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#i hate that the default in this country is opt OUT instead of opt in 😒
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How to get less junk mail
I fell down the rabbit hole again and thought I’d share some resources for fellow sick-of-junk-mail people residing in the US.
(For unwanted calls, sign up for the National Do Not Call Registry, it’s free! Check the FAQs, it’s meant to stop unwanted sales calls only unfortunately, so it’s not a perfect 100% solution, but it helps. You can report companies and they can be fined “up to $43,792 per call.”)
(Most information below is copied from the Reader’s Digest post (here) linked throughout, except for the two links from the FTC.)
How To Get Less Mail From Marketers
To decide what types of mail you do and don’t want from marketers, register at the Direct Marketing Association’s (DMA) consumer website DMAchoice.org, and choose what catalogs, magazine offers, and other mail you want to get. DMAchoice will stop most, but not all, promotional mail. You’ll have to pay a $2 processing fee, and your registration will last for 10 years
Find a mailing address here. (They also have a no-cost option to stop mail being sent to someone deceased or dependents in your care.)
How To Stop Credit Card and Insurance Offers
To opt out for five years: Go to optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688). The phone number and website are operated by the major credit bureaus.
To opt out permanently: Go to optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688) to start the process. But to complete your request, you’ll need to sign and return the Permanent Opt-Out Election form you’ll get after you’ve started the process
(Same source, FTC website)
If you want to opt out by snail mail, you can mail the major reporting companies. Find addresses and more details here.
Opt out of direct mail
You can register on the National Do Not Mail list for free at DirectMail.com (Check their FAQs)
You will likely need to supplement your DMA opt-out with additional opt-out requests. These include requests to:
- SKUlocal, formerly Cox Target, which is responsible for sending you those promo-coupon-filled Valpaks, among other things
- RetailMeNot, formerly RedPlum (another promo-coupon mailing)
Opt out of catalogs
To have your information removed from Abacus, contact them with your name (including any middle initial), current address, and previous address if you moved recently. Abacus can be reached either via email ([email protected]) or by mail (Abacus, Inc,. PO Box 1478, Broomfield, CO 80038). Abacus also has a website that can help remove you from some (but not all) of their catalogs.
In addition, there is a service called Catalog Choice, a free service that allows you to cancel specific catalogs (and other types of paper mail) you no longer wish to receive.
More details here.
Opt out of magazine subscription offers
Whenever you subscribe to a magazine, join a group, or make a donation and supply them with your name and address, you can specifically ask that they not rent your name to other companies. Your request may be ignored, so it is best to contact them a few weeks later and make this request again. Here’s how to contact Reader’s Digest. 
Opt out of (additional) requests for donations from charities
The American Institute on Philanthropy offers the following tips on reducing junk mail and solicitations from charities:
- When you give money to a charity or nonprofit group, enclose a note requesting that the organization not rent, sell, or exchange your name, address, and giving history with anyone else. You can make future contributions contingent on the charity honoring your request.
- If you donate to a charity once per year, ask the organization to decrease the frequency of its mailings.
- If you do not wish to support a charity, ask for your name to be deleted from its mailing lists.
Refuse delivery of (certain) promo mailings
Look for any of the following phrases on any promotional mailing sent to “resident,” “current resident,” or “current occupant”:
return service requested
forwarding service requested
address service requested
change service requested
First Class Mail
You can mark these envelopes “RETURN TO SENDER,” and put them right back in your mailbox.
Publishers Clearinghouse Sweepstakes
To opt out of this major sweepstakes mailer, contact Publishers Clearing House online, via email, or by mail to Consumer & Privacy Affairs, Publishers Clearing House, 300 Jericho Quadrangle #300 Jericho, NY 11753
Feel free to add more info!
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silvokrent · 7 years
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This isn’t nearly as in-depth as I’d like it to be, but here’s my reaction to firearms legislation, mass shootings, who or what’s “to blame,” and what we should be doing about it.
At this point, honestly, I don’t care what your political stance is, whether or not you think gun legislation will or won’t stop “criminals” (whatever the fuck that actually means) from still getting access to firearms illegally. At this point, all that I care about is that we do something instead of debating every single hypothetical pro and con to any degree of restrictive firearms access. Yes, gun violence is a multifaceted issue, and the motives behind each individual instance of a shooting are going to vary. So if we’re not going to talk about making it more difficult for anyone to buy firearms, let’s talk about the sociopolitical motivations behind mass shootings, and what sort of solutions we as a society are willing to commit to.
The shooter was [insert minority here] that was motivated by [vague generalization of an aspect of their culture]. Okay. So if the attack was done by a perpetrator who had biased, bigoted beliefs that they inherited from their family/immediate cultural influence at home, then maybe we should implement more effective and comprehensive policies in schools that enforce ideological acceptance. Say, for example, that the shooter held misogynistic, antisemitic, anti-black, and anti-LGBT+ beliefs. Here’s a potential solution: legally mandate that schools — colleges, universities, and K-12 private, public, and charter schools — teach their students that women, Jews, non-white Americans, and LGBT+ people have the same human rights as anyone else, and that verbally/mentally/emotionally/physically abusing them in any social environment/setting (work, school, the gym, the bus stop, etc.) is unequivocally wrong. Start teaching children as young as pre-K that these toxic beliefs are not acceptable, no matter what that child’s parents are teaching them at home. Undermine hatred that the child is inheriting from their family. Teach children earlier about privilege and the centuries’ worth of oppression that marginalized groups have experienced and continue to experience, and teach them how to be allies to marginalized groups, like non-neurotypical individuals, or people that are physically disabled. Teach students comprehensive, scientifically-accurate sex ed, that illustrates the differences between biological sex, sexual orientation, and gender identity, and that these differences do not get to be treated as “abnormal” or “subhuman” just because they’re not as prevalent or as widely-represented as heteronormativity or cisgendered folks. We should also take the time to educate people that just because you meet a person of a certain demographic with a hateful belief, doesn’t mean they represent their entire group. If rampant Islamophobia has taught us anything, it’s that society likes to create “the great other” to have as a relevant foil for our own values, and as a readily-identifiable enemy, while ignoring the hypocrisies and flaws we deny are a part of our own cultures.
But teaching children/students to accept people of other walks of life goes against my personal beliefs! If the government meddles too much in education, they could easily co-opt learning in the future to push certain agendas. Besides, you don’t have the right to indoctrinate my children with your radical liberal ideas! I wasn’t aware that teaching children to not be dickheads to other people was a radical liberal notion, but fine. Have it your way. And yes, I agree, too much government intervention can have its own problems, in a sense of who’s watching the watchman and making sure they don’t overstep certain boundaries. But having no standardized code that teaches students to accept people from other cultural/religious/ethnic/genetic backgrounds isn’t a solution, either. And frankly, there should be no reason why anyone would argue against teaching our kids that diversity is worthy of acceptance and celebration, not shunning and discrimination. If you’re not willing to enact a solution to fix the motivation behind mass shootings, then we need to make it harder for people with radicalized hateful beliefs to acquire firearms. Either present another plausible solution to reduce mass shootings, or pick one of the aforementioned solutions.
