Upcoming: Art & Animals in the Age of AI and Bio-Engineering

Upcoming: Art & Animals in the Age of AI and Bio-Engineering

Public announcement!

Next month, I’ll be giving online classes on the theme of Art & Animals in the Age of AI and Bio-Engineering with the School of Machines, Making & Make-Believe.

Aptos
Maurizio Cattelan, Novecento, 1997. At Castello di Rivoli

If feels a bit strange to launch this class in the midst of a pandemic, at a time when inboxes are overflowing with offers to watch virtual visits of museums and online performances. And yet, here I am, suggesting that you spend even more time in front of your screens.

The classes i gave two years ago, A mapping of socially-engaged creative practices, brought me a lot and gave me the opportunity to meet some super interesting people. And I REALLY miss meeting people after several weeks of lockdown here in Northern Italy. This year, the class is still going to have elements of socially-engaged practices but it will focus on non-human life. Microscopic and massive. Extinct, endangered, wild, familiar, lab-grown or “tech-augmented”. And because -as we are painfully learning right now- everything is connected, the classes will also be looking at the world that animals inhabit and where they encounter fungi, trees, bacteria.

During the classes, we’ll be looking at taxidermy, de-extinction programmes, robotics, bestiaries, “invasive” species but we will also discuss the ethics of working with animals and more generally of exhibiting life inside museums and galleries. The main objectives will be to investigate the shifting paradigms of the living world and to reflect on the possibility of co-evolving in a more sympathetic and mutually beneficial way with other living entities.

The full description of the classes is over here.

artificial intelligence
Brandon Ballengée, DFA136: Procrustes, cleared and stained Pacific tree frog collected in Aptos, California in scientific collaboration with Stanley K. Sessions (from the series Malamp Reliquaries), 2013

auto credit v1
Búi Adalsteinsson, Fly Factory, 2014. Photo by Istvan Virag

The online classes will be taking place over the course of five weeks, two hours each week. The first session will be a crucial but informal “getting to know each other” event during which i will also be taking notes of any special curiosity and interests participants might have. I wrote down a break-down of the classes on the description page but it’s not a rigid one. If there’s a strong request to focus a whole evening on say, farm animals or fungi only, we can do that.

If you feel extra studious, extra self-isolated or if you prefer to learn about the connections between art and the human body, I’d also recommend having a look at Marisa Satsia‘s online classes on Medical Bodies.

Marisa’s classes take place on Tuesday. Mine are on Monday.

Classes are live meaning that you can directly interact with the instructor as well as with the other participants from around the world. Classes will also be recorded for playback if you are unable to attend that day.

The school is offering a limited number of pay-what-you-can tickets to take part in this class. Preference given to women, POC, LGBTQ+ and persons from underrepresented communities who would otherwise be unable to attend.

This way to join!

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Virginia Cavaliers at Miami Hurricanes NCAAM Pick – March 4, 2020

-1.5SPREAD -1 10 ODDS

MY PICK

Cavs

PLACE BET!

ACC league

In our picking yesterday, I thanked the bet populace for always being on the wrong side of specific actions and moving an opening number that was a sharp one, to a closing numeral, that had a ton of value. We got to back the Iowa State Cyclones, coming +6.5 -points as home hounds, against a West Virginia team that had lost six out of their previous seven games and had been awful on the road all season long.

The opening direction was Iowa State -4, and those extra two and a half points were significant differences as the Mountaineers won this tournament 77 -7 1, and we covered by half of a point, that we probably didn’t deserve. A half of a point that we only got because the public never realizes that too much of a good thing isn’t a good thing.

West Virginia picks up a big road win, defeating Iowa State, 77 -7 1! #HailWV pic.twitter.com/ Ap6tIhsKcc

— WVU Basketball (@ WVUhoops) March 4, 2020

In reality, we probably should have comprised the -4-points as well, as this competition was tied up at sixty items apiece with simply over five minutes left in the game and was still merely a two-point game with sixteen seconds left on the clock. But that is why those extra couple of spots supplement so much value, they are insurance if the projectile doesn’t bounce your channel late.

The loss was just another in a long line of letdowns this year for Iowa State as they continue to play out the poke of a very frustrating season in Ames. For West Virginia, they had to have the win, and they delivered, although it wasn’t very quite. But at this level of its first year, triumphs are makes, and the Mountaineers picked up the much-needed W. For today’s daily potting pick, we will head to the ACC, as the Miami Hurricanes host the Virginia Cavaliers.

Today’s Game

Virginia Cavaliers( 21 -7) at Miami Hurricanes( 14 -1 4) Watsco Center, Coral Gables 6:00 PM PST TV: ACCN

The Miami Hurricanes host the Virginia Cavaliers tonight in an ACC league game between two teams pate in opposite guidances. After coming into the season with dreams of playing towards the top of the ACC and making a trip to the NCAA tournament, the Hurricanes have frustrated, as they are just 6-12 in league play and 14 -1 4 overall. The Hurricanes haven’t beaten a team graded better the 95 th on kenpom since December and are hoping to protect their home floor tonight against a surging Virginia team.

March basketball baby…

IT’S HERE. pic.twitter.com/ bYi5k 4B2vg

— Canes Hoops (@ CanesHoops) March 4, 2020

For Virginia, the Cavaliers have won nine out of their last-place ten plays, including six straight. They are coming off of a thrilling victory over forum kingpin Duke in their last tournament and are just one activity back of three crews for the regular-season ACC title. The Hoos have won three consecutive artery plays in conference play and it is necessary clear that four straight tonight to keep pace with Duke, Florida State, and Louisville for the league deed.

Spread:

Virginia -1. 5( -1 10) Miami +1.5( -1 10)

Money line:

Virginia -1 20 Miami +110

Total Points:

Over 119.5( -1 10) Under 119.5( -1 10)

Virginia Cavaliers

Tony Bennet’s team has been coasting under the radar for much of the season. His team is used to getting a lot of national spotlight after earning the national championship last season, but after a sluggish start to the year that sight them lose to units like Purdue, South Carolina, and Boston College, the media took their scrutiny elsewhere. But after slapping off Duke last week, the media is taking a second look at his squad and liking what they see.

As is always the case for a Tony Bennet instructed squad, this Cavaliers team plays elite defense and a very slow pace. They increase the number of properties by each team to one of the lowest totals in the society, and they procreate you work for every point. They deemed Syracuse, James Madison, and Virginia Tech to final tallies in the thirties, and poverty-stricken Maine controlled only twenty-six points against this avariciou protection.

That strong D has led Virginia to signature triumphs over Duke, Florida State, North Carolina, Arizona State, Vermont, and Syracuse this year. And while an ACC title is likely out of their contact with simply one week left in the regular season, the Cavs still have a lot to play for as Joe Lunardi currently has them slated as a nine seed, much different from the top line seeds they have grown accustomed to getting in Charlottesville.

Miami Hurricanes

There precisely isn’t a lot of good things that can be said about this Miami Hurricanes squad this season. They have a total of two reasonable winnings, and those came early in the season against Illinois and Clemson, two teams that would likely blow them out now if they represented again. All twelve of their other acquires have come against teams at, or below, the top-1 00 on kenpom.

I guess the one nice thing you can say about Miami is that they are decent at home. Eight of their acquires have come at the Watsco Center. But they do have home losses to NC State, Florida State, Duke, and Louisville. A win over Virginia tonight would be the best win of the season for Miami.

Who Do I Like?

As bad as Miami has been, they really simply lose to good crews at home. But that being said, this Virginia team is a good one. Virginia has makes over three of the four crews that have shaped Miami in Coral Gables, and while you don’t want to go too far down that rabbit flaw, it does tell us that Virginia is on the same level as the teams that might be possible to acquire at Miami this year.

And while Virginia is clearly the superior unit in this matchup, that course is likely to be in play all light and manufacture us sweat. When you look at Virginia’s triumphs along the road this year in league play, this unit has a knack for acquiring close games.

They thump Virginia Tech by three, Pittsburgh by three, North Carolina by two, Wake Forrest by two, and Georgia Tech by five. They have been able to earn too many of these close tournaments to call them lucky, but you don’t want to find yourself laying a bunch of lumber on Virginia on the road right now.

The Bet

This line opened up at Virginia -1. 5-points. Some bibles are still at that opening figure, while others have adjusted up to -2, and I even picture got a couple of notebooks posting -2. 5’s. As you always should be doing anyway, you might have to line shop a bit to get the right quantity in this one. We saw last night how important it is to get every single point you can get, so don’t catch yourself agreeing for a mediocre count.

If you can find Virginia -1. 5, and they are still out there, fastening it up now before it changes. If you see it at Virginia -2, and that is the best you can get it at, I still think it has ethic. But if the line gets up to -3 or even more, I would stay away. The world cherishes to push a number harder than they should, don’t get caught on the wrong side of that tonight. Give me the Virginia Cavaliers laying a extent and a half tonight in Miami!

The Bet: Virginia Cavaliers -1. 5

My Pick

Virginia Cavaliers -1. 5

-1 10 Place Bet Now !

Read more: thesportsgeek.com

Here’s How 5 of the Best Grocery Delivery Services Compare

Here’s the problem with grocery delivery services.

It’s not that they’re too expensive. It’s not that the inventory options are limited. It’s not that having someone else pick your produce feels weird.

The real problem is it’s hard to figure out how much they really cost.

Every grocery delivery service that lets you order online before dropping bags at your door distills its “How it Works” page down to about three steps. Order, pay, receive. None of them are upfront about how much the service costs per month or per order. 

I’m not trying to tell you the cost, whatever it is, isn’t worth it. I’ll be the first to leave the shopping and driving to someone else who can do it more efficiently than I can. 

But when you have to dig around for pricing, restrictions, delivery times and other information about the steadily increasing number of grocery delivery services, you can lose sight of sensibility. You can get sucked into the novelty of ordering leeks through an app without thinking about how the service fits into your grocery budget.

So to cut through all the marketing speak, I’ve broken down the details on five widely available grocery delivery services. Review the list before you sign up for a delivery service, and order those leeks with confidence.

But when you have to dig around for pricing, restrictions, delivery times and other information about the steadily increasing number of grocery delivery services, you can lose sight of sensibility. You can get sucked into the novelty of ordering leeks through an app without thinking about how the service fits into your grocery budget.

So to cut through all the marketing speak, I’ve broken down the details on five widely available grocery delivery services. Review the list before you sign up for a delivery service, and order those leeks with confidence.

5 of the Best Grocery Delivery Services Compared

1. Instacart

a woman holding flowers and a green shopping bag

What: Delivery is available from a variety of grocery stores in your area, including drug stores, pet supply stores and, in some areas, liquor stores.

Where: Instacart is available in all 50 states, plus Washington, D.C. Check out the full list of locations.

Pricing: Instacart’s rundown of available stores in your area includes notes on each retailer’s pricing policy. While most locations offer “everyday store prices,” others make it clear that the convenience of Instacart means you’ll pay higher prices than you would in stores. 

Membership: Membership isn’t required to use the service, but if you’d rather skip the delivery fee every time you place an order, you can sign up for Instacart Express. In exchange for a fee of $99 per year or $9.99 per month, you’ll get free delivery for every order over $35. Express service also exempts you from peak pricing when Instacart is busy.

Delivery cost: Delivery costs between $5.99 and $7.99 per order for nonmembers. Orders under $35 cost more. If you want your order in an hour, that adds up too. Tipping is permitted.

Coupon policy: Instacart doesn’t honor sale prices in stores or manufacturer’s coupons. Instead, it offers special promotions you’ll see when you log in to your account. Once you order the required amount or type of product, the discount automatically applies to your order. 

2. Shipt

a shipt shopper holding out a carton of eggs

What: Shipt delivers from a variety of grocery stores. Liquor delivery is also available in some locations.

Where: Shipt is available throughout the U.S..  

Pricing: Shipt prices are slightly higher than if you had taken the trip yourself. “Our members can expect to pay about $5 more using Shipt than they would on a $35 order purchased in the store themselves,” the company’s website explains.  

Membership: Shipt charges you $99 annually or $14 per month for unlimited free delivery. 

Delivery cost: Members must spend at least $35 to get free delivery. If your order is less than that, you have to pay a $7 delivery fee. You could also be charged $7 for alcohol purchases. Tips are permitted.

Coupon policy: Shipt offers in-app specials on items, but it doesn’t allow you to use manufacturer’s or store coupons. 

3. Walmart

 a walmart associate loading groceries into a car

What: Walmart has two grocery ordering options. In some locations, you can have your order delivered to your doorstep. In many more locations, you can place your order for a pickup window, then get your order delivered to your car at the store. Some stores even allow you to pay for your groceries with an electronic benefit transfer card.

Where: Same-day delivery is available in 46 states. Walmart allows customers to reserve a time and location for pickup in all states except Hawaii.

Pricing: Delivery and pickup prices are the same as if you had shopped in the store yourself, but there is a $30 minimum for the services.

Membership: None required.

