#do not buy new clothes do not pass go do not collect 200 dollars

[pawgliacci]

Spend more on clothes

[saturatedcoffee]

How Archive Sunday turned 5,000 TikTok followers into $1 million in revenue… in one year

Nothing has made me feel the big 3–0 looming on my horizon more than being a millennial on TikTok. Like more than the 100 million people who downloaded the app at the start of quarantine, it was something I used to pass the time. It was what all the kids were doing, and I was in strong denial about the fact that I was no longer one of them with my skinny jeans and side part―which TikTok has shown me are signs that I am now, certifiably, Old.

What I expected was videos of lip-syncing and dancing―like the app’s precursor, Musical.ly. But what I found was a collection of content creators making videos about my very specific and very niche interests and using that as a marketing tool for their small businesses.

I found a lot of small businesses on TikTok to satiate my quarantine-induced shopaholic tendencies. Like custom joycons for my Nintendo Switch, Japanese anime stickers for my laptop, and cute gear for my battlestation (otherwise known as my home office). What I didn’t realize was that I wasn’t alone-the pandemic had kickstarted an explosion of growth for small businesses on apps and websites like TikTok.

And one of those businesses is right here in Salt Lake City-in fact, right across the street from my very own apartment.

Just because there’s a pandemic doesn’t mean you can’t do business

When I was downloading TikTok at the start of the pandemic, Sasha Sloan was starting her business. “I was just kind of stuck at home in quarantine,” she says. “I was still in school, but I couldn’t go to campus. I couldn’t get a job. And like everybody else, I was just on TikTok all the time.”

What started as a way to make some money and kill some time in quarantine quickly became an overnight sensation.

Her business was simple: buying old Star Wars T-shirts from the thrift store, bleach dying them, and reselling them on Etsy. Coming from a family who had made their living off of recycled fashion, like her siblings’ company Uptown Cheapskate or her mother’s company Kid to Kid, it was an easy model to follow, but one she did all on her own.

With only 5,000 TikTok followers and 50 bleach-dyed Star Wars T-shirts, Sloan put up a video showcasing her product and went to bed. When she woke up the next day, her entire Etsy collection had sold out. “That was the first moment that I was like, hold on, do we have something special here? And then I did it again.”

For the first two months, that’s how it went. Waking up at 6:00 AM, buying shirts, bleaching them, photographing them, and then listing them. “I couldn’t do it fast enough,” she says.

Sloan launched her business, Archive Sunday, with bleach-dyed T-shirts on TikTok on July 7th, 2020. By August, she’d launched her second product: collage walls. One hundred days in, the business hit $100,000 in sales. By the five-month mark, Sloan’s account reached one million followers. Now the business is projected to make a million dollars in sales in 2021.

Pictured: Sasha Sloan with the Archive Sunday collage kit, Athena. Photo provided by Archive Sunday.

A new social media for a new way of marketing

What makes Sloan’s business unique is that it goes beyond traditional methods because the products she sells draw on existing fanbases, like Star Wars and Harry Potter. In fact, I discovered her months ago because she posted a video from my own favorite fandom, Sailor Moon.

“The [TikTok] algorithm sorted me very quickly into fandom. Star Wars, Harry Potter, all that kind of stuff. And I was just watching and seeing how easy it is to go viral,” says Sloan. She’s right. It is easy to go viral on TikTok, especially if you know what you’re doing.

The algorithm sorts users into social circles that share interests — or liked hashtags. When a video is uploaded, the algorithm shows it to a small subset of people. And when they like that video, it shares it with users who may have similar interests. And if they like it, it creates a positive feedback loop that, if it happens enough times, causes the video to go viral. Unlike platforms like Twitter or Facebook, you don’t have to be following the video creator to find their content.

And though it sounds lucky, Sloan says her success was about more than luck, “Everything that’s happened on TikTok is not by accident. I am very strategic, very calculating in what I post,” she explains. “That’s something that I think is the most common and frustrating misconception to me is that I am a blonde girl. I’m a pageant girl. I know how to do my makeup. And I will get the critique that everything I have only came to me because of the way I look. And I just hate it, because I don’t think people realize I’ve been working in the social media world and studying algorithms since I was about 18.”

Pictured: Sasha Sloan in her signature collection, The Burrow, inspired by Harry Potter. Photo provided by Archive Sunday.

Sloan has worked in social media since she ran the verified social accounts for her family’s businesses as a teenager. Recently, she even ran social media for John Huntsman’s campaign for governor as part of her capstone internship, managing million-dollar ad spends. And in her experience, she can confirm that marketing on TikTok is very different from Instagram, Facebook, or Pinterest.

“[TikTok] has created this liberation in social media where, number one, you can make whatever you want because you’re speaking to an audience that really gets you and has your same interests. And number two, it is a meritocracy. On Instagram, celebrities are often the most-followed and your followers decide how much [your content] gets liked. Whereas on TikTok, the algorithm does not care if you have a million followers or if you have ten. The only question is, is this a good piece of content?”

Creative advertising for a creative generation

TikTok is changing the game―and it’s changing the way we sell products. It’s not about paid advertising, because you can scroll right past the ads. You can’t target an ad to Gen Z the same way you can target a Boomer on Facebook. And according to Wallaroo Media, 60 percent of TikTok users belong to Gen Z, who’ve spent their whole lives on social media and are able to tell what’s an ad and what’s actual content. So if you want a TikTok user to watch your ad, you have to make it content they want to watch.

So Sloan has skipped the commercial. “I’ve never spent a dollar on marketing,” she says. “We just make these creative projects and people want to support them. They want to support the outfits. They want to look like our characters. And so we’re almost using fictional characters as influencers in a way.”

The creative projects and fictional characters she’s talking about tie back into her Noble House of Black series, which is a fan-created, live-action series of TikTok videos about three sisters from Harry Potter: Bellatrix, Andromeda, and Narcissa Black (played by Sloan herself). The series tells the story of these sisters in a visual form of fan fiction, wearing Archive Sunday’s clothes and using their accessories which, if fans like enough, they can follow through Sloan’s TikTok profile to the Archive Sunday store.

Pictured: Sasha Sloan as Narcissa Black in the Tiktok Harry Potter fan series The Noble House of Black. Photo provided by Archive Sunday.

What makes the series so engaging is that they’re featuring characters the very large and very vocal Harry Potter fandom is already familiar with. But while these characters exist in the Harry Potter franchise, much of their story is left untold. Which leaves it to the interpretation of fanon — a collection of concepts and ideas that are used in most fan fiction, but don’t really exist in the real story’s canon. And that’s where the Noble House of Black steps in to fill in the story.

“We are representing the aesthetic of fandom, which is not exactly the same thing as representing the original piece of art or work,” explains Sloan, who is very careful to circumnavigate her business around copyright issues. “We’re not copying and pasting the original piece of art. We’re using that art as a launching pad and an expansionary work to create something [new].”

A new kind of business for a new kind of nerd

The business of fandom, and namely fan fiction, is growing. Comic conventions like Salt Lake’s FanX grow bigger every year. The most well-recognized fan fiction website, Archive of our Own (AO3), even celebrated their 7 millionth fan fiction upload in 2020. Fan culture is a booming and underserved market, which has exploded even further with the stay-at-home orders of the 2020 pandemic. And Archive Sunday is capitalizing on it.

The untapped market of grown fans, particularly young women, is what Sloan attributes to her success. “I wanted to create a brand for that girl who is a millennial or a Gen Z or who loves their fandom stuff, is confident, put together, and is still a cool, popular, fun person that you’d want to hang out with.” For the girl that shops at Target, who wants the $200 merch from Disneyland but can only afford the sale at Hot Topic. For the fan who wants to rep their Hogwarts house while also being office-appropriate.

Pictured: The Black sisters from the Tiktok Harry Potter fan series, The Noble House of Black, with the actresses wearing signature Archive Sunday clothing pieces. Photo provided by Archive Sunday.

And Sloan is using her platform not only for marketing but as a tool for empowerment. “Generally in society, women are made fun of for their interests,” she says. “And I think that a lot of young women, in particular, need and desire the ability to look up to other women that have the same interest and are completely confident and passionate about it.”

And as a grown fan myself, I wholeheartedly agree with her. According to a census survey of 10,005 AO3 users, 80 percent of fan fiction readers and creators identified as female, with less than five percent identifying as male. But how many of these women hide behind online aliases and compartmentalize their fandoms from their real lives?

The answer to that question remains unseen, but Sloan is taking the steps to embrace her nerdiness as the girl who reads too much―and turning that into not only a business, but a positive role model for young women.

“When people message me to tell me why they follow me, it’s usually young women who [say], ‘I’m getting bullied in school and everyone thinks that I’m weird. I like all this stuff. I’m so passionate about my books and things. And I don’t really see any representation for that.”

So she’s filling the gap. Embracing her inner geek and using that to connect with other fans, she’s been able to build a business practically overnight. There’s a market here that’s ripe for the picking and desperate for content. Like Sloan, you don’t need to spend a dime on marketing. You just need to be a little creative and jump in the game while it’s still hot.

...

Originally published at https://www.utahbusiness.com on April 27, 2021. Follow me on Medium!

[popculturebuffet]

Paul Dini’s Jingle Belle: “Sanity Clauses” review or Santa’s Court Ordered Family Therapy Holiday Special

Merry Christmas everyone! I”m finally back on the reviewing reindeer after a week out with a cold, aside from the usual ducktales review, and it’s once again a comission from friend of the blog and the only guy who pays me for reviews weirdkev27. If you have your own holliday hyjinks you’d like me to review I do reviews of television and comics for 5 dollars an episode/issue, wtih variable prices for trades in comics case depending on length. Hit me up via my dm’s here on tumblr or send me an ask for my discord if you want to know more. WIth that plug out of the way away we go.  This one was a bit unusual... in that when Kev bought it up I assumed he was going to buy a few issues of Jingle Belle, Paul Dini’s creator owned character we’re talking about today, and just have me review those. What I didn’t realize is he was buying me the full package, a collection of pretty much every jingle belle tale, as well as the released after it “Handmade’s Tale”. one shot. So yeah, while I had’nt really thought of rules for this kind of thing before from now on your free to buy a work for me to review... just keep in mind i’ts both not required for me to review something, and will not wave the commission fee as I use those fees to pay bills, buy things I need like charger cables, and just generally keep my bank account afloat while I look for a day job. 

But... since I hadn’t firmly established any of this yet, and since Kev’s gift means a bunch more commissions from a guy who not only made sure I could afford Christmas, but who has provided me steady work while i’m out of work... this one’s on the house.  So with all the jargon settled, who is Jingle Belle? Jingle Belle is an indie comics character created and owned by Paul Dini in 1998. Paul Dini is an animation god, who thanks to this review I know more about his career than I did before and as much as I always should have. Dini got his start in the 80′s, writing for everything from He Man to Gary Coleman Adventures, before getting called up to the big leagues for Tiny Tune Adventures around the time of the animation renaissance. To my shock, as  I wasn’t aware he wrote for that fine program, he wrote 35 episodes including my personal favorite Prom-ise her Anything.  But while a talented comedy writer, his main talent would show when he moved on to Batman the Animated Series as a writer and story editor. He was one of the main creative forces along with Bruce Timm, with the two going on to make the DCAU, aka some of the best superhero shows ever made, after already making easily one of if not THE best with BTAS. And Timm’s influence showed, Co-Creating Harley Quinn with Timm, and writing the series best episode Heart of Ice, which reworked Mr Freeze from a hoaky silver age villian into the tragic and thoroughly sympathetic character he’s been since that episode. Seriously that’s another one to add to the review pile.. which is giant and sentient at this point. And seriously EVERY episode on his imdb page credits is an utter classic and one I remember fondly. The guy is one of the most talented and seemingly nicest guys in the business and both the world of batman and the world of animation owe him a LOT.  So to my surprise, I found out in the 2000′s he had a comic, Jingle Belle.. then for whatever reason just never dug into it till now. But now post digging Jingle Belle is Paul Dini’s long running series of one shots and series at various companies following the adventures of Santa’s rebellious teenage-ish daughter.. techincally she’s in the 200′s but still looks and acts like a teenager. The idea came about when he got a christmas card from Stephen Speilberg, and wondered how the kids of famous folks dealt with that and if they resented their famous fathers. And whose more famous than santa?. The series spins both out of that brilliant idea and out of Dini’s love for sunday comic strips, back when the panels were larger and creators were given more freedom to go nuts, though even today i’ve seen plenty of great stuff so it’s not all lost pauly.  So in that spirit rather than one long ongoing Jingle Belle is instead a series of one shots, stories in anthologies and what have you, one and done stories more focused on the comedy. The comic has bounced around from various publishers, starting as something pitched to Oni Press, home of Scott Pilgrim and not much else, and has bounced around various publishers since, most recently ending up at IDW, where the trade i’m reading from comes from. So how does a great concept from one of the world’s most creative minds shake out? Let’s unwrap this present and find out. 

We open with an appropriately christmasy rhymey opening as we get the story of Jingle Belle: She’s the daughter of santa claus and mrs. claus, in this case the Queen of the Elves. Which isn’t established until the next story but whatever. And as you’d expect she grew up a cheery, rosey little girl who loved helpiing dad in the workshop.. then everything changed when puberty attacked. 

As you can see Jingle is now your standard Bratty Teenage Daughter sterotype. At least in this story. See this initial story feels much like a pilot: It’s clear things aren’t ironed out 100% for the idea, and i’ts more a self contained way to get across the general idea, that being Santa has a rebellious teen daughter, via what comes off as an snl skit in comic book form. THat’s not an insult, it’s a GOOD snl skit, and I am genuinely surprised only one movie company’s attempted adapting this comic: the concept is great. I’m just letting you know what i’m working with is all. 

So naturally as a high concept comedy skit, Jing soon, after sharing some cigarettes with the local eskmo boys and accidently lighting her Reindeer’s butt on fire and wrecking her sleigh and some surrounding property, Santa is at his witt’s end and we end up in family therapy. And honestly.. Santa in a family therapists office is a great concept. IT’s why I compare it to a sketch: It’s just a simple one line proposal that’s really damn funny and really damn eye catching. It’s often REALLY hard to get a good santa parody going, so I admire how well he pulled it off here.  But what really centers it is Jing giving her side, making her a bit more than the mostly one dimensional bratty rebellious daughter she’s been pegged as. Oh sure tha’ts still mostly what she is here, I’ll leave it to later stories to flesh her out hopefully, but she gives vallid reasons WHY she acts out: She points out no one even knew Santa had a daughter, and she has no songs or specials or any of that about her. The most Santa can offer up is “Jingle Bells” because the boys say “jingle all the way”... which really, especially in 2020, just makes HIM come off worse for not only slut shaming his daughter, but that the best defense he can offer is “Well some local boys talk about how you boned them that counts right?”. 

That.. poorly aged joke aside Jingle brings up another good point on how sh’es on his shit list.. errr.. naughty list. Still a good gag. And yeah the therapist is understandably surprised Santa dosen’t give his own daughter presents, though his wife does give a valid counter to that: He has to hold a higher standard than anybody. 

And that’s why I’m really intrigued by this concept and want to read more: WE have plenty of stories about Santa’s kids, i’ll grant, from him adopting a kid like in elf, to him passing on the legacy with films like Arthur Christmas and Fred Claus, or even just films about his legacy, like the Santa Claus, aka that time Santa died and his clothes forced Tim Allen into a job he dosen’t want with weight and beard gain he didn’t ask for via yuletide mummy’s curse to become the new santa and nearly loose custody of his child. What i’m saying is the concept is inherently fascinating and The Santa Clause is deeply terrifying if you stop to think about it for two seconds.. as is the sequel what with it’s Nazi Robot Santa Claus Tim Allen. Yes really. 

But this one’s unique in that it’s not about the legacy. Oh sure Santa tries to get Jing interested, and his last attempte wound up with them having to take the bus, another great gag and i’m glossing over most because this is a very funny little comic, but the main focus is more on what kind of pressure that puts on a kid: wouldn’t you rebel too if your parents wanted you to be perfect and to follow in the family business of being basically a perfect human being? Jing herself sums it up perfectly towards the end of the story. 

Granted after a tearful hug, Jing internally says “that new snowboard is mine.. but i’ts hard not to feel that a godo chunk of this is genuine. Sure she’s playing her parents a bit but.. you’d crack too if your dad was freaking Santa. I’m really intrigued to see where this goes both comedically and character stuff wise. 