The shooter was a [insert person with a mental illness]. Sane people don’t commit terrorist acts! Ah, yes. The old “let’s scapegoat people with mental illnesses as the perpetrators as these attacks, rather than as the overwhelming victims, in order to avoid talking about gun control.” Very well. If we’re going to continue assigning sole culpability to individuals with anxiety, depression, PTSD, bipolar disorder, and other psychopathologies, then that means we need to make medical treatment easier to acquire and less stigmatized. If you have a diagnosed mental illness, then you should be able to access free — or at the very least, cheap and affordable — healthcare to treat your condition long-term, through medication, one-on-one patient-psychologist/psychiatrist therapy, and accommodations in the workplace, school, and so on. People with mental illness should have greater access to resources that protect them from housing and workplace discrimination. We must, as a collective society, learn to not ridicule or make disparaging jokes at their expense, often to the effect of exacerbating their mental illness. We need to learn to not sneer at coping mechanisms, or ridicule someone that has a service animal for emotional and otherwise support. Because if mentally ill people are responsible for these attacks, then that means we should be treating their psychopathologies in order to prevent mass shootings, right?
But I don’t want my tax dollars to go toward the mentally ill! I shouldn’t have to pay to fix their problems. Skirting around the fact that people with mental illnesses didn’t ask to have those “problems” in the first place, what you’re saying is that “here’s a potential solution that could save human lives, but I’m not willing to spend money on it.” If allocating our government tax dollars means that people suffering from mental illnesses get help, and people aren’t as likely to die in mass shootings, then isn’t that worth the expenditure? Either present another plausible solution to reduce mass shootings, or pick one of the aforementioned solutions. 
Look. Lax gun laws are not the sole culprit behind mass shootings. The United States is a petri dish of centuries’ worth of culture clash, and the subsequent internalized hatred that comes with over-representation of privileged demographics, and erasure of marginalized people that’ve been stigmatized by the media. The problem is a combination of factors: compassion fatigue, apathy, complacency, a status quo that solely benefits certain groups at others’ expense, and an unwillingness to examine or relinquish our own biases because we don’t want to change. Radicalized violence and terrorism are multifaceted issues, influenced by factors I haven’t even touched on, because it’s late, I’m tired, and frankly I’m not the best person qualified to educate others on a complex topic I’ve only just begun to unravel myself. But I do know that we need to find a solution. We needed a solution yesterday. We needed a solution months ago. We needed a solution decades ago. Every time we are bombarded by senseless bloodshed and death, we go through the ritual of “sending our thoughts and prayers,” and then patting ourselves on the back and congratulating ourselves for doing what we think counts as the bare minimum.
It’s not enough. It’s never been enough.
Whenever someone tries to foster a discussion on gun violence and the underlying issues, the loudest voices in the room (typically our elected politicians) default to the clichĂ© red herrings of “mental illness” and “[person of a certain minority group] committed the act, therefore [their demographic] as a whole is to blame.” And while there have been instances in the past of shootings being linked to specific groups, these generalizations are correlation, not causation. Clearly, pinning blame to any one group — a tactic we’ve been using for years — hasn’t fixed the issue, so we need to come up with a different answer. Revising our education and healthcare systems have the potential to fix so many issues in our country, but arguments are always made for why “it can’t be done.”
“Can’t” means “won’t.” Meaning that people have the capacity to try, but aren’t willing to.
Which brings us back to firearms. Because until we, as a country, are willing to sit down and find a solution for hate crimes and mental illness (the alleged culprits), then we need to make it harder for people to buy military-grade firearms and go on killing sprees at schools, nightclubs, and concerts. Our “right” to buy and stockpile thirty fucking assault rifles without a comprehensive system to account for the whereabouts of those weapons, and the identity of the wielder does not supersede a person’s right to not be shot and killed.
People are dying nearly every other day in our country at a rate not seen in other nations. At the very least, we should at least be willing to ask other countries for help, and try implementing their tactics just to find out whether or not they’d be a viable option for our country. Not wanting people dead as a result of gun violence isn’t a fucking political opinion. It’s not even a contentious ethical debate. It’s doing the right fucking thing. And if you don’t like any of the proposed solutions, then instead of telling me why mine are inherently wrong, offer up one of your own.
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"What is the least expensive car insurance in Thousand Oaks, California?
Thanks!
BEST ANSWER:  Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr 
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I want to be a full time nanny but I won't be getting insurance. How can I get my own insurance?
Fraudulent car insurance claim against me?
hi my problem in a nutshell is my vehicle was hit in the rear while it was parked, when i confronted the driver we had an argument and the police were called no offences were committed and the police left after me and the other driver exchanged names and addresses. A month or so later i received a claim for neck injuries to the driver and his 2 passengers for approximately 20,000 for an accident that he said i drove into the rear of him which was totally false, i have witnesses which include the police officer who attended to the fact that the other driver hit my parked unattended car, i have lost my no claims bonus and i applied for a job as a driver which i did not get because of this pending claim, my insurance company have tried to contact the other driver who has not answered for a number of months and when i spoke to my insurance company i was informed that the other parties insurance company does not have the full story i.e they have not been told that he hit my vehicle and i have witnesses to prove that i am at a loss because i have been told it can take 3 years for the claim to close if the other driver does not answer any of the correspondence he receives. any advice please""
How much would the car insurance be if i get a first car for 20k? UK?
How much would the car insurance be if i get a first car for 20k? UK?
Insurance Cost On two different cars?
Would the insurance on an 2008 Ford Fusion be more than a 2006 Cadillac CTS? I live in Maine.
Best life insurance questions for seniors?
67 year old male whose had heart surgery,but doing well,on antidepressants and a cpap needs term life insurance. what is the most affordable in your experience ?""
Mandatory health insurance provision?
Should the federal judiciary act to either overturn or support the mandatory health insurance provision of the 2010 health care law?
Classic car insurance for new drivers?
Hello. Can you get classic car insurance for a new just test passed driver. If the car is say a 1.1 escort or similar and the driver is over 30 years old? or is it verboten until at least 2 years have passed driving with normal insurance? Thankyou.
How much would a Jeep Wrangler cost to insure compared to a Honda Civic?
How much would a 1990-1995 Jeep Wrangler cost to insure compared to a 2004 Honda Civic? It would only be liability insurance, and I live in South Jersey.""