Delivery cost: Although it’s unclear whether there is a regular delivery cost, Walmart does have a program called Delivery Unlimited, which costs $98 per year or $12.95 per month. You can sign up for 15 days of free delivery. 

Coupon policy: Walmart does not accept coupons for pickup or delivery orders. If you use the Savings Catcher app, it’ll verify that you received the lowest possible price and give you reward dollars.

4. Amazon Fresh

grocery shopping

What: Available to Amazon Prime and Amazon Prime Student members, Amazon’s grocery delivery service offers attended and unattended delivery, although the service does not deliverr to dorms. Pickup is also available in some cities.

Where: Amazon Fresh is not available nationwide. Visit the website to see if it’s available in your city. 

Pricing: As far as we can tell, it’s regular ol’ Amazon prices.

Membership: Membership is limited to Amazon Prime members ($119 per year) and Amazon Prime Student members ($59 per year).

Delivery cost: Most regions offer a free two-hour delivery fee on orders of $35 or more.

Coupon policy: Save your coupons for somewhere else!

5. Peapod

a man delivering Pea Pod boxes

What: Items skip the store and go from the Peapod warehouse directly to your home. It’s affiliated with Ahold-Delhaize grocery stores, including Food Lion, Giant and Stop & Shop. Unattended delivery is available in some areas, so you don’t have to be home when your delivery arrives — Peapod leaves it in an insulated container.

Where: Peapod is not available nationwide. Enter your zip code to see if the service is available in your area. available in New England, the mid-Atlantic and the Midwest.

Pricing: A Peapod spokesperson confirmed to us that delivery prices are comparable to in-store prices, but “there are some differences since Peapod’s warehouses operate separately.”

Membership: None required. Peapod offers PodPass, which provides unlimited deliveries for orders of $100 or more at a set price. The rate for 12 months of unlimited delivery is $119 plus tax. There are also three- and six-month subscription options that cost $49 and $69 before tax, respectively. If you pay for PodPass but place an order between $60 and $99.99, you’ll pay for any delivery fees beyond $7.95.

Delivery cost: You must order at least $60 worth of groceries to get delivery, which costs $67.95 to $9.95 — the larger your order, the cheaper the delivery. You could pay as little as $2.95 for delivery with certain discounts. Peapod offers delivery discounts if you choose off-peak times. You can schedule delivery for as soon as the next day or up to two weeks in advance. Tipping is permitted. Peapod also offers a pickup option in some areas; there is a $30 minimum order and a $2.95 charge for pickup.

Coupon policy: Peapod accepts manufacturer’s coupons and doubles them up to 99 cents.

Lisa Rowan is a former senior 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.

Upcoming: Art & Animals in the Age of AI and Bio-Engineering

Public announcement!

Next month, I’ll be giving online classes on the theme of Art & Animals in the Age of AI and Bio-Engineering with the School of Machines, Making & Make-Believe.

Aptos
Maurizio Cattelan, Novecento, 1997. At Castello di Rivoli

If feels a bit strange to launch this class in the midst of a pandemic, at a time when inboxes are overflowing with offers to watch virtual visits of museums and online performances. And yet, here I am, suggesting that you spend even more time in front of your screens.

The classes i gave two years ago, A mapping of socially-engaged creative practices, brought me a lot and gave me the opportunity to meet some super interesting people. And I REALLY miss meeting people after several weeks of lockdown here in Northern Italy. This year, the class is still going to have elements of socially-engaged practices but it will focus on non-human life. Microscopic and massive. Extinct, endangered, wild, familiar, lab-grown or “tech-augmented”. And because -as we are painfully learning right now- everything is connected, the classes will also be looking at the world that animals inhabit and where they encounter fungi, trees, bacteria.

During the classes, we’ll be looking at taxidermy, de-extinction programmes, robotics, bestiaries, “invasive” species but we will also discuss the ethics of working with animals and more generally of exhibiting life inside museums and galleries. The main objectives will be to investigate the shifting paradigms of the living world and to reflect on the possibility of co-evolving in a more sympathetic and mutually beneficial way with other living entities.

The full description of the classes is over here.

artificial intelligence
Brandon Ballengée, DFA136: Procrustes, cleared and stained Pacific tree frog collected in Aptos, California in scientific collaboration with Stanley K. Sessions (from the series Malamp Reliquaries), 2013

Brandon Ballenge
Búi Adalsteinsson, Fly Factory, 2014. Photo by Istvan Virag

The online classes will be taking place over the course of five weeks, two hours each week. The first session will be a crucial but informal “getting to know each other” event during which i will also be taking notes of any special curiosity and interests participants might have. I wrote down a break-down of the classes on the description page but it’s not a rigid one. If there’s a strong request to focus a whole evening on say, farm animals or fungi only, we can do that.

If you feel extra studious, extra self-isolated or if you prefer to learn about the connections between art and the human body, I’d also recommend having a look at Marisa Satsia‘s online classes on Medical Bodies.

Marisa’s classes take place on Tuesday. Mine are on Monday.

Classes are live meaning that you can directly interact with the instructor as well as with the other participants from around the world. Classes will also be recorded for playback if you are unable to attend that day.

The school is offering a limited number of pay-what-you-can tickets to take part in this class. Preference given to women, POC, LGBTQ+ and persons from underrepresented communities who would otherwise be unable to attend.

This way to join!

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Upcoming: Art & Animals in the Age of AI and Bio-Engineering

Public announcement!

Next month, I’ll be giving online classes on the theme of Art & Animals in the Age of AI and Bio-Engineering with the School of Machines, Making & Make-Believe.

Aptos
Maurizio Cattelan, Novecento, 1997. At Castello di Rivoli

If feels a bit strange to launch this class in the midst of a pandemic, at a time when inboxes are overflowing with offers to watch virtual visits of museums and online performances. And yet, here I am, suggesting that you spend even more time in front of your screens.

The classes i gave two years ago, A mapping of socially-engaged creative practices, brought me a lot and gave me the opportunity to meet some super interesting people. And I REALLY miss meeting people after several weeks of lockdown here in Northern Italy. This year, the class is still going to have elements of socially-engaged practices but it will focus on non-human life. Microscopic and massive. Extinct, endangered, wild, familiar, lab-grown or “tech-augmented”. And because -as we are painfully learning right now- everything is connected, the classes will also be looking at the world that animals inhabit and where they encounter fungi, trees, bacteria.

During the classes, we’ll be looking at taxidermy, de-extinction programmes, robotics, bestiaries, “invasive” species but we will also discuss the ethics of working with animals and more generally of exhibiting life inside museums and galleries. The main objectives will be to investigate the shifting paradigms of the living world and to reflect on the possibility of co-evolving in a more sympathetic and mutually beneficial way with other living entities.

The full description of the classes is over here.

artificial intelligence
Brandon Ballengée, DFA136: Procrustes, cleared and stained Pacific tree frog collected in Aptos, California in scientific collaboration with Stanley K. Sessions (from the series Malamp Reliquaries), 2013

auto credit v1
Búi Adalsteinsson, Fly Factory, 2014. Photo by Istvan Virag

The online classes will be taking place over the course of five weeks, two hours each week. The first session will be a crucial but informal “getting to know each other” event during which i will also be taking notes of any special curiosity and interests participants might have. I wrote down a break-down of the classes on the description page but it’s not a rigid one. If there’s a strong request to focus a whole evening on say, farm animals or fungi only, we can do that.

If you feel extra studious, extra self-isolated or if you prefer to learn about the connections between art and the human body, I’d also recommend having a look at Marisa Satsia‘s online classes on Medical Bodies.

Marisa’s classes take place on Tuesday. Mine are on Monday.

Classes are live meaning that you can directly interact with the instructor as well as with the other participants from around the world. Classes will also be recorded for playback if you are unable to attend that day.

The school is offering a limited number of pay-what-you-can tickets to take part in this class. Preference given to women, POC, LGBTQ+ and persons from underrepresented communities who would otherwise be unable to attend.

This way to join!

best free website traffic generator Brandon Ballenge California Fly Factory free traffic to my website free website traffic generator

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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…

The post Wealthsimple Review 2020 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO] appeared first on Million Dollar Journey.

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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…

The post Wealthsimple Review 2020 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO] appeared first on Million Dollar Journey.

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Are Wedding Loans A Crazy Idea? 10 Things To Think About For Your Big Day

ArticlesLately, I’ve been viewing a lot of talk about wedding lends. And as a personal finance blogger, this worries me a bit.

Getting married is very exciting, and in the start, you’re probably thinking about what your wedding will be like. All of your favorite family and friends, good menu, dancing, and whatever else your stomach desires.

But then, reality collisions- how will you pay for it all?

Shockingly, countless duets take out wedding lends to fund their big day.

It seems like more and more people around me are getting uniting loans in order to afford their wed, and there’s a big industry flourishing that is trying to normalize marriage credits as well. I’ve even realise ads for wedding loans for bad recognition!

I’ve too noticed more people putting their weds on credit cards, which is very dangerous when you consider that the average credit card interest rate is now over 21%.

For many beings, having a wedding is important. Some may have even been thinking about their bridal since they were young.

However with an average wedding cost of $29,858 in 2019, having the wedding of your dreams are very significantly, highly inexpensive. And in some states, there’s an even higher average- in New York City it’s $ 88,176, and in South Florida it’s $51,073.

Some duos may have started saving coin for their bridals years in advance, and others may have parents who will help pay for some or all of their wedding.

But if you don’t have enough money for your wedding, many are tempted to take out wedding loans in order to “afford” a wedding.

Having a wedding can be fun, but it is not worth it to start out your new life with indebtednes. Wedding debt can cause debates, stress, monetary difficulties, and more. It can even start you and your spouse to resent one another, and that’s not a good way to begin a marriage.

The terrifying thing is that many beings consider debt to be ordinary, so they have no problem taking on debt to pay for things. But, just because everyone else is doing it, that doesn’t mean you need to as well. This is true for smaller buys like clothing, to big expenditures like you wedding.

Weddings can be expensive or they can be affordable. You can have a wedding on any fund , no matter how low-grade your budget may be. You may have to get inventive or prioritize some things, but remember, you can get married for only the cost of a marriage license!

If you’re thinking about taking out a taking out a loan for a wedding, delight read today’s post before you do anything you may regret.

Related content 😛 TAGEND

What To Think About Before Having An Outdoor Wedding Plus Craziness That Happened At Ours 7 Expenses To Never Put On A Credit Card The Danger Of Normalizing Your Debt- Stop Living Like Everyone Else

Here is why I recommend forestalling marriage lends.

It’s another monthly greenback.

According to Business Insider, 28% of duets go into debt for their wedding.

That is much higher than I thought it would be!

By getting bridal credits or putting your wed on a credit card, you are giving yourself one more thing to pay for. It’s another fee “youre going to have to” constitute every month.

Wedding lends don’t mean that your nuptial is free!

Are you really sure that you want to take out a lend for your nuptial and have to pay a monthly expense until it is fully paid off?

It could be months or even years until you have paid off your nuptial loan.

If you have student loans, a mortgage, automobile pays, etc ., supplementing a wed credit on top of it all sounds like a lot of business stress.

Why is an expensive nuptial important to you?

One thing you should think about is why do you feel the need to spend so much on your wedding?

I know weddings are a very special day, but lenders for marriage lends prey on those who accept their” formerly in a lifetime event” should be the biggest and most expensive party ever. Unhappily, numerous beings believe that they need a big wedding and that it’s regular to have high wed costs. And numerous get it on has continued to be others.

Your bridal is a special day , no matter how large-hearted your bridal is or how much it costs.

By determining what YOU indeed want out of a bridal, you’ll probably be able to save money by thinking about your true-blue the requirements and craves.

Also, should be considered what other things in life may be more important to you than an expensive wedding. Perhaps, you’d preferably be saving for a home, expedition, starting a family, retirement, or something else?

It can add stress to your new marriage.

Starting out a brand-new matrimony with marriage indebtednes can add vast amounts of stress.

And, it’s stress that you can easily avoid.

Wedding loans can add a lot of business stress to a person’s life. The quantity of merriment you get from having an expensive wed is more likely to never join the amount of rigour that debt will add to your life.

Debt can cause you to 😛 TAGEND

Not reach retirement Not reach your dreams Have fewer epoches off Stress about kept pace with others Stress over paying monies

And more!

And, financial issues are usually what duos fight about more than anything. Is that really how you want to start your marriage?

Living debt free represents little financial stress, and you can be in control and live the living standards you want.

There are high interest bills on uniting lends.

Wedding loans aren’t cheap – you will most likely be paying a high interest rate if you finance your wedding.

I did a quick search for wedding lends, and it was common to see interest rates of anywhere from around 6% to 35%.

This will do your wedding penalty even more than what you initially deemed to be.

Here’s an example: if you took out a bridal lend for $30,000 on a 5-year expression at a 17% interest rate, you would end up pay $44,735 for your wedding. That’s approximately $15,000 more! Even a wedding credit with an interest rate of 7% will cost you $5,000 more during the course of your loan term.

