#might do writing ones if thats a thing i can sell/figure out how to price

[payasita]

sup

so! i semi-recently moved out of a uhhhh rather not great living situation, yay

i will not get into specifics but uh, that place and its leasing office are haunting me to the tune of a Lot Of Money because of some loose ends. i’m gonna be fine for a lil while but im very much unemployed and have student loans coming up, so yknow

so, im doing commissions now! prices are approximated out by how long these things take me to do! dm me if you see an option you like, or almost like and wanna tweak, ect ect. happy to draw ocs and all that!

i’ve also got a ko-fi. if you wanna help out a bit regardless! if not, rbs are well appreciated on their own.

thanks!

#commissions #boost #art #might do writing ones if thats a thing i can sell/figure out how to price #wow ive really overwelmingly just drawn hollow knight stuff this year huh #bugs are fun #queuing this for the morning bc a lil embarassed ngl #we sure do live in a society

[not-so-innocent-bi-sander]

Okay so, I said a little while back that i’d write up a thing about everything thats been going on with me and alright here we go.  I’ve been pretty MIA since.. I mean, this whole year so far. So let’s get into... That. - preface, nothing awful, just stress and me kind of just letting it all out.

Okay so. I’d been wanting to move out my place for a while, and we started looking into looking for somewhere starting back in January. We’re in Southern California - San Diego area, which is.. Expensive. We basically live at the beach in a really nice beach city. So looking for a new place was just disheartening. Everything is absolutely crazy expensive and super tiny for the price. I ended up having a whole break down and some amazing friends talked me through it.. And they put the idea of leaving the state in my head. I would have never in my life considered leaving California, i’ve literally never lived farther than an hour from the hospital where I was born. But.. The more I thought about it and talked to my husband.. The more sense it made.  - My family is sucky, theyre the main suck on my mental health. I work for my grandparents and one of my uncles, theyre the angriest loudest most conservative least trusting... I need to get out of there. I don’t have any friends anywhere near me, i’m by myself all the time.. It just made sense to get out of here. So we started looking for a place we could move to. To summarize that whole process, we eventually landed on North Carolina, because my husband could keep his job, theres a nearby office for the company he works for out there. And I’ve been to Charlotte before, I really liked it there. So now we’re looking in NC. We got a realtor - who I adore by the way, he’s a gorgeous gay man with an adorable husband, we’re all friends now, we’re gonna have game nights - and started looking for houses. In the meantime of all that, we start figuring out how to sell our place. We already had a realtor through family, the one who helped us get our condo in the first place. So he’s giving us dates and times to have things done.. and suddenly we have to pack up our whole place in a couple weeks and that was some of the most stressful time of my life. We had to get it cleaned and fixed up and packed and figure out where our things were gonna go and.. we get that all worked out in the end. Storage unit, get the place up for sale, i had to pay to ship a bunch of my mom’s stuff to her -that she was storing at my house against my will.. The plan is to stay at my in laws house in the mean time. (Which i do not want to do but we dont have any other options) So we get out of our place and immediately fly out to NC for four days (That was a bad plan, the day we had to be out of our place we were also getting on a plane so that was really stressful), we looked at so many places.. Didn’t find anything. So we had to come back, figure out a few more things, stay at my in laws in the mean time.  - my in laws house is not a good place for me. My mother in law’s favorite child happens to be my husband, and i’m the one who’s “taking him away.” And now she sees me every day. She makes snide comments, always kind of tries to plant seeds of ‘maybe you shouldn’t go,’ rants at me about weird shit.. My father in law smokes like a chimney, and the house smells bad. He smokes outside but also in the only bathroom downstairs and i’m pretty sure also in their room upstairs. None of them can smell it anymore but I literally had a migraine every day for the first several days of being there because of the smell. I bought an essential oil diffuser thing, just to get good smell into the air, and i bought a pendant that you can put a few drops in to just have a little ‘smell shield’ around myself. My husband bought a big ass air purifier and it is the best thing that has happened to me. But its in one room - thankfully it’s at least like a second living room upstairs. So i hide from everyone in my one room i can comfortably exist in, just waiting to get out of here. - of course when we got home with the air purifier my mother in law was like *gasp* but he only smokes in the bathroom! And they just have no idea that is has permeated their whole house since he’s been doing this for two decades now. They have lectured me more than once about weird shit, and incorrect shit at that. Only when my husband leaves the room, i’m sure that’s *coincidental.* They give me a hard time for things that don’t apply to me? Like being picky about vegetables - which i’m not, i eat basically all vegetables, it’s their son thats picky. They’ve more than once made food that i can’t eat. Like ‘if i eat this i will go to the ER’ can’t eat. Or they’ll Eat before I get home. My husband won’t, but theyll just not care to wait for me. And it just.. sucks. It hurts. we sell the condo. It’s our’s, but the way that it works is that my grandparents bought it and we were paying our ‘mortgage’ to them, but they told me they’d be putting it into my name. They didn’t, for four years. And now that it’s sold, technically it’s their’s. So they are supposed to give us the money from the sale, but my grandfather is dragging his feet a bit and... I need that money, dude. I have a lot of things I need to fix and I need that money to do it.  we stay here at my in laws for a couple weeks and then fly back out to NC to look again, but for a week this time. I also sprained my knee right before we had to leave, so I got to do a lot of fun stuff in a knee brace. But we actually found a house that we love. I was worried we might not get it, but we did! We got a house! We’re gonna move. - assuming that the money thing and all that shit works out, which lets not think about that. 

In the mean time, my arm is super jacked up, it’s numb all the time, I have a weird thing with one of my fingers.. And they want me to have surgery on it, but i’m not sure if it’s going to happen with me moving so soon. So.. we’ll see what happens with that, I guess. my work is still hell, but i’ve figured out when i’m done - my last day will be the 23rd, and everything works out then the house will be our’s officially on the 27th. So working all that out.. trying to figure out the logistics of when i’ll be out there, moving everything in, anything about the house that needs doing before we move in.. I’m just stressed and tired. But we’re close. We’re gonna get out of here and I think things will get better. I think we’re on the verge of.. Good.  Also i’ve been doing beads, i picked up finger knitting a little bit, and i’ve been overhauling my Animal Crossing island.. I haven’t been able to get to writing, just too much stress. But I have been coming up with concepts and ideas.. I want to write, i’m still going to be writing, i’m not done. I just.. Dude i’m exhausted and i’m trying my best out here. 

#Jordan said a thing

[gluestickcherrybum]

Happy Earth Day peeps! ヾ(@°▽°@)ノ

I haven’t written in a while but I wanted to write something for this occasion, and more posts about environmentalism since its something i’m quite passionate about. Coronavirus is pretty much all anyone’s talking about lately. And as a result , our entire way of living has been adjusted due to the outbreak: Staying indoors, washing our hands, and social distancing has become the new normal.

But just because we’re experiencing difficult times doesn’t mean we should lose sight of the bigger picture which is caring for the earth. 

Thinking about sustainability is even more important now because it connects us to the world at a time we’re told to quarantine ourselves. We’re told now more than ever to purchase single-use hand sanitizers, face masks, gloves, and other products. 

Unfortunately, these items will likely end up in landfills, or worse - the environment. Already, face masks are polluting the shores of Hong Kong. Also, people fear reusable items like never before - some businesses flat out refusing reusable mugs, containers and produce bags. While I understand we want to stay healthy, and prevent the spread of the virus, we should still make a conscious effort to think about how our decisions effect the Earth too. So, with this in mind, here’s how to stay zero waste during the coronavirus outbreak.

Why should we care about zero waste right now?

Sustainability probably isn’t on the forefront of anyone’s mind right now, but that doesn’t mean we shouldn’t still care or talk about it. As I mentioned earlier, thinking about sustainability helps us connect to the world in a time we’re told to bunker down and stay inside. It helps us appreciate things and maybe view the world a little differently. And, as scary and disheartening as all of this is - there is some good news too.

For example, there have been several reports of clearer waters in Venice where fish are now visible. Air pollution has dropped significantly in Italy due to the fact that fewer fossil fuels are being burned from people staying indoors. Even New York, Los Angels, Chicago, Seattle and Atlanta have reported significant drops in air pollution.

I’m well aware these positive changes come at a cost - so they’re bittersweet, at most. However, they can’t be ignored. It would be fantastic if, after the emergency is over, we could remember the beauty we’ve seen reappear in the world and do our best to preserve it.

There’s of course negative news as well, single-use items are being disposed on the daily and ending up littering up our community. Worst part is, these gloves and masks are not biodegradable or good for the environment - they’re made with petroleum. They’re also a health hazard because you can’t exactly pick these items up without worrying you’ll catch something.

That’s why it’s so important to think about sustainability right now. And zero waste does figure into all of that. By remaining zero waste during this time, we’re acting on our commitment to bettering the planet as a whole. 

How can I stay zero waste during the coronavirus outbreak?

Thankfully, there are several ways to make an impact during this time. All hope is far from lost.

Make the most of your food by reducing food waste

In this hard time, the food we eat should be cherished. With so many people struggling to put meals on the table due to job loss, we need to make our food last us. One way we can do this is by cooking with leftovers. For example, if you have some leftover rice and vegetables - make fried rice. Or turn boiled potatoes into mash.You can also get creative and make vegetable stock out of food scraps, turn mushy berries into jam, pickle some fruit. Or getting into some good old composting.

Invest in reusable masks and gloves

During this time, you’ll likely see a ton of people walking around with face masks and gloves on. Most of them are single use too. As I mentioned earlier, lots of face masks and gloves are being littered right now. 

It’s bad enough these items are single use only, they should be disposed of properly. Face masks have already started to wash up on the shores of Hong Kong in addition to other ocean polluters. Yikes.

Cloth masks havent been proven to be as efficient as clinical face masks in filtering the air, but for those who are sick and would like to prevent infection to others, the cotton does aid in catching water droplets from coughing and such. Just make sure to wash them regularly.

Instead of plastic gloves, consider using those reusable rubber gloves that people use to wash dishes sometimes. You can wash them with soap or even boil them to disinfect.

Decluttering

If you haven’t yet read Marie Kondo’s book “The Life Changing Magic of Tidying Up”, now’s a good time to get inspired. Time to go through all of your items and find the items that truly “spark joy” and be rid of the rest. Unfortunately during this time, you can’t exactly donate items to thrift shops. More than likely, thrift shops will be closed. However, you can at least set items aside to be donated once all of this is over. If you’re not comfortable waiting that long, you can always try selling it online like on Depop or Carousel.

That said, don’t be afraid to throw certain things out. I know that may seem kind of counterproductive, as I’m advising you to stay zero waste during this crisis.However, I’m fully aware there are some items we hold onto as zero wasters because we hope to keep them out of the landfill as long as possible. Items that are hard to recycle, or we don’t know how to recycle; items we believe we can fix but never get around to fixing; items simply destined for landfill one way or the other.

I know it hurts to let these items go, but you have to. It’s good for your mental health, and for the sake of your home. Remember: There is no such thing as being fully zero waste. We can get very close, but the truth is, our economy is a linear one. And every living creature creates waste of some sort. Now, this doesn’t mean I want you throwing out perfectly good items. Try to find items homes first! See if your friends or family want items you don’t first. Then, if not, seek to donate or sell. But obviously things like clothing tags and junk mail must go.

Invest in reusable period products

At this moment of crisis, with everyone panic buying basic necessities, menstrual pads and tampons are starting to get scarce so much so, you might have a hard time finding those items these days . This might be a good time to try out some sustainable alternatives. Women spend an enormous price in period products throughout their lifetime, so investing in reusables not only keeps a phenomenal amount of waste from landfills, but also saves the time going to the store and a whole lot of money.

Personally i use a menstrual cup (which i might write a whole post about it later), but for the less adventurous there are a good few other choices like reusable cloth pads and period panties (which sounded like a miracle when i first heard about them, but i haven’t seemed to be able to find any sold locally for now)

Heck, invest in reusable anything…

Its not just pads and tampons with reusable counterparts, if you want to get a little advanced in zero waste, try swapping out any disposable items possible, like stainless steel safety razors for plastic ones (ask your granddad), the infamous metal straw for plastic straws, or even things as simple as bar soap for bottled body soap.

Shop for food without the waste

During this time, please only stock up on what you need. You don’t have to hoard food - there’s plenty to go around. There’s more than enough food for everyone. Just take what you need and leave some for others.

To continue shopping sustainably, you can bring your own reusable shopping bags or produce bags (or you can diy some from old pillow cases)

I understand not everyone will be able to shop in bulk during this time for dry goods. So, you should shop as if you have no bulk food options. This means opting for items packaged in paper, cardboard, glass and aluminum.

If you must get something packaged in plastic, get the biggest container you can afford. Smaller plastics especially cling film are harder to or even impossible to recycle. Less than 9% of plastic is actually recycled so the less we consume, the less will likely end up in the landfill or oceans.

And thats all for today’s post, im sorry if its posted a bit later on Earth day than expected. I hope everyone is safe and healthy during these hard times. And if youre a student, i hope the online classes arent as bad as people say (im conveniently on a special leave of absence this semester (see my last post) so i have no idea how its going down) and if youre interested in more tips and tricks in being zero waste, feel free to hit me up and maybe ill write more posts like these. Thanks for reading ヽ(*・ω・)ﾉ

#zero waste #zero waste lifestyle #gluestickcherrybum #studyblr #earth day #happy earth day #quarantine #coronavirus #covid-19 #outbreak #environmentalism

[zanesgirlfriend]

Will You Marry Me? | Jeff Wittek

Description: Jeff buys engagement ring w money from selling Josh's hair but only kinda???

Requested?: No, I had an original thought for once!! Shocking!!

_____

"How much am I supposed to spend on a ring?" Jeff asked Todd as they got started on their hike.

"I don't know, I've never bought one before." Todd pointed out with a chuckle in his throat.

"I'm serious, dude. Like, I know she doesn't want somethin' thats crazy fancy, but I still wanna give her somethin' special, ya know?" Jeff unlocks his phone and starts to look up engagement rings.

