1000 Ways to F This Up

This week, we talk about things to consider if you are thinking about relocating to a new area, Lexy lists things to think about. Philosophy/ideology Job Opportunities Fear of 'missing out' Genuinely sad to leave Never lived anywhere else Passions elsewhere Run out of reasons to stay Knowing yourself Andreya talks about evaluating costs of living. Cost of Living Calculators Cost of living: How far will my salary go in another city? Bankrate Cost of Living Calculator PayScale Cost of Living Calculator Cost-of-Living Wizard Variables to consider Rent Food costs Gas prices Daycare Cost of going to a movie Property, sales, and income taxes Job wages Steve discusses checking out a city's culture. Make a game of it Learn the History Walk Eat Local Volunteer Scavenger hunt Geocaching Do a bar crawl Take time to be a tourist Tony talks about considering weather and the fact that a lot of "experts" don't consider weather when relocating. Check yearly and monthly averages for an area. You could relocate to minimize the effects of global climate change. On a Warmer Planet, Which Cities Will Be Safest?

This week, we talk about gratitude. Anthony tells us what gratitude is according to the dictionary, the Yale Center for Emotional Intelligence, and Psychology Today. Lexy tells us why being grateful is important. Andreya lists several ways to maximize gratitude. Steve covers how gratitude is displayed in other countries and cultures. Shout Outs: Bella M Tony H Ryan E Virgil D Mikki D Nicole V New Likes Katherine C Loretta D

Tony tells us how many fifth graders can fit in his new smoker and what he got for christmas. Steve gives us the low down on his long christmas, the gift he got, and a video that accompanies it. Andreya tells us how her Christmas got ruined, and talks about giving gifts vs. receiving gifts. Lext touches on several small topics: Why I love my brother The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing Having people over The Squatty Potty miracle Tony's Star Wars pants Yellers vs non yellers Special thanks! Grant B Bella M Shares: Mary P Bella M

Andreya gives us a history of cookies. Steve tells us how cookies show up in numerous facets of our lives. Lexy runs down some regional cookie trends. Tony gives us COOKIE SCIENCE! The Chewie Our Promo Video Thanks! Virgil D (new like!) John WO (new like!) Hannah N (new like!) Bob S (new like!) Tony H Ryan E Sarah S Nestor M Mike J Kody B Mary J

Follow up: Tony was thinking of Thurgood Marshall. Lexy tells us why arguing is important. Andreya tells us how to have a non-aggressive argument. Steve tells us some of the most common things that couples fight about. Finallly, Tony gives us some tips on how to apologize. Shout outs: Mark L John M Mike J Mary J Lindsay K Nestor M Christine B Nicole V

The Pirates of Dark Water was mentioned for some reason. (Incorrectly named by Steve, yell at him.) Tony Tells us about the history of Black Friday up to 2000. Lexy warns us of the oncoming creep of Black Friday into Thanksgiving day, aka Mobile Turkey Thursday. Steve gives us some numbers on the growth and shrink of Black Friday. Andreya delves into some anti Black Friday movements and workers rights. TJ Maxx has commercials about it.

Steve gives us a brief history of what lead up to the first Thanksgiving. Tony talks about the traditional Thanksgiving meal. Spoiler: it's not what you're thinking of. Lexy tells us about other traditions that pop up around Thanksgiving. Andreya tells us what thanksgiving is like in other countries. Fun Links: Alton Brown's Good Eats SNL's Drunk Uncle Spatchcock your bird, people!

Follow up: Facebook battery usage and the future of the Live Stream Andreya tells us some general principles and terminology concerning health insurance. Lexy fills us in on the Health Insurance marketplaces as well as other places to find the right plan. Steve gives us some numbers about subsidies as well a resource for finding out if you qualify for subsidies. Steve hates this senate bill. Tony tells us all about open enrollment, the Individual Mandate, what can happen if you're not covered, and how the ACA effects businesses.