It’s exclusively one day.

I hate to say this, but after being married for some time, I recognise how genuine it is – your wed is only one day.

Taking out a huge amount of debt for one day is not something to take lightly. After all, you may forget a lot of details about your wedding, and these may be things you financed for thousands of dollars.

You and your marriage have the rest of your life ahead of you with lots of happy memories, and many of them will be completely free.

Some studies say that a inexpensive wedding is the key to a happy union.

A few years ago a study attained that marries who devote the least on their weds were more likely to have longer-lasting matrimonies than those who spent lots of money on a bridal. In fact, weds “thats been” $20,000 or more were successful in higher divorce frequencies, and the lowest paces of divorce were among those who spent $1,000 or less on their wedding.

Researchers weren’t sure if research results were about the type of duos who invest less on a marry or the stress of an expensive nuptial, but it’s interesting to think about.

Wedding expectations are becoming improbable.

One thing I’ve noticed is that weddings now include week-long bachelor or bachelorette parties, entire nuptial weekends, destination marries, and customized or personalized everything. And there are some duets that commencing their wedding celebrations weeks in advance.

You can be found in those large-hearted happenings all over Facebook and Instagram, and it’s really easy to think that you need a marry like that too. But, only because person you know had an expensive bridal doesn’t mean you should too.

You don’t know how much person expend, how much help they had paying for their bridal, or how much they made out in nuptial loans.

“Theres plenty” of affordable ways to get married.

Instead of taking out weddings loans, I most recommend witnessing more cheap ways to get married.

You can have a great marriage for much less than the average of $30,000.

Here are some natures that you can have a more affordable marry 😛 TAGEND

Skip the wed altogether. You don’t need a wedding in order to get married! You can simply go to the courthouse. If you want to spend time with close family and friends on that day, you have been able simply go to a restaurant or someone’s home subsequentlies. Have a smaller wedding. The bigger your wed, the more costly your wedding will most likely be. Set a budget. If you require a bigger wedding, delight make sure you can afford it. Start off by creating a budget. Abscond in a vacation spot. While this option will still cost you fund, you may be able to have a fun bridal and honeymoon all in one, for much less than what a traditional marry may provided free of charge. Find a more inexpensive marry resounding. Wedding rings are usually one of the highest costs of getting married. You can save a lot of money by choosing something more inexpensive without taking on any debt. DIY your nuptial. More and more pairs seem to be going the DIY wedding route when it comes to their special day. Some want to save a little money, some want to be more involved in their wedding, or some have a certain plan they want to follow and DIY is the only way for them to do that. I personally DIYed a LOT at my marry. Learn more at DIY Wedding Ideas- Worth It Or A Waste Of Money ? Delay the wedding. If you still want a more expensive wedding than you can afford, then you may want to delay the marry so that you have more time to save.

There are easy ways to save up for your marry.

Speaking of saving up for your nuptial, there are so many ways to save for one now.

There are tons of the methods of establish extra money, the authorities have savings challenges, and there are even apps that make it easy to save.

Here are a few essays that will help you save for your large-scale period 😛 TAGEND

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With so many alternatives, taking out a union loan can be a costly mistake that you can easily avoid

In the end, it’s your wedding.

One of the reasons that so many parties go overboard with the costs of their weddings, which leads to wedding credits, is that they think they have to have the big-hearted weddings they learn on social media, Tv depicts, and movies.

But, that only isn’t realistic for everyone.

You are the only one who should get to determine the kind of wedding you have.

If you require a big, expensive wed, that’s okay, but make sure you certainly miss it and can open it.

The same sees if you really want a small, inexpensive nuptial. That doesn’t mean your wedding will be any less meaningful.

Think about your priorities, your budget, and make a plan to get there. Your dream wedding is the one you want , not what civilization tells you that you need.

What do you think of uniting loans? Do you think that nuptial obligation is worthwhile?

The post Are Wedding Loans A Crazy Idea? 10 Things To Feel About For Your Big Day performed first on Making Sense Of Cents.

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This Grandfather-Granddaughter Duo Is Having Dance-Offs to Stay Connected During Coronavirus Outbreak

Grandfather Granddaughter Duo Dance OffThe physical distance between this grandfather and granddaughter duo isn’t stopping them from doing what they love to do the best together.
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Upcoming: Art & Animals in the Age of AI and Bio-Engineering

Public announcement!

Next month, I’ll be giving online classes on the theme of Art & Animals in the Age of AI and Bio-Engineering with the School of Machines, Making & Make-Believe.

Aptos
Maurizio Cattelan, Novecento, 1997. At Castello di Rivoli

If feels a bit strange to launch this class in the midst of a pandemic, at a time when inboxes are overflowing with offers to watch virtual visits of museums and online performances. And yet, here I am, suggesting that you spend even more time in front of your screens.

The classes i gave two years ago, A mapping of socially-engaged creative practices, brought me a lot and gave me the opportunity to meet some super interesting people. And I REALLY miss meeting people after several weeks of lockdown here in Northern Italy. This year, the class is still going to have elements of socially-engaged practices but it will focus on non-human life. Microscopic and massive. Extinct, endangered, wild, familiar, lab-grown or “tech-augmented”. And because -as we are painfully learning right now- everything is connected, the classes will also be looking at the world that animals inhabit and where they encounter fungi, trees, bacteria.

During the classes, we’ll be looking at taxidermy, de-extinction programmes, robotics, bestiaries, “invasive” species but we will also discuss the ethics of working with animals and more generally of exhibiting life inside museums and galleries. The main objectives will be to investigate the shifting paradigms of the living world and to reflect on the possibility of co-evolving in a more sympathetic and mutually beneficial way with other living entities.

The full description of the classes is over here.

artificial intelligence
Brandon Ballengée, DFA136: Procrustes, cleared and stained Pacific tree frog collected in Aptos, California in scientific collaboration with Stanley K. Sessions (from the series Malamp Reliquaries), 2013

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Búi Adalsteinsson, Fly Factory, 2014. Photo by Istvan Virag

The online classes will be taking place over the course of five weeks, two hours each week. The first session will be a crucial but informal “getting to know each other” event during which i will also be taking notes of any special curiosity and interests participants might have. I wrote down a break-down of the classes on the description page but it’s not a rigid one. If there’s a strong request to focus a whole evening on say, farm animals or fungi only, we can do that.

If you feel extra studious, extra self-isolated or if you prefer to learn about the connections between art and the human body, I’d also recommend having a look at Marisa Satsia‘s online classes on Medical Bodies.

Marisa’s classes take place on Tuesday. Mine are on Monday.

Classes are live meaning that you can directly interact with the instructor as well as with the other participants from around the world. Classes will also be recorded for playback if you are unable to attend that day.

The school is offering a limited number of pay-what-you-can tickets to take part in this class. Preference given to women, POC, LGBTQ+ and persons from underrepresented communities who would otherwise be unable to attend.

This way to join!

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Where to Find Financial Relief During Coronavirus (COVID-19)

Americans are facing more than health concerns as a result of the spread of novel coronavirus COVID-19, recently labeled a pandemic. As events and attractions postpone operations, many workers are being laid off until further notice. Those who can work may be faced with the choice between showing up sick or losing income needed to pay rent.

The Federal Reserve, joined by other government agencies, has called on the financial services industry to “meet the financial needs” of people who are affected by COVID-19. Some of the country’s largest financial institutions have responded with measures to help their customers cope. 

Which financial institutions are offering coronavirus assistance?

Citi

Starting March 9, 2020, the following are in place for an initial 30 days, according to the company website:

  • “For Retail Bank Customers: Fee waivers on monthly service fees; waived penalties for early CD withdrawal.
  • For Retail Bank Small Business Customers: Fee waivers on monthly service fees and remote deposit capture; waived penalties for early CD withdrawal; Bankers available after hours and on weekends for support.
  • For eligible Credit Card Customers: Credit line increases and collection forbearance programs
  • For eligible Mortgage Customers: A range of hardship programs through our service provider, Cenlar FSB. Please contact them at 1-800-2CENLAR (1-800-223-6527) 

Wells Fargo

Wells Fargo shared its response to the coronavirus disease, stating that “Wells Fargo is committed to helping customers experiencing hardships, including from the Coronavirus Disease (COVID-19).  If in need of assistance, we encourage customers to call us at 1-800-219-9739 to speak with a trained specialist to discuss options available for their consumer lending, small business and deposit products.”

It also included its efforts to keep branches safe with sanitizing products as well as warning customers to look out for potential scammers impersonating government employees or charities during the crisis. 

U.S. Bank

U.S. Bank has posted several products on its website that it is offering at a discount to help those affected by COVID-19. It is also directing customers to reach out to 888-287-7817 if in need of “additional support.” 

Capital One

Capital One published an update to its website, urging customers to take advantage of digital options whenever possible, and sharing their Contact Us page as a resource for those in need as a result of the coronavirus.

PNC Bank

PNC posted the following statement to its website: “Should you, as a PNC customer, encounter hardship as a result of coronavirus, please call us at 1-888-762-2265 (7:00 a.m. to 10:00 p.m. ET Monday – Friday; 8:00 a.m. to 5:00 p.m. ET Saturday & Sunday) to discuss your options.  PNC offers an array of hardship relief options for which customers may be eligible depending on their product(s) and needs.

PNC also left open the possibility to expand assistance programs in the future, if needed.

Truist

The product of a December merger between SunTrust and BB&T, Truist announced on its website that its team is “committed to working with our clients to reduce financial stress during this challenging and uncertain time.

  • Heritage SunTrust clients, please contact 800-SUNTRUST (800-786-8787).
  • Heritage BB&T clients, please contact 800-226-5228.”

Discover

Discover said in a statement that it “is extending relief to qualified customers who are experiencing financial difficulty caused by the spread of the Coronavirus (COVID-19). Discover customers may receive assistance that can include support related to payment timing, fees and late payments.”

Discover is encouraging customers to reach out by phone or through its “mobile text app, which connects a customer directly with an agent.” To access relevant phone numbers and other questions related to COVID-19, you can visit www.Discover.com/coronavirus.

Nelnet

Nelnet, a student loan servicer, announced the following relief effort on its website: “If you’re affected by COVID-19 directly or indirectly and need our support, we’re here to help you with options to reduce or postpone your payments:

  • Change your repayment plan to reduce your monthly payments
  • Apply for a deferment
  • Apply for a forbearance”

To access this relief, you can “visit Nelnet.com, email us at Help@Nelnet.net, or call us at 888.486.4722 from 8 a.m. to 10 p.m. (Eastern) Monday – Friday.”

Navient

Navient, another major student loan servicer, provided a statement on its website for those affected: “If you’ve been impacted by the coronavirus and are having difficulty making payments, we encourage you to call us at 888-272-5543 to explore your options to reduce or postpone your payments.”

Great Lakes

Great Lakes released updated information on its website, posting that if you are “affected by COVID-19 directly or indirectly and need our support, we’re here to help you with options to reduce or postpone your payments.”

You can reach out to Great Lakes digitally on its website, mobile app, or by emailing BorrowerServices@glhec.org. If you’d prefer to speak to someone over the phone, you can call (800) 236-4300.

SoFi

SoFi published an alert to its website where you can find a list of general service-specific contacts, as well as resources provided in response to the novel coronavirus. For support related to student loan payments, SoFi advises that “to inquire about forbearance and hardship relief due to COVID-19, please contact MOHELA at 877-292-7470 or send a secure message through sofi.mohela.com and they can address your concerns.”

For support related to personal loan payments, SoFi directed customers to call its “Hardship Relief Team to go through your options at 855-456-7634.”

Internal Revenue Service (IRS)

At a March 17th press briefing, Treasury Secretary Steven Mnuchin announced: “If you owe a payment to the IRS, you can defer up to a million dollars as an individual… interest-free and penalty-free for 90 days.”

As of March 20th, this move now also applies to Tax Day. Mnuchin announced via Twitter that the deadline to file your taxes will be postponed “from April 15 to July 15″ for “all taxpayers and businesses.” 

Be aware that this move only applies to your federal taxes. You’ll need to check with your state to find out if it is offering any similar measures.

Community resources that can help right now

Free financial planning

Financial advisors across the country are offering pro bono advice to people whose wallets are impacted by the outbreak. The XY Planning Network offers a search tool on its site that helps pinpoint financial advisors (more than 50 listed) who are willing to provide free advice on coronavirus relief.

Internet companies providing relief

Due to the coronavirus pandemic, over 100 companies have pledged not to terminate services to any residential or small business customers who cannot pay their bills, waive any late fees and open its WiFi hotspots to any American who needs them.

In a promise to “keep American connected,” the Federal Communications Commission’s site offers a full list of companies and associations that are participating.

Unemployment benefits

Unemployment numbers will likely continue to rise as more businesses close shop during the coronavirus pandemic.

