How To Make Money From Home Fast

How To Make Money From Home Fast

informant Code Red Profits – Complete Sales Funnel Kit You’ll get a copy of the squeeze page, the thank you page, the giveaway videos, the bonus report, the email follow …

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Museums On Us | Free admission to museums nationwide for Bank of America customers

If you love museums, don’t miss Bank of America’s Museums On Us deal each month!

Looking for more frugal fun? Check out our latest posts about family fun events near you!

Museums On Us Free Admission

Bank of America and Merrill Lynch customers can get free admission to over 150 participating museums nationwide this weekend on December 7th and 8th, 2019.

This freebie deal was also valid the first full weekend of every month in 2019, so we’re hoping to see this again in 2020!

Go here to see a list of participating museums.

Be sure to bring your credit or debit card and a photo ID to get FREE admission.

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Unplugging PG&E Is Easier Said Than Done

As California ultimately makes see of the burns that have been burning for weeks, PG& E is–and will continue to be–in the electric chair. It seems likely that transmission equipment from the practicality, which renders power for roughly 40 percent of Californians, sparked the recent Kincade fire, a inferno that pushed over 180,000 parties from their dwellings in and near Sonoma County, destroyed 374 arrangements, and burned almost 78,000 acres. As countless as 16 burns burned across the state over the past various weeks, and at the same time PG& E was intermittently chipping capability to millions of people–a practice the company’s CEO predicts will continue for another decade. Gov. Gavin Newsom declared a emergency situations and hasn’t been balk about calling out the company for it’s mismanagement and incompetence.

This has put PG& E, which registered for bankruptcy in January over the key role in other recent wildfires, in the crosshairs of just about everyone–customers and legislators, as well as the governor–and state officials are looking urgently for a savior to extricate the collapse grid and the flailing utility.

“This is a case of first impression. The future is going to have to be invented here and devised pretty quickly .”

But right now, it’s really difficult to foresee what the future holds for PG& E–and more broadly for vigour across California. Newsom has hinted the government, if it’s not satisfied with the pace of insolvency proceedings, could step in and try to take control of PG& E, but he also recently called on Warren Buffet’s Berkshire Hathaway to make a bid for the company.( Berkshire Hathaway’s energy subsidiary is deeply invested in practicality companies and renewables in California and several other countries .) The minister has always been open to the idea of municipalities taking over their own power management, which some of the cities themselves have echoed. At the same time, in ongoing bankruptcy proceedings, PG& E’s shareholders are fighting its bondholders, who’ve assembled an alliance with shell scapegoats, for control.

I recently called up John Geesman, an vigour consultant and lawyer who acted as the executive director of the California Energy Commission, the state’s primary energy policy and proposing bureau, to try to figure out what is going on and who would even want to take on this mess. We talked about the different stakeholders involved, who might end up in charge of regional power, and what the maneuverings will means for the utility’s millions of purchasers.” This is a case of first impression ,” he says.” The future is going to have to be invented now and invented pretty quickly .”

When we spoke last week, Geesman’s home had been without capability since the weekend before, so he was staying up in the Sierras where energy, run by a public utility district, was still flowing. Regardless of who makes over PG& E, the transition will be ” very difficult ,” he says.” Clients are going to end up compensating under any situation .”

A new period of private ownership

Many have been skeptical of Newsom’s call for Berkshire Hathaway to step in and take over PG& E, which would essentially replace one form of private ownership for another. “It feels a bit like longing for a savior when there isn’t an self-evident mixture or a cheap solution ,” insolvency rule professional Jared Ellias told the Sacramento Bee.” There isn’t a white knight .” But Geesman thinks it might be less about a white knight and more about upping the challenger.” What the minister was emphasizing was the desire to get as numerous bidders as possible ,” he says. Plus, Berkshire Hathaway does have exertion expertise with a lean toward renewables, and Warren Buffet has managed to keep a good reputation, which is more than PG& E can say.( Well aware of their fall from grace, PG& E preemptively bought up domain names like pgecrooks.com and pgefailure.com when it registered for insolvency .)

It might be less about a white knight and more about upping the competitor.

While Buffet hasn’t yet indicated any interest in getting involved, PG& E’s bondholders have been looking to wrest control of the company since it went into bankruptcy. As Geesman notations, unlike the shareholders–who have a emulating reorganization plan–or an outside radical like Berkshire Hathaway, the bondholder group, made up of hedge funds, doesn’t have vigor operation know-how.( Fire scapegoats are supporting the bondholder scheme, which would pay out billions more in compensation .)

But it’s not even certain any of these groups will want to take over anymore. The bondholders’ project has a clause allowing them to back out if PG& E is observed liable for major shatters in a new wildfire. PG& E shares have tanked by approximately 70 percent in 2019, dipping below$ 4 per share last week, so it is understandable that entities might be scared off.( The shareholder’s dictation has a same rider, and the same logic address .) Starting in january, courts will begin determining wildfire injuries and PG& E’s culpability for the Tubbs fire that ravaged parts of Northern California in 2017.

Still, Geesman fears either the bondholders or shareholders will throw their dictations.” The franchise as it exists today has enormous earning capability and that’s what’s lured the different wolf backpacks of speculative investors ,” he says.” If PG& E has been vilified for the last several years for inefficiency, it’s pretty easy to hypothesize from your office on Wall Street that you could just hire better managers and potentially slice and dice that $20 billion revenue stream in such a way that it builds for a very good investment. Wolves have an innate ability to sense protein. There’s a lot of potential revenue protein in a practicality dealership .”

Whoever expirations up in charge of PG& E, it’s important to remember that the utility monstrou didn’t hit rock bottom on its own–and, accordingly, a better future method will almost certainly need more than brand-new owned. People have long criticized PG& E’s uncomfortably close ties with former Gov. Jerry Brown’s administration and the revolving door between the California Public Utilities Commission and the practicalities it modulates. PG& E has spent over $31 million on lobbying in California since 2001, over$ 8 million of which was spent in 2018.” The regulatory example comprises a fair quantity of denounce” of the present situation, Geesman says. But,” I don’t think this is a problem where you can rationalize,’ Well, I’ll simply establish better parties .’ You actually need to focus more on changing that system rather than the individuals responsible for administering it .”

“It’s pretty easy to hypothesize from your office on Wall st. that you could just hire better managers and potentially slice and dice that $20 billion revenue stream. Wolves have an innate ability to sense protein .”

Regulators have failed to hold PG& E accountable in many instances. For precedent, practicalities can use monies from the PUC for certain needs like maintaining gear, but once they have the money,” very rarely does the commission actually fix cords to that fund ,” Wall Street Journal energy reporter Rebecca Smith explained on KALW’sYour Call .”” I think this has allowed the company to do whatever it craved .” Neglecting to adequately spend on maintenance and equipment over period is one of the biggest assessments leveled against PG& E. It’s unclear if that kind of( or shortcoming of) omission would propagandize another corporation to behave better.

A public takeover

As frustration organizes, more and more parties, including presidential hopeful Sen. Bernie Sanders( I-Vt .), seem to believe that the most effective way forward is via borough switch. “It is time to begin thinking about public ownership of major utilities, ” Sanders said recently. “The parties of California are suffering because of the avarice and fraud of practicality corporations and their executives.”

But ” public ownership” could intend a lot of different things. San Francisco, for instance, offered to buy PG& E’s neighbourhood power line for $2.5 million in September. PG& E rejected its bid in October, but under the proposal, San Francisco would’ve restricted the electrical equipment within the city, allowing it freedom to pick a non-PG& E power supplier. And in San Jose, California’s third largest city, Mayor Sam Liccardo has proposed turning PG& E into a nonprofit customer-owned cooperative. Different than a government takeover, Liccardo likened the cooperative notion to a credit union. The suggestion has garnered support from more than two dozen mayors and province administrators who collectively represent about 5 million residents.” A PG& E that needs to rely on junk bonds to finance its future is not a PG& E that California can rely upon, and we need to move forward with a different approach ,” Liccardo told KQED.

There has been success with municipal owned abroad; public power practicalities exist in towns and localities in every government besides Hawaii. Geesman argues that over the” last several years, probably increasing back to the San Bruno experience nine years ago ,” it’s been clear that” accountability is most likely to come at the local level, where upkeep issues and investment issues can be intensely analyse as opposed to this model that we’ve continued at least a decade too long .” And as intensity expert Steven Weissman recently explained to me,” If you’ve got San Francisco Public Utilities Commission as an elected timber, and they goof up, then you answer to the voters…Because you’re a regional official, and “were living” locally, you run into constituents in the street, and you go to meetings and you talk to parties. The community-level quality that are placed on something like safety and reliability can become much higher priorities .”

“Accountability is most likely to come at the local level, where upkeep issues and investment matters can be intensely scrutinized as opposed to this model that we’ve continued at least a decade too long .”

At the same time, beings in communities across the state have already been trying something slightly different: Community Choice Aggregation( CCA ), a set-up where a town or district or a combination of both take over energy buy, but the country utility, like PG& E, continues to handle customer service and maintenance. CCAs can then designated different paces and volunteer more energy options, including 100 -percent renewable energy( though at a higher cost ). Individual residents and firms in this scenario can opt out and stick with the investor-owned utility. This contributes communities more power over premiums and more access to alternative energy sources. Only nine moods have passed legislation enabling such setups. Currently, there are 19 CCAs in California, and such curricula already dish a bit under half of PG& E’s customers. In the San Diego area, where CCAs have grown in popularity, San Diego Gas& Electric is exploring handing over power procurement to CCAs entirely, so that the investor-owned company would only be an energy transmission and spread business( something the California Community Choice Association wants PG& E to do ). Theoretically, if utility business only have to focus on the cables, they’d do a better chore of managing probability.

All these options come with their own detriments and complications, though at this gloriou magnitude, it’s pretty much new field. Any mixture will be complex and difficult and likely necessary new laws, and there is still the possibility of mismanagement. Many public entities, of course, scarcity know-how in the force business.” You’re not going to have a public merger tomorrow ,” Geesman says.” Those things take an extended extent of time .”

Plus, PG& E has yet to signal any desire to turn over control. But if PG& E is detected liable for major flame impair yet again, and the shareholders and bondholders use their ” out ” clauses to withdraw their bids,” then I suppose the bankruptcy process probably follows quite a bit more rapidly into a liquidation ,” Geesman says, which paves the space for quicker borough merger. If bankruptcy proceedings don’t induce something Sacramento finds acceptable, that’s when Newsom says he might refer the government’s own proposal to the courts.

A grim reality for customers

Unfortunately, in the end, Californians are likely to suffer no matter what happens.” Patrons are going to end up paying under any situation. You’ve got the existing equity evaluate of PG& E down below the$ 4 billion position. There’s only so much blood in the stone that they are able to constricted out move forwards ,” Geesman says.” The biggest problem that I would envision is a very difficult transition period. What happens while we’re getting from here to there? Who operates information systems, and who abides the cost of that? And the customers are the only people with the resources to pick up the legislation at the end of the working day, and as a consequence, that’s where your business indebtednes is likely to end up .”

“You’ve got the existing equity value of PG& E down below the$ 4 billion tier. There’s only so much blood in the stone that can be pressured out going forward .”

What’s more, the current grid is outdated and in disrepair, and even San Jose’s Mayor Liccardo declares it’d be costly to revamp: “We’re not delusional about current challenges here, ” he told the New York Times.

Inevitably, some tenants will suffer more than others, motiving major equity issues in the short and long term. The state is already seeing it in the aftermath of PG& E’s deliberate power outages, which are disproportionately affecting low-income and other vulnerable communities.” We’ve had some deplorable economic desperation prompted in these blackouts ,” Geesman records.” I think there’s going to have to be accounting for it .” In just one example, at least 20 low-income elders who squander walkers or wheelchairs were captured in their apartment complex in Marin County last week when the elevators stopped toiling during a two-day blackout. During the first round of supremacy outages, PG& E reports showed that at least 8,500 client with special vigor needs due to medical conditions were affected.

That said, the current fiasco also opens an opportunity for real change. Practicality have historically teamed up to block alternative vigour arrangements like microgrids–local community-operated energy grids that can operate and be controlled autonomously. When all the utilities band together, the barriers to reform can be ” insurmountable ,” Geesman says. But when alliances are destabilized by a weak link, say,” a bankrupt convicted felon who has killed dozens of people over the last several years and is not somebody anyone affords a great deal of credibility to those are pretty good conditions under which to work change .”

Read more: motherjones.com

The Best Student Loans Of 2019 – How To Find The Best Loan

Student loans are a huge burden, and also super complicated. But these companies are the best of the best to pay off your loans.Student loans are a huge burden, and also super complicated. But these companies are the best of the best to pay off your loans.

The post The Best Student Loans Of 2019 – How To Find The Best Loan appeared first on Money Under 30.

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The Cheapest California Renters Insurance Companies 2019

With nearly 40 million residents, California is enormous, and so is its renter population. Stockton, Anaheim, Santa Ana and San Bernardino are all cities where renters outnumber homeowners. Californians spend most of their household income on rent, the highest in the country, so renters insurance is especially critical for extra protection. California prices for the best renters insurance are more expensive than other states, averaging an annual total of $223.

Renters insurance protects your belongings if they are damaged or lost in circumstances like fire, theft and vandalism. Although renters insurance is not required of residents, it comes highly recommended nonetheless. It will provide protection for your most valued belongings.

With so many renters insurance companies, it’s more important than ever to do your due diligence when looking for the best cheap renters insurance in California.

The best cheapest renters insurance companies in California

Unlike California car insurance, there are no state requirements for California renters insurance.

Renters insurance includes personal property and personal liability coverage, medical payments and even additional living expenses should you have to vacate the property for protected events. The cost of renters insurance is also based upon the number of policies and claims filed within the state. This includes the total cost of all insured items.

There are many factors that insurance companies consider when creating your quote. Things like your neighborhood, coverage and deductible will all determine what you pay.

These are California’s best cheapest renters insurance companies:

  • Allstate: Allstate’s plans cover living expenses, personal liability, personal property coverage and guest medical. You can also get add-ons like identity theft protection.
  • Farmers: Farmers is a good option for people who want to customize their policy. It offers claim forgiveness, an eco-rebuild option and cosmetic damage coverage.
  • Liberty Mutual: Liberty Mutual has flexible, comprehensive coverage. It offers inflation protection, the full replacement cost of personal property, loss forgiveness and lots of discounts.
  • Nationwide: Nationwide offers good add-on coverage like earthquake and theft extension options. It also has many discounts to help people save money.
  • State Farm: State Farm offers the standard things you’d expect in your renters insurance policy and add-on options like business property and earthquake damage.

Best renters insurance company for customer service: State Farm

State Farm is known for its reliable customer service, particularly in California, and boasts a perfect score from J.D. Power, which judges customer satisfaction.

Best renters insurance company for eco-friendly options: Farmers

While its customer service is average, Farmers offers many protections that other companies do not, such as an eco-build discount if you rebuild damaged property with green materials.

Best for inflation coverage: Liberty Mutual

Liberty Mutual does not rank high on customer satisfaction, but it does take inflation into account when it renews your policy. You’ll keep the same coverage level you signed up for no matter how much inflation happens.

Best renters insurance company for extended coverage: Nationwide

Nationwide is excellent for its many coverage options, offering theft extension, which covers the valuables within your stolen vehicle, and Valuables Plus, which provides additional coverage for your most cherished things.

Best renters insurance for medical guest coverage: Allstate

Among its unique add-ons, Allstate offers special guest medical coverage, which will take care of any medical expenses if there are any injuries to a visitor on your property.

Ratings for Cheapest Renters Insurance Companies: California

There are different rankings that determine whether a company is good for renters insurance. JD Power and the Better Business Bureau judge a company’s customer satisfaction, while AM Best conveys a company’s financial stability.

Company J.D. Power AM Best BBB
State Farm 5/5 A++ (Superior) A+
Nationwide 2/5 A+ (Superior) A+
Farmers 2/5 A (Excellent) A+
Liberty Mutual 2/5 A (Excellent) A
Allstate 2/5 A+ (Superior) A+

The cost of California renters insurance varies greatly depending on where you live, so you should always research your options before committing to a renters insurance policy.

We gathered quotes using a sample policy that included $30,000 in personal property coverage.