As a sixteen year old guy would a hyundai tiburon jack my insurance?
im about to get my first car. parents are worried that it will jack the insurance because they think it might be a sports car
Which insurance company is best ?
im 15 going on 16 and i need car insurance im getting either geico which is my mom's insurance or farmer's which is my dad's my mom had farmers but farmers is too expensive the car i will be driving is a 2000 Nissan Sentra SE (automatic) http://www.edmunds.com/flipper/do/MediaNav/styleId=9585/firstNav=Gallery it looks exactly like the red one except its green and it has brown leather seats and a new radio system :]] its my brothers old car he hardly uses it since he has a brand new 2008 Nissan Altima so my Sentra is free :]] my dad will probably pay for my car stuff .or they will split it . i live in a city around the houston area . p.s can you give me your guess of how much i will be paying a month for insurance or perhaps every 6 months ? and which insurance company should i get ? p.s idk if this helps but my mom drives a 2004 Infiniti G35 Sedan and my dad drives a 2001 Jaguar XJ8 .
Question about car insurance?
I'm wondering something about car insurance. I am a 17 year old male, (turning 18 in 1 month) and have been driving a 2001 Hyundai accent since October. I am insured with esurance, and have liability only. I have a clean driving record. My monthly insurance is $197. I am on my parents policy. When I first called to get a quote, (cheapest company for me) it was around 120 a month, but then they got the VIN number and of course it went up because it knew exactly what car it was. Of course car insurance is very expensive for a male my age. My question is that I'm trying to save money to buy a jeep wrangler this summer. Will probably be a year 1997-2003. I want to know about how much it would cost to insure the jeep. I hear mixed responses about the cost to insure a wrangler, iv heard it's expensive because of the high theft rate and roll over chances. I know of course I don't know how much it will be exactly, considering I don't have a VIN number for the jeep wrangler. I get extremely expensive quotes when I search online, and the are all completely off. My parents policy has probably 4 or 5 cars on it and I am excluded off everyone's car. My sister has been in 2 wrecks and 2 speeding tickets, which I heard makes my insurance increase also. Anyone who has a general idea about cost for me to insure a jeep wrangler, thank you.""
Mustang GT Insurance? Buy or no buy? HELP?
Hey, I've been driving for almost 2 years now, I have a MG ZR at the moment but want to upgrade it in the next year or two. Been looking at the 1996 Mustang GT, Im from the UK and all these seem to be right hand drive? Is this a big issue when driving in the UK? will this effect my insurance? What sort of insurance rates would i be looking at? Anyone got any other car ideas that are similar to the ford Mustang GT, I have a real fondess for american muscle, a lot of people will probably disagree with me but i think it's because there not vastly seen here in the UK.""
Obama just isn't trying to 'buy votes' by promising to give health insurance?
Obama just isn't trying to 'buy votes' by promising to give health insurance to those lazy non-working people that Hillary is trying to buy. Obama simply wants to make insurance affordable to those who are willing to work. Hillary wants to increase the national debt by giving those who refuse to work yet another reason not to work. what do you think?
What should I expect to pay for car insurance?
I am 18. I got my permit in March 2011 when I was 16 and I got my license this month. I will be taking a defensive driving course, the 5 hour course and I might also take a course with a driving school to reduce insurance cost. (I live in New York) I have enough money saved up to lease the car I want but the insurance seems like it will be very steep. The cars I'm looking at are a: 2012-2013 Mercedes Benz C300 4MATIC 2010-2013 BMW 3 series or 5 series What can I expect to pay on insurance based on this information and do you think I'd be able to get a quote for $400 or less? Also, what type of car do you have and how much do you pay for your car insurance?""
Switch auto insurance from USAA to Nationwide?
If the policy quoted by Nationwide was ~35% cheaper than what USAA would give, for the exact same coverage, would you switch? Why or why not?""
Why is car insurance mandatory but not health insurance?
Say you have mandatory car insurance but not health insurance and you get in a car accident and get injured; your mandatory car insurance covers your car but what about you?
Can anyone help me find a source that explains Hourly Cost to Employer for employee's health insurance?
I can't find anything that says how much a year or hour it costs employers to offer health insurance. I'm sure there is a range, but I'd just like to find anything factual that isn't someone's esteemed opinion, saying that Obamacare will save 30% on costs or Obamacare will cost employers Billions. I would like to find some real numbers and come up with my own ideas. Thanks, in advance for your assistance.""
Can somebody explain to me what LP means in home insurance?
For example, I know that there is a classification in homes that's called LP3 . What does that mean??""
Insurance company and liability coverage on a leased car?
My sister is leasing a car and she changed insurance company last month. Don't know how this insurance Company gave her liability on a car that's not her's but they did it. She said they didn't even ask if she was leasing and when she asked how but full coverage was she said it would be to much. So lets just get this one. Now she just got into and accident on xmas day and her car is damage badly. The insurance people said they cant do anything with her car because of the coverage but I think that's not fair because she is still leasing on that car. What can be done can she sue the company on is it just her lost.
Car Insurance Costs.?
Coverage Type: Your Basic needs Collision: $250 Deductible Comprehensive: $250 Deductible Medical: None Bodily Injury Liability: $100,000/300,000 Limit Property Damage: $50,000 Limit Towing: Yes Rental Reimbursement: None ^^ Does anyone have an clue towards how much that would be monthly?""
What is the cheapest car to insure?
My Boyfriend has just passed his theory test today and has his practical test in a few weeks. He's 19 years old and we live in England. He wants a cheap car to insure but all are really expensive the cheapest insurance he can get is on a Romeo Mini for 2,500 a year. So i was wondering if anyone could tell me which is the cheapest car to insure and who with? Thank you for your help, Secret""
Is GEICO auto insurance tougher (more expensive) than Progressive if you have an at fault accident?
I have one at fault accident on my record. It was a rear-end collision and it is a 2 pt. accident in California. I was shopping for new insurance. I made this statement about the at fault accident when filling out the forms for a quote online. At first GEICO the GEICO rates were looking way better than Progressive or other insurance companies so I thought I'd go with them. But when I went to go pay online, they did one last DMV record check, and came back with a higher rate. Even though I had stated the accident in the form previously. They waited to verify this at the very end and not earlier which I found annoying--they had my driver's licence earlier in the application process, so why wait till the very end! When filling out the Progressive quote forms, I also stated the info about my accident where asked. At the end, the form still considered me a Good Driver and the quote was much cheaper than Progressive. I went to pay and it did not recalculate my quote after a DMV check like GEICO did. I paid and am wondering if I am going to hear back from them saying I need to pay more. But I gave them all the info and I do now have a policy. So it appears that GEICO is tougher when it comes to having an accident, and Progressive doesn't let one at fault accident ruin a good driver discount? Does anyone have experience with this?""
Car insurance definitions?
in car insurance, what are the definitions of: Policy Premium Deductible""
What is the least expensive car insurance in Thousand Oaks, California?
Thanks!
What are some healthcare insurances available for 63 yrs old?
My mom is looking for healthcare insurance.
Name some good life insurance companies?
Burial insurance I need for future.
How much does it cost in America for Pay Per Mile Insurance?
I was curious about the Pay Per Mile Insurance and how is the pricing in America? Let's say I havent had any accidents and I want to get a car for me and I wanted to know how much per mile costs for insurance or if I were going to drive 1,000 miles a month how much will it cost and is there a contract?""
