Friday, August 29, 2014

Venere app/website great for booking hotels/hostels in Europe (was: Le soleil vous attend ! Bons promotionnels de 15 % valables jusqu'à dimanche)

Using Venere in Europe is a good thing to know about; it found accomodations in towns where the US-based consolidators and even TravelAxe did not find anything (such as in Dinan, France, as I recollect, and also found us a nice close-in hostel in Koln/Cologne, Germany, that we would have overlooked).  
They have a website and apps for both iPhone and Android, and while the native lang for the apps seems to be Italian, it is easy to change to English if you fiddle with it a bit.  Also, they seem to have a promo, below, if you read a little French!  
I did preload my credit card info on their website before leaving the US, this made it easy to book hotels from my phone while traveling.

Cheers,
Connie "Many Happy Beers to You" O'Dell

---------- Forwarded message ----------
From: Venere.com <newsletter@news.venere.com>
Date: Fri, Aug 29, 2014 at 5:50 AM
Subject: Le soleil vous attend ! Bons promotionnels de 15 % valables jusqu'à dimanche


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  Partez pour des destinations où le soleil brille encore
C'est le moment idéal pour prendre un bain de soleil ; les prix sont en baisse, les hordes de vacanciers ont déserté des plages qui deviennent alors un coin de paradis pour faire la sieste, bercé par le bruit des vagues. C'est le moment de souffler un peu et de profiter d'une myriade de destinations ensoleillées. Réservez avant dimanche et économisez 15 % supplémentaires!*
 
  Veuillez saisir le code ci-dessous dans le formulaire de réservation
 
LSUM15

Réservez votre séjour avant le 31 août 2014 et partez avant le 19 octobre 2014. La plupart des chaînes hôtelières sont exclues de l'offre. Cliquez sur ce lien pour consulter la liste des hôtels ne participant pas à l'offre.
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15 %
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Côte d'Azur
Venere
  à partir de € 38  
 
Languedoc Roussillon
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  à partir de € 31  
 
Corse
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Provence
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Iles Cyclades
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*Bon de réduction - Termes et conditions
1. L'utilisation de ce bon permet de profiter d'une réduction de 15 % sur le prix de votre nouvelle réservation de type « paiement à l'avance » dans les hôtels participants à l'offre. Pour pouvoir utiliser ce bon, vous devez être âgé d'au moins 18 ans, réserver avant le 31 août 2014, 23h59 (HNEC) et conclure votre voyage avant le 19 octobre 2014.
2. Ce code promotionnel ne peut en aucun cas être utilisé :
(a) dans les hôtels ne participant pas à l'offre. Visitez la page suivante http://www.venere.com/legal_popup/?lg=fr&type=terms_of_service#hotel_excluded pour consulter la liste des hôtels ne participant pas à cette promotion. La liste des hôtels participants est susceptible d'être modifiée à tout moment ;
(b)pour des réservations de type « paiement à l'hôtel » et
(c) des réservations dont le paiement est réglé en devises étrangères.
3. Il n'est possible d'utiliser qu'un seul bon de réduction par réservation et celui-ci n'est pas cumulable avec d'autres offres promotionnelles en cours.
4. La réduction ne pourra en aucun cas couvrir les taxes, coûts ou frais supplémentaires, y compris et non seulement les frais d'une personne supplémentaire, le coût des appels téléphoniques, la pénalité en cas d'annulation, le prix du parking ou tout autre supplément de prix quel qu'il soit. Le paiement de ces frais annexes devra être effectué soit au moment de la confirmation de votre réservation, soit directement à l'hôtel.
5. Ce bon de réduction n'a aucune valeur en espèces et ne peut ni être transféré, ni être revendu. Le coupon n'est pas valable en cas d'interdiction par la loi. Toute utilisation incorrecte du bon de votre part est interdite et pourra être interprétée comme une fraude. Nous nous réservons le droit de retirer ou modifier cette offre sans préavis.
6. Les termes et conditions de vente habituels s'appliquent à cette offre http://www.venere.com/legal_popup/?lg=fr&type=terms_of_service et toutes les réservations sont sujettes à disponibilité.
7.Cette initiative est promue par Venere.com.
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“Affordable Online Bachelor’s Degree Programs”, thanks to the Simple Dollar


The Simple Dollar: "Affordable Online Bachelor's Degree Programs" plus 1 more


Affordable Online Bachelor's Degree Programs

Posted: 28 Aug 2014 08:14 PM PDT

This is part of a four-part series on affordable online colleges and degree programs. The other articles cover affordable online colleges, affordable online master's degree programs, and affordable online MBA programs. Our goal with this series is to help anyone interested in online education find the best programs for the money and walk away with a quality degree.

Who Should Consider an Online Bachelor's Degree

Before getting into the list of the top five schools for an affordable online bachelor's degree, let's explore who an online degree is best for. That way, you can make the determination if you want to move forward with further research on individual schools and programs.

