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maljean89 · 6 years ago

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I turned 30 and got my tubes tied

Just shy of a week ago I had my very first surgery — I got my tubes tied. Although, “getting your tubes tied” is sort of an out-of-date term these days come to find. Nowadays, removing your entire fallopian tubes is the standard for a couple of reasons: removing them completely (as opposed to tying, clamping or cauterizing) can prevent the occurrence of an ectopic pregnancy and can reduce the risk for Ovarian Cancer. Dude, I have so much cancer in my family, if I can reduce my risk for one kind, I’m down.

I’m really glad I’ve never had surgery before because going into it blindly was probably the best thing for me. I had no idea what to expect and if I had I think I would have been even more of an anxious mess than I already was. I am the queaziest, most fainty human being on the planet, so the entire experience of having the 3 attempts to put my IV in was a little hellish. But being put under felt pretty cool and before I knew it, I was waking up and it was all over. It took a solid 3 days of doing nothing but laying on my back and hobbling to the toilet before I started to feel like a human again. And let me tell you — having a boyfriend with an amazing sense of humor kind of sucks when laughing causes you pain. But he took the best care of me and 6 days later I’ve got a way less bloated and swollen tummy (looked like I was pregnant for a couple days) and my insides feel like normal again. I’ve got these 3 sweet battle wound scars — two on either side of my lower abdomen and one in my belly button — and I can officially say that I’m sterile as a cotton ball.

I’m pretty excited that I now have a response when people inevitably ask “So when are you and Jonah going to have a baby?” I’m going to enjoy it a little too much to be able to say, “Never actually. I had my tubes tied.” Telling people you don’t want kids makes them incredibly uncomfortable for some reason. I’ve never really understood it, but one of two things usually happen. One: they get real awkward and change the subject, never to be visited again. Or two: the barrage of questions begins. Some people are genuinely interested. Some people feel the same way and I get high fives. Some people do the whole, “well, you’ve got plenty of time to change your mind” routine.

The thing that probably kills me the most though is when people ask why.

“Why don’t you want to have kids? If you don’t mind my asking,” they’ll say.

You got a few hours? People ask this question like its a simple answer. Dude, if its a simple answer, I highly recommend that you don’t get sterilized because one simple answer isn’t sufficient. I have scores of reasons! And the reasons why I don’t only stand to inform the actions I would take if I oddly changed my mind someday.

I thought I’d share some of my many reasons with you all. Some are emotional, some are physical, some are financial — they’re all over the place. If you don’t care — thats cool. If you think I’m stupid — you’re entitled to your opinion. But I do think it would broaden your vision a bit to read why someone might not want to reproduce. If you’re one of the people judging me, I encourage you to take a moment to learn about someone different than yourself.

1. Physically, I legit can’t handle it. I know every woman is probably terrified of actually giving birth, but I literally could not handle it. I have to lay down to get a flu shot, and stay laying down for a solid 10 minutes or I’ll pass out. Getting my blood drawn makes me faint every time. And just discussing the process of inserting a NuvaRing with my gyno made me lightheaded and have to lay down. Getting my lady exam every year makes me so nervous I often present with high blood pressure because my nerves get the better of me so badly. Don’t think I could handle 9 months of discomfort, thinking about whats happening to my insides, and then the inevitable pain of actual birth. And even if I somehow could handle it — I don’t want to put myself through that. No thanks, I’ll pass.

2. Financially, I don’t want the burden. People may think thats a cold reason to not want kids, but I’m just being honest. I’m a fucking millennial for god’s sake — I’ll be drowning in student loan debt until the day I die, paying off only the interest on my income based repayment plan each month. I’m just now at 30 years old feeling stable with my own income for the first time ever. And to be 100% honest with you, I want to spend my money on me and my partner, not a small person who doesn’t even understand what money is and how hard I have to work for it. If you can look past that — high five to you, but I can admit that I’m not that big of a person.

3. I don’t want the strain on my body. I’m not special in that I’ve struggled with my body image my whole life. And sure — you can argue all you want that having kids is more rewarding than having a hot bod. And I’m sure thats true for some people. But vainly, I just don’t want to ruin my body like that. I’ve got enough stretch marks on my inner thighs and love handles from when I was heavier. I shall opt for keeping my bladder and vagina and breasts in tact for as long as I can. #SorryNotSorry

4. It’s not what I want my day to day life to be about. I enjoy being around kids of a certain age for a very short amount of time, and somehow that window gets smaller and smaller as they get older. I don’t have enough time for myself, I can’t even imagine having every moment be about feeding and changing and crying and being sick and everything else. Worrying about myself and the people I love is all I have the energy and time for folks. Its wonderful that some people are happy having every day be about play dates and going to the park and doing whatever Mommy-and-Me crap you mothers out there do — but thats just not who I am. I enjoy traveling and seeing the world, experiencing art and theater and music, trying really hard and failing at making alone time for myself, falling in love with Jonah more and more every day, searching for a woman to fall in love with at the same time, and a million other things I could spend hours writing about. In everything I want for my life, there just isn’t a kid running around in that mix.

5. I’ve got some weird Mom-related reasons swirling around in my noggin, too. My relationship with my mother was very special to me. I was an only child raised by a single mom and that, my friends, creates bonds unlike any other. In the three years since she’s died, I’ve realized how sacred my time with her was. I even had a window of time where I thought I was going to cancel getting my tubes tied because I had this morbid realization that by having a baby, and possibly a little girl, I could have a piece of my mom back again. Thats not a healthy way to think. I talked my feelings out with my loved ones and ended up back at my decision to have the procedure. Somehow, the mother-daughter relationship that I had with her is the only one I want to have in my life.

6. Other areas in my life deserve my love and attention more than a child. First and foremost — my love life is too important to me. Jonah is my world. And aside from the fact that on our first date he told me he didn’t want to have any more kids (he has a daughter from a previous relationship), our life doesn’t have room for an infant. Our life together — my career, my company, other creative and business ventures I have brewing in my head, Jonah’s music, our love life being polyamorous — all of these things deserve my love and attention more than having a baby. And guess what? As mentioned above, I already get to have a daughter in a sense! I get to have this super cool friendship/stepmom/parent-type thing with a wonderful little girl that came from the man of my dreams. I can’t wait to see her blossom into a young woman and see what she’ll achieve in life. ALSO, I have an amazing nephew who is about the same age and even though I don’t get to see him every day the way his mom saw me every day, I love the bond I have with him and getting to see him grow into such a sweet and upstanding young man. All of this and more deserve my love and attention more than creating another human.

7. I don’t think its necessary to populate the world with more people. If I lose anyone big time with any of these reasons, I think this one might be it. We as human beings are literally ruining this planet. There are too many people in existence as it is. We’re polluting the ocean at an alarming rate, global warming is all our fucking fault, and every year more and more animals hit that endangered species list or worse, become extinct. Don’t get me started on animal rights! More people just create more garbage, more waste, more problems. I’m sure you love your big family and think you’re not part of the problem, but guess what — we all are. I don’t want to add to it. I can help not add to it by the following...

8. I would choose adoption over reproducing any fucking day. When I had my initial doctors appointment to schedule my tubal ligation, my doctor obviously asked me why I wanted the procedure done. I rambled off a few of these reasons I’ve just shared with you and closed with this: “If for some crazy reason I want nothing more than to have a child 10 years from now, I would want to adopt anyway.” And that was the end of that conversation. There are so many children that need foster homes or to be adopted. In Minnesota alone, an article from this past January from Kare 11 states that “this year alone some 17,000 children will need temporary, out-of-home placements.” I saw an adorable little boy at the grocery store the other day running in front of his parents. For one second I thought, there are I don’t even know how many little boys just like him that need homes across the globe. The thought broke my heart. If I wake up 5 years from now and want nothing more than to be a mom, I want to change someone’s life and give them the loving home they otherwise might not ever have.

9. I’ve never had a strong will to be a mother. Sure, when you’re in grade school you might trade future baby names with your girlfriends at recess. For me it was Hayden for a boy and Aslynn for a girl. But as a teenager and adult, that daydream disappeared. I’ve never longed to be a mother, or to have any sort of a conventional life for that matter. It’s always seemed really boring and expected and normal. One of the very very few positive things that came out of my relationship with my ex-husband was the day he helped me realize that I just assumed I’d have kids someday because thats what society had drilled into me. The moment I stood back and really honestly asked myself, “Do I want kids?” I had my answer. No. And I’ve never looked back.

10. Most importantly, my body was made for more than reproduction. I know we don’t live in medieval times — this isn’t Game of Thrones no matter how much I wish it was. We live in an age of being a career mom and female empowerment up the wazoo. But theres still this thing floating around out there in the world that its expected of me to reproduce. Ridiculous abortion laws like the one that just passed in Georgia that makes it illegal to get an abortion after 6 weeks makes me feel like we’re only glimpsing the tip of the iceberg of whats coming down the pipes. The only person who can control what I do with my body is me goddamn it. My female body can do just as much (AND MORE) than any male body can. Maybe its just me being stubborn or thinking I’m more important than I am, but I firmly believe my body can do a million more important things shit out children. I truly believe we are heading to a Handmaid’s Tale existence, and I won’t be a part of it. I refuse.

I didn’t write this blog to make you feel like shit if you are a mother, and enjoy being a mother. Everyone is different. I respect that. But we all have different perspectives. And I truly believe that there are a lot of moms out there that didn’t think long and hard enough about this life-changing decision, and now they’re stuck with it for life. At the end of the day — you’re going to do you, and I’m going to do me. But maybe you have a little insight into what goes on in a head like mine, and why motherhood doesn’t have to be your future if you don’t want it to be.

I’ll be honest with you — I sort of have this weird feeling that for once I have total control over my own body. Pregnancy has been this fear stamped on my love life since I took that dive at 14 and I finally feel free from it. I don’t know, maybe I’m blowing it out of proportion. I could be feeling that way because I just bought my first house and have this cool, new perspective on taking control of my life. But somehow, I’ve never felt more in control in 👏🏻 my 👏🏻 life 👏🏻

Watch out world. The only one in control of my life and my body is me.

#tubes tied #tubal ligation #30 years old #my body #my body my choice #millennial #handmaids tale #sterilization #pregnancy #having kids #having a baby #mothers #daughters #mothers and daughters

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ah17hh · 4 years ago

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I have absolutely no idea what to do via /r/polyamory

I have absolutely no idea what to do

I've been with my NP (Adam) for 7+ years, non-mono from the start and poly for 6+ of them, and was with my other serious bf (Jay) for 3+, much of which he functionally lived here as well.

My relationship with Jay has been tumultuous from the start, to say the least. Neither of us is super emotionally stable, he's an alcoholic (and a really nasty drunk), and I have a history of dating abusive drunks, and the PTSD to show for it. We were amazing together, except when we were a toxic mess, which was becoming more and more frequently as he tried (unsuccesfully) to stay sober. He crossed the line into full-on abusive one too many times, and I finally ended things for good. It sucks, because if he ever could have been happily sober we were amazing together, but at this point I'm done done.

Adam and I are complicated. We are best friends, wonderful roommates, and definitely family. We click intellectually, and share a lot of ethics and a weird sense of humor. He is, since my mom died, basically my only real family. The problem is that on other levels we absolutely don't click. Sex with us has always been complicated. Its good, but the chemistry isn't there for me, and nor can he seem to figure out how to navigate actually turning me on, despite effort on both ends. I'm extremely sexually driven, and while he isn't quite as extreme he is pretty sexual as well. I also have a pretty crazy, and fairly traumatic, past life that is a million miles away from anything he has any point of reference for. He knows, but on a very fundamental level he is never going to get that part of me. He has buried 2 elderly grandparents, and an sick uncle. I've buried virtually everyone I grew up with except for 2 friends, including most of my old loves, one of them my first real love, and all of them either by violence, suicide, or overdose, excluding my mom (that was surprise cancer). In some ways he is the center of my world, in other ways he is a million miles away. He has also been in a depressive funk that has gotten progressively worse over the past 4+ years, and has done virtually nothing about it. When he isn't at work (at whichever shitty job he currently hates, and he quits and repeats the cycle) he's a stoned lump on the couch. I'm not unempathetic, I have type II bipolar that I manage without meds, so I know depressive apathy all too well. We have absolutely opposite ways of reacting to it though. My bipolar was early onset, and I've been fighting that black hole for my life for basically my entire adult life. I will tear my life apart if I have to for the dopamine kick to break out of that gravitational field. He wallows in it. It probably doesn't help that his baseline personality is very laid back, and fairly unambitious, where as mine is the polar opposite. At our best we balance one another out nicely. At our worst I'm a whirlwind of chaos and emotion that he can't find his footing while navigating, and he's a black hole of apathy that slowly sucks me into its gravity.

