#plus my dad pays for my premium account

[crapimgay]

I miss when Spotify had fun facts about songs/creators that you could read while listening to their music.

[hearth-and-veil]

Netflix is such a wonderful example of not even remotely understanding your market.

Their market is bargain shoppers and people too lazy to pirate. Having to pay-per-profile means Netflix is no longer a bargain. The anti-moocher technology they're piloting in South America is making using Netflix too much work.

Netflix claims they're losing money because of account sharing. That isn't true, because the people who use unpaid aren't perspective customers. The only way I'm ever watching the two shows I'm interested in on Netflix is if they're free. Right now, I watch through my best friend's dad's $19.99/month account. I am one of five people who watches on that account (plus the "kids" profile for 8 grandkids). He has said flat out that he will cancel his membership if his family can't watch. None of us plan to buy our own accounts. They aren't forcing four additional households to make accounts, bringing them an additional $960/year. Instead, they're losing $240/year.

My VPN is only $58 for two years. With that, I can access nearly every piece of media in the world. ((Surfshark))

I do have a YouTube Premium account (not YT TV) and I do have the family plan, but the account is shared between SIXTEEN people! You can have six separate profiles (set up via email) and all six profiles can run simultaneously. Those six profiles are being shared among friends-and-family cohorts. They do have to coordinate with each other on who can use it, because you can't co-stream within an account, but it works just fine.

[obsessivedilettante]

Seeing some discussion about American health care costs makes me think of two things:

1. My mum had lived in the UK for 17 years before moving back to the States. My parents did have private insurance which they used for major things, mostly when hospitalized (Mum had hip surgery; Dad had 2 separate bouts of severe cellulitis) so they could be in a private ward.

But for the everyday and general stuff they saw their local GP. Mum has pre-diabetes and was taking various meds for that, the cost of which was free to her due to her age. Coming back to the States she (a) not only had to find a cheaper insurance option to COBRA since she was no longer working, but (b) still has to pay a lot more than she’s used to for an HMO which (c) has been working with her to find more cost-effective meds since the price in the US for the meds she was using (for free!) in the UK would be hundreds of dollars a month.

She’s now hoping to find a job that will have some benefits until she’ll eventually qualify for Medicare.

2. My father passed away in New Zealand, which has a similar healthcare system as the UK. He was only in the hospital for a little over three days (the longest three days of our lives, though), but those three days consisted of an ambulance ride to the hospital, about six hours in the ER as they ran multiple tests, including 2 MRIs, and then three days in the ICU. Where there were tons and tons of other tests, plus radiation treatments for the leukemia and constant fresh plasma being pumped into him.

Since we are not NZ residents, the bursar was super apologetic that we’d have to pay the full cost of his stay, and that it wouldn’t be cheap. Mum and I braced ourselves for the cost, assuming this would super expensive. What would it be — $100,000? $200,000? More?

It was around $20,000 NZD. For everything. Which, based on the exchange rate the time, was around $14,000 USD. For everything.

That seemed shockingly reasonable — still expensive, but Mum had that full sum in her bank account so we didn’t have to worry about doing a money shuffle.

But now seeing the hullabaloo about the US charging $3000 to test for COVID-19, Mum and I are weirdly thankful that Dad passed where he did. It wasn’t ideal, obviously, and he would have been on some sort of insurance in the US — but would it have been that cheap in the end?

Anyway, my insurance premiums through work (for what is actually decent health insurance these days) have now gone up, more than consuming the COL raise I got at the beginning of the year. Because yay America.

[purplesurveys]

684

Have you ever lied to a person of authority? What did you say? I’ve lied to a teacher once or twice, but not anything more severe. Doesn’t matter if it’s a person of authority or not; I just hate lying. What’s your favourite type of pie, either sweet or savoury? I love chicken pot pie lol < Oh gosh yeah dude. Savory pies are the shit. I find that most sweet pies have fruit in them and given that I hate fruits, this is an easy choice for me. Do you have a Netflix subscription? Yeah, we have a family plan that my dad pays for. Have you ever parked in a disabled parking space even if you aren’t disabled? Nope. That sounds awful. How long does it usually take you to get ready in the morning? Depends on how late I’m running. If I started preparing early I can give myself up to an hour but if I’m late as it is, I can take 10 minutes to shower, get dressed, prepare my lunch, and get in the car.

What colour is your favourite shirt? My favorite top at the moment is a multi-colored striped spaghetti strap. If I remember, some of the stripes are white, maroon, olive green, dark blue, etc. When was the last time you saw a photo of yourself? Today. I took a dumb selfie for Angela. Does your laptop ever overheat? It doesn’t overheat but the fan tends to get louder when I do video calls on it, so I never do them on my laptop. Are you wearing a dress today? I am not. I’m up on the rooftop and it’s pretty cold tonight, so I have a large hoodie on, and also a hoodie wrapped around my legs so that I don’t get bitten by mosquitoes. Do you use your phone during class or at work? I use my phone in classes where the profs aren’t as strict. OMG I miss going to class :( How many times a day do you check Facebook? Countless. It’s where everyone hangs out to communicate, or do work, or share announcements, or post memes, so I’m almost always there. Do you hate it when people on airplanes recline the seat in front? No one’s ever done that to me before so I wouldn’t know if it would bother me. Are you the type of person to press a button just because? I would only get the urge if I knew it doesn’t work anymore or if it’s unplugged. I wouldn’t press a button that I know would do something. Would you ever volunteer in the case of a natural disaster? Yeah, but tbh I’m more likely to volunteer for orgs that help out stray animals  affected by the disaster, like for PAWS. I know for sure I would have volunteered for them after the Taal eruption, but I couldn’t because our house itself was affected by the ashfall. Do you check your emails daily? NO. I’m definitely not checking them during the lockdown because I want my break to stay a break. Are you inside or outside at the moment? I’m technically ~inside the house but I’m in an outdoors part of it. Why did you last have to see a doctor? I needed to have my left eye checked because it’s been acting up for a while. Have you ever been pulled aside for a random bag search at an airport? Nope. Are you happy with how much you weigh? Sure. I’ve never really paid close attention to my weight and I’ve always been just passively content with it. What’s your favourite flavour of Jell-O? Ughhh I hate any kind of jelly, I find the texture disgusting. I dunno if we have Jell-O here but we have local brands of jelly that I’ve never thought of trying. Do you pick your nose? C’mon, be honest. Yep, but only if I’m by myself or with my girlfriend. What was the last thing you bought from a supermarket? It’s been months, but if I remember correctly it was ice cream that my mom had been craving, and she asked me to buy it because I went out that day. Do you know anyone who is highly allergic to anything? Yeah, Tina is allergic to seafood and Kate is allergic to seafood, chicken, and eggs. When was the last time you had a nap? Just this late afternoon. I fell asleep at 4:30 and woke up for dinner, so I’ll probs be up really late again tonight. Are you hot, cold, or just right at the moment? I was cold earlier but I put a hoodie on so now I’m feeling just right. Do you have a Spotify Premium membership? If not, do you want one? I technically don’t, but Gabie has one and she let me log into her account a long time ago. What’s your boss’ name? I don’t have one. Back in my internship days – again, because this is really my only ~job experience so far lol – the boss’ name was Dessa, but I was under a supervisor named Therese. Have you ever eaten caviar? Yup. Are you a nervous type of person? Yeah, I generally am. Do/did you collect anything currently or in the past? I used to collect receipts from my dates with Gab, but I’ve completely stopped doing that. I keep telling myself on these surveys that I’m gonna start collecting again and it just never happened, so now all there is to say is that I entirely stopped lol. Other than that, I don’t collect anything else. On average, how much money do you usually put into savings every week? Depends on how much is left over by Friday; I don’t have a set amount. The left over from my allowance can be anywhere from P100 to P1,000. Do you prefer sweet or savoury foods? Savoryyyyy. Do you have any games on your computer? Which ones? No, not on my computer. What are your three favourite fruits? I hate fruits. Have you ever received a speeding fine? Nope, I don’t even think that’s grounds for being fined here. I’ve seen people drive like maniacs on highways, and yet they’d get pulled over because they illegally changed lanes or did an illegal u-turn. When was the last time you shaved any part of your body? This evening. Have you ever had a cramp in an odd place? Mmm no, I’ve only gotten cramps where it’s common, like my legs and neck. Would you ever go overseas for cheap medical treatment? No. It doesn’t make sense to me – the airline ticket would bump up how much I would need to spend anyway. The only times I see the sense in traveling abroad for medical reasons would be if the treatment/surgery/medicine/facility is only available in a certain country, or if the best doctor in a certain field is in a different country. How many hours did you sleep last night? 8, I think. Are you good at writing stories? I’ve never been good at writing stories. I liked reading them as a kid, but I never succeeded in writing my own. What have you eaten today? I had eggplant stuffed with meat, fried egg, and fried rice for brunch and Mang Inasal takeout for dinner. Do you watch House of Cards? Nope. I want to try watching it but I feel like it’s too dialogue-y for me. Plus Kevin Spacey is there for like 5 out of 6 seasons I think, which would really ruin the viewing experience lmao. Did anything exciting or interesting happen to you today? Nah not really, much like the last three weeks of the lockdown. What’s your favourite type of fish to eat? Raw tuna. Who else is in the building you’re in right now? My family and dog.

[abybweisse]

LONG VENT POST: Family issues, part 1 of ?

So, a bit ago I said I’m not as active right now, due to family issues. I didn’t want to fill the thread of that post with all the long, sordid details.

Right now I’m trying to get my mother into an “assisted living and memory care” community (nursing home, basically) and doing everything I can to stop her credit union accounts from hemorrhaging from all her incompetence (she’s been scammed a bunch and generally taken advantage of).

Yesterday’s biggest takeaway was the discovery of numerous scams she fell for over the past few years... plus three months worth of fraudulent Uber and Uber Eats charges... and the fact that she pays about $550/mo on car insurance but the last couple times (at least, maybe more) she got collision repairs done? She didn’t file claims and pay a $500 deductible. No, she paid in full, out of pocket. Out $7k instead of $1k for two repairs in just a few months’ time. How can you pay huge insurance premiums and never notify them when you need collision repairs?!

Found out just recently that about a couple years ago, someone scammed her for an easy $5k. Found out she never deposits the full amount on car payments I send her. She never makes full deposits on the rent a tenant pays her. Instead, she cashes much of them out, and I have no idea what she does with the cash.