One of the main advantages to choosing an online bachelor's program over a traditional on-campus one is the flexibility it offers. Video recordings and online lecture notes mean you don't have to plan your day around school — you can plan school around your life. For working adults trying to balance the demands of a job and family life on top of getting an education, the ability to work through the material at your own pace is invaluable.

The rise of online education also opens up more opportunities to those who live far away from a traditional university campus. You're no longer limited to the few programs available through your local community college, so you're free to choose something that's more in line with your career goals and aspirations.

Of course, even the best online colleges don't offer the full variety of on-campus programs to their distance learning students, so it's best if you have a specific program in mind. If you're unsure of what kind of online bachelor's degree to pursue, you can look for a university with a wide variety of programs available.

The lower average cost of online universities is another reason to consider distance learning over an on-campus education, particularly if you are on a budget. Education is a big investment no matter which way you go, but by selecting an online program, you can expect a significant savings in tuition costs and less debt you'll need to pay back afterward.

You may be hesitant to consider an online bachelor's degree program because of the stigma that employers look at these students differently, but that just isn't true anymore. If you get your degree from a well-established, accredited university, like the ones listed below, no employer is going to be able to tell whether you completed your degree online or on campus.

Most Affordable Online Bachelor's Degree Programs

Here are the 5 best colleges for affordable online bachelor's degrees:

  1. Fort Hays State University
  2. SUNY College of Technology—Delhi
  3. Westfield State University
  4. Colorado State University—Global Campus
  5. Bellevue University

Fort Hays State University

Fort Hays State University-1
With undergraduate tuition of $182 per credit and more than 25 different bachelor's programs to choose from, Fort Hays State University rates as one of the very best options in the country for affordable, high-quality online study. The school's online student body is composed of 8,000 online students living in more than 20 different countries. Six hundred online courses are available every semester, ensuring you have the chance to take varied and interesting elective courses while still completing all your basic degree requirements on time.

Online Bachelor's Details

Location
Kansas
Application Fee
$30
In-State Tuition
$182/credit
Out-of-State Tuition
$182/credit
Acceptance Rate
96%
Faculty Average Online Teaching Experience6 Years
One-Year Retention Rates (2011)
77%
One-Year Retention Rates (2012)
73%
One-Year Retention Rates (2013)
N/A

Most Popular Online Bachelor's Degrees at Fort Hays State

  • Management
  • Marketing
  • Justice studies
  • Education
  • Political science
  • Psychology
  • Nursing
  • Philosophy
  • Management information systems

SUNY College of Technology—Delhi

SUNY College of Technology-Delhi
SUNY College of Technology—Delhi offers two world-class online bachelor's degrees in nursing and criminal justice. Both programs are designed as degree-completion programs, meaning you must hold an appropriate two-year associate's degree from an accredited college or university before enrolling. The nursing program is an RN-to-BSN program open to students who already hold both an associate's degree in nursing and a registered nurse's license.

Online courses at SUNY College of Technology—Delhi are pretty inexpensive at $245 per credit, placing the school among the nation's top 22 cheapest online bachelor's degree programs for out-of-state students. What's more, U.S. News & World Report's 2014 survey of online education names the school as the top place to earn an online bachelor's degree in the country, highlighted by the nation's single highest score for online faculty qualifications and training. If you're looking for a quality online nursing or criminal justice degree, this school is pretty hard to beat on a value-for-money basis.

Online Bachelor's Details

Location
New York
Application Fee
$50
In-State Tuition
$245/credit
Out-of-State Tuition
$245/credit
Acceptance Rate
96%
Faculty Average Online Teaching Experience5 Years
One-Year Retention Rates (2011)
63%
One-Year Retention Rates (2012)
67%
One-Year Retention Rates (2013)
68%

Online Bachelor's Degrees Offered at SUNY College of Technology—Delhi

  • Nursing
  • Criminal Justice

Westfield State University

Westfield State University
Westfield State University is home to a terrific selection of high-quality, cheap online bachelor's degree-completion programs designed for students who already have an associate's degree in an appropriate subject. Out-of-state tuition costs are relatively low at $260 per credit, placing the school in the top tier of affordable online bachelor's degree programs.

Even more impressive than the low tuition rate, Westfield State's online bachelor's programs are taught by the nation's third-best online faculty as ranked by U.S. News & World Report in 2014. These rankings are based on faculty qualifications and the caliber of ongoing teacher training programs focused on effective online teaching methods.

