The Unexpected Downs of #VanLife

first_imgIt’s so easy to get caught up in the designer blankets, the steaming coffee mugs set in front of incredible beach views, and the starscapes sprawling over delicately lit vans while scrolling through Instagram #vanlife, that you forget you actually have to live in a van to also have those things. There are so many rewarding things about living a nomadic life, but the drawbacks are just as intense. Everyone always assumes the worst part of vanlife is pooping outside, but the downs are much deeper than bathroom jokes. Check out below for some of the unexpected downs of #vanlife.Losing CommunityWhen you pack everything you own into a small metal box and drive on down the road, you have all your THINGS with you, but you don’t have your RELATIONSHIPS. We both left family (and a two-year-old niece that we adore) and friends to achieve this lifestyle. While we are gone traveling, they are hanging out, strengthening bonds, celebrating birthdays, and making future plans. We are missing out on the growth of those relationships. When we come back to our home base, we are the ones that have to make an effort to get everyone in one place and catch up. Our friends aren’t used to us being there, so why would they call us randomly to hang out if we’re never around? It’s absolutely a strain on those friendships that we have been cultivating for years before we left. We miss our friends, we miss our family, and sometimes living this lifestyle doesn’t seem worth the ache in those relationships.What we do have is a road community. We have met so many incredible humans along the way that have become friends we see over and over again. We see them when we visit their cities and camp together at festivals. We have a network of people willing to host us, let us do laundry at their places, and park in their driveway. Thank you!!Losing ConsistencyEvery day is different, which is wonderful. We have no problem with a lack of routine. I think that’s why we do so well in the van. What we do miss is taking classes, having a favorite yoga teacher, and growing skills with other humans consistently. Being on the road for an extended period of time makes it impossible to sign up for a six-week pottery class, or join a frisbee league. Building skills outside of work become a self-reliant responsibility. You have to watch harmonica learning YouTube videos by yourself in the woods, or practice cross stitch while you cruise down the road.Logistics, Logistics, LogisticsEverything is a decision. Because consistency is out the door, and you’re sailing on the wings of freedom, you have to choose where to go, what to do, and how to do it. We have a unique situation where we attend 40 events in an eight-month period, so those create the structure for most of our weeks. But when we don’t have an event to mark as our north-star, we get confused and frazzled. The expanse of freedom is overwhelming. We have to make decisions every minute.Then there are the forced decisions. When the sink breaks or the fridge stops running, and we have to stop everything we’re doing so we don’t get water behind our insulation or have everything in our fridge spoil. There are also logistics for living in a house, but the urgency of vanlife logistics take them to a whole new level.Getting SickThrowing up in a van is very high on our list of things we hate to do. When you’re sick and tired and want to be close to a bathroom, being in a van in the middle of nowhere is the last place that is comforting. We have been sick a few times while living in a van, and every time we either get ourselves to a place where we can be under a roof with a bathroom nearby or pay for a place that will provide those things. When you feel terrible you just want a comfy bed, Netflix, and easily accessible water. Even just having a headache in the van can be miserable when you don’t have the comforts of living in a house. When the going gets tough, living in a van only adds to the tough. If you want to read about our last “being sick in a van” experience, check out our blog post from last year. It was zero percent fun, and one hundred percent miserable!Living in a van has its ups and downs, but we always say the ups outweigh the downs. These examples are just a few of the things we struggle with, there is a whole host of other issues that we face daily. But the freedom (even when you’re making 1,000 logistical decisions) is glorious and the views from the back doors unbeatable.There is one way for this tour to be a reality, our sponsors! Sending a thank you shout out to our title sponsor Nite Ize, and all of our other awesome sponsors that make this happen: Crazy Creek, National Geographic, Sea to Summit, Mountain House, Lowe Alpine, Old Town, Leki, HydraPak, UCO Gear and Wenzel. If you like the gear that keeps us groovin’ click here to enter for a chance to winlast_img read more

