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bts-teaspoonff · 4 years

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Fangirl pt. 3

Genre: Romance, Slow Burn, Idol A/U

Pairing: BTS OT7 x reader

Rating: PG

Summary: Y/N, being a huge fangirl, finally got her chance to work alongside her favorite idol group as a backup dancer. She gets to know each member personally and realizes that her feelings may be more than fangirl-idol attraction.

Word Count: 5.6K

Taglist: @nochujeonjk @i-like-puppy-mg @miyochan @satotakeru14

PARTS: 1 | 2 | 3 | 4 | 5 | .... masterlist

So far, your week of waiting for the company’s response was uneventful to say the least. You exchanged contacts with some of the dancers and they have all been very friendly with everyone. You were busy with work at the gym and at the dance studio so that made you take off your mind from the backup dancer job at least for a while.

During those days that you were waiting, you took double shifts in the gym and twice the amount of classes in the dance studio. You wanted to push yourself just to ease your nerves. Also, you need to pay this month’s rent alone since your roommate and best friend is out on vacation.

Lisa, your bestfriend. She’s been with you ever since college. Both of you only started living together when your brother moved out but she used to always live near you. When she moved in with you, she would always leave to travel somewhere for at least a month then come back to you. That was now your routine with Lisa. She loves travelling so much that she promised to fulfill her bucketlist as soon as both of you graduated. Her family is pretty well-off and she manages this online clothing shop to finance her trips. You and Lisa constantly video call each other almost every day. Sometimes, you would even answer each other’s call even when you’re in the shower. Of course, you already informed her about your pending job in Big Hit. She almost exploded from happiness when she got the news. She was hiking that time and it almost gave you a heart attack when you saw her jumping from happiness near the ledge. You could say that she’s your #1 fan and you are hers too.

The day came when you received the email. You were eating your breakfast at that time, taking a big bite of your omelet sandwich. You choked on your glass of water as you read the email saying “Congratulations. You are now formally a part of Big Hit’s Dance Team.” You read the other contents of the email as you generously drink water once more. You are soon to be expected to start two days from now. You can’t contain your excitement as you feel your face beaming with happiness. You could just dance your ass off right now from joy. You walked to your room with a sandwich still in your mouth as you reach for your speakers. You blasted Anpanman by BTS on full volume and pranced around the room. You also took your RJ and Koya plushies, hugged it and twirled around. You buried yourself under big Chimmy, Tata, Cooky, Mang and Shooky plushies on your couch.

You nervously entered the Big Hit building once more and went straight to the practice room. You made sure not to order a big glass of coffee this time, even though it’s very tempting. You just made a small cup of coffee at home, a routine that greatly relaxed you. You enter the room with one hand tightly gripping the strap of your cross body bag. You saw familiar faces and was grinning from ear to ear. It turns out that everyone was accepted and no one was left behind. A few of them ran to you, hugged you and then pushed you to join some of them sitting on the floor.

The dance directors and choreographers gathered all of you to discuss the plans for the dance team. Everyone was then assigned to different artists to solely focus on their performances. They started calling out the names of the dancers and the artists who they will be working with. Our main dance director started with TXT and you were not on the dancer’s list. You silently chant each of the boys’ names one by one, as if you were having a ritual on your own, until the dance director mentioned BTS. Your ears were on full concentration mode as he calls the names of the dancers one by one. As if on cue as you were continuing to chant the boys’ name and imagining your name being called, you heard your name slip from the dance director’s lips. You really tried your best to not shout and celebrate. You feel like you won the lottery at this point from your chain of good luck lately.

Each dance team then went on to different practice rooms. You, along with other male and female backup dancers, were present in another practice room as your dance choreographer started informing everyone that BTS is planning an online concert months from now. Everyone will be performing a lot of new numbers, including new dance breaks that will be mainly composed of you with the other female backup dancers.

For the first week, everyone started the dance practices without the boys yet. Everyone would spend hours being taught group performances by different choreographers. Two of which are old songs from their old albums and two were from their latest album. At first, you struggled to keep up with the other dancers but all of them were nice in helping one another when one has a hard time with performing the steps. You also made friends with the male backup dancers especially those who were close to your age. All of you were quick to get acquainted with each other and that made work very fun. You would always be light on your feet when coming to work since you’re glad you could make new friends who share the same passion. Everyone was so nice to you too since you’re the youngest out of the female backup dancers but there are also two male dancers younger than you.

You were also excited for your new work since you would get to see Jiyong almost every day. When one of you are free, you would always eat together. Your heart is filled with happiness right now. Your mind is now at a place where you’re just sitting on cloud 9.

Your body couldn’t really handle three jobs at the same time so you chose to quit teaching dance classes at the dance studio. You informed the dance studio owner about your new job to which she congratulated you non-stop. She knows how much of a big fangirl you are to BTS so she couldn’t be more proud of you. She then proceeded to convince you that no one better than you should handle the BTS dance classes. She made good points that convinced you to stay but only if you handle selected classes that works around your schedule. Luckily, she agreed and gave you at least one class a month. You couldn’t really argue with her since she pays you generously per class that you teach.

You retained your work in the gym since your shifts works around your work in Big Hit. You could handle your new work schedule and you really need to earn money for the apartment fees and your BTS merchandises. You also informed the gym owner about your new day job and he congratulated you non-stop as well. He nicely let you adjust your shift to better work around your new schedule.

So far, everything is going into place. Your new job, new acquaintances at work, quality time with your brother, and Lisa will be returning soon from her trip. You could just sit down and inhale all the good air that’s surrounding you lately. You’re scared that given this amount of good luck around you will be soon replaced by strings of bad luck, but of course you’re highly hoping that will not happen.

You went home late one night from a hectic shift at the gym. One of your clients arrived late for her schedule but still came, coinciding with the timeslot for your other client. You still accommodated the two of them and went back and forth for them during their sessions. You had to be the one to close the gym that night also. You ate like there’s no tomorrow that night since you were so tired from dance practices and the sessions at the gym. You just went to sleep right after dinner, slamming yourself into the bed and into the sheets.

You didn’t wake up from your alarm the next morning. Good thing that you had already wash your hair last night so you just fashioned a bucket hat and hurriedly fix yourself before you went out in a rush to try to arrive on time for your dance practices. You arrived at the lobby entrance just in the nick of time with a few minutes to spare, rushed to the elevator and tried to catch your breath while you wait for the lift to arrive on the right floor. You hurriedly ran out the elevator and to the hallway when you heard your phone ping. You took out your phone in your pocket while rushing in the hallway. You saw Lisa’s name at the top of your notification screen but chose to read it later and kept your phone in your hands.

You were approaching a corner in the hallway so you decreased your pace but was still slightly running. As you were about to take a turn, your head bumped into something soft but obviously firm that was moving towards your direction. You were slightly pushed back but somebody’s hand caught your arms as you were about to fall backwards. You soon realized that your head bumped into someone’s chest, somebody who’s very tall. You look up and saw Namjoon. I really got to stop meeting the boys by bumping into them like this. Your mouth fall to the floor in shock and embarrassment.

His hands were big and his arms were tan and toned. He still excludes this gentle giant aura, the same way you pictured him every time you see him on social media and on the pictures in your phone. He still has his hands around your arms as you try to help yourself back up from almost falling to the ground. As if you could feel fire on your arms around his touch and time stood still. Both of you apologized to each other at the same time. You both chuckled as you withdraw your hands from each other. As you were about to introduce yourself, you noticed that your phone was on the floor and under his foot. He also soon notices this as you try to bend down to reach for your phone.

You took the phone under his foot and checked it. You stared at your phone screen and was shocked to see the screen cracked. You saw Namjoon looking at your phone as you check but quickly hid it realizing that your wallpaper was all of the members of BTS. You wouldn’t want to embarrass yourself more by letting him know that your lock screen and home screen are photos of them. Unfortunately, Namjoon has already noticed the crack on your phone screen even before you hid the phone away from his eyes.

“I’m sorry. I didn’t realize that I stepped on your phone.” Namjoon panicked at the sight of the cracked phone screen.

“No, it’s okay. It’s my fault also for not being careful.” You assure him but he clearly looks worried about the cracked phone. “Nice to meet you. I’m y/n. One of the new backup dancers assigned to BTS. I’m looking forward to working with you.” I bowed.

“Nice to meet you and looking forward to working with you as well.” He bowed as well. “I’m really sorry about your phone. Can I do something about it?”

“Honestly, it’s okay. It’s just a small crack.” No it’s not entirely okay because the crack almost encompasses the whole screen. It’s my fault anyways so he doesn’t have to feel bad about it. You don’t want to burden him about your phone. “Also, I’m sorry but I’m really in a rush for practice. See you around. Nice to meet you again.” You bowed and rushed towards the practice room.

“Wait.” Namjoon raises his hands while looking at you, rushing away from him. Although he was truly worried about your phone, he actually caught a glimpse of your lock screen. It amuses him to remember you trying to hide the phone from him. Of course he knows that their fans would have the members as their wallpapers but usually their staff wouldn’t really have the boys’ face plastered on their belongings.

You are still in disbelief that you met Namjoon. Your heart is still in disarray as you try to replay the scene in your mind. His hands are big and he’s so tall. His chest is so toned that even though your head bumped into him for a split second, you could almost remember the ridges of his chest.

…..

“Shit.” Namjoon exclaims as he slumps back on the couch of Hoseok’s studio with four other members in the room. Jimin, Taehyung, Hoseok and Jungkook all turn their heads as their leader enters the studio.

“What got you in a dump, hyung?” Jungkook asks in concern.

“I stepped on a phone and destroyed the screen.” Namjoon puts his hands on his face. He’s wondering how he can mend the cracked screen situation with you. Your face suddenly appeared at the back of his mind and honestly, a part of him find you adorable and beautiful. The way how your fringe falls perfectly on your forehead and on your long lashes. You were a little pale but still, he got a long look at your face and still finds you attractive. He never got interested with female staff members but there was something about you that piqued the leader’s attention.

“Whose phone?” Hoseok, seated in his chair in front of his equipments, turns his chair to face all the other members.

“One of our female backup dancers.” Namjoon groans out loud in frustration, breaking him from his daydream.

“How did you even step on her phone?” Jimin asks his leader, seated on the far corner of the couch beside Taehyung.

“I saved her from falling then I didn’t realize her phone was under my foot.” Namjoon sits straight up, shaking his head.

“You never disappoint, hyung.” Jimin laughs while reaching for Namjoon’s shoulder to pat it. Taehyung sits back to give access to Jimin’s hand to reach Namjoon.

“Give her one of our extra Samsung phones. I think we still have some of those. Go ask the staff.” Taehyung suggests.

“You really are the God of Destruction.” Hoseok chuckles at his good friend.

“I’m so embarrassed. I just want to bury my face right there and then.” Namjoon pouts in frustration.

“I think I can help you ease your frustration.” Hoseok turns his chair around back to his monitor. He pressed a few buttons and music started playing through the speakers. “How is it?” Hoseok plays the song that Namjoon, Taehyung and himself are working hard on. He glanced behind to look at Namjoon’s face. Namjoon stood up and walked to Hoseok’s chair.

…..

I am so tired. I think I’m pushing myself too far this time. You still have a few weeks before Lisa returns so you doubled your shift in the gym. You could really use the extra pay since you spent your extra savings on a few BTS merchandise and on repair fees for the air conditioner at home. The double shifts will only last until this week so you have no problem with it.

You came into the practice room, still groggy from lack of sleep. You glanced at the huge mirror across the room and saw your pale face and poor complexion. Gosh, you have never looked this bad since finals week in college. You tend to forget to take care of yourself when overworking or fatigued. You took a sip from the cup of iced Americano on your hands and sat on the floor with the other dancers.

A few minutes after, the choreographer came in and soon follows the 7 ethereal beautiful boys. They bowed one by one as they enter the room and thanked us for our hard work. You try to fix any unruly strands of hair on your sweaty forehead and straightened your back.

Namjoon entered the room first, greeting all the dancers with a smile. The leader exuding off a charismatic aura as he leads the group in the room. Jimin and Hoseok soon followed, both of them hand in hand giggling and skipping but released their hold on each other and laughed out loud after a few steps inside. The two main dancers eager to meet the dance team. Taehyung and Jungkook silently followed their hyungs, strutting like models with their hands in their pockets. I saw the maknae sporting a man bun that compliments his face and almost making him look like a Greek God, especially with how his tight black long sleeve shirt faintly gives a silhouette of his sculptured chest and back. Taehyung’s disheveled curly do accentuates his bear-like cuteness but still gives off a masculine appeal. Lastly, the two oldest entered the room greeting the dancers. Yoongi entered first with Jin’s hands on his other member’s back. The two of them silently entered the room, ensuring that they greet all of us first before joining the other members at the side.

Your eyes scanned the members one by one as the choreographer informs everyone about the dance practice for today. As you were admiring the amazing view in front of you that was gracing you this morning, your gaze met with Yoongi’s. He then slightly put his head down while looking at you. You couldn’t really paint his expression right now but you dare to say that he looks bothered. Like a puppy that chewed his toy and is being scolded by his owner. He then turns his head away to talk to the other boys when he saw you openly reading his face.

You were so confused at Yoongi’s bothered expression when you caught him looking at you. You don’t remember bumping into him or meeting him today. Yet, his aura today is a lot softer than the day you met. For your first and second (may I say terrible) encounters, he would always look so irritated or pissed at you specifically. I mean who wouldn’t, you’re crazy clumsy ass kept on bumping into him.

Everybody’s in their respective blocking and is set to practice once more. The moment the music started, your heart kept doing somersaults. This is the moment you’ve been waiting for. You are now dancing with the 7 boys. The pinnacle of your fangirl chronicles. You could never imagine that someday you will share the same stage as them. You truly respect them for their art and passion so you give your all even on their first full dance practice with the dance team. Of course, Jimin and Hoseok doesn’t disappoint. The two energetic boys that came skipping inside the room just moments ago became two dancing machines. You couldn’t stop smiling that you could feel your face could tear off. Your fatigue went away as you savor this moment. Nothing matters right now, only this moment.

The music stopped. All took a minute before polishing the dance moves on a specific part of the song. One female backup dancer nudged you on the waist, giggling. “You happy?” She was one of your good friend on the dance team. She knows that you’re a big fangirl of BTS and how ecstatic you are about your new occupation.

“Dream come true but I’m still so far off from being perfect. I need to be at my best to be deserving of sharing the same stage with them.” You whispered to her while giggling. She pats my head in adoration and you looked at her.

“Don’t be too hard on yourself. You’re doing a good job.” You smiled back at her. Soon you heard the choreographer call out everyone to gather to start practicing again.

Two hours were spent in the practice room, dancing nonstop. Slowly, you could feel your fatigue catching up to you but you refuse to take a break. You could see everyone’s passion and hard work so you don’t think you deserve to take a breather. Everyone was giving their all from the boys and girls on the dance team, the 7 BTS members and even with the choreographers. A longer break was given after the two hour mark. All of the other dancers walked straight to their bags to get their water bottles. The 7 boys also went to the water dispenser at the corner of the room near the door to take a sip of water as they catch their breath. You walked towards the door, excusing yourself out to use the restroom. You saw Namjoon and Yoongi noticing you as their eyes follow you before I opened the door.

You took a few steps away from the dance practice room and was stopped in your tracks when you heard a familiar voice calling your name. “Hey!” you turned around and saw Jiyong walking through the hallway in the same direction as you.

“Hey. What’s up?” Jiyong walks up to you with a smile on his face.

