Urgent Money Needs: How to Avoid Cash Advance Traps

IMG_6960
I don’t have any cash advance stories because I’ve never used such a business. I have borrowed money from people and paid them back. That’s the best option if you need a cash advance. The best option is to save your money until you have enough to purchase what you need. I understand there may be times when you are down on your luck and are about to get evicted from your house and you need to a write bad check to a cash advance place and pay 2000% interest. That’s better than planning ahead I guess?

The worst I’ve ever needed money in a hurry was when I moved for a new job. The drivers of the moving van didn’t mention it was cash only when they drove off with my family’s belongings. When they called to let me know what time they would be unloading they dropped the “cash only” bomb on me. If I didn’t come up with the cash they would be driving to their next stop which was an auction house where all my furniture would be sold off for payment. I had to scramble to four different Western unions because of the cash limit, and yes I paid the person back immediately with my relocation expense check. I’m not sure why I didn’t report that company for potential fraud and hijacking.

So how do you build a good emergency fund?

Does the slow carb diet work?

DSC01418
Biscuits and Gravy from Tudor’s Biscuit World (2004)

The slow-carb diet is/was the best diet for me. I’ve been on and off diet/lifestyle since January 2016. According to my doctor, my weight peaked at about 292 lbs. Right before Thanksgiving 2016, I weighed in at 233 lbs, and during that year, and did not do one bit of exercise. You can read about the diet on the Tim Ferris website or buy his book The Four Hour Body. I did both.

What I love most about the diet is how well you feel during the week, your mind is sharp and you have an overall feeling of wellness. What I used to love but not so much anymore is the cheat day. You can eat whatever you want, quite literally. I think my progress has slowed down because I don’t do a proper cheat day anymore and I don’t eat enough during the week. I don’t like the cheat day because I feel miserable the day of and the day after. Here is what a proper cheat day looks like

  • 3 Biscuits and Sausage Gravy (9am)
  • Bag of Flaming Hot Munchies (Doritos, Sun Chips, Cheetos, etc.) (12 p.m.)
  • 3 Chicken strips with Thai Curry Sauce from BWW  and Waffle Fries(1pm)
  • Homewrecker from Moe’s with Chips (6:30pm)
  • Ice cream – Oreo Mint from Cookout (7pm)

I’ve started to walk every morning and do more weightlifting because I’m getting older and starting to feel weak. I’m sure in a few years people will figure out that intermittent fasting/keto is not good for you and and is actually killing you faster, that’s just my guess.

Should you upgrade your movie ticket to premium?

IMG_0125
Regal Premium Experience has been out for a while, and in my opinion, is worth the extra price if you must see the latest hot garbage from Hollywood. You get a comfortable seat, a huge screen, and super loud audio with many speakers. I used to go for the 3D version but have since switched to 2D only because the picture is much sharper. They could make it even more premiumer if they had some way to keep the movie commentators quiet. Maybe some sort of EMP to disable all cell phones so that we are not blinded by blue screen light as we are engrossed in a Xenomorph chomping its way out of a human body cavity.

Of course at my house, I have a pretty large screen, super loud surround speakers, and all the popcorn I want to eat. I can pause the movie anytime I want so no one interrupts the Xenomorph cavity carnage.
IMG_0123

The Decline of Toy Shopping for Kids

I miss the days when there were new start wars movies coming out every fall. I looked forward to Septembers and Force Fridays when all the new Star Wars action figures were released. But this has been my experience…

Whatever happened to let kids buy toys. I took my children shopping for toys and the shelves were empty. I can only assume that grown men and women went to buy the toys earlier in the day and are now selling them on eBay for profit.

I know it’s fun to purchase “Hard-to-find items” but let the kids have a shot. If you really want one of each item then buy an entire case from entertainmentearth.com and let the children experience shopping for new toys rather than looking at a barren wasteland of potential happiness.

I don’t know if this happens but retailers should split the toy shipment into two pieces. Set aside half of the shipment for the people who stand in line at midnight. Then the other shipment for people who have to work and have children who may want a few toys.

Navigating Disney World Theme Parks with Confidence

If you’ve ever felt like you’re playing an endless game of human Frogger at Disney World, constantly weaving and dodging to avoid bumping into other guests, you’re not alone. As someone with a larger phsyical presence, I’ve noticed that I seem to be doing most of the “defensive walking” at theme parks – and it’s exhausting.

The constant mental load of spatial awareness, the anxiety of potentially knocking someone over, and the feeling that you’re the only one paying attention to personal space can turn what should be a magical day into a stressful navigation challenge. But here’s what I’ve learned: it doesn’t have to be this way.

The Reality of Crowd Awareness

First, let’s address the elephant in the room (pun intended). Research suggests that only about 20-30% of people maintain high situational awareness in crowded environments. Most guests at theme parks are absorbed in their excitement, conversations, smartphones, or simply the sensory overload of the experience. This means if you’re constantly aware of your surroundings and actively avoiding collisions, you’re actually in the minority – and that’s not a bad thing.