For the past 3 years the things I really need that weren't there with Adam I was getting from Jay, and it kind of worked. I still needed them with Jay, especially a willingness to actually do things together, and we have had the talk many times, but the best he has right now is a grudging willingness to come along for the ride. A lot of the things I love most, like travel and the outdoors, he enjoys occasionally in small doses, but thats it. I knew that to an extent my relationship with Jay was also (poorly) patching widening holes in my relationship with Adam, and they both knew it too.

It felt like my life was on pause waiting for Jay to get his shit together, and now that that's done its become painfully obvious how much its still on hold, either waiting for Adam to do the same, or trying to drag him along or carry him. I still don't feel like I have an actual equal partner in most regards, be it financially, or socially, or emotionally. I don't want to lose Adam, because I do love him to death, but I can't keep doing what I'm doing now, and changing this is going to go beyond having this conversation for the 500th time.

A month ago I met a guy halfway across the country (somewhere I have always wanted to live) on tinder. We made a ridiculously inpulsive plan for me to come visit for 10 days, and 2 weeks to the day after we started talking I was on the plane (no, I'm not in the US). Should have gone horribly, right? The guy is everything I didn't even know I needed, and everything I want. The guy also is decidedly not poly, though how that will play out with my being poly remains to be seen. We have, bizarrely, mostly avoided the subject. What was supposed to be...I don't know what it was supposed to be, but it turned into him coming here a month from when I left, then me flying out again, and us talking about my moving in.

I don't need to make a decision now, but it feels like I do. And the decision isn't even so much this guy, its leaving to pursue some long-paused dreams, to live in my dream place, to snap out of this haze I've been stuck in. The guy is kind of the icing on the cake (I think). My NP would be fine with me living there 50/50, and its actually potentially viable work-wise, but I don't know if that would work with the guy, or for me. I should add on that I am having a horrible time with the LD thing, especially in a new relationship that I am way over invested in for the duration. I've done the NRE crazy many times before though, and I have never felt like this about someone. Its not the giddy he's perfect NRE, its the feeling I had when I started my career, the one that actually fit me like this was what I was made for. I know what sucks about him, I know whats going to bother me, I know he isn't my all-inclusive ticket to unending happiness. But fuck, for the first time in my life I can see how forever might actually look without drowning in existential dread. This feels like a chance I can't pass up, and it also feels like I shouldn't be trusting my own decision-making with everything that is going on, but shit is always going on. I feel like I've been stuck in place because nothing ever feels stable enough to make big decisions, or big changes, like I never feel stable enough, because I am miserable because I'm stuck.

If you made it this far, thank you. I don't know what I'm looking for, besides outside feedback, and a sounding board. What should I be asking myself? What am I missing? How do you know if its a stupid time to make a decision because you're frustrated and miserable, or if you absolutely need to make a decision because you're frustrated and miserable? I think I know what I need to do, but I'm terrified to trust myself (a lifetime of having every decision you make framed as a symptom, and of having to second guess every decision in case it really is a symptom, will do that). I am, for what it's worth, stable mental health-wise at the moment.

Submitted August 17, 2020 at 05:51PM by Missscarlettheharlot via reddit https://ift.tt/3iMAkUr

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ecotone99 · 5 years ago

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[HM] A random (hopefully funny/entertaining) tale about a young man, a Chevy Spark, a few life lessons, and a car accident.

So this was about a year and a half ago. I was 21 and desperate to get CHEAP/new car. First of all let me start off by saying I was young and dumb (still young and dumb). I tend to make irrational and quick decisions when i’m excited about something. For personal reasons that I don’t wanna get into I was not able to receive a license until I was 21. So when I finally got my license I needed, let me re-phrase that...had the biggest urge/desire to buy a car like the day before my license came in the mail. Also getting a car would allow me to start a new career.

Now for financial, and impatient reasons I was going to finance the car. Now when I say finance I really mean have the LOWEST monthly payment possible. My job requires me to drive 100-200+ miles a day mostly highways so leasing was out of the question. I also did not, and still do not want to buy used. Which is a whole separate argument for a whole different day. Anyway I was literally looking for the cheapest 2018 model car ever created.

It’s a week before fourth of July and the cheapest car I could find was a 2018 Chevy Spark for around 13k. I figured what the hell I’ve waited 21 long years on my skateboard I can wait another week to try and get the “fourth of July deals” to increase my wheel size from 59mm to 200mm.

Boom after checking “cars.com” everyday, on July 7th 2018 I pull up with my dad to a chevy dealership 90 miles away from home. Me, feeling like a Russian mobster (I’m Russian haha) on the outside, and as excited as a young school girl on the inside walk inside with my dad. I pull out my phone and show the sales guy the ad I saw. 2018 Chevy Spark for $10,001 in a lightish blue.

Keep in mind I did NO research. I read NO reviews. My mind was set on this Chevy Spark. You could tell me 9/10 Chevy Sparks are reported to have a mind of their own and drive off of cliffs at 50k miles and I would still buy it without a second thought.

Now I’m sure all of you can relate to a certain degree. You know the feeling of being so damn excited for something. The feeling of wanting something so damn bad that you would do irrational things to get it. In that moment you don’t want to hear anything negative about your decision. You just want IT. At the time it was the only thing I could afford so in my mind it was either the Chevy Spark or never drive a car again in my whole life.

Back to the dealership, the sales guy asked if I wanted to test drive it, and for that 90 second circle in the parking lot (I didn’t even take my time I just wanted to get back and sign the paperwork) I fell in love what felt like for the first time. I didn’t even fall in love with the car I fell in love with the feeling of driving hopefully my neat future car.

This is a Chevy Spark LS. I’m talkin manual windows, no power locking, no center console, cheap speakers, feel ever pebble on the road, get blown off the highway when a gust of wind or even ANY car passes by. I’m talkin a car that teaches you what claustrophobia is. A car that feels like you’re sitting inside one of those electric cars for toddlers. You get the point this was a bare skeleton with a piece of plastic around it. But I loved it.

I had pretty good credit at the time so I was able to finance my first big purchase. 7.9 APR at 178 a month. At the time thats literally all I could afford. Ya know with insurance being so stupidly expensive if you’re young. So after a long day of paperwork and the sales guy telling us he literally can’t even drop a penny off the price I drove my baby home.

Fast forward to January 1st 2020 around 5pm: “DAD I NEED YOU TO COME TO ME I JUST SLAMMED INTO A PARKED CAR GOING 60”

Okay okay I know you’re excited to hear what happens next but let me back up a little.

For my job I spend A LOT of time on the road and in my car. 200+ miles/6+ hours a day is not uncommon. I’m about 5’7 and 150 pounds so I’m not the biggest guy. I’m a nice guy, but the Chevy Spark taught me what it feels like to be uncomfortable. It taught me what anxiety is. It taught me that you can have road rage at yourself.

A little insight on my job; Im an in home sales man for home improvment. The owner of the company I work for (he took a liking to me because he is also Russian) knew I was planning on getting a car. He told me when I get a car he will train me in becoming a sales rep. Promoting me from my position as a telemarketer. So knowing this made me that much more in a rush to buy a car. We drive to appointments everyday, and sometimes just sit in the car to wait/chill in between appointments. So basically 2/3 of the work day is spent in the car, and the work days can sometimes be 9am to 11pm.

Me being naive and irrational did NOT think about these things when purchasing a car. I did NOT realize how important comfort is when sitting in the car all day. Sure the first 6 months I was so excited about having a car that I did not think about these things, but things quickly changed.

I started to get really angry and started to despise working. I would wake up KNOWING I’m about to be very uncomfortable and annoyed inside of my car.

Every detail about the car is horrible. My left elbow rested on what felt like rough old cement, and the rigid surface would leave marks on my arm. My right arm would always be itchy from the cheap cloth armrest. My left leg literally had no where to go. THE WORST PART ABOUT THE CAR THOUGH, my left knee would literally almost ALWAYS be touching the manual window roller handle. Half the time the handle was either directly on top of my knee or directly in front of my knee. I had nightmares about crashing the car only because I knew when I did that handle would be the end of my knee.

There was no storage compartments in the car. I had no where to put my phone, my change, my wallet, anything else comfortably. Because it’s a tiny hatchback my back seats would ALWAYS have to be pushed forward to fit all of my work stuff (giant bags). MEANING I could not push/lean my seat back enough. It was the equivalence to those people in the asian countries that live in the tiny apartments that look lime walk in closets.

Now I’m a music guy so listening to music is a must. Not even a year and my speakers started to blow... The speakers sounded like an old nokia phone in the first place. Or a better description would be when your earphones break so you have to pull out the old trusty $9 backup earphones from ross. Constantly I would think about installing better speakers but just never got around to me

There are 2 lessons to be learned from this pointless post, but one of them is how important comfort is when picking a car to own. I will now NEVER sacrifice comfort in the future. Not just in a car, but in anything.

Okay now....January 1st 2020 at about 4:30pm on a very main road. My new years resolution was to stop smoking cigarettes so this was day one!

So around that time of year it can get slow for my job. So as a side hustle I started doing Uber Eats. Let me take a quick second to say CHEVY SPARK DOES NOT QUALIFY FOR RIDE SHARING BECAUSE IT DOES NOT HAVE 5 SEATBELTS. I was EXTREMELY mad when I found that out AFTER I bought the car.

Since the car is so uncomfortably small it took many many attempts to find a phone mount/holder that was just okay. I finally found one that required my phone to be right in the middle. Keep in my mind this is my first day using it. Also keep in mind I am Russian and it was just new years. RIP to my liver the night before.

Here I am driving 60 on a very main road. My phone is right in the middle and I’m looking at it trying to figure out where I’m supposed to deliver this burger to. Uber eats; pick up food from restaurant and deliver to customer As I’m looking at my phone in the middle, while singing along to my music, most likely thinking about life, 100% hoping my headache would go away, wondering what my girlfriend is doing, admiring how warm my new north face jacket that I just bought is. Basically doing everything but paying attention to the road (And I’m sorry my grammar is getting worse as this post is going its 3am and I stopped caring as much LOL). I’ve been driving for a year and a half now I’m so confident in my self I can drive with my eyes closed using my feet.

Anyway, BAM I look up and my car is basically inside of an Audi SUV. “FUCK!!!!!!” “Fuck fuck fuck fuck” close my eyes cause its a dream open them cause I’m waking up after a nightmare “FUCK��

This is my first accident. I was going 60mph, at this point I’m completely speechless and very shocked. Every one always told me that car was a death wish but after about 5 seconds of stating in front of me I immediately climb over the airbags and exit the smoking, pulverized hunk of plastic.

I slammed into a parked car on the right side of the road. Really horrible too, thank you seatbelt. I don’t even know what to do in this situation so I’m dumbfounded. Witnesses are asking if I’m okay I was so all I could say was “yeah I’m okay”

I called my dad, and after what seemed like a minute he shows up. The owners of the parked car came out of the restaurant all normal accident stuff. I had a sprained finger, bruises yada yada.

Now my insurance wanted nothing to do with is since I was doing uber. I filed a claim through uber’s insurance and they said I’ll be covered. Awesome, score, BUT I didn’t know what gap insurance was at the time. I failed to do my research which I always end up having to learn a lesson cause of sometimes heedless decisions.

I had 8 thousand left to pay off my car loan and 40k miles on the car. I for sure thought it was over. I was done, game over. Every one told me the insurance would pay me 5 MAYBE 6 thousand for the car leaving my to pay off the rest.

Now I’m not religious but by some kind of mystical higher power I was blessed. I pretty much hit the jackpot. My payout was $11,200...

I purchased the car for $10,001...

I got my loan payed off AND received about 2k.

Now if that doesn’t scream second chance I don’t know what does.

To wrap up this long long meaningless story I just want to say a few things.

If you read up to this point I applaud you. It wasn’t a hell of a ride to read this story. It wasn’t the script to the next big summer blockbuster. It was more like, a carnival ride for children ages 3-6.

But there are some important lessons and morals to be taken from this. 1. Fuck the Chevy Spark 2. Comfort in a vehicle is very important 3 Do your research and please get a car that you will love even 2 years down the line. Get something you like. If you cant afford it wait until you can if you can be patient 4 GAP INSURANCE 5 Don’t make hasty decisions like me

After lots of research I am getting ready to finance a 2020 Toyota Corolla SE next week, and I’m very excited!

We live and learn. We make mistakes and we learn from them. I know when it comes to stubborn minds like myself we won’t listen/pay attention to advise that much until we have to pay the consequences. I try to listen more and look things into a different perspective as I get older because the older you get past 18 the more bad decisions screw you over. The consequences weren’t as bad as a teenager but now wrong avoidable decisions can really change your life for the worse. Adulting isn’t easy but thats just the game we call life. Goodnight ya’ll I have to be up in about 4 hours to drive my rental 100 miles to go sell some windows.

