Frey Freyday – Criticism

(Frey Freyday is simply a bunch of inspirational, motivational and other quotes meant to make you think, reflect, smile, even laugh a bit. Hopefully helpful, useful stuff….)

 “It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.” Teddy Roosevelt

At the end of the day, at the end of my life, I want to be able to say that I contributed more than I criticized. – Brene Brown

 WORD TO LIVE BY:

  1. Criticism –
    the analysis and judgement of the merits and faults of a literary or artistic work.

 A few thoughts on criticism. If you don’t like them, please don’t criticize me.

  • There is constructive criticism, when done correctly with a helpful suggestion attached to it, it can be very helpful if done in a thoughtful, loving way; “When you do X, it comes across as this, did you ever consider doing Y instead because it may work better….”. It is easy and less helpful to criticize without a suggestion or alternative.
  • A psychologist/pastor that I respect a lot once told me that often, not always, people criticize because they have a poor self-image or they feel inadequate themselves, that the criticism is a form of projection, in some cases.
  • Unless someone has actually done it, or been in your shoes, or been brave as you are in whatever it is you’re doing, they really don’t have a right to criticize.
  • It is easier to criticize than create.

 Parting thoughts:

  • Dare to risk criticism. Be bold. You may fail. People may say things. Guess what, you were brave and grew from the experience. You’re better for it.
  • If I can provide some constructive criticism? Stop reading this and go have a good weekend.

Frey Freyday was actually born out of something I created called “Words To Live By” (WTLB). Going forward, I will now not only share the quotes, as you may be used to receiving, but also a related (WTLB). In 1999, when we had our first daughter, I was contemplating how I would raise my new beautiful child, and I was thinking about how I can best educate her and my other children about values, morals, and other key thoughts about life. School offers education. Religion offers some values and morals. Parents offer most of it, sometimes intentionally, sometimes accidentally.

So I created a (WTLB) book, like a dictionary, which lists things like honesty, love, persistence, etc. with a definition that I created, with my wife’s input. I then turned it into a workbook with one word per page and space below for notes. For years we would discuss with my two daughters and they would draw pictures and make notes in the blank space. I may share some of those images with you. As they got older, they were less inclined to draw and more open to quotes and references from adults, hence where Frey Freyday came from….

You can read more at www.onewebstrategy.com

Frey Freyday – a few quick thoughts

These are different and uncertain times for all of us.

Here are a few quick thoughts;

Gratitude; life certainly isn’t perfect right now but I believe we must be grateful for our jobs and for our health.

Gratitude is riches. Complaint is poverty. Doris Day

Compassion; we should consider having compassion for our clients, the business owners, for our communities, for our co-workers and for our loved ones. We are here to serve and help others during this time.

The greatness of a man is measured by the way he treats his fellow man. Myles Munroe

Meaning; we can always choose what something means…- we can choose the meaning we take away from a moment or situation.

Everything can be taken from a man but one thing: the last of human freedoms – to choose one’s attitude in any given set of circumstances, to choose one’s own way. Viktor E. Frankl

Humor; we all must search for levity, for humor in each moment, to relax and to put things into perspective.

Humor is just another defense against the universe. Mel Brooks

Best of health to you all….

Frey Freyday – Unconditional Love

(Frey Freyday is simply a bunch of inspirational, motivational and other quotes meant to make you think, reflect, smile, even laugh a bit. Hopefully helpful, useful stuff….)

Love one another. As I have loved you, so you must love one another.”

WORD TO LIVE BY:

Unconditional love is known as affection without any limitations, or love without conditions. This term is sometimes associated with other terms such as true altruism or complete love.

On this specific day and during these unusual times, I think it is valuable to consider and ponder on this definition.

The ideal of unconditional love is a noble one. We want to be loved as we are, and perhaps we’d like to see ourselves as capable of selfless love.

I think being the imperfect human beings that we are, it is sometimes very hard to love unconditionally, but it is something that we must strive for, nonetheless.

Frey Freyday was actually born out of something I created called “Words To Live By” (WTLB). Going forward, I will now not only share the quotes, as you may be used to receiving, but also a related (WTLB). In 1999, when we had our first daughter, I was contemplating how I would raise my new beautiful child, and I was thinking about how I can best educate her and my other children about values, morals, and other key thoughts about life. School offers education. Religion offers some values and morals. Parents offer most of it, sometimes intentionally, sometimes accidentally.

So I created a (WTLB) book, like a dictionary, which lists things like honesty, love, persistence, etc. with a definition that I created, with my wife’s input. I then turned it into a workbook with one word per page and space below for notes. For years we would discuss with my two daughters and they would draw pictures and make notes in the blank space. I may share some of those images with you. As they got older, they were less inclined to draw and more open to quotes and references from adults, hence where Frey Freyday came from….

You can read more at www.onewebstrategy.com

How to delay your credit card payment during the coronavirus pandemic

How to delay your credit card payment during the coronavirus pandemic

If the coronavirus pandemic has you struggling to make credit card payments, it may be time to consider these options on how you can delay paying your bill with minimal drawbacks.

