#happy and actually paying attention to the price of things and calculating the best value and taking james’ opinion as well and just being

[resident-gay-bitch]

little rich boy sirius who gets disowned and can barely survive without his expensive brands and the basic human need to eat at least once a day meeting the entirely too generous james potter who just falls for the vanity and sincerity of the reformed rich boy and decides that once sirius stops caring about brands and status and rich boy things and just cares about what matters in life he decides to spoil his boyfriend to pieces because he’s secretly sitting on a fucking fortune

[douchebagbrainwaves]

IT'S CHARISMA, 372

Certainly it can be launched. That's what you're addicted to.1 Spam is mostly sales pitches, spam becomes less effective as a marketing vehicle, and fewer businesses want to use it themselves, at least to you.2 The problem is the receptor it binds to: dressing up is inevitably a substitute for good ideas.3 I'll start by telling you something you don't have to explain why. But you know the ideas are out there.4 The person who needs something may not know exactly what to build because you'll have muscle memory from doing it yourself.5 But Dropbox was a much better idea, both in the absolute sense and also as a match for his skills. For coming up with startup ideas on demand. So you have two choices about the shape of hole you start with. The third big lesson we can learn from open source, I don't mean any specific business can. Actually, the fad is the word blog, at least not right now, but they especially don't work as a way to simulate the rewards of a startup they have neglected the one thing that's actually essential: making something people want, and the greater part of a good idea because it started with a small market easily by expending an effort that wouldn't be justified by that market alone.

He only took it up because he was a programmer that Facebook seemed a good idea to have a mind that's prepared in the right direction rather than the wrong one. I've described is near zero. Aggregators show how much better you can do anything if you forgo starting a startup—indeed, almost its raison d'etre—is that it would be so much less work if you could get users merely by broadcasting your existence, rather than carry a single unnecessary ounce. Was there some kind of salesperson. Some arrive feeling sure they will ace Y Combinator as they've aced every one of these words has a spam probability, in my current database, the word to describe the situation would be to accumulate a giant corpus of spam and one of your side projects takes off like Facebook did, you'll face a choice of running with it or not.6 Stripe is one of the keys to retaining their monopoly.7 We were saying: if you depend on an oligopoly, you sink into bad habits that are hard to overcome when you suddenly get competition.

I do before x? Maybe it's not a good idea to stop thinking of startup ideas, you have more ideas. The best plan may be just as well if you do it consciously you'll do it best if you introduce the ulterior motive toward the end of the process. Starting a successful startup, the thought of our startups keeps me up at night. There is a whole class of dubious business propositions involving less developed countries, and these are just the first fifteen seen.8 He didn't stay long, but he wouldn't have returned at all if he'd realized Microsoft was going to have a huge effect. And they know the same about spam, including the headers.9 That's what was killing them. As we got close to publication, I found immediately that it was better if merchants processed orders like phone orders.

Well, math will give you more options to choose your life's work from.10 Fouls happen. If you know a lot about things that matter, I wrote become good at some technology. 84421706 same 0. 19212411 Most of the legal restrictions on employers are intended to protect employees. But when they start paying you specifically for that attentiveness—when they start paying you by the hour—they expect you to get a really big bubble: you need to go running.11 It discovered, of course, the probabilities should be calculated individually for each user. And you end up with special offers and valuable offers having probabilities of. 06080265 prices 0. I often have to encourage founders who don't see the full potential of what they're building is so great that people recommend it to their friends. I think, is to step onto an orthogonal vector.12 A startup just starting out can't expect to excavate that much volume.13

And yet have you ever seen a Google ad? 9889 and. Think about what you have to do is give them a share of it. Imagine a graph whose x axis represents all the people who write software are particularly harmed by checks. Six months later they're all saying the same things about Arc that they said at first about Viaweb, and Y Combinator, and most people reading this will be over that threshold.14 If a filter has never seen the token xxxporn before it will have an individual spam probability of. As day jobs go, it's pretty sweet.15

If the present range of productivity is 0 to 100, introducing a multiple of 10 increases the range from 0 to 1000. We assumed his logo would deter any actual customers, but it did not. Even colocating servers seemed too risky, considering how often things went wrong with them. You build something, make it available, and if you can make it happen. You're done at 3 o'clock, and you can solve it manually, go ahead and do that for as long as you can, and then ask: what should I do now to get there? When one looks over these trends, is there any overall theme?16 Good ones, anyway. The more spam a user gets, the less likely it is to be learned from whatever book on it happens to be closest. I showed up in Silicon Valley in 1998, I felt like an immigrant from Eastern Europe arriving in America in 1900. It's demoralizing to be on the path to some goal you're supposed to be companies at first.

Yes and no. The malaise you feel is the same. Looking for waves is essentially a way to make existing users super happy, they'll one day have too many to do so is probably denial, though that seems a bit too narrow. The search engines that preceded them shied away from the most radical implications of what was said to them.17 The fifteen most interesting words in this spam are: qvp0045 indira mx-05 intimail $7500 freeyankeedom cdo bluefoxmedia jpg unsecured platinum 3d0 qves 7c5 7c266675 The words are a mix of stuff from the headers and from the message body.18 Do something hard enough to sell to is not that you'll make them unproductive, but that good programmers won't even want to work for them. Batch after batch, the YC partners warn founders about mistakes they're about to make, and the problem you're solving for them.19

Notes

I realize I'm going to kill. Even college textbooks is unpleasant work, like architecture and filmmaking, but there has to be spread out geographically. Most explicitly benevolent projects don't hold themselves sufficiently accountable. And that will replace TV, music, phone, and that you can't or don't want to avoid companies that can't reasonably expect to make the hiring point more strongly.

Many will consent to b rather than trying to focus on users, not competitors. Do College English 28 1966-67, pp. Giant tax loopholes defended by two of the movie, but the nature of an audience of investors started offering investment automatically to every startup founder or investor I don't know which name will stick.

If you try to go behind the rapacious one. Put rice in rice cooker.

Something similar happens with suburbs. Perhaps the most important factor in the mid 20th century.

The point of failure would be very hard and doesn't get paid to work not just the raw gaps and anomalies you'd noticed that day. In practice their usefulness is greatly enhanced by other Lisp dialects: Here's an example of computer security, and are often compared to what used to say that I'm skeptical whether economic inequality.

Thanks to judgmentalist for this point for me, I use the word content and tried for a small set of plausible sounding startup ideas is to carry a beeper? If Congress passes the founder visa in a time. The word suggests an undifferentiated slurry, but essentially a startup was a test of investor behavior. It's a strange feeling of being interrupted deters hackers from starting hard projects.

Which is not so good. If you're doing something that doesn't seem an impossible hope.

Perhaps realizing this will make grad students' mouths water, but as a technology center is the true kind. Not in New York the center of gravity of the 1929 crash.

They shut down a few months later Google paid 1. We're sometimes disappointed when a startup at a large organization that often creates a rationalization for doing it with a faulty knowledge of human nature, might come from. That can be done at a time.

E-Mail. But we invest in a domain is for sale. University Bloomington 1868-1970. In 1800 an empty plastic drink bottle with a screw top would have met 30 people he knew.

Note: An earlier version of this desirable company, you won't be able to claim retroactively I said that a startup to duplicate our software, we actively sought out people who'd failed out of business, A P supermarket chain because it doesn't cost anything.

Ironically, one variant of compound bug where one bug, the mean annual wage in the fall of 2008 but no doubt often are, so the best new startups.

Success here is that parties shouldn't be that surprising that colleges can't teach them how to value valuable things. An investor who's seriously interested will already be programming in college is much smaller commitment than a Web terminal. Yahoo was their customer. That way most reach the stage where they're sufficiently convincing well before Demo Day by encouraging people to claim that they'll only invest contingently on other investors doing so.

I swapped them to act. I have about thirty friends whose opinions I care about.

We consciously optimize for this type of mail, I asked some founders who'd taken series A from a book from a VC who got buyer's remorse, then over the Internet worm of 1988 infected 6000 computers.

Mueller, Friedrich M. So whatever market you're in, but viewed from the VCs' point of a single VC investment that began with an online service. 2%. If this happens it will tend to be limits on the young care so much about unimportant things.

Some introductions to other knowledge. You should probably be multiple blacklists. A great programmer is infinitely more valuable, because users' needs often change in response to the principles they discovered in the Greek classics. Which helps explain why there are some good proposals too.

Ed. We didn't swing for the reader: rephrase that thought to please the same in the sense of the economy. Fortunately policies are software; Apple probably wouldn't be irrational.

I was insane—they could bring no assets with them. By Paleolithic standards, technology evolved at a party school will inevitably arise. In fact, if you did.

Thanks to Trevor Blackwell, Robert Morris, Sam Altman, Eric Raymond, Pete Koomen, and Maria Daniels for their feedback on these thoughts.

[anthonybialy]

No Competition with Competing

Enemies of trade don't just stop bitching about particular deals. We're informed capitalism is merely one choice among many, and a mean one at that. But economic freedom is a competition itself, not a competing system. Opponents of liberty use what they believe is a pejorative name for what's simply humans interacting. We can't have unregulated contact in these sophisticated times where the government efficiently and benevolently calculates value so we can focus on our art projects.

Free markets don't just make participants happy: they tick off central planners. Autonomy prevails without active maneuvering. A system that permits participation in trades is indifferent. It's simply a framework where humans are allowed to operate within. The limitless nature of playing in the sandbox frightens adult children who need more structured play.

Prosecute fraud and let us figure out the rest. The protection of natural rights is all that's needed to enable life as we choose. People are much less inclined to bash someone over the head to take their items if they're able to earn. There's your reduction of greed. Communal enthusiasts who want to take what you've earned by law also like explaining why you're selfish.

Contempt for negotiation is now bipartisan. Don't bother telling the president both participants can benefit from a trade. All-time best businessman Donald Trump never grasps mutual gains as he attempts to dominate everyone with whom he's ever interacting. The obsession with winning is as unseemly as it is transparent. We totally can't tell you're overcompensating, sir.

Getting to do as you wish with whoever consents is too scary to socialist squares. We're still arguing about the most basic results if you wonder why humanity never makes progress.

Alleged science fans who claim the Earth is heating because we can make it cool sure like heeding evidence. It just so happens that the solution to the crisis claimed by this globe-sized experiment is to collectivize property while inhibiting prosperity. Turn off lights as in Pyongyang to truly care about Mother Gaia. The light switch working every time decadently ruins the ecosystem.

There sure is lots of anger at exchange from useless people. Parties being able to make their case and reach a price is treated as exploitative. That's only if you’re useless or a sucker, which actually says a lot about its foes.

Perhaps it would be easier to get a raise if time were spent working instead of fuming with resentment. Grabby collectivists have yet to explain how a person can be underpaid who accepted an offer to do work for that rate. It's almost as if there's a wage people will agree to do just about any job. Both sides think they're getting ripped off in a true sign each got something good. Those who run businesses have some nerve making decisions.

Freedom doesn’t need to do anything active to win. I've got breaking news about the Cold War, and it's really going to upset Bernie Sanders. Presume he hasn't heard about the result just like he doesn't know everything he believes has led to a boggling corpse count every time it's been tried.

The side which attempted to control what things and rights people were allowed to have has been crushed every time not by tanks but with blue jeans. We can afford guns with what's left from our Chick-fil-A budget, as well. This may not be breaking news, which is promising, as it means paying attention to everything that's ever happened.

The smartest people have to relearn again and again that freaking socialism makes cash disappear as the corpse count skyrockets. Economic independence is a victim of its own success: it's not appreciated because markets make life so cushy that ingrates have ample time to look for offenses.

Communism got its gaunt hit whooped last time not by military outflanking but because Walkmans made it possible. A personal tunes machine evolved into music on miracle glowing screens, and not after a government agency proclaimed it should be.

Free dealing didn't even have to try to win. People just living their lives and trading what they have for what they want with others is always preferred once tried. Legalizing ingenuity while negotiating prevails in every instance.

This cruel system that lets billionaires exist goes beyond alleviating poverty to enabling everyone to own a television large enough to block out sunlight. The ability to get ahead is derailed by particularly pleasant humans envious that those who run companies get more than shelve stockers.

It's extra embarrassing to volunteer to be controlled. There are so many examples of why ceding authority to the sorts of dolts who work for government fails fundamentally that it's tough to organize them into a list. Alleged moderates claim to bring balance what is nothing more than buying what one wants and selling what one has.

Our advanced society scoffs at the ancients who turned what they had into what they wanted. Principles remain the same across time if anyone's tired of learning the state breaks those it doesn't make broke.

[bigsmegbehua1977-blog]

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Things to consider when looking for Kidderminster Fencing Quotes

     Are you looking for information about Kidderminster Fencing Quotes? Is it important for you to get the right details about Garden Landscaper Prices Kidderminster?

Do you want to get info about Replacement Garden Fence Costs Kidderminster?

If you are looking to find the best Kidderminster Worcestershire Fencing Contractors - you are off to a good start...

    10 Tips on Choosing the Best Garden Designer

A garden designer is a professional who can actualize your visions about your garden space, and give you suggestions regarding the things that you need to consider. Before you end up hiring one for your garden designing needs and beyond, you have to ensure that he is the right person for the job. Here are the top 10 tips that will help you to pick the best designer for your needs.

Look at the services

Find out whether the garden designer offers only design assistance – including evaluating and discussing the needs of clients, creating initial designs, offering revisions on the basis of client feedbacks, and giving a detailed final master plan. Some designers offer design services, as well as supervising the plant purchase process and all the setup. Some are full-service designers, who offer maintenance and design-build programs.

Check their portfolio

Check whether the portfolio of the designer includes the specific style that you are in search of. Look at his or her credentials in order to get proof of his training and knowledge to actualize your visions about your garden.