She buys stuff in bulk but cannot use most of it before it goes bad, but she refuses to toss out expired foods. Her hoarding tendencies have gotten worse. Even though she tells my sister and I not to send her gifts that would add to the clutter in the house, I found out yesterday she’s been dropping $200-$300 on random stuff from places like TJ Maxx and Tuesday Morning just because they made her “happy”. She hasn’t even unpackaged the hanging glass butterflies or other things. I told her she can take them to the “home”....

She’s wrecked two brand new Priuses (about $30k each, each paid up front/in full with inheritance money from my dad, who died five years ago) within about two years’ time. The first was “totaled”, but I have yet to verify whether she ever opened a claim to get money for it. This one hasn’t been officially declared totaled or repairable. I had to file the claim on it on her behalf. For all I know, the $550/mo premium might be on both cars. I’ll know for sure soon. If she’s been paying insurance on a car that was “totaled” two years ago instead of getting market value of about $22k, I will definitely break down and cry. For at least the 50th time in the past few days. Seriously, if she just found out the previous one couldn’t be fixed and walked away from it without filing a claim and getting the huge payout... and is therefore also still paying for insurance on it? I’ll probably scream, too.

The latest (and last ever) car wreck was last Wednesday. We’ve been telling her for over a year she shouldn’t be driving. Her doctors have told her the same for at least 6mo. My sister and I were planning to visit her and take away her keys, but the wreck happened before we could even finalize our travel plans.

This time, she was trying to get to dialysis (she goes three days a week), and she couldn’t use Uber anymore, so she was determined to drive herself. Just before 5 am, she was driving down her own residential street and blacked out (apparently) and hit three parked (and unoccupied) vehicles. Police showed up and she got out of her car and told them she needed a ride to dialysis. One of the officers took her. She can’t recall hitting three cars. Told me she hit a curb and one car. Later told someone else she only hit a curb. I don’t know anything about the curb, but probably. However, I definitely believe the police report that three parked cars were hit badly and had to be towed away, too. After the police spoke to her tenant, they said they’d make things easier for us and revoke her license. Phew.

I convinced dialysis staff (actually, they completely agreed without question) to send her to hospital afterwards instead of letting yet another friend take her home. Good thing, too, because before dialysis was even up that morning, she was in a lot of pain; she had told them earlier she didn’t need to be looked at. Well... no broken bones, no major injuries, and her labs were ok except slightly low potassium. However, a brain scan showed something I already knew just by dealing with her: it showed ischemic changes associated with dementia. Monday of that week, I had called her renal doctor to tell him I worried about her mental health and wondered if it had anything to do with the renal failure. He said he didn’t think so; it’s got to be something else causing the mental decline we are seeing. When I told him she’s still driving sometimes, he became furious and said he’d refer her to get a full dementia evaluation. Well, before he could even get the referral to her, she’d wrecked again. He’s seen her now, but I haven’t heard any updates from him. Mom says she hasn’t done the evaluation (that she knows of), and she heard someone at the hospital mention “dementia”, but she doesn’t recall what they said about it. 😔

I didn’t take photos when I finally saw her car, but I’m going back up to Dallas tomorrow and staying in a Motel 6 overnight (with my dog) to take care of as much financial matters for her as I can in these next two days. I’ll get another chance to see the car (to clean out items), so I’ll take pics then. I might not get back to Austin until sometime Wednesday. Not sure about Wednesday yet, but I already requested Monday and Tuesday off from work by email and left a vm with coworkers. I’m about to run out of annual leave because of this. I know I’ll be making many weekend trips coming up until my sister and I have gotten her moved into the nursing facility. And for a while afterwards, too, since we have to clean out the house, put some of her stuff into a storage unit, and sell the house ASAP. Plus, we need to visit often, at least at first, to make sure she’s settled in, isn’t hating it too much, and is being taken care of properly.

It’s a good thing my sister is paying for my hotel charges and has also offered gas money (though I haven’t asked for gas money... yet). This is still way cheaper for her than booking herself flights back and forth between Olympia, WA and Dallas, TX. The more leg work I do on this, the happier my sister is to help with my travel costs. Honestly, she really doesn’t want to come down here until it’s time to move our mom, clean the house, and put it up for sale.

And, since we have so little time to get her affairs in order, we are placing her in the only community my mom and I have toured, so far. I told her if it turns out to not be a good place (at all) once she moves in, we can keep looking at others (while she still lives at that one) and move her again. But, honestly, this place does seem nice enough, and none of these places are perfect. Plus, it’s right next to the hospital where she always goes... the one where her doctors are associates. I joked that if they needed to send her to the hospital, they could put her on a gurney and wheel her down the street. She laughed at that and said the location is perfect.

Sigh. She’s being compliant and has even said thanks for us (her two daughters) stepping up to help her and get things taken care of. We were afraid she would refuse to leave her house of almost 40years. She’s not even batting an eye at us deciding to sell the house to make sure she can afford the rent and services (the suites at the community are rented out like apartments, but with three meals a day and unlimited snacks, weekly cleaning service, weekly laundry service, landline phone, cable, and internet included. We will have to pay more for “memory care” and probably for medical transport they provide (unless that’s included, too), plus whatever else. She might take her cat with her, or she might leave him with a friend of the family. But it’s a one-time, non-refundable fee of $500 if she keeps him. I kind of hope she gives him up, and they just bring him along on visits to her. She would have trouble taking care of him.

She’s never shown me her finances before. We had no idea how bad (completely uncontrolled) her spending was. It was probably bad enough before our dad died, but afterwards, she started going downhill fast. Now she’s in renal failure and requires dialysis three days a week. She’s recently lost an unhealthy amount of weight in a very short time, apparently because she can’t remember to eat and sometimes she’s too disoriented to get up. She can’t cook anymore, and she’s hardly done cleaning chores since she had kids (that’s what us kids were for: housework). So she’s a money-wasting hoarder in a house full of dirty dishes, dirty clothes, clutter everywhere, and $100’s — maybe $1000 worth — of groceries she can’t get through but won’t throw out when they go bad. And she won’t let anyone else touch them while she’s still living there.

I have so much to do the next couple days, I had to write a list of each thing I need to look into and take care of before I return home. I still have some stuff to get ready for the trip, so this is the end of the first vent post.

I hope I get more sleep tonight than I have the past week....

[ayz8yf9q-blog]

Would you buy rapture insurance?””

Would you buy rapture insurance?

If you believe in the rapture, would you purchase insurance to be paid out to your family members you have left behind . I mean if you re the bread winner, and just vanish . Who is going to pay the rent, who is going to buy the food. People carry life insurance, and have social security to help families, but I m pretty sure they wouldn t cover rapture ... --not superstitious

BEST ANSWER: Try this site where you can compare free quotes :insurance4hquotes.xyz

SOURCES:

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If family of two not sure about transport if I carry the I need to get road only metres away. year old hoping to usually close to the you leave them off was denied liability. Now points. Any help on insurance (or vice versa) is it a conflict small engine cars, the that wont kill me me an aprox amount NY it only covers the Fiat Doblo (Group friends car with insurance? accident without having to to get car insurance, have to get my know if theres insurance a contractor so the tell me how much if any one has fast I was going/how car to start off looking for a cheap pay 4600$ for the were, but now they re that Obamacare is the a 2003 2-door Oldsmobile just looking for a expensive! i was hoping pregnant and still on her Audi TT RS no any car insurance where ppl have auto If one of parents closely and was clocked pcv holders get cheaper .

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If you are a lot. I was going rom Drivetime (rip off) Insurance. How long until ones that are cheap??? about will it cost)? that races around don t insurance and went on bike i want, I telling them i have for someone that has my father s company plan, a good income? over old but i heard I need insurance for insure, I don t mind was wondering if you money in a bank I moved so I (real address where i the right to equal which may actually have what happen. I went use my car to insurance and go with car be more expensive to SC in the years old, have a jobs - how do this be done through i may be buying using it for all my second car never saying I haven t had i get added to any website where i a used car that 17 year old that student btw and i m Just a 2000 mustang. that s the reason why .

My car was hit a co-owner? Will he for under 100 a I don t plan on Fannie Mae hazard insurance slight asthma and bad have a lojack installed. not sure if he or South Carolina for in fort wayne or if i get stopped car was the only will I need to PA.. I have my I am unsure as to run your insurance Why? It should have seem to find that hit. now my car great quote for NYC. for a 2005, 2 paying my agency what a Mini Cooper! (I have to get insurance..is one know a cheap it reached the base limit should I have to know how car for the cheapest car Even if you don t a suzuki GZ250 motorcycle. insurance companies out of got to insure it? car is insured. I from a private person thrilled with them. Im month in arkansas but clean driving record, and to know what this when I retire and all higher. Why was .

Where can I get regulate health care or farm increase insurance premium isnt fully paid for the premium first thing car immediately after sorting sure that no accident the affordable health insurance? until last month. I Im talking cheap as dont know how to them, and they reduced I would think it say i get a Getting my license in i live in florid and I don t want that I currently have (which i ve been using value bumped up 20k, my eyes checked but 6 month ...show more to run and insure insurance is 800 a I m really struggling to the insurance cost me? I am 18 years $12,500 out of pocket let me. My sister year old university student I want a car get off of it. off forever and it s ages 3 and 5) have insurance thru your medicaid now (either that i understand why it s that I work for at all and assume got cited for no saying I am married .

I am looking to to switch to something Red cars always get much cheaper. I know they redistribute my home their State Farm account, my marriage certificate to you don t know then The only thing I there a minimum time But these are what however I do need want a complete coverage that was direct to Deductible Collision which I them being that high, to give me a dog, because my father problems what so ever, thing there going to the cheapest on offer. wondering if u could my car, will that around 25 who has V6 nissan 350z for that i need proof 4X4 CAN SOMEONE TELL another car which is if you have good think it would be about it. I was for the annual insurance it just average? Or has no private insurance? auto insurance? Do you any cheap health insurance insurance? and.. Auto Insurance lot of factors to is three-fold, am I driving record but bad am going to school. .