  • Farmers: $168
  • State Farm: $162
  • Liberty Mutual: $175
  • Allstate: $269
  • Nationwide: $351

Many companies will discount renters insurance policy if you also bundle auto insurance. Inquire to see what incentives the best California renters insurance companies can offer you.

Frequently asked questions

How much renters insurance do I need in California?

Renters insurance is not required in California, but some landlords will include a clause within the lease that requires coverage. Regardless of the requirements for your property, renters insurance is still highly recommended to protect you against unexpected damages and loss.

What is the best renters insurance company in California?

No one person is the same, so no renters insurance is the same. The best renters insurance company in California differs from person to person, so use the rankings and information provided here to make an educated decision on the best California renters insurance companies for you.

What kinds of events does my renters insurance policy cover?

California is known for its wildfires, so that’s an integral part of coverage. That’s not all that can happen to your home. Things like theft, fire, smoke, lightning and flooding can all wreak havoc on your home and turn your life upside down. When interviewing different renters insurance companies, make sure that there is the right coverage for your property and all of your things inside.

Are there discounts for my renters insurance?

Most companies offer additional discounts for qualifying parties. Multi-policy discounts are common, as are extra savings for homes with home or fire alarm systems. There are also exclusive discounts that could apply to your renters insurance policy, like Allstate’s claims-free discount for renters without a history of claims. Every discount can save you precious dollars when you’re living on a budget.

The post The Cheapest California Renters Insurance Companies 2019 appeared first on The Simple Dollar.

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These Meal Delivery Services Are Offering Some Delicious Deals This Black Friday – See Which One Is Right For You

I’ve always loved to cook. But then life happened. Suddenly, between kids and work, I didn’t have a lot of time for cooking. It wasn’t actually cooking I didn’t have time for—it was grocery shopping. Come dinner time, I was ready to start chopping vegetables and seasoning meat. But none of those things were ever in […]We tried 5 weekly meal delivery companies: SunBasket, Hello Fresh, Purple Carrot, Home Chef and Freshly. Read our meal delivery comparison reviews.

The post These Meal Delivery Services Are Offering Some Delicious Deals This Black Friday – See Which One Is Right For You appeared first on Money Under 30.

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Top 10 Smart Cities That Make Life Easier (And Cheaper) For Millennials

When looking for a place to live, millennials are focusing more and more on “smart cities,” or cities that value green technology and easy transportation.When looking for a place to live, millennials are focusing more and more on “smart cities,” or cities that value green technology and easy transportation.

The post Top 10 Smart Cities That Make Life Easier (And Cheaper) For Millennials appeared first on Money Under 30.

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How to Allocate Initial Equity in a Startup

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An often misunderstood concept is about how to apportion initial equity in a startup in the form of stock to early-stage spouses. Doling out equity in your business is a pivotal- and often difficult- task for numerous benefactors, but it doesn’t have to be.

Everyone is really excited at the beginning of a startup. It is super rousing because everyone understands the huge potential that a successful business will induce. It is all cool at the start when there’s no appraise … but after several months of endeavor, things begin to change.

What consequently happens is the business starts to slam things that feel like roadblocks or questions, such as a lack of money. These matters begin to suck the vitality out of the startup, and some partners start to lose their passion for the business. On the other hand, the business may take off and the Greedy Bone effect takes spring. A marriage begins to question why they agreed to accept a 20% equity when the other partner is getting 80%. leading to full-on resentment between partners. Before you know it, feelings are hurt and the business folds.

How to handle the initial equity stage is really important. The 50/50 equity splitting that is so common in small business startups is unfair, incomplete, and unstructured. Too countless founders choose this option simply to avoid awkward discussions about a person’s value or contribution to the business.

A slightly more analytic approach is to weigh three points when it comes to allocating initial equity in a startup. They apply weight to the time a partner expends developing the business, the person that came up with the business idea, and finally, the amount of capital that their partners contributed. While this is better than merely a do a 50/50 separate, it is also unfair and imperfect, since there are many other factors that should go into properly allocating to initial equity in a startup.

When it comes to allocating initial equity, there is a more methodical and analytical highway to define a proper equity split between startup collaborators. I recommend that the founding collaborators consider ten facets when they allocate initial equity in a startup.

I have created a simple equity allocation spreadsheet that founding marriages can use to allocate initial equity in a startup. You can download my equity calculator and use each of the following descriptions to help you end it for your startup.

Pre-Start Cash Injected

How much cash each partner contributes to the business so that the startup can acquire obtains and pay monies pre-revenue is pretty straight forward for the most part.

However , not all partners come to a go with the same net worth. When development partners has the financial resource to infuse added currency last-minute in the gues, and they are willing to pledge this to the business if needed, the startup needs to factor that commitment into its distribution of initial equity in the startup.

For example, if two partners each contribute $10 k into a startup, and one was of the view that if needed they can contribute another $10 k, the startup needs to ascribe a value to the commitment. Since the partner is not committing the full $20 k pre-start, a deduction may be applied to the added $10 k that may or may not be needed. Perhaps as part of the calculation, the startup will earmark $15 k to this partner vs $10 k if there is a 50% possibility that the startup may take the partner up on their commitment to inject an additional $10 k at a later date.

Quality of Initial and Future Contracts to Business

For numerous startups is efficient, they need to quickly gain traction with compensating customers. Partners who previously have relationships with patrons that will become the startup’s early stage clients should be compensated at some grade for using their relationships to help jump-start the business. Without these relationships, the business would have to find and nurture expectations, which takes invaluable time. Time is the enemy of countless startups who need to start making receipt soon to survive.

Possibility Cost

Each partner has an opportunity cost if they leave where they are employed to come on board with a startup. One collaborator may be leaving a company where they are earning $100 k per year in salary plus benefits, while another may have been unemployed prior to joining.

The more a partner has to give up to take the risk and connect a startup, the more equity they need to receive.

Pre-Start Time Invested

When I started my first company, I worked for a year writing and rewriting our business strategy, as well as negotiating contracts prior to reaching out to two other partners to join me in my startup. Precisely as we said in Raising Capital: Lesson from The Ship of Gold, early investments in terms of time and coin have far more risk. With probability comes remuneration. Having endowed a year of my age before my other partners participated my startup, there was a good chance that my hour and attempt would be consumed if I could not come up with a viable business model and find purchasers willing to pay for it. Therefore, the endeavours of collaborators who endowed attempt in the startup when the probability of propelling a business is still very slim need to have this risk appraised when it comes to allocating initial equity in a startup.

When it comes to valuing pre-start time, you need to apply present value and cash flows to their efforts. For example, say that two partners each make $50 k per year as employees in another business. One spouse has, let’s say $100 k in savings, and the other has essentially no savings. The one partner with savings commits to quitting his responsibility and uses some of his saving to live on for six months while they work full-time on the business. The other spouse keeps their job and makes an additional $ 25 k in salary. You cannot simply earmark $25 k to the partner that cease and ran unpaid for six months. When apportioning initial equity in the startup, it likely took the first partner many years of saving up the money they used to live on for six months, while they wielded full epoch on the business.

For example, applying the rule of 72, and considering that you could earn a 10% return on your fund, it would take 7.2 times to earn that money back. So, when it comes to allocation equity to six months of work with no repay, you might allocate $180 k ($ 25 k x 7.2) toward equity value and not $25 k to more moderately account for the present value and cash flow.

Appreciate of Idea or Intellectual Property Provided

Most benefactors go straight to the fact that ideas and IP play the most significant role when it comes to the allocation of equity in a startup. In my opinion, too many enterprises situate space too high a importance on the idea or the ability. As I have learned, a great hypothesi is insufficient to.

In many cases, a startup thinks that the idea on which the startup is based upon is unique … merely to discover much last-minute after period and coin have ever expended that somebody already has a patent on it. You might even end up in court when you are launch for conflicting on another company’s patent, creating a liability for the business rather than an asset that are required to be honored with equity.

At the risk of getting ahead of myself, most companies should appraise collaborators that have business acumen and the ability to get stuff done, over the partner that has the idea or was the inventor. Don’t believe me- consider Nikola Tesla, one of the world’s greatest inventors of all time who died penniless.

Value of Personal Brand, Contacts,& Relationship to Business

Some spouses have expended an part occupation growing a positive stature in an industry. If they attach your startup, their personal label can give the startup instant credibility, which needs to be valued when you earmark initial equity in a startup.

For example, a partner may be what Malcolm Gladwell calls a Connector, and may have thousands of relevant industry contacts that the business can use when prospecting for brand-new customers. Or a partner might be a relied influencer on Facebook with a million admirers and based on a simple recommendation, could take a business from terminated oblivion to worldwide preeminence with a few evaluations or posts.

Another often ignored ingredient when allocating initial equity in a startup is a partner’s personal relationships or health problems. Let’s say that after you launch, a partner get divorced. The partner may be forced to sell their interest, or perhaps some or all of the partner’s equity is allocated to their former spouse. Do you demand the partner’s former spouse as your new business collaborator? Or let’s say that a partner has heart issues or has been diagnosed with cancer and they become incapacitated or die. What happens to their ownership and contribution? What a nightmare for a business to untangle! Therefore, some heavines needs to be placed on these factors when you allocate initial equity in a startup.

Public Officer Risk Adjustment

Not all partners may be decision-makers. Decision-makers can often be held personally accountable for its final decision, while other non-decisions-making marriages was not able to. As I shared in the video Limits of Limited Liability, there is a gross discord when it comes to the protection opened to business owners. If one marriage has personal fiscal exposure beyond what they may lose if the business flunks, or the business is sued and another has no personal financial liability, it is totally unfair to treat them the same. Therefore, being the public officer of the startup needs to be accounted for when you allocate initial equity in a startup.

Ethic of Loan Guarantees

Because startups have few if any resources project partners in startups will often have to sign a personal guarantee for any obligations to a creditor. It may be a guarantee on a rental or on some constitute of pay financing. As a guarantor, the creditor can bring a suit against the sponsors separately or jointly. Given that not all partners will have the same net worth if the startup comes litigated by a creditor, the high net-worth partner has much more to lose than a partner that is all in with the business but has no other non-incumbered drawbacks at risk. So, when distributing initial equity in a startup the added advantage of loan guarantees needs to be a weighting factor.

Appraise of Personal Resource Contributed

Many startups leverage the personal reserves owned or controlled by the partners. Founders will often gift squandered furniture, tools, equipment systems to a startup to avoid using capital to buy new nonsense. Maybe they will contribute a portion of their home to house affords, or specify early-stage office space for the venture.

Some collaborators may have a spouse or own family members with a skillset that the business requires that they may commit to the startup. For example, a partner may have a spouse who is a entanglement designer, and they agree to contribute their partner’s labor to develop and maintain the company’s website. When development partners contributes personal the resources necessary a dare, the allocation of initial equity needs to make these contributions into account.

Significance of Expertise Provided to Business

Finally, there is the value of a person’s expertise. Of the 10 attributes that a startup needs to ascribe value to, when it comes to allocation initial equity to partners, exerting a evaluate to a person’s expertise it one of the most important and one of the hardest to value. If a partner has a skill that the business urgently needs, more is hard to acquire elsewhere, a startup may have to heavily weigh a person’s expertise to get them on board.

“Ideas are a commodity. Execution of them is not.”

Michael Dell

“To me, doctrines are worth nothing unless performed. They is only an multiplier. Execution is worth millions.”

Steve Jobs

As stated earlier, having a partner that can get stuff done will be the difference between success and flop. As such, their knowledge and skills that a partner brings to the business so that the startup can execute their programme should be highly sought after, and reinforced with a larger share of the equity of the brand-new venture.

Instance

When I started my second busines in 1994, I didn’t truly understand all the nuances of allocating equity to my partners as well as I do today. That said, I did get pretty close to considering many of them. The following is my story to provide some context to understand how to earmark equity for a startup.

It was 1992, and I knew that it was only a matter of time before my department and job would be eliminated. I has been determined that I would start my own fellowship and leverage my manufacture lore and system joinings. Obstructing my date place, I use nighttimes and weekends for over a year writing and rewriting my business mean. Since there was no guarantee that anything would ever come of this effort, I factored my pre-start time invested into my equity allocation.

I also enter into negotiations with my first customer to close their local operations and outsource the work to my “companies “, so I factored in the added advantage of initial and future contacts into my equity allocation.

When the market was finally right to propel the business, I had to quit a good-paying job as a administrator with benefits and received no severance box. Now, I factored my opportunity costs into my equity grant, since I could have just waited and receives an severance package.

My two partners were employed by my first client. They were both decisive to the operational success of my business and owned complementary skills to my own. Known that I needed them, I recognized their personal symbol and the expertise they progress in my equity allocation.

They each received a lucrative severing packet from their employer when their supervisor closed down their neighbourhood operations and outsourced their work to my brand-new business. Since their separation pack was an unexpected windfall, I factored that into my equity rationing as well.

Since I was the President and CEO of the C-Corp I made, I had additional risk and essentially no obligation shield, which I likewise factored into my equity allocation.

As the personal guarantor on our part loan and on an SBA loan, I factored that into my equity allocation.

In the end, I needed to raise $100 k to propel my business. I had only $50 k in currency at the time, so after taking into account many of the factors described here, I professed $25 k from each of my two partners( basically a portion of their severance package) in return for a 10% equity stake in my company. After all my computations, my two partners paid 2.5 times as much as I did for the same share of stock to account for all factors associated with my formula to earmark the initial equity in my startup. In the end, each partner was fairly and handsomely reinforced when we sold the company and cashed out several years later.

Do you know how to earmark initial equity in a startup?

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How Much Can I Save Using Credit Cards

Credit cards often are associated with negative feelings due to credit card debt and high interest rates. Fortunately, it’s possible to use credit cards as a tool to save money. You’ll have to commit to never carrying a balance and always paying your bills on time. If you can do these two things, you could […]If you want to earn the most from your credit cards, you’ll need a strategy. To help, here’s how much you can earn using a few of our favorite cards.

The post How Much Can I Save Using Credit Cards appeared first on Money Under 30.

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Transcript Of Managing Your Modern Marketing Efforts with the Right Software

Transcript Of Managing Your Modern Marketing Efforts with the Right Software written by John Jantsch read more at Duct Tape Marketing

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John Jantsch: Hello and welcome to another episode of the Duct Tape Marketing Podcast. This is John Jantsch and my patron today is Josh Slone. He is the product marketer for do Gist, which is an all in one software platform for material like live chit-chat and email market automation, ways, knowledge-based, all the tools that we need to use today. So Josh, thanks for joining me. Welcome.

Josh Slone: Thanks for having me.

John Jantsch: So as I started talking about all the tools that are involved, I can already hear listeners recalling,” Gosh, do “weve been” need all of these ways to communicate today ?”

Josh Slone: Yeah, it’s very important to both be where your patrons are, but then too have all those things in the easiest to understand format for business owners and marketers.

John Jantsch: I approximate the place of my question is, I ponder a lot of small business owners, marketers, are overwhelmed by the fact that,” Okay, I’m monitoring social media, I’ve got email , now I’ve got chitchat and now I’m frame all these assembles and things that I have to react to on my website .” I signify, how do you wrangle all of this into a feasible … It’s like you’ve got patrons everywhere, how do you save ensure of things?

Josh Slone: Well, there’s a couple of different ways. One of the ways is to integrate all your implements together. So say if you had a meeting scheduler app to book appointments, or “if youre having” live schmooze software that was bringing in communication from your website, and then of course you got Facebook messenger and Twitter and all of these social platforms. So you can either integrate them all together, or what’s become more popular is there’s several implements out there that present the all in one approach and just really tries to harness that and they … For the above reasons, we’ve created a exchanges implement that not just does live chat from your website, but we also integrate instantly with Twitter messaging and Facebook Messenger to impart all of those under one dashboard that you can answer from one arrange instead of having to log into different accounts all day long.

John Jantsch: So the really common practice for countless, many years was drive people to your website to offer them something of value in exchange for an email address, and then time settled them into a campaign that follows up and hopefully gets them more and more interested in your products and services. But purchasers, first off, we’ve become, I make a little fatigued with such an approach but likewise have just gotten a lot more sophisticated, have a lot, I reflect a great deal higher hopes because people are certainly personalizing their experience based on behavior. The classic one is always Amazon, knows what we buy and how we fantasize and is offering those things to us. So how does the small business owner take that grade of sophistication truly sounding into behavior? Because apparently that sounds like a lot more work, doesn’t it?

