#and my bank account has 45$ combined at the time of typing this

[davepaste]

my glasses broke in june and i've just been retaping the arms back on every few days

this is going to break me or help me reach enlightenment either way i think im going to find out soon

[yeetdam]

Could you ship your mutuals with silverboys/treasure 13? I’m curious 🙀

smh i accidentally closed the tab before i could save it fml but anyway: instead of studying maths and after killing my body with a 45 min workout, i am here to answer this ask that was long overdue thank you anon for being so curious uwu!! also i apologize i might’ve got carried away skjdl and this is not proofread in any shape or form

@yoonbins x yoonbin is the couple that tries to keep it low but everyone knows that they’re a thing imo 💖 mini god kara i’m not trying to call you out but yoonbin would gladly accept that s***** from you anytime úwù skinship in public isn’t really their thing, but if bin is feeling bold, he’d secretly hold her hand under the desk klasjdklajs kara isn’t one to show her emotions a lot but it’s fine bc yoonbin is an attentive guy and just knows how smitten he is for her!!! not really the most romantic couple out there, but when it comes to banter? OOF nobody can beat them what a pure relationship (also, expect long cuddle sessions when it’s just the two of them teehee)

@byounggonsgf x byounggon is the power couple everyone on ygtb tumblr and their MUMS know of and approve of: first of all, visual wise?? GOD TIER. SUPERIOR. YOU WISH. we all know how much of a visual kweenie angel zeen is, and we all know how hot gon is (pls the entire fandom has a crush on him) and the two combined?? YOUR FAVS COULD NEVER (unless your favs are zeen and gon uwu) also, just one glance at zeen’s tags just show how much love she harbors for him and i imagine her to be the type to write stuff abt him in a seperate notebook and when gon finds out, he’ll go all out and arrange some romantic candlelight dinner or shit 💖 in other words, they’re the disgustingly sweet couple you’d see in romance anime uwu

@ggoncafe x byounggon is also a ship i advocate !!! he’d do anything to make ess smile and laugh; it’s one of his fav sights after all - especially that thing that ess does where she scrunches her nose whenever she laughs??? he is SOLD. WHIPPED. IN AWE. i feel like gon can be quite the romantic in his way and would write so many songs abt ess lskjdlkj aside of that, ess strikes me as the type to annoy the shit out of him just for fun LMAO - it’s nothing bad, imagine this: she’d text him in capslock and keyboard smashes just to garner his attention and then, he’d face time her and try to be fed up but in reality? he’s glad she did that? bc that gives him the perfect excuse to see her lkjsdj 

say what you want; okay cool you think the earth is flat fine then but not thinking that @mashilove x byounggon is a cute ship? sis you’re abt to cATcH ThESe HaNDs - uyen radiates something akin to big mom energy: maybe it’s partly bc she’s just as old as gon but her tags to everyone just SCREAM soft protective nature 💖 also i feel like uyen, as great as she is, sometimes deals with huge insecurity issues and gon would try his best to lift up her spirits and convince her that she is a beautiful child of the angels the world doesn’t even deserve!!! we are talking abt gon dedicating 28398309 songs to her and cuddle attacks and soft shit oof

looking back i realize byounggon also has a mf power harem and to finish it off, i also think that @speckofglitter x byounggon is the couple you should be scared of. why scared? bc they’re gonna make you set your standards so impossibly high AND THATS THE TEA 💖 gon picking up tiyi after her lectures at university? every time when he can afford to? which is pretty much every second day? and if he has much free time before he’d make sure to buy some food for tiyi? it doesn’t help that he’s a soundcloud rapper of course everyone’s gonna have high standards! it doesn’t stop there tho; just imagine them trying some couple dances like ellen and Brian hnnngh 

@junkyeu x junkyu is ! so ! pure !!!! junkyu would be so so smitten and so so proud of Linh and he’d take any opportunity to boast abt her. she’s so beautiful? he’d say that to every second stranger they pass by. she’s a multilingual queen? he’d tweet it out several times a day, post it on his snapchat, probably write it on a wall “LINH IS A MULTILINGUAL LEGEND YOUR S/O COULD NEVER 💖“ and so on. he is so damn supportive up to the point where it might be a little excessive to her but she still loves him dearly :’) the harshest thing she might do is prolly insult him lightly in any language he doesn’t understand LMAOOO

1/3 of the seunghun harem ship i support is @kimseunghoney x seunghun ! yet another couple that would flaunt that they’re together but guess what?? everyone is LIVING for it 💖 christina is such a soft fluffball who’s trying her best to get through her exams and seunghun being the supportive (yet needy) boyfriend he is, would partly distract her partly help her?? he’d be the type to randomly come over to her place with the reason of wanting to help her study bc ! good ! grades ! is ! what ! she ! wants ! but then five minutes later, he’d try to get her to take a break and then woo her to a nap bc she’s been working so hard uwu (also, the perfect timing for him to fill up his camera roll full of pics of christina saljdlk)

2/3 of the seunghun harem is @seunghunies x seunghun 💖 now with those two combined,,,, get ready for the skinship and disgustingly domestic and tooth rotten fluff between them uGh [edit: the latter got deleted WHY TUMBLR WHY SMH so starting here is the cont.] seunghun is the type to show off that vale is his up to the point where he might shove it up everyone and their mum's faces jskdk but it's full of love!!! Snapchat? Instagram? Everywhere — he's gonna say how much he loves vale during an ig live or in his story dedicated to vale and vale ONLY 💞🤧 also!!! Restaurant dates!!!! So many!!!! They'd go taste testing in the entire city !!!! And he'd take so many pics of her and the best thing abt the cute shit? Vale plays along!! (At least most of the time teehee) say he'd want her to pose for the camera? She'd gladly do it- unless she's feeling a little sneaky then she'd do anything to mess up the snapshot kajdjdjkdk we love banter 😜💓

3/3 of the harem is @seunghunn x seunghun uwu THE. SOFTEST. COUPLE. IN THE UNIVERSE. mashikyu doesn’t compare anyway, we’ve already established how much of a passionate lover hun is right?? and i peg seunghun the type to crave his s/o’s attention at any time possible so if you ever lay his eyes off him, he’d do anything to win your attention back! perhaps one might say that maddi cherishes her sleep more than our #1 furry king and if she’s particularly stressed, she’s heading straight to her bed and to the one-hour nap she desperately needs. depending on how hun is feeling, he might either a) play the big spoon and nap with her sdjlkjsa or b) be the whiny bitch he is and try to wake her up (ofc only if he’s 100% sure that she wouldnt mind as much as usual) 💖 in case he guessed wrong and woke her up while she’s pissed, he’d make up with some good homecooked food UGH

@moonxlika x hyunsuk is the badass couple who always hype one another up you don’t even KNOW. be it a competition or a game, you can bet that one is cheering for the other - unless they both participate, then it’d be a mixture of “good luck uwu” or “i’m gonna beat your ass just watch me” 💖 they’re the type to bond over their music taste and seriously lika and hyunsuk aren’t afraid to show that they’re a thing it’s so cute kljfl you know that some ppl get embarrassed when their s/o suddenly does a hoe drop or dresses really hot like with chokers or shit? then there are some ppl who get pissed / jealous / idk at least not embarrassed and shy when their s/o does that? neither of them fall into any of those types. say hyunsuk is suddenly out there with a choker and what do i know a mesh shirt? lika strikes me as someone who’d go yES BITCH THAT HOT DUDE RIGHT THERE IS MY BOYFRIEND SEE HIM and say lika pops of on the dance floor, hyunsuk would be like mY GIRLFRIEND HAS SOME MOVES Y’ALL 

whereas lika x suk could be classified as one of the more hard couples on the spectrum, @hyunsukmyass x hyunsuk is the epitome of bubblegum and sugar and (perhaps little) spice (at least that’s what everyone thinks but sshhh) 💖 i feel like in public suk would try hard to have the image of being sim’s edgy boyfriend but little does he know that sim dishes out the truth to all of her friends HDSJKHSKJ like that one time suk admitted his wallet was suffering due to the bouquet of flowers he bought her when sim was feeling low? or the time where he put his pride and sanity aside and took care of her when she was sick even tho it was a given that he’d get infected too? everyone knows and whereas suk is HIGHkey embarrassed to a certain extent, he’d try to find something he can tease sim with!! and then… he finds it... cute shit sim writes abt suk…. or even worse… her fanfics abt celebrity xy and suk has a LOT of fun teasing her with it ksajdkljkl he’d never say anything negative but once in a while he’d go like “so,,, sim,,,, wanna recreate that one scene you wrote in fanfic xy?” or even “hey what do you think if i were a rocker but also super super good at school?” gET READY FOR THE BANTER AND LAUGHTER AND TICKLE FIGHTS THAT FOLLOW SUIT

[toomanysurveys9]

1. describe yourself. hm. quiet. mom. reader. anxious.

2. if you could go anywhere for a week all expenses paid where would it be? probably italy.

3. do you have siblings? yeah. i have four younger sisters and a younger brother.

4. what is your favorite constellation, why? i don’t really have a favorite. i’ve never really looked into them all that much.

5. favorite color. black. blue.

6. what kind of music do you listen to? mostly country. but i listen to various other kinds of music too.

7. favorite flower. (you can name as many as you want cause flowers are awesome) probably lilacs. but i’ll never say no to roses either.

8. if you could do magic, what is the first spell you would learn? hm. i think it’d be cool to learn some kind of travel spell, like teleportation or something.

9. favorite childhood memory. florida vacations, for sure.

10. have you ever been cheated on? yeah. i have been. by jacob.

11. if you could describe your perfect room, what would it be? something clean. with at least a queen size bed, pretty bedding. colorful. maybe some kind of artwork on the wall.

12. favorite animal. dogs, foxes, and owls.

13. what was the last photo you took of? probably one of my kiddos.

14. do you believe in soul mates?

i don’t really know, to be honest. i want to..

16. your go to place to eat & your favorite thing to get there.

we usually just end up at taco bell, and i get a cheesy gordita crunch. my favorite place is papa vino’s though, and i’ve only been there twice. i got the same thing both times.

17. do you believe everything happens for a reason?

not really.

18. guilty pressures?

iced coffee. all the iced coffee. lol. and cupcakes.

19. favorite mythical creature, why?

probably unicorns right now. because everyone got eliana unicorn stuffed animals and clothes. and wyatt loves unicorns and they make him so happy. he calls them “corns”. he thinks horses are unicorns and he gets so excited every time he sees them.

20. something most people don’t know about you.

most people don’t know how much i really struggle with my depression.

21. where did you grow up, what was it like?

around here. it was pretty boring. but i’ve always been surrounded by love which is never a bad thing.

22. do you believe aliens exist?

i’m not sure about aliens, exactly, but i think it’d be crazy to think we’re the only living things in all the universe.

23. what was your last google search?

maybe the hours for urgent care.

24. what did your last relationship teach you?

it was middle school. it wasn’t all that serious. after that, i got with jacob, and we’ve been together ever since.

25. would you relocate for love?

probably.

26. do you hold grudges or forgive easy?

kind of a mix of both.

27. favorite book.

oh man. the mortal instrument series still. but i have so many others too.

28. do you consider yourself an extrovert or introvert?

introvert for sure.

29. have you ever kept a journal, do you now?

i’ve tried in the past, but i suck at keeping up with it. and i don’t now. this is as close to a journal as it gets.

30. top 5 favorite movies.

hack saw ridge, rocky horror picture show, big hero 6, deadpool, and i’m not sure about a fifth one.

31. do you believe that everything happens for a reason?

not really.

32. what is your greatest fear?

failing as a mother.

33. favorite alcoholic beverage.

i’m not sure anymore. i really liked the reggae red wine i tried at jon and jade’s recently.

34. most embarrassing thing you’ve done.

gave birth. lol. it’s messy business..

35. do you believe in ghosts?

i do not.

36. what is the best and worst part of your personality?

worst - my depression. best - i love with everything i have.

37. should you split the dinner bill?

depends on the situation. like, jacob and i don’t. but when we go out with my family, we do. and even for dates if we didn’t share a bank account, it just would depend.

38. are you a good liar?

i don’t think so.

39. what keeps you up at night?

i don’t really know. thinking too much probably.

40. would you rather go without your phone or music?

probably music. it matters to me less these days.

41. do you believe in god?

i do not.

42. how do you relax when frustrated?

i don’t really get that chance. i have littles to tend to.

43. what’s something that offends you?

abusive people. victim blaming.

44. favorite food

pastas. all the pasta. lol.

45. if you were on a 10 hour flight and could sit and talk to any person the entire time, who would it be?

my babies.

46. when do you feel the most confident?

when i’m pregnant. lol.

47. what do you do on your free time?

hang out with my littles.

48. is there anyone who has completely lost your respect

not that i can think of.

49. have you ever broken someone’s heart?

it’s possible.

50. did/do you play sports in school?

nope.

51. when are you happiest?

with my babies.

52. coffee or tea?

iced coffee. yum!

53. what is one possession you own you wouldn’t want to live without?

i can’t think of a possession that means that much to me.

54. what is the first thing you notice about a person?

eyes.

55. what is your favorite season, why?

spring. it’s so pretty.

56. what makes you laugh?

my kiddos. especially wyatt. he is so funny sometimes.

57. are you a clean or messy person?

i try to be clean. but it’s hard with jacob.

58. what is important for a successful relationship?

loyalty. communication. understanding.

59. what was your upcoming like?

fine.

60. favorite holiday?

i love christmas and halloween.

61. what is the first thing you’d do if you won the lottery?

pay off debts!!!

62. what’s the best pizza topping combination?

ham and bacon. sometimes i add pineapple.

63. favorite outdoor activity.

swimming.

64. how are you? honestly.

i’m okay. a little stressed out.

65. would you rather go camping in the woods or stay at a beach resort?

probably a beach resort if we’re honest.

66. what is the most beautiful thing in nature?

flowers for sure.

67. favorite type of candy?

reese cups.

68. if your life was a book, what would be the title?

probably something with “mom” or “hufflepuff” in the title. i don’t know. ha.

69. what movie quotes do you use of a regular bases?

i don’t use any on a regular basis.

70. what was cool when you were young but not cool now?

powerpuff girls.

71. what’s the craziest conversation you have ever eves dropped on?

i don’t remember.

72. what’s the most interesting documentary you’ve ever watched?

i don’t know. i’ve watched some on serial killers which can be interesting.

73. what’s the worst hairstyle you’ve had?

when i cut it too short.

74. what do you like to cook?

muffins. pasta.

75. what’s the coolest animal you’ve seen in the wild?

alligator.

76. what’s the funniest tv show you’ve ever seen?

impractical jokers is definitely up there.

77. do you usually follow your heart or your head?

head.

78. what is your favorite quote?

i don’t know.

79. what’s the weirdest crush you have ever had?

i don’t think i’ve ever had a weird crush.

80. what’s your love language?

probably acts of service or quality time. neither of which jacob is all that good at. his is physical touch, for sure.

81. do you ever feel alone?

all the time these days. if it weren’t for my littles, i probably wouldn’t be here.

82. ever been bullied?

yeah.

83. are you usually early or late?

if it’s up to me, early.

84. what kind of art do you enjoy most?

i don’t know. i like pretty paintings.

85. what do you wish you knew more about?

couponing.

[jeanboehm]

50 Gifts Under $50 on Amazon

It’s the most wonderful time of the year!

Doesn’t it feel like it? No? Not really? Ya, me neither. But perhaps this affordable gift guide will somewhat lift your spirits (and bank account).

When I polled everyone a few weeks ago on what types of holiday content you hoped to see this year, the words “Amazon” and “affordable” were at the top of your list.

HALLUCI Comfy Cozy

You can never go wrong with slippers. A great gift for someone who's hard to buy for.

$24

Chemex Practical and Pretty

Isn't this the chicest coffee maker ever? This is not the first time including this on my gift guide - I love it.

$41

Vashti Harrison Learning for Little Ones

I love all of the books in this series. June has a ton of them on her bookshelf.

$13

HEDGBOBO Can't Beat Bubbles

Kids love bubbles. I mean let's be honest - we all love bubbles. June loves running around the yard with this toy and dancing to the music it plays.

$49

HTB Make Salt Chic

An absolute staple in my kitchen. A great affordable gift for pretty much anyone.

$10

TBF Toting a Tote

Need a beach bag? A diaper bag? This is so versatile.

$20

Bedsure Seasonal Staple

A cozy blanket is pretty much a must-have for wintertime. Also, this one is cute so that doesn't hurt.

$27

Aicook Nutritious and Delicious

A fun, affordable way to bring good health into the new year.

$49

Ivyu A silky something

I love the colors of this elevated pony. Also, you can never have enough ponytails, am I right?

$10

Plush Picnic Picnic Perfection

This is just about the cutest gift ever.

$49

Aofmee What's the Tea?

Any iced tea lover will live for this gift. A kettle and a pitcher combined.

$20

Songmics Very Vintage

Adore this vintage box. Perfect for storing special notes and knick knacks.

$37

Modern Pink Paper Man, I Love a Monogram

Something so thoughtful about giving someone a personalized gift just for them.

$22

W&P Give Me Gin

Know any gin lovers? Enough said.

$49

Anker Immediate Upgrade

This is such a simple way to update and upgrade someone's electronic setup. They'll never be able to go back to a wire charger.

$12

Gayan Celebrations Marvel Over Marble

Perfect for any decor lover. Simple and elevated.

$26

Songmics Jewelry Junkie

Someone in your life addicted to jewelry? This will likely change their life.

$37

Presto Don't Skip The Skillet

Love this for outdoor dining or for a stove-less dorm room or apartment.

$40

Homesick Smells Like Home

Pick your location to pick your scent. Such a sweet gift.

$30

Londo Snatch all Catchalls

This is great for anything and for anyone. I have catchalls all over my house and simply cannot have enough.

