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There is a sharing boom amid all this economic gloom

In uncertain times, sharing rather than owning starts for a fascinating hypothesi. Why buy a house or a auto, or furniture or home appliances, or even elegant invests when you can rent them? The project likewise is appropriate to a millennial’s way of life — devote more on events, like advance, rather than be held down with mounting debt one has to repay.Rajat Arora, 23, who is relocating from the US to the India office of his financial services companionship, plans to go lite — much like his new office at a coworking facility in Pune. “I don’t want to buy anything, but payment it — furniture, suite, automobile and even an umbrella when it rains.” The conclude for renting substance is that he is not sure how long he will be with the current employer. He is simply not too optimistic about the overall job market.Even small and medium-sized businesses, it appears, are not ready to sink in money, given that even startups are into sharing through business-to-business arrangements.NestAway, a mansion rental company, routinely spouses with other startups such as furniture rental dares Furlenco and City Furnish to give accommodations for sharing with sofas, plots, almirahs, gadgets and so on.This win-win situation, where there is ready and proliferating challenge, continue to attract a emcee of companies whose business framework is to rent rather than sell. And this business is exploding amid an fiscal sorrow. Consultancy EY looks the size of the Indian sharing economy to becoming roughly $20 billion in five years.Sharing Scales Up Stage3, a fashionwear rentier funded by Blume Ventures, claims to have seen a six-fold increase in user base between October 2018 and 2019. The startup makes you lease robes or uniting clothings by designers such as Sabyasachi Mukherjee, Rina Dhaka, Anju Modi or Manish Malhotra at one-tenth of the MRP. NestAway extremely says it has 75,000 renters in 35,000 residences. The startup has so far heightened $125 million from numerous investors, including Flipkart, Tiger Global, Ratan Tata and Goldman Sachs.“This generation is expending more and owning less, ” says Karan Jain, cofounder of Revv, a car rental platform.While Uber and Ola cater to point-to-point commute, startups like Revv discover an opportunity in a longer engagement. There are around 4,000 automobiles on its platform and this organization is rented out — for hours, eras, weeks, months or even times.

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“There are people who want new car modelings every two years without the hassle of paperwork or owning an asset. We help them, ” says Anupam Agarwal, the other Revv cofounder.Neetish Sarda, founder of SmartWorks, says 25 -3 0% of the agency space in India is under the coworking model or is shared.He views bureau seat under coworking scale from 20 million square hoofs as of today to 100 million square paw in the next five years. About five years old back, co-working space was just under 10 million sq feet in India.“Drivers for growing of coworking include low costs, plug-and-play environment and hassle-free runnings, ” says Sarda.Nothing Permanent In some courses, sharing is not new — guest housings or PGs have been around for much more significant. Yet PGs could never scale beyond neighbourhood orbits, often around campuses.What reformed the sharing business were mobile apps that made assets more accessible and some clever innovation to solve real problems.The trend started with taxis and has expanded to renting different kinds of resources, including home appliances, bikes and gowns. And now the businesses are scaling. Of course, the gig economy is also contributing its part to the expansion of the sharing economy.”There are no permanent jobs. Why should I lock myself into permanent resources, which will be expensive to maintain, and I won’t probably use them for their part lifecycle? ” asks Pankaj Jain, 24, who left his job at an online marketplace to do a trend in commerce. “There are options to meet any resource need and I don’t want to be in a situation like my mothers who waste years paying off credits and had to sacrifice holidays.”Global fellowships are seeing the market expand in India- with millennials driving current trends. For instance, Airbnb offers 54,000 owneds across 100 metropolis in India. By offering unused cavity for sharing, the programme says home owners accumulated $28 million and accepted 800,000 patrons in 2018. “We are just scratching the surface, ” says Amanpreet Bajaj, country overseer, Airbnb India.

