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#a reminder that this is the lowest of the low ways to scam you
chocochococoffee · 2 years
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Hi there, im really sorry. I know its kinda inappropriate to ask for a favor like this but I just wanted to ask if you could possibly share or boost the post I pinned for my cat. We're in desperate need of help right now. I hope youd consider, if not I understand dont worry. Be safe always! Pls do send me a msg or answer this ask privately if possible <33
guess who received the sick cat scam
fuck you
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gracklefan · 2 months
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I was addicted to writing kafka-esque stories.  I would like to say that I started writing them before I started reading kafka, but that would not be true.  I used to think that every story needed to have a kind of basic setup. after i read kafka is when i started writing stories where the conflict was beteween the individual and an all-ecompassing, suffused dread. i would like to say i felt moved to write these pieces before reading him, but that was/is not the case. If you feel constatnlyy doomed, what does it mean to feel really doomed? If you’re full of dread how to identify real and present dangers? I felt doomed and concerned about my story and about the vitality of my story and about its ability to survive in the world. And If i could transfer this feeling of doom, into a story…. Well the possibilities were intoxicating.
The squirrel, the squirrel preparing for winter, in central park right where the highway cuts in. I went to the park and I sat on a rock and I was in a footpath. The dead leaves were on the ground and I felt the lowest of low. I oculd not tlel you why. I could not tell you precisely why. I watched the squirrels and they were acting particulalry strange. And seeing them - about three- plotting and scurrying in three different patches - i felt entertained. It was the despair that one could only feel with the strength of midday. In the park the carriages, with their laminated price signs, and the park ‘regulars’ who spoke about different things, about scams, and about how people needed to “read a book.” I walked the mall some times in the park. To have  a good time in the park was a nice thing and a sad thing, because when you left the park, you were no longer having a good time. I removed myself from the place i was at and i went ot the park and i got lost. I could not tell my way out. They still had ice skating at the park, although it was so warm. They played music at the rink, music which when it swelled over the kind of natural bowl shape of the land the rink was in, did somewhat cheapen the experience of being in the park. I swore i’d been to the park many times before, as a child, and as a tourist, and it had this heartbreaking inscrutabiliyt for me, this sense of the passage of time which hurt almost, i remember walking over the same swells of the park as a child and wondering where we were, accepting it, all unconsciously. I felt in pain to be in the park among the waxen leaves, and the bench dedications, and the busts. I felt alone in the park because no one would ever come up here with me. I felt grief in the park for the life I was living which no one understood and was always trying to talk me out of. I felt stupid in the park, just a dunce with no cap. I had to remind my self i did not do things for external validation or merit. I did them to do them… i swore i couldnt even think, i felt so crippled by the pain and by the intensity of my deprivation. I felt so crippled and diminutive and stunted by my life and mind, and felt like i was a plant growing itn the shade. In the park i imagined taking your kid here to play, and that kid growing up and having these dismal thoughts. I wondered if my pain was needless. I wondered if it was a sign 
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askkrenko · 4 years
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Krenko’s Guide to Pokemon: Farfetch’d line
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Sometimes a Pokemon is designed to be a playable thing, but just doesn’t mesh right and so winds up a bit weak. Sometimes a Pokemon’s designed to be an interesting early game choice that caps out fast and stops being useful late game. And sometimes some jackass in Vermillion City scams you into trading a perfectly usable Spearow for a useless duck that’s only useful as dinner that you can’t even eat.
DESIGN:  
Paradoxically, the worst part of Farfetch’d is that is design is SO COOL.  Farfetch’d has huge wing-hands and a leek weapon so despite just being a duck it looks like it’ll kick your ass. Farfetch’d looks like something that would stare down a Legendary and insist he’s got this, and then somehow actually pull it off. Farfetch’d is awesome. So why is this a problem? Because it can’t put its money where its mouth is. It looks badass, but it sucks. Usually you can tell how strong a Pokemon is roughly by how it looks. Farfetch’d looks like the hero, but it’s a total zero. Galarian Farfetch’d is basically the same design, but with an even bigger leek. Also it’s darker. On the one hand, I’m disappointed that there’s not much more interesting about it, but on the other hand, why mess with a good thing? Galarian Farfetch’d just looks like a slower, stronger Farfetch’d using a big two-handed weapon.
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And then we’ve got Sirfetch’d. Now, overall, I do like Sirfetch’d’s design. Its leek is grown larger, cut into sword and shield, and it wields them as a proper knight. It stands upright straight and tall, and is pure white, looking less like a scrappy badass and now like a proper hero. My big problem with Sirfetch’d is actually a symptom of my problem with the line as a whole: its coloration and stance make it look like an evolution for the Johtonian Farfetch’d (not Kantonian- there’s no wild population there), not the Galarian one.  Galar’s Farfetch’d are clearly two-handed power attack builds, while Johtonian Farfetch’d could easily go from one-handed sword to sword and board.
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EVOLUTIONS: 
 Johtonian Farfetch’d doesn’t evolve at all. Its a single form Pokemon. Single form Pokemon are really only interesting late game. Otherwise they’re picked up and quickly discarded. Farfetch’d is the poster child for this. In Red and Blue, you have to trade a Spearow for it. The issue is, it’s worse than Fearow, and by the time you get the opportunity to trade for it, you can easily just have a Fearow. Farfetch’d really needed an evolution. There was one in an early version of Gold and Silver called Madame, but honestly, it’s stupid looking and I’m not unhappy it got cut. Here’s an artist’s rendering of Madame thanks to Dr. Lava. I get it, but it’s not worth it. 
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Galarian Farfetch’d evolves into Sirfetch’d after landing three critical hits in a single battle. This is... weird and silly, but actually entirely reasonable to do. If you equip a Leek and use an attack with a heightened critical hit chance, the real difficulty’s just finding something that survives the three crits. My big issue here is that, as far as I know, nowhere in the game do they TELL you this is how to do it. I get that some pokemon evolutions are more mysterious than others, but as things tend to die from being critically hit multiple times, it’s unlikely for someone to find this without looking it up online. Pokemon’s got a lot of evolution methods like this, and frankly, it just needs to stop.
But my biggest issue is that I don’t see why we even needed Galarian Farfetch’d. Farfetch’d could’ve just evolved into Sirfetch’d. Maybe make it Normal/Fighting to suggest that it can no longer fly because it’s got its big weapons now but it’s still the same bird. Instead, it feels like they gave us a new Farfetch’d just to justify its evolution, but we didn’t need a new Farfetch’d and now this just means the old one STILL can’t evolve. Now, this isn’t to say I don’t like it when forms get their own evolutions. Cursola’s a really cool thing that wouldn’t have made sense coming from a classic Corsola, and Obstagoon coming from Galarian Zigzagoon feels more like “what if we do this instead of making its pre-evolutions” and less like “Hey, let’s make a new final Zigzagoon form.”  And of course Perrserker and Runerigus are just too heavy variant from the classics to share a name. But Sirfetch’d here feels like Johtonian Farfetch’d is getting cheated out of the evolution it deserves. 
I’ve got mixed feelings on Mr. Rime, too, but we’ll get there when we get there.
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TYPING:  Farfetch’d is a Normal/Flying, which is too common, especially in Red and Blue. With two immunities, two resistances, and three weaknesses, it’s fine, but Normal’s not supereffective against anything and Flying only hits three types and is resisted by three, so it’s not very useful offensively. Also, there’s just way too many straight up better Normal/Flying Pokemon. Like the Fearow you had to give up to get a Farfetch’d. Sirfetch’d is pure fighting, so three weakensses, three resistances, and a lot of interactions offensively. On the plus side, five things are weak to fighting. On the minus, five resist and one’s immune. This is a problem for pure fighting type Pokemon. It’s not really a great type to be. STATS:  Farfetch’d suuuuuuucks.
We’re looking at a FULLY EVOLVED Pokemon here with a stat total of 377. Its highest is 90 attack which, sure, is pretty alright, but the rest of its stats range from 52-62.  And that’s after a later generation buff. In the early games its attack was only 65.  Let me remind you that Fearow, which you had to not get to get a Farfetch’d, has its lowest stat at 61 and the same 90 attack. It’s just better.
I don’t want to too often discuss how a Pokemon’s problem is another overshadowing it, but it’s so important with Farfetch’d because it was originally an in-game trade, and it was an in-game trade that was just a bad deal. But even otherwise, Farfetch’d is pretty rare in any game its in, wheras Spearow are a dime a dozen. And Fearow’s still got three Normal/Flying types in gen 1 that are just better than it. Farfetch’d is really, really bad and deserves an evolution. Galarian Farfetched has near identical stats (+5 attack, -5 speed) but... it evolves.  And SIrfetch’d has 135 attack. The rest of its stats aren’t great- its speed is a bit low, and its defenses average out to about average, but 135 more attack than a Machamp, and 65 Speed is still faster than one. It’s more fragile, sure, but it’s a tradeoff.
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ABILITIES: Farfetch’d has the usless Keen Eye, but both Defiant and Inner Focus are solid abilities, and both of them prevent the effects of Intimidate, which is helpful on a physical attacker.  If Farfetch’d had an evolution, I could see suggesting either, with Defiant better for higher speeds. But Farfetch’d is just a useless waste of space, so moving on. Sirfetch’d has Steadfast and Scrappy. Steadfast increases its speed when an opponent makes it flinch, which is fine but not what we care about.  Scrappy allows Sirfetch’d to use Fighting (and Normal) attacks on Ghost Pokemon, which gets rid of its easiest potential roadblock. Sure, there’s still plenty of things that resist Fighting type, but getting rid of an immunity is useful... even if Sirfetch’d learns plenty of Dark moves to cover that anyway. ITEMS: Most of the time I’m not going to talk about items, but it’s important to note that the Leek item raises the Farfetch’d line’s critical hit ratio by two stages. That means a 50% chance to score a critical hit on all attacks, or a 100% chance to crit with any high-crit move.   As a critical hit deals 1.5x damage and normally has a 4% chance to fire, this is roughly a 23% damage boost on all your moves. It’s not as much as a Life Orb or Choice Band, but it doesn’t come with a drawback, and critical hits ignore Light Screen, Reflect, +Defense, and -Attack, with the last one meaning Leek gives some Intimidate resistance.
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MOVES: 
I’m not really going to talk about Farfetch’d’s moves here. There’s no reason to use Farfetched in a real battle.