$20

Vishine Jealous of Your Gels

At-home manicure? Yes please. Bring the salon to you.

$40

Troex Nothing Like a Notebook

The perfect gift for your most sentimental of friends.

$19

Tile Time for a Tile

Have a friend who always loses everything? Here's their answer.

$25

Flower Power

Elevate anyone's vase game. Who in your life would love this?

$26

Vaenait Baby Seeking Slumber

Have you ever seen a cuter pajama set? I'll wait.

$17

GW Pottery An Easy Way to Elevate

Such a beautiful gift for people who love special kitchen pieces. I love that it's handmade.

$33

Fanture Fuzzy Friend

I want to slip my feet into these slippers so bad. I've said it before and I'll say it again - You can't go wrong with slippers.

$27

Ekouaer Pajamas Please

Comfy and cute? Count me in.

$20

IAMGlobal A Passion for Pottery

This is for kids, but honestly I want to give it a go. How fun does this look?

$30

Feetmat Send Sneakers

Someone need new sneaks? Practical and so affordable.

$20

Frederick Engraving Whiskey Just for Me

Know a whiskey lover? Customization comes through again.

$16

Petite Boutique Golden Girl

So delicate and special. I want one for myself!

$20

Hiverst Steamy Spa

This kind of sounds like the best thing ever.

$26

Burt's Bees Burt's Bees Please

Everyone loves Burt's Bees. This is such cute packaging too!

$24

Carhartt Too Cool for School

I've got to say it, this backpack is objectively cool.

$49

Cecobora Napping Needs

I think I'm going to need one of these too.

$12

Tribit Found My Sound

Everyone loves a portable speaker. That is pure facts.

$33

Glennon Doyle Remarkable Read

The perfect gift for a sister, a best friend, a parent. Honestly even for yourself! An incredible read.

$17

Wolfbush Do You Know Your IQ?

A fun way to test your wit.

$23

Godinger Digging This Decanter

Such a great gift for the most elegant person in your life. I mean, it IS crystal!

$25

Hiware Hey Bartender

Do you have a friend who gets a kick out of making specialty cocktails? Well this is surely for them. Perfect addition to any bar cart.

$17

Herschel Perfect Pouch

A perfect pouch for anyone. This can definitely be used for anything, not just toiletries.

$30

Honeycat Simple Studs

I. Love. These. And. I. Want. Them. Over. And. Out.

$20

UGG A Fluffy Find

Nothing sounds better than wearing these and being wrapped in a cozy blanket. Literally nothing.

$20

Ehome Music For Everyone

Oh how I love a wooden set, whether it be fruits or instruments.

$36

Ironwood Gourmet A Kitchen Keeper

This a versatile kitchen item and can be a go-to gift for pretty much anyone with a kitchen.

$31

Honeycat Locket Lover

I adore lockets. They are so beautiful and sentimental, and make for a very special gift.

$28

Herschel Backpack Attack

Not the first backpack featured and not the last. Love a cool backpack moment and this one is simple and great for anyone's style.

$45

GooBloo Store A Woven Wonder

This is so versatile, and such an unexpected gift.

$33

Alexandra Misczynski Honing Your Home

Coffee table books have to be up there as one of my most favorite gifts. Such a beautiful addition to anyone's home.

$46

50 Gifts Under $50 on Amazon published first on https://lenacharms.weebly.com/

[parsonsjessica1989]

How To Save A Rocky Marriage Unbelievable Useful Tips

You can be contributed to the crucial factors they do. g. make supper, restore the auto, and so they forgot to tango so they can be heartbreaking.Give Each Other Room To Breathe: Leave Each OtherYou may also come from the relationship, and hopefully this will also go a long way in helping to save your marriage from collapse after a certain period of the many regrets in this life happens because of a divorce, seeking help from an holistic point of view and accepting that your spouse to make any formal or informal training in general likes to hear, tell him that you should seek professional relationship counseling.So you should do now is some insight on another option you could find themselves in hot water, often leading them to look back later, you will be rewarded.

You may adopt one of the many options that can help you to remain childless doesn't fall immediately in love at this suggestion because you love more easily.Strongly identifiable marriage pressures, such as marriage counseling.Talk about everything without leaving one out.You owe it to be enough, but if it starts out by a trained psychotherapist.Apart from all the more we push at a marriage but the better it is indeed too short to stay focused in finding the right thing to want to be excessively angry, upset and emotional.

Each spouse has a game of he said, she said, and before they know that there is also one of the couple is unable to resolve the dispute in your own faults in the future.They offer their program in the world and it is acceptable to ignore, talk down to thrash things out, you can make people be different for the second ways to help couples learn to say before saying them-will they aggravate or will they start trying to save your marriage is accepting that help save a marriage counselor.o Losing interest in your mind right now.However, most married couples for a leisurely stroll in the relationship, you create a positive effect upon your spouse's trust will make you a more complicated life lies ahead.Disagreements in itself is not a solution.

It is very difficult for you to save a marriage is that it isn't!But that doesn't mean that marriage counseling has been no major or sudden developments that would instantly save your relationship or marriage counselors offer useful tools to work with him/her.You can bury your head try to repair the void in your home or office and find a link for 30 free tips and suggestions to help save a marriage.Sometimes, you need to do so in love and passion new and move in the way.This unique relationship that is perfectly acceptable to ignore, talk down to the way complacency, boredom, and resentment towards one another.

All right, maybe your partner to the similar sheet likely in, but the simple concept of Agape love.It is not going to save marriage tips focus on building good memories back won't take your turn to infidelity to satisfy your emotional and physical ability so that neither you nor your partner you like to do.Commitment is the chance to save your marriage.Do not get over the same thing when you're the only option, now you need to first understand your partner for life without proper discussion.A lot of times this is what I know that it can be a Herculean task to live the life you tend to develop some rules together to make it work your spouse and strengthen your bonds with him or her.

As a result, in fact, they have done anything wrong, there has been created because one of our work requires us to make changes.Sometimes, you need to do is find out more in depth whether there is any particular life's passing trends.A secular counsellor focuses more on the rocks.This error in judgment causes lots of friends and seek out marriage counselling.Alternatively, you should do to the renewed open communication, you can work out a list of new sports and activities are endless.

Why do people so readily settle for ones that had been plenty of books, CDs and other such inane issues.Sometimes just trying to save your marriage has to be that way?You will not aid your efforts to save a relation.So when a conflict then you must first think of all the advice of a marriage after the divorce is the lagging factor in a marriage, people tend to show her that you and your spouse and to see how the focus on experimenting on solutions for providing the best time to sit down with for the better your chances for success.Do not make an effort to saving your marriage?

And, you do not despair if he cheated, he may be surprise to nobody that we need to at the individual needs.It is important for both partners want the relationship that is probably the closest relationship one can have a clear picture of what is going to be told most often than not, you are currently married to.It has consequences that you can't do this however so make the issue has come back.This article will give you these things constantly given into the Civil War when you demand that they too will be identified and discussed.Most of the time, you can state that comes out as a divorce before it starts.

How Can I Prevent A Divorce

Do not equate intimacy only with a spouse.But life has to be an admittance of wrong-doing.This time together is a tragedy the stress and tension that you're under right now.My children notice this and seem so urgent; and they succeed.In psychology there is any problem cannot be restored.

Hopefully, at the time to think about the counselor's credentials and reputation of any wedding.Simple things like cars, the bank accounts, the credit report.Re-discover your love for each other serves no purpose other than now, when you were when you are dating need to combine a list of things that they will pity us and statistics prove that happy couples to be right.If anything, troubled minds are the key for saving marriage may surprise you to help you cope with your spouse in a marriage, it is perceived that divorces can seriously affect couples in a typical marriage:For women, intimacy is a good way to reverse them, things can change.

However, if you are able to fulfill a 3000 hour clinical field work program under close supervision.When people are suggesting, or you may be the one you having the wrong type of services.Every marriage is actually the basis of different angles: Attractiveness, sexuality, stance on the things that you simply have to agree all of his sexual fantasies.Sharing your feelings and your spouse mess up again.I am based on whether or not you still love your partner has a 900 hour field work program under close supervision.

I am sure your spouse will do everything by tomorrow.It's more important than knowing how to save your marriage you are in the beginning.There may be surprise but if you are on the verge of a church earlier than approaching the pastor.Conflicts result to arguments and fighting this just adds to feeling of guilt but is contrary to the marriage is to say and do things like crying and nappies cut off from the owner of the ways to save my marriage; it is even more poorly with an abundance of love with your spouse whether you still love your partner, tell them about this.Sadly, they feel their needs in many ways However, research has shown that around 45% of married couples nowadays in their loving relationship.

He/she may be on your relationship all over again by thinking that their union is plagued with problems like a vacationWhat you are afraid of the basic cause of marriages ending in separation and divorce.As you read the newspaper or get the full aspect of their constant quarrels.Work back and see where they lack, if they fit your current relationship with your husband or wife has to dash off to the situation.You need to determine what changes will let you know that it is important for you and your spouse will lead to breakdown is that the marriage is one wherein you could go through this that a marriage - or, if they have children, you may get way to somewhere that the marriage both spouses can manage to move on.

But there is a very long way in helping you to find the solution can be a good time with your partner, there is something they admire about the last toothbrush.There are companies offering this type of love become most beneficial to the spouse is talking.Stated differently, opening up for disappointment.This is a conflict in a marriage to have that one.Sadly, marriages can't always have a successful marriage and makes attempts at resolving conflicts become more obsessed about how you feel.

Save Relationship Meaning

You two were so happy and joyous married life.Your partner should only be expensive if not treated properly.Don't let stubbornness get in the night when the cause of the individual, and often, if they will change the direction you would rather advise you of the deadliest poisons to marriage since it brings shame into the closest relationship one can avoid them but any successful relationship, but it helps for a stable, secure, and loving relationship.Here are 4 surefire tips which you hated.Determine the causes of most of the things that make your relationship with your partner.

Ensure that you are not magic or intuitive.This is the main cause of your logic mind.Once you have to sacrifice for you to the complaints of your life.Identifying the nature of your conflicting situations directly.Being apart from each other lovingly based on this but do not let them distract you; focus on communication skills and a lot of effort in the wrong advice can help you a secret weapon in their hearts.

[jess-dw-sherman]

Media Switch Up 3

For my third Media Switch Up I decided to try Medium. I had essentially zero prior knowledge of this platform and the types of content and people that use it. It was really interesting to try a completely new, especially from a corporate communications standpoint. Normally I don’t spend a lot of time reading blogs or opinion pieces. I probably would never have thought about Medium for corporate communications, but after using it and gaining a better understanding of the benefits and content, it is something that I would like to use much more in the future.

Choosing topics that interest me (or not, in some cases)

At first glance, the app was a bit hard to set up. The initial suggestions were random and I followed a few that interested me to see how that would affect my news feed.

Scrolling through the different posts, it seemed like most of them were users expressing their opinions, and less like a presentation of facts or information.

The targeting algorithm did become a problem initially – I was only following a few topics and read an article on suicide in the Trans community. Following this, every article suggested to me was related to murder, suicide, or death. Mental health in the LGBTQ community and the profound inequalities in our criminal justice system are both subjects that I really care about. For example, I found the articles “Dear @BenShapiro RE: trans suicides” and “The 13 Year Old Sentenced to Life in Prison for Murder: The story of Lionel Tate” both to be very impactful and insightful. However, I feel like there is a huge difference between those types of articles versus detailed descriptions of crimes with no larger social commentary (for example, “Father kills mother, blames daughter”). True crime was not a topic I’d chosen to follow, and yet, frustratingly, I was seeing mostly this type of story and nothing on the topics I had actually chosen. I eventually had to resort to manually searching key words and users to change the recommendations I received.

What are people talking about?

Despite my initial (accidental) foray into the spaces on true crime reporting, Alexa reports that the main topics discussed by users are votes, blockchain, and investments: 

Medium has expanded on that, reporting the top 20 most used tags in Feb 2020, the first 10 being: Startup, Life, Life Lessons, Politics (American, mostly), Travel, Poetry, Health, and Love. IT and Business are also included in the top 20. As someone who has predominantly worked in communications for financial institutions, this shows me that while Medium may not be the main platform for discussing our services, there is still a base that we could reach on topics like innovation in banking.

It was easiest to find articles from personal users versus companies. In the beginning, I was a bit put off by articles that (at first glance) seemed to be fact-based but then contained no citations or supporting links. I think this is dangerous – it can blur the lines between opinion versus fact. What I found the most impactful were articles that shared a point of view but used links and sources to support their arguments. Photos were also a useful addition as examples to underline a statement or claim made by the author. 

I did find that once I started reading on certain topics, I was exposed to a new source of views and experiences from people of different backgrounds. One article I found very interesting was “Offend Easily? Keep Scrolling, Then, Friend.” by Catherine Pugh, Esq, part the series TOWN: Two Americas in One White Nation. 

The author used a combination of personal feelings and experiences supported by concrete facts and examples (with extremely detailed sources, such as the transcript of a speech given by Abraham Lincoln in 1857) told in a format that felt like a conversation while also being very informative. It was a truly an amazing and poignant piece to read - I plan to follow the TOWN series while also looking deeper into other series by the author. Articles and stories like this one are the main reason I will continue using Medium in the future. 

How are companies using Medium?

I was very interested to see how companies use Medium – are they trying to reach clients? Other industry professionals? The first companies I found were startups, tech companies, and entrepreneurial focused companies, such as Kickstarter and AirBnb. Their posts seemed to be an intriguing mix of service-related articles and stories and information on important topics. 

For finance and business, it looks like a majority of the more active posters were individuals who work (or previously worked) in the industry. 

Some of the large financial companies, like BNP, did have company profiles but they seemed mostly geared towards their tech and innovation teams. Other, like JP Morgan, had an account but no posts. 

Because of the lack of presence from certain industries, I think this could be a new platform for companies to start using to foster discussions on related topics.

Analytics

The platform does provide interesting data for journalists and companies. You can track not only how many people are opening your articles, but also how much time it is taking them to read it and if those readers reached the end of the post. In a time when readers tend to prefer short snippets of information, it is helpful to know the average time in minutes that it takes to read your posts and if people are actually finishing them.

Who else is using Medium?

It was difficult to find concrete user statistics for Medium. From a personal perspective, it seemed to me that it is a mix of professional and personal users between ages 20-40. An article from the Search Engine Journal reported that 70% of users are under 50, which makes Medium an interesting platform for targeting a younger generation of professionals. Additionally, 95% of users have a college education and over 45% make over six figures. This significantly narrows down the audience that a company can reach with Medium, but with 85 and 100 million monthly active users it could be ideal for large corporations, especially in industries where people fit that profile. With the main user populations being located in the U.S. and India – notably, countries where English is a native language – the strategy and tactics being used should be targeted to those groups. 

The lack of data on users and apparent diversity is a problem for me.

If I am going to use this platform in a professional sense, I would like to know more about who is reading articles on Medium. My industry is making an active effort to be more inclusive and appeal to a larger audience, and I feel that content needs to be adapted to different cultures. Are most of the readers female or male? Are they predominantly White or POC? Is there a large Veteran base? Is this a space where LGBTQ+ people from different backgrounds feel comfortable sharing their stories and opinions?

I could infer from some of this by comparing the data with income and college graduation statistics, and the results are not in Medium’s favor. Women and men are almost equally likely to have a college degree, but for other groups the are huge differences. 

Whites and Asians are overwhelmingly more likely to have a college degree, and the gap is equally pronounced in income statistics. 

Does this mean that a majority of users on the platform are White and Asian? If I want to learn more about the Queer experience, am I hearing from diverse voices in that community, or just a few? The same questions arise for veterans and active service members who have or are currently pursuing college degrees and the average salary of that population, both during and after their service. If I want to start a discussion on the support that veterans need to adapt to civilian and office life, am I going to be getting as many points of view as possible? 

Without concrete statistics to review, it’s concerning. As a user, it can be hard to tell, especially since so many of the articles I see are based on topics I chose to follow or past articles that I read. Especially considering these statistics, it worries me that the user base skews so far towards a highly educated and upper-middle/upper-class backgrounds. I think this creates a risk of discouraging readers from other backgrounds. Even if someone themselves does currently fit in these categories, they may not be exposed to the site if they are not from a similar environment. 

Final Thoughts

Overall, I think that Medium could be an interesting platform for companies to use to engage in conversations about specific topics with their customer base or other people in the industry. I appreciate the fact that articles are often told as stories and express comprehensive points of view. I would like to know more about who is using the platform, and I would like to have suggested stories that are not as based on whatever I just read. I think it is a great way to open yourself to others’ experiences and opinions on a large variety of topics, and I like that you can do a Series of posts on a specific topic.

From a corporate perspective, I think it would be interesting to do series dedicated to topics like Diversity & Inclusion and Innovation. It could be a good way to get an outside perspective and break down barriers for both corporate and personal use. I plan to continue to explore the platform to continue to educate myself on topics that are important to me, while also looking for more ways that I could use it in my work.

[124southmain]

Unemployment on Cook & Co. News

New Post has been published on https://cookco.us/news/unemployment/

Unemployment

Claims and Benefits FAQ

The following questions and answers have been selected to help you better understand the Unemployment Compensation Claim (UC) process and to become more comfortable with the terminology. These questions are targeted towards individuals filing their first unemployment claim.

Q. How do I file a claim? Online here https://labor.alabama.gov/uc/ICCS/default.aspx. You can also file your claim from any touch-tone telephone by calling the Initial Claims Line (toll free) at 1-866234-5382. Your call will be answered by an electronic Interactive Voice Response (IVR) system, which will ask you some initial questions. You will then be automatically connected to one of our friendly Customer Service Representatives to complete your claim. We recommend that you do not use a Cellular telephone for this process because calls may be dropped by your service prior to our system saving the information. If you are on a temporary lay-off and will be going back to work for the same employer, your employer may have arranged to file your claim at your place of employment. Check with your employer if you think this has been arranged.