HBS ‘neither useful nor suitable’, PensionsEurope tells EIOPA

first_imgEIOPA should stop work on the holistic balance sheet (HBS) or any other type of common methodology as a harmonised solvency framework for occupational pension funds because they “do not work”, PensionsEurope has said.The association made the comments in its position paper on the stress tests the European Insurance and Occupational Pensions Authority (EIOPA) carried out on occupational pension funds (IORPs) last year, with the results announced on 26 January.The paper develops PensionsEurope’s initial reaction to the stress tests, when it urged for caution in interpreting them.It reiterates this view and fleshes out doubts it raised about EIOPA’s use of a common methodology. The stress tests measured the resilience to financial turbulence and increased life expectancy of defined benefit (DB)/hybrid and defined contribution (DC) schemes in 17 countries in the European Economic Area.The impact of the shocks was assessed on two bases, with one founded on a “common methodology” developed by EIOPA, the other on the national balance sheet of the pension funds’ home countries.PensionsEurope was unequivocal in its criticism of the common methodology, which it said was the HBS renamed.The stress test results show the HBS “does not work”, said Janwillem Bouma, chair at PensionsEurope.“EIOPA should not continue to work on the HBS model or any other similar ‘common methodology’ as a harmonised solvency framework,” he added.HBS is equated by many in the European pensions industry with the controversial introduction of solvency requirements for pension funds.These have been dropped from the remit of the revision of the IORP Directive currently underway, but EIOPA will still be giving advice on solvency and the use of HBS.It plans to deliver this advice by the end of March, although PensionsEurope suggested EIOPA may be heading for a mistake.“PensionsEurope is willing to explain its concerns in advance of EIOPA’s publishing the Quantitative Assessment report to help EIOPA avoid taking a wrong path,” said Bouma.The HBS has many shortcomings, involving both fundamental and “severe” practical problems, according to the association.The approach, it said, was “neither suitable nor useful”.It welcomed the rejection in late January by the European Parliament’s ECON committee of the further development of IORP solvency models at EU level, which said quantitative capital requirements could “potentially decrease the willingness of employers to provide occupational pension schemes”.PensionsEurope said it remained unclear how sponsor support should be taken into account.Instead of the HBS, EIOPA should propose principles-based guidelines only, according to the association.These could then be considered and adopted where appropriate by national authorities of the relevant countries.EIOPA should “think instead about encouraging alternative risk-management tools”, it said.It referred back to previous suggestions it made, such as an ALM analysis, that could serve similar goals as those EIOPA set for the common methodology but that would be less complex, cheaper and entail “less model uncertainty”.Beyond the HBSPensionsEurope also raised concerns about the stress tests that do not have to do with the HBS – about EIOPA’s conclusion that IORPs do not pose a systemic risk, for example.Given this outcome, according to Matti Leppälä, chief executive at PensionsEurope, “future stress tests would best be used to highlight the risks to individuals’ retirement prospects”.He added: “This would help to underpin the central message we all wish to get across – that more people should be saving more for their retirement.”Overall, EIOPA should carry out any future stress tests only when there are “situations that justify the exercise”, according to the association.The authority has said it will carry out further stress tests, with the next being in 2017 given a two-year cycle, but PensionsEurope said bi-annual stress tests “would be excessive”.The association also raised the issue of the stress tests’ compatibility with the European Commission’s Capital Markets Union (CMU) project.IORPs are “essential players in the realisation of the CMU”, it said, but some assumptions used in the stress tests might prevent their investing long term in sustainable real assets, “which seems counter” to the CMU’s aims.An area of agreement was in relation to the need for more work to understand the potential impact on the real economy and financial markets from the occupational pensions sector’s sensitivity to adverse market developments.It also welcomed EIOPA’s recognition of the heterogeneity of European IORPs and their respective financial assessment frameworks, adding that “a consequence of that heterogeneity is that funding requirements and funding ratios differ between countries”.last_img read more

The ‘millionaire’s row’ of the Redlands attracting big spenders

first_imgThe view from one of the bedrooms in the house at 15 Sentinel Ct, Raby Bay. The pool at 15 Sentinel Ct, Raby Bay.The property at 15 Sentinel Court has five bedrooms, four bathrooms, a climate-controlled wine cellar and its own private marina berth and pontoon. Records show the former owners bought the property for $1.95 million in 2015 and have barely made any improvements to the home in that time. This house at 15 Sentinel Ct, Raby Bay, has sold for $2.55m. The back deck of the property at 15 Sentinel Ct, Raby Bay, which has sold for $2.55m.Selling agent Ryan McCann of First National Cleveland said the buyer was from Macgregor and wanted a home in the area so that he could park his 50ft boat at his doorstep.“He made the big decision to buy a 50ft boat to retire with,” Mr McCann said.“He didn’t want to lift a finger, just wanted to buy the home and have the boat at the doorstep.“He basically said; ‘If it’s in my backyard, I’ll actually use it’.”Mr McCann said the property was the third sale over $2.5 million in Sentinel Court in the past four weeks.And he said there had been five sales above $3 million in the suburb in just the past two months.“The entry level (price in Raby Bay) has gone up $100,000 in the past 12 months alone,” Mr McCann said.A house in the same street recently sold for a whopping $5.25 million.The property at 8 Sentinel Court is on 1426 sqm of waterfront land, has its own private beach, boat ramp, and seven-car garage with drive-through access to the sand. The kitchen in the home at 15 Sentinel Ct, Raby Bay.More from newsParks and wildlife the new lust-haves post coronavirus15 hours agoNoosa’s best beachfront penthouse is about to hit the market15 hours ago One of the bathrooms in the home at 15 Sentinel Ct, Raby Bay.The sale of 15 Sentinel Court was the biggest in Queensland in the past week according to CoreLogic.The property researcher also noted another big sale during the week of a five-bedroom house at 28 Austral Ave, Graceville, for $1.46 million. A house on the ‘millionaire’s row’ of the Redlands has sold for $2.55m.A WATERFRONT home in a street known as the ‘millionaire’s row’ of the Redlands has sold for $2.55 million, with the buyer wanting somewhere he could park his 50ft boat.It’s the latest sale in the exclusive street of Sentinel Court in Cleveland’s Raby Bay, where there are only 16 houses on a prized stretch of beachfront.last_img read more

