6.net/tn.jsp?f=001yGZArNZ5FpM2_NX8G9_KOyCXKasdJsMsEG7APaqwVmkxeHptOUfkmlY3fenv9JYy-20grY_UYIa4taShoF3xmCCDiNixDDt66xUB_dpmV7B0pKAztcKAfTVvPclM2Jt30OpoINpbAj5fgYQSUyJfTb59x-2gmJRBA2EQxAOYFp91amUBDgc23_6qDoqLtC_u&c=WsNzxTtdT3xCe0LaiDQ-H2nkj8H3OdCAKRbHvh8neo6g8anhz71ryQ==&ch=uW-zJtVQEhFO8Jnn4INJRfgtwrNiUmdzFtpfjg8nYPaKB9vn0A9Fyw==" rel="noopener noreferrer" style="font-size:16px;color:rgb(204,97,36);font-style:italic;font-weight:bold;text-decoration:underline" target="_blank">Things to Do Downtown</a><span style="font-size:16px;color:rgb(0,0,0)"> blog. Don't forget that you can always keep up on daily happenings by visiting our </span><a href="https://r20.rs6.net/tn.jsp?f=001yGZArNZ5FpM2_NX8G9_KOyCXKasdJsMsEG7APaqwVmkxeHptOUfkmpgi50k50hKARGGBAsmYZljgqt7oGiRPSM6H_jlyS-8blbhGXLtBI9e1VV4axWn-RZu35XcaBpAcmmwvaDH2ZClTFQUdjqK4ZaJlMTNACFXv&c=WsNzxTtdT3xCe0LaiDQ-H2nkj8H3OdCAKRbHvh8neo6g8anhz71ryQ==&ch=uW-zJtVQEhFO8Jnn4INJRfgtwrNiUmdzFtpfjg8nYPaKB9vn0A9Fyw==" rel="noopener noreferrer" style="font-size:16px;color:rgb(204,97,36);font-weight:bold;font-style:normal;text-decoration:underline" target="_blank">Event Calendar</a><span style="font-size:16px;color:rgb(0,0,0)">, for the latest listings of in-person and virtual things-to-do throughout the district...</span> </div> <div><br></div> <div><span style="font-size:16px">We can't wait to see you downtown soon!</span></div> </div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="width:100%;min-width:100%"> <tbody> <tr> <td style="font-family:Arial;font-size:14px;font-weight:bold;display:block;color:#ffffff;text-decoration:none;padding:10px 20px"> <table style="width:100%;min-width:100%"> <tbody> <tr> <td align="center" valign="top" style="font-family:Arial;font-size:14px;font-weight:bold;display:block;color:#ffffff;text-decoration:none;padding:0px"> <table border="0" cellpadding="0" cellspacing="0" style="background-color:rgb(70,106,43);width:initial;border-radius:0px;border-spacing:0;min-width:initial;padding:0;border:none" bgcolor="466A2B"> <tbody> <tr> <td align="center" valign="top" style="font-family:Arial;font-size:14px;font-weight:bold;display:block;color:#ffffff;text-decoration:none;padding:10px 15px"> <div> <div class="m_232285769201110905MainTextFullWidth"><a href="https://r20.rs6.net/tn.jsp?f=001yGZArNZ5FpM2_NX8G9_KOyCXKasdJsMsEG7APaqwVmkxeHptOUfkmlY3fenv9JYy-20grY_UYIa4taShoF3xmCCDiNixDDt66xUB_dpmV7B0pKAztcKAfTVvPclM2Jt30OpoINpbAj5fgYQSUyJfTb59x-2gmJRBA2EQxAOYFp91amUBDgc23_6qDoqLtC_u&c=WsNzxTtdT3xCe0LaiDQ-H2nkj8H3OdCAKRbHvh8neo6g8anhz71ryQ==&ch=uW-zJtVQEhFO8Jnn4INJRfgtwrNiUmdzFtpfjg8nYPaKB9vn0A9Fyw==" style="font-size:18px;font-family:Lato,sans-serif;font-weight:normal;display:block;color:#ffffff;text-decoration:none" target="_blank">Safe Events & Activities</a></div> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#78a22f" bgcolor="#78A22F"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="left" valign="top" style="background-color:rgb(41,75,147)" bgcolor="294B93"> <div> <table width="100%" style="min-width:100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text" align="left" valign="top" style="font-family:Arial;font-size:28px;color:#e6e3e3;text-align:center;display:block;word-wrap:break-word;line-height:1.2;font-weight:bold;padding:10px 20px"> <div></div> <div><div><div> <span style="font-family:Lato,sans-serif">June Picks </span><span style="font-family:Roboto,sans-serif;font-size:36px;color:rgb(255,255,255)">☀</span> </div></div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table style="min-width:100%!important" width="100%" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td style="padding:0px" valign="top" align="center"> <table width="1" cellspacing="0" cellpadding="0" border="0" style="width:600px;min-width:600px;padding:0px"> <tbody> <tr> <td valign="top" align="center" style="padding:10px 20px"> <table style="direction:rtl;width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td style="font-weight:normal;direction:ltr;vertical-align:top" width="50%" valign="top" align="center"> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td valign="top" align="center"> <div> <table 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href="https://r20.rs6.net/tn.jsp?f=001yGZArNZ5FpM2_NX8G9_KOyCXKasdJsMsEG7APaqwVmkxeHptOUfkmkbM5d--tV4JNwYHBan_dhlRkAqTX4m4fhs9Sj0WRuspqqikTSg3WaOBCrNB6YytKOSwivKHnsvp894mL1NPzkD4PwGEQgQj1Vr6-UwQwH6xMwhuJ0p1ZnkJYlYf473JJls3wbYUk0Wm&c=WsNzxTtdT3xCe0LaiDQ-H2nkj8H3OdCAKRbHvh8neo6g8anhz71ryQ==&ch=uW-zJtVQEhFO8Jnn4INJRfgtwrNiUmdzFtpfjg8nYPaKB9vn0A9Fyw==" target="_blank"> <img alt="" style="display:block;height:auto;max-width:100%" width="280" border="0" hspace="0" vspace="0" src="https://files.constantcontact.com/f879de77be/d2daebf6-b8f4-43cc-a5ad-c278413017f5.jpg"> </a> </div> </td> </tr> </tbody> </table> <table style="direction:ltr;width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td style="font-weight:normal;direction:ltr;vertical-align:top;background-color:#ffffff" width="10%" valign="top" align="center" bgcolor="#FFFFFF"> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td valign="top" align="center" style="padding:0px"> <div> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text" valign="top" align="center" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:10px 10px 10px 20px"> <div> <div align="left"> <br> </div> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> <td style="font-weight:normal;direction:ltr;vertical-align:top" width="90%" valign="top" align="center"> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td valign="top" align="center"> <div> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text" valign="top" align="center" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:10px 20px 10px 10px"> <div> <div align="left"> <br> </div> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> <td style="font-weight:normal;direction:ltr;vertical-align:middle;background-color:#ffffff" width="50%" valign="top" align="center" bgcolor="#FFFFFF"> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td valign="top" align="center" style="padding:10px 0px 10px 10px"> <div> <table style="width:100%;background-color:#ffffff" width="1" cellspacing="0" cellpadding="0" border="0" bgcolor="#FFFFFF"> <tbody> <tr> <td class="m_232285769201110905editor-text" valign="top" align="center" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:0px 20px 10px 10px"> <div><div> <div> <span style="font-size:16px;font-weight:bold;font-family:Lato,sans-serif">ANNOUNCING: 25th Season of Bands on the Bricks starting</span><span style="font-size:16px;font-weight:bold;font-family:Lato,sans-serif;color:rgb(0,0,0)"> July 21!</span> </div> <div><br></div> <div>For the past quarter-century, the Boulder community has spent their Wednesday evenings throughout the summer dancing together on the bricks of the Pearl Street Mall. A<span style="font-size:16px;color:rgb(44,19,1)"> </span><span style="font-size:14px;color:rgb(44,19,1)">not-to-be-missed summer tradition, our 2021 season includes for Wednesdays of free concerts. Check out this summer's lineup and further event details on our webpage linked below. We truly cannot wait to see you there! </span> </div> </div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="width:100%;min-width:100%"> <tbody> <tr> <td style="font-family:Arial;font-size:14px;font-weight:bold;display:block;color:#ffffff;text-decoration:none;padding:10px 20px"> <table style="width:100%;min-width:100%"> <tbody> <tr> <td align="center" valign="top" 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style="font-size:18px;font-family:Lato,sans-serif;font-weight:normal;display:block;color:#ffffff;text-decoration:none" target="_blank">Let's Dance!</a></div> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table width="100%" style="min-width:100%"> <tbody> <tr> <td width="100%" align="center" valign="top" style="padding:10px 0"> <table cellpadding="0" cellspacing="0" border="0" align="center" style="height:1px;width:94%"> <tbody> <tr> <td height="1" align="center" style="border-bottom-style:none;height:1px;line-height:1px;padding-bottom:0px;background-color:#78a22f" bgcolor="#78A22F"> <div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" style="display:block;height:1px;width:5px"></div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table style="min-width:100%!important" width="100%" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td style="padding:0px" valign="top" align="center"> <table width="1" cellspacing="0" cellpadding="0" border="0" style="width:600px;min-width:600px;padding:0px"> <tbody> <tr> <td 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</tr> </tbody> </table> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td style="line-height:1px;padding-top:0px;padding-bottom:0px" valign="top" align="center"> <div> <a href="https://r20.rs6.net/tn.jsp?f=001yGZArNZ5FpM2_NX8G9_KOyCXKasdJsMsEG7APaqwVmkxeHptOUfkmvGe5oH3v5StVRLD53SuopdkabcDruvcuCR5OspOz-XJ6_bPoFl0T7owQdQ6Lq1ti5IkEz9lBROgCAjCgHRE0zxKU_X9O555zTvcE5ZDbMN2kVWdA-2S6E4=&c=WsNzxTtdT3xCe0LaiDQ-H2nkj8H3OdCAKRbHvh8neo6g8anhz71ryQ==&ch=uW-zJtVQEhFO8Jnn4INJRfgtwrNiUmdzFtpfjg8nYPaKB9vn0A9Fyw==" target="_blank"> <img alt="" style="display:block;height:auto;max-width:100%" width="280" border="0" hspace="0" vspace="0" src="https://files.constantcontact.com/f879de77be/92481002-9d8e-44d0-8c35-125ff5fe3805.jpg"> </a> </div> </td> </tr> </tbody> </table> <table style="direction:ltr;width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td style="font-weight:normal;direction:ltr;vertical-align:top" width="90%" valign="top" align="center"> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td valign="top" align="center"> <div> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text" valign="top" align="center" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:10px 10px 10px 20px"> <div> <div