#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.

[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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Its a 1998 cherokee people pay per month the insurance even though there any way or legal insurance but it s I am working on than Life Insurance and to get? P.S. My last 3 years (oct. drive any cars. I A friend of the or contraceptive. Certain (most) keloid on both ears. on sr-22 does anyone to work in a V6 260 hp) for I need to get to have health insurance live in sf) my Will a 2000 Chevy this year was 1200 its legal. All the car we sold. I buy my own car. his age, and the the insurance go up auto insurance are through money, and will be have been insured by beach in mid march. one that is cheap I am estimating a for the new car? cheap, with good mileage so, can anyone find and my family? We to pay the damages on the car, took to get a car I get affordable Health policy with a major .

[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/

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Try Your Luck Playing On Three Slot Machines

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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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At fault driver's car insurance won't pay for my damages!?

Hey guys and gals, My wife was in a car accident on 10/8 driving our truck with liability only insurance (IE: not full coverage because the truck is only worth ~$3000 and it's paid for). She was turning right and had slowed down to turn (with her turn signal on) when a speeding truck slammed into the van behind her, ramming the van in to our truck. The police filed a report, in which the driver of the speeding truck (an 18 year old kid, that had just left his house less than 1/4 mile away) was determined to be at fault. It is worth note that this happened in front of two different auto body shops, and within sight of the house the at fault driver had just left. Their insurance company, state farm, finally contacted us on 11/8 after not returning our phone calls for nearly two weeks saying they had determined he was in fact at fault and would send an adjuster the following Monday. He came, inspected the truck, determined it was repairable, then said we would hear from their office later that day. When they called they told us the damage was more than 75% of the vehicles worth so it was considered total and they would send the required paperwork to my email address to begin payment. Within 3 hours, the claim agent we had talked to the previous Friday said an owner of one of the auto shops had came forward (all of a sudden, no mention of a witness before) and that he had a notarized statement saying the van struck our vehicle before the truck struck the van. The insurance company now will not pay us for the damages. We tried to call the witness and get a copy of his report because State Farm would not give us the copy. Then we called the other auto body shop and both the owner and one of his employees both seen the accident and say that the truck was at fault, and the owner overheard the driver say specifically that it was his fault. When we bring this to the agents attention, she claims this is not evidence because they know the at fault driver. We found out that the first witness also knows the driver, but can't prove it. Ours is a small town, you don't have neighbors that you don't know or speak to. It seems we are at an impasse, and I have been without a truck for nearly 6 weeks. What should I do in this instance? Get an attorney? Our insurance agency is adamant about not intervening since we did not have full coverage insurance. It may be worth noting that my wife has had back and neck pain since the accident and went to the hospital the day of the accident, the family doctor twice since, and has an appointment with a chiropractor next week (all of which our insurance has paid for.)""

Good first car? insurance?

ok well i wanted an eclipse but they are classified as a sports car so im wondering about the dodge neon not the srt 4 just a normal neon, like are those considered sports cars? im looking for an 04 or newer because im gonna buy my first car sometime and i dont want insurance through the roof so if you can tell me i would appreciate it""

Best car insurance for new drivers?

My fiance and I pay about $200 for car insurance and thats just ppl. I just got my license, im eighteen. He has had his license for two years and he is twenty. We are paying car payments on a 2000 ford explorer and we need full coverage but its really not affordable. What is a really good car insurance company? Please and thank you!""

I live on Long Island who has the cheapest car insurance ?

I tried all the big guys the quotes are the same .who is the cheapest of cheap with no extras?

Non owners insurance in california?

i am considering non-owners insurance for a car. however, if i drive my friend's car, their insurance policy will cover me. 1) what is the point of getting non-owners insurance, if non-owners insurance already assumes that i don't have frequent access to a car, and my friend's policy will cover me, also assuming i don't have frequent access to his car? also, i know, in the case of an at-fault accident with my friend's car, and assuming i have non-owners insurance, my friend's insurance will kick in first, then my non-owners insurance will cover what's missing. 2) what's the point of non-owner's, if my friend's limits are high enough already? 3) won't my friend's insurance increase since his insurance company had to pay? 4) if my friend's insurance increases, then what does the non-owner's insurance cover/protect??""

Do I need to have my own insurance to drive a friend's car?

I have my driver's license but don't own a car. Do I need to buy insurance for myself if I want to drive a friend's car, or am I covered under his policy? The car is insured in Florida and I have a Georgia license.""

How much is average car insurance 4 a 17/18 year old?

How much is average car insurance 4 a 17/18 year old?

Learners Permit and Insurance!?

Can I have insurance while having my learners permit? (I currently live in Orlando, FL)""

Is accutane usually covered by insurance?

i have blue cross blue shield insurance if that helps.

Insurance help when modifying a car?

hi im thinking about doing my vauxhall corsa c up its a 03 plate. at the moment im insured on my uncles buisness fleet. which is very cheap for me as im 17 nearly 18. question.. will i need to tell my insurance about modifiying my car. and will it go up?

Where can i get really cheap braces in California?

I need braces, I do have insurance I am a teen we cant really afford them. I would probably need a year to two in a half years with them. Thank u""

""New Driver, Buying Used Car, How much is monthly insurance?""

18 years of age, recently got my license more than a month ago. Looking into this 2003 Ford Taurus I found at a dealership (4 door).... Parents are saying insurance will cost around $300 a month! excluding the car payment which will be around $200 a month. For some reason, I don't believe them what so ever with the cost of the insurance. I do have to get full coverage insurance. But thats just ridiculous. New drivers, how much do you pay for insurance. Only answer if your on your own plan.""

Whats the average motorcycle insurance cost for an 18 year old guy?

Whats the average motorcycle insurance cost for an 18 year old guy?

What happens if you drive in Texas without auto insurance?

What happens if you drive in Texas without auto insurance?

Motorcycle insuance question?

I am 18 in CA and I plan to get a motorcycle as my first motorcycle because of high gas prices. I am thinking of getting the Kat 600 because of its comfort, I read so many reviews how good it is for long trips and stuff, now how much might my insurance be, also take note that I am getting one used and that I have 0 road experience even in a car, and I am starting my own insurance policy. Thanks.""

Will a reckless driving ticket affect an insurance premium in Georgia?

My husband recently went through a road block after leaving work (playing music in a bar.) He was honest and said he'd been drinking, even though he waited for a while and had not had that much to drink. He blew .07 over the legal limit. He went to jail for 14 hours. We paid a lot of money and got the charge dropped to reckless driving. This was six months ago and our insurance premium has only gone down (good grades and homeowner's insurance with same company.) We are afraid to ask the insurance company for fear that they might not know. 1. Will that info get sent to them automatically? 2. Is there danger that our bill will go up if we speak to them about it? 3. What percentage might the bill go up once they do find out? We are looking to buy a new car soon, so we can't avoid speaking to the insurance company about it forever!""

What is good website to find affordable health insurance?

What is good website to find affordable health insurance?

Insurance cost for a 16 year old with a 1986 iroc camaro?

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

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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?""

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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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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?""

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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""

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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""

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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.

from SEO Tips https://www.kaushik.net/avinash/nudges-creating-urgency-higher-conversions-revenue/

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Viper Cache Review | Demo | Mega Bonus | This WordPress Cache is 77% Faster Than The Best

Viper Cache Review | Demo | Mega Bonus | This WordPress Cache is 77% Faster Than The Best

Learn more here: http://mattmartin.club/index.php/2018/06/02/viper-cache-review-demo-mega-bonus-this-wordpress-cache-is-77-faster-than-the-best/

Welcome To MattMartin.Club!

Thank You So Much For Taking The Time In Checking Out My Review On "Viper Cache"

Hope You Will Enjoy It!

Make Your WP Site Up To 1000% Faster With This Cache Plugin 

Overview:

Product Creator Chris Hitman Product Name Viper Cache Front-End Price $37.00 Niche WordPress Plugin Bonuses YES! Huge Bonus Listed Below! Refund 30 Days Money Back Guarantee Recommendation Yes, 100% from Matt Martin 🙂 Launch Date 2018 – June – 2nd @ 10:00 AM EST Official Website Checkout "Viper Cache" Official Site

Click Here @ 10 AM EST on 2018-June-2nd To Get An Early Bird Discount On “Viper Cache” Along With My Exclusive Bonuses

We all know The #1 biggest problem all WordPress users face is site speed… and of course the #1 fix is cache. The reason why cache works so well is It builds a “ready to go” version of all the pages on your site. This massively reduces your sites workload & of course massively increases your page speed – which means higher site rankings, more traffic & more sales for you.

