Like imagine dedicating 10 years to learning a trade skill that allows you to work in a number of fields and/or independently while simultaneously working a full time job and side projects, and you get hit with the "when are you gonna get a real career?"

Hey so this came up talking to my buddies who are in charge of hiring at their workplace yesterday, and I know taking Advice About Employment from someone who hasn't been employed in mumble mumble years is on its face a little stupid-sounding, but if you're at the interview stage and you've heard that you should ask questions but you're not sure what and also you're sure you're going to be nervous:

Interview the interviewer.

Seriously. The more you can shift your mindset from, "oh gods if I can't get this paycheck I don't know what I'll do," to, "I might not even want this job, but I'm going to interview this person and find out if it's right for me," the better. And obviously you still do need the paycheck and you might still take a job you don't want, but your confidence in the interview will skyrocket if you can pull this mental switch on yourself.

Take notes throughout. No, really, bring paper or a notebook and something nice to write with, and jot things down. If they raise an eyebrow (they shouldn't!) just tell them you're making notes on what you want to double back and ask them about. This shows you're an engaged listener and also polite enough to not interrupt, but firm enough to not let questions slide entirely.

When you get to the end and they ask you if you have any questions, this is where you ask them about workplace culture and their own job and performance. What's it like working there? How is onboarding handled? How is communication handled? If it's a shift job, what's the procedure for finding coverage? Is there room to advance? Do they promote from within? Most of the questions they ask you about past jobs are fair game for you to ask them about their current job too, like: What challenges do they face at work? Daily? Monthly? Long-term? What do they enjoy about the workplace? What would they change about it? Depending on the type of work you can ask them about what kinds of projects, cases, clients, etc. are typical and have they had any atypical ones, and how were those handled?

Seriously, the more you ask from the point of view that the interview is a fully equitable, two-way process, the better. Obviously in many ways it's not, but again, this isn't about the reality, this is about Performing Confidence. They want to see if you're a good fit for them, and vice versa, you want to see if they're a good fit for you.

Again, yes, I haven't been employed for...timespan that I'd actually have to do math on. Despite being an introverted weirdo with a not very impressive CV, though, the last time I had a job, I beat 250+ applicants for a job that I had no real prior experience in, mainly on the strength of my interview, which I basically treated like a fun little jaunt up to San Francisco to see if this was a place that I felt like working. Not in a flippant way, but still. I don't remember being stressed at all. I mostly remember getting lunch afterwards and it was soup in a sourdough bread bowl. Did I have nerves? Eh! Probably! Dunno! I mostly had broccoli cheddar soup and a job offer after a few more days.

Like yes there's no magical way to guarantee success at any given interview, but I have a surprising number of friends who handle interviewing and hiring and they are always praying for people who can do this in an interview. This is as close to a silver bullet as you can get. Being engaged and asking questions is THEE ONE THING they most want in interviewees but they very rarely get it.

So yeah fake it 'til you make it, but fake it in a very specific way where actually you're interviewing them to see if their job offer would be a good fit for you, not the other way around. You can, in fact, say, "I don't think this place will be a good fit for me at this moment, but thank you so much for your time." Yeah, you probably won't, but the point is that it's a real option and remembering that is empowering. Shift the focus of power in the process, even if it's just in your own mind, because I guarantee it's not just in your own mind if you can do it.

I regret buying a house. And it it's just cause of my own entitlement, so be it.

So I said in my introduction that I regret buying a house. And while I do LIKE my house, let me tell you why I'm not happy with having bought it...

When I bought my house, I was in a great spot financially, as my job during 2020 actually picked up and... Well, I made a lot of money! I was working for the railroad, and often going days without being home. (Oh no, I sense an incoming blog later about that job...) I was very pressured by my Boomer parents to buy a house while the gettin' was good. And on some fronts, they were absolutely right.

On the other fronts, they were balking at prices. They bought their house in 2004, and while prices weren't particularly excellent then, they were still a bit shocked. However, we moved on from that, and my dad, a master electrician with skills in plenty of other trades, helped me to find a house that was at least close to worth what it was listed for.

Living in rural Wyoming USA, my choices were especially narrow. But here's how I saw it- I had no partner. But I had a good job, everything I needed, friends and family around... I, at the time, had been comfortable with the idea of becoming a homeowner and settling myself. I was 24 years old, felt somewhere around 34 in honesty.

I settled on a 3 bed, 1 bath craftsman, built in 1900. Now, I DO love old houses. They're made of strong stuff, and often have unique architecture that's no longer put on new homes unless you pay extra money.

My father ran over this house with a fine tooth comb. And while I'm currently a little salty at my parentals (for reasons I won't elaborate here,) I'm incredibly thankful for my dad in this case. He told me the electrical, plumbing, and general structures looked fine, aside from some of the wallpaper, the back porch, and a beam in the attic. The beam had to be fixed shortly after I bought it, but it was handled by the seller.

The monthly payments and utility bills weren't all too bad. It was honestly made to sound like it would overall be cheaper than the apartment I lived in at the time. But oh man, that is not the case. Especially when the railroad would slow and I wouldn't be guaranteed work or a paycheck...

It took two bloody pay periods. I fell behind one time. I used my credit card to pay my bills, and so the dominos fall. As we know, 2021 introduced the start of the insane inflation we see in 2023. This didn't help. Breaking my leg didn't help. Being scammed by someone I thought was a friend and allowed to use my basement for a few months didn't help. Being a doormat and not charging fairly didn't help either.

I had set rent low, because I understood and still do understand that shit. Is. Hard. And it got harder.

My current roommate/tenant actually had to convince me to charge a little more, as I went months falling further behind and scrambling to keep the house, keep my truck, keep the lights on, keep trash service, internet, water... Essentially, my plate was full, and now late charges and collectors were coming my way, because even after getting and keeping a job, full time, I couldn't catch up.

This is the first month that I'm not paying mortgage twice in the month, and while it provides some relief, the honest truth is that the house has been the absolute bane of my existence. Maybe I'm not responsible enough. Or maybe I wasn't as ready as I thought.

I still don't have trash service. I take the trash to my dad's dumpster when a bag gets full. (That said, I'm lucky to have a roommate who, like me, doesn't tend to make a lot of trash. Between the two of us, we might make a bag a week. ) I almost lost both water and electric this month, but I managed to scrape by. Barely. It threw my bank into overdraft.

Had I not been destroyed by the addition of overdraft fees in the previous two years, I guarantee I'd have had the money to pay and maybe even do some work on the house... Speaking of the house! Let's just say two years of financial and mental health troubles will do a number on a yard and on a house. While relatively clean indoors, the carpet on the front porch is coming up. I don't particularly dig outdoor carpets, but I digress. It was there before I was.

The back porch, I'm terrified to let my 10 pound pekepoo go onto. But I don't have much a choice as it's the only way to the back yard. There's a tree looming ominously over my roof, which although only one, a shingle was blown off of. My yard looks like utter crap from the former friend's incessant littering... While he was removed in November, a rough winter hasn't helped. The man made up to three bags of trash a week on his own. And when you don't have trash service, it's a problem. It caused an earwig problem... while he did admittedly try to help fix a drain leak in the kitchen, he sort of made it worse. I still associate the space beneath the sink with the mold and earwigs I came home to. Even if it's clean now.

Earwigs are spooky. I don't do bugs.

So that's another thing potentially on my plate again this year, although his garbage is gone. But probably what scared me the most came up in March... Now, I'm aware than in the colder months, old houses are prone to a little condensation, as they just don't ventilate as well. And while I'm about 99% sure it was only because it was cold outside and Roomie and I were cooking, I'm terrified that the roof may not have been properly handled. I didn't get indoor drippings the last two winters, albeit they were mild, and this one was very much NOT mild.

This winter is one where my GMC Yukon with a V8 got terribly stuck in the bloody driveway, and the snow was up past my hips at times. I'm about 5'6"... Non Americans, please use google to translate that if it matters to you how tall I am. This winter is one that shut down an entire Wyoming town because the snow was too deep for our local plows to safely handle and they called in the highway plows one or two times. This winter damaged homes and cars.

One minor damage I did fix was when the cold made my outdoor water spigot so brittle that it cracked open, causing a nice watery issue on that ever so "stable" back porch. Thankful that it was nowhere near a door, but I panicked because at the time, I had four dollars in cash to my name. I was going to use it for snacks at work until payday, as I couldn't actually afford enough food for meals. I ensured my dogs could eat, and I always will.

Thankfully, that $4 was enough for what I needed. This was icy, cold, wet, unpleasant, and... I'm small. My body doesn't like to build fat or muscle. Not eating didn't help. I was rejected for SNAP. I hardly had the strength. While I got everything off the pipe with relative ease, it was taking the two faucets off of the old T-joint that I wound up having to call for help with. My dad sent his apprentice (who is both a neighbor and a friend in small town life) to help me with a tool more proper for the job at hand than my tiny adjustable wrench that was all I had.

I bloody hate asking for help. I feel so guilty and like a user, even if I know better.

There has been no further condensation in the door jamb that scared me, but I still intend to find a ladder tall enough for my little hiney to get to the attic, where I will brave the spiders and bugs to check on my roof. I'm not thrilled for it, but I know it's my responsibility. It makes me itch all over to think about it.

But in the end, the watery mess was stopped and dried. As weather has eased, I've taken my little yard tiller up to the job of a rake to help me clean up the front, back, and side yards. I'm working with what I have and... I have to keep reminding myself it's okay. My parents did offer me a bigger rake. With my roommate and I both working at night (he works 16:00-00:00, I work 22:00 to 06:00) it makes it hard to plan yard work together, but he is willing to help.

I'm going into Spring of 2023 with a LOT on my plate, and a lot ahead. I want to move to Colorado with my boyfriend. But when I bought the house, I promised the ghosts (whom I do believe are real, and do not believe to be malicious in any way) that I'd take care of the house. And damn it, I do want to! It was a victim of the "Landlord Special" plenty of times. I want to give it... Not the landlord special. Something I'd be proud to call mine is what I'd like to make that little, beat up old craftsman into.

I'm starting with the yard. My goal purchase is a new lawnmower, and I might know an electrician or two that can make me an outdoor outlet that's actually up to code so I can get one of those electric ones.

