Friday the 13th comes a day early

As the title says, Friday the 13th came a day early for @mrsbozz and I. We were minding our own business heading home from Sam's Club when suddenly a deer jumped into the road and avoiding it was impossible. Both the deer and us were okay as far as I know. The deer jumped up out of the ditch and took off at a sprint. The car I was able to shove some of the plastic pieces back together and at least get us home.

While we were sitting on the side of the road we gave our insurance agent a call to see what we needed to do. Specifically I was curious if we needed to wait around for the police to take a report or since there was no property damage beyond our own and there were no other cars involved if we could just call and place a claim.

He said we could just call and place a claim, so like I said, we made our way home.

Clearly the damage could have been much worse. The airbags didn't even go off, but it sucks because we haven't even had this car for two months now and we have already had to get the windshield replaced due to an errant rock and now this. Being an adult sure does suck sometimes.

The good news is, we have good insurance and although our premium will likely go up now, our deductible to get all the body work done is only $100 USD. That's the thing, we pay a higher premium each month so that we can have a low deductible. When you go to your insurance company and try to negotiate a lower premium, they often do it at the cost of having a higher deductible.

Now, since insurance is one of those things you pay for but hope you never have to use, you might be comfortable taking that gamble. Personally, I am not, so we pay more to lessen the burden when stuff like this happens.

I bet you were wondering how I was going to turn this into a Friday Finance post didn't you? Well there you go!

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It is time again for another Finance Friday/Friday Finance. This is a series I started where I talk about random bits of financial stuff that I have seen, gathered, or experienced during the week. I hope as a reader you find it informational, entertaining, or both. I also hope it can generate some good discussion and edify the Leo community.

DBOND

If you haven't been paying attention, the DBOND tokens for the DAB project created by @raymondspeaks and @silverstackeruk have now sold out. This was the first or second batch of tokens. They expect to release at least one more batch, but not for a bit yet. I've said in the past that I went into this a little more heavily than I had planned.

It seems like a good project and I have already seen a bit of return on my investment. With a prolonged average of something like 15 to 20 percent returns, it's one of the more stable and secure programs out there. The fact that all of the DBOND is backed by Hive is also pretty cool. You don't get that assurance in some of other projects out there.

Just a quick reminder, you need to have the DBOND token staked to earn DAB. Also, it's a lottery system, so staking DBOND doesn't guarantee you DAB. It's just the luck of the draw. Finally, staked DAB earns you more DBOND, unstaked DAB earns you Hive. Unstaked DBOND earns you absolutely nothing.

Chintai

I've been following the Chintai program for a while now. They have done some pivoting over the course of the past couple of years. Based on the EOS blockchain, it's a token that is probably not on many people's radar. In fact, most people try to avoid anything EOS related like the plague.

I picked up some of their CHEX token when it was relatively cheap hoping that I could one day flip it for a profit. That hasn't happened yet, but I also haven't given up hope that it could one day.

I just saw the news yesterday that Chintai has partnered with DNZ Venture Global to offer tokenized carbon credits. It feels a lot like what the VET token that I talked about last week is already doing, but hey, if this gives CHEX more of a use case, then I am not going to complain.

I learned last week that some people out there have some pretty strong opinions about carbon credits, but hey, if you were looking for something to swap your worthless EOS into, this might be an option.

Witness Votes

I wanted to give you another reminder that @nuthman is a long time Hive user, but first time witness on the blockchain now. If you haven't checked your votes in a while, be sure to hop into that part of your prefered front end and give him a vote.

He mentioned to me the other day that the price feed wasn't working for his witness, so he took the time to go in and fix it. The little things are important to him. Look at the witness list and check to see how many of them have an accurate price feed.

I'm not going to disparage anyone or call anyone out, but it's important to realize how much @nuthman cares about this blockchain.

If you are a witness or account that has people proxying their witness votes to you, please take the time to consider placing one of your votes for @nuthman.

Python and Beem

I've been saying for a long time that I would love to try and learn a bit of Python programming. My three biggest problems are the fact that 1. I haven't programmed in probably 20 years. 2. I wasn't very good at it when I did it. 3. finally, I couldn't think of a problem that required programming as a solution.

That changed yesterday when I realized there was something I wanted to find on Hive, but couldn't find the tool to do it. That doesn't mean the tool isn't out there, but I figured this might be a good chance to try and make my own. Even if it is for my own personal use.

You might notice I am being a bit cryptic about what I am planning to do. That's mostly because I don't want to get a ton of comments saying "oh, you can do that here already". The fact that I might be making something new and fresh makes it more exciting for me.

Whether it's actually that new or fresh is yet to be determined, but keep an eye on my blog because I will be posting about it if I am able to achieve my end goal.

Thanks in advance to @slobberchops for the help he has/will give me on this. It's safe to say I am a bit rusty!