#and my program gives me a 3k moving bonus

[fauvester]

figuring out the mechanics and economics of moving halfway across the country is a tomorrow/sober me problem

[prorevenge]

I end up working for the scammer who conned my parents.

So, this tale starts twelve years ago in 2007. Both my parents had retired at the same time and had received a large cash lump sum and would have a decent pension income for the rest of their lives. Dad was ex-Army, doing his national service and staying for another 8 years before travelling the world. He served with the Royal Engineers and moved into an engineering/maintenance role when he returned to the civillian life. Mum was a teacher, and with careful savings and multiple pensions they had more money coming in individually than I did in a salary.

The first thing they did was to renovate their house. They got several quotes for new windows, some minor building work, a new kitchen and a block-paved driveway. I helped them with researching the companies involved and with all the information at hand, they settled on a local company that we'll call Bad Company. Bad Company had membership of all the relevant professional bodies, had some good feedback and importantly was not the cheapest but their sales guy explained to my parents why a cheaper quote wasn't always better. They agreed on the £35k work and paid a 10% deposit. Work started, and they weren't asked for a single penny more until it had been completed. There were a couple of minor snags which were easily corrected, and it went £500 over budget due to the bad drainage of the house (something that had been mentioned before) but it looked satisfactory.

As it turned out, the windows had massive gaps in them that leaked water when it rained and you could actually hear the wind whistling through. Heating became expensive. Within a month, weeds and grass started poking through the block paved driveway and the electical work that was done in the new kitchen caused blown fuses if both ovens and the hob were turned on together. If you touched the plate around the light switch, you'd get an electric shock. After three months, water burst through the newly laid kitchen floor and the "Secured By Design" doors could simply be lifted out of their frame even when locked. We also noticed that they keys to the new doors were not the originals, and they were extremely difficult to lock especially as both parents had arthritis. The icing on the cake was that most of the windows were supposed to be argon filled, but the seals had already blown allowing air inside and condensation on the inside was apparent.

Dad asked a friend, Bob, to estimate the extra cost of fixing it. Bob said that to correct the now evident defects would cost nearly £20k as almost everything would have to be ripped out and re-done. Dad immediately contacted Bad Company, and the guy they sent round was rude, arrogant and blamed everything on the builders who had originally constructed the house doing a bad job. He wrote a report stating that none of the defects were down to the work carried out as the work had been done according to current best practices. That evening, one of the window frames fell out.

Dad spent a month after that trying to get Bad Company back to fix the issues, then he called all the regulatory bodies to find that Bad Company wasn't a member but just used the membership logos on their documentation. Around a year after the work was originally completed, Bad Company simply vanished. Phone numbers were disconnected emails bounced back and their office was now a conservatory showroom. Dad had already paid a well estabished window company £3k to fix the immediate window and door issues, and was left to pay another (much better) company £22k to fix the issues. This time we checked everything and made sure they were registered. We even got a warranty.

Cut to 2018, and I'm looking for a new job. Dad passed away quite unexpectedly in 2015 and Mum wasn't too good either (although she's a lot better now) so I needed a job closer to her house than the 2 hour commute to the next city that I currently had. As luck would have it, a local kitchen manufacturing company (lets call them Local Kitchens) was looking to expand and wanted an IT technician/developer. The pay was about £1k more a year than I was currently making, but I didn't have to spend £500 a month travelling to and from work (busses and trains are expensive). I interviewed, liked what I heard, and was accepted for the role. All the time, I thought that I somehow knew the boss of Local Kitchens.

Having worked in factory environments before, I arrived in a hi-viz vest, toecapped boots and with my own ear defenders. No-one else wore any P.P.E. - not even masks and goggles. When all the machinery ran, the factory floor hummed and buzzed along at a noise level of 105dB, well over the required minimum for wearing ear defenders or plugs. The boss, who we'll call John, also attempted to cut corners everywhere. My workstation was barely powerful enough to run the development software let alone the CAD/CAM software required. When the CPU fan died, he said that he couldn't afford to replace the fan. A new computer keyboard took 3 weeks to arrive and although we were paid on the 28th of each month, the pay was often not in the bank until 9pm, well after he had chased people who owed him money.

There were more lies that I uncovered, and bad business practices. It was like John had read a book on running a business then did the exact opposite. I spent the first six months between designing kitchens - something that I knew nothing about but suddenly fell under the remit of IT technician - maintaining the factory machines, driving the forklift (something that requires a specialist license that I don't hold) and doing IT work on his personal home computer equipment and mobile phones of him, his trophy wife, his kids and his parents. I also wrote several small computer programs, wired up the factory network, ensured that machinery could connect to the office computers and re-wrote most of the configuration for the industry specific software he used - which was not only unlicensed but also used on five separate machines despite the single (lapsed) license.

Also working at the company was Dad's friend Bob. Bob was a decade and a half older than me and had served his time "working the tools" making and fitting kitchens, bedrooms, and had spent a good fifteen years as a shopfitter on some very prestigious contracts. Bob was hired originally to do my job but he moved back to the manufacturing side when the expansion started as it was easier to employ an IT tech than it was a shopfitter. Bob had read an eulogy at Dad's funeral and was often round helping mum with bits around the house, so I knew Bob well and he looked after me at work. We got talking one day and I found out that Bob was earning less than me, even though he had a highly skilled and experienced role, and that despite being given more responsibility, John refused to pay Bob what Bob was worth.

Honestly, if Bob wasn't there, most of the knowledge was lost. Bob and I had frequently told John better ways to do key tasks, but John refused simply because there would be a small cash outlay. I should have seen the writing on the wall at that point, but no.

Running up to Christmas, John tells us all that he's giving us all a bonus, and will pay us early for the christmas to new year shutdown period. We soon discover though that the bonus was a £5 tub of sweets - which Bob can't eat because he has type 1 diabeties, and I can't eat because I have this really strange sugar allergy. I was going to mention it to John, but Bob tells me not to as it's Christmas and it will be something for my kids to enjoy. I actually ended up with three boxes of sweets because he over-ordered.

That day, despite being an IT technician, I had to chase an order with a company, order some materials from a supplier, and supervise a fitter as he attempted to install some new showroom units. John is nowhere to be found until just as we're about to leave. He asked Bob for a moment of his time and I go home.

The next day, Bob tells me that he and John talked until 7pm (an extra 3 hours) about the business. Bob was asked to invest £10k for a quick capital injection as winter is always a bad time for people buying kitchens, so income is slow but there are a number of large orders in the pipeline. Bob told him what he thought of the shady business practices and the poor management, and he said that he could walk out of this job today and be earning double before the year is out. He refused to invest. Other things were said, and Bob dropped the first bombshell, explaining that every job they did for a new client was actually making a loss. The new client had been Local Kitchens only revenue stream since mid October. Apparently John was genuinely shocked and didn't realise that it cost him £200 per hour just to run his business, jumping to £300 if the machinery is running.

The day before we're due to finish for Christmas, I get called into the nearly complete new showroom. I thought John was going to show me what needs finishing and which units need designing, but no. He's worked out the finances and states that there's only enough money to keep me on for another couple of months. He even tries to turn it around by saying that he's sorry and that I'm a good employee but the income isn't there, and he wanted to give me enough time to find something else. I felt my entire world crumble. The rest of the day was a daze, but just before I left, I overhear him ordering some materials from a supplier. His exact words were: Yes, it's John from Local Kitchens. You might have us down as Bad Company.

That's when all the pieces fell into place. It finally clicked why I knew his face. He was the one who scammed my parents.

The last day of work before Christmas arrives, and John had taken his family away over the christmas / new year period. We had to ensure that the factory was powered down, locked off and secure. No-one else wanted the responsibility so I volunteered. With only Bob and myself still left in the factory, I set about gathering evidence and investigating his finances. I already know about the losses, but digging deeper I find that the company actually has no cash flow. Everything is done on credit. His house, his wife's Range Rover, his Jaguar and several other assets are registered as company assets but they're all on finance through Local Kitchens. He owed at least £750k in credit, loans and mortgages.

Bob advised me against doing anything rash as it would only come back to me and agreed that John needed to be taught a lesson not just for the way he treated his empolyees, but for conning my parents and several others out of their life savings. Bob had found a set of files from 2005 to 2008 with customer complaints for shoddy work in the name of Bad Company. It was far too late to legally do anything about the complaints, but we could bring down John and his smug attitude. Bob suggested I read up on health and safety over christmas, and perform some observations in the new year.

January and February I spent making notes, taking photographs and researching legislation. By the time the end of February rolled around, I had a thick folder full of breaches of health and safety, environmental issues, data protection (or lack thereof) and the lack of software licensing. John was well aware of the software issue, but he said that "as long as the software keeps running, it'll be ok". I had emals from him to back this up, and requests for purchases of software and hardware that were turned down so he could dine out at fancy restaurants or stay in 4 star hotels.

My last day rolls around. I have a much better development job lined up thanks to some recruiter contacts I have, and as the current day was a Thursday and I didn't start my new job until Monday, I planned on sleeping in on Friday. John is strangely absent all day but arrives just as we're all leaving for the day. HE SAYS NOTHING as he watches me leave. I got the impression immediately that he wanted me to stay until Friday, but he said that my last day was "the end of the month" and not "Friday". Unsuprisingly, the pay is late. It's 10pm before it appears in the account.

I went to see my mum that evening and told her who my boss was, the way he simply cast me aside when he was done with me, and that I wanted to break him as revenge for the bad work and what we have always considered as a scam. Now, my mum is the sweetest lady you could ever meet, and I was completely shocked when she actually said "bury the bastard". She even let me use her garden incinerator to destroy the personal hand-written instructions that Bob and myself had created since I started. The knowledge of how to fix issues with the specialist software now only existed in our memories.

Friday rolls around, and I have no reason to get up early. My phone is ringing constantly becuase John is trying to get hold of me and it's soon evident that things are going south, rapidly. Bob sent me a text telling me that he gave John a final invoice at 8AM and walked out. Now, had this been petty revenge then the tale would have ended here with him not being able to use his business-critical unlicensed software, and hiring new people, but this is Pro revenge and my mother did tell me to "bury the bastard" so despite feeling sorry for the one other genuine employee that I had a lot of respect for, I enacted my totally legal if not a little underhanded plan.

I reported Local Kitchens and John to the Federation against Software Theft for illegal use of licensed software, giving them information regarding which software was illegally used and how. Just to be safe, I also reported them directly to those software companies too. I supplied the emails as evidence where I had explained to John that he was breaking the law by not having the correct and valid licenses.

I then called a friend at the local government Health and Safety team, reporting no fewer than thirty rule breaches, sending him the supporting images and video. One of Local Kitchens professional memberships had lapsed, but John was still using the logo on paperwork, email signatures, website and the company van, in addition to the signage on the building. I reported that to the professional body in question. I honesly considered reporting GDPR breaches, but I don't think that he had done anything that could be considered a breach.

A week later, John sent me a message stating that If I was still looking for work, he would pay me £50 per day to do "IT work" for him. It came across as if he was trying to do me a favour. I told him that I was previously on £90 per day, but as I was now a freelance contractor, the going rate was closer to £200 per day. He didn't send me another message.