align="left"> <br> </div> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> <td style="font-weight:normal;direction:ltr;vertical-align:top;background-color:#ffffff" width="10%" valign="top" align="center" bgcolor="#FFFFFF"> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td valign="top" align="center" style="padding:0px"> <div> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text" valign="top" align="center" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:10px 20px 10px 10px"> <div> <div align="left"> <br> </div> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> <td style="font-weight:normal;direction:ltr;vertical-align:middle;background-color:#ffffff" width="50%" valign="top" align="center" bgcolor="#FFFFFF"> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td valign="top" align="center" style="padding:10px 0px 10px 10px"> <div> <table style="width:100%;background-color:#ffffff" width="1" cellspacing="0" cellpadding="0" border="0" bgcolor="#FFFFFF"> <tbody> <tr> <td class="m_232285769201110905editor-text" valign="top" align="center" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:0px 20px 10px 10px"> <div><div> <div><span style="font-size:16px;font-weight:bold;font-family:Lato,sans-serif">All Aboard the Tebo Train! </span></div> <div><br></div> <div><span style="color:rgb(44,19,1)">Calling all mighty tots! We are happy to announce the return of the 100% electric Tebo Train to the Pearl Street Mall. Ride (free of charge) NOW through Friday, September 3. Children ages 10 and under - along with accompanying adults - are invited to chug along Pearl Street for a one-of-a-kind experience. The train runs weekday mornings (Mondays - Fridays from 9:30 am - 11:00 am) with safety of our riders as our top priority.</span></div> </div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="width:100%;min-width:100%"> <tbody> <tr> <td style="font-family:Arial;font-size:14px;font-weight:bold;display:block;color:#ffffff;text-decoration:none;padding:10px 20px"> <table 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style="font-size:18px;font-family:Lato,sans-serif;font-weight:normal;display:block;color:#ffffff;text-decoration:none" target="_blank">Ride the Train!</a></div> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table width="100%" style="min-width:100%"> <tbody> <tr> <td 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style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:0px 20px 10px 10px"> <div><div> <div><span style="font-size:16px;font-family:Lato,sans-serif;font-weight:bold">Check out the 2021 Boulder International Film Festival - June 24-27!</span></div> <div><br></div> <div><span style="font-size:14px;color:rgb(10,10,10)">The Boulder International Film Festival (BIFF) brings films and filmmakers from around the world to Boulder for a four-day celebration of the art of cinema. BIFF consistently features a wide variety of films from local, national and international filmmakers (including many that have gone on to significant box-office success and multiple Oscar nominations). Adding to the BIFF experience are events featuring nationally-renowned chefs, filmmaker happy hours, multiple opening night galas, talented musicians and much more. </span></div> <div><br></div> <div><span style="font-size:14px;color:rgb(10,10,10);font-weight:bold">Tickets for the festival go on sale on Friday, June 4 at the BIFF Box Office - located at 1421 Pearl. </span></div> </div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> 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vspace="0" src="https://files.constantcontact.com/f879de77be/46d931dc-6c5d-4885-8ff0-02e5fe7e5145.jpg"> </a> </div> </td> </tr> </tbody> </table> <table style="direction:ltr;width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td style="font-weight:normal;direction:ltr;vertical-align:top" width="90%" valign="top" align="center"> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td valign="top" align="center"> <div> <table style="width:100%" width="1" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr> <td class="m_232285769201110905editor-text" valign="top" align="center" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:10px 10px 10px 20px"> <div> <div align="left"> <br> </div> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> <td 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cellpadding="0" border="0"> <tbody> <tr> <td valign="top" align="center" style="padding:10px 0px 10px 10px"> <div> <table style="width:100%;background-color:#ffffff" width="1" cellspacing="0" cellpadding="0" border="0" bgcolor="#FFFFFF"> <tbody> <tr> <td class="m_232285769201110905editor-text" valign="top" align="center" style="font-family:Arial;font-size:14px;color:#1a1a1a;text-align:left;display:block;word-wrap:break-word;line-height:1.2;padding:0px 20px 10px 10px"> <div><div> <div><span style="font-size:16px;color:rgb(0,0,0);font-weight:bold;font-family:Lato,sans-serif">"Free Range Dairy" Presents</span></div> <div><span style="font-size:16px;color:rgb(0,0,0);font-weight:bold;font-family:Lato,sans-serif"> Los Chicos Malos, with Elisa Garcia Trio & Adolfo Romero Duo at the Boulder Bandshell</span></div> <div><br></div> <div><span style="font-size:14px;color:rgb(34,36,38)">If you were lucky enough to attend one of the Noches de Peña at the Dairy Center over the last couple of years then you will be familiar with some of these world-class performers from various parts of Latin America. Each brings their unique passion and talents to this celebration of culture and community. Ven listo para bailar para este espectáculo.</span></div> <div><br></div> <div><span style="font-size:14px;color:rgb(34,36,38)">Saturday, June 5th at 6:30 pm at Arts in the Park at the Boulder Bandshell. Tickets are $25.</span></div> </div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width:100%"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" style="width:600px;min-width:600px"> <tbody> <tr> <td align="center" valign="top" style="background-color:#f6efea" bgcolor="#F6EFEA"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td width="100%" align="center" valign="top"> <div> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tbody> <tr> <td width="100%" align="center" valign="top" style="padding-bottom:10px;height:1px;line-height:1px"> <div><img alt="" width="5" height="1" border="0" hspace="0" 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style="background:#ffffff;margin-left:auto;margin-right:auto;table-layout:auto!important" bgcolor="#ffffff"> <tbody><tr> <td width="100%" align="center" valign="top" style="width:100%"> <div align="center" style="margin-left:auto;margin-right:auto;max-width:100%"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody><tr> <td align="center" valign="top" style="padding:16px 0px"> <table class="m_232285769201110905footer-main-width" style="width:580px" border="0" cellpadding="0" cellspacing="0"> <tbody><tr> <td align="center" valign="top" style="color:#5d5d5d;font-family:Verdana,Geneva,sans-serif;font-size:12px;padding:4px 0px"> <span>Downtown Boulder<span> | </span></span><span>1942 Broadway #301<span>, </span></span><span></span><span></span><span>Boulder, CO 80302</span><span></span> </td> </tr> <tr> <td align="center" valign="top" style="padding:10px 0px"><br></td></tr> </tbody></table> </td> </tr> </tbody></table> </div> </td> </tr> </tbody></table></div> </div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-63067816275062543812021-05-18T08:55:00.001-07:002021-05-18T08:55:56.340-07:00A local fare to DIA: The 104L will service DIA at the Local fare rate. This route does not offer the same amenities as SkyRide buses such as additional luggage storage or driver assistance with handling or loading/unloading luggage.<div dir="auto">"<span style="color:rgb(69,69,69);font-family:ProximaNova,Helvetica,Arial,sans-serif;font-size:12px;background-color:rgb(255,255,255)"> The 104L will service DIA at the Local fare rate. This route does not offer the same amenities as SkyRide buses such as additional luggage storage or driver assistance with handling or loading/unloading luggage"</span><br><br><a href="https://www.rtd-denver.com/services/airport#:~:text=The%20104L%20will%20service%20DIA,handling%20or%20loading%2Funloading%20luggage">https://www.rtd-denver.com/services/airport#:~:text=The%20104L%20will%20service%20DIA,handling%20or%20loading%2Funloading%20luggage</a>.<br></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-19786875885142168712021-05-05T18:29:00.000-07:002021-05-05T18:30:02.412-07:00Coping with COVID with Dr. Kurt Papenfus, thanks to No Barriers!<div dir="ltr"><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div>[A really interesting medical perspective on his own COVID experience, and at the end, a very quick loss of immunity (so he got his shot, to restore it)]</div><div dir="ltr">No Barriers Podcast Episode 94: Coping with COVID with Dr. Kurt Papenfus<br>Original link: <a href="https://nobarriersusa.org/podcast/interview-with-dr-kurt-papenfus/">https://nobarriersusa.org/podcast/interview-with-dr-kurt-papenfus/</a><br><br>Erik and Jeff speak with Dr. Kurt Papenfus, about his experience with COVID-19 and its aftermath. Dr. Papenfus talks about how he utilized his experiences in the climbing world to help him survive and recover and offers advice on how to stay safe in our changing world.<br>Dr. Kurt Papenfus works in family practice and emergency medicine in the rural communities of Colorado. Kurt attended school at the University Of Colorado School Of Medicine where he graduated in 1986 and began to complete his internship and residency at St. Joseph Hospital in Denver, CO. Kurt has been involved in the Center for Disease Control, National Occupational Research Agenda, Oil and Gas Sector Council, and was an Occupational Safety and Health Administration Advisory Council member. Kurt was also the doctor for the USA Climbing Team on Mt. Everest with the USA-Soviet-Chinese in 1990 and 1992 and can be remembered as the doctor on staff for the movie "Cliffhanger" in which Sylvester Stallone played an important role.