#99% of the time you end up paying extra money for worse benefits

[briwhosaysni]

Ok, after over a year of explaining to adults, often age 40+, some very basic things about insurance at my job, I've decided to give you all a crash course in health insurance from someone who works in a clinic, because no one teaches you this stuff even though it's Really Important. Under a cut, because this is gonna be long. (Also, I apologize, this is specifically for insurance in the US. I have no clue how it works anywhere else.)

10 Things to Know About Health Insurance and Medical Bills:

1. Plans

Your plan is all of the details of what your insurance covers, and how, and where, and when. Do they cover a certain treatment? If they do, will they only cover it a certain number of times? Is there a specific place you have to get that treatment? These are all part of your coverage (aka your benefits), and will vary depending on your plan. Every insurance company has many different plans which will cost different amounts and have different coverage. This means that you can never assume something is covered for you just because it's covered for someone else who gets insurance through the same company. It also means that if you call a clinic (especially one you haven't gone to yet) and say "I'm with [insurance company]. Will they cover [service]?" 90% of the time they won't be able to tell you. They won't have access to all the specifics of your plan. To find out, they would need your insurance information, and time to call your insurance company. It's honestly much better to call your insurance company directly and say "Hello, I want to go to [clinic/provider] for [treatment]. What would my coverage be?"

2. In-Network vs. Out-of-Network

Every healthcare provider that takes insurance (doctor, nurse, PA-C, therapist, etc.) has a list of insurance companies that they're in-network with, and ones they aren't. Whether or not a provider is in-network determines how much your insurance will pay for you to see them, if at all. If your plan has out-of-network benefits, then your insurance will pay for you to see a provider who isn't in-network, but they probably won't cover as much as they would for someone who was. If you don't have out-of-network benefits, then your insurance will ONLY pay for appointments with providers who are in-network. How do you know if you have out-of-network benefits? Call your insurance. A clinic can usually tell you if if they, or a certain provider in their clinic, are in-network, but they can't generally tell you what your benefits are.

3. Deductibles

Your deductible is the amount of money that you have to pay in a year before your insurance will start paying a decent amount for things. They'll usually still cover small portions of your bill, but you'll be paying the most of it until you pay all of (aka "meet") your deductible. This amount varies wildly between plans. It could be as low as $100 or less, it could be as high as $5000 or more, or you might not have one at all. And, it resets at the start of each year. If your deductible is $1000 and you spend $500 on healthcare in 2019? You'll still need to pay the whole $1000 in 2020 to meet it for that year.

4. Out-of-Pocket Limit/Maximum

Some insurance plans have a certain amount of money you can spend on healthcare in a year, after which point they'll cover the costs 100%. This is your out-of-pocket limit/maximum. Generally your copay, deductible, coinsurance, and all that stuff will go towards your out-of-pocket limit. So if your plan has an out-of-pocket limit of $8000, for example, then if you spend $8000 on healthcare in that year, your insurance company will cover the full cost of any more treatments. No copay, no dedectible, no coinsurance. Not every plan has one, and the amounts differ, so check with your insurance what you have.

5. Copay

Your copay is the amount of money that you have to pay when you go in for an appointment. Often it will be lower for a regular doctor's visit than a visit to a specialist. The vast majority of clinics require you to pay this when you check in for your appointment, and if you don't there will often be an additional fee. Some plans don't have a copay, and some do. Some plans don't require you to pay a copay after you meet your deductible, some do. If you're not sure what your plan has, call your insurance and ask.

6. Coinsurance

Coinsurance is the portion of your bill that your insurance will pay AFTER you meet your deductible. For instance, most plans will cover one annual check-up with your regular doctor (aka your primary care provider) at 100%, which means after you meet your deductible, they'll cover the entire cost of that visit (minus any copay). An extra visit might be covered at 70%, which means that for a $100 appointment, your insurance would pay $70 and you would pay $30. Again, if your insurance still requires you to pay a copay after your deductible is met, then you'll be paying both the copay (at the time of the appointment) AND the coinsurance (after the appointment).

7. Referrals and Authorization

Many insurance plans will require a referral and/or pre-authorization in order for you to see a specialist, or get certain tests or procedures done, or to see out-of-network providers. This is basically just your doctor's office contacting your insurance in advance to say "Hello, [patient] needs to get this procedure/see this provider, because of this specific problem/condition. Would you please pay for it?" Then your insurance company will review the request and either say "Yes, this seems reasonable and is covered by their plan. We will pay for it," (aka "approval") or "No, this treatment doesn't seem medically necessary and/or isn't covered by their plan," (aka "denial"). Sometimes if authorization is denied, your doctor can call your insurance and talk to them to try and convince them that the procedure is medically necessary. Or, sometimes they can get authorization for a different but similar procedure instead. (I work in a sleep clinic and often see insurance companies deny in-lab sleep studies, so patients will get take-home sleep studies instead, for example.) Please note that authorization is NOT a guarantee that your insurance will cover your visits/procedures 100%. It just means they’re agreeing to pay whatever portion is dictated by your plan, rather than making you pay for the whole thing on your own.

If your primary care provider refers you to a specialist, their office is the one that will need to request authorization, if necessary. A specialist clinic cannot generally refer a patient to itself.

8. Getting Information

I know I've said several times that if you're not sure about part of your plan, you should call your insurance. This is true, but I also know that phone calls suck. HOWEVER, there's often another way. Most major insurance companies have websites where you can make an account, and look at an overview of your plan, see how much of your deductible you've met, and even find in-network providers near you. And if you're on your parents' insurance, you can still make your own user account, so don't worry that you might have to have them make one and give you the login info. You may still have to call your insurance company if you have specific questions you can't find answers to online, but for basic information, this can be a great resource.

9. Updating Insurance

I know it can be hard to remember, but if your insurance plan changes or you switch to a different company, please please please call your doctor's office(s) to update it as soon as possible. You really don't want to show up to an appointment only to find out that you're not actually covered, or you needed pre-authorization or something. Let clinics know in advance so they can prepare as needed. Also, check with your new insurance beforehand to see how similar/different the plan is to your previous one, and whether you might need a new referral, or to find a new provider or something.

10. Billing Coordinators

And finally, if you're confused or worried about a bill from a clinic, the Vast majority of them will have a person you can talk to in their billing department about it. You may have to call ahead to schedule a time, you may not (though it's still nice to give advanced notice), but many times you can ask to talk to them in-person or over the phone, and they'll be able to go over your bill with you, explain what the charges are for and how much was covered, and spot any errors if there are any and fix them. They can also often give you cost estimates for procedures before you schedule, which can be helpful for budgeting and scheduling. (Though bear in mind that an estimate is just that: an estimate. They can't know for sure what the final bill will be until after your insurance pays them.) And if you have to pay a bill but don't have enough money right then, many clinics (though not all) will allow you to set up a payment plan, or to only pay a portion at a time. This is also something a billing coordinator/billing specialist would help with. In general just don’t be afraid to talk to the billing department if something seems off about your bill. If your insurance isn’t paying for something they should or something like that, the clinic is going to want to know about it and get it sorted out.

This isn't everything you'll ever need to know about health insurance ever, obviously, but hopefully it'll help you understand the basics. And as a bonus, stuff like deductibles and coinsurance work very similarly across all types of insurance: health, dental, car, etc., so understanding one better will help you with all of them.

[seyaryminamoto]

(1/2) What if the reason Bryke left was because Netflix wanted to give Azula a redemption arc? Or maybe somebody wanted to change the first scene of the show so that Katara wasn't with Sokka when he went fishing and so Aang wasn't unfrozen until years later... *whistles innocently* And they realized this route would allow them to make a longer series, meaning more content, meaning more profit. Jokes aside, I realize both of these options are 99% not the reason Bryke left, but imagine if...

(2/2) they were? Like, how funny would that be? Well, the latter possibility would be sort of funny, while the former would be somewhat depressing actually. Anyway, I'm surprised how many people are complaining about Bryke's departure. From what I've seen, people primarily shit on them and any praise in regards to ATLA goes to other writers/artists. I already didn't have any high expectations out of the live-action version, but this latest development didn't really worsen them much.

x’D not wrong about the second option being hilarious, though I’d hope I’d have heard something about it, if just out of sheer decency by Netflix to contact the cruel mind behind not sending Sokka fishing with Katara... (?)

Anyways, Bryke’s involvement in ATLA’s writing is often up-played by casual viewers, and downplayed by hardcore fans. There’s no sure way to know how much work they did on ATLA’s writing, seeing as there’s a fair amount of reports that suggest Aaron Ehasz, imposed on Bryke by Nickelodeon, reeled the story into what it became. I’ve even seen people claiming Bryke’s original ending would have featured Aang leaving Katara and Sokka behind while flying off to find more airbenders after the show ended. Not half as feel-good an ending as the show’s, right? Then there’s also reports that male!Toph was going to be in a love triangle with Katara and Aang... adding Zuko to the mix, as he often was added by extra ATLA content, Katara was likely to have three possible love interests, if Bryke had gone forward with this? Considering how Korra outright had three different love interests in ALL the members of her gang, this doesn’t sound like that outlandish a claim, whether there’s real sources for it or not. If they were willing to do it with Korra, I’d believe they’d have done it with Katara.

Ehasz is indeed credited for female!Toph and Azula, in the art book (I think) Bryke are outright featured saying Ehasz is the main artificer behind Azula being who she was, rather than Zuko’s older brother (Bryke’s original concept for her character). With this in mind, when Ehasz comes out and claims that, in a hypothetical book 4, he would have redeemed Azula to also finish Zuko’s personal character arc, and then Bryke show up claiming there NEVER was a book 4 possibility, you get a clearer understanding of where Bryke are likely standing in regards of Azula’s redemption :’) if that’s what Netflix wanted (... though I question they’d have pitched it since the get-go), it’d be no surprise that Bryke wouldn’t hear of it.

There’s no denying Bryke had interesting ideas, and that they worked to build a pretty complex world, but we cannot know how much of that world was solely their doing, and how much of it was also created by the input of the larger team of writers involved in ATLA’s original show. LOK, on the other hand, features a clusterfuck of worldbuilding that doesn’t always make sense, including no shortage of retcons (not only of pre-existing lore, LOK even retcons itself up to three times regarding explaining why and who decided to keep Korra in a compound for most her formative years), terribly written romance (whenever it’s written), poor storytelling decisions that outright derrailed their show and even turned their protagonist into the B-plot for the bulk of the final season... and what a coincidence that this time Bryke had no one breathing down their necks telling them what to do: they had a lot more creative freedom in LOK than in ATLA. There was no Nickelodeon imposed Head Writer, and they didn’t bring Ehasz back of their own volition. Whether because Ehasz isn’t that great to work with or because Bryke simply didn’t want anyone else to poke their noses into THEIR story, Bryke didn’t want any supervision over LOK. And as many loud fans as LOK may have, LOK’s storytelling quality simply doesn’t measure up to ATLA’s, and I refuse to blame Nickelodeon for that when all evidence indicates Bryke had no idea what they wanted for Korra in the first place.

What I’m saying is... Bryke do seem to benefit from having someone else reeling in their ideas, probably providing genuine structure, making them seriously reason with WHERE they’re taking the story. This, going by ATLA’s much clearer structure, is something I’m willing to believe Ehasz offered, and something Bryke lacked, by their own volition, in LOK. It’s also something they lack in the comics, seeing as, up to date, they haven’t done anything in them that really lives up to their potential, as far as I know. “The comics don’t have any direction and aren’t advancing their world’s story” has become a far more frequent complaint with each newly announced and released comic volume, whether by supportive or antagonistic fans. Why might that be...?

It’s possible, of course, that Netflix’s team simply isn’t the kind of team Bryke can work with positively. Maybe they’re too stiff, maybe they’re not that creative, maybe they’re unable to compromise and it’s not all on Bryke?

But with the precedent Bryke has set (ATLA, with supervision, manages quality storytelling, despite its many flaws, whereas LOK, without it, is a storytelling failure), I wouldn’t be surprised that they were outright unwililng to compromise their own ideas after experiencing the full freedom of working on LOK without anyone telling them what to do, and that upon finding they wouldn’t have that same freedom this time, they quit. 

Does this mean the show will automatically be better or worse? Eh... beats me, frankly. There’s no denying Bryke did endeavor to develop a large, unique world with the Avatarverse, but as much as the fandom believes otherwise, what made the Avatar world unique wasn’t merely that it wasn’t “white”. This particular qualm by the fandom feels really narrowminded to me, and I’m not saying this because I believe there should be white people in Avatar, hell no: what I do mean is that ATLA had an Asian setting, but the narrative frequently imposed western values on it. They recreated many elements of Asian cultures, but morally? ATLA couldn’t be more western. Is that a good or a bad thing? Beats me. But there’s a lot of occidental influence in ATLA’s narrative, even more of it in LOK, and that somehow doesn’t bother people nearly as much as it bothers them that the liveaction cast isn’t western in the least. Yes, it’s true, the cast shouldn’t be western: but there are many regards in which the original ATLA could pioneer a better understanding of many Asian cultures, and it doesn’t. Even something as complex as the Fire Nation’s cultural practices (no, I don’t mean the genocide and supermacy, I mean everything else) is outright blasted by the show’s western moralism from the get-go rather than seen as what a different culture values (already offered a few thoughts about this on this other ask).

Therefore, in terms of casting, which seems the main concern of the bulk of the fandom, I highly doubt Netflix will be willing to repeat the same mistake M. Night’s fiasco committed. They can’t be that stupid. They’ve done a lot of big diversity efforts in the past, whether insincere or not, in many regards, so I seriously doubt they need Bryke sitting in the casting booth repeating “NO WHITE ACTORS! NO WHITE ACTORS!” to the top of their lungs to remind Netflix's executives that this just can’t happen. Seriously, if that’s what their input for the show was supposed to be about, Netflix was better off saving up the money of hiring those two as main consultants or executives and using that coin to pay the likely lousy salaries of the non-white actors they’ll surely hire :’) I doubt, seriously, that Bryke’s problem had anything to do with white casting. If Netflix entered this deal and didn’t do their homework first, then they’re basically dooming themselves since day one and the show would suck with or without Bryke’s involvement. This is not impossible, but really stupid, and an absolutely failed business venture to jump into.

In the end, I don’t know what that liveaction will shape up into. I don’t exactly care much either, which is why I didn’t really debate this subject before answering this ask... I’m pretty detached from canon these days, as things stand. I can’t even bring myself up to reading the plot of the Kyoshi novels, no matter if people keep telling me they’re ~actually good!~, let alone will I want to rewatch ATLA in liveaction when I’ve become increasingly infuriated by liveaction remakes with each new one Disney releases :’) from the moment it was announced, I knew this remake wouldn’t be for me. It’s not likely they’ll do anything with it that I’ll really want to see, or that they’ll change things in a way that resolves my frequent complaints about the show’s storytelling mishaps. Therefore, I’d always meant to leave it be and let everyone else enjoy it...

... And Bryke’s absence from the project doesn’t really change my mind on that front. At this point, crediting them for the entire success of ATLA is incredibly naïve, especially seeing how none of their later projects have even come close to ATLA’s level of storytelling quality. Likewise, it’d be naïve to assume Netflix is guaranteed to do better without Bryke’s “meddling”. If anything, without Bryke’s likely persistence that the show be kept close to its roots, Netflix is bound to fall into its frequent, known tendencies of pandering to certain crowds at the cost of quality storytelling because Hollywood overused and bad tropes are where success is at! They’ll likely flatten characters, turn them into edgy, non-humorous versions of themselves, not unlike in M. Night’s film, and then everyone will hate the show anyways for offering such dull and simplistic characterization compared to the original :’)

In short... there’s no winning scenario. There really isn’t. I assumed there wouldn’t be one anyhow, from the get-go, at least for myself? But now that Bryke are out, the fandom is divided in about four factions: 

The ones who will watch and support the liveaction no matter what.

The ones who think it will suck balls because Bryke aren’t in it.

The ones who think it will be an improvement because Bryke aren’t in it.

The ones who won’t watch it no matter what.

Me... I’ve been in camp #4 from the start. Bryke being part of this project didn’t reassure me, neither does their absence... and I’m still as convinced this show won’t be my thing today as I was when it was first announced. So... *shrug* we live and let die. I mean, first of all we have to wait and see if the show’s production will even survive the pandemic first, so we can worry about how bad or good it will be if Bryke’s departure + COVID-19 didn’t destroy it altogether already :’D

[spidypool]

Tales From Bed Bath & Beyond

So I’ve decided to start a little series called “Tales From Bed Bath & Beyond”.  For those of you who follow me you know I’ve been working there for almost 4 years now. And honestly this store is one giant mess. It wasn’t always like that mind you.  But it is now.  My sister says I work in the real life Superstore (never seen the show but I’ll take her word for it).

