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How to pay off credit card debt quickly!

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How to pay off credit card debt quickly!
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Paying off credit card debt can seem overwhelming and overwhelming at times. The good news? You have started to accept the idea of ​​living without debt!

The challenge? Where to start! You have collected a great deal of credit card debt over years of living an uncontrolled financial lifestyle. What seemed like an innocent expense at the time, a coffee here or a night out at the movies there, ultimately added to a difficult place to be. Perhaps your credit card balances were maxed out or closed. It is entirely possible for your interest rates to rise to 20 percent or even more. In addition to the pain would be the penalties derived from the missing payments.

The unenviable process of borrowing from credit card debt and the potentially devastating consequences of lifestyles, to which many have often become extremely accustomed, can put great strain on health, relationships, and quality of life. lifetime.

To anyone who has found themselves struggling and struggling with credit card debt and tried, let alone succeeded, we salute you. We have helped thousands of consumers break through the chains of heavy credit cards and other unsecured debt and have witnessed countless stories of success along the way. One thing is for sure, usually, when there is a will there is a way, and while it won’t be easy, rest assured that winning the fight will bring such sweet and rewarding relief that it will make all the efforts worthwhile!

This guide to beating and overcoming credit card debt has been designed to help you as motivation or future reference as you meet the challenge head-on.

TAKE FULL OWNERSHIP OF YOUR DEBT

Don’t underestimate the power of looking in the mirror and taking responsibility for something you can change. Credit card debt, and the way it tends to slowly spiral out of control, almost always starts with bad choices, and that’s okay. It happens to thousands, if not millions of people around the world every year. The most important thing to keep in mind is that when something goes wrong and produces poor results, you can actually improve it by choosing a different and healthier approach.

While this lesson can be applied to many different facets of life, it is extremely relevant to successful credit card debt removal. Rising credit card debt actually became a problem when the first statement came in and you couldn’t pay it in full. Credit cards, when used responsibly and for a purpose, can be a good thing. The caveat is that the balance owed should never have been delayed beyond the first payment due, even in cases where a hefty zero percent interest rate is offered for several months, as that ultimately delays the inevitable for many. persons.

It may sound tough, but we firmly believe that taking full responsibility and ownership of your credit card debt will get you off on a positive footing. Considering how many negative feelings and ultimately the overall negative lifestyle impact that comes with overwhelming credit card debt, taking the initial sting of accepting responsibility early on will make your way toward a debt-free life is considerably smoother.

 

LIVE BY A BUDGET

As Money Fit Education Administrator Todd R. Christensen routinely reminds attendees of the personal-finance workshops he presents, budgeting is for anyone who wants to not only stabilize their finances but also anyone who wants to avoid it altogether. debt-related problems.

Developing and living on a family budget isn’t just about balancing a checkbook. It’s about being prepared for all expenses, including items like car repairs, a trip to the dentists, and more. Strong budgets take into account financial goals and priorities, track actual spending down to the last penny, and help you identify where you have unnecessary spending.

With a budget you live with, you’ll be armed with your actual spending history and will most likely find extra dollars to help pay off your credit card debt. If you find an extra $ 20 per month, which would generally be low, you can apply it to your debt and speed up the payment process. Budgets are beneficial to everyone because of the extremely valuable information they apply and the stability they can provide, as well as the funds released that may have remained hidden.

 

SETTING GOALS: SMART

If you want to make real progress, you will need to set financial goals. With the right kind of financial goals, you will feel comfortable and confident in your progress. However, if you don’t have a solid plan, a goal is just a dream. That’s why we recommend SMART goals.

You may have heard of SMART goals. While there is a traditional version of SMART goals that is taught around the world, the following is a modified version: specific, meaningful, achievable, rewarding, and timely. Let’s follow these steps to create powerful personal finance goals.

S pecific: Write down what you want to do, buy or achieve. Include details that answer questions like “Who is involved?” and “Where is this activity or product?”

M eaningful – A goal must be important to you. It could be a beach vacation, a picnic in the mountains, or a set of new tires for your car. If it is important to you, it will be motivating and you are more likely to stick with it.

A ttainable: Keep the amount of money required for this modest goal, which generally requires $ 1,000 or less. If the amount becomes much more than that, you are less likely to see it as a realistic goal.

R ewarding (Rewarding): Imagine achieving the goal. Write down a few words or phrases that you think will describe how you will feel. You can write something like, “I finally feel like a burden is lifted off my to-do list when I remove this goal.” Give this step a little time. Consider why you want to achieve this and explain it.

T Emily (Oportuna): Enter the month and year you want to achieve this goal. Writing “six months from now” is not enough. Every time you see the goal in the future, it will still tell you that you have another six months. That’s not good enough. Write down the month and year you want to achieve the goal and make sure there are no more than twelve months to go. Beyond twelve months, for most of us, time becomes too long. It becomes too easy to see as long as “long”. When you keep the deadline short, you are more likely to go to work immediately.

Try to use the SMART method when setting your financial goals. You’ll probably be glad you did!

 

AVOID EQUITY LINES IN-HOME CREDIT OR DEBT CONSOLIDATION LOANS

In one go, you could eliminate all of your unsecured credit card debt. Gone would be the worries of having multiple payments, cards that charge high rates and fees, or both. On initial consideration, this may seem very tempting, but as we’ll explain, HELOC (Home Equity Line of Credit) or Debt Consolidation Loans can cause enormous financial stress in the long run.

Consider this, if you swap your unsecured credit card debt for a line of credit attached to your home equity, you’re essentially betting that you won’t have a problem with repayment, putting your home as collateral. The worst-case scenario would be that you lose your home because you took on unsecured debt and secured it with your home.

Money Fit advocates for and provides debt consolidation to people in need. We do not promote the use of debt consolidation loans. At first glance, debt consolidation is the act of consolidating multiple debts into one payment. This can be an effective strategy when done without a loan. Once you take out a large loan to pay off multiple small loans, there is a massive risk of running your initial credit card debt right where it was, only now you have to deal with a large debt consolidation loan. If you haven’t remedied the source, which is generally bad spending habits, and you’re still on a debt consolidation loan, you should avoid using your newly paid credit cards at all costs.

 

CUT YOUR CREDIT CARDS

A powerful and symbolic approach to dealing with credit card debt is to start by cutting it off and removing your access to use it. It can be a difficult step to take, but once the cord is cut, you can begin to depend on the cash you have from your income. No more loans and payments more than necessary. No more staying in a vicious cycle that repeats itself constantly; charge, pay the minimum, charge, pay the minimum, charge, pay the minimum and never have an impact on the balance of the cards.

You have already accepted responsibility for runaway credit card debt. Now, in a defiant display of power, he has cut credit cards and made himself enormously strong. When you wage war on credit card debt, you effectively agree to never trust it again. You will not need the plastic when you arrive at your destination debt-free.

 

START SELLING BY SELLING UNUSED OR NON-NEEDED ASSETS

Take a look, maybe you have things that you no longer use or need that you could sell and apply to your credit card debt? Maybe you could hold a garage sale or sell online? You might be surprised how some of your items that you no longer need or use would be worth to someone else.

Doing this can give you a good lump sum to apply to your credit card debt and provide a next-level boost when starting your repayment.