<br>Resources:<br><br>Dr. Papenfus featured on CPR<br><br>Read Breath by James Nestor<br><br> <br><br> <br><br>"One thing COVID and especially bad COVID can do to you is humble you really quick."<br><br>Write a Review<br>Download the Episode<br>View Full Episode List<br><br>Episode Transcript<br>Dr. Kurt : One thing COVID and especially bad COVID can do to you is humble you really quick. COVID isn't like in a bar fight it just runs by and hits you over the head of the bottle and takes off. COVID's the kind of disease that's going to sit there. And if you get back up, he's going to knock you down. And if you keep moving, it'll kick you when you're down. It's a weird disease. Right when you think you're over it, it'll come back and hit you again.<br><br>Erik : It's easy to talk about the successes, but what doesn't get talked about enough is the struggle. My name is Erik Weihenmayer. I've gotten the chance to ascend Mount Everest, to climb the tallest mountain in every continent to kayak the Grand Canyon. And I happened to be blind. It's been a struggle to live what I call a no barriers life, to define it, to push the parameters of what it means. And part of the equation is diving into the learning process and trying to illuminate the universal elements that exist along the way and not unexplored terrain between those dark places we find ourselves in, in the summit exists a map. That map, that way forward is what we call No Barriers.<br><br>Jeff : Dr. Kurt Papenfus works in family practice and emergency medicine in the rural communities of Colorado. Kurt attended school at the University of Colorado School of Medicine, where he graduated in 1986 and began to complete his internship and residency at St. Joseph hospital in Denver, Colorado. Kurt has been involved in the CDC National Occupational Research Agenda, Oil & Gas Sector Council, and was an Occupational Safety and Health Administration Advisory Council member. Kurt was also the doctor for the USA climbing team on Mount Everest with the USA Soviet Chinese in 1990 and 1992. And can be remembered as the doctor on staff for the movie Cliffhanger in which Sly Stallone played an important role.<br><br>Erik : You're a unique doctor athlete Kurt, because I met you and Aspen years and years ago, you were emergency room physician there I think. So you have a lot of experience with high altitude medicine. You are also a climber. You are also the doctor for like the 1990, 1992 Everest expeditions. When I think there was a US team and a Chinese team and a Soviet team all coming together.<br><br>Dr. Kurt : Right.<br><br>Erik : So you have tons of experience. So then when this pulmonary disease happens, you're also emergency room physician and an expert in other areas, you're in a rural community on the Eastern Plains of Colorado And you're the sole doctor, right? In this and this emergency room?<br><br>Dr. Kurt : Yeah. So I'm basically the only doc that's out here full-time and everybody else just flies in and does some work and out. And I used to do a week on a week off, which as I realized now is, is way too much. I'm not going to do that again. Because maybe when I was 30, I could get away with that stuff. But you know, I turned 63 with COVID, November 2nd. And by the way, for my birthday COVID gave me COVID diarrhea at 1:00 AM. And COVID gave me the COVID headache at about 2:30 in the morning. On top of COVID pneumonia, which was really a shitty birthday.<br><br>Erik : That's excellent. That's good. Good humor.<br><br>Dr. Kurt : So yeah, it's funny, "How did you get to the hospital?" you ask a patient, they go, "Well by the ambulance." And it's like, "Well, let's rewind a little bit behind that." And then you'll get the one wise guy that goes, "Well, I was born in 1850." And, I used to hang out with Hunter Thompson and that was his doc for a while, which is another interesting story.<br><br>Erik : Dude.<br><br>Dr. Kurt : But fear and loathing in the COVID, I think it's going to, I'm going to call it Fear and Loathing in the Heart of COVID Darkness.<br><br>Erik : I love it.<br><br>Dr. Kurt : Because I'm a doc and I'm also... We started with our CDC group, started paying attention to this stuff back in November. And we found, they went back and looked at blood samples in December that were taken for other things and testing them for COVID and guess what? We had COVID in our country in December and nobody knew it because nobody was looking for it. And only when that nursing home in Washington State got hammered and people started dying, then we started paying attention to it. But up to that point, it was kind of like an academic thing. And you know, our country really wasn't revving up for what was coming because some people didn't think it was going to happen. But you know, the bottom line for that is who needs to worry about nuclear war right now?<br><br>Dr. Kurt : I mean, this stuff just talks about what we need is a really good nasty virus and set it free and you can kill a bunch of people and leave all the buildings and everything standing to take over and you don't have to worry about radiation down the road. I mean, this was a really interesting exercise just if you're into bio terrorist stuff. So our country and every country, better really be paying attention to this stuff because this was a good trial run.<br><br>Dr. Kurt : But that being said, we're paying attention to COVID, I'm at a CDC meeting talking about what we're going to do with COVID with oil and gas workers on this friend of mine literally goes in the ICU and I've always had a theory that if you're in deep shit, what do you need to do? You need to find somebody who's been in the same deep shit and got out of it and you get a hold of them and you find out how did you stick the landing?<br><br>Dr. Kurt : You know, that's with climbing that's with everything. When I was on Everest, I was hanging out with the really smart guys who'd been on Everest a bunch and just kind of did what they did. When you get sick with a lung disease it's helpful to have learned a lot about lungs at altitude. But national Jewish pulmonologists were actually pretty impressed I knew that much about lungs, because most docs maybe knew that much and forgot it. Also about hypoxia, hypoxia and altitude and you know, I could tell him exactly how I felt with O2 sats of 75%. I mean, that's not that freaky, people can live at sats that low. The freaking thing about COVID is how you can start out in the nineties and then within hours be in the seventies.<br><br>Jeff : Yeah. And there at first it sounded like a lot of folks were like, "I need to take your phone from you so we can rapid sequence and intubate you." Because they're walking and talking with the sat and the low to mid seventies and everybody freaks out, like, "We're not used to seeing this." And I've thought to myself, "I've seen, I've seen sats in the seventies at 8,000 meters with every single person and they're all walking and talking." But the evolution of how we interpret that has changed dramatically in the past 14 months, or sorry, 11 months.<br><br>Jeff : You're treating patients, you're seeing people die. You're going through these experiences. Did you, throughout the summer and early fall of 2020, feel like it was almost inevitable like that you were heading down that path and at some point it would hit you. And then when it did you weren't shocked or?<br><br>Dr. Kurt : Yeah, well kind of like everybody after months and months and months, you kind of get COVID fatigue. And at one point I just thought, "Well for as old as I am, I'm pretty in pretty good shape. I think I can handle it". Which was kind of arrogant in a way, because one thing COVID, and especially bad COVID, can do to you as humble you really quick. And if you don't get humbled really quick, it'll come back and make sure you get humbled because COVID, isn't like in a bar fight, it just runs by and hits you over the head of the bottle and takes off COVID. COVID's the kind of disease that's going to sit there. And if you get back up, he's going to knock you down. And if you keep moving, it'll kick you when you're down.<br><br>Dr. Kurt : It's a weird disease. I mean, I've fought for 33 years. I fought all kinds of illnesses, but COVID is the only illness I can say there was a darkness about it. And what I mean by that is just having fought at hand-to-hand, you fight anything hand-to-hand, you kind of know about it more than your typical person would. So it tips its hand to you on certain tactics. So I kind of got an intimate look at how it kills people and part of it is it just, it doesn't quit. Right when you think you're over it, it'll come back and hit you again.<br><br>Dr. Kurt : You know, I've been telling all my old cowboy friends, which by the way back, I'm in cowboy country. And back in the day only bad guys and outlaws wore masks and that was the attitude.<br><br>Dr. Kurt : Well we've seen a shift in thinking about that. I mean, some guys wouldn't wear a mask no matter who flew in and told them to wear a mask, including Biden or Trump or pick your person. Some of these guys are just like, "You and who's army?" And that's the way it's going to be. But a lot of them live out in their ranch compounds and come into town once a month, kind of a thing. I mean, my county, Cheyenne County, Colorado has 1800 people basically in about 1800 square miles. So population density is roughly a person per square mile, which is really good in a pandemic. I had some CDC guys want to trade me counties. And I said, "No, I don't think so."