WHAT ARE THE CONSEQUENCES OF EXERCISING STICK-TO-ITIVENESS, GRIT, PERSISTENCE, AND PERSEVERANCE, IF THESE REQUIRE IGNORING ONE’S OWN THOUGHTS, FEELINGS, NEEDS, AND PHYSICAL SYMPTOMS/SIGNALS?

Charles Tadros, M.D.

May 3, 2022

Saint Louis, Missouri

I DON’T REMEMBER ANYBODY EVER EXPLAINING WHAT THE WORKLOAD AND COMMITMENT FOR TAKING 1 COLLEGE CREDIT HOUR REALLY MEANT…

In college, 1 credit hour (for a semester class) means 1 hour of classroom time per week plus an expectation of an additional 2 hours (up to 3 hours for rigorous courses) per week for homework, projects, etc.

So, a typical 15 credit hour per semester course load for a full-time college student, translates into 15 hours of classroom (or lab, or studio) time per week plus an additional 30 (to 45) hours of out of classroom study time per week. This, roughly, translates into a 45 (to 60) hour “work week” for the average, full-time college student.

By the way, this time commitment does not include cooking, cleaning, laundry, sleeping, going out with friends, dating, ball games, structured extracurriculars, relaxation time, screen time, gaming, walking around campus, or traveling.

Charles Tadros, M.D.

May 3, 2022

Saint Louis, Missouri

SOME PEOPLE ARE UNWILLING OR UNABLE TO DO MORE FOR THEMSELVES, LET ALONE HELP OTHERS BECAUSE:

1) Every project seems to have no bounds… bottomless and endless when it comes to how much time and energy it will require in order to successfully complete it.

2) As soon as one commits to spending time or expending energy, invariably, their other tasks, commitments, and schedules will expand and require immediate attention, leaving this overwhelmed person exhausted, anxious, harried, behind, and resentful.

Charles Tadros, M.D.

May 1, 2022

Saint Louis, Missouri

BIDE YOUR TIME. IN ANY DOMAIN WHICH REQUIRES KNOWLEDGE, SKILL, AND EXPERIENCE, THEN BEING PATIENT, AND PERSISTENT INCREASE YOUR CHANCES OF SUCCESS.

This does not apply for domains where the odds (no matter how small) are stacked against you. For instance, the longer you persist in gambling, smoking tobacco, or using risky driving behaviors on public roads, the more likely you are to encounter a catastrophic outcome for you or somebody else.

Charles Tadros, M.D.

May 1, 2022

Saint Louis, Missouri

HOW MUCH COULD YOU GET DONE, AND WHAT COULD YOU LEARN ABOUT YOURSELF OR THE WORLD, IF YOU HAD, FOR A YEAR, 100% OF THE TIME, ENERGY, EXPERTISE AND FOCUS OF YOUR OWN PERSONAL:

Anatomy and physiology teacher

Physician

Psychologist

Religious studies expert

Physicist

Marine biologist

Carpenter

Welder

Machinist

Historian

Research librarian

Chef

Private jet with pilot

Executive assistant

Charles Tadros, M.D.

April 29, 2022

Saint Louis, Missouri

ANY DEBT, “GOOD DEBT,” OR “BAD DEBT,” LONG-TERM DEBT OR SHORT-TERM DEBT, SHOULD BE USED TO PURCHASE AN ASSET OR SERVICE WHICH WILL, IN TURN, GENERATE REVENUE OR AN INCOME THAT WILL BE USED TO PAY OFF THAT DEBT, PAY ASSOCIATED OPERATING EXPENSES, AND GENERATE A REVENUE STREAM.

Everything we purchase can be construed as helping us to make more revenue and income. For instance, buying lunch gives us energy to go back and do 4 more hours of work. However, should lunch be paid for with debt? If the answer is, “No,” then pay cash for lunch.

If a car is primarily for personal use, then pay for it with cash (YES, I know, sounds impossible). If the car is for business use, then work with a CPA to purchase it /purchase its use the best way possible, in order for its use to pay for itself, plus extra.

What we will find is that the future value of money (time value of money), is much more than we would have predicted. A dollar that we spend today (or a dollar not saved and not invested today), causes us to miss out on accumulating many, many, many dollars, years from now.

Charles Tadros, M.D.

April 29, 2022

Saint Louis, Missouri

AUTOMATIC DEDUCTIONS AND AUTOMATIC PAYMENTS: BOTH ARE CONVENIENCES THAT LULL US INTO POOR HABITS AND COMPLACENCY.