“I’m on my way to the recording studio.” He turns his head and caught his eyes on the dance practice room. “Are you guys practicing right now?”

“We are on a break as of the moment.” You wiped your sweat off your forehead. “Who knew that even dance practices was this intense?” You saw Jiyong examining your face and he lifts up his hand to land on your cheek.

“Your complexion’s not good. Are you eating well?” You froze in place. Is my complexion really that bad? Actually, if I remember correctly, I only ate crackers this morning and haven’t got a chance to drink water since I was rushing to go to work.

“Oh. Jiyong-nim.” You and Jiyong quickly looked towards the practice room door when you saw Namjoon, Yoongi, Jimin, and Jungkook about to go out of the room. They saw Jiyong caress your cheek and their faces are painted with bashful expressions. They immediately thought that you might be in a relationship with Jiyong. “You guys know each other?” Namjoon asks your brother.

Jiyong quickly placed his arms on your shoulder and around your neck. He laughed as he rubbed your head. “What do you think?” He placed his hand under your chin to lift up your head straight to present to the boys. The four of them puzzled by your brother’s question and took them a few seconds before it registered to them that you and Jiyong are twins. You totally forgot that Jiyong mentioned that he was good friends with the boys. I want to hide right now.

“No wonder why she looks familiar. She reminds me of you, hyung.” Jimin exclaimed.

“You’re twins?” Yoongi asks Jiyong. Your brother nods his head while giving his boxy smile.

“Identical, in fact.” Jiyong proudly stated as he further rubbed my head, making a mess out of my hair.

“That’s amazing, Hyung. I didn’t know you had a twin.” Jungkook exclaims as well, in fascination. You were just quiet in your brother’s arm. He released his hands around you and you stood up straight. Taehyung and Jin noticed the commotion of the four boys and also peeked out the door. Jimin informs the two boys and you saw Jin opening his mouth in astonishment, releasing a loud gasp in his tiny comedic voice.

“Take care of my sister. If one of you mistreats her, I’ll give you a hard time in the studio booth.” Jiyong jokingly teases the boys.

“You know I’m older than you right?” You quickly hit him on the shoulder as the boys laugh.

“By two minutes.” He looks at you and laughed. He glanced back to the other boys. “Anyways, she’s a big fa…” You pinch his waist to stop him from talking. He cries out in pain but at least that stopped his mouth from rambling.

“Excuse my brother. He likes to tease me a lot.”

“Well, I have to go to the studio booth as well. If you’ll excuse me.” Jiyong finally excuses himself out. He walks away and left you out in the hallway with the 7 boys just standing outside the practice room. A short silence from all of you filled the hallway before they resumed from walking out of the practice room.

“I have to excuse myself too.” You bowed, turned around and continued walking away.

“Wait.” You heard Yoongi call out as his footsteps catch up to you. Not long, he caught up and stopped in front of you. He scratched the back of his head with his head down. “I owe you an apology.”

Yoongi was uneasy at the thought that he disrespected you twice at the expense of his mood that day. The last thing he wants is to never get the chance to apologize to you. He couldn’t really concentrate on the dance practice today as he could see you avoiding him. Whenever he would try to take the chance to apologize to you during breaks, you would always be around the other dancers.

“Apology? For what?” you froze in place out of shock and wonder from yoongi’s statement. You stare at the man in front of you with his head slightly down. The air between the two of you was so still.

“The day we met… I am aware that I was not at my best self and it turned out I was rude to you. Even if I was having a bad day, there’s no excuse for my lack of respect.” He lifts his head up and looked straight in your eyes. As much as you appreciate his apology, you couldn’t really respond to him as you realized that one of your idols is just an arm’s reach away. Never have you imagined that someone you just watch over and over again from the small screen of your phone would be humbling himself before you to apologize. You don’t really know how to handle the situation.

“It’s okay. It’s my fault as well. I guess I have to learn not to be as clumsy anymore.” You laughed as you placed your hands on your nape. His face slowly lit up and the air between both of you started getting lighter. “Here I thought you’re actually disliking the idea of working with me. You were wearing this irritated expression whenever our eyes would meet during practice.”

Yoongi got beet-red thinking that’s how he comes off to you when he was actually irritated by the fact that he can’t get a chance to talk to you alone. “No. I was just…. trying to find a chance to apologize to you.” You smiled so sweetly at the thought of occupying yoongi’s mind during practice and even made him worry on how we would approach you. Yoongi notices the change in your expression and his heart skipped a beat. There’s something so adorable with the way you smiled that caught Yoongi’s attention. He took a good look at you and realized that you were actually good looking despite being so sweaty from practice.

“I would like to begin again.” You held out your hand to Yoongi. He looks at your hand and back to you. “I’m y/n. It’s an honor to work with you. Let’s do our best to show everyone the best performances we could give.” You flashed a smile so big that made Yoongi pleased as well. Your passion to give your best performance fascinated him.

He shook your hand and his heart skipped another beat. A smile like that fits you so well. You almost remind him of Hoseok. Someone who embodies sunshine. Also, he admits that you really look beautiful. Not that he wants to compare you to the other female dancers but he can admit that you’re the most attractive out of all of them. He had his eyes on you the whole morning and was amazed by how you transform into a dancing machine when music starts.

…..

You just concluded your last session with a client at the gym. Despite having a chance to go home early, you kindly offered to the gym owner that you would stay until closing time. You asked permission to use the small studio in the gym. He gladly allowed you and you were ecstatic to finally have a space where you could freely practice. Back at home, the apartment that you share with Lisa is just the adequate space for living, but not so much to consider it as a space to practice. You own a floor length mirror but it’s beside your bed. Your arms and legs have bumped your bed so many times that you could almost file a physical abuse case against the innocent piece of furniture. The small studio in the gym may not be as big as the practice room in Big Hit but it has enough space for you to fly and dance around. Plus, there’s a huge mirror on the entire wall. You’re actually fortunate to have the studio by yourself.

As you start practicing the dance numbers inside the small studio, the gym owner quietly manned the reception area in your place. Only a handful of customers are now currently using the gym and usually at this time of night, influx of customers is at bare minimum. Suddenly, someone enters the gym and walks to the reception area. The gym owner turns his head towards the door.

“Hyung!” The gym owner was surprised by the sudden visit of his friend. He shoots up from his seat to welcome the person who just came through the door.

“Jungkook! What are you doing here?” Jungkook appeared in front of the gym owner wearing his huge black hoodie and a black cap to hide his face. The gym owner walks around the reception table and hugs Jungkook.

“I just tried a new route to run and I remembered your gym was along the way so I thought to pop in and say hello.” Jungkook hugged his friend tightly. They continued to chat as Jungkook quickly noticed the music that was coming from inside the gym. The gym owner also noticed Jungkook looking towards the direction of the sound.

“That’s coming from the studio… which reminds me, one of my employee just got in as your backup dancer. She’s so dedicated and diligent that she spends her extra time to practice here after her shift.” The gym owner offered to usher Jungkook towards the small studio. Jungkook was intrigued and fascinated that one of their backup dancer works at the same place as his close friend. The music gets loud as they get near the studio and he gets a glimpse of somebody dancing eagerly to one of the songs that they were just practicing to this morning. They look just outside the door and Jungkook’s eyes were glued to you as you dance.

He recognizes you immediately and was captivated by how you were working so hard this late at night. He noticed that you weren’t wearing the usual baggy cargo pants that you love to wear for dance practices. You were wearing tight gym leggings and a dri-fit shirt. Nevertheless, you still exude charm and power when you dance to their songs. Jungkook admits to himself that the sight of you in tights dancing to their powerful songs charmed him.

He opened the door and you were late to notice the sound of the creaking door. You were surprised to see Jungkook’s reflection behind you as you strut to the music. Jungkook jumps in surprise when you gasped out loud at his presence and you ran for the speakers.

“Noona, I didn’t mean to surprise you.” You bent down to stop the music. Quickly, you stood up and turned to face him. Jungkook was still walking towards you. He removed his cap and ran his hand through his hair. He was sweating a bit but still, the sight of him sweating makes him look like he’s sparkling. You wondered why in the world is he inside the same studio as you are now. “Hyung’s my friend and I happened to be in the same area so I dropped by. I didn’t expect Noona was working here.”

You peeked towards the door and the gym owner was smiling and waving his hand. He must’ve been the one who informed Jungkook that you were practicing here, you thought. Your attention came back to Jungkook. You admired how handsome Jungkook looks right now despite being barefaced. “May I help you with something?”

“Do you want to practice together? I mean if only you’re comfortable with it.” He offered. Suddenly, you felt like everything slowed down and the two of you remained. You want to slap your face in disbelief that Jungkook actually offered to practice with you. Jungkook slowly walk towards you and you react by stepping backwards.

“I’m having a hard time learning a specific part in the choreo so I may not be the ideal practice partner… for you right now.” You feel as though the space between the two of you has shrunk. Jungkook smirks at the sight of you slightly panicking as he steps closer. Jungkook has been eyeing you ever since the first practice session with them this morning. He saw how his hyungs, Namjoon and Suga, kept on looking at your direction. He discovered that you were the same girl that they were talking about. You were the one whose phone was destroyed by Namjoon, who caught the attention of Jimin and Jhope during the evaluation, and who constantly occupies Suga’s mind about when to apologize to you. You piqued his attention with the way you had these encounters with his hyungs. He also noticed your charm whenever you execute the intricate choreograph during practice, just as Jhope and Jimin describes. He’s determined to have this chance to dance with you.

“I’m sure I want to practice with you.”

Next part: 4

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hulmestorage · 4 years

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Before you choose a center, ask the manager about their move in rates together with how generally their boost their rates. Self storage area fees will change based on your storage demands. If you need a large storage system, anyone should expect to pay out additional money00 as well. Measurements generally consist of 5 times 5 feet to 15 x fourty foot. Regardless of whether you are looking for you to store some sort of box associated with books or even a car, anyone will have to give depending on the size you pick. You can save cash with careful planning. A large number of people end up paying out even more cash than that will is needed. This is because they choose storage units which are too huge for their possessions. In the event you plan carefully and pack your items adequately, it is possible to determine often the kind of storage space you will want. Storage units arrive in different sizes is actually different prices. By choosing a self hard drive unit which is the right size for your current things, you will become able to save money. 5. What Unit Size Do i require? This will hinge on the amount involving products you are hunting to store. If you have by now planned exactly what items you may be putting found in storage, try to organise them in way in order to determine the size of unit that you need. Taking them within boxes can easily help you get a idea of the measurement of unit that you can book. Moreover, you can as well seek help from the particular self storage representatives. They will will be able to help guide a suitable storage space unit for you. 6. Just what Must My spouse and i Know About Self Storage area Agreements? You must in addition know with regards to often the contracts. Most do it yourself storage companies will call for you to make an beforehand deposit. Deposits such as any rental agreements, using equipment for example moving quilts during the rental period of time and cover damage. This specific sum will normally be reinstated back to an individual when the contract expires. 7. What Are Often the Types of Self applied Hard drive Available? There are two main types of home storage. This consists of interior storage area and shed storage. In house storage is usually temperature regulated and features insulated walls. This provides defense against the environmental damages such as fire. Shed storage aren't protected or temperature managed. This makes renting indoor storage area units expensive. almost eight. Do i require A Weather conditions Regulated Product? Climate controlled do it yourself storage space will safeguard your current possessions from extreme weather condition conditions. This is especially true if you are looking to retailer belongings such as wood furniture and apparel goods. As soon as these items will be kept in standard storage area devices for long times of your time, it is not astonishing to see mildews on the materials and out of shape wood.Hulme Storage If you are looking to provide extra protection to your stuff, decide on some sort of self storage area service which is weather conditions controlled. A new climate governed facility essentially includes heat and air conditioning products to sustain a consistent climate within just the capability. 9. Can one Get Insurance For The Belongings? Most self storage space companies do not provide insurance from any damages or deficits. There are some which will provides optimal insurance which covers against environmental damages for example lightning, fire, water leakage, smoke, hail and tormenta. However, not all the items you store can be covered beneath the insurance coverage plan. Such items may possibly include things like jewellery, precious pebbles, stamps, card collections, skill, foreign currency, etc. 10. What Is The Rental Period? The bare minimum rental period in almost all on the self storage facility the month. You will store the items in the facility for starters, a couple of months, one year or perhaps for just about any length of time. 11. Are All The Self Storage Amenities The exact same? First of all, an individual must realize that not all of self storage amenities will be the same. For instance, if you are now living in Manchester, you will find hundreds of home storage amenities in your area. But, will all of these individuals offer the equivalent amount security, availability, sanitation and customer service. There will be numerous variances between the different self safe-keeping establishments and knowing these kind of dissimilarities can help you help to make the appropriate choice. 12. What Are Home Storage space Auctions? A home storage area auction is kept whenever a person has discontinued goods in a storage capability and has unsuccessful to pay book. A great auction is kept in order to recover the costs, unpaid charges, rent, etc. Also if men and women cannot give for the storage area device in cash, do it yourself safe-keeping facilities allow them to help market their goods for you to pay off charges which will are due. Business Name: easyStorage Address: Unit 14 The Mill, Bury New Road, Bolton, BL2 6QE Email: [email protected] Contact number: 01615181828 Business Description: Domestic and Business Storage provider within the Greater Manchester area. We are mobile and come to the customer, collect, store and then return when the customer requires the goods back. URL: www.easystorage.com/manchester Working Hours: Monday to Friday 8am till 6pm, Saturday 9am till 4pm, Sunday Closed

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mycsgoaccounts-blog · 4 years