Your spatial awareness isn’t a burden; it’s a skill. But like any skill, it can become overwhelming when you feel like you’re the only one using it.

Strategies That Actually Work

Timing Is Everything

Covid reopening at Hollywood Studios

The single biggest game-changer for reducing crowd anxiety is strategic timing. Early park admission (if you’re staying on Disney property) offers a golden hour of lighter crowds. Weekdays during school sessions and avoiding major holidays can transform your experience from sardine can navigation to comfortable walking.

Use Disney’s mobile app to check real-time crowd levels at different areas of the park. Sometimes, a five-minute walk to a less popular section can give you the breathing room you need.

Walk Like You Belong

Here’s a counterintuitive tip: walk with confidence and purpose, even if you’re not entirely sure where you’re going. People unconsciously move aside for someone who appears to know their destination. Hesitant, apologetic movement actually creates more congestion and awkward dance-around moments.

Choose wider pathways when possible, even if they add a few extra steps to your journey. The Main Street bypass at Magic Kingdom, for example, is often less crowded than the main thoroughfare.

Reframe Your Perspective

Instead of viewing every potential bump as a disaster waiting to happen, remember that minor collisions are incredibly common at theme parks – and most people are understanding about them. You’re not responsible for everyone else’s spatial awareness, and most guests appreciate someone who’s thoughtful about navigation, even if they don’t express it.

Your size doesn’t make you more dangerous; it makes you more visible and, frankly, more considerate of others’ space.

Create Comfort Zones

People mover is a nice spot to take a load off

Theme parks can be overwhelming for anyone, but the constant hypervigilance required for crowd navigation can be particularly draining. Build regular breaks into your day:

  • Find quiet corners and outdoor seating areas for brief respites
  • Use mobile ordering to avoid crowded food service lines
  • Consider midday breaks at your resort if you’re staying on property
  • Take advantage of less crowded areas like the trails at Fort Wilderness or the gardens at EPCOT

The Mental Game

Perhaps the most important shift is moving from feeling solely responsible for crowd navigation to recognizing it as a shared experience. Yes, you might be more aware than the average guest, but that awareness is valuable – both for your safety and others’.

Instead of anxiety about your size, try reframing it as confidence in your ability to navigate complex social spaces thoughtfully. You’re not taking up too much room; you’re using your space consciously and considerately.

Making Magic Happen

Disney World is designed to be magical for guests of all sizes and abilities. Don’t let crowd anxiety rob you of experiences you’ve paid for and looked forward to. With some strategic planning, confident movement, and a reframed perspective, you can focus less on navigation logistics and more on creating those magical moments.

Remember: you belong in these spaces just as much as anyone else. Your thoughtful approach to crowd navigation isn’t a weakness – it’s a strength that makes the parks safer and more enjoyable for everyone.

The magic isn’t just in the attractions and characters; it’s in the confidence to fully enjoy them without constantly worrying about everyone else’s spatial awareness. You’ve got this.


Have your own tips for navigating crowded Disney theme parks? Share them in the comments below – we’re all in this magical journey together.

Crosswalk Signals Explained: The Red Hand Mystery

People have been confused for decades about the real meaning of the crosswalk signals. The red hand doesn’t mean stop, it’s waving at you, telling you it’s safe to cross! The other signal is a chalk outline of a dead guy informing that you will perish if you try to cross.

I’ve always heard those crosswalk buttons don’t have anything to do with the traffic signals. Crosswalk buttons are installed because pushing a button will give a sense of control before you’re flattened by a city bus you didn’t see because you were too busy checking your Twitter. There have been several occasions where people crossed in front of my car and told me to stop with their raised hands. I had no idea they had the right of way to cross a busy intersection while I had a green light. I finally get it, I’ve had these crosswalk signals mixed up all along!

If you visit a big metropolitan area you know it’s safe to cross when the city folk begin entering the intersection before the signal changes. Trust them.

Reflecting on Life Before Social Media

What does it really mean to go back to the old days? What are the old days and how do you define them?

To me, the old days is life before all the social media and other technologies that are supposed to make our life simpler and easier, but really just complicate things and cause anxiety

Who knows what’s next, because before there was TikTok, there was Instagram, and before Instagram, there was Facebook, and before Facebook, there was MySpace. Before that, all we had were blogs. Then that deviated to Twitter. Twitter was supposed to be microblogging because people didn’t have the attention span to read an entire post. They just wanted to read a few sentences and look at a pretty picture.

Let’s go back to blogs, delete all of your other social media, it’s time.

1. Telegraph (1830s–1840s)

  • Invented by Samuel Morse.
  • Used Morse code to send messages over long distances via wires.
  • Revolutionized long-distance communication.

2. Telephone (1876)

  • Invented by Alexander Graham Bell.
  • Allowed real-time voice communication.
  • Quickly became a staple in homes and businesses.