Online Bachelor's Details

Location
Massachusetts
Application Fee
$50
In-State Tuition
$260/credit
Out-of-State Tuition
$260/credit
Acceptance Rate
93%
Faculty Average Online Teaching Experience4 Years
One-Year Retention Rates (2011)
82%
One-Year Retention Rates (2012)
88%
One-Year Retention Rates (2013)
88%

Online Bachelor's Degree Programs Available at Westfield State

  • Business
  • Criminal justice
  • Sociology
  • History
  • Psychology
  • Liberal studies

Colorado State University—Global Campus

csu 2
Colorado State University—Global Campus delivers a diverse selection of bachelor's subjects, top-tier student services, and a highly qualified faculty well-trained in online teaching methods, all for $350 per credit hour. The school specializes in degree-completion programs, which require students to have at least one to two years of completed credits, depending on the degree subject.

Colorado State University—Global Campus also delivers a pretty unique set of degree specializations, which are essentially minor subjects you can add on to your degree major. These specializations are a solid way to develop a well-rounded skill set to give you an advantage in the job market. Nearly 25 undergraduate specializations are available, including a variety of subjects in the business and criminal justice fields.

Online Bachelor's Details

Location
Colorado
Application Fee
$25
In-State Tuition
$350/credit
Out-of-State Tuition
$350/credit
Acceptance Rate
96%
Faculty Average Online Teaching Experience8 Years
One-Year Retention Rates (2011)
70%
One-Year Retention Rates (2012)
76%
One-Year Retention Rates (2013)
84%

Most Popular Online Bachelor's Degrees at Colorado State—Global Campus

  • Accounting
  • Healthcare administration
  • Project management
  • Business
  • Information technology
  • Human services
  • Criminal justice

Bellevue University

Bellevue University
Although a little more expensive than other schools on this list at $375 per credit, Bellevue University still outranks most competitors on the bang-for-your-buck scale. What stands out most with this school is the sheer variety of degree options available to online students, a selection currently amounting to 45 subjects. You simply won't find a better selection of quality online bachelor's degree programs at other schools, regardless of price.

Bellevue University also eclipses many other quality schools when it comes to student engagement. U.S. News & World Report rates Bellevue University among the nation's best four online bachelor's programs on measures that gauge instructor responsiveness to student needs and overall student satisfaction.

Online Bachelor's Details

Location
Nebraska
Application Fee
$50
In-State Tuition
$375/credit
Out-of-State Tuition
$375/credit
Acceptance Rate
55%
Faculty Average Online Teaching Experience8 Years
One-Year Retention Rates (2011)
65%
One-Year Retention Rates (2012)
78%
One-Year Retention Rates (2013)
87%

Most Popular Online Bachelor's Degrees at Bellevue University

  • Graphic design
  • Web technologies
  • Legal studies
  • Banking operations management
  • International security
  • Business analytics
  • Nonprofit management

Most Popular Online Bachelor's Degrees

The number of affordable online bachelor's degree programs continues to grow as more and more universities from around the country are making their courses and faculty accessible to distance learners. The amount and type of programs offered varies from school to school, but there are a number of options available in the business, healthcare, information technology, and education fields, among many others.

Business

Business degrees are among the most sought-after online bachelor's programs there are. Many schools offer a variety of programs related to the business field, including business administration, accounting, and marketing. A bachelor's in any one of these is going to give you practical skills you can apply to a wide variety of careers, making a business degree one of the most versatile degrees you can earn.

Healthcare

Nursing degrees are among the most commonly offered online bachelor's degrees, but there are several other health care programs available to distance learners as well. A bachelor's in healthcare administration gives you a solid grounding in the technology used in the medical field and the critical thinking and management skills you need to find work as a hospital or nursing home administrator. Like the business programs mentioned above, degrees in healthcare are very versatile and the healthcare industry is so large that you should be able to find plenty of job opportunities in this field.

Information Technology

The information technology, or IT, field is rapidly growing and one of the most popular areas of study for online and on-campus students alike. Earning potential is high in this field and there are plenty of opportunities to specialize in areas like web development, network administration, software development, and more. In these programs, you learn about the newest developments in computing technology and get hands-on practice with the types of projects you'll be working on as an IT professional.

Education

There are many different online bachelor's degrees available in the field of education, including K-12, early childhood, and special education. These programs teach you the best ways to communicate and instruct children and prepare you for a career as a teacher in a public or private school or daycare. It also sets you up to pursue a master's degree in education, if this is something you're interested in doing.

The post Affordable Online Bachelor's Degree Programs appeared first on The Simple Dollar.

Self-Reliance, Part Two

Posted: 28 Aug 2014 07:00 AM PDT

Three weeks ago, I shared with you the first third of my favorite essay of all time, Self-Reliance by Ralph Waldo Emerson. Self-Reliance has profoundly affected my life in countless ways, and I find myself re-reading it every month or two. Each time I read it, it reveals something new to me, giving me something to think about.

The original essay, published in 1841, outlines the value and need for each of us to follow our own path in life, one that relies mostly on our own efforts. It's a call to do our own thing and to focus our energies in making our lives as independent as possible so that there are minimal consequences for doing our own thing.

