Challenges in Elder Care: Distance



My dad was living independently until he fell about four years ago. Perhaps this story sounds familiar to you. So many families are dealing with their elderly parents now differently than they have in the past. Our parents handle their own lives differently than in previous generations. Our society has changed so much over the course of just a few decades. 

My great grandmothers died at home. One lived until she was 104. My grandmothers both lived independently until they died, one at home and one had a very brief hospital stay for 12 hours. They were both living alone until the day they died.

My grandmothers also lived independently until their deaths. Both were able to drive. They paid their own bills and bought their own groceries. They were both approaching 90 when they died. There was no need to provide long term in-home care for my grandmothers. However, if they had needed extended care, they both would have gotten it. Neither my mother nor her sisters worked outside the home, so they all would have been able to care for their parents without the pressure of other responsibilities.

Now, many family members work away from home, so it is much more difficult to care for aging parents. In previous generations, families lived in a much closer geographic area than they do today, often under the same roof. Multigenerational families living together are not as commonplace today, which makes it much more difficult to share the care for aging relatives between family members.

My brother lives in Florida and my sister lives in California. I live here in Alabama. My dad was in Texas when he fell. He had remarried and was living near his second wife’s family. She had died the year before, and it was not their responsibility to see to my father’s care. We were unable to be there with him immediately. As his health improved, we had to help him decide where to move to in order to be near us. He now lives in Alabama, and I frequently provide care and support for my father.

I did not realize how much an aging parent would fight to remain independent. Often, they are unable to realize that they are failing. They rarely see that their brain is changing. They may feel normal, or the change may be so gradual, it is not something their brains can process. Sometimes, they have moments when they know something is not right. But most often they don’t see it. Some parents can become paranoid that you are trying to take over their lives. They will hide as much as they can from their kids to keep their independence. I am writing about this because I want folks to know that they are not alone in struggling to care for an aging loved one. Juggling distance and work-life balance while still trying to maintain a quality of life of an elderly parent is a constant challenge.


Points You Required To Find Out About Presentation Development Application Today.

If you’re preparing to develop a presentation, you’ll require a discussion production app. Google Slides and Apple’s Keynote are both preferred choices. These applications allow you produce as well as edit presentations both online and offline. And both programs sustain Microsoft PowerPoint. This suggests you can use your favorite presentation software on your mobile phone and make changes.

Canva allows you to produce a presentation promptly with its collection of layouts. You can also select font styles, colors, and also images to make it extra individual. It also uses searchable layouts and also Smart obstructs, which you can utilize to incorporate video and also information visualizations. You can likewise publish your own photos or select from the supply collection. And due to the fact that Canva is complimentary to use, you can download a finished presentation in PowerPoint format. source

Microsoft Sway is one more fantastic alternative for developing discussions. This app lets you create interactive stories, records, and discussions that can be shown to others. It also has an integrated design engine that assists you create professional-looking formatting. As well as due to the fact that you can team up with other individuals, you’ll be able to share discussions as well as also produce discuss them.

The complimentary version of Canva is extremely user-friendly. The app permits you to sneak peek any style prior to acquiring it. Other than that, Canva has a frustrating option of layouts for both organization and also education utilize instances. It additionally features an user-friendly editor that protects against accidental scrolling. It likewise provides predetermined computer animations, a library of video clip documents, and also much more.

A slide change can be used for a solitary slide or the entire discussion. A single slide transition is most reliable for the majority of situations. To utilize a slide shift, merely pick the ideal slide, after that click on the Shift switch. If you desire an extra smooth change, you can change the Period slider to make it much longer, shorter, or quicker. You can also choose Stop when the shift mores than.

Other discussion production apps consist of Microsoft PowerPoint, Apple Keynote, and Google Slides. You can also make presentations with real-time video clip. All of these apps are exceptional for developing and also sharing presentations. But which one will function best for you? These applications can aid you make a professional-looking discussion. They can be shared online or with others, and they can even be sent by means of email.

A presentation creation app that allows you to post media documents can additionally be handy. You can also include voiceovers and also play music. You can edit each slide in the application. With the addition of audio as well as video clip, you can offer your message in a clear and succinct way. The app additionally permits you to readjust the look and feel of your slides.

Keynote is an outstanding discussion production application for Mac customers. It supports over twenty high-grade slide shifts, permits you to use transcribed notes as well as pictures, and also is compatible with PowerPoint. It is a good choice for teams as well as is browser-based. Nevertheless, there are some limitations to Keynote. site

A discussion production app should supply the tools you require to create an effective discussion. Whether you require to produce a business presentation or a private one, this software program can make it take place. Genially’s powerful user interface is designed with partnership in mind, enabling you to share discussions with collaborators beyond your business. The app also includes personalized design templates as well as job duties.

This free app allows you to record your discussion with only two clicks, making it perfect for those that need to develop presentations wholesale. You can add as numerous slides as you need to, record in the convenience of your seat, and also export the finished discussion as a PDF or PowerPoint.pptx documents. It also allows you transform your presentation into a website or an interactive site. The app has over a million supply images and themes, as well as also allows you to tape-record audio.

FlowVella is an additional presentation development application that is complimentary to use. You can develop your presentation utilizing an empty theme, or pick from more than 70 pre-designed themes. The application is easy to use, with drag-and-drop functionality. It also enables you to include interactive functions, such as a navigation menu.

While PowerPoint is the most prominent discussion development application, Keynote is an option for Mac as well as iPad individuals. This program uses a wonderful user interface for creating discussions, and also you can also add handwritten notes as well as pictures to them. Keynote is additionally suitable with PowerPoint, which indicates you can import your Keynote discussions into PowerPoint and also switch between the two programs, yet not all of the attributes in PowerPoint are sustained.

FlowVella is one more excellent discussion production application readily available in the Apple Application Store. It’s optimized for Mojave, and also is easy to use. You can place message, photos, galleries, audio, and also PDF documents right into your presentation. The application isn’t as feature-rich as Keynote or PowerPoint, yet it is best for those who do not intend to spend a great deal of time creating a presentation.

Other choices consist of Google Slides as well as Microsoft PowerPoint. While Google Slides is suitable for creating professional-quality presentations, lots of services still choose PowerPoint for their presentation requires. You can edit your discussions with this app, and it synchronizes any modifications made through the app to your Google Drive account. This suggests that you can make changes also when you’re offline.

The paid variation of Plotagon has even more functions than the totally free variation, as well as uses quantity licenses for colleges. It costs $27 per classroom each year for scholastic purposes and also $441 for organization usage. There are likewise several various other free alternatives available for the typical consumer, such as Animoto. While this app is available free of cost, the video clips created by Animoto have the Animoto watermark and also are limited to typical meaning (720p). brut

Haiku Deck is one more cost-free alternative that focuses on interacting through photos, and it’s a terrific app for making discussions. It supplies a broad option of images as well as motifs to choose from, allowing you to create an appealing presentation. Haiku Deck additionally allows you to share your discussions using e-mail or online.

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Whenever it comes to buying something at the month’s end then lots of women have to control their desire because their salary is not credited yet. But now, you don’t have to worry about anything because you can easily pay your amount in installments. You can now buy quadpay wigs in installments and can get the wigs of your choice. You can pay the money when your salary is credited to your account and can also pay in the installments to make it easier to pay. So, there is nothing to think about and you can start buying your wigs without any type of hassle. You will have the best shopping time ever and can enjoy the parties without worrying about hair damage. You can get a thick and healthy hair wig that you can wear for a long time. So, you don’t have to worry about anything and have to choose the best style that will help you to get the best results.

