It's cold. But when it's winter it must be cold. And that's the problem. You either have to pay for heat or get tired with getting coal or wood, starting the fire and checking it doesn't spread. Going out is a torture. You have to put in a dozen layers of clothes. Underwear, pants, short-sleeved shirt, long-sleeved shirt, sweatshirt, boots, neck warmer, hat, gloves. To go out to a shop that is on the ground level or just around the corner, you need all this wearing and getting tired. Winter clothes are heavy, limit motions, sometimes even visibility, and are hard to put on and put off. So buying those is hard and even if you do, then they're hard to walk in. Summer and spring don't have those problems, because you can put on clothes for outdoors and indoors, just change boots and you're alright.
And winter is such a great time to get sick. And the worst thing is having a stuffed nose and have to breathe with your mouth, with this cold air. Throat damage guaranteed, plus this pain in the face from the cold air blowing in your direction. Summer and spring don't have such problems. And winter has the highest amount of deaths of all the seasons. I literally got a frostbite because I touched snow with my bare hands because I didn't have gloves on them. And if you're healthy and put on the clothes, there's another problem.
Getting around. Most of us are rich and have a car and can drive wherever they want. But if you can't, you have to use public transit. I don't have anything about just using it or the fact of the existence of public transit, but the quality of those in Poland, where I live, leaves much to be desired. You have to wait, in cold. In a city this isn't a problem as big as in the rural areas where buses function. These are often coming only in early mornings and in early afternoon, but even if they come more often, they often are late. And no matter the location, you often have to stand, and even if you find a seat, you can sometimes smell people who don't shower very often. Trams, trains, metros and buses are often heated, like most indoor places, we'll get to that later, and people coming there in winter are usually in jackets and sweat in those vehicles, especially considering how crowded they often get and how warm those crowded people are. You'll sweat like a construction worker after 8 hours of work during a heatwave. And driving doesn't save you from the effects of winter. You have to scrape snow from your car, the engine can not start or the visibility is low and roads are blocked or icy, you can skid easily and crash into another car, a pedestrian, a pole or a tree. Walking does neither. If snow falls, it's crushed by people walking, melts and freezes again, and or forms ice on the sidewalk. And you can slip on it and either break something or die. Each time I walk on it, I think I'm gonna die. Either i slip on it and land on a spiked fence, I land on the sidewalk and break something, or I land on the street and get run over by a semi truck or a car. If you manage to get to your destination, there's another problem.
All the buildings are heated, so if you're in winter clothes, you're going to sweat like a construction worker after 8 hours of work during a heatwave.
It's dark half the day. You go to work or school, dark, you go back, dark. And the other half it's cloudy and grey. And the whole world dies. No leaves, no grass, no flowers, some animals hibernate, just grey, cloudy skies and white brown combination of snow, soil, water and mud. No sun. Sure, there are Christmas lights but let's face it, they are only to hide the grey and dark.
It's a hard time for students. The semester ends. You have to pass everything. They throw a lot of tests and quizzes at you. You will tire yourself to death.
Winter sports and games. Snowballs. I hate snowballs. Even if the person who throws one is someone I like. Usually, I take it easy, but in my mind, I hate it. Ice skating. I can't do that because the nearest lake or skating rink is too far away to walk. I could afford that, but I would need to wear all those clothes, get on the bus, ask my parents for approval, get back. No way. Skiing. I live in a city surrounded by forests and farm fields. No way. Sledding. Those are easier because I have some hills in my neighborhood, but going out, taking the sled, going back. Nope. Snowman. Going out. No.
And there are, CHRISTMAS IN WINTER. I'm fed up with them. Literally a few days after Halloween and All Saints Day, all the shops and malls are decorated, and Christmas songs are playing on the radio and Christmas commercials on TV. "Last Christmas, I gave you my heart...":“Christmas promotion! Bone carp, only 21.37 per package or a withered Christmas tree, 69.69 each plus delivery for 3.21. Holidays for Christmas, Old Zealand, 666.66 both ways. Christmas loans, only in Pierogi Bank Polski." Don't take Christmas loans, that's the stupidest thing you can do in that time of the year. They're still up everywhere, wherever I go, whatever I look at. Until the day finally arrives, December 24, when you are completely fed up with it. And it's not like I hate Christmas. Christmas in their current shape and theme are asking for dislike. You want to get up, leave, and come back when all this madness is over. But it's nice that we have time off and we get presents and meet our family. In the summer we have more free time, and on birthdays and name days we also get gifts and meet our family. But always something. And then there's another holiday.
New Year's Eve and New Year, when humans celebrate Earth going around the Sun once again, while nothing besides it happens in nature and humanity on those two days. You can do whatever you want on that day, and in my case, it'll be sitting on the couch in pajamas, watching TV and eating some unhealthy snacks like chips. Most people will spend it partying with friends and family and doing stuff together. And then, they will count from 10 to 1 like if a rocket was starting, and then fireworks explore, and dogs are scared. Afterwards, people will start to go home. And then you can't sleep the whole night because some idiots have too much fireworks and firecrackers, which is also a problem the whole winter.

I've never had high blood pressure before. At my appointment Monday ( 33 1/2 weeks ) they said I have high blood pressure 145/98 and were surprised. Also said I have protein in my urine. They sent me to the Hospital to do a 12 hour urine test. However they sent me home saying I had a UTI. Now I'm on antibiotics and a blood pressure pill and have to do a 24 hour urine at home on Sunday.
I bought a Blood Pressure Monitor and my lowest reading so far was 148/97. Average is 150/100. Since this morning it's been 160/108.
I'm 34 weeks today and plan to call the doctor when they open. Did this happen to anyone else? Does it always mean Pre Eclampsia? My ankles, feet and fingers are swollen. Sometimes bad migraines and dizziness. I've been getting shorter on breath and have Braxton hicks contractions. It's getting so much harder at work, I work at a warehouse. My manager is not happy that I have to keep leaving for appointments. Is there any chance of being put on bedrest or induced early? I've been very active despite gaining a lot of weight (first pregnancy and I don't feel like I've been eating a lot more) but now it's getting very hard to even walk at a decent pace.
1 month ago I got very sick and had high levels of Bile Acids and the doctor was saying I probably have Choleostasis. But then my blood tests came back totally normally 2 weeks later. Is it possible this is just another temporary thing?