So we end on another christmasy narration bit as Belle plays good for a while, snapping only when it docent seem like she gets her snowboard. A comedy ending and an eh one. Not the best honeslty, I feel the comci would’ve been better ended just at the snowboard is mine bit, but i’ve seen worse. 

Final Thoughts: A really good story. WHile it’s rough around the edges, clearly Dini and others have buffed them out over two decades, and i’m really intrigued to see more of this this holiday season and others. Again some parts, mostly playing Jing being sexually liberated for “OH HAW HAW SHE’S A SLUT” laughs is cringe inducing, but most of the jokes have aged well and for a pilot it’s not bad. I really look forward to reading more of the character and diving into her this season and beyond. 

Until then be good to one another, have a happy holidays and always remember: There's  always another rainbow. 

[meandmyechoes]

A list of Ahsoka collectibles: (ramble)

Representation of each era in my collection now:

S1: plush, mcdonald toy

S3: Forces of Destiny, TVC

S7: Hot Toys, TBS, TVC, Galaxy of Adventures, plush

Rebels: None!

--------------------------

1. loungefly backpack!!

i’m not a person who spends 700 dollars on a bag they don’t have an occassion for. I don’t think I’ve ever spent that much a single article of clothing. and I regret so much passing on it because i really like that it looks well-made and attentive to details.

2. eFx replica

i think this will always stay number one but an illusive one because i don’t have funds for it. also i’m no longer bff with dave fiboni.

3. the plushes! esp. 2018 Funko

i’d looove to own all the plushes. they came out when I was away from the fandom and you can’t find them anywhere now. The modern non-exclusives are just not as cute. right now at 7, it’s still reasonable to attain a full collection. grateful my friend was into crane machine and got me the OG 2008 one. i’m willing pay $200 at most for a plush but it’s impossible unless you triple that, plus just there’s not much channels to source them. The newer one under Mando branding and Celebration is such a drop in quality their faces are just printed on so glad I found a prototype of it with an embroidered face instead. Was it trying to pay homage to the orginal? lmao

4. FoD Ahsoka

I want at least two more. one mint in box and one to repaint in clone wars style + rebody. But likewise where do you find them lol

5. koto artfx

i’ve been tallking about them for what feels like two years, anyway ever since it was first announced and now six months after its release. i’m super duper tempted everyday even just to get the Ahsoka half. I’d say half-meaningly ‘oh I will stumble upon them when we go to japan’ and i know what the chances of that are. still, not actively chasing them (actually not any on this list in ways I should) so may en find its way

6. Ahsoka transformer

XD this is a weird trinket i simply want because Ashley also has it XD

7. Rebels ahsoka hot wheels

such a cool little togrutan car~ really like the design

8. Anakin and Ahsoka van

part of hot wheels ‘greatest duo’ kind of line. saw it a long time ago on clearance at the mall regreted not getting it.

9. Rubies’ costume saber!

yeah, technically the first lightsaber toy of Ahsoka’s and just something I’ve watched on amazon from way before i’m old enough to get a credit card

10. Funko pops

attainable (except the rebels one) but more because i think it’s funny to look at how a lineup of Ahsokas all have a different shade of blue or orange. waiting forever for the Jumpsuit one to go on sale, because we don’t get any merch with her :(

11. LEGO

I’m satisfied enough with KO figures. Will buy them eventually. Recently saw on IG you can make pixel art with the Batman set and i’m tempted! Officially the Maul throne room set is worth considering too and I love the Brickhead box art

12. Her Universe

oooh i have so many HU grails but i don’t feel as compelled by the new clothes. I’d loooove the Ahsoka Leaves shirt, and other collabs with Fiboni like Plo and Ahsoka and Ahsoka on Malachor. The original Padawan hoodie is a nostalgia goal for me too. But I wouldn’t have my hopes about getting one because it’s been more than ten years. I can hope TCW’s 15th Anniversay would have something for me?

13. Little Golden Book

most likely to initiate because i have a coupon. The art is okay with plot holes but i want to support Ashley.

14. Sixth-scale figures

so Sideshow’s is a firm NO. Otherwise, I’m enthralled by customizing a concept art’ka with large head and alien eyes. should get another 2005 Shaak Ti to turn into Adult ahsoka as she should be.

15. tsum tsum

i'm not enthralled by them but honestly its a crime there's no ahsoka tsum tsum

16. MUG

remember that ugly giant-head coca mug of S7'ka under Mando branding? lol I found a factory listing for it so it's totally possible. I have a soft spot for "ugly Ahsoka" merch and would love to get it with official packaging if possible.

17. Disney Toybox

mm… they just don't speak to me, and i have many S7'ka figures already

18. Comics

ywah there was a Lucasfilm 50th cover with her and Anakin and a coming Choose Your Destiny one. Probably should get them

[redconfidential-blog]

Packing for a 2-week trip is stressful. Packing for a whole year is a nightmare, especially when you are on a budget and have to keep things within the airline baggage weight limit. There’s packing, weighing and then unpacking in order of least necessary and least expensive to replace, until you get a combination that is relatively satisfying.

This post details what I am taking with me for resumption in school later this month and why. Let’s go!

Travel Documents These go without saying but I’ll say it anyway. My travel documents include my Nigerian passport containing my visa vignette and a printed copy of my flight ticket and boarding pass. As a Nigerian, you require a valid visa to enter the United Kingdom. In fact, Nigerian Immigration officers will not let you through without one. My previous post titled Visa application tips for Nigerians might be helpful in putting in your visa application. Having a valid passport and visa are the most important things for any international trip. Without it, you really aren’t going anywhere.

I prefer to have my ticket and boarding pass printed. I’m not comfortable with handing my phone to the officers at the airport. It’s just easier to hand then the sheet of paper.

(P:S Depending on the length of your visa, you are required to have a return ticket. I didn’t know this and it almost cost me dearly. I had to buy a return ticket right there on my phone and present the confirmatory email. If your travel visa is less than 6 months, you must have a return ticket before you leave.) Oh, and if you are first traveler, please keep your passport in your hand luggage and not your Check-in luggage.

Certificates and Transcripts

Certificates and Transcripts Other things I will not be checking in are my Certificates and Transcripts which I need to present for verification at school. It’s safest to keep these vital papers in my backpack, on my person at all times because anything can happen to checked in luggage. I have lost my luggage once, with Ethiopia Airlines sending it to Ghana. I will hate a repeat incidence where all my life’s work and achievement end up in another country or lost forever.

Electronics Laptop, Camera, Bluetooth headphones and my Power-bank will also be in my backpack. Personally, I never check in electronics worth more than N20,000 if I can help it. You just never know what will happen in that backroom in the airport. Those tiny padlocks and number locks on zips are the best you can do, but I will tell you categorically that they do not protect your property from skillful, experienced thieves. Only a matter of seconds and your stuff is gone.

My denim jacket

Clothing These make up about 80% of my luggage really. Autumn is around the corner and the weather will start to get wet and chilly. So I’m packing a lot of warm-wear: Cardigans, denim jackets, coats and scarfs. I’m also packing some socks, and gloves to keep my extremities warm. I’m also packing my jeans, all of them. Jeans are the unofficial uniform for students. Blue, black or grey, they are comfortable, trendy and low maintenance. I will be living in them for the next one year.

Food I’m not packing a lot of food because there are a lot of familiar foods and many grocery stores in the United Kingdom where you can find almost anything you want. There are also a number of Nigerian food stores in London. Regardless I’m packing Golden Morn, it is a necessity. I love Burger peanuts and some Zobo. I might buy Kilishi too but I’m afraid it won’t fit in the 23kg limit. Back pack perhaps?

Golden Morn

Burger

Groundnut

Some Afang for soup

Footwear I always travel in my Nike running shoes with an additional pair of Ballet flats in my suitcase. I can’t express how important it is to be comfortable during international travel. You can’t drag heavy suitcases to and from the airport, train or bus station; all while on heels?  Travelling with any more shoes proved challenging for me. They seem to take up too much space.

Make-up and Cosmetics These were surprisingly heavy. I’ve got wigs, a lot of cosmetics, face washes, hair creams, and face creams. Because liquids must be checked in, I have packed some of them neatly in a make-up bag and squeezed others into tiny corners of my suitcase.

Related: Since We Will Soon be Having Coffee…

Photography Equipment I’ve got to go with my tripod and reflector. No questions. But I won’t be travelling with my backgrounds and a lot of my props. They are quite heavy and I’m all out of space.

Money I took this for granted and almost forgot. It’s important to travel with some dollars or pounds in cash. I recommend a strict minimum of £500 even though my school suggests £800. In my case, I’ll need £1 for the airport trolley and some more for the train ticket to the University. You may wish to carry some naira to tip the Immigration officers at the International airport. The way they beg travelers for money is more embarrassing than annoying. “Mommy, anything for us? Daddy, safe flight oh”.

Summarily, if you aren’t rich, you are not likely to travel with everything you would like. However, with a little effort and quick thinking you will get away with enough. I’ve got 2 suitcases of 23kg each and a backpack as hand luggage, all meeting the airlines standard requirements.  I have always used my digital bathroom scale to weigh my suitcases and so far, it has been accurate. My flight is in 2 days and so this will probably be my last blog post for a while…except I get my hands on the new White House Memoir by Bob Woodward titled Fear.

Am I forgetting anything important? What would you pack if you were leaving for a while? Let me know in the comment section below! As always, thank you for reading! *** Liked this post? Do share it on your social media wall, timeline or feed. Want blog updates and promotions in your inbox? Sign Up Now

Reading Living: What I’m Packing Packing for a 2-week trip is stressful. Packing for a whole year is a nightmare, especially when you are on a budget and have to keep things within the airline baggage weight limit.

[necessitymart-blog]

Impact of online sales on the local economy:

What is online shopping?

Online shopping can be defined as a derivative of retail e-commerce that can be purchased from retail e-commerce stores on the Internet. Very few items cannot be purchased online. From materials such as gadgets and clothing to consumables such as groceries and food, you can use everything while relaxing on the sofa. Online shopping allows you to purchase different types of goods and services at different online retailers and vendors. Services such as IT, plumbing and upholstery can also be procured online. If you have internet access and, in some cases, a credit or debit card, the world is your oyster. Over the last decade, online shopping has become a central part of the lives of the average Internet user.

Local businesses rely on the attention and business of their target audience to thrive. The rapid growth of online shopping presents both challenges and opportunities to accomplish this important task.

Consider these online shopping stats.

• Over 75% of consumers shop online at least once a month.

• 4-10% of retail sales occur online.

• During the 2018 holiday season, $ 126 billion was spent on online purchases in the country.

All of these purchases are not made in-store. And that means that all these purchases have a measurable impact on the local economy. Is this bad news for local businesses? The reality is a little more complicated.

Online purchases can deprive the local economy of taxes:

Perhaps the biggest negative impact of online sales on the economy is to reduce the amount of sales tax collected by the state and other local taxes collected by towns and counties.

Not all online retailers impose appropriate sales and other local taxes on items that customers purchase from online stores. As a result, state residents may not be able to pay sales tax on online purchases that they would have made if they had made the same purchase in a physical store.

This loss of revenue is measurable. According to the University of Tennessee, Indiana lost $ 195 million in sales tax revenue from online purchases in 2012. Now that the popularity of online sales has skyrocketed, this number is almost certainly growing.

To reduce these losses, Indiana passed a law that came into force in October 2018. The law requires retailers with at least $ 100,000 in sales in Indiana, or more than 200 Indiana residents annually to impose sales tax on online purchases.

However, this law does not affect SMEs. Also, because it does not apply to local taxes, it cannot completely close the tax gap created by online purchases.

Online sales make it difficult for retailers in physical stores to compete:

Many online retailers do not impose sales tax on their customers, so purchasing from them is cheaper. Small purchases charge 7% for only a few cents or dollars, but large purchases can add a difference.

In addition, sales tax savings can be important when customers pinch penny or make many purchases, such as during vacations.

As a result, physical stores that must impose appropriate taxes can struggle to compete with online retailers who do not add these taxes to the cost of goods. If customers choose to go online instead of in-store to save money, the growth potential of local businesses is limited.

Online purchases rob the local economy of money:

Online purchases can also remove money from the local economy. For example, if a customer buys a gift from Amazon rather than from a local vendor, the money goes to retailers across the country instead of the buyer's community.

This loss of income can limit the local economy. Employment is also reduced because less money is brought to local businesses. Less employment means less money flowing into the local economy. Less money flowing into the local economy means less work and less money available to residents. After that, they spend less money locally, leading to a vicious cycle that can hinder the growth of the community.

Not all online purchases are bad:

Like any other story, it has two sides. Buying online can move you away from the local economy, but you can also contribute to it in certain ways. The important thing is for local businesses to enter the online market.

The main drawback of online purchases occurs when consumers make these purchases from state-owned companies rather than from local businesses. On the other hand, buying online locally is a good thing.

For example, a local business may impose appropriate taxes on online purchases. Similarly, when consumers buy online from local businesses, the money flows into the local economy.

Online shopping doesn't go anywhere. E-commerce has radically changed the way consumers approach shopping. The convenience of practice means that e-commerce is likely to continue to grow in popularity.

Instead of fighting this new reality, local businesses can accept it. Through digital marketing, they can build websites and advertising campaigns that bring them in front of their target audience. It's not impossible to compete with big companies.

As the holiday shopping season begins, consider leveraging the benefits of online presence for both your business and your local economy. Then contact NecessityMart. It is one of the best online shopping store. If you want to start your own business you can create an online store like necessity mart.

[tamboradventure]

The 22 Best Things to See and Do in Bangkok

Posted: 8/17/20 | August 17th, 2020

Bangkok. It’s one of my favorite cities in the world. It’s a vibrant, chaotic, international, funhouse. A city 600 square miles and with a population of over 8 million, you could spend months here and you’d still only scratch the surface.

I’ve visited the city more times than I can count. I even lived there for a couple of years . I’ve watched the city change and grow in so many ways since I first landed here in 2004.

While there’s not a lot of traditional touristy things to do in the city (those fill a day or two), there’s a lot of food and culture based activities here that can give you a sense of what life is really like in Bangkok beyond the tourists.

To help you, here are my top 22 things to see and do in Bangkok:  

1. Take a Free Walking Tour

One of the first things I do when I arrive in a new destination is take a free walking tour. You’ll get to see the main sights, learn a little history, and start to get a sense of the culture. Best of all, you’ll have an expert local guide with you who can help answer any questions you have and give you suggestions and recommendations.

Bangkok Walking Tours has a few different tours available every day that provide a solid overview of the city. Just be sure to tip your guide!  

2. See the Grand Palace

The Grand Palace was built over the course of three years between 1782-1785 by King Rama I when the capital moved from Thonburi to Bangkok. It’s the official residence of the king, though he doesn’t live there anymore (it’s just used for ceremonies).

The palace was originally constructed from wood as supplies were short. Eventually, after raiding other sights in the region, they were able to find the building materials they needed. Hidden behind high concrete walls, the palace isn’t one large building but rather a collection of wats (temples), chedis (mound-like structures containing Buddhist relics), carvings, statues, and the famous 15th century Emerald Buddha.

Na Phra Lan Road, +66 2 623 5500, royalgrandpalace.th. Open daily from 8:30am-3:30pm. Admission is 500 THB. Be sure to wear clothes that cover your legs and shoulders. You can rent pants or shirts at the palace if you need them.  

3. Visit Wat Pho and Wat Arun

Wat Pho, known as the Temple of the Reclining Buddha, is famous for its massive golden reclining Buddha statue. Built in 1832, the statue is 15 meters tall and 46 meters long. It’s one of the most popular sights in the city.

The temple is the size of a city block and there are tons of reliefs, statues, courtyards, temples, and spires to see. But there is more than just a photo opportunity here. The prestigious Thai Traditional Medical and Massage School is also located on the grounds. When you are done seeing the sights, get in line for a massage (it’s considered the best massage school in the country). Be sure to arrive early in the morning or late in the afternoon, otherwise you’ll have to wait at least 45 minutes for your massage.

Wat Arun (Temple of the Dawn) is a gorgeous Buddhist temple on the edge of the Chao Phraya River (it’s just opposite the Grand Palace on the other side of the river). From the top of the main spire, you get sweeping views of the city. The intricately tiled facade reflects the light beautifully during sunrise and sunset. It’s my favorite temple in the city.

Wat Pho: 2 Sanamchai Road, Grand Palace Subdistrict, +66 2 662 3553, watpho.com. Open daily from 8am–6:30pm. Admission is 100 THB. Massages cost around 260 THB for 30 minutes.