I’m writing these little tales 1. Because so many incidents happen I can never remember them all, 2. One day I’ll probably wanna look back on these, 3. I’ll have a ton of stories to tell me niece and nephews, and 4. For @ladysnowstorm​ because she LOVES hearing all about the Bed Bath and Beyond drama.

This first post I’m just gonna give some background so anyone who wants to read them will have an idea of the set up.

Alright lets start with the store and the ranking. So in BBB it goes:

Store Manager (can tell what this is by the name)

LOD aka Leader On Duty (just the senior who is currently in charge because the store manager can’t always be there)

Senior (head Managers of the store)

Department Supervisors (the managers of each store department)

LEAD aka I have no idea what that stands for ¯\_(ツ)_/¯  (they are just Department Sups but just without the extra responsibility)

Associates aka the bottom of the food chain

Maintenance (change my mind these guys are the bottom of the food chain)

*There are other parts and stuff but this is all that you guys should know

See I’m an associate. Officially. However I’m treated as a manager and most of the managers obey me so hey I am a manager just without the title, the pay, and well the actual authority.

Now I work at the largest BBB in the world located in NYC. It’s 3 stories tall PLUS the warehouse. Customers only have access to 2 of those levels.  The store is so large it is divided into smaller departments. I’m sure other stores do this but they probably don’t have it divided up so much. Anyways they are:

Frontend which includes

Checkout

Customer Service

Home Delivery

Cashroom

Hardside

Seasonal

Seasonal Electronics

Small Appliances

Kitchen Basics

Pots and Pans

Utilities

Soft Side but really called Lifestyles

Vacuums

Cleaning

Tabletops

Closet and storage

Bath

Candles

Rugs

Towels

Shower Curtains

Bath Essentials

Bedding

Bedding

Furniture

Window Treatment

Frames

HBC aka Health & Beauty Care

okay this ones obvious but beauty stuff

and some random cleaning

Gormey Foods

food

Registry

Baby Registry

Wedding Registry

Also Luggage

And Fancy Dishes

Inventory Control

damaged products and such

Warehouse

where extra stuff is kept

Office

People who answer the phones

Secretary stuff

Human Resources

Scan

they order stuff for the building

LP aka Loss Prevention

they deal with stolen stuff

full of a bunch of idiots

Training

they train the staff on well anything

Okay well I think that everything that matters really. Anyways I’m part of the Frontend Staff! But not only that I’ve every department of the Frontend. Which is well a lot of work.  Plus I’m backup to the office. Just means I answer phones and am generally bored out of my mind 99% of the time.

So now that you know about the ranks and the building set up what about the most Important part. The people!

Seniors/LODs

Sha-tanna - my favorite LOD she’s the bomb funny thing though we actually could not get along to save our lives and it wasn’t until I started working in the Cashroom that suddenly we worked great together. Go figure.

Darnell - used to be my Frontend Manager and we got along great until he was promoted and the power went to his head. He won’t shut up at all. Is always talking and is generally considered the most annoying guy around. You can literally hear him from down the hall. But all in all he’s not the worse boss and sometimes I like him but sometimes I wanna strange him.

Anthony Illarti (we just call him Illarti cause there are a ton of Anthony’s in the building) - he is a bitch. Just putting that out there. He’s a bitch.  He’s rude to people, says the most inappropriate things, frankly he doesn’t know how to work with people. But he can be a good boss?  I mean considering most of the people we work with are terrible he’s not the worse? IDK how to describe him. He’s like 80% of the time terrible but 20% good so yeah...

Quincy - he has no idea what he’s doing like ever.  I usually end up telling him what to do because OMG he cannot handle anything.

Twed Jacket (I can’t remember his name so shoot me) - thinks he know everything doesn’t know anything and fucks shit up trying to boss us around and just GETS IN THE WAY. Like holy shit just go you make our lives SO MUCH HARDER. Just GO.

Kathleen - a stupid fucking cunt. Yes yes I said that. I know.  I tried to give her the benefit of the doubt but HA she proved everyone else was right about how awful she is. She literally knows NO ONE’S names. Only the people she hates. If you tell her no at anytime she will find a way to DESTROY you. She also knows nothing, can’t count, forgets to do her job all the time like remembering to lock the door. I cannot say anything good about her. She is the worst.

Managers

Joey - he’s bath and lifestyles. He’s a good guy. Kinda short, gay, and an annoying dude but in a fun way.

DeShaw - hardside.  Freakishly tall, really reliable, and a good guy.

Ronald - hardside. We don’t really talk. He’s okay-ish at his job.

Alex - HBC. Is kinda like that annoying little brother type.

Steve - HBC okay so he’s not a manager but I swore up and down he way and then I found out he wasn’t so he’s going on this list cause he SHOULD be.  He teases everyone all the time like ALL THE TIME. It can get annoying.

Victor - bedding. He was Frontend but couldn’t hack it. Being honest here.

Rochelle - bedding. I know nothing about her at all. We’ve spoken like twice.

*There are some others but I cannot remember their names so not important here or to my stories.

Frontend Managers (there are so many they get their own section)

Ms. B - customer service only. She’s a good boss but she also hates me. I have no idea why. Also I actually like her.

Shelina - frontend only. Okay ya’ll this is the person I will talk about the most. She’s THE BOMB. The Badass MVP. She actually runs the entire frontend cause everyone else is stupid idiots and have no idea what they’re doing. Like at all. She makes the schedule, orders products, sets up everything, puts away the products, I mean it she does EVERYTHING. I work with her a lot. She’s taught me everything I know. Literally the best person and I love her. You guys are going to hear SO MUCH ABOUT HER.

Dumescus - I hate him. He tortured me for months. Bullied and treated me like shit. He flirts with all the women and if his flirting doesn’t work well he hates you. He literally has a group of girl squeal at every word he says.  He does nothing even though he’s given all the responsibility and treated like he’s in charge of the whole department. Only thing he actually does is fix the registers.

Tiffany - we started at the same time and are friends and as much as I love her she has no idea what she’s doing. But she does have one of the biggest hearts. She’s fed me when I planned on going hungry to save money. And she has a positive attitude. She technically a department sup but she doesn’t act like it. She is a good person and a good friend but she panics at even the slightest pressure. She acts like a LEAD doing on the basics of her job. The Bare minimum.  She seriously need to start acting like a leader.

Celeste - a LEAD. I like her as a person. She’s also the best person to close Customer Service when you’re in the Cashroom. She’s also the youngest LEAD. And the thing is when I started she used to be a badass LEAD. She was great at her job used to give it 110%. I honestly don’t know what happened. Now she does nothing more than the bare minimum. Hell she even stops me from doing the other parts of my job to make sure I “stay on a register”.  Even when we have 6 open cashiers and no customers. I like her a lot but whatever happened to her she stopped being a great LEAD and just fails all the time.

Jessica - a LEAD. The gossip Queen. A very likable person.  But being likable doesn’t mean you’re a great or even good boss. She does nothing. When she started he was so eager to learn but no she disappears to gossip with people. Never comes back and just does the basics. It’s sad really. All the potential just wasted.

Sanshia - a LEAD. I hated her, I liked her, I hated her again, now I like her again.  She was for the longest time the most hated LEAD. She was a bitch to everyone and no one wanted to work with her. Something happened and now she’s actually good to work with. Not that she does anything more than the basics. Seeing a pattern guys? Everyone does the basics and pons off their work onto others if given half the chance. Sanshia is no exception.

Kenisha - a LEAD. A literal baby who cries when she doesn’t get what she wants, throws fits, and is just petty. Funny thing is she’s proven she can actually be good at her job she just chooses not to.  She is actually the most hated LEAD right now because of how horrible and childish she acts. It’s just terrible.

Marsha - she gets her own spot because she secretly runs the whole store. Her offical job is head of the office but really she’s girl Friday.  She makes sure everything is running and knows everything. Frankly she’s the bomb and a lot of people are terrified of her. IDK why. I actually have a total crush on her... She so awesome and pretty.

Now I could talk about all the associates but I’m not going to because the staff is ridiculously large and they come and go so often that there’s not too much of a reason to bother.  But you’ll hear more about then as I tell you guys about what happens at my store.

There’s also other people in other positions I could mention and I have a ton of stories to tell you all ready but I’m not gonna cause they’re all stupid people as you’ll learn soon enough.

Okay so I know I just threw a lot of fact at you thanks if you’ve stuck it out this far but from now on all my Bed Bath and Beyond Tales will be fun stories or awful things that happened. Eh we’ll just see what happens.

[catsandtruecrime]

Your MLM is a pyramid scheme, not a “small business,” hun.

Hey, girlie! I saw your profile and wanted to reach out to you! I was wondering if you’d be interested in learning a little bit about a terrible business opportunity that’s more than likely not going to make you THOUSANDS every month working from home like you were told it would! It’s called Beachbody/Monat/Color Street/Scentsy/HerbalLife/ItWorks/LuLaRoe/Mary Kay/doTERRA/(insert any one of thousands of MLMs here) and you’re making a huge mistake.

Along with true crime and chameleons, one of my latest 2020 obsessions has been MLM companies, how they operate, and how negatively they impact most people who become involved with them. At the beginning of the COVID pandemic, I found myself with loads of extra time like many other people did. Rather than finding a new hobby or taking up exercising, though, I found myself doing deep dives into the world and culture of MLMs that I’ve seen so many people I know become entangled in.

Throughout this post, I’ll reference a couple of figures, which you can find in a Google Doc here.

Part of the reason I became so interested in learning more about MLMs is because I very narrowly avoided being caught in one. My freshman or sophomore year of college, I went to a Pampered Chef party with my mom and her coworkers, and the Pampered Chef rep almost had me convinced that “investing” roughly $500 (that I didn’t have) to sell Pampered Chef products would be an awesome opportunity that would have me earning that $500 back, plus more, in no time.

Now don’t get me wrong, Pampered Chef does have some pretty handy kitchen gadgets that I love! I grew up with a kitchen stocked full of Pampered Chef products that were so unique and impossible to find anywhere else. Never will I allege that all MLMs have terrible products that have no value. While this is true for many MLMs, there are others like Pampered Chef and Tupperware that have been around forever, in part because they do truly have some great products that the business can stand on.

But let me break this down. At the time I was being recruited, I was a full time college student. I had maybe $1000 in my bank account (those were the days) and the only reason I had that much was because of the $1500 or so that was given to me and paid for with my student loans in order to buy books, supplies, and groceries for the entire semester. I didn’t have a job or income, and yet I was being encouraged to take half of that money and purchase a Pampered Chef starter kit in order to start selling their products as a side hustle.

“You’ll make that back in no time! You’ll be able to pay for school with all the money you’ll make,” I was told.

Sounds great on the surface, but think about that for a second. I was a full time college student. Living in a dorm. All of my friends also lived in the dorms on campus. We lived off of dining hall pizza and ramen. Who was I going to be selling kitchen gadgets to??

In reality, the consultant just wanted me as part of her downline, or the people who work under you in an MLM. As part of her downline, she would get a percentage of all of the sales I made, as well as a portion of the $500 starter kit she was encouraging me to buy. She likely knew that as a college student, there was no way I was going to make any substantial amount of money selling Pampered Chef products, even with a mom who loves them.

This gets into just one of the numerous problems with companies who operate with an MLM format, and that’s the predatory nature of many MLM companies and their sellers.

At this point, you can’t really say that you actively use social media if you haven’t received a message on Instagram or Facebook from someone you haven’t talked to in years, saying something like “Hey, hun! I saw your post and had to reach out! I don’t know if my new business will be a fit for you or not, but would you be open to learning how to make money in a home business and earn a little extra income? I’d love to talk to you some more about this awesome opportunity!”

Some of you may be going into your Instagram messages now, thinking, “Wait a second, didn’t I get that exact message? How did she know that?” In reality, this is just a string of buzzwords that MLM “huns” like to use when cold messaging potential recruits.

In countless team calls that I’ve watched on Youtube from various MLMs, sellers are encouraged to simply copy and paste a generic pitch and send it to anyone and everyone that they can find. Why take the time to personalize a message when you might not get a reply anyway? Just use the same one for everyone!

At first glance, it can be intriguing and you may want to hear more about what the person has to say. By keeping it vague, the recipient may think, “Hmm, earning a little more money from home would be awesome…and since she was looking at my profile, she must think I’d be good at it!”

99% of the time, though, you’re not the only one they’re messaging. That’s why MLM sellers typically use phrases like, “Hey, girl!” “Hi, girlie!” or the now infamous, “Hey, hun!” Using the same message over and over makes it considerably easier to message the greatest number of people in the least amount of time.

It’s also important to note that a majority of the time, the seller isn’t just trying to get you to buy the products they’re selling. They’re also trying to get you to sell the products, too, to become part of their downline. In my experience, people involved in MLMs tend to promote the company’s products on their general page and public timeline, but any direct communication tends to center around the idea that “you should be selling this stuff too.”  

Let’s think about that for a second, because this is one HUGE way that MLM companies differ from any normal company. Consider any legitimate small business, like a local bakery for example.

Of course the person who owns the bakery is going to promote their business to their friends and family, and they’ll encourage people in the community to think of them the next time they need a birthday cake, custom cupcakes, personalized cookies, or any other delicious sweet treat. If they know that your grandma’s 70th birthday is coming up, they might even message you something like, “Hey there! Hope you’re doing well! I just wanted to reach out since I know that your grandma’s birthday is coming up soon! I just started a bakery in town, and birthday cakes are one of my specialties. Feel free to reach out if you need any baked goods for the party and I’d be happy to discuss my rates with you! Have a great day!”

What the bakery owner IS NOT going to do, is reach out and say, “Hey, girl! I just started a bakery in town and it’s going so well for me! You should look into starting your own bakery, too! Let me know if you’re interested in learning more about starting your own bakery, it’s such a great business opportunity!”

I’ll be the first to admit that I don’t know a ton about economics; I wasn’t a business student and I had to take Economics 101 twice in college. Even I know, though, that that’s not how a market works. When you’re selling a product, you don’t want MORE PEOPLE in the same area selling the same product. That creates competition for you and saturates the market with too many sellers.

To put it simply, if you have 100 potential customers and you’re the only one selling a product, all 100 of those customers are going to come to you to purchase said product. If you recruit 4 other people to ALSO sell that product, though, your 100 potential customers dwindles down to 75…50….20…maybe even less, as your 100 potential customers inevitably start buying from the other sellers for whatever reason. By recruiting additional sellers, you’re creating your own competition in any normal business model as you’re saturating the market with one type of product that everyone is suddenly selling.

In an MLM business, though, you’re not creating competition; you’re creating your downline. Each MLM varies in compensation percentages, and complex compensation plans vary greatly from MLM to MLM, but one thing they all have in common is that recruitment is the goal; when you recruit someone to sell the products, they work underneath you in your downline.

Usually, recruiting someone involves selling them a “starter kit” which you make commission on, and you also get a percentage of that consultant’s sales. It’s impossible not to see the pyramid model that’s created here.

Sure, you’re all selling the products, but of course you’re also going to want to recruit new people to work for the company since that means you’d be getting a portion of their sales as well. Through recruiting more sellers, you get to reap the benefits of their sales, meaning that you’re making money on sales that you’re not making; you’re doing less work, and making more money the more people you recruit, and then those people recruit more people, and so on and so forth.

I’m going to be transparent here and say that math is NOT my strong suit. Anyone who knows me knows this, and it’s only getting worse the older I get. As I think about this, my brain says that if you recruit two people, who each recruit two people, who each recruit two people, you suddenly have…uh…a lot of people working in your downline.

For the more visual people like myself, we can reference Figure 1 in the attached files. Notice the shape? Even if there are 50 people above you, you’re now making a percentage of the sales of 14 other people in your downline. As they continue to recruit people, the pyramid grows.

This is how we end up with income disclosure statements like those that we see for just about every MLM (that releases them, anyway). As the money from any sale flows up the pyramid, the people at the bottom make the least while the people at the top make the most.

“But that’s how it works for any business!” most huns will protest. While this may be true, it’s not due to the business model, and it’s not at the cost of those at the bottom. Of course company presidents and CEOs make more money than those at the bottom of the company totem pole, but that’s because they have more responsibilities and have contributed greatly to the growth of said business many cases.

Take Maui Jim Sunglasses, where I work, for example. I work in customer service, which is one of the lower positions at the company. My daily job is assisting customers with getting their sunglasses repaired, answering shopping questions, and generally providing support for our customers, whatever that may mean that day.