OH AND MY LEFT KNEE DIDN’T GET HURT

Ps: Still haven’t smoked a cigarette

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themoneybuff-blog · 6 years ago

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Handling the Financial Irresponsibility of Family Members

When youve devoted a lot of effort to fixing your own finances and putting yourself on a great financial track and youve spent a lot of time absorbing and thinking about good financial practices, the financial conversations you hear can sometimes be really frustrating. Youll hear people talking about their huge financial missteps as though theyre no big deal or even as though theyre a good thing. For example, maybe youll hear from a relative who is proud of the fact that they replace their new vehicle every three years with another new one when they barely make $40,000 a year. That alone isnt a big deal, but its often coupled with conversation about how theyre struggling financially and how the entire financial system is unfair. That same cousin who showed up in the brand new pickup truck that looks virtually identical to the brand new pickup truck they bought three years ago complains about how the whole system is rigged and that theyll never retire, and then theyll turn to you and expect agreement and reinforcement. Even worse is the relative who takes you aside to give you a long sob story of financial misfortune, one that would have been mostly solved with an emergency fund, and then asks for a loan that you both know theyll never pay back. Those situations happen to me on occasion, and I used to find them incredibly frustrating and almost anger-inducing. Their financial mistakes were incredibly obvious and I wanted to simply say, Cant you see that youre doing this financial damage to yourself? Over time, as I matured a little and heard many, many stories like this from readers, I came to realize something very important: most people do realize their own financial mistakes. That cousin knows how much those trucks are costing him. That other cousin knows that theyve made some bad moves to wind up in a position where theyre swallowing their pride and basically begging for money. People are not unaware of their own financial missteps. If people arent unaware of their missteps, whats going on, then? For starters, while understanding (at least some of) your mistakes can be pretty easy, actually correcting those mistakes is pretty hard. It requires a lot of behavioral changes. It requires a lot of self-denial. Most people wont commit to those kinds of changes in their life unless its desperate. At the same time, if youre not making a ton of money, its very hard to get ahead financially because you just dont have a lot to work with and there isnt much room for error. You can make lots of good financial moves, but if you dont have a lot of money to begin with, one or two missteps or one big unfortunate event can undo a lot of effort, and that contributes strongly to a sense of hopelessness. Another factor to consider is that while many people might not like aspects of their life like their retirement situation they like other aspects of their life a lot and thus, on the balance, they prefer things as they are rather than making changes. I know a lot of people in this camp. While they might long to have more money or have a healthy retirement savings, when they look at their life on the whole and the changes they perceive that they would have to make to get on a different path, they dont want to make those changes. Their life, as it is now, is better for them on the whole. Im sure that, in some aspects of your life, theres something youre unhappy with, that youd like to correct, but you dont do so because the balance that you have in your life right now is better than what it would take to correct that thing, so you table it. Many, many people do that with their finances. Furthermore, people often want to blame forces outside of their control for the things that go wrong in their life. Undoubtedly, forces outside of our control can smash into our life like a meteor, but we made a lot of decisions leading up to those events and after those events. Did we prepare our life to be future-proof, or did we live in the moment? It takes some introspection to see this, but its a flavor of introspection that many people dont want to take on. It doesnt mean theyre bad, it just means that they want an easy explanation for their financial difficulties and unexpected events are an easy thing to point at. When you consider those factors, it becomes clear that when you see someone else being financially irresponsible, it shouldnt frustrate you; rather, its simply a different choice of priorities. It does not mean that your priorities are right and theirs are wrong, nor does it mean that their priorities are right and yours are wrong. Very likely, your priorities are right for the condition of your life and your own personal characteristics, and their priorities are right for the condition of their life and their characteristics. So, lets roll things back to that family event where your cousin who has that brand new vehicle is complaining about never being able to retire because the system is stacked against them. It might feel frustrating, particularly if youve worked hard to put yourself in a position where you can retire and you know from personal experience that it can be done with hard work, but what should you actually do? Nothing. Thats what you should do. Just sit there and listen to their story. Its not your story. Its their story. Just listen. If you feel frustrated, just try to envision the world through their shoes for a while. That person probably has a lot of personal pride in that truck of theirs, which is why theyre always buying a new one. That other person probably feels overwhelmed by a series of unfortunate events in their life. There is almost no case in which your interjections about financial responsibility are going to be welcome. Instead, try to find a rapport or common ground with that person. Ask questions about their story. Compliment their truck and look it over with positive reactions to it. There will come a time when you are telling your story (but probably not today), and thats the point where you can slip in some financial wisdom. Today, listen to their story and use that opportunity to build a stronger relationship. What if youre being asked for money in some way? If the person is asking you for money, then you should absolutely feel free to say no. There should never be an obligation to just fork over money upon request, no matter what the relationship and no matter what the situation. Just say no. Being in a situation where youve loaned money to a relative or a close friend creates a lender-borrower relationship, and no one on earth has warm and fuzzy feelings for their lender. They might be appreciative of the loan, but theyll never feel joyous about repaying it, and that means some degree of negative feeling from them is going to be levied toward you. Rather, look for other ways to help. Offer to help them find work or to polish their resume. Offer to look over their business plan. Offer to give them a ride to work for the next few weeks until their car is fixed. If you absolutely feel as though you should help them directly, then make it a fully no-strings-attached gift. Just put the money in their hand and tell them that its theirs. If you absolutely feel you must give someone some advice, get them into a one-on-one situation and tell them that you have some experience with getting ones financial house in better shape and youd love to give them some suggestions, if they want. Leave the ball in their court dont thrust unsolicited financial advice at them as it will often be resented. Aside from those things, the best thing you can do is stand back and try to gain an appreciation of their story as a distinct journey through life, not just an extension of your own story. Many, many family conflicts occur when you try to substitute what you value into someone elses story thats centered around what they value. You dont know whats best for them, so dont fall into that trap. Theres very little benefit and a whole lot of pain down that path. Good luck! https://www.thesimpledollar.com/handling-the-financial-irresponsibility-of-family-members/

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flauntpage · 6 years ago

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Flyers announce Carter Hart is out at least 10 days

I love The Price is Right. Every time I took off a day from school as a kid, I’d have some chicken noodle soup and flip on CBS at 11AM to be greeted by Rod Roddy and Bob Barker. I always rooted for the old people. Something about a 90-year-old lady getting a trip to Thailand made me believe in the best in humanity. I digress. The best part of the show was any time someone failed a challenge and was lambasted by the marvelous sound of the fail horn. You know if from Tony Bruno’s soundboard, “I hate to do it to him [bum-bum-bum-bum-BUUUUUUMMMMMMM].”

That’s the exact sound I imagine Flyers management heard with each and every profanity-laced tweet sent their way after head coach Scott Gordon stunned everyone watching his post-practice press conference, the one in which he announce Brian Elliot – not Carter Hart – would be starting Saturday’s Stadium Series game against the cross-state rival Pittsburgh Penguins.

There were choruses of fans declaring a gross mismanagement of the 20-year-old Wunderkind netminder. He was chased in consecutive games against the vaunted Tampa Bay Lightning on Tuesday and the Montreal Canadiens on Thursday. On both occasions Brian Elliott – who was shaky at best in two games with the Lehigh Valley Phantoms coming off yet another injury – filled in surprisingly well. I’ll be honest: I never thought Hart should’ve started those two games. No goalie was going to stop the flurry of shots the Flyers were bound to give up, and considering the circumstances of Gordon pulling Hart on Tuesday, Carter should’ve been given a few days to clear his head and prepare for Saturday. Alas, that never came to pass. Gordon went on a four minute soliloquy outlining the reasons the decision was made – too many consecutive starts, confidence, Elliott’s consistent play – but never did he once mention an injury. That’s why Saturday morning’s announcement was such a surprise:

#Flyers goaltender Carter Hart has a lower-body injury and is expected to be out a minimum of 10 days. pic.twitter.com/b69WLB2CDv

— Philadelphia Flyers (@NHLFlyers) February 23, 2019

I took in practice will the rest of the assembled media from the press box at Lincoln Financial Field, and not one person audibly expressed concern for Hart’s physical wellbeing. So why did the announcement happen now, and – perhaps more importantly – why didn’t the team have Gordon announce it Friday night?

Possibilities after the jump:

Hart’s Been Playing Through Injury

Perhaps the easiest answer is the correct one. It’s entirely possible Carter caught a knock in a game, didn’t think much of it, and had it exacerbated by an extended stretch of play. Perhaps the team leaned on him too much. Perhaps he realized how critical he was to the team’s turnaround and didn’t want to come out of the lineup. Bill Meltzer, who is one of the most-respected writers on the beat made a solid point:

Either Hart got injured in practice and it worsened this morning or he was dealing with something during the week he didn't think was too bad but then worsened. What is NOT is a "PR move". Optics are WORSE to say he'll start Tue or Thu then say next morning he's injured.

— Bill Meltzer (@billmeltzer) February 23, 2019

I think it’s more likely that Hart tweaked something and the team wanted to be cautious. Cam Talbot has been traveling with the team and will serve as Brian Elliott’s backup on Saturday. While neither has had an exceptional season, they’ve both shown an ability to keep teams in games in the past, albeit for short stretches.

The Social Media Backlash

A less-likely option, but one that many have and will continue to clamor to is the notion that the angry Flyers Twitter mob forced the front office’s hand. I, for one, had numerous people quote tweeting my tweet about Elliott starting with people calling out the Flyers for robbing them of what should have been an excellent moment in their future franchise goaltender’s career. Did GM Chuck Fletcher fear the game would be hijacked on TV with multiple cutaways to a bummed Carter Hart sitting on the bench longing for a chance to jump in? Were the Flyers fearful that Lincoln Financial Field was going to become a house of horrors as nearly 70,000 fans booed Brian Elliott and chanted “Car-ter Hart!”? I doubt it, but I’m not the Flyers front office.

Trade Value

Not for Carter Hart. It’s possible that the Flyers wanted to guarantee that Brian Elliott will have the chance to play a solid game in net, raising whatever potential trade value he could bring ahead of Monday’s 3PM trade deadline. With Hart out of the picture, it stands to reason that Elliott won’t feel the need to look over his shoulder. He knows that with Talbot’s acquisition, he doesn’t fit into the team’s long-term plans. This allows him to go out and showcase himself to the other 30 teams in the NHL.

Chuck Fletcher Knows It’s Time to Sell

I don’t believe in this one, but it’s worth noting. The Flyers got lit up against Tampa Bay on Tuesday. With a rusty Brian Elliott filling in for a pulled Carter Hart in net, I expected the Lightning to put up 8+ goals. Even if the Flyers were able to leapfrog the teams ahead of them in the standings, they’d almost assuredly get demolished in a first-round matchup against Tampa Bay. The recent winning stretch was nice. It gave the team a chance to showcase guy a guy like Wayne Simmonds in games that mattered, but if nothing else, this last week has shown that while the Flyers have pieces to build around for the future, they’re not remotely close to competing with the best teams in the conference. That’s okay. They’ll enter the off-season with more than $30m in cap space and plenty of attractive prospects to offer in potential trades around the Draft.