Alexandria White

The ongoing coronavirus pandemic has many Americans out of work and struggling to pay bills, which may include hefty credit card debt. Prior to the current economic turmoil, credit card debt hit a record high of $930 billion for Americans in the final quarter of 2019 — and chances are likely that 2020 will top that number.

If you’re one of the thousands of Americans laid off, furloughed or facing reduced working hours, you may find it hard to make credit card payments. Thankfully, credit card issuers are offering various relief programs, which may include waiving interest and fees or providing the ability to skip payments.

Below, CNBC Select reviews how you can delay making your credit card payment, while minimizing the potential negative effect on your credit score.

How to delay your credit card payment

  1. Call your credit card issuer
  2. Explain how you’re negatively affected by the coronavirus
  3. Ask for assistance
  4. Confirm the terms of your relief program
  5. Take note of any effect to your credit score

If you’re finding it hard to make credit card payments, the best thing you can do is speak to a customer service representative to review potential relief plans. Here is a step-by-step guide on what to do to get assistance.

1. Call your credit card issuer

In order to discuss assistance options, you’ll need to pick up the phone and speak to a customer service representative. Chat options are not as effective in getting help. You can call the number on the back of your credit card to contact a rep or check if your card issuer has a dedicated coronavirus line.

Here is more information on contacting the main card issuers: American ExpressAppleBank of AmericaCapital OneChaseCiti and Discover.

2. Explain how you’re negatively affected by the coronavirus

Once you reach a rep, make sure you discuss any financial concerns that may apply, including:

  • A recent layoff, furlough or reduction in working hours by you or your significant other
  • Concerns that your job or your significant other’s job may be at risk

Any of these events can drastically reduce your income and impact your ability to pay credit card bills on time. It’s a good idea to factor in the impact of your significant other’s income, since you likely have shared expenses and/or joint accounts.

3. Ask for assistance

After explaining your situation, the rep will be able to discuss any available relief options that can assist your financial burden during this time. That may include late fee waivers, lower interest rates and the ability to temporarily skip payments without interest charges.

Keep in mind, the exact coverage you receive depends on your individual situation and what assistance your card issuer is offering. Some issuers are clear on the relief they offer, while others are vague and encourage customers to simply call and discuss options.

Learn more about what credit card issuers are offering as customer assistance.

4. Confirm the terms of your relief program

Once you receive assistance, confirm the exact terms of the program. You’ll want to know how long the relief lasts and if any fees are associated with it.

For instance, some card issuers, like Citi, are offering forbearance, which typically allows you to pause minimum payments. But you should verify if you’ll incur any interest on skipped payments and how long you can put payments on hold for. If you have the Citi® Double Cash Card and receive an offer to pause monthly payments, make sure you know whether any interest will accrue during the forbearance period and the relief end date.

5. Take note of any effect to your credit score

If you enroll in a credit card forbearance program, your account may continue to accrue interest, but your lender won’t report the late payments to the credit bureaus (Experian, Equifax and TransUnion). This means there won’t be a negative effect to your credit score because of missed payments for the time you are in forbearance.

However, it’s also key to know that pausing payments and racking up additional interest and credit card debt causes your utilization rate (which is the percentage of your total credit you’re using) to increase. This can have a negative impact on your credit score, so try and pay of any balances as soon as possible.

Keep in mind that you have to opt-in to a forbearance program. If you simply skip payments without speaking to your card issuer, your credit score will be hurt.

Last — you can request that your lender includes a statement on your account that indicates you have been ‘affected by a natural or declared disaster,’ which Experian states can help protect your credit history and credit scores.

From

https://www.cnbc.com/select/how-to-delay-your-credit-card-payment/

brain changing benefits of exercise

A great TED Talk, especially now:

What’s the most transformative thing that you can do for your brain today? Exercise! says neuroscientist Wendy Suzuki. Get inspired to go to the gym as Suzuki discusses the science of how working out boosts your mood and memory — and protects your brain against neurodegenerative diseases like Alzheimer’s

TED TALK – Wendy Suzuki – “The Brain-changing benefits of exercise”

 

Frey Freyday – Perseverance

(Frey Freyday is simply a bunch of inspirational, motivational and other quotes meant to make you think, reflect, smile, even laugh a bit. Hopefully helpful, useful stuff….)

 Life is not easy for any of us. But what of that? We must have perseverance and above all confidence in ourselves. We must believe that we are gifted for something and that this thing must be attained. Marie Curie

Word to Live By:

perseverance-[ˌpərsəˈvirəns] NOUN -persistence in doing something despite difficulty or delay in achieving success.

 So these are very unusual times, right?

We can complain, we can get upset. We can make other choices too.

We must persevere. We must continue, improve, do better, make it work, ask for help, offer help, make an effort, have faith and keep going.

Just keep swimming…..