Today, we're going to look at the "middle third" of that essay. As before, I'll be walking through the essay paragraph by paragraph, quoting large relevant pieces and then discussing them in my own words and experiences and relating them to the experiences of others.

As before, If you're not a big fan of 19th century writing, don't fret; you can feel free to skip the quoted parts below, as those just contain direct quotes from Self-Reliance. I'll reiterate the main points below the quotes and tie them into both my own experiences and the journey of self-improvement and financial independence we all find ourselves on.

If you would rather read the full essay on your own, you can read the full text of Self-Reliance at the Emerson website. It comes in at around ten thousand words.

A character is like an acrostic or Alexandrian stanza; — read it forward, backward, or across, it still spells the same thing. In this pleasing, contrite wood-life which God allows me, let me record day by day my honest thought without prospect or retrospect, and, I cannot doubt, it will be found symmetrical, though I mean it not, and see it not.

Our lives are full of patterns, even when life seems crazy and chaotic. Whenever we take time to reflect on our lives and really look for patterns, we start to see them. In fact, we see a lot of patterns.

Knowing those patterns can be incredibly useful. Many of those patterns are good in that they lift up our life, but some are bad – they bring us down. If we can figure out the bad patterns and focus on eliminating them or replacing them with good patterns, our lives improve.

There will be an agreement in whatever variety of actions, so they be each honest and natural in their hour. For of one will, the actions will be harmonious, however unlike they seem. These varieties are lost sight of at a little distance, at a little height of thought. One tendency unites them all. The voyage of the best ship is a zigzag line of a hundred tacks. See the line from a sufficient distance, and it straightens itself to the average tendency. Your genuine action will explain itself, and will explain your other genuine actions. Your conformity explains nothing.

One of the biggest difficulties is how different actions and patterns make sense at different times. A career choice that seems brilliant late at night when drinking with friends seems absolutely foolish in the morning.

The best ideas – the ones we should live our lives by – are the ones that seem wise at both points. If you're doing something right now that would seem incredibly foolish in a day or two, you're usually better off not doing it.

Be it how it will, do right now. Always scorn appearances, and you always may. The force of character is cumulative. All the foregone days of virtue work their health into this. What makes the majesty of the heroes of the senate and the field, which so fills the imagination? The consciousness of a train of great days and victories behind.

If you're confident that you are doing the right thing, do it. If it's something that makes sense to you no matter the time of day, do it. What holds people back from doing that is that they're afraid of what other people might think. Don't worry about appearances. If it's truly the best choice, the results will make it clear.

Don't let the potential of your friends or your coworkers looking at you oddly keep you from making the best choice for you and your life. Don't be afraid to spend less. Don't be afraid to go the extra mile at work. Don't be afraid to exercise or change your diet. Don't be afraid to take up a new hobby.

Go with what seems right for you.

A great man is coming to eat at my house. I do not wish to please him; I wish that he should wish to please me. I will stand here for humanity, and though I would make it kind, I would make it true.

If you want to be a great person, don't expect others to entertain and enlighten you. Instead, focus on how you can entertain and enlighten others.

The truly great people in life – the people everyone wants to know and the people everyone is always willing to help – are the people who give of themselves as much as possible. They share their wisdom and time and efforts and advice with others.

In history, our imagination plays us false. Kingdom and lordship, power and estate, are a gaudier vocabulary than private John and Edward in a small house and common day's work; but the things of life are the same to both; the sum total of both is the same. Why all this deference to Alfred, and Scanderbeg, and Gustavus? Suppose they were virtuous; did they wear out virtue?

Although the latter part of this quote is full of dated cultural references, Emerson's point still rings true. We single out great people in history (and the ones he mentions had significant impact in the previous millennium in Europe) and laud them and give them deference as though they are made of something more than we are.

That isn't true, though. When we hold someone in high regard because of some virtue of theirs, there is no reason we can't cultivate that virtue in ourselves. Why not authentically live like Christ? Or like Gandhi? They were people with traits that deserve respect, but we can build those traits in ourselves. We can live like them.

The magnetism which all original action exerts is explained when we inquire the reason of self-trust. Who is the Trustee? What is the aboriginal Self, on which a universal reliance may be grounded? What is the nature and power of that science-baffling star, without parallax, without calculable elements, which shoots a ray of beauty even into trivial and impure actions, if the least mark of independence appear?

To do something different than the people around us takes confidence. It takes trust in ourselves. If you don't trust yourself, you can't stand out from the crowd.

That's why it makes sense to regularly spend time breaking ourselves down to our core. What do you believe? What do you value? Challenge those things. Hammer them out, even if they end up pushing you in a different direction than you expect.

Eventually, you'll forge a set of core values and beliefs that you can really trust and rely on, and you can build on those to do whatever you want in life.

You should never fail to challenge your core beliefs and values. Sure, there's a risk of breaking them, but if you never challenge them, you never strengthen them. Without that strengthening, you don't have a strong foundation in your life.