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The War on Used Games

Once we prepare for the coming wave of next generation systems, we should be anticipating improvements on all the good stuff we associate with the current crop of systems. Moving forward we expect: better graphics, faster processors, more fascinating games, you get the idea. But not everything that we're anticipating will be a progressive movement for gaming. At least, as far as Sony and Microsoft are concerned, you can wave goodbye to playing used games on their systems. Although these are simply rumors at this point, it wouldn't be surprising if they came to fruition. It's very plausible, especially when taking into consideration that a few game publishers have already fired shots at the used game market. Most notable is Electronic Arts(EA), who grew to be the first publisher to institute the practice of charging gamers, who bought used games, a charge to access codes that come with the game. To elaborate, Downloadable Content(DLC) codes are included with new copies of a certain game and only with those codes, can that content be accessed. EA expanded its project to provide playing used games online. Gamers would now have to pay $10, in addition to the cost of the used game they will purchased, in order to have access to the online components of their game. Ubisoft has since followed suit, requiring an internet pass for its games as well. You can identify the games which require an online pass as they uncovered the, "Uplay Passport", logo on the box. Ubisoft decided they'd take things a step further and additionally implement Digital Rights Management, a practice more often associated with DVD or CD anti-piracy efforts. Assassins Creed 2 was the first game to be effected by this practice. In order to play the PC version with Assassins Creed 2, gamers are required to create an account with Ubisoft and remain logged into that bank account in order to play the game. This means that if you lose your internet connection, the game will automatically pause and try to improve the connection. However , if you're unfortunate enough to be unable to reconnect to the internet you'll have to continue from your last rescued game; losing any progress you may have made since then. This will be the case for all of Ubisoft's PC titles, irrespective of one playing single-player or multi-player. While Digital Rights Management has been used to combat DVD and DVD piracy for quite some time now, this will mark the first time it's been used for a video game. In light of Ubisoft's guidelines of DRM, Matthew Humphries of Geek. com, cautions that it's feasible that eventually even console activities will require online registration in order to play them. So what's the reason for all of this? According to According to Denis Dyack, the top of Silicon Knights, the sale of used games is cannibalizing the profit of the primary performance market. He also claims that the used game market is somehow causing the price of new games to go up. His proposed solution is to move away from physical disks and embrace digital distribution. Essentially he'd wish to see services like Steam or EA's Origin replace traditional hard copies. There are even rumors that X-Box 720 will embrace the exclusive use of digital downloads and not use disks at all. Whether Ms will actually follow through with that plan remains to be seen. One could argue that Sony has already laid the bottom work for preventing used games from functioning on their future system. At the very least, they've already made quite hard work to make used games significantly less desirable. Kath Brice, of Gamesindustry. biz, reported that the latest SOCOM sport for PSP, SOCOM: U. S. Navy SEALs Fireteam Bravo 3, will require customers who purchase a made use of copy to pay an addition $20 dollars to receive a code for online play. I'd like to see a few quantifiable evidence to support the claim that used games are in fact hurting the sales of new games in any respect. Without some actual facts, it sounds to me like a whole lot to do about nothing. Case in point, within day Modern Warfare 3 sold 6. 5 million copies, grossing $400 million dollars in sales. Proper me if I'm wrong but you haven't heard Infinity Ward complaining about the used game market therefore affecting their bottom line. That's likely because they're too busy counting their money earned by constructing games that people actually want to play. Imagine that. Maybe the problem isn't that used games have a negative impact on that sale of new games but, the problem is instead that game developers need to make better games that people are willing to pay full price for. In my opinion, not every game is worth $60 simply because it's the suggested retail price. Considering things objectively, not every game is created equally, therefore not every game is worthy of costing $60. Whether it's since that particular game failed to meet expectations and live up to the hype or because it lacks any sort of replay benefits. It's ludicrous to argue that gamers should pay top dollar for every game especially when they all too often end up horrible disappointments, like Ninja Gadian 3, or they're riddled with glitches like Skyrim. I know that the War on Used Games is nothing more than a money grab by developers, upset that they're helpless to cash in on a very lucrative market. To put it in dollars and cents, in 2009 GameStop reported nearly $2. 5 million dollars in revenue from the sale of used consoles and used games. And not an individual red cent of that profit reaches the pockets of game publishers. Greed as the motivating factor for any declaration of War on Used Games is transparent. Especially when you consider that when GameStop began separating ones own revenue from new games and used games in their financial statements, EA thereafter instituted their $10 dollar fee for used games. In the absence of empirical evidence, I'll have to settle for anecdotal. I'll employ myself as an example. I'm planning to purchase a used copy of Ninja Gaidan 2 . I've never been a giant fan of the series. I didn't play the first one because I didn't have an Xbox and when it was an Xbox exclusive. And I never played the original version. Needless to say, I was never clamoring to play Ninja Gaidan 2 . However the innovation in the second incarnation of the game, which allows you to disembowel your enemies, is enough of a novelty that I'd like to play through it at some point. I can buy it today, used, for about 10 dollars. If it was only being sold at full price I would more than likely pass on playing the idea altogether or maybe rent it. My point is that game developers are not losing money because of used video game titles; you can't miss money you weren't going to receive anyway. They're simply not getting money they weren't visiting get to begin with. Unless you have a significant amount of disposable income and a considerable amount of free time, you're probably enjoy me and you prioritize which games you plan to purchase and how much you're willing to pay for them. You decide which often games are must haves and which games you'd like to play but are willing to wait for a price drop in advance of getting them. Then there are the games which you're interested in, but they tend to fall through the cracks because they really are not all that high on your radar and you'll maybe pick them up several months later, or even years when their release, if you ever pick them up at all. I find it ironic that the looming death of the applied game market could likely spell the demise of GameStop who, ironically, push their customers to help pre-order new games and purchase them at full price. One would think that game publishers would be appreciative about this product and not detest GameStop and treat used games with such scorn. Pre-orders not only help promote your games but they function as a forecast of potential sales as well. Even Dave Thier, a contributor with regard to Forbes Online, who describes GameStop as, "a parasitic bloodsucker that doesn't do much besides mark in place discs and sit in the mall", recognizes the folly of passing the burden of the used game sector onto the consumer. I've only once pre-ordered a game myself. At the behest of J. Agamemnon, I pre-ordered Battlefield 3, which is ironically a property of EA. I paid full price for this game and was happy to do it. In large part because I was granted access to several weapons and maps that I would have must wait to download had I not pre-ordered it. I propose that instead of punishing gamers for hoping save their hard earned cash, the gaming industry needs to learn to incentivize gamers into wanting to pony up to that will $60 dollar price tag. I titled this article The War on Used Games in an effort to be tongue-in-cheek in addition to poke fun at how whenever the government declares war on drugs or terror or whatever it usually is, they only succeed in exacerbating the problem. It should come as no surprise seeing as how the government tends to take probably the most asinine approach possible trying to "solve" problems. The end result is always the same; precious time and resources are wasted, along with the issue is that much worse than it was before they intervened. If the gaming industry does indeed drop this path; they'll only hurt themselves in the long run, fail to share in the revenue they so greedily covet and worst of all, hurt their customers, who keep the gaming industry abreast with currency. It's very ironic and actually very fitting that it's EA who are spearheading the effort to attack the used game market right after they themselves are one of the largest beneficiaries of used games. Chipsworld MD Don McCabe, told GamesIndustry. biz that EA has what he referred to as a "franchise software house" in that they "upgrade their labels; FIFA, Madden; all of these are effectively the same title upgraded each year. And people trade in last year's for this purpose year's. " He went onto say that those titles are the ones which are most often traded with. Shutting down the used games market effectively destroys a tried and true method in which fans of EA's franchises keep up-to-date with each of EA's annual releases. Aside from nostalgia, what would be the point of keeping FIFA 11, when FIFA 12 is right around the corner? Don McCabe, an executive at Chipsworld, teaches that, "consumers won't prosper under this new system, as copies of the game will lose their reselling value". He goes on to say that retailers will "just readjust [the price] bearing in mind you must buy the voucher. " The CEO of SwapGame cautions that "customers who trade in for cash and credit do so to acquire new games they could otherwise not afford. " This means that ultimately it will be the founder who ends up losing money because when retailers adjust their prices to reflect the increase in charge for used games, the resale value of the game will drop and new games are not as likely to be purchased.

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levitesandco · 4 years

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***** Welcome to Day 1 of 15 where we showcase the benefits of Financial Planning for The Small Business. We hope you enjoy and receive much value from this series. *****

#WeAreInThisTogether #UnitedWeStand #LevitesandCo #Bookkeeping #FP&A #FinancialPlanningandAnalysis #NavigateTheNewNormal #SmallBusiness #DetroitSmallBusiness #DetroitStrong

How much will opening your business cost you? Once your business opens, how much cash income will you need to stay open? The second? Five years down the road? These are the foundational questions business – regardless of size – determines before beginning a new venture. One of the benefits of financial planning before you launch is that you get a clear view of what the risks and prospects are. If the financial risks are too high, you'll have to go back and revise your plans before taking the plunge.

Financial Planning begins with estimating how much your expenses will cost. This process needs to be repeated each time a new business service or product launched. Some of the monthly and one-time expenses you will likely have are a brick and mortar location, purchases of equipment and supplies, leasing or purchase of communication devices, utilities, licenses and permits, business insurance, lawyer and accountants, inventory, employee salaries, advertising/marketing and market research. Once you have your list of expenses, you can estimate how much they’ll actually cost. This process will be different for each expense you have. Some expenses will have well-defined costs — permits and licenses tend to have clear, published costs. You can search job websites like ‪Indeed.com‬, ‪Glassdoor.com‬ and others locally to estimate employee salaries and ‪Realtor.com‬ and ‪Trulia.com‬ to estimate the going rate for your ideal brick and mortar location. Look online and talk directly to mentors, vendors, and service providers to see what similar companies pay for expenses.

Next, add up your expenses for a full financial picture. Once you’ve identified your business expenses and how much they’ll cost, you should organize your expenses into one-time expenses and monthly expenses, ie one-time expenses are the initial costs needed to start the business. Major equipment purchases, hiring a logo designer, and paying for permits, licenses, and fees are generally considered to be one-time expenses. You can typically deduct one-time expenses for tax purposes (a capital expenditure), which can save you money on the amount of taxes you’ll owe. Make sure to keep track of your expenses and talk to your accountant when it’s time to file your taxes. Monthly expenses typically include things like salaries, rent, and utility bills. You’ll want to count at least one year of monthly expenses, but counting five years is ideal. Add up your one-time and monthly expenses to get a good picture of how much capital you’ll need and when you’ll need it. Once completed you now have a general idea how much income you will need to stay open.

Finally, projecting Business Revenue should be approached ever so conservatively and with thorough research. By estimating how many purchases per customer per month on average can we plausibly service, we can forecast daily, weekly, monthly and even annual gross revenue at any given time.

For example, if you are opening a gas station on a main intersection with the nearest competing gas station 1.5 miles away, in a suburban community of medium density, you might expect purchases per customer per month of 2 times. Based on these projections, if gas is X and the total amount of customers is Y, you monthly revenue projections would be 2XY.

If your business can survive and grow from these figures, all should be a go. If your figures are not possible, look at your expenses and estimated revenues and start again. Can you reduce or eliminate any of your perating expenses? How about securing a different location? Can you begin your business on line? Is partnering or collaborating an option? Should you wait another six months? A year? Be honest with yourself, determine what are true needs and what are not and move forward.

Funding your business is one of the first — and most important — financial choices most business owners make. How you choose to fund your business could affect how you structure and run your business. Determine how much funding you'll need, as every business has different needs, and no financial solution is one size fits all, your personal financial situation and vision for your business will shape the financial future of you business.

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evanvanness · 5 years

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Week in Ethereum News, Dec 15, 2019 annotated edition

Full Week in Ethereum News for Dec 15. This is the annotated edition:

Eth1

Latest core devs call. Notes. Lots of EIP1559 (fee market change) discussion now that it has been implemented. Decided to go forward with EIP2384 for Muir Glacier, anyone can propose changes afterwards. Also lots of talk about 1962 precompile calls.

Update your clients for the Muir Glacier fork in early January. Geth, Nethermind, Besu all are ready. Parity, Aleth are coming.

Piper Merriam on the 4 steps to an eth1 stateless client network

Background on eth1 very long-term sustainability problems and options

Annotations: EIP1559 is a big deal. It locks ETH in as part of the protocol and eliminates the possibility of economic abstraction [economic abstraction was heavily discussed in 2016 and if I recall correctly was pushed by Gavin] which would destroy ETH’s value. If ETH had no value, then the amount of things that Ethereum can do drops by magnitudes. We’ll have EIP1559 in eth2, and we may be getting it sooner rather than later in eth1. While I have some reservations (ie, really cheap transactions will go away), on balance it is a good idea.

The Muir Glacier fork is also coming. I’ve noticed quite a bit of pushback in the community about how the difficulty increase (sometimes called the “Ice Age” or “The Bomb”) is being pushed back 4 years with no reduction in issuance. Personally I think we are overpaying for security, but any issuance reduction should be mild (in fact, I had a proposal to do so in exchange for progpow and funding public goods!) and based on sound analysis, not “yeah, it’s December (which tends to be a bad month in capital markets) and the price is down so....wah.” 4 years is also too long in my opinion, but the conspiracy theorists seem to forget that the actual pull request came from Eric Conner, known as one of the main proponents of #ETHismoney, among other things. They should do their own pull request if they want a different parameter.

Meanwhile, Piper’s post on what is engineering and what is research on the way to an eth1 network of stateless clients is definitely a mustread. The idea of keeping eth1 around for years is a worthy insurance policy in case there any implementation hiccups in phase 2, though I don’t anticipate we will need to keep eth1 around so long.

Eth2

Lighthouse public testnet, v0.1, the “first with a mainnet configuration”

phase 0 spec v0.9.3

Notes from the last light client call

Undertanding eth2 staking deposits

Aditya Asgaonkar explores cross shard communication

Editorial note: ignore any fake news about launch date changing.

Annotations: The launch date isn’t changing, despite Justin’s love for crypto launch anniversaries. It’s still scheduled for q1, though I don’t expect it until late in q1. Of course, this is a software deadline and we’re still 3.5 months out, so it could slip, but I remain optimistic.

Lighthouse, among others, has done an amazing amount of work, and they launched their Rust client this week. I haven’t run it yet,

Meanwhile, Jim Mcdonald is doing a centralized Eth2 staking service and has had some good content marketing lately - this one on understanding the deposits, as well as the recent one on understanding effective balance. Others should up their game!

Layer2

Celer light client SDK, runs in the browser

Annotations: Celer continues to work. Otherwise a layer2 light week, obviously.

Stuff for developers

Solidity v0.5.14, defaults to Istanbul, SMT/ewasm updates

Remix IDE v0.9.2

Ethcode v0.8, now supports Vyper. available in VScode

Deep dive into eip1167 minimal proxy contract

0age: the more minimal proxy

Automated deploy to ENS and IPFS

Steve Marx: destroying the indestructible registry

Blocknative’s onboard.js to easily support many wallets

Runtime Verification: K vs Coq as language verification frameworks

Annotations: Interesting to see the posts written about minimal proxy contracts lately. Not sure what has prompted that. I probably should have noted in this section that the Remix update included a Quorum plugin, though I noted that below.

Ecosystem

Can Ethereum rollups beat Visa’s 2000 transactions per second? Iden3’s analysis of post-Istanbul Ethereum throughput limits with rollup.

How Infura manages nodes with VIPnode

Parity’s update on grant progress: 75% of grant paid based on milestones

Networking: Waku spec v0.2 and Whiteblock’s no tag back gossiping

Annotations: You like how I faked you out with Betteridge’s Law of Headlines? (Betteridge’s Law: the answer to any question in a title is no.) But the answer is yes. Rollup chains aren’t live yet, but they will be in 2020. And they’re a sort of half layer 1, half layer 2 arrangement, though I often put them in layer 2 in the newsletter. That’s because data goes onchain (ie, on eth1, ie on layer 1) but there’s a rollup chain that does all the transaction execution off chain. ZK rollups provide validity proofs that the transactions are correct. Optimistic rollup provides crypto economic validity that the transactions are correct - that is, if anyone submits an improper transaction, you slash their bond and take their money for cheating.

Parity’s update was apparently the shot before today’s post saying that they’re quitting Ethereum. Disappointing but not surprising, that they are going to work on their in-house Polkadot product instead. If we’re being honest: their client has been in mainenance mode already.

Networking: I'm excited to see Dean and Oskar do great work making Whisper into more than something that is barely a proof of concept, so this should be a good thing for Ethereum.

Enterprise

Nike files a patent application for tokenized shoes on Ethereum and breeding them, a la Cryptokitties

BancoSantander repurchased and cancelled the bond mainnet, of September 10th, 2019 issuance date. “This unequivocally proves that a debt security can be managed through its full lifecycle on a blockchain”

“Seize the day: public blockchain is on the horizon” Forrester/EY enterprise survey says 75% will use public chains (read: Ethereum) in the future

Paul Brody op-ed: If you build a blockchain, will anyone come? “Public blockchains like Ethereum offer a better choice for enterprise users”

Quorum plugin for Remix

Hyperledger Besu v1.3.7 – critical fix for mainnet users, muir glacier compatible

Annotations: Enterprise sure looks like an Ethereum moat, doesn’t it? As I tweeted out today, EY’s Paul Brody said on Reddit something I 100% agree with. “there is much more headroom in 1.x than most people think. I just gave an internal talk this morning about how so many people misunderstand scalability and that most of that talk about Eth is just fear mongering by the private blockchain crowd.”

