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Jenna Dewan's Boyfriend Steve Kazee Appears to React to Channing Tatum Drama

Jenna Dewan, Steve Kazee, Channing Tatum, Jessie J.It appears more than one nerve was frayed when an Instagram troll criticized Channing Tatum over his back-on-again relationship with Jessie J and brought his ex-wife Jenna Dewan into the…

Traveling With A Baby: Meet Dylan Fitzgerald Karsten!

Baby Travel TipsTips For Traveling with a Baby Family Travel Tips

As a first-time dad, and frequent traveler, I’ve had to learn how to travel with a baby through trial and error. Here are some of our best baby travel tips based on my experience!

Sooooo … I’m a papa! If you’ve been following me on social media for the past 7 months, “youre supposed to” once knew that though.

But I haven’t properly introduced the little guy here on my blog, and thought it was time for you to meet him — extremely since we’ve been trip together.

Earlier this year, back in April, my partner Anna gave birth to our first child. A healthy newborn boy we listed Dylan Fitzgerald Karsten.

Just as most mothers informed, having a baby is a life-changing experience.

I’ve since learned everyone has their own advice about traveling with a baby or minds about whether to travel with a newborn or not.

So I wanted to include my baby walk gratuities into the mix more!

My Introduction To Fatherhood Our New FamilyThe Day Baby Dylan was Born!

On the day of his bringing, bustling on a mix of stress& adrenaline, a hospital harbour accommodated newborn Dylan up so I could see him for the first time.

Fresh from his mother’s womb — the first thing he did was pee on me. I began chortling& crying simultaneously due to pure joy. Welcome to fatherhood!

What’s it like being a first-time dad? If I had to sum it up, I suspect a combination of love, pleasure, suspicion, and tired. With the former outweighing the latter.

Becoming a daddy is a life-altering experience. Of route I suspected so much better after hearing from other pas, but living it yourself is always a bit different.

Up until this moment in “peoples lives”, I lives with as few responsibilities as possible.

For times I strolled around the world, living out of a knapsack as a traveling digital nomad. Hopping from country to country with no home , no continuous employer, and no real stability to speak of.

An admittedly reasonably greedy cosmo chasing undertaking, enjoyable, life experiences, and personal blooming. It was great!

So for me, resolving down and construct a family was a big change. I won’t say it’s been easy either. There have been some speed-bumps along the way.

For example, adjusting sleep& employment numbers, added planning( movement& life ), stressful status, unexpected astonishes, constant newborn duties, etc.

But it was a change I was ready for. As this new, more mature chapter of my life continues to evolve — I’m enjoy it more and more.

Traveling With A Baby baby carrier for travelWalking around Slovenia with Dylan in a Carrier

Dylan was born at a private infirmary in Poland via C-section, and after a few cases weeks, he traveled on his very first flight back to Verona Italy with us where we’ve been living as expats.

Already we were getting chided by others for putting him on an aeroplane. Which is ridiculous, because it was approved by a doctor. With kids, everyone has an opinion for how to raise them!

Fast forward 7-months later, and he’s already got two passports, is working on his 3rd, has boarded 27 flights and traveled to 6 countries so far.

Dylan has traveled more as a child than I did when I was in my 20′ s!

Traveling with a Baby and CatFamily Hiking in the Italian Dolomites Vacation with Your BabyDylan’s First Tropical Vacation to Mauritius Why Travel With A Baby?

Many people prefer not to travel with babies because they think it will be extra difficult, super expensive, or their children won’t remember the trips.

Sure, I don’t think Dylan will recollect traveling as a baby — but I have a feeling our advance suffers together are altering him in other ways.

Showing To The World

Dylan has an uncanny ability to fall asleep anywhere at anytime. Even with strident music& festivities going on! Or, how this appears to affection beings, and is not so scared of strangers.

Travel disclosures him to all kinds of beings, plazas, audios, stenches, and brave. He’s not growing up in a bubble that’s for certain!

Stronger Immune System

In 7-months of life, Dylan has only had a single delirium, which as new parents we definitely over-reacted to — freaking out and rushing to the hospital. LOL!

Altogether a pretty solid health record considering the travel he’s done. Personally, I reflect his immune system is more robust from all the drills, planes, and automobiles he’s exposed to.

Quality Time Together

We likewise get to spend a lot of quality time together traveling with Dylan. Sitting at home can be distracting with all the work, chores, and multi-tasking.

When we travel together, we can better focus on sharing our puzzled& exciting nature with him. He truly seems to enjoy traveling a lot, and is better behaved with so much stimulus going on.

And if you’re prepared, traveling with a child doesn’t have to be very difficult.

Gratuity For Flying With A Baby Baby Flying TipsFlying with Dylan from Dubai to Milan 1. When Can You Fly With A Baby?

We get so much random advice about when to fly with a newborn baby. Much of it said “ve been waiting” about two months, after the first vaccinations, and when the immune structure is more developed.

But the fact is most airlines tolerate newborns to fly at merely two weeks age-old. We flew with Dylan at 2 weeks and he slept the whole flight. No hearing troubles , no crying , nothing.

2. Babies Fly Free!

In the United Regime, children under two years old fly free in their parents lap. Yay! In Europe and internationally it’s not entirely free, but close. You must pay 10% of your ticket price to travel with small children under 2.

Depending on the airline, babes too get their own free carry-on bag, gate-checked stroller, and maybe a gondola fanny too.

After your kid turns two however, flying gets much more expensive and you’ll have to buy them their own seat with a full-price ticket.

3. TSA& Security Procedures

Much to the dismay of both airport security officials& travelers around the world, check-in procedures vary wildly depending on the particular airport/ country.

Where one airport may not require you to remove your shoes or take out your laptop — at another one, they’ll yell at you for not doing it. It’s baffling as inferno!

Expect the same when it comes to traveling with a baby.

Some airfields are very family friendly, with dedicated genealogy check-in lines and safety screening. You can pass through security easily with your stroller and settled hot water or babe formula through the x-ray.

Others are a huge pain in the ass, forcing you to fold up your stroller and crush it through the entire x-ray machine.

Travel Friendly StrollerStrolling the Beach in Nice, France 4. Travel-Friendly Strollers

Many mothers recommend traveling with a baby carrier for getting on and off airplanes, but we use our carry-on approved Babyzen YoYo+ Travel Stroller.

Using this stroller, there’s no need to gate-check it. You simply pedal your newborn right onto the plane in many circumstances. It folds up super small-time and adjusts in the overhead bay!

I have to admit, free priority boarding( boarding the airplane firstly) because of Dylan is a nice little perk if you fly a great deal.

That is, unless you need to ride a shuttle bus to the airplane.

Then it doesn’t make any difference, and you get stuck behind everyone else climbing up the boarding ladder stairs( carrying a newborn, stroller, and handbags ).

5. Airplane Baby Bassinets

On long international flights, many airlines have sections that include a baby bassinet which hangs from the wall in front of your posteriors. This is super handy!

It allows you to let your baby sleep comfortably, and gives you a crack from nursing your baby for the entirety of an 8+ hour flight.

However, some airlines don’t volunteer bassinets, or only have a few available. Of the airlines who do offer them, like American& Delta, you can’t pre-book them and it’s first-come-first-serve when you show up at the gate.

The most baby-friendly airline we’ve flown with so far has been Emirates — is not simply do you automatically get assigned accommodates with a bassinet, they likewise give you a cute child attention box with a rug, toys, wet-wipes, and more.

6. Timing Is Everything

Since we’ve become mothers, we’ve had to plan out our operate experiences a little more. You don’t want your newborn screaming with a sodden napkin or thirsty for milk while waiting in lines or during takeoff or landing.

We try to change& feed Dylan at the airport’s baby-friendly bathroom right before boarding the flight, as well right before they turn on the seat belt mansions inside the airplane to prepare for landing.

This way, he’s not freaking out when there’s little we can do for him. Of course there’s no guarantee it won’t happen regardless, but it belittles the chances.

Also, unless we’re in a rush to catch a connecting flight, we’ll often de-board the plane last-place to avoid fighting with obnoxious fares attempting to remove luggage from the overhead bins. It’s just not worth the stress.

7. Feeding During Takeoff& Landing

To prevent your baby from knowledge ear grief due to changing cabin pressure during airplane departures and grounds, try to feed them a little formula or at least play tug-of-war with the pacifier.

This will encourage your newborn to “swallow” which counteracts the ear stres change and any related pain.

8. Request An Empty Seat

If your route isn’t too full, there still may be empty sets on the plane. You can try to ask the gate helper to move you to an empty-bellied sequence, so you won’t bother other passengers( and you’ll do some additional chamber yourself ).

I’ve pointed out that some fares dislike flying with newborns on board, while others cherish it and make funny faces at Dylan from across the plane!

USEFUL TIP: Get your baby changing gear ready for when the “ding” resounded indicates it’s safe to move about the cabin after takeoff, and run for the nearest airplane bathroom to avoid waiting in line!

General Baby Travel Tips Traveling by TrainTraveling by Train is Always Fun 1. Pack Light

You don’t need to pack a week’s worth of diapers when traveling with a babe. Bring enough supplies to last-place a day or two, buy the residual while you’re there.

Our Baby Packing List

Baby Carrier– For hands-free travel with a newborn, and extremely good for destinations with a lot of stairs. Folding Travel Stroller– We try to use a stroller as far as is possible, and you can store extra stuff under it. Car Seat– This isn’t always needed. You can often rent car fannies with your auto rental corporation. Diaper Bag– I recommend one that includes a deepening pad, because countless altering tables aren’t padded( or scavenged often) Diapers- Bring more than you think you need, but don’t go overboard either. You can always buy more at your destination. Wet Wipes– Make sure to accompany a new carton so you don’t run out! Plus a backup travel-size package in the stroller. Added Bottles& Formula- We pre-fill baby bottles with the right amount of pulverize. Simply computed hot water, cold water, and shake. Hot Water Thermos– Keeps water hot for hours, building it easy to planned bottles for feeding.

Changing Baby in SinkNo Changing Table? Improvise with a Sink! 2. Be Flexible

If you think travel is unpredictable, really try traveling with a child. It certainly increases the chances of things going wrong during your trip.

For example, you’ll probably want to arrive at the airport earlier than normal, so you have time to change and feed them before the flight. Plus extra time for passing through security.

Be ready to change schemes at a moment’s notice, and have a backup option if your child isn’t cooperating. Like leaving a diner early when your baby starts screaming hysterically.

Don’t patrol the child on grueling 6-hour municipality walking tours. Maybe schedule fewer pleasures every day than you ordinarily would alone. You’ve got someone else to think of now!

3. Book Baby Friendly Hotels

There are a few things that start remained in a hotel with a babe much easier. We look for hotels and Airbnb’s that provide beds, plus a hot-water machine or stave to prepare formula for feeding. Laundry machines are a bonus very!

That said, don’t always rely the popular hotel reserve locates while you’re searching.

We’ve come across a few instances where the booking search engine said babes weren’t allowed, but if you call the hotel, they’ll say differently. When in doubt, call the hotel to double-check before booking.

4. Accept Other People’s Help

When you’re traveling with a newborn, strangers will often offer to help out. Carrying a stroller up some stairs, making your bags off a civilize, etc.

In the beginning, our first reaction was to decline any assistance. But we are currently gladly accepted it when offered. People will offer up their recognize in an elevator, give up their seat on a metro, and more.

Use your best judgement of course, but don’t be afraid to accept some help from kind strangers and constitute traveling with a child a little less stressful.

5. Hire A Local Babysitter

When we traveled to Mauritius when Dylan was only 8 weeks aged, our accommodation offered babysitting business. Sometimes it’s worth the extra outlay of staying in a recourse for this option!

You could also ask a friend who lives in the country you’re visiting to do a little research for you, or maybe talk to the hotel or your Airbnb host to get ideas.

6. Your Baby Needs A Passport

If you’re traveling internationally with your baby, they’re going to need a passport. Both parents need to be available for the process. You’ll need to bring proof of citizenship, identification, and relation to the child.

Generally getting your newborn a US passport will take 4-6 weeks, but there are speeded assistances that take 8 daylights.

We got lucky& organized Dylan’s Polish passport in only two days. His US passport from the American embassy in Warsaw was ready in only 5 days!

Passports for newborn babes are good for 5 years before they’ll need a brand-new one.

7. Pack Spare Clothes

There is nothing worse than the dreaded” baby blowout “. They may not happen often, but when they do, they’ll destroy your baby’s clothes, as well as yours.

Pack a spare mount of robes for your newborn, as well as a spare shirt for yourself too. Time in case! To help prevent blowouts, try staying a woman’s menstrual pad to the back of your baby’s diaper…

8. Don’t Panic Over Schedules

Some mothers situated their babies on strict feeding and siesta schedules. We don’t. Dylan sleeps when he’s sleepy-eyed, and gobbles when he’s hungry.

Trying to stick to a special napping and feeding planned while traveling with your babe isn’t going to be very practical. Save yourself some stress and make them do their own thing.

Traveling Without Your Baby … Solo Travel without BabyWhat About Traveling Without Him?

Just because I found a family now doesn’t mean I’m going to vacate independent circulate. Both Anna& I have embarked on solo excursions since Dylan was born, and is willing to continue to do so.

In fact, after months learning the ropes of parenthood, we’ve decided to take a break together and travel to Antarctica — without Dylan.

A 3-week vacation while my parents watch over him( thanks chaps !).

As any parent will tell you, having a baby is hard work. Even with babysitters or family members helping out. Sometimes you only need a disruption!

While becoming a parent has it’s challenges, it doesn’t mean you have to completely give up your previous lifestyle. And independent roam has been a big part of our lives — both for wreak and for fun.

We frequently expedition as a family, but sometimes I’ll take a solo trip for a few weeks or two while Anna watches Dylan, or she’ll visit a new country while I stay home.