I've got a very basic smart home system, mostly just lighting and music so far thanks to a Google Nest device in my room, and one in Roomie's bedroom, and six, thus far, smart lights. I suppose my dream would be to keep the 1900 looks but throw in the technology and lighting of today. Maybe I can transform my regret into something I love, and feel good about either selling or renting... And while I'm here... Something I feel good about living in!

wednesday, june 22, 2022

i'm broke as fuck and cannot afford to buy microsoft word since my subscription finally expired, so i'm left making journal entries either here or on google docs. nobody follows this blog and i assume nobody reads it, so it's probably fine to just do it here. if you're reading this...idk, why would you?

i finally Finally found a way to get medication. i'm supposedly now being subscribed venlafaxine, which is the anti-anxiety medication i took most recently that seemed to work the best, through an online website thing that's actually advertised on tumblr, which is highly embarrassing. it's supposed to be delivered next week, and it's probably going to take 4-6 weeks to start working, which sucks, but it is what it is. i'm just trying to hold on and not quit my job out of despair in the meantime. i'm currently sitting at home because atlas was exposed to someone with covid and i'm Technically showing symptoms (ie allergies in this rapidly changing spring/summer weather) and i still haven't gotten my pcr results back. i just hope to god i'm getting paid for this because i have seventeen entire dollars in my checking account and zero in my savings and all my money is on my credit card, which is terrifying and upsetting.

however, the bright side is that everything is paid for this month, and i was planning on putting july's rent on my credit card and immediately paying off my portion because i owe atlas almost $900 for my starter. i get paid this friday and i worked almost exactly 40 hours last week, so it should be a good paycheck. i also get paid again on the 1st, so between those two, i should be able to cover rent and everything that comes out at the beginning of the month, which is most of my monthly expenses. i wrote everything out for my remaining paychecks, and i can probably find a way to make my student loan payment due halfway through the month instead of at the beginning so i'm not always paying it late. they haven't charged me late fees yet but i'm worried they may if i continue to pay it late.

i'm floating the idea of working at fedex part time, like two days a week, and bartending or serving at a higher-end restaurant (where i can make $30-40/hour) on friday and saturday nights. this way, i can probably work only 4 days a week with fewer hours, and while it will be a weird schedule, i can work to make it consistent week to week. my paychecks will also be relatively consistent, and i can write during weird hours when the mood strikes me. i don't think i'm a monday through friday, 9 to 5 kind of person, and trying to make myself that way is making me miserable. my job is labor intensive, and it's just plain difficult for me to do 40 hours a week (closer to 60 with an hour total commute every day and unpaid breaks i'm required to take). it's making me deeply unhappy, and i'm just not going to continue to be able to carry on like this for very much longer.

however, i have zero bartending experience (though i do have years of restaurant and food-handling experience) and i'm wondering if it would be a struggle to break in to the industry (in a place where the stress would be worth the pay). i have to make at least $30/hour with tips (before taxes) and preferably closer to $40/hour to make the whole thing worth it, and none of that is guaranteed. i don't even know what the base pay is (though seattle minimum wage is above $17/hour and i think king county is above $16). i think i have to obtain some sort of certification, and since i'm not much of a drinker and don't know popular drinks, there's a lot of learning i'd have to sit down and do. it would also be a heavily customer service-oriented job, and i would likely have to put up with people i don't really want to deal with. my goal is to be at a gay bar, but i imagine those are more in-demand and harder to just get a job at with no actual bartending experience. being at a loud bar surrounded by loud, drunk straight people sounds terrifying, and that's not even to mention, you know, the pandemic.

i just really don't know. i know i can't keep working full-time at fedex forever. i also feel like it's pointless to make the effort of trying to get some sort of planning job. i just feel like i'm going to be become burned out and overwhelmed no matter what i'm doing if i'm trying to do it 40 hours a week. if it was an office/desk job or work from home job, then maybe i could because i could spend some time dicking around, but those either pay $18/hour for grunt work or you need a degree or experience i don't have, and there doesn't seem to be any meaningful in-between area. i literally cannot make less than $25/hour for 40 hours work, and i really, honestly need to work around 30 hours a week for my mental health, and no more than 35. i think working a full, difficult week last week is what literally made me feel sick this week. my body and brain have literally had enough. i pretty much constantly have headaches, i struggle to stay awake almost all the time, my stomach and digestive tract and are almost always upset, and stress and anxiety are taking a toll on almost all parts of my body. i'm literally going to have a heart attack before i'm, like, 32 at this rate.

my dad's voice in my head is telling me that i'm not doing enough, that i need to just "deal with it", but i have to push it out. i have to remind myself that i'm not like him, and i don't have to do what he says. he's quite literally on the other side of the continent, and he can get mad and stay mad about my choices for all that i care. i transitioned and did everything else without his approval, and i can do this too. i know who i am, and i know what i am and am not capable of. it's okay that i'm not like other people. i don't have to be anything other than who i am, even if it's an anxious, sensitive, autistic, "different" person. this world is not built for people like me, and i can (and should) modify it to fit my needs. a monday-friday "normal" workweek is just not for me, and i need to stop trying to force myself to do it. i had to quit the bank after a year and a half (and multiple panic attacks) and i'm probably going to have to quit fedex after 13 months of doing it again. i just can't, and that's okay. i can figure something out. getting on medication and clearing my head a little will allow me to figure things out too, i hope.

i need to try to think about good things. we're going to the seattle pride parade this weekend, and paddleboarding out near north bend. we're also planning a road trip to utah to go to moab, canyonlands, and arches in september. i need to think about the good things that are happening and not the bad. i can figure this situation out. i really did genuinely enjoy working at restaurants, and as long as i'm not doing it all the time, i think it would be manageable (same thing for working for fedex). i can also look into transferring to the renton/kent fedex station so i a) have a shorter commute, and b) can potentially become a swing driver and make $2-3/hour more, since i already don't know the area very well. i could work an 8-10 hour shift monday and tuesday or whatever combination of days they need me. i can probably check on the fedex portal and see if they're hiring part-time swing drivers and/or ask managers about transferring. i could just mention that i moved and also that i have another part time job lined up.

i know that i can make something happen here, and figure things out for myself so that i'm not painfully broke and unhappy. i need to use the things i've learned about myself to move forward, instead of trying to force myself into being someone that i'm not. switching jobs will also give me the opportunity to meet new people, people that i have more in common with and could potentially become friends with, which is another huge problem. working mostly alone sounds great until i don't actually get to meet anyone and then feel awkward around my coworkers constantly and never talk to anyone.

i want to, and i Need to, make a better life for myself.

Our country is now facing its worst crisis in modern history. We are in the midst of a COVID-19 pandemic that could lead to the death of hundreds of thousands of Americans and infect millions of others, and we are entering an economic downturn that could be worse than the Great Depression of the 1930s.

Last week, 3.3 million Americans filed for unemployment. This week that number doubled to 6.6 million claims — ten times higher than any other week on record. It is certain that well over 10 million people have lost their jobs — more than in the Wall Street crash of 2008.

In this unprecedented moment in modern American history, it is imperative that we respond in an unprecedented way. And that means that Congress must pass, in the very near future, the boldest piece of legislation ever written in modern history.

There are many, many issues that must be addressed in our response to this pandemic, and working together, we will make sure they are addressed.

But today, I am outlining a set of six core provisions that must be included in the next legislation Congress passes to support working people in this country during this horrific crisis. Please read them and add your name to say that you agree:

1. Addressing the Employment Crisis and Providing Immediate Financial Relief

There is little doubt in my mind that we are facing an economic crisis that could be even worse than the Great Depression. The St. Louis Federal Reserve has projected that 47 million more people may become unemployed by the end of June, with unemployment reaching 32 percent. In my view, we must make sure that every worker in America continues to receive their paycheck during this crisis and we must provide immediate financial relief to everyone in this country.

An important precedent for that approach was taken in the recent stimulus package in which grants were provided to the airlines for the sole purpose of maintaining the paychecks and benefits of some 2 million workers in that industry through September 30. We must expand that program to cover every worker in America and we must make it retroactive to the beginning of this crisis. This is not a radical idea. Other countries, such as the UK, Norway, Denmark, France, and others have all come up with similar approaches to sustain their economy and prevent workers from losing their jobs.

Our primary goal during this crisis must be to prevent the disintegration of the American economy. It will be much easier and less expensive to prevent the collapse of the economy than trying to put it back together after it collapses.

To do this, we must also begin monthly payments of $2,000 for every man, woman, and child in our country, and guarantee paid family leave throughout this crisis so that people who are sick do not face the choice of infecting others or losing their job.

2. We Must Guarantee Health Care to All

Let’s be clear: we were facing a catastrophic health care crisis before the pandemic, and now that crisis has become much, much worse. Already, 87 million people are uninsured or underinsured. Layoffs will mean tens of millions of people more will lose their current insurance — which will result in countless deaths and bankruptcies. Already in the last two weeks, an estimated 3.5 million people have lost their employer-sponsored insurance.

And as the pandemic grows, we are seeing more and more reports of people who have delayed treatment due to concerns about cost. In this pandemic, uninsurance will lead to deaths and more COVID-19 transmissions.

Therefore, during this crisis, Medicare must be empowered to pay all of the deductibles, co-payments and out-of-pocket healthcare expenses for the uninsured and the underinsured. No one in America who is sick, regardless of immigration status, should be afraid to seek the medical treatment they need during this national pandemic. Let me be clear: I am not proposing that we pass Medicare for All in this moment. That fight continues into the future. But, for the moment, we must act boldly to make sure everyone can get the health care they need in the coming months.

3. Use the Defense Production Act to Produce the Equipment and Testing We Need

Unbelievably, in the United States right now, doctors and nurses are unnecessarily putting their lives on the line treating people suffering from the coronavirus because they lack personal protective equipment like masks, gloves, and surgical gowns. The CDC has directed health professionals to use homemade gear like bandanas or scarves and some workers at the VA are being told to re-use one surgical mask for a week at a time. HHS estimated that our country needs 3.5 billion masks in response to this crisis.

President Trump has utilized the Defense Production Act thousands of times for the military and for enforcement of his immigration policies, yet he has resisted using its power to save lives during the pandemic. That is unacceptable. We must immediately and forcefully use the Defense Production Act to direct the production of all of the personal protective equipment, ventilators and other medical supplies needed.

We must also utilize this power to produce antibody tests so we can begin figuring out who has already contracted the virus and has developed some immunity to COVID-19.