<br><br>Erik : Kurt, how'd you go from fancy pants, Aspen as a doctor to the prairies of Colorado, right on the border of Kansas?<br><br>Dr. Kurt : That is such a good question, Erik. I get that all the time.<br><br>Erik : Yeah.<br><br>Dr. Kurt : So I was up in Aspen from God '88 to 2018. So we were up in Aspen for 30 years and I originally went from being a surgical resident. I went up to Aspen to be an ER doctor ski bum, to kind of figure out what I wanted to do with my life. And I kind of liked it. Then I met my wife up there and then I get to brag that, in my eyes, at least I married the prettiest girl in Aspen, which is pretty cool to do. So now I have that going for me and we're living up there and we have two, two sons, Andrew and Stephan. So they couldn't find a doc again. So I came out here in '89, '90, '91, two weeks on two weeks off and flew my falcons. And then I go back to Aspen and hang out.<br><br>Erik : Like true falcons, so people know that you actually have a falcon and you're into falconry.<br><br>Dr. Kurt : Yeah, yeah. I've been flying [crosstalk 00:10:14].<br><br>Erik : Saturday Night Live falconry. The real thing.<br><br>Dr. Kurt : No. And you know you're living in Aspen. When you say a fly a falcon and they say, "Oh, is it the 650 or the? You know what I mean? It's like, "No, it's the kind with feathers."<br><br>Erik : Yeah.<br><br>Dr. Kurt : Out here you don't get that. It's like, "Oh." So right now I've got a Peregrine Falcon. That's that;s a pure Rocky Mountain and Autumn Peregrine Falcon. I've always wanted to fly one. Since I saw one up on Ralston V it's up by Coal Creek, back in '64, when I was a kid. I was about seven then I think, and I did that peregrine Falcon reintroduction work, where I basically lived in a tent and watched falcons for the government back in '76, '77.<br><br>Erik : So you wind up on the prairie there and Cheyenne Wells and you decide to take a trip, right? You said you got a little lax, I guess. And you decide to take a trip and that's where you think you got COVID, right?<br><br>Dr. Kurt : So I make the strategic error, which is things look like they've died down enough. I'm going to fly to Boston. My brother-in-law just bought a new place on a Lake up in Maine. I've never been up in Maine during peak leaves. It's the second week in October. So we just decided we're going to go. Now we wear N95 masks. You fly first class because that way you get to use the first class bathroom. You're not in what I call the festival port-a-potty in the back of the plane right.<br><br>Erik : Nice.<br><br>Dr. Kurt : That's that's not a good idea. So we fly out there and no problem, fly back no problem. So I get on the train and people have been sending pictures of the packed train to DIA with complaints for months and months, I looked it up. And the DIA administrator said, "Well, nothing to worry about. You're only on the train for five minutes, six seconds at the longest." Well, one thing is if you're inches away from some young guy that doesn't even know they have COVID and they're spewing COVID out of their mask right in your face, you're probably going to get it in five minutes too. You don't need to be that CDC 15 minutes, number one.<br><br>Erik : Even with a mask?<br><br>Dr. Kurt : Yeah, even with a mask. I mean, well happened to me. I'm just counting down the minutes, going, "Okay. CDC says you have 15 minutes of close exposure time before you get it." The problem with just on the train and nobody's telling you about this, because they don't want you to know, but I put it in a letter to DIA in a formal complaint. When nothing happened, I sent out a letter to Mayor Hancock and I sent a letter to Governor Polis pointing out the problems. That's where I was really close to a lot of people. I had no clue who they were, where they came from. At any rate, so I'm pretty convinced. That's where I got it from. DIA would fight to the death saying "No, no, no, no, no."<br><br>Erik : And how long after that experience, did you start feeling symptoms and what were those symptoms?<br><br>Dr. Kurt : I'm on that flight and then exactly a week and an hour to the day of being on that train, I started getting this weird cough. And the best way to describe it is for your listeners who've ever had a kid with RSV where you just have to cough, cough, cough, cough it up, and then you're fine for a while, till you have to cough, cough, cough, cough it up. That's my symptoms exactly. And the national Jewish pulm guy says, "Yeah, that's exactly what's happening. When your immune system finally figures out, this COVID bad stuff, you basically slough your lung lining and you have to cough it up and it's like wet toilet paper." They're seeing that in intubated patients where they have all these mucus plugs and stuff and they have to go suck them out like an adult RSV.<br><br>Dr. Kurt : So I started that cough on the 27th, a week after the flight, it's a little bit late to develop symptoms, but it's well within that range. And except for that cough, not being able to sleep at night and my nighttime blood pressure is being really high. I felt really fine. I didn't feel sick at all.<br><br>Dr. Kurt : The next morning I was at Lincoln County when it started, I drive over to Cheyenne Wells. I'm a little bit tired and a little bit fatigued. I take a nap, but I don't feel bad. I don't have a fever or chills or anything like that. But that cough was weird enough where my MA who knows me well heard me cough and said, "What the hell was that?" And I said, "I don't know but I started at last night." So the nurse practitioner came out and wanted to know about it. And basically, he started with, "You have a fever? You have chills?" Going down the list. And I said, "No, it's just this weird cough, but it's really weird. I've never had it like this before. Maybe we better get a test."<br><br>Jeff : Did you feel when that process started to take over, did you sort of say, "Okay, this doesn't surprise me." Like at some point I feel like I was in the shooting range and the cross hairs were going to hit me at some point. And then I guess I'd like to hear how you felt as a patient and the vulnerability comes with that, especially with the nuance of COVID, like you said, it's so unique in the sense that not only are you sick as hell, but it's an isolated illness.<br><br>Dr. Kurt : So you're right, Jeff, it was like, "Sooner or later, I'm probably going to get this, but I think I'm pretty healthy. I think I can handle it." So I go in, and my chest x-rays normal on, on 11/3, I get a CAT scan, 11/4 and it shows COVID bilaterally in all segments of my lungs. Now that COVID was there just the chest x-rays didn't show it. But the scan, once I had the scan done that Wednesday night, the fourth, that immediately staged me into, "Wow, you're in the COVID red zone because you got it all over in your lungs." Now the people they always ask, "Well, did you lose your taste of smell or tastes?" And I said, "No, I didn't." those tend to be the people that get it in the upper airway, the sinuses and stuff.<br><br>Dr. Kurt : So it's actually a good thing. If your coffee tastes like water for a week or two, because, that's why you have sinuses and stuff to prevent that stuff from getting into your lungs. So that worked well for them.<br><br>Jeff : Right.<br><br>Dr. Kurt : You know, if you have it in your sinuses and stuff, there's only so many sinus cells and things it can divide and conquer, but once it gets into your lungs, man, there was a way more lung cells that it can do damage to. Plus, you can live with plugged sinuses for a while and you see your coffee tastes like water for even a month.<br><br>Jeff : That's anecdotally that was my process last, late February. It was exactly that it stayed, it stayed north of the neck. It felt like other than some heavy chest pressure. And the more I looked into it, the more I realized, like, "I'm one of those lucky few that sort of didn't allow it down that freeway down into the lower lobes where it wanted to sit."<br><br>Jeff : So while I've got the mic, I really want to know where your brain was at this point about where your fear was. Were you scared when you realized like, "All right, I see my CT scan, I potentially could throw a clot any minute, fear is becoming a real issue here." Or where you always, were you calm?<br><br>Dr. Kurt : When it hit me really hard was that Thursday morning I sent my CAT scans and my labs back to my smart docs. And the one smart doc in Denver, who's a God he's a professor in toxicology of internal medicine, critical care and emergency medicine, really smart guy that I trust a lot. So Thursday morning when he calls me and he says, "You're dying in Cheyenne Wells, you better get your ass to Denver right now. You're not sick enough to be in the helicopter yet, but you need to go. Your CAT scan of your lungs is horrible. And you're going to drop your sats at some point, but nobody knows when that's going to happen. But you're at the highest risk." These guys wouldn't have told me, get your ass in the ER.<br><br>Dr. Kurt : You know, I show up at St. Joe's [inaudible 00:17:45] and that they didn't like that. I didn't like that. So here comes the Remdesivir, here comes the steroids, here comes everything that the president got except monoclonal antibodies.<br><br>Erik : Which is like hundreds of thousands of dollars, right?<br><br>Dr. Kurt : Oh, it's crazy expensive. It's super hard to get. In my case, I thought I could get away with it, Jeff. I really did. But the second week it got me and it got me. Good.<br><br>Erik : So how bad did it get when you're at St. Joe's did they intubate you then? Or no.