Welcome to the archived web site of
Will Joel Friedman, Ph.D. Psychologist (1950-2013)
California License No. PSY 10092
 
Specializing in Presence-Centered Therapy
balancing mind and heart, body and spirit

Now in memoriam - This website is no longer being updated

 


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Resource Link Catagories:

Money Management, Retirement & Practical Information for Modern Life


Money Management & Retirement | Practical Information for Modern Life

Money Wise

Money wise: Budgeting, regulating and managing money well—Mint offers many easy budgeting tools and ways to manage your monies all for free. Several links provide helpful structures for handling, budgeting, regulating and managing money well. Some of the links provide rules that kids can learn to use the resource of money with intelligence and good judgment. Setting up a Living Trust is a protection against probate and well worth looking into. The hard-won recommendations available on these links can help prevent much unnecessary drama, heartache, sorrow and regret. A word to the wise.
mint.com
ehow.co.uk/articles_2298-budgeting-money.html
online.wsj.com/article...latestheadlines
kidmoney.about.com/od/teachingchildren/a/teachkidsmoney.htm
selfgrowth.com/articles/10_Rules_About_Money.html
money.cnn.com.../gallery.20_rules.moneymag/index.html
thesimpledollar.com/2009/06/19/rule-1-spend-less-than-you-earn
the-money-cafe.com/7-Spiritual-Rules-of-Money.html
en.wikipedia.org/wiki/Money
about.com/money
savewealth.com/planning/estate/livingtrusts
en.wikipedia.org/wiki/Living_trust
nolo.com/legal-encyclopedia/faqEditorial-29036.html
findlegalforms.com...estate-planning/why-do-you-need-a-living-trust

Engage Consumer Credit Counseling Services when your budget is way out of line—some possibilities in the East Bay San Francisco Bay area and in San Francisco, California are offered at the links below. Please investigate thoroughly!
consumerservicesguide.org...csg_consumer_credit_counseling_service...east_bay~
cccssf.org
managedebttoday.com/california.htm
stopccdebt.com/Agency_List_CA.htm

Debt Consolidation: These services, often advisable in theory when someone is paying credit card debt, entails taking out one loan to pay off many others, apparently having a more negative impact your credit than going through a consumer credit counseling service. The third link below goes through 5 ways to pay off debt. Others consider debt consolidation a "con" given you get the illusion that you've done something about your debt, when you still have your debt and the habits that caused it. Weigh the alternatives and come to your own view.
en.wikipedia.org/wiki/Debt_consolidation
debtconsolidationcare.com/
debtconsolidationcare.com/
debtconsolidation.com/
daveramsey.com/article/the-truth-about-debt-consolidation/

7 Life Lessons from the Very Wealthy & Ken Fisher's book "The Ten Roads to Riches" (2009) are invaluable.
washingtonpost.com/business/7-life-lessons-from-the-very-wealthy/2011/06~
think-differently.org/2009/07/ten-roads-to-riches/

How your religion is associated with your financial life is revealed in May 2011 research findings, including a terrific graphic.
nytimes.com/2011/05/15/magazine/is-your-religion-your-financial-destiny.html
nytimes.com/imagepages/2011/05/15/magazine/15-Leonhardt.html?ref=magazine

Managing your money though a timeline of financial tasks (e.g., college education, getting married, saving for retirement, buying a home, paying for a child's college, and so on) with relevant solid information at every stage, put together in May 2011 by the New York Times and Marketplace Money, the public radio show produced by American Public Media. This helps to give the big picture for developing your own healthy informed financial vision.
nytimes.com...finance-checklist.html?ref=moneythroughtheages
topics.nytimes.com/your-money/money-through-the-ages/index.html?nl=your-money&emc=your-moneyemb2

Four distinct "Money Scripts" that significantly correlated with income and net worth—money avoidance, money worship, money status and money vigilance, according to research released in early 2011 and summarized in a May 2011 New York Times article: Research reveals that it is really not about money at all; rather is illustrates more what money represents and what psychological needs it fulfills.
nytimes.com/2011/05/07/your-money/07wealth.html?src=recg

Here is the in-depth study: 451-5109-1-PB.pdf

Also read Dr. Friedman's article "Claiming the Well Being You Are—Transforming Your Relationship to Money"
willjoelfriedman.com/articles/articFlow-Claiming.html

