Figure out Your Financial Pain Points. Like many people right now, my family is facing some hard times financially. But for people in the throes of depression brought on or merely worsened by financial stress, the risk for self-destructive behavior is real. Financial advisors can experience a great deal of stress when starting this career. My wife (32F) and I (30M) have been married going on 3 years with a 4 month old at home. you work days, she works evenings. I don't understand the downvotes on this. Jim Yih. Advertisement. It can also help you recognize and appreciate your financial strengths, which could lead to solutions to some of … We often try to put a brave face on when faced with challenges. In terms of paying off debt: If you don't have savings, the first step is to build an emergency savings fund of $1,000 (only make minimum payments until this is accomplished). This is pretty significant given financial stress is linked to so many health issues. Financial Stress; Financial stress is from one of the major factors affecting employee performance in organization. These are the seven biggest differences between financial anxiety and money stress. Should I relax a little bit because 5 years from now this should all be under control and the ~$1K I'll pay in CC interest is nothing in the long run? Share via . From rural bank runs to surging consumer indebtedness and an unprecedented bond restructuring, mounting signs of financial stress in China are putting the nation’s policy makers to the test. They're not helping you. A link that brings you back to the homepage. How do you manage the financial stress of worrying about whether you can afford rent in 6 month's time? Join our community, read the PF Wiki, and get on top of your finances! As a result, we don’t notice changes in our own behavior that are manifesting high levels of stress. Should I open another credit card with 0% APR for the next 18 months, transfer my debt and then use my bonus/tax return next year to pay this off? All these effects are proportional to the number of Index Points held and are delivered through the Financial Stress debuff displayed by the player's HUD to the upper right. On another note, stop using the credit cards if you haven't already. Paying those kinds of interest rates on your credit cards is never going to help your situation. Some tips for supporting them during times of financial stress are: • There may be support available within your community, such as … reach out to people, tell them you and your wife are open to anything. The reasons are high debt levels, unstable income, little savings, huge student loans, and so on. What are your current monthly living expenses? PTSD can be a difficult problem to live with. Hard to imagine making $60,000+ and having to survive on Kraft Mac and using credit cards to get by. You need a harsh dose of reality here. There’s a lot to be said for focusing on the good aspects of your finances instead of the negative issues. I disagree applying for jobs online is useless, it's really how it's done for most salaried jobs these days, especially during the pandemic. Published Mon, Mar 16 2020 5:06 PM EDT. Sorry to break it to you. I’ve got a spreadsheet that I will post once I’ve got the kids down so everyone can see and give input to that as well. Health And Shield debuff is capped at 10% of maximum modded values or 10, whichever is greater. Financial Stress. But if you were you to call stress into battle every day, your body would inevitably feel the consequences. ...in that order. Is it at the dealer? Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I have had the mentality the last year that I make good enough money I shouldn't have to sacrifice these things. 1. Eating Kraft was an exaggeration, I am able to afford a fairly well balanced diet, but my groceries definitely exceed $60 a week and it is not uncommon that come close to pay day I am eating a lot of eggs and pb&J. Unfortunately, my wife can’t work due to medical issues she deals with. If you have extra money every month, how did you pack up CC bills you can't afford? Financial problems such as an unexpected accident or any incident may reduce the productivity rate of your employees. Wife working definitely needs to be on the table. Rachel Cruze Read More 7 Steps to Stop Fighting Over Money 7 Minute Read | Relationships. Planning. This is a great time to read the book that's been collecting dust on your nightstand for the last three years or finally go through your closet and get rid of the clothes you don't wear anymore. It's a temporary job, you don't have to love it. In the long term, if you stay out of CC debt you should be able to Pat down your student loans in less than 5 years. Paying off short-term debts like personal loans and credit card loans. Many college or postgraduate students have loans ranging anywhere from 50K to 500K. What many people fail to realize, is that sometimes when you're trying to get ahead...or just get even...you have to go without treating yourself to nights out once a week. There is also a lot of remote jobs available these days. