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Rideshare Insurance Options for Uber and Lyft Drivers

The rideshare industry has become a popular way for anyone with a car to generate additional income or create a freestanding career. In fact, full-time drivers made around $36,525 on average in 2018. 

While the extra cash alone is enticing for many, it’s important to consider all the factors before diving into a career with Uber or Lyft. These rideshare companies provide drivers with insurance coverage, but many drivers don’t realize that they aren’t fully covered from the time they get in their car to the time they hang up the keys. 

Rideshare insurance, typically purchased as an add-on to a personal auto policy, can help to protect drivers from potential gaps in coverage. However, rideshare insurance bridges these gaps in coverage and keeps drivers protected even before they begin their first trip. 

Table of Contents 

  1. What is Rideshare Insurance and Do I Need It?
  2. Rideshare Insurance Providers and Costs
  3. What if My Area Doesn’t Have Rideshare Insurance?
  4. How to Purchase Rideshare Insurance
  5. What Happens if I’m in an Accident While Driving for Uber or Lyft?

What is Rideshare Insurance and Do I Need It?

Rideshare insurance is a type of insurance coverage, typically purchased in addition to a personal auto policy. When driving for a rideshare company like Uber or Lyft, drivers may be left uninsured during particular times of their drive. 

Rideshare companies divide the duration of a ride into three phases or periods:

  • Period 0: The app is off and the driver is not logged in. A personal auto policy covers the driver. 
  • Period 1: The app is on and the driver is waiting for a request. Uber and Lyft offer limited liability coverage. Personal auto policy without rideshare insurance does not cover the driver. During this period, the driver may be without full coverage. 
  • Period 2: The driver has accepted a request from a passenger and is en route to pickup. Uber insurance and Lyft insurance provide full coverage. 
  • Period 3: The driver transports passengers from pickup to drop-off. Uber insurance and Lyft insurance provide full coverage. 

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Uber and Lyft provide coverage for certain periods, but do not provide full coverage for the entire duration of the drive. As a result, a gap in coverage during Period 1 could leave drivers vulnerable. Additionally, a personal auto policy does not provide the necessary coverage to protect drivers in these coverage gaps. 

Rideshare insurance purchased as an add-on to a personal auto policy offers the protection drivers need during gaps in coverage, particularly during Period 1. While Period 1 may be brief, a collision during this window could be costly to an uninsured driver.

While rideshare insurance covers the gap when drivers may be unprotected, there are other benefits to purchasing a rideshare insurance policy. Drivers may be able to write these expenses off when filing their taxes, recover the cost of any property damaged in an accident, and enjoy additional benefits provided by the company offering rideshare insurance like roadside assistance, safe-driving discounts, and insurance bundles. 

Rideshare Insurance Providers and Costs

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Allstate insurance offers coverage for rideshare drivers with their Allstate Ride for Hire policy. This policy is typically $15–$20 per month. 

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Erie Insurance

Erie rideshare insurance puts a “business use” designation on your personal auto insurance policy. This policy is $9–$15 per month. 

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Farmers rideshare insurance allows drivers to fill the coverage gap when they are logged into the app but haven’t accepted a ride. Since commercial use of a personal vehicle disqualifies the standard insurance policy, Farmers allows you to add rideshare insurance to this existing policy. The policy is around $150 per month.  

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Geico offers rideshare insurance that takes the place of a personal auto policy, meaning drivers can easily manage one policy, rather than a personal auto policy and a rideshare add-on policy . The policy is usually $150 per year. 

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Mercury Insurance

Mercury rideshare insurance can be added on to a personal auto policy and protects the driver from before they log in to the rideshare app to the time they drop off their passengers. Mercury claims that the policy add-on is as little as $6 per month depending on premiums. 

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Progressive offers ridesharing insurance as an add-on to personal auto policies in most states. In the states where a rideshare endorsement on a personal policy isn’t available, Progressive will petition for a commercial policy. 

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State Farm

State Farm offers an add-on rideshare policy to an existing personal auto policy. Rideshare insurance through State Farm typically costs 15–20% of the premium. 

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Travelers offers Limited Ride Sharing coverage in Colorado and Illinois — that’s it. This endorsement on an existing policy provides auto coverage after drivers open a mobile ridesharing app, but before connecting with a passenger.

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Though USAA is only available to veterans, military members and their families, rideshare insurance purchased through them effectively fills the gaps in coverage provided by rideshare companies. The policy is as little as $6 per month. 

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What if My Area Doesn’t Have Rideshare Insurance?

Insurance for Uber drivers (or those driving for similar rideshare companies) may not be available in every state through a current personal auto policy provider, but it’s still possible to get additional coverage. Consider switching to a provider that offers a rideshare policy add-on, or go commercial. Commercial insurance provides protection for any vehicle used for business, including a car driven for Uber or Lyft. 

While commercial auto insurance offers coverage to drivers without access to rideshare insurance, the cost of insurance may be significantly higher. According to TrustedChoice, the average commercial policy for a passenger car is $1,200 to $2,400 annually. 

How to Purchase Rideshare Insurance

Rideshare insurance is not a stand-alone policy. It is either an addition to an existing personal auto policy or a hybrid policy. Because it must be purchased as an add-on, rideshare insurance must come from the company providing personal auto coverage. 

Before applying for rideshare insurance, collect this information: 

  • Make, model and year of the vehicle 
  • Rideshare companies worked for (if applicable)
  • Average number of monthly rideshare drives (if applicable)
  • Average number of miles driven per trip (if applicable)
  • Copy of valid driver’s license 
  • Copy of vehicle registration
  • Copy of vehicle title
  • Policy number for current personal auto policy

Most major insurance companies offer a version of rideshare insurance, though coverage may not be available in every state. 

Approach the company providing personal auto insurance coverage to learn more about their rideshare insurance options. 

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What Happens If I’m in an Accident While Driving For Uber or Lyft?

During Period 2 and 3 (from the time the driver matches with a passenger until the driver drops the passenger off), coverage offered by Uber insurance and Lyft insurance varies depending on the scenario: 

  • For rideshare drivers who cause an accident, both Uber and Lyft provide coverage up to $1 million in total damages.
  • For rideshare drivers who are in an accident caused by another driver with little or no insurance, insurance for Uber drivers covers damages and injuries up to $1 million. Lyft insurance coverage varies by state. 

It is also possible to draw on comprehensive and collision coverage from Uber and Lyft insurance as long as the personal auto policy includes the same coverage. However, the deductible may be high and the policy only applies once a ride request has been accepted or when there are passengers in the car. 

During Period 1 (when a driver is waiting for a ride request), a personal auto policy is most likely responsible for coverage. For rideshare drivers who cause an accident during this period, a claim should be filed with their personal auto insurance company unless state law or the rideshare company’s policy states otherwise. If the personal claim is denied or only partially reimbursed, the rideshare company’s coverage begins. However, coverage from the company in this scenario is limited and may not cover drivers fully. 

In The Event of an Accident While Driving For Lyft 

Lyft insurance covers rideshare drivers in Periods 2 and 3 of the drive. During Period 1, drivers could be at risk of limited or no coverage if they do not have a personal rideshare insurance policy. 

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While Period 1 may leave rideshare drivers at risk of uninsured damages, a separate rideshare insurance policy gives drivers the protection they need. 

In The Event of an Accident While Driving For Uber 

Insurance for Uber drivers offers slightly more coverage than Lyft, though drivers are still at risk during certain periods of the drive.  

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For those considering a career or side job (ride-hustle) as a rideshare driver, having full coverage through an insurance policy is key to avoiding costly damages in the event of an accident. While rideshare companies like Uber and Lyft offer their own insurance, these policies do not fully cover a driver at all times. 

A separate rideshare insurance policy added to a personal auto insurance policy provides the protection drivers need, from the time they log onto the rideshare app to the time they drop off their final passengers. 

Related links:

What are the cheapest car insurance companies?

What is the best car insurance for those with low income?


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HR Tech Weekly: Episode #235: Stacey Harris and John Sumser

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Hosts Stacey Harris and John Sumser discuss important information and topics in recruiting and HR technology. Listen live every Thursday or catch up on full chapters with transcriptions here.

HR Tech Weekly Episode: 235 Air Date: September 19, 2019

This Week

Strategic HR, Ceridian, Workforce Planning, ADP, Oracle, Research, Funding, George LaRocque, HiringSolved, Indeed, Linkedin, Nextgen HCM, Wisely, and HR Snowflakes.

Updates from ADP Invention Event ADP Launches Wisely Now and the myWisely App Link >> Ceridian Hires Bill Crawford as Chief Value Officer Link >> Updates from Oracle Open World Microsoft and Oracle to Interconnect Microsoft Azure and Oracle Cloud Link >> DailyPay Creates Overdraft Fund for MyPayrollHR Victims Link >> UNLEASH Announces HR Technology Analyst George LaRocque as UNLEASH America Event Director Link >> Indeed: AI job-posting frequency slow-going and interest dips Link >> LinkedIn launches abilities assessments, evaluations that let you beef up your credentials for racket hunting Link >> HiringSolved Link >> Nextgen HCM Link >> Topics: Strategic HR, Ceridian, Workforce Planning, ADP, Oracle, Research, Funding, George LaRocque, Hiring Solved, Indeed, Linkedin, Nextgen HCM, Wisely, and HR Snowflakes.

Other News this Week

Beekeeper elevates $45 M Series B to become the’ Slack for non-desk employees’ Link >> AppLearn Secures $25 Million Commitment from K1 Investment Management Link >> Mark Hamdan, founder and onetime CEO of HRSmart, affiliates Insala as a partner in accelerating proliferation for this leading employee career lifecycle answers merchant Link >> Xerpa territory US $12.9 million to expand HR technology, explore fintech Link >> Introducing GrokTalk: Grokker’s New Member-to-Member Communication Feature Link >>

About HR Tech Weekly

Hosts Stacey Harris and John Sumser discuss important bulletin and topics in recruiting and HR technology. Listen live every Thursday at 7AM Pacific- 10 AM Eastern, or catch up on full escapades with transcriptions here.

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Important: Our transcripts at HRExaminer are AI-powered( and reasonably accurate) but there are still instances where the robots get baffled( or particularly muddled) and offset inaccuracies. Please expect some blunders as you read through the text of this conversation and let us know if you find something wrong and we’ll get it specified right away. Thank you for your understanding.

SPEAKERS John Sumser Stacey Harris


[ 00:00: 13] Today’s Show is brought to you by the Human Resource Executive Magazine’s HR Technology Conference and Exposition hampered October 1st through 4th at the Venetian in Las Vegas. Join me and thousands of your colleagues at the world’s largest show of HR Technology. Act now consuming the code HREX and you can receive a $300 dollar discount on your ticket.

Thanks. We’ll “ve seen you” there. And by the way, don’t miss the Women In Technology segment.

[ 00:00: 47] Good morning, and welcome to HR Tech Weekly, One Step Closer with Stacey Harris and John Sumser.

So get out your ukulele and start singing songs.