Nike’s patent application is written to be purposely ambiguous as to whether it is blockchain agnostic (it’s a patent application, the whole point is to reserve the right to sue someone!) but also leaves little doubt that it’s on Ethereum right now.

And of course, BancoSantander continues to drive mainnet use forward. Innovators in this space for years now.

Governance and standards

Extending MolochDAO’s features: TheLAO, Moloch and MetaCartel to standardize for venture-style investments and accommodation of security token standard

Maker’s governance security module puts a 24 hour delay on all governance decisions. This was in response to Micah Zoltu’s “how to turn 20m into 340m in 15 seconds.” The 0 delay was explicitly a tradeoff as MCD launched to ensure that Maker could respond nimbly to any problems.

Vocdoni: an app for anonymous, onchain voting

Annotations: Keep an eye on Vocdoni. It’s built by Catalans, and while they haven’t talked about it much, it seems clear they’re building tools that they wish to use in their own quest for the right to self-determination.

It’ll be interesting to see if the governance security module passes or not. At the moment, it has not, because after Micah’s article, a bunch of people voted their MKR in favor of the status quo (to up the amount needed to execute Micah’s attack). I imagine it will, but I believe there are many within the ranks of Maker holders who believe that the 0 delay is still a good idea.

Application layer

Sablier is live on mainnet, continuous streaming money

Synthetix inflation changed to exponential decay in the inflation rate with a 2.5% terminal rate

Set Protocol integrates Compound’s cTokens so sets earn interest

RealT’s first property sells out

Undercollateralized lending as next DeFi trend?

Kong.cash releases their whitepaper. As seen at Devcon, Kong is physical crypto cash

Annotations: Sablier is such an interesting primitive. Stream money by the second to someone. Imagine paying your rent or payroll or salary that way.

Synthetix keeps moving, you have to admire their pace of execution. They seem to be considering adding ETH as collateral in their system, which makes it much more interesting to me - though all crypto is pretty correlated these days.

Kong is super cool. I am definitely keeping a hold of my KONG from devcon. Just be careful not to fold it, as I hear that can break the circuits.

Set keeps shipping interesting stuff. Love the idea of a trading Strat that either holds ETH or puts it into cDAI/cUSD. And undercollateralized lending seems like something that will happen, whether it be Union or Trustlines or one of the other ideas. I’m also quite pumped about RealT, it just sucks that they can’t offer it more seamlessly. If they could, I think the demand would be high.

Tokens / Business / Regulation

SEC charges fraudulent ICO

Saga goes live on mainnet with an algorithmic version of the IMF’s SDR

ING is planning to get into crypto custody

ConsenSys Activate’s standards for token launches

Annotations: Nobel winner Myron Scholes advises Saga. That’s just such a clickbait title that I refuse to use it. I’m also quite skeptical that anyone wants SDRs. I got much more bullish when they switched from SDRs to USD.

ING getting into crypto custody. Fidelity made some noise about supporting ETH too. Even in cryptowinter, this stuff looks like it is here to stay.

General

Speeding up verification of groth16 batches

Simple explanation of circuits and zero knowledge proofs

A comprehensive primer on recursive SNARKs

“design a circuit construction protocol (such as used in TOR) that is 1) non-interactive, 2) immediate forward-secret, and 3) requires only O(n) message exchanges”

Filecoin launches testnet

Using reinforcement learning to model selfish mining incentives

Will quantum supremacy affect blockchain?

Annotations: Filecoin launches a Testnet. Oddly, I have yet to hear from anyone who has tried it.

Lots of crypto stuff. I’m not a cryptographer, so I sometimes feel a bit lost and should probably spend more time in the crypto books. I like the explanations, it’s great to see that blockchains have really given zero knowledge in particular a boost. ZK stuff is the future of this industry.

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backtothegypsy-blog1 · 8 years

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Chapter 1: The Choice is Made

Well.... Here I am, sitting in the shade, yet still sweating my figurative balls off at my lovely hostel in Moshi, Tanzania, reflecting on our journey here, which started 2 days ago, but really months ago as these things typically do. So, reaching back and considering how this came about, how I'm sitting here, wasn't born of a daydreaming revelation after our previous adventure, as my travel plans typically do. Coming home from our last adventure, remember that grand Patagonia region - if not then I got some recommended reading for you with my other blog: The Grand Patagonia Adventure (hint hint, nudge nudge). I was still so caught up in the high of that trip, didn't want to let it go, holding onto the memories tight in my brain, reliving it over and over again. Man that was an amazing time, the mountains, the hiking, the camping spots, oh Consuela how I miss you dearly... Oh shit I've gotten off track, breath, you're in Africa, focus (this heat might be messing with my head). Anywho, once I could come back to reality, I honestly thought I would be returning to a Latin American country, or possibly several, for our next tour. I love South America and knew there was so much more to discover there and had all intentions of improving my Spanish, heading back down, maybe not as far, maybe do a circuit of Central America, there began talk of Panama, Guatemala, Belize... you get the idea. However, when it came time to decide when we would be able to go, for how long we would be able to take off this year and so on.. We decided that January would be the only realistic time, and 4 weeks is what our circumstances would allow. This brought another significant detail into the picture. January is my birth month, not only that, but I would be celebrating turning the ripe old age of 30! My goodness, I'm going to be a full fledged adult, when did that happen? Now if you know me, you know that I take birthdays very seriously and think that Milestones should also be celebrated with style, basically anything of note is cause for some kind of celebration in my world! But this is a big one. So this trip and the day of my 30th birthday obviously had to be epic.... If I wasn't going to be dressed in a costume and dancing around the streets of Halifax, then what was I going to be doing, and more importantly, where? Whatever I was doing had to be monumental! So then it began, what epic way did I want to spend my 30th? Well out came the bucket list journal to see what younger Shauna had to say about that (she was good for some things I swear). So much of my bucket list involves hikes, long ones, short ones, steep ones, flat ones, red ones, blue ones... Oh dear... There came a full bout of mountain fever. A mountain, of course a mountain, what else could I possibly do but climb a mountain? I mean I'm turning 30... Why not officially embrace over the hill status by going over a really freakin' big hill? Alright well, which one? It's gonna be winter, so somewhere warm would be nice, probably shouldn't choose a mountain in the north where I'll be trekking through knee deep snow for a week to reach (though that would still probably be a good time). Did some research of mountains to climb in Central America, there are volcanos mostly, all of which are basically day hikes, and none grabbed me with the epic factor I was looking for... I needed something bigger, longer, monumental! Near the top of that bucket list was of course Mount Kilimanjaro. I stared at my notes on this one, it had everything I was looking for in an epic birthday trek, Tanzania of course would be warm (as I, sure it is all year round) and beautiful (it's freakin Africa) and have amazing animals so see as well (the Serengeti anyone?) I quickly googled best hikes for January and Mount Kilimanjaro popped up on top of every list I could find, apparently it was the best time to climb, best weather, clearly the universe was trying to tell me something.... So naturally my heart was instantly swollen with that familiar yearning for this to be it, this to be my birthday Mecca. Once I get an idea in my head, a trip in my heart, a grand desire for the perfect adventure, it is very hard for me to settle for another path (impossible really... I'm kind of insane, but in a good way, yes? Hmm). In this moment I felt light as a feather, giddy... You know that feeling of new found love with a person, on like your 10th proper date when your like, wow I can tolerate this person, I want to actually spend more time with them? Well that is what I get when I fall in love with a travel experience, only probably x 10. Come hell or high water I will have it... Wanderlust like fire through my veins, mountain fever making my head swim, jaw aching from the large grin I can wipe off, god damn I love the tortured bliss. As I peruse my notes, I come across my only real challenge, the word I had written in bold and underlined 3 times: EXPENSIVE! It ain't cheap to climb Kili folks, it ain't cheap at all. So what you need to understand about this as opposed to many other climbs and treks, is that there is a ton of regulations/rules/government fees involved with climbing Kili that make it so expensive to do. All prices are shown in US dollars when you do the research, so I'll be a lovely little peach and convert it for my Canadian readers. Let me break it down for you: A 6 day trek (standard) Rescue fee: $26 Conservation fee: ($92 x 6 days) = $552 Camping fee: ($66 x 5 nights) = $330 Porter/Guide entrance fees: $17 each Porter wages: $13.15 x 4 = $53 x 6 days = $318 Assistant guide/cook wages: $20 x 6 days = $120 Guide: $26 x 6 days = $156 Food for 1 person plus crew = approximately $290 Transport: approximately $84 Add all that together and you gettttttt...... $1978 This doesn't include any gear you may need to rent, like a sleep bag or warm jacket. Also you are required to tip your porters and guides so that they can have a decent living wage. You see... It ain't cheap. Now this is obviously negotiated, you can certainly get it for less, this on the high end of the scale for a non luxury company, however you must do so with a bit of caution. The fees are set in stone, which are government regulated and you have to pay, no ifs, ands or buts. You also have no say in the amount of porters you have, the amount they are allowed to carry is regulated by weight, and they actually weigh every bag at the gate to ensure it is so (generally 4 per person, but could be 1 less if you're in a group since certain equipment is shared). You are also only allowed to carry a certain amount yourself, which is significantly less, basically a small day pack. So when it comes to getting a cheaper rate, that means the tour company may have to skimp on certain safety items, equipment, food, or the guides and porters wages (which obviously is a dick move since they don't make much per day for the hard work that it is). Either way, it still ain't cheap. Being the mostly seasonal worker that I am, and avid travel junkie, I had as usual been putting away money for whatever trip I would be going on this winter, and usually by now it's at a pretty decent amount, generally more then I think I will need, so the money existed. However, the real challenge here isn't necessarily the money, it's convincing my boyfriend that we are spending this amount of money on a trip. Now, it's not like Sean is a dream killer or doesn't have the same desire for travel and trekking that I do, but, as most of you know, we had just completed a long not so cheap trip on our last adventure, Consuela took almost as much from our pockets as our hearts, and living the van life in Patagonia isn't the cheapest region of the world to do so. One of the reasons for our thoughts on hitting Central America next was so our dollars could stretch a bit further then they had in Chile and Argentina, then maybe we could consider something a bit more costly for our next trip. So what I will be presenting to Sean is obviously the opposite of that. EXPENSIVE. Why did I have to write that so boldly? So I presented the idea to Sean, and got the response I was expecting, "I thought we were going to do a cheaper trip this year? We aren't rich dear, didn't we just do a trip of a lifetime?" But at no point did an absolute no escape his lips, so I knew, I could wear him down, I could grind on about how wonderful it would be and how it would be a dream trip and oh yeah remember it's my 30th freakin birthday?! Though he kept shaking his head at his silly pipe dream little girlfriend, telling me I'm nuts, saying we will discuss it more when he gets back from sailing, taunting me with indecision... Sure enough, on a glorious day in November, he passes me a piece of paper that it takes me a moment to realize is... His approved leave pass for Tanzania! That shithead had just been teasing me and grinding gears right back at me all this time, though I knew that he would come around to the proper way of thinking, how could he not, how could he deny me? And besides, I already bought the guidebook. So here we are, ready to fork over a small fortune to this delightful and hot country so that we can drink in it's beauty, OD on adventure and meet some enormous kitties (which you get to cuddle right?). Here, sitting in a pool of my own sweat, I look around breath deep and I already know, it's totally worth it.

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expatsecuador · 4 years

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The True Cost of Living in Cuenca, Ecuador

The cost of living in Cuenca, or Ecuador in general, is often cited as one of the core reasons why expats move here.

It was a consideration for Michelle and me too. In particular, the cost of schools in Cuenca is approx half of that in Quito. So, we decided to move from Quito to Cuenca when the youngest was entering school partly to help cut down on living costs. We both work remotely, so the lower wages in Cuenca were not an issue for us.

I’ve tried to be as transparent as possible with our costs of living to give you an idea of total living costs in Cuenca, Ecuador.

These costs are itemized into our monthly budget below:

Category Item Cost (Monthly) Home Rent $800 Home Internet (25Mb Up/Down) $30 Home Water

$10 Home Electricity $20 Home Security $22 Home Home phone $6 Home Gas $3 Home Maid (4 x monthly) $80 Home Gardener (1 x monthly) $30 Home Mobile Phone (x2) $20 Food Fruit & Vegetables (Mercados) $85 Food Groceries (SuperMaxi) $220 Health Heatlh Insurance $170 Car Gasoline (Small Car) $30 Car Car Maintanence $100 Kids School Fees (2 kids) $500 Kids Horse riding (2 kids) $100 Discretionary Cafes & Restaurants $150 Discretionary Yoga (2 adults) $60 Discretionary Clothes $100 Discretionary Streaming (Netflix & Spotify) $15 Total Monthly $2,552

We live a simple, middle-class life in Ecuador. We are fortunate to always have enough food on our table, a small car, rent a large house and have some help from a maid and gardener.

You can find some reports of expats living on less than $1,000 per month and this is certainly possible if you live a simple, frugal lifestyle away from the major cities of Quito, Guayaquil and Cuenca.

You can also get a good basic feel for cost of living in Cuenca from sites like Numbeo where you can compare your current city with Cuenca (or other Ecuadorian cities). I like the granularity of Numbeo as it allows you to pry directly into the cost of basics like milk, bread and beer. Given Ecuador also uses the USD, if you’re comparing costs from the US, then it’s a very straight forward exercise.

Cuenca Home Costs

These form the most substantial component of our budget. We also have a considerable amount of discretionary spending here, so you can certainly cut down on a few of these things to cut costs.

Rent – $800/month

We rent a large house on the outskirts of Cuenca in the Challuabumba neighborhood. It’s a 15 min drive to Cuenca on the Autopista (main highway). We chose here because it’s a little warmer than Cuenca itself, close to our school of choice, and we can get a much bigger house (and yard) than we could get in Cuenca. We like the privacy available to us and there are enough local shops, including a supermarket, that we really don’t need to visit Cuenca if we don’t want to.

The biggest downside of living 15 mins away from Cuenca is that we found it necessary to purchase a car (and get an Ecuadorian driver’s licence). There are buses and taxis, but we found them too time-consuming and limiting. We also like to explore close by towns, villages and mountains on the weekends which is easier with a car.

Our house is a 2 level, 4 bedroom house with a large rear yard and good sized front yard. The previous tenant was an expat that clearly poured a lot of love into the garden, attracting many hummingbirds. We were the first to see the house as it was coming onto the rental market and we immediately said, “yes, we’ll take it!”

Our current landlords are amazing – which has really made a big difference to the overall enjoyment of the space. Everything gets fixed, even some improvements made. Our previous landlord was an absolute nightmare who never fixed anything, so we’re super grateful to have wonderful landords now.

A similar house in Cuenca itself would rent for $1K+, so we’re happy with the price we’re paying for the location.

You can find 4 bedroom homes for less than $800 per month, but you probably won’t get your entire wish list. A properly maintained and welcoming garden was important to us, so we were willing to pay a bit extra for this.

Some expats do purchase homes instead of renting. If you’re on the fence, check out our article on renting vs buying in Ecuador.

Internet – $31/month

You’ll likely have different internet options depending on where you live in Cuenca. Our experience is the speed you can get will largely depend on the port availability at the distribution hub. Ie There may not be any more fibre optic ports available at the closest hub, so you’ll need to choose a different plan, provider, wait until a port becomes available, or beg your internet technician to find an available port.