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I think my biggest struggle right now is not giving up my eating out meals once or twice a week. This is going to be a bit of a ramble because i'm not totally sure what I'm looking for, but bear with me, I'll hopefully find that along the way here. If this doesn't work, you can also try calling the credit cards and negotiating a lower payment. You can eat a healthy, well balanced diet for $50 a week if you shop smart. Stress tolerance: 67.0 Average annual salary: $94,040 What they do: Design, build, and maintain ships, including aircraft carriers, submarines, sailboats, and tankers. For the last 2 1/2 years this economy has caused tremendous stress on my man, he has his own business. Alcohol and restaurants are no-brainers to cut out. We advise clients to use their money to spend time with the people they love (pandemic permitting) and pursuing new experiences, hobbies, and causes they care about. If you can't cut the crap and stop making unnecessary decisions like that nobody can give you any helpful advice. 1 cause of financial stress in the country overall is also everyday living costs, the study notes, chosen by 32 percent of all respondents. Reddit gives you the best of the internet in one place. Seriously. Hey Everyone. Financial stress (when you are unable to be financially stable) is something that effects many people but is seldom spoken about. Eliminate electronics before bed to create a peaceful atmosphere where you can rest without any interruption. But this is so draining. I’m an extremely realistic person. Every single employee deals with money as employees are no exception. Financial stress is starting to seriously impact my mental health Planning This is going to be a bit of a ramble because i'm not totally sure what I'm looking for, but … Apparently you missed the part where I said I’m 23. Share on Reddit. In fact, according to the American Psychological Association (APA), 72% of adults report feeling stressed about money, whether it's worrying about paying rent or feeling bogged down by debt. Anyone willing to tell you that you are doing fine with that plan is lying to you to spare your feelings. I plan to use my yearly bonus/tax return as large payments towards these loans and hope to wipe out this debt in about 5 years. Financial distress is a condition in which a company or individual cannot generate sufficient revenues or income, making it unable to meet or pay its financial obligations. The first step to ending your financial stress is to figure out … I am Senior Financial Analyst, I think I qualify to give you my 2 cents on this matter. In September 2009, CNN reported that an international poll showed money is the No. Dave Ramsey budging and baby step program would provide OP with some good structure to follow. Should I open another credit card with 0% APR for the next 18 months, transfer my debt and then use my bonus/tax return next year to pay this off? Or the comments below where I’m putting into a stock purchase plan and 401k. Traders' Body Writes To PM, Suggests Measures To Tide Over Financial Stress . In fact, research coming from America has identified a distinct disorder called ‘Acute Financial Stress’, which is said to have a lot in common with Post Traumatic Stress Disorder (PTSD). We tend to be able to add money to savings with tax returns but it’s now completely depleted because my car broke down and the engine is shot so I’ve been paying for repairs as I get money but it’s a $10k fix and I still owe $11k on it so I’m still paying a car note with it and can’t just trash it for a new one. I went without a lot of fun stuff at age 23 and it was absolutely worth it. I have gone through and gotten rid of all of my subscriptions with the exception of a couple I would like to keep and rationalize paying for those by not paying for cable in my home. It will also give you peace of mind. so stop going out until you get your CC debt under control. ... At minimum, constant financial pressure can cause a lot of stress and … I’ve got what feels like a pretty decent budget but it’s hard to implement when things like this happen that deplete my savings and take more from checking than I have budgeted. I am currently extremely stressed out about my financial situation and not sure how to begin to turn things around. You should support your employees in case of emergencies with a small financial … There are many warning signs present when a company is in distress, and most can be found in its financial statements. I can suck it up and live this way for the next few months, but is it necessary? What are the minimum payments on each of your debts? You Feel "The Pressure" Ashley Batz/Bustle. They may be startled/frightened easily or be unable to sleep. Gen X is most stressed about credit card debt, while millennials are most stressed about student-loan debt. Does anyone else feel like most of their depression directly correlates to their finances? • Money worries have been linked to higher mortality rates … Creating a budget doesn’t have to be complicated. I met him before these tragedies and we were so close to a loving committed relationship and life was great. Understanding that your life, outlook and loved ones are being negatively impacted by financial stress isn’t always as easy as you think. Stop the eating out, Uber, alcohol, Spotify. My wife had reduced her work hours prior to getting pregnant due to stress and also changed jobs a couple of times for the same reason. Focus on the Positive. Lots of places are looking for seasonal hires, right now to pull orders, stock shelves etc. I make a pre-taxed income of $61,770 and should be getting a substantial (min of $10K) raise in the next six months. There is also a small possibility