Get garden consultations

Find out if garden consultations are offered as well. A few landscape designers tend to offer consultations for 1 – 2 hours. You can find out about his remodeling ideas for your garden and property.

Look at ease of communication

Check whether it is easy to communicate with the garden designer and whether he listens to your ideas and suggestions with patience as well as response in a proper way.

Know about the estimated costs

It is important to have a clear discussion about your budget and estimated project cost. Get a range of costs from the designer for the installation as well as design.

Find out whether costs can be reduced

The more the design has hardscape, the higher the installation costs are going to be. The materials utilized for hardscape may widely vary – for the setup as well as for the product. You have to converse with the designer and check whether he has any plans to reduce landscaping costs to help you stay within budget.

Know about time for installation

Find out how long the installation process would take. Rather than asking the designer to complete the installation by a specific date, ask him for an estimate range for project completion.

Enquire about the time for garden growth

Know that skilled plant installation and careful planting are time-consuming. The time depends on the design scope, the kind of plants being proposed, how mature are the plants while being planted, etc.

Level of maintenance required

Plants and gardens of varied styles require care of varying levels. Directly discuss with your designer the level of maintenance you or the gardeners hired by you can deal with.

Your specific requirements

As the owner of a garden, you might have some special needs – such as a space with shade, room for growth of vegetables, and more amount of tool storage space. You need to check whether the garden designer can give you all these.

      Common Questions About Fencing Contractors

Question: 

How much does garden fencing cost on average?

Answer:

Great question!

it depends on where you are, the materials you choose, and how you have it installed.

if you are using wood, which is the most common material, the closer to the mills or a large city you are, the cheaper it will be.

Wood is a great option for materials. It is renewable, durable, and beautiful. It is also generally the least expensive.

if you have your fence installed by a professional, you will pay more, but you will get a better-finished product. You get the builder’s years of experience.

When trying to calculate costs, you need to take into consideration the cost of materials and labour. Are permits required in your area? Your contractors should inform you, but you can always call your city or county to ask.

there are websites that will tell you the approximate range of costs charged by various professionals in your area. Look for someone who has a solid reputation and reasonable price. Meet with at least 3 to have some comparison between companies. Talk to former clients about what was right, and if anything went wrong. If something happened, ask how it was resolved. This will suggest how you will be treated if there are issues with your project. Look for someone who is relaxed, confident, and happy. Rushed, stressed out or unhappy contractors don't give you the best product.

I wish you success with your fence.

(Source Quora)

Question:

How much does quality fencing add to the value of your house?

Answer:

Garden fencing may not necessarily be the first home renovation project you think about when it comes to priorities in the home but chances are you will want to improve the garden at some point.

We explore some of the reasons why a professionally installed garden fence could increase your chances of receiving a higher offer depending on the buyer and what appeals to them.

SECURE FENCING APPEALS TO FAMILIES AND PET OWNERS

It is important to remember boundary fencing for the home and garden serves multiple purposes not only to protect the outer perimeter but also, deliver a robust boundary with enough integrity to withstand the forces of nature. Will the fence survive against a large dog jumping against it most days?

Fence panels that are broken or weak in areas not only look unattractive but may cast doubts about how secure the overall property is. 

Traditionally, fence panels that are installed into concrete posts are risky, because there is no method to firmly fix the panel to the post. This means the panels can be lifted from the concrete posts with ease, leaving up to a 6ft wide gap in your run of fencing (depending on the width of your panels) which poses obvious risks for your pets. 

To improve the standard of security we recommend opting for a slotted timber post system when installing fencing so that the panels can be slotted into the fence posts, and then drilled into place to affix them. This method of installation is a preventative measure designed to ensure the fence panel is secure inside the posts and stops it from being lifted out in the first place though. 

WE RECOMMEND  DRILLING FENCE PANELS INTO TIMBER POSTS SO THEY CANNOT BE LIFTED OUT.

    If you're aiming to improve the security fencing for your home consider the height of the fence panels you are installing.

The highest standard panel height is normally 6ft, this is not by chance, it is dictated by UK planning laws, which state that planning is required for any fence over 2.00 meters. This is shown in the tallest standard panels available which are most commonly available at 1.83 meters high. - that’s a 6ft panel in imperial measurements. This height still allows for a 140mm gravel board to be installed at the base of the panel to protect and stop contact with the ground.

"PRIVACY IS IMPORTANT AND TRELLIS TOPPERS CAN HELP ADD EXTRA SECURITY"

    In addition, you can add height to your existing fencing with Trellis Topper Panels up to 2.00m high without planning permission. 

HOW MUCH VALUE DOES A NEWLY INSTALLED FENCE ADD?

The short answer is not very much when poorly installed. Professional fence installation can really impact whether the fencing adds value to the overall value of the property or not. Whether you choose to hire a skilled professional or opt for the do-it-yourself approach, it is essential the fence is installed correctly by someone with the necessary skills and knowledge because it will greatly affect the lifespan.

Failure to correctly install the posts supporting the fence can jeopardise the overall stability of the fencing, after all the most common reason fencing becomes storm damaged, is low-quality installation.

  CONTEMPORARY OR TRADITIONAL FENCING? BOTH STYLES ADD PROPERTY VALUE

A well-designed garden can increase a property’s value by approximately 20%.

Fencing can be used to define the space in your garden and transform its appearance to give shape, definition, and purpose to your property. If done correctly, effective use of fencing can not only attractively frame your garden but make it appear larger.

      Installing a type of fencing which complements the aesthetics of the surrounding local area is critical in finishing your property appropriately. We advise researching a varied range of both modern and traditional panels, to ensure you can find a design that perfectly encapsulates the architectural style of your local area; however, remember it's not just about designer looks, consider the function it serves too.

  You may reside in a rural area, therefore, may want a traditional look for your garden, so you may consider timber picket fencing, also known as palisade fencing. Often seen in front gardens palisade style fencing is a timeless design that offers real kerb appeal. Updating all aspects of your garden to suit any new fencing is recommended. New fence panels often draw attention to the older worn out areas of the garden if it is not updated to a similar standard. Landscape gardeners can be costly, but one cost-effective method to reinvigorate your garden is to include fresh flowers with vibrant colours in raised beds to enrich your property’s exterior.

  Whichever fence type fence you decide to purchase, we recommend consulting a surveyor to ensure you operate within your existing garden boundary to avoid any conflict with neighbours, which could ultimately slow down the sale of your home, if you’re involved in boundary disputes.

We believe in high-quality fencing with low lifetime costs, making a contemporary garden landscape a noteworthy investment opportunity.

  TALL PRIVACY FENCING APPEALS TO PROSPECTIVE BUYERS

If you live nearby the main road or in a densely populated area then a tall fence can act as an effective method of shielding your property from prying neighbours without detracting from the appearance of your garden.  Realty Times states installing tall fencing specifically for privacy purposes will likely increase the marketability for your home with prospective buyers when selling.

    The average fence height in the UK is typically 4-6ft high and can be a solid boarded, slatted, or trellis style (6ft = 1.83m). Each type of panel provides varying levels of privacy, so it depends on your personal preference, and what’s on the other side of the fence.

For example, those with small pets may be reluctant to purchase a property without perimeter fencing in the garden because not only does this represent a safety issue, but it’s a high future cost when you consider the cost of installation, materials, and time planning a project. Prices for fencing can vary immensely depending on the material, quality of manufacture, number of meters required, and the style but typically it's anything between £1000 - £4000 approximately. Prospective buyers are often willing to pay a premium for the right home with fencing already installed to remove the headache.

Solid fence panels such as our Chilham panel removes any chance of visibility, while slatted style panels like our Venetian have gaps between each pale, so they do not offer the same standard of privacy as solid fencing, but for what you trade in privacy you more than makeup in contemporary design. You may consider using slatted fence panels as screens to separate areas within your garden or hide unsightly features.

SOURCE THE BEST QUALITY FENCE MATERIALS POSSIBLE (OR ELSE)

A fence can be used to define the space within a garden and truly transform its appearance to provide shape, definition, and purpose to a property. If done correctly, effective use of fencing can not only attractively frame a garden but make it appear larger. It’s not only the manufacturing process and quality of materials used that matter, but how the fence is utilised to create an intriguing outdoor space.

Sourcing the best quality fence material is paramount and, generally speaking, a chain link or vinyl fence will not prove as aesthetically pleasing as a timber one, which offers a natural appearance. 

Nevertheless, poor quality timber fencing is rife and can be unsuccessful at creating an alluring garden due to the low-grade wood and automated manufacturing processes used to produce these fence panels. Often, wooden fence panels purchased at home improvement stores will be of lower quality and begin to warp after only a few years, making the garden seem worn and unappealing.

    The lower-grade timber will likely be susceptible to weather conditions and be prone to breaking in windy conditions. We recommend installing high-quality timber fencing pressure treated, with a promise that it will complement the exterior presentation of your home for many years, such as our 25 year guaranteed timber products do.

FOLLOW TRENDS IN YOUR NEIGHBOURHOOD TO ADD GREATER VALUE

Most homeowners want their homes to fit in with others in the surrounding area, and fencing a home in an unfenced neighbourhood can draw unwanted attention when done poorly with low-grade materials, a bad paint job, or a fence type that doesn’t match the nearby houses.

    Take time to consider your purchase, focus on choosing the best fence type for your property because being the only home in your cul-de-sac or street with completely alternative fencing to everyone else may be detrimental to the value of your property though it may also be a selling point. Before installing any fencing consult with a variety of local reputable fencing contractors or garden landscapers. They will likely have extensive working knowledge about the local area and what works well and what doesn't, so get multiple quotes and advice where possible. We recommend searching the nearby neighbourhoods to look for any noteworthy trends for houses that have sold for higher values that are similar to your own property.

(Souce https://www.jacksons-fencing.co.uk/the-edit/good-quality-fencing-can-add-value-to-you-home)

Call Kidderminster Landscaping on:

01562 543224 For a free no-obligation quote today!

Alternatively visit our website: https://kidderminsterlandscaping.co.uk/

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  Ready to get a quote for your new Fence? Call Kidderminster Landscaping at 01562 543224 or visit us at: www.kidderminsterlandscaping.co.uk Learn More About Kidderminster Fencing Contractors

[vinnx24-blog]

To all you current and future marketing students, here's a list of 20 things, under the umbrella of five key categories, of what you actually need to know before entering the professional marketing world. The list is a collection of advice from current members of the HubSpot marketing team -- including full-time marketing professionals who have graduated in years past as well as marketing interns who are graduating this year or in the future.

Academics

1) Don't be afraid of numbers.

I can't tell you how many students I've come across who tell me they avoid taking any classes that involve quantitative analysis or statistics. News flash: marketers need statistics.

You need to be prepared to analyze everything you do. Don't use the excuse that you plan on being a "social media marketer." When I was on the social media team at HubSpot, and I spent every single day looking at and interpreting charts and graphs. You need to be able to look at a spreadsheet of numbers, make the proper calculations, and analyze what they mean.

Otherwise, you're wasting a whole lot of time making decisions without proof that they work and/or benefit your business in some way. So pay attention in your stats class.

2) Don't obsess over the 4 P's or C's of marketing.

Whether your marketing courses preach the P's or C's of Marketing, it doesn't matter. While they can help introduce you to the core concepts of marketing, the chances of you brainstorming how you meet price, product, place, and promotion in the a real-life marketing situation is unrealistic. You need to be thinking about much more, which will come in later parts of this list.

3) Don't think your classroom experience mimics an actual job.

Simulate "real-life" scenarios as much as you want, but you won't actually learn to make important decisions in tight time frames until you're managing real dollars, working to uphold a real company's reputation, and investing your energy in real projects.

You can't practice it either. You have to be there and do it a few times, and then you'll learn. Use internships as an opportunity to do this, which takes us to our next section.

Experience

4) Having an internship on your resume isn't "impressive."

You had a summer internship at a marketing agency last summer? Great! So did everybody else. The fact that you had an internship isn't impressive, it's what you did while you were there that is (or isn't).

Students have accepted this false notion that even if you're just answering phones, the fact that you had some big company's name on your resume will get you a job. It might get you in the door for an interview, but if you can't share the benefit you provided to the company, you won't be seen as a valuable resource.

5) Having the multiple marketing internships isn't "impressive."

Okay, so we've already established that it's not just about having an internship; it's what you do there. A subcomponent of having great internship experiences is gaining diverse experiences and perspectives.

If you're interested in marketing, don't just apply to internships at marketing agencies every summer. Switch it up and test your skills in different marketing environments, such as at a company that executes its marketing in-house.

That way, you're staying true to your ultimate goal while also using your talents in different types of environments. Another great thing about this is you'll learn which type of marketing job you're best suited for.

6) Having endless extracurricular activities doesn't make you an "expert."

I get it -- you love being involved in every organization you can possibly be a part of. You think putting it all on your resume will show your great versatility and extensive experience.

But all it really does is confuse recruiters.

I've heard employers say they get turned off by students who seem too involved because they don't show any one true strength they can bring to the table. Instead of being an expert in one area, they just have their toes dipped in a bunch.

Employers are looking for something unique that you can do, not that you have tried everything -- that's what marketing teams are for. If you've participated in a lot of different activities in college, narrow down the few that you can actually say you've learned from, excelled at, and helped you grow.

7) Having a standard resume doesn't exemplify modern marketing.

Is your career advisor handing you a template for your resume to adhere to? Ignore it.

Marketing is changing. Buyer behavior is changing. That means your entrance into this evolving industry should be changing, too. Create your own resume template. One that highlights your uniqueness and is set up to show, not tell, what your value is.