<br><br>Dr. Kurt : No. I never, never got intubated. So they almost took me to a step-up unit, which is their high flow oxygen. Because again, you don't intubate somebody unless you absolutely have to. Because being intubated with COVID is almost like a premorbid thing that they found. Intubating a COVID patient's a bad idea, unless you absolutely, absolutely have to do it.<br><br>Dr. Kurt : So about a week out, I get admitted and got all this stuff done on Thursday. Well, the following Tuesday, they want to discharge me from the hospital because I've gone through the COVID protocols and I'm out of the algorithms. So one doc comes in and wants to send me home. And you know, it's bad when you literally tell this to your attending doc, "Look, the only way I'm going to leave this hospital today..." Quote, unquote, "The only way I'll leave this hospital today is handcuffed to a wheelchair and in security is throwing me out the front door. And that's my final answer." Unquote. So I stood them down. And then good thing, because that night I go into a full-blown [sers 00:19:10] with a fever, chills, my white count's 12,000, my chest x-ray it looks terrible. You know, that's the night I was going to die. And people said, "If you would have been sent home that night, you were dead." Which kind of worried me.<br><br>Jeff : So it was the diagnostics, it was the drop and the diagnostics that saved you because the attending there was ready to boot you out.<br><br>Erik : If you were a non-doctor, nonmedical person, they would have discharged you, you would have been able to fight back or say, "Hey, no, that's not a good idea." You would have just gone home and maybe died.<br><br>Dr. Kurt : Yeah, well you would, would've gone home and probably been septic and coming back in by ambulance, or they just would've found you dead. That's where having medical knowledge was really handy. And I did, what's called in climbing world of self rescue. And I did that a couple of times. That was a big one though, because what it was Jeff was that little red light in the back of my head that goes off when there's somebody really sick that I got to pay attention to. And that's something you get by doing years and years of this stuff, and knowing what sick is.<br><br>Dr. Kurt : There's like a sixth sense, you get like all those old climbers just have a sixth sense about stuff. You know, they look at all the numbers and all that, but then they listen to this sixth sense and it says, "Today's not a good day to go." And you'll go, "Wait a minute. It looks perfect." And then later on here comes that weird storm. How did they know that? Well that red light was going on when this doc was trying to send me home and it wasn't for anybody else this time it was on for me. And I told her that, "I said, look that my warning indicator light's going off and I pay attention to it. And right now it's telling me, 'You're not listening to me. There's something that you guys are missing and I'm still sick and I can't get home yet.'"<br><br>Jeff : You've had plenty of grand experiences. You know, I'm sure this ranks up there with those that have been a hard stop on things. What is it in I guess not just a medical perspective and not maybe how you treat patients, but almost metaphysically. Like, what did this do for you? Where did this take you, that when you came out of it, it changed you in some fashion? And I'm not talking pulmonologcally. I'm talking about from your mentation and how you're looking at things. Is there a change in the optic?<br><br>Dr. Kurt : Yeah. I just appreciate the fact that you can take a deep breath without even thinking about it now. You know, you're not tied to all... Also, it's a good idea to be a climber if you get admitted to a hospital that has all these tubes and hoses hooked onto you, because you're literally doing rope management with all these hoses, going to the bathroom and stuff. I thought of that, but you know, it hit me hard and I had an epiphany basically. And it was getting close.<br><br>Dr. Kurt : Now for some reason, I just knew I wasn't going to die, but this wasn't going to be fun. And it wasn't. And I had to do some, literally I kind of got in my COVID brain at the time I got into hand to hand combat with what I called the Rona beast. After I kind of came out of it and I started to know. Because the thing with COVID is you think you're out of it and then it comes back again and it'll hit you again, again. And I can see it's real easy, where at some point you just say, "That's it, I'm done. Go ahead and kill me. Just don't make it hurt too bad." I mean, I totally get that.<br><br>Dr. Kurt : Meaning it's easier to die. Living's the hard part. Yeah, dying's easy. It's the living that's hard. And I just I guess after that kind of time slowed down. A lot of the crazy political stuff going on. I just didn't care about. I mean, that, to me, that was just kind of trivial stuff that, "Why are you, why you're so worked up about all this stuff\? number one, half of it's boogeyman anyway." But I just appreciated lights on Christmas trees. I mean, my whole thing was like, you can't have enough Christmas trees out in the world right now. If China had a bunch and Iran had a bunch, they'd probably be a happier country.<br><br>Jeff : I love that. I think back though, Kurt on your demographic that you're working with there and the ranches and the farmers, and maybe some of them that bought in, maybe some of them think it's total bullshit. And we realize that there is a large percentage of our populace that doesn't buy into it. So I think to myself, I wonder, I do wonder if it didn't work. I wonder if being sent to our room, the ones who are really thoughtful and intuitive and listen to science are the ones who are going to come out and you're going to be changed. But the people that we need to really evolve through this process and really just learn what it means to be smacked around a little bit and sent your room and come out. I wonder if they're really learn it. So what is your take? What's your spin on that, Kurt?<br><br>Dr. Kurt : Yeah. You know, the old saw you can't fix stupid, you'd have to work around it. That's part of it. You can talk to people and if they're not willing to listen just save your breath. But for me, from where I went and came back, you just appreciate the simpler things in life.<br><br>Dr. Kurt : Now what's interesting in Cheyenne County is I come out here and I see a lot more people wearing masks than when I left. And part of it is everybody knows me. And if, if doc could get whacked like that, man, you know, maybe it could be me too. So in a way, maybe I was like a sacrificial lamb in a way so that these guys will fricken get it.<br><br>Dr. Kurt : Now they're really old cowboys that Donald Trump could fly out here in a helicopter and tell them wear a mask and they would literally tell him, "Yeah, you and who's army?" Now guys like that, you got to kind of work with them and you know it's still technically a free country. You're still allowed to be as big an idiot as you want to be within the limits, right?<br><br>Erik : Yup.<br><br>Jeff : Yup.<br><br>Dr. Kurt : The other thing is do we all just go hide in our, in our COVID pods or COVID cones or hide in our basements and just come out when it's over. And I'm thinking, "Nah, we never want a war by hiding in our basements. We need to be out doing things, but we need to be smart about it." And that's where the economic argument comes in because there's a lot of people going, "Wait a minute, we can all hide and be safe, but we won't have a country to come back to because our economy's shot." And I've never seen an infectious disease... Which is I guess what these pandemics do is they wipe out your social structure and they take your economic foundation out from underneath you. And then the question is, how are we going to come out of this?<br><br>Dr. Kurt : And if you know your history, pretty much every great civilization kind of sort of gets taken out finally by some big pandemic and they didn't handle it right. So the jury is still out on this thing, but my point is with COVID is just... You know, I was even getting to the point where I just hope I get a little bit of it and get it over with because I'm just tired of it. I met a bunch of people like that too, including docs that they weren't wearing N95s because they just wanted to get it and get over with, and guess what? They got it. And like you, Jeff, couldn't smell things for a while and they were fine. Well, get on your knees and say, "Thank you. Thank you. Thank you. Thank you." After that one, because from my perspective, it's like, God, I could have died from this pretty easily. And I thought I was tough. So you just never know.<br><br>Jeff : Well, let's just say you are tough. You are tough. I don't think that's an indicator of tough versus not tough because if anything, we've learned, it's just such a lightning bolt of who is going to get tubed and who's going to lose their smell for a week, right? And it has really no discretion on that so.<br><br>Dr. Kurt : You don't know. The other problem they're finding out is you could have COVID like Jeff had, and three months later, all of a sudden, wind up not thinking clearly, and you can't walk a city block and they have no idea why that happens. So even when you think you're out of the woods, you're not quite out of the woods yet.<br><br>Dr. Kurt : Now I got hit hard enough where it hit my kidneys, hit my lungs, obviously, but it also hit my brain to where that really smart doc, they told me, "Get your in a Denver because you're dying now." Called me up in the hospital and said, "Normally you're such a smart guy. I trust you to haul me off the South call of Everest, put me in a Gamow bag and save my life. But now your critical thinking is so degraded. I wouldn't trust you to drive me across the street." Well, that gets your attention too. And so I'm kind of on a hard stop. I haven't practiced medicine since October 28th. Now they're thinking my reasoning and critical thinking is coming back enough to where in February, I might be able to do some clinic stuff, but they're still not sure I'm going to get back to being an ER doc again, for instance.