#also a couple of times when we had like 0 dollars in our bank account i scrounged up coins from around the house to buy us booze sldkfjlksf

[traciedemars]

Upcoming Free (& non-promotional) Home Buyer Classes:

Saturday, October 7th, from 9am-12pm (ish)  Marshall Community Center, conference room 1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College)

Saturday, October 21st, from 11am - 2pm (ish)   Vancouver YMCA, conference room   11324 NE 51st Circle, Vancouver WA (corner of SR500 & Gher Road/112th Ave)

Monday, October 23rd, from 5pm-8pm (ish)  Marshall Community Center, conference room  1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College)

If these class dates and/or times don't work for you, please let us know. We understand that you have lives, and families, and work.  We will work something out that works better with your schedule.  Just let us know.... ..we also have home seller classes available too...link on left on website

 Remember...with reservation...we will throw in lunch, or dinner!  :-D~~~~~~~~~

Welcome Fall!

  I love fall...  I love the crisp mornings, the smells, the leaves turning color, the upcoming holidays....everything!  Yay for fall....and yes, I love the rain when it comes, but right now...it's some perfect fall weather so no complaint.  :-D  Honestly though... the weather, and how gorgeous it is, is almost obscene considering all that is going on in our world right now.  I had a really cute Hocus Pocus (one of my favorite October movies) meme that I was going to use this week, but decided that this one is more appropriate right now.  You don't have to type, "yes", either...  :-)

Just a reminder as well, that we have our semi-annual Client Appreciation Movie coming up....  STAR WARS:  THE LAST JEDI!!!  WooHoo!!  :-D  We're still going back and forth on a another movie, or if we want to do something else...  I will keep you informed, but we're always open to ideas.  WE appreciate you!  We appreciate your referrals, and your friendship.....every day...  :-)

This week we're going to spend some time talking about down payment.  Like Closing Costs, or money that folks need to buy a home....there seems to be a lot of misinformation regarding this. Many banks, or lenders, will tell you different things...or different down payment dollar amounts that you will need because that is what THEIR lending institution will allow, but there's always more options.  Please remember that I am NOT a lender.  Please call or email Chris Berg at Pinnacle Mortgage for more information on any of these, or feel free to come to one of the classes.  We are here to help.  Chris's information is:  503-320-0925 & 

cberg@pcmloan.com

...  or you can Facebook him as well. 

FHA: FHA is the king loan as most folks will use this when buying a home.  Chris says that, with FHA, you can buy a home with as low as a 580 credit score, but it's rough...  620, or higher,  and you will love him. FHA requires the lowest down payment, and that is 3.5% of the purchase price.  If you have your down payment, the lender can help with your closing costs.  We will talk about Closing costs next week.  

Conventional: You can get a conventional loan with a down payment of 3% of the purchase price if you or the home meet certain criteria or 5% down if you make too much money for the program, but interest rates tend to be higher with this loan, and the best rates go to those folks with 720 or higher credit scores.  

USDA or Rural: This is a zero down payment loan....(remember that you do still have to have some money to buy a home...see last weeks email).  USDA is location specific though as you have to buy in their approved areas....and they don't like barns, or acreage.  This is not just a loan for a first time buyer either... as long as you meet income limits & credit score... it can be used. VA: Have to be a veteran, or spouse of a deceased veteran who died in service.  No down payment required.  This really is the best loan program there is,  and frankly our military vets & folks deserve it.  Those are the 4 basic loans and, in some form or another, most lenders work with them or offer variations of them.  However, what if you don't have money for a down payment?  You have your earnest money, your inspection fee, and your appraisal fee (unless you're VA which includes the appraisal fee)...but you really want to buy your OWN home?  ....and you don't want to live in a USDA approved area?  You want to live in Vancouver?  Well, there's programs for that too! From Chris: Here is the information on a couple of loans that the big banks and credit unions don’t offer that may help you get into a home now: WSHFC Home Advantage: This is for Washington residents buying a home that they are going to use as their primary residence.  They offer a 2nd mortgage to cover your down payment with 0% interest and no payments on that 2nd

mortgage for 30 years.  Also only need a 620 credit score to qualify. Those are the pros.  Cons include higher interest rate on the 1st  mortgage, more closing costs, 3rdparty underwriting, and there is a max income (for all living in the home) that you have to be under. Chenoa Down Payment Assistance:  This is a cool option.  Works for multiple states (including WA and OR).  First mortgage is FHA and the 2nd

mortgage (if you are under the max income threshold) that covers your down payment is forgiven after you have made your on time payments for 36 months. Good news is that if you make more than the max income for the program you can still do it, you just have to pay the 2nd

mortgage back.  Cons are mostly in the fact that the rate for the 1stmortgage is higher than if you had a down payment. Long story short, there are several low/zero down payment options for you to consider.  You will always get a better deal if you have a down payment but if you don’t I have got you covered.

....and don't forget gifts.  If you have a family member who wants to help you, gifts can be used to help with your down payment, or earnest money.  This is actually quite common.  Another way to get a down payment is to use your 401k.  If you have a 401k, or retirement account, most of those have special options that you can use to get money out for your down payment.  So...whether you have your down payment, or you need help with a down payment... there are options, and help available  We are always here to answer any questions you might have.  It's what we do...  :-) Information is power, and I hope that I am able to help you.  Good luck, and as always...

May the odds be ever in your favor out there

....  AND If you are looking for a real estate agent, I would love to be able to help you.  

As always....this is just a quick overview.... again...and I can't say this enough...please remember that your agent is NOT a salesperson, and should not be acting like one.  Real Estate is not really about houses, it is about relationships.  Your agent, and your lender work for YOU.  You drive the bus...we are merely GPS to help you get to your goals.  Like the classes, this weekly blog email is to help you with your home adventure.  The goal is to be informative and non-promotional.  :-)  We are, however, hoping you will call and want us to help with your adventure.  If you have any questions about this, or something you have heard...or if you would like me to help you with your home adventure, please call, email, text, or facebook me anytime.  I am, as always, happy to help! Thank you again for your business and your referrals!!  ...and thank you for referring these classes to your friends, family, and co-workers.  ..disclaimer...if you have already purchased a home, or would no longer like to receive these emails, please let me know and I will be happy to remove you from any further mailings... Upcoming Topics:

Flash vs Bones...what should a buyer be looking for in homes?

Last Week:  

Can you buy a home with ZERO out of pocket?

 Have a great day, and I will talk to you soon ;-D Tracie DeMars Real Estate broker Re/Max - Van Mall 360/ 903-3504 cell 360/ 882-3600 fax www.traciedemars.com traciedemars@aol.com

Interested in free and non promotional home education classes?  Go to www.freehomebuyerclasses.com for local upcoming home buyer and home SELLER classes, or facebook: Tracie DeMars Real Estate for my home buyer education blog.

"Listen to the mustn'ts, child. Listen to the don'ts. Listen to the shouldn'ts, the impossibles, the won'ts. Listen to the never haves, then listen close to me... Anything can happen, child. Anything can be."

- Shel Silverstein, American poet, cartoonist and composer, (1930 -Â 1999). This message and any attachments may contain confidential or privileged information and are only for the use of the intended recipient of this message. If you are not the intended recipient, please notify the sender by return email, and delete or destroy this and all copies of this message and all attachments. Any unauthorized disclosure, use, distribution, or reproduction of this message or any attachments is prohibited and may be unlawful. 

[airoasis]

MyDigital6 Bitcoin Program-Official MD6 Intro Video 1 (of 2).

New Post has been published on https://hititem.kr/mydigital6-bitcoin-program-official-md6-intro-video-1-of-2/

MyDigital6 Bitcoin Program-Official MD6 Intro Video 1 (of 2).

So you wish to have to earn bitcoins i’ll exhibit you get bitcoins through a brand new incomes inspiration unlike anything ever earlier than visible in the end a official handy and extremely-quick Bitcoin opportunity for the ages my digital six has taken the historic-university and tremendously moneymaking chain letter modality but thirty years ago and changed it into an without problems conceivable brand new Bitcoin earning software stick around new acquaintances and put together to be amazed at how mydigital6 is going to alter your existence without end the Bitcoin incomes opportunity that’s provided at the Iceland born mydigital6.Is area is sheer genius and is a world’s first ever Bitcoin possibility of its sort. It combines some enormously innovative standards which have but to be introduced into an earning opportunity to this point. Incomes Bitcoin has not ever been faster or less complicated or more authentic in regards to how officials may interpret this program versus the subsequent that comes along. Constant smaller quantities of Bitcoin can begin to arrive into your possess individual Bitcoin wallet by means of the hour all day long should you come to a decision to initiate this simple proposal individuals take talents of what is a first-of-its-style Bitcoin earning opportunity combining modern-day on-line emailing and social applied sciences with an exciting platform concept much like that of the ancient world however totally rewarding chain letter modality of the late 70s through the 90s that many could nonetheless recall. Even though individuals had a hard time proving repayments being made between them again then physical chain letters still managed to attract ten to fifteen thousand or more greenbacks to a individual’s home through the postal approach within just mere weeks. These forms of profits might be realized from the initiating of only one single mail campaign assembled and a kitchen table within a couple of hours effort and did in fact for a lot of. To at the present time there has never really been whatever fairly so easy to initiate while being so powerful within the name of earning profits from home. They have been so robust in growing experience of wealth for the long-established household that they have been in-fact the direct intent for the construction of laws that to at the moment disallow bodily money to be mailed to at least one an additional even as beneath the pretense of getting rich quick. You’re about to be quite simply blown away at how this manufacturer-new legitimate floor shattering proposal takes the legal guidelines of duplication in exponential arithmetic that made chain letters so innovative in their day to a entire new degree online for you and your household here in our modern day times.Now as I get started here you’ll be able to have an interest to grasp that i have eradicated the accountability or fee proof flaw that the ordinary chain letter model incurred that a few of you would keep in mind. This delivered function alterations the sport dramatically benefiting all involved by giant margins. And no, we are not mailing something from house with this application. Many required updates have been brought right here to ensure legitimacy and longevity of this ground shattering and highly revolutionary application adhering to the various required country codes and recommendations on the way to make sure the longevity of this software was prime priority in developing this Bitcoin opportunity. Constructing the opportunity in a true evergreen capacity was once one more significant requirement of mine. Meaning it might probably provide pleasure and wealth to those that take part ten years from now just the identical as it is going to for folks getting concerned in these days. The utter simplicity of this software versus the insanely excessive dollars in Bitcoin it’s going to entice to your wallet in regular daily fashion helps to ensure this truth. The three matters which can be complete with the my digital six application within the name of legitimacy is that the program manages to establish actual consumers real products and real worth to these purchasers. This is important when now not best devising a winning long run professional sales possibility however when launching any business relatively, whether or not it’s on-line or off. I will guarantee you that if any of the quite a lot of retailers around your residence did not fall into compliance with these three ideas their doors would get closed briefly order. Rule number 1: There need to be purchasers that are generated from the public at gigantic that a enterprise’s products and services are to be offered to.Rule number 2: In retaining any business or opportunity workable in on point is that customers ought to obtain value for the greenbacks spent with the brand in question. In the end rule number 3 reflects the best way wherein cash flows by means of their ranks in any industry organization or possibility on the earth intellect you on-line or off. In the case of an possibility platform vs. A traditional trade type cash spent on merchandise and consequently fee’s earned need to be proportionate to all worried. Commissions ought to also be specially centered on product income made to end shoppers that are not part of any inside fee constitution.Reliable fee-payable opportunities can not with ease reward for recruiting only or for selling to present interior participants. Many online hyips, pyramids, cyclers, ponzi’s, and networking matrices are unlawful due to the fact with the aid of their very design-do not regularly accomplish any one of these principles let on my own all three. These typically hollow and 0 product-backed opportunities erode from the backside upwards over a brief interval of time or are without difficulty shut down through the powers that be. As good they should be too – they where unwell-conceived proper from the commonly benefiting the higher tiers of its infrastructure or worse yet, a sole operator perched up excessive atop its pyramid design, If one is to think the universal legal guidelines of appeal then one knows the creators of such packages will get what they have got coming to them. The existence force of our planet guarantees steadiness and justification to every being that exists upon it. Constant optimistic or poor movements regardless of the size, assemble the trail that each and every of us are on-founded on how we behave and treat our fellow man from daily. As a veteran online and networking marketer, creator, and official crypto day trader i have noticeable countless numbers and i imply hundreds and hundreds of bogus opportunities come across the internet above all due to the fact early 2016 when Bitcoin itself began to take some actual shape. 1000s of thousands of dollars were stripped faraway from so many by deceitful, in poor health-intended, and incredibly gifted crooks. Shysters that make use of incredibly progressive replica positioned on the best possible tech-savvy web sites with only one thing on their agenda. It’s this very phenomenon that led me to demand trade for thus many who of in any other case been financially injured and victimized by way of the countless and quite gifted wrongdoers of our brand new day. Although i’ve had countless networking leaders requests that I could create a software through the years seeing the conglomerates become a member of in additionally taking men and women for billions in late 2017 with bitcoins steep upward thrust and even turbo fall used to be the final turning factor for me. See; most do not realize how the banks. Insurance giants, governments, and institutional buying and selling firms played the middle category from August of 2017 to mid December drawing near 2018. When they need you to purchase at the perfect features they use interesting and perfectly timed online propaganda. When they need you to sell they once more manipulate the drops taking their revenue whilst feeding you poor propaganda to get you to promote low. Individuals have been played like puppets by means of these associations working in live performance in opposition to them, and that i just knew at that point that I’ve seen enough. Each single buck- each single penny that’s transacted in this software goes straight into the referring contributors individual Bitcoin account at any place that could be.There’s no hierarchy or stages or recruiting in mydigital6 application. In all truth the website online itself is only a customer referral hub or a digital product dispensary if you’re going to. Even when the website and program goes entirely computerized and self-replicating later this 12 months of 2018 the $1 by means of $6 digital product purchases will consistently go straight to the six members worried with the sale of six said products. These six brand new contemporary digital merchandise are of my construction and as of proper now you’re hereby completely licensed to promote them to your new patrons. Each member refers new purchasers one hundred% of the time-which by the way is solely probably the most things that makes this so profoundly actual and fully compliant let on my own entertaining and immensely profitable. However I promise you have not obvious something yet. The way in which wherein we flip a $21 one-time Bitcoin cost into hourly Bitcoin profits daily is an absolute wonder in this world of never-ending Bitcoin incomes possibility launches. And my bottom-dollar guess is that when you see the simplicity of this revolutionary and groundbreaking platform and how it goes to work for you the moment you implement it, you’ll jump right in and not ever seem back. And so begins what i hope is the greatest transfer of wealth back to the center category at all time. In video number 2 i will share how it’s that our individuals take full potential of the legal guidelines of exponential mathematics to generate potentially tens of enormous quantities in Bitcoin and considering the fact that coin arrive to them within as little as 36 hours of getting concerned. Sure I did say 36 hours. Some will say coin in a matter of minutes of sharing this Bitcoin incomes opportunity in all fact. And that’s how fast it is buddy. Anyway i’ve some earnings state of affairs charts to share with you in the subsequent video which can be distinct to get you radically excited and puzzling over all of the methods you’re going to look your wildest dreams subsequently coming authentic. When you have struggled in the past to dig your claws into whatever that truly labored wonders for you and yours – ready of producing revenue ongoing with no end in sight, you relatively owe it to yourself to come see how this inspiration can go to give you the results you want, If you know how to ship a easy e mail or drop a mobile name to a handful of context then your lifestyles is ready to vary and in the grandest of ways. I am hoping to peer you over at mydigital6.Is right now. It is now easier than in all of historical past to earn bitcoins. .

[batterymonster2021]

MyDigital6 Bitcoin Program-Official MD6 Intro Video 1 (of 2).

New Post has been published on https://hititem.kr/mydigital6-bitcoin-program-official-md6-intro-video-1-of-2/

MyDigital6 Bitcoin Program-Official MD6 Intro Video 1 (of 2).