Three weeks later, and the showroom saleswoman - who we'll call Jane (the one remaining staff member I respected) called me to tell me that John had closed Local Kitchens and declared bankruptcy owing nearly a million pounds. I asked about fines, and she said that Health and Safety were behind a building closure which stopped production causing the bankruptcy. In the same week, he had legal notices for illegal software.

As this unfolded, I kept Bob in the loop and Jane kept me informed. As of the start of July, the final figure for fines was levied. £932k debts to the business, £876k fines too. On that same day, purely by chance I was helping a friend deliver pizza and John placed an order My friend was driving and doing the shop work, and I was going to the door to hand the food over, so I actually got to deliver his food. He was nice enough to me when he opened the door, and stated that if I had done the extra "IT Work" for him then I wouldn't have to deliver pizza. I told him that it was what it was, and questioned the fact that there was only enough for 1 meal - didn't his wife like pizza? He told me that she'd left him and taken the kids back to her parents, and that he wasn't OK with that but he had no choice. I agreed, an then decided to twist the knife even more.

I told him that it was a good job he got rid of me when he did, because I now had a fantastic well-paid job that I'm good at, and that if I had stayed, then I would have brought myself down as well as him. That's when he realised that I had called in all the agencies that had eventually shut him down. He demanded to know why, as he had "given me everything" and "taught me how to work in the kitchen industry". I simply replied with my parents address and the year 2007. I saw the colour drain from his face as he realised that his past had caught up with him. Then I told him how much he had to pay on his pizza, and he threw £40 at me and snatched the food out of my hands, slamming the door in my face. His food was only £21.50, so I got a nice £18.50 tip from him that night.

(source) story by (/u/tac-21a)

[offansandflames]

Another life update

Alright!

So, I’m actually not here to vent (well, not much). A lot of stuff is changing for me, mostly for the better, so I thought I’d share. Mainly, Sam’s back, I’m moving to west LA, and I got a new job.

So yeah, I decided to accept the DaVita job. I’m going to be helping them roll out and strengthen their home dialysis program in west LA. Despite the general corruption in the dialysis industry, home dialysis is something I truly believe in. It prolongs patients’ lives and improves their quality. Plus dialysis clinics are crowded, exhausting, and depressing. It’s gonna involve forecasting market demand, implementing growth strategies, some sales/BD work, coordinating with nurses and doctors, and a bunch of other stuffs. I played hardball in negotiations, and it paid off. I swung a $5k sign on bonus and an extra $3k of annual salary.

For those of you who don’t know, my lifelong dream was to become a pediatrician. Then, when I was about 16, I contracted several chronic illnesses - Bipolar, a benign but growing brain tumor, migraines, and some immune issues. I’d originally entered UCLA as a neurosci major, but it became apparent that my health could not withstand an environment where I’m constantly exposed to pathogens and sleep seems to viewed as a luxury rather than a necessity (internship, ugh). So I figured I’d go in the business route, and this job is getting me closer to that goal. I have a background in consulting and project management, which gives me some good experience to build from.

My last day at my current company is March 15, and my first day at DaVita is April 1. Leaving my job is bittersweet. I announced the news to my team on Tuesday. Multiple people gasped. One almost cried. I really wasn’t expecting that, but given that I’ve been there for 3 years, I suppose it makes sense. Despite the fact that I was miserable in my role, I’m really going to miss the people I’ve worked with. My boss has been extremely supportive and made it clear that I’m welcome should I choose to return.

Anyhow, this also means I’ll be moving from Irvine to west LA. I really don’t like living in crowded areas, but on the bright side, there’s tons of stuff to do there. I’ll also be closer to my family (from 70 miles to 40), which is a mixed bag. My mom used to be extremely toxic to me, but our relationship has massively improved in the past 4 years. When I was on short-term disability about a year ago, she was so supportive, giving me random texts that she loved me and frequently checking up on me. So... I guess I should proceed with caution, given that she turned her back on me when I needed her most. That was years ago, but still, trust issues.

Sam’s back too! That’s a welcome change. We’re going to be so busy looking at apartments, because we have to move in less than 3 weeks and don’t know where we’re going. |D Sam’s dad passed almost 3 weeks ago. Since then, they’ve been constantly surrounded with family. I do wonder if they hadn’t really had time to process what happened. They’ve been mostly sleeping the past couple days, due to the time change and the fact that they had a hard time sleeping the night before the flight. I guess we’ll have to see. I’m just glad I can be there for them.

Oh, and once again, I want to fervently thank everyone for the out-pour of support they’ve given to Bob, me, and Sam. I don’t even have words. Just... You all are amazing, and I love you.

Anyhow, yeah! That’s been my life. Inked is gonna be a bit delayed. I’m hoping to post in March. As you can tell, I’ve been really busy.

[shandragdotson]

Small Business Budget: See a Real Example

Working on your small business budget but not sure where to start? Sometimes it’s helpful just to see a real-life example to help you create your budget. This post will show you:

A real-life example of a successful small business with all the numbers 

A budget template that can help manage tax time headaches

Fixed costs and variable expenses you’ll want to consider

Without further ado, see how Izzy—a designer and small business owner—runs her company’s finances using a YNAB budget for a calm and stress-free financial setup.

About

Name: Izzy K.

Age: 33 years old

Location: Maine 

Job: Customer Support / designer and small business owner 

Living situation: I live with my partner and our dog.

About the Business

What we sell: a line of fine jewelry and custom wedding bands

Business age: 5 years old

Distribution:  website, wholesale to stores, and custom work

Business setup: Single member LLC I do almost every aspect of the business myself – from production to shipping—but I do hire contractors (often talented friends!) on a project-by-project basis for photoshoots and web design projects.

Typical Business Revenue and Profit

Pre-covid revenue: $50,000-$90,000/year 

2020 revenue: roughly $64,000

Profit from business: about $30,000/year in 2020

The pandemic cut down on wholesale orders, paused in-person craft shows and events, and delayed many weddings so my business slowed down a lot last year. 

Cash on Hand

Buffer fund: $1,000

Business true expenses: On top of that, I set aside funds monthly for things like my software subscriptions, raw materials, unexpected costs, and saving up for products or services that are billed infrequently or non-monthly.

The cash I have on hand varies a lot throughout the year. Jewelry, like many product-based handmade businesses, is a very seasonal business. The holidays make up a large part of my annual revenue. 

Debt: $0

I received the Paycheck Protection Program (PPP) loan and Economic Impact Disaster Loan (EIDL) assistance but they’ve both been forgiven so I don’t have any debt at the moment.

While I’m very thankful they’ve both been forgiven, applying was very stressful—the guidance kept changing! 

With the money from the assistance, I invested in a website redesign from a small design firm. Even before the pandemic I was trying to do fewer in-person markets, so this was a way of investing in building towards more online sales and supporting another small, creative business whose work I’ve admired. 

Average Monthly Inflow: $3K-$20K

Because fine jewelry is so seasonal, my inflows vary quite a bit. In my busiest months (November/December), I could bring in $20,000—while in one of my slower months (like March), it might only be $3,000. 

My Small Business Budget

Budget

Catego­ry Target Amount Notes Draw + Contractor Pay Owner's Draw $2,000 I pay myself a set monthly owners draw. Contractor Pay / Line 11 $300 I put money here on a project by project basis. Credit Card Payments Capital One Card $0 I opened two credit cards with the lure of the business sign-up bonus. I'll probably phase out the Chase card. Chase Card $0 Monthly Expenses Shopify – line 8 $29 Website ecommerce platform. Klaviyo – Line 8 – marketing $30 Email newsletter platform Shipstation – Line 27 – software $10 This service gives me the ability to print and ship USPS and UPS packages from home. Domains and Emails – Line 8 $10 Billed yearly, I save this much each month. Planoly – Line 27 $6 Schedules and posts on Instagram automatically. Adobe – Line 27 $30 I use Indesign, Photoshop, and Bridge the most. MileIQ – Line 27 $6 This is a phone app that tracks business mileage. Swipe one direction for personal drives, swipe the other direction for business drives. COGS – Part II Materials – COGS line 38 $1,084 I budget for materials and supplies as needed. Metal prices vary quite a bit and I end up moving money around frequently. Supplies – COGS Line 38 $38 Packaging – COGS Line 38 $94 Shipping – Line 27 $0 Quarterly Expenses Quarterly Taxes $330 I calculate taxes needed based on sales, or based on the year before. Sales & Use Tax – Line 23 $79 I collect sales tax for people in Maine (I'm small enough I don't have to collect nation wide) or when I travel to in-person events in different states. Whenever I get an order/purchase where sales tax needs to be charged I set that money aside in this category. Variable Expenses Flexible Funds $71 This is my cushion fund. I drop in leftover money from other categories here. Marketing – Line 8 $0 Paid ads Print Materials – Line 8 $50 Tools and Equipment – line 22 $60 Supplies – Line 22 $0 Office Expenses – Line 18 $0 Customer Returns – Line 2 $0 Shows/Travel Vendor Fees – Line 10 $0 Display – Line 8 $0 Travel – Line 24A $500 Have an upcoming show in the fall. Deductible Meals – Line 24 B $0 Infrequent Variable Expenses Continuing Educatino – Line 27 $0 Commissions and Fees – Line 10 $0 Annual Expenses Taxes and Licenses – Line 23 $7 LLC registration. Forms that happen once a year Saving Profit – 5% – March June September December $16 5% of sales goes in here. Have $543. Quarterly pay myself a distribution. Buffer Fund $0 Capped off at $1,000 PPP Loan Repayment $0 Ready didn't need it.

Total Needed $4,750

About My Budget

My small business budget is set up in YNAB and it’s worked really well to measure my financial health and help with short and long-term planning.

I keep my owner’s draw category at the top of my budget to keep the number in front of me. I found early on in my business I was so excited about the idea of “business expenses” that it was easy to fritter money away. It’s all a tradeoff—every time I buy something, it could mean you can’t pay yourself as much, and I’m reminded of that tradeoff every time I open my budget. 

I file taxes as a sole proprietor (Schedule C for taxes). To make it easier for tax purposes, I set up my budget to include the corresponding line number of the Schedule C form. Accounting software like Quickbooks and Xero do these things behind the scenes, but I do it actively in YNAB. 

There’s an accounting firm called Sunlight Tax that specializes in accounting for creative small businesses that also provides a lot of education—I took a workshop with them and learned so much about better organizing my bookkeeping and how to create a business budget. The owner, Hannah Cole, was actually on the YNAB podcast talking about how artists and creatives can simplify their taxes. 

How I Manage Money with My Small Business

To manage money in my business, I use:

A business checking account

A checking account with Square

A high-yield savings account with Square

Two credit cards that I pay off in full each month

YNAB to budget and keep everything organized

I used Quickbooks Online in previous years as my small business budget—mostly because I thought it was what “real” businesses used and because it was what the accountant I was working with at the time recommended. But I found YNAB was even more helpful in decision making and planning. In YNAB I can see my runway based on the money I had in my accounts—literally the period of time I have until the money in my accounts will run out and what it will cover. 