Having a babe doesn’t have to interfere with the pursuit of your jaunt dreams — as a family or on your own!

Travel Planning Resources Packing Guide

Check out my travel gear guide to help you start packing for your trip.

Work Your Flight

Ready to fly? Here’s how I find the cheapest airline flights.

Hire A Car

Discover Cars is a great area for comparing automobile premiums to find a deal.

Cheap Accommodation

Learn how I save money booking hotels& vacation apartments.

Protect Your Trip

Don’t forget travel insurance! Protect yourself from possible gash& fraud abroad. Read why you should always carry travel insurance.

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How To Travel With A Baby: As a first-time dad, and frequent traveler, I've had to learn how to travel with a baby through trial and error. Here are some of our best baby travel tips based on my experience! #Family #Travel #tips

How To Travel With A Baby: As a first-time dad, and frequent traveler, I've had to learn how to travel with a baby through trial and error. Here are some of our best baby travel tips based on my experience! #Family #Travel #tips


I hope you experienced my tips for traveling with a child! Hopefully you attained it is helpful. Here got a few more wanderlust-inducing sections that I recommend you read next 😛 TAGEND

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Have any questions about traveling with a child? Any other suggestions? Let me know in the comments below!

This is a post from The Expert Vagabond escapade blog.

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Pay-per-mile Car Insurance

Whether it’s a magazine subscription or a gym membership, nobody wants to pay for something they never use. Despite this, we often keep paying for certain services, convincing ourselves that someday we’ll make good use of them and that when such a day comes, we’ll be glad that we held onto our subscription. It would be so much nicer if, instead of flushing money down the drain month after month, we only paid for a service if we used it. While this concept is merely a pipe dream in most circumstances, it’s possible for car insurance. Welcome to the world of car insurance by the mile.

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What is Pay-Per-Mile Car Insurance?

Starting with a base rate that is calculated using factors such as your age, your credit score, your driving history, the kind of car you drive and your gender, insurance providers charge you a monthly premium that is a combination of your base rate and the total amount you drive.

To calculate the latter component, insurers use an in-car device that tracks the number of miles you log each month. These miles factor into your annual mileage, which ultimately becomes a factor—though not a major component—in your overall premium. Taking all of this into account, insurance providers come up with a premium that reflects your driving habits, which is what you end up paying each month. If you don’t drive at all, you pay the base rate. If you do venture out onto the open road, your monthly premium reflects your mileage and includes a daily mileage ceiling above which you won’t be charged.

Pay-Per-Mile Car Insurance Companies

Nationwide SmartMiles

SmartMiles by Nationwide offers the same coverage as a traditional Nationwide car insurance policy with the caveat that its rates adjust each month based on how much you drive. Some special features of Nationwide’s SmartMiles coverage include:

  • Safe driving discounts of up to 10% after the first renewal
  • A “Road Trip Exception” that only charges you for the first 250 miles you drive on any given day
  • Easy-to-use online tools that help you keep track of your mileage and monthly payments

With the exception of a few hybrids and diesel engine vehicles, this pay-per-mile insurance can be used by all drivers with post-1996-model cars.


With rates starting as low at $29 per month, Metromile offers an affordable alternative to other car insurance providers. Like Nationwide, Metromile also features a 250-mile per day mileage cap (150 miles per day in New Jersey), which enables infrequent drivers to indulge in guilt-free road trips on the weekend. Metromile offers an extensive list of coverage options, which includes:

  • Rental reimbursement
  • 24/7 Roadside assistance
  • Property damage
  • Bodily injury
  • Comprehensive
  • Under/uninsured motorist
  • Medical payments coverage

Users can select some or all of these car insurance by the mile coverage options as part of one of four different levels of liability protection and may add more than one vehicle to a policy, which saves them money on their base and per-mile rate.

Though Metromile has limited availability (CA, IL, NJ, OR, PA, WA and VA), it offers automatic billing and easy-to-use online resources for handling payments, which makes it an attractive option for users that are residents of states where it is available.

Esurance Pay Per Mile

Pay Per Mile by Esurance offers many of the same functions as the other pay-per-mile car insurance providers listed here. Their premiums, which are paid eight times over a six-month span, are composed of a base and per-mile rate and include a mandatory down payment at the start of each policy term cycle. In addition to this, Esurance charges a $50 cancellation fee if you terminate your policy early, though this can be waived if the policyholder switches to a traditional, unlimited miles Esurance policy.

Generally, most pay-per-mile users are scared away from Esurance’s offerings due to the fact that, for the moment, its Pay Per Mile program is only available to users living in Oregon. This may change in the near future, but for now, if you’re not an Oregon resident, you may need to look elsewhere for your pay-per-mile auto insurance.

Allstate Drivewise

Drivewise by Allstate is different from the norm as far as pay-per-mile insurance programs go. In addition to tracking the number of miles that you drive in a day, it also keeps tabs on how fast you drive, the number of times you brake hard, the time of day that you drive and the areas in which you drive.

Billing is also done a bit different with Drivewise, in that users pay a deposit and then have money deducted from that amount in the form of base and per-mile rates. When the deposit amount gets close enough to zero, users are automatically billed and the deposit gets replenished.

In addition to the standard liability coverage that is offered, Drivewise appeals to drivers because of the low mile limit ceiling—150 miles per day—and the opportunity it gives drivers to save if they keep their miles low.

One thing that drivers won’t be too fond of, however, is Drivewise’s limited availability. As of now, only residents of New Jersey, Oregon and Texas have access to this pay-per-mile service, though this may change soon.

Who should use pay-per-mile insurance?

Pay-per-mile car insurance clearly isn’t for everyone. Apart from the aforementioned geographic restrictions that apply to some providers, the per-mile basis on which premiums are calculated makes pay-per-mile insurance an unattractive option for users that drive a lot.

By way of example, a sample rate from Metromile quotes their premiums at least $29 per month as a base rate plus six cents per mile driven. Taking into account the fact that the average American drives 13,476 miles per year, this policy would end up costing users over $1,150 per year, which is more than $200 over the national average, according to 2016 figures.

With this in mind, people who know that they have to log a lot of miles behind the wheel likely aren’t the best candidates for this kind of insurance. On the other hand, if you live in an urban area or have circumstances that don’t require you to use your car often, pay-per-mile insurance could be an excellent way to save money on monthly auto insurance premiums.

How much can you save with pay-per-mile insurance?

The main factor in determining how much you can save with car insurance by the mile is the number of miles you plan on logging. In revisiting the Metromile example, if you are able to stick to an average of 25 miles per day, you’d end up paying just under $900 per year in auto insurance, which would yield you a modest chunk of change in savings compared to the national average.

To have a clearer idea of what you could save, however, your best bet is to solicit quotes from traditional auto insurance providers and pay-per-mile insurers and use your estimated annual mileage as a predictive marker in calculating how much each option might cost you.

Frequently asked questions

What’s the difference between pay-per-mile and pay-as-you-drive (telematics) insurance?

Pay-as-you-drive models use a telematics device to monitor your car. By using this technology, drivers have the chance to potentially earn a larger discount by driving less and being more cautious on the road. The point of these devices is to track a driver’s driving patterns as a means of gauging of cautiously or recklessly a user drives. The devices track speed, hard braking and a few other factors to determine how much a driver is eligible to save for safe driving.

Pay-per-mile insurance is only calculated using a base rate and a per-mile rate. Thus, how recklessly or safely you drive have no bearing on what you pay at the end of each billing cycle.

Can I cancel my pay-per-mile insurance at any time?

Though all users have the right to cancel their pay-per-mile insurance policies whenever they like, doing so often comes with fees. Esurance, for example, charges policyholders a $50 cancellation fee if they terminate their policies early. This fee can be waived if the policyholder switches to a traditional, unlimited miles policy. To find out whether your provider will charge you to cancel your policy, reach out to a representative.

Does pay-per-mile have the same coverage as a traditional policy?

Yes. The coverage offered with a pay-per-mile policy is the same as that provided under a traditional policy with the exception that the payment structure is different. While a traditional policy will charge you a monthly premium based on factors such as the make and model of your vehicle, your age, your driving history and health-related factors that could impact your ability to drive safely, a pay-per-mile policy charges drivers a substantially reduced base fee along with a per-mile fee that is usually capped at a certain per-day mileage limit.

How are my pay-per-mile premium rates calculated?

Pay-per-mile premium rates are made up of two components. The first is a base rate, which is applied at the discretion of the provider. The second component is a rate applied to the number of miles you drive during a billing cycle. This rate is determined based on factors such as your age, driving history, credit score, make and model of car and gender, among other factors. Combined, these two factors make up your monthly premium.

The post Pay-per-mile Car Insurance appeared first on The Simple Dollar.

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YOU Season Premiere Review: Hello, YOU … Welcome to LA!

Joe Goldberg is back on his bullshit.

The not so friendly neighborhood stalker/ murderer returns on Netflix, where the series is allowed to be even darker than it ever was before( I hope that members can like the word “Fuck” ). The occurrences of YOU Season 2 Episode 1, and YOU Season 2 Episode 2 were enough to utter your bark crawl.

The series, and Penn Badgley, wanted to make sure there were no hallucinations about who Joe is as a person. If you went into the brand-new season star-eyed over a love “antihero” with a penchant for murdering the status of women he desires, then life came at you fast.

Welcome to LA - Tall - YOU Season 2 Episode 1

By the end of the premiere, there was a reality check for viewers.

Joe persuasion himself that he’s well-intended or that the murder of Beck and many of her loved ones was some fluke or one-off series of misdeeds for him, but it’s not the case.He’s a serial stalker, murderer, and perverse individual, and it’s not something he can flip off like a switch.

If you withdraw( and feel free to check out our YOU Season 1 Reviews for a refresher ), the final gasp-worthy moment on YOU Season 1 Episode 10 was when Joe’s presumed dead sweetheart, Candace, waltzed into his bookstore.

Candace Returns - YOU Season 1 Episode 10

Candace returns with a vengeance, and it’s a fascinating potentiality for the remainder of the season.

She’s a living, knowledgable representative of those whom Joe hurt — more specifically, killed, and the most immediate threat to his exposure.

Candace: You did it again, didn’t you Joe? Joe: What is it you people want, Candace? Candace: To kill you with my naked pass. I’m kidding. I could never. I’m going to go to the cops and tell them everything. Nope, too easy on you.

Permalink: To kill you with my bare hands. I’m kidding. I could never. I’m going to go to the cops and …

Added: December 22, 2019

It’s going to be satisfying when we find out the truth about what happened between them. Joe looked at her as if he saw a ghost, and it’s because of how they left things.

He thought he did kill her, and she casually mentioned how just leave her for dead. She claimed she got a new honour and life elsewhere, which is how she fell off the grid and never glanced back.

Candace's Return - Tall - YOU Season 2 Episode 1

She was hiding from Joe, and she had every reason to after what he did to her, but she found out about Beck, and it raised her out of hiding.

It fixed her courageous and bold enough to confront the man who were trying to murder her and threaten to ruin him. Yes, Candace is a gamechanger character, she has her hoof on his cervix, and she’s the only person who rattled him enough to compel him to leave the state.

Love has made me to dark homes, but Los Angeles has got to be as dark as it gets. When you’re running from someone who thinks they know you, the best place to hide is somewhere they believed to be dislike because you do.

Joe Voiceover

Permalink: Love has made me to dark regions, but Los Angeles has got to be as dark as it gets. When …

Added: December 22, 2019

Joe feed to California to escape Candace. For a few moments, he became the prey rather than the predator.

To some degree, he remains the prey, but it hasn’t stopped him from returning to his sadistic ways.

Incognito - Tall - YOU Season 2 Episode 1

We didn’t expend much experience with Candace in the first got a couple of installments, but she’s a self-assured woman who wants to ruin Joe, but how does she expect to do it?

She didn’t divulge much about her project, exclusively be said that she wouldn’t resort to calling the police on him. She wants to hunt him and prepare him feel like one of his casualties. She hopes to acquire him self-destruct to the point of him wanting to turn himself in by the time she’s does so with him.

It voices savory in theory, but how exactly does she plan to achieve that? How does one perform something of that caliber?

Candace - YOU Season 1 Episode 9

Her dissension with Joe was sloppy considering the circumstances, and she was, for some reason, unprepared for him bolting and get the hell out of town.

She drove him away, and he concludes she’s on some warpath to find him. Until she steps paw into the sunny city of LA, she doesn’t feel like an imminent menace to Joe.

It’s a deliberate alternative. Joe is wary, but he thinks he’s pleasant in LA, for now. He has himself a neat brand-new distraction, and after spending time with Love, he belief of this personal hell as his home.

You make, Love. I’ll stay.

Joe Voiceover

Permalink: You win, Love. I’ll stay .

Added: December 22, 2019

The first installment played into what we heard of Joe during YOU Season 1. While it was never a disbelief that he was a fucked up individual capable of monster things, there was always fairly of a “Nice Guy” edge to him to endear him to fans.

Dad Friend - YOU Season 2 Episode 2

It was easy for numerous to bend over backward to find ways around his changed activities. He did have a ghastly, distressing, and abusive infancy. He’s an egotistical snob, but he’s likewise darkly funny and witty.

His initial light stalking was something not unlike what others do on the daily. He was a disturbingly familiar type of preoccupied until he wasn’t.

And the majority of members of his misdeeds were demonstrated as things that got away from him — a terrifying but hopeless attempt to stay in control.

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And it all led to him murdering the woman he admitted to love. Regrettably, Beck’s lack of likability forced things as well.

An unpropitious byproduct of following the stalker killer is investing too much time in his head and viewing the other personas through his lens. We knew who and what he was, but it did nothing to change the reaction to an insipid, irksome Beck.

I time want to stop running, Love. I want a home.