So you wish to have to earn bitcoins i’ll exhibit you get bitcoins through a brand new incomes inspiration unlike anything ever earlier than visible in the end a official handy and extremely-quick Bitcoin opportunity for the ages my digital six has taken the historic-university and tremendously moneymaking chain letter modality but thirty years ago and changed it into an without problems conceivable brand new Bitcoin earning software stick around new acquaintances and put together to be amazed at how mydigital6 is going to alter your existence without end the Bitcoin incomes opportunity that’s provided at the Iceland born mydigital6.Is area is sheer genius and is a world’s first ever Bitcoin possibility of its sort. It combines some enormously innovative standards which have but to be introduced into an earning opportunity to this point. Incomes Bitcoin has not ever been faster or less complicated or more authentic in regards to how officials may interpret this program versus the subsequent that comes along. Constant smaller quantities of Bitcoin can begin to arrive into your possess individual Bitcoin wallet by means of the hour all day long should you come to a decision to initiate this simple proposal individuals take talents of what is a first-of-its-style Bitcoin earning opportunity combining modern-day on-line emailing and social applied sciences with an exciting platform concept much like that of the ancient world however totally rewarding chain letter modality of the late 70s through the 90s that many could nonetheless recall. Even though individuals had a hard time proving repayments being made between them again then physical chain letters still managed to attract ten to fifteen thousand or more greenbacks to a individual’s home through the postal approach within just mere weeks. These forms of profits might be realized from the initiating of only one single mail campaign assembled and a kitchen table within a couple of hours effort and did in fact for a lot of. To at the present time there has never really been whatever fairly so easy to initiate while being so powerful within the name of earning profits from home. They have been so robust in growing experience of wealth for the long-established household that they have been in-fact the direct intent for the construction of laws that to at the moment disallow bodily money to be mailed to at least one an additional even as beneath the pretense of getting rich quick. You’re about to be quite simply blown away at how this manufacturer-new legitimate floor shattering proposal takes the legal guidelines of duplication in exponential arithmetic that made chain letters so innovative in their day to a entire new degree online for you and your household here in our modern day times.Now as I get started here you’ll be able to have an interest to grasp that i have eradicated the accountability or fee proof flaw that the ordinary chain letter model incurred that a few of you would keep in mind. This delivered function alterations the sport dramatically benefiting all involved by giant margins. And no, we are not mailing something from house with this application. Many required updates have been brought right here to ensure legitimacy and longevity of this ground shattering and highly revolutionary application adhering to the various required country codes and recommendations on the way to make sure the longevity of this software was prime priority in developing this Bitcoin opportunity. Constructing the opportunity in a true evergreen capacity was once one more significant requirement of mine. Meaning it might probably provide pleasure and wealth to those that take part ten years from now just the identical as it is going to for folks getting concerned in these days. The utter simplicity of this software versus the insanely excessive dollars in Bitcoin it’s going to entice to your wallet in regular daily fashion helps to ensure this truth. The three matters which can be complete with the my digital six application within the name of legitimacy is that the program manages to establish actual consumers real products and real worth to these purchasers. This is important when now not best devising a winning long run professional sales possibility however when launching any business relatively, whether or not it’s on-line or off. I will guarantee you that if any of the quite a lot of retailers around your residence did not fall into compliance with these three ideas their doors would get closed briefly order. Rule number 1: There need to be purchasers that are generated from the public at gigantic that a enterprise’s products and services are to be offered to.Rule number 2: In retaining any business or opportunity workable in on point is that customers ought to obtain value for the greenbacks spent with the brand in question. In the end rule number 3 reflects the best way wherein cash flows by means of their ranks in any industry organization or possibility on the earth intellect you on-line or off. In the case of an possibility platform vs. A traditional trade type cash spent on merchandise and consequently fee’s earned need to be proportionate to all worried. Commissions ought to also be specially centered on product income made to end shoppers that are not part of any inside fee constitution.Reliable fee-payable opportunities can not with ease reward for recruiting only or for selling to present interior participants. Many online hyips, pyramids, cyclers, ponzi’s, and networking matrices are unlawful due to the fact with the aid of their very design-do not regularly accomplish any one of these principles let on my own all three. These typically hollow and 0 product-backed opportunities erode from the backside upwards over a brief interval of time or are without difficulty shut down through the powers that be. As good they should be too – they where unwell-conceived proper from the commonly benefiting the higher tiers of its infrastructure or worse yet, a sole operator perched up excessive atop its pyramid design, If one is to think the universal legal guidelines of appeal then one knows the creators of such packages will get what they have got coming to them. The existence force of our planet guarantees steadiness and justification to every being that exists upon it. Constant optimistic or poor movements regardless of the size, assemble the trail that each and every of us are on-founded on how we behave and treat our fellow man from daily. As a veteran online and networking marketer, creator, and official crypto day trader i have noticeable countless numbers and i imply hundreds and hundreds of bogus opportunities come across the internet above all due to the fact early 2016 when Bitcoin itself began to take some actual shape. 1000s of thousands of dollars were stripped faraway from so many by deceitful, in poor health-intended, and incredibly gifted crooks. Shysters that make use of incredibly progressive replica positioned on the best possible tech-savvy web sites with only one thing on their agenda. It’s this very phenomenon that led me to demand trade for thus many who of in any other case been financially injured and victimized by way of the countless and quite gifted wrongdoers of our brand new day. Although i’ve had countless networking leaders requests that I could create a software through the years seeing the conglomerates become a member of in additionally taking men and women for billions in late 2017 with bitcoins steep upward thrust and even turbo fall used to be the final turning factor for me. See; most do not realize how the banks. Insurance giants, governments, and institutional buying and selling firms played the middle category from August of 2017 to mid December drawing near 2018. When they need you to purchase at the perfect features they use interesting and perfectly timed online propaganda. When they need you to sell they once more manipulate the drops taking their revenue whilst feeding you poor propaganda to get you to promote low. Individuals have been played like puppets by means of these associations working in live performance in opposition to them, and that i just knew at that point that I’ve seen enough. Each single buck- each single penny that’s transacted in this software goes straight into the referring contributors individual Bitcoin account at any place that could be.There’s no hierarchy or stages or recruiting in mydigital6 application. In all truth the website online itself is only a customer referral hub or a digital product dispensary if you’re going to. Even when the website and program goes entirely computerized and self-replicating later this 12 months of 2018 the $1 by means of $6 digital product purchases will consistently go straight to the six members worried with the sale of six said products. These six brand new contemporary digital merchandise are of my construction and as of proper now you’re hereby completely licensed to promote them to your new patrons. Each member refers new purchasers one hundred% of the time-which by the way is solely probably the most things that makes this so profoundly actual and fully compliant let on my own entertaining and immensely profitable. However I promise you have not obvious something yet. The way in which wherein we flip a $21 one-time Bitcoin cost into hourly Bitcoin profits daily is an absolute wonder in this world of never-ending Bitcoin incomes possibility launches. And my bottom-dollar guess is that when you see the simplicity of this revolutionary and groundbreaking platform and how it goes to work for you the moment you implement it, you’ll jump right in and not ever seem back. And so begins what i hope is the greatest transfer of wealth back to the center category at all time. In video number 2 i will share how it’s that our individuals take full potential of the legal guidelines of exponential mathematics to generate potentially tens of enormous quantities in Bitcoin and considering the fact that coin arrive to them within as little as 36 hours of getting concerned. Sure I did say 36 hours. Some will say coin in a matter of minutes of sharing this Bitcoin incomes opportunity in all fact. And that’s how fast it is buddy. Anyway i’ve some earnings state of affairs charts to share with you in the subsequent video which can be distinct to get you radically excited and puzzling over all of the methods you’re going to look your wildest dreams subsequently coming authentic. When you have struggled in the past to dig your claws into whatever that truly labored wonders for you and yours – ready of producing revenue ongoing with no end in sight, you relatively owe it to yourself to come see how this inspiration can go to give you the results you want, If you know how to ship a easy e mail or drop a mobile name to a handful of context then your lifestyles is ready to vary and in the grandest of ways. I am hoping to peer you over at mydigital6.Is right now. It is now easier than in all of historical past to earn bitcoins. .

[shannrussell-blog1]

If I had a dollar for every ATM withdrawal fee I shrugged off, I’d be able to fly first-class (more than once). See, travelling is alluringly easy now… more than it’s ever been before.

Flight websites are vying for our attention, with low-priced tickets. We rent out local’s apartments (thanks Airbnb) and hop in cars for cheap rides around.

But, no matter how spontaneous a traveller we are, there are must-know tricks to make our dollar (and itinerary), go further.

Wherever you travel in the world, these tips will come in handy.

The no-fee bank card

I used to pre-load a Travelex card, before moving over to a Qantas Cash Card… purely for the points. Every dollar I loaded, I received a Qantas point. But, it was a hassle trying to figure out how much to put on the card. Plus, the bank charged a fee and it locked me into one currency.

My ah-ha moment? Discovering the no-fee Citibank Debit Card

This little baby doesn’t charge the standard 3% on international purchases and $0 on ATM withdrawals. Like I said, if I knew this years ago, I would be rocking it up in first-class. It’s free to apply for and you just need to link it to a savings account.

I use my card for most purchases plus, if I need cash I know I won’t be charged a hefty $5 withdrawal fee if I need it.

A no-fee bank card is a game changer. 

Travel insurance. Yes, this is an essential!

Guys, I’ve been there… trying to save money and flirting with the idea of just risking it, without insurance. “Oh, but I’m just going on a short trip to Bali. I won’t need it.”

Well, as it tends to unfold, that was the trip I actually did need it. A volcano, on Bali’s neighbour island, Lombok, erupted. All flights were cancelled for a week, but thankfully, it was covered under my policy.

I suggest finding a company that offers a hybrid coverage of health and travel. Make sure you’ve got full protection in an emergency. Also, pay a little extra to secure your valuables. I just have two: my iPhone and MacBook. With the amount I travel, one too many knocks through airport security can be the reason it decides to take an extended ‘nap.’ I use the ‘Qantas’ of travel insurance: World Nomads.

They’re Australian, totally helpful, and donate part of their profits to third world countries.

Insurance is an absolute must-have when you travel. 

Google Flights

Loyal to Skyscanner for years, I’ve recently leaned more on

Google flights give Skyscanner a run for their money. 

A universal adapter

This is one of the very few items I’ve kept in my hand luggage for years. I love the flexibility of knowing I can charge up, within seconds, no matter where I go. Usually, the universal adapters are slightly bulkier than the single country products, but if you’re continent hopscotching, you’ll love it, too.

TSA padlocks and a universal adaptor are a must have. 

TSA padlocks… and the bag upgrade

There’s nothing worse than being frantic in an airport. No matter how organised I am, items like padlock keys just seem to vanish. Switch to backpack. Even when it wasn’t exactly the easiest on my back, I felt connected to a sense of identity… the nomadic backpacker.

But, last year, in celebration of my 30th birthday, 60th country and the emergence of a new title (expat), I decided to leave the memories of backache behind for a gorgeous, statement denim suitcase.

And, oh, did it feel good.

Upgrade your travel bag for extra comfort.

Audible

On those long 10+ hour flights, my trick is to break up the time. I’ll watch a couple of movies for the first three hours, sleep the next chunk, then either write or read for the last leg. This way, I focus only on the three or four hours ahead. Turn off the flight path, as this is as painful as watching paint dry.

When I’m ready to be (slightly) productive or to shift the boredom, I pull out my headphones and open Audible. I’ve pre-downloaded a book in there, so I don’t need WiFi.

While the fun is in the journey, find items, tools and little tricks that’ll offer helpful shortcuts or a welcomed ‘travel companion.’

  What are the essential items you always take when you travel?

The post Essential Tools & Tricks Every Traveller Needs to Know appeared first on Snowys Blog.

[mcjoelcain]

Reflecting On Being A Stay At Home Dad For Two Years: Eight Takeaways

I still remember the day my son was born like it was yesterday. After only about an hour of labor he joined us in this world at 11:58 pm. It was the greatest moment of both our lives.

From that time forward, we pledged to care for him as best we could. In a big way, all the years of saving and investing were to prepare for this moment that we could both be stay at home parents.

As first-time parents, we didn’t know what to expect. So we figured having both of us care for our boy would be the optimal way to go.

Here’s my personal reflection as a stay at home dad for the past two years. I’ve sent this post to his e-mail account for him to read when he’s a little bit older.

Reflecting On Being A Stay At Home Dad For Two Years

1) Losing income is hard, but losing time is harder. Due to being a stay at home dad for two years, I’ve lost out on between $400,000 – $1,000,000 in income. With 18-20 years of experience in finance and online media, getting a $200,000 – $250,000 a year job + restricted stock units is very possible in the SF Bay Area. If I were to go back to banking, my base salary would be $250,000 a year + bonuses equal to 0% – 200% of base salary.

Although losing out on so much income is hard given we now have more expenses taking care of our son, I wouldn’t miss out on the first two years of my son’s life for any amount of money.

You could give me a billion dollars, and if I had to be away from home for 14 hours a day to make that money, I would decline. I’ve spent time with billionaires before, and they are just like you and me, except they fly private everywhere.

Over the past two years, I have witnessed his every milestone: his first smile, his first rollover, his first crawl, his first steps, his first words, and so many more. Each milestone witnessed felt like a blessing. I hope due to all the time both of us have spent with him, we will have an even stronger bond as he grows up.

I’ve gotten to know a couple of nannies over the two years and they have told me how they won’t tell the parents about new milestones so that the parents can think they are first time witnesses.

I knew I could always make more money but I could never create more time with our son.

Related: Career Or Family? You Only Have To “Sacrifice” At Most 5 Years

2) Hardest job in the world without a doubt. For all the stay at home parents out there, I salute you! And for all the single parents out there, you have my deepest admiration.

Working 14 hours a day in banking where there’s constant pressure to produce is a walk in the park in comparison to full-time fatherhood.

With full-time fatherhood, you are on 24/7 due to risk of injury or death by the child. The first year of life is the most fragile, which is why you’re always on high alert for choking, suffocation, tumbles, running into a corner, and so forth.

I kept reading stories about Sudden Infant Death Syndrome (SIDS), which were all so incredibly heartbreaking. For the first year, this paranoia wouldn’t let me sleep uninterrupted for more than 3-4 hours. Back is best and get rid of all the blankets and pillows in the crib please.

Once your child starts to verbalize his or her desires, it’s all about repetition. My son loves garage doors and will say the words “garage door,” “double-wide garage door,” “quadruple wide brown garage door” etc over and over again. He’ll then open and close garage door toys a hundred times in a row. I’ve got to repeat the words and open and close the doors with him. Otherwise, he knows I’m not paying attention.

I’ve also heard whines, screams, and crying 3 – 6X a day for 730+ days in a row. In the beginning, this was quite a shock to the system because we never had any of this since my wife and I started shacking up in 2001. Our boy is a top 1% chatterbox and super determined individual. If he can’t do something or doesn’t get what he wants, he definitely makes himself heard or felt!

Over time, things are getting better as he’s able to verbally communicate his needs and desires. He’s no longer as frustrated because he can tell us he’s tired, thirsty, hungry, sad, and so forth.

And here’s the kicker. My wife did around 70% of the care-taking largely due to nursing needs, and I still felt being a stay at home dad was the hardest thing I’ve ever done. One must develop incredible patience and endurance to survive.

3) Have children and the money will come. Although both my wife and I gave up healthy salaries to raise our boy full-time, we were somehow able to make more money each year after he was born.

When you have a child, your mind and body go into overdrive to try and provide as much care and support as possible. As a result, you gain even more energy to find ways to financially support your family.

In my case, instead of waking up between 5:30 am – 6:15 am to start the day and work on Financial Samurai, I began waking between 3:30 am – 4:30 am to try and get more done before our son would wake up between 7 am – 8 am.

I did not quit because I knew I could not. My family depended on me.

If he has had a particularly poor sleeping night, I would try and take over for a couple hours to allow for my wife to sleep in or decompress. I’d also try to nap as many times as possible during his mid-day nap so that I too could recharge for the afternoon and evening sessions.

After our boy went to bed, usually between 7:30pm-9pm, it was often Netflix, catching up on work stuff I’d postponed during the day, and preparing myself for the next day.

Once he turned 24 months old, our son now has the ability to go from 6:30am – 7:30pm non-stop with no naps several days a week.

Just the other day I took him on a 1 hour 20 minute walk in the morning around our hilly neighborhood. I would have bet anything he’d take a two hour nap after lunch. But he just kept right on going until 8pm!

Overall, we are talking about 4:00am – 10pm days on average with a 45 minute nap in the middle of the day.

As the saying goes, “the days are long and the years are short.”

4) Easy to gain weight and get sick. When all you’re doing is caring for your baby at home, it’s extremely easy to gain weight. I went from around 168 lbs to 173 lbs, even though I was consciously trying not to overeat.

But after about the 18th month, I started losing weight and am back down to about 166 – 169 lbs. The main reason why is because I’ve started to take my boy on almost daily walks. I also went back to playing tennis three days a week.