ASA clears Betfair advertisement of being irresponsible

first_img Submit Flutter moves to refine merger benefits against 2020 trading realities August 27, 2020 Related Articles The Advertising Standards Authority (ASA) has cleared a TV ad for Betfair after concerns were raised over whether the decision to focus upon the excitement of a betting experience could be deemed irresponsible.The ad in question, broadcast on 11 November 2018, showed a young man checking his mobile phone while walking down the pavement and going through what appeared to be a ‘secret’ door leading to a room with a large screen that showed horse racing.A voice-over stated: “My gut says that horse is something special and my smarts say to back it on the Betfair Exchange where I get bigger returns than if I bet with one of these other bookies. That’s why I go to Betfair. Betfair, where gut instinct meets smarts.”A complainant challenged the idea that construing the betting experience in this way, “exploits the susceptibilities of young men”, however the regulatory body ruled that there was no breach of advertising rules.Responding to the complaints, Betfair explained that the advert sought to explain that the operator could offer better value for money in comparison to other bookmakers. The protagonist was not shown to be placing any bets, therefore not implying that gambling had any priority in the man’s life.  The main character was, according to Clearcast, clearly over the age of 25 and was “portrayed as one of many unremarkable people in a fantastical location designed to be a metaphor for the ‘community’ of customers using the app.”The operator added that the advertisement did not, in any way, exploit any susceptibilities of under-18s, but rather was attempting to educate its customers about the range of odds available. Considering the response to the complaints from the operator, the ASA ruled that while they considered the character to be deemed aspirational – in reference to his ‘smarts’ – the decision to place a bet using the Betfair Exchange was deemed to be depicted responsibly.The ASA ruled that the ad had not breached the advertising code, and that no further action was necessary. StumbleUpon Share Share Bookies Corner: Trump Presidency sinks as US 2020 enters its 100 day countdown July 29, 2020 ‘Deal maker’ Rafi Ashkenazi ends Flutter tenure  August 27, 2020last_img read more

Lazio player channels his inner Suarez; sent off for biting opponent’s arm [VIDEO]

first_imgMove over Luis Suarez, there’s a new biter in town.Lazio defender Patric was sent off for biting an opponent in a Serie A game on Tuesday.Patric was captured sinking his teeth into the arm of Lecce player Guilo Donati.The referee did not see the incident but sent off Patric after a review by the Video Assistant Referee (VAR).There are suggestions that Patric could face a lengthy ban, particularly due to the strict COVID-19 protocols the players are expected to adhere to.Second-placed Lazio who has been seriously challenging Juventus for the title prior to the lockdown have fallen off the pace since the resumption of the season.They are now seven points of the top having won just two out of their five matches since the restart, including last night’s 2-1 loss to Lecce.Take a look at a video of the incident and the reaction on social media below.last_img read more

