#gonna budget a little this month so i can make it through any random payments that might hit (like my folks borrowing money) but ill be oka

[ch3rrbearyeen]

con haul from this weekend!! our sunday was cut a little short bc the artist alley/dealers den closed early + they also shut down the food court BUT i got a bunch of cute stuff this weekend :}

ill put the haul under the cut so its not too big of a spam

items include: one kiamei print, a pair of pawmitts (with squeakers!), a pawprints lanyard, a good puppy hangtag w/ petplay kink gear on the other side, a mob psycho print for my partner, two stickers for my water bottle, and a furry print for myself!!

wruff :3!!!

[kidmachinate]

Stimulate Yourself First!

Now that I have your attention, let’s bring something a little different to this space. Finances. We’re gonna get financially naked here so if finances intimate you, here’s your warning. That said, this is not meant to flex by any means. We all know people who make more or less than us and this barrier needs to come down. Should that be why we don’t talk about this stuff enough? I don’t think so. Let’s generate some value here, shall we?

Before I start this, understand that timing was on my side with this one. I happened to line up a new job, a delayed stimulus check being sent out to me, and my last collection of money for unemployment around the same time. Due to this, there was a lot coming in at once. That is part of what we struggle with however. We’ve got all this money...LET’S SPEND IT! You could. I can’t make your life choices for you...but hear me out and take a look here. No doubt what they want you to do is that whatever isn’t being spent on bills, gets thrown back towards Amazon, or Walmart, or whoever else wants your money. No doubt by now, you’ve figured out where my $1400 stimulus check went. NOT to them. Straight to savings. That’s debatably a bad place too but better than back into the system.that isn’t helping the common man or woman. See 2020.

$1400 just put away without a second thought. I was excited given my current job pays $18/hr to have just over the same amount coming in at the same time...but I didn’t take into account the taxman and paying into social security/medicaid, which is about 15% of that so...whoops. Can’t plan for it all, eh? So less than $1400 to work with. No big deal. From here, we’re paying bills for the month. None of this is for rent. We’re talking lights, internet, etc. We have a little over $1200 to do this with. Roughly $500 is going into past expenses put on credit cards and bills already previously paid with said cards. Credit Cards aren’t as scary as some want you to think but that’s perhaps for another time. This is where we start diving into wants. We’re going big though. My couch due to pets and negligence to an absurd degree has put it in not the best of shape. The couch which will now also be a recliner is $600. Then, gotta get a delivery person. With said $600, I should be getting help with $200 of that from one of two people that were ultimately responsible for the couch in its current state. This means only $400 + delivery which will be around $125 or so. I think we will stop here for the sake of this post.

In this example, let’s do some basic math. Really. Basic. Because I’m terrible at it.

$1400 Stimulus + $500 Bills = $1900 of money we don’t even touch. We paid ourselves first and were responsible in paying bills. Next paycheck, another $1000 will go towards rent. Yay responsibility!

$525 on wants = This is what was decided on for splurging. Long overdue and a good chance to afford it instead of putting it on credit.

Amounts not spoken for, they stay in checking for whatever comes up. Gotta have funds on hand. To this, we are adding roughly another $500 from our last payment through unemployment before going back to work and making a part of this aforementioned money. There’s still a lot to plan for and a bunch of it will not doubt be spent. On what however and for what purpose? We all have to make choices like this.Those choices can become real difficult depending on budget. Some random guy on Tumblr maybe isn’t your first consideration for financial advice and by all means, I am not claiming I am one. I am not. However, since we are not taught what we need to know in school to get ahead financially and/or build wealth, we’ve gotta make our own rules. A combination of consumed content from people that know more than I do about this stuff online and personal values keeps me in check. I’m also in a unique position of knowing what it has been like to live safely between lower and middle class much of my life, so I can empathize with making less, while taking my chances with greater wealth to help plan for the future.

If you get value from this, amazing. I’m just a regular human trying to get by like the rest of you. My biggest advantages vs people in my age group is the lack of debt ever carried for very long, specifically no student debt, and actually having a savings. Average millennial? Not trying to live that life. Life is stressful enough. While much should be done “with a purpose” as my father used to say, that applies to so much here in the finance space as much as it would for something like what clothes we chose to wear.

I’d encourage you, for as intimidating as it is, to at least think about making a plan to get ahead. When you simply come face to face with your own spending habits, only then, and over time, probably through many years of learning, can you go towards a less stressful life and one lived based on your values. Not how cool you look in a Instagram pic having a daily five to six dollar coffee at Starbucks.

If you enjoyed this in any capacity, message me somewhere. Here or wherever else. Maybe I’ll come up with more. Otherwise, there’s hope no matter how desperate. We can’t live on handouts, especially if they just suddenly stop happening. Time to plan for that.

[numberonetrashcollectorus-blog]

Fort Johnson New York Cheap car insurance quotes zip 12070

"Fort Johnson New York Cheap car insurance quotes zip 12070

Fort Johnson New York Cheap car insurance quotes zip 12070

BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecost.xyz/index.html?src=tumblr 

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Fort Johnson New York Cheap car insurance quotes zip 12070

Fort Johnson New York Cheap car insurance quotes zip 12070

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Fort Johnson New York Cheap car insurance quotes zip 12070

Fort Johnson New York Cheap car insurance quotes zip 12070

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Whats the cheapest car insurance?

Whats the cheapest car insurance?

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Will having motorcycle insurance for a few years help lower auto insurance in the long run?

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Fort Johnson New York Cheap car insurance quotes zip 12070

Fort Johnson New York Cheap car insurance quotes zip 12070

Does a veterinarian get life insuranced?

does a veterinarian get health insurance?

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What is the cheapest van to insure for a young female driver with 2 yrs ncb?

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im male, nearly thirty and full no claims bonus i live in manchester""

Auto insurance company that wants me to pay upfront?

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Allstate insurance raising my rates. real or fraud.?

they have raised my rates twice in less than 6 months. my first months were 94 for the platnum plan then in november they raised to 98 and now in march they raised to 108. the say that the state of texas is raising rates for companies and thats why my rates go up. is this happening to anyone else. im in tx. im changing my plan as soon as possible. anyone have allstate that could advise.

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My friend has a 1990 Mazda B-2200 Club Cab 4x2 and he's paying $140 per month for insurance. I keep telling him that if he gets a new car his insurance rate will go down because of the safety features on that car. His truck has no ABS, airbags or any other safety features besides seatbelts. He's looking to get a 2008 Volkswagen Rabbit. Now the Rabbit has standard 4-wheel ABS, front, side and curtain airbags, traction control, etc. The price of the car is around $17,000-18,000 but he's still worried that he'll pay more each month. Is that actually true or am I completely wrong?""

""Lowest insurance with DUI, California?""

I just need to find out from real life members I did some checking around with the big companies and found out that Nationwide was cheaper Me 38 with the DUI my insurance went from $70 bucks to $89 a month. I think that is high and I only have the state minimum, which in California the department of motor vehicles pounds you. Anyone else can recommend someone cheaper. Before I checked with Geico, Allstate, Farmers, AAA, and Progressive, 21st century all liars. Also I know what happen Im taking responsibility so NO NAZI MADD responses.""

Do you legally have to declare having a medical cannabis card to your insurance company?

Does this prescription count just like every other medication? Do you legally have to declare having a medical cannabis card (or say that you use cannabis) to your insurance company? I live in California. My insurance is Blue Cross.

Will getting married affect me being on my parents car insurance?

Will getting married affect me being on my parents car insurance? My mom knows we are engaged my dad won't even know that until December. My husband and I just got married yesterday but our ceremony is not until August. I realized today I am on my parents car insurance. Am I still going to be on there or are they going to send a letter to them saying I am married or something? He already paid the premium until April 2012 with me on it so I don't think they can take me off til then? Maybe at the end of the 6 months I should tell them since I am getting married in 4 months I want to get my own car insurance since it wont be the full cycle done before I am married. IDK I just wanna know if the company will say your married daughter cannot be on your insurance??? I am kinda freaked out.

Where is the cheapest car insurance in the UK?

Looking for a really cheap car insurance quote in UK? Trying to shop around a little and wanna know if anyone has any ideas

Insurance rate after a crash?

Today, I accidentally rear ended a car. I'm 17. How long will my insurance rates stay up?""

Cost for car insurance for a teenager?

I'm 17 right now and don't really need a car (I do have a license though). When I'm 18 I will NEED the car to commute to and from college. How much is it going to cost to get insured - possibly to be added to a parent's plan? I've taken driver's ed, have a high gpa... what else can I do to lower the cost? PS. I'll probably be driving a 1995 Geo Metro.""

Short term car insurance (UK)?

I need to renew my car insurance policy soon but am going away in June for a year so cannot get a full years policy. My company has told me to take out a years policy then cancel it before i leave in June. Does anyone know of a UK insurance company that could give me a policy for just a few months to save me cancelling it later on. Thanks

How much does a chest X-Ray cost with no health insurance?

i've been experiencing pain in my chest, and i think i need a chest X-Ray. the only problem is, my insurance papers haven't gone through yet, and they won't for about a ...show more""

Car insurance for young drivers?