Joe Voiceover

Permalink: I simply want to stop running, Love. I require a dwelling .

Added: December 22, 2019

It speaks to a disturbing thought on civilization. A prey doesn’t and shouldn’t need to be likable to be sympathetic and recognized as a victim.

We consciously know this, and hitherto, it influences our knowledge of matters anyway. To some, it may seem as though the letter was lost.

Held Captive - YOU Season 1 Episode 10

However, it was realistic; it thumped the observe with exactitude. Our reactions are nothing if not real, which is what the sequence is so great at reflecting.

Irrespective of your sensibilities about Beck, it was chilling to see the ghost of her with bruising around her neck from where Joe strangled her.

We didn’t attend him kill her, and it was a very thoughtful decision to not further perpetuate violence against women in a imaginary field saturated with it.

Joe: I’m trying to do it right this time.Ghost Beck: As opposed to with me. What to be wrong with me, Joe? We both know what happened.Joe: You can recur me forever. You will never get me to say I did everything I could do for us.Ghost Beck: Look at me, Joe. Joe: No.Ghost Beck: Look at me! Joe: No, you are not here. I am not arguing with you!

Permalink: No, you are not here. I am not arguing with you !

Added: December 22, 2019

Beck’s attendance posthumously was no less effective and disheartening.

Pretty Prisoner - Tall - YOU Season 1 Episode 10

She’s haunting him, as she should, and something tells me his ritual of burning a character he wrote to her won’t put him at ease. She still weighs on him in some way.

I’m ambiguou how often we can expect to see twinklings of Elizabeth Lail, but it wouldn’t be entirely unwelcome. As a structure of his conscience chipping apart at him, she’s more subdued and pointed.

Ghost Beck: Look at me, Joe. Sometimes we hurt the one we cherish, right? You’re not afraid Love will hurt yourself .. You’re afraid you will hurt her.Joe: I’m sorry. I’m so sorry. No, please stay.

Permalink: I’m sorry. I’m so sorry. No, am staying .

Added: December 22, 2019

She also contributed to wonderfully captured incidents such as the callback to when he held her captive in the enclose. Joe’s bloody mitts pressed against the glass with the ghost of her looking back was one of very best visuals of the first two installments.

It seems he can’t quite shake Beck in the same way he did Candace. It hasn’t stopped him from focussing his vitality to his latest obsession, Love.

Love - YOU Season 2 Episode 2

Love is spirited, winsome, and real. She feels like a sincere person and a close friend. It have now been constituted Joe’s attraction to her disturbing.

She’s previously drawn to Joe, and with Love, watching their situations together gives you an uneasy feeling –one of horror. We know what Joe is capable of now, and Love is pleasant compared to her predecessors.

She’s intense about food and life. She’s so dynamic and lively, and she’s suffered some calamities, including losing the compassion of their own lives, but she hasn’t accepted life to get her down.

Let me tell you a little bit about yourself, Will Bettelheim. You are not a snob. You’re time old-fashioned. You like things that are real, prepared right by people who care. You like strong spices. Gambits don’t seduce you. What persuasions you is the real thing. Therefore, roasted chicken. In cooking school, they say to you that you can tell everything you need to know about a person by their roast chicken.

Love Permalink: Let me tell you a little bit about yourself, Will Bettelheim. You are not a highbrow. You’re just …

Added: December 22, 2019

She’s smart-alecky, and it gives you some hope that maybe she can see through Joe at some pitch and get the hell out of dodge. She’s great at figuring beings out.

Welcome to LA - Tall - YOU Season 2 Episode 1

Her journey to pinpoint what type of food would appeal to Joe was adorable had we not known Joe is mad in the foreman. She nailed it extremely — pegged him as the old-fashioned type with an appreciation for the simple things.

She’s falling for him hard and fast, and Joe doesn’t have to work as hard to get her tending. What’s troublesome is how they presented him as one who was fighting it off.

He played as though he was fighting his baser impulses and missed away from her to avoid repeating the same mistakes. Then it was revealed that he’s right back to the same ways.

Love: Will, you cannot hurt me.Joe: I want to believe that….OK. Thank you.

Permalink: I want to believe that….OK. Thank you .

Added: December 22, 2019

He didn’t opposed to keep Love at bay. Instead, he orchestrated all the actions and scenario –bent it to his favor to gain access to her.

It shouldn’t have been, but it was shocking.

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His actions were calculated from the apartment building he chose to his enterprise at Anavirn( Nirvana spelled downward because of course ). He didn’t even have a brief conversation to go on when he decided to focus all of his exertion into obsessing about Love. All he had to do was receive her.

By the time he was store her plagiarize underwear in a trinket box, it was enough to constitute your tummy turn.

JoeVoiceover: I guess it’s goodbye Beck. I’m sorry. I really am. Goodbye, you. Love: How did that feel? Joe: Like a good first step. Joe voiceover: I still can’t wait to tell our floor to our kids. How we decided to walk before we led. How we started off as friends

Permalink: I still can’t wait to tell our narrative to our kids. How we decided to walk before we passed. How …

Added: December 22, 2019

Love believes she has find beloved again, and what she has discovered is an unassuming monster. Like the line adores to remind us , no one ever supposes anything from the normal-looking, relatively lovely lily-white guy.

Fortunately, he hasn’t done anything to anyone in their own lives yet, but he has already gotten his hands soiled with how he’s handled things with Will, whose name he plagiarized, and Jasper.

Killer Joe - YOU

He got himself in quite a pickle with Will. His plan to buy a new identity had a few defects in it, but he found Will’s actual identity to be more beneficial.

The chap should’ve known better than to go on about how many years it made him to get an iron-proof identity while maintaining little to no digital footprint. It was a decade in the making.

Somehow, Joe noted the time to build a replica of the cage in Mooney’s basement. His intentions are clear if he had that mean in the works in the first place.

Who is Jasper? Why is he looking for you, Will? How are we going to take care of this difficulty?

Joe Permalink: Who is Jasper? Why is he looking for you, Will? How are we going to take care of this difficulty ?

Added: December 22, 2019

The statu with Will shows that for someone smart, Joe moves the most difficult options. He comes himself into more trouble than authorized by behaving impulsively.

New Dungeon - YOU Season 2 Episode 2

Nothing good can come from keeping Will hostage. How do you release him and trust that he won’t go to the authorities? You don’t.

Even Will’s criminal activities don’t ensure the necessary mutual destruction that keeps them both alive and avoiding a prison sentence.

The only route Will gets out of that enclosure is in a pitch-black trash bag.

You have the benefit of being a white dude. No one ever supposes shit when it’s a white-hot dude.

Will Permalink: You have the benefit of being a white dude. No one ever suspects shit when it’s a grey buster .

Added: December 22, 2019

He’s restraining him for all that he’s worth , not unlike the early days of when he held Benji prisoner.

Through the Looking Glass - YOU Season 1 Episode 2

But deterring Will is more trouble than it’s worth. Will’s mental illness alone fixed him difficult to manage. It’s also possible that more parties could come after Will.

Didn’t “theyre saying” Jasper worked with the Russian mafia? Who’s to say anything stops at him?

Joe will miss more than a cut off finger if the mafia is involved. It’s a entire different aim of difficulties he’s facing in LA that have nothing to do with his obsession.

Sometimes I was just wondering if I understand love at all. The thing converts us but into what? Love turned me into something else back then with Beck. My hope now is that you can transform me into something better. Because if this is all that I am. I may as well turn myself into Candace.

Joe Voiceover

Permalink: Sometimes I was just wondering if I understand love at all. The thing converts us but into what? Love …

Added: December 22, 2019

Jasper had to work for someone, and whoever that person or organization is, they’ll want to know where their enforcer went.

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Unfortunately for them, he’s ground meat now. The move from Lifetime to Netflix means we’ll likely come some doozy situations like this, and I convulse to think what else is on the agenda.

Yet, the editing of the background was dazzling — Joe chopping up Jasper intercut with Love deboning some flesh, Joe vomiting with her cracking eggs of the same hue, it was inspired, to say the least.

Yeah, I just wanted to stop thinking about it and simply do it.

Love[after caressing Joe]

Permalink: Yeah, I just wanted to stop thinking about it and only get it on .

Added: December 22, 2019

As provoked as Joe’s creative jettison of a torso. Did he at least clean the flesh grinder?

Maybe not, since this is the same guy who didn’t wash his hands directly after masturbating at work to some daydream of Love getting naughty with him.

Stalker Joe Caught - YOU Season 1 Episode 7

Dear, God, Joe. Why are you like this?

They have maintained a little of his endear dexterity for relate with those younger than him.

Ellie is a precocious, savvy teen who can give Joe a run for his money. He’s taken a bit of a inclination to her even if they are got off on the wrong foot.

She spare no effort to got something for him that no one else could: she got the luddite onto social media and depicted him how to navigate it in a convincing way.

New Neighbors - YOU Season 2 Episode 3

She and Delilah are both smart girlfriends, and they’re the type to catch on to Joe real quick. The second season has presented us with savvier characters who might not have Joe figured out, but they’re smart enough to suspect something is off with him.

Ellie is vigilant and pays attention to everything happening around her. It can be a blessing or a swear for Joe.

It’s funny, Joe did what he does best and impelled snap assessments about LA and the people who live there. He wrote the whole city off as a neighbourhood filled with fake parties. And, don’t get me wrong, they are some reputations — quintessential Angelenos.

You act nice because you’re not, and I may not know what kind of bad “youre gonna”, but I got my radar the hard way, so stay the fucking away from me and my sister, OK? So have a superb daylight.

Delilah Permalink: You act nice because you’re not, and I may not know what kind of bad you are, but I got my …

Added: December 22, 2019

However, most of the characters they’ve pioneered us to, and the ones they’ve placed in his trajectory in a close capability are some of the most real parties he’s met.

Delilah - Tall - YOU Season 2 Episode 3

They cut through the pretendings and don’t easily fall for bullshit. For example, Delilah seems vapid and shallow on the outside, but her final background with Joe was teaching and thrilling.

She had a hard life, and it has drawn her good at reading people well. She doesn’t know what Joe’s deal is, but she’s certain he’s a terrible party masquerading as a nice guy.

She isn’t incorrect, and her blunt transmission and candor about her feeling of Joe caught him off guard.

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He’s not used to someone calling him out like that. She urged him against coming anywhere near her or her sister, but I doubt Joe will heed it.

He can’t cure himself. He is the type who will try to feign hero and got something about Hendy.

It is likely to be self-serving because of a need to get Delilah on his surface and fling her mistrusts away.

Henderson - Tall - YOU Season 2 Episode 2

Her tale about Hendy wasn’t unlike countless before. He’s a far-famed somebody who contravenes young girl, specifically underaged, women of color.

He knows how to pick the excellent scapegoat. His word as a prominent, rich white guy is stronger, right?

Joe didn’t have a pleasant know with him either. It’s a chance Hendy will end up one of Joe’s victims by the season’s end.

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Speaking of: Joe’s LA Body Count: 1

Let’s see how many beings he’ll add to it by the end of the season.

Over to you, YOU Fanatics. Did you enjoy the premiere? Is it holding up to the first season so far?

What are your marks of the brand-new reputations? Do you think they’ve done a better position at reminding us how terrifying and disturbing Joe is? Hit the comments below!

You can watch YOU online here via Tv Fanatic.

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The Best Time to Buy a TV, Mattress and More: Here’s Your Guide

Some purchases are tough to plan: car repairs, patches for a leaky roof, a working furnace right before the big snowstorm hits.

But more often than not, you can plan ahead for life’s necessities — and some non-necessities, too.

Before you let an impulse buy drain your bank account, consult our handy calendar of the best time to buy absolutely everything. You might be surprised at the deals each new season brings!

Our Guide to the Best Time to Buy Everything

Be a smart shopper and plan your purchases according to this calendar, which lets you know when the best deals are, month by month.

What to Buy in January

Kick off the new year with big savings.


Retailers know that the newest TVs and other electronics are revealed at the annual Consumer Electronics Show in early January. This makes January the best time to buy a TV, thanks to major discounts — as long as you don’t sweat the new, fancy models too much.


No need to rush to the bookstore in December to get a new wall or desk calendar. Buy one in January to get 50% to 70% off.

Gym Memberships

“In January, you’re likely to find gyms waiving extra fees (which can range from $10 to $100 per year, depending on the gym), offering a free introductory period or discounted rates to make it easy to jump into a year of fitness,” Elizabeth Harper, contributing writer of writes.  

“And if you don’t see any deals offered, ask!”


The yearly tradition of hosting a white sale dates back to the 1870s, when linens were only available in white. But modern white sales include linens and home goods in every color of the rainbow.

Don’t be swayed by sheets with super-high thread counts — you probably don’t know what different thread counts feel like.

Ugly Holiday Sweaters

I know, you have an entire 11 months until you get invited to your next ugly sweater party. But my Goodwill intel reports that January is the best time to find a truly hideous sweater for way cheap.

What to Buy in February

Fall in love with these deals during the month of February.


Presidents Day is a good time to buy a mattress because it gives you a long weekend to shop with your partner for an item you should both agree on before buying.

That’s why retailers use the holiday to shill for pricy items many people have put off buying or replacing for a while. Take advantage.


One of the best times to buy jewelry is in February — but only after Valentine’s Day.

Look for discounts of up to 80% off after retailers remove their rose-colored glasses. It’s not worth paying the “love tax” to celebrate with your sweetheart, anyway.

Winter Coats

Winter coats take up a ton of room in your closet and just as much room in stores. Help retailers clear ’em out this month, and you’ll get a big discount.

What to Buy in March

A woman carries her luggage down an alleyway in Europe.

Spring forward by making these smart purchases in March.


Don’t wait until a week before your big family vacation to get a new suitcase. March is the best time to buy luggage, as it’s on sale to entice shoppers who are desperate to be done with their snowy, dreary winters and who crave a little spring break.