In addition, OSHA must adopt a strong emergency standard to protect health care workers, patients, and the public during this crisis. We must crack down aggressively on price gougers and hoarders, and use any means necessary to secure supplies.

4. Make Sure No One Goes Hungry

Even before this crisis hit, one in every seven kids in America was going hungry and nearly 5.5 million seniors in our country struggled with hunger. Already in this crisis we see lines at food banks and growing concern that our most vulnerable communities and those recently unemployed may struggle to feed their families.

As communities face record levels of food insecurity, we must increase SNAP benefits, expand the WIC program for pregnant mothers, infants, and children, double funding for the Emergency Food Program (TEFAP) to ensure food banks have food to distribute, and expand Meals on Wheels and School Meals programs. When necessary, we must also develop new approaches to deliver food to vulnerable populations — including door-to-door drop offs.

5. Provide Emergency Aid to States and Cities

Even as state and local employees like police officers, firefighters and paramedics work on the front lines of this pandemic, states and cities that pay their salaries are facing enormous budgetary pressures.

Congress must provide $600 billion in direct fiscal aid to states and cities to ensure they have the personnel and funding necessary to respond to this crisis. In addition, the Federal Reserve must establish programs to provide direct fiscal support and budgetary relief to states and municipalities.

6. Suspend Monthly Payments

Even before this crisis, half of the people in our country were living paycheck to paycheck. In America today, over 18 million families are paying more than 50 percent of their income on housing. Now, with growing unemployment, families are facing financial ruin if we do not act quickly and boldly.

That’s why we must suspend monthly expenses like rent, mortgages, medical debt and consumer debt collection for 4 months. We must cancel all student loan payments for the duration of this crisis, and place an immediate moratorium on evictions, foreclosures, and utility shut-offs.

Brothers and sisters: In this unprecedented moment in our history it is easy to feel like we are alone, and that everyone must fend for themselves. But that would be a mistake and a terrible tragedy. Now, more than any other moment in our lives, we must remember that we are all in this together — that when one of us gets sick, many more may get sick. And when my neighbor loses their job, I may lose my job as well.

Top 5  Advantages Of  Beginning A Real Estate  Financial Investment  Service

The  advantages that  feature investing in  property are  almost  countless. Not only do you  need to ability to make a sizable profit on every deal, but  additionally, real estate is  confirming to be a  strong  bush against the stock market and inflation. Some other benefits that are  ensured  ahead with starting a  realty  organization  consist of  yet are not  restricted to:

Tax Benefits. If you  make $100,000 per year at your nine to  5 job and I  gain $100,000 per year from my rental  residential or commercial property,  that gets to  maintain more after taxes? You  presumed it; my rental  residential or commercial property is  exhausted  a lot  reduced because the government rewards rental  homeowner. The government  additionally  supplies lower tax rates on  long-lasting profits  in addition to  various other benefits like  devaluation  as well as the  exemption of self-employment  tax obligation.

Cash Flow.  Investor can  get a substantial  capital from  consistent wholesale or rehab  bargains, but they can  likewise  guarantee themselves a  safe and secure  regular monthly  capital with rental  home deals.  The most effective part  regarding rental  building  capital is that the extra money is  taken into consideration a passive  revenue after all of your  costs are paid. You  reach  gather a  regular monthly paycheck while  handling the  remainder of your investing  company.

Recognition. While you are paying off the  finance of whatever  home you invested in, the value of that  building is increasing or  valuing. While  points like  economic crises  as well as market  variations are bound to  happen, it is  risk-free to  claim that the value of real estate will  enhance over an  prolonged  time period. That being  stated, any  residential or commercial property you purchase today  will certainly be worth  even more 30 years from  currently;  nevertheless, with a fixed-rate  home mortgage, you  will certainly  constantly be paying the same dollar  quantity.

Control.  Probably  the best benefit of starting a  realty  company is the control and pride you feel  because of  having something you created. Your destiny is not  connected to an office on Wall Street or your  firm's CEO; it only  comes from you.  Property investing  places you and you alone in the  motorist's seat of your financial future. With control,  nevertheless,  financiers also need to  find out how to manage their  cravings for  strange  scenarios; or, as Roy Morejon  places it,  business owners  require to "be comfortable with being  awkward." As the president  and also co-founder of Enventys Partners  as well as a serial  business owner, Morejon is well aware of the control entrepreneurs  should exercise over their  feelings.  No matter your  very own experience, "you  need to be comfortable with the idea that you  will not  constantly  understand where you stand  monetarily for a time  duration,"  states Morejon.

Safety and security.  Naturally, investing of any kind will always be associated with some  danger.  Nevertheless,  gradually building a real estate portfolio  in time  suggests that you are  protecting your own future.  Sadly,  way too many individuals today have no specific plan for how they will secure their retirement.  Realty investing is not  just what some say is the fastest way to  leave debt but is an undeniable method of  developing  on your own  numerous streams of  earnings that  will certainly  proceed well into your  retired life years  and also can  also be passed on to future generations.

It is not advised to jump into the  property investing world without  initial  correctly educating yourself. You  have to  discover the best  methods to find  offers, market  on your own,  discuss,  as well as finance deals; however,  when you've mastered those, you'll  get on your way to  preserving a successful  service. So my  companions at CT  Residences  and also I  create a  extensive list of  one of the most  usual questions for you to study before  starting your investing journey. Start from the  leading  and also work your way down and once you  have actually  completely analyzed each question, you  make sure to  currently be ahead of your competition.

Just how much Does It  Expense To Start A  Realty  Service? It's  tough to  identify  precisely how much you  require to  begin a  property business,  yet between $5,000  and also $10,000  must help you  start. The fees to  submit an LLC are  a lot lower--  generally between $40  as well as $500  relying on your state. However, the  remainder of the start-up funds  will certainly cover any  product costs, the time  required to attend events  as well as build a network,  any type of office supplies (such as a  laptop computer),  layout fees for a website  as well as  logo design,  as well as  a lot more. While you don't  always need to spend  cash on any of these  points, they can help you  obtain  extra  severe  concerning your  service.  Plan your  very own budget, taking each of these  prices into account,  and also see what you come up with.  Several  capitalists are  also able to  begin wholesaling  without money.

To learn more about property investments or real estate, visit https://www.learnersdictionary.com/definition/real%20estate or get help from this helpful website at https://lighthaus-ph-marketplace.business.site/.

Not so little anymore...

The following post dives into factors that become part of your plate after you graduate. Keep in mind, the status quo is not always the way to go…read these tips for organizing your jumbled thoughts!

Society has painted and encrypted this picture in our brains of what life is suppose to be. You grow up, go to college, get a high-paying job, work your way up in the corporate world, and then retire at age 65. How does this path guarantee fulfillment and lifelong happiness?

Growing up, my supportive parents allowed me to paint this picture for myself, and make decisions based on what I wanted to do. However, it seems as though the culture of education and society makes it seem like if you don’t follow this path, you’ve ultimately failed.

This gets into my main topic for this week’s post; don’t get too ahead of yourself. As the people who are closest to me had to repeatedly tell me this before I believed it—you can only plan so far in advanced. Life is an ocean more so; the movement of it changes daily. It’s wavy and unpredictable, but that doesn’t mean you can’t plan ahead and still do some research and ride the waves.

If you’ve read my most recent blog post (https://bit.ly/2L3xJoe), you found yourself reading about the four different options on where to go after college. Little did you or I know that this list is far too short. There are so many more options that you can find and read about in this fellow blogger’s post about nine individuals who did not start a full-time job after college (https://bit.ly/2LZFgG3).

So while I say don’t get too ahead of yourself, that doesn’t mean that there aren’t a million thoughts going through your mind when thinking about life after college (I know I think about a hundred thoughts a day about what I am going to do after I graduate this December). This is a guide to help you think about certain factors, besides location, after you get your diploma. What expenses do you need to think of? What if you get a dog? What if your car breaks down? This hypothetical list of different factors will hopefully make all these factors floating around in your head a bit more organized.

Job Search

You have studied your future career content for the past four years, and you are ready to go out and apply your knowledge in the real world. It is recommended that upon graduation, you plan on applying for full-time careers around four months in advance. This gives time for the application to be screened, as well as the interview process to be completed.’

The importance of this factor comes with being clear on your career path, even if you want to experiment with different job opportunities. Your first job won’t always be your last, so please keep that in mind. This is a great factor to consider even prior to graduation, as you want to be independent and start making your own money. Sometimes, getting an internship or job right after undergrad is a great segway into applying and going to graduate school.

Tip: Create a @LinkedIn profile and start building a community of connections. Connect with your professors, people at work, your current classmates and colleagues, and anyone in between. This first step can create great leads to get your foot in the door with a company. Use it as an interactive tool to communicate with professionals and land opportunities. You can even download the app for more instant notifications!

Create a credit history

If you haven’t done so already, it is a great idea to start building up your credit upon graduation. To do this, apply for low-interest rate credit cards to use for regular expenses. Some regular expenses can include rent, gas, groceries, etc. The more you use this card, the more credit you can build. If you pay on time or in full payments, this can also increase your credit score.

The reason that this made the list of factors to consider when moving on with life after college, is because student loans can be a handful. Building this score can help dedicate you to paying something regularly.

Tip: To manage your credit history, download the app of the current provider of your card. This way, you are able to view the five factors that are used to calculate credit scores—payment history, amounts owed, length of credit history, new credit, and types of credit. This app can remind you to make payments online and in time.

Budget

From talking about credit above, one thing that is also good to consider is creating a budget plan once your graduate. Since you will most likely be completely independent with many more expenses, planning out a monthly budget is going to work in your favor. Having a budget plan is a great way to tell you what you are able to spend money on and when.

This planning tool is most utilized when created before graduation. Hopefully at some point during your last semester, you will have an idea of where you will be living, what you will be doing, or what your plans are for the next chapter in life. Creating this plan earlier on can save you mistakes when the money and bills start adding up.

Tip: If you use Microsoft Office, creating a simple excel sheet is the best way to manage this. They already have a template that you can use and customize for your needs. This makes it easy to manage and definitely sharable for a partner or significant other that you can both manage together.

Bills

Living at home really makes us oblivious to the expenses that go into maintaining a house and cost of living, simply because we are not responsible for dealing with it. However, after college, when we move out completely from the nest, these bills become ours.