Wat Arun: 158 Wang Doem Road, +66 2 891 218. Open daily from 8am–6pm. Admission is 50 THB. Be sure to dress appropriately for both temples.  

4. Experience Khao San Road

This is the backpacker capital of the world. Khao San Road (along with Soi Rambuttri) has been the hub of backpackers in Asia since the 80s. While it’s a full-on tourist trap now, with non-stop bars, hawkers, and street stalls, it’s still a fun place to spend some time — even if you’re not staying in the area. Grab a drink, order some banana pancakes, and spend some time meeting other travelers and watching the world go by.  

5. Explore Chinatown

This is one of the biggest Chinatowns in the world. It’s home to some delicious restaurants and street food as well as places to shop. But the main draw here is the food. There are tons of vendors selling food you’ve likely never see anywhere else in the city.

If you’re a fan of seafood, be sure to spend some time wandering the narrow streets and sampling everything. If you’re not sure where to eat, just pick a stall that has lots of locals eating there.  

6. Take a River Cruise

To see the city from a different perspective, take a tour of the Chao Phraya River. The river stretches over 370km (229 miles) and river cruises offer a relaxing way to enjoy the view see the city in a new light. That said, avoid taking an overpriced river cruise. Instead, just ride a water taxi up and down the river for just a couple of dollars. You can start at the central pier, go to the end, and come back. You’ll save money and still get an enjoyable tour of the river as it weaves throughout the city.  

7. Check out the Floating Market

While the floating markets are a little touristy, they are super fun and can’t be missed. The two main floating markets in the city are Khlong Lat Mayom and Thaling Chan (the latter being the most popular). Locals will paddle their small boats around the water and you can just shop as they pass you by. It’s definitely a unique experience!

The markets are chaotic and aromatic and can be a sensory overload. Arrive early (especially at Thaling Chan) so you can beat the crowds and tour groups. There’s lots of cheap food here too so it’s good to come hungry. I always like to wander the market first to see what I want to sample and then go about eating my way around.  

8. Visit the Museum of Siam

Opened in 2007, this museum highlights the origins of Thailand and its culture. Housed in a 19th-century European-style building, the museum is fully interactive. There are galleries, movies, and multimedia displays that cover culture, history, Buddhism, war, and the making of modern Thailand. The museum does an excellent job of keeping things both fun and educational.

4 Maha Rat Rd, +66 2 225 2777. Open Tuesday-Sunday from 10am-6pm. Admission is 300 THB.  

9. Visit the Bangkok Malls

Malls in Bangkok are not like malls in most other countries. Thanks to the AC, they are more like social hubs where locals can gather, eat, and hang out to escape the heat. The foodcourts here are actually delicious, there are coffee shops for relaxing or working, and there are even movie theatres and bowling alleys in the too. In short, they are fun places to hang out and to take in some of the less-conventional experiences of the city.

Some of the best malls to visit are Terminal 21 (my favorite mall), MBK Center (for electronics and knock-offs), Siam Paragon (upscale), and Pantip Plaza (electronics).  

10. Tour More Temples

If you want to visit more temples, Bangkok has plenty more to offer. You can hire a tuk-tuk driver to take you around the city for a day to see them all (or at least the main ones). Some of my favorite temples are:

Wat Saket – This is one of my favorites in city because of its beautiful golden temple and wonderful views from its top. Admission is 10 THB.

Wat Benchamabophit – This temple is pictured on the back of the 5-baht coin and has 53 Buddha images in the courtyard representing different Buddhist mudras (ritual gestures). Admission is 20 THB.

Wat Ratchanatdaram – Built in the 1840s, this temple is one of the few temples in the entire world with a bronze roof. Admission is free.

Wat Traimit – Located in Chinatown, this temple is home to a massive solid-gold Buddha statue (it weighs 6 tons!). Admission is 40 THB.

Wat Mahahat – This royal temple is home to Thailand’s oldest institute for Buddhist monks. It also hosts a weekly amulet market where you can buy amulets to help you with luck, love, money, and more. Admission is 50 THB.

  11. Visit Jim Thompson’s House

Jim Thompson was an American spy during the Second World War and silk merchant in Thailand during the ’50s and ’60s. He mysteriously vanished in 1967 while in Malaysia’s Cameron Highlands. Some say he was lost or killed while hiking while others say he disappeared himself (he was a spy, after all).

When he returned to private industry after the war, he almost single-handedly revitalized Thailand’s sinking silk industry. While living in Bangkok, he lived in a traditional Thai home. It was decorated with beautiful teak wood and surrounded by a beautiful garden. Today, you can visit the house and learn about his life, the silk industry, and how and why Thais design their homes the way they do.

1 Khwaeng Wang Mai, +66 2 216 7368, jimthompsonhouse.com. Open daily from 9am-6pm. Admission is 200 THB.

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12. Shop (and Eat) at the Chatuchak Weekend Market

This massive, sprawling market is the size of a few football fields and is one of the largest open-air markets in the world. There are over 15,000 stalls and booths here and the market sees upwards of 400,000 visitors each weekend.

It’s is the best place in the city to buy gifts or souvenirs, find knockoffs, barter, and eat delicious food. There are maps around the market so you can navigate the various sections though it always gets crowded and hectic so come prepared.

Kamphaeng Phet 2 Rd, +66 2 272 4813. chatuchakmarket.org. Open Wednesday-Thursday from 7am-6pm, Fridays from 6pm-12am, and Saturday-Sunday from 9am-6pm.  

13. Watch a Muay Thai Fight

Muay Thai (Thai boxing) is a martial art/combat sport involving striking and clinching. It’s one of the most popular sports in the country and is taken very seriously (much like football in Europe). Fighters train for years to master the art and you can catch bouts at Rajadamnern Stadium.

Matches typically last around 25 minutes unless there is a knockout and there are usually 7-9 fights per night. There are lots of food hawkers here as well so you can grab a bite while you watch the violent spectacle.

1 Ratchadamnoen Nok Rd, +66 2 281 4205, rajadamnern-boxing-stadium.business.site. Main fights are on Mondays, Wednesdays, Thursdays, and Sundays. Tickets range from 1,000-2,000 THB.  

14. Relax in Lumpini Park

Spanning over 140 acres, this is one of Bangkok’s largest parks. It’s home to bicycle lanes, jogging paths, picnic and chess tables, tai chi classes, plenty of trees, and rowboats for rent on its pair of small lakes. There’s a lot to do here, and in a city that really, really, really lacks green space, it’s a blessing to have. Grab a book, pack a lunch, and come and lounge in the shade and watch the afternoon go by. It’s a nice change of pace from the hectic flow of the rest of the city (it’s a no-smoking area too).

192 Wireless Rd, +66 2 252 7006. Open daily from 4:30am-9pm.  

15. See the National Museum

Established in 1874, this museum focuses on Thai culture, with highlights that include a large collection of musical instruments, recorded music, ornate royal funeral chariots, and impressive wooden carvings. It houses the largest collection of local art and artifacts and has been undergoing renovations over the past few years so it’s slowly becoming more interactive and English-friendly (though some sections still don’t have English signs). Nevertheless, it’s still incredibly interesting to see the artifacts and items in the collection. They offer English tours on Wednesdays and Thursdays at 9:30am.

Na Phra That Alley, +66 2 224 1333, virtualmuseum.finearts.go.th/bangkoknationalmuseums. Open Wednesday-Sunday from 9:30am-4pm. Admission is 200 THB.  

16. Take a Cooking Class 

Thai cuisine is one of the most delicious in the world. If you want to learn how to make some of the country’s mouth-watering dishes, take a cooking class. You’ll learn about Thai cuisine and cooking and be able to take your new knowledge and skills home with you. Here are some companies worth checking out to help you get started:

Chef Leez

Silom Thai Cooking School

May Kaidee’s Cooking School (vegetarian only)

Baipai Thai Cooking School

  17. Hang Out at Soi Nana

There are two areas in Bangkok called Soi Nana. One is a sex tourism hub and not the one you should visit. The Soi Nana I’m referring to is known for its fun, hip nightlife. Located near the train station in Chinatown, this street is filled with bars and cocktail lounges making it a great place to have a few drinks and get a feel for the city’s wild nightlife.

Some of my favorite bars in the area are Pijiu (Chinese beer bar), Teens of Thailand (first gin bar in Thailand), Ba Hao (four-floor Chinese-inspired bar), El Chiringuito (Spanish tapas), 23 Bar & Gallery (bar in an art space).  

18. Enjoy an Event at the Bangkok Art and Culture Center

If you’re a fan of live music, art, and performance, be sure to visit the city’s Culture Center to see if anything is happening while you’re in town. Opened in 2007, the BACC hosts art, music, theater, film, design, and cultural events in its exhibition and performance spaces. There is also an art library, cafe, gallery, craft shop, and book store here too.

939 Rama I Road, +66 2 214 6630-8, bacc.or.th. Open Tuesday-Sunday from 10am-9pm. Admission is free.  

19. Wakeboard at Lake Taco 

If you want to get out of the city and have some adventure, head to the eastern outskirts of Bangkok for some wakeboarding (riding on a short board while being pulled along a set route). The lake is just 40 minutes away. This is a popular thing to do with expats and though I never did it (I’m not much of an adrenaline junkie) my friends always said it was a fun time. It costs around 500 THB but comes with everything you need to have fun and stay safe (board, helmet, life jacket).  

20. Take a Day Trip to Ayutthaya

Ayutthaya (pronounced ah-you-tah-ya) was founded around 1350 and was the second capital of Thailand (it was the capital before moving to Bangkok). Unfortunately, the city was destroyed in 1767 by a Burmese attack and there are only ruins and a few temples and palaces still left standing.

In 1991, it became a UNESCO World Heritage site and is a popular day-trip destination from Bangkok as it’s just 90 minutes away. While lots of companies offer tours, I recommend you simply go on your own by train (it’s much cheaper that way). A typical day tour of the area will cost you about 500 THB.  

21. See a Ladyboy Show

This glitzy spectacle is Bangkok’s version of Moulin Rouge. It’s a lively cabaret show with show tunes, dancing, K-pop, and elaborate costumes. It’s a glamorous, rambunctious night out that is guaranteed to entertain. Calypso Cabaret, founded in 1988, is the best place to see a show in the city. Playhouse Cabaret and Golden Dome Cabaret are two other reputable venues that host fun performances as well.

Tickets from 900 THB per person.  

22. Take a Food Tour

Bangkok is all about food. It is a foodie city. The sheer variety of options is staggering. You have food from all over the world. To develop a deeper appreciation of Thai food and learn more about the cuisine, consider a food tour.

My favorite food tour company is Bangkok Vanguards. Their tour was put together with the help of my friend Mark Wiens from Migrationology. Mark is the biggest foodie I know and he spent years crafting the perfect Bangkok foodie tour. It doesn’t disappoint!

***

Bangkok is a world-class city that is worth spending the time to explore. While I didn’t like it when I first visited, after spending more time there I got to understand and appreciate what the city has to offer. You need to look beneath the surface here to really get a sense of the city. Do that and you won’t be disappointed.

  Get the In-Depth Budget Guide to Bangkok!

My detailed, 80-page guidebook is made for budget travelers like you! It cuts out the fluff found in other guidebooks and gets straight to the practical information you need to travel and save money while in Bangkok, a city I used to call home (so I know it really well!). You’ll find suggested itineraries and budgets, ways to save money, on- and off-the-beaten-path things to see and do, non-touristy restaurants, markets, and bars, and much more! Click here to learn more and get started!

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Book Your Trip to Bangkok: Logistical Tips and Tricks

Get Your Guide Check out my detailed guide to planning a visit to NYC with suggested itineraries, places to stay, things to do, where to eat, and how to get around. Just click here to get the guide and continue planning today!

Book Your Flight Find a cheap flight by using Skyscanner or Momondo. They are my two favorite search engines because they search websites and airlines around the globe so you always know no stone is left unturned.

Book Your Accommodation You can book your hostel with Hostelworld. If you want to stay elsewhere, use Booking.com as they consistently return the cheapest rates for guesthouses and cheap hotels. Some of my favorite places to stay in Bangkok are:

Green House Hostel

Mad Monkey Hostel

D&D Inn

If you’re looking for more suggestions, here is my complete list of the best hostels in Bangkok!

If you’re looking for more places to stay, here are my favorite hostels in Bangkok.

And, if you’re wondering what part of town to stay in, here’s my neighborhood breakdown of Bangkok!

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. I’ve been using World Nomads for ten years. My favorite companies that offer the best service and value are:

World Nomads (for everyone below 70)

Insure My Trip (for those over 70)

Medjet (for additional repatriation coverage)

Looking for the best companies to save money with? Check out my resource page for the best companies to use when you travel! I list all the ones I use to save money when I travel – and I think will help you too!

Photo credit: 7 – Twang_Dunga, 9 – J. Maughn, 11 – m-louis, 14 – Bangkok Vanguards

The post The 22 Best Things to See and Do in Bangkok appeared first on Nomadic Matt's Travel Site.

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[holytheoristtastemaker]