It's cold. But when it's winter it must be cold. And that's the problem. You either have to pay for heat or get tired with getting coal or wood, starting the fire and checking it doesn't spread. Going out is a torture. You have to put in a dozen layers of clothes. Underwear, pants, short-sleeved shirt, long-sleeved shirt, sweatshirt, boots, neck warmer, hat, gloves. To go out to a shop that is on the ground level or just around the corner, you need all this wearing and getting tired. Winter clothes are heavy, limit motions, sometimes even visibility, and are hard to put on and put off. So buying those is hard and even if you do, then they're hard to walk in. Summer and spring don't have those problems, because you can put on clothes for outdoors and indoors, just change boots and you're alright.
And winter is such a great time to get sick. And the worst thing is having a stuffed nose and have to breathe with your mouth, with this cold air. Throat damage guaranteed, plus this pain in the face from the cold air blowing in your direction. Summer and spring don't have such problems. And winter has the highest amount of deaths of all the seasons. I literally got a frostbite because I touched snow with my bare hands because I didn't have gloves on them. And if you're healthy and put on the clothes, there's another problem.
Getting around. Most of us are rich and have a car and can drive wherever they want. But if you can't, you have to use public transit. I don't have anything about just using it or the fact of the existence of public transit, but the quality of those in Poland, where I live, leaves much to be desired. You have to wait, in cold. In a city this isn't a problem as big as in the rural areas where buses function. These are often coming only in early mornings and in early afternoon, but even if they come more often, they often are late. And no matter the location, you often have to stand, and even if you find a seat, you can sometimes smell people who don't shower very often. Trams, trains, metros and buses are often heated, like most indoor places, we'll get to that later, and people coming there in winter are usually in jackets and sweat in those vehicles, especially considering how crowded they often get and how warm those crowded people are. You'll sweat like a construction worker after 8 hours of work during a heatwave. And driving doesn't save you from the effects of winter. You have to scrape snow from your car, the engine can not start or the visibility is low and roads are blocked or icy, you can skid easily and crash into another car, a pedestrian, a pole or a tree. Walking does neither. If snow falls, it's crushed by people walking, melts and freezes again, and or forms ice on the sidewalk. And you can slip on it and either break something or die. Each time I walk on it, I think I'm gonna die. Either i slip on it and land on a spiked fence, I land on the sidewalk and break something, or I land on the street and get run over by a semi truck or a car. If you manage to get to your destination, there's another problem.
All the buildings are heated, so if you're in winter clothes, you're going to sweat like a construction worker after 8 hours of work during a heatwave.
It's dark half the day. You go to work or school, dark, you go back, dark. And the other half it's cloudy and grey. And the whole world dies. No leaves, no grass, no flowers, some animals hibernate, just grey, cloudy skies and white brown combination of snow, soil, water and mud. No sun. Sure, there are Christmas lights but let's face it, they are only to hide the grey and dark.
It's a hard time for students. The semester ends. You have to pass everything. They throw a lot of tests and quizzes at you. You will tire yourself to death.
Winter sports and games. Snowballs. I hate snowballs. Even if the person who throws one is someone I like. Usually, I take it easy, but in my mind, I hate it. Ice skating. I can't do that because the nearest lake or skating rink is too far away to walk. I could afford that, but I would need to wear all those clothes, get on the bus, ask my parents for approval, get back. No way. Skiing. I live in a city surrounded by forests and farm fields. No way. Sledding. Those are easier because I have some hills in my neighborhood, but going out, taking the sled, going back. Nope. Snowman. Going out. No.
And there are, CHRISTMAS IN WINTER. I'm fed up with them. Literally a few days after Halloween and All Saints Day, all the shops and malls are decorated, and Christmas songs are playing on the radio and Christmas commercials on TV. "Last Christmas, I gave you my heart...":“Christmas promotion! Bone carp, only 21.37 per package or a withered Christmas tree, 69.69 each plus delivery for 3.21. Holidays for Christmas, Old Zealand, 666.66 both ways. Christmas loans, only in Pierogi Bank Polski." Don't take Christmas loans, that's the stupidest thing you can do in that time of the year. They're still up everywhere, wherever I go, whatever I look at. Until the day finally arrives, December 24, when you are completely fed up with it. And it's not like I hate Christmas. Christmas in their current shape and theme are asking for dislike. You want to get up, leave, and come back when all this madness is over. But it's nice that we have time off and we get presents and meet our family. In the summer we have more free time, and on birthdays and name days we also get gifts and meet our family. But always something. And then there's another holiday.
New Year's Eve and New Year, when humans celebrate Earth going around the Sun once again, while nothing besides it happens in nature and humanity on those two days. You can do whatever you want on that day, and in my case, it'll be sitting on the couch in pajamas, watching TV and eating some unhealthy snacks like chips. Most people will spend it partying with friends and family and doing stuff together. And then, they will count from 10 to 1 like if a rocket was starting, and then fireworks explore, and dogs are scared. Afterwards, people will start to go home. And then you can't sleep the whole night because some idiots have too much fireworks and firecrackers, which is also a problem the whole winter.

This situation is kind of complicated and my google searches aren’t super helpful so I hope someone here can maybe help me! So, I am 23 years old, going into my first year of law school this fall. Like most people I don’t have a massive savings account or family funding my law school education so I’ve resigned myself into taking out loans through FAFSA and the like. I did receive a $5000 scholarship that will help with my tuition a bit. Through FAFSA I have received the maximum $20,500 unsubsidized loan for my education, but that is not enough to cover the rest of my tuition or other expenses, so I have applied and been approved for a Grad PLUS loan to help cover the rest of tuition and my living expenses since I cannot work full time my first year. The PLUS loan will only cover up to what my university has determined is the cost of attendance, and for living expenses they have only allotted about $17,950 for the year. I will be attending school in a major city where living on campus is not a safe option and studio apartments are coming in at about $1,000 minimums. (Side note: I have considered a roommate but I don’t know anyone in Houston and getting a random roommate makes me a little uneasy, and for my first year living by myself would be better for my health and academics) I have a 529 account that was set up for me by my godparents that I have a fair amount of money left in. My question is, am I able to 1) use the money in that account to help pay for an apartment? 2) will using that account affect my Grad PLUS loan amount they give me? 3) can I use that money as a lump payment on an apartment and if so how do I do that?
This is so long and I’m so sorry, but if anyone has advice please let me know! I found lots of info about 529 accounts and Grad PLUS loans separately but not how to use them together.