I've just passed my test. How do I set up young driver's car insurance?

What is the cheapest car insurance ?

Right what it is , i lost my license for a CD10, Which is driving without due care and attention , Yes i know what you are all thinking and i have learned my lesson, I appreciate that i do have to pay loads more on insurance but my question is does anyone know a company who does cheap insurance for a convicted driver, Many Thanks in advance""

What kind of insurance do I need as a teen?

I am looking for quotes and anchor insurance asks which insurance I want I have the choices of Liability only, Comprehension and collision and Comprehensive only""

How and where do i find 'cheaper' car insurance? UK?

Im 20 , female and I will be 21 by time I get a car (hopefully). I really don't know where to find cheaper insurance. I tried confused.com but the max price is 3000! my friends who are younger than me get it at like 1500 and I don't know why or how. Also if I offer to pay the insurance in one lump sum , would it be cheaper? I'm looking for a Vauxhall corsa between 1.1 and 1.2 or maybe even lower engine. What other ways to get a cheaper quote? Please help. Driving is all I ever wanted to do and I might have a chance at it in this summer.""

Insurance Cost Estimate For 16 Year Old With Sports Car?

How much would it cost to insure a 16 year old on Geico with a sports car compared to a sedan or something of that nature? To be more specific, what would be the average change in cost from a BRZ/FRS to a Hyundai Genesis sedan? I do not need exact answers, as this is impossible with the many factors. I just want to know if it will be like $30 a month difference or a couple hundred a month. Also, what you expect the cost of insurance on a new v6 mustang to be per month? 10 points to the best answer. Thanks.""

Cheapest car Insurance companies for younger drivers?

Does anyone know any car insurance companies in UK that are cheapest for first time young drivers. Im a 21 year old male and will be putting my parent as the second driver to reduce it. Im not asking for cheap car insurance, I know that doesnt exist. But Im just asking for cheaper insurance companies because some of them are asking for ridiculous prices like 6,7 grand. I only want a second hand Fiat Punto, please help I cant afford this its just too much. Thank you.""

Insurance deductible?

Someone rearended me and damaged my bumper.and my car did not start after that.I have insurance and she does too.wil I have to pay for any thing at all

What do you think is the best health insurance company in southern california?

i need to purchase individual coverage.

Does anybody know any Insurance Company sell GAP insurance for a car bought more than 12 months ago?

I bought my car nearly a year ago and I do not have a GAP insurance. I am thinking to buy this GAP insurance but the companies I have spoken to said they only sell for the cars bought within last 30 or 90 days. So if any of you know a company does in my situation that ll be very helpful. Thank you very much

Car insurance quote?

does anyone know a website that can give me an aprox car quote without having to go through all of the sign up etc process?

""What is the cheapest motorcycle insurance for a 23 year old??? Progressive, Geico, etc??""

I have had a few blemishes on my record, some tickets and an accident, but my state requires full coverage insurance on a bike that is not paid in full, what are your suggestions??""

Fort Johnson New York Cheap car insurance quotes zip 12070

Fort Johnson New York Cheap car insurance quotes zip 12070

https://www.linkedin.com/pulse/why-insurance-companies-under-obama-health-care-plan-allowed-black/"

[yourcertainstudentlight-blog]

insurance for newly licensed driver

"insurance for newly licensed driver

insurance for newly licensed driver

BEST ANSWER:  Try this site where you can compare quotes: : http://freeinsurancequotes.xyz/index.html?src=tumblr 

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How much will my insurance go up after being charged with hit and run on a parked car?

I recently was charged with hit and run on a parked car (for the record I didn't realize I hit the car), there was hardly any damage at all to either car but I am wondering how much I can expect my insurance rates to go up. Over 100%? Hopefully I won't be convicted as I really didn't notice that I scuffed this cars bumper.""

Health insurance for baby? PLEASE HELP.?

Me and my baby's father are not married. I am under my father's insurance. Baby's father has his own insurance that baby will be covered under. (Bluecross Blueshield) Do I need to contact Bluecross Blueshield before baby is born? Or do I have 30 days after birth to contact his insurance company.

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I'm a 16 year old boy and I'm getting ready to get my first car. My dad has given me options: 2003 Mitsubishi EVO 8, 2004-2005 Subaru WRX STI, or a 2003 BMW M3 E46? I was just wondering how much the insurance would be for each car.""

Average motorcycle insurance cost for 17year old male ?

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Pregnant w/o insurance.?

I am 6 weeks pregant and do not have insurance. I don't qualify for medicaid anymore because I make too much money, like 1000 over. The problem is that I can't work less or we can't pay our bills. Does anyone know how I can get insurance while I am pregnant??""

What sporty car can i get which is under insurance group 11?

I am only 19 years old so it cant be higher or insurance will cost a bomb. I like the Honda Civic type s although they might be slightly over my budget at 9000. I also like the Fiat Bravo 2007 T-Jet sport, but a bit worried about the Fiat reliability. The Ford fiesta ST is okay i suppose. Can you give me some sporty car suggestions please. I prefer hatchbacks. Thanks in advance.""

""Car insurance question, custom-built cars?""

I was watching a SciFi show where a company in Florida builds cars. From a welded frame, up! For street driving. Can you get insurance to drive such a car? You cannot say 'Ford, ...show more""

Auto Insurance Rates Increased for NO Reason?

I was in an accident where the other driver was negligent. However, we both have the same insurance company. It's been nearly a year and since I've been receiving the run around from them, I decided to get a lawyer. Once my lawyer contacted them, 2 weeks later my bimonthly bill went up about $15 (over $30/month). Keep in mind, that for nearly a year my rates remained the same but less than 3 weeks after my lawyer contacted them, up the rates went. Is this normal? Is this illegal? Should I inform my lawyer of this shady action?""

Cheap car insurance?

any one know where the best place to cheap car insurance, my dad is going to insure a car for me to teach me to drive, it needs to be in his name but i ned to be a driver on the policy.""

""I don't get insurance at all, like car insurance health insurance, etc?""

Yes, I know it is kind of a stupid question to ask but I really don't get it at all. I know there are different types of insurance like life insurance, health insurance, car insurance, but.... 1. what other types of insurances are there besides the ones i just listed? 2. does the insurance company pay for everything and do you have to pay them back? 3. how hard is it to find insurance? 4. what is the different between health and car insurance? 5. how do u get insurance? does it matter if ur poor or rich? THANKS! I know this is kind of random :)""

Gerber Life Insurance?

I'm currently pregnant, but I've received several pieces of mail about this life insurance. I was wondering if anyone has it and what they think about it. It seems like a good plan, but then again, life insurance for a 1 year old seems kind of strange.""

What are some really good auto insurance companies?

I just turned 18 and my parents are basically kicking me off the insurance. i need some good but affordable car insurance (full coverage) What insurance company are you with and about how much is it a month for 1 driver?

Selling my car without insurance?

Hi, I live in fayette county, lexington ky, and was wanting to sell my car, but on my local dmv website, it says I have to have a liability insurance, but I don't have one and can't afford it. What should I do?""

Can i pay for my car insurance weekly?

i am 20 years old and im finding it hard to get insured. is it possible for me to get insurance for a week and only use the car on the weeks that i insure it? it would work out cheaper for me that way because i would only pay insurance on the weeks i need the car... thanks

Is medical payments coverage needed in auto insurance?

How important is medical payments coverage auto insurance coverage. I currently have at as $10,000 coverage. Is this over kill? I have health insurance (HSA) that has a $5000 deductible per year, after that it's covered 100%. thx""

Where to Find Really Cheap Health Care Insurance?

I know a lot of sites that offer health insurance, but need to know really cheap health care insurance.Thank you in advance.""

What is no claims discount in car insurance?

What is no claims discount in car insurance?

Cheapest car to insure/ run in UK for a 21 year old female?

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Motorcycle Insurance?

My son has had his motorcycle in storage and has been paying insurance on it. He has had to pay for monthly insurance as if he had been driving it. Is this right?

Van insurance for 17 year old?

hey guys! im 17 and cannow drive, i want a volkswagen transporter van, any idea of the cost to insure it?""

Does anyone know if Nationwide insurance will raise your rates if you have a red car/suv?

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If you get a learners permit will your parents insurance go up?

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insurance for newly licensed driver

insurance for newly licensed driver

How much would insurance be on a 2005 Subaru Wrx Sti?

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Any 1 know a cheap insurance company??

im 17 and a provisional driver.i have jus bought a car because my test is soon. i want to insure my car as a learner and then change it to full license when i pass my test. is any 1 with a cheap insurance company?

How much would it cost for a 17 year old for provisional drivers insurance?

How much around, price brackets?""

How much (on average) is car insurance for a 16 year old?

