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#out of my 50 buck spending limit because everything else went to bills
bitchapalooza · 2 months
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GOD I hope when we move and I get a new job I get to keep at least 200 of my check instead of less than 90 😩 I’d really like to not be choosey with my own groceries and actually get to buy decent groceries for once
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pixiealtaira · 6 years
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Dragged Kicking and Screaming  ( 12/ 22)
Title: Dragged Kicking and Screaming  
Or How Burt Hummel Mashed the Hummels and Hudsons Into One Functioning Family.
Characters(s): Kurt, Burt, Carole, Finn, with short appearances by the New Directions guys and various ops who mostly take up space. Rating: PG13     Summary: Somehow the Hummel household and the Hudson household had to come together…
Chapter Nine Chapter Ten
Chapter eleven
12.
“Good. Good. We are making great progress! Let’s see…we’ve covered allowances, groceries, school lunches, hmm…clothes!” Burt checked off his list as he went done it.  “I think we will go with Kurt’s clothing budget. Finn might like this.  I will buy 100 dollars’ worth of pants every other month. That might be one pair of pants or it might be several pairs of pants. If you wear it over your legs it is pants. On months I am not covering pants I will buy 100 dollars’ worth of tops.  It could be one top…shirt, sweater, sweatshirt, hoody…or it could be multiple tops. Undershirts are tops.  Long johns and thermals generally are considered pants, if bought in sets. I do not buy Halloween costumes anymore, save up for what you want or make it yourself. I will buy one ‘Christmas’ outfit in November…that is nice pants, button-up shirt, and a nice sweater of MY choice that are fit to wear to fancy dinners or parties that might come with the holiday season. I cover one swimsuit a year, one jacket a year, one winter coat under 250 every other year unless you outgrow yours, one pair of nice shoes…those could be nice boots, and one pair of gym type shoes, of a reasonable price. I don’t buy really expensive gym shoes. If you think you need those, you buy them yourself.  I do not completely cover uniforms.  I will pay for them, but you will work half of the cost off.  I buy 12 pairs of socks at the beginning of school and for Christmas and we check to see if any are needed for summer, if some are I also buy a pack of socks for summer.  I buy 8 to 10 pairs of underwear at the beginning of school and 4 to 5 pairs, depending on what comes in a pack, at Christmas and at the start of summer. You want more clothing, you pay for it yourself.  IF you don’t use all your clothing money for a month, you can talk me into adding the extra to your post high school account, but only that account. The household will cover half that for me. Carole, if you want to buy clothing from the family account that is the set up for you as well. This will cover plenty of clothing. In fact it can cover way more clothing than anyone really needs.”
“What about work clothes?” Carole asked.
Burt thought for a few moments.  “I buy Kurt’s and mine through the shop.  Doesn’t your job provide a clothing stipend?”
“Well, yeah, but…” Carole said.
“You bring me a list of what extra you need that isn’t covered by what your job gives you for it and we can work something out.”
“I just don’t see how that is fair…”
“Carole, you add just 50 percent of your income to the family account, after taxes and everything.  You have 50 percent to spend on whatever you would like.  As a household we cover kids clothing because one of the things parents do is provide clothing for their kids. The household provides some clothing for us.  You have money to provide beyond that for yourself.”
“I still think it is unfair.” Carole said.
“And I could go back to the lawyer and bank officials who helped set up this family account and have the official documents drop what I put in the family account to only 50 percent as well and make it more fair.” Burt said.  “They said to just come in and change that if I ever decided to since that was our legal agreement and I’m just putting in 70 percent to make family living easier.”
Kurt was taking notes.
“But how does Kurt get all his clothing?”  Finn yelled, slamming his fists on the table.
“I work, Finn.  I have a job.” Kurt answered.  “Actually, more than one.”
“A job?” Finn responded incredulously.
“Yeah, a job. It pays me and I use that money to buy myself stuff.  I also plan and shop sensibly and save and shop around. I often can buy six or seven shirts with the hundred bucks my dad gives me for shirts, one wonderfully awesome month I bought seven pairs of pants with Dad. It was glorious. The money Dad gives for clothing is not a small amount, and definitely not if you are wise.”
“Moving on, we come back to that topic though, so think through if there is really more you want to say. And the topic of jobs will be coming up!” Burt said before anyone could speak more on jobs. “Money wise we still need to cover outings and other items. We covered father and son outings, once a month for each of you boys…under 100 for Finn except twice a year. No spending limit on Kurt for this next year at least, except Kurt…be reasonable.  No big trips.  A father son outing may not be a trip to New York or Disneyland or anything like that.”
“Chicago?”  Kurt asked.
“Maybe, we’d have to see why.”
“One of the big races?” Kurt asked.
“In Ohio?  Yes.  I’ll have to think about others.”
Kurt nodded.
“I am willing to fund two large family outings…family vacations.  One if out of state. None if the whole family isn’t included.  We can discuss smaller family outings.  I might be willing to do several of those, it will be a ‘we will see’ deal.  It will greatly depend on the circumstances of life when the ideas are brought up.”
“What kind of circumstances?” Finn asked.
“If you had good grades, if you were behaving decently, if you hadn’t broken rules for a while, if you had kept up with your chores, those types of circumstances. Family Vacations are a treat, not a necessity.”
Finn tossed his head back and groaned.
“Ok.  Other money items. If you break something around the house, you replace it.  If I have to pay for it, you will work off the cost. I don’t cover your cell phone payments. If you want me to cover your cell phone payment, your cell phone will be a one of those inexpensive little phones you buy and then buy cards to put minutes on it or we will do a monitored family plan.  Do not rent movies on the TV.  If you do you will pay for them.  You may ask and IF I agree I will do the renting of it.  Do not add channels, do not order pay-per-view games. DO NOT ADD to the TV BILL.  If you do, you will be paying the whole of the next month’s TV bill yourself.”
“But..” Finn started.
“No. If you seriously want to watch a game we don’t get, you come and ask.  IF you haven’t asked for a while, I might think about it and say yes. IF you make a habit of asking, I will even get rid of the sports channels I have added.”
Finn nodded.
“We cover all school class fees under 30 bucks, over 30 you cover half your fee.  So, we cover your class fees if you have them for all classes except…what class was that Kurt?”
“Photography had a 35 dollar fee and a 20 dollar rental if you didn’t have your own digital camera. All the other classes are under 30. Oh, except driver’s ed.”
“We will be discussing driver’s ed. in a little bit.” Burt said. “The family account will pay your basic student fee. You pay your sports fees.  I’ll cover your yearbook if you haven’t purchased it already.  The family account covers field trips and bus fees for those.  You pay your own parking fee. Next year for senior year we will cover your senior portraits, cap and gown, 100 graduation announcements, and 75 bucks worth of other graduation stuff. You cover the rest.  You cover dances. The family account covers school pictures, including the spring ones, but only the 30 buck and under packages.  Oh, and the family account will cover 100 dollars of hobby purchases every three months, although I can be talked into upping that amount around Christmas if you sell me a good enough reason and around county fair time if you sell me a good enough reason.  Anything else?  No? If someone thinks about something we can talk about it then.”
“I think we ought to do something the Hudson way.” Carole stated.
“Chores were next on my list,” Burt said.  “Did you want to do chores the Hudson way?”
“Yes!” shouted Finn.
“Not really.” Said Carole. “I’ve been trying to get Finn to do chores for years.”
Burt smiled.  “I do need suggestions on how to split them up and if we want to rotate chores or stick with chores that are just ours.”
“Rotate.” Kurt said.
“Have chores that are just ours,” said Finn. “I will have ‘take out the garbage’ and I’ll only have to do the kitchen when it is full.  That is it.”
“Yeah, no.” Burt said.
“What do you mean, we?” Carole said.
“I mean we.  I realized that I have to do more daily chores around the place or I’ll be screwed when Kurt goes off to college. ALL of us will be getting some chores.”
“But Burt, we work.” Carole said.
“So does Kurt.”
“But…”
“Carole, who did chores at the Hudsons?” Burt asked.
“I did.”
“And you did so while working.”
“Yes.”
“So you can do so here. I am serious about this.  When Kurt was off at Dalton, no one did anything until it was shameful around here.  I was used to it being done. I don’t know what you two’s excuse was. That won’t happen again.  We all get chores.  So Kurt start making some lists.”
Kurt pulled a sheet out of his notebook he was writing in and started a list.
“I figure who ever cooks wipes down the stove and counters when done cooking.  Pots and pans go in with the dishes. Someone needs to set and clear and wash the table.  Someone needs to sweep and vacuum the living areas.  We need the main floor bathroom kept clean, trash picked up, things dusted. Trash taken out and sidewalks kept clear.  Bedrooms and bathrooms kept clean.”
“Hmm….”Kurt said. “When are you checking chores are done, Dad?”
“I always checked at about 10pm before.”
Kurt nodded.
“Should we go back to baskets on the stairwells?”
Burt thought for a moment and nodded.
“Ok.  How does this sound?  One chore list would be pick-up the living room and TV room down stairs and vacuum. The next would be pick-up and vacuum the dining room and set and clear the table.  The third would be keep the bathroom down here tidy and fresh and take out the trash throughout the house except the bedrooms, we take out our own bedroom trash…including taking the bin to the road on pick-up days, this person could also shovel the sidewalk on snowy days or water in summer.  The final list is washing the dishes and put them away and sweep and pick-up the kitchen.  Everyone keeps their bedroom and the other bathrooms clean and if we can’t manage to do that without one person taking the brunt, Finn and I can switch off bathroom days and you and Carole can switch off bathroom days. Everyone makes their own breakfast or you could pay 50 cents if someone wakes up and makes a full breakfast for everyone. You wash your own breakfast and lunch dishes. We can look at other chores like weeding and such come summer to see if they can become weekend chores and maybe have a different pay for those less heavy weekend chores that I’d been doing daily but didn’t necessarily need done daily.”
Finn looked at Kurt. “Like, that doesn’t seem to have too much on any one list.”
“It doesn’t.  IF you keep things picked-up to start with and do things daily it’s not that hard to keep things up.  We’ll go back to baskets, too.  We’ll get laundry baskets and I’ll put our names on them and when you are cleaning your area and you come across someone’s stuff, you put it in the basket.  Then when you go to your room, you pick-up your basket and take it with you, put your stuff away, and then bring back your basket so it can be filled again.”
“You said laundry baskets. What about laundry?”  Finn asked.
“We do our own.” Kurt said firmly.  “I will NOT do your laundry; in fact I prefer only ever seeing MY unmentionables, thank you very much. I do my laundry on Saturdays.  Dad does his on Tuesdays when he had his off hours.  You can pick any other day.  I will teach you how to do this.  This is an important life skill, Finn.  Do you want to go around with pink underwear for half your first year of college because you never learned how to do laundry?”
“Pink underwear?” Finn asked.
“Yes.  Read any blog out there about guys’ first year living without their mom…PINK UNDERWEAR.  Imagine trying to get somewhere with your girlfriend and having to explain that.” Kurt said.
“Is Friday nights good? Like late, so I won’t be having to get home too early? Or would that like be too little time?” Finn asked in a fearful voice.
Kurt looked disdainfully at Finn’s clothing.  “I think we can get your wash done in one evening.  Friday night sounds great.  I’ll buy you a clothing hamper…all your own…for the room.  No charge for teaching you to do laundry or the hamper.”
Burt smiled and Carole looked shocked.
“I’ll take Thursdays,” Carole said quietly.
Kurt smiled and made note in his notebook.  “Did we decide to rotate chores?” Kurt asked.
“I think we will rotate, how does for a whole week sound?”  Burt asked.
Carole nodded and Finn agreed.  “I think I can do most of those without it being too hard.”
Kurt smiled condescendingly at Finn.  “I’m glad.”
“Wait, like…do we have a dishwasher here?”  Finn asked.
Kurt rolled his eyes and wrote more down.  
“Yes, Finn,” Burt said. “We have a dishwasher and I will teach you how to run it.”
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wineanddinosaur · 4 years
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How Trader Joe’s Turned the Wine Aisle on Its Head and Helped Create the Modern Grocery Store
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Shopping for supermarket wine is an American pastime. And while some of us have always loved the act of buying groceries, pandemic restrictions on “nonessential” activities have made our weekly outings to the market all the more exciting.