But not all cache plugins are the same… infact they are probably slowing down your site. If your WordPress site is slow & you’re not using a cache plugin you are almost certainly wasting traffic. In WordPress every page requested has to be compiled by your site… that takes longer than regular HTML pages especially when your site gets busy… At 3+ seconds load speed you lose 50%+ of traffic & at 20+ seconds you lose 95%+ of traffic according to Kissmetrics… so that’s a serious problem specially if the site makes you money of if you are paying for ads. So, ignoring site speed today is literally like throwing money down the drain …especially as 52% of all traffic is mobile

However, even the best WordPress cache products are problematic…

Current cache plugins are complicated to use & often break your site

Most free cache plugins are frequently exploited by hackers.

All cache plugins clear the cache on ALL pages even if you change 1 word on 1 page… which means vital server resources are used to rebuild your site cache

Cache preloading features cause even more site lag especially on larges sites.

So which is the best cache plugin on the market today? The answer in my Viper Cache Review today will surprise you.

VIPER CACHE REVIEW – WHAT IS IT?

When an independent test of cache plugins was done recently it showed that the best paid cache on the market was outperformed by free products. So Chris Hitman and his team investigated this… only to find major bugs in some of the best free products. They also discovered that many caches didn’t auto clear and were wasteful with bandwidth & with cache pre-loading features.

That’s why they built Viper Cache… a super easy to use cache that auto detects the most visited pages & preloads these rather than preloading all pages to save bandwidth. It smart detects site changes to trigger auto-cache clearing… on small page changes only the single page cache will clear leaving all other cache pages intact saving you server resources. It also detects major changes automatically flushing all cached pages.

In a nutshell, Viper Cache is easier, faster, lighter & has significantly less server lag using their smart cache clearing & rebuilding logic. This is a new product that answers the shortcomings of all the other market leading cache products & finally resolves these age old problems for everyone.

Smart Cache Clearing – it only auto clears cache on major site changes unlike competitors

Smart Cache Preloading – it auto rebuilds cache on your most popular pages so it doesn’t hog server resources

Uses Fast Cache Technology – it uses the best speed features that don’t compromise your site stability

Viper Cache Rating - 9.3/10

Quality - 9.5/10

Features - 9.5/10

Support - 9/10

Easy to use - 9.5/10

Bonus - 9/10

Summary

This rating only shows our ideas about this product, we strongly recommend you firstly see the demo/preview to get the whole picture. Remember, You're also be backed by 30 Day Money Back Guarantee No Question Asked! You've got nothing to lose. TRY IT TODAY!

What's your thought? Please let us know!

ABOUT AUTHOR

Chris Hitman is CEO at Hitman Publishing. His background is Sales & IT and he spent a lot of time in development of software & user interfaces as well as security solutions. Chris believes that learning has no value unless he and his team walk away with something that they actually use. They believe that products should serve to increase their quality time rather than load them with useless facts & knowledge.

Their mission is to remove complexity, get straight to the point & fill in the information gaps that hold people back. They aim to help customers find the ‘aha’ moments that allow them to overcome obstacles & achieve great things in life and business. They have created so many valuable digital marketing products in recent years, such as  WP Optimiser, WP Site Guardian, My Product Store, Covert Context, Photoshop Masterclass 2016, TrafficShield,… and many more successful digital products. Now, let’s look at the next part of this Viper Cache Review and find out its features.

FEATURES OF VIPER CACHE

Here are the key features that you will discover inside this plugin:

Built on Super Reliable Cache Technology Compatible with 99% of Themes & Plugins

When they built this product they didn’t start from scratch. Cache products are complicated & renowned for problems so they had no intentions of making their customer into guinea pigs. They researched many technologies and found the most reliable technology to work with. They then went back to the drawing board to create a brand new cache product that is super easy use & still provides unrivaled performance. Compatibility, speed & your site reliability is the #1 priority

Stupidly Simple To Use

Viper cache does not care about trying to squeeze an extra 1% performance if it risks their user experience or if it means they break themes or plugins – they have no intentions of playing god with other peoples products. This product is built for peak performance but not at the expense of user experience.

Smart Cache Clearing & Smart Rebuilding

Detects Minor Changes & Auto Rebuilds Cache On Popular Pages

Viper Cache monitors all site changes including loading new themes, plugins, widgets, graphics, new posts / pages. Upon any major change to your site will auto clear & rebuild your cache. If the change is minor such as as small text change on 1 page, Viper Cache logic will sense this & rebuild the cache on that page & essential pages leaving the cache on other pages intact. Our smart logic bypasses WordPress standard processing delays.

This massively reduces your server load, keeps your site fast & reduces the need for you to upgrade your hosting plan.

Traffic Protection Technology Blocks 1000+ Bad Bots & Auto Blocks Hotlinking

If the primary purpose of cache is to speed your site up and reduce bandwidth then any feature that increases the site workload has to be eliminated which is why they  made Viper Cache very light. They’ve also auto blocked hotlinking which is a common way for others to use your bandwidth.

And you have the option to block known bad bots & site scrapers – again there is no reason why these pests should be allowed to eat your resources & slow your site down. This of course also helps to weather DDOS attacks too.

Agency License Included

For a limited time they have a special offer on the Agency License which means you can use this product on your client sites to earn money. As one of their early clients you get to lock in the early adopter license pricing which means you will save money for many years to come. Agency License holders can charge to install the product on client sites & charge clients for the software at your discretion.

Compatible

Compatible With All Major Page Builders + Multisite, Ecom & Cloudflare Compatible.

WHY SHOULD YOU GET IT?

Slow loading pages KILL conversions, increases your bounce rates and cost you more in ad spend. This is especially true on pages built in WordPress as EVERY page is built on request so the more traffic your site gets the slower the page load. Conventionally this problem is fixed with Cache Plugins which create a “ready to go page” or cached page. But not all cache plugins are the same.. this is very interesting with the new Google Speed Slap coming in July 2018.

The key problems with current cache plugins are:

They are too complicated with too many techie settings

Free Cache plugins are constantly exploited – they are a magnet for hackers

They play god with your site so many themes & plugins break

They are massively wasteful on server resources through inefficient cache clearing & cache preloading

Say you have a site with 100 pages & you make just 1 text change to 1 page… then with regular cache plugins all 100 cached pages will be deleted and your site has to rebuild every cached page… hogging your server processor & memory. And this problem only gets worse with bigger sites. That is where Viper Cache comes into play. It based on one of the most reliable cache engines on the planet. Let’s take a minute to recap the huge benefits come up with:

It doesn’t play god with your themes or plugins so there is fewer conflicts

It’s stupidly simple to use with much fewer settings than any other product

It’s built on a secure framework which massively reduces the potential for hacking

It has smart cache clearing & rebuilding technology so it doesn’t hog your site’s server resources or slow your site down like other products

It’s built using the fastest cache features without compromise on site stability

In addition, you will be getting tons the vendor’s greatest bonuses for your fast action

Is it enough awesomeness for you? Because you will be also receiving my ULTIMATE huge bonuses. Those treasures are waiting for you at the end of this Viper Cache Review. And even though you do nothing but only read my Viper Cache Review, to thanks for your kind support, I still give you free bonuses. So keep reading then scroll your mouse down!

COMPARISION

HOW DOES IT WORK?

Viper Cache will work with almost any modern theme. On the rare occasion you run into problems you can switch all the switches off and enable them one by one until you find the switch that causes you the issue. It’s very easy. Simply switch it off & the problem is solved.

Let’s check out the demo video below to see it in action!

PRICE AND EVALUATION

For a limited time, you can grab Viper Cache with early bird discount price in these options below. Let’s pick the best suited options for you before this special offer gone!

Front-end: Viper Cache ($37) >> See Details <<

VIPER CACHE is the only cache on the market that clears & rebuilds the cache on the page you are working on and the relevant associated pages saving you badwidth.

OTO1 – WP Optimiser $47/a Agency – £37 Personal (Lowest Price) >> See Details <<

WP Optimiser is a combination of quick fixes & diagnostics that give you advice on how to fix your site speed issues – more importantly it covers all 6 Primary site optimisation factors – at best the competitors cover just 2 factors & charge more. Right now the only WordPress optimisation products on the market either optimise your database, lazy load your page or mess around with with your Java & CSS often breaking your site in the process.

To Make matters worse 95% of products don’t optimise your site graphics (one of the most important jobs) & the ones that do charge $100’s per year. So their competitors do half a job & still charge a fortune for the privilege while WordPress users still have no effective solution for optimising websites. WP Optimiser looks at everything from hosting issues, poor performing themes / plugins, server issues, optimising graphics to cleaning databases & lazy loading pages – to get maximum site performance.