Seeing my income and expenses in this light empowered me to invest in the website redesign project because I could see exactly what would happen in my budget if I moved money to a “website” category. I like that YNAB lets you take care of what you need to for tax compliance but also serves as a decision-making tool when you’re budgeting for your business.

Learn how to set up a business budget in YNAB.

A few times a week, I’ll pop into my budget to import and categorize transactions. Friday is my big day to do money things:

I reconcile my budget to my bank account to make sure they match

I move money around to cover any overspending (a key principle in zero-based budgeting)

Any other more irregular things (like paying sales tax or paying out invoices) I also do on Friday. 

I set up Square, Shopify, and Stripe to deposit once a week on Thursdays, so the money is there on Friday to allocate. 

With my business budget, I’m always a month ahead with expenses: when money comes in, I budget out a month before I fill up my owner’s draw category and start filling in other more “optional” categories. For example, when I flip into October, I’ll go into November’s set expenses and fill those up. 

For taxes, I’ve worked with an accountant before but this past year I did my own taxes because I’m very interested in them (thanks to Sunlight Tax!). I think generally it does make sense to work with an accountant and I really liked the one I worked with previously. 

Every quarter (September, January, April, June), I sit down and figure out my profit. Based on that number, I submit my estimated taxes. When it comes to April’s annual taxes, the self-employment tax I owe has already been submitted and I’m usually pretty close to the right amount.

How I Got into Running My Own Small Business

I was an English major and I’ve always been creative. I never set out to start my own jewelry line, but after working for a number of other design studios I decided to take the leap.

As a creative, I think I’d always been told I wouldn’t like the numbers side of running a business. I’d absorbed the narrative that creative people don’t like money. That’s not true and not helpful.

I went through a community-based entrepreneurship training during the first year of running my business that went over basic business financial topics like running a breakeven or cash flow analysis. It turned out I actually love the numbers side of the business—it’s so interesting. 

The business is now five years old, and the creativity never stops when I leave my studio. To me running a business feels like a holistic creative practice—figuring out logistics like shipping and packaging, determining how to learn the new skills I need, structuring my budget and constantly re-evaluating how to best use the resources I have available—it’s all deeply creative.

My Financial Goals

When it comes to business performance, I want to shift to more online-centered sales so I don’t have to travel as much as I had before the pandemic. I’d like to break $100,000 in revenue and make the business more profitable as time goes on too. Early on, I was spending money on accumulating equipment and tools, so much of the money I was making was going straight back into growing the business.

Personally, we’re saving for a down payment and I’d love to build a tiny house or freestanding studio in the backyard for my business. 

In the big picture, running my own business gets myself and my partner closer to our goal of financial independence, and having control over our time. 

I would rate my current business financial situation as a 3.5/5. I’m working towards building more revenue and streamlining the business to make it more profitable but I also feel truly proud of how far the business has come.

But I would rate my current peace around finances: 5/5. I feel clarity around what I want to do with my business resources and after having been in business for a few years not too many variable costs truly surprise me anymore.

You’ve been perusing small business budgeting templates, are you ready to turn one into the real thing? Learn more about using YNAB to manage your small business budget.

Learn More

The post Small Business Budget: See a Real Example appeared first on You Need A Budget.

from Finance https://www.youneedabudget.com/small-business-budget-see-a-real-example/ via http://www.rssmix.com/

[rawcbwzx-blog]

Whats the cheapest Car insurance?

Whats the cheapest Car insurance?

Im 19 about to turn 20. I have a drivers liscence but no car. i need the cheapest insurance that will allow me to legally drive any normal car. I live in long beach, ca.

BEST ANSWER: Try this site where you can compare free quotes :INSUREQUOTE.US

SOURCES:

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[michaeljtraylor]

Ramblings from my latest Minimum Spend rush

I’ve happily moved away from almost all manufactured spend, but recently found myself with a somewhat pressing need to meet some hefty minimums.  I learned some good lessons here, that perhaps will help.  One thing I’ll suggest is that if you’re currently happy with doing giftcards/money orders or have some other gigs running, it might be harder to get onboard with what I’ve been up to, so put it in the someday/maybe file.

Need Requirements

Before Spend Requirements was need.  I needed 6 nights (2 nights then 4 nights) of hotels (nice ones, because I’m valuing vacation time very highly right now) and I also needed to finish a full $1K of spend on a recent AS card application (acquired with pure speculation in mind).

Spend Requirements

I identified a great SPG property that was 10K per night ($380 cash price) that worked for the first two nights. $5K Spend

I identified a 5 star hilton for 50K per night, or a 4 star DoubleTree for 20K per night.  Haven’t decided on which one I will go for yet. $3K Spend.

That AS card.. $1K Spend

All in, $9K spend required, and I need it fast because I want the hotels locked in.. we’re talking first 1-2 weeks of card ownership to hit these.

The Strategy

I held both the SPG and AS card ($6k Spend) for a week or so before executing spend.  This allowed me to finish off spend on the other AS card I got (His/Hers) before focusing on the next ones.  I decided that I would use a recent (future at the time) cruise to meet min spend, unfortunately I didn’t identify and execute the Hilton points (100K Surpass offer) until a day or so before departure, so it didn’t come along for the ride.

As an aside, I try to work on a dual ‘Speculative Points’ like the AS ones, and ‘Target Points’ like the SPG ones wherever possible. This is a shift from where I was something in a lull and avoided all speculative applications.

Paying a Premium

After several years, and 11 free cruises, I’m starting to fall out of favor with NCL. The swine.  For the first time, they set me at a tier level that doesn’t include free casino advances.  I tried to quickly engineer that, and have them re-evaluate, but didn’t like the attitude of the person I was working with, and rather than ‘HUCA’ them I decided to just ignore the loss and grab a Margarita and hit the pool instead. That cruise the casino still gave me $200 of free money in addition to the cruise, so whatevs.

I put the SPG card as the credit card on file for the cruise (this one scoops up all expenses) and pulled out about $6K from the Casino at 3%.  I then visited the front desk of the cruise and asked to make a partial payment of $1K on the AS card.  All in, $180 to meet the spend, in exchange for straight cash.

I’d lie if I said it was instant.  The line in the cruise front desk is akin to walmart, albeit a little shorter, but the key difference being that I was able to sip on a Pina Colada while waiting in it.

First Lesson

Paying cash to meet spend, at $30 per $1,000 makes you appreciate that the amount of min spend required to trigger a bonus matters.  It was starkly obvious when dealing with the extremes of a $5K card and a $1K card. I do wonder if I would have noticed this difference if both cards were at $3K. Previously, when MSing it’s something I’ve never really cared about at the $0-$5K min spend levels, but it does make a difference in both cost and time.  For the MSer’s, many times you cannot buy either the GC or the MO at that level in a single transaction, but you ignore that you are doing multiple trips to make spend because it is ‘free’.

The fee for gaining 30,000 SPG (25+spend of 5) was $150.  This means that my hotel cost $75 per night, and I have 10k leftover. 10K SPG is a solid night ‘somewhere’ but I still value these as ‘orphaned points’ because I have no pressing need for them right now.

Luckily for me year 1 fee is waived, but frankly, if the card had $95 fee attached too, I would have still spent $245 for the bonus because it involved such a low level of friction to my daily routine. However, it reinforces that ‘travel is rarely free’ and instead pushes the notion of ‘deeply discounted’.  I think that the willing acceptance to pay $150 to gain the bonus, vs run around town with giftcards and money orders is a big step.

My takeaway from this is that I’m more than happy to pay $150 (or $245) for the two nights in the hotel that I wanted, even if I could have spent about $30 to do it for free, via several visits to Walmart…

Fancy enough for $75 a night, and I’m a loyal SPG Gold, don’t you know?

So my first lesson is that min spending even with a 3% surcharge is a good deal for me.  

The next step of that was the Altitude Reserve.. while I didn’t do it this trip (more out of laziness than anything) I’m also happy to ‘Invest’ in Altitude Reserve points, with some caveats….

An Altitude Reserve point is worth 1.5 cents, and earned at 3x on travel.  Therefore, even without chasing a bonus, paying $30 for $45 of hotel travel is a good deal to me.  It is an investment, because I would move asset class from cash, to funny money. I would hesitate to do this too far into the future speculatively due to the risk that the Altitude Reserve is not backed by Silver, like the USD, but I would move in a certain amount of points in order to cover my immediate 6-12 month travel.

Back from the Cruise

Two cards down, but $3K on the Hilton Surpass to go and a goal of 7 days to meet spend.  My first thought was Kiva.  I like using Kiva for lazy ‘MS’ it has no fee to fund, but it has two downsides: 

Risk of Loss (I lose money on Kiva, but it still has worked out less than 3% via luck and diversification.

Time to repay (lock up of float for 6 months or longer has a price, vs getting cash from Walmart which can actually work out as a free loan..)

My mind went then to the IRS.  I expect another refund this year, and we haven’t paid any tax yet so in theory I could give them a loan and get it back.  I generally don’t advise messing with the IRS though, and like Kiva, it has two downsides:

A fixed fee to fund via credits card (less risk of loss, more guarantee of loss)

Time to repay (3 months vs 6 months, but still a lockup period)

Then I started thinking ‘outside the box’…

Second Lesson

After a while, It can be very easy to forget about real spend.  Personally, for the last 2-3 years I’ve been doing min spend in 1 transaction in most cases, but since my time became limited, and options closed, things have changed. I rarely think about using a card for ‘real spend’ as I have a few that I use for this. With fewer options, I started looking around for real expenses that were close, and see if I could ‘Forward Shift’. I managed to apply about $1400 here via reimbursed business expenses. I generally avoid this also, because it is a PITA to track, but since the year is almost over, and I have good accounting software, I went for it.  

In addition, I was able to look forward to November/December and find items like our Car insurance payment, and was able to send in the funds a bit early.

In terms of a relatable example, Resellers have a great option here, because if you buy $1K of inventory on a personal card, you can reimburse it instantly, even if it takes 6 months or more to sell.  For me, it was mainly licenses and renewals for various professional organizations.

One thing that caught me was ‘Swap Spending’ or the destruction of priority. With this, I mean that when my goal is 100% fixated on meeting $3K spend naturally, without ‘wasting’ 3% on a transaction fee, or locking up money for the IRS, I would forget the opportunity of the transaction.

The Surpass was a bad example of this, because it offers some multipliers for Dining and Supermarkets, but I would typically use a OBC for Supermarkets (not MSing) for 5% and at least 2x to 3x points Dining card (TYP Premier, or other) those points further being uplifted by 25% or more at spend stage.

The lesson I picked up here was that by shifting natural/organic spend to the card of the day, slipping a $100 grocery bill onto the new card vs the 5% card came at a cost.  Often times that cost could be 3%, if you value the points (not the bonus) at 2%.  So it might be better to stick with the old 5% transaction, and pay 3% out of pocket to build the $3K minimum.

Interestingly, the Surpass could be a good argument for, or against this lesson. On the one hand, at 6x you could argue a full $3000 of Grocery spend being valued at 18,000 could be another night, or almost two, if you can find a property that fits.  Alternatively, you might find that 18,000 points are orphaned in your account for years, and have no value.

So what did I learn?

I’m fine paying 3% transactions fees. I’d pay more than 3% if I can profit.