Our CEO, meanwhile, does infinitely more to keep the company afloat. From endless negotiation meetings with our manufacturers, other sunglass company heads, and managers of our international offices across the world, to…I honestly don’t even know what else, our CEO plays a major role in ensuring that we’re able to stay competitive in the sunglass market while preparing the entire company for the future given current trends and sales data. Of course he has other people supporting him and assisting with this, but he has knowledge and experience I can only dream of having. Of course he makes WAY more than I do, and he deserves it for running the third largest sunglass company in the world!

This is not the case with MLMs. The people at the bottom are the ones doing the hard work. They’re the ones with their feet on the ground, selling (usually overpriced, usually not super great) products in an increasingly oversaturated market. They’re the ones doing the work, while the people in their upline are the ones making more and more money the more work their downlines do.

This is illustrated through the fact that in most MLMs, roughly 90% of consultants (usually more) are in the bottom tier of the company, making the least money, while less than 1% are in the top tier, making the six or seven figure salaries MLM huns promise you’ll be making in no time.

While most people rarely make any considerable, much less livable, wage in an MLM, what’s even worse is that many people actually end up losing more money than they make when they join an MLM. This is largely due to the fact that MLM consultants are also a huge portion of the MLM’s customers. Kiki Chanel, who makes videos exposing MLM companies on Youtube, describes this as the “pay to play” model most MLMs use.

One of the MLMs most infamously guilty of this is LuLaRoe, which is is an MLM based around the sale of clothing. Consultants in LuLaRoe and many other MLMs are required to keep an inventory of items to sell, which they have to purchase themselves.

As outlined in LuLaRoe’s FAQ on their site, to become a seller, you start with an inventory of 65 articles of clothing for $499. Of course, there’s a catch, though. When you purchase said inventory, you don’t get to pick the pieces from a catalog, and you never do. You purchase a package where you choose a number of each style, size, and quantity, with style here referring to the article of clothing, such as t-shirts, dresses, leggings, etc.

As a LuLaRoe consultant, you get what you get and you don’t throw a fit with regards to inventory. On Kate’s Closet, a blog by a LuLaRoe consultant, Kate answers questions I’m sure you’re all wondering about this model of business!

“What if I end up with something that I can’t sell?”

Well, Kate says, if you can’t sell something, that doesn’t mean that it’s not cute! It just means that you haven’t found the right customer for it, yet. Kate says that this is the beauty of LuLaRoe; if you were able to pick your own prints from a catalog, you’d only order what YOU like! Even if you think something is ugly, someone else will love it!

Kate, I’d like to refer you to figure 2. I’ve already admitted that I’m no economist or mathematician. I’m also not a fashionista, but…yikes. And I think most people I know would have the same reaction to these leggings, which are the “hot item” from LuLaRoe.

Beyond being stuck with some less than attractive items that I’m sure are hard to sell in most circles, consultants are also required to purchase at least 33 products each month and are required to sell at least 1 each month to stay active. Add to this that most LuLaRoe pieces have an MSRP of $18-$65, it’s easy to see how many consultants find themselves quickly drowning in pieces that they’re not able to sell.

As evidenced in LuLaRoe’s income disclosure statement (available here), the majority of LuLaRoe consultants (72.5%) either made less than $5,000 profit, or lost money in the business in 2019. Included in that, are the 19.4% of consultants who made $0 profit, or lost up to $10,000 or more. This also doesn’t take non-product expenses into account, which would be the costs for supplies like hangers, storage bins, mannequins, other display equipment, shipping, advertising, and travel expenses.

Almost every MLM (I’m not saying EVERY MLM because there are literally hundreds of them out there) operates on a similar model. You have to either sell and/or buy X amount of product each month in order to stay “active” as a seller.

As a result, you end up seeing many consultants purchasing their OWN inventory, or purchasing the inventory of other sellers. Facebook groups exist for most MLMs where all of the members are sellers, and they’ll essentially trade sales; in LuLaRoe for example, this might look like “I’ll buy a pair of your leggings if you buy a pair of mine.”

Suddenly, you end up with money exchanged primarily within the company; your sellers on the bottom are selling each other their inventory, and their money earned through the company flows back up through each upline, instead of coming in from outside sources.

This turns the company into a closed market, where the people on the bottom are basically just giving their money to the people above them in order to stay part of the company, and this is where MLMs start to look even more like pyramid schemes.

Traditionally, pyramid schemes involved no products, and only involved the exchange of money. For example, “You give me a dollar to join my club, and then you find two people to give you a dollar each to join. Congratulations! You just made a dollar.” Of course it’s much more complex than that in practice and involves MUCH more money, but it’s not difficult to see the parallels here.

With pyramid schemes outlawed, enter the MLM business model, squeezing right through the loophole formed by the fact that they do technically sell products that anyone can buy, even if it is mostly their own employees in many cases.

Aside from the inherent issues with this business model, many MLMs also have products that aren’t that great, from products that are just low quality, to products that border on being straight up harmful.

LuLaRoe, for example, has come under fire for the low quality of their items, and a quick “LuLaRoe quality” Google search will direct you to countless articles and complaints, even from consultants, of LuLaRoe clothing being extremely thin and poorly made, smelling of mildew and mold, or arriving with holes.

Scentsy is another MLM with products that I personally really liked…until I found out that you can get almost identical wax warmers and melts for half the price and the same quality at Walmart.

Other MLMs like HerbalLife, Young Living, Medifast and Plexus have received backlash for the negative effects users have seen from their supplements, shakes, teas, and other ingestible things. Many of these companies use weight loss, digestive health, and cleanses as their gimmick, and customers have reported sickness and diarrhea as a result of using products from these “health and wellness” MLMs.

“That’s how you know it’s working!” say the huns. Again, I’m not an economist, I’m not a mathematician, I’m not a fashion expert, and I’m not a doctor, but when you use adjectives like “brownie batter” (and not the good kind…) and “white pants approved” to describe the products you’re selling, something tells me they’re probably not the best for your body.

Monat is another MLM that’s been making its rounds on my feeds recently. I know a few people who are Monat distributors, so I see all kinds of claims that Monat products will repair your split ends, make your hair grow 37 feet in just two weeks, and make it as strong and shiny as a stallion’s mane.

What they don’t tell you, is that Monat is on thin ice right now with the Attorney General, as hundreds of customers have reported painful burns, balding, hair loss, and devastating damage after using Monat’s products.

“That’s your hair detoxing!” Monat huns assure their customers. Sadly, though, as you may be guessing, that’s not at all true. Scalp burns and extreme hair loss are not part of a “hair detox.”

While Monat has refuted claims of damage and injury after usage of their products, hundreds of people have experienced the negative effects of using Monat products, and the company has been sued numerous times by countless people for the damage the products have caused.

Part of what makes me so passionately against MLMs like Monat, Beachbody, and the countless “health and wellness” MLMs is that these in particular have a unique opportunity to target women who are seeking to feel “better.”

Beachbody coaches have been notorious for targeting women who have just had a baby, who have illnesses, or who don’t fit the image of the “ideal Instagram” body type. Coaches message these women, promising that they have the perfect way for them to shed a few extra pounds so that they can be the best (read, skinniest) versions of themselves!

The toxic culture and beauty ideals of our society are a whole other issue entirely, but many MLMs use that to their advantage, promising the perfect shakes, workouts, hair and skin care, makeup, and supplements to make you perfect.

Not only do most MLMs target vulnerable women to sell products to, but vulnerable women are especially easy to rope into joining these get rich quick MLM schemes. Thinking about the people I know who have joined MLMs, most have one thing in common; they joined when they were struggling either financially or emotionally, or they joined when they were otherwise at a low or challenging point in their lives.

If you’re in college, recently divorced, recently laid off, in debt, a stay at home mom, a military wife, or independent at a young age, you’re a great target for MLM recruiters.

Thinking about most MLMs, consultants tend to overwhelmingly be women, and when I picture an MLM seller in my head, I think of one of my peers who had just dropped out of college and wasn’t sure where she wanted to go next in life. I think of my old coworker who was 24 with two kids that she would do anything for. I think of my old classmate who’s now married and trying to put herself through school. I think of the friend of a friend who recently got diagnosed with a debilitating illness and is looking for a way to supplement her income to pay her inevitably growing healthcare bills.

All of these young women got involved with MLMs as a way to make money and improve the quality of live for themselves and their families, but I would bet money that they’re not getting what they bargained for.

In a study by Jon Taylor for the FTC, 99% of MLM participants actually end up losing money, rather than making money. He explains that this is because, “without full-time and long-sustained effort, MLM participants cannot build and maintain a large enough downline to meet expenses, and therefore do not profit.” Taylor points out that you can confirm this yourself by looking at income disclosure statements provided by the companies themselves.

“But wait!” I see you wondering, “why would the companies publish that information if it’s really that hard to succeed with them?”

The answer is that they don’t want to get sued when 99% of their employees end up losing money, despite the fact that they were promised that they would be making thousands right out of the gate. Some Beachbody and Monat consultants have even gone so far as to include a disclaimer in their posts about their MLM. In fact, you can grab Beachbody’s right from their website, under their coach resources!

“Team Beachbody® does not guarantee any level of success or income from the Team Beachbody Coach Opportunity. Each Coach's income depends on his or her own efforts, diligence, and skill. See our Statement of Independent Coach Earnings for the most recent information on the actual incomes of all our Coaches.”

Don’t mind if I do, Beachbody! (See Figure 3)

Not including expenses, 77.3% of coaches in 2019 made an average of $427 for the entire year. The next 18.3% of coaches (Emerald Coach rank) averaged a whopping $3,086 for the year. That means that 95.6% of people selling Beachbody shakes and workouts made an average of less than $4,000 for the whole year of 2019.

Take into account the fact that most Beachbody coaches are expected to constantly be messaging people, recruiting, selling shakes, or participating in team calls, and the “business opportunity” that was marketed as “a side hustle you can do in your free time” starts to look less and less appealing.

Most MLMs have income disclosure statements available, and if they don’t, that should just be another red flag that maybe it’s not the best business opportunity; you would never take any other job without knowing how much you would be making at said job.

As I’ve continued to learn more and more about MLMs and the damage they can do to a person’s finances and personal relationships, the more passionate I’ve become about educating others about the dangers of joining an MLM. Recruiters tend to grab you when you’re the most susceptible to suggestions to join, so it’s important to look for the signs the next time a hun approaches you with an awesome business opportunity.

According to the FTC, you may be dealing with an MLM if…

Recruiting of participants is unlimited in an endless chain of empowered and motivated recruiters recruiting recruiters.

Advancement in a hierarchy of multiple levels of “distributors” is achieved by recruitment, rather than by appointment.

Ongoing purchases (products, sales “tools,” etc.) by “distributors” are encouraged in order for them to be eligible for commissions and to advance in the business ("pay to play").

The company pays commissions and/or bonuses to more than five levels of “distributors.”

For each sale, company payout for each upline participant equals or exceeds that for the person actually selling the product, creating an inadequate incentive to sell products directly and an excessive incentive to recruit.

In the end, it’s always important to do your research about any job, but it’s especially important to do so if your job offer begins with, “Hey, hun!”

Sources, links, and other readings:

“31 Simple Network Marketing Prospecting Scripts – 2020 Update” aka, Phrases to look for that mean “This is an MLM.”

Kate’s Closet LuLaRoe Blog

4 Things LuLaRoe Sellers Say About the Stress and Cost of Their Job

Attorney general cracks down on Monat hair care claims in wake of 13 Investigation

The Case (for and) against Multi-level Marketing by Jon M. Taylor for the FTC

FTC’s 5 MLM Red Flags by Jon M. Taylor

The Finance Guy for an economic take and breakdown on the numbers for the most popular MLMs

Megathread of MLM Companies

IsThisAnMLM.com

Kiki Chanel on Youtube

[janiedean]

Ok, I know it may come as quite offensive for some people, but it's a real question. I'm upper middle-class, as my parents were before me, I was still living with them during the econonical crisis and I barely felt it and now I have my own job, I have no problem having money for myself. And fortunately or not, all of my friends either come from this social class or got into it with their jobs, so I never had a real talk with someone considered "poor". I'm not trying to brag or anything, (cont)

I'm just explaining where I stand and why everyone in my family (including me) is right-winged (not far-right, thanks god, but very liberal). So there is my question, I see so much talk and post about how the situation is awful for people (and mainly young people) and I don't know if it's an exaggeration (aka the opinion of 90% of the people I know, friends + families) or is there a real problem I fail to understand. Thanks for taking the time to read (and maybe answer) me.

Sure I can answer you XD

So, given that the economical crisis hit differently in different countries so there’s different perspectives to be had, the short answer is: it’s not an exaggeration. Long answer:

if you come from an upper middle-class background it’s highly likely you won’t have felt the repercussions, and if you were living with your parents when the crisis hit because you weren’t old enough for college then I suppose you’re in your early-mid twenties, right? If you are, congratulations, you dodged the millennial bullet, which I will rant about further later. Anyway, it’s not like it’s a fault or anything, but like, upper-middle class = you have some degree of privilege.

Now, I also am middle class, though in Italy, which is a whole different thing than being middle class in the US - now I can’t be knowledgeable about the details of how it works in the US tho I know a few things that might give you extra perspective further down, but anyway, I do have the middle-class privilege that comes with having managed to dodge the economical crisis, but... I’m late twenties/early thirties, which means that I finished studying right when the crisis hit here the worst - it caught up with us a bit later than in the US but when I finished university there was literally nothing for anyone with my background and most people my age I know either are working from home somehow or working jobs that have nothing to do with their skill set or what they studied for or are freelancers or work without benefits and/or it took them years to get to economical stability - like, my cousin got first in this year’s chart to teach middle school in her area and she got two schools (if not three) for one year and is still living with her parents and it took her six years if not more to get there since getting the degree, her brother has worked for an ONG for years but his contract’s is meh and he compensates renting a room in a house his parents bought for him and as far as I’m concerned... it took me two years to get a shitty paid state job for one year and now I have to look again and I might end up trying to end up in a program to get a teaching certification that I don’t even want to do, but it’s STATE MONEY with BENEFITS and after four years and so of working without benefits I’m freaking out about retirement and shit, which brings us to another problem.

My parents’ generation (and the previous one) found jobs in a moment of economical growth. When my mother retires and when my father does, they’re going with the old pension system which means they get 90% of their last paycheck. As it is right now, I haven’t put money towards it at all because I don’t have it, and I’ll have to work until I’m like seventy and I’ll get.... an abysmal amount of money, with the current system, sure as fuck not 90% of my last paycheck. I couldn’t buy a house without my parents’ help or without them backing me up (banks don’t let you have a mortgage if your parents don’t grant for you). And like, the generation before mine all managed to lend decent jobs because the economy was pre-crisis, the one after mine is getting better jobs because we’re out of it and everyone is hiring again, and the one I’m in is fucked because we’re too old or too young or too qualified because if you don’t find work you go back to studying and get titles that then mean you should get PAID WHAT A TRAVESTY or not qualified enough because we ended up taking jobs without proper contracts that you can’t put on your resume and so on. Given that I don’t consider myself old and that I come from a background where I’m more or less covered because the parents have good jobs, the situation for me and my entire age group is shitty af because unless you have uber rich parents and you come from money your retirement money will be shit and our retirement funds are shitty af, and good luck when our parents retire and don’t feed the system with their retirement money.

Like, if I wanted hypothetical children (THANK FUCK I DON’T) I could never afford to give them the same level of wealth/living that my parents gave me and that their parents gave them. I could never. Because even with someone else in the house, if they were my age and in the same work conditions it’d be an utopia.

Now, given all this, I’m still middle class. If I, a person with a relative amount of *privilege*, am fairly screwed when it comes to job perspectives (I mean, in this country you work as soon as you finish uni if you studied engineering or economics and that’s it...), how do you assume someone who actually comes from a low middle class or poor background is faring? Spoilers: a lot worse than me. The unemployment level in between young people here is tremendously high and working jobs without a contract to bring money home doesn’t help either. And like, at least here a lot of people my age just dump everything and leave Italy (and I honestly sort of wish I had when it’d have been easier but never mind) because finding a job tied in some way to what you studied for here is a lottery gamble and then people don’t understand that if all the young people leave who pays for their goddamned retirement money? Anyway, tldr: obviously if I had found a government job at 24 just out of university I wouldn’t be here worrying about my retirement money as much, but I don’t have a government job and the majority of people doesn’t, and given the current times it’s not shaping up to look that much better for us, at least.