Many years ago I was in a job that I didn’t like with a person who was hostile and difficult. Finances were tight. I wanted out of that job. I was often concerned and depressed. For about 1 or 2 weeks, I just coasted. I didn’t really work hard and I ‘vegged out’. Then I spoke with a few older, wiser guys and they both told me to ‘keep swinging’. They were right. I went back and put forth 100% effort, worked hard, regardless of the circumstances. It was at that time that I started to look for quotes, like the above quote. I shared them with a few people and they liked it. So I routinely sent out what I then called, “Simple Stuff” – a prelude to the Frey Freyday. This kept my mind focused and more upbeat. Soon the upbeat attitude and full effort actually got me a better job. It also built a habit of putting forth 100% effort and looking for inspiration and ‘good stuff’ in the world.

Perseverance is passion and perseverance for very long-term goals. Perseverance is having stamina. Perseverance is sticking with your future, day in, day out, not just for the week, not just for the month, but for years, and working really hard to make that future a reality. Perseverance is living life like it’s a marathon, not a sprint.

The uncertainty we face now is tough for some. For some there is certainty that things will indeed get harder, at least in the short term. Should we go quietly into that good night? No. Give it your best 100% effort, look for good, and give value to others.


Frankly, in general, I am encouraged by what I see in the U.S. – People are being kind, people are making it work, they are trying to stay upbeat, stay healthy and trying to keep moving ahead.

We are persevering together!

“Trust the wait. Embrace the uncertainty. Enjoy the beauty of becoming.                             When nothing is certain, anything is possible”      – Mandy Hale

Frey Freyday was actually born out of something I created called “Words To Live By” (WTLB). Going forward, I will now not only share the quotes, as you may be used to receiving, but also a related (WTLB). In 1999, when we had our first daughter, I was contemplating how I would raise my new beautiful child, and I was thinking about how I can best educate her and my other children about values, morals, and other key thoughts about life. School offers education. Religion offers some values and morals. Parents offer most of it, sometimes intentionally, sometimes accidentally.

So I created a (WTLB) book, like a dictionary, which lists things like honesty, love, persistence, etc. with a definition that I created, with my wife’s input. I then turned it into a workbook with one word per page and space below for notes. For years we would discuss with my two daughters and they would draw pictures and make notes in the blank space. I may share some of those images with you. As they got older, they were less inclined to draw and more open to quotes and references from adults, hence where Frey Freyday came from….

You can read more at www.onewebstrategy.com

See the source image

Trillion – what is it?

So, at this moment, many Americans are waiting to see if Congress can come through with a stimulus package; it is rumored to be up to, perhaps over, $2 trillion dollars.

What is that number, trillion? What does that mean?

1,000,000,000,000 (12 zeroes, 4 commas)
or 1012 (ten to the twelfth power)
a number equal to 1,000 times one billion
one thousand billion

How Long Ago Is a Trillion Seconds?

If you count backward, then:
1 million seconds = 12 days ago
1 billion seconds = 31 years ago
1 trillion seconds = 30,000 B.C.

How high is a trillion in $1000 bills?

If you stack a trillion-worth of $1000 bills together, then:
1 million dollars = 4 inches high
1 billion dollars = 364 feet high
1 trillion dollars = 63 miles high
(give or take a foot or two)
Note that this is a STACK, not laid end-to-end.

Let’s Measure a Trillion in Money

With about 305,000,000 people and 111,000,000 households in the U.S.

$1 Million is 1¢ per household,
$1 Billion is $3.28 per person and $9 per household,
$1 Trillion is $3,280 per person and $9,000 per household

If a person’s salary is $40,000 per year it would take:

25 years to earn $1 Million
25 Thousand years to earn $1 Billion,
25 Million years to earn $1 Trillion

 If you lived to be 80 years of age, to have:

$1 Million you would have to save $34 each day of your life,
$1 Billion you would have to save $34,000 each day of your life,
$1 Trillion you would have to save $34 Million each day of your life

One year of clock time = (60sec/min) x (60 min/hr) x (24 hr/da) x (365.25 da) = 3.16 x 107 sec

One trillion seconds of ordinary clock time = ( 1012 sec)/( 3.16 x 107 sec/yr) = 31,546 years!

Six trillion seconds equals 189,276 years. Now, as an aside, along with the nearly six trillion miles in the light-year, you might be interested to know that there are nearly five trillion dollars in the current U.S. national debt. Is it any wonder that our politicians in Washington are concerned?

(An interesting bit of trivia: If one were to count the national Debt at the rate of one dollar per second, he or she would have to use a mechanical counter to click off the digits. Why? Because, if he or she counted in the usual way, saying “one, two, three, …” etc., there would be numbers whose names are so large, that it would take more than a second of clock time to pronounce them. For example: “Nine hundred and ninety nine billion, nine hundred and ninety nine million, nine hundred and ninety nine thousand, nine hundred and ninety nine,” takes about 8 seconds to pronounce.)

How much is a trillion dollars?

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