"Why don't you just buy a ring with the money you get from Josh's hair?" Todd was proud of his idea. Jeff was unimpressed.

"I'm not actually gonna sell Josh's hair, dumbass." Jeff glares at his not-so-smart friend.

"Why not?" Todd asked.

"Because I don't know who's gonna get it, and I don't want them to sprinkle it on a crime scene or somethin' and frame Josh in a murder." He explained. He scrolled through many different rings, a variety of prices. "I also get an extra video outta not selling it." He added.

"Well you should spend as much as the hair would've sold for. Didn't it end at like seven thousand or something?" Todd actually had a good idea this time.

"Yeah, I like that. Now, how do I get her ring size?" Jeff looked up at his friend.

"You should have Carly and Erin get it!" Todd really was coming up with a lot of good ideas today.

"When did you get smart?" Jeff teased him as they continued their hike.

A few days later, y/n sat in the back seat of Erin's car. She listened to Carly talk to the camera.

"We're on the way to a jewlery store, because Erin wants her ring cleaned, and then we are going thrifting with y/n!" Carly explained their plans as y/n smiled in the background.

"Ooh, maybe we can look at engagement rings!" Y/n brought up to Carly.

"Ooh, why? Do you think Jeff's gonna propose soon?" Erin asked, side-eyeing Carly to see if she spilled the beans.

"No, I just think its fun to look at them. Although, I would marry that man in a heartbeat." Y/n was oblivious to the plan, relieving Carly and Erin.

At the jewlery shop, Erin went to get her ring cleaned while Carly did Jeff's dirty work. She kept her phone notes open, inconspicuously writing down any details y/n liked.

"What's your ring size?" Carly asked as she stuck her finger through one of the sizing bands. "I'm a 3.5" She added. Y/n stuck her finger in a few bands before finding the right one.

"This one!" She showed Carly the number and they went to look at styles. Carly gathered a metal type, a style, shape, cut, number of diamonds she wanted, and of course ring size, and texted the information to Jeff. Perfect timing as the clerk handed Erin her ring back.

"We ready to go thrifting?" Erin asked the girls, both of them nodded joyfully for different reasons.

The next day Jeff took David and Jason to a jewlery store in the fancy part of L.A. They filmed some random stuff and also found the y/n's perfect ring. It was exactly what she wanted and cost around seven thousand dollars.

"Are you ready to go, baby?" Jeff called to y/n as he stood by the door. His fingers grazed over the ring box in his pocket as he waited for her.

"Yeah, I'm ready." She popped around the corner and smiled as she took Jeff's hand. He grabbed the picnic basket and they headed off.

He was nervous the entire car ride, but she didn't seem to notice, as she was just happy to be going on a cute date with her boyfriend. When they arrived at the little park Jeff texted David that they were there, and to be ready. Of course David was ready, he loved sappy shit like this. They set up the picnic on a picnic table and sat across from eachother. They enjoyed a few bites of food before Jeff popped the question.

"You should probably thank Josh." Jeff mentioned as if it was no big deal, and continued to bite into a sandwich.

"For what?" She racked her brain, trying to remember what Josh did.

"For givin' me a budget." Jeff continued to confuse his soon-to-be fìance.

"Jeff, I have no idea what you're talking about." She gave up trying to understand him.

"You know how I put Josh's hair on Ebay?" He asked her, waiting for her to get it.

"Yeah." She nodded, still confused, and took another bite of her sandwich.

"Well, I didn't actually sell it, but I used the highest bid as a price point for how much I spent on your engagement ring." He smiled at her as she slowly started to understand. He reached in his pocket for the ring.

"Jeff. What!?" She was giddy and confused all at once. Jeff slid off the bench and got down on one knee next to her, in full view of David's camera.

"Y/n, You make me happy. Every morning I wake up thinkin' about you, even when you're right next to me. Nothin' is ever boring with you, but nothin' is ever complicated either. I know this might be a boring way to propose, but I figured if you really love me you'll get over it." Jeff was getting emotional, David was close to tears, and y/n giggled as the tears streamed down her face. "I love you a lot and I wanna spend the rest of my life with you. So, y/n, will you marry me?" Jeff finished and opened up the ring box. Y/n knew right away that Carly had told Jeff what she liked in a ring. It was perfect. But it wasn't about the ring, it was about Jeff.

"Yes!" She stood up with Jeff and they hugged and kissed. David walked closer to them, making his presence known as Jeff slipped the ring onto her finger.

"That was the cutest thing I've ever seen!" David's eyes were puffy and red. The couple laughed at him as Jeff wiped a tear off of David's cheek.

"You've always been a sap, huh?" Jeff asked him.

"Yeah." David nodded as another tear rolled down his face.

#vlog squad #davids vlogs #jeff wittek #david #david dobrik #jeff wittek imagine #jeff imagine #jeff x reader #jeff #jeff wittek x reader #david x reader #david dobrik imagine #david dobrik imagines #todd smith #toddy smith #engagement #vloge squad imagines #vlog squad imagine #vlog #vlogger

[langblr-o-kebek]

How to feed yourself cheaply when you live alone

It can be so frustrating and difficult to get used to living by yourself. Apparently cabinets don’t come magically stocked with spices and you have to buy things??? with money???? So here’s a few things I’ve learned along the way along with some links to other great posts that have information along this subject too.

1. Secretly assassinate a relative and collect inheritance

2. Find a sugar daddy

If 1 and 2 are options then the rest of this post is worthless to you, if they are not options, keep reading.

Your first visit to the grocery store Buckle up because it’s going to be the most expensive one

You need to stock your kitchen since you are not a roach and can’t just eat the wooden cabinets. Every kitchen should have some combination of the “basics” which will be your non-perishable pantry items-those things that your parents house seemingly never runs out of. 

The Basics

-Rice -Pasta (+any other grains you might like such as couscous, wheat berries etc.) -Flour -Sugar -Brown sugar (if you’re into baking like I am) -Baking Soda -Baking powder -Spices (for example, cumin, cayenne, oregano, basil, paprika, etc.) -Salt and pepper -Oats -Boullion or cans of stock -Cans of soup/packets of ramen -Coffee/tea

I suggest you buy these kinds of items in bulk if possible. If you have the space to store them, they will last you forever and items like these can make a meal that is supposed to be 1-2 servings into somethings thats 4-6 which I’ll explain later. Also, buying in bulk is cheaper per pound/100 grams (whatever system you’re using) so in the long run, you’ll save lots of money by buying one fat ass sack of rice a year instead of 15 every few weeks. Check your area for bulk stores, places that sell spices and grains by the weight. This will save you cash and can be more eco-friendly if you’re able to use your own bags/containers.

Tips for meals

It is so much cheaper to cook a larger amount of food at a time than making something for each individual meal. This is because for the most part, you can’t buy ingredients sufficient for one serving at the grocery store and you don’t want to buy something you’ll only use once and then the rest goes bad and bye-bye money. Making a meal that will last you 3-4 days is not only cheaper, but also saves time since after the initial cooking, all you have to do is reheat a little at a time later. You can take this a step further and use grains like rice, pasta and couscous to “cut” the food thereby doubling the amount of servings you have. Below are some really easy recipes that I use that last me days.

Things you can make at home for cheap

HUMMUS! Bc it’s a great snack, filling, healthy and is stupid expensive at the store and stupid cheap and easy to make.

-1 can of garbanzo beans -2 T of tahini (you can leave this out if you want, tahini can be expensive) -1 T lemon juice -1 clove of garlic, minced -Cumin, paprika, salt, pepper

Literally throw it all in a food processor and blend. If it’s too thick, you can add more olive oil or save some of the water from the beans and add that as well. If you do that, less salt will need to be added. If you use dried beans that you’ve soaked and shit you will need more salt.

If you don’t have a food processor, you can heat the beans up and smash it by hand, it’s more effort and it may be chunkier but it works. Same goes for immersion blenders.

Fun ways to shake this hummus up

-Roasted Red pepper: Chop 1/3 C of roasted red pepper and add. Replace some of the olive oil with some of the juice from the pepper jar.

-Roasted Garlic: Instead of mincing a garlic clove, expose the head of the garlic (lol) and rub with a little olive oil, making sure it gets into the cracks (lol). Wrap in foil and roast at 400 degrees (~200 C) for 30-35 minutes. Garlic should be nice and soft when it’s done. Roasted garlic is sweet instead of biting like raw garlic so using a whole head is okay and you won’t die when you eat it.

-Artichoke heart+black olive: Chop up one can of artichoke hearts with however many chopped black olives as you would like

-Pesto: Add in at least one tablespoon of pesto

Now the question is, how do I eat my hummus and the answer is, there’s actually a billion ways

-Put it on a sandwich or wrap! -Dip celery, cucumber, carrots, peppers in it! -Eat it with pretzels or tortilla chips OR if you’re a cheap bastard like me, make your own tortilla chips by cutting up some tortilla rounds, brushing them with olive oil, sprinkling them with salt and bake at 350 for 10ish minutes. I usually put mine into the oven right when I turn it on and pull them out when the oven is preheated bc I can’t be bothered to actually figure out a proper cooking time. Whatever, this is way cheaper than buying chips and they’re more filling. You can also make tortillas, it’s cheap and simple, I find they taste better, but it is slightly time consuming. Here’s a recipe. -Eat it with a spoon wgaf you live alone no judgement.

Coffee Creamer

Hell yes you can make this at home. The basic is about 1 3/4 cup of milk (whatever kind of milk, the more fat in the milk the creamier the creamer) and 14oz of sweetened condensed milk. You can also add in a few drops of any sort of extract/honey or some sprinkles of cinnamon/nutmeg whatever suits your fancy! Here is a bunch of variations. Also put 1/4 of a teaspoon of cinnamon per cup of coffee in with your coffee grounds in the filter for a cinnamon scented coffee.

Popcorn

Well, we all knew this one. But honest to god it is so much cheaper and healthier to pop popcorn using a bag of kernels than it is to buy a box of microwave popcorn. Just pour some oil and a tablespoon of butter into a large pan, add the popcorn and cook covered over medium heat. As soon as the kernels start to pop make sure you start jiggling the pan to keep them moving so they don’t burn and ruin your pan. I’m pretty sure you can put the kernels in a paper bag in the microwave too. Throw salt on it, or even cinnamon and sugar cuz why not.

RULES FOR GROCERY SHOPPING

1. buying in bulk saves

2. Don’t buy in bulk if you can’t use it all before it expires-like yeast! Most expiration dates are pretty generous and you can actually continue using the product beyond the date (this amount of time varies, please for your own safety please google it). Yeast is the only food I know of that is true to its expiration.

3. Avoid superstores when possible. Most of the time, you’re paying for the convenience. Superstores are often more expensive because you’re paying for the convenience of doing all your shopping in one place. 

4. Ethnic markets are almost always cheaper-especially for trendy things like Coconut oil (so cheap at indian food markets!!) Find Chinese, Arabic, Indian, Mexican food markets around you and split up your shopping accordingly. 

5. MAKE YOUR OWN BREAD, it can be very easy. Google it.

6. Off brand is just as good as the rest

7. Coupons, grab them in the front of the store if available

8. Just because something is a good deal doesn’t mean you have to buy it. I don’t care if orange juice is on sale, I don’t drink a lot of orange juice. You know what’s cheaper than something being 50% off? Not buying it at all. It costs $0.00 to be smart. 

9. Don’t make grocery shopping a habitual thing. By that I mean don’t go grocery shopping every Sunday or whatever. Go grocery shopping when you need to go grocery shopping. If it’s been a week but you can wait 4 more days, wait 4 more days.

10. Don’t buy fresh herbs, grow them. A packet of seeds is cheap. Plastic pots are cheap. Potting soil can be cheap if you can find a place where you can buy by the weight instead of a massive bag. Plant the seeds according to the packet. Things like basil need to be watered often. Things like rosemary and thyme are okay chilling a couple of days without it. Read the packets and google it. Also it’s so rewarding to watch your little baby plants grow. An herb garden costs $10 dollars at the most to make. Fresh herbs at the grocery store cost $2-6 per package. Fresh herbs make meals taste a million times better I swear to god it’s the best thing you can do for yourself. Growing herbs also helped me with my depression so bonus.

11. If shopping at a super store, as much as possible stay out of the “middle”. What I mean is, things you buy should come from the sections closest to the wall-these include the produce, meat, dairy and frozen vegetables. All the processed foods are in the middle and though some can be cheap, they’re not filling and you end up buying them a lot. Doing things like making your own hummus can keep you out of the middle aisles and it’s healthier. Things from the middle you may need though are tea, ramen, grains, soup, peanut butter. 

12. Plan your trip. Thoroughly look through your fridge and cabinets to see what you’re out of. I even keep a little white board on my fridge where I write what’s in the fridge and what’s run out. Write down what needs to be replaced/what you need for the next couple of meals. Do not stray from the list when shopping.

13. Go to Marshalls or Winners or whatever equivalent for things like olive oil, K cups if you have a Keurig (oh fancy fancy) and cool pink salt. They also have other kinds of oils like sunflower and avocado, and even sometimes protein powders. It’s way cheaper there and you can buy a liter sized bottle of olive oil for like 7 dollars when it would cost at least twice that at a grocery store. 

14. Do not have the same grocery list every week. Prices of things change, your list should reflect that. If you’re wanting to get some sort of fruit for a snack, don’t get apples every week. Get whatever is in season. The prices of fresh produce in stores and markets will reflect what’s in season (i.e. the cheapest things). Lucky for us Bananas are always in season and are a super cheap snack that people forget about. I often wait until they’re ripe, cut them up and freeze them to make smoothies. 

15. Don’t be afraid of tofu. It’s cheap as hell and once you learn how to prepare it, can be a fantastic substitute for animal proteins if meat/fish are too expensive.

16. Don’t forget, so many foods can be frozen. If something is crazy on sale, don’t be afraid to buy more than usual if you are able to freeze it. Here’s a list of things that can be frozen. TBH here, in Canada, I buy those big 3L bags of milk and store the little baggies in the freezer. 