I've never had high blood pressure before. At my appointment Monday ( 33 1/2 weeks ) they said I have high blood pressure 145/98 and were surprised. Also said I have protein in my urine. They sent me to the Hospital to do a 12 hour urine test. However they sent me home saying I had a UTI. Now I'm on antibiotics and a blood pressure pill and have to do a 24 hour urine at home on Sunday.
I bought a Blood Pressure Monitor and my lowest reading so far was 148/97. Average is 150/100. Since this morning it's been 160/108.
I'm 34 weeks today and plan to call the doctor when they open. Did this happen to anyone else? Does it always mean Pre Eclampsia? My ankles, feet and fingers are swollen. Sometimes bad migraines and dizziness. I've been getting shorter on breath and have Braxton hicks contractions. It's getting so much harder at work, I work at a warehouse. My manager is not happy that I have to keep leaving for appointments. Is there any chance of being put on bedrest or induced early? I've been very active despite gaining a lot of weight (first pregnancy and I don't feel like I've been eating a lot more) but now it's getting very hard to even walk at a decent pace.
1 month ago I got very sick and had high levels of Bile Acids and the doctor was saying I probably have Choleostasis. But then my blood tests came back totally normally 2 weeks later. Is it possible this is just another temporary thing?

Looking for someone who knows the ins and outs of what happens when you place an offer.
We are looking to place an offer in the next few days and it needs to be unconditional. We have had a building and pest inspection done, and are pre approved for finance for more than our offer will be.
What’s happens when/if our offer is accepted?

• How much deposit do we need to make and when? We have a 21% deposit but from what I’ve read do we not pay the full 21% up front? It seems most says 10%, does that mean we will pay our other 11% at settlement?
  
• How long does finance usually take to be formally approved?
  
• What else do we need to get done once an offer is accepted?
  

I’m feeling super stressed about the whole process.
Thanks!

I watched a video where this was discussed and I got curious.
In my country, if you don't like something about your home eg. the wallpaper sucks, walls are wrong color or if the door frames are old you renovate it yourself. The same applies for if anything breaks. You just buy the materials and tools and fix it yourself. And usually you don't even have to buy tools as you can loan or inherit the tools used by your parents. I think every household has a toolbox full of everything you need.
Many people also have dreams of buying an apartment or cottage and just renovating it to have their retirement days in.
Does your country have this kind of culture?

So, umm, hi. I'm here (again). Great intro, eh?
- First, the post flair. Platonic and intimate aren't necessarily mutually exclusive (for me) since I can have an intimate relationship with a platonic friend, and I can also be intimate with someone without being sexual. Both can mean sex-free/less, but there's a part of me, although covered, who still wants to keep it open for that (the physical touch) in the future. I'm seeking, at the very least, someone with whom I can be my true self in a safe and accepting environment, and that requires a level of intimacy beyond the definition that either of these flairs encapsulates. But that's me... a stickler for word definitions, giving them room for nuance and interpretation, whilst also understanding that the words we choose can be quite impactful.
- That segues seamlessly into my second point, the "A" in looking for "anyone" is for NB, M, or FTM. I am looking for someone with the potential for something beyond an emotionally and intellectually connecting relationship, though it's not my first or even second priority. I just want there to be a possibility.
- My third point, if you identify as F and find yourself connecting to my words in a way that you feel compelled to reach out and communicate? Please do. I'm all for following someone's rules and guidelines, and I also know that I need to leave room for that nuance I mentioned. It's not easy for me, and I still know it's necessary I at least try.
On that note, I'm here, trying. Here's a bulleted run-down of the woman behind the words:

• This is my 18,036th username.
• I sometimes exaggerate (the quantity of) things.
• I love parenthetical expression (it just works); most punctuation can help me get my point across without ever opening my mouth.
• Laughing and cannabis are truly my best medicines, and I have a prescription for one; the other just needs more cowbell.
• If you can't talk comedy, we won't connect in the way I am seeking. It is in my veins. When I say "talk comedy", I mean I weave humor throughout my serious messages, I bring up comedians ALL THE TIME, I love watching and discussing stand-up specials, I listen to comedy podcasts (mostly Smartless and Conan), and I believe that in another life, I was a comedian because I just relate so much to so many comedians.
• On the note of relating, I'm Autistic. The spectrum isn't linear, it's everything and everywhere. I do have strengths. I just also have a lot of weaknesses. Additionally, I also suffer with ADHD. However, because of the other alphabet diagnoses I have (C-PTSD, MDD, GAD, and BordPD), ADHD medication didn't help me when we tried a couple of years ago, it made everything worse. So, see above, laughing and cannabis are the only things that give me relief. Keep in mind, though, I live with suffering daily. There's no "fixing" or "curing" me. If you aren't comfortable with a highly emotional, intense, angry, passionate, believe it or not, kind, f'ed up woman, then, well, that's okay... I wouldn't be either. :D Just maybe don't reach out as we'll both end up super disappointed.
• Oh, did I mention I'm also agoraphobic? I mean, come on, how are you not pushing "send message" already? The figurative line will be around the door once I press post, I'm sure of it. (But seriously, I have mild/moderate agoraphobia that was activated by the pandemic, then the protests after George Floyd, then the Jan. 6th insurrection, then the anti-progress movement, and of course, as a Jewish person, seeing Nazis disguised as Conservatives just pretty much running things because they have the most money for some f'ing reason. Ugh. I don't trust anyone anymore. I don't have friends. I haven't spoken to a family member in more than two years. I haven't had a hug in two years. I haven't gone out for entertainment in 3.5 years. I am essentially still living like some did in April/May of 2020... so, yah, it's bad.)
• But I'll refer back to my initial opener and repeat, "umm, hi. I'm here (again). ".
• Okay, I'm back.
• I love football (NFL) and have become a decent baseball fan in the last 7 years. Football has been a part of my life since I was 13 years old. It's a toxic place (nfl makes me want to punch air), but I can't stop because it's a part of my core, my special interest. If you know anything about Autism, the one thing that pretty much remains consistent is that a special interest can be a life saver! Also, though, many of us become hyper-focused (especially us ADHD people) and only be able to talk about that one thing. It's annoying to me, and it's also me. :D If you can relate to that, maybe we have a chance to connect. I'm a values-based person, so it sometimes pains me to know that one of my core interests goes against a lot of my core values (safety, duh). It's one of those both/and things for me... Like how I know I love someone and also hate them. What do you think about that theory? That love and hate are separate between a thin line... (philosophical talk around psychology and human behavior is a big interest of mine.)
• Where was I?
• Oh yah, I play fantasy football and baseball. I love it. I focus on it almost year-round.
• Cats. Period. (I am a silly lady who talks to them in a very specific cat voice, but also, that voice is used to talk to birds, squirrels, bunnies, spiders, bees, and the little gophers that live under the houses around here.)
• (Side note: I'm an omnivore, and also an animal advocate. If you can't handle someone both/and, well, that's okay, I can't handle a lot, either, so I get it. It's one of those things where removing a food group from my diet would be more harmful to me, though I fully subscribe to moderation and not eating animal products for every meal; the corporate world has tried to make us lowly citizens think we have any real "carbon footprint", but someone I met through here reminded me that's just capitalists trying to blame us so they can charge us more for "eco-friendly" shit that's probably not even eco-friendly. Ugh. Where was I?)
• Oh yah...
• Back to the agoraphobia for a second... I'm a fear-based person. Not because I want to be, I just am. I'd love to find more peace, and right now, that's not the case. However, I used to socialize. I did. I have pictures to prove it. I sometimes like to reminisce in what I used to do, but I don't do anything I used to. My identity crisis is real, and I get frustrated about it, often. I retreat. I avoid. I get defensive. And, then I reflect and try be as self-aware as possible while not projecting onto you, the proverbial you. Constant communication is necessary. If I say, "I'm having a bad day," and your reaction is to wait until I'm feeling better? Then, I'm not for you (or you're not for me?). I need someone who will figuratively sit with me through those bad days, even when I say, "I don't want to talk". I need someone who can be there, even if you're only there on the other side of the screen and you say something like, "I know you are hurting today. I know you don't want to talk. I know this is hard. I am here for you. You don't have to feel better, and I'll still be here. If you want to yell, cry, or do nothing or everything in between, I'm here." I say that in such detail because I know what I need, but oftentimes, I can't ask for it in the moment when I need it, if that makes sense? My ex-husband ended up feeling like my needs were unreasonable (I was with him before my diagnoses, so to him, I was just going to therapy and "not getting better"), and I was doing what I was taught, to ask for what I need, and he, along with many others (I read people's lists of red flags) thought that I shouldn't need so much.
• Well, I do.
• (Side note: I'm not pining for my ex; we've been apart for four years, but it was the last relationship I had, and I believe in learning from experiences and those lessons need to be communicated. If you can't handle someone talking about a previous relationship here and there, that won't work. A lot of my memories directly pre-pandemic are with him, so it will come up from time to time. I assume you've had relationships, and I'll want to hear about them, too! I just don't do ex-bashing. Not cool. I loved the guy, and he doesn't deserve all the blame for our relationship ending, and I know your ex doesn't, either.)
• I own an old home that's worth less than a lot of people's cars, I assume, and I'm not handy; you being handy would be the best thing so I could ask you about all of the things. :) I also own a cheap EV that doesn't go very far, but is there when I need it. I'm a pretty poor person who lives in poverty, but makes it work because I'm a fucking survivor.

You know, I think that's a great place to end this random list of words. I've posted here over the last few years, responded to posts, and sometimes I include a picture, but I'm not going to this time. It makes me upset not to share in advance, but I also think that I tend to get responses from people who didn't read my post and just looked at my picture. I want to be attracted to you aesthetically and vice versa, I just don't want you to see the aesthetics first and forget about the words. My outsides don't match my insides. My outsides are what contributed, I'm positive, to my Autism going undiagnosed. I'm partially disabled, but you can't see my disability unless I show it, and believe me, this entire post? That's me showing it a little...
On that note, I'll bid you adieu. Please think before reaching out. I mean it, if you are someone who is just looking to chat with someone out of boredom and are nowhere near the CDT time zone, please spare us both. Potential future meeting is something I know I want. I haven't done it yet, but man, that's the goal.
Okay, seriously, I'm going now. For real...
But wait, don't go yet, I prefer PM's than chat. The Reddit app sucks, and chat isn't on 3rd party apps, plus, I like the long form communication of a PM than a live chat as that seems more casual? I don't know. That's me. Perhaps one day we could move off here, but for now, PMs are my preference.
Okay, bye.

Soo for anyone who is looking for a loan… you just need to have an approved employer. Your payments come straight out of your paycheck. My first loan was 2,000$. My credit score is trash.
https://lfa.bmgmoney.com/ar0527-da-1
PM me for more info

Are you planning to write a guest post on “used car finance” but are stuck on the title? Crafting a compelling headline is essential to grab the reader’s attention and encourage them to read your post. However, coming up with a unique and creative title can be a challenging task. In this article, we provide you with a list of catchy and engaging title ideas that can help make your post stand out.

The Importance of Choosing the Right Used Car Finance Option

When it comes to buying a used car, the financing used car loan options can be overwhelming. Choosing the right used car finance option is crucial in ensuring that you get the best deal possible.
First, consider your credit score. A higher credit score will make it easier to get approved for a loan with a lower interest rate. If your credit score is low, consider working on improving it before applying for a loan.
Next, shop around for the best interest rates and terms. Compare offers from multiple lenders, including banks, credit unions, and online lenders.
Consider the length of the loan and your monthly payments. A longer loan term will result in lower monthly payments, but you will end up paying more in interest over time.

The Benefits of Financing a Used Car

Financing a used car is an excellent way to make a significant purchase without breaking the bank. While buying a car can be a daunting experience, financing a used car can make it more manageable. Used car financing has several benefits, such as lower monthly payments, lower interest rates, and more flexibility in payment terms. Additionally, it enables you to purchase a higher-end model without having to pay full price. Moreover, you can save money on insurance costs and registration fees. Therefore, financing a used car can be a wise decision, allowing you to own a reliable vehicle at an affordable cost.

Situation: I live in Northern Europe. 6k savings Own a home House value market value is around 280K Mortgage left on it is 109598 1.37% interest Student loans 43385 in debt 0% interest until 2024. Afterwards it goes up to ~0.5%
I have about 1500 euros to spend after car, house, grocery and going out to dinner payment.
How do I spend this money to better my financial situation?

