الاثنين، 9 أكتوبر 2017
Why Buy a Sports Jersey When You Can Rent One?
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Why Buy a Sports Jersey When You Can Rent One?
Source Business & Money | HowStuffWorks http://ift.tt/2ya5OzO
How to Work with Brands: Learning the Ropes of Influencer Marketing
By Holly Reisem Hanna When I first launched The Work at Home Woman, I knew that I wanted to monetize my blog with traditional advertising methods and affiliate marketing. I also knew that I needed a lot of blog traffic to do so. So I decided to offer free giveaways and product reviews as part […]
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Debit vs. Credit: How to Earn Cash Back from Discover
Whether they prefer cold, hard cash or a thin piece of plastic, a large portion of Americans are still making purchases with some form of cash, not credit. In fact, 43% of Americans mostly use debit cards for daily purchases, while 63% of Millennials don’t even own a credit card!
This reluctance to use credit is leading some credit card issuers to now look into the world of debit card rewards. In late September, Discover launched a feature called Cashback Checking – a checking account that can earn up to $120 cash back per year.
While earning cash back on your debit card purchases may be enticing, it may not be the best decision based on your financial goals. Let’s explore the options using Discover as an example:
| Discover Cashback Checking (Debit Card) | Discover it® Secured Card – No Annual Fee (Credit Card) | Discover it® – Cashback Match™ (Credit Card) | |
|---|---|---|---|
| Earned cash back | ✔ | ✔ | ✔ |
| Signup bonus | ✖ | ✖ | ✔ |
| Cash back match | ✖ | ✖ | ✔ |
| No annual or monthly fees | ✔ | ✔ | ✔ |
| No security deposit required | ✔ | ✖ | ✔ |
| Reporting to all three credit bureaus | ✖ | ✔ | ✔ |
| Free monthly credit score | ✖ | ✔ | ✔ |
Discover Cashback Checking (Debit Card)
With the Discover Cashback Checking debit card, you’ll earn 10 cents per transaction on up to 100 eligible transactions per month. This means you can earn up to $120 in cash back per year by making debit card purchases, paying bills online, or writing checks.
Pros:
- No annual or monthly fees
- Rewards for everyday transactions
- Only spend money you already have
- No credit score required
- No interest on purchases since it’s cash
Cons:
- Cash back amount is limited
- No reporting to credit bureaus to improve score
- No signup bonus or cash back matching
Discover it® Secured Card – No Annual Fee (Credit Card)
The credit card is a great option for anyone who is looking to rebuild or establish credit. With the card, you’ll put down $200 to $2,500 to establish a line of credit. As a cardholder, you can take advantage of 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter, plus 1% cash back on all other purchases.
Pros:
- No annual or monthly fees
- Rewards for everyday transactions
- No credit score required
- Reporting to all three credit bureaus to improve score
- Security deposit refundable with responsible use
- Free monthly credit score reporting
Cons:
- Security deposit is required
- Interest accrued on balance not paid in full
- No signup bonus or cash back matching
Discover it® – Cashback Match (Credit Card)
If your ultimate goal is to earn rewards, then the credit card is one to consider. As a cardholder, you’ll earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases. What’s even better is that Discover’s Cashback Match™ program will give you a dollar-for-dollar match of all cash back earned at the end of your first year effectively doubling your rewards!
Pros:
- No annual or monthly fees
- Rewards for everyday transactions
- Dollar-for-dollar cash back match
- 0% introductory APR for 14 months
- Reporting to all three credit bureaus to improve score
- Free monthly credit score reporting
Cons:
- Credit score minimums required
- Interest accrued on balance not paid in full after 14 months
There are a lot of options when it comes to earning cash back from Discover. If you prefer to only pay with cash (or debit), then Cashback Checking is a way to earn a small amount of rewards. If you want rewards but also want to start establishing credit, or don’t want to be tempted to overspend, a secured card is the way to go since you can set your credit limit. And if your goal is to get as many rewards as possible, you’ll want to consider a cash-back specific card.
The post Debit vs. Credit: How to Earn Cash Back from Discover appeared first on The Simple Dollar.
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This Szechuan Sauce Recipe Is for ‘Rick & Morty’ Fans Shorted by McDonald’s
In Cartoon Network’s “Rick and Morty,” kooky scientist Rick takes his grandson Morty on adventures that sometimes transcend space and time. But the show’s cartoon world has merged with our own universe, and it all went down at McDonald’s this weekend.
Answering fans’ demands for the Szechuan sauce featured in the third season of the show (watch it, nerds), McDonald’s announced it would rerelease the promotional sauce from the late ‘90s for one day only: Saturday, Oct. 7.
Fans lined up. They waited. They tweeted to McDonald’s in complaint and to one another in commiseration. Packets of sauce were listed on eBay for ridiculous prices. In some cities, police had to step in to keep the peace after stores’ limited supplies ran out.
For Show and/or Sauce Fans, There Is Hope
But all is not lost for people who wanted a taste of nostalgia.
“Our super-limited batch, though well-intentioned, clearly wasn’t near enough to meet that demand,” McDonald’s apologized in a tweet Sunday.
“Szechuan Sauce is coming back once again this winter. And instead of being one-day-only and limited to select restaurants, we’re bringing more — a lot more — so that any fan who’s willing to do whatever it takes for Szechuan Sauce will only have to ask for it at a nearby McDonald’s,” the statement said.
The chain hasn’t announced a release date, as it is obviously planning this promotion and sweating bullets while you read this article.
In the meantime, you can actually make this sauce yourself.
How to Make Your Own Mulan Szechuan Sauce
For a few months, Reddit users have been upvoting a fan’s tribute recipe for McDonald’s Szechuan Sauce, which he developed somewhere between the fast-food giant’s sauce promotion for “Mulan” and its recent resurgence.
Here’s what it takes, according to user Xeropoint:
6 cloves garlic
4 tablespoons balsamic vinegar
Soy sauce (to taste)
2 tablespoons plum sake (optional)
3 ½ tablespoons Sriracha
2 tablespoons brown sugar
Red pepper flakes (to taste)
How much does that all cost?