The inquiry leads us to that source, at once the essence of genius, of virtue, and of life, which we call Spontaneity or Instinct. We denote this primary wisdom as Intuition, whilst all later teachings are tuitions. In that deep force, the last fact behind which analysis cannot go, all things find their common origin.

If we keep refining our values and ideas and, over time, strengthen them by forging them in the hot fires of doubt and question, we can deeply rely on them in every aspect of our life. Our instincts become more and more true. We're able to react naturally to different situations and our reactions are actually very good ones.

Spend time thinking about what you believe, what you want to achieve in life, and what those mean. Challenge them. Your whole life will be rewarded.

Every man discriminates between the voluntary acts of his mind, and his involuntary perceptions, and knows that to his involuntary perceptions a perfect faith is due. He may err in the expression of them, but he knows that these things are so, like day and night, not to be disputed. My wilful actions and acquisitions are but roving; — the idlest reverie, the faintest native emotion, command my curiosity and respect. Thoughtless people contradict as readily the statement of perceptions as of opinions, or rather much more readily; for, they do not distinguish between perception and notion.

Most people don't think about why their instinctive actions contradict the values that they hold dear when they actually think about them. When your life is full of those kinds of contradictions, it's hard to build your life into anything great. You only build to great things when your instincts match your conscious decisions.

If you ever find yourself wondering why you did something just a few hours or a few days earlier, you need to spend some time really thinking through that contradiction. Doing so will either strengthen or alter your instincts and eliminate those feelings in the future. The less you have those kinds of contradictions in your life, the better.

Man is timid and apologetic; he is no longer upright; he dares not say 'I think,' 'I am,' but quotes some saint or sage. He is ashamed before the blade of grass or the blowing rose.

For all the value that there is in hammering out our core values and trying to live by them, we are still often shaped and bent by society. It might feel right to do something, but when no one else around you is doing it, it's pretty scary to do it. Something else might feel wrong, but if everyone else around you is doing it, it's easy to join in. We naturally bend to the crowd.

The problem is that if we're bending in a way that goes against what we value, we end up with one of those contradictions, and it's those contradictions that undermine us, every single time.

I'll say it as clearly as I can: contradictions between our true values and our behaviors are a huge part of why we don't succeed. We might value hard work, but when we don't deliver it, we'll fail. We might value frugality and saving, but when we spend like crazy, we fail at our financial goals. Our values need to be in line with what we're actually doing to succeed at anything.

But man postpones or remembers; he does not live in the present, but with reverted eye laments the past, or, heedless of the riches that surround him, stands on tiptoe to foresee the future. He cannot be happy and strong until he too lives with nature in the present, above time.

We often overlook the wonderful things in the current moment as our minds are retelling the events of the past or thinking about the plans for the future.

I'm guilty of this myself. My children will want me to watch one of their favorite movies with them and rather than trying to enjoy the moment with them, my mind will reflect on the things I need to do this evening or whether or not that last article was well-written.

The more we focus on the moment by listening, by paying attention, by looking for the beauty in the current moment, the more we get out of our lives.

We are like children who repeat by rote the sentences of grandames and tutors, and, as they grow older, of the men of talents and character they chance to see, — painfully recollecting the exact words they spoke; afterwards, when they come into the point of view which those had who uttered these sayings, they understand them, and are willing to let the words go; for, at any time, they can use words as good when occasion comes. If we live truly, we shall see truly.

It is usually much easier to follow the ideas and quotes and path that others have beat down for us. We follow the steps without really understanding them until we reach a point where it all makes sense.

My own personal finance journey was exactly the same way. I always knew the basic steps of improving my personal finance state, but it wasn't until I actually did it and I saw the impact of taking those steps in my own life that I was able to really appreciate how much impact all of those choices had in the broader span of my life.

When I see a quote from someone who has achieved something great, I not only see it as advice as to how to make it to that stage, but also that I'll understand it in a much deeper way when I actually achieve something.

To talk of reliance is a poor external way of speaking. Speak rather of that which relies, because it works and is. Who has more obedience than I masters me, though he should not raise his finger. Round him I must revolve by the gravitation of spirits. We fancy it rhetoric, when we speak of eminent virtue. We do not yet see that virtue is Height, and that a man or a company of men, plastic and permeable to principles, by the law of nature must overpower and ride all cities, nations, kings, rich men, poets, who are not.

It's usually not worth wasting your time or breath or thought on things that don't work. Instead, we should be focusing on talking about things that do work or about how to bring things that aren't working into a better state.

Why waste our time criticizing others and speaking badly about them if the goal isn't to improve them? If you're not willing to put in effort to bring about improvement in whatever you're criticizing, don't waste your breath. Move on to something else.

Your words, efforts, time, and energy should focus on improvement, not destruction.