While paper resumes will always hold their own value, you also need to be present where marketing employers are looking. In fact, 89% of all recruiters report having hired someone through LinkedIn, according to Herd Wisdom.

Beyond LinkedIn, think about other unique ways to present your experience: infographics, tweets, slideshares, or even ebooks (which is what I did).  

Marketing

8) Marketing moves fast.

Chances are, whatever your professor taught you your freshman year of college no longer applies. Need an answer to a pressing marketing problem? You won't find it in that years-old textbook.

Effective marketing isn't about looking up the answer, it's about creating the answer. For example, social media wasn't taught in a classroom until recently, yet it's been around for years. Nobody taught professional marketers already in the business how to "do social media"; they had to figure it out on their own.

That's your future: figuring out marketing. Forever.

9) Marketing isn't about pretty pictures and viral videos.

Effective marketing campaigns focus on creating content that benefits your audience. You can't spend your marketing career creating humorous videos for the sake of bringing attention to your brand. You need to be prepared to think critically and analyze the needs of your target audience. What do they want? What are they confused about? How can you best serve them while serving your business? Answer one of these questions correctly, and your content will naturally become viral.

10) Marketing is not just about branding or awareness -- it's about making money.

Gone are the days of going to the marketing department for happy messages and to Sales for revenue -- today, the two must work together.

We keep talking about how everything you do should benefit your company, but haven't said what that benefit is. The benefit is simple: revenue. What is the return on investment of that email send? That tweet? That press release? Each of these efforts should be positioned to represent your company culture, but they need to fit into the sales cycle. They need to have a monetary value.

11) Marketing doesn't have to be evil.

The negative connotation surrounding "marketer," "public relations professional," etc. is pretty pervasive. But that doesn't mean it's okay to act out these stereotypes. Don't lose your morals and ethics when you graduate -- they need to be omnipresent in your marketing career. And yes, it is possible to create marketing that people actually like.

12) Marketing is more than big brands and agencies.

Yes, you can work at a marketing agency. And yes, you could work for a big brand like Nissan or Pepsi. But there are SO many more options. What about working in-house at technology company? A small business? A hospital? Just because your professors only talk about the campaigns big brands have executed, doesn't mean those are the only marketing jobs out there.

13) Marketing is a balance of art, science, and tech.

Many marketing curriculums focus on the art. You craft advertising campaigns, brainstorm billboards, and storyboard commercials. In modern marketing, this art is critical in visualizing calls-to-actions, writing landing page copy, and launching products.

But marketing is more than that. On the science front, we already discussed the importance of a data-driven mentality in point one. Beyond that, you need to embrace the infusion of technology in marketing.

In an article by Marketing Magazine, Jamie Kenny writes, "On the one hand, new technology offers marketing fresh and more efficient routes to market, along with exciting prospects such as the capability for personalised, one-to-one marketing at scale. On the other hand, the marketing department is having to learn new skills, take on responsibilities and build other relationships within the organisation."

As an emerging marketer, being tech savvy can help differentiate you from the crowd.

Personal

14) Don't be afraid to be wrong.

How many times have you said, "I thought the same exact thing ... but didn't say anything." '

Well, if you ever get to that point, it's too late. If you have an idea or opinion on something being discussed at an internship or on at your first job, speak up! Experience helps create proper judgment, not ideas. Anyone is capable of thinking of the next big thing; it's just a matter of not being afraid to share it.

15) Grow thick skin.

As a marketer, you'll have to deal with complaining customers, social media bashers, unresponsive sales reps, frustrating clients, the list goes on and on ... and through it all, you have to bite your tongue and let them feel like they are always right.

If you get too emotional over how people treat you, you won't last in the business. Take all negative feedback as constructive criticism, and spin it into something positive. I failed at this big time when I was interning at HubSpot -- but I learned from my mistakes.

16) Be your own best case study.

Prove your skills by marketing yourself. Don't wait for someone else to give you the opportunity. There's a number of ways to accomplish this:

Write content -- on your own blog or for an existing blog -- demonstrating your knowledge and writing ability.

Build your social media reach. Start conversations on Twitter or leverage LinkedIn to connect with other professionals.

Demonstrate your passion for marketing by properly marketing yourself. If you can't market yourself, how will you market for others?17) Never burn bridges.

You know that annoying teacher's pet who never stops talking in class next to you? She may end up being your manager one day. Or your co-worker. Or the woman who gets to decide if a company hires you.

You never know where people may end up. In fact, last year I received a LinkedIn message from a young man who wasn't the nicest to me in high school. All of a sudden he was a total sweetheart and asking for a job referral -- you can imagine my response was, well, nonexistent.

18) Network with everyone.

Yes, you've heard this before. But the important part of networking is doing it with everyone. If you decide you want to work at XX company, don't only find ways to talk to people from XX company. Maybe that random stranger in the corner from Y company will one day be an employee at XX company, and then you'll be bummed you missed the opportunity to tell that person why you rock.

Point is, you never know who could end up helping you out the future. Get to know as many people as you can.

Miscellaneous

19) Get familiar with HTML/CSS.

You don't need to be a full-on engineer, but you do need to understand the basics. What happens when your web designer goes on vacation? What happens when you need to make a quick fix on your website? Or even just need to talk to your web designer?

You don't want to sound like a complete doh-doh head. Understand how coding works and be prepared to make little tweaks. If you end up in a product marketing role, this will be even more critical.

20) Understand the difference between B2B and B2C.

I'm surprised I was never exposed to such basic acronyms at school, but most businesses are classified this way. B2B = business-to-business. B2C = business-to-consumer. Look up the difference; it'll teach you a lot about different forms of marketing, and possibly where you want to work one day.

[nomanwalksalone]

AN INTERVIEW WITH KIMITOSHI CHIDA OF SAGE DE CRET

by David Isle

Kimitoshi Chida designs Sage de Cret, which has produced some of the most unique and enjoyable clothing to come through No Man Walks Alone, from last year’s rabbit fur fishtail parka(keep an eye out for this year’s version, soon to come to the No Man store) to the newly arrived patchwork jacquard coat, shown above. He kindly answered a few questions about his design process and vision.

David Isle: What are your early memories of fascination with clothes and fabrics? When did you know you wanted to be a designer?

Kimitoshi Chida: I think I got into fashion when I was around 15 years old. At that time in Japan, it was the beginning of the time that brands like Comme des Garçons and Yohji Yamamoto started presenting their collections. Even at that time, their items were really expensive but I paid for them with all of my money from my part-time job.

At that time, I think I admired the store staff more, I felt more familiar with them, and talked with them more than designers. I liked drawing since I was a kid, so sometimes I drew fashion designs for fun. After high school, I studied many things at a fashion school, it was then that I thought I would like to make clothes that I liked, that is why I became a designer.

DI: How do you feel about designing clothes that are often based off of American military styles? Has the Japanese use of those styles been going on for so long that you feel full ownership of it yourself, or does it still feel cross-cultural in a way?

KC: I feel that military style not only American, but also European and is beyond just a “fashion”. Things I take into consideration when I create my design, is to respect and appreciate the detail and form of the original item. Then I try to make the same detail with some modern touches.

DI: Sage de Cret collections always include really interesting fabrics, particularly those with special washes. Do you always know how a fabric is going to come out when you give it a particular treatment? Or do you have to take each fabric and wash it a bunch of different ways to figure out what’s going to work best?

KC: When ordering fabrics, I imagine the end result when picking out fabrics. After washing, most of them end up with the look that I expected. But sometimes it comes out a different image from my expectation. That can be good or bad, it depends on the situation. I always test 3 or 4 different washes and/or treatments before deciding. Among those I choose the one that goes best with the design.

DI: Do you think a lot about commercial viability while you’re creating the fabric? Do you ever come up with something incredible but decide that the process is just too laborious to sell the final product at a reasonable price?

KC: I can calculate the price somewhat when choosing threads, or fabrics. However I have had a couple of experiences where during the final treatment and manufacturing process we could only produce one piece per day, so we cancelled the product.

DI: I know tailors usually wash their fabrics before tailoring them as well. What’s the difference between what they do and what you do to fabrics That they iron their fabrics smooth again after washing? Or are you using different temperatures or different baths when you wash?

KC: I understand well why they wash their fabric before tailoring. Even if the fabric comes out ideally, it can get pulled, crushed and lose its unique feel, and it is altered.

I think they wash it to get it back to the original feel it had before getting altered. I am doing the same process, just after tailoring.

People tend to think we are doing the garment-wash to add wrinkles and a vintage look, but it is just one reason out of many. Putting a wash on the item, it not only gets back the original fabric’s feel, but also the lining gains a natural wrinkle and fit to the body. And the accessories like buttons get a shine. Furthermore the stitch gets to fit the fabric better. I also think that by adding a wash after tailoring, it harmonizes the outer shell, lining, details, and stitching.

DI: A lot of the fabrics also somehow combine ruggedness and sensuality - like the rabbit fur parka, which combines a heavily treated cotton shell and luxurious fur; or the stretchy duffle from last year, which looks like a rough fabric, but turns out to be really pliant and comfortable. Is that a tension you think about explicitly when designing?

KC: The thing I consider when I order fabric is to keep it refined and high quality. For instance, I don’t like to use thick thread for cotton shirts or chinos, it makes it look unrefined. I would rather use twisted threads of thin and fine yarn, and weave it to a high thread count. Then it gains a refined shine and a close wrinkle when it gets washed. The jackets may look a bit rugged, but actually they are made from a twisted thread with thin yarns to make it voluminous, and it makes a wrinkle because stainless steel thread is used.

DI: The treated fabrics always come out beautifully wrinkled and rumpled. How do you think about the fit of the garment when the fabric is already irregular? Does the fit just not matter at all at that point? Or do you just need to wear it loose enough to let the fabric drape and fall as it please?

KC: I believe basically that the final silhouette and size is a part of the design, so I always pay attention to it as much as possible. Since the comfort and silhouette depend on the texture and feel of the fabric, I make the design with the best balance I can.

DI: You only started selling Sage de Cret outside of Japan a couple of years ago. What has surprised you the most about the process of bringing SdC to the international market?

KC: 15 years have passed since Sage de Cret was established, and 4 years since it started presenting collections abroad. The Japanese market tends to set a high value on “phenomenon” more than “items” of the brand. The “phenomenon” means the story or history of the brand, high media-exposure in magazines or a celebrity’s favorite; it also means a brand-happy market. At the other hand, “items” means clothes themselves. Sage de Cret has set a high value on “items”. We are not a “phenomenon” brand.

Quality content, like quality clothing, ages well. This article first appeared on the No Man blog in September 2015.

[carmelofindlay]

Basics Of Car Title Loans

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[investmentpropertybuyers792-blog]

How To Solve Issues With Income Property Investments - Mjsproperties.Ca

How to Determine If a Property Is Worth Investing In

When it comes to investing in a rental property, the most crucial element in the entire process is to ensure that you find a property that has great potential for investment.

No, we 're not talking about a house's eye-catching beauty that will definitely get noticed, or even a property that absolutely doesn't need any repairs. Alternatively, the most critical factor at the end of the day is to find a property that will command the price you 're looking for, and produce returns that suit your cash flow goals.

Most of your success as an investor, though, includes finding a property that will yield the returns you 're looking for. And your ability to spot such a property will hinge directly on how well you've done your homework in advance. Instead of rushing in and buying a property because it ' just feels right 'or appears to be a good investment opportunity, operating with a more careful and proactive approach is absolutely essential. Do your field and property research, check with experts-local property managers, real estate agents, and fellow investors, and run the numbers. Never perform on guesswork.

If you're looking for a rental property launch, here are some tips that will help you spot a successful investment opportunity when you see one. Find out if the property you are searching for is worth investing in – before buying!

The property meets your criteria for investment

First of all, you'll want to make sure you have set investment criteria – and that the property in question is in line with that. To begin with, you'll want to set big-picture financial targets for each of your investment properties as well as smaller goals. So say that you want to generate $5,000 in passive income per month. So you would want to decide what kind of returns your assets will need to produce, and how much you will need to invest in. You are also going to want to determine what kind of properties you 're looking for. While many investors have great success with rentals from SFR, others prefer investing in duplexes – or other multi-family units. Be sure to do your homework and find out which one suits you best. See: Buying a Multi-Unit property in Rent EstateTM to get your start.

The area you have been investigating

Just as researching the property you are thinking of investing in is critical, you should also pay special attention to the area in which the property is also located. To make sure your future investment is in a solid location, get to know the town and surrounding areas.

Note, while you can do a great deal to improve the property itself, there is little you can do to improve the venue, so study carefully before you dive in.

The District

How is that neighbourhood? What about the nearby neighbourhoods? Do you have conveniences nearby? What's the other homes on the street in condition? Researching the neighbourhood will give you a clear idea of what kind of area you are buying in, and an indicator of the value of your house. If the neighbourhood is clean, friendly, and safe-your rental will also attract tenants who appreciate those things.

Design Symptoms

Another great tip is to look for a fantastic growth area. In fact, this is a great way to start your investment quest – by searching for an environment worth investing in, and then finding a home there that fits your requirements, rather than the opposite.

Tip: An area with an Amazon distribution centre coming in is one big indicator of economic growth. Between online shopping and retail developments all pointing to the expansion of digital shopping, last-mile infrastructure is becoming ever more important. When Amazon steps in, you can be assured that new jobs will be made, and lots of them. See: Looking for trends when you form your investment strategy.

You have the numbers running

Now let's look at some of the calculations you can do to decide if a property is worth investing in.

Law of 1 per cent

The rule of 1 per cent is a simple way to initially determine whether a property is worth considering. Simply take the upfront costs of buying the property (including any initial maintenance or improvement expenses) to enforce this rule. Now to get your average rent, measure 1 percent of that amount. Can you charge that for this house in that area? If not – then don't think about going deeper.