OTO 2 – WP Easy Pages $39/a Agency – £37 Personal (Pre Release – Lowest Price) >> See Details <<

OK it’s no secret that WordPress is natively slow – the WP framework makes this worse – which is why it’s not best fit for building landing pages. The biggest issue is that any landing page built in WordPress needs to load both the theme’s & the plugin’s CSS making it slow from the outset. So they built the 1st ever landing page builder for WordPress that bypasses the theme & the plugins CSS making it up to 16 times faster!

OTO 3 – WP Conversion Boost $27/a Agency – £27 Personal (New Release – Lowest Price) >> See Details <<

Creating split test pages & personalized pages is a pain in WordPress you literally have to duplicate & edit each page one by one. This puts your site at risk of getting a duplicate content penalty. So they designed a unique plugin that allows you to make any WordPress page dynamic which means you never have to edit pages individually again. WP Conversion Boost allows you to change any page on the fly just by editing the URL – a must have tool for any pro marketer

Let’s act now, don’t delay and grab it now while it’s still at the lowest price possible! And Just feel free to give it a try, because You have a full 30 days to put this to the test and make sure that this is for you. If you do not see any results within this period then please reach out to them. The Helpdesk Team is always there to help you out and make sure that you have been following the correct procedures.

VIPER CACHE REVIEW – CONCLUSION

In summary, I hope that all of the information in my Viper Cache Review can help you gain more understanding about this product and then be able to make a wise choice. If you’re ready to start making a real online income in the most passive way possible then click the button below before the price rises. I am look forward to seeing your success.

However, in case you are in need of any advice, please feel free to keep in touch with me anytime. Regardless, thank you for reading my Viper Cache Review. Goodbye, and see you again!

Click Here @ 10 AM EST on 2018-June-2nd To Get An Early Bird Discount On “Viper Cache” Along With My Exclusive Bonuses

Software & Plugins With Master Resell Rights Bonus Package

4 SIMPLE STEPS TO CLAIM YOUR BONUS PACKAGE

1. Clear Your Cookies in your Web Browser (Ctrl + Shift + Delete) 2. Purchase Products Through My Email/Website 3. Contact Me Here with the receipt of your purchase 4. ALL Bonuses in General Internet Marketing Bonuses Package is Yours & You will receive them within 12-48 hours.

Affiliate List Pro

With this software you can easily build your own list through your affiliate links - all on autopilot. 

Some of the features are:

Adding All Sorts Of Popups To Other People's Sales Pages

Creating Your Affiliate Link Popups

Controling All Aspects Of Your Popups

Instantly Creating Professional Signup Form Pages

Boosting Your Response By Personalizing Your Web Pages

And more!

  Web Baycom Pro

This easy to use software inserts ads into your web pages, showing a selection of the latest eBay auctions relating to your niche. These ads update automatically every hour, so your website always shows the very latest auctions for your niche.

The software uses the eBay auction 'RSS feeds' to get the latest auctions. These provide a self-updating selection of the latest auctions matching any keyword.

The software can be used to add eBay auctions to any website in minutes.

You don't need to add any complicated code to your web pages. You just need to insert some special text on each page where you want to feed to appear.

  Web Amcom Pro

This easy to use software inserts ads into your web pages, showing a selection of the latest eBay auctions relating to your niche. Ads are updated automatically every day, so your website always shows the very latest ads for your niche.

Allthe ads include your Amazon affiliate ID, so you earn commissions on any resulting sales - giving your website an instant profit boost. The software can be used to add Amazon ads to any website in minutes.

The software is licensed for use on an unlimited number of websites, so you can use it on every site you own, without paying any extra.

WP EZ Viral Contest

EZ Viral Contest is a subscriber-increasing WordPress plugin that will allow you access to quick and easy responsive contest pages. It will keep your visitors engaged. The best thing is that you can do this in just a few minutes!

It's very simple. People visit your site, enter a contest and will become incentivized to share it with their friends and families, causing your contests to go viral!

By using the dead-easy setup wizard you can 100% customize your contest:

add details and images

change fonts and background colors

and much more!

Two Step Opt-in Generator

At Last! You Can Easily Increase Your Opt-In Conversions, In Just Minutes...Builds 2 Step Opt-In Pages With Lightbox!

The money is the list. This is what successful internet marketers always shared to us if you want to become success in the internet business.

The fact is that, building email list is time consuming and sometimes takes time to gather a good amount of subscribers.

If you are having trouble in converting your traffic into subscriber, this amazing tool is for you.

WP Simple Geo

One Of The Easiest And Fastest Way To Generate Commissions And Reach Your Audience... VERY Precisely!

If you really want to make money online, having a strategy to deliver your content would be a killer idea to boost your conversion rate.

What this mean is that, your content should be relevant to a specific group of people based on geological approach. Meaning, people will see relevant content on a specific areas or country.

To do this, the amazing tool that you are about to get inside will help you to realize this amazing approach with ease.

WP Instant Decor

Instantly Increase Your Conversion Rate By Decorating Your WP Blog With This Incredibly Useful Plugin! 

With Just A Few Clicks Of Your Mouse You Can Decorate Your Blog And Finally Get The Results You Deserve!

If your niche blogs are simple, plain, and boring… people are going to run for the hills QUICK. There’s only ONE single thing to put into your hand so that you can stop this nonsense right now.

And that’s SPICING UP your blog with decoration. I am talking about adding cool effects, enticing backgrounds, and make your blog UNIQUE. This is a life-saving tool that’s going to simply make your life easier and bring you MORE profits.

It’s simple... Either you decorate you blog or you won’t get the results you want. People want fun.

People are visual creatures... So if you want to start experiencing better conversion rates, more signups, and overall MORE profits the choice is VERY clear...

WP Viral Click

Secret, Plug-and-Play WP Plugin Will Unleash An Unstoppable Tsunami Of Visitors Straight To Your Blog And The Best Part Is That You Only Need A Few Clicks Of Your Mouse To Generate This Kind Of Insane Traffic!

WP Viral Click is a WordPress plugin built to help you automatically generate contents for your site from an external web page. Furthermore, you can customize the page by adding custom elements like modals, info bars and slide ins to promote user engagement to your offers.

The plugin offers a lite version wherein the following features are not available for use: modal , slide in , SEO content settings and Prepend and Append Contents .

Auto Support Bot

Here's How You Can Use The Same Profit-Boosting Strategy As Many Of The Big Companies, By Offering Your Visitors 24/7 Live Chat Support on Your Websites, Even While You're Sleeping

Most Software iPacks activate your web browser to show a popup when you use the software. The popups help to fund the development cost of the individual Software iPacks, which means that you can usually buy Software iPacks at lower cost than normal software.

Only a single popup will appear each time you use the software. The web addresses shown are embedded in the .sip file - so the creators of the Software iPack Player have no control of the websites that are displayed in the popups.

WP Copy Guard

Stop Your Valuable WordPress Blog Content Being Stolen And Copied Onto Other Peoples' Sites And Boost Your Traffic, Too!

Have been worried due to your wordpress blog content being stolen? Upgrade your security to WP Copy Guard now! Your blog content will resemble your loved one! You will do everything to secure them for you will be worried to death if they are abducted!

This product will protect everything in your blogsite! No one can plagiarize it! If you purchase this, you will now be comfortable posting things in your blogsite without being stolen. You will be secured 24/7! Worry-free!

WP Slideshow Master

Create Eye Catching, High Impact Flexible Slideshows In Minutes!

Slideshows are a very nice way to present lots of visual content to site visitors. But making them interactive allows visitors to participate with your content...

It has been proven over and over that site content is much more likely to be shared on social networks, IF you make it easy for visitors to do so. Each one of your slides can have social media sharing buttons to the most popular platforms.

WP Slideshow Master is a brand new and powerful WordPress plugin which allows you to create eye-catching, high impact flexible slideshows that will impress your visitors. This day and time you need 'eye candy', along with quality content to maximize your chances of transforming visitors into customers.

What if you could fix the following issues within minutes:

Link slides to YouTube videos

Social media sharing on each slide

Tweak settings to fit any layout

Place mostly anywhere with shortcodes

LinkedIn Magic

Automatically Endorse All Your LinkedIn Friends!

If you are an internet professional, blogger, author, speaker or anything that uses LinkedIn to build their connections and their profile online connecting to other people can also be a time-consuming tasks.

The thing is that, there are many ways to get or attract connections on LinkedIn and that is by endorsing other LinkedIn users.

This is a manual task so obviously it will take you some time to do it. The good news is that inside this product is a tool that will do the endorsement automatically.

WP Swift Page Plugin

Instantly Increase The Speed Of Your Site While Drastically Reducing Your Bounce Rate And Getting Your Visitors To Stay Longer!