<br><br>Erik : You know, just talk to everybody about how COVID is affecting rural communities. Because like I read just what South of you, there's 1,000 folks that came down with COVID, people are compromised. There's more diabetes, there's more challenges with people's obesity and things like that out there. So yeah. Talk about maybe people forget that COVID is affecting the rural community of the US and Canada and so forth and around the world.<br><br>Dr. Kurt : The problem with rural is, first of all, recognizing it was even a problem because you had so many deniers out here. And so many people that didn't think it was really real. Well, when some of the old ranchers and farmers and everybody knows everybody out here starts dropping dead, then that started getting people's attention. The fact that I was in the hospital for all those days, that got people's attention. And I kind of thought this too, "We're just so spread out that we're not really a sitting duck." Meaning we can't get enough COVID in people that are so close together to really get a good mini pandemic, rurally going, and rural people thought that. Well, the people that live in the medium sized towns like Cheyenne Wells, which is Cheyenne County's seat is like maybe 800 people, 900 people.<br><br>Dr. Kurt : So 900 people live in fairly close proximity and the rest are pretty much spread out on ranches except for maybe a small town called Arapaho and a small town called Kit Carson. So at first, everybody was thinking, "We're going to get up and get away with this because this is a city problem because they're all stacked up on top of each other." And initially it was, but then that dreaded second wave where COVID came out and started picking on the rural counties hit. And the problem with that is it doesn't take too many sick people to fill up your hospital and to wipe out your nursing staff, wipe out your docs. And I guess what got the press's attention was me being kind of the doc for Cheyenne County, getting sick and being gone. They kind of latched onto that before it really started to hit hard in the rural communities, which is what do you do when your caregivers are out with COVID? You're just stuck because you just can't call on help because help is literally miles away.<br><br>Dr. Kurt : Like you said, the doc that's spelled me my first week had to drive 10 hours from Fort Worth to drive up here, to work the week that I was going to work. You just have such a shallow bench. But even the cities found out like New York. I mean, they had to import docs and nurses and stuff to help them out because they just didn't have enough people. Or what I say to you, you just ran out of army guys.<br><br>Jeff : Yeah.<br><br>Dr. Kurt : So it's hit the rural area that it's kind of come and gone now. Now we're kind of down to a low boil again, which is good. What we're worried about now is that new variant that was over in Simla, which is a couple of counties east of us. If that's much more infectious, is that going to cause a problem? But like I say, I'm seeing a lot more masks here. People are a lot more aware of it than before I even got sick. You know, the old deal saw with the cowboys out here as only bad guys and outlaws where masks, which I had to remind them, "Well get the guys in the banks are actually wearing the masks now."<br><br>Erik : No shit.<br><br>Dr. Kurt : New sheriff's in town called COVID.<br><br>Jeff : Yeah. Kurt, thank you so much, man. That was really illuminating for everyone to learn about your personal story and your take on COVID and plus all your great climbing analogies of course.<br><br>Dr. Kurt : Well, thanks you guys. Every time somebody interviews and asks you things about it, they'll point out new things that even you didn't think about. So I appreciate that.<br><br>Erik : Yeah.<br><br>Jeff : It's probably therapeutic for you to go through the whole process again too.<br><br>Dr. Kurt : Yeah, it kind of is. Especially now that I'm thinking more clearly too.<br><br>Jeff : And Kurt give us some advice. Like you gave me some good advice about vitamin D and stuff like that. Just throw a little advice out to people, how they can prophylactically prevent COVID.<br><br>Dr. Kurt : Prophylaxis is good. It's like, what's the best way to treat COVID? Well, don't get it to begin with.<br><br>Jeff : Right.<br><br>Dr. Kurt : Prophylaxis is a big deal. And I keep telling people its situational awareness. It's if you go into a place where there's a bunch of people, a people herd you're going into a COVID herd too. And it's amazing when people don't have that situational awareness. Now us climbers do, because in a climbing situation, yeah you better have it or else you're probably not going to live too long because you're going to be the guy that points out the crevasse to everybody because you went in it, so that's part of it.<br><br>Dr. Kurt : You know, I think the other part is just there is some science behind wearing a mask and all that now. Now, if you're out on a combine or riding your horse out in the prairie with nobody around you, obviously you don't need to wear it. So I take a mask and when I'm in with a bunch of people or going into a closed space with a bunch of people, hell yah, I'm going to wear it.<br><br>Dr. Kurt : And technically I can't get get COVID again, although they just did my antibody titers, and they're back down to basically negative, which means I got to get the shot this week.<br><br>Jeff : Wow that was quick.<br><br>Dr. Kurt : And that kind of threw CDC through a loop, because they thought as bad as I had COVID I'd be probably immune for six months. [crosstalk 00:32:59].<br><br>Jeff : That's kind of shocking actually, because I hadn't heard that it would diminish that much, that quick.<br><br>Dr. Kurt : It got my attention.<br><br>Jeff : And I'm sure your looks from your background, like you're a pretty voracious reader. If you haven't done so already. I think this is the perfect book for you to read right now. It's called Breath by James Nestor. Have you heard of this book?<br><br>Dr. Kurt : You know, I haven't, but I'm going to write it down right now.<br><br>Jeff : Yeah, please read it. Erik and I were just talking about the last podcast, but right now I think you would really get a kick out of it because it has some really interesting historical references and some shape-shifting information on just that simple task of breathing. And because it was just such a valuable thing that you almost lost, I think you'd get a real big kick out of it. I just read it a couple months ago and I'm going to read it again. It's just that kind of book. It just came out. It's called Breath by James Nestor. Give it a read and tell other folks too to read it because I think it's a really important thing for us to take in.<br><br>Dr. Kurt : That's a good point, Jeff, because just the very simple act of breathing, which you do automatically, you don't have to think about it for most people, but when you kind of lose that just the simple act of just taking a deep breath and moving air in and out is just kind of mission critical.<br><br>Jeff : Yeah.<br><br>Dr. Kurt : When you get bad COVID you get to the point where you appreciate just that very simple act, that everybody else just takes for granted. I mean that's life is at its fundamental basics right there.<br><br>Jeff : Thanks Kurt.<br><br>Erik : No Barriers to everyone, Kurt maybe I can hold your falcon again and we can go out and you can show me how that's done.<br><br>Dr. Kurt : Yeah. I'll bring her out there. I'll actually send, if I can figure out a way to get a hold of you, Jeff, I'll send you a picture of Erik holding the falcon, which is pretty cool.<br><br>Erik : All right.<br><br>Jeff : Right on.<br><br><a href="https://nobarriersusa.org/podcast/interview-with-dr-kurt-papenfus/">https://nobarriersusa.org/podcast/interview-with-dr-kurt-papenfus/</a></div><div dir="ltr"><br><br></div></div></div></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-53775665644247249372021-04-02T17:15:00.000-07:002021-04-02T17:16:01.493-07:00TEDxCU 2021: free Tickets, Sun, Apr 11, 2021 at 2:00 PM | Eventbrite<div>TEDxCU 2021: Bounce Tickets, Sun, Apr 11, 2021 at 2:00 PM | Eventbrite<br><br><br><a href="https://www.eventbrite.com/e/tedxcu-2021-bounce-tickets-143328935705">https://www.eventbrite.com/e/tedxcu-2021-bounce-tickets-143328935705</a><br></div><div><br></div><div><div dir="auto">Join us for our 9th mainstage event on April 11th! The theme for our 2021 event is Bounce. Registration is free!</div><div dir="auto"><br></div><div dir="auto">To bounce is to rebound. To bounce is to ricochet. To bounce is to react. When we talk about the physics of a bounce, there is more damage to be done when an object bounces off another. It is the rebound and ricochet that cause the change, not the static. In life, we bounce back from hard times and into good ones. We bounce to and from new experiences and remember the old. We use the bounces of our life to tell our stories.</div><div dir="auto"><br></div><div dir="auto">Due to the global pandemic we will not host a live audience. Instead, we will be offering a free virtual event. Registration required. Event links will be e-mailed the week of the event to those who have registered.</div><div dir="auto"><br></div><div dir="auto">While registration is free, we do ask that you consider making a tax-deductible donation to TEDxCU. We are a student-centered team that relies on ticket sales and sponsorships to make our events a reality. Please consider donating: click here.