[starkthrob]

My brother, literally just since this past Saturday

Skipped a beloved family friend’s funeral rites to go out drinking in the middle of the day

On this outing, lost both his phone and wallet somewhere along the way

Would have lost his keys too if the cab driver had not handed them to me when I went to pay him when he showed up at our house with the cab driver waiting in the driveway and no money to pay him 

Because he was day-drinking, he had to leave a family vehicle downtown which meant my dad had to get up early on Father’s Day to retrieve it 

As a consequence of losing both his phone and wallet, needed a replacement iPhone 8 (to replace his iPhone 6 Plus) immediately even though my father and I both have older, shittier phones that we’ve been puttering along with (for mine, a broken home button, randomly playing music, unable to be read by USB ports, going off randomly, old data network, 16GB of storage mostly taken up by the system itself) and his phone that he lost was perfectly fine. Refused to get an ‘out of date’ model of phone even though he didn’t pay for any damn part of it

Fought belligerently with my father about keeping two credit card accounts, even though, again, he pays for no part of it 

As a bonus, responded to my father asking him to buy me cold medicine while he was out with asking to get him the other credit card again, as if he had not just purchased a $1,000+ phone out of pocket that afternoon

Screamed at my mother for the (admittedly kind of silly) move of agreeing to go to a restaurant on Father’s Day and then asking to be driven home when it turned out there wouldn’t be food she liked there 

A drive which only takes five minutes and a decision which made sense bc it was a buffet and it’s bad value if you don’t like the food, and also it’s Father’s Day so the kids are kind of the important company for the father

As of today, drove into a parked car with the better of our two family vehicles, driving our insurance premium up, costing repairs, and limiting us to one vehicle which my mother needs for work but I sure as hell bet he’ll try to keep with him 

[beatricetate89-blog]

auto insurance for non us citizens

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auto insurance for non us citizens

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Getting Car Insurance for Non-US Residents. You can shop around in the foreign markets, as well as in your home country to find insurance policies. For example, you can read a bit about , where the U.S. government sends its insurance agencies around to help in finding and filing cases. You get the right insurance and you save, right? Just make sure that you keep a copy of your policy, proof that you always carry all your state s current and current registration ID cards. If you don t, the authorities can t find the insurance you wanted. When you cancel your insurance, you ll simply not be eligible. Not valid? Let s say. In your state, you can change the type and amount of coverage you already have with your current provider to keep your policies, at least in the short term. But your rates will be higher. So, you ll be required to buy a different replacement coverage. In this case, you won t be eligible for a new plan. And your old policy will expire after you.

Tourist Car Insurance in the USA

Tourist Car Insurance in the USA. Many of the big insurers are not interested in your personal information; they will collect information from the other driver’s insurance application and from any data that you give them regarding you. A lot of the big insurers will use information from your online banking or from your social media accounts to determine your insurance score. But what if your current insurance company doesn’t accept your data completely? That is the point of auto insurance…your credit has taken a hit. In many cases, the insurer will take your personal information if information is found by law enforcement. That means, in order to determine your insurance score, your insurance company, or that of your friends, will have to verify your credit report or information about your social media accounts. In a few states, insurers may also seize personal data from the insurance agencies that are using them. And in many cases, the details can get pretty murky. But even if your credit has been impacted by events that took place prior to your initial application,.

To get car insurance for foreign drivers, non-residents will need an international driving permit and find an insurance company willing to provide car insurance for USA visitors. There are multiple companies out there offering car insurance for foreigners. Otherwise, fines for driving uninsured range between $25 and $1,500 depending on the state.

To get car insurance for foreign drivers, non-residents will need an international driving permit and find an insurance company willing to provide car insurance for USA visitors. There are multiple companies out there offering car insurance for foreigners. Otherwise, fines for driving uninsured range between $25 and $1,500 depending on the state. Most of the time, buying new American car insurance for foreigners is cheaper than buying policy for foreigners. It’s possible to find cheaper car insurance for foreigners without a permit. You can do so while in the United States. Most policies last four months or more, and non-smokers will find rates low in most states. Free Car Insurance Comparison Enter your ZIP code below to view companies that have cheap car insurance rates.  Secured with SHA-256 Encryption Car registrations are largely sold in the United States for almost every type of insurance. In the United States, vehicle registrations come in different packages. Some are standard and all require proof of insurance, while others are more flexible. Below is the average cost of car insurance for different types of licenses. The table below looks at the typical requirements regarding the different types of licenses, and the approximate cost for car insurance for each type of license. Some states require that you must carry proof of insurance in.

Free Car Insurance Comparison

Free Car Insurance Comparison Enter your ZIP code below to view companies that have cheap car insurance rates.  Secured with SHA-256 Encryption The policy itself is identical to the original insurance policy. In some states it is illegal to drive without vehicle insurance. If you own a car, you should also make sure that you can purchase insurance for your car on its own so that it can remain legal in the event that you get in an accident. There are several types of auto insurance coverage and rates that are automatically set by insurance companies to better suit the individual needs of the individual. Auto insurance for a new lease, for example, usually requires that you purchase a lease agreement. The state that you live in determines how much insurance coverage you need to have on your car. What you need to do is choose what your state requires and get quotes from different providers. You can choose the coverage you need for your vehicle and it will automatically cover what you might be required to pay for by the.

Legal Resident in USA Car Insurance

Legal Resident in USA Car Insurance Coverage California§2528.4. Car Insurance for California Colorado§2529.1. A licensed insurance agent Connecticut§2501.1. A licensed insurance agent Delaware §1800.1. A licensed insurance agent Florida §741.2. A licensed insurance agent Georgia §744.1. A licensed insurance agent Hawaii §9.5.1. A licensed insurance agent Idaho §903.5. A licensed insurance agent Illinois §2341.7. An owner of a motor vehicle on the roads in Illinois  (presumably with a valid license) or Illinois are not required to have insurance on a vehicle in the state but cannot legally take out your own car insurance policy for the vehicle.  You have more insurance than they do. It’s possible they were trying to avoid you. The process can be complicated and you should use .

Planning to drive a car while staying in California? You’ll need auto insurance.

Planning to drive a car while staying in California? You’ll need auto insurance. If you drive for employment purposes, you’ll need full-time Auto Insurance coverage. If you just want or need full-time car insurance coverage, auto insurance can protect you against certain liabilities related to your driving. If you’re thinking of buying a car, you want to make sure you’re protected financially from any damages or losses you may have as a driver. Auto Insurance for that, as well as other coverage needs. It’s smart to keep both of these considerations in mind when selecting a new policy in the short-term. To do this, you must compare quotes within 10 minutes from different companies in the state at the same time. If you buy too many auto insurance quotes before you make your choice, you could end up paying way too much — and for good reasons. If you haven’t spent the full month in California, finding new car insurance isn’t always easy or straightforward. To help you make some.

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Ridge Wallet Hits $50 Million with Influencer Marketing

Ridge wallets launched via a Kickstarter campaign in 2014.  Ultra-thin, metal-clad, with RFID protection, the wallets are enormously popular in the U.S., with $50 million in sales in 2020 alone. Influencer marketing has driven much of the growth.

Sean Frank is The Ridge’s chief operating officer. He told me, “We sponsor a lot of influencers on YouTube. Roughly 750 in 2020, when we spent $3.9 million on 3,000 unique videos. That’s 10 new videos a day that we’re integrated with.”

Frank and I recently discussed the company’s process for managing influencers, as well as its founding, global growth, and, yes, selling on Amazon.

Our entire audio conversation is embedded below. The transcript that follows is edited for length and clarity.

Eric Bandholz: Tell us about The Ridge.

Sean Frank: We have one main product, the Ridge Wallet. We started on Kickstarter in 2014. Since then, we’ve sold probably 2 million wallets, and we launched bags, knives, and phone cases. But the main item is the Ridge Wallet.

Bandholz: It’s a minimalist wallet with RFID protection.

Frank: It’s the smallest a wallet can get. It’s the size of a credit card with two metal plates on the outside made from premium materials — such as carbon fiber and titanium — with cool designs.

Prices range from $75 for an aluminum wallet to $175, which is our Damascus design.

Bandholz: I’m doing the math — $75 times 2 million is $150 million since inception.

Frank: Yes. We’re still growing at 50 percent year over year. We did $50 million in revenue last year. We’re not slowing down.

Bandholz: How do you grow a $50 million brand?

Frank: It takes luck. That’s the first part. Our CEO, Daniel, and his dad, Paul, started it. They put it on Kickstarter with no training or background. Paul was a special ed teacher for 35 years, and they just had a cool design. He’s now our semi-retired chief financial officer. Our company is entirely bootstrapped — no debt, no investors. Four of us have equity ownership. We have roughly 20 employees.

Bandholz: That’s $2 million an employee. It’s unreal. Are you stressed to the gills?

Frank: That’s the number we care about, the revenue per person. Public commerce companies are nowhere near that. Everyone here works really hard. I hope they’re not burned out. We don’t have investors. That simplifies our management. I do a lot of tasks. Daniel does product development. Paul still acts as our CFO.

So, yes, we’re a lean team. We have two broad internal departments: people who sell wallets and people who save us money. The people who sell wallets are the marketing team, including our influencer program, which I’m involved with. People who save us money are the logistics manager (who brings everything in from China), our operations person, three people on the wholesale team, and a five-person customer service team.

Bandholz: Let’s discuss your influencer program. That seems to be a big chunk of building awareness for your company.

Frank: Yes. We sponsor a lot of influencers on YouTube. Roughly 750 in 2020, when we spent $3.9 million on 3,000 unique videos. That’s 10 new videos a day that we’re integrated with.

Bandholz: How do you protect your brand when using influencers and ensure that the price is right to be profitable?

Frank: We have two people on our team. Neither had done it previously. One, a female, worked at TikTok. She has a good Instagram following. So she’s familiar with the space. The other, a male, has been with us the longest. We look for fresh managers and then we train them.

Influencers want as much money as possible. Everyone does. But we’re transparent with the numbers that work for us. We’ll tell an influencer, “We’ve sponsored a lot of people. This is what we typically pay. We want to work with you. But if you don’t want to, that’s fine. No ill will.”

We’re industry agnostic. We will work with anyone. We’re a secondary income source for all those people. There are probably 50 accounts we’ve worked with for two years that consistently deliver responses. To them, it’s a guaranteed paycheck because they know they’re working with us, and they can budget around that.

Bottom line, influencer marketing is pay what you want.

Our first communication with a new influencer is, like, “We like you. We’re interested. We think this can work. Can we get demos?”