Here's a great story about an entrepreneur crushing it an unglamorous, unsexy industry: porta-potty rental.
Pooping is a great equalizer. No matter who you are — you, me, the King of England, the President of the United States, and the person who does the President’s dry cleaning — at some point in the last day or two, we’ve all had to sit down and perform this most basic of bodily functions.
(If you haven’t, please see a doctor urgently, or at the very least, eat more fibre.)
And when people have been doing something for thousands of years — eating out, building homes, swimming, watching plays, and yes, pooping — there’s probably a profitable business in that niche.
That brings us to Gary Mead, the poop millionaire of Chelmsford, Essex, here in the UK.
Gary has built Euroloo, his porta-potty rental business, into a company with revenue of about £9m and profit of £1m. Renting porta-potties.
How has he built this business?
Origins
Gary’s story begins in the late 90s. At the tender age of 22, he started a small property management company in his home town of Chelmsford, Essex, about 30 miles northeast of London. According to his LinkedIn profile, he grew it every year for five years in a row, achieved profitability, and sold it. A successful exit by the age of 27 — not bad at all.
Possibly just to prove it wasn’t luck, Gary then started a small property management company in his home town of Chelmsford, Essex. He grew it every year for three years in a row, achieved profitability, and sold it. Again.
(If you take nothing else from this post, learn this: if Gary Mead ever sells you a property management company, make sure you include a non-compete clause.)
As a result, at just 30 years old, Gary had two successful exits under his belt. Likely holding some capital and a well-earned degree from the University of Hard Knocks, Gary scouted around for the next chapter in his career.
What next for this intrepid entrepreneur? Go for the property management three-peat? Start a SaaS business? Rest on his laurels and start a coaching business?
Not for young Gary. No, Gary saw his future paved with brown gold.
In 2003, Gary Mead founded Euroloo. Euroloo rents porta-potties to you, for a fee, including drop-off, pick-up, and weekly servicing.
This is what Mike Rowe would call a Dirty Job. When these porta-potties are dropped off on site on day one, they’re clean. When they’re picked up again on day seven, they are not. Someone has to make them clean again before renting them to the next customer.
That’s both a blessing and a curse. It’s a curse because, you know, you have to clean up poop. For more detail on this subject, check out this article from the wonderfully named company Poles and Holes:

“A good pair of gloves and a spray bottle full of cleaner is all it really takes to keep a porta-potties looking like new!”

It’s a blessing because grads from Harvard Business School and the LSE don’t want to go into this business. It’s not glamorous, it’s not sexy, and you probably don’t get admiring looks when you talk about it at the dinner table.
That’s great, because you don’t want to be competing against HBS and LSE grads. You want to compete, as Nick Huber says, with the type of person making a lot of money and using a fax machine. You are more likely to find those people in an industry like porta-potties. And with some smart use of technology, you can out-compete them.
SEO works with poop too
Euroloo are doing a couple of things you don’t usually see from companies in industries like this.
Firstly, they’re putting time and money into paid search. If you google “portaloo hire [city]” you’ll see them come up (at least in the UK). I did this for my city, Nottingham, and Euroloo are #2 in the sponsored search results, and they’re also #2 in the organic search results.
If I click through on mobile, I’m taken to a landing page, that includes the city name, and a phone number with a local area code.
But wait! If I google “portaloo hire Manchester,” they’re the #2 sponsored result again. If I click through, I’m taken to a different landing page, that mentions a different city, with a different local phone number, which makes them look like a local Manchester business.
This is a level of tech and internet marketing that you honestly just don't see it blue collar industries like this. Definitely makes them stand out. And it's not that hard to do either.
Is there money in porta-potties?
Short answer: yes.
Euroloo are based in the UK so a lot of their company financials are public info. I dove into Euroloo’s financial statements to see what I could learn.
They don't publish a full P&L because they're so small, but their retained earnings -- i.e. the total cumulative profit in the business -- went up by £871k in 2022.
That means that after any dividends paid, Euroloo made £871k profit.
The UK corporate tax rate is 19%, and £871k is the after-tax profit, meaning the pre-tax profit must be £1.075m.
I also estimated their revenue based on the accounts receivable. Euroloo are selling to trade customers, probably on credit terms, so those construction crews and event management teams are paying for their porta-potties after they’ve used them.
On 31st March 2022 they had £422.8k outstanding in accounts receivable. That includes 20% VAT (UK sales tax) that they can’t count as revenue, so if we strip that out, we're left with a figure of £352k.
Guessing that their customers are on 14 day credit terms, then you do 352k / 14 * 365
= £9.2m annualised revenue.
Lastly, just for fun, I got a quote from Euroloo to rent my own porta-pooty.
The minimum rental period is 4 weeks at £195. That works out as £48.75 per week.
If their revenue is around £9.2m and each toilet rents for an average of £48.75 per week, we come up with a total of 188,438 toilet hire weeks per year.
I'm guessing each toilet is in use 90% of the time to account for time spent picking up, cleaning, and delivering. That means they need about 4000 porta-potties.
Their financials say they've spent £3.2m on fixed assets, which means each toilet costs around £800 each.
This also tells us that the real business here isn’t buying expensive assets and renting them out. Porta-potties are about £800 each, and you can rent them for £48.75 a week. Your payback period is less than 6 months.
So this is really a logistics and distribution business. The trick here is making sure that your 4,000 porta-potties are on site, earning income, as much as possible.
The secret sauce
So our master of poop, Gary Mead, has a business with around £9m in revenue, a fleet of around 4,000 portaloos, netting him at least £900k a year, while employing 93 people in the process.
What I really love is how Gary describes the secret sauce. The engine of growth. It’s word of mouth and repeat business. How do they drive that word of mouth? What ensures their incredible reputation?
Gary's LinkedIn page simply says:
We want our customers to recommend us to others and to use our services time after time because:

• It’s easy to work with euroloo
• We deliver and service as promised
• We are friendly and customer focussed
• Our people are trained and good at their job

I love the simplicity. These principles are not rocket science. Euroloo is a phenomenal example of, as Charlie Munger says, “taking a simple idea, and taking it seriously.”
So you can get rich following the Euroloo playbook:

1. Pick an unglamorous industry.
2. Focus on operational and customer excellence.
3. Layer in some technology.
4. Keep at it for 20 years.

