Biological physics – Polkinghorne http://polkinghorne.org/ Wed, 29 Jun 2022 01:25:59 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://polkinghorne.org/wp-content/uploads/2022/01/icon-2022-01-25T202759.511-150x150.png Biological physics – Polkinghorne http://polkinghorne.org/ 32 32 How to Get Rid of Debt After You Retire Ipass https://polkinghorne.org/how-to-get-rid-of-debt-after-you-retire-ipass/ Wed, 29 Jun 2022 01:25:56 +0000 https://polkinghorne.org/?p=712 In retirement, it’s ideal not to carry any debt. According to research, credit card debt has been linked to increased stress and even bodily suffering. Older folks who don’t have to deal with the stress of caring for aging parents find it much more straightforward when it comes to managing their money same day @ […]]]>

In retirement, it’s ideal not to carry any debt. According to research, credit card debt has been linked to increased stress and even bodily suffering. Older folks who don’t have to deal with the stress of caring for aging parents find it much more straightforward when it comes to managing their money same day @ ConsolidationNow.

A massive 543 percent increase in debt among Americans over the age of 70 was reported by the Federal Reserve Bank of New York between 1999 and 2019. Reports from Experian in 2021 indicated that those in their late 70s and early 80s had an average credit card debt of $6,230, while those in their late 70s and 80s had an average credit card debt of $3,821.

There has been a rise in the number of persons in their 70s and beyond who have credit card debt, mortgages, and college debts.

Frugality is a virtue, not a vice.

Creating a budget can help you keep up with your debt payments more efficiently. Make a list of all your necessary and optional spending, and don’t forget to add your monthly debt payments under the mandatory heading. 

Compare your monthly revenue to that list. Cut down expenses if your income isn’t covering them. You already know what to do: borrow books and DVDs from the library, cook at home, etc. If you don’t pay your bills on time, you’ll be slapped with late penalties.

Tracking your spending will help you discover where your money truly goes, which can help you save money in the long run. If you keep track of every dime, you’ll be able to discover where you can save money. For your accounting needs, you have a variety of options. You may avoid credit card debt by using cash instead. If you can’t pay off your monthly amount, you’ll be saddled with exorbitant interest rates. To save the hassle of going out to purchase, consider joining Buy Nothing groups on Facebook, where you can receive what you need at no cost.’

Think about how you want to live.

One option to reduce your spending is to minimize your housing costs, which is often a significant line item in most budgets. That might mean downsizing your current neighborhood or moving to a more affordable place.

A collection of appealing and economic retirement destinations may be found at Money’s Best Places to Retire. It’s possible to get some exercise and save money by living in a walkable neighborhood. To the degree that you can get rid of petrol, insurance, and car payments for one of your cars, it will free up money to go toward your debt.

The government and other local organizations may assist qualified older individuals in paying property taxes or making house repairs if they wish to remain in their current residence. With the support of a roommate, it is possible to stay in your house—this initiative in New York City screens and matches prospective housemates.

Seek the advice of an expert.

While white DIY methods might be effective for some, getting out of debt shouldn’t be ashamed of obtaining professional assistance. Creating a Debt Management Plan (DMP), an alternative for aggressively paying back creditors at a reduced interest rate, typically costs money; however, many credit counseling networks provide free credit and budgeting services. You should only work with a counseling service that has a good reputation.

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Lecturer in Biological Physics job with KINGS COLLEGE LONDON https://polkinghorne.org/lecturer-in-biological-physics-job-with-kings-college-london/ Tue, 11 Jan 2022 08:00:00 +0000 https://polkinghorne.org/lecturer-in-biological-physics-job-with-kings-college-london/ The Department of Physics is seeking to appoint a Lecturer in Biophysics to undertake cutting-edge research in the area of ​​Biological Physics within the Biological Physics and Soft Matter (BPSM) Group and play a leading role in the delivery of high quality undergraduate and postgraduate programs. . The incumbent will have research interests in experimental […]]]>

The Department of Physics is seeking to appoint a Lecturer in Biophysics to undertake cutting-edge research in the area of ​​Biological Physics within the Biological Physics and Soft Matter (BPSM) Group and play a leading role in the delivery of high quality undergraduate and postgraduate programs. . The incumbent will have research interests in experimental and/or theoretical biophysics with the aim of consolidating and diversifying existing research within the Department, which currently includes experimental work in super-resolution imaging; fluorescence microscopy; Atomic force microscopy, Raman spectroscopy; the mechanics of single molecules and cells and the physical principles of immunology, combined with coarse-grained and all-atoms simulations. To this end, areas of particular interest include, but are not limited to, mechanobiology, molecular motors, natural and nature-inspired molecular machines, statistical mechanics, and bio-inspired active matter.

The Department of Physics has a distinguished scientific tradition since its founding in 1829. We are committed to excellence in education and research with a wide variety of research-oriented bachelor’s, master’s and postgraduate programs.

The Department of Physics at King’s College London is diverse, international and friendly with a positive atmosphere of collaboration and support between research groups. We currently hold a Silver Athena Swan Award and Institute of Physics (IOP) Juno Champion status. We provide a welcoming environment and welcome applications from candidates from all walks of life.

Celebrating diversity and supporting staff is important to us and we offer a range of arrangements including flexible working, care support (including a Parents and Carers Fund and the Career Development Fund for Carers ), training and a variety of diversity and inclusion networks. Staff can request flexible working to help them balance the demands of their work and personal commitments and we offer comprehensive leave policies for parental, adoption, surrogacy, dependent and shared leave.

The Faculty of Natural Sciences, Mathematics and Engineering (NMES) includes Chemistry, Engineering, Computer Science, Mathematics and Physics – all departments are highly rated in research activities and have a wide range of educational programs. The university invests in NMES and the number of students and employees increases. Our staff come from over 45 countries and 56% of our students come from outside the UK. KCL staff are primarily located at the Strand campus in the heart of central London, more details available at https://www.kcl.ac.uk/nms and https://www.kcl.ac.uk/physics

This position will be offered on a permanent contract.

This is a full-time position – 100% full-time equivalent

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