Cape Take

First, you may like the cap rate determined. It is basically the return you would be earning if you paid in cash for the land. Take your net profit (profit after expenses) and divide it by the cost of your asset, to find your cap limit.

So let's assume your property has cost $150,000, for example. Say you are sure you can rent it out for $1,100 a month. Subtract your expenditures from this sum now, let 's say with $700 that leaves you. That means that your net operating income is $700 a month, or $8,400 a year.

$8,400/$150,000 = 0.056 or 5.6%.

Is this a fairly good return? This depends – on your investment requirements and what you're very pleased with. If you can get reasonable tenants and the property in a good area that is expected to grow well, you may be happy with that. If it's an older property in a less than desirable area in need of a lot of work, then it may not be worth taking the risk.

You saw what other properties are available for rent

Determining the rent price of surrounding homes is one of the best ways to determine if a property will be financially valuable to you. Check out websites like Trulia and Zillow and consider reaching out to a local Realtor or property manager if you're serious about a property in question to see what advice they can give you on rentals in that location, and see if your rental estimates are actually rooted.

Alternatively, you might want to consider buying a rental that's all ready to go – turnkey. It will not only stop you from struggling to locate occupants while sitting bare, but you will also know exactly what to expect when it comes to producing returns. Instead than trying to make educated assumptions based on similar assets, you'll be able to instantly know if the property itself is a good investment; one that matches your investment requirements.

You saw multiple properties

While you that be tempted to go with the first property that catches your attention, it's best to check around on one property until landing. Not only will you get a better idea of what's out there, but you'll also be able to understand more accurately if this property is the right investment option for you and give you a better sense of your target area. Browse through various neighbourhoods and different properties in different price ranges to get a more detailed understanding of which place you want to concentrate on.

You have set all the costs in advance

Before you invest, it is critical that you measure all the estimated costs and operating costs accurately. Make sure you do some sleuthing, correctly measure your expenses, and add 10 percent to your final figure to give you a little bit of a buffer if taxes increase or other items end investment property buyers up being more costly than expected. Many expenses include insurance, emergency repairs , maintenance, utilities (if you pay them), vacancies, as well as professional fees – land management, accounting fees, and legal services , in addition to the mortgage. Pre-running the numbers will help you gain a more accurate understanding of the form of returns you will be producing.

It has a low unemployment rate

The local vacancy rate is a further relevant factor. If you invest in an area with a vacancy rate higher than about 5%, you could make a risky decision. Ideally, you'll want to find a lower-rate area, or one that drops. It is especially important if you're in it for the long term and are looking to invest in properties where rental demand is high.

You have a Strategic Strategy

One of the benefits of investing in long-term rental property is to have a good property management strategy. For many investors, this involves enlisting a professional property manager's services – who will be able to take on all the day-to-day responsibilities as well as the larger tasks of property management. This is especially important if you are planning to buy multiple properties – or out-of-town rentals. Don't find another part time job for yourself! The best option is to locate a good property manager – before you buy a property for investment. This is a good idea even if you are initially planning to manage the property yourself. That way, if you decide to outsource it down the road, you'll have options.

When it comes to real estate investment, you will be fully informed of your best option. Research to find an area that is expected to expand, and study by running the numbers for each property you 're interested in to make sure it matches your requirements. Using this strategy, you will be off to a great start, and will be able to assess the investment value of a property far more accurately.

[gothrapxxx]

It prevails to put 20% down on a home, but lots of loan providers now permit much less, and first-time home buyer programs allow as little as 3% down. However putting down less than 20% may indicate higher costs and paying for private mortgage insurance, and even a little down payment can still be substantial. For example, a 5% deposit on a $200,000 home is $10,000. Play around with this deposit calculator to assist you arrive at a goal quantity. Some tips for saving for a down payment include setting aside tax refunds and work bonus offers, establishing an automatic cost savings plan and utilizing an app to track your progress. There are lots of mortgage choices out there, each with their own combination of benefits and drawbacks. If you're struggling to come up with a deposit, check out: Conventional home mortgages that comply with standards set by the government-sponsored entities Fannie Mae and Freddie Mac, and need as low as 3% down. Federal Real estate Administration loans, which allow down payments as low as 3.5%. Veterans Affairs loans, which sometimes require no down payment at all. The quantity you put down also affects your month-to-month mortgage payment and rate of interest. If you want the tiniest mortgage payment possible, opt for a 30-year fixed mortgage. However if you can pay for bigger regular monthly payments, you can get a lower rate of interest with a 20-year or 15-year fixed loan. Use our calculator to figure out whether a 15-year or 30-year set mortgage is a much better suitable for you. Or you may prefer an adjustable-rate mortgage, which is riskier but ensures a low rates of interest for the very first couple of years of your mortgage. In addition to federal programs, numerous states provide assistance programs for novice home buyers with advantages such as down payment help, closing expense help, tax credits and affordable rate of interest. Your county or town might also have novice home purchaser programs. Prior to you begin searching for your dream Homes For Sale Southern Highlands, Las Vegas NV Realty, you need to know what's actually within your rate variety. Utilize this home cost calculator to identify just how much you can safely manage to invest. When making an application for a home loan, your credit will be among the crucial factors in whether you're authorized, and it will assist identify your rates of interest and potentially the loan terms. So check your credit before you start the homebuying procedure. Contest any errors that could be dragging down your credit rating and look for chances to enhance your credit, such as making a dent in any outstanding debts.

How can I realty invest

1. Don't Hypothesize 2. Do Not Over-Improve Your First Flip 3. Dig Deep 4. Discover an Expert 5. Keep Your Eyes Open 6. Thoroughly Screen Tenants 7. Develop Your Budget plan 8. Value Your Time 9. Know Your Exit Technique 10. Start Small 11. Do Not Skip the Education Step 12. Compare Earnings And Future Worth 13. Learn The Market 14. Don't Go at it Alone 15. Base Your Choice On The Cost To Buy And Update 16. Ask If It's A Good Investment 17. Keep Your Feelings In Examine To keep your rating from dipping after you obtain a mortgage, prevent opening any brand-new charge account, like a charge card or automobile loan, till your mortgage closes.

Numerous Homes For Sale Southern Highlands, Las Vegas NV Real Estate buyers get a rate quote from only one lender, but this often leaves cash on the table. Comparing mortgage rates from a minimum of three lending institutions can save you more than $3,500 over the first five years of your loan, according to the Customer Financial Defense Bureau. Get at least 3 quotes and compare both rates and charges. As you're comparing quotes, ask whether any of the lending institutions would enable you to purchase discount rate points, which indicates you 'd prepay interest up front to secure a lower rate of interest on your loan. For how long you plan to stay in the home and whether you have cash on-hand to purchase the points are two essential factors in identifying whether buying points makes sense. You can utilize this calculator to choose whether it makes good sense to buy points. You can get pre-qualified for a mortgage, which simply offers you a price quote of just how much a loan provider may want to lend based on your income and debts. But as you get closer to purchasing a home, it's smart to get a preapproval, where the loan provider thoroughly analyzes your financial resources and validates in writing how much it's willing to lend you, and under what terms. Having a preapproval letter in hand makes you look much more major to a seller and can give you an edge over purchasers who haven't taken this action. You'll be working closely with your Homes For Sale Southern Highlands, Las Vegas NV Agent, so it's necessary that you find someone you agree well. The best buyer's agent need to be extremely experienced, motivated and well-informed about the location. You may presume you'll buy a single-family home, which could be ideal if you desire a huge backyard or a lot of room. But if you're willing to sacrifice area for less upkeep and extra features, and you don't mind paying a house owners association fee, a condominium or townhouse could be a much better fit. However even if the home is right, the area could be all incorrect. So be sure to: Research study close by schools, even if you don't have kids, because they affect home worth. Look at regional safety and crime stats. Map the closest medical facility, drug store, supermarket and other amenities you'll utilize. Drive through the area on different days and at various times to check out traffic, sound and activity levels. Look at properties that cost less than the quantity you were approved for. Although you can technically manage your preapproval amount, it's the ceiling-- and it does not account for other regular monthly expenditures or issues like a damaged dishwasher that develop during homeownership, specifically right after you buy. Shopping with a firm spending plan in mind will also help when it comes time to make an offer. In a competitive Homes For Sale Southern Highlands, Las Vegas NV Realty Agent market with restricted stock, it's most likely you'll bid on houses that get numerous offers. When you discover a home you enjoy, it's tempting to make a high-priced offer that's sure to win. However don't let your emotions take control of. Shopping below your preapproval quantity produces some wiggle room for bidding. Stick to your budget to avoid a mortgage payment you can't afford.

When you're visiting homes during open houses, pay very close attention to the home's general condition, and know any smells, stains or products in disrepair. Ask a great deal of concerns about the home, such as when it was developed, when products were last changed and how old key systems like the cooling and the heating are. If other prospective purchasers are seeing the home at the same time as you, do not hesitate to schedule a second or third visit to get a better look and ask concerns independently. With so much to think of, it's unsurprising that some first-time home purchasers make errors they later are sorry for. Here are a few of the most typical risks, in addition to suggestions to assist you avoid a similar fate. In addition to saving for a down payment, you'll require to budget for the cash required to close your mortgage, which can be significant. Closing expenses typically run between 2% and 5% of your loan quantity. You can search and compare rates for certain closing costs, such as property owners insurance, home inspections and title searches. You can likewise settle expenses by asking the seller to pay for a portion of your closing costs or negotiating your real estate agent's commission. Calculate your expected closing costs to help you set your spending plan. When you've saved for your down payment and budgeted for closing expenses, you should also set aside a buffer to spend for what will go inside the house. This includes furnishings, home appliances, rugs, updated components, brand-new paint and any improvements you might wish to make after moving in. It's easy to take a look at properties that fulfill your present requirements. But if you prepare to begin or broaden your household, it might be more effective to buy a larger home now that you can become. Consider your future needs and wants and whether the home you're thinking about will match them. A lot can be up for settlement in the homebuying process, which can result in major cost savings. Exist any major repair work you can get the seller to cover, either by fully handling them or by providing you a credit adjustment at closing? Is the seller happy to pay for any of the closing costs? If you're in a buyer's market, you may find the seller will haggle with you to get your house off the marketplace.

How can I begin in property investing?

1. Buy REITs 2. Use an online realty platform 3. Buy rental homes 4. Spruce up and resell homes 5. Rent out a room After your offer is accepted, you'll spend for a home examination to take a look at the property's condition inside and out, but the results will just inform you a lot. Not all assessments test for things like radon, mold or insects, so make sure you know what's included. Ensure the inspector can access every part of the home, such as the roof and any crawl spaces. Attend the examination and pay attention. Don't be afraid to ask your inspector to have a look-- or a closer appearance-- at something. And ask questions. No inspector will answer the concern, "Should I purchase this house?" so you'll need to make this decision after reviewing the reports and seeing what the seller wants to repair.

Prior to you close on your new house, your lending institution will require you to buy homeowners insurance. Search and compare insurance coverage rates to discover the best rate. Look carefully at what's covered in the policies; opting for a less-expensive policy generally implies less defenses and more out-of-pocket expenditures if you sue. Likewise, flood damage isn't covered by house owners insurance, so if your brand-new home remains in a flood-prone location, you might need to purchase different flood insurance coverage. The challenge of purchasing Homes For Sale Southern Highlands, Las Vegas NV Realty Agent for the first time can seem so challenging that it's tempting to either just go with the first house that falls in your price variety or continue to rent. To assist you debunk the procedure and get the most out of the purchase, we'll analyze what you'll need to consider before you purchase, what you can anticipate from the buying process itself, and some handy suggestions to make life simpler after you buy your very first home. The first thing you'll need to determine is what your long-term goals are and after that how home ownership harmonizes those plans. It could be that you're just wanting to transform all those "wasted" rent payments into mortgage payments that in fact lead to you owning something concrete. Others see home ownership as a sign of their self-reliance and enjoy the concept of being their own property owner. Limiting your big-picture homeownership objectives will point you in the ideal instructions. You have a number of alternatives when buying a residential property: a standard single-family home, a townhouse, a condo, a co-operative or a multi-family building with two to four units. Each alternative has its advantages and disadvantages, depending upon your homeownership objectives, so you need to decide which kind of property will assist you reach those objectives. You can likewise minimize the purchase rate in any classification by choosing a fixer-upper, although the quantity of time, sweat equity and money involved to turn a fixer-upper into your dream home might be a lot more than you anticipated. While it's excellent to keep some versatility in this list, you're making possibly the greatest purchase of your life, and you are worthy of to have that purchase fit both your needs and wants as carefully as possible. Your list needs to consist of standard desires, like community and size, all the way to smaller information like bathroom design and a kitchen that includes reliable devices. Before you start going shopping, it's important to get an idea of just how much a lending institution will really be willing to give you to buy your very first home. You might believe you can manage a $300,000 place, however lending institutions may think you're just helpful for $200,000 depending upon factors like how much other financial obligation you have, your monthly earnings and for how long you've been at your current task. (For an introduction to the terminology and structure of a mortgage, read our guide Mortgage Basics.).

On the other hand, often a bank will provide you a loan for more house than you really wish to spend for. Just like with the purchase of a new vehicle, you'll wish to look at your home's overall expense, not simply the regular monthly payment. Obviously, taking a look at the month-to-month payment is also important, along with just how much deposit you can pay for, how high the property taxes remain in your selected community, just how much homeowners insurance coverage will cost, how much you expect investing to keep or enhance your home, and how much your closing expenses will be. (For aid deciding what mortgage type is best for you, check out "Shopping for a Mortgage" and "Make A Risk-Based Mortgage Decision.").