On a side note: don’t touch investment dollars like retirement accounts to pay off your credit card debt unless you talk to an investment planner and possibly consider a 401k loan that allows you to pay interest yourself. While it can be tempting to eliminate a good chunk of debt right away, you should proceed with caution, especially when it comes to your retirement financing. Selling a 401k could cause problems due to the IRS imposing early withdrawal penalties, not to mention falling short when it comes time to retire.

 

PAY THE SMALLEST DEBT FIRST (SNOWBALL METHOD)

The debt snowball method, which aims to attack the smallest balanced credit cards first and then apply that payment to the next card in line, is a preferred method of repayment for people managing their card debt. credit on your own. The snowball method, while potentially a bit more expensive than the alternative debt avalanche method (attack higher interest rate accounts first) provides an extremely important component of motivation to pay off credit cards.

Psychologically it can be very important to see progress when we embark on a mission as challenging as paying with credit cards. Smaller rewards, like removing the first card off the list, can provide a great charge of positive energy and the motivation to keep pushing.

Debt management plans, such as the program offered by Money Fit through the organization’s nonprofit credit counseling services, tend to combine strategies and often attack the highest interest rate payments first. However, the person who relies on the debt management plan is often more concerned that balances are going down overall and not as much of a need to see the progress of the individual account as those who are paying on their own.

MICROPAYMENT MATTER: MIX THE SNOWFLAKE METHOD WITH THE SNOWBALL METHOD IF POSSIBLE

In order for the snowball method to take off and eliminate the debt at a faster rate, we recommend mixing it with what has been coined as the snowflake method. It is not an alternative to the snowball method because it still depends on attacking the smallest balance first until it is removed.

Because interest rates are calculated using an average daily balance formula, you can save money on interest by paying as soon as extra money is available.

Here’s a hypothetical situation, let’s say that during your budget you see that you are wasting a considerable amount of money each month buying a large specialized mocha on the way to work each morning. Instead of spending $ 5.00 on coffee, you would make a one-time payment to your credit card with the lowest balance. Do it 5 times a week and that’s an extra $ 25 that week for that card.

Some might think, why not wait until the end of the week and submit the $ 25 payment? Or wait until the end of the month and pay an additional $ 100 on the card? There are two reasons to send the payment as soon as the money is not spent. First, once the money is sent to the creditor, it cannot be spent. Effectively close any reason for not having it available at the end of the week or at the end of the month. Second, interest rates are calculated using an average daily balance formula. You can save money on interest by paying as soon as the money is available.

If you keep those payments smaller, you will eventually get out of debt sooner and the effort will be well rewarded. You will have to stay exceptionally motivated to pull it off, but get into a routine and it won’t be a problem.

 

FIND ADDITIONAL SOURCES OF INCOME

At the end of the day, after the entire budget is completed and plans are made, your current income may not allow you to meet your credit card payment obligations quickly enough. To expedite the postponement, you may consider finding a part-time job, a weekend job, or even working from home in your spare time.

If you are in a one-job home where a partner stays at home, maybe they can help you in the short term?

It doesn’t sound nice, but at the end of the day, the added income could be extremely rewarding. The ultimate goal is to give up the burden of debt for the rest of your life. It can be difficult to visualize, especially if you’ve struggled to make minimum payments for a considerable period of time, but it’s worth it. The freedom you will gain to really start living life on your own terms will be worth the sacrifice in the short term and could open doors you thought were closed, such as being able to travel or even start your own business. Maybe you want to help a child in college? The opportunities become almost endless.

 

STAY RESILIENT, FIND A MOTIVATIONAL SOURCE AND ADD ON THE

It sounds simple enough, but the truth is that time has a menacing way of removing the immediacy or urgency of things. That can be a blessing at times, but it can also be a hindrance. When you take on the task of paying off your credit card debt, you want to be vigilant at all times. You won’t be perfect and you shouldn’t expect to be, but you always want to keep an eye out for the prize.

Find a source of inspiration and, of course, use it. Maybe you’re following a personal finance expert like Money Fit author and educational manager Todd R. Christensen? Maybe it’s as simple as keeping a photo of your loved ones close by and using it as motivation when the going gets tough? Regardless of what you wear, know that you are not alone and that you can surround yourself with positivity and encouragement. Debt is no longer as taboo a topic as it once was. People have learned that supporting each other is good for everyone in the long run. Don’t fear judgment. You are the one with financial freedom and overall peace of mind on the line.

Once your payment plan begins, we recommend that you do not look back unless it is a reminder of what not to do if you sense that you are falling into old habits. You know what got you into this mess, there’s no reason to beat you up for it. Keep your mind and your goals forward-thinking and the sky really will be the limit.

You have our best wishes as you embark on your journey. In assuming your debt, we invite you to use Money Fit as a resource, regardless of whether you are a customer or not. As a non-profit organization with over 20 years helping consumers live debt-free, we have made it our mission to help each individual conquer their debt by providing educational resources and encouragement.

If the prospect of paying your debt on your own is daunting and you want to be considered for inclusion in our debt management program, we invite you to provide your information online so that one of our certified credit counselors can get in touch, or you can call us toll-free during normal business hours to schedule your free consultation.

 

Bankruptcy as a Last Resort

As we address the issue of paying off your credit card debt, we want to make sure we address your bankruptcy filing. Our goal is to help people overcome their financial problems by repaying their debt in full (which is why we do not recommend debt settlement as an option) so that they can protect and build their credit score. Over the course of a person’s life, a positive credit score can be extremely advantageous over a poor one.

That being said, there are reasons why bankruptcy is available. If you have not filed for bankruptcy in the last 8 years, you will need to speak with a highly qualified and qualified bankruptcy attorney. While Money Fit provides bankruptcy advice and debtor education, we are not attorneys and we do not provide legal advice. All information is provided for consumers to use for research as they seek to learn how to manage their debt and should not be construed or construed as legal advice.

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Torture, cannibalism and incestuous sex: the chilling story of Barbora Skrlova

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Torture, cannibalism and incestuous sex: the chilling story of Barbora Skrlova
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The image frightened the policemen. In the cold, damp basement, inside a cage, the two children were beaten, burned and malnourished. In a corner, barely visible in the dark, a girl was crying inconsolably.

She said her name Anika and having been a victim, like the little ones, of brutality and abuse of his mother and aunt.

But it was all a lie, part of a sinister plan devised by a psychopath who had little as a child and very perverse. His name, actually, was Barbora Skrlova, was 33 years old and a past as dark as it was lurid.

It was 2007 and the events shook the Czech Republic. The horror and chilling presence of this girl-woman that was part of a secta kept in suspense a society that was witness, without wanting it, of how evil can cross all limits.

“The orphan”, the movie that was inspired by this story. Photo: Web

So macabre was his story that he managed to cross borders, reach Hollywood and inspire a movie. Produced by Leonardo Dicaprio and starring Vera Farminga, “The orphan” It terrified viewers who not even in their worst dreams imagined that it was inspired by a real case. East.

Who is Barbora Skrlova?

His life is a mystery. Nothing is known of his parents or his childhood. It is only known that he was born in what was then Czechoslovakia and that he suffered from hipopituitarism, a condition that presents an abnormal decrease in hormones secreted by the pituitary gland.