Rent is one that most of us are use to paying, and if you’re lucky like me, your college rent for the past few years has only been about $350 a month. This is relatively cheap when comparing other college towns and other cities as well. One way you can budget and manage this is maybe looking for a place where the heat, electricity, and water are included in the rent price. This would save you monthly bills that start to add up during the cold and hot months of the year.

Some other bills that you might be forgetting are your wifi, student loans, transportation, groceries, insurance, and cable (although this one may seem a little out of date). Don’t let these bills stack up, and see what offerings they may have for bundle packages.

Tip: Pay your bills online! A lot of companies actually give you some sort of incentive if you use paperless billing, and it is definitely beneficial so all these bills just don’t add up in a pile and you forget about them. You can set reminders on your phone and alerts when bills are due and this makes it so everything is in one place. Also, it is better for the environment too!

Living Expenses

Once you have that steady income from your first big girl or big boy job, it may be more tempting to go out to that happy hour once a week, buy those concert tickets, by a new outfit for the concert, and who knows, maybe even adopt a dog from your local shelter.

These personal living expenses are a luxury to a new graduate, as you have never seen a monetary value that high on a paycheck before. If you’re like me, you’ll want to spend money on other people as well; paying for their dinner, buying them a drink, sending your mom flowers, or buying your boyfriend that thing that he has been talking about forever. Keep in mind that this can also start to add up—so be smart and balance what you spend on yourself and what you spend on others.

Tip: Make a list of three additional personal expenses that you can make every month. For me this month, it is going to be something for my boyfriend, concert tickets, and a nice dinner. These things are out of the ordinary bills and just over personal expenses. Change it up every month so you are rotating what you buy!

So here are just some of the factors to consider when graduating. Did I miss things? For sure. You can’t expect to have a solid list of everything that is going to be on your plate as soon as you graduate. All of these factors are different for everyone, and certain expenses may be more or less depending on the situation at hand.

To come full circle, don’t let the idea of what a perfect life is make you plan these things out so cut and dry. All of these things listed above are variable, and you can only plan so far in advance. To tie in my other posts, follow your heart. Your brain has the picture of what it’s suppose to be, your heart has a picture of how it’s meant to be.

One last tip to leave you with: Write down three gratitudes that you have every day for the next week. You will find that in this short amount of time, you will know what makes you happy. Keep these gratitudes close to your heart, and all these expenses, decisions, and new pages will come easy.

Rise on the Prices and it’s Effects on Brazilian Poor's via /r/communism

Rise on the Prices and it’s Effects on Brazilian Poor's

This post is an effort to share what is going on in Brazil, from a Marxist perspective, since most of the international news leave information out on purpose, to share how millions suffered in this pandemic because Bolsonaro liberalism policy. Feel free to share any criticism since this is my first post and English is not my first language.

How is it possible for “the granary of the world” to experience price increases?

There is an agency called Conab that is responsible for stockpile, information on agriculture, policies on prices, etc. On day 13/14 of last month we experienced a spike on productivity from 3.602 to 3.912, meaning that our harvest had increased, it actually broke records this year, producing 257.8 millions of tons (on grains only), 4.5% more the last year the same time.

Why our country saw an increase of 20% on basic products like rice? This could be explained with the short answer that companies chose to export to the international market because the dollar had increased, meaning they would have a bigger profit on sales.

Due to the current government closing distributions points that supply entire communities and reducing our stockpile throughout the years, beans and soy had their stockpile brought to zero in 4 years (2016-2020) as you can see here, other type of grains also had a drop of about 96%. Citing José Guilherme Vieira, an economist from Paraná University, “The reduction on stockpile was completely wrong. The formation of stocks are a guarantee the people can have food, it’s food safety and price regulation.” A liberal policy caused all of this, because they were “following market rules”. The government excuse was that it has a high maintenance cost, they chose to gamble our food stocks in order to “liberalize” the economy more.

What were the consequences?

Most of low-income families spend the largest amount of their paycheck on food, I will leave this article here from 2015 that goes deeper into it, I will leave the price of gas, transport and rent out of this because we are focusing on food solely, but they had an impact as well.

Meat had the price elevated by 3.42%, rice by 10%, milk by 5.60%, beans had a fall on August but their price increased by 30% since then; a package about 5kg of rice is 15R$ (2.67 US dollars) it went up to 40-45(7.13 US dollars) depending on the region, low-income families make about 1$ per day of work, so it isn’t enough for a family to have health daily intake.

The average worker had a decrease about 20% on his monthly paycheck, with the most affected being black families and indigenous (natives). You can check on this study here for more in depth information on different shares of the population. The results were that the majority chose to work informally, on exploitive jobs, such as Uber for example, otherwise they would not have enough money to buy food and all other necessities required.

During this period, 42 billionaires had their fortunes increased by US$ 48,2 billion, about R$ 265,5 billion converted to Brazil currency; the rich were the least affected in this pandemic, because the government decided to throw all the responsibility on low income families and middle class. Bolsonaro made a speech on the UN and I quote, “Our government boldly implemented several economic measures that prevented the greatest evil – Provided emergency aid in plots that add up to approximately US$ 1,000 for 65 million people, the largest assistance program for the poorest in Brazil and perhaps one the largest of the world…”

Bolsonaro provided US$ 100 for the 65 million, minimum wage is around 186 US dollars as I’ve stated before, the ideal minimum wage to live a comfortable life, being able to afford everything needed, would have to be around US$ 790, for a family of 4 people. The result is that most families received less than minimum and now the government decided to cut 50% of the emergency aid, eventually cutting it from R$600 to R$300.

Most of the sources provided are in Portuguese or at least have some part of it in Portuguese, I would be happy to make a translation to all of it if someone is interested.

Submitted October 07, 2020 at 08:35AM by NyxxSixx via reddit https://ift.tt/3jGMlvv

Burgeoning ‘green shoots’ bring hope for an economic recovery

The last time I used the term “green shoots” was the late spring and summer of 2009. Like everybody else, I was looking for signs of economic life after the global financial crisis and searching for indications that the US and other developed countries were rising out of the economic ashes like a phoenix. And now, 11 years later, I find myself again looking for — and finding — encouraging signs of recovery in the US and other major developed countries. In this week’s blog, I focus on some of the green shoots that I’ve seen in the last several weeks.

US: The May jobs report stuns, while automakers report a rebound

Let’s start with the most recent US jobs report. To say it provided a positive surprise is an understatement. The creation of 2.5 million nonfarm payrolls1 in May and the drop in the unemployment rate was incredibly unexpected — even jaw-dropping.

Now, there is a footnote to this jobs report. There was a classification error that made the unemployment rate look better than it actually was. Some furloughed employees, who should be classified as unemployed, were misclassified as employed. It turns out this happened in both April and May.  If the Bureau of Labor Statistics were to correct the classifications, it seems that unemployment would have been five percentage points higher in April (19.7% instead of the reported 14.7%) and three percentage points higher in May (16.3% instead of the reported 13.3%).1 The good news is that the May jobs report was still a very significant improvement over April. Green shoots.

But it’s not just the jobs report. Take auto sales in the US — an area that many (including me) expected to be in a catatonic state for months. May US car sales showed significant improvement over April — and for many automakers was better than expected. For example, Hyundai car sales were down just 12.9% compared to May of 2019 — Hyundai described it as a “remarkable retail sales rebound.”2 Toyota saw a May auto sales drop of 25.7% year-over-year, but that was a drastic improvement over April when Toyota experienced a sales drop of 55.7%.2 The rebound has been powerful enough that US automakers are even planning to keep factories open and working through their normal annual summer shutdown.

Canada: Job creation bounces back in May

There were green shoots to be seen in Canada with its jobs report. In May, 290,000 jobs were created, and hours worked increased a significant 6.3%.3 While the unemployment rate rose from 13.0% to 13.7%,3 that merely indicates more people are actively seeking jobs. Quebec was responsible for a large portion of the jobs created, given its faster rollback of lockdowns.

Europe: Manufacturing and services activity improve in May

And there are green shoots in Europe, which I estimate to be approximately two to three weeks ahead of the US in terms of its recovery. The final Eurozone Composite Purchasing Managers Index (PMI) for May was 31.9 — a significant improvement over the 13.6 reading for April.4 Both manufacturing and services have started to see improvement. Manufacturing PMI rose from 33.4 in April to 39.4 for May. Services PMI rose from 12.0 in April — a terrible reading that reflected the nature of this crisis, a shutdown largely in the service economy — to 30.5 in May.4

China: Economic indicators continue to rise

We of course have seen Chinese economic data rebounding in the last several months. That’s no surprise given that COVID-19 appeared in China first and, with effective measures in place to control the virus, China was already rolling back its stringency measures in March (most Chinese economic data bottomed in February). The private Caixin China General Manufacturing PMI was 50.7 in May, up from 49.4 in April.5 Non-manufacturing PMI was 55.0 in May, up from 44.4 in April.5 A variety of indicators, including pollution unfortunately, are suggesting China is experiencing a substantial recovery.

Now I would be remiss if I didn’t point out that one issue is manufacturing in Asia. It is showing some weakness, as Western economies that are behind Asia in terms of recovering are buying fewer manufactured goods from Asia. South Korea in particular has been hit hard by this — manufacturing PMI for May was 41.3, which is a drop from April’s reading of 41.6.6 In China, the official government manufacturing PMI is also showing an impact: It fell to 50.6 in May from 50.8 in April.7 However, I expect manufacturing in Asia to improve from here — May should be the bottom — given that Western economies are on the mend.

Conclusion

My takeaway is that, despite the ferocity of the pandemic and the ensuing severe drop in economic activity, the recovery appears to be gathering steam for a number of major economies. And so far, fiscal policy has supported this. For example, the job gains in the US and Canada are likely attributable in significant part to the Paycheck Protection Program (PPP) and the Canada Emergency Response Benefit (CERB) program, respectively.

But therein lies the problem. Some policymakers will look at the results of recent progress and conclude that no more fiscal stimulus is needed. To the contrary — I believe that recent economic data proves that fiscal stimulus is needed. CERB payments currently last a maximum of four months, so those who began receiving payments in April will not receive payments after July; PPP lasts for eight weeks (in other words, PPP loans are currently fully forgiven if businesses keep employees on the payroll for just eight weeks). Further, one area of disappointment in the US jobs report was government jobs. I believe that’s a sign of the stress that state and local governments are under; without fiscal support from the US federal government, we are likely to see more in the way of job losses.