Garlic cloves: $1.50
Balsamic vinegar: $2.68
Soy sauce: $1.44
Sriracha: $2.12
Brown sugar: $1.36
Red pepper flakes: $1.40
Plumb sake (optional): $7.99
Total cost: $10.50 to $18.49
OK, so it’s not a money saver if you’re starting from scratch. But what would you rather do? Go to McDonald’s with your family, spend about as much to only get a few packets of sauce and be done with it? Or make this tribute sauce at home, where you can enjoy it again and again?
No, seriously, don’t make me solve your time versus money questions. I can’t take the pressure. It’s your sauce, people. Get it however you can get it.
Lisa Rowan is a senior writer and producer at The Penny Hoarder.
This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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This Chain Will Help You Through Your Chick-fil-A Chicken Salad Withdrawal
Late last month, Chick-fil-A restaurants across the country sold their last chicken salad sandwiches.
According to TODAY, the decision to drop the menu item on Sept. 30 wasn’t easy, but the chain wanted to make room for new items in the future.
“We know that many of our customers loved our Chicken Salad, but we have also heard from guests that they are looking for new tastes and fresh flavors on the menu in our restaurants,” a company spokesperson wrote in an email to TODAY.
For those of you who are bummed that your chicken salad is a thing of the past, another restaurant chain, Chicken Salad Chick, has stepped up to fill the void.
The restaurants will let you try a free scoop of chicken salad if you visit a participating location by Oct. 14.
While most restaurants that sell chicken salad offer only a single version, Chicken Salad Chick restaurants have more than a dozen options, so you can find the perfect one for you.
Chicken Salad Chick opened its first location in 2008 and now has 51 restaurants. Most of its restaurants are in the southeast U.S., but they stretch as far west as the Dallas area and as far north as Greensboro, North Carolina.
Desiree Stennett is a staff writer at The Penny Hoarder.
This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Robots Are Already Taking Some of Our Jobs. Here’s Who’s Most Vulnerable
The robot revolution is upon us, folks, and those cold, calculating machines are already snapping up U.S. jobs and wages.
A new Pew Research Center study is chock full of statistics about just how much Americans fear automation.
But one stunning statistic truly stands out: 6% of workers have already lost their jobs or have experienced diminished hours thanks to robots. That’s about 9.3 million people if you consider the current employment situation in the country.
Ouch. It’s no wonder the study found 72% of people are worried about a future in which robots can do many jobs, as opposed to the others who are enthusiastic about the notion. (WHO ARE YOU PEOPLE?)
Pizza Hut may have a robot waiter, but this is happening sooner than we thought.
Robots Are Taking Aim at Young People’s Jobs
If you dig a little deeper into the numbers, something pretty surprising sticks out: Older workers aren’t the ones bearing the brunt of automation — it’s mostly young workers. You know, the dang millennials who are obsessed with having technology in the palm of their hands.
Ironic, eh?
Roughly 11% of those surveyed between the ages of 17 and 25 said they had hours reduced because of a robot worker, computer program or other machine. And 6% said they had lost their job due to new technology.
“Although they comprise a relatively small share of the population, these workers who have been impacted by automation express strongly negative views about the current — and future — impact of technology on their own careers,” the Pew report states.
Still, the study also found a sort of not-my-problem hubris, with 70% of respondents saying it was not likely that automation would take their job.
Don’t Freak Out Just Yet About Robots Taking Jobs
We don’t want to be too alarmist, because there is evidence that the nature of work will simply evolve over the next decade, leaving room for meatbags to continue dominating the workforce.
In fact, a report from Dell and the Institute for the Future finds that 85% of the jobs humans will do by 2030 haven’t been invented yet.
And if you happen to have a career in health care (an awesome field for those with just an associate degree), education or legal services, your job is likely safe from robots.
But here at The Penny Hoarder, we always want you to be better safe than sorry.
What You Can Do When Robots Come Knocking for Your Job
Retail jobs are unfortunately some of the most vulnerable to automation, according to a 2013 Oxford University study.
But if you find yourself on the losing end of a robot-human career showdown in that sector, there are several steps you can take to make sure you are compensated, and earn some extra cash to cover your bills while you hunt for a new job.
In the meantime, you can also tap into a few resources to help you find the skills you need to compete as the economy evolves. These include your local workforce training organization, community colleges or technical schools, labor unions and even your neighborhood library.
From a public policy standpoint, economists and Silicon Valley CEOs have expressed support for a universal basic income — a guaranteed level of income paid to everyone in society — as robots move into human careers. Hawaii is already flirting with the idea.
Now that you have the scoop, instead of fearing our new robot overlords, just prepare to defeat, er, work with our new metallic colleagues.
Alex Mahadevan is a data journalist at The Penny Hoarder. He’s not worried, because even robots don’t want to go into journalism.
This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Don’t Wait: Here’s How to Get a Low-Cost or Free STI Screening
Wouldn’t it be nice if we could hire a stand-in for the boring or uncomfortable parts of being an adult?
I’d love to send a doppelgänger in my place for haircuts, dental visits and yearly checkups at my doctor.
Unfortunately, life doesn’t work that way. You pretty much have to show up and bring your necessary body parts with you.
Most of us know the importance of yearly mammograms, cervical cancer screenings, prostate exams and other medical tests that involve doctors getting into our personal space.
But there’s another category of tests many adults should have yearly or as lifestyle changes warrant: screening for sexually transmitted infections.
Common STIs like gonorrhea, syphilis and chlamydia are on the rise. More than two million new cases were reported in 2016, the highest number of cases ever reported in the U.S.
If you’re not sure whether or not you need STI (also known as STD) screening, check the testing recommendations from the Centers for Disease Control and Prevention.
Don’t assume that you don’t need to be screened if you aren’t sexually active. The CDC recommends “all adults and adolescents from ages 13 to 64 should be tested at least once for HIV” because HIV can also be spread through non-sexual contact.
Where to Get Free STI Testing
Many health insurance plans cover the cost of STI screening. If yours doesn’t, here are three ways to get screened.