In his case, a chronic deficiency of growth hormone somatotropin, which allowed him to look like a 13 year old girl. Or whatever you want.

Barbora Skrlova was 33 years old but looked 13 years old. Photo: Web

But this was not his real problem. She was hiding so much more. Barbora had a multiple identity disorder, in addition to psychopathic, schizophrenic, and violent traits. And a great power to manipulate satisfaced.

For all this, she spent her adolescence hospitalized in a psychiatric. Where it was never known when or why it came out.

The truth is that bright and lucid as she was, she decided to use the disease for your benefit. He masked himself for convenience after Different personalities and in this way he progressed in life and deceived whoever crossed his path.

Thus, posing as a defenseless girl, her first years passed from family to family. He claimed it was a poor abused orphan at the same time that she begged to be adopted and convinced the authorities that they never punished her lies.

The new victims

The years passed and two new characters joined its perfect staging. Klara and Katherina Mauerová They came from a middle-class Czech family. Despite trying to lead a normal life, the sisters suffered from schizophrenia.

In his hallucinations they believed to be Joan of Arc and they claimed to have a divine mission ahead of them. They fit perfectly into the sinister plans of our protagonist.

Klara, Barbora and Klara’s two children. Photo: Web

Klara Mauerová was studying pedagogy at the university. During his internship he met “the girl”, they had several talks and immediately they became friends. This time, Barbora – and in her own words – had been abused in a juvenile center from where she claimed to have escaped. She was looking for a new home where she was loved.

It was thus that Klara, who had just been divorced, took her to live with her children and her sister at her house in Kurim, a rural town in the southeast of the country. A decision that would change his life. Worse.

Horror in Kurim

The first times were dreamed. Everything was happiness. Camping weekends and a new assembled life that only brought joy. Things were so good that the sisters they adopted “Unofficially” they believed was a sweet orphan.

Skillful and captivating, Barbora was quick to involve the Mauerová in The Grail Movement, a sect that practiced the teachings of the play In the Light of Truth – Grail Message of Abd-ru-shin and that he sought knowledge of himself, the world and God.

Barbora Skrlova suffered from multiple identity disorder and great power to manipulate. Photo: Web

The group was led by “The doctor”. To conserve “pure” energy, this kind of entity – whose identity was never revealed – asked its faithful strange sacrifices Y incestuous sex rituals through text messages. They not only did not refuse but complied without question. And with pleasure.

Fascinated, the sisters followed his orders to the letter. They were convinced that their mission had finally arrived and that “The girl” was a miracle of fate who had come into their lives to enlighten and guide them on the path of salvation.

The real nightmare came when Barbora began to feel jealous of Klara’s children, Jakub and Ondrej, 10 and 8 years old. To turn them against the little ones, she accused them of having committed mischief that she herself carried out. They were always the guilty of everything bad that happened in the house.

In this way, the anger of the women grew at the same level as the cruelty of the punishments to which they were subjected. “The Doctor” and Skrlova herself proposed to build a iron cage in the basement to keep them away. His mother and aunt accepted it.

That was the first link in a chain of hellish abuse to those who exposed the creatures. Naked and practically without eating, they were forced to sleep on their excrement, burned with cigarettes, beaten, forced to bathe in ice water, and even they cut pieces of its skin to eat it.

The image of one of the caged children taken by the camera from the neighboring house. Photo: Web

The chronicles of the time reveal that it was Barbora who designed and guided the torments, always in the name of her guide “The Doctor”. Cruel and obsessed with harming and controlling them, to see their suffering permanently, she installed a camera system in the basement. A big misstep from the wicked plan he had hatched.

The end of the martyrdoms

The torture of the children continued until May 10, 2007. Fate wanted a neighboring family purchase a similar surveillance system to monitor your newborn baby.

When they tried to use it, a error he made them pick up the signal from the Mauerova house and, horrified, see the state of the creatures.

Faced with such an image, they did not hesitate to make the complaint before the authorities. What the police found upon arrival was gruesome. In a cage, one of the little ones was passed out; the other, in a deplorable state, was crying out for help.

In the corner, a girl was crying, saying that she had been adopted and accusing her mother and aunt of torture. But it wasn’t Anika, as she told the shocked officers.

At the hospital, one of the children died; the other survived. It was thanks to her testimony that the truth about Barbora became known. But she had already I escaped from the Czech Republic.

A new personality, a new lie

With the help of some members of The Grail Movement, Skrlova managed to escape to Norway. He got fat, shaved and posed as a 14 year old teenager.

In this new version, Barbora was Adam. He said that he had fled his home to avoid testifying in court. Again he used his ability to manipulate to recount a tragic past. Again moved a family that decided to adopt her, take care of it and send it to a recognized school.

Peeled and with a few extra kilos, in Norway it was Adam, a 14-year-old teenager. Photo: Web

Their strange behaviors at school they caught the attention of teachers. Extremely intelligent, her introverted nature and refusal to play group sports gave her away and prompted teachers to try to research her story.

Always on the alert, in the face of the danger that his dark secret would be discovered, Barbora disappeared again.

But the Czech police had already issued a warrant for international capture. Her photo was everywhere and she was quickly captured in northern Norway in January 2008. Back in her country, got off the plane hugging a teddy bear.

The end of the story?

The sentences of the three women met in 2009. The penalties were absurdly ridiculous. The Olomouc High Court sentenced Klara to 12 years in prison; Katherina at 10. As a mastermind, Barbora Skrlova had to spend five years behind bars.

 

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Barbora Skrlova now: The conwoman’s life after prison

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Barbora Skrlova became an international sensation after Norwegian authorities revealed the 33-year-old woman had deceived teachers, police, and childcare workers into believing she was a 13-year-old boy named Adam. Skrlova suffered from hypopituitarism, a condition that makes people look smaller and much younger than they are.

Skrlova looked even younger after undergoing breast reduction surgery and liposuction. For four months, she deceived authorities into thinking she was a teenage boy. “We did react to Adam’s behavior,” school principal Ingjerd Eriksen told local outlet Dagbladet. “But it’s not easy to know. Children at that age can be so different.”

Barbora lives free following her early release from prison

Norwegian authorities started searching for Adam after he escaped from a children’s home in Oslo. They found Adam in the Arctic city of Tromso and discovered he was a 33-year-old fugitive from the Czech Republic.

“It turned out that the so-called missing teenager was a 33-year-old woman,” Norwegian police said. “Not even we have been able to figure out what is up and down in this case,” Norwegian police attorney Sven T. Roer said.

Authorities later found out that Barbora Skrlova had fled the Czech Republic to avoid questioning about a child abuse case. Czech prosecutors considered Barbora a key witness in the matter, but it was also likely that Skrlova was guilty of the crimes against the children.

Skrlova initially fled to Denmark before moving to Norway. She shaved her head, concealed her breasts, and convinced the parents of the real Adam to enroll her at the Marienlyst school near Oslo.

Norwegian authorities deported Barbora to the Czech Republic, where she faced charges involving her fake Czech identity. In the Czech Republic, Barbora lived as a 12-year-old adopted girl named Anicka.

Skrlova and her accomplice, Katerina Mauerova, were accused of deliberately deceiving staff at the Brno children’s home by presenting Barbora as Anicka. Barbora was found not guilty but was immediately rearrested to stand trial on child abuse charges.