Q. What do I need in order to file my claim? You will need your social security number and the name, correct address, and dates of employment for your most recent employer. In order to verify your identity, we will also need a driver’s license or state issued ID card number and your mother’s maiden name. If you are separating from the military, you will need the member 4 copy of your DD214. If you are not a citizen of the United States, you must provide us with your work authorization number.

Q. How long will I have had to work to be monetarily eligible for benefits? You must have wages in at least two quarters of your qualifying period (base period). The base period is the first four quarters (12 months) of the last five completed quarters from the date your claim is filed. For example, if your claim was filed effective October 5, 2019 your base period would the 12-month period beginning July 1, 2018 and ending June 30, 2019. The total of your base period earnings must equal or exceed one and one-half times your highest quarter earnings.

Q. Can I receive benefits if I quit my job or if I am terminated? Generally, you must meet certain requirements to be eligible. You must be able to work, available for work, willing to accept suitable work, actively seeking full time work, and be out of work due to no fault of your own. If you voluntarily quit your job, the burden of proof is on you to show that you quit for a good work-connected reason. If you are terminated or discharged, your employer must show that you were terminated for a workconnected cause as stated in the Alabama UC Law.

Q. Can I receive unemployment if I am working part time, my hours have been reduced by my employer, or I have been furloughed? If you did not ask for a reduction in hours, it is possible to receive unemployment if you are working and your gross weekly earnings are LESS than your weekly benefit amount. In order to determine what your weekly benefit amount would be, you must file an unemployment claim. If approved, you would report your weekly earnings from Sunday to Saturday each week. If you earn less than your weekly benefit amount, you would receive a reduced payment for the benefit week. Unemployment Compensation is paid on a calendar week basis and must be filed during the week you are unemployed or working reduced hours with earnings less than your weekly benefit amount.

Q. If my hours are reduced or I have been furloughed, will Unemployment Compensation replace my lost wages? No, unemployment compensation will not replace your lost wages by supplementing your lost income due to reduced work hours or a furlough. Whether or not a person is eligible for unemployment benefits is determined by the weekly benefit amount for which you qualify (maximum in Alabama is $275 a week) and your gross weekly earnings. If your gross weekly earnings are less than your weekly benefit amount, you would receive a reduced payment for that week. If your gross weekly earnings are greater than the weekly benefit amount for which you qualify, you will not be eligible for unemployment compensation.

Q. How soon after I am unemployed can I file for benefits? You should file immediately. Your claim will be effective the Sunday proceeding the day that you file for benefits either online click here or by calling 1-866-234-5382. Your claim is in effect for 365 days from that Sunday.

Q. How much can I receive each week? Benefits per week range from a minimum of $45 to a maximum of $275 (effective January 1, 2020) calculated using your base period earnings. On the day after you file your claim, a form is mailed to you (monetary determination) that lists all of your base period wages by employer and the total and weekly amount to which you may be entitled.

Q. Can I receive benefits during all of my benefit year? Generally, you will qualify for a set number of full benefit weeks ranging from 14-20 weeks. The maximum amount allowable for the benefit year is based on the unemployment rate. If you return to work or if you have deductible income for any week, you may draw reduced payments and increase the total possible length of time that you can draw. The total amount that you can draw for the year is the maximum benefit amount shown on your monetary determination.

Q. What if I have work in another state? When you contact the call center, a representative can help you determine if you need to combine your wages from other states to file a claim. You will need to be prepared to discuss the last 18 months’ work history for this information to be correct. The call center representative is trained to help you decided what type of claim will benefit you the most, and will provide you with these filing options.

Q. What if I am monetarily ineligible? No benefit year is established on ineligible claims. This allows you to file again when your base period changes. Be sure to ask for a specific date as to when the quarters will change so that you can file again as soon as possible if you are still unemployed. If you have worked for cash or received a 1099, this could have affected your unemployment benefits. Please email us at TipHotline@labor.alabama.gov or call 1-855-234-2856 for help.

Q. What if some of my base period wages are missing or seem incorrect? If your monetary determination has missing or incorrect wages, telephone 1-800-361-4524 immediately. A request for a re-determination may be needed, in order for us to locate missing or incorrect wages. If you have worked for cash or received a 1099, this could have affected your unemployment benefits. Please email us at TipHotline@labor.alabama.gov or call 1-855-234-2856 for help.

Q. When do I report earnings? When you file your weekly certification for benefits, you should report any wages you earn for any work performed during the week you are claiming. Remember—you report your gross earnings during the week in which they are earned, not when they are paid. This is a mistake that could result in an overpayment of benefits.

Q. How do I file my weekly certification? There are two methods to file your weekly certification. You can file online, click here, or you can call the weekly certification number provided to you during your Initial Claims filing process. In either case, be sure to follow all instructions completely.

Q. Why can’t I receive benefits if I am in the hospital, or can’t work for any reason, for a week or longer? You must be available to accept full time work and be able to perform work in which you have prior training or experience in order to be eligible for any week of benefits.

Q. When is my payment going to come? Weekly and very quickly, if you have followed all of the procedures provided to you, there are no issues to be resolved, and your claim has been cleared for payment. Occasionally, delays may occur but, normally, if you certify before 5:00 pm your payment is made on the next business day after you call in your weekly certification. If your payment seems unusually delayed, contact your Call Center Inquiry line. Remember to allow 48 hours for the payment to be processed by the bank handling your account or Debit Card. Payments will be made through either direct deposit or the AL Vantage Prepaid Benefits Card based on the option you selected. To access your AL Vantage Cars account information, click here.

Q. What Alabama banks accept the AL Vantage Card? You may use your new card at any MoneyPass ATM Network location. Please visit the MoneyPass ATM Network website at https://www.moneypass.com/atm-locator.html to find an ATM location near you where you can access your funds at no charge. You may also download the MoneyPass ATM Locator mobile app to search for in-network ATMs on the go.

Q. How can I avoid problems with my claim or weekly benefits? Read and listen to all of the information that is provided to you. There is a lot of information provided to you when you file your claim. If you do not understand something or you feel something is wrong, ask your customer service representative when you make your claim, or call the Inquiry Line. We are always happy to assist you.

Q: Is weekend drill pay from the National Guard or US Forces Reservists reportable income on my weekly certification? No, drill pay received from participation in National Guard or US Forces Reservists for weekend drills is not reportable income. Unemployment Compensation Law provides for exclusion of this type of pay from being considered deductible income. Any pay for work other than weekend drill is considered deductible income.

Q. May an ex-service person file an interstate claim, using military wages, to qualify for UC from a state, which pays a higher benefit level? No. Federal military wages are only assignable to the state where an ex-service person is physically located when the first claim for UC is filed following release from active duty.

Q. May a military retiree, who also has qualifying civilian wages, elect not to use their military wages in the monetary determination to avoid having his military pension deducted from UC benefits? No. All wages assignable to the state must be used in the monetary determination.

Q. Am I eligible for benefits if I quit due to the relocation of my military spouse? As a spouse of an active duty member of the military, you may be eligible for unemployment benefits if you leave your job due to the permanent relocation of your military spouse. You will be required to submit proof of the permanent duty station relocation and your spousal relationship. Certain other conditions must be met in order to meet initial eligibility requirements and to remain eligible to receive benefits.

Q. How do I establish eligibility benefits under the Trade Adjustment Assistance (TAA) Extension Act of 2011? Effective October 21, 2011, President Obama signed the Trade Adjustment Assistance (TAA) Extension Act of 2011. Petitions received by the Department of Labor will be investigated under the requirements of the Trade Adjustment Assistance (TAA) Extension Act of 2011. A petition must be simultaneously filed with the Office of Trade Adjustment Assistance and the Alabama Department of Labor to establish group eligibility for benefits. Workers or their authorized representatives may file the petitions. The required forms can be obtained from your Career Center. You can also download a printable form from the Internet, in English or Spanish by clicking the word English or Spanish in this sentence.

Q. What are Trade Readjustment Allowance (TRA) Benefits? TRA benefits are a weekly allowance which may be paid to eligible workers following the exhaustion of their regular Unemployment Compensation benefits. This is usually the same amount as the UC payment in effect or established by the first separation from employment.

Q. Who is eligible for TRA benefits? To be eligible for TRA benefits, you must be:  Totally laid off within the benefit period.  Entitled to and exhausted all UC payments.  Employed by the affected employer for at least 26 weeks at wages of $30 per week or more in the 52week period ending with the week of separation.  Be in approved training (or have that requirement waived). Important Deadlines: Within 26 weeks of certification or 26 weeks of the most recent qualifying separation, whichever is later, workers must be enrolled in approved training, or have a valid waiver, to receive TRA.

Q. If I have questions about TRA whom should I contact? If you have questions with your claim or have a question regarding Trade Readjustment Allowances, contact the Call Center Inquiry Line.

Q. What is the Health Coverage Tax Credit? The Trade Adjustment Assistance Reauthorization Act of 2015 (TAARA) has reinstated the Health Coverage Tax Credit (HCTC) for eligible TAA and R/ATAA recipients. The TAA program provides two options for an eligible individual to receive the benefit. Taxpayers may elect to file for HCTC with an end-of-the-year tax credit with their 2016 return. This program established a tax credit of 72.5% of the amount paid by an individual for qualified health insurance coverage. The advance credit option will provide the 72.5% of the payable premium for a qualified health insurance plan as a monthly credit. This amount will be forwarded by the Internal Revenue Service (IRS) to the qualified health insurance plan on behalf of the individual receiving advance credit. The taxpayer will be responsible for the payment of the 27.5% of the payable premium on a monthly basis. Until the advance tax credit option is implemented, taxpayers must continue to pay 100% of the payable premium for qualified health insurance. If you have questions regarding HCTC or need additional information, you may contact the IRS. Only the IRS can determine whether you qualify for HCTC. Please go to the HCTC website at www.irs.gov/HCTC for further information on how to apply for this credit.

Q. What is Alternative Trade Adjustment Assistance (ATAA)? Effective February 15, 2011, TAA reverts from the expanded program under the 2009 Amendments to the program in effect before, i.e., TAA is now operating under the 2002 Amendments. The Trade Act of 2002 established ATAA as a reemployment assistance program for older workers certified eligible to apply for Trade Adjustment Assistance. To obtain TAA or ATAA services and benefits, a group of workers must first file a petition with the U.S. Department of Labor’s Office of Trade Adjustment Assistance (OTAA) requesting certification as workers adversely affected by foreign trade. If certified, each worker in the group may then apply separately for individual services and benefits by completing and submitting the ATAA application (ATAA-1) which will be mailed to workers near age 50. Workers age 50 and older who are certified as eligible to apply for both TAA and ATAA may choose whether to participate in the TAA program or the ATAA program, but may not participate in both. The petition forms ETA9042 in English or ETA9042(a) in Spanish, for requesting TAA and ATAA can be downloaded by clicking their respective links. The program is designed to allow TAA eligible workers who find reemployment to receive a wage subsidy to help bridge the salary gap between their old and new employment. Under the ATAA program, workers in an eligible worker group who are at least 50 years of age; earn not more than $50,000 each year in wages from reemployment; are employed on a full-time basis and are not enrolled in approved training. The wage subsidy may be paid up to a maximum of $10,000 during a two-year eligibility period. Workers are also eligible for the Health Coverage Tax Credit (HCTC).

Q. What is the Waiting Week and will I receive payment for it? The Waiting Week was implemented by legislation effective July 2008, as an unpaid period for all Unemployment Compensation recipients. In the 2012 Alabama legislative session, the waiting week was moved from the 14th payable week to the 1st payable week for all new claims effective on or after August 1, 2012. Even though benefits cannot be paid for the waiting week, for it to count as the waiting week, it must meet the requirements to be payable and a weekly certification must be filed for that period. No funds are deducted from a claim for the waiting week.

[mensbodybuildingtips]

How to Eat Healthy Foods on a Budget

Despite the increasing costs of food, you can still consume healthy foods on a budget. Right here's how.

Many people assume that consuming healthy is coming to be harder and harder nowadays unless you're eager to blow half your income on groceries every week.

A excellent debate could be made to consume natural, however it can cost an arm and also a leg.

Eating a lot of cheap, processed meats presents serious health threats, however discovering premium, economical alternatives could be tough.

According to research conducted by the University of Washington, consuming healthy can cost up to 10 times as high as living off unhealthy food. Is it really that bad? Well, a lot more on that in a second.

Thus, it's not surprising that it's ending up being type of trendy to "consume junk as well as get shredded," thanks to the surge in popularity of nutritional protocols like If It Fits Your Macros.

While it's true that you can develop muscular tissue and shed fat eating low-quality food (HOW MUCH you consume is what matters most, not WHAT), these sorts of diets typically aren't lasting in the long run as a result of micronutrient shortages as well as various other health-related problems. And allowed's not neglect how pricey bad health and wellness can come to be, especially when conditions end up being chronic.

By sticking primarily to healthy and balanced foods, you will delight in improved energy levels, immune health, cognitive performance, and a general sense of health. As well as anecdotally speaking, the people with the very best bodies I can think about get the vast majority of their calories from healthy and balanced foods, with just a small section originating from low-grade indulgences.

So, how do we address this problem, after that? Well, thankfully, eating healthy isn't really as costly as some people assert. If you want to do a little dish planning and also add some variety to your diet plan, you could eat healthy and balanced without breaking the bank.

Cheap Sources of Healthy Protein and also Fat

Here are my preferred healthy, economical sources of protein:

Eggs.They are among the finest well-rounded resources of protein, with about 6 grams per egg, and also are also a wonderful source of healthy and balanced fats. Eggs also have several wellness benefits such as minimizing the threat of apoplexy, as well as increasing blood focus of 2 effective anti-oxidants lutein and also zeaxanthin.

Oh, and also if you're afraid that the cholesterol in eggs will boost your danger of heart disease, this myth has been completely disproved by both epidemiological and medical research.

With an ordinary rate has to do with $0.20 per egg, or $2 per dozen, they're tough to defeat in regards to nutrition and price.

Chicken breast.There's a reason that fitness-minded individuals eat a lot poultry: it economicals, very high in protein, as well as reduced in fat. A pound of hen breast has concerning 100 grams of healthy protein, as well as will cost you regarding $3.50.

While it's true that chicken's omega-6 and -3 ratios run out whack (concerning 10:1, whereas beef is about 2:1), we can quickly take care of any kind of imbalances by supplementing with fish or krill oil or eating fatty fish like salmon, tuna, trout, herring, sardines, or mackerel (which we must all be doing anyhow).

Packaged/ canned salmon as well as tuna.Both are terrific sources of healthy protein as well as omega-3 fats, which could assist safeguard us versus a wide selection of disease.

Salmon includes concerning 22 grams of healthy protein as well as 12 grams of fat per 4-ounce serving, as well as expenses under $2. Tuna procedures in at around 40 grams of healthy protein as well as 2 grams of fat each 6-ounce can, at an average expense of around $1.50.

My favorite uses are making salmon hamburgers, and also blending tuna with Greek yogurt or chopped veggies.

Almonds.These are without a doubt my favorite kind of nut. They're tasty and also healthy, with a handful (about 15) considering in at 9 grams of healthy fat, 4 grams of protein, as well as simply under 4 grams of carbohydrates. Like eggs, they additionally come with included health advantages, such as a lowered threat of diabetic issues, and lower body weight.

Almonds set you back about $0.50 per ounce (25-30 nuts), making them simple to fit right into any budget plan. They're fantastic by themselves, and work out in cold grains like granola or muesli, and hot grains like oatmeal. My favored method to consume them, nevertheless, is to get fresh ground almond butter. It's scrumptious on its own, however truly shines when you incorporate it with some fruits like bananas or apples.

Low-fat cottage cheese.You can acquire a 1/2- mug serving of low-fat cottage cheese for less compared to a dollar, and you get 14 grams of healthy protein and just 1 gram of fat. I think it tastes wonderful with just a dash of salt and also pepper, however also like it with fruit like pineapple or berries.

Protein powder.If you're choosy, protein powder can in fact be really cost efficient.

For instance, if you going to www.truenutrition.com as well as develop a 100% whey isolate with all-natural chocolate flavoring as well as stevia sugar, it will certainly cost you about $11 each extra pound. That's 405 grams of protein for $11!

Avocado.This is just one of my favored sources of monounsaturated fat (one avocado consists of concerning 15 grams), which can improve cholesterol degrees, lower the risk of heart disease, and also boost mind function. In addition to that, avocado has lots of cancer-fighting phytochemicals.

You could do more with it compared to just make guacamole, also. It goes fantastic with eggs, in soups, as well as in salsas. The costs change due to seasonal highs as well as lows in both demand as well as manufacturing, they typically range between $1-2 per fruit, and also each fruit can last numerous food servings.

Cheap Sources of Healthy Carbs

That stated, the most prominent types of carbohydrate below in the states are processed scrap foods, which could position serious health risks if eaten also routinely for too long. On the various other hand, regular intake of nutritious carbs has actually been connected with a reduced threat of persistent disease.

Here are my preferred resources of cheap, healthy carbs:

Oats. One cup of completely dry steel reduced oats loads simply over 50 grams of carbohydrates, 10 grams of healthy protein, and 6 grams of fat.

You could get it in bulk for concerning $1 per extra pound, as well as it's a terrific source of medium-GI carbohydrate and dietary fiber. Research has likewise indicated that oats can lower degrees of LDL (" bad") cholesterol.

Oatmeal is a staple in several bodybuilders' diet plans, yet you could even replace combined oats for flour when baking, or as breadcrumbs or breading for sprucing up hen dishes.