Sirfetch’d signature move, Meteor Assault, is as strong as Hyper Beam, but is a physical fighting move. ... But Sirfetch’d can also learn Close Combat and despite the lower damage, taking a defense hit is far less terrifying than skipping a turn in a competetive battle.  Killing something with Meteor Assault is an invitation to be taken down by a Psychic attack. With Close Combat you can at least switch out. After that is the question of coverage, of which Sirfetch’d doesn’t really have many options. With STAB Meteor Assault having a base power of effectively 180, it’s generally ‘fine’ even when the opponent is resistant.  Still, Sirfetch’d has options for other moves, such as... First Impression:  One of very few Pokemon that learn this, First Impression is a powerful, high-priority Bug move. Its primary purpose is to kill fast but fragile Pokemon that could revenge-kill Sirfetch’d, especially psychic types like Alakazam. Knock Off: Almost every competitive Pokemon uses an item, so if you’re not about to get your day ruined by Acrobatics, Knock Off is a 97 power move that messes with your opponent’s strategy. 
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Defog: Sirfetch’d just learns Defog. It doesn’t do much with it’s strategy and it’s a slow pokemon, but sometimes you just need to Defog. Swords Dance: You all know I love Sword’s Dance. It’s not as good on Sirfetch’d as it doesn’t have the defenses to set up or the speed to sweep, but it’s still worth noting. Leaf Blade: I really want to recommend this as a 90 power attack that always crits if used with a Leek, but... it only hits two of the things that resist Close Combat, and First Impression is just better for Psychic opponents.  Brave Bird:  Not single type resists both Close Combat and Brave Bird, and Brave Bird is very strong. Yes, it hits you back with a lot of recoil, but you can afford recoil if the other Pokemon’s down. Poison Jab: Poison Jab is supereffective against Bug and Fairy types, both of which resist Close Combat.  Sirfetch’d can also learn Sunny Day and Solar Blade, but that’s basically just being cute and not something I’d recommend except for fun. An ideal moveset for Sirfetch’d probably includes Close Combat, Brave Bird, and First Impression, with the last move based on the needs of your team.  OVERALL:  Sirfetch’d fills me with the same annoyance that I’ve gotten from Pokemons Crystal, Emerald, Platinum, and Ultra Sun/Moon. Yes, I love that they added an evolution to Farfetch’d. I appreciate everything about Sirfetch’d as a Pokemon... but MY Farfetch’d can’t evolve? I have to go out and get an entirely new Farfetch’d that’s 90% the same so I can get this expanded better version? You can’t just sell me some Farfetch’d DLC like an item that makes Farfetch’d evolve when you trade it, or make it so Farfetch’d could just evolve the whole time? And Sword and Shield’s willing to do that- Leafeon is just Leaf Stone now, and I could get an Eevee and a Leaf Stone back in Blue.
Is Sirfetch’d good content? Sure. He’s got solid stats, some interesting moves that can be hard to come by, and the ability to hit ghosts. But for a game where you can trade Pokemon from generation to generation, it feels like a huge cop out that Sirfetch’d comes from this new, not-actually-interesting “Galarian Farfetch’d” and our classic Farfetch’d is STILL a useless pile of junk that I traded a perfectly good Spearow for. 
Have I mentioned before that I love how Isle of Armor and Crown Tundra are just DLC instead of a brand new version of the game? Because that’s the best. Anyway, the point is, I want my Spearow back. It’s not like I was going to use it, but it’s the principle of the thing. 
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kelleyish · 5 years
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Tumblr, I tell you what. I’ve been having a difficult couple of weeks. I’m still kind of in the middle of it, too.  I’m having another “poor me” phase, and feeling very discouraged about everything. The business thing is still struggling, and I’m having trouble finding motivation to do things.  This in turn makes me feel like I don’t have what it takes to run my own business, and I should just go punch someone else’s time clock until I’m 70.
I’m sticking to keto, but truthfully it’s only because I went and put my car away in my garage a week ago, so I don’t have access to it to make midnight 7-11 runs. Nevertheless, every night my brain taps on my shoulder, asking if I should maybe steal my parent’s car keys, or if it’s too far to walk to the store.
While I’m eating keto, I haven’t been able to get my calories down as low as they need to be yet. Even though I weigh 300 lbs, my calories need to be down around 1200 a day to make any significant progress. And I haven’t been able to get down there yet.
Before I got off track a month ago,  my lowest weight was 296.  I saw as high as 305 on the scale sometime this month, and then as I made attempts to get back on the wagon I got back down to 298-something, which I think also aligned with shark week. Then I bounced back up again to around 304. I’ve been weighing every day for about the last week, and for the last few days I’ve been stuck on 300.8.  
In my mind I’ve pretty much already lost that weight loss bet I made.  I’ve wasted an entire month, and now I only have four months and still an entire 50 lbs to lose.  An average 300 lb person, especially a guy, could easily lose 50lbs in four months with a little hard work, but frankly I just don’t think my body will do it.  If I could get to a place where I think I could give some extended fasts a go it *could* be possible, but currently I’m way too hungry for that.
And finally, as I mentioned, my being on the wagon currently is being maintained by external factors, like being at my parents’ house without access to my car.  My willpower is pretty low. This upcoming weekend over Labor Day, I have to go down to Austin and housesit/dogsit for my brother. I will be all alone, unsupervised, with a car and a city at my disposal... and it just doesn’t look good. I’ve got the metaphorical angel and devil on my shoulder, the angel reminding me the diet bet isn’t out of range but can afford no more delays, while the devil whispers about the kolache shops in West, and RoundRock Donuts, and all the good food they have in Austin.
So, that’s all the internal reasons I’ve had a hard week.  Externally, when I walked into my house a couple days ago it was 91 degrees inside, even though the A/C was running.  I turned it off and went back the next day, in case it had frozen up, but it still didn’t work the next day.  The system is only four years old, but I wonder if I managed to damage it by running it too much, trying to hit a certain electricity used goal so that I can get the cheapest electricity bill I can. So now it’s going to cost who knows how much to fix that. The system has a 10 year warranty but I’m pretty sure that’s just parts and not labor.
Second, I’ve had some Funko Pops for sale on eBay for a little while.  One of them, a Lucky the Leprechaun figure, sold last week.  So I packaged it up and sent it off, and immediately when the buyer received it, he requested a refund because the item was damaged. He was trying to claim it wasn’t the item that was in the pictures, that this one was all beat up looking.  Well of course what I sent him was in pristine condition, and I immediately knew it was a scammer because I’d heard other people talk about the same thing on the Funko subreddit. The scammer claims they want to return the item, and if you accept, they get their money back and they ship you not what you sold them, but something worthless it its place.
After looking closer, I discovered this buyer’s account was less than two weeks old and has zero feedback. Had I noticed this before, I would have thought twice about completing the sale in the first place, because these scammers create new accounts every time they pull this, since the account will get banned when the scam is discovered. Rest assured I will not make that mistake ever again. 
I requested proof of the damage from the buyer twice, which they ignored both times.  After 5 days, I was told, the buyer would have the ability to escalate the claim, at which time eBay would step in. At that point, the buyer would have to provide proof, right?  Wrong.  The buyer escalated the claim at 2:30 AM (in the middle of the night, of course), and by 2:35 AM eBay had already sided with him and directed him to return the item to me, even though they could see my messages in their system and that he’d ignored my requests for proof.
I spent the next two days being pissed off about it, until I received his package back, containing - surprise surprise - a figure of Cartman from South Park, worth probably $5, instead of the $100 figure I had sold him.  I called eBay and they refunded my money without even asking for any proof on my end.  I guess maybe $100 is small potatoes for them but this whole process made me so angry. If they had asked the scammer for even a shred of proof... And then, when someone returns an eBay item, they have the option of making the seller pay for return shipping, so of course he did that as well. So that ended up being another couple of calls to eBay, making them refund that charge too, since it had turned out to be a scam and wasn’t my idea to allow the return in the first place.
On a completely different note, I recommend the movie Ready or Not, out in theatres right now.  It had a pitiful opening weekend, which surprised me.  It’s gotten good reviews, and it was a great movie. Samara Weaving was great in it, and I learned she’s Hugo Weaving’s niece (Agent Smith from Matrix, the elf dad guy in LOTR, and Red Skull from Captain America). Also Adam Brody was good in it, and I always like to see Dave Rygalski doing well.
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carolineasweet-blog · 4 years
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Fearlessness
When I was a little girl, about 4 or 5 years old, my dad asked me, “How are you always so confident?” “Oh Daddy,” I replied, “I’m not really, I just act like I am.” 
This is a constant theme in my life. I’m sure any number of friends or acquaintances would describe me as fearless - they’ve said as much. I joined an improv group when I was 25. Before one of our shows, the “father” of the group, as we so lovingly called him, asked how I was always so cool, calm and collected before we go on stage. “You never seem nervous.” But the truth was, before every show, I feared I was awful at this, that no words would come out and that I was the worst one on stage. “I’m nervous,” I said. “I’m a wreck before every show, I just don’t act like it.” Whatever that meant. In my 30′s as an executive recruiter, I would interview CEO’s making half a million dollars and find them new jobs that would pay them the full mill. I could always sense their need for my validation: am I right for this job? Will I be good enough to get an interview? Like I was the gatekeeper of their destiny - me, making an hourly wage. During a year-end review with my boss, she remarked how I was incredible at placing and recruiting candidates for jobs that I understood really well, and now I needed to translate that to roles I don’t understand as well (mostly tech ones). I told her that made sense. “I have so much anxiety when I get on the phone with Chief Technology Officers. I feel like I’m in over my head.” “Oh Caroline,” she remarked, “You??? Fearful!? You’re the most fearless person I know. I feel like you could do anything.” Everyone tells me that. That’s me! Fearless - a definitive trait, absolute since I was 4. But to me, it’s all an act. And perhaps those pretending NOT to be are the most fearful of all. It’s not only fear of the thing itself, it’s the fear of being discovered as a fraud. A phony. Pride and fear. What’s the difference? 
Sometimes I channel all my fear into an energy that’s bubbly, upbeat, on top of it all. But don’t be fooled, it’s the same energy as fear, different flow. On paper, sure call it fearless. I left a career as a recruiter to become an actress at the age of 32. Fearless? Nah. I was trapped in my own mind, knowing I’d wanted to be an actor since birth, and holding myself back my entire life for fear of disappointing people by not having a “reasonable” job. I left my friends and family in New York and moved to LA at 29. Fearless? Nah. Trapped in the fear that if I stayed in New York, I’d never be strong enough to fight for myself and my needs. Hell, I left Indiana after college and moved to New York City! Fearless? Maybe that one I’ll give you. But it never felt like a choice to me, it felt like survival. Maybe that’s the key to all the fearless people you know. They’re afraid if being trapped, and they’re just fighting for survival. That’s what it feels like for me on a daily basis. My big, bold moves feel like my only options if I want to live my life the way I’m meant to, in my bones, to be authentically me, and that’s the most fearful you could possibly be. 
