Pesticides and Parkinson’s

Parkinson’s is a disease characterized by degeneration of dopamine producing neurons in a portion of the brain called the substancia nigra. The reduction in dopamine results in loss of motor control and tremor.

It is known that pesticide and fungicide exposure increases risk of developing the disease. This has been shown in several studies. A study of the small farming community of Fairfield, Montana, revealed that the rate of Parkinson’s in older inhabitants is 1 out of 60, while the national average is about 1 in 272. Further studies have shown a direct relationship. I thought about reviewing several of the studies in this blog, but, to be honest, it would be easy for anyone reading this to google the words “Parkinson’s” and “pesticides” and peruse the results. The point is that we should all think about the contact we have with pesticides. Think about the food you eat, were pesticides used on or around it? Or think about the gardening you may do – what chemicals are you using – what about fungicides – are they used in your home or place of work? What about the house cleaners you use.

I personally have a friend with Parkinson’s and it is a debilitating horrible disease – other neurological disease, such as Alzheimer’s, are equally devastating. It is likely that the neurological damage that characterizes these disease is caused by several factors – but one cause is definitely the environment we live in and are exposure to certain things in the environment – such as pesticides.

I don’t want everyone to be scared, but aware.

The importance of giving…

So Im 22, I make $40k a year, and I definitely feel like life would be easier if I was making $70k+. All through college I only had a part time job and probably averaged only $6k a year, so even though I wish I was making more than $40k it still seems like plenty of money to me. I made my budget and accounted for all of my expenses…401k, Roth IRA, gas, food, etc. I thought I had it all figured out and was pleased to see a decent cash flow in the discretionary income category. I put some money in a high yield savings account, used some to buy a motorcycle, was eating out when I wanted, basically life was good. Then I took a 6 week long financial course during this time (because I love learning). There was a bunch of good stuff presented during the six weeks, but the one thing I realized I was missing in my budget was a charity section. I went home and wrote down on a piece of paper “I will give at least 10% of my income to charity.”

There are a couple of reasons I decided I needed to be giving away some of my money.

1) Im christian and I personally believe it is important for me to tithe to the church and support different ministries and missions. I believe I am called to give whether I make $10 a year or $10 million a year. I think about it like this…I go to church every Sunday and am entertained by the pastor and learn important things to be successful so I should make sure that I contribute to the church so I can continue to have a place to go. If church members didn’t tithe there would be no church…im just doing my part.

2) I know that giving is going to make me rich. No, I don’t think karma is going to be on my side or if I give my money God is going to bless me with a fortune…it might happen, but Im not counting on it. Now that I am giving 10% of my income I have to be even better with my finances and make sure I am watching every dollar I spend. It has made me that much more motivated to contribute the maximum possible to my Roth IRA. It has made me think “Do I really need to go get food from that burrito shop?” I am 100% confident that giving will never financially hurt me and will only increase my chances for financial success.

3) There is no excuse not to give. Sure money might be tight. You might be living paycheck to paycheck. But make sure you hear me GIVING IS IMPORTANT. If you cant afford, or dont want to afford, giving 10% give 5%, 2%, 1%, or $1 the amount doesn’t matter!!!! There are plenty of great organizations out there that rely on people’s donations. My mom contributes to Children’s Hospital every year, another friend sponsors a young teens ability to go to summer camp. Breast cancer, autism, water in 3rd world countries, sponsoring a child in africa the possibilities are endless. When you finish reading this blog I dare you to just go to any organization and give them $1…thats right just $1. I want you to realize that it doesn’t matter how much you give, all that matters is that you give.

Do it! Give money to someone or something. Here is my favorite organization…I strongly believe in their cause.

www.invisiblechildren.com

Did you give a dollar yet? No?! Then GO NOW!

The nitty gritty….

This blog is a personal blog written and edited by me. For questions about this blog, please contact:

Although this blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation, PunchDebtInTheFace.com will never prostitute itself out just to make a quick buck and I will turn away all offers that are not in line with my values.

The compensation received will never influence the content, topics or posts made in this blog. All advertising is in the form of advertisements generated by a third party ad network. Those advertisements will be identified as paid advertisements.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does not contain any content which might present a conflict of interest to my personal line of employment.

Valid from 23 March 2009

Privacy Policy for punchdebtintheface.com

The privacy of our visitors to punchdebtintheface.com is important to us.

At punchdebtintheface.com, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use and visit punchdebtintheface.com, and how we safeguard your information. We never sell your personal information to third parties.

Log Files
As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons
We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements on punchdebtintheface.com to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

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Booya,

The Hidden Costs of Growing Up

I find it hard to believe I’m already one year out of college. This thing called “being-an-adult” is tricky. There are a bunch of things to this lifestyle that I never learned in college. Like, insurance….what the heck is that? I do not like knowing I pay almost $300 a month for insurance (rental, car, health, dental, vision) most of which I never actually collect on. Part of me is tempted to go out and break my leg just so I can actually utilize my health insurance (which I am yet to capitalize on. I guess the most important thing to me is to make sure that I really do make a conscious effort to use every dollar of my insurance possible. I make sure to get my semiannual dental checkups, I get a new pair of glasses every year, if I feel really sick you better believe I’m going to be heading to the hospital. My advice to people….use your insurance if you can! Another one of my not-so-favorite hidden expenses…Income Tax. Unfortunately I live in California where we have income tax, sales tax, property tax, and life tax….okay maybe not the last one, but at times I sure do feel like there is. All through college I was considered a Washington resident, but in my first year of post-college life I made the transition to California residency. Unbeknownst to me, dibs were called on 9.3% of my pay check by the the golden state. I guess they have to tax me because the weather is nice year round and there are a lot of beaches…right? I don’t know, maybe I’m just being bitter, but I can tell you one thing…I am definitely not looking forward to further discoveries of these hidden treasures that will somehow find a way to snatch up every dollar of my hard earned pay.