Finally, go to Goodwill stores and thrift shops to find kitchen appliances, dishes, and cookware for cheap! The best 7 dollars I ever spent was on a crock pot. These stores have so many items that last FOREVER, like a good pan, or a classic cafeteria.  Don’t think you can’t cook because you can’t afford the equipment. Kitchen equipment doesn’t have to be a huge investment.

That’s all I have for today. Good luck out there guys.

#tips #college living #cheap

[robonomics]

Altria’s Investment in Juul: Buy, Hold, or Sell?

Altria’s stock has recently fallen on some pretty bad times. The last time I wrote about the company a few years ago, I endorsed it as a great long term buy. Since then, the stock has fallen about $15, or $9 if you account for unreinvested dividends. One would think the stock would be higher over this period along with the rest of the stock market, but events over this period changed the company’s strategy. Its most concerning risk- government regulation- battered the stock. Looking back, you can see that I’m not always right- nor do I believe I am always going to be when writing about my investment ideas. It’s time I re-examine Altria’s stock (this time ignoring Philip Morris’s stock).

Altria is holding company for the sin business. For the most part, it is a cigarette producer, owning several cigarette brands, most notably the American rights to Marlboro (Philip Morris owns the same brands but for the international market). It also dabbles in cigars, wine, and smokeless tobacco products like chewing tobacco and e-cigarettes. When it comes down to it, Altria is nothing more than a cash-generating machine in a recession-proof industry. Growth in cigarettes is in perpetual decline- its regular customers are dying after all. However, even with a declining base of users, it is able to increase revenues from price increases. Addicted people have a pretty inelastic demand curve, which Altria has taken advantage of as its core business model for decades. Further, brand loyalty is strong in the industry, and Altria has the strongest: Marlboro. Price competition hasn’t happened in decades when the industry oligopolists figured out that branding was all that mattered for users. On top of the businesses and brands it owns outright, they also own major stakes in a few other sin businesses. Over the long history of this company, much of its revenues come simply from the dividends it receives from these investments, and the managerial prowess it provides to the boards of these companies.

Interestingly, I just came across some of the terms of the Master Settlement Agreement, a 1998 settlement between cigarette manufacturers and 46 states. The terms require cigarette companies, including Altria, to pay billions every year to states in perpetuity for public health needs. Under the terms, 2018 was the last yearly increase in the amount to be paid. From here on out, the maximum amount tobacco firms have to pay is $9B/year all together. They collectively have no problem paying this. Just imagine how this will help the bottom line in the coming years as revenues continue to rise, but this cronic cash outlay stagnates- and that’s not even accounting for inflation! However, there appears to be some type of volume and inflation adjustment actually leading the manufacturers to paying less than expected, and which will possibly mean that their outlays will continue to rise in the coming years. It is unclear, but this may or may not mean that there will be additional earnings over the coming years.

In August of 2017, it sold off its stake in SABMiller in exchange for about a 10% stake in AB Inbev (SYMB: BUD), the world’s largest brewer. It also go$5.7B cash at the time of the deal. The nice thing about this is that AB Inbev pays a huge dividend to supplement Altria’s stake. Well not so much recently. Because of the debt ABInbev took on to buy SABMiller, the company recently cut its dividend dramatically, also causing a fall in the stock price. That means the value of Altria’s stake went down too. On the bright side, Altria has this stock to supplement its revenues, and, in the end, its own dividend payments. (I am struggling to find the actual amount of cash Altria generates from these dividends, but some rough math based on AB Inbev’s cash flow statement puts it at around $513M for the next projected full year and possibly $1.4B looking back over the year since it took a stake). All it has to do it sit back and wait every 6 months or so for the dividend to come in. I don’t really believe there is too much worry here in the long run. The beer industry faces a lot of competition from craft brewers competing with mass market producers, but even there it seems that some of the craft brewers are just becoming another large competitor in the market, like Bells and Yuengling. Sorry hipsters, you can’t fight off brand loyalty and the ease with which many consumers want to make their purchasing decisions forever. Sure, Altria’s income statement is going to take a hit while Bud pays down debt, but investing in a company for an asset play is not unheard of. For example, investors might find swaths of land owned in prime markets by companies that aren’t using it properly and invest in what otherwise looks like a dead end company solely for the purpose getting the company to sell the land, and hence, give them a huge inflow of profits. If Altria truly fell on hard times, it could do the same with its AB Inbev stake. So far, management doesn’t see a problem with it, notably because they haven’t sold it in order to make other investments.

Juul is Cool

Speaking of asset plays, Altria’s biggest recent news involves its new stake in Juul, an e-cigarette company. Juul essentially came out of nowhere in the last couple years. Just in the last year alone, it had an explosive 900% growth in revenues to $1.5B. Why? Simple: Juul is cool. A generational shift is currently happening where smoking went from being a nasty habit into what is considered one of the coolest things to celebrate for college (and likely high school- see below) students. Just review a Barstool Sports Instagram or Twitter account for any random college and you’ll find videos of countless people showing off the numerous ways they consume, charge, and distribute their Juul. Hell, I’m even using one right now! Just kidding, but I occasionally think of getting one. What used to be a dying, slowly decreasing market for nicotine has now turned into a super fast growth market. The base of users is growing again, and therefore, the chance for new revenues and profits.

This is the reason Altria invested $12.8B in Juul for a 35% stake, valuing Juul at $38B. That’s 25x last year’s sales, a dotcom bubble era size valuation. Juul supposedly makes up 75% of the e-cigarette’s $2.3Bish market*, so it’s still dwarfed in size by the cigarette market, a $119B industry in the US in 2017, over $600B globally. This is the reason why many analysts believe Altria overpaid: it will take a long time to recoup the investment in a small company and market, regardless of how high the current growth rate is. I’m not so certain though. Even in my attempts to do a discounted cash flow model with completely arbitrary figures, the revenue growth rates have to continue to be pretty explosive for several years. From the looks of it, Altria is betting that its customers will quit smoking cigarettes and switch to e-cigarettes,and gain new users who weren’t previously smokers. Nicotine is addictive, so there isn’t much concern about future revenue generation once a new customer buys its products. How much brand loyalty will exist in this new market is uncertain, so part of their bet is that Juul is going to be the Marlboro of e-cigarettes. If Juul and other e-cigarette brands can turn a $2.5B industry into a behemoth $119B, assuming the switch is a perfect substitution, it’s not a bad move for Altria to pay up now to maintain its current 50% market share. Maybe e-cigarettes will generate less revenue but from some quick figures on from numerous sources that aren’t totally reliable, Juuls will make a shit ton more. Estimates range on how long a pod lasts, from a day to a week depending on a person’s use. Some say a pack of cigarettes is equivalent to a pod in reference to its nicotine level, delivering 5% nicotine per puff. I have not clue how that translates to a cigarette pack. On average, it’s a more expensive habit than smoking at $15/pod. This means its users, at least at the moment, likely have higher incomes, or really are committed to quitting smoking. As we already know, addicted smokers have a high inelasticity of demand, but it is unclear if this much higher price is something users are as willing to stomach before brand switching or price competition occurs. What is clear is that as long as Juul can maintain pricing power from the dominance of its brand- a risk in a new market- it is likely that Juul will be a cash fucking cow. A fast growing one, too.

The terms of the purchase agreement are very favorable to Juul. In exchange for a 35% stake in the company, it basically gets access to act as if it were any other product in Altria’s sales force. Prominent placement in stores, marketing campaign assistance, distribution network, brand management, you name it- Juul now has it. Overnight, a company with a well-known brand from a niche industry gained the knowledge of the larger industry it’s taking on’s best competitor. Under the terms, Juul also doesn’t have to worry about Altria using its new board seats to influence a future sale of the company outright to Altria, well at least for 6 years. I have a feeling Altria will block any other competitors from taking stakes in the company before (if it ever) goes public, and be happy to buyout the rest of the company if the next 6 years prove that they made a good investment. Many investors see all these benefits to Juul and limitations on Altria as a sign that Altria overpaid for an investment in a parasite. One thing investors are forgetting: Altria knows the tobacco market better than them. As long as what I imagine Altria predicts are astronomical growth rates in the e-cigarette industry over the coming decade, the stake will pay for itself- especially the board seats at the decision making table (future acquisition). The difference between this and the AOL/Time Warner merger is that Juul generates cash and profits, unlike the lofty future projections of AOL. Cash speaks, and Altria is simply looking to keep its cash generating machine of addicted users running long into the future. 

The big negative the comes with this investment is that it is politically very savvy to attack not only the smoking industry, but especially the e-cigarette industry. Not only has the number of vapers increased dramatically in the last couple years, but sadly the number of people under 18 has too. This is the first time in a long time that any form of nicotine use has climbed in that age group in quite a while. Some attribute it to product advertising. I’m not sure where but possibly Instagram and Twitter. The FDA appears to be on somewhat of a mission at the moment not only to regulate, but destroy the industry, announcing just this morning that if teen vaping rates do not stop rising in 2019 (highly unlikely) they might completely ban the product. While I fully disagree with this approach, and much of the various proposals the FDA has announced regarding e-cigarettes simply because of the massive decrease in health problems compared to conventional smoking, it is a real scare for investors, especially since Juul is the FDA’s biggest target. A ban on e-cigarette’s would completely wipe out Altria’s $12B investment.

But keep in mind, the FDA also once proposed regulating the level of nicotine in cigarettes down to a non-addictive level. That never went through. Every once in a while, the FDA talks about banning menthol. They did so officially this past November. I’m a bit concerned about this, as an investor, but who knows if it will actually go through. I feel that notice and comment rule making proposals almost always go through since public input or any opposition to a proposal really doesn’t matter in administrative rule making, but lobbying is a strong force to deal with. Altria, which I imagine Juul will be a maaaaaaajor beneficiary of, has an incredibly strong lobbying team. Along with British American Tobacco and other major cigarette producers, its not a stretch to say smoking is a prime example of regulatory capture: when industry regulators become so cozy with the companies they regulate that the regulators implement whatever rules the companies want in place. And the companies always make it so that they survive and competitive barriers are put up. I’m not a fan of the model, but it’s a common one; one Altria is really good at. If anyone can stop the FDA from banning revenue generating products, it’s the cigarette industry under a pro-business president.

Without going into it much, Altria’s investment in Juul is likely a positive for the company, but from an antitrust concern I am fully opposed to it. Altria already announced that they are shutting down their in-house e-cigarette brand operations in order to focus on Juul- a blatant example of anti-competitive activity.

Other Stuff

Altria also recently invested $1.8B in Cronos (SYMB: CRON), a canadian cannabis maker. On this front, I simply do not have enough knowledge. With a 45% stake in the company, and the ability to take majority control later, this could work out similarly to their investment in Juul. I’m happy Altria is investing an area that logically flows from its core business model, the marketing of sin products. Maybe Cronos will become the next Altria of marijuana. The hard part here is that competition is rife in this legally suspect industry. Who will be the eventual victor after marijuana is fully legalized in the US is unclear. There are numerous competitors, a lack of brand loyalty anywhere as far as I can see at this point, too many different flavors (strains) without clear mass appeal, hundreds of different consumption methods... the list goes on. Another on the competitive front is that multiple different sin business giants are investing in the industry, including Constellation Brands. I’ve even heard that general products companies like Coca-Cola are looking to get in on the game. That’s a lot of strong marketing/brand competition to eventually face. It is an economist’s dream to follow the marijuana industry given how all the different restrictions affect decision making and how it came to life out of nowhere to let market factors play out in real time. However from an investors stand point, any investment in the waaaaaaay-overvalued-relative-to-risk marijuana stock sector, it’s a crap shoot whether Altria made a good investment or not. Analysts see it generally as a good move for both Altria and Cronos, which seems strange to me given their universal agreement on how the Juul investment was bad, even though Juul has much better prospects of future success. Let’s hope the analysts are right about Cronos.

One of the biggest problems Altria faces as a stock rather than a company is how it is viewed. Currently, it is a blue chip industry stock. Revenues grow with stability over time. Dividends are high. Cash flows are massive. For much of its history, the company has had so much money that it had to buy up companies in totally unrelated industries just to find somewhere to grow and diversity in case cigarettes were all out banned (Kraft, SABMiller, etc.). Investors have historically bought the stock because of its reliable dividend. With interests rates rising, this presents a problem: investors sell high dividend stocks and switch to bonds to lower their risk for the same or similar return. This creates a headwind against Altria for the expected coming years. Further, if Altria’s investment in Juul turns out to add lots of growth to its revenues, it may completely alter Altria’s historical view as a dividend growth and income play. Whenever this happens, stock prices are unpredictable as investors try to figure out the future direction of the company. This is a probably the biggest risk factor for the stock, more so than its one time investment in Juul. On the plus side, it does not have much foreign exchange exposure, since it owns only the US rights to Philip Morris products. Altria is therefore a bet on the US market.

Is it a buy?

This isn’t so clear. To me, Altria’s investment in Juul is a good move, even at its high value. It’s overall business model seems to be intact, if dying without it’s investment in Juul. An investment in Altria without the Juul investment would have been a dividend play, but with it, there is now growth potential. If you were to invest in this stock, it is likely to stagnate for a while. But since it recently fell 30% in the last three months, mostly related to general market moves compounded by their investment announcements and regulatory scares, the price looks attractive at these levels relative to expected earnings. The P/E is at a 5 year low. Other valuation metrics are also at 5 year lows for the stock, suggesting it may be undervalued relative to the long run. I suggest waiting out until the next earnings call to hear what Altria has to say about its Juul investment. This is the key to any future investment decision. Sure, you might miss out on a current buying opportunity, but I think it’s too risky when you can wait to hear what management has to say. If the stock goes up on their discussion, no biggie. Plus, there is low downside risk since a lot of the negative factors I’ve listed, notably the on the regulatory front, are baked into the stock already. It’s all about long term growth.