For men who are looking to have a baby and stay at home, I suggest trying to lose 5 – 10 lbs before your baby is born. That way, you’ll have a 5 – 10 lbs buffer for the inevitability.

Another downer is the increased frequency of getting sick after the first year. Our boy got his first cold at 12 months old. Then he started getting sick about once a quarter as we interacted more with the public.

His sickness spread to us, and we found ourselves frequently battling colds as well. Luckily, neither my wife or have have been sick at the same time.

Ideal healthy weight chart for men

5) Nannies aren’t paying close enough attention. I’m really sad to report this but after spending over 150 sessions in a public setting (park, museum, playground, etc), the vast majority of nannies (90%+) are on their phones the entire time they are supposed to be watching over your child.

Every time I play chase with my boy, there will inevitably be 2-3 kids who will play along because their nannies are not playing with them. I’ve seen countless falls by 11-16-month-olds just learning to walk because their nannies are not paying attention.

I often wonder whether one of the reasons for slow speech development is because the nanny simple does not spend enough time speaking to their child or describing things to the child as they happen. We parents should be verbally describing everything our children are doing and seeing to help them learn. But with nannies, what I’ve observed is largely silence.

If you are having difficulty deciding whether to return to work or staying home to take care of your child, I recommend you chose to stay home if your can afford to. Nobody will care more about your child than you. It’s not even close.

Many of us are addicted to our mobile phones. The nannies I’ve seen take it to the next level. It’s like they’re getting paid for being on the phone!

If you go the nanny route, I would explicitly tell them to stay off their phones during play time. Whether they do so or not is up to them. But at least you’ve voiced your desires and there’s a greater chance your nanny will follow your instructions.

It is completely sad and a wee bit alarming to have a little one come up to me, a stranger, and ask me to play with them because they are being completely ignored.

6) There was no discrimination. You sometimes hear stories about moms excluding dads from conversations or moms whispering mean words about dads being stay at home parents.

Out of all my outings, I have never once been discriminated against or been made to feel embarrassed or bad for being a stay at home parent. None of my friends have taken jabs at me either.

Maybe it’s because I live in San Francisco, where we’re very accepting of people. Maybe it’s because my wife was also with me during most public settings. Or maybe it’s because I’m a proud dad who is more impervious to the disapproval of others.

Don’t let our insecurities run amuck.

Once I went with a moms group walk around Golden Gate Park and we decided to take a break under a large tree. All the moms started to breastfeed their children, but only one had a shawl. It frankly felt weird to be around the group, so I decided to take a short walk instead.

For all the stay at home dads out there who would rather say you retired early, are a freelancer or entrepreneur, you don’t have to be ashamed that your wife or partner is bringing home the bacon.

Embrace your occupation as a stay at home dad. It is the most important job in the world!

7) Wish I started sooner. I find that men are a little to relaxed about when to have children because we don’t have the same biological deadline as women do. We like to avoid the subject for as long as possible. But this is not fair to women who want to have children. Have a mature discussion early in your relationship.

Physically, I’m still holding up pretty well. But I’m definitely not as limber as I used to be and it takes me longer to recover from a cold or a sports injury. After about age 45, I’m not sure if my body would be able to handle all the necessary bending over and carrying any more.

Having one kid makes me want to have a second. Therefore, it’s good to plan as much as possible. Even if you plan, it might take longer than expected to have a child.

If you know you want to have children, it’s better to have them sooner rather than later. Not only will your body be able to better handle childcare, but your kids might also be able to spend more time with their aging grandparents.

See: When Is The Best Time To Have A Baby

8) You never feel like you’re doing enough. I’m constantly in awe of my wife because of her patience, kindness, and ability to naturally feed our boy when he was a baby.

As a stay at home dad, my son and I have a close connection, but it’s not as close as the connection he has with his mom. As a result, I used to feel a little sad when he cried out for mommy while I was right there playing with him.

What am I, chop liver or something? I’d sometimes think to myself.

Because I’m unable to nurse our boy, I try to make up for my deficiency in other ways: cleaning, driving, grocery shopping, playing, washing dishes, ordering food and so forth. I’d throw myself deep into my work in order to feel the power of being a provider.

Slowly, I’m starting to feel more worthy of being a father. As he gets older I hope all he’ll want to do is play with his old man. It’s just such a weird feeling to never feel like you’re doing enough no matter how hard you try.

Proud To Be A SAHD

After two years of being a stay at home dad, I’m firmly on the side of the rest of the world that provides 6 – 12 months of parental leave after having a baby.

For a woman to return to work within three months seems cruel, especially if a C-section is involved. All a baby wants to do at that age is be with his or her parents.

One doctor said it best, “Nine months to create, nine months to heal.” If male managers and CEOs were at home every day helping their wives recover, they would be more empathetic as well.

Unfortunately, companies aren’t in the business of subsidizing our personal life decisions regarding having children. My hope is that American institutions will soon start to offer some type of token paid parental time off for at least the first child.

At the end of the day, I know my wife and I have tried our very best to raise him so far. Looking back, the two years went by quickly. Looking forward, I’m hoping for many more wonderful experiences.

Are there any stay at home dads out there who would like to share what it was like for you? Stay at home moms feel free to share your thoughts and also how your husband or partner has helped or how we dads can do more.

The post Reflecting On Being A Stay At Home Dad For Two Years: Eight Takeaways appeared first on Financial Samurai.

from Money https://www.financialsamurai.com/eight-takeaways-on-being-a-stay-at-home-dad-for-two-years/ via http://www.rssmix.com/

[ronaldmrashid]

Reflecting On Being A Stay At Home Dad For Two Years: Eight Takeaways

I still remember the day my son was born like it was yesterday. After only about an hour of labor he joined us in this world at 11:58 pm. It was the greatest moment of both our lives.

From that time forward, we pledged to care for him as best we could. In a big way, all the years of saving and investing were to prepare for this moment that we could both be stay at home parents.

As first-time parents, we didn’t know what to expect. So we figured having both of us care for our boy would be the optimal way to go.

Here’s my personal reflection as a stay at home dad for the past two years. I’ve sent this post to his e-mail account for him to read when he’s a little bit older.

Reflecting On Being A Stay At Home Dad For Two Years

1) Losing income is hard, but losing time is harder. Due to being a stay at home dad for two years, I’ve lost out on between $400,000 – $1,000,000 in income. With 18-20 years of experience in finance and online media, getting a $200,000 – $250,000 a year job + restricted stock units is very possible in the SF Bay Area. If I were to go back to banking, my base salary would be $250,000 a year + bonuses equal to 0% – 200% of base salary.

Although losing out on so much income is hard given we now have more expenses taking care of our son, I wouldn’t miss out on the first two years of my son’s life for any amount of money.

You could give me a billion dollars, and if I had to be away from home for 14 hours a day to make that money, I would decline. I’ve spent time with billionaires before, and they are just like you and me, except they fly private everywhere.

Over the past two years, I have witnessed his every milestone: his first smile, his first rollover, his first crawl, his first steps, his first words, and so many more. Each milestone witnessed felt like a blessing. I hope due to all the time both of us have spent with him, we will have an even stronger bond as he grows up.

I know I would have regretted pursuing more money over time with my son. The guilt would have consumed me.

I’ve gotten to know a couple of nannies over the two years and they have told me how they won’t tell the parents about new milestones so that the parents can think they are first time witnesses.

I knew I could always make more money but I could never create more time with our son.

Related: Career Or Family? You Only Have To “Sacrifice” At Most 5 Years

2) Hardest job in the world without a doubt. For all the stay at home parents out there, I salute you! And for all the single parents out there, you have my deepest admiration.

Working 14 hours a day in banking where there’s constant pressure to produce is a walk in the park in comparison to full-time fatherhood.

With full-time fatherhood, you are on 24/7 due to risk of injury or death by the child. The first year of life is the most fragile, which is why you’re always on high alert for choking, suffocation, tumbles, running into a corner, and so forth.

I kept reading stories about Sudden Infant Death Syndrome (SIDS), which were all so incredibly heartbreaking. For the first year, this paranoia wouldn’t let me sleep uninterrupted for more than 3-4 hours. Back is best and get rid of all the blankets and pillows in the crib please.

Once your child starts to verbalize his or her desires, it’s all about repetition. My son loves garage doors and will say the words “garage door,” “double-wide garage door,” “quadruple wide brown garage door” etc over and over again. He’ll then open and close garage door toys a hundred times in a row. I’ve got to repeat the words and open and close the doors with him. Otherwise, he knows I’m not paying attention.

I’ve also heard whines, screams, and crying 3 – 6X a day for 730+ days in a row. In the beginning, this was quite a shock to the system because we never had any of this since my wife and I started shacking up in 2001. Our boy is a top 1% chatterbox and super determined individual. If he can’t do something or doesn’t get what he wants, he definitely makes himself heard or felt!

Over time, things are getting better as he’s able to verbally communicate his needs and desires. He’s no longer as frustrated because he can tell us he’s tired, thirsty, hungry, sad, and so forth.

And here’s the kicker. My wife did around 70% of the care-taking largely due to nursing needs, and I still felt being a stay at home dad was the hardest thing I’ve ever done. One must develop incredible patience and endurance to survive.

3) Have children and the money will come. Although both my wife and I gave up healthy salaries to raise our boy full-time, we were somehow able to make more money each year after he was born.

When you have a child, your mind and body go into overdrive to try and provide as much care and support as possible. As a result, you gain even more energy to find ways to financially support your family.

In my case, instead of waking up between 5:30 am – 6:15 am to start the day and work on Financial Samurai, I began waking between 3:30 am – 4:30 am to try and get more done before our son would wake up between 7 am – 8 am.

I did not quit because I knew I could not. My family depended on me.

If he has had a particularly poor sleeping night, I would try and take over for a couple hours to allow for my wife to sleep in or decompress. I’d also try to nap as many times as possible during his mid-day nap so that I too could recharge for the afternoon and evening sessions.

After our boy went to bed, usually between 7:30pm-9pm, it was often Netflix, catching up on work stuff I’d postponed during the day, and preparing myself for the next day.

Once he turned 24 months old, our son now has the ability to go from 6:30am – 7:30pm non-stop with no naps several days a week.

Just the other day I took him on a 1 hour 20 minute walk in the morning around our hilly neighborhood. I would have bet anything he’d take a two hour nap after lunch. But he just kept right on going until 8pm!

Overall, we are talking about 4:00am – 10pm days on average with a 45 minute nap in the middle of the day.

As the saying goes, “the days are long and the years are short.”

4) Easy to gain weight and get sick. When all you’re doing is caring for your baby at home, it’s extremely easy to gain weight. I went from around 168 lbs to 173 lbs, even though I was consciously trying not to overeat.

But after about the 18th month, I started losing weight and am back down to about 166 – 169 lbs. The main reason why is because I’ve started to take my boy on almost daily walks. I also went back to playing tennis three days a week.

For men who are looking to have a baby and stay at home, I suggest trying to lose 5 – 10 lbs before your baby is born. That way, you’ll have a 5 – 10 lbs buffer for the inevitability.

Another downer is the increased frequency of getting sick after the first year. Our boy got his first cold at 12 months old. Then he started getting sick about once a quarter as we interacted more with the public.

His sickness spread to us, and we found ourselves frequently battling colds as well. Luckily, neither my wife or have have been sick at the same time.

Ideal Weight Chart For Men

5) Nannies aren’t paying close enough attention. I’m really sad to report this but after spending over 150 sessions in a public setting (park, museum, playground, etc), the vast majority of nannies (90%+) are on their phones the entire time they are supposed to be watching over your child.

Every time I play chase with my boy, there will inevitably be 2-3 kids who will play along because their nannies are not playing with them. I’ve seen countless falls by 11-16-month-olds just learning to walk because their nannies are not paying attention.

I often wonder whether one of the reasons for slow speech development is because the nanny simple does not spend enough time speaking to their child or describing things to the child as they happen. We parents should be verbally describing everything our children are doing and seeing to help them learn. But with nannies, what I’ve observed is largely silence.

If you are having difficulty deciding whether to return to work or staying home to take care of your child, I recommend you chose to stay home if your can afford to. Nobody will care more about your child than you. It’s not even close.

Many of us are addicted to our mobile phones. The nannies I’ve seen take it to the next level. It’s like they’re getting paid for being on the phone!

If you go the nanny route, I would explicitly tell them to stay off their phones during play time. Whether they do so or not is up to them. But at least you’ve voiced your desires and there’s a greater chance your nanny will follow your instructions.

It is completely sad and a wee bit alarming to have a little one come up to me, a stranger, and ask me to play with them because they are being completely ignored.

6) There was no discrimination. You sometimes hear stories about moms excluding dads from conversations or moms whispering mean words about dads being stay at home parents.

Out of all my outings, I have never once been discriminated against or been made to feel embarrassed or bad for being a stay at home parent. None of my friends have taken jabs at me either.

Maybe it’s because I live in San Francisco, where we’re very accepting of people. Maybe it’s because my wife was also with me during most public settings. Or maybe it’s because I’m a proud dad who is more impervious to the disapproval of others.

Don’t let our insecurities run amuck.

Once I went with a moms group walk around Golden Gate Park and we decided to take a break under a large tree. All the moms started to breastfeed their children, but only one had a shawl. It frankly felt weird to be around the group, so I decided to take a short walk instead.

For all the stay at home dads out there who would rather say you retired early, are a freelancer or entrepreneur, you don’t have to be ashamed that your wife or partner is bringing home the bacon.

Embrace your occupation as a stay at home dad. It is the most important job in the world!

7) Wish I started sooner. I find that men are a little to relaxed about when to have children because we don’t have the same biological deadline as women do. We like to avoid the subject for as long as possible. But this is not fair to women who want to have children. Have a mature discussion early in your relationship.

Physically, I’m still holding up pretty well. But I’m definitely not as limber as I used to be and it takes me longer to recover from a cold or a sports injury. After about age 45, I’m not sure if my body would be able to handle all the necessary bending over and carrying any more.

Having one kid makes me want to have a second. Therefore, it’s good to plan as much as possible. Even if you plan, it might take longer than expected to have a child.

If you know you want to have children, it’s better to have them sooner rather than later. Not only will your body be able to better handle childcare, but your kids might also be able to spend more time with their aging grandparents.

See: When Is The Best Time To Have A Baby

8) You never feel like you’re doing enough. I’m constantly in awe of my wife because of her patience, kindness, and ability to naturally feed our boy when he was a baby.

As a stay at home dad, my son and I have a close connection, but it’s not as close as the connection he has with his mom. As a result, I used to feel a little sad when he cried out for mommy while I was right there playing with him.

What am I, chop liver or something? I’d sometimes think to myself.

Because I’m unable to nurse our boy, I try to make up for my deficiency in other ways: cleaning, driving, grocery shopping, playing, washing dishes, ordering food and so forth. I’d throw myself deep into my work in order to feel the power of being a provider.

Slowly, I’m starting to feel more worthy of being a father. As he gets older I hope all he’ll want to do is play with his old man. It’s just such a weird feeling to never feel like you’re doing enough no matter how hard you try.

Proud To Be A SAHD

After two years of being a stay at home dad, I’m firmly on the side of the rest of the world that provides 6 – 12 months of parental leave after having a baby.

For a woman to return to work within three months seems cruel, especially if a C-section is involved. All a baby wants to do at that age is be with his or her parents.

One doctor said it best, “Nine months to create, nine months to heal.“

Unfortunately, companies aren’t in the business of subsidizing our personal life decisions regarding having children. My hope is that American institutions will soon start to offer some type of token paid parental time off for at least the first child.

At the end of the day, I know my wife and I have tried our very best to raise him so far. Looking back, the two years went by quickly. Looking forward, I’m hoping for many more wonderful experiences.

Are there any stay at home dads out there who would like to share what it was like for you? Stay at home moms feel free to share your thoughts and also how your husband or partner has helped or how we dads can do more.

The post Reflecting On Being A Stay At Home Dad For Two Years: Eight Takeaways appeared first on Financial Samurai.

from https://www.financialsamurai.com/eight-takeaways-on-being-a-stay-at-home-dad-for-two-years/

[earnmoneyonline19-blog]

31 Creative Ways to Make Money Fast

Regardless of whether it’s the end of the month and you’re short in rent cash or you’re just looking to make a tiny extra spending money for the weekend, sometimes all we need are generally easy ways to make money fast (and preferably something you could start today).