We pay $30.90 each month for a 25Mb down/ 5MB up plan from Etapa. Etapa is basically the default option as they are government-controlled and are also responsible for the infrastructure.

Other popular options in Cuenca include Puntonet (Celerity – fibre optic) and Netlife.

Take note of the contract terms. Many plans are 2-3 years, with penalties for leaving early. Our plan from Etapa allows us to take the connection with us if we move (within their Cuenca service region). But if not, then we’ll need to pay for the installation costs ($55) that we waived at the start of the contract. Some companies have higher termination costs such as paying out the rest of the plan + exit fee.

Water – $10/month

Water is cheap in Ecuador. The water in Cuenca is noted as having some of the best water quality in the world due, so you shouldn’t feel the need to get in bottled water or pay anything extra.

With 2 adults and 2 kids, we’re constantly using the shower and washing clothes. We consider $10/month for water to be a very good deal.

Electricity – $20/month

Our house has a lot of lights and we generally have at least 1 (normally 2) screens on during the day. We weren’t given a choice with the electricity provider.

The biggest issue I’ve found with electricity providers in Ecuador is they are ruthless when it comes to turning the power off for non-payment. If you are a day late, someone may come to your house & ask what is going on and request payment. Or, they may just cut off your power without warning.

Our power has been cut off in Cuenca and we’ve needed to go to the Electricity company to have it switched back on (the following working day).

Security – $22/month

This is largely for peace of mind. This covers the cost of the electric fence, alarm and monitoring from the security company. The company is generally very quick to respond to any alarm.

It pays to shop around for a security company. I’d definitely recommend asking your neighbors for their experience with their providers as a starting point.

The other form of security comes from our neighbors. We live in a welcoming community where every house belongs to the WhatsApp group created for discussing any practical issues like security.

As an example, last night our next-door neighbors’ alarm went off. They were out of town, so I got up to check it out and their security company was already there and talking to another neighbor. Our next-door neighbor was thankful to have all of their neighbors and the security company watching their back whilst they weren’t there. Other neighbors have done the exact same for us.

Home phone – $6/month

I’ll be honest, I don’t know why we have a home phone as we always use our mobile phones for calling locally or Skype for international calls.

Okay, I’ve just asked Michelle and we have the home phone only for the security system as it uses our landline to communicate with the alarm company.

Gas (Propane) – $3/month

Gas is ridiculously cheap in Ecuador. The price varies a little by city, but expect to pay around $3 per bottle delivered to your home. And, expect to be annoyed by the constant passing of gas trucks through your neighborhood, complete with speakers blaring a ‘gas truck’ song so you don’t miss them.

We generally only go through 1 (maybe 2) gas tanks each month. This powers our hot water, oven and even our clothes dryer. We don’t use a space heater.

You’ll need to pay for at least one, we recommend an additional as a spare, propane tank for about $45. The condition isn’t super important, just make sure it isn’t too rusty… Then you can participate in the home deliveries where they just swap tanks. Quick, easy and cheap. You should be able to sell the tank for a similar price ($45) upon leaving.

Maid (4 x monthly) – $80/month

Depending on how busy we are, we alternate between having a full-time maid/nanny and just having her come in 1 day per week for the ‘deeper’ cleans.

We’ve found it hard to find a quality, affordable nanny that is still happy to do a fair amount of cleaning. You may need to trial a few until you get a feel for their enthusiasm for the work offered.

If you’re providing any sort of on-going work, you may also be required to register this with IESS and also be aware of the full range of pay entitlements. This includes paying into the IESS system and the two additional monthly salaries each year (ie 13th & 14th months).

We also provide lunches and coffee for any worker in our house. I believe this is a fairly standard custom. Even if the worker has their lunch, the gesture has always been appreciated and it’s a nice way to get to know the workers a little more.

Gardener (1 x monthly) – $30/month

Whilst we enjoy doing a lot of gardening ourselves, we also pay for a gardener to come once a month to do the stuff we aren’t equipped for. In particular, we don’t have a lawn mower, edge trimmer or a decent hedge trimmer.

The amount we pay is for 2 gardeners for the entire day. They are very efficient and knowledgable. Their knowledge of how to grow certain things or control bugs has also been very valuable to us.

Again, on top of their payment, we also provide lunch and coffee.

Mobile Phone (x2) – $20/month

Michelle and I both use mobile phones.

I’ve just switched to Tuenti (a challenger low-cost brand) and pay $5 for 2GB data, 30 mins of calls & free Whatsapp. This plan lasts for 30 days. The biggest downside for me is that they use the Movistar network, which isn’t so great where we live (Claro has much better service).

I use a cheap Android phone which is not included in the pre-paid plan from Tuenti.

Michelle is on a $15 pre-paid plan from Claro that provides 15GB data, 200mins of calls & free Whatsapp. This also lasts one month. Michelle needs a better, more reliable plan than me as she uses her mobile a lot for work.

Michelle has also purchased her phone outright. Electronics like phones and computers can be expensive in Ecuador, so we recommend bringing these electronics with you.

The two main networks in Ecuador are Movistar and Claro. My experience is that Claro generally provides better coverage, but they are also difficult to deal with. Ie You can no longer just turn up at their service center to receive help, but need to make an appointment using their not-so-great app.

Getting out of post-paid plans without a significant exit fee has proven to be difficult for us. So, we’ve vowed to stick to pre-paid as we’re a little sick of being the games played by telco companies in Ecuador.

Home Subtotal – $1022/month

We find this a very reasonable cost for our lifestyle. However, there are some discretionary costs that can be minimized if we needed to. Take out the maid, gardener, security and home phone and you’ve cut down expenses by $138. Rent a slightly cheaper home or apartment at $600/month and you’ve saved another $200.

Combine both savings and we’d take our monthly home costs down to $684.

Cuenca monthly food costs

The main food choice you’re going to make in Cuenca is how much food you’ll buy at the local markets (mercados) vs the supermarkets such as Supermaxi. The more you can shift your purchases towards the mercados, the cheaper it will be.

Fruit and vegetables (mercados) – $85/month

Ecuador has cheap and plentiful fruit and vegetables. Our family of 4 finds it difficult to spend more than $20 on fruits and vegetables each week. And we mostly eat a plant-based diet. Check out this article for the types and costs of fruits and vegetables in Ecuador.

We are always sure to have a steady supply of starchy staples such as potatoes, green plantains (for bolones de verde) and choclos (corn). These form the basis of 3-4 meals each week.

We’ve included our coffee costs in the fruit and vegetable section as we generally buy these at the same time. We pay $4 per pound of quality roasted coffee beans. You can have them ground for the same price.

If you’re not aware, Ecuador has some very good quality coffee. But, coffee culture as we know it with fancy coffee roasters, cafes and hipster baristas are still in their infancy.

Groceries (Supermaxi) – $220/month

Supermaxi is the biggest and most renowned supermarket chain in Ecuador. They have 4 locations in Cuenca that are well scattered throughout.

The big advantages Supermaxi have over the mercados are quality control and variety. If you’re after some creature comfort foods from back home, your best bet is going to be Supermaxi. Note – these comfort foods will also increase your food bill. A lot.

We generally buy all of our cleaning, toiletries, dairy, bread and meat from Supermaxi. We’re making a conscious effort to ween ourselves away from Supermaxi by baking our own bread and making our own yoghurt etc, but the convenience of Supermaxi can be hard to break free from!

Supermaxi tip: Flash your cedula to a store assistant and ask where you can apply for a loyalty card. Most locations allow you to sign up on the spot and issue you with a loyalty card. This will open up more specials and shave a few dollars off your grocery bill.

You can certainly decrease your grocery bill by buying meat and dairy from the mercados, and many do. But we don’t really eat much of either, so it would probably cut down our bill to $180 or so.

Food Subtotal – $305/month

Ecuador has an in-built price incentive to purchase fresh, unprocessed food. This is opposite to many developed countries where the balance is skewed more towards processed food.

If you’re aware of this and able to take advantage by switching your diet and cooking towards fresh, unprocessed food, then Ecuador is perfect for you.

If your diet consists of processed food, high-quality meat, or you just need to eat certain brands, then your food bill is going to be considerably higher.

Your meat requirements are also worthwhile considering as Ecuador does not have a good reputation for producing high quality, cheap meat. You can find different meats, but there is no government assistance for farmers, so meat prices might be higher (and of lower quality) than you’re used to.

Vegan basics are covered with plentiful fruits, vegetables and grains. There’s some organic markets in Cuenca too and the prices are not much more than the regular markets. Supermaxi stocks some vegan-friendly food such as tofu, cheese and fake meats. But, if you need to take it up a notch and buy specialty items like nutritional yeast, then you’ll need to find a store like Nectar, bring it with you, or have it muled in.

Cuenca Health Insurance Costs

You have the option of private or public health insurance in Ecuador. But, many temporary residency visas require private health insurance. We also think you’re better off with private health insurance until you’ve properly explored the public health system.

The public health system is a lot cheaper, but the level of care is not as high as the private system.

Health Insurance (2 x adults) – $170/month

Our private health insurance with Salud allows us to visit our preferred hospital in-network. The main health insurance variables are yearly plan limits, deductibles, co-pays and network coverage.

We haven’t done a lot of research into other health insurance providers, so it’s quite possible that we’ll change providers over the next 6 months.

It’s worth pointing out the cost of medical treatment is considerably lower than many expats are used to (especially if you’re US based). The cost to see a doctor or even a specialist in Cuenca is generally less than $50. So, some expats choose to self-insure for these smaller costs, but still have public IESS insurance to cover any major surgeries, etc.

Car Costs in Cuenca

The decision to buy a car in Cuenca is not one that should be taken lightly. It involves a commitment and they are expensive. But, getting an Ecuadorian driver’s licence is relatively easy once you know how.

Gasoline (small car) – $30/month

Gasoline in Cuenca, and Ecuador, is super cheap. But, gasoline prices in Ecuador are a hot topic as the strike in 2019 that resulted in nation-wide chaos was partly caused by the President removing a long-held subsidy on gas and diesel prices.

The President eventually backed down, but was able to slide in a decree in 2020 that removes the subsidy, but limits the effect of any price movement to 5%.

The current price for gasoline is approx $1.75 for regular gasoline (ie Ecopais) and is $1.00 for diesel.

We have a 1.8L manual hatchback car and generally go through 1.5 tanks per month. It costs us $20 each time we fill up.

Car maintanence – $100/month

Maintaining a car in Ecuador is relatively cheap given that labor costs are so cheap. But, if you need to rely on imported parts than it will cost you considerably more. For this reason, Ecuadorian’s tend to like commonly available cars like Chevrolets.

Whilst I consider the roads in Ecuador to be good compared to other Latin American countries, they are not as good you’ll find in many developed nations. Potholes, speed bumps and other unexpected surprises caused by the weather (ie landslides and fog) can make driving difficult and cause a fair bit of wear and tear on the car. And, given Cuenca is in the Andes, you’re bound to be going up and down mountains a lot which also puts pressure on the engine.

Given the expected wear and tear on cars here, you’ll need to find a good, honest mechanic in Cuenca.

We’ve included the following in our $100/month car maintenance costs:

General repairs (ie suspension, brakes etc)

Tire replacement

Oil & other minor servicing

Car washing twice per month ($5 each time).

Car Subtotal – $130/month

This is an easy cost to remove if you decide to live in the city of Cuenca as many expats get by without a car. Taxis, buses and trams are cheap and you’d be doing well to spend more than $30-40 per month.

If we didn’t have a car, then I’d expect us to spend around $150/month on transport. The majority of this would be on taxis as it costs us about $8 each way to get into Cuenca.

Child Related Costs in Cuenca

I’ve already mentioned that the cheaper cost of schools in Cuenca was one of the reasons we moved here from Quito. On top of that, general activities like horse-riding and other after-school activities are cheaper here.

School Fees (2 kids) – $500

You can choose the private or public school system in Ecuador. We’ve noticed a very substantial difference in the quality of teaching offered through each system, with private schools generally outperforming public schools in every metric except for cost.

School fees for our school of choice in Cuenca are $250/month. Transport costs extra, but we don’t need it as we drive or walk the kids to school.

There are also yearly costs such as uniforms, books and in what is a weird custom to me, you’ll also need to buy (and label with your child’s name) a whole host of other materials that they’ll use throughout the year. I’m talking about stuff like educational toys down to colored paper. Basically, anything your child will use throughout the year, you are expected to buy at the start of the year.

These one-off costs are why the government mandates workers receive an extra payment in August – to help pay for these educational costs.

School fees vary a lot. You can find schools in Cuenca that cost $800/month down the $100 or so. Homeschooling is another option that is popular amongst expats.

Horse Riding (2 kids) – $100

This covers tuition and riding twice per week for each child. I realize horse riding is very specific, but most after-school activities are in a similar range, costing $30-50 per month.

Other activities include football (of course), bike riding, dancing, swimming and hiking.

Child Costs Subtotal – $600/month (2 kids)

If you’re looking to put your kids through private school, you will be looking to pay a similar amount for education in Cuenca. You’ll pay considerably more in Quito or Guayaquil.

Obviously you can save yourself some money if you removed the after-school activities and decided to go to a cheaper school. But, I would suggest you check out the various schools you’re considering before making any decision because the teaching methods and environments can vary a lot.

Discretionary Costs

Alright, time to spend some cash on the fun stuff!

Cafes & Restaurants – $150/month

We generally eat out 4 times per month for lunch and another 4-5 times for cafe style coffee and snacks. For 2 adults and 2 kids, lunch generally costs $20-$30 and the coffee/snacks around $10.

Michelle and I will also go for the occasional date night approx once per month where it’s just the two of us having dinner and drinks. This might cost $20 or $50 depending on how romantic we’re feeling lol.

Yoga (2 adults) – $60/month

There’s a decent selection of yoga studios in Cuenca, most of which offer drop-in classes for around $5. Better value are the monthly passes which we currently pay $30/month for. This gives us more than enough yoga every month.

Yoga not for you? No problem. Gyms and other activities also have monthly passes in a similar $30-$50/month bracket.

Clothes – $100/month

Whilst we generally wait until we holiday in another country to buy clothes, we still purchase some basics in Cuenca like shoes, jumpers etc. You are better off bringing clothes with you if possible – especially if you’re a larger ‘gringo’ size as your options here might be limited.

Streaming (Netflix & Spotify) – $15/month

Streaming costs are likely to be cheaper in Ecuador than in your home country. The combined cost of Netflix and Spotify for individual plans is $15.

I know numerous extended families in Ecuador that pay much less than this because they take advantage of the family plans which work out to be much cheaper.

With IPTV and a Firestick, you may find you have access to enough channels that you no longer need a Netflix subscription.

Discretionary Subtotal – $325/month

If strapped for cash, you can basically remove these discretionary costs.

An easy substitution if you like eating out, but prefer to be a little more frugal, is to stick to the lunch menu of the day or almuerzo. These are generally $3-$5 and consist of a soup, main, drink, and sometimes a dessert. The quality varies, but you should be able to find several staple restaurants in Cuenca that you’re happy with the price and quality.

You could also bring your yoga/gym costs down by working out at home. Michelle and I occasionally practice guided yoga with instructors on Youtube or Gaia. We value the community that comes from practicing in person at yoga studios, but we still enjoy practicing at home.

Total Costs – $2,552/month

Our total monthly costs come in at around $2.5K for a family of 4 (2 adults and 2 kids). This total includes many items that I would consider luxuries that we could certainly go without if we wanted to save a little more.