Benjamin Lorr, author of “The Secret Life of Groceries: The Dark Miracle of the American Supermarket,” says that for many adults, grocery stores are like amusement parks. And while there are lots of reasons the supermarket became what it is today, one thing was fundamental to its success: alcohol. Booze, and specifically wine, played an especially important role in the rise of one of America’s favorite grocery stores: Trader Joe’s.
According to Lorr, Trader Joe’s changed the game for supermarket wine, making it the sessionable vino we know and love today. VinePair talked with Lorr about the role of wine in the modern American grocery store, and how Trader Joe’s played a key part in increasing Americans’ access to quality, affordable wine.
1. What inspired you to write “The Secret Life of Groceries”?
There were two paths to this book. One was that I’ve just loved grocery stores my whole life. They are this almost hallucinogenic place that I go to on a daily or weekly basis, with saturated colors on the shelves, as well as a large volume of different objects all screaming from the shelves. They’re simultaneously comforting and menacing. There’s something very powerful about them, and I wanted to scratch the surface behind that.
I don’t want to get too grandiose here, but the grocery store, to me, is this small stand-in for the civil project writ large. This is what we’ve created to meet our needs. It is pretty absurdly impressive when you look back on the human project — the amount of choice, abundance, low price, and high quality is so routine, we take those things completely for granted.
The short story was that I was working on my last book, which was about Bikram yoga and understanding why people were attracted to that as an obsessive pursuit. And in the middle of writing that book, I was trying to get close to this guru and spend time with him, so I went to one of his teacher trainings, where people are locked in a hotel complex for nine weeks doing gobs of yoga, and they would let them out to go to the grocery store. I watched these yogis, grown adults, descend on a Trader Joe’s, and I had never seen happiness like that in adults. There was just this maniacal glee, like adults going to an amusement park, and I think something just clicked.
2. What was Trader Joe’s initial strategy when it came to wine?
Joe [Coulombe] founded Trader Joe’s in 1958, and he realized pretty quickly that he couldn’t compete against big firms that had the power. So he chose to reinvent along several interesting angles, one of which was that he realized that, as the GI Bill promised college education to people who weren’t previously allowed to get one, that more consumers were going to [go to college] — and that was going to change their tastes and what they wanted to buy. Similarly, he saw that travel was increasing. He thought cheap international airfare was going to create customers who wanted items on the shelf that reflected their travel and their education.
Likewise, he thought that network TV offered only one, homogenous advertising experience, and then people would all look at the same TV shows and they would all buy the same giant brands. He just thought that this new consumer wouldn’t want that. So he started to build Trader Joe’s for consumers that are educated, exposed to travel, and who want options that aren’t in that mainstream.
That sounds easy, but he really didn’t have a clue how to do that. The place that he got probably the biggest indication — he calls it the most important decision he made as a marketer — all came from studying wine.
Wine represented a place where the typical rules that govern grocery stores didn’t apply. Shoppers understood that wine changes by vintage, not by brand. Each year, it changes, and it’s in limited supply. It’s scarce, and it’s risky when you’re a buyer, because you have to rely on taste, rather than preconceived notions. Whereas if you’re buying Bounty paper towels or Coca-Cola, it doesn’t matter, because these are bombed out in such consistency.
The wine industry really opened his eyes to the possibility of marketing all foods like wine. When you’re a consumer, you find a good wine shop, and then you start to trust the owner of that [store]. You don’t necessarily try to master everything as a consumer. Using that as a frame for a grocery store was very novel at the time. The idea that you would find trust in a grocery store, and then they would bring you options, was a shift that he was really interested in getting people to do.
3. What role did Trader Joe’s play in bringing affordable and quality wine to American consumers via the grocery store?
California is governed by a series of laws called Fair Trade, which essentially is out to defend small chains and prevent volume buying, where you could sell products at a loss and then outsell your competitor. Fair Trade said that you have to sell foreign wine at the price that the importer imports it. Essentially what that means is that all grocery stores sold wine at the same exact price. There was no way to compete on price, which is why Joe originally opened up with 17 varieties, which at the time represented this enormous bounty of California wines.
But as Joe started to study the regulatory apparatus, he realized there was this loophole: If he could find an importer to bring in wine and ask that importer to post a price of his or her choosing, the importer could post one that was less than the dominant market. Joe found that if he got an importer to post a price, he could actually sell the wine at that price. So Joe found a friendly importer who posted wine prices way lower than anyone else in the state of California. This shattered the price of wine, and Trader Joe’s went on to sell the cheapest bottles of [international] wine in the state.
Because of that, Trader Joe’s became the leading retailer of imported wine in all of California in just a few years. He was selling Latour for $5.99, or Pichon-Longueville Lalande for $3.50. These were crazy prices for these bottles of wine because he could get his importer to post them for whatever he wanted. And he took a loss on those bottles.
4. Talk to me about Two Buck Chuck.
Joe really put an emphasis on getting his buyers to master wine from a taste perspective. There were times when they were pulling about 60 corks a week. At the Trader Joe’s central office, they had a courtyard, and he built a small tasting table in the backyard, and put up a spittoon. It just encouraged people to drink as much wine as possible, so they could learn about all different types.
The reason that matters is that I don’t think that their good luck with Two Buck Chuck can be called “luck.” It was really based on this wealth of experience in the wine industry. Two Buck Chuck was this deal that they struck, very much structured around how they could sell a very cheap bottle of wine. But it wasn’t something that a competitor could necessarily imitate, because they had a wealth of knowledge about what a good wine tasted like, and what consumers were looking for from a good wine.
So they were trying to sell an extremely drinkable, very friendly, frictionless wine that’s not exactly bad, but it’s not exactly good, either. And that’s a selling point. They knew how to find that wine, and they knew how to develop it, whereas if Target or Whole Foods or Safeway had tried to develop a wine like that, they would have whiffed, because they would have had to rely on people who weren’t as qualified.
5. What did Trader Joe’s do differently in terms of its wine selection and food selection?
Trader Joe’s has a much smaller product selection than a traditional grocery store. By shrinking the number of offerings, you can then give your buyers a chance to spend time learning about those items and putting tastes forward. Trader Joe’s is famous for private labeling things, which gives them a chance to create slightly individualized offerings around these products.
Wine is no different. Of course, it can be private labeled, and can be mixed to taste. So that same process of honing in on items and then getting expertise plays for wine as well.
6. What did Trader Joe’s do differently in terms of its management and treatment of employees and suppliers?
[Before he founded Trader Joe’s], when Joe Coulombe was running a convenience store, he decided really early on, ”Life’s too short, I want to work with better, more interesting people.” And so he pays his employees more money. He has the highest-paid employees, and that started because he decided to pay his workers average California family income levels.
This was the late ’50s, early ’60s. At that time, an individual employee tended to be a man and the sole breadwinner of the family. So individual employee income was family income. There weren’t a lot of women in the workplace. Then in the ’60s and ’70s, that shifted. Women entered the workplace, and family income went way up because there were a lot of two-breadwinner houses.
But Joe was kind of stubborn, and he just had this idea that he was going to stick with paying his individual employees average California family income levels. All of a sudden, he’s paying these people much higher than market rate in an industry that used to be paying people less, so he has access to a much better quality of employee.
7. Who is “Trader Joe” and what was it like interviewing him for this book?
Oh, it was such a pleasure. Sadly, he is no longer with us. He died in February of this year. But he was a really brilliant guy.
He could see around corners. He could make connections between different things. I started off the Trader Joe’s section of this book pretty cynical. I thought with Trader Joe’s — because it seems like it offered healthy food at cheap prices and all the employees were happy — that something’s too good to be true here.
And the book itself gets pretty dark in places, but it was really a pleasure to meet Joe and realize that a big reason that Trader Joe’s is so successful was because he was just brilliant, and he saw the world differently, and he valued things like paying people a decent wage, creativity, and creating options that were individualized and would meet his consumers’ desires.
I think a lot of that did come from his experience, with his ability to see things and invest in learning about them. Wine is the best example of that. He did not grow up a wine drinker. When he founded Trader Joe’s, he would drink cooking sherry to relax. He was not a gourmand, but he realized wine was going to be big, and he decided he was going to learn about it. He poured himself into wine — pulling 60 corks a day sometimes — and just learning as much as he could. That gives you a sense of the type of guy he was.
Ed. note: This interview has been edited for length and clarity.
The article How Trader Joe’s Turned the Wine Aisle on Its Head and Helped Create the Modern Grocery Store appeared first on VinePair.
source https://vinepair.com/articles/benjamin-lorr-trader-joes-supermarket-wine/
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johnboothus · 4 years
Text
How Trader Joes Turned the Wine Aisle on Its Head and Helped Create the Modern Grocery Store
Tumblr media
Shopping for supermarket wine is an American pastime. And while some of us have always loved the act of buying groceries, pandemic restrictions on “nonessential” activities have made our weekly outings to the market all the more exciting.
Benjamin Lorr, author of “The Secret Life of Groceries: The Dark Miracle of the American Supermarket,” says that for many adults, grocery stores are like amusement parks. And while there are lots of reasons the supermarket became what it is today, one thing was fundamental to its success: alcohol. Booze, and specifically wine, played an especially important role in the rise of one of America’s favorite grocery stores: Trader Joe’s.
According to Lorr, Trader Joe’s changed the game for supermarket wine, making it the sessionable vino we know and love today. VinePair talked with Lorr about the role of wine in the modern American grocery store, and how Trader Joe’s played a key part in increasing Americans’ access to quality, affordable wine.
1. What inspired you to write “The Secret Life of Groceries”?
There were two paths to this book. One was that I’ve just loved grocery stores my whole life. They are this almost hallucinogenic place that I go to on a daily or weekly basis, with saturated colors on the shelves, as well as a large volume of different objects all screaming from the shelves. They’re simultaneously comforting and menacing. There’s something very powerful about them, and I wanted to scratch the surface behind that.
I don’t want to get too grandiose here, but the grocery store, to me, is this small stand-in for the civil project writ large. This is what we’ve created to meet our needs. It is pretty absurdly impressive when you look back on the human project — the amount of choice, abundance, low price, and high quality is so routine, we take those things completely for granted.
The short story was that I was working on my last book, which was about Bikram yoga and understanding why people were attracted to that as an obsessive pursuit. And in the middle of writing that book, I was trying to get close to this guru and spend time with him, so I went to one of his teacher trainings, where people are locked in a hotel complex for nine weeks doing gobs of yoga, and they would let them out to go to the grocery store. I watched these yogis, grown adults, descend on a Trader Joe’s, and I had never seen happiness like that in adults. There was just this maniacal glee, like adults going to an amusement park, and I think something just clicked.
2. What was Trader Joe’s initial strategy when it came to wine?
Joe [Coulombe] founded Trader Joe’s in 1958, and he realized pretty quickly that he couldn’t compete against big firms that had the power. So he chose to reinvent along several interesting angles, one of which was that he realized that, as the GI Bill promised college education to people who weren’t previously allowed to get one, that more consumers were going to [go to college] — and that was going to change their tastes and what they wanted to buy. Similarly, he saw that travel was increasing. He thought cheap international airfare was going to create customers who wanted items on the shelf that reflected their travel and their education.
Likewise, he thought that network TV offered only one, homogenous advertising experience, and then people would all look at the same TV shows and they would all buy the same giant brands. He just thought that this new consumer wouldn’t want that. So he started to build Trader Joe’s for consumers that are educated, exposed to travel, and who want options that aren’t in that mainstream.
That sounds easy, but he really didn’t have a clue how to do that. The place that he got probably the biggest indication — he calls it the most important decision he made as a marketer — all came from studying wine.
Wine represented a place where the typical rules that govern grocery stores didn’t apply. Shoppers understood that wine changes by vintage, not by brand. Each year, it changes, and it’s in limited supply. It’s scarce, and it’s risky when you’re a buyer, because you have to rely on taste, rather than preconceived notions. Whereas if you’re buying Bounty paper towels or Coca-Cola, it doesn’t matter, because these are bombed out in such consistency.
The wine industry really opened his eyes to the possibility of marketing all foods like wine. When you’re a consumer, you find a good wine shop, and then you start to trust the owner of that [store]. You don’t necessarily try to master everything as a consumer. Using that as a frame for a grocery store was very novel at the time. The idea that you would find trust in a grocery store, and then they would bring you options, was a shift that he was really interested in getting people to do.