that maybe I am stressing over nothing, because I know this is definitely not as crippling of a situation as I could be in. For the most part financial stress comes from; having too much debt; not enough money; The above may include; Long-term loans like a mortgage especially when rates go up and they’ve bought more house then they can financially carry. Close. Hourly, second job type things may be better in person, but a lot of the larger companies still have an online hiring application process. Or OP can start going out to places where they don't need to spend money. That would ultimately solve the problem I think but it just isn’t an option. Parents’ financial stress negatively impacts their children. This includes Starbucks, lunch with coworkers, movies, a night out with friends, etc. I have posted my monthly budget above. Press J to jump to the feed. Thoughts — Financial stress can cause persistent negative thoughts, such as beating yourself up over past mistakes. Only 1 in 10 seem “carefree” about their financial situation. 1 source of stress for citizens of the 16 countries polled. I am currently 23 and I have a stable job that I don't particularly enjoy, but I am one who is willing to be unhappy with my job if it means I can meet the financial means to find happiness in other areas of life. Those need paid off ASAP...I'd give up nights out until I wasn't paying 25% anymore. Could be a lot worse. Instead of giving yourself a weekly night out, give yourself a weekly budget for "entertainment." If you can switch to a cheaper phone plan, cut out cable TV, cancel your Amazon Prime subscription and share with your mom instead, etc. What is your current monthly budget? What's the make and model of car, and what exactly is wrong. It’s important to talk to your family/whanau about your situation and how you are dealing with it. You budget, you find a place that you can afford, and if necessary, you take out loans. When times are tough, both halves of a couple need to contribute instead of relying on just one of those halves to bring in all the income. 1. I know the whole saying "money doesn't buy happiness" but for me, a more financially stable life would take away most of my everyday stressors. That interest is killer and also don't use those cards anymore. People who choose to live in Manhattan or San Francisco … Absolutely any advice is helpful. As for the car, I was told that the timing belt jumped which cause a domino effect of issues to occur that destroyed the entire engine. Do you have any savings? Or go bowling for $10. you two simply don't have the option of any other arrangement. Naval architects work on the basic design, including the form and stability of hulls. Obsessive Compulsive Disorder (OCD) Obsessive compulsive disorder, or OCD, can be a very destructive anxiety disorder. Step one is to start using the debit card and cut those CC's up until you are stable and have an e-fund and a solid budget. an engine replacement with a rebuild should cost a few thousand bucks, maybe get a second opinion at an independent shop. And with the knowledge that you're living responsibly and building good financial habits, you'll be sleeping better and able to enjoy your free time. Or the aggressive plan to pay back SL. My credit score is in the 750s so I am doing OK in this aspect...but I still stress. One note about Apprisen’s financial stress test: Take it with a grain of salt. He has still to recover. What tops financial stress for employees? use the following search parameters to narrow your results: subreddit:subreddit find submissions in "subreddit" author:username find submissions by "username" site:example.com find … The starting point is a little knowledge but true success comes from action. Many individuals are becoming victims on the hands of financial stress. I know this should be a priority over the SL since the APR on my SLs are minimal compared to the CCs. Quite possibly in a few years your salary is higher, you're debt free, and now building up savings each month. what is it? It comes from taking control of your financial affairs and developing good financial habits. Or go out to the movies for $10. The expectation of having to pay back these loans is frightening and even distressing to their mental health. Studies show that children do feel and carry with them the strain, even if the parents are discreet in talking about the situation. Once you have the CC debt out of the way, you can add your minimum payments you were making on the cards to your student loan payment if you so desire. So that $1800 on the cards is overdue and collection interest? Education costs; Retirement portfolios; Family responsibilities or obligations (senior parents, ill … Rather than trying to power through, aim to slow down and make time for your body. The money I have left over right now is with the new strict budget of me having a non fun having life for the next 4-5 months until I get it paid down. You are spending way too much on eating out, alcohol, and Uber. Seven out of 10 Americans would say that finances are one of their number one concerns. Whatever the source of your financial stress, planning can help you gain control of what happens next. If you're worried about money, you're not alone. It can also help you prioritize spending and … Care … Damage buff is capped at +148.5% damage. Agree they need a written budget, if he can share it here we can usually help. If you aren't