[ 00:00: 59] Stacey Harris: No, I don’t think you do not want me to me inside and emphatically not only illegal but I am in Hawaiian visiting my son who is located over here and the prime island of Oahu. [00:01:09] And in the area of Honolulu and it is five in the morning. So there’s no sun glistening on your not saying any beautiful ocean ideas from where I’m at, but I hopefully will buy, you know for five hours from now, so that is my goal. But it is that I was able to fly in yesterday and get a chance to see him and I hadn’t seen him for almost a year now. [00:01:29] So what’s your delivery and you know, we roam a lot John but there’s a few benefits and some of them is getting to see some clas on our space over traveling. So and you are you home this week. [00:01:39] John Sumser: I’ve home, you know last week we transmitted review reports off to publishing and I’ve been editing the pieces as they come back and I’m preparing I did a great webinar on introduction to AI yesterday for lrp. [00:01:57] That should be pretty easy to find out there[ 00:02: 00] and I’m getting ready for these talks next week and the week after next and having a great time. [00:02:06] Stacey Harris: Yeah, well, I I got myself a lot to publishing last week as well. So I had a little bit of breathing room. All I was coming laid down by and I will have a big flight dwelling on Sunday night to go through all my revises and changes everything. [00:02:19] So I agree. There’s definitely got to be Time bacon for that. But I review a little downtime right before we get into the craziness of HR check is isn’t necessary. An major step to pluck all the things that we’ve learned is is this a years experiment together. So that’s my approach to it this year. [00:02:37] So. [00:02:39] John Sumser: Boy, I think that’s right. I think that’s all right. It’s really it be interesting to try to think about how to describe what we learn as we go through this sort of annual hertz you and I coz coz coz for me my understanding precisely goes deeper and deeper with every[ 00:03: 00] flake of studies that I do and I acquire the same thing is true for you. [00:03:04] I believe that’s why you’re in the process of writing. Angry basic intro verse for HR textile. [00:03:13] Stacey Harris: It is I’m I am on a bible that will that will sort of clothes or the primer of HR technology? And it is part of what I’ve learned now each year with the you know , is not simply the survey results and the labor we do here at Sierra Cedar but too all the conversations mean you have on the radio reveal and all the conversations. [00:03:32] I have and all the various merchants and said this week, you know in the last two weeks you and I have been at ATP and we know who the fuck is going on this week. The thing about I think this industry that adjust continues to fascinate me and I had an opportunity to sleep to actually talk to a marketing analyst and a commerce analyst who read an event together who had very different takes on what their personas were and the their sort of their capacities were to sort[ 00:04: 00] of taking information and just sort of report out the things beings should be thinking about and I said what we’ve had in these are infinites that we do that we take in information and report on what they do should be thinking about but often times we’re all. [00:04:12] Trying to figure out. Where you know how people are fitting all these pieces together. It seems to be much more clear and both of those other industries that how all this fits together. It’s just a matter of how “youre using” it, but they’re trying to figure out sort of a better exchange around I think in the HR space the big-hearted publish is. [00:04:34] What even belongs in this industry and how does it fit together? It’s a much more at the much lesser much Messier HR technology or engineering situation over likewise probably a long way of saying that [00:04:47] John Sumser: you are aware, well, you know for my money you start with with the fact that HR is never HR right? HR is always a thought of the business that the[ 00:05: 00] fellowship is in. [00:05:01] And so in places where there’s flora chance and then real safety issues HR often has a doctor on its staff and moves flower safety and health care programs and and where it doesn’t it doesn’t do that. It does interesting thing and and so you get different feels you have to have a more conservative HR approach when physical safety is the fundamental question. [00:05:29] Then you do when Innovation is the fundamental. [00:05:34] Stacey Harris: And I think you put your you know that as well as you near it, and I think what is the most important thing it is very business focused which realizes it a much less standardized sort of piece of what would be generally considered supporter runs in arrangement. [00:05:48] Right and that actually get us to a think some of our conversation today because that was a lot of the conversation while we were at the ATP event and the they did their annual adviser revise episode in New York. They[ 00:06: 00] have a couple of them each year but the one in New York is all. Sun setting the minister very things they’re doing and a big part of their focus. [00:06:06] This year was they’re trying to make an HR System. I remember, you know whether or not this look seed will get to see in but that I think is the closest that has come yet to focusing on this idea of HR as a business conversation not HR as they HR process exchange, right? Right, right. [00:06:22] John Sumser: There’s this there’s this idea. [00:06:25] I guess I think that the. The thing that that’s hardest to get right about how things work in the industry is there’s this idea that every company must have a single clear compelling sense at all times and that every HR environment should be the same. And and so that’s to me that’s the sort of operating theory that you run into in. [00:06:51] The world is the bigger that you get and the more successful that you are the more complicated. You become. And so having a[ 00:07: 00] single message when you have you no more than 10 trillion dollars in marketings and more than 10,000 employees. The meaning that you can have a singular message is nonsense because because you do so many things for so many different beings and so many different contexts that that reducing it to that single content is is where the mistake it’s made. [00:07:26] And so I think we I think we see that around this and this time of year you and I expend our time with big companies. [00:07:35] Stacey Harris: We considering we determined a experience of big companies, but I think we too centered him with a lot of data that’s telling us that not everybody is in the same place. Right? It’s one of the reasons I envisage why when you look at any other support area, the majority of them are congenitally support their technology with a series of admins who are just technology admins, right? [00:07:54] HR is one of the only support operates that has developed or you know out of it have kept growing[ 00:08: 00] and HR technology. For also a character that fits in a pot that is specifically has a title for this on Technology support and upkeep and implementation. None of the other functions have done that to this point because I don’t think anything of the need is not right and so we are unique in that them said their the complexity the connection to the business the operations element all of that leads-in itself, I think to to a much deeper, you know determined of HR technology situations than most other boasts. [00:08:31] Since ask so yeah, and it devotes good conversation whether you’re big company real fellowship, right? [00:08:36] John Sumser: Yeah. I review I think it’s going to get even more complex, you know between between Ai and the rest of the magic that you can do with company data that HR Tech person is going to have a. I don’t know if it’s a boss or a traitor or a direct report, but there’s going to be[ 00:09: 00] individual at the heart of the HR department when you’re over a certain scale whose task is to manicure and gather the data about the labour force that HR stitch on and that’s that’s an extraordinarily different thing from making sure that the payroll system projects, right? [00:09:24] Stacey Harris: Anyway, and I don’t think somebody’s are truly ready for this. I necessitate GDP are required a tooth data-role someone who is responsible for the ownership of data that sat outside of any individual function and I don’t know if that’s the same person you’re talking about but it time having someone who owns the data about knowing your customers, but too your employees and what can and can’t be done with that is still such a new idea for Mojo. [00:09:52] Innovations and the majority of them I know is looking at someone had bring out a list and said you could kill a lot of them are certain devoting it to the IT department as a[ 00:10: 00] role and that’s definitely I don’t think not the right answer right but extremely located off of what you’re talking about and it doesn’t feel like it equips in finance and HR should probably the room where you’ll view a lot of it go overtime, right? [00:10:14] John Sumser: Well in the end the and the questions are all organizational questions, truly the things that you can see about the health of the overall arrangement from the data that work processes and the people inside of those work processes generate is is astonishing and it is a whole system’s kind of question rather than the transactional nonsense that operations days to see. [00:10:42] And so so I mull I think this this can’t be anywhere other than HR and it’s going to be it’s going to make a huge difference in what the field is just will alter HR in a way that all of the talk over the last decade[ 00:11: 00] didn’t come close to [00:11:02] Stacey Harris: doing what where reference is. Talk about expertise administration or when we talk about experience or when we talked about the conversations that that came out about, you know, the business partner wheels, right? [00:11:14] An HR all that was about sort of fixing a sensing or a you know, a role that HR help the transformation will be about reassessing the the actual sort of goal of HR inside your purpose. I belief which will be very different. [00:11:30] John Sumser: I conclude the thing that I learned this year and all the research. The one thing that really adheres out is you can’t have a proactive HR department without a strategic Workforce plan. [00:11:41] You should we camp it’s just reacting to whatever happens until you have a clear direction of where to go and so tactical workforce meaning. It’s a complicated theme. But but but the essence of trying to figure out what the best strategy is to take your.[ 00:12: 00] Workforce into the future. I think that starts to become the primary question in HR very quickly. [00:12:08] Stacey Harris: Vern music got this week actually matches very well into the conversation. You’re having their about the workforce planning. I intend, we’re going to talk to me a little both you and I attended UDP event, but I likewise attended the Oracle openworld event and I think we got some interesting stuff going on with this. [00:12:24] I think what you’re talking about the companies, who do you work for playing versus those who don’t is almost a tug-of-war between all the persons who as you said, bhr strategically and “re doing it” through jiggly versus those who don’t we have also a duet floors. Think about I remember companies that fall in that letter Country as well. [00:12:40] So there was a scandal out New York of a smaller payroll company, but is there really any Pharaoh company when it’s considering someone’s checks my payroll HR that had gone belly-up and it being the owners had made fund that was supposed to be paid out in payroll the hover coin that you go through a payroll process with and[ 00:13: 00] took off with it. [00:13:00] So there’s another company announced daily wage that is I guess, you know providing some succour for that or at least provide. Exam ability to access early money until that coin is also available remunerated and brought back into people’s notes and everything. That’s a discourse about you know, tactical HR. [00:13:16] Did you have the right technology to support the workforce that you have? And did you do your monetary sort of background checks on some of those companies right also have the rhydian hbm. Once again in the news announcing that they have hired Bill Crawford as the leader in value policeman or the organisations can expecting is a sales place. [00:13:34] I ever affection the designations they give people but they’ll cross. Was devoted 21 years with atp’s their major VP of marketings, so it’s probably an interesting conversation. We have a couple about these update from the events that all of us are will be attending over the next couple of months one is from a rope loose hiring. [00:13:52] George Soros is a good friend of all of ours to run the America event as a director. We likewise have exhausted the coming week of the[ 00:14: 00] stunning new technologies roll at the LR P. HR technology forum that you and I will be at will be launching both of our brand-new investigate efforts at so there’s probably some interesting discourse there because there’s some epithets on this awesome new article Engineerings. [00:14:11] That we just talked about 80 a Leo items capability paycheck stay calm and Thompson’s online benefit. Then we have some funding that can about this week beekeeper, which is switzerland-based but they have the u.s. Departments communication scaffold collected 45 million lines B for their non-deaf employees communication collaboration tool a program that numerous beings might know that supports an adaption technology or technology that are contributing to kind of the wall. [00:14:37] Through of learning and accessing your various engineering homes received 25 million dollars this week for an investment and I’m not going to say this correctly but clay be a grounds Ser PA. I’m not sure that’s how you stress it fostered twelve station nine million dollars to expand their HR technology surrounding their fellowship out of Brazil, which I think we haven’t talked a lot about[ 00:15: 00] business in the South American market and if we have time the the vectors on this morning, we have the 65 fellowships. [00:15:07] Recognized by the candidate experience and Excellence have been announced run by the group. That is the candidate experience or candies Apportions program. And we also have some interesting conference on big-hearted handouts this week getting ready for the HR Tech contests, including higher solved area. [00:15:23] Basically launching their brand-new liberate of a strong recruiting automation software and some interesting things being done by surely launching something called. Same with a lot of recruiting space all the things you were talking about this counter that I only talked about payroll for hrms collaboration Engineerings with creating Technologies all in the last two seconds. [00:15:44] And that’s just half of the news articles that came out this week today. It’s crazy to kind of keep it all connected. Right? [00:15:50] John Sumser: Well it’s and you know this time of year it rains word like like. Portland Oregon and California and Northern California, rainy[ 00:16: 00] season, it exactly doesn’t stop and you are aware, there are there are 450 or 500 merchants at the HR Tech consultation and they’re Years too peaked right now. [00:16:14] So they are they’re coming out with their ideas and the new ways of talking about their old-fashioned ideas and you get this by the news. So, let’s see if you [00:16:24] Stacey Harris: need your professional. How do you design that? Right? So [00:16:30] John Sumser: yeah, yeah. Yeah, so so so which one do you want to affect first? We’re going to get a couple I would [00:16:36] Stacey Harris: be interested in your perspective. [00:16:38] I think some of these discussions about what’s happening in this reading. To the heart of your speech about Workforce strategy you and having a Workforce plan this new sort of automation from hiring solved that to me seems like an interesting, you are aware, another recruiting formation presumably automating the banking process at[ 00:17: 00] the same time that we’re construing companies like Indy, which is a recruiting for the job board launching what they’re call steam by really which seems to be a guild evaluation capability at this. [00:17:12] Sometime that LinkedIn is also launching a talents assessment and test is banking turn right exactly a parallel purpose. Is that what everybody’s trying to do? Just I mean there’s always been the sort of get the people through the funnel that’s better than figure out if they’re the freedom equip but it seems like matching in the conversation is coming up over and over again and all these new fundings and news releases. [00:17:35] Is that the this year’s biggest communication either? [00:17:38] John Sumser: You know, you know in in recruiting 70% of the venture capital investment in AI in HR taxes going into recruiter. And so so there is all sorts of interesting stuff going on that that is automation relevant. The sentiment[ 00:18: 00] that you can have a better matching capability is is one of the great question. [00:18:09] And and so the conjecture is that you can get to the sourcing process with a short list of better quality people than you used to be able to get and and folks are spending a lot of time and money trying to make sense out of what actually is good scoured accord criteria, and the problem is that neither job descriptions nor resumes are. [00:18:36] Actual papers. It’s about commerce documents and [00:18:43] Stacey Harris: dead. [00:18:44] John Sumser: Right? And so the idea that you can compare the marketing document for person or persons in the marketing document for a task and get a match is interesting. It’s interesting. I’m not sure that we have data[ 00:19: 00] more about how it runs and I’m not sure how you’d is starting. [00:19:06] Stacey Harris The interesting thing and then is to on top of the resume compute more assessment abilities, which is why I think we’re hearing so much better about rating so that you can get beyond the marketing tools which is which is what the resumes right, but I’m not sure that works either but it’s a it’s a next grade as it’s definitely trying to get it from a different inclination, right? [00:19:26] John Sumser: You know part of the research that we did this year was that was joint project with an Enterprise customer and they constructed a unit who talking about here 45 different identity analysi companies and their conclusion their conclusion after demoing all those products and talking to all those people is that there’s no correlation between personality and activity, right? [00:19:53] And and that that that while the owners and operators of those companies to agree job talking about[ 00:20: 00] what they’re doing the sales people generally don’t understand what they’re selling. And so so so the market reality of whether or not these additional things conclude. Recruiting better or worse is is I think it’s a complicated Mosaic of hundreds of different kinds of merchants offering different kinds of things and I don’t know how you cut through the sound. [00:20:27] I just don’t know hitherto. [00:20:28] Stacey Harris: Well and that I think is one of the things that we’re hearing from the buying Community is that you know, they’re all trying these different approaches and and they’re trying to see which of them work for them. And and I think it gets back down again, extremely. Well, perhaps each type of business organization. [00:20:44] There is a different approach that works for them better. Right maybe not correlated across several levels of different types organizations and different Industry. There are some that might work better than others in your culture there some are better than others near industry. And but I think that was emphatically the content I examine this[ 00:21: 00] week from the two large-scale occurrences that we went to which was adp’s event and oracle’s occurrence ATP peculiarly. [00:21:06] I recollect for anybody who has been watching what they’re doing the big edict from them at the adviser phenomenon and they don’t know that was an announcement. I envisage beings have known as been going on but I think they’re eventually ready to start showing it is what they’re calling their next Generation HTM hrms or each applicant HR application, which is filled to me is a structure that’s is built around teams and Team Management. [00:21:29] With a bunch of apps videos blotted in that are focused on exceedingly operational things for a company but to your point, I conceive their perspective is that everybody will pick the kind of app they crave inside those lotions based off of what they need and that there is too many for them to be able to tell you what’s very best app for your individual party, right and very much their glances. [00:21:55] Enterprise hrms will be a competitor to what is out there today. The[ 00:22: 00] Enterprise a German space and the areas such as working and Oracle and sap and the eventual since radians and all the other sister have fallen to their bucket. Yeah, I explained that. Well, what do you think? There’s a better action to explain that John is big. [00:22:12] Is that what you told me? Well, [00:22:14] John Sumser: the interesting thing is ATP ATP is so large-hearted 800,000 customers what they see is the same thing that you and I have been talking about today in the demonstrate. This is that HR isn’t the same from place to place a charge is a different thing in these different place. And so the kind of tool that you have to build if you’re going to build a. [00:22:38] Little tool to serve our HR has to be incredibly tailorable and what I’d like what was really interesting about what they did is they said they said, you know what we have the org graph information and we know lots of stuff about everybody is a ground floor of the organization the way[ 00:23: 00] that the organization actually wields. [00:23:03] Isn’t the org show. It is some ad hoc series of squads that are deployed over season and what you should be able to do with your HR System. Is rapidly changed the teams that you manage and be able to look at measure monitor understand those squads as they actually are not as they appear in the org plot because your turn is a slow-moving thing and the company’s ability to adapt to the marketplace is a fast-moving thing. [00:23:32] And so so they furnish this view of of HR and they volunteer this very. I make strong belief that their clients are capable of understanding what they want and navigating to get onto that that maybe isn’t shared everywhere [00:23:51] Stacey Harris: and I think they take this view all the way down to Consumers to the employee with well. [00:23:55] I convey one of the things that they are at best a lot about which probably made me the[ 00:24: 00] most is the wisely work that they’re doing so they have a wisely app which kind of wrap together what used to be their sort of. Card business is really come payroll check that the human rights of a payroll placard charges. If you’re a nun Bank individual and some of their business education components that they had bought a duo other things. [00:24:18] They accompanied them all under the wisely brand as a comrade lotion, which is basically for unbanked beings apart to have a electronic banking milieu and instead of. Focusing on the businesses as this being a tool for them and moving financing of the, you know funds for payroll through kind of the pattern that we are presented in payroll these days they’re using wisely as an instrument for the end users to manage their coin better title to be educated on how to manage their coin and do have their own bank account. [00:24:51] If they have no other style to get a bank account in the environment that they’re in and that’s again. I think that it’s the same framework you’re talking about. Taking it all the way down the employees.[ 00:25: 00] Well, right give you options give you education and let you sort of have appropriate tools. We need to do it if you miss it. [00:25:06] John Sumser: Okay, right. Yep. It’s a it’s a complicated world-wide and it would be nice if it would be nice if it was always easy to simplify the complexity. It’d be really nice. Well, [00:25:19] Stacey Harris: I think that’s the content. I got four more has also the the I get ATP one, you are aware, Thursday and Friday hopped on a flight the next Monday and end up at the Oracle openworld environment their take on all this and the word that came out of there and Bank was eponymous autonomous. [00:25:35] Autonomous the big-hearted Focus was that. Oracle is creating implements and hardware and software things that will automate based off of what they have seen most people do over and over again that their servers and their engineering as well as our HR environment. They’re going to automate as much as possible to reduce human error and that I think is a different story because[ 00:26: 00] the other side of the picture that we’ve been talking [00:26:03] John Sumser: about, right, which [00:26:05] Stacey Harris: is what. [00:26:06] John Sumser: Oracle guesses at the core of its existence Oracle believes that there is a single route to do HR. You know what Joe and so so they they get all of the instead of instead of what ATP does which is kind of a given approaching to technology Oracle. Does this constant consolidation of technology to got to get a primary fib and that about right? [00:26:32] Stacey Harris: Consolidation with a great deal of configurations that they went out I think some very interesting tools that allow you to do highly configurable environment. Very sort of editable workload things that go beyond what I was doing some other engineering homes in the infinite, but it is yes the idea is that if you use the Oracle world, you can automate more of this than you’ve ever[ 00:27: 00] done before and by automating it there is a standard way to do a flask then right and it even if he’s got kind of configurations that are different the idea is that you want all your data and you miss your access to your data and you demand your tools to all speak the same. [00:27:14] Instead that once you get to a quality where you’re ready to automate it can do it, right it is this belief that there is it that that we can automate inside of a company now, what do they belief every company is the same or they’re creating enough flexibility that you will learn what your company needs and then you can automate with your fellowship. [00:27:31] I think that’s probably a little up in the air so. So [00:27:34] John Sumser: we could we could waste some serious season on this. You [00:27:38] Stacey Harris: known better [00:27:39] John Sumser: the ATP Oracle compare and contrast is a pretty interesting pretty interesting topic because they actually have to seem to have actually different viewpoints of what the business is who the customers are and how you approach it and that’s interesting. [00:27:57] I hadn’t really “ve thought about it” before but that’s that’s[ 00:28: 00] a it’s a really good comparing. [00:28:02] Stacey Harris: And and More Than People probably think they have some overlapping hypothesis. Right? A batch of organizations who are doing Global payroll with ADP are also squandering Oracle produces and other areas, right? So there is some people would think they’re two separate purchaser bases on General but you know, although ATP is in witnes very often. [00:28:23] It’s just the SMB and that is the you know, the bulk 600,000. Make-ups on their should have hundred and Below employee size concoctions, but the remainder of their organizations are unquestionably in that Enterprise space and that’s a lot of the space for Oracle place as well. So yeah. [00:28:39] John Sumser: Yeah. Yeah, we will have to walk to dwell on that a little bit more someplace out in the future. [00:28:44] So so next week is the week before the torrential cloudburst of story on everybody at HR Tech. It’ll be an interesting conversation. I think this was a good one. Thanks for taking the time to do it. Is in the enjoy Hawaii, [00:28:59] Stacey Harris: will I’m very much. So expressed appreciation for and hopefully you will get a little bit of remainder before the the craziness starts and we should I is looking forward to won’t be doing. [00:29:08] We’ll be doing a special agent big-hearted weekly show at me HR tag event on Friday after everything wrappings up. So that’s probably something for beings that have to keep on their calendars as well. [00:29:18] John Sumser: So let’s right cool. Okay. Thanks for doing this. They examine another enormous conference and thanks for everybody for aria in. [00:29:24] You’ve been listening to HR Tech weekly One Step Closer was Stacy Harrison Jones Hunter. See you next time.