I turned 16 a little while ago and my dad says he's gonna get me a car of my own! a nissan xterra!! (i LOVE them!) BUT... he said i have to pay all insurance and gas money... I was wondering how much, on average, that will cost? I have about 25% off because of the driver's ed i took and also another 10% or 15% off for good grades If anyone has an idea, I would greatly appreciate it!""

Insurance help plzzz???!!!!?

could someone please describe both perfessional indemnity and public liabilitiy insurance???? thankyou very much

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DO YOU NEED ANY TYPE OF LICENSE TO PROCCESS AN ENDORSEMENT ON AN INSURANCE POLICY?

FIRE CASUALTY LICENSE ??? TO PROCESS A CHANGE OR QUOTE ON AUTO INSURANCE?? IN THE STATE OF CA

""Insurance estimate on Integra, Mustang?""

Hey. So I am getting my first car in a couple months, and my dad said I could choose which car, but keep it in a low price range. I've always liked Integras, since I was little, and I always wanted it to be my first car, so thats in consideration. And my dad said get a mustang. I would like to know how much insurance is on each? The cars would be- Acura Integra 1996-2001 (LS, RS, SE, GS) Under my dads name (age 50) I would be secondary driver Silver or black or white Roughly 150k miles Maybe 25 miles a day Would buy used around 2000$ - 4000$ Im aware its a luxury car, thus insurance being a tad more expensive How much would you think insurance would be? We have Progressive but I just want a estimate - Maybe like the average of how much people with integras pay for insurance. Mustang 2004 Under my dads name (age 50) I would be secondary driver Black or silver Maybe 100k miles 25 miles/ day Used around 4000$ - 5000$ Not luxury, but its a sports car, Im guessing insurance is more expensive for it Anything will help :)""

Car insurance. Help!!!!!!!!!!!!!?

I pay $177 for just liability with progressive through my mom. I need a cheaper insurance so I wanna switch. I've never dealt with this before so do I get one agent or do I have to get agents from each insurance company to find out which company would be cheapest?

What is a good and cheap insurance company for young drivers ?

What is a good and cheap insurance company for young drivers ?

Where can I get affordable health insurance for an infant?

I'm having a baby around the first week of December, and I need to figure out how best to set up health insurance for her without going bankrupt. I looked into Blue Cross Blue Shield of Florida, and to be eligible for a child-only plan, the baby has to be atleast one year old. For us to get a family plan the cost is absolutely through the roof, more than our monthly income, and even then the child is only covered from 6 weeks of age. Does anyone know of any companies that will insure a baby from birth, without the parents having to be insured? I'm giving birth at a birthing center, and one of the terms of care is that I have to take the baby to a pediatrician within 72 hours of birth. No decent pediatrician will accept us without insurance. I think we may actually be eligible for Medicaid, but I don't want to go that way because high quality doctors don't accept that around here. So can someone please suggest a company that I can go to to insure my baby affordably, in Florida.""

About how much would it cost to for a year of car insurance for a 17 year old in new york?

I am planning on getting a used 2001 Mercedes-Benz C-Class C320. Before I buy the car I will have a senior license and will have taken drivers ed and a defensive driving coarse.

Does having a coupe make your insurance go up?

I'm am planning to get a Honda civic and i was wondering if have a coupe would increase my insurance rates ...... and also does having that same car in red make it go up too ??? thanks for all the help :D

What coverage to get for car insurance for my son with ' L'?

what coverage to get for my car insurance , my son jest got his L. so what insurance coverage do i need to add to my car if i want him to drive it whit me , because I'm afraid if a crash happen. I live in british consulate vancouver ( ICBC ) this is the web site of the company (http://icbc.com/) so please help me .""

Why did my insurance company call me?

I received a call today from my JOB PROVIDED Health insurance company. The representative asked me a number of questions about what I have done about my epilepsy and what medications I am currently on. Why did they call me? My mother said that they do this to determine if they are going to drop you or not. Can they drop me even though it is provided threw my job?

How Much is Insurance For a 16 Year Old Girl?

16 year old girl Good school attendance record.Grades could be better. Dallas,Texas. Hispanic(If that matters) Mom and Stepdad have Allstate insurance What is the general price range? And for these cars,can you estimate(I'm NOT getting these cars just curious)I am getting a used Dodge avenger though!(: 2008 Dodge Charger 2010 Chevy Camaro 2008/2009 Dodge Avenger I already asked this in the insurance section but I want more opinions/answers""

Best Insurance for Speeding Tickets?

I will be getting married in a month and need to get new car insurance. What insurance companies offer the best rates for people with speeding tickets? I have 2 speeding tickets, and my fiance has 2 accidents on record... any suggestions of the best places to start looking?""

Proof of Insurance (NJ)?

Today, while driving home from school, an officer stopped me. I pulled over and proceeded to give him, my license, registration, and insurance. However, I was not given a ticket for speeding, but for failing to produce insurance. He told me that copies of insurance do not count, yet I gave him not only a copy, but the original which had been torn. Will I be charged with failure to produce insurance, even though I had a copy, and the torn original ?""

Where can I get an insurance quote?

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""Has anyone heard of this company Affordable Health & Benefits, LLC.?""

I'm looking to get health, dental, and vision insurance. I looked online at a couple sites and found this one. It looks really good but I'm a little worried it might be a scam ...show more""

What is the payment you make to the insurance company called?

***Auto Insurance

Do i need insurance for a project vehicle?

I am looking to get a project car to build until i can drive do i need insurance

Why are my insurance quotes so high?

I live in New Jersey, Plan on buying a 2012 mazdaspeed3. I am 18, which of course will make my policy higher. Currently, my car insurance runs around 300/mo on my parents policy. I cannot join their policy with the new car as it will be registered to me. The following are the rates ive been quoted Progressive - 6 month policy, $5,000 + $1,200 due at start-up Cure - 6 month policy, 6,200 + 1100 due at start-up Liberty Mutural - 6 month - 5200 + 1500 start plymouth rock - 6 month - 2,2009 + 679 start Why are these all so expensive? and why do they only offer me 6 month policies? thanks in advance!""

insurance for newly licensed driver

insurance for newly licensed driver

What is the average cost of mobile home insurance in California?

What is the average cost of mobile home insurance in California?

Cheap ohio auto insurance?

hi! does anyone know what some of the cheapest auto insurance companies are in ohio?

Can I get anything from the insurance company of the guy who totaled my car?

My car was totaled while parked. My insurance will pay blue book value for my vehicle, which is less than what I owe and I don't have gap insurance. Now I am jobless and w/o a car, but needing one ASAP to go to school. Can I get anything from the insurance company of the guy who totaled my car?""

Any recommendations for student health coverage?

I am a sophomore in college, living on my own, and I barely have enough money to get by at the moment. When I get a roommate though, I want to start up health coverage because I know it is very important. Does anyone know of any health insurance companies in California that either offer a health plan for students, or know of something that would be adequate coverage for someone my age in their early 20's? Thanks so much for any help you can give me!""

How does the affordable care act apply to me?

Right now, I live with my Mom and she earns about $120000 per year. I work and earn about $22000 per year.""

HElp With A PROJECT on CAR INSURANCE!?

ok so i have a project and all the car insurance places are closed and i can't finish it! so umm can anyone help?? this is all the information i have, i just need an estimate for a monthly payment 1996 eagle talon married couple 25 years old driver low milage on car car is paid for, goood driving history car is used for job too for dilivering pizza live in florida umm if you need any more information let me kno please helpp worth 20% of final grade in class!!!!""

Can I put car insurance in someone else name when financing a car?

Im gonna be financing a 04 mustang soon. Thanks.

""If you crashed your car into someones, how much would insurance pay out?""

Assuming the cost is 18,000, most of it being for injuries the other party claims to have (<1000 bucks in damage). How much would insurance pay and how much would i have to pay? No damage to my own car. No need for insurance after this because I dont think im going to drive again after hearing the cost. I cant call the insurance company unforunately. Do you think I would have to pay all of it? I had full coverage.""

What is the cheapest insurance for a road trip around europe?

3 guys, age 19, 3 weeks in august, had licenses for a year, driving a small car. Anyone know what company would be the best to look at? And im fed up of looking through comparison websites :P""

Do you need car insurance to get your permit in New jersey?

Do you need car insurance to get your permit in New jersey?

Can I be put on my parent's insurance for a separate car?

I need to get insurance on my car so that I can drive it without risking anything. My parents use Allstate, so I went to their website to see about how much it would be to get insurance. I found a nice monthly payment of $108, but the down payment was over $500! I drive a crappy old car that I payed for less than that. Can my parents add another car with the insurance in my name, put me under their policy for a different car, etc. at a lower price than that? I wish it were so much easier for things. All I care for is liability, so would it be possible to just piggyback off their policy?""

Question on using to insurance to pay for something?

if i went to the doctors and used insurance to pay for it would my parents get a statement that says i used it and what it was for ?