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Airbnb guess 240 million out of India’s roughly 450 million millennials are in urban areas, and this forms an untapped potential cornerstone, which is far bigger than any other region or country.Pradeep Parameswaran, chairman, Uber India& South Asia, says, “We think we can replace your car with your phone- an app that unbundles the personal car by addressing everything you use it for.” One such service in its portfolio is UberPool, which the company says has realise double-digit increment since the launching in 2017 in India.”Sharing domiciles the affordability controversy ,!” says a undertaking investor, who are interested not to be named.Anurag Mathur, leader-retail& consumer goods at PwC India, lends: “Sharing used to be around campuses. Startups are realise it more organised as they participate rising is asking for shared assets among the 20 -to-3 0-year-olds. “A conventional sharer is someone searching affordability and flexibility and determines his or her career interspersed with short breaks- to study or to travel.

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Piece by Piece At Stage3, the average ticket size per hired dress is Rs. 1,500 to Rs. 2,000, though the hire for a designer wedding outfit could be as high as` 30,000 for three days. The startup delivers to 15 municipalities though 80% of its current business comes from Delhi NCR.

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At NestAway, 80% of the business is full home rental and 20% is sharing. But it is the second part that is growing faster. “Increasingly, useds are opting for hiring a chamber rather than the whole apartment, ” says Ismail Khan, the chief business officer. This also pieces better for the owner and the tenant- the onetime comes more rent for the whole property while the latter spends leased for just the cavity occupied.NestAway is in 10 municipals and expanding to 35 by next year. By March, it expects to have 100,000 tenants. Too, virtually 30% of its current customer cornerstone are women.”Shared economy will grow. For example, it doesn’t make sense to buy houses as rental produces in India are very low( 2-4 %), ” says serial entrepreneur K Ganesh. He witnesses bright days for startups such as Rapido, Rentomojo and Bounce.Furlenco, a Bengaluru-based rental furniture provider, begin with 10 products and now offers appliances and kid’s furniture as well.

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The corporation says its current web subscription income is $25 million, which it expects to touch $300 million by 2023. Furlenco has so far performed more than 90,000 subscribers or customers in Delhi, Noida, Hyderabad, Chennai, Pune and several other metropolitans. “Our long-term goal is to move furniture subscription so much better a standard as DTH or OTT subscription is, and we are procreating rapid steps towards this, ” says founder and CEO Ajith Mohan Karimpana.Feeding One Another Sharing economy startups are also feeding into each other’s needs. For example, private owners often generates his naked room or flat for hire and young holders are unwilling to buy furniture or contraptions, which they will have to carry along if they alter domiciles. To help parties and induce the sharing suffer smooth, NestAway has partnered with Furlenco, City Furnish and other furniture and appliance providers to bridge the gap.

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“Each player is working to its strong while lodging to the core problem that they can solve, ” says Mathur of PwC.Such layouts are common across customs. At Revv, the owned automobile armory is around one-third of the full amounts of the, while the rest comes from leasing companies and channel partners.SmartWorks too loans some of the belongings, where it provides up co-working spaces. As the market ripens, it could lead to brand-new sits, like “sharing as a service, ” says the go conglomerate honcho paraphrased earlier.What Stage3, Revv, NestAway and others will focus on is improving user experience while scaling their services to new metropolitans. As world markets proliferates, there will be newer gives as well.

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For instance, Sabena Puri, cofounder of Stage3, points out that in the United Country, useds frequently rent out a week’s office wear from Rent The Runway, returning it over the weekend to pick up following week’s office wear.Even parts such as umbrellas and plays goods are available for sharing. The tenure of sharing can be three days for designer wear, a season for umbrellas, up to 24 months for gondolas and so on.But some old-time challenges persist. “When renters engage with us, the expectation is that it should be like a inn busines, ” says Khan of Nest-Away. Besides, in several cities, landowners have to provide air conditioners, which they frown upon.”A malfunctioning microwave or a auto where I “re going to have to” get under the bonnet won’t do, ” says Pankaj Jain.For designer wear, to ensure repeat use, garments have to be custom-fitted. Maintenance and mends of gadgets has to be managed by the service providers.

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Often, if useds want to situated their own cars up for rent, they cannot do that due to regulations.And most of all, expenses have to be kept low to keep sharing an enticing alternative for millennials. Group economics have to work in favour of providers to give them more office to innovate and proposal more commodities for sharing.

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

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

How we let others poison our views of money.

And how easily we use negative words to describe it.

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

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

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

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

My response:

“Good stuff. Great to meet you

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

His response (notice the skepticism):

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

Depending on your definition, about 6-10.”