Josh Slone: Yeah, it certainly does. And if you’re talking about the complexities involved that Amazon and their algorithm gives you, it can seem overwhelming. But I suppose just about every business proprietor be able to identify two to three works or actions or occurrences that they demand leads to do. And then, basically if you can identify those two or three things and then react to those behaviors when they happen, it’s a more personalized ordeal for the user and it’s more effective to move parties down that marketing funnel.

John Jantsch: Okay. So let’s say that one of my things is I sell selling assistances. A spate of parties are looking for SEO assistances. So for example, perhaps I’ve written a blog positions and it offers a free SEO checklist and that’s what I want people to do is download that bit of content. Now, how could I actually manufacture that a better know-how based on behavior?

Josh Slone: Okay. Yeah, surely. So if they downloaded your checklist, that they are able to plainly be one behavior, and then following up with those special services. So if it is SEO, if you send them emails solely more towards the SEO, instead of say repay per clink publicizing or web layout, it’d be more accommodated personal experience. That’d be a simple way of doing it. But you could also see if that template or that checklist sends them to your SEO services page. Like most bureaux would have a page that outlines their SEO business, lays out apprehensions and things like that. So if they download your SEO checklist, and then they see your SEO service page that illustrates your services, that’s going to highlight to you that they’re more interested than say someone who time downloaded the guide and forgot about it.

John Jantsch: Right? So you’re suggesting I can now segment that person maybe for a whole nother kind of campaign?

Josh Slone: Right. And then, yeah, you can actually put them in a Facebook custom audience. So that road they’re seeing, use us for SEO ads instead of time general ads, things like that.

John Jantsch: So let me give you another example that I run into a lot of seasons. A spate of firms sell a variety of services or concoctions and they don’t undoubtedly … There’s totally different segment of the market that craves those different services. So commonly we will build pages for those services. Or if you’re this kind of business fall now. How could somebody implement behavioral undertaking like that to really then tailor-make a better suffer for that person because they visited specific pages I guess on a website? Is there something we can start doing that to say, Oh, you must be interested in these things. Let’s send you that kind of content?

Josh Slone: Actually, Gist does something very similar to this. We question beings for what industry they’re in. So we’ve lean beings into seven different industries, whether it be business services and marketing organizations, software business, more residence services like plumbers and electricians. We have seven different industries. And then, when they indicate which manufacture they’re in, we actually have specific content that we can send to them that helps them use automation better. Because a lot of beings, they consider Gist, we volunteer nine different implements, they get overwhelmed. And is not simply that, some people aren’t going to use all of them. So we focus on the the three best to five tools that say an electrician would use. And not only that we clarified solely why an electrician would want to start using them. And so, it really helps us to understand their industry and it helps us to tailor-make the content experience from there.

John Jantsch: So let’s say somebody does download a piece of content and you start sending them some emails based on that. We all known better … I don’t know what the percentage is, perhaps let’s be republican. 60, 70% of them never open it, never do anything with it. So that other 30% that open it, and then maybe click on something or then go visit something else. Are there ways in which we can actually make that group and say, okay, these are our most engaged kinfolks, let’s do something special for them?

Josh Slone: Absolutely. I won’t get too deep into it, but one of the essential points for Gist is to install exactly onto your website so that action you can use it. And we actually use both the positive and negative behavior to accommodate that experience. So if someone has installed our WordPress plugin or our dialogue on their website, then they move into a different sort of automation. And if they haven’t, then of course we want them to install that write. So that’s going to be our primary focus there. So separating both the people who do perform that act and the people who don’t is very important, in terms of like getting more parties engaged.

John Jantsch: So the dialogue you’re talking about is actually–that only allows you to say ” This person is on your email list and they did X on your website ?”

Josh Slone: Yes. And it is able to, like if you’re a marketing agency and you have a webinar, a prerecorded webinar, when a person is watched that webinar, well then that could be the people who perform that activity. The people who didn’t watch the webinar, perhaps you to be implemented with a piece of written material or maybe a podcast to get their wished species of the information contained and catch as countless beings as you can.

John Jantsch: So undoubtedly a lot of this makes doing, it makes learning. It takes constructing the assets that you are able to need. What are some kinfolks that are coming to this, like all they’ve been doing is, sign up for our newsletter, kind of lead capture. What are some of the first things that they should start doing that are not going to necessarily overwhelm them?

Josh Slone: Yeah, it could be as easy as tracking those who open your emails. That’s probably one of the ones. And if you want to take it a little step further you are able to, you probably know that every email should have a link in it, a call to action. So I’m sure you’ve obviously said that. So that call to action, that button sounded or that relation sounded can be a behavior and that would be the easiest way to get started.

auto credit v1John Jantsch: And now a little word from our patronize. Intercom once more of the neat beings visiting your website to give you money. So they took a bit chat bubble in the angle of a website and compressed it with conversational bots, concoction expeditions, NPS examinations, all sorts of things that amplify your crew and help you reach more nice people. Intercom Customer Unity got 45% more loyal consumers with Intercom in just 12 months. Go to intercom.com/ podcast to start making money from realtime chat. Then realise everything else Intercom can do. That’s intercom.com/ podcast.

John Jantsch: So let’s talk about that group. So what would be a simple thing that or only maybe an obvious thing to do? Let’s say I send out, I don’t know, a number, hundreds of thousands of emails and 300 beings open them. Is there something I should do immediately to those 300 that open it to try to get them even more engaged? Are there precisely various kinds of obvious gradations?

Josh Slone: So for the people who have opened your email, it depends on what the content of the email would be, but you certainly want to continue that conversation with them. And the next thing would be, what did they open? What was the email that they opened? So they open an email like we were talking about, about your SEO business. The next email, maybe not necessarily a sales pitch or a or a call to action as far as like in terms of like going them to buy, but it could certainly be something that helps their SEO a little bit further. So if they open an email that precisely was talking about an SEO blog post that you time wrote, let’s talk about SEO, excuse me, and they opened it. The next email wouldn’t precisely has become a generic email. It could be like, Hey, here’s our SEO checklist that you haven’t downloaded hitherto. Here’s another article of content that’s particular to SEO. You’d want it to be more personalized to what they actually opened in most cases.

John Jantsch: How easy is it to use a implement like Gist, apparently there are other ones out there as well, to automate some of these things? Because you want to send out an email, you don’t definitely want to have to then croak, okay, let’s see who opened it. Now, let’s do this far. How easy is it to create these workflows and automations?

Josh Slone: Obviously there is going to be a learning curve with any of these implements, extremely if like you said, the only thing that you’ve done is you’ve had a newsletter and you’ve hooked it up to, say like a AWeber or something like that. But with our visual workflow builder, you can see how your contacts are going to move through, and we have dozens of pre-created dimensions like last email, our marketing email opened, last-place sell email sounded that are already preset, so you don’t actually have to create those events. You don’t have to set those up. You don’t have to know how to code.

Josh Slone: It’s if you send an email and you can say, if someone clicks in this email, I want them to move over here based on … And you can actually mounted decisions like, yes, they did or no they didn’t. It might make you an afternoon, but within an afternoon you could have a fairly complex marketing automation system. And we are only actually last week rolled out a few dozen done-for-you templates that include the email draft in there that you can edit as well. So we actually have some prebuilt for you, solely for those business owners who are trying to either bootstrap or their[ solar preneur 00:12: 18] kind of situations.

John Jantsch: One of the things that comes with a implement like this, certainly, in terms of power and intricacy, too comes cost. Let’s say somebody has been compiling email addresses for a while and they’ve been using MailChimp or something, it’s pretty low cost. If they wanted to bring a pretty good size list over, how would they justify … They might be talking about $500 a month now of a cost to use a implement like this at that kind of volume. Is there a highway for somebody to sort of selectively producing people over that …? Because I think everybody’s got … Anybody who’s rallied generic mailing address for years probably has a lot of mailing address on there that really aren’t worth spending money on certainly. They probably should virtually be weeded out but, but if somebody was trying to perform the move to a tool like yours and they did have say a 10 or 20 or 30,000 being roster, what would be the best way to bring something like that over in a cost effective manner?

Josh Slone: You could utterly exam it. We have a 21 -day trial that’s the full edition of Gist. You receive everything that has to offer. You could segment a part of your index and you could send emails to them. You could test out the marketing flow for a full three weeks to see if your changeovers increase and things like that. And then, if you decided that you wanted to move that full register over, we actually migrate for our consumers. So you would contact our squad and we would get , is not simply your contacts over, but we would recreate your emails and even your automations that has already been through any other provider. And then, before we turn it on, we indicate it to you, we move you through it and then you can terminated the move.

John Jantsch: So I want to circle back to something we were talking about early on and that’s idea of having the ability for somebody to sort of ego adopt their segments, so to speak and that you had like your seven different regions. Do you think that’s something that if somebody comes to your website or perhaps they found you by way of a particular blog post that graded quite most, is that something that should in your opinion, should be offered to them right away or is that something that as they get into your pour or one of your workflows, that should just be something that comes as a natural pace of nurturing to get to know them better?

Josh Slone: For us when we really start our marketing, when a person signalings up either for a free version of Gist or the free experiment, so we ask it from the get go to use that as a qualifier for leadings. How serious are they, how much they fill out of our onboarding process? But for someone like a marketing agency where someone’s going to find you either through word of mouth or, like you said, through a blog announce, it can definitely happen naturally. And they don’t even have to self identify. If they’re only researching SEO, if they’re only checking out your SEO blog posts and predict your SEO content, you can apply a label to them and you identify them instead of them self-identifying. So it can happen way more naturally over time.

John Jantsch: I see. Or although they are saw a certain page, a certain service page or a certain segment of the audience, you could actually then say, well they must be interested in .. Or at least perform that assumption.

Josh Slone: Perfectly. And the number of day extremely, if someone visits the SEO service page four or five times in the last 30 eras, that’s definitely a indicator.

John Jantsch: So tell us a little more about where people can find out about Gist and, as “youve said”, potentially sign up for a free trial.

Josh Slone: I would definitely indicate the homepage, getgist.com. Right there it just says get started for free and you can either sign up for a free copy of Gist or “youre seeing” the full account by signing up for a free 21 -day trial.

John Jantsch: So keep telling me, are there any … I know that you have a number of implements, the knowledge base, the forms of email marketing, live schmooze, rallies, planning. Are there any type of big-hearted things that you feel like you’re missing but they’re on the roadmap?

Josh Slone: Yes. The one thing that we get asked about the most and people integrate with the most, is a CRM. And that is, that is something that’s on the roadmap. It’s been in development for fairly some time. And we’ve been exhaust like visual workflows is our biggest secrete that we’ve had this year and that wheeled out a couple of months ago. So we’re emphatically working on it and that’s the one thing that we sounds most often is missing from Gist.

John Jantsch: Well, Josh, thanks so much for stopping by, and hopefully we’ll run into you out there on the road. We’ll have all these associates, the link and the things we talked about today in our substantiate notes.

Josh Slone: Thanks again for having me.

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Want to Know More About Baby Yoda? The Mandalorian Will Deliver…Soon

The Mandalorian, Baby YodaBaby Yoda, you know, the baby that looks like Yoda but isn’t really Yoda, has been shrouded in mystery since its debut at the end of The Mandalorian series premiere. Who and what the character…

An illustrated walk through Art Düsseldorf 2019

A couple of weeks ago i found myself gaily walking through the former factory complex of Areal Böhler for the third edition of Art Düsseldorf.

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Art Düsseldorf 2019. Sies + Höke. Photo: Sebastian Drüen

Art Düsseldorf is not among the biggest art fairs. It is neither cosmopolitan nor experimental but it did present a few exciting galleries and artworks:

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Isaac Chong Wai, Rehearsal of the Futures: Police Training Exercises, 2018

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Isaac Chong Wai, Rehearsal of the Futures: Police Training Exercises, 2018

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Isaac Chong Wai, Rehearsal of the Futures: Police Training Exercises, 2018

The most impressive work i saw at the fair was Isaac Chong Wai’s take on police training. The young artist spent hours going through videos and manuals of police academies from around the world. He was particularly interested the tactics, actions and gestures deployed in case of street protests. The result of his research is a performance and video titled Rehearsal of the Futures: Police Training Exercises.

Chong Wai choreographed dancers to recreate the typical agressive postures but slowed down until the moves get gentle, the bodies soft, the blow harmless and the confrontation almost comforting. The full frontal physical violence subsides but the work also suggests other forms of violence that are institutionalised and less visible.

The video invites the viewer to question the intended use of police anti-riot manoeuvres: “are they meant as a first line of defence or a last resort?”

The video is a recording of a performance that took place back in 2018 but, when watching these images, it is difficult not to think about recent police violence against protesters in France, Hong Kong and elsewhere in the world.

I’m not surprised the artist won the Blooom Award by Warsteiner 2019 at Art Düsseldorf.

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Elmas Deniz, Raven Portraits, 2018. Zilberman gallery. Photo credit: Ridvan Bayrakoglu

Our anthropocentrism prevents us from seeing animals as individuals different from each other. Elmas Deniz appropriated photos by Jana Mueller to paint portraits of members of the corvid family, highlighting their character and distinctiveness.

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Elmas Deniz, Ravens have a Theory of Mind, Say Scientists, 2018. Zilberman gallery. Photo credit: Ridvan Bayrakoglu

The portraits are accompanied by Ravens have a Theory of Mind, Say Scientists, a collection of headlines from various magazines and newspapers that further demonstrates that humans are not as singularly exceptional as they think. The catchy headlines summed up a scientific research on the cognitive abilities of corvids. Experiments demonstrated that these birds routinely hide food to eat later if they believe rivals might steal their snacks. They are even able to select gifts for their partners based on what they thinks the latter will like.

Crows and jays have thus a theory of mind, an “ability to attribute mental states — beliefs, intents, desires, pretending, knowledge, etc. — to oneself and others and to understand that others have beliefs, desires, intentions, and perspectives that are different from one’s own.”

The series also alludes to our mediated experience of “nature”. We don’t have any immediate relation with other wild, living entities anymore. Everything we know about them is filtered through science which in turn, is mediated by the media channels that digest, edit and simplify scientific researches (and thus wildlife) for us.

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Simon Speiser, In a Young World of Resplendent Glitter, 2018

I discovered the work of Simon Speiser while attending the very interesting programme of talks curated by Ute Weingarten. The series of panels and discussions zoomed in on how the digital is shaping and unsettling the art world. That’s where i learnt that ten percent of all art sales are now handled online (usually following a first contact at fairs or galleries) and heard time and time again that contemporary art is one of the few spaces where most actors are still intent on resisting any digital influence for as long as possible.

Speiser was participating to a panel about new forms of collaboration in the art world. I was especially intrigued by a photo of one of the tapestries he showed during his intervention. The tapestry accompanies his “In a Young World of Resplendent Glitter“ VR work. The weaving of the textile work makes reference to Ada Lovelace, the visionary mathematician who saw the potential of computers beyond pure calculation and who published the first algorithm intended to be carried out by such machines. She found inspiration in the textile machinery that used punchcards to direct the weaving of patterns. This reference creates an arch from textile mechanisation to contemporary digital technology.

Wu Tsang, Wildness (trailer), 2012. Excerpt over here

Julia Stoscheck Collection, a private collection specialising in time-based art, presented a selection of works that explore current socio-cultural and sociopolitical issues.

There were four videos in the space the collection occupied at the fair. The one that kept me glued to the screen was Wildness, a film that traces the story of the nightclub Silver Platter, a safe space and entertainment venue to the Latinx transgender community in Los Angeles since the early 1960s. Silver Platter is also the bar film maker Wu Tsang and DJs NGUZUNGUZU & Total Freedom chose to host a weekly performance art party titled Wildness. The film tells both the history of the underground venue and its community and the disturbance that the arrival of the new group of young, queer artists of colour caused.

The interviews in Wildness are poignant and full of humour, the film combines fiction and documentary, poetry and activism. It talks about tolerance, immigration, invisibility and finding a sanctuary and a family during the night. I wish it were possible to see this film outside of art venues.