Mandating health insurance?
I heard that HIllary and Obama want to mandate health insurance. How is that going to solve anything? People can't afford it, like me. Health insurance should be like car insurance, people pay their own way and if they don't have it they pay for their repairs or don't get fixed.""
What is the price of a mini copper and its insurance?
just wondering what the price of a mini copper is to buy and the cheapest insurance? Details would be helpful Thankx
Insurance (perscription) cost question?
Ok, I just started getting birth control. My insurance requires a $100 deductible and after that my prescription is only $30 a month. So, the first pack of pills I received cost $52 and some change. I was assuming my second pack would be like, $48 and then after that would be $30 a month. Well, I got my second pack and it was like $57 and some change. That is what my birth control cost with no insurance. So what happened? I felt like I have paid more than my deductible. I expect next time my pack of pills to be only $30. Thanks!""
Why are my health insurance rates so high?
what causes health insurance rate increases?
Need Medical Insurance?
My husband has a great job but the sorry part is it doesn't come with insurance which sucks. He makes too much money to qualify for Medicaid or Chips. I need an affordable health insurance for our family. Insurance is so expensive, please help me.""
""Best car insurance, in your opinion?
I'm getting my car insured by myself for the first time and would appreciate any advice!!
""Could $5,000 cover the healthcare insurance premium for a family?""
If McCain's credit becomes reality, doesn't it seem logical that a major healthcare provider would put together an affordable health insurance package for the credit amount and ...show more""
Need a car-but how much is the insurance?
I'm 25, female and haven't even got a provisional, never had a lesson, live in salford want a car, could only afford one for 600 pound second hand, does anyone have any idea how much my insurance would be about ?""
How can I get US health insurance for my (non US residents) parents (in late 50's)?
This is both an Immigration question and a Health Insurance question. My parents will start living in the US several months a year or more as legal visitors to live with us until they get green cards and can move here permanently. They are close 56, 59 years old. How do I go about getting them health insurance so unexpected health concerns don't ruin them, they can get their prescriptions filled w/o paying an arm and a leg, etc? Are there specialized US insurance companies that offer insurance to non-residents that's worth anything? I don't need the gimmicky travel insurance that won't cover anything or require outrageous deductibles and paperwork sent to some tax haven country ... I need a reliable US insurer who can be found, operates under laws of US, has customer service who can explain their policies, etc.""
What is the best (price and care) auto insurance for someone with a DUI?
So about 7 years ago I made a mistake and got a DUI. I realize it stays on your record for 10 years but there has to be decent full coverage insurance in San Francisco that does set me back almost $200 every month. Any suggestions?
Will insurance premiums rise?
Will insurance premiums rise if you get caught breaking the law and loose demerits while the insurance is expired?
Why is barebones insurance for me going to be...?
...$150 a month for a 1985 gmc s15 4x4, valued at approx. $200 with the very basic coverage, liability only type thing. i have a 2002 chevy s10 2wd and its only $350 a month with total coverage. what the heck?! im 18, have a couple traffic violations but nothing serious (22km/h over the limit and an amended stunting ticket), i live on my own, have a steady job, and am looking for something that i can get stuck in the mud and dont give a crap about. any one know where i can go to get really cheap insurance for this? i live in alberta so it limits my choices a little from the world wide options. thanks everybody""
Teen insurance for a car!!!!!! 10pts?
Ok. For Christmas.. I'm getting a 2007 Toyota Camry. I Live in Florida, I was wondering what's the cheapest insurance I could get ? I don't want to pay for expensive insurance.. I will need full coverage I'm guessing? I'm 16. If I just add my car too my grandmothers insurance will that be cheaper ?? Thanks ????""
How long does it take for car insurances to determine fault?
I got into an accident a few days ago. It's pretty cut and dry that it was the other persons fault, however the police don't determine fault and leave it up to the insurance companies to figure out. Those who have been in a similair situation, how long from the time of the accident did it take for your insurance company to find fault in the accident. I'm curious because I'm having to pay a $1000 deductible and car rental fees. I want to make sure I get it back if its the other persons fault.""
I need help with getting insurance...?
I am 19 years old and have just passed my test, I am female. I'm not sure what car to get that will be cheap on insurance and to buy??? any help would be much appreciated.""
How to get a job as a finance & insurance manager?
I am currently a Finance Student, and new car salesman... It seems you never see F&I jobs advertized and when you do they always want people with experience in F&I... How does one get a start in F&I other than being promoted from sales, which wouldn't happen until a vacancy arises?""
What is average increase in car insurance rates after you get a speeding ticket?
Ausome that this is the persons second ticket and they cannot go to traffic school to erase the ticket
Auto insurance companies keep calling me?!?
i went online looking for some quotes now all kinds on insurance companies are call my phone leaving voice mails. about 20 calls in a hour. is there a way i can get my number off the insurance quote list /something?? thankyou!
Address change with car insurance?
when you change your address with your car insurance (ex: geico, progressive, all state, etc), do they go ahead and notify the dmv and the town you live in that you have moved and have a new address? of do you have to contact the dmv and town yourself and notify them? does the insurance company notify anybody?""
What if I can't afford my car insurance payments?
I think I do my car insurance a little different than most people. My family goes through a company who pays the insurance people in full. We then pay that company back. I got a new car in January and my insurance went from $25/mo with the '77 Ford Granada I had to over $200/mo with the 2001 Chevy Cavalier. Sad thing is my insurance per month is more than my car payment. Now I can't even afford to pay my insurance. The really bad thing is that I've only paid my car insurance once since January and now my 6 months is coming up and I still owe $1230....I have no idea what to do. Think any of you could help me?
Health insurance?
Is it a law that requires each university student to have health insurance?
""Car accident, no insurance?!!!!?""
A high school kid hit my car today, I was at a stop sign and he turned too early and hit my car. I do not have insurance(welp I know, I'm a single mother we can't afford it all). Anyway, he did have insurance and he was at fault. Will his insurance cover the cost to fix my car or no? Since I didn't have insurance and all that is?""
What is the least expensive car insurance in Thousand Oaks, California?
Thanks!
https://www.linkedin.com/pulse/how-much-insurance-cost-x3-cleofa-escobedo"
0 notes
cristinajourdanqp · 7 years
Text
How Should We Harness Behavioral Economics for Better Health?
As much as humans think they’re objective beings whose every decision emerges from cold logical calculation, we’re just irrational, emotional animals. That’s why stories and anecdotes are more convincing than facts, why people fear losing money twice as much as they enjoy making it, and why the guy making $100k per year feels poor if his neighbors make twice that. This kind of phenomenon is best explained by behavioral economics, a method of economic inquiry that uses psychological, emotional, cognitive, and social factors to explain why we make the often-irrational financial choices we do. And it has some interesting applications for health
.