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

It’s not automated.


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

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

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

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



“Is it too late”

(What words come to mind for you?)

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

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

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

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

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

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

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

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

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

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

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

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

FEAR that we’ll never have enough.

FEAR that we can’t make more of it.

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

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

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

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

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

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

With money, try these different approaches.

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

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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

You choose.

In my book, I wrote this:

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

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

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

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

This Week’s Kroger Shopping Trip + Amazon Order = $63 spent!

Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.).

For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here.

I only ended up going to Kroger once this past week, but I got some great deals and markdowns!

The Cream of Chicken soup was in the markdown section and it was just $0.49 each + it was part of the Buy 10, Get $5 off deal which meant that I got $0.50 off each — making them free!

I was super excited about finding the Yoplait 8-count packs of yogurt for just $0.99 and also the Off the Grid Waffles for just $0.99 each! There is a $0.50/1 iBotta rebate with a limit of 5 so I got back $2.50 for buy 5 boxes!

And finally, I was super thrilled to find eggs marked down! We were down to our last few eggs so it was perfect timing!

Kroger Shopping Trip:

  • 5 Campbell’s Soup — marked down to $0.49, got $0.50 off each because they were part of the buy 10, Get $5 off deal
  • 2 cans of Swanson broth — $0.49 each when you buy 10 participating items
  • 4 cans of Green Beans — $0.49 each when you buy 10 participating items
  • 2 pounds Land O Lakes butter — $2.49 each when you buy 10 participating items
  • 3 boxes Creamette Pasta — $0.49 each when you buy 10 participating items, used $1/3 coupon from a Kroger mailer = $0.50 for all three
  • 2 cartons cottage cheese — $1.49 each when you buy 10 participating items
  • 3 boxes of Swiss Miss hot cocoa — $0.99 each when you buy 10 participating items
  • Annie’s Mac & Cheese — marked down to $0.45
  • 5 boxes Off the Grid Waffles — marked down to $0.99 each, plus I got $0.50 back per box from iBotta
  • Old El Pasa Taco Shells — marked down to $0.39
  • 2 boxes SO Right frozen burrito bowls — marked down to $0.89 each
  • 1 dozen Kroger eggs — marked down to $0.59
  • 5 dozen cage-free brown eggs — marked down to $1.29 each
  • 2 Chobani yogurt flips — marked down to $0.19 each
  • Kroger peanut butter — free with Kroger coupon from the Kroger mailer
  • Kroger water — $0.89
  • 2 Dannon Oikos yogurt — marked down to $0.49 each
  • 2 packages Roasted Turkey — marked down to $1.79 each
  • Broccoli crowns — $0.70
  • Kroger smoked sausage — free with Kroger mailer coupon
  • 2 8-count packages of Yoplait yogurt — marked down to $0.99 each
  • 1 bunch of green leaf lettuce — $1.79
  • Bag of 3 apples — marked down to $0.99
  • Bananas — marked down to $0.50
  • Dole Salad Kit — $1.79
  • 4-lb bag of oranges — $3.99
  • Milk — $2.99
  • Total with tax: $53.28

Since I had some extra wiggle room in the grocery budget, I went ahead and ordered this great deal off of Amazon.

Dinners This Past Week

Rebates earned: $2.75 back from iBotta + 225 points from Fetch Rewards

Paradox’s Surviving The Aftermath: A Hands-on Preview

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Paradox Interactive has finally disclosed more details about Surviving the Aftermath, a strategy game that’s now available in Early Access on the Epic Games Store and Xbox Game Preview at an early-bird discount of $19.99/ PS15. 49/ EUR1 9.99. Paradox Interactive is known for developing or publicizing amazing programme games, like the excellent Age of Wonders: Planetfall, and we were given the chance to experience Surviving the Aftermath during a press episode at PDXCON 2019.

Surviving the Aftermath is a successor to Surviving Mars, a city-building simulator set on the red planet. The lay of Surviving the Aftermath moves participates to a destroyed explanation of Earth where natural disasters plague the landscape on a daily basis. Players must administer a dwindle number of supplies in order to keep as countless people alive as possible. The overall premise of Surviving the Aftermath is similar to that of the stunningFrostpunk, where the adversary is the land itself.