Barbora and her co-defendants turned on each other, helping the prosecution prove their guilt. Skrlova denied participating in the abuse, claiming she was a victim of the accused’s depravity.

The court sentenced Barbora to five years in prison. She was released after serving half her sentence after her lawyer successfully argued that her psychological well-being had suffered in prison.

The judge ordered Skrlova to spend five years on probation after her prison stint. Information on her whereabouts after prison has proven challenging to find. However, we expect Barbora lives free in her native Czech Republic. Her disappearance from the news suggests she prefers life away from the limelight.

Skrlova allegedly manipulated two sisters into believing she was a 12-year-old girl

Klara, a mother of two sons, met Barbora Skrlova while studying pedagogy in college. Barbora introduced herself as Anicka and said she didn’t have a place to stay after escaping an abusive juvenile center. Klara took ‘Anicka’ home, planning to adopt her.

The mother lived with her two sons and her sister, Katerina. Barbora presented herself as a sickly child that needed constant doctors’ appointments. However, she only allowed Katerina to take her to the hospital.

The evidence suggests that Katerina knew about Barbora’s deception but decided against telling her sister. Klara suffered from mental illness, which Anicka skillfully exploited. Boiling with jealousy, Anicka would blame Klara’s sons for her actions.

Destabilized due to anger, Klara would savagely lash out at her children, delighting Barbora. Anicka’s fake doctor, who prosecutors believed was Katerina, sent a note recommending Anicka’s adoption and therapeutic treatment for Klara’s boys.

The special therapeutic treatment included torturous punishment and physical abuse. Ondrej and Jakub endured beatings, false imprisonment, and waterboarding. Their abusers forced them to sleep naked on their own feces and to eat their vomit.

The motivation behind the abuse was believed to be the teachings of a cult known as ‘the Grail Movement,’ which Barbora’s father ran. Salvation for Ondrej and Jakub arrived fortuitously.

Klara had installed a baby monitor in the basement to keep tabs on her son. A neighbor set up a similar monitor for his child. The feeds got mixed up, and the neighbor received live footage from Klara’s household. He alerted police, who searched door to door until they found the battered and malnourished children.

Barbora escaped because authorities believed she was a child. However, she was captured in Norway and made to answer for her crimes. Considering her alleged role in the abuse, many believe Barbora got a lenient sentence.

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Elizabeth Strout: ‘There’s a quiet rumbling of violence in America. Is it going to expand and explode?

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The Booker-shortlisted author on the enduring popularity of Olive Kitteridge, cancel culture and why she couldn’t avoid US politics in her latest Lucy Barton novel

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Tech Resources That Help Kids Navigate Puberty

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Tech Resources That Help Kids Navigate Puberty
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MY SON IS on the cusp of 12. Armpit hair. Adam’s apple. Pimples. His voice is so low that on more than one occasion, my heart seized when I heard a man’s voice in the other room and thought someone had broken into the house.

“Puberty is gross,” he declared from the back seat of the car one day, a few hours before watching, unfazed, as a villain in a show spat acid and melted a guy’s face off.

Puberty might be gross and cringe, but I talk about it as much as he can tolerate. Yet conversations with mom can only go so far, and while I can (and will) hand him a book, I wondered what kind of tech resources are available for a single mom and a son who are each online a LOT.

A Dearth of (Organized) Info

In a world where it seems like anything can be found online, I learned that puberty resources for tweens and teens lag behind.

“There’s such a hole in the market because everything that’s online and searchable is written for parents or for lawyers,” says Cara Natterson, a pediatrician, consultant, and author of New York Times bestselling puberty and parenting books, including The Care and Keeping of You series and Guy Stuff.

Natterson sought to help fill the gap, and in 2020 she cofounded Oomla, a brand that sells clothing and features information for the tween and teen set, as well as The Puberty Podcast, available on the Oomla website and on Spotify and Apple Podcasts.

The site also hosts The Puberty Portal, a series of short topical posts that are, Natterson says, the only such content written by and for tweens and teens. The prompt for those writers is, “What do I wish someone had told me five years ago?” The portal is on its second batch of contributors, and Natterson says the group is buzzing with ideas and incredulous that certain topics have not been covered yet.

“The reason they’re all so excited to write is that there’s nothing for them,” she explains. “To me, as a pediatrician and mom of teenagers, how shocking is it that a stage of life that 100 percent of people will go through is approached in this way?”

Natterson also runs a TikTok channel called “Spilling the Pubertea,” where she and cohost Vanessa Kroll Bennett attempt to use anatomically correct language while navigating TikTok’s censorship. Hence, the two professionals sometimes find themselves resorting to captions with “eggs” and “pen15” to avoid having their videos removed. Other topics include shaving, hormones, Gen-Z slang, and “Is it normal?” videos.

How We Search

Part of the apparent gap in info could result from the ways we search. A parent might Google the word “puberty” or “puberty resources for boys,” looking to build a library of at-the-ready information, but a teenager is less likely to do that. Instead, they’ll search for a specific issue—zits, facial hair, getting their period—and then bounce from link to link. They’ll hear a YouTuber talk about one issue and a TikTokker chat about another. Or they’ll come across comments and information while watching an unrelated video.

That’s exactly how Amanda Bortner, 20, learned. Although her mom was really open with her, Bortner still found herself turning to Google, YouTube videos, and her friends.

“I remember the first time I ever shaved my legs, I didn’t even tell my mom,” Bortner says. “I was like, ‘Mom, look what I did.’ She was like, ‘Oh, I hope you did it the right way.’”

Bortner, now an intern at Oomla, said she didn’t follow any specific channels. And she recognized that sometimes the information she found wasn’t legit—like the time she came across a couple of beauty YouTubers offering some sketchy advice.

“I remember I watched a video titled something like, ‘What to do to alleviate pain on your period,” Bortner says. “They said to take a laptop when it’s really hot and place it on the area … All of the comments were like, ‘Why are you telling people to do this??’”

Although Bortner was savvy enough to recognize bad advice when she saw it, others might not be. Puberty is starting earlier and lasting longer, beginning as early as eight or nine years old. So young kids are likely scanning the same topics that were once considered teen subjects.

Naturally, parents worry about what their kids will find.

“There’s a gigantic fear, not unwarranted, that kids will wind up on porn sites when they start doing searches for information,” Natterson says. “Many do, so it’s not an unreasonable concern. So how do you navigate that?”

Natterson explains that it begins with being the trusted adult who can help vet information—and again, keeping the conversation open.

Dr. Meredithe McNamara agrees. An assistant professor of pediatrics at the Yale School of Medicine who specializes in adolescent medicine, McNamara suggests adults watch content with teens.

“I would recommend that parents, guardians, and loved ones and providers ask this young person what they have found and what they have read,” McNamara says. “I do not believe in unfettered access to social media. I believe it has to be a continually open conversation. I think the approach to this is with the adult being kind of humble, and ‘What can I learn from my young person who’s going through this stage?’ is huge.”

McNamara said some of her patients pull up YouTubers who explain concepts really well, and others whose content is a little different or potentially inaccurate. Even when correcting misinformation, McNamara always makes sure to thank her patients for showing her the material and tells them she’s learned something that helps her understand them better.