On to the US, since I assume you’re from the US: thing is, from what I understand especially right now the part where if you work hard enough you make money and climb into upper-middle class is kind of a myth especially when in order to attend university you have to get loans unless you’re on a scholarship and/or come from money, which means that you end university and you have already 40k of debt to repay on you, which already puts a hinder on anything you do because you’ll have to pay that shit off, same as your car, same as your house and so on, which means that if you’re *poor* it’s a lot less likely to get into college or find a good job unless you go in the military (which is imo another whole level of fucked up but never mind), not counting the people who from what I understand end up in debt or broke because they can’t pay off hospital expenses/insurance expenses if they get sick. Never mind that the entire 2008 crisis spiraled from the Reagan/Thatcher ridiculously terrible economical liberalims that people decided was AMAZING in the eighties, but if I don’t remember wrong, what kickstarted it was basically the fact that a lot of people took loans to buy houses with money they didn’t have and the banks defaulted and it all came tumbling down. Now, the people who lived in those houses basically lost everything and got fucked thrice over, and how do we assume their kids are faring? Not well, most probably.

Now, idk how the situation is there because it looks like by the end of his term Obama had managed to create more jobs and send things back on  a better track (if Trump doesn’t fuck that up obv) but like... Obama was there eight years. It took that long. Anyone who finished college and/or was in my age range and on the job market during the crisis or when it hit most probably got very much fucked, never mind that I’m 99% sure that the US don’t have the same retirement system as here when it comes down to it so people are nowhere near as sheltered when it comes to their retirement. Or to get benefits. Though from what I gathered we have more benefits than the average US worker, government or not, so... a lot of people have real issues finding a job or moving on from their crappy one or meeting the living standards their parents had and which from what I gather they’re expected to have (see the credit cards post I reblogged yesterday). And that’s going to be the majority. And since ‘young people’ are usually considered my age range these days and my group (the millennials of doom) was the one most hit by this fuckery when it came to finding jobs... no, it’s not an exaggeration. I can say it’s not from another country where things are marginally better and coming from a background more like yours, I can’t even begin to imagine how worse it is for people who had it worse growing up and have less welfare to fall back on.

also, we’re talking young people but here a lot of older ones got fucked over thrice because the pension reform hit them badly, and most of them weren’t wealthy and worked time/health-consuming jobs, a lot lost their job and who’s going to re-hire you when you’re fifty-five, and that’s without having lost your savings as it happened in the US. if these people had kids, those kids didn’t fare well, most probably. the crisis was a problem for people from every age, not just for young people.

So, again: yes, there’s a problem, and no, it’s probably hard that you’d notice because if you managed to miss the crisis’s effects and you don’t have the retirement/pension funds problems we have here you wouldn’t have any reason to. However, it’s not an exaggeration at all and like, I don’t want to sound condescending or anything and I have nothing against moderate liberals so like don’t take it as me insulting you or anything because I swear I’m not, and I know it’s hard to know people outside your sphere which is usually someone in your same economical conditions, but if you get the chance to talk to someone who’s less economically well-off than you/your friends/your family is I’d suggest listening to them because a) they’d give you a better idea of it than me since I only know my country’s situation well, b) it’s always a good thing to go outside your bubble (but that’s valid for everyone - all people should, from all backgrounds) and check how things are. I can give my perspective (which is bad) but someone who actually lived it worse than I did could give a better one. Anyway, I hope it was a satisfactory answer - it’s not in any way shape or form comprehensive but as I said I can only speak for what I’m sure of. :) 

[okaywowcool]

a while ago an anon asked me this: 

hi paige! do you know the reason shops like harajuku fashion and other stores on storenvy have such similar products to really cheap but generally quality stuff on eBay and aliexpress, but they're much more expensive? im kind of confused as to whether it's the same product because wholesale, or if it's a better quality version of the same product, or...? because i see what looks like the same product for five bucks on aliexpress, and for about thirty bucks on storenvy!

and since i think it’s a really good thing to talk about the reasoning why storenvy shops (or any retail shop) mark things up, and when it’s benefitting you as a customer and when it’s not, i thought i’d repost my answer here!

the reasons for this price disparity are fairly numerous and definitely vary from shop to shop, but here are some of the reasons places do this and also the reasons they are able to do it and people still purchase from them:

profit gauging - should be obvious. some places are worse about this than others, like think about what i’ve talked about w/ inu inu in the past for example….

“finder’s fee” or “curator’s fee” - a store being able to put good items together like any retail store would to where their brand recognition and look is so strong that people want the items from them specifically (also something you could think about with places like inu inu but also spreepicky. they’re popular so people buy from there.)

repackaging - you might pay extra for nicer packaging, branded tags, things being packed more safely on their way to you and looking nicer etc.

improved distribution - the store, by virtue of popularity and being able to buy and keep stock, might be able to ship items quicker than smaller aliexpress operations can so you might be able to get your items faster. there are diff resellers (some of them based in china and others based in the US) and they do this in different ways, but this might be a reason for higher prices since they need to make up for the initial costs of buying inventory

higher trust - people tend to trust storenvy more than aliexpress. though they also tend to trust ebay more too. this is something i don’t feel like i understand or explain, some of this is based in ACTUAL racism (people are more loathe to buy from chinese people who can’t speak english as well and will bring it up in negative reviews a LOT. this is something that makes me absolutely furious :) it’s also a huge thing that steers me away from trusting certain reviews bc just like. what the fuck is wrong with you.) and then some people just have strange website loyalty/preferences. like i charge more for the same items on etsy and storenvy to cover fees and the inconvenience of using their platforms, but i always put visibly that there are cheaper prices on my own website and link to there. however, people still want to use storenvy or etsy. i have no idea why; i don’t shop this way, but to each their own i guess!

blogger sponsorships - discount codes are frequently given out which reduces the price but these shops then increase their prices even more to cover blogger sponsorships

storenvy fees are fucking ridiculous - 10% of a sale is high, and some places have to jack up their prices to cover that, and that isn’t EVEN talking about the chunk stripe thing takes out. stripe also holds your money for forever so like, it’s just a giant nightmare and you might end up paying more because of that inconvenience to the seller (like i do….)

the misunderstanding between western consumer ideas of a good deal and local consumer experience is also a factor - often times even the cheaper shops, including places like aliexpress, are still charging out the nose for things because they know americans/other westerners don’t even have a remote understanding of how cheap things are. being in markets in china in person, even jacked-up tourist priced markets opened my eyes to this A LOT. i bought a lot of little trinkets while there and bought a lot of food and snacks but i only took out $81 USD for the whole trip. i was there a month, and was never really trying to be frugal. the dollar value difference is just nuts, so even paying like $10 for a tshirt is a huge ripoff, but it’s still good business on our end and we’re helping to make these individual sellers a big chunk of money with their own business which i personally approve of, at least.  

anyway, places tend to have a combination of these things, rather than it just being simple price gouging, though sometimes it’s clear and you can tell what a reseller spends their money on (like sheinside spends hella cash on advertising, though they’re not a storenvy reseller but they have similar wholesale items; inuinu’s is majority profit gauging or modeling/photoshoot prices since they do mostly free advertising and don’t have special packaging, etc)

BUT! the items generally are the exact same. 99% of the time these storenvy shops operate through a method called dropshipping, which is a system where

a customer makes an order on the storenvy shop

the storenvy shop takes your money and goes to the sourced product where it is being sold originally, typically on aliexpress or another wholesale website, and orders the product, entering your address

they send you the tracking information and shipping notification when they get it 

you get the product, likely with absolutely Zero indication that it ever came the storenvy shop you actually ordered it from

i’m not a big fan of dropshipping, since what you are essentially doing is paying the store in the middle to act as a middleman for your products. if some of the benefits i’ve outlined above are met when ordering from a shop, such as them improving packaging or customer service, OR finding a really incredible product that you yourself can’t source elsewhere, then i think the shop (obviously) deserves a small profit off of that work. but most of the time shops aren’t doing much of any of that, and storenvy resellers are all selling like the same 4 products--that’s the case where i take issue with it. 

further more,  if you see an item cheaper on another website (like ebay or aliexpress) the chances of them being the same item is incredibly high. there is, however, a weird phenomena i’ve seen where there are places that do rip offs OF other rip offs, so you’ll see a lazyoaf sweatshirt rip off that is nice looking on one website and then another one on a different website for half the price, same picture. but sometimes if you bought both one is nicer than the other, like maybe it’s actual sweatshirt material whereas the other one is more of a thicker tshirt material? and spotting those is difficult sometimes, i tend to just message sellers for their own photo if i’m suspicious which works out.

i’m also willing to try and help people find duplicates to get cheaper prices, though obviously don’t want to be doing that all day long, but it’s really easy to search for on your own too. i tend to do that whenever i can, though sometimes you just can’t find stuff or you can’t find it cheaper. like those light up platforms i’ve posted are about the same price everywhere, they are just a more expensive item. there are also cases where stores mix in retail products and original ones, like inu inu or spreepicky, so sometimes you can’t get that stuff anywhere else.

or sometimes they’re just really good at finding cool stuff, and in those cases (which are rare but i remember mola mola is p damn good at this) i think they deserve their finder’s fee--i just don’t think it needs to be $25+. it just is all up to the buyers’ preference, in the end, but i do want people to be more educated on what they are paying for and why, which is why i like to talk about it a lot!

hopefully that helps to answer your questions, hopefully this wasn’t toooo long and people still read it lmao, i just have a lot to say on the subject!

[elfigmlinkbf16insurance-blog]

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[kqnsc5yt-blog]

Individual PPO Dental Insurance with No Waiting Period?

Individual PPO Dental Insurance with No Waiting Period?

Does anyone know any individual dental insurance with a PPO plan and has NO waiting period? I live in the state of California. I ve already tried Blue Shield and they have a 6-12 month waiting period for the PPO plan. And I ve already try tons of other dental insurance (Metlife, Safeguard, etc) and they all have HMO plans or doesn t provide individual dental insurnace.

BEST ANSWER: Try this site where you can compare free quotes :insurecheap.us

SOURCES:

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[easilymakermoney]

Instagram Hashtags Technique: 9 Methods to Develop Engagement on Instagram

Social media is likely one of the strongest platforms on the web at the moment. Nonetheless, simply ‘being on’ any of the highest social networks is rarely sufficient. You should construct a model, have a following, and likewise create content material that your viewers engages with, and likewise shares.

That is very true with Instagram, as everyone seems to be attempting to construct up their following and attain thousands and thousands all over the world.

Associated weblog posts and sources:

There are lots of instruments in the marketplace place to assist with these elements, however a lot of solely focus in a single space. This implies you’d probably want to seek out one resolution for scheduling, promoting, rising attain, and even paid promoting.

Social Shark is an answer that takes all of those elements collectively and affords them in a single precious platform — centered solely on Instagram development and social media efforts.

At this time we’re going to try Social Shark, whereas additionally breaking down it’s many options and instruments that can assist you grasp the artwork of Instagram advertising.

Instagram… It’s All In regards to the Visuals Child!

When any of the highest social platforms on the web at the moment, Instagram is shortly discovering themselves on the high of most lists. The explanations for this are many, but in addition fairly clear on the identical time.

Individuals aren’t excited by studying textual content content material, and visible photos and movies are in demand. On the identical time, everyone seems to be utilizing their cell units for social media, and that is the place Instagram has at all times centered their efforts.

With all of this in thoughts, Social Shark has made the method of getting reside on Instagram and rising an viewers quick, fairly straightforward. By means of the usage of their Instagram monitoring device, anybody can hook up with their Instagram account and begin focusing on new audiences and potential followers all over the world.

Let’s now check out what this highly effective social media advertising platform has to supply.

Probably the most essential highly effective instruments constructed into the platform, is the flexibility to trace progress and outcomes over time. Anybody can order a bunch of followers on-line, and even pay for numerous social media advertising strategies… but when there isn’t a solution to measure these outcomes, how are you purported to know what you’re truly getting?

That isn’t the case with Social Shark, as they’ve constructed the entire needed follower, engagement, branding, and attain studies needed to trace your development on Instagram.

Better of all, all of those studies are straightforward to learn and perceive. Overlook about excel information studies, every thing related to Social Shark is ready up with a pleasant visible information chart that’s straightforward to trace and observe over time.

Instagram Automation is Key for Development and Engagement

With so many various instruments and options on the web for just about something, you will wish to use a device that straightforward to know and doesn’t have a lot of a studying curve. Check out any of the highest bloggers on Instagram, and all of them will let you know that they’re monitoring progress and engagement on Instagram with a wonderful tooth comb. They every have their very own most popular instruments and strategies for creating and scheduling content material, whereas additionally ensuring it reaches the proper audience.

That’s precisely what you’ll discover inside Social Shark.

To get began, all it’s essential to do is log into your account, then hook up with your Instagram account.

Inside this identical members space, you’ll discover the entire instruments, options, and companies on the left aspect menu of the web page. In the primary space of your dashboard space, additionally, you will come throughout among the newest articles and sources on easy methods to develop your model utilizing Instagram.

It doesn’t matter in case you are a single individual model or an organization with 100+ staff… creating new content material and going reside with social media updates is time consuming!

Figuring out easy methods to join with customers on Instagram, that don’t know about your model, is one other additional benefit to utilizing Social Shark for all your Instagram development and advertising efforts. This may be finished via any of the natural attain instruments on the platform, or via the method of buying new Instagram followers.

Irrespective of how you propose on getting new followers, it’s essential to be sure you are focusing on the proper viewers.

That is simply finished with Social Shark, as they’ve the entire needed focusing on choices constructed proper into their platform. By means of the screenshot beneath you may see the focusing on choices accessible, reminiscent of; media age, media kind, follower counts, filters, and extra.

As you may think about, the extra you understand about your typical fan or buyer, the higher you may set these choices to amass new prospects and followers that may ship the perfect ROI.

The following step on this course of is to mess around together with your hashtag settings and ensuring you’re utilizing them inside your posts and engagement as nicely. An important profit right here is to have a look at your rivals and see what they’re utilizing to draw new audiences. Manufacturers like Starbucks would possibly use #espresso, whereas Nike would possibly use #justdoit.

Mess around together with your hashtag and focusing on choices and measure which ends up works greatest.

Utilizing the Energy of Instagram Hashtags

Hashtags are probably the most highly effective asset that everybody must be utilizing on Instagram.

Whereas platforms like Twitter and Fb each have hashtags, they’re nobody close to used as a lot as they’re on Instagram. With out hashtags in your content material, it merely received’t be discovered by others or seem inside their platform search outcomes.

Nonetheless, how are you purported to know which hastags are greatest to make use of?

Look no additional than the highly effective Instagram hashtag generator, discovered proper inside Social Shark.

The idea of a social platform hashtag generator is nothing new, however the place Social Shark goes above and past the competitors, is how they’ve a number of variations of every hashtag, reputation scores, and likewise the flexibility to add photos for every or by utilizing a webpage URL.

An instance of how this would possibly work, may be seen beneath.

As a substitute of simply going via the checklist and grabbing hashtags, you may truly add a picture and see what new hashtag concepts would possibly get triggered by the generator device. instance of this might be when you uploaded a trip picture when you had been on the seashore. You would possibly then see hashtags like #bluesky, #beachlife, #saltlife, and so forth…

Plenty of choices right here for reaching new audiences with completely different Instagram hashtags, so make sure to attempt all of them out.

The Choices of Shopping for Nike Likes and Views

Ranging from scratch on any social platform is rarely straightforward. It’s even worse if you begin releasing content material, solely to seek out that it’s getting new views or social shares.

Among the best methods to get round this, is to present your account a lift — whether or not that be via shopping for new social followers, likes, and even social shares.

Once more, that is one other service provided by Social Shark.

Relying on the kind of development you wish to see, choices right here will differ when it comes to pricing.

In case you simply wish to give it a fast check run, a $four.99 starter bundle is an effective way to get began. It will ship 500 likes to your newest social content material.

In search of much more? Go for a Diamond bundle at $75.99 and look ahead to 20,000 likes headed your method.

Social Shark Plan Pricing

As talked about all through this submit, there are various instruments, options, and benefits to utilizing Social Shark to energy your Instagram advertising efforts.

If that is one thing you have an interest, you will get began with Social Shark for simply $30 or $60 per 30 days. You possibly can see each of their worth plans beneath, and what’s included in every.

The choice can also be there there improve at any time, together with saving as much as 25%, however going with a yearly plan.

As you may see, each plans supply entry to the entire instruments on Social Shark. The primary distinction is that the “In style” plan affords a path to “Quicker Development and Double Engagement”. If you’re on the fence, merely go together with the Starter plan, then improve if you see match.