The U.S. Department of Labor has issued guidance giving states flexibility to amend their laws to extend unemployment benefits to workers impacted by COVID-19. Use this unemployment benefits finder tool to find specific details on your state’s unemployment insurance program, including additional help due to coronavirus. Many states allow you to file for unemployment benefits online, while other states provide toll-free numbers and alternative ways to file.

Some states are finding innovative ways to combat unemployment during this period of uncertainty. New York, for example, is waiving the waiting period for unemployment benefits for people affected by the virus, which may lead other states to follow suit. Typically, most states will pay benefits for up to 26 weeks. In general, benefits are based on a percentage of an individual’s earnings over a recent 52-week period, up to a state maximum amount.

As of March 27th, unemployment benefits have been expanded to include self-employed people, gig workers, freelancers, and part-time workers. Check out this page for more general information on state unemployment insurance benefits, how to apply, and who qualifies.

What President Trump’s student loan relief means

President Donald Trump announced he is waiving interest on student loans held by the federal government until September 30, 2020. The waiver doesn’t apply to three types of student loans: state, private and the majority of Federal Family Education Loans (including Sallie Mae student loans). Borrowers will still be required to pay their monthly bill, but the payments will go towards a principal balance instead of interest.

On March 27th, the CARES Act, a $2 trillion coronavirus stimulus package, was signed into law, allowing you to waive all federal student loan payments until September 30. Unlike the automatic interest waiver, however, you will need to request this administrative forbearance from your student loan servicer in order to receive it.

The office of Federal Student Aid recommends contacting your loan servicer as soon as possible if you’re struggling to make payments.

If you’re concerned about your studies or loan repayment during the outbreak, the Federal Student Aid’s site answers several important questions for students, borrowers and parents. The site will be adding information for students, borrowers, and parents on its page on a regular basis.

Is a stimulus check coming in the mail soon?

For most Americans, yes. On March 27th, a $2 trillion coronavirus stimulus package called the CARE Act was signed into law by President Trump, which will grant a one-time payment of $1,200 to single adults with Social Security Numbers who have an adjusted gross income of $75,000 or less. Married couples with no children who earned $150,000 or less would receive a payment of $2,400. Families with children will receive an additional payment of $500 for every child age 16 or under.

The income calculation will come from your 2019 federal tax return; if you haven’t filed yet, you can use your 2018 return. The payment, which is expected to arrive within three weeks for most people, will be distributed to the bank account you’ve set up with IRS via direct deposit. Otherwise, you would receive a check.

Military, veterans, and unemployed people are eligible for these stimulus checks, as well as people who receive Social Security and disability payments.

What can you do if you’re not a customer of a company currently advertising assistance?

1. Talk with your employer

Some companies have also been responding to this pandemic by expanding sick leave policies and creating safety nets for affected employees. Before resigning to falling behind on your bills, try communicating with your employer to see if they can offer any other options.

Amazon announced a new policy on Wednesday in response to the pandemic, offering part-time and full-time employees additional time off for illness or quarantine related to COVID-19.

2. Reach out to your credit card company

Even if your credit card issuer has not formally released a statement of support, if you are at risk of missing a payment it is worthwhile to contact the company to discuss your options. The FDIC advises on its website: “Your creditors will likely work with you on a solution, but it’s important to contact them as soon as possible and explain your situation.”

Late payments can hurt your credit score and pile on extra charges and fees so getting ahead of the issue will save you down the road.

3. Consider a balance transfer

If you’re concerned you will only be able to make minimum payments on your debt with a high interest rate, a credit card that offers balance transfer could be a helpful tool. Transferring your credit card balance from another card has pros and cons, but if you are a good candidate for the move, it could save you money on interest and buy you some time to repay your debt within the introductory rate period. 

How can U.S. financial institutions better support consumers?

These measures are an important start to getting people the help they need, but the financial impact of the crisis is spreading along with the virus. 

We asked experts what more could be done to protect consumers, as well as the economy: 

Raise awareness of scams

Chane Steiner, CEO of Crediful, urges leaders to educate consumers on the dangers of investment fraud in this time of panic. He told us that these scams “will become a major issue as fraudsters try and trick people into making unsound investments out of desperation. Oftentimes they may claim that their proposal is the only ‘safe’ place to put money.”

Take cues from other countries

“In Europe in particular, several large banks are allowing homeowners to delay mortgage payments during the crisis. This is an extremely important gesture, since it allows people to keep up with daily expenses while they are out of work. Since most people do not work from home, a drop in income while quarantined can be devastating.” Steiner also recommends that the U.S. follow suit.

Support small businesses

Dennis Shirshikov, a Financial Analyst at FitSmallBusiness.com, suggests that banks should support the owners of small businesses “by moving services out of the branch and getting them on the ground.”

“While most national banks are not well-positioned to address this issue, local banks and credit unions can organize small business owners around these initiatives. By picking up deposits, exchanging money, and moving more transactions out of the bank, small business owners can continue to work and operate for the community,” Shirshikov says.

Experts cited

Chane Steiner

Chane Steiner

Chane Steiner is the CEO of Crediful, a personal finance website dedicated to helping people make educated financial decisions. Follow Crediful on Twitter.

 

 

 


Dennis Shirshikov

Dennis Shirshikov

Dennis Shirshikov is an expert in small business financing for Fit Small Business whose work has appeared in publications like USA Today, the Wall Street Journal, and Bloomberg. Follow Fit Small Business on Twitter.

The post Where to Find Financial Relief During Coronavirus (COVID-19) appeared first on The Simple Dollar.

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How to Cater a Sales Strategy to Gen Z

Generation Z is the first generation to be raised only in the internet age — a childhood where smartphones are essentially omnipresent and dedicating 23 hours per week to streaming video content is cliche. They’re tech-savvy, skeptical, and — like any new generation to those that came before it — difficult to reach and understand.

Older contemporaries sometimes bemoan how cushy life is for kids these days, praise them for enjoying the conveniences of the age they live in, or hold they never would have previous in decades prior.

It’s easy to dismiss Generation Z, the world they’re growing up in, and the future they’ll have to deal with. But you really shouldn’t — extremely if you’re in sales.

You can feel however you want to feel about the lives Generation Zers are heading, but you can’t ignore their impact on the landscape of business as we know it — both currently and down the line.

In 2018, it was estimated that Generation Z might have as much as $143 billion in direct spend influence — a flesh that could increase as more of them leave their parents’ homes and open the workforce.

No matter what you start of their garbs, interests, sensibilities, and world-views, you still have to consider putting together a sales strategy that caters to Generation Z.

Here are some strides you can take to do merely that.

Give Digital Steps to Support In-Store Sales

Generation Zers are digital aborigines. Their perception of the world around them has been mold by social media, immediate access to information, portable designs, and other aspects of the internet age more than any generation predating them. Naturally, that perspective significances how they treated with brands.

74 % of Generation Zers say they spend their free time online, so that’s probably the best place to reach them. It’s easy to look at that figure and assume that prioritizing ecommerce is the best way to sell to them, but it’s not that straightforward.

According to a study by IBM and the National Retail Federation, Generation Z still opts patronizing at brick-and-mortar collects. But like I said, the best touch-point between you and them is still over the internet.

While they might prefer to purchase commodities in person, they still rely on online resources like shopper reviews and social media to influence their decisions.

If you’re a retail business with physical storefronts, make a self-conscious effort to engage with Generation Zers online to drive them to those locations. Promote in-store rejects and show auctions online.

Leveraging personalized ads for your Generation Z purchaser personas can also be an effective means of getting them into physical retail outlets.

Evidence also suggests that Generation Zers place a lot of value on in-store aesthetics and peculiar commodities, so be sure your store pattern is appealing and the products “youre carrying” are hard to find elsewhere.

Understand They’re Not Millennials

This new generation is just that — a new generation. With that change comes new priorities, significances, and fiscal attires. Generation Z, on the whole, is more frugal and pragmatic than the generation that came before it. In some channels, it’s looks a lot like they’ve learned from Millennials’ mistakes.

Almost 40% of Millennials have overspent or gone into debt to keep up their social lives on par with their friends’. Generation Z’ers, on the other hand, tend to prioritize thriftiness.

A study by Swift Prepaid found that 80% of Generation Z considers expenditure the major factor when making a purchase, and 51% of them are worried about not having enough coin to do what they experience later in life.

These people bringing a crucial distinction to light-colored. Millennials prioritize ordeal more than Generation Zers, and Generation Zers prioritize financial stability more than Millennials.

That’s not to say experience doesn’t matter when trying to reach Generation Z, but their frugalness is something to bear in mind when pricing a produce or services designed to appeal to them.

Bolster Your Social Selling Efforts

As per HubSpot’s own explanation, “Social selling is the process of researching, connecting, and interacting with potentials and customers on social media networks.” Generation Z is growing up in an senility where social media is pervasive. Most of them literally can’t remember a season where it didn’t exist.

Like virtually any generation that came before it, Generation Z often relies on recommendations from friends and influencers when it comes to their buying habits.

In this day and age, those recommendations generally come over social media. 45% of Generation Zers say they typically use social media to discover new firebrands and produces. If you want to sell to Generation Z, you’re going to need to engage with them over those platforms.

To do that, you have to know where to find them. A survey by Business Insider found that Instagram, YouTube, and Snapchat were the three more popular scaffolds among Generation Z — by a sizable boundary. If you don’t have a presence on those employments, you should consider establishing one.

Once you’re on there, make your marketing tries more realistic than idealistic. Gen Zers want to see real life in publicize. They’re less responsive to undoubtedly exaggerated, polished market substance than legitimate shows to seeing how your commodity or service could play into their lives.

Once you have their scrutiny, be participating in them. Make your auctions struggles a two-way conversation. Be was aware of the observations and react accordingly.

One room or the other, find a way to let them know you value them as beings more than patrons. Be human, and you’ll put yourself in a good position to register with Generation Z.

Have Appreciates and Stick to Them

Gen Zers value fellowships with lessons and convictions. 68% of them expect firebrands to contribute to society, and 61 % say they’d offer more for produces or services created humanely, ethically, and sustainably.

Generation Z is skeptical, pragmatic, and growing up with unprecedented access to information. They’re also the most diverse generation in biography — perhaps the most socially self-conscious one as well.

Take all those factors together, and pair them with their constant inundation with advertising and digital media, and you get a consumer base that cares about firebrand qualities with the resources and desire to make sure those values are real.

If you want to sell to Generation Z as efficiently as possible, take some steps to obligate your business operations more sustainable and find a way to demonstrate how you contribute to society. Have evaluates, operate in accordance with those ethics, and give Generation Zers know without coming off as inauthentic.

Generation Z is already a major mover in terms of economic impact — one you shouldn’t ignore. And their affect is only going to expand as they leave their parents’ homes and make their own money. If there’s one lesson to take away from Generation Z’s monetary spirit and predilections it’s this — make these consumers seriously.

Whether you like their habits, importances, and interests or not, they’re positioned to impact how you do business in a big way. I don’t absolutely understand Generation Z, and I won’t pretend to.

What I do understand is that the future is ultimately theirs — no matter how you might feel about them. As a salesperson, you have to keep that in intellect when contriving your efforts going forward.

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Stuck at Home? Do This 24-Minute Money Challenge

At this point, most of us are living within the confines of our home, only venturing out for groceries or exercise.

And that’s what we should be doing — what we need to be doing — to flatten this COVID-19 curve. But we get it: We feel a bit stir-crazy, too. After all, there are only so many push-up challenges you can post to your Instagram story before your arms give out.

That’s why we created a quick 24-minute money challenge. This is perfect for those of us stuck at home and worried about the uncertain state of our country and our own personal finances. It’s a great way to spend 24 minutes today, and you’ll feel more productive for it.

Ready? Once you’re done, pass it along to your friends, so hopefully they’ll stop nominating you for that darn push-up challenge.

1. Stop Overpaying on Your Monthly Bills (2 Minutes)

Your monthly bills are non-negotiables, right? They’re just something you’re stuck paying.

Wrong.

The truth is, you can probably find better deals on a number of your monthly bills, freeing up room in your budget for other necessities during this trying time.

The easiest one to start with? Car insurance. Experts suggest shopping your options every six months or so, but let’s be real — when’s the last time any of us have done that?

But a free website called The Zebra will do the shopping for you — in just two minutes. 

All you have to do is enter basic information about your car and driving history, then The Zebra compares prices from more than 100 companies to find you the best price.

In fact, The Zebra says it saves its users up to $670 a year. If you find a policy you like, you can sign up online instantly.

After you take two minutes to do this, take a look at some of your other monthly bills, like your cell phone (check out discount providers) and home insurance (compare rates).

2. Ask This Website to Take Care of Your Credit Card Bill (2 Minutes)

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape… 

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates. But right now is the perfect time to take action. A website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.99% APR), you’ll get out of debt that much faster. 

AmOne won’t make you stand in line or call your bank, either — you can do this from your couch. And if you’re worried you won’t qualify, it’s free to check online.

It takes just two minutes, and it could help you pay off your debt years faster.

3. Grab Yourself a $5 Amazon Gift Card After You Take 5 Surveys (10 Minutes)

A person holds an Amazon gift card.