The EU realizes that more fiscal stimulus is needed; hence the recent proposal for substantial fiscal support despite improved economic data. China also is planning more fiscal stimulus even though economic data is improving. In short, it’s clear to me that fiscal stimulus needs to continue, or else the economic situation could quickly deteriorate. What’s more, economies need to be prepared for the potential of a second wave of infections. Fiscal stimulus programs should be on standby, ready to be deployed or increased in order to combat another shutdown. Thus far, most major economies have been agile and generous in their fiscal stimulus; that needs to continue or else green shoots could quickly wilt and die.

1 Source: US Bureau of Labor Statistics, June 5, 2020

2 Source: CNBC.com, “U.S. auto sales rebound somewhat from dismal April as states lift coronavirus restrictions,” June 2, 2020

3 Source: Statistics Canada, June 5, 2020

4 Source: IHS Markit, June 3, 2020

5 Sources: Caixin, IHS Markit, June 1, 2020

6 Source: IHS Markit, June 1, 2020

7 Source: National Bureau of Statistics of China, June 1, 2020

Important information

Blog header image: Credit:  Carolyn Lagattuta / Stocksy

The Eurozone Composite PMI® (Purchasing Managers’ Index) is produced by IHS Markit and is based on original survey data collected from a representative panel of around 5,000 manufacturing and services firms. National manufacturing data are included for Germany, France, Italy, Spain, the Netherlands, Austria, the Republic of Ireland and Greece. National services data are included for Germany, France, Italy, Spain and the Republic of Ireland.

The Caixin China General Manufacturing PMI

is compiled by IHS Markit from responses to questionnaires sent to purchasing managers in a panel of around 500 private and state-owned manufacturers.

The IHS Markit South Korea Manufacturing PMI® is compiled by IHS Markit from responses to monthly questionnaires sent to purchasing managers in a panel of around 400 manufacturers.

The Paycheck Protection Program is a US Small Business Administration loan program to help businesses keep their workforce employed during the COVID-19 crisis.

The Canada Emergency Response Benefit (CERB) gives financial support to employed and self-employed Canadians who are directly affected by COVID-19.

The opinions referenced above are those of the author as of June 8, 2020. These comments should not be construed as recommendations, but as an illustration of broader themes. Forward-looking statements are not guarantees of future results. They involve risks, uncertainties and assumptions; there can be no assurance that actual results will not differ materially from expectations.

from Expert Investment Views: Invesco Blog https://www.blog.invesco.us.com/burgeoning-green-shoots-bring-hope-for-an-economic-recovery/?utm_source=rss&utm_medium=rss&utm_campaign=burgeoning-green-shoots-bring-hope-for-an-economic-recovery

Day 1 - Discussing the Plan

(Pt 1) (Pt 2)

Worker Steve: -scribbles what is likely some sort of title to separate the new chain of notes from the previous one- “Alright then, sir... You said that you were not content with the entrance. You found an issue with the stairs, and feel that misters and shade need to be provided. Explain?”

Mr. Merica: “AH, YES. ANOTHER GOOD INQUIRY, WORKER STEVE. ONE WHICH IS VERY EASY TO ANSWER. I FEEL THAT THERE IS NO REAL NEED FOR STAIRS, WHEN IT IS SO MUCH EASIER TO TRAVEL ALONG A GRADUALLY ELEVATING SLOPE. I ALSO WANT TO CALL ATTENTION TO THE FACT THAT LESS DAMAGE WILL OCCUR BY TRIPPING AND FALLING UPON THE SLOPE, THAN BY FALLING UPON THE STAIRS. AS THE POINTED EDGES IN THE CONCRETE COULD POTENTIALLY CAUSE DAMAGE TO BE MORE SEVERE IN ANY LOCATION OF IMPACT.”

Worker Steve: -shakes his head ever so slightly whilst writing this down- “While that is admittedly a good point, considering that there have been multiple cases of people being hospitalized as a result of falling down the stairs... I... Well, I guess I can’t think of a good counter-statement to try and talk you out of this. The best I could do is think of the cost, but, I do believe that it would be cheaper to have a ramp established than it will be to have the doors and bathrooms remodeled. I expect that you have an argument for that?”

Mr. Merica: “THAT IS A CORRECT ASSUMPTION, WORKER STEVE. AS YOU KNOW, THE PRESIDENT MAKES A GREAT DEAL OF MONEY WHILE IN OFFICE. I HAVE ALREADY DONE THE MATH AND HAVE CONCLUDED THAT I CAN AFFORD TO PAY FOR A GREAT DEAL OF THESE RENOVATIONS, USING MY OWN MONEY. I KNOW HOW MUCH I AM EXPECTED TO MAKE ON A DAILY BASIS. I COULD PAY TO HAVE ALL FOUR-HUNDRED AND TWELVE DOORWAYS WIDENED, AND STILL HAVE A NICE AMOUNT OF MONEY LEFTOVER FOR THE MONTH. BUT I ALSO UNDERSTAND THAT WE NEED TO TAKE STEPS TO GET ALL OF THESE TASKS DONE.”

Worker Steve: -slightly caught off guard by some of these details- “Wait... You are being paid a legitimate salary to act as president? Forgive me if I seem rude, sir, but, I have never known a Pokemon to accept money. To my knowledge, Pokemon have distinct means of earning their place in the world? Some prefer to stay wild and behave as pets, while others, like you, learn to speak and live alongside of humans as equals. How exactly do Pokemon earn their value?”

Mr. Merica: “I TAKE SLIGHT OFFENSE IN THAT LAST INQUIRY, WORKER STEVE, BUT CAN UNDERSTAND YOUR CONFUSION AND CHOOSE TO FORGIVE YOU. CURRENTLY, POKEMON EARN WHAT IS CALLED A ‘WAGE EQUIVALENT’, WHICH MEANS THAT HUMANS APPLY A MONETARY VALUE TO THE SERVICES WHICH WE PROVIDE. THAT VALUE IS DETERMINED BY SUPPLY AND DEMAND, AS WELL AS THE OVERALL QUALITY OF THE PERFORMANCE. I CAN PROVIDE AN EXAMPLE. WHILE I WAS PREPARING TO MAKE MY ATTEMPT AT BECOMING THE PRESIDENT, I OFTEN WORKED ON CONSTRUCTION SIGHTS. BECAUSE I AM A VERY STRONG POKEMON, I WAS ABLE TO DO MY JOB EASILY AND EFFECTIVELY, AND AS SUCH I WAS EARNING THE EQUIVALENT OF TWENVY-SIX DOLLARS AN HOUR. I HAVE SUCCEEDED IN EARNING A GREAT DEAL OF ‘CREDIT’, WHICH IS THE LEFTOVER VALUE FOLLOWING TAXES AND EXPENSES. I OWN MY LAND AND ONLY PAY A SMALL AMOUNT IN PROPERTY TAXES AT THE END OF EVERY YEAR... FORGIVE ME I REALIZE I HAVE GONE TO FAR INTO DETAIL. I SIMPLY WANTED TO HELP YOU TO UNDERSTAND HOW POKEMON FUNCTION IN SOCIETY.”

Worker Steve: -awkwardly tapping the paper with his pen as he attempts to do the mental math- “That’s... What? So an eight hour day at that wage. Multiply that by seven... Take out, about... I guess twenty-nine percent of that could be taxed overall... So, that’s about one-thousand and thirty-four dollars per weekly paycheck. But, construction workers generally work twelve hour days, so I could estimate that you would be getting an additional three hundred dollars, minimum in that event...”

Mr. Merica: “ARE YOU ALRIGHT, WORKER STEVE? YOU HAVE BEEN MUMBLING TO YOURSELF. I HEAR NUMBERS AND ODD THINGS. HAVE I ADDED TO YOUR CONFUSION?”

Worker Steve: -startled out of his thoughts- “OH! Sorry, sir. I was trying to do the math... You are definitely off in terms of how much you were making before you started here. There is... Definitely a drastic change. I expect that you’ve been living comfortably on your, typical wage?”

Mr. Merica: “YES. DUE TO MY ONLY NEEDING TO PAY FOR PROPERTY TAXES AND FOOD, I EASILY MADE MORE THAN ENOUGH TO GET BY. BUT NOT ALL POKEMON CAN GET BY THAT LUCKY, AS NOT ALL POKEMON ARE STRONG ENOUGH FOR SUCH EXTENSIVE MANUAL LABOR. POKEMON CURRENCY IS REFERRED TO AS ‘WAGE EQUIVALENT’ BECAUSE IT WILL BE EQUAL TO WHAT A HUMAN AUGHT TO EARN FOR PERFORMING THAT TASK WITH A SPECIFIC LEVEL OF SKILL. MANUAL LABOR EARNS MORE THAN OTHER WAGES.”

Worker Steve: -fighting the urge to bite the end of his pen- “Wait, you don’t need to pay for water or electric? Or heating?”

Mr. Merica: “NOT DIRECTLY, NO. POKEMON CREDIT IS TAXED DIFFERENTLY. FOR EXAMPLE, WE DO NOT REQUIRE MEDICAL INSURANCE. SEEING AS MEDICINES EXIST WHICH HEAL MOST AILMENTS WITHIN A MATTER OF MINUTES. I KEEP A STEADY SUPPLY OF THOSE AT HOME, IN THE EVENT THAT I GROW ILL. POKEMON ARE ALSO INCREDIBLY DURABLE AND CAN BOUNCE BACK FROM SICKNESS FASTER THAN HUMANS CAN. WE CONCLUDED THAT WE WOULD NOT NEED ANY MEDICAL COVERAGE, WHEN THESE MEDICINES ARE EASY TO GET A HOLD OF AND CHEAP TO MAKE. ESSENTIALLY, ELECTRIC, HEATING, AND WATER CHARGES ARE TAKEN OUT OF MY PAYMENT AUTOMATICALLY BASED UPON A TAX SYSTEM. I SUPPOSE IT IS ONE OF THOSE UNFAIR PERKS OF BEING A POKEMON LIVING IN A WORLD OF HUMANS.”