1. Medicare and Medicaid
If you qualify for Medicare Part B, you’re eligible for free STI screening once every 12 months and at certain times during pregnancy.
Medicare also covers up to two private, face-to-face counseling sessions with at-risk sexually active adolescents and adults, if referred by a physician.
Medicaid coverage varies by state.
2. Planned Parenthood
Planned Parenthood locations around the country offer STI screening services on a sliding fee scale, based on your income, household size and other variables.
Find a health center near you and call for details.
3. Your Local Wellness Clinic or Health Department
Search the CDC’s online database of testing centers to find a location near you.
What to Know Before You Go
“Routine STI testing is usually limited to chlamydia, gonorrhea, HIV, syphilis, and hepatitis, with genital herpes and the parasite trichomoniasis only tested for if you come in with symptoms and human papillomavirus (HPV) tested for during your routine pap smear (there’s no screening test for men),” explains Bustle’s sexual health writer Emma Kaywin.
If there’s a particular STI test you want that’s not part of the standard panel, speak up and let the clinician know.
If you’ve never had an STI screening before, the American Sexual Health Association has an overview of what to expect for each type of test.
Lots of people are nervous before STI screenings and that’s perfectly normal.
“The idea of getting tested may seem scary, but try to chill out,” recommends Planned Parenthood. “Most common STDs can be easily cured with medicine. And STDs that can’t be cured often have treatments to help you with symptoms and to lower your chances of giving the STD to anyone else. So the sooner you know you have an STD, the faster you can start taking care of yourself and your partner(s).”
Lisa McGreevy is a staff writer at The Penny Hoarder. She believes sex-positive advocacy saves lives.
This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Questions About Job Hopping, MLM, Jury Duty, Reliable Brands and More!
What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question.
1. Sell house as-is?
2. Car repair problem
3. Is job hopping necessary?
4. MLM “friend”
5. Throwing away stuff with value
6. Reading to children
7. Scary junk mail
8. Reliable brands too expensive
9. Jury duty question
10. Safely switching primary credit card
11. Disaster question
12. Days where I resist change
About a week ago, I had a dinner table conversation with my children about making bread. We talked about how the yeast makes the bread rise, which is what causes the “holes” in bread – it’s literally gas produced by the yeast.
The next question was inevitable: “where does yeast come from?”
Well, the yeast you buy at the store is grown in a factory lab. When you buy it, it’s been prepared in some way to make it easy to use in baking.
“Well, where did they get it from?”
Well, originally, they presumably got some from the environment around them and started growing the right kind of yeast by feeding it. There is yeast all around us, after all.
This fascinated them. Yeast everywhere, huh?
This led to the next question: why don’t we just use our own yeast? Well, you can, but it’s tricky. If you want to go down that route, the best route is to make sourdough, which is a mix of the natural environment’s yeast and bacteria that eventually builds into a stable colony that you can keep reusing.
And, with that, they were off to the races. We decided to make our own sourdough starter from scratch.
The starter is currently several days old and sitting on our kitchen counter. I’ve done this a few times and so I know that during the first week or two, it evolves through a lot of different phases, with very different smells and textures. It often has a phase that smells like citrus fruits. There’s usually a “dirty sock” phase that makes you wonder if something has gone wrong with it. Sometimes it’ll take off immediately – other times, it’ll seemingly do almost nothing at all for a week.
The thing is, if you give it some time, it will usually stabilize into something that smells pleasantly sour, and that’s when it’s great to use for bread. We haven’t reached that point yet.
In fact, last Thursday morning, it was right smack in the middle of the “dirty socks” phase and everyone was wondering if we should just throw it out. Nope, let it keep going. It’ll change. And it did.
This morning, though? It’s getting close. It smells pleasantly sour. If it smells like this for the next day or two, we’ll be making some bread soon from our own new starter.
Q1: Sell house as-is?
I want to sell my house but the updates are overwhelming and very expensive. Honestly, my rescue dogs have destroyed my house. Should I fix or just sell “as is.” The property is very desirable in my area. We are on 5 acres of protected land and the house is only 30 years old.
The house was purchased at the height of the market and is not worth what we paid for it. We want to get something much smaller (actually rent and not buy) and get rid of this huge mortgage payment and additional house expenses.
Pool needs to be redone
landscaping (backyard)
deck replaced (really falling apart)
floors
carpets
painting (inside and outside)
Would love to hear back from you with some suggestions.
– Alice
Without knowing what state your house is in exactly and the state of your local real estate market, it’s hard to really suggest what you should do. Honestly, I would ask around your friends for a good real estate agent, bring them in, and get their input on it.
The thing to remember is this: you’ll probably only get more out of it than you put into it if you add a lot of sweat equity. If you’re willing to do a lot of work yourself to update and fix up your house, you’ll probably recoup your cost and add some value. If you hire people to do it, you probably won’t recoup much value at all, so it’s likely not worth it.
From what you’ve written, you don’t want to tackle this work. If it’s something you’re resistant to, then you’re probably better off selling as-is.
Q2: Car repair problem
The starter on my husband’s car is failing. It takes ten or so turns of the key for it to start most of the time. It’ll make a sound like it’s almost starting and then just not start.
He says this is a reason to get a new car, but I don’t see why we don’t just get the starter replaced. He says when something goes wrong, soon everything will go wrong and talks about planned obsolescence. What do you think?
– Maxine
My philosophy is that you should keep driving a car until the repair bill to fix all of the serious problems exceeds the value of the car. That’s the general rule I use these days.
In general, a starter alone costs about $500 to replace. A mechanic with the right equipment can replace one fairly quickly on most cars and the part isn’t incredibly expensive.
Now, compare that to the value of that car. Would you be able to sell that car for more than $500? If so (and this is almost certainly true), you’re better off just fixing the starter and continuing to use it.
Planned obsolescence generally doesn’t occur in competitive industries these days because doing so will make your product seem like utter junk compared to the competition. Cars today generally last well into the 200,000 mile range, and many last far beyond that.
I would almost certainly just repair the starter in this case.
Q3: Is job hopping necessary?