Where can a person find affordable health insurance...?

...in Illinois if they are single, childless, and with low income?""

Help with car insurance?

It's my 17th birthday tomorrow, I am going to use the money I get for drivin lessons. But what I want to know is; Would I get insured on a range rover sport at my age and how much would it cost? This is the car I really want but I don't know if I'd get insured for it. I don't mind waiting, but if I can drive one now thatd be great! Thanks :)""

What is the average insurance cost for Mopeds/Scooters?

Im 18 and im looking to buy a moped or scooter and im just wondering what I should expect to pay on insurance. 50cc/125cc - 3rd Party. If I was to pay monthly, would 20/month be a reasonable estimate?""

What type of insurance/coverage do I need to purchase from a car rental company?

I want to rent a car for 24hrs from either Hertz or Enterprise. I dont own a car therefore I dont have car insurance of my own. I already have to pay under age 25 fees, so I really don't want to be be up sold coverage that I don't really need. So if anyone could tell me exactly what coverage ill need to purchase from the rental company, if any, that would be great.""

Affordable Health insurance in CA ?

I'm looking to buy health insurance in CA. my income is 10,000$ a year and because i only work part time. i applied for Medical few months ago through welfare office, but my case worker was really mean he was asking for a lot of documents in order to approve my application and every time i go to the welfare office they make me wait for 4 hours.so i decided to look for health insurance through Obama care website but i found that planes that cost 100$ and below doesn't cover even 30% of the medical expenses. any ideas about getting affordable health insurance in CA with good coverage ??? Thank you""

Need cheaper car insurance?

right now im paying 388 with a company called dairyland insurnace. i have points on my license right now. and it is killing me. the car is a 06 dodge stratus. should i raise my deductible? switch to aig insurnace. this is just way too much. the lowest id prefer to go is 300 even. anyone know any good companies or the best way to find cheap insurnace . should i look in the yellow pages and not the net

Hit and run but the victims car didnt have insurance?

ok so i was in a private parking lot and i accidently scratched another car i left because i was stupid and got scared. the cops came and found me the next day and i got charged with ...show more

Does cheap health insurance exist?

I relocated because my wife found a better job but problem is I don't have insurance now my current job doesn't offer it and I can't jump on hers for like a year. Is there such a thing as affordable insurance as in under $150 a month for basic doctor visit co-pays and rx?

Does it cost more to insure a car with no airbags?

I was thinking of buying a 1986 mustang gt, which has no airbags, would that affect the cost? I was going to put aftermarket Sparco front seats with 4 point safety harnesses in for safety, also would that decrease the insurance rate since I'd be making it safer? Or is it just dependent on car, age, etc.""

Motorcycle insurance?

I live in the city of toronto but have a cottage up in peterborough. I got an insanely ridiculous expensive quote if i ride in the city, so i was wondering if i can get my insurance policy under my cottage address because i will likely just be driving it up in peterborough throughout the summer.""

What car insurance do you like?

Do you LIKE your car insurance company and if so, who do you use? I want to leave Farmers.""

Can car insurance companies check if you drive another car ?

if you get a car insurance quote and you say you have access to another car in your information is there any way they can check ? I have just renewed my car insurance and noticed that it was cheaper when i said i had regular use of another car. The thing is i do have use of my brothers car but im not an actual name driver on the insurance. My brothers car is fully comprehensive and thinks that anyone can drive the vehicle. Is this true ? i dont get how my insurance company are going to catch me out if im driving my brothers car without any mention of my name on his insurance

How much do vision insurance cost per month?

I'm looking into vision insurance and I don't know how much it cost each month. Does anyone have any experience here that can tell me?

insurance for newly licensed driver

insurance for newly licensed driver

Rental car insurance -- what does it cover?

We are going to Vegas in a few days and are renting a car. Since this car is going to be in and out of parking garages, I think it's a good idea to buy the rental car insurance @ $ 10.99 a day. Say while the car is in the parking garage and someone scratches or dings the door, would this insurance cover it? That's all I'm really worried about.""

Can you borrow or withdraw from your life insurance policy?

This is an absolute last resort & all other options have been weighed. This person is on the brink of homelessness and it is against everything she believed in to borrow this money. Unemployment ran out, health is bad and disability will takes months after she applies. In the meantime bills, rent, car insurance etc still must be paid. Utilities have been shut off. It's a living nightmare. Like I said this was the very last resort. If she can borrow this money how long before she receives a check?""

Penalty points and insurance?

if i take out insurance with no points on my license then a couple of months later get 3 points for a ts50 do i have to contact my insurance company to tell them or not?

Health insurance for my to be step son...?

my boyfriend wants to get his son health insurance but not himself. I think he should insure both his son and himself but he doesnt want to. He wants to wait until we get married and ...show more

How much does boat insurance cost on average for a 28ft boat?

How much does boat insurance cost on average for a 28ft boat?

Car insurance confusion?

Hi i'm 18 and my driving test is coming up soon and i always look for quotes on cars to see for the future. My mum said she will possibly give me her car and get a new one if i pass. But on insurance quotes for the car i will be getting i will be the main driver but not the policy holder or registered keeper as i still live at home with her and she will still use the car to go shopping and things like that but I will drive that car the majority of the time. So because i am the main driver on this quote and will drive it predominantly it is not fronting? However my mums no claims will be put on this quote as opposed to her other car so is that still ok? And who will get the no claims bonus at the end of the quote the main driver or the policy holder and if its the main driver will my mum still be able to use her no claims on another car if i gain my own? Sorry for all the questions i just want to make sure i'm not going to be breaking the law on any possible quotes i may take out Thanks in advance.

Pennsylvania car insurance prices?

We are contemplating moving to PA. What are the car insurance rates like there?

How much car insurance do I need?

I have a 2007 Honda Element and live in an area where people drive really expensive cars on a regular basis (i.e. Tesla's, custom Mercedes', Porsche's, Lotus'...). Also, Elements tend to need windshield replacements a lot. I will be driving children around as well so I need sufficient coverage for that. I was basically just curious about how much coverage I need because I'm getting the feeling that I have too much coverage therefore am paying too much. Currently my coverage is: -Bodily Injury: 100,000/300,000 -Medical Payments: No Coverage -Uninsured Motorists: 100,000/300,000 -Property Damage: 100,000 -Comprehensive: 100 -Collision: 500 -Auto Death Benefits: 15,000""

How much would my insurance cost? Or about how much. (Info listed in detail)?

Age: 17 Gender: Female Car type: 1984 chevy silverado side steps. Sitting on 35s. Jacked up. I HAVE taken Drivers Ed I will be added onto my dads insurance Any more info needed just ask.

Is it possible to get affordable life insurance and dental insurance if i am not employed?

.........and if so, roughly how much money would this cost per month?""

Suggestions for health insurance.?

I'm an owner operator truck driver which a means I need to get my own health insurance. I'm seeking the best coverage for the money.

Car insurance for young drivers ?

Hi there, ive completed multiple quotes for car insurance and the figure are coming out extremley high, as in 5000 a year on a 1.1 litre 2000 peugeot 206 LX 3dr, and i am a 17 year old male. i would like the policy to be in my name for my NCB but i have also added my mum and dad as named drivers as ive heard that decreases price, does naybody know any cheap car insurance places which icould go to for a cheaper quote. 5000 for a 1.1 litre peugoet is ridiculous !! Thanks""

""I touched a car bumper when i was backing, how much that would affect my insurance?""

I touched a car bumper when i was backing, how much that would affect my insurance?""

Car insurance for students at uni?

Im going to uni in september and my car insurance is also up for renewal, i will be leaving the car at home while away but will want to use it over holiday periods and the occasional weekend. Does anyone know of cheap companies who offer insurance for short periods of time while its driven?""

Car insurance questions (Still on parent's plan)?

I have a few questions... Is there a set age where I can no longer be on my mom's car insurance? Or is it completely up to her? For example can two adults (both in their 40's) be on the same insurance? I am 19. I currently live with my mom. If I were to move out, can I still be on her insurance? If I don't go to college, can I still be on her insurance? I heard you need to be a full time student to be on a parent's insurance? If I were to buy a car, would it have to be in her name?""

""If I had a company, and I had to pay for car insurance out of the capital...?""

Would the car insurance be counted as an 'expense', 'liability', or an 'overhead'? Also, if possible, could you provide an explanation as to what each term means exactly? Many thanks! :-)""

How much should i expect to pay for insurance on a ferrari?

Or any other exotic car

Which of the following might put you in the high risk insurance category?

a. ticket for drinking in public b. ticket for speeding 80 in 55 mph zone c. ticket for jaywalking d. 2.0 grade point average...(ofcourse not!!)

IS THERE A LISTING OF CAR INSURANCE COMPNANIES?

IS THERE A LISTING OF CAR INSURANCE COMPNANIES?

And why does an auto insurance co. want to know this??