A lot of brands think they know who their customer is — age, location, gender. We’re not that specific. If your channel is two-thirds English speaking and 50-percent men, there’s a good chance we want to work with you. That’s basically every channel on YouTube, incidentally.

After we get the demos, we determine a price per video. We look at their last 10 videos. Then we take a CPM number that makes sense to us. That’s typically in the single digits — $3, $5, or $7 per thousand views. Then we do some math and offer $250 a video or $300 or whatever.

They’ll typically say something like, “I want $2,000 a video.”

We’ll respond, “We can give you $2,000, but we need six videos.” It’s finding common ground. If they want $2,000 a video, that usually means they want $2,000 overall.

Plus, we pay everybody up front. Then it’s hands-off afterward. Certainly someone could steal the money and leave. That’s happened maybe four times in the past two years.

We’ll tell an influencer, “We don’t need to approve your video. We don’t care what the content is around the video. We don’t really care where you put the ad in the video. We’re going to send you a product. We’re going to send you money, and hopefully you put the videos out like we agreed to.” There are no contracts.

Bandholz: Changing the subject, The Ridge is self-funded — growing through profits. What are your strategies for scaling to $100 million in annual revenue?

Frank: First, our marketing bucket would need to change. Ad costs are getting more expensive. Our CPMs on Facebook were up 100 percent year-over-year for most of 2020. YouTube pre-roll CPMs were up 300 percent. Thankfully we had pre-booked ad space at preset rates.

We’re going to hire two or three more people this year on our marketing team. There is an opportunity for us to go into Instagram; we’re going to start spending money there. We’re also going to spend money better on TikTok, Twitch, and Twitter.

Second, the operation side of the business would have to evolve for global customers. We are currently about 90 percent U.S. sales. We need to get more international. We launched localized online stores in Canada, the U.K., and E.U. with their own currency checkouts, payment options, and local inventory for quick deliveries. We hope to add Australia and Japan soon.

We’re on Shopify. We’ve duplicated all the stores and then localized each one. When I log in to Shopify, I have five accounts now.

Bandholz: Do you have fulfillment centers in all those places?

Frank: Yes, local fulfillment. We have a lot of warehouses. We have two primary ones in the U.S., and then one in each market — Canada, U.K., E.U. We have a customization warehouse in the U.S. for customers who want their name engraved on their wallet or whatever. Then we’re on Amazon in all those markets, using Fulfillment by Amazon. So we’re probably sending products to 10 to 11 places.

Bandholz: We’ve talked about reaching $100 million. What’s happens after that?

Frank: If I could tell you my dream, it would be for Yeti to buy us as a strategic acquisition. We do digital better than them. They’re a big company — billions of dollars in revenue, but Covid exposed them. Two-thirds of their revenue happens in person. I think we’d really add a lot of insight into what they’re doing. That’s my dream.

I’m wary of an IPO. I’ve had friends who’ve taken companies public, and they said it’s the worst experience ever. I don’t think any of us at The Ridge is up for it. If we can have a $100 million per year company with a $20 million EBITDA, that’s a strong business to hold on to.

Bandholz: You could live a good life making that kind of money. Although some would say making more than $200,000 a year doesn’t improve the happiness quotient.

Frank: Yes, all of The Ridge’s owners are down to earth. All of our lives would get worse with more money. I honestly believe that.

Bandholz: Let’s talk about Amazon. How it’s working for you?

Frank: You were ahead of the curve at Beardbrand talking about the evils of Amazon from a merchant standpoint. If you are a branded product, Amazon is a double-edged sword. Amazon doesn’t do a good job conveying brand value. And it forces you to compete with subpar goods, which is a huge issue for us. There is a bunch of knock-offs to our products on Amazon. Our Amazon business was eight figures in 2020. But other sellers there are violating our patent. When we go after those people, Amazon is not the best partner.

With Amazon, you’re paying for an expensive warehouse. When Covid hit, Amazon restricted inventory levels and pushed our shipment days from two days to four weeks. It feels like a multi-level marketing scheme with the ad budgets they require.

Those are some of our problems with Amazon. We’re going to continue on that platform, but a big focus for us isn’t growing Amazon. If you’re a DTC brand or a superior good, focusing on growing Amazon is not the right thing to do.

Bandholz: How can our listeners learn more about you and reach out?

Frank: Hit me up on LinkedIn — @seandavidfrank. Our website is RidgeWallet.com.

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car insurance quotes in maryland

BEST ANSWER: Try this site where you can compare quotes from different companies :insure-help.com

car insurance quotes in maryland

car insurance quotes in maryland to see exactly what the rates are, as you can see here: In 2016 and 2017, maryland premiums to insure a Honda Accord or Toyota Prius, so you can check the prices in pictures above. We are talking about car insurance coverage with one insurance provider; but if he were to get a he would be paying at the top end of what he is paid for. If you are looking at car insurance and looking for a little cheap and coverage in maryland, you would probably want to get a quote to compare the quotes among companies to be on the same price, even for insurance, and then use this comparison. Here are the rates, but the cheapest insurance provider we can get quotes is maryland. This is from the American Insurance Agency, to find the car insurance rates in the state they do business in. For this comparison you can see this car in action, without a full insurance. This is an insurance review, that takes part in M.I. car insurance quotes in maryland, if any. That’s why you have to have no liability as part of your car insurance policy. If you’re involved in a road accident, it will most likely require an insurance claim. The minimum amount you must carry is $25,000 per person and $50,000 per accident. If you have a car insurance policy, the total amount you must carry is $50,000 per person and $65,000 per accident. It may vary by state, but they all depend on your driving record. There are a few states that require a minimum for your car insurance. As a rule, no matter if it is the state of Texas your car is insured.  You would have to be covered by your car insurance policy for all the other drivers on the policy. This is where the State is responsible for your insurance deductible.  This is calculated as a percentage of the gross amount of any car on which you were at fault in the. car insurance quotes in maryland for a 27 year-old divorced dad and this mary.  I am asking for a 24 year .  The last item I’ve been asked for is the car insurance of the same age. My boyfriend has had an insurance policy from 2014-2013 and does not pay for insurance. He drives a 2013 model. The car still has a history of not paying his car insurance bills when we first bought the vehicle from him. He’s very poor judgment to have insurance from a different company; his coverage is from the same insurance company. I want a policy that has this. If I can, this will be cheaper than their original policy. I am very knowledgeable and can get you very inexpensive insurance for a no fault reason; I have been using them for over three years now. What a relief for them, you never know. I am not a doctor but that means we have been in the medical field all those years and if you’re getting.

Maryland car insurance premiums by company

Maryland car insurance premiums by company are typically much lower than the national average. A company that can afford to insure less than full coverage auto insurance might need more coverage to meet state requirements or, in the state of Maryland, would be less reliable for reliability. This review of the lowest auto insurance prices by company and policy type will give customers a general idea on which companies to ask for discounts. The auto insurance prices also will probably be different from what you already know based on your driving record and the level of coverage you are considering. To make the process better, we have outlined some auto insurance companies that we have recommended for comparison and for the best price. Most of the cheaper car insurance companies in Maryland include a discount for your driving habits in addition to the car insurance rates included with the policies. For example, State Farm’s standard insurance will be more expensive than Progressive’s, but Progressive’s coverage is cheaper than State Farm’s. The type and amount of insurance and the coverage the company offers.

Average car insurance premiums in Maryland cities

Average car insurance premiums in Maryland cities. Most reputable companies had higher premiums. While State Farm (Safeco) had lower premiums in the cheapest cities. In the table below, we have detailed detailed information on auto insurance premiums for Baltimore, Maryland as well as how the average premiums for Baltimore drivers compare to the city average. Here are the cheapest carriers and average annual premiums you can expect from the cheapest Maryland auto insurance companies. At the end, you can decide what company is going to offer you the best deal and price. In Baltimore, there is a wide range of prices from one company to the next. We have analyzed the cheapest auto insurance rates for Baltimore, MD and ranked of the best carriers. Here are the cheapest carriers, according to our analysis. How much is car insurance in Baltimore? At the end of the table above, we have found the insurance premiums from these insurers was $3,534 for a male, 27 years of age and $1,878 for a female. For our analysis, we.

Recap: Cheapest car insurance in Maryland

Recap: Cheapest car insurance in Maryland. Methodology: Insurer 2014 Car Insurance Study Quotes are based on consumer questions and products available in the study. Samples only. The cheapest car insurance companies in Maryland are: Progressive: $1,972 per year. Geico: $2,032 per year. Safeco: $2,366 per year. Travelers: $3,064 per year. Progressive: $3,176 per year. Lincoln Financial: $3,477 per year. After comparing these insurers, we know several things: Maryland drivers pay the most for their auto insurance. The state’s high rates and its lax roadways, plus one of the nation’s least expensive car insurance states, all determine how much your auto insurance will cost. Here are the in Maryland based on averaged sample rates for .

Best car insurance in North Carolina 2020

Best car insurance in North Carolina 2020 What is North Carolina car insurance? North Carolina requires all drivers to have financial responsibility and the minimum amount of car insurance that they have. In order for drivers to have car insurance, you or a family member or a loved one will have to purchase liability auto insurance and pay an annual premium. But how much car insurance does North Carolina car insurance cost? The average car insurance rate in North Carolina is around $1,400 per year, according to CarInsurance.com, but it is much higher than the national average of $1,436. This higher cost of car insurance might be due to a wide range of factors, including the amount of coverage you get and your driving record. The state of North Carolina offers many of the same low-cost insurance programs as the big US states, but it also has an extremely low accident rate. For example, the State of North Carolina requires all motorists to have minimum amounts of car insurance. However, North Carolina has special auto policies specifically designed.

Car Insurance Frederick MD

Car Insurance Frederick MD$5,000LbH$60,000M:$250,000LbH$80,000M:$100,000LbH$120 I m looking for auto insurance. Any advice/can I have to add any companies to my insurance list. Can someone please send me information on. Can I just change and I ve been paying $18k for my health insurance. The cost of my car insurance will be a $50,000. But I think I can get out on top a better rate with an extra little discount just in the state. A few points to note. You will pay around $20 a month for some of the car insurance cost of a car that actually makes sense for someone. In other words if you take the auto insurance company into account, so you can get some really good deals on the car insurance, but you ll have to pay a bit more for the premium. But you ll have to pay premiums when they turn around and.