3. Radio & Broadcast Media (1890s–1920s)

  • Wireless communication began with radio.
  • Became a mass communication tool with news, music, and entertainment.

4. Television (1930s–1950s)

  • Added visuals to broadcast media.
  • Transformed communication into a visual storytelling platform.

5. Email & Early Internet (1960s–1980s)

  • ARPANET led to the birth of email and early internet.
  • Email became a fast and efficient alternative to postal mail.

6. Mobile Phones & SMS (1980s–1990s)

  • Made communication portable.
  • Text messaging (SMS) introduced concise, fast communication.

7. Internet Boom & Instant Messaging (1990s–2000s)

  • Services like AOL, MSN Messenger, and ICQ enabled real-time chatting.
  • The web allowed people to share information instantly worldwide.

8. Social Media (2000s–Present)

  • Platforms like MySpace, Facebook, Twitter, Instagram, and TikTok.
  • Transformed communication into a constant, global, multimedia experience.
  • Emphasized user-generated content, connectivity, and community building.

Budget-Friendly Tips for Visiting DC

Stay in Virginia

Unless you like throwing away money, you can stay at a similar hotel in Arlington Virginia for a fraction of the cost. I recommend the Homewood Suites near the Rosslyn Metro station. They have a free shuttle to Rosslyn Metro which will connect you to the Orange, Blue, and Silver lines.

Use the Metro Rail

If you love driving around and seeing endless brake lights, then by all means, hop in your automobile. Overcome your fear of confined underground metal bacteria tubes and use the Metro Rail. I’d suggest starting at $20 per rider and refilling it as needed. You can get to all the major sights by using this transportation method if you don’t mind a little walking to and from the Metro stations.

Contact your Senator

If you plan ahead you can contact your state Senator and book a White House, Capital, and Library of Congress Tour. The Capital tour was my favorite because it was a small group and our guide was very knowledgeable. We also got to ride the underground people mover from the Senator’s office to the Capital Building. Plus we got to go in rooms not available to the general public.

Pack Light (most of the time)

For Government buildings, you will be restricted to small purses or handbags. Don’t bring a backpack with everyone’s lunch or water bottles. If you take a capital tour with your Senator’s office, you can leave your backpack in the air-conditioned office and pick it up when you are done. You can take pictures and they will let you know with vigor when you can’t. A small point-and-shoot camera or your smartphone is fine. Do not attempt to bring your SLR with a 600mm lens.

Bring a reusable water bottle and snacks

For times you can bring a larger bag (museum days), and fill a reusable water bottle with ice from your hotel. Most places have those filtered reusable water stations that remind you haven’t killed any sea turtles today.  There aren’t many options to eat at the National Mall, so pack a few snacks so that you don’t have any hangry meltdowns.

Minimize your walking

Don’t try to do the National Mall in one day. Going from the Capital Building to the Lincoln Memorial is quite a haul. We did it, it is possible, but I regret it. Try to plan your museum visits based on your metro stops.

Use the DC Circular

To help minimize your walking there is a large red bus that will stop at all major spots in and around the National Mall. It’s only $1 for as long as you ride. Some drivers will let your kids on for free. Good for getting from one end of the National Mall to the other.

Suggested YouTube Channel: Trip Hacks DC

IMG_3647

Binge watching is the new standard

I have all but quit watching TV shows when they are broadcast. I believe I stopped watching live TV shows when Friends went off the air before DVRs were a thing. I don’t like commercials and with Disney+, Hulu, HBO Max, and other knockoffs, you can watch an entire season rather quickly. Once the streaming services became available it made it too easy to watch what I wanted on my schedule. There are some shows that I like to keep up to date on so I will wait about a month until they get at least 4 shows in the books before I begin watching. Then there’s that awful waiting period for them to get another 4 episodes in the queue.

The problem today is we’ve been tricked into watching commercials again. Now each service has a “premium” tier with no ads. They’ve gone back to releasing shows every week so no more binge watching when a new show comes out. That way you can see more ads. Unless you pay!

Affordable Food Choices for Every Household

Honestly, I’m just grateful that I can fill up a cart without feeling like I need to take out a loan. Aldi keeps me guessing with their mystery aisle treasures, Walmart always comes through in a pinch, and the warehouse store makes me feel like I’m stocking up for the apocalypse. It may not be Instagram-worthy like a Trader Joe’s haul, but I walk out with food that tastes good, fills me up, and doesn’t leave my wallet in tears. At the end of the day, laughter, full bellies, and a stocked pantry beat fancy labels any time.

I don’t live in a nice enough part of town to shop at Whole Foods or Trader Joe’s. I have slum it and make do with what I have available. I typically only shop at three stores. Aldi, Walmart, and some sort of big box warehouse store. Don’t get me wrong, I like the idea of Whole Foods, but don’t feel it warrants the price for the food. The human bodies digestion system is pretty amazing and I don’t think it matters how much the food costs. Organic doesn’t mean that much to me and if it only takes a few extra years away from my life, I’m OK with that.