Just don’t forget where you put it when it’s time to pack.

Fitness Equipment

Whether you’re looking for a treadmill or just a set of dumbbells, March is the time to shop. Retailers know you’re going outside to exercise soon, so they want to unload in-home workout gear.

What to Buy in April

The smart shopper always plans ahead.


You don’t have to wait until Father’s Day to find excellent prices on tools and home improvement gear.

If you’re eager to start your home DIY projects in the spring, go ahead and shop now. Home Depot likes this time of year so much it even hosts a Spring Black Friday sale.


Everyone’s finally going outside again. Let sporting goods stores make it easier for you to keep up with your New Year’s resolution (remember that?) by discounting those new kicks.

What to Buy in May

Is your refrigerator running? If not, May is a great time to get a new one.

Baby Gear

I understand you’re not going to time your baby’s birth to get the best deal on all their accoutrements.

But if your kiddo needs a new stroller or high chair, May is a good time to shop, according to Consumer Reports — especially if you can grab the Memorial Day deals.


New refrigerator models debut in the summer. Shop in May to get last year’s model at a better rate.

You can’t tell the difference between last year’s refrigerator models and this year’s, right? Didn’t think so.


What to Buy in June

Here come the… deals?

Vacation Tickets

Planning a summer vacation? Travel early or late in the summer instead of during peak times. And you’ll pay less for airfare if you can travel midweek.

Outdoor Gear

Now that summer is in full swing, outdoor gear — like tents, backpacks, lanterns and even fitness gear — is marked down.

Cookware and China

June is peak wedding season, and stores hope you’ve planned ahead to buy those wedding registry gifts.

Now is when those items are discounted, and it’s the perfect time to replace or upgrade what’s in your own cabinets.

What to Buy in July

Don’t sweat these savings.

Amazon Products

If you’re an Amazon Prime member, check your calendar: Amazon celebrates its birthday each July by discounting thousands of items on Prime Day, which now extends well beyond 24 hours.

While there are a lot of duds and “Amazon really sells that?!” raised eyebrows, the megastore offers great deals on its own products, from Kindles to Echos to Fire sticks.


New styles hit stores in February and August, so retailers spend much of July clearing out old stock, especially over Fourth of July weekend — making this the best time to buy furniture.

What to Buy in August

The dog days of summer offer some amazing bargains.

Computers (Except Apple Products)

Computer manufacturers typically release their new models in the summer, so back-to-school sales are a great time to buy last season’s model. The specs probably won’t be different enough for you to notice, unless you’re a hardcore gamer or designer.

Apple products, however, typically get announced in the fall, so hold off to get that new MacBook.


Grilling season doesn’t stop at the stroke of Labor Day. Buy at the tail end of summer to enjoy your grill until almost Thanksgiving (OK, depending on where you live).

What to Buy in September

A young girl watches a movie on her iPhone on a plane.

Back to school? More like back to the checkout lane.

Thanksgiving Flights

According to 2017 booking data, this could be your best time to buy Thanksgiving flights.


Even though your local pool might be closed for the season, you should think about stocking up on swimsuits for next year.

A House

This might not be a frequent purchase, but if you’re in the market for a new home, it can help to hold off past the busy spring and summer buying seasons.

Your costs typically drop a few percentage points at the end of September (after the kids have gone back to school), making this the best time to buy a house.

What to Buy in October

There’s a joke about spooky deals in here, but I won’t make it.


Jeans typically get discounted in October, after back-to-school sales have ended and families are stocked up on fall attire.

Patio Furniture

Goodbye summer, hello savings.

It’s worth checking out the patio furniture if you don’t mind storing it over the winter. When that first warm spring day hits, you’ll be ready to bask in the sunshine.

What to Buy in November

A woman gets her wedding gown fastened in the back.

The days get shorter, but the deals get bigger.

Small Appliances

This time of year is ripe with rock-bottom prices on giftable small appliances.

If you’re looking for a blender, food processor, coffee maker or anything else that’ll proudly take up space on your kitchen counter, it’s worth waiting until Black Friday sales begin in stores and online.

Wedding Gowns

Bridal shops are slow before the proposal rush during the holiday season, so the few weeks before Thanksgiving is a good time to start trying on gowns.

Ask about sample sales and last year’s styles that may be priced to move.

What to Buy in December

Celebrate the season… by shopping smart, obviously.

Swimming Pools

If your family’s been begging for a backyard pool, December is the best time to have one installed. It might be chilly, but pool pros would rather avoid working on 90-degree days!

Plus, when their workload slows in the winter, many contractors are willing to lower their prices.


Toy deals stick around after those Black Friday and Cyber Monday sales in November.

Even if you’re done with holiday shopping for your little ones, consider picking up their favorite character and activity toys while they’re still discounted to stash away for birthdays.

This graphic breaks down when the best time is to buy things like clothes, computers, appliances, etc.

Lisa Rowan is a former staff writer and producer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Wealthsimple Review 2020 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO]

Now that Wealthsimple Trade has launched, and the robo advisor service has gotten so popular, I figured that it was time to take a serious look at the service.  If you’re the TLDR type, then this Wealthsimple review might be a bit lengthy for your tastes.  Feel free to navigate using our table of contents…

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How to file a home insurance claim

Becoming a homeowner is a major milestone, but it comes with a long list of responsibilities like purchasing homeowners insurance. Should you need to use your insurance coverage to repair your home or replace belongings, you’ll need to file a claim with the insurance company.

What is an insurance claim? A claim means that you’re asking your insurer to compensate you for a loss that is covered under your policy. The insurance company will review your claim, approve it and send you the money you’re owed.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Having homeowners insurance is extremely important, but homeowners insurance claims are relatively rare. According to the Insurance Information Institute (III), about one in 20 insured homes files a claim each year, and over 98 percent are related to property damage caused by fire or extreme weather. 

What can I claim on my homeowners insurance?

There are four main categories covered by most homeowners insurance policies—your dwelling (physical home), your personal belongings, liability protection and coverage for additional living expenses. 

  • Dwelling coverage: You can submit a claim if the outside of your home is damaged or destroyed by fire, smoke, wind, hail, lightning, explosions and vandalism. The damage from floods and earthquakes are not covered under most policies. Dwelling coverage also pays for damage to detached structures, like a garage or shed. You cannot submit a claim for general wear and tear of your home, like aging pipes.
  • Personal property coverage: If your personal belongings are damaged by one of the covered perils mentioned above, you can submit a claim to get reimbursed for some or all of the original value. That can include your clothing, kitchen appliances and furniture. Personal property claims are most common if your home is burglarized. High-value items like jewelry tend to be subject to a coverage limit.
  • Liability coverage: If you have a guest at your home and they fall down the stairs or get bitten by your dog, you can file an insurance claim for protection in a lawsuit where you could be found responsible. If you do have to go to court, your liability coverage will pay for the cost of defending you and any court awards. It also pays for your guests medical bills.
  • Additional living expenses: Some insurance companies allow you to file claims for additional living expenses in the event that you’re unable to live in your home due to damage from a covered peril. If your homeowners insurance policy offers this, you can submit a claim to cover things like hotel bills and restaurant expenses.

Create a home inventory

As a homeowner, one of the best things you can do is create a home inventory. Cataloging all of your personal belongings helps you determine how much insurance coverage you need and makes filing a claim faster and easier.

Survey each room of your home and make a list of all the items with a detailed descriptions. If you can, record details like the make, model, year it was purchased and where you bought it. For more expensive items like an appliance or electronics, write down the serial number. Taking pictures of your personal belongings can also be helpful when you file a claim.

Once you’ve created your home inventory, keep it up to date. Add newly purchased items, or save your receipts. Have at least one copy of your home inventory outside your home so it doesn’t get lost or damaged.

What to do before you file a claim

If you do have to file a homeowners insurance claim, there are a few steps that are important to follow. 

  • Call the police immediately after you notice the damage—whether your home was burglarized, a fire broke out or a tree fell on your garage.
  • Document the damage when it’s safe to do so. Take pictures and include written notes about the damaged items and their original value.
  • Gather your receipts for the items that were damaged or destroyed to help the insurance company properly compensate you for the losses.
  • Contact your insurance company to let them know about the incident, discuss your policy and coverage limits and get the proper paperwork.

How to file a homeowners insurance claim 

If you’re wondering how to file an insurance claim, the answer is simple, and most of the major insurance companies let you do it online or even through their mobile app.

Phone Number Link 
Esurance 1-800-378-7262 File an online claim
USAA 1-210-531-8722 File an online claim
State Farm 1-800-732-5246 File an online claim
Nationwide 1-800-421-3535 File an online claim
Allstate 1-800-255-7828 File an online claim
Farmers 1-800-435-7764 File an online claim
Liberty Mutual 1-888-398-8924 File an online claim
Amica 1-800-242-6422 File an online claim

If you need to file any type of homeowners insurance claims, speak with your insurance company to find out exactly what you need to do. We’ve included the basic guidelines for filing a claim below based on what kind of claim you need to file.

  • Damage to your home or personal property: In your claim, include pictures of the damage, a written description of the incident, when it occurred and the monetary value of the items that were damaged. Don’t throw away any damaged items before the insurance company can evaluate them.
  • Personal liability or medical payments claim: Report the incident to your insurer as soon as possible. In your claim, explain the incident, report when and where it happened, give the name and information of the person injured, include any witnesses and take photos of injuries or other damage. If someone is injured and goes to the hospital, explain their diagnosis and any medical treatment they received.
  • Additional living expenses claim: If you’re unable to live in your home due to damage, keep all your receipts for hotel bills, restaurant meals and moving costs, if applicable. In your claim, include photos of all receipts and describe the situation. Also note how long you expect to be away from your home while it’s being repaired.

Prepare for the adjuster

After you submit you an insurance claim, you’ll meet with an adjuster from your insurance company. The adjuster’s job is to organize and prepare the claim by speaking with you, witnesses, police officers and lawyers to gather all the facts about the incident. Typically, they’ll visit your home to assess the damage in-person and collect photographs, written details and other assets to be used in a report that helps the insurance company accurately assess your claim. 

Before meeting with the adjuster, submit the necessary paperwork to your insurance company. Organize the photos, notes and statements and have them ready to share with the adjuster to expedite the claims process so you get your payout faster.

How to get the most from your claim

If you decide to file a claim to get reimbursed for your losses, the most important thing you can do is to fully understand your insurance policy. Often times, homeowners don’t get the full payout they deserve because they don’t know what they are entitled to. Before you file the claim, carefully review your policy or have a professional do it for you. It’s also important to review your policy a few times per year to make sure you still have enough coverage.

Another way to maximize your claim is to document the damage as best you can. For example, take photos of the exterior of your home before a major storm hits so you can more easily show the before-and-after if damage does occur. Have a home inventory, take photos of everything you own and keep receipts whenever possible. If you feel more comfortable, you can always hire your own personal adjuster who can work independently from the insurance company.

Lastly, if you feel like your insurance provider hasn’t fairly compensated you for your losses, there are a few things you can do. Consider contacting your insurer to see what else you can provide to raise the payout, like additional proof of damage. Or, hire an independent appraiser to get a second opinion about what your compensation should be. If you have a significant claim and have exhausted your other options, you can hire a lawyer and take the insurance company to court—for a high fee.  

The post How to file a home insurance claim appeared first on The Simple Dollar.

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Sprucing Up Our Bathroom on a Budget

Note: This post is sponsored by At Home, but all opinions are my own. Read our disclosure policy here.

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Refreshing Our Bathroom on a Budget

Have a space in your home that could use a refresh but don’t have a big budget to do so? I thought it would be fun to show you how I spruced up our upstairs bathroom — in just minutes and on a small budget!

Our upstairs bathroom has been a rather neglected room in our house ever since we moved in about two years ago. It was the bathroom that ended up getting all the rejects — the random towels, the red rug that was castoff from another bathroom, and a white shower curtain that we didn’t need in any other bathroom.

While this bathroom is primarily Kathrynne and Silas’ bathroom, it’s also often used by overnight guests who stay in Kathrynne’s room or by the kids’ friends or adults when we host groups and they are upstairs in our Bonus Room.

Despite it usually having quite a bit of foot traffic, I just hadn’t prioritized doing anything with it. So when At Home contacted me and asked me if I could write a post on refreshing a bedroom or bathroom on a budget, I knew exactly which space I should choose!

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At Home’s Bed & Bath Event & Clearance Specials

By the way, At Home is currently running a huge Bed and Bath sale. If you’ve not been into this store before, it is a goldmine of deals.

Not only do they have weekly and monthly specials, but they also have incredible clearance deals. (For instance, right now, our store had over three full aisles’ worth of Christmas decor that was marked down 75% off!!)

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One of my favorite things that At Home offers is their weekly Flash Finds. These are often deeply discounted deals for the week and are usually advertised right at the front of the store.

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They have so many items that are available as part of the Bed and Bath Event — and many of them are under $30!

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Jesse came with me to shop today. Want to know a true confession? We only do fancy restaurant date nights about 1-2 times per year (and usually with gift cards that our parents have given to us for birthdays or Christmas!).

However, we love going on frugal dates where we go grocery shopping and to other stores looking for deals!

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I ended up deciding to keep it simple and get new towels, hand towels, and wash cloths. Plus, a rug and shower curtain set.

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Before & After Pictures

I’m a little embarrassed to show you these pictures! Since I’m all about keeping it real, here’s the before of the bathroom. Like I said, it was badly neglected!

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Speaking of keeping it real, notice that there aren’t any towels on the towel rack? Well, when I went to take the before pictures, the towel rack was completely empty! (I promise that my kids do actually take showers! ;))

Usually, the towel rack has some hodge podge of random towels — and they never match! Again, because this poor bathroom has just always gotten the leftovers.