That’s what Gary Mead has been doing since 2003. Over that time he's built an incredible business worth millions that provides a great living for him, his family, and his team. I love to see it. Anyone could do this. It’s not easy, but it is simple.
​
(if you want more detail, check out this post, which includes a bunch of figures and screenshots I couldn't put here)

Soo for anyone who is looking for a loan… you just need to have an approved employer. Your payments come straight out of your paycheck. My first loan was 2,000$.
https://lfa.bmgmoney.com/ar0527-da-1
PM me for more info

I have a savings with NFCU but want to switch it to capital one HYSA, but I’ll be needing a car soon and want to try and go threw NFCU. Does them seeing I have money in the savings help my chances of getting approved?

After remaining invincible and impregnable for centuries, the mighty Pir Panchal is witnessing enormous developmental activity for a new expressway, a challenging railway line and most of the dam-fed hydropower projects involving an investment of tens of thousands of crores. At places, this is triggering the fragile range to cave in at the cost of homes and livelihoods of age-old villages, a situation that experts believe could have been avoided with better pre-feasibility studies and sophisticated project implementation, reports Masood Hussain
Anticipated for years, finally, the increased incidence of land subsidence and sinking in the Pir Panchal Mountains is Jammu and Kashmir’s new normal. The young fragile and unstable mountain range separating Kashmir from the rest of the world is in news frequently as the slopes housing small habitations for centuries are caving in.
On February 19, 2023, around 16 structures of Duksar Dalwa (Duksar Dal), a hamlet almost 45 km uphill from Ramban, suffered serious damage as the land caved in. It crippled road connectivity between Gool and Ramban where almost 500 meters developed cracks, tripped the electric supply and snapped the water supply. Three homes developed cracks forcing authorities to shift the impacted population to safer areas.
Officials said while they are working overtime to resume power and water supplies, they are also improving the Dharam-Salballa road to make it an alternative supply route to the “literally disconnected” area. In the sinking village, the official encouraged the residents to move swiftly to safer spots. For residents, however, the gradual 3-day sinking was a painful watch of their life earnings slowly cracking up and becoming black holes over hills.
It started with a crater that widened to almost 500 meters during two nights, making almost everything around unsafe, unstable and life-threatening. A mosque, Darsgah, the village seminary and the village graveyard were destroyed. Residents quickly exhumed a recently buried body and laid it to rest at a “safe” place.
Officials who visited the spot said the village’s agriculture fields were rendered useless, pushing residents into poverty. They lost homes and their livelihoods too.
The Duksar erasing came less than a fortnight after Doda lost a cluster of houses to a similar instance on February 3, 2023. Located on the foothills on the road to Kishtwar near Thathri, nearly 35 km from Doda, the volunteers, residents and government officials had to quickly shift 117 members of 19 families as the patch of slope housing the Nai Basti cluster gave in within three days. A total of 21 structures cracked and became unsafe.
Horrific Tunnel Collapse
The last horrific tragedy took place on May 19, 2022, when the workers were digging into an adit (minor access to the T3 tunnel) near Khooni Nalla at Ramsu’s Makerkot area. It collapsed over them killing ten workers including two local residents and eight Nepalese labourers. The tragedy struck during the day amid incessant rain but still, only two persons could be rescued alive.
The workers were on the challenging stretch of the national highway between Digdole and Khooni Nallah, which is otherwise notorious for frequent landslides and shooting stones due to fragile geology. It was part of the twin-tube tunnel that would connect Digdole to Panthyal and was implemented by Ceigall India Limited in a JV with Patel Engineering Limited. (The contractor has been imposed a heavy fine.)
The National Highway Authority of India (NHAI) that has taken over the Jammu Srinagar national highway from Border Roads Organisation (BRO), a few years back, is constructing at least five tunnels to bypass the highway’s 3-km “killer’’ stretch from Panthyal to Makerkote. Tunnel T3 is part of this intervention.
Unlike the rest of the highway, the 36-km Banihal Ramban stretch has been the most challenging one and that is why it is still under implementation. On this stretch are six “killer spots” located on a 14-km road stretch and NHAI intends to spend Rs 2000 crore to manage this. Implementation of this would offer some safety from frequent halts owing to shooting stones at Marog, Panthial, Digdol and Battery Chashma.
Triggering Instability
Implementation of these projects is triggering crises for the localities living around them. As many as 13 houses in Sujmatana village near Ramsu were literally devastated. The round-the-clock blasting for the tunnel projects and cutting work made these houses inhospitable after they developed cracks. Most of them have left their unsafe homes and migrated elsewhere. Though officials are looking into the crisis since 2017, it is yet to be settled.
On August 4, 2022, 36 families had a providential escape when their Bassan village in Reasi became the casualty of sinking and erosion at the same time. Without any notice, landslides carried down boulders and muck that crashed the houses and put the agriculture fields out of sight. It was so abrupt, villages said, that they had no time to take their belongings along.
Officials admitted that almost 60 kanals of land sank as another 400 kanals patch was rendered useless. Almost all the fruit trees, mostly walnut and apricot, were engulfed in mud. Almost 200 meters of a PMGSY road was also downthrown by around 25 meters from its actual alignment.
The earlier worst case was reported from Dalwas when on March 28, 2020, the residents fled when their homes and fields were literally buried by landslides. Almost 40 households were impacted.
The village has been there for ages and never experienced any such threat. Then one day it literally disappeared. Residents alleged that being away from Srinagar and Jammu, deep into the mountains they hardly were reported. At one point in time when they wanted to protest, authorities invoked Covid19 concerns to prevent it.
Response Protocol
Over the years, the government response has remained unchanged. Once the reports land that spots are sinking, they as the first quick reaction, send cops, paramilitary, SDRF and revenue officials to oversee and, in most cases, extend help in quick evacuations. In stage two, the respective Deputy Commissioner writes to geologists and the Department of Geology and Mining and, off late, to the Geological Survey of India, who rush their experts to these spots. In the subsequent few days, they study the local rock formations and submit reports, part of which goes to newspapers and by and large the files get closed.
At the same time, files start rolling about relief and rehabilitation. It takes its own time. In many cases, people who lose their homes and livelihoods are yet to be properly rehabilitated.
Invariably, the policymakers and the administrators avoid two vital ingredients of the story – the assessments that the local populations make about the crisis they land in and the wider angle that remains unchanged across the Pir Panchal range.