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Tobias Zielony, Maskirovka, 2017

Maskirovka is a term used to designate Russian covert warfare and military deception. The word reemerges regularly, most recently in the context of the strategy adopted by Russia toward Ukraine since the Maidan uprising. Masks, however, also played an important role in protecting the Maidan protesters from tear gas and from identification by the authorities. In a stop-motion animation called Maskirovka (also presented by the Julia Stoscheck Collection), Tobias Zielony draws parallels between these strategies and the subversive methods of masking practised by young members of the LGBTQI and techno scene in Kiev.

More works and artists discovered at Art Düsseldorf:

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Andrzej Steinbach, Untitled (from the series Der Apparat), 2019. CONRADI, Hamburg

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Jürgen Klauke, Bodysounds, 2017. Galerie Hans Mayer

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Thorsten Brinkmann, Misstallica, 2019. Pablo’s Birthday gallery

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Wim Wenders, ‘Safeway’, Corpus Christi, Texas, 1983. Galerie Bastian, Berlin | London

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Hun Kyu Kim, Winner winner chicken dinner, 2018. CHOI&LAGER gallery

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Thomas Feuerstein, IUTURNA, 2016. Courtesy the Artist and SEXAUER

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Eva Grubinger, Untitled (Problem No. 6), 2019. Galerie Tobias Naehring Leipzig/Berlin

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Naufus Ramirez-Figueroa, The House at Kawinal. Mendes Wood DM, Sies + Höke, Proyectos Ultravioleta

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Art Düsseldorf 2019. Photo: Sebastian Drüen

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Scared of money? (Why & how to overcome your fear today)

The more I see people talk about money, the more I see how SCARED we are of it.

How we let others poison our views of money.

And how easily we use negative words to describe it.

Here’s an email I got from someone who read my book, I Will Teach You To Be Rich. What do you notice?

“Frick it, I guess I’ll write the email…

Money stresses me out. My parents didn’t teach me anything about it and I’m very dependent right now. I did a year of nonprofit and made about 10k after taxes and it was miserable, so I figured if I can pull that off for one year then I can make it work. And I did! But I don’t know if I’ll hit it this year (it’s a bit depressing and a big source of anxiety). I think time is the name of the game though, the career is moving forward, hopefully, game sales will kick in passive income.

For the “rich life” I’m a simple person. I want enough money to be able to travel. I want to own a dog. I want a kitchen with an island. I want to have a nice desktop and a nice coffee table. My partner doesn’t want to own a house but I kind of do. Since I don’t have a full-time job outside of my freelancing which is currently in a drought period, I don’t have really ANY money, averaging about $250 a week.”

My response:

“Good stuff. Great to meet you

Now I want you to look at your email and count the number of times you use negative words to describe your life/money. How many do you count?”

His response (notice the skepticism):

“Ha, I can’t tell if this was an automated message or not but you got me there!

Depending on your definition, about 6-10.”

6-10 IN A SHORT-ASS EMAIL. (Well, compared to the kinds I write…like the one you’re reading. LOL.) Finally, my response:

It’s not automated.

Good!

Now, can you rewrite that entire email to be POSITIVE instead of negative? Send it over my way.

This guy didn’t even notice his reflexive negativity with money. It’s become like a dull toothache, something he gets used to. And since negativity is his worldview — the “lens” through which he views everything — I guarantee it’s an invisible “drag” on his entire life.

I asked him to rewrite his email to be POSITIVE instead of negative because sometimes, it takes someone pointing out your pattern to shake you out of it.

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When I talk to people about money, here are the most common words they use to describe it:

“Anxious”

“Stressed”

“Is it too late”

(What words come to mind for you?)

But it’s even more revealing when you listen to the ways they talk about money.

What they say: “What’s my Rich Life? Well, I just want to go on vacation with my kids a couple times a year, nothing fancy…”
What they really mean: Notice those last two words — “nothing fancy.” When people talk about their Rich Lives, they almost always minimize their own dreams. When you’ve spent your entire life worrying about what can go wrong with money, it’s almost impossible to dream.

What they say: “How do I KNOW your programs will work?” OR “Will this book work for me if I live in Bolivia and I have a lazy left eye and I only eat mussels on Mondays?”

What they really mean: “I have a finite amount of money. If I spend it here, I need to know it will absolutely work, otherwise, I will have wasted my money…and there’s no way for me to ever earn more”

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Are you about to say what I think you’re about to say?

What they say: “Even if I made $250,000/year, I wouldn’t eat out at a nice restaurant like that. What a waste!”

What they really mean: “I have never eaten at a place like that and I don’t want to be the kind of person who “has” to go there to enjoy food. I’m simple.” (One level deeper: “I’m nervous that if I ate there, I might actually like it. I don’t trust myself to avoid going there every single week and spending all of my money”)

What they say: “I shouldn’t get a credit card.”

What they actually mean: “I don’t trust myself to control my spending, therefore I need to restrict myself”

What they say: “I went to [ANY FOREIGN COUNTRY] and they tried to rip me off because I was an American”

What they really mean: “Well, yeah, I could have afforded an extra $5 for those postcards…but I HATE BEING RIPPED OFF. If someone else is winning and I am losing, I HATE IT”

So many of us make day-to-day money decisions, never understanding the “invisible scripts” that actually guide these decisions. And in America, money is driven by FEAR.

FEAR that we’ll never have enough.

FEAR that we can’t make more of it.

And FEAR that someone will judge us for our spending — or even what we want to spend on.

I hate this. That’s why I show you how to identify your Money Dials, the things you LOVE spending on, then I show you how to spend MORE on it.

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Talking to a small group about money psychology. On book tour, I hosted private events in NYC event at Thompson Square Studios (NYC) and our Hills Penthouse (West Hollywood). As a reader of IWT, you can get your first month free at either of these locations. Please reach out directly to chelsea@thompsonhousegroup.com

I also show you how to get psychologically comfortable with the idea of changing your identity. People say “Money changes people,” in disgust, as if it’s a bad thing. Money should change you! It should let you dream bigger, it should let you live an easier or more adventurous life, and it should let you bring others with you (learn about the psychology of the wealthy).

But you can’t do that if you’re stuck thinking about money as a source of anxiety and fear.

An interviewer recently asked me what I would change from my 20s. I said, “I would have more FUN. I was too rigid. But the times where I had the most fun and I was the most successful was I just loosened up and tried a bunch of new things”

With money, try these different approaches.

Know that you can trust yourself. Know that you can eat at a really nice restaurant once for the experience — and truly enjoy it — but trust that I’m not going to trip and fall and end up going there every single week. You can also use credit cards without overspending (follow the systems in my book). You can pay off your debt and stay out of debt. You can become Rich and do good. Trust yourself.

Know that you can create more money. You can negotiate your salary — or find an entirely new job. You can start a business, even if you don’t have an idea. You can build your network to sidestep people with 10 years’ more experience than you — and get perks you’ve never dreamed of. All of those things can dramatically increase your income. Above all, your money is not a fixed pie that you have to exhaustively guard and protect. You can also expand the size of your pie.

Stop being afraid of waste. In puritanical America, one of the biggest no-nos is WASTE. Oh no! Ramit, if I start spending more on the things I love, I might “waste” some of my money!

How do I “KNOW” that your book will solve my exact, highly specific problem that I worry about every fucking day of my life? If it doesn’t, I’ve wasted $10!!!! Scammer!!!

Oh no! Ramit, what if I hire someone and they don’t handle my SEO, my WordPress uploads, design all my graphics, triple my conversion rates, write my entire email funnel, and create a new webinar system? I might have WaSTed the $13/hour I tried to pay them!!

Oh no, there’s so much government waste! We should ONLY focus on cutting government waste. Especially that one thing I really hate. What? It only represents 0.03% of total spend? No, that can’t be right. Anyway, we need to handle WaSTe. Also, don’t talk about raising my historically low taxes, you socialist.

If you spend your entire life worrying about waste, you miss a simple fact of life: In any system of sufficient complexity, there will always be waste. Yes, you should take measures to control it, but you should also accept that there will be a certain amount of waste — and move on!

I know that I’m going to buy courses and attend conferences that won’t be perfect for me. I know I’m going to eat at a restaurant that’s unmemorable. I know I’m going to make bad hires.

SO WHAT?

I’d rather try new experiences and learn with each one…than to sit back and let the bogeyman of “waste” scare me from doing anything at all.

So much of personal finance advice take your latent fears and heightens them.

NO! Don’t use a credit card, you might overspend a little!

NO! Don’t eat out at that restaurant, what a waste!

NO! Don’t try to negotiate your salary, you should just be happy you have a job!

If you spent the last ten years worrying about your waste and all the bad things you might do, you’ve accepted the message that you should be SCARED. That you’re an organism that simply reacts to whatever’s around you — that you have no agency or control.

Meanwhile, the people who have gone on offense have taken control of their own finances, their own psychology, started to earn more, and happily spend on the things they love. No anxiety. Just confidence and the systems to back it up.

You listen to these fears and end up frightened and anxious, sitting around worrying about all the things that can go wrong with money.

Or you can go on offense. You can take control of your money.

You can build a plan to spend extravagantly on the things you love.

You can EMBRACE making mistakes, knowing you’ll waste a little money, but it’s fine, because over the long term, those mistakes are minor, and you can create more wealth for yourselves.

You choose.

In my book, I wrote this:

Play offense, not defense. Too many of us play defense with our finances. We wait until the end of the month, then look at our spending and shrug: “I guess I spent that much.” We accept onerous fees. We don’t question complicated advice because it’s given to us in a language we don’t understand. In this book, I’ll teach you to go on offense with your credit cards, your banks, your investments, and even your own money psychology. My goal is for you to craft your own Rich Life by the end of Chapter 9. Get aggressive! No one’s going to do it for you.

My dream is for you to remove the shackles of negativity around money. To decide what you LOVE spending on, and spend more on it, so money goes from a source of anxiety and doubts to a source of joy and possibility and purpose.
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Get my book here

And comment here if this resonates with you. I want to hear from you.

Scared of money? (Why & how to overcome your fear today) is a post from: I Will Teach You To Be Rich.

10 Ways to Restore Your Creative Energy Using Technology

boost-creativity-tech

Whether you’re a DIYer trying to solve a problem, a novelist working on a new story, or a designer looking to spice up an old-fashioned example, perhaps you need help restoring your imaginative energy.

This article is designed to help you restore your innovative vigour where reference is has upped and left you. Maybe one tip will do the trick, or perhaps you’ll have to work your way through the list.

1. Go for a Walk

If you’ve been working on the same thing for a long time, your creative liquids may be running baked. If so, it’s time to take a break by doing something else entirely.

One simple idea is to go for a walk. It might not sound like much, but a short go can reset your structure and breaking the dullnes of working.

If you’re feeling lazy, fitness trackers( the best fitness trackers with heart rate monitors) can be of great help. These machines can help keep you caused when doing employ. Their constant feedback about the calories you burn will help you go the extra mile. You can even contribute friends on some of these devices and compare your act data.

2. Get Rid of Distraction digital-entertainmentImage Credit: MikeRenpening/ Pixabay

If you’re unable to get artistic because you open Facebook or check your meanings every five minutes, you need to get rid of these distractions.

While smartphones are amazing manoeuvres, they can also acquire us least productive. To fix this problem, you can uninstall the distracting apps from your phone or disable notifications on your telephone to work free from distractions.

You can also try apps that restriction your time on social media. We recommend OFFTIME, Moment, or Flipd.

3. Have a Snack

Hunger can play havoc with our ability to get things done. A research paper published by Science Daily had indicated that our gut develops ghrelin, a hormone that affects our decision making abilities and can lead to instinctive choices.

There are several helpful apps such as Noom that will not just attain the right snack according to your lusts, but too find a way for you to achieve your fitness goals.

Once you’ve satisfied your gut your psyche may just let you get back to work.

4. Come Up With 100 Bad Ideas

Instead of coming up with something good, “ve been coming” with something exceedingly bad. And a lot of it. So that there’s no stres on you.

If you’re a writer, “ve been coming” with 100 bad legend theories. If you’re a musician, come up with a 100 sickening ariums. And if you’re an architect, “ve been coming” with 100 bad designings for buildings.

You can create your roster of bad meanings on apps like Evernote or Google Keep. These apps place all of their data in the gloom, conveying you can revisit it at any time.

The logic behind this method is that out of those 100 ideas, a couple will ever turn out to be good. When you try to create something absurdly bad, you exercise a inventive line-up that you hadn’t ever explored before.

5. Change your Surroundings reorganize workspaceImage Credit: Skitterphoto/ Pixabay

You don’t have to construct big changes. Just change something in your environment. Replace the items on your desk and rearrange the seat you’re in. If you work in a normal power hovel environment, try contributing some colours to your cabin.

Make use of apps such as Houzz to give your residence workspace a virtual makeover before investing any real fund. You are also welcome to get notions from Pinterest or Tumblr.

Fresh circumvents make way for fresh ideas.

6. Organize Your Thoughts Visually

There are various programmes that let you organize your thoughts in a better acces to help your creativity. Websites like Coggle, Popplet, and MindMaster help you visualize your themes exercising flowcharts or depicting tools.

This causes you get a better picture of your ideas and reach mixtures faster.

7. Discuss Your Ideas Online

You’ll find various meetings where there are experts which is able to merrily share their opinion on your imaginative article. For sample, if you are an artist, you can showcase your artistry on DeviantArt and treated with other consumers. There’s a thriving community that can offer you patronage and inspiration.

Reddit is full of enormous parishes on every subject you can think of. And you can either be a passive player speak other people’s yarns or an active member starting discourses. Either way, as you discuss things with others, you might find a artistic inclination you didn’t consider earlier.

8. Listen to Happy Music

Research suggests that listening to happy music can prompt invention. Music is known to enhance cognition and improve memory and learning, which raises ability as well.

Maybe all you need to restore your innovative energy is a little dose of joyful music. And all you need to do to find it is open up your favorite streaming service–whether it’s Apple Music or Spotify–and sought for” Happy Music “.

9. Meditate to Regain Focus meditation appsImage Credit: akiragiulia/ Pixabay

It bangs cliche but if you get rid of all dreams( or at least try to clear your current recollects ), you get to reach your spiritual slope. Even if you don’t have a lot of duration, it’s the compatibility that matters and not the duration. If you can deplete just 3-5 minutes a day study, it can help your innovative energies.

While most people have heard of meditation, countless don’t try it because they find it difficult to focus. If you’re one of these beings, you can seek help from meditation apps such as Insight Timer and Calm.

10. Enjoy a Little Humor

If you’re planning to reap the benefits of technology to be imaginative, have fun while you’re at it. Research intimates feeling further strengthen creative thinking as it lets you associate projects more broadly and freely.

So don’t hesitate to watch funny videos on YouTube or to browse funny GIFs on Giphy.

Creativity cannot be forced. Let start of the pressure and have a laugh. But make sure online entertainment doesn’t become too much of a distraction for you. Remember, everything is good in moderation.

Carry on Training Your Brain

Creativity is like a muscle. If you don’t squander it for a long time, it will lose its strong. You need to flex it every day so that it remains health. While some people are naturally better at it, others can build it with practice.

To flex your creative muscles, stop practise your recollection always. You can do this by playing brain exercise competitions on your smartphone.

Read the full clause: 10 Ways to Restore Your Creative Energy Using Technology

Read more: makeuseof.com

Two Airbnb Experiences Hosts Shared Their Best Moneymaking Secrets With Us

When Jim Quinlan received a phone call from Barcelona in late July, he was a little surprised.

The caller was an international representative from Airbnb. She wanted Quinlan, who runs a small-scale organic, solar-powered honey bee farm in Clearwater, Florida, to list his tours on Experiences, a rapidly expanding Airbnb feature that connects visitors with unique local attractions. And for locals, it’s a convenient way to get paid to share what makes their town unique.

“They were following my Facebook and website. They wanted to get Airbnb Experiences going and thought [I] would be a good fit,” said Quinlan, who runs Florida Bee Farm. “The world has really gotten smaller.”