Since we’re trying to leave the house as little as possible, many of us will likely notice an uptick in our Amazon orders. That’s good — we’re doing this whole social distancing thing correctly — but our wallets might not be too thrilled.

If you want to help offset the costs, snag yourself a free $5 Amazon gift card with MyPoints.

MyPoints is a research company that’ll pay you to answer questions about different products and services you use. In return, it’ll give you free gift cards. You can even do this from your phone.

To date, MyPoints has paid people more than $236 million in gift cards.

To get your $5 Amazon gift card, just sign up and complete your first five surveys. Then, next time you’re posted up on the couch watching Netflix, take a few more surveys and keep earning.

4. Finally Check Life Insurance Off Your Perpetual To-Do List (5 Minutes)

For many of us, getting life insurance is something we know we need to do. After all, you’ve probably wondered how your family would manage without your income after you’re gone. How will they pay the bills? Send the kids through school?

Now that life’s slowed down a little, it’s time to finally check this off your to-do list.

With a company called Bestow, this shouldn’t take more than about five minutes, and rates start at $5 a month. You can cancel or change your plan at any time. Plus, the security of knowing your family is taken care of is priceless.

If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam, pushy sales calls or even getting up from the couch, get a free quote from Bestow.

You’ll feel better once you can finally get this done.

5. Check Your Credit Report for Any Errors (3 Minutes)

At this point, you understand the importance of your credit score. It will help you make big purchases one day, like a house or a new car. But when’s the last time you checked in on your score?

You could have an error on it that’s unknowingly holding you back. (One out of five reports do, according to a study from the FTC.)

Now that you’ve got some extra time on your hands, take a look with a free website called Credit Sesame. It’ll show you your credit score and help you detect any errors. If you find one? Credit Sesame will even help you dispute it.

Salome Buitureria, a working mom in Louisiana, found a major error on her report this way. Using Credit Sesame, she was able to fix the mistake and take additional steps to raise her credit score from 524 to nearly 700.*

Want to check for yourself? It only takes about three minutes to sign up and take a look.

6. Launch an Investing Portfolio With $1 (2 Minutes)

It’s no secret the market has had its fair shares of ups and (mostly) downs these past few weeks, but you shouldn’t panic. If you’ve got money you’ve invested, consider riding it out.

Markets are unpredictable, and they will always be volatile, which means sometimes they’ll go up, and sometimes they’ll go down — but over time, they tend to go up. 

If you haven’t started investing and have some money to spare, you can start small. Investing doesn’t require you throwing thousands of dollars at full shares of stocks. In fact, you can get started with as little as $1.1

We like Stash, because it lets you choose from hundreds of stocks and funds to build your own investment portfolio. But it makes it simple by breaking them down into categories based on your personal goals. Want to invest conservatively right now? Totally get it! Want to dip in with moderate or aggressive risk? Do what you feel.

Plus, with Stash, you’re able to invest in fractions of shares, which means you can invest in funds you wouldn’t normally be able to afford.

If you sign up now (it takes two minutes), Stash will give you $5 after you add $5 to your invest account. Subscription plans start at $1 a month.2

* Like Buitureria, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.

Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.

1 For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

2 You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the custodian.

The Penny Hoarder is a Paid Affiliate/partner of Stash. Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

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.

Authority Website Launch, What You Need To Know

I launched my first Authority Website in March 2000.

I did not know it was an authority website.

We called them Portals back then. The term “authority website” had not been invented yet.

This first authority site was in a home improvements niche. (more on that later)

I don’t tell you this, to impress you.

I tell you, because I want to establish my “authority” as someone who has built and sold a number of Authority sites.

Authority website creation

Authority Site Content Creation, What You Need To Know

Special Note:

This post is longer than most. It is tempting to skim – I do that all the time! However on this occasion, if you really want to create an authority site, this could turn out to be the best post you will ever read on the subject.

We plan to make this post available as a PDF Report. There is an option to register for that later in this article, along with a number of other options to fast track your authority website development.

4 Things You Must Understand Before We Start.

#1: Focus is critical

When it comes to getting an authority website of the ground, there are a relatively small number of things that really matter.

Get those right and your chances of building an authority site multiply!

You see, with Authority Websites, as in life itself, the the 80/20 rule applies!

[approximately 80% of results come from 20% of activity.]

#2: Invest in Authority Website training

You investment could just be your time but funds permitting, I would encourage you to purchase online training /  join an authority website mastermind.

Many people who create an authority website are looking to initially replace or match their current monthly income. Still others are looking for a six figure income and a 7 figure exit.

Whatever your ambitions, you will at least need to invest the time to acquire the necessary skills.

Creating an authority website is not a get rich quick scheme. It is more of a Get Rich in 12 – 24 months scheme, provided you put in the effort.

For people serious about building an Authority Website, I recommend you invest in training.

-> Here is the only one we recommend.

It is by far the best course I know on selecting niches, selecting keywords, attracting back links and SEO. It contains over 120 step-by-step training videos.

#3: Start now, get perfect later!

As you will see, I am a bit of a perfectionist. I will revise and edit a post multiple times before pressing publish.

However, if you are new to Authority Websites, my sincere advice is: get started now, get perfect later.

We will cover this in more detail later, when we discuss scaling content publication and the pros and cons of hiring writers.

#4: It takes dedication!

Despite some 20 years passing since my first Authority Website, the fundamentals have not changed!

To create an Authority Website requires either:

=> extreme dedication as a content creator.

OR

=> significant investment in content creation.

Or in some cases, both!

Assuming you don’t have significant funds to invest right now, there are two things you need to know:

  1. Be prepared to create and publish content for many months before seeing any significant rewards.
  2. Only the best content (writing, videos, graphics) will do. Don’t let anyone tell you that you can rattle of a blog post in 30 minutes and expect to see huge success. Truth is, it takes many hours, even days and sometimes weeks to write a stellar blog post that is linked to and shared.

I am told the average novel of 90000 words takes 180 days (6 months) to write, assuming you write 500 words per day.

I know some of you are saying “but I can write more than 500 words per day”.

Perhaps you can. My point is, “can you write 500 words of exceptional content every day?”

One of my favorite books on writing is “First you write a sentence“. The author Joe Moran had a remarkable way with words as you can see in the first paragraph of the book.

building an Authority Website

The bit about deleting it and starting all over, resonates with me. I do that a lot.

What is an Authority Website?

In simple terms, an authority blog or website is a popular online place where people go to for information on a particular niche or topic.

Creating an Authority Website, remains one of the best and least expensive ways to create a six figure income.

How Do I Make Money With An Authority Website?

There are numerous ways you can earn money with an authority website.

However the four main activities are:

  1. Consultancy  or business services revenues – my friend Clinton Lee is an example of this.
  2. Lead Generation (this is what I did)
  3. Launch an Information website and follow that up with your own range of information products. My Son Joshua Dunlop and his site Expert Photography is an example of this.
  4. Promote or sell other people’s products as an affiliate. (this is primarily how this website generates income)

The fourth option is by far the most popular and the easiest to implement for most Authority Website developers.

For starters, the offers you promote, will in most cases already have a high converting sales pages that you can send traffic to. Having a sales page that converts is essential.  If you decide to go the affiliate route, make sure to find out the EPC (earnings per click) of the offer you plan to promote before agreeing to promote.

Option four can also be combined with option three. For example, as an Amazon Affiliate in addition to selling your own products.

The Good News About Launching An Authority Website Today

There is less competition than you think.

Not everyone will agree with me on this, but bear me out.

Off the people who launch an authority site only a small percentage actually stick with it and bring their dream to a reality.

I don’t say this to discourage you, I say it, because the truth is that most people are lazy and are not prepared to do the work necessary to make their website a success.

In particular, as I mentioned earlier, they are not prepared to create and publish top quality content, month after month and they give up before the big pay day!

Remember:

authority website success

Many website owners start out strong and full of optimism, but give up a few months later.

Optimism is good, but optimism combined with resilience, realism and determination is what you need to succeed in life and business.

Check out Jim Collins book Good To Great and in particular the Stockdale Paradox for a better understanding of why you need more than a positive outlook and optimism to succeed.

16 Things You Can Do To Turn An Ordinary Blog Into An Authority Website

No1: Select a Profitable Niche For Your Authority Website

Many Authority Website experts will encourage you to use ahrefs or SEMRush to find that magical niche with lots of traffic and low competition.

It is reasonable advice, but it should not be your only consideration.

You should also select a niche for which you have some passion and knowledge.

A competitive niche, that interests you and inspires you, is a better choice than a niche with lower competition. (that doesn’t interest you)

After all, if you are going to spend a lot of time building your very own Authority Website, your chances of success is greater if you are writing about something you have a passion for.

It may not feel like it right now, but there will come days when you won’t feel like writing. If you are passionate about the subject and the niche there will be fewer of those days. Picking the wrong niche for you will feel like pushing water up a hill.

Want some ideas about selecting a niche?

Check out this post by our friend Pat Flynn — Tips to Help You Pick a Niche

One “old school” way that I use to find niche ideas is to review the magazine rack in a large newsstand. Publishers spend a lot of money researching demand before publishing a magazine and the chances are high that if there is a magazine for the niche it is profitable and worth investigating.

Authority Website Success Story

Wirecutter (A website that focuses on electronics, home goods and tools reviews) is often mentioned as an Authority Website success story.

Authority Website success stories

The Wirecutter was founded by Brian Lam in 2011 and purchased by The New York Times Company in 2016 for about $30 million. In the five years from its launch in 2011 to 2016, the company generated an amazing $150 million in revenue from affiliate programs.

But lets be honest, the chances of you and I creating another WIRECUTTER is not that great.

For starters a website like Wirecutter requires a significant investment (as off 2018 they had 100 employees).

This is why I also recommend you select a NICHE or sub-niche within a larger niche as your target market/audience. (rather than have too broad an approach)

No2: Find the perfect Domain Name for your Authority Site

Assuming you are starting from scratch.

You should try to secure a .com or at a stretch, a country domain extension such as .au or .co.uk

The most important thing is to get started.

Many people spend far too long trying to find the perfect domain, rather than get started. Lets face it, Wirecutter would not have been the obvious name to choose if your target market is electronics, home goods and tools reviews. (and it didn’t hold them back)

That said, if you can find a keyword rich domain that suits your niche, then so much the better.

Quick Domain Selecting Tip:

Try adding words like Tips, Hacks and Facts to a keyword.

This often results in a brand-able domain name.

For example: Entrepreneurshipfacts.com

As I write: AuthorityWebsiteFacts is available as a .com

If your niche was “Authority Website” that may be the domain for you.

authority website facts

Interestingly, according to ahrefs.com “Authority Websites” registers a Keyword difficulty of 52 (out of 100) which means it is a Hard Keyword to rank for – despite that fact its Global search volume is indicated at only 260

authority website

In above example I was surprised that all the extensions for FunFactsToShare including the important .com are currently available.

At ahrefs.com FunFactsToShare registers a Keyword difficulty of 31 (out of 100) which means it is a hard keyword to rank for – with a Global search volume is indicated at 2100 per month.

FunFactsToShare is a good example of a Key Phrase that in theory looks good. It is brand-able, great for social media, great for shares and with some content marketing likely to produce a lot of traffic.

However, there is an important question you need to ask….

Can you make money in this niche?

Traffic that you can’t monetize, is almost worthless.

Less traffic in the right niche will financially out perform high levels of traffic in the wrong niche. [That is not to say, that large volumes of traffic can’t be monetized.]

Two more ideas on selecting a Domain Name…

=> Think outside the box

Take for example Retireat21.com – a site that originally targeted the Young Entrepreneur niche and was founded by Michael Dunlop (who also founded this website). Michael sold Retireat21 some years ago – one of several authority website exits for him.

“Retire At 21” may not automatically make you think Young Entrepreneur, but it does make people curious and turned out to be an almost perfect domain for the young entrepreneur niche, ranking No1 in Google for “young entrepreneur” at one time.

=> Buy an existing domain

When Joshua Dunlop entered the photography niche he bought ExpertPhotography.com for $2000 from a domain investor. A significant investment at the time, that turned out to be one of the best business decisions he every made.

Sedo.com claim to have the best domains for the brightest of ideas. I have used them several times to buy domains. I have also sold domains using their brokers.

No3: SEO and keyword research

Authority Website and blog

When it comes to SEO and keyword research we recommend using SEMRush

As mentioned earlier, don’t build your authority site around a random topic that you have no interest in, just because there appears to be little competition. (there are usually good reasons for low competition)

Important!

=> You should define your audience therefore your target keywords.

=> Once you define which your keywords, you need to divide them into 3 different groups.

  • Easy to rank keywords
  • Keywords you may rank for with some effort.
  • Keywords you cannot rank for (at least at the beginning)

I would recommend you start with easy to rank keywords. This will bring some immediate traffic to your site although there will not be much volume. Think of it as getting your website warmed up with the search engines.