NBA approves 22-team return in Orlando starting July 31

first_img Newsroom GuidelinesNews TipsContact UsReport an Error In an interview on TNT on Thursday night, Silver outlined some of the precautions the league plans to take in order to get back on the court to finish the season — including potentially barring some coaches from being on the sideline during games.“We’ve learned a lot more about the virus since we shut down in March,” Silver said in the televised appearance. And the data is demonstrating that, for the most part — there are exceptions — that healthy young people are the least vulnerable. But there are also people involved in this league, particularly some of the coaches who are obviously older people, and we also know people at any age with underlying conditions are most vulnerable.“So we’re gonna have to work through protocols that maybe, certain coaches, may not be able to the bench coach. They may have to retain social distancing protocols, and maybe they can be in the front of a locker room … but when it comes to actual play, we’re not gonna want them that close to players, in order to protect them. So those are all issues were continuing to work through.”Among the NBA’s head coaches, the Spurs’ Gregg Popovich is 71, the Rockets’ Mike D’Antoni is 69 and the Pelicans’ Alvin Gentry is 65 years old. On the Lakers’ coaching staff, assistant Lionel Hollins is 66. For the Clippers, Armond Hill is 67. According to the Center for Disease Control, people who are 65 or older are a higher risk for severe illness if they contract COVID-19.On Thursday, Florida’s Department of Health confirmed 1,419 additional cases of COVID-19 – the largest daily total of newly confirmed cases since daily updates began in March. The NBA’s board of governors voted Thursday to approve the league’s proposal for a 22-team format to restart the season in Orlando, Florida, on July 31, the league said in a statement. Portland was the only team of 30 to vote against the plan, according to The Athletic’s Shams Charania.The NBA announced that the board’s approval marks the first major formal step required to resume the season after a hiatus that began when play was abruptly suspended March 11 because of the coronavirus pandemic.In a conference call Thursday, owners voted on the plan put forth by Commissioner Adam Silver and the league’s advisory/finance committee to play out the season entirely at the Walt Disney World Resort.The league said it’s now is working to finalize a comprehensive, complex restart plan with the National Basketball Players Association, with representatives planning to hold a conference call Friday, according to ESPN’s Adrian Wojnarowski.center_img The NBA said it and the players’ association are working with infectious disease specialists, public health experts and government officials to establish a rigorous program to prevent and mitigate the risk related to COVID-19, including a regular testing protocol and stringent safety practices that Silver said Thursday evening will include playing games without fans in the central location where players will be tested daily.“We’re working through the logistics with the players,” Silver said. “But … other than the time when the players are face to face on the court … the other times will be retaining a certain social distancing protocols.”Further adding to the complexity fo the comeback is that news of the league’s latest step toward playing again comes in the midst of the international outcry sparked by the police killing of George Floyd on May 25 in Minneapolis. Silver suggested that the NBA could take a leadership role in helping to improve some of the racial issues that have boiled to the surface in recent days.“We are such a unique institution,” Silver said Thursday evening on TNT. “I think ultimately, we may be in a position to have more of an impact on this issue than almost any other organization in the world. When you think about the players, coaches, former players … including our ownership now withing that group, you have some of the most well-known people of color in the entire world.”There was some mixed social media reaction from current players on the proposal to play ball again when the nation is in the throes of protest.New Orleans guard Josh Hart, a former Laker, suggested Thursday the game could help unite people: “There’s so much going on in this country. Hope basketball can help bring people together and help contribute to the healing process.”Patrick Beverley expressed less certainty. The Clippers’ hyper-competitive guard tweeted Wednesday that with “Everything going on right NOW (basketball) is NOT IMPORTANT.”The Lakers and Clippers last played March 10. The Lakers lost 104-102 to the Brooklyn Nets at home and the Clippers beat the Warriors 131-107 in San Francisco, leaving off with the Lakers (49-14) leading the Western Conference and the Clippers (44-20) in second place.The plan approved by the board Thursday would allow them to continue their title quests in a format that features the 22 teams with the best records, or the 16 teams (eight per conference) in current playoff positions and the six teams that currently are six games or fewer behind the eighth seed in their respective conferences.The season restart would begin with eight “seeding games” for each returning team, with the possibility of a play-in tournament for the eighth and final playoff seed in each conference depending on combined records across regular-season games and seeding games.Once the 16-team playoff field is set, the NBA Playoffs would proceed in a traditional conference-based format with four rounds and best-of-seven series in each round.The NBA Finals would end no later than Oct. 12.Training camp ahead of the restart would tip off July 9-11, Wojnarowski reported, with a July 7 date scheduled for travel to Orlando, according to Charania.Additionally, the league announced that, as tentatively scheduled, after the season resumes July 31, the 2020 draft lottery would be rescheduled for Aug. 25, the 2020 draft would be slated for Oct. 15.The NBA then would aim to open the 2020-21 regular season Dec. 1.And, according to ESPN, free agency could begin Oct. 18 with training camps starting Nov. 10.Also Thursday, G League President Shareef Abdur-Rahim announced that the remainder of that league’s 2019-20 season — which was suspended March 12 — was canceled. Under normal circumstances, it would have concluded March 28.Charania reported that the G League extended health benefits and paid all of its players through what was supposed to have been the end of the season.IMPORTANT DATESJuly 9-11: Training campJuly 31-Oct. 12: 2019-20 seasonAug. 25: Draft lotteryOct. 15: NBA draftOct. 18: Free agencyNov. 10: 2020-21 training campDec. 1: 2020-21 season start(via Adrian Wojnarowski/NBA)last_img read more

Aleksandar Petrović Is No Longer the Coach

first_imgAleksandar Petrović is no longer the coach of the B&H basketball team. The agreement with the B&H basketball federation lasted until September, which was the end of the European Championship in Slovenia, for which not even three wins were enough for our team to enter the second round.The board of directors of the B&H basketball federation at yesterday’s session decided to hold an open call for selectors. Also, Elmedin Konaković was selected as the new president of the board of directors at the session yesterday.(Source: Fena)last_img read more