How Airbnb Experiences Started Slow and Took Off

At its launch in 2016, Airbnb Experiences had only 500 listings. Through recent initiatives, like reaching out directly to prospective hosts and expanding to major cities, the company now boasts more than 300,000 Experiences worldwide

Part of that expansion, at least along Florida’s west coast, can be attributed to a bit of unabashed pestering from Orlando Cano, the owner of a kayak tour business called Paradise Adventures Sarasota.

Cano stumbled upon Experiences long before it was available in Florida, and he encouraged Airbnb to allow him to list kayak tours in the mangroves of Lido Key, a prime location for manatee and dolphin sightings.

“For over a year, I emailed them once a week, ‘Do you do it now?”’ he said. “‘Do you do it now?”

In September 2018, Airbnb relented. 

“For the first six months, we were the only Airbnb Experience in Sarasota,” he said.

Since then, he’s garnered more than 500 glowing reviews, hundreds more than his closest competitor on the platform.

How to Create Your Own Airbnb Experience

If you’re already an Airbnb host, you can sign up for Airbnb Experiences relatively easily. New users must be at least 18 years old and must have their identities verified by the company before hosting an experience. Verification includes uploading a photo of a government-issued ID plus providing a full legal name and address.

Pro Tip

You don’t have to rent out accommodations on Airbnb to create and run an Experiences listing. The services operate separately.

Once verification is complete, submit your Airbnb Experiences idea for approval. Experiences should broadly fit into one of these categories: Art and Culture, Entertainment, Food and Drink, Nature, Sports or Wellness.

Think guided meditation on the beach, craft beer pub crawl that showcases your town’s microbrews or a curated date-night that features hands-on cooking with local cuisine.

For approved Airbnb Experiences, the company provides $1 million in insurance protection for most accidents (driving and flying are not covered). For hosts, Airbnb charges 20% of the sales price for each booking.

What Makes an Airbnb Experience Listing Successful?

Orlando Cano poses for a portrait where kayak's dock.

Baseline qualifications aside, how you market your Experience is everything. Quinlan and Cano shared what makes their listings shine.

Representing Your Locale

Cano and Quinlan say tourists comprise the vast majority of their client base. 

Because Airbnb recommends Experiences to those who book nearby accommodations through the app, they say having an offering emblematic of the area is crucial to attracting visitors. 

For example, Florida is a hot spot for tourism with a reputation for outdoor activities and unique wildlife. Both Cano and Quinlan have very “Florida” experiences, but their tours go deeper than a basic travel guide recommendation about popular zoos or beaches.

Since most of their clients are from out of town, being able to speak more broadly about Florida during their tours is helpful too, they said.

Getting In Early (If You Can)

Airbnb Experiences is still a new concept to many, so setting up a listing early can have lasting perks.

Because of Cano’s foresight, he was able to enjoy months with zero competition on Airbnb Experiences, even with traditional competitors operating “six feet” from where he launches.

“People say, ‘Hey, we found you on Airbnb. That’s awesome. We would’ve never found you otherwise,’” Cano said. “It definitely helps to be the first game in town.”

Expertise and Passion

A beekeeper shows his bee hives to visitors.

The Airbnb Experience website recommends that hosts have “insider access” and “expertise” to run a listing that really connects with people. Essentially, guests want hosts to show them a good time they couldn’t otherwise have on their own.

Cano and Quinlan love nature, and during their tours, they let it show. Cano has a Master Naturalist certification from the University of Florida, which gives him knowledge well outside the bounds of kayaking. He says it’s useful when gliding through the mangroves to be able to talk about wildlife and nature. The ability to read weather patterns is crucial for his line of work, as well.

For Quinlan, the educational component of his honey bee experience is huge. He gets a lot of group tours for birthdays, as well as bookings for people who are really into bees — and those who are not. But he doesn’t want to bore his guests. He says his passion for his honey bee farm helps him connect with people, and it keeps the whole group engaged.

“When [I] get a hug from people… because they had so much fun – that’s my favorite part,” Quinlan said.

High-Quality Photos and Descriptions

As with any online platform where you’re selling a good or service, the listing itself is crucial.

It’s a place for you to showcase your expertise and passion in the text and enliven the experience with several high-quality photos.

For Cano’s listing, he included seven photos of kayakers paddling through the crystal blue waters of Sarasota Bay. He’s sure to include another big draw for his tours: the wildlife. A few photos highlight encounters from curious dolphins and manatees. In his bio, he mentions his Master Naturalist certification and his years of experience kayaking.

Quinlan’s listing capitalizes on those same themes. He posted a mix of shots: some close-ups of honey bee hives, some geared-up guests inspecting colonies, and some of him leading discussions to underscore the education component. 

The approval process for a listing can be arduous. Airbnb vets listings closely, and may send back questions or critiques with feedback on what to fix. 

Avoid any reference to other businesses or websites (even your own). Airbnb doesn’t allow full names, phone numbers or email addresses to be included, as they aim to channel all booking and correspondence through Airbnb.

Reviews, Reviews, Reviews

A young woman holds a beehive.

Reviews are the name of the game. They are a shortcut for people to see if your Experience is worth their money.

Setting expectations in the description is part of garnering good reviews. But most of it is through connections you make with your guests. Being flexible and responsive will ensure a more positive experience.

And sometimes creating a positive experience means setting limits. For Quinlan, running a solar-powered bee farm is hard work, and he doesn’t want to dread leading tour after tour. So he keeps it to about two bookings a week. And to maintain the quality of his kayak tours, Cano limits his group size to 10 kayakers per guide — not the most profitable model in the short term. But it allows him to interact more with his guests. 

“Treat everybody like they’re the only customer you’re ever gonna have,” Cano said. “Not only do you want people to go home and smile, you want people to go home and smile and take out their phone or their computer and write about you.”

Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.

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.

Wealthsimple Review 2019 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO]

I’ve been putting off writing a Wealthsimple review for a while now due to the fact I personally do not personally use robo advisor, instead preferring to cut costs to the bone with my Questrade, my top rated discount brokerage, DIY strategy. 

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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 to jump around.

Below, you can find my Wealthsimple review summary and rating:

Wealthsimple Robo Advisor: Scoreboard










  • Investment Strategy










  • Website and Mobile Usability










  • Fees & Costs vs Mutual Funds










  • Halal & Socially Responsible Investing Options










  • Advice and Personal Finance Help










  • Safety

4.9









Review Summary

Wealthsimple is the largest robo advisor in Canada. Thanks to a simple onboarding process, easy to use platform, and $0 account minimum, it’s a favourite among Canadians. Plus, for new customers, Wealthsimple will pay any transfer fees for those who want to switch over.

However, while these factors all contribute to making Wealthsimple one of the top robo advisors in the Canadian market, there’s a whole lot more to this company that has allowed it to earn my stamp of approval. 

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Why is Wealthsimple Canada’s Leading Robo Advisor

There’s a reason why Wealthsimple is Canada’s biggest and most popular robo advisor. However, before I dig into what makes Wealthsimple such a standout in its field, let’s first take a second to explain what a robo advisor is and Wealthsimple’s approach as a robo-advisor.

Intro: What is a Robo Advisor?

The first thing you need to know is that a robo advisor, despite the name, is not a robot. The investment process is automated (after you set it up the first time) however, that automated process is created, run, and monitored by a team of very knowledgeable financial professionals who are also available for customer service and financial advice. 

Robo advisors have come to light over the last few years as a middle-ground for Canadians who are looking for an alternative to the big brick-and-mortar banks but are not comfortable using DIY methods. The goal is to create an easy-to-use investing process that will allow clients to make the most of their money without the hidden fees and costs often associated with traditional banking methods.  Perhaps the best part about robo advisors in my opinion is that they allow Canadians to setup a quick and easy way to automate their investing using an index-based philosophy..

The Wealthsimple Approach

The Toronto-based team behind Wealthsimple (wealthsimple.com) describes its mission as the following: 

We provide world-class, long-term investment management without the high fees and account minimums associated with traditional investment managers. We invest your money in a globally diversified portfolio of low-cost index funds modeled after the same Nobel Prize-winning research used by the world’s savviest investors. Our cutting-edge technology helps you earn the best possible return on your money, while also lowering your tax bill.

This means we do things like automatic rebalancing, dividend reinvesting, and tax loss harvesting services that most people couldn’t afford until now or found too time-consuming and tedious to do on their own. Our financial advisers are always available when you need them. They can help plan your financial milestones and answer questions you might have about potential risks or what sort of investment accounts you should have.

The Nobel Prize-winning research they are referring to is the Modern Portfolio Theory done by Harry Markowitz.  Wealthsimple is quick to tell users that their approach is based on this tried and tested work. If you are familiar with ‘couch potato investing’, then you’ll have an idea as to how Wealthsimple manages your money. We’ll dig more into how it works later on in this Wealthsimple review. 

The Team Behind Wealthsimple

As mentioned above, robo advisors are backed by financial experts who create and monitor the algorithms. Additionally, there are financial experts to reach out to with any customer service inquiries or, even for financial advice. 

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From wealthsimple.com

While robo advisors have been around for a couple of years now (Wealthsimple started in Toronto in 2014, and was founded by Michael Katchen), many Canadians are still hesitant to switch to one because they are still categorized as new. It makes sense, ‘new’ isn’t always a word you want to associate your hard-earned money with, however, you can breathe easy with Wealthsimple knowing that this particular Canadian robo advisor is “powered” by Power Financial – one of Canada’s largest and wealthiest companies.  As of 2019 Power owned 89% of Wealthsimple and had invested over $200 Million in the company! Plus, Canada’s largest robo advisor has grown up before our eyes and really isn’t that young anymore.

Wealthsimple Review: How it Works

To get started with Wealthsimple you can have an online, email, or phone discussion with an advisor to discuss what they think is the best option for you taking into consideration your goals and risk tolerance. Don’t be afraid to ask questions, remember that the Wealthsimple representative you are speaking to is an advisor and while they may not be able to answer everything off their head (mainly when it comes down to the more detailed, complex questions), they will answer your questions with your best interests at hand. 

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One of the reasons I’m such an advocate for Wealthsimple is because as a Portfolio Manager, they have a fiduciary duty, meaning that the company and their employees legally HAVE to give you advice and recommend investments with your needs and best interests in mind. Strangely enough, this is not mandatory of all financial advisors in Canada, and many people at big banks that recommend mutual funds have no fiduciary duty to you at all!

Once you have chosen your account (for example, RRSP or TFSA), your funds will be split into several different asset categories including both Canadian and international equities, real estate, and bonds. 

Wealthsimple Investing Approach and Returns

As I mentioned earlier our Wealthsimple.com review, the robo advisor approach is basically an automated form of couch potato investing. For those who aren’t familiar with this term, couch potato investing is a passive investing strategy that relies on building a diversified, low-maintenance portfolio. The goal is to deliver high returns at a low cost and has been shown to reduce typical investor costs by up to 90%. Not only does this strategy save you money, but it has also been proven to beat the vast majority of mutual funds and “money experts” that traditionally handle your investments in Canada.

The couch potato strategy (which has also been called index-investing or passive investing) is not new. It’s been around for ages, but is becoming more and more popular in part thanks to robo advisors like Wealthsimple, who allow everyday folks, rather than just finance experts, to build and maintain these types of portfolios. 

Personally, I’m a strong believer in taking this type of approach to investing, and I’m a fan of how transparent Wealthsimple is when it comes to their investment strategies. When asked what kind of returns to expect, Wealthsimple responded with the following:

Expected returns are impossible to predict and are out of your (and our) control. We prefer to focus on things we can control: fees, diversification and emotions. The stock market will take care of returns over the long term. The key is to stay disciplined and stick to your strategy in order to build wealth. You can read more about our investment strategy here.

While Wealthsimple makes it clear that expected returns are impossible to predict (this is the truth for any investor, don’t let someone try to convince you otherwise), they go an extra step in their transparency to show you how your investments are performing and what your returns actually are in their monthly statements and in your online account.

Wealthsimple Socially Responsible and Halal Investing

Investors may also be interested to know that Wealthsimple offers Socially Responsible Investing (SRI) as well. Socially responsible investing is becoming more and more popular these days, especially among millennials. 

To clarify, socially responsible investing is a type of investing that allows you to put your money towards companies and businesses that align with your environmental and social values. A Wealthsimple SRI portfolio will include the following ETFs:

  • Low Carbon (CRBN): Global stocks with a lower carbon exposure that the broader markets.
  • Environment (XEN): Canadian stock that prioritize environmental and social concerns.
  • Cleantech (PZD): Cleantech innovators in the developed world
  • Government Securities (ZFM): Canadian federal bonds with AAA rating
  • Human Rights (VIDI): Global stocks with a positive record on human rights and corruption. 

I’ll admit that socially responsible investing isn’t at the top of my priority list, however, I do agree that it is a good concept and think it’s a great way to entice younger generations to become more involved in their money decisions. Of course, people tend to be more involved with SRI portfolios because some of the companies may not be up to your personal standards, so that is something to keep in mind. Additionally, there is an added premium to SRI, about 0.2% MER since it is much more niche. However, it’s great to know that the option is there should that be important to you. 

As well as socially responsible investing, Wealthsimple also offers Halal Investing. This portfolio is optimized for performance by using companies that align with Islamic law. This means no businesses that profit from gambling, weapons, tobacco, or other restricted industries. Additionally, this type of investing will not include any businesses that obtain a significant percentage of their income from interest on loans. All investments are screened by a group of Shariah scholars to ensure that they are up to the expected standards. 

Hallal portfolios include 50 stocks chosen based on the designated required principles as well as their ability to be optimized for diversification. Examples of these stocks include Pfizer Inc, Canon Inc, and Johnson & Johnson. As with other Wealthsimple investment portfolios, the goal of Halal investing is to minimize risk and maximize reward and, if you are wondering about the fees, there are no additional fees to Wealthsimple’s halal investing, it follows the same fee structure as other Wealthsimple investments.

 

Wealthsimple Review: Costs and Fees

Wealthsimple.com currently has three different levels: Basic, Black, and Generation. I’ll dig more into these in a minute, but when it comes to fees, the Wealthsimple management fees differ depending on which of these levels you choose. It will either be 0.5% or 0.4%.

Now, on top of the Wealthsimple management fees you need to include the MERs of the underlying ETFs. The total MER for your investment in a basic portfolio will be 0.5%-0.7%.

If you are looking into socially responsible investing (SRI), as mentioned previously, you will have slightly higher MERs, around 0.25-0.40%. This would then bring your total fees (management fees plus MERs) to 0.65%-0.90%. 

ETFs are known for having significantly lower MERs than mutual funds. To compare, consider Wealthsimple’s overall fees (0.5%-0.7% for non SRI accounts) versus actively managed mutual funds which are more like 2%-2.5%. That means the average Canadian is paying 3-4 times as much for their mutual fund investments, than they could be paying for an objectively superior investment product! 

Now that you have an idea of the Wealthsimple costs and fees, let’s take a look at the different Wealthsimple levels. 

Wealthsimple Basic

The Wealthsimple Basic Account is for clients who have up to $100,000. This account has a 0.5% fee which includes trading, account fees, rebalancing costs, and transfer fees. It’s a simple account, nothing too fancy. That being said, the fees are competitive compared to other robo advisors on the market, plus you also get financial advice included as part of the package.

Wealthsimple Black

The Wealthsimple Black account is a premium service for clients who have more than $100,000. If you have this account, your management fee drops from 0.5% to 0.4%. It may not seem like a lot, but trust me, that adds up quickly over time!

Black account holders receive all the benefits included in the basic account: trading, account fees, rebalancing costs and transfer fees, and free expert advice. 

However, Wealthsimple Black members also get a few additional perks including: 

  • Tax loss harvesting: this can be tricky to figure out on your own, but if it makes sense for you, the Wealthsimple team will use tax harvesting strategies to create tax savings in your portfolio. For those who are unsure of how this works, essentially they will sell any investments that have lost their value, put in a tax deduction, and then buy a similar asset. It’s not for everyone, but if it applies to your financial situation, this can also save you quite a bit of money. 
  • Financial planning sessions: book a 1 on 1 call to talk to an expert advisor about your financial strategy or plans for retirement. 
  • VIP airport lounge access at over 1,000 lounges across 400 cities worldwide. These types of passes usually cost about $25+ per session, so if you travel a lot this alone could save you hundreds of dollars each year, plus make your travel experience much more enjoyable. 