Related: 10 Best Grand Strategy Games Of All Time, Ranked

Surviving the Aftermath is broken up into two sections – a real-time strategy game involving village representatives that the player has to actively build, and a turn-based strategy game that takes place on a segmented delineate where skilled survivors( known as Professional) can explore nearby parts for pieces. Our playthrough of Surviving the Aftermath touched the hamlet with two troubles: a radioactivity rain that generated crops to wither and villagers to suffer from atrocious radiation poisoning, and a comet shower that decimated parts of the village where it seemed as if the only strategy for survival was to salvage as countless houses as is practicable. The remorseless nature of the town segment in Surviving the Aftermath was reminiscent of the hard-handed choices inDawn of Man, where the cavemen were always under threat by something in their environment.

The town segment of Surviving the Aftermath also has several happenings, where the residents in the town will have a problem that needs resolving and the actor is given a choice of how to proceed. There are also visitors to the village who will barter for goods, seek help, or shake down the town for safety coin. These instants establish Existing the Aftermath the same feel as The Walking Dead video game serial by Telltale Games. The excellent tournaments based onThe Walking Dead often kept the players into these life and death situations where the needs of the many outweigh the needs of the few, and these same hard selections without a right answer can be found throughout Surviving the Aftermath.

One thing that is notable about the demo of Surviving the Aftermath was that there were no structures that allowed the player to train army units. The duels in Surviving the Aftermath involve skirmishes in the turn-based mode, which buds the village feeling defenseless against interlopers. New building natures are unlocked through a tech tree powered by scientific findings that the Professional knows where to find on the world map. There weren’t numerous options available in the demo and it felt as if this aspect of the game was still in the early stages of development.

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The turn-based map opens up when the player has some Experts in their hamlet, who can often be found among survivors who come aiming haven. Consultants can take a single action each turn and they cannot take another until their rhythm packs up in the real-time map. The delineate is broken up into individual regions and these take an action to explore. The regions often contain prized resources that can be used to upgrade the tech tree or improve vital equipment, but they can also contain strong robber adversaries. The pirates we encountered in the demo improve were incredibly strong, which meant that an aggressive policy was able to lead to dead Specialists. It made a lot more sense in our situation to explore and try to plunder unguarded sources of loot, as the Specialist units were too valuable to risk in combat.

Surviving the Aftermath counterbalances the stern survival characteristic of the town simulator with the whodunit of exploring the dangers of the outside world. Both of these vogues congratulate each other in different ways, as existing the natural disasters is all about obligating the tough decisions, while the turn-based map is all about danger and compensation. The environment can feel like a callou and unstoppable opponent, but the exuberance in Surviving the Aftermath comes from the survivors shaking their fist at father mood and persevering for another day.

best free website traffic generatorNo Place Like Home: Build and cope a colony of survivors after a world-ending event. Construct more than 50 distinct constructs to handle everything from rich accumulation and raising to investigate and safety. Don’t forget to construct the Gate to venture into the savage world beyond your colony.Surviving Earth: Explore a gigantic procedurally engendered world boasting six different biomes filled with exploitable aids, raiders, and more. Each environment has different cases that will affect your colony’s survival. Stay vigilant: Natural catastrophes will put your survivors to the test.Survival is my Specialty: Draft over 46 peculiar Consultants, each with their own skills and motives, to manage your colony’s resources and production. Send them beyond the Gate on scientific missions, scavenger moves, and to fight bandits.Expect the Unexpected: Life in the aftermath requires you to shape moral alternatives. You may not be able to control everything in your colony, but how you respond to situations and emergent occurrences will shape the specifics of your new civilization.Mods: Existing the Aftermath participates can bring their own eyesights to life using Paradox Mods.

The demo build of Surviving the Aftermath was still in a rough state and it’s clear that several aspects of the game were still in early stages of development( most notably the tech tree ), but it’s showing great promise and we can’t wait to try the final copy of the game.

Next: The Best Squad-Based Strategy Games

Surviving the Aftermath propels in late 2020 for PC, PlayStation 4, and Xbox One.

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If you are someone who sees opportunity in websites, I can assure you you’re looking the right way. However, in order to make money from any website, you need to get traffic to it. Because new webmasters don’t have money to invest into their websites, a good choice would be to increase website traffic for free.