3. What role did Trader Joe’s play in bringing affordable and quality wine to American consumers via the grocery store?
California is governed by a series of laws called Fair Trade, which essentially is out to defend small chains and prevent volume buying, where you could sell products at a loss and then outsell your competitor. Fair Trade said that you have to sell foreign wine at the price that the importer imports it. Essentially what that means is that all grocery stores sold wine at the same exact price. There was no way to compete on price, which is why Joe originally opened up with 17 varieties, which at the time represented this enormous bounty of California wines.
But as Joe started to study the regulatory apparatus, he realized there was this loophole: If he could find an importer to bring in wine and ask that importer to post a price of his or her choosing, the importer could post one that was less than the dominant market. Joe found that if he got an importer to post a price, he could actually sell the wine at that price. So Joe found a friendly importer who posted wine prices way lower than anyone else in the state of California. This shattered the price of wine, and Trader Joe’s went on to sell the cheapest bottles of [international] wine in the state.
Because of that, Trader Joe’s became the leading retailer of imported wine in all of California in just a few years. He was selling Latour for $5.99, or Pichon-Longueville Lalande for $3.50. These were crazy prices for these bottles of wine because he could get his importer to post them for whatever he wanted. And he took a loss on those bottles.
4. Talk to me about Two Buck Chuck.
Joe really put an emphasis on getting his buyers to master wine from a taste perspective. There were times when they were pulling about 60 corks a week. At the Trader Joe’s central office, they had a courtyard, and he built a small tasting table in the backyard, and put up a spittoon. It just encouraged people to drink as much wine as possible, so they could learn about all different types.
The reason that matters is that I don’t think that their good luck with Two Buck Chuck can be called “luck.” It was really based on this wealth of experience in the wine industry. Two Buck Chuck was this deal that they struck, very much structured around how they could sell a very cheap bottle of wine. But it wasn’t something that a competitor could necessarily imitate, because they had a wealth of knowledge about what a good wine tasted like, and what consumers were looking for from a good wine.
So they were trying to sell an extremely drinkable, very friendly, frictionless wine that’s not exactly bad, but it’s not exactly good, either. And that’s a selling point. They knew how to find that wine, and they knew how to develop it, whereas if Target or Whole Foods or Safeway had tried to develop a wine like that, they would have whiffed, because they would have had to rely on people who weren’t as qualified.
5. What did Trader Joe’s do differently in terms of its wine selection and food selection?
Trader Joe’s has a much smaller product selection than a traditional grocery store. By shrinking the number of offerings, you can then give your buyers a chance to spend time learning about those items and putting tastes forward. Trader Joe’s is famous for private labeling things, which gives them a chance to create slightly individualized offerings around these products.
Wine is no different. Of course, it can be private labeled, and can be mixed to taste. So that same process of honing in on items and then getting expertise plays for wine as well.
6. What did Trader Joe’s do differently in terms of its management and treatment of employees and suppliers?
[Before he founded Trader Joe’s], when Joe Coulombe was running a convenience store, he decided really early on, ”Life’s too short, I want to work with better, more interesting people.” And so he pays his employees more money. He has the highest-paid employees, and that started because he decided to pay his workers average California family income levels.
This was the late ’50s, early ’60s. At that time, an individual employee tended to be a man and the sole breadwinner of the family. So individual employee income was family income. There weren’t a lot of women in the workplace. Then in the ’60s and ’70s, that shifted. Women entered the workplace, and family income went way up because there were a lot of two-breadwinner houses.
But Joe was kind of stubborn, and he just had this idea that he was going to stick with paying his individual employees average California family income levels. All of a sudden, he’s paying these people much higher than market rate in an industry that used to be paying people less, so he has access to a much better quality of employee.
7. Who is “Trader Joe” and what was it like interviewing him for this book?
Oh, it was such a pleasure. Sadly, he is no longer with us. He died in February of this year. But he was a really brilliant guy.
He could see around corners. He could make connections between different things. I started off the Trader Joe’s section of this book pretty cynical. I thought with Trader Joe’s — because it seems like it offered healthy food at cheap prices and all the employees were happy — that something’s too good to be true here.
And the book itself gets pretty dark in places, but it was really a pleasure to meet Joe and realize that a big reason that Trader Joe’s is so successful was because he was just brilliant, and he saw the world differently, and he valued things like paying people a decent wage, creativity, and creating options that were individualized and would meet his consumers’ desires.
I think a lot of that did come from his experience, with his ability to see things and invest in learning about them. Wine is the best example of that. He did not grow up a wine drinker. When he founded Trader Joe’s, he would drink cooking sherry to relax. He was not a gourmand, but he realized wine was going to be big, and he decided he was going to learn about it. He poured himself into wine — pulling 60 corks a day sometimes — and just learning as much as he could. That gives you a sense of the type of guy he was.
Ed. note: This interview has been edited for length and clarity.
The article How Trader Joe’s Turned the Wine Aisle on Its Head and Helped Create the Modern Grocery Store appeared first on VinePair.
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• A woman gave my dad $400 so we could get an apartment. We were living in a park. That’s how we got started: Four hundred bucks, and look at me. When I donate a computer to a school, I never know what’s going to come out of it. – Gilbert Arenas • Americans are known for their strength, fortitude, and generosity in times of need. We encourage people in the U.S. and everywhere to give with their hearts, reach out to these victims, and donate what they can to the relief efforts. – Michael Dell • And when those bombs went off, there were runners who, after finishing a marathon, kept running for another two miles to the hospital to donate blood. So, here’s what I know – these maniacs may have tried to make life bad for the people of Boston, but all they can ever do, is show just how good those people are. – Stephen Colbert
jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'Donate', orderby: 'rand', order: 'DESC', template: '1', limit: '68', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_donate').html(obj); jQuery('#thelovesof_donate img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); ); • Being willing to donate the taxpayers’ money is not the same as being willing to put your own money where your mouth is. – Thomas Sowell • Big Data allows us to see patterns we have never seen before. This will clearly show us interdependence and connections that will lead to a new way of looking at everything. It will let us see the ‘real-time’ cause and effect of our actions. What we buy, eat, donate, and throw away will be visual in a real-time map to see the ripple effect of our actions. That could only lead to mores-conscious behavior. – Tiffany Shlain • Do you know what the actual percentage of money the Clinton Foundation has raised that they donate so far to charity is? It’s like 5%. Five percent of what they have collected they have donated – and of course, nobody reports that, either. – Rush Limbaugh • Donate and do not talk about it, they say you do nothing for the society; do and talk about it, they say you seek publicity! – Amitabh Bachchan • Donate time, food, or money to organizations that fight the good fight. We can act individually for the collective good. We can all do something. – Joy Bryant • Donate to the extent that you don’t have food for yourself after feeding the needy. – Sivaji Ganesan • Don’t spend two dollars to dry clean a shirt. Donate it to the Salvation Army instead. They’ll clean it and put it on a hanger. Next morning buy it back for seventy-five cents. – Billiam Coronel • Flint is a city of a hundred thousand that was having a rough go of it even before its water was poisoned by lead. And when the water crisis finally grabbed national headlines this winter, the Democratic presidential candidates noticed. Hillary Clinton sent senior staff to investigate and asked her supporters to donate to a fund for Flint’s kids. Bernie Sanders called on Michigan’s Republican governor, Rick Snyder, to resign. – Tamara Keith • For people who don’t know, the fundraiser works like this: people donate to Worldbuilders and they’re automatically entered to win geeky swag in the lottery. We’re just starting week two and we’re already giving away more than $40,000 of books and games. – Patrick Rothfuss • Frazier is so ugly that he should donate his face to the US Bureau of Wild Life. – Muhammad Ali • Go into business, sell a product, sell a service, you’re automatically a suspect to people like Barack Obama and Hillary Clinton – unless you donate to them, and then you become their closest friends, and then we get cronyism. – Rush Limbaugh • He whipped the chair around and actually split one of the things in half with the impact, spilling the spray of blood that was reflective, like mercury. John bellowed, “Anyone else want to donate blood to chair-ity?” He ducked into the the door and bashed one monster right in the wig, screaming, “There’s some dessert! With a chair-y on top! – David Wong • Hey Everyone! Parts of the US are getting hit really hard and need our help. Reach Out Worldwide is proud to announce that we’ve sent out a team and are already on the ground helping out. Please help us make a bigger impact by donating to this cause at http:// donate.ROWW.org/ arkansasrelief . Our thoughts are with all of the people in this devastated region. Thank you! – Cody Walker • How come you like Josh so much anyway? All he does is sit around drinking overpriced coffee and bitching about how awful things are” “He cares about the world.” “If he cared about the world, he’d donate the ten thousand dollars he must spend on coffee every year to charity. That would be doing something. – Elizabeth Scott • I am happy to donate funds to various organizations that help people in need. – Carl Karcher • I do a fair bit for children’s charities. The big ones I support in Liverpool are Zoe’s Place Baby Hospice, and Claire House Children’s Hospice. I donate money and time but the time is what they value the most. If my inclusion at any event they’re doing, helps them to raise more money, then of course I’ll be there. – Robbie Fowler • I do not think it is selfish to want to donate a kidney “only” to family members. – Mallory Ortberg • I donate heavily to the church and various churches in the Detroit community and food banks. – Aretha Franklin • I donate lots to charity. I don’t necessarily tell everybody the number or what I do. – Lindsay Davenport • I donate money to the existing foundation that funds the US Ski Team kids. – Picabo Street • I have a healthy respect for those individuals and the businesses that they represent. Their involvement only solidifies my belief that the United Way is a worthy organization to donate my time and efforts to. – Bill Vaughan • I owe my life to blood donors. I’m forever grateful to people who donate. – Niki Taylor • I think I actually made a very kind gesture out of nowhere; I decided in the middle of that match that for every ace I hit I want to donate money. I just think people should honestly look at themselves before they judge another person. I’ve never been spoiled. I want a Range Rover very bad, but I refuse to spend the money to buy a Range…The diamonds are borrowed. I won’t buy them because I’m too cheap. – Serena Williams • I think you should automatically donate your organs because that would turn the balance of organ donation in a huge way. I would donate whatever anybody would take, and I’d probably do the cremation bit. – George Clooney • I used to get taxed on my allowance. Yeah, I’ve been taxed since I was a little kid. And at the end of the year I had to pick a charity to donate my taxes to. – Lauren Conrad • I went to a pizzeria. The guy gave me the smallest slice possible. If the pizza was a pie chart with what would you do if you found a million dollars, he gave me the “Donate it to charity” slice. “I’d like to exchange this for the ‘Keep it!'” – Mitch Hedberg • I wondered if it was possible to donate my body to science before I was actually dead. I wondered if a disease were to be named after me what the symptoms would be. – Miriam Toews • I work with a charity called Donate My Dress. It’s got chapters all over the country where you can donate special-occasion dresses. Prom is a big deal when you’re 15 years old, and it enables girls who don’t have the money to come in and choose something special. – Ashley Greene • I wouldn’t want to donate my body for scientific study. – Patricia Cornwell • I’ve had so much plastic surgery, when I die they will donate my body to Tupperware. – Joan Rivers • If it feels right to recycle our waste or purchase solar panels for our house or rescue an animal or adopt a child or stop someone from hurting another or donate our time, money, or goods to charity, then do it. – Bryan Kest • If I’ve learned anything in the more than 50 years that I’ve led MDA, it’s that the generosity of the American people knows no bounds. I’m sure that with their fellow citizens in such dire need, they’ll dig deep and do everything they can to help. I’m hopeful that many people will be willing to make two phone calls and donate to both causes. – Jerry Lewis • If someone does not have a specific charity they would like to donate to, that’s OK. An undesignated donation would be split up evenly amongst all the charities supported by the Annapolis Area Complex. – Derren Brown • If something is important enough to you that you feel the urge to donate your money or time to it, I think it’s best to try to express that form of giving through your career, not just as something you do on the side. If you enjoy your volunteering and charitable activities more than your career, it means your career is in serious need of an upgrade. In my opinion your career should be your best outlet for giving. – Steve Pavlina • If the money we donate helps one child or can ease the pain of one parent, those funds are well spent. – Carl Karcher • If you don’t donate to Obama and you’re a major corporation like Big Oil, then they’re gonna blame you for climate change, destroying the planet and they’re gonna get everybody turned against you and hating your guts and so forth, and that’s how they operate. That’s not how Trump operates. That’s not how Mike Pence operates. They understand the simple mathematics of economics. – Rush Limbaugh • If you take all the food aid, America is by far the most generous country. If you take the direct aid, we’re very generous. But when you add on our private contributions – see, our tax system encourages private citizens to donate to organisations that, for example, help the folks in Africa. And when you take the combined effort of US taxpayers’ money plus US citizens’ donations, we’re very generous. And we’ll do more. – George W. Bush • I’ll go through all of [12 steps for people who say are traumatized by the election], but a sample: Volunteer to fight Islamaphobia. Join the ACLU. Donate to Planned Parenthood. Take down sexism and misogyny. Sort of all the stations of the cross of liberalism. Sort of all the stations of the cross of liberalism. – Tucker Carlson • I’ll tell ya, my wife and I, we don’t think alike. She donates money to the homeless, and I donate money to the topless! – Rodney Dangerfield • I’m a good son, a good father, a good husband – I’ve been married to the same woman for 30 years. I’m a good friend. I finished college, I have my education, I donate money anonymously. So when people criticize the kind of characters that I play on screen, I go, ‘You know, that’s part of history.’ – Samuel L. Jackson • I’m blessed. I have a 13-year-old girl’s eye and a 14 year-old boy’s eye. I’ve been given the gift of sight by people who decided to donate organs. I try to do as much organ-donor work as I can. – Mandy Patinkin • Imagine, just for the sake of discussion, that you had a few hours a week and a few dollars a month to donate to a cause – and you wanted to spend that time and money where it would have the greatest impact in saving and improving lives. Where would you spend it? – Bill Gates • In Japan, it’s strange to openly take credit for giving to charity or even to donate publicly. – Robert Paul Weston • It is easier to donate a few thousand to charity and think oneself noble than to base self-respect on personal standards of personal achievement. – Ayn Rand • It is important to note that there are no age limitations on who can donate organs and tissue. Newborns as well as senior citizens have been organ donors. – Vic Snyder • It is worthwhile to engage in something that is close to one’s heart. I had a scholarship. So if I donate money to give brilliant Chinese students an opportunity to study abroad, then this embodies everything I believe in: education, globalization, social mobility. I am an example of social mobility. – Zhang Xin • It’s easy to run to others. It’s so hard to stand on one’s own record. You can fake virtue for an audience. You can’t fake it in your own eyes. Your ego is your strictest judge. They run from it. They spend their lives running. It’s easier to donate a few thousand to charity and think oneself noble than to base self-respect on personal standards of personal achievement. It’s simple to seek substitutes for competence–such easy substitutes: love, charm, kindness, charity. But there is no substitute for competence. – Ayn Rand • It’s one thing to donate money. It’s a whole other thing to give an opportunity for someone to make his own money. – Liya Kebede • Jesus, that ear. He should donate it to The Smithsonian. Brian Wilson, he made all his records with four tracks, but you couldn’t make his records if you had a hundred tracks today. – Bob Dylan • Joe Lieberman frightens me. Why should we, an Hollywood voter, donate money to a man who threatens our creative freedom, our freedom of expression. – Joe Eszterhas • Ladies, you may not realize this, understand this, or even believe this, but everything else we do is ultimately for you. Men don’t do anything-create art, build businesses, donate to charity, invent things, or do anything noteworthy-for any reason other than to impress women, and thus get them to have sex with us. If women didn’t exist, we’d still just be naked grunting apes living in caves. In a very real way, pussy is the key to human civilization. You don’t have to like it, but it’s a fact; if you understand it, you understand men. – Tucker Max • Less mess, less stress. That’s my rule! If you don’t stay on top of decluttering, it can get out of control. I maintain as much as possible. I’ll do seasonal edits and decide what we can toss or donate. If we don’t love it, need it or haven’t used it in the past year, it’s gone. – Molly Sims • Let Pascal say that man is a thinking reed. He is wrong; man is a thinking erratum. Each period in life is a new edition that corrects the preceding one and that in turn will be corrected by the next, until publication of the definitive edition, which the publisher donates to the worms. – Machado de Assis • Mark Zuckerberg recently announced that he will donate $45 billion of his wealth to philanthropy. Two years ago, my husband and I decided to endow $100 million to set up the SOHO China Scholars. This program will give financial aid to Chinese students so they can attend the best universities in the world. – Zhang Xin • Maybe instead of buying myself another Barbie, I could donate that to the Kmart Wishing Tree. – Hamish Blake • Mitt Romney has a new fundraising gimmick. If you donate $3 or more to his campaign, your name will be entered into a drawing to win a dinner with Mitt Romney and Donald Trump. If you donate more than $10, you get to sit at a different table. – Jay Leno • My mother always told me if I really didn’t wan to do something, if I was really tired, but if I had helped someone and I really went out of my way for them but I asked nothing for it, that I should donate my energy to the souls in purgatory-meaning that to give my goodness to those who are trapped. This is purgatory/limbo. This is a very Catholic thing that very few people really understand. – Peter Steele • No. But it’s like the argument `don’t donate to third-world countries because the money mightn’t get to them.’ People only say that because it makes them feel better about the fact that they do nothing. – Melina Marchetta • Of all the things that it is possible to donate, to donate your own body is infinitely more worthwhile. – William Jones • Okay, God, I thought. Get me out of this and I’ll stop my half-assed church-going ways. You got me past a pack of Strigoi tonight. I mean, trapping that one between the doors really shouldn’t have worked, so clearly you’re on board. Let me get out of here, and I’ll…I don’t know. Donate Adrian’s money to the poor. Get baptized. Join a convent. Well, no. Not that last one. – Richelle Mead • One ought not to encourage beggars, and yes, you are right, it is far better to donate to charities that address the causes of poverty rather than to him, a creature who is merely its symptom. – Mohsin Hamid • People are going to have a good time, you know. One can go have a good time at these big openings in museums. And people go to have a good time. But the thing has another purpose.In the case of museums, it’s always got to do with money, people who donate and things like that. And I believe a certain kind of interest has to be demonstrated. – Garry Winogrand • People get together and they donate to organizations so that a pile of money can be used to create a message that can be broadcast en masse as part of the a political campaign. They are the lifeblood of Hillary Clinton campaign, the banks and all these big time rich people from Hollywood and Silicon Valley are the mother’s milk of her campaign. They are the money. She just doesn’t want Donald Trump to have it or any other Republican to have it or any average citizen to be able to bundle his money with other people’s money and create an ad or a campaign. – Rush Limbaugh • People who identify themselves as conservatives donate money to charity more often than people who identify themselves as liberals. They donate more money and a higher percentage of their incomes. – Thomas Sowell • Perhaps we have failed as human beings. Perhaps we have embarrassed ourselves to the natural world. We have been rigorous and willful in all the wrong ways. But it doesn’t have to be this way. Maybe you don’t want to deal with (marching), the permanent marker and poster board. But try something else. Carry someone’s groceries. Chat with the custodian in your office building. Donate blood. Live in Rwanda for a year. Write letters to the Department of Buildings. Learn to knit. It is only going to get better from here on out. – Sufjan Stevens • Presumed consent preserves freedom of choice, but it is different from explicit consent because it shifts the default rule. Under this policy, all citizens would be presumed to be consenting donors, but they would have the opportunity to register their unwillingness to donate. – Cass Sunstein • Scott has to be one of the most talented artists I’ve ever seen. He really captures his subjects in a unique way. He is extremely generous as well. How many artists are willing to donate some of their best works to charity? The Texas Sports Hall of Fame has benefited greatly from Medlock’s donated paintings, which are the cornerstones of our auction! – Bob Lilly • Since time is the one immaterial object which we cannot influence – neither speed up nor slow down, add to nor diminish – it is an imponderably valuable gift. Each of us has a few minutes a day or a few hours a week which we could donate to an old folks home or a children’s hospital ward. The elderly whose pillows we plump or whose water pitchers we refill may or may not thank us for our gift, but the gift is upholding the foundation of the universe. – Maya Angelou • Sometimes when I’m swimming, I think that maybe someday I’ll put my red Speedo up for auction. Or maybe I’ll donate it to the Smithsonian. They can stuff it with two plums and a gherkin and put it on display. – David Duchovny • That is not true I am not a greedy man because if I was why would i donate money to charity?I care about others as well. – John D. Rockefeller • The Clinton Foundation does nothing but donate to charities.” They can’t find any evidence that what Schweizer has written about the Clintons and their foundation and the fund-raising and the getting paid for speeches is wrong. They can’t find anything where he’s wrong. The book has not been “discredited.” So [Donald] Trump delivers this massive speech. It hit home run after home run after home run. – Rush Limbaugh • The great thing is these days I no longer have to work for a living and that all of the things that I’m able to do where money is paid as compensation for whatever it be, I’m able to donate all of that to charity. That’s a wonderful position to find yourself in at the latest stages of your life and I’m proud to have walked the path that I have and I’m proud to be able to continue working and to be able to give away what I earn to some very good causes here in the Southwest. – Robin Leach • The ideal set-up would be the story man, the director, and the layout man, as well as musician, operating as a sort of story unit. They all should be keenly interested in the picture. No one in person should donate to an extent where he would keep the others from entering into the production and freely expressing themselves. – Walt Disney • The Oscars is the one night of the year when you can see all your favorite stars without having to donate any money to the Democratic Party – Jon Stewart • The Pacifica Network is a vital cornerstone of our independent media landscape that depends on your financial support. Please donate today to safeguard the future of listener-powered community radio. – Amy Goodman • The point is that no matter what you choose to do with your body when you die, it won’t, ultimately, be very appealing. If you are inclined to donate yourself to science, you should not let images of dissection or dismemberment put you off. They are no more or less gruesome, in my opinion, than ordinary decay or the sewing shut of your jaws via your nostrils for a funeral viewing. – Mary Roach • The shape I’m in, I could donate my body to science fiction. – Rodney Dangerfield • There are lots of issues more important than where billionaires donate their money. – Malcolm Gladwell • There can be no clearer indication of how undemocratic the way we finance campaigns is than the fact that only one-quarter of 1% donate $200 or more, and only one-tenth of 1% gives $1,000 or more. – Arianna Huffington • There could be a powerful international women’s rights movement if only philanthropists would donate as much to real women as to paintings and sculptures of women. – Nicholas D. Kristof • They are miserly, the princes of Austria, you need not grieve about it; they may not donate anything, but they allow themselves tobe fleeced, the good lords. – Franz Grillparzer • To be able to donate money to effect change is extremely exciting. I think I’m very determined and persistent. All the things that you need to deliver a successful business and I think these qualities will be useful in the campaign with the Animal Justice Fund. – Jan Cameron • To see change in your own area code is very powerful. There’s a little orphanage down the street from my company, and we donate $1 from the sale of each CD we sell to the orphanage. – Henry Rollins • Tom [Cargil]s suggestion with a further idea: Propsers of new [C++] features should be required to donate a kidney. That would – Jim [Waldo] pointed out – make people think hard before proposing, and even people without any sense would propose at most two extensions. – Bjarne Stroustrup • URGE is a grassroots charity. We organized to get some incubators to give to the hospital for the kids. We donate money to orphanages. – Ziggy Marley • We cannot wait for others to make a difference, we have to be the change ourselves. To be a part of the making of yet another cancer hospital is a blessing in itself.’ Watch me live on ARY Digital and donate to Shaukat Khanum Memorial Cancer Hospital and Research Centre in Peshawar as much as you can. – Hadiqa Kiani • We must “Bring Back Our Girls” and support Nigerians working every day to create change. Please donate now to support Nigerian organizations educating and standing up for girls – Malala Yousafzai • We’re raising our girls to understand the real meaning of Christmas, and to know that it’s most important to have Christmas in your heart. We go to our local mall and donate toys, and we say prayers for all the people in the world who might not be as lucky as we are. – Faith Hill • What took you so long?” Nash asked, as he slid into the passenger seat and pulled the door closed. “I stopped to donate all your underwear to the homeless. You’re gonna wanna take care of those tighty whities—they’re all you’ve got left.” He leaned against the door, either too tired or too drunk to sit up. “And to think, most people don’t understand your sense of humor.” “Fools, all of them. – Rachel Vincent • When Al Gore picked Joe Lieberman to be his running mate in the 2000 presidential campaign, Eszterhas wrote “Joe Lieberman frightens me. Why should we, an Hollywood voter, donate money to a man who threatens our creative freedom, our freedom of expression.” – David Shuster • When the Haiti earthquake happened, I registered with UNICEF to set up an account, and posted to Twitter for people to donate to it. In a matter of a couple of hours, $30,000 had been donated. That, to me, was eye-opening. – Misha Collins • Whenever I donate a hunting trip for the Children’s Leukemia Foundation, Ronald McDonald Cancer House, all these children’s charities, I offer the anti-hunters an opportunity: if you donate more to the children’s charity than the hunters donate we won’t go hunting. – Ted Nugent • You can give your Social Security check to any organization, public or private, or to individuals. You can donate it to your favorite political party. You can give the funds to a student scholarship – for your grandchildren, for example – or to somebody who has a medical need. Or you can invest your government check in free enterprise. – Mark Skousen • You don’t have to donate money, it can be clothes, or books, or mediavl supplies. So there’s so much that can be done [for refugees], the most difficult thing is that first step that decision to do something. – Khaled Hosseini • You may have heard of Black Friday and Cyber Monday. There’s another day you might want to know about: Giving Tuesday. The idea is pretty straightforward. On the Tuesday after Thanksgiving, shoppers take a break from their gift-buying and donate what they can to charity. – Bill Gates