Morning Preview: October 20, 2022

Early Look

Thursday, October 20, 2022









S&P 500










U.S. stock futures are looking mixed, with Nasdaq futures underperforming behind weaker results and commentary from Tesla (TSLA) as shares are down over 5% overnight while S&P futures are back around the key 3,700 level. After jumping yesterday, Treasury yields remain elevated, with the 10-yr up 1 bps to 4.14% (off overnight highs of 4.18%) and the 2-year yield up 3 bps to 4.58%. The dollar strengthened initially but has now pulled back while the BOJ launches unscheduled bond buying after Japan’s benchmark yield tops 0.25% policy ceiling. Stocks halted a two-day rally on Wednesday, with Treasury yields climbing to multiyear highs; the two-year US yield jumped to the highest since 2007 as traders pushed expectations for a peak policy rate closer to 5%. President Neel Kashkari said late Wednesday that core inflation has not shown evidence it has peaked. Oil futures rose to session highs above $86 after a weekly decline in US crude stocks. In Asian markets, The Nikkei Index fell -250 points to 27,006, the Shanghai Index dipped -0.3% to 3,035, and the Hang Seng Index fell -231 points to 16,280. In Europe, the German DAX is down -67 points to 12, 673, while the FTSE 100 is flat at 6,925. Another heavy dose of corporate earnings on the calendar again today!

Market Closing Prices Yesterday

·     The S&P 500 Index dropped -24.82 points, or 0.67%, to 3,695.16

·     The Dow Jones Industrial Average fell -99.99 points, or 0.33%, to 30,423.81

·     The Nasdaq Composite slipped -91.89 points, or 0.85%, to 10,680.51

·     The Russell 2000 Index declined -30.20 points, or 1.72% to 1,725.76


Economic Calendar for Today

·     8:30 AM ET            Weekly Jobless Claims…est. 230K

·     8:30 AM ET            Continuing Claims…est. 1.375M

·     8:30 AM ET            Philly Fed Business Survey for October…est. -5.0

·     10:00 AM ET          Existing Home Sales M/M for September…est. 4.7M

·     10:00 AM ET          Leading Index Change for September…est. (-0.3%)

·     10:30 AM ET          Weekly EIA Natural Gas Inventory Data


Earnings Calendar:























10-Year Note





World News

·     China’s central bank keeps the banks’ reference lending rates steady in October; 1-year LPR keeps at 3.65% unchanged; 5-year LPR keeps at 4.30% unchanged

·     UKs Truss’ government on the brink as Tory’s revolt for her to go; PM Truss govt is in disarray after Home Sec Braverman quit

·     Bank of Japan announced emergency bond buying ops; offered to buy 100b yen of 10-20Y JGBs to try and contain rising yields

·     The bull-bear spread in the American Association of Individual Investors (AAII) weekly survey was -33.6 vs -35.5 last week: Bulls rise to 22.6% from 20.4%, Neutrals fall to 21.2% from 23.7%, and Bears rise to 56.2% from 55.9%

·     Japan’s trade deficit extends to 14th month amid slide in yen


Sector News Breakdown


·     Tesla Inc. (TSLA) Q3 EPS $1.05 vs. est. $0.99; Q3 revs $21.45B vs. est. $21.96B; still sees 50% avg annual growth in vehicle deliveries; sees initial phase of semi deliveries begin in Dec. 2022; Q3 free cash flow $3.30B vs. est. $2.89B; Musk said on c/c Tesla’s board has discussed a buyback in the range of $5 billion to $10 billion

·     Philip Morris International Inc. (PM) raised its takeover offer for Swedish Match AB in a deal that values the Swedish tobacco company at 176.4 billion Swedish kronor ($15.72 billion). PM offered SEK106 a share in May, though it has come back with an improved bid of SEK116

·     Las Vegas Sands (LVS) Q3 EPS loss (-$0.31) vs. est. loss (-$0.24); Q3 revs rose to $1.01B vs. est. $985.5M; qtrly consolidated adjusted property ebitda was $191M, up from $47M y/y; Q3 Macau operations revenue $258M vs. $616M; said travel restrictions and reduced visitation continue to impact financial results

·     Tractor Supply (TSCO) Q3 EPS $2.10 vs. est. $2.07; Q3 revs $3.27B in-line with ests; Q3 comparable store sales increased 5.7%; now sees fy22 comparable-store sales up 5.4%-5.8%; had seen up 5.2%-5.8%; raises FY22 EPS view to $9.55-$9.63 from $9.48-$9.60 (est. $9.59) and raises FY22 revenue view to $14.06B-$14.12B from $13.95B-$14.05B



·     Kinder Morgan (KMI) Q3 adj EPS $0.25 vs. est. $0.29; Q3 revs $5.18B vs. est. $4.62B; raises quarterly dividend 3% to 27.75c per share

·     The Federal government announced Tuesday a program that will provide $1.3 billion in debt relief for about 36,000 farmers who have fallen behind on loan payments or face foreclosure

·     Sunrun (RUN) downgraded to peer perform from outperform by Wolfe Research



·     Allstate (ALL) shares slide -8%; said it expects a loss of $675 million to $725 million for Q3, compared with last year’s net income attributable to the company of $538 million – estimates were expecting net income to fall to $112 million for the period

·     Ally Financial (ALLY) downgraded to equal-weight from overweight at Morgan Stanley following Wednesday’s third-quarter results

·     Banner Corp. (BANR) Q3 EPS $1.43 vs. est. $1.39; Q3 revs $162.03M vs. est. $137.18M

·     Equifax (EFX) Q3 EPS $1.34 vs. est. $1.63; Q3 revs $1.24B vs. est. $1.22B; guides Q4 adj EPS $1.45-$1.55 below consensus $1.65 and revs $1.165B-$1.185B vs. est. $1.2B; Strong non-mortgage constant dollar revenue growth of 20% offsetting mortgage market decline; cuts FY22 adjusted EPS view to $7.49-$7.59 from $7.55-$7.80

·     Everest Re (RE) estimates pre-tax net catastrophe losses of $730M for Q3; For Hurricane Ian, Everest’s loss estimate is based on insured industry losses of approximately $55B, driven in part by the significant social inflation in Florida

·     RenaissanceRe (RNR) announced it estimates that losses from certain 2022 catastrophe events will have a net negative impact of approximately $650 million on the Company’s Q3 results

·     PacWest Bancorp (PACW) Q3 EPS $1.02 vs. est. $1.07; Q3 net interest income (NII) increased by $11.3M to $335.2M compared to $323.9 M for Q2

·     SL Green Realty (SLG) Q3 FFO $1.66 vs. $1.78 y/y; Q3 revs rose 3.5% y/y to $212.5M vs est. $187.6M

·     Texas Capital Bancshares (TCBI) Q3 EPS $0.74 vs. est. $1.01; Q3 Net interest income was $239.1M compared to $205.5M for the second quarter of 2022; recorded a $12.0M provision for credit losses for Q3, compared to a $22.0M prior quarter

·     Umpqua Holdings (UMPQ) Q3 operating EPS $0.47 vs. est. $0.45; Operating net income of $103 million, or $0.47 per common share; loan balances increased $1.1 billion or 4.4%; deposit balances increased $685 million or 2.6%; net interest margin increased 47 bps to 3.88%

·     Western Union (WU) backs FY adjusted EPS view $1.75-$1.85 vs. est. $1.80 and reaffirms FY revenue down approximately 11%-13%, with adjusted revenue down in the mid-single digits; sees Q3 revenue down 15%