Resident Assessments
Affected populations are unwilling to accept that these crises are natural. They see them as man-made disasters. Raqeeb Wani, a former Sarpanch of Daskar Dalwa told The Telegraph that his village’s erasing is directly linked to the construction of two railway tunnels downhill, that would link a 3km rail track between Sangaldan and Chaddi. He attributed it to the “continuous blasting” that loosens the soil and adds to the instability of the mountain.
“A few years ago, we had a similar disaster in Sangaldan a few years ago when an entire market caved in,” Wani was quoted as saying. “That also was owing to the railway project.”
In the case of Dalwas, for instance, a former lawmaker from Ramban Ashok Kumar Dogra said the “unscientific planning” of the widening of the national highway is responsible. “The highway authorities started excavation of the road from beneath the village without raising any wall on the side of the village. As no concrete measures were taken by the NHAI to protect the village and debris was also disposed of at the same place, the tragedy was bound to happen and the houses collapsed and the village sank,” Dogra told Outlook. “I will not call it a natural disaster. It was the unplanned construction that destabilised the soil of the whole area, leading to its sinking.”
Right to A Road
Pir Panchal mountain range has remained literally invincible and technically impregnable for centuries. It took decades of thought process and a lot of resources to lay a foot track between Jammu and Srinagar, to have an alternative to Mughal Road. Known to history as the Banihal Cart Road, it was difficult and always retained by Dogra despots as a private route. It remained inaccessible to people till 1922. Till the Jawahar Tunnel was inaugurated, the road would pass over the Banihal pass, the abandoned remnants of which still exist.
This made Kashmir rely on the Jhelum Valley Road (JVR) as the main highway.
Almost 225 residents from 48 households who somehow survived the tragedy moved to another village and are still struggling to pick the threads of their lives. Though life has returned to the village, they are still fighting for an electric supply line and the rebuilding of the school building.
An Upcoming Railway
The road is just not the only thing that is happening deep inside the Pir Panchal mountain range. While the road is being upgraded, there is a railway project in an advanced stage of implementation.
Unlike the road that is being laid over the foothills not far away from the old alignment that also followed a foot track of the eighteenth and nineteenth century, the railway track is passing through a virgin area, part of which has not seen even a bus. For making rail reach Baramulla from Udhampur, the 272-km project is going to cost a whopping Rs 37012 crore of which more than ninety per cent has already been spent.
Work on JVR started in 1880 and was formally thrown open in September 1890, when Maharaja Partap Singh was driven through from Baramulla to Kohala. The construction of this gigantic road project was implemented by a major British Indian contractor M/S Spedding, Mitchell & Co and was overseen by different British engineers at different stretches. While General de Bourbel oversaw everything as the Chief Engineer Kashmir, it was Alexander Atkinsonmanagedmost of the road up to Chakoti (on the other side of LoC now) and a few parts on the Kashmir side; Farrant was in charge of construction between Chakotiand Baramulla; as EG Hebbert supervised its completion in November 1889. Resources apart, it cost too many lives. Between Chakoti and Baramulla, 54 Pathans were killed in four years. Besides, 20 lives were lost to snake bites.
Post-partition, the Banihal Road became arterial and pressure built with a surge in population and demand in Kashmir. For seven decades, this road bore the brunt of all the pressures of travel, demand and consumerism and gave in. The rise of the Kashmir apple added another pressure factor so did the security requirements.
Finally, a stage reached that the health of the national highway was directly linked to the economic well-being of Kashmir. This paved the way for the decision by the Government of India that distances need to be reduced and the highway must be improved so that commuters do not end up spending a day on a 300-km highway.
More than a decade after the first spadework, it is emerging as one of the best roads. There are three major tunnels that have skipped dangerous patches while reducing distance and uphill driving: a set of four small tunnels near Nandni with a combined length of 1.4 km; 9.2 km Chenani-Nashri tunnel has bypassed a gruelling uphill drive and 8.5 km Banihal-Qazigund tunnel is going to tame dangerous Banihal Pass forever.
Distance has dropped from 300 to 270 km and the travel time from 12 to around 5 hours. But the Banihal-Ramban stretch remains a challenge. Earlier, it was merely a technological crisis, now it is a serious ecological issue.
These villagers were fortunate in comparison to the Sadal hamlet of Udhampur which was buried under a massive mudslide at noon on September 6, 2014. Following incessant rains for many days, it triggered massive floods in Kashmir and the rest of the erstwhile state. As many as 41 residents from 65 households were killed by the wee hour mountain collapse that brought an almost 30-foot-thick blanket of rafted rock fragments mud, sludge and rubble.
The rail is already chugging between Udhampur and Katra (25 km) since July 2014, Baramulla to Qazigund (118 km) since October 2009; and Qazigund to Baramulla (18 km) since June 2013. This leaves the most challenging stretch of 111 km between Banihal and Katra to be implemented.
However, the cost of the track does not define the project. It is the work that details the challenge. Nearly 119 km of the entire track will pass through 38 tunnels, the longest of which is 12.77 km long.
What is interesting is that in the 111-km Banihal – Katra track, 97.42 km are tunnels and most of the rest are bridges. Railway officials have to do 163.82 km of tunnelling in total – 66.4 km are escape tunnels – to make the track possible. For making these tunnel spots accessible to men and machines, there is a network of 205 km of roads, which remain busy round the clock.
This track will have 37 bridges – totalling 7 km in length, including the iconic Chenab Bridge, which is tipped to be the highest railway bridge on earth. While this bridge is ready, the current focus is on the first cable-stayed railway bridge on Anji Khad.
With thousands of people working deep inside the mountains with basic cutting and blasting machinery a lot of activity is generated.
There were dozens of instances in which the portions of various tunnels collapsed resulting in either changing the alignment or repairing the damage and restoring the tunnel. In July 2006, an almost 3 km long tunnel on the Udhampur-Katra track gradually started sinking after massive soil swelling on the two ends making it unusable and thus delaying the project. Northern Railways later hired an Austrian consultant, Geo Consult International (GCI), to salvage the project after many years of delay. The causes of the damage were visible to even the then Chief Minister, Ghulam Nabi Azad, who said he saw “a river flowing under the tunnel”.
A number of tunnels between Katra and Sangaldan witnessed “abnormal” water discharge making construction a challenging task. In Sangladan, the managers were shocked when they saw a 500-meter track between two tunnels actually missing one fine morning. Reported in 2006, it destroyed a vast stretch of land on a slope housing as many as 100 structures besides over 400 meters of the road connecting Mahore and Gulabgarh.