Thus all concentrates: let us not rove; let us sit at home with the cause. Let us stun and astonish the intruding rabble of men and books and institutions, by a simple declaration of the divine fact. Bid the invaders take the shoes from off their feet, for God is here within. Let our simplicity judge them, and our docility to our own law demonstrate the poverty of nature and fortune beside our native riches.

Rather than simply trusting and following whatever ideas and people come our way, put them to the test. Apply your hardened core virtues and ideas and see how these things stack up. Don't just follow the hot new thing.

Often, friends of mine and people I trust will introduce ideas to me. I try not to feel obligated to agree. Instead, I file that idea away for later and try to make up my own mind about it. There's no need to make a snap judgment unless you have to.

When I'm forced to, I'm hopeful that my instincts and core values are forged well enough that I'll make a good choice. Can I walk into a tempting place and not spend money? Can I engage in political discussion without emotions getting in the way? It can be really challenging.

Why should we assume the faults of our friend, or wife, or father, or child, because they sit around our hearth, or are said to have the same blood? All men have my blood, and I have all men's. Not for that will I adopt their petulance or folly, even to the extent of being ashamed of it.

Just because someone else is criticizing others or using poor language doesn't mean you have to engage in it. If it doesn't ring true with what you consider to be right, then you shouldn't bother doing it.

No matter how the winds of society are blowing around you, stick to your core values and your sense of right and wrong. No matter how the company around you behaves, stick with your own sense of right and wrong. Don't overturn them just because someone around you is doing something different.

I often have guests in my home who express ideas that I don't agree with or use behaviors I don't find to have any value. I don't imitate them or adopt their ideas just because someone I care about is expressing them. I also don't choose not to care about them because we're not in agreement. Sometimes, that can be hard, but it's always worth it.

But your isolation must not be mechanical, but spiritual, that is, must be elevation. At times the whole world seems to be in conspiracy to importune you with emphatic trifles. Friend, client, child, sickness, fear, want, charity, all knock at once at thy closet door, and say, — 'Come out unto us.' But keep thy state; come not into their confusion.

That doesn't mean you should separate yourself from the world. All it means is that you need to have the internal strength to make choices in line with what you value.

The world is full of temptations. We are constantly tempted to spend money in all kinds of ways and to spend our time in all kinds of ways. Most of the time, those choices aren't really in line with our core values.

The real trick of self-reliance is to be able to know when those things are truly in line with our core values and when they're not, and then having the strength of character to say "no" to those things that aren't in line with what we value. Society makes that hard, but we're better people when we're able to persevere.

I hope you'll check back in a few weeks as we take a look at the final third of this essay and see what it can teach us about self-reliance in this modern world.

The post Self-Reliance, Part Two appeared first on The Simple Dollar.



Friday, August 8, 2014

Rick Steves' packing list

https://www.ricksteves.com/travel-tips/packing-light/ricks-packing-list

Rick’s Packing List

Pack light, pack light, pack light.
By Rick Steves
Here’s a rundown of what should go in your suitcase:

Clothing

Shirts/blouses. Bring up to five short-sleeved or long-sleeved shirts or blouses (how many of each depends on the season) in a cotton/polyester blend. Shirts with long sleeves that roll up easily can double as short-sleeved. Look for a wrinkle-camouflaging pattern or blended fabrics that show a minimum of wrinkles. Synthetic-blend fabrics (such as Coolmax or microfiber) often dry overnight.
 Pants/shorts. Bring two pairs: one lightweight cotton and another super-lightweight pair for hot and muggy big cities. Jeans can be too hot for summer travel (and are slow to dry). Many travelers like lightweight convertible pants/shorts with zip-off legs. While not especially stylish, they’re functional in Italy, where you can use them to cover up inside churches while still beating the heat outside. Button-down wallet pockets are safest (though still not nearly as thief-proof as a money belt). If you bring shorts, one pair is probably enough. Shorts can double as a swimsuit for men when swimming in lakes or the sea.
 Underwear and socks. Bring five sets (lighter dries quicker). Bamboo or cotton/nylon-blend socks dry faster than 100 percent cotton, which lose their softness when air-dried.
Shoes. Bring one pair of comfortable walking shoes with good traction.MephistoEcco, and Rieker look dressier and more European than sneakers, but are still comfortable. Sturdy, low-profile tennis shoes with a good tread are fine, too. For a second pair, consider sandals in summer. Flip-flops are handy if you’ll be using bathrooms down the hall. Whichever shoes you bring, make sure they are well broken in before you leave home.
 Sweater or lightweight fleece. Warm and dark is best — for layering and dressing up.
Jacket. Bring a light and water-resistant windbreaker with a hood. Neutral colors used to look more European than bright ones, but now everything from azure blue to pumpkin orange has made its way into European wardrobes. A hooded jacket of Gore-Tex or other waterproof material is good if you expect rain. (For summer travel, I wing it without rain gear — but always pack for rain in Britain and Ireland.)
 Tie or scarf. For instant respectability, bring anything lightweight that can break the monotony and make you look snazzy.
 Swimsuit. To use public pools, you’ll need a swimsuit (men can’t just wear shorts; and in France, men need to wear Speedo-type swimsuits — not swim trunks).
 Sleepwear/loungewear. Comfy streetwear — such as shorts, leggings, T-shirts, tank tops, yoga pants, and other lightweight athletic gear — can be used as pajamas, post-dinner loungewear, and a modest cover-up to get you to the bathroom down the hall.