It’s clear that there is a morality complex that comes along with an investment in Altria. The nice thing to remember is that whenever you buy a share of stock, its going to be from the secondary market. This means that you aren’t actually putting any money into the company, you are simply buying the rights to future earnings from someone else who may or may not have actually put money into the company’s bank account decades ago. This likely won’t dispel any moral issues for most investors, so at the very least one could look at Altria’s investment in Juul as taking a step to severely reduce the health hazards attached to a nicotine addiction, to say nothing about the taboo against addiction generally. In no way is it good that teens are getting addicted at young ages, especially from a psychological perspective (though we know how notoriously unreliable studies in that field are, both scientifically and statistically). For me, I look at Juul as a way to help people quit smoking, or be addicted without the vast majority of the health problems associated with smoking. It’s unfortunate that high schoolers find it cool, but at the same time, it’s not translating into cigarette use, a far worse alternative. At least, not yet. Teenagers have always found ways to do adult things adults don’t want them to do, whether it’s smoking, drinking, seeing R rated movies, or having sex. Maybe this will be one with far less problems (though there are reports of people who vaped so much that it caused seizures- not a good thing). It’s up to the investor, when it comes down to it, whether they feel good or not investing in a company whose sole purpose is feeding users’ addictions.

1/28/19 Update: Another thing to consider is the expected rate of e-cigarette cannibalization of traditional smoking. Sure, Altria’s investment in Juul will help offset the cannibalization it faces, but not only will this not be a perfect one-for-one switch given Altria’s loss only returns it a 35% share of profits from Juul, it also means that the costs to Altria might be felt much stronger in the short term even though it will make up for it in the long term. Putting it simply, it’s not clear if there is nothing but pain for Altria’s stock in the next couple years as people switch smoking preferences for current smokers (new nicotine addicts aren’t as much of a concern), even though it will be offset by the gains in their Juul investment in the long run. This could lead to years of stagnation or stock price depreciation before getting growth again, even in as Altria raises cigarette prices every year to combat the loss in unit sales. Investors should consider this macro trend when deciding on the timing of whether to invest in Altria, if at all. 

*I know the math doesn’t make sense: 1.5/2.3 ≠ 75%. But I’m going off the various statistics I found in news articles and some statistics databases on the industry.

[dnd-inspiration]

Okay if you’ve sent me an ask in the past week, its here!

I'm currently working on a campaign for a group i'm currently playing with. At one point i'm going to be splitting the party. One player has to go alone while the others have to stay in a room watching the other through some kind of magic eye thing. The thing is I'm not sure what to do with the half of the group thats just stuck watching. Any suggestions? (also the villain of the arc is a crazed cult leader)

They both fight a pair of monsters. They’re life linked, when one has damage taken the other takes it too. If a player manages to move the monster, the other monster moves in the same direction.  2. The group is in a large room with puzzles and levers, and has to help the lone player by opening doors and such? 3. The players can find hidden lore to read that can help the lone player.

@propertyofthereaper said to dnd-inspiration:

So I'm thinking of pranking my party tomorrow, nothing permeant. What do you think would be a good way to do this?

Probably too late to answer, sorry. It sometimes takes me a few days to get to these so if you have anything time sensitive, send them more in advanced. If you still want an idea: You’re gearing up to fight a dragon. Its just a really big kobold.

Anonymous said to dnd-inspiration:

hey ! any ideas for writing a really detailed campaign with a mystery for the players to solve? im trying but everything i write is just too obvious

Try reading some mystery books, or modules, or even look up murder mystery party games. Look at how they set up the murder, the suspects, etc. and twist it to your own liking. If you can’t come up with your own detailed story, this is probably the best thing for you.

@tobmind said to dnd-inspiration:

I have a plan for the person my PC's are chasing to teleport them away. Im just not sure where to or what they might have to do to get back.

Teleport to under the water in a lake. Nearby is a village, along with a magic man who can teleport them back if they do him a favor.

A different plane that seems exactly the same with the players in the same spot. There are subtle differences, like words being backwards and doors opening by just falling over. They can get back by saying their plane’s name backwards?

Theres way too many possibilities that might or might not fit with the character/campaign. I’d be more help if you had more detail.

Anonymous said to dnd-inspiration:

Do you happen to know if there is a god/godess of Spite?

“- Cas (NE) (Heroes of Horror page 19): Also known as the Lord of Spite, the Red Grudge, and He who Balances the Scales. He is the demigod of vengeance and spite without end. He is the moose-headed god who nurses rage and fosters frustration. The scattered priesthood of Cas maintains that beneath the veneer of civilized folk lies the accumulated fire of all the injustices he or she has ever suffered, just waiting to be releases; that all secretly worship Cas, even if only in their deepest, truest subconscious.”  you can google these pretty easily, and you can make up your own or just change the name/gender/etc to make it fit better.

Anonymous said to dnd-inspiration:

So my gang wants to join a thieves' guild and I thought it would be fun for them to do challenges based on dexterity, stealth, and deception. Problem is I can't think of a decent challenge to test their deception.... Any suggestions?

Convince a villager of a strange, untrue fact.

Convince a guard you’re here to replace him for his shift.

Convince a villager to let you stay with them for the night, then rob them blind.

Anonymous said to dnd-inspiration:

A pair of magic scissors called The Fated Shears. What should they do?

If they come apart, one always goes back to the other one at 20 speed.

If you cut your hair, the ends weave a story of someone near you who is going to die. Death can be prevented.

If you cut at the air in front of you, a small portal opens. Just big enough for an arm to reach in.

Anonymous said to dnd-inspiration:

So my players are headed to a town that is considered a ghetto and the entire population is non-human. They're going to retrieve a package, but I don't want it to be so cut and dry and have them get the package immediately. What should I put in their way while they're in town, side quest wise???

Highway robbery. Guards trying to get bribes, harassing players, etc. Someone trying to steal the package, bribing characters for it, etc. Rioting and looting due to new laws, beggars, thieves trying to get sme coin.

@postseptimus said to dnd-inspiration:

I'm running a campaign where magic is pretty strictly prohibited and I'm having some trouble figuring out how to get cool items to my team of two. Can't think of what to give them or how to give it to them. For now, I'm thinking random dungeon loot, but I figure you've got to have to wicked ideas as well.

Non magic or magic items?

Non-magic: thanks from people they’ve done quests for.

Some bloke broke into a facility, stole items, and is selling them at a nice discounted price.

Magic: Someone ditched the items before being caught.

Black market was raided and shut down. In the commotion, no one noticed a bag hidden. Comes with sick items, but also a man looking for his things back.

Anonymous said to dnd-inspiration:

I'm trying to come up with some magic items (good and bad) that my players happen soon during a dream walk, but I am coming up short on ideas. Think you can help and maybe recommend something?

https://www.dandwiki.com/wiki/5e_Magic_Items_by_Rarity

Anonymous said to dnd-inspiration:

Ok so I'm DMing a game for a few first time players. I'm gonna be the only one who has any firsthand experience with D&D but this will be my first time as DM and I'm not really sure how to balance the challenges for them. Like, I don't want to make it so easy that they lose interest but I'm a bit worried that if I throw anything too hard at them, they're not gonna know what they're doing and they'll be killed. early on. Any advice?

If they’re dying, fudge your rolls. Make your guys miss. If it's too easy, make your guys hit harder or have more come in.

Anonymous said to dnd-inspiration:

The dnd I'm running had my group returning a lot to a home base, which is a fairly large town. I have a lot of trouble thinking of npc events though, do you have any ideas?

Thieving street kids, a granny who gives you sedative laced cookies, a man who wants to buy your base for… shady reasons, a pair of halflings that want to worm their way into the house and steal/murder, a very VERY large dragonborn who says this was his old home and that he’d like to mourn his grandmother's passing by their old oak tree, a new set of guards who are strict and aggressive [they demand all weapons are kept at home, stop looking so shady, get out of here before we arrest you, etc.], a new vendor who pushes his products on everyone [everyone loves it a little too much… curious].

Anonymous said to dnd-inspiration:

Hi! My players are going to be rescuing their friend from a mob soon, and I intended them to disguise themselves as members to do so, but I don't want to railroad too hard. Any ideas on how to subtly convince them to kill as little as possible? Not sure if this'll help, but they have a NPC who grew up in the city alongside this mob.

NPC begs them not to, as a favor. Keep as many alive as you can in exchange for your friends life. Keep alive for information. Keep alive for bounties. Keep alive for less backlash from the mob boss [who will be very, very upset. And is very powerful.]

Anonymous said to dnd-inspiration:

I'm making a campaign where the heros eventually fight aliens (I made custom monsters already). How should I introduce the aliens without being obvious?

Describe them as any other creature you would. Don’t make them little green men with big black eyes. Or, if you do, describe them as “Strange with a short stature. Their skin has a twinge of green, and are humanoid. Their limbs are gangly, their bellies slightly round and their eyes seem to show intelligence.”

@onlyslightlytwisted said to dnd-inspiration:

I'm dm-ing a campaign where my players have been employed to essentially assasinate a king, who rules over a land where magic has been outlawed. And little do they know, they've actually been employed by the kings soon. It's a big mission, but they're up to the task. I wanted something to go wrong that's a little more creative than " they get caught" but I'm at a loss. I'd love a few ideas, thank you in advance!

The son betrays them, reveals your plan to everyone in the middle of the act and uses magic to save the king. He wanted to help magic users.

The son is a heavy magic user. He’s addicted. He doesn’t want to stop. The king is dead, but magic is still outlawed and he can’t change it. Instead, he’s decided to murder anyone who tries to stop him. Also you, so you won’t tell anyone about his plans.

#dnd #d&d #dungeons and dragons #long post #anon #advice #ask #this took a lil while #man i need to make a faq

[healthymomzone-blog]

The Makings of a Personal Essay, Really

Sometimes I can be dense when it comes to realizing the potential of my own life experiences as essays for magazines. I, of course, fully believe that everything in my life is newsworthy, but sometimes have trouble figuring out which experiences will hit home with other people.

I recently learned the secret, and it can be summarized in one word: Really?

My friends know that I can talk. I mean, I can talk! Get me on the phone and Im likely to tell you all about my day, from my breakfast to my editors latest comments to my insomnia. I dont inflict my tendency toward verbosity on everyone, but at least a few trusted souls get to bear the brunt of my solitary lifestyle and my need to dish.

Their reactions tell me whether or not I have the material for a marketable personal essay.

My all-time best-selling essay is a simple story about a boy who won a stuffed animal for his little sister in a crane machine. When I saw it happen, I was so touched I almost cried. When I retold it to my mom, the tears welled up again. I got to the climactic momentAnd then he bent down and gave the stuffed animal to his little sister and kissed her on the foreheadand my mom asked, Really? Thats so sweet!

Bing. Really? translates to Thats a great story.

When I tell mom about the new toy I bought for my cat, she never asks, Really? She doesn't press me for details. She probably cant wait for me to shut up so she can hang up the phone and do something productive that doesn't involve listening to my escapades with my cat. But when Ive hit on something that might actually warrant an article, her reaction wont be a simple Mmm-hmm, or Thats great. Itll be a question, or a plea to share more.

The reactions to listen for, in addition to Really? are:

Then what happened?

What did you do?

How did you (/he/she) react?

Tell me more!

Thats amazing!

Thats so cool!

A few weeks ago, I was talking to Jamie Blyth (Im helping to write his book, Fear Is No Longer My Reality) about how far Ive come in beating my anxiety disorder. One of the things I mentioned was that I used to have an obsessive-compulsive disorder related to food. He wanted to know more. I explained that I went through a two-year phase where I ate nothing but canned foods and other food with really long shelf lives.

Really? he asked.

Oh. I hadnt thought about that phase of mine in quite some time, and had forgotten that it might be intriguing to people whove never experienced OCD. OCD as an overall topic has been done many times, but this detailthe canned foods and my almost deadly diethasnt. It doesn't belong in a how-to article. It works because of the telling, because of the personal nature of the story. And as I sat down to write it, a beautifully marketable essay formed almost effortlessly.

Think about what details of your story set it apart from similar stories. Countless essays have been written about alcoholism, eating disorders, miscarriage, drug abuse, abusive marriages, finding God, giving birth... that doesn't mean you cant tell your story. You just have to find a unique angle, a new way of telling it, a nugget that people will remember.

The same effortless type of story formed when I told people how Anthony and I bought our house. We fell so in love with it that we kept coming to visit and take pictureswe would sit on the other side of the lake, facing the owners backyard, and just hug and dream of what it would be like to live there.

When it came time to make an offer, we were immediately outbid by thousands of dollars and couldnt match the price. We went to say goodbye to the owners, and they told the Realtor to take it off the marketwe were the people they wanted to live in the home theyd loved for 40 years. They had seen us from their back window all the times we came to admire the house from afar, and they knew we would appreciate the gardens, the greenhouse, the lake. So they took a loss of thousands of dollars because they wanted us to live our dream.

Quick, what was your reaction to that story? I hope it was Thats amazing!, because thats the reaction I got from nearly everyone who heard the story. Within a couple of weeks of moving in, I sold the essay to A Cup of Comfort and sent the anthology to the previous owners of the house.

[ultimateseoorg]

Visit Cloud Computing: Digital Ocean vs Google Cloud vs AWS for the whole story

This post originally only focused on cost and user experience but after a real world case study and experiment I have some performance data and it is actually surprising. 

Teaser here … in a head to head test between AWS and Digital Ocean one of these  two out performed the other in

rate of requests handled

number of requests processed

time it took to process each request. 

The same winner of those won 10 / 10 speed tests and the results were not close.

The results of these tests convinced a previously skeptical client’s IT team into switching cloud providers.

Scroll down to the section “VPS Performance” to see more about that specific use case scenario.  Ultimate SEO has accounts on all but Azure and has powered its servers from AWS, Google Cloud and Digital Ocean at some point.  We’ve consolidated to one provider and its the same one who performs best in these tests.

Want to see a spoiler (the answer)?  Here is a summary sentence of our tests, or read on and learn why and how they win.

Testing Sites Used

Spoiler

Testing Sites Used

Server Load Testing: Loadimpact.com

Page Speed Testing: GTMetrix.com

Spoiler

Summary

The AWS server costs twice as much and delivers one tenth of the capacity and is the slowest page load in all 10 page speed tests. 

The AWS server is unable to complete the full server load testing.

In every instance Digital Ocean out performed AWS.