Worker Steve: “Well, I suppose that when we take into account that Pokemon can provide us with safe electricity, water, and heating, it is somewhat redundant to make you pay for it. Chances are that a good portion of your, lets call them household taxes, are somehow converted back into human currency for us to use.”

Mr. Merica: “THAT IS PROBABLY ACCURATE. IN WHICH CASE, MY ISSUE WILL BE NOT KNOWING THAT THAT CONVERTED CURRENCY IS PUT TOWARDS. I INTEND ON FINDING OUT, AND REDIRECTING THE PLACEMENT OF THAT EXCESS FUNDING... BACK TO THE HYGIENE PRODUCTS, FOR EXAMPLE. I WOULD RATHER MY AUTOMATICALLY DEDUCTED CREDITS GO TOWARDS HELPING TO PROVIDE SUCH PRODUCTS TO HUMANS, THAN FILLING THE POCKETS OF THE RICH... I UNDERSTAND THAT THERE WOULD BE OTHER SUCH USES FOR THE EXCESS FUNDING BROUGHT ABOUT BY POKEMON, BUT CURRENTLY I AM STILL BAFFLED BY THE FACT THAT EMPLOYERS LEGITIMATELY CHARGE THEIR EMPLOYEES FOR BUNDLES OF COTTON AND NOT ROLLS OF TOILET PAPER. I CANNOT FIND THE LOGIC IN THAT.”

Worker Steve: -resisting the urge to roll his eyes- “Yes, you have quite established that... And, on an additional note to place on that. As understanding as you are proving to be, there is no guarantee that the employees will be the same. I am going to establish that we put these products directly in the stalls, rather than out in the open. Just to prevent any... Potentially avoidable bullying.”

Mr. Merica: “YES, GOOD. THAT IS A VERY CONSIDERATE COURSE OF ACTION, WORKER STEVE. YOU ARE DOING WELL TO LEARN TO THINK WITH AN OPEN MIND.”

Worker Steve: -whilst writing down the additional note about the stalls- “Not so much an open mind as a logical one. If people of the Trans community happen to be harassed similarly to homosexuals, then it stands to reason that putting tampons on the wall of a men’s restroom for a man with a vagina to try and take, brings risk of them being seen by someone who is not accepting of their... Situation. Allowing these individuals to attend to their needs in private will reduce the chances of witch hunts.”

Mr. Merica: “WHAT IS A WITCH HUNT?”

Worker Steve: “Weeee will get back to that comment on a later date.” -clearly not ready to get into THAT discussion- “Back to the task at hand. If you are intent on using the human currency to help to pay for these changes, then technically I can find no reason to state that we cannot afford to go through with it. I can only remind you that whoever comes into office after you, may decide to undo a few of your changes.”

Mr. Merica: “IF I HAVE SUCCEEDED IN GETTING THE U.S GOING ALONG THE PROPER PATH, THEN IDEALLY, MY SUCCESSOR WOULD NOT CONSIDER TAKING SUCH ACTIONS WHEN IT COMES TIME FOR ME TO RETIRE FROM MY PLACEMENT HERE. BUT I AM ALSO WILLING TO TAKE THE RISK OF MY WORK BEING UNDONE. AS IT IS BETTER TO TRY AND FAIL, THAN TO NEVER HAVE TRIED AT ALL. IT WOULD ONLY BE INEVITABLE THAT SOMEONE WOULD LOOK ONTO MY WORK, SPOT WHERE I FAILED, AND THEN ATTEMPT TO CONTINUE. I WANT TO MAKE CHANGE. EVEN IF I ONLY END UP BEING INSPIRATION TO SOMEONE WHO WILL SUCCEED IN MAKING THESE CHANGES, I WILL HAVE DONE MY DESIRED JOB.”

Worker Steve: “That is an incredibly bright means of looking at this situation, sir. I can applaud you for that...” -scribbling more on paper- “One last question on this particular subject... I can understand the ramps. I can understand the desire to remove stairs... And the desire for more shade. There is some genuine logic in this. I cannot quite understand the desire for the misters.”

Mr. Merica: “OH. THAT ONE IS ANOTHER SITUATION WHERE I AM TRYING TO BE CONSIDERATE FOR THE WORKERS. WE HAVE PEOPLE THAT COME HERE REGULARLY MAKING HEAVY DELIVERIES. EVEN THE REGULAR STAFF OFTEN WIND UP TRAPPED OUTSIDE IN THE HEAT. I SIMPLY FELT THAT PEOPLE MIGHT APPRECIATE THE RELIEF THAT MISTERS MIGHT PROVIDE THEM IN THE MIDST OF THESE SITUATIONS.”

Worker Steve: “... So, this one is not done for reason, but for want? Just to be... Nice?”

Mr. Merica: “YES.”

Worker Steve: “You do not consider this to be frivolous spending, considering that you could put that money towards... More important subjects of concern?”

Mr. Merica: “WELL, TECHNICALLY I WOULD BE USING MY POKEMON CREDIT TO PAY FOR THE MISTERS. AS IT WILL BE POKEMON WHICH INSTALL THEM. THEY ARE SURPRISINGLY CHEAP TO KEEP RUNNING ONCE THEY HAVE BEEN INSTALLED, AND ARE EASY TO FIX... I SUPPOSE IT COULD BE CALLED A LOOPHOLE? I HAVE ALSO FOUND THROUGH PAST EXPERIENCES, THAT THE MISTERS THEMSELVES GENERALLY ADD ONLY A SLIGHT INCREASE IN A MONTHLY WATER BILL. USUALLY LESS THAN FORTY DOLLARS A MONTH, ESPECIALLY IF THEY HAVE BEEN SET UP TO ONLY TURN ON AT SPECIFIC TIMES. LIKE DAYS WHERE IT REACHES A SPECIFIC TEMPERATURE, OR ON RANDOM INTERVALS SO AS TO MAINTAIN THE TEMPERATURE OF THE AIR WITHOUT USING EXCESS WATER. THE POKEMON I PLAN ON HIRING ARE EXPERTS AT THIS. IT WILL BE INCREDIBLY AFFORDABLE, EVEN AFTER I LEAVE.” -It is very clear that he is proud of his current plan-

Worker Steve: “That is... Well, I suppose it is an incredibly thought out gift. I can’t say that the employees would not like it. Seeing as you are paying for the legitimate installation through Pokemon credit and not any sort of government funding, I really can’t offer an argument. More so, if there will be no drastic changes in the water bill while they are in use.”

Mr. Merica: “OH, IT WILL BE PERFECTLY AFFORDABLE. I DON’T SEE WHY SO FEW HUMANS PUT POKEMON CREDIT INTO USE.”

Worker Steve: “I lack an understanding of that statement?”

Mr. Merica: “WELL, SINCE POKEMON DON’T EARN HUMAN CURRENCY, AND HUMANS GENERALLY DO NOT PAY POKEMON WITH HUMAN CURRENCY, THE BUILD-UP HAS TO START SOMEWHERE. FOR EVERY DOLLAR EARNED ON THE JOB, A HUMAN ALSO EARNS THE CREDIT WHICH IS USED TO PAY POKEMON WORKERS. THAT IS WHERE THE PHRASE ‘WAGE EQUIVALENT’ SUCCEEDS IN PLAYING IN. IF YOU EARN TEN DOLLARS AN HOUR IN HUMAN MONEY, YOU ALSO EARN TEN DOLLARS IN POKEMON CREDIT. THE CREDIT ALSO GETS TAXED, SO AS TO MATCH YOUR SALARY. SO, IF YOU GET THREE HUNDRED DOLLARS ON YOUR PAYCHECK EVERY OTHER WEEK, YOU HAVE ALSO EARNED AT LEAST THREE HUNDRED DOLLARS WORTH OF POKEMON CREDIT. EVERYONE WHO EARNS MONEY HAS IT, BUT, FOR SOME REASON MANY HUMANS SEEM TO BELIEVE THAT ONLY SPECIFIC PEOPLE ARE CAPABLE OF USING THIS CREDIT TO PAY POKEMON.”

Worker Steve: “So... Essentially, the people were somehow misinformed and believe that only business owners and other people of that rank, are able to use Credit to pay Pokemon for work... When really, all humans automatically earn this otherwise useless currency on some level, and they could put it towards important renovations?”

Mr. Merica: “THAT SEEMS TO BE HOW IT IS. I HAVE TRIED EXPLAINING THIS TO MANY PEOPLE, BUT SO FEW BELIEVE ME. I AM IN THE MIDST OF LOOKING FOR A MEANS OF HELPING PEOPLE TO UNDERSTAND ALL OF THIS. THE KNOWLEDGE AND ABILITY TO USE THESE CREDIT WOULD BE MORE THAN ENOUGH TO ALLOW AT LEAST A THIRD OF THE PEOPLE LIVING IN POVERTY, WOULD BE ABLE TO EXPERIENCE A DRASTIC IMPROVEMENT IN THEIR LIVES. BECAUSE THEY DO NOT REALIZE THAT THEY ARE HOLDING THREE-THOUSAND DOLLARS WORTH OF POKEMON CREDIT. THE ABILITY TO USE THAT CREDIT COULD DETERMINE WHETHER OR NOT A FAMILY WILL HAVE ENOUGH MONEY TO FEED AND CLOTH THEM FOR THE MONTH.”

Worker Steve: “That is... I am astonished by this information. More so by the idea that you’ve been unsuccessful in helping people learn about this. Especially seeing as you somehow succeeded in becoming president.”

Mr. Merica: “WELL, THE STATEMENT SEEING IS BELIEVING COMES TO MIND. PEOPLE ARE FAR MORE WILLING TO BELIEVE THAT A POKEMON CAN BECOME PRESIDENT WHEN THEY SEE HIM ON THE CANDIDATE ROSTER, THAN THEY ARE TO BELIEVE THAT THEY HAVE A SMALL FORTUNE’S WORTH OF POKEMON CREDIT HIDDEN IN THE BACK OF THEIR BANK ACCOUNT. ESPECIALLY WHEN NO SIGNS OF THESE CREDITS BEING PAID IS LISTED ANYWHERE UPON THEIR CHECKS. THIS IS AN INVISIBLE CURRENCY, AS FAR AS HUMANS ARE CONCERNED.”

Worker Steve: “Goodness... If this is true, there are thousands of households in the world that could potentially establish a more suitable living environment. The price of repairing a car or a home often exceed the price of maintenance tenfold. Being able to get these repairs without needing to go without other essential products, can make or break the welfare of a family.”