In a recent piece in the NY Times, a doctor discussed how health care professionals are beginning to leverage behavioral economics to make their patients healthier. He begins with a few examples of behavioral economics in action.
People are more likely to choose an option if it’s the default position. In one study, countries where people had to opt-out of organ donation had organ donor rates of over 90%, compared to donor rates of 4 to 27% in places where people had to opt-in.
People are more likely to make a decision when given fewer options. Too many options make decision-making harder, as anyone who’s spent two hours reading hand blender reviews on Amazon before giving up and ordering nothing can tell you.
While we wait for the experts and authorities to fine-tune their benevolent social nudges, how can we take advantage of behavioral economics for our own health?
Penalties Work Better Than Rewards
People hate losing money. Future rewards are just that: in the future. They’re abstractions. Forking over money, placing your own hard-earned cash in limbo while you succeed or fail is very real. You had money, then it went away. That’s happening in the present moment, and you feel it—rather poignantly. As behavioral economics pioneers Kahneman and Tversky said in 1979, “losses loom larger than gains.”
Stickk was created by a behavioral economist who knew the power of loss aversion. With StickK, users interested in accomplishing a goal formally make a commitment to reach that goal by a certain date and put some of their own money on the line to be forfeited if the commitment is not fulfilled. You set the goal, lay out the stakes of your commitment (how much money, if any, will you put on the line, and where will the money go if you fail?), choose a “referee” to track your progress, keep you honest and report your progress to StickK, and choose other StickK users as supporters to cheer you on. Choose a goal template or create your own from scratch. Goals can be ongoing commitments requiring constant check-ins, or one-time things where you either succeed or fail.
Another option is Pavlok, a device created by the guy who paid a woman off Craigslist to slap him across the face each time he stopped focusing on his work. You strap the Pavlok onto your wrist—it looks a lot like a FitBit—and decide on a bad habit you’d like to break or a good one you’d like to establish. Each time you fail to hold your side of the bargain, the Pavlok zaps you with a mild but uncomfortable electric shock. (This option might not be for everyone, but I’d love to hear from those who do try it.)
Don’t Shop When You’re Hungry
Shopping for anything when hungry is a bad idea. Studies show that hunger increases the amount we spend, even if we’re shopping for something totally unrelated to food. When you’re hungry, you desire more of everything.
Hungry grocery shoppers make worse choices, too, choosing unhealthier, higher-calorie junk food over healthier, lower-calorie real food.
To this, I’d also add the tangentially related “Don’t go out to eat at an expensive sushi restaurant if you’re starving.” There’s no quicker way to run up a bill.
If you must go shopping while hungry, prepare a list beforehand. That list will be your life vest of rationality in the stormy, boiling sea of gurgling stomach juices drifting you toward the snack aisle.
Sink Your Costs in Health
You may have heard of the “sunk cost fallacy”—which describes how people feel compelled to stick with something they’ve already paid for, even if it’s horrible, just to “get their money’s worth.” It usually refers to a negative, harmful behavior.
Sometimes the sunk cost mentality is helpful, though. Wasting 3 hours of your life on an awful movie just bcause you paid $12 is bad. Going to the gym three times a week for a full year because you paid $1000 for the year membership up front is good. Both are sunk costs, but one has a good result. Other examples of positive sunk costs include personal training sessions, massage sessions, expensive exercise equipment (barbells, stationary bikes, kettlebells, etc).
Price matters here. The sunk cost effect will be greater the higher your initial investment. It’s harder to ignore a $1000-a-year membership at the local powerlifting gym than it is to ignore the Planet Fitness package you got for less than $100.
Surround Yourself with People Making the Choices You Want to Make
According to a 2013 study, people tend to converge to the lowest common denominator. Office workers were all given access to treadmill desks, then followed for six months. When people got regular updates about everyone else’s treadmill usage, they used them less, regressed to the lowest common denominator. When people didn’t know how often the others were using the treadmills, usage went up.
Since social media and basic physical proximity make it nearly impossible ot avoid knowing what everyone else is doing, your best bet is to surround yourself with people doing awesome, healthy things on a regular basis. Follow Facebook and Instagram friends with healthy habits. Train at a gym where the other people’s feats inspire you. Make sure the lowest common denominator is higher than most.
Order Groceries
When you’re at the grocery store, even a healthy one like Whole Foods, they’re tugging on your emotions and base desires at every turn. I don’t fault them for it. It’s how merchandising works. Just know that’s what you’re walking into, unless you decide not to walk into the store at all.
These days, that’s actually possible. You can order groceries from a place like Thrive (my favorite) or Instacart. Instead of idly browsing through the entire store’s inventory, where you might run into something junky, you search for the exact categories you want, and then you browse. If you don’t want the gluten-free almond flour macaroons you can’t ever walk past, you simply don’t search for them.
Don’t Just Imagine the Worst Possible Scenario—Feel It
In an effort to dissuade cigarette usage, many countries have established laws requiring the use of graphic warning labels that depict potential consequences of long-term smoking, in lurid detail. Does the sight of a cancerous orifice, tracheotomy hole, or dead body make people more likely to try quitting? It appears so. Graphic warning labels correlate with both more attempts to quit and reduced rates of smoking. 
This can work for everyday health practices, too. Immerse yourself in graphic, visceral evidence of the worst thing than can happen to you if you don’t lose weight/exercise/do what you need to do.
Prediabetic? Rev up the images of diabetic foot amputations and festering sores.
Stiff and inactive? Look up knee replacements, watch arthroscopic surgery videos.
Make Healthy Food and Exercise the Default
We stick with the default option more often than not. It’s harder to opt-out than opt-in. Make it so that you have to opt-out of eating right and exercising.
Every Sunday, do meal prep for the rest of the week. Cook up a big batch of something. That way, if you want something unhealthy, you have to “opt-out” of eating the healthy food you already have prepared and ready to go. This also works on smaller scales, such as keeping hard-boiled eggs on hand or chopping veggies and prepping salad makings days in advance.
A few ideas for making exercise and movement the default position:
Start active commuting to work.
Eliminate your office chair. Force yourself to stand (or walk).
Keep a kettlebell (or barbell, or dumbbell, or weight vest, or any piece of equipment) right outside your bedroom door. Whenever you wake up, there it is waiting for you.
Behavioral economics is powerful and, in my opinion, quite accurate. Most of us “use” it every day without even realizing it. How else can you leverage behavioral economics to make it easier to eat, move, and live Primally?
Thanks for reading, everyone. Take care.
0 notes
watsonrodriquezie · 7 years
Text
How Should We Harness Behavioral Economics for Better Health?
As much as humans think they’re objective beings whose every decision emerges from cold logical calculation, we’re just irrational, emotional animals. That’s why stories and anecdotes are more convincing than facts, why people fear losing money twice as much as they enjoy making it, and why the guy making $100k per year feels poor if his neighbors make twice that. This kind of phenomenon is best explained by behavioral economics, a method of economic inquiry that uses psychological, emotional, cognitive, and social factors to explain why we make the often-irrational financial choices we do. And it has some interesting applications for health
.