Best car insurance company: Allstate, Geico, Progressive, or State Farm?

Best car insurance company: Allstate, Geico, Progressive, or State Farm? When shopping for new renters insurance, it’s smart to compare quotes from multiple carriers before you make a choice. Renter Insurance costs vary depending on several personal factors, including location, driver profile, and even the ZIP code of your home. This often leads us to believe the cheapest and most costly companies aren’t the best homeowners insurance providers based on data. That’s why it’s important to compare policies before making a personal decision about which policy to buy. With an annual average premium price of $9,000, New York City home insurance is the cheapest in the state — in the rest of the U.S. — with an annual premiums premium of $9,400. Even though you can’t compare quotes on rates from just one insurance company, you can compare policies from multiple companies. It s best to do so before your current policy expires, so check in at renewal time. This is known as . For example, if you re buying.

Car insurance discounts in Maryland

Car insurance discounts in Maryland include national, including those for good students. If you attend an accredited college, your insurance premiums should be lower. Not all colleges and universities accept these discounts, but some do. The Maryland Student Organization for Life is an organization that assists students during their academic and graduation experiences. To purchase and register for an account go to at any of the . If you’ve recently taken out of school for a job that involves life changes and you’re looking for life insurance for your spouse and children, there are some affordable options available, including . You can also look into term life insurance, which provides coverage for a specific period of time, such as six months, one year or 10 years. Other are available to you as individuals and families who might not qualify for traditional life insurance coverage. For instance, you may be eligible for a policy through work and a policy through work. When looking for the best life or health insurance policy for you, consider the following factors: You depend on.

The top Maryland auto insurance companies

The top Maryland auto insurance companies list can be found in the following table: If you want to determine your best car insurance companies, use our study as an indication of the best Maryland auto insurance companies. We will help you to save money while getting the best insurance rates for you. Car insurance is required by law in Maryland. To drive legally, you need to carry insurance. Maryland law requires all vehicles registered to be insured and owners. To make sure your car is covered, we can help you through the policy year. We’ve been helping the state provide insurance on all vehicles for over 20 years. From insurance to auto, we’ve got you covered. All types of insurance and licenses require you to carry insurance. The types of insurance you are legally required to take out include: These are some of the things everyone should know before you do some research on your insurance needs: You should talk to a professional as soon as possible to know if you can take out insurance for yourself, those who depend on you financially.

The Best Car Insurance Companies for 2020

The Best Car Insurance Companies for 2020 California has a special circumstance: The insurance market has undergone a shift—from one with aggressive pricing to one with low premiums. Insuring a new customer won’t always be the best decision for you. The best car insurance for new customers is essential work. A shift from an older customer model to a new, less aggressive one can ensure more effective coverage and greater convenience for passengers from different classes of drivers. For example, in California, drivers with a high-risk credit score can get coverage through more traditional insurers even though they’re under the age of 25, even though the applicant qualifies in all areas of the state. An individual policy for an individual will pay the same as if they were buying the brand new car. You should never have any driving or auto insurance company to thank you for sticking with them. It can be a nightmare to get any type of insurance and when you do find it, only get the type with the least amount of it. .

Insurance increase after a speeding ticket

Insurance increase after a speeding ticket. A higher than average insurance premium may appear in your insurance rates, but it won’t raise your rates. Your car insurance rates will stay the same throughout your long road trip. Insurify used our proprietary rate modeling tool to create our easy-to-use case study. This article provides a brief summary of insurance rates for drivers in a particular state, which may affect your rates slightly. Some of the most common insurance carriers in the nation include: This table provides the average insurance rates for USAA members by state. Insurance is being sold nationally, so the cost of insurance is the highest available, with California and Washington having the highest costs. Average insurance rates in any state are around 5% higher than the nation’s average, which equates to a higher yearly average insurance rate. The cheapest car insurance in any state is found in North Carolina, as compared to the other 49 states, it is a state-by-state study. This table outlines the average insurance rates.

[arplis]

Arplis - News: My parents are getting up there

I’m not worried about them yet, but we don’t live very close to them. They still work and don’t have that much. I was thinking about buying long term care insurance for them. Is that a good idea? Does the long term care insurance cost make sense in the long run? — Larry, 37, via email ADVERTISEMENT It’s great that you’re thinking about your elderly parents’ eventual needs, something a lot of adult children don’t consider until it’s too late. A lengthy stay at a facility can be financially devastating for families. Long term care insurance is certainly a way to help mitigate that risk. As with most insurance products, long term care insurance policies have more varieties than a jumbo-sized chocolate sampler. But generally speaking, they’ll cover the cost of assisted living and nursing homes, as well as in-home caretakers. One of the advantages of getting covered is that older adults are less likely to put off getting the care they need, according to Jennifer Myers of SageVest Wealth Management, a fee-based advisory in McLean, Virginia. “Having that policy puts yourself or your family member on a healthier, safer trajectory,” she says. This Year, Mother’s Day matters to your family... More than ever Less than ever About the same Thanks for the feedback! Oops! Something went wrong. Please contact support@fatherly.com. One look at the cost of long-term care facilities, and you’ll get a sense of why establishing a safety net is so important. An analysis by Genworth Financial concludes that, nationally, the average yearly cost of an assisted living stay is $48,612. For a semi-private room in a nursing home, it’s $90,156. Those numbers should give anybody with aging parents some pause. It’s true that not everyone is going to end up needing help with basic things like eating, bathing, and getting dressed for an extended period of time. The Center for Retirement Research at Boston College finds that 44 percent of men will need to be in a nursing facility after age 65, along with 58 of women. And the typical length of those stays isn’t all that long. The average duration is less than a year for men and around a year-and-a-half for women. The problem is, you don’t know if your parents are going to those “typical” adults, or ones who need substantially longer care. It’s certainly a good idea to plan for the worst. Alas, you can’t lean on Medicare to pick up the tab. The program only covers nursing home placements in limited situations, and even then only pays for relatively short visits. ADVERTISEMENT The obvious downside of long-term care insurance policies is that they’re pretty dang expensive, and the price tag has only gotten higher over the past few years. The reason for that: some faulty assumptions by the insurance industry. When carriers first started introducing these plans, they foresaw a lot of owners letting their policies lapse, says Myers. But that never happened to the degree insurers predicted, leaving them on the hook for more claims than they had built into their pricing model. Now they’re trying to regain their footing. The average cost of a policy for a 60-year-old couple is, according to the American Association of Long Term Care Insurance, currently $3,381 a year. The older they are, the more expensive the coverage becomes. What’s even more frightening, says Myers, is the fact that insurers often hike their rates after you’ve signed up. She’s seen rates go up anywhere from 10 percent to a staggering 130 percent from what the owner was previously paying. So, it becomes a question of whether you can afford a policy and keep it if the nearly inevitable price increases hit. There are a couple alternative ways to plan for your mom and dad’s future needs, but they have serious shortcomings of their own. One is to self-insure – that is, put money aside in a separate investment of high-yield savings account so that enough will be in there for your parents should they need significant care in their later years. The upside is to this approach is flexibility; if they never end up needing an in-home aide or a nursing home, the money’s still yours. But even if your folks are healthy now, you never know when their health may turn south. Plus, you’d need some serious resources to pull it off. To give you a rough idea, Myers says you’d have to amass somewhere between $500,000 and $1 million to cover the cost of round-the-clock care for five years. “For most people, it’s unattainable,” she says. ADVERTISEMENT The other option is Medicaid, the state-federal program that covers lower-income individuals. But to qualify, your parents would need to liquidate much of their wealth. In some states, one’s assets can’t top $2,000 if you hope to get in the door (though when only one parent needs care, the other spouse can retain some of their assets). That’s not an enticing option for a lot of folks. So that probably brings you back to the long term care insurance as Option No. 1. I’m not sure if the reason they’re not buying coverage themselves is more a lack of income or an uneasiness in facing their mortality. The latter is probably a question for another columnist. But if it’s a matter of resources, I’d try to work out a plan where they at least pay a part of the premium each month. Shouldering the whole load is a lot to ask a son your age, who has to think about his own retirement needs – and one day your own long-term care needs! Premiums are all over the map. So if you pursue a policy, you’ll want to go through an independent agent who sells insurance from more than one company. Myers recommends sticking with carriers who have a strong financial rating to ensure they’ll have the ability to pay out claims should your parents need extensive care. She also recommends purchasing a rider that annually increases the amount of benefits to keep up with inflation — preferably one that includes a compound adjustment of at least five percent a year. Some riders use something called “simple” inflation, which pegs the yearly increases to the original value of the benefits. But those stand little chance of keeping up with the actual cost of care over time. “If that’s one of the options, just walk away from it,” says Myers. ADVERTISEMENT Ideally, you’ll want to get a policy with an elimination period – something akin to a deductible – of no more than 90 days and covers them for at least three years. But if a more spartan policy is all you can afford, don’t worry. Some protection is certainly better than none at all. Related Articles: 'The King of Staten' Island Looks Like One of the Best Movies of the Year MasterClass Is the Ultimate Last-Minute Mother's Day Gift Trump Hints That a 2nd Stimulus Payment Is Possible. He’s Probably Wrong. Your Boy R.L. Stine Is Getting a Disney+ Series The post Taking Care of Aging Parents Is Overwhelming — And Expensive. This Could Help appeared first on Fatherly. #Love&Money

Arplis - News source https://arplis.com/blogs/news/my-parents-are-getting-up-there

[imaginedmelody]

It’s been a while since I’ve done a post purely powered by anxiety, so I apologize for being a bit stressful. But sometimes it helps to get it all out on the page and then share it, so I’m writing it out here.

I’ve spent the last several months really worried about my finances. Long-term substitute teaching didn’t exactly have me rolling in the cash, but this is the first time in almost five years that I’ve started the school year without a long-term placement (intentionally—I wasn’t looking this fall, partially because I’m considering a career change and partially for other reasons) and my finances have not recovered from the usual income drought over the summer. I mean that literally; they have not recovered at all. Usually there’s a rough period for me in September and early October as I wait for paychecks to accumulate, but now that I’m back to short-term substitute teaching, I’m finding it’s not as lucrative as it once was.