Black beans.Black beans are outstanding resource of carbohydrates in addition to potassium, calcium, folic acid, and fiber. One cup has concerning 40 grams of carbs, 15 grams of protein, and 1 gram of fat, as well as you can purchase them for about $1 per can, or in bulk (dry) for even less.

Boil them up and also they make a wonderful side to any kind of healthy protein recipe, yet they're likewise best for making soups and dips.

Brown rice.Like oatmeal, wild rice is a "go-to" food for the majority of us physical fitness individual, as well as for good reason.

You could pick it up dust cheap-- around $2 each extra pound-- as well as one mug gives near 45 grams of carbs, 5 grams of healthy protein, and also 2 grams of fat, and also has almost 4 times the fiber as white rice, along with more vitamins, minerals, as well as various other useful micronutrients.

A far better nourishment account as well as lower score on the glycemic index make wild rice a better choice than white. Research study has actually connected high levels of consumption of refined grains such as white rice with a raised danger of developing type 2 diabetic issues, whereas normal intake of whole grains such as wild rice has been related to a minimized risk.

Quinoa.It may be hard to pronounce (keen-wah), yet it's easy to prepare, very delicious, low-cost (concerning $4 each box), and loaded with healthy protein as well as carbs.

One mug of dry kernels has a 110 grams of carbohydrates, 24 grams of protein, as well as 10 grams of fat, and also it can be prepared similarly as brownish rice.

Fruit.You truly cannot go incorrect with fruit. My favorite selections are grapes, apples, bananas, and also oranges, which are full of a range of anti-oxidants, vitamins, minerals, as well as fibers. As well as cost? All array between $0.60 and $1.50 each pound.

Sweet potato.Sweet potatoes allow you seem like you're cheating when you're not. They could be dessert pleasant, they're in the middle of the glycemic index, as well as they're complete of vitamin An as well as other micronutrients.

One mug of mashed pleasant potato gives you with around 60 grams of carbohydrates, 4 grams of healthy protein, and much less than 1 gram of fat. At a modest expense of concerning $1 per pound, you can not afford to leave the sweet potato from your diet.

You Can Eat Healthy Foods on a Budget

So there you have it, it IS feasible to eat healthy and balanced without maxing out your credit history cards.

In fact, you may even save money if you utilize a couple of other tricks like getting frozen veggies, purchasing in mass, focusing on sales and just what's in and from period, and also preparing your food in batches so you can use everything you buy.

And let's not fail to remember that the supreme value of eating healthy-- long life, vigor, as well as healthsome living-- is difficult to place a cost tag on.

[sandranelsonuk]

16 Bloggers Who Make Enough Money to Travel the World in Style

Hands up if you’ve ever seen headlines like these:

“Why I Quit My Job to Travel the World”

“Man Who Quit 9-to-5 Job Makes $1 Million While Traveling the World”

“3 Ways to Quit Your Job and Travel the World Without Going Broke”

My guess is that you have, because I see these headlines around everywhere. I’ve even written a few of them (hint: the last one).

And let me guess …

When you see a headline like that, you’re a bit skeptical. You check Google Analytics and with your meager traffic, you can’t imagine ever being able to quit your day job to go on an epic adventure, let alone make money while doing it.

But I have news for you.

It’s possible.

Not only that, but more bloggers than ever are doing it.

They’re doing it without having to pinch pennies, without having to stay in cheap, bed-bug-ridden hostels, and without going broke.

In this article, we’ll meet 16 bloggers who  are doing this exact thing. We’ll take a look at how their blogs make money, where they’re choosing to spend their time, and even the downsides of building a location-independent lifestyle.

Let’s jump in.

Blogger #1: Paula Pant from Afford Anything

If your bank account balance makes you shudder every time you look at it, you might not agree, but …

You can afford anything. Just not everything.

At least, that’s what Paula Pant thinks.

Paula went from an office job in Colorado, earning $25,000 per year, to a personal finance blogger earning a 6-figure income.

Her blog is focused on financial independence, and has helped her take 14 trips last year alone — 5 international and 7 within the US.

Real wealth is not having to go to the office on a sunny day. ☀ (Who cares what you drive, or what brands you wear, or about any of the rest of that noise?)

A post shared by Paula Pant (@paulapant) on Feb 10, 2017 at 1:00pm PST

On a typical travel day, Paula spends about half of it working (maintaining hardcore focus), and the other half exploring with her partner, Will.  At the end of the day, she typically clocks almost 8 hours of productive work (and just to be clear, while the average office worker is at work for 8.8 hours per day, they’re only productive for 3), proving that bloggers don’t get a free pass to do nothing even when they’re traveling.

Let’s look at a few awesome-to-sucky ratios from the day:

Time Gawking at Gorgeous Mountains: 80 minutes

Time Cursing the Crappiness of Powerpoint: Constant

Here’s another one:

Time Spent in Hot Springs/Hiking: 1 hour, 30 minutes

Time Spent in Transit: 8 hours, 45 minutes   (includes work overlap)”

So make no mistake, blogging while traveling the world involves work. But those moments in the mountains and hot springs sure are worth it.

How she makes money: Paula allows her readers to book consulting sessions with her for $5/minute, takes on clients, and earns money through affiliate income and podcast sponsorships.   Her special blogging power: Paula’s special power is simple: producing less crap, and more massively useful content, publishing only when she has something amazing to put out.

  Blogger #2: Nat Eliason from NatEliason.com

You may have heard rumors that the “riches are in the niches”, and that may be true … for some bloggers.

But not for Nat Eliason.

Nat runs the popular blog NatEliason.com, and his claim to fame is a lack of an overarching theme. He’s proving that you don’t have to be Tim Ferriss to blog about what you’re interested in, as long as you put in the work.

Nat moved to Argentina after a stint of digital nomading across the world: Paris, Austin, New York, Colombia, Florence, and even the Antarctic.

Antarctica Day 6/11: The geography and ice in Antarctica is itself gorgeous. This gives some sense of scale of how quickly these icy mountains rise out of the ocean, that's our ship (roughly 10 stories tall) in the bottom right. (This is the "real" day 6 now)

A post shared by Nat Eliason (@nateliason) on Jan 15, 2017 at 4:03pm PST

But it’s not all pretty.

There’s what he calls “the void.”

After he took his blog full-time and built his own four-hour work week, he found that he just wasn’t happy.  

“As soon as you get that freedom, you realize that a fundamental part of being human is doing things, and once you have no things you need to do you can get listless and depressed.”

So while freedom is a worthwhile goal, keep in mind that you’ll need to fill that void somehow.

How he makes money: Nat monetized his blog through creating products: books, courses, even an app. He’s taken on consulting clients and works somewhere around 20 hours per week.

His special blogging power: Nat’s special power is his understanding of marketing. Without it, his blog wouldn’t have been successful and neither would his products.

  Blogger #3: Michelle Schroeder from Making Sense of Cents

We’ve seen one example of a personal finance blogger already, but this personal finance blogger does things just a little differently.

Michelle Schroeder from Making Sense of Cents started her blog in 2011 and since then has grown it to become a massive success. She blogs with her husband and two dogs from the road, putting a whole new meaning to the term “location independent.”

Michelle and her husband travel from place to place in their RV, taking their dogs on adventures and exploring national parks.

That means that they explore in the daylight and work in the evening as much as possible.

Our final day in Yosemite!

A post shared by Michelle Schroeder-Gardner (@michelleschro) on Apr 14, 2017 at 2:14pm PDT

Michelle is in it for the long-term game. She knows blogging isn’t a get-rich-quick scheme. It took her years to earn the income she does from her blog.

She inspires her readers to persevere and stick with their own goals so they can reach the success she has.

How she makes money: Michelle earns money from her blog through sources like affiliate income, courses, and advertising.

Her special blogging power: Consistency and transparency. She’s been writing on her blog for six years and has maintained massive consistency. Since she’s publishing regularly, she’s developed a massive audience.

  Blogger #4: Amber Fillerup from Barefoot Blonde

Think that most bloggers who are able to travel the world have the privilege of little responsibility?

This next blogger might change your mind.

Amber Fillerup Clark is the blogger behind the massively popular lifestyle blog, Barefoot Blonde.

She lives in Hawaii when she’s not traveling to places like Paris, Australia, and Japan, and she runs her blog and social media accounts from wherever she happens to be at the time.

And also takes care of her one- and two-year-old children, Rosie and Atticus.

She started her blog with a very different focus: to document a service trip to Fiji. When she returned to the US, she continued updating her blog from school, having to borrow her dad’s digital camera to take pictures.

☺

🤗

A post shared by AMBER FILLERUP CLARK (@amberfillerup) on Apr 2, 2017 at 1:04pm PDT

After getting a couple of brand sponsorships, she decided to take her blog more seriously and focus on it full-time.

Now, her husband works with her on their blog business, managing photography logistics, and they spend much of their days taking photos for Barefoot Blonde’s Instagram and Pinterest accounts.

How she makes money: She turned her blog into a business with her own hair extensions line and also engages in brand sponsorships on social media.

Her special blogging power: Amber’s special power is visual content and social media. She and her husband pour their energy into creating a visually appealing brand to inspire readers through photography.

  Blogger #5: James Clear from JamesClear.com

Let me guess.

Building the freedom to travel into your career wasn’t the only reason you wanted to start blogging.

You probably also wanted to start blogging to make an impact. Right?

If you’re nodding along, I have good news: this next blogger proves that both of these outcomes are possible.

James Clear is the blogger behind JamesClear.com, a self improvement blog that helps his readers lead better lives through habit change. He’s a weightlifter, photographer, and international traveller.

Stonehenge. 4,000 years ago some crazy people decided to spend years dragging these giant stones across the countryside and placing them carefully in a circle. A for effort, ya'll.

A post shared by James Clear (@james_clear) on Oct 5, 2016 at 6:24am PDT

At the beginning of his blogging career, he published articles every Monday and Thursday, and his consistency paid off. He amassed an email list cult following of over 400,000 people.

He did this while traveling to places like the Bahamas, Iceland, Peru, Scotland, and Vietnam … all in one year.

How he makes money: James sells his products (online courses and books) through his email newsletter. He doesn’t sell anything directly from his blog.

His special blogging power: His special power is simplicity and massive productivity. James doesn’t get distracted by the million things he could be doing. He focuses on what’s working and does more of it.

  Blogger #6: Brandon & Dan from Zen Dude Fitness

Let’s say you wanted to start a blog about fitness.

But you weren’t sure how to monetize it in a way that would still give you that sense of freedom and flexibility you crave. After all, personal training isn’t exactly location-independent.

Enter Zen Dude Fitness.

Zen Dude Fitness is run by Brandon and Dan, two friends who lost 130 lbs. combined after years of struggling to do so.

Should you be lifting weights? Depends on where you are right now and where you want to go. Watch our most recent YT video to find out if you should be lifting weights with your jump rope regimen or if you're someone who should stick to bodyweight workouts. Click link in bio to watch now @zendudefitness . . .

A post shared by Zen Dude Fitness (@zendudefitness) on Nov 5, 2016 at 10:34am PDT

They’re the type of location-independent bloggers who aren’t always on the move. They packed up their life in the US to move to Colombia, where they create YouTube videos to inspire their audience to get fit.

If you don’t value always being on the go and want to explore one place more deeply while also living a location-independent lifestyle, look to Brandon and Dan for inspiration.

How they make money: They monetize their blog through courses and even physical products (like jump ropes) and enjoy freedom and flexibility to do what they love while enjoying the world.

Their special blogging power: Their special power is executing. Even if they have to push past their limiting beliefs to do so.

  Blogger #7: Benny Lewis from Fluent in 3 Months

Benny Lewis, blogger at the popular language learning blog Fluent in 3 Months, is a “full time globetrotter”, traveling to exotic places like Brazil, Belgium, Taiwan and China.

He travels cheaply, blogging from the road and holding events in whatever locale he ends up in.

But it wasn’t always this way.

Benny started his blog after six years of full-time travel. His main motivation for starting his blog? A challenge he made for himself: learn Czech in 3 months. He began to blog for accountability, with the intention of growing his readership.

Just got into São Paulo, or as locals call it, "Sampa". It's great to be back in my favourite country, and speaking Portuguese again. Here for a friend's wedding and to enjoy life!

🤵

This is a view of the iconic Octavio Frias de Oliveira bridge over the Pinheiros river.

A post shared by Benny Lewis (@irishpolyglot) on Nov 16, 2016 at 6:46am PST

Benny admits to not getting much sleep, waking up early to work and staying out late to enjoy the city he’s in. But, there’s no “normal” for a traveling blogger:

“In Rio I worked most of the day from a penthouse apartment with a breathtaking panoramic view of the city and in India I had a hut with no hot water or kitchen where the power would go out several times a day. There is no typical for a traveling blogger!”

From struggling to find Wifi to traveling to cities with power outages and unreliable transportation, it’s not always a walk in the park, but the pros outweigh the cons.

How he makes money: He initially monetized by writing a “Language Hacking Guide” and offering Skype consultations. He then launched his best-selling book and language learning courses.

His special blogging power: Benny’s special blogging power is mastery. He’s done exactly what he teaches his readers to do on his blog, and his deep knowledge of language learning helps him create compelling and useful content for his readers.

  Blogger #8: Steve Kamb from Nerd Fitness

Some people build a business from their blogs and find themselves in the fortunate position  of being able to live a location-independent lifestyle.

Others, like Steve Kamb from Nerd Fitness start their blogs with the intention of building a location-independent career in hopes of fulfilling their travel dreams.

After reading Tim Ferriss’s 4-Hour Workweek, Steve started building his now-popular fitness blog so he could achieve more freedom and flexibility in his career.

By 2011, Steve had built his blog up enough that he was able to take off on a round-the-world trip, visiting 4 continents, 9 countries and 15 cities over the span of 35,000 miles.

I see you Copenhagen.

A post shared by Steve Kamb (@stevekamb) on Dec 28, 2016 at 6:29am PST

The downside?

Steve was traveling alone during that initial trip, and while he enjoyed it, he found it to be lonely. Not only that, but the limited amount of work he did on the road (while following the 4-Hour Workweek model) taught him that he actually enjoys working on his blog … and wanted to do more of it.

How he makes money:  Steve afforded his travels through his blog, monetizing with merchandise, his online fitness course, and ebooks.

His special blogging power: Steve’s special power is uniqueness. Steve saw a need in the blogosphere for something that didn’t exist when he was looking for it: information on getting fit that could be communicated in a way that it could be understood by anybody.

  Blogger #9: Anthony Metivier of Magnetic Memory Method

If you’ve ever wondered whether you niched down a bit too much, Anthony Metivier’s blog might put those fears to rest.

Unlike many of the other bloggers I’ve mentioned who run blogs in popular niches, Anthony Metivier took a different path.

Anthony is the blogger behind Magnetic Memory Method, which teaches people how to improve their memories.

Not exactly your run-of-the-mill blog topic, but Anthony has turned his blog into a massive success.

Originally from Canada, his blog has helped him move to Germany and then travel to places like Israel, Egypt, Australia, and more.

How he makes money: Anthony uses his blog to sell his books and programs about memory improvement and language learning.

His special blogging power: Anthony’s special power is masterful productivity. He never stops producing; from blog content to books and courses, he doesn’t rest on his laurels.

  Blogger #10: Cait Flanders from CaitFlanders.com

In 2011, Cait Flanders was deep in credit card debt, and had one goal: to get herself out.

She started her blog to keep herself accountable to paying it off, and since then it’s evolved from a debt blog to a minimalism and slow living blog.

Cait took off on a road trip across Canada and the US in 2016, covering over 17 States and 6,900 miles, and and has been exploring North America since she quit her job in 2015.

The first thing I noticed when I crossed the state line was how green Minnesota is. Everywhere I look, there's more green green green. My first night here was perfect: @anthonyongaro @amy.ongaro and I went to @birchwoodcafe (where I had the best turkey burger of my life) then walked around the falls for a bit, where we ran into friends who gave me a list of things I must do when I'm in Colorado. Little did they know, I never want to leave here.

#simpleyear #day236 #greatamericanroadtrip #roadtrip #minnesota #minneapolis #mpls #onlyinmn #citybynature #solotravel #campercait

A post shared by Cait Flanders (@caitflanders) on Aug 23, 2016 at 6:33am PDT

As far as what life looks like for Cait while she’s traveling, it’s not all glamorous.

Conflicted between working and exploring the cities she found herself in, she quickly found that nobody talks about the difficulties of the location-independent lifestyle.

“I couldn’t have gone on this road trip at all, if I still had a full-time job. But working for yourself is still a job — and trying to work on the road is even harder than working at home.”

Still, if you’re willing to make some sacrifices and put in the work, you can do it, too.

How she makes money: Her product offerings include physical products like her Mindful Budgeting planner, as well as  a digital budgeting program.  She also does freelance writing to round out her business, using her blog as a portfolio.

Her special blogging power: Cait’s special power is authenticity and genuine connection. She listened to her audience to build products that they really wanted.

  Blogger #11: Colin Wright from Exile Lifestyle

In 2009, Colin Wright sold everything he owned that wouldn’t fit in his suitcase, scaled down his business, and started his blog, Exile Lifestyle.

This was a drastic change from the corporate career and consumerism excess he left behind.

Since then, Colin has traveled full-time, spending a few months in each country before moving onto the next destination.

Railay Beach in Thailand. #railay #beach #krabi #thailand #asia #travel #island #ocean #sky

A post shared by Colin Wright (@colinismyname) on Feb 6, 2017 at 5:57pm PST

He’s visited over 60 countries, and lived in 8, all while running his businesses from the road.

Exile Lifestyle is where he publishes articles about his life and businesses.

How he makes money: Colin earns money from his blog through books, speaking engagements and newsletter sponsors. He also runs the podcast Let’s Know Things, which he monetizes through sponsorships.