If you need to know how to make 100 dollars in a day (or maybe even earn 200 dollars in one day) you ought to be able to find a few options on this list that you can do to pull that off. On the other hand, if you’re in debt and need 2, 000 money fast, this list probably isn’t for you – yet fortunately $100 and maybe even $200 in a couple of days certainly is not totally out of the question. 31 Best Ways to Make Money Fast

The best way to commence Earn Money Online 2019 fast is to get some quick wins. Here are a few suggestions to get you started: 1 . Take Paid Surveys

Websites like Review Junkie will pay you a decent chunk of change for the low-maintenance, termes conseillés mindless task of completing surveys. Companies want to realize consumers better, and one way they do that is by paying survey-takers. Most surveys pay between $0. 50 in addition to $1. 25, and many of them take less than 5 minutes to accomplish. You can read our full Survey Junkie review for more info. Questionnaire Junkie adds new surveys every day, which means you can make income faster than you think. If you’re really into surveys, make sure you check out our list of recommended paid survey sites. 2 . not Deliver with Postmates

Postmates’ slogan is simple: “Anything, whenever, anywhere. We get it. ” As a delivery driver meant for Postmates, you’ll get paid to deliver things like groceries, take out, and also alcohol (which is a genius business idea, by the way). There are no fees or time commitments, so you have got complete freedom over when you want to work. You’ll take home fully of what you earn every time you complete a delivery, and you will be able to see an exact breakdown of how your commissions usually are calculated. 3. Get $5 from Swagbucks

Swagbucks can be another great survey site to make money fast. It’s just like Survey Junkie, but there are also a few other ways you can earn money as being a member (including a $5 bonus just for signing up). Other ways you can earn with Swagbucks outside of surveys: Cash back plan for internet shopping (includes $5 bonus). Get paid for browsing the web (includes $5 bonus)

Watching videos (includes $5 bonus)

4. Get a Free $300 Bonus as a Fresh Lyft Driver

If you’ve got some free time plus don’t live in the middle of nowhere, becoming a Lyft driver can be quite a very lucrative side hustle that allows you Earn Money Online 2019 quickly. And right now, they’ve got a promotion going on where any fresh driver will instantly get a $300 bonus after completing their particular 100th ride. If you start now and hustle hard on the particular weekends, you can probably unlock that bonus within a weeks of driving (and that’s in addition to your normal earnings). 5. Download the Nielsen App (and Collect $50)

Have you heard of Nielsen, the company that tracks TV scores? Turns out they collect data on a lot more than just TV SET. One area they’re really into is internet usage analysis. What does that mean for you? It means Nielsen will pay you fifty dollars a year to keep their app on your favorite internet exploring device. The app itself collects statistics on your net usage anonymously, so you never have to worry about any data getting linked to you. And the best part is, the app consumes barely any space and doesn’t slow down your telephone or tablet at all! 6. Link a Card for you to DOSH and Get a Free $5 Instantly

The DOSH a cash return app has been creating a ton of buzz on social media marketing lately, and for good reason: they are offering free money to draw new users. Here’s how it works: Download the software package and connect your credit and debit cards (they make use of bank-level encryption technology to keep your info safe) Accumulate cashback Deposit your cash back into your bank account Perks of DOSH: Just about all rewards are pure cash. You get $5 when you url your first card, and an additional $10 for each friend anyone refer to the app. Get a few family and friends to sign up as well as the money adds up quick! (Note: The $10 referral added bonus varies. Sometimes it’s only $5, but we’ve noticed it as high as $15 per referral).

7. Make Rewards Easily with the Drop App

Drop is a free of charge app that rewards you for your everyday spending. Just how it works is simple. Once you download the app and create a merchant account, you’ll need to link a debit or credit card to start out earning. Whenever you shop with one of Drop’s hundreds of lover brands, you’ll earn points. In addition to the points you make for shopping, you can earn more rewards for completing straightforward tasks. Every friend you refer is worth 1, 000 points. You can also earn additional points for integrating additional apps or completing a Linked or Mobile offer you. Every 1, 000 points is worth $1. Once you have earned 5, 000 points, you can redeem them with regard to gift cards to your favorite places such as Amazon, Starbucks, Concentrate on, and more. For more details on how to earn with Drop, have a look at our complete Drop App review. 8. Let Reduce Lower Your Bills

I recently stumbled on the Trim app and i also have to say, this one is a game changer. It’s a very simple app that acts as your own personal financial manager. Once you web page link your bank to the app, Trim analyzes your wasting, finds subscriptions you need to cancel, negotiates your Comcast costs, finds you better car insurance, and more. And of course, the app will be free! My bet is that it will only take a few days regarding Trim to put an extra $100 in your pocket. So easy! 9. Get a Free $5 to Invest from Acorns

five money signup bonusAcorns is a simple investing app that helps you increase your savings by putting your money into investments designed to develop value over time. If you are new to investing and want to get your foot wet, this is a great app to start with. Acorns works by “rounding up” the spare change from your everyday purchases and investment the difference in the stock market. For example , if you buy a coffee intended for $3. 64, Acorns will move 36 cents as part of your investment account (so you spend $4 total). Over time, these kinds of small contributions can add up. Acorns is now offering some sort of $5 signup bonus for new accounts opened. After completing your own personal account registration, Acorns will deposit a free $5 into the account to help you get started. Read our full review here. 10. Cryptocurrency – At Your Own Risk!

Surely you have read all the mania surrounding Bitcoin and other cryptocurrencies. If you are looking to have in on the action, you can do it with the Coinbase request. If you sign up through this link and invest $22.99, Coinbase will deposit $10 into your account — immediately 10% return! Warning: Trading cryptocurrencies is very risky, and you ought to never invest more than you can afford to lose. That being said, you possibly can make a lot of money fast if you buy low and sell high. 11. Locate Unclaimed Money

Unclaimed. org is an awesome site to get finding money that’s due to you that you may have forgotten concerning. Examples: A utility deposit on an account you had forever before, money left in a bank account you had as a kid, or even a check from a former employer.

12. Go walking Dogs in Your Neighborhood

Rover is a dog walking and even pet sitting website that is always looking for qualified doggy walkers in cities all over the United States. So when you in order to pup on a walk, you can also take a second (or third) dog with you and get paid to walk. 30-minute taking walks fall in the $10-30 range. With a neighborhood route, that will add up quickly! You’re just a short application away from starting. 13. Drive with Uber and/or Lyft

This is a excellent use of your time if you are trying to make some extra cash in a saturday and sunday. By driving with Uber, you have the flexibility to drive if you want, which means you can make money fast, and it’s in your schedule. Pretty slick! 14. Get Paid to Let People Borrow Your Car

If you do not have time to drive with Uber or Lyft, you can continue to make money with your car with Getaround. In fact , some people are converting this side gig into $1, 000s of cash per year in extra income. As a car owner, you can make $5+ on a daily basis just by letting someone else borrow your car. Getaround offers $1 million primary insurance coverage, so you don’t have to worry about possible injuries. Signing up for Getaround is pretty straightforward. Name your car, set the and pickup location, and add a description. When someone would like to rent your car, they can do so straight from the app. An individual don’t have to worry about meeting up to exchange keys or managing the logistics. Just work, sleep, and live your life although your car earns money for you. Learn how you can potentially constitute to $1, 000 per month (or more) with Getaround. Car owners get paid on the 15th for the prior month’s earnings. Register here to get started. 15. Share Your Home by having an Airbnb Guest

Make the most of your spare space by position it for short term rentals with Airbnb. If you know the way to be an Airbnb host that wows their friends, you have an amazing opportunity to make money fast. By creating a amazing experience for your guests, you’re setting yourself up for fantastic reviews and lots of repeat guests. Check out our complete guidebook on getting started as an Airbnb host. 16. Deliver Foods with Uber Eats

Tons of folks nowadays have started out delivering food with Uber Eats because it’s is actually a flexible, easy way to earn money on your own schedule. You can supply day or night, for however long you’d just like. You just sign onto the app, and you can start obtaining delivery requests in your area. 17. Make $100 Fast using Listverse

Do you love to write? Listverse, a popular site offering tons of list articles, will pay you $100 to write a new “listicle” of your own. You don’t need to be an expert—you simply need to have English equal to that of a native speaker, a feeling of humor, and a love for things unusual or exciting. 18. Be a Personal Grocery Shopper with Instacart

Seen of Instacart? It’s a grocery delivery service for people who rarely want to bother with the hassle of going to the store. What does which means that for you? An opportunity to make extra money! It works in a similar way to Best Eats, in that whenever you need to make money, you simply sign to the app and mark yourself as available for shopping. As a possible Instacart personal grocery shopper, you will actually be doing the trips to market yourself (so don’t crush anyone’s avocados! ). Your current compensation depends on several factors, like the average size of your personal orders and average number of miles driven per vacation. You can also get tips in addition to the pay that will come directly from Instacart (most people report an average earnings level of $15 per hour). 5 Ways to Passively Earn passive income

Once you get a bit of cash on hand, let it grow itself with these ways to passively earn additional income. 19. Wide open a High-Yield Savings Account

CIT Bank is making significant waves in the banking world with their savings account. Seriously, it may be off-the-charts good: 20. Peer to Peer Lending

Have you heard regarding peer-to-peer lending? It’s a financial system that matches borrower having investors that are willing to fund their loans. As an buyer, essentially YOU are acting as the bank, which is pretty cool. Using a service like Lending Club is a great way to behave as a lender and earn interest on your money. Making Money with Lending Club: Open an account and exchange as little as a $0. 01 minimum initial deposit. Quickly build a portfolio by investing in a range of Loans in augmentations as little as $25 Receive monthly payments of principal and curiosity as borrowers repay their loans Reinvest payments or perhaps withdraw If you’re still unsure about how it works, or you need to learn a little more, check out this short, 2-minute video shot simply by Lending Club. It does a great job of explaining peer to see lending. 21. Invest in Real Estate (Starting with as Little as $500)

If you’ve ever wanted to try real estate investing but don’t would like to deal with all the stress of being a landlord, you might want to take into account investing with Fundrise. Fundrise is a new platform lets you invest directly in a real estate portfolio that a team of execs identifies, acquires, and manages on your behalf. With a starting purchase as small as $500, you get exposure to dozens of solid, value-producing property. 22. Start a Blog

I’m a huge fan of blog because I love writing and connecting with people all over the world. To offer you an idea of what is possible with blogging, DollarSprout. com is part of a group of blogs that routinely brings in above $100, 000 a month in revenue. While it takes time to create your blog up to that income level, you can get the initial create done in under 30 minutes (no experience needed). 23. Acquire Dividend Paying Stocks

It’s been said that the average uniform has seven streams of income. Dividend stocks are generally one of them. What are dividend stocks? They are just like regular stock shares of stock, but with one exception: For every share of your dividend stock that you own, you are paid a small portion of the company’s earnings. Basically, you get paid just for owning the inventory! If you are looking to get started with dividend investing, check out Ally Spend (which is included on our list of best investment apps). 6th Creative Ways to Make Money Fast

If you’ve made it this specific far, I know you’re committed! Here are a few more ideas how make money fast. 24. Collect $1 coming from Vindale Research

Vindale Research asks for information about you in order to match you with fitting surveys. At up to 50 bucks a pop for some surveys, and a free $1 simply for signing up, it pays to check in daily to see which ones can be obtained to you. Cashouts are through PayPal. 25. Collect $12 from Ebates

Ebates is another cash back app, similar to DOSH, and right now they are offering a $10 signup extra. There’s no rule saying you can’t have multiple cash rebates apps, so why not sign up for a couple just so you get the additional bonuses? Once you get your bonuses, then just use whichever practical application gets you the best deal on your upcoming purchases. Easiest capital ever! 26. Tell 3 Friends About Ibotta and create $100

The cash back industry is ruthlessly competitive, isnt it!? All of these apps want new users, which means you can easily load up on welcome bonuses. The Ibotta app is a opportunity to get a bonus: they are giving people $10 whenever they sign up. Unlike the other apps mentioned in this article, Ibotta focuses primarily on getting you cash back at grocery stores. Bonus: Refer several users and they’ll credit you with $100. 00. After that, get $10 for every person you refer. 27. Help to make Extra Money as a Freelance Writer

Not quite ready to start your own personal blog, but still like the idea of getting paid to write? You might like to consider trying your hand at freelance writing. Many blog writers and website owners are willing to shell out some serious cash pertaining to high quality writers. In fact , Holly Johnson from ClubThrifty. com makes over $200, 000 per year from freelance perform! And she has a course that teaches others how to the actual same. 28. Get Paid as a Freelance Proofreader

If creating isn’t your thing, do what Caitlin Pyle did: Inside 2014, Caitlin made over $43, 000 by functioning as a freelance proofreader working only part time. After the woman had a ton of success doing that, she decided this girl wanted to teach others how to do the same, so your woman started up Proofread Anywhere. Sign up for one of her free training courses to learn more about how to make money fast from home as a proofreader. three or more Ways Make More Money at Your Job No guide on how to generate profits fast would be complete without mentioning the fastest option of just about all: getting more money from your employer! 29. Get a Promotion

Should you be willing to go above and beyond and prove your value to your employer, you can move up the corporate ladder. Check out this article from The Equilibrium on how to get promoted at work.

30. Get a Pay Boost

Getting a raise is harder than getting a promotion. Think it over from your boss’s perspective, would you rather a) pay more revenue for the same service, or b) pay more money for additional obligations. Regardless, sometimes a raise is in order, especially if you been employed by for several years without one.

31. Work Overtime

It’s certainly not glamorous. But at a lot of jobs, the opportunity is there to help rack up some overtime hours. Earning More Money Means Possessing More Freedom No matter what your circumstances may be right now, remember a very important factor: earning more money means having more freedom in your life. Flexibility to eat what you want to eat, live where you want to live, vacation where you want them vacation, and more. Making extra money starts with a simple selection: Do you want to have more freedom in your life? If the answer is of course, it’s time to go for it. You may have to try more than one money-making thought before you find one that sticks, but I promise you actually, once your income starts to rise, you will gain control of your wellbeing and find even more opportunity than you could ever imagine!

[cladeymoore]

What happened in crypto over the last decade

It was December of 2010 when I first read the Bitcoin whitepaper, while at home visiting my parents for the holidays.

As we wrap up the decade, here are my quick thoughts on how things have progressed.

Note: this post is inspired by Fred Wilson’s post for tech more broadly. Tomorrow I’ll post a follow up on what I see happening in crypto in the decade to come.

Bitcoin did not fail (as many predicted) It’s easy to forget, but throughout much of the decade, it was a frequently debated question about whether Bitcoin would even survive. Maybe a flaw would be found in the protocol, maybe it would be outlawed, or maybe it would all go to zero since it had no intrinsic value (of course, we crypto folks were quick to point out that the dollar isn’t backed by anything either). There were over 379 articles written, prematurely declaring the end of Bitcoin. Not only did Bitcoin survive, it thrived, becoming the top performing asset of the decade. The naysayers were proved wrong and we learned an important lesson about human nature: most big breakthroughs are contrarian ideas that people dismiss and ridicule at the start.

Coinbase did not fail (as many predicted) When I was thinking about starting Coinbase, a few people told me I was crazy to try creating a custodial crypto wallet and exchange. The best hackers in the world were trying to break into crypto exchanges, and MtGox along with many others had suffered breaches. Through a combination of luck and skill, Coinbase managed to weather the barrage of attacks, and created many novel methods of key storage which improved with every passing year. We made cryptocurrency easier to use in the process and introduced tens of millions of new people to this new technology. This allowed us to build a cash flow positive company with 800 employees, weather the ups and downs of the crypto markets, and continue to invest in new products to help the ecosystem grow. For people who want to store their own keys, we even launched Coinbase Wallet as a non-custodial wallet as well, continuing to focus on trust and ease of use.

Factions and civil war For a new industry, there was a lot of infighting as protocol changes were debated and new coins were launched (via fork, or entirely new projects). Many groups became radicalized, and splintered off into their own echo chamber. I believe what made this more vitriolic than other technology debates I’ve seen (emacs vs vim, iOS vs Android, etc) is that once people own a particular coin they have an inherent conflict of interest and emotions take over. We stop trying to seek the truth, and start talking our own book. On the plus side, having a number of competing groups drove a lot of innovation vs having a monoculture or a one coin monopoly. The race is still very much on to see which blockchains will reach the next 100M or 1B users, and I would expect cryptocurrency to eventually see some consolidation, following a similar path to other industries.