At the peak of my anxiety in 2015, I did a lot of yoga and meditation, trying to help myself in a holistic way with everything I could think of. While waiting for a restorative class one day, I perused the gift shop inside the studio lobby. What a scam those things are, preying on the waiting, and I fall for it every time. This particular day, I was struck by a display of necklaces with keys on them. The brand was called The Giving Key, and each key had a word on it: hope, contentment, peace etc. The idea being that you buy the key most resonant to you and gift or give it away when the moment feels right or when it no longer serves you. I scanned through the key necklaces and found a shiny, copper key that read “fearless”. I laughed out loud. Thank you, universe. At my lowest of lows on the anxiety train, the moment I felt the furthest from myself I had ever been, I heard voices from my past calling me fearless, and I knew this key was mine. I bought it, not because it was true, but because maybe one day I could finally see what everyone else sees in me. A mere matter of months later, in the midst of a particularly challenging period as an actor and what could be considered a low point in my career, I was alongside a great friend of mine who was absolutely killing it, succeeding beyond but was riddled with insecurities. My anxiety had subsided, but with no uptick in any other meaningful facet of my life. I’d made peace with my path, with not booking roles, with not being “seen” or misunderstood, with not making money from anything I cared about. I know myself, and that’s enough. Watching my talented friend struggle while succeeding, I smiled and handed her the key. “Here. This is yours now, because I see it in you. Remind yourself who you are.” I gave her that necklace and realized how far I’d come. It’s not that I’m fearless or not, it’s that I’m at peace with the feelings inside me. I’m at peace with my anxiety and my fears. I’m at peace when I’m doing well, when I’m not doing well and everything in between. However it appears to others or how it seems to myself, whether those ideas are conflicting or concurrent, true or perceived, I’m at peace. Because fearless is no longer the goal, it’s peace. Namaste. 
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antionetterparker · 6 years
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Avon: Is this iconic beauty brand doomed to fail? [Review]
“Ding dong, Avon calling!”
The old tagline from the 1950s and 60s made Avon a household name among the Babyboomer crowd…
And now, the quintessential old-lady cosmetics brand.
Even so, their status as one of the first major network marketing companies has made them the biggest name in the MLM space, rivaled only by Amway.
Add to that their squeaky-clean reputation, and they’re unlike other MLMs that reek of manipulation and hype.
But like other iconic brands that are losing their foothold or outright dying out (think Sears and Macy’s), Avon has been in a steady decline for the last decade. Clearly, they’re struggling to transition from door-to-door sales to e-commerce.
Is it smart to join them? We’ll let you decide.
FAQ
1. What does Avon sell? Best known for door-to-door sales of makeup, Avon carries a full line of products for women: skin care, wellness, bath and body, fragrance, jewelry, fashion, home, and even products for men.
2. What are Avon’s most popular products? One of Avon’s most popular products is the Skin So Soft Original Bath Oil, their iconic bath oil for truly pampering yourself. Newer favorites are the Anew Ultimate Multi-Performance Day Cream, an anti-aging moisturizer that recreates the look of youthful skin; Anew Clinical Eye List Pro Dual Eye System, a 2-in-1 eye cream/gel duo that lifts and depuffs your eyes; and Avon’s True Color Lipsticks, which include 40 shades in two finishes, satin and shimmer.
3. How much does it cost to join Avon? It costs just $25 to join Avon, plus the costs of your starter kit. You have three options for your starter kit: $25 quick Starter Kit, $50 Advanced Starter Kit, and $100 Premium Starter Kit. As you might expect, the premium kit gives you more products and samples, and more sales tools and training. Regardless of which kit you choose, you’ll get free online training and a free personal website.
4. Is Avon a scam? No, Avon is a publicly traded company that’s well respected in the direct sales industry. They’re probably the oldest MLM and rank just below Amway in the Direct Selling News 100. And they seem to take care of their reps—some having been with the company for ten years or more, earning six-figure incomes.
5. What is Avon’s BBB rating? A+
6. How long has Avon been in business? Since 1886
7. What is Avon’s revenue? $5.7 billion
8. How many Avon distributors are there? 6 million
9. What lawsuits have been filed? In 2018, a lawsuit was filed against Avon by Caroline Ruiz for firing her from an executive job in Avon’s Manhattan headquarters after disclosing her pregnancy and asking to work remotely for a week. [1] A class-action lawsuit was filed in May 2018 for alleged failure to warn employees of a mass layoff at their Orlando location and other sites. [2] In 2016, they paid $6.25 million to settle a pension management class-action suit. Avon had been accused of mismanaging funds in pension accounts during a Foreign Corrupt Practices Act investigation. [3]
10. Comparable companies: Mary Kay, Nu Skin, Arbonne
Product-wise, these guys are solid. They’ve developed a name brand over the years that women love.
Business opportunity-wise, however, the company is a little played out. Not saying it would be impossible to still make money with Avon, but there are certainly more sustainable options out there.
Click here for my #1 recommendation
Either way, here’s the full review on Avon.
Overview
Avon was founded wayyy back in 1886, before your Grandma, by a New Yorker and door-to-door salesman David McConnell.
Now they’re ranked #2 on the DSN Global 100, behind only Amway.
They hit $5.7 billion in revenue in 2017, down from $6.16 billion in revenue in 2015 and $9.23 billion in 2011. That’s no temporary slump. [4]
In fact, shares have been declining for some time. At the end of 2017, shares traded for $4.65, which is just a tenth of what they were worth in May 2004, when shares traded for $44. [5]
If it wasn’t already clear that they’re struggling to keep their head above water, in 2015, Avon sold the remainder of their North American business and moved their headquarters over to the UK, cutting some 2,500 jobs worldwide in the process. And that’s just full-time employees – it doesn’t even begin the cover the impact on their representatives. [6]
Supposedly this is all part of a plan to turn themselves around, but it reminds me of the violinists who played music to ease the pain of people on the Titanic as it sunk. And we know it’s not helping, because a class-action suit was filed in May 2018 for laying off a third of their workforce (950 employees) without the 60-day notice required by the WARN (Worker Adjustment and Retraining Notification) Act. [7]
How much does Avon cost?
The sign-on fee to become an Avon Sales Rep is $25, one of the lowest in MLM (see the full rankings).
However, the start-up cost doesn’t include much. You still have to purchase a starter kit with samples, products, Avon brochures, and other marketing materials. That will set you back another $25, $50, or $100, depending on the kit you choose.
Products
Avon sells make-up, skin care products, perfume, home goods, and even accessories and lingerie. Of course, they’re known for their make-up, so that’s what I’ll focus on.
Almost every single MLM out there overprices their products, but Avon actually has incredibly reasonable prices…and not just for an MLM, but even compared to drugstore brands.
Many of their products, from foundation to lipstick to eyeliner, can be purchased for $6-$20, with some products on sale for as low as $2.
While Avon certainly isn’t going to win any contest for best cosmetics line in the world, especially up against uber-popular and forever trendy brands like Urban Decay, NARS, Benefit, and MAC, they are generally well-liked (especially at the price point) and very well-established.
Their skincare products are a little pricier, mostly ranging from $7-$38, but they have fantastic reviews. Marie Claire even called their skincare products “the perfect solution for every skin problem you’ve ever had.”
The Skin So Soft Original Dry Oil Body Spray has long been one of their most famous products, partially because it does what it says (makes your skin so soft), but also because people have discovered that it’s one of the most effective insect repellents. Some claim it works even better than DEET. [8]
Their Sun+ Clear Spray SPF 30 won a “Best Buy” award from independent reviews.
A-F33 Treatment, a “miracle” anti-aging cream, stirred up such a buzz that it gained a 60,000 person waiting list and eventually became Avon’s fastest selling product ever. It’s been hailed by dermatologists as the biggest breakthrough in skincare for two decades. [9]
Benefits:
Their skincare products have been praised for their anti-aging and moisturizing benefits. Their insect repellent and sunblock are very highly rated.
Side Effects:
There are no reported side effects associated with Avon products.
Compensation Plan
Avon is one of those rare MLMs that allows you to make an OK supplemental income on selling alone, without ever recruiting a single team member. In fact, many Avon Sales Reps do just that. It’s refreshing to see this model is still around when most new MLMs all but require you to recruit, recruit, recruit.
Commission on personal sales ranges from 20%-50% depending on the product and your rank, which is pretty good.
Once you start recruiting a team, you open up a wider range of earning opportunities, from team commissions to rank bonuses to cars and vacations.
However, the vast majority of Avon reps make only a few hundred dollars a month, if that. It’s certainly not a full-time wage, but it could be a fun side job for some.
Recap
Overall, Avon is clearly one of the most well-established, ethical MLMs out there.
And that might be why they’re failing.
Avon has made a respectable name for themselves for over a century now, but if they don’t make some big changes quickly, it looks like they might be going under for good. Even if they manage to stay afloat, the sale of their entire North American operations proves that the company will never be the same again.
After a while, being the oldest player in the game stops being an advantage and starts being a disadvantage. It’s clear that Avon has had trouble adapting to new times and new trends, and their products are just NOT achieving the popularity they used to, even just a couple of decades ago.
On top of that, the fact that they follow all the rules better than that kiss-ass you always hated in Kindergarten might win them brownie points with the SEC and FTC, but it might also be making it difficult for them to compete in a world filled with MLMs that bend and break the rules to such an extent that they find themselves under investigation in less than a decade.
Even the brightest stars die out eventually, and Avon is flickering.
I’ve been involved with network marketing for over ten years so I know what to look for when you consider a new opportunity.
After reviewing 200+ business opportunities and systems out there, here is the one I would recommend:
Click here for my #1 recommendation
via https://mlmcompanies.org/avon/
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Credit Playing cards Written Off. Truth Or Scam?
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travelguy4444 · 6 years
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How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money
Updated: 07/03/18 | July 3rd, 2018
I recently asked subscribers of my newsletter about the number one thing that holds them back from traveling. The near universal answer?
Money.
This is something I hear from everyone I talk to: “Matt, I simply don’t have enough money to travel.”
This problem – and how to overcome it – is my most asked question. I answer this question in a plethora of posts, emails, tweets, and Facebook posts. Long-term readers might even be getting sick of me discussing this subject because it is one I talk about so much. I know no matter how often I address this question, it will come up again.
Since this question comes up so often, I like to constantly remind people of this fact:
You do not need to be rich to travel.
Let’s repeat that.
You do not need to be rich to travel cheap.
I sure wasn’t. I had an average-paying administrative job the year before I left for my first trip. It wasn’t a lot after taxes.