For more Flyers coverage, be sure to check out The Press Row Show pregame and intermission shows before and during home games via Facebook Live on the Crossing Broad Facebook page and Periscope via Crossing Broad, Anthony, and Russ’ Twitter accounts. Also, subscribe to our Flyers podcast Snow the Goalie ([iTunes] [Google Play] [Stitcher] [RSS]), leave a 5 star review, and follow us on Twitter:@AntSanPhilly @JoyOnBroad

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therealestatesparkblog · 6 years ago

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The Tech Employee's Ultimate Guide to Getting Started in Real Estate Investing

While most real estate investing advice is geared to those who wish to escape their current jobs, not much has been written for those of us who love our jobs and dont intend to quit them. Personally, if I quit my job, I know I would be bored out of my mind. I enjoy my career and have no intentions to quit, but I wanted to build a real estate portfolio that would supplement my income to achieve my financial goals and my goals to give back to the community. The following is my real estate investing philosophy that I use to guide my decision-making. By no means will my philosophy be perfect for you, but Ive found the following advice to ring true to those of us who want to get started in real estate without wanting to end a promising career. Getting Started I was blessed to start my real estate investing career with my father (which I talked about in BiggerPockets Podcast episode 74). When I started investing in 2013,the market was a much different place. We were just coming out of the trough of the recession so it didnt take a rocket scientist to do well in real estate because most of the money made in real estate happens when theres a significant distress in the market. Without distress in the market, its hard to buy properties at prices that will provide you enough return for the time involved. Now that we are approaching the late stages of the cycle, this is where the risk/reward equation is skewed more towards risk and its very easy to lose a buck. Construction costs are increasing. New units of housing are coming online, rents are softening, and interest rates are rising. Now is a great time to study real estate and build your real estate investing network. This isnt a time to rush into the market to purchase something youll later regret. Financial Housekeeping Before we get started with real estate, you have to make sure youre covering the basics. Assuming your company matches your 401(k) contributions, you should max out those accounts and invest in a target retirement index fund. An employee match is pretty much a risk-free rate of return that you wont be able to beat anywhere else. Then you should set up a Roth IRA, assuming you qualify. Next comes savings. As cliche as the advice sounds, its imperative that you live beneath your means by maxing out your savings. Adequate savings provide you the financial security to walk away from any situation or real estate deal if you feel youre not being treated fairly. Without being able to walk away from bad situations, your life will be filled with constant stress. At the minimum, you need to save months worth of living expenses in the bank so that if you lose your job you can stay afloat during these tough times. You also need enough insurance to provide your loved ones with support in case something tragic happens to you. We all think were invincible, but theres always that risk something terrible can happen to you. Your company should provide you with the option to enroll in various accidental death, short and long-term disability, and long-term healthcare coverages. Make sure you pay for your disability coverage because if your employer pays for the coverage, you will face a large tax bill. If you havent applied for these insurances, please consider doing so. Then you need to get your estate in order. Ive seen many families suffer from a lack of proper estate planning. You need to set up a trust so that its made clear what your directives are when you unable to act on your own behalf. If youre incapacitated, who will make healthcare decisions on your behalf? Who should be responsible for maintaining your assets? In the tragic event of your passing, where should your assets go? All of these questions need to be answered now, and you should speak to a trusted attorney. Finally, you need to prevent yourself from getting caught in conspicuous consumption trap of buying things you dont need in order to impress others. Its very easy in Silicon Valley to fall into this trap because so many people are doing amazing things such as traveling the world or buying luxury cars and huge homes. You need to focus on your long-term goals and not get sucked into other peoples dreams. If you follow these guidelines, you will be on part of the way there to a healthy retirement. High Net Worth But No or Low Cash Flow The reason why I said part of the way there is because Ive come across many tech employees that have stock portfolios worth millions of dollars, but they dont have a single asset thats producing cash flow. They are net worth rich, yet cash flow poor. The only way for them to benefit from these assets is to sell them, but once they are cashed out and spent, its gone forever. I met hundreds of paper millionaires during the Valleys first tech crash, and unfortunately, they never diversified their holdings to other forms of assets to take advantage of their new-found wealth. Related: 4 Toxic Habits That Sabotage Even the Most Promising New Investors So How Do You Build Cash Flow? Of course, you can buy stocks that pay dividends, but based on what happened with the GE and Budweiser, dividends arent guaranteed. Dividend payouts depend upon more variables than real estate, which increases the odds of companies not paying them out. For stock dividends, you have to hope the companys business model allows them to earn large returns on capital to pay a dividend, hope the companys products stay relevant in the future, hope a competitor doesnt steal market share, and hope the management team is competent. For real estate, you need to buy a good property located in a desirable location for a decent price in order to attract the right tenants for the property to cash flow. This has fewer variables, which decreases your risk exposure, but of course doesnt guarantee cash flow. The Benefits of Working in Tech Being that you work in tech, you likely have a steady paycheck, a generous 401(k) program, and resources to easily qualify for a mortgage. This is an advantage that most investors lack, and you must use this to the best of your ability. While full-time real estate professionals need to buy and sell properties in a frothy market to pay their bills, you have a good job that allows you to wait until a frothy market cools off and then swoop in when the real estate cycle hits a trough. While real estate is currently in vogue, many people are feeling the pressure to deploy capital as if money is going out of style. Control that impulse! The real estate cycle has shifted from a buyers market (roughly 2009 to 201) to a sellers market (2016 or so onwards). In this market, the returns arent as high as they used to be, and Im seeing people do silly things in the market such as taking out home lines of equity or loans on their stock portfolio to buy low yielding real estate investments. Im seeing syndication pro formas with assumptions that the economy will grow forever, which isnt how the business cycle works. At this point in the market, money is cheap, and deals are being bought at a premium, which is a bad sign for investors because the risk/reward equation is now skewed towards more risk for each marginal unit of reward. When the cycle slows down, then you will see money becoming harder to obtain and home values retreating, which makes it easier to find sound investments. At that point, you are in the drivers seat and you will have an opportunity to buy real estate at discounted price. How Do You Know When the Market is Cooling Off? When you can find a property that meets your strict criteria. Each person has their own criteria that fits their return goals, and you need to create your own. But as a baseline, after all expenses (mortgage, taxes, insurance, operating costs, long-term capital improvement reserves, etc.), you should at the least hit a cap rate of 6% based on historical returns and assuming the propertys price is in line with comparable properties. Im not saying thats a cap rate I aim for, but if youre shooting for anything lower, you are exposing yourself to overpaying for an asset. Every Investor Hates Sitting on CashUntil They Need it I regularly take calls from investors who feel anxious for having large amounts of capital sitting on the sidelines. These investors are already fully invested in the stock market and might have a few real estate investments. When I hear these stories, I think of the lessons I learned from Warren Buffets annual shareholder letters. I want to highlight two excerpts from his annual shareholders letter. Our aversion to leverage has dampened our returns over the years. But Charlie and I sleep well. Both of us believe it is insane to risk what you have and need in order to obtain what you dont need. Despite our recent drought of acquisitions, Charlie and I believe that from time to time Berkshire will have opportunities to make very large purchases. In the meantime, we will stick with our simple guideline: The less the prudence with which others conduct their affairs, the greater the prudence with which we must conduct our own. Preach! When markets are booming, we hold on to cash while feeling great shame. So we must get rid of it as soon as possible because everyone else is making so much money. Yes, losing a small percentage of purchasing power due to inflation hurts, but being knocked out of the game by losing all of your money is even worse. The name of the game is to stay in the game long enough so you can purchase assets that fit your criteria. No one can forecast when the corrections will happen, but you need to be in a position to act when they appear. Look at your cash as an oxygen canister needed for climbing Everest. At the base of the mountain, everyone has oxygen canisters, and some people carry less because its a burden to lug those heavy things along. Some expect everything to go smoothly due to excellent forecasts and expertise of their guides, so they decide to carry just enough to get them up and down the mountain within 60 days. Others know things can get rough, so they will bear the burden of carrying an extra oxygen canister in case things dont go as planned (source: life). But when in youre in the mountains death zone at 26,000 feet, things change. The weather forecasts are off, and now youre suffering from a freak blizzard that extends your trip by another 10 days. You can barely breath due to the high altitude. Previously, that extra oxygen tank was looked at as a burden, but now its worth its weight in gold. Youll thank your lucky stars you have an extra one. Am I saying hold all cash? No, but when youre already heavily invested and new opportunities dont meet your investment criteria, think twice before dropping your extra oxygen tank. Preparing Your Emotions Currently, everyone I speak to wants to invest in real estate. Some people think if they dont buy something now, they will never ever be able to do so in the future. That sentiment concerns me and causes me to be even more conservative than others. Related: What Newbies Should Know About Financing Investment Properties (Versus Homes) During the financial crisis, when stocks were falling to all-time lows, my father had a very clear sense that it was a great time to invest in general. He deployed an immense amount of capital picking up stocks and pushed me towards investing in real estate. He kept telling me that in order to make a great return, you need to have confidence in the long-term future of the market so you can think clearly while other people are losing their heads. What you need to do now is reflect on the last market crash and how you handled yourself. Did you lose your cool? Did you sell off? Did hide your money under a mattress? Or did you start deploying the excess capital you had to pick up assets at a discount? If you did lose your cool, what will you do now to prevent yourself from missing out on a great opportunity? Staying in the Game Many of you are super eager to get started, and thats great! But you have to understand real estate is a multi-decade endeavornot a one-year sprint. The real gains from real estate appear when years of rent increases, appreciation, and currency inflation, which allows us to use weaker future dollars to pay down debt that was denominated in current more expensive dollars, combine. As time goes on your properties loan-to-value ratio will decrease allowing you to pay off your loans completely and free up more cash flow or roll them into larger properties. But in order to be successful, you have to develop staying power to ride out of the ebbs and flows of the market. Many investors have been shaken out of real estate investing due to not expecting the market to go down and paying too high of a price for real estate. Some have short time horizons of five years or less, which increases the volatility of returns and increases the odds of you selling your property in the midst of a downturn. The truth is that if most investors were able to hold on to their cash-flowing properties purchased before the 2006 peak until the present, they would be back to break even. But unfortunately, most investors didnt buy cash-flowing properties with enough margin of safety or had holding periods that were too short. Understanding Conflicting Incentives Real estate agents, syndicators, wholesalers, and other real estate professionals who make money off of transactions have short-term incentives that can go against your long-term goals. This isnt a ding against these real estate professionals. I know many of these professionals, and the ones I associate with do their best to balance their interests and their fiduciaries interest. I dont begrudge them for trying to make a living, but you have to understand they only get paid when money changes hands, so they have the incentive to pressure you into an investment that doesnt make sense. You will also find other investors trying to sell their poorly performing properties at the peak of the cycle to offload their duds to newbie investors. Just because an investor owned a property doesnt mean its the right property for you. Make sure to do your due diligence. A Note on Due Diligence Real estate is a cutthroat business, and you will come across many unscrupulous actors. If you get a referral, whether from BiggerPockets or outside of BiggerPockets, dont assume its a good referral. Do your homework.Always ask people who are trying to steer you into an investment or working with a particular person, Are you receiving a commission from this deal? And if so, are you a licensed real estate professional? If they answer yes to the former, they should be a licensed real estate agent. If they arent, back away because if the deal goes south, you dont have the benefit of the department of real estate backing you up. Winning the Battle and Losing the War Think of the times outside of sports where you have competed for something and were happy with the results. Maybe you fought hard for a promotion by isolating your peers. Perhaps you lowered your commissions in order to beat another real estate agent to a deal. Or maybe you overpaid for a piece of property in order to close the deal. All of these scenarios result in a win in the short-term at the expense of losing the long-term battle. This is known as a Pyrrhic victory. The most important thing in real estate is buying a property at a profitable price. If you screw this up, the rest doesnt really matter. Competing for bad deals lowers your return on real estate, causes undue stress, and leads to poor decisions. Its as if you are fighting for the lowest return on your time and money. If you dont remember anything else I said here, remember this: There will always be another deal. Having the ability to walk away from a deal (or anything else in life) is the most important power to have in real estate. Most investors cant do this, and they will suffer the consequences. Because you have a job, you have the power to walk away from deals when the real estate market gets out of hand. The Difference Between Linear Growth and Exponential GrowthImage via: Tor Bair When newbies get started, its easy for them to get discouraged because real estate is not as easy as purchasing stock. They look at real estate as a linear game, meaning for each unit of time input, they should receive an equal amount of cash output. WRONG! Real estate is more of an exponential game. When you first start off, you will see little or no return in your efforts. It took me about a year of research and hard work before I made my first investment, and that was when the market was buyer friendly. In this market, it could take much longer. That being said, since Ive made my investments in real estate, there are months when Im not doing much work in real estate, yet the returns from my initial input of time are exponentially increasing in the forms of output of cash flow, appreciation, and new opportunities to set up partnerships with other investors. While others are living off the cash flow from their properties, we have jobs that pay our bills so we can reinvest our cash flow into other properties to take advantage of the power of compounding interest. So dont get frustrated, take it slow, and consistently spend time studying real estate. Dont focus on the output. Focus on what youre learning and how youre growing personally. Comparing Yourself to Others Will Only Hurt You Never compare your real estate success to others because we all have unique life circumstances. Hearing the first BiggerPockets Podcast episodes about people buying houses in the depths of the recession for a pack of smokes or a jug of moonshine definitely can be disheartening when current prices are in the stratosphere. Dont freak out. Real estate goes through cycles. You need to focus on your own immediate goalsand dont compare yourself to others. Comparing your real estate endeavors to others is a great way to make poor financial decisions. Be wary of hindsight bias. You really would have to try hard not make money in real estate between 2010 and 2013. Some people take absolute credit for their success and are willing to sell bootcamp tickets to cash in on their luck. But due to survivorship bias, we arent hearing the stories from the people who used the same strategies before the financial crisis. The reason why we dont hear from them is bankrupt people dont like to share their stories of failure. They sort of disappear and are ignored. People would much rather chase the gurus who spin their stories of success and wisdom. So when you see someone who did well during this last period of time, realize that a certain aspect of it could be sheer luck, and if so, dont be so eager to attribute it to their sage wisdom. Related: The New Investors Simplified Guide to Landing a First Investment Property What Does This Mean for You? This is a great time for you to build your real estate investing network, learn about real estate investing, and save your money. This is also a time to be cautious when it pertains to deploying capital in real estate. Sure, you might be able to find an opportunity here and there, but you have to take it slow. What Types of Real Estate Investing Should You NOT Do?Fix & Flip or Any Major Rehab Project This strategy is out due to the major time requirement, the knowhow involved in managing such a project, and the increasing cost of construction labor due to a shortage in contractors. Not to mention, if you miss appraisal or your expenses balloon, youre going to have a bad time. Right now, BRRRR is in fashion, but once properties start missing their appraisals, you will see why that method can be so risky and was part of the reason people failed catastrophically in 2006. Tax Liens and Note Investing These investments are doable, but you miss out on rent growth and appreciation. Im assuming youre aiming for rent growth and appreciation. In some cases, the borrower is unable to pay back the loan and you might be able to scoop up the property, but the foreclosure process can take forever and there are no guarantees other parties wont try to bid up the house price via a shill. Most importantly, you have a full-time job and you dont have the time to head over to the courthouse and bid on failing properties. Also, we never count on appreciation when building our financial models, but if we dont have appreciation, it hurts our ability to raise rents down the road because appreciation is a quantitative measure of the desirability of an area and a persons willingness to pay premium prices to live there. Development Projects No. Development projects have a million ways to implode for first-time investors and you really need to know someone you trust can walk you through all the intricacies of development. My family did make money off of our own projects, but that was after years of experience in investing in real estate, building experience in construction, and developing relationships with the city. We had great success, but we also had our butts handed to us on a deal. For newbies, I suggest staying away until you truly understand development. 3 Types of Real Estate Investing You Should Consider Being that you have an awesome career to focus on and family responsibilities, you need to use an investment strategy that fits within those time constraints. I recommended tech employees start with the following are three strategies when they begin investing in real estate. Buy & Hold Within an Hour-to-Two-Hour Drive From Your Residence This is hard for most of us to do in the Bay Area, but in an ideal world, you would be able to easily drive to your property to check on it and make sure your property manager is doing their job. If you decide to pull the trigger on an investment, buy something conservative. It should be a single family house or a small 2-unit duplex. If you dont have experience managing tenants, you shouldnt set yourself up for failure by making your first investment a property that has 3+ units. Ease yourself into it by starting with a duplex. Most importantly, invest in a neighborhood thats no lower than a B-class area, which means low crime, with blue and white-collar workers, within the path of economic development. Out-of-State Buy & Hold With a Property Manager Many employeesare doing this right now. They are buying properties out-of-state and using a property manager to manage them. I suggest you find one primary market to invest in and then do your market research on the state to learn about demographic trends, job trends, government climate for business, earning potential of residents, etc. Then pick a city and neighborhood to research crime rates, schools, location relative to job centers, and the citys general plan for development in the area. For the love of all that is good and science, when youre starting, dont invest in a neighborhood lower than a B. The lower you go, the more crime and the more landlord hassles you will have to deal with (more on that for another post). And most importantly, get yourself on a plane to see the area in person. Nothing beats visiting an area before investing there. Syndication Basically, youre a silent partner in a deal for a large apartment complex or commercial building thats already constructed. For these deals, you need to be an accredited investor or a sophisticated investor. Syndication is similar to buying a stock without having the benefits of liquidity. When you buy a stock, hopefully you read the 10-K to understand the companys business model, opportunities, management, and risks involved in buying the property. Once youve read it, then you make a decision to invest or not. From there, youre basically a silent partner, and hopefully the company does well so you receive a gain on equity or a dividend. For a syndication, instead of reading a 10-K you receive an Offering Memorandum, which is essentially a 10-K but for investing in a large multifamily property, retail building, storage facility, or development deal (development is the riskiest). After reading the terms, if you like the deal, you can write a check to the syndicator for an equity or debt position in the deal. If the deal goes well, you receive regular rent distributions, and once the holding period is over, you receive your principal and appreciation. You can find syndication deals via RealtyShares, Fundrise, and Realty Mogul. Wait, Why Didnt You Mention REITs? Yes, REITs are freely traded on markets and you can get in and out whenever you want, but they have an added level of volatility so they arent for the faint of heart, and when you see those daily price fluctuations, it can compel you to cash out too soon. The problem I have with REITs is its hard to get specific exposure to a desired area, and its hard to see the specific assets and returns in the fund. For instance, Im exposed to Sacramento for my buy and hold, but lets say I want direct exposure to Texas, specifically South Austin near a recent development. Its hard to find an REIT that is micro-targeted. Also, you dont have that much control over the actions of management or exposure to them, so you better hope the team knows what they are doing. That being said, REITs can be great investments; its just up to you if you want to go that route. Spreading Yourself Too Thin Ive known quite a few investors who have scattered their buy and hold rental portfolios over numerous states in the hopes of higher return. While they have the energy and time to do this, they forget that even returns have a law of diminishing returns. Scattering your portfolio creates an added level of complexity for your investments, which can lead to poor decision making. As you grow older, keeping track of the economies, policies, and tax regimes of multiple states can be more trouble than its worth. Assuming this is your buy and hold real estate, I recommend investors go deep in one market before spreading themselves too thin between multiple markets. As you begin to develop a better understanding of your primary market, you can spot opportunities and deploy capital faster than rookie investors. Eventually youll develop rich networks you can tap into to provide your business with the strength it needs to succeed. A Blended Approach to Real Estate Investing You should own buy and hold real estate indefinitely because you have a much longer holding period than standard partnerships or syndications. But you should have exposure to syndications, REITS, and other real estate partnerships to broaden your exposure. Using the latter forms of real estate investing, you receive the benefit from exposure to other markets, while leaning on professional management to protect you from the potential pitfalls of entering markets youre unfamiliar with. Of course, you need to do your due diligence! The only problem with partnerships and syndications is that eventually they end, and youll have a chunk of cash youll need to reinvest. But by having a healthy buy and hold portfolio, youll still have exposure to the market while youre looking for a place to reinvest your capital. Well thats it for now. Let me know what you think. Next time I will go into a deep dive on how to analyze real estate markets. https://www.biggerpockets.com/renewsblog/ultimate-guide-tech-employees-starting-real-estate/