Smart Retirement is using after-tax monies for Tax-Free retirement when you take the money out and keep control of your retirement monies, planning and management: There's the normal way people retire with their tax-qualified retirement plan (e.g., 401K, IRA accounts and profit-sharing plans) as well as stocks, mutual funds, real estate (that are subject to Capital Gains tax) are vulnerable upon reaching retirement age to federal tax depending on the income tax bracket you are in at the time of withdrawal of funds. Typically people don't avoid tax so much as delay paying tax. Author Patrick Kelly in his 173 page book Tax-Free Retirement (2007) using plain practical language spells out what he calls the nine financial land mines and four retirement traps before sharing tax-free retirement approaches, accenting three retirement vehicles, especially the first one: 1) Permanent life insurance (that builds up equity, such as universal life, with before-tax money that is counted as income, and therefore taxable); 2) Municipal bonds (before tax money); and 3) Roth IRA (after tax money). Consider none of this as offering any form of financial advise. At the same time his book is well worth reading carefully. The major advantage of paying the tax as you go on retirement monies appears to be avoiding placing before-tax monies into qualified retirement accounts that have many requirements, including often expensive yearly financial management costs. This approach allows YOU to be the one that completely manages your retirement monies / investments, given that you have paid the tax and purely use after-tax money. [This in no way is to be construed as offering professional financial or retirement advise. Please check with authoritative retirement / financial professionals!] Other links provide additional support for these approaches to retirement financial planning, especially using an "equity-indexed universal life insurance" (EIUL), that is, permanent life insurance that offers all the benefits of universal life with accumulation values tied to a stock market index. Finding a retirement-friendly state in terms of paying income tax, taxing your pension at the state level, social security benefits, sales taxes and property taxes may be most attractive according to several links. Several links recommend a Health Saving Account (HSA), with one offering an article by Carla Fried that makes the case that opening up a Health Savings Account is helpful for a family in "effectively boosting its annual tax-advantaged retirement savings by 14%..." Even after being informed, above all, count on yourself as your own authority.
tax-freeretirement.com
jameslepine.com/?p=275
biggerpockets.com/renewsblog/2008/11/21/a-tax-free-retirement
financialplan.about.com...Roth-IRAs-Offer-Flexibility-and-Tax-Free-Returns~
moneywatch.bnet.com/saving-money/article/the-rockin-tax-free-roth~
investopedia.com/articles/taxes/08/retirement-tax-states.asp
moneycentral.msn.com/content/retirementandwills/p45875.asp
moneywatch.bnet.com...backdoor-strategy-boosts-tax-free-retirement-savings~ 

Best Jobs / Earnings / Job Search Skills / Job Candidates

Best jobs in America: CNN Money.com compiles the "Best Jobs In America" for 2010-2011 from the November 2010 issue of Money magazine. Also listed are the top ten jobs in regard to high pay, job growth, and quality of life. Jobs and their ranking are also listed by specialized sectors. U. S. News & World Report offers "Best Careers" for 2009 and 2010 that detail the 50 best careers along with picks by field. Other sites also provide the best and worst paying jobs, comprehensive ranking of the best and worst jobs, and the most and least stressful jobs.
money.cnn.com/magazines/moneymag/bestjobs/2010/full_list~
workforamerica.com/Article...Job-Search-25-Best-Jobs-for-2009~
careercast.com/jobs/content/JobsRated_10BestJobs
careercast.com/jobs/content/JobsRated_Top200Jobs
usnews.com...2009/08/28/americas-best-careers-2009.html
usnews.com/money/careers/articles...the-50-best-careers-of-2010.html~
usnews.com/money/careers/features/best-careers-2010
forbes.com...america-best-paying-leadership-careers-jobs~
forbes.com...america-worst-paying-leadership-careers-jobs-slide~
careercast.com/jobs/content/JobsRated_StressfulJobs
careercast.com/jobs/content/StressfulJobs_page2

The Health Benefits of Staying Loyal and Committed to Your Job for the Long Term, according to a growing body of research findings as reported in June 2011 in The Wall Street Journal.
online.wsj.com/article~

Median Earnings by college major group reveals disparity in earnings of majors, according to a May 2011 research study by Georgetown University in Washington, D.C.—Peruse the top 10 and bottom 10 college majors for median earnings. Employment potential includes fields with virtually no unemployment (including geological and geophysical engineering, military technologies, pharmacology and school student counseling) and field with the highest unemployment (including social psychology, nuclear engineering, and educational administration and supervision). In terms of graduate degrees, the report reveals that obtaining a graduate-level degree does lead to higher earnings, with the highest earnings bump in areas related to healthcare and biology: health and medical preparatory programs (190 %), miscellaneous social sciences (134%) and zoology (123%). The lowest earnings boost from advanced degrees are: atmospheric sciences and meterology(1%), studio arts (3%) and petroleum engineering (7%). While it's fine to be informed, earnings are not the whole picture. What it worth to do what you love, instead of what you are blasé about or hate?
contracostatimes.com/business/ci_18146419?nclick_check=1
time.com/time/specials/packages/completelist/0,29569,2073703,00.html
time.com/time/specials/packages/article/0,28804,2073703_2073653,00.html~
baylorfans.com/forums/showthread.php?t=213464
cew.georgetown.edu/219725.html
chronicle.com/article/Whats-a-Degree-Worth-Report/127612/
jobs.aol.com/articles/2011/05/24/study-tells-students-what-their-major-is-worth