In a recent piece in the NY Times, a doctor discussed how health care professionals are beginning to leverage behavioral economics to make their patients healthier. He begins with a few examples of behavioral economics in action.
People are more likely to choose an option if it’s the default position. In one study, countries where people had to opt-out of organ donation had organ donor rates of over 90%, compared to donor rates of 4 to 27% in places where people had to opt-in.
People are more likely to make a decision when given fewer options. Too many options make decision-making harder, as anyone who’s spent two hours reading hand blender reviews on Amazon before giving up and ordering nothing can tell you.
While we wait for the experts and authorities to fine-tune their benevolent social nudges, how can we take advantage of behavioral economics for our own health?
Penalties Work Better Than Rewards
People hate losing money. Future rewards are just that: in the future. They’re abstractions. Forking over money, placing your own hard-earned cash in limbo while you succeed or fail is very real. You had money, then it went away. That’s happening in the present moment, and you feel it—rather poignantly. As behavioral economics pioneers Kahneman and Tversky said in 1979, “losses loom larger than gains.”
Stickk was created by a behavioral economist who knew the power of loss aversion. With StickK, users interested in accomplishing a goal formally make a commitment to reach that goal by a certain date and put some of their own money on the line to be forfeited if the commitment is not fulfilled. You set the goal, lay out the stakes of your commitment (how much money, if any, will you put on the line, and where will the money go if you fail?), choose a “referee” to track your progress, keep you honest and report your progress to StickK, and choose other StickK users as supporters to cheer you on. Choose a goal template or create your own from scratch. Goals can be ongoing commitments requiring constant check-ins, or one-time things where you either succeed or fail.
Another option is Pavlok, a device created by the guy who paid a woman off Craigslist to slap him across the face each time he stopped focusing on his work. You strap the Pavlok onto your wrist—it looks a lot like a FitBit—and decide on a bad habit you’d like to break or a good one you’d like to establish. Each time you fail to hold your side of the bargain, the Pavlok zaps you with a mild but uncomfortable electric shock. (This option might not be for everyone, but I’d love to hear from those who do try it.)
Don’t Shop When You’re Hungry
Shopping for anything when hungry is a bad idea. Studies show that hunger increases the amount we spend, even if we’re shopping for something totally unrelated to food. When you’re hungry, you desire more of everything.
Hungry grocery shoppers make worse choices, too, choosing unhealthier, higher-calorie junk food over healthier, lower-calorie real food.
To this, I’d also add the tangentially related “Don’t go out to eat at an expensive sushi restaurant if you’re starving.” There’s no quicker way to run up a bill.
If you must go shopping while hungry, prepare a list beforehand. That list will be your life vest of rationality in the stormy, boiling sea of gurgling stomach juices drifting you toward the snack aisle.
Sink Your Costs in Health
You may have heard of the “sunk cost fallacy”—which describes how people feel compelled to stick with something they’ve already paid for, even if it’s horrible, just to “get their money’s worth.” It usually refers to a negative, harmful behavior.
Sometimes the sunk cost mentality is helpful, though. Wasting 3 hours of your life on an awful movie just bcause you paid $12 is bad. Going to the gym three times a week for a full year because you paid $1000 for the year membership up front is good. Both are sunk costs, but one has a good result. Other examples of positive sunk costs include personal training sessions, massage sessions, expensive exercise equipment (barbells, stationary bikes, kettlebells, etc).
Price matters here. The sunk cost effect will be greater the higher your initial investment. It’s harder to ignore a $1000-a-year membership at the local powerlifting gym than it is to ignore the Planet Fitness package you got for less than $100.
Surround Yourself with People Making the Choices You Want to Make
According to a 2013 study, people tend to converge to the lowest common denominator. Office workers were all given access to treadmill desks, then followed for six months. When people got regular updates about everyone else’s treadmill usage, they used them less, regressed to the lowest common denominator. When people didn’t know how often the others were using the treadmills, usage went up.
Since social media and basic physical proximity make it nearly impossible ot avoid knowing what everyone else is doing, your best bet is to surround yourself with people doing awesome, healthy things on a regular basis. Follow Facebook and Instagram friends with healthy habits. Train at a gym where the other people’s feats inspire you. Make sure the lowest common denominator is higher than most.
Order Groceries
When you’re at the grocery store, even a healthy one like Whole Foods, they’re tugging on your emotions and base desires at every turn. I don’t fault them for it. It’s how merchandising works. Just know that’s what you’re walking into, unless you decide not to walk into the store at all.
These days, that’s actually possible. You can order groceries from a place like Thrive (my favorite) or Instacart. Instead of idly browsing through the entire store’s inventory, where you might run into something junky, you search for the exact categories you want, and then you browse. If you don’t want the gluten-free almond flour macaroons you can’t ever walk past, you simply don’t search for them.
Don’t Just Imagine the Worst Possible Scenario—Feel It
In an effort to dissuade cigarette usage, many countries have established laws requiring the use of graphic warning labels that depict potential consequences of long-term smoking, in lurid detail. Does the sight of a cancerous orifice, tracheotomy hole, or dead body make people more likely to try quitting? It appears so. Graphic warning labels correlate with both more attempts to quit and reduced rates of smoking. 
This can work for everyday health practices, too. Immerse yourself in graphic, visceral evidence of the worst thing than can happen to you if you don’t lose weight/exercise/do what you need to do.
Prediabetic? Rev up the images of diabetic foot amputations and festering sores.
Stiff and inactive? Look up knee replacements, watch arthroscopic surgery videos.
Make Healthy Food and Exercise the Default
We stick with the default option more often than not. It’s harder to opt-out than opt-in. Make it so that you have to opt-out of eating right and exercising.
Every Sunday, do meal prep for the rest of the week. Cook up a big batch of something. That way, if you want something unhealthy, you have to “opt-out” of eating the healthy food you already have prepared and ready to go. This also works on smaller scales, such as keeping hard-boiled eggs on hand or chopping veggies and prepping salad makings days in advance.
A few ideas for making exercise and movement the default position:
Start active commuting to work.
Eliminate your office chair. Force yourself to stand (or walk).
Keep a kettlebell (or barbell, or dumbbell, or weight vest, or any piece of equipment) right outside your bedroom door. Whenever you wake up, there it is waiting for you.
Behavioral economics is powerful and, in my opinion, quite accurate. Most of us “use” it every day without even realizing it. How else can you leverage behavioral economics to make it easier to eat, move, and live Primally?
Thanks for reading, everyone. Take care.
0 notes
milenasanchezmk · 7 years
Text
How Should We Harness Behavioral Economics for Better Health?