Most of the job guides I see for recent graduates in STEM fields is that you absolutely must job hop in order to make a good income. The problem is that the part of employment I hate the most was the applications and interviews. I just did that and it was awful and I would prefer to never have to do it again. But then I worry that I am costing myself a ton of salary by not job hopping. Thoughts?
– Stephen
Here’s the thing: a lot of the time, people jump from job to job without really formally going through the interview process. They might do it as a matter of formality, but quite often, the hiring decision is made elsewhere. It’s made because the company knows of your work and wants you. It’s made because you have a friend at that other company. It’s made by talking to social media contacts or knowing people at local meet ups.
The best way to job hop in the modern era is to simply be involved in your professional community and have a useful skillset. Get involved in local professional groups. Participate in social media in career-oriented ways and be helpful. Start a blog and share professional insights that you have. Go to conferences and conventions. Make it your goal to know lots of people and build lots of relationships. Invest the time to strengthen those relationships by helping people when you can and staying in contact with them.
What you’ll find over time is that opportunities fall into your lap, and if you suggest that you’re open to opportunities, they tend to fall pretty quickly. If you appear to be a person that will help a team succeed, people will want you.
In other words, if you invest time and effort into your career, you will likely be able to “job hop” without going through stressful interview processes.
Q4: MLM “friend”
One of my oldest friends has been bitten by the “sell to your friends” bug. She basically spends a lot of time lately spamming her friends to buy makeup from her and views herself as a “business owner.” I have no interest in the product and I think the whole thing is a scam and I want her to stop bugging me about it and be my friend and stop treating me like just another client to make a buck off of. What do I do?
– Denise
People who are hooked on MLM schemes (think Mary Kay, Amway, Pampered Chef, etc.) are typically just following the business plan they’re given. They’re taught, as part of their orientation, to use their social media channels to sell. They’re taught to target their friends to sell. This is what they’re told to do, and they’re usually not given any indication that there will be negative pushback from friends.
Part of the reason that people “get away” with this is that it is very hard to tell a friend to back off when they’re really enthusiastically selling a product to you. This is because MLMs, at their core, take advantage of friendships.
My suggestion? Just brush these pitches off until your friend figures out that MLM won’t make her rich unless she’s at the top of the pyramid. A conversation about it when your friend is a true believer almost always won’t end well, so just let it pass and be there when it ends.
Note to other readers: your friends don’t want to be sold to. If you think they do, they’re just being polite to you.
Q5: Throwing away stuff with value
Trying to downsize my stuff but I run into what I call the “little value” problem. I have something that I could probably sell for $0.25 or $0.50 at a yard sale. I have no use for it and don’t want it any more. The weather isn’t conducive to yard sales for another six months. Do I just throw it away? Now, multiply this by 100 times. Do I just throw away $25 or $50?
– Carrie
For me, it depends on what the thing is. Is it one of many very similar items, like a DVD or a book? In that situation, I’d make a huge list of them, post it on Craigslist, and sell them for a quarter each (or 5 for a dollar!).
If the items are really small, I might just get a tub and put all of those items in there to sell at a yard sale in six months, then store that tub in the corner of the garage.
However, if it’s a big bulky item that isn’t worth the effort to list on Craigslist individually, I’d toss it. The amount of effort you’d have to put into selling it for $0.25 or $0.50 is not going to be worth it.
Q6: Reading to children
What do you read to children as they grow older and are kind of outgrowing “bedtime stories” but still like the routine of it? My kids are too old for picture books and a lot of the chapter books for their age aren’t very good – you can just feel that they were cranked out as fast as possible.
– Charlie
This question will be touched upon again in a post I’m planning for later in the week, but it’s worth covering on its own.
My oldest child is a preteen and my two younger ones are in the middle of elementary school years and they still all love bedtime stories, perhaps more for the routine of it than anything. The thing is, it almost doesn’t matter what I read to them.
Lately, we’ve been mixing two things. We read books that are probably just a bit above the level of the oldest child in terms of reading ability so that we can get into some thoughtful material. When we do this, and read it just a chapter or a section at a time, they can all follow it. I also read some really great short stories – truly classic stuff like The Lottery – and we talk about them, either right then or in the morning.
In the last month, I’ve read them some philosophy, read a good news article from the New York Times, read chapters of a novel, and read a couple of short stories to them at bedtime. I now mostly just read interesting stuff that will make them think, and I look for it all the time.
Q7: Scary junk mail
How do people get away with sending junk mail that looks like a bill or a legal notice? Some of them are clearly junk but other ones really look like a legal notice and if you don’t read it carefully you’re going to end up paying some company for a service.
– Tom
Here’s the thing: real mail that actually matters doesn’t go out of its way to look official and scary. It doesn’t blast “FINAL NOTICE!” on the envelope. Mail that matters tends to come in plain envelopes with a real postmark on them – or, in the case of a normal bill, the envelope might seem like a mild ad for the company at best.
In general, I toss anything that has a “presorted” postmark and anything that uses fake handwriting on the envelope. Those are definite signs of junk mail. I generally open everything else.
If something looks like an OFFICIAL NOTICE and I don’t know exactly what it is, I independently do some research on my phone and figure out whether it’s garbage or not. It almost always is, but I check. I don’t call any numbers on that piece of correspondence.
This eliminates virtually all of my junk mail.
Q8: Reliable brands too expensive
I agree with you that over the very long term that buying reliable stuff is the right way to go but often the most reliable stuff is so expensive that most people can’t realistically buy it.
Take really good sturdy socks. They cost $20 a pair and last for twenty years. You can get a pair of cheap socks at the dollar store for $1 each that last for six months. Obviously over the long haul the expensive socks are better. But when you make minimum wage, a $20 pair of socks is utterly stupid.
We need advice on stuff that’s realistic. What’s the cheap stuff that’s actually decent, not the expensive stuff that’s the best?
– Harry
People who write in asking about the most reliable version of an item are generally ones who are willing to invest in something just to never have to worry about it again, or at least not worry about it for a long time, and ideally because of that their cost per use is pretty low even after an up front purchase.