Industrials & Materials

·     Alcoa inc. (AA) Q3 EPS loss (-$0.33) vs. est. $0.19; Q3 sales fell -8.3% y/y to $2.85B vs. est. $2.97B; cut its alumina shipments forecast for the full year to 13.1M-13.3M metric tons, from prior view of 13.6M-13.8M tons; also lowered bauxite shipments for year

·     Dow Inc. (DOW) Q3 operating EPS $1.11 vs. est. $1.08; Q3 revs $14.12B vs. est. $13.1B; packaging & specialty plastics segment net sales in quarter were $7.3 bln, down 5% versus y/y; industrial intermediates & infrastructure segment net sales were $4.1 bln, down 9% versus y/y

·     Knight-Swift Transport (KNX) Q3 adj EPS $1.27 vs. est. $1.33; Q3 revs $1.9B vs. est. $1.89B; cut its adjusted year ESP to $5.17-$5.22 from prior $5.30-$5.45 (est. $5.40)

·     Landstar (LSTR) Q3 EPS $2.76, in-line with estimates and Q3 revs $1.82B vs. est. $1.8B; FY annual revenue expected to be more than $7.5B and EPS more than $11.75 (ests $7.48B and $11.72); says expect number of loads hauled via truck in Q4 to decrease y/y by 2%-4%

·     PPG Industries (PPG) Q3 adj EPS $1.66 vs. est. $1.65; Q3 revs $4.47B vs. est. $4.45B; sees Q4 EPS $1.05-$1.20 vs. est. $1.25 and sales volumes down a mid-single-digit percentage; said inflationary cost pressures persisted with raw material cost inflation of nearly 40% on two-year stack; energy costs continue to rise

·     Steel Dynamics (STLD) Q3 adj EPS $5.46 vs. est. $5.09; Q3 revs $5.7B vs. est. $5.44B; Record cash flow from operations of $1.5 billion; Record steel fabrication operating income of $677 million and record shipments of 218,000 tons; Record steel shipments of 3.2 million tons

·     WD-40 (WDFC) Q4 EPS $1.08 vs. est. $1.22; Q4 revs $130.2M vs. est. $131.1M; guides year EPS between $5.09-$5.24 vs. est. $5.05; current inflationary environment disrupted ability to achieve 55% gross margin target over near term


Technology, Media & Telecom

·     IBM Corp. (IBM) Q3 adj EPS $1.81 vs. est. $1.77; Q3 revs $14.1B vs. est. $13.51B; cloud revenue rose 11% to $5.2B in the quarter, and now expects its annual revenue to increase more than its previous estimate of mid-single-digit growth at constant currency; increased its full-year estimate for foreign exchange impact to 7% from 6%

·     AT&T (T) Q3 adjusted eps $0.68 vs. est. $0.60; Q3 revs $30.0B vs. est. $29.84B; adjusted ebitda $10.7B, mobility revenue $20.3B; wireless postpaid net adds +964,000 (vs. est. +913,399); adj EBITDA $10.7B (est. $10.39B); sees FY Adj EPS at least $2.50, from prior $2.42-$2.46

·     Lam Research (LRCX) Q1 EPS $10.42 vs. est. $9.53; Q1 revs $5.07B vs est. $4.91B; guides Q2 EPS $10.00 plus/minus $0.75 vs. est. $9.47 and sees Q2 revs $5.1B plus/minus $300M vs. est. $4.91B; sees Q2 gross margin 44.5% plus/minus 1%

·     Crown Castle (CCI) Q3 AFFO $1.85 vs. est. $1.83; Q3 revs $1.57B vs. est. $1.74B; raises quarterly dividend to $1.56 from $1.47; guides FY23 AFFO $7.58-$7.68 vs. est. $7.54 and revs $6.4B-$6.53B vs. est. over $7B

·     Oracle (ORCL) upgraded to Neutral from Underweight at Piper Sandler


How Dyslexia Affects Learning To Read And Write

Dyslexia is a common learning disability that can affect reading, writing, and speaking skills. It is estimated that 5 to 10 percent of the population has dyslexia. While dyslexia can make learning to read and write difficult, it does not affect intelligence. People with dyslexia often have difficulty with some of the following: -Decoding words (sounding them out) -Spelling words -Reading fluently -Understanding what they read People with dyslexia often have a higher than average IQ. Many successful people have dyslexia, including pilots. While dyslexia can make learning to read and write more difficult, it does not affect a person’s ability to fly a plane.

While you may be diagnosed with dyslexia, your ability to fly a plane will not be hampered by it as long as you demonstrate the necessary level of writing and reading skills. It is not necessary to have a disability in order for an aspiring pilot to fly a plane as long as he or she is capable of completing flight training, meeting medical standards, and passing the necessary knowledge test. Following counseling for PTSD, airmen with ongoing needs may be granted authorization by the FAA. A pilot may be able to work if they are suffering from depression but they are not able to do so if they are not currently suffering from the condition. Pilots must have strong mechanical abilities as well as a good understanding of geography and physics. Math abilities are also required for the job. Because of psychosis, bipolar disorder, and severe personality disorder, it is not possible to obtain a medical certificate from the FAA. Any facial hair or beards that are not shaved below the lip are not permitted to fly.

An applicant for a pilot license who is unable to complete training without assistance with reading and writing may be required to make reasonable adjustments to allow him or her to fly alone or to pursue a career in aviation if he or she does not have the necessary reading and writing skills.

The most common types of dyslexia are reading, writing, and spelling issues. This is a specific learning difficulty that causes problems with certain aspects of learning, such as reading and writing. Individuals who suffer from a learning disability are not impacted by their intelligence.

Even though there is no cure for dyslexia, early intervention and assessment help to reduce the likelihood of further disability. It is not uncommon for dyslexia to go undetected for years before it is recognized, but it is never too late to seek help.

Are There Dyslexic Pilots?



Tan is a 25-year-old Malaysian who has traveled the world alone as the youngest pilot. As a result, he was diagnosed with dyslexia as a child due to reading difficulties throughout his childhood.

What do you see in your mind’s eye while spelling? Thank you for the great link for Word Challenge!: Please visit for more information. In April 2005, the first volume was released. My sons have not had difficulty with flying or learning in school as a result of dyslexia. Sitting down and sifting through a large volume of textual information intimidates me the most. Instead of focusing solely on the meaning of a word, which is obvious but tedious, I concentrate on the word itself.

Studying for an ATPL necessitates massive amounts of data over a short period of time, so this is one area I may overlook. It is difficult to differentiate Left/Right, East/West, Port/Starboard in India. Even so, he can read upside down and write in mirrors with both hands. Try using colored lenses if words on the (white) page suddenly stop flowing; orange, yellow, green work for many, and red for others; experiment. Several tests have been conducted to determine which color overlay should be used when reading books. The term “dyslexic” has many facets. A qualified psychologist will administer the Wechsler Adult Intelligence Scale (WAIS) 3) test for dyslexia.

We use this test to evaluate our ability to think, concentrate, and visualize, as well as to evaluate our spatial awareness and long-term ability to perform specific tasks. According to JMac63, because flying is inherently failsafe, flying will cause dyslexic errors. I appreciate your kind words on my excellent post. Many of my traits are excellently described as a result of your efforts. Had you ever seen this movie 35 years ago? Thanks for your kind words, and I hope they will benefit at least two of my relatives.

The Air Force’s Standards For Astigmatism Are Too Strict.