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Just 15 minutes and a few tiny changes later, the bathroom looks so much more inviting.

(And yes, the shower curtain probably needs to be ironed. However, there are two problems. 1) I don’t have an iron. 2) I figured that the steam from the shower would get those wrinkles out quickly!)

P.S. I’m torn on keeping the smaller rug in front of the toilet. Does it look weird there? I can’t decide. I thought about moving it to in front of the sink area instead. Also, I’d love suggestions for other simple ways to spruce up this bathroom.

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Organise Your Home With This 30-Day Declutter Challenge

Decluttering — it’s easier said than done…and the hardest part? How to get started!

30-day challenges are the in thing right now. From money-saving to weight loss, and now decluttering, 30 -day challenges seem to almost always work.

If you’re stretching tired of your chaotic drawer, unruly closet, unclean kitchen, disorganised front room, and the kids — oh the kids! Life can never be the same( predicted: clean) with them, but you just can’t live without them!

So we’ve scoured the internet for some 30 -day declutter challenges and found one that would be great, especially for starters.Organise Your Home With This 30-Day Declutter Challenge | Stay At Home Mum

This 30-day declutter challenge is guaranteed to determine your residence spick and cover in no time…or rather in 30 days time.

Print this one out and start digging!

Are you evoked to do the declutter challenge? Happy decluttering!

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Demi Lovato's Candid Messages About Mental Health Will Leave You Inspired

Demi LovatoDemi Lovato is a survivor!
As a new chapter continues with a 2020 Grammys performance and major Super Bowl gig, the music superstar continues to be open and honest with fans about her…

How To Buy a House in 2020

Buying a house is one of the biggest financial decisions most people ever make.

So it’s no surprise that there are a LOT of misconceptions around it. A few common ones:

  • Renting is throwing money away because you don’t own a house!
  • Houses are a good investment because they build equity.
  • You need to buy a house (and get married and have kids) after you graduate college.

Luckily, this is all nonsense.

In reality, renting might be better than owning. It really depends on where you live (check out this great calculator from NYT to see what that means for you).

Also, real estate is not that great of an investment. In fact, Yale economist and Nobel Laureate Robert Shiller reported that from 1890 to 1990, the return on residential real estate was just about zero after inflation.

Perhaps most importantly, though, buying a house is a very personal decision. That means no one can and should tell you whether or not you should buy.

Renting and owning are two very different lifestyles. Knowing exactly what goes into both is the key to making the right decision for you.

That’s why we want to dive into exactly what goes into buying a house—and how to buy one if you do want to.

Before Buying a Home: Know The True Cost

It’s easy to think that if you’re renting, you’re throwing money away. After all, your rent checks is going to the landlord who actually owns the property.

However, this often couldn’t be further from the truth.

Why? Simple: Phantom costs.

These are the unseen costs many people don’t take into consideration when they purchase a house. After all, owning a home is much more than a mortgage.

Some examples of phantom costs:

  • Homeowners Association (HOA) fees
  • Property taxes
  • Insurance
  • Utilities
  • Home repairs
  • Interest
  • Maintenance fees

In the end, these costs will add hundreds of dollars per month to your living expenses beyond the mortgage payment.

Check out this infographic below for a breakdown of what this can look like over the course of a 30 year mortgage.

Cost of Buying a Home Over 30 Years

But that doesn’t mean buying is always a bad decision. In fact, you might be in a place in your life when it just makes more sense to do so (ex: have kids and need more space, work requires you to move to a specific location, etc.).

If that’s the case for you, it’s important to know exactly how much house you can afford before you start looking for one—which brings us to…

Know How Much House You Can Afford

If you’re going to buy a house, knowing how much house you can afford is the first step in the process.

Knowing the amount you can spend will allow you get the right loan AND make sure you can pay it off.

Finding the right amount is simple too by using the handy 28/36 rule.

This is a great back-of-the napkin system that even mortgage lenders will use to determine whether or not you can afford a house.

And it’s straightforward:

  • Your max household expenses shouldn’t exceed more than 28% of your gross monthly income. Including everything within your home payment.
  • Your total household debt shouldn’t exceed more than 36% of your gross monthly income. This is also known as your debt to income ratio.

For example, if you earn $3,000 / month in gross income, the best mortgage you’re likely to attain would be no more than $840 / month — because that’s 28% of your gross income.

By that same rubric, if your debt is at or exceeds $1,080 / month, you probably should focus on paying down your debt rather than buying a house.

If you want to learn more on this topic (and you should) be sure to check out our article all on how much house you can afford.

Know What Your Credit Score

If you plan on getting a mortgage to buy a house, you absolutely need to check your credit score.

Not only that, but you also need to make sure that your credit score is good to get a good home loan.

Not doing so could result in tens of thousands of dollars lost over the course of your mortgage.

That’s not an exaggeration either. Imagine two people: One has a great credit score of 790 and the other has a low credit score of 630. Both are looking to get a $200,000 30-year fixed-rate home loan.

How much do you think they’ll each pay in interest? Take a look:

Credit Score Chart

Source:, calculated December 2019

The one with a bad credit score will end up paying $66,000 more than the one with a good credit score! That’s assuming they are able to get a mortgage at all with a score like that.

If your credit score isn’t the best, you’ll want to improve it. Here are a few resources from IWT that’ll help you do just that.

Mortgage Rates in 2020

Good news: Mortgage rates have been trending lower for the past few years—and it’s expected to remain low in 2020.

As of January 2020, rates have been sub-4% since 2019 (Freddie Mac). That’s an incredibly low mortgage rate and a boon for any homebuyers going into this year.

Bottom line: There’s no better time to buy since rates are so low right now.

Cash On Hand: Down Payments and Hidden Costs

The conventional wisdom is that you need a 20% down payment in order to attain a mortgage. Though that’s a great savings goal to shoot for, you likely don’t need that much to get a loan.

For example, first-time homebuyers can get an FHA loan which requires just a 3.5% down payment.  Even most conventional down payments can go as low as 5% (Consumer Protection Bureau).

BUT it matters how much your down payment is in the long run. Why? The more you pay towards your down payment, the less you’ll pay in interest rates over time.

Imagine you want to buy a home that costs $200,000. With a 20% down payment, you’ll end up with $160,000 left to pay off. With a 5% down payment, you’ll have $190,000 left to pay off.

Which one do you think will have a higher interest? The one with the 5% down payment of course.

The more you pay on your down payment means the lower your interest rate will potentially be too. Mortgage lenders like it when you’ve paid as much of your house off as possible before you even make a mortgage payment. It shows that you’re more likely to pay your bills each month.

Bottom line: You don’t need 20% down payment to get a mortgage — but it sure helps if you’re trying to save money.

Working With a Real Estate Agent

A good real estate agent is someone who will work with you and represent your interests. A bad one will mostly just look out for themselves and not care about finding a house that’s right for you.

That’s why it’s so important that you take the time to find a good real estate agent you trust.

There are two types of real estate agencies:

  1. Seller’s agency. These agencies represent the person selling the actual house. They are there to protect the interests of the seller. You’re not looking for a seller’s agent.
  2. Buyer’s agency. These agencies represent you and want to protect your interests. You want to find a buyer’s agent.

To find a buyer’s agency, contact your state board of Realtors and they will help you find someone who will find you a good house.

Click here to find your state board’s information.

Due Diligence – A Checklist of Things to Look For and Consider

There are a million different things you should watch out for when you’re looking to buy a house. Here are just a few very important ones for you to keep in mind:

  • Hire a property inspector: This is a third-party professional who will go through your house and examine it for structural flaws, damage, and repair suggestions. They’ll give you a full report of their findings and you can use this in case of negotiations. Or, if they find something really bad, you can back out of the deal much easier.
  • Get a home appraisal: Once you’re approved for a loan, you have the opportunity to ask your lender for a home appraisal. This allows the lender to take into account different factors that might impact the home’s price (how many rooms, swimming pools, the price of the homes nearby, etc). This appraisal will give you an idea of what a good asking price would be.
  • Shop around: A lot of home buyers (especially first timers) tend to fall in love with a location and rush into a purchase. Instead, slow down. Be sure to shop around when it comes to your house. And diversify the ways you find homes too. Check newspaper ads, websites like Zillow, and ask your realtor for locations.
  • Look beyond the price tag: When negotiating for the home, remember you can always negotiate beyond the price of the house. Maybe you can ask the seller to include a washer and dryer? Or maybe you can ask them to clean the carpets or paint the walls a different color? Get creative!

Take Your Time

Buying a house is a BIG financial decision. That’s why it’s so important that you educate yourself on the process as well as all the ways you can save money in the long run. Be sure to check out a few of our other articles on buying a house for more systems to help you out:

How To Buy a House in 2020 is a post from: I Will Teach You To Be Rich.

Wait for fall 2020: A review of the Loews Portofino Bay Hotel in Orlando

It had been a very long time — before the additive of The Wizarding World of Harry Potter — since my family had inspected Universal Orlando. We don’t live all that far from Orlando, so when Universal began promoting its holiday festivities, we booked a visit for mid-November before the vanquish of Thanksgiving, Black Friday, Cyber Monday and all the rest.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

Just like anyone else visiting Orlando’s theme parks, we seized with this question: Should we stay at a Universal hotel or a nearby times hotel ? My husband and I decided to stay on site at one of Universal’s Premier( top-tier) properties: Loews Portofino Bay Hotel.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

The other Premier useds include Loews Royal Pacific and Hard Rock Hotel. The obvious plus was its locale right on Universal property, starting it easy to travel between the hotel and Universal Studios, Islands of Adventure and CityWalk via the hotel’s free ship shuttle.

Boat shuttle at Universal Orlando( Photo by Andrea M. Rotondo/ The Points Guy .)

Two other benefits were big wins in my volume: free skip-the-line Express Passes for goes in the parks( minus Hagrid’s Magical Creatures Motorbike Adventure) and one-hour early be made available to The Wizarding World of Harry Potter.( All Portofino Bay Hotel guests receive those benefits, as do patrons at all of Universal’s ” Premier” properties .)

But I did have two distrusts about the hotel. The first is its size. With 700 areas, it’s a much larger complex than we’d ordinarily notebook. Portofino Bay is also two decades old. I wasn’t too familiar with the Loews brand, so I couldn’t determine how its upkeep would be. But at the end of the day, the tempt of anniversary decoration, immediate access to Universal and a discounted Florida resident charge made this decision a no-brainer. Then it was just a matter of experiencing the hotel to see if it would acquire me over for future stays.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

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I’m a Florida resident, and Universal Orlando furnishes special charges to seduce regionals like me to visit at certain times of the year. I booked our November trip in August, and the Florida resident rate was significantly cheaper than other charges. Here’s how it gazed on the day I booked 😛 TAGEND

Room Type Universal Florida Resident Rate Universal Website Rate AAA Rate Expedia Rate Amex FHR Rate

Garden View $229 $374 $374 $374 $374 Bay View $269 $414 $414 $414 $414 Club $364 $509 $509 $509 $509 Despicable Me Suite $507 $714 $714 $714 $714

As you can see, the Garden, Bay and Club rooms were dismissed by $145 per nighttime for Florida residents. The savings for the Despicable Me Suite was $205 per darknes. We decided to deplete two nights in a Club room and one nighttime in a bay-view room so we could compare.

Despicable Me Suite at Loews Portofino Bay Hotel (Photo courtesy of Me Suite at Loews Portofino Bay Hotel( Photo generosity of .)

Note that the American Express Fine Hotels& Resorts rate includes neat benefits like midday check-in( when available ), a room amend( when accessible ), daily breakfast for two at Trattoria del Porto( a $50 ethic ), a $100 food-and-beverage ascribe, free Wi-Fi and guaranteed 4 p. m. late checkout. You can only book the FHR rate if you brace The Platinum Card( r) from American Express or The Business Platinum( r) Card from American Express.

When I made the cost of the FHR perks into consideration, the Amex rate and Florida resident charges can be compared. If I didn’t have access to the Florida discount, the Amex FHR booking would be very appealing. I don’t have the Platinum card, though, so I kept the hotel price on my Chase Sapphire Reserve to get 3x levels on the travel purchase. I did, nonetheless, use The Amex EveryDay( r) Credit Card from American Express to purchase our theme park tickets so we’d have access to the Amex Lounge at Universal Studios.( It’s across from Shrek’s Ye Olde Souvenir Shoppe. Bring your ticket line-up receipt and credit card to gain access to the lounge .)

Related: How to use points to save money at Universal Orlando


Since Loews Portofino Bay Hotel is one of Universal Orlando’s on-site resorts, it’s conveniently within ambling distance of Universal Studios, Islands of Adventure and CityWalk. There are also complimentary boat shuttles to those spots. A ship arrives every 10 or so instants. We rarely waited more than five minutes during our stand. If you want to visit Volcano Bay waterpark, there’s a free shuttle bus. If you plan to do nothing but visit all that Universal has to offer, standing on site or very close by makes a lot of sense.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

Related: Where to stay at Universal Orlando: On vs. off-property hotel similarities


Even though 4 p. m. is the official check-in time at Portofino Bay, we decided to arrive early so we could spend part of the day at Islands of Adventure. We arrived here the hotel around 11:30 a.m. and waited merely a minute or so for a figurehead desk operator to assist us. She was very friendly and bubbly and was sorry to say our office wasn’t ready yet, which we expected. She offered to etch our apartment keys, which we needed to show to access the Express Pass queue at the journeys in the parks.( All guests of Portofino Bay and other Universal Premier inns get a free skip-the-line Express Pass .) We were also made keys to the Portofino Club lounge, and she told us she’d text us as soon as our office became available.

We checked our purse with buzzer services and then stopped off at the Club lounge for a nonalcoholic beverage.( Wine and brew are only served on a complimentary basis for three hours per day from 5 p. m. to 8 p. m .)