It’s been 8 weeks since we are collectively experiencing the dramatic impact of COVID-19 pandemic. Since that time, we’ve all borne witness to how this flu virus impacting our families, our communities and our livelihood. Unemployment is on the rise, in fact, the labor department reported that another 6.6 million people had filed for unemployment benefits last week. Most city dwellers were not prepared for this kind of catastrophic event that caused many jobs. So here is my way of doing a public service to fellow developers and designers specially the to the younger generation. There are plethora of articles about computer programming languages and technologies for web and mobile application development but there are few that talks about the elephant in the room, the real-life struggle of web developers and designers. Whenever I go to hackathons, I meet people who are either unemployed or freelancing. Sadly, some go to this event for free food and temporary shelter because they can sleep and stay overnight at the venue. I also met aspiring coders who just graduated from coding boot camp looking for jobs. My designer and developer job is dispensable, our doomsday does not require an event of biblical proportion, all it takes is to lost a client, get fired or laid-off from our job. If  you are living in California our state has labor law called “At-will employment”. It is a term for contractual relationships in which an employee can be dismissed by an employer for any reason (that is,  without having to establish “just cause” for termination), and without warning, as long as the reason is not illegal (e.g. firing because of  the employee’s race or religion). The employers can outsource web and software development to programmers from  another country for a fraction of the price. For companies who’d rather hire someone onsite or offsite but still based locally inside United  States, some would prefer to hire you as an individual contractor, meaning no company benefits (paid sick leave, vacation leave), no health insurance, 401K, and perks that a permanent employee gets. Here are the things freelancers could do in order to survive the uncertainty of financial security and thrive in the tech industry while they are waiting for their big break or seeking permanent employment. Health Insurance This  is at the very top of my list. I learned this the hard way. My appendix ruptured years ago and since I do not have medical insurance the doctor does not want to perform surgery, his exact words was “you got no money to pay me,  just go home!”. I was in so much pain, my body is being poisoned, the nurse gave me a shot of Morphine to ease some pain but that made me so dizzy and vomit. Thank God, if not for the Good Samaritan who fought for me and my right as a patient to be admitted at the emergency, I will not get my operation. I  just want to emphasize how important it is to have a health insurance here in the united states. Make this your priority whether you have a job or not. If you need to  get out of your way to do your research and go to different clinics and  hospitals to know how you will get a free or low cost insurance, do so.  Do not procrastinate on this matter. It will cost you nothing to find a way to obtain health coverage, but it will cost you and your family too much trouble if you end up at the hospital bed—broke. Some Ways To Save Money I  think you will say your money is just enough to pay the bills and there is no more left to put aside for savings. I hear you, I’ve been there too. How about cutting down in unnecessary expenses? In my case, I cut down on junk foods. I like to eat something crunchy while I am working. I changed it to banana with almond butter. For me it works because the combination of the two is delicious and it fill me up easily and curbed my craving for junk foods. One banana cost 10–29 cents per piece, and the almond butter will last me for two weeks if I will consume it daily. I also tried to snack on celery sticks and carrots, I never thought I would like them, it gave me the same effect (crunchy) I get from eating chips. Now I enjoy eating beets and fruits for snacks whenever I am craving for something  sweet. When I go shopping, I will ask this question before making a purchase. “Is  this a need or a want?”. If the answer is need, I will buy it. If not, I  will pass. What do I get from this anyway? One time my wheel got punctured by a big nail because I parked next to a house undergoing construction. If I did not cut down on the unnecessary, I will not have the money to buy two new front tires. I  asked my dad to give me a AAA Auto Club membership as a birthday gift instead of a purse or clothes. So it did not cost me a penny to get my car towed from the location I got a flat tire all the way to the car mechanic’s shop. Towing company charges around $200–$300 depending on the location, I saved a good deal of money by getting a AAA card and the savings from affiliate stores discount that comes with it. Switch  to prepaid cellphone. I used to pay $100/month on my cellphone bill, so  I switched to prepaid and it saved me 40% plus I am not tied-up to a  2-year contract which will gravely affect your credit score when you can't afford to pay the bill and the cellphone provider put your account in collection. Low FICO score may affect your employment to big companies when they run your credit, and you will have to pay higher interest when you buy a car, and most often than not, when you decided to get your own place, you will be charged with a higher rent. Your chance of purchasing a home will be gravely affected as well, debt delinquency is a red flag to banks and mortgage brokers unless you are paying cash in full which is quite risky because they will report you to the Federal Bureau of Investigation by possessing hundreds of thousands of money in cash. Did I went too far? I think that's a good thing to know right? They don't teach that in computer science school. If  you are subscribed to Netlifx, Amazon Prime, Hulu, or YouTube Red, I  wonder how much time do you have in your hands to watch movies from these platforms. Unless they are required to do your work, think about which one you use less often and de-activate it for the mean time until you are making more money. There are numerous ways to save, the key ingredient here is to seek for other options and to cut down in your excess. Food Prepping After my surgery, it took me 6 months to recover. As I mentioned before, my  job is dispensable. I got replaced one week after my surgery because I  was working on a project that has a strict due date. I was working there for only a couple of months before my medical emergency. The money I was able to save from my two months of freelance work went towards my rent while I was recuperating. With the kindness of my friends from church, they gave me food that lasted for one week. But I do not want to abuse this kind gesture, they also got their own family to support. I did what I got to do — go to food banks. I  was lining up there for some months. The thing with food banks is you do not have that much of a choice when it comes to creating a recipe.  The first one I went to, they gave me a can of apple sauce, green beans, one box of oatmeal, pickled jalapeño, and peanut butter. So I bought a box of crackers from the dollar store and ate peanut butter and crackers the first few days. Second time I went there, I was able to talk to other people falling in line, they told me that in one day, they will visit 3–4 food banks to come up with a good recipe. I had a car so I volunteered to drive them around because they were senior citizens and I feel compassionate with the ordeal they were going through every week to get  food. They cannot find work because they are considered as unemployable because of their age and limited capacity for hard labor. They live with their children who were also struggling. What  I learned from this experience is to do food prepping during the time of plenty. Every time I go to the grocery I will buy extra canned and dry goods that has long shelf life. I do not buy in excess because it will only be wasted when the expiration date comes and you were not able to eat them or forgot about them. I will get 2 cans of tuna for example, something not superfluous. One for immediate consumption, the other for the rainy days. If you go to the market every week, then in one month you will be able to save four cans. In one year, you will be able to save up 48 items. That means when you lost your job or income, you know for sure you have food to eat for 48 days, this is what I call a life line, it will gave you sustenance until you find another job. One item is a base number or something to start with. To make it more realistic,  get 3 items extra to cover for three meals a day. Since you have free time, cut some coupons for buy one get one or shop at the place where they have a promo. This is doable, so I see no reason not to do it. Fasting The  benefits of fasting is it promotes blood sugar control by reducing insulin resistance, it helps fight inflammation and improve blood  pressure. You will have a good skin and loose weight as well. Fasting  also made me realize that I am not going to die if I will not eat solid  food for three days or more. That will get rid of your anxiety of not having food on your table. So you will have the clarity of mind to think about a new game plan in this time of famine. When your food supply is running low, you got to slow down your consumption as well. Once you experienced fasting, you will acquire a discipline to tame down your food cravings. If you are not ready to do a three day fast, you can do intermittent fasting instead. I tried it while I was in a ketogenic diet and I lost 5 lbs in two weeks. It also gives me more energy to spend on important things that I need to take care of. Bus Pass Finding  a new job means you need to go to employment agencies or go to job  interviews. Based on my experience, parking fees in Los Angeles is common specially if the office is located inside a building or establishments with nearby restaurants and shops. Depending on the location, the cheapest is $2/hr if you will park in meter, while inside a parking lot it may cost from $10 to $30. Not all company provides parking validation. There was a time I only got twenty dollars left and I spent it all by paying a parking fee in this job interview, but I did not get the job. It was painful, it is hard to explain if you have not been into the same situation. So get a bus pass and load it up when you have extra money. Even though I have a car, I will only use it going to places that is not accessible to public transportation, I am saving my gas for something more important. There was a time I gave my friends a hint that what I want for Christmas is a bus pass and not those things that shine and glitter. What I was asking for is practical and essential. This is applicable if you live in a place that have this type of transportation system. My point here is to prioritize what is pragmatic. Sleep in your car This may sound ridiculous but training pays. If you own a car, empty the trunk and fold the back seat (if it can). See if you will fit in there,  if not, fold back the front seat as well until you feel the most likely comfortable. It is not going to be comfortable for most cases unless you have a truck, van, or SUV. Depending on the size of your car, get a low height airbed, foam mattress, pillows or anything that will serve as a cushion to protect your back from the hard surface. Your car will be twice colder or hotter than your bedroom. So get your thickest blanket if it is cold season. Get a small luggage or any bag that will fit one week worth of clothes that you will wear on a daily basis, specially if you go to work. I know people who goes to work every day sleeping in their car. I was one of them. Sleep in your car as long as it is parked inside a home or private property. Do not sleep in your car if you are parked in the street without checking the ordinances where you live because your car will be confiscated and it will cost you an arm and a leg to retrieve it at the compound. Sleeping inside a car is illegal in California. Ask your church or neighbor if you can park your car inside their property. Look online where homeless people park to sleep. You may not need the information today, but it is golden when that time comes that your landlord kick you out or change the lock on your door. These are basic necessities provided that you have the resources to start with, your situation could be more complex. Some people sleep at homeless shelter, tent, parks, and anywhere possible. I stayed at a transitional home or sober housing one point in my life (even though I do not drink). The social worker recommended me there because its a house and a safe place. It is not free though, I paid for my rent and bills every month, the only upside is you do not have to come up with a deposit which adds up to the moving expenses. The not so good thing is I got zero knowledge and experience living with people rehabilitating from drugs, crime, mental health, and physical abuse. So it was a challenging and chaotic environment that I have to endure to survive. This chapter of my life was one great story of redemption, you can read it here if you are interested. Knowing  you will be able to survive in financial crisis will help eliminate your fears. Because fear block us from pursuing our dream and the ability to thrive. Remember, the main topic of this article is "survival". I wish the rainy days will not come, but there is no security in any type of job. I do understand why you chose this freelancer's life because you want a less stressful job, you want time for yourself and your family, you want stay away from office politics, you are exhausted from long hours of commute and most of all, you are sick and tired of toxic people at work sucking the life out of you. But life will throw us a curve ball. We are here to learn from each other's experiences and to be prepared for our own share of ups and downs. Stay Home Stay Safe and Level Up The company that I joined recently ceased their operation due to COVID-19 pandemic and I am using this free time to learn WordPress REST API at Lynda.com and APIs and Microservices at freeCodeCamp.org. I use freeCodeCamp's curriculum for my Coffee and Code meetups and coding boot camp. My students (kids and adults) likes the Responsive Web Design course. You get praises and kudos every time you completed the line of codes correctly, it is motivating. What I like about freeCodeCamp is you will learn to build real-life projects that you can add in your portfolio, earn certification, and help you prepare you for coding interview. Thousands of coders around the world are using freeCodeCamp and I recommend that you give it a try too. freeCodeCamp Courses Read books The book Soft Skills: The software developer's life manual offer techniques and practices for a more satisfying life as a professional software developer. In it, developer and life coach John Sonmez addresses a wide range of important "soft" topics, from career and productivity to personal finance and investing, and even fitness and relationships, all from a developer-centric viewpoint. In The Clean Coder: A Code of Conduct for Professional Programmers, legendary software expert Robert C. Martin introduces the disciplines, techniques, tools, and practices of true software craftsmanship. Martin shows how to approach software development with honor, self-respect, and pride; work well and work clean; communicate and estimate faithfully; face difficult decisions with clarity and honesty; and understand that deep knowledge comes with a responsibility to act. One last thing I'd like to share is that reading helped me during my dark night of the soul. Aside from programming books, I also read about existentialism, stoicism, and psychology. Recently, I read The Plague by Albert Camus, Metamorphosis by Franz Kafka, and Meditations by Marcus Aurelius. For the past two years, I spent hundred of hours reading the Collected Works of C.G. Jung, if you work in the creative industry like design and film making, his books will tap into your psyche and unconscious, my favorite is Liber Novus The Red Book. I think one of the best thing you can do to survive and thrive as a human being is to practice to be brave. Thank you for reading, I hope it inspires you.

http://damianfallon.blogspot.com/2020/04/how-to-survive-as-freelancer_46.html

[68ejgppd-blog]

What would a $50,000 cadillac cost per month? + insurance?

What would a $50,000 cadillac cost per month? + insurance?

im looking into the cadillac sts (sp=47,000 - 78,000) and i want to know the monthly cost.. $275,000 yearly income (get paid yearly).. which is about $23,000 a month combined. take into account teenager insurance which i heard can be brutal and also... would buying this car stretch my finances? i dont want my family to be uncomfortable for just a car. like someone earlier told me 1k a month for my car payment but i want to know the other estimates

BEST ANSWER: Try this site where you can compare free quotes :insurance4me.xyz

SOURCES:

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[prosperopedia]

How to Become a Millionaire

I’m going to share with you the formula I’ve followed to become (together with my wife) a millionaire.

But first, some context.

The United States has more than 11 million households reporting a net worth of more than 1 million dollars based on the latest Spectrem Group Market Insights Report. That number represents about 8 percent of the US population. On the other hand, most of the American public is facing a debt crisis, with consumer debt being at an all-time high in 2018, a collective number that totals more than $13.2 trillion. That amount includes student loans, a quarter of which are in default, that are nearing $2 trillion.

Clearly there are very different approaches to finances being taken by people at the opposite ends of the financial spectrum of American society. Interestingly, it’s often very hard to distinguish who are the self-made wealthy – those who intentionally created a life of prosperity through hard work and discipline – and who are the people faking it, strapped by debt from purchasing expensive clothing, jewelry, cars, and houses, substituting the temporary satisfaction of appearing wealthy for the peace that accompanies setting yourself up for long-term prosperity.

My Motivation to Build Wealth

When I graduated from high school in the mid-1990s, I had very little in the way of marketable employment skills, and my understanding of how life worked was limited. My work resume as a teenager consisted mostly of jobs like pizza maker at Pizza Hut and assistant cook at Dairy Queen, although I had been part of a thriving lawn mowing business with my brothers that we had used to earn money to buy school clothes and help with our sports expenses.

Soon after I turned 18, I set out on a 2-year volunteer mission for my church, which is common among young men in my religion. During that two years, I learned most of what I have used since, including now, about setting goals, organizing my schedule to accomplish those goals, budgeting money, and being disciplined about going to bed and getting up early.

I observed some human nature trends during my two years as a missionary in Canada that I found to be very instructive. The group of missionaries (about 200 organized into zones and districts throughout the province of British Columbia) among whom I worked were all given an equal disbursement of funds each month that were calculated to be adequate for the month’s expenses. I noticed that while many of the missionaries had no problem getting to the end of the month before their money supply was exhausted, there were too many (in my humble estimation) who consistently tore through their allotment half way through the month, and others who were only slightly better, coasting in at the end of the month with just enough money left to survive.

The stress level created by running out of money didn’t seem to be worth the pleasure these missionaries might have gotten from spending their money without a plan or discipline. I learned early on during that mission experience the benefits of spending less than what I received each month. After several months, I had saved up a significant (for a missionary anyhow) cash reserve. Not only did that buffer take away financial stress and allow me to focus on the important work I was doing, but it allowed me to help out the mission in ways that I could not have if I hadn’t saved money. For instance, during one mission “transfer” (once each month, several missionaries are moved to a different area) I got a call from mission headquarters asking for my help getting bus passes and train tickets for several missionaries whom I managed. Mission headquarters was surprised to find out I had enough money in my bank account to cover the travel costs.

That experience, among others, taught me about the power of saving money, putting something aside for surprise situations that might require more than the typical daily expenses. This principle has been emphasized in every legitimate wealth building program, including two of my favorites: Dave Ramsey’s 7 Baby Steps and the One for the Money pamphlet written by Marvin Ashton.

The Millionaire Next Door

Shortly after I returned home from my two-year mission, my uncle gave me a book called The Richest Man in Babylon as a gift to help me set my financial course. I read the book and learned a lot about the habits that cause a person to become wealthy. I also took away from the book an understanding of the importance of being generous and giving back as much as possible.

A couple of years after I read The Richest Man in Babylon, a college roommate of mine loaned me another book about wealth building and the “secrets” of financial prosperity that helped me become focused financially.  The book documents findings of a survey about millionaires in America done over a period of 20 years. It’s called The Millionaire Next Door.

I always appreciate learning from books that have practical, actionable advice. The Millionaire Next Door includes a list of seven traits the authors discovered about those whose net worths topped $1 million. It is straightforward enough and useful to look at these seven traits and compare them against your own financial background and habits.

According to the conclusions of the surveys conducted to create The Millionaire Next Door, people who become wealthy:

  live well below their means.

allocate their time, energy, and money efficiently, in ways conducive to building wealth.

believe that financial independence is more important than displaying high social status.

did not have parents who provided economic outpatient care.

had adult children who were economically self-sufficient.

are proficient in targeting market opportunities.

chose the right occupation.

  In The Millionaire Next Door, authors Thomas Stanley and William Danko debunk the idea that millionaires come mostly from the ranks of doctors, lawyers, people who wear expensive clothes, and drive expensive cars, the exclusives who live in mansions, and hire butlers and gardeners. In fact, the title of the book suggests that you likely have neighbors who are millionaires, and you probably wouldn’t even know it.

The picture presented of a millionaire in The Millionaire Next Door is a hard working small business owner who didn’t necessarily complete college (more likely went to a trade school). The common millionaire described in the book is simply someone who learned how to earn an above average income, discipline their spending, save money, and invest. The “secrets” to becoming a millionaire are not secrets at all. They are simply financial common sense.

How Well Do You Accumulate Wealth?

Something that has motivated me since the first time I read The Millionaire Next Door is its well-defined standard for evaluating my personal history and ability to accumulate wealth. Their formula is simple. Try it out and see whether you’re on track with your wealth building plan according to this standard.

The calculation goes like this.  Your net worth should be at least your age times your pretax annual household income divided by ten. These calculations (including household income and your expected net worth) should exclude anything that comes from inheritance, since inheritance is not directly related to your financial performance.

Computing Expected Net Worth

Expected net worth = (age in years x household income)/10

If your net worth is significantly less than what the formula expects, you are considered an UAW (under accumulator of wealth). If your net worth is much higher than the expected net worth according to this formula, you’d be considered a PAW, a prodigious accumulator of wealth. If you come in close to the expected net worth, you’d be considered an average accumulator of wealth, or a UAW. This formula has its flaws, including that it doesn’t adjust very well for situations such as a young person who recently saw a large jump in income. In most cases, it is a good estimation of wealth building proficiency.

While writing this article, I was a bit nervous about doing the calculation to assess my own wealth building habits. I haven’t done that in quite awhile. Since the time my wife and I passed the $1M mark about 7 years ago, we have intentionally become more generous, which tends to bring down the amount that we save. Thankfully, I was still able to qualify as a PAW in my latest calculation. The habits we developed early in our marriage of deliberately saving and being disciplined in our spending has stuck with us over the years.

My Own Story of Wealth Building

When I was preparing to go to college in 1997, at 21 years old, it was recommended to me by a school counselor that I should get into “computers”. I followed that advice, taking several computer programming and electrical engineering courses that helped me to learn ultimately that I didn’t want to become a career coder. I did learn over the four subsequent years of working for technology companies that the economy of the 21st century provided lots of opportunity for people who were willing to learn how to use technology in some way.

After a failed attempt to start an automotive repair business with my father and brothers, I jumped into ecommerce by creating websites built on osCommerce and Zen-Cart shopping carts, drop-shipping products from suppliers, and doing an old version of search engine optimization.