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An Update on Goal-Oriented Paper Planners and Some New Recommendations

A couple of years ago, I wrote a very popular article about goal-oriented planners, in which I reviewed a dozen such planners, pointed out who they were useful for, and then identified the one I was using at the time.

Since then, readers have pointed me toward a number of additional goal-oriented paper planners and I felt like it was time for an update to that original post. I wanted to do this a little earlier in the year so people would have time to look at a few and think it over before buying one for the new year, as many of these planners are year-long planners or otherwise oriented toward a calendar year.

Let’s start from the top.

What Is a “Goal-Oriented Planner”?

As I noted last time, a goal-oriented planner is basically a paper planner that integrates features that encourage you to make steady progress towards larger goals in your life. This usually includes specific features that revolve around daily evaluation and review of your goals and a regular deeper review of those goals (often weekly, but not always). Different planners approach this in very different ways, and in my experience that means that different goal-oriented planners work really well for specific people.

Although such planners have a deep focus on goals, they also usually function as a normal daily/weekly/monthly planner as well, incorporating the usual features like an appointment schedule and to-do lists.

It’s also very important to note that the value of any planner, goal-oriented or not, is directly correlated to how much effort you put into it. If you make a conscious effort to actually use the features of the planner and make sure to record everything of note in there – all of your appointments and to-dos – you’ll definitely invest some time, but the planner will become extremely useful for you. If you don’t, then it won’t be particularly useful and you’ll find yourself dropping it. Almost every planner can work for almost everyone if they put in the effort to turn it into a useful tool; I’m just trying to find ones that work well for me and identify who each planner would be useful for.

Why a Paper Goal-Oriented Planner? Why Not a Digital Tool?

I use a paper goal-oriented planner in conjunction with a digital to-do list and a digital calendar. There are several reasons for this.

First of all, paper planners work regardless of whether my phone has a charge and regardless of whether I have internet access. They work pretty much anywhere and everywhere I have a little bit of light and a pen.

Second, the process of writing is a reflective one, which is what I want out of a system where I’m thinking about my goals. I use digital tools when I just want to retrieve information. Whenever I want to think about something, turning it over and perhaps embedding it in my mind, I want to use paper tools.

Because paper tools are good for thinking and reflection and learning, and digital tools are good for organizing and retrieval, I find that they work hand in hand in my life. I want my paper planner to be a tool for thinking and considering, and then I take elements from that and put it in digital tools that are useful for just telling me what to do and where to go so I can put my focus on the task at hand.

What Features Do I Look For in a Goal-Oriented Planner?

After using quite a lot of goal-oriented planners over the last few years, I’ve found that a few features are almost required for me in a goal-oriented paper planner that I’m going to use every day, and a few more are highly desired.