So, let’s look at this sock example a little bit. I’ve often recommended Darn Tough Socks here because I wear them myself. They’re almost indestructible. I’m gradually shifting over to just wearing those socks all the time, but that’s because, as I throw away a few pairs of old ragged socks, I can afford to replace it with a good pair that’ll last until I’m 60. As you point out, if you have the up front money, you can invest in stuff that will last and end up having a lower cost per use over the long haul.
But what about when you can’t afford that up front investment? One way to do it is to do it slowly. Rather than replacing all of your socks at once, when you find yourself getting low, buy one bag of cheap socks and then just one pair of really good socks, and put them in regular rotation. The next time it happens, do the same. Eventually, all of your cheap socks will be gone. You don’t need to go buy a ton of $20 a pair socks.
Another way is to do it via gifts. My family, at least, is very big into gift lists, particularly on Amazon, as a way to get an idea of what kind of things we’re interested in. We get creative with gifts sometimes, but we use our respective lists as a basis to get started. Load yours up with practical high quality things like, well, a pair of really good socks. That way, when you receive it as a gift, it does feel like something cool and special, but it’s insanely practical.
My final piece of advice is to just stick on the cheap side with most stuff. Most of the stuff I buy at the store is store brand. I basically only invest significant money into stuff I know I’m going to use again and again and I realize that it’s very likely that I’ll save money and time over the long term by investing in it now. When it comes to most things, I’m better off just sticking with the cheap stuff.
There’s no shame in a bag of dollar socks – they’ll work for a while and then wear out. The cost per use really isn’t much more than a pair of really sturdy socks, especially if you’re not too hard on them.
Q9: Jury duty question
What happens to you if you don’t call for jury duty or forget about it?
– Daniel
First of all, not following procedures for jury duty is technically illegal. Doing so makes you in contempt of court, which can result in fines and possibly even jail time.
However, it is generally not worth the hassle for the court system to track down someone who forgot to call a number one day. If you forget once, they generally don’t do anything to you. Usually, you’re just put back into the pool of potential jurors and your name often comes up again fairly soon.
Note that this isn’t a guarantee. You are breaking the law by not following up with jury duty.
The problem here is intent. If you forget to call once, it’s pretty hard to demonstrate that you were intentionally skipping jury duty. You probably just made a mistake.
However, let’s say your name comes up again in the pool, and you don’t call again. And then this happens a third time.
At this point, it begins to look like a pattern, and it begins to either look intentional or neglectful. That’s the point at which the judicial system might start looking at you in terms of contempt of court.
My recommendation? If you forget to follow the procedure for jury duty, contact the court system as soon as possible and simply tell them that you forgot to do it. They’ll usually just say “Okay, but don’t forget again!” and then put you back into the pool for the next round of jury duty.
Q10: Safely switching primary credit card
I have always used just one credit card because that minimizes bills and makes it easy to manage. I have a card from Chase that used to have really good points rewards but the points are getting worse and worse in terms of what you can get with them. I am ready to switch cards and I have identified a new card to get.
What is the best way to do this? Do I simply apply for another card? Should I transfer the balance immediately and close the old card? I don’t want to keep using two cards.
– Nancy
In your situation, I’d apply for the new card and then, upon acceptance, transfer the balance if you have a 0% balance transfer offer available on the new card.
At that point, your old card should have no balance on it. I wouldn’t cancel it, though. Instead, I’d put it up somewhere and just let it ride for now. The reason is that this older card is important in maintaining your credit score, at least for a while, as it is helping to establish that you have a long positive credit history. If you close that card, you’re choosing to shorten your credit history – and it’ll probably be very short, given that you just have a new card.
So, just keep the old card open for a couple of years, but don’t use it. The bills should always have a zero balance on them, so it’s no problem. At that point, it should be fine to close it if you prefer to do so.
Q11: Disaster question
We live along the Atlantic coast and haven’t had to evacuate during a hurricane ever. However we do see that this is a possibility and are appropriately insured. My question is what documentation should we take with us should we ever have to evacuate?
– Damon
I’d want to have passports, birth certificates, marriage licenses, any deeds to significant property, proof of insurance (health, life, homeowners), any professional licenses and certifications, vaccination records (especially for pets), drivers licenses, Social Security cards, recent tax returns, and an inventory of the contents of your home with photographs.
I would suggest centralizing those documents all in one place now so that they’re easy to grab if needed. I’d also suggest scanning these documents now so you have a digital copy of them somewhere offsite that’s secure.
How should you store them? I’d put all of those documents in a few large Ziploc bags that are watertight – maybe even double-layer them – and put a few silica packets inside to ensure that they aren’t damaged due to humidity or water. I’d then put those bags inside a small fireproof safe, and put that safe in the back of your closet.
Q12: Days where I resist change
So here’s the problem. 28/30 days of the month I am completely on board with financial change. I spend little and everything goes well. 2/30 days of the month, I am just frustrated and sick of it and I don’t have any patience and I want to splurge and feel good so I go off and spend a bunch of money like a fool and then I get up the next morning and regret it. Usually I’ve reversed all of my good work for the rest of the month. Don’t know how to break the cycle.
– Joseph
This honestly sounds a lot like a person on a diet who is struggling with binge eating. You diet really well for two weeks, then eat an entire deluxe extra large pizza and wash it down with two liters of Mountain Dew.
My number one recommendation for you is to actually budget for those binge days. Right now, start accounting for those days where you’re going to spend foolishly. Make it a part of your budget and leave money set aside for those days.
Then, on those days when you get up and feel frustrated and want to splurge, you can do so. You have that freedom and it’s not going to wreck your life.
Here’s the funny thing, something I’ve noticed in my own life: budgeting in that way, with some flexibility for days when you want to spend a little, seems to just kill my desire to do it. The idea that I can splurge whenever I want without breaking my budget makes the whole idea of splurging seem a lot less appealing.
I think it’s the difference between wearing a really tight belt and wearing a comfortable belt. They both do the job of keeping your pants up, but one of them is restrictive and you can’t wait to take it off. The other is comfortable. You don’t mind it. You even get used to it.
The best part? Although you should always have some flex money around for those challenging days, you can always reincorporate unspent flex money back into your financial goals in the form of an extra debt payment, should you decide not to spend it. The point is that you’re free to do it either way and you’ll still succeed, which feels very empowering.