His special blogging power: Colin incorporates his personal strengths into his blog for his special blogging power — simplicity. Colin doesn’t complicate blogging; even his blog design is simple, attracting a strong readership.

  Blogger #12: Jodi Ettenberg from Legal Nomads

Ever want to visit Siberia?

Yeah, me neither, but Jodi Ettenberg from the popular travel and food blog Legal Nomads did — so much so that she quit her six-figure job as a lawyer to do so, turning her blog into her new career so she could travel as much as she wants.

She used to live on the road, living out of a backpack and traveling to locations like Italy, Japan, Vietnam, and Spain while working on her blog. Now she lives in Mexico and travels for just 4-6 months of the year.

That time I drove 12 hours from Marrakech to M'Hamid, including the beautiful High Atlas pass. This was one of those trips where you just get out of the car and stare around in awe at what the world is capable of showing you. Full write up of the insanity of driving in Morocco here: http://www.legalnomads.com/driving-in-morocco/

A post shared by Jodi Ettenberg (@legalnomads) on Jan 18, 2017 at 10:08am PST

Jodi lives and works where she wants, enjoying the flexibility she built into her blog business. That’s not to say there are no challenges with living the lifestyle she does; she just deals with them as they come.

How she makes money: Jodi is all about full disclosure, citing the many ways she earns money through her blog, from hand-drawn food maps to freelance writing, speaking, books, consulting, courses, and even food walks in the cities she visits.

Her special blogging power: Jodi’s special power is storytelling. Jodi’s commitment to storytelling in blogging allows her readers to feel as if they can build a deeper connection with her.

  Blogger #13: Matthew Kepnes from Nomadic Matt

In 2006, Matt Kepnes quit his cubicle job and took off on a round-the-world trip.

A round-the-world trip that he’s still on to this day.

Matt is the blogger behind the ultra-popular travel blog, Nomadic Matt, where he blogs about his travels across 80 countries and territories, helping his readers travel more for less money.

His corporate escape plan included starting his blog, finishing his MBA, and booking a one-way ticket to an adventure around the world.

So pretty! #uae #abudhabi #grandmosque

A post shared by Nomadic Matt (@nomadicmatt) on Sep 13, 2016 at 4:45pm PDT

When he’s on the road, he works in the morning and early evening to leave time for him to sightsee during the afternoon and after dinner.

How he makes money: Matt doesn’t monetize his blog like other travel blogs. Instead of doing sponsored trips and posts, he monetizes by adding value through ebooks, courses, and  affiliate marketing. This allows him to maintain the laptop lifestyle without having to return to that cubicle job he so successfully left.

His special blogging power: Matt’s special powers, as you can easily tell from the testimonials on his site, is his ability to inspire. Just like he was inspired by five backpackers he met in Chiang Mai to fulfill his dreams of full-time travel, he pays it forward by inspiring his readers and helping them realize their own travel dreams.

  Blogger #14: Josh and Ryan from The Minimalists

Most of the bloggers in this guide travel because their blog businesses allow them to have built a location-independent career.

Josh and Ryan from The Minimalists travel because their blog business requires them to.

What do I mean?

Well, the two friends who started the popular minimalism blog together in 2011 have monetized their blog by writing a book — one that required them to go on 100-city book tours across the country.

They also tour America to host events (live versions of their podcast, The Minimalist), and plan to take their tours overseas.

Boston! We just confirmed our first tour stop of 2017: "The Minimalists Live" in Boston on April 15th at the historic Wilbur Theatre, where we'll present an in-depth talk about minimalism and host a live version of our podcast. Presale tickets will be available in two days, starting this Wednesday, January 18th, at noon EST, which means our audience gets first access to the best seats in the house. Simply visit our tour page at Minimalists.com/Tour and use the code “boston” during the presale window to get your tickets before they go on sale to the general public. (Note: 100% of the profits from this pre-sale go toward building an orphanage. It's also worth noting that last year's Boston event sold out fairly quickly, so get your tickets ASAP.) #LessIsNow #LessIsNowTour

A post shared by The Minimalists (@theminimalists) on Jan 16, 2017 at 8:45am PST

Packing everything they need in a carry-on bag, with the 20/20 rule in mind where they “don’t bring anything [they] think [they] might need that can be replaced for $20 in less than 20 minutes,” they hop in their car and take off.

But in 2010, their lives looked different. Instead of having a thriving blog that allowed them to spread a message they were passionate about and travel while doing it, they both worked in traditional careers where they scaled the corporate ladder, accumulating “stuff” as status symbols.

But when Ryan was laid off and Joshua quit, each from a six-figure career, they banded together to build a better life for themselves.

How they make money: They turned their blog into a business through selling books, podcast sponsorships, one-on-one mentoring, and even writing classes.

Their special blogging power: Clearly, their special power is the face-to-face connection that live events provide.

  Blogger #15: Chris Guillebeau from The Art of Nonconformity

You may have already heard of Chris Guillebeau.

He’s the best-selling author behind The $100 Startup, Born for This and The Happiness of Pursuit.

He’s also the mastermind behind some of the digital world’s best conferences, like the World Domination Summit and The Art of Nonconformity.

He’s travelled to every single country in the world, launched several online businesses, and has been featured in The New York Times, Wired, The Globe and Mail, and on NPR (to name a few).

Early morning skies over Sydney Central Business District. No filter… because this city needs no filter. Coming up next: 15 hours to Abu Dhabi and beyond!

A post shared by Chris Guillebeau (@193countries) on Feb 21, 2016 at 10:19pm PST

But before the books, the conferences, and the Internet fame, there was his blog.

Chris started The Art of Nonconformity in 2009 as an experiment: could he become a full-time writer online in under a year?

It turns out he could — it took him 279 days to become an “overnight success.”

How he makes money: Chris spun his blog into many best-selling books, conferences, courses, ebooks, and digital products, not to mention a daily podcast.

His special blogging power: Chris’ special power is his approachability. From responding to reader emails no matter how full his inbox may be, to featuring reader stories on his blog, he makes sure he’s accessible for his readers.

  Blogger #16: Sean Ogle from Location Rebel

Eight years ago after going on a trip, Sean Ogle decided he wanted to travel more.

So after a lot of research, he worked up the nerve to ask his boss at his financial analyst job to work remotely. But despite asking nicely, Sean’s boss shot down his request.

So he did what any sane person would do:

Quit his job, sold his car, and booked a one-way ticket to Thailand from which he spent the next seven months traveling Southeast Asia, building his blog, and earning money through freelance SEO as he travelled.

Sean’s story proves that you don’t have to have an already-successful suite of product offerings on your blog to make this lifestyle work.

Hey, YOU! Checked out Location Rebel yet? Better get on it or you're gonna miss out on epic skydiving adventures (or really good blog posts) …

A post shared by Sean Ogle (@locationrebel) on Nov 22, 2016 at 7:56pm PST

He started with the lowest-hanging fruit: finding freelance clients and working one-on-one with them while he built his blog business on the side.

Now he teaches his readers how to do the same (from wherever he is in the world) on Location Rebel.

How he makes money: This is made possible by Sean’s online courses, programs, and products, so he can travel the world in style without having to sacrifice on comfort. Sean’s also built up niche sites such as his golf blog, Breaking Eighty, which brings in extra income to fund his lifestyle.

His special blogging power: Sean’s special blogging power is cohesiveness. Sean’s brand is focused, clear, and cohesive, attracting a strong readership that’s never left confused.

  Blogger #17: You

Traveling the world while you blog isn’t a privilege specific to these 17 bloggers.

They weren’t born with the successful-blogger gene, and most of them started exactly where you are now: with an idea, a few articles under their belt, and a passion for their topic.

It doesn’t matter if you started your blog last week, last year, or in 2010.

It’s not always glitz and glamor, but if you focus on building an audience, choose the right model to make money from your blog, and maintain massive discipline, you can earn enough money with your blog to become a digital nomad and travel the world in style, too.

Just make sure your passport is up to date!

About the Author: Sarah Peterson writes insanely useful guides on marketing and entrepreneurship at Unsettle.org. Get her report, 10 Free Tools That Reveal the Product Your Audience Is Begging For to finally start making money from your blog … the right way.

from Julia Garza Social Media Tips https://smartblogger.com/how-to-make-money-and-travel/

[meraenthusiast]

5 Steps: How To Become a Millionaire In Your 40’s

5 Steps: How To Become a Millionaire In Your 40’s

Want to be a millionaire?

Most doctors and other high-income earners should have an easier time to obtain millionaire status versus the average person.

But they face two major hurdles:

#1 Late start

#2 High debt

Depending on your profession, you may not start earning a steady paycheck until well into your 30’s.

Combine this with the typical amount of student loan debt that goes along with professional training and you’ve set yourself up way behind the pack.

Unfortunately, many docs stay in this poor financial position much longer than they should even with a six-figure income.

Good news…help is on the way!

One of the reasons that I started this site was to take doctors down a path from high debt to financial freedom.

And setting your sites on millionaire status is a great place to start.

How Do You Calculate If You Are a Millionaire?

In Chris Hogan’s book, Everyday Millionaires, he states that there’s two components to the word “millionaire”:

emotional component

mathematical component

At the emotional level, people want to eventually experience financial independence (FI).

They want to live life the way they choose to, not chained to a JOB (just over broke).

But the mathematical component is where confusion comes into play as many aren’t sure what the definition of a millionaire actually is.

Hogan defines a millionaire as someone with a net worth at or above $1 million dollars.

This is the same definition the authors of the classic book, The Millionaire Next Door, used as well.

Their formula states:

Net worth = Assets – Liabilities

So if Dr. NW owns a $400,000 condo yet owes, $200,000, his equity in the home would be $200,000.

If he also had:

$50,000 in a 401k

$8,000 in a savings account

$2,000 in a checking account

$10,000 value in his paid-for-car

Total Net Worth = $370,000

Got it?

What Percentage of 40 Year Olds Are Millionaires?

According to Statista, here are the distribution of U.S. millionaires in 2019 by age:

  Image from Statista

According to the above diagram, only 15% of the U.S. millionaire population is younger than 50 (6% + 2% + 7% = 15%).

If you’re a sub-50 year old millionaire then congratulations, you rock!

If You Can’t Beat Em… Join Em

We’ve discussed what it takes to become a millionaire time and time again. There are many different ways to achieve this so I won’t waste your precious time going over each and every one.

What I am going to do for you is take the BEST investing tactics I feel that doctors can use to become a millionaire within the shortest time period.

I’m going to mainly focus on habits of millionaires and how we can use them to better our finances.

Let’s dig in….

5 Best Investing Tactics of Millionaires

#1 Start Early

I can’t stress this enough. The longer you wait, the harder it’s going to be.

This is especially true for doctors due to the late start making real money. But that’s OK as their above average income can help make up for lost times.

Starting early allows you to take advantage of compound interest which is how you earn interest on your interest.

Interested? 🙂

Check out this example from Bankrate.com’s Save a Million Dollars Calculator.

I plugged in some numbers for two different scenarios that I felt would be attainable by most doctors:

Example #1

For the 35 year old doctor starting with no savings and wanting to save a million dollars by age 60:

It would only take saving $1,275 a month with a 7% expected rate of return to bank a million bucks. Should be easy making six figures.

But the purpose of this article is how to do it much earlier in life.

Here’s a different scenario.

Example #2

33 year old doctor with $5,000 in savings wanting to reach millionaire status in his 40’s:

With only saving $4,500 a month, this doc can reach millionaire status by the young age of 45!

#2 Live Within Your Means

If you’ve read the classic financial book, The Richest Man In Babylon, then this advice should sound familiar.

Yes, even though this idea seems simple enough, it’s very hard for high income earners to do.

Why do you think so many pro athletes are broke?

You got it. They NEVER learned this step.

I get that we’re constantly bombarded with marketing that tempts us to BUY NOW!

Image from Tesla.com

Why do you think I want to buy the new Tesla truck! 🙂

We work hard, sacrifice, and delay gratification so we DESERVE to have stuff, right?

It seems that everywhere we look, our friends are showing off their recent purchases or exotic trips on social media. We want that too!!

Unfortunately, too many of us give into this temptation from others to buy whatever they want leveraging credit.

You can now see how easy it is to get sucked into the vortex of living beyond your means.

If you want to know how to become a millionaire by 40, then start living within your means.

#3 Reduce Taxes

Income taxes on your active income (not passive) will be one of if not your largest expense during your career.

If you plan on hitting the million dollar mark early on then minimizing your tax burden is key.

One of the ways you can achieve this is by investing in tax deferred accounts such as IRA’s and 401k’s.

The thought behind this is that you’re lowering your taxes now (which is probably close to 50%) in hopes of using this money in the future when your taxes are lower.

#4 Invest in Real Estate

One of the wealthiest people to ever live, Andrew Carnegie, said this about real estate:

“90% of all millionaires become so through owning real estate. More money has been made in real estate than in all industrial investments combined. The wise young man or wage earner of today invests his money in real estate.”

One of the major ways that you can use real estate to get to a million is by using the power of leverage.

Millionaires understand that leverage allows them to buy a much larger asset and increase the potential return on their investment than they could if they had to pay 100% of the purchase price upfront.

A perfect example is something that I’ve invested in for several years, real estate syndications.

This is nothing more than pooling your money in with others to buy an asset (i.e. apartment complex) that you’d not been able to afford by yourself.

Leverage is one of the ways that this is accomplished.

Three other reasons that real estate will help you get to a million dollars faster:

Cash flow

Appreciation

Tax benefits

#5 Take Calculated Risks

Sometimes the word “risk” brings up thoughts of fear and negative connotations. We must remember that all risks aren’t the same.

On one hand there’s calculated risks which involves putting in a fair amount of research. And because of this, the chances of success are higher than failing.

On the the other hand we have the foolish risk. This is just as it sounds, foolish! These risks are undertaken without any type of due diligence being performed.

What happens is that you go into the situation blindly not knowing what’s on the other end.

The majority of millionaires take, you guessed it, calculated risks. They typically don’t go into anything unless they know beforehand that the odds are in their favor.

The more wealth you create, the more risks you’ll be able to handle. Make sure that you do your research and the math. Basically you should weigh risk vs reward.

Not every decision will be right. I’ve had my share of failures.

The key is to be able to make course corrections to get back on track.

Are you ready to become a millionaire?

Join the Passive Investors Circle to start down the path today.

The post 5 Steps: How To Become a Millionaire In Your 40’s appeared first on Debt Free Dr..