Anthony tells us how and when to ask for a raise and have the best chance of success. Andreya gives us info on how to calculate how much you should be asking for, as well as several resources to help you. Salary.com PayScale.com Glassdoor.com Indeed.com SimplyHired.com Vault.com The Bureau of Labor Statistics Lexy fills us in on what goes into salary negotiations from the other side of the table And finally, Steve tells us of the complications that labor unions can bring to salary negotiations

Steve shares an article about learning how to learn from failing. This week, in honor of Halloween, we talk about horror movies and how characters effed up. Andreya talks about Drag Me to Hell. Don't steal from old "gypsy" women. Steve talks about Dog Soldiers. When dealing with werewolves, stay away from windows. Lexy talks about Thir13en Ghosts When someone leaves you a giant beautiful really odd house, don't immediately go right in at night. She also mentions The Taking of Deborah Logan. If someone is experiencing dementia, please take basic precautions to keep them safe in their home, or consider placing them in a facility. Tony watched The Lazarus Effect. When decide you want to reanimate the dead. Don't. Other horror (some terrible, some good) movies to check out: A Bay of Blood (1971) The Midnight Meat Train (2008) The Item (1999) Demonicus (2001) HomestarRunner Thanks Tammy D for the episode idea! Tom H Nestor M Nicole V Cindy W Rich H Tony H Kody B Sarah S

In Preshow, the gang talks about Moosejaw, SK. We talk about Bankruptcy. Tony give us some ideas of when to file for bankruptcy, then tells us about Chapter 7 and Chapter 13 bankruptcy, along with some great statistics. Andreya gives us a breakdown of the steps involved in filing for bankruptcy. Lexy gives us a look into the psychology of bankruptcy as well as discussing the stigma that bankruptcy has in our society. Finally, Steve tells us how bankruptcy can effect business and how the different perception that exists for corporate bankruptcy. Shoutouts: Scott S Nestor M Sarah S Nichole V Kody B

Preshow Steve and Tony get autodialed by 951.850.0899, which was hosting a scam against Central Bank. Followup Can you derail a train with a penny? We talk about different types of scams. Andreya talks about insurance scams like fake insurance policies. Steve talks about scams targeting small businesses. Lexy talks about scams against people with mental illness and the consequences of the stigma around their care providers. Tony talks about scams targeting senior citizens. Thank You! Lindsey K Nestor M Nicole V NPR News Rich H Mary J Cindy W Katie M Mike M Donna J Kim E Chris C Tammy D Tony H Lucy T Lynne S Sarah S Elizabeth C Mike J

Followup Andreya's finacee talked about the False Dilemma presented in Andreya's ethics class. We talk about the changes we've made to releasing the show. Cindy W has a problem and yo, we solve it. Our main topic this week is Special Olympics. Andreya discusses their history and the history of Special Olympics Missouri. Tony talks about the Unified Sports program. Unified Sports SOMO Quick Reference Guide Steve talks about the social impact of Unified Sports on both individuals with and without intellectual disabilities. Lexy touches on how to spread awareness of the program and how to participate in a meaningful manner. Project UNIFY Thanks! Nicole V Kody B Cindy W Rich H Sarah S Nestor M Sally M In the After Show, we talk about Insurance Compartmentalization and the Lupus Chili Festival.

Followup Lexy was right about something in insurance. Steve talks a bit more about data-mining We have a new recording time and new release schedule! Andreya talks about Things to Consider Before Getting a Pet. Lexy talks about some good practices when introducing your existing pet to a new pet. Steve talks about the potential costs of adopting and owning a pet. Tony talks about things you should consider when preparing your home for a new pet. 10 Tips for Bringing a New Kitten Home Preparing Your Home For a New Dog Shout outs: Tony H for sharing our episode Kody B for sharing our episode Nestor M for liking Richard H for liking Sarah S for sharing our episode and giving great feedback Sally M for sharing our episode and giving great feedback Aftershow: Whole30 follow up Andreya talks about her flare up and her fiance's experience. Insurance Deep Dive