Good luck!
Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. I’ll attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours.
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How to Create a Customer Journey Map That Converts
What strategy is your company using to improve the customer experience?
Hopefully, you’re taking multiple approaches to enhance your customer service department.
Here’s the trick.
Are you looking at the customer experience strategy from an internal company viewpoint?
Or are you trying to see the customer’s perspective?
Journey maps help you get inside the mind of today’s customer.
That’s why these tools are super effective and can ultimately boost your sales.
What’s a customer journey map?
Essentially, it’s a story.
It details the experience a customer goes through from their initial contact with your company to a purchase.
The map also outlines and explains the procedure of managing the customers as they form and develop a lasting relationship with your business.
Now, look, it’s nearly impossible to outline every single step a customer takes during this process.
That’s not the goal of the journey map.
You need to identify the most important avenues that would cause customers to behave a certain way or take a specific action.
Create a timeline with digital touch points throughout each phase of the map.
Try to incorporate the thoughts, feelings, and emotions your customers may have throughout their personal journeys.
Understanding how your customers feel throughout each phase will help you improve conversion rates and retention rates.
Ultimately, this will help you to:
- enhance the overall customer experience
- increase sales
In this post, I’ll show you how to create a customer journey map for your business.
Identify the point of view of your customer
Again, we want to look at these maps through the eyes of your customer.
This may be difficult to comprehend at first.
Try your best to take a step back from the process that works best for your company and get inside the mind of the consumer.
Here’s an easy example.
For practical purposes, let’s say you own a restaurant.
You could create a journey map for lunch and dinner customers or create a map for your catering customers.
Yes, both of these types of customers are important.
But they will likely take very different paths from initial contact to final sale and relationship management.
One map does not apply to all customers.
Here’s an example.
This map creates the profile of a woman who needs a phone and Internet service.
The map above identified 4 phases of the customer’s journey:
- Inquiry
- Comparison
- Purchase
- Installation
While in reality the customer may take more steps throughout the process, this map outlines the most important parts.
We go from initial contact to installation.
Look how the company identified the viewpoint of this customer.
The customer is moving.
The map for this customer looks different from the map of a customer who needs phone and Internet services because they are unhappy with their current provider.
Do you understand the difference?
Depending on your company’s structure, services, and industry, you may need to create multiple maps to truly understand your customers.
Let’s continue with the customer profile above.
She’s moving.
So the customer may feel:
- Overwhelmed
- Anxious
- Sensitive to price
While a customer who isn’t moving, but is simply unsatisfied with another company, may not have the same feelings.
For example, they may not be as overwhelmed.
This customer may not be as price sensitive either.
In fact, they may even be willing to pay more if they can get better service.
The first step of your customer journey map process is identifying which customer point of view you’re going to outline.
Improve information gaps between departments
The customer journey map is a great opportunity for different departments to work together.
Your lead and development team needs to be part of your strategic operation process.
I’m amazed by how many companies thought that their lead and development department was lagging in certain aspects of the business.
This problem starts at the top, with ownership and management.
Don’t let your company fall behind.
Include representatives from every department in your meetings while you create a customer journey map.
Here’s why.
Sharing information about the customer experience can help eliminate instances where the customer gets frustrated.
In isolation, your marketing department may have improved acquisition and retention rates from previous years.
The accounting department says sales are good and revenue is up.
Your software development team has optimized your website for mobile devices.
So as a manager, you think everything is operating smoothly, right?
There’s always room for improvement.
Bringing these departments together while you build a journey map will help everyone identify flaws in your system.
Analyze the customer behavior
To determine why your customer takes a certain action, you first need to figure out what those actions are.
How do customers behave on your website?
You may know your click rates, subscription rates, and conversion rates, but you can take this a step further when analyzing their behavior.
Services like Crazy Egg can help you figure out where the visitors on your website are spending their time and improve those areas.
You can use critical information like this when you’re creating your journey map.
It will help you put yourself in the shoes of the customer as they navigate your website.
Making the proper changes can help improve your conversions and boost sales.
You can also use Google Analytics to generate a behavior flow report.
Here’s a quick step-by-step process for accessing these reports.
Step #1: Navigate to the “Behavior” menu in the “Reporting” tab.
When you click the Behavior button, you’ll see a drop-down menu.
Navigate to “Behavior Flow” to get started.
Step #2: Choose how you want to view the report.
Go to the “Site Section” menu and choose from the following options:
- Automatically Grouped Pages
- Events
- Pages and Events
The reports will show how the traffic flows on your website.
You’ll get to see connections and exits, which help you analyze the behavior.
Your content grouping page will show all the points grouped by certain rules or tracking codes.
The events report will analyze something specific on your website, such as a download or video play.
Pages and events allow you to analyze a single page or an assortment of pages on your website.
Step #3: Analyze the behavior in each report.
“Nodes” are the points on your page where traffic flows.
Anything that’s green is a page node, and the blue sections of the reports are event nodes.
The connection shows the path from one node to the next.
You can use these tools to help you analyze your customer behavior while you’re making a journey map.
This process works well with the previous point about getting all of your departments involved during this discussion.
Understanding the customer behavior on your website can help you determine areas where the customer is getting frustrated.
Use this information to make the necessary improvements.
Build your customer journey map
Now that you’ve gotten inside the mind of your customer, met with all of your departments, and analyzed the customer behavior, it’s time to build the map.
There are tons of different ways you can do this.
You could write it out by hand, use a whiteboard, put sticky notes on a wall, or use some kind of graphic design software on your computer.
Another option is using software that’s specifically designed for building a customer journey map, like SuiteCx.
SuiteCX is all about improving customer experience.
Their customer journey mapping tools can help make sure you don’t skip any steps in this process.
The software is really easy to navigate, and the visuals are a great way to comprehend the information.
Here’s a quick step-by-step guide of their platform.
You can still apply these steps to any software you’re using, even if it’s not SuiteCX.
Step #1: Start by brainstorming.
Brainstorming is a great way to create better content for your customers.
Start at the beginning.