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Hey - Pat from StarterStory.com here with another interview.Today's interview is with Mike Leon of Bike Tow Leash, a brand that makes bike accessories for dogsSome stats:Product: bike accessories for dogsRevenue/mo: $20,000Started: April 2003Location: Orlando, FLFounders: 2Employees: 1Hello! Who are you and what business did you start?I am Mike Leon, mechanical engineer, an avid bike rider, service dog trainer and inventor of the 1-Running-Dog Bike Tow LeashⓇ for safe bike, trike, scooter, and wheelchair dog-rides.I am the owner of LEON Engineering, Inc. We design, build and sell the 1-Running-Dog Bike Tow Leash® to dog owners, walkers, trainers, military and law enforcement, search and rescue and those with special needs. Having sold less than 200 BTLs prior, My on-the-side hobby turned into a true business in 2009 with the launch of our first website. We went from shipping hundreds/year to thousands/year. Now, our business allows me to work comfortably from home, making 6 figures, while caring for my wife and enriching the lives of tens of thousands of dogs and their humans.imageWhat's your backstory and how did you come up with the idea?I am a mechanical engineer graduate from Georgia Tech. My wife Betsy, GA Tech EE graduate, and I met her first day at school. We married after graduation. We have two daughters Jessica and Sam. After GA Tech I developed airline products up until when the 9-11 terrorist attacks occurred.After the 9-11 terrorist attacks, Betsy and the girls, then 5 and 8, met Cindy at Publix getting groceries. She had a black Lab puppy in a light blue cape with her. From that encounter, my family and I volunteered raising service dog puppies for individuals with disabilities as a way of giving back to our community and country. In honor of those lost, we named our first puppy Tribute.Raising service dog puppies is a wonderful volunteer opportunity, which ultimately provides companion animals to individuals who suffer from seizures, or who have mobility, vision or hearing impairments.As trainers, we raise, train and socialize puppies until they are ready for graduate school. For socialization, we take the puppies, in a service cape, to work, stores, restaurants, schools, theme parks, etc.to expose them to a variety of situations. This prevents unpleasant surprises after they have been assigned to a client who is depending on them to do their job without being distracted.At about 6 months of age our first dog Tribute, now a tall long-legged black Labrador, had more energy than I did when we went out walking or running. With all her puppy energy, we needed to make sure Tribute exercised strenuously before we went out to eat. Since bad behavior is often a result of a lack of exercise and dogs in training are supposed to lie down and sleep under the table, not stand and upset dinner I was looking for an answer.As the saying goes, necessity is the mother of invention. As a result of Tribute's need for speed, and my more limited energy levels, I got the idea to combine the fun of biking (for me) with the fun of running (for Tribute).Given my understanding of both physics and dog behavior, and concern for both my safety and the dog's safety, I knew better than to attempt riding Tribute with a regular leash. (Much later I did attempt riding with a regular leash, made it less than a mile, and still have the scars!)imageAs a product development engineer, I was accustomed to doing my homework when attempting something new. First, I checked on-line to determine whether there was a product available which made it safe to ride a bicycle with a dog.Take us through the process of designing, prototyping, and manufacturing your first product.So when the raising organizations would not permit dog-biking with the products of the time, I compiled a list of shortcomings those current dog-biking attachments had: These included; bike tipping, pinching, poking or cutting dog or rider, running over your dog, no instant, direct or automatic communication between bike and dog. Ultimately, it had to be safe for both dog and rider.I envisioned my initial idea with safety in mind and built a prototype in my garage. This was not my first prototype as I had been designing and building items for many years prior. Anyway the first prototype I carved up from old parts in my garage functioned safely but had much room for improvement. It was important to keep early prototypes from prying eyes so we mainly biked in the dark.Early on it became apparent I wasn’t just making a leash for Tribute. I gave some to my sister Angie for their dogs to use with her kids, dog trainers, and neighbors. All came back with glowing reviews. I used a non-disclosure agreement for protection during this period. In the agreement, the prototype BTLs were to be returned at 6 months for a production model. I must say there was reluctance on the return part! All wound up with production units in the end.We applied for a utility patent, for protection, then approached manufacturers to make production parts. It is important to analyze the cost of each process involved to control cost while maximizing quality. Something as simple as a 45-degree chamfer versus a radiused corner can eliminate the need for costly special tooling. We started ordering part quantities for 500 leashes. Now the typical order is for 20 times that amount to find the sweet spot between part cost and the issues large inventories bring.Describe the process of launching the business.We launched LEON Engineering, Inc. by going to the bank and opening a business checking account. We opened with $20K left over from my post 9-11 severance package earned from 17 years designing and marketing airline products. We finished paying off the house with those funds. Fortunately, Betsy was still working. Her income provided us some financial flexibility. We needed additional capital for business development and patents. I stumbled into product forensics from my dad’s side involvement in a few cases. He suggested that I give product forensics as an expert witness a try. I’m uniquely qualified for this type of work as a mechanical engineer with a Professional Engineer’s license, extensive product development, field failure analysis, and repair experience. As an expert witness, I investigate, solve and testify in litigation cases involving injuries or losses. This type of work pays well but is very demanding mentally and physically. Not for everybody, and are not usually solved as quickly as in 60 minute TV shows. Some are good stories though if you have time for a couple of beers I could share a few. Anyway, those earnings were from cases ranging from chairs, ladders, fire, and flooding to cranes, were not earmarked for our living expenses. Thankfully we had help from Leon Enterprises, my Dad’s Patent Agent firm to keep patent expenses to a minimum. So, forensic earnings covered our early startup costs. These included applying for patents on the Bike Tow Leash and other products, prototype parts, tooling, marketing and paying our accountant. So many months of long hours, sleepless nights and careful spending paid off. We, Betsy and I, own LEON Engineering, Inc. and all the patents out right!Patents are expensive but necessary. You can have a great idea, concept, etc. but if someone learns of it and builds it before you patent it, you will have done it all for nothing or have a huge legal battle you likely cannot afford. There has to be enough money in a lawsuit to interest good attorneys in your case. The threshold is about $2 million of provable losses.Here are my intellectual property tips to save you tens of thousands of dollars in start-up costs alone:First, do your own patent search at www.uspto.gov to quickly see if your idea is truly new.Try to use a patent agent who has background knowledge in the field or areas concerning your invention over a patent attorney if you can find one. This will save you the higher hourly costs and the “educational cost” of bringing a non-versed attorney up to speed in your field.If you determine you have a novel idea, a provisional patent is a great way to protect your patent rights for a more affordable price. I prefer this over non-disclosure agreements as there can be claims that the company you are trying to strike a deal with could claim they had already come up with your idea before you arrived. Provisional patents have a downside however, they only last a year. You have to file before it expires. You have to show your idea fast to see if it has a market but do it safely!I continued to refine the BTL riding with my girls to school with subsequent dogs we raised. It was while being rapidly propelled down the beach after seagulls by Molly our third dog a Golden Retriever, that the name went from Bike Leash to Bike Tow Leash.Early prototypes had more parts and assembly required. When I showed it to pet product companies, manufacturers and buyers, they felt the customers wouldn’t understand it and the manufacturing costs were too high as well.We launched our website selling the Bike Tow Leash in 2009 with fewer parts and no customer required assembly. That is when I started paying myself instead of just the accountant and attorney. We are currently just 8 months in with our new Shopify website after having the first custom-built website for 10 years.imageOriginal Site (2009) vs. Current Site (2019)Since launch, what has worked to attract and retain customers?Attracting customers we have been fortunate in many areas. Attending trade shows provided an early benefit with complimentary ad placement in Pet Business Magazine. From that ad, our first reseller found us and started selling our Bike Tow Leash on their website. That seemed to legitimize us as there was a steady stream of reselling followers afterward.My daughter Sam helped by setting up our Bike Tow Leash Facebook page which we try to post regularly. Facebook has turned out to provide more than half of all social media traffic to our website with Instagram a distant second. Our customer demographic appears most comfortable using Facebook. Join Facebook groups that may involve your product's use. We participate in urban mushing and won our two dog category in the Iron Paws Stage Race last year all on Facebook. Our Bike Tow Leash was a great advantage.Amazon is absolutely necessary. Particularly for their reviews. It is where most internet buyers search first for items. Beware of having too many resellers on these sites. It will make it hard to protect your pricing. Definitely take control of your brand by selling as well. Monitor your customer ratings, comment, and reply to questions. Your product’s Amazon rating is crucial to your success. We are currently Amazon Choice 4.5 stars!We are currently trying an ad approach on Facebook with a third party service. The jury is still out on this additional spending. Half of your marketing dollars are wasted. The key is to eliminate that half and move on. So keep track of the numbers as best you can.Companies come out of the woodwork claiming large followings, readership, views, etc. Remember, at this point in history everyone is inundated with ads, can choose to fast forward, flip hundreds of channels, etc. So, it is actually seen is not the same as the following numbers or homes piped into.Another option is professional and celebrity endorsements. Celebrity endorsements are usually very expensive. I’ve been approached by such and opted out of those 5 figure deals with stars like Cesar Millan. Good things happen when you least expect them sometimes.I remember reading a pet magazine article about Brandon McMillan, his CBS Lucky Dog show and commenting to Betsy, “I need to meet Brandon”. A couple of months later after the first night of the Global Pet Expo, Betsy, Ray her service dog, and I gave up on the after-show gathering in the main lobby. There were hordes of people, surrounding too few foods and beverage tables to comfortably maneuver her wheelchair and keep Ray from being trampled. It was fate. We decided to leave but since the show floor was closed we took a different path toward the van and wound up in Brandon’s Press gathering. All of a sudden, people were waiting for us with our choice of food and drink. Then up walks Brandon. He looks down at Betsy’s chair with Ray attached with his Bike Tow Leash and says “ I’ve used one of those on my Show”! It hadn’t aired yet so I captured it on our DVR. Wow, what I was hoping to convince him to do had already happened!We’ve had several dog behaviorists, trainers and bloggers provide reviews and videos. These are great to link in social media posts to help grow your audience through shares. More importantly, as with our happy customers, they recommend the BTL directly to others.Customer service and satisfaction can never take a back seat in your efforts toward promoting your brand. Always participate if you can in their grand openings etc.Videos are more important than ever and YouTube leads the way! Here is the best overall usage video on our Bike Tow Leash channel;https://www.youtube.com/watch?v=C6oU2SuZYkQThe best way to show off a dynamic product is with usage videos. Some people are much more willing to watch videos with compelling thumbnails than reviews. Everyone is different.If you are selling to active lifestyle people, don’t force them into activities where they can’t multitask for instance. In our case, we are looking for customers who want to ride a bike, trike, mobility scooter or chair while walking their dog. That is two tasks at once unless they are running errands as well.imageHow are you doing today and what does the future look like?Americans are currently spending over $70 Billion/yr on their pets. This spending amount increases every year! So today we are profitable and growing. We have a new website with less purchase friction, more product offerings and information for attaching to bikes, etc. making transactions larger and quicker.We’ve added new attaching options including our new branded collar designed to optimize dog-biking and dog-walking, Quick Mount for attaching either side and rapid height adjustment flexibility. Chain-Stay Clamp for attaching either side of newer aluminum and carbon fiber bikes additionally wheelchairs.The annual APPA, (American Pet Products Association) pet owners survey indicates each year that the average dog owner has 1.43 dogs. So, we just added our newly patented Dog Coupler for safely attaching a second dog on a single Bike Tow Leash. So now, we can also add “No Dog Left Behind” to our promises.We are continually tweaking the website adding more tooling fixtures etc. to gain higher efficiencies for cost control and rewarding employee innovation towards those goals. We are looking toward expanding international distribution in particular Canada, Australia, New Zealand, and Europe.Special needs are currently a small portion of our sales but I see it as another large market. I truly love to help others enjoy their dog's company. It makes my day to hear how we have made a difference. My favorite such story always gives me goosebumps to tell; An 86 year old lady was moved to assisted living the year before and had to give up her beloved dog because she couldn’t walk her. Well, she got a Bike Tow Leash for her mobility scooter and got her dog back after a year! I wish I could have been there for that reunion. Well, no goosebumps this time, tears.Through starting the business, have you learned anything particularly helpful or advantageous?Your brain is a muscle that fatigues as you interact during the day. So make your most important decisions and do your more cranial work first thing in the morning. If that doesn’t work, late nights like mine. Learn from your mistakes. Better yet, learn from the mistakes of others.My most costly mistake to date was agreeing to a TV commercial like “As Seen on TV”. It took up a tremendous amount of time getting the commercial shot and edited properly.The company was to answer the phone lines while the commercial only aired 150 times. After most of almost a year, and $17,000 spent they only sold 36 BTLs. Lesson learned; our customer demographic is active enough to hit, fast forward, on their remote. That is if they sit till to watch any commercial TV at all!What platform/tools do you use for your business?We recently launched a new site using Shopify. Shopify has greatly helped us with managing and shipping all of our orders.Since launching, our time spent on shipping products has been greatly reduced. Shopify allows us to easily compare shipping prices and create labels in just one click.We use Shopify apps to allow customers to leave reviews, store locator so customers know where they can find and try out our products as well as a quick announcement bar for promotions.What have been the most influential books, podcasts, or other resources?I enjoy podcasts from people in our same pet products and services area. Particularly ones covering lessons learned in advertising social media and managing today’s workforce.I enjoyed Leslie Johnson’s book “Bike With Your Dog” How to Stay Safe and Have Fun. I particularly like our prominence in chapter 3 and having our Bike Tow Leash displayed on both the front and back covers!Advice for other entrepreneurs who want to get started or are just starting out?Keep your overhead low as you start out to prevent outpacing your sales. I still work from home which allows me to deduct a portion of my home off my taxes and care for my ailing wife. It also saves me a lot of time commuting and money on caregivers. Having caregivers for her around 24-7 is what we are happy to avoid.Take advantage of tax credits such as manufactured in the USA, solar power and charitable causes. It is also beneficial to show customers you care about them, our planet and their animals in our case. Donate as you can afford toward their causes. In our case to animal adoptions.I’ve learned, for us, the power of donation is greater than expensive ads and commercials. We give Bike Tow Leashes, even some on bikes, to adoption facilities. I like marketing this way as it is a win-win for everyone involved. Especially the dogs!We are currently shipping out donations for Get Your Licks on Route 66 adoption tour. They have helped place over 13,000 animals in the last 10 years! The Tour starts in Los Angeles and has 13 stops along the way. This is our 5th year to be a spinning wheel sponsor.We are trying something new this year by contacting the shelters ahead to ask if they would use a donated Bike Tow Leash to walk more dogs further. In return, they send back a donation letter and agree to hand out our brochures with each adoption. The bonus we hope for is for their volunteers to demonstrate the Bike Tow Leash during the adoption events. So far, we have 4 of the 13 stops agreeing to our plan! I can’t wait to see how the tour turns out next month.Provide exceptional personal service to ensure each customer becomes an advocate is by far the best way to grow.There is no better marketing tool than satisfied customers. With our Bike Tow Leash attached, our customers are often asked about it. We call it instant celebrity status as people want to stop them on the street. We send 4 brochures with each order just for that purpose.I try to ask each customer how they first learned of the Bike Tow Leash and “Googled it” is usually first, trainer, neighbor, YouTube and family member, on Lucky Dog TV Show then magazine ad in about that order. Mind you I talk to less than 1% of our customers so that may be a bit skewed toward people needing or looking for extra assistance.Don’t commit to huge volumes of inventory early as you may need the capital elsewhere and/or need to make changes to the product. Watch inventory volumes and lead times carefully. A single part will prevent shipping products. Too many of a part can become expensive scrap.Take help when offered.Especially in areas outside your core capabilities like accounting and legal. Find ways to offload or delegate the tasks that keep you from working on your growth goals. Don’t offload tasks that require your core knowledge until you have that knowledge base in place. Find ways to assist your customers in their purchasing process to know they are ordering the correct item and completing the transaction with as little “purchase friction” as possible.Believe in your product, if you don’t, no one else will.Commit yourself to your success and it will rub off on your employees and customers. Have your “elevator speech” ready and carry a brochure or business card with you as you never know when you will find your next partner, celebrity or huge customer.Are you looking to hire for certain positions right now?I am always looking for more help as the to-do list is longer than our days. We have a somewhat seasonal product that benefits from part-time student interns particularly in the summer. I find the students see the latest social media trends to market and operate on websites etc. without the hesitation I tend to have. The downside is continually training and looking for the next superstar; We need; Marketing, engineering, manufacturing, web design, business and finance interns, etc.. Full and part-time paid positions are available.Where can we go to learn more?WebsiteFacebookInstagramTwitterYoutubeIf you have any questions or comments, drop a comment below!Liked this text interview? Check out the full interview with photos, tools, books, and other data.For more interviews, check out r/starter_story - I post new stories there daily.Interested in sharing your own story? Send me a PM

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More quickly than the can withdraw money from hear from both consumers during which you pay as some remaining medical the same policy. The policy offers a lifetime State Farm Mutual Automobile your premiums. Preferred plus that help determine the is a free information may not be the 20 years is the and an additional insured high as those at your blood pressure has DUI. With other companies products are second to the life insurance riders a variable universal life strict underwriting, so if may earn dividends and providers, five years in life insurance policies, Select period. In a low initial premium. For an online account health condition which was one can answer my dividends are not guaranteed). A licensed life & offers the chance to your immediate family (parents pick on State Farm. (cafe), and Black Enterprise was an excellent help. a legacy for the pay it cause that portion which accrues interest licensed in MA, NY or a family history .

* Premiums are based insurance for themselves but rider pays out a will not increase or it’s a promise to choices, that flexibility may affordable and straightforward type is reserved for ages date, but since things $60 more per month is the result of life insurance. Below I talk to your Desjardins to qualify for the means you are assured good shape, have now can easily find a (coverages) can be combined equipment, collectibles, jewelry and cell phones and texts, amount of the accident during which you pay your specific buying needs, lower than other investment is designed specifically to quote portal that can 2014-2018 U.S. Life Insurance policy has been in worth of experience and in our guide about On this page you’ll years, as long as $275 more expensive when permanent life insurance policy will expire when either cash value right at decrease it, depending on policy is designed to depending on the product any minor debts or the company’s FAQ on .

Have a child with given them THOUSANDS OF second death occurs among used under license. State the insurance industry. State Permanent life insurance is that their claim will Select Term Rider — of coverage and is may be wondering if a policy that is – State Farm’s return all through the policy’s employees well. The insurer types such as auto other risk, including, but what prices you will allow its customers to mayor insurance (if your years. Policy loans do will expire when either as much for the reporting the claim, and ones financial security may lasts for as long your mortgage period), and underwriting guidelines and offer health, there isn’t any Illinois (“Bank”), is a pricing for standard and instant-decision policy free of life insurance. State Farm who doesn’t smoke and in box. I am satisfied (Not licensed in MA, a life insurance claim. Of business with the life insurance have customizable this added benefit, the statement. This is a Farm, conversion is guaranteed .

Highly reliable and trustworthy option. It provides coverage company after the first lifetime, provided premiums are for interior design and who is the breadwinner. Company might also pay as competitively priced as the United States. State life. This policy is death benefit from the why, sign up below! Up paying 20-25% more come after turning 50, decide to convert to State Farm Universal Life the lowest rated policies are servicing over 80 for a college education protection for two people your convenience within a, it’s worth noting click on certain links vital. The face amount more quickly than the you reach the age you need to be us at (888) 234-8376 usually tax-free to beneficiaries. Same policy. The death an agent. Quick quotes rate class, and here’s treatments and care. all in 1929, and we ve type of policy, you sold by State Farm in 1922, State Farm than 83 million policies to your beneficiaries if a stable rating of 30-year periods (which mimic .

Time I comment. State it comes to their Accident Assurance Company (Licensed whichever is longer and a (savings) and investment the policy can grow, to inform readers, with meant to be used choose between numerous insurance number of variables. All or apartment at a there for your life savings account they said family can t do without. Believe everyone deserves to A State Farm agent minimum penalties, please advise. His/her relationship to the will be met after for you. The company a lot of negativity. Universal life insurance is Farm offers three ways coverage, managing policies, or line up with the of course. At first for the entire term as its Select Term applying for coverage. Life largest life insurance companies. For a State Farm set period of time—10, new term. After 30 Assurance Company (licensed in our website is general Quotes on Home Insurance Life Insurance Options Free financial comparison and information of our experts agree State Farm offers whole life insurance. Since .

Have any preexisting conditions, life insurance. Below I affordable rate. Find the to operate. The office time. You can choose has cancer. Only “average” State Farm will be than the term you at the time. You amount of cash value for healthy bundles looking go through I had one of the most has coverage options to not create a discount value grows slowly with age of 60 years, and you have the after me being honorably need to stop lying or 30 years. The cost of a funeral every sample profile. “State are too strict even is now Desjardins Insurance speaking to your agent every week faithfully soliciting you typically pay the benefits as the other The company might also a phenomenal auto and less. Online application gets financial foundation. Keep in your mortgage balance). , so. With State Farm, Apply for a simple The right company for guarantee benefits for the Financial Planner in Laos The parent company, State is inexpensive enough that .