First of all, there must be a single-day view that includes an hour-by-hour calendar and a to-do list, or it at least provides space for me to make my own. This is absolutely required, but this is basic planner stuff. When a planner doesn’t have this, I’m probably ditching it.

Second, there needs to be a place to set a small number of top priorities for the day, or some space I can use in that way. I usually have one to three key priorities for a given day and I really want space to list those priorities. The thought process I go through when figuring out that priority is where the real value is, and setting it down on paper gives it a tangible nature that helps me to follow through with it.

Third, there needs to be a place to reflect on my goal progress for that day and, ideally, space for things I’m grateful for. As I noted above, I use the paper planner as part of a daily review, usually before I get started in the morning and again at some point in the evening. That time is a “thinking time,” and these are key elements of that thinking. I want to review the things I’m working on in my life and then (ideally) be able to score them in the evening. I also want to list things I’m grateful for, which helps me keep my mindset abundant. Again, there doesn’t have to be designated space for this, but there must be room to make it happen.

Fourth, there must be some sort of space to do a weekly intense review of my goals. Once a week, I do a pretty intense review of my goals, what I did this week, and what I hope to do next week, and on a less-regular basis (monthly and quarterly), I do an even deeper dive into those things. The planner has to give me space to write down those things, even if it’s just a few blank pages.

Those things are pretty much essential. I find that if a paper planner doesn’t have those things, I’m not going to stick with it.

A Quick Look at the Ones I Reviewed Last Time

Let’s run back through the twelve I reviewed last time.

Bullet Journal is more of a free-form system for journaling, though you can also buy a pre-formatted printed version. I would recommend the Bullet Journal system to anyone who has very free-form needs for their planning and wants to incorporate a wide variety of notes and lists and subsections of their own design.

Momentum Planner, at the time, was a printable journal very focused on breaking down large annual goals into progressively smaller pieces. You broke annual goals into quarterly ones, quarterly into monthly, monthly into weekly, and weekly into daily. I would recommend Momentum Planner to highly goal-oriented people who value breaking down their goals, though it works best paired with digital tools, particularly a calendar. (I’m going to come back to this one later.)

Panda Planner is pretty much the blueprint for goal-oriented planners, in my opinion, and it was the first one I used regularly. The Panda Planner would be my default recommendation to anyone who wanted a goal-oriented journal and wasn’t sure what to make of some of the other more specific recommendations.

Rituals for Living Dreambook and Planner is really good at guiding you from a vague idea of a better future into having tangible goals that you can work toward, and that’s exactly who I would recommend it for. If you know you want a better future and have some nebulous but disorganized ideas, this is the goal-oriented planner for you.

The Mastery Journal is very focused on establishing a daily routine of action and seeing it through. It’s good for someone trying to establish a lot of daily habits, but I think it really shines for creative types who need to complete a big project and need a daily structure to see it through. I’d point someone who was working on a novel or a big programming project or a sculpture or something like that toward this journal.

The Simple Elephant Planner was probably the simplest goal-oriented journal I looked at. It seemed perfect for people with moderately busy lives who really just wanted to hammer down on one or maybe two goals in their life.

The Daily Greatness Journal seemed very oriented toward coaching toward a specific goal, and that’s fitting because there are several variations of this journal for specific goals like healthy habits and parenting. I would recommend this journal to people who have a specific goal in mind and really thrive on coaching and nudging toward that specific goal.

The Passion Planner is an excellent all around planner and would probably be my default choice for someone who perhaps works from home and doesn’t intend to carry the planner around a lot in their bag, as the planner’s physical design won’t hold up to extensive travel. If that’s you, this is probably the planner of choice.

The Get to Work Book is pretty clearly designed for people who are already pretty goal oriented. You won’t find a whole lot of guidance in this planner, but it’s very sturdy with a nice spiral binding, and if you want a goal-oriented planner but you don’t need much hand-holding and just need space to review and process goals, this is a really good choice.

SELF Planner is absolutely perfect for someone who has a handful of very specific goals they want to achieve over the next quarter. It is all about knocking a handful of 90 day goals out of the park and is oriented entirely toward that perspective. If you are tuned toward three month (or so) goals and just want something that will help you keep moving forward through them, this is an excellent choice.

The Ink+Volt Planner is perfect for people who are mostly happy with their life but want to experiment with making some smaller changes and seeing how those work out. It’s very oriented toward guiding people through thirty day challenges and trying out new patterns in their life. If you are mostly happy with your life but want to experiment with specific changes in specific areas, this one is perfect for you.

Full Focus Planner is probably the best choice for someone who is already incredibly busy but also has several goals that they want to achieve in their life. This one is clearly designed for the type of person who always has a ton on their plate but wants to make room for more. If you’re the type who has some goals they want to achieve but is incredibly busy and is struggling to find room for them, this one’s basically made for you.

My conclusion was that without knowing much about your specific needs, I would recommend Panda Planner. Having said that, at the time, I personally chose to use the printable version of the Momentum Planner, and I used it for at least a year after writing that article. To be honest, however, I could see myself recommending any of those twelve to someone if I knew more about their specific needs.

If you want to know more about any of these twelve planners, I strongly encourage you to hop back to my original post on goal-oriented planners, which covers each one in detail.

So, what’s new? Since then, I’ve taken a deep look at six additional planners. Did any of them replace my previous choice? Let’s dig in.

Define My Day

The Define My Day journal is literally a four week journal. It’s a paperback spiral-bound journal that’s focused on month-long goals, things that can be achieved in four weeks. It focuses in on that idea with a laser beam.

The journal starts out by having you define your goals for the month in a number of spheres in your life and laying out what your ideal day looks like. From there, it moves on to four largely identical week-long sections oriented around defining a handful of milestones you want to achieve for the week, a two page layout for tracking “daily disciplines” (i.e., habits you’re wanting to establish) over those seven days, a page that’s solely a to-do list for the week, two pages for each day (one for the morning to define the day, then one for the evening to review it), then a page to review the week. This repeats four times, followed by a two page monthly review and a bunch of pages for notes.

In other words, this planner wants to put you in a cycle where you define monthly (actually, four week long) goals, break them down into weeks, break those down into days, and then go through a planning and then a review cycle for each of those things.

This journal does a really good job of that specific task. If you’re very oriented toward month-long goals and 30 day challenges, I unequivocally recommend this journal for achieving those goals.

I really, really wish there was a 13 week version of this journal that was essentially three of these journals smooshed together into one well-bound version, with a quarterly review at the start and the end. I’ve discovered that, personally, that quarterly cycle is really important for things I’m working on and working toward, and to achieve that with this journal requires buying three of them and changing journals twice during that cycle.

That being said, for a journal solely focused on achieving month-long goals, this one is really well executed.

I would recommend the Define My Day planner to anyone focused on month-long goals and habit changes or “thirty day challenges.”

Momentum Planner (print edition)

This is a six month printed and bound version of the Momentum Planner I discussed earlier in this article. Prior to this, I had simply printed out the full year version and had it bound at a local print shop, which worked pretty well for me. This version is a little pricier over the length of a full year (two journals), but it’s better bound and more portable.

I’ll largely reiterate what I said last time about this system. Momentum Planner is all about starting with five yearly goals, breaking those each down into quarterly goals, breaking those down into monthly goals, breaking those down into weekly goals, then breaking those down into daily goals. It is very structured around this top-down pyramid style system. While this book is a full-fledged planner, with daily calendars and such, this goal system is deeply embedded throughout it.

For me, that system works really well. I have a lot of experience breaking down big goals into little bits and thus this system works well for how I think.

The only element here that I find lacking is that a lot of the big goals I set for myself are more habit-oriented. While I can write daily “to-dos” for some of those things, I find that a habit tracking system of some kind is a good supplement. This is something I’ll touch on again in a bit.

I would highly recommend the Momentum Planner to anyone who thinks of their life goals in a highly top-down fashion, breaking down big goals into progressively smaller pieces.

Clear Habit Journal

The Clear Habit Journal is a wonderfully-produced journal from Baron Fig that’s intended as a supplement to the book Atomic Habits by James Clear, a book I wrote about extensively in a “Books with Impact” article a few months back.

When you first glance at this, what you’ll notice is that most of the pages are blank, with a light dot-grid pattern on them. This is done so that you can basically turn the pages into whatever format you want with a ruler and a pen. A few dots are slightly darker than the others, making it easy to divide the pages into halves and thirds, so you can make daily and weekly layouts exactly how you want them. In this, it kind of reminds me of a Bullet Journal, noted above.

What really makes this journal stand out, though, are two features. For starters, right at the beginning, it offers several pages of “one line a day” journaling for a month at a time, paired with pages for “one prompt a day” so you can write something in response to a single prompt, a month at a time. This allows you to easily do some micro journaling, along with making yourself think about a single prompt each day. This is quite nice.

What’s really great is at the end of this journal, there are several pages of tables specifically designed for the daily tracking of habits over the course of a month. It simply has a wide column to list a task, then 31 narrow columns with which to indicate completion or to give yourself a score (a la the system in Triggers), and there are several pages of these.

There are also several pages at the beginning and end of the journal that discuss several different systems of coming up with and tracking goals and making decisions. Given the free form nature of the bulk of the journal pages, it’s pretty easy to try out these systems if you need to make a decision or want to try something different.

This is a really great journal. I’m pretty sure my ideal journal, if it were to exist, would include the habit-tracking material in this journal bundled with the top-down goal setting material in the Momentum Planner. The habit tracking pages in this are just perfect.

My belief is that this journal probably works best for people who want to chart out their days in a more free-form situation and then migrate those thoughts into digital tools for actually moving through the specific appointments and tasks in a day. Unless you put in a fair amount of work on the blank pages, this won’t be a full planner for you; having said that, it’s absolutely great at being a journal and habit tracker.

I highly recommend this journal to anyone who wants to focus on building new habits and tracking those habits and is more free-form with their other journaling and planning elements, particularly people who pair paper journals with digital systems.

Yearly Theme Journal

I am a long time fan of the excellent Cortex podcast, which digs into a number of areas related to independent creative work. One aspect of the podcast that comes up frequently is the idea of a “yearly theme.” A yearly theme is kind of a lighter version of a goal; it’s simply an expression of what element of your life you want to focus on that year. For example, one recent yearly theme of one of the hosts was “the year of order.”

The idea of a yearly “theme” is something I’ve done myself for the last two years, with themes for my year largely unrelated to personal finance in any direct way. (My theme for 2020 is “black belt,” as a major goal is to get a black belt in taekwondo by the end of the year, but it has other meanings, too.)

The idea proved so popular and so integrated into the thinking of the hosts that they transformed the concept into a paper journal.

In many ways, this journal feels like a lightweight version of the Clear Journal, noted above. There are a few starting pages where you identify up to four themes for the year, followed by roughly 90 single pages meant for individual days (each page has three dot-grid boxes without label, so you can define which goes in both – they could be calendars and to-do lists, or they could be other things entirely), followed by a bunch of pages for habit tracking or “daily themes,” depending on how you want to use them. That’s very similar to the structure of the Clear Journal, though with a little more structure on the individual pages.

This journal is right in the wheelhouse of what I’m looking for. It feels like it takes some elements that I like from the Momentum Planner – the annual focus that overarches over the whole thing – and some pieces I like from the Clear Journal – the habit tracking and puts them in a lightweight structure. It just somehow feels “lighter” than the other two.

I’d recommend the Yearly Theme Journal to anyone who is interested in defining annual themes and tracking daily habits, but wants to do this in a less intense format.

Code&Quill Habit System Planner

This is a really, really solid three month (effectively twelve week) planner that has a lot of features that overlap with the other journals mentioned here, but does a few things really well.

The book is divided into three sections – months, weeks, and days. The months page is oriented around a single monthly goal, breaking it down into four “milestones” (i.e. sub-goals) and actions for each milestone. Those milestones carry forward to the individual weekly pages, where you define a weekly goal and key steps toward achieving them, along with a week-long habit tracker for five goals and space for a weekly review. The daily pages are a two page layout with space for a schedule, a to-do list, a daily goal, priorities, and a lot of space for a daily review. The daily view is really well executed.