WE SIGN UP FOR ACH (AUTOMATED CLEARING HOUSE) DEDUCTIONS THROUGH A BANK ACCOUNT OR CREDIT CARD ACCOUNT. THIS ALLOWS A VENDOR TO WITHDRAW VARIABLE AMOUNTS OF MONEY (e.g. variable dollar amounts for natural gas bills or electric bills). WE MAY ALSO SCHEDULE AUTOMATIC PAYMENTS OF CONSTANT DOLLAR AMOUNTS (e.g. loan payments or rent payments), OUT OF OUR CHECKING ACCOUNTS.

ANY BUSINESS OR COMPANY WOULD LOVE CONSISTENT AND PREDICTABLE REVENUE STREAMS FROM RECURRING SUBSCRIPTIONS, AND AUTOMATIC RENEWALS. BOTH ARE MADE POSSIBLE BY AUTOMATIC DEDUCTIONS /PAYMENTS FROM OUR ACCOUNTS. BY THE SAME TOKEN, THESE COMPANIES DO NOT FEEL OBLIGATED TO ASK US IF WE ARE STILL USING, OR STILL FINDING VALUE IN, THEIR PRODUCTS OR SERVICES.

IT IS IMPORTANT TO CHECK, DAILY, THE ACTIVITIES OF THESE ACCOUNTS: CREDIT CARDS, CHECKING, SAVINGS, MONEY MARKET, LINES OF CREDIT, MARGIN LOANS, STOCKS, BONDS, REAL ESTATE, CRYPTOCURRENCY, AND ANY OTHER INVESTMENTS.

SUBSCRIPTIONS ARE VERY SPECIFIC: just the Sunday newspaper, just laptop or desktop web access, just smartphone app access, printed format newspaper, but not digital, etc.

WE MAY ACCUMULATE MULTIPLE SUBSCRIPTIONS TO THE SAME PRODUCT OR SERVICES (especially if we register with different login names, or different emails)

These are just some of the items and services that we may have signed up for, but no longer require):

Subscriptions to magazines, newspapers, investment letters, and journals (sometimes billed weekly, monthly, quarterly, or annually)

Subscriptios to online games

Subscriptions to websites

Subscriptions to discount or bulk buying clubs

Subscriptions to timeshares

Subscriptions to extended warranties

Subscriptions to cable or satellite TV

Subscriptions to extra / premium TV channels.

Subscriptions to a “landline” telephone services

Subscriptions to additional telephone extensions

Subscriptions to additional mobile phones on a group or family plan

Subscriptions to antivirus and anti-malware software

Subscriptions to VPNs (virtual private network for secure internet connections), or fixed IP (internet protocol) addresses

Subscriptions to multiple, personal or professional, email accounts

Subscriptions to website/domain names

Subscriptions to smartphone apps and services

Subscriptions to bookkeeping and tax preparation software

Subscriptions to book clubs

Subscriptions to online/cloud reading services such as Kindle and Nook.

Subscriptions to audio book and podcast services such as Audible, Blinkist, Scribd, etc.

Subscriptions for regular purchases of pet foods, prepared meals, wine clubs, steak clubs, clothing, kids’ educational toys, etc.

Subscriptions to productivity software (e.g. Microsoft Office 365, receipt scanning software, etc.)

Subscriptions for data storage to the cloud, computer backup to the cloud, photograph storage/backup to the cloud

Subscriptions to lawn, tree services, lawn irrigation, pool care,

Subscriptions to heating and air conditioning cleaning services

Subscriptions to legal aid and tax aid services

Subscriptions for automatic refill of medications

“Subscriptions” to life insurance, disability insurance, malpractice insurance, business insurance, business overhead insurance, automobile/vehicle insurance, homeowner’s insurance, flood insurance, earthquake insurance, renter’s insurance, umbrella policy, personal articles insurance, and additional riders on these policies

Subscriptions for automatic refills of household cleaning items, and other consumable goods ( e.g. toilet paper, printer ink cartridges)

“Subscriptions” for PMI ( private mortgage insurance)

Subscriptions to gym and other workout facility memberships

Charles Tadros, M.D.

April 29, 2022

Saint Louis, Missouri

BENEFITS OF COOKING OUR OWN FOOD…

We understand and appreciate: organization, planning, storage, space utilization, assistants, assistance, tools, work flow, completeness, exactness, freestyling, waste, cost, quality, time, timing, and coordination.

We are more likely to appreciate the efforts and foods prepared by others.

We may consider growing some of our own foods (even a simple windowsill herb garden).

We appreciate the importance of grocery shopping 2 to 3 times per week in order to obtain smaller quantities of fresh ingredients.

We can better realize food as medicine (for prevention and healing).

We acquire more tools, skills, and confidence, by using meals, to help bring together family and support friendships.

We seem to be less hungry for the final meal (calorie control), the longer it takes for us to prepare and cook.

Finally, and most importantly, LEFTOVERS!

Charles Tadros, M.D.

April 29, 2022

Saint Louis, Missouri

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