A bit later (3 – 6 months) you can focus on keywords that are a bit more challenging to rank for. This will bring a larger audience.

Later still, especially after you have built up some back links, you can target more difficult keywords that can bring the most volume of visitors to your site.

The above is a suggestion, not a rule. You can target keywords of any difficulty at any time.

However, I have found that using this approach to start with will give you some early wins and encouragement, which is essential.

More SEO Posts You Should Read

=> 10 SEO Blog Post Publishing Steps that Most Bloggers Forget

=> 25 Best SEO Tools For Successful Blogging

=> Link Building – Without The SEO Risks

No 4: Publish quality content

publish authority content

WordPress claims that 409 million people view more than 20 billion pages each month.

With that amount of new content published each month, whatever you write, needs to stand out!

Website visitors will quickly leave your page if you fail to engage them, or get their attention.

I find, the more quality content you publish, the more authority you have.

In particular, the more content you publish around a topic, the bigger the topical cluster you create and the more likely the search engines will take you seriously.

If you have a small website with a section about “beach decor” you can only cover a relatively limited amount of topics like “beach decor ideas” and “bedroom beach decor”. However, if you have a larger site you can approach the same topic from many different angles. Examples: “Christmas beach decor”, “vintage beach decor” or “rustic beach decor”.

It is my experience that the more content you create around the long tail variations of your main keyword, the more authoritative your website has for your short tail keyword.

Every post you write in your blog should be reliable, easy to understand, and shareable. When people read your posts they should not be bored. Your expertise and experience should shine through.

Quality content comes in many different formats.  Use blog posts, tutorials, videos, podcasts, reports, resource pages, reviews and listicles to demonstrate your expertise. The more versatility there is in the types of your content you produce, the more likely you will become an authority.

=> Tips for bloggers who think they can’t write.

How many words should an Authority Blog post have?

The more the better, but there is a caveat.

The content must be engaging, entertaining and educational (the 3 E’s)

If it is none of those, don’t bother.

There are two other things you should consider…

1) Websites like Facebook and Instagram have reduced the attention span of visitors.

2) Most people are visiting your site using a mobile device.

If you have a long post (2000 words plus) the chances are high, that most people will scan it first, read the headlines etc and only then decide if it is worth taking the time to read the complete article.

If I am pushed to quote a number, I usually say 1500 words although personally I aim for between 2000 and 2500 words and the occasional mega post, like this one – which ranks well for “write a best seller

It is my experience that the longer the article, the more chance there is of it ranking highly. There will however be exceptions, especially for review sites and travel lists.

I am told that posts with more than 2000 words receive the most social shares.

Also, the average word length for an article found in the first 5 positions in Google is approximately 1800 words.

That said, one of our highest earning blog posts has just over 1200 words in it.

Occasionally, I think we should add to it, but you know what they say, if it isn’t broken, don’t fix it.

What about hiring content creators for your Authority Site?

With most start up authority sites, you will initially do the bulk of the writing and content creation yourself. Eventually, with some success you may wish to consider hiring content creators.

This is something we have done ourselves in the past, with mixed success. Here is one of the better writers we hired.

Finding good writers who can write in your preferred voice is more difficult than most people appreciate. It is also more expensive than most people realise.

Sure there are writers who will do 5 blog posts for $100 – but most, if not all, are rubbish, often created using article spinner software. Article spinning often results in articles which are hard or even impossible to read. It creates a terrible reader experience and you should not do it.

It is my experience, that the least you can pay for a somewhat decent article (that you will almost certainly have to tweak yourself) is $60.

In reality, for a high quality writer you will need to pay$200 – $500 for the longer, better researched posts.

Not everyone agrees with me on this, but that is my experience.

In my experience, it is better to pay $2000 for 10 outstanding articles that fully engage your readers, than to spend $2000 for 40 or more articles that bore your readers and don’t get read.

That said, there are some other alternatives you can consider… especially is you are implementing a “start now, get perfect later” strategy.

Again with some caveats.

Content creation on a budget

“I’m a start up Barry, I can afford $250 + per article”

I hear you. You are not alone. There are other alternatives, but as I said, they come with a caveat or two.

If your budget is small you can try FIVERR – (1000 word articles for $10). They do however offer a more expensive verified Pro service.

Arguably a better budget alternative is TEXTBROKER – they offer 4 Star Writers from 2.7 cents per word. On the few occasions I have used services like this, I have found they work best for Listicles aka “list posts” rather than in-depth articles that require a lot of research. However do be prepared to do some tweaking and editing yourself, before publishing.

Although, of course if you are implementing the Start Now, Get Perfect Later rule in order to scale as fast as possible, I accept there may be merit in getting the content out there and seeing what traction you get.

A 60,000 word website – a reasonable initial goal for an authority website requires 40 articles assuming an average article length of 1500 words.

authority blog

TestBroker have a nifty tool that allows you to calculate the  cost of hiring a writer. In the example below you can hire a 4 Star writer to complete a 2500 word article for $67.90

authority writer

If you want a 5 Star writer, that would increase to $180.40.

Budget permitting, you can also consider the Textbroker Managed Service which allows you to outsource your entire content project for as little as $2,500.

Content I Do Not Publish On My Authority Website

As a quick example of the type of content I will not publish, today I received a guest post submission for another website I manage. (in the catering niche)

The title of the article was: “Your Cheat Sheet for Putting up a Café”

Now, you might think that sounds interesting and would be full of interesting content?

It wasn’t!

It was bland and generic content. [e.g. do research, build a business plan, choose a location blah, blah]

It was quite easy to reject simple because it didn’t pass my first test for content I publish which is:

“Will this content be of value to my reader” or “will my reader thank me for this content?”

No reader thanks you for BORING BLAND content.

Despite what some Authority Website Gurus tell you, it is better to publish less high quality content than numerous bland and uninteresting articles that no one reads.

One more Tip…

To start with at least, most authority site owners will be working from home. This can present challenges and it is therefore essential you create a home office that inspires your creativity, especially when in comes to writing content.

This blog post will help: Work From Home – How to Have a Healthy and Productive Home Office

No5: Improve website design – Get a Premium Theme

Authority site design

An authority site doesn’t have to look fancy.

However, if your website has an unprofessional look, people will not stay around. Your site should be an easy to use website that provides a great user experience.

Top Tip:

Invest in a premium theme that presents your brand in the best possible light.

Free themes are great for starting out but most cannot be properly customized.

Remember that saying: First impressions count!

Recommended Article: 15 Best Practices for Responsible Responsive Web Design

No6 Branding Your Website 

Some of these things are more important than others.

For example having a memorable logo is more important than sorting out your favicon.

Back in 2000 I paid $500 to have this logo created. I am not suggesting it has passed the test of time but I do consider it one of the best logos I have had created. It was brand-able, worked well on t-shirts, polo-shirts etc and the logo helped set my site aside as an authority website.

You should also secure all the main social media channels for your brand. (LinkedIn, Facebook, Pinterest and Twitter at a minimum) Namecheckr.com is great for checking if if your brand name is available for a particular social media channel.

You should link to all your social media accounts from your your website and vice versa.

Anytime you publish a new piece of content, syndicate your content on all of these social platforms. If you have time and resources, spend some time each week responding to people’s questions and interacting on these social accounts.

Special Note: Don’t buy social signals.

[Social signals refer to a webpage’s collective shares, likes and overall social media visibility as perceived by search engines.]

Google is skilled in understanding if a site has authority or just faking it. Fake it till you make it, doesn’t apply here.

Use memorable color schemes on your site that represent your overall brand image. This will help when your website becomes the authority website in your niche, people will recognize it from its look.

If you have a local business site it is always a good idea to register with local directory sites like Yellow Pages and Yelp.

No7 Host case studies & market leading researches

This is the fast track to building an authority site. It requires time and investment, but it is one of the best ways to stand out from your competition and be recognized as an Authority.

When you provide well researched information people will talk about your research. They will link to your site, and share your content on social media.

I am not going into huge detail here, but Item 4 above – “publish only quality content”, applies!

No8 Publish Expert Round Up posts

An expert roundup post is a blog post that features contributions from multiple experts.

Typically, you the host blogger will raise a question or topic for discussion with various experts who in turn  share their insights.

The great thing about this is that the guests will usually link to your round up article and share on social media.

People like to get flattered, and earn backlinks most of the time.

Although a roundup post can take quite a lot of effort, it can create massive exposure for your site that validates your website and builds brand awareness.

No9 Contribute as a Guest Blogger

This is a popular way to get backlinks for your website

Guest blogging on high authority websites is very effective for building your authority and growing your readership.

To implement guest posting as a way of establishing authority, you need to find authority sites in your niche. You can make Google search by using Google’s advanced search operators, and/or use SEO tools like SEMRUSH.

Alternatively, you can simply search the names of Influencers in your niche and contact them. Keep in mind, that when you are just starting out, there will not be many people who are willing to provide you a guest posting opportunity. In that case you should write the article in advance (google docs is good for this) and circulate to several Influencers and see who is first to say yes. Of course your writing better stand out!

How To Request A Guest Post Proposal On An Authority Website

If you hope to have any chance of having your request for a guest post accepted, please take the time to write a detailed email explaining why I should consider you. That includes examples of previous writing and a “pitch” for why your idea for a blog post will be of value to me.

Below is an example of someone who has the kind of approach I prefer.

I particularly liked the “How You Can Benefit” approach.

How to ask for a Guest Post on an Authority Website

 What You Should NOT DO When Requesting A Guest Post On An Authority Website

I get a lot of requests for guest posts, sometimes more than 100 per week.

Some ask if they can pay to have a guest post published (see below)

Guest Post on an Authority Website

We don’t accept payment for guest posts and it is my experience that few Authority Websites will allow you to buy a link on their website or submit a guest post for payment.

There are two reasons for this:

1) Google does not like it and lets face it, we don’t want to get the wrong side of Google.

2) As an authority website owner, your first question should always be, does this content add value to my website and readers? If it does not, then you shouldn’t publish it (no matter how attractive the payment is). Likewise, if the content is good and adds value, you will be happy to publish for free.

Don’t believe everything a Guest Writer says…

Many guest post writers will tell us how much experience they have and how great their writing is. (not)

Many use a cookie cutter / template approach. Many don’t even give examples of their previous writing. See example below:

requests for guest post

No 10 Post content to forums

But don’t spam!

Answer questions on websites like Quora. Feel free to link to your own website in answers but appreciate that in most instances and link you get will be NOFOLLOW. Remember you are not there to spam, you are there to add value and help people.

That is how you become an authority.

Here are some of the reasons why you should post on forums and Q&A sites like Quora.

a) People on those platforms are actively seeking solutions to their problems. (Additionally often their question will give you an idea for a future article)

b) They are looking for expert advice.

If you can spend even a small time every week consistently, responding to other people’s questions, you will establish authority.

If you provide genuinely helpful responses you can refer people to your site and have referral traffic from those platforms.

However, the real benefit doesn’t come from the referral traffic you will get, but rather the user signals those sites pass to Google.

Go to Reddit, and find subreddits related to your niche. Interact with other people, and respond to their questions. Without spamming, leave a link to a relevant page in the discussion. Most forums are very sensitive to spam, and if you don’t provide any value but appear to only do self promotion, you will find yourself kicked off the site.

No 11 Create a valuable report and give it away for free

I am not talking about a lead magnet.

We are talking something like this guide from my friend Clinton Lee (Expert on UK Business Brokers)

This is something that is genuinely free. There is no requirement to provide an email address and anyone can share this document without any edits or changes.

As you can imagine, it gets shared and attracts a lot of visitors and potential clients to Clinton and his business.

This particular guide is slightly tongue in cheek, which in this instance adds to the “share-ability”.

What can you give away, that visitors would appreciate and share?

No 12 Implement Social Media Marketing

Social media provides abundant opportunities to connect with other people, and influencers within your niche. This means you can easily exchange knowledge with a broad audience, and engage with that audience further. It is also one of the best shortcuts promoting expert knowledge.

Search engines use social signals and other user behavioral metrics to determine the relevance of a page to a search query, with the main idea here being the more content is shared, liked, commented on, the higher its quality, value, relevance, and, therefore, ranking in SERPs.

You can check domain & social username availability across multiple networks use namecheckr

Authority Website Facts

No 13 Host an Online Conference or Sponsor an Event

My first authority website was in an home improvement niche – focused on sun-rooms, conservatories and garden-rooms.

As our authority grew we got many media mentions and also ended up being a Key Sponsor of a competition to select the Best Conservatory / Sun-room installation.

This proved a great way to connect with leading industry players. It was also a great way to find more customers for my online lead generation service.

Interestingly, one of the people I connected with, ended up leading the team that bought my entire suite of Home Improvement Authority Sites in 2006.

No 14 Develop and Host a Podcast

There is no rule that says quality content should only consist of text and images.

You can use podcasting to open the gates of whole new opportunities for your site. A podcast will allow you to reach a whole new sub-set of your market that prefers to connect with your brand via audio.