Employers often prefer to hire employed job candidates over unemployed ones, according to recent research, AND it's easier to find a job when unemployed (the later findings being supported in a November 2010 research report). Is it a paradox, that is, both findings are true, although they appear contradictory? Read on for yourself.
theworkbuzz.com...really-new-report-says-its-easier-to-find-a-job-when-unemployed
recruitmenttoday.net...Easier to find new job when unemployed~
bnet.com/blog/evil-hr-lady/unemployed-then-don-8217t-bother-applying/438
online.wsj.com/article/SB10001424052970203872404574257983795638374.html

Second Careers: 50 top jobs for a career change over age 50 + 10 most common jobs & top jobs for older workers + Jobs wisdom for older workers deemed 'over-qualified'—ther links point to job opportunities and strategies for older workers.
aarp.org/work/working-after-retirement/info-06-2011/jobs-for-a-second-career.html?cmp=NLC-WBLTR-CTRL-070811-F2t-7&USEG_ID=12072603744
money.usnews.com/money/blogs/planning-to-retire/2008/06/04/the-10-most-common-jobs-for-older-workers
freemoneyfinance.com/2007/06/ten_top_jobs_fo.html
articles.moneycentral.msn.com...7-great-jobs-for-not-quite-retirees~
telegraph.co.uk...Jobs-wisdom-for-older-workers-deemed-over-qualified~
abcnews.go.com/Business/JobClub/best-jobs-retirees-supplement-income/story?id=12798954

Most popular Internet job and career search sites: Dice.com specializing in tech jobs recently added.
careerbuilder.com
monster.com
indeed.com/jobs
simplyhired.com
sfbay.craigslist.org
dice.com

Jobs / Careers / Businesses that are considered to be recession-proof (or is that recession-resistant?)
brainz.org/depression-jobs
getdegrees.com/articles/career-resources/top-ten-recession-proof-jobs
hrworld.com/features/top-25-recession-careers-022008
time.com/time/business/article/0,8599,1858773,00.html
rd.com/home-garden/9-recessionproof-careers/article119897.html
buzzle.com/articles/recession-proof-jobs.html
socyberty.com/work/recession-proof-jobs-in-2009-2010
careerbuilder.com/Article/CB-1184-Who-is-Hiring-10-Recession-Proof-Jobs~

Recession-Proof Businesses
money.howstuffworks.com/10-recession-proof-businesses.htm
powerhomebiz.com/blog/2010/05/recession-proof-businesses-and-jobs
jobsandmoms.typepad.com.../work-from-home-ideas-recession-proof-possibilities~
bizthoughts.mikelee.org/recession-proof-business-ideas.html
articlesbase.com...recession-proof-business-opportunities-top-3-small-business-ideas~
explorestartups.com/blog-1355-9_Recession_Proof_Businesses_to_Start_in_2009.htm
entrepreneur.com/magazine/homeofficemagcom/2002/february/48702.html
tlmarketing.net/4503/recession-proof-business-ideas
articledashboard.com/Article/10-Recession-Proof-Business-Ideas/964093

Business cycles impact U.S. Suicide rates, specifically the overall suicide rate generally rose during recessions and fell during expansions, according to research results from the Centers for Disease Control and Prevention (CDC) of examining business cycles from 1928 to 2007 in the United States released in April 2011. The strongest association between business cycles and suicide were among people in prime working ages, 25 - 64 years old. An excerpt: "The overall suicide rate generally rose in recessions like the Great Depression (1929-1933), the end of the New Deal (1937-1938), the Oil Crisis (1973-1975), and the Double-Dip Recession (1980-1982) and fell in expansions like the WWII period (1939-1945) and the longest expansion period (1991-2001) in which the economy experienced fast growth and low unemployment. The largest increase in the overall suicide rate occurred in the Great Depression (1929-1933) - it surged from 18.0 in 1928 to 22.1 (all-time high) in 1932 (the last full year in the Great Depression) - a record increase of 22.8% in any four-year period in history. It fell to the lowest point in 2000."
aolnews.com/2011/04/15/study-us-suicide-rate-rises-falls-with-economy/
yubanet.com/usa/CDC-study-finds-suicide-rates-rise-and-fall-with-economy.php
ajph.aphapublications.org/cgi/content/abstract/AJPH.2010.300010v1
nlm.nih.gov/medlineplus/news/fullstory_110994.html