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We all want traffic to our website, and usually our first choice seems to be Google AdWords. Being able to get your site online in just minutes is great. Even without having to optimize your site. But, that can get pretty costly if you keep having to increase your bids for keywords.

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Auto accidents may be unfortunate but they are a reality and need to be dealt with appropriately. The right course of action (in keeping with legal safeguards) in case of auto accidents is discussed here.

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Upgrade Complete!

Well, that was unexpected.

After three very hectic months — three crazy months during which I managed to balance travel, speaking engagements, and writing — I essentially went dormant on October 15th.

It’s as if I were an electronic device that just received a major software upgrade, then had to shut down and reboot in order to resume normal functionality.

What do I mean?

For the past four weeks, I’ve done nothing. I sat in the hot tub. I read nerdy sci-fi novels. I watched nerdy sci-fi movies. I played videogames. I walked the dog.

Every morning, I’d sit down at my computer to write…but after an hour or two of answering email and/or curating articles, I’d somehow find myself in the spa again. I’d watch a movie (or Star Trek: Discovery), then get out and do some chores or run some errands.

I haven’t written anything substantial in weeks. But I don’t feel guilty about it. I needed the break. I needed to “upgrade” my internal software.

Now, though, I’m rested and ready to resume my normal routine. Good thing, too. In addition to sharing money stories with you folks, I’ve committed to a major project that I need to start (because I’ve neglected that for a month, too). I’ll be creating a five-hour audio course on the fundamentals of financial independence and early retirement.

So, this is just a quick note to let you know that yes, I’m still here. And I’ll be back early next week with an actual article or two! In the meantime, I hope that all is well in your world…

The post Upgrade Complete! appeared first on Get Rich Slowly.

When In Breaking Bad El Camino’s Flashbacks Are Set | Screen Rant

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Caution: Spoilers ahead for El Camino

When is each El Camino: A Breaking Bad Movie flashback set in relation to the wider timeline of the Tv succession? The highly-anticipated Breaking Bad movie premiered on Netflix earlier this month to a predominantly positive receipt, applauded as a fitting postscript to one of the greatest television series of all time.

El Camino is set in the immediate consequence of Breaking Bad’s final incident and focuses on Jesse Pinkman as he attempts to escape the authorities and start a brand-new life away from the mess created by Walter White in “Felina.” Generally speaking, El Camino is a sequel to Breaking Bad that takes place in the days following the conclusion of the original narrative, nonetheless, Vince Gilligan manufactures liberal operation of flashback strings in order to provide brand-new context to the characters and reintroduce some familiar faces without resurrecting anyone from the dead.

Related: Breaking Bad Creator Spoiled El Camino’s Ending Six Years Ago

Unlike El Camino’s main story, these flashbacks aren’t presented in any sort of chronological order and are drawn from running details within the Breaking Bad series. Therefore, it’s not immediately obvious when accurately each of El Camino’s flashbacks is taking place, but some telling evidences are provided, giving observers to connect the dots.

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El Camino opens with Jesse standing on a riverbank alongside Mike Ehrmantraut – a reasonably jarring first persona considering Mike was killed by Walt in Breaking Bad’s final season. Before the public can properly begin to ponder how Mike could’ve lived, it happens that this scene is actually set within Breaking Bad’s timeline. Mike and Jesse discuss being “out” of the meth business, and what Jesse specifically should do with his life next. It’s here that Pinkman first gets the idea of heading to Alaska. The two accompanies too make a passing reference to a tragedy that can’t be made right, which is likely Todd’s murder of a young boy who has come to sight the organization after they plucked off a learn heist.

These clues would lean El Camino’s opening incident somewhere between season 5’s “Buyout” and the end of the following episode, “Say My Name.” Jesse is quitting his work with Walt due to the heavines of the child’s death, so the situation can’t happen any earlier than “Buyout” but Mike is killed by Walt at the end of “Say My Name.” Perhaps the most likely scenario is that the conversation makes place in the hours before Mike’s death, and that Jesse met up with him shortly before Walt’s rendezvous sealed Mike’s fate.