Inviting experts from your niche to be your guests.  This can quickly set you up as an authority in your niche.

You can also be a guest on other people’s podcasts. This podcast exposure will help you build your authority, since the podcasts will often link to your website and social media profiles.

No 15 Highlight Your Testimonials

Transform An Ordinary Blog Into An Authority Website

It should go without saying that your website should include social proof – this takes many forms but the two most people will be familiar with are:

a) Displaying customer testimonials

b) Details of where your content has been mentioned / quoted.

You have probably seen many websites share the information of where their content is published or where their names are mentioned. It can also be in the form of customer testimonials showing what other people said about that specific product or service.

website promotion offline

What are these websites trying to achieve by sharing this information publicly?

They want to manage audience’s perception by telling they are a respected brand of the community, therefore you should also trust them. This is also called social proof and it will help establish your site authority.

Encourage your readers and buyers to give you a testimonial by making it easy for them. Have a specific form on your website where readers can give feedback / supply testimonials.

Notes:

  • On the form give people opportunity to attach a photo of themselves (a personal photo with a testimonial is even more powerful)
  • Ask questions that encourages (directs) the reader to give the kind of reply you want. For example: What was your biggest fear before purchasing our product? Did it come true, and if not, what happened instead?
  • Two other questions that often get great answers are: What, specifically, was your favorite part of our product, and why? AND If you were to recommend this product to your best friend, what would you say?

No 16 Learn from other authority sites

Note, I said learn from other authority websites – not copy them!

Inspiration is all around.

Many the time, another authority website (both in my own niches and un-related niches) has giving me inspiration for something to implement on my own website. Often it is a tweak on their approach, rarely is it the exact same thing.

When comparing other authority websites, I note their web design, writing style, content length and depth, and even where they host their website in order to learn how they organize everything.

Go to Wayback Machine, and check how their site looked a year or maybe 5 years ago. Check individual articles, amount of links and social signals their content has pulled. Success leaves clues. You will find great points to utilize for your site if you study other successful sites.

BONUS…

Interview With An Authority Website Owner

Not all Authority Websites get huge quantities of traffic.

There are plenty of successful Authority Websites that don’t get millions of visitors per month or even 100k’s of visitors per month, yet they make their owners a large income.

For these sites, it is not the amount of traffic they get that matters, but the quality of traffic that matters.

One such site is UK Business Brokers which was founded by my good friend Clinton Lee.

authority website business brokers

If you where to do a UK search for “Business Brokers” and related terms you would find that Clinton and his website frequently occupy the top organic positions with articles such as: Business Broker: 10 Facts You MUST Know Before Engaging One!

As you can imagine, this gives Clinton and his business a significant competitive advantage in a very competitive marketplace.

Fortunately for us, Clinton has agreed to answer some questions on his strategy for creating Authority Websites. (Clinton has created Authority Websites several times before, selling some of them for significant amounts)

I think some of his answers may surprise you.

I am not saying, do as Clinton does, rather I am saying there is more than one way to create an Authority Website

Question 1: When deciding to create an authority website (or indeed any website) what do you consider the most important factors to consider?

Answer:

=> What questions is our content answering?

=> What problems are we solving?

=> What information would help the public?

=> What material is likely to seen as useful enough to get bookmarked / shared?

Answer these questions and variations of these questions and the SEO will almost take care of itself.

To know the mindset of the customer, and therefore the questions and concerns they have, takes experience in the field and speaking with a lot of customers. That’s phase one. Then it’s about also providing answers to the questions on topics that the customers don’t know they don’t know i.e. the information for the public – sharing insights, stats, case studies, white papers. It’s a continuous process and I posted two new articles on UK Business Brokers just in the last week.

Question 2: How much time do you spend on SEO?

Answer: Not that much actually. People I know in the industry sometimes ask me to write an article for them and I do so. This is usually on a topic I’m very familiar with so it doesn’t take long to knock out 1,500 or 2,000 words. I rarely hunt for guest post opportunities but will contact the webmaster if I find a particularly good site in my niche. Once they check me out they are usually happy to accept an article. I do perhaps half a dozen such articles in the year. Sometimes they link back to me and sometimes they DON’T! But even the latter is fine. I don’t chase follow links or links above the fold or any of the other SEO “principles”.

I’m happy if they either link to me or mention my full name, or both. I have on occasion sought a directory link if it’s particularly relevant, or included a link to my site in profiles I have elsewhere. I’m fortunate in that I’ve been quoted in lots of places from Forbes in the US to The Times in the UK. Get enough good content out there and getting “quoted” sort of just happens.

Question 3: How much time and effort do you put into Link Building.

Answer: To establish the site initially, about 100 – 200 hours in the first year. After that it’s a lot less. But then I do a lot of posting in many forums, on Reddit, in LinkedIn and often drop a link to a page of mine where I’ve answered a specific question …so that’s link building I suppose and if you count that, probably a few hours every week!

Question 4: I notice you have a number of related websites. (I suppose sub-niche websites) – is there a particular strategy in doing that?

Answer: LOL, I wish I could say that it’s some master plan! Or some clever link juice channeling strategy! But it’s simply the way things developed. UK Business Brokers is an information site, each post / article is carefully thought out. But I wanted a place where I could post quick snippets about interesting articles I’ve found elsewhere so I started resources.theexitfirm.co.uk.

Then I wanted to create a directory of all the business brokers in the UK – there seemed to be a desperate need for that information, but none of my existing sites were the right “feel” for it, so I started https://itabb.org/uk/directory .

Separate to all those, I’ve got a huge scraping operation currently going; I’m collecting data from all the businesses-for-sale marketplaces. I’m crawling daily and collecting massive amounts of information on what’s happening in the market. There’s much intelligence to be extracted from this, but where am I going to post it? I feel a new site coming on! You heard it here first.

Question 5: If you were starting over, what might you do differently?

Answer: Hire someone to do all the tech stuff, the background stuff on the website – design, creating the images and shrinking them, development work like creating and managing forms, keeping the site secure, blocking spam, tracking and banning bots, taking backups – all the boring stuff.

Thank you Clinton. We recognize that many website owners are secretive about their strategy and reluctant to share information like this. Your generous spirit is appreciated!

Ready to fast track your authority website development?

=> To receive an advance copy of Authority Website Confidential (our new Authority Website publication) – Register Here

=> To get authority website coaching with Barry Dunlop – request 1-1 or group coaching here

=> Do you have an authority website to sell – Claim Your Free Website Valuation & Exit Strategy Today

The only Authority Site online training we recommend

Do you dream of having a blog or website that produces 4, 5 or even a 6 figure income every month?

Are you prepared to make a modest investment in your own future?

Then The Authority Site System [TASS] from Authority Hacker is for you.

It is arguably the best training of its kind, available in the world right now.

Here’s what’s included in The Authority Site System:

  • 120+ step-by-step training videos
  • More than 70,000 words of written content and tutorials
  • A clear and detailed lesson plan to follow
  • ‘Done for you’ copy/paste templates
  • A full-length case study of how they build a new authority site
  • A bustling Facebook support group full of savvy online marketers
  • A direct way to get your questions answered by the Authority Hacker team.

Get started with a FREE Introductory Webinar.

Even if your funds don’t allow you to make the investment in paid training right now, this webinar will educate, inspire and motivate you to make your own authority website a reality.

Watch it while you still can!

Author Bio:
“BarryBarry Dunlop is a lifelong Entrepreneur, Sales Turnaround Expert and publisher of the The Sales Turnaround Report. To request your free copy CLICK HERE. You can also connect with Barry on LinkedIn

Helping entrepreneurs to grow their businesses and make a positive change in the world.

 

The post Authority Website Launch, What You Need To Know appeared first on How To Make Money Online.

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Tiger King Stars Have Been Spotted in Throwback Britney Spears Photos and Fans Are Shook

Britney Spears, 2001 VMA, Doc Antle, Tiger KingBritney Spears’ iconic MTV Video Music Awards performance just got even more interesting.
For the many who have binged Netflix’s new craze, Tiger King, Joe Exotic’s world and…

American Family Home Insurance Review

Whether you’re a new home buyer or a long-standing customer, it’s worth at least getting a quote from American Family homeowners insurance. With a broad range of coverage options, several discounts and plenty of digital tools and resources, American Family Insurance can meet most peoples’ needs.
American Family gets average scores for customer service and policy pricing, so it’s worth getting a quote to get an idea of what your policy would cost. Plus, you can get a quote online or work with an advisor to personalize your quote so you have a more specific idea of your premiums.

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The specs

Price Varies by location, home and other factors
Best for New home insurance buyers and people with a personal or family history of working with American Family Insurance
Not for People looking for top-tier customer service
States served AZ, CO, CA, GA, ID, IL, IN, IA, KS, MI, MN, MO, NC, NE, NV, ND, OH, OR, SC, SD, TX, UT, VA, WA and WI
Discounts
  • Safe home
  • Smart home
  • Bundle & save
  • New home
  • Renovated home
  • Home purchase
  • AutoPay, full pay, and paperless
  • Loyalty
  • Generational
AM Best Rating A
Standout features
  • Lots of discounts
  • Lots of coverage options
  • Lots of digital tools

The claim

American Family Insurance acknowledges that “your household is unique” so it offers “optional coverages that fit your unique needs.” It also claims to help first-time homebuyers get set up with the right coverage and offer savings to people who stick with them long-term, especially those who keep it in the family (i.e., kids who buy AmFam insurance when their parents are AmFam customers).

Is it true?

It seems to be. Specifically, American Family Insurance’s readily available digital tools make it easy to get the info you need to make an education decision when buying your home insurance policy. American Family offers a calculator, checklist and robust FAQs to give you plenty of information to make an informed purchasing decision.

The provider also has customizable coverage to fit your needs. With add-on options like sump pump and water backup or matching siding coverage, you can personalize your policy.

Also, American Family homeowners insurance offers a broad range of discounts and a diminishing deductible program, which means your deductible can drop every year you don’t file a claim.

As far as customer satisfaction, you can expect to feel decently happy with AmFam, but not overly excited. In the 2019 J.D. Power Home Insurance Study, American Family scored threes out of five for overall satisfaction, policy offerings, price, billing process and policy information, interaction and claims.

Our deep dive

  • Digital tools: With AmFam, you get access to a broad range of online tools like a home insurance calculator and home insurance checklist. Also, you get the MyAccount App.
  • Quote options: You can pick the right quote process for you. American Family homeowners insurance offers both a quick online quote or the option to work with an advisor to get a more detailed, personalized one.
  • Around-the-clock support: American Family Insurance has 24/7 claims support.
  • Standard coverage: Your policy protects your dwelling, other structures on your property, your personal belongings, certain expenses if you get displaced by a covered cause (loss of use coverage) and your liability. Note that standard home insurance policies don’t cover earthquakes or floods.
  • Additional coverage: If you want, you can add equipment breakdown, sump pump and water backup, credit theft and monitoring and matching siding coverage.
  • Safe, smart home discounts: Fit your home with a Ring doorbell or Nest system and save.
  • Loyalty discounts: Long-term AmFam customers can get discounts, as can people who have parents with American Family homeowners insurance policies.
  • Home discounts: You can also score discounts if your home is newly built, recently renovated in a significant way, or you purchased it in the last three years.
  • Other discounts: You can save if you bundle your home insurance with other policies you need, like auto insurance. Plus, you get savings if you sign up for AutoPay, full pay or paperless billing.
  • Diminishing deductible: Over time, your deductible can decrease if you choose this American Family home insurance policy.

Cost rundown

While we’d love to tell you how much your American Family home insurance will cost, we can’t. Your home insurance premiums depend on a bunch of factors that are, as AmFam would put it, unique to you. Those include:

  • The location of your home and its risk for natural disasters
  • The cost to rebuild it
  • How much personal property you store in it
  • If you own any dogs
  • Your credit score (in some states)
  • The deductible you pick
  • Your home’s features, like security systems or fire prevention

Cheaper (or free!) alternatives

If you have a mortgage, your lender will require home insurance. But if you own your home outright, congrats! You can skip home insurance, provided you feel comfortable you’d be able to repair or rebuild your home, replace your belongings and cover your liability should an issue ever arise.

If you want insurance, there are a few things you can do to lower your premiums:

  • Increase your deductible (as long as you can comfortably cover it as a one-time expense)
  • Bundle your home insurance with other coverage you need like auto insurance
  • Stick with American Family Insurance for a while so you can score the loyalty discount
  • Invest in a smart, safe home
  • Sign up for AutoPay, pay your premium in full or use paperless billing
  • Get quotes from multiple insurance providers to make sure you’re getting the best rate
  • The competition

    One of the best ways to know which provider is right for you is by comparing your options. That means getting several quotes, but it also means getting to know the strengths and weaknesses of your options. Here are some highlights from the most popular options.