(Photo by Andrea Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

We consulted Universal’s app to help decide where to head first formerly we got to Islands of Adventure. On the way out of the Club, we picked up our theme park tickets — which we’d sought online in advance — at the desk right outside the lounge.

From the foyer, we just had to walk down a flight of stairs( there are still an elevator) to the Harbor level, where we marched across the piazza.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

We waited no more than three minutes for a spray taxi to the theme parks.( And even the shuttle craft was floored out with a crown and wreaths for the season .) At 12:20 p.m ., while in line for Skull Island: Reign of Kong, I got a text saying our office was ready.

Related: Best credit cards for Universal and Disney


We booked a three-night stay but decided to spend two nights in a room with Portofino Club lounge access and one darknes without it. We wanted to determine if lounge access would be a necessity for future keeps. Club-level rooms are spread throughout the hotel, so if you want one close to the Portofino Club lounge, make a special request. Our room was quite a long walk from the lobby.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

We checked into a 490 -square-foot Club Level deluxe room that slept five with two queen couches and the option to add a rollaway for the fifth being at the rate of $ 25 a daytime plus tax.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

The entry door opened to a hallway with the lavatory on one side and the soggy forbid and closet on the other. The dry forbid had a Keurig coffee maker with a few cases pods( two French cook, one decaf chocolate, one light-green tea and two English breakfast ). There were sweeteners and half and half. An ice pail and glassware were tucked into the bottom shelf of the soak bar.

(Photo by Andrea Rotondo/The Points Guy)( Photo by Andrea Rotondo/ The Points Guy .)

The closet was spacious and outfitted with one bathrobe( kind of weird for a chamber with an residence peak of five people ), an ironing council and cast-iron, safe and luggage rack. A few more stairs contributed us to the bedroom.

My initial notion was,” Wow. This room is dark — even on a colors, fall day .” Lighting — or shortfall thereof — continued to be an issue in other parts of the recourse, from our chamber to the fraternity sofa to the Bice restaurant.

I pleased the chamber had a light fixture on the ceiling to help brighten it up. Later in the day, when the sunlight was in the right place, we did have more light-headed stream in through the floor-to-ceiling windows to help lift the room a bit. We missed a balcony, though. If that’s important to you, you’ll need to book a Villa, Hospitality, Governatore or Presidente suites, since those are the only room lists that offer balconies.

Loews Portofino Bay Hotel Universal Orlando( Photo by Andrea M. Rotondo/ The Points Guy .)

The room was pretty, with a rich blue-green color on one wall and cream on the others. The bed, with a padded headboard, peculiarity crisp, lily-white linens and was comfortable.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

Loews Portofino Bay Hotel Universal Orlando( Photo by Andrea M. Rotondo/ The Points Guy .)

There was one leather chair by the desk( though the online floor plan at the hotel’s website appearances two chairs ), an upholstered chair in the region and a neat, sturdy ottoman.

Light-colored furniture — a dresser/ Tv stand, nightstand and table — were all topped with a arise marble accent.

Loews Portofino Bay Hotel Universal Orlando( Photo by Andrea M. Rotondo/ The Points Guy .)

There was a small — and empty-bellied — minifridge in the dresser.

(Photo by Andrea M. Rotondo/The Points Guy.)( Photo by Andrea M. Rotondo/ The Points Guy .)

The one-drawer nightstand was between the berths and had two electrical outlet and a clock radio with USB ports.

(Photo by Andrea Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

There was an interesting cutout with privacy shutters between the bathroom and bedroom. It’s not entirely clear what it was for.

(Photo by Andrea M. Rotondo/The Points Guy.)( Photo by Andrea M. Rotondo/ The Points Guy .)

We continued the screens closed throughout our stay.

(Photo by Andrea Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

The table was wobbly but manipulated as a desk for our two laptops. We likewise grabbed takeout( pizza, salads, sandwiches) from Sal’s Sell Deli on the Harbor floor evening and had the meal in our room.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

The bathroom was plenty spacious. We liked the double vanity.

(Photo by Andrea Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

There was a separate shower.

(Photo by Andrea Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy)

The bathroom also included a bathtub.

(Photo by Andrea Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy)

Bathroom amenities were by Julien Farel and included hand and person paste, paw and torso launder, forbid soap, shampoo, conditioner and a shower cap. There was also a stash of cotton swabs and cotton bullets in a container on the vanity.

Loews Portofino Bay Hotel at Universal OrlandoOur lavatory was stocked with Julien Farel toiletries.( Photo by Andrea M. Rotondo/ The Points Guy .)

My husband’s favorite feature was the speaker that broadcast whatever was on the bedroom TV to the bathroom. A handy work control let you mute the sound.

Room charges included free internet, and the accelerate was fine for checking email.

The bay-view room we stayed in for our last-place nighttime were about identical to our Club room, with two monarches berths and room for a rollaway. On a return tour, we’d rather book a apartment with squad access again. Nonetheless, it’s good to know that the apartments don’t really differ.

Related: How to use Chase Ultimate Rewards points to buy Universal tickets

Food and liquid

Whenever probable, we book rooms that include squad access. We find appraise in a VIP-only area where we can decompress, ask questions of a knowledgable concierge and indulge in food and boozes that we don’t have to arrange on our own.

Portofino Club Lounge was a few steps beyond Bar American in the lobby.

(Photo by Andrea M. Rotondo/The Points Guy)Bar American( Photo by Andrea M. Rotondo/ The Points Guy .)

Club-level guests received a separate keycard to the lounge. I “think its a” fabulous alternative for houses, if they can find a area frequency that works for them. You save on drinkings and snacks, and the evening refreshments are enough to make a meal on many nights.

Kids under 13 weren’t allowed in the parlour without an adult. And access to the lounge expired at 11 a. m. on the day of checkout.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

Breakfast, from 7 a. m. to 10: 30 a.m ., included things like clambered and hard-boiled eggs, sausage, bacon, ribbed potatoes, broiled beans, oatmeal, bagels and toast, croissants, danish, muffins, result, yogurt and cereal. Liquors included chocolate, tea, liquid, liquid and soda.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

The breakfast spread was more in depth than I expected.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

There was a nice selection of fruit on offer each day.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

Afternoon snacks, from noon to 3:30 p.m ., were mostly packaged gives like Goldfish, Smartfood, Milano cookies, Rold Gold pretzels, Doritos and granola bars.

The light supper, from 5 p. m. to 7 p. m ., was the strongest food offering of the working day. There were crudites, yummy hummus, rotations and butter.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

The cheese and crackers were also fairly good.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .,)

Different hot entrees were available each evening. We experienced an incredible gathered pork that we paired with Hawaiian wheels. Yummy! On another night, the guild performed grilled chicken, ratatouille and orzo with sun-dried tomatoes and spinach.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

The cold salads were also good. Our favorite was the artichoke-and-beet salad, but there was also a quinoa-and-ham salad.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy)

Alcoholic refreshments( wine-colored and brew) are served from 5-8 p.m.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

We didn’t try any of the club’s desserts, performed from 8 p. m. to 9:30 p.m ., though they examined good. Several kinds of cookies were always offered, as were bite-sized desserts like white-chocolate-mousse apple cake, chocolate tarts and cheesecake.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

Two or three concierges were in the club at all times, and we experienced talking with each of them. They were friendly and always ready to offer advice or procreate restaurant reservations.

Related: How to get the most out of one day at Universal Orlando

You don’t go to a theme park hotel and expect gourmet cuisine, however did have a few nice banquets while at Loews Portofino Bay Hotel.

On our first evening, we had the concierge make reservations for us at Bice Ristorante. This eatery performing Northern Italian cuisine was lovely but fairly chilly. Since it was the off-season, the dining room wasn’t army at all, so waitstaff had time to talk with patrons, reach on-target food and wine-coloured recommendations and make sure imbibes and bread baskets were constantly surfaced up.

Related: Best credit cards for dining

We enjoyed the meal, but it wasn’t cheap. Cocktails straddled from $15 to $24, salads from $13 to $15 and pasta dishes between $23 and $31. Fish entrees averaged $37, and meat dishes like braised veal shank, grilled Cornish hen and rack of lamb averaged $42.

I had the gnocchi with gorgonzola cheese, and it was so good but rich!

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

We too sampled the breakfast buffet( included under the FHR rate) at Trattoria del Porto, which served breakfast, lunch and dinner.

The hotel was so empty when we inspected, I was worried that the buffet wouldn’t be offered — or that it would be meager — but I had nothing to fear. Despite illuminated bunches, the restaurant put forth a great spread. Baskets grumbled with all sorts of tarts, from croissants to danishes to muffins. We too ascertained wonderful cinnamon pecan flattens in a warming tray.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy)

There were also gluten-free options.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

In the cold meat division were deli flesh, cheese, lox, chopped egg, tomato, cucumber, olives, capers, onions and more.

(Photo by Andrea Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

Whole and sliced fruit were next to a selection of yogurt, nuts and granola.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

There were also plenty of hot items, like made-to-order omelets, French toast, pancakes, waffles, breakfast potatoes, blintzes, baked beans, ham, sausage and bacon. The banquet was a great value for big breakfast eaters or when included in your chamber rate.

Elsewhere in Portofino Bay, Mama Della’s Ristorante was more suited to class and had strolling musicians — if you like that kind of thing( we find it vexing ). Slews of class, including ours, told takeout from Sal’s Market Deli, which had a pizzas, sandwiches and salads. It was also a good plaza to grab a snack, like a return cup, cookies or a slice of carrot cake. There was also an on-site Starbucks and a gelateria.

Crowds were sparse, so the bar scene was ho-hum. It would have been more fun if the sofas had been humming … which I bet they are when there are more people staying at the recourse. The forbids included Bar American, with a nice men’s guild feel off the foyer, The Thirsty Fish, ignoring the waterfront, and the poolside Splendido Bar& Grill.

Related: What certainly is happening on a $3,000 Universal Studios private tour


This is Florida, so you want to know what your pool alternatives are at Portofino Bay Hotel. There were three alternatives, but the action was all at the Beach Pool.

Entry from a beach lagoon was oodles of merriment for little ones.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

The entire complex had a Roman aqueduct theme.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

And your family could hire a cabana.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

Activities like water-balloon tosses, puddle basketball and hula hoop contests were programmed throughout the day. There was also a pool table and big video arcade in this area.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

There are two quieter pools on quality: the Villa Pool, serving the west wing of the inn, and the Hillside Pool, handling the east wing.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

You could hire cabanas at both sets of spots.

(Photo by Andrea M. Rotondo/The Points Guy)( Photo by Andrea M. Rotondo/ The Points Guy .)

Besides the funds, there was a Mandara Spa offering rubs, body covers, facials, reverberate therapy, reflexology and more. The fitness hub was at the spa between the Beach Pool and the Villa Pool.

In the evenings, there was plenty to keep you busy right at nearby CityWalk or at the recourse. Couples may want to drop the adolescents off at Campo Portofino. This children’s centre renders recreations, arts and craftsmanships, movie lights and more for potty-trained children from 4 to 14.( The cost is about $15 per hour per offspring .)

Once the kids are determined at tent, don’t miss Musica della Notte( weather permitting ). Musicians forgivenes the balcony above the Harbor Piazza and perform a mix of classic opu and popera. We supposed this might be cheesy, but we loved it. There was slew of sitting on the piazza, and this was a fun way to relax after a period in the theme parks.


Many hotel employees made a good impression with their friendliness and excitement that seemed genuine. The front-desk staff, Portofino Club concierges and the craft shuttle chieftains are still particularly hiring. But I’ll go back to my advise about the size of this resort. It’s got a big footprint, and that signifies it’s tougher to meet the same staff twice or made a connection with anyone. You’ll likewise be out and about a lot, so you are not able meet your housekeeper at all. We didn’t see ours formerly during our inspect. That’s not a slew breaker, though since you won’t likely hang out at the recourse. For us, “its just” a home base for our sojourns into the theme parks and CityWalk.

Overall thought

If you have limited time at Universal Orlando and want to make the most of it, Loews Portofino Bay Hotel has a location that’s hard to beat. The complimentary craft shuttle to Universal Studios, Islands of Adventure and CityWalk stops you from wasting season on the travel, and if you’re looking for theming, the resort’s Italian architecture and decoration fit the bill.

However, with 750 areas, Loews Portofino Bay Hotel is big. After a long day in the commons, you may want to throw yourself a pity party as you walk back from the boat shuttle to your area. Your dogs will be barking. The sizing of the recourse likewise stimulates it impersonal. If we hadn’t remaining in a Club room for the first two nights and met the on-site concierges, we wouldn’t have made a connection with any hotel personnel, and that’s a shame. The personality of a inn should be reflected in its staff, but if you never met any of them, it’s a missed the possibilities for the property.

The hotel was in good shape despite celebrating its 20 th birthday this year. However, it does require a good freshen. The sound system at the prime reserve was broken, so conduct made a loudspeaker in its plaza. That want music was improbably raucous at one goal of the pool and barely audible at the other. If I had planned to spend time at the kitty, this would have been a major disappointment.

Housekeeping continued our office immaculate, but it was also in need of a refresh, with a rickety table that built me hesitant to keep my laptop on it. The good information is that the hotel’s guest rooms and suites is likely to be refurbished during the first and second districts in 2020. Harmonizing to its internet site, floor-by-floor renovations meant parts off of the hotel could be closed off by temporary walls and clients might discover creation racket. Indeed, we already watched evidence of construction. When we dined at Bice, a hallway adjacent was cordoned off.

Finally, this is not an inexpensive hotel. Though we got a good deal thanks to an off-season Florida-resident rate, it would’ve been overpriced without the discount. If you can live without the theming, you can stay for less at the nearby Hyatt Place Across From Universal Orlando Resort, Hyatt House Across From Universal Orlando Resort or the DoubleTree by Hilton Hotel at the Entrance to Universal Orlando. You can walk to Universal Studios, Islands of Adventure and CityWalk from all three of those assets. And if you’ve got World of Hyatt or Hilton Honors points to spend, it can be a great deal.