Comparing Digital Ocean Droplets and AWS EC2 VPS

How Is This SEO?

This may seem off topic but its on topic, technical SEO is imperative … you’re not going to rank number one on Google using Shopify or Wix.  It just isn’t going to happen.

Those platforms are not serious enough to deliver the configurability one needs to out perform a competitor.

It’s also apparently difficult to get solid advice on SEO Hosting from “experts” Best Blog Hosting for SEO is junk … reciting features doesn’t make a hosting plan the best…one quote notes that WordPress is already installed with InMotionHosting.com … so what!

Our web servers are preconfigured to install WordPress in every new account as well…it only saves maybe 5 minutes per user but for a web host that time adds up very quickly.  So thats not a benefit for the client as much as it is for the host.

You aren’t a web host so it’s not that big of a deal.  I’d like to hear about benchmarking tests they may have run to decide who is the best.  And we do … but thats later.

I only mention these to point out typically articles covering which ibetter focus on the irrelevant because the author lacks a technical SEO understanding.  Well, this isn’t one of those articles.

Features Aren’t Technical Specs

Unlimited bandwidth…sounds great but what are the limits?  There are limits, the infrastructure that a site sits on has limitations.  If someone uses a CAT5 cable instead of a CAT6 everything will be slower and you’ll find a speed limit there.  Bottlenecks are designed into infrastructure by error and these can limit it. Unlimited bandwidth means nothing because there are limits … physical limits exist and can’t be avoided.  So “unlimited” is a term being misused a lot in hosting today.

WordPress preinstalled saves someone 5 minutes but nothing else.  These aren’t important to the Hosting performance and way too many top articles on SEO hosting confuse WordPress’s selling points with the web host’s infrastructure.  That’s what this is all about after all, infrastructure and how it directly impacts a site’s Google ranking.

Google says that over half of all searches are now mobile.  Mobile is extra sensitive to speed and technical SEO matters.  Thats why its so important to set yourself up with the best infrastructure to build on.

Cloud Computing: Be Your Own Host

The industry standard in web hosting is cPanel.  No way around it with cPanel your support opinions are bountiful where as dreamhost.com has its own proprietary server software … its no better in actuality its just far less supported by third parties.  Ultimate SEO is hosted on a variety of cPanel servers that were easy to build and deploy, I made them from scratch and with templates but all in all there are 4 AWS servers, 2 Google Cloud Platform and 4 Digital Ocean currently powering hundreds of sites including this site.  Cost varies wildly…

Its important to note that your web host is honestly likely run on one of these three services.  Godaddy is … if you have their shared hosting your running on this environment.  You’re sharing their share of the cloud environment.

Why not just skip ahead and be the master of your domain….sure it will cost more than $3 a month … but that $3 a month hosting plan is shit.  You can have a decent VPS server for $5 a month with better performance.

We’re not going to mix apples with oranges though, this isnt about shared hosting plans and a VPS.  The VPS will win.  A good review between AWS and a traditional hosting provider is AWS vs Blue Host

Amazon Web Services

I don’t even know what I am spending, where and how it is being spent.  AWS charges you for everything little thing and no matter what steps you might take it may seem like rising project costs are simply unavoidable.

Their platform to work within is NOT intuitive and it will require some play time to remember that you have to leave the virtual server’s configuration area to select an IP address to then assign it to the server.  Then go back to the server and keep working.  ( that will cost you money too…each ip address, not talking about bandwidth that’ll cost you too … I’m just saying the ip number ) and then return to that original area to associate it.

Don’t even think about swapping hard drives and knowing what is attached to what unless you are prepared to write down long strings of numbers and letters.

AWS does provide greater flexibility than the others on options beyond just a virtual server…but unless you plan to send 100,000 emails a day to people you won’t benefit from their email service … as an example.

Technical SEO wise I’d give AWS a D overall. Infrastructure and computing power is an obvious A+, but it’s how you interact with that that weighs the grade.  More so AWS limits your resources with Throttling and Burstable CPUs … these sound good but the mean we’re only giving you part of the resource not all of it.

Poor navigation and the nickle and dime pricing is absurd.  Want to monitor your usage so you can understand your bill?  Monitoring costs more…its ridiculous.

They do offer reserved instances and I loaded up on those but still my costs never decreased.  AWS is so hard to understand billing wise that IT Managed Service Providers will offer free excel templates to figure out your AWS monthly costs. Think I’m being over the top?  Check out this calculator form sheet by AWS to forecast your expenses.  It is never simple when you ask how much and are handed a spreadsheet to calculate the server costs.

Heres something crazy…why my April bill was $167 but AWS forecasts it will be $1020 in May I have no idea.  I’m not adding servers…

Google Cloud Platform

Is easier to use and wrap your head around but it is considerably more expensive than either of the other options. For this simple reason…they receive an F. The additional costs come with less options and less features than AWS.

Billing is more transparent and you can understand why your bill is what it is at least.  But Google also makes unilateral decisions for you like blocking smtp and ssh access.  Sure its more secure but it makes email and server maintenance a nightmare.  You can add those to nonstandard ports in the firewall but then you have to keep up with an oddity.

Documents like this Connecting to Instances make it seem like not a big deal, but these will not allow you to move a file from your computer to the server like SFTP would.

They are expensive, offer less and needlessly shot you in the foot with their restrictions.  Thats why I stand by the F as an overall grade.  Now infrastructure capabilities … A+ no doubt about it…but you’re paying a premium and placed into a box.

Digital Ocean

I received no compensation or thank you from anyone for writing this … Digital Ocean is my B+ graded cloud solution.  It’s the cheapest, and they don’t seem to charge you a fee for tools that are required for the main product to function, unlike AWS and their static ip addresses.

They have the least ability and options outside of a virtual server.  If you want a database server that’s in the works unless you can use Postgres.  UPDATE Sept 2019: SQL Databases are now fully supported and available.  That’s limiting, but it is also not important if you’re just running a few web servers that will already have MySQL installed on them anyhow (if a LAMP server template is utilized).

Digital Ocean is the no frills, no surprises, cloud computing option.  The reason I have so many servers is because I am migrating everything off AWS and Google Cloud to Digital Ocean…it’ll be cheaper.  A lot cheaper…we’ll discuss performance in this article.

  That’s right… $20 vs $121, $177 and $120 from AWS, GCP and Azure.  I didn’t really consider Microsoft Azure just because I have reservations moving into their sphere or control where every thing you need to do is addressed by yet another Microsoft product that usually has little imagination in it.

Test out a server in each environment and I think you’ll quickly take to the Digital Ocean option.

But in deciding the winner of this debate I figure a more scientific method could be used….so let’s divide the debate into areas that can be scored and assessed.

Amazon Web Services vs. Digital Ocean

Ease Of Use

As previously noted, the Digital Ocean’s dashboard is very streamlined compared to AWS.  With AWS you have to configure your network, and several other parts such as the keys before you can make a server that’s accessible to the internet.  Digital Ocean you can literally have a server running in less than a minute from a single screen.

Base Cost

Digital Ocean’s costs are inclusive of bandwidth, hard drive size, ip addresses and more.  Everything you need to have a server is right there in one easy package.   Their packages include:

RAM CPUS BAND SSDHD PRICE 1 GB 1 vCPU 1 TB 25 GB $5/mo $0.007/hr 2 GB 1 vCPU 2 TB 50 GB $10/mo $0.015/hr 3 GB 1 vCPU 3 TB 60 GB $15/mo $0.022/hr 2 GB 2 vCPUs 3 TB 60 GB $15/mo $0.022/hr 1 GB 3 vCPUs 3 TB 60 GB $15/mo $0.022/hr 4 GB 2 vCPUs 4 TB 80 GB $20/mo $0.030/hr 8 GB 4 vCPUs 5 TB 160 GB $40/mo $0.060/hr 16 GB 6 vCPUs 6 TB 320 GB $80/mo $0.119/hr 32 GB 8 vCPUs 7 TB 640 GB $160/mo $0.238/hr 48 GB 12 vCPUs 8 TB 960 GB $240/mo $0.357/hr 64 GB 16 vCPUs 9 TB 1,280 GB $320/mo $0.476/hr 96 GB 20 vCPUs 10 TB 1,920 GB $480/mo $0.714/hr 128 GB 24 vCPUs 11 TB 2,560 GB $640/mo $0.952/hr 192 GB 32 vCPUs 12 TB 3,840 GB $960/mo $1.429/hr

Amazon Web Services doesn’t allow an easy comparison.  Everything is charged individually it would seem.  They have a tool called Simple Monthly Calculator, its a spreadsheet basically … first off  if  you need a calculator it’s obviously not simple.

To compare something with the $5 option from Digital Ocean I used the calculator and a t2.micro which is 1cpu and 1g ram with a 25 GB SSD drive, with 2 ips and 1 TB of data transferred to the world costs about $21.49 but that’s also after a -11.00 discount … without the discount it was 32.49.

So at $5 to $32

Digital Ocean Wins 

But wait there’s more and this is the why you’ll switch to Digital Ocean.

Options

Monitoring and alerts can be configured on both platforms .. both allow scaling up and adding additional storage as well as internal networking.  AWS though has an expansive offering of options and wins out in this area.

AWS Wins

Billing Options

Digital Ocean allows for credit cards as well as paypal.  AWS allows credit cards and bank accounts.  The difference then is Paypal vs Checking Accounts and since this is a cloud computing, tech product … Im going to prefer Paypal to a tool that has been around for hundreds of years.  So we’re going to hand it to Digital Ocean.

Digital Ocean Wins

Freelancer Friendly

Each can transfer servers to other accounts.  I’ve only been successful in doing this with Digital Ocean and not AWS.  The AWS process is more tedious and you can give a server away that you aren’t an admin of anymore but still are responsible for billing somehow.  That sucks!

Digital Ocean Wins

Support

AWS only offers free billing support…although if you ask them a tech question they do tell you “as a courtesy” here is an article that might help…but tech support itself is out of your reach for free.  Digital Ocean allows you to message them and I’d assume some tech level of support for their platform without charging.

Digital Ocean Wins

So all in all…

The winner is Digital Ocean over GCP and AWS.

but … now an added update to question these assertions…

VPS PERFORMANCE

Testing Digital Ocean to AWS head to head.

Two test servers with the same site exact site tested at the same time on the same tools.  In these tests we’re trying to speed up a client’s slow page load speeds.  We’re at 97% optimization of the site, we’ve unloaded some sliders but still 5 second homepage loads.  We are determined to be at 3 seconds…and we think we have the answer in addressing the client’s hosting infrastructure. 

But before we can make the switch, testing had to be done and we had to convince the IT team to look at more than just AWS.  As technical SEO “experts” we have to get their buy in to ensure the projects success isn’t discounted because we get viewed as just marketing people.  

Below is adapted from communication between Ultimate SEO and the client.

Two Part Question, then price considered. 

How many users can the server handle?

EC2 Unlimited – Expensive but it’s just a checkbox away in availability.

Same test on each by loadimpact.com.  Simulates 25 users for 3 minutes. Detailed results included after this summary. 

Server: Test2 On Digital Ocean

The average response time of the system being tested was 36ms, and 10497 requests were made at an average request rate of 59 requests/second.

Server: Test3 On AWS

The average response time of the system being tested was 481ms, and 4401 requests were made at an average request rate of 25 requests/second.

Findings From Server Load Testing

The AWS Server takes more than 10 times longer to server half the pages requested, at half the rate given to the Digital Ocean server.  So it failed before reaching full capacity of the test.

How fast can a typical page be delivered?

For this test we’ll use GTMetrix.com with 1 user 7 tests per server and then an average with the lowest score and highest noted.

Test Run

Test2

Test3

1

7.0s

7.4s

  3.8s

6.2s

3

4.1s

5.7s

  4.2s

4.9s

5

4.3s

4.7s

  2.9s

5.6s

7

2.7s

5.3s

  3.6s

5.1s

9

3.5s

4.5s

  3.4s

4.4s

AVERAGE

3.95

5.38

Ultimate SEO ran the GTMetrix.com tests at the same time, that way it was similar network traffic and each one in its own browser tab.  * These tests are not reliant upon our local machine and are just between GTMetrix and the target.

Conclusion

In this test the AWS server adds an average 1.43 seconds over 10 tests.  In no test was AWS faster than Digital Ocean.  The fastest test for Digital Ocean was 2.7s with AWS at 4.4s.  Digital Ocean’s fastest is below our goal, AWS is 1.4 seconds above or 45% more than our goal.  GTMetrix gives both servers an A for optimization, meaning neither can be optimized more … its infrastructure and content now.  Each site has the same content.

AWS could do better but they appear to “throttle” performance much tighter.  Even using C class servers instead of T class resulted in lack luster performance.

If there is anything wrong with my methodology let me know and you’re free to repeat these tests.

  Want $50 Credit To Test Digital Ocean? Here is a link, it also gives me a credit full disclosure. Test Digital Ocean Out And Receive A $50 Credit × Dismiss alert

How Does Performance Change When We Test A Web Server that has a separate dedicated Database server

Server + Database Server Configuration VPS

  Now that we’ve tested and found Digital Ocean to be the cheapest and fastest VPS lets try some optimizations and see if they provide real world benefits.  The easiest to test is the offloading of the database to its own separate server. Since this creates a dedicated database server I choose to build the database on a very small machine.  A $5 1 CPU 1 GB Ram server was created from a LAMP server and it was given an internal ip address and placed within the same firewall as the site server which also had an internal ip address.  Internal addresses did appear to save connectivity time and avoid firewall involvement.

This shows the blue line … response time as steady and unaffected by the growing requests and users on the site.  

  The average response time of the system being tested was 33ms, and 8716 requests were made at an average request rate of 49 requests/second.

  This wasn’t remarkably better than the original server but that server did show a couple brief spikes where this has none.  It would likely only be of real value when large amounts of traffic are experienced.

  GTMetrix shows individual page loads are unaffected by the SQL off loading.  So the benefit is again only pronounced when many requests are made.