Individuals with astigmatic vision can have an impact on how they perceive things. The condition is caused by irregularities in the lens curvature of the eye. The irregular patterns in the eyes result in objects being seen at an angle, making it difficult to see clearly. Candidates for pilot training in the United States Air Force are permitted to have astigmatism at a rate of up to 1.40 D. Waivers are available for people with astigmatisms of up to 3.08 D. A pilot who has an astigmatism of more than $3.00 D may be disqualified from the program if they fail the medical exam. A medical examiner may not consider a pilot’s astigmatism as significant if it exceeds 3.06 D. Because the Air Force bases its standards on the assumption that astigmatism will not cause an applicant any problems while in service, they require applicants to have astigmatism. A person with astigmatism may struggle to see clearly while flying due to the astigmatism. This could result in serious consequences.

What Disqualifies You From Being A Pilot?



Certain medical or health issues may prevent you from passing the extensive medical tests that must be completed in order to become a pilot. Certain heart diseases, conditions such as epilepsy, poor hearing, poor vision, and even common allergies, can all make you sleepy, and certain allergy medications can make you sleepy as well.

It is necessary to run a background check on anyone applying for a pilot license. You cannot be allowed to enter a work program if you have an outstanding record for offenses related to alcohol or drugs. When you don’t pass all of the practical and written exams, you may be disqualified from obtaining a pilot’s license. It is also possible that being too young will prevent you from becoming an airline pilot. The Federal Aviation Administration maintains a comprehensive list of conditions that can lead to a pilotdisqualification. To obtain a commercial or private pilot license, applicants must be fluent in English. If you are a student at Kingsky Flight Academy, we can provide you with a high level of training. We can be reached online or by phone at 1-863-248-2543.

You Can Still Be A Pilot If You Have A Mental Illness

There are a number of reasons why a person may not be able to become a pilot. Some people have criminal records that would prevent them from obtaining a pilot’s license, while others may suffer from mental health issues such as anxiety or depression that would make them incapable of flying. The Federal Aviation Administration currently allows pilots to have these conditions without being disqualified from flying. You may still be able to pursue a career as a pilot if you have mental health issues.

Can You Be An Autistic Pilot?



There is no definitive answer to this question as it depends on the individual’s level of autism and their ability to manage the symptoms. Some people with autism are able to lead relatively normal lives while others may require significant support. There are a number of autistic pilots who have been successful in obtaining their licenses and flying commercial aircraft. The Federal Aviation Administration (FAA) does not currently have any restrictions or special requirements for autistic pilots.

People with Asperger’s often have exceptional intelligence. They may be able to do well in math and science subjects. They are likely to struggle in areas such as interpersonal communication and public speaking, but that is not to say they do not have talent.
There are numerous career paths available in the field of air traffic control, but it is a demanding profession. If you have the ability to process large amounts of information quickly and possess a high level of intelligence, this may be a good option for you.

Pilots With Dyslexia

Pilots with dyslexia can be just as successful as any other pilots, provided they receive the proper accommodations and support. Many people with dyslexia are excellent at spatial reasoning and have a natural ability to visualize three-dimensional objects, which can be a major asset when flying a plane. With the right accommodations, such as extra time to read through materials and study for exams, pilots with dyslexia can overcome any challenges they may face and excel in their career.

There appear to be some pragmatic reasons for making a diagnosis by school shrinks: a kid requires additional help, and giving them one will aid them in getting it. I doubt that these well-intentioned individuals have any idea how diagnoses they make can affect these children’s futures. You may be able to overcome dyslexia in a mild form. It could have been severe, but it’s not guaranteed. You may have to strain to tell whether there is anything going on in some procedural work arounds that appear to be extremely good. If you are a dyslexic, you may need to apply for approval from your local FSDO or International Field Office. It is possible to use an electronic thesaurus, which can be self-contained and can pronounce words aloud on a display screen. You can ask a proctor to read the test questions and supplement material for you if you want them to do so. If the proctor is not an aviation enthusiast, he or she should not be appointed.

What Disqualifies You From Being An Airline Pilot?

A personality disorder, such as overt acts, a psychosis, alcoholism, drug dependence, epilepsy, an unexplained disturbance of consciousness, myocardial infarction, angina pectoris, and diabetes requiring medication, are other medical conditions.

Can You Fly A Commercial Aircraft With Astigmatism?

No one can provide an answer to this question. Individuals who suffer from astigmatism will be evaluated individually to determine whether they are safe to fly commercial planes. There are several factors to consider, such as the individual’s history of astigmatism, the aircraft they are flying, and their current level of astigmatism.
If you want to fly a commercial plane, you must have astigmatism evaluated by an ophthalmologist. You should not put yourself in danger while you are unable to perform your primary responsibility as a pilot in a commercial aircraft because flying is extremely dangerous.

Can Someone With A Disability Be A Pilot?

A pilot with a disability must apply to another country before he or she can fly there. Before they can fly, they must have a copy of their medical certificate and license, as well as a cover letter from the nation’s aviation authority.

Why Diabetic Pilots Are Still Able To Fly

Diabetes patients can hold a pilot’s license, which is no surprise. In fact, diabetic pilots have been able to obtain third-class medical certificates since 1996 through special issuance procedures. As a result, a pilot may fly as a student, instructor, or sport pilot, as well as perform private and recreational functions. Diabetes has always been an issue that pilots with the disease could address in order to obtain a pilot’s license. Due to the high medical standards required of pilots, the FAA has required diabetic pilots to be tested and meet additional requirements. These requirements must be met with regular medical evaluations, as well as adherence to a strict diet.

Can I Have Adhd And Be A Pilot?

Because of the effects of ADHD/Hyperactivity Disorder ( ADHD), formerly known as ADD, and medications prescribed for treatment, cognitive deficits that would make an airman unfit to pilot would occur.

You Can Fly With Adhd

Despite this, regardless of whether you have a formal diagnosis of ADHD or not, the FAA does not consider ADHD to be disqualifying. To obtain a medical certificate, you must submit documentation from a licensed physician stating that you have ADHD and that the condition is not caused by drugs or a mental illness.
Adderall and Concerta are two medications that are commonly used to treat ADHD. Asthma-based and methylphenidate-based stimulants are both used in the same way. The FAA does not permit the use of these medications to obtain a medical certificate. There is no exception if you have a formal diagnosis of ADHD from a physician who is licensed in the state in which you live.
If a licensed physician believes you have ADHD, additional testing may be required to obtain a medical certificate. Despite this, even if you have a formal diagnosis of ADHD, the FAA does not consider it to be a disqualifying condition.

Dyslexia Test

There is no one test to diagnose dyslexia. Instead, it is typically diagnosed using a combination of a comprehensive evaluation of reading skills, academic achievement, and information about family history. Some states require that a diagnosis of dyslexia also include a demonstration that other learning disabilities are not present.

Every year, four types of tests are administered to determine whether or not dyslexia exists. The development of phonological processing skills is critical to students’ reading success. They are thought to be a reliable indicator of a child’s ability to read when they are young. Test of Word Reading Efficiency-2 (TOWRE-2) is used to determine how quickly children can decode words. When reading comprehension tests, it is critical for children to read words in context. This is an assessment of a child’s ability to use rules for matching sound units to their written symbols. The tests that students take at school may not show how difficult reading is for them.

When children can’t recall what they just read, they may have trouble decoding words that they’ve already read. When children perform a Rapid Automatized Naming Test, which takes only a few seconds, they can quickly name common letters, numbers, objects, and colors on a page. Reading tests for dyslexia assess a variety of reading skills, including decoding, phonological awareness, and comprehension. Avaluators examine all of the test results to determine whether or not your child is struggling with reading.