Mr. Merica: “YOU WILL HELP ME TO HELP ALL OF THOSE PEOPLE, RIGHT? I HAVEN’T THE SLIGHTEST IDEA OF HOW TO PROCEED WHEN ALL OF MY PREVIOUS ATTEMPTS HAVE FALLEN SHORT.”

Worker Steve: “Yes, I will help. That is my job, after all. I’m sure there’s a simple solution. One that you’ve struggled to find for, basic reasons.” -he scribbles something on the back of the paper, circling in- “This has definitely been an eventful workday. I can’t quite say that that the public would find your ideas agreeable, but, we can also argue that you’re technically not spending any tax dollars to fix this place up. You’re using your salary to cover the costs; which you have every legal right to do. My only major question now is, why they’re paying you with human money to begin with.”

Mr. Merica: “OH, THAT ONE IS SIMPLE. I AM THE FIRST POKEMON PRESIDENT. EVERY PRESIDENT PRIOR TO ME WAS GIVEN HUMAN CURRENCY. WHEN THEY ASKED WHETHER OR NOT I WANTED TO REFUSE THE HUMAN MONEY, BECAUSE IT WAS TECHNICALLY OF NO VALUE TO ME, MY ANSWER WAS NO. THEY HAVE SEEMINGLY FAILED TO NOTICE THAT I AM TECHNICALLY EARNING BOTH FORMS OF CURRENCY NOW, THANKS TO THAT CHOICE. THIS ALLOWS ME TO FUND MULTIPLE PROJECTS. SOME THAT BENEFIT HUMANS, SOME THAT BENEFIT HUMANS AND POKEMON.”

Worker Steve: “So... Wait. How exactly do we convert the Pokemon Credit, back to Human Money?”

Mr. Merica: “WE ACTUALLY HAVE MORE ITEMS OF VALUE IN THE TREASURE HOLD THAN YOU THINK. YOU WOULD BE SURPRISED AT THE TREASURES HUMANS HAVE COLLECTED FROM POKEMON. NATURALLY THE TOTAL AMOUNT OF MONEY CAN NEVER EXCEED THE VALUE OF THE TREASURE HOLD... SO IF THE TOTAL VALUE IS FOURTEEN BILLION, FOR EXAMPLE. THE COMBINED VALUE OF HUMAN CURRENCY AND POKEMON CREDIT, WILL NOT EXCEED THAT NUMBER. SOMETIMES THERE IS MORE HUMAN MONEY, SOMETIMES THERE IS MORE POKEMON CREDIT, BUT THE VALUE DOES NOT CHANGE UNLESS SOMETHING CHANGES WITH THE TREASURE HOLD.”

Worker Steve: “That, makes a surprising amount of sense, considering how humans came to determine physical value of items.” -there follows a few short scribbles, followed by an awkward change of stance.- “I... Suppose that now is a good time to call for an end to the work day. We can resume with discussions and planning, tomorrow.”

Mr. Merica: “YES. THANK YOU, WORKER STEVE. YOU MAY GO TO YOUR HOME AND REST NOW. HAVE A PLEASANT EVENING.”

Worker Steve: “Well, night. But, thank you. I shall see you come clock in, tomorrow.” -as such he attempts to casually make his leave, but the president is to lost in thoughts to pay any attention to his hasty body language-

How much can you survive on in Japan?

It’s that time of year in Japan when the end of winter transitions to a new year of spring, students graduate and a new school year begins a month later. That means an influx of many new teachers from overseas will be coming to Japan to start their new life living abroad. And one of the most common questions that I seem come up for those who are making their final preparations to move: How much money do I need to bring with me? 

(This is going to get super long, so please click the read more below to continue!)

You would think that because you have been given a job that wouldn’t have to worry about readying any cash to bring with you on the trip, but depending on what company or program you sign on with, you should prepare yourself to have some cash on you for initial living expenses, potential setup costs, and even emergency situations. 

Bring 500,000 yen to Japan? Whoa, whoa! I don’t have that kind of money! I can’t speak for every company or program available, but I can relay my experience with Interac, which is one of the most popular companies for dispatching ALTs out there. Unlike the JET program which pays for your plane ticket and maybe some other expenses I’ve forgotten about, Interac requires you to pay it all. They strongly recommend that you bring a total of 500,000 yen (or about $5000 equivalent depending on the exchange rate). 

I personally brought $5000 which happened to be 491,300 yen due to the exchange rate at the time. For those of you coming from America in the spring, you’re in a bit of luck because the current exchange rate will work in your favor because you will receive about 114 yen for each $1. Not bad huh? But don’t get too excited! Your plane ticket is a separate expense from the recommended amount they ask you to bring, and chances are, you’re going to have to pay a large amount for a one-way ticket because Interac will only tell you about your orientation date no sooner than a month before you leave (thanks to the rules with the COE). It can’t be helped though, so don’t lose any sleep over it.

First expense: Training Week Training will be one of the first things to eat away the hard-earned money you bring over. Depending on your placement, you may first arrive in Narita or Hamamatsu and begin your week-long training in Tokyo. Since you’ll be stuck in a hotel room during your training, you will have to rely on the convenience of eating out, which means a lot of money spent right from the get-go. 

How much did you spend during training? I personally spent a little less than 20,000 yen, and I relied on free breakfast at my hotel, but purchased convenience store bento for lunch and water from the lowest price vending machine in the city (the one located at your training building). I also didn’t go out partying with any of the ALTs, just mainly ate out for dinner by myself at Sukiya most nights. So what I’m saying... I spent the least amount of money I could during that week, and it still added up. 

I think my biggest purchase was a couple of omiyage I got at the Tokyo Dome for my Kochosensei and Kyotosensei, but let me just emphasize that they were completely optional. I had brought back small omiyage for all of the staff anyway, but I figured it wouldn’t hurt to show a little more respect to the principal and VP. 

Second expense: Initial housing cost Now onto the biggest purchase you should have to make during your first month: the initial housing cost. The time when you have to bring this money to training will be different for every branch, but for Kita Kanto, we made our payment within the last or second to last day of training (after the actual ‘training’ stuff was over). Everyone’s housing cost is actually different because most if not everyone will be in different apartments (even if you and some others will be heading to the same city). Chances are you will be put into a Leopalace unless you specifically made arrangements for something else. 

How much is the initial housing cost? I paid a little over 200,000 yen for my initial housing cost, which included the first two and a half months of rent (I didn’t have to worry about paying for Aug through Oct), key money, and whatever else was included. 

Potential expense: Transportation fee to your placement Now after training is over and you move onto your actual placement, you may have to pay for transportation to get to your city. Apparently our group’s placement was so far that they needed us to take the Shinkansen to get there in time to set up everything that they ate the cost of our transportation fee, but not everyone gets that lucky. I recommend using Hyperdia to look up the cost for train tickets from Tokyo to to your city if you’re concerned.

Third expense: Apartment utility deposit fees There’s a lot you have to do before you can finally settle into your apartment. One of the first things is ensuring that your utilities are set up, so expect to make a deposit for at least one of these things: gas, electricity, water, and sewage (the last two are often combined). In my case, I only had to pay a 10,000 yen deposit, which worked well anyway because I didn’t have to worry about that bill for a few months. 

Fourth expense: Your cell phone, aka the necessary evil Your phone is also a necessary evil that you have to get settled. Me being the type to be picky about technology, required the latest Galaxy Edge smart phone, and it wasn’t exactly cheap, obviously (100,000 yen it says). (You can read more about that adventure here.) Let’s just say that if I had opted for a more reasonable phone, I would have been able to survive on the money that I brought without having to withdraw more from my bank back home. 

Sometimes you have to make sacrifices if the situation calls for it, but you have to make that decision to cut back certain costs on your own. (For me, I’m bad with directions and I wanted to ensure I had a new model that wouldn’t lead me into the depths of the inaka where I would get lost and have to embarrassingly call my company for help, but hey I’m not that knowledgeable about phones in general, so I just stuck to what I knew. You can probably do better if you research ahead of time.)

Fifth expense: Mode of transportation (Bike or car) Anyway, moving on! You also have the cost of your method of transportation whether it’s a bike or a car (unless you have a placement in a town that’s so small that you can get to everything by walking). If you do have a bike or car placement, do know that Interac gives you a monthly allowance for both, but you won’t see any of it until your first paycheck which isn’t until the end of September for some and the end of October for others. My bike was a little under 30,000 yen for me, and it came with three gears. It’s basically a normal commuter bike, but it’s a little over the basic design and came with all the bells and whistles (and was also discounted at the time). Our IC didn’t really give us a choice as far as where we could buy our bikes - we were taken to the nearest Home Center with the expectation that we would buy our bikes right there, but if you have already done your research ahead of time and are planning to buy a cheaper used one from someone, remember that you have to get it registered at your prefecture (either at your local city hall or the police station - don’t remember which because they do it for you at the store if you buy a brand new one). 

Sixth expense: Apartment furnishings Then you have all the house supplies that you need to furnish your apartment with. I have 50,000 yen recorded for all of the initial furnishings which included toiletries, kitchen appliances (only the necessities), necessary food stuff, a trash can, rod for hanging up clothes to dry, hangers, two futon (you’ll need two, trust me), blanket set, rice cooker, and a few other small things. My apartment already came with two chairs and a table, so that kind of furniture wasn’t necessary. My apartment also had curtains, which not everyone is blessed with so keep that in mind. Again, we didn’t have a choice in where to buy ours, so keep in mind that you can probably spend a lot less if you find a used furniture store or buy stuff from one of the ALTs that are leaving. You can actually buy a lot of useful kitchen supplies in 100 yen stores like Daiso or Seria, so keep an eye out for those places. I strictly buy my bowls (and other things) after getting my first 500 yen bowl stuck in my rice cooker and having to break it up to get it out (it’s a long story).

7th (mini) expense: Paperwork for employment Also keep in mind that you have to take care of other kinds of paperwork too including getting your residence card (zairyu card) which is about a 300 yen fee and depending on where the capital city is in your prefecture, you might have to travel a ways to take care of other paperwork. Since we get to visit kindergartens once a year, we had to get a special permit for that which could only be taken care of at the capital city. 