There's a critical factor that might be hurting your traffic, sales and commissions. And believe it or not, it seems SO ridiculous that most marketers and bloggers usually don't pay attention to it.

The issue about the loading time of a WP blog. Yes, in the past this never thought that could be something that would hurt some online businesses BUT, IT CAN.

If your blog is taking too much time to load then people will leave, search engines will ignore your blog, and you won't be achieving your goals.

Web List Pro Software

Here's A Quick And Easy Way To Add Powerful Popups To Your Web Pages, Building Your Mailing List On Autopilot!

Popups are now a well-proven technology for building a list, allowing you to turn ordinary visitors into highly profitable subscribers. Web List Pro is our new software for adding popups to ordinary web pages. The software is quick and easy to set up, offers a HUGE range of features and costs far less than many other solutions.

Popups are just ordinary HTML web pages (except that it is smaller than a normal page).This means that you can design just about any layout for your popup, using any HTML editor. Full instructions are included with the software. But to make it really easy, the software comes with a special tool that creates popups automatically, just by filling in a form.

WP EZ Launcher

Get Your Hands Onto A Breakthrough WP Plugin That Will Allow You To Quickly Set Up Your WordPress Blog And Get It 'Up And Running' In Less Than 30 Seconds!

If you are a niche marketer, affiliate marketer or online entrepreneur that have lots of wordpress websites to launch on, having a tool that will automate the launching process would be a huge help to save more time.

The good news is that inside this product is the tool that you have been looking for so long. Its name is called WP EZ Launcher software.

WP Engage Plus Plugin

Create Engaging Polls And To Survey Your Visitors Which Will Allow You To Clearly Understand What Their Opinion Of Your Site Is!

More often than not, most marketers spend TONS of time on optimizing their website, adding new products and services, adding new content, driving traffic... and probably a myriad of other tasks.

But what really surprises me is that very few of them are actually taking some time for something really important: discovering WHAT their visitors really want. It seems so simple (and it really is) yet why is that marketers usually never take time for something so critical?

Well, today you are about to experience how you can finally increase your profits, conversions, and YOUR business in a way you would never imagine. And the interesting thing is that it won't take you much effort to accomplish this.

In fact, with just a few clicks of your mouse, you will be already on your way to transforming your blog into a cash-producing 'machine'!

WP Engage + is a fantastic and useful WP plugin that will only take you seconds to install and use; and it will enable you to create engaging polls and surveys. So That You Can Start Increasing Commissions, Subscribers,

WP Page Takeover

Here's How You Can Use The 'Attention Hijacking Method' That Will Allow You To Make More Money Today In Just 3 Simple Steps ... And All Thanks To A Killer WP Plugin That Will Only Take You Seconds To Install And Deploy!

Inside this product pack is a powerful, killer way to increase your conversion rates and send your sales through the roof.

WP Page Takeover is a wonderful and powerful plugin that will allow you to promote any kind of product or even service and put it right in front of your visitors while they are reading... in any page of your WP blog.

With this incredibly useful and profitable WP Plugin you can create an entire Promo Page or even promo widgets to any normal WP page or post.

Basically, with just a few clicks you will be able to hijack your visitor's attention instantly, and also create instant awareness of your products, affiliate offers or even services.

Article List Builder

Easy To Use Software Builds Your List From Article Content In Just 3 Simple Steps!

If you want to do email marketing, chances are you will do a lot of marketing stuffs to find the right audience to optin into your squeeze page.

Well, one of those amazing strategy that already generated results is called content marketing. And inside this product is a piece of amazing software called Article List Builder that is a huge help for you to get started.

Instant Squeeze Builder

Easy To Use Software Creates Complete Squeeze Pages In Seconds Just By Filling In A Simple Form - No Coding Required!

If you want to build an email list, squeeze pages are the most powerful tool to attract audience to subscribe into your list. But the thing is that, still many are having the challenge of creating a squeeze page for their email marketing campaign.

The good news is that the Instant Squeeze Page Maker is a huge help in creating your squeeze pages with ease.

Salespage Writer Software

1-Click Software Gives You 100 Of The Best Copy and Paste Salespages You Can Instantly Use To Sell Your Products And Services.

If you have a product to sell or launch, having a persuasive copy will give you better conversation rate to your salespage.

The thing is that, if you are not good at copywriting, you might end up hiring someone to write it for you and the fact to this matter is that, hiring an expert in copywriting is expensive.

Have you ever wish that there would be a software that will instantly write a copy for your salespage? Well, inside this product is what you are looking for.

WP Checkout Maximizer

Brand New WordPress Plugin Will Help You To Dramatically Increase Your Sales Conversions, Generate Hordes Of Viral Traffic And Create 'A Magical' Buying Experience That Your Customers Will Simply LOVE!

WP Checkout Maximizer is the definitive WP plugin that will help you by increasing your conversion sales, enhance your buyer's experience and also to drive social viral traffic to your blogs...in just a few easy steps.

The plugin basically consists of some powerful effective features that makes it unique.

These are the incredible features in WP Checkout Maximizer:

1-click Order Form Maximizer

Offer cash discounts easily

WP Checkout Maximizer

Viral Traffic At Your Fingertips

Jaw-dropping, high-quality, custom-made graphics that are proven to convert

Mobile 2 Step Opt-In Generator

Now You Can Easily Create Mobile Two Step Opt-In Pages in Just Minutes!

According to the latest statistics, more than 1.2 Billion internet users are now using their mobile to browse the internet.

And if you are not utilizing the power of this opportunity, your business might get left behind from your competition.

You see, there are tons of ways how you can reach your audience and this time, it would be more personal and more handy especially if you are going to use this amazing software that will help build an email list using mobile optin features.

Sales Motivator Pro

Now You Can Easily Motivate Your Website Visitors To Buy Your Products!

Every online business owners and affiliate marketers want to make out of the traffic that they generated to their website. This is the fact that gathering traffic to your website is sometimes time-consuming and other issues out there.

The thing is that you want to convert those visitors into buyers and in order to do that you must also create some strategies on how you are going to approach them or attract their eyes to click on the buy now button of your product pages.

In most cases, the most popular online retails store called Amazon.com has already applied this technique and if you want this to apply into your website, you should also have this amazing feature.

Fancy Upsell Popup Pro

Creates Fancy Upsell Pop Ups In Minutes!

If you are an internet business owner, making a sale is obviously matters to you. That's why you invested money for your marketing campaign to make those leads you've gathered convert into paying customers.

What if you can do more? What if you can sell more and make a lot of money out from your current customers? And the good news is that you really can do that if you want to.

There are many ways to maximize your customers' state of mind. When they are in the buying mode offer them more via cross-selling or upselling. So how are you going to do that? That's a good question.

The good is, inside this product is an amazing software that will help you easily generate Upsell Popups that will surely grab your buyers attention and do another purchase from your offer.

Flashing Order Buttons Pro

Easily Create Eye Catching Buttons That Grab Your Buyers Attention!

What is traffic if they won't convert right? There are many factors why your audience won't buy from what you offer from your website.

And few of those factors is that your website might be ugly or not professionally created, not good product presentation, or simply your call to action button feature don't catch your audience's eyes.

The good news is that inside this product is an amazing piece of software that will easily create flashing call to action button that will surely attract your website visitors eyes.

This software is designed to be very easy to use. All you really have to do is fill in information the way you would do when you are filling out any other form. Simply follow the instructions in the software filling in the required information as you go.

WP Review Me Plugin

Off-The-Grid, Plug-and-play WP Plugin Allows You To Easily Get Feedback From Your Visitors!

Knowing your blog readers really want to know about is something that a blogger should do so that people will keep on visiting your blog and reading your stuff.

The challenge now is that how you are going to know those information from them? Well, few years ago, this issue is really troublesome but inside this amazing piece of WordPress plugin, it is not impossible anymore.

Thinking About Your Products In Your Blogs! Once You Can Get Inside Your Visitors' Heads You Will Get Valuable Insights, Suggestions And Feedback That Will Help You To Improve Your Conversions And Send Your Profits To The Stratosphere!

WP Notification Plus

Discover How To Grab the Attention of Your Readers!

Traffic is very important to your online business but the question is that, what if those traffic don't convert into subscribers or customers?

Would it be great if those web traffic you drove would become your email list subscribers or loyal buyers? Well, WP Notification Plus software will change the game.

WP Profit Page Creator

Discover a Brand New and Highly Profitable WP Plugin that Once You Fire it Up, Will Generate You Endless Sales!

If you are an online entrepreneur and you want to make so much profits out from your internet business, this amazing WordPress plugin is a huge help to you.

What this software does is that, it will create SEO friendly money making WordPress pages almost every with a little content.