It is a reading disorder in which children are unable to recognize and decode words accurately. The person is not capable of thinking or displaying intelligence. People with dyslexia from infants to adults face difficulties with their reading and comprehension.
Many people with dyslexia are forced to read a different book multiple times in order to understand it. It is also possible that they have reading difficulties, or that spelling mistakes are not always discovered. There is no such thing as dyslexia that makes someone incapable of being intelligent. An individual with dyslexia may struggle to read and understand text because of a difficulty in decoding.
Dyslexia is a well-known fact. Reading disorders like these are characterized by difficulty with the accurate identification and decoding of words.
There are numerous ways to correct dyslexia. The use of strategies such as phonemic awareness, fluency, and word decoding can help people with dyslexia learn to read more accurately and fluently. You don’t have to be a genius to understand dyslexia.

Ways To Help Your Child Learn To Read

If your child is struggling to read, there are some things you can do. Encourage them to read aloud to you all the time. It is a good idea to tutor your students in spelling. If your child exhibits signs of dyslexia, you should consult with your doctor. If your child needs some help learning to read, these programs may be able to help.

Can You Be A Pilot With Adhd

There is no definitive answer to this question as it depends on the severity of the ADHD and how well it is controlled with medication. Some people with ADHD are able to lead successful lives and careers while others struggle more. It is possible to be a pilot with ADHD, but it may be more difficult to obtain the necessary licensing and to stay focused while flying.

The number of young pilots who have been diagnosed with Attention Deficit Hyperactivity Disorder has increased significantly. Overlooking or missing information on the ground can be excruciatingly irritating, but it can also be fatal in the air. This phenomenon is known as the PT Barnum Effect (in other words, there is a sucker born every minute). ADHD symptoms must last for at least a year, interfere with the person’s ability to function, and cause the person to miss out on normal development for their age. Despite this, the majority of ADHD patients are diagnosed by teachers who frequently see students who exhibit poor classroom behavior or academic performance. It appears that there is significant overdiagnosis taking place. The news will be very helpful to the next generation of aspiring pilots. ” In many cases, I believe they do not have a clinically significant illness that prevents them from flying safely.” A person with moderate to severe ADHD is not eligible to take flight lessons.

The military is the only profession in the United States that requires prospective recruits to disclose any medical conditions. The problem stems from a history of over-identifying disqualifying conditions as ADHD. For example, it is estimated that 20% of Air Force personnel haveADHD waiver rights. According to this policy, two applicants will be granted a waiver for each diagnosed diagnosis of ADHD. This could be due to a variety of factors. ADHD is a general mental health condition that encompasses a wide range of symptoms, which is why it is considered so broad. This means that an airline pilot who has ADHD may only exhibit a few of the more common symptoms, such as difficulty concentrating, hyperactivity, and impulsiveness. In the second reason, the majority of pilots with ADHD are able to resolve their symptoms. A majority of people with ADHD can improve their performance to the level of a non-ADHD pilot by taking medication and undergoing therapy. Pilots who have been diagnosed with ADHD and have successfully completed treatment are not barred from flying. Many pilots do not seek medical attention because they do not believe in seeking treatment. According to a study published in the International Journal of Aviation Psychology, only about half of all pilots with ADHD seek treatment. Because pilots are concerned that ADHD will prevent them from flying, this is most likely the case. It should be a concern. Despite this, the FAA encourages pilots to seek mental health treatment if they are suffering from a mental illness. Most mental health conditions can be treated in order for a pilot to fly safely.



Crohn’s Disease: Understanding A Chronic Inflammatory Bowel Disease

Crohn’s disease is a chronic inflammatory bowel disease that can affect any part of the gastrointestinal tract. It is a type of inflammatory bowel disease (IBD) that is characterized by periods of remission (no symptoms) and relapse (symptoms return). The symptoms of Crohn’s disease can vary depending on the location and severity of the inflammation. They may include abdominal pain, diarrhea, weight loss, fatigue, and malnutrition. The inflammation can also lead to ulcerations (sores) in the intestines and can cause the formation of fistulas (abnormal connections) between the intestines and other organs. The exact cause of Crohn’s disease is unknown, but it is thought to involve a combination of genetic and environmental factors. There is no cure for Crohn’s disease, but there are treatments that can help to control the symptoms and prevent complications.

Dan Murphy of JetBlue Airways discusses the flight plans for the company. Kelly Strong is a member of the Crohn’s Foundation’s National Research Funding Committee, a member of the Crohn’s Foundation’s Scientific Advisory Board, and a member of the Crohn’s Foundation’s Scientific Advisory Board. Benjamin, 25, is the captain’s son from New York City who suffers from spinal muscular atrophy. The stigma attached to this condition is based on how it affects a person. Camp Oasis is a summer camp for children with Crohn’s disease and ulcerative colitis. The camp is hosted by an organization that is dedicated to finding solutions to diseases. Strong’s parents have consistently been top supporters of the CCF’s annual Take Steps walk, which benefits Benjamin’s foundation.

Can I Be A Pilot With Psoriasis?



Chronic skin conditions such as psoriasis, atopic dermatitis, and eczema are not acceptable.

Some people with psoriasis may develop flare-ups if they are exposed to direct sunlight. Protopic, roscula, benzac, cintagel, differin, and ovace are just a few of the creams I’ve used. The majority of this was used to supress the oils on my face. The most pressing issue I face is my future career, which is to pursue a degree in aviation. An FAA doctor has certified my medical certificate in relation to flying as being thorough and thorough enough to allow me to fly. My medical certificate expires next year, and I will need to list all medications I have taken cream or oral, prescription or not. I’m already postponing a few of my flight sessions for the next one until my face looks better, so I’m cancelling that one.

It’s very possible that psoriasis, fungi, and acne will all be present at the same time. It is possible that some medications you have used to treat other conditions have also helped to alleviate Psoriasis. If you notice that being exposed to sunlight on a regular basis is affecting you, sunscreen may be able to help. Welome to the boards with joy. I have psoriatic arthritis for 21 years and only recently discovered it. There are several options for treatment available to you. You should not be concerned if you suffer from psoriasis while flying.

You must deal with it in a variety of ways, but it will not be the same as it is now. Patty has had severe Psoriasis for more than a decade. PUVA therapy has been her preferred treatment for the last eighteen years. If you’re stressed, you might have more trouble with breakouts, so avoid getting too stressed. If your area has a support group, you may want to look into it. Treize exacerbates seborrheic dermatitis due to a dermatitis on the skin that causes dysbiosis. We have hypersensitiveness.

Retin-A and Tazorac have similar effects for acne and psoriasis. As you’ve probably noticed, you’ve had a series of conflicting interpretations of what’s actually going on. It has not always been an easy battle for me with sun exposure, but it has certainly not made it worse. I am hoping that I can get some of the same benefits as other people who have been treated for psoriasis. When it comes to autoimmune disorders, the vast majority of people are grossly underequipped. Be ready in case anything goes wrong, but don’t give up on your career dreams just yet. Psoriasis, an immune system disorder, can be treated with a variety of medications.

Treize’s father, a pilot and navigator in the military, was a part of his family. He had a severe case of p all the time, but he was determined to work hard. Her four children, two of whom suffer from p, are thrilled to have her as their mother.

Can I Be A Pilot If I Have Psoriasis?

When you are a commercial pilot, you may develop psoriasis, which is a common and acceptable skin condition. An AD condition is defined as a skin condition that renders a person ineligible.

Can You Be A Commercial Pilot With Crohns?

More than 2,000 pilots are now suffering from Crohn’s or ulcerative colitis. Because Crohn’s disease is difficult to diagnose, the Air Line Pilots Association’s excellent Aviation Medicine Advisory Service (AMAS) recommended that I fly until the diagnosis is known as long as I remain symptom-free.