I like profit.

I’m OK with fancy hotels.

Even if all MS dies, right now we’re looking at perhaps a 50% uplift from certain programs, which in some alternative universe, or dystopian future, is still epic. Especially if it involves less work than the glory days.

  (PS the USD dollar is fiat currency, it is backed by the US Government, which is supposed to be more stable than the Altitude Reserve, but who knows…)

(PPS I now get all my referrals, wherever possible, from fellow humans. For a while I tried to support a few blogs that I like, but I really think that there’s a nice touch in getting a personal referral, so thanks to Amol for the SPG and to Brandon for the Surpass)

The post Ramblings from my latest Minimum Spend rush appeared first on Saverocity Travel.

* This article was originally published here

from RSSMix.com Mix ID 8312273 https://proshoppingservice.com/ramblings-from-my-latest-minimum-spend-rush/ from Garko Media https://garkomedia1.tumblr.com/post/183979236309

[garkomedia1]

Ramblings from my latest Minimum Spend rush

I’ve happily moved away from almost all manufactured spend, but recently found myself with a somewhat pressing need to meet some hefty minimums.  I learned some good lessons here, that perhaps will help.  One thing I’ll suggest is that if you’re currently happy with doing giftcards/money orders or have some other gigs running, it might be harder to get onboard with what I’ve been up to, so put it in the someday/maybe file.

Need Requirements

Before Spend Requirements was need.  I needed 6 nights (2 nights then 4 nights) of hotels (nice ones, because I’m valuing vacation time very highly right now) and I also needed to finish a full $1K of spend on a recent AS card application (acquired with pure speculation in mind).

Spend Requirements

I identified a great SPG property that was 10K per night ($380 cash price) that worked for the first two nights. $5K Spend

I identified a 5 star hilton for 50K per night, or a 4 star DoubleTree for 20K per night.  Haven’t decided on which one I will go for yet. $3K Spend.

That AS card.. $1K Spend

All in, $9K spend required, and I need it fast because I want the hotels locked in.. we’re talking first 1-2 weeks of card ownership to hit these.

The Strategy

I held both the SPG and AS card ($6k Spend) for a week or so before executing spend.  This allowed me to finish off spend on the other AS card I got (His/Hers) before focusing on the next ones.  I decided that I would use a recent (future at the time) cruise to meet min spend, unfortunately I didn’t identify and execute the Hilton points (100K Surpass offer) until a day or so before departure, so it didn’t come along for the ride.

As an aside, I try to work on a dual ‘Speculative Points’ like the AS ones, and ‘Target Points’ like the SPG ones wherever possible. This is a shift from where I was something in a lull and avoided all speculative applications.

Paying a Premium

After several years, and 11 free cruises, I’m starting to fall out of favor with NCL. The swine.  For the first time, they set me at a tier level that doesn’t include free casino advances.  I tried to quickly engineer that, and have them re-evaluate, but didn’t like the attitude of the person I was working with, and rather than ‘HUCA’ them I decided to just ignore the loss and grab a Margarita and hit the pool instead. That cruise the casino still gave me $200 of free money in addition to the cruise, so whatevs.

I put the SPG card as the credit card on file for the cruise (this one scoops up all expenses) and pulled out about $6K from the Casino at 3%.  I then visited the front desk of the cruise and asked to make a partial payment of $1K on the AS card.  All in, $180 to meet the spend, in exchange for straight cash.

I’d lie if I said it was instant.  The line in the cruise front desk is akin to walmart, albeit a little shorter, but the key difference being that I was able to sip on a Pina Colada while waiting in it.

First Lesson

Paying cash to meet spend, at $30 per $1,000 makes you appreciate that the amount of min spend required to trigger a bonus matters.  It was starkly obvious when dealing with the extremes of a $5K card and a $1K card. I do wonder if I would have noticed this difference if both cards were at $3K. Previously, when MSing it’s something I’ve never really cared about at the $0-$5K min spend levels, but it does make a difference in both cost and time.  For the MSer’s, many times you cannot buy either the GC or the MO at that level in a single transaction, but you ignore that you are doing multiple trips to make spend because it is ‘free’.

The fee for gaining 30,000 SPG (25+spend of 5) was $150.  This means that my hotel cost $75 per night, and I have 10k leftover. 10K SPG is a solid night ‘somewhere’ but I still value these as ‘orphaned points’ because I have no pressing need for them right now.

Luckily for me year 1 fee is waived, but frankly, if the card had $95 fee attached too, I would have still spent $245 for the bonus because it involved such a low level of friction to my daily routine. However, it reinforces that ‘travel is rarely free’ and instead pushes the notion of ‘deeply discounted’.  I think that the willing acceptance to pay $150 to gain the bonus, vs run around town with giftcards and money orders is a big step.

My takeaway from this is that I’m more than happy to pay $150 (or $245) for the two nights in the hotel that I wanted, even if I could have spent about $30 to do it for free, via several visits to Walmart…

Fancy enough for $75 a night, and I’m a loyal SPG Gold, don’t you know?

So my first lesson is that min spending even with a 3% surcharge is a good deal for me.  

The next step of that was the Altitude Reserve.. while I didn’t do it this trip (more out of laziness than anything) I’m also happy to ‘Invest’ in Altitude Reserve points, with some caveats….

An Altitude Reserve point is worth 1.5 cents, and earned at 3x on travel.  Therefore, even without chasing a bonus, paying $30 for $45 of hotel travel is a good deal to me.  It is an investment, because I would move asset class from cash, to funny money. I would hesitate to do this too far into the future speculatively due to the risk that the Altitude Reserve is not backed by Silver, like the USD, but I would move in a certain amount of points in order to cover my immediate 6-12 month travel.

Back from the Cruise

Two cards down, but $3K on the Hilton Surpass to go and a goal of 7 days to meet spend.  My first thought was Kiva.  I like using Kiva for lazy ‘MS’ it has no fee to fund, but it has two downsides: 

Risk of Loss (I lose money on Kiva, but it still has worked out less than 3% via luck and diversification.

Time to repay (lock up of float for 6 months or longer has a price, vs getting cash from Walmart which can actually work out as a free loan..)

My mind went then to the IRS.  I expect another refund this year, and we haven’t paid any tax yet so in theory I could give them a loan and get it back.  I generally don’t advise messing with the IRS though, and like Kiva, it has two downsides:

A fixed fee to fund via credits card (less risk of loss, more guarantee of loss)

Time to repay (3 months vs 6 months, but still a lockup period)

Then I started thinking ‘outside the box’…

Second Lesson

After a while, It can be very easy to forget about real spend.  Personally, for the last 2-3 years I’ve been doing min spend in 1 transaction in most cases, but since my time became limited, and options closed, things have changed. I rarely think about using a card for ‘real spend’ as I have a few that I use for this. With fewer options, I started looking around for real expenses that were close, and see if I could ‘Forward Shift’. I managed to apply about $1400 here via reimbursed business expenses. I generally avoid this also, because it is a PITA to track, but since the year is almost over, and I have good accounting software, I went for it.  

In addition, I was able to look forward to November/December and find items like our Car insurance payment, and was able to send in the funds a bit early.

In terms of a relatable example, Resellers have a great option here, because if you buy $1K of inventory on a personal card, you can reimburse it instantly, even if it takes 6 months or more to sell.  For me, it was mainly licenses and renewals for various professional organizations.

One thing that caught me was ‘Swap Spending’ or the destruction of priority. With this, I mean that when my goal is 100% fixated on meeting $3K spend naturally, without ‘wasting’ 3% on a transaction fee, or locking up money for the IRS, I would forget the opportunity of the transaction.

The Surpass was a bad example of this, because it offers some multipliers for Dining and Supermarkets, but I would typically use a OBC for Supermarkets (not MSing) for 5% and at least 2x to 3x points Dining card (TYP Premier, or other) those points further being uplifted by 25% or more at spend stage.

The lesson I picked up here was that by shifting natural/organic spend to the card of the day, slipping a $100 grocery bill onto the new card vs the 5% card came at a cost.  Often times that cost could be 3%, if you value the points (not the bonus) at 2%.  So it might be better to stick with the old 5% transaction, and pay 3% out of pocket to build the $3K minimum.

Interestingly, the Surpass could be a good argument for, or against this lesson. On the one hand, at 6x you could argue a full $3000 of Grocery spend being valued at 18,000 could be another night, or almost two, if you can find a property that fits.  Alternatively, you might find that 18,000 points are orphaned in your account for years, and have no value.

So what did I learn?

I’m fine paying 3% transactions fees. I’d pay more than 3% if I can profit.

I like profit.

I’m OK with fancy hotels.

Even if all MS dies, right now we’re looking at perhaps a 50% uplift from certain programs, which in some alternative universe, or dystopian future, is still epic. Especially if it involves less work than the glory days.

    (PS the USD dollar is fiat currency, it is backed by the US Government, which is supposed to be more stable than the Altitude Reserve, but who knows…)

(PPS I now get all my referrals, wherever possible, from fellow humans. For a while I tried to support a few blogs that I like, but I really think that there’s a nice touch in getting a personal referral, so thanks to Amol for the SPG and to Brandon for the Surpass)

  The post Ramblings from my latest Minimum Spend rush appeared first on Saverocity Travel.

* This article was originally published here

from RSSMix.com Mix ID 8312273 https://proshoppingservice.com/ramblings-from-my-latest-minimum-spend-rush/

[garkodigitalmedia]

Ramblings from my latest Minimum Spend rush

I’ve happily moved away from almost all manufactured spend, but recently found myself with a somewhat pressing need to meet some hefty minimums.  I learned some good lessons here, that perhaps will help.  One thing I’ll suggest is that if you’re currently happy with doing giftcards/money orders or have some other gigs running, it might be harder to get onboard with what I’ve been up to, so put it in the someday/maybe file.

Need Requirements

Before Spend Requirements was need.  I needed 6 nights (2 nights then 4 nights) of hotels (nice ones, because I’m valuing vacation time very highly right now) and I also needed to finish a full $1K of spend on a recent AS card application (acquired with pure speculation in mind).

Spend Requirements

I identified a great SPG property that was 10K per night ($380 cash price) that worked for the first two nights. $5K Spend

I identified a 5 star hilton for 50K per night, or a 4 star DoubleTree for 20K per night.  Haven’t decided on which one I will go for yet. $3K Spend.

That AS card.. $1K Spend

All in, $9K spend required, and I need it fast because I want the hotels locked in.. we’re talking first 1-2 weeks of card ownership to hit these.

The Strategy

I held both the SPG and AS card ($6k Spend) for a week or so before executing spend.  This allowed me to finish off spend on the other AS card I got (His/Hers) before focusing on the next ones.  I decided that I would use a recent (future at the time) cruise to meet min spend, unfortunately I didn’t identify and execute the Hilton points (100K Surpass offer) until a day or so before departure, so it didn’t come along for the ride.

As an aside, I try to work on a dual ‘Speculative Points’ like the AS ones, and ‘Target Points’ like the SPG ones wherever possible. This is a shift from where I was something in a lull and avoided all speculative applications.

