bullet journal 2025-10-27T18:00:07Z

Bull SearchSearch and sort dairy bulls industry wide from your device. The Bull Search app includes genetic evaluations on Holsteins, Jerseys, Brown Swiss, Guernseys, Ayrshires and Milking Shorthorns. Users can search for bulls by their short name, NAAB code or registration number to view their genetic data and pedigree information. Ideal Commercial Cow (ICC$) index values are available on GENEX Holstein and Jersey bulls.Active bulls can be added to a favorites list(s), sorted or filtered by a m

It was supposed to be a dream vacation in Barcelona—tapas, Gaudí architecture, and lazy afternoons by the Mediterranean. But dreams have a way of curdling into nightmares when you least expect it. I remember the moment vividly: the sun was dipping below the horizon, casting a golden glow over Las Ramblas, and I was sipping sangria at a quaint sidewalk café. Then, a jostle from the crowd, a fleeting sense of unease, and my heart plummeted. My purse was gone. Vanished. Along with it, my cash, cred

Rain hammered my windshield like angry pennies as I white-knuckled the steering wheel through Barcelona's chaotic streets. That ominous grinding noise from the engine? It wasn't just metal fatigue - it was the sound of my financial stability shredding. I'd been freelance-coding across Europe for three months, with earnings scattered across four banks and two currencies. When the mechanic's diagnosis flashed on my phone - €1,200 for immediate repairs - cold panic seized my throat. My spreadsheet

Rain lashed against the café window as I stared at my third espresso, the bitter taste mirroring the dread pooling in my stomach. My freelance design payment had just landed - €850 from a German client, $1,200 from New York - but my bank app showed nothing but sterile numbers swimming in a sea of conversion fees. How much was I actually earning after PayPal's predatory exchange rates? Did I have enough for rent after that impulsive vintage typewriter purchase? My fingers trembled punching digits

Rain lashed against the grocery store windows as I juggled a dripping umbrella and three reusable bags. The cashier's robotic "Do you have our loyalty card?" made my shoulders tense. Of course I did - buried somewhere in the leather monstrosity weighing down my purse. As I frantically dug through expired coupons and crumpled receipts, the teenager behind me sighed loudly. My fingers finally closed around the plastic rectangle just as the cashier announced: "Sorry, this one's expired." That momen

That sinking feeling hit me at Spinneys during Friday rush hour. My cart overflowed with groceries for a dinner party starting in 90 minutes. As the cashier scanned the final item - imported cheeses mocking my impending humiliation - I patted empty pockets. No wallet. Just my phone blinking with 7% battery. Behind me, a queue of impatient expats tapped designer shoes while my cheeks burned crimson. Then I remembered: contactless payments through Payit. One trembling finger hovered over the NFC t

The humid Barcelona air clung to my skin like cheap plastic wrap as I fumbled through my empty pockets. Gone. My wallet—vanished somewhere between La Rambla and that sketchy tapas bar. Passport, credit cards, €200 in cash... poof. Panic clawed up my throat, sour and metallic. I was stranded in a city where my Spanish amounted to "hola" and "gracias," with nothing but a dying phone and the clothes I’d worn since dawn. That’s when my trembling fingers found it: the BGPB Mobile app icon, glowing li

Rain lashed against the bookstore windows as I juggled three hardcovers in trembling arms. That familiar dread crept in when the cashier asked for my membership card - buried somewhere in my abandoned purse across town. Just as embarrassment flushed my cheeks, the barista from the café counter called out: "Use your phone! Scan the thing!" MyValue's crimson icon became my lifeline. With a slippery thumb, I pulled up my digital ID, watching the scanner blink green. That triumphant beep echoed loud

The alarm blared at 3 AM – not my phone, but the panic in my chest. Another credit card payment deadline had slipped through the cracks. I scrambled in the dark, sheets tangling around my ankles like financial obligations, fumbling for my phone. The glow of the screen revealed the damage: $87 overdraft fee, a declined coffee purchase that morning, and three payment reminders screaming in unread emails. My knuckles whitened around the device. This wasn't just forgetfulness; it was a suffocating c