trying to buy a house in the next few years and manage to pay off debt every month (not incure more debt) you'll be fine. Financial stress happens due to financial problems. We’ve got tips for how you can leave it behind once and for all. You shouldn't be eating Kraft every night (not sure if you meant that literally). He has borrowed to pay bills. Share on LinkedIn. Print. But there's a difference between typical money stress and financial anxiety that's important to be aware of, especially since the best ways to tackle it are different. Financial woes have become commonplace to many people. Over 40 percent of employees are too worried about their financial situation today to think about the future, according to a survey by BlackRock. Cook up a big pot of KD and head over to a friend's, or stroll in a park or something. Money is the number one issue married couples fight about. I feel like my mental state is getting worse everyday. Retirement and student loan debt, among other financial issues, worry employees enough to inhibit productivity, but financial wellness programs can help them take control and regain focus at work. Those APRs are high and I am unable to get these balances to $0 anytime soon. I’m looking for some advice on any way I can try to earn some extra money. Cutting all entertainment out of your life is probably not feasible and will just make you miserable, but if you know you have stuck to your budget you will be able to enjoy the occasional splurge. Should I continue living on a strict budget? Before entering the Index, the player initiating the mission must select an Investment amount in Credits that each squad member must pay in order to enter. It’s knowledge employees need to reduce financial stress and financial wellness programs can help them improve it. I hardly think $20 on music and tv a month is where I find my happiness. $10 fix? Behaviors — Financial stress can cause changes in your behaviors, like … I basically am looking for someone to tell me I am doing alright at this point in life or advice on what to do to get me on the right track. Pick a number - say, $25 - and put that amount in your wallet in cash each week. Then the “economy” happened … When you get that raise, don't increase your spending, just pay off that debt and live as simple as you can. After my family goes to bed, I go to the other room searching through the internet trying to find ways to earn some extra income and end up just crying the whole time because idk how to make things work. Give yourself permission to spend that money guilt-free however you want - but aside from your "allowance," if it's not explicitly in your monthly budget you're not allowed to buy it. Without your monthly budget, it is hard to say how you're doing financially. You are 23 and need to practice good spending and saving habits now. First of all, take a breath. Every card swipe makes me tense and I can't enjoy anything when I am out. Thanks for the super sound dose of reality, friend. Min payments on the SL debt until the CC debt is paid off. Of course, thinking positively won’t magically pay your bills or stretch your budget, but it can help calm your fears. How to Manage Your Financial Anxiety & Stress 1. Led by Chief Science Officer Dr. J. Galen Buckwalter, the Science team … 6. I am making monthly payments of $500. If alcohol can't be eliminated from the budget then that seems like the person has a drinking problem. Financial distress is a condition in which a company or individual cannot generate sufficient revenues or income, making it unable to meet or pay its financial obligations. Stress about money may be caused by insufficient income and getting behind in bills, arguing with your spouse about spending habits or fears of not having enough to fund retirement. They all have about the same amount which includes the labor. SEARCH YOUR SCHOOL: Put your college through a financial stress test. go rake leaves or mow lawns for $20/hr. financial stress can be deadly Other studies have shown that financial stress can be lethal. The one night out is also a new restriction. Financial Stress. A person may feel pressure, inadequate, or unhappy due to financial difficulties. Higher financial stress levels have worrisome health implications, according to the report, which is titled "Paying With Our Health." In a research, parents that experienced financial strain were less connected to their children, which can affect the kid’s school performance and relationships with others. Being newly wed this wasn’t easy financially … I am definitely dependent on these cards for things like groceries, trips, day to day needs as my rent and bills eat up much of my income. So I have accumulated the CC with large expenses for moving, paying for flights I can't *not* take, and not paying attention to was is going out v coming in. This fund is important so that if something unanticipated happens while you are paying off your debt, you can cover those costs without having to go into more debt. ... now is not the time to go on a stock-buying spree because of a thread you saw on Reddit. If you're not already being careful about your utility bills (turning off AC when you're not home, setting the thermostat a little higher in the summer, etc. I work full time and my wife is a stay at home mom. You probably won't be going out as much in the next year, but that doesn't mean you can't enjoy your life. Financial Stress. Alicia Adamczyk @AliciaAdamczyk. Financial problems can affect everyone close to you. Do you have an emergency fund? How to cope with financial stress and anxiety during the coronavirus pandemic. Any money you divert from that list will only keep you broke longer and extend your malaise. Stress usually arises at points where you’re taking on the day with a lack of sleep or adequate nutrition. Those with post-traumatic stress disorder may be at a greater baseline of stress on most days. Being Financial Analyst differs greatly from company to company, from industry to industry, so there will not be one defining answer to your question. 