Top employee relations' problems and management behavioral problems, along with trends with U.S. workers—What employers do not want and what they do want: Research reveals workforce trends.
globalcoachingalliance.com/workforcetrends.html
icansucceed.org/College/Finding-A-Job/What-Employers-Dont-Want.aspx
delawareemploymentlawblog.com/2009/10/what_employers_dont_want_to_se~
graduateopportunities.com...graduate_attributes_what_employers_don_t_want~
heldrich.rutgers.edu/News/NewsDetail.aspx?id=1336
cnn.com/2009/LIVING/worklife/11/02/cb.hire.reasons.job/index.html
iste.org/Content/NavigationMenu/CareerCenter/Resources/What_Employers_Want~
jobjournal.com/article_full_text.asp?artid=2279
blog.guykawasaki.com/2009/02/guest-post-memo.html#axzz0lHNIATcI
quintcareers.com/resume-dos-donts.html
prospects.ac.uk...What_do_graduates_do__2008/What_do_employers_want_~

The top five paying jobs for women, according to Forbes magazine's analysis of labor Department statistics as of March 2011: 1) Chief executive, with median earnings of $81,000 for women; 2) Pharmacist, with median earnings of $76,500 for women; 3) Lawyer, with median earnings of $75,500 for women; 4) Computer and information systems manager, with median earnings of $73,500 for women; and 5) Computer software engineer, with median earnings of $68,000 for women.
abajournal.com/news/article/lawyer_is_third_top-paying_job_for_women_forbes_says~l

Functional / transferable skills are employability skills—Job skill sets are at the heart of all hiring: Recognizing and valuing what you have done, and thus what you can do, helps clarify what you can offer an employer both on a resume and in the all important interview process. A contrarian view is that functional/transferable job skills are the booby prize, while one's work histories are full of powerful, concrete stories that help connect with employers. Again, judge for yourself.
careerplanning.about.com/od/careerchoicechan/a/transferable.htm
careerplanning.about.com/od/careerchoicechan/a/transskillwksht.htm
careerplanning.about.com/od/careerchoicechan/a/trans_skills_ex.htm
fpcnational.com/transferable-job-skills.html
webcache.googleusercontent....scripps.edu...Leverage Your Transferable Skills~
docs.google...jcfswinnipeg.org...FunctionalTransferableSkillsInventory.pdf~
lifeworktransitions.com/exercises/part3ch2/functrans.html
d.umn.edu/kmc/career_transfer_survey.html
accounting.smartpros.com/x46103.xml
your-career-change.com/transferable-skills.html
quintcareers.com/transferable_skills_set.html
quintcareers.com/transferable_skills.html
quintcareers.com/functional_resume.html
glassdoor.com/blog/transferrable-job-skills-booby-prize

Millennials, Generation X and Baby boomers work differently—How to effectively manage, motivate and work with the Mellennials: Resources provide a window of clarity on how different each generation works which presents different challenges to employers and workers both. The Millennials, born between 1980 and 2000, are showcased as the up-and-coming generation of workers and several articles provide avenues to how to best manage, effectively motivate and adaptively work with them.
washingtonpost.com/wp-dyn/content/article/2010/04/02~
pewresearch...generational-personality-upbeat-open-new-ideas-technology-bound
humanresources.about.com/od/managementtips/a/millennial_myth.htm
shepardcomm.com/managing-millennials-wp.pdf
humanresources.about.com/od/managementtips/a/millenials.htm
amanet.org/training/articles/Managing-Millennials.aspx
top7business.com/?id=3023
tmconsultancy.blogspot.com/2009/08/managing-millennials-6-steps-to-success.html
boston.com/jobs/nehra/061107.shtml
womenentrepreneur.com/2010/03/4-keys-to-managing-millennials.html
salesandmanagementblog.com...managing-the-millennials-by-gregory-stebbins~
youngmoney.com/entrepreneur/managing-millennials-in-the-workforce
nytimes.com/2011/05/29/weekinreview/29graduates.html

An August 2010 New York Times Magazine article "The Post-Adolescent, Pre-Adult, Not-Quite-Decided Life Stage" discusses psychologist Jeffrey Arnett's proposed distinct life stage of "emerging adulthood" for the 20-somethings who don't commit to a relationship or a career or a home of their own, are decidedly ambivalent, and are simply acting their age in a rich and varied period of self-discovery.
nytimes.com/2010/08/22/magazine/22Adulthood-t.html