    • Allstate: If you care about claim forgiveness, check out Allstate. It also scored threes (i.e., about average) out of five in the J.D. Power study, so you can rest easy knowing Allstate has you covered in key areas.
    • Farmers: Reviewers rated Farmers “about average” for every category measured in the 2019 J.D. Power Home Insurance Study. While Farmers might not blow you away with its policy offerings or prices, it’s worth getting a quote.
    • State Farm: The biggest home insurance provider in the country, the J.D. Power study awarded State Farm four out of five for overall satisfaction and fours in three of the five categories. This places State Farm firmly in the “better than most” category, making it well worth getting a quote from.
    • The Hartford: The Hartford offers home insurance for a specific demographic: AARP members. If you’re over the age of 50, and especially if you’re retired, get a quote from The Hartford so you can score the discounts geared specifically to you.

    What others are saying

    Insurance Business Magazine reported that American Family Insurance planned to merge with Main Street America. That merger was completed in October 2018. Main Street American now operates within the American Family Insurance brand.

    The Milwaukee Journal Sentinel reported a 20 percent revenue increase, a 13 percent asset increase and a 54 percent net income increase for AmFam in 2019. That shows that American Family is profitable and continuing to grow.

    The Better Business Bureau gives American Family Insurance an A rating, but reviews published with the BBB average at just over one star for the company. Remember, though, that people often only get the BBB involved once something has gone wrong.

    The bottom line

    Ultimately, if you live in one of the states where American Family Insurance offers home coverage, get a quote. With lots of discounts, coverage customization options and digital resources, American Family can help you get the right policy and easy access to your coverage when you need it.

    The post American Family Home Insurance Review appeared first on The Simple Dollar.

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Top 5 Mistakes to Avoid When Buying Your First Rental Investment Property

Top 5 Mistakes to Avoid When Buying Your First Rental Investment Property

Buying a rental speculation owned( or multiple rental dimensions !) is a great move to build wealth, diversify your investments, and perhaps even generate some monthly income. And while you may be excited to get started, it’s not as easy as it looks, so make your time. Consider your rationalizations behind giving and lay out your plan of attack early so you don’t clear these expensive mistakes.

Not doing investigate

Read any diaries on structure abundance and you’ll learn that real estate is a great way to do it. But, that doesn’t mean you should dive privilege in without doing your research, including information on which type of property to buy and how to manage it formerly you do.

The best direction to learn is by networking with others in the industry and learning from them. There is still plenty of podcasts, journals, blogs, and websites available on how to invest in real estate. You’ll be well served by at least learning before actually buying a rental property.

Don’t forget to research the drawbacks of investing in real estate. Knowing these will help you minimize them and reduce your risks.

Not hiring a real estate agent

If you find a great agent experienced in investment owneds, they can be worth their weight in gold. Not merely will they lead you through all steps of the process, because of their local network, but they may also be able to point you to qualities that haven’t stumbled the market hitherto. Not to mention, real estate agents have access to your regional MLS, and they’ll be able to find off-market assets as well.

Plus, they can help you figure out imaginative financing options to make sure the lot doesn’t fall through because of lack of funding. The best part is purchasers don’t pay real estate commission fees, so it’s certainly worth receive a good worker to guide you through the process.

Buying a quality that is too expensive

Buying an investment property at the right price can be a fine art. While you may find a dirt-cheap property, it’s likely in need of major reparations — which can be both a season and fund dump. On the other hand, if you are buying a property that’s rent-ready but too costly, you may not be able to generate enough in monthly lease to cover the cost of the mortgage( i.e. positive cash flow ).

It’s also important to consider the purchase price and closing costs. Be sure to factor in other overheads like asset taxes, coverage, your mortgage pay, and any practicalities you’re paying for future renters — not to mention vacancy and cost of repairs.

Picking bad holders

One of your most important tasks as a “owners ” is choosing the right tenants who will pay rent on time and take care of your rental dimension. We’ve all heard narratives about our co-worker’s uncle John with a tenant from inferno that payment him millions of dollars and junked the place. Sadly, there’s a pretty good chance John didn’t have a great screening process in place for prospective holders and his issue could have been easily avoided.

Ensure you don’t have to go through the expensive( and stressful !) process of a tenant expulsion by screening all holders from the start. This includes running a background check, approval report, and income verification on each and every tenant you consider putting in your property.

If you’re worried about tenanting your first rental speculation owned, consider hiring a dimension conduct corporation to find your holders, screen them, and move them into the property. They’ll likely indict a one-time fee for the move-in, on top of their monthly fee of about 10% of egregious monthly rent, but it could save you tons of fund and hassle in the long run. Plus, you’ll be sure you’re following all neighbourhood, position, and federal landlord-tenant laws and shun getting indicted!

Setting the rent too low( or too high !)

Much like the lean cost on a home, it’s important to make the sugared recognise on your monthly lease. Too high-pitched and you’ll have too small of a reserve of possibilities renters and they’ll likely go with the cheaper, but analogous alternative. Too low-toned and you’ll leave here capability income on the table.

To find the best price, network with other landowners in the field, talk to real estate agents who are plugged into the investment property market, and research other rental schedules on places like Zillow or Facebook Marketplace. Do comps in your expanse to know with certainty what you should be charging.

Source: mahvisor.com

The post Top 5 Mistakes to Avoid When Buying Your First Rental Investment Property seemed first on AAOA.

Read more: american-apartment-owners-association.org

Quantum: In Search of the Invisible

The inner levels of matter and energy follow rules and patterns so different from the ones we’re used to that they defy our mental schemes. Over the past few decades, quantum physics has been exploring how these fundamental particles operate everything in the universe. Their influence is hiding inside both the very mundane and the very extraordinary. Quantum physics is behind your morning toast apparently but it is also behind transistors, laser technology, GPS, cryptography, atomic clocks, MRI and many of the technological advances of recent years.

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Semiconductor, The View from Nowhere, 2018

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Lea Porsager, CØSMIC STRIKE, 2018. Photo by Caroline Lessire

What makes quantum physics so mind-boggling, however, is the way it mocks not only our trust in what we’ve always known about the world but also our capacity for imagination. Quantum physics tells you that a phenomenon can occur at the same time in two time-spaces. Or that the world we live in might very well be a vast hologram. A number of philosophical questions inevitably emerge from the new paradigms it brings about. Questions about the nature of reality, the importance of speculation in science, the limits to what humans can comprehend, etc.

Caroline Lessire
iMAL entrance on Quai des Charbonnages / Koolmijnenkaai in Brussels. Photo by Caroline Lessire

iMAL, the centre for digital cultures and technology in Brussels, has re-opened a couple of weeks ago with a spectacular art exhibition that explores the world of quantum physics. I’m sure you can guess the bad news: iMAL is closed until further notice. Keep an eye on their social media though, it is not only a space where creative minds from all over the world like to meet but also, because of its location in the infamous neighbourhood of Molenbeek, a cultural centre which programme will also address the inquisitiveness of local communities who tend to be left out of the cultural offers.

Caroline Lessire Astronomer Vera Rubin
Suzanne Treister, The Holographic Universe Theory of Art History (THUTOAH), 2018. Photo by Caroline Lessire

I was lucky enough to be in Brussels for the opening weekend of Quantum: In Search of the Invisible. The international project, curated by Mónica Bello, Head of Arts at CERN, and José-Carlos Mariátegui, scientist, writer and curator, presents ten projects by artists who have spent time at CERN discussing with engineers and particle physicists.

The show is visually stunning. The installations and videos exhibited might be anchored in robust science but they are also able to speak to human imagination and sense of wonder. Here are some of my favourite:

Caroline Lessire Evelina
Suzanne Treister, The Holographic Universe Theory of Art History (THUTOAH), 2018. Photo by Caroline Lessire

Caroline Lessire Suzanne Treister
Suzanne Treister, The Holographic Universe Theory of Art History (THUTOAH), 2018. Photo by Caroline Lessire

No one in the world looks at technology the way Suzanne Treister does. At first sight, the way her work The Holographic Universe Theory of Art History (THUTOAH) approaches quantum physics is a bit puzzling and bizarre but it turns out to be grounded in genuine scientific debates. I had never heard of the holographic principle and the theory that our universe could be a vast, two-dimensional hologram.

Treister uses the theory to hypothesises that artists, every since they started painting in caves, may have been unconsciously attempting to describe the holographic nature of the universe.

The Holographic Universe Theory of Art History (THUTOAH) bombards our retinas with over 25,000 chronological images (25 per second) of works of art created by humanity. The video treats images like electrons and protons in a particle accelerator and plays with our brain’s capacity to process images. A series of watercolours and a soundtrack of interviews with CERN particle physicists accompany the video and further explain the holographic universe principle.

Diann Bauer, Scalar Oscillation, 2018

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Diann Bauer (in collaboration with composer Seth Ayyaz), Scalar Oscillation, 2018. Photo by Caroline Lessire

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Diann Bauer, Scalar Oscillation (in collaboration with composer Seth Ayyaz), 2018. Photo by Caroline Lessire

Time doesn’t really exist. A crash course by Carlo Rovelli

Time as it functions in physics is different from the temporality we experience. The reason why the distinction is important is that our most advanced systems operate on time scales that our human physiology can’t comprehend.

Through an hypnotising avalanche of text, graphics and sound, Scalar Oscillation overloads our senses and pushes our capacity to absorb and process information.

The script for Diann Bauer‘s video is partly based on physicist Carlo Rovelli’s book The Order of Time. The video makes the claim that even the most stable of objects, when observed from non-human scales are processes rather than things. It is science that defies our most basic human experience.

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James Bridle, A State of Sin, 2018. Photo by Caroline Lessire

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James Bridle, A State of Sin, 2018. Photo by Caroline Lessire

A State of Sin looks at mathematical randomness, a concept critical to many processes from gambling to cryptography. Randomness, however, cannot be computed, it must be acquired from the world. That’s exactly what the robots in the installation do.

The 8 random number generators on tripods look like little robots. Each of them uses a different sensor to sample randomness from the environment: level of moisture, sound, light, etc. They then generate random numbers from their reading. A nearby screen displays in real time the data captured.

The work cleverly demonstrates how much computational practices are dependent on the chaos of the world. Just like art. Just like the kind of creative thinking that underlies the work of engineers and particle physicists.

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Yunchul Kim, Cascade, 2018. Photo by Caroline Lessire

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Yunchul Kim, Cascade, 2018. Photo by Caroline Lessire

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Yunchul Kim, Cascade, 2018. Photo by Caroline Lessire

Yunchul Kim very briefly describing Cascade, 2018

Cascade explores matter by capturing the pattern of muons. Muons are everywhere. These subatomic particles, much heavier than the electron, shower Earth from all angles and can pass through hundreds of metres of solid material before they are absorbed.

When muons are detected by Cascade’s handmade detector, a signal is sent to a chandelier-like structure, a light and connected pumps are activated and a fluid can be seen traveling through the transparent tubes of the sculpture, making sub-atomic activities visible. It’s slow, subtle and it requires a little bit of faith in what you think you’re seeing.

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Juan Cortés, Supralunar, 2018. Photo by Caroline Lessire

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Juan Cortés, Supralunar, 2018. Photo by Caroline Lessire

Astronomer Vera Rubin changed the way we think of the universe by advancing that galaxies are mostly dark matter. Dark matter, a “material” that does not emit light nor energy, is thought to account for approximately 85% of all matter in the universe.

Supralunar consists of a series of electromechanical gears in motion that renders physiologically perceptible the patterns in astronomical data from which Rubin and other scientists have inferred the existence of dark matter.

More works and images from Quantum:

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Julieta Aranda, Stealing One’s own Corpse (an alternative set of footholds for an ascent into the dark) – PART 3, 2018. Photo by Caroline Lessire

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Julieta Aranda, Stealing One’s own Corpse (an alternative set of footholds for an ascent into the dark) – PART 3, 2018. Photo by Caroline Lessire

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Exhibition view of Quantum: In Search of the Invisible. Photo by Caroline Lessire

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Evelina Domnitch & Dmitry Gelfand, Mucilaginous Omniverse, 2009. Performance during the opening weekend of Quantum: In Search of the Invisible. Photo by Caroline Lessire

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Evelina Domnitch & Dmitry Gelfand, Mucilaginous Omniverse, 2009. Performance during the opening weekend of Quantum: In Search of the Invisible. Photo by Caroline Lessire

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Evelina Domnitch & Dmitry Gelfand, Mucilaginous Omniverse, 2009. Performance during the opening weekend of Quantum: In Search of the Invisible. Photo by Caroline Lessire

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Evelina Domnitch & Dmitry Gelfand, Mucilaginous Omniverse, 2009. Performance during the opening weekend of Quantum: In Search of the Invisible. Photo by Caroline Lessire

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Inside iMAL. Photo by Caroline Lessire

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Exhibition view of Quantum: In Search of the Invisible. Photo by Caroline Lessire

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Exhibition view of Quantum: In Search of the Invisible. Photo by Caroline Lessire

Quantum: In Search of the Invisible, curated by Mónica Bello, Head of Arts at CERN, and José-Carlos Mariátegui, scientist, writer and curator, will hopefully reopen very soon at iMAL in Brussels.

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