Yet I managed to save enough to travel the world. How? I made it a priority. If travel is not a priority for you, you will always find some other things to spend money on and you’ll never have “enough” money to travel. I never have enough money to go shopping or buy a new electronic gadget because I spend my money on travel, so there isn’t much left over for non-priority expenses. Everything I do is focused on having more money for travel (and other things I love like sushi, movies, and nice dinners)!
At the time, I was still paying college debt, and yet using those tips managed to save over $20,000 for my initial trip around the world.
“But Matt, I work a minimum wage job/am a student/live on Social Security/am underemployed/live with my parents/spend a lot/have kids/[insert other excuse here] and no matter what I can do, I’ll never be able to do it. I can’t even pay back my student loans. What do I do?”
The Cheapest Way To Travel The World: An Ultimate Guide To Cheap Travel
What do you do when you are in that boat? What do you do when prioritizing your budget?
Six years ago, I attempted to answer that question in this blog post. Now, I’ve updated this post to address those concerns again because methods and resources have changed.
But the central tenet remains the same: You don’t need a lot of money to begin traveling.
Even if you don’t earn a lot or have debt, there are ways to go overseas still. If you feel that no matter what you do you will never get ahead by saving money, follow this guide to ultimate travel frugality and see the world on the ultra-cheap:
Work overseas
Not making enough money at your job? Why not get a job overseas? There are plenty of opportunities in the world as long as you aren’t picky — and after all, this isn’t a career you are starting, it’s just a way to earn money for travel. Here are some jobs you can get to pay the bills and fund your travels:
Au pair
Bartender
Hostel worker
Waitress/waiter
Farm worker (very popular in Australia and New Zealand)
Dive instructor (some certification required)
Tour guide
Cruise ship worker
Casino worker
Seasonal worker at ski resorts
Yacht worker
Working overseas often gets discounted as an option because it seems hard to do. It’s not. Just be open. These jobs don’t require advanced degrees or a lot of work experience either. Are you going to get some high-paying office job? No. Will you get a shitty, low-wage job that will pay all your travel bills? Yes! I’ve met people from all walks of life, both from Western and non-Western countries, funding their travels this way.
READ MORE ABOUT WORKING OVERSEAS:
15 Ways to Find a Job and Work Overseas
The 9 Best Places to Teach English Overseas
How to Get an English Teaching Job Overseas
Teach English overseas
One of the best ways to make money for travel is to teach English overseas. You can make a lot of money teaching — I replenished my travel funds while working in Thailand, and I have had friends leave South Korea with tens of thousands of dollars in the bank. All you need is the ability to speak English fluently and maybe a TEFL degree, depending on the country you work in. The world is yearning for teachers, and this is a job in high demand; many companies in Asia will even pay for your flight over.
Additionally, there are many websites and services out there that allow you to teach virtually. As long as you have a great Wi-Fi connection you can help people learn English from anywhere in the world!
READ MORE ABOUT TEACHING OVERSEAS:
How Emily Funded Her Entire Trip by Teaching Overseas
Discover How to Get an English Teaching Job Overseas
How to Teach English and Live in Spain
The 9 Best Places to Teach English Overseas
Get free flights
There are so many ways to earn free flights, I hate when people tell me they can’t afford to fly. Sign up for a few travel credit cards, collect miles, and then fly for free. Most cards offer sign-up bonuses of 50,000 points — and if you sign up for both an airline card (think a United airlines card) and a general rewards card like the Chase Sapphire or AMEX card, you can combine the two point balances and get a cheap flight faster.
By collecting points and miles through credit card bonuses, smart everyday spending, online surveys, bonuses, and other methods, you’ll accrue a ton of miles even before you’ve left for your trip. You can go a lot further in the world when you take away the cost of flights and some accommodation.
Travel hacking is how you can travel cheap!!!!
READ MORE ABOUT TRAVEL HACKING:
The #1 Thing Travel Experts Do to Get Free Flights and Hotels
How to Find Cheap Flights: The Ultimate Guide
Is Travel Hacking Really a Scam?
How I Earn 1 Million Frequent Flier Miles Each Year
Stay with locals for free
There are many services that connect travelers with locals who are willing to let them stay with them for FREE. Using these sites you will never have to pay for accommodation. Years ago I read about a guy who traveled for years while only Couchsurfing. I’ve used this service about 10 times and always meet amazing people. Sometimes you get a room, sometimes a couch, sometimes an air mattress, but it’s always free. There are also local Couchsurfing group meet-ups that can help you make friends in your new city. Moreover, because of the rise of the sharing economy in the last few years there are now websites that let you not only stay with locals but share rides, meals, train tickets, gear, and much more! These websites not only save you a TON of money but they also get you off the tourist track and into the local life. Win-win! Here is a list of websites to use for free accommodation:
Couchsurfing
Servas
Global Freeloaders
READ MORE ABOUT FINDING CHEAP OR FREE ACCCOMMODATION:
How to Find Cheap Accommodation in 2018
How to Become a House Sitter and Never Pay for Accommodation
How to Crush it on Couchsurfing
Use the sharing economy
Use the sharing economy to find cheaper accommodation, quirky tour guides, rideshare options, and home-cooked meals with local chefs. You can bypass the traditional travel industry with sharing economy websites and gain access to locals using their own assets and skills to become small tourism companies with cheaper prices. Moreover, locals know where to find deals. They know which supermarket is cheapest, which stores offer the best sales, and where to find the hole-in-the-wall restaurants and bars with the tastiest food at the lowest prices. Talking directly to them gives you access to that knowledge.
These websites have changed the travel game and made travel more accessible for everyone.
Here are some of my favorite websites:
Airbnb (accommodation)
Vayable (tours)
BlaBlaCar (ridesharing)
EatWith (meals)
Hitchhike
Hitchhiking is a free way to get around that is relatively safe and quite common in many parts of the world, including Central America, Scandinavia, Eastern Europe, Australia, and New Zealand. I’ve hitchhiked in more than a handful of countries in the world (and I know solo female travelers who have done the same!). Sure, it has a bad reputation in North America, but with some common sense and a bit of patience you can hitch hike almost anywhere — saving you tons of money in the process!
READ MORE ABOUT HITCHHIKING:
14 Ways to Safely Hitchhike Across the United States
What I Learned Hitchhiking Around China
A Lesson in Kindness While Hitchhiking Through Iceland
Free walking tours
Want to learn about the city, get your bearings, and see the major sights? Take a free walking tour. You can find them in 90% of the major cities in Europe, and there are also a few in large Asian cities, South America, New York, Australia, and New Zealand. To find these tours, ask the local tourist office, your hostel staff (or just walk into a hostel and ask about them), or Google “Free walking tour (city name).” Just be sure to tip at the end!
READ MORE ABOUT TAKING FREE WALKING TOURS:
Historical Walking Tours of NYC
8 Ways to Choose the Perfect Tour Company in 2018
Housesit
Can’t afford your vacation? Watch someone’s house while they go on theirs! You can sign up for one of the sites below and watch people’s homes (and often their pets) for free, allowing you to stay in one destination for a while without having to pay for accommodation. Everyone’s account is verified so you know you won’t get cheated. This is a great platform for long-term travel with an important added bonus: you get a kitchen to cook your food (which saves you even more money!!!). Here are the best housesitting websites to check out:
Trusted Housesitters
Home Exchange
House Carers
READ MORE ABOUT HOUSESITTING:
How to Become a House Sitter and Never Pay for Accommodation
How to Travel the World for Free with Trusted Housesitters
Cook your meals
The best way to save money on the road is to cook all your own meals. I recently spent $60 USD for a week’s worth of groceries in Stockholm instead of an average of $15 USD per meal eating out! That’s a saving of $150 USD! If you are Couchsurfing, your host will probably have a kitchen, as do many hostels, campsites, and guesthouses. No kitchen? Pack your own container and silverware and make some sandwiches and salads on the go. Not every meal requires a stove right?
Just because you are traveling, it doesn’t mean you need to eat out every meal. You won’t ruin your trip to Paris if you decide not to eat out one day! There’s simply no reason to be spending lots of money on food on your trip!
READ MORE ABOUT SAVING MONEY ON FOOD WHEN YOU TRAVEL:
How to Lower Your Food Expenses When You Travel
How to Travel and Eat Your Way Around the World
WWOOFing
WWOOF stands for World Wide Opportunities on Organic Farms. It’s a platform that allows you to work on a farm in exchange for free room and board. It’s a great way to see a destination in-depth while allowing you to commune with the great outdoors. You have to pay to get to the farm, but once you are there, everything else is covered!
READ MORE ABOUT VOLUNTEERING:
How to Travel and Work Around the World with WWOOF
How to Ethically Volunteer Anywhere in the World
Bonus tips
Here are five additional ways to save money that cost a little but are still very cheap:
Get rail passes — Booking ahead of time can usually save you about 50% of the cost of a train ticket, but if you don’t want to be tied into a fixed schedule, rail passes can save you a lot of money. I’ve saved hundreds of dollars in Europe doing this!
Sleep in large dorms — Large hostel dorm rooms are the cheapest paid accommodation out there. If Couchsurfing isn’t your thing, this is your next best way to save money on a place to sleep.
Use student and other discount cards — Are you a student, teacher, or under 26? Welcome to the world of 50%-off attractions and a plethora of discounts. Get a student/teacher/youth card and save big!
Get city tourist cards — If you plan on seeing a lot of sights in a city, you should get a city tourism card, which offers you discounted and free access to the major attractions and museums, as well as free public transportation. I saved over $100 with the London pass, $80 with Paris Museum card, $50 with a Helsinki card, and tons more with other city tourism cards. They are an amazing way to save money on attractions that not enough people use.
Sell your services– Need some cash? Use Craigslist, TaskRabbit, or Gumtree to find people who need a few things done around the house and get paid to help them. It’s a way to make money when you travel without committing to a long-term job. Additionally, if you have a skill, sell it. Offer haircuts to other travelers, busk for money, consult, etc. You can also help people learn your native language through apps like Duolingo.
Between all of these tips, you’ll be able to travel for relatively little money. After all, I’ve spent five days in Stockholm on $100 and once spent 10 days in London on $700.
If I can do it, you can do it too.
Whether it’s two months, two years, or just a two-week vacation, travel doesn’t need to cost a huge sum of money. The key is to get out of the mindset that you must travel using the flight/hotel combination. Using out-of-the-box, nontraditional ways to travel can lead to big savings.
With a little creativity, patience, and practice, you can travel the world with little to no money!