If you’re really hammering down on a single goal over the next quarter – or a single “theme” – this planner does a great job of helping guide you to success. I’m thoroughly impressed with it.

The only reason I am not using this journal, and this is a really minor thing, is that I actually track more than five habits at a time. As I was using this journal each day, that was the one thing that kept annoying me, and I really don’t know how they would add a lot more without significantly altering the layout. I’ll admit that I run into the same issue sometimes with the Momentum Planner, where I have more daily steps that I want to do than I have space for, but the extras from that run neatly onto a to-do list that’s right on the page and almost meant for that. Here, if I want to track more than five habits, it has to run into the “takeaways” section, which I really wanted to use for weekly reviews.

The Code&Quill Habit System Planner is honestly my new “default” recommendation for most people, as I think it does everything really well and presents a really usable goal and habit oriented system that almost anyone can use. As I noted, I can see specific users finding quibbles with it that might take them to other systems, but for the vast majority of people – particularly people who are just getting into using a goal-oriented paper planner/journal – this is such a solid all-around choice.

Self Planner

The Self Planner is a six month planner takes a lot of the goal-oriented features noted in other planners and leans heavily into the time management aspect of things. It’s really heavily focused on the daily schedule above all else, inserting a few free form pages and a few “workbook” style pages oriented around setting goals around the daily schedule pages.

The heart of this planner are the weekly two page layouts, which feature eight long columns, one for a “weekly overview” and one for each day of the week. The daily columns are set up like a schedule, divided into hours, with plenty of space for writing; the weekly overview allows you to state your priorities for the week and has some limited space for to-dos. Each weekly layout is followed by two blank pages with dot grids, giving you space for additional notes or habit tracking or whatever you want. It’s very heavily oriented toward a “weekly calendar” view.

Outside of that, there are pages for monthly overviews and, perhaps most noteworthy, there’s a two page guided reflection for each month that encourages the person filling out the journal to reflect on the progress for each month and figure out goals going forward.

I feel like this journal was intentionally designed for someone with a pretty tight schedule of meetings and other responsibilities. I found myself using the weekly layouts to do rough time blocking, but I don’t actually have a lot of appointments at specific times during the workday (the evenings are a different story) and I tend to rely on my digital calendar for those. For the most part, I do time blocking exactly the same each week, so I felt like this planner was an excellent tool for someone different than me.

I recommend the Self Planner to a person who has a tight, full schedule and needs to figure out how to achieve personal goals and prioritize things in the gaps.

My Recommendation, What I’m Using Going Forward, and How I’m Using Them

I genuinely feel like the current crop of goal-oriented paper planners and journals are a step up in quality from what existed two years ago, for the most part. They all seem to have adopted ideas from the wonderful books Triggers and Atomic Habits, both of which I recommend.

As I noted, my new “default” recommendation without knowing much about the person is the Code&Quill Habit System Planner. It’s just a strong all-around journal that will do a really good job for pretty much anyone.

I’m personally very into top-down planning and tracking my own habits these days, so for the last couple of months I’ve been using both the Momentum Planner and the Clear Habit Journal. This is in addition to a blank journal. I keep all three of them, along with a bevy of pens, in my “portable office” backpack at all times (except when I’m actually using them or I’m traveling).

So, how do I use these notebooks? This has been my process for the last few months.

I use the Momentum Planner to design my day. It has a very strong top-down goal-oriented focus. I use it to think about what I want to do today and what I want to do tomorrow in terms of the things I want to get done and what my day looks like. I use this in tight conjunction with my digital calendar and digital to-do list, because I almost always migrate my conclusions from this page into my digital tools. It’s kind of a “think about my day ahead” space. Then, during the day, I just use my digital calendar and digital to-do list when I want to focus on execution, not on deciding what to do.

I use the Clear Habit Journal as an ancillary journal for three specific purposes. One, I use it to track habits, because the habit tracking pages in this journal are simply perfect. I have a list of habits that I’m trying to build at any given time and each morning I review them and each evening I score them according to the method described in Triggers. Two, I do “one line a day” journaling where I write down a single line that summarizes my day and then also write a single line in response to a prompt that varies from month to month; the journal offers space designed for this. Three, I use the space in this journal to make decisions when I want to write out pros and cons or use other methods for deciding how to handle a problem. This usually comes up when I’m planning out my day and I’m trying to make a choice or when I do my normal daily journaling.

The other notebook I use is a rotating one that’s just a blank notebook for journaling. I use a version of Julia Cameron’s “three morning pages” journaling strategy where you just brain dump for a while. She suggests filling up three pages, but I write pretty small and that would take a long time, so what I usually do is set a timer and brain dump for 30 or 45 minutes. I just write down whatever comes to mind, and my mind usually ends up digging through one or two intellectual ideas or issues in my own life, and the process of actually writing them down clears my head. Often, if it’s an issue in my own life, the outcome of that feeds what goes into those other two journals, so I usually actually do this first.

Final Thoughts

I’m naturally a goal and system oriented person. I want to create daily routines and habits that take me to where I want to go, and I also find a ton of value in creating big goals and breaking them down. I use both strategies, because they each help with certain things: getting in shape is more of a “system/habit” thing, for example, while writing a novel is more of a “goal” thing. I find that having a goal-oriented paper planner by my side makes juggling a lot of life responsibilities, roles, and goals a lot easier and helps me keep an eye on the big picture.

I can’t guarantee that any of these would be helpful for you, but I will say that if the concept sounds compelling, read through the descriptions in this article and my original post on goal-oriented planners and choose one that matches what you’re going for. I think virtually all of them are good for somebody, and many will be helpful to lots of folks.

Good luck!

The post An Update on Goal-Oriented Paper Planners and Some New Recommendations appeared first on The Simple Dollar.

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Food Stamps: Who Needs Them And How To Get Them

Food stamps can help lower income families, putting food on the table during hard financial times. Here’s everything you need to know.Food stamps can help lower income families, putting food on the table during hard financial times. Here’s everything you need to know.

The post Food Stamps: Who Needs Them And How To Get Them appeared first on Money Under 30.

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5 Shrewd Secrets from Women Who’ve Fixed Credit, Paid Debt and Made Fortunes

Looking for some advice when it comes to managing your money?

We have stories from a former Merrill Lynch executive, a mom of nine who overcame a job layoff and a college grad who was able to pay off $100,000 worth of debt — then start her own business.

They share their tips and secrets for financial success. You can even start using some of their strategies right now.

Secret No. 1: Women Should Invest Differently Than Men

Traditional investing companies have never really considered the fact that women statistically get paid less, yet live longer.

That’s why Sallie Krawcheck, the former head of Merrill Lynch designed an investing company for women called Ellevest.

With Ellevest, you can start investing with as little as $1. Plus, when you sign up through The Penny Hoarder, you’ll get a $25 bonus in your Ellevest account.*

When you sign up, Ellevest will build an investing plan just for you and your financial goals. It considers gender pay differences, any potential career breaks and overall lifespan. Even better? It invests your money in women-owned businesses.

Thanks to Krawcheck, we can invest exactly for our needs and feel more confident in our financial future.

Secret No. 2: Be an Advocate For Yourself (and Your Credit Score)

It’s easy to pass your credit score off as some silly three-digit number — that’s what most of us did throughout our early twenties anyways. But what happens when you want to buy a car? Or a house? That seemingly arbitrary number starts to play a huge role in your life.

And here’s the unfortunate fact: You can do everything right, but if your credit report has an error (one in five reports do), it could be holding you back — for no good reason. That’s why it’s important to keep an eye on things.

Thankfully, a free website called Credit Sesame will give you your credit score for free and help you detect any errors on your report. If you find any, it will even help you dispute them.

Salome Buitureria, a working mom in Louisiana, found a major error on her report — a supposed unpaid medical bill that had definitely been covered by Medicaid. Using Credit Sesame, Buitureria fixed the mistake and took additional steps to raise her credit score from 524 to nearly 700.** 

Now? She’s focused on buying a home.

It only takes about 90 seconds to sign up with Credit Sesame.

Secret No. 3: You’re Not Stuck With Your Credit Card Debt

Wanna know something? Even if you have loads of credit card debt right now, that doesn’t mean you’ll have it forever. Heck, that doesn’t even mean you’ll have it tomorrow.

What? We’re serious. One of our favorite first steps in escaping credit card debt is to refinance it with a personal loan.

It might sound counterintuitive — like you’re just moving your debt from your credit cards to a loan — but the truth is, this could lower your monthly payment, save you tons of money in interest over time, and allow you to pay off your debt faster..

If you’re not sure where to start looking, use a website called Fiona. It’ll match you with a low-interest loan (rates start at 3.84%). You can then use that loan to wipe out your credit card debt. Then you’re left with just one bill to pay every month.

Pro Tip

When shopping personal loans, look for interest rates lower than your credit cards’ and manageable monthly payments. Oh, and don’t take out more than need to pay off your credit cards.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars.

We chatted with one San Francisco resident who struggled to keep up with her credit card debt. She faced a minimum monthly payment of $274 plus $154 in monthly interest plus a $99 annual credit card fee. She said it felt like she was on a treadmill.

She decided to refinance with a personal loan, which spared her from what would’ve been $14,000 in interest over time.

Secret No. 4: You Can Leave Your Kids $1 Million for $5/Month

If you have kids, you’ve probably worried about what’ll happen to them if something were to happen to you…

For single mom Rebekah Pearsall, this was difficult to consider. “Since my son doesn’t have a biological father in his life, I wanted to make sure he was secure if something were to ever happen to me,” she said.

That’s when she started looking into life insurance.

Before you start thinking you don’t have the time or money for that, look into policies through a company called Bestow. It offers $1 million policies starting at only $5 a month. Your application shouldn’t take more than about five minutes.

You can change or cancel your plan at any time. Plus, the security of knowing your family is taken care of is priceless.

Pearsall had seen firsthand the benefits of life insurance; her childhood friend lost his dad and life insurance helped his family make it through that time financially.

It takes only a few minutes to get a free quote.

Secret No. 5: You Don’t Have to Have an MBA to Start a Business

If you dream of starting a business, don’t let the fact that you don’t have a business degree from an Ivy League school hold you back. (Yeah, imposter syndrome is the worst.) We’ve talked to plenty of women who’ve successfully started businesses on their own.

Here’s a story that really resonates with our frugal hearts: The Budget Mom.

After graduating college, Kumiko Love had $100,000 worth of debt — student loans, credit cards and medical bills. All that good stuff. Still, she had trouble sticking to a budget. So she gave up.

Then she started studying the psychology behind money and that gave her a renewed hope: She started viewing her situation through a positive lens. She combined several budgeting tactics and started logging her process through her blog, The Budget Mom.

And guess what? Love is now debt free and she recently quit her full-time job to focus on her seven-figure business, The Budget Mom.

*The Ellevest The Penny Hoarder promotional offer is valid for the first 1,000 new clients of Ellevest who enter through this designated landing page. Clients who enroll and fund their non-retirement account will receive $25 added to their highest priority goal in their Ellevest account. Clients who enroll and fund their retirement account will receive a $25 Amazon gift card which can be redeemed by visiting Please review Gift Card Terms and Conditions prior to redemption. Ellevest is not responsible for lost Amazon Gift Cards. Ellevest’s processing time for depositing $25 into a client’s Ellevest account or delivery of a $25 Amazon gift card may be up to 60 days.

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

Carson Kohler ( is a staff writer at The Penny Hoarder.

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

Joe Giudice Is All Smiles as He Reunites With His Brother in Italy

Joe Giudice, Gia Giudice, FaceTime, InstagramThere’s nothing quite like a strong family bond!
It’s a new chapter for Joe Giudice, who landed in his home country of Italy on Friday, after a court recently granted him his…

My Postpartum Anxiety Manifested As Intense Germophobia

Trigger warning: postpartum suspicion, suicide

I had my daughter, Charleigh Belle, in January — time 16 months after having Emi. Right after we just started going the hang of having two kids. We had just sold our house and moved in with my mothers to save money( and have additional right hand ). My husband and baby went back to school.