Would I stay at Loews Portofino Bay Hotel again? Yes, but I may wait out the first and second districts of its first year and visit again once all chambers and collections have been renovated.

Featured image by Andrea M. Rotondo/ The Points Guy

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Who has the best savings account in 2020?

Another year, another search for the best savings account! That’s right: It was almost exactly a year ago today that I was hunting for an online savings account so I polled you, the Get Rich Slowly readers.

Last year, Ally Bank was the clear winner. More GRS readers had their money there than anywhere else. But folks also liked Discover Bank, Synchrony Bank, and several others.

This year, it’s my girlfriend who is trying to find a better bank. Kim is perfectly happy with Ally — in fact, she’s a vocal crusader for Ally, which I find amusing — but at the same time, she’s curious if she can find a better interest rate somewhere else.

Seeking the Best Savings Account

After our family financial meeting on Thanksgiving, we agreed to restructure some of how Kim and I handle money together. Since we bought our country cottage in 2017, she’s been paying me $500 per month as a way of vesting into the house.

After discussing our goals (both individual and shared), we decided it makes sense for her to stop paying me “rent” so that she can route that money toward other goals instead. Plus, I’ve refunded the $13,750 she’d already given me. She wants to save all of this money toward the purchase of a second house, a vacation home and/or investment property. To that end, she’d like to find the best online savings account.

What does “best online savings account” mean to Kim? Well, interest rate is important, obviously, but it’s not the only thing. She also values ease of use and customer service.

“The only reason I’m looking outside of Ally is because I’ve seen better interest rates elsewhere,” she told me when I asked her for more info. “I’m looking for alternatives because I want the highest yield. CDs would be okay but their interest rates are no better right now.”

While a high interest rate is important, it’s not the only factor in her search. “Honestly, I’ve considered USAA as well because they’re so easy to work with and their customer service is awesome,” Kim says. “I’ve had twenty years of good experience with them and I trust them. I’m trying to weigh out trust, interest rates, and risk.”

When she left for work this morning, she said, “Can you do some research for me?”

Can I, a personal-finance writer, do some research about savings account interest rates for my girlfriend? Why, of course! I’d be happy to.

Current Top Savings Accounts

The company that used to own this website — with whom I still have a business relationship — has a handy tool that allows folks to look at a lot of today’s top online savings accounts. Here are a few of their current top offers:

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I’m going to point Kim to this list so that she can do some of her own research. But I’ve also done some digging on my own to come up with a list of free savings accounts that she might want to consider.

Based on your responses to this question last year, and based on Kim’s own preferences, here are some of the best online savings accounts for her situation. (These interest rates are accurate as of 21 January 2020. They’re subject to change.)

  • USAA offers two savings accounts. Its standard savings account currently has interest rates ranging from 0.09% to 0.15%, depending on balance. That’s not great. Its “performance first” savings account actually offers lower rates for balances under $10,000 (whuh?), but gradually increases the interest if you stash away a lot of money. If you have over one million in savings, for instance, your rate is 1.06%. But do I need to tell you that it’s foolish to have a million dollars in a savings account yielding just over one percent? Because it is. As much as Kim loves USAA, this isn’t a good option.
  • Ally Bank, which is by far the preferred online savings account of GRS readers, currently offers an interest rate of 1.60%. As I say, this is where Kim currently keeps her savings, and it remains a solid option. It’s not the highest interest rate, but it’s good enough and she knows she likes the company.
  • Capital One, which used to be ING Direct (the former darling of the personal-finance world), has a performance savings account is currently yielding 1.70%, which is good. Plus, we still have accounts with them. (Note: If you’re an old ING Direct or Capital One 360 customer, check your interest rate. For some reason, they’ve “grandfathered” old ING accounts into a 0.60% interest rate, which makes me cranky. If this has happened to you, you’ll want to move to the new, higher-interest savings account.)
  • HSBC currently has a great interest rate — 2.00%! — and no minimum balance. It was an ad for this account that prompted Kim to start her search. The downsides? This is an online-only savings account. Plus, GRS readers don’t like HSBC. They’ve had poor experiences with the company. Does that mean Kim shouldn’t put her money here? No. But it does make us a little leery.
  • Discover offers an online savings account with a 1.70% APY. No minimums to open, no minimum balance, and no fees. This was the second choice among GRS readers in 2019 and looks like a solid choice.
  • Synchrony currently has a 1.70% APY and no fees. It also offers an ATM card, which isn’t common with online savings accounts.

Last year, GRS readers also liked online savings accounts from American Express (currently 1.70%), Marcus by Goldman Sachs (1.70% APY), and Alliant Credit Union (1.65% APY). For more options, check out this list of current rates from Doctor of Credit.

The Impact of Compound Interest

Ultimately, Kim will have to make this decision on her own. I’ll send her a link to this article and let her decide what she wants to do. I don’t think there are any bad options here. (Well, I don’t think she should put her savings in USAA, even though they’re a great company. The interest rate is too low.)

Out of curiosity, I decided to use the compound interest calculator from the U.S. Securities and Exchange Commission to see just how much of an impact interest rate would have on Kim’s savings plans.

The impact of interest rate on online savings accounts

Assuming she starts with $13,750 and makes $500 monthly contributions, then:

  • At a 0.01% interest rate (common at large banks right now), she’d have $43,764.25 after five years — only $14.25 more than if she put the money in a piggy bank. After ten years, she’d have $73,793.52, or $43.52 more than if she did nothing.
  • At a 0.10% interest rate (similar to USAA), Kim would have $43,892.79 after five years or $74,186.66 after ten years. Better than the big banks, but not by much.
  • At a 1.60% interest rate (similar to Ally), she could have $46,105.41 after five years or $81,153.74 after ten years. Ah, that’s more like it.
  • At a 1.70% interest rate (common among many online savings accounts right now), her nest egg would grow to $46,257.75 after five years or $81,647.37 after a decade. That’s a $500 difference from a 1.60% APY over the course of ten years.
  • At a 2.00% intertest rate (similar to HSBC), Kim might have $46,718.51 after five years or $83,151.32 after ten years. That’s nearly $10,000 more than if she were to stash her money at Bank of America or U.S. Bank!

Which online savings account will Kim choose? Time will tell. In the meantime, let us know if you’ve made any changes to where you keep your money since the last time we asked you a year ago.

In my research, I also came across the Consumers Credit Union rewards checking account, which just might be the best deal out there…if you’re able to jump through some hoops. If.

For balances up to $10,000, you can earn 3.09% if you accept electronic documents, make at least 12 debit-card purchases totaling more than $100 per month, and receive more than $500 electronically each month. If you spend more than $500 each month on a Consumers Credit Union credit card, that rate climbs to 4.09%. And if you spend more than $1000 per month on that credit card, your APY is 5.09%.

If you don’t meet these requirements, you get 0.01%. And you only get that high rate on your first $10,000 in savings. Anything over that earns less — much less (from 0.10% to 0.20%).

This is a very conditional account, but if you meet those conditions, it’s amazing. It doesn’t work for Kim’s purposes though.

The post Who has the best savings account in 2020? appeared first on Get Rich Slowly.

Best App To Make Money From Your Phone (2019-20) Malayalam

#moneymake #make #money #support #chottamedia App link; https :// collect/ apps/ items? id= com.digisol.thinkpe If You’re looking to make money online And labor from Home from your Smart phone they make sure To watch This Video …

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19 Legitimate Ways to Make Money from Home

So you’re looking for ways to make money from home… Join the crowd!

Thanks to a genius invention called the internet, Americans are discovering more and more creative ways to cushion their bank accounts from the comforts of home.

Not sure where to start? Pour yourself a cup of coffee (or glass of wine), and keep reading.

How to Make Money From Home in 2020

If you’re looking to make money online, you’ll need to exercise caution. There are a lot of scams out there, but don’t fret: We’ve tested dozens, if not hundreds, of different money-making strategies and included only our favorites.

Yup — none of them involve Nigerian princes, and you really will get paid.

Without further ado, here are 19 legitimate ways to earn extra cash from home.

    1. 1.Earn Cash While Watching Cooking Videos Online

      auto credit v1

      If we told you that you could get paid to watch videos on your computer, you’d probably laugh.

      It’s too good to be true, right?

      But we’re serious. A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

      All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.

      No, InboxDollars won’t replace your full-time job, but it’s something easy you can do while you’re already on the couch tonight wasting time on your phone.

      Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

      It takes about one minute to sign up, and you’ll immediately get a $5 bonus to get you started.

    2. 2. Play Free Scratch-off Tickets

      Friends playing together with Lottery scratch game ticket.

      There’s something so satisfying about those gas station scratch-off tickets, but it’s better to avoid them because, well, that’s not Penny Hoarding.

      Instead, try scratching for free using an Android app called Lucktastic. (It’s called Lucktastic Match for iOS.) Each day, it releases a new assortment of digital scratch-off tickets. Lucktastic says instant wins range from $1 to $10,000. You can also earn tokens that you can exchange for free gift cards to retailers including Amazon, Walmart, Kohl’s, Sephora and more.

      The app is supported by advertising, which allows it to keep the payouts high and the games free. For more info, check out our full review.

    3. 3. Earn up to $60/Hour Helping Small Business Owners

      A man works on a notepad while he sits on a picnic table.

      Does earning $60 an hour sound appealing? And you don’t even have to leave your house? Oh, and you get to help others.

      Those are the perks of working as a bookkeeper, says Ben Robinson, a certified public accountant and business owner. He teaches others to become virtual bookkeepers through his online course, Bookkeeper Business Launch.

      You don’t have to have a CPA to be successful in this business. In fact, all you really need are decent computer skills and a passion for helping business owners tackle real-world problems.

      It’s a great opportunity for moms who want to work part time, millennials who are just out of college and anyone who wants to bring in real money while working from home.

    4. 4. Get Paid for Your Opinion

      Swagbucks is definitely a reader favorite, probably because of the wide variety of ways to make money beyond taking surveys. It’s also famous for handing out free rewards points (called SBs) at random just for being a member. 

      You’ll get SBs for each survey you qualify for and complete that you can redeem for cash via Paypal or gift cards to a number of popular retailers, including Amazon.

      Even better? You’ll earn a 500 SB (or $5) bonus when you sign up and earn 2,500 SB within your first 60 days.

    5. 5. Turn Those Crumpled Receipts Into Free Gift Cards

      What do you usually do with your receipts? You check out, they hand you a mile-long piece of paper, and you frantically stuff it to the bottom of a grocery bag. Pretty worthless.

      But a free app called Fetch Rewards will turn them into gift cards. It partners with tons of brands to give you points for every grocery receipt you share. Then you can exchange them for gift cards to places like Amazon, Walmart, Chipotle and dozens of other retailers.

      And it’s perfect for those of us who don’t want to put a ton of work into this. All you have to do is send Fetch a photo of your receipt, and it does everything for you. No scanning barcodes or searching for offers — and you can use it with any grocery receipt.

      When you download the app, use the code PENNY to automatically earn 2,000 points when you scan your first receipt — you’ll be well on your way to your first gift card.

      Not so bad for a useless receipt, right?

    6. 6. Get Paid When Your Neighbor’s Dog Spends the Night

      Free Traffic Generator

      We all want an extra paycheck, but none of us want to get a second job — we’re already exhausted from the first one. Or maybe you’re disabled, retired or a stay-at-home parent who needs a little extra money in the bank.

      What if there were a way to do that and get your puppy fix at the same time?

      Rover is a website that connects neighbors who need a dog sitter with people who love having an extra dog (or two) spend the night. 

      The average Rover sitter earns $450 a month, but we spoke with stay-at-home mom Bryn Wied, who quickly started earning upwards of $500. 

      “Within two months, I was turning away business,” says Wied, who dog sits in California. “Within three months, I raised my prices to what everyone else was charging.”

      It’ll take a little effort upfront, though (to filter out all the Cruella de Vils). You’ll create a Rover profile where you’ll answer questions about your experience with puppers and set your availability and prices.

      Dog owners will reach out to you, and before you know it, you’ll be snuggled up with all the neighborhood dogs — and making extra money.

    7. 7. Copy This Strategy to Get Checks in the Mail Totaling $526

      free traffic to my website

      Remember when getting the mail was fun? Now it’s just bills. And Valpak envelopes.

      But for Colleen Rice, checking the mail meant finding checks. For doing nothing. Seriously. Since she started using a free website called Rakuten, she’s received $526.44.

      Rakuten has the hookup with just about every online store you shop, which means it can give you a kickback every time you buy toilet paper on Amazon — even book that flight home for Thanksgiving.

      Rice says she uses Rakuten for things she already has to buy, like rental cars and flights. She even used the money she earned to help her pay for her recent cross-country move.

      It takes less than 60 seconds to create a Rakuten account and start shopping. All you need is an email address, then you can immediately start shopping your go-to stores through the site.

      Plus, if you use Rakuten to earn money back within the first 90 days of signing up, it’ll give you an extra $10 on the first check it sends you.

      Talk about money for nothing.

      8. Create an Online Course

      You don’t need experience or a degree to make money teaching on Udemy.

      If people want to learn what you have to teach, you can create a potentially profitable video course at home. Curious? Learn more about how to create a Udemy course.

      9. Sell Your Crafts, Vintage Finds and Even Project Supplies

      A woman goes through her old clothes to sell online.

      If you’re creative, you can make some decent money selling your work through Etsy. Although there are some fees, including a 5% transaction charge, the marketplace connects you with more than 33 million buyers globally.

      That’s a whole lot of potential customers.