I first built a store selling outdoor sports equipment: OuterSports.com together with my brother. When that store was big enough to support his family, my brother asked if he could have it for himself. In the meantime, I was getting married. Together with my new wife, I built a new online drop-shipping store selling team sports products: RobbinsSports.com. We grew that store to more than $1M in annual sales over the course of 5 years, then sold it for $400,000. At closing, we received a payment of over $200,000, and we financed the rest of the purchase price as an investment over the following 10 years.

After we sold our sporting goods store, my wife and I were able to buy our new dream home with cash. In 2006, we had purchased our first home, a modest one that was less than half the price of what we were prequalified for. For several years leading up to the housing crash of 2008, we had watched the real estate market locally and nationally. We sensed that the irresponsibility of interest-only loans and the subprime lending practices typical of real estate financing those several years leading up to the 2008 crash were bound to backfire, so we waited and watched the real estate market instead of getting anxious and purchasing a larger home when we saw the prices moving up.

Being conservative in our approach to upgrading and waiting to buy a new home saved us several hundred thousands of dollars. By 2011, as the housing market started to rebound and our new home gained equity, my wife and I had passed the $1M net worth mark, more than two years before the time frame we’d set as a goal when we were first married.

Over the years since I sold my sporting goods store, I’ve built several other similar stores, including a medical products business, a clothing store, a children’s formal wear boutique, a safety products business, a vinyl decorations store, and a few blogging businesses, including this one, Prosperopedia.com.

I created a Udemy course documenting how I built my several ecommerce stores. You’re welcome to take the course if you’re interested in going down the career path I’ve used to create wealth.

I am now at the point in my wealth building career that I am changing a lot of my focus to investing, being more assertive about making my assets work for me, including buying rental properties, land, and other real estate. I feel like I’m a few years behind on learning about investing, which is one of the reasons I created this blog to motivate myself to learn about investing and reinforce that learning by sharing what I’ve learned.

What I’ve Learned About Building Wealth

Business Ownership Builds Equity

Somewhere along the line of developing the various ecommerce stores I’ve been involved in over the past two decades, I learned an important lesson about career paths. Although you can certainly increase your income and build wealth while working as an employee for a company, for those who can master the various roles required to be a business owner, that path is naturally a much more efficient way to increase income quickly. As a business owner, in addition to your regular earnings, you build equity as your company grows.

For instance, compare these two scenarios. Jason gets a job that pays $100,000 per year. Over the course of a year, he takes home his salary minus taxes and other possible withholdings. Kevin decides to build and operate a business that nets an income of $100,000 per year. If both people decide to leave their places of employment, Jason by leaving his employer and Kevin by selling his company, the business owner comes out much further ahead, most likely by at least a bonus $100,000. In most scenarios, the business netting $100,000 can be sold for $200,000 or more. Outside of a possible severance package, an employee typically doesn’t walk away from a job with more than the trinkets he’s accumulated at his desk.

Several years ago, my wife wanted to build a children’s boutique store. She also wanted to buy a grand piano for our house. I made a deal with her: as soon as her business made $5,000 in one month, we would buy the piano she wanted. Well, the store never got over $3,500 in monthly profit during the year we owned it. We made a choice to sell the store so she could focus more completely on being a mother. We sold the store for $60,000, which qualified her for a grand piano, and that gave us another example of how equity is built alongside income from a business.

Of course there are exceptions to this scenario, such as when there are opportunities to obtain equity in a company as an employee. Many startup and quickly growing technology companies offer new employees a chance to cash in on the company’s growth as a way to attract top talent. If that’s your situation, good for you. Take advantage of that type of opportunity.

If you choose the employee career path, you can often apply the business owner mentality towards your job and see the benefits of increased income from it. This is especially true for jobs that pay commissions, but also in other situations, where advancement opportunities and pay raises come when outstanding performance is observed. I have a brother who works as a loan officer. Most people in his office make less than $100,000 per year. He makes over a half million annually because he treats the job like it’s his own business and is consistently finding ways to improve his processes.

Don’t Waste Money On Things That Lose Value or Have Little Value

The way you spend your money the next time you go to the store, today, and tomorrow, and the next day is critical to your financial future. Despite pressure from society, friends, or other influences, there really is no reason to have a car payment, to finance your Christmas purchases, or to eat at expensive restaurants. In the materialistic world, this can be a very difficult concept to master, but with some Even with a net worth well in excess of one million dollars, I still often tell people, “I can’t afford that.” In reality what I mean is, “I choose to spend my money on something of more value to me.”

To help you get a baseline for where you stand with this principle and how you can improve, here is an exercise for you. First, take a half hour or so and write down what things matter to you in life, what you hope to accomplish in the near term and in your future. This will help you determine what your values and priorities are. Write these down. Don’t just think about them or even stop at verbalizing them to yourself.

After you’ve written down what matters to you, take the next 30 days and record in a written ledger or in a mobile or computer app every dollar, every penny you spend. At the end of the month, take an hour and categorize those items on which you spent money, and compare the totals for each category against what you determined to be what matters most to you.

In so many cases, people find that they are spending their money (which is essentially an extension of themselves) on things that don’t matter to them.

Once you’ve completed that exercise, you’re likely feeling ready to start a proactive budget, which is the logical next step. I recommend using the free EveryDollar app from Dave Ramsey, who is a master at helping people gain control of their financial futures.

Following a proactive budget will align your spending with your values, and will naturally cause you to save money and build wealth. You will be in control of your spending rather than being a victim of your own impulses.

Educate Yourself Efficiently, Without Debt

The importance of a college education has been driven into the minds of people moving from youth to adulthood so much that it is causing serious problems in society. Too many people think that going to college is a blanket good idea for anyone who wants to get ahead. The number of student loan defaults in the US shows that college students are not thinking at all about or calculating ROI (return on investment) for the money and time they spend in college.

I can’t think of very many college degrees that are worth strapping yourself with debt for. I know too many doctors, pharmacists, and other people in medicine, attorneys, and others with advanced degrees who, because of their constant struggle to catch up to their debt, wish they could have another shot.

If your plan for college doesn’t involve a robust financial evaluation (along with a mental and emotional commitment to a plan) of how well your four or more years of secondary education will pay off for you, don’t do it!

There is so much useful, income-enhancing education available outside of expensive university institutions. Most 4-year degrees require you to sit through hundreds of hours of courses that you would not choose to take based on their own merits and that have nothing to do with what you’ll be doing in your job. Most of what I’ve learned to build my current Amazon business I learned on YouTube, from Amazon’s seller help guidelines, and elsewhere online for free. There are thousands of small, one-person businesses that can be built using free information from the internet. I’d much rather see someone spend a few hundred or a few thousand dollars on some courses that take a few months, then build a business netting $100k+ than to sit in classrooms accumulating debt in exchange for an education that only qualifies that person for a $40k/year job that hardly covers living expenses outside of the student loan that has to be paid back.

Work Hard, Really Hard

While my wife and I were operating our sporting goods business, there were nights where we would switch off sleeping and working whenever we had deadlines that we absolutely had to meet.

On one occasion, a customer ordered 1,000 jackets that each had to have patches sewn onto the sleeves. The order had to be shipped within one week of the date that the order was placed. We had only a single-head embroidery machine on which to do the work. We calculated the time that would be required to get the job done, then we set up a schedule that would allow us to alternate sleeping shifts between the two of us in order to keep the machine going 24 hours a day. In this case, as with many others, we met the deadline. We made a lot of money on the order. We worked really hard. We then took some time off to recover.

Some people interpret this principle to mean that they have to always be working, even at the expense of relationships of a spouse and children. I absolutely don’t advocate for that. What I do strongly recommend, a strategy that has worked well for me, is to remove from your schedule those things that are not important, and that you spend the time that you are working having intensity and purpose. Instead of blowing four hours on a college football game (or eight hours on two of them) as I did when I had more time available or wasn’t as ambitious, I now watch either just a portion of the games I’m interested in, then catch the highlights online at night.

I have assertively looked for and found other ways to reallocate time so that I can get lots done without being overwhelmed. One program I’ve heard good things about is discussed in a book called Getting Things Done by David Allen. I’m planning to try that methodology in the next year to see if I can squeeze out even more productivity by reducing waste in my schedule.

There are tons of strategies available for being more productive in less time. I use a combination of a daily and weekly schedule, a calendar, and time blocking to balance getting lots of work done, coordinating with several partners, spending time as a volunteer, and fulfilling my top priorities of being a husband to a woman who is my best friend and a father to six very involved children.

You Can Choose to Become a Millionaire

Perhaps my favorite thing about life is the ability each of us has to choose our own path and be accountable to ourselves and our loved ones for the person we ultimately become. Especially in this modern age when freedom and opportunity are always within reach, there really is nothing keeping almost anyone from deciding to work hard, get the right education, pursue a rewarding and highly-compensating career, and ultimately become financially independent.

I hope this article motivates you to get going on your own millionaire story.

The post How to Become a Millionaire appeared first on The Handbook for Happiness, and Success, and Prosperity Prosperopedia.

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[rufusdawes]

Among the Fields of Bali

I spent my first full day in Bali bogan-watching the Bintang crowd. The Aussie-centric party beach suburb of Kuta was about an hour’s walk from my airport accommodation and, with a whole day before leaving Denpasar to fill, this seemed as good as option as any.

The regret arrived almost immediately as I had to cross six lanes of highway, which works out to about ten lanes of vehicles. It soon became apparent that there was not going to be a break in traffic and so, after drawing a deep breath, I stepped off the kerb placing my trust in any one of the island’s Hindu gods that might want to look out for me.

I made it to the median section and exhaled a monumental sigh of relief before it dawned on me that I was only half way and was either spending the night here or risking it all again. Another quick plea to Vishnu, Brahma et al and off I went again weaving around scooters and running in front of buses. The journey then calmed as I wound my way through the city’s backstreets before finally ending up at the southern end of Kuta’s beach.

Here, the Aussie dream appears to be the obtaining of cheap beer, gauche jewellery and a ruddy complexion. It was dirty, busy, with sand and surf a far cry from any of our coastal offerings and not anywhere I could see myself returning in a hurry. This was no destination to risk life and limb getting to. Up and down the lengthy foreshore ran dozens of dodgy surf schools, sunburned drunkards knocking back their Bintangs, and hawkers trying to sell you both tit and tat; one old dear more literally than the others.

My Bali beginning was not leaving the greatest of positive impressions. Instead, after arriving back at my accommodation following a wander home that involved a thunderstorm, being chased by a dog and then navigating the highway again, I made plans to head inland to the Eat, Pray, Love Mecca of Ubud.

The pot-bellied, Bintang singlet wearing gentlemen and the ‘no such thing as too much make-up’ chain-smoking ladies that made up a considerable portion of the Kuta crowd were to be replaced with a dreadlocked and bare-footed contingent. Perhaps still not my style but, after a few years knocking about in Alice Springs, a little more familiar.

Ubud has a reputation for its hippy charms and yoga retreats. There are probably more Yogis here than in the archives of Hanna-Barbera. As well as mastering your meditation and perfecting your downward dog, one could also indulge in an aura spray, which (and I looked this up) is a spray that ‘contains a specific crystal formula that carries a certain healing vibration to tune into’.

Like Kuta, this is most definitely a destination that advertises itself to a specific crowd. However, I couldn’t help but notice how Ubud, like much of Bali, is a town overrun by two wheelers. Where trucks spew out clouds of black smoke and there is an often near-gridlocked traffic network that we as pedestrians are constantly trying to navigate, without being flattened by a ‘which one’s the throttle’ tourist on a scooter. Whilst I have no doubt that ‘the molecular vibrations of the spray’s crystals’ do indeed ‘create harmony and balance’, I’m not so sure it’s going to get the smell of diesel out of a dreadlocked barnet. Either way, Ubud is a popular destination and I too had found my way there.

I’d arrived by hiring a driver via the concierge at my airport accommodation. Due to the strength of the Aussie dollar against the Indonesian rupiah, a car and driver can be hired for those longer journeys and still come in at round $40-$60 a day, regardless of distance or time. This ride took a few hours and also provided me with an opportunity to stop at a coffee manufacturer’s en route where I was able to try some luwak coffee.

Kopi luwak, often thought of as the world’s most expensive coffee, is made from the partially digested coffee beans that have passed through the intestines of the Asian palm civet. Whilst much of the industry has moved into a factory production system where the civets are force fed, I was assured that their production method was still more traditional in that their civets roamed as semi-wild animals that were confined within the boundary fencing of a 200 acre forest and plantation. Then, that the civet faeces were still collected by hand each morning and processed manually.

I was at their point-of-sale, a large garden with examples of the coffee trees and fruit trees used for the teas throughout. In addition, plenty of chooks roaming the grounds and a few large cages containing a handful of civets. At the conclusion of my garden tour I was treated to a tasting of eight coffees and a further eight teas (or at least water infusions) before being offered to taste the luwak coffee for around $5. My curiosity got the better of me and, despite its reputation as being more gimmick than gimme, found it a rather smooth and enjoyable taste, sufficient enough to buy a handful of beans to take home.

Upon arrival in Ubud, I checked into my hotel and made my way to the staple tourist destination of Monkey Forest. A series of old Hindu temples dating from the 14th century, the macaque monkey residents are thought to be holy guardians of the central Pura Dalem temple. Despite this, their role in Hindu mythology is somewhat undermined by the banana sellers at the entrance, as eager tourists line up to purchase the fruit before having it snatched from their hands by the simian thieves along with sunglasses, necklaces and even phones if not paying attention.

As I made my way through the network of paths, listening to the surprised screams of visitors as macaques clawed at their hair and clothes after mistakenly ignoring all the warning signs and attempting to treat the wild animals as if they were cuddly pets, I stumbled across one of the temples hidden among the undergrowth. Here, two young women and a bare-chested gent, all barefoot with the ladies resplendent in summer dresses, braids and henna tattoos, were standing inside the temple’s entrance. I watched as they mumbled some mantra, repeatedly raising their hands to the skies, before cupping them and placing them in the holy water that ran in front to drink from.

After they had finished their ritual, they exited and shut the gate behind them, which quite clearly had the word ‘Closed’ written across it. It may be that these three are devout Hindus with express permission from either the monkeys or the local religious members, who give offerings and use certain trees for religious purposes, or these three are in dire need of an aura spray where we can cleanse the misappropriation out of their chakra. Regardless of their intentions, I certainly struggled to see what three Europeans were hoping to gain from drinking water that at least a few of the 600 macaques are defecating into. Shiva me timbers!

The next few days were spent wandering on foot in and around town. A short distance north, I found the Campuhan Ridge Walk. This was my first exposure to the serenity that could be found in Bali, once the crowds and roads are left behind. Being a ridge walk, it offers glorious views of the forested hillsides, the reed grasses often harvested for roofing and glimpses of rice paddies. At my turn around point, and the most popular spot to do so, I found solace in a café overlooking a lily pond. It felt a world away from the hustle and bustle that had seemed ever present until then.

My time was soon to get even quieter as Nyepi approached. An annual day of Balinese silence, Nyepi is celebrated on the new year of the island’s Saka calendar. Running from 6am for a full 24 hours, the day is intended as one of self-reflection and thus anything that might inhibit that is prohibited. Consequently, the island shuts down with only the Nyepi police (or Pecalang) patrolling the streets to ensure all remains calm. As tourists, we are confined to our accommodation and thus I spent the day before ensuring I had wine, cookies and a couple of pot noodles to get me through the day. Self-reflection’s a heck of a lot more tolerable if you’re half a bottle of wine to the good and sated on chocolate biscuits.

As it turned out, the total of six guests were well looked after by our hotel manager who brought us all pancakes and coffee for breakfast as well as an afternoon meal. Other than that, I managed to spend most of the day either lounging at the pool or peering over the rock wall behind that overlooked a small stream.

Here Asian water monitor lizards lackadaisically made their way downstream occasionally offering a brief breaststroke kick to aid their momentum, as their tail glided side to side through the water like that of a croc’s. Above them, swallows flitted through the air like Messerschmitts in a high speed, protracted rendition of the Battle of Britain as they took down insects from the skies. It was dizzying watching them, jet black with flashes of blue and white on their bellies, never settling. Sunning themselves on the rocks were the resident spotted turtle doves, egrets and herons. Squirrels chased one another up and down the palm trees and leaping from the tree tops too often to their apparent deaths before somehow clinging to a feeble branch that bended and bounced under their lightweight frames to its limit. Considering my usual inability to sit still for more than a few minutes, I found my time confined to the hotel surprisingly bearable.