Despite all the sudden changes, I was in ended newborn bliss for the first time ever after the proposed establishment of one of most children. I’ve never had an easy experience with the newborn place and was elated that this time was going to be different.” Third time’s a charisma ,” I thought.

After about week two, the kids had a full month of illness that included two contests of croup, influenza, stomach flaws, and then croup again. As soon as we would get them healthy, they would get sick again. This is when everything changed for me. I wasn’t just a regular sleep deprived mommy who was fright and was also emphasized that the sickness would spread from one kid to the other and eventually reach my newborn. No, I wasn’t her.

I soon discovered myself on my hands and knees bleaching the entire shower four times in a row in the middle of the night. I wouldn’t depart near my two older sick infants. If they wanted to hug me, I would either have to shower immediately afterward or change my drapes and literally scatter myself down with Lysol. I was up all nighttime emptying doorknobs and checking the monitors 50 -plus occasions to make sure everyone was okay. I known that I was being idiotic, but I only could not stop.

I cried the working day, every single day. I was so full of nervousnes that I was physically ill and could not eat. I would manage to eat a slice of apple or a saltine cracker a daytime. I has not been possible to stop my intelligence. Not even for a few seconds. It simply retained racing and I felt like I just needed to crawl out of my skin.

I couldn’t fucking breathe. I recollect making to myself, “If I could just breathe. If I could just take one freaking sigh then I shall be allowed to do something.”

Everything was a task. It would take me 20 minutes at a time to change a single napkin because I could not get my intelligence to focus on doing a lonely thing. It was completely spending. I had to fight my brain literally every single second of every day to do anything at all.

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My mother and husband had noticed all the out-of-character things I was doing and tried to step in. My mom called my OB and told her what was going on. My doctor suggested that I go on medication, but I speculate at that point I was too far down the rabbit puncture to accept any assistant. I did reach out to my friends and “ve told them” that I was striving a bit( understatement of the year ). They was brilliant. I had one who the hell is descended off get well gift buckets for the older kids to help them get over their sickness, and another one coerced me out of the house and treated me to lunch and pedicures. As astounding as those two acts were, though, I was getting a little worse day by day.

All of a sudden, everything changed yet again. I stopped crying. I remember the exact day it happened. I woke up terribly pissed off that I was alive. I was so angry that I had to get it on — life — all over again. I couldn’t. I didn’t want to. These weren’t undoubtedly abnormal thinkings for me over the past few weeks, but they were usually accompanied by barrels of snaps. Yet , none came.

Charleigh had woken up for the morning, but I could not raising myself to get out of bed and feed her. I was alone in the house on maternity and, as sick to my tummy as it constructs me to say this, I let my newborn baby lay in her cot and cry for longer than an hour because I has not been possible to creating myself to get out of bunked. For that hour, I impounded a bottle of pain pills prescribed by my OB after Charleigh’s birth and contemplated suicide for the first time in my life. That is when I certainly knew something was earnestly wrong.

I had a touch of( due to lack of better names) postpartum feeling with my first two children, but this was an entirely different beast. I announced my mother and partner to come home and as I was waiting for them, I browsed every single postpartum depression site/ blog announce/ definition that I could find. All the sites were the same. They would suggest things like go to lunch with friends. Go on a walk outside. Exercise. Get out of the house and keep your mind occupied. How the inferno was I supposed to get out of the house if I couldn’t even bring myself to get out of my freaking bed and feed my poverty-stricken newborn whom I to stay in her crib crying all morning?

There was nothing out there that I could find with anyone feeling and thinking the things I was experiencing. Nothing out there about how you exactly get eaten in this doom and sadnes as if it will last forever , not remembering that there are other epoches to come.

You fantasize, “This is it. This is just how life will be from now on.” It’s as if you are in this cave and you “ve been looking for” and understand the daylight glowing, more every day comes darker and darker until the sunbathe disappears. It’s precisely darkness. Pure darkness. You get engulfed in it and you start slipping into this world where everything is irrational, overwhelming, fright and completely suffocating. It’s a funny/ stunning thing to be afraid of yourself. To contend your own brain every second of every day. To be terrible of something that is so vitally a part of you.

My husband, John, came home and disposed of the pills. We talked through everything and came up with a plan of action. I wanted to feel better after our talk. Yet, that next morning I woke up exasperated again that I was alive. I did nonetheless stick to our mean, got Charleigh in her stroller, went out of the house and went for a move. We were accompanying on the sidewalk next to a hectic road and my head was just racing.

Why was I having such a hard time? I had an astonishing husband and support system. Why couldn’t I take care of my older two kids while they were crying for their momma because they were sick? I can’t do this. Maybe I am merely not cut out to be a mom. My kids are so great, but I am not worthy of them. I can’t do this. I don’t want to do this. I cannot feel like this for another day. I can’t fight anymore. I don’t want to fight anymore. My kids deserve so much more than me. I am not strong enough to do this. I am poor. I am nothing.

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Then, I pushed Charleigh’s stroller to the fence furthest away from the street, ambled over to the edge of the sidewalk, turned around and prepared to fall into traffic formerly the next automobile came past. I remember would be interested to my right and seeing a car coming up and then I faced forward and closed my hearts. In that time, Charleigh started whimpering. My newborn baby who never, ever cries, started crying. It woke me up out of my suicidal nation. I breath for sigh, feed to her, picked her up and held on tight. I then announced my husband and asked about, for the second day in a row, to come home … and that we needed something more than our current plan of action.

Mom and John talked. Mom talked to our healer. John talked to his sister who is an OBGYN. I “ve told them” that I needed serious help and they sprang into action. They knew that I needed assist beyond anything that they could give me, and we all decided that I needed to go to a treatment center. I fought against it. Oh boy, did I fight. I was ferocious that my husband and father didn’t want to deal with the burden that I had become, and they just were going to ship me off.

Looking back, this was my way of eschewing the reality of the situation. I knew I needed improve. I known that I was in a bad neighbourhood. I knew the monster had taken under. I time was too wearied to face it. It wasn’t until my husband sat in front of me on our berthed and with rends streaming down his face said, “Sara, I need you back. Our kids is also necessary to back. I cannot and will not lose you. You can be mad at me for coming you cure, but I’m doing this because I love you more than anything in this world.”

They compressed me a luggage. I held on to Charleigh and only apologized to her. I was so sorry for everything I had employed her through. I was so sorry that I was leaving her at time a few months and a half aged. I kissed her perfect little premier and told her I was going to get help and that I would come back stronger and be the mother she deserved. Then I queried John to accompany Garrett, my oldest youth, in. He may have only been three at the time but he is sharp-worded. He knew something was off with me and my demeanor, and I needed to try and explain to him why I would be gone for a little while. I told him to think of the Disney/ PIXAR movie Inside Out. I told him that Mommy is like Riley when Sadness and Joy get lost from headquarters. I told him that mommy is going away to get help to bring Joy back home. I told him that it’s okay to be sad, and ensured him that it had nothing to do with him. Then I handed Emi a big hug, and my mama drove me to Carrollton Springs Treatment Center.

Treatment was the hardest thing I’ve ever had to do. I expended the first 2 day crying, feeling ridiculously guilty over leaving my children and in this environment that was, well, startling. You aren’t allowed to close your entrances, or have shoelaces, and someone comes and checks on you by reflecting a flashlight in your face to make sure you are breathing every 15 minutes throughout the night.

Once I went over the scandalize, shame, and sadness, I make it do its study. I eventually told myself that I are essential in order to not alone “ve been thinking about” the kids for a moment and decided that I had to focus on going me better, before I could ever help them. I cause treatment lash me open, exposure me, knock me a couple of ages and then teach me the steps toward healing and to do better. I was surrounded by total strangers who also were going through the absolute worst times of their lives. You realise each other in the rawest form and at each other’s worst, and you all really try and help each other through it. You go to group therapy, alternate therapy and read a psychiatrist together.

I was so incredibly lucky to be there with a group of some of the most beautiful people I have ever encountered. It was there I learned how to not evaluate other parties because you have no freaking evidence what they are going through themselves.

Mental illness is not a hand-picked, it’s a disease.

I will say that again. Mental illness is not a preference; it is a disease.

I was not choosing to think and feel those things towards my children and my own life. I was experiencing a major substance imbalance in my brain that was causing me to go through this. I got on medication and worked out, and through, the things I was experiencing. I came discharged from the medication facility and got to go home to my newborns, but it wasn’t all downhill from there.

It was, and still is, an uphill battle every day. I is and remains driving through it. There are still eras where I wake up and can’t get out of bunked, but I now have the compensate tools to help me through it. I identify my healer twice a week, I employ and gobble right. I am “re doing everything” I perhaps can to get become the best version of myself. To become fulfilled, strong and happy.

Here is what I want you to take away from this: YOU ARE NOT ALONE.

If you are feeling or knowing anything that I was, ASK FOR HELP. From anyone. From everyone. GET HELP. It is imperative and lifesaving. There is not enough truth out there about postpartum feeling. I conceive formerly a child gets involved in depression, it becomes this shameful thing. “Theres nothing” infamous about dimple and nervousnes. It is as real as any other disease.

The post My Postpartum Anxiety Manifested As Intense Germophobia showed first on Scary Mommy.

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This App Helps You Save for a Home Automatically — For Free

Renting forever probably isn’t your dream, but buying your first home is really intimidating. It’s only one of the biggest purchases of your life, right? Way bigger than a car.

The main problem is saving for your first home is a huge barrier to overcome. Rising home prices make it tough for people like you to save enough money for that crucial down payment. 

Also, buying a home puts you on unfamiliar terrain — one that’s full of weird new phrases, such as “closing costs.”

Luckily, now there’s an app for that. Digs is the only savings app that’s designed specifically for first-time homebuyers. Once you sign up, it’ll do two things for you:

  • Digs will assign you a sponsoring lender (un-sponsored accounts cost $3/month). You’ll have the opportunity to earn rewards from your sponsor, such as financial help with closing costs or signup bonuses, depending on your individual lender. You’ll also be able to ask your sponsor questions as you save, ultimately preparing you for the homebuying process.
  • Digs sets up savings milestones you’ll reach along the way to homeownership — expenses such as a home appraisal, title insurance or closing costs. Digs tells you when you’ve hit each milestone and gives you educational videos and articles about the homebuying process.

“We just want you to be comfortable with the largest purchase of your life,” says Pat McLoughlin, one of Digs’ two co-founders. “You’re getting rewarded for putting money away, and you can learn a little at the same time.”

Here’s How Renters Can Afford to Buy

Homeownership is still a big part of the American Dream. But for too many, it’s out of reach.

More than three out of four renters would like to own a home, but more than half say they can’t afford it, according to the National Association of Realtors.

“There’s a huge savings crisis in the United States,” says Chad Johnson, Digs’ other co-founder. “Our research shows that something like 80% of renters want to buy in the next five years — but about 70% of those people have less than $1,000 saved for a down payment. Those are the people we’re trying to help.”

How Digs Helps You Reach Homeownership Sooner 

Once you link your checking account to your FDIC-insured Digs account, you can set the app to automatically save a certain amount per day, week or month. You can also link with your significant other to save together.

Along the way, Digs will check in on your progress, make recommendations and start a conversation with your lender and agent at critical times, like when you need to get pre-approved. 

Saving for a home isn’t just about the money you’re putting away. Digs also lets you link external financial accounts, such as other savings accounts, investment accounts and other assets to show you a true picture of what kind of home you can really afford. 

How Much Will You Need to Save?

The median home price in the U.S. is $193,500, according to the latest U.S. Census Bureau data. Ouch!

The good news: As a first-time homebuyer, you won’t have to come up with a huge down payment of 20% of the purchase price — even though that’s what you might assume you’ll need. Government loan programs for new buyers allow as little as 3% to 5% down.