Disqualified From Flying? Here’s What You Need To Know

A person cannot become a commercial pilot for a variety of reasons. Overt acts, a psychosis, alcoholism, drug dependence, epilepsy, an unexplained disturbance of consciousness, myocardial infarction, angina pectoris, and diabetes requiring medication are other possible causes of a personality disorder. Nonetheless, as long as they have prior permission, anyone with a disability can still become a pilot. To fly in the United States, pilots must submit a copy of their medical certificate and license, as well as a cover letter, to the country’s aviation authority.

Featured Artist William John Costello

Abstract painter William John Costello uses vibrant color, texture and energetic motion to grab the viewer’s attention. Visit his website to see more of his portfolio.


“Accurate” oil, 30″ x 30″


Call me an “Eyewitness” to artistic effort.


abstract painting by William John Costello

“Conundrum” oil, 30″ x 30″


Let me explain. I have attended fifty-one Ann Arbor Art Fairs since I graduated from the University of Michigan School of Dentistry in 1970. I missed one due to cancer treatment. My wife grew up in Ann Arbor, so she has been to more fairs than me! The Ann Arbor Art Fair is a four-day event and is the largest juried art fair in the nation.


abstract painting by William John Costello

“Epiphany” oil, 30″ x 30″


It features more than 1,000 artists and spans 30 city blocks. I have walked past tens of thousands of pieces of art. Consequently, I have learned a few things.


abstract painting by William John Costello

“Flourish” oil, 30″ x 30″


The rare piece of art that causes me to stop and to say to myself, “That is distinctive!” usually elicits my congratulatory words of praise to the artist.


abstract painting by William John Costello

“Kaleidoscope” oil, 30″ x 30″


After I retired from my profession and a subsequent business career, I took up art to make a little money. Of course, my goal was to make something distinctive.


abstract painting by William John Costello

“Felicity” oil, 30″ x 30″


It mattered not whether a person liked or disliked my art—I just didn’t want anyone to be ambivalent about it. Additionally, I wanted my art to be dramatic, energetic and exuberant. The center of a room. Art that is exciting, colorful and dynamic with movement.


abstract painting by William John Costello

“Antique” oil, 30″ x 30″


From being in health care I learned to be meticulous. The business world taught me organizational skills. My art reflects those two paradigms.


abstract painting by William John Costello

“Peace” oil, 30″ x 30″


My first consideration is color. I select a color palette that is simple and efficient. Next, I give considerable thought to movement; so, I use curves and diagonals to guide the viewer.


abstract painting by William John Costello

“Storm” oil, 30″ x 30″


Next, I think about tone. Contrasting elements are critical in achieving my object of creating an engaging piece that demonstrates vigorous movement.


abstract painting by William John Costello

“Dancing” oil, 30″ x 30″


In the end I finish with an image that is an abstraction but structural, not random. I don’t rely on “happy little accidents” as the wonderful Bob Ross would say.


How much does it cost to move to Denver?

Even though Denver is one of the best cities in Colorado, and definitely one of the best places in the USA to live in, planning a relocation there takes a lot of effort. It is not just the packing and physical part. Denver is not among the cheapest cities in the USA, so you have to plan your budget well before you decide to relocate there. Of course, if you find an affordable and reliable moving company, such as Spyder Moving and Storage, it will be much easier. Nevertheless, the cost of the relocation doesn’t include just paying for a moving company’s services. You have to plan the cost of living, transport, and whether you are going to rent or buy your new home. How much does it cost to move to Denver is a question that we can give you an answer to. 

What are the reasons to move to Denver?

One of the best reasons to move to Denver is the weather, especially if you are someone who doesn’t like rain or snow. You will be happy to know that there are even more than 300 sunny days in Denver. However, it can also have some bad sides, since the temperatures in summer reach 86 F degrees. Denver boasts one of the biggest municipal park systems in the country, with more than 200 parks inside the city limits and 14,000 acres of parks in adjacent mountain ranges. It also features one of the largest urban bike trail networks, so it is perfect who those who like spending time outside.

But, before you come to the part where you can enjoy all the benefits living in Denver brings, you must learn more about the technical side of things. To answer the question “How much does it cost to move to Denver”, you also need to know the following:

  • How much does it cost to hire a moving company?
  • What is the cost of living in Denver?
  • How much you must spend on transportation when living in Denver?

What are the costs of hiring a moving company when moving to Denver?

How much money you’ll have to pay your moving company to relocate you to Denver depends on many factors. The crucial factor is distance. Of course, you will have to pay less money if you are moving locally than if you have to contact and hire one of the long distance moving companies Denver provides to help you conduct your move. In addition to that, it depends on the number of moving boxes you have and how many movers and moving trucks will be needed for your relocation. If you add services such as packing and storage to the equation, it is evident that this process isn’t quite cheap.

On the other hand, by hiring full moving services, you can get some discounts. You will gain a piece of mind because you will know your belongings are in safe and professional hands. Besides, if you want to pay less while still getting full-quality service, you can choose to move during the fall, when the prices are lower. Typically, avoid moving in the summer, and, if possible, during the weekends.

How much does it cost to move to Denver from far away?

First of all, you need to keep in mind that the precise moving cost can be given only if you have requested a free estimate from your moving company where you’ve provided an extensive and detailed overview of your move. Based on the distance, the weight of the home goods, any unique requests, and the precise moving services required, prices will change. Also, note that if got a non-binding moving estimate, you are under no obligation to hire that certain moving company. You can ask for estimates from several moving companies and compare them. After that, you can decide what company to choose. On average, relocating a one-bedroom apartment will cost you $3,022, while moving to a four-bedroom house would cost $8,178. So, before you contact any moving company, you can at least see if is it even possible for you to try and conduct your relocation to Denver.

The costs of living in Denver

The total cost of living index score for Denver is 116, which is 16 percentage points more than the national average. While prices in Denver are higher for products, services, and transportation, grocery costs are 5 percent lower and utility costs are 20 percent lower than the national average. The anticipated monthly expenses for a family of four are $3,601.53. However, these are the costs without rent or paying a mortgage. Denver is 4 percent more expensive than neighboring Colorado cities. However, it also has more to offer. You shouldn’t hesitate before you call residential movers Denver and relocate. The cost of living is manageable, you just need to plan your budget well.

If you want to rent a house or an apartment in Denver, the place varies depending on the size and location. For example, if you want a one-bedroom apartment, you can pay $900 a month, but only if you are not in the area of the city center. If you want to live near the busiest area, you will have to pay more than $1200 a month. For three-bedroom apartments, the prices go from $1500 to $2100. If you want to buy a house, you should know that the median home price is $585 000 in 2022.

Transportation costs

With an area of 8,414 square miles, Denver is a sizable city. If you reside in the suburbs, a car is generally something you’ll desire. While the national average for regular unleaded gasoline is $3.16, Denver’s average price is $3.50. In Denver, you’ll also do a considerable lot of driving, since the average commute time is 27.1 minutes. On the other hand, the Regional Transportation District of Denver includes 12 rail lines totaling 113 miles in length and more than 170 bus routes that stop at 10,000 bus stations. A single trip costs $3, while a day pass costs $6. Passes for a month cost $114.

Prepare your budget and move to Denver

Even though it is not one of the cheapest cities, the prices in Denver are reasonable. With everything you get there, it is time to call moving companies Denver offers and relocate. If you have wondered how much does it cost to move to Denver, now you know. Plan your budget and relocate.