Next Steps for Traveling
To turn the above advice into actionable steps by reading the following articles:
How to Get Free Flights & Hotels
How to Travel the World on $50 a Day
Learn How to Get Paid and Travel
The post How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money appeared first on Nomadic Matt's Travel Site.
source https://www.nomadicmatt.com/travel-blogs/the-ultimate-guide-to-traveling-when-you-have-no-money/
0 notes
theladyjstyle · 6 years
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Tumblr media
Updated: 07/03/18 | July 3rd, 2018
I recently asked subscribers of my newsletter about the number one thing that holds them back from traveling. The near universal answer?
Money.
This is something I hear from everyone I talk to: “Matt, I simply don’t have enough money to travel.”
This problem – and how to overcome it – is my most asked question. I answer this question in a plethora of posts, emails, tweets, and Facebook posts. Long-term readers might even be getting sick of me discussing this subject because it is one I talk about so much. I know no matter how often I address this question, it will come up again.
Since this question comes up so often, I like to constantly remind people of this fact:
You do not need to be rich to travel.
Let’s repeat that.
You do not need to be rich to travel cheap.
I sure wasn’t. I had an average-paying administrative job the year before I left for my first trip. It wasn’t a lot after taxes.
Yet I managed to save enough to travel the world. How? I made it a priority. If travel is not a priority for you, you will always find some other things to spend money on and you’ll never have “enough” money to travel. I never have enough money to go shopping or buy a new electronic gadget because I spend my money on travel, so there isn’t much left over for non-priority expenses. Everything I do is focused on having more money for travel (and other things I love like sushi, movies, and nice dinners)!
At the time, I was still paying college debt, and yet using those tips managed to save over $20,000 for my initial trip around the world.
“But Matt, I work a minimum wage job/am a student/live on Social Security/am underemployed/live with my parents/spend a lot/have kids/[insert other excuse here] and no matter what I can do, I’ll never be able to do it. I can’t even pay back my student loans. What do I do?”
The Cheapest Way To Travel The World: An Ultimate Guide To Cheap Travel
What do you do when you are in that boat? What do you do when prioritizing your budget?
Six years ago, I attempted to answer that question in this blog post. Now, I’ve updated this post to address those concerns again because methods and resources have changed.
But the central tenet remains the same: You don’t need a lot of money to begin traveling.
Even if you don’t earn a lot or have debt, there are ways to go overseas still. If you feel that no matter what you do you will never get ahead by saving money, follow this guide to ultimate travel frugality and see the world on the ultra-cheap:
Work overseas
Not making enough money at your job? Why not get a job overseas? There are plenty of opportunities in the world as long as you aren’t picky — and after all, this isn’t a career you are starting, it’s just a way to earn money for travel. Here are some jobs you can get to pay the bills and fund your travels:
Au pair
Bartender
Hostel worker
Waitress/waiter
Farm worker (very popular in Australia and New Zealand)
Dive instructor (some certification required)
Tour guide
Cruise ship worker
Casino worker
Seasonal worker at ski resorts
Yacht worker
Working overseas often gets discounted as an option because it seems hard to do. It’s not. Just be open. These jobs don’t require advanced degrees or a lot of work experience either. Are you going to get some high-paying office job? No. Will you get a shitty, low-wage job that will pay all your travel bills? Yes! I’ve met people from all walks of life, both from Western and non-Western countries, funding their travels this way.
READ MORE ABOUT WORKING OVERSEAS:
15 Ways to Find a Job and Work Overseas
The 9 Best Places to Teach English Overseas
How to Get an English Teaching Job Overseas
Teach English overseas
One of the best ways to make money for travel is to teach English overseas. You can make a lot of money teaching — I replenished my travel funds while working in Thailand, and I have had friends leave South Korea with tens of thousands of dollars in the bank. All you need is the ability to speak English fluently and maybe a TEFL degree, depending on the country you work in. The world is yearning for teachers, and this is a job in high demand; many companies in Asia will even pay for your flight over.
Additionally, there are many websites and services out there that allow you to teach virtually. As long as you have a great Wi-Fi connection you can help people learn English from anywhere in the world!
READ MORE ABOUT TEACHING OVERSEAS:
How Emily Funded Her Entire Trip by Teaching Overseas
Discover How to Get an English Teaching Job Overseas
How to Teach English and Live in Spain
The 9 Best Places to Teach English Overseas
Get free flights
There are so many ways to earn free flights, I hate when people tell me they can’t afford to fly. Sign up for a few travel credit cards, collect miles, and then fly for free. Most cards offer sign-up bonuses of 50,000 points — and if you sign up for both an airline card (think a United airlines card) and a general rewards card like the Chase Sapphire or AMEX card, you can combine the two point balances and get a cheap flight faster.
By collecting points and miles through credit card bonuses, smart everyday spending, online surveys, bonuses, and other methods, you’ll accrue a ton of miles even before you’ve left for your trip. You can go a lot further in the world when you take away the cost of flights and some accommodation.
Travel hacking is how you can travel cheap!!!!
READ MORE ABOUT TRAVEL HACKING:
The #1 Thing Travel Experts Do to Get Free Flights and Hotels
How to Find Cheap Flights: The Ultimate Guide
Is Travel Hacking Really a Scam?
How I Earn 1 Million Frequent Flier Miles Each Year
Stay with locals for free
There are many services that connect travelers with locals who are willing to let them stay with them for FREE. Using these sites you will never have to pay for accommodation. Years ago I read about a guy who traveled for years while only Couchsurfing. I’ve used this service about 10 times and always meet amazing people. Sometimes you get a room, sometimes a couch, sometimes an air mattress, but it’s always free. There are also local Couchsurfing group meet-ups that can help you make friends in your new city. Moreover, because of the rise of the sharing economy in the last few years there are now websites that let you not only stay with locals but share rides, meals, train tickets, gear, and much more! These websites not only save you a TON of money but they also get you off the tourist track and into the local life. Win-win! Here is a list of websites to use for free accommodation:
Couchsurfing
Servas
Global Freeloaders
READ MORE ABOUT FINDING CHEAP OR FREE ACCCOMMODATION:
How to Find Cheap Accommodation in 2018
How to Become a House Sitter and Never Pay for Accommodation
How to Crush it on Couchsurfing
Use the sharing economy
Use the sharing economy to find cheaper accommodation, quirky tour guides, rideshare options, and home-cooked meals with local chefs. You can bypass the traditional travel industry with sharing economy websites and gain access to locals using their own assets and skills to become small tourism companies with cheaper prices. Moreover, locals know where to find deals. They know which supermarket is cheapest, which stores offer the best sales, and where to find the hole-in-the-wall restaurants and bars with the tastiest food at the lowest prices. Talking directly to them gives you access to that knowledge.
These websites have changed the travel game and made travel more accessible for everyone.
Here are some of my favorite websites:
Airbnb (accommodation)
Vayable (tours)
BlaBlaCar (ridesharing)
EatWith (meals)
Hitchhike
Hitchhiking is a free way to get around that is relatively safe and quite common in many parts of the world, including Central America, Scandinavia, Eastern Europe, Australia, and New Zealand. I’ve hitchhiked in more than a handful of countries in the world (and I know solo female travelers who have done the same!). Sure, it has a bad reputation in North America, but with some common sense and a bit of patience you can hitch hike almost anywhere — saving you tons of money in the process!
READ MORE ABOUT HITCHHIKING:
14 Ways to Safely Hitchhike Across the United States
What I Learned Hitchhiking Around China
A Lesson in Kindness While Hitchhiking Through Iceland
Free walking tours
Want to learn about the city, get your bearings, and see the major sights? Take a free walking tour. You can find them in 90% of the major cities in Europe, and there are also a few in large Asian cities, South America, New York, Australia, and New Zealand. To find these tours, ask the local tourist office, your hostel staff (or just walk into a hostel and ask about them), or Google “Free walking tour (city name).” Just be sure to tip at the end!
READ MORE ABOUT TAKING FREE WALKING TOURS:
Historical Walking Tours of NYC
8 Ways to Choose the Perfect Tour Company in 2018
Housesit
Can’t afford your vacation? Watch someone’s house while they go on theirs! You can sign up for one of the sites below and watch people’s homes (and often their pets) for free, allowing you to stay in one destination for a while without having to pay for accommodation. Everyone’s account is verified so you know you won’t get cheated. This is a great platform for long-term travel with an important added bonus: you get a kitchen to cook your food (which saves you even more money!!!). Here are the best housesitting websites to check out:
Trusted Housesitters
Home Exchange
House Carers
READ MORE ABOUT HOUSESITTING:
How to Become a House Sitter and Never Pay for Accommodation
How to Travel the World for Free with Trusted Housesitters
Cook your meals
The best way to save money on the road is to cook all your own meals. I recently spent $60 USD for a week’s worth of groceries in Stockholm instead of an average of $15 USD per meal eating out! That’s a saving of $150 USD! If you are Couchsurfing, your host will probably have a kitchen, as do many hostels, campsites, and guesthouses. No kitchen? Pack your own container and silverware and make some sandwiches and salads on the go. Not every meal requires a stove right?
Just because you are traveling, it doesn’t mean you need to eat out every meal. You won’t ruin your trip to Paris if you decide not to eat out one day! There’s simply no reason to be spending lots of money on food on your trip!
READ MORE ABOUT SAVING MONEY ON FOOD WHEN YOU TRAVEL:
How to Lower Your Food Expenses When You Travel
How to Travel and Eat Your Way Around the World
WWOOFing
WWOOF stands for World Wide Opportunities on Organic Farms. It’s a platform that allows you to work on a farm in exchange for free room and board. It’s a great way to see a destination in-depth while allowing you to commune with the great outdoors. You have to pay to get to the farm, but once you are there, everything else is covered!
READ MORE ABOUT VOLUNTEERING:
How to Travel and Work Around the World with WWOOF
How to Ethically Volunteer Anywhere in the World
Bonus tips
Here are five additional ways to save money that cost a little but are still very cheap:
Get rail passes — Booking ahead of time can usually save you about 50% of the cost of a train ticket, but if you don’t want to be tied into a fixed schedule, rail passes can save you a lot of money. I’ve saved hundreds of dollars in Europe doing this!
Sleep in large dorms — Large hostel dorm rooms are the cheapest paid accommodation out there. If Couchsurfing isn’t your thing, this is your next best way to save money on a place to sleep.
Use student and other discount cards — Are you a student, teacher, or under 26? Welcome to the world of 50%-off attractions and a plethora of discounts. Get a student/teacher/youth card and save big!
Get city tourist cards — If you plan on seeing a lot of sights in a city, you should get a city tourism card, which offers you discounted and free access to the major attractions and museums, as well as free public transportation. I saved over $100 with the London pass, $80 with Paris Museum card, $50 with a Helsinki card, and tons more with other city tourism cards. They are an amazing way to save money on attractions that not enough people use.