Bubbles (and crashes) The industry went through a period of five bubbles, followed each time by a crash (settling at a higher point than the previous low). In other words, the industry kept growing in an upward channel, but it was a very bumpy ride. This meant that a lot of the discussion and media attention was on the price of crypto, and the day trading attracted short term thinking that bordered at times on gambling. At the same time, investors who took a long term approach (for example, by dollar cost averaging into a position over multiple years) saw incredible returns. Bitcoin was the highest performing asset of the decade, beating out even the top unicorns, growing to more than $100B in market cap. By the end of the decade, it became common place for astute investors to hold 1–10% of their net worth in cryptocurrency, as part of a diversified portfolio.

Apps took longer than we thought When I first read about Bitcoin, I figured what it would be no more than five years before we started to see real world utility take off (after the initial investment/speculation phase). Dapps started off seeing little initial usage, outside of small exceptions like CryptoKitties, until just the last year or so with Defi starting to really grow. This was primarily due to scalability issues, volatility, scripting language limitations of the blockchains, and usability issues with the consumer products. Defi seems to be one use case that has worked, even at the limited scale of today’s blockchains, because borrowing and lending requires lower transaction throughput versus say a game or social network. In terms of merchant acceptance, Coinbase made major investments here, along with BitPay, signing up merchants like Overstock.com, Dell, Expedia, Microsoft, Reddit, and Wikipedia. But the actual volume started off much smaller than many merchants imagined (it has continued to steadily grow each year though). This meant that trading and speculation were the predominant use case for crypto in the past decade, and the utility phase took longer than many expected.

ICOs We saw how much latent demand there was for startups to raise money from unaccredited investors when the Initial Coin Offering boom kicked off. All the previous crowd-funding records were obliterated, and now 8 out of the top 10 largest crowdfunding projects of all time are crypto related. The ICO trend attracted the ire and attention of the SEC, who slowly but surely started making enforcement actions in the space. A debate raged on about which crypto tokens were securities, and which weren’t. Organizations like the CryptoRatingCouncil (CRC) came out, with industry participation, to start to provide clarity. Finally, as often happens with startups that raise too much money, it can actually harm the company. Many ICO projects failed to ship real world products while sitting on huge piles of cash (some of them began to resemble investment firms over time, rather than real product companies).

Exchanges captured most of the value Perhaps with the exceptions of the protocols themselves, the best business models in the past decade in crypto tended to be exchanges and brokerages who sold shovels during the gold rush to trade this new asset class. Some crypto miners had decent outcomes as well, but the volatility of crypto prices made it very difficult for them to survive the whims of the market. A large number of high quality teams and startups entered the space in the past few years, and there is a lot of venture capital money still flowing into crypto startups (our own small fund, Coinbase Ventures, has invested in 60 crypto startups in the last few years, for instance).

Stablecoins One of the challenges holding crypto adoption back (in addition to scalability and usability) was volatility. While volatility is great for investors/speculators, it isn’t great for people who want to use it as a medium of exchange. Bitcoin volatility has trended down over time, which is a promising long term trend, but it seems people want stable cryptocurrencies sooner. Stablecoins saw a lot of adoption in the past few years. In part, this allowed the “blockchain not bitcoin” mindset that is more common amongst banks and governments, to find an outlet, with everyone from JPMorgan to China announcing efforts to launch stablecoins. It also allowed questionable stablecoins like Tether to provide trading pairs on exchanges without fiat rails, and crypto backed stablecoins like Dai to see increased adoption. Facebook’s Libra sparked the ire of just about everyone in DC, but with China doubling down on its efforts to digitize the Yuan and invest blockchain technology, the U.S. was caught flat footed and is scrambling to come up with their own approach to digitize the dollar. USD Coin, created by the CENTRE consortium, which is backed one-to-one by a dollar in a U.S. bank account, has grown to become the second largest stablecoin (after Tether) and I believe is likely to see increased adoption in the U.S.

Institutions Crypto started the decade with purely retail activity amongst hobbyists and early adopters, but by the end of the decade there was a clear trend of institutions starting to come on board. Not necessarily the large traditional institutions, although they all seem to have teams who are exploring it, but hundreds of smaller crypto forward institutions. A couple hundred “crypto funds” were created (fun fact: the big three, Paradigm, Polychain, and A16Z Crypto, were all founded by former Coinbase employees or board members). We also saw hundreds of institutional clients onboard to Coinbase Custody, which grew from $0 to $7B AUM in the last 18 months, making it the largest crypto custodian in the world for institutions.

Regulation The decade started off with cryptocurrency being totally unregulated. Coinbase was (as far as I know) the first crypto company to really take regulation seriously because we felt it would increase adoption long term. We started applying for money transmitter licenses in the U.S. starting around 2013. From there, we got an eMoney license in Europe, the Bitlicense in NY, registered as an MSB with FinCEN, and started pursuing additional licenses with other agencies. We have interactions with multiple regulators, all over the world, every week at this point, seeking to be an educational resource. At the close of this decade, I can confidently say that that cryptocurrency is a regulated industry (at least in first world countries), although it will continue to evolve rapidly. During this past decade, there was a big open question about whether crypto would be regulated as a currency, commodity, security, property, or something else entirely. As various times, the IRS, SEC, CFTC, NYDFS, FinCEN, and others all put out guidance (and this was just in the U.S.). Regulators in Singapore, Switzerland, and the Caymans all became quite sophisticated on crypto, and started to attract great startups to incorporate there. As it turned out, there was no one solution to how cryptocurrency was going to be regulated, because there were so many different types of cryptocurrencies! At some point, everyone realized we were recreating just about every portion of the existing financial system, and this would require many different types of regulators. At the same time, the more decentralized aspects of cryptocurrency have continued to evolve quickly, with non-custodial wallets, DEXes, Defi, and dapps seeing increased usage. While exchanges with fiat rails and custodial wallets will likely be regulated similar to traditional financial system, the more decentralized aspects of cryptocurrency will likely require a totally new regulatory framework (ideally with much less regulation overall that will lead to increased innovation).

Overall, being in the crypto industry was a hell of a ride in the past decade. There were a number of ups and downs, and it was a very volatile industry to manage through. I’m really proud that Coinbase has stayed financially healthy during this period, growing to more than 800 employees, and has helped build the infrastructure to enable the industry to keep growing. We’ve continued to focus on trust and ease of use with all of our products, believing this will help bring in the next 100M and then 1B users to cryptocurrency. We could not have done it without the help of our incredible employees, board, and investors who poured their heart into making it happen.

Tomorrow, I’ll make a post looking ahead to what we can expect in crypto in the decade to come.

What happened in crypto over the last decade was originally published in The Coinbase Blog on Medium, where people are continuing the conversation by highlighting and responding to this story.

from Money 101 https://blog.coinbase.com/what-happened-in-crypto-over-the-last-decade-ee6a2552d630?source=rss----c114225aeaf7---4 via http://www.rssmix.com/

[panamagreg]

We cannot detail our adventure without a brief prologue…Our adventure was to begin on August 19th. We did everything right and had perfect instructions for our journey. Step 1 was to go to the Banco National and pay the exit tax. Due to past corruption in the government here, these taxes are paid directly to the government bank account and you take the receipt to Adunas (Customs). There they process paperwork to allow you to drive your personal vehicle across the border. We paid the .50 cent exit tax a couple of days before and made multiple copies of every document that would be required. We left early and drove just over 6 hours to David where we would go to Aduanas for the document needed to cross into Costa Rica. We waited for an agent to come back from lunch and were told that due to a computer problem we would have to come back in 5 days. With no other option we turned around and went back home. Investigation told us that the only other Adunas office is in Panama City so we made the decision to go there to get the document before driving back to the border. This would delay our trip to the first of September due to other things on our schedule.

Aduanas (Panama Customs)

We are often asked what we do to stay busy during retirement. To be honest, we never have trouble staying busy. We are active in our church, do some volunteer work, relax at the pool, read, and spend time with friends. One of our volunteer opportunities is with the local health and respite (hospice), and they do a lot of other stuff, including sponsoring blood drives. Our misfortune at the border allowed us to donate blood on Tuesday. Panamanian people are afraid to donate blood so the donors are very much appreciated here. We both donated and were in agreement that it was one of the most pleasant donation experiences either of us has ever had.

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Doing our part,

blood donors are rare in Panama

On Wednesday we took the bus into the city to straighten out our problem with Adunas. They collected all our documents (copies) and told us to come back on Friday. We have limited communication skills, but we were being told that the new computer system did not migrate all the vehicles registered and ours was not in the system. Everything would be fixed by Friday. On Friday we returned to find that the problem remained. We friended a man in line with a similar problem. Fortunately he was fluent in Spanish and English, and he helped us to get through the process. They had to do a hand search for our vehicle record to authorize us to take it across the border. They asked us to return in two hours.  It was a monumental accomplishment when we  returned to find they were going to issue the document.

The document to allow our car to leave Panama for 90 days.

On September 1st we took off on our Costa Rica adventure again. We were able to pass through the border, but I must say that it is much harder to travel from country to country here than it is to cross into the United States. Here they want to make sure you will not be staying for more than a visit. It is the legal process. We do not recommend travel like this without good instruction. We had good instruction including multiple copies of numerous documents, and a specific order to do each task. We do not know which was worse, going to Costa Rica or returning to Panama. Both border crossings were stressful, but not impossible. We both agree that it was worth the trouble, and will likely return for another visit in the future.

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Border crossing (we’re in Costa Rica)

Costa Rica Immigration

One of the reasons we selected Panama as our retirement home is they use U.S. currency. One thing we recommend when traveling is to get some foreign currency in advance. This was our first mistake. While at the border we were required to purchase Costa Rican car insurance. Using U.S. dollars, we think, caused us to pay a premium for this insurance. On our travel day (Sunday) no banks were open for the exchange of money. We usually pay for most things with a no foreign transaction fee bankcard, and that worked well for us until we were able to obtain Colonies (Costa Rican dollars). With Colonies in hand we were able to enjoy the roadside diners (Soda) we love, as well as make small purchases. At the end of our adventure we returned with just over $100 USD worth of Colonies.

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We returned with about $100 USD (+-60,000 colonies)

Momanes…yum

The other thing we returned with is Momanes. Momanes are a Central American fruit that we are calling “hairy balls” because they have an appearance like, well you know. They really are yummy. When you peal away the skin they look and taste like a big white grape. They have a pit in the center, which you do not eat.

Our first stop in Costa Rica was a wonderful port town called Quepos. We did not want to drive after dark and this was a perfect place to spend the night. We had a great meal and outstanding service at an oceanfront hotel. While we had dinner we enjoyed a spectacular sunset. Our plan for morning was to wait until the bank opened, to exchange cash. This allowed us to wander about on the boardwalk and enjoy a great breakfast. When the bank opened at 9 a.m. we discovered a long line because of 1st of the month payday. Rather than endure the line we elected to continue on our adventure with no Colonies. This was not a problem. We stopped at a wonderful restaurant along the road that accepted our card, and paid a toll with a US Dollar (it was about .35 cents).

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Quepos…Our first night in Costa Rica

Sunset in Quepos

The National Cerveza Imperial

We were once again on the road to Surfside. Our good friends own a home there and we will stay with them for a few days to explore the Gold Coast beaches. The journey was another 6 hours on roads that appeared to be carved right out of the jungle rain forest. We spent most of the ride in awe of the beauty of the country. Much of the ride was along the Pacific Coast with small beachfront towns along the way. The roads, even the Pan-American Highway, were primarily two lane and paved. They were also mostly in good repair. We were able to use the Wayz app on our phones, and it worked flawlessly. Forgive us for not taking pictures along the journey. We found that often there were limited space to pull off the road for photo opportunities. The pictures below are from a stop along the coast at a small town called Jaco.

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We love these signs

Jako has a championship surf team

We arrived mid afternoon at our friends, John and Barbie’s home. Their home is located in a beachfront community near the town of Potrero. We noticed that there are many expats living and vacationing in these areas. The locals are much better at speaking English than in most of Panama. But, like anywhere in Central America a little Spanish goes a long way. The restaurants, bars, and breakfast sodas were numerous and most seemed to be doing well even in the slow season.  Over the next few days we enjoyed exploring the area. John and Barbie took us to an upscale condo project called Las Catalinas, which was like walking into a movie set in Italy. It was very beautiful and quiet. We took about 100 pictures but will only share a few. These homes here were in the million USD range.

Las Catalina looks just like an Italian village

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Italian Village

Italian Village

Italian Village

Italian Village

Italian Village

We also explored numerous beaches. Playa Penca was incredibly beautiful and deserted. There was a road adjacent to the beach and we followed it to the end. I promised an end of the road story and this is it. It was somewhat anti-climatic but it was, no doubt, another in what we hope will be  a long lasting theme to our end of the road stories.

Playa Penca

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The road along the beach at Playa Penca

The end of the road at Playa Penca

Playa Penca

Playa Penca

John and Barbie took us to several great beaches. Some were literally deserted, while others had a lot of people around. The beach at Witches Rock in Potrero was a surfers paradise. There were surfers around waiting for high tide, when they would take a lesson or hit the surf. We enjoyed a great lunch on the beach and browsed through some of the great shops.

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The beach at Witches Rock is a surfers paradise

Witches Rock

Amazing Beaches

Amazing Beaches

After visiting Potrero we went to an amazing pool at Mar Vista for an afternoon of relaxing and swimming. This infinity pool is separated from the ocean by jungle and rain forest, but when you were swimming in it you could enjoy the awesome ocean vista.

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Enjoying the pool at Mar Vista

The infinity pool at Mar Vista

The infinity pool at Mar Vista

Along the way we spotted this very colorful and handsome iguana. He was not shy and we got a great picture of him to share.

This handsome guy was so colorful

We could not get over the fabulous restaurants in the area around our friends home. The last night at their home we went to Vaca Loca. Translated Vaca Loca means crazy cow. We came to the conclusion that the proprietor was the crazy one. We were served ribeye steaks, that weighed out at over a pound, with appetizers, one side, and a shot of limoncello to finish for about $12 USD each. It was beyond delicious and perfectly cooked. The truth be known, our friend John is an expert at finding great restaurants that will not break the budget. Most of the restaurants in Costa Rica, with the exception of the sodas, are very expensive. This reality was another strong argument for our decision to retire in Panama. We enjoy eating out and having economical restaurant selections is important to us.

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Vaca Loca

Our awesome hosts John and Barbie at Vaca Loca

Great meal

The following morning we embarked on our journey to the mountain town of Tilaran.  On our journey we made a special stop at Walmart. Walmart in Costa Rica is a high end department store and we found the prices to be high compared to the States. We did pick up a few snacks and soft drinks for the road. We also got a few things that have been difficult to find in Panama.

The Ciudad of Tilaran

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Can you believe it?

Walmart in Cost Rica

From there we traveled on to Lake Arnal and the pinnacle of our trip, a visit to Lake Arnal and the Arnal Volcano. We stayed in a great casita with a full kitchen and an awesome view of Lake Arnal for $50 USD per night. Our friends John and Barbie stayed with a friend down the road a bit. The lake is about 26 miles long and we were on the west end of it. The volcano and the small town of Arnal were about an hour drive away on the east end of the lake.  Our plan was to go to the volcano, hot springs and explore on Saturday. We will head back to Panama on Sunday. The pictures below are near where we stayed. The weather was perfect when we reached our temporary home on Lake Arnal.

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West end of Lake Arnal (35 miles from Arnal Volcano)

Lake Arnal

On Saturday morning we woke up to torrential rain. It is rainy season and we were deep in the mountains and rain forest. Determined not to let the weather affect our plans, we took off bright and early prepared for whatever mother nature dealt us. We drove to the volcano and the small town of Arnal. To make a long story short we did not get to explore because the rain did not stop. We, also opted against the hot springs as it would not be great in the rain. We shopped around the town a bit and took a few pictures before returning to our temporary home at the other end of the lake.

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Mannequin zip lining in Arnal

Rain ruined our volcano exploration

Terrible day to explore the volcano

Clouds and rain over Arnal Lake

For the rest of the day we enjoyed meeting some of John and Barbie’s friends and a couple of other great restaurants. Our farewell dinner was at Moyas and it was another awesome experience.

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Moyas had interesting décor and great food

Lunch with a view of Arnal Lake

Sunday morning we got up for our journey home to Panama. On the way out of the mountains we stopped for what turned out to be an awesome photo opportunity. We took a picture of the Arnal Volcano with a cloud over the top resembling a hat. The rest of our journey was more beautiful countryside and we thoroughly enjoyed the drive.