Documents, Money, and Travel Info

Money belt (or neck wallet). This flat, hidden, zippered pouch — worn around your waist (or like a necklace) and tucked under your clothes — is essential for the peace of mind it brings. You could lose everything except your money belt, and the trip could still go on. Get a lightweight one with a low-profile color (I like beige). For more, see my article on money belts.
Money. Bring your preferred mix of a debit card, a credit card, and an emergency stash of hard US cash (in $20 bills).
Documents. Bring your passport; plane, train, and rental car documents or vouchers; driver’s license; and any other useful cards (student ID, hostel membership card, and so on). Photocopies and a couple of passport-type photos can help you get replacements more quickly if the originals are lost or stolen. In your luggage, pack a record of all reservations (print out your hotel confirmation emails). Bring any necessary contact info if you have health or travel insurance.
Guidebooks and maps. Pack the travel info you’ll need on the ground (or download it into your ereader). I like to rip out appropriate chapters from guidebooks and staple them together, or use special slide-on laminated book covers.
Small notepad and pen. A tiny notepad in your back pocket or day pack is a great organizer, reminder, and communication aid.
Journal. An empty book to be filled with the experiences of your trip will be your most treasured souvenir. Attach a photocopied calendar page of your itinerary. Use a hardbound type designed to last a lifetime, rather than a floppy spiral notebook. My custom-designed Rick Steves Travel Journals are rugged, simple blank books that come in two sizes. Another great brand, with a cult following among travel writers, is Moleskine.
Small day pack. A lightweight pack is great for carrying your sweater, camera, guidebook, and picnic goodies while you leave your large bag at the hotel or train station. Don’t use a fanny pack — they’re magnets for pickpockets.

Toiletries and Personal Items

Toiletries kit. Because sinks in many hotels come with meager countertop space, I prefer a kit that can hang on a hook or a towel bar. Before cramming it with every cosmetic item you think you might use, ask yourself what toiletries you can live without for a short time. (But women may want to estimate how many tampons and pads they might need and pack them along — even though most familiar brands are sold throughout Europe, packing them is easier than having to buy a too-small or too-large box in Europe.) For your overseas flight, put all squeeze bottles in sealable plastic baggies, since pressure changes can cause even good bottles to leak. Pack your own bar of soap or small bottle of shampoo if you want to avoid using hotel bathroom "itsy-bitsies" and minimize waste and garbage.
Medicine and vitamins. Even if you check your suitcase on the flight, always carry on essential toiletries, including any prescription medications (don’t let the time difference trick you into forgetting a dose). Keep medicine in original containers, if possible, with legible prescriptions.
Glasses/contacts/sunglasses. Contact-lens solutions are widely available in Europe. Carry your lens prescription, as well as extra glasses, in a solid protective case. If it’s a sunny season, pack along sunglasses, especially if they’re prescription.
Sealable plastic baggies. Bring a variety of sizes. In addition to holding your carry-on liquids, they’re ideal for packing leftover picnic food, containing wetness, and bagging potential leaks before they happen. The two-gallon jumbo size can be used to pack (and compress) clothing or do laundry. Bring extras for the flight home.
Laundry soap. A tiny box of detergent or a plastic squeeze bottle of concentrated, multipurpose, biodegradable liquid soap is handy for laundry. I find hotel shampoo works fine as laundry soap when I’m doing my wash in the sink. For a spot remover, bring a few Shout wipes or a dab of Goop grease remover in a small plastic container.
Clothesline. Hang it up in your hotel room to dry your clothes. The twisted-rubber type needs no clothespins.
Small towel/washcloth. You’ll find bath towels at all fancy and moderately priced hotels, and most cheap ones. Some people bring a thin hand towel for the occasional need. Washcloths are rare in Europe, so you might want to pack a quick-drying microfiber one. Disposable washcloths that pack dry but lather up when wet (such as Olay’s 4-in-1 Daily Facial Cloths) are another option; cut them in half to make them last longer.
Sewing kit. Clothes age rapidly while traveling. Add a few safety pins and extra buttons.
Small packet of tissues. Stick one of these in your day pack, in case you wind up at a bathroom with no toilet paper.
Travel alarm/wristwatch. Make sure you have an alarm to wake yourself up (your smartphone, a little clock, etc.). At budget hotels, wake-up calls are particularly unreliable.
Earplugs. If night noises bother you, you’ll love a good set of expandable foam plugs. They’re handy for snoozing on trains and flights, too.
Hairdryer. These are generally provided in $100-plus hotel rooms. If you can’t risk a bad-hair day, buy a cheap, compact hairdryer in Europe or bring a travel-friendly one from home.