</div><div dir="auto"><br></div><div dir="auto">TEDxCU is a project of the College of Media, Communication and Information and the Department of Communication at the University of Colorado Boulder.</div></div><div dir="auto"><br></div><div dir="auto"><br></div> Connie L. O'Dellhttp://www.blogger.com/profile/07249383933479340018noreply@blogger.com0tag:blogger.com,1999:blog-1895845305357009872.post-20589991158177663832021-04-02T17:01:00.000-07:002021-04-02T17:02:21.696-07:00Fwd: New research on the effectiveness of COVID-19 vaccines<div dir="ltr"><br clear="all"><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div style="font-size:13px"><div style="font-size:13px"><span style="font-size:small">From: </span><strong class="gmail_sendername" dir="auto" style="font-size:small">State of Utah COVID-19 Response</strong><span style="font-size:small"> </span><span dir="auto" style="font-size:small"><<a href="mailto:coronavirus@utah.gov">coronavirus@utah.gov</a>></span><br></div></div></div></div></div><div class="gmail_quote"><div dir="ltr" class="gmail_attr">Date: Fri, Apr 2, 2021 at 2:29 PM<br>Subject: New research on the effectiveness of COVID-19 vaccines<br></div><br><u></u> <div style="height:100%;margin:0;padding:0;width:100%"> <span class="m_-5416652578964991288mcnPreviewText" style="display:none;font-size:0px;line-height:0px;max-height:0px;max-width:0px;opacity:0;overflow:hidden">Why doctors urge you to get your second dose</span> <center> <table align="center" border="0" cellpadding="0" cellspacing="0" height="100%" width="100%" id="m_-5416652578964991288bodyTable" style="border-collapse:collapse;height:100%;margin:0;padding:0;width:100%"> <tbody><tr> <td align="center" valign="top" id="m_-5416652578964991288bodyCell" style="height:100%;margin:0;padding:0;width:100%"> <table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse"> <tbody><tr> <td align="center" valign="top" id="m_-5416652578964991288templateHeader" style="background:#ffffff url("https://mcusercontent.com/92798ec9a7a2c735ab074aed7/images/e94ec6e3-239f-417b-9eb9-4cd6df097603.jpg") no-repeat center/cover;background-color:#ffffff;background-image:url(https://mcusercontent.com/92798ec9a7a2c735ab074aed7/images/e94ec6e3-239f-417b-9eb9-4cd6df097603.jpg);background-repeat:no-repeat;background-position:center;background-size:cover;border-top:0;border-bottom:0;padding-top:0px;padding-bottom:0px"> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" class="m_-5416652578964991288templateContainer" style="border-collapse:collapse;max-width:600px!important"> <tbody><tr> <td valign="top" class="m_-5416652578964991288headerContainer" style="background:#transparent none no-repeat center/cover;background-color:#transparent;background-image:none;background-repeat:no-repeat;background-position:center;background-size:cover;border-top:0;border-bottom:0;padding-top:0;padding-bottom:0"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-collapse:collapse"> <tbody> <tr> <td valign="top" style="padding:9px"> <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" style="min-width:100%;border-collapse:collapse"> <tbody><tr> <td valign="top" style="padding-right:9px;padding-left:9px;padding-top:0;padding-bottom:0;text-align:center"> <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=49c0d6febf&e=00d349fbea" title="The Vaccine: Real Talk. Official vaccine information for the state of Utah." target="_blank"> <img align="center" alt="" src="https://mcusercontent.com/92798ec9a7a2c735ab074aed7/images/a35c6d25-5c91-46d1-805b-bb5cf218f239.png" width="485.04" style="max-width:625px;padding-bottom:0;display:inline!important;vertical-align:bottom;border:0;height:auto;outline:none;text-decoration:none" class="m_-5416652578964991288mcnImage"> </a> </td> </tr> </tbody></table> </td> </tr> </tbody> </table></td> </tr> </tbody></table> </td> </tr> <tr> <td align="center" valign="top" id="m_-5416652578964991288templateBody" style="background:#ffffff none no-repeat 50% 50%/contain;background-color:#ffffff;background-image:none;background-repeat:no-repeat;background-position:50% 50%;background-size:contain;border-top:0;border-bottom:0;padding-top:38px;padding-bottom:38px"> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" class="m_-5416652578964991288templateContainer" style="border-collapse:collapse;max-width:600px!important"> <tbody><tr> <td valign="top" class="m_-5416652578964991288bodyContainer" style="background:#transparent none no-repeat center/cover;background-color:#transparent;background-image:none;background-repeat:no-repeat;background-position:center;background-size:cover;border-top:0;border-bottom:0;padding-top:0;padding-bottom:0"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse"> <tbody> <tr> <td valign="top" style="padding:9px"> <table align="left" border="0" cellpadding="0" cellspacing="0" class="m_-5416652578964991288mcnCaptionBottomContent" style="border-collapse:collapse"> <tbody><tr> <td align="center" valign="top" style="padding:0 9px 9px 9px"> <img alt="" src="https://mcusercontent.com/92798ec9a7a2c735ab074aed7/images/3e39cb2e-5f07-461e-b3ea-aa06b544eee7.jpg" width="564" style="max-width:800px;border:0;height:auto;outline:none;text-decoration:none;vertical-align:bottom" class="m_-5416652578964991288mcnImage"> </td> </tr> <tr> <td class="m_-5416652578964991288mcnTextContent" valign="top" style="padding:0px 9px;color:#636363;font-size:16px;line-height:150%;word-break:break-word;font-family:Helvetica;text-align:left" width="564"> <h3 style="display:block;margin:0;padding:0;color:#444444;font-family:Helvetica;font-size:22px;font-style:normal;font-weight:bold;line-height:150%;letter-spacing:normal;text-align:left"> </h3> <p style="color:#636363;font-size:16px;line-height:150%;margin:10px 0;padding:0;font-family:Helvetica;text-align:left"><span style="font-size:28px"><span style="color:#003366"><strong>COVID-19 vaccines protect against spread of the disease</strong></span></span></p> <hr> <p style="color:#636363;font-size:16px;line-height:150%;margin:10px 0;padding:0;font-family:Helvetica;text-align:left">Many people wonder if the COVID-19 vaccine is effective against spread of the virus (also called transmission). Initially, this was something we weren't sure about. The vaccines are extremely effective at preventing vaccinated people from getting sick. But do the vaccines keep a person from spreading the virus to others?<br> <br> New <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=8618153d01&e=00d349fbea" style="color:#00477d;font-weight:normal;text-decoration:underline" target="_blank">research</a> shows strong evidence that the answer is yes! Earlier this week, the CDC released the results of a <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=c7b5eae19a&e=00d349fbea" style="color:#00477d;font-weight:normal;text-decoration:underline" target="_blank">study</a> that shows <strong>the mRNA vaccines (Pfizer and Moderna) reduce the risk of spread</strong>. The vaccines were also effective at preventing both symptomatic and asymptomatic infections. This is fantastic news because it helps answer the question the original clinical trials weren't designed to…. If the vaccines are not only effective against COVID-19 disease but also effective in preventing infection, including infections that didn't result in symptoms.</p> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="m_-5416652578964991288mcnDividerBlock" style="min-width:100%;background-color:#ffffff;border-collapse:collapse;table-layout:fixed!important"> <tbody> <tr> <td style="min-width:100%;padding:35px 18px"> <table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-top:2px dotted #616161;border-collapse:collapse"> <tbody><tr> <td> <span></span> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-collapse:collapse"> <tbody> <tr> <td valign="top" style="padding:9px"> <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" style="min-width:100%;border-collapse:collapse"> <tbody><tr> <td valign="top" style="padding-right:9px;padding-left:9px;padding-top:0;padding-bottom:0;text-align:center"> <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=e8230252d4&e=00d349fbea" title="" target="_blank"> <img align="center" alt="" src="https://mcusercontent.com/92798ec9a7a2c735ab074aed7/images/b4c6da0b-3235-493d-bc27-96d0f209cbcd.jpeg" width="400" style="max-width:400px;padding-bottom:0;display:inline!important;vertical-align:bottom;border:0;height:auto;outline:none;text-decoration:none" class="m_-5416652578964991288mcnImage"> </a> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-collapse:collapse"> <tbody> <tr> <td valign="top" style="padding-top:9px"> <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width:100%;min-width:100%;border-collapse:collapse" width="100%" class="m_-5416652578964991288mcnTextContentContainer"> <tbody><tr> <td valign="top" class="m_-5416652578964991288mcnTextContent" style="padding-top:0;padding-right:18px;padding-bottom:9px;padding-left:18px;word-break:break-word;color:#757575;font-family:Helvetica;font-size:16px;line-height:150%;text-align:left"> <br> <span style="color:#003366"><span style="font-size:28px"><strong>New: COVID-19 vaccines provide a stronger immune response than natural infection</strong></span></span> <hr>It may seem like natural immunity to COVID-19 is better than getting a vaccine. In fact, some people who've already been infected with COVID-19 wonder if they need the vaccine. <br> <br> Actually, <strong>COVID-19 vaccines produce stronger and more consistent antibody responses than natural infection</strong>. According to the <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=69e1186ec4&e=00d349fbea" style="color:#00477d;font-weight:normal;text-decoration:underline" target="_blank">medical journals and immunology experts</a> cited by <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=112489e534&e=00d349fbea" style="color:#00477d;font-weight:normal;text-decoration:underline" target="_blank">@ThoseNerdyGirls</a>, a volunteer team of female PhDs, MDs, and DOs who study and share COVID-19 research:<br> <br> <span style="color:#696969"><em>"In fact, a single dose of vaccine after a COVID-19 infection provides a turbo-boost of immunity, which is in many cases higher than the immune response for never infected individuals after two doses of the vaccine.