Instagram advertising is tremendous scorching proper now and it’s merely one of the simplest ways to achieve new audiences all over the world. Social Shark makes the method much more reasonably priced and efficient than ever beneath.

To get began, easy reap the benefits of their 7-day free trial and see what Social Shark has to supply.

from Easily Maker Money https://easilymakermoney.com/2019/03/29/instagram-hashtags-technique-9-methods-to-develop-engagement-on-instagram-2/

[cpyclement676467-blog]

Try Your Luck Playing On Three Slot Machines

You never need to confront any problem or subject with respect to those web based mostly amusements due to these help administrations. Each skilled gambler will inform you that to play best online roulette games from NetEnt is price of players’ attention as a consequence of their good graphics, accessible options, and simple guidelines. Don't keep away from attempting to make this transfer a fast move otherwise you pays the value in your bank account. There should actually be a unfold of video video games available in direction of the participant to make sure that he steadily has new alternate options. Are critical video games only for the super good sort? Rumours are that TJ Cloutier went broke for some purpose and needed to eliminate the bracelet. Effort loose money. Don't let a cards position residing every thing you generate, get the somebody pot for yourself. Additionally, make sure to check out our roulette casino opinions to get a greater insight on which casino suits you finest.

After producing sure that your chosen casino on-line is respected, the next problem to do is all the time to observe how the program works. If all else fails and you’re nonetheless unsure if online casino gambling is authorized in your area, your finest guess is to consult a legal professional. By making use of the many strategies all through this article you'll be able to simply scale back the moving charges you’re charged for that subsequent big move. Use the curb side if getting into or exiting the vehicle collectively together with your little one. The vast majority of the most effective online poker sites for US players are very well known worldwide brands. Hotheads are not any match in poker particularly when the stakes are rising. The bingo games additionally differ in terms of the patterns you have to make, ball velocity and card costs, and many others. Everyone are able to discover a Bingo sport of their liking!

You may begin playing online bingo games with out no funding in any respect! Therefore, you’ll be able to decide on the proper game that may fit your abilities and start taking part in on-line. Keep in thoughts nonetheless it is often the bonuses and special consolation bets that you may claim that offers you extra of a profitable chance. There are a lot of several types of gambling video games to select from like online slots, online poker, on-line sports activities-betting, online bingo games and plenty of more. All these free roulette games come with superb high-notch screen graphics both in 3D and 2D that present an genuine casino-gaming expertise. Unquestionably, AU pokies online include a high home edge, and as a result, many Australian online gambling gamers select to stick with card video games. In case you are an affected individual individual, you can inventory up throughout this time after which possess games to last a 12 months. Now as we know we will simply download some of these video games instantly from the web site however even for downloading there are some correct steps to be adopted. It also has better image high quality, even on smaller displays, which is appealing to many great wall 99 viewers. In the end, you would possibly even select to take a full cruise holiday in or out of town.

You could be wondering if it is important to take word of the weather and race observe. Limited USB ports make it superb to reap the benefits of the Computer slot as an alternative. Clever individuals make it a routine to save a selected a part of their income for meeting out the unexpected expenditure and for security in previous age. Depression, stress, substance abuse, or anxiety can each trigger playing problems and be made worse by compulsive gambling. Online poker might be a whole lot of fun and handy. So what kind of free poker lesson does this tale show? This kind playing is ordinary between the youthful technology and i imagine actually needs to be legalized and watched avoiding resulting in troubles between our childhood. Hold on to the following tips and follow them, and really quick you’ll be able to shovel in the money from on-line soccer gambling. In consequence, the percentages just isn't a mirrored image of the horses' true possibilities of profitable but quite a result of the amount of money positioned on it.

[lifelessonsfromfallingupward]

Right Where We Should Be

On Mother’s Day this year, a burst pipe caused water to rise through the kitchen floorboards. As we found out by looking at the corroded iron from 1953, it was a problem that had been festering for about five to six years! We contacted insurance right away and began a slllllooooooow process of getting it repaired. We weren’t really able to give it the attention it deserved right away because of a packed June and  July, as well as trying to find a good fit with a construction company. Now it is sorted, and here we are: two weeks in without a functioning kitchen and eating out all but weekday breakfasts and kids’ school lunches. Most of us are over the eating out, but we probably have a few more weeks before the kitchen is completely fixed. Our insurance is really great, and I’m so thankful that our water damage wasn’t nearly as bad as those impacted by storms in Hawaii and now the Carolinas. But we weren’t prepared for our rather large deductible and it had us taking a deep breath.

During this last month, we also discovered one child will need phase 2 of braces, another needs to start braces, the crib needs to go and bunk beds need to be purchased (and all that comes with new beds), the house has dry rot needing repair, my car and washing machine are making funny noises, Abel’s car needed transmission work, and school supplies had to be purchased (with 4 students in school, you do the math!) Whew! To say we’re up to our necks in financial needs/commitments is true. It’s somewhat daunting and frustrating that the bit of extra income we have is just going out at quickly as it seems to come in. 

Since we’ve been married, I have always felt that we’ve been behind our peers financially speaking. As newlyweds we were the only couple in our group of friends that were not double income. And what I made as Abel went to Grad school was what you’d expect an administrative assistant to make: a pittance. As I visited my friends’ beautifully furnished homes, I felt like I had to keep up. It was difficult to be content with the hand-me-down or Target furniture and moving boxes for end tables in our small one bedroom apartment that, living just outside Washington, D.C., cost a great deal. Our time in Northern Virginia, for better or worse, impacted my sense of self. I lived in a constant state of scarcity, trying to keep up, and I didn’t pay attention to the abundance I had in my life. I was so often resentful and jealous of the ease and beauty other couples appeared to have in their life. I was pretty miserable.

This perspective followed me as we moved to the middle of the country and were able to buy a lovely new house on a quarter acre after making a few dollars on our Virginia town home. I struggled to furnish it how I thought I was supposed to because we were so busy having children and trying to save for retirement and kids’ college. We bought used cars and our Christmas and birthday money went for things like putting in a yard or paying taxes. We lost some money on that house when we had to sell it during the 2010 bubble and I was sure that moving to super expensive California was going to sink us.

I came to SoCal kicking and screaming because I knew what that would do to our lives. I didn’t know everything, and it hasn’t all come true.  But it’s not easy living as a family of seven, probably anywhere really. We certainly can’t keep up with the Kardashians, and the Real Housewives of Orange County is as real as Santa Clause to 99% of us actually living here. My kids don’t have the newest and best clothes or shoes. But they have nice clothes and good shoes. We live in a diverse, old neighborhood that used to be the wrong side of the tracks; and while I feel completely safe here, it’s not exactly the gentrified Georgian country home I dream about. Our summer vacations are mostly to see family, but in the last few years Abel and I have been able to do a few nice ones, courtesy of his job. And my husband has managed to allot dollars to send me on a very special trip for my 40th birthday. We have enough; and when things have been tighter than usual, there has always been money to cover what we absolutely need. But that feeling of being behind and battling scarcity still lingers sometimes.

Today, as I was recounting to Abel ALL THE THINGS that we have to pay for in the next six months, I started laughing instead of giving in to that scared feeling! Abel said to me “I guess we have to laugh or we’ll cry.” But I got to thinking, we’re on the cusp of turning 40. We are exactly where we should be in life with our kids at the age they are, with how many there are, and needing the things that all of us need. We’re going to be in this tight spot! I don’t know what delusional Kool Aid has been in the social waters the last 20 years; but all of our parents were struggling at 30 and 40 years old! It’s some kind of new phenomenon that we think we’re supposed to have arrived by the time our kids hit middle school. WHAT?! Most of America, let alone 98% of the world, doesn’t come from wealthy families that let their kids drive a Mercedes SUV when they’re 16 to the high school up in the SoCal Hills. That’s not real life! And that may not even really be a good life.

You know what I do have? I am blessed enough to be able to stay home and raise my five children in Southern California. (This is not a dig to working moms. I LOVE THEM. They AMAZE ME.) When my kids need me, when they have struggles or concerns or anxieties, I get to listen to them! I get to do my internal work and then my family and I reap the benefits. We have clean clothes every week, food on the table (even if I have to go pick it up!), a house that fits us comfortably even if it’s not big or decorated well, one car paid off and the other one about to be. We laugh, and watch Netflix, and play games. We think about where we can collect more bottles and cans so we can turn them in for extra money that we are saving for our big trip to England in a few years; and our kids get to build Legos and write stories and draw and play video games. They are really happy and I can see we have a really good life.

There are many gifts that cannot be measured by dollar signs and I’m smiling about that today. As I was thinking about writing this post, I was reminded of a prayer I love in Proverbs 30: 

Two things I ask of you;

deny them not to me before I die:

Remove far from me falsehood and lying;

give me neither poverty nor riches;

feed me with the food that is needful for me,

lest I be full and deny you

and say, “Who is the LORD?”

or lest I be poor and steal

and profane the name of my God.

This is not a post about what I have or what I don’t have. It’s about how I SEE what I have and don’t have. If I lived in scarcity and financial shame because I compared myself to others, to made up T.V. shows or beautiful homes on Instagram, what kind of life is that? It’s not real and it’s making us all crazy hamsters on a consumer’s wheel that are never satisfied. I’m sure I’m not alone. I want to stop being afraid of not measuring up and I want to be sure to be thankful for my daily bread and the time and consistent effort it takes to achieve our family dreams. I want that for me and I want to teach that to my children.

Yep. The next six months to sixteen years are going to be very expensive in my home. But I have more than enough. And I want to start to turn the conversation from scarcity to abundance for my fellow almost 40 year olds because the Truth is, we’re exactly where we should be!

[aprindea]

Romania vs Cardassia Prime

It is actually surprisingly difficult to organize all the different aspects of this into one coherent essay so this will probably be in 2 parts. I think quite a number of you have heard me draw similarities between Cardassian culture and political climate and Romanian culture and political climate (specifically during the tail “end” of the Cold War era).  It comes to no surprise because dictatorships have similar features even in sci fi literature/movies/tv shows, but, let’s start with the basics.  In Romania during the communist period: there are actually several periods but two are official because the country changed its name from Romania to:

-People’s Socialist Republic of Romania (1947-1965) -Socialist Republic of Romania (1965-1989)

The two periods are actually fairly distinct, but the period I will be talking most from is the Socialist Republic of Romania. Effectively, I did not grow up “during the Communist period”, but I was taught by teachers who were and the influence was far reaching.  My parents, however, did grow up during the Communist period. My mother was born in the same year as Madonna. My father was born two years prior. At that time, Communism had been in effect since 1947. This is just to give people an idea of how relatively quickly things became “normal”. 

“Nothing comes before the Party and the State”. These are the first two priorities for any citizen. For reference, the Communist Party is the ONLY acceptable political party at this point. There is only ONE candidate at the polls but people are required to actually go out and vote so that the numbers, for a while, showed a 98% or 99% “vote” for a specific candidate. (First was Gheorghe Gheorghiu Dej and then Ceauseascu). 

The third priority is the Family. The Party did award large families with certain benefits, including money, so that they lived above the poverty level. Large families were considered as 10+ children and came with a commendation from the government (a medal) for the “work serving the State”. There are, at this point, several awards and commendations issued.

My grandfather received several for his work in his industry (he literally built part of the industry in my city of birth and had 5,000 people under him), which he sincerely considered worthless garbage. I have a different perspective than he did and we argued many times about it.

My parents’ schooling, jobs and places to live were decided by their family situation to an extent but to a greater extent by the State. My parents were admitted into university (Polytechnique is the equivalent) based on the number of placements which the State predicted to be required for very specific projects. As a result, the marks of the newly admitted students mattered greatly, as the project one would be assigned to could be in a better city or worse city. My parents were in their early 20s when they married and as a result were assigned together in the same city, but based on my mother’s marks and my grandfather’s work position, which guaranteed them both jobs. One could not be without a job; there were three shifts where my mother worked, for instance: 8 AM to 4 PM, 4 PM to 12 AM and 12 AM to 8 AM. Monday-Friday. Weekends were for volunteering (you guessed it, each citizen was assigned a volunteer position until they had children). The State located people who were unemployed and assigned them into jobs constantly, but there was some logic to this because one was assigned a job based on their education. My parents were both engineers, which was a reputable field; both worked in automotive. At that time, Romania produced its own cars, trucks, etc but we still did import some models and my grandfather would later win a French car from the lottery. This was unusual because by then (70s) the country was beset with isolationist policies as a result of Russian interests and isolationist policies. (if you want to know more just look up Brezhnev… a lot of things will then start making more sense). Post communism, as students, we were all constantly evaluated with tests and compared against each other from a very young age. Standardized tests were and are still a matter of course in Romania. Each year, we had exams and in my school, the “passing grades” were far above 51% as we were competing with each other for a very limited amount of spots. For example, I was in a class of 30 students, and my marks had to be above 80% at the end of each year, but I competed for a spot at the end of 4th grade and was to compete again for a different spot for high school (same school) at the end of 8th grade. These were standardized tests for several subjects, so a lot of us spent long hours in tutoring to ensure that our grades were up to par. We also had behaviour marks: if we skipped school (unacceptable) or talked back (we could be hit for this as punishment: that’s the only thing that has been a visible change since I was in 4th grade vs 8th grade for me because the Ministry of Education passed laws against it. But I was hit in 4th grade. Hard and more than once. Once I distinctly remember it happened because I stood up for a classmate. I got in trouble for doing this more than once in my school career, but … I never quite learned that lesson lol! Class punishments for one student’s transgression remained common, but no hitting.) In Canada I explained the above to my therapist and she was kind of shocked, lol, but she had asked me how long I had been struggling with anxiety and I did not have an accurate answer. Mental illness in Romania is not and was definitely not acceptable during the Communist period. People were put into forced care, which often lasted for months or years, if they weren’t outright killed. LGBTQ+ people were never permitted out of the closet, and they were subjected to conversion therapy. (I argue that the latter would not happen on Cardassia Prime, but that’s another essay for another day) 

Everything was rationed, especially starting mid 1970s. That means food was rationed (people had cards with lists that were checked off by government workers, if I find a copy of ours I’ll post it) gas was rationed (no more than 2 large flat metal cans per vehicle and gas stations were extremely far apart) and the government set up a system for clothing: if one had had a baby, a family member could collect a baby box which could contain anything from pacifiers to formula bottles, to formula and baby food and possibly blankets. No regular citizen was ever to be informed on what exactly they were going to receive. I asked my mother what my box contained and she told me my grandfather lined up for it and the workers recognized him and she believes they may have given him a better one/extras. We’re not entirely sure, but mine was useful. It had a pacifier I never used, a formula bottle (we still have that) and a few other things.

 There is no church and no religion which can come before Party or State. The Orthodox Church is the official state religion, but it is in and out of favour depending on how much they can “serve”. Every citizen MUST serve The Party and the State fully. This meant everyone over the age of 18, voting age, is a member of the Communist Party. (my parents and their parents were members; I am certain my grandmother burned her party ID card after December 1989  :) ) Socially it was more acceptable to be Atheist.  So you are probably wondering: how did the State effectively control people for that long?  -propaganda; this was present everywhere from the more subtle (posters in the workplace) to more obvious (party meetings, union meetings, schooling)  -The Securitate (this is that Obsidian Order). I often joke about the Obsidian Order. A lot of people probably would get upset with me, but the truth is that most of us bore the weight of the Securitate by making dark jokes about them because there was little choice. Many people disappeared without a trace and this happened pretty frequently. My grandfather told me of many arrests which would happen in the middle of the night. The next day, everyone (co-workers, family members, etc) were to pretend that the person who had been arrested never existed. That’s not an exaggeration. Most homes were miked/bugged so one’s phone conversations were recorded. Additionally (or perhaps even more importantly), family members were enlisted to report each other. So, mother reported son/daughter and children were expected to do the same.  Another way in which people were recorded was in the workplace and restaurants. Specifically, a clear, good quality microphone was placed in or under flower vases in restaurants, and restaurant owners were directed to place a flower vase on each and every table. That’s a small example :) . 

The members of Securitate did not have uniforms normally because they were practically undercover at all times; they also received information via travelling and talking with regular people as if they were having a friendly conversation, or playing with children in parks. (surprisingly effective) However, the Securitate did have military/army designations, such as “Lieutenant”, “Major”, “General”.   My grandfather, one time, in an act of open defiance, actually raised his voice at two agents who were talking on the same line he was using. He knew he was being recorded, but he was trying to conduct business for the day… and the two agents had been making weekend plans… he never heard them again. After the 1989 Revolution (or Coup d’etat), my grandfather continued to openly greet former Securitate members in public by their former designation.  Many of them were old men by the late 90s. He always told me, after we’d part with such people, that I must continue to be careful, lest I be followed, watched and reported on. He frequently insulted them with information he’d obtain through unofficial channels… but although he was offered better pay, positions in the Party and a job, he’d turned it down saying he was “an engineer” and “I am better serving as an engineer for the State”.