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gramgoessurfing · 6 years ago

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Thoughts of a redhead in the ocean

I’ve decided to write about another trip because I had enough thoughts to fill up more space than a few tweets, I hope. This is about a 5 day surf trip I took down California in my 2010 white Toyota Camry, which isn’t exactly what a 25 year old boy dreams his surf car will look like. After shaming my family for retroactively making the wrong decision at the car dealership when I was in my junior year of high school for only this moment, I filled up my tank of gas and played tetris with my 5′9 surfboard until it fit diagonally inside my car. It wasn’t a good look. I avoided eye contact with all other drivers for the full duration of all red lights I encountered. If you read my last 2 blogs about my trip to Europe and Africa, you may have noticed the subjects of my blog are becoming less exciting and adventurous, both in activities and geographical distance from homebase. I’ve decided my next and last blog will be 2000 words about the uncharted territory of my studio apartment.

The way I planned this trip is that I didn’t. I had no idea what beach I was going to until the morning of each day, nor did I care as long as there were waves and sunscreen. I did not tell my mom about this strategy because she would have felt that she failed as a mother as to how I planned this trip and would have either spent years in therapy or bulk ordered those awful York peppermint candies she likes (again) to suppress her feelings, to which I don’t know what’s worse. I then proceeded to buy a book that’s above my reading level and took off.

My first stop was Santa Cruz, which is also my favorite town. You know you’re in Santa Cruz when you see most people longboarding their dogs barefoot down the sidewalk. There’s an appropriately named break called pleasure point where I like to go and surf until I either cant feel my arms anymore from paddling or I see the ugliest creature both in or out of the water that seems to linger around the area, the elephant seal. God made this animal to raise the self esteem of humans.

I started this trip on a Monday and hopped in the water around 2 pm. People who surf at 2 pm on a Monday are different than people who surf on a weekend. On a weekend, you look around when you’re out there and it seems obvious that the majority of people are just those with regular jobs trying to harness enough fun to get through the next workweek without an ‘incident’. Monday at 2 pm is different. There’s a different vibe. Time tends to slow down and there’s less clutter and you look around at the diversity of water lovers sitting atop a board waiting for the next set to come in and project what went so right (or wrong) in their lives that they are in the ocean at such a time. You can tell there are people out at that time who need to be; you can feel their pent-up energy likely from the aftermath of some type of job stress or gambling addiction crisis and they’re here because if they’re here they’re not causing domestic violence at home. Then there are the people on the other end of the spectrum, those who are either unemployed (like me) or retired and are searching for the high from the waves that inevitably comes with pleasure point at high tide.

My friends have told me when they’re in the ocean surfing or swimming their problems tend to go away. They’re not thinking about their job or what errands they have to run or that their girlfriend is mad at them for not waiting to watch the most recent episode of Ozark together. I don’t know if thats true for me. Yes, my problems that I usually worry about go away, but new problems replace them. Now I’m just on the constant lookout for any abnormal movement in the water to locate whatever seal or shark smells the blood of the small cut on my thumb from biting my nails during the most recent NBA playoff game, or worrying if my pale redhead self is going to need chemo sooner than later because I just wanted to catch 1 more wave while the sun gives me freckles that I didn’t ask for. Also, judging by the way wells fargo keeps bothering me about how I don’t have enough money in my savings account, I wouldn’t be surprised if one of their recently hired tellers put on a wetsuit and found me in the ocean to tell me the way I’ve been using my credit card lately doesn't match up with my ‘financial roadmap’.

Pismo Beach: This was the climax of the trip, and sorry for using such a word but I didn’t like any of the other options that http://www.thesaurus.com/browse/synonym offered me so this is what I’m going with. Climax. I’m not sure what I did to deserve what happened this day. I don’t think I’m a big believer in karma but I was looking back at what I could have possibly done that morning to grant me such luck. Maybe it was the cadence in which I ordered my tall iced Americano at starbucks or the fact that I complimented my air bnb host on the layout of her bathroom before I left only to get a response that guests weren’t allowed in that bathroom. Whatever it was, I was in heaven for 90 minutes at Pismo pier and caught so many 6 foot lefts I would have still been smiling if someone threw a boba tea at me later that evening. When trying to park at the beach I took a wrong turn and approached a parking attendant who told me I needed to turn around to previous parking lot or I could spend 4 dollars to park on the beach. I laughed right in her face thinking she was making a joke only upon realizing moments later when I walked to the beach with my board that there were, in fact, cars parked on the beach. Strange place SLO is.

I need to take a quick break and dedicate a section to the things nobody wants to talk about: getting into a cold/wet wetsuit. There’s two type of people in this world: those who know what this feels like and those who don’t. Those who know have a certain look in their eyes and there needs to be more advocacy to address the victims. If you’re one of the lucky few who has no idea what I’m talking about, I’ll guide you through the experience. This is the part of this blog where I wish I recorded an audiobook, but bear with me: There’s a few ways you get stuck in this situation. Either you surfed recently and left your wetsuit in your trunk due to laziness or you surfed recently and left your wetsuit in your trunk due to stupidity. Whatever avenue led you to this point, there’s no turning back. First comes the shameful act of untangling your cold, damp suit while retracing the steps that brought you to this point. Nothing better than the 5 stages of grief perfectly describes the process. denial, anger, bargaining, depression, acceptance. All of those words have a place in this. You start to ask yourself if you even want to surf and if the 45 minutes it took you to get to the ocean could just be turned into a nice drive and back. You actually telling yourself things outloud under your breath like ‘it’s not the destination that matters but the journey’. But then you snap out of it. You catch a glimpse of yourself in the side mirror of your Camry and know you’d never be able to look at yourself again if you don’t grow a pair and put that fucking wetsuit on right now. So you do. You put one leg in at a time and pull it up your waist where it passes a particularly sensitive part of your body and then pull it up over your shoulders and by this point you realize the world isn’t a fair place and you go hop in the water.

Santa Barbara next. Gloomy, overcast, misty, Santa Barbara. I went out near a wetlands earlier in the morning on a break with small waves and the smell of methane gas surfacing up through the kelp due to the oil reserves nearby. It seemed boring compared to the day before but I always have a baseline happiness when I’m in the water regardless of what’s happening. After catching a few small waves, I peed in my wetsuit and got out of the water. Apparently somebody in Isla Vista took a break from playing snappa and decorated a concrete structure:

No matter what day or time you’re out though, there’s always that guy who thinks he either owns or has reserved the ocean for the day. I have devised a 4 step process as to how to identify who this person is and it is very easy:

1) paddle for and try to catch literally any wave

2) wait and listen for an extremely loud voice calling everyone else off the wave

3) watch the target person scream profanities/give evil eyes to anybody who was within 100 yards of him on the same wave as he paddles back out

4) watch him put his affliction t-shirt in the parking lot after he’s done surfing.