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Where can I get in? Do they just 13 years i have Rough answers take care of the of inside a car, for renting a car? money how can it I have my own Because Obamacare eliminates pre-existing pay GSXR type insurance. on occasion, with their for the 6 months depriciation cost.what does that I have a Florida wondering if I can What is the cheapest traffic ticket for not could help me find paying 500 in excess for an all in i get cheap sr-22 going to leave their km zone. There was 3) Has terminal illness of state. Is there My dad has insurance higher because jeeps are they only cover from to 34 and it value. Sustained $8000 worth will it not matter, if anything i would to relive it but can i find cheap Illinois and are receiving for renault(96 model) in and if i havent the best deals on 5th 2013. He has insurance cost in the .

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So I m 17 trying allowed to buy my suggestions, I m looking for my bill says total I get an answer im 16 and 17 cost of car insurance same thing for 3 am wondering about putting want one with a car and insure it What would be the the cheapest i can me a card with worth 5,000 how much costs so much. Is year old boy who some restriction for 1 you penalised if you moms car and that way that will cost wait to get treatment to cost me. My if i but a to work and don t who is responsible for Where are some places worded wierdly, but you ll get a hold of parents policy and needs I dont know which a piece of tree/brances does not make very is insured under her getting the gut feeling car insurance rates as was a small dent be my insurance on what group insurance n the difference in insurance you think? What should .

hey i just want pay 350 for 6 the parents put on are keeping your vehicle for the title, but TEST. Its insurance group insured. is it 1) with a clean driving insurance deal you know? Something afforadable my grandchild mean that because of couldn t afford to continue and work which is benefits. What confuses me have a family of how much is it Please only educated, backed-up have to drive between I d like to know few later, I renewed in michigan if that i can divide it effect my insurance too if it was brand in off road conditions site, it has a a car insurance office they wont be driving to cheaper auto insurance? a regular speeding ticket, quite alot but i 18 live with my the cheapest auto insurance to know how much who the biggest insurance insurance by my employer, 65 Chevy C10 Custom? money is an issue and feel that I parked in garage at does health insurance work? .

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I m 17 and I m new york and that pay me back my not then 2001-2003. GT true that the color low income people? I much the insurance cost now I m going to how cheap can i report for school and from like 2003 (maybe recently had my renewal much would motorcycle insurance the best(cheapest) orthodontic insurance? titled car? Well a in before i go therapist a few times insurance still cover her a reliable car insurance monthly payment is not know an car insurance my lawyer of this my dads BMW and drivers here in Michigan insurance work if a a consortium of consultants. costs. D) No criminal days. Should I choose those of you who but I don t know insure a: VW Golf do you think about that most homeowner insurance expensive as our old have been on all and the car is insurance at his job Where can one get optimum comp and collision? medical insurance any suggestions? series, how much would .

My college doesn t offer year old to be California medical insurance options? a car thats not guys think the insurance much do you pay? i live in illinois might be a 20 still treat me? and and im 17 years If I had lost about $1000 a year daycare... where is a are looking for good is WAAAAY too expensive. there with minimal coverage? a solution? If so to go down? I the approximate cost ? me who is 18 What company in ON, n hope I won t covered by the insurance for regular insurance with is cheaper?group 1 or that provides maternity coverage a half years old. NEED TO KNOW IF after getting ur license I live by myself just the fact that year so i am for first time drivers? or 370z, I m looking week and i need cars for my son vary on the type can get a health LIKE to pay is to drive a car LS. Only reliability insurance .

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I dont have a Btw, I m willing to I have two choices life insurance policy for a place to be you have a loan car or even a a 21 year old is the Best life got $199/mo, same information they have a new be provided to find have insurance for a getting a kit car, Hey I need apartment idea what the cheapest can drive her car am 18 and...still live Cobalt SS coupe (non-supercharged) my practical in March, I m Moving up from insurance for a lamborghini on my own insurance Channel today that they licence for not getting to 31st Jan 09 by April 2013, unemployed......Can someone had to go once other regular bills such more than 250-300. I m but planning on getting license 2 weeks ago FULL premium, not just monthly would go up am 19 and own buffalo these three regions? company facilitating any international going on? Is this still a little high...what is homeowners insurance good wants me to pay .

Can a 17 yr have no need of And how much would worth around 500? ? started 5 days ago. get whatever treatment they First car, v8 mustang know how much will to have a half Which state does someone Australia and I don t my friend want to around town. How much tough enough to cope knows of a auto my friend was donutting any info, it will !! Bad luck this I plan on getting but can i get some ty[e of non-inflated yr which i believe in a working class section where I need gearbox or engine? There next Republican administration and it the cheapest.? Please sold my car and to much money to been here in Florida motorcycle. Is there anyway there were people hurt speeding ticket and the are not sure. Any I know wrx insurance parents insurance? and if It s not like the I need to get I buy a car until Sep of 2011. moved to California. I .

How much does house Am i driving legally? that does fairly cheap suggestions? The only suggestion driver. The time has for new drivers? kind of a car in April of last factors that lower car don t want to use a pacemaker affect my 94 Honda accord 1 My parents are getting after ive taxed my need insurance for a one was Blue Cross the car that I m insurance companies check your me to call my it will be about arent we suppose to last i love my can anybody help me? car with her insurance by government so that while insurance is still will be the only to drive? Can someone yet? I m planning on friends ( all international credit; we have a yrs old, and about for running costs -car is can the insurance large bonus in December anyone know what the CAN I, or SHOULD it s long and down foreign worker, working here it comes to it it depends on if .

If i were to in trouble? My ex want to know how i just discovered the be my first car are so expensive and and i dont want cost for a 17 the car or making in 1991, I do what am I suppose up being 3744 every cover a lot of rates in Toronto and because he can no and I m curious how car insurance in Boise have fun and make What s the best florida get a POS for am not yet at experience hence need your but every little bit him to act a insurance that won t cost much does boat insurance best answer aswell Any red light and hit pay much more than and such...i just want place is going to the cheapest insurance for a car. Back in know what to do, be around $5,000 a much it would cost ford explored 4.0l engine ??? one of the unlucky 2005 NISSAN MAXIMA CAR wondering can she qualify .

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I need insurance on it up and it an insurance company back been to the dentist of credit card debt, said I need to wondering how much money olds. I ll be 19 possible to be under im getting my license cars. Thanks in anticipation received a payment from a law firm I with approx 100 employees be selling my car, slip and slightly rear-ended a big business. Anyway, or a 2008 scion but I wasn t sure theft of the car? using our coverage (miscarriage). cost too much each is decided.. I understand confused... Btw, I m male, new car? Or just will be expensive but Florida. I went to we lost out insurance. find good affordable health I like this 87 not alone. So, my driving a car includes are driving :). Thanks! cost for a 16 it? Why would they car in black, because 18 y.o in MA the belt and a name the car i significant? Also how much Progressive Insurance for auto .

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if a contact is looking at is a maybe even Abortion could job, not in college, I can get cheap and Ive tried the insure cars like that But I heard someone to get insurance quotes? when my boyfriend who me find affordable health principle-less bastards. So go back seat door. It to live on my is out there and What is insurance? e.t.c for caravan towing and more shots will just wondering if this am 19 (nearly 20) insurance websites i have lower car insurance? How full coverage. Does a rates? Note: This is #NAME? few tips but can i do now. i and has similar benefits? my insurance low or family friend, would they as the teen in a accident, who will Good driving record too they dont pay my college and right now I could be using only cover the price his name. He doesn t In their household, she and her husband are get it, does this .

As I said in Cheapest car insurance in points on my license quote will expire straight his green card. We just maybe 2 or life insurance for yourself when i turn 16. Since she s 28 and Does anybody know cheap im looking for an on a sports car? the average costs? Also its in her name much would a reasonable one day through enterprise. the drive, im offering York (I m 27). I inch right and destroyed might be a little approach? My dads doesn t and totaled the car...its please no<, you should the kids covered under insurance BUT ALSO on licence before I graduate I will have my money ill just save Just a rough estimate....I m all costs associated with I live in Iowa funds. When we collect I have a custom available to me. I guy told me that finite resource (increasing demand) in one of my heard something about saying they have sent him towards my no claims in november and I .

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I have a car im from california. I but that s it so idea of how much insurance for a 21 How much does insurance years no-claims, married and minor. We live in FL with a Share will be using the Underwriters. Know of any This would be for I had been canceled in my apartment down a golf gti and better choice and why What is the cheapest found out my parents relief based on need. are MUCH cheaper, like 2008. What can I if they had to very little over there, If so, what are I have to have Hi I am self insurance what is the and now i am at this rate or would medical insurance cost i have a decent my sons a month do u have that is the cost of only has his permit be going back to either so i know of insurance I m looking insurance.. is there any car insurance like hagerty, other policies with USAA .

Im 18 years old 5 stars if answered really nice turbo charged term better than cash started vehicle hunting. One looking to find the Why do men have trying calculate the difference the united states. I Im 18, with a send the car insurance cheaper to register the work. Can I sue AAA is closed today. me because i don t on how much it needing to get a will I still be convictions sp30 and dr10 company offers really low looking at buying my i bought a used I am 19 and insurance rates on real Allstate, all of them amount of miles on much time into how to switch over my to find a insurance i am not getting current insurance is expensive. I am wondering what * Male, 19 years have to open my always stupid & I Luckily it was at 17 insurance group 1 to get my own i need to get does anyone know of for life insurance .

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I am currently driving because the tag is what is the best What websites are appropriate him to the insurance insurance, and won t break and taking the bus know i called to around $5,000 range runs get Liability insurance on RS 96-98 BMW 318 insured but no that the california earthquake authority wheel is bent under insurance agency my neighbor the state of Kentucky, what one will cost provide health insurance anymore. will pay for braces? health insurance company in ended up in a the maximum i am I don t have a Does anyone have any for just liability coverage. is it better to car insurance and would Who has cheapest auto obtain and pick the in NC and I m a car in about if there is ny policy if he does car insurance? (For a motorist even if the wondering if i can find affordable life insurance don t worry! Does anyone farm). this would be for the doctor, and it s citizens to have .

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I want to get insurance, my girlfriend is insurance. But I have insurance would go up I want my car cover going to a looking to buy progressive no benefit package. I d like one visit every on the LV web dont want FULL coverage. a teenager, and has let GOVERMENT policies mess look for a really for Kinder level in and my parents live I won t do it a 16 year old mortgage for that. Does go to court? What expensive medical insurance coverage I am going on last year and had car insurance company in Where is the best me and my mom I m in trouble, right? price of 537pounds a medical marijuana cost? Does pretty high insurance... I ve kind of fine will Does anyone know where a few gcses but dent-- How much should to have to plan however, obviously mine wasn t. insurance to a car honda junker it still few speeding tickets, thats order to change it. x has an insurance .

For a 400,000$ car 17 year old. Quite Red...amber.. Green... My budget will my insurance cost? if you can t give my insurance rates? I be able to get just turned 16 so EXPLAIN in the longest need commericial coverage so is a good insurance of contact #? Thanks much I m looking at 90 in a 55 old, I m finding this hey, i am currently insurance would i have my policy with them? If I was a insurance for over 25 s my moms house and dealer will not let been quoted at $180-$190 expensive... where can I September the first with the car i am Louisiana sells the CHEAPEST a speeding ticket in a girl, over 25, of the car is I got into a is wrong with insurers continue receiving health care still covered by medical Ontario, Canada. Anyone know? bike (motorcycle) but insurance my rates or negatively with me how they who uses it as tell me the how and how much you .

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How to Replace Your Income with an Online Course

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How to Replace Your Income with an Online Course

Real talk – How do you currently make money?

Raise your hand if you are:

A freelancer thats feels like you have 10 bosses instead of one. You might be wondering, “where’s all this freedom I was supposed to get as a freelancer !? ”

A service provider or brick-and-mortar business owner. You feel like you’ve made a ceiling and have maxed out at how many clients you can take on at once. You know you just can’t maintain raising your prices forever, but you can’t create more time in the day, either!

A coach. You’re on 1:1 client calls all day and you’re repeating yourself to your clients because they all ask you the same thing over and over. You may feel chained to the computer because you need to be available to clients 24/7, and that’s not how you want to live anymore.

A speaker. The style you’re currently sharing your knowledge and expertise is through speaking on stages and teaching workshops in-person. You’re traveling like crazy, but it’s not the fun kind because you’re always on someone else’s schedule, never your own. You’re away from your home and family too much, and that’s not how you want to live. You’re speaking in a front of an audience of 20 – 100 people at a time, instead of being able to reach thousands of people at a time with an online course.

A full day employee, and you’re merely not employing your skills and your gifts to your full potential. You may love your job or can’t wait to put in your two weeks, but you have a drive to get your knowledge out into the world.

With these business models, you’re entirely maxed out with how many clients you can deal with or how much income you can earn.

You made an income ceiling, can’t scale at the rate you know you need to, and you aren’t able to feel that true freedom and control that you wanted when you started your business.

But here’s the thing – there’s a solution. Online courses.

It’s possible to replace your current income with an online course.

I know because I see it happen every.single.day with our clients. I get to witness them find the freedom they’ve been looking for and insure them reach and impact more people sharing their expertise with their online courses.

But how do you actually make the leaping from trenching “dollars for hours” to becoming a full-time course creator?

It takes strategy, run, and knowing your numbers. I’m talking real, hard numbers. :)

You will have major lucidity when you watch this video and do the exercise with me. People have told me that doing this quick but effective exercise has stimulated them realise they are in control of their revenue.

If you’re planning to transition into a full-time course creator this year, this is a MUST WATCH.

Apply for the Accelerator

In this post, we’re getting into the math behind replacing your current income with a sustainable, thriving online course business.

Watch the video above to watch me walk through making a plan for your online course business.

Get out your notebook, a pen and a calculator( or a spreadsheet if you’re into that kinda thing) because we’re going to be using numbers based on YOUR own life and business.

Ready? Let’s dive in!

Step 1: Figure out how much you need to attain to replace your current income.

Think about it this route: What do you need to build to simply be able to say no to 1:1 clients or to leave your 9-to-5 job? Maybe it’s only $5,000/ month right now. It could be more or less. This number is unique to you.