I believe we could get our monthly costs down to $1,500 if we needed to. But, this would require a lifestyle change and moving to a cheaper house.

Lastly, to get money into Ecuador, we generally use a low-fee online service, as traditional bank transfers normally cost more and are more effort.

Do you live in Cuenca and happy to share your monthly costs? Feel free to let us know if the comments below. Or, perhaps you’re still deciding about Cuenca and are busily comparing prices between here and your home country. If this is you, let us know if the cost of living in Cuenca is high, low, or similar to what you’re paying now.

from Expats Ecuador https://expatsecuador.com/cost-of-living-cuenca/

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sethmschroth · 4 years

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The 7 Best Rental Car For Uber Partners

The amount of money you can make as an Uber driver depends on many elements including the city you are driving in and the hours you spend on it. Also, when you own a car, there are many expenses that you need to pay. But still, we see many drivers who use their own vehicles and many others who use a rental car for Uber.

There is no exact answer to the question if it’s better to use a rental car for Uber. The answer is really what is better for your specific situation, however, maybe this example can give you some ideas about your next move towards driving for Uber.

Uber Car Rental Vs Owning A Car

Here is an example so we see how renting or purchasing a New Hyundai Elantra 2020 is going to work for ridesharing purposes.

New Hyundai Elantra 2020 26k Vehicle Purchase or Rent? Two Years Model

Car Payment (dependant on credit) Rental $720 vs Owned $400

Car Maintenance (tires, oil, basics) Rental $0 vs Owned $100 mo.

Car Insurance ($50 variance) Rental $0 vs owned $150 mo.

Vehicle Cost (car payment + maintenance + insurance) Rental $720 vs Owned $650

Yearly Vehicle Cost (car payment + maintenance + insurance) Rental $8640 vs Owned $7800

Gross Driving Earnings 1k Week $48k a year – 40 hours a week or 850 miles a week, whichever comes first. 40800 miles a year.

Minus Vehicle Cost Rental $39360 vs Owned $40200

Gas Cost – Hyundai Elantra 14 gal tank 37 MPG Combined 518 miles per tank of gas Approx. $28 per full tank cost ($2 Gal.)

Miles Driven 170 miles driven per day x 5 days a week = 40,800 miles per year

Approx. Gas Price per year = $2212

Adjusted Earnings Minus Gas Cost – Rental $37148 vs Owned $37988

You will earn slightly more by owning your vehicle based on normal costs… However, there are more considerations.

Important Side Note >>> In 2020 the IRS is giving back + .57.5 cents per mile driven on taxes this applies to both rentals and owned vehicles and we discuss it in the About Rideshare Taxes article.

If you had an owned vehicle for 5 years, you would have a vehicle with 204k miles on it which has devalued to nothing. You will most likely not be able to trade this vehicle in for any new car. Use a Hyundai Elantra 26k new purchase value as an example. How long should you keep your car in order to save money? In 2 years, you will have 80k miles driven on the vehicle.

You probably do not want to go over 100k miles on a vehicle as you will start losing lots of money on trading your car in at a car dealer if you wanted to trade it in for a new vehicle. If you just want to use it until it is used up as a service vehicle and then keep it as a vehicle you will never be able to sell, that is another choice.

Your average depreciation could be somewhere around 21% when driving 40k miles a year as in the example here. Your new 26k Hyundai Elantra would lose somewhere around $10k in value in two years. You would be able to trade the car in for a new one for sure. How much the market value is after two years and what a car dealer will give you is up to you to negotiate.

The market value on it might be 16k considering you lost 10k from depreciation, but a dealer will not give you that much as they need to make money. Therefore they would offer let’s say 12k. Well, now you depreciated 14k, not 10k.

Is it a good idea to rent a vehicle then? It could be as your monthly cost will be slightly higher, but you have very low liability as car rental options include insurance and maintenance. What this means is zero downtime to drive if your rental has an issue. If they have a rental in stock for you of course, but the chance is good you won’t need to wait. In some cases, yes. Let’s say your monthly car payment for a new Elantra is $300 mo. Well, that is way below what it would cost to rent the same vehicle per month.

$300 per month lower in some cases. However, let’s remember you will swallow at least around 10k in depreciation in two years as an owner. Also, pay $150 or more on car insurance per month. and probably pay at least 1k a year in vehicle maintenance on the low side due to things like a set of tires needing replacement, oil changes, etc. So, let’s say in two years your maintenance costs are $2500 (not an unreasonable thought) and 10k in car depreciation for a total of $12,500.

That will cost you an extra $520 a month over two years… so now your total monthly is really $820 a month versus a car rental example of $600 a month.

Is it worth it to own your vehicle? Well, you will be able to trade it in for a new one and your monthly payment may actually go down on the new one since the total vehicle cost is being offset by the trade-in cost. The second vehicle you purchase would incur depreciation as well. Depreciation is less for lower-priced vehicles so the purchase model may make sense. Then there is the question of having a vehicle to use once you retire the vehicle, but if you are renting a vehicle you still get to use it as you normally would for anything you do.

Some vehicle rental options for Uber have limited milage usage per week and/or per day so this might cramp your style too.Rental Car For Uber Partners

Currently, Uber is working with many rental companies such as Getaround, Enterprise, Hertz, Hyrecar, and Zipcar. Renting a car from each of these companies has its own benefits. Here we are going to talk about all of them.

Getaround Uber

You can rent a vehicle from Getaround for a $4/hour starting price to drive for Uber. Right now, Hourly rentals are only available in Atlanta, Boston, Denver, Los Angeles, Philadelphia, Portland, San Diego, San Francisco Bay Area, and Washington, DC.

How Does Getaround Work

It is pretty simple to join Getaround. You don’t have to pay a cent for membership for its totally free. All you need to do is to upload your driver’s license and wait for it to be verified. Then you can select your ride, go to its location, unlock it through Getaround app, and start driving. Please remember you are responsible for refueling the vehicle and bringing it back clean to the same location it was parked.

Getaround Insurance

By renting a car from Getaround as a ridesharing driver, both you and the vehicle will be under Getaround insurance coverage. This insurance includes comprehensive, collision, and liability coverage administered by Broadspire.

Getaround Mileage Limit

Nearly all of the vehicles offered by Getaround have a base mileage limit depending on the type of car which is 100 daily miles for standard and 200 for specialty cars. Any additional requests for more mileage will come with additional charges.

Check Out Getaround Rental Options >>> Here

Uber Enterprise Rental

Enterprise is an Ex-partner with Uber. They ended their partnership with Uber in 2017. So we don’t recommend you to rent a vehicle from them.

Uber Car Rental Hertz

Hertz is currently partnering with Uber and renting cars to drivers. The cost of renting a car from hertz might be different in each city. However, to illustrate an example, you can actually rent a car for a week in Denver for $214. Also, you need to pay a $200 deposit upfront which is refundable right after you return the car.

Check Out Hertz Rental Options >>> Here

AVIS Uber

Uber drivers can rent a car for $214 a week from AVIS which is another car rental company partnering with Uber and it is currently available to drivers in Atlanta, Austin, Boston, Charlotte, Chicago, Cincinnati, Cleveland, Columbus, Dallas, Denver, Houston, Indianapolis, Las Vegas, Los Angeles, Miami, Milwaukee, Minneapolis – St. Paul, Nashville, New Jersey, Philadelphia, Phoenix, Pittsburgh, Portland, Raleigh-Durham, Salt Lake City, San Diego, San Francisco, Seattle, St. Louis, and Washington, DC.

Check Out AVIS Rental Options >>> Here

Hyrecar Uber

Considered one of the best rental companies for ridesharing, HyreCar is renting vehicles especially to Uber drivers with no contracts, no signup fees, and no delay. It has multiple options for filtering the vehicles such as price, model, and even location, making it very easy to find the vehicle an Uber driver is looking for.

Please note that the minimum amount of time for renting a car from HyreCar is 2 days. Also, if you are using a debit card, you need to pay an upfront $200 refundable deposit. Otherwise, if you want to avoid that deposit, you’ll have to use a credit card instead.

In order to avoid any additional late fees, make sure to check “confirm dropoff” on the app or website when you are returning the car. Its also recommended to confirm it with the owner too.

Also, if you are an Uber driver and already own a car, you can rent it out using HyreCar in case you want to take a break from driving for a few days and still make some money.

Hyrecar Insurance

If you’ve wondered, “Do I need rideshare insurance? “. The answer is, yes. You need special coverage that some major insurance companies don’t offer. That’s why HyreCar insurance coverage is included with every rental. That way you’re covered in case of an accident while you’re driving on the job.

Hyrecar Cost

At HyerCar, The prices for cars are decided by owners so there is not any list of prices we can provide.

Check Out Hyrecar Rental Options >>> Here

Uber Zipcar Rental Car For Uber

Another car rental company is partnering with Uber in California, Las Vegas, Georgia, and also the United Kingdom.

What Is Zipcar

Zipcar is a car rental company partnering with Uber eats available for delivery services. It also offers special benefits for Uber Eats drivers who are renting a car form Zipcar for the first time.

Zipcar Insurance

If you comply with Zipcar membership contract, you are covered by Zipcar physical damage insurance while you are driving a vehicle rented from this company. However, the driver is responsible for any damage to the vehicle up to a $1000 fee. Any further damage is covered by Zipcar insurance. The damage fee can be reduced or eliminated with the purchase of an optional damage protection plan.

Zipcar insurance also includes secondary third party liability coverage and, where required, Personal Injury Protection (PIP) or “no-fault” coverage. All third party liability and PIP coverage meet the minimum requirements of the state or jurisdiction in which an accident occurs, and coverage is only available after a member has exhausted any other applicable coverage.

Zipcar Mileage Limit

Zipcar provides 180 free miles for each 24-hour period on every vehicle plus 20 free miles for each additional hour of your reservation until you reach 180 miles.

Zipcar Prices

Zipcar has this option so drivers can choose their driving plans based on the type of car they want, trip duration, and the number of miles they want to travel. So make sure to visit the Zipcar website to calculate your plan cost.

All additional mileage will be billed at $0.45/mile when your reservation ends (up to $0.55/mile for premium vehicles and cargo vans).

Check Out Zipcar Rental Options >>> Here

Turo Uber

Turo is another company for renting cars, mostly with higher quality. This company allows car owners to rent their cars to drivers who are looking for rent under specific demands set by the owner.

How Does Turo Work

If you are an owner, you can simply upload your vehicle information on Turo’s website and earn passive income from renting it without driving. However, as an uber driver, At the time of this writing you can not use any of Turo’s vehicles unless you want to use it for a personal purpose.

Turo Insurance

According to Turo’s website, Turo provides three levels of insurance coverage to hosts (people who own cars and allow others to rent them through the Turo platform): Basic, Standard, and Premium. They also all include coverage for physical damage to the car, up to $125,000. However, selecting the “Basic” level means that you have to pay a deductible: 80% of the first $3,000 to cover repairs. The Standard and Premium options waive the deductible, and Turo will cover the entire cost to repair your vehicle if it is damaged.

Check Out Turo Rental Options >>> Here

You Should Check Out: Rideshare-Rentals

Ridesharing It - Ridesharing Help For Riders & Drivers

The 7 Best Rental Car For Uber Partners published first on https://ridesharingit.blogspot.com

#riders #drivers #ridesharing

0 notes

audreypbeatty · 4 years

Text

The 7 Best Rental Car For Uber Partners

Uber Car Rental Vs Owning A Car

Here is an example so we see how renting or purchasing a New Hyundai Elantra 2020 is going to work for ridesharing purposes.

New Hyundai Elantra 2020 26k Vehicle Purchase or Rent? Two Years Model

Car Payment (dependant on credit) Rental $720 vs Owned $400

Car Maintenance (tires, oil, basics) Rental $0 vs Owned $100 mo.

Car Insurance ($50 variance) Rental $0 vs owned $150 mo.

Vehicle Cost (car payment + maintenance + insurance) Rental $720 vs Owned $650

Yearly Vehicle Cost (car payment + maintenance + insurance) Rental $8640 vs Owned $7800

Gross Driving Earnings 1k Week $48k a year – 40 hours a week or 850 miles a week, whichever comes first. 40800 miles a year.

Minus Vehicle Cost Rental $39360 vs Owned $40200

Gas Cost – Hyundai Elantra 14 gal tank 37 MPG Combined 518 miles per tank of gas Approx. $28 per full tank cost ($2 Gal.)

Miles Driven 170 miles driven per day x 5 days a week = 40,800 miles per year

Approx. Gas Price per year = $2212

Adjusted Earnings Minus Gas Cost – Rental $37148 vs Owned $37988

You will earn slightly more by owning your vehicle based on normal costs… However, there are more considerations.

Important Side Note >>> In 2020 the IRS is giving back + .57.5 cents per mile driven on taxes this applies to both rentals and owned vehicles and we discuss it in the About Rideshare Taxes article.

That will cost you an extra $520 a month over two years… so now your total monthly is really $820 a month versus a car rental example of $600 a month.

Some vehicle rental options for Uber have limited milage usage per week and/or per day so this might cramp your style too.Rental Car For Uber Partners

Getaround Uber

How Does Getaround Work

Getaround Insurance

Getaround Mileage Limit

Check Out Getaround Rental Options >>> Here

Uber Enterprise Rental

Enterprise is an Ex-partner with Uber. They ended their partnership with Uber in 2017. So we don’t recommend you to rent a vehicle from them.

Uber Car Rental Hertz

Check Out Hertz Rental Options >>> Here

AVIS Uber

Check Out AVIS Rental Options >>> Here

Hyrecar Uber

In order to avoid any additional late fees, make sure to check “confirm dropoff” on the app or website when you are returning the car. Its also recommended to confirm it with the owner too.

Also, if you are an Uber driver and already own a car, you can rent it out using HyreCar in case you want to take a break from driving for a few days and still make some money.

Hyrecar Insurance

Hyrecar Cost

At HyerCar, The prices for cars are decided by owners so there is not any list of prices we can provide.

Check Out Hyrecar Rental Options >>> Here

Uber Zipcar Rental Car For Uber

Another car rental company is partnering with Uber in California, Las Vegas, Georgia, and also the United Kingdom.

What Is Zipcar

Zipcar is a car rental company partnering with Uber eats available for delivery services. It also offers special benefits for Uber Eats drivers who are renting a car form Zipcar for the first time.

Zipcar Insurance

Zipcar Mileage Limit

Zipcar provides 180 free miles for each 24-hour period on every vehicle plus 20 free miles for each additional hour of your reservation until you reach 180 miles.

Zipcar Prices

All additional mileage will be billed at $0.45/mile when your reservation ends (up to $0.55/mile for premium vehicles and cargo vans).

Check Out Zipcar Rental Options >>> Here

Turo Uber

Turo is another company for renting cars, mostly with higher quality. This company allows car owners to rent their cars to drivers who are looking for rent under specific demands set by the owner.

How Does Turo Work

Turo Insurance

Check Out Turo Rental Options >>> Here

You Should Check Out: Rideshare-Rentals

Ridesharing It – Ridesharing Help For Riders & Drivers

The 7 Best Rental Car For Uber Partners published first on https://ridesharingit.wordpress.com

#riders #drivers #ridesharing

0 notes

charlesbmoran · 4 years

Text

The 7 Best Rental Car For Uber Partners

Uber Car Rental Vs Owning A Car

Here is an example so we see how renting or purchasing a New Hyundai Elantra 2020 is going to work for ridesharing purposes.