If you’re wondering, the answer is yes, this is the exact same person who tells you to stop being a bitch when you’re playing pick up basketball and calling your own fouls and call one on the guy who pushes you with 2 hands during a layup and you look back at him and he’s of course wearing a randy moss NFL jersey and what he thinks are basketball shoes but are really from the streetwear section of footlocker.

Los Angeles: After Santa Barbara I kept driving South and stopped in Ventura which I have no good content about except that its a perfect place and I would like to move there. After that I drove to spend the night in West Hollywood at an air bnb that ended up being a windowless bedroom in the back of a massage spa (healingpoint, see below). In my defense, I did not seek this out I just booked my room too fast without reading descriptions. I spent most of that night walking around in mandatory slippers and looking at different consistencies of massage oil that were for sale. I still haven’t finished unpacking the strangeness of this night, but I’m sure the effects it had on me won’t come out until later in my life, much like when your mom’s passive aggressiveness toward you as a child doesn’t manifest itself until you’re 22 and yelling at your significant other about how they got the wrong color shower curtain.

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briefbouquetcreatorlove-blog · 7 years ago

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A question about Group Medical Insurance and Life Insurance?

"A question about Group Medical Insurance and Life Insurance?

ok my friend will be working @ braums as a full-time .. and she told me that she will get life and medical insurance without even paying for them.. is that true? so lets say she cut her hand and now she need to have a surgery does that really mean that she will get surgery for free? and whats the difference between Group Medical Insurance and Life Insurance? and if she is not right that can u tell me how does it work? here is the link read the benefits @ the top of the page

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suppose a 24 yr old is paying $600 a year for liablility car insurance. how much will this person be paying when they reach 25 years old?

Estimated Insurance cost for 1990 trans am?

Im turning 16 soon and am close to getting my license. Im planning on driving my dads 90 trans am w/ a 5.7 liter engine and automatic trans. Problem is, he thinks insurance is gonna cost a **** load. Does anyone know on average what the insurance price would be. The car will go under my dads name, ill just be an added driver. Plus, another car available for me to get 70 240z w/ a 6 cyl engine and 5-speed trans. Which one will have a cheaper insurance rate?""

Need help with my car insurance. . . ?

i need some help cos i'm pretty confused so i bought a car at the start of the year, took out a loan to get it, etc and I have been having no problems paying it off so that was going fine. than two months ago i had a huge crash which totalled my car. It wasn't deemed my fault or the other person's fault. I did have full comprehensive insurance, but i missed two payments. I remember recieving a letter saying if i kept missing these payments then my insurance would be cancelled. Than when i put my claim in to get my insurance on my car through after the crash, they said i had recieved a letter syaing that my insurance had been cancelled due to lack of payments. I'm confused, i didn't get that letter. now, i have no car and am still paying off that loan. Is there any way I can fix this. I don't think i would be able to get another loan for another car, and i don't want to put myself into that much debt, but i really do need a car help?!?!?!""

California statute of limitations re: medical bills ?

My sister a Canadian visiting California became ill during her stay. She was diagnosed with terminal liver cancer spending several months in a Sacramento hospital due to complications. She had medical insurance however there was a dispute related to a pre-existing condition. The dispute remains unresolved and contact with the insurance company ceased more then two years ago shortly after her death.The bills in question total more than $600,000. What are the implications related to the California statute of limitations and the estate of my deceased sister? There is no communication with the hospitals, doctors or any medical service providers who hold the debt nor with the insurance company who provided the travel insurance.""

California Insurance company that will insure a shake roof?

Does anyone know of an insurance company that will insure a home with a shake roof. We put an offer in on a house in Big Bear CA and now we are 3 weeks out of closing escrow and need to find an insurance company that will insure it for the close of escrow??? PLEEEEEASSSSSE HELP!!!!!!!!!!!!!

Car Insurance in Georgia?

I just bought a new car, and I was wondering what does the state of Georgia consider to be full coverage auto insurance?""

""Depending on certain factors, what would my insurance premiums be?""

i am a teen driver, just got my license and now am looking for a car and i was wondering how much more my insurance rates would be if i was driving an early 2000 era BMW, Audi, Lexus or Jaguar vs something like a simple japanese or american made small truck or sedan. I also get straight A's in schooll as ive heard that can factor into it as well.""

""Hit by a person with no car insurance, now what?""

I was rear ended by a kid that has no car insurance. He license was also suspended because of this. I called the police and filed a report with my insurance company. Do I have other options? I feel I should not put out a cent as I was not at fault. I have to pay my deductible and I know my insurance will go up, no matter what they say...""

Will my parents' insurance rates go up?

I recently got 2 traffic tickets (1 for speeding and 1 for disobeying a traffic control device). However, the car I am driving is registered under my parents' policy and I am not the primary driver for it. Will my parent's insurance rates go up because of this, or will this only affect my driving record?""

How much will my car insurance go up after my first ticket?

I'm 19 and live in VA and got my first speeding ticket tonight (77 in a 60). I've never been in an accident or anything before, but I was just wondering if anyone had any idea about how much my insurance rate will go up? and will going to court/driving school affect what happens with the insurance rate, because otherwise i was just going to pay it online.. thaaaanks!""

Does anyone know anything about Life Insurance?

I heard on the news that some life insurances might be in trouble..especially if they dealt with AIG. I have life insurance with AARP...Please tell me if I am in danger of losing it....What is the matter with people...Why are they so evil and greedy??? How would I find out if my Life Insurance si still good??

""Insurance rates for a 1996 Ford Crown Victoria in Chattanooga, Tennessee?""

My next car, just need to know the insurance. Asking you guys might prevent me a whole lot of hassle and harassment from the insurance companies.""

Insurance settlement.?

Back in October, I was hit by a vehicle that was backing out too fast from a parking spot. My vehicle was parked and there was no one in the driver seat. My three children were also ...show more""

A question about Group Medical Insurance and Life Insurance?

Which car insurance won't be so expensive for me?

I'm 19 years old turning 20 at the end of this year. I Go to college. I don't have any tickets on my driving record. i got my license when i was 18. my car is volkswagen cabrio 2000. which car insurance will be the cheapest for my case?

Do I need to include a speeding ticket that got reduced to a moving violation on a new insurance policy?

I am trying to get a quote for insurance and it asked if I have had any tickets. i did get pulled over and got a ticket once, but I had a lawyer get it reduced to a moving violation so it wouldnt affect my insurance at the time. do i need to mention it when i try to get insurance somewhere else?""

Dodge durango insurance vs kia kia borrego?

Is it cheaper driveing a kia or dodge durango for insurance? People say dodge cost more for insurance then kia. I know to contact the insurance company for sure. But I would just like to know what you think. The kia would be 09 and durango would be 03

Estimate On Car Insurance ? ?

I have been using these comparison sites but I don't really find them much help. How much can a female at 17 whos just passed her test expect to pay on Vaxhall Corsa or a Ford KA.

Does Texas have a state health insurance for children?

In NY we have child health plus which is inexpensive & if your income is low it is free of charge.

Does anyone have car insurance through Wawanesa Insurance?

http://www.wawanesa.com/ I got a quote that is very, very good!! Looking for any feedback, good or bad. Thanks Note: Currently it is only available in California and Oregon (And Canada)""

What are a few cars that are cheap to insure and cheap to run for a 17 year old?

Wanting to know 4 or 5 cars that you think are ideal for a 17 year to insure and be able to run?

Why does Obama believe only 5% of America will pay more for health insurance?

It is a known fact that 1 in 3 American aged 50 to 64 are without health insurance. There are 300 million citizens in this country. The baby boomer generation is estimated to be 79 ...show more

How much will health insurance costs rise in your state?

Our attorney general says Ohio's will be over 80%.

Can you drive your parents' car without insurance?

Im 17 years old , I live in California and my parents have AAA insurance and I have my Driver's license. is it true that you need permission from them in order to drive?""

Adding someone to your car insurance policy?

I'm a new teen driver and as you may all know insurance rates are sky high. I was wondering if a family member, who doesn't live with me, can add me to their insurance policy? If yes, does the car have to be in their name? Or do I have to have the same address in order for them to add me?""

Courtesy Car Insurance?

Hi, everyone. I currently in Adelaide, SA. My car got some problems and need to return to the dealer to repair for a few days. They will provide a courtesy car/loan car for me to use for free. But they tell me if any accident is made, I will pay the insurance excess which amounts to $2000. So I want to buy an insurance to cover this excess. I have asked a lot of insurance companies and they do not have insurance like this. The one I know the insurance companies they provide is that if I rent a car from the car rental companies like budget and hertz but not from the car dealer. Anyone have any idea that any insurance company provide the insurance to cover the dealer courtesy car insurance excess? Thanks a lot, guys.""

Medical insurance help?

I need to find some insurance to pay for my eye doctor b/c the insurance that I had is gone. I used to have Anthem.

Is it worth having private medical insurance if your in your 30s and healthy?

""Will an unpaid emergency room bill keep me from being able to buy health insurance, OR hurt my credit rating?

I have an emergency room bill which I have not yet paid and I'm wondering if it will keep me from being able to buy a health insurance policy and if the unpaid bill hurts my ...show more

Ticket for no insurance?

Last year around September I made the grave mistake of letting a friend borrow my car to see his girlfriend and he claimed to have just gotten his license and it was supposed to come in the mail within the next week. I believed him and it's my fault, no question about that. He got pulled over and the cops gave him a ticket for no proof of insurance. And because he didn't have a license, they impounded my car for 30 days, but if he had gotten his license within that time, I could've retrieved my car earlier, but he was not cooperating. To make a long story short, I paid 1,500 out of my pocket to release my car from the impound lot, and my car was insured at the time but he was too dumb to find it in my glove compartment and got a ticket for 2,000. He now wants proof of insurance to dismiss the ticket but I'm not giving him it until I'm reimbursed for the impound fees. Is there any way he can get out of the no insurance ticket without proof of insurance? I live in California btw. Thanks!""

""Female, over 25, 9 years driving experience needs CHEAP CAR INSURANCE?""

Hi, my previous insurance was less than 350.00 for third party, fire and theft (in london). My new car is similar but I am getting quotes for 800+ for third party fire and theft. This is ridiculous. I am in my late twenties and have been driving almost 10 years. I would really appreciate names of small insurance brokers. 10 points.""

Do you get health insurance as a Burger King crew member?

do you get health insurance as a BK team member if so, what type? Also what is covered and what is the monthly cost? Thanks""

Best Place to get a Car Insurance Comparison Free Online?

What sites are best for car insurance comparison? I am trying to find a site that has the widest range of quotes and policies so I can pick insurance cover that is right for me, the plan I have that's due to expire soon is terrible and I feel really ripped off. It's just proving really hard to find something affordable and with good quality cover. Has anyone tried a car insurance comparison site that offers quotes from more than just the usual four or five insurance providers?""

Insurance premium increase of 50%?

I had an accident with my RV that was about $1,200.00 on my side and very minor on the other vehicle. The accident was considered my fault and being 1 point and my first ever in over 32 years of driving. My insurance company now has increased my premium about 50%. I am in California and would like to understand the criteria for this increase. It looks like the company will recover the full amount paid in the next premiums. Where can one go to understand this? Thanks""

Lowering my car insurance premium by putting my car under my roommate's policy?

I'm 20 years old and I own a car. I pay a lot for my own insurance. But I live with a 25 year-old roommate. Is there anyway I can lower my insurance premium by putting my car under his insurance policy because we live together in the same household. What do I need to do? We don't have the same insurance company and does that mean I have to terminate my current insurance and switch to his company? Or a lot more need to be done? I have no clue. This means big savings for me so please help. Thank you!

Is car insurance much cheaper if you have more than one vehicle?

I heard that it is, so I call Esurance to ask them and make sure and the lady on the phone said that it will be much higher if I insured 2 vehicles. -civic 4door year2000 -ford winstar year2000 -New York""

HOW does indemnity insurance affect Home insurance?

How does having indemnity insurance on a home for buiding work carried out with out building regs affect the cost of Home building insurance?

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

Is it higher in different areas

What use of a bike is cheaper for insurance?

on the progressive motorcycle insurance site, it has a tab for use of vehicle--- which would be cheaper: pleasure or to/from work/school?""

A question about Group Medical Insurance and Life Insurance?

Car insurance question....?