Why when I am getting quotes online for auto insurance do they ask for my marital status and even have a spot for single parent. Would I get a better quote if I said just single? Am I penalized for being single. I'm no kid; I'm over 40.

Am i stuck paying for my teens car insurance if their father doesnt want to pay it?

We both have joint physical and legal custody and we both live in california.

How much longer will americans put up with health insurance companies?

when will Americans demand an end to insurance companies involved with healthcare? how much longer will Americans put up with insurance companies having more control then doctors on medical choices?

A question about car insurance?

whats your opinion, why car insurance is so high?. do you think the accidents on the road and up goes your insurance are young drivers, drunk drivers, junk cars on the road, or do you think its something else?i been driving since 1967 and i was in only 1 accident, so thats a pretty good record, i think, but iam going to town tomarrow, and i dont know whats going to happen before i get back home. anymore, iam always glad when iam back home, and off the road, but i guess your not even safe walking along the roads these days.thanks folks.""

Where can a single mother with 2 kids (21 18) get low cost health insurance?

My parents have recently divorced. My father is moving back to Ireland and has to quit his job. My mother, brother, and I were covered under his insurance. But once he leaves the country our insurance will cease. My mother works at home and does not make very much money. We are looking for coverage for the three of us that is not expensive and very low cost as we do not have the means to afford much. We only need it for about a year as I will be graduating and teaching full time as a NYC teacher by next September. *My brother is legally blind, but other than that there are no serious health issues and none of us are tobacco users. *We are hoping to get insurance that would cover quality licensed professionals. *We understand in this economy you get what you pay for, But we honestly do not have much. We are hoping for something affordable without being skimmped on coverage. Thanks :-)""

Baby insurance?

I currently have insurance through AmeriGroup in TN, and i was wondering if i have to get the baby their own insurance before they are born? does anyone know anything about this? my husband and i were a little surprised to be pregnant, and so our maternity insurance didnt kick in and we will not be able to add the baby to it.""

insurance for newly licensed driver

insurance for newly licensed driver

https://www.linkedin.com/pulse/someone-ran-red-light-i-hit-them-didnt-even-have-license-woodward/"

[marie85marketing]

1x vs. 10x: The Little-Known Reason Why Your Campaigns are Failing

A/B testing works… some of the time.

Barely. A tiny bit. If you’re lucky.

And when it does, a 1% increase to show to bosses and clients is what you’ll get.

That’s a problem. Because how much time did that 1% cost you? How much effort did you exert chasing it?

All that time and effort, largely wasted, when you should have been ignoring the 1% increases and focusing on the 10% ones like these instead. Or leveraging your time 1x instead of 10x.

If you’ve got a big staff and a big budget, 1% might cut it. But not for everyone else. Not for you or me.

We need more. Way more. And doing ‘more of the same’ will only get you more of the same.

Here’s why. And how to fix it.

Why a ‘Middle Class Mindset’ is Sabotaging Your Marketing

Most experts agree that there’s one critical difference between rich people and poor people.

It’s not inheritance. (Thanks for nothing, mom and dad.)

It’s not the stock market. (Because that’s glorified gambling.)

And it’s not real estate. (Because it can be a cost suck instead of an investment.)

It’s your mindset.

Corny, right? Like some new-age, hippy, The Secret thing.

But there’s some truth to it. Here’s why.

“The first thing you have to do is decide to become a millionaire, multimillionaire, or billionaire if you want. … Then you must reinforce that decision, over and over,” according to a CNBC paraphrasing of sales expert Grant Cardone.

Grant is the author of The 10X Rule, which basically says most of our problems stem from the fact that we’re thinking (and therefore acting) too small. And too infrequently.

It’s not so much the pie-in-the-sky ideals. But the mental exercise that forces your daily activities to change course in order to meet a new ‘standard’.

Keith Cameron Smith, a personal finance author, spent two years working closely with ultra-rich people and noticed a similar distinction. According to the same CNBC article:

“The biggest difference Smith observes between millionaires and the middle class is how they frame their circumstances and present information to themselves. While millionaires ask themselves empowering questions, the middle class tend to lean toward disempowering ones.”

He goes on to clarify, “Empowering questions cause you to reach for your full potential. The questions you ask yourself determine the results you get in life.”

And then brings it home with, “Millionaires are more creative than reactive.”

Author Steven Siebold equates this to a difference in worldview. A different understanding of the work ‘risk’. One group is playing offense while the other plays defense.

“Step out of your comfort zone. Look at all your options. You will have to be at least a little uncomfortable if you want to become rich. You might even have to fail and that’s great, because if you’re not failing, you’re not doing much.”

That warm and fuzzy ‘mindset’ difference is typically referred to as a middle class mindset. One that’s full of limitations and self doubts and ‘invisible scripts’ as Ramit Sethi calls them.

One classic? The “stop buying $4 lattes and avocado toasts to get rich” example. The problem with this one, though, is basic match.

Here’s Ramit running the numbers:

“No amount of saving avocados is getting you a house. The median price of houses listed in America is $245,000. (Laughable, since the median price of an apartment in NYC is over $2 million, but just go with it.) If you want a 20% down payment on that $245,000 house, you’ll need to cut back on 2,578 avocado toasts. At one $19 toast per week, that would take you 49 years to save a 20% down payment.”

I don’t know about you, but I sure as hell don’t have 49 years. Hell — we work in technology. Most of us will have a heart attack by then.

The ‘middle class mindset’ is like the story of Icarus. Fly too close to the sun and you’ll get burned. Instead, keep plugging away at what you’re comfortable with. What comes easy. That way, you won’t miss Happy Hour on Friday.

You might be pessimistic right now. You might claim that these cited gurus are all trying to ‘sell you the dream’ so that they can literally sell you the dream.

You’d have a point. And you’d also be missing the point.

Because this same illusive ‘mindset’ phenomena applies to marketing as well. Even Seth Godin weighs in:

“The 10x marketer understands that the job isn’t to do marketing the way the person before you did it, or the way your boss asked you to do it. Strategic marketing comes from questioning the tactics, understanding who you are seeking to change and being willing to re-imagine the story your organization tells. Don’t play the game, change the game.”

The point here is that plugging away at tiny tactics — the ones that make a 1% difference instead of 10% difference — keeps you from doing the work the matters. The work that moves the needle.

And it’ll keep you firmly positioned in the (marketing) poorhouse.

I’ve personally seen this in my own work. Most of my failures (and there are LOTS to choose from) are the direct result of wasting too many hours chasing 1% improvements. When I should have been focusing on 10x ones.

That’s like tweeting once or twice a day. Not enough to ever break through the noise.

Image Source

Or dashing off 500-1000 word blog posts. Which simply doesn’t cut it anymore.

Here’s why.

Skyscrapers: The Difference Between 1x vs. 10X Marketing

The Skyscraper Technique debuted only a few years ago.

And yet most (good) marketers know it by name. They’ve read the case studies. Experimented with it at least once or twice. Have read the initial article on the topic.

(Yes. It’s a Skyscraper about Skyscrapers. Because every good marketer Google’s 200 Ranking Factors: The Complete List. And how after executing this new technique, results took off.

First, backlinks:

Image Source

Then organic search visits:

Image Source

Then referrals:

Image Source

Look at those numbers. Up-and-to-the-right graphs that would make everyone unanimously agree.

And yet, that success shouldn’t be surprising. Not when you consider a few facts. Here’s Brian again with two key points about how search engines work.

(Yes, I’m laying all of the blame with Brian.)

The number of domains linking to a page (backlinks) correlated with rankings more than any other factor.

“Topically relevant” content outperforms content that doesn’t cover the topic in-depth.

And longer content performs better in Google (average first page results average 1,890 words.

So. You want results? You want 10x the benefits in new backlinks, traffic, and sales?

It’s gonna require 10x the work.

Just the simple act of blogging today demands it. A single blog post might take all day to write.

Or longer.

Want to write about increasing traffic? You better first do the amazing client work, then create processes to repeat it, then create custom graphics and videos to better explain that process to new people.

Want to write about hosting companies? You better sign up for each one, put up test websites, and monitor their performance for months before writing that review.

In other words, what’s the point of publishing a few random, ad-hoc 500 word posts when only excellence is rewarded?

Answer: there isn’t any.

Which is why you need to avoid 1x marketing ideas at all costs.

3 Ways to Avoid 1X, ‘Middle Class Marketing Mindset’ Once and For All

1. Aim for 10x Quality

Last year, Unbounce published an epic Presidential Teardown of the two candidates campaigns (from a conversion standpoint), written by my writing man crush Aaron Orendorff (I mean that in a purely platonic way of course).

The goal was to treat it — this single blog post — like a stand-alone campaign.

Typically Unbounce will see anywhere between 500-800 new visits on a blog post. But this one? 4,513.

It’s been shared over 6,000 times. And been picked up by both Inc. and the Huffington Post (HuffPo, or whatever stupid name they’re going by these days).

Not bad, right?