WP Video Attention

New Powerful, Easy-to-use WordPress Plugin Allows You To Virtually Stop Your Visitors In Their Tracks And Get Them Instantly ENGAGED With Your Videos … So That You Can Keep Them On Your Website And Make More Money!

WP Video Attention is a plugin that allows you to clip your video and serves as a widget to any corner on your page.  This allows your videos to VISIBLY continue playing when a user scrolls down a page, so they are still able to see the video and not only hear it.

This will help to keep your viewers engaged throughout your entire video while they are exploring the content/other part of your page - So you will never lose the engagement & attention of your viewers that often results in loss of leads, loss of SALES and MONEY.

The plugin will also allow you to position your videos anywhere you want and customize it to make it relevant with your website/webpage design or branding. There are MANY more amazing features such as countdown - timer, share button and animation/ effect that will help your page get sky - high conversions and engagement.

Website Pouch Pro

Easily Hide Any Content Or Banners Within Your Website With Just One Easy Click!

Every internet marketers and online business owners want to have lots of traffic to their website. But the thing is that, what if your offer will just get ignore. Well, this has been one of the major problems for many online entrepreneurs, bloggers and publishers.

If you have been visiting large websites like Yahoo, Amazon and other websites, you will noticed that most of the page have huge banner ads in different format in which, obviously they also allow users to close it and proceed to the content.

This strategy may sound annoying to you or the users but you can't ignore the fact that this really works. That's why huge website keep on this this stuff.

If that's the case, why not enjoy the benefits like other internet marketers too. Your next question would be, how should you enable this feature into your blog or website? Inside this product is an very cool piece of software that will help you do these things to you.

WP Testimony Pro

Do you want to dramatically increase your sales and increase your online business bottom line? The Fastest Way To Conveniently Display Testimonials, Reviews Or Even Quotes With Just The Click Of A Button! It’s Time To Increase Your Social Proof And Boost Sales, Opt-ins And Commissions To New Unheard Levels!

WP Testimony Plus is a WordPress designed to add and display testimonials from users of the different products and/or services that you offer.

Unlike many other testimonial plugins out there, WP Testimony Plus has been developed to be more flexible as you can fully customize the design and layout of not just the testimonial but the forms as well. Additionally, you can add as many styles and forms as you need and like.

Scroll In Order Button Pro

With a little practice, you can generate scroll in order buttons in less than 5 minutes using this software. 

If you want to make more sales to your product offers, chances are your buy now button must easily be seen by your salespage visitors.

The good news is that inside this new amazing tool, you are about to experience a wonderful feature that your salespage must have.

Scroll in Order Button Pro is a software that will make your buy now button visible whenever your website visitors scroll down the page.

eSqueezer Software

The intelligent squeeze page maker. This tool creates “intelligent” squeeze pages. 

The money is in the list. This is the best advice that every successful online marketers. And if you are not doing this technique, you might lost a lot of money.

But the fact is that, your success in building a profitable list depends on the strategies that you apply. And the best way to do it is having a good squeeze page to the target audience that you've gathered.

Inside this product package is an amazing software that generates cool squeeze page that will capture your prospect's email address.

Ace Image Converter

This converts images between all the major formats!

Images are essential to the conversion of every online business owner's website. And if you don't choose the right image for your salespage this might waste your marketing effort.

To good news is that, inside this software you are about to receive an amazing software that will convert almost all types of images you can use for your websites. Check this out!

WP Email Countdown

A Powerful And Crazy Profitable WordPress Plugin That Allows You To Inject Scarcity In Your Emails With Effective Countdown Timers That Will Make People Do Your Bidding And Generate RESULTS For You!

Now you have the power to increase your conversion rates and drive more sales with each email that you send. It's like having a high conversion machine. Have you seen the most influential marketers using countdown timers in their websites? Well, they are doing that for a reason.

If you take a moment and look around, you will see a very powerful trend that is being used by more and more marketers: scarcity. Scarcity techniques are SO incredibly powerful that can pressure even the most stubborn clients and 'force' them to buy or take any action you wish.

WP iAsk Plugin

Instantly Create Surveys That Will Give You Important Information About Your Visitors!

Effortlessly Create Insightful And Engaging Surveys, Gather Critical Data Such As Statistics And Answers From Your Visitors…All In One Place.

Brand New, Powerful WordPress Plugin Now Allows You To Get Insight As To What Your Visitors Are Thinking, So That You Can Make Better And More Informed Decisions…For MORE Profits.

In this new digital era that we are living, having information is key to success. Apparently, I am not the only one thinking like this… Have a look at the big boys such as influential bloggers or even corporations and you'll realize that they are constantly running surveys for their products or services.

PPC Ignition Software

PPC Ignition Software with rebrander included so you can build your list!

Serious online entrepreneurs don't just rely on Free Organic Traffic into their website. But they are also doing Paid Advertising through Pay-Per-Click.

You see, if you noticed Facebook, Coca-Cola, Pepsi are huge companies and people are already using their products but they still don't stop marketing their products and services via Paid Advertising.

If you are not so familiar with PPC Campaign, the internet is a huge library to learn that. But inside this product, is a tool that will help you become successful into paid advertising.

The tool comes with the following features:

Software Video Tutorials

PPC Trainings

Podcasts

Tools

Solo Ad Directory

And so much more...

SlideIn Countdown Pro

At Last! Easily Increase Your Sales With These Slide In Countdown Timers!

Sliding feature in your website is one of the coolest things that web developer ever develop. This is because sliders make the website look more professional and engaging. And most likely, visitors want to click on. This adds better conversion.

Nowadays, you can see some sliding features in many website but this cool new software will stun you.

WP News Pro Plugin

Discover How You Can Easily Display News Boxes From Sources Like Facebook Pages, Twitter, YouTube and Pinterest On Your Blog, Unleasing Server-Melting Traffic!

Are you ready to send more eye balls to your blogs the easy, so that you can finally get more leads, subscribers and sales? News will bring traffic and this amazing WordPress Plugin will help you a lot in gathering those traffic.

It's no secret that news ALWAYS will be evergreen and will attract the attention of the people - and especially on the internet, where they are free.

WP News Pro is an easy-to-install, traffic-driving WP Plugin that's when completely out-of-the-box. In fact, it's so simple to use that you'll laugh out of it. But don't be fooled by its simplicity, it can be devastatingly powerful as it can pull traffic from search engines and social media sites.

WP Tube Maximizer Plugin

Quickly And Easily Monetize And Add Content To Any Youtube Video In Under 5 Minutes And Watch In Amazement How Your Income Literally SOARS Through The Roof!

We All Know That Video Is The Future…Why Aren’t You Monetizing Or Adding Content To Your Videos In Order To Maximize Your Revenue? Here’s How You Can Double And Even Triple Your Blog Income…Almost Overnight.

Inside this product, you will witness the power of this amazing WordPress Plugin. You see, the number one problem of most bloggers nowadays is the lack of income from their blog despite from their marketing efforts.

Sure, some of them struggle with generating visitors and while gererating traffic to a blog is quite complicated, the real challenge lies in transforming people that land into your blog in cash.

But there' a very simple reason for that, those who use videos for their blogs don't monetize or add content to them. If you want to make money, you should definitely do this.

Smart Agent Pro

Skyrocket Your Conversions, Sales And Profits With Your Own Automated Sales Assistants, Providing 24/7 Support On All Your Websites!

You might already heard the saying that to become successful, you need to study what successful people do and model their actions!

Well if you've been following the Internet Marketing scene lately you'll have noticed the growing popularity of those little 'exit chat agent' scripts. All the big name 'guru's' seem to be using them on all their sites.

Basically what they are is little interactive chat windows that popup when a user tries to exit a webpage. Users can interact with these little bots like a regular messenger client similar to MSN or AOL.

Smart Agent Pro is a simple little script you can use to set up your personal 'exit traffic smart agent'.  As soon as they get a sense someone is about to abandon your site they jump into action, giving your visitors a second chance to interact with your site and take action on your offers.

Super Split Test

Quick and easy split testing to increase your profits now! Easily split test between 2 and 5 different landing or sales pages.

Website design plays a huge role in converting your visitors into buyers but sometimes, you might ask yourself how are you going to do even better?

That's why you decided to try and use various designs and see how every design works.

A/B testing can be somewhat time consuming and hard to understand but using this new amazing software, you  can do the test at ease.

Easy Text Resizer

Easy to use text resizer script!

Resizing text can sometimes be time consuming especially if you have so many tasks in your current project.

Using this amazing software, this will eliminate your frustration in resizing your text.

Opt In Form Creator

Easy to use software quickly creates a opt-in form for you!