Unemployment not good for your health—Being Unemployed being tied to premature death, according to research results released in April 2011. Another study released in March 2011 found that unemployed people between the ages of 30 and 59 years were especially often affected by physical, emotional, and functional impairments such as sleep disorders, anxiety disorders, and substance addictions. It also found that unemployed men and women who are supported by their partners, family members, or friends are less frequently affected by these complaints. Findings from a research study released in May 2009 and looking at 8, 125 individuals surveyed in 1999, 2001 and 2003 in the U.S. showed that workers who lost their job through no fault of their own were twice as likely to report developing a new ailment like high blood pressure, diabetes or heart disease over the next year and a half as compared to people who were continuously employed. The health consequences of unemployment shows that it is detrimental to health and has an impact on health outcomes, including increased mortality rates, causing physical and mental ill-health and greater use of health services. The message is clear: stay employed and productive to continue living a full and fulfilling life.
cbc.ca/news/health/story/2011/04/05/unemployment-premature-mortality.html
sciencedaily.com/releases/2011/02/110204130323.htm
nytimes.com/2009/05/09/health/09sick.html
ncbi.nlm.nih.gov/pubmed/9507716
ncbi.nlm.nih.gov/pmc/articles/PMC1646287/

Smart Retirement

Smart Retirement is using after-tax monies for Tax-Free retirement when you take the money out and keep control of your retirement monies, planning and management: There's the normal way people retire with their tax-qualified retirement plan (e.g., 401K, IRA accounts and profit-sharing plans) as well as stocks, mutual funds, real estate (that are subject to Capital Gains tax) are vulnerable upon reaching retirement age to federal tax depending on the income tax bracket you are in at the time of withdrawal of funds. Typically people don't avoid tax so much as delay paying tax. Author Patrick Kelly in his 173 page book Tax-Free Retirement (2007) using plain practical language spells out what he calls the nine financial land mines and four retirement traps before sharing tax-free retirement approaches, accenting three retirement vehicles, especially the first one: 1) Permanent life insurance (that builds up equity, such as universal life, with before-tax money that is counted as income, and therefore taxable); 2) Municipal bonds (before tax money); and 3) Roth IRA (after tax money). Consider none of this as offering any form of financial advise. At the same time his book is well worth reading carefully. The major advantage of paying the tax as you go on retirement monies appears to be avoiding placing before-tax monies into qualified retirement accounts that have many requirements, including often expensive yearly financial management costs. This approach allows YOU to be the one that completely manages your retirement monies / investments, given that you have paid the tax and purely use after-tax money. [This in no way is to be construed as offering professional financial or retirement advise. Please check with authoritative retirement / financial professionals!] Other links provide additional support for these approaches to retirement financial planning, especially using an "equity-indexed universal life insurance" (EIUL), that is, permanent life insurance that offers all the benefits of universal life with accumulation values tied to a stock market index. Finding a retirement-friendly state in terms of paying income tax, taxing your pension at the state level, social security benefits, sales taxes and property taxes may be most attractive according to several links. Several links recommend a Health Saving Account (HSA), with one offering an article by Carla Fried that makes the case that opening up a Health Savings Account is helpful for a family in "effectively boosting its annual tax-advantaged retirement savings by 14%..." Even after being informed, above all, count on yourself as your own authority.
tax-freeretirement.com
jameslepine.com/?p=275
biggerpockets.com/renewsblog/2008/11/21/a-tax-free-retirement
financialplan.about.com...Roth-IRAs-Offer-Flexibility-and-Tax-Free-Returns~
moneywatch.bnet.com/saving-money/article/the-rockin-tax-free-roth~
investopedia.com/articles/taxes/08/retirement-tax-states.asp
moneycentral.msn.com/content/retirementandwills/p45875.asp
moneywatch.bnet.com...backdoor-strategy-boosts-tax-free-retirement-savings~ 

When to take Social Security benefits?---Use great resources like a new calculator from AARP, a "Social Security Planner," a podcast from the Social Security Administration, another guide to "timing" benefits along with other links discussing this topic. An argument can be made for taking retirement as early as you can at age 62, waiting until 66, and further not drawing benefits until 70. A July 2011 New York Times Op-Ed piece by Richard H. Thaler, a professor of economics and behavioral science at the Booth School of Business at the University of Chicago, champions waiting until age 70 since this is the cheapest way to buy more annuity coverage for retirement years. This writer also mentions how about 46% of participants begin claiming at age 62, the first year of eligibility, and less than 5% of participants delay past age 66. Waiting the longest, so long as you are in good health and can afford to do this, may well be the best strategy. Weigh the pros and cons, then decide for yourself since you will be the one experiencing the consequences of your choice.
nytimes.com/2009/07/11/your-money/11retire.html
nolo.com/legal-encyclopedia/when-claim-social-security-benefits-29886.html
aarp.org/work/social-security/social-security-benefits-calculator/?cmp=RDRCT-SOCI_JUNE15_011
aarp.org/work/social-security/info-07-2011/when-to-begin-social-security-benefits.html
ssa.gov/planners/calculators.htm
analyzenow.com/
consumerreports.org/cro/money/retirement-planning/timing-social-security-benefits/overview/index.htm
investopedia.com/articles/retirement/08/6-retirement-myths.asp#axzz1SOrTPhOb
ssa.gov/pubs/10147.html
ssa.gov/retire2/applying1.htm
topretirements.com...When_Should_You_Start_Taking_Social_Security_~
newretirement.com/Services/Social-Security-Benefits.aspx
msnbc.msn.com/id/15240918/ns/business-answer_desk/t/start-collecting-social-security-or-wait/
toolsformoney.com/social_security.htm
schwab.com...when_should_i_take_social_security~
nytimes.com/2011/07/17...when-the-wait-for-social-security-checks-is-worth-it.html