Wealthsimple Generation

The Wealthsimple Generation account is the top tier, and is for those who have deposits of $500,000 or more. This plan has the same features as Wealthsimple Black: trading, account fees, rebalancing costs and transfer fees, free expert advice, 0.4% management fee, tax harvesting, financial planning sessions, and VIP airport lounge access. 

On top of the above perks, a Wealthsimple Generation account also comes with two additional benefits.

  • 50% off the Medcan Comprehensive Health Plan: This includes an annual check up, up to 15 diagnostic tests, same day (or next day) appointments, travel health support both in Canada and abroad, and genetic tests. This 50% discount will save you over $2000. 
  • Personalized financial report: the Wealthsimple team will help you strategize your financial goals and draw up plans for retirement, ways to preserve your wealth, and can analyze your cash flows and make financial projections to better help you manage your money. 

Both the Wealthsimple Black and Wealthsimple Generations platforms are excellent values.  The 0.4% MER means that costs are quite reasonable, and if you think about it, the tax harvesting feature alone can save you enough to cover that 0.4% fee. Plus, as a traveller, I can really appreciate the airport lounge pass. After all, who doesn’t want to feel like a VIP? 

Another thing to note, if you are thinking of switching over to Wealthsimple from your current bank, Wealthsimple will cover all of your transfer fees.

 

Wealthsimple RRSP Accounts and TFSA Accounts 

Wealthsimple offers a range of account types including:  

  • RRSP
  • TFSA
  • RESP
  • Joint
  • Business
  • LIRA
  • Personal
  • RRIF

Most Canadians are just looking for the easiest way to investment money within a registered account.  It is incredibly simple to open a Wealthsimple RRSP, TFSA, or RESP account. It can be done completely online, is almost instant, and after hooking up your chequing or savings account, you can conveniently set up an automatic contribution that puts your savings on autopilot.

No more worrying about RRSP season and last minute investment decisions.  Just a safe, simple, proven investment strategy that you can set and forget about until you’re ready to make a large-scale change.  While Wealthsimple obviously offers a wide variety of accounts, these three registered accounts represent the total investing activity for many Canadians, and are a main focus for Wealthsimple.  

If you have any questions about how the Wealthsimple RRSP or TFSA work, their online chat feature (or their old school phone assistance) will be able to efficiently answer any questions you might have about where to contribute or how to use the platform.  About the only questions their first line of assistance might struggle with is in-depth niche topic help for something like investment trusts. (If you don’t know what an investment trust is, don’t be alarmed – it’s very unlikely that you’ll ever need to.)

 

Wealthsimple High Interest Savings Account

Interestingly, Wealthsimple was the first Canadian robo advisor to offer a High Interest Savings Account (HISA). Personally, I’m not the biggest advocate for using HISA’s for long-term savings (such as retirement), however, for short-term goals like a vacation or buying a car, a HISA is a great option.

Right now, Wealthsimple offers a 2% interest rate for their high interest savings account. That’s a flat fee; it’s not a promotional rate, it doesn’t go away after a certain period of time, 2% is what you get. Additionally, there’s no minimum balance requirement (great for those just starting saving), and you’ll get unlimited transaction fees.  That 2% is about 1.95% higher than what you’re likely getting in your big bank chequing account, and 1.5% higher than what many big bank “savings accounts” offer.

While there’s no doubt that the Wealthsimple HISA is a good choice, one of the best advantages to Wealthsimple offering so many account options is that they make it easy to keep all of your savings and investments in one place, which in turn for you makes it easier to manage and keep track of.

The Wealthsimple App

Speaking of the Wealthsimple App, it’s actually pretty amazing. Launched in December of 2014, it was the first app of its kind; an app designed with the specific goal of making investing easier.

Wealthsimple describes their app as having a ‘financial advisor in your pocket’. The app allows you to get in touch with your wealth concierge at the tap of a finger, plus you can easily add funds, keep an eye on your asset allocation, and view your performance. 

On top of creating an easy and streamlined app, Wealthsimple also prioritizes privacy in their app. They go above the simple ‘create a password’ and allow users to use either TouchID or set a unique 4 digit passcode (for iphone) or lock pattern (for Android). This is true for both the Wealthsimple App and the Wealthsimple Trade app. 

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Wealthsimple Review: Is it Safe?

Because Wealthsimple is a still a somewhat new name to people, the most common question I get asked is, “Is Wealthsimple Safe?”

The answer?

Yes!

Wealthsimple is as safe as any banking and investment option in Canada.  They now have more than 100,000 clients from all over the world!auto traffic exchange

First of all, Wealthsimple is an online business. If they didn’t protect their customers, it would be an instant death for the company. As for how exactly they protect their clients? Wealthsimple uses bank-level security including a 128-bit SSL certificate. For those who are unsure of what this means, essentially it’s a program that will ensure that your personal information and passwords don’t get seen by prying eyes. 

Secondly, Wealthsimple indicates that they also use industry-standard backup programs and firewalls. These will prevent any large-scale problems from occurring as well as work towards backing up information automatically multiple times a day, every day of the week. 

Thirdly, your money invested with Wealthsimple is also protected by outside sources. When you invest with Wealthsimple, your money is insured by the Canadian Investor Protection Fund (CIPF) up to $1 million per account. On top of that, if you have a HISA with Wealthsimple, your money is insured by the Canadian Deposit Insurance Corporation (CDIC) for up to $100,000 (there is optional coverage for up to $800,000 per account, however, in my opinion, if you are keeping that much money in a HISA you may want to rethink your financial strategies). 

Finally, we need to remember the team behind Wealthsimple. These are career professionals who have years in the industry with reputations to uphold. The fact that these individuals have lent their names to the company also instils a strong feeling of trust. Additionally, Wealthsimple is made up of registered portfolio managers that have a legal fiduciary duty to clients. This means that, by law, they have to give recommendations based on the client’s best interest.

With Power Financial running the Wealthsimple show, there is no doubt that this company is in it for the long haul and is incredibly safe!  It should be noted that no investment company can guarantee the safety of investment returns. So within that narrow definition of “guaranteed investment performance” than Wealthsimple – as well as every other investment entity out there – is not 100% safe.  Your portfolio will always be subject to the general performance of the market, and anyone that promises you different is probably trying to illegally sell you something.

A Wealthsimple Promo Offer Coupon for You

Wealthsimple has provided me with a promotion code for readers to manage up to $10,000 free for a full year. This means you don’t pay any management fees for 12  full months as you test the platform out!try this top Canadian robo advisor. 

To take advantage of our Wealthsimple Review Coupon Code simply click below:

 

Wealthsimple Review: Summary

Wealthsimple isn’t the only robo advisor in Canada, but I can honestly say that as of today they are easily the #1 choice in most situations. Here’s what I think makes Wealthsimple stand out in the field enough to be worth considering:

  • Wealthsimple is the largest robo advisor in the country
  • Wealthsimple has a $0 account minimum
  • Wealthsimple is CIPF-insured up to $1,000,000. 
  • Their website and app are incredibly user friendly
  • Wealthsimple will cover your transfer fees to switch over to them
  • Wealthsimple offers easy to understand interactive statements that break everything down for you
  • Wealthsimple is partnered with the Mint App
  • Wealthsimple allows you to invest in fractional shares
  • Wealthsimple automatically re-invests dividend income from your investments back into ETFs that have fallen below the portfolio target you originally set
  • Wealthsimple offers HISA accounts
  • Wealthsimple offers socially responsible investing (SRI) and halal investing

In other words:

OUR RATING:

4.9 / 5

Here’s the simple truth: Wealthsimple is the quickest and easiest way to take a piece of your paycheque every month, and automatically invest it into a diversified portfolio of ETF options from around the world.  I love the investment strategy, I love the simplicity of it. It’s not as cheap as opening a Questrade account and building your own ETF portfolio or purchasing an all-in-one ETF, but it is MUCH cheaper than traditional Canadian investment options.

Ready to start with Wealthsimple? Don’t forget to use our Wealthsimple review link to sign up today and save the fees on your first $10,000! 

 

Wealthsimple Trade – The No Fee Discount Brokerage

Everything we have discussed so far in our Wealthsimple review has been looking at an automated portfolio of basic index ETFs, and would be comparable to other Canadian robo advisors. However, if you are interested in trying to manage your own portfolio you might be interested Wealthsimple Trade. With this option, you make the decisions of how to invest; what to buy and sell on the stock market.

A brokerage account is where you will hold the money that you use to buy/sell stocks. Brokerage accounts with financial planners tend to cost more as you are paying for their investment advice and management skills. Online brokerage accounts, however, have much lower fees and allow you to buy/sell from the comfort of your home.  Wealthsimple Trade would be broadly comparable to Questrade as far as “apple-to-apples” comparisons go – although they have a ways to go before they challenge for my #1 discount brokerage award.

With Wealthsimple Trade, you can buy and sell thousands of stocks. It’s a relatively new platform, and still has a few bumps that they are sorting out and adding to, but one of the major draws of Wealthsimple Trade is that it is $0 commission, which means that they do not add any fees to buying and selling stocks. Most other online brokerage accounts charge for trades, so this factor definitely makes Wealthsimple stand out in the pack. If you are wondering that the catch is, and how Wealthsimple Trade actually makes money if they don’t charge commission, know that Wealthsimple does charge a +1.50% base conversion fee when you make US trades which. Considering that other brokerages charge about 2% on foreign trades, is very reasonable.

On top of the 0$ commission structure, Wealthsimple Trade also has a no account minimum, which makes it extra enticing to those who think they want to dabble with their own portfolios. However, it’s important to remember that this option is for those who know what they are doing. Buying and selling stocks just because someone told you to is not a smart investment technique. That being said, having the freedom to make your own investment decisions can lead to a bigger reward. Just remember to treat it as an investment, not a gambling experiment. 

Wealthsimple Trade has its own app, so you will need to download it as well as the original Wealthsimple app that you already use. However, your bank account will still be linked which means you can get started right away. 

 

 

The post Wealthsimple Review 2019 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO] appeared first on Million Dollar Journey.

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Radio, I’ve Got Your AI (Audience Intelligence) Right Here

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There’s lot of talk about AI everywhere you go in tech. Artificial Intelligence is simply the ability to predict behavior, based on learned data and bias. Its how tech corporations, automobile manufacturers, smart orators, e-commerce locates, and other web-based companionships study our action to suggest brand-new things for us to buy, sits for us to visit, and ways to spend our money.

It goes back to that saying, “In God we trust. All others must raise data” breathed by statistician and consultant, W. Edwards Deming. And of course, he was right.

And data has become even more important as radio segues from playing against a knot of other terminals in your marketplace to going up against more daunting challengers- satellite radio, streaming pure-plays, podcasts, connected cars, smart talkers- and the inventory retains coming longer and the quality of race gets better.

That’s why no matter what else your station( or assemble or companionship) does in 2020, on the front burner should be aggregating data to help your programming, auctions, digital, and market teams better understand the intricacy and magnitude of your competitive environment. Where are your “pain stations? ” Where are you openings? How can you best deploy your resources- human and business- to create enormous material you can monetize, while building your station’s brand.

That’s our mindset here at Jacobs Media, a shift in focus from what radio stations and the companies that owned them were aspiring to just a decade or two ago. Back then, it was about achieving ratings, receipt, and margins. The manufacture was a fertile, open battleground with a handful of entrants- newspapers, TV terminals, the Yellow Pages, and direct mail.

Oh, those were the days. Through most of the 2000 ’s, that quite simple, highly profitable model varied, morphed, and yes, was disrupted. And now, media of all sizes, shapes, and pulpits are trying to figure it out. If you’re not Google, Apple, Facebook, or Amazon, you’re in scramble mode.

Even Netflix- virtually the first mover in the video streaming category- has now got its paws full as Disney, Apple, and others are becoming distribution channels themselves, dedicated to cornering great content and the way in which shoppers loved it. That’s how crazy it’s become.

And so in our annual Techsurvey’s- started back in 2004 -5- we’ve been tracking all the different ways radio publics are spending time on other programmes, consuming new gadgetry, and ingesting content in different ways.

As we spend more time with crews of corporate execs( and perhaps a little less time arguing about which Nirvana songs to play ), the topics often revolve around new media that matters- and how broadcasters can navigate these changes as both challenges and opportunities.

Money has never been tighter in the radio business than it is today. And the current round of planning happening as you read this at many companies has pushed managers to the brink.

So, it stands to reason that investments in new media- podcasting, social media, streaming, portable apps, Alexa skills, etc.- must be spent wisely and strategically. Sadly, most radio broadcasters can be said whether they’re the concert power or how well “Black Dog” assessments. But they may be much more hard-pressed when it comes to knowing the percentage of their listeners that own a smart orator, subscribe to SiriusXM, and listen to podcasts at least weekly.

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That’s why we do Techsurvey. We break away 14 different formats- including Rock, Country, AC, and everything in between, along with News/ Talk and Sports. And the big benefit is that “stakeholder” stations receive their own data- how their core audience squanders media, technology, as well as why they are also enjoy listening to broadcast radio.

Oh, the things you’ll learn.

In Techsurvey 2020, we’ll be tracking everything you’d expect, but of course, there will be new questions to help broadcasters better best free website traffic generatornavigate the changing landscape. We know headphone usage is of growing interest, especially as Nielsen is investigating how it plays into radio listening. We’ll tackle that issue, as well as learn more about “hearables”- machines like Air Pods and similar peripherals.

We will devote considerable questionnaire “real estate” on both smart-alecky talkers and podcasting- two areas that continue to dominate discourses in both board areas and at media discussions. We’ll track radio’s disappearance in the home, and whether Alexa and Google Home are becoming their replacements.

With 800,000 podcasts available to anyone with a smartphone or a laptop, how are consumers discovering podcasts and how do they listen to them?

What’s the latest in the iHeartRadio vs. Radio.com battle, and how favourite are individually branded station apps?

blogYou can bet we’ll update how radio listeners are using social media. Is there a continued move away from Facebook? And how are emerging actors like TikTok looking?

We will likewise continue to explore privacy controversies- how are they impacting the ways in which purchasers use media and are they stunting the growth of devices like smart-alecky orators?

We will likewise look at audience awareness of numerous new aspects radio stations are now offering. What are the awareness levels of station mobile apps, podcasts, videos, and other outlets broadcasters are giving heavily in?

Oh, the things you’ll learn.

Then there’s the chart that preserves getting more interesting with each extending year. With all the new media, gadgetry, and technology accessible, why are consumers still turning to radio? What is broadcast radio’s “job-to-do” in 2020, and how can broadcasters reinforce the reasons why the medium continues to be viable?

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This is how it examined this year- among all 50,000+ respondents. Yes, radio has inherent fortitudes- it’s simple, easy, and free. And of course, music and identities are integral to why purchasers see radio a media habit.

But as we’ve highlighted in red, for countless consumers, radio specifies feeling benefits- companionship, a friend at work, mood altitude, and as information sources for emergency info when things proceed amis. And as you’d expect, these graphs inspect a great deal different when you isolate format listeners, and individual depot audiences.

So, I’m hoping you’ll join the 560+ radio stations who made place last year in Techsurvey 2020. These collective research studies are what the Internet has become about- a shared knowledge, crowd-sourced data gathering. For really a few hundred bucks, you’ll deliver more ROI for your radio depot label than any other investment you can make.

We go to the field at the start of the new time, and the exclusive stakeholder present is set for mid-March. And then late that month, I’ll be at the Worldwide Radio Summit in L.A ., showing off the top-line data for Joel Denver’s attendees. Meanwhile, your terminal will have your data, ready to meet the challenges that position ahead in 2020.

It’s all designed to raise your AI – your Audience Intelligence. Whether it’s meeting with the airstaff, the sales team, or scheming out your trend for the foreseeable future, this is the information that helps you originate smarter, more strategic decisions.

After all, if we don’t have data, your guess is as good as mine.

Oh, the things you’ll learn.

Here’s a favorite excerpt that says it all of the reasons why we continue to create and display Techsurvey 😛 TAGEND

“If we have data, let’s look at data. If all we have are opinions, let’s go with mine.”- Jim Barksdale, former Netscape CEO

More info about Techsurvey 2020, a nifty video, and registration info is available here.