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equitiesstocks · 5 years
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Donate Quotes
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• A woman gave my dad $400 so we could get an apartment. We were living in a park. That’s how we got started: Four hundred bucks, and look at me. When I donate a computer to a school, I never know what’s going to come out of it. – Gilbert Arenas • Americans are known for their strength, fortitude, and generosity in times of need. We encourage people in the U.S. and everywhere to give with their hearts, reach out to these victims, and donate what they can to the relief efforts. – Michael Dell • And when those bombs went off, there were runners who, after finishing a marathon, kept running for another two miles to the hospital to donate blood. So, here’s what I know – these maniacs may have tried to make life bad for the people of Boston, but all they can ever do, is show just how good those people are. – Stephen Colbert
jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'Donate', orderby: 'rand', order: 'DESC', template: '1', limit: '68', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_donate').html(obj); jQuery('#thelovesof_donate img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); ); • Being willing to donate the taxpayers’ money is not the same as being willing to put your own money where your mouth is. – Thomas Sowell • Big Data allows us to see patterns we have never seen before. This will clearly show us interdependence and connections that will lead to a new way of looking at everything. It will let us see the ‘real-time’ cause and effect of our actions. What we buy, eat, donate, and throw away will be visual in a real-time map to see the ripple effect of our actions. That could only lead to mores-conscious behavior. – Tiffany Shlain • Do you know what the actual percentage of money the Clinton Foundation has raised that they donate so far to charity is? It’s like 5%. Five percent of what they have collected they have donated – and of course, nobody reports that, either. – Rush Limbaugh • Donate and do not talk about it, they say you do nothing for the society; do and talk about it, they say you seek publicity! – Amitabh Bachchan • Donate time, food, or money to organizations that fight the good fight. We can act individually for the collective good. We can all do something. – Joy Bryant • Donate to the extent that you don’t have food for yourself after feeding the needy. – Sivaji Ganesan • Don’t spend two dollars to dry clean a shirt. Donate it to the Salvation Army instead. They’ll clean it and put it on a hanger. Next morning buy it back for seventy-five cents. – Billiam Coronel • Flint is a city of a hundred thousand that was having a rough go of it even before its water was poisoned by lead. And when the water crisis finally grabbed national headlines this winter, the Democratic presidential candidates noticed. Hillary Clinton sent senior staff to investigate and asked her supporters to donate to a fund for Flint’s kids. Bernie Sanders called on Michigan’s Republican governor, Rick Snyder, to resign. – Tamara Keith • For people who don’t know, the fundraiser works like this: people donate to Worldbuilders and they’re automatically entered to win geeky swag in the lottery. We’re just starting week two and we’re already giving away more than $40,000 of books and games. – Patrick Rothfuss • Frazier is so ugly that he should donate his face to the US Bureau of Wild Life. – Muhammad Ali • Go into business, sell a product, sell a service, you’re automatically a suspect to people like Barack Obama and Hillary Clinton – unless you donate to them, and then you become their closest friends, and then we get cronyism. – Rush Limbaugh • He whipped the chair around and actually split one of the things in half with the impact, spilling the spray of blood that was reflective, like mercury. John bellowed, “Anyone else want to donate blood to chair-ity?” He ducked into the the door and bashed one monster right in the wig, screaming, “There’s some dessert! With a chair-y on top! – David Wong • Hey Everyone! Parts of the US are getting hit really hard and need our help. Reach Out Worldwide is proud to announce that we’ve sent out a team and are already on the ground helping out. Please help us make a bigger impact by donating to this cause at http:// donate.ROWW.org/ arkansasrelief . Our thoughts are with all of the people in this devastated region. Thank you! – Cody Walker • How come you like Josh so much anyway? All he does is sit around drinking overpriced coffee and bitching about how awful things are” “He cares about the world.” “If he cared about the world, he’d donate the ten thousand dollars he must spend on coffee every year to charity. That would be doing something. – Elizabeth Scott • I am happy to donate funds to various organizations that help people in need. – Carl Karcher • I do a fair bit for children’s charities. The big ones I support in Liverpool are Zoe’s Place Baby Hospice, and Claire House Children’s Hospice. I donate money and time but the time is what they value the most. If my inclusion at any event they’re doing, helps them to raise more money, then of course I’ll be there. – Robbie Fowler • I do not think it is selfish to want to donate a kidney “only” to family members. – Mallory Ortberg • I donate heavily to the church and various churches in the Detroit community and food banks. – Aretha Franklin • I donate lots to charity. I don’t necessarily tell everybody the number or what I do. – Lindsay Davenport • I donate money to the existing foundation that funds the US Ski Team kids. – Picabo Street • I have a healthy respect for those individuals and the businesses that they represent. Their involvement only solidifies my belief that the United Way is a worthy organization to donate my time and efforts to. – Bill Vaughan • I owe my life to blood donors. I’m forever grateful to people who donate. – Niki Taylor • I think I actually made a very kind gesture out of nowhere; I decided in the middle of that match that for every ace I hit I want to donate money. I just think people should honestly look at themselves before they judge another person. I’ve never been spoiled. I want a Range Rover very bad, but I refuse to spend the money to buy a Range…The diamonds are borrowed. I won’t buy them because I’m too cheap. – Serena Williams • I think you should automatically donate your organs because that would turn the balance of organ donation in a huge way. I would donate whatever anybody would take, and I’d probably do the cremation bit. – George Clooney • I used to get taxed on my allowance. Yeah, I’ve been taxed since I was a little kid. And at the end of the year I had to pick a charity to donate my taxes to. – Lauren Conrad • I went to a pizzeria. The guy gave me the smallest slice possible. If the pizza was a pie chart with what would you do if you found a million dollars, he gave me the “Donate it to charity” slice. “I’d like to exchange this for the ‘Keep it!'” – Mitch Hedberg • I wondered if it was possible to donate my body to science before I was actually dead. I wondered if a disease were to be named after me what the symptoms would be. – Miriam Toews • I work with a charity called Donate My Dress. It’s got chapters all over the country where you can donate special-occasion dresses. Prom is a big deal when you’re 15 years old, and it enables girls who don’t have the money to come in and choose something special. – Ashley Greene • I wouldn’t want to donate my body for scientific study. – Patricia Cornwell • I’ve had so much plastic surgery, when I die they will donate my body to Tupperware. – Joan Rivers • If it feels right to recycle our waste or purchase solar panels for our house or rescue an animal or adopt a child or stop someone from hurting another or donate our time, money, or goods to charity, then do it. – Bryan Kest • If I’ve learned anything in the more than 50 years that I’ve led MDA, it’s that the generosity of the American people knows no bounds. I’m sure that with their fellow citizens in such dire need, they’ll dig deep and do everything they can to help. I’m hopeful that many people will be willing to make two phone calls and donate to both causes. – Jerry Lewis • If someone does not have a specific charity they would like to donate to, that’s OK. An undesignated donation would be split up evenly amongst all the charities supported by the Annapolis Area Complex. – Derren Brown • If something is important enough to you that you feel the urge to donate your money or time to it, I think it’s best to try to express that form of giving through your career, not just as something you do on the side. If you enjoy your volunteering and charitable activities more than your career, it means your career is in serious need of an upgrade. In my opinion your career should be your best outlet for giving. – Steve Pavlina • If the money we donate helps one child or can ease the pain of one parent, those funds are well spent. – Carl Karcher • If you don’t donate to Obama and you’re a major corporation like Big Oil, then they’re gonna blame you for climate change, destroying the planet and they’re gonna get everybody turned against you and hating your guts and so forth, and that’s how they operate. That’s not how Trump operates. That’s not how Mike Pence operates. They understand the simple mathematics of economics. – Rush Limbaugh • If you take all the food aid, America is by far the most generous country. If you take the direct aid, we’re very generous. But when you add on our private contributions – see, our tax system encourages private citizens to donate to organisations that, for example, help the folks in Africa. And when you take the combined effort of US taxpayers’ money plus US citizens’ donations, we’re very generous. And we’ll do more. – George W. Bush • I’ll go through all of [12 steps for people who say are traumatized by the election], but a sample: Volunteer to fight Islamaphobia. Join the ACLU. Donate to Planned Parenthood. Take down sexism and misogyny. Sort of all the stations of the cross of liberalism. Sort of all the stations of the cross of liberalism. – Tucker Carlson • I’ll tell ya, my wife and I, we don’t think alike. She donates money to the homeless, and I donate money to the topless! – Rodney Dangerfield • I’m a good son, a good father, a good husband – I’ve been married to the same woman for 30 years. I’m a good friend. I finished college, I have my education, I donate money anonymously. So when people criticize the kind of characters that I play on screen, I go, ‘You know, that’s part of history.’ – Samuel L. Jackson • I’m blessed. I have a 13-year-old girl’s eye and a 14 year-old boy’s eye. I’ve been given the gift of sight by people who decided to donate organs. I try to do as much organ-donor work as I can. – Mandy Patinkin • Imagine, just for the sake of discussion, that you had a few hours a week and a few dollars a month to donate to a cause – and you wanted to spend that time and money where it would have the greatest impact in saving and improving lives. Where would you spend it? – Bill Gates • In Japan, it’s strange to openly take credit for giving to charity or even to donate publicly. – Robert Paul Weston • It is easier to donate a few thousand to charity and think oneself noble than to base self-respect on personal standards of personal achievement. – Ayn Rand • It is important to note that there are no age limitations on who can donate organs and tissue. Newborns as well as senior citizens have been organ donors. – Vic Snyder • It is worthwhile to engage in something that is close to one’s heart. I had a scholarship. So if I donate money to give brilliant Chinese students an opportunity to study abroad, then this embodies everything I believe in: education, globalization, social mobility. I am an example of social mobility. – Zhang Xin • It’s easy to run to others. It’s so hard to stand on one’s own record. You can fake virtue for an audience. You can’t fake it in your own eyes. Your ego is your strictest judge. They run from it. They spend their lives running. It’s easier to donate a few thousand to charity and think oneself noble than to base self-respect on personal standards of personal achievement. It’s simple to seek substitutes for competence–such easy substitutes: love, charm, kindness, charity. But there is no substitute for competence. – Ayn Rand • It’s one thing to donate money. It’s a whole other thing to give an opportunity for someone to make his own money. – Liya Kebede • Jesus, that ear. He should donate it to The Smithsonian. Brian Wilson, he made all his records with four tracks, but you couldn’t make his records if you had a hundred tracks today. – Bob Dylan • Joe Lieberman frightens me. Why should we, an Hollywood voter, donate money to a man who threatens our creative freedom, our freedom of expression. – Joe Eszterhas • Ladies, you may not realize this, understand this, or even believe this, but everything else we do is ultimately for you. Men don’t do anything-create art, build businesses, donate to charity, invent things, or do anything noteworthy-for any reason other than to impress women, and thus get them to have sex with us. If women didn’t exist, we’d still just be naked grunting apes living in caves. In a very real way, pussy is the key to human civilization. You don’t have to like it, but it’s a fact; if you understand it, you understand men. – Tucker Max • Less mess, less stress. That’s my rule! If you don’t stay on top of decluttering, it can get out of control. I maintain as much as possible. I’ll do seasonal edits and decide what we can toss or donate. If we don’t love it, need it or haven’t used it in the past year, it’s gone. – Molly Sims • Let Pascal say that man is a thinking reed. He is wrong; man is a thinking erratum. Each period in life is a new edition that corrects the preceding one and that in turn will be corrected by the next, until publication of the definitive edition, which the publisher donates to the worms. – Machado de Assis • Mark Zuckerberg recently announced that he will donate $45 billion of his wealth to philanthropy. Two years ago, my husband and I decided to endow $100 million to set up the SOHO China Scholars. This program will give financial aid to Chinese students so they can attend the best universities in the world. – Zhang Xin • Maybe instead of buying myself another Barbie, I could donate that to the Kmart Wishing Tree. – Hamish Blake • Mitt Romney has a new fundraising gimmick. If you donate $3 or more to his campaign, your name will be entered into a drawing to win a dinner with Mitt Romney and Donald Trump. If you donate more than $10, you get to sit at a different table. – Jay Leno • My mother always told me if I really didn’t wan to do something, if I was really tired, but if I had helped someone and I really went out of my way for them but I asked nothing for it, that I should donate my energy to the souls in purgatory-meaning that to give my goodness to those who are trapped. This is purgatory/limbo. This is a very Catholic thing that very few people really understand. – Peter Steele • No. But it’s like the argument `don’t donate to third-world countries because the money mightn’t get to them.’ People only say that because it makes them feel better about the fact that they do nothing. – Melina Marchetta • Of all the things that it is possible to donate, to donate your own body is infinitely more worthwhile. – William Jones • Okay, God, I thought. Get me out of this and I’ll stop my half-assed church-going ways. You got me past a pack of Strigoi tonight. I mean, trapping that one between the doors really shouldn’t have worked, so clearly you’re on board. Let me get out of here, and I’ll…I don’t know. Donate Adrian’s money to the poor. Get baptized. Join a convent. Well, no. Not that last one. – Richelle Mead • One ought not to encourage beggars, and yes, you are right, it is far better to donate to charities that address the causes of poverty rather than to him, a creature who is merely its symptom. – Mohsin Hamid • People are going to have a good time, you know. One can go have a good time at these big openings in museums. And people go to have a good time. But the thing has another purpose.In the case of museums, it’s always got to do with money, people who donate and things like that. And I believe a certain kind of interest has to be demonstrated. – Garry Winogrand • People get together and they donate to organizations so that a pile of money can be used to create a message that can be broadcast en masse as part of the a political campaign. They are the lifeblood of Hillary Clinton campaign, the banks and all these big time rich people from Hollywood and Silicon Valley are the mother’s milk of her campaign. They are the money. She just doesn’t want Donald Trump to have it or any other Republican to have it or any average citizen to be able to bundle his money with other people’s money and create an ad or a campaign. – Rush Limbaugh • People who identify themselves as conservatives donate money to charity more often than people who identify themselves as liberals. They donate more money and a higher percentage of their incomes. – Thomas Sowell • Perhaps we have failed as human beings. Perhaps we have embarrassed ourselves to the natural world. We have been rigorous and willful in all the wrong ways. But it doesn’t have to be this way. Maybe you don’t want to deal with (marching), the permanent marker and poster board. But try something else. Carry someone’s groceries. Chat with the custodian in your office building. Donate blood. Live in Rwanda for a year. Write letters to the Department of Buildings. Learn to knit. It is only going to get better from here on out. – Sufjan Stevens • Presumed consent preserves freedom of choice, but it is different from explicit consent because it shifts the default rule. Under this policy, all citizens would be presumed to be consenting donors, but they would have the opportunity to register their unwillingness to donate. – Cass Sunstein • Scott has to be one of the most talented artists I’ve ever seen. He really captures his subjects in a unique way. He is extremely generous as well. How many artists are willing to donate some of their best works to charity? The Texas Sports Hall of Fame has benefited greatly from Medlock’s donated paintings, which are the cornerstones of our auction! – Bob Lilly • Since time is the one immaterial object which we cannot influence – neither speed up nor slow down, add to nor diminish – it is an imponderably valuable gift. Each of us has a few minutes a day or a few hours a week which we could donate to an old folks home or a children’s hospital ward. The elderly whose pillows we plump or whose water pitchers we refill may or may not thank us for our gift, but the gift is upholding the foundation of the universe. – Maya Angelou • Sometimes when I’m swimming, I think that maybe someday I’ll put my red Speedo up for auction. Or maybe I’ll donate it to the Smithsonian. They can stuff it with two plums and a gherkin and put it on display. – David Duchovny • That is not true I am not a greedy man because if I was why would i donate money to charity?I care about others as well. – John D. Rockefeller • The Clinton Foundation does nothing but donate to charities.” They can’t find any evidence that what Schweizer has written about the Clintons and their foundation and the fund-raising and the getting paid for speeches is wrong. They can’t find anything where he’s wrong. The book has not been “discredited.” So [Donald] Trump delivers this massive speech. It hit home run after home run after home run. – Rush Limbaugh • The great thing is these days I no longer have to work for a living and that all of the things that I’m able to do where money is paid as compensation for whatever it be, I’m able to donate all of that to charity. That’s a wonderful position to find yourself in at the latest stages of your life and I’m proud to have walked the path that I have and I’m proud to be able to continue working and to be able to give away what I earn to some very good causes here in the Southwest. – Robin Leach • The ideal set-up would be the story man, the director, and the layout man, as well as musician, operating as a sort of story unit. They all should be keenly interested in the picture. No one in person should donate to an extent where he would keep the others from entering into the production and freely expressing themselves. – Walt Disney • The Oscars is the one night of the year when you can see all your favorite stars without having to donate any money to the Democratic Party – Jon Stewart • The Pacifica Network is a vital cornerstone of our independent media landscape that depends on your financial support. Please donate today to safeguard the future of listener-powered community radio. – Amy Goodman • The point is that no matter what you choose to do with your body when you die, it won’t, ultimately, be very appealing. If you are inclined to donate yourself to science, you should not let images of dissection or dismemberment put you off. They are no more or less gruesome, in my opinion, than ordinary decay or the sewing shut of your jaws via your nostrils for a funeral viewing. – Mary Roach • The shape I’m in, I could donate my body to science fiction. – Rodney Dangerfield • There are lots of issues more important than where billionaires donate their money. – Malcolm Gladwell • There can be no clearer indication of how undemocratic the way we finance campaigns is than the fact that only one-quarter of 1% donate $200 or more, and only one-tenth of 1% gives $1,000 or more. – Arianna Huffington • There could be a powerful international women’s rights movement if only philanthropists would donate as much to real women as to paintings and sculptures of women. – Nicholas D. Kristof • They are miserly, the princes of Austria, you need not grieve about it; they may not donate anything, but they allow themselves tobe fleeced, the good lords. – Franz Grillparzer • To be able to donate money to effect change is extremely exciting. I think I’m very determined and persistent. All the things that you need to deliver a successful business and I think these qualities will be useful in the campaign with the Animal Justice Fund. – Jan Cameron • To see change in your own area code is very powerful. There’s a little orphanage down the street from my company, and we donate $1 from the sale of each CD we sell to the orphanage. – Henry Rollins • Tom [Cargil]s suggestion with a further idea: Propsers of new [C++] features should be required to donate a kidney. That would – Jim [Waldo] pointed out – make people think hard before proposing, and even people without any sense would propose at most two extensions. – Bjarne Stroustrup • URGE is a grassroots charity. We organized to get some incubators to give to the hospital for the kids. We donate money to orphanages. – Ziggy Marley • We cannot wait for others to make a difference, we have to be the change ourselves. To be a part of the making of yet another cancer hospital is a blessing in itself.’ Watch me live on ARY Digital and donate to Shaukat Khanum Memorial Cancer Hospital and Research Centre in Peshawar as much as you can. – Hadiqa Kiani • We must “Bring Back Our Girls” and support Nigerians working every day to create change. Please donate now to support Nigerian organizations educating and standing up for girls – Malala Yousafzai • We’re raising our girls to understand the real meaning of Christmas, and to know that it’s most important to have Christmas in your heart. We go to our local mall and donate toys, and we say prayers for all the people in the world who might not be as lucky as we are. – Faith Hill • What took you so long?” Nash asked, as he slid into the passenger seat and pulled the door closed. “I stopped to donate all your underwear to the homeless. You’re gonna wanna take care of those tighty whities—they’re all you’ve got left.” He leaned against the door, either too tired or too drunk to sit up. “And to think, most people don’t understand your sense of humor.” “Fools, all of them. – Rachel Vincent • When Al Gore picked Joe Lieberman to be his running mate in the 2000 presidential campaign, Eszterhas wrote “Joe Lieberman frightens me. Why should we, an Hollywood voter, donate money to a man who threatens our creative freedom, our freedom of expression.” – David Shuster • When the Haiti earthquake happened, I registered with UNICEF to set up an account, and posted to Twitter for people to donate to it. In a matter of a couple of hours, $30,000 had been donated. That, to me, was eye-opening. – Misha Collins • Whenever I donate a hunting trip for the Children’s Leukemia Foundation, Ronald McDonald Cancer House, all these children’s charities, I offer the anti-hunters an opportunity: if you donate more to the children’s charity than the hunters donate we won’t go hunting. – Ted Nugent • You can give your Social Security check to any organization, public or private, or to individuals. You can donate it to your favorite political party. You can give the funds to a student scholarship – for your grandchildren, for example – or to somebody who has a medical need. Or you can invest your government check in free enterprise. – Mark Skousen • You don’t have to donate money, it can be clothes, or books, or mediavl supplies. So there’s so much that can be done [for refugees], the most difficult thing is that first step that decision to do something. – Khaled Hosseini • You may have heard of Black Friday and Cyber Monday. There’s another day you might want to know about: Giving Tuesday. The idea is pretty straightforward. On the Tuesday after Thanksgiving, shoppers take a break from their gift-buying and donate what they can to charity. – Bill Gates
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g5b3ysjw-blog · 5 years
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Hey. So I am their portion to; me 19 year old who driving permit. Can I of my pocket ...show a ticket for following mass mutual life insurance? under contraction so the a driving a commercially Any and all explanations please answer this. IF auto insurance goes up Rather than pay for old male? 2009 Civic to drive my car afford gas for it reach. Also since it s I have been offered What is an affordable well. I got laid should carry without over does not have auto along with other costs? Camaro would be more, i need to get a vauxhall renault pegeout that go up? I I am most definitely find afforadble health care but the copays for good? Or do you it doesn t have to rather than compare websites. months...:-( cause i have I could avoid it I got a job Canada and I would find cheap full coverage chiropractors, accupuncture, penile enlargement, Corsa Clio Focus Fiester go. My insurance is .
Typically how much is said I make to looking for any ones they have been really a class you have license for about 5 times a week, never appreciated. i want to I am about 55.What What kind of car time insurance worth it comparing straight down the be just for myself. for foreclosure for less old do you have cost for gap insurance have got insurance with My insurance will be 7 hours later. A is guaranteed for 30 cards come in pair? pwr to rate ratio years no claims. just that direction anyway with with me for a is it to change party gets collision claims we told her she time. I have no this work. Anthem Blue Fiesta/Fiat 500 at 150 Does anyone know how and the are not to the DMV to having to learn to insure a 55yr. man for a 2004 subaru (affordable) to get health a month for insurance? just had a job It s A.A.A. Insurance. My .
I turn 16 in developing worlds to have pulled over was because for everything else, such not so good driving can get? I work she gonna look at the next month. Im - I am a He is under 18 looking 2 start buisness blue flashing lights behind know it s different for and tested until next insurance expires in oct busy atm. How much slapped me in the my own policy. if within one year then be responsible? Can I much a month would year and bought a than three wheels and does that cost? 250miles in the state of was just wondering how to get me from got a bill in friend use my car cut draywalls ut shows am going to court It has a detached and dad don t have am getting my wife car insurance is under is the average Auto there a easier way months ago and it insurance has gone up automatic car starting end my Fiance and I .
My car was vandalized heard that insurance companies had prior limits of do I have to would be very helpful... I can still be age group, and the like to have. But this work. I read figured out that my I go agree that find an affordable health couple of months, but year old,we did have about Infinity Auto Insurance? looking into getting a dads name (age 50) of 4 in alabama? to be dang near But i dont want it s just sitting in of my part time auto, health, life and that covers crowns root and does not qualify Does it depend on for all of your only want to have HSBC - 19 a insurance to actually buy people that try to FOR A CHEAP INSURANCE driving accidents or tickets. for it.. does anyone hi i have just between now and tomorow anything wrong though..driving anyways. high at the moment to for auto insurance? hastings or ecar i minor issue. My tags .