I was still delighted when Nyepi Day was over though and I could once again set foot outside the hotel grounds. I got a little further out by booking another driver and heading seaward, leaving the rainforested highlands behind.

One of my Nyepi companions at the hotel was a French lass from Normandy by the name of Julia. She’d been in Bali a month or so already, had been before, and recommended that I visit Amed on the north-east coast. A popular spot for decades with divers and especially Gallic ones, Amed is a series of villages along a black-sanded volcanic coastline in the shadow of Mt Agung. This part of Bali is much quieter and the coastal road only ever punctuated by a vehicle of any description on occasion. It didn’t take long for me to work out I was going to be much happier here.

My first morning’s stroll took me past a café that doubled up as a freediving centre. Having wandered past once from the beach side, I doubled back along the road side and popped in for a Balinese coffee and to decide whether I’d like to try my hand at freediving or not. A mate back in Australia had given it a go and had been waxing lyrical about it when we’d caught up in NSW just before I flew out. Convinced, I spoke to one of the instructors who informed me that a two-day course had started about an hour ago. He stuck his head round the door, confirmed that it wasn’t too late to join in and so minutes later I found myself lying on a bean bag learning about belly breathing and $250 lighter.

Freediving is essentially breath holding underwater but if you’re good at it, can get you deeper than a recreational SCUBA diver. I am not good at it and started by getting about as deep as a balloon. Before that, our morning’s dry land instruction was around the physiology of holding one’s breath and talking through the symptoms encountered when doing so. I was extremely good at practicing on land and my low heart rate and relative fitness had my body’s oxygen levels still at 99% after 90 seconds of apnea. These were very positive signs.

In the water, it was a slightly different affair. We swam out 100m or so off shore to water some 40m deep. Split into two groups we took it in turns to go through our warm-up breathing, taking a breath and then descending a line with the intention of reaching 10m before turning around. The theory was good but my problems equalising my ears prevented me every single time. Instead, having aborted multiple attempts at around 5-6m, my instructor suggested not worrying about depth and practice hanging out on the line. Thus, on the next few tries, I descended just a few metres before righting myself and stopping.

It was beautiful. The openness of the water, the blueness of the view and the peacefulness that pervaded was immense. I imagined this must be what it’s like to spacewalk. I’ve SCUBA’d and snorkelled but I’d never experienced such calm in the water before. I might not be a good freediver but I’m a convert. Things were only to get better after this two day course since day three was putting it into further practice alongside manta rays.

Together with a few of the instructors and other students of Apneista, we travelled to the clear waters off Nusa Lembongan and home to a known feeding station of manta rays. A dozen or more boats bobbed up and down since scores of SCUBA divers had long since arrived. Thousands of bubbles made their way back to the surface from a hundred or more regulators. What there were not, were manta rays. However, some fifteen minutes later I saw my first and shortly after, my second.

Then, the divers began ascending. Their air exhausted and knowledge of their dive logs preventing them from returning, the waters emptied and only a handful of freedivers remained. Before long a manta ray swam by, followed by another and then a third. All up I counted well into double figures, sometimes two or three would pass by at a time. Unencumbered by walls of bubbles and a mass of bodies, the rays returned as our instructor had predicted on the journey over.

The experienced among us were diving down the 20m to the seabed and watching the majesty of the rays as they swept overhead. I made do with a glorified snorkelling effort, swimming down to my ear popping maximum of five or six metres and hanging out above them. I’d missed a chance to get up close and personal with manta rays some years ago off Fiji, but this was more than making up for it.

This also represented the end of my Amed adventure with the final part of my Indonesian getaway taking me away from Bali and on to the island of Gili Air off the coast of Lombok.

Gili Air is a tiny isle of around 15km2 and one upon which there is no motorised transport. The only fumes I was inhaling here was from the back of a horse’s arse as I took the carriage it was drawing from the docks, where the ferry dropped me off, to my retreat in the middle of the island.

The few days I spent on Gili Air were about as busy as that spent during Nyepi Day. I went for coffee in the mornings. I swam during the afternoons, including finding a couple of turtles to hang out with as I practiced my breath holding and ear equalising. At night, I dined at one of the dozens of beachside restaurants where my true Aussie nature finally revealed itself; ‘…and anything to drink, Sir?’ ‘I’ll have a Bintang please’.

[ladyonly01-blog]

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[tricityrevivals]

(Pictured: Our booth in our first and second flea & a photo of me Luke snapped on the ride home from our frustrating second flea market)

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Chapter 1.2: It’s called a Flea Market..not a Free Market

Flea Markets. Walking around a usually big lot looking for bargains. The good ones sell mostly antiques, salvage items, or collectibles. Others now have turned into a mall of sorts. You have food, games, desserts, retail clothing, electronics, bedding, fragrances, supplements, music, and almost always that one stand with a person just selling their services through brochures. On the upside, Flea Markets have now turned into a family outting and I’m all for the youth of America learning the worth of a dollar and deal. Most of you would consider antiquing or attending flea markets a weekend hobby. We even enjoy attending flea markets as well, but now I’m going to give our take on the other side of the table. The vendors.

Vending at a flea market can be challenging, fun, or frustrating depending how much cash you come home with that day. It also depends on your expectations going into the day, and ultimately what type of buyers you have attending that day. Of course before you even step foot on the property you are paying whatever company is running the flea market a fee to be there. You should take this into account when choosing one. Fees Range from approximately $25 to as high as $200 per 10x10 space depending the location. Also you have to factor in gas and mileage you’re using to get there, as well as if you need to rent a truck or trailer for transport of your items. Most professionals usually have trucks or trailers already.

Now back to the buyers. Most of the pros will be there (if allowed) while your just pulling up and starting to unload. They want to be the first one to see everything available to them. This happened to us at our first flea. New to this area we turned around and asked the guy

“Can we help you?”

As he was standing over our shoulders looking in our trucks to see what we had.

“Just seeing what you have” he replied

He saw two stained glass windows we had for sale and asked

“How much?”

“150 for the pair”

“Ok I’ll take em”

Boom. First sale and we literally just pulled up two minutes ago. We looked at each other with the same idea in our heads- wow this is easy. We hadn’t even set up tables yet and were making sales.

The Tri-State area has some of the top rated Flea Markets in the Country. If you are a serious buyer you should attend these. To name a some - The Elephants Trunk in New Milford Connecticut, The Brimfield Antique Show in Brimfield Massachusetts, Golden Nugget Antique Market in Lambertville NJ, as well as about 3-4 in NYC and Brooklyn. If you are interested and seriously want to buy something Antique or Collectible you will find it here. You won’t find socks or cheap knockoffs here.

Back to our first flea. We decided to bring Courtney, Lukes Girlfriend of 9 years with us. We felt she would give off a good vibe and would make buyers feel comfortable talking and negotiating. She added a woman’s touch and had a good visual eye on where to place items to make it appealing for potential customers. We wanted them to see everything and need to come in and check our stuff out. Sometimes we can give off this mean vibe just by standing there and not even saying a word. We don’t get it, but for some reason we look intimidating to some. Admittedly, we aren’t the most outgoing people either. Courtney walked away from us turned around and looked at us and our space. She wwalked back over.

“Smile. You guys are mean muggin everyone who walks by’”

Oh great. Now that we know for sure we’re intimidating people away from our space we both put on the awkward 2nd grade fake smile when the photographer comes for school pictures. We weren’t intending on doing that I honestly think we just had soooo much stuff and there were influxes of people we were getting a little overwhelmed. That and we didn’t want to get anything stolen, we put a lot of time in selecting every single piece to bring that day. That obstacle was early on and we hurdled it pretty quickly.

After the first few hours it became slow. The big groups were disappearing and we had a lot of time to kill. At this point we made some money but nothing like we thought we’d make. We each took turns going for a walk and scouring the other booths to see what we were up against, and talk to the other vendors about how they’re doing. I am probably bias in saying this but I thought that our booth had the best stuff in this small flea market. I didn’t understand why we weren’t selling more. Everyone who came in our booth had the same reaction to how cool it was and what unique items we had. While walking around I ran into an elderly gentleman who had a sign right in front of his booth “It’s called a Flea Market not a Free Market”. I told him how I liked his sign and I was a vendor a few rows over. We started conversating about the crowd that day.

“These people think I’m just supposed to give this stuff away”

He showed me around his booth and showed me a few cool items with stories. I wasn’t interested in buying them but that didn’t stop him from trying to sell them to me. His prices were fair for a flea market but for me as a reseller there was no margin for money to be made. As I was walking away he said

“Listen, I’ve been doing this for over 40 years, it’s good for a few hundred bucks in your pocket every weekend but there’s no way to make a living doing this”

I heard him loud and clear. Although the day was still young and I still had hope, I wasn’t going to forget the words of a man who had this type of experience in these things.

When I got back to our booth, we had a conversation and decided lets start slashing prices. For most of the items we cut the price in half. Even with the prices slashed we could still make a great profit. That’s the art of picking. About 3-4 items we found in a dollar bin at a prior flea market we sold for $15-20 each. Those items true value is $15-20. We went out and dug through everything to find them, so we put in the legwork, knew what we could sell them for based off of research, and completed that job. If you think its just lucky or a risk to make a profit you’re wrong. If you learn more and more each day you can’t fail.

As the day continued the large groups started making more appearances. A lot of the stuff we were selling was free (given by my parents) or just stuff we’ve had laying around our houses for a while. In particular we has 2 pieces everyone would come up and rave over. 2 dressers, one was mine one was Luke’s we restored from the craigslist free curbside pickup. Everyone loved them, but there was one problem. Who the hell wants to buy a dresser and lug it home from a flea market? By the end of the day we got tons of compliments, but no cash in our pockets for them, thus we had to load em up and lug em back home.

The last hour finished and the final rush was over. We had a wad of cash and counted it. We made around $400. Not bad for our fist time. The guy 2 booths over said he made around $200 and next to him made around $150. I thought that was pretty impressive. We took this day as a start, something we could get better and better at. An overall success, but we werent happy. We had to do better.

Flash forward 3 weeks there was another flea in the same place. We said, ok lets go again, no bigger itema. We had just finished our first real pick so we had tons of inventory. Small and medium items worth a good amount. We packed up and headed back down. This time we were on a roll, we were getting better at this. Repeat customers were showing up and buying more things, asking for our business cards, and talking with us. We were developing relationships and Selling almost every time people came in our booth. There were no window shoppers this time around. Around 11am and only 3 hours in we saw some other vendors start packing up there booths.

“What’s going on?

“I dont know”

We went over to our friend vendor from the last flea

“Hey man why are you packing up everything ok?”

“Yeah, the rains coming, mine as well call it a day. No one comes out in the rain”

Shit. We decided were riding it out. Lets see how it plays out. Nonetheless, after about an hour and us being the only booth still stocked and ready to go, we realized, he was right. No one was coming. Time to call it a day. We made $450 surpassing what we did in a full day 3 weeks ago. We were bummed. It was such a good start, and such an abrupt end. Rain was not in the forcast that day. We packed up, soaked and miserable at a missed opportunity.

The hour ride home was silent for the first 20 minutes. Not a word said to each other. Upset, pissed off, and confused about why this happened. It wasn’t a waste of a day, but in a sense it was. Without any words spoken I know what we were both thinking. This isnt it. The old mans wise words were right. It’s a weekend gig. It’s a hobby. It’s an entire lot of lowballers. Its bargains. This is not us. This is not what we wanted for our future. Haggling, and explaining to someone the importance and story of an item to have them say “cool”, than walk away. Now trying doing that 20x in the same day. We had retail worthy items. We had stuff if we had a storefront that we could sell for triple what we were asking at that flea market. This wasn’t it, but as we’ve always said, this didn’t stop us going forward. There’s always another way. We had to figure out another way.

In the end, it was fun and it was an experience. We learned a lot and were able to meet and talk with some cool people. We hope the people who bought our stuff that day will enjoy it and pass on the story because that’s what its all about to us. Unfortunately though, as a vendor in a flea market, most people could care less about that story and let the price tag consume them. It’s not about that to us, and that’s why we haven’t set up shop at one since. Maybe in the future we will go back, and try another location, who knows, but for now we are sticking with our private buyers who enjoy our items much more.

#tricityrevivals #fleamarket #allairestatepark #nj #pickers #vendors

[holytheoristtastemaker]