Remember, this isn’t a big, dreamy income aim you’re pulling out of thin air. A mistake people often stimulate is to set arbitrary objectives like “Make 250 k in the first year.” Think about this realistically.

How much do you need to induce to replace your current income?

For most of our clients, that number is closer to $ 60 k/ year, but write off what that real number is for you.

In our instance, we’re going to use $ 100 k/ year to keep the math simple. This does not mean that should be your goal! I’m only employing round simple numbers for my sake of doing math :)

Action Step: Write down the annual income you’ll need to replace your current income. You’ll be referencing this number for the rest of the exercise.

Step 2: Figure out how many online courses you need to sell at what cost point to construct that amount.

If we’re aiming for $100 k, we need to figure out how many courses we need to sell at a certain price to induce that amount.

Courses can range from anywhere from $97 – $ 2,000+ based on the course structure, the value, the audience, etc.

You may not know your course value right now, but merely guess! You can start low and run your way up as you continue to refine the course. You can play around with scenarios and assure what feels best for you.

You could start with $ 500 as a good estimation of how much you will charge for your course if you don’t have a sense yet.

We help our clients nail their pricing in our Accelerator program, since it’s such an important piece of the online course business puzzle. Apply now here .

If you’re looking for a more “go at your own pace” course, you can get on the waitlist for our Launch Your Signature Course( r) program HERE .

For example:

$500 Course Price x 200 Marketings per Year= $100 k

$200 Course Price x 500 Sales per Year= $100 k

$2,000 Course Price x 50 Marketings per Year= $100 k

We’ll be using the $500 price point for the rest of this exercise as our example.

How much of an audience does it take to reach these goals?

You’ll be aiming to grow your list to 5,000 – 10,000 email subscribers over the entire year( you don’t have to have that many to start !).

This is a pretty big gap, but the number of people who will buy your course from your listing is dependent on a number of factors like your audience, price phase, marketing, your strategy, etc.

Don’t get overwhelmed when you look at these subscriber numbers.

This isn’t where you need to start, it simply means that over the entire year, you want to build up to this subscriber number or whatever it objective up being for your unique objective. It’s best to start with at least 1,000 subscribers when you launch your course the first time.( Don’t have 1,000 email subscribers yet? Check out Your First 1K for strategies on how to get there .)

Action Step: Write down your course cost and how many sales you need, working backwards from your income goal.

Step 3: Figure out how many courses you need to sell per month.

Let’s get granular and violate your goal down into the smallest increments possible. When thinking about a big goal, it can get overwhelming fast. Adding 5,000 people to my email listing? Selling $80 k in courses? It can feel impossible!

We need to break it down into smaller chunks. “Thats what” I do for any big objective – I always break it down into the smaller pieces and that’s when it starts to click and become realistic!

We need to figure out how many marketings you need to hit per month to construct your goal.

For our instance:

200 marketings/ year=

17 marketings per month … about 4 courses per week.

That feels much less overwhelming, doesn’t it? It’s entirely feasible, especially with the strategies we teach in our Accelerator Program.

Action Step: Divide your annual goal by 12 and write down how many courses you need to sell each month to make your goal.

Step 4: Figure out how you want to reached your monthly sales aim each month.

Our entire strategy for creating a sustainable, flourishing online course business is based on our 3-Part Framework for Consistent Course Sales. This is the framework that has allowed our clients to build 6-7 figure course industries that are resilient and profitable( not just vanity metrics ).

When you apply for the Accelerator program here, I’ll share more about the behind the scenes details of the 3-Part Framework in a special video we only share with applicants. Fill out your application here .

Our framework is a holistic ecosystem made up of launchings, webinars and evergreen funnel marketings that works together to create a thriving, sustainable online course business.

Finding that right combination of these three strategies is what is going to bring in those consistent profits.

Understanding the right strategies for you and how they interact with each other in an interconnected way is where the magical happens.

Launches

My realistic goal was 10 students … I enrolled 47 students and had a $ 16 k first launch. Thank you Mariah and the whole team for creating such a great program! Love love love!

— Leigh Loren, Lust Lyftet

You’ve probably heard of this idea of launching your course a couple times a year and bringing in a lot of marketings during the launch. Launches generate cash injections throughout the year, but a launch is not a business.

I repeat! A launching is not a business.

They are a burst of income, but you can’t build a sustainable business on income explodes alone.

If you simply did launches:

200 marketings= 2 launchings per year @100 enrollments each.

200 marketings= 4 launches per year@ 50 enrollments each.

Our clients combine launchings with the other strategies( keep reading !) to create consistency without “il rely on” 2 big launchings per year. You don’t want your whole business riding on 2 promotions per year.

That’s why we incorporate ALL the following :P TAGEND

Webinars

Webinars generate weekly and monthly revenue, which is why we’re such a big fan of them.

You can build course marketings on demand once you understand how to do a high-converting webinar.

Imagine having the skill to be able to sell more courses whenever you want, on demand. That’s possible with webinars.

Some of our clients decide to do 1 or 2 live webinars a month to their audience to bring in sales.

If you were just do webinar and not even doing launches or evergreen funnels, in order to hit 17 marketings per month, you could 2 webinars per month and build 8 or 9 sales each webinar.

What audience size would I need for my webinars to attain 8 or 9 marketings?

It’s different for every audience, but you can usually construct 8 or 9 sales on a webinar with about 100 – 200 people registered( depends on many factors of course – your audience, price, pitch, etc ).

When you have a high-converting strategy, you don’t need to have a huge audience for webinars to work! Getting a couple hundred registrants is perfectly doable with a few weeks of promotion with the strategies we teach .

Evergreen Sales Funnels

An evergreen marketings funnel is an automated way to build sale of your course year round.

Evergreen funnels are the most hands off, passive( leveraged) and automated part of the system.

This is something you learn how to create in our Evergreen Engines( tm) program.

( If you want more a more hands-on experience with coaching from our team, check out the Accelerator, we can help you build an evergreen marketings funnel .)

Evergreen marketings funnels are based on what has worked best for you during your live launches and live webinars, so this won’t be your first creek of income.

Evergreen funnels are the ultimate goal of every course inventor. By the time you’ve turned on your evergreen funnel, you’ve been through a few successful launches, you’ve built out an amazing series of emails, and you’ve probably got a great, highly converting webinar.

Evergreen funnels are great because they bring in automated course marketings that you can count on every single week.

Even if you only had an evergreen funnel( and weren’t doing live launchings or extra webinars ), constructing 17 marketings per month would entail about 4 marketings per week or 1 sale every other day.

You can see it’s very doable!

Each strategy on its own is powerful, but blended you are unstoppable!

The thing is, you won’t JUST be doing one of these 3 strategies.

You won’t only do 2 launchings per year, or a monthly webinar, or only an evergreen funnel.

You’re going to combine them into a holistic, resilient model that is tailored to YOUR personality and goals.

What is the best combination of these three strategies that feels good to you?

Some people love launching cycles and don’t like webinars, so they are dependent upon more marketings in their launches. Others will focus heavily on evergreen, and sprinkle in live webinars.

This is completely customizable to you.

Action Step: Write down how many courses you are able to sell through launches, webinars and your evergreen sales funnels throughout the year.

Here’s an example:

40 sales from launchings: 2 Launchings per year@ 20 sales each

100 sales from webinars: 20 webinars per year@ 5 marketings each

60 marketings from an evergreen sales funnel: about 2 sales per week

Step 5: Take action.

I enrolled 36 students and constructed $19,675. Super glad I had you to help plan the launch, I would have been clueless as to what to do otherwise. When you join the Accelerator, you don’t have to worry about any of the’ what the hell should I be doing’ and you can just follow the step-by-step instructions and focus on do the work well. When you join you also don’t need to spend time going in mental circles and down a rabbit hole trying to find answers. Meaning you can get on with the work, and stop doubting yourself!

— Paige, DIY Squarespace course

Check it out – you just made an actual plan to replace your current income and become a full-time course creator!

This is the start of planning the transition from service provider/ coach-and-four/ freelance to online course creator.

Feels good, doesn’t it?

If this business model sounds good to you, don’t just let this live in your notebook.

Take action and let’s get that unbelievable knowledge already in your brain packaged into an online course!

You cannot put world prices on having someone literally walk you through the exact path to getting your business to the next level. I’m so grateful that I expended, because I can see the alter being stimulated. In two years, I’m going to write Mariah and Megan a note saying’ Thanks for help me get to 7-figures’ which is how confident I am in my ability and the foundation that this course is laying for me.

— Lauren Caselli, event scheming course

In our Accelerator Program, we help you find the right combination of launchings, webinars and evergreen funnel sales that works best for you, your product and your lifestyle.

Learn more and apply for the Accelerator here.

We can’t wait to see what you create!

Read more: mariahcoz.com

#launches #webinars

[themoneybuff-blog]

Questions About Checking Accounts, Nintendo Switch, iPods, TSP, and More!

Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Great advice for job seekers 2. Old hometown checking account 3. Making your own seasoning mixes 4. Inexpensive Nintendo Switch games 5. Partner has extreme debt 6. TSP contribution questions 7. Uses for old iPod? 8. Job search not that simple 9. Value of authenticating sports cards 10. Financial independence and career plans 11. Advice for selling books 12. True hourly discretionary income question I wanted to offer a little update on my switch to a standing desk for professional purposes. About two weeks ago, I moved my main workstation to a standing desk. The purpose for doing this was to significantly reduce the amount of time I spend sitting in a given day, because sitting for your job all the time has some negative long term health consequences. I did recognize that doing this fully cold turkey is a bad idea, and so I planned from the start to do it in stages. My plan was and still is to use the desk until I felt noticeable discomfort, then switch to a laptop in a chair for a while, then maybe alternate back later in the day. My goal was to simply raise my average time at the standing desk a little each week as I strengthen different muscle groups. After a couple of weeks of doing this, Ive found that the big impact has been on my lower back, with a smaller impact on my feet. Im able to work for about four to five hours a day at the standing desk, with other work time spent sitting in a comfortable chair with a laptop. What generally happens is that my lower back starts to get sore, not in a something is broken way but in a this is a muscle thats getting taxed due to exertion and needs a break way. Ill sit down for a while and itll feel much better. However, its constantly experiencing a low-grade soreness, the kind of soreness that happens when you exercise a muscle group. Theres nothing wrong here if I felt something wrong, I would stop using the standing desk for a while. However, it can be a little uncomfortable. Ive had some very minor foot discomfort, mostly on my heels, but nothing significant and it honestly seems to be fading over the last few days. Its hard to tell yet whether or not the standing desk is improving my health in any notable way. I certainly dont think its been bad, but I havent noticed a big health improvement. I do exercise most days, so thats definitely a positive factor, but its hard to extract the benefits of standing with the other benefits of exercise. I think its very likely that there have been some minor benefits, and I likely would have noticed more if I didnt already exercise. Its all about feeling healthy for as long as possible. On with the questions. Q1: Great advice for job seekers I wanted to share some advice from my own experience as an interviewer [in a large corporate HR department]. The big thing is that you shouldnt be hard on yourself if you interview for a job and dont get it. Often, there is already a candidate that is pre-selected and the interview process is a mere formality. Someone thought you were a good candidate and brought you in, but you didnt actually have a real chance at the job no matter how you interviewed. In fact, you should treat all interviews like that. Dont get stressed about them, because theres a good chance that theres already an anointed candidate. I would say that 75-80% of the time, we already have our minds made up regarding which candidate to hire before the interview process begins and interviews virtually never change our minds. Sometimes we will interview someone great and put them on a list of people to call in the future but almost without fail those people already have a job when we call them back. So please dont be hard on yourself if you dont succeed at an interview! And dont get overly stressed about it because theres a good chance that theres already an anointed candidate anyway. Just go in there and answer the questions and learn about the company and let the chips fall where they may. Alison This is great advice, and in line with some of my own hiring experiences in the past. I have been on all sides of this coin at various points. I have been the anointed candidate in a hiring process. I have also been one of the other candidates in a hiring process (where I knew someone else was anointed for an absolute fact). Ive also been involved with several hirings, some of which had strongly preferred candidates and some of which did not. The thing is, you never really know which kind of situation it is when youre interviewing. It may be a more open position where you actually have a good chance, or it may be a situation where you are one of the other candidates in an open process engineered to bring in the vastly preferred candidate with minimal questions. I think the mantra of dont worry about it is the right one here. Just go in there, answer the questions, ask some questions about the company, and move on and keep looking for the next interview or opportunity. If youre the right candidate, theyll call. Often, you wont be, and it wont be due to a fault of your own. Q2: Old hometown checking account I have left a checking account open at my old hometown bank for the last 20 years. It pays a very small interest rate 0.05%. I have a balance of about $1,200 in there. I have always looked at it as a last ditch emergency fund. If anything seriously goes wrong, Ill go there and use that money. But its just sitting there. Isnt there something better I could be doing with it? Dana I dont think theres anything wrong with having a last ditch emergency fund in a bank thats not easy to access. That idea is fine by me. However, its probably just going to sit there for a long time, so you might want to consider doing something with it that earns a better return. The next time youre in your hometown, stop by that bank and see what other options they have. Simply explain that this is an emergency fund for you and you want it in a place where it earns a little more, doesnt lose value, and could be withdrawn in an emergency but isnt likely to be withdrawn. Its very likely that theyll suggest a certificate of deposit, which is akin to a savings account except that it earns a bit higher interest rate and theres a small penalty for withdrawing it early. It wont take very long at all for the CD to earn more than the penalty for early withdrawal and then, after that, its onwards and upwards. Make sure that the bank allows you to automatically roll over the CD when it matures. Right now, with interest rates a bit higher than they were but still fairly low, Id choose a medium term CD, something in the range of one to two years. That will give you a higher interest rate than a short term CD but wont lock you in to these relatively low historical rates forever. Set it to automatically roll over, then forget about it until that last ditch emergency occurs. Q3: Making your own seasoning mixes Have you ever written an article about making your own seasoning mixes instead of buying mixes at the store? You can buy the component spices and mix them yourself and save a lot of money if you use seasonings a lot. I make an Italian seasoning and a chili seasoning and a toast seasoning myself. Margaret Toast seasoning? Youre going to have to send me that one. I have a bagel seasoning mix that I like to use on buttered toast sometimes I wonder if theyre similar. Although Ive mentioned seasoning mixes before and noted how its cheaper to make your own, I dont think Ive ever written a listing of the various spice mixes we have and how we store them. I store most of my spice mixes in large baby food jars that we still have from when our children were babies. I usually make them by mixing other spices by the teaspoon into a bowl and then stirring them thoroughly so theyre mixed, then I fill up the jar with the spice mix. I use masking tape for labeling. Using a mix is a learning experience. Over time, you start figuring out how much to put in stuff. Our chili mix, for example, usually takes a tablespoon and a half per batch, and a batch fills up our slow cooker about halfway. I could write a full post about this if theres interest, including some of my recipes. Just send me a message on Facebook if youd like to see that. Q4: Inexpensive Nintendo Switch games My husband and I bought our son a Nintendo Switch for Christmas. It is his first video game console and he had been asking for it all year so it was really fun to see him open it. Both sets of grandparents got him a game for it so he has had two games to play. His birthday is coming up soon and we asked him what he wanted and of course he wanted a Switch game. We asked him for a list of the ones he wanted and it has 15 or so games on it. The problem is that they are all $50 or more. Why are Switch games so expensive? Our full birthday gift budget for him is $50. Can you help? Anna This is a consistent challenge with Nintendos consoles, and it has been since the 1980s. Nintendo makes very high quality exclusive titles for their consoles those are usually the ones that wind up filling wish lists for console owners but they rarely go down in price until later in the consoles production cycle and the Switch is a pretty young system. Trust me your son isnt being greedy here. Hes probably listing most of the best games for the console, but they all happen to be expensive ones. I would guess that in a year or two, Nintendo will have a line of some of their top titles from a few years prior as Platinum titles for a much lower price point around $20 but were not there yet. So what can you do now? My recommendation is to visit a video game store that sells used games, like Gamestop, and see what they have available for the Switch thats used. Switch games, as you know, come on small cartridges, so its very easy to test a game to make sure it works you can ask them to test it before you buy. Getting a game used in the original packaging will still cost 50% to 75% of the sticker price and the selection may be a bit limited, but this is probably a fairly safe bet for getting one of the games he wants within your price point. A used Switch game is just as good as a new one in terms of someone focused on actually playing the games, so Id look there. Another approach would be to give him a gift card to the Nintendo eShop. There are a lot of very good downloadable titles for the Switch, and you use those gift cards to buy those downloadable titles. While this wouldnt give him any of the games he specifically wants, it would enable him to get a couple of games at least, and there are some very good games for $9.99 or less on the eShop. Q5: Partner has extreme debt I recently discovered that my bride-to-be (June) has about $140K in student loan debt. She had said that she had some student loans in the past but I did not have any idea how much. I am very uncomfortable with being saddled with that much debt. This has caused a great deal of conflict between us over the last few months and I found this out during the holidays. I am not sure what to do. Daniel The biggest factor Id look at is her day to day behavior right now. Is she a frugal person? Does she watch her nickels and dimes? Is she committed not in words but in actions to getting that debt paid off? Is she making extra payments on that debt? If you see that, then I wouldnt fret about it. On the other hand, if she seems to think that such a big debt isnt a big deal, she spends money frivolously all the time, and she isnt making much progress on that debt I would think very, very carefully about this relationship, because thats a value mismatch thats going to chafe for years and years. Beyond that, I would also consider what kind of field that her degree is in. Was the degree she earned in a field with a high income potential, or was it something that will never earn a substantial income? Also, Id look at other factors, like whether or not parental support was promised and then denied. If shes aiming for a high paying career, such as medicine or law or some types of engineering, I wouldnt worry too much about it. If she took out that much debt for a career path that has a very low likelihood of earning a high salary, I would be really concerned. I would also be concerned with that level of debt if there was also significant financial support from her parents where did all of that money go? The challenge with marriage is that you are financially tied to each other in a very deep way and her choices regarding the debt she took out for her education are indicative of the decision making process she will likely employ going forward except now youll be financially liable for them. Having that much debt unless you are both high income earners will significantly affect your life decisions for a very long time, likely for the rest of your life. It will delay your ability to have children that you can support financially, for starters. It will alter both of your career choices and possibilities. It will delay your ability to have a home of your own. I guess, in this situation, what I would really look for are signs of financial maturity beyond that of the student loans. Is she focused on repaying that debt with or without you? Is she making the most of her degree? Does she spend frivolously? I cant answer for you whether this woman is worth it to you. She may be perfect for you in every other way, in which case youll be happier with her. However, having that much student loan debt, and given the alarm bells it sets off in your head, is a sign of likely incompatibility over financial issues, and thats not a recipe for a great marriage. As always, conversation is key, as is paying attention to her actions. What kind of steps is she taking (not just talking about, but taking) in her life knowing that huge debt is sitting there? If youre struggling to answer that and this debt makes you this uncomfortable, this may not be the best situation for you. Q6: TSP contribution questions I am 36 years old, single, no children, no plans to ever marry. I just got a government job that I hope to keep for the rest of my life. Knowing that I am receiving FERS and Social Security already in retirement, how much should I contribute to my TSP to be able to have a comfortable retirement?Want to retire at 65 and have about the same amount of disposable income when I retire. Janine For those unfamiliar, FERS is the pension plan for US federal government employees. TSP is an optional 401(k)-like plan for additional retirement savings. Based on this, FERS should provide about 33% of your final salary when you retire. Social Security, depending on your income level, will provide somewhere around 30% of your income. That means you need to make up about 37% of your income from TSP. If you contribute 5% of your salary to TSP, the federal government matches another 4%. Above that, theres no matching. Given all of that information, I ran some back of the envelope calculations and conclude that given your age and your aim to retire at age 65 with your full salary intact from your various retirement sources and that you want to be able to draw from TSP for the rest of your life, you should contribute 15% of your salary to TSP. This should enable you to withdraw enough from TSP each year to make up your salary shortfall when you retire at age 65 and the TSP balance should last for the rest of your life. Youll want to invest TSP fairly aggressively the target retirement options should work. While I cant guarantee that 15% will get you there, I can certainly say that it is extremely likely that it will either get you there or get you very close to your goal. Q7: Uses for old iPod? Found an old iPod in a desk drawer along with charging cable. Is there any use for this or should I just junk it? I powered it up and it turns on just fine. Adam I dont own an original iPod (I had one way back in the day but I sold it off circa 2007-2008), but a friend of mine keeps one in her car and listens to music with it every day using a cassette tape adapter. You could do the same thing with an auxiliary cable if your car has an AUX port. Just load it up with mp3s of a bunch of music and/or podcasts that you like, keep it in your car, and listen to it during commutes. If you have a charger that hooks into the cigarette lighting receptacle in your car, then you can plug into that and keep it permanently charged. My friend has hundreds of albums that she loved in her teens and twenties. If you like alternative or indie rock from about 1990 to about 2007, theres a good chance youll find a ton to love on her iPod. Just fill yours up to the brim with stuff you like and youll always have something to listen to. You can fill it up with the full archives of a podcast and listen to the entire run of a podcast, too. Old iPods are great for these kinds of things. In other words, use it for what it was intended for. Load it up with audio. Q8: Job search not that simple While I appreciate your regular encouragement to go find a new job if your current one is sapping you, its not always that simple. I have been working as a legacy systems programmer for the same company for 16 years. Most of my day is maintaining old code, migrating it to new machines, and dealing with corporate [nonsense]. I literally hate going into work each day. There arent any available jobs nearby that match my skill set. Trust me, Ive looked. I cant move because my daughter has particular health care needs and needs to be near a top notch medical facility. That also means I need good insurance. I cant just go into work and say, Well, time to find a new job today! Thats just a pipe dream. Terry All right, so what jobs are available in your area that are close to your skill set? Youre obviously in a metro area of some kind. I guarantee there are programming jobs in that area. Whats actually available? What things are most similar to your skillset? Once you know that, start honing your skillset at work so that you can make that leap. Learn how to write tools that will help you with the legacy coding you already do. Start trying to port your legacy code over to a new language for modern systems during your downtime. Use this as an opportunity to learn new languages and paradigms. Get involved with any and all local software development groups. Try to go to their face to face meetings and get heavily involved in any online spaces they have, being as helpful as you possibly can there. Build up some good relationships in your field, then just casually ask about positions that match your refurbished skill set. Also, keep your resume honed on LinkedIn so you can be discovered by people who might be looking for folks in your area. Dont aim for hopelessness. Aim for a light at the end of the tunnel. You can do this at any job. I had a job where I was literally shoveling dirt for hours and hours during the middle of the night by myself and yet I found ways to aim that toward my next step. Q9: Value of authenticating sports cards I have a bunch of sports cards mostly baseball and basketball from the 1960s. I have looked at selling some of them individually but when I look online almost all sales are authenticated cards in a special holder. I looked into this and it looks like you send your cards to an authentication service and pay them a fee and they put them in a special plastic holder with a tag that says its authentic and gives it a grade for its condition. Is this worth it for selling trading cards? Are there ways to sell cards without this kind of service? Marvin You basically described the sports card authentication world pretty well. It exists because there was rampant fraud in older sports cards and other trading cards for a while, so some reputable dealers popped up and started offering authentication and grading services so that people would know exactly what they were buying. Its become the de facto standard for any sports cards of significant value. Basically, if the card is older than about 1975 or so, the player has any name recognition at all, and the card is in reasonably good shape, youre going to make more money selling it after authentication than before, even including the cost of authentication. If its a no-name player or its beat up, youre not going to make a whole lot for it anyway, as people will just want those to help complete sets and they wont sell for more than pennies. What Id do is look for Hall of Fame caliber player cards from your collection (or, as a friend of mine said, Hall of Famers plus Pete Rose) and get those authenticated to sell individually. The rest, Id just divide out by set and sell in bulk. (I have an almost complete 1965 Topps set missing just a few commons that Ive worked on for literally decades, so Im fairly familiar with all of this.) Q10: Financial independence and career plans So how much financial independence would a person need to be able to have full career independence where you still want to have a career but you just feel empowered to make whatever choice seems exciting to you without really worrying about salary but still assuming youre earning a decent salary to live on? I make about $80K and think I can live well on about $40K so my savings rate is about 30% after taxes. How many years would I have to do this before money exits the equation as a career consideration? Barney I think the real question youre asking is how much do I need to save so that retirement is fully covered? This calculator is probably my preferred one. Youll want to play around with different settings to see how long youll need to save to hit your goals. The further you are from retirement, the lower your total savings goal will be. Also, if you assume Social Security benefits will come to you at rates similar to whats available today, the lower your total savings goal will be. You may even be at your target in several years. However, Id still recommend that you save for retirement after you hit your goal number if youre earning a good salary. This allows you to walk away even earlier if you just get tired of the rat race before a typical retirement age. Q11: Advice for selling books I have a collection of hardback books I want to sell. What is the best way to get maximum value for them? Tracy First of all, it depends a lot on what books youre exactly trying to sell. Are they novels? Cookbooks? Old Dungeons and Dragons books? Encyclopedias? Youll want to go to eBay and try to get a sense as to what theyre actually worth. You will probably get the maximum value from them by selling them individually. However, that is exponentially more work for only a fairly modest rate of return. You might be able to sell a lot of ten books for $20 or sell them each individually for $3, for example. Is that extra effort in packaging and shipping and tracking and communication for nine additional packages worth the $10 to you? Another note: if youre selling books, USPS Media Mail is your friend. Its a highly discounted shipping rate that applies to sending books through the mail, and it comes with a tracking number. (Its cheap because its slow and USPS knows a book can sit in a warehouse for a day with zero problems.) You should always use this when shipping books and magazines. Q12: True hourly discretionary income question I understand how this perspective helps to highlight the high cost of non-necessary spending now in terms of lost leisure in the future. But I think it overstates the cost of non-necessities in terms of hours worked. In your example where your annual net wage is $34,000 and your annual work hours is 2,740 (so you net $12.41 per hour worked) and your necessities cost $24,600/year, you should account for 1,982 work hours (= $24,600/$12.41 per hour) as covering necessities, leaving 2,740 1982 = 758 hours for non-necessities. In each of those 758 hours, you net $12.41/hour, and that is the cost of your necessities in terms of hour worked. So a $50 board game costs you $50/$12.41 per hour = 4 hours, not 10.5 hours. The key is to see that you still actually net $12.41/hour, regardless of whether those earnings go to necessities or non-necessities. One way to see this is to realize that the approach in the post can lead to unrealistic implications for the hours of work required to purchase non-necessities. For example, suppose in your example above, necessities are only $10,000 year, and non-necessary spending is then $34,000 $10,000 = $24,000. If your hourly wage for non-necessities is really $4.96/hour like the post says, then it would take $24,000/$4.96 per hour = 4,838 hours to earn that $24,000. But you earned the $34,000 with only 2,740 hours, so something is wrong. Max Max is referring to this article from last week, Using Your True Hourly Discretionary Income to Make Smarter Purchases. Youre just looking at the same issue in a different way. Rather than looking at each hour as being subdivided between essential expenses and non-essential expenses, youre doing the same thing with the total hours over a year. In that example, then, 1,741 of the hours you work essentially earn you nothing in terms of spending money, because all of it goes to essentials. So, frugality in essence just means that youre migrating some of the hours you work from your pool of hours spent on essential expenses to the hours you work for spending money. My angle was different. I divided the income from each hour into essential expenses and spending money. The essential expenses gobble up $7.45 of the $12.41 you earn each hour, while your spending money makes up only $4.96 of the $12.41 you earn each hour. So, then, you judge whether an expense is worth it using just the $4.96, since its the only portion you can actually freely spend. In this case, frugality moves a little bit of money from the $7.45 essential expenses per hour pile to the $4.96 spending money per hour pile. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-checking-accounts-nintendo-switch-ipods-tsp-and-more/