Paying a Premium

After several years, and 11 free cruises, I’m starting to fall out of favor with NCL. The swine.  For the first time, they set me at a tier level that doesn’t include free casino advances.  I tried to quickly engineer that, and have them re-evaluate, but didn’t like the attitude of the person I was working with, and rather than ‘HUCA’ them I decided to just ignore the loss and grab a Margarita and hit the pool instead. That cruise the casino still gave me $200 of free money in addition to the cruise, so whatevs.

I put the SPG card as the credit card on file for the cruise (this one scoops up all expenses) and pulled out about $6K from the Casino at 3%.  I then visited the front desk of the cruise and asked to make a partial payment of $1K on the AS card.  All in, $180 to meet the spend, in exchange for straight cash.

I’d lie if I said it was instant.  The line in the cruise front desk is akin to walmart, albeit a little shorter, but the key difference being that I was able to sip on a Pina Colada while waiting in it.

First Lesson

Paying cash to meet spend, at $30 per $1,000 makes you appreciate that the amount of min spend required to trigger a bonus matters.  It was starkly obvious when dealing with the extremes of a $5K card and a $1K card. I do wonder if I would have noticed this difference if both cards were at $3K. Previously, when MSing it’s something I’ve never really cared about at the $0-$5K min spend levels, but it does make a difference in both cost and time.  For the MSer’s, many times you cannot buy either the GC or the MO at that level in a single transaction, but you ignore that you are doing multiple trips to make spend because it is ‘free’.

The fee for gaining 30,000 SPG (25+spend of 5) was $150.  This means that my hotel cost $75 per night, and I have 10k leftover. 10K SPG is a solid night ‘somewhere’ but I still value these as ‘orphaned points’ because I have no pressing need for them right now.

Luckily for me year 1 fee is waived, but frankly, if the card had $95 fee attached too, I would have still spent $245 for the bonus because it involved such a low level of friction to my daily routine. However, it reinforces that ‘travel is rarely free’ and instead pushes the notion of ‘deeply discounted’.  I think that the willing acceptance to pay $150 to gain the bonus, vs run around town with giftcards and money orders is a big step.

My takeaway from this is that I’m more than happy to pay $150 (or $245) for the two nights in the hotel that I wanted, even if I could have spent about $30 to do it for free, via several visits to Walmart…

Fancy enough for $75 a night, and I’m a loyal SPG Gold, don’t you know?

So my first lesson is that min spending even with a 3% surcharge is a good deal for me.  

The next step of that was the Altitude Reserve.. while I didn’t do it this trip (more out of laziness than anything) I’m also happy to ‘Invest’ in Altitude Reserve points, with some caveats….

An Altitude Reserve point is worth 1.5 cents, and earned at 3x on travel.  Therefore, even without chasing a bonus, paying $30 for $45 of hotel travel is a good deal to me.  It is an investment, because I would move asset class from cash, to funny money. I would hesitate to do this too far into the future speculatively due to the risk that the Altitude Reserve is not backed by Silver, like the USD, but I would move in a certain amount of points in order to cover my immediate 6-12 month travel.

Back from the Cruise

Two cards down, but $3K on the Hilton Surpass to go and a goal of 7 days to meet spend.  My first thought was Kiva.  I like using Kiva for lazy ‘MS’ it has no fee to fund, but it has two downsides: 

Risk of Loss (I lose money on Kiva, but it still has worked out less than 3% via luck and diversification.

Time to repay (lock up of float for 6 months or longer has a price, vs getting cash from Walmart which can actually work out as a free loan..)

My mind went then to the IRS.  I expect another refund this year, and we haven’t paid any tax yet so in theory I could give them a loan and get it back.  I generally don’t advise messing with the IRS though, and like Kiva, it has two downsides:

A fixed fee to fund via credits card (less risk of loss, more guarantee of loss)

Time to repay (3 months vs 6 months, but still a lockup period)

Then I started thinking ‘outside the box’…

Second Lesson

After a while, It can be very easy to forget about real spend.  Personally, for the last 2-3 years I’ve been doing min spend in 1 transaction in most cases, but since my time became limited, and options closed, things have changed. I rarely think about using a card for ‘real spend’ as I have a few that I use for this. With fewer options, I started looking around for real expenses that were close, and see if I could ‘Forward Shift’. I managed to apply about $1400 here via reimbursed business expenses. I generally avoid this also, because it is a PITA to track, but since the year is almost over, and I have good accounting software, I went for it.  

In addition, I was able to look forward to November/December and find items like our Car insurance payment, and was able to send in the funds a bit early.

In terms of a relatable example, Resellers have a great option here, because if you buy $1K of inventory on a personal card, you can reimburse it instantly, even if it takes 6 months or more to sell.  For me, it was mainly licenses and renewals for various professional organizations.

One thing that caught me was ‘Swap Spending’ or the destruction of priority. With this, I mean that when my goal is 100% fixated on meeting $3K spend naturally, without ‘wasting’ 3% on a transaction fee, or locking up money for the IRS, I would forget the opportunity of the transaction.

The Surpass was a bad example of this, because it offers some multipliers for Dining and Supermarkets, but I would typically use a OBC for Supermarkets (not MSing) for 5% and at least 2x to 3x points Dining card (TYP Premier, or other) those points further being uplifted by 25% or more at spend stage.

The lesson I picked up here was that by shifting natural/organic spend to the card of the day, slipping a $100 grocery bill onto the new card vs the 5% card came at a cost.  Often times that cost could be 3%, if you value the points (not the bonus) at 2%.  So it might be better to stick with the old 5% transaction, and pay 3% out of pocket to build the $3K minimum.

Interestingly, the Surpass could be a good argument for, or against this lesson. On the one hand, at 6x you could argue a full $3000 of Grocery spend being valued at 18,000 could be another night, or almost two, if you can find a property that fits.  Alternatively, you might find that 18,000 points are orphaned in your account for years, and have no value.

So what did I learn?

I’m fine paying 3% transactions fees. I’d pay more than 3% if I can profit.

I like profit.

I’m OK with fancy hotels.

Even if all MS dies, right now we’re looking at perhaps a 50% uplift from certain programs, which in some alternative universe, or dystopian future, is still epic. Especially if it involves less work than the glory days.

    (PS the USD dollar is fiat currency, it is backed by the US Government, which is supposed to be more stable than the Altitude Reserve, but who knows…)

(PPS I now get all my referrals, wherever possible, from fellow humans. For a while I tried to support a few blogs that I like, but I really think that there’s a nice touch in getting a personal referral, so thanks to Amol for the SPG and to Brandon for the Surpass)

  The post Ramblings from my latest Minimum Spend rush appeared first on Saverocity Travel.

* This article was originally published here

from RSSMix.com Mix ID 8312273 https://proshoppingservice.com/ramblings-from-my-latest-minimum-spend-rush/

[nicholerestrada]

Ramblings from my latest Minimum Spend rush

I’ve happily moved away from almost all manufactured spend, but recently found myself with a somewhat pressing need to meet some hefty minimums. ; I learned some good lessons here, that perhaps will help. ; One thing I’ll suggest is that if you’re currently happy with doing giftcards/money orders or have some other gigs running, it might be harder to get onboard with what I’ve been up to, so put it in the someday/maybe file.

Need Requirements

Before Spend Requirements was need. ; I needed 6 nights (2 nights then 4 nights) of hotels (nice ones, because I’m valuing vacation time very highly right now) and I also needed to finish a full $1K of spend on a recent AS card application (acquired with pure speculation in mind).

Spend Requirements

I identified a great SPG property that was 10K per night ($380 cash price) that worked for the first two nights. $5K Spend

I identified a 5 star hilton for 50K per night, or a 4 star DoubleTree for 20K per night. ; Haven’t decided on which one I will go for yet. $3K Spend.

That AS card.. $1K Spend

All in, $9K spend required, and I need it fast because I want the hotels locked in.. we’re talking first 1-2 weeks of card ownership to hit these.

The Strategy

I held both the SPG and AS card ($6k Spend) for a week or so before executing spend. ; This allowed me to finish off spend on the other AS card I got (His/Hers) before focusing on the next ones. ; I decided that I would use a recent (future at the time) cruise to meet min spend, unfortunately I didn’t identify and execute the Hilton points (100K Surpass offer) until a day or so before departure, so it didn’t come along for the ride.

As an aside, I try to work on a dual ‘Speculative Points’ like the AS ones, and ‘Target Points’ like the SPG ones wherever possible. This is a shift from where I was something in a lull and avoided all speculative applications.

Paying a Premium

After several years, and 11 free cruises, I’m starting to fall out of favor with NCL. The swine. ; For the first time, they set me at a tier level that doesn’t include free casino advances. ; I tried to quickly engineer that, and have them re-evaluate, but didn’t like the attitude of the person I was working with, and rather than ‘HUCA’ them I decided to just ignore the loss and grab a Margarita and hit the pool instead. That cruise the casino still gave me $200 of free money in addition to the cruise, so whatevs.

I put the SPG card as the credit card on file for the cruise (this one scoops up all expenses) and pulled out about $6K from the Casino at 3%. ; I then visited the front desk of the cruise and asked to make a partial payment of $1K on the AS card. ; All in, $180 to meet the spend, in exchange for straight cash.

I’d lie if I said it was instant. ; The line in the cruise front desk is akin to walmart, albeit a little shorter, but the key difference being that I was able to sip on a Pina Colada while waiting in it.

First Lesson

Paying cash to meet spend, at $30 per $1,000 makes you appreciate that the amount of min spend required to trigger a bonus matters. ; It was starkly obvious when dealing with the extremes of a $5K card and a $1K card. I do wonder if I would have noticed this difference if both cards were at $3K. Previously, when MSing it’s something I’ve never really cared about at the $0-$5K min spend levels, but it does make a difference in both cost and time. ; For the MSer’s, many times you cannot buy either the GC or the MO at that level in a single transaction, but you ignore that you are doing multiple trips to make spend because it is ‘free’.

The fee for gaining 30,000 SPG (25+spend of 5) was $150. ; This means that my hotel cost $75 per night, and I have 10k leftover. 10K SPG is a solid night ‘somewhere’ but I still value these as ‘orphaned points’ because I have no pressing need for them right now.

Luckily for me year 1 fee is waived, but frankly, if the card had $95 fee attached too, I would have still spent $245 for the bonus because it involved such a low level of friction to my daily routine. However, it reinforces that ‘travel is rarely free’ and instead pushes the notion of ‘deeply discounted’. ; I think that the willing acceptance to pay $150 to gain the bonus, vs run around town with giftcards and money orders is a big step.

My takeaway from this is that I’m more than happy to pay $150 (or $245) for the two nights in the hotel that I wanted, even if I could have spent about $30 to do it for free, via several visits to Walmart…

Fancy enough for $75 a night, and I’m a loyal SPG Gold, don’t you know?

So my first lesson is that min spending even with a 3% surcharge is a good deal for me. ; ;

The next step of that was the Altitude Reserve.. while I didn’t do it this trip (more out of laziness than anything) I’m also happy to ‘Invest’ in Altitude Reserve points, with some caveats….