New Hyundai Elantra 2020 26k Vehicle Purchase or Rent? Two Years Model

Car Payment (dependant on credit) Rental $720 vs Owned $400

Car Maintenance (tires, oil, basics) Rental $0 vs Owned $100 mo.

Car Insurance ($50 variance) Rental $0 vs owned $150 mo.

Vehicle Cost (car payment + maintenance + insurance) Rental $720 vs Owned $650

Yearly Vehicle Cost (car payment + maintenance + insurance) Rental $8640 vs Owned $7800

Gross Driving Earnings 1k Week $48k a year – 40 hours a week or 850 miles a week, whichever comes first. 40800 miles a year.

Minus Vehicle Cost Rental $39360 vs Owned $40200

Gas Cost – Hyundai Elantra 14 gal tank 37 MPG Combined 518 miles per tank of gas Approx. $28 per full tank cost ($2 Gal.)

Miles Driven 170 miles driven per day x 5 days a week = 40,800 miles per year

Approx. Gas Price per year = $2212

Adjusted Earnings Minus Gas Cost – Rental $37148 vs Owned $37988

You will earn slightly more by owning your vehicle based on normal costs… However, there are more considerations.

Important Side Note >>> In 2020 the IRS is giving back + .57.5 cents per mile driven on taxes this applies to both rentals and owned vehicles and we discuss it in the About Rideshare Taxes article.

That will cost you an extra $520 a month over two years… so now your total monthly is really $820 a month versus a car rental example of $600 a month.

Some vehicle rental options for Uber have limited milage usage per week and/or per day so this might cramp your style too.Rental Car For Uber Partners

Getaround Uber

How Does Getaround Work

Getaround Insurance

Getaround Mileage Limit

Check Out Getaround Rental Options >>> Here

Uber Enterprise Rental

Enterprise is an Ex-partner with Uber. They ended their partnership with Uber in 2017. So we don’t recommend you to rent a vehicle from them.

Uber Car Rental Hertz

Check Out Hertz Rental Options >>> Here

AVIS Uber

Check Out AVIS Rental Options >>> Here

Hyrecar Uber

In order to avoid any additional late fees, make sure to check “confirm dropoff” on the app or website when you are returning the car. Its also recommended to confirm it with the owner too.

Also, if you are an Uber driver and already own a car, you can rent it out using HyreCar in case you want to take a break from driving for a few days and still make some money.

Hyrecar Insurance

Hyrecar Cost

At HyerCar, The prices for cars are decided by owners so there is not any list of prices we can provide.

Check Out Hyrecar Rental Options >>> Here

Uber Zipcar Rental Car For Uber

Another car rental company is partnering with Uber in California, Las Vegas, Georgia, and also the United Kingdom.

What Is Zipcar

Zipcar is a car rental company partnering with Uber eats available for delivery services. It also offers special benefits for Uber Eats drivers who are renting a car form Zipcar for the first time.

Zipcar Insurance

Zipcar Mileage Limit

Zipcar provides 180 free miles for each 24-hour period on every vehicle plus 20 free miles for each additional hour of your reservation until you reach 180 miles.

Zipcar Prices

All additional mileage will be billed at $0.45/mile when your reservation ends (up to $0.55/mile for premium vehicles and cargo vans).

Check Out Zipcar Rental Options >>> Here

Turo Uber

Turo is another company for renting cars, mostly with higher quality. This company allows car owners to rent their cars to drivers who are looking for rent under specific demands set by the owner.

How Does Turo Work

Turo Insurance

Check Out Turo Rental Options >>> Here

You Should Check Out: Rideshare-Rentals

Ridesharing It - Ridesharing Help For Riders & Drivers

The 7 Best Rental Car For Uber Partners published first on https://ridesharingit.tumblr.com

#riders #drivers #ridesharing

0 notes

ridesharingit · 4 years

Text

The 7 Best Rental Car For Uber Partners

Uber Car Rental Vs Owning A Car

Here is an example so we see how renting or purchasing a New Hyundai Elantra 2020 is going to work for ridesharing purposes.

New Hyundai Elantra 2020 26k Vehicle Purchase or Rent? Two Years Model

Car Payment (dependant on credit) Rental $720 vs Owned $400

Car Maintenance (tires, oil, basics) Rental $0 vs Owned $100 mo.

Car Insurance ($50 variance) Rental $0 vs owned $150 mo.

Vehicle Cost (car payment + maintenance + insurance) Rental $720 vs Owned $650

Yearly Vehicle Cost (car payment + maintenance + insurance) Rental $8640 vs Owned $7800

Gross Driving Earnings 1k Week $48k a year – 40 hours a week or 850 miles a week, whichever comes first. 40800 miles a year.

Minus Vehicle Cost Rental $39360 vs Owned $40200

Gas Cost – Hyundai Elantra 14 gal tank 37 MPG Combined 518 miles per tank of gas Approx. $28 per full tank cost ($2 Gal.)

Miles Driven 170 miles driven per day x 5 days a week = 40,800 miles per year

Approx. Gas Price per year = $2212

Adjusted Earnings Minus Gas Cost – Rental $37148 vs Owned $37988

You will earn slightly more by owning your vehicle based on normal costs… However, there are more considerations.

Important Side Note >>> In 2020 the IRS is giving back + .57.5 cents per mile driven on taxes this applies to both rentals and owned vehicles and we discuss it in the About Rideshare Taxes article.

That will cost you an extra $520 a month over two years… so now your total monthly is really $820 a month versus a car rental example of $600 a month.

Some vehicle rental options for Uber have limited milage usage per week and/or per day so this might cramp your style too.Rental Car For Uber Partners

Getaround Uber

How Does Getaround Work

Getaround Insurance

Getaround Mileage Limit

Check Out Getaround Rental Options >>> Here

Uber Enterprise Rental

Enterprise is an Ex-partner with Uber. They ended their partnership with Uber in 2017. So we don’t recommend you to rent a vehicle from them.

Uber Car Rental Hertz

Check Out Hertz Rental Options >>> Here

AVIS Uber

Check Out AVIS Rental Options >>> Here

Hyrecar Uber

In order to avoid any additional late fees, make sure to check “confirm dropoff” on the app or website when you are returning the car. Its also recommended to confirm it with the owner too.

Also, if you are an Uber driver and already own a car, you can rent it out using HyreCar in case you want to take a break from driving for a few days and still make some money.

Hyrecar Insurance

Hyrecar Cost

At HyerCar, The prices for cars are decided by owners so there is not any list of prices we can provide.

Check Out Hyrecar Rental Options >>> Here

Uber Zipcar Rental Car For Uber

Another car rental company is partnering with Uber in California, Las Vegas, Georgia, and also the United Kingdom.

What Is Zipcar

Zipcar is a car rental company partnering with Uber eats available for delivery services. It also offers special benefits for Uber Eats drivers who are renting a car form Zipcar for the first time.

Zipcar Insurance

Zipcar Mileage Limit

Zipcar provides 180 free miles for each 24-hour period on every vehicle plus 20 free miles for each additional hour of your reservation until you reach 180 miles.

Zipcar Prices

All additional mileage will be billed at $0.45/mile when your reservation ends (up to $0.55/mile for premium vehicles and cargo vans).

Check Out Zipcar Rental Options >>> Here

Turo Uber

Turo is another company for renting cars, mostly with higher quality. This company allows car owners to rent their cars to drivers who are looking for rent under specific demands set by the owner.

How Does Turo Work

Turo Insurance

Check Out Turo Rental Options >>> Here

You Should Check Out: Rideshare-Rentals

Ridesharing It - Ridesharing Help For Riders & Drivers

#riders #drivers #ridesharing

0 notes

yeskhanzadame11 · 4 years

Text

Bet on Yourself or Get Out of the Game! 9 Non-Negotiable for New Businesses

In an surroundings in which increasingly people are leaving the "security" of a regular, company job to cling a shingle as an impartial, the distinction among those that succeed and those that fail can often be associated without delay to how much humans are inclined to invest in themselves.

Putting "pores and skin in the sport" is an expression that conveys how a ways you'll visit prove that you are invested inside the business. I've met so many independents that seem to suppose that an idea, a cellular cellphone, and an old PC entitles them to contracts however I actually have determined that the folks who do fine on their very own have made enormous investments in themselves before looking forward to others to put money base camp alternative into them (shopping for projects or infusing capital.) Over the past ten years, I even have come up with a list of "no-trainers" that I assume each representative have to keep in thoughts when finding out to go out on his very own.

Nine No-Trainer Non-Negotiable Keys to Success as an Independent Consultant

1. Give your employer name actual concept

2. Get a separate commercial enterprise cellphone line, internet deal with, web page

three. Buy accurate system and maintain it updated

4. Ongoing schooling counts - go to conferences, alternate suggests

5. Visit clients for your own dime now and then

6. Don't misrepresent yourself, and do not bargain the value of a digital business enterprise

7. Join institutions, volunteer, and community

8. Don't be reasonably-priced

nine. Don't be grasping

What's in a name?

Your corporation name and brand makes an impression before you ever get a danger to dazzle your prospect along with your knowledge. There are lots of opinions on naming conventions - however one factor that screams "small" are those who run one man or woman shops, and name their agencies by including "and agency", or "and associates" to their remaining call. The exception to this are of course, the ones profession specialists who have a actual recognizable call in the enterprise they're running in. Otherwise, naming your agency after your self ties you and everybody you could rent to your call. And your name usually is NOT a trademark of the advantages you provide your clients. Starting a actual commercial enterprise manner developing some thing above and beyond YOU. Get out of your very own way. Be smart, be authentic, and be descriptive. And, by the way, in case you provide you with an excellent story about how you obtain your name you will have something to interrupt the ice while you meet potentialities.

You are NOT your agency.

Outsourcing work to different experts is part of my commercial enterprise model and over time I even have learned that those who do not take themselves critically as contractors are inconsistent with their deliverable. I search for companions who: have a separate work space of their home (with a door!), have installed a commercial enterprise line of credit (separate commercial enterprise from non-public expenses), have a cellular cellphone (no longer one for the family that they percentage, however their personal), have a dedicated cellphone line, very own a website name for enterprise use (e.G. Do not use your [email protected] for business mail), have a exceptionally new notebook PC, a scanner, and at least a black & white laser printer. Buying valid copies of software counts, too. When you're "legit" you have get admission to to assist traces which is available in on hand whilst inevitably, you want actual help to solve a hassle. (As an instance, I've gotten caught writing complex if/then statements in Excel, but my legitimately purchased software program entitled me to tech assist.)

Keep your self up to date with the satisfactory tools you can have enough money

I always pay a touch extra to get equipment that meets state-of-the-art needs and offers me room to grow. A excessive first-class enterprise-class telephone (like the Poly com), a laser printer, a scanner/fax gadget - all of those are important for your private home office. Virtual telephone structures including Hotmail can ahead your calls to any number at the same time as supplying you with a expert look for much less than $10/month. And of route, keep in mind that today's first rate package deal is the next day's vintage device set. When you're on your personal, it slow is your most valuable asset that lamentably, you cannot buy extra of. When you make an effort to equip yourself from the get-move, you will be capable of supply professionally with the least amount of anxiety! And as you grow, you want to keep reinvesting to preserve that area.

Keep getting to know.

There is not any sorrier sight than assembly a has-been-hotshot now "representative" who thinks he/she is aware of it all. If you pass into business thinking that your clients are going to pay you to keep enhancing your skill set - you're incorrect. Schedule a category, trade show, or convention at least once a month. Sure, you may have had sixty humans running for you inside the beyond at your beck and call. Now? You are in your personal. So for goodness sake, discover ways to truly use Word or create Excel macros. Go to change shows, pick up literature as an well-known shows-most effective attendee, and now after which PAY to attend a convention and go to the periods. Taking the ones one or day seminars that dive underneath the floor of programs can help you in sudden approaches when you are trying to resolve vexing issues. Really. Take time to increase an alternate view of everything you may.

Stop in and say hi there.

Not just to the customers which are on your metropolis. Schedule a experience - go visit clients which are throughout the u . S . A ., just because - and do it at your fee. Find a convention and agenda journeys around it. The greater proactive you are, the more top of mind you'll be whilst a mission comes alongside. The key isn't to have a high strain income name. Your long time agenda might be to get extra work, but quick term -- you should consciousness on checking in with human beings and demonstrating which you care about them and their issues even whilst you are not at the clock. Setting up your schedule is easy if you do not strain people to peer you. At least two times annually, I find a proper conference to attend in a metropolis where I actually have customers and potentialities. I point out that I'll be on the town for the X conference and would really like to prevent in and capture up. While I do not go away with contracts all of the time, greater regularly than now not, I'm the primary person they call whilst some thing new and intriguing comes up. And don't limit yourself to clients. If you figure with others sincerely (different contractors, vendors) make it a point to meet them. It makes all of the distinction in the global while human beings can size you up in person.

Represent yourself as you are.

I've run a digital employer for almost ten years. I have had Fortune 50 groups meet at my eating room table. How is that possible? I represent what I do really. I give an explanation for that I have a virtual group. We are all connected through the net with organization collaboration software program (suppose base camp alternative , Web Ex Intranets) and we meet frequently for updates on our tasks. I invite customers to visit with the crew - and host absolutely everyone at my domestic, or we agree to satisfy at a trade display. On those occasions in which it counts, individuals who want to grow collectively locate approaches to get there. Showing up is ninety% of success or so it appears. Once humans recognize they can anticipate you, they do.

No consultant is an island, get accessible, community and proportion!

As a professional facts expert, I belong to as many associations as I can to keep on top of industry traits. In my enterprise, the Direct Marketing Association (DAM), American Marketing Association (AMA), Association of Independent Information Professionals (AIRSHIP), Market Research Association (MAR) are just a few of the various companies that I even have related to over time. As a female-owned enterprise, I joined the COWBOY in Syracuse, NY and the National Women's Chamber of Commerce as well. While I can't attend all the meetings, I actively participate on list serves, attend conferences, and volunteer when I can. Keeping up with contacts is straightforward the usage of LinkedIn as well as cope with e book software program, which includes Plano. I find that the greater I percentage with others, the extra they percentage with me. The extra I know, the more fee I convey to my customers.

Don't be reasonably-priced.

Just don't.

The tighter you are along with your cash, the greater humans suppose you're desperate and the less in all likelihood they may be to do repeat enterprise with you. On the alternative hand, do not be a prim Donna. You do not should pass overboard to impress others. If someone invites you to sign up for them on a purchaser name, pick out up the tab for lunch. If an companion invitations you live over (as opposed to staying at a inn), convey a small gift. When you are at a conference and you visit get a espresso, buy one for your purchaser. And on the subject of tasks and deliverable, if you could throw in something greater, do it. Nickel and deeming your pals and customers will earn you a reputation this is not possible to shake. The old pronouncing "it takes money to make cash" -- is proper. You want to dress the component, act the part, feel the component, and all of sudden, you may be the consultant you envision.

Don't be grasping.

Some of the neatest humans I realize are lousy crew players. They positioned themselves first - above and beyond rational expectancy. Over the years I had been very near operating with capacity companions who determined at the closing minute to negotiate tough - and almost completely in their own choose to the detriment of the rest of the crew. I suppose that is why some human beings are impartial; they truly don't play properly with others.

People do now not like to be taken gain of or pressured right into a corner. The more you push a person, the extra he is in all likelihood to drop out of the dialogue. I have discovered to think through the alternatives and to maintain them open as possibilities evolve. Keep in thoughts that a honestly useful settlement is one in which all of us offers up a little for the good of the group. This holds true for customer contracts as well as for collaborative possibilities. Some people assume which base camp alternative you should start tons better than you count on to get and negotiate right down to an acceptable stage. Personally, I do not like to experience as though I'm giving up that much. I'd prefer to begin reasonably, and take matters off the table instead of put on a show and try and get the alternative birthday party down to a bare bones agreement or fee. Everyone should experience as if they're getting a bargain. Greed has no place on the negotiating table.