How does the customer walk through your doors? Or get to your website?
The brainstorming area allows you to put your thoughts down.
The example above shows some lead generation options for a medical clinic.
Remember how earlier we said your journey map doesn’t need to include every single component of the journey?
For example, the clinic may decide not to include brochures in gyms into their journey map.
These leads probably aren’t as prominent as doctor referrals and their landing page.
Step #2: Organize the leads.
The SuiteCX software lets you drag components from your brainstorming list directly onto a map.
From here you can build an arrow from one part of the map to another.
You can include notes for each step of the process that focuses on the customers’ thoughts and emotions.
Use the information you found earlier about the customers’ mindsets and behaviors.
Make sure all of your departments are present during this process so that you can minimize information gaps.
This will ensure your map is more accurate and effective.
Step #3: View a graph of your plan.
The graph will help you analyze and plan any changes you’re implementing to improve the customer experience.
First, you’ll see their current journey.
Next, you can plan how to implement the changes you’ve identified.
You may need to ease into this to avoid completely shutting down your conversion methods during a transitional time.
Finally, you can project and implement the optimized map.
Step #4: Outline the customer’s physical journey (if applicable).
This tool is perfect for businesses with retail locations.
Map out the physical steps your customer will take as they step through your door.
What does the customer see?
How will you generate a sale based on your current layout?
It’s a great opportunity for you to analyze your store.
Step #5: View the finalized version of your maps.
Yes, maps. Plural.
Remember earlier I said different customers would take different journeys?
You need to have a map for each customer.
The illustration above shows a great example of segmenting your maps by demographic.
Millennials’ first form of contact is through Google AdWords, while Boomers get contacted through direct mail.
Boomers will pick up the phone to call for more information, while the Millennials will go to your landing page.
Each map is different, but the end result is the same.
Conversions and increased sales.
Make sure the finalized version of each map is available to everyone in your business.
They need to understand the importance of each step of the journey.
Conclusion
Journey maps help you get inside the minds of your customers.
They outline and explain the different steps a customer could take throughout their experience with your business.
It starts with the initial point of contact, goes through the conversion process, and continues through the customer life cycle.
Identify the viewpoint of the customer before you create a map.
If you’re building multiple maps, you’ll have to do this more than once.
Next, analyze the customer behavior.
There are ways you can track customer habits on digital platforms.
You can use tools like the heat map from Crazy Egg or the behavior flow reports from Google Analytics.
This will help you gain a better understanding of each step your customer takes throughout the process.
For example, 47% of buyers view 3-5 content pieces before contacting a sales representative.
Build your map.
Consult with all the department heads in your company.
Bringing everyone together to meet about the customer journey will help ensure there aren’t any information gaps causing customer frustration.
Once those gaps get identified, you can all work together to come up with a solution that improves the customer experience.
Ultimately, your sales numbers will grow as you enhance the overall customer experience.
What tools will you use to get inside the minds of your customers and create your first journey map?
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True money stories from smart people: Tot up your tat to make a quick buck
Do you ever find yourself mentally totting-up how much your inherited bits of valuables might pull in if ever you needed to sell them?
Maybe a few thousand for that wonderful armoire that’s been in the family for a few generations or even more for a fantastic silver tureen and cutlery caddy?
Well, just get the facts and figures first before you try to liquidate these ‘assets’. You could be surprised.
We recently surveyed our MoneyMagpie readers about how much they had pulled in when they sold their ‘valuables’ to bring in some cash and the results weren’t joyous. Three in four of them had flogged something old online to make a quick buck without knowing how much it was worth, while one in three admitted they could probably have got more with the right research. Some Lovejoy types must be rubbing their hands with glee.
But the problem is that we really don’t know what our possessions are worth because their value keeps changing and things that you thought would see you comfortably into your old age can end up costing you money to get rid of.
Who would have thought 30 years ago that the beautifully-carved, oak furniture made by top craftsmen would be as popular today as a pork chop at a Bar Mitzvah? Cut glass goblets might as well hold your dentures for all the worth they now have. As for china, the Limoges table service sets that used to be the very definition of what you use ‘for best’ have now been pushed off the shelf by competition from new ranges by IKEA, Next and M&S, for goodness sake.
“People nowadays don’t learn history so they’re not interested in genuine antiques anymore,” grumbles an antiques dealer from London’s Gray’s Antiques. “It’s vintage they want – anything from the 1950s onwards.”
It’s true. A recent report by classified website Gumtree finds that the items in our homes that could give us a comfortable retirement are not the silver candlesticks from Great Grandma but the plastic bits of tat in the playroom, such as Power Rangers Dino Charge, Harry Potter Lego, and Bratz, as well as first edition Game of Thrones books or board games such as Jumanji. It’s also the gadgets about the home, such as your Dyson Supersonic hairdryer, your Amazon Echo (does yours even work?) and your Emma Bridgewater portable radio.
It’s nostalgia that sells nowadays, and is likely to do so later on. Not nostalgia for ancient times that we never knew, but for childhoods that we wanted and never had.
I was recently commissioned by Gold TV to work out how much the assets of Delboy and Rodney of Only Fools and Horses would be worth now, and I found that Uncle Albert’s silver cigarette case from the Zulu war was worth the same as Delboy’s 1981 plastic Casio watch: £150. The History Boys would be horrified – it seems that if we didn’t experience it, it’s not historical or valuable anymore.
I blame it on eBay. That site has enabled people around the world to indulge their passions for all things tat, giving a value of thousands to an item that any sane person would consign to the bin once they’d fished it out of their Cornflakes. Like a 1985 Star Wars Yak Face (boxed) which, to my mind, should grace the shelves of the local charity shop, but sold for £57,500.
Personally, I don’t collect anything, apart from dust… and compliments, obviously. But I get a twinge of regret at my regularly ruthless decluttering exercises when I hear of ancient old laptops selling for hundreds to the new breed of collector, or nasty 1980s-style plastic earrings being passed off as ‘vintage’ now. Aargh - I could have cleaned up!