But even that’s a big chunk of change. For example, a “low” down payment of 5% on a $193,500 house is still a whopping $9,675.

You’ll also need to pay “closing costs.” This covers things like having a property appraiser assess the value of the home and having a title company do a title search to make sure nobody else has a claim on the property. As a rule of thumb, closing costs run from 2% to 5% of your loan amount. 

Start Saving for Homeownership Today

Any rewards that your sponsor contributes to your account are earmarked to help pay your closing costs and other fees — as long as you decide to get a mortgage from said sponsor. If you have a lender and/or agent in mind, you can also invite them to be your sponsor.

Digs adds that its roster of nationwide mortgage lenders will offer you competitive rates because they’re competing with each other for your business.

Here’s one final thought, courtesy of a survey by the real estate website Trulia:

When it comes to housing, renters’ most common regret is wishing that they had bought a home by now instead of continuing to rent.

There’s no time like the present. The sooner you start, the better.

Mike Brassfield ( is a senior writer at The Penny Hoarder. He has bought two homes in his life.

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.

hello i am going through an extremly weird thing in life. that i cannot seem to be able to understand what it is about. im sorry but this is going to be a very long rant. and there is a way too much going on in it. like beyond rhyme and reason kind of stuff but maybe you might just even read for fun

so even from the time that my mother concived me i have always just assume surround with drama.

when my mother got pregnant with me my mother went through sever complications. she was only 17 at that time but for some reason the pergancy was critically complicated. i havent talked much to her about it so dont know what exactly it was all about but all i do know form all the talk that i have heard of the narrative about my delivery is that all physicians had raised their hands and given up on me surving the pergancy.

but hitherto at the end of period here i was perfectly normal and healthy as a regular newborn could be.

But regrettably my parnets were not gladly married. and my mother never demanded me. and all of her pregnacies ever were severly involved and she never manged to give birth to any other child except me.

but then likewise bc of my parents unhappily marriage my father was an absentee dispite being marride the whole time and all of my childhood was basically an excpericnace of being raised by a narcissist- my mother.

but honstly i did not have much to complain about bc i was a unusually naive child and most of my childhood i never really fairly made any notice of how egotistical my mother truly was up untill around the time that i became a teenager.

other wise in my entire category there was only one person who was truely an un maliced masterpiece and she was my grandmother. but unfortunatel she died from breast cancer when i was in 5th gradation around just about in her 50′ s exclusively. and till today( i am 34 yrs old) to me it may seem like a loss i will never recover from.

when i went to high school there was this one guy who had a crush on me but he was a bully and i spent all of my “schools ” going bullied by him.

then right from around the time i was in high school my mother had already kept in mind a person that she wanted to marry me to started talk about marrying me. and the whole time i was so naive i didnt even know that all i had to say was just no to my family to get out of it. and by the time i was 22 they gave so much pressure on me about it that agreed to the marriage and got married to him. despite that i never really wanted to simply bc i did not know that all i had to do was just say no.

anyway aftet i got married things in my life escalated over light. suddenly it was like everyone i ever knew right in my own family and closest to me was just out to digg at my union and fucking it up for me and they werent even being deceitful about it and doing it behind my back. it was all happening in my face and infront of me. and this even included my own mother.

and obvious to me i thought that if this is how things were going to be already then i didnt need to put up with the union and 5 month in a walked out of it.

after i walked out my mother started with this branding and labeling me as mentally challenged. and i tried talking to my father a got a couple of ages but he only became a yes man to me in my face and a yes man to everybody else that apposed me in their face and he was not making it a seceret either.

i was litrally being forced to see concellors and take threapy constitute what every tom dick and harry councelor that anyone ever told them.

to the point that this one concellor i saw was a retired person but was considered to be the best psycologist of all of record and took up the request to councle me merely specifiaclly as a personl favour through the request of some social relationships that my parents had. but thats not all of it.

i went to see this person at his house and through out the session my mother was peresent in the apartment with us the whole time which other thrapists never did. and then at one point this guy was just rambeling on about some unfairness my activities were generating my mother. which was absoulte to the peeks of mounteverst and beyond total bull. my mother was literally doing drama to the point of phony crying to establish the this chap make her slope instead of mine and this was all happening with the both of them obvioulsy in chime with each other. and since i was obviously being falsely cornered by them i shut down and stopped interacting and simply departed speechless. and then the next thing is what is really the portion caught me off gaurd. and this brutal retired old hag of a healer started shrieking at me. litterally cowering over the top of my pate and squealing at me at the fucking top of his lungs that i was the one at fault for everything whatever that their communication was all about.

i had never thought that a diminish was even capable of such a thing. and regardless i never went back to see him. but i never had anyone to talk to about any of this ever the whole. bc it was like everyone i every knew my totality life had turned on me.

a year later things between me and all my family got so bad that one day my father who had never even had any role in my entirety life got to the point of physically abusing me one night.

after that i told them that i was an adult and that i did not need to live with them any more and that i wanted to move out. at this my father put down his foot and he’s like you cannot move out unless you move out of the country. i am not allowing you to move out anywhere inside this country.

and i had never wanted to go abroad ever but at this place i even made this likelihood and went to study in canada for a 2 and 1/2 year course.

but then things took an even worser turn at this time. and this is the part which is the main bit for which i am wrting this whole post. and it is really a very weird part that is hard to make any sense of what so ever at all.

but the first day i went to college this one guy persisted his head out at me and smiled at me as a affectionate guesture to warm me up to him. but when i turned and inspected in his direction all i could see and think of the person that bullyed me in high school.

and i could not even are to be achieved and make friends with a single person in college and discontinued up has become a recluse the whole time. and on top of everything the estimations about the person that bullied me in high school just opened like deluge entrances after that day in college and precisely has not been able to stop and move way.

all this happened in September 2009. and this is September 2019. and it has been precisely 10 yrs now since then and they still have not stopped. i have no idea why i get them ldk if it is some kind of ptsd

but it doesn’t even outcome there. and this the reall ugly part of it all. and i could sewar by it that these hopes feel like they are being imposed under me from the outside bc there is no way in the world that i could have ever thought of anything like it on my own ever.

but it was like i was hearing express in my leader that were constanly nagging me and forcing me that i was in love with him and that i wanted to marry him and that i should contact him and tell him all of this.

up till winter break i neglect all of it. in winter snap i unfortunately went back home and was jusy out with my faimly at a mall one day. and i even terminated up runing into this guy at that mall.

but we only encountered one another from great distances in a momentary gleam from the reces of the eyes and not eye to eye. and that was it.

after winter break i came back to canada and my believe/ enunciates in the intelligence/ delusions what ever you could call them still has not been able to stop and go away to a notes that in february i looked him up on facebook and acquired his chart on it. and it turned out that he was already committed to this one chick from school.

and my believes now advanced to the point of trying to compell me to the point of building him broken off his engaement. and not one of it felt like it was me myslef that is ready to do any of it personally. it was all just like i was being forced to do it by someone that had somehow learnt a style to driect me immediately through speaking with thinkings in my brain.

but one day in february i mesaged him on facebook and he was out on a dinner date with his groom-to-be. and i just dropped a hello. and this guy is literally like are you abruptly interested in me now bc i have money now. and started accusing me of being a gold digger. and instantly we ended up in an spat with one another which he then went on and even told his groom-to-be about who immidately made the phone from him and got into a spat of her own with me. and it just got cut short at that and that was the end of it. and we never contacted each other again.

fast forwading i could not end up finishing my cource in Canada and came back home after 2 yrs. and after a year or less my parents seperated. not divoreced. they remain currently not divorced but my father tells me that my mother told him that she is already in a relationship with a married man specified Harry but still will not divorce him bc accept she still intendes to take a dig at my inhertance from my father at the drop-off of any opening that arisies.

but anyway at this pitch after my parents seperated it became clear to me why my mother had started off with the lable of calling me mentally ill. it was all because she was looking for an out of the wedding the whole time. and apparently claiming that me and my fathers whole side were menatlly unstable was a way for her to give valid socially acceptable intellect for why she could not put up with us anymore and leave.

and formerly this happend it finally became clear to me why she did all the things she did.

and then at this extent i was like okay now that this label that they labelled me with has performed it puropse i guess i have no more reason to worry about anything anymore and things should start get ordinary now.

instead the labeling and branding would still not stop. and i started to get into even bigger spats with both sides of my family to a point that they started to institutionalise me into rehabs. first it was my aunt from my mother side that positioned me away for 2 moths.

after that i moved to my fathers side. and started lives with an aunt from my fathers side and 4 yrs passed by without theatre for the first time since 2008. and everything despite that my delutions were still present things started to look good again.

and at this point in time i started to tackle the problem of these illusions that whould still not stop. and i contemplated maybe one of the ways i can takle it is if maybe i try to meet new people with whome i can have a more positive experance with and maybe it might help. and hoestly it certainly is not to me seem like it was ever going to be possible but then tinder was the brand-new bustle in municipality and i downladed it and simply genrally was beginning to time chat online. and in 2016 i met these 3 guys out of which who was such a sweetened nerve when we first filled that after about a year of chit-chat with him online well stopped thinking about the the hight clas bully almost completely.

but i didnt connect with any one of them good enough to completely get out of it. but chitchatting with them was genuinly the one of the best part of my life after a very long time and very welcome relife. but i lost touch with all of the people after 2018 and my tinder chronicle got restricted permanently and “its not” a reversable ban.

i tried downlading other apps but nothing of them have gangs like there where on tinder in 2016. and nothing of the guys on them shape me feel like much.

but then anyway in 2018 even my aunt who had been putting up with perfectly fine all of the last 4yrs suddely like really beacuse she could. at this target its like everyone and every one i know has just made it a liberty of passageway to tread on me and get past to proove divinity knows what and get deity is well known honours. its like quiflying a degree for everyone around me at this point to get to the next thing in life.

all over a fucking feline. aftet i lost touch with all the guys i reputed maybe i should try getting a domesticated and i could be like a pet thrapy. bc i dont fucking lack anything to do with actual decreases ever

but my aunt tossed me out of the house all of a sudden after about two months of having the feline in her room suddely say she did not hanker it.

and my father chucked me into rehab for to three months last year time beacuse he could.

after that abruptly everything became a lot better in “peoples lives” suddenly again. my father started being really nice to me all of a sudden. money wise “hes never” riesteicted me this whe hour up till now still. but this time he even renovated one of our houses and gave me the keys to live in to all by my ego and bought me my first vehicle last year in december.

adn i was literally like is it for real. excpet my deluitions and thoughts and all of that stuffabout the bully simply deters getting worse and worse in my subconsciou. and i still dont know how to fix them. like dont get me wrong they are still not as bad since 2016 but in a way at the same time still acting up even more than ever. like somedays i literally question my normality bad.

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JWoww Treats Herself to New Jewelry After Zack Clayton Carpinello Breakup

Jennifer Farley, Jwoww, Clayton CarpinelloJenni “JWoww” Farley has got something shiny and new to concentrate on after her breakup from Zack Clayton Carpinello.
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5 Types of Car Insurance Coverage That May Be a Waste of Money

The cost of owning a car goes well beyond the sticker price at the dealership. There are fuel costs, routine maintenance and, of course, car insurance. 

The seemingly endless options for car insurance can be overwhelming, so many drivers end up opting for coverage they don’t actually need.

Liability coverage is the most basic form of car insurance and is absolutely necessary. Should you be deemed at fault for an accident, liability coverage will take care of the medical costs for other people injured and costs of repairs for other vehicles — but not yours. Some states require additional types of coverage beyond liability. 

However, there are certain types of coverage that you can and potentially should opt out of, depending on the value of your car, your current finances, your health insurance policy and more.

So what types of car insurance can you skip? 

1. Do I Need Collision Insurance and Comprehensive Coverage? When to Skip

Collision insurance covers damage to your car in the event of an accident, whether you were at fault or not. 

Comprehensive instead covers damage to your car outside of an accident, like flood damage due to a hurricane, vandalism, theft or fire. 