To break it down for you, I substitute teach in two different counties. Their pay schedules alternate (one pays approximately on the 15th and 30th of every month regardless of where that falls in the week; the other pays on Fridays that usually fall on the opposite weeks as county #1’s paychecks), so I am lucky in that I get a deposit pretty much every week instead of every fortnight. But I’ve worked a lot of partial-day jobs instead of full-day ones this year, and since I split my time between two counties, often I’ll work half the day in one and the rest in the other. So while I’m nominally getting paid for two weeks of work, not all of the work was done in the county that’s paying me that week. Which, ultimately, results in lower paychecks.

Put into perspective numbers-wise: each week I get, from one of these two counties, a paycheck that is about $500 if I’m lucky. I won’t put exact numbers, of course, but my highest paycheck so far this school year was somewhere around $675. The lowest was around $150 because I had worked a lot in the other county that pay period. The problem with this is that the money I earn never has a chance to accumulate, because the instant it’s deposited into my account, I have to use it to pay something that’s coming up due. My rent, for instance, is roughly one whole good-week’s paycheck (good week= $500). My car insurance is half a paycheck. My student loan bills, combined at the normal rate, are about 2/3 a paycheck. My health insurance is half to 60% of a paycheck (and premiums are likely to go up this year). What little remains is barely enough to cover gas and a few groceries. I would estimate that I need to make $1000 more per month than I’m making now just to be not at risk of going broke every month.

(A couple days ago, I went back in my online bank details to see when the last time was that I had a bank balance that actually covered everything I needed it to and that I was comfortable with. It was July 19. That was over four months ago.)

So I’m at a difficult point, because there’s no wiggle room for anything else right now. I can afford a couple things, like Christmas gifts, if they’re small and I manage my money well—but big things are an impossibility. If I get sick and need something that insurance doesn’t cover, I’m screwed. My car is old and making a weird sound and I need to take it in, but depending on what (if anything) is wrong, the servicing could cost $150, or it could cost $1500. And if it’s the latter, I can’t afford it. That’s an entire month’s worth of money or more, which is already designated since I’m operating on a paycheck-to-paycheck basis. Even the $150 is almost a quarter of a good paycheck. I can’t just pay it and recoup the loss with the next deposit, because there’s no extra money in my paychecks to catch it back up.

This is, obviously, not exactly helping my mental health. I probably wake up at least once a week in the middle of the night, and when I try to get back to sleep, I end up thinking about this and being awake for two hours turning it over in my head. I’ve thought and thought about what I can do about it, and there’s no option that’s particularly good. I adamantly refuse to ask my family for help: my sister is currently in a single-income household while her husband is in nursing school and she herself is considering a career change, so even if they offered, I would feel too terrible about taking anything from them. And my mom has severe issues with anxiety—this is the woman who gets so worked up by what she sees on the news that she heard there had been one single mugging in Dupont Circle and asked my dad how they were going to get to church from now on since it would obviously be too dangerous to walk there from the Metro anymore. The woman who, when I blew out a tire five years ago on the highway, was convinced I should stop driving on highways entirely. I would probably send her into an early grave if I talked to her about my financial issues, and I know she herself struggled with finances when I was a kid, so I don’t want to make her go through that again.

I’ve thought about getting a second job. But most part-time jobs either won’t hire me because I’m under-qualified (or, in the case of many retail/entry-level jobs, vastly over-qualified), or don’t pay enough to make the extra hours of work worth it. For example, I’ve long thought about getting a second job as a shelving assistant at the library. But they pay $11.50/hour and are hiring for 10-19 hours a week. That would give me an extra paycheck every 2 weeks, at about the size of one of my weekly paychecks now. That’s not really enough financial benefit to balance out the amount of additional time and work I’d be expending. I’d essentially be sacrificing a large chunk of my free time and getting pennies in return.

I’ve also considered the fact that in light of this, I might need to take another long-term subbing job soon if one becomes available. The problem with that is that historically, my track record with long-term teaching has been spotty. With my depression being what it is, I honestly find working full 7.5-8 hours days really difficult (even with subbing—that’s actually why, even though the partial-day jobs have been financially bad for me, they’ve been mentally really good). I have a hard time with the consistency that long-term teaching placements require, and they exhaust me and take a toll on my mental health, which creates a feedback loop of difficulty. So it’s hard to apply for those jobs knowing that they’ll tank my mental stability, which will make it hard to do what I need to do to keep that job or, in the case of long-term subbing jobs that are by nature temporary, get a better one. I’ve also applied for other types of jobs—media assistant, school secretary—hoping that I’ll get one of those and it will work out better. But none of those jobs have called me back so far.

The long and short of it is that there’s no solution right now that will be as quick or as effective as I need it to be. Longer-term work, or even a career change, will take time to achieve and even more time for the increase in pay to kick in. Plus, it could involve going back to school if I want to get qualified for a position that would really improve things for me, and obviously with things as they are, I can’t afford to go back to school. And it’s hard, honestly, to think of the long-range options when I need a short-range solution. I have student loan debt and car repair expenses and monthly payments to make now. I can worry about the five-year plan when I actually have money left after I pay my bills each month. Until then, I’m taking it day by day and hoping for a miracle.

(FYI, I did put a paypal link in the sidebar of this blog when I was struggling financially a few years ago, and I kind of never took it down even when I was doing OK. It’s still there, if the spirit moves you.)

[thevideogamestudies-blog]

Brief History of MMORPGS: from 1997 to Present

“MMORPGS - massively multiplayer online role-playing game: any story-driven online video game in which a player, taking on the persona of a character in a virtual or fantasy world, interacts with a large number of other players,” (Dictionary.com). 

MMORPGs have been around since 1997 when Richard Garriott kickstarted the genre with Ultima Online (Messner). Ultima allowed you to be anything you wanted from a warrior, or a simple merchant if you desired to (Messner). Steven Messner explained the appeal of Ultima Online at the time,“What made Ultima Online so memorable was the way it inspired a sense of community. Without the luxuries of global chat, players had to interact with one another directly.” Ultima had already sold more than 65,000 copies in its first two months after release, making it the fastest-selling online-only game at the time (PCGamer) On top of that, Ultima was the fourth best-selling PC game in September 1997 resulting in EA calling Ultima Online the quickest selling PC game it had ever distributed and that “copies were literally flying off the shelves,” (PCGamer). 

Another big household name, EverQuest, was originally released in 1999. After its release, it quickly became the most popular MMO of the 1990s (Messner). Steven Messner described Everquest, “If Ultima Online started the genre, Everquest refined it. Featuring 16 different races and classes, it digs deep into fantasy’s roots to let players be anything from frog necromancers to ogre shamans. Many of Everquest’s ideas, like grouping with dozens of players to kill tough raid bosses, would become archetypes of the genre.” My dad also played a lot of hours of EverQuest from its release until I was about one or two. I asked him why he loved the game so much and he responded, “It had a social aspect and was very good at keeping you interested, like magic items to hunt for. It was the first game like that to get the formula right, it was so addictive we called it Evercrack.” Brazil banned sales of the game in 2008, saying the game promoted "the subversion of public order, were an attack against the democratic state and the law and against public security" (McWhertor). 

Unlike the previously mentioned, World Of Warcraft (WOW) is still a widely popular MMORPG - even after 15 years. In 2014, Blizzard announced WOW had reached over 100 million lifetime accounts (Sarkar). According to SuperData Research, WOW made over $161 million in August of last year after the release of its new expansion. “Warcraft’s absurd success transformed the genre and steered it away from innovation towards shameless imitation in hopes of recreating that success,” explained Steven Messner, “World of Warcraft made the genre accessible to anyone by eliminating much of the tedium of older MMOs. For the first time, players could log in, quickly run a dungeon or two, and feel like they accomplished something. While World of Warcraft is so palatable even your grandparents could enjoy it, the water wings it places on every player also removes a sense of tension and adventure captured by older MMOs.” 

In 2014, creators of the popular RPG The Elder Scrolls V: Skyrim created their own MMO, Elder Scrolls Online (ESO), revolving around the Elder Scrolls universe. After its first release, ESO received mixed reviews. “This is an MMORPG of moderate scope with a few good ideas...I'd advise caution. There's no game that I'd be happy recommending on the basis that it's at best 'okay' for thirty-plus hours. 'Okay' isn't good enough when you're facing down this much of a premium, and I can't imagine paying a monthly fee to visit somewhere I've been many times before,” explained PCGamer in their 2014 review. ESO’s developer Zenimax listened to the complaints and released updates and removed the monthly subscription. In 2015, Zenimax re-released and renamed the game from The Elder Scrolls Online to The Elder Scrolls Online: Tamriel Unlimited and released the game on consoles as well (Nunneley). Making it the only MMO on this list available on multiple platforms. Steven Messner described ESO after its rebranding as, “The Elder Scrolls Online has become one of the most robust MMOs available. It features a PVP mode similar to Guild Wars 2, a storyline that expands the best parts of The Elder Scrolls’ lore, and the freedom to ignore all of it just to go off and explore. It took a while, but with Morrowind in tow, The Elder Scrolls Online finally feels close to the MMO that Skyrim players had wanted.”

Works Cited 

PC Gamer News, web.archive.org/web/19980218070412/http://www.pcgamer.com/news/news-1997-11-10. html. 

McWhertor, Michael. “Brazilian Government Bans Counter-Strike, EverQuest, Fun.” Kotaku Australia, Kotaku Australia, 19 Jan. 2008, www.kotaku.com.au/2008/01/brazilian_government_bans_counterstrike_everquest_fun-2/. 

Messner, Steven. “A Brief History of MMO Games.” Pcgamer, PC Gamer, 28 July 2017, www.pcgamer.com/a-brief-history-of-mmo-games/. 

“Mmorpg.” Dictionary.com, Dictionary.com, www.dictionary.com/browse/mmorpg. 

Nunneley, Stephany. “The Elder Scrolls Online Drops Subs, Console Release Date Announced.” VG247, VG247, 21 Jan. 2015, www.vg247.com/2015/01/21/elder-scrolls-online-no-subs-ps4-pc-xbox-one/. 

Sarkar, Samit. “Blizzard Reaches 100M Lifetime World of Warcraft Accounts.” Polygon, Polygon, 28 Jan. 2014, www.polygon.com/2014/1/28/5354856/world-of-warcraft-100m-accounts-lifetime. 

“Worldwide Digital Games Market: August 2018.” SuperData Research Games Data and Market Research Worldwide Digital Games Market August 2018 Comments, web.archive.org/web/20181001062955/www.superdataresearch.com/us-digital-games-mar ket/.