As much as humans think they’re objective beings whose every decision emerges from cold logical calculation, we’re just irrational, emotional animals. That’s why stories and anecdotes are more convincing than facts, why people fear losing money twice as much as they enjoy making it, and why the guy making $100k per year feels poor if his neighbors make twice that. This kind of phenomenon is best explained by behavioral economics, a method of economic inquiry that uses psychological, emotional, cognitive, and social factors to explain why we make the often-irrational financial choices we do. And it has some interesting applications for health
.
In a recent piece in the NY Times, a doctor discussed how health care professionals are beginning to leverage behavioral economics to make their patients healthier. He begins with a few examples of behavioral economics in action.
People are more likely to choose an option if it’s the default position. In one study, countries where people had to opt-out of organ donation had organ donor rates of over 90%, compared to donor rates of 4 to 27% in places where people had to opt-in.
People are more likely to make a decision when given fewer options. Too many options make decision-making harder, as anyone who’s spent two hours reading hand blender reviews on Amazon before giving up and ordering nothing can tell you.
While we wait for the experts and authorities to fine-tune their benevolent social nudges, how can we take advantage of behavioral economics for our own health?
Penalties Work Better Than Rewards
People hate losing money. Future rewards are just that: in the future. They’re abstractions. Forking over money, placing your own hard-earned cash in limbo while you succeed or fail is very real. You had money, then it went away. That’s happening in the present moment, and you feel it—rather poignantly. As behavioral economics pioneers Kahneman and Tversky said in 1979, “losses loom larger than gains.”
Stickk was created by a behavioral economist who knew the power of loss aversion. With StickK, users interested in accomplishing a goal formally make a commitment to reach that goal by a certain date and put some of their own money on the line to be forfeited if the commitment is not fulfilled. You set the goal, lay out the stakes of your commitment (how much money, if any, will you put on the line, and where will the money go if you fail?), choose a “referee” to track your progress, keep you honest and report your progress to StickK, and choose other StickK users as supporters to cheer you on. Choose a goal template or create your own from scratch. Goals can be ongoing commitments requiring constant check-ins, or one-time things where you either succeed or fail.
Another option is Pavlok, a device created by the guy who paid a woman off Craigslist to slap him across the face each time he stopped focusing on his work. You strap the Pavlok onto your wrist—it looks a lot like a FitBit—and decide on a bad habit you’d like to break or a good one you’d like to establish. Each time you fail to hold your side of the bargain, the Pavlok zaps you with a mild but uncomfortable electric shock. (This option might not be for everyone, but I’d love to hear from those who do try it.)
Don’t Shop When You’re Hungry
Shopping for anything when hungry is a bad idea. Studies show that hunger increases the amount we spend, even if we’re shopping for something totally unrelated to food. When you’re hungry, you desire more of everything.
Hungry grocery shoppers make worse choices, too, choosing unhealthier, higher-calorie junk food over healthier, lower-calorie real food.
To this, I’d also add the tangentially related “Don’t go out to eat at an expensive sushi restaurant if you’re starving.” There’s no quicker way to run up a bill.
If you must go shopping while hungry, prepare a list beforehand. That list will be your life vest of rationality in the stormy, boiling sea of gurgling stomach juices drifting you toward the snack aisle.
Sink Your Costs in Health
You may have heard of the “sunk cost fallacy”—which describes how people feel compelled to stick with something they’ve already paid for, even if it’s horrible, just to “get their money’s worth.” It usually refers to a negative, harmful behavior.
Sometimes the sunk cost mentality is helpful, though. Wasting 3 hours of your life on an awful movie just bcause you paid $12 is bad. Going to the gym three times a week for a full year because you paid $1000 for the year membership up front is good. Both are sunk costs, but one has a good result. Other examples of positive sunk costs include personal training sessions, massage sessions, expensive exercise equipment (barbells, stationary bikes, kettlebells, etc).
Price matters here. The sunk cost effect will be greater the higher your initial investment. It’s harder to ignore a $1000-a-year membership at the local powerlifting gym than it is to ignore the Planet Fitness package you got for less than $100.
Surround Yourself with People Making the Choices You Want to Make
According to a 2013 study, people tend to converge to the lowest common denominator. Office workers were all given access to treadmill desks, then followed for six months. When people got regular updates about everyone else’s treadmill usage, they used them less, regressed to the lowest common denominator. When people didn’t know how often the others were using the treadmills, usage went up.
Since social media and basic physical proximity make it nearly impossible ot avoid knowing what everyone else is doing, your best bet is to surround yourself with people doing awesome, healthy things on a regular basis. Follow Facebook and Instagram friends with healthy habits. Train at a gym where the other people’s feats inspire you. Make sure the lowest common denominator is higher than most.
Order Groceries
When you’re at the grocery store, even a healthy one like Whole Foods, they’re tugging on your emotions and base desires at every turn. I don’t fault them for it. It’s how merchandising works. Just know that’s what you’re walking into, unless you decide not to walk into the store at all.
These days, that’s actually possible. You can order groceries from a place like Thrive (my favorite) or Instacart. Instead of idly browsing through the entire store’s inventory, where you might run into something junky, you search for the exact categories you want, and then you browse. If you don’t want the gluten-free almond flour macaroons you can’t ever walk past, you simply don’t search for them.
Don’t Just Imagine the Worst Possible Scenario—Feel It
In an effort to dissuade cigarette usage, many countries have established laws requiring the use of graphic warning labels that depict potential consequences of long-term smoking, in lurid detail. Does the sight of a cancerous orifice, tracheotomy hole, or dead body make people more likely to try quitting? It appears so. Graphic warning labels correlate with both more attempts to quit and reduced rates of smoking. 
This can work for everyday health practices, too. Immerse yourself in graphic, visceral evidence of the worst thing than can happen to you if you don’t lose weight/exercise/do what you need to do.
Prediabetic? Rev up the images of diabetic foot amputations and festering sores.
Stiff and inactive? Look up knee replacements, watch arthroscopic surgery videos.
Make Healthy Food and Exercise the Default
We stick with the default option more often than not. It’s harder to opt-out than opt-in. Make it so that you have to opt-out of eating right and exercising.
Every Sunday, do meal prep for the rest of the week. Cook up a big batch of something. That way, if you want something unhealthy, you have to “opt-out” of eating the healthy food you already have prepared and ready to go. This also works on smaller scales, such as keeping hard-boiled eggs on hand or chopping veggies and prepping salad makings days in advance.
A few ideas for making exercise and movement the default position:
Start active commuting to work.
Eliminate your office chair. Force yourself to stand (or walk).
Keep a kettlebell (or barbell, or dumbbell, or weight vest, or any piece of equipment) right outside your bedroom door. Whenever you wake up, there it is waiting for you.
Behavioral economics is powerful and, in my opinion, quite accurate. Most of us “use” it every day without even realizing it. How else can you leverage behavioral economics to make it easier to eat, move, and live Primally?
Thanks for reading, everyone. Take care.
0 notes
fishermariawo · 7 years
Text
How Should We Harness Behavioral Economics for Better Health?