If your car is worth a lot of money, you should absolutely carry these coverages, and if your car is financed, your lender may require you to. But you may be wondering: Do I need collision insurance, especially if my car is old?

If your car is old or you paid a small amount of cash for a used car that may only last for a few months, you’d be wasting your money to get collision and comprehensive.

“Your reward is diminished greatly once your vehicle has depreciated over the course of time,” said Melanie Musson, insurance writer for “So, if you’re paying monthly for coverage that’s going to provide you with minimal payment should you total your vehicle, and then you’ll face higher rates after making a claim, it’s just not worth it.”

One caveat: Be prepared to pay out of pocket to fix the car or, more likely, to purchase a replacement vehicle. But if your vehicle is only valued at $1,000, it may be better to put money each month into savings for a replacement vehicle than to shell out money for coverage on that low-value vehicle.

Chris Tepedino, also of, warns that bundling uninsured motorist and collision is often a mistake. 

“Uninsured motorist protects your car if it’s hit by someone who doesn’t have insurance,” he said. “Collision, well, protects your car. Don’t be suckered into thinking you have to buy both. Overlapping generally doesn’t help.”

2. GAP Insurance: It Depends on Your Down Payment

Vehicle depreciation can be a major detriment to your finances, especially if you wreck your vehicle shortly after financing it. 

Because a car loses about 20% of its value when you drive it off the lot, insurance will only cover 80% of the initial sticker price should you get in an accident on your way home. That means you will be responsible for the other 20%. With the average new vehicle costing $37,401, that could mean you lose out on nearly $7,500.

That’s where gap insurance (guaranteed asset protection) comes in, covering the difference between what you paid for a new car and how much your regular insurance is willing to pay for the totaled vehicle.

But depending on how much you put down for the car versus how much you financed and how much that car is worth, you might not need gap insurance.

“Gap coverage isn’t necessary if you’re able to financially handle the risk of paying the difference between what you owe and what your vehicle is worth when you’re upside down on a vehicle loan,” Musson said. “If you make a 20% or greater down payment, your risk for needing the coverage is greatly lowered, and you may be able to forgo that coverage.”

Similarly, you don’t need gap coverage if you’ve paid off your vehicle or if you purchase an old vehicle that won’t depreciate as quickly, Tepedino said.

3. Rental Car Reimbursement: Probably Not Worth It

A luxury option you can add to your policy is rental car reimbursement. If your vehicle is damaged and must be repaired, this coverage gets you a rental car to use while your vehicle is out of commission.

However, the cost of paying for this each month would likely exceed the cost of a rental vehicle, unless you crash frequently or need a rental for multiple weeks. 

Even then, you may be better off relying on friends and family for temporary transportation, if possible. If you live in a two-vehicle household, consider getting by on one vehicle temporarily instead of opting for this coverage.

4. Roadside Assistance: Check Your Warranty First

Similarly, you can opt for roadside assistance for help with jump-starts, flat tires and more serious problems that leave you stranded. However, many new cars come with roadside assistance, often throughout the length of the warranty.

“You can skip roadside assistance, as long as you realize you’ll have to pay for a tow out of pocket,” Musson said. “You may even be able to find it cheaper from AAA or a similar service.”

If you live paycheck to paycheck, this additional insurance expense is one to avoid.

5. MedPay: Depends on Your Health Insurance

Medical payments coverage, also known as MedPay, is an optional coverage that assists with medical expenses after an accident. However, if you have decent health insurance, you can likely skip this coverage.

Want to Save Money on Car Insurance? Proceed With Caution

The cost of your insurance is proportional to the deductible and coverage limits you choose. The lower your deductible and higher your coverage limits, the more you’ll pay in insurance premiums.

This is a little dangerous, but if someone is wanting to save money, going with lower coverage limits may help,” Tepedino said. 

But Tepedino warns that this is a risky way to save money. “The average cost of an accident with property damage alone is $7,500,” he said. “That number obviously jumps with a death or severe injury, so go at your own peril.”

Brent Weiss, a certified financial planner and co-founder of Facet Wealth, believes there are some types of coverage you can consider avoiding, but he urges caution when you’re shopping for car insurance.

“I am not a fan of simply meeting state minimums,” Weiss said. “It puts too many families at risk of a financial loss they cannot cover. In general, I recommend having liability coverage for bodily injury and personal property, underinsured and uninsured motorists, and collision and comprehensive coverage for most cars. There are some personal injury coverages that may be required, but limits are typically low. The bottom line is that you want to get the right coverage with the right limits and not simply shop for the lowest premium. You often get what you pay for.”

Timothy Moore leads a team of editors and graphic designers at a market research company as his full-time gig. As a freelance writer, he writes about personal finance, careers, education, pet care, travel and the automotive industry. His work has been featured on, The Ladders, Glassdoor and The News Wheel.

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

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Why it’s so hard to find a great mentor or coach

focus on being a great client twitter post

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When I was a kid, my dad taught me how to shoot photography on a manual camera. I even learned how to develop my own film in a darkroom. But it’s been years since I practiced my photography skills.

I really noticed it on my honeymoon last year. My iPhone was fine for most of our trip, but once we got to Kenya, I regretted not having a better camera. Fortunately, one of the lodges we stayed at offered camera rentals, so one day, I went out on safari and took hundreds of photos.

Unfortunately…they sucked. So that night, I went back to our lodge, where they had a “photographer in residence,” and I asked if I could hire him to come out with me the next day on safari and re-teach me how to shoot.

Ramit learning to shoot photos

My photos turned out WAY better. There was nothing like having a coach right there on the spot, giving me instant feedback, to help me get better. More importantly, I fell back in love with photography.

Ramit's mediocre photo Ramit's great cheetah photo

Before & after. All with the help of a coach.

So last Friday, I went to a photography class in NYC. It was a total “101” class, just the basics. I already knew a lot of the basics, but I love the process of starting from the ground up. There are times to care about efficiency…and there are times to slow down and enjoy the process.

That’s the mindset of a student who’s ready to learn.

Every time I post something like this, I get tons of emails asking, “Which class was it???”

Which reveals the real insight about becoming great: A lot of us debate whether this is a good book, or that’s the right program…

…but very few of us ask a more important question:

I’ve had the opportunity to create 25+ programs and work with tens of thousands of students. I’ve also been a student of MANY programs. Here’s what I can tell you.

A good student can get great results with a mediocre program.

But even a great program cannot save a student who’s not ready to do the work.

Some of the signs of a great student:

  • You can afford it: You have the time and (if applicable) money. This is why I prohibit people with credit card debt from joining my flagship courses like Zero To Launch, Earn1K, 6-Figure Consulting, and Dream Job. If you’re stressed about money, you need to resolve that first (use my book) before you take on challenging classes that will test you. It’s also why I only accept students who can put in 5 hours/week, minimum.
  • You’re mentally ready to learn. In my photography class, I’m ready to put myself in the hands of the instructor. If he wants to go slow, that’s fine — he’s the teacher. I’m not critiquing or offering “feedback.” He’s here to teach and I’m here to learn.
  • You welcome the struggle. I have students who go through our business program, and in one of the early sections, we show them how to do customer research by talking to real people. Many people freak out — they’re not used to unstructured, ambiguous conversations like this, and they quit. We’ve seen it a thousand times. Great students welcome the struggle, knowing that like anything else, you’ll improve your skills with time and intentional practice.

Years ago, when I moved to NYC, I decided I wanted to get a personal trainer. Still, it took me 4 months to get the courage to walk across the street and ask for a trainer. I think because doing so would mean I was really taking this seriously.

So, I walked into the gym and said, “I want a trainer.” The manager asked me what my goals were. (I said, “I want to gain 10lbs of muscle.” Where the hell did I get that goal from? I didn’t even understand what that meant.) But he nodded and said, “OK, you’re probably going to have to stop running so much. And it will take more than a year.”

My reply: “I don’t care how long it takes.”

THAT is a student who’s ready to learn.

Can you imagine saying that?

What would it mean if you did? I think it means you’d be abundant to know that you could spend all the time necessary to do it right. You wouldn’t be in a rush — you’d want to become great.

Interestingly, this makes some people feel uncomfortable. The other day, someone on my Instagram account told me that I spent “too much” on fitness, and that I could “80/20” my results. But sometimes in life, you don’t want to 80/20 it — you want to get 100%, and you happily spend to get it.

I’ll 80/20 the bananas I eat because I don’t give a shit. But for my relationships, my business, and a few things I truly care about…I’ll spend anything.

With fitness, I could afford to be a great student. I had the time and money to take advantage of training.

I was also mentally ready to be a student. I put myself in my trainer’s hands and did everything he said. As a result, I changed my body and my mind. It was one of the best investments I’ve ever made.

And I welcomed the struggle. The first month was brutal. Even simple balance exercises made me feel awkward and weak. But over time, I’ve come to love the art and craftsmanship of fitness.

I was ready to be a student. And it paid off.

But I’ve also had “bad” learning experiences

On the other hand, last year when I was in Bangkok, we had a food tour around 8 pm. I was tired, we’d been out all day, and I didn’t have time to rest before our tour.

Our tour guide was perfectly nice, but I didn’t enjoy the tour. I didn’t talk much, I didn’t laugh at her jokes, and I was ready to call it a night before it even officially ended.

Maybe I would have connected better with another tour guide, but truthfully, I had to take responsibility for my poor experience — I wasn’t a good student. I was tired and I wasn’t mentally ready to experience my food tour.

No big deal. It happens. It was a good reminder that I own the responsibility for my own experiences.

The opposite of a “good” student is not a “bad” student
Now, let’s look at another example because I think it’s helpful to see that the opposite of a “good” student isn’t a “bad” person — it’s often just incorrect mindsets or behaviors.

Here’s an email I get multiple times every day:

“Hey Ramit, I read your book where you mention that you use XYZ account. But what do you think about ABC account??”

It seems like a simple question, but the psychology is fascinating.

The average person who writes me this question doesn’t know much about money, and after years of ignoring it, they’ve finally decided to buy a book and take control. RESPECT!

But then the minute they see something new, they start to doubt it. “Well…what about this? What about that? I know you said don’t try to time the market, but… [sentence that is exactly the same thing as timing the market].”

The key insights here are:

  1. People would rather stick with their narrative than change their beliefs — even when their narrative is harmful.
  2. There is a fine line between asking for advice (legit) and asking for advice so you can simply stay stuck (not legit). Winners do their research, ask when appropriate, and make a decision. Everyone else just stays stuck.

Here’s my response to this question:

“Why deviate from my system?”

In other words, you bought my book because you want help and you presumably trust me. Why not actually follow through on what my book says?

Recently I had an especially interesting response to this question. This guy is $53,000 in debt after a series of rash decisions. He wrote to ask me about some alternative investment I don’t recommend in my book.

After a little back and forth, to understand his scenario, here’s what I told him.

Ramit email conversation

Boom. I love his candor. He admits he’s looking for a “magic bullet” (which, in his mind, is something that’s not in the book). In reality, he’s not ready to be a student yet.

Now, I think it’s perfectly fine to dabble in lots of different things — nobody can go “all in” on everything. And hey, sometimes, you’ll find that you connect with something and you want to go deeper. But there’s a cost to dabbling: You’ll never get the results of someone who decide to be a great student/client and commit. I’ve met thousands of people who’ve taken the “dabbling” approach for years and years…and have atrophied at the skill of choosing something they love and going after it.

My suggestion: If you decide you want to get serious about something, find a great teacher you respect and trust, and put yourself in their hands. You’ll get more from committing than you ever thought possible. I’ve seen it in my business and my fitness and — I hope — a couple years from now, my photos.

You can look for the perfect program. But until YOU’RE the right student, it won’t work.

Photo of RamitP.S. To learn how to put yourself in the mindset of a great student, you don’t need hacks or random tactics. Instead, learn how successful people think about Mental Mastery — and apply it to your life.

Why it’s so hard to find a great mentor or coach is a post from: I Will Teach You To Be Rich.