The money is in the list. This is what most successful internet marketers are saying that several ignored to do so.

Subcribing into a email marketing software like aweber or getresponse seems expensive especially if your campaign won't turn well and don't drive email subscribers.

Good-looking optin form plays a huge role in making your readers into subscribers. And creating a high converting optin form is indeed very easy to do using this amazing software.

WP Popup Pro

Here's A Quick And Easy Way To Add Powerful Popups To Your WordPress Blogs, Building Your Mailing List On Autopilot!

Popups are now a well-proven technology for building a list. They can be particularly effective when used on a blog, allowing the blog owner to turn ordinary visitors into highly profitable subscribers.

WP Popup Pro is our brand new software for adding popups to WordPress blogs, using standard WordPress plugin technology. The software is quick and easy to set up, offers a HUGE range of features and costs far less than other premium WordPress popup solutions.

WP Video Page Creator

At Last, With Only ONE Click Of Your Mouse And Not Too Much Effort You Can Create Profit-inducing Video Pages Just Like These! 

How Would You Like To Look Like An Authority In Front Of Your Viewers, Drive Massive Loads Of Traffic And Rake In Cash With Just A Few Clicks Of Your Mouse?

We all know that video nowadays is KING. Most of the savvy internet marketers, gurus and fortune 500 companies are leveraging the power of videos in their sites. And they are doing this for a very good reason...

WP VIDEO PAGE CREATOR is a magnificent plugin that will allow you to quickly and easily create'video profit pages' in less than a minute.

Also, it enables you to look authoritative in front of your audience (most of the content that this plugin pulls is curated, and comes from sources like YouTube and Google news). To put it simply, this plugin is the definitive 'video marketing weapon' that YOU need!

Affiliate Whisper Software

Here's How You Can Boost Your Commissions Up To Eight Times, By Secretly Hiding Your Affiliate Links From Your Visitors, Using This Simple WordPress Plugin!

Did you know that there are now hundreds of people earning six figure incomes from affiliate marketing, as well as thousands of people earning four or five figure incomes? But despite these successes, there are a lot of new affiliates who make very little.

Part of the reason for this lack of success, is that many new affiliates throw away a BIG chunk of their commissions, simply by failing to use one simple technique.

But now there is an easy quick-fix solution. Our superb new Affiliate Whisper software allows anyone to apply this essential technique to all their affiliate links, in just a few seconds...

WP Tee Contest Plugin

WP Tee Contest is a wordpress plugin developed to create a dedicated tee contest page that can help you improve your t-shirt campaign while at the same time make it go viral!

You are probably aware that TeeSpring is a goldmine. Every 't-shirt' marketer is raving about it and for good reason; when done correctly, you can generate hefty profits.

Now, in order to achieve this you need exposure... That's where everyone is failing; their t-shirt campaigns do not get the necessary eyeballs to make it profitable.

This is probably the number one mistake that most 't-shirt marketers' are facing. Well, the good news is that itdoesn't necessarily have to be this way.

Accordion FAQ Generator

Easily Generate 'Accordion FAQs' That Increase Your Conversions!

You'll love the increased conversions a smooth FAQ can generate for your online business.

Here Are The Main Features:

Creates Accordion FAQs In Just Minutes.

Easy To Use, Simply Fill-In-The Blanks.

Software Requires No Installation.

Option To Change Background Colors.

Works With Any HTML Coded Web Page.

Requires Upload Access To A Webserver.

Can Be Used With Any Website URL.

Option To Change Border & Text Colors.

EZ Pricing Table Maker

Create Impressive Pricing Tables In A Flash! You can get your hands on this software that will allow you to easily make an amazing pricing tables for your websites!

You may have spent hundreds or thousands of dollars paying a copywriter to get your sales letter or post to convert better. You may have spent weeks or even months trying to improve your product pricing as a tables.

You may have have dropped your price as low as you could go, hoping against odds that more people will respond to your offer. And then you were probably disappointed that after giving up so much, and working so hard, you were selling now more that before you started trying to fix things.

But maybe your problem is simpler than that. Maybe all you need to do is use design that capture the reader's attention. You see, you have exactly 5 seconds to grab the reader's attention before they move on to the next thing they want to look at.

JV List Builder Software

How You Can Get Loads Of Other Marketers To Promote Your List, Without Paying Them A Single Cent!

This Amazing Software Automatically Creates Everything You Need For Your Own Highly Lucrative List Building Joint Venture!

Just about every marketer on the Internet will tell you that if you want to succeed online, you must have your own newsletter or mailing list.

The problem is that building a decent size list through your own site requires a lot of traffic. If you don't get much traffic, it'll take a very long time to recruit enough subscribers to make serious money from your business.

This solution is called a 'Joint Venture' or JV. With a JV, a small group of newsletter publishers agree to promote each other's newsletters.

You promote your JV partners' newsletters to your subscribers, in exchange for them promoting your newsletter to their subscribers. Everyone gets more subscribers and all at no cost.

Coupon List Builder

Here's An Amazingly Simple Sneaky Trick That Can Instantly Turn Casual Website Visitors Into Eager Newsletter Subscribers!

Are you looking for an effective way to persuade your website visitors to subscribe to your newsletter or mailing list? Are you getting disappointing results from offering a free ebook or tool? Here's a novel solution that could turn it around for you.

Offer your visitors a coupon! Online coupons have been around for years now, simply because they work. After all, everyone loves a bargain!

A coupon is actually just a special code number. Visitors enter the code number into a box to get a discount when they order your product.

So how does an online coupon help you to build your list? It's simple really. You put a simple signup form on your sales page telling people that if they enter their details into the form, you'll send them your special discount coupon.

How are you going to automate this process? Inside this product is the technology that you need for your business.

EZ-Notification Bar Maker

Quickly & easily put notification bars on any webpage!

What is traffic if it will not convert and what is the use of your banners and other media if it will not gain impressions.

If you want to offer something, using a notification bar is a new marketing media that recently converts well.

And creating one is very easy to do using this simple piece of amazing software.

Easy Upsell Pro

Here's A Quick And Easy Way To Create Thank You Pages For Your Downloadable Products - And Substantially Boost Your Profits By Upselling After The Sale!

Marketing products or services online is not as easy as it once was. Gone are the days when you could throw a website up on the internet, post a couple of posts on related forums and start reaping the sales without any further effort. That isn't to say that forum marketing doesn't work at all, but it is just one method in your arsenal.

The smart marketers know that they need targeted traffic from as many quality sources as they can possibly acquire. The best methods to use are those that attract traffic from a hugely popular site that can give you dead on targeted traffic.

All you need to do is get your piece of the traffic pie, and one way to do that is to post quality videos that are targeted to your product or market.

WP Video Sidekick Plugin

Plugin easily creates new WordPress plugins with iframed content!

If you want to create your own WordPress Features, chances are you need to make your own plugin.

And if you are not a web developer, you might spend a lot of money to make your ideas put into action.

The good news is that, inside this product, you will now have the ability to create your own awesome plugin in accordance with the functionalities that you want.

Quick Redirect Pro

Easily redirect your ugly affiliate links!

If you are an affiliate marketer, this piece of amazing software is very beneficial to you. You see, affiliate links are very untidy to see and it's hard to remember.

Using Quick Redirect Pro software will give you neat and easy to remember affiliate links that sales.

D L Shield Software

Here's A Quick And Easy Way To Stop Thieves Stealing Your Software Or Ebooks Directly From Your Own Download Pages - By Making Your Download Links Expire Automatically!

Do you sell downloadable products such as ebooks and software? If so, did you know that you're probably being ripped off on a regular basis? Thieves can steal copies of your products by illegally accessing your download pages.

This usually happens when someone buys a copy of your product then shares their download link with other people, through email or forums.The problem can then be compounded by search engines picking up links up from a forum - and then making it accessible to anyone doing a search.

Home Page Randomizer

Here's A Quick And Easy Way To Make Your Website Look Fresh And Vibrant Automatically - Without You Needing To Do Any Regular Site Updates!

You probably know that in order to keep visitors and search engines coming back to your site again and again, you need a regularly updated site.

But you probably don't want the hassle of doing all those regular updates. Home Page Randomizer solves this problem by using a special 'sneaky trick'.

Instead of a conventional static home page, you have a home page that changes each day. Every day, one of the ordinary pages of your site is chosen as the home page.

So if you have a site with 20 article pages, then the home page will show one article page as the home page each day, in a 20-day cycle.

Any visitors and search engines returning to the site will see different home page content each time they visit, giving the impression of a vibrant, regularly updated site - but without any ongoing effort from you.

Exit Profiter Software

Exit Profiter - Get Your Exit Pop On ANY Web Page That You Share! 