Rain lashed against the supermarket windows as my toddler erupted into screams, knocking cereal boxes from the lower shelf. I scrambled to collect them while balancing my phone between cheek and shoulder - Mom was asking what time we'd arrive for dinner. At checkout, the cashier's expectant stare made my palms sweat when I realized my physical loyalty card was buried under baby wipes in the diaper bag disaster zone. That moment of public humiliation, juggling a squirming child while digging thro

Rain lashed against the train windows as I clutched three overstuffed grocery bags, each handle digging crimson trenches into my palms. The 6pm sardine-can commute had left me sweating through my shirt, and now the Lawson's checkout line snaked toward the steamed-up door. My stomach dropped when I saw the salaryman ahead fumbling with coins - his trembling hands scattering 1-yen pieces across the conveyor belt like metallic confetti. I instinctively tightened my grip on the bags, bracing for the

My hands were shaking as I frantically patted down my pockets at the crowded farmers market. Somewhere between the organic kale stall and artisanal cheese counter, my physical wallet had vanished. Sweat trickled down my spine as I imagined canceled cards, identity theft nightmares, and explaining this to my partner. Then I felt the familiar rectangle in my back pocket - my phone. With trembling fingers, I pulled it out and opened Google Wallet. The digital cards glowed reassuringly on screen. At

My palms were slick with sweat as I sprinted through terminal chaos, boarding time ticking away like a timebomb. Luggage wheels screeched behind me while I fumbled through empty pockets - the physical wallet was gone. That gut-punch realization: no ID, no boarding pass, no payment cards. Just a passport-less idiot facing missed flights and humiliation. Then my thumb instinctively found the phone's edge, muscle memory triggering that life-saving upward swipe.

Rain lashed against the bus window as we rolled back from the away game - another victory, another empty pocket. I traced a finger over my phone screen, watching highlight reels of my game-winning interception go viral. Thousands of shares, hundreds of comments... and $1.87 in my bank account. That's when my teammate shoved his phone under my nose: "Stop sulking. Try this." The screen showed a sleek interface called Playmakaz with a golden football icon. Skepticism warred with desperation as I d

Wind howled through the Atlas Mountains as my jeep sputtered to death on a desolate Moroccan road - no civilization in sight, just sand dunes swallowing the horizon. My throat clenched when the local mechanic demanded cash payment after rebuilding the fuel pump. "No cards, no repair," he shrugged, wiping grease-stained hands on his djellaba. I stared at my last 50 dirhams, barely enough for water. Panic tasted like copper as I scanned the barren landscape - no ATMs for 100 kilometers, no Western

Rain lashed against my studio window like shards of broken promises that Tuesday evening. I'd just deleted the draft of my resignation email for the third time, fingertips numb from cold and indecision. That's when the notification sliced through the gloom - not another work alert, but a simple serif font against deep indigo: "Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying 'I will try again tomorrow.'" I actually laughed through the snot and tears,

Rain lashed against the window as I stared at the cracked screen of my dying laptop, its final flickers mirroring my frayed nerves. Deadline ghosts haunted my periphery - client projects stacking up like unpaid bills while my only productivity tool gasped its last breaths. That familiar panic rose in my throat when I added the replacement to cart: three digits that might as well have been three zeroes after my bank balance. My finger trembled over the cancel button until I remembered the blue ic

That sinking feeling hit me again as I stared at my bank statement - another month where Amazon packages piled up by my door while my savings evaporated. I'd convinced myself each purchase was essential: the ergonomic keyboard for remote work, the organic bamboo sheets promising better sleep, the air fryer that would magically transform my cooking habits. Yet here I was, eating instant ramen for the third night straight, surrounded by unopened boxes of impulse buys whispering "you fool" every ti

The scent of fresh paint still lingered in our hallway when reality gut-punched me. Standing in what should've been our dream kitchen, contractor estimates spread like toxic confetti across the granite countertops, I finally ran the numbers. My breath hitched - the renovation costs would force us into predatory loan terms. Sweat prickled my collar as I frantically compared lenders on my phone, each tab revealing worse rates than the last until my thumb froze over a banking app I'd installed duri

Rain lashed against my office window as I stared at another late-night online shopping cart filled with overpriced conference supplies. My finger hovered over the checkout button, that familiar wave of financial guilt crashing over me. That's when my phone buzzed - a notification from that red icon I'd installed months ago and promptly ignored. "15% cash back at Office Depot," it whispered, and in that damp Tuesday twilight, Rakuten became my accidental financial therapist.