The post was also over 6,000 words long. It tooks hours and hours and hours of research. They looped in influencers from the very beginning. Created a custom PDF for it. And even designed custom blog assets to fit the theme of the page.

Image Source

Not to mention a well-thought out, strategic distribution plan once the post went live.

In other words, this massive runaway success was no accident. It was created to be the single best resource on this topic. It was 10x from the get-go.

The problem, of course, is that producing something like this is insanely resource-intensive. Super time consuming. Not to mention, expensive when you consider the number of people all working together to make it a reality.

In other words, before you’re able to feasibly move forward on something this ambitious, you gotta free yourself up by cutting back in other areas.

2. 80/20 Your Own Activities

Recently I had the privilege to interview Ty Magnin of Appcues with Brian Sun of Autopilot.

A recurring theme that kept popping up throughout his work and life was “fewer things done better.”

So he’d work on campaigns for weeks or months. Only to kill them off because the work wasn’t up to his admittedly high quality standards.

Their email newsletter was a perfect example. Initially, it was a long-ish email that contained a bunch of curated links and even a joke.

Image Source

But Ty wasn’t impressed with his own curation of the posts. He thought it was “a little weak.” It wasn’t excellent or best-in-class.

So he killed it off, instead switching their emails up to a simple text-only email when new blog posts went live.

Image Source

It’s not like the original email sucked or anything. But from Ty’s vantage point, it was merely average. And average isn’t good enough.

This change in format gave him back a few hours a week to devote to making something else excellent.

This is a point driven home by Perry Marshall’s 80/20 Sales and Marketing.

Ya’ll know the drill. You know how this works.

He asserts that there’s an “extreme inequality” is most things. Like your expenses, product defects, profitable customers, and of course, your marketing and sales activities.

The goal is to figure out which 20% of your day delivers the 80% of backlinks, traffic, signups, and purchases. Then continually exploit it.

By creating processes.

3. Think Processes. Not One-Offs

Doing 10x, one-time, is good. You’ll see the benefit. But then the results will tail off. Revenue or traffic will regress to the mean.

The only way to steer the ship forward is by putting plans into place to carry out that same level of output again and again and again.

But in order to do that, we just learned you gotta give something up. Like ditching hacks in order to chase scale.

We’ve also just seen that the ‘content quality bar’ is rising. Therefore, the time it takes to replicate is also rising.

Image Source

Which means you need to figure out a way to constantly refine your ‘content creation process’ in order to (1) continually increase the quality while somehow also (2) decreasing the time it takes to produce it.

Impossible? Perhaps. If you’re still stuck on 1% improvements.

But let’s imagine:

If you had to do 2,000+ word posts daily (or longer), what would that require? What would need to change or happen in order to make that a reality?

You’d start by finding awesome resources and creating cheat sheets for yourself to save time on coming up with little, mundane things like a headline.

You’d have to figure out workflows in advance, for how a piece of content transitioned from idea, to:

Research

Prep

Writing

Editing

Production

Publish

Promotion

At each step along the way, you’d have to drill down with checklists so that each ‘task’ took the least amount of time possible. No matter how minute.

That way, you could enlist more people to help and free yourself up to focus on where you excel within the process.

Then your content production could look like a well-oiled machine, moving seamlessly from one step to the next. Pre-loaded with instructions, due dates, and responsibility assignments along the way.

In other words, you’d have to start by changing your mindset. Start by changing the way you think about how success flows.

Which would then force you to change the amount of work and effort and attention and output needed in order to make it happen.

Conclusion

Too often, we’re sold a party line.

We spend our whole lives learning to follow instructions. When instructions are only good enough to give you average. What worked before. Historically. In the past.

The stuff that gets you a 1% improvement over what you’ve been doing.

But if you’ve ever started anything new — no matter if it’s a project or a post or a position or a company — you’ll quickly realize that 1% is never good enough. You need 100x to make a dent.

The trick is to start out searching for the BIG improvements. Not because you’re self-deluded. But because it will require a BIG change in the stuff you’ll need to do in order to hit that lofty goal.

You’ll have to dissect and rearrange and reorient what’s possible in order to bring it into fruition.

Then, even if you fall short, you’ll still be miles ahead of 1% in the long run.

About the Author: Brad Smith is the founder of Codeless, a B2B content creation company. Frequent contributor to Kissmetrics, Unbounce, WordStream, AdEspresso, Search Engine Journal, Autopilot, and more.

[samiam03x]

1x vs. 10x: The Little-Known Reason Why Your Campaigns are Failing

A/B testing works… some of the time.

Barely. A tiny bit. If you’re lucky.

And when it does, a 1% increase to show to bosses and clients is what you’ll get.

That’s a problem. Because how much time did that 1% cost you? How much effort did you exert chasing it?

All that time and effort, largely wasted, when you should have been ignoring the 1% increases and focusing on the 10% ones like these instead. Or leveraging your time 1x instead of 10x.

If you’ve got a big staff and a big budget, 1% might cut it. But not for everyone else. Not for you or me.

We need more. Way more. And doing ‘more of the same’ will only get you more of the same.

Here’s why. And how to fix it.

Why a ‘Middle Class Mindset’ is Sabotaging Your Marketing

Most experts agree that there’s one critical difference between rich people and poor people.

It’s not inheritance. (Thanks for nothing, mom and dad.)

It’s not the stock market. (Because that’s glorified gambling.)

And it’s not real estate. (Because it can be a cost suck instead of an investment.)

It’s your mindset.

Corny, right? Like some new-age, hippy, The Secret thing.

But there’s some truth to it. Here’s why.

“The first thing you have to do is decide to become a millionaire, multimillionaire, or billionaire if you want. … Then you must reinforce that decision, over and over,” according to a CNBC paraphrasing of sales expert Grant Cardone.

Grant is the author of The 10X Rule, which basically says most of our problems stem from the fact that we’re thinking (and therefore acting) too small. And too infrequently.

It’s not so much the pie-in-the-sky ideals. But the mental exercise that forces your daily activities to change course in order to meet a new ‘standard’.

Keith Cameron Smith, a personal finance author, spent two years working closely with ultra-rich people and noticed a similar distinction. According to the same CNBC article:

“The biggest difference Smith observes between millionaires and the middle class is how they frame their circumstances and present information to themselves. While millionaires ask themselves empowering questions, the middle class tend to lean toward disempowering ones.”

He goes on to clarify, “Empowering questions cause you to reach for your full potential. The questions you ask yourself determine the results you get in life.”

And then brings it home with, “Millionaires are more creative than reactive.”

Author Steven Siebold equates this to a difference in worldview. A different understanding of the work ‘risk’. One group is playing offense while the other plays defense.

“Step out of your comfort zone. Look at all your options. You will have to be at least a little uncomfortable if you want to become rich. You might even have to fail and that’s great, because if you’re not failing, you’re not doing much.”

That warm and fuzzy ‘mindset’ difference is typically referred to as a middle class mindset. One that’s full of limitations and self doubts and ‘invisible scripts’ as Ramit Sethi calls them.

One classic? The “stop buying $4 lattes and avocado toasts to get rich” example. The problem with this one, though, is basic match.

Here’s Ramit running the numbers:

“No amount of saving avocados is getting you a house. The median price of houses listed in America is $245,000. (Laughable, since the median price of an apartment in NYC is over $2 million, but just go with it.) If you want a 20% down payment on that $245,000 house, you’ll need to cut back on 2,578 avocado toasts. At one $19 toast per week, that would take you 49 years to save a 20% down payment.”

I don’t know about you, but I sure as hell don’t have 49 years. Hell — we work in technology. Most of us will have a heart attack by then.

The ‘middle class mindset’ is like the story of Icarus. Fly too close to the sun and you’ll get burned. Instead, keep plugging away at what you’re comfortable with. What comes easy. That way, you won’t miss Happy Hour on Friday.

You might be pessimistic right now. You might claim that these cited gurus are all trying to ‘sell you the dream’ so that they can literally sell you the dream.

You’d have a point. And you’d also be missing the point.

Because this same illusive ‘mindset’ phenomena applies to marketing as well. Even Seth Godin weighs in:

“The 10x marketer understands that the job isn’t to do marketing the way the person before you did it, or the way your boss asked you to do it. Strategic marketing comes from questioning the tactics, understanding who you are seeking to change and being willing to re-imagine the story your organization tells. Don’t play the game, change the game.”

The point here is that plugging away at tiny tactics — the ones that make a 1% difference instead of 10% difference — keeps you from doing the work the matters. The work that moves the needle.

And it’ll keep you firmly positioned in the (marketing) poorhouse.

I’ve personally seen this in my own work. Most of my failures (and there are LOTS to choose from) are the direct result of wasting too many hours chasing 1% improvements. When I should have been focusing on 10x ones.

That’s like tweeting once or twice a day. Not enough to ever break through the noise.

Image Source

Or dashing off 500-1000 word blog posts. Which simply doesn’t cut it anymore.