Followup Kobayashi Maru We have a guest this week: Kody B! He talks about many of his hobbies: Model Building CultTVMan's Hobbyshop Action Figure Collecting and Customizing NECA Big Bad Toy Store ToyWiz Special Effects Prosthetics

Andreya talks about Utilitarianism and ehtical dilemmas The Doctor Quandry The Dialysis Question Steve has some weird news stories. Lexy talks about the science behind always running late. Scientists have found out why you're chronically late Science says one type of person tends to be chronically late Shout outs Cindy W Tom D Kody B for logo work Sarah S for sharing Sally M for commenting on our page.

Andreya talk about quick, interesting ways to save. Save every $5 bill that comes to you. The giant coin bottle. Use cash whenever possible, never use change to pay, always round up to the next denomination to pay, and at the end of the day put everything $5 and under in a safe place. Workplace Christmas savings. The bad habit jar. Lexy talks about basic and consumer friendly methods of saving and investing. Treat your savings deposit like a bill that has to be paid. Keep saving, even if you are paying off debt. Even small amounts means you're still saving. $5 is better than $0. The MOST important thing to spend money on is the future for you and your family. Save for retirement even if you can't afford it. Mint.com is essential. How to invest as a beginner: Acorns Betterment Robinhood Exchange Traded Funds (ETFs) Tony talks about the history of personal savings in the U.S. We used to save quite a bit, now we don't. Personal Saving Rate "The correlation between a country’s saving rate and its investment rate remains large and significant despite the globalization of international capital markets." U.S. Personal Saving Rate, 1970-2012 Too Thin a Cushion Steve talks about common investment and savings schemes. Ponzi scheme Pyramid scheme Advanced Fee Fraud Pump and dump Disclaimer: We are not a Registered Investment Advisor, Broker/Dealer, Financial Analyst, Financial Bank, Securities Broker or Financial Planner. The information in this show and on this site is provided for information purposes only. The information is not intended to be and does not constitute financial advice or any other advice, is general in nature and not specific to you. Before using our information to make an investment decision, you should seek the advice of a qualified and registered securities professional and undertake your own due diligence. None of the information in this show or on this site is intended as investment advice, as an offer or solicitation of an offer to buy or sell, or as a recommendation, endorsement, or sponsorship of any security, Company, or fund. We are not responsible for any investment decision made by you. You are responsible for your own investment research and investment decisions.

This week, we talk about Whole 30, which Lexy, Andreya, and Tony will be starting on September 1. We discuss some of the resources we used to prepare for Whole 30. Plastic Container Trays New Refrigerator NomNomPaleo Lexy is having difficulties finding apps that will let her track all of the data points she wants to track. Tony goes on a small rant of why he doesn't like Fitbit.

Followup We didn't have a show last week and made a video apologizing for it. We will be starting a video series called One Effing Minute. We talk about starting a new business Tony talks about starting his company, Twisted Lens Media, LLC and why he chose to bring in more people. Steve talks about the different kinds of businesses U.S. Small Business Administration Andreya talks about how to price a product or service. Lexy talks about how to value your time. What is your time really worth to you? Freelancing: a Complete Guide to Setting and Negotiating Rates Minimum Acceptable Rate (MAR): ((annual personal expenses + annual business expenses)/hours worked) + tax "Good Work Boots" Reversible Penguin Popples Sheldon

We have two guests this week: De'Nel Hateo Sarah Sateo Andreya, Lexy, De’Nel, and Sarah went on a paranormal tour of the Missouri State Penitentiary. They met two of the 3 Girls in the Dark. Shout Outs Mary Jateo Kody Bateo Sarah Sateo Sally Mateo Nicole Vateo Kate Mateo Nestor Mateo Mike Mateo