Sell your services– Need some cash? Use Craigslist, TaskRabbit, or Gumtree to find people who need a few things done around the house and get paid to help them. It’s a way to make money when you travel without committing to a long-term job. Additionally, if you have a skill, sell it. Offer haircuts to other travelers, busk for money, consult, etc. You can also help people learn your native language through apps like Duolingo.
Between all of these tips, you’ll be able to travel for relatively little money. After all, I’ve spent five days in Stockholm on $100 and once spent 10 days in London on $700.
If I can do it, you can do it too.
Whether it’s two months, two years, or just a two-week vacation, travel doesn’t need to cost a huge sum of money. The key is to get out of the mindset that you must travel using the flight/hotel combination. Using out-of-the-box, nontraditional ways to travel can lead to big savings.
With a little creativity, patience, and practice, you can travel the world with little to no money!
Next Steps for Traveling
To turn the above advice into actionable steps by reading the following articles:
How to Get Free Flights & Hotels
How to Travel the World on $50 a Day
Learn How to Get Paid and Travel
The post How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money appeared first on Nomadic Matt's Travel Site.
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How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money
Updated: 07/03/18 | July 3rd, 2018
I recently asked subscribers of my newsletter about the number one thing that holds them back from traveling. The near universal answer?
Money.
This is something I hear from everyone I talk to: “Matt, I simply don’t have enough money to travel.”
This problem – and how to overcome it – is my most asked question. I answer this question in a plethora of posts, emails, tweets, and Facebook posts. Long-term readers might even be getting sick of me discussing this subject because it is one I talk about so much. I know no matter how often I address this question, it will come up again.
Since this question comes up so often, I like to constantly remind people of this fact:
You do not need to be rich to travel.
Let’s repeat that.
You do not need to be rich to travel cheap.
I sure wasn’t. I had an average-paying administrative job the year before I left for my first trip. It wasn’t a lot after taxes.
Yet I managed to save enough to travel the world. How? I made it a priority. If travel is not a priority for you, you will always find some other things to spend money on and you’ll never have “enough” money to travel. I never have enough money to go shopping or buy a new electronic gadget because I spend my money on travel, so there isn’t much left over for non-priority expenses. Everything I do is focused on having more money for travel (and other things I love like sushi, movies, and nice dinners)!
At the time, I was still paying college debt, and yet using those tips managed to save over $20,000 for my initial trip around the world.
“But Matt, I work a minimum wage job/am a student/live on Social Security/am underemployed/live with my parents/spend a lot/have kids/[insert other excuse here] and no matter what I can do, I’ll never be able to do it. I can’t even pay back my student loans. What do I do?”
The Cheapest Way To Travel The World: An Ultimate Guide To Cheap Travel
What do you do when you are in that boat? What do you do when prioritizing your budget?
Six years ago, I attempted to answer that question in this blog post. Now, I’ve updated this post to address those concerns again because methods and resources have changed.
But the central tenet remains the same: You don’t need a lot of money to begin traveling.
Even if you don’t earn a lot or have debt, there are ways to go overseas still. If you feel that no matter what you do you will never get ahead by saving money, follow this guide to ultimate travel frugality and see the world on the ultra-cheap:
Work overseas
Not making enough money at your job? Why not get a job overseas? There are plenty of opportunities in the world as long as you aren’t picky — and after all, this isn’t a career you are starting, it’s just a way to earn money for travel. Here are some jobs you can get to pay the bills and fund your travels:
Au pair
Bartender
Hostel worker
Waitress/waiter
Farm worker (very popular in Australia and New Zealand)
Dive instructor (some certification required)
Tour guide
Cruise ship worker
Casino worker
Seasonal worker at ski resorts
Yacht worker
Working overseas often gets discounted as an option because it seems hard to do. It’s not. Just be open. These jobs don’t require advanced degrees or a lot of work experience either. Are you going to get some high-paying office job? No. Will you get a shitty, low-wage job that will pay all your travel bills? Yes! I’ve met people from all walks of life, both from Western and non-Western countries, funding their travels this way.
READ MORE ABOUT WORKING OVERSEAS:
15 Ways to Find a Job and Work Overseas
The 9 Best Places to Teach English Overseas
How to Get an English Teaching Job Overseas
Teach English overseas
One of the best ways to make money for travel is to teach English overseas. You can make a lot of money teaching — I replenished my travel funds while working in Thailand, and I have had friends leave South Korea with tens of thousands of dollars in the bank. All you need is the ability to speak English fluently and maybe a TEFL degree, depending on the country you work in. The world is yearning for teachers, and this is a job in high demand; many companies in Asia will even pay for your flight over.
Additionally, there are many websites and services out there that allow you to teach virtually. As long as you have a great Wi-Fi connection you can help people learn English from anywhere in the world!
READ MORE ABOUT TEACHING OVERSEAS:
How Emily Funded Her Entire Trip by Teaching Overseas
Discover How to Get an English Teaching Job Overseas
How to Teach English and Live in Spain
The 9 Best Places to Teach English Overseas
Get free flights
There are so many ways to earn free flights, I hate when people tell me they can’t afford to fly. Sign up for a few travel credit cards, collect miles, and then fly for free. Most cards offer sign-up bonuses of 50,000 points — and if you sign up for both an airline card (think a United airlines card) and a general rewards card like the Chase Sapphire or AMEX card, you can combine the two point balances and get a cheap flight faster.
By collecting points and miles through credit card bonuses, smart everyday spending, online surveys, bonuses, and other methods, you’ll accrue a ton of miles even before you’ve left for your trip. You can go a lot further in the world when you take away the cost of flights and some accommodation.
Travel hacking is how you can travel cheap!!!!
READ MORE ABOUT TRAVEL HACKING:
The #1 Thing Travel Experts Do to Get Free Flights and Hotels
How to Find Cheap Flights: The Ultimate Guide
Is Travel Hacking Really a Scam?
How I Earn 1 Million Frequent Flier Miles Each Year
Stay with locals for free
There are many services that connect travelers with locals who are willing to let them stay with them for FREE. Using these sites you will never have to pay for accommodation. Years ago I read about a guy who traveled for years while only Couchsurfing. I’ve used this service about 10 times and always meet amazing people. Sometimes you get a room, sometimes a couch, sometimes an air mattress, but it’s always free. There are also local Couchsurfing group meet-ups that can help you make friends in your new city. Moreover, because of the rise of the sharing economy in the last few years there are now websites that let you not only stay with locals but share rides, meals, train tickets, gear, and much more! These websites not only save you a TON of money but they also get you off the tourist track and into the local life. Win-win! Here is a list of websites to use for free accommodation:
Couchsurfing
Servas
Global Freeloaders
READ MORE ABOUT FINDING CHEAP OR FREE ACCCOMMODATION:
How to Find Cheap Accommodation in 2018
How to Become a House Sitter and Never Pay for Accommodation
How to Crush it on Couchsurfing
Use the sharing economy
Use the sharing economy to find cheaper accommodation, quirky tour guides, rideshare options, and home-cooked meals with local chefs. You can bypass the traditional travel industry with sharing economy websites and gain access to locals using their own assets and skills to become small tourism companies with cheaper prices. Moreover, locals know where to find deals. They know which supermarket is cheapest, which stores offer the best sales, and where to find the hole-in-the-wall restaurants and bars with the tastiest food at the lowest prices. Talking directly to them gives you access to that knowledge.
These websites have changed the travel game and made travel more accessible for everyone.
Here are some of my favorite websites:
Airbnb (accommodation)
Vayable (tours)
BlaBlaCar (ridesharing)
EatWith (meals)
Hitchhike
Hitchhiking is a free way to get around that is relatively safe and quite common in many parts of the world, including Central America, Scandinavia, Eastern Europe, Australia, and New Zealand. I’ve hitchhiked in more than a handful of countries in the world (and I know solo female travelers who have done the same!). Sure, it has a bad reputation in North America, but with some common sense and a bit of patience you can hitch hike almost anywhere — saving you tons of money in the process!
READ MORE ABOUT HITCHHIKING:
14 Ways to Safely Hitchhike Across the United States
What I Learned Hitchhiking Around China
A Lesson in Kindness While Hitchhiking Through Iceland
Free walking tours
Want to learn about the city, get your bearings, and see the major sights? Take a free walking tour. You can find them in 90% of the major cities in Europe, and there are also a few in large Asian cities, South America, New York, Australia, and New Zealand. To find these tours, ask the local tourist office, your hostel staff (or just walk into a hostel and ask about them), or Google “Free walking tour (city name).” Just be sure to tip at the end!
READ MORE ABOUT TAKING FREE WALKING TOURS:
Historical Walking Tours of NYC
8 Ways to Choose the Perfect Tour Company in 2018
Housesit
Can’t afford your vacation? Watch someone’s house while they go on theirs! You can sign up for one of the sites below and watch people’s homes (and often their pets) for free, allowing you to stay in one destination for a while without having to pay for accommodation. Everyone’s account is verified so you know you won’t get cheated. This is a great platform for long-term travel with an important added bonus: you get a kitchen to cook your food (which saves you even more money!!!). Here are the best housesitting websites to check out:
Trusted Housesitters
Home Exchange
House Carers
READ MORE ABOUT HOUSESITTING:
How to Become a House Sitter and Never Pay for Accommodation
How to Travel the World for Free with Trusted Housesitters
Cook your meals
The best way to save money on the road is to cook all your own meals. I recently spent $60 USD for a week’s worth of groceries in Stockholm instead of an average of $15 USD per meal eating out! That’s a saving of $150 USD! If you are Couchsurfing, your host will probably have a kitchen, as do many hostels, campsites, and guesthouses. No kitchen? Pack your own container and silverware and make some sandwiches and salads on the go. Not every meal requires a stove right?
Just because you are traveling, it doesn’t mean you need to eat out every meal. You won’t ruin your trip to Paris if you decide not to eat out one day! There’s simply no reason to be spending lots of money on food on your trip!
READ MORE ABOUT SAVING MONEY ON FOOD WHEN YOU TRAVEL:
How to Lower Your Food Expenses When You Travel
How to Travel and Eat Your Way Around the World
WWOOFing
WWOOF stands for World Wide Opportunities on Organic Farms. It’s a platform that allows you to work on a farm in exchange for free room and board. It’s a great way to see a destination in-depth while allowing you to commune with the great outdoors. You have to pay to get to the farm, but once you are there, everything else is covered!