It’s been 8 weeks since we are collectively experiencing the dramatic impact of COVID-19 pandemic. Since that time, we’ve all borne witness to how this flu virus impacting our families, our communities and our livelihood. Unemployment is on the rise, in fact, the labor department reported that another 6.6 million people had filed for unemployment benefits last week. Most city dwellers were not prepared for this kind of catastrophic event that caused many jobs. So here is my way of doing a public service to fellow developers and designers specially the to the younger generation. There are plethora of articles about computer programming languages and technologies for web and mobile application development but there are few that talks about the elephant in the room, the real-life struggle of web developers and designers. Whenever I go to hackathons, I meet people who are either unemployed or freelancing. Sadly, some go to this event for free food and temporary shelter because they can sleep and stay overnight at the venue. I also met aspiring coders who just graduated from coding boot camp looking for jobs. My designer and developer job is dispensable, our doomsday does not require an event of biblical proportion, all it takes is to lost a client, get fired or laid-off from our job. If  you are living in California our state has labor law called “At-will employment”. It is a term for contractual relationships in which an employee can be dismissed by an employer for any reason (that is,  without having to establish “just cause” for termination), and without warning, as long as the reason is not illegal (e.g. firing because of  the employee’s race or religion). The employers can outsource web and software development to programmers from  another country for a fraction of the price. For companies who’d rather hire someone onsite or offsite but still based locally inside United  States, some would prefer to hire you as an individual contractor, meaning no company benefits (paid sick leave, vacation leave), no health insurance, 401K, and perks that a permanent employee gets. Here are the things freelancers could do in order to survive the uncertainty of financial security and thrive in the tech industry while they are waiting for their big break or seeking permanent employment. Health Insurance This  is at the very top of my list. I learned this the hard way. My appendix ruptured years ago and since I do not have medical insurance the doctor does not want to perform surgery, his exact words was “you got no money to pay me,  just go home!”. I was in so much pain, my body is being poisoned, the nurse gave me a shot of Morphine to ease some pain but that made me so dizzy and vomit. Thank God, if not for the Good Samaritan who fought for me and my right as a patient to be admitted at the emergency, I will not get my operation. I  just want to emphasize how important it is to have a health insurance here in the united states. Make this your priority whether you have a job or not. If you need to  get out of your way to do your research and go to different clinics and  hospitals to know how you will get a free or low cost insurance, do so.  Do not procrastinate on this matter. It will cost you nothing to find a way to obtain health coverage, but it will cost you and your family too much trouble if you end up at the hospital bed—broke. Some Ways To Save Money I  think you will say your money is just enough to pay the bills and there is no more left to put aside for savings. I hear you, I’ve been there too. How about cutting down in unnecessary expenses? In my case, I cut down on junk foods. I like to eat something crunchy while I am working. I changed it to banana with almond butter. For me it works because the combination of the two is delicious and it fill me up easily and curbed my craving for junk foods. One banana cost 10–29 cents per piece, and the almond butter will last me for two weeks if I will consume it daily. I also tried to snack on celery sticks and carrots, I never thought I would like them, it gave me the same effect (crunchy) I get from eating chips. Now I enjoy eating beets and fruits for snacks whenever I am craving for something  sweet. When I go shopping, I will ask this question before making a purchase. “Is  this a need or a want?”. If the answer is need, I will buy it. If not, I  will pass. What do I get from this anyway? One time my wheel got punctured by a big nail because I parked next to a house undergoing construction. If I did not cut down on the unnecessary, I will not have the money to buy two new front tires. I  asked my dad to give me a AAA Auto Club membership as a birthday gift instead of a purse or clothes. So it did not cost me a penny to get my car towed from the location I got a flat tire all the way to the car mechanic’s shop. Towing company charges around $200–$300 depending on the location, I saved a good deal of money by getting a AAA card and the savings from affiliate stores discount that comes with it. Switch  to prepaid cellphone. I used to pay $100/month on my cellphone bill, so  I switched to prepaid and it saved me 40% plus I am not tied-up to a  2-year contract which will gravely affect your credit score when you can't afford to pay the bill and the cellphone provider put your account in collection. Low FICO score may affect your employment to big companies when they run your credit, and you will have to pay higher interest when you buy a car, and most often than not, when you decided to get your own place, you will be charged with a higher rent. Your chance of purchasing a home will be gravely affected as well, debt delinquency is a red flag to banks and mortgage brokers unless you are paying cash in full which is quite risky because they will report you to the Federal Bureau of Investigation by possessing hundreds of thousands of money in cash. Did I went too far? I think that's a good thing to know right? They don't teach that in computer science school. If  you are subscribed to Netlifx, Amazon Prime, Hulu, or YouTube Red, I  wonder how much time do you have in your hands to watch movies from these platforms. Unless they are required to do your work, think about which one you use less often and de-activate it for the mean time until you are making more money. There are numerous ways to save, the key ingredient here is to seek for other options and to cut down in your excess. Food Prepping After my surgery, it took me 6 months to recover. As I mentioned before, my  job is dispensable. I got replaced one week after my surgery because I  was working on a project that has a strict due date. I was working there for only a couple of months before my medical emergency. The money I was able to save from my two months of freelance work went towards my rent while I was recuperating. With the kindness of my friends from church, they gave me food that lasted for one week. But I do not want to abuse this kind gesture, they also got their own family to support. I did what I got to do — go to food banks. I  was lining up there for some months. The thing with food banks is you do not have that much of a choice when it comes to creating a recipe.  The first one I went to, they gave me a can of apple sauce, green beans, one box of oatmeal, pickled jalapeño, and peanut butter. So I bought a box of crackers from the dollar store and ate peanut butter and crackers the first few days. Second time I went there, I was able to talk to other people falling in line, they told me that in one day, they will visit 3–4 food banks to come up with a good recipe. I had a car so I volunteered to drive them around because they were senior citizens and I feel compassionate with the ordeal they were going through every week to get  food. They cannot find work because they are considered as unemployable because of their age and limited capacity for hard labor. They live with their children who were also struggling. What  I learned from this experience is to do food prepping during the time of plenty. Every time I go to the grocery I will buy extra canned and dry goods that has long shelf life. I do not buy in excess because it will only be wasted when the expiration date comes and you were not able to eat them or forgot about them. I will get 2 cans of tuna for example, something not superfluous. One for immediate consumption, the other for the rainy days. If you go to the market every week, then in one month you will be able to save four cans. In one year, you will be able to save up 48 items. That means when you lost your job or income, you know for sure you have food to eat for 48 days, this is what I call a life line, it will gave you sustenance until you find another job. One item is a base number or something to start with. To make it more realistic,  get 3 items extra to cover for three meals a day. Since you have free time, cut some coupons for buy one get one or shop at the place where they have a promo. This is doable, so I see no reason not to do it. Fasting The  benefits of fasting is it promotes blood sugar control by reducing insulin resistance, it helps fight inflammation and improve blood  pressure. You will have a good skin and loose weight as well. Fasting  also made me realize that I am not going to die if I will not eat solid  food for three days or more. That will get rid of your anxiety of not having food on your table. So you will have the clarity of mind to think about a new game plan in this time of famine. When your food supply is running low, you got to slow down your consumption as well. Once you experienced fasting, you will acquire a discipline to tame down your food cravings. If you are not ready to do a three day fast, you can do intermittent fasting instead. I tried it while I was in a ketogenic diet and I lost 5 lbs in two weeks. It also gives me more energy to spend on important things that I need to take care of. Bus Pass Finding  a new job means you need to go to employment agencies or go to job  interviews. Based on my experience, parking fees in Los Angeles is common specially if the office is located inside a building or establishments with nearby restaurants and shops. Depending on the location, the cheapest is $2/hr if you will park in meter, while inside a parking lot it may cost from $10 to $30. Not all company provides parking validation. There was a time I only got twenty dollars left and I spent it all by paying a parking fee in this job interview, but I did not get the job. It was painful, it is hard to explain if you have not been into the same situation. So get a bus pass and load it up when you have extra money. Even though I have a car, I will only use it going to places that is not accessible to public transportation, I am saving my gas for something more important. There was a time I gave my friends a hint that what I want for Christmas is a bus pass and not those things that shine and glitter. What I was asking for is practical and essential. This is applicable if you live in a place that have this type of transportation system. My point here is to prioritize what is pragmatic. Sleep in your car This may sound ridiculous but training pays. If you own a car, empty the trunk and fold the back seat (if it can). See if you will fit in there,  if not, fold back the front seat as well until you feel the most likely comfortable. It is not going to be comfortable for most cases unless you have a truck, van, or SUV. Depending on the size of your car, get a low height airbed, foam mattress, pillows or anything that will serve as a cushion to protect your back from the hard surface. Your car will be twice colder or hotter than your bedroom. So get your thickest blanket if it is cold season. Get a small luggage or any bag that will fit one week worth of clothes that you will wear on a daily basis, specially if you go to work. I know people who goes to work every day sleeping in their car. I was one of them. Sleep in your car as long as it is parked inside a home or private property. Do not sleep in your car if you are parked in the street without checking the ordinances where you live because your car will be confiscated and it will cost you an arm and a leg to retrieve it at the compound. Sleeping inside a car is illegal in California. Ask your church or neighbor if you can park your car inside their property. Look online where homeless people park to sleep. You may not need the information today, but it is golden when that time comes that your landlord kick you out or change the lock on your door. These are basic necessities provided that you have the resources to start with, your situation could be more complex. Some people sleep at homeless shelter, tent, parks, and anywhere possible. I stayed at a transitional home or sober housing one point in my life (even though I do not drink). The social worker recommended me there because its a house and a safe place. It is not free though, I paid for my rent and bills every month, the only upside is you do not have to come up with a deposit which adds up to the moving expenses. The not so good thing is I got zero knowledge and experience living with people rehabilitating from drugs, crime, mental health, and physical abuse. So it was a challenging and chaotic environment that I have to endure to survive. This chapter of my life was one great story of redemption, you can read it here if you are interested. Knowing  you will be able to survive in financial crisis will help eliminate your fears. Because fear block us from pursuing our dream and the ability to thrive. Remember, the main topic of this article is "survival". I wish the rainy days will not come, but there is no security in any type of job. I do understand why you chose this freelancer's life because you want a less stressful job, you want time for yourself and your family, you want stay away from office politics, you are exhausted from long hours of commute and most of all, you are sick and tired of toxic people at work sucking the life out of you. But life will throw us a curve ball. We are here to learn from each other's experiences and to be prepared for our own share of ups and downs. Stay Home Stay Safe and Level Up The company that I joined recently ceased their operation due to COVID-19 pandemic and I am using this free time to learn WordPress REST API at Lynda.com and APIs and Microservices at freeCodeCamp.org. I use freeCodeCamp's curriculum for my Coffee and Code meetups and coding boot camp. My students (kids and adults) likes the Responsive Web Design course. You get praises and kudos every time you completed the line of codes correctly, it is motivating. What I like about freeCodeCamp is you will learn to build real-life projects that you can add in your portfolio, earn certification, and help you prepare you for coding interview. Thousands of coders around the world are using freeCodeCamp and I recommend that you give it a try too. freeCodeCamp Courses Read books The book Soft Skills: The software developer's life manual offer techniques and practices for a more satisfying life as a professional software developer. In it, developer and life coach John Sonmez addresses a wide range of important "soft" topics, from career and productivity to personal finance and investing, and even fitness and relationships, all from a developer-centric viewpoint. In The Clean Coder: A Code of Conduct for Professional Programmers, legendary software expert Robert C. Martin introduces the disciplines, techniques, tools, and practices of true software craftsmanship. Martin shows how to approach software development with honor, self-respect, and pride; work well and work clean; communicate and estimate faithfully; face difficult decisions with clarity and honesty; and understand that deep knowledge comes with a responsibility to act. One last thing I'd like to share is that reading helped me during my dark night of the soul. Aside from programming books, I also read about existentialism, stoicism, and psychology. Recently, I read The Plague by Albert Camus, Metamorphosis by Franz Kafka, and Meditations by Marcus Aurelius. For the past two years, I spent hundred of hours reading the Collected Works of C.G. Jung, if you work in the creative industry like design and film making, his books will tap into your psyche and unconscious, my favorite is Liber Novus The Red Book. I think one of the best thing you can do to survive and thrive as a human being is to practice to be brave. Thank you for reading, I hope it inspires you.

http://damianfallon.blogspot.com/2020/04/how-to-survive-as-freelancer_49.html

[holytheoristtastemaker]

It’s been 8 weeks since we are collectively experiencing the dramatic impact of COVID-19 pandemic. Since that time, we’ve all borne witness to how this flu virus impacting our families, our communities and our livelihood. Unemployment is on the rise, in fact, the labor department reported that another 6.6 million people had filed for unemployment benefits last week. Most city dwellers were not prepared for this kind of catastrophic event that caused many jobs. So here is my way of doing a public service to fellow developers and designers specially the to the younger generation. There are plethora of articles about computer programming languages and technologies for web and mobile application development but there are few that talks about the elephant in the room, the real-life struggle of web developers and designers. Whenever I go to hackathons, I meet people who are either unemployed or freelancing. Sadly, some go to this event for free food and temporary shelter because they can sleep and stay overnight at the venue. I also met aspiring coders who just graduated from coding boot camp looking for jobs. My designer and developer job is dispensable, our doomsday does not require an event of biblical proportion, all it takes is to lost a client, get fired or laid-off from our job. If  you are living in California our state has labor law called “At-will employment”. It is a term for contractual relationships in which an employee can be dismissed by an employer for any reason (that is,  without having to establish “just cause” for termination), and without warning, as long as the reason is not illegal (e.g. firing because of  the employee’s race or religion). The employers can outsource web and software development to programmers from  another country for a fraction of the price. For companies who’d rather hire someone onsite or offsite but still based locally inside United  States, some would prefer to hire you as an individual contractor, meaning no company benefits (paid sick leave, vacation leave), no health insurance, 401K, and perks that a permanent employee gets. Here are the things freelancers could do in order to survive the uncertainty of financial security and thrive in the tech industry while they are waiting for their big break or seeking permanent employment. Health Insurance This  is at the very top of my list. I learned this the hard way. My appendix ruptured years ago and since I do not have medical insurance the doctor does not want to perform surgery, his exact words was “you got no money to pay me,  just go home!”. I was in so much pain, my body is being poisoned, the nurse gave me a shot of Morphine to ease some pain but that made me so dizzy and vomit. Thank God, if not for the Good Samaritan who fought for me and my right as a patient to be admitted at the emergency, I will not get my operation. I  just want to emphasize how important it is to have a health insurance here in the united states. Make this your priority whether you have a job or not. If you need to  get out of your way to do your research and go to different clinics and  hospitals to know how you will get a free or low cost insurance, do so.  Do not procrastinate on this matter. It will cost you nothing to find a way to obtain health coverage, but it will cost you and your family too much trouble if you end up at the hospital bed—broke. Some Ways To Save Money I  think you will say your money is just enough to pay the bills and there is no more left to put aside for savings. I hear you, I’ve been there too. How about cutting down in unnecessary expenses? In my case, I cut down on junk foods. I like to eat something crunchy while I am working. I changed it to banana with almond butter. For me it works because the combination of the two is delicious and it fill me up easily and curbed my craving for junk foods. One banana cost 10–29 cents per piece, and the almond butter will last me for two weeks if I will consume it daily. I also tried to snack on celery sticks and carrots, I never thought I would like them, it gave me the same effect (crunchy) I get from eating chips. Now I enjoy eating beets and fruits for snacks whenever I am craving for something  sweet. When I go shopping, I will ask this question before making a purchase. “Is  this a need or a want?”. If the answer is need, I will buy it. If not, I  will pass. What do I get from this anyway? One time my wheel got punctured by a big nail because I parked next to a house undergoing construction. If I did not cut down on the unnecessary, I will not have the money to buy two new front tires. I  asked my dad to give me a AAA Auto Club membership as a birthday gift instead of a purse or clothes. So it did not cost me a penny to get my car towed from the location I got a flat tire all the way to the car mechanic’s shop. Towing company charges around $200–$300 depending on the location, I saved a good deal of money by getting a AAA card and the savings from affiliate stores discount that comes with it. Switch  to prepaid cellphone. I used to pay $100/month on my cellphone bill, so  I switched to prepaid and it saved me 40% plus I am not tied-up to a  2-year contract which will gravely affect your credit score when you can't afford to pay the bill and the cellphone provider put your account in collection. Low FICO score may affect your employment to big companies when they run your credit, and you will have to pay higher interest when you buy a car, and most often than not, when you decided to get your own place, you will be charged with a higher rent. Your chance of purchasing a home will be gravely affected as well, debt delinquency is a red flag to banks and mortgage brokers unless you are paying cash in full which is quite risky because they will report you to the Federal Bureau of Investigation by possessing hundreds of thousands of money in cash. Did I went too far? I think that's a good thing to know right? They don't teach that in computer science school. If  you are subscribed to Netlifx, Amazon Prime, Hulu, or YouTube Red, I  wonder how much time do you have in your hands to watch movies from these platforms. Unless they are required to do your work, think about which one you use less often and de-activate it for the mean time until you are making more money. There are numerous ways to save, the key ingredient here is to seek for other options and to cut down in your excess. Food Prepping After my surgery, it took me 6 months to recover. As I mentioned before, my  job is dispensable. I got replaced one week after my surgery because I  was working on a project that has a strict due date. I was working there for only a couple of months before my medical emergency. The money I was able to save from my two months of freelance work went towards my rent while I was recuperating. With the kindness of my friends from church, they gave me food that lasted for one week. But I do not want to abuse this kind gesture, they also got their own family to support. I did what I got to do — go to food banks. I  was lining up there for some months. The thing with food banks is you do not have that much of a choice when it comes to creating a recipe.  The first one I went to, they gave me a can of apple sauce, green beans, one box of oatmeal, pickled jalapeño, and peanut butter. So I bought a box of crackers from the dollar store and ate peanut butter and crackers the first few days. Second time I went there, I was able to talk to other people falling in line, they told me that in one day, they will visit 3–4 food banks to come up with a good recipe. I had a car so I volunteered to drive them around because they were senior citizens and I feel compassionate with the ordeal they were going through every week to get  food. They cannot find work because they are considered as unemployable because of their age and limited capacity for hard labor. They live with their children who were also struggling. What  I learned from this experience is to do food prepping during the time of plenty. Every time I go to the grocery I will buy extra canned and dry goods that has long shelf life. I do not buy in excess because it will only be wasted when the expiration date comes and you were not able to eat them or forgot about them. I will get 2 cans of tuna for example, something not superfluous. One for immediate consumption, the other for the rainy days. If you go to the market every week, then in one month you will be able to save four cans. In one year, you will be able to save up 48 items. That means when you lost your job or income, you know for sure you have food to eat for 48 days, this is what I call a life line, it will gave you sustenance until you find another job. One item is a base number or something to start with. To make it more realistic,  get 3 items extra to cover for three meals a day. Since you have free time, cut some coupons for buy one get one or shop at the place where they have a promo. This is doable, so I see no reason not to do it. Fasting The  benefits of fasting is it promotes blood sugar control by reducing insulin resistance, it helps fight inflammation and improve blood  pressure. You will have a good skin and loose weight as well. Fasting  also made me realize that I am not going to die if I will not eat solid  food for three days or more. That will get rid of your anxiety of not having food on your table. So you will have the clarity of mind to think about a new game plan in this time of famine. When your food supply is running low, you got to slow down your consumption as well. Once you experienced fasting, you will acquire a discipline to tame down your food cravings. If you are not ready to do a three day fast, you can do intermittent fasting instead. I tried it while I was in a ketogenic diet and I lost 5 lbs in two weeks. It also gives me more energy to spend on important things that I need to take care of. Bus Pass Finding  a new job means you need to go to employment agencies or go to job  interviews. Based on my experience, parking fees in Los Angeles is common specially if the office is located inside a building or establishments with nearby restaurants and shops. Depending on the location, the cheapest is $2/hr if you will park in meter, while inside a parking lot it may cost from $10 to $30. Not all company provides parking validation. There was a time I only got twenty dollars left and I spent it all by paying a parking fee in this job interview, but I did not get the job. It was painful, it is hard to explain if you have not been into the same situation. So get a bus pass and load it up when you have extra money. Even though I have a car, I will only use it going to places that is not accessible to public transportation, I am saving my gas for something more important. There was a time I gave my friends a hint that what I want for Christmas is a bus pass and not those things that shine and glitter. What I was asking for is practical and essential. This is applicable if you live in a place that have this type of transportation system. My point here is to prioritize what is pragmatic. Sleep in your car This may sound ridiculous but training pays. If you own a car, empty the trunk and fold the back seat (if it can). See if you will fit in there,  if not, fold back the front seat as well until you feel the most likely comfortable. It is not going to be comfortable for most cases unless you have a truck, van, or SUV. Depending on the size of your car, get a low height airbed, foam mattress, pillows or anything that will serve as a cushion to protect your back from the hard surface. Your car will be twice colder or hotter than your bedroom. So get your thickest blanket if it is cold season. Get a small luggage or any bag that will fit one week worth of clothes that you will wear on a daily basis, specially if you go to work. I know people who goes to work every day sleeping in their car. I was one of them. Sleep in your car as long as it is parked inside a home or private property. Do not sleep in your car if you are parked in the street without checking the ordinances where you live because your car will be confiscated and it will cost you an arm and a leg to retrieve it at the compound. Sleeping inside a car is illegal in California. Ask your church or neighbor if you can park your car inside their property. Look online where homeless people park to sleep. You may not need the information today, but it is golden when that time comes that your landlord kick you out or change the lock on your door. These are basic necessities provided that you have the resources to start with, your situation could be more complex. Some people sleep at homeless shelter, tent, parks, and anywhere possible. I stayed at a transitional home or sober housing one point in my life (even though I do not drink). The social worker recommended me there because its a house and a safe place. It is not free though, I paid for my rent and bills every month, the only upside is you do not have to come up with a deposit which adds up to the moving expenses. The not so good thing is I got zero knowledge and experience living with people rehabilitating from drugs, crime, mental health, and physical abuse. So it was a challenging and chaotic environment that I have to endure to survive. This chapter of my life was one great story of redemption, you can read it here if you are interested. Knowing  you will be able to survive in financial crisis will help eliminate your fears. Because fear block us from pursuing our dream and the ability to thrive. Remember, the main topic of this article is "survival". I wish the rainy days will not come, but there is no security in any type of job. I do understand why you chose this freelancer's life because you want a less stressful job, you want time for yourself and your family, you want stay away from office politics, you are exhausted from long hours of commute and most of all, you are sick and tired of toxic people at work sucking the life out of you. But life will throw us a curve ball. We are here to learn from each other's experiences and to be prepared for our own share of ups and downs. Stay Home Stay Safe and Level Up The company that I joined recently ceased their operation due to COVID-19 pandemic and I am using this free time to learn WordPress REST API at Lynda.com and APIs and Microservices at freeCodeCamp.org. I use freeCodeCamp's curriculum for my Coffee and Code meetups and coding boot camp. My students (kids and adults) likes the Responsive Web Design course. You get praises and kudos every time you completed the line of codes correctly, it is motivating. What I like about freeCodeCamp is you will learn to build real-life projects that you can add in your portfolio, earn certification, and help you prepare you for coding interview. Thousands of coders around the world are using freeCodeCamp and I recommend that you give it a try too. freeCodeCamp Courses Read books The book Soft Skills: The software developer's life manual offer techniques and practices for a more satisfying life as a professional software developer. In it, developer and life coach John Sonmez addresses a wide range of important "soft" topics, from career and productivity to personal finance and investing, and even fitness and relationships, all from a developer-centric viewpoint. In The Clean Coder: A Code of Conduct for Professional Programmers, legendary software expert Robert C. Martin introduces the disciplines, techniques, tools, and practices of true software craftsmanship. Martin shows how to approach software development with honor, self-respect, and pride; work well and work clean; communicate and estimate faithfully; face difficult decisions with clarity and honesty; and understand that deep knowledge comes with a responsibility to act. One last thing I'd like to share is that reading helped me during my dark night of the soul. Aside from programming books, I also read about existentialism, stoicism, and psychology. Recently, I read The Plague by Albert Camus, Metamorphosis by Franz Kafka, and Meditations by Marcus Aurelius. For the past two years, I spent hundred of hours reading the Collected Works of C.G. Jung, if you work in the creative industry like design and film making, his books will tap into your psyche and unconscious, my favorite is Liber Novus The Red Book. I think one of the best thing you can do to survive and thrive as a human being is to practice to be brave. Thank you for reading, I hope it inspires you.