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An lengthened El Camino flashback spots creepy Todd Alquist make Jesse out of his enclosure for a date of eating soup and moving dead figures. In some odd, twisted way, the two end up bonding to a certain extent, but it’s absurd to flee the sense that Jesse is merely biding his time and restraining a mental tone of all the reasons Todd deserves a good slap.

Jesse is first abducted by Jack’s gang towards the end of Breaking Bad, in season 5’s “Ozymandias” and is freed by Walt two incidents last-minute in the succession finale, so Jesse and Todd’s excursion must take place at some part during this 3-episode distance. From Jesse’s beaten demeanor, whisker swelling and decision not to shoot Todd despite having a clear opportunity, it can be deduced that the meth concoct has been kept in captivity for quite some time, and Todd too induces the threat that if Jesse tried to escape, “the little boy” would be killed. This is a reference to Brock, and it’s strongly is to say that the kid’s mother, Andrea, is already dead by this stage. This would narrow the placement of the stage down to between Breaking Bad’s final two bouts, most likely while Walter White is in exile.

Related: Breaking Bad: Kandy Welding Co. Explained

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While Jesse and Todd’s day trip most likely exists a little while after the penultimate “Granite State” episode, the situation in which Kandy Welding Co. are hired to reinforce Jesse’s chained pulley almost certainly follows either during that episode’s timeline or very soon after it. In this flashback, Neil Kandy is paid by the Nazi gang to make sure Jesse can’t flee his bails again. The first time Jesse managed to break free( via abuse of a paperclip) came in “Granite State” and he was punished by having to watch Andrea’s death. This initial attempt at liberty are set out in the El Camino flashback, and the added work to the pulley was surely formatted rapidly afterwards to prevent any further instances of this nature.

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Undoubtedly the most eagerly awaited and passionately discussed flashback in El Camino participates the return of Bryan Cranston as Walter White, as he and Jesse enjoy the luxuries of a inn before heading toward a diner. The two business partners discuss their recent plows and Walt reveals that he foresees a light future for Jesse, maybe as a business student at college.

Walt is bald in this sequence, and Jesse has a phone conversation in his hotel room in which he talks romantically with the person on the other end and asks if they missed him. This representation is almost certainly Jane Margolis, Jesse‘s firstly real adoration interest in Breaking Bad. Jesse’s relationship with Jane plays out in season 2, from bout 8( “Better Call Saul”) until Jane’s death in chapter 12( Phoenix ), so El Camino’s diner flashback must occur at some target during that period.

Since the RV can be spotted parked outside, the hotel and diner incidents probably slot in towards the episode of season 2’s ninth incident, “Four Days Out, ” which would also account for the constant talk of hydrating and Jesse’s devouring passion. During a mammoth prepare conference in the wilderness, Jesse and Walt do stranded and have to rely on resourceful science to get them out of trouble. By the end of the episode, Walt and Jesse have obliged their behavior dwelling, and El Camino’s flashback could demonstrate the duo rinsing up and grabbing some nutrient immediately after having returned from the wilderness. This would explain why Jesse reassures Walt that his family will get their share of the money in El Camino’s diner place, despite saying exactly the same thing when Walt is declined off at the end of “Four Days Out” – Jesse fixes the claim firstly while chewing( in El Camino ), and reaffirms it as he says goodbye( in Breaking Bad ).

Related: El Camino Teases A Sad Ending For Better Call Saul

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El Camino’s other large aiming cameo comes as Krysten Ritter reprises her persona as Jane Margolis. Jane and Jesse take a road trip, during which they discuss their future and Jane divulges her penetrating desire to grab life with both paws and clear her own decisive steps, rather than simply moving where the universe takes her. Like the Walt flashback, this scene would have to take place between “Better Call Saul” and “Phoenix” in Breaking Bad season 2, since this is the height of Jesse and Jane’s romance. Unlike El Camino’s previous flashback, nonetheless, there’s very little to indicate exactly where during that period the road trip took place.

In theory, Jesse and Jane could’ve gone driving at almost any time, but in episode 11 of Breaking Bad’s second season( “Mandala”) Jesse suggests that he and Jane take a trip to a museum in Santa Fe. The audience never check the couple actually go on this drive, but the El Camino: A Breaking Bad Movie flashback could be plugging the narrative gap.