Money Management & Retirement | Practical Information for Modern Life

Technological Advances and Fixes

Water purification systems: Given that approximately 90 percent of our bodies are water, the quality of the water we put in our bodies has to be a significant contributor to our physical, emotional, cognitive and spiritual well being—Here are a selection of water purification systems along with reviews. Being informed of emergency sources of drinking water also sounds prudent. After using a reverse-osmosis with charcoal system for over a decade and a distillations system for about two years until finding out that distilled/demineralized water has health risks according to a 2004 World Health Organization (WHO) report (read it in the third link below), we are now switching to what may be the state of the art of whole-home water purification systems---the EQ-300 Rhino Whole Home System made by Aquasana. The Filtration Process Stage 1 Filters out chlorine with a patented zinc/copper mineral media. Stage 2 Enhances taste and clarity with bituminous charcoal. Stage 3 Uses a high grade coconut shell carbon. You can read the reviews on Amazon at the link below. Investing in a fine water purification systems is a wise investment indeed.
en.wikipedia.org/wiki/Water_purification
en.wikipedia.org/wiki/Distillation
docs.google...who.int...health+risks+from+drinking+demineralized+water~
aquasana.com/product_detail.php?product_id=27
amazon.com/dp/B0002MIJIQ
aquasana.com
en.wikipedia.org/wiki/Reverse_osmosis
thenibble.com...beverages/waters/water-purification-systems~
ezinearticles...The-Best-Way-To-Filter-Drinking-Water-Effectively~
consumerwaterpurificationsystems.com/allsiteinfo.htm
consumersearch.com/water-filters/reviews
metaefficient.com/water-filters/best-water-filters.html
water-filtration-guide.com/water-filtration-benefits.html
allergybuyersclub.com/compare-water-filters.html
waterfiltercomparisons.com/water_filter_comparison.php
epa.gov/ogwdw/faq/emerg.html
gohsep.la.gov/factsheets/LocatingSafeDrinkingWate.htm
...santa-rosa.ca.us...emergency+sources+of+drinking+water~
consumerwaterpurificationsystems.com/drinkingwater.htm
wikihow.com/Get-Emergency-Drinking-Water-from-a-Water-Heater

In December 2010 Dr. Mercola discusses water filters and specifically lauds this same whole-home water purification system in this 15-minute video.
waterfilters.mercola.com/drinking-water-filter.aspx

Go for comfort where you live—in your shoes and in your bed! : A friend once told me, "Since you live your entire life in your shoes and your bed, be careful to pick both for the utmost comfort—you'll be glad you did." Three different brands of shoes and one mattress on a platform bed have been directly experienced and found to be highly comfortable and lasting. Expensive they undoubtedly are, and what price do you put on having a comfortable passage though this life? Here are some resources for both.
onlineshoes.com/dansko-b_id44?adtrack=gaw&term=dansko
josef-seibel.com
tempurpedic.com

How to Recover Your Cell Phone if it Drops in Water—It may work and it may not, and it's worth a shot.
articles.mercola.com...2011/06/28/how-to-recover-your-cell-phone-if-it-drops-in-water~
beta.news.yahoo.com/blogs/technology-blog/upgrade-life-wet-cell-phone-rescue~

Streamline your life with "Gadgets You Should Get Rid Of (or Not)"—Circa March 2011 according to writer Sam Grobart in The New York Times, Personal Tech section.
nytimes.com/2011/03/24/technology/personaltech/24basics.html~