 I can and will answer questions about any of this.  (Part two will be at some other point in time... if anyone is interested in reading another 1500 words...)

[lovenerdywinnerbouquetfan-blog]

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I'm 16 have a 1986 iroc camaro 350ci and i live in an average neighborhood in western ny i'm a male. any insurance guestimates? I'm gonna need to be on my own plan.

What's the best site for cheap bike insurance ?

need to insurance my moped but want to make sure I get a good deal and cheap, any ideas ? thanks 

Can someone name some cheap car insurance agencies for teens?

Can someone name some cheap car insurance agencies for teens?

How much would insurance cost for a USED EVO 8?

The other day my auntie said she will buy me a car. Her husband is a doctor and makes alot of money. She has helped our family out a lot with financial problems before in the past. So I was just wondering if she were to get me an 2003-2005 EVO 8 which I probably wont get, how much would the insurance cost, the car being under her name. She says all I have to do is pay for the insurance for a car so I just wanted to ask the Yahoo nation for some information on this situation. Oh yeah one more thing im only making a lousy income of about 1084 a month so yeah feel free to bash on me............""

Where is the best place for cheap car insurance for my 17 year old son?

Help!! My son has passed his driving test aged 17 but the insurance we've been looking at astronomical!! Can anyone advise me on any good deals :)

""Buying car insurance(GEICO) for the first time ,?""

Okay so in approximately 9 months I will be purchasing my first car , now I know the smartest and safest thing you can do first is get insurance .. what I need to know is how does it work , like do i get the insurance first ? How does buying geico insurance work ? what's the prices for first time buyers ? Do I pay buy the month , every other month ? .""

Car Insurance estimate for a 17 year old.?

How much do you think insurance will be for me (a 17 year old male) driving a Vauxhall Corsa 1.2L 2004? I have looked on websites for quotes but I am not yet 17 and you have to be in order to get a quote and I think they will check the household to make sure you are the right age. So any guesses on how much it should cost?

What is the best insurance website?

i need to know so i can go to it and get insurance

shop life insurance quotes

shop life insurance quotes

Cheapest/Best auto insurance for parents of newly driving teens?

My son will be 16 tomorrow and got a learner's permit Friday.

How do I get the cheapest car insurance?

I am 21 years old and have 2 years no claims bonus, I am in no way going to lie to the insurance companies just to alter my life to get the cheapest qoute wink wink can any one tell me if anything helps like where I work or how many kids I have??""

What is the average deductable on car insurance?

What is the average deductable on car insurance?

How much will my insurance go up after one accident if i backed into somebody but barely scratched their car?

How much will my insurance go up after one accident if i backed into somebody but barely scratched their car?

Cheapest car insurance companies??? help?

Me and my bf r trying to move in but his insurance rate is up the roof, he had a terrible car accident in nov. 2 speeding, 2 reckless, 1 failure to stop a light. I know its a lot but ...show more""

Can anybody give me an idea on car insurance?

Im 18 year old and am from the uk i want to buy a mazda 2. i hold a clean uk driving liscience and would like to no if anybody has a rough idea how much per year i will pay for car insurance.

""When you buy a car, what payments do you to pay and how much would insurance be for a 17 yr old?""

When you buy a car, what payments do you to pay and how much would insurance be for a 17 yr old?""

What car insurance company has the cheapest coverage for drivers aged 18-25?

Chicago-land area companies would be best. Any insurance 100$ or less????

Which company is the best to buy car insurance from?

I just bought a new car, but i don't know where to get car insurance with the least amount of money.""

Auto insurance rate increase for California?

i noticed this year 2008 when i was up for my 6 month renewal monthly payment plan that my payments were higher. i bought my car, a mazda cx-7 june of 2007 and i was paying $95 a month, now i have to pay $114 a month. no new accidents or tickets since buying the car. i was expecting nothing to change, but then i noticed this. so i called them (esurance) today and they told me that all of California had premium increases. is this true? i had a feeling they were bullshi**ing me. can someone please give me a link to this in the news or something if this is true? are there any other reasons why my premium should have gone up if i didnt change anything on it from last year? i always thought if everything is the same and my record is clean it should go down slightly every renewal? should i shop around? (26, male, san jose, ca, good driving record, esurance car insurance)""

Do transformers buy life insurance or car insurance?

i recently bought a Transformer and i'm not sure what kind of insurance i should get for it. They're alive and stuff so maybe life insurence but also they are a vehicle when they are in disguise, what do you think?""

Are the advantage insurance plans better than standard medicare supplement insurance?

are advantage insurance plans cost effective over standard medicare supplements plans

Are BMW more expensive to insure?

Specifically a White 2006 BMW 325i. I'm 21, never had any traffic violations, had my license since I was 17. I'm looking to get rid of my old 1994 Crappy Mustang, and getting a White 06 3 Series BMW. Will my insurance be expensive? Additional Details: I plan on financing, which means it will require me to get full coverage.""

Whats the price of insurance for a mercedes benz c class?

Im planing to buy a c class in the next couple of months but i want to be really inform before i buy

""What would be the best insurance group to go in, if I am a first time car owner/driver?""

Hi, I am going to turn 17 in the autumn and I am looking for a first (used) car. But I am unsure about which insurance group is the best to go in? Someone told me I could get insured fairly cheaply on Group 5? I would like a reliable car, at the moment I am looking at Ford Focus, Volkswagen Polo, and Fiat Punto. I want it to be fairly new, and look good. I can spend up to 2000. Hope you can help

I recently moved to Brooklyn and I need to find affordable auto insurance for my car. Any suggestions?

I know car insurance in NY is expensive in general, but any suggestions would help!""

How much do you think my Motorcycle insurance would be? for a 250CC bike?

I signed up for a motorcycle MSF class to get my license and to get experience riding a bike. I plan on getting a 250cc bike because I think it's what suits my needs and desires of what I want out of a motorcycle. Also, I don't need anything bigger/faster because I'm quite a daredevil and broke my back 3 years ago. Anyways, I'm 25 now and have matured enough to know my limits and to take it easy. Well, one of my main concerns is the cost of insurance. As of now I pay $330 a month for my car insurance. I have somewhat of a bad driving record, and that's why my auto insurance is pretty high. But i haven't done anything too crazy, like no DUI's or license suspensions. Only 1 speeding ticket too out of all these years. Anyways, i've been looking primarily at the Honda CBR250r. What would you guesstimate i will be paying for insurance? A quote for the average coverage and for leisure purposes only too. Thanks.""

I am a resident of California and a permit driver. Do i need to be insured or my parents' insurance will cover

me? will their insurance cover me in case of an accident or not? simply, while a permit bearer, do i still need to have an insurance?""

16 and want State Farm Auto Insurance?

I just turned 16 a couple months ago and i already have my license, and i live in Colorado. My parents have State Farm auto insurance and they want me to pay for my own insurance when i get a car. I already know that you can get a bunch of discounts for things like getting good grades and attendence and safe driving and not driving your car to school, but anyways i was wondering how much it would cost me without any discounts? Like how much would it be every month or so? I do have a job but i dont know if i would have enough to pay for car insurance. Any help is needed! thank you!!!""

""I have just got my provisional licence,and want to be put on my mums insurance.?""

Hi All, I have just received my provisional driving licence, and want to be put on my mums insurance. Of the people who have done this, could you let me know roughly how much it will cost, and can I pay in installments. The cheapest quote I have had is 72.50 , but it seems I would have to pay that all in one go, which I can't really afford to do at the moment. Does anyone know anywhere cheaper where I could pay in installments. Thanks Guys""

Can I get Motorcycle insurance for a hired motorcycle in Thailand?

I am planning to spend two weeks in Phuket and intend to hire a motorcycle. Is there anyway i can get compriensive insurance for this? Thanks Phil

Car insurance cover needed?

I need to get car insurance. I am a 23 year old guy. Anybody recommend good cover which will not leave a hole in my bank balance?

How long until driving on a suspended license ticket on DMV record is ignored by insurance companies?

How long until driving on a suspended license ticket on DMV record is ignored by insurance companies?

Cheapest car insurance in san antonio?

Cheapest car insurance in san antonio?

I already have car insurance and I am getting a new car...?

I already have car insurance which I paid in full in December 2012 which cost me 2500, I have got a new car and they said I owe them 550 for the remaining months, could I pay this monthly or does it have to be in full?""

shop life insurance quotes

shop life insurance quotes

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Zap North Dakota Cheap car insurance quotes zip 58580

"Zap North Dakota Cheap car insurance quotes zip 58580

Zap North Dakota Cheap car insurance quotes zip 58580

BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr 

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I have been offered a company car at work and can go up to group 16 insurance. I do a lot of miles but would like a sporty responsive feel. Thinking about a Cooper S or dare I say it one of the pokey diesels..! Any suggestions.....?

What are auto insurance rates based on and why do some companies cost more than others?

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I'm thinking of retiring early. I would utilize COBRA for the full 18 months. After that, I would purchase an individual plan. I'm extremely healthy, no preexisting conditions. My concern is, if I were to become ill after purchasing the individual policy, could I be dropped? I would, of course, make sure payments are always on time. I live in California. Any help would be GREATLY appreciated. Thanks!""

About car insurance?

i got a used car,mitsubishi sports car,1999....im a first time driver..they say i have to pay like $150 but then it would increase if its a sports car..how much do u think will it add up?do u think it will add up only a couple of dollars or way higher?thanks!""

Cheap car insurance for teens?

I'm 17 and interested in either a Clio, Punto or Polo. I've looked everywhere!""

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If I am insured but I drive another car (included on policy) but that car is not insured by owner will ANPR pick up car has no insurance and do I commit offense? And if I am not insured but drive a car that is insured by owner does it come up on ANPR as being insured and therefore I wont get caught? Is the driver insured or the car???

""I am 30, and took out a life insurance policy on myself...?""

Since its over 100,000...They have to take blood and urine...why?""

""On Car Insurance, do additional drivers have to drive the car?""

Im trying to get quotes for car insurance. Im a new driver and buying my own car myself. By myself the quotes are quite high, around 5000. Ive added my mum as additional driver (im the main driver), that got it down to 3500. But I was wondering, what would happen IF my mum didnt actually end up using the car? She probably would...but I was wondering if it would effect my insurance if she just didnt end up using it?""

""Car insurance question, custom-built cars?""

I was watching a SciFi show where a company in Florida builds cars. From a welded frame, up! For street driving. Can you get insurance to drive such a car? You cannot say 'Ford, ...show more""

""Hit a mailbox, will cost $2,500 to fix, how much will my insurance go up?""

The other night i crashed into a mailbox. It was completely my fault and it will cost $2,500 to fix it. I was wondering how much my insurance premium will go up per year about? I am 20 years old and have gotten 1 ticket before.""

Can you get car insurance for a vehicle you build from the ground up?

I am considering building a car from the ground up as a project. I have noticed that there are similar cars that are collectors, but none with the creature comforts todays cars have, so I was interested in attempting to meld the old and the new. Is it possible to get auto insurance so that you can drive such a car on the road?""

What is the best photographer's insurance in the USA ?

What is the most complete insurance for photographers? (experienced pros only please)? MUST INCLUDE: 1.Injury of photo assistant (eg hired help getting hurt on the job carrying something heavy) 2.Camera/equipment theft and damage I'm not sure if the stuff the PPA sells is really fully complete or just cheap insurance Category Arts & Humanities > Visual Arts > Photography

Can i get car insurance in my cousins name?

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""Insurance cant get a hold of the other at fault party, what do?""

I was involved in a traffic collision where I was rear ended by another vehicle. Police report was filed, the information was traded. I filed a claim with their insurance and mine and have not herd anything from the other party. Everyday I contacted their insurance and they still cant get a hold of him. My vehicle is not in drivable condition so I am forced to wait, since I do not have money at this moment to pay for my deductible, I just stared a new semester and spent close to $800 on books. To make matters worse my work has come to a standstill and no income is flowing. I am thinking about hiring an attorney to help me recover the losses. What should I do? If the guy never responds what happens? Is there a law which states how long the other individual has to file a claim? Thank you. I live in the state of California.""

Minor accident no insurance ?

I got in a minor accident I'm 17 my dad has insurance but I'm not under that insurance the cop showed up and just told me I had court there was no injuries what am I facing ? My car got chipped the other car was only paint scratches

Seven years ago i got a speeding ticket with no proof of insurance in california.?

Then they turned it in to collections and suspended my licence. When does it get cleared?

Gerber Life Insurance?

I'm currently pregnant, but I've received several pieces of mail about this life insurance. I was wondering if anyone has it and what they think about it. It seems like a good plan, but then again, life insurance for a 1 year old seems kind of strange.""

Can car insurance charge you if you dont have a car?

state farm is charging my mom extra $$ because i got my license a few months ago (im currently 21) i got it late but they are charging her and i dont even have my own car. are they allowed to do that? how much would they increase it by?

Cheapest car insurance south australia?

what is and the price, for the cheapest car insurance places in south australia for a japanese import car with a turbo for a p plater, 16 years old, nealry 17? thanks""

""What insurance company is the best to work for,as an agent?""

Which insurance company is the best to work for as an agent?..Allstate,American Family,Statefarm,Nationwide...etc""

Are you in favor of getting rid of health insurance for people with pre-existing conditions?

Are you in favor of getting rid of health insurance for people with pre-existing conditions?

Should Keep or Look into term Life Insurance Quotes?

I have a whole life policy which I have been paying 45.00 per month for 16 yrs. I have to pay this amount until age 99 so they say. The amount it was for when I bought it was 50,000. It builds cash value. I am now 62. Should I keep this policy or look into term insurance?""

How much is motorcycle insurance?

im about to turn 18 and im planing to get a sport bike but i want to know how much the insurance will cost me

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Zap North Dakota Cheap car insurance quotes zip 58580

Zap North Dakota Cheap car insurance quotes zip 58580

How much will insurance cost for a motorcycle in CA if im 20 years old ?

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Can I take off car insurance if my car has been repoed?

My car has been repoed due to lack of payments and thus they repoed the car. They are even already putting it back on sale. Can I take off the car insurance, then?""

Can i buy car insurance for 1 month?

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What's the best and cheap health insurance for self employed in US?

What's the best and cheap health insurance for self employed in US?

What is the average cost of having your wisdom teeth extracted without insurance?

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How much would insurance be for me?

I'm 16 and I've had my license for about seven months now. We've had financial problems so we've held off getting insurance. But, now we have a situation where I would need to drive the spare car to and from school. (I would only be driving a total of 16 times, 32 if you count round trips) It's a Hyundai 2010 Elantra, but I may also be driving the 2012 Mercedes C250. Would it be more affordable if I were to go under my mom's insurance? Possibly my father's? My parents are divorced. My main guardian is my mother, but my father only has had one car incident while my mom has had several. All, however, have been minor. And, separate question, but is it possible to only get insurance for a month? If so, I think I would be able to pay for it myself, but if not, I would need a fairly cheap insurance policy.""

How does coordination of benefits work with health insurance?

My primary insurance is through my employer, my husband also carries on his employers insurance (United Healthcare). How would my claims be processed under the two insurance plans? Would his insurance pick up where my primary insurance left off?""

What is the number of health insurance companies in the world?

What is the number of health insurance companies in the world?

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How can I check what is affecting my car insurance prices?

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Health Insurance for Small Business Owner?

Wanting to know how to find out two things: 1) the best health insurance coverage and 2) for the best and most affordable price. My husband is the sole proprietor of a small business he runs. He'd like to get good health insurance for the two of us but what I've looked into has been incredibly expensive for good coverage or cheaper for not-so-good coverage. Someone recently told us to look into becoming incorporated as that may help (I don't know how though). Any ideas? Thanks in advance.

Can I get car insurance from a country in the EU (but not in the UK) when living and driving in the UK?

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Can I RENT A CAR for like a Day in CA without a CA License? without Car Insurance?

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""Im 19 Before buying my truck, insurance, down payment?""

Okay so I'm gonna finance a truck next week with 2,000 down is that too much ? 377 a month! I'm 19. I make 2,000 flat a month pay 250 for rent I live with my prents so 1,750 are for me(: my job is 15 minutes away (: Anyway do I need insurance too take the car home ? Can I get it later ? I asked for a over the phone quote with adranas insurance and it was $200 and they want $300 upfront for the first month that's way to much! Would those $200 a month go down ? And how long do I need full cover on the truck I would buy? I never had an accident never had a ticket or anything my license is clean I got it about 9 months ago! Can I put the insurance under someone else's name ? Like my dad ? Or what can I do ? It's a 2004 silverado v8 2 door! They said I need insurance with 500 deductible what does that mean ? I live in Los Angeles 90018 CA""

Car insurance. Confused.com?