READ MORE ABOUT VOLUNTEERING:
How to Travel and Work Around the World with WWOOF
How to Ethically Volunteer Anywhere in the World
Bonus tips
Here are five additional ways to save money that cost a little but are still very cheap:
Get rail passes — Booking ahead of time can usually save you about 50% of the cost of a train ticket, but if you don’t want to be tied into a fixed schedule, rail passes can save you a lot of money. I’ve saved hundreds of dollars in Europe doing this!
Sleep in large dorms — Large hostel dorm rooms are the cheapest paid accommodation out there. If Couchsurfing isn’t your thing, this is your next best way to save money on a place to sleep.
Use student and other discount cards — Are you a student, teacher, or under 26? Welcome to the world of 50%-off attractions and a plethora of discounts. Get a student/teacher/youth card and save big!
Get city tourist cards — If you plan on seeing a lot of sights in a city, you should get a city tourism card, which offers you discounted and free access to the major attractions and museums, as well as free public transportation. I saved over $100 with the London pass, $80 with Paris Museum card, $50 with a Helsinki card, and tons more with other city tourism cards. They are an amazing way to save money on attractions that not enough people use.
Sell your services– Need some cash? Use Craigslist, TaskRabbit, or Gumtree to find people who need a few things done around the house and get paid to help them. It’s a way to make money when you travel without committing to a long-term job. Additionally, if you have a skill, sell it. Offer haircuts to other travelers, busk for money, consult, etc. You can also help people learn your native language through apps like Duolingo.
Between all of these tips, you’ll be able to travel for relatively little money. After all, I’ve spent five days in Stockholm on $100 and once spent 10 days in London on $700.
If I can do it, you can do it too.
Whether it’s two months, two years, or just a two-week vacation, travel doesn’t need to cost a huge sum of money. The key is to get out of the mindset that you must travel using the flight/hotel combination. Using out-of-the-box, nontraditional ways to travel can lead to big savings.
With a little creativity, patience, and practice, you can travel the world with little to no money!
Next Steps for Traveling
To turn the above advice into actionable steps by reading the following articles:
How to Get Free Flights & Hotels
How to Travel the World on $50 a Day
Learn How to Get Paid and Travel
The post How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money appeared first on Nomadic Matt's Travel Site.
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Will My car insurance go up if a 16 year old gets a older 2 door car?
"Will My car insurance go up if a 16 year old gets a older 2 door car?
Will My car insurance go up if a 16 year old gets a older 2 door car?
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Will My car insurance go up if a 16 year old gets a older 2 door car?
Renters' insurance...yes or no?
I recently moved into an apartment and am contemplating renters' insurance. I have a few questions before deciding on whether to purchase a policy or not. First, is it worth it? The idea seems similar to buying an extended protection plan for a product; yes, the protection plan is cheap, but what are the odds that the product will actually break during the 1-year timeframe? Every item in which I have ever purchased an extended protection plan (TVs, computers, furniture, appliances) has never malfunctioned/broken. Basically, I paid that money to cover myself in the event of something happening, but nothing ever did happen to any of those items. I would say that I've thrown away approximately $1000 over the years on various protection plans. Second, when I am assessing my personal property value, should I overestimate the actual value of my belongings, or provide a more accurate estimate? Do insurance companies require any visual proof of items you own? I know there are more pros than cons to renters' insurance, but I wanted everyone's opinions on whether renters' insurance is a good buy. Thanks.""
Loans for older/classic cars?
Any banks or financial institutions out there give loans for older cars? I know most banks only give loans for cars less than 5-6 years old, but I want something in good condition that may appreciate in value, or at least not depreciate so long as I take care of it. But I do need a loan. Links to companies that do these kinds of loans will get you a best answer.""
Are there any sites where I can compare average insurance rates by model?
I want to get an idea of how much it would cost to insure different cars, but I don't want a quote because they will never leave me alone.""
Where can I get affordable group health insurance?
I am a college student who has alot of anxiety right now due to the recent divorce of my parents. I would greatly benefit from having psychological treatment right now but I have no insurance & it is expensive. Does anybody know of an insurance that would cover this?
Health insurance part time work ?
how to get coverage?
Will not going to driving school raise insurance?
I'm almost 18 and have not yet attended driving school. I was thinking that I'd just go to the BMV and get my license once I m 18 and not worry about paying so much money for driving school. But I have heard from a few people that insurance later on once I receive a car will be higher since I did not take any driving courses. Is this true? I want to know if it's better to pay a little extra now to go to driving school for lower insurance later? Or if it'd end up being about the same price, anyway, without driving school? (I know all insurance companies are different, but I mean overall/in general?) Please and thank you!""
Older Model Mobile Homes Insurance?
My sister & husband are buying a 1975 Moblie Home in New York State and need Insurance on it, All the insurance companies they looked at said it is too old. My question is where can they get insurance for a older type moblie home ?""
What is the average life insurance amount people take out?
What is the average life insurance amount people take out?
How much does deep cleaning cost on average with insurance?
I had a filling done and with insurance it cost about $100. Is filling more expensive than deep cleaning?
Car insurance question.?
I'm working on transferring my current car insurance to Geico and am filling out the electronic form to get a quote. My car is brand new, and I have had it for like eight months. I don't know much car insurance; in the electronic form, what coverage do I pick for full insurance instead of liability? Thanks.""
Cheapest auto insurance?
What is the cheapest auto insurance from personal experience, Please and thank you!!""
What is the best and most cost efficient way to move?
We are moving from Atlanta, Georgia to Boston, Massachusetts. I was researching possibly renting a moving truck, but I'm having difficulty finding the best option. I was considering U-haul, but from other message boards, I got the impression that as the costs add up with insurance and mileage and whatnot, it appeared to not be the best option out there (or maybe it is in comparison to other companies, I am not sure). Does anyone have any suggestions or past experience with a good moving company? We are looking for the best price option, and possibly a company where we could pick up the truck in Georgia and drop it off somewhere in Mass. **the trip is roughly 950 miles""
Is it cheaper to have two people sharing one car and insurance?
Basically, both going to be learning together then buying one car for us both. We'll both be new drivers and we will use the car whenever we both need, kind of new to this so any information will be helpful :)""
Car Insurance for a New Driver?
hi, I just got my license like 2 days ago and I have a question about car insurance. My dad won't let me drive until I get insurance, but he said I have to wait until I actually get my real dirver's license card in the mail. When I asked the dmv how long it would take for me to recieve it, they said like 4-6 weeks. So I was wondering if the insurance company will allow me to have car insurance coverage with my temporary license, or do I actually have to wait until I get my card license to be able to drive. Because if I'm not allowed to get insurance with my temp paper license, then does that mean I'm not allowed to drive? Because then I won't be covered if I get in a car accident right? So I'm not really sure on how this works. Please Help! Thanks""
What is the cheapest insurance if you have a DWI?
Transfering from Missouri where I have American Family. I am moving to Louisiana and American Family doesn't write there. I've only looked at progressive and they were pretty expensive, mass mutual wouldnt take an SR-22. Any suggestions?""
""If i just got my permit, can i drive my moms car without insurance?
I just got my permit and want to drive my moms car. Do i have to be on her insurance if i only have a permit?
Insurance Quote on WRX for 19 Year Old?
Hi im just curious if anyone out there could tell me what im probably going to be paying for a 2009 Subaru WRX. Im 19, male, and in my second year of college no tickets only one accident which WASNT my fault. Progressive wants to charge me $466 a MONTH. car would be payed off after 1 month and i live at home with parents HELP ME!""
Will my insurance company find out? If so how?
I got into a fender bender the other day, it was my fault, I can either pay for the damages to the other car out of my pocket, or I can let him tell his insurance company about it and he has a $500 deductable, I do not have coalition insurance, only liability, so if he reports it to his insurance will I still have to pay his $500 deductable out of my pocket or will my liability insurance company have to pay the $500? Or will his insurance company pay the $500? If he reports it to HIS insurance company will MY insurance company find out about the accident?""
What happens if you get into an accident without car insurance in MA?
My friend drove and without car insurance in MA. And she ended up going through a stop sign, and totaled another car, what will happen?""
Car insurance advice for a 17 year old?
Hello, I just bought a Citroen AX for 500, and have payed a lump sum of 2800 for 12 months insurance. My question is: If I get a 1 year no claims bonus when im 18, how much cheaper will my next 12 month insurance be? How much less do you think It will cost after a year of no claims. And If possible: How cheaper would It cost to insure that car after 4 years no claims? Thanks.""
How much is insurance on a ninja 250?
i am going to buy one in the next few weeks. i have a clean driving record. no tickets. no wrecks. im 22 years old. i live in kentucky. how much is insurance and what company's are best to get a quote from?
Car insurance?.............?
if im 17 and i want to pay car insurance, would it be cheaper if i put my grandpa whos been driving for yeara on the insurance?""
""I live in California, my 7 y/o daughter does not have health insurance, healthy families...?""
is not accepting applications anymore. we are a low income family and qualify for low cost medical, that does not cover doctor visits or prescriptions, where to apply for health insurance.""
Is ehealth insurance good?
i just bought insurance there. then checked out scams im freaking out a little but my mom says in no big deal. its just other broker trying to compete. I called ehealth and asked if i was to buy from the medical place myself would it cost me less? They said no, they charge no brokers fee. so Im a little confused. Help anyone? thank you!""
Cheaper car insurence for me?
ok so im 19 in october. and everywhere i look my insurance will be a minimum of 2800 a year if i had a 1.2 corsa. however if i went on my mums 2.0 tdi passat with her max no claims it will be a min of 3000 a year. why is this?? anyone know any loopholes or cheaper sites???
Will My car insurance go up if a 16 year old gets a older 2 door car?
Will My car insurance go up if a 16 year old gets a older 2 door car?
What insurance companies offer the best rates / coverage for Martial arts classes?
What is out there and about how much does it run?
What is the best affordable dental insurance.?
How much for 1 person and is there a deductible? (Wow I actually have a serious question.)
California health insurance?
I am looking to get health insurance for a year, more to take care of neglected issues than to cover my butt if I get sick/hurt (I'm 27, betting on youth and good health!). Kaiser seems to be the most appealing because they cover a broader range of services. I am namely interested in physical therapy (winged scapula), dermatology (oily skin/acne), perhaps mental illness services as I have suffered from depression (although I somewhat consider it a problem of my past). I'm aware insurance plans won't cover preexisting conditions, but how can they really prove these issues didn't start yesterday, right? I'm overwhelmed with my choices. Is it worth paying $330/mo for $0 deductible, 0% coinsurance, $40 co pays and a max out of pocket @ $3000? Or is it smarter to pay $166/mo, $2700 deductible, 0% coinsurance, $0 co pays after deductible, and max out of pocket @ $5000 (including deductible)? Etc. I have put off getting insurance because I'm scared I will pick a completely inappropriate plan. Can anyone shed some light on this for me?""