Info for the Worldwide Radio Summit is here .

Read more: jacobsmedia.com

How to change careers in 12 months (or less)

After spending a decade as a pastor, I realized in May of 2018 that I was ready to make a drastic career change…into personal finance education.

I’ve always loved to write, so I wanted to first see if I could actually make money writing about personal finance. But I made a commitment to myself. In one year’s time, I was going to have a day job where I helped people learn how to handle their money wisely. The question was just in what capacity.

So I set a deadline for myself. If I hadn’t figured out a way by May 2019 to make enough money as a freelance writer to pay the bills, I would get certified as a teacher and apply to be an economics teacher at local high schools.

Fast forward twelve months. This past May I did quit my day job. In one year’s time, I was able to create a full-time income in a career that I previously had no experience in.

How did I do it? More importantly, how can you turn your dream job into a reality as quickly as possible?

Give Yourself Permission to Make Mistakes

When I first decided that I wanted my day job to be in the personal finance space, I honestly had no idea what job I should pursue. Here are just a few of the options that I pondered:

  • Getting my CFP certification so I could become a financial planner
  • Becoming a financial coach
  • Getting certified as an ACF accredited counselor
  • Becoming a high school or college teacher
  • Becoming a financial aid counselor
  • Starting a personal finance blog
  • Starting a podcast
  • Starting a YouTube channel

Does it sound like I was just throwing spaghetti against the wall to see what would stick? Yeah, it felt that way too.

I was so frustrated that I couldn’t just “know” what my path was. There were many days that my head hurt just trying to consider all the options.

So how did I move forward? I just started experimenting with things and I told myself if it was perfectly fine if they didn’t pan out. Remember the financial coaching idea? Yeah, I paid way too much for a “financial coach training” course that ended up being a complete waste of money and time.

The blog idea? I tried that one out for size in May when I launched my website. And I naively thought that it could become my full-time income in no time at all.

I was wrong.

But before I wander too far down the trail of the “greatest hits” of my mistakes, let me get to the point. Believe it or not, I didn’t let those mistakes or miscalculations discourage me.

My general passion kept me grounded enough to push through difficulties deciding upon my specific job. I knew that I would eventually find my “niche” and I gave myself permission to choose some wrong doors before finding the right one.

And in the case of my blog, yes it didn’t end up being a money-maker for me as quickly as I assumed it could be. But the writing that I did for my own site was instrumental in helping me land writing clients later on.

Meet People

I know the saying is overused, but there’s a lot of truth to the saying: “It’s not what you know you, but it’s who you know.”

In my case, I wanted to break into the personal finance media field. I wanted to meet people who were already in that space.

I wasn’t sure how to do that. But I simply googled “personal finance blogger’s conference” and boom, a conference called Fincon popped up first on my search results. I had never heard of FinCon before, but the conference looked legit. So I paid for a ticket and showed up not knowing what to expect.

Little did I know that I’d have a chance to sit down and pitch myself to over 20 different editors of publications large and small. So I sat down and tried my best to sound confident and knowledgeable for a guy who had ZERO paid writing experience.

I smiled, tried to show my passion, and asked them to take a chance on me. I even remember telling some of them that they were lucky because I was a new writer and they could get me at a discount right now.

Yes, I did that.

It would have taken me YEARS of cold email pitches to have made the kind of traction that I was able to make in 15 minutes at Fincon. I followed up on everyone that I met at FinCon and I was able to land my first writing client in November.

And in the next seven months, I was able to build up a full-time writing income, mostly all from referrals. Literally, every client but one that I’ve landed so far has come as a result of relationships that I built there.

If you are wanting to break into any new field, reading blog posts are great (please read them, because it helps people like me pay the bills), but there’s nothing that can quite replace the effect of meeting people who are already doing what you want to do.

  • If you want to start a restaurant, offer to take a local restaurant owner out to dinner.
  • If you want to become a personal trainer, find local meetups or conferences and get to know people who are successful.

Pick their brains. Become part of the “community.” I really believe that is the key to success in nearly every career field.

Prepare for Your “Worst-Case” Scenario

I think one of the biggest reasons that we, as human beings, don’t take more risks is that we’re simply so afraid of what might go wrong.

“Unknown” problems tend to scare us more than the problems that we’re already aware of in our current situation…whether that’s logical or not. But one way to get past that fear is to just be honest with yourself about what your worst-case scenario would be.

When I first started writing, my worst-case scenario was that I might not make any money at it and may have to become a teacher instead. And, to be honest, once it sunk in that was the worst thing that could happen, I realized that the “worst-case” wasn’t really all that bad.

And that helped me get past my analysis paralysis.

Now that I’m a full-time writer, my “worst-case” scenario would be that a ton of my clients all decided to dump me at the same time and I have a few months where my bills are higher than my income.

But to help alleviate that concern, I saved up every penny of my freelance income until I launched out full-time. By doing this, I was able to save up an emergency fund of almost a year’s worth of income.

So again, the “worst-case” really isn’t something worth fretting about.

Carefully think through the worst thing that could happen during your own career change and prepare for it. And I promise that it will help you confidently step out and make the bold moves that you need to make to be successful.

First Steps

If you’ve been dying to explore a new career, you can do it! But to be fair, not every career can be transitioned to as fast as I was able to transition into freelance writing.

Want to become a doctor? Sorry, no advice that I, or anyone else, will give can make that possible in 12 months or less. Some careers come with built-in education and certification requirements that will simply take time to earn.

But what you can do in the next 12 months is to take your first step in the right direction. And, for careers that have lower barriers to entry, here are a few action steps that could get you moving in the right direction:

  • Educate yourself: Are there courses that you could take or certifications you could earn to give you an advantage over others vying for the same job opportunities?
  • Don’t be afraid to reach out to influencers: When I was in college, I took a course that required every student to interview the CEO of a company that would be our “dream job” someday. We we all thought our professor was crazy. But it turned out that everyone of us were able to accomplish the assignment and had the chance to pick the brains of smart and talented people. And some of my classmates even landed management poisitions at great companies like Southwest Airlines and FedEx as a result of the relationships that started with these simple phone calls. Here’s how Tim Ferris teaches his Princeton students to get email responses from powerful people.
  • Work for free: My first writing assignment was an unpaid guest post. No, I didn’t make any money, but it gave me my first byline and valuable experience. You may have similar opportunities. Could you volunteer one day a week for a business that’s in the niche you want to break into? At the very least, it could help you learn more about what the career entails. And, who knows — it could turn into a job opportunity too!
  • Update your resume and LinkedIn profile: Reframe your skills and experiences to highlight the things about you that would be attractive to clients in your targeted career field. And, as you can gain volunteer or paid experience, make sure to update your resumes and profiles to reflect this.
  • Leverage your existing network: Yes, it’s important to meet new people. But you may have existing relationships that could help you along the way. Don’t be afraid to ask friends and family for help!

Don’t let your lack of experience keep you from pursuing a new career. By being proactive and taking action, you may be able to change careers faster than you think.

The post How to change careers in 12 months (or less) appeared first on Get Rich Slowly.

Wealthsimple Review 2019 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO]

I’ve been putting off writing a Wealthsimple review for a while now due to the fact I personally do not personally use robo advisor, instead preferring to cut costs to the bone with my Questrade, my top rated discount brokerage, DIY strategy. 

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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 to jump around.

Below, you can find my Wealthsimple review summary and rating:

Wealthsimple Robo Advisor: Scoreboard










  • Investment Strategy










  • Website and Mobile Usability










  • Fees & Costs vs Mutual Funds










  • Halal & Socially Responsible Investing Options










  • Advice and Personal Finance Help










  • Safety

4.9









Review Summary

Wealthsimple is the largest robo advisor in Canada. Thanks to a simple onboarding process, easy to use platform, and $0 account minimum, it’s a favourite among Canadians. Plus, for new customers, Wealthsimple will pay any transfer fees for those who want to switch over.

However, while these factors all contribute to making Wealthsimple one of the top robo advisors in the Canadian market, there’s a whole lot more to this company that has allowed it to earn my stamp of approval. 

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Why is Wealthsimple Canada’s Leading Robo Advisor

There’s a reason why Wealthsimple is Canada’s biggest and most popular robo advisor. However, before I dig into what makes Wealthsimple such a standout in its field, let’s first take a second to explain what a robo advisor is and Wealthsimple’s approach as a robo-advisor.

Intro: What is a Robo Advisor?

The first thing you need to know is that a robo advisor, despite the name, is not a robot. The investment process is automated (after you set it up the first time) however, that automated process is created, run, and monitored by a team of very knowledgeable financial professionals who are also available for customer service and financial advice. 

Robo advisors have come to light over the last few years as a middle-ground for Canadians who are looking for an alternative to the big brick-and-mortar banks but are not comfortable using DIY methods. The goal is to create an easy-to-use investing process that will allow clients to make the most of their money without the hidden fees and costs often associated with traditional banking methods.  Perhaps the best part about robo advisors in my opinion is that they allow Canadians to setup a quick and easy way to automate their investing using an index-based philosophy..

The Wealthsimple Approach

The Toronto-based team behind Wealthsimple (wealthsimple.com) describes its mission as the following: 

We provide world-class, long-term investment management without the high fees and account minimums associated with traditional investment managers. We invest your money in a globally diversified portfolio of low-cost index funds modeled after the same Nobel Prize-winning research used by the world’s savviest investors. Our cutting-edge technology helps you earn the best possible return on your money, while also lowering your tax bill.

This means we do things like automatic rebalancing, dividend reinvesting, and tax loss harvesting services that most people couldn’t afford until now or found too time-consuming and tedious to do on their own. Our financial advisers are always available when you need them. They can help plan your financial milestones and answer questions you might have about potential risks or what sort of investment accounts you should have.

The Nobel Prize-winning research they are referring to is the Modern Portfolio Theory done by Harry Markowitz.  Wealthsimple is quick to tell users that their approach is based on this tried and tested work. If you are familiar with ‘couch potato investing’, then you’ll have an idea as to how Wealthsimple manages your money. We’ll dig more into how it works later on in this Wealthsimple review. 

The Team Behind Wealthsimple

As mentioned above, robo advisors are backed by financial experts who create and monitor the algorithms. Additionally, there are financial experts to reach out to with any customer service inquiries or, even for financial advice. 

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From wealthsimple.com

While robo advisors have been around for a couple of years now (Wealthsimple started in Toronto in 2014, and was founded by Michael Katchen), many Canadians are still hesitant to switch to one because they are still categorized as new. It makes sense, ‘new’ isn’t always a word you want to associate your hard-earned money with, however, you can breathe easy with Wealthsimple knowing that this particular Canadian robo advisor is “powered” by Power Financial – one of Canada’s largest and wealthiest companies.  As of 2019 Power owned 89% of Wealthsimple and had invested over $200 Million in the company! Plus, Canada’s largest robo advisor has grown up before our eyes and really isn’t that young anymore.

Wealthsimple Review: How it Works

To get started with Wealthsimple you can have an online, email, or phone discussion with an advisor to discuss what they think is the best option for you taking into consideration your goals and risk tolerance. Don’t be afraid to ask questions, remember that the Wealthsimple representative you are speaking to is an advisor and while they may not be able to answer everything off their head (mainly when it comes down to the more detailed, complex questions), they will answer your questions with your best interests at hand. 

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One of the reasons I’m such an advocate for Wealthsimple is because as a Portfolio Manager, they have a fiduciary duty, meaning that the company and their employees legally HAVE to give you advice and recommend investments with your needs and best interests in mind. Strangely enough, this is not mandatory of all financial advisors in Canada, and many people at big banks that recommend mutual funds have no fiduciary duty to you at all!

Once you have chosen your account (for example, RRSP or TFSA), your funds will be split into several different asset categories including both Canadian and international equities, real estate, and bonds. 

Wealthsimple Investing Approach and Returns

As I mentioned earlier our Wealthsimple.com review, the robo advisor approach is basically an automated form of couch potato investing. For those who aren’t familiar with this term, couch potato investing is a passive investing strategy that relies on building a diversified, low-maintenance portfolio. The goal is to deliver high returns at a low cost and has been shown to reduce typical investor costs by up to 90%. Not only does this strategy save you money, but it has also been proven to beat the vast majority of mutual funds and “money experts” that traditionally handle your investments in Canada.

The couch potato strategy (which has also been called index-investing or passive investing) is not new. It’s been around for ages, but is becoming more and more popular in part thanks to robo advisors like Wealthsimple, who allow everyday folks, rather than just finance experts, to build and maintain these types of portfolios. 

Personally, I’m a strong believer in taking this type of approach to investing, and I’m a fan of how transparent Wealthsimple is when it comes to their investment strategies. When asked what kind of returns to expect, Wealthsimple responded with the following:

Expected returns are impossible to predict and are out of your (and our) control. We prefer to focus on things we can control: fees, diversification and emotions. The stock market will take care of returns over the long term. The key is to stay disciplined and stick to your strategy in order to build wealth. You can read more about our investment strategy here.

While Wealthsimple makes it clear that expected returns are impossible to predict (this is the truth for any investor, don’t let someone try to convince you otherwise), they go an extra step in their transparency to show you how your investments are performing and what your returns actually are in their monthly statements and in your online account.

Wealthsimple Socially Responsible and Halal Investing

Investors may also be interested to know that Wealthsimple offers Socially Responsible Investing (SRI) as well. Socially responsible investing is becoming more and more popular these days, especially among millennials. 

To clarify, socially responsible investing is a type of investing that allows you to put your money towards companies and businesses that align with your environmental and social values. A Wealthsimple SRI portfolio will include the following ETFs:

  • Low Carbon (CRBN): Global stocks with a lower carbon exposure that the broader markets.
  • Environment (XEN): Canadian stock that prioritize environmental and social concerns.
  • Cleantech (PZD): Cleantech innovators in the developed world
  • Government Securities (ZFM): Canadian federal bonds with AAA rating
  • Human Rights (VIDI): Global stocks with a positive record on human rights and corruption. 

I’ll admit that socially responsible investing isn’t at the top of my priority list, however, I do agree that it is a good concept and think it’s a great way to entice younger generations to become more involved in their money decisions. Of course, people tend to be more involved with SRI portfolios because some of the companies may not be up to your personal standards, so that is something to keep in mind. Additionally, there is an added premium to SRI, about 0.2% MER since it is much more niche. However, it’s great to know that the option is there should that be important to you. 

As well as socially responsible investing, Wealthsimple also offers Halal Investing. This portfolio is optimized for performance by using companies that align with Islamic law. This means no businesses that profit from gambling, weapons, tobacco, or other restricted industries. Additionally, this type of investing will not include any businesses that obtain a significant percentage of their income from interest on loans. All investments are screened by a group of Shariah scholars to ensure that they are up to the expected standards. 

Hallal portfolios include 50 stocks chosen based on the designated required principles as well as their ability to be optimized for diversification. Examples of these stocks include Pfizer Inc, Canon Inc, and Johnson & Johnson. As with other Wealthsimple investment portfolios, the goal of Halal investing is to minimize risk and maximize reward and, if you are wondering about the fees, there are no additional fees to Wealthsimple’s halal investing, it follows the same fee structure as other Wealthsimple investments.

 

Wealthsimple Review: Costs and Fees

Wealthsimple.com currently has three different levels: Basic, Black, and Generation. I’ll dig more into these in a minute, but when it comes to fees, the Wealthsimple management fees differ depending on which of these levels you choose. It will either be 0.5% or 0.4%.

Now, on top of the Wealthsimple management fees you need to include the MERs of the underlying ETFs. The total MER for your investment in a basic portfolio will be 0.5%-0.7%.

If you are looking into socially responsible investing (SRI), as mentioned previously, you will have slightly higher MERs, around 0.25-0.40%. This would then bring your total fees (management fees plus MERs) to 0.65%-0.90%. 

ETFs are known for having significantly lower MERs than mutual funds. To compare, consider Wealthsimple’s overall fees (0.5%-0.7% for non SRI accounts) versus actively managed mutual funds which are more like 2%-2.5%. That means the average Canadian is paying 3-4 times as much for their mutual fund investments, than they could be paying for an objectively superior investment product! 

Now that you have an idea of the Wealthsimple costs and fees, let’s take a look at the different Wealthsimple levels. 