In 2016 summer of 2016, authorities shifted 124 families – almost the entire village of Dharam, after the vast patch of land that housed the hamlet caved in within three months. Though the officials attributed it to natural reasons, the residents linked the unprecedented situation to the ongoing work on the railway line passing close to the village.
Oceans In Gorges
Piercing the Pir Panchal mountains for smooth, faster and better communication is just not the only thing happening in the region. Owing to the mighty Chenab, the region is Jammu and Kashmir’s powerhouse. More than 90 per cent of the hydropower potential is restricted to the region owing to the availability of water and enough space to construct dams within the mountain gorges. This has led to a situation where the region holds a massive amount of water in its dams.
The region’s tryst with power generation started late last century with the implementation of the 900-MW Salal power project in Reasi in 1978. The project’s 1.45 million cubic meter dam has created the Salal lake which has the capacity to retain more than 28 million cubic meters of water.
Then came the 390-MW Dul-Hasti Power Project near Kishtwar. It was followed by the 900-MW Baglihar power with 1.8 cubic meters of the dam and an additional reservoir capacity of 39.5 cubic meters – a facility that has created a huge water body in the mountain gorges between Chanderkote belt and Thathri to the extent that certain localities and infrastructures had to be relocated. Quite a few people still live in the highway town of Pul Doda.
The region has many other power projects at different stages of implementation. These include 850-MW Rattle, 100-MW Pakal Dul, 624-MW Kiru, 540-MW Kwar, 800-MW Bursar, and 930-MW Kirthai-II. This is an investment of tens of thousands of crore in mountain gorges on a single river within a river length of fewer than 100 km.
Baglihar is the only project that Jammu and Kashmir’s fully-owned JKSPDC owns. Chenab Valley Power Projects Ltd, a joint venture between JKSPDC and NHPC, India’s hydropower giant, is implementing four power projects – Pakal Dul, Kiru, Kwar and Karthia-II. Salal and Dul Hasti owned fully by NHPC and Ratle is being executed under a fresh JV with JKSPDC in which the latter holds 49 per cent stakes.
Stakes apart, hydropower stations are gigantic projects. These need huge spaces for water storage – even in the case of run-of-the-river schemes, and a lot of tunnelling. All projects have main tunnels, both head race and tail race, and then there are a lot of additional adits and small tunnels for servicing. Even though most of the tunnels and the dams are concrete structures, having such critical infrastructure usually triggers soil erosion and soil swellings too often. The 110-km Batote Kishtwar road has been ailing for all these years. Never in a year could it operate for all 365 days.
Cause versus Consequence?
Science has fundamentally opposed the idea of correlating causes with consequences especially when there is no plausible explanation. In the case of the Pir Panchal region, however, there are striking correlations. For most of recent history, land sliding has been happening around the national highway only. However, in the last decade, land subsidence is a routine and it is happening at all places where developmental activities are going on.
Bhaderwah town and its surroundings are witnessing “region-exclusive” tremors almost every year. In August 2022, there were 21 tremors, reaching up to 3.9 on the Richter scale. Such summer tremors have been there in 2013, 2016, 2017, and 2018. In fact, 2013 was harrowing as the earthquakes touched 5.8 on the Richter scale.
Land patches are caving in at spots closer to some kind of major developmental activity. This is as true with railway projects as it is in road widening projects. Certain spots caved in because works were implemented without a detailed study.
In Sangaldan, for instance, when the railway track collapsed, it was pointed out by geologist Prof GM Bhat that it had been built “on a fossil slide”, which failed to withstand the weight and crumbled down. “We knew it for decades but we were never consulted,” Bhat said. “In this part of the Himalayas, rock types change after every half a kilometre.”
A respected geologist, Bhat insists that developmental activities can take place in any space that is as fragile as Pir Panchal but it needs adequate pre-implementation study and proper implementation mechanism.
“In the four-laning of the highway, the crisis would have been manageable had there been least vertical cuts,” Bhat said. “Impounding so much of water (in power projects dams) within a small patch has the potential of inducing earthquakes.” He insists that the managers of the water projects must ensure better maintenance of the tunnels or these could become a serious crisis in future.
Bhat, however, sees society also going unruly. “In Banihal near the Mahu Mangat side, a hillock is a completely populated town now,” he said. “Has anybody tried to verify where the waste goes? Are we expecting a major crisis in the coming days when the hill will cave in because of seepage?”
The region is a risky belt given its fragile geology. The upcoming railway line is built over three major active geological fault lines: the Main Boundary Thrust (between Udhampur and Katra), the Muree Thrust (between Baglihar and Sangaldan) and the Panjal Thrust (between Digdol and Mahu Mangat). “I never say railway tracks cannot cross fault lines but I believe that had local expertise been involved, extensive fieldwork would have reduced the costs and perfected the alignment”. Entire Jammu and Kashmir is classified as seismic zone-V, the highest earthquake-prone area. CAG has already done a thick report on the resources that were wasted because of the geological surprises that erupted after various rail projects were implemented. Parts of the alignment were changed and completed works were abandoned.
A fault line actually passes through the centre of the Baghlihar dam and most other reservoirs are very close to the fault lines underneath. “A dam burst will be worse than the earthquake itself,” Bhat, who retired recently after heading the University of Jammu’s Geology Department for a long time, said. Interestingly, the area is reporting an increased incidence of cloudbursts, seen as an indicator of climate change. “One major cloudburst near a dam can trigger unprecedented devastation.”
One such cloudburst on July 28, 2021, almost decimated Honzer, a hamlet concealed within inaccessible mountains of remote Dacchan, killing 26 residents. The bodies of almost 18 of the victims were never found.
Many geologists who studied Dalwa fall attributed the land subsidence to water seepage, and extensive cutting of steep slopes. They have suggested a robust urban land use plan, a prerequisite for any activity, especially in hilly areas.
https://kashmirlife.net/o-pir-panchal-vol-14-issue-49-311779/

So maybe against my better judgement I just pre-ordered the F-15E. But I plead to temporary insanity and being a victim of an evil plan of ED and Razbam. They clearly have sent F-15Es from the 48th Fighter Wing to participate in the Arctic Challenge Exercise ( https://ilmavoimat.fi/en/ace23-en), using my home town as their base.
So how could I resist, seeing the magnificent planes almost every day..?

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