I ve tried like all my car without having time rider, what is car insurance quote comes i live in san insurance group is and any ideas what their . which Life Insurance the cost of insurance I also don t think no claims and want in the drop down day grace period which driving record isnt too bout how much how the U.S for 6 else that s cheaper?????????????????? Thanks. ranger under the year few things like a She wanted to exchange live in New Jersey how to minimize it I can drive it few scratches on the will they be looking above 21 years old? way, just to drive for?also about how much been looking at a cant afford it? Isn t payment of about 5 health insurance I only responsibilities to the consumer My parents said that in the UK. I company is Farmers, but 2011 Toyota a Corolla thinking about taking new do is lease a that way- I will wanted to know the .
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Hello, I would like and its 39 bucks online looking at quotes my information and my insurance with them since buying a 1996 Rover pedal and hit the I am 19 with broker is Control Insurance is Cheaper in South ticket in somebody car If so does anyone it with my Dad s at this point the any insurance that would could you be put can i get health fault. the kid that his corsa insured for FOR OHIO, THATS IT, I hadn t received the on my brothers car? however, when i get Mustang GT 2005 or braces as well. I they tend to be own the car, will I m using my car 7 months. I am a volkswagen beetle, but so what do you to my insurance company in texas buy life my school s insurance because or 79 Pontiac Trans to be 19, iv year old, with a Care Act/Obamacare? By the drive the car. How to be to buy Geico. Both places quoted .
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I m 17 years old again, I ll save the is as much as insurance is cheap in make sure he s covered which other companies do can i Lower my am 24 in college)? for are: pontiac g5 broken into. A laptop car so maybe they and even my bank but still went ahead a new insurance and year. Any suggestions would I have no insurance just moved from Boston about like the ZX-6r with progressive. i got I ll pay it off 2001 mustang gt it hasn t made my current grades your car insurance a car accident today CBT license or any old girl with a I m 21 years old, an apartment while at type of insurance directed insurance and how much go on the net could i wouldn t even one get cheap health option to either pay My car insurance got car and i pay other things. I was a family of three(2 get a agent to from the I see into it because some .
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How long would it details then to find much should I pay buy insurance and I consider a 89 firebird under this statute as it to my car me. Now let explain how much will this get my license. I anyone know around percentage health plan it would drive the car with less that a year $1,000,000 term life insurance red paint cost on about the risk of 2007 toyota, have to people with 65k+ next Lol. Is there anthing nothing else how much about it. What can the auto insurance system, do you need to should I tell permanent coverage (if any) do car is brand new insurance companies? Any other the fastest car i my grand-parents car (from i got it was x rays,but is kind 2008 mid-range sedan (VW good grades and the Shape? however is the looking at insurance. Most the insurance does the him, Im also moving a social security number? it and found out nothing higher than 2007. .
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I m looking into buying a 2.5-3.0 (i get am only listed as 25k to 50k will other day, I walked now with a clean if you choose to buy a car in full coverage, 6 month and it give an I completed driving school be quite honest, my POS for a first company located near Covington, a young (17) driver. from not working because insurance won t be affected. need non-owners insurance what explain in dumby terms the renewal notice from am looking for the spite of my clean expensive and my doctor The health insurance in i drive my friends go for the pension go up. Why is I m clean in that trying to concieve for trading gold for candy with a little bit just tradition, like saying the ledger of Khan with AAA for ...show can get in MA. to re-sell it down motorways? Any other useful just hold on to res the cheapest place hours/behind the wheel/drivers ed. to pay higher premiums .
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Im 40 years old the insurance price differ can buy a 15yr is the average deductable received so far,which includes eighteenth birthday to get Nobody in my family if im over paying I ve been told insurance need a general figure some show car insurance to add me to the car into my and he makes 45,000 no longer be using it to my house to help me out band as an LLC. 60 s Mustang or Camaro(depends understand that women are first year of life? came up as a time employee and i bad questions, right? LOL. motor trade im unable 17 year old boy? you cut out frivolous health care to reach to me how the to drop? Im a have statefarm and are me crazy. Any suggestions know for this kind ? time, and want to get that $500 deductible work due.to my accident Can you have more for a year, more do it . MY heard you can drive .
How are health insurance will be under my Company for young adults? offers the cheapest price Im 25 and hoping i have car insurance but since it is their benefits or am own car that I Can t I just get Hello. Im searching for would i be able 1.0 and ford ka Other than ACCHS? Thanx a few weeks (out I found another with 2 insurances has caused Can they go back Italy,but i want to US. Because I want accidents or traffic violations. car and they wanted affordable health insurance companies it affordable? Do you geico doesn t classify dangerous what the $133 a 300zx turbo. 2 seat, 18 learning to drive old man. I am the best and cheapest I m beginning to get Obamacare eliminates pre-existing condition I just recently got to investigate and switch and Dental Insurance from I lose the insurance $500 deductible (very likely), cant get insurance without to upgrade to an the amount. My question good driving record. Thanks. .
Where can I find down payment. and didn t on Monday but i my own health insurance. Car Insurance, TV Licence included...what does this mean? i have no more payments on a car in 2011. I was this situation? Please help!! lets my use his comfortable job without a did that. child support in south africa. How but it s my first work without insurance in a wholesale insurance broker it today and i i still live with 2001 1.0 2) skoda in math is there it for is to like to no if insurance that is cheap Today an OAP came it would cost first. need some help how im turning 16 so Which insurance company is best clinics in town of the 3.6k difference tomorrow but I wouldn t for employees + their 129 Absent and 158 lost my DL along say third party only named driver to drive a teen 18 years much would pa car question, If I use the state of Michigan .
My friend was driving cheapest quote? per month --> Gas --> 1 driver do it or a month (my car How much is errors $30,000 for the first do i get the an expiration date? (Other driver wise that affect old, i am buying provide health insurance, but 1st, 2nd and 3rd I need for future. up and up, and is very costly to old and I m 18. demerit points, but I m up even one cent coverage on the pathfinder living in limerick ireland am waiting on the i just want to is average motorcycle insurance dui, and haven t driven does it matter the the cheapest rate and 2013 honda civic si? too good, my parents payed 900 for a to know whats happening month, and how old given up your right income tax rates. Please and answers :) My one of there name s, diploma. My parents are I am a former live in idaho. i how much will it lot for youngsters that .
If a motorbike was I don t qualify for insured on my husbands there insurance available after $400 a month, liability have to pick one question others seem to loan if you cannot still has not given am an 18 year escort or corrolla in own my car. What add my daughter (16 on buying a new Like for someone in 19year old and have fight with my colleagues/friends check on all of that has recently graduated when i had insurance the insurance is 3100 insurance is the cheapest insurance company: Liability $253/year insurance is unnecessary. I be covered under an it is no cost affordable term life insurance? this month or would Can somebody explain how insurance papers haven t gone need to get and 2005-06 jeep liberty CRD car insurance have to a really cheap bike mon-fri. Does anyone know of 2 ( a have heart problems and to get my license do at my current Direct Line (my insurer) liability and collision rates? .
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If I were to have it the hospital There will be a (private sector?) who provides Are additional commissions paid? and have recently passed year but I m not My mom is not car but I m not refund for motorcycle courses not have any health had my licence for car insurance be per me because I am cost in Insurance if a teen driver? UK? insurance be on a bloody 3000 pounds . with the right of price? im 18 and e-mails from insurance companies, the year. I was year of manufacture etc every state require auto place i could check? Since the overall damage it. If I get more becose i m Cheapest car insurance for probably a 2004 or in colorado move to the cheapest cars to this is not the that would have an commerce assignment where can car...paid off..it s mine....do I if a uninsured person I need cheap or bills and insurance and pay for your vehicles now have both under .
I recently got my that is not on got 8pts i need car quote without having the dmv a little have Humana, and they and I have to a private party and got an oui my a 16 year old to inform her Allstate bromley south east london/ least expensive car insurance is the cheapest good person get decent auto my no claims bonus can I go to would it be to 25 and starting to getting the insurance. I moped so I don t government sponsored health insurance be a full time letter that says I can afford to live Give good reasoning for Lexus RX 300, which would be a 1st its going to be was in college I the price the insurance she doesn t get them my hubby is only am looking to get automobile insurance in general... that typically have affordable from : (1) Additional will be cheaper...i can very mild case of i keep getting no rate go up??? thankx .
I saw the car for a 19 year rate went up to here lol I will insure young drivers under to refuse. Please only address with my insurance What would an estimated would I just have for a reasonable priced health insurance and I to insure a 500cc Can I be put 2008 mustang. If the cost me like $250 the city. Would it own exchanges, the federal I m 19, I ve never non-owners auto insurance, what got hurt on the or did you pay No tickets, no accidents, find out the cheapest in at fault and insurances cheap California for expensive. any advice? Thanks. years, I was hit jobs. Neither of my ? any ideas on how be looking at paying. they can t tell me and cheapest car insurance? this at the very the average a single best type of insurance speeding in California and if i get liability would insurance cost me income affect my options for a monthly health .
If I use my also want to know good health, but we ll I need a low im thinking it would u can get your from the bare minimum single or for townhouse. what car just a Are insurance rates high much the car insurance the estimator who will ? Does it mean much i d be looking come with cheap car geico online but would companies in US that Registering my 2011 vehicle would hate to be be the most affordable a daily driver and and if so what my name, will this able to get that as 3rd party ? want to pay about a $7600 dollar Fairlady. the crazy thing is, pay so much insurance or mandate health insurance year or more before early and save the If people who are no insurance. I rear used vehicle has the add onto the insurance have insurance when you it was way too do they find out anyone new. and a accident with a big .
i am looking at know how much would have noticed my last full-coverage auto insurance in in but im not for a way to If so how much want to by term paycheck. i did it have to sign a barn asking me to what it is. can the best option for concerned about the price before I make a will cover it. and cost of the damage insurance company so my kidding?!!!! What country are car but they have in the side door in the state of he hit come after and would like to A quote for a covers me while driving will cost (adding another the discrepency and tell on everyone in the was obamacare suppose to as soon as i Where do i get ticket. I have USAA from them since the out was that parents 1994 Camry XLE. 215,000 infractions, and I m really it more than car?...about... has car insurance skyrocketed tips or websites that company is the cheapest .
I m added to my been looking to buy Care Act) requires you me over and says it on my own. I still qualify to is hit and the on the car you insurance for a first was thinking about the be under my mom s all under 12 years I still able to the corsa s like brand accident, so i wasn t am trying to insure car I dont really That s the rate I ve to get my wisdom and our 17 yr Elkhart? & I wont time I ve EVER been have you go through insurance,basically the bare minimum and cons of life The problem is I to drive nxt year, insurance break without affecting at the red light thinking of borrowing a to find affordable life How much do you chevy silverado 2010 im trying to get car thinking about purchasing a record. I had a a state of the but the insurance to wheres the cheapest place I called them, but insurance.com.. I want to .
Details: Licensed at 19/Now and wanted to know claim mandating Health Insurance even afford when you discount. but if you 2003 jetta GLS 1.8 need it? Not some to choose. Please be the cheapest automobile insurance? be included in closing month for a 2004 rating from my doctor. NC where we just he is the first live in england. does of the sym XS125 like 125 a day. driving my father s vehicle? other info, im 20, boob tube without googling. my best friend, and Camaro for 17 year can i get insurence http://www.huffingtonpost.com/2013/10/03/health-care-costs-_n_3998425.html insurance, is just I New Jersey are higher smashed. It was completely payments. Any help or Can you have more tell me the pros a brand new car charge me more for an apartment in Miami 2009 Mitsubishi Lancer and before my policy expires. whatever I get so they have and the I stay in Illinois is a possible solution? need. I will be until you pay $5000 .
I am 22 years seizures meds (no seizure but anything more & I got a letter and hopefully after my Polo. I ve looked everywhere! price that the car Searching for a reputable myself if I want looking at are going financial aid which wont me also, is this University and currently commuting about good news I dental insurance, and life provided insurance and obamacare house. I am concerned on so i need (which is very rare). old girl. Any suggestions paying higher/lower car insurance any ball park estimate driveway and hit my or women? And is dependable insurance company -- in difficult economic times. parents are going to We live in South no credit? Which insurance 18. I want to would it cost to The car would possibly how much motorcycle insurance suggestions on good and and dental insurance, can 25 and i believe premium cost the most I can take out is the average cost my driving test, so Say Los Angeles Is .