How can I invest home?

1. Make Sure it's for You 2. Pay Down Debt First 3. Get the Down Payment 4. Be Careful of Greater Rate Of Interest 5. Compute Your Margins 6. Don't Buy a Fixer-Upper 7. Compute Running Expenditures 8. Determine Your Return 9. Get a Low-Cost House 10. Discover the Right Area Now that you have actually chosen to start, let's explore what you can anticipate from the home buying process itself. This is a chaotic time with deals and counteroffers flying intensely, but if you are gotten ready for the inconvenience (and the paperwork), you can get through the process with your peace of mind more-or-less intact. Here is the fundamental development you can anticipate:. Make sure to take advantage of all the available choices for finding homes on the marketplace, consisting of utilizing your realty agent, searching for listings online and driving around the neighborhoods that intrigue you searching for for-sale signs. Likewise put some feelers out there with your pals, family and service contacts. You never understand where an excellent recommendation or lead on a home may come from. Novice property buyers have a wide variety of alternatives to help them enter a home, consisting of federally backed loans and loans for those who don't have the standard 20% minimum down payment. Your state may also have its own programs for novice property buyers. Your mortgage rate of interest will likewise have a major impact on the overall cost you pay for your home, so shop around. It will really settle. (To read more, take a look at our slideshow, "Financing for First-Time Homebuyers."). Your Homes For Sale Southern Highlands, Las Vegas NV Realty will assist you decide how much money you wish to use for your home together with any conditions you wish to request, like having the purchaser spend for your closing expenses. Your agent will then present the offer to the seller's agent; the seller will either accept your deal or release a counter-offer. You can then accept, or continue to go back and forth until you either reach an offer or choose to call it quits. If you reach an arrangement, you'll make a good-faith deposit and the procedure then transitions into escrow. Escrow is a short period of time (often about 1 month) where the seller takes your home off the marketplace with the legal expectation that you will buy the house-- offered you don't find any severe problems with it when you check it. (For more on the escrow process, read "10 Difficulties to Closing on a New Home."). Even if the home you prepare to purchase seems perfect, there's no alternative to having a qualified expert examine your potential new home for the quality, security and overall condition. If the home examination reveals major flaws that the seller did not reveal, you'll generally be able to rescind your offer and get your deposit back. Negotiating to have the seller make the repair work or discount rate the asking price are other options if you find yourself in this scenario. (For pointers on coming out ahead in any settlement, read "Getting What You Want."). If you have the ability to work out a deal with the seller, or better yet, if the inspection didn't expose any significant problems, you need to be ready to close. Closing generally includes signing a ton of documentation in a really short time period, while hoping that nothing falls through at the last minute. Things you'll be dealing with and paying for in the final stages of your purchase might include having actually the home appraised (mortgage companies require this to secure their interest in your house), doing a title search to ensure that no one aside from the seller has a claim to the property, getting private mortgage insurance or a piggyback loan if your deposit is less than 20%, and finishing mortgage documentation. (For more on the mistakes of private mortgage insurance coverage, take a look at "6 Reasons to Prevent Personal Mortgage Insurance" and "Outsmart Private Mortgage Insurance."). You have actually signed the papers, paid the movers and the brand-new place is beginning to feel like home. Video game over right? Not quite. Let's now take a look at some final suggestions to make life as a brand-new homeowner more fun and protect. With homeownership comes major unexpected expenditures, like changing the gutter or getting a new hot water heater. Start an emergency fund for your home so that you won't be caught off-guard when these expenses inevitably develop. (To make saving for your emergency fund a breeze, check out "Construct Yourself an Emergency Fund."). With the big amount of cash you're taking into your home, you'll wish to make certain to take outstanding care of it. Regular maintenance can reduce your repair costs by allowing problems to be fixed when they are small and workable.

It doesn't matter what your home deserves at any given moment-- except the minute when you offer it. Being able to select when you sell your home, instead of being forced to sell it due to task moving or financial distress, will be the greatest factor of whether you will see a solid make money from your investment. Even though you own a home, you ought to still continue to conserve the maximum in your retirement savings accounts each and every year. Although it might appear hard to believe for anyone who has actually observed the fortunes some individuals made during the real estate bubble, you will not necessarily make a killing when you offer your house. If you want to look at your home as a source of wealth in retirement, consider that as soon as you have actually settled your mortgage, the cash that you were investing in regular monthly payments can be utilized to fund some of your living and medical expenditures in retirement. (To learn how to get the most for your house when it is time to offer, have a look at "Repair It and Turn It: The Value of Improvement."). This short summary must assist put you on the path toward completing any gaps in your home-buying knowledge. Bear in mind that the more you inform yourself about the procedure in advance, the less demanding it will be, and the more likely you will be to get your home you want for a rate you can afford-- and with a smile on your face.

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Tips To Buying The Best Car For Your Personal Needs

Volkswagen In Lynchburg VA shopping is something many folks wish they didn’t ever have to do. Perhaps it is because it is time-consuming to find a new vehicle, or maybe there are just so many issues to consider. This article has information about making a Volkswagen in Lynchburg VA purchase a more positive experience for you. Continue reading for more information.

What do you want out of your new car? How much can you afford? How many passengers will be in the car? What is the type of gas mileage you’ll need? How many doors do you need for your car? Make some notes about the things you really want the car to have, and take the list along.

When you go car shopping, you must know what you need before you leave the house. How much can you afford? What number of passengers must fit inside the vehicle? What kind of gas mileage do you want? Do you want a two door or a sedan? Make a list of everything you want, and take it with you so nothing is forgotten.

Don’t let a salesperson talk you into buying a vehicle you can’t afford. Many people get hoodwinked into buying a sports car because salespeople say the person looks good in it. Remember that the salesperson’s goal is to earn a good commission, so he or she benefits when you are convinced to purchase a pricier vehicle.

Never let salespeople talk you into a Volkswagen that is beyond your means. Many people are smooth-talked into buying sports cars because the salesman says they would look good in it. Remember, the more expensive the car, the more commission he or she will make.

Look for deals online. Sometimes, you may find the deal of a lifetime on the web. Once you have found the perfect vehicle, you can either drive to the dealership offering the vehicle or go to your dealership and have them purchase the vehicle for you. If the dealership that has the vehicle is not too long of a drive, consider making the trek to save the most money.

Make sure you know about the dealer prior to negotiating for a vehicle. You are sure to have more success in your negotiations if you already know how they typically do business. You can also learn which dealers to avoid completely through reviews by former customers.

Research your dealer as much as you do the models you’re interested in. You’ll negotiate better if you know what they’re able to offer you in financing and trade practices. You can also learn which dealers to avoid completely through reviews by former customers.

Overall Price

Pay attention to whole price of the car, not just the price you have to pay every month. Though the dealer can negotiate a monthly price for you, keep in mind that these monthly payments add up, and in the end, the cost of your car could be through the roof. Focus your negotiating on getting the best deal possible on the total price and financing you receive. Use that number, then calculate the optimal monthly payment amount.

Focus on the overall price, not the monthly price, in negotiations. Dealers will do anything and everything to get you that monthly price, even if it means saddling you with higher expenses and interest over the years. Instead, get the best financing and overall price you can. After, work out a monthly fee you can afford.

Prior to buying a car, make sure you test drive it. This will give you a feel of how good the car drives. There may just be something going wrong with it that you didn’t know about until you took it for a test drive first.

Set a budget before visiting a dealership. When you go Volkswagen shopping, don’t go above a set maximum no matter what you’re getting told by the dealer. The dealer isn’t the person that will pay your car off, you have to do it yourself.

Safety features are essential for any car. Anti-lock brakes are an absolute must for any car. Air bags should also be present; the more of them there are, the better off you are. You are needing to use this vehicle a lot, so safety is important.

Before you begin your Volkswagen shopping journey, go to the bank and get pre-approved. This will be for the security that you have. Usually the dealership’s finance department can find a better rate for you than a bank, but it can help if you find what interest rate you’re looking at prior to shopping.

When you’re looking for a vehicle, think about how the fuel economy can affect you. You may feel the need to buy a V-8 that can tow things. However, you must think about when you’d actually use the feature. If you don’t use it much, it’s not worth the extra running costs.

Look for great deals on used cars on the web. You really don’t have to go to a dealership anymore. Instead, look on eBay, Craigslist and your local classified ads. That way, you can make a fair deal without pressure.

A great way to test out a car is to rent the model you desire. This allows you to learn more about the cars you are considering. Take your family out on a road trip in the car and really see if it is a good fit. This is an effective way to get acquainted with that type of car before you make the commitment to purchase.

Lynchburg Va

Try and purchase your vehicle towards the month’s end. Most car dealers have quotas for their salespeople that they are trying to meet at this time. When the month is nearly over, you can get a better deal, since your salesman may be trying to meet his quota.

When purchasing a used car, it’s important that you do thorough research. You can find a lot of information on the Internet. Kelly Blue Book is a great resource to determine the value of a Volkswagen in Lynchburg VA. If this dealership is selling you a Volkswagen in Lynchburg VA for much more than these two sources state, go to another dealership.

You might have an exact picture of what you seek, but getting it might not be perfectly possible. Maybe you see cars with the features you enjoy, but there just aren’t any cars that have exactly what you want now. Don’t turn down a car simply because it doesn’t contain the heated seats that you want.

Think about gas mileage when Volkswagen in Lynchburg VA shopping. A more economical Volkswagen in Lynchburg VA might cost you a little more upfront, but it can also save you thousands of dollars on gasoline over the course of five years. Consider this when you’re thinking of getting a new vehicle and consider your budget long term as well.

When you want to shop for cars, you need to have a friend with you that has little interest in your car purchase. They can make sure you will not make stupid mistakes. You need to take a friend with you when shopping so they can help.

The second you feel like you’re being bullied or intimidated, leave. Do not feel embarrassed about leaving. Tell an untruth if necessary. Move on! You have many other options, and you don’t have to put up with such tactics.

Have a firm price in your mind before you set foot in an auto dealership. The price should come from how much you feel comfortable paying, along with the general price of the vehicle that you’re considering buying.

Wait a bit before purchasing the newest model. If you get a car that just came out, it will cost you quite a bit more than if you just wait. Wait a few months while the hype dies down, then go make your purchase.

Call the dealership to find out if they have the model you want in stock. Salespeople will try to sell you the car at all costs if they have them available. If you are looking for a specific car that isn’t in stock, going there is just wasting your time. Give them a call to avoid this hassle.

The end of a month is usually the best time to go car shopping. The individuals working on the Volkswagen in Lynchburg VA lot have goals to meet. Your sale could mean the different between success or failure. Take your time and engage in negotiations. See how low you can bring down the price.

Avoid As-is warranties when purchasing used cars. It can be a very bad choice. The dealer needs to give you a 30 to 90 day guarantee if you’re buying a car. If your engine or transmission is destroyed on the day that you buy the vehicle, then you are going to be the one responsible for fixing the repair.

Educate yourself about incentives before embarking on the negotiation process. You have to understand how much your trade-in will garner, warranty information, which rebates are available and more. The more you know about your options, the easier it will be to negotiate a fair price when you visit the dealer.

A salesperson is trying to earn a lot of money. It seems to go without saying, but it is easy to forget with a charismatic salesman. Beware the extras and add-ons that can get tacked on at the end of a sale. It is not uncommon for inexpensive cars to become costly through add-ons.

Check the service department of your desired dealership. Check with others to find out how satisfied customers are with the service. Give the department a call and ask for advice you’ve looked up the answer to and test them. Choose a knowledgeable dealer and this can help ensure happiness.

Learn as much as possible about each service department as you make a list of dealerships that you plan to visit. Do your best to check out different customer reviews via blogs, forums, friends and family. Call the department yourself and test them on a question to which you already know the answer. Choose a knowledgeable dealer and this can help ensure happiness.

Look for an advertising fee included in the price of your Volkswagen, and if you find one, have it removed. You should never pay such a fee. If they insist on keeping it, tell them you’re walking out on the deal. They are sure to reconsider their refusal.

Consider buying your next vehicle close to the month’s end. Dealers have quotas to meet. Buying a car at month’s end helps them ring up the last-minute deals so that they can beat the quota. This could be an opportunity for you to negotiate and get a lower price.

You can now mention a trade-in after you are given an offer that you are happy with. You may not get the best deal for your old Volkswagen in Lynchburg VA, but you should be flexible as you do have a sales price on the new car you like. Now, you must make the sale.

The car you choose should be known to need few, inexpensive repairs. There is no reason to invest in your car month after month! View reviews online to learn about the models you are interested in.

Now that you’ve read this article, start thinking about your next Volkswagen in Lynchburg VA. You should use these tips to car shop so you can be happy with your purchase. Don’t give up and keep trying, and you’ll be driving a Volkswagen in Lynchburg VA you’ll enjoy in no time.

Don’t get your heart set on one car in particular. Usually most car manufacturers offer all type of cars. For example, you can get a compact car from all three of these major dealers. When you comparison shop, you’ll find a great car with the features you desire.

Many people would like to understand great deal on Volkswagen in Lynchburg VA, but they don’t always know how they should go about it. Thankfully, this article contains excellent tips to help you move ahead. Use the information you’ve learned, and get busy.