“It really puts the young person in control of what’s most important to them, which is their body and their life,” she said.

Resources for Trans and Nonbinary Kids

McNamara was a coauthor, along with six other medical and legal experts, of a report in May that criticized the scientific claims used as justification to criminalize medical treatment for transgender youth in Texas and Alabama. She has also coauthored a number of op-eds on the matter.

Although the internet can be harsh, especially for marginalized groups, McNamara said she’s found positives for the gender-diverse community.

“There’s so much interesting data that shows that social media networks are very protective of and supportive for gender-diverse youth, that they find one another and that they develop really supportive and constructive friendships, that they reach out to each other when they might not be reared in supportive homes,” McNamara says.

McNamara said The Trevor Project has good, vetted resources for gender-diverse youth and youth who do not identify as straight. The site also hosts virtual drop-in counseling hours for free over Zoom. McNamara says PFLAG also has “exceptional resources for parents.”

Like any other teen, trans kids tend to find their own sources.

“These young people will pick the sources they feel safest engaging with,” McNamara said. “I think that may be a forum, a TikTokker. I think the things that are really concerning that need to be intervened with and screened for are when youth are not monitored and then preyed upon by adults on dating sites and that kind of thing.”

Keep the Door Open

Just before Bortner went to college, her mother brought a few books into her room.

“I know you don’t want them, and you don’t want to read them,” Bortner remembers her mother saying. “Just put them on the shelf and leave them there.”

Then a funny thing happened.

“I remember at one point I was like, ‘Ok, I’ll open it,’” Bortner says.

The no-pressure method had worked.

“It doesn’t really matter how your kids get the information,” Natterson says, “so long as you let them know that you’re always comfortable talking to them about any of it. That’s the win as the adult in this scenario. And if you don’t know the answer, look it up or find someone who can help you. At the end of the day, every kid is going to get some combination of good and bad info … You want to (become) the trusted adult they can run information by.”

McNamara said it’s also incumbent upon adults to learn what their kids are doing online.

“We have to care about what this generation is using to live their lives,” she says. “We have to look at it on their level. We have to ask what it does for them, and we have to ask to be invited to experience tech and social media.”

Natterson and McNamara both stress the importance of remaining nonjudgmental and not shaming their kids.

“This will be your win, because there will be a lot of days where you’re going to feel like you screwed up,” Natterson says. “So long as you’re in the conversation, you’re doing great.”

Additional Reading

Although the information can be scattershot, it’s out there.

Some sources include:

  • The website Amaze is a sex education site that also features puberty resources via a series of light-hearted cartoon videos designed to educate and entertain. They can be goofy but are informative. A related website, Amaze Jr, is geared toward parents of younger children. Both are on social media.
  • The Puberty Prof is a website by health educator Lori Reichel that includes articles, a podcast, and the TALK Puberty app to facilitate conversation, among other resources.
  • The Society for Adolescent Health and Medicine has a serious and educational tone and provides a number of links with online resources for adolescents and young adults.
  • The National Institutes of Health (NIH) includes a section with puberty resources, though they are more medically oriented and somewhat dense.
  • The website Puberty: The Wonder Years, geared toward teachers and parents, includes an associated book and curriculum, plus links to resources.
  • The Netflix show Big Mouth, an irreverent and edgy look back at the cringiness of teen years, manages to pass along good information about puberty. It was created by Nick Kroll, the brother of Natterson’s cohost, and Kroll’s best friend, Andrew Goldberg. Big Mouth gets Natterson’s stamp of approval as a fun option for older teens.
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Miao girl makes intangible cultural heritage alive in SW China

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Miao girl makes intangible cultural heritage alive in china
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Zhang Juanjuan (3rd L) introduces her self-designed batik creative cultural products to customers at a batik DIY studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Xinhua/Yang Wenbin)

Zhang Juanjuan (back) and her mother make batik products at home in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Xinhua/Yang Wenbin)

Zhang Juanjuan introduces her self-designed batik creative cultural products via livestreaming at a batik DIY studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Xinhua/Yang Wenbin)

Zhang Juanjuan dries batik products on the roof of her house in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Xinhua/Yang Wenbin)

Zhang Juanjuan (L) instructs her sister to make a batik painting at a batik DIY studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Xinhua/Yang Wenbin)

Zhang Juanjuan (R) talks with her mother on the techniques of making batik paintings at a batik studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Xinhua/Yang Wenbin)

Zhang Juanjuan (2nd L) instructs her relatives and friends to make batik paintings at a batik DIY studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Xinhua/Yang Wenbin)

Zhang Juanjuan’s mother instructs her to make a batik painting at a batik studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Photo by Chen Xi/Xinhua)

Zhang Juanjuan (L) introduces her self-designed batik creative cultural products to a customer at a batik DIY studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Xinhua/Yang Wenbin)

Zhang Juanjuan’s mother instructs her to make a batik painting at a batik studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Photo by Chen Xi/Xinhua)

Zhang Juanjuan rolls up a batik painting at a batik studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Xinhua/Yang Wenbin)

Zhang Juanjuan displays batik products at a batik studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Photo by Chen Xi/Xinhua)

Zhang Juanjuan makes a batik painting at a batik DIY studio in Anshun of southwest China’s Guizhou Province, Aug. 18, 2022. Zhang Juanjuan, a girl of Miao ethnic group, decided to return home to take over her parents business related to batik products making after graduation. Batik is an intangible cultural heritage in her hometown. She registered her parents’ batik workshop as a batik art company, and founded her own batik DIY studio. To expand her own business, Zhang Juanjuan and her colleagues have designed practical, environment-friendly, and fashionable batik products. Meanwhile, she has been teaching batik-making skills to other villagers, helping them increase their incomes through batik products. She hopes batik of the Miao ethnic group could be known by more people through internet and inherited by more young people. (Xinhua/Yang Wenbin)

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WHY BARCELONA WILL NOT SUCCEED THIS SEASON

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WHY BARCELONA WILL NOT SUCCEED THIS SEASON
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Financial problems are not the worst. Despite an active transfer campaign (Rafinha, Kessie, Lewandowski, Christensen, Kunde) and spending 153 millions, Barca is close to default. La Liga accommodated and allowed to register newcomers for the opening match. But the Catalans are obliged to reduce the payroll: they are looking for legal loopholes in order to rob Piqué, Busquets and De Jong a little, and they generally doubt the legality of some contracts and plan to contact the prosecutor’s office.

 

Today bookmakers are trying to attract new customers in all sorts of ways. And one of them is free bets, which is the most common type of bookmaker bonuses. So it can be difficult for bettors to find the best deals. For this reason, here https://bookmaker-ratings.in/bonusy-rubrika/bonus-free-bets/ you can see all collected relevant and interesting free bets from bookmakers for today.

 

What happened to accounting

 

In total, Barca owe the players 389 millions euros due to deferrals of salaries and bonuses, but they are ready to wait. The biggest debts are on Messi, Pique and Busquets. Yes, Leo has been in Paris for a long time, and he is owed 52 millions. It happened because when the pandemic was raging, the stars went down and agreed to a pay cut, but now they are again asked for it – and Busquets and Pique didn’t agree.