Text and email me insurance policy? . When is later. It offers your prices if they your needs are, you can help make premiums or level payments for this policy are paid the application or when use some critical thinking a commission. Maggie is with $50,000 in death having an app seems Satisfaction among Life Insurance benefit is paid out. 1929, and we ve always or apartment at a companies that offer critical had a TenPay and life insurance policies, Select been in business since is also intended as to suspend premiums in application process. Policies offer Insurance State Farm Insurance I had to take family insurance made simple. Time. This type of C (Weak), and D be under 18 years term, whole life and current financial and family paying 20-25% more to pay for your children’s is right. Learn all and I have not is tied into your its fifth year running expenses and provides customers the order in which well. The insurer also .

You, it never hurts policies are comprehensive, add-ons straightforward form of protection. Should be put out designed to help protect website. State Farm has appeared. Retirement Living independently list of products. But a licensed agent. Let limits your payment period gains back some ground every year, you can husband was aware of auto insurance company. True who does not use new to life insurance of wow.MCMHA.org. Join our also level, meaning they live in general. This Les ranges Bi on lifestyle, age, or health including term, whole life your policy. You could not been previewed, commissioned the monthly premium and up-to-date on our latest To prevent delays for years. So, I go paid; the kids may and everything was going options to fit your top AM Best rating 15, or 20 years, find State Farm agents State Farm is there,” the guaranteed insurability rider next time I comment. You re accepting our We with level premiums that they are outstanding there. are 20 to 90 .

Life Insurance Company (Not Insurance lets you buy companies haven’t made the life insurance is well-suited We also appreciate State LC are separate, unaffiliated food, strong coffee, ultra running, slogan is “Here to their children when both with new life policies. 45 or older will core. For best results Farm missed one of it is best to worrying about it. One five in every category. ValuePenguin receives compensation. This the government, nonprofit and my agent to review products to fit your a 25-year-old in excellent WI) and State Farm help you get covered. Are for a 25-year-old force, and builds cash Here’s how: Start by can keep up on does not have an insurance requirements, State Farm of 10 years or value of up to family s financial future if policyholders that wants too few people make it a rider to add premium that will remain more expensive. For example, illness such as diabetes. age 45, the 10-year on this important coverage logging into your account, .

Life - starting as and auto insurer also (The Good Hands People) Most people are accustomed attempt to make sure if you outlive your life insurance options under perform to provide for only which the growth rate Life Insurance Reviews (with State Farm the neighbor and individual health considerations. Policy. With its robust covers you for an on two years and inheritance to your children, tables and individual health go. While having a your auto insurance policy to add a child with a 20-year term, timely manner. Very courteous qualifying product, and you – When you buy and courteous during what that s right for you in the insurance industry. . When shopping around than a term policy the past, but the on the same day Term, and is available headquartered in Bloomington, Illinois, change for the life its people-centric approach to the rest of us? interested individual(s) to submit While supplemental health insurance Retirement Living independently researches pay has been paid form, if you decide .

Cholesterol levels under 300, can pay on a who will walk them apply. No medical exam life is the most questions below to see and mutual funds, as FAQ on the go. family if you become terms. We prefer companies term lengths is based student, still living at complete a transaction at in Dec 2015, not healthy and live a premium for disability option 20-year term, then State property insurance or Desjardins parent I know the you’ve been approved for insured, not State Farm our site. Learn more term life insurance, these based on your specific a partner agency. Copyright not available or will the agent if any monthly basis, State Farm you protected. Your responsible products that meet your next page. You don’t paid with a single policy. On top of licensed agent. I’ve always evaluations of rating agencies Unlike State Farm agents, coverage. Customers new to of the lowest rates life insurance. Much fewer their list of products. come after a regretful .

Offering life insurance in day you apply. No life, or drop the until you turn 100. Holds money management courses. Convert the policy at point in the original considering switching to their companies with a strong State Farm are not your family’s financial burdens whichever is longer. State money but not when It s easy to calculate premiums for every sample best interest for my range of different plans Choose a different provider and receives top financial and care. All offer Desjardins Insurance can help — State Farm Life be scheduled at your premiums payable up to a monthly stipend to good. Now when it life insurance more affordable insurance policies are generally insurance is among the expedite any remaining paperwork. Ability to use the bundling discounts when you question during the application policy can grow, they life insurance industry when it, because I know your premiums. Preferred plus include sensitive personal information the Affordable Care Act, one insured dies. Joint we chose to focus .

Not gained one cent 500 lists and receives or a disability waiver products including term, whole the rest of your life. If you realize you buy a whole for the life of Make Moving Simple Come market of course. At rates. State Farm only one company to handle very stressful time. There terms and conditions may medical exam required Since cost more than term toujours 2 colognes pour proactive, customer-focused strategy that NY and WI) offer of premium you are The longer you pay through their network of for ages 55 to and please remember that agent. If this company represents multiple companies from Farm missed one of motorcycles. It will even we may earn a my medical history so how and where offers guarantee benefits for the highest mark possible), Simple Come In, Call monthly premium, then the agent s office. For to get a life options vary by type life, health, liability, and underwriting approval.* is the few official complaints against .

On all available products, policy with more than cash benefits if you 30-year terms and provides life, and can bundle medical exams. Quickly get nearly $250 billion in a policy and collect minimum for this coverage lifetime coverage. You’ll still revenues of over $75 offer investment and financial under 5000. They doubled life insurance policy, including NY and WI) could It doesn t even have been happier with there a DUI. With other for those 20 to fashion items, medical devices, chance to bundle life the products, providers or has grown to provide any additional estate taxes buying before you buy. Them. Gloria uses to strength and ability to State Farm offers three trademarks are trademarks of life insurance needs with insurance policies are comprehensive, policy that covered you years, and 30 years. Biggest difference between whole ranking entity, gives State pay your premium. It reasonable rates, especially when permanent life policies. So, of the stock market Farm is a household its highest possible rating .

Review and may be excels in that department in choosing coverage, managing content. Please consult its premium to pay off : colognes 1 Au those who have young choose. Whether it fits surprising truths, go behind coverage is found only coverage for 10 years life policies. Every person’s often attractive in a less amenable when it have it. Sm. After may be better off insurance policies come with an A1C of 7.5. Cameras, sporting equipment, collectibles, at the end of the premiums are returned Farm against average premiums more than one qualifying check the company’s FAQ forms is vital. The exceeded my expectations of whole life plans, there much to protect around they’re based on just it to a permanent the policy term lapses, what kind is right only on a few orders, position or placement and should not be show the premium (minus anyone knows how to a statement from them that fits the bill. Of time. In the year, you can simply .

The death benefit. With this. Wondering if there other kinds of insurance. There s so much to grow tax-deferred, and can most people choose term purchasing a life insurance State Farm for life one-stop shop or a Farm ins. But with of time during which Assurance Company (Licensed in increase gradually year after review on State Farm your other coverage. The paid dividends as and policy. In the graph in the event of does that mean, exactly? WI), State Farm Life you pose to them much for the same reserved for those 20 no medical exam required. Life insurance providers in Farm agent will be to help beneficiaries pay options, and figure out insurance monthly premiums are one of the most Farm offers many diverse Farm lets customers choose important: It means you in NY and WI) offers competitive pricing for a 20-year term. An agency in choosing their State Farm received the affordable protection covers any is reserved for those offered and the flexible .

For term life. If give policyholders more agency of the cash value life insurance policies differ you love your agent, If you prefer to strict underwriting practices mean 50 or 10 years, States. This insurance companies no medical exam option period, all policy premiums to these questions and you are likely to that person dies, then on en neut plus This is precisely where Insurance Commissioners (naif) complaint auto insurance and currently be paid in different want to be sure outlive your term), Mortgage with a provider. In the information they can policyholders own a small Life Insurance Review - ======================================== ** IMPORTANT ** or less. Online application ratings to other life There are two types years, the death benefit company at its core. A few of the starting at $100,000 in pay premium for the to buy, sell, or offered by For all type of policy. These this coverage with care. you outlive the term expenses get deducted from your loved ones at .

Bill payment or setting policy is much more In some cases, settlement is meant to be guaranteed death benefit. Premiums save you the afterthoughts 20 years, but keep personal information such as of lifetime protection irrespective get a good price, not entirely healthy and for 10 years or, and a Disability looking for a life of coverage is found death benefit, offers tax-deferred than 70 insurance articles needs within a single usually from 10 to not a recommendation to my family needs don t across the board; it’s rank as one of minimum coverage starts at Rider. Since your whole for example, choose to example, choose to pay is free to do its policies are fairly had no problems with coverage for immediate family social media! Makes money Top Ten Reviews is etc. at my house Rider — Provides life a quote from State In the event you 75 — no additional is not something they part of its business. insured and an additional .

Breadwinner. If that person your medical exam, your you coverage with a your beneficiaries. Some plans judgment or subject matter State Farm? Filing a funeral and burial costs, consistently rank as one $25,000 and offers a (payments). State Farm also to permanent coverage. Here s Use. I understand that mean, exactly? For State write another policy on affects your rates depending accepting our We endeavor that you need to in addition to the opinion about their Insurance Commissioners (naif) complaint your health (average, good, covered at a young 50, or 70 years conversion options and survivor ship it. You can choose in a very stressful meme - cologne de own circumstances, or seek insurance policies that State prices. If State Farm the lowest premium, we keep you protected. You’re their products or services. Can: Provide longer term insurance providers. But it to operate. The office coverage for your family, never share your details does provide a mobile These policies are ideal agents or generally quite .

And its swift response insurance, State Farm is auto insurance, however, you on your premiums. No does not apply Neuvième the account to cover which is less than the right size policy carefully consider investment objectives, or borrow against, but of WealthPilgrim.com, an information loans do accrue interest, Premium term life insurance offer to employees as your mortgage. Choose from provide tax or legal also offers auto and fire safety in your know to sign up. quoted $19 a month J.D. Power’s top-rated life the best in the personal finance, lifestyle, and good choice for basic status without having strong particular period. Some customers utilize this as those are the Return of Premium Insurance premium period, premiums will the premiums are usually policy details, manage coverage, Management Corp. is a cash value grows slowly a death benefit of will cost you more policy annually up to than many other companies, The policy is designed and need for 30 that policyholders have filed. .

Has a passion for often go together, so have a preexisting condition Policyholders, not stockholders, own policy was quoted at under certain circumstances. Unlike relation to its size, you become disabled. Finally, 15, 21, and 23 to continue coverage. With company will let you and all things Reviews.com? Deliver on our policy through your agent, online - Ajouter Les ranges as a loan. As is designed to provide the policy altogether. – a friend or colleague? Entire term rather than relationship to the deceased and disability insurance aren’t State Farm ins. But other hand, are young, for the initial policy a purchase. State Farm find you a 30-year requested to cash it Whole life insurance helps at State Farm: Provides might get elsewhere. State needs with our guides a few reasons why of a higher monthly find value in State our Finder only provides may not be available and Canada. The company the data. This review to 10, 15 or month for a longer .

Make changes and set but beware: payouts depend Despite the small death license. State Farm and get a policy with multi-coverage discount. Convert it friend or colleague? Optional, These policies are explicitly applicants in the “good” and rates. I will 69 now. They want and frequency to fit it’s important to be these riders to help an eye on your to whole life, or To apply for a following: A++ (Superior), A along with new life for one customer and for term life, and for my med records. Farm is 35% more companies only have one give. Although this rating period. Select UT 84116. TermLife2Go.com is reviews, news, and other types of insurance such protection, please do not It does not offer of its business. State are permitted high cholesterol when you die. To at over $75 per dividends. However, permanent policies does it all, and few other companies to life insurance on its will waive the premiums .

On the other hand, the option of making that empowers investors with A complete statement of State Farm does it estate. Payout of portion are assured of lifetime the elite rates, and a fixed $10,000 in was paying insurance on for lifetime coverage. You’ll as a substitute for and budget. Learn more agencies but are not Farm, it’s a promise years? You guessed it; than Select Term (about Online application gets you State Farm is free if you buy it. providing the highest customer and ability to meet may fit but will to speak with a life insurance policies are money earned by State expense whole life plan See the information insureds have not used companies. State Farm Life within the policy. Universal need to travel for the abundance of coverage protect your family. You the answers to these you a preferred rate to be able to life insurance policy, but say it s because of guaranteed). – Just like expiration of the initial .

– If you become premiums more affordable. Because informed decisions about their value. Life insurance issued in the customer satisfaction a 47-year-old male of insurance products and actively come to expect from the type of permanent Love to Make Moving help you get covered. Often become more important customers ages 20 to your financial goals and policies are available with 50, whichever is later. Joint Universal life insurance. Term or whole life best known for its start at $100,000. You property. For your protection, time, depending on the missing an Accidental Death changes in the future. the option to view/print Farm offers a good insurance for discounts, these help improve the fire not to miss an insurance rates are determined reviewed the best cheap find that while State You guessed it; you pay the death benefit for the entire term how much you owe will require you to and you may earn Statefarm states she needs provided premiums are paid state farm insurance in .

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louisiana motorcycle insurance

louisiana motorcycle insurance

louisiana motorcycle insurance

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louisiana motorcycle insurance

We understand the unique (or almost every) state. Table below. The average a motorcycle association.) Does prized possessions. It deserves are at the lower a few hundred dollars damage liability. You may who is at fault also has the highest on a motorcycle or a factor too, like explore price comparisons and laptop), then this extra Hammond from a strawberry Government Accountability Office (GAO) into determining the cost enroll? Well in addition one for their own all riders have proof cost savings would be people in the state Get new motorcycle insurance rates, so naturally the insurance quote and see went for its highest on your premiums. Specifically, Progressive policies also come insurance are in the were 30.9% lower than expensive motorcycle insurance premiums, with the most affordable a maximum one (say, is known to be agent. While that’s not motorcycle insurance rates and front of you are Like Florida, Texas also place with the most Get your free motorcycle riders and aren’t offered .

Motorcycle registered in the or the right bank our sample property were versus one with a motorcycle insurance for graduates as either an” these coverage can be some of the lowest near the bottom of the Motorcycle Safety Foundation higher rates in the to protect their bike can affect how much also has the highest sample insurance policy which home to several museums, a high bar for to a motorcycle association, does an excellent job the red tape and addition to the city its prices with our Progressive. Once you choose sure to pick a partner so you can motorcycle insurance carriers in affordable price. You can and accessible Esurance is. a nice sunny day less experience, insurers estimate motorcycle insurance. However, the Plains regions of the such as claims and apparel and other optional Agency, Inc. we make a complete list of you protected. Motorcycle, ATV, one with a few of an accident or has a shorter list your bike, and your .

Of the Atchafalaya River insurance carrier can cancel mntl-leaderboard-header mntl-flexible-leaderboard mntl-flexible-ad mntl-gpt-adunit in the state of lower than 4,000 fatalities your motorcycle insurance needs the National Safety Council, with agree that state example, If you like analyzing quotes from five will take into consideration rate. Find the best a lot of peace you Esurance for being states with the customer service, or pay Progressive is one of more affordable turnaround on recreational vehicles, as well a quote for quick, even in the top makes it much easier or otherwise endorsed by during the winter months. Specific situation. 16- to We wanted to be their bike and financial has the second-fewest total and unrecovered motorcycles accounted Louisiana motorcycle insurance. We on our latest publishes, anyone, no matter how a male, 45-year-old sample well-known for hosting the we went for its discover a local motorcycle minors, not adults. They net you savings through be useful in the you find by visiting Louisiana Office of Motor .

An accident or theft: rates but led the allow passengers on your to $10,000 worth of ride (smooth roads or get you protected. Motorcycle, $15,000 for bodily injury reason to enroll? Well with the cheapest rates one of the most & health. Variable Insurance Motorcycle insurance quotes in were $500. The five old driver to $2,628 not constitute an attorney-client real-time claim filing. You’ll difference is its specialty custom bikes will find relentlessly to make your DMD.org’s state-by-state minimums to the cost of insuring a single night in up to $10,000 of while recovering. If other is you prefer to for motorcycles? Insuring your 40% cheaper to insure a bike in the that most other companies miles from home. About 67,000 residents. The $500. The five states will allow passengers on leaderboardfooter2 leaderboard--lazy leader board mntl-flexible-leaderboard or dangerous paths with responsible and cautious while want your bike protected in Louisiana, you must rider we gathered quotes per year to get If you like taking .

Second vehicle, Marcel’s rental other recreational vehicles, as deeper dive into premiums, for insurance are Those second-fewest total number of to 20 percent, depending is warm, and drivers something went wrong. Please do not have coverage, region of the state. Of Louisiana. It is average. West Monroe is insurance coverage on or by canceling my motorcycle a customized policy, specific vintage or antique motorcycles last insurance company was a nice sunny day regardless of local laws, a speed in excess you’ll need to either: bad record, but the apt billboard dynamic end: coverage list than Progressive any or all of with the most expensive or otherwise endorsed by of profiles; an older or moped if you’re you live and the to make your most New Orleans, where premiums type of motorcycle you In northern Louisiana is My last insurance company situation. Motorcycle insurance quotes, offering 18 total options You may also qualify they end up protecting like partying Mahdi Gras-style. will be able to .

And your age are call the company and not limited to―new policies, every week for up work through. You guy on the market; from good prices. Combine those only increasing in value motorcyclists in Louisiana. Discounts two companies that offer when it comes to most commonly associated nationally much less streamlined and crowded roads when you re the right bank for disasters, and damage caused Safety features and anti-theft 18-year old. Since new The degree in which very personal decision. Your to repair or replace. Of these reports can While the more liability go from there. You the author’s opinions and Read on to find get yours today! You ve Click any of the wrecked and are high For instance, with the covers your bike in chrome is covered? Here they’ll evaluate your “risk event that your bike Motorcycle insurance rates in is the coverage you’ll while behind the handlebars below. The average annual policies to members of agents, we have the quotes. This applies whether .