An Altitude Reserve point is worth 1.5 cents, and earned at 3x on travel. ; Therefore, even without chasing a bonus, paying $30 for $45 of hotel travel is a good deal to me. ; It is an investment, because I would move asset class from cash, to funny money. I would hesitate to do this too far into the future speculatively due to the risk that the Altitude Reserve is not backed by Silver, like the USD, but I would move in a certain amount of points in order to cover my immediate 6-12 month travel.

Back from the Cruise

Two cards down, but $3K on the Hilton Surpass to go and a goal of 7 days to meet spend. ; My first thought was Kiva. ; I like using Kiva for lazy ‘MS’ it has no fee to fund, but it has two downsides: ;

Risk of Loss (I lose money on Kiva, but it still has worked out less than 3% via luck and diversification.

Time to repay (lock up of float for 6 months or longer has a price, vs getting cash from Walmart which can actually work out as a free loan..)

My mind went then to the IRS. ; I expect another refund this year, and we haven’t paid any tax yet so in theory I could give them a loan and get it back. ; I generally don’t advise messing with the IRS though, and like Kiva, it has two downsides:

A fixed fee to fund via credits card (less risk of loss, more guarantee of loss)

Time to repay (3 months vs 6 months, but still a lockup period)

Then I started thinking ‘outside the box’…

Second Lesson

After a while, It can be very easy to forget about real spend. ; Personally, for the last 2-3 years I’ve been doing min spend in 1 transaction in most cases, but since my time became limited, and options closed, things have changed. I rarely think about using a card for ‘real spend’ as I have a few that I use for this. With fewer options, I started looking around for real expenses that were close, and see if I could ‘Forward Shift’. I managed to apply about $1400 here via reimbursed business expenses. I generally avoid this also, because it is a PITA to track, but since the year is almost over, and I have good accounting software, I went for it. ; ;

In addition, I was able to look forward to November/December and find items like our Car insurance payment, and was able to send in the funds a bit early.

In terms of a relatable example, Resellers have a great option here, because if you buy $1K of inventory on a personal card, you can reimburse it instantly, even if it takes 6 months or more to sell. ; For me, it was mainly licenses and renewals for various professional organizations.

One thing that caught me was ‘Swap Spending’ or the destruction of priority. With this, I mean that when my goal is 100% fixated on meeting $3K spend naturally, without ‘wasting’ 3% on a transaction fee, or locking up money for the IRS, I would forget the opportunity of the transaction.

The Surpass was a bad example of this, because it offers some multipliers for Dining and Supermarkets, but I would typically use a OBC for Supermarkets (not MSing) for 5% and at least 2x to 3x points Dining card (TYP Premier, or other) those points further being uplifted by 25% or more at spend stage.

The lesson I picked up here was that by shifting natural/organic spend to the card of the day, slipping a $100 grocery bill onto the new card vs the 5% card came at a cost. ; Often times that cost could be 3%, if you value the points (not the bonus) at 2%. ; So it might be better to stick with the old 5% transaction, and pay 3% out of pocket to build the $3K minimum.

Interestingly, the Surpass could be a good argument for, or against this lesson. On the one hand, at 6x you could argue a full $3000 of Grocery spend being valued at 18,000 could be another night, or almost two, if you can find a property that fits. ; Alternatively, you might find that 18,000 points are orphaned in your account for years, and have no value.

So what did I learn?

I’m fine paying 3% transactions fees. I’d pay more than 3% if I can profit.

I like profit.

I’m OK with fancy hotels.

Even if all MS dies, right now we’re looking at perhaps a 50% uplift from certain programs, which in some alternative universe, or dystopian future, is still epic. Especially if it involves less work than the glory days.

;

;

(PS the USD dollar is fiat currency, it is backed by the US Government, which is supposed to be more stable than the Altitude Reserve, but who knows…)

(PPS I now get all my referrals, wherever possible, from fellow humans. For a while I tried to support a few blogs that I like, but I really think that there’s a nice touch in getting a personal referral, so thanks to Amol for the SPG and to Brandon for the Surpass)

;

The post Ramblings from my latest Minimum Spend rush appeared first on Saverocity Travel.

* This article was originally published here

Source: https://proshoppingservice.com/ramblings-from-my-latest-minimum-spend-rush/

from Garko Media https://garkomedia1.wordpress.com/2019/04/06/ramblings-from-my-latest-minimum-spend-rush/

[myfinancialguideme-blog]

Products We Use - Evolving Personal Finance | Evolving Personal Finance

New Post has been published on https://financeguideto.com/trending/products-we-use-evolving-personal-finance-evolving-personal-finance/

Products We Use - Evolving Personal Finance | Evolving Personal Finance

Below is a list of the financial products and institutions we use.  I have listed them within each category by how excited we are to be using them, and you’ll likely see mentions of them scattered throughout the blog.  For many of these products, we performed extensive research to make sure that they were the best for us offered at that time, but of course what we want out of these products may not be what you want.

This page includes affiliate and/or referral links.  The presence of these links has not changed what I have to say about the products and of course did not influence which products we use.  If you would like to help support EPF financially by using our affiliate links or help both us and you by using a referral link, we will appreciate it!  

Tracking and Budgeting

Mint: There are several options for automatically tracking your finances online, but Mint is the only one we’ve ever used or wanted to use.  Kyle started using it in 2009 and convinced me to switch from tracking my spending with Excel to a combined account with him.  While it doesn’t give you as much control as some other programs, it is really easy to use as it downloads and aggregates all your information for you.  Without Mint, I doubt we would be able to keep track of all our savings accounts and credit cards as well as we do.  I love the one-stop-shop aspect for making sure that all bills have been paid on schedule.  I recommend Mint to everyone (but appreciate that it’s not for everyone).  Oh, and Mint is free and very secure.

Ally: I cannot recommend Ally highly enough.  What began as a compromise between me and Kyle (an internet bank (what I wanted) that issued paper checks (what Kyle wanted)) in 2010 has blossomed into our favorite product by far.  We have a checking account, many targeted savings accounts, and a CD with Ally, none of which ever charge us fees or require minimums.  While its interest rate is nothing to brag about, it is among the best in the industry.  We can use any ATM without fees and deposit checks using our smartphones or scanner.

ING Direct / Capital One 360:  I have been an ING Direct customer since 2007 and I loved it.  We still have my checking account open, but have rarely used it since 2011 so I can’t comment on the changes that have occurred with the transition to Capital One 360.  If you use my referral link to open a checking account you will have $50 deposited into it; if you use my referral link to open a savings account you will get $25!

Bank of America: I hate BoA and Kyle thinks they are OK.  We still have an account because one time we wanted to get a document notarized and they offered it for free to account-holders, and we currently have no other way to deposit cash.  But that’s as much good as I can say about them.

Vanguard:  Kyle and I independently researched where to house our Roth IRAs and came to the same conclusion – Vanguard.  They are the industry leader in low expense ratios.  I recommend Vanguard to everyone opening an IRA.  The only snag is the account minimum for some funds – when I was just starting out I used Fidelity for my Roth until I saved up the $3k to invest with Vanguard.

Credit Cards

Barclaycard Arrival™ World MasterCard® – Earn 2x on All Purchases: This is the card we’ve been working on churning in fall 2013 – we loved it so much we each got one!  There is a large sign-up bonus available ($464+) for a minimum spend of only $1,000 in 90 days when you redeem your points for (previous) travel.  Please check out my review for more details.

Chase Freedom: This is our base card.  We get 1% cash back on every purchase, 2% on dining and travel, and 5% in rotating categories including important-to-us ones like travel, gas, and groceries.  It used to be a little annoying to keep track of the rewards categories, but now that we use it as our base card the mental gymnastics in the checkout line are greatly reduced.  I think it’s a great all-around card and the 5% categories are a sweet bonus!  You can redeem points for cash/statement credits (this is what we do) or products.

Amazon: We signed up for this card because we wanted a free Kindle!  But why not have it?  It gives 3% rewards on amazon, 2% on gas, restaurants, and drugstores, and 1% on everything else.  We use it for all our amazon purchases and whenever we remember at restaurants.  We then redeem our rewards on amazon purchases, although there are other options.  We binge on amazon purchases around Christmas so it’s great to have the card around that time of year.

BP Gas: This was Kyle’s first credit card so we will keep it forever even though the program has deteriorated.  It used to be a great card and we used it as our base, giving 5% back on BP gas and 1 or 2% on everything else.  Now that the rewards program has changed it only gives between 2 and 3% rewards.  We still use it for BP gas when the Chase Freedom card doesn’t have 5% back on gas because BPs are EVERYWHERE in Durham, but it’s no longer our base card.

Capital One: We signed up for this card because it has no foreign transaction fees and it gave a nice signup bonus.  We have only used it internationally except when we bought our plane tickets for said international trip to meet the bonus minimum.

Allstate Insurance Company:  We use Allstate for both our car insurance and our renter’s insurance and have since 2010.  We use whatever company gives us the best rates on the coverage we want, and Allstate has survived a few re-evaluations.  Our agent was super helpful when we were considering un-insuring our car and when we had to re-insure it for a day to move, so we have been pleased with their customer service.  I definitely recommend you get a quote from them when you shop around for insurance.

Cell Phones

Republic Wireless/Motorola Defy XT: Emily has been a Republic Wireless customer since November 2012 and has been very pleased with the service. There is no contract and plans start as low as $5/month. You can read our several reviews of the service.

Verizon/iPhone 5: Kyle is an Apple fanboy!!!  J/K he has no Apple products aside from the iPhone and an iPod.  And Verizon’s coverage is great for us even though they suck at customer service and can’t get our bill right.

Dreamhost: Kyle reads Lifehacker fairly regularly so when choosing a hosting company he just went with the Hive Five winner for hosting companies. We’ve had a pretty good experience so far and they have fairly responsive customer service. Also, their first time promotions are hard to beat, if you’d like to try them out.

Flexoffers: This was the first affiliate network we signed up with.  They work with hundreds of retailers and are adding more all the time and it’s easy to apply for programs.  Many of the retailers offer banner advertisements as well as text links.  I have to be honest and say we haven’t made any money with Flexoffers yet, but we are ramping up our use of their service. Sign up and promote affiliate marketing programs through FlexOffers.com for FREE!

Viglink: This is an easy, automatic way to become an affiliate for tens of thousands of retailers.  Viglink easily converts all the eligible links on your website to affiliate links!  We originally signed up for it to get around our state’s bar against Amazon affiliates, but Amazon has since cut off that loophole.

Upromise – The Smart Way to Save for College: I signed up for Upromise in 2007 when I graduated from college.  I basically just linked up my credit cards and grocery cards to my account to passively earn dollars toward paying off my student loans with Sallie Mae.  There is a lot more you can do to trick out a UPromise account to boost rewards like shopping through their links (which we do check when we make a big purchase) and using one of their credit cards, but I’m not too into it.  Oh, and you can get your family members to link up their info to earn rewards for your loans. 🙂

Source

Products We Use

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can i stop paying my premium and get back the amount i paid for? . I took insurance for 15 yr. Already 2 years over. Is ther any option to get the invested money back?

On getting a quote for car insurance I am not sure if i qualify for no claims bonus.?

I have been down as my granddads named mobility driver as in hes the main driver and im his named driver, I have been in this situation for 3 years with no crashes bumps speeding tickets, no problems what so ever, Now im finally trying to get car insurance for myself can i claim that I have had 3 years no claims ?""