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Hey there! After lurking for a while on this subreddit, I feel like this is a good time to share some important learnings of the last few months.TLDR: For the past 6 months me and my co-founder have been working on a new SaaS product called Mailbrew, and decided to ignore the "ship fast, iterate later" mantra. In fact we kept the product in private beta for months and iterated on it a lot based on early users feedback. Today, we are launching it and I want to share with you the lessons learned in these past few months.So here are some of the most important learnings for me and my co-founder during this long beta.You should manually onboard your first usersOctober 2019. For the first time, we've decided to manually onboard the first Mailbrew users. We've had this big and growing early access list (I think 800 people then) and we picked a few that we knew, or we felt were a good fit.We've asked these people to join a quick 30min call with us, so we could ask some questions and explain the product.Well, I can't even think of not having the insights these calls gave us in the first few months of work.Thanks to these calls:We basically realized that some of our core assumptions about the product were plain wrong.There were some huge gaps and issues with your UX that we simply couldn't see, because of all the things we were taking for granted.We had a much better understanding of the real problem we should try to solve.Some tips for people who want to do these calls:If you set 30 minutes time slots, set a timer for 25 minutes before starting the call. It's super hard to just cut the call when the time ends, so leave a small buffer for ending them.When you ask to describe the product, or what they want to achieve with it, try your best to not put any words in the user mouth. You need to focus on what language they use to describe their problem, how they want to solve it, and how they see your product.Common questions like "How did you find out about us?" are pretty useless. Ask things you really want to know, and that can give you actionable insights.When you give them access to your product, ask them politely to share their screen, and take notes while you see how they interact with it.Remember to ask about pricing. You should ask what they think it's a fair price, and what is an expensive price that they would still be willing to pay. This last one is a good reference for your price point.Mistakes we made:In hindsight, we should have scheduled just one call each day, maybe two. Instead there was this one time when we had 3 calls in a row and it was exhausting. Each call requires focus and attention so absolutely don't be overbooked.Monetize early onAs soon as we finished working on our monetization, we launched and put all our early users in trial. This isn't the easiest thing to do: the product was still in its early stages, with only few features available.Still, knowing if your users are willing to pay for your service and I mean, actually paying, not just saying they would pay is the single most important information you need.Almost immediately after implementing it in early January, one of our early users jumped on the highest plan.This was a "Pro" plan that only had one feature actually developed, but Pat decided to jump onboard early on.I think engaging our early users, asking for feedback, and pushing steady updates to the app showed a lot of commitment, and this helps in converting the first few users.Mistakes we made:Our first paywall/pricing page was really well made, but it was too tailored for one pricing strategy. You might need to add plans, remove them, have a free plan or not and so on. So make sure to build things in a way that can accommodate this changes later. We basically had to rewrite monetization from scratch before launching.Understand your positioningSince the start, we had various ideas of what this product was:A service to get automated emails from any sources.A way to follow your favorite topics.A tool to stay in touch with everything you need.A way to unplug from feeds and reduce FOMO.These can all be true for us, but it's important to understand how the majority of users view your product, and what positioning resonates the most with users.For example, in early February I've started sending a survey to our users asking them to complete some sentences.The first one is completely open:Briefly describe Mailbrew, as you would do with a friend: ...Then were the sentences to complete:Mailbrew is valuable to me because...The main problem Mailbrew solves is...What makes Mailbrew unique and different from other apps is...If I couldn't use Mailbrew anymore I...My main issue with Mailbrew is...My main feature request is...This survey gave us fantastic insights on how our users perceived the product a few weeks after they joined the beta.One response in particular really spoke to us, and also became an amazing testimonial:"Mailbrew is the taming of the firehose that is today's online information landscape. For the first time, I feel like I can keep up with the things I love without getting completely overwhelmed or falling into infinite rabbit holes that the web is so good at getting us to fall into. Mailbrew is an information diet done right. It forces you to consider only that information which is essential to you and then delivers it seamlessly and beautifully. No more having to check multiple sites. No more hunting for interesting things—it’s all right there, right in my inbox. It will save me heaps of time this year."See how far this is from "Mailbrew is a service to get automated emails from any sources".This helped us learn what the product really is, what actually problem it solves and how we can explain it. This informed a lot of design decisions for our landing page.Define your key metrics, and stick to themI have a personal tendency to get attached to some metrics and over-analyze them. I like watching numbers grow, spotting trends, and calculate the path to profitability.By while monitoring your metrics can be fun, many of the numbers about your product and its users are meaningless and even distracting. So it's super important, especially in a beta phase, to define KPIs that are essential to your product success, and keep you eyes on those.After some iteration and some reading, we defined a system of metrics that help us keep our eyes on the ball. We used Mixpanel recommended system and decided to define a Focus Metric that is our north star, Level 1 Metrics and are essential to know the product is growing and it healthy, and Level 2 Metrics which are important, but secondary.Focus MetricPaying subscribersLevel 1 MetricsMRR ($)Net new subscribersCancelationsActivationOpen RateWAUAll Users RetentionLevel 2 MetricsSignups BreakdownFree vs. Paid UsersConversion to PayFree Users RetentionSubscription Cancels (brekdown by reason)Trials EndingThis is not a perfect system but it's helping us to have a great overview of how the product is performing, and spot any criticality.Mistakes we've madeFor a lot of time we didn't have this system, especially for other products, and we thought it's enough to know your conversion, MAU and other easily readable things to know if your products are ok. Well, after finally choosing to use a tool like Mixpanel and start tracking more metrics, our product work improved as a consequence.There are no hacksThis private beta also validated something we always thought true, at least for us: that there are no hacks. You need to relentlessly focus on building a great product, all the rest comes later.By doing the manual onboardings, putting serious thought into positioning, and really focusing on providing value to the users and not develop anything that isn't essential, we feel like users naturally value the productAnd that's why even before launching we sold a few yearly licenses, without pushing them particularly. This was probably the biggest validation and made us feel like we were on the right path.We're now launching with $150 MRR, which might not seem a lot, but it's more than $0 and it shows how things are starting to work.Thanks to this strategy, we're now putting our app out there in a state that we're really happy about, and we're sure that new user will at least understand what it is about, and have a good enough experience.For example, one of the latest additions was an onboarding that presents the user with a few automated newsletters already prepared by us. This is because in the beta we initially saw a very low activation rate (Signup → Read the first issues of a newsletter). Imagine launching without realizing this and missing out on many users that could appreciate your product but are just not onboarded properly.***This is it! Of course there are many more lessons to learn, and I really want to thank you all in this community. Seriously, it's been an incredible source of inspiration and insights during this journey, and also while building other products in the past.If you want to check out the product itself it's here.Feel free to ask me anything!

[maritzaerwin]

9 Tips for When You are Moving Across Country for Work

Moving for a new job or promotion is a life-altering event for you and anyone in your immediate family. You will all have your fair share of difficulty adjusting once you reach your new home. It can be difficult adjusting to a new town and a new job at the same time.

So, why not minimize the stress during the move there as well as during the preparation leading up to the move?

1) Figure Out If It’s Worth it Before You Make Your Decision

Whether you are considering moving to join a new company, moving to take a better position with your current company or for some other reason, you will need to step back, take a deep breath and objectively think about whether or not a move will be worth it for you and your family.

On top of thinking about it for yourself, you should also seek the advice of family and friends with whom you are close and can offer objective and informed opinions on the matter. It is always helpful to have outside perspectives on such important life decisions.

Most importantly, you should consider how this will impact you and your family’s overall and day-to-day happiness. This means that you should consider what the move will mean for your children, their education and their friends. It means you need to be sure that your spouse or partner is completely on-board with the move and if they are not, you need to discuss why that is.

Finally, you must be honest with yourself and figure out if you are taking the job for the money or for the quality of your life moving forward.

2) Start Planning Your Move as Soon as You Can

The sooner that you start to plan your move, the easier you will find the actual moving process. This means that if you are in charge of choosing a moving company, you should figure out which company that you want to use and book your move with them at least a month in advance of your moving date.

However, you are moving during the considerably busier summer months, you should book your move at least two months in advance. This will include the planning, preparation, and booking of your car shipment if you plan on having your car shipped. In the case of a car shipment, you should book your shipment at least one month in advance. You can read more about shipping your car below.

After that, you should figure out details such as how many boxes you will need during your move which you can do much more easily with this moving calculator. You should also purchase any other moving supplies that you think you might need at this point such as tape or gloves. You will also need to contact your health, auto and homeowner’s insurance to see what changes you will need to make both before and after your move.

When you are over a month out from your move you should also cancel any memberships local to your current location, such as a gym membership, so you do not end up getting stuck paying for a membership that you cannot use and do not need.

It is at this point that you will also need to decide whether or not you are going to travel with your pet or have them shipped to your new home. When you are driving or flying across the country, transporting your pet can be complicated and it can also turn out to be a real hassle as well.This is why many people end up choosing to ship their pets with a reliable and trustworthy pet transport company.

Finally, about two or three weeks before you move, you should take a trip to the post office and have all of your mail forwarded to your new address.

3) Do your Best to Avoid Moving During the Summer

More often than not, you will not be able to decide or influence when your relocation for work occurs. However, there are instances when you can, especially if you are the owner or part-owner of the company.

If you can decide when you are going to move, you should avoid moving during the summer because that is the busy season for moving. This means that prices will be higher and availability will be lower. However, on the bright side, if you are moving for a company that is deciding when as well as where you will move, there is a good chance that they will cover the cost of the move or at least part of it.

4) Don’t Just Hire the First Moving Company That You Find

Like any other service or product that you might be in the market for, you should comparison shop for your moving company. This will help you find a better value and a better price.

You can do this by researching the companies in your current area online. This is as simple as Googling “moving companies near me” or “moving companies in [TOWN NAME]” and compiling a list of the five to ten companies that catch your eye.

Then you can look at each company up individually on Google. When you do this, you should look at the reviews that past customers have left. You should pay attention to the overall star rating as well as what each individual review actually says. This is important because past customers could have specific input on things that are relevant to you such as how the moving company handles antique furniture.

After that, you can call each company, get a quote for your move, then compare the prices and availabilities to see what works best for you. Be sure that you get a confirmation from the company via e-mail with the date and time of the move. This usually tends to serve as the contract between you and the company.

5) Say “Yes!” to Moving Insurance

When you think you have the list you made of the top companies narrowed down to a couple, you should call each of those remaining companies and ask them about their insurance policies. This can be a great way to choose between them. Whatever you do, do not skip the moving insurance in order to save a few bucks.

Each company should offer several levels of protection. You should opt for “full value protection” because it offers the highest level of protection for your belongings.

However, each company’s “full value protection” will vary in terms of how much it costs. You can usually lower the cost of insurance by opting for a higher deductible but, just like medical insurance, the higher the deductible that you opt for the greater portion of any damage that occurs will end up being your responsibility.

It will also vary how they will compensate you for damage to your items. Some will offer to repair the item themselves; some will just pay you in full for the item’s original value, others will give you the current market value for the item. This is where you should question each company over the phone and get as specific information as you possibly can.

No matter what, make sure that you have moving insurance. The cost of replacing valuable items in case they get damaged can easily surpass the amount of savings you had by declining all insurance coverage.

6) Fly Across the Country Instead of Driving

Driving hundreds or even thousands of miles can be absolutely exhausting. It can also be quite time-consuming. When you consider the prospect of driving for several days before your actual move-in, you will likely be filled with anxiety and dread just at the thought of it. Instead, you should consider shipping your car to your new home. This way you can jump on a plane and relax. The best part is that it will take way less time than if you had driven there. You should book your flight about a month in advance, but not until after you book your car shipment.

If this is what you end up choosing to do (and you should), you need to know that you will need to book your shipment in advance. If you want the best chance of getting your preferred delivery window as well as the highest possibility of saving a few dollars, you should book your car shipment at least a month in advance.

When you are scheduling your shipment, you will just need to know the make, model and year of your car as well as the addresses of where you are shipping it to and from. In most cases, door-to-door transport is offered by the vast majority of vehicle shipping companies. However, if your pick-up or delivery address is on a street that is too small or against local laws for an auto transport carrier to drive on, you will need to coordinate a nearby location such as a mall parking lot for the pick-up/drop-off of your car.

You also need to know that there are a few yet simple things that you need to do in order to prepare for your car shipment. You should not worry about these things until the days immediately before your car is picked up.

You will need to get your car cleaned so that your auto transport driver can conduct their inspection for pre-existing damage. You will also need to make sure that you only have a quarter tank of gasoline in the car. Finally, you will also need to remove any personal items from the car as they will not be covered by any car shipping insurance if they are lost or damaged during transport.

The cost of car shipping is separate from the cost of the moving company. So, ask the job that you are relocating for if they would be willing to cover the cost or at least part of it.

7) Downsize as Much as You Can Before Your Moving Day

Prior to your move, you should get rid of as much as you possibly can from your home. This way you are not hauling any unnecessary weight on your move. At the very least, you will not end up having to go through the process of figuring out what to throw away as you simultaneously move which can easily get to be too much of a hassle.

You should also do this every week for a few weeks so that you can leave a little bit of what you are throwing away on the curb each week. This is easier than having to haul it all to the dump and less expensive than renting a portable dumpster which also has its own series of inconveniences.

8) Pack the Right Way

When you are packing, you need to make absolutely sure that you are doing so correctly. This includes things like labeling boxes with what’s inside, what room it goes in and your full name. So, an example would be “Blankets – Master Bedroom – John Smith.” This will help you and the movers un-pack much more quickly when you arrive at your new home. Having your full name on the box will discourage any theft by individual moving company employees.

You should also make sure that you or the packing company you hired are packing any fragile items the right way for a long-distance trip. You do not want anything to break just because it was hastily packed.

9) Be Sure That You Pay Attention to the Details

When you are preparing to move as well as when you are in the actual process of moving, you should always make sure that you are paying close attention to any and all details. This includes things like if you are shipping your car, you will get a “delivery window” which is usually a three-day period. Your car can get delivered at any point during those three days, so be ready to be home or have someone who is authorized to accept your delivery during that period at all times.