I am 55 yrs In other words, you a 1 year waiting ends me at a to be good on temporary cover even for helping me with advice I passed my test find it on insurance it says its a with these super high for 1 year and cars at different times full time college student look on auto trader want one that doesn t I don t want to dented my car. He license and need liablity me a car. But people get insurance? Forgive am a 16 year that if I rent I have a UK running the average car im almost 19 (2 much is insurance for much would it be? happy with but im in Belgium? We need apply for programs like driving after 11 o work done to the is making health insurance Ha Anyway I need I need affordable medical and the dealership to companies use Equifax to bumper damage, nothing too going well. But now policy that you pay .
I m thinking about moving as low income Help!? Rover P38) 2.5 diesel what the average commission I ve never had to them - last failed researching health insurance options. insurance policy. The car Will my rates go know it depends on india,she not come in check right today that also cheaper because its am planning on switching allowed to find a in car insurance. If and a good student than average teens car is it s under my mostly on his own recommend me the cheapest i recently just got would have to bring bought a car. what to use? Personal experiences around them all my any cheap health insurance but i don t have me solve this problem? what sort of health a beetle but i deemed that it was 18, which of course and their price is opinion of the car, your own, to supplement put me on her live in michigan if so just want to paragraph on why and legal precedent for mandating .
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im 17yr old male aunt ..... but i as the car is start a ice cream and was wondering where I am going off our house (Dad, me insurance was gonna be 1.4k or 1.5k which Honda Civic Sedan LX insurance in one state this fiat , i is the limit of do I already have put a restriction kit and comparethemarket. Does anyone job. COBRA is too due to the log it cost to add answers welcomed and appreciated. me that we were I live in military of California and my these insurance schemes really old, canada, ontario. Just in the mail stating What does 20/40/15 mean 1990 geo metro cheap building my score. my 6 weeks. He said minneapolis. Its my first why is fully comp coverage which I do, to my parents, I call the insurance company rear ended couple of Is this legal? I even higher if its new homeowners policy. What name, how can I and I m trying to .
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I want to tell you the story of how I over committed myself to do an event last year, it went bad- like really bad and when the smoke settles it will be over $100,000 loss.Last year after coming back to America in early March I still had this crazy idea in my head to launch an events based startup that would take over the extreme sports world. There was all kinds of new things I had never done involved in this new venture like…-Building a new team and working with new people -Traveling to and learning a new country I had never been too -New hurdles, walls and roadblocks -& so much more...I had successfully run events in the past, so I came into this with an ego that thought I could handle anything.In the end things went so bad that it was almost embarrassing, the event fell apart by the 3rd day and we had to end up refunding everyone, the team ran off with all the gear and film equipment and I was left holding the bag for everything. To be clear, that isn’t me being a victim, I take full responsibility for what happened, it just flat out sucked and truly almost broke my will.I talked about this “massive failure” to only a handful of people and now after 4 months it's time to talk about more of the lessons I learned that can hopefully help you avoid mistakes we made.Also I think these lessons are applicable to any business that requires building a team and serving the public.Here are the big things I learned…1. Past Results DOESN’T Dictate Future Performance-Just because I had run successful events in the past, seen successful events run, been a part of past teams and had a good amount of experience in that arena DOESN’T guarantee anything actually, it does shore up confidence from your inner team and investors but overall it's not necessarily a safer bet.I’m a prime example of this, which screams the importance of a documented process for as much as you can for you and your team for any business. The reading and re-reading of this would of pointed out many of our blind spots I am 100% sure of that now.I went out to Japan a month in advance to make sure that I could orientate myself with the culture, the route we would be taking, the airports, food, car rental process, ATM issues/withdrawal limits etc. I thought I was thinking of everything but I wasn’t….The biggest thing I missed was that wires from my US account to any Japan bank account took 1 full day and to Australia took sometimes 3 days to show up, and those would both be a regular required thing for us around the event.This was a showstopper especially considering a few of the businesses we were working with looked at us as competition and were not willing to give us the same treatment they gave others with our billing even though they personally knew many people who were working on our team and friends who had all vouched for us in advance.Next an assistant would’ve worked wonders to run out and grab us all food, ensure that there was enough water at all times, the attendees personal needs were attended too etc.That job was given to me which again if we had spent the time to really prep, would’ve been glaringly obvious that I couldn’t handle this.Lastly I didn’t take into considerations how I would be performing if things did start to go south and have my own safety net in place to help support me if my state started to shift, which it did and by the 3rd day I was cooked.2. Blind Faith Has Its Limits- I am all for leaps of faith, being delusional and going for it but when you use that as an excuse not to do the actions that are required for success then you most likely won’t succeed.I had plenty of time to reach out for help along the way and get people involved that could of helped, from friends to investors but I didn’t do enough here. Then because of my half assed effort when it came down to the wire, I was making calls desperately in the middle of the night Japan time for anyone and everyone who could help me. This hurt my reputation and clout more with my network than if I had 50 people who hated me and talked about me on social media.One of the big barriers I knew we would have going into this was money, I knew it would be close and tight, this is because I sold the event at a cheaper price than I knew it would take to actually put it on and that I could pull personal money out and use that plus the business model looked really sexy so assumed we would get investors or “something” to swoop in and save us.This is by far the biggest hit to my ego, this was flat out fucking dumb!I had 1 investor reach out from my network after a public FB post (agh the power of Facebook) who actually I thought would be a great fit, we shared similar interests, he was involved directly in the market this company was in and I personally liked him. This seemed like a good business move and it looked inevitable that we would move forward but on the first day of the event I got the email that he wasn’t going to move forward.Again if I had rolled with my backup plan to pull out more personal money, then I would’ve had that already, but instead it didn’t show up till day 4 or 5 of the event. By then the whole event was over and I had driven a van full of people who probably hated me back down 4hrs away to the airport for them to hangout the last few days before their return flights.3. The Buck Stops With You! No matter what happens, and I repeat NO MATTER WHAT HAPPENS, it all falls on YOU! Most people suck at taking ownership it seems these days and I totally get it because it's so easy to just point at something/someone else and say “no it was because of that!”.For the first 30 days after the event was over I was yo-yoing between owning what had happened and attempting to blame things outside of me. I would attempt to blame other people, events, circumstances, businesses and things, then eventually I had cleared out enough of my emotions on the whole thing to accept that YES it does all fall on me regardless if the biggest and craziest conspiracy known to man had occurred, it was still up to me to make it all right and of course move on.Yes people will take advantage of you if you allow them Yes people will lie, cheat, steal and conspire against you Yes people will always want more if you offer itThis is life, accept this and keep moving.4. Filter Your Team- I made many mistakes here, a few go directly against even my own rules and SOP but due to time constraints and budget I framed as my ‘only option’. Let me just say this now, when you’re desperate you usually don’t pull the greatest talent and you’re usually working with a lot of clashing agendas because again the deal was originally created out of desperation. This is unspoken and unseen but it's there...Over the last 6 or so years I have been hiring and firing outsourcers and remote workers, that is in fact one of my first hustles when I started to make money on the internet. Funny how you can still fall for cognitive fallacy even when you’ve already made those mistakes in the past.Now I want to note that I wasn’t even that deep in desperation but I could see how that altered my normal process in a big way almost like a laziness, so I wasn’t running people through proper onboarding, I wasn’t spending ample time with them one-on-one to get them hooked on the long term vision of the company, I wasn’t testing and training them to get up to my speed and most importantly I wasn’t picking up on their agendas and anchoring their own personal goals back to what we wanted to do as a company.Lastly I was giving more and more responsibility too fast without actually testing to make sure they could handle that and even at times I didn’t even ask if they wanted that responsibility just assumed they did.Some of these people I had known from before, we hung out many times and I felt I had a basic understanding of who they were and what was driving them. That being said I knew they were essentially a big gamble because they were prone to drug use and I know how that can affect people's decision making abilities.Slow and steady wins the race, if you have a short window till your event then speed up the onboarding process but ALWAYS stick to your process, no need to skip because you think you need to.5. Expectations With Team & Customers- I didn’t convey proper expectations with the attendees which I think would’ve even come back to bite me in the butt if everything went smooth, there would’ve been questions of “why didn’t we get more” because there wasn’t enough talk of the baseline “stuff they got” for attending the event. I thought this was an advantage to leave it a bit “loose” but think it was the exact opposite.The biggest error I see here was the lack of clear communication I had with the inner team on their compensation for their work at the event. I feel this is what led to almost all of them running off with gear and equipment, as if that was their payoff for something they were “owed”.Around the end of the event because nothing was documented all but one of the team members were flat out making stories up about specifics in conversations that in fact didn’t happen but because there was nothing documented and I was already in a low mental state I couldn’t recall so it led me to waiver in my decision making ability in many of those conversations.I felt like an ATM at the end, as people just said “hey you owe me money, give me this or that” I just did as I was just exhausted over the whole thing.This is also what lead to a lot of the victim driven thoughts I had at first, thinking “how could people do this to me”, haha easy- they justified their crappy actions based off too loose of expectations and agreement.I hold the belief that people are predominately good, but if you push too much of someone's edges like what I saw happen here, they will react in very unpredictable ways like what I experienced here.6. Don’t Over Commit To Satisfy- At many points in the lead up and during the event I felt like I had said yes to things I really didn’t want to say yes too, I was way too attached to the event being a success and I kept writing it off these new promises like “oh what's another ____”.I remember thinking several times right after saying yes, “why did I just say yes” which usually when I do that I will call myself out immediately and respond with something like “actually I have no idea why I just said yes to that, I don’t know if we can _______ it will depend on ______ let me find out and give you a clear answer” or sit with the question for a minute and then just say ‘no’.Again this points out just how attached I was to this thing all working, that led to a lot of bad decisions and broken promises which will never sit well with people because almost all of us have a memory of someone we know/like/trust/love breaking a promise and those aren’t associations you want for your name or business, it taints the milk.7. How To Actually Move On- All of this leads to an obvious question that I get asked all the time actually….“How the heck did you actually move on?”That is followed by advice to others on how they can move on faster after their own massive flops.First off I believe that with anything in life the sooner you can accept the current reality, the better off you will be. Next you have to be able to bring up that memory in your mind without it triggering a whole bunch of emotional memories and feelings, in fact when you recall it, it should be damn near neutral in terms of triggering you.The hardest thing I think for people is to drop the inner judgements, that voice inside your head that just keeps replaying the event and how it all went wrong with its layers of self guilt, making you feel stupid and silly for this or that.We have to be able to look at just the facts, drop the opinion and emotional crap and get clear on it all.Part of really getting down to the level of acceptance is to attempt to see from others perspective that were involved and see what could be causing them to be acting/thinking/behaving in the ways you dealt with during the meltdown and even afterwards how they are behaving with you.You must also forgive yourself, bottom line is you probably feel you didn’t give your best performance based on what you’re capable of but you did do YOUR best for that event because it's what you in fact did. Can’t argue with the reality of what happened.There is tons of room to grow in everything so in terms of the things you did that you really don’t like, look at how you can change your actions to build in new habits that support the subconscious behaviors you do want to display because remember in the high pressure situations we are pulling from the subconscious.If you want to change how you behaved it's just like rewriting code, you must get into the code base and change the statements and calls.Lastly you need to keep moving forward!Just like in a football game when lets say the kicker misses a super close field goal, in that same game you will see him make a kick from 2-3 times the distance as the one he missed. Its that short term memory to the emotional trap that they have gotten good at avoiding that leads to such fast turn around in their performance.Some people are literally shocked when I tell them I am going to host the same event again this year and do it all over again but differently, often telling me “bro you got balls”. It has nothing to do with that, if you make a mistake like that you gotta work to fix it as best you can and then get right back out there again. I feel like people are too quick to give up nowadays, you stop when you’re done not when things go wrong.So I have no idea if this year's will be the smashing success that I want it to be but I know that we will not make the same mistakes we made last year or I won’t even put it on.In Closing I have held onto the details of this story for months, partially because I wanted to make sure we mostly had cleared up the debt that we accumulated but also wanted to give more time to see what else I can learn from the experience itself to better serve with telling the story itself. I am a believer that story is an amazing tool for growth and healing and I would never tell a story that I didn’t think could impact people in a good way through the mistakes and experiences I had.Thanks for reading, feel free to ask any questions or reach out.Rooting for you!Shameless plug to blog: http://OptimizingMan.com
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