Can You Be A Pilot With Hiv

Yes, you can be a pilot with HIV. There are no restrictions in the United States on people with HIV from becoming pilots. In fact, there are pilots with HIV flying commercially and in the military. The main concern for people with HIV who want to become pilots is their health. People with HIV need to be in good health in order to fly. They also need to take medication to keep their virus under control. There are a few things that people with HIV should keep in mind before they become pilots. First, they should make sure that their HIV is under control. Second, they should get regular checkups and medical clearance from their doctor. Third, they should tell their boss about their HIV status. People with HIV can be great pilots. They just need to make sure that they are healthy and take care of themselves.

James Bushe, 31, who is HIV positive, is the first person with the disease to obtain a commercial pilot’s license and fly. Bushe revealed in 2017 that he had been barred from enrolling in an easyJet pilot training program. He is currently employed as a pilot for Scottish carrier Loganair after completing his training. According to the CAA, only licensed and insured individuals can fly on airplanes with HIV. As a result, an existing pilot who had contracted HIV could fly, but anyone who was already infected was unable to become a pilot or obtain a commercial license. Chris Bushe, a pilot for Loganair, prevailed in his battle with the Civil Aviation Authority (CA) to become a commercial pilot. He had previously trained as a commercial pilot on his own in Poland, but Loganair offered him one as a result.

Loganair informed him that he was HIV positive before he took off on his first flight. The managing director assured him that the issue would not keep him from getting a job. As part of its review, the European Aviation Safety Agency has implemented new rules informing many European countries’ policies. As a result, Bushe will be unable to fly to destinations such as the United Arab Emirates until further rule changes are made.

Can You Work With Hiv?



When treated properly, HIV patients lead normal, healthy lives, including employment, with the assistance of proper care and treatment.

It is not the decision of every person to work. Many people may not be able to work due to immigration restrictions, such as those affecting asylum seekers. Some people were advised to stop working in the 1980s and 1990s because they weren’t strong enough. People who are HIV positive today are so successful at combating the disease that they will continue to work or want to work. Despite their fears and treatment side effects, some people were determined to continue working. A man who was about to begin anti-HIV treatment explained that he wanted to sleep all day. Other people believed you should not “opt out” of work if you can’t avoid it.

Some people have chosen to opt out completely. As a result, I’m going to get social housing, buy the car, and take everything else. A man was able to overcome his HIV diagnosis by returning to work. Work can also serve as a short-term distraction from worries. One man stated, “I still can’t do 5 days a week.” People may be unable to increase their workloads due to financial difficulties and benefit restrictions. Some people believed that stress from working was harmful to their health, including their mental health, and that their immune systems would be damaged.

One man described it as a “soul-destroying experience.” People who created routines also benefited from the ability to care for other people’s children, such as by caring for their children themselves. A variety of voluntary activities were also carried out by the people, such as HIV counseling, running patient groups at HIV clinics, caring for animals, and walking children to school. Someone who enjoys working and benefits from it. In retirement, he enrolled in a pottery course full time and is now enjoying his time. I want to make something beautiful, something, I want, I would love to, I haven’t yet done anything that I’m proud of. People who participate in voluntary activities believe it will help them regain confidence and gain a sense of purpose in their lives. To get back into a job, you can apply for it through an employment agency. Working in such a setting can lead to an offer of permanent employment, experience gained, and the development of skills and confidence.

Most of the time, HIV will have no effect on your job performance or employability. In other words, there are very few jobs in which an employer has a legal obligation to know that you are HIV positive. According to the Equality Act, discrimination based on HIV status is illegal.
How do I tell my employer I have HIV/AIDS? Your right to a medical leave of absence does not apply in the case of a medical condition that necessitates an adjustment or change in your work schedule. In no way does a medical diagnosis affect an employer’s ability to hire an employee. Your medical records are not disclosed to anyone.

Hiv And Employment: What You Need To Know

An employer may not discriminate against you based on your HIV status, but they may restrict your ability to work based on those policies. When you have HIV, for example, your employer may require you to take a leave of absence or adjust your work schedule. If you require an adjustment or change in your job due to a medical condition, you must notify your employer of this.

Can Pilots Take Truvada?

Truvada will be added to the list of approved medications for aircrew members by September 1. According to Lopez, the Surgeon General’s office believes that waiver requirements are necessary because they allow doctors to better monitor how a pilot or aircrew member responds to a drug.

Pilots Forced To Choose Between Career And Health

Several anonymous members of the military told that they were having to make difficult career and health decisions as a result of Truvada being out of the approved list of medications for pilots. Truvada, as a pilot, is not on the list of approved medications, forcing pilots to make difficult choices about their careers and their health. Truvada is a drug approved by the FDA for preventing HIV, but it is not permitted in the military as pre-exposure prophylactics (PrEP). Although the PrEP is an important tool for HIV prevention, it is not widely available to all. PrEP programs that provide the following features are preferred by military personnel at high risk of acquiring HIV: daily tablet, injection or implant, medical visit provided by a military healthcare provider via a telehealth app, laboratory samples provided on-site, and to be given injections or tablets. It is a danger for pilots to fly in this situation. They are forced to choose between their careers and their health, and PrEP cannot be an option for them. Descovy, as well as Truvada, have been approved by the FAA for PrEP use, but it is not available to everyone. As a result, many pilots are forced to choose between flying and working.

Faa Hiv

There is currently no vaccine to prevent HIV infection, so the best way to avoid getting HIV is to abstain from sexual activity, or to use condoms correctly and consistently every time you have sex. If you are sexually active, you should get tested for HIV regularly.

The application for a medical certificate for an airman with HIV/AIDS is available here. It is obvious that being diagnosed with HIV infection falls under the Medical History preamble of HAVE YOU NEVER IN YOUR LIFE BENDERED WITH HIV OR HAVE ANY OTHER LIKELY LIABILITY INCOME TO YOU. In other words, the OP would indicate Yes by using the explanation box, and then add more information as needed. In my naivete, I had no idea what to expect from the medical. My flight school never made a bid deal or made any sort of information about receiving a medico. If your MedXpress form hints did not include information about your HIV status, medications, or doctor visits, you should start a new one. If you have a MedExpress application and have given the number to an AME during your exam, you can proceed with MedExpress.

A qualified AME can even conduct a pre-flight test with the FAA ahead of time to ensure that all necessary precautions are taken. It is preferable not to hold the actual exam if additional information or tests are required. I submitted my MedExpress to the AME, but it was previously denied due to a drunken driving arrest seven years ago. As a result, I will be the polar opposite of a HIMS AME and the polar opposite of a HIMS shrink. I suppose the best thing to do is to let this unwind and begin again over the next six months. I am not an alcoholic, nor am I on a drinking binge, which is an incorrect response. I have a problem, which is the correct response. This should happen as soon as you meet the requirements. To me, humility and humility are more important than arrogance and a lack of acceptance and change.


Bob’s Journal for 10/20/22

Last Chance for I-Bonds at 9+%

You have only a few more days to lock in a yield of 9.62% on Series I U.S. savings bonds, known generally as I-bonds.

The interest rate on I-bonds is variable and changes on the first day of every May and November. The interest rate is a combination of a fixed rate and the rate of change in the Consumer Price Index (CPI) over the previous six months.

The May 2022 adjustment in the rate caught the rapid rise in the CPI over the previous six months and locked in a yield of 9.62% for the next six months.

The next adjustment will be November 1 and the yield is expected to drop to between 6.4% and 6.5% for the next six months.

Here are some things you should know about I-bonds.

When you buy an I-bond at any time during the month, you earn that month’s interest as though you invested on the first of the month.

The yield is locked in for the next six months. After that, the yield will switch to the current yield.

The yield changes every six months as long as you own the bond. The fixed yield stays the same, but the inflation adjustment changes.

You have to own the bond for at least five years to capture all the interest. Redeem it early and you’ll lose the last three months of interest. You have to own an I-bond for at least one year before redeeming it.