Safety and No More Harm Above All

Safest places to live plus: Given that some places are riskier than others, which are are the highest and lowest risk? A quiz on the website Sperling's BestPlaces offers a free computer quiz to find your best place. A New York Times May 2011 graphic presentation offered some relevant information. According to Sperling's Best Places, metro areas with the lowest risk are: 1) Corvallis, Oregon; 2) Mt. Vernon-Anacortes, Washington; 3) Bellingham, Wash.; 4) Wenatchee, Wash.; 5) Grand Junction, Colorado; 6) Spokane, Wash.; 7) Salem, Ore.; and 8) Seattle, Wash. Metro areas with the highest risk are: 1) Dallas-Plano-Irving, Texas; 2) Jonesboro, Arkansaw; 3) Corpus Christi, Tex.; 4) Houston, Tex; 5) Beaumont-Port Arthur, Tex.; 6) Shreveport, Louisiana; 7) Austin, Tex.; and 8) Birmingham, Alabama. Also explore the Farmers Insurance Study in 2010 ranking the most secure places to live in the U.S. with separate listings for large metro areas (500,000 or more residents), mid-size cities (150,000 - 500,000 residents) and small towns (fewer than 150,000 residents). Also see the recent survey of safest cities for families with young children, best cities for seniors, best and worst cities for dating and crime, and most and least stressful cities. Also check out the 10 best places to live for escaping world conflict.
bestplaces.net/fybp/
bestplaces.net/docs/studies/secure.aspx
bestplaces.net/docs/studies/safest_cities_for_families.aspx
bestplaces.net/docs/studies/seniorcities.aspx
bestplaces.net/docs/studies/datingcities.aspx
bestplaces.net/docs/studies/crime1.aspx
bestplaces.net/docs/studies/stress1.aspx
expatify.com/advice/10-best-places-to-live-for-escaping-world-conflict.html

A natural disaster risk assessment map: 05012011-natural-disaster-risk-map[1].pdf

"How To Recognize Imminent Danger: 7 Essential Safety Rules": This simple, highly practical article on Dr. Mercola's website is a must-read for every one of us. It may just save your life or some one you love. Recommended. Look at the related links at the end of the article for further essential tips on defending yourself and survival. You also might read the modern day classic Gavin De Becker's The Gift of Fear (1999) that delves into this subject in a hair-raising page turner.
articles.mercola.com/sites/articles/archive/2009/10/06/How-to-Recognize~

Self-defense for women: Articles, techniques, resources and classes + "A San Francisco Bay Area Progressive Directory" (an amazingly comprehensive directory of just about anything and everything you would want to find in the Bay area).
googobits.com/articles/1254-basic-selfdefense-for-women.html
defendu.com/wsdi/principles.htm
breakthechain.org/exclusives/selfdefense.html
kicks4women.com/thesis.shtml
hubpages.com/hub/women-self-defense
selfdefensewithanattitude.com
women-on-the-road.com/self-defense-for-women.html
wrc.ucr.edu/Resources/Sexual+Violence+and+Self-Defense.htm
portlandonline.com/Police/index.cfm?a=61885&c=35911
...ucsfcge.org/programs/srvr/pdf/Resources.pdf+self-defense+hotlines+in+the+east+bay~
ccsf.edu/Departments/Women_Studies/Project_SURVIVE/4_2.html
bapd.org
bapd.org/groups.html

STAND! Against Domestic Violence offers support to women, abusers and families in Contra Costa County.
standagainstdv.org

How to survive an earthquake through pre-planning or preparedness and building an emergency preparedness kit: Doug Copp, the rescue chief and disaster manager of the American Rescue Team International (ARTI), has the following recommendations on how to survive an earthquake. The Red Cross provides key earthquake safety checklist, while the Los Angeles Fire Department offers their 2008 edition booklet / e-book on emergency preparedness. Additional links provide useful tips and suggestions and key resource phone numbers on earthquake preparedness and making your own preparedness kit.
santiagotimes.cl...tips-on-how-to-survive-an-earthquake~
redcross.org/www-files/Documents/pdf/Preparedness/checklists/Earthquake.pdf
redcross.org/portal/site/en/menuitem~
fema.gov/earthquake-safety-home
fema.gov/areyouready/earthquakes.shtm
ci.la.ca.us/LAFD/eqbook.pdf
earthquake.usgs.gov/prepare
quake.usgs.gov/prepare/prepare.html
https://www.cdc.gov/disasters/earthquakes/
en.wikipedia.org/wiki/Earthquake_preparedness
sfgate.com/cgi-bin/article.cgi?f=/earthquakes/archive/ready.dtl

Defensive driving is one of the single best strategies to protect and prolong your life given how the number four cause of deaths in the United States is accidents, with motor vehicle accidents being the leading cause of death in this category. Here are several links that provide essential "reminders" on how to keep sharp on the roadway by driving defensively.
ehow.com/way_5287279_defensive-driving-tips.html
aa1car.com/blog/defensive_driving_tips.htm
essortment.com/all/defensivedrivin_rcff.htm
thefreelibrary.com/Defensive+Driving+Tips-a01073852593
autos.aol.com/article/defensive-driving-101
roadtripamerica.com/DefensiveDriving/Drive-Safe-With-Uncle-Bob.htm
tell-my-mom.com/SafeTips.htm