Wealthsimple Basic

The Wealthsimple Basic Account is for clients who have up to $100,000. This account has a 0.5% fee which includes trading, account fees, rebalancing costs, and transfer fees. It’s a simple account, nothing too fancy. That being said, the fees are competitive compared to other robo advisors on the market, plus you also get financial advice included as part of the package.

Wealthsimple Black

The Wealthsimple Black account is a premium service for clients who have more than $100,000. If you have this account, your management fee drops from 0.5% to 0.4%. It may not seem like a lot, but trust me, that adds up quickly over time!

Black account holders receive all the benefits included in the basic account: trading, account fees, rebalancing costs and transfer fees, and free expert advice. 

However, Wealthsimple Black members also get a few additional perks including: 

  • Tax loss harvesting: this can be tricky to figure out on your own, but if it makes sense for you, the Wealthsimple team will use tax harvesting strategies to create tax savings in your portfolio. For those who are unsure of how this works, essentially they will sell any investments that have lost their value, put in a tax deduction, and then buy a similar asset. It’s not for everyone, but if it applies to your financial situation, this can also save you quite a bit of money. 
  • Financial planning sessions: book a 1 on 1 call to talk to an expert advisor about your financial strategy or plans for retirement. 
  • VIP airport lounge access at over 1,000 lounges across 400 cities worldwide. These types of passes usually cost about $25+ per session, so if you travel a lot this alone could save you hundreds of dollars each year, plus make your travel experience much more enjoyable. 

Wealthsimple Generation

The Wealthsimple Generation account is the top tier, and is for those who have deposits of $500,000 or more. This plan has the same features as Wealthsimple Black: trading, account fees, rebalancing costs and transfer fees, free expert advice, 0.4% management fee, tax harvesting, financial planning sessions, and VIP airport lounge access. 

On top of the above perks, a Wealthsimple Generation account also comes with two additional benefits.

  • 50% off the Medcan Comprehensive Health Plan: This includes an annual check up, up to 15 diagnostic tests, same day (or next day) appointments, travel health support both in Canada and abroad, and genetic tests. This 50% discount will save you over $2000. 
  • Personalized financial report: the Wealthsimple team will help you strategize your financial goals and draw up plans for retirement, ways to preserve your wealth, and can analyze your cash flows and make financial projections to better help you manage your money. 

Both the Wealthsimple Black and Wealthsimple Generations platforms are excellent values.  The 0.4% MER means that costs are quite reasonable, and if you think about it, the tax harvesting feature alone can save you enough to cover that 0.4% fee. Plus, as a traveller, I can really appreciate the airport lounge pass. After all, who doesn’t want to feel like a VIP? 

Another thing to note, if you are thinking of switching over to Wealthsimple from your current bank, Wealthsimple will cover all of your transfer fees.

 

Wealthsimple RRSP Accounts and TFSA Accounts 

Wealthsimple offers a range of account types including:  

  • RRSP
  • TFSA
  • RESP
  • Joint
  • Business
  • LIRA
  • Personal
  • RRIF

Most Canadians are just looking for the easiest way to investment money within a registered account.  It is incredibly simple to open a Wealthsimple RRSP, TFSA, or RESP account. It can be done completely online, is almost instant, and after hooking up your chequing or savings account, you can conveniently set up an automatic contribution that puts your savings on autopilot.

No more worrying about RRSP season and last minute investment decisions.  Just a safe, simple, proven investment strategy that you can set and forget about until you’re ready to make a large-scale change.  While Wealthsimple obviously offers a wide variety of accounts, these three registered accounts represent the total investing activity for many Canadians, and are a main focus for Wealthsimple.  

If you have any questions about how the Wealthsimple RRSP or TFSA work, their online chat feature (or their old school phone assistance) will be able to efficiently answer any questions you might have about where to contribute or how to use the platform.  About the only questions their first line of assistance might struggle with is in-depth niche topic help for something like investment trusts. (If you don’t know what an investment trust is, don’t be alarmed – it’s very unlikely that you’ll ever need to.)

 

Wealthsimple High Interest Savings Account

Interestingly, Wealthsimple was the first Canadian robo advisor to offer a High Interest Savings Account (HISA). Personally, I’m not the biggest advocate for using HISA’s for long-term savings (such as retirement), however, for short-term goals like a vacation or buying a car, a HISA is a great option.

Right now, Wealthsimple offers a 2% interest rate for their high interest savings account. That’s a flat fee; it’s not a promotional rate, it doesn’t go away after a certain period of time, 2% is what you get. Additionally, there’s no minimum balance requirement (great for those just starting saving), and you’ll get unlimited transaction fees.  That 2% is about 1.95% higher than what you’re likely getting in your big bank chequing account, and 1.5% higher than what many big bank “savings accounts” offer.

While there’s no doubt that the Wealthsimple HISA is a good choice, one of the best advantages to Wealthsimple offering so many account options is that they make it easy to keep all of your savings and investments in one place, which in turn for you makes it easier to manage and keep track of.

The Wealthsimple App

Speaking of the Wealthsimple App, it’s actually pretty amazing. Launched in December of 2014, it was the first app of its kind; an app designed with the specific goal of making investing easier.

Wealthsimple describes their app as having a ‘financial advisor in your pocket’. The app allows you to get in touch with your wealth concierge at the tap of a finger, plus you can easily add funds, keep an eye on your asset allocation, and view your performance. 

On top of creating an easy and streamlined app, Wealthsimple also prioritizes privacy in their app. They go above the simple ‘create a password’ and allow users to use either TouchID or set a unique 4 digit passcode (for iphone) or lock pattern (for Android). This is true for both the Wealthsimple App and the Wealthsimple Trade app. 

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Wealthsimple Review: Is it Safe?

Because Wealthsimple is a still a somewhat new name to people, the most common question I get asked is, “Is Wealthsimple Safe?”

The answer?

Yes!

Wealthsimple is as safe as any banking and investment option in Canada.  They now have more than 100,000 clients from all over the world!auto traffic exchange

First of all, Wealthsimple is an online business. If they didn’t protect their customers, it would be an instant death for the company. As for how exactly they protect their clients? Wealthsimple uses bank-level security including a 128-bit SSL certificate. For those who are unsure of what this means, essentially it’s a program that will ensure that your personal information and passwords don’t get seen by prying eyes. 

Secondly, Wealthsimple indicates that they also use industry-standard backup programs and firewalls. These will prevent any large-scale problems from occurring as well as work towards backing up information automatically multiple times a day, every day of the week. 

Thirdly, your money invested with Wealthsimple is also protected by outside sources. When you invest with Wealthsimple, your money is insured by the Canadian Investor Protection Fund (CIPF) up to $1 million per account. On top of that, if you have a HISA with Wealthsimple, your money is insured by the Canadian Deposit Insurance Corporation (CDIC) for up to $100,000 (there is optional coverage for up to $800,000 per account, however, in my opinion, if you are keeping that much money in a HISA you may want to rethink your financial strategies). 

Finally, we need to remember the team behind Wealthsimple. These are career professionals who have years in the industry with reputations to uphold. The fact that these individuals have lent their names to the company also instils a strong feeling of trust. Additionally, Wealthsimple is made up of registered portfolio managers that have a legal fiduciary duty to clients. This means that, by law, they have to give recommendations based on the client’s best interest.

With Power Financial running the Wealthsimple show, there is no doubt that this company is in it for the long haul and is incredibly safe!  It should be noted that no investment company can guarantee the safety of investment returns. So within that narrow definition of “guaranteed investment performance” than Wealthsimple – as well as every other investment entity out there – is not 100% safe.  Your portfolio will always be subject to the general performance of the market, and anyone that promises you different is probably trying to illegally sell you something.

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Wealthsimple has provided me with a promotion code for readers to manage up to $10,000 free for a full year. This means you don’t pay any management fees for 12  full months as you test the platform out!try this top Canadian robo advisor. 

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Wealthsimple Review: Summary

Wealthsimple isn’t the only robo advisor in Canada, but I can honestly say that as of today they are easily the #1 choice in most situations. Here’s what I think makes Wealthsimple stand out in the field enough to be worth considering:

  • Wealthsimple is the largest robo advisor in the country
  • Wealthsimple has a $0 account minimum
  • Wealthsimple is CIPF-insured up to $1,000,000. 
  • Their website and app are incredibly user friendly
  • Wealthsimple will cover your transfer fees to switch over to them
  • Wealthsimple offers easy to understand interactive statements that break everything down for you
  • Wealthsimple is partnered with the Mint App
  • Wealthsimple allows you to invest in fractional shares
  • Wealthsimple automatically re-invests dividend income from your investments back into ETFs that have fallen below the portfolio target you originally set
  • Wealthsimple offers HISA accounts
  • Wealthsimple offers socially responsible investing (SRI) and halal investing

In other words:

OUR RATING:

4.9 / 5

Here’s the simple truth: Wealthsimple is the quickest and easiest way to take a piece of your paycheque every month, and automatically invest it into a diversified portfolio of ETF options from around the world.  I love the investment strategy, I love the simplicity of it. It’s not as cheap as opening a Questrade account and building your own ETF portfolio or purchasing an all-in-one ETF, but it is MUCH cheaper than traditional Canadian investment options.

Ready to start with Wealthsimple? Don’t forget to use our Wealthsimple review link to sign up today and save the fees on your first $10,000! 

 

Wealthsimple Trade – The No Fee Discount Brokerage

Everything we have discussed so far in our Wealthsimple review has been looking at an automated portfolio of basic index ETFs, and would be comparable to other Canadian robo advisors. However, if you are interested in trying to manage your own portfolio you might be interested Wealthsimple Trade. With this option, you make the decisions of how to invest; what to buy and sell on the stock market.

A brokerage account is where you will hold the money that you use to buy/sell stocks. Brokerage accounts with financial planners tend to cost more as you are paying for their investment advice and management skills. Online brokerage accounts, however, have much lower fees and allow you to buy/sell from the comfort of your home.  Wealthsimple Trade would be broadly comparable to Questrade as far as “apple-to-apples” comparisons go – although they have a ways to go before they challenge for my #1 discount brokerage award.

With Wealthsimple Trade, you can buy and sell thousands of stocks. It’s a relatively new platform, and still has a few bumps that they are sorting out and adding to, but one of the major draws of Wealthsimple Trade is that it is $0 commission, which means that they do not add any fees to buying and selling stocks. Most other online brokerage accounts charge for trades, so this factor definitely makes Wealthsimple stand out in the pack. If you are wondering that the catch is, and how Wealthsimple Trade actually makes money if they don’t charge commission, know that Wealthsimple does charge a +1.50% base conversion fee when you make US trades which. Considering that other brokerages charge about 2% on foreign trades, is very reasonable.

On top of the 0$ commission structure, Wealthsimple Trade also has a no account minimum, which makes it extra enticing to those who think they want to dabble with their own portfolios. However, it’s important to remember that this option is for those who know what they are doing. Buying and selling stocks just because someone told you to is not a smart investment technique. That being said, having the freedom to make your own investment decisions can lead to a bigger reward. Just remember to treat it as an investment, not a gambling experiment. 

Wealthsimple Trade has its own app, so you will need to download it as well as the original Wealthsimple app that you already use. However, your bank account will still be linked which means you can get started right away. 

 

 

The post Wealthsimple Review 2019 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO] appeared first on Million Dollar Journey.

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What Is Contextual Targeting, in the Context of Ads?

As Jerry Maguire formerly said — “Show me the money.”

That phrase is probably something you’ve thought of as a marketer who has invested in paid advertising.

With paid pushing, you want to enhance your market campaign by demonstrating up in the right place, at the right time, with the freedom content.

But sometimes, loping paid ads — like pay-per-click( PPC ) on Google — feels like you’re spending a lot of coin without experiencing any results.

Whether it’s because your ads are disorderly or need a redesign, most buyers dismiss ads online. In fact, 64 % of respondents in a HubSpot study said ads are annoying and intrusive.

Plus, 45% of beings report, “I don’t notice online ads anymore, even though it is I don’t block them.”

Contextual targeting is the solution to that problem.

Below, let’s review what contextual targeting is and the difference between contextual and behavioral targeting. We’ll also explore contextual keyword targeting and how to get started with contextual ads.

For example, if you’re flowing a neighbourhood marketing campaign for your coffee shop, you might create a PPC ad. Then, if someone who lives nearby is reading a blog about the best types of coffee, your ad might show up.

This is a good example of contextual targeting because Google employed the person’s location, so your ad is only showing up to people who are in the vicinity of your shop.

Additionally, in this example, this person is interested in coffee and wanted to read about different types of coffee, so an ad for a coffee shop isn’t disruptive to the user experience. This performs it most likely that they will respond positively to your ad.

So, what’s the difference between contextual targeting and behavioral targeting?

Contextual Targeting vs. Behavioral Targeting

While contextual targeting is done through matching keywords and topics, behavioral targeting is when ads appear to users based on their online behaviors.

Behavioral targeting could include browsing autobiography, relation clicked, time spent on the sheet or site, how recently they’ve probed for something, and how they engaged with a site overall.

Visitors with same motifs are grouped together, so advertisers can exclusively target a group of people with a certain browsing history. This is typically announced retargeting.

For instance, let’s say I was in the market for brand-new shoes.( And, let’s be honest — I’m always in world markets for brand-new shoes .) I begin searching for new shoes by typing in “running shoes” or “hiking boots.” I’m just beginning my investigate, so I don’t make a purchase. Later that night, I go on Facebook, and all I experience are ads for hiking boots and running shoes. That is behavioral targeting in action.

Let’s say I’m in that same situation — researching brand-new shoes. During my research, I start reading a blog on the best type of running shoes. On the right-hand side, I see a few cases ads for new running shoes, as well as a nearby flow accumulate in my area. That is contextual targeting.

But how does contextual targeting certainly succeed? One parole — keywords.

Contextual Keyword Targeting

Contextual targeting is done through keywords and topics — or center themes of a website.

When you get started with your PPC ads in Google, you can select highly targeted keywords and topics so your ad merely shows up on places related to those themes.

These keywords will define where you want your ads to appear.

For example, if you’re ranging an ad for boobs, you might select keywords like “dumbbells, ” “strength equipment, ” or “workout equipment.” Then, your ad would only show up on locates with those keywords.

You can also input negative keywords. In this case, you might include “barbells” as a negative keyword term, so your boob ad doesn’t show up when someone isn’t even searching for dumbbells.

If you choose to run an ad solely based on topics, instead of keywords, you might run that same boob ad and pick a topic of “health and fitness.” Going this route means that your ad will be less targeted, and could have little repercussion and fewer results.

According to Google, each ad group should contain anywhere from five to 50 keywords. You can use the Google Keyword Tool to help build your keyword list.

To build your keyword list, don’t use long-tail keywords like you might for organic campaigns. With paid marketing, you’ll want to use shorter, sometimes broader keywords.

So, what do contextual ads look like in action? Let’s review a few examples.

1. Coffeemaker Example

Roasty is a free blog that focuses on finding and brewing savory chocolate. While I was reading an article, “A Complete List of Every Type of Coffee That Exists”, I came across an ad for a Cuisinart Coffeemaker.

This ad wasn’t disruptive to my say process because it fit in well with the contents I was reading.

See image below for what the ad looked like 😛 TAGEND

Cuisinart Coffeemaker contextual targeting ad.

Image Source

2. Pizza Cutter Example

Kitchn is an online daily food magazine. While say, “How To Make Awesome Pizza at Home, ” I came across an ad for a pizza cutter.

This is a great example of contextual ads in practice 😛 TAGEND

Pizza cutter wheel contextual targeting ad.

Image Source

3. Delta Example

Recently I was perusing a Forbes article, “How These 6 Millennials Travel The World For A Living, ” when I came across an ad for Delta.

This is a contextual ad because I was reading an article about movement, and then I discovered an ad for an airline — it’s likely Delta chose “travel” as a keyword to target for their ads. Plus, the ad was even more targeted because it included spots closely connected to me in Orange County, California 😛 TAGEND

Delta contextual targeting ad.

Image Source

When you’re movement a paying advertising campaign, it’s important to be as specific as you can with your targeting options. Ultimately, your targeting can acquire or break-dance the success of your ad.

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