http://damianfallon.blogspot.com/2020/04/how-to-survive-as-freelancer_11.html

[holytheoristtastemaker]

It’s been 8 weeks since we are collectively experiencing the dramatic impact of COVID-19 pandemic. Since that time, we’ve all borne witness to how this flu virus impacting our families, our communities and our livelihood. Unemployment is on the rise, in fact, the labor department reported that another 6.6 million people had filed for unemployment benefits last week. Most city dwellers were not prepared for this kind of catastrophic event that caused many jobs. So here is my way of doing a public service to fellow developers and designers specially the to the younger generation. There are plethora of articles about computer programming languages and technologies for web and mobile application development but there are few that talks about the elephant in the room, the real-life struggle of web developers and designers. Whenever I go to hackathons, I meet people who are either unemployed or freelancing. Sadly, some go to this event for free food and temporary shelter because they can sleep and stay overnight at the venue. I also met aspiring coders who just graduated from coding boot camp looking for jobs. My designer and developer job is dispensable, our doomsday does not require an event of biblical proportion, all it takes is to lost a client, get fired or laid-off from our job. If  you are living in California our state has labor law called “At-will employment”. It is a term for contractual relationships in which an employee can be dismissed by an employer for any reason (that is,  without having to establish “just cause” for termination), and without warning, as long as the reason is not illegal (e.g. firing because of  the employee’s race or religion). The employers can outsource web and software development to programmers from  another country for a fraction of the price. For companies who’d rather hire someone onsite or offsite but still based locally inside United  States, some would prefer to hire you as an individual contractor, meaning no company benefits (paid sick leave, vacation leave), no health insurance, 401K, and perks that a permanent employee gets. Here are the things freelancers could do in order to survive the uncertainty of financial security and thrive in the tech industry while they are waiting for their big break or seeking permanent employment. Health Insurance This  is at the very top of my list. I learned this the hard way. My appendix ruptured years ago and since I do not have medical insurance the doctor does not want to perform surgery, his exact words was “you got no money to pay me,  just go home!”. I was in so much pain, my body is being poisoned, the nurse gave me a shot of Morphine to ease some pain but that made me so dizzy and vomit. Thank God, if not for the Good Samaritan who fought for me and my right as a patient to be admitted at the emergency, I will not get my operation. I  just want to emphasize how important it is to have a health insurance here in the united states. Make this your priority whether you have a job or not. If you need to  get out of your way to do your research and go to different clinics and  hospitals to know how you will get a free or low cost insurance, do so.  Do not procrastinate on this matter. It will cost you nothing to find a way to obtain health coverage, but it will cost you and your family too much trouble if you end up at the hospital bed—broke. Some Ways To Save Money I  think you will say your money is just enough to pay the bills and there is no more left to put aside for savings. I hear you, I’ve been there too. How about cutting down in unnecessary expenses? In my case, I cut down on junk foods. I like to eat something crunchy while I am working. I changed it to banana with almond butter. For me it works because the combination of the two is delicious and it fill me up easily and curbed my craving for junk foods. One banana cost 10–29 cents per piece, and the almond butter will last me for two weeks if I will consume it daily. I also tried to snack on celery sticks and carrots, I never thought I would like them, it gave me the same effect (crunchy) I get from eating chips. Now I enjoy eating beets and fruits for snacks whenever I am craving for something  sweet. When I go shopping, I will ask this question before making a purchase. “Is  this a need or a want?”. If the answer is need, I will buy it. If not, I  will pass. What do I get from this anyway? One time my wheel got punctured by a big nail because I parked next to a house undergoing construction. If I did not cut down on the unnecessary, I will not have the money to buy two new front tires. I  asked my dad to give me a AAA Auto Club membership as a birthday gift instead of a purse or clothes. So it did not cost me a penny to get my car towed from the location I got a flat tire all the way to the car mechanic’s shop. Towing company charges around $200–$300 depending on the location, I saved a good deal of money by getting a AAA card and the savings from affiliate stores discount that comes with it. Switch  to prepaid cellphone. I used to pay $100/month on my cellphone bill, so  I switched to prepaid and it saved me 40% plus I am not tied-up to a  2-year contract which will gravely affect your credit score when you can't afford to pay the bill and the cellphone provider put your account in collection. Low FICO score may affect your employment to big companies when they run your credit, and you will have to pay higher interest when you buy a car, and most often than not, when you decided to get your own place, you will be charged with a higher rent. Your chance of purchasing a home will be gravely affected as well, debt delinquency is a red flag to banks and mortgage brokers unless you are paying cash in full which is quite risky because they will report you to the Federal Bureau of Investigation by possessing hundreds of thousands of money in cash. Did I went too far? I think that's a good thing to know right? They don't teach that in computer science school. If  you are subscribed to Netlifx, Amazon Prime, Hulu, or YouTube Red, I  wonder how much time do you have in your hands to watch movies from these platforms. Unless they are required to do your work, think about which one you use less often and de-activate it for the mean time until you are making more money. There are numerous ways to save, the key ingredient here is to seek for other options and to cut down in your excess. Food Prepping After my surgery, it took me 6 months to recover. As I mentioned before, my  job is dispensable. I got replaced one week after my surgery because I  was working on a project that has a strict due date. I was working there for only a couple of months before my medical emergency. The money I was able to save from my two months of freelance work went towards my rent while I was recuperating. With the kindness of my friends from church, they gave me food that lasted for one week. But I do not want to abuse this kind gesture, they also got their own family to support. I did what I got to do — go to food banks. I  was lining up there for some months. The thing with food banks is you do not have that much of a choice when it comes to creating a recipe.  The first one I went to, they gave me a can of apple sauce, green beans, one box of oatmeal, pickled jalapeño, and peanut butter. So I bought a box of crackers from the dollar store and ate peanut butter and crackers the first few days. Second time I went there, I was able to talk to other people falling in line, they told me that in one day, they will visit 3–4 food banks to come up with a good recipe. I had a car so I volunteered to drive them around because they were senior citizens and I feel compassionate with the ordeal they were going through every week to get  food. They cannot find work because they are considered as unemployable because of their age and limited capacity for hard labor. They live with their children who were also struggling. What  I learned from this experience is to do food prepping during the time of plenty. Every time I go to the grocery I will buy extra canned and dry goods that has long shelf life. I do not buy in excess because it will only be wasted when the expiration date comes and you were not able to eat them or forgot about them. I will get 2 cans of tuna for example, something not superfluous. One for immediate consumption, the other for the rainy days. If you go to the market every week, then in one month you will be able to save four cans. In one year, you will be able to save up 48 items. That means when you lost your job or income, you know for sure you have food to eat for 48 days, this is what I call a life line, it will gave you sustenance until you find another job. One item is a base number or something to start with. To make it more realistic,  get 3 items extra to cover for three meals a day. Since you have free time, cut some coupons for buy one get one or shop at the place where they have a promo. This is doable, so I see no reason not to do it. Fasting The  benefits of fasting is it promotes blood sugar control by reducing insulin resistance, it helps fight inflammation and improve blood  pressure. You will have a good skin and loose weight as well. Fasting  also made me realize that I am not going to die if I will not eat solid  food for three days or more. That will get rid of your anxiety of not having food on your table. So you will have the clarity of mind to think about a new game plan in this time of famine. When your food supply is running low, you got to slow down your consumption as well. Once you experienced fasting, you will acquire a discipline to tame down your food cravings. If you are not ready to do a three day fast, you can do intermittent fasting instead. I tried it while I was in a ketogenic diet and I lost 5 lbs in two weeks. It also gives me more energy to spend on important things that I need to take care of. Bus Pass Finding  a new job means you need to go to employment agencies or go to job  interviews. Based on my experience, parking fees in Los Angeles is common specially if the office is located inside a building or establishments with nearby restaurants and shops. Depending on the location, the cheapest is $2/hr if you will park in meter, while inside a parking lot it may cost from $10 to $30. Not all company provides parking validation. There was a time I only got twenty dollars left and I spent it all by paying a parking fee in this job interview, but I did not get the job. It was painful, it is hard to explain if you have not been into the same situation. So get a bus pass and load it up when you have extra money. Even though I have a car, I will only use it going to places that is not accessible to public transportation, I am saving my gas for something more important. There was a time I gave my friends a hint that what I want for Christmas is a bus pass and not those things that shine and glitter. What I was asking for is practical and essential. This is applicable if you live in a place that have this type of transportation system. My point here is to prioritize what is pragmatic. Sleep in your car This may sound ridiculous but training pays. If you own a car, empty the trunk and fold the back seat (if it can). See if you will fit in there,  if not, fold back the front seat as well until you feel the most likely comfortable. It is not going to be comfortable for most cases unless you have a truck, van, or SUV. Depending on the size of your car, get a low height airbed, foam mattress, pillows or anything that will serve as a cushion to protect your back from the hard surface. Your car will be twice colder or hotter than your bedroom. So get your thickest blanket if it is cold season. Get a small luggage or any bag that will fit one week worth of clothes that you will wear on a daily basis, specially if you go to work. I know people who goes to work every day sleeping in their car. I was one of them. Sleep in your car as long as it is parked inside a home or private property. Do not sleep in your car if you are parked in the street without checking the ordinances where you live because your car will be confiscated and it will cost you an arm and a leg to retrieve it at the compound. Sleeping inside a car is illegal in California. Ask your church or neighbor if you can park your car inside their property. Look online where homeless people park to sleep. You may not need the information today, but it is golden when that time comes that your landlord kick you out or change the lock on your door. These are basic necessities provided that you have the resources to start with, your situation could be more complex. Some people sleep at homeless shelter, tent, parks, and anywhere possible. I stayed at a transitional home or sober housing one point in my life (even though I do not drink). The social worker recommended me there because its a house and a safe place. It is not free though, I paid for my rent and bills every month, the only upside is you do not have to come up with a deposit which adds up to the moving expenses. The not so good thing is I got zero knowledge and experience living with people rehabilitating from drugs, crime, mental health, and physical abuse. So it was a challenging and chaotic environment that I have to endure to survive. This chapter of my life was one great story of redemption, you can read it here if you are interested. Knowing  you will be able to survive in financial crisis will help eliminate your fears. Because fear block us from pursuing our dream and the ability to thrive. Remember, the main topic of this article is "survival". I wish the rainy days will not come, but there is no security in any type of job. I do understand why you chose this freelancer's life because you want a less stressful job, you want time for yourself and your family, you want stay away from office politics, you are exhausted from long hours of commute and most of all, you are sick and tired of toxic people at work sucking the life out of you. But life will throw us a curve ball. We are here to learn from each other's experiences and to be prepared for our own share of ups and downs. Stay Home Stay Safe and Level Up The company that I joined recently ceased their operation due to COVID-19 pandemic and I am using this free time to learn WordPress REST API at Lynda.com and APIs and Microservices at freeCodeCamp.org. I use freeCodeCamp's curriculum for my Coffee and Code meetups and coding boot camp. My students (kids and adults) likes the Responsive Web Design course. You get praises and kudos every time you completed the line of codes correctly, it is motivating. What I like about freeCodeCamp is you will learn to build real-life projects that you can add in your portfolio, earn certification, and help you prepare you for coding interview. Thousands of coders around the world are using freeCodeCamp and I recommend that you give it a try too. freeCodeCamp Courses Read books The book Soft Skills: The software developer's life manual offer techniques and practices for a more satisfying life as a professional software developer. In it, developer and life coach John Sonmez addresses a wide range of important "soft" topics, from career and productivity to personal finance and investing, and even fitness and relationships, all from a developer-centric viewpoint. In The Clean Coder: A Code of Conduct for Professional Programmers, legendary software expert Robert C. Martin introduces the disciplines, techniques, tools, and practices of true software craftsmanship. Martin shows how to approach software development with honor, self-respect, and pride; work well and work clean; communicate and estimate faithfully; face difficult decisions with clarity and honesty; and understand that deep knowledge comes with a responsibility to act. One last thing I'd like to share is that reading helped me during my dark night of the soul. Aside from programming books, I also read about existentialism, stoicism, and psychology. Recently, I read The Plague by Albert Camus, Metamorphosis by Franz Kafka, and Meditations by Marcus Aurelius. For the past two years, I spent hundred of hours reading the Collected Works of C.G. Jung, if you work in the creative industry like design and film making, his books will tap into your psyche and unconscious, my favorite is Liber Novus The Red Book. I think one of the best thing you can do to survive and thrive as a human being is to practice to be brave. Thank you for reading, I hope it inspires you.

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