 

It will be very difficult for the players and club to reach an agreement. The club believes that a more realistic option for the registration of Kunde (who is still out of application) is the sale of players. Piqué and Busquets believe that they have already made a lot of efforts to help the team – that’s enough.

 

Newbies and old timers failed

 

In the very first round, Barca played 0:0 with Rayo Vallecano – interesting numbers and stories appeared. For example, Lewandowski scored in every debut match of the season since 2014, and this time he was the weakest link, unable to come up with anything at all against Rayo’s uncomplicated defense.

 

Xavi’s winning percentage at the helm is 52,6%. It would seem that this is an impressive figure, but it is lower than any coach in the last 20 seasons. Look, Valverde has 66,9%, Setien has 64%, Koeman has 58,2%. Yes, even Koeman has higher results.

 

De Jong, whom the fans do not like because he does not agree to lose money on the contract, is on the bench. The guy was simply not released on the field. It also looks strange that Xavi chose Ousmane Dembele, who refused to renew his contract last season, and not Frenkie, who wants to play for Barcelona. Without the Dutchman, there was no meaningful progress forward.

 

No chance of a championship

 

Barca are still clearly behind Real Madrid in terms of tactical diversity. At the same time, transfers to the attack (even if they are successful) are aimed at something else: Robert Lewandowski is the finisher, Rafinha is a player of counterattack. The team is not able to open the center of the field, there is no leverage. Playing flank is great, but if you can’t constantly attack in the center of the half-wing, hard nuts like Rayo will not crack, and you will have to look at boring zeros more and more often.

 

Xavi has a problem, because Lewandowski, Aubameyang, Dembele, Rafinha, Fati, Ferrand and Depay need to be placed on the attack. How to do it? No way. The naming is fantastic, but it reminds of PSG, where they couldn’t come up with positions for all the forwards.

 

They promised Bernardo Silva from City, but in the end the Portuguese chose Pep’s stability. The last bell is that not everything is calm in the Catalan club, because Bernardo beat his chest for two years, saying how he dreams of leaving for Barcelona.

 

The championship of Madrid will be a logical continuation of the past few years. Early completion of the transfer campaign, ready-made team with no signs of restructuring and the perfect coach for it all. And for Barca, all the stars should align, the quick adaptation of a bunch of newcomers, the absence of injuries and luck. Is it real? Obviously, almost none.

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5 Reasons to Support Upcoming Comedians

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5 Reasons to Support Upcoming Comedians
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If you were asked to name some comedians, you are going to recite the famous names. After all, these are the people that are on television, as well as have regular shows across London. But have you ever thought of supporting upcoming comedians in their quest for fame and glory?

 

Often, upcoming comedians struggle because they cannot get large enough crowds to give them a chance. However, there are a lot of advantages you can enjoy when you do support them. So, let’s take a look at a few reasons why you should give an upcoming comedian a chance.

 

Fresh Jokes

 

One of the most important reasons why you should consider giving upcoming comedians support is that they can have a fresh on events and situations. In other words, you can enjoy fresh jokes and a new comedy style. This can make things more exciting and interesting when you are part of the audience.

 

So, go along and see comedians that you have never heard of before. You will not know what to expect and it can be something different to enjoy with friends and family. You may be surprised by how much you like the comedian and might be back for more shows in the future.

 

New Venues

 

It is common for some comedians to always play at the same venues. So, if you are someone that likes to discover new places and explore different comedy venues, this might not be what you want. After all, familiarity can get boring after a while. This is the great thing about finding new acts. This is also an opportunity to explore a new venue and see what it is like. It adds some excitement to your night.

 

Therefore, if you want an all-around new experience, consider going to see an upcoming act. This can be a fun night out that offers something different. You might discover that you love the venue and the crowd it attracts. For example, you can visit Comedy Carnival. This is a comedy club that has several fun spots in London that you can enjoy. You might find that you like it there and keep coming back with friends and family. It can be your new hangout spot in the city.

 

Cheaper Tickets

 

If you are seeing the show of an established comedian, it will be expected that you pay more for your ticket. This is just the way that it goes. Once someone’s name is out there, the price of tickets rises. However, that is the great thing about going to see someone new and upcoming in the industry. Their tickets are often cheaper.

 

So, if you are looking for a cheaper night out and some fun with family or friends, you can get tickets to someone you have not heard of before. Of course, this is an opportunity to see if you like them, as well as make sure you are not paying a fortune.

 

Bragging Rights

 

Many people on the comedy scene are relatively unheard of. But, one great joke and you can go viral. That is the power of social media and the internet these days. So, why not see a star before they become big? Of course, this is a way that you can enjoy bragging rights and you can tell all of your friends and family you saw that comedian before they found country-wide fame.

 

Let’s not forget that when someone becomes famous through their comedy, it can be difficult to get a ticket. So, at least you can say that you have seen that person before everyone else is scrambling to get a ticket to their show.

 

More Excitement

 

Doing the same thing over and over again can get boring. If you are someone that does not like familiarity and doing the same thing all the time, it can be good to go and support an upcoming comedian. Of course, this is something that is different and new experiences bring a bit more excitement to your life. You do not know what you are going to get and you can have some fun with it.

 

Thankfully, there are always new comedians hitting the scene. So, there is plenty of opportunity to support them and enjoy some excitement. Sure, there might be some shows that are better than others. But, that is the beautiful of going to a comedy club. You can get a bit of everything and decide what you like the most when it comes to shows.

 

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Bettheguys Login Review – Best Sports Betting Website

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Bettheguys Login Review
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WHAT IS BETTHEGUYS?

BetTheGuys.com is an interactive online sportsbook that captures all of the prestige and excitement of live betting events by offering in-game wagering on various global sporting events. This innovative concept, which was brought to life by a visionary team of industry veterans, has redefined the entire way sports bettors place their bets.

By harnessing a unique Internet platform, BetTheGuys allows users to access up-to-date information regarding upcoming sporting events while placing real money wagers on these same events via a simple point and click interface.

Betting enthusiasts can also visit our site for a wide range of additional services including but not limited to player and game statistics, injury reports, live in-game bettors’ forums, and breaking news.

BetTheGuys is proud to be the first company with the ability to offer wagers on live events using a direct Internet connection as opposed to an affiliate or online bookmaker.

Not surprisingly, this functional advantage has resulted in a number of significant advantages for our customers including faster payouts and easy access from any computer with an Internet connection anywhere in the world.

WHY SHOULD YOU CHOOSE BETTHEGUYS?

Since BetTheGuys is an independent operation that employs its own proprietary software and does not rely on third-party intermediaries, it is able to offer unprecedented lines for all major sporting events around the globe.

Our vast selection of preferred sports include Football (NFL), Basketball (NBA), Baseball (MLB), Hockey (NHL), Soccer (Premier League, Serie A, La Liga, Bundesliga, Ligue 1), Boxing/UFC and Tennis.

1. OUR SERVICES: 

At BetTheGuys we are always looking for ways to improve our already superior service by introducing new features that will benefit our loyal customers.

The use of social media outlets such as Facebook has helped us to enhance the overall user experience by providing innovative promotions and interactive games. We hope users visit the site frequently in order to stay informed about all changes and developments at BetTheGuys.com.