As much as humans think they’re objective beings whose every decision emerges from cold logical calculation, we’re just irrational, emotional animals. That’s why stories and anecdotes are more convincing than facts, why people fear losing money twice as much as they enjoy making it, and why the guy making $100k per year feels poor if his neighbors make twice that. This kind of phenomenon is best explained by behavioral economics, a method of economic inquiry that uses psychological, emotional, cognitive, and social factors to explain why we make the often-irrational financial choices we do. And it has some interesting applications for health
.
In a recent piece in the NY Times, a doctor discussed how health care professionals are beginning to leverage behavioral economics to make their patients healthier. He begins with a few examples of behavioral economics in action.
People are more likely to choose an option if it’s the default position. In one study, countries where people had to opt-out of organ donation had organ donor rates of over 90%, compared to donor rates of 4 to 27% in places where people had to opt-in.
People are more likely to make a decision when given fewer options. Too many options make decision-making harder, as anyone who’s spent two hours reading hand blender reviews on Amazon before giving up and ordering nothing can tell you.
While we wait for the experts and authorities to fine-tune their benevolent social nudges, how can we take advantage of behavioral economics for our own health?
Penalties Work Better Than Rewards
People hate losing money. Future rewards are just that: in the future. They’re abstractions. Forking over money, placing your own hard-earned cash in limbo while you succeed or fail is very real. You had money, then it went away. That’s happening in the present moment, and you feel it—rather poignantly. As behavioral economics pioneers Kahneman and Tversky said in 1979, “losses loom larger than gains.”
Stickk was created by a behavioral economist who knew the power of loss aversion. With StickK, users interested in accomplishing a goal formally make a commitment to reach that goal by a certain date and put some of their own money on the line to be forfeited if the commitment is not fulfilled. You set the goal, lay out the stakes of your commitment (how much money, if any, will you put on the line, and where will the money go if you fail?), choose a “referee” to track your progress, keep you honest and report your progress to StickK, and choose other StickK users as supporters to cheer you on. Choose a goal template or create your own from scratch. Goals can be ongoing commitments requiring constant check-ins, or one-time things where you either succeed or fail.
Another option is Pavlok, a device created by the guy who paid a woman off Craigslist to slap him across the face each time he stopped focusing on his work. You strap the Pavlok onto your wrist—it looks a lot like a FitBit—and decide on a bad habit you’d like to break or a good one you’d like to establish. Each time you fail to hold your side of the bargain, the Pavlok zaps you with a mild but uncomfortable electric shock. (This option might not be for everyone, but I’d love to hear from those who do try it.)
Don’t Shop When You’re Hungry
Shopping for anything when hungry is a bad idea. Studies show that hunger increases the amount we spend, even if we’re shopping for something totally unrelated to food. When you’re hungry, you desire more of everything.
Hungry grocery shoppers make worse choices, too, choosing unhealthier, higher-calorie junk food over healthier, lower-calorie real food.
To this, I’d also add the tangentially related “Don’t go out to eat at an expensive sushi restaurant if you’re starving.” There’s no quicker way to run up a bill.
If you must go shopping while hungry, prepare a list beforehand. That list will be your life vest of rationality in the stormy, boiling sea of gurgling stomach juices drifting you toward the snack aisle.
Sink Your Costs in Health
You may have heard of the “sunk cost fallacy”—which describes how people feel compelled to stick with something they’ve already paid for, even if it’s horrible, just to “get their money’s worth.” It usually refers to a negative, harmful behavior.
Sometimes the sunk cost mentality is helpful, though. Wasting 3 hours of your life on an awful movie just bcause you paid $12 is bad. Going to the gym three times a week for a full year because you paid $1000 for the year membership up front is good. Both are sunk costs, but one has a good result. Other examples of positive sunk costs include personal training sessions, massage sessions, expensive exercise equipment (barbells, stationary bikes, kettlebells, etc).
Price matters here. The sunk cost effect will be greater the higher your initial investment. It’s harder to ignore a $1000-a-year membership at the local powerlifting gym than it is to ignore the Planet Fitness package you got for less than $100.
Surround Yourself with People Making the Choices You Want to Make
According to a 2013 study, people tend to converge to the lowest common denominator. Office workers were all given access to treadmill desks, then followed for six months. When people got regular updates about everyone else’s treadmill usage, they used them less, regressed to the lowest common denominator. When people didn’t know how often the others were using the treadmills, usage went up.
Since social media and basic physical proximity make it nearly impossible ot avoid knowing what everyone else is doing, your best bet is to surround yourself with people doing awesome, healthy things on a regular basis. Follow Facebook and Instagram friends with healthy habits. Train at a gym where the other people’s feats inspire you. Make sure the lowest common denominator is higher than most.
Order Groceries
When you’re at the grocery store, even a healthy one like Whole Foods, they’re tugging on your emotions and base desires at every turn. I don’t fault them for it. It’s how merchandising works. Just know that’s what you’re walking into, unless you decide not to walk into the store at all.
These days, that’s actually possible. You can order groceries from a place like Thrive (my favorite) or Instacart. Instead of idly browsing through the entire store’s inventory, where you might run into something junky, you search for the exact categories you want, and then you browse. If you don’t want the gluten-free almond flour macaroons you can’t ever walk past, you simply don’t search for them.
Don’t Just Imagine the Worst Possible Scenario—Feel It
In an effort to dissuade cigarette usage, many countries have established laws requiring the use of graphic warning labels that depict potential consequences of long-term smoking, in lurid detail. Does the sight of a cancerous orifice, tracheotomy hole, or dead body make people more likely to try quitting? It appears so. Graphic warning labels correlate with both more attempts to quit and reduced rates of smoking. 
This can work for everyday health practices, too. Immerse yourself in graphic, visceral evidence of the worst thing than can happen to you if you don’t lose weight/exercise/do what you need to do.
Prediabetic? Rev up the images of diabetic foot amputations and festering sores.
Stiff and inactive? Look up knee replacements, watch arthroscopic surgery videos.
Make Healthy Food and Exercise the Default
We stick with the default option more often than not. It’s harder to opt-out than opt-in. Make it so that you have to opt-out of eating right and exercising.
Every Sunday, do meal prep for the rest of the week. Cook up a big batch of something. That way, if you want something unhealthy, you have to “opt-out” of eating the healthy food you already have prepared and ready to go. This also works on smaller scales, such as keeping hard-boiled eggs on hand or chopping veggies and prepping salad makings days in advance.
A few ideas for making exercise and movement the default position:
Start active commuting to work.
Eliminate your office chair. Force yourself to stand (or walk).
Keep a kettlebell (or barbell, or dumbbell, or weight vest, or any piece of equipment) right outside your bedroom door. Whenever you wake up, there it is waiting for you.
Behavioral economics is powerful and, in my opinion, quite accurate. Most of us “use” it every day without even realizing it. How else can you leverage behavioral economics to make it easier to eat, move, and live Primally?
Thanks for reading, everyone. Take care.
0 notes