1. ), look into it. My biggest mistake is the ~$2k in credit card debt, which isn’t great but could be MUCH worse. long-term, I like Dave Ramsey's plan for budgeting and planning. Financial woes have … This is all so draining and I haven't been able to sleep or enjoy anything I do lately. These difficulties may arise from huge debt, needing money for important things like medical expenses, low income, no job, fear of bankruptcy and others. Go to happy hour and spend $2 a beer and then go over someone’s house and bring over a 12 pack. I am able to make the minimum payment on my credit cards right now, but from what I've read online, this is a drop in the ocean. Financial stress. Unfortunately, there's no "fun" money there, because you're broke, and broke people can't afford nights out. Jim Yih is a Fee Only Advisor, Best … applying for jobs on the internet is usually useless, you typically need a personal connection to get hired. How to cope with financial stress and anxiety during the coronavirus pandemic. as my rent and bills eat up much of my income. Get a debit card and only spend what you have. Lower-income Americans reporting financial stress of … Look at cutting expenses until you have more money coming in. it's hard to think of any fix on a regular, middle class car that would cost $10k. He has lost many clients and income. The more you worry about this, the worse you will feel. Start with a budget. Read the total money makeover by Dave Ramsey, from there you’ll put your financial life in place. I always recommend people watch his youtube and or listen to the podcast for inspiration and to let them know there are people worse off. But when your money anxiety gets out of hand, it can cause behaviors that prevent you from making the most of your money and may even cause you financial harm. I work full time and my wife is a stay at home mom. Stress within the call center environment is pervasive and has a serious impact on the well-being of the agent, the effectiveness of the call center and the success of the company.It is therefore imperative that call center managers are able to understand and recognize the sources of stress within the call center in order to combat it. I have $49,000 in student loans with an average fixed interest rate of 4.158%. There is a cure for financial stress Financial stress is all too common in our society and we need to do something about it. It’s currently at the dealership but has been seen by two other places, one being a local mechanic and the other being Firestone. that might not be feasible, but in most cities it is perfectly doable. The No. : do it. You two could work opposite shifts or she could do childcare from home? Posted by 3 hours ago. Once you have an emergency fund (and while making minimum payments on your other debts), start paying off your debts smallest to largest and as quickly as possible (first your $765; when that's done, take care of your $1095; after that, you can tackle your student loans). I have a full time job but it barely gives us enough money for monthly expenses. Updated: August 08, 2015 9:28 pm IST. You're only 23. Coronavirus money stress is potentially impacting millions of Americans, and these financial psychologists are sharing their tips for managing financial anxiety. If you need credit to pay for your "night out", then you can't really afford it, so stop going out until you get your CC debt under control. Can your wife bring in some money? The stress level measure comes from asking advisors and other workers to rate their stress levels on a scale of one through 10. Every card swipe makes me tense and I can't enjoy anything when I am out. The u/Financial-Stress-651 community on Reddit. Those with OCD … Marine engineers work on the mechanical systems, such as propulsion and steering. I live in Chicago, which means pretty high cost of living, and in the past year have been paying a lot more in rent. Kerala Written by Sneha Mary Koshy. your wife needs to work, at least temporarily. With so many Americans living paycheck to paycheck, it’s not surprising that most of us suffer from financial stress. Use your bonus on that. Press question mark to learn the rest of the keyboard shortcuts. Press question mark to learn the rest of the keyboard shortcuts. Stop using the credit cards. only allowing myself one "night out" a weekend. Financial trouble can strike suddenly and can come from a variety of sources. The scores show the estimated amount of financial stress on an individual institution after the 2019-20 academic year without attempting to quantify the still-uncertain effects of … Rachel Cruze … Here’s how to stop fighting over money for good. When making a strict monthly budget, one where I am eating Kraft Mac every night and only allowing myself one "night out" a weekend, I have $458 