What happens to rest of my insurance after a write off?

I had a accident today in my fiesta, hit some ice, lost control round a bend ended up in the ditch, car looks f****d admiral picking it up 2mo I am only 11 months into the policy I have been told by a few people that it is defo a write off so I take it i will be paid out for the car (how long would this take) I am also getting a courtesy car by the garage picking the car up to repair it now will i have this till i get paid out? and due to having 11 months on my insurance and i paid in full can i freeze the insurance till i get a new car (ill be getting the same car infact i hope its not a write off) or will i get something back on the insurance due to only using 1 of the 12 months i paid for?""

What happens if im a day late on my car insurance?

i pay monthly with gieco.today my payment is due but i wont have the money untill tomorrow.will they cancel my insurance?will i have to pay some type of fee? will my car insurance go up? Plz help

Who is the most cheapest auto insurance out there?

I need auto insurance but im 18 and I only have a permit not a license yet. I drive a 1990 Honda civic hatchback ef. And i only want liability just to drive. So who is the cheapest one out there let me know thanks :D??

Auto insurance ????????

Is it cheap being on my dads auto insurance vs me buying my own. I thinking about getting rid of full coverage.

What is the best and cheapest car insurance for a first time driver?

I have been driving for about 3 years now. And now I am saving up for my first car. I just want to know whats the best car insurance because I know its gonna be pricey because I am a first time driver and under 25. What do you suggest I should try? I am still doing my research regardless but I want to be prepared to pay for at least 6 months in advance because I am still in college as we speak. I just don't want to worry about that every month when I get the car. Thank you !!

When can I get my auto insurance after applying for it?

Right now I am having G1 licence and bought a car. My G1 exit test is on June 5,2007. Can I apply as registered owner having G1 and add primary driver who's having G licence? How long will it take to get insurance? Also please provide cheap auto insurance provider's name. Thank you so much for your help. :-)""

How to pick a life insurance?

Im not even sure how to pick what should i look for in life insurance? pros cons? Any suggestions in life insurance companies? Im looking at nationwide right now just cos i seen it on tv.

How much will it cost to fix this bumper dent?

http://oi43.tinypic.com/lv393.jpg hit a parked car when pulling out of a spot :( the other car was fine lol, but this is mine. trying to not involve insurance cause i dont want my rates going up. how much do you think this will cost to fix?""

Affordable health insurance?

What are some affordable Health Insurance Options in NYC for Latin American father and his child to be? My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?""

What would be cheaper on insurance?

I'm thinking of getting a 1987-1995 jeep wrangler yj or a 1992 acura integra. Which would be cheaper on insurance? thanks.

Insurance Quotes????? Please HELP???

Can someone Please explain to me........... What is an Insurance Quote?? How does it work? Why is it important? Why do we need it? I want a good health and car Insurance and so i dont know about the quote stuff so Please help me to understand. Thank u all so very much.

How much is car insurance?

I am a first time driver, a girl, and I have discounted insurance because I took driver's Ed. How much would it be and how often do you may? (monthly?)""

How can my car insurance go up from 128$ to 178$?

My car is all paid off and has been since I bought it. But I don't know why it went up. I looked up other car quotes and there much higheer then what im paying now.

What co. has the best car insurance for teens?

I 18 and want to get my own insurance

I have an insurance question?

if im driving with my grandma and wreck and only have a permit does their insurance cover the damage? Tennessee permit

How much do teens pay for car insurance a month?

If i am 17 years old buying a brand new 2009 car sedan about how much will i pay monthly on insurance?

If a person has previous damage from nicks on a car door and try to say you did it will insurance pay?

My next door neighbor is trying to say my car door nicked hers when I got out of the car. I saw nicks on her door before I even opened mine. Now she wants to turn this into the insurance and file a claim. This was on private property, so I am not sure about it. My insurance company says an adjuster will be able to tell how long she had damage. I do not have any paint transfer on my car at all. Just unsure if this will affect my rates.""

Do You Know Any Affordable NY/NJ Dental/Health Insurance Plans?

My father's company insurance plan will no longer cover me as a dependent. I need to find some sort of dental/health insurance of my own. My status is as follows: I live in NY My parents live in NJ I am self-employed out of MD My father claims me as a dependent on his taxes I am presently a part-time student...and will be a full-time student in Fall 2008. What can I do with this...to make something happen? :-)

Health Insurance Question?

I am 19, and I am Diabetic. I would like to move out of my parents house, and start living independently. Is there any Health Insurances out there that are government run that could help me get a cheap Insurance rate? Oh, and I live in Ohio if that makes any difference.""

Where can I get affordable Health Insurance asap?

Where can I get affordable Health Insurance asap?

Baby not covered on partner's insurance policy?

Alright, here's my situation. I am on my partner's insurance through her job. Well, we are getting ready to start a family and our insurance will cover everything up until right after delivery. Since I am considered a dependent, and I am the one giving birth, the baby will not be covered. So, what I want to know is has anyone else been in this situation and how did you handle it? What is the best way to find individual, affordable, insurance for the baby? And in your experience, what is the average cost you pay? Any suggestions/help is greatly appreciated.""

insurance quote software engine

insurance quote software engine

If you buy a car in full do you need to have collision coverage in your car insurance?

If you buy the car in full (pay for the car at once, not lease or financed) do you need to have collision coverage? If I get into an accident with somebody, wouldn't the other person's insurance pay for my car's damage? I'm planning to buy a used car for $17000 (paying in full) should I get collision coverage? also somebody explain Liability and full coverage for me (I guess full coverage is selecting every coverage when you lease for finance your car).""

Can you insure a car that does not belong to you?

I am driving my friends car with his permission and have taken out a car insurance policy in my name. Is this legal?

How expensive is taxi insurance?

I am thinking of running a taxi for the first time. How much more expensive is it to insure a taxi than a family car. I have full no claims bonus and a standard 5 seater car. I pay about 400 for a peugeot 406 as my family car

Which is the best insurance which i need to take for my parents who visiting USA?

My parents are coming to US and need to take a medical and dental insurance for them. please advise

What would my annual insurance be on a 2007 Honda Cbr 125?

I just turned 16, recieved my M1, Got a bike (125 cbr), going for my M2 in acouple days. Havent placed insurance on the bike yet. Im wondering what my annual cost will be with low coverage ect (lowest possible)""

Can i get insurance then put modifacations on my car?

Hi i am getting a mk 2 golf and will be modding it out with rims tint lights and lowering suspension. If i get the insurance quote at 4grand and then put the mods on the car is it a year of cheap insurance or do i need to tell them i have altered the car? Thanks.

How much of my home loan do i have to pay off before canceling my home owners insurance?

i live in FL. i am 6.5 years into a 30 year fixed loan. how much do i have to payoff before canceling the home owners insurance?

94 firebird formula v8 insurance rate?

I'm turning 16 and I am getting the 94 firebird out of the garage. how much do you think it will cost for insurance for me? and how much do you think it would cost under an adult insurance rate?

What types of car insurance are there?

I'm a confused soon-to-be licensed driver. My mom just got my sister (who is 18) some type of insurance for driving. From what I know, it's expensive. But I know that our car has insurance. What kind of insurance did my sister possibly get and how does it differ from the insurance for the car itself? Is there personal insurance for each driver? Is it required or is the car insurance only the main requirement? Which type of car insurance/s is required???...(sorry if my question doesn't make sense. I dont know how else to word it lol)""

Short term car insurance for foreign visitors?

Me and a few guys (UK citizens) are planning on coming to the US and driving East to West over a few months. We are thinking of buying a car and then selling it before we leave. Is it possible to get short term car insurance for this amount of time? Keeping in mind that we are not from US also? thanks

How much will my car insurance go up?

I already pay $270 a month for car insurance for my truck. If I were to buy a 1992 Jeep Wrangler, how much more will it go up?""

Cheap insurance for new drivers?

Low premiums, Cheap Car insurance, Savings""

Free or inexpensive health care?

I dont qualify for medicaid and my job doesnt offer insurance...where can i get some good coverage for cheap?

""I just got married, does my parents health insurance still cover me?""

I got married on the 5th of december of 2010, neither my husband or I has health insurance through our work, and neither of us are still attending college, I know they have made a lot of changes with Health insurance lately and I have a prescription that usually costs about $200/month, but with the Insurance it is only $15, I stumbled upon a website that says I can still be considered a dependent even if I am married, since my job doesn't offer Health plans, but it doesn't say anything about being married in the middle of the insurance plan year (starts and ends in August). The website is http://quinnscommentary.com/2010/03/24/no-child-left-behind-big-changes-for-employers-and-employees-as-adult-children-remain-in-health-plans/ If anyone can dicipher if it does in fact state anything about being married within the insured year, or if you know of any other websites, or anything about how marriage affects health insurance with all the new plans and Amendments to those plans. Any and all help will be greatly appreciated!""

Will my car / auto insurance increase?

My boyfriend was driving my car and was clocked (in the City of Stone Mountain) driving 26 over (51 in a 25 zone). Will this cause my car insurance rates to increase?

Need to find homeowners insurance?

Have pit bull trying to find homeowners insurance that will allow me to keep my dog

Gap insurance on new auto?

what is the cost for gap insurance for honda acord 4 door sedan 06 year

How much is it for car insurance for a 17 year old in long island new york?

my mom had a 2002 honda accord that she just bought a week ago and we need to get it insured but she doesnt have a permit or licence bc her permit has expired in the year of 2010 , so now what she wants to do is, get a car insurance under my name . im going to be 18 in early june . and i have my permit .""

Insurance question for monthly cost for 2 people.?

Does anyone have a ballpark idea of what an insurance plan would cost (monthly) for 2 people in their early 60's?

How do I help families not see life insurance?

How do I help families not see life insurance as a bill but rather protection for their family? I am on a crusade to help families become properly protected (create an immediate estate) in case of a loved ones untimely death. Of lately, prospects see life insurance as another bill. Although it is; can any life insurance agent please share with me how they get around to making sales in the life insurance industry? Thank you.""

Does insurance go up for out of state speeding ticket?

I hae a New York drivers license, i was pulled over going 45 in a 30.....$150 ticket....................i looked it up and i know i do not get points on my record, but does my insurance go up? does anyone knoow and have a good source they can provide? Thanks""

Does adding additional drivers reduce insurance?

if you add a parent as an additional driver on a car insurance quote, will it reduce the cost of the quote?""

Do red light camera tickets increase your insurance rates?

Do they go on your driving record and increase your insurance rates or do you just have to pay the fine and that's all there is to it? I live in Washington State.

What is the average Car insurance cost a year in Canada?

What is the average Car insurance cost a year in Canada?

What is the price range for insurance on a 07 mustang premium v6?

I am 20, I live in AL. no accidents or violations. I want prices or estimates please, not what I should consider n etc... Thank u""

insurance quote software engine

insurance quote software engine

https://www.linkedin.com/pulse/aviva-health-insurance-quote-geoffrey-kent/"

[anywhereconsulting-blog]

How to start a successful freelancing career and earn $5K within weeks

I get this question many times: “I want to work remotely, how do I start?” This is my 2cents and complete guide on how to launch a successful freelancing career and even land $5K within weeks.