Here’s why.

Skyscrapers: The Difference Between 1x vs. 10X Marketing

The Skyscraper Technique debuted only a few years ago.

And yet most (good) marketers know it by name. They’ve read the case studies. Experimented with it at least once or twice. Have read the initial article on the topic.

(Yes. It’s a Skyscraper about Skyscrapers. Because every good marketer Google’s 200 Ranking Factors: The Complete List. And how after executing this new technique, results took off.

First, backlinks:

Image Source

Then organic search visits:

Image Source

Then referrals:

Image Source

Look at those numbers. Up-and-to-the-right graphs that would make everyone unanimously agree.

And yet, that success shouldn’t be surprising. Not when you consider a few facts. Here’s Brian again with two key points about how search engines work.

(Yes, I’m laying all of the blame with Brian.)

The number of domains linking to a page (backlinks) correlated with rankings more than any other factor.

“Topically relevant” content outperforms content that doesn’t cover the topic in-depth.

And longer content performs better in Google (average first page results average 1,890 words.

So. You want results? You want 10x the benefits in new backlinks, traffic, and sales?

It’s gonna require 10x the work.

Just the simple act of blogging today demands it. A single blog post might take all day to write.

Or longer.

Want to write about increasing traffic? You better first do the amazing client work, then create processes to repeat it, then create custom graphics and videos to better explain that process to new people.

Want to write about hosting companies? You better sign up for each one, put up test websites, and monitor their performance for months before writing that review.

In other words, what’s the point of publishing a few random, ad-hoc 500 word posts when only excellence is rewarded?

Answer: there isn’t any.

Which is why you need to avoid 1x marketing ideas at all costs.

3 Ways to Avoid 1X, ‘Middle Class Marketing Mindset’ Once and For All

1. Aim for 10x Quality

Last year, Unbounce published an epic Presidential Teardown of the two candidates campaigns (from a conversion standpoint), written by my writing man crush Aaron Orendorff (I mean that in a purely platonic way of course).

The goal was to treat it — this single blog post — like a stand-alone campaign.

Typically Unbounce will see anywhere between 500-800 new visits on a blog post. But this one? 4,513.

It’s been shared over 6,000 times. And been picked up by both Inc. and the Huffington Post (HuffPo, or whatever stupid name they’re going by these days).

Not bad, right?

The post was also over 6,000 words long. It tooks hours and hours and hours of research. They looped in influencers from the very beginning. Created a custom PDF for it. And even designed custom blog assets to fit the theme of the page.

Image Source

Not to mention a well-thought out, strategic distribution plan once the post went live.

In other words, this massive runaway success was no accident. It was created to be the single best resource on this topic. It was 10x from the get-go.

The problem, of course, is that producing something like this is insanely resource-intensive. Super time consuming. Not to mention, expensive when you consider the number of people all working together to make it a reality.

In other words, before you’re able to feasibly move forward on something this ambitious, you gotta free yourself up by cutting back in other areas.

2. 80/20 Your Own Activities

Recently I had the privilege to interview Ty Magnin of Appcues with Brian Sun of Autopilot.

A recurring theme that kept popping up throughout his work and life was “fewer things done better.”

So he’d work on campaigns for weeks or months. Only to kill them off because the work wasn’t up to his admittedly high quality standards.

Their email newsletter was a perfect example. Initially, it was a long-ish email that contained a bunch of curated links and even a joke.

Image Source

But Ty wasn’t impressed with his own curation of the posts. He thought it was “a little weak.” It wasn’t excellent or best-in-class.

So he killed it off, instead switching their emails up to a simple text-only email when new blog posts went live.

Image Source

It’s not like the original email sucked or anything. But from Ty’s vantage point, it was merely average. And average isn’t good enough.

This change in format gave him back a few hours a week to devote to making something else excellent.

This is a point driven home by Perry Marshall’s 80/20 Sales and Marketing.

Ya’ll know the drill. You know how this works.

He asserts that there’s an “extreme inequality” is most things. Like your expenses, product defects, profitable customers, and of course, your marketing and sales activities.

The goal is to figure out which 20% of your day delivers the 80% of backlinks, traffic, signups, and purchases. Then continually exploit it.

By creating processes.

3. Think Processes. Not One-Offs

Doing 10x, one-time, is good. You’ll see the benefit. But then the results will tail off. Revenue or traffic will regress to the mean.

The only way to steer the ship forward is by putting plans into place to carry out that same level of output again and again and again.

But in order to do that, we just learned you gotta give something up. Like ditching hacks in order to chase scale.

We’ve also just seen that the ‘content quality bar’ is rising. Therefore, the time it takes to replicate is also rising.

Image Source

Which means you need to figure out a way to constantly refine your ‘content creation process’ in order to (1) continually increase the quality while somehow also (2) decreasing the time it takes to produce it.

Impossible? Perhaps. If you’re still stuck on 1% improvements.

But let’s imagine:

If you had to do 2,000+ word posts daily (or longer), what would that require? What would need to change or happen in order to make that a reality?

You’d start by finding awesome resources and creating cheat sheets for yourself to save time on coming up with little, mundane things like a headline.

You’d have to figure out workflows in advance, for how a piece of content transitioned from idea, to:

Research

Prep

Writing

Editing

Production

Publish

Promotion

At each step along the way, you’d have to drill down with checklists so that each ‘task’ took the least amount of time possible. No matter how minute.

That way, you could enlist more people to help and free yourself up to focus on where you excel within the process.

Then your content production could look like a well-oiled machine, moving seamlessly from one step to the next. Pre-loaded with instructions, due dates, and responsibility assignments along the way.

In other words, you’d have to start by changing your mindset. Start by changing the way you think about how success flows.

Which would then force you to change the amount of work and effort and attention and output needed in order to make it happen.

Conclusion

Too often, we’re sold a party line.

We spend our whole lives learning to follow instructions. When instructions are only good enough to give you average. What worked before. Historically. In the past.

The stuff that gets you a 1% improvement over what you’ve been doing.

But if you’ve ever started anything new — no matter if it’s a project or a post or a position or a company — you’ll quickly realize that 1% is never good enough. You need 100x to make a dent.

The trick is to start out searching for the BIG improvements. Not because you’re self-deluded. But because it will require a BIG change in the stuff you’ll need to do in order to hit that lofty goal.

You’ll have to dissect and rearrange and reorient what’s possible in order to bring it into fruition.

Then, even if you fall short, you’ll still be miles ahead of 1% in the long run.

About the Author: Brad Smith is the founder of Codeless, a B2B content creation company. Frequent contributor to Kissmetrics, Unbounce, WordStream, AdEspresso, Search Engine Journal, Autopilot, and more.

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1x vs. 10x: The Little-Known Reason Why Your Campaigns are Failing

A/B testing works… some of the time.

Barely. A tiny bit. If you’re lucky.

And when it does, a 1% increase to show to bosses and clients is what you’ll get.

That’s a problem. Because how much time did that 1% cost you? How much effort did you exert chasing it?

All that time and effort, largely wasted, when you should have been ignoring the 1% increases and focusing on the 10% ones like these instead. Or leveraging your time 1x instead of 10x.

If you’ve got a big staff and a big budget, 1% might cut it. But not for everyone else. Not for you or me.

We need more. Way more. And doing ‘more of the same’ will only get you more of the same.

Here’s why. And how to fix it.

Why a ‘Middle Class Mindset’ is Sabotaging Your Marketing

Most experts agree that there’s one critical difference between rich people and poor people.

It’s not inheritance. (Thanks for nothing, mom and dad.)

It’s not the stock market. (Because that’s glorified gambling.)

And it’s not real estate. (Because it can be a cost suck instead of an investment.)

It’s your mindset.

Corny, right? Like some new-age, hippy, The Secret thing.

But there’s some truth to it. Here’s why.

“The first thing you have to do is decide to become a millionaire, multimillionaire, or billionaire if you want. … Then you must reinforce that decision, over and over,” according to a CNBC paraphrasing of sales expert Grant Cardone.

Grant is the author of The 10X Rule, which basically says most of our problems stem from the fact that we’re thinking (and therefore acting) too small. And too infrequently.

It’s not so much the pie-in-the-sky ideals. But the mental exercise that forces your daily activities to change course in order to meet a new ‘standard’.

Keith Cameron Smith, a personal finance author, spent two years working closely with ultra-rich people and noticed a similar distinction. According to the same CNBC article:

“The biggest difference Smith observes between millionaires and the middle class is how they frame their circumstances and present information to themselves. While millionaires ask themselves empowering questions, the middle class tend to lean toward disempowering ones.”

He goes on to clarify, “Empowering questions cause you to reach for your full potential. The questions you ask yourself determine the results you get in life.”

And then brings it home with, “Millionaires are more creative than reactive.”

Author Steven Siebold equates this to a difference in worldview. A different understanding of the work ‘risk’. One group is playing offense while the other plays defense.