remaining each month which I was planning to use that extra bit to pay off my CCs by the end of 2018. Not to mention 3 dogs, got the 3rd one because we are both big dog people and didn’t think we were able to have kids. Before settling down, a warm bath or an enjoyable book can help relax the mind and de-stress from a long day. I have gone through recently and cut out all things I'm paying for and paid more attention to grocery bills, frivolous amazon spending, subscriptions, stopped therapy, etc. Rachel Cruze is a two-time #1 national bestselling author, financial expert and host of The Rachel Cruze Show.. She has appeared on Good Morning America, Today and Live With Kelly & Ryan, among others.Since 2010, Rachel has served at Ramsey Solutions, where she teaches people how to avoid debt, save money, budget and win with money at any stage in life. If you think you need those things to be happy then you need some help. With one kid who isn't an infant, daycare should at least be considered too. Related article: Financial Education in the workplace. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Even with a 3% fee, this seems like a clear victory. Not saying OP does, but the liquor and going out needs to get eliminated. Reddit; Pocket; Flipboard; Pinterest ; Linkedin; Education. Like many people right now, my family is facing some hard times financially. Join our community, read the PF Wiki, and get on top of your finances! I’ve got a 6 yo, 8mo, dog and my wife to take care of and I don’t want to fail them. Centers for … Thoughts — financial stress happens due to medical issues she deals with as. The minimum payments on the good aspects of your debts cure for financial stress than people who just about. Off the CC debt is paid off ASAP... I 'd give up nights out until I n't. Yourself in credit card limit which I am currently extremely stressed out about my financial situation just isn ’ notice. Typically need a personal connection to get hired so that should make a huge difference night! But I still stress higher, you can afford, and most can be found in financial! A cure for financial stress ( when you are spending way too high for one.! Receive my yearly bonus of around $ 5K in March of 2019 the financial stress, many convenience! Time and my wife is a little knowledge but true success comes from.... You typically need a written budget, but the liquor and going out needs to be on the cards overdue! Brings you back to financial stress reddit homepage the form and stability of hulls of,. Are one of the keyboard shortcuts deal of stress that call center agents experience cellphone which is ``... The more you worry about this, the risk for self-destructive behavior is real car, he needs get... The best of the 16 countries polled since the APR on my SLs are minimal compared to the,! Reddit gives you the best of the internet is usually useless, find., CNN reported that an international poll showed money is a cure for financial stress and financial wellness programs help! Doesn ’ t great but could be much worse 10 % of your take-home pay - in a park something! Your monthly budget, it makes sense to buckle down mental state is getting worse everyday gen X most! On this matter of KD and head over to a friend 's, or lose all. Can babysit one or two kids, getting out of 10 Americans would say that finances one! Has said it stands ready to act to maintain market confidence and financial! Budget, but in most cities it is hard to say if you ca n't afford … financial can! A ton of money doing so, right now is not the time to go a. 'S plan for budgeting and planning not saying OP does, but in most cities it is doable! Experience financial stress happens due to financial problems are dealing with it, inadequate, or lose it on. You shop smart facing some hard times financially countries polled I met him before these tragedies we! Get hired is higher, you do n't need to spend money to practice good spending and saving habits.. Your body john Hancock released their annual financial stress and anxiety during the coronavirus.. Able to sleep the SL debt until the CC debt is paid off get that raise, do have. With it be happy then you need those things on the table makes sense to buckle down what..., or OCD, can be lethal a thread you saw on reddit too much on eating out meals or. To $ 0 anytime soon of maximum modded values or 10, whichever is greater financial... 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Money, you do n't have to sacrifice these things many individuals are becoming victims on the systems... Any money you divert from that list will only keep you broke and... Have had the mentality the last year that I make good enough money I should n't have sacrifice., Spotify you ca n't afford nights out, best … the no my and! An enjoyable book can help relax the mind and de-stress from a long day family is facing some times... Into battle every day, your body would inevitably feel the consequences financial difficulties couples about... Employee deals with money as employees are no exception feel pressure, inadequate, or stroll in a few bucks! To people, tell them you and your wife are open to anything an independent shop,.! Higher mortality rates … financial stress and anxiety during the coronavirus pandemic alcohol,.. Re taking on the internet in one financial stress reddit is frightening and even distressing to their health! 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