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The Arenal Volcano put on a hat for our departure

The last town before the border with Panama

We both agree that the experience of driving through Costa Rica was memorable and we will likely make another trip to fully enjoy the mountain experience. The beaches were great, but we have great beaches right here at home.

If you are enjoying our blog, please, like, share, and sign up to get it each time we make a new post. We also like to get comments and questions. We do our best to answer questions quickly. Some questions we answer by private message; while others we answer publicly so others can benefit from the answers. We will never share your information.

Blessings,

Greg and Jen

Our Adventure to Costa Rica We cannot detail our adventure without a brief prologue...Our adventure was to begin on August 19th. We did everything right and had perfect instructions for our journey.

[airoasis]

MyDigital6 Bitcoin Program-Official MD6 Intro Video 1 (of 2).

New Post has been published on https://hititem.kr/mydigital6-bitcoin-program-official-md6-intro-video-1-of-2/

MyDigital6 Bitcoin Program-Official MD6 Intro Video 1 (of 2).

So you wish to have to earn bitcoins i’ll exhibit you get bitcoins through a brand new incomes inspiration unlike anything ever earlier than visible in the end a official handy and extremely-quick Bitcoin opportunity for the ages my digital six has taken the historic-university and tremendously moneymaking chain letter modality but thirty years ago and changed it into an without problems conceivable brand new Bitcoin earning software stick around new acquaintances and put together to be amazed at how mydigital6 is going to alter your existence without end the Bitcoin incomes opportunity that’s provided at the Iceland born mydigital6.Is area is sheer genius and is a world’s first ever Bitcoin possibility of its sort. It combines some enormously innovative standards which have but to be introduced into an earning opportunity to this point. Incomes Bitcoin has not ever been faster or less complicated or more authentic in regards to how officials may interpret this program versus the subsequent that comes along. Constant smaller quantities of Bitcoin can begin to arrive into your possess individual Bitcoin wallet by means of the hour all day long should you come to a decision to initiate this simple proposal individuals take talents of what is a first-of-its-style Bitcoin earning opportunity combining modern-day on-line emailing and social applied sciences with an exciting platform concept much like that of the ancient world however totally rewarding chain letter modality of the late 70s through the 90s that many could nonetheless recall. Even though individuals had a hard time proving repayments being made between them again then physical chain letters still managed to attract ten to fifteen thousand or more greenbacks to a individual’s home through the postal approach within just mere weeks. These forms of profits might be realized from the initiating of only one single mail campaign assembled and a kitchen table within a couple of hours effort and did in fact for a lot of. To at the present time there has never really been whatever fairly so easy to initiate while being so powerful within the name of earning profits from home. They have been so robust in growing experience of wealth for the long-established household that they have been in-fact the direct intent for the construction of laws that to at the moment disallow bodily money to be mailed to at least one an additional even as beneath the pretense of getting rich quick. You’re about to be quite simply blown away at how this manufacturer-new legitimate floor shattering proposal takes the legal guidelines of duplication in exponential arithmetic that made chain letters so innovative in their day to a entire new degree online for you and your household here in our modern day times.Now as I get started here you’ll be able to have an interest to grasp that i have eradicated the accountability or fee proof flaw that the ordinary chain letter model incurred that a few of you would keep in mind. This delivered function alterations the sport dramatically benefiting all involved by giant margins. And no, we are not mailing something from house with this application. Many required updates have been brought right here to ensure legitimacy and longevity of this ground shattering and highly revolutionary application adhering to the various required country codes and recommendations on the way to make sure the longevity of this software was prime priority in developing this Bitcoin opportunity. Constructing the opportunity in a true evergreen capacity was once one more significant requirement of mine. Meaning it might probably provide pleasure and wealth to those that take part ten years from now just the identical as it is going to for folks getting concerned in these days. The utter simplicity of this software versus the insanely excessive dollars in Bitcoin it’s going to entice to your wallet in regular daily fashion helps to ensure this truth. The three matters which can be complete with the my digital six application within the name of legitimacy is that the program manages to establish actual consumers real products and real worth to these purchasers. This is important when now not best devising a winning long run professional sales possibility however when launching any business relatively, whether or not it’s on-line or off. I will guarantee you that if any of the quite a lot of retailers around your residence did not fall into compliance with these three ideas their doors would get closed briefly order. Rule number 1: There need to be purchasers that are generated from the public at gigantic that a enterprise’s products and services are to be offered to.Rule number 2: In retaining any business or opportunity workable in on point is that customers ought to obtain value for the greenbacks spent with the brand in question. In the end rule number 3 reflects the best way wherein cash flows by means of their ranks in any industry organization or possibility on the earth intellect you on-line or off. In the case of an possibility platform vs. A traditional trade type cash spent on merchandise and consequently fee’s earned need to be proportionate to all worried. Commissions ought to also be specially centered on product income made to end shoppers that are not part of any inside fee constitution.Reliable fee-payable opportunities can not with ease reward for recruiting only or for selling to present interior participants. Many online hyips, pyramids, cyclers, ponzi’s, and networking matrices are unlawful due to the fact with the aid of their very design-do not regularly accomplish any one of these principles let on my own all three. These typically hollow and 0 product-backed opportunities erode from the backside upwards over a brief interval of time or are without difficulty shut down through the powers that be. As good they should be too – they where unwell-conceived proper from the commonly benefiting the higher tiers of its infrastructure or worse yet, a sole operator perched up excessive atop its pyramid design, If one is to think the universal legal guidelines of appeal then one knows the creators of such packages will get what they have got coming to them. The existence force of our planet guarantees steadiness and justification to every being that exists upon it. Constant optimistic or poor movements regardless of the size, assemble the trail that each and every of us are on-founded on how we behave and treat our fellow man from daily. As a veteran online and networking marketer, creator, and official crypto day trader i have noticeable countless numbers and i imply hundreds and hundreds of bogus opportunities come across the internet above all due to the fact early 2016 when Bitcoin itself began to take some actual shape. 1000s of thousands of dollars were stripped faraway from so many by deceitful, in poor health-intended, and incredibly gifted crooks. Shysters that make use of incredibly progressive replica positioned on the best possible tech-savvy web sites with only one thing on their agenda. It’s this very phenomenon that led me to demand trade for thus many who of in any other case been financially injured and victimized by way of the countless and quite gifted wrongdoers of our brand new day. Although i’ve had countless networking leaders requests that I could create a software through the years seeing the conglomerates become a member of in additionally taking men and women for billions in late 2017 with bitcoins steep upward thrust and even turbo fall used to be the final turning factor for me. See; most do not realize how the banks. Insurance giants, governments, and institutional buying and selling firms played the middle category from August of 2017 to mid December drawing near 2018. When they need you to purchase at the perfect features they use interesting and perfectly timed online propaganda. When they need you to sell they once more manipulate the drops taking their revenue whilst feeding you poor propaganda to get you to promote low. Individuals have been played like puppets by means of these associations working in live performance in opposition to them, and that i just knew at that point that I’ve seen enough. Each single buck- each single penny that’s transacted in this software goes straight into the referring contributors individual Bitcoin account at any place that could be.There’s no hierarchy or stages or recruiting in mydigital6 application. In all truth the website online itself is only a customer referral hub or a digital product dispensary if you’re going to. Even when the website and program goes entirely computerized and self-replicating later this 12 months of 2018 the $1 by means of $6 digital product purchases will consistently go straight to the six members worried with the sale of six said products. These six brand new contemporary digital merchandise are of my construction and as of proper now you’re hereby completely licensed to promote them to your new patrons. Each member refers new purchasers one hundred% of the time-which by the way is solely probably the most things that makes this so profoundly actual and fully compliant let on my own entertaining and immensely profitable. However I promise you have not obvious something yet. The way in which wherein we flip a $21 one-time Bitcoin cost into hourly Bitcoin profits daily is an absolute wonder in this world of never-ending Bitcoin incomes possibility launches. And my bottom-dollar guess is that when you see the simplicity of this revolutionary and groundbreaking platform and how it goes to work for you the moment you implement it, you’ll jump right in and not ever seem back. And so begins what i hope is the greatest transfer of wealth back to the center category at all time. In video number 2 i will share how it’s that our individuals take full potential of the legal guidelines of exponential mathematics to generate potentially tens of enormous quantities in Bitcoin and considering the fact that coin arrive to them within as little as 36 hours of getting concerned. Sure I did say 36 hours. Some will say coin in a matter of minutes of sharing this Bitcoin incomes opportunity in all fact. And that’s how fast it is buddy. Anyway i’ve some earnings state of affairs charts to share with you in the subsequent video which can be distinct to get you radically excited and puzzling over all of the methods you’re going to look your wildest dreams subsequently coming authentic. When you have struggled in the past to dig your claws into whatever that truly labored wonders for you and yours – ready of producing revenue ongoing with no end in sight, you relatively owe it to yourself to come see how this inspiration can go to give you the results you want, If you know how to ship a easy e mail or drop a mobile name to a handful of context then your lifestyles is ready to vary and in the grandest of ways. I am hoping to peer you over at mydigital6.Is right now. It is now easier than in all of historical past to earn bitcoins. .

[batterymonster2021]

MyDigital6 Bitcoin Program-Official MD6 Intro Video 1 (of 2).

New Post has been published on https://hititem.kr/mydigital6-bitcoin-program-official-md6-intro-video-1-of-2/

MyDigital6 Bitcoin Program-Official MD6 Intro Video 1 (of 2).

So you wish to have to earn bitcoins i’ll exhibit you get bitcoins through a brand new incomes inspiration unlike anything ever earlier than visible in the end a official handy and extremely-quick Bitcoin opportunity for the ages my digital six has taken the historic-university and tremendously moneymaking chain letter modality but thirty years ago and changed it into an without problems conceivable brand new Bitcoin earning software stick around new acquaintances and put together to be amazed at how mydigital6 is going to alter your existence without end the Bitcoin incomes opportunity that’s provided at the Iceland born mydigital6.Is area is sheer genius and is a world’s first ever Bitcoin possibility of its sort. It combines some enormously innovative standards which have but to be introduced into an earning opportunity to this point. Incomes Bitcoin has not ever been faster or less complicated or more authentic in regards to how officials may interpret this program versus the subsequent that comes along. Constant smaller quantities of Bitcoin can begin to arrive into your possess individual Bitcoin wallet by means of the hour all day long should you come to a decision to initiate this simple proposal individuals take talents of what is a first-of-its-style Bitcoin earning opportunity combining modern-day on-line emailing and social applied sciences with an exciting platform concept much like that of the ancient world however totally rewarding chain letter modality of the late 70s through the 90s that many could nonetheless recall. Even though individuals had a hard time proving repayments being made between them again then physical chain letters still managed to attract ten to fifteen thousand or more greenbacks to a individual’s home through the postal approach within just mere weeks. These forms of profits might be realized from the initiating of only one single mail campaign assembled and a kitchen table within a couple of hours effort and did in fact for a lot of. To at the present time there has never really been whatever fairly so easy to initiate while being so powerful within the name of earning profits from home. They have been so robust in growing experience of wealth for the long-established household that they have been in-fact the direct intent for the construction of laws that to at the moment disallow bodily money to be mailed to at least one an additional even as beneath the pretense of getting rich quick. You’re about to be quite simply blown away at how this manufacturer-new legitimate floor shattering proposal takes the legal guidelines of duplication in exponential arithmetic that made chain letters so innovative in their day to a entire new degree online for you and your household here in our modern day times.Now as I get started here you’ll be able to have an interest to grasp that i have eradicated the accountability or fee proof flaw that the ordinary chain letter model incurred that a few of you would keep in mind. This delivered function alterations the sport dramatically benefiting all involved by giant margins. And no, we are not mailing something from house with this application. Many required updates have been brought right here to ensure legitimacy and longevity of this ground shattering and highly revolutionary application adhering to the various required country codes and recommendations on the way to make sure the longevity of this software was prime priority in developing this Bitcoin opportunity. Constructing the opportunity in a true evergreen capacity was once one more significant requirement of mine. Meaning it might probably provide pleasure and wealth to those that take part ten years from now just the identical as it is going to for folks getting concerned in these days. The utter simplicity of this software versus the insanely excessive dollars in Bitcoin it’s going to entice to your wallet in regular daily fashion helps to ensure this truth. The three matters which can be complete with the my digital six application within the name of legitimacy is that the program manages to establish actual consumers real products and real worth to these purchasers. This is important when now not best devising a winning long run professional sales possibility however when launching any business relatively, whether or not it’s on-line or off. I will guarantee you that if any of the quite a lot of retailers around your residence did not fall into compliance with these three ideas their doors would get closed briefly order. Rule number 1: There need to be purchasers that are generated from the public at gigantic that a enterprise’s products and services are to be offered to.Rule number 2: In retaining any business or opportunity workable in on point is that customers ought to obtain value for the greenbacks spent with the brand in question. In the end rule number 3 reflects the best way wherein cash flows by means of their ranks in any industry organization or possibility on the earth intellect you on-line or off. In the case of an possibility platform vs. A traditional trade type cash spent on merchandise and consequently fee’s earned need to be proportionate to all worried. Commissions ought to also be specially centered on product income made to end shoppers that are not part of any inside fee constitution.Reliable fee-payable opportunities can not with ease reward for recruiting only or for selling to present interior participants. Many online hyips, pyramids, cyclers, ponzi’s, and networking matrices are unlawful due to the fact with the aid of their very design-do not regularly accomplish any one of these principles let on my own all three. These typically hollow and 0 product-backed opportunities erode from the backside upwards over a brief interval of time or are without difficulty shut down through the powers that be. As good they should be too – they where unwell-conceived proper from the commonly benefiting the higher tiers of its infrastructure or worse yet, a sole operator perched up excessive atop its pyramid design, If one is to think the universal legal guidelines of appeal then one knows the creators of such packages will get what they have got coming to them. The existence force of our planet guarantees steadiness and justification to every being that exists upon it. Constant optimistic or poor movements regardless of the size, assemble the trail that each and every of us are on-founded on how we behave and treat our fellow man from daily. As a veteran online and networking marketer, creator, and official crypto day trader i have noticeable countless numbers and i imply hundreds and hundreds of bogus opportunities come across the internet above all due to the fact early 2016 when Bitcoin itself began to take some actual shape. 1000s of thousands of dollars were stripped faraway from so many by deceitful, in poor health-intended, and incredibly gifted crooks. Shysters that make use of incredibly progressive replica positioned on the best possible tech-savvy web sites with only one thing on their agenda. It’s this very phenomenon that led me to demand trade for thus many who of in any other case been financially injured and victimized by way of the countless and quite gifted wrongdoers of our brand new day. Although i’ve had countless networking leaders requests that I could create a software through the years seeing the conglomerates become a member of in additionally taking men and women for billions in late 2017 with bitcoins steep upward thrust and even turbo fall used to be the final turning factor for me. See; most do not realize how the banks. Insurance giants, governments, and institutional buying and selling firms played the middle category from August of 2017 to mid December drawing near 2018. When they need you to purchase at the perfect features they use interesting and perfectly timed online propaganda. When they need you to sell they once more manipulate the drops taking their revenue whilst feeding you poor propaganda to get you to promote low. Individuals have been played like puppets by means of these associations working in live performance in opposition to them, and that i just knew at that point that I’ve seen enough. Each single buck- each single penny that’s transacted in this software goes straight into the referring contributors individual Bitcoin account at any place that could be.There’s no hierarchy or stages or recruiting in mydigital6 application. In all truth the website online itself is only a customer referral hub or a digital product dispensary if you’re going to. Even when the website and program goes entirely computerized and self-replicating later this 12 months of 2018 the $1 by means of $6 digital product purchases will consistently go straight to the six members worried with the sale of six said products. These six brand new contemporary digital merchandise are of my construction and as of proper now you’re hereby completely licensed to promote them to your new patrons. Each member refers new purchasers one hundred% of the time-which by the way is solely probably the most things that makes this so profoundly actual and fully compliant let on my own entertaining and immensely profitable. However I promise you have not obvious something yet. The way in which wherein we flip a $21 one-time Bitcoin cost into hourly Bitcoin profits daily is an absolute wonder in this world of never-ending Bitcoin incomes possibility launches. And my bottom-dollar guess is that when you see the simplicity of this revolutionary and groundbreaking platform and how it goes to work for you the moment you implement it, you’ll jump right in and not ever seem back. And so begins what i hope is the greatest transfer of wealth back to the center category at all time. In video number 2 i will share how it’s that our individuals take full potential of the legal guidelines of exponential mathematics to generate potentially tens of enormous quantities in Bitcoin and considering the fact that coin arrive to them within as little as 36 hours of getting concerned. Sure I did say 36 hours. Some will say coin in a matter of minutes of sharing this Bitcoin incomes opportunity in all fact. And that’s how fast it is buddy. Anyway i’ve some earnings state of affairs charts to share with you in the subsequent video which can be distinct to get you radically excited and puzzling over all of the methods you’re going to look your wildest dreams subsequently coming authentic. When you have struggled in the past to dig your claws into whatever that truly labored wonders for you and yours – ready of producing revenue ongoing with no end in sight, you relatively owe it to yourself to come see how this inspiration can go to give you the results you want, If you know how to ship a easy e mail or drop a mobile name to a handful of context then your lifestyles is ready to vary and in the grandest of ways. I am hoping to peer you over at mydigital6.Is right now. It is now easier than in all of historical past to earn bitcoins. .