I-bond interest is subject to federal income taxes but not state and local income taxes.

I-bonds can be purchased and redeemed only through the U.S. Treasury, primarily through the web site

They also can be purchased through the mail if you complete a paper application (available through the Treasury Direct web site). But be aware that because of high demand for the bonds there’s a substantial delay in processing paper applications.

You can purchase only $10,000 worth of I-bonds each year if you buy online and $5,000 through a paper application.

There are ways to get around the limit. If you have one or more trusts, each trust has its own limit that is in addition to your personal limit. The bonds also can be purchased in the name of a business, which will have its own limit.

You also can purchase I-bonds through your Treasury Direct account as gifts for family members. If you purchase bonds under the Social Security number of each recipient, each recipient has a separate $10,000 limit.

You can keep the bonds in your account and transfer them or the redemption proceeds to the recipient in the future.

Details of the gift-giving strategies are on the Treasury Direct web site, or you can watch this video that isn’t an official Treasury Department video.

China’s Changing Policies Will Affect Your Portfolio

China’s leader, Xi Jinping, is expected to secure another five-year term this week in China’s version of an election, the five-year Communist Party Congress.

In a speech to the Congress, Xi made clear that China is changing some key policies. These changes became apparent over the last couple of years and now appear to be official and long lasting.

Perhaps most important to investors is economic growth will be a lower priority than it was for most of the last few decades.

The rate of economic growth in China steadily declined the last few years, and that’s going to continue. The country will maintain its zero Covid policy, which hampers growth.

The government also will no longer support and encourage the overbuilt and overleveraged real estate sector that recently accounted for as much as 30% of the country’s gross domestic product (GDP).

China’s focus will shift from economic growth to increasing its security and becoming a more dominant global political power.

Ensuring the dominance of the Community Party and its policies also is a major goal. The country will continue its recent policies of restricting companies and economic sectors that become dominant. Individual wealth will be limited while “common prosperity” will be encouraged.

These changes matter to individual investors in the United States because China’s economy has substantial effects on the global economy. China has been a major buyer of commodities, both industrial commodities and food and other soft commodities.

Many companies sell a significant portion of their products and services to China and base a range of business decisions on estimates of the country’s growth and economic policies. Growth in China has a significant impact on the revenues and earnings of many companies.

China also has been a major buyer of global bonds, especially U.S. Treasury bonds.

A reduction in China’s growth rate will have widespread follow-through effects. Investors need to factor the likelihood of an extended period of lower growth in China into its investment choices and estimates of future investment returns.

Lock in High Yields on Cash with a Couple of Clicks

Interest rates rose rapidly in 2022 but yields on many savings vehicles haven’t kept pace.

Yields still are less than 1% for many checking and savings plans and brokerage sweep accounts.

Many people don’t realize that cash in their brokerage accounts can be repositioned quickly and easily to grab higher yields.

For example, on TD Ameritrade’s website, after logging in you can roll the cursor over “Trade” and then click on “Bonds and CDs.”

The next page will show you a table of the yields available on different fixed income investments, and the first line will have a sample of certificate of deposit (CD) yields.

Click on the investment period that fits your goals. The next page will list CDs from banks around the country that offer competitive yields, listing their maturity dates and yield information. You can move your cash into one or more of these CDs with another click or two.

This week, there are one-month CDs with annualized yields of 2.90%, and three-month CDs with annualized yields exceeding 3%. Why earn less than 1% on a broker’s or a bank’s cash account when these yields are available and easy to access?

Many bank websites let you reposition cash into their CDs, but most banks have been slow to raise yields on their CDs and savings accounts. A brokerage firm shops the country and offers you a range of yields from different FDIC-insured banks. Brokered CDs are a good place to hold cash.

The Data

The Consumer Price Index (CPI) increased 0.4% in September, the highest level in three months.

The core CPI (which excluded food and energy prices) increased 0.6% in September, the same level as August.

Over 12 months, the CPI increased 8.2%, as of September, which is lower than August’s 8.3% level. But the core CPI increased 6.6% as of September. That’s the highest 12-month rate since 1982.

Retail sales in September were the same level as in August, which followed a 0.4% increase in August from July’s level. Over 12 months, retail sales increased 8.2% as of September, and that’s a five-month low.

Core retail sales (excluding automobiles, gasoline, building materials and food services) increased 0.4% in September.

Keep in mind that the retail sales numbers aren’t adjusted for inflation, so some changes in retail sales reflect price shifts instead of different volumes of goods and services purchased.

The Consumer Sentiment Index from the University of Michigan increased a little from the end of September to mid-October. The index, as of mid-October, was 59.8, the highest level in six months and above the 59.6 level registered at the end of September.

The Empire State Manufacturing Index declined to negative 9.1 in October from negative 1.5 in September. That’s the third consecutive decline in the index. Businesses responding to the survey indicated they don’t expect business conditions to improve in the next six months.

Industrial production increased 0.4% in September, bouncing back from a 0.1% decline in August. Over 12 months, industrial production increased 5.3%.

Manufacturing production increased 0.4% in September and 4.7% over 12 months.

Pessimism continues to increase among home builders. The Housing Market Index from the National Association of Home Builders (NAHB) declined for the 10th consecutive month in October to 38. It was 43 in August and was twice the October level six months ago.

The October level is the lowest since August 2012, except for the months early in the pandemic.

The increase in mortgage rates to around 7% is the major factor in the latest decline in the index. Also hurting the new home market are high home prices and continuing supply issues.

The latest data on housing starts shows the home builders’ pessimism is warranted. Housing starts declined 8.10% in September from August’s level. Starts in September were 8.10% lower than they were 12 months earlier. In August, starts were 13.7% higher than 12 months earlier.

New unemployment claims increased by 9,000 to 228,000, a six-week high. A five-month low in new claims was registered only two weeks earlier. Some of the increase was a result of Hurricane Ian’s impact on Florida.

Continuing unemployment claims increased to 1.368 million from 1.365 million.

The Markets

The S&P 500 rose 3.74% for the week ended with Tuesday’s close. The Dow Jones Industrial Average gained 4.51%. The Russell 2000 increased 3.85%. The All-Country World Index (excluding U.S. stocks) added 2.81%. Emerging market equities advanced 1.65%.

Long-term treasuries lost 1.54% for the week. Investment-grade bonds increased 0.17%. Treasury Inflation-Protected Securities (TIPS) added 0.18%. High-yield bonds gained 2.02%.

On the currency front, the U.S. dollar declined 1.05%.

Energy-based commodities fell 2.59%. Broader-based commodities declined 2.96%. Gold dipped 0.89%.

Bob’s News & Updates

My next book will be “Retirement Watch: The Essential Guide to Retiring in the 2020s.” The official publication date is Jan. 3, 2023. You can make a pre-publication order or learn more about the book by clicking here and here.

My latest book is “Where’s My Money: Secrets to Getting the Most out of Your Social Security.” It’s received mostly five-star reviews on Amazon for telling you clearly what your benefit options are in different situations and how to determine the best choice for you. You can find it on or

The number of regular viewers for my Retirement Watch Spotlight Series continues to increase. You should sign up because I make in-depth presentations of key retirement finance topics. You can watch these online seminars from the comfort of your home or office at times you choose. To learn more about my new Spotlight Series, click here.

A recent five-star review of my book, “The New Rules of Retirement” on said, “A complete retirement guide! One of the best books on this topic!” Click for more details about the revised edition of “The New Rules of Retirement.”

If you’re interested in my books, check my author’s page.

I’m a senior contributor to the blog. You can view my contributor page here.