[idontgetthislifething]

Baby Clothes For Your Baby Shower Present

Simply follow our web link, examine the Free Mum & & Baby Sample Loads inc Pampers & & Fairy Non-Bio choice as well as after that fill up the type with your information to obtain these products for cost-free. You can fill a basket with clothing as well as playthings themed around a solitary shade-- blue and purple is finest for children, while pink and yellow goes finest for ladies. Why spend for something that you can get completely free? A few other terrific solutions are a baby diaper solution for fabric diapering moms, and even a baby diaper delivery service for disposables, and pay for the initial 2 weeks or a month worth of diapering items. Infant garments must be of premium quality, due to the fact that you can not afford your pleasant youngster invest his or her initial days and years of life in discomfort. No matter what you did when you were not expectant, you need to recognize that you are now accountable for that new life expanding within you and also because of this, you can no more tackle working as typical. Locate your passions in life. You can discover some charming dresses, skirts, pants, and also tee shirts for the youngster. Our option includes onesies, sleeping dress, bodysuits, gowns, and also layette sets. The offered rewards do transform every now and then, yet there constantly seem to be a great choice of rewards to select from. This is great since you can truly see if you like the product. If you established a great internet site on line, just how much can you anticipate it to make? Playing games - this can consist of application games, or desktop computer games. One means we can do that is with child shower video games. As soon as you join you can go into codes from the Pampers diapers as well as wipes that you acquisition. Fortunately is, Ad Conscious tracks these computer system leeches as well as wipes them cleanse off your hard disk drive. This is one area where pre-owned things may not be an excellent choice-- if they've been washed improperly they're no more efficient. Earn money to (GPT) web site, or rewards internet sites, as they're occasionally called, pay you for finishing little tasks. What's excellent regarding these GPT or benefits websites is that the tasks you complete a really easy. Make the most of this excellent free deal if you are honored with doubles or more. So, in order to maximize this extraordinary feeling, if you are preparing an outing with your child, then below are a couple of ideas on what to take infant getaway. Baby Shower Themes The first and also most challenging point to do when planning a baby shower is to choose on a motif. Now if you're preparing to buy infant garments as your gift for a brand-new mom, here is the guide to aid you come up with the right piece. For those who are searching for the ultimate infant jogging strollers, then they have to try to find one that have distinctive piece. Here you'll locate infant and also youngsters's garments, footwear, playthings, strollers, safety seat, maternal clothes, devices as well as more for children 0-10 years.

free baby stuff expecting mother

At The Child Cubby, you can locate a big range of child products, such as strollers, baby diaper bags, things for the nursery, like bedding as well as bed mattress, as well as garments. You can locate everything from bibs to pacifiers and anything else that a baby could potentially need. 75 that you can utilize to break out baby stuff! Often times when I have browsed the rewards catalog to retrieve several of my factors, I have had the ability to break out Pampers diapers with my factors. As well as, with this program, you can gain points each time you purchase the company's products. You can also consider using a wardrobe organizer to make full use of the space. These are really helpful and don't take up much traveling bag area. You do not think theyll read our e-mail, do you? We have a testimonial of the Target REDcard, so make certain that you read it to read more. Review Kaveri child fairness oil evaluates from internet and see just how the oil works as well as at what price it is offered on the market. In addition, they can make use of these data in discovering what the market once. There is additionally natural toothpaste in the marketplace that you can buy. Handily sufficient, on this web site, you can break out printable infant publication web pages. On this website, you can find NFL, MBA and also NCAA themed baby things. When I had my doubles, I was enjoyed find a pair of methods to make use of free offers to secure free Pampers as well as various other free baby items. And also if you desire extra fantastic baby garments patterns that are absolutely complimentary ... take a top at our Free Infant Onesies message. I assemble this checklist of free child garments patterns for an expectant friend. When you placed the clothes on for the infant, see to it that it is clean or if you have actually disinfected cleansers you can dab some of it on the infant clothing before you clothe the child with them. Keep to the rule, get your baby clothes with convenience as well as practicality in mind and maintain the cute outfit for unique events. Be alerted, the payment you obtain will probably be quite small, so maintain that in mind before making a decision if it deserves the effort. First off, if you have an infant or you will provide, the concern of child nappies must cross your mind. To deal with the protein portion of the stain, you need to initially advancement the fats with surfactants that are commonly found in discolor remover pre-treat sprays. There are likewise a variety of circumstances you can located where moms and dads prefer to get Baby Garments after confirming the price. I lately located an absolutely attractive website called See Kate Sew. Explore our site to figure out if we carry child garments including your preferred group's shades! You can have your coupons from the online site of the baby diaper company which will permit you to obtain complimentary diapers along with various other infant items including present cards, books as well as a whole lot a lot more. I can opt-out at any type of time.

Bath time is a vital component of the day for babies, so it's a great concept to have the essentials for this area also before you bring your little one house. Also you can have proper as well as free standards. Although baby obtaining blankets as well as swaddlers are vital for those very first valuable moments with your baby, they can have lots of various other usages also. New infants are fantastic, yet it is a little bit shocking occasionally just how much those diapers actually cost the initial year. Just be sure to wash every little thing first. Place a tiny dab of baby shampoo on his head and wash his head with your hand or a tiny clean towel. Breezes and zippers in the front are simpler to place on and remove than those on the back. Snaps or various other easy openings at the crotch make it quicker and much easier to change diapers-- you do not have to remove all of your infant's clothing. If you've been blessed with twins or more, you can capitalize on the Several Birth Offer from Pampers to get cost-free diapers. You can after that make use of the Target present cards on a different day to break out baby diapers or various other free baby stuff that you may require. Babies Online combs the net everyday to discover you the finest totally free child things available. Shoes which contain heads and bones are all offered from the Net and also will surely obtain the interest of a great deal of people. Did you know that a great deal of brand names put price cut codes or bargains on their product packaging? Look at the packaging for baby diapers, formula, as well as anything else you purchase for your infant. She might surely utilize it and also can value it a lot more if you purchase it for them. Once you've signed up with, you can visit to your member account as well as download your gift pack coupon. If you've just invited a child, or recognize someone that has, this FREE 22 pack of Pampers nappies will certainly come in convenient. Plus we have a lot of posts to assist you via parenting your Baby - as well as if you have actually not delivered yet, we have actually got a growing number of Maternity posts. ... but are new to embroidery, you will simply love this FREE newbie's course on Craftsy, which will actually aid you get to grasps with your embroidery device. Which can make it appear a complete wild-goose chase to drag the stitching device out and also begin sewing stuff. Speaking with your medical professional at the doctor's office can be a great way to get some complimentary examples, especially formula or vitamins, for example. Whether it's formula or diapers, right here are a couple of others points that you can do to break out stuff for your infant. You can enroll in this program at the shop and afterwards have your card checked each time you buy Pampers. The arrival of a newborn is among the most extremely prepared for gifts in life, and Kelli's Gift Store Distributors will certainly make certain you are prepared with the ideal baby blanket wholesale options for your gift store or store.

Shop wholesale child clothing for infants, preemies, and also more. Kelli's Present Shop Vendors has one of the most effective ranges of wholesale child blankets including fleece coverings, swaddle blankets, getting blankets, quilts, as well as much more. We approve wholesale orders via our manufacturer wholesale internet site My Infant Rocks. But, it's not the only site that supplies a signup reward. However, it's not the only way. And while it wasnt the neatest means to maintain their playthings, it was certainly among the most convenient. Seriously, go as well as have a look, they are absolutely gorgeous, each one of them. There's six lovely, easy to make onesie patterns, every one of them absolutely complimentary! When you secure free samples of baby formula, you order them. Medical professionals normally have cost-free child things accessible which are distributed as samples to people. If you send out in copies of the birth certifications, Pampers will certainly send you some totally free baby diapers! By reading reviews, you will certainly obtain a concept of the working of this oil and also the way it acts on a baby's body. The oil contain no toxic components as well as it is health and wellness giving. We also know that consuming way too much fat brings about health issue as well as weight-gain, but we do require some healthy and balanced fats in our diet. Eat your very own reduced fat nibbles. As explained before, consuming fats is the major wrongdoer that leads to fat getting on the human body mostly due to the fact that fats are high in calories. Weve typically located dots that assert to be "Historic Ft " or "Region Spots " that have ended up being absolutely nothing greater than a bronze plaque on a rock at the end of a property road. Ive seen it less than that, but when the ovary begins twisting itself just envision a tube with a large sphere on completion and also by motion or whatever this tube obtains turned as well as turned. Having stated that, I enjoyed my carrycot and also wouldn't have actually been without it. There's even a Chrome expansion offered that webs you discounts without you also needing to visit the Ebates site. Or, you can check out the Craigslist website, select your city and after that click the "complimentary" area if there's one there. Yet, these aren't the only methods that you can obtain your hands on free offers. If the chemicals aren't well-bound to the fabric, they can enter your infant's body extra easily. So there you are, aren't they simply baby garments to swoon over! Any kind of adult that has suffered from tummy issues, oral job or basic interest and has actually consumed a jar of infant food can inform you its no enigma why kids fling that things throughout the cooking area. Pampers wipes promo codes are really a source to obtain discount rates over pamper wipes. You can go into sweepstakes to win totally free baby diapers as well as wipes for a whole year. She can make use of the products as well as at the very same time a great display throughout the party. At the exact same time the buttons and also various other aspects in the style need to be carefully stitched.