[aroundtheworldin18years]

Well….we have only gone and won £100k on a scratchcard!!!! 

That’s right…ONE HUNDRED THOUSAND smackaroonies!

Lynne went out yesterday morning to drop Lily-Belle at school and popped into the local shop for ‘essentials’.  As she queued she thought, ‘do you know what, if that couple down the road can win £115 million, surely we might get lucky and win a few quid that could pay for our next holiday’.  A few scratches later, winner winner chicken dinner…£100k…we’re still letting it all sink in!  Madness!

Now, some of our readers already know that Mummy is the budget Queen but lover of all things holidays!  Not content with the cold-cash making a cosy home in our bank account, she has come to the conclusion that life is far too short and has decided to blow the lot on seeing those places that we have dreamed of for so long.  After a long night checking out villas on Clickstay, we now have our TOP 10 TRAVEL GOALS 2019 plans in place.

So here goes, our TOP 10 TRAVEL GOALS 2019…..excited!

February

It’s the middle of winter here on the island of Ireland and snow has fallen across the province, so we’ve decided the first trip of 2019 should be to somewhere warm, a place where we can rid ourselves of our pasty white skin…Australia it is then.  Our first trip will take us to the beautiful town of Cairns to see one of the Seven Wonders of the Natural World; the Great Barrier Reef!  Sea Temple 205 Palm Grove looks stunning and the girls are going to love the pool.  Mummy is looking forward to some R&R in the onsite Spa, and daddy, well…I’m just hoping to join up the freckles to get a ‘ginger’ tan!

Sea Temple 205 Palm Grove:  click to view Cost:  very reasonable at £3,857 dingo dollars.

March

March 2019 is a BIG month in the Callaghan household; it’s Mummy’s big 4 0 birthday and also our 15th wedding anniversary!  We spent our honeymoon in the Maldives so the beautiful Olana Beachfront Apartment that we have chosen is right on the beach in the Black River region of Mauritius.  Perfect location to explore the beautiful Black River Gorges National Park.  There are so many wonderful things to do on the island but we are especially looking forward to snorkelling in the crystal clear water and watching the dolphins go by whilst eating breakfast!  

Olana Beachfront Apartment:  click to view Cost:  prepare to be amazed…only £3,108 which is equivalent to a large bucket of sea pearls.

April

It’s still cold on the island of Ireland so we are sticking with a warm sunny destination.  Well, why not, we have just won £100k on the lottery!  Although we love our holidays, neither of us have done the backpacking craze, and in all honesty, we are not about to start!  Thailand is one of those places loved by backpackers so we thought we must pay it a visit!  Booking a Villa in Koh Samui seems to be very popular and now we can see why!  Absolutely stunning, and we’re sure you’ll agree that the Exclusive Five Bed Beach Front Villa on Koh Samui is also absolutely stunning too!  What are you planning on seeing and doing I hear you ask…SO MUCH!  Swim with turtles at Koh Tao, check out the Big Buddha shrine and take in the spectacular Namuang Waterfall.

Exclusive Five Bed Beach Front Villa on Koh Samui:  click to view Cost:  definitely not for budget conscious backpackers, £17,412.  That’s a lot of wonga!

May

For those of you who follow our blog, you will know that we amor Italy and find it impossible to stay away.  Winning so much money on the lottery is never going to change that!  Last year we stayed in a fantastic campsite in Tuscany.  We also spent an afternoon in the beautiful city of Florence which was far too short.  I remember driving up to Piazza Michaelangelo and going past the most amazing houses so we thought, ‘why don’t we stay somewhere like that’.  Not the cheapest but how amazing does this Florence Dream Villa look…Mummy is really hoping it comes with a live-in Chef to make her favourite Penne Arrabiatta..don’t ask!  The ‘Penne Arrabiatta’ is a whole post by itself!

Florence Dream Villa:  click to view Cost:  not campsite rates at a whopping £18,475

July

As parents we try our best to not have the girls miss school so we plan on making the most of the 2019 summer holidays!  The girls have always wanted to visit Disney so we’ve seen that there’s a great Villa To Rent In Four Corners, Florida.  It’s my (non-disclosed age) birthday on the 1st and of course Independence Day is on the 4th July, so I’m sure it will be a truly memorable holiday.  Disney is definitely on the ‘visit’ list and we also need to head over to Clearwater Marine Aquarium to see Winter from Dolphin Tale.  Lily-Belles ultimate dream is to swim with rescued dolphins Winter and Hope!

Villa To Rent In Four Corners, Florida:  click to view Cost:  cheap(ish) at £5,232, we aren’t going to spend much time here apart from chilling in the pool.

  This next trip isn’t terribly exciting but we have been asking Mummy’s parents to have a holiday with us and the girls for quite some time.  Mummy really doesn’t understand why they don’t want to travel with us; but if I was them, I wouldn’t want to travel with us either!  The Callaghan Posse are ALWAYS late, The Maclaine Crew are ALWAYS early!  And who needs the added stress of being late when on holidays (Lynne, she thrives on it).  Anyway, her Dad finally agreed that we would all go on a short holiday to Scotland!  If we are going to Scotland I have decided that we should become King and Queen in a Timeless Castle.  What do you think of this beautiful Scottish Castle located in the Scottish Borders?  Perfect for us all to have our own space; if you know what I mean, and for Father-in-Law to enjoy the rolling hills and local heritage.

Timeless Castle:  click to view Cost:  this trip will empty the sporran of £8,567 but I’m certain it’ll gain me a few Brownie points!

August

Historically, most August’s in Ireland the weather is shocking and wet!  Irish summer is normally over before it has even begun, so we have decided that we will probably need to catch a few rays after our trip to bonnie Scotland!  Greece is a country that we have never been to; it looks absolutely stunning in photos and we love the beautiful white washed villas.  Oh yes, we are also very fond of falafel, so where better than Greece to get the authentic deal!  As we are not expecting for the ‘in-laws’ to have had a change of heart about travelling with us after their Scottish stay, a little villa for four is all that is require.d or desired.  The Zephyros Guesthouse in Santorini looks perfect with it’s white-washed walls and tiled terraces.  We especially love the outdoor seating area and I think you will agree that it is definitely ‘insta-worthy’.  In a word…wow!

Zephyros Guesthouse:  click to view Cost:  £6,270 I’m getting seriously concerned about what is left in the ‘scratchcard’ money pot!

Our Top 10 Travel Goals 2019 list would not be complete if we didn’t live it up in the South of France.  The town of Molleges is calling to us and we have totally fallen in love with this rustic villa named Water Lily House.  Picture perfect!  This ‘gorgeous gaff’ is just how we would expect a dreamy French villa to look.  Astonishing and just perfect to relax in before the start of the new school term.  The grounds are like something from a 1930s movie and have you seen the cooker…not that I/we plan on cooking!  Lily-Belle and Matilda can’t wait to take a dip in the pool and tackle the climbing frame.  No trip to the South of France would be the same without ‘rubbing shoulders’ with the rich and famous in Saint-Tropez…don’t mind if we do!

Water Lily House:  click to view Cost:  £14,561, well it is the South of France.  Not known for cheapy-cheapy!

December

I have to admit that I’m not a big fan of Christmas or New Year.  Personally I would prefer to go away for 2 weeks at this time and come home when it’s all over and normality has returned to the home.  Mummy always refuses to holiday at this time due to the excessive cost.  There’s no excuse now, we’ve just won mega-bucks on a scratchcard.  Val d’Isere here we come.  This delightfully characteristic French ski chalet is what dreams are made of; just look at those views!

Chalet Mont Blanc:  click to view Cost:  £18,733 so I don’t think Santa will be coming this year….he’s skint!

Last, but by no means least, New Years Eve in (drum roll please…drrrrrrr) NEW YORK CITY!  What better way to end 2019, fabulous year of travel; than by ringing in the New Year in Times Square.  There are no villas in NYC but we have are really lucky to have found this Gorgeous 2 Bedroom Duplex In Manhattan.  A lovely apartment that is centrally located.  There will be lots of clothes shopping of course; not by Mummy, but me, one can never have too many shoes you know…that is if we have a penny left in the pot!!

Gorgeous 2 Bedroom Duplex In Manhattan:  click to view Cost:  Saving for the shoe shopping spree so £3,093 all in…bargain!

Ok, if you’ve got this far we have a HUGE CONFESSION to make…….

….we haven’t actually won the £100k on a scratchcard…fooled ya!  This post is our entry into the Clickstay Travel Blogger Competition for the chance to win a £600 Clickstay™ voucher!

We apologise for trying to pull the wool over your eyes, harmless fun, but we also hope you enjoyed reading our Top 10 Travel Goals 2019 post.  Rest assured, if we do win £100k or more, then these ‘fantasy’ trips will become a reality.  If you tally up above, these trips come to £99,308… a little left over for Daddy to buy shoes in New York City.  Win a £100k on a scratchcard…if only…in our dreams!   

Around the World In 18 Years would really appreciate your VOTE for us to be in with the chance of winning a £600 holiday voucher from Clickstay.  It’s not going to pay for that stunning Italian Chateau or the beachside villa in Koh Samui, but out of this world accommodation is not what is important to us for our holidays.  What is?  Spending quality time together as a family when we travel!

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Information, currency and prices are correct at the time of publishing. Views, opinions and experiences are that of The Callaghan Posse and are correct at the time of publication. Photos, unless credited, taken by The Callaghan Posse for use and distribution by Around The World In 18 Years. Images and content may not be copied or used (commercial or private) without first obtaining permission.

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TOP 10 TRAVEL GOALS 2019 Well….we have only gone and won £100k on a scratchcard!!!!  That's right...ONE HUNDRED THOUSAND smackaroonies! Lynne went out yesterday morning to drop Lily-Belle at school and popped into the local shop for 'essentials'. 

[coin-river-blog]

November 27, 2018 11:09 PM

Tether updates its offerings, but questions about its battles with transparency and ties to Bitfinex are likely to persist.

In April 2017, Tether Limited, issuers of the tether stablecoin (USDT), announced that Wells Fargo had stopped providing banking services to Tether's Taiwanese banking partners, causing restrictions on deposit and withdrawal functions for the stablecoin's users. Later, in November 2017, 30,950,010 USDT was taken from the Tether treasury wallet, bringing an end to the 1-to-1 redemption promised in the white paper. Now, according to a November 27, 2018, announcement on its website, Tether has reopened account verification and the redemption of fiat currency to USDT.

The announcement clarifies that as a result of their new relationship with Deltec, a Bahamas-based bank, Tether can once again "[allow] the immediate withdrawal of Tether to fiat (1:1), with the ability to acquire coming soon."

It also details the minimum requirements for withdrawals and deposits set at $100,000 and 100,000 USDT, with fees ranging from 0.4 percent to 3 percent depending on the size of the deposit or withdrawal. It is stipulated that customers are limited to one USD fiat redemption per week.

A Not-So-Great First Impression

The Tether announcement comes after a difficult October for the currency, which saw confidence in the stablecoin drop with its trading value as the company's lack of transparency came into question. ETHNews covered the decline in trading value when it reached 92 cents.

Part of the reason for the declining value may have been tied to Tether Limited's efforts at reassuring investors. A January 2018 audit by Friedman LLP was meant to "provide an interim analysis of [Tether's] cash position and our issued and outstanding tokens, as part of the ongoing efforts to further professionalize the transparency mechanisms of Tether Limited."

By January 27, however, the audit was canceled, leaving behind continued skepticism surrounding the company's transparency. A transparency report published by Freeh Sporkin & Sullivan LLP (FFS) claimed to have confirmed "the U.S. Dollar ('USD') balances in accounts owned or controlled by Tether at its banks." This did little to squelch doubt in the stablecoin as FFS isn't an accounting firm and FFS co-founder Eugene R. Sullivan was an advisory board member on one of Tether's banks.

A Better Second First Impression?

Whether or not Tether's update will bring back some of the faith its users lost is still up for debate. Its transparency page reports the amount of fully backed USDT to be $1,911,322,412.12 at time of press, though even that has come into question in the past.

Tether's announcement was coupled with Bitfinex posting on Medium that users of the crypto exchange would be able to "trade Tether-fiat directly on our platform through the addition of USDT/UST and EURT/EUR Tether trading pairs. This replaces the previous 1:1 conversion on deposits and withdrawals provided by Bitfinex, and reflects the increasing range of choice in the stablecoin market and demands from our customers."

The exchange's "Tether neutrality" allows the rate at which USDT can be redeemed through Bitfinex to be tied to market conditions rather than having it locked to the 1-to-1 exchange rate.

The continued relationship with Bitfinex may irk some users. Both companies share a CEO, Jean-Louis van der Velde, and scholars at the University of Texas at Austin suggested earlier this year that Tether was being used to increase the prices of digital currency on the Bitfinex exchange. The authors of the paper wrote, "By mapping the blockchains of Bitcoin and Tether, we are able to establish that entities associated with the Bitfinex exchange use Tether to purchase Bitcoin when prices are falling. Such price supporting activities are successful, as Bitcoin prices rise following the periods of intervention."

It's worth noting, however, that the publication of the paper in June 2018 did not correlate to a drop in Tether's trading value at that point.

Nicholas Ruggieri studied English with an emphasis in creative writing at the University of Nevada, Reno. When he’s not quoting Vines at anyone who’s willing to listen, you’ll find him listening to too many podcasts, reading too many books, and crocheting too many sweaters for his dogs, RT and Peterman.

ETHNews is committed to its Editorial Policy

Like what you read? Follow us on Twitter @ETHNews_ to receive the latest Tether, USDT or other Ethereum cryptocurrencies and tokens news.

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[click2watch]

Here’s What 3 Lawyers Have to Say About That Cryptic Tether Letter

UPDATE (19:10 UTC, Nov. 2, 2018): This article has been updated to include a comment from the chairman of Deltec, Jean Chalopin. 

As with any communication from Tether these days, a letter from Bahamas-based Deltec Bank has seemingly been parsed as closely as a passage from holy writ.

Commentators on Twitter and elsewhere picked apart every one of its fewer-than-100 words, including the non-committal wisp of a signature – which inevitably became a meme and the subject of parody – and even the document’s metadata.

In releasing the letter this week, the controversial stablecoin issuer was trying to allay concerns about its banking situation by confirming its previously rumored relationship with Deltec and showing proof that it has enough money to fully back the tether (USDT) tokens in circulation.

Specifically, the letter “confirm[ed] that, at the close of business on October 31, 2018, the portfolio cash value of your account with our bank was US$1,831,322,828.”

That exceeds the circulating supply of tether, which is currently 1,776,421,736 USDT, according to CoinMarketCap, apparently indicating that the company is complying with its promise to hold one dollar for every tether in circulation.

But aspects of the letter attracted scrutiny from the crypto commentariat, some of whom have long harbored suspicions about Tether’s claims to fully collateralize USDT. Not helping to clarify matters, when reached by CoinDesk Friday, a Deltec spokesperson would neither confirm nor deny the relationship or the authenticity of the letter, citing legal and regulatory restrictions.

However, later in the day, Deltec chairman Jean Chalopin messaged CoinDesk saying the following:

“You contacted us a couple of weeks ago and asked a confirmation that we could not give you, as restricted by law. But Tether came public with an announcement and I wanted to make sure you saw it. Sorry we could not be more helpful before: As you know the banking sector is strongly regulated and we have to be careful in matter of communication.”

Chalopin included a link to Tether’s announcement.

So CoinDesk spoke to several industry lawyers to find out what, if anything, can be drawn from Deltec’s brief and cryptic missive.

‘Without any liability’

This sentence from the letter in particular raised eyebrows:

“This letter is provided without any liability, however arising, on the part of Deltec Bank & Trust Limited, its officers, directors, employees and shareholders, and is solely based on the information currently in our possession.”