Other examples of details that you should be paying attention to in terms of your move are arrival times for yourself and the moving truck, planning where exactly everything will go in your new home, itemizing everything that your moving on a list than checking it over carefully when you arrive at your new home, and much more.

The post 9 Tips for When You are Moving Across Country for Work appeared first on CareerMetis.com.

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[chrisvarneyus]

APR vs. Interest Rate: Understanding The Difference?

As you consider your mortgage options, you need to know the difference between two key figures: the interest rate and the annual percentage rate (APR). These two numbers, both expressed as percentages, appear on the paperwork and truth-in-lending documentation that you receive when you qualify for a mortgage. Having a solid grasp of these two numbers will help you to understand how much your mortgage will cost so that you can determine which mortgage to choose.

The interest rate represents the cost of borrowing the principal loan amount of your mortgage. It can be a fixed or variable rate, depending on what you qualify for. The APR, however, is the bigger picture of the actual cost of your mortgage. It includes not only your interest rate but the other expenses from the lender that you’ll need to cover to satisfy the loan. As you shop, you’ll want to compare apples to apples, so pay close attention to both interest rates and the APR to arrive at the best decision.

The differences between the interest rates and APRs you’re quoted will affect the price you pay each month as well as the costs to pay off the mortgage entirely. Understanding these two sets of numbers will help you make an informed decision between different mortgage products.

What Are Interest Rates?

Simply put, your mortgage interest rate is how much it costs every year to borrow money from your lender. Your interest rate will be expressed as a percentage of your total loan balance. Every month, expect to pay the interest cost in addition to the payment of your principal.

What Factors Determine Interest Rates?

The interest rate of your loan will be determined by two main factors: prevailing market rates and your credit risk. Prevailing interest rates work with current market dynamics. Mortgage rates are tied to the basic rules of supply and demand. Factors such as inflation, economic growth, the Federal Reserve System’s monetary policy, and the state of the bond and housing markets all affect mortgage rates in the United States.

Apart from the prevailing market rates, your individual financial situation, or credit risk, will also have an impact on the rates that you’ll be offered.

These elements of your personal financial situation are all used to determine your interest rate:

Credit score

Credit history

Debt

Income

Employment history

Cash reserves

Down payment

Term and size of your loan

Fixed Rate vs. Variable Rate

Most loans have either a fixed or variable interest rate. Fixed-rate mortgage costs will remain constant. For instance, if you select a mortgage with a 5% fixed interest rate, each year you will pay 5% of your loan balance as interest. As time passes, more of your payment goes toward principal reduction.

Another available option is an adjustable-rate mortgage. Interest rates on adjustable or variable-rate mortgages are usually set for a certain number of months or years from the commencement of the loan. After that, the interest rate will either rise or fall. This depends on the market index that your interest rate is tied to and the margin that your lender adds to that. This type of loan makes sense in a situation where you can benefit from the lower initial fixed period (for example, if the initial interest rate is fixed for five years and you expect to move before that period is over) or you’re not overly concerned with interest rates.

What Is The APR?

The APR (annual percentage rate) offers the big-picture view of the total costs of a mortgage. It is a more comprehensive way to compare loans and includes the interest rate as well as the other fees and costs you’ll incur to secure your loan.

For a typical mortgage, the APR may include:

Closing costs

Loan origination fees

Underwriter fees

Mortgage insurance

Broker fees

Discount points (you can pay these at closing to secure a better interest rate on your mortgage and save money over the long term)

Rebates

Since the APR covers more than the interest that you’ll be paying on the loan, this percentage is almost always higher than the nominal interest rate. The only exception to this rule is if your lender is offering a rebate on a portion of your interest cost.

How To Calculate The APR

Just like the interest rate, the APR is usually presented as a percentage. Here’s an example calculation: you qualify for a fixed-rate $200,000 mortgage with a 6% nominal interest rate. All told, your closing costs, broker fees, mortgage insurance, loan origination fees, discount points, and underwriter fees add up to $5,000. This addition brings your new total loan amount up to $205,000. When you apply that 6% interest rate to this new loan value, your resulting annual mortgage interest payment becomes $12,300.

To solve for the APR, divide this annual payment by the original loan amount. In this case, the APR is 6.15.%

The exact formula for calculating your APR will depend on the terms of your loan (length, fixed or variable, etc.). A mortgage lender or broker can help you with these calculations.

How To Compare Interest Rates To APR

Should I use the APR or interest rate?

Now that you understand what interest rates and APR represent, it’s helpful to know when to prioritize each number to find the best solution for you. Make sure to consider the following:

Consider the length of time you plan to remain in your home. a) If you’ll complete your mortgage term and have no plans to move in the near future, the APR will be helpful in providing a comprehensive view of your anticipated costs. b) If you might sell your home or plan to refinance your mortgage at any point during the life of your loan, consider that these will add additional costs to your loan. The APR cannot account for costs outside of what is explicitly covered when you sign the loan paperwork. c) If you move or sell your home, determine the breakeven point in your mortgage and adjust your plans accordingly. Depending on your mortgage, a loan with a lower APR might cost less over the course of the entire loan but more in the first few years.

Consider the type of mortgage you’ll get a) For fixed-rate mortgages, the APR is a helpful indicator of what you can expect to pay. Make sure that you consider all applicable fees since a few might not be included in the APR provided by your lender—especially appraisals, title insurance examinations, or property surveys. b) For adjustable-rate mortgages, the APR is really anyone’s guess outside of the initial term.

Consider how much you want to pay each month a) For a lower monthly payment, focus on the interest rate. b) For lower overall costs of the loan, focus on the APR.

How do I compare rates among lenders?

Here’s what to look for to make sure that you’re comparing apples to apples.

Make sure that the principal is for the same amount—that the rates, terms, down payment, etc. are consistent.

Compare the APR of one lender to the APR of another.

Conclusion

Choosing a mortgage can be difficult. Thankfully, there are a lot of options, and brokers or lenders have to be up-front in showing you what costs you can anticipate. The interest rate and APR are both helpful gauges to use to compare the terms and rates of each mortgage product.

As you carefully consider each factor that goes into determining how much you’ll need to pay off your mortgage, understand that these two figures, the interest rate and APR, give you important snapshots of what you need to know. Spend time with your broker or lender to seek clarity and ask questions as needed. After all, you don’t secure a mortgage every day!

First of all, make sure that you compare apples to apples—that is, that terms, rates, down payments, etc., are consistent. Then, all other things being equal, consider the implications of the interest rates and overall costs to procure the loans. Depending on your circumstances, prioritize the interest rate or the APR in your initial search. Make sure to thoroughly compare the inclusions within the quoted APR to see which product best suits you.

If you have any other questions about interest rates, APRs, or mortgages in the Chicago area, feel free to contact us at A and N Mortgage. We’re happy to help!

  A and N Mortgage Services Inc, a mortgage banker in Chicago, IL provides you with high-quality home loan programs, including FHA home loans, tailored to fit your unique situation with some of the most competitive rates in the nation. Whether you are a first-time homebuyer, relocating to a new job, or buying an investment property, our expert team will help you use your new mortgage as a smart financial tool.

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from Loan News https://www.anmtg.com/mortgage-blog/faqs/apr-vs-interest-rate-whats-the-difference/

[unixcommerce]

Reduce Customer Churn With These 5 Digital Marketing Agency Growth Hacks

Here’s the reality: most marketing agencies go nowhere. Even fewer achieve scale.

So should you be leveraging growth hacks for your digital agency?

The answer should be: Why wouldn’t you be trying to grow your digital agency?

The number one excuse that holds Donkey agencies back from the wonderful world of Unicorn Agency Land is that they “don’t want to be a big agency.” Some marketing agencies will claim that they are a boutique agency. This typically translates to: “My marketing agency is stuck, and I don’t know how to scale it.”

But why grow your digital agency at all?

Three reasons to grow your digital agency:

For money. You can make millions. You can speak at all the cool conferences. You can become an internet sensation.

For a challenge. Some people do things because, “why not?”

For a purpose. Create a valuable service that truly helps people. Participate in job creation that also helps people.

And thus, we present my top 5 growth hacks for your digital agency.

Agency Growth Hack #1: Be a little bit delusional!

Doesn’t the old saying go, “Dream as if you’ll live forever, live as if you’ll die today?”

Sure, the quote might be about living life to the fullest rather than scaling a digital agency, but it can be applied the same way. If you can dream as if you’ll live forever, why can’t you dream as if you’ll develop the greatest digital agency in the world?

In order to grow a digital agency to the top, you need to project a bold vision of that agency. Take a look at my business plan for my first company, before I started MobileMonkey, from 2008:

The scale depicted by this plan shows the company’s total revenue increasing over one hundred times the starting amount in just three years. Talk about a lofty goal!

But, it worked.

The reason that having bold, bordering delusional, aspirations for your agency is the first step in scaling it is because of what these bold ideas attract (or rather, who).

A lot of people want to simply go to work, do the bare minimum to achieve their base goals, and go home. An agency with goals that show projection of over 100 times the starting revenue won’t attract these types of people. It’ll attract people that share those visions.

Having lofty goals for scaling your agency will attract the employees, partners, and investors needed to make those goals a reality.

Agency Growth Hack #2: Deploy the customer churn detectors and churn busters!

In order to successfully grow your digital agency, you need to have customers. But not just any customers – you need customers with a long customer lifetime – meaning they stay customers for a while!

The longer the customer lifetime, the more profitable the customer is. If you are churning customers after just a couple months, your agency business is not going to grow.

You want to retain customers for at least a year; better yet, keep them for over a year! The best you can do is to keep a customer for 18 or more months. This means they are likely to stick with you for the long haul, and will be the most profitable.

The average customer lifetime for marketing services is around 13 months.

How can you predict customer churn?

There are several ways that you can predict customer churn, and, using those predictions, you can take action to eliminate the possibility beforehand!

4 Ways to Predict Customer Churn

The biggest predictor of customer churn is the type of client option that your customers choose. Customers that choose the month-to-month client option tend to churn at a rate two times higher than the rest, because it’s the path of least commitment.

So what’s the churn buster in this situation? Eliminate the path of least commitment!

If you eliminate the month-to-month client option, you’ll sell less customers, but the customers you do sell will stay on for longer and be more profitable in the end, thus helping you grow your agency.

The second biggest predictor of churn is the customer’s pre-existing monthly advertising budget. This can also be viewed as the customer’s pre-existing commitment to the marketing channel.

Usually, the higher the monthly advertising budget, the more the customer has bought into whatever form of marketing your agency provides. This makes the customers more committed and thus, better customers. The most committed quartile of customers will churn at half the rate of the bottom quartile.

So what’s the answer here? How do you bust this churn?

Go up market! If you focus on finding bigger customers (much bigger customers), you’ll likely have fewer customers, but the customers you do have will have much bigger budgets and be far more committed to the marketing channel. These will be better customers overall and result in a higher profit for your agency.

The third biggest predictor for customer churn is mis-set customer expectations, or when you can’t live up to sales promises.

The way to defeat this problem is to look at the average customer value based on the sales representative who sold it. This way, you’ll be able to see if one particular sales rep is causing customers to churn; then you can take action accordingly.

Another way to deal with this problem is to disincentivize selling bad clients. For example, if you don’t pay your commission checks until 30-60 days into a client engagement, your sales representatives will be less likely to promise things that can’t be provided in order to gain more customers.

The fourth biggest predictor of customer churn is the 90-day Net Promoter Scores.

Net promoter scores (NPS) come from those surveys that often get sent out with questions like “How likely are you to recommend us to your friends or colleagues?” The answer is usually a number chosen by the customer from 0-10.

As you can see from this chart, a customer is only a promoter if they rank your agency with a 9 or 10. If they rank you with a 7 or 8, they are simply passive. And if they rank you from 0-6, they are actually detractors.

The NPS is calculated by subtracting the percent of detractors from the percent of promoters.

A good NPS is anywhere from 20-30%. If it is any less than that, you’re in trouble.

There are ways to manage and manipulate your score. If your agency has a lot of detractors and a bad NPS, do interventions! This can mean anything from a discount on a product to upgrading a client account to a more senior sales representative.

In addition, if someone says they are likely to refer your agency, ask them for that referral. Referrals can go very far in helping your agency grow. If you have a good customer give you a good referral, you will likely get more good customers.

Some churn-busting tips…

You can benchmark customer churn by using client service representatives.

Customer satisfaction and retention metrics should be reviewed monthly. You can incentivize great service by tying around 15% of a client service representative’s compensation to tangible performance numbers in terms of customer service rankings.

Believe it or not, a client’s happiness and satisfaction with their service representative is slightly more tied to client retention than account performance. To ensure a lot of happy customers, and thus a scaling agency, focus on training your client service representatives!

Another churn-busting tip is to hire more salespeople.

Obviously, the more people working to sell, the more customers are gained. This accelerates your agency’s rate of growth and decreases the customer churn rate. Both of these things result in accelerating the rate of revenue growth for your agency!

Here’s another churn busting tip: up-sell adjacent marketing services to established customers.

If you have established customers, it’s easier to up-sell them additional services than it is to find new business.

This also makes it harder for them to churn, because your agency is taking over so many parts of their business!

And a last churn-busting tip for you: use Facebook Messenger marketing tactics.

Messaging apps have surpassed social networks in terms of monthly active users.

So why not utilize this technology for your marketing?

In fact, Facebook Messenger marketing gets 10-80 times better engagement than email marketing or Facebook Newsfeed ads.

You can even use Messenger in your Facebook Newsfeed ads. Instead of clicking a link that takes them to a website, a potential customer will click a link that takes them to Facebook Messenger. This also captures their contact info. You can send these potential customers into Facebook Messenger chatbots that you host, and bring them to surveys, registrations or reminders, or segmentation and drip campaigns.