A stray dog ran out in front of my car causing me some damage. My insurance adjuster writes his own estimate so he told me what the insurance would pay minus my deductible. He said the check would be sent to me, that I can have anyone I want to fix it and to shop around. Does that mean if I can find someone to do it for less I can keep the extra to help me toward my deductible????? even though I need to tell them who is doing it before the check is sent to me. (the check will have both names on it) My friend says if I can get it done for less that agreement is between me and who I chose so any extra is mine?????? I don't want to do anything wrong but I also don't want to give money away that I don't have to.""

""High deductible, low premium?""

hello, can someone please explain insurance terminology? what does high deductible mean? who should get this and who SHOULDN'T? i am trying to help my parents by purchasing ...show more""

Finding taxi insurance and licensing in Florida.?

I'm trying to find an insurance provider for my taxi in Pinellas County, Florida and can't seem to find anyone who provides insurance to taxis. I'm also trying to find out where to go for licensing and what type of licenses i need. Does anyone out there have any information that may help?""

Is it cheaper to get insurance on the same car or on a second hand car?

hi im taking driving lessons and my test is soon. I want to know if it is cheaper to get a second hand car and get insurance on that or get insurance on my brothers car. Which one is cheaper?

SVT Cobra 03 Insurance?

My father has a Mustang Cobra 03. Since I have a permit now, the cobra is all mine. I am wondering how much will I have to pay for insurance? I am sixteen years old (sirousely) .Male. No Violations. A student. No modifications to the car. Only driving it to school and work. I tried getting qoutes online but they are not availeble for my age. Please give me an Estimate. Help. Plz.""

Car insurance for young drivers? uk?

how can i ( a 17 year old) get car insurance before im 25 without the stupid prices and without getting a car that says it has the cheapest insurance when its 4 grand. i bought a 106 but the insurance is 6 grand. please help. best answer gets 5 points. please list where i can get cheap insurance, what car is the best and cheapest for insurance, how i can cut the cost. in total i will pay up to 1900 in insurance and about 800 on a car.""

Saving up car + insurance HELP !?

My partner is having driving tests every week, and she is a more advanced driver. I just like to get advice on this matter, financial ? I do got a job, part time mainly. I do earn around 180 +- a week if I am lucky, She has student loan, 800 every three months and that's not much since she has to pay university fees. normally around 9k. now it's around 4.5 thousand pounds I guess. She wants to get a car insurance and a car, we are troubled what to do since if she wants all of that it will be loads more. Since insurance is 600 pounds every year ? petrol and other costs MOT. Road tax ? Just some examples, there might be lots more to worry about. I will help her to get all these things, She thinks it would be easier to get a second hand car, that will hopefully handle 2/3 years ? I do not believe that's a wise choice since that would be much more expensive for extra costs and repairs. On top when she is done with Uni and she has to get a job, it's more sufficient to still owning a proper car to get you everywhere. The body could be damaged, and the chance of a accident is higher + extra costs. Can anybody help us out ? A second hand for 2/3 thousand with a insurance of 600 a year ? or not ? Lemme know ! Thank you !""

16 year old looking for car insurance?

Hi, I am a 16 year old male living in California and I just got my license. What are some good, cheap car insurance agencies? Thanks.""

Do you have to get car insurance?

I live in England, i am not getting an car yet. I don't want to pay a lot of money & i am in my teens and i heard it is quite a bit of money for insurance, so i don't want to ...show more""

Deducting Health insurance premiums on 1040 federal income tax form.?

On 2012 federal tax return form 1040; line 29 Self-employed health insurance deduction. If all my income is from Real Estate rentals were I file a Sch E for reporting my income on my 1040 tax return, does this qualify as Self-employed under the IRS definition so I can take the deduction on line 29?""

How can I get my insurance CSR 440 certification?

I would like to pursue a career in insurance adjusting

Insurance in USA for people above 45 and below 60?

Hello, My parent just moved to USA (NY) a few months back and my father works at a grocery store. My parents do not have health insurance and I want to get them medical insurance somehow, something that is affordable since my father's job does not offer any health coverage. I am there only daughter and I asked my employer if I can add my parents to the my insurance policy but he said that will not be possible. My dad has been searching for a job which offers medical coverage but unfortunately it is a tuff time to find a job. My mother is suffering from Sciatica pain she went to one of the walk in clinics and got the medicine and ended up paying 200$ which did not do any good. Any suggestions how I can resolve this issue?""

""Young married couple, low cost health insurance with Rx?""

I'm going to get married soon (not RLY soon but i have to start thinking about some things in advance) and I have to get health insurance. I'm really confused by it but I've been doing some reading about it and some figures about the kind of finances we are going to have and all I really know at this point is that we can't afford more than 200 dollars per month and that has to include prescriptions and everything. My soon to be husband is really healthy, only real issue is near-sightedness. I'm a little more sickly, I have asthma and allergies and the same eye problems. I keep them all pretty much under control but I need my meds. What plan would be best for us so that we can keep costs low and still get me my Rx?""

How much would my insurance be?

I will be a sixteen year old male and im getting my lisence the summer before junior year i have around a 3.2 gpa and the main car ill drive is a 2006 honda pilot and my dad has a 2007 honda civic. Also my dad is insuraned through geico and same with my sister but shes at college. Around how much would my insurance be? I know its more cause im a male but I would just like a ballpark amount. Thanks.

Insurance quote?

hey, for school i have to know what an insurance quote is and none of the sights i go to will give me any information. so can you help me? what is an insurance quote and for what kind of insurance? all of them?""

Health insurance question about coverage under age 26 while married? HELP?

Im currently age 22 and on my mothers health care plan and scheduled to get married in October. My question is, will I still be covered on my mothers insurance plan if my future spous has a form of employer insurance that i could be on. This would however kill her monthly take home pay. Shed make 300$ a month for full time job Im self employed and have NO Employer-based insurance opportunities and will still be 22 when married. So when i get married will i be kicked off my mothers insurance because i have the potential to be on my spouses insurance plan? This Affordable Care act law is somewhat vague on this topic""

How do i become an insurance agent in california?

Can you register and buy a (cheap) car with no license or insurance?

I want to know if i can register a very cheap car thats around 2,000 tops at a used car lot and buy it with no problems.What problems will i face isnt it easyier to get a cheap car like this then at a actual new dealer i have no license or insurance do i pick a dealer with in house financing the only thing they will most likely ask for is it to get registered can i do that im paying half down.?im 21 im getting my license in 2 weeks (and no i cant wait)""

""Car insurance is way to high, will riding/insuring a 50cc or 125cc bike reduce my car insurance after 2 years?""

I am 19 and have passed my car driving licence 2 months ago. The insurance for all the cars I have looked at are way to high. More than 2500. I am doing my CBT next week, I was wondering if I drive a moped or 125cc for a year or two will this reduce my car insurance, please help as I need to get on the road. Thankyou.""

Can a convicted felon obtain a licence to sell insurance?

I am a 33 yr old female in Texas with a federal coviction. Can I obtain an insurance license to start my own business? I have been selling insurance for the past 3 years and I would like to open my own franchise. Is it possible, if so where/how can I start?""

Where can I find cheap car insurance in Florida? Please help!?

I am a 16 year old girl and live in Florida. I have my learners permit and plan on getting my license in January. I waited awhile to get my permit and only a few months later I was involved in a car accident. My mother told me to go and we were hit from the side and then went into another car. Nobody was killed but two cars were totaled. I took a correction course and got rid of the points on my license. 6 months later I was in my friends car going to the mall when we stopped at a red light. A teenage boy behind us did not stop and we were rear ended. I went to the doctor and have a herniated disk in my lower back. My parents were going to buy me a car until they called our insurance company. They have USAA, who said i would be $500 a MONTH to insure me due to the multiple accidents I have been in. I didn't know they were allowed to charge someone for being a passenger in an accident that they were not at fault for! I need help in finding cheap insurance. Any suggestions?""

""I need Health insurance, is it possible to get it?

Im 20 yrs. old and i work and am a full-time student but don't seem to make enough for health insurance and i got knee issues. How could I RECEIVE GOV. ASSISTANCE ?.What would be my best plan??

Insurance fraud or what?

i have a question in I believe early 07 someone was driving my car, crashed it, took off n threated me if i said i wasnt driving, so ehh 4000 in damages.. the insuranced paid for it, n i said it was my fault. how long till its off my record and insurance is cheaper?? (sucks there isnt a way to wipe it off.. errrr)""

How to find out if someone does not have no car insurance?

Somebody back intoo me at walmart parking lot they said they dont have no car insurance so i got down there name and stuff and called it in but i think the lady was lieing about have no car insurance is there any way to find out mybe by a drive tage ?

How can you get auto insurance after 2 DWI's?

A question about Group Medical Insurance and Life Insurance?

https://www.linkedin.com/pulse/what-company-has-very-cheapest-car-insurance-gwendolyn-varnado"

0 notes

gennietindale-blog · 7 years ago

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Easy Recipes For Kids And also Making Homemade Presents.

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0 notes

somedaypast-thesunset · 7 years ago

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ive had a very crazy day. just like .. mentally. but i went with it because thats who i am right now. if i need to spend literally seven hours on the same topic until i spend 7 more on youtube talking about music? well i guess thats the day my brain is deciding upon.

thats my problem. obviously. i have SHIT TO DO thats iterally anything but that but here the fuck i am. but even though today i lived in anxiety i didnt make rash decisions - i didnt fuc myself any harder than im alrady fucked. i didnt embarass myself or overstep any personal boundaries. i’m not going to beat myself up because i’m nuts. that just makes it worse.

in the end i feel better for just giving into it today. im exhausted because its exhaustng to be me but i didnt have like massive anxiety added to it. sorrry guys, ths is who i am.

and honestly? laughably? im in a better position in life than ive ever been in some guy wanting to “break up”. i literally very likely will be totally okay. its not impossible, you know? its not ~unheard of. im not even into crying about it. we’ve done this _enough_ so like.. this is what IM doin. i dont know wha the fuck youre doing but whaever it is unless its what IM doing, i’m not doing what youre doing right now. i’m just not goig to live the life you want but i will distance myself financially. thats the compromise - i live my life how i want, i dont ask for anything - expect anything from him and i figure out a way financially. its not like im on drugs tryng to be an addict. im just doing what i think is right for me and it has room for other people bu not if they expect different from what im doig right now for me.

so its okay. its okay for him to walk away. i’ll miss hanging out with him and doing things together, we had a lot in common so i didt have to talk about dumb shit with him and he actually in many ways was always very respectful. if we rated guys to date on yelp, i’d give him a good review. so i’ll be sad about that but it’s not like he’s the only person who will ever put their dick inside me. i have love for him but hes not the be all end all of my world. i did _that_ before and even if i didn thik i had a future, he still wouldt be my whole world. maybe he’ll end up on my top list of guys ive ben with. maybe ill meet even better guys? its not hard. ppl have been waiting for the chance.

i _dont_ need him. like,for much of anything. and im not saying that beause oh fuck him he doesnt love me. but because of everything ive known - he doesnt support me beyond weed and a few meals. i still struggle to provide everything else of basic survival for myself. we have a perfectly healthy sex life that im actually grateful for experiencing because ive bee really used in the past and because ive hd og term relationships, it went on for a long time. so i’ve grown to know what is okay, what i enjoy and to a degree, why i enjoy it and that its always, always okay to say no. i would never bring up our sex life as a negative. hes not “amazing”. but being respected is.

i said this in may. when this last happened - i hope he’s done. i hope he’s done because this is stupid and futile. i’m living my damn life. if its not him, it’ll be SOMEONE ELSE like get over yourself. he fills my time right now because ive chosen to have him fill my time but i can just as easily fid some other dude to fill my time and bitch about asinine shit and be lazy as fuck. not hard. dudes are fucking dime a dozen. go be and do whatever it is you want. no one in any way is forcing you to do shit so go. be away from me. dont be in contact with me. live your seperate ass life, dont call on me dont text me and if i happen to contact you - igore it because yall not obigated to me. move the fuck on.

he oddly came online to read my message that i told him he woudnt be able to see. i think its dumb he jumped at reading it. but im glad he didnt jump to respond - maybe he couldnt read it. he could coviniently “forget” and try to pass back into our routine but its not something you can let sit around. i think its likely he read it; i told him he would have to download it and he still came to see it so i think he read it and maybe not responding means he doesnt know how to say he doesnt want it. its “easy” but hard to sum up our relatioships farewell as “nah ill pass”. maybe he’ll sit on it and try to craft some og paragraph repeatig how he never wanted this and that he wants to be alone and see me do well. by not immediately reacting it wasnt just some gut feeling. or maybe he wants it to look, or maybe “he is” thinking about it. like really lookig like he gave it thought so whe he says hes finished, it seems more dramatic.

but by definition - by his own definition, i just broke up wth him. he never wanted a relatioship. this isnt a future. by announcig i’m no longer just here for the ride - tht i have plans of my own, that it’ll require a semblance of relationship and that if he doest want that, then he has to finish it now. its a fair request. is this something? no? goodbye. i have men who woud marry me, i dont need to fuck with “nothing”.