Home & Office Improvement & Human Friendly Furniture

Home Improvement and repair—Do It Yourself Website for home remodeling projects, going green, finances and real estate: This site offers useful articles and videos on how do a wide variety of home repair projects and hot-to articles
doityourself.com/scat/articles

Human Factors / Ergonomic Office Chairs, Computer Desks, Desks, Tables and other furniture + Keyboards—Reviews: Ergonomic furniture is designed to work with your body to aid comfort, optimal spine and body support and fit your height, weight, gender and more, especially since so many send extended periods of time sitting in front of a screen. Choosing an ergonomic chair designed to keep the body in a healthy position will help prevent back pain, shoulder strain and other issues/problems that can arise from using a poorly designed chair.
en.wikipedia.org/wiki/Ergonomics
en.wikipedia.org/wiki/Ergonomic_keyboard
en.wikipedia.org/wiki/Human_factors
consumersearch.com/office-chairs/ergonomic-office-chairs
spine-health.com/wellness/ergonomics/office-chair-choosing-right-ergonomic-office-chair
ergonomicdeskchairguide.com/
usernomics.com/ergonomic-products-furniture.html
usernomics.com/ergonomics.html

Transformative space-saving furniture!—Multiple uses of the same furniture, tables into desks, bunk beds in disguise and lots more: Resource Furniture offers space-saving, multi-use and easy-use home and office furnishings made by Clei in Italy and Selex in Spain. Resource furniture can transform small spaces, like studio, one- and two-bedroom apartments and small bedrooms, into bigger ones that bring remarkably functional versatility. Absolutely ingenious and well worth a look! Other links also explore creative space-saving, modular and multi-use furniture.


core77.com/blog/object_culture/getting_space-saving_furniture_right_resource_furniture_16598.asp
homeinteriorszone.com...make-the-most-out-of-tiny-apartment-space~
psfk.com/2010/04/a-space-saving-furniture-mat.html
unclutterer.com/2010/06/09/space-saving-pop-up-furniture/
nymag.com/shopping/bestbets/48660/
wisegeek.com/what-is-space-saving-furniture.htm
ehow.com/how-does_4867324_making-own-space-saving-furniture.html
dornob.com/lofted-space-saving-furniture-for-bedroom-interiors/
smartfurniture.com/apartment.html

Summer Dangers & Remedies

Podiatric dangers of flip-flops: Just in time for spring into summer, flip-flops may not exactly be your friend. Wearing flip-flops can cause problems ranging from stubbed toes to cuts to overuse injuries such as foot stress fractures. The good news about flip-flops and sneakers with flexible soles were easier on knees than clogs or special stability shoes, according to a 2010 study.
washingtonpost.com/national/health/the-podiatric-dangers-of-flip-flops/2011/03/22~
well.blogs.nytimes.com/2008/06/05/summer-flip-flops-may-lead-to-foot-pain/
cbsnews.com/stories/2008/06/21/earlyshow/health/main4200038.shtml
today.msnbc.msn.com/id/32453516/ns/today-today_health/
npr.org/templates/story/story.php?storyId=128982029
ehow.com/how_5146688_understand-dangers-wearing-flip-flops.html
news.softpedia.com/news/New-Warning-Issued-on-the-Dangers-of-Wearing-Flip-Flops-114651~
healthyfeetblog.com/are-flip-flops-dangerous-deconstructing-the-myths
popsci.com/score/article/2008-06/dangers-flip-flops
physorg.com/news73758039.html

Use Sunscreen? Which sunscreen? Or no sunscreen?: Review the benefits and dangers of using sunscreen. Joseph Mercola, MD in June 2011 reported on the results from the Environmental Working Group (EWG) regarding the four sunscreen "red flags" to avoid in sunscreen products, safe sunscreen ingredients that nourish your skin and recommends just 1 in 5 of the more than 600 beach and sport sunscreens rated. It concludes that "The best sunscreen is a hat and a shirt. No chemicals to absorb through the skin, no questions about whether they work."
utne.com/Wild-Green/The-Best-Sunscreen-May-Be-No-Sunscreen~
cbsnews.com/stories/2010/05/26/tech/main6521447.shtml
en.wikipedia.org/wiki/Sunscreen
ewg.org/2010sunscreen
medicalnewstoday.com/articles/27960.php
thefreelibrary.com/New+study+reveals+the+benefits+of+daily+sunscreen+use~
behealthyandrelax.com/2009/06/251/
huliq.com/10017/can-sunscreens-be-dangerous
articlesbase.com...the-dangers-of-sunscreen-exposed~
articles.mercola.com...2011...do-you-know-which-sunscreen-products-to-avoid~

 

George Demont Otis         Silvery Trees

 
© Copyright 2013 by Will Joel Friedman, Ph.D.
 
 


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