At Anywhere Consulting, we help entrepreneurs to launch their business remotely - but most of the entrepreneurs start as a freelancer. Even me started as a freelancer and till this day, sometimes I do freelancing gigs. I wrote this guide many times for my friends, peers and those who asked me so I figured, why not combine this into a blog post now.

I also added a hypothetical number: $5K/month. Though I don't know the average monthly income for remote freelancers, I find this number very descriptive. It is a convenient number: you can live well on this monthly income basically anywhere in the world. Obviously, you need to make certain adjustments to your lifestyle if you are living in NYC from this number, but most remote freelancers are living abroad or remotely somewhere with a lower cost of living. I also secluded low-paid freelancing gigs as it is almost impossible to build up a steady income of $5K on a 5$ hourly rate. Also, adding this number answers the most basic need on why many of us start a freelancing career while still retaining a day-job: we want to earn more. 

Step 1 - Get to know yourself

Be honest with yourself. There are many things you need to decide before you jump on the remote freelancing journey. Maybe it turns out - it is not for you. Most of the freelancing careers fail because they don't have the necessary capabilities or qualities in work. It is easy to land a small gig online but to find a truly successful freelancer is ever-challenging.

What do you know NOW? What are your skills, what are you comfortable with? From your capabilities, what are those that can be sold online?

How much time you have NOW? Most of the remote freelancers start out in freelancing as a side-hustle, a part-time work while they still have a normal in-office full-time commitment somewhere. If they succeed in freelancing, they tend to transition to full-time freelancing, but for a start, that is not the case. If your job requires 6-8 hours of work per day, you probably have a few hours to work on your freelancing. Be pessimistic about your prognosis.  

Can you work online? Remote freelancers are self-starters and highly independent workers. It sounds easy but most of us love to work in a normal work environment.  Colleagues, real-life connections, office life, all treats of a normal working style. Remote working has none of these. Will you be able to perform in an environment like this?

What are your long-term goals? What do you want to do next year, work-wise? How much time do you want to commit to freelancing? How much money do you want to earn? These goals ultimately define how you should start out freelancing.

Step 2 - Find your niche

It sounds startup-bullshit most of the time, but it is not. But don't overthink this niche concept. A friend of mine, he started as a virtual assistant as a freelancer. You would think, yeah a VA, nothing can be easier, lots of competition around and crazy low hourly rates. It is true but he is German. With German as a mother-tongue, he approached German companies with his VA skills. For obvious reasons, he didn't have to deal with the VA competition from the Philippines or India or Eastern Europe, because there, everyone speaks only English. He could charge higher hourly rates and after a year, he had around 10 people, who worked for him. It was a business, not a freelancing career. Since then, he tours around the world and managing his VA-business for German-, and since then, French clients.

Because there are so many just-started freelancers online, you have to find a niche for yourself. If you are a developer, specialize in a language or platform only. If you are a marketer, offer services for only one solution. If you speak another major language, apart from English, you are already rocking it. The more valuable your niche is - the higher your hourly rate and the faster you grow.

Step 3 - Decide who you want to work with

I'm in this business for years now and if I need to narrow down the situation, ultimately there are two types of freelancers: the gig-focused and the project-focused. Those who want to score some new gigs, tend to flow to the low-hourly rates, multiple gigs at the same time path. You usually move to UpWork, Fiver and other sites to find your gigs. Those who want to get a job or a long-term project, they usually roll out one, maybe two projects at the same time.

Everything comes down to your personal goals but if I have to pick, I would go for something long-term. I would totally do a try-out on the gig-based freelancing, see how it goes. It is perfect to try yourself out and get to know how to work remotely. But I would switch to long-term projects as soon as I can and only apply for remote jobs, not gigs. Landing a remote job with a $2-3K compensation can be harder maybe, but building up a gig-based freelancing career and earn the same cash is even harder and takes even longer.  

You must also make sure to transition away from hourly rates to fixed priced contracts. This gives you a steady income, plus it makes it easier to transition away from a freelancer and build a business if you want. If you picked your niche carefully, this shouldn't take up a long time.

Step 4 - Be committed and don't be picky

The hardest challenge is to get your first 1-3 clients onboard. Period. So be committed and apply for anything. The key is to build up credibility and a great portfolio of your services. You can and you will be super-picky after a few weeks of course, but as a starter, most of the time you don't have this luxury. Many of my friends started out freelancing before - some of them gave up after they applied for a few gigs and did not get an answer. I always tell them: a daily 10 applications is a minimum and continue this process every day, even if no one will answer you. One day, someone will.

By not being picky, I don't advise to get on with any client. Pick your first clients that can help your long-term goals. Even if they pay less, will they help you to build up a great portfolio? Do you need to take an internship in the preferred industry maybe? Do you really want to work with a company that has no verified payment? 

Step 5 - Build a portfolio site

This is a must and you should do it ideally before you even start freelancing. It is great for three different things. One, it helps you to summarize what you are good at and how you can help. Second, it helps others to find you and relate to you online, it makes everything transparent. Third, when you apply, you can send your portfolio site right away, even with personalized pages if needed, which makes a better impact, than just writing a cover letter or attaching a PDF CV (which, I don't know why, but it is still widely used...). 

Step 6 - Perfect your pitch

Many freelancers fail at this point. The perfect pitch for a gig or a job, a perfect cover letter, a perfect application - it is almost an art form itself. The bottom line is this: 

- You need to do this, every time, multiple times a day. It is totally OK to have some template copy which you tailor to the exact needs. It saves time. But don't send the same pitch to different applications, ever.

-  First, talk about how you will help them. What value you can bring to the table. Everything else is secondary, you need to grab the attention in the first seconds.

- Second, focus on your strengths - mention case studies, references that are relevant to the project. The more you have the better. 

- Third, suggest next steps and show some passion. Make sure they know you are ready to jump on anytime. 

- If there were questions or special needs in the job description, make sure you answer and relate to them. Don't miss anything.

Step 7 - Be active online

If you are working online, you have to be active online. Get a Twitter handle, start a blog and polish up your LinkedIn profile. Not every employee will check your background, but some of them will. Make sure that they can find you and your content is fresh and spot-on. It gives a huge bonus during an application process. 

You don't need to be super active, just a couple of content pieces that shows that you are interested in your profession and your work. It also helps you to learn more about your skills and develop them even further. Also, remote working is a transparent concept - the more searchable and findable you are, the more likely you get hired. For the long-term as a freelancer, you also have to build your personal brand. What else can be more useful to build your personal brand, than the content of your own?

Step 8 - Learn & inform

Being a freelancer is constant learning and improvement. If you have a day-job at a company, you probably have training programs and employee development programs. As a freelancer, you have to do this on your own. Thankfully, the internet is full of free content which helps you learn more skills and enrich your current capabilities. Online courses are vast and you can read pretty much anything. You also need to be more efficient and be a better performer in remote working. Learn not just the core skills but also master the remote working skills. 

Learning can also help you to find your niche if you don't have one yet. A friend of mine wanted to work as a marketer in the blockchain industry. He knew blockchain is super important and will be even more important in the future. But the problem was, most of the marketers haven't worked at a blockchain company - because there weren't any blockchain companies before. Also, most of the people just don't get what blockchain is - it's true. So, he spent a couple of months only to learn everything he could about blockchain. He also started pushing out content to Medium and other platforms on this topic. Eventually, he landed a high-paying marketing job at a blockchain company. He couldn't have to do this without learning everything about the industry first.

To recap

You have to know yourself, your skills, your capabilities and your personal approach to remote working first. You also have to be able to define your long-term goals and pick a niche in order to grow faster. 

Build up your profiles, portfolio and learn everything you can before actually diving into freelancing. Investing in yourself is the best investment you can ever make - don't skip it. It will help you to boost the growth of your career. If you have a day-job, learning more about your skills will help you to succeed even in your day-job - not just in your freelancing career.

When you are ready to start, be committed and determined. You will fail and feel neglected first, but don't let this ruin your commitment. Landing your first 1-3 clients is the hardest. The good news is: growing your freelancing career to a $5K monthly revenue can be done within weeks if you are prepared and determined enough. 

After the first weeks and the first projects or gigs, try to transition away from hourly rates to fixed prices. Also, make sure you can increase your base prices from start. Don't start cheap - learn about your market and examine other freelancers. 

Be active online and build a transparent personal brand - it will help you in the long-run. 

Common mistakes

There are a couple of common mistakes that most of us make when starting their freelance career. Here are the most important ones:

Undervaluing your services. When you are starting out, it is easy to fall into the trap: if I charge less for my services than most of the others in my field, I will get new clients quickly. This might happen yes, but on the long-run, you will need more time to increase the price of your contribution to the normal level. Plus, you most like still have a day-job so what would you lose if you don't get your first client on day one, because of your ultra-cheap prices? Don't undervalue yourself, ever.

Not spending time on growing the personal brand. You've got your first clients, great, but you still don't have a transparent profile on social channels? Developing a personal brand is a must and you should allocate some time to do it, even if you have clients already. Your public portfolio will help you to land clients, even if you are not actively looking for a job.

Skipping the prep work. Learning everything you need to know about remote working is a must. Defining your goals, short- and long-term is a must. Don't skip on these, you have to think like an entrepreneur, where the business plan is yourself. Most of the freelancers just apply for gigs and do the work, without any goals in their mind. Trust me, they won't grow above a certain level. Don't be like them.

Faking your skills and portfolio. Yep, that is a thing. Just don't do it. You are working online and everything can be traced back, plus, if you are working through a freelancing site, clients can publicly review your work. What's better, having some clients and 'milk them out' while risking to get a bad rep or building up a trustable, valuable profile which supports your lifestyle on the long-term? Don't lie and fake your skills, ever. 

Mixing your day-job with your freelancing career. It happens often but you should avoid doing that. You need to keep in mind, that the luxury of security comes from your day-job, so you don't want to risk it. Make sure you can separate the time you put in your day-job and your freelancing path. These go without saying: don't work during day-job hours, don't use company assets to boost your freelance career, don't violate contracts on your day-job and never risk getting fired because of your side-hustle.

What is the end-game here? 

It is different for everyone of course. I would say, every freelancing careers have a cap on their income. On average, it is around $10K per month, which can be different depending on what do you actually work. Even for me, years ago I've found myself in the situation when I couldn't grow my monthly income revenue above $13K. It was the max, no matter what type of work I did as a marketer. This is because as a freelancer, you are selling your own hours, your own time. Which is limited. 

There will be a necessary milestone, where you need to make a call: stay in freelancing or start to build up a business. If you stay, you will have a steady income of the capped revenue or you can learn something else, which is even more profitable. If you want to start a business though, you will need to make sure, your time can be outsourced to a team. The transition from a freelancer to an entrepreneur is hard and needs careful planning. But it is worth it, trust me.

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At Anywhere Consulting, we help entrepreneurs to launch, build and grow their remote business. We provide support and consulting services as well as educational products to overcome the challenges of remote businesses. If you are a freelancer who wants to launch a distributed business or you already have an established business but want to grow remotely, we can help you.