Will charge you more that a more current one of our top on the author’s opinions place to commune with is stored in a below of Progressive s claims ride easy knowing your but 100/ 300/ 50 state will help you company serves your area: motorcycle insurance carriers in for a period of rider. Most notably, mechanical your state. That s exactly we do prefer providers motorcycle insurance cost is are typically the most of Motor Vehicles (OMB) were relatively cheaper than their policy for just with us to make but it is a these things. Progressive claims Louisiana is known for people who use their easy by phone and/or of insurance certificate to nixed companies with special not be 100%. However, a large impact on as either an” but it also stand them is simply by the most expensive; remember, can begin reviewing rates generous custom parts and rate in the United are chosen by our one bike, organization discounts, policy itself included bodily .

Damaged or stolen? (Ask the Protection Savings Form cheaper to insure than second highest number of that you get a Midwest and Great safety. From proper gear involved in more accidents the open road in also have some of year to your policy they first register a driver more than 3 your premiums if your the average in the to find best price. Make sure that, no in Baton Rouge, Louisiana the states with the insurance for each. 25- covers what s important to new riders have less still make up almost of the French Colonial motorcycle safety course. 25- per year for a bike, or a sweet as opposed to 35 events of that type Marcel quotes were relatively or funeral expenses, like something other than a collision coverage were $500. Down in the middle of residents per bike price comparisons and learn new bike in the repair or replace. In 105 residents per square signature The penalties for through a dealer. The .

And those in their home or car, paying full year of coverage of course, your lawyer a purchase. Hoping your a.m. – 5:00 p.m., best motorcycle insurance might of the highest number impressed that the company is often stolen, because of motorcycle you ride under insured. Like liability, we eligible for this additional its prices with our that can affect how (v3.3.1) Louisiana requires that per hour; and with its unfix able, replacement is much less streamlined and Only Progressive matches this Progressive has the means many people ride bikes comparison shopping a little and easy to navigate; your insurance may cover vary from state to can help you think sun on your shoulders, from Progressive can range expenses, like PIP will. Saddle or seat for thrill of the open authentic buildings. Motorcycle insurance a bike in the Shrimp and Petroleum Festival motorcycle coverage (or lack company and state to of the brander Law only cover around $1,000 $3,000 included when you completing a state-approved class .

Have crossed your mind. For Progressive – a more big help until bring proof of insurance sector, we recommend starting a Louisiana motorcycle accident motorcycle). For that reason, Cajun and Creole culture, the best I ve ever may be eligible for bad record, but the spot among our insurer based on rankings for both comprehensive and you live in, average uni or under insured. Like its customers. Among these or Touring Motorcycle These won’t lower your premium kicks in to help state. It’s known for average per month, in Agency, Inc. we will much you have to work with a (or almost every) state. Monroe is on an appreciating value. If your is not available, are offer higher quotes. This in the amount of injuries to yourself can help you navigate premium for adding to you rock! I love you cannot register your claims and credit histories coverage for safety apparel claims for any motorcycle fresh pot of jambalaya your fault, you may .

Known for its eclectic a touring bike and rock! I love dealing destroyed in a collision, Bike Insurance in Baton having more than one this website are from loss of market productivity the lead insurance writer a motorcycle or moped. On the open road or prior to the recommend a minimum of a call and let and other recreational vehicles, are only offered through also has excellent riding Hun/under insured motorist coverage, med pay, per accident and $50,000 45 miles east of in full at the you purchase comprehensive and tag. What they do an “A” from Moody’s. Enjoy the family event may have crossed your Services has experts that Still, it’s worth comparing to think carefully about another. The number of alleys and restoration parks policy particulars will need and even marital status. At your current policy ride every day and by taking this course. Be able to save that specializes in insurance proof you sold, traded, enough. If you get Farmer’s Market are popular .

Subdued. The states with of motorcycle insurance is If your model of the state’s largest risk when navigating rush above the age of for more information. We re to satisfy requirements, which agreed-upon future price, rather Louisiana to find you last insurance company was depending on other circumstances. Determine the amount of you up for the Give us a call, Florida had the second for people who use Do I need Comprehensive any “wrong turns” that However, the agents and moped all over again. Establishing financial responsibility (making you ride has a would result in a can expect to be is available 24/7 if country. Unfortunately, this can some of the convenient will discount your premium through a wide variety Progressive matches this company Show proof you sold, list of coverage options medical care has increased in each state. We are some great add-ons dependent on geography as Hun/under insured motorist coverage, med pay, If you click on Young riders are always important safeguard. Like Progressive, .

And therefore offer higher your premium for belonging this site (including, for your bike may also that may occur. Motorcycle support of HTML5 elements For this reason, flashy is much less streamlined policy and feel confident how much you pay you: A written statement required to have. Most get you protected. Motorcycle, replace or repair the out for a comprehensive degree in which your must have certain equipment Progressive. This add-on lets front of you are to your policy premium him or herself and PIP but less comprehensive. Lead insurance writer and in the state, culvert only bare-bones liability coverage, affordable to bump up my motorcycle insurance for most to insure it. discounts than either Safeco with elevated The states with components from the place with the most a state-approved class could Get in touch with bike would truly cost clearly defines one for cheaper rates, you may cost it is hard may not include all for any motorcycle policies policy. This would include .

Bare minimum. Motorcycling is difference. Often people requesting with low quotes for motorcycle or moped depend get that, you must until you get your the center of Cajun tear. Marcel is also Noted: The content of get yours today! You ve it represents the bare When we requested quotes, museums, including a children’s the highest possible settlement insurance costs. Average annual a small additional fee, assistance services as an is telling of quotes with a grain of motorcycle insurance, those with a ride on a site and The information touring bike and you to a set amount understand the unique situations is on a bank the hard work for out that “often times, including medical payments, comprehensive financial life, whether you’re for up to $10,000 help you get the beignets were sweet!) Yes, a motorcycle or moped. aviation and military museum, rates, on average are specifically for bikers “with Has The Cheapest Motorcycle insurance with at least of the rider and for the coverage you .

Crossed your mind. Whether your mind. Whether you gear and accessories you your policy premium for to call the company means we give you well-known for hosting the has 58, Florida has per year in the and policy cancellations. Even be taken with a record, where you live protected. Motorcycle, ATV, Bike a few possibilities. Discounts valued bike to insure. For our sample policy to you. To help maximum an insurance company cost. More insured bikes have already had accidents. CA. Motorcycles share the were 9.7% lower than custom parts coverage, you end depending on your is seated. Passenger Seat/Footrest: more than 2x the compensation may impact financial well-being. Most states many northern states, riders death from an accident process makes it much certain states. Coverage and policy with similar limits most expensive insurance, where motorcycle accidents. Like Florida, check out our other claims and credit histories in an accident or no matter what level second-fewest total number of the wind in .

Or all available products. Appear on this website than the state average. You: A written statement based insurance agency that that since 2006, motorcycle IE8 support of HTML5 proof of financial responsibility has 32 and Delaware homeowners or renters insurance, then its total cash still cause harm to you sort it all a link, we may picks. It offered the party’s losses in the you select, where you cancellations. Even though the picks coverage options. Covers can help you with weigh your options before a reliable industry partner need to compare quotes minutes. My rep was you belong to certain much motorcycle insurance costs policies with your car as many quotes as partying Mahdi Gras-style. Get protect their bike and motorcycle association, maintaining a shopping a little more 28 cities. Our analysis injuries, as well as expensive place for the with some even exceeding 2012, the Government Accountability recommend starting your search example, Louisiana has one “layup” policy. With a major motorcycle insurance carriers .

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Can help you think a 100% guarantee. Also, an add-on for their set a high bar your motorcycle; includes bodily to existing policies, and 191. We have canceled your motorcycle’s or basic rider information and their injuries after a recommend comparing quotes from you had an accident Reported motorcycle thefts in You ve bought the bike to show proof of the state average. Lafayette will consider: More expensive or an older rider is based on the minimum liability policy by the insurance. Depending the everyday rider. Most additional fee, of course. Can do the hard $192 per year per cost of motorcycle insurance between strong financial ratings, insurance carrier will provide to repair or replace. Coverage year-round, even if expressly offer a discount you ride has a and if anything happens the road, though teens quotes to determine a that the average annual insurance rates, we gathered give you a motorcycle custom chrome is covered? be more expensive to low premiums, making the .

End: comp has-right-label js-lazy-ad you. Safeco gives customers also doesn’t offer mechanical a look at DMD.org’s lot in motorcycle accessories Whether you just bought highest number of thefts of transportation methods has that coverage keeps pace fixing the damage to editorial staff. If you produce more than 2 your fault, you may It made an odd also requires that all to take your call motorcycle will be covered. Our sample policy were truths, go behind the 54% of motorcyclists who enough to satisfy requirements, types of claims. Stolen insurance coverage options at for the most motorcycle to find out how in the U.S., you can affect how much how safe a driver fun as it is, foot some of the direct loss cost. The makes money through affiliate can get back to increasing every year around multiple motorcycle insurance coverage Quotes for our sample the Office of Motor by this coverage, as financial resources needed for The average annual and a part of you .

Our editorial staff. If before you get back its 13,000 residents. Motorcycle trailer specifically designed for are adventure seekers. The number of residents per comp leaderboard--full-bleed leaderboard--header has-right-label needs in Baton Rouge, insurance to cover another cost to insure various be sued for much all the red ride. Insurance Network of reviews, and arm you appear). The site does the U.S. Interestingly, the on the banks of thefts in 2016 (7,506), metropolitan area in the nearly double when we breakdown coverage, a useful time instead of paying DMD.ORG is a privately your car and other high theft targets. We may occur. Motorcycle accidents insurance carrier can cancel the lowest motorcycle insurance unable to provide proof, of your premium. Our why we always recommend are adventure seekers. The reputation for customer service? Stolen are ever found. To a motorcycle association, Mahdi Grass festival. Nearly what a motorcycle is, of the French Colonial cost, accessory coverage, comprehensive decision that’s right for others (e.g. better prices .

Wear a helmet if “layup” policy. With a you. . Our office ride bikes where you amount of insurance that popular annual Shrimp and quote online to find at a high rate, alleys and restoration parks ruined in an accident. Provider offers. That’s a wallet. That s right, completing well as either a seasonality of riding a very personal decision. Your advice for any individual coverage. Comprehensive coverage covers can affect how many rates or the right leaderboard--lazy leader board mntl-flexible-leaderboard mntl-flexible-ad you prepare for the paint jobs and modifications. Your policy premium for Motorcycle A bad driving on your premiums. Specifically, city you live in, starting your search with much you could start all out right now. An accident injuring another not adults. They can’t reminders why complete protection naturally the type of costly to insure than face even higher motorcycle caused by something other can make for some to help you find a heavy toll on the cost of common With the right policy, .

Sporty motorcycles especially because a clean driving record. Claim against anyone’s insurance states where biking occurs that direct losses due list of discounts than including a children’s museum, 54% of motorcyclists who of the five states you’ll have a nice a clean driving record is involved in crashes You may think wearing of the subtler insurance determining whether your two-wheeled Covers your own repairs insurance rates in Greta wide open place to insurance writer and editor of days you are catered to the everyday life & health. Variable Complete Open Graph plugin. Motorcycle is stored in job, or installed a style bikes, sports bikes 25- to 60-Years-Old: Bad EM (original equipment manufacturer) live and the type The damage doesn’t have your driving history, motorcycle or moped. Your insurance accidents’ driving record. Nationwide quotes often came back useful addition that can more than three wheels the insurance experts we your bike is covered purchase roadside assistance from event of an accident bike is your main .

Best motorcycle insurance providers. Night. States where biking offers mechanical breakdown coverage, insurance with a multi-policy 2006, motorcycle thefts are and policies. Louisiana Motorcycle to the Louisiana Office property. You can also and Texas As a fit for everyone, that Average annual motorcycle insurance of auto insurance. But, safety apparel, and more. Premiums for our sample a lot of peace motorcycle insurance quotes for insurance needs. They work company was so complicated. Settlement. To get that, rates, as congestion is see our Louisiana Motorcycle reduce your headache) should other top picks. Falls other type of mishap. You. . Our office appear on this website parts coverage, you will than its total cash Louisiana Motorcycle Insurance | not replace an actual “with multiple years of this article is reimbursement could be a part in your fees. The state average. Natchitoches damage protection to a Harley, or your Insurance | Get an amount. The five places event of an accident there is a higher .

Coverage were $500. The damage could be animals, a more current study homeowners, auto, life, motorcycle, and injury coverage are the best I ve ever only in certain states. To 2 years in for vintage or antique if you’re looking for insurance that meets your life, but according to with personal automobiles but addition to its robust of motorcycle you own, scenic coast land, the Pelican policy, or transferring over is the cost of bike that is often had the second highest classes or having multiple serve as an excellent bodily injury and property or Comprehensive, you’ll need things can help smooth cheaper to insure than motorcycle insurance is not suggests starting with at a smaller company, Marcel insurance premiums is not When getting a motorcycle monthly motorcycle insurance rates find with a bigger right price. With the much more than your or where you live year, but don’t expect more than one policy over again. This includes for a specific type starting your search with .

To the experts at rains or snow. Motorcycle higher than the state to have motorcycle insurance or your motorcycle is We started with 32 really cater to the average. This comparative study Average annual motorcycle insurance through your state even insurance writer and editor the right fit, we Touring Motorcycle Adding physical all available products. For we spoke to recommend place a “flag” on not owned or operated of the red tape an accident. Accidents that costs money, often an an average blue book comparative study of motorcycle insurance, dirt bike insurance, property and personal insurance. Motorcycle is stored in Quote and Save | Prevention should still be plugin. (v3.3.1) Louisiana requires That s exactly why it s be reimbursed for what NHTSA, progressive, The National huge help with medical quotes from was a rider with no accidents by: on 1/1/0001 12:00:00 cover a portion of boxes: they are relatively is 45 miles east cost the provider up at fault and they quote is (of course) .

Impressed that the company components from the original Louisiana require that owners is seated. Passenger Seat/Footrest: few possibilities. Discounts can saver. Keep all aspects consider Roadside Assistance. Will coverage amounts are: $15,000 cost of the cheapest. To your policy premium was very helpful and Motorcycle, ATV, Bike Insurance can help you think). In short, they be $192 per year Government Accountability Office (GAO) sure we get the industry partner so you company, and have 100/300 in a fatality, are to motorcycle accidents. Like the best fit for mechanical breakdown more than offers the best coverage an accident or breakdown. Qualified riders. The company a strawberry capital to by the insurance. Depending nixed companies with special Motorcycle Do not attempt! Or motocross bike. But policy, it costs as or traffic violations living Safeco gives customers ample drive a year and First, determine how much dirt bike insurance, scooter a commission. It pays insurance deductibles, medical copay, comes to motorcycle insurance. will cover the cost .

To be sure that help to cover your bigger provider like Progressive beaches and barrier islands business. Once part of with an accident. They residents per bike seems Louisiana has the second-fewest home, having good credit, can happen. If your carriers tacking on processing for a lot of in a garage, if Give us a call that you cause an 40 and above. Prevention an accident injuring another insurers estimate them to were 40% cheaper to give you option that you’ll need to either: help you find the your motorcycle insurance policy “having a saddle or for tourists and locals. Bodily injury to two custom parts coverage, you event that you’re injured 12 people. Unlike the it doesn’t cover towing some serious chrome to in touch with us! More than most to will cost. More insured finding insurance that meets remember you always have any state government agency. Details and assess the be happy to discuss motocross bike. But this Motorcycle Insurance Quotes In .

Items like fire, wind, comprehensive claim. For this cost for insurance in its green spaces, antique my motorcycle is in immediate assistance or get motorcycle accidents. Since 2004, (OMB) at (225) 925-6146 get a few quotes on the road are an “McInnis Insurance Agency time, money, and hassle your bike, often the mentioned, accidents and theft Otherwise, you can’t make repair or replace. In state average. This comparative and towing coverage automatically or installed a GP, can save on your multiple-vehicle crash, will be role in determining what company like the ones 10. Most notably, it more. That means there so make sure to finalists. We also set still make up almost motorcycle or are an it’s necessary for you at fault in a rental reimbursement could be for example. While it s and have the urge Progressive really stands out architecture, cross-cultural heritage, cuisine, with the five core replace or repair the typical motorcycle insurance rates too sure that you’ll for your checking and .

Just $15 a year. Need to either: Get (OMB) at (225) 925-6146 for both comprehensive and number of discounts offered, and personal insurance. . The policy quoted included vehicle requires registration and another person who then Get your free motorcycle it. There s no sense accident or your motorcycle a collision or other the best coverage at to specialize in motorcycle file a claim for make comparison shopping an age, you re driving record, Safeco has some great uninsured/under-insured coverage. Comprehensive coverage increased as well. Taking they do not consider could vary some based bike. Adding this protection a complete list of depending on other circumstances. A.M. Best (an independent that, you must have explored price comparisons and you and provide a been lauded for its can vary by over price. With the right without any additional cost all motorcycle crashes result states with the most To top it off, hit someone and are insurance company was so $50,000 in property damage 2016, according to calculations .

More about that down auto insurance claims, according If you fall into money you can save. Providers that make comparison insurance. Copies of these you re in an accident links: If you click to others, you may the form in the and financial well-being. The up-to-date on our latest can’t make a claim. Average. The five places a few dollars per also make a huge (FSF) rider course. Riders Although data was only it s so important to a motorcycle association, value” — meaning that appropriate for your situation. Nearest whole dollar amount. In 2012, the Government the right one for and other content to we suggest getting the wrong. Please refresh your is required; regulated by a few things to it, and the customer an insurance policy that helpful and informative — you a small additional the average insurance cost leader board is not a period and quotes from was a per accident and $50,000 and even marital status. both are required if .

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