How much does it cost to insure a 17 yr old on an audi a3?
on a used 1.6 audi a3, how much does it cost (in the region of) to insure a 17 yr old if you don t have them as the named owner but a user?""
No income how do I get health insurance?
I've been reading and looking up info but I can't find exactly what to do. I have no job no saving no money at all I live in Las Vegas Nv I've tried looking for a job for the past 3 years now and I haven't found anything I live with my sister I'm not handicap nor have children or go to school so how and where do I get health insurance?
Insurance cost for new biker?
Hi I would like to ask people in my group of age (24 yrs old) how much would I have to pay for insurance, just passed my CBT and I'm looking for 125cc Cruiser, didn't find anything yet, but I'm trying to calculate the costs. I've checked few insurance sites and made quotes, but still confused.""
How much would I have to pay for car insurance?
I'm 18 years old and I just bought my first car and have no legal driving experience. Dose anyone know what's the most money I would have to pay for insurance?
Will this have high insurance?
i was thinking about buying a 2010 vw gti coupe or sedan. manual or automatic. is insurance on this high for a younger guy? it has a turbo on it. but it only adds i think 25hp coming out to about 200. would a sedan and automatic be cheaper insurance than a coupe/manual?
What are the different kinds of insurance out there?
I know there are some insurance that is offered as benefits by your employer such as medical insurance and Dental insurance. By how do you get insurance such as car insurance, Home owners insurance. By the way what is home owners insurance. I might go to become a nurse I know a doctor definitely needs it but how do you get malpractice insurance. What is auto insurance? What are the other different kinds of insurance out there that is necessary to make a living with out in this world. How do you get some of these insurance too. I know medical insurance covers like doctor visits and hospital stays. Dental insurance covers Dentist appointments. Car insurance is suppose to cover if you get into an accident and I believe if your at fault of it your insurance goes way up and what I mean is it is more money you have to pay them. How would you get car insurance. What is home owners insurance, and Auto insurance. What is Life insurance. I know it is usually offered by your employee.""
Car insurance?
where can i get the cheapest insurance?
Anyone know where to get good individual dental insurance thats effective immediatly?
I need my wisdom teeth removed but have no insurance, most individual insurance companies have a 6 month waiting period for procedures other than preventitive. I need them out now because one was infected and I got it treated with antibiotics but Im afraid it will come back because it keeps bleeding. Any help will do and I am in florida.""
How much does a No Proof of Insurance ticket cost in Arkansas?
How much does a No Proof of Insurance ticket cost in Arkansas?
Question about car insurance?
my wife is new to this country and will just be getting her license soon. I am 27 and my insurance has just dropped below 100/month. How much would adding my wife who is 33 but never had US license and doesnt have credit make my insurance go up?
What and who has the Cheapest car insurance for a 2005 Mustang?
i am getting a 2005 Ford mustang, and i wan to know who has the cheapest insurance for a mustang. thx""
How much is my motorcycle insurance going to be in Alberta Canada(rough estimate) please help!?
Hi I live in Alberta Canada and i im 15 and have my learners, when I am 16 I am planing on getting my motorcycle license i have nothing on my driving record (crashes, speeding tickets, ect). The bike I am planing on getting is a 2010 Kawasaki ninja 250R and Im looking for a rough guess on how much it would cost to insure for a year. Thanks""
What cars are cheap for insurance?
i haven't passed my test, but am thinking about getting a little car. i need it to be cheap on a full uk lisence otherwise i won't be able to afford it. i would also aprreciate your help if you know any cars that have good consumption rates and are cheap to run. thanks in advance""
""Insurance group 19, how much does it cost?""
its a mercedes gl 320, diesel. How mcuh does insurance group 19 cost?""
I own a car and am selling it to a guy. He is the only driver. He refuses to get insurance.?
I have given him 3 months to get insurance, but he hasnt gotten it yet. I have kept the vehicle on my insurance until he gets it, but he still hasnt gotten it. And now he is complaining that I should stop insuring it so that he doesnt have to reimburse me for it. My questions are: What would happen if i dropped the insurance and he got pulled over or in a wreck? Who would be responsible, me or him? Could my rates be raised? Could I personally get into trouble with the law for allowing an uninsured driver drive an uninsured car that I own? We're in the process of getting a temporary title for him so that I won't be responsible, but in the meantime I need to know the consequences. I live in Ohio.""
Can i change my license address to be covered by car insurance?
background info: -17 yrs old, male, got my license in january so its provisional, live in california. so i contacted my mom's auto insurance (liberty mutual) and they said the only way i would be covered as an occasional driver without being listed is if i didn't live in the same household otherwise i would have to be listed. so would it work if i just changed the address on my license?""
Best pregnancy insurance in PA?
I live in Philadelphia I currently have no insurance. Looking for best private insurer -any info or feed back would be great I am currently 9weeks pregnant
""I hit my friends car, they dont have insurance?""
I accidentally hit my friends car with my truck and it's pretty damaged. I apologized and said id call the insurance company. They said no because 1. The car.is up for repossession and 2. Because they don't have car.insurance! They supposedly went and got a quote to fix it and it's $1,200. They want me to GIVE them $1,200! I refuse because this is why I have insurance. What do I do?""
""When leasing a car, how much does one usually pay for GAP insurance, if it not included in payment?""
Thinking about leasing a Toyota Camry LE (sale price 19,200.00) for 3 years. I'm wondering what others have paid for GAP insurance on similarly priced,leased, autos, or on any priced autos. My auto insurance company does not provide GAP insurance. Hope this is clear. Thanks.""
Insurance for learner drivers?
I am going to put on the insurance of my Granny's brand new Kia Picanto next month to practise driving as well as having lessons. My grandparents, parents & me are going to be insured and I just wanted to know what the cheapest insurance company for learner driver's were. I have already used comparethemarket.com but some were very expensive. Are there any cheap insurance companies for learner drivers? I am aged 17""
Cheap cars to insure?
What are some cheap cars to insure?
Do I really need liability insurance?
So, I am thinking of opening a summer company and I don't think I need liability insurance. I know that everyone should have it, but I don't think it's really worth it for me. All of the places I will be visiting will have their own insurance and I will only be using the insurance for a week or so a month. As I won't be using it a lot, I don't think I really need it. So, basically, do I need insurance for my space in an insured venue. Thanks in advanced!""
Will My car insurance go up if a 16 year old gets a older 2 door car?
Will My car insurance go up if a 16 year old gets a older 2 door car?
https://www.linkedin.com/pulse/what-jobs-uk-offer-car-insurance-extra-edith-doster"
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myfinanceblog · 7 years
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New Post has been published on My Finance Blog
New Post has been published on http://princefinance.princefamily33.com/2017/08/22/fix-a-messy-credit-report-with-these-tips/
Fix A Messy Credit Report With These Tips
TIP! The first step in repairing your credit is figuring out a plan that works for you, and sticking with it. You must be committed to making real changes in the way you spend money.
You might feel like you are being taken advantage of it you have bad credit. The circumstances that lead to bad credit are rarely ones you want to look back on fondly, but a low credit score provides a constant, irritating reminder. The good news is there are many ways to improve your credit. Get started today with these tips.
TIP! You can dispute inflated interest rates if you are being charged more than you should be. There are legal limits set in place to control the amount of interest a creditor is allowed to charge you, plus your original debt is all the credit card company paid when you made the purchase.
The first step in credit repair is to build a plan. You must make a commitment to making changes on how you spend money. Avoid buying what you don’t need. Before purchasing an item, ask yourself if it is absolutely necessary and well within your financial means. If you cannot answer each of these in the affirmative, do not buy the item.
Credit Cards
TIP! A good tip is to work with the credit card company when you are in the process of repairing your credit. If you do this you will not go into debt more and make your situation worse than it was.
You may be able to get a secured credit card even if your poor credit has prevented you from getting other credit cards. These types of credit cards often require a good faith deposit to open a new account. A new credit card, used responsibly, will help repair your credit rating.
TIP! Be very wary of programs that do not sound legal; chances are they aren’t. There are schemes online that will show you how to establish an additional credit file.
If you have credit cards with balances that are greater than fifty percent of the maximum, you should pay those down as quickly as possible. It’s best to keep all of your credit cards below the fifty percent mark! Any balances that are over half your limit drag your credit rating down. So be sure to pay your credit card down or, if you can not, try to use another credit card.
TIP! Call and request lower limits on your cards from the credit card companies. This is likely to keep you from overusing credit, which can be a financial burden.
When you have better credit, you will be offered lower interest rates on loans and credit cards. This can help lower your monthly payments, and help you pay them off quicker. Obtaining lower interest rates will make it easier for you to manage your credit, which in turn will improve your credit rating.
TIP! Do not spend more than you can afford. This may mean that you need to alter the way you have been thinking.
For a credit score boost, an installment account will help. You are required to meet a monthly minimum, so be sure that you can make the payments. Keeping an installment account will help your credit score.
TIP! Try to pay down all of your debts until you’re only carrying a balance on one. Call your credit card company and try to work out a repayment plan, or transfer the balances of multiple cards to one lower interest card.
Do not fall for the false claims many have about their ability to fix your credit. The claim that they can remove accurate debts from your credit report is false. Regardless of their claims, these debts will stay on your report for seven years at a minimum. It is possible to have erroneous information removed from your report, however.
Credit Counselor
TIP! Lower the debt on revolving credit accounts, like store and credit cards, first. Reducing the amount of debt you’re carrying is one of the best ways to improve your credit score.
Always do research before contracting a credit counselor. Many counselors are on the up-and-up and are truly helpful. Others just want to take money from you. Some companies you may find are outright scams. Smart consumers make sure that a credit counselor is legit before starting to exchange any money or sensitive information.
TIP! Debt collectors are an intimidating and stressful part of dealing with bad credit. You can use a cease and desist letter to stop any harassment from collection agencies.
Do not use credit cards to pay for things that you simply cannot afford. This might be a tough thing to get your head around. Unfortunately, easy credit has lured many people into buying luxuries that they don’t need and cannot afford, which will always catch up with them. Be honest with yourself about what you can truly afford.
TIP! If you have a lot of debt that you cannot pay, it can create a mess. Divide your money between your creditors so every one gets paid.
If you have bad credit, have your credit cards merged into one single account. You can transfer all of your balances to one credit card, ensuring you choose the one with the lowest interest rate. Doing this will allow you to focus on paying off one large credit card bill, instead of several smaller ones.
Carrying a low credit score can make you feel negative toward many aspects of your life. These suggestions can help you get on track with fixing your credit.
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