I’m also conflicted about collecting as an investment strategy. I know that a collection can be a genuine retirement fund if you get it right… and yet, the minimalist, stuffocated, thrower-outer in me rails against the very idea of glass cases full of Buffy dolls and Luke Skywalker figurines, even though I know they could outperform the stock market over the next 20 years. Lego creations already have. In the last 15 years, the average value of a Lego set has gone up dramatically with "pristine condition" sets appreciating 12% a year.
So, with a world-weary sigh I say get your valuables valued and, while you’re at it, get your tat on the table too, because chances are, in this topsy-turvy world, your tat will out-bid your Chesterfield table by 50 to one.
Jasmine Birtles is a financial journalist and founder of MoneyMagpie.com. Email her at columnists@moneywise.co.uk.
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Eight Questions to Ask Yourself Before Investing in Anything
There’s no shortage of investment recommendations out there.
Your family members have opinions. Your friend that works for that financial company has suggestions. The internet is full of articles claiming to know what you should be investing in.
With all of that input, how do you decide whether any individual investment is worth your money?
You get your cynic on and you ask a lot of questions. That’s how.
Here are eight questions to ask yourself before investing in anything.
1. What Are You Investing For?
It’s easy to hear someone talk about a particular investment and get caught up in the excitement of making a lot of money. Who doesn’t love a hot tip?
But it’s helpful to take a step back and remind yourself what you’re really investing for. Because the goal is never to beat the market or even to maximize your return.
Your goal is personal. You want to retire with enough money to travel. Or you want to send your kids to college.
Whatever it is, your real goal is simply having a certain amount of money by a certain date so that you can do something important with your life.
Keep your focus on that goal and always remember that any investment you choose should serve that goal and nothing else.
2. How Are You Feeling as You Consider This Investment?
Investing is never going to be completely emotionless. There are a lot of ups and downs and it’s impossible to keep your cool through all of it.
But you should, to the best of your ability, avoid making any big investment decisions when your emotions are running high.
So, as you consider any particular investment, ask yourself how you’re feeling. Are you scared? Exhilarated? Anxious? Confused?
The stronger your emotions, the better off you are sleeping on the decision and waiting until you can think with a calmer mind.
3. Do You Understand This Investment?
Never invest in anything you don’t understand.
Seriously. Just don’t.
The best investments are often the simplest. Many financial professionals would like you to believe otherwise, but complicated investments typically have higher costs, lower returns, and more unintended consequences.
Keep it simple. If you can’t explain how the investment works in a minute or less, you should walk away.
4. How Much Does This Investment Cost?
Cost is the single best predictor of future return. The less an investment costs, the more likely it is to provide superior returns.
Which means that you should be doing everything you can to minimize the cost of your investments.
This is another reason to avoid investments you don’t understand. Complicated investments usually have a lot of moving parts, and moving parts usually lead to hidden fees that devastate your returns.
You can learn more about the various costs to consider here: Eight Investing Fees to Watch out For.
5. How Does It Fit in with Your Other Investments?
No investment decision should be made in isolation. No investment is “good” or “bad.” What matters is how it fits into your overall plan and how your entire portfolio of investments works together to help you reach your goals.
For example, your employer might offer you the opportunity to buy employer stock at a discount. That sounds like a no-brainer on the surface, but there are some other factors you need to consider:
- How will buying employer stock affect your overall asset allocation?
- Will buying employer stock tie too much of your financial future to the fate of your employer?
- What adjustments would you have to make to the rest of your portfolio to counterbalance those things?
- Will those adjustments cost money? Are they logistically difficult? Are they even possible?
Your objective is not to pick a bunch of good investments. Your objective is to build a portfolio of investments that work together to help you achieve your goals.
An investment is only worthwhile if it fits within that portfolio.
6. How Easily Can You Get Out of This Investment?
Switching mutual funds within a 401(k) is easy. There are almost never any trading fees and there are no tax consequences, so getting out of a bad decision is simple and usually cost-free.
Getting out of an investment within a taxable brokerage account can be trickier. The logistics are usually simple, but there are often trading fees and taxes to consider.
Getting out of something like whole life insurance can be a nightmare. Unless you’re many years in you will almost certainly lose money on the investment, and even if you make money you’ll likely owe taxes and maybe even surrender fees.
You shouldn’t be making frequent changes to your investment strategy, but you don’t want to unnecessarily lock yourself into anything either. Before you put your money into any individual investment, you should ask whether you’re able to get out and how much it would cost you.
7. What Is the Expertise and/or Motivation of the Person Recommending This Investment?
Always, ALWAYS consider the source of every investment recommendation you get.
Is it a friend or family member? A random blogger? Does this person have any real expertise?
Is it a financial professional? If so, how are they paid? Do they have a financial incentive to make this recommendation?
Whoever it is, does this person have a detailed understanding of your personal goals and your overall financial situation? Do they know what investment accounts you have? Do they know what other investments you hold?
There are many people who are happy to make all kinds of investment recommendations. Very few are in a position make a good one.
8. Is There Any Need to Change Your Current Investment Strategy?
You chose your current investments for a reason, right? Have your reasons changed? Have your circumstances changed?
Is there any reason at all to change what you’re already doing?
If you made thoughtful decisions from the beginning, the answer is most likely no. Your current investment strategy is almost certainly good enough, and there’s really no need to consider something new.
Warren Buffett is famous for saying that “Lethargy bordering on sloth remains the cornerstone of our investment style.”
When it comes to investing, doing nothing is often the best move.
Related Articles:
- Are You Ready for a Stock Market Crash?
- 401(k) Vesting: What It Is and Why It Matters
- 10 Things You Need to Do Before You Start Investing
Matt Becker, CFP® is a fee-only financial planner and the founder of Mom and Dad Money, where he helps new parents take control of their money so they can take care of their families. His free book, The New Family Financial Road Map, guides parents through the all most important financial decisions that come with starting a family.
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Making Money as a Health Coach: One Mom is Revealing Her Secrets to Success
Pam Howard is a health coach for busy working moms who love their kids, but feel tired, stressed out, and overwhelmed. They want to do it all but can’t find enough hours in the day. Pam helps them balance family, health, and work so that they can go to sleep each night feeling fulfilled and […]
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