I would be curious to hear if anyone else had similar experiences in their transition to adulthood. Any expenses you didn’t know would come to bite you in the behind? Or anything I’m missing out on that could enlighten me or prepare me for the future?

9.3% poorer than you,

Everything you ever wanted to know…and some stuff you didn’t

*I feel slightly creepy right now, like I’m writing a personals ad*
Background:

Well I’m a 23 24 year old dude that is making his best attempt to navigate the intricacies of adulthood. I currently reside in San Diego, Ca but am hoping to move to Washington state in the coming years. I graduated from a small private school in San Diego two years ago and currently am working for Uncle Sam. I’m pretty happy with my current situation. I became addicted to finances about one year ago after a conversation about Roth IRA’s with one of my friends. I have always had decent spending habits (never had credit card debt) so I wont be preaching the gospel of a 180° turn around in my financial situation.
I have absolutely no financial credentials (got my degree in Psychology) and only took one economics course in college. I’m pretty dang frugal and am currently in the process of saving to buy a house. I love reading finance books ,google news, and other blogs to keep up to date with what’s going on in the world.
I plan to use this blog for two puporses:

1) Accountability. Maintinaing a website about my financial priorities, habits, and opinions will benefit me 2, 5, and 10 years down the road as I will be reminded where I started and how far I’ve come.
2) As the headline of this blog suggests, I want to make personal finance less boring. There are a ton of PF blogs out there, some serious, some not so serious. I plan to find a happy medium between relevant and useful content and having crazy delicious amounts of fun. I guess my target audience is for the twenty somethings of the world, mostly because I am in that category. I don’t claim to be the best blogger out there (actually there are quite a few blogs I read that I enjoy FAAAR more than mine) and will probably make mathematical, grammatical, and typographical errors in some posts.
Previous Blog Attempt:

I originally started a different blog in May 2008 with the sole intention of making some dollar bills…let’s just say that didn’t go as planned. I took a good nine month break from blogging and decided this go around I’m going to write because I actually want to, not some lame attempt to make some extra cash flow.
If you’re looking for crazy in depth financial information you probably won’t find that here, but I’ll do my best to bring relevant entertaining information to the plate. I love getting comments and constructive criticism is a good thing. If you like my site let me know, if you hate it let me know.
Oh and did I mention I like long walks on the beach, puppies, jack johnson, sunsets, and punching debt in its face.
Much Love,


I love learning about finances….and I love my Credit Card!


So I got a Credit Card that awards one airline mile for every dollar I spend. I know most people recommend cutting all credit cards up to avoid high interest on any consumer debt, but I am quite a fan of my card. I have never needed to use the “credit” aspect of my credit card. I treat it like a debit card and pay the full balance every month. If I don’t have the money, I don’t buy it. There are two BIG advantages to using my credit card for EVERY purchase I make.

The first is that I get one airline mile for every one dollar I spend. I put everything from a $1 pack of gum to my $1,000 laptop on my credit card. Just by using my credit (instead of debit) card for ALL my purchases I basically rack up enough points to earn a free flight every year. I don’t know about you, but I’ll take a free ticket any day!

The second advantage to using my credit card is basically free money for one month. This allows me to make purchases before my paycheck gets auto-deposited in to my account. For example, I bought my laptop for $1,000 dollars on the 10th of Jan. At that time I only had $900 saved for my new laptop, but since I charged it to my credit card I was able to walk out the door with it before I had the full $1K saved. I got my paycheck two weeks later and took my “$100 a month laptop fund” added that to the $900 I had already saved and paid off my credit card balance in full. The laptop didn’t cost me any more then it would have if I used my debit card, but I was able to get it two weeks earlier.

I’m fully aware of the dangers of owning a credit card. It takes discipline, but as long as you don’t spend money you don’t have, I’m convinced that credit cards  are an asset to my financial success. I have plenty more to say about credit cards and I would love to hear what you all think about them. Keep looking for more of my financial habits and advice.

What do you think?

Disclosure

This blog is a personal blog written and edited by me. For questions about this blog, please contact:

Although this blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation, PunchDebtInTheFace.com will never prostitute itself out just to make a quick buck and I will turn away all offers that are not in line with my values.

The compensation received will never influence the content, topics or posts made in this blog. All advertising is in the form of advertisements generated by a third party ad network. Those advertisements will be identified as paid advertisements.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does not contain any content which might present a conflict of interest to my personal line of employment.

Valid from 23 March 2009

Privacy Policy for punchdebtintheface.com

The privacy of our visitors to punchdebtintheface.com is important to us.

At punchdebtintheface.com, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use and visit punchdebtintheface.com, and how we safeguard your information. We never sell your personal information to third parties.

Log Files
As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons
We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements on punchdebtintheface.com to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

AdSense Privacy Policy Provided by Punch Debt In The Face

Booya,