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lordfrog · 7 years ago

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I don’t normally like commenting on current affairs or news but this latest tragedy, in the form of the Grenfell Tower Block Inferno, has left me bereft and so sad and angry.

The poor residents left homeless, possessionless and without a solid future are victims of possibly a needless disaster.

Okay, the tower block wasn’t the most beautiful sight and lacked architectural integrity but it has stood the test of time. My guess is that the local rich folk, in their mansions and London retreats wanted something more pleasing to the eye so as to keep “nice” standards up.

Well thats all fine and dandy but when the task falls on those who want to make a fast buck then greed and cost-cutting is a sure thing.

If the cladding was banned in America and deemed unsafe in Germany for structures over 40ft then why on earth should it be discussed yet alone used. And for what, a £5,000 saving. It makes me sick to the core to think that this could have been allowed.

Yet the bosses of the cladding company and those involved in the decision making are living in lavish mansions, taking exotic holidays and flaunting super cars and the like. That little saving probably bought a wife a nice Gucci handbag or pair of shoes only to be seen in once.

But set aside those grievances and think about how this was even granted planning permission. Someone must have had their palm greased to get it rubber-stamped. Well I hope they can live with themselves.

Peter Green, a complete corporate liar and cheat, is not as bad as these people. Near but not as bad. I mean he stole and cheated employees and investors out of millions but he didn’t directly kill anyone and I’m sure he will be hounded for justice. Let us hope so.

No these criminals knowingly set a lethal time-bomb in motion and have caused death, life-changing injuries, loss of homes and misery for hundreds of people and I really do hope they are brought to justice and live a life of hardship for their remaining years.

I do hope that this is the case and the words of those set the horrible task of investigating this tragedy and not just “there are lessons to be learned” and those responsible walk free.

The residents only crime, no not crime but fault, was that they were of lower status and poor (in the eyes of those who abandoned them). Thus their complaints and worries fell on deaf ears. Just because they didn’t have the financial power behind them then those who could have changed things ignored them.

The hard working people, not just in this country but all around the world, are treated with contempt and indifference, until needed to vote the despots into power. These are the ones that keep the world turning by going out to work at all hours and throughout the seasons for little or conservative pay. They are taxed from every angle and their opinions are left to seed the stony barren land. However, without them these fat cats and leaders would have nothing. And the gap is getting worse and worse.

So I pray that the victims of Grenfell and the surrounding areas find help, justice, peace and a new life of happiness and fortune.

My thoughts go out to you all and thanks for listening.

Contempt and Greed. I don't normally like commenting on current affairs or news but this latest tragedy, in the form of the Grenfell Tower Block Inferno, has left me bereft and so sad and angry.

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trendingnewsb · 8 years ago

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25 ways to save $250 a month that everyone is messing up

Image: Faberr Ink/shutterstock

When it comes to saving money, not every way is the right way. A lot of it depends on your lifestyle and the goals that youve established.

At the same time, there are plenty of mistakes we typically make when it comes to saving like the 25 ways listed below.

1. Not monitoring your budget

When it comes to saving some cash each month, nothing beats a budget. Heres the problem. You base your budget on your fixed expenses like rent, insurance, and utilities. But, what about those unexpected or variable expenses like a trip to the dentist, replacement of your broken iPhone, heat during colder months, the invitation to go on a last-minute weekend vacation, or gifts for birthdays or holidays?

If youve created a budget based on only your fixed month-to-month expenses, then its going to be a lot harder to save accordingly. Instead of saving money each month, youll actually be eating into your savings.

To successfully budget, you have to pay attention to trends and then reshuffle as needed. This way, youll have enough money to cover those unexpected or variable expenses without dipping into your savings. Remember, budgeting is a process. Dont expect to create a budget based on solely on one month. Track your spending over the course of a couple of months so that you can paint a more accurate picture.

2. Spending too much time on being frugal

Another way to save money each month is by being frugal. But, if youre spending more time on monitoring your budget, clipping coupons, or scouring the Internet for the best deal instead of enjoying your life, then its time to reevaluate the situation.

The purpose of saving is so that you have the money to take that family trip, make home improvements, or invest in new business. That doesnt mean that you eliminate the important things in life, such as spending time with your family, just for the sake of saving. By all means, be frugal but not when its consuming too much of your life.

3. Loyalty

When you think about saving money, you most likely think about reducing expenses like going out to dinner less often. But, when was the last time that you compared the rates and deals of your bank, insurance company, the Internet or cell phone provider? Theres a good chance that there are better options available. Switching your cell phone provider, for example, may not save you $250 alone per month, but you may find a plan thats $25 cheaper per month. Add that to your other saving methods and youll be on track to that $250 goal rather easily.

4. Youre uncomfortable

Being frugal doesnt mean that you have to sacrifice the things that you actually need or enjoy occasionally. It means that youre more cognizant of your spending so that you can make better financial decisions. It doesnt mean that you have to be uncomfortable and miserable by missing out on the things that you enjoy or need like that new mattress to replace your uncomfortable and torn-up mattress.

5. Buying on sale just because its on sale

Weve all been guilty of this. We purchase items just because theyre on sale. But, do you really need that new pair of jeans just because theyre 15% off? Instead of spending your money on the things that you dont need just because theyre sale, make a note of the what you do need and then wait for them to go on sale.If youre like most people, this adds up to be over $250 a month.

6. Cooking at home

Make no mistake about it. Cooking at home is definitely more affordable than eating out every night. But, what about the times that you want to make something that calls for ingredients that youll rarely use. Take Paella, for example. While its delicious, theres a chance that the saffron you purchased is going to go to waste.

When grocery shopping, try to think of meals that use similar ingredients so that nothing is going to waste. Another option would be to join something like Blue Apron or Sun Basket since they provide the right amount of ingredients needed for each recipe. Best of all? Plans start at around $10 per serving.

7. You cant let go

Do you have a house full of stuff that you never use but hold onto them because you might need that snow blower even though you live in Florida? Its time to let some of that clutter go. While I understand that you dont want to buy something if you already have it, take stock of the things that you know youll need.

If you keep accumulating stuff, youll potentially run into a situation where you need to rent storage space because you no longer have space in your home to store it. How is that going to help you save money each month?

8. Buying coupons youll never use

There are some incredible deals on Groupon or LivingSocial. But, are you really going to take that yoga class or eat at that new Italian restaurant outside of town before the voucher expires? If so, then purchase the voucher, but if youre uncertain, then skip the deal.

9. You jeopardize your safety

I dont enjoy throwing away food. However, Im not going to put myself or my family at risk by cooking dinner using expired ingredients. If something is bad, its better to chuck it then risk getting a bad case of food poisoning.

10. Signing up for a new credit card just for the rewards

In some instances, credit cards have perks like rewards, cashback on purchases, and 0% percent APR for balance transfers that make them worth considering. Before applying for that new card, review all of the fine print. This applies to businesses as well. The cost of annual fees and high-interest rates may not be worth those perks.

11. Cutting out all activities and socializing

One of the most expensive expenses youll incur is socializing and participating in activities. Instead of becoming a hermit and isolating yourself from your friends or family, make an exception here and there. If you go out for drinks or attend a concert on Friday night, then stay home on Saturday night. Youre still socializing, but youre also being responsible with your money.

12. You never indulge

Just like with socializing, its alright to indulge now and then. It can be used as a reward or help you experience new things. So, if youve brewed your own coffee at home all week, go ahead and stop by Starbucks on Friday morning. You earned it!

13. Youve taken DIY too far

Thanks to Pinterest and YouTube, weve been tricked into thinking that we can do anything from building furniture to repairing our cars. The problem is that this can lead us to potentially do more harm than good.

For example, changing the oil in your car may sound like a good idea, but by the time that you purchase the oil and filters, it may cost you more money than going to a mechanic. Even worse, if youve never changed the oil in your car and make a mistake youll now have an additional expense: paying a mechanic to repair the damage that youve done.

14. Cord-cutting

One of the most popular trends when it comes to saving money is through cord-cutting. The thing is its not for everyone. If you enjoy watching local sports or shows like Game of Thrones, you may end up paying more money each month since youre still paying for Internet service, a local TV package, and a premium channel subscription. Unless youre not a TV-watcher, cord-cutting may not be your best option.

15. Not calculating your retirement

Saving for your retirement is never a bad idea. Going into it blindly is, however. You wouldn’t purchase a car or home without knowing how much its going to cost you, right? In order to plan and save for your retirement, you need to first calculate how much youre going to need to set aside each month. NerdWallet has a handy retirement calculator that can help you get started on the right path.

16. Putting money into modest growth plans

One of the biggest mistakes that even the savviest savers make is putting money into modest growth plans, such as low APR savings accounts, CDs, bonds, mutual funds, or simple 401(k)s. Thanks to Fintech, your bank or financial adviser will be able to send you personalized investment recommendations so that you can get the most bang for your buck.

17. Not harnessing the power of Fintech

Speaking of Fintech, financial institutions are using this technology so that you can also automate investing and savings by adjusting your budget and notifying you of any changes in your accounts. You can receive customized financial advice through chatbots to make more informed financial decisions.

18. Avoiding cash

Theres a belief that if you have cash on-hand youll be tempted to spend it. The thing is if you only have $45 in your pocket, you cant spend more than that. However, if youre carrying plastic or a digital wallet downloaded onto your phone, you may be tempted to spend money on stuff that you dont really need. In the end, cash may be the better option to keep you financially disciplined.

19. Not automating your savings

Dedicating a percentage of your paycheck to your savings is a given. However, what happens when you place that echeck into your bank account? After your expenses have been paid, you may be tempted to spend that excess cash. To prevent that from happening, you should automate your savings where a small percentage of your paycheck is withdrawn and transferred to your savings account. This way, youre not spending that excess money since its already been placed into your savings account.

20. Buying cheap, not value

You may think that in order to save $250 a month you have to buy products or service that are the cheapest. Just remember, you get what you pay for. For example, if you need a new pair of sneakers and purchase a pair from a local dollar store, theyre probably not going to last as long as a quality pair of sneakers. Sure, spending over a hundred bucks on a pair of shoes may seem like a tough pill to swallow, but theyre more likely to last you several years.In other words, always go value over price. It will be worth it in the long-run.

21. Buying in bulk

Buying in bulk can be a smart move when it comes to items that you use frequently and wont spoil. For instance, household items like toothbrushes, toilet paper, or light bulbs are cheaper when bought in bulk. Food items are a different story. In fact, food waste costs between $1,365 to $2,275 per year for the average American household.When it comes to perishable items like food, buying bulk isnt always the most cost effective solution.

22. Linking your checking and savings accounts

Gone are the days having only one bank account. Today, there is a wide range of ebanking options for your specific needs. For example, you could use one bank for your main checking account because you arent charged any maintenance or minimum balance fees. However, there could be another bank that has a higher interest rate on saving accounts. By separating these two accounts youre not only avoiding fees and getting a better return, but youre also preventing the chances of spending the money that you’ve set aside for that emergency fund or savings plan.

23. Assuming theres a quick fix

When you start saving you first look at reducing your spending. Chances are that reducing your trips to Starbucks or changing your cell phone plan arent enough to add up to $250 in savings each month. After that, you make another cut, then another, and then another until you’ve reached your goal.

The point is when it comes to saving, there aren’t just one or two quick fixes. Its a process that takes time.

24. Focusing on saving while considering how to also make more money

Income is arguably the most important factor when it comes to saving. If youre living paycheck-to-paycheck, then how can you put aside a couple hundred of dollars each month? Reducing the amount of money that you spend each month is only part of the solution. The other part is having additional income that can be placed into your savings account.

Thankfully, there are hundreds of ways for you to make some extra cash on the side even if you have a full-time job. Here and there, working some evenings or weekends can help you easily hit that extra $250 per month and maybe even more!

25. Saving solely for needs

Most financial advisers suggest that you save for needs like a new car, health emergency, or college education. While thats sound advice, when you only save for your needs, you tend to get frustrated and resentful of the entire saving process.Instead, set aside some of your savings for something fun, such as a dream vacation or new TV. You earned that money, so make sure that you enjoy from time-to-time and reward yourself for becoming more fiscally responsible.

John Rampton is serial entrepreneur who now focuses on helping people to build amazing products and services that scale. He is founder of the online payments company Due. He was recently named #2 on Top 50 Online Influencers in the World by Entrepreneur Magazine. Time Magazine recognized John as a motivational speaker that helps people find a “Sense of Meaning” in their lives. He currently advises several companies in the bay area.

John Rampton