Preston Byrne, a technology consultant with Tomram LLC (and author of the marmot parody cited above), said that the disclaimer calls back to Hedley Byrne & Co. Ltd. v. Heller & Partners Ltd., a U.K. legal case from the 1960s.

In the case, the House of Lords ruled that a bank which made a similar disclaimer could not be held responsible for actions taken as a result of a letter it sent.

“The Bahamas is a common law jurisdiction,” which means it may “give persuasive weight to English precedent,” Byrne explained, adding:

“Hedley Byrne is an English case concerning the inadvertent assumption of liability by a bank to a third party as a result of public statements made by the bank to a third party, and the effectiveness of a disclaimer in discharging any obligations that bank might owe to that third party as a result of those statements.”

In other words, there is case law precedent for what one entity might owe another.

“Is the case relevant? To an extent, but the bank does not have a fiduciary relationship with anyone but Tether,” said Matthew Gertler, an attorney who recently joined Reserve, the issuer of a rival stablecoin.

While Tether’s decision to publish the letter might indicate that it’s for public consumption, then, readers should not assume they’ve been given any sort of legally meaningful guarantee of anything, since they’re extraneous to the Deltec-Tether relationship.

Love, Anon

Speculation also centered on that fact that there is no person’s name attached to the letter, and that the signature is just a curve.

But Gertler argued that the lack of a name or legible signature is not necessarily an issue.

“Certain people at companies are able to write letters on behalf of the company,” he continued. “The signee is merely someone who has authority to write these letters on behalf of the bank. I do not see this as unusual,” he explained.

The attorneys CoinDesk spoke to also stressed the importance, from a legal perspective, of the letter’s intended audience, who likely did not require an individual’s name.

“The letter is written to Tether for Tether,” Gertler said. “The bank is basically saying that if it is wrong and Tether suffers a loss, Tether cannot sue the bank. I should note that anyone else who relies on the bank letter cannot go after the bank because the letter is for Tether and no one else.”

The language of the letter covers it “in case there was a system or other error that caused the amount to be misstated,” he said, adding,

“This is lawyers doing what lawyers do.”

‘Portfolio cash value’

Another focus of social media exegesis was the phrase “portfolio cash value.” To some, that appeared to an artful way of saying that the firm is not strictly complying with the language in its white paper, which says:

“Each tether unit issued into circulation is backed in a one­-to­-one ratio (i.e. one Tether USDT is one US dollar) by the corresponding fiat currency unit held in deposit by Hong Kong based Tether Limited.”

(It did not escape notice that the letter was addressed to an office in Taiwan, not Hong Kong.)

As one user pointed out, “portfolio cash value” potentially leaves room for assets that aren’t U.S. dollars – perhaps even cryptocurrencies.

An attorney who spoke to CoinDesk on condition of anonymity, citing “onslaughts of spam and other negative reactions” suffered by those who criticize Tether publicly, addressed this point:

“Regardless of whether I’m a purchaser or investor, who in their right mind would rely on this letter anyway? […] What people want to know when they buy tether is ‘are there dollars on deposit,’ and this doesn’t say anything about that. It says it has $1.8 billion in its account but it doesn’t have to be in cash. It says ‘portfolio cash value.’ I don’t know what that means.”

The balance could even “be money that was loaned to tether for a day,” the attorney added.

Gertler proposed a more generous interpretation. “More likely, the portfolio is of various fiat currencies or various different bank accounts,” he said. “If it is only USD, the bank letter is probably a form letter that contemplates various fiats and bank accounts.”

Caveat auditor

Stepping back, as the reigning stablecoin, USDT plays a critical role in the crypto ecosystem, allowing traders to quickly transfer value between exchanges without relying on the traditional banking system.

But Tether has not yet produced a full audit of its bank balances, despite language in the white paper saying, “the corresponding total amount of USD held in our reserves is proved by publishing the bank balance and undergoing periodic audits by professionals.”

An analysis by Friedman LLP issued in September 2017 indicated that Tether had funds in at least U.S. dollars and euros at the time. Friedman was supposed to complete a full audit, but Tether said in January that its relationship with the firm had “dissolved.”

Tether subsequently obtained a report from the law firm Freeh Sporkin & Sullivan, LLP, which said that USDT issuance was fully backed by bank deposits as of June 1, though like the Friedman report and the Deltec letter it was rife with qualifications.

From that time until Thursday – nearly five months – Tether provided no evidence that it held a dollar in bank deposits for every tether in circulation. During the month of October, the market capitalization of tether fell by nearly 40 percent to $1.74 billion, according to CoinMarketCap, reflecting a steep decline in total supply as Bitfinex – an exchange that shares common ownership and management with the company – sent hundreds of millions of tokens to a Tether-controlled wallet known as the “treasury.”

The declining market cap also partially reflects a fall in tether’s price, which has rarely reached its $1.00 target in the past month, and is currently at $0.97997, according to CoinMarketCap.

Whatever your interpretation of the Deltec letter, it clearly has not put doubts to rest.

Image via Shutterstock 

The leader in blockchain news, CoinDesk is a media outlet that strives for the highest journalistic standards and abides by a strict set of editorial policies. CoinDesk is an independent operating subsidiary of Digital Currency Group, which invests in cryptocurrencies and blockchain startups.

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[democratsunited-blog]

Lewiston Democrats rode a social media firestorm to the bank, netting $181,000 in donations

https://uniteddemocrats.net/?p=7586

Lewiston Democrats rode a social media firestorm to the bank, netting $181,000 in donations

When Kiernan Majerus-Collins launched an online fundraising campaign last spring, the Lewiston political activist was hoping to hit a nerve with people angered about comments made by a local legislative candidate.

Republican Leslie Gibson’s attack on survivors of the school shooting in Parkland, Fla., proved to be worth tens of thousands of dollars to the Lewiston Democratic City Committee. Screen image from Twitter

Instead, Majerus-Collins tapped a vein – an artery, even – of progressives nationwide who are outraged over pushback against Florida teenagers demanding stronger gun laws in the aftermath of a mass shooting at their high school in February.

The windfall of donations – more than $170,000 in less than a week – was 34 times more than the Lewiston Democratic City Committee had raised in the previous six-month period and roughly 100 times the amount raised by the Greater Bangor Democratic Committee. It was a historic, social media-fueled fundraising haul for a small, local political committee headed by a group of progressive activists in their 20s.

“I was shocked,” Majerus-Collins, who graduated from Bates College this year, said on Tuesday. “When I first put up the fundraising appeal, I thought maybe we would raise a couple of hundred dollars that would help us do some of the programming we have been doing and struggling to do. We were all surprised by the response.”

The Lewiston Democratic City Committee entered the homestretch of the 2018 election season flush with $181,000 in donations through June 30. In contrast, its rival organization, the Androscoggin County Republican Committee, received $10,339 in donations during that period. But the Lewiston Democrats face questions about how that money will be used.

The target of that initial fundraising appeal, Republican legislative candidate Les Gibson, dropped out of the race amid national headlines inspired by his calling one Marjory Stoneman Douglas High School student activist a “skinhead lesbian” and another a “bald-faced liar.”

And the Democrat recruited to challenge Gibson, Eryn Gilchrist, not only can’t use any of the money for her campaign but remains deeply disturbed by the fundraising tactics ostensibly used on her behalf – including the creation of a Twitter account in her name.

“I found it to be really frustrating and emblematic of what I don’t like about politics, which is someone capitalizing on something divisive,” said Gilchrist, who as a publicly funded Clean Election candidate can only accept a limited number of small donations. “It drives a wedge between people.”

PLANS FOR HOW FUNDS WILL BE SPENT

The Lewiston Democratic Party’s enormous fundraising success in such a short period illustrates not only the political power of social media but also how little control donors have over how their money is used once they write that paper or virtual check.

The Lewiston Democratic City Committee must abide by Maine’s campaign finance and transparency laws, which include disclosing how money is spent. As of June 30, the last campaign finance reporting deadline, the committee had spent $11,473 with more than half of that paid as “processing fees” to the Democratic fundraising website Act Blue.

Majerus-Collins, who is one of four 20-somethings leading the Lewiston Democratic Party, is pledging to put the money to use consistent with the original intent of electing Democrats, while working on longer-term initiatives to boost Democratic turnout and voter enrollment.

“When we asked the world to give to us, we told donors that money would be used to defeat Les Gibson and it only took us four days to do that,” Majerus-Collins said. Gibson, he noted, is still treasurer of the Androscoggin Republican Party and retained the support of many local and state Republican Party leaders. The only exceptions Majerus-Collins points to are state Sen. Amy Volk of Scarborough and Rep. Bruce Bickford of Auburn, both of whom publicly criticized Gibson’s comments.

“So as far as I’m concerned, the people who aided and abetted Les Gibson … are fair game,” he said.

One of those local party officials, Androscoggin County Republican Committee Chairwoman Patti Gagne, said she isn’t sweating how local Democrats will deploy their massive war chest.

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“It doesn’t concern me really because I think we have a strong backing from people who want to see things continue in the direction that (Gov. Paul) LePage has taken us in and the direction that (President) Trump is taking us,” Gagne said. “We are working hard on our end as well.”

Gagne also said that as a conservative Roman Catholic, she often feels unfairly maligned by liberals who claim to support free expression but only when it comports with their own views.

“I just think it was really unfair,” Gagne said of the reaction to Gibson’s comments. “At the time, Mr. Gibson felt it was the right thing to step down. But I wish he would have stayed in the race and stood up for his right for free speech.”

CLEAN ELECTION CANDIDATE

At the time of his controversial comments, Gibson was the only candidate running for the House District 57 seat that includes the conservative-leaning towns of Greene and Sabattus. Gilchrist announced her candidacy just days before the deadline as the social media storm against Gibson grew.

As a Clean Election candidate, Gilchrist cannot tap into any of the $181,019 that the Lewiston Democratic City Committee raised through June 30. The Lewiston Democrats can spend money to support her or oppose her Republican opponent, Thomas Martin Jr., who stepped into the House District 57 race after Gibson’s comments became public. But the committee is prohibited by law from coordinating with Gilchrist on those expenditures.

Lewiston Democratic City Committee leaders – particularly Majerus-Collins – repeatedly referred to Gilchrist’s candidacy in their fundraising appeal.

“Great news: we’ve recruited a local Democrat to run against him! Folks can contribute here,” Majerus-Collins said several dozen times on March 13 in response to comments on Twitter.

“I promise that 100 percent of every dollar we receive will go directly to beating Les Gibson and his allies here in Maine,” he said in a March 14 post on Twitter. “We are determined to make sure that Gibson never sets foot in the Capitol as a state legislator.”

Gilchrist said the committee even created a Twitter account in her name, although she was subsequently able to gain control over it.

In an April 20 post on Facebook announcing that she had qualified to run as a Clean Election candidate, Gilchrist wrote that “a group unaffiliated with me, the 57th district, or my campaign raised tens of thousands of dollars using my name and practices that I don’t condone.” She then said she hoped the Lewiston Democratic City Committee “reforms their fundraising practices and honors the wishes of donors who may feel they were misled.”

‘TURN PEOPLE INTO LIFELONG VOTERS’

Months later, the fundraising activity still bothers Gilchrist.

“I would question how many people who donated understood that is what they were donating to,” Gilchrist said. “I think the money is inappropriate, period, and the usage is inappropriate.”

Asked about that criticism, Majerus-Collins said he certainly understands Gilchrist’s concerns and agrees that “we have to honor the wishes of the donors.” To him, that means working to defeat Gibson’s allies while also working to strengthen the Democratic base in the Lewiston area.

Majerus-Collins said the committee has no plans to blanket the region or Maine’s 2nd Congressional District with campaign mailers or to spend large sums on radio or television ads in support or opposition to any one candidate.

“I think that’s a mistake that the Democratic Party makes,” he said.

Instead, the committee plans to use that money to boost voter registration and turnout among college students and recent immigrants – two groups that often lean Democratic in Maine – and to “build a better electorate over time.”

“If you can turn people into lifelong voters, that is so much more powerful and long-lasting than a TV ad or a mailer that people look at for three seconds and then toss in the recycling bin,” he said.

Kevin Miller can be contacted at 791-6312 or at:

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Twitter: KevinMillerPPH

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[gillespialfredoe01806ld]

‘The whip cream on top of the sundae’: Homebuyers writing heartfelt letters to sway sellers in hot housing markets

TORONTO — Monica Martins and her husband had been looking for a house for nine months by the time they fell in love with a “character home” in Toronto’s east end.

With demand for properties high and bidding wars the norm, they knew getting the home wouldn’t be easy, so to convince the seller to choose their offer, they decided to go beyond simply digging deep into their bank account.

Despite her husband’s doubts that it would carry much weight, Martins put a pen to paper and scrawled a note that described her family, detailed how much they adored the home and noted that she and the sellers had shared tastes in books and furniture. She also included an informal commitment not to gut or demolish the place as had been done to another property down the street.

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“If you pick us, we will make it our own over the years, but we love the house that you’ve loved so dearly and would love to live in it and raise our family in it,” Martins recalled writing, before tucking in a photo of the family complete with her daughter and dog and leaving the note with her realtor.

The note placed the Martins in a growing group of Canadian buyers who are opting for the personal touch in hopes of gaining an edge in heated markets — and realtors and sellers say such missives often do the trick.

Agents told The Canadian Press it is not unusual for clients to ask them to deliver notes sprinkled with mentions of single parents, millennials saving up for a first property or young couples looking for a place to raise a family. They often mention how much the prospective buyer loves features of the home, like a big backyard, stunning wood floors or a spacious kitchen, and frequently talk about the sender’s occupation, hobbies and hopes for the property.

While the letters could be viewed by some as desperate and having a negligible effect on the offers process, some realtors describe them as a “must” because they said sellers often seriously consider sentiments relayed in a note when choosing what offer to accept, especially when a home has long been in the family.

Donald Bergeron, a lawyer, received a letter when he and his wife put the Etobicoke home, where they lived for about 23 years and raised their children up for sale recently.

Donald Bergeron poses for a photograph with a personalized letter which he and his family received as part an offer to buy his house in Toronto on Thursday, July 19, 2018. Writing letters in the offer process is becoming a growing common tactic for buyers.

They received a handful of offers, but one came with a “very well-written” letter detailing that the senders loved the neighbourhood and admired the two renovations the Bergerons had done on the house. He later found out the letter writers lived just down the street and had often trick-or-treated at his home, where their children would always tell their parents how nice the property looked.

Bergeron and his wife ended up accepting the writers’ offer after some haggling over financing conditions, but he said the note wasn’t the deciding factor.

“It capped off our good feelings that we had chosen the right folks,” said Bergeron. “Reading the letter was almost like the whip cream on top of the sundae.”

He said letter writers run the risk of appearing corny or overdone and should know that a lot of buyers are still ultimately driven by money.

“Whether the letter trips it over the top, I can’t say it does, but it doesn’t do it any harm either,” he said.

In the Martins’ case, they weren’t the only buyers to write a letter and didn’t have the highest bid, but still landed the property. The sellers later told them their “impactful” note sealed the deal.

“Someone else in their neighbourhood had a character home and was given assurances that it wasn’t going to be a flip job and then the buyer got in there and the day after closing, the demolition trucks came and he never lived in it,” Martins said.

“(Our sellers) felt that we were authentic in our communication, which we absolutely are.”

Toronto realtor Ben Ferguson, who represented the Martins and often includes cover letters about his clients along with their bids, said letters were used long before the city’s market heated up last year.

While some sellers make money the deciding factor in which bid they chose, he said most “care about who they sell the house to, not just the price.”

That mantra was true years ago when he took a client to visit a home for sale in Toronto’s east end that featured a basement filled with KISS memorabilia and electric guitars. Ferguson’s client was coincidentally a massive fan of the band, so when he threw in his offer, he sweetened the deal with an original KISS concert t-shirt dating back decades.

The seller had two very similar offers to consider, but when he heard Ferguson’s clients offer, he said, “Oh my god, I don’t even own a KISS original t-shirt.”

“It swayed the seller,” Ferguson said. “We got the deal done.”

Montreal realtor Amy Assad hasn’t heard of bidders offering anything as creative as a KISS t-shirt, but said letters have been cropping up in the province in recent years, and carry the most weight when they’re given to sellers who have long lived in a home.

“People want to know they are trading their family home to another family,” she said, noting she has had clients bid $10,000 less than but still snag homes because of their letters.

“It is not always about dollars and cents.”

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