      Pro Tip

      Establish a strong brand and backstory. Connecting with customers makes them more likely to spend time on your shop.

      Even if you aren’t creating masterpiece paintings or elegant jewelry or adorable baby clothes, you can still make money through the platform. For example, one Penny Hoarder contributor, Janet Berry-Johnson, made about $200 a month selling needlecraft kits and patterns.

      Maybe you’re more of a vintage type? Adventure through flea markets and even eBay to find vintage items you can fix up and resell through the platform.

      10. Make Your Own Schedule as a Data-Entry Clerk

      man working at home on computer and smartphone

      Data entry isn’t the best-paying work-from-home job, but it is one you can do with few skills or previous experience — all you need is a solid internet connection and a computer, and you must be at least 18 years old.

      Pay ranges on a per-hour or per-project basis. Typically, you can pick up jobs as frequently as you’d like through freelance broker sites like Smart Crowd and Clickworker.

      11. Write and Sell an Ebook

      Smiling woman enjoying at home and using digital tablet.

      If you’re a subject-matter expert or have an intriguing life experience, you could write a book. But there’s no need to send it off to all the major publishing houses in New York City.

      You can self-publish ebooks through Amazon’s Kindle Direct Publishing platform. Writer Steve Gillman wrote a book in a week. Yup, Ebooks don’t have be hundreds of pages long. Gillman found many books as short as 6,000 words.

      After publishing on Amazon, he started making $350 a month. The best part? He continued to make money, even months and years later.

      12. Get Your True Crime Fix by Joining a Mock Jury

      A laptop sits on the lap of a woman who is sitting on the floor.

      Jury duty isn’t always fun, but what if you could do it from the comfort of home? Becoming an online mock juror can be an interesting way to make some extra money.

      Here’s how it works: Attorneys present cases to online juries as a way to test it before trial — to find that’s working and what isn’t and craft the best arguments.

      You can sign up as an online juror through a site like eJury. When a new case is submitted, you’ll be notified. Jump in to review the case and answer questions. You can earn $5 to $10 per case, depending on its length.

      13. Do Calligraphy on the Side 

      An array of handwritten wedding invitations and decorative items.

      Maybe you don’t want to be a content writer, but if you have excellent handwriting skills and a set of calligraphy tools, you can address envelopes. You could make $2 to $5 a pop just for being a talented calligraphy writer.

      It doesn’t sound like a lot, but book a wedding with 100 guests, and you could rake in $200 or more for handwritten invites.

      Launch your own website to sell your services, or offer calligraphy through Etsy. For example, Margo Dittmer gets creative with her calligraphy services and sells custom wedding certificates for $175 each on Etsy.

      14. Make Money Doing Voice-Overs

      A microphone. The background is blurred.

      Janna Polzin, a stay-at-home mom in Toronto, earns money by talking to herself. In her closet.

      After her son was born in 2013, the stage actress turned to the online acting community and kept hearing about one voice-acting platform again and again:

      “I often walk away from my computer thinking, I can’t believe I just made money from that!” she says. is an international online voice-over acting marketplace that helps vocal talent — both professional and amateur — find clients who need them.

      15. Use Your Type-A Skills as a Virtual Assistant

      A woman sits on a sidewalk bench and works on her laptop.

      If you have a knack for organization and communication, you just might make the perfect virtual assistant.

      These days, you don’t have to be the busy corporate assistant you see in old movies or on TV. You can work right from your couch.

      Folks will pay you to help schedule their days, answer emails, update their website, run social media accounts and book travel accommodations — all from the comfort of your couch.

      To find open virtual assistant jobs, peruse some of these work-from-home job boards.

      16. Help Make the Internet Better as a User-Tester

       Did you know you can get paid to poke around on websites and test out apps? It’s called user testing.

      Basically, companies will pay regular folks like us to offer feedback on websites and apps. How’s the design? Can you find your way around? Have questions that aren’t answered?

      You can make up to $60 per test through sites like UserTesting. The best part? You don’t need any user-testing experience — just a solid internet connection.

      17. Become a Freelancer and Set Your Own Hours

      Have you considered freelancing? You can operate as a freelancer in just about any industry — from freelance writing to accounting to design to web development.

      If you’re just starting out, consider finding gigs through freelance platforms. This will help you gain experience and connect with clients — without having to put a whole lot of work into marketing your services.

      18. Sell Your Photos (Even If You Took Them With Your Phone)

      Someone taking a photo of food on a table with a smartphone app.

      Fancy yourself a solid amateur photographer? Instead of posting all day, every day, to Instagram, why not turn your work into some extra cash?

      Start with a stock photography marketplace like Foap.

      Download the Foap app, then upload your photos — even if you took them with your phone. When your photo is purchased, you automatically profit. Because Foap does most of the legwork, you’ll split the profit 50-50.

      Want to go even bigger? Upload high-quality images to Shutterstock, one of the more popular stock photography sites. Each time your photo (or video) is sold, you pocket up to 30% of the sale price (while retaining the copyright).

      19. Earn $12/Hour Doing Random Google Searches

      Search engines (think: Google, Yahoo and Bing) use complicated algorithms to determine the results you see — and they don’t always get it right.

      Although these algorithms are “smart,” they’re also prone to errors. Imagine searching for photos of hummingbirds — only for a photo of a seagull to pop up. Or maybe you’re looking for some news on immigration — only to find you’re reading a tabloid site.

      That’s where humans can intervene as search engine evaluators. It’s your job to analyze search results and judge them based on quality, relevance and usefulness. And you can earn around $12 an hour or doing so.

      We suggest you start by looking at Lionbridge job openings. The tech company is often hiring, so even if you don’t see any openings now, keep checking back to The Penny Hoarder’s online job portal

Our Favorite Work-From-Home Advice

Making money from home sounds all glitz and glam — and it can be, in a sweatpants kind of way. But there are also things you need to know before fully diving in. Here are a few resources to help you get started:

Happy working from home!

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

10 Legit Ways to Make Money From Home in 2020

I’ve worked from home my entire career.

Seriously, my last office job was as a marketing intern at the American Alpine Club after college.

And I’m never going back, I’m all-in on working from home. I’m not the only one either, 91% of remote workers say it’s a good fit for them.

But what if there aren’t any remote gigs open? How can me make the jump to working from home?

I put together 10 ways to make money from home, along with tips for getting started. Anyone can do these and they don’t require any previous skills. If you’re willing to put in the effort, you can make the jump to working from home too.

1. Virtual Assistant

If you’re a seasoned office worker or former secretary or assistant, working as a virtual assistant could be a great way to earn money from home. Sites like Upwork,, and Fiverr feature numerous virtual assistant jobs for people proficient in data entry, project management, business software tools, and other tasks.

If you’re organized and well-versed in technology, you can have your pick of virtual assisting jobs. It’s also important to be a good communicator, as you’ll often work with entrepreneurs and busy professionals who need tasks accomplished quickly.

One downside of virtual assisting is that it’s quite competitive. And much of that competition is international which can do work at much lower rates since they have a lower cost of living.

However, that doesn’t mean there’s no space for you. If you’re just starting out, one strategy is to browse through existing profiles. See what kind of services other virtual assistants offer. You’ll see everything from data entry and transcription to graphic design and customer service support.

When it’s time to set up your profile on job sites, be specific about what types of skills you offer. Try to focus on a single skill set that has more demand than others. You’ll be able to charge higher rates and get more work.

As you accumulate reviews, you may even find that users seek you out. Many experienced virtual assistants have long-term customers who keep them busy with work.

2. Online Teacher or Tutor

Do you have a teaching degree? Or maybe you’re an experienced tutor. If you have an education background, online tutoring might be the perfect work-at-home job for you.

With the increasing popularity of virtual schools, there are plenty of job openings for remote teachers. Online public schools like K12 and Connections Academy hire qualified teachers to work with students in a virtual classroom.

If you like the idea of tutoring but you don’t have a teaching degree, don’t worry. There are still plenty of opportunities for people who have a passion for working with students.

For example, sites like Tutor Me and Skooli offer tutoring opportunities for people skilled in a particular subject area. While you don’t necessarily need a teaching background to qualify, you must possess certain education or mastery in the area in which you would like to tutor.

If you qualify, virtual tutoring can be quite lucrative. Skooli tutors earn $25 per hour. Tutor Me pays its tutors $16 an hour, and the site gets great reviews from tutors on Glassdoor.

3. Airbnb Host

If you have a spare room or second home, you can put it to work for you by becoming an Airbnb host. Airbnb has become massive, many folks have built entire businesses off it. In the little over 10 years Airbnb has operated, its listings have grown by more than 100 percent every year.

If you’re a property owner, you can join the ranks of homeowners making extra income by renting out rooms or properties. According to one report, 82 percent of people who offer listings on Airbnb say it’s a good way to make money.

On average, Airbnb hosts make $942 per month on their properties. If you have the ability to rent out a small apartment or separate floor on your property, you could possibly make more.

4. Social Media Manager

Many business owners make the mistake of thinking social media is easy. Once they create an account and start posting, however, they quickly realize that creating effective social posts is more difficult than it looks.


In some cases, business owners lack the skills or bandwidth to manage their company’s social media channels. Coming up with content, posting regularly, and responding to folks simply takes too much time. It’s easy to de-prioritize.

This is where social media managers come in. If you love all things internet, and you’re a good writer, running a company’s social media accounts could be the work-at-home job of your dreams.

To get your foot in the door, it helps to have experience in building social audiences. If you can point to profiles that you’ve grown and have engaged audiences, you shouldn’t have any problem getting clients. Even if you’re starting from scratch, take 6-12 months to get good at it and then look for work. Anyone can do this.

You can find social media manager opportunities on various sites, including Fiverr, Indeed, and Monster. When you search these sites, just make sure to narrow the field to show “remote” postings only. That way you’re not wasting time combing through on-site jobs.

5. Craigslist or eBay Seller

You don’t need your own ecommerce site to make money selling products online. If you’re a savvy bargain hunter, you can resell the items you find on sites like eBay or Craigslist.

These sites make it easy to post items for sale in exchange for paying the site a small commission on the money you earn. If you work out of a home office, you may even be able to write off many of your office supplies and other business-related expenses on your taxes.

You can find a ton of inspirational stories about successful eBay entrepreneurs, such as the mom who started a five-figure business reselling items she found in stores and thrift shops.

To get you started, check out our guide on how to make money on eBay.

6. Graphic Designer

Because graphic design is a visual artform, it lends itself to an online business model. Graphic artists can work from anywhere.

Moreover, the majority of businesses can’t thrive without an online presence. This means they need logos, social media header designs, custom signatures, and more. There’s plenty of design work to go around.

Sites like Fiverr, Dribbble, and 99Designs are great places to showcase your work as an artist. Talented graphic designers on Etsy offer everything from custom logo design to entire branding packages.

7. Child Care Worker

If you love working with children, you can use your babysitting skills to earn extra money at home. Sites like and Sittercity let you list your profile and qualifications so interested families can connect with you online.

You can make your profile stand out by earning relevant certifications. For example, being qualified in CPR or basic first aid can help separate you from the crowd. As a bonus, having these specialized skills means you can charge a higher rate for your services.

If you’re flexible, you can even expand your offerings to senior care and pet care. In some cases, people looking for these services may prefer you to come to their house to work. However, you may also be able to find families willing to let you carry out your duties in your home.

8. Freelance Writer

If you’re good with the written word, content writing or copywriting might be a career path worth pursuing. I did a lot of this myself in the early days. If you have specialized expertise in a certain area, that’s a great way to stand out.

When I was getting started, I got certified in Google Analytics. There were plenty of Google Analytics experts that couldn’t write. And plenty of writers that didn’t know anything about analytics. I was one of the rare exceptions that could do both. This is how I got my first big gig at an analytics startup that led to a full-time remote job.

Sites like WebMD and hire physicians and other health professionals to write articles for their websites. You can find job postings on Glassdoor as well as the WebMD job board.

But what if you don’t have a doctor’s lab coat lurking among your professional qualifications or a certification like I had? Get one. The certification I got cost me $100 to take the test and a few weeks studying a book that cost $30. So only $130 in total. Peruse the technical section at book stores and look for professional software manuals that could lead to certifications.

Getting a certification isn’t a requirement but it does help.

However, you should definitely be proficient at writing. It also helps to have experience writing for the web. If you’re new to online writing, you can start by creating your own blog and posting regular content. Once you have a portfolio of work posted online, you’ll have a much easier time when applying for gigs.

When you’re ready to look for writing jobs, some great places to search are Media Bistro and the ProBlogger job board.

9. Artist

Are you a skilled artist, woodworker, painter, or craftsperson? You can turn your hobby into a profitable side business by listing your wares on sites like Etsy. The company is the top destination for buyers looking for unique and custom artwork, jewelry, and crafts.

Etsy’s user base and profits reflect the site’s popularity. At the end of 2017, the site had 33.4 million active buyers and earned $1 billion in gross merchandise sales.

One woman launched her own design and furniture-making business using locally sourced reclaimed wood. Her Etsy business became so popular, she was able to transition to selling pieces on her own website as well as popular home goods stores like Wayfair and Houzz.

10. Bookkeeper

If you have accounts receivable or secretarial experience, consider bookkeeping as a work-from-home job. You don’t need an accounting degree to build a successful bookkeeping business, but you should possess relevant experience or certifications.

You can find a number of affordable bookkeeping courses offered online, with most taking just a few months to complete. You may also be able to sign up for a certification course at a local community college in your area.

The great thing about bookkeeping is that it never stops. Every business needs to do it every month. So once you get a client, you’re likely to keep them for awhile.

Once you have the skills you need to work as a bookkeeper, you can find plenty of job opportunities on Indeed, FlexJobs, and ZipRecruiter.

10 Legit Ways to Make Money From Home in 2020 is a post from: I Will Teach You To Be Rich.

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