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andylocksmithtipsntricks · 5 years

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The Best Home Alarm Systems in the UK

Overall Favourite

SimpliSafe

Read Review

No contracts

Easy DIY installation

No contracts

Easy DIY installation

View Packages

Read Review

Best Smart Security System

Yale Smart Alarm

Read Review

Less expensive

No professional monitoring

Less expensive

No professional monitoring

View on Amazon

Read Review

Most Trusted

ADT

Read Reviews

140+ years experience

Smart home options

140+ years experience

Smart home options

View Packages

Read Reviews

Last Updated: A day ago

We updated monthly monitoring prices and added the cost for starter equipment from each home alarm company we recommend. We also added ADT to our top three due to its longstanding reputation and years of experience protecting homes.

Bottom Line: SimpliSafe Home Security Tops the List

The do-it-yourself home security system that’s been a great success in America is now available in the UK. SimpliSafe home security systems are sleek, small—and above all, simple. There are no contracts, no wires to deal with and no high-pressure sales.

We like that SimpliSafe delivers reliable professional monitoring for almost half of what other home security companies are charging. You can have the reassurance of 24/7 protection without draining your bank account. And SimpliSafe works whether you own a detached home or rent a flat.

Compare the Best Home Security Systems in the UK

Brand Lowest Monthly Price Starter Equipment Price Contract Required Installation Learn More

£12.99/mo. N/A £27.99/mo. N/A £39.90/mo. £249.00 £269.99 £0* £139.99 Call for Quote X No X No ✓ Yes X No ✓ Yes DIY DIY Pro DIY Pro View Packages View on Amazon View Packages View on Amazon View Packages

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Amazon.com List Price as of 19/12/2019 10:05 a.m. MST. (Full disclaimer)

*£0 due upfront for equipment with contract.

Top 5 Home Alarm Systems in the UK

SimpliSafe: Overall Favourite

Yale: Best Smart Security System

Blink: Best Security Camera System

Verisure: Most Comprehensive

ADT: Most Trusted

Reviews: Best Home Security Systems

#1 SimpliSafe: Overall Favourite

SimpliSafe offers the best of both worlds—easy DIY installation and professional monitoring service. You’re in complete control of your SimpliSafe home security system, from the equipment you choose to optional professional monitoring with no contracts.

SimpliSafe has five preselected equipment packages, ranging from £279 to £504. If you don’t find a good match, you can skip the packages altogether and build your own system.

Here’s a look at what’s included in SimpliSafe’s home security packages.

Pros

Affordable monitoring

Easy DIY installation

Security camera included in every package

Voice control with Amazon Alexa or Google Assistant

Cons

No external siren

Higher upfront costs

View Packages

SimpliSafe Equipment Packages

Package Price Base Station Keypad Key Fobs Door and Window Sensors Motion Sensors Glassbreak Sensors SimpliCam 105 db Siren Panic Button

The Starter

The Essentials

The Warwick

The Windsor

The Bamburgh

£279 £309 £364 £454 £504 1 1 1 1 1 1 1 1 1 1 0 0 1 1 2 1 3 7 5 3 1 1 0 2 2 0 0 0 0 1 1 1 1 1 1 0 0 0 1 1 0 0 0 0 1

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In contrast to its American security packages, SimpliSafe includes its indoor security camera (the SimpliCam) in every UK package. Because visual confirmation is often required for police response, this extra inclusion was a smart move.

The biggest drawback to SimpliSafe is the absence of an external siren or bell box, which is the first signal to a burglar that your home isn’t worth the trouble. Instead, the company provides a yard stake and sign, which is an effective deterrent across the pond, but not as familiar here.

Another consideration is the upfront cost. You have to buy all of your SimpliSafe security devices outright. That can mean a hefty investment, depending on the package you need.

But the good news is that after you buy your equipment, there are no other required expenses. And you can get professional monitoring starting at just £12.99 per month—that’s less than half of the monthly fees from ADT and Verisure.

Our Pick for SimpliSafe: The Windsor

The Windsor costs a little bit more, but it delivers everything you need to protect your home and loved ones.

The extra siren helps make up for SimpliSafe’s lack of a bell box, and once you buy the equipment, it’s yours forever. There are no extra fees, but we strongly recommend adding SimpliSafe’s contract-free monitoring. • 2 motion sensors • 105 db siren • Add monitoring for £12.99/mo.

#2 Yale Smart Home Alarm: Best Smart Security System

The Yale Smart Home Alarm combines home automation and home security—with no monthly fees.

Use the Yale mobile app to set up your system, control your alarm and receive instant alerts. You can also add up to 40 extra devices (including panic buttons and smoke alarms) to make sure every inch of your home is covered.

Pros

Fully customizable

Cheaper than other alarm systems

Compatible with up to 40 devices

Equipped with loud external siren

Cons

No professional monitoring

Long command phrases for Alexa

View on Amazon

When it comes to smart home features, the Yale alarm system works with Amazon Alexa for voice control and Philips Hue smart lightbulbs for an extra burglar deterrent. When your alarm is triggered, Hue lights flash red to warn off intruders.

We like that you can customize the Yale system to meet your needs—including a “part armed” setting that lets you arm devices in designated areas of your home, while leaving other areas unarmed. This is a good way to avoid false alarms from rambunctious pets.

But there’s no option to add professional monitoring, so you’ll be fully responsible for keeping an eye on your home and contacting police in an emergency.

Our Pick for Yale: Family Kit

The Yale Smart Home Alarm Family Kit includes everything you need to keep your home safe. Plus, it works with Amazon Alexa and Philips Hue smart light bulbs.

You can arm and disarm your system with your voice and program flashing red lights as an extra warning for intruders to stay away. • 2 motion detectors • 1 external siren • 1 mobile app to control everything • No monitoring available

#3 Blink Home Security System: Best Security Camera System

Security cameras are the heart and soul of the Blink home alarm system. Blink cameras come with a built-in motion detector and free cloud storage, so you can capture every second of an intruder’s entry or the adorable antics of your family pet.

Pros

Free cloud storage

Live video streaming

Two-year battery life

Affordable price tag

Cons

No siren or bell box

No professional monitoring

View on Amazon

If you’re more interested in video surveillance than a loud siren, then Blink is a good match for you. When a Blink HD camera picks up motion, it automatically starts recording.

You’ll get an instant alert with the video attached. Then you can review the footage and decide what to do next.

These security cameras are small and unobtrusive—and you can place them on a table or shelf, or use the enclosed bracket to mount them on a wall. The motion sensor is adjustable, so you can avoid a deluge of notifications every time your cat scampers past.

But this is a limited home security option. There isn’t an external alarm, and there’s no option to connect with guard or police response.

Our Pick for Blink: 2-Camera Kit

We like the Blink 2-Camera Kit because it gives you the option to keep an eye on the inside and outside of your home—or you can watch two entrances to your home.

This is a good fit if you have pets or children you want to check in with and if you aren’t looking for a siren or professional monitoring. • Totally wire-free • Live video streaming • Works with Amazon Alexa

#4 Verisure Smart Alarms: Most Comprehensive

Verisure offers the most home security options of any security company on our list.

These smart alarm systems adapt to the needs of your home—no matter what type of home it is or however big or small it may be. Verisure designs custom alarm systems for flats, villas, apartments, detached houses, garages and sheds.

Pros

ZeroVision smoke barrier

Included guard response

Professional installation

Fast response time

Cons

Consultation required for price quote

Higher monitoring fees

View Packages

One of the best features of a Verisure alarm is the company’s quick response time during an emergency. Verisure claims an average response time of 45 seconds. That means help is on the way in around 45 seconds from the moment Verisure’s Alarm receiving centre gets an alert.

And it’s the only security company we’ve found that offers the extra deterrent of smoke to scare off burglars.

The ZeroVision smoke alarm expels a dense fog that impairs an intruder’s vision and buys extra time for the police or a guard to arrive.

Verisure approaches home security with specific solutions tailored to deliver the protection each home needs to ward off theft and other home security threats. Before you commit to a Verisure alarm, a security expert will visit your home and recommend a package that meets the needs of your family and property.

The security consultation is free, with no obligation to enter into a contract, so you can explore Verisure alarms without risk. But you will have to wait for a consultation to get full pricing information, and Verisure’s monitoring plans are the most expensive on our list.

Our Pick for Verisure: Flat Alarm System

Verisure’s Flat Alarm System is custom-designed based on a free security consultation.

This ensures the right amount of security for whatever type of property you call home. And the portable control panel means it’s easy to take your alarm system with you if you move. • Guard response • SOS panic button • Lifelong warranty and maintenance • High-power external siren

#5 ADT: Most Trusted

ADT has over 140 years of home security experience, and it shows. ADT says over 90% of intruders would think twice about targeting a home protected by an ADT-monitored intruder alarm.

If you want 24/7 security provided by an alarm company with a proven track record, ADT is a solid choice.

View Packages

Pros

Over 140 years of experience

Smart home options

Monitoring center expertise

Smoke and CO monitoring available

Cons

More expensive pricing

No cameras in base package

With ADT Smart Home©, you can use your smartphone or computer to remotely access your alarm system and control your home’s lights and other smart home devices.

You won’t have to wonder if you forgot to set the alarm or turn out the lights—the power to control security alerts, Wi-Fi cameras, lights and any other connected devices is in the palm of your hand.

Every ADT alarm package comes with 24/7 monitoring. If your intruder alarm is triggered, ADT’s central monitoring station responds immediately—monitoring specialists are always on guard and never ignore an alarm.

ADT monitoring can also keep an eye on other vital emergency response systems like smoke detectors and carbon monoxide alarms.

But ADT alarm systems tend to be more expensive, and monthly monitoring fees are on the higher end. Plus, security cameras aren’t included in the base equipment package, so you’ll have to upgrade if you want the extra reassurance of video surveillance.

Our Pick for ADT: Keyholder Smart Home

ADT’s Keyholder Smart Home package offers outstanding security services, which ADT is known for, plus full home automation integration.

You get mobile access and control through the ADT Smart Home app, which works with iOS and Android smartphones, tablets and PCs. • Pet-friendly sensors • 24/7 monitoring • Smoke and CO monitoring

Types of Home Security Services

Audible vs. Monitored System

Audible, or bells-only, alarm systems are the most affordable option, but their only line of defence is a siren that sounds when the system is triggered.

Monitored alarm systems are linked to an alarm receiving centre where trained alarm monitors keep watch over your property 24/7. When deciding between a monitored or bells-only alarm, consider where you live.

If you live in a busy area with an active neighbourhood watch scheme, a bells-only alarm might be all the protection you need. But those who live in a detached home, where neighbours are farther away, may want the extra security provided by a monitored burglar alarm.

Keyholder vs. Guard or Police Response

Monitored alarm systems come with different response options. Keyholder response provides alerts to the homeowner and any other named keyholders when the alarm is triggered. This is the most common response level, and it’s usually included in most basic alarm system packages.

Guard or police response—where a private security guard or the police are dispatched after an alarm—is likely an upgrade and may increase monthly fees.

The level of response you choose will depend on a number of factors including the type of property, the valuables you’re protecting and the ages and abilities of household members. If you have rare or costly valuables that would be difficult to replace, or you want to provide extra help to younger or older family members, the added comfort of guard or police response may be worth the extra expense.

Wired vs. Wireless Alarm System

Both wired and wireless alarm systems are available. Your choice will depend on multiple factors including cost, reliability and maintenance. Hard-wired security systems must be professionally installed, so that can increase costs.

Wired systems are more likely to include police response, but they must meet National Police Chiefs’ Council (NPCC) Intruder Alarm Policy standards. Wireless alarm systems are considered more convenient and less expensive to install. Because you don’t need to run cables or lift carpets, wireless systems are easier to install, which reduces installation fees.

DIY vs. Professional Burglar Alarm

You can choose between a professional alarm system (like Verisure or ADT) or a home alarm that you can purchase and install on your own.

A DIY security system (like our top pick, SimpliSafe) is usually less expensive and gives you total control over system design and installation. Plus, you won’t have to worry about paying a monthly monitoring fee. If monitoring is not a concern for you, a DIY system is an affordable home security alternative.

Professional burglar alarms provide the highest level of security, but they also cost more and come with fewer options. However, you don’t have to worry about figuring out installation or conducting maintenance on a professional security system. There may be more costs, but the convenience and confidence provided by a professional alarm system are well worth it.

What to Consider in a UK Alarm System

We’ve identified the most important things to consider when searching for the best intruder alarm system. These six factors give you a solid starting point for evaluating the different home security options available.

NSI Accreditation

National Security Inspectorate (NSI) accreditation assures consumers that products and security companies consistently meet or exceed security industry standards.

Look for companies that hold gold-level certification from NSI. Gold-level alarm companies deliver the “greatest perceived value across industry and by the police, fire and rescue services, and insurers.”

Price

Protecting your home can require a sizeable investment. It’s important to know how much an alarm system is going to cost you up front and long term. When you’re researching burglar alarms, keep these three things in mind: equipment and activation fees, installation fees and monthly maintenance fees.

Companies usually provide different options—from buying equipment outright to leasing it on a monthly basis. Before you commit to an alarm system, identify both your monthly budget and the amount you’re willing to spend upfront. This will keep you from biting off more than you can chew in regard to overall system price.

Service

You rely on your alarm system to keep your loved ones and property safe, and you need the company you choose to provide top-notch service. Chances are you’ll interact with customer service multiple times throughout the lifetime of your security system.

To ensure the best service, we recommend thoroughly vetting the alarm company before signing on the dotted line.

Search online to find out what other customers say about reliability, responsiveness, and overall quality of service. Once you’ve narrowed down your selection, give your top choices a call to find out firsthand how you’ll be treated as a customer.

Police Response

If you want an alarm system with police response, professional monitoring by a regulated alarm company is required.

This means the alarm company has either National Security Inspectorate (NSI) accreditation or certification from the Security Systems and Alarms Inspection Board (SSAIB). This helps cut down on false alarms and ensures that police resources are used only for real emergencies.

Smart Home Features

Thanks to home automation, your burglar alarm system can turn your house into a smart home. Most security companies are starting to offer packages that include smart home technology that lets you control everything in your home—from the lights to small appliances—right from your smartphone, tablet, or computer.

If you want the extra security and convenience of home automation, look for an alarm company that offers smart home features. However, you should keep in mind that home automation may be an upgrade that will increase your monthly and upfront costs.

Mobile Access

Everyone is on the go these days, so you need to control your burglar alarm no matter where you are. With mobile access, you can manage your alert settings and preferences or remotely arm and disarm your system.

If you have a system with home automation, mobile access is granted through an app that you download to your mobile phone or computer. If your system includes CCTV surveillance, you may also be able to view live or recorded video from anywhere at any time.

Disclaimer

Amazon.com list price as of 19/12/2019 10:07 a.m. MST. Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply to the purchase of this product. Safewise.com utilizes paid Amazon links.

Certain content that appears on this site comes from Amazon. This content is provided “as is” and is subject to change or removal at any time.

The post The Best Home Alarm Systems in the UK appeared first on SafeWise.

Article source here: The Best Home Alarm Systems in the UK

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winfieldjcseemanja06insuran-blog · 5 years

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