Hi, I have to do the car insurance for my dad. My dad used confused.com last year. I have all the information stored there and i want a new quote. What to do press because the page has changed and I don't know much about these things. I want to get a new quote with filling anything in again. What to I do? Thank you very much.""

Waht is the best motorcycle insurance provider for ontario?

i have a 1000cc irohead sportster 1984 and i live in ontario. i was wondering what the best insurance provider would be thanks!

Im 18 and live on my own...but im on my parents insurance still. can my parents see what i go to the dr for cuz im using their insurance?

Im 18 and live on my own...but im on my parents insurance still. can my parents see what i go to the dr for cuz im using their insurance?

How much will my car insurance raise? I got into an accident I have state farm?

How much will my car insurance raise? I got into an accident I have state farm. It was only a small fender bender, I had ran into a girl, i only hit her bumper, there is only a scratch. My car has a broken cornering light and dent in the fender. I have a Ford Ranger and she also has a Ford Ranger. I got a ticket for following to close. What can i do? for the insuance and ticket?""

What the best life insurance for a 23 year old female?

i want what best so when something happen to me my girls has the money to buried me nice. I want something that don't go away in 30 years and i half to get another policy. ...show more

Where can i get the cheapest car insurance?

i live in virginia

Zap North Dakota Cheap car insurance quotes zip 58580

Zap North Dakota Cheap car insurance quotes zip 58580

I live in california and need health insurance. What should I get?

I live in california and need health insurance. What should I get?

Anyone know how I can go about canceling my Gerber LIfe Insurance?

Hi when my daughter was born I applie for a Life Insurance company called the Gerber Life Insurance policy. I've been paying it for about 2 years now but would like to cancel it. Does anyone else have it, can you please explain the benefits? or how I can go about canceling it and will my money be returned. Thanks!""

Can I get insurance if I don't have a license?

I'm 18 and want to get my license but I need insurance, can I get liability without a license and about how much it would cost?""

Car insurance rates depends on Car Makes?

I have a really big issue on my hands, and that is finding a car that doesn't have a high insurance rate. What is the difference in insurance prices with different cars like BMW and Honda/ Toyota and Cadillac? Also, provide a source! plz! thnx!!""

""When changing auto insurance company, is there disadvantage?

I have an auto insurance with my honda civic si 2001. I got the quote last year from Johnson.Inc. comprehensive $230 every month. Someday they called me said some mistake with my quote and change the price without permission goes up to $400per month. I want to find another insurance company I mostly got quote around $300 comprehensive per month without deductable.But don't know do i have to pay any penalty or disadvantage to change it?

I have no insurance and need an abortion?

Please dont judge im young and recently found out im pregnant. But im not ready for a baby... I would love to keep my child but if my parents ever found out they'd literally disown me. I have no insurance and I dont know how much an abortion would cost. I was thinking about getting the abortion pill still not sure. How much would that cost?I checked online but it didnt say anything about abortion.

If I had this non fault accident would my car insurance still gone up?

Okay a week ago I was about to have an accident I passed a railroad track when no train was comming and the bars were up as well so I passed the railroad and I made a turn so this had a stop sign at a corner and didn't make a complete stop so I was passing since I didn't have a stop sign or yield sign and this guy just stepped on the gas and went into the wrong way and then he tried to jump into the way that I was going and I was about to hit him because there wasn't enough space for him to change lanes safely. And so I remember that the day that my dad went to get insurance for his car they told him that they had a record of the accident that he had back in 1991 which wasn't his fault.

What are some of the cheapest cars to insure for a 16 year old boy?

I'll be getting my license in less than a year from now. I wanted to know what cars are cheap to insure. I don't want a crown vic, I don't want an unreliable car that constantly breaks, and I don't want an unsafe car such as a hyundai accent, chevy cavalier, etc. I want a sturdy car that can withstand an accident, no full size, preferably compact, but I'll settle for mid-size. I was thinking of a saturn because they're cheap and reliable. Or a Ford focus or ford contour. I also want to know if a ford escort is safe and reliable, cuz they seem like good starter cars. Out of these types of cars I've talked about, What makes and models are good? It doesn't have to be what I listed, and I'd like a list or a few cars that are cheap to insure.""

Cheapest insurance companies for 17 year old in the UK?

Got my cheapest quote from AdrianFlux so far. Anyone know any really cheap companies that would cover a 17 year old in Northern Ireland. Thanks

Can insurance companies renew car insurance without owner`s permission?

My friend has just had a letter from her old car insurance company, saying they have set up a direct debit for monthly car insurance. However, she has recently changed car insurance companies, and has not instructed the old company to set up these direct debits. Is this legal?!""

I haven no health insurance?

i have no health insurance and apprantely i cant get medicaid or anything like that but i'm sick and i'm about to loose my job due to the rescission like millions of others..but my question here is what can i do to get medical help if i have no type of insurance?

Will getting quote for Insurance affect my credit?

I am trying to switch to an insurance company with cheaper rate, so I have to get quotes from several. I am wondering if it will hurt my credit if everyone check my credit using my SSN? soft inquiries just like when I pull out my credit report?""

How much insurance for a 16 years old boy?

in california

Is having a health insurance mandatory in California?

I am moving from Massachusetts to California at the end of this month. In Massachusetts its mandatory to have health insurance and if you don't have it you can get penalized on your taxes. Is it mandatory in California as well?

Can i get a no insurance ticket if the car was insured but my name isn't under the insurance?

i got pulled over and i was driving my brothers car so the cop gave me a ticket for no insurance cause he said that my name wasnt under the insurance. If i go to court and show the insurance that i had in the car will they still fine me?

""I'm not covered by car insurance by my parents insurance, I still live at home,..?

They don't allow me to drive the cars because I'm not covered. Can I drive the car when it's in another house that they own?

Taking a car off your insurance?

My sister is taking my car off her insurance and she says I still have to pay the $88 that I owe her every month. She cannot cancel the insurance until she has the tags, I sent her the tags yesterday and she'll turn it in before the first (the date I usually give her the money). So now I have no car to drive, do I still have to give her the $88 if she turns in the tags before the first? Please help. She's the type of person who will take as much money as she can from you, I do not know anything about insurance and she uses that over my head.""

Urgent question about medical insurance for college students!!!???

I'm a student at a major university in the state of Washington (not that it matters for the question I guess). I'm still on my dad's insurance but it's going to expire on my birthday this year. If it is verified that I'm a student at a college (I don't think it matters whether it's a university, community college, trade school, whatever), then the insurance can continue. I stupidly dropped a class close to the beginning of this term, and this unknowingly dropped me *just*, just barely to the status of 'half-time'. I really didn't realize this would happen and has caused me all sorts of grief with the financial aid gods (lol)...I already will have to be writing appeal letters explaining my mistake. Well, I digress, but my question is: For this insurance matter, do I just need to be a student or do I need to be a full-time student . If it's the latter, pardon my French, but I'm pretty much, f**ked, aren't I? Anyone know the answer?""

Estimate on car insurance for this car?

Okay, I'm looking to get a used 350z for my sixteenth birthday. I know car insurance is going to be really high for it being a sport car and for me being only 16, but I'd like an estimate to see where I'm going with this and I'm not sure how to do it myself. :) Here's a link to the car: http://www.nissanusa.com/z/index.html""

Best & cheapest car insurance?

Who is the cheapest but still good car insurance that you think...

Motorcycle insurance in GTA?!?

Hey, I am 21 and has had motorcycle insurance now for the past 3 years and have been insured for a 2009 kawasaki ninja 250r. I am currently paying $1700 a year for insurance with td and have a perfect driving record. I want to switch my bike to a 2012 harley davidson iron 883 and just got a quote from them for $5500 a year!! I think that is ridiculous! Does anyone know of any good motorcycle insurance for harleys or are similar in age and paying less? I really want this bike but $5500 a year is nuts. I can buy a brand new ninja every year lmao.""

Life Insurance Companies?

Please give me the names of the five best life insurance companies.

""I need health insurance but can't afford it, please help.?""

I am a 22 year old female, I work full time at a minimum wage job that does not offer benefits. I am a diagnosed bipolar and need medication for it that I can't afford without insurance. I also need health insurance because I need to pay for therapy, medicine for over active bladder, acid reflux, insomnia, and muscle injury. I have a lot going on and need to know if there is any way I can get cheaper insurance. Please help me.""

Dental insurance ? Or medical insurance payment plans ?

Hi I'm a 20 year old and I currently am looking for a dental insurance an in California but I don't know what good company is good and not as expensive since I do live on my owns and stuff. I really need to go get my teeth checked up but I can't afford to go in a visit with no dental insurance. Someone please help. What are good entail company's that get get me approved on a good payment plan or something pease ans thank you for your time?

It is good to Invest in LIfe Insurance than a Bank?

Life Insurance cover -Accident insurance -Death Insurance -Hospital Insurance -and they say you can retrieve the money that you've deposit if you don't like to continue with a good interest. anyway the life insurance that i talk to is sunlife flexilink, they say it is good to invest unlike in a bank please give me an advice, thanks""

Zap North Dakota Cheap car insurance quotes zip 58580

Zap North Dakota Cheap car insurance quotes zip 58580

How Much Is the insurance going to increase?

Today I hit a car :( and although it was minimal damage, he decided to report it. I wanted to know how much is the insurance going to increase. Take in that i'm not in the policy its under my mom's name.""

I am looking for an eye docter that takes any insurance in los angeles california?

for kids that will give contacts

Am i paying to much for car insurance?

I am 23 have a 1990 buick car. I have have nothing on it besides a stop sign which should be off my record now, it was 4 years ago when i was 19. I am paying $386 for 6 month period. I go though shelter insurance. They said it won't go down until i am 25 or married. thanks""

Insurance on a Firebird?

looking for cars with the lowest insurance rates but idk anything about that... i know sports cars are more expensive. age, location, record and all that too.. but are firebirds generally expensive to insure?? and bc its older will it be less expensive?""

Questions about car insurance?

I understand that I will need car insurance and when I do get my first car my insurance will be high (I'm 17). My parents don't drive, so I can't rely upon them. Tell me if I'm wrong and help me out... 1. So the big picture of car insurance is that if I get into an accident, the money I put for my car will be paid for with the money I put in? 2. Will car insurance cover anything I do with the car? (Such as swapping parts, oil change, etc.) 3. Why does insurance quotes matter? Doesn't the more you pay the better coverage you have? Why do you need to save money? Are they trying to make you pay less so you if your accident can't be paid fully, you will pay with some other type? 4. How much will insurance supposedly cost? My first part-time job will only pay approx. 30k a year, I don't know how much I'll lose. 5. Does the type of car affect how much I will pay? (Hopefully, but I will be getting a Scion FR-S automatic) 6. Which car insurance company is mostly recommended for teenagers? Thanks for your help!""

Trying to come up with a slogan for new auto insurance business?

Can anybody please help me come up with a catchy slogan for a new auto insurance business I am starting

Question with progressive insurance?

Ok heres the deal. Last September we were backing out of our driveway and bumped into our neighbors drivers door on his late 80's mazda mx3. It caused a little dent in his car and just a tiny scratch on our car. We agreed that we will just handle it outside of insurance once spring came. Now that the snow finally melted here, he left a note on our door saying he wants payment in full in 7 days or he will report to our insurance. My question is, progressive told us they put it under property damage so there is no deductible but what will this do to our rates if anything? Thank You""

How much you pay for car insurance if your in early 20's?

I'm a 21 year old college student. Im going on to my junior year and have just gotten a car. I have always gotten a ride with my friends. I got a quote from Farmers Insurance for $2600 for 6 months full coverage is that normal?

Which cars are cheap on insurance for a 17 year old?

Which cars are cheap on insurance for a 17 year old?

Any ideas how i could get my car insurance quotes lower? 18 year old female driver?

Okay so every time i go on price comparison sites etc, my quote will not go below 2300! no matter what car i put in with a small engine, nothing chages what else can i do? i must be going wrong somewhere because lots of people get insurance below 2000! i cannt add any additional drivers because noone in my family drives thanks! :)""

Life insurance question?

lets say i want ten policy's worth 750,000 each why would this be a problem as long as u had the money to pay the Premium and you tell each company the truth.....""

What insurance do i need?

I am buying an house I know i need buildings insurance and insurance to cover for if we are out of work, but the life insurance I take out do I HAVE to take out with critical illness to be able to go forward with my mortgage.???""

Does a paid speeding ticket affect auto insurance rates or anything?

Does a paid speeding ticket affect auto insurance rates or anything?

Can the government require us to buy insurance?

If the government requires us to buy insurance, cant they force us to buy anything they want? Couldnt they also forbid us to buy something they dont want us to buy? What happens if the insurance cost a million dollars and we don't want to buy it? We can no longer refuse to buy it. We are required to buy through the government. How does that empower the consumer?""

Help with finding individual health insurance?

I'm 16 and my parents do not speak English. My sister and I (16 and 18) have Child Health Plus and my mother has insurance through her job. My dad currently has no health insurance because he could no longer afford to pay over $250 a month for insurance. He has diabetes and is having trouble controlling his blood sugar. How do I find an affordable insurance company? They said we can't have family health plus since we make a little over $3,000 a month but half goes to rent. What should I do? What is Healthy NY? Any advice??? thank you""

Is there a grace period on car insurance coverage after a cancellation for California with Mercury insurance?

Had coverage with Mercury insurance. Expired 12/05/07, but renewed it on 12/07/07. During the on day lapse was hit by an uninsured vehicle and now Mercury insurance states there is no grace period, so I wanted to know if there is a California law that states other wise?""

Car Insurance query (involved in accident)?

Yesterday I was involved in an accident, I was stopped on the motorway when a car was going too fast crashed right into the back of me, pushing me into the van in front, the recovery guy who picked my vehicle up said it prob will be written off due to its age. My questions are: a - I am an additional named driver on the policy with direct line, the policy holder in my mum, we didn't select for courtsey car, and my friend seems to think that the person who crashed into me, his insurance company should provide me with one? And if so how do I go about this? b - I think I may have whiplash, my neck is extremley sore and I can't look to right and left without turining my whole body, I am going to doctor's tomorrow, do I get compensation for this as it said online you can claim loss of earnings but at the moment I am unemployed. I spoke to Direct Line who advised providing the man admits it was his fault (I can't see him not as it clearly was) then my mum won't loose her no claims. Thanks""

How do I get points taken off of my license?

i live in California and i about 2 months ago crashed my car and was cited for a failure to yield ticket, because i am only 16 i got a restricted license and i have to attend traffic school as well as getting a point, i was wonder if i could get that point taken off?""

Why is car insurance for girls cheaper than for guys??

funny.. Each time i notice a careless/reckless driver, its a female.""

What is the average car insurance cost for new drivers in NJ?

17 yr old driver male extra cost cost per year on parents insurance?

Car insurance questions NYC?

I'm a Newly licensed NYC driver... I have had my license about 7 months. I am now getting a car and I need to begin shopping around for the best and cheapest possible insurance in NYC. Can someone please list ALL of the companies wheather it be online companies as well and give me your opinion about which one you might like best? Thanks a lot!

If you get scissor doors installed on your car does the insurance go up much?

The car is a honda civic 1.6 vtech sport, and im 17...If it does go up, how much roughly.""

Health Insurance Options?

If I move out of my parents house can I remain on their health insurance (In Massachusetts)? I am currently on my parents health insurance and I plan to move out but I work part time and the health insurance my work offers is around 500 dollars a month.. which I simply cannot afford. If I can not remain on their health insurance does anyone know of any other alternatives?

What is the cheapest health insurance in California for Students?

I am a students planning to attend UC Davis this Fall. I just found out that all California Universities require students to have health insurance. What is the cheapest insurance out there?

Is there a car insurance company that only ask if you have any convictions within the last 3 yrs instead of 5?

Is there a car insurance company that only ask if you have any convictions within the last 3 yrs instead of 5?

Zap North Dakota Cheap car insurance quotes zip 58580

Zap North Dakota Cheap car insurance quotes zip 58580

https://www.linkedin.com/pulse/looking-best-lic-insurance-child-isaiah-anderson/"

[nathandgibsca]

Six Nudges: Creating A Sense Of Urgency For Higher Conversion Rates!