More: El Camino: A Breaking Bad Movie Ending Explained In Detail

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What to Do With Your Investments if You’re Worried a Recession Is Coming

Quick, what is the first lesson you learned about what to do if you are ever lost in the woods? 

If you answered “STOP,” you are 100% correct. 

The exact same rule should apply to individual investors who are worried that a recession is imminent. 

The second rule is “don’t panic.” 

The worst investment decisions are often made under periods of emotional distress, e.g., after the loss of a job, the death of a loved one or as anxiety sets in that a recession could be near. 

Why You Probably Don’t Want to Recession-Proof Your Portfolio

If you believe that a recession is imminent, you might think it makes sense to allocate more funds to investment-grade bonds, since such investments tend to hold their value better than stocks during recessions. 

Alternatively, if you believe the economy will grow even faster than expected, you might try to invest more of your money in stocks. The return on stocks is typically better than bonds during periods of economic growth, which is most of the time. 

Simple, right? In principle, yes. 

But to correctly allocate your funds to prepare for a recession, you first must correctly predict the recession. This is much harder than it sounds. 

First, there is absolutely zero shortage of pundits, journalists, talking heads and others — professionals, novices and in-laws alike — who speak confidently about the direction of the economy. 

Like a stopped clock, they will be right… eventually. By that measure, a recession is always on the horizon. 

But until that time, U.S. stocks could go up another 10%, 20%, 50% or more. If the recession prediction turns out to be completely wrong, it may be another five or 10 years before the next recession. 

In that case, you could have missed out on more than doubling your investment in the stock market before the next recession arrives. 

Keep in mind that the U.S. stock market is itself one of the strongest leading indicators of a recession. 

By the time the U.S. Bureau of Economic Analysis (the government agency that “officially” declares the beginning and end of a recession in the U.S.), the stock market has probably already declined 20% or more.

But analysis shows that most people investing during a recession reallocate their investments in response to an economic downturn only after the stock market has already declined. This is frequently described as the market “pricing in” the cost of the recession or other seemingly relevant investment information. 

Even worse, because investor nerves are shaky or shattered, most of them will not re-invest in the stock market until it has already recovered. In a worst-case scenario, this investor will get reinvested just in time for… you guessed it: the next recession.


4 Tips for Investing During a Recession (or if You Think a Recession Is Near)

For all the challenges facing individual investors, how can someone make intelligent and responsible investment decisions in the face of so much varied, often contradictory information? Here are some tips.

1. Don’t Be Swayed by the Panic

The first step is to recognize that most of the noise surrounding you about the market is just that — noise. 

The sooner you can block it out and evaluate your personal situation objectively, the better. If this entails periodically checking in with a trusted adviser, make sure you are working with someone who can maintain their objectivity and has a fiduciary duty to put your interests ahead of themselves or their firm. 

2. Reconsider Your Risk Tolerance

People look at profit margins in this vector.

Also consider the likely impact on your investments and overall net worth in the event the predictions of a recession prove correct. In other words, reconsider your risk tolerance. Can you tolerate the fluctuations in your investment accounts associated with a garden variety recession?

What about a repeat of a historical worst-case scenario? If the answer to either question is “no,” it might make sense to re-evaluate your asset allocation AND the expected rate of return associated with a more conservative allocation.

Is it worth it to you to save an additional $100, $500 or $1,000 per month to avoid the more severe losses associated with investing during a recession? 

3. Consider the Costs of Missed Opportunities

Next, consider the chance that you (and everyone around you) ends up being wrong. Can you tolerate the FOMO (fear of missing out) associated with what you could have had if you’d left well enough alone? 

Remember, that if you are a dedicated devotee of index investing vs. active management, ALL publicly available information is useless for making investment decisions. Your best bet is to ignore the hype and just keep doing what you’ve been doing. 

4. Prepare for the Worst

Work on building a good emergency fund in case of a layoff, and review your insurance policies to make sure you can afford any out-of-pocket costs associated with a major illness or accident. After that, leave everything else alone. 

But What if You Just Can’t Stomach a Hands-off Investing Approach?