<br> <br> "There are still many unknowns about natural immunity to [COVID-19] including how long it lasts. We do know that natural immunity is highly variable among people-for many it is high and durable, but some people produce low levels of antibodies that quickly fall below detectable levels.<br> <br> "COVID-19 vaccines are producing stronger and more consistent antibody responses, which is why vaccination is still recommended for those with previous infection."</em></span><br> <br> Read the original <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=46d5e4ec3f&e=00d349fbea" style="color:#00477d;font-weight:normal;text-decoration:underline" target="_blank">blog post</a> and find links to supporting evidence. </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="m_-5416652578964991288mcnDividerBlock" style="min-width:100%;background-color:#ffffff;border-collapse:collapse;table-layout:fixed!important"> <tbody> <tr> <td style="min-width:100%;padding:35px 18px"> <table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-top:2px dotted #616161;border-collapse:collapse"> <tbody><tr> <td> <span></span> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-collapse:collapse"> <tbody> <tr> <td valign="top" style="padding-top:9px"> <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width:100%;min-width:100%;border-collapse:collapse" width="100%" class="m_-5416652578964991288mcnTextContentContainer"> <tbody><tr> <td valign="top" class="m_-5416652578964991288mcnTextContent" style="padding-top:0;padding-right:18px;padding-bottom:9px;padding-left:18px;word-break:break-word;color:#757575;font-family:Helvetica;font-size:16px;line-height:150%;text-align:left"> <span style="color:#003366"><span style="font-size:28px"><strong>New: Vaccines likely protect against the new COVID-19 variants </strong></span></span> <hr>Just one dose of the COVID-19 vaccine significantly raises antibodies, which could neutralize new variants. Last week, the Journal of American Medical Association published <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=f3be66e9e7&e=00d349fbea" style="color:#00477d;font-weight:normal;text-decoration:underline" target="_blank">data</a> that shows <strong>vaccinated individuals neutralize COVID-19 variants better than people with natural antibodies</strong>.<br> <br> National Institutes of Health (NIH) <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=0cae0aaca0&e=00d349fbea" style="color:#00477d;font-weight:normal;text-decoration:underline" target="_blank">research</a> also suggests that COVID-19 vaccines respond to variants. While larger studies are needed, researchers note that vaccinated people are likely not affected by these three variants, and vaccines should offer protection against emerging variants. </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="m_-5416652578964991288mcnDividerBlock" style="min-width:100%;background-color:#ffffff;border-collapse:collapse;table-layout:fixed!important"> <tbody> <tr> <td style="min-width:100%;padding:35px 18px"> <table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-top:2px dotted #616161;border-collapse:collapse"> <tbody><tr> <td> <span></span> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-collapse:collapse"> <tbody> <tr> <td valign="top" style="padding:9px"> <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" style="min-width:100%;border-collapse:collapse"> <tbody><tr> <td valign="top" style="padding-right:9px;padding-left:9px;padding-top:0;padding-bottom:0;text-align:center"> <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=91f12c9706&e=00d349fbea" title="" target="_blank"> <img align="center" alt="" src="https://mcusercontent.com/92798ec9a7a2c735ab074aed7/images/89d055b1-ee2c-42fd-81aa-ba97c0a9054d.png" width="564" style="max-width:800px;padding-bottom:0;display:inline!important;vertical-align:bottom;border:0;height:auto;outline:none;text-decoration:none" class="m_-5416652578964991288mcnImage"> </a> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-collapse:collapse"> <tbody> <tr> <td valign="top" style="padding-top:9px"> <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width:100%;min-width:100%;border-collapse:collapse" width="100%" class="m_-5416652578964991288mcnTextContentContainer"> <tbody><tr> <td valign="top" class="m_-5416652578964991288mcnTextContent" style="padding-top:0;padding-right:18px;padding-bottom:9px;padding-left:18px;word-break:break-word;color:#757575;font-family:Helvetica;font-size:16px;line-height:150%;text-align:left"> <br> <span style="color:#003366"><span style="font-size:28px"><strong>Get your second dose!</strong></span></span> <hr>While research shows you get a boost of antibodies following the first dose of the COVID-19 vaccine, it's important to get your second dose. KSL's Graham Dudley interviewed local doctors who gave <strong>three reasons why the second dose is critical: </strong> <ol> <li><strong>Long-lasting protection</strong></li> <li><strong>Preventing spread of the disease</strong></li> <li><strong>Better response to mutations (variants) of the virus</strong></li> </ol> If you've had one dose of the Pfizer or Moderna vaccine, be sure to get your second dose. Of course, the Johnson & Johnson vaccine only requires one dose. To find out which vaccine you received, check your immunization card. Regardless of which vaccine you get, be cautious until two weeks after your final dose, when peak immunity is expected.<br> <br> Read Dudley's full article <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=acfcfb6a4c&e=00d349fbea" style="color:#00477d;font-weight:normal;text-decoration:underline" target="_blank">here</a>. </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="m_-5416652578964991288mcnDividerBlock" style="min-width:100%;background-color:#ffffff;border-collapse:collapse;table-layout:fixed!important"> <tbody> <tr> <td style="min-width:100%;padding:35px 18px"> <table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-top:2px dotted #616161;border-collapse:collapse"> <tbody><tr> <td> <span></span> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-collapse:collapse"> <tbody> <tr> <td valign="top" style="padding-top:9px"> <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width:100%;min-width:100%;border-collapse:collapse" width="100%" class="m_-5416652578964991288mcnTextContentContainer"> <tbody><tr> <td valign="top" class="m_-5416652578964991288mcnTextContent" style="padding-top:0;padding-right:18px;padding-bottom:9px;padding-left:18px;word-break:break-word;color:#757575;font-family:Helvetica;font-size:16px;line-height:150%;text-align:left"> <span style="font-size:14px"><span style="font-family:arial,helvetica neue,helvetica,sans-serif"><strong>Note to Subscribers:</strong><br> In a previous email, we stated that the Johnson & Johnson vaccine was given emergency use authorization (EUA) and "approved" by the FDA. The Johnson & Johnson, Moderna, and Pfizer vaccines are authorized for emergency use in the United States, but some readers are concerned about the use of the term "approved." EUA is designed to make medicine available during an emergency. COVID-19 vaccines are safe, even though they were developed quickly. <strong>No steps were skipped in developing COVID-19 vaccines.</strong> Scientists around the world have been working on this technology for more than a decade and worked together in unprecedented ways to share research findings. This is why it was possible to make not one, but three safe and effective vaccines available very quickly. The EUA and COVID-19 vaccine development process are explained by the FDA <a href="https://utah.us7.list-manage.com/track/click?u=92798ec9a7a2c735ab074aed7&id=6d80107769&e=00d349fbea" style="color:#00477d;font-weight:normal;text-decoration:underline" target="_blank">here</a>.</span></span><br> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="m_-5416652578964991288mcnDividerBlock" style="min-width:100%;background-color:#ffffff;border-collapse:collapse;table-layout:fixed!important"> <tbody> <tr> <td style="min-width:100%;padding:35px 18px"> <table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-top:2px dotted #616161;border-collapse:collapse"> <tbody><tr> <td> <span></span> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-collapse:collapse"> <tbody> <tr> <td valign="top"> <table align="left" border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width:100%;border-collapse:collapse" class="m_-5416652578964991288mcnBoxedTextContentContainer"> <tbody><tr> <td style="padding-top:9px;padding-left:18px;padding-bottom:9px;padding-right:18px"> <table border="0" cellspacing="0" class="m_-5416652578964991288mcnTextContentContainer" width="100%" style="min-width:100%!important;background-color:#424242;border-collapse:collapse"> <tbody><tr> <td valign="top" class="m_-5416652578964991288mcnTextContent" style="padding:18px;color:#f2f2f2;font-family:Helvetica;font-size:14px;font-weight:normal;text-align:center;word-break:break-word;line-height:150%"> <div style="text-align:left"><span style="font-size:14px"><strong>We're all in this together.</strong> We recommend everyone keep practicing the health behaviors we know reduce the spread of COVID-19: wear a mask around anyone you don't live with, wash your hands often for 20 seconds, keep at least 6 feet 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