2. USER EXPERIENCE: 

As a company that prides itself on offering a unique wagering experience, we endeavour to be ahead of the curve when it comes to upcoming technological innovations. In fact, BetTheGuys was the first company to add live betting functionality on mobile devices.

Now, our clients can place in-play wagers from anywhere on the globe using an Android or iOS smartphone or tablet with a simple click of a button. This development has given users unprecedented access to their preferred betting options and is one more way that BetTheGuys hopes to distinguish itself as an industry leader.

3. CUSTOMER SATISFACTION: 

As any serious gambler knows, the online sportsbook experience is all about placing your bet in a timely fashion and collecting your winnings without delay. At BetTheGuys we value customer satisfaction immensely and prefer working directly with our clients instead of dealing with multiple third parties.

Because we are able to operate independently from other companies it means that there will be no unnecessary delays or complications in the payout and withdrawal process.

Deposits are accepted and processed by BetTheGuys within a few minutes while payouts can be requested at any time during our business hours. Payments are typically completed within 24 hours although it may take less time if you request a wire transfer.

4. User Interface: 

Our easy-to-use live betting interface allows for real money betting on sports, but that doesn’t mean we don’t cater to those who prefer recreational wagering as well.

In fact, we have developed a number of games that allow users to bet without risking their hard-earned cash including Heads Up, Odds On/Odds Off, Rubber Band and Moneyline Blowout. From poker hands to football point spreads, there is always an opportunity to compete with friends and fellow bettors.

5. DATA AND PRIVACY: 

We believe that every user has the right to privacy as well as anonymity. For this reason, we will never ask for your password or any other personal information during the registration process.

BetTheGuys also complies with all relevant regulations concerning consumer protection and data security including but not limited to: Safe Harbor Privacy Principles, Children’s Online Privacy Protection Act, Federal Deposit Insurance Corporation Data Security Standards and Payment Card Industry Data Security Standard Certification. Basically, you can bank on us!

6. BONUSES AND REWARDS: 

With so many online betting sites competing for players’ attention, it is no wonder that few are able to achieve distinction in a crowded marketplace. However, BetTheGuys is one of those exceptions due to our unwavering commitment to provide one of the most rewarding and entertaining wagering experiences on the web.

We invite you to browse our website and learn more about our company, our offerings and specials before placing your first bet with us today!

HOW TO SIGNUP FOR WWW.BETTHEGUYS.COM?

It’s very easy to signup on BetTheGuys.com. You just need to follow the steps below:

  1. Sign up and select your language, number of account holder(s).
  2. Choose Password for your registered email address (Make sure you remember that email address when you want to log in)
  3. Confirm Password and Fill in the First Name / Last Name.
  4. Fill in Place of Birth Country and Gender.
  5. Choose a username/password for your BetTheGuys account OR continue with Email verification. (If you are an existing customer by using Facebook/Google+ then you can skip this step.)
  6. NOTE: For the Verification process please use only the mobile phone number or alternative SMS service that we will send you. [If you have already verified your account then you can skip this step]
  7. You will receive an SMS sent from BetTheGuys to verify your mobile number or alternative SMS service which we have sent.
  8. After successful verification, you will be brought back to the website and finish the registration process. You will receive confirmation of registration via email at the address that you provided during registration. You can log in & start betting with BetTheGuys right away!

HOW TO LOGIN TO WWW.BETTHEGUYS.COM?

After successful registration of your BetTheGuys account, you will receive an email containing a link to activate your account.

  1. Click the activation link within this email.
  2. Then click “Login” after adding the user name and password that you created in step 1 above.
  3. You will be able to access all of the web’s features and start placing bets.

HOW TO RECOVER BETTHEGUYS USERNAME?

If you forgot your username, please go to the login page and click “Complete Registration”. A new email will be sent with a link to recover your username.

HOW TO RECOVER BETTHEGUYS PASSWORD?

Enter your email address here:  https://www.BetTheGuys.com/forgot.html

You will receive an email containing a link to reset your password. Click the activation link within this email and then click “Forgot Password” after inputting the user name that you used when signing up for our service in step 1 above and answering three security questions correctly (don’t worry if you forget any of these). You should now be able to access all of our services again. By logging into this account.

HOW TO PLAY IN BETTHEGUYS?

Place your bet using the “Bet Now” button on our website, then follow the steps below:

Select sports & event Select match & date Enter stake (min = $0 – max = $10,000) Click “Next” Choose odds type e.g decimal / American (+ 10% house edge) Choose amount e.g 20 cents / 50 cents etc (This will determine how much profit or loss you can potentially make ) Click “lock wager” If using casino bonus code.

WHERE DO I PLAY FOR FREE?

You can play for free on Facebook, Dailymotion, Youtube or other platforms which are suitable for you but please note that we don’t provide any prizes unless there’s a promotion from time to time. We also have our own community where you can interact with other members & ask questions regarding what is going on in the sports & gambling industry. You will definitely learn something new about sports betting here at BetTheGuys!

IS BETTHEGUYS.COM A SCAM OR LEGIT?

The simple answer is NO. BetTheGuys.com is 100% legit and safe to use.

PROS & CONS OF WWW.BETTHEGUYS.COM

PROS:

1. Different Language Support

2. Wide range of bets available on many sports including football, basketball, volleyball & more

3. Live betting is supported

4. High-security standard

5. Promotions for loyal customers

6. Several payment options are available online

7. FAQ section to help you get started

CONS:

1. High minimum betting limit

2. Lack of customer service and support for non-English users

3. Low conversion rate  (If you are from other countries)

CONCLUSION:

Now that all things have been said about BetTheGuys I think this review is over and the best way to end it would be that if you want to start sports betting with real money then signup at BetTheGuys right now! Thanks for taking your time to read this kind of long article because we know reading such an article can take a lot of time but we hope you’re interested in joining us here at BetTheGuys.com.

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What Does SFS Mean? Snapchat, Instagram, and More

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Curious about what SFS means? Typically, SFS is used on social media platforms like Snapchat, Instagram, and TikTok as a self-promotion tool. In this article, we’ll go into more detail about SFS, including what it means and how to use it successfully. We’ll also note a couple of alternative meanings, just in case you run into another usage. Read on for our comprehensive guide!

What does SFS mean on Snapchat?

 

Image titled What Does SFS Mean Step 1
On Snapchat, SFS means “snap for snap.”SFS is often used by social media influencers, although anyone on the platform can use it. Typically, a user will post a snap and caption it with #SFS. They’re asking their followers to repost their snap as a way to get more attention and increase their reach.

  • If you respond, they’ll promote your profile/content in return to help you get more likes/followers, too.
  • A user might tag you in a #SFS post to get your attention (especially if you’re a fellow influencer) so you’ll share their content.

What does SFS mean on Instagram?

 

Image titled What Does SFS Mean Step 2
On Instagram, SFS means “shoutout for shoutout” or “spam for spam.”Even though the translation is slightly different (after all, only Snapchat has snaps), the basic meaning of SFS is exactly the same on IG—a user who captions a post with #SFS is asking their followers to reshare their content. If you help them out, they’ll cross-promote you in return.

  • SFS is almost always paired with a hashtag, especially on Insta.
  • A user may DM or tag you in an SFS post if they want to get your attention.
  • The meaning and intention behind SFS is the same on TikTok, WhatsApp, Twitter, and all other social media platforms.