And Make Money from Any and EVERY Link You Create. Imagine being able to drop your exit popper onto any web page, piggy-backing off their authority

And leading the visitor to your squeeze page, product sales page, affiliate link, CPA offer, TeeSpring store, Cafe Press store, Lulu store, or in fact any web page you like!

Sales Funnel Ninja YouTube Edition

Drive Targeted Traffic To Your Sites Today With This Amazing Software! Cash In On YouTube Niche Today!

YouTube is one of the best medium that will let make money online. If you are not familiar how this technique works, this piece of amazing tool will help you.

Really Easy Script Installer

Here's A Really Easy Way To Install Scripts On Your Websites - Even If You're A Complete Beginner!

As you probably know, scripts can add powerful features to your websites and offer an easy way to boost your profits.

The drawback is that installing scripts requires some technical knowledge, such as the ability to create an SQL database.

And this sort of thing can prove very difficult for inexperienced webmasters.

But now with our brand new Really Easy Script Installer, just about anyone can install scripts by just filling in a form and clicking a few buttons...

WP Sales Bar Plugin

This WordPress plugin gives you an eyeball-grabbing notification toolbar that will boost your conversions!

We all know how important traffic for our website but if that traffic don't convert, gathering those traffic is just a waste of time and effort.

The good thing is that, there is an amazing WordPress Plugin that will convert your visitors into buyers.

Introducing, the WP Sales Bar Plugin. What this awesome tool does is that, it grabs the attention of your visitors that they will take immediate action to click on your offer.

WP Advert Plugin

This WordPress plugin offers 30 promotional toolbars packed into 1 simple user interface!

Add an Eye Catching Bar to catch the attention of your visitors in your WordPress site using this Plugin.

You can display the Notification Message on this Bar for Members/Guests, Display in Home Page/All Pages/Pages By ID, on Top/Bottom of the site, 32 types of easing effects to the Eye Catching Bar and Notification Message etc.

Show the Bar in Collapsed/Expanded state on page load with different types of Effect. Super Customizable Plugin.

Backlink Bandit Software

Backlink Bandit will create over 5000 backlinks for your website!

Traffic is the blood of every websites but if your goal is to make money online from those visits, you need to have those targeted leads.

These targeted traffic mostly came from Search Engine Results in which internet surfers used to find information that they are looking for. This means that if your website is on the page one of any search engine like Google, your website will mostly likely be clicked and visited by these target audiences.

So how you are going to make on the first page if not in the top spot of Google? The answer is - backlink. Backlinks is the way search engines used to determine the relevancy of the site.

This is also serve as vote for every webpages linking to it. The higher the number of quality backlinks you have, the better you rank. This software will do it for you...

Testimonial Express

Testimonial Express

Here's A Quick And Easy Way To Collect Profit-Boosting Testimonials For All Your Products And Services

As you probably know, adding testimonials to a sales page can be a highly effective way of increasing sales.

Testimonials provide credibility to your internet business, by showing that other people have bought your products or services before - and are happy with the results.

Indeed adding a few high quality testimonials to a sales page can, in some cases, as much as double the profits generated from the same level of traffic.

Clearly getting testimonials from your customers is a no-brainer.

In order to get customers to give you testimonials, you need to make it as easy as possible, which means providing a simple form where customers can submit a testimonial.

Search Engine Detector

Are You Wasting Time On Pointless Website Updates?...

Here's An Easy Way To Discover Exactly When Your Website Gets Spidered By The Major Search Engines, So You Can Target Your Site Updates For Maximum Benefit

Do you regularly update your websites to make them more attractive to the search engines?

And did you realise that your probably wasting a lot of time and effort in doing this?

Search engines send out "spiders" that crawl through websites in order to find all the web pages so they can be listed on the search engine.

These spiders are sent out to re-visit sites at irregular intervals and the search engine listings are then updated.

List Builders Super Pack

Easy To Use Software Offers Six Dynamite List Building Products That You Can Use To Build A Massive Optin List!

The money is in the list. This is what we always heard from most successful internet marketers.

If you don't have your own list, you leave a lot of money in the table. So start building your email list today using this amazing software.

Really Easy Ftp

Here's A Really Easy Way To Upload Your Website To Your Web Host! It's The Ultimate One-Click Solution!

Really Easy FTP is probably the easiest uploader tool available on the Internet. Just activate the software, tell it where you have put your website files on your PC and then enter your FTP information (the user name and password provided by your web host).

Then just click a button and the software will upload everything automatically.

It doesn't matter how many files are included in your site - or what type of files they are. They can be HTML pages, PHP pages, images, zip files or anything else. Your site can contain a single file, a hundred files or ten thousand files. No matter what the content, the software will upload everything automatically, with a single button click.

Php Activator

Here's A Quick And Easy Fix That Will Allow You To Embed Powerful PHP Code Inside Ordinary HTML Web Pages!

There are many solutions on the Internet which involve adding a small amount of PHP code to an HTML web page in order to provide additional features on the page. Examples include adding a page view counter or showing the current server time/date on your web page.

Adding PHP code to a web page normally means you have to rename your web page to be a '.php' file instead of a '.htm' file. While renaming a file is not difficult, it is hassle because all links to the page have to be changed (so for example, any links to page1.htm would need changing to link to page1.php).

Web Link Click Counter

Here's A Quick And Easy, Low Cost Way To Track The EXACT Response To Any Ad, Anywhere!

Any successful marketer will tell you the importance of tracking the response to your ads.

If you're sending emails to your list, you should know how many people click on links in the email, so you can determine whether the ad was of interest to your subscribers - and whether your email copy was up to the job.

For ads placed on your web site, you need to see how many visitors are clicking on the ads, to determine whether they could be improved.

Easy Squeeze Page Tester

Stop Losing Customers Before They've Even Seen Your Offer! Here's How You Can Optimize Every Aspect Of Your Squeeze Page, To Get MORE Subscribers And Customers!

Squeeze pages are a great invention, allowing you to build your list and send follow-up emails to boost sales. But there is a BIG drawback to using them.

Potential customers who decide not to subscribe will just leave your site, meaning NO subscriber and NO sale.

That's why it's so critical to make sure your squeeze page persuades as many visitors as possible to subscribe.

Easy Banner Ad Rotator

Here's An Easy Way To Maximize Your Profits From Every Visitor, By Showing Different Banner And Image Ads On Each Web Page Viewed!

Do you use clickable banners or images on your web pages, to promote your own products or affiliate programs?

Many webmasters find that these ads can generate a lot more revenue than contextual ads like Adsense.

But showing the same ad on every page of your site means throwing away potential revenue.

Ideally you want each visitor to see your best performing ad on the first page they view, then different ads on successive page views.

Now there is an easy way to do this, with Easy Banner Ad Rotator. You can set up a whole set of clickable banners or images.

WP Profiteer Plugin

Increase Your Website Profits Instantly With The WP Profiteer WordPress Plugin. PERIOD. Stop Losing Money When Your Visitors Land On Broken Links!

WP Profiteer is a handy WordPress plugin that captures lost profits on your blogs. 

It does this by redirecting the 404 Error Pages that your visitors encounter, to any URL you select, instantly. Your visitors will never even see the error page!

Upload, Activate, Enter Your Redirect URL. You're Done. We're Talking ONE Minute Here. Literally.

This one simple action could end up paying you for years to come by capturing those 'lost' visitors who would have just seen an error page if you didn't have WP Profiteer installed.

WP No Right Click Plugin

A Revolutionary Popup to 'Catch' Extra Money Whenever Someone Attempts to Steal Your Blog Content Or View Your Sourcecode!

Fact : 500,000+ New People Are Searching For Various Search Terms Each Month For Information On How to Steal Website Content...

Here's A WordPress Plugin That Will Help You Sleep At Night, Knowing That Your Blogs, And Client Blogs Have An Added Layer Of Security, And You're Actually Benefiting When Users Try To Steal!

When visitors attempt to steal your content or view your website's sourcecode, an popup shows up!

Affiliate Link Weeder

Here's A Really Easy Way To Find The Most Profitable Affiliate Program To Promote For Any Niche!

No matter what niche you are promoting, there are always many different affiliate programs that you can promote to earn commissions.

But not all affiliate programs are equal.

Some will make you a lot of money - while others are just a complete waste of time and effort.

So how do you weed out these weak affiliate programs, and leave yourself with just the top earners?

Now it's easy, with your copy of Affiliate Link Weeder.

Just enter all the different affiliate links into Affiliate Link Weeder and the software will automatically split your traffic equally between the links.

Just wait a short while to see which affiliate programs pay you the most money - then dump the losers.

It really is that simple!