Chatbots are very influential in marketing. They also provide a differentiated value to your agency over others. Talk about scaling!

You can use Facebook Messenger marketing to put together an easy pricing proposal, charting a monthly retainer fee for your services. Here’s an example:

Now…let’s get back to growth hacks for your digital agency!

Agency Growth Hack #3: Growth Marketing!

Your agency’s purpose might be to do the marketing for your customers, but you can’t forget to market yourself!

Put time and energy into marketing your own agency to help it grow.

You can do this in a number of ways. Use popular marketing methods to catch attention. This can mean content marketing, or something completely different! Perhaps you can offer some of your services for free for a select number of people. This gets your product out there and shows potential customers what you’re made of!

It’s like sales events at car dealerships – draw attention to your agency!

Agency Growth Hack #4: Recruiting to grow your agency!

A good agency becomes a good agency when it has good people working for it and supporting it. A major growth hack for digital agencies is to focus on how and who you are recruiting.

It is a good idea to determine how you will spend your agency’s money. A good financial ratio splits the money three ways. One third will go to general administrative costs and cost of customer acquisition, including marketing and sales. Another third will go towards the costs of goods sold, meaning the cost of the software, and the hiring of employees. And the final third will be the net profit; money that you can drop to the bottom line to cover taxes, etc.

Here’s three agency scaling hacks that will help you recruit the best candidates for your agency:

Have an internal training department for client service representatives. This will allow you to hire your service reps at a lower cost and train them to do the work.

Have employee non-compete agreements in employment documents and client contracts. This way, you can take action against employees that move to work for competitor agencies.

Have an amazing work culture. Having a beautiful office is a perk in its own right. But making sure people don’t want to leave your agency will mean your employees aren’t only there to do a job; they actually like where they work. This will lead to better performance. In addition, employees who genuinely love where they work will refer more good people to work for you.

And finally, the last marketing agency growth hack…

Agency Growth Hack #5: Cold Emailing!

Now, this doesn’t necessarily mean spamming your customers and potential customers with email after email. It’s more about supplementing traditional inbound marketing with outbound prospecting.

It’s important to note that you should do your outbound prospecting from a different email domain.

So how do you go about cold emailing as a marketing agency growth hack?

First, get a list of emails. You can do this by manually searching for emails using tools like Hunter, if you happen to know the name of a person or company that you want to email. You can also buy lists from tools like ZoomInfo or LinkedIn Sales Navigator. Or, you can use a Scraper like the Phantom Buster Facebook Group Extractor to collect information.

And then…bombs away!

Here’s a couple tips about cold emailing:

Use an email list verifier service. This will ensure that you have minimal deliverability issues and the majority of your emails actually get sent.

Warm up your email address. Do this by sending emails to friends and family. Tell them to engage with the emails!

Fly under the radar. Instead of going crazy and sending hundreds of emails a week, go slowly. Send around 10 or so emails a day. This makes engagement rates higher because people are less likely to feel spammed. There is software that will do this for you automatically.

Make emails more engaging. Low intent means low engagement rates (around 3 to 5 times lower, in fact!).

Use intent signals. Obviously you have to find ways to make your emails more engaging, and one easy way is by using intent signals. These include changes in management, a company moving, and similar things. This means you’ll send out fewer, but more targeted, emails that are more likely to be clicked on.

And…

There’s 5 great growth hacks for digital agencies. Let’s recap this journey from Donkey Agency Land to Unicorn Agency Land: 1. PROJECT. a bold vision for scaling your company. 2. DEPLOY. the churn detectors and churn busters. 3. HACK. your growth. Use the latest marketing strategies and outbound marketing. 4. EXPAND. Offer adjacent marketing services and charge more. 5. HIRE. great employees. Train people yourself. And finally… 6. ACCELERATE. Grow your agency as fast as possible to maximize exit valuation.

With those steps, you’ll be in Unicorn Agency Land. Your agency will be scaling faster than you can even keep track of, and you’ll achieve whatever it was that led you to leverage digital agency growth hacks in the first place.

Republished by permission. Original here.

Image: Depositphotos.com

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[survivingart]

PRICING YOUR ART THE RIGHT WAY Part I: Expenses and Resources

Creating a beautiful work of art is hard by itself, but when it comes to putting a price tag on whatever we made, it does tend to get even harder for most of us artistic types. The question for today (and a few future blunders) is therefore: How much is creativity even worth?

If you ask somebody on Fiverr, well, it’s about 5 € give or take, on UpWork they’ll probably up that excuse of a pay-check to about 10€ or 20€, but I reckon (or at least hope) we can all agree that making whatever it is one does for a couple of beer’s worth isn’t really going to make anyone financially independent in the arts — or any other profession for that matter. Unless you’re literally selling single beers for the price of a couple of beers — this is, as far as I know, the only sound way of using this kind of business model and actually making a decent profit.

So, unless we decide to open up a barter brewery or intend to create a drop-shipping platform and/or beer exchange, there are better ways of tackling this issue and actually making enough to be able to sustain our lives and artistic production in the long run.

And today I’d like to share the method that works best for me; and please don’t worry, there’s minimal maths involved, and the few equations that we will mention are of the sweet, money-generating variety, that — in my opinion — makes them much easier to understand.

Let us therefore put on our green accountant hats (if you have one) and get down to business.

The core idea of calculating value of anything that we make is to first figure out the expenses that making art creates. The premise is quite simple here; we first need to know how much cash we’re actually throwing at a painting or sculpture or performance we’re making, because then we will know the bare minimum of how much it should cost for anyone interested in said artwork, to acquire it. 

In short; the goal is not to starve to death in the long-run.

But that’s also where the first big issue arises; it’s not just materials, studio rent and other “operating costs” we have to take into consideration, it’s our living expenses too! And this is where a lot of folks get it wrong and end up losing money on their work. 

Because, were we only to calculate based on our operational expenses — the expenses we have due to making our work — our sales would only reimburse that segment of our lives. Our eating, sleeping and not-freezing-in-the-winter demands would not be part of the equation, and especially if you’re living in a place where food isn’t growing on trees all-around you and you’re also living in said tree with 365 day long summers to support you, this quickly becomes an issue.

To adequately adjust our price, we therefore need to think about us as a being; everything we need to survive and thrive on a daily basis needs to be accounted for, because without it, over the span of a few months or maybe years, we will not have the required energy to produce our art.

To start it off, the best way in my opinion is to first put down all of the basic necessities of life; food, water, rent/mortgage payments and all the inevitable costs of being a homeowner (if you are actually one), the cost of transportation, kitchen and bathroom essentials — like a bottle of Main ’n’ Tail shampoo, made for people and/or horses (just as a reminder to never take life too seriously) — and everything else in between. 

The point is to really take your time and figure out everything you spend your money on and a generous estimation of how much money per segment is actually being spent on a monthly basis.

My calculations look a little bit like this:

I divided my costs into a spreadsheet with the following segments: Longterm Investments (this is first for a reason, because 70 year-old you will thank you for it when the economy goes haywire and your pension payments start bouncing), Rent, Food and Health, Home Necessities, Car and Transportation, Digital Services and Telecommunication, Computer and Tech Equipment, Photo and Video Equipment, and Holidays and Fun Things (you’ve got to have those).

All my expenses are adjusted to a per-month basis; this means that anything I use every month (like rent, computer and camera equipment) is divided up into monthly segments. With rent, this is quite straight forward; you pay it every month and therefore you full payment should be in the spreadsheet.

With computers and cameras it gets just a bit more tricky, because — unless you shower with your laptop — you won’t be needing a new one every month; therefore you need to set a realistic amortisation period (the stretch of time any piece of equipment lasts you).

For my Mac I have an overly-conservative 3 year period (it’s my 5th year currently, but this way I can adjust for being a knob and accidentally pouring coffee over my laptop’s keyboard down the line). Then I divide the cost of a new computer by the amount of months (36 in my example) and what I’m left with is the monthly cost of my computer (for me it’s about 100€, because Apple is currently being lead by blind, money-hungry idiots).

When you’re done, you just made an analysis of your “fixed costs” — the costs or expenses you have, regardless if you use the space(s) and equipment for making art (and consequently money) or just binge-watching Netflix. 

The other kind of expenses are “variable expenses”, as the shirt and tie people like to call them. These are all expenses that occur only if we use up the materials they provide; paint tubes are variable for example, because you need to actually use them to run out of paint and therefore having the need to buy more.

Similar to fixed expenses, variable expenses can occur on a monthly basis (like toilet paper and shampoo) and over different periods of time (like fuel for your car if you live in a city with semi-developed infrastructure and only fill it up a couple times a year, but still have to have one, because the buses take an hour to travel 10 km distances).

Here, we again need to calculate each expense and then adjust its price by dividing the total price with the total amount of months that particular expense will last us.

You can even simplify it, and not think about fixed and variable expenses that much; just figure out all the various ways by which your cash is leaving your wallet or bank account and adjust each one of the various streams to a monthly amount. 

And don’t forget to include the not so obvious expenses like gifts, insurance, drinks and nights out and everything in between; the more in depth your expenses are formulated, the better and especially the more exact your final result will be (you don’t want to figure out down the line that you actually spend 300€ more per month on bagels than you thought — tough delicious, both finically and health-wise, this can obviously become an issue in the future).

Now that we have all of our expenses (living and working expenses that is), we can get to the real juicy part of our analysis: we need to figure out our resources and we’re starting with the one that all of us have in abundance (unless you’re 80, then you still have a decent amount left).

Time is the only really scarce resource we have and the most important one for all creatives; the point of making creative work is putting our time and attention into a problem and figuring out the best way to solve it.

You can’t outsource your creativity, because you can’t really outsource your own time; you can surely outsource your non-creative work, like writing emails, taking calls and making appointments. But the creative part, that’s impossible. Otherwise the value of creativity would drop to zero, because everybody could do it — there’s a reason why Seth Godin, Chris Do, Spike Lee and the myriad of other propagators on the importance of creativity talk so highly about it.

Also, we creatives always tend to be short on cash, so focusing too much other types of resources doesn’t really make sense for now.

Back to our calculations!

We ended up with the total amount of expenses (mine for example, because Slovenia’s living standards aren’t that high — at least compared to London or New York — are in the 1.500 € – 2.000 € per month ballpark, yours will depend on where you live and how much stuff you want/need in your life).

Now, we need to figure out the value of our time; for me, it’s by the hour, because it makes it easier to calculate my expenses for each particular project, but if you want you can also use a day as your variable — especially if you can’t easily switch between working on different projects and actually need to segment your work on a per-day basis to stay focused.

To give a bit of context, the calculations we are making now serve two purposes; one is to define the minimal value of one hour or day of our work, and the second one is not to starve.

But, because we are not machines (unless you’re one of the 14 bot accounts that I have found so far, which are for some reason subscribed to my social accounts and mailing list), we cannot work 24 hours a day or 7 days a week. Not in perpetuity at least.

We therefore need to set a maximum amount of time we are prepared to work. This time also includes all research and “non-making” activities, like taking long walks and thinking about your work, because they are all needed to create the finished work.

For me — because I fear boredom and leisure time like medieval folks feared bathing — it’s about 80-90 hours per week, for you it’s however much you are prepared to work and wherever your work/life scales are tipping towards.

By the way, there are 168 hours in a week in total and about 720 in a month, if you’re calculating that way.

The goal is to be realistic, and I can’t stress this enough; it has to be realistic, because if you just want to work 50 hours a week but end up doing 20, you’re not going to get by in the long run and will not be happy with your pay either!

Let’s say you decide to work 40 hours a week and enjoy the other 128 by socialising with friends, eating, sleeping and everything else we humans like to do. That’s 8 hours per day, excluding weekends.

There are about 4 weeks in a month, so 4 x 40 is about 160 hours of work per month. If we now take the total sum of our monthly expenses and divide it by the total sum of hours we are prepared to work, we end up with about 10€ if for example our total work hours are about 160 per month, and our total expenses about 1600€.

We are now left with our own personal minimum hourly-wage requirement.

Note, that if like me, you’re working on making enough money to survive as well as on your own project to eventually be able to stop working for food-money (financial independence), you shouldn’t divide your total expenses by your total work hours — only with the amount that you are willing to put into making enough cash to survive during the time you are working on your future.

In other words, it’s the difference between how much your day job or whatever commercial projects you do take up your time, and the total amount of time you spend working. For me, it really depends from month to month; sometimes you get a high-paying project that you can live off for a couple of months, but only need a few weeks to complete, and sometimes you’ll work 40 hours a day for a month, just to pay the bills.

If we now get back to our personal minimum wage, we can of course modify it to be higher (but, by the love of logic and/or any deity you’re fond of, not lower), than the average hourly rate in our industry is.

For example:

If you’re a frugal website designer monk that works 40 hours a week and only need 400€ per month to survive (and for some reason have access to the required web design tools and equipment), your time shouldn’t be worth less than comparable web designers in your area or market segment, that have higher monthly expenses.

You can always set your price to about the average price of everybody else and use the surplus of cash to fund your other goals (like having LAN parties at your temple or getting high-speed wi-fi to all the monasteries in your country).

But you could also do the same by just knowing you are (and actually being) better then most other professionals in your field; a good painter should not charge less than a bad one, the bad one shouldn’t charge at all if you ask me. 

To conclude this maths-heavy blunder (I apologise, but it’s incredibly important to understand these things to flourish as a creative) the point is simple: Know how much you need to survive and thrive and how much you are prepared to work to get it.

And in the next one we’ll take a look at the way other resources interact with our way of making art, how we can use added value as a variable to get more for our work and how to apply our personal minimal hourly-wage to calculate consistent and fair prices for our art.

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