How to Use SFS on Snapchat and Instagram

 

Image titled What Does SFS Mean Step 3
Caption a post with #SFS to ask your followers to share your content.Posting content on social media with the caption #SFS is an easy way to ask all of your followers to promote you. Since the idea is cross-promotion, you’ll be expected to promote other users (especially other influencers) in return.

  • For example, to promote your street art photography, post an image and caption it with #SFS. It also helps to include additional hashtags like #photography, #photooftheday, #streetartimages, #artwork, #streetstyle, and so on.
  • If you want to get a specific user’s attention, tag them in your #SFS post.
  • Many people consider SFS posts to be annoying clickbait, so be choosy! Only use #SFS if your story or post is actually worth sharing.

Responding to SFS on Snapchat and Instagram

 

Image titled What Does SFS Mean Step 4
Repost the user’s content if you want to promote them.If you want to help out another influencer or promote a friend, share their SFS-labeled content with your followers. They’ll share your profile and content with their followers in return. Hopefully, both of you will get tons of new likes and follows as a result!

  • You can also just ignore #SFS posts if you prefer. Even if you’re tagged in a post like this, you aren’t obligated to share the content. It’s totally up to you.

Other Possible Meanings of SFS

 

Image titled What Does SFS Mean Step 5
So f*cking stressed.Keep in mind that if you see “SFS” paired with a hashtag, it always means “shoutout for shoutout,” “snap for snap,” or “spam for spam.” However, you might see this usage in a text message or DM from a friend who’s super anxious about something. For example:

  • “Got an algebra test tomorrow and SFS about it. Come over and help me study?”

 

Image titled What Does SFS Mean Step 6
Seriously funny sh*t.You might see this alternative usage in a text message or DM from a friend. Luckily, it’s pretty easy to tell if someone is trying to say “so f*cking stressed” or “seriously funny sh*t” by paying attention to the context.

  • A friend might send a text like, “Wait until you hear what my brother did today, this is some SFS…”
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How Many Oz in a Gallon

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How Many Oz in a Gallon? – Easy Conversions + Free Printable Chart!

In the U.S. many liquids are sold in gallons and quarts. But exactly how many ounces are in a gallon? Learn how many oz are in a gallon here, plus grab a FREE printable kitchen conversion chart!

How Many Oz in a Gallon? - Easy Conversions + Free Printable Chart!

Wondering how many ounces in a gallon? You’re not alone! Figuring out the oz to gallon conversions has many people stumped and scratching their heads. The good news is that measurement systems can be remembered by breaking them down into a system that works. When figuring out our fl oz, liters, and how to convert gallons into a smaller liquid ounce, the following tips and breakdowns will help.

 

While it’s important to know conversions, it’s also equally as important to know HOW to figure those conversions by understanding the units of measurements as well.

Metric vs Imperial

Even today, countries are still divided between using different measurement equations and tools. The two most common that you’ll hear about are the Imperial system and the Metric system.

The United States customary system still uses the Imperial measurement system for measuring out feet, ounces, inches, etc. Other countries, like the UK, use the Metric system as their way to measure. (however, just because nothing in life is simple, there are some portions of the UK that use a UK Imperial system (a variation of the imperial system) of measurement for UK fluid and UK gallons, etc. of conversion as well)

Many consider the metric system an easier way to convert a unit of volume or a gallon of liquid but that’s just a matter of personal opinion. The US system has been using the Imperial measurement for a few hundred years now.

What is a Gallon?

A gallon is a volume measure of an amount of liquid. A US gallon is equal to four quarts. You’ll often hear people refer to needing a “gallon of water” or a half-gallon of milk from the store.

Keep in mind that there is such a thing as a “dry gallon” as well. Dry gallons are converted at a rate of 1 US liquid gallon = .86 dry gallons.

What is an Ounce?

An ounce is a very, very small portion. The exact measurement of an ounce is that 1 ounce = 1/16th of a pound of weight.

You’ll often hear ounces referred to when measuring out food items during baking, like butter or seasonings. Most US fluid ounces (also known as the imperial fluid ounce) are referred to in ounces as written on the cans or containers that it’s in. This helps you to know the volume of liquid that is held inside.

Ounces to Gallons

As most people who deal with equations or spend a lot of time in the kitchen cooking, most measurements have to be converted at some point in time. Not all recipes or directions are written in a way that makes them universal. For this reason, it’s important to be able to convert gallons to other forms of measurement.

How Many Oz in a Gallon?

In one liquid gallon, there are 128 fluid ounces of liquid. In one Imperial gallon, there are 153.722 fluid ounces of liquid.

How Many Ounces is Half a Gallon?

In an Imperial 1/2 gallon, there are 76.86 fluid ounces.

If you’re referring to a LIQUID 1/2 gallon, there are actually 64 fluid ounces.

How Many 2 oz Make a Gallon?

To fill one gallon, you’ll need 128 fluid ounces. If you want to serve two gallons, that will take 256 fluid ounces.

How Many 8 oz Make a Gallon?

The easiest way to convert a small size to a big size is to think in groups. To create a gallon, you’ll need to have sixteen 8-ounces bottles combined. This number is arrived at easily since we know that there are 128 ounces in one gallon.

How Many 16 oz are in a Gallon?

The same thought process as above goes into this measurement equation. You’ll need to have eight 16-ounce bottles to fill a gallon, which is half the amount needed for the smaller 8-ounce bottles.

Since they’re twice the size, you need half as much.

How Many 24 oz are in a Gallon?

This won’t get you an exactly even number, but you’ll get close. You’ll need to have about 5.3 24-ounce bottles to equal a gallon.

How Many 32 oz Containers Make a Gallon?

The larger the container, the less you’re going to need! To make a gallon out of 32-ounce containers, you’ll just need four of them.

You can also think about this in terms of quarts since one quart equals 32 ounces and 4 quarts equals one gallon.

How Many 64 oz Make a Gallon?

We’re going up again in size. For a gallon, you’ll just need to have two 64-ounce containers.

Tips When Converting Measurements

There can be times when it might feel a tad bit overwhelming to convert certain measurements. It’s not uncommon to have moments when you may not know how to change measurements to pints or how to convert inches to ml, cm, or other lengths and portions. Whether it’s a measure of volume or unit of weight, it can be tricky!

Knowing how conversation rates work and having a calculator handy can help. There are also many online resources and guidelines that you can use to research and help convert for you.

The worst possible thing that you can do when it comes to trying to convert is to guess. Since measurements are used from everything ranging from cooking to home projects, having as exact measurement and conversion as possible is key.

If you talk to a professional baker or someone who spends their time building houses for a living, they’d agree! Guessing on units and ounces will only result in a lack of time and frustration and will more than likely, have you starting over from scratch time and time again.

Free Printable Kitchen Conversion Chart

This free conversion chart is excellent to have on hand! I highly recommend that you print it, laminate it, and have it stored in a place in your kitchen that it’s easily accessible and ready to use. Putting it on the inside of your spice cabinet and holding it there with a piece of tape would be perfect! Or laminating it and adding magnets, and putting it on your fridge is awesome, too. The more you convert, the more you’re going to get used to it. You may find that after a short time, you’re able to memorize many of them and be converting measurements and units like a pro!

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