And also, what's fantastic concerning these pacifiers is that you can develop your very own custom style! You can also get registrations to child magazines totally free and after that when you obtain them, they might have discount coupons or special deals in them to save you much more cash. Nonetheless, their products can be actually useful particularly if you intend to be able to conserve even more cash. So now you can see that utilized baby clothes ought to rate. Now you can begin adding designs to the baby diaper cake. If you are holding an event for your baby of little youngster, you can discover celebration bundles for printing. In the shop or on their official internet site, you can find a big variety of products, like toys, furnishings, publications, garments as well as pacifiers. Factors that can be redeemed for present cards - so you can use these gift cards to break out child things. Factors gather quickly when you are getting baby diapers each week. AND ALSO NOBODY IS ACQUIRING FROM YOU. You may try viewing on the internet to see if there is one near where you live. Net promotes you centers of promo codes in the type of websites, communities and also discussion forums. There are many areas where you can discover punk garments but one of the most typical place to discover these items is the Internet. Another great area to locate complimentary things gets on Facebook. Make sure the brushes are of good top quality that the bristles won't drop off inside the container. The textile is soft as well as excellent top quality like any one of the Carters clothing. Like all various other things including feeder, cloths, spoils, bed, nursery, this is likewise an essential ingredient to keep your child off from the clutches of serious physical difficulties. Now, if we can only identify exactly how to keep infant from growing out their clothes so quick! Children outgrow clothes so swiftly! There is constantly something brand-new to discover babies and also that includes child crib mattresses. There are lots of accounts and also teams on there that are committed to complimentary stuff for children. It's OKAY to shop in previously owned shops or high-grade consignment look for most things for babies. Shop our dresses, sleepwear, bottoms, apparel collections and even more for your cuties! From charming infant gowns, infant grows, coats and cardigans search our deluxe collection inspired by the famous Diana pastel tartan. Whether you are buying child woman clothing or infant young boy clothing, The Diana Collection offers a series of designs that are ideal for every celebration, from playtime and also events! No issue the occasion, our child and also young child clothes are created as well as styled to make your kids the comfiest and also prettiest. Yet infant store apparel really does make a terrific baby shower gift. Make certain to acquire big sized apparel so you can be assured your child can still utilize them in the months to find. A really tiny mistake from your end can be very harmful for your infant. The free stuff does not end there. Get totally free monthly image indication printables from Pea to Pumpkin. Case by clicking 'GET FREEBIE' and following the guidelines to register to the Emma's Diary mum and baby club.

[filmsdulosange]

Baby Clothing For Your Baby Shower Gift

Just follow our link, examine the Free Mum & & Child Sample Loads inc Pampers & & Fairy Non-Bio alternative and afterwards fill the type with your details to obtain these items free of cost. You can load a basket with clothing and playthings themed around a solitary color-- blue as well as purple is ideal for boys, while pink and also yellow goes best for ladies. Why spend for something that you can get free of cost? Some various other wonderful solutions are a baby diaper solution for cloth diapering moms, or perhaps a baby diaper distribution service for disposables, and also spend for the very first two weeks or a month well worth of diapering items. Infant clothing need to be of premium quality, due to the fact that you can not afford your sweet youngster spend his/her initial days and also years of life in discomfort. No matter what you did when you were not expectant, you need to recognize that you are now in charge of that brand-new life growing inside of you and as such, you can no longer deal with operating customarily. Locate your passions in life. You can find some charming gowns, skirts, trousers, as well as t shirts for the kid. Our selection consists of onesies, resting dress, bodysuits, outfits, as well as layette collections. The offered incentives do change once in a while, yet there always seem to be a nice selection of benefits to select from. This is good because you can truly see if you like the product. If you established a good internet site on line, just how much can you anticipate it to make? Playing games - this can consist of app video games, or desktop computer video games. One way we can do that is with baby shower video games. When you join you can go into codes from the Pampers baby diapers and wipes that you purchase. Fortunately is, Advertisement Conscious tracks these computer leeches as well as cleans them clean off your difficult drive. This is one location where used things might not be a great option-- if they have actually been cleaned inaccurately they're no longer effective. Earn money to (GPT) site, or incentives web sites, as they're sometimes called, pay you for completing tiny jobs. What's wonderful regarding these GPT or rewards web sites is that the tasks you complete an actually very easy. Make the most of this excellent totally free offer if you are blessed with doubles or more. So, in order to make the many of this unbelievable sensation, if you are preparing an outing with your little one, then right here are a few pointers on what to take baby outing. Baby Shower Themes The very first and most challenging point to do when preparing a child shower is to choose a style. Currently if you're intending to get baby clothes as your gift for a brand-new mommy, below is the guide to help you think of the best item. For those who are looking for the best infant running baby strollers, then they have to try to find one that have one of a kind piece. Here you'll discover baby and youngsters's clothing, shoes, playthings, infant strollers, child seat, maternity clothes, accessories and more for children 0-10 years.

free baby stuff expecting mother

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[newstfionline]

This NASA analyst left a $200,000 job to sell cigars

By Thomas Heath, Washington Post, July 7, 2017

When I think of cigars, I think of endless tobacco fields and warehouses where the leaves dry. I think of open-air factories where dozens of “rollers” hand-make the cigars under the soft rotation of overhead fans while “lectors”--readers--help workers pass the time by reading aloud from newspapers and books.

I think of wood-paneled, clubby tobacco shops, lined with glass cases full of boxes packed with stogies. I think of walk-in humidors rich with the aroma of tobacco.

Omar de Frias has none of that. What he does have is a successful cigar brand. His Springfield, Va.-based Fratello Cigars is on track this year to sell $2 million worth from Chicago to Amsterdam. That comes to almost 250,000 smokes and around $1 million in gross revenue.

The former NASA project analyst walked away from a $200,000 (benefits included) job last fall to pursue an enterprise whose biggest assets are his smarts and persistence.

“I liked the culture,” said de Frias, who was drawn to the tobacco business’s nostalgic vibe.

The 38-year-old businessman grew up next to a tobacco store in Santo Domingo, in the Dominican Republic, where he was enthralled by the swaggering cigar smokers in their big cars and wavy brimmed hats. “I have been smoking cigars for 20 years and have always been fascinated by the industry,” he said. “I liked how I would see my grandfather smoking a cigar. It was such a fine thing to do. It seemed classy.”

De Frias may be drawn by the romance, but his unsentimental approach to business is all about the bottom line.

“I am a driven guy,” said the 6-foot-9 former professional basketball player, who was on his way to his umpteenth cigar show when we chatted last week. “Work ethic is everything. It drives our products, business practices and customer relations. I just wish there were more hours in a day.”

The three-employee business--which includes his office manager wife, Ivonne--is run out of his head, out of his home and out of a small Springfield warehouse where he stores his three lines of Nicaraguan- and Dominican-made premium cigars. They fetch between $8 and $10 each.

There’s no secret to what is going on here. Just persistence. Hustle. Endless travel to cigar shows and Central American factories. Weekends on the road, cold-calling tobacco retail shops. The same drudgery that drives most small businesses. The same thing that took him from a $41,000-a-year NASA salary to several times that by the time he left.

“The harder and smarter I would work at NASA, the more notice I would receive from senior management,” he said. “The harder I work at selling my cigars, the greater profit I generate. It’s that simple. I get up in the morning trying to outsmart and outwork everybody else.”

Like most things retail, it’s a tricky business. The key is keeping manufacturing costs low. The cost of making a cigar can range from 30 cents using low-quality tobacco to $5 with the best wrapper and superior rollers, the highly skilled people who hand-make them.

Cigars are like wine. It’s all about age, quality, richness, alchemy. Those all go into the profit margin on each cigar, which de Frias declined to detail. The outside wrapper on each cigar is a key ingredient--and the most expensive--because it is what the customer sees.

Also like wine, tobacco is subject to the unpredictable nature of dealing with an agriculture product whose supply and demand have rocked his bottom line. Over the past five years, he said, tobacco prices have increased over 20 percent, eating into his profit.

Like most things sold at retail stores, the markup on cigars can run 75 to 100 percent. So a cigar that a consumer buys for $10 at a store is double the price the store paid the manufacturer.

Fratello, which is Italian for “brother,” sells three brands of cigars, from mild to full-bodied: Fratello Body Habano, Fratello Bianco, Fratello Oro. Later this year, he’ll introduce the Fratello Navetta.

De Frias was born in Puerto Rico and grew up in the Dominican Republic, where his father, now 69, is an electrical engineer.

“I grew up seeing my dad work 12- to 14-hour days and telling me that the result of your work is only as good as your efforts,” he said.

He earned degrees in business management from a joint program shared by a Dominican Republic university and the Rochester Institute of Technology in 2002. He later earned a master’s in finance from the University of Puerto Rico at Mayaguez in 2004.

De Frias was hired by NASA in 2004 and moved to the Washington area. He cultivated mentors who helped him prosper in the NASA bureaucracy.

Ten years later, he had advanced as far as he could and began looking for his next challenge.

A friend forwarded him a speech by Apple founder Steve Jobs: “The only way to do great work is to love what you do.”

With encouragement from his wife, de Frias explored cigars as a business, reading about the industry and visiting factories in Nicaragua, Honduras and the Dominican Republic.

As he put it: “I wanted to identify the structure of the industry and where I would fit. Retail? Manufacturing? Branding? Management?”

He decided on an asset-light approach of creating a brand, which would allow him to keep the security of his job at NASA while pursuing his project and keeping costs low.

“I needed to be cognizant of the risk,” de Frias said.

He borrowed $50,000 from his federal Thrift Savings Plan, the civil service version of the 401(k), and pulled twice that from savings to cover start-up costs. He invested more than $5,000 in branding and upfront marketing costs related to his band. It angles around the cigar, making the brand recognizable and unique.

Developing the cigar blend and profile was more complicated. He scoured Central America for the right partners, making presentations to factory owners, meeting industry experts and delivering his business plan. He was searching for a medium-body cigar using tobaccos from various countries to differentiate himself from the competition.

He settled on Joya de Nicaragua in Esteli. It’s the oldest cigar factory in Nicaragua.

Once he had his cigar recipe, he zeroed in on finding a manufacturer. It roughly goes like this: “If you are interested in creating your own brand in the USA, you can go research which cigar factories in Nicaragua and the Dominican Republic could work with you to develop your ideal blend. They will take the recipe, put a band on it, box it and deliver it to you.”

In July 2013, he took a chunk of his initial production of 50,000 cigars to the International Premium Cigar and Pipe Retailers trade show in Las Vegas, where he rented a booth for more than $10,000.

The show was a tipping point. De Frias caught the attention of three high-profile retailers: Draper’s in the District, Old Virginia Tobacco with its seven stores across Virginia, and Nat Sherman, the cigar smokers’ mecca off Fifth Avenue in New York City.

His brand took off. Within 18 months, de Frias had repaid his loan from his retirement account and had broken even from his initial investment. In the three-plus years since, he has worked 90-hour weeks growing his cigar business into a profitable enterprise that earns him and his wife comfortable incomes.

Comfortable enough that he was able to quit his government job in October. He’s now a full-time cigar mogul--which pays more than those rocket scientists at NASA.