Picture Blast WP Plugin

Quickly search, manage and add free photos - over 180 million - to your posts!

This amazing plugin is really a huge to all bloggers all around the globe. Images is vital in every blogger's blog post and if you are short of images in your database, this might be a pain in your ass. 🙂

So here it is.

WP Snowy Plugin

Easily add a beautiful snowfall effect and have a Christmas tone on your WordPress site!

Christmas is coming and the season of buying gifts to their love ones is once again increasing.

Would it be nice that you show your customers that you are with them celebrating the same Christmas occasion?

Facebook App Software

Now You Can Easily Add A Add Facebook App To Your Facebook Page!

Facebook isn't a secret money pile just waiting to be found, but it can be a reliable source of extra income with some work and a clever approach.

Inside this product, you are going to have the incridible facebook app software that you can use to create applications and sell it for profit.

Countdown and Redirector Generator

Sell this Cool Product for Maximum Profit!

One of the best way to make money online is by selling cool products that will benefit your customers.

The question is that, what is that product and should I create my own one? The good news is that, you don't need to. As inside this product package has give you the right to sell or use it yourself.

This software creates a redirect page with a countdown timer on it. You can customize the content at the top of the page...

Content Cruiser Plugin

Automated RSS Plugin Pulls Money Making Blog Posts Directly To Your WordPress Dashboard! 

Set pulled posts to auto publish, or save as a draft for manual review! You have complete control!

The Content Cruiser package provides an easy way to instantly add an ADDITIONAL source of income to your Internet Marketing blog, that you're NOT already using right now, with VERY little work on your part...

Fun Animated Ticket Generator

This software creates a colorful animated ticker box.

You choose size, shape and colors. Colors are automatically randomized.Includes a Video Tutorial

Gangsta Optins Plugin

Are your optin forms ugly? Discover how you can easily create beautiful forms in just minutes - all without leaving your dashboard!

Smart website owners know that building a mailing list is the key to a successful online business. It doesn't matter if you're a service provider, an affiliate marketer, or an offline business owner with an online presence - your mailing list is your most valuable asset.

But getting people to subscribe is tougher than ever.

You need to drive a lot of traffic, offer better incentives, and above all else, you need an opt-in form that begs to be filled out.

Too bad your mailing list service doesn't provide professional-looking choices.

Sure, you get the cut-and-paste tools, and adding the opt-in box to your site is simple enough, but it still looks like every other website around, and does nothing to set you apart.

What if You Want to Place Your Opt-In Box on a Page or in a Post?

A Simple Solution You Can Implement in Minutes. A Nearly Endless Variety of Options.

WP Rebrander Tool

Easy To Use WP Rebrander Tool! Now You Can Quickly Rebrand WordPress Themes And Plugins!

What if you could rebrand any WP Theme or Plugin, as your own in 2 minutes flat?

If you’ve ever felt like how can I have a solution that creates products for me without the cost of developing… get ready to discover the Ultimate way.

We’ve all been there, spending hours and hours trying to come up with a product that we can sell and make money… Only to find that you need to pay massive money upfront, spend hours and hours to develop something and then you wouldn’t even know if the product that you spend your hard earned money is to be any good!

HotelsCombined Search Widget

This WordPress plugin displays the Hotels Combined Search Widget on Your Sidebar.

You'll earn revenue every time a user clicks on a compared travel website. No need to wait for commission to be collected from the hotel!

If you have a website that offers deals and promotions of various hotels in your place, then this premium plugin is worth trying for your business.

Move Featured Image Plugin

Helpful WordPress plugin moves the WordPress featured image box so that it appears at the top of the dashboard.

If you love using featured image on each of your blog post, then this plugin will help you do it fast.

Show Upcoming Posts Plugin

This WordPress plugin allows you to display your upcoming posts in the sidebar!

The good thing about this plugin is that, this will help you to excite your blog readers on what posts that they will going to read in the future.

If you are a passionate blogger that keeps on updating your blog, then activating this plugin is a must.

WP Social Footer

This WordPress plugin adds a fixed footer bar with social network buttons so that user can share your posts!

If you want to make your post go viral in some social media networks like facebook, twitter, stumbleupon, etc. Then this plugin is a great help.

CB Goldminer

Simple New App Saves You Money On Clickbank Virtually Everytime You Use It!

Stop Paying More Than You Need to... Plus, Be a Hero to Your Subscribers by Finding Them Deals Nobody Else Knows About!

If I could show you how to save money on nearly every ClickBank purchase you ever make... would you be interested? Of course you would!

The Good News... there IS a way to get discounted prices and free trials for your ClickBank purchases.

The EVEN BETTER... News it's totally legal and legit... you're NOT breaking any ClickBank rules.

License File Creator

Internet Marketing MRR softwareLicense File Creatoris a simple to use software the can create a license that meet the needs of most IM products. Comes with ecovers for resell or give away.

Animated Pop Over Window Generator

MRR Software - Animated Pop Over Window Generator creates a window that slides over your current window, when the open link is clicked.

It has a cool animation effect. Includes a Video Tutorial & ecovers.

Wp Guest Poster Plugin

An EASY Way To Monetize Your Blog, Get FREE Content, Build Social Signals, Increase Engagement And More...

Now You Can Allow Your Blog GUESTS To Post To Your Blog Without Registering Themselves! Get Free Content, User Interaction, Social Signals, and MONETIZE This Plugin ANY Way You Want!

Using Wp Guest Poster, you can build strong user interaction and ongoing engagement on all of your WordPress blogs.

Not only that, but you're getting FREE 'user generated content' for your blog, keeping it fresh with no work on your part!

PLR Extractor Software

Have you ever thought that you can use your DOC or PDF ebooks to estract articles? Use this software to fill your blogs with great content!

Yes, if you purchase PLRExtractor in this offer, you get also the Master Resell Rights of the software. This means that the software is yours, you can give it for free to your friends, to your list or even you can sell it.

EZ Bookmark Us Generator

MRR software - EZ Bookmark Us Generator creates a small script you can place on your site to help people easily bookmark it.

This software creates a small script you can place on your site to help people easily bookmark it

Mobile Simulator Plugin Builder

Easy To Use Mobile Simulator Plugin Builder!

If you are looking for a mobile simulator plugin builder, this great piece of software is what you are looking for.

Download this now to try it out!

Site Title Scroller Generator

Site Title Scroller Generator Software!

This software lets you create alternating titles or a message string to show in your browser’s title bar

It will scroll through six different messages of your choice and place them in the browser title bar

Inside this package includes a Video Tutorial

Mobile Simulator Plugin

This Mobile Simulator Will Load Websites Just Like A Smartphone Does, Only It Will Do It On Your Computer Screen!

Show Potential Clients What Their Site Looks Like On A Smartphone!Are you in need of a plugin that will show how bad websites look on a mobile viewing?

If you had a mobile website creation service, can you imagine the instant connect that such a plugin can offer?

Have you also thought about the enormous possibility of marketing this plugin, either for a fee or for free, in exchange for an email?

With 100% rebrand rights, you can easily sell market or auction this awesome plugin that will allow users to instantly preview a site in mobile mode, without actually using a smartphone.

Last Visit Display Script Generator

This script will show a message to your visitors to welcome them for the first time or welcome them back and tell them when they last visited.

This product includes a Video Tutorial.

Easy Popup Generator

No one likes popups now a days, but let's face it. There are times when they are absolutely necessary, or at least vital, to the layout and deployment workings of your website.

This software will enable you to create simple popup windows for your own sites.Great little tool for those who need to display images, screenshots or open links within a new window. Customize whether or not to display the browser address bar, status bar and so much more...

Twitter Friends Widget

Twitter Friends Widget - a "simple to use" software that will generate the "extremely easy to install" code on your own website which will enable you to display pictures of your Twitter followers, those who follow you, or even your Twitter Friends (those who you follow).

You can then embed the resulting code on your website pages or even in your blog sidebars or even your footer bars. You can even set it to show their latest tweets if you'd like it to.

With Twitter Friends Widget, you'll enjoy all the following features:

Show your latest Twitter Friends and Followers with custom animation.

Display your profile and total count of your friends and followers.

Display your friends' or followers' latest tweets.

Instead of linking a picture to your friend's twitter page, you can link it to his/her home page.

And much more!

Download Protector

What this amazing "Download Protector" software does:

This software will walk you through the process of creating a secure download page - step by step. Simply fill in a few blanks (4 to be exact) and let the Download Protector software do the rest for you.

Repeat this simple process for as many secure download pages as you need. This software will not limit you to the number of pages you create, so have a ball creating as many pages as you need. Hell, why not create a secure page for every one of your downloadable files, making sure your profits remain in your pocket and not that of digital thieves!

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