By every indicator available, ecommerce is continuing to grow at an insane speed. Although it may seem impossible to imagine with ecommerce already totaling up to 5% of overall commerce, there’s astronomical growth still to come.

Still, I’m heartbroken that some the simplest elements of ecommerce stink so much.

It is 2018—why are there still light gray below-the-fold add to cart buttons?

#youarekillingme

There are numerous subtle issues as well. One strategic issue is illustrated by Timbuk2.

Timbuk2 pays a huge margin to its resellers to sell their messenger bags. These resellers, in turn, give a bigger cut to Amazon, who then sells the Timbuk2 bag for 30% off. Yet, when I want to pay full price on www.timbuk2.com, I have to buy a minimum of $99 to get free shipping!

I understand channel conflict, Timbuk2, but this is just plain not being hungry. You could win bigger by cultivating higher more profitable direct relationships, especially when the old world order of commerce is collapsing all around you.

And I’m ignoring the extremely light gray font reviews…on a shade grayer background!

Painful.

(I really want to buy the Closer Laptop bag. The small one in Jet Black looks cool. I refused to buy it because I don’t want to reward a lack of ecommerce imagination. I am one person, I know it is not going to really hurt them, but I don’t know how else to protest a brand I love.)

Pause. Deep breath.

I do get excited about this stuff. My heart bleeds digital.

There is an ocean of opportunities when it comes to elevating ecommerce. In this post, I want to focus my passion and zero in on something that is difficult to solve for, yet immensely profitable: Inserting a sense of urgency into the shopping process.

I don’t mean: BUY IT NOW OR ELSE!

I mean developing and inserting a subtle collection of gentle nudges that can help increase the conversion rate by a statistically significant amount.

Sizing the Opportunity.

In order to have the same passion to take advantage of this magical opportunity (nudge, nudge) you’ll first want to understand how inefficient your current shopping process is.

Do two things, they’ll bring you to your knees:

1. Go look at your ecommerce conversion rate. It shows you how often you win. :) Your overall conversion rate is likely to be around 2%. You don’t need an advanced degree in math to compute that 2% winning is 98% not winning!

Do something simple. Increase current conversion rate by 25%, quantify how much increased revenue there will be. Yes, that additional $6 mil is not as hard to accomplished for an imaginative focused team – in fact you can get that from implementing half of the recommendations in this blog post.

Bonus: The best computation of conversion rate is orders divided by users (the default in your analytics tool is sessions). This will bring your conversion rate up (yea!!). Still. Big opportunity. And, yes, I did say a decade ago that you should look at the opportunity size within all your website visitors. You should. Still. The conversion headroom is massive.

2. Go to the Multi-Channel Funnels folder in Google analytics and look at two other yummy reports: Time Lag and Path Length.

They report two dimensions of speed: How long does it take for a human to convert? How many visits does it take for a human to convert?

My preferred choice is Path Length; it is rich and actionable.

This data you’ll see, the analysis you’ll do, will scare you. It will also create a sense of urgency to do something about it!

These two recommendations will help you compute the opportunity size for your management team.

Aim for quintupling revenue, obviously, but calculating just 25% improvement will give you all the budget you need from your management to insert urgency into the shopping process. Present a yummy spreadsheet that quantifies the cost of inaction, how much money you’ll lose by not delivering a 25% improvement every week. It will be heartbreaking, and now you are ready for progress!

Welcome to Nudging.

Nudging has plenty of different definitions. Mine is simple:

A gentle incentive that creates a shift in behavior.

Another insistence of mine that you’ll note below: Nudges are based on a deep understanding of user experience. They solve for the user first, and all of the hard work is done by the company (you!).

In the long run that’ll also create a positive revenue outcome for you. Win-Win.

Below is a collection of nudges, curated from my global experiences, influenced by research and data I’ve access to.

1. In-stock status. 2. Life of current price. 3. Direct competitor comparisons. 4. Delivery times based on geo/IP/mobile phone location. 5. Social cues to the rescue. 6. Personalization. Yes, from 1995!

My goal with these recommendations is to have a big impact on your ecommerce existence, and to spark your creativity as you go out and change the world.

Let’s go have some fun nudging people.

1. In-stock status.

It mildly irritates me when sites don’t use this nudge.

How many hotel rooms, cameras, seats in a theater, are left?

Only 15 left in stock. Have that right under the price.

How about: Last run! Be one of the last 9 people to own this credenza design.

OMG! Click, click, click!

Or, 1 in-stock in the REI store next to your office.

Nudge. Nudge.

I’ll admit that you need to have a well-integrated logistics platform to make these ideas work. But given the decade we are in, if you have not already done that, you are facing an existential crisis. Please stop reading this post, pull in your agency and internal teams urgently to figure out how to dig your company out of this deep hole.

If you have a well-integrated logistics platform already, then all I’m asking for is this: lock your online and offline IT folks in a nice Four Seasons suite for 72 hours with your User Researchers, and BAM! Money will start falling from the sky.

Speaking of the Four Seasons, consider how sad their nudging strategy is vs. the one that booking.com has on display:

All the data you need for this nudge… You already have. That’s what makes the Four Seasons strategy, and that of most sites, so heartbreaking.

Convert the inventory status into a conversion boosting nudge.

2. Life of current price.

It physically pains me how rarely this nudge is used.

Dynamic pricing is everywhere. Why not share that information with the shopper?

This price is guaranteed for the next 18 hours.

This price reflects the highest discount in the past 24 weeks.

Limited-time offer applied to the price you see.

Seasonal promotion! Expires Friday.

Reflects special pricing for our highest-tier Frequent Flyers.

Price has reduced by 14% since your last visit.

I’m sure you’ll find language and phrasing that works perfectly for you (see PS at the end of this post). There is a nugget tied to a unique dimension for your dynamic pricing strategy. Please find it, please use it.

Here’s an example from The Golf Warehouse:

Here’s another one from Overstock that shows two time based nudges…

You can take advantage of other dimensions related to pricing that are unique to your digital strategy.

This one comes from YouTube TV: Lock-in this monthly rate for life.

YouTube TV’s price just went up from $35 to $40 (they added more channels). Everyone who’d signed up at $35 was grandfathered at that price – until they cancel!

Yet, this incredible benefit was not a part of YouTube TV’s merchandizing strategy from day one. You can imagine that a whole bunch of additional people (me!) would have jumped on board. Instead not only do I not have YouTube TV, I am sad/upset. Double loss.

You have an entire staff of economists, financial analysts, directors and VPs spending so much time on finding the perfect price to charge an individual. Why not convert that immense hard work into a nudge that creates a sense of urgency?

3. Direct competitor comparisons.

38% cheaper than Nordstrom.

Sometimes, by using one of the multitude of price aggregators, you can have an understanding of where your pricing is at an item level. Where the match is in your favor, why not use that as a nudge?

You can have the comparison for as long as it is valid. You don’t even need to specify a time—people are familiar with FOMO.

Only at B&H, this item comes with a free LG Watch!

First, who does not like free stuff?

Second, who does not like believing they are getting a special deal?

Three, who does not freak out that if they don’t buy it right away, this “insane deal” will disappear?

Me. I did that. At B&H. :)

Again, your merchandizing team is working hard to procure these amazing bundles for your customers, so why are they not a core part of your nudge strategy?

Costco Special: Get an extra year of warranty!

Our average delivery times to California are 50% faster than Amazon.

Save $150 on installation compared to Best Buy!

Our return rates are 40% lower than Wayfair.

You catch my drift.

Here’s just one example from SugarCRM:

Here’s a comparison on Honda’s site…

No, actually it is from Toyota’s site.

They know that if their car is more expensive, with worse mileage etc., better to be upfront as the customers are looking for that information…

You can also go deeper when it comes to implementing the spirit of this nudge. Kendrick Astro Instruments has the normal table based competitor comparison, additionally they also have a detailed comparison with images to give you more detail…

This shows hunger and desire to win… Their text:

This image displays the quality of Kendrick's cabling that we use on all Premier and FireFly heaters. Our cabling remains flexible in cold weather (down to -40° C), are all labeled for easy identification and all have metal RCA connectors..

This is the text next to their competitor's image (which you can view in higher resolution):

This image displays a competitor's cabling. It is a PVC coated RCA patch cord. PVC gets very stiff in the cold and as a result, makes it an awkward component to use at the telescope. As well, due to the lack of flexibility and give in the cold, it can defocus camera lenses.

Not all that hard to see how this nudge drives higher conversion rates.

Your employees stand up at 11:00 AM each day and sing the company song. There is a line in there about your company’s unique value proposition. Something so special, it stands out against everyone you compete with.

Why let that be your little secret? Why don’t you convert that into a nudge?

Consider how much louder your 11:00 AM company sing-a-long will be when your employees see you laying it out there and going head to head with your competitors.

4. Delivery times based on geo/IP/mobile phone location.

Amazon does this really well.

Each item’s estimated delivery time to you depends on the closest warehouse to your home address. So that Timbuk2 bag might be delivered to me the next day, but it would take two days to get to Carissa in Alabama.

Amazon shows this best delivery time for me right next to the price.

More often than not, I see that Prime One-Day or Prime Same-Day and, as if by magic, I find my mouse glide toward the Order Now button!

The closeness of the customer to your delivery environments remains an infrequently used strategy in creating an urgency nudge.

Another dimension of the delivery time nudge is order in the next 4 hours and get it tomorrow with fast shipping!

In our instant gratification culture, who can resist that?

You are $39 away from overnight shipping has been done to death. (If you are in this category, know that the last “secret” of ecommerce is that figuring out how to weaponize shipping – and free returns – is a powerful conversion increasing engine. Not easy, but your business model has to change to survive.)

But. If you are still in that world—don’t worry, I still love you—know that a behavioral shift from an emphasis on cost to an emphasis on the benefit will make a huge difference.

Add another $39 to your order and get your order 48 hours faster!

This takes advantage of the person’s location, your warehouse location, and your shipping policy, and frames it all as a positive nudge.

A couple more examples to inspire you.

Love these delicious sandals on Express. My wife thinks I’ll look prettier in the red, I think the Mustard really looks like my color. :)

I love the nudge they have built-in showing how many in my size are in stock (only one!)…

Not wanting to risk it, I click on the Find in Store link you see at the bottom of the page.

I get a interstitial that shows me availability of the sandal by geographic location…

Here’s the lovely part… I did not have to do anything. Express did a reverse lookup based on my IP Address, matched that with their stores, then checked their ERP system for inventory and got me the answer. All inside one second.

Nudge, nudge!

One more.

Dominos will now deliver a pizza to you wherever you are. Literally wherever. In a park, in the dark woods, under a bridge. They look up your mobile location (with your permission), and they’ll come find you.

Assuming you want pizza that bad.

There are still websites that ask you to choose your country when you land. In this day and age, for the sake of Zeus, I hope that is not you.  But, how inventively are you using the location nudge?

Significantly higher revenue awaits.

5. Social cues to the rescue.

The last couple of months have not been great for social networks. I’m sure something beneficial will come to the entire digital ecosystem from all this.

A minority might believe that the whole social media thing is going to die. It is not. Community and sharing are core to who we are as humans. It is not going to change. (And, you still need a place for guilty pleasures: indulging in the latest Kardashian-West clan developments!)

Stretch your imagination and it is not hard to come up with some super-clever nudges that incorporate aggregate non-PII information that is public.

People have shared this blouse 18 times in the last hour on Instagram.

80 people in California have booked this destination in the last 30 days.

1,846 Pins for this closet on Pinterest.

Our most tweeted style of underwear!

800 plusses on Google+.

Ok, so maybe not Google+ (I was genuinely excited about it, I am sad it died). But you get the idea.

Social cues (/proof) can help create a sense of urgency for a whole host of companies. Yet, I bet you’ve rarely seen the use of this aggregated information to deliver nudges.

Here’s a simple example of aggregated non-PII based social cue, from, a site you’ve seen me express adoration for in the past, ModCloth. Every product has a little heart sign, visitors to the site vote their love which helps me make more confident decisions…

ModCloth also allows their customers to contribute something you might consider PII, their photos. These make perhaps the ultimate social proof as I can see the skirt I want (mustard again FTW!) on different body sizes…

ModCloth has a whole lot of social proof strategies. They have a Style Gallery, #ModClothSquad, #MarriedinModCloth etc.

Think expansively about social proof.

Naked Wines has a lovely widget next to each of their wines that shows the would buy again rate…

And, they show you historical sales and would buy it again rates.

Checkout the Kimbao Sauvignon Blanc you can see sales and would buy it again rates since 2011. At 91%, the rate is highest this year. Sweet. Add to Basket!

Another team thinking expansively about leveraging social proof are the excellent folks at Basecamp. If you scroll to the bottom of their web pages you’ll see…

Completely non-PII based social proof, a simple cumulative trend of the number of customers. What better way to convince you to use them than this lovely up and to the right trend?

One final, massively underutilized, social proof nudge for you to consider.

Every smart ecommerce strategy has an individual-level referral program bolted on from the very start. Your current customers refer your products and services to their friends, family, and complete strangers—in exchange for a little benefit for themselves.

It is rare, however, to see the use of that referral information as a nudge.

Your friend Alex will receive $5 if you order in the next 24 hours.

The site is keeping track of the referral (to pay your friend Alex his bounty). They have all the information they need to create the above line of text. Why not use it?

Read Diana’s review of this product.

Diana, of course, referred the product to you, and that insight is in the URL you used to get to the site. The site is simply going the extra mile to surface Diana’s review, as it will likely be more meaningful to you than the other 29.

I love Patagonia; I value the brand’s ethos so deeply. And, when I say love, I mean LOVE. Two of the three pieces of clothing I’m wearing right now are from Patagonia. Yet there does not seem to be any strategy at Patagonia to help me (and you and other brand lovers) to create social cue nudges.

Humans inherently want to share, they want to show off, and they want to pass on recommendations/deals to their community. Got social nudges?

6. Personalization. Yes, from 1995!

Do you remember what I did during the last visit to your website?

No PII, just off the anonymous first-party permission-based cookie. Did you use that to change the site’s home page?

And, if you have a GDPR compliant login mechanism…Does your machine learning-powered ecommerce platform leverage the lifetime of my site experience, complaints, purchases, etc., to anticipate my activity?

Do the pages on your site wrap around my objectives, rather than your static and pimpy ones?

Is your entire sales strategy obsessed with the Do, or does it also obsess about the See, Think and Care bits of the complete human experience?

Personalization is the ultimate nudge—to create ecommerce-related urgency and to bring your brand closer to the customer over the lifetime of their experience with you.

That’s because personalization means truly caring. Personalization requires a huge investment in understanding. Personalization is translating that individual human-level understanding into anticipation. Personalization means helping. And when you do it right, personalization means you pimp with relevance—the best kind.

The desire to personalize across the complete human experiences kicks off the processes that fundamentally alter how you treat every human. The reason it works, when done right, is that deep down, we want people to care about us. And yes, we will end up doing more business with people who show that they care for us. Really care. The ultimate nudge.

So. If you own www.canada.ca or www.sainsbury.co.uk using PII or non-PII information… Does your site actively learn and then change? If not, why not?

One huge challenge we had to overcome in delivering personalization was employee capabilities. Employees are terrible at being able to imagine the expanse of possibilities when it comes being able to understand each human and being able to react to each human. Mercifully, Machine Learning (/Artificial Intelligence) will help us solve this challenge with incredible results.

Bottom-line.

You can pray that your conversion rates increase.

Alternatively, you can take advantage of the data you have access to, the permissions your users have given you, and the competitive advantages you’ve worked so hard to create and use them to create nudges that solve for delivering delight to your customers and more revenue to your company.

Your choice?

Nudging FTW!

As always, it is your turn now.

If you’ve tried one of the above six strategies to create a nudge, what was the outcome for your company? If you’ve seen a strategy for creating urgency that you love, will you please share it? What challenges have you run into in trying to personalize experiences? Nudging also works in our personal lives—have you tried it? :)

Please share your critiques, brilliant ideas and experience scars via the comments below.

PS: My doctor reminds me during every annual visit that I need to take more walks outside in the sun to make up for a vitamin deficiency. Turns out I spend too much time in my office or auditoriums. The sun is right there. I just need to take a walk. I still do it less than I should. Such is the case with A/B testing. The tools are free and abundant. You know they are the best way to win arguments with your HiPPOs or your cubicle mates. Yet, you don’t use them. I’m off to take a walk in the beautiful California sun, you go implement my recommendations for nudges as A/B tests—it is the only way to unlock the kind of imagination required to create profitable happy customer experiences.

The post Six Nudges: Creating A Sense Of Urgency For Higher Conversion Rates! appeared first on Occam's Razor by Avinash Kaushik.

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