If, after all these steps, the idea of leaving your investment accounts completely unchanged in the face of contradicting information sounds a little too Zen for your comfort level, consider the following strategies for mitigating the potential trade off between future returns and lowering overall portfolio risk: 

1. Consider Dividends

Stocks that pay dividends distribute money, usually quarterly, back to shareholders. Make sure you’re investing in a diversified pool of dividend-paying stocks to as to avoid falling into a “value trap.” Sometimes high dividends can be a sign that the dividend payment is too high and unsustainable relative to the underlying fundamentals of the issuing company. 

2. Look at Bonds and Other Income-Producing Investments

Suppose the stock market is projected to return 6% over the next 10 years. If you have the option of choosing a diversified portfolio of bonds or other income-producing investments, also known as fixed income, that are currently yielding 6% or more, it could make sense to opt for the diversified portfolio of fixed income. 

Such options might include high-yield bonds or bonds issued by emerging market economies. These investments will also lose value in the event of a recession but may hold up better than stocks in general. You can then evaluate the option of reallocating more to stocks if and when the bad news you were expecting comes to pass. 

3. Invest in Quality

Look for diversified portfolios of stocks that represent companies with strong balance sheets and consistent earnings. These companies should withstand market turbulence better than their weaker counterparts.

Again, keep in mind that the long-term rate of return may be more modest than the stock market in general — but without the opportunity costs associated with investment-grade bonds or cash. 

4. Think Globally

These days, “broadly diversified” generally means including international investments. Returns between U.S. and international stocks tends to be cyclical. In the meantime, allocating some of your investments overseas can help reduce the volatility associated with a portfolio invested completely in the U.S. 

A Final Word About Preparing for a Recession

The consistent theme to all of these recommendations is to consider in advance the potential outcomes associated with various scenarios: both in your personal life and across the economy in general. 

By doing so, you will be much better prepared to withstand most (if not all) of what the investment universe has to throw at you and be well on your way to a calm walk through the woods when everyone else is lost.

David Metzger is a fee-only wealth manager in Chicago. He is a certified financial planner (CFP) and a chartered financial analyst (CFA). He has taught courses on personal financial planning and investing at DePaul University in Chicago and Christian Brothers University in Memphis, Tennessee.

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.

Timing is essential, an old saying known to everyone. But with generating traffic, you need to always be a day ahead of everyone. Think ahead as and build goals and work towards them to attract traffic to your site.

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Traffic is a number and it signifies the amount of people that visit your website. If you have an online business, you will be very interested in finding a way to get free or cheap traffic. And there are online programs that can offer you just that.

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The first thing most drivers and their passengers do in the event of an automobile collision or accident is to rush out and exchange particulars with the other drivers and motorists involved. Fine but complete the other steps first and foremost should you be involved in an untimely auto accident or collision.

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Free Printable Merry Little Christmas Planner

Need help staying organized this Christmas? Grab this free planner!

Merry Little Christmas Planner

Download a FREE Merry Little Christmas Planner that will help you plan your Christmas on a budget, stay organized throughout the holidays, and be more present this season.

This planner is so beautiful and is filled with original, wintery watercolor illustrations!

Painting Hacks and Tricks For Painting Your Own Interiors

In need of some painting spoofs to do your job a little easier? If you’re not hiring health professionals, then these gratuities and hacks are important.

Painting Hacks and Tricks Painting Hacks and Tricks

I’ve been planning to paint parts of our homestead for some time now. I’m not the best painter but I can get things done. Since homesteaders should rehearse self-sufficiency, I don’t really want to hire a professional for two reasons: rehearse( on my own part) and to save money. So if you have a painting project just waiting for you, these cover spoofs and stunts will help you accomplish the job.

You can thank for these beneficial tips-off!

Painting Hacks& Tricks to Make the Job Go Smoother Painting Hacks

Use a plastic suitcase as a paint tray liner. Thinly mallet small loopholes to create an indentation when prepping for spackle. Text windows with soggy newspaper to save time, rather than dealing with tape. Application an elastic on your draw can to avoid messy drippings on the two sides! Use a depict pad been incorporated into as stimulate stick to paint hard-to-reach infinites. Obligate cleansing a breeze by using a paint brush comb under rolling sea.

How the Pros Avoid Taping Entirely

Cutting In: When drawing near a finished perimeter without a tape, try this technique.

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