Electronics

Note that many of these things are high-ticket items; guard them carefully or consider insuring them.
Smartphone/mobile phone. Bring your smartphone to keep in touch with folks back home and for accessing resources on the road such as email, travel apps, and GPS. If you just want to make calls or send texts, a simple US mobile phone might work perfectly in Europe — or you can buy a cheap mobile phone to use while you’re there.
Digital camera. Take along an extra memory card and battery, and don’t forget the charger and a cable for downloading images.
Tablet, ereader, or portable media player. Download apps, ebooks, and music before you leave home.
Laptop. If you’ve got a lot of work to do, or want to keep your photoblog updated, a laptop can be worth the weight.
USB flash drive. If you’re traveling with a laptop, a flash drive can be handy for backing up files and photos. As an alternative, consider free cloud storage sites — such as Amazon Cloud DriveApple iCloud, or Dropbox — that you can access anywhere.
GPS device. If you’ll be doing a lot of driving and have a portable GPS device at home, you could buy European map data to use on vacation.
Headphones/earbuds. These are a must for listening to music, tuning in to audio tours, or simply drowning out whiny kids on the plane. (I never travel without my noise-canceling Bose headphones.) Bring a Y-jack so you and a partner can plug in headphones at the same time.
Chargers and batteries. Bring each device’s charger, or look into getting a charger capable of charging multiple devices at once.

Optional Bring-Alongs

I don’t advocate bringing everything listed here. Choose the items that fit with your travel style and needs.
Picnic supplies. Bring a plastic plate (handy for dinner in your hotel room), cup, spoon, fork, and maybe salt and pepper. The Fozzils picnic setfolds completely flat. Buy a Swiss Army–type knife with a corkscrew and can opener in Europe (or bring one from home if you’re checking your luggage on the plane).
Water bottle. The plastic half-liter mineral water bottles sold throughout Europe are reusable and work great. If you bring one from home, make sure it’s empty before you go through airport security (fill it at a drinking fountain once you’re through).
Fold-up tote bag. Look for a large-capacity tote bag that rolls up into a pocket-size pouch. Use it for laundry, picnics, and those extra souvenirs you want to take back home.
Small flashlight. Handy for reading under the sheets after "lights out" in the hostel, late-night trips down the hall, exploring castle dungeons, and hypnotizing street thieves. Tiny-but-powerful LED flashlights — about the size of your little finger — are extremely bright, compact, and lightweight. Camping-type headlamps also do the trick.
Small binoculars. For scenery or church interiors.
Inflatable pillow (or neck rest). These are great for snoozing in planes, trains, and automobiles. Some travelers also swear by an eye mask for blocking out early-rising or late-setting sun.
Duct tape. A small roll of duct tape can work miracles as a temporary fix — mending a punctured bag, solving an emergency shoe problem, and so on. Conserve space by spooling only as much as you might need (less than a foot) around a short pencil or dowel.
Insect repellent. Bring some along if you’re prone to bites and are going somewhere especially bug-ridden.
Tiny lock. Use it to lock your backpack zippers shut. Note that if you check your bag on a flight, the lock may be broken to allow the bag to be inspected. Improve the odds of your lock’s survival by buying one approved by the Transportation Security Administration — security agents can open the lock with a special master key. Or buy plastic locks or zip-ties to secure zippers — be sure to pack fingernail clippers or TSA-approved scissors so you can open them when you arrive.
Universal drain-stopper. Some hotel sinks and tubs have no stoppers. This flat, flexible plastic disc — which works with any size drain — allows you to wash your clothes or take a bath.
Office supplies. Bring paper, pens, envelopes (for letter writers), and some sticky notes (such as Post-Its) to keep your place in your guidebook.
Address list. If you’ll want to mail postcards, you could print your mailing list onto a sheet of adhesive address labels before you leave. You’ll know exactly who you’ve written to, and the labels will be perfectly legible.
Postcards/photos from home. A collection of show-and-tell pictures (either digital or paper) is always a great conversation piece with Europeans you meet.
good book. There’s plenty of empty time on a trip to either be bored or enjoy some good reading. Popular English-language paperbacks are often available in European airports and major train stations (usually costing more than their North American price). An ereader carries lots of books without the additional weight (and you can easily buy more as you go).
Gifts. If you’ll be the guest of local hosts, show your appreciation with small, unique souvenirs from your hometown.
Hostel sheet. These days, sheets are usually included in the price of a hostel, and if they aren’t, you can rent one for about $5 per stay. Still, you might want to bring along a sheet (silk is lighter and smaller, cotton is cheaper), which can double as a beach/picnic blanket and cover you up on overnight train rides.