“Step out of your comfort zone. Look at all your options. You will have to be at least a little uncomfortable if you want to become rich. You might even have to fail and that’s great, because if you’re not failing, you’re not doing much.”

That warm and fuzzy ‘mindset’ difference is typically referred to as a middle class mindset. One that’s full of limitations and self doubts and ‘invisible scripts’ as Ramit Sethi calls them.

One classic? The “stop buying $4 lattes and avocado toasts to get rich” example. The problem with this one, though, is basic match.

Here’s Ramit running the numbers:

“No amount of saving avocados is getting you a house. The median price of houses listed in America is $245,000. (Laughable, since the median price of an apartment in NYC is over $2 million, but just go with it.) If you want a 20% down payment on that $245,000 house, you’ll need to cut back on 2,578 avocado toasts. At one $19 toast per week, that would take you 49 years to save a 20% down payment.”

I don’t know about you, but I sure as hell don’t have 49 years. Hell — we work in technology. Most of us will have a heart attack by then.

The ‘middle class mindset’ is like the story of Icarus. Fly too close to the sun and you’ll get burned. Instead, keep plugging away at what you’re comfortable with. What comes easy. That way, you won’t miss Happy Hour on Friday.

You might be pessimistic right now. You might claim that these cited gurus are all trying to ‘sell you the dream’ so that they can literally sell you the dream.

You’d have a point. And you’d also be missing the point.

Because this same illusive ‘mindset’ phenomena applies to marketing as well. Even Seth Godin weighs in:

“The 10x marketer understands that the job isn’t to do marketing the way the person before you did it, or the way your boss asked you to do it. Strategic marketing comes from questioning the tactics, understanding who you are seeking to change and being willing to re-imagine the story your organization tells. Don’t play the game, change the game.”

The point here is that plugging away at tiny tactics — the ones that make a 1% difference instead of 10% difference — keeps you from doing the work the matters. The work that moves the needle.

And it’ll keep you firmly positioned in the (marketing) poorhouse.

I’ve personally seen this in my own work. Most of my failures (and there are LOTS to choose from) are the direct result of wasting too many hours chasing 1% improvements. When I should have been focusing on 10x ones.

That’s like tweeting once or twice a day. Not enough to ever break through the noise.

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Or dashing off 500-1000 word blog posts. Which simply doesn’t cut it anymore.

Here’s why.

Skyscrapers: The Difference Between 1x vs. 10X Marketing

The Skyscraper Technique debuted only a few years ago.

And yet most (good) marketers know it by name. They’ve read the case studies. Experimented with it at least once or twice. Have read the initial article on the topic.

(Yes. It’s a Skyscraper about Skyscrapers. Because every good marketer Google’s 200 Ranking Factors: The Complete List. And how after executing this new technique, results took off.

First, backlinks:

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Then organic search visits:

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Then referrals:

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Look at those numbers. Up-and-to-the-right graphs that would make everyone unanimously agree.

And yet, that success shouldn’t be surprising. Not when you consider a few facts. Here’s Brian again with two key points about how search engines work.

(Yes, I’m laying all of the blame with Brian.)

The number of domains linking to a page (backlinks) correlated with rankings more than any other factor.

“Topically relevant” content outperforms content that doesn’t cover the topic in-depth.

And longer content performs better in Google (average first page results average 1,890 words.

So. You want results? You want 10x the benefits in new backlinks, traffic, and sales?

It’s gonna require 10x the work.

Just the simple act of blogging today demands it. A single blog post might take all day to write.

Or longer.

Want to write about increasing traffic? You better first do the amazing client work, then create processes to repeat it, then create custom graphics and videos to better explain that process to new people.

Want to write about hosting companies? You better sign up for each one, put up test websites, and monitor their performance for months before writing that review.

In other words, what’s the point of publishing a few random, ad-hoc 500 word posts when only excellence is rewarded?

Answer: there isn’t any.

Which is why you need to avoid 1x marketing ideas at all costs.

3 Ways to Avoid 1X, ‘Middle Class Marketing Mindset’ Once and For All

1. Aim for 10x Quality

Last year, Unbounce published an epic Presidential Teardown of the two candidates campaigns (from a conversion standpoint), written by my writing man crush Aaron Orendorff (I mean that in a purely platonic way of course).

The goal was to treat it — this single blog post — like a stand-alone campaign.

Typically Unbounce will see anywhere between 500-800 new visits on a blog post. But this one? 4,513.

It’s been shared over 6,000 times. And been picked up by both Inc. and the Huffington Post (HuffPo, or whatever stupid name they’re going by these days).

Not bad, right?

The post was also over 6,000 words long. It tooks hours and hours and hours of research. They looped in influencers from the very beginning. Created a custom PDF for it. And even designed custom blog assets to fit the theme of the page.

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Not to mention a well-thought out, strategic distribution plan once the post went live.

In other words, this massive runaway success was no accident. It was created to be the single best resource on this topic. It was 10x from the get-go.

The problem, of course, is that producing something like this is insanely resource-intensive. Super time consuming. Not to mention, expensive when you consider the number of people all working together to make it a reality.

In other words, before you’re able to feasibly move forward on something this ambitious, you gotta free yourself up by cutting back in other areas.

2. 80/20 Your Own Activities

Recently I had the privilege to interview Ty Magnin of Appcues with Brian Sun of Autopilot.

A recurring theme that kept popping up throughout his work and life was “fewer things done better.”

So he’d work on campaigns for weeks or months. Only to kill them off because the work wasn’t up to his admittedly high quality standards.

Their email newsletter was a perfect example. Initially, it was a long-ish email that contained a bunch of curated links and even a joke.

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But Ty wasn’t impressed with his own curation of the posts. He thought it was “a little weak.” It wasn’t excellent or best-in-class.

So he killed it off, instead switching their emails up to a simple text-only email when new blog posts went live.

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It’s not like the original email sucked or anything. But from Ty’s vantage point, it was merely average. And average isn’t good enough.

This change in format gave him back a few hours a week to devote to making something else excellent.

This is a point driven home by Perry Marshall’s 80/20 Sales and Marketing.

Ya’ll know the drill. You know how this works.

He asserts that there’s an “extreme inequality” is most things. Like your expenses, product defects, profitable customers, and of course, your marketing and sales activities.

The goal is to figure out which 20% of your day delivers the 80% of backlinks, traffic, signups, and purchases. Then continually exploit it.

By creating processes.

3. Think Processes. Not One-Offs

Doing 10x, one-time, is good. You’ll see the benefit. But then the results will tail off. Revenue or traffic will regress to the mean.

The only way to steer the ship forward is by putting plans into place to carry out that same level of output again and again and again.

But in order to do that, we just learned you gotta give something up. Like ditching hacks in order to chase scale.

We’ve also just seen that the ‘content quality bar’ is rising. Therefore, the time it takes to replicate is also rising.

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Which means you need to figure out a way to constantly refine your ‘content creation process’ in order to (1) continually increase the quality while somehow also (2) decreasing the time it takes to produce it.

Impossible? Perhaps. If you’re still stuck on 1% improvements.

But let’s imagine:

If you had to do 2,000+ word posts daily (or longer), what would that require? What would need to change or happen in order to make that a reality?

You’d start by finding awesome resources and creating cheat sheets for yourself to save time on coming up with little, mundane things like a headline.

You’d have to figure out workflows in advance, for how a piece of content transitioned from idea, to:

Research

Prep

Writing

Editing

Production

Publish

Promotion

At each step along the way, you’d have to drill down with checklists so that each ‘task’ took the least amount of time possible. No matter how minute.

That way, you could enlist more people to help and free yourself up to focus on where you excel within the process.

Then your content production could look like a well-oiled machine, moving seamlessly from one step to the next. Pre-loaded with instructions, due dates, and responsibility assignments along the way.

In other words, you’d have to start by changing your mindset. Start by changing the way you think about how success flows.

Which would then force you to change the amount of work and effort and attention and output needed in order to make it happen.

Conclusion

Too often, we’re sold a party line.

We spend our whole lives learning to follow instructions. When instructions are only good enough to give you average. What worked before. Historically. In the past.

The stuff that gets you a 1% improvement over what you’ve been doing.

But if you’ve ever started anything new — no matter if it’s a project or a post or a position or a company — you’ll quickly realize that 1% is never good enough. You need 100x to make a dent.

The trick is to start out searching for the BIG improvements. Not because you’re self-deluded. But because it will require a BIG change in the stuff you’ll need to do in order to hit that lofty goal.

You’ll have to dissect and rearrange and reorient what’s possible in order to bring it into fruition.

Then, even if you fall short, you’ll still be miles ahead of 1% in the long run.

About the Author: Brad Smith is the founder of Codeless, a B2B content creation company. Frequent contributor to Kissmetrics, Unbounce, WordStream, AdEspresso, Search Engine Journal, Autopilot, and more.

1x vs. 10x: The Little-Known Reason Why Your Campaigns are Failing