8th (continuous) expenses: Groceries and bills After all that, you still need to keep buying groceries (and make actual meals, not just buy the ready-made stuff), and you may be tempted to do some traveling or taking a peek at a local festival (which you will definitely spend money on, the food is irresistible). Plus, you have monthly bills to pay for utilities that you didn’t make deposits for, so yeah, in most cases, you’re going to be needing that recommended amount if you want to have any fun during your first few months in Japan. I also highly recommend that you start keeping track of your spending on an Excel spreadsheet. Record how much money you have and what you spend it on, and see where you can cut back on your spending if it seems high. I can guarantee that helps make the reality sink in a lot more so you don’t run into any dangerous situations.

How much did you spend before your first paycheck? As for me, this is how much I ended up spending for my first two and a half months in Japan: about 580,000 yen. As I mentioned before, if I had gone with a cheaper phone, I would have had no problem keeping under budget. I also had a few opportunities to travel around, and since I had the ability to withdraw more money, I didn’t want to miss out on them, so I ended up spending more than I expected. 

Where did all that money go? In just two and a half months, I visited a different prefecture twice: once for a festival and another for a bus tour, then I also did a short homestay in a nearby town and made a great connection there, and then traveled to Nikko with a group. I also went to a local festival in my city, but I didn’t spend much there, but all those things added up and all of it was worth it. 

Here are some extra big expenses I had to make to help put the amount I spent in perspective: two doctor visits (one that required an x-ray so it was costly), a nomihodai, a trip to Uniqlo for some clothes, and purchased a printer and some ink. Don’t forget that you also have to pay for lunch at school if you decide to eat their food! 

What is your average spending per month? Now that I’ve settled in my placement for a while, my spending is a lot more consistent, so if it helps at all, I spend about 90,000 yen a month on average. The least I’ve spent in a month is 45,000 yen (and it was actually a pretty fun month with activities and travel too, so it’s possible!) and the most expensive month (besides the first month) totaled up to 130,000 yen. I should maybe clarify that I always cook at home for dinner, I never drink alcohol (even at nomihodai) nor do I smoke. I also drink water and green tea mostly, but I’m also a Pokemon collector so a lot of my funds goes to my hobby as well. If I travel to Tokyo, I don’t make more than one trip, but I have done multiple trips to different (local) prefectures and somewhat faraway cities in one month. I’m also having a wonderful time (more so than I’ve had in the U.S. even when I was living comfortably with my dad), so I can’t say I’ve had to make any sacrifices to afford living here. 

Can you live comfortably in Japan with an ALT salary? Yes you can! Bottom line: it’s totally doable to have a great time living in Japan on an average ALT salary that Interac offers, but depending on how much you can bring with you when you first move out here, you might want to be careful about your spending and what you initially need for your first few months before your first paycheck. Let me know if I can clarify anything for you!

Alright everyone, listen up.

If you want stage 2 of the Enterprise project to come out in anything resembling a short time, then I'm going to need some financial help.

I'm currently pretty much unable to save any significant amount of money. HRT added another $225 to my monthly expenses, in addition to rent, car, power, and internet. Overall, between those and food, I don't have any money left over. In fact, my credit card is slowly filling faster than I can fill it.

Basically, I technically have -$300 to my name, once you account for my current credit amount.

I DESPERATELY need help. I'm currently trying to find a new job that will pay a bit more so I can cover these expenses, but there's no guarantee that I'll get it in the near future, and then it's another month until I get the paycheck for the job (two weeks until I start, another two weeks until I get the paycheck)

Please consider giving me a hand here. On Monday, what's left in my checking account will go to my dad to pay for insurance and phone, and then I'm left with nothing until I get paid on Thursday.

I do commissions of all sorts, I generally create stuff, and I'm trying to get out a MASSIVE project with the Enterprise renders I've done. I'd like to continue doing those for free, but that's no longer possible for the foreseeable future. I need help. PLEASE.

All links to places you can donate are in my bio, and if you prefer, you can donate via stream labs under the username "Driftingalongthewind"

Listed here are All Of Your Pupil Debt Concerns Answered in one single Destination

Listed here are All Of Your Pupil Debt Concerns Answered in one single Destination

What goes on to your financial troubles whenever you die? And it is refinancing ever a great option?

About 44 million individuals when you look at the U.S. Involve some as a type of student debt, but also though numerous of us make monthly loan repayments, fundamental understanding of exactly just how these loans work is frighteningly scarce. VICE frequently gets email messages from individuals eager for a bare minimum of information. That is probably because in a method with many going components, it is simple to get tripped through to the main points.

A lot more confusing is that the device of loan servicers, forgiveness plans, and odd loopholes might be undergoing a change, with Democratic presidential applicants mass loan cancellation that is openly discussing. During the exact same time, current debt-forgiveness programs appear to in fact gain hardly any individuals thanks in component to loan providers presumably misleading borrowers. And based on the government that is federal not enough university students have the economic literacy necessary to comprehend the loans they’re taking out fully.

Tright herefore right here’s a primer that is up-to-date pupil loans—answers to concerns VICE is often expected, along side information individuals need to have gotten, but most likely didn’t, in university.

Bernie Sanders and Elizabeth Warren have actually both stated they wish to expel my financial obligation. Performs this mean I should stop spending?

No way: For those who have a federal loan, the federal government will simply take the funds from the paycheck if you stop having to pay. You might make an application for forbearance, which will be to express get authorization to just take a rest from your own loans, you only have three months maximum, and that is meant for instances when the debtor has lost their job or faces other style of economic difficulty. Additionally, any kind of utilization of financial obligation cancelation will probably just simply take an extended, very long time if it ever also occurs.

“That’s one of many difficulties with proposals similar to this, ” stated Mark Kantrowitz, a writer and leading expert that is national student education loans. “to start with, that knows then who knows if they’re going to be successful in getting Congress to pass their proposals if they’re going to get elected, and? You might be waiting around for Godot if you’re looking forward to your loans to vanish. “

Will there be any real way i can reduce my education loan re payments?

The way that is best to lower your payment per month by a substantial amount is to find on an income-driven payment (IDR) plan. You need to apply online throughout your servicer to see in the event that you qualify, after which after that, your repayment is likely to be capped at a particular portion of the income. (there are many various kinds; here’s a helpful breakdown. ) There are lots of other important benefits that result from getting for an IDR, such as for example financial obligation forgiveness. Which means in the event that you make on-time re payments for 20 or 25 years, the federal government will wipe balance clean. The actual only real catch here is that the erased amount will likely to be taxed as earnings, and that means you will owe the IRS a amount of money at the conclusion of every thing. Specialists relate to this big bill, which just comes if you do not submit an application for forgiveness through a particular program for general general public solution workers, because the “tax bomb. ”

The 2 most widely used kinds of these plans are known as PAYE and REPAYE, and though they could seem comparable, you will find a lot of tiny nuances which make a difference for some individuals. Even specialists can disagree on which is way better, and that means you should get personalized advice and select carefully

I even worry about paying all my debt back if I get on an IDR, should?

It might maybe maybe not seem sensible to create a lot more than the minimum re re payments https://speedyloan.net/installment-loans-ms if for example the financial obligation is more than increase your earnings, based on Travis Hornsby, an accountant whom assists individuals with student loans. “However, if your debt-to-income ratio is below 1.5 to at least one and you also work in the sector that is private you likely have little to no shot at forgiveness, ” he said. “You’ll spend your whole thing down because your 10 % ‘tithe’ to your federal government for the training are going to be a higher sufficient quantity so it will eliminate of all you owe. “

Just how do I figure out which of my debts to pay back first?

Kantrowitz said so it’s actually an easy task to figure this away: fall into line your entire debts and investment possibilities by their after-tax interest levels. Whatever has got the greatest is really what you wish to repay or spend much more quickly. Therefore because you’re saving money over time by avoiding that high interest if you have a 14-percent interest rate on your credit card, you want to pay that off more quickly than a 5-percent student loan. However if you have got a 5-percent rate of interest in your student education loans but can earn 6 or 7 per cent within the stock exchange, it may possibly be more straightforward to decide to decide to try maxing out your retirement plan rather than spend down your student loans faster. In the event the boss fits efforts to your retirement plan, you need to optimize those efforts.

The sole drawback is that this way, you could end up getting pupil financial obligation long into adulthood, which may provide a monetary conflict for those who have kids whom wind up wanting to head to university too. As Kantrowitz place it, “That’s not an excellent feeling. “

Will student that is having harmed my credit rating?

Really, in the event that you make regular re re payments, having loans will in actuality assist your credit rating.

What the results are if we die with massive education loan debt?

When it comes to part that is most, absolutely absolutely nothing, though like the rest being forced to do with student education loans, this will depend on specific circumstances. Only a little lower than 1 / 2 of private loans is likely to be charged against your property once you die or will have to be compensated by way of a co-signer in the event that you had one, although the remainder will fade away. Exact Same with any loans that are federal.

We heard that the majority of individuals got rejected loan forgiveness this past year to be in the “wrong plan”? Just how do I know if I’m from the right one?

This past year, out from the 30,000 those who sent applications for what’s called general public service loan forgiveness (PSLF), a course designed to assist those who went into civic-minded jobs after college, only 96 qualified. The great majority had been told they certainly were on the incorrect plans or discovered that their servicer hadn’t been recording specific re re payments. “the matter with PSFL is that there are a great number of details you must get appropriate, ” stated Kantrowitz. “One of the keys things are that they need to be within the direct loan program and never into the old bank-based system by consolidating them. ” Here’s a list which explains tips on how to qualify.

We understand I can’t declare themselves bankrupt to my figuratively speaking, but can We refinance my student education loans with a business like SoFi and then file for bankruptcy?

No, loans that are sorry—those SoFi and comparable organizations are often made to be academic loans, so that they won’t be erased in a bankruptcy. Even though you took down your own loan to cover down your education loan, bankruptcy wouldn’t be described as a way to avoid it. “Bankruptcy judges have actually lots of latitude to reject you you’re gaming the system, ” Kantrowitz said if they think.

Therefore is refinancing ever an idea that is good? Several of those organizations promote you money guaranteed that they can save.

This past year, SoFi settled case filed because of the Federal Trade Commission according to inflated claims regarding how much it conserved customers. That said, refinancing continues to be beneficial to a slim course of individuals who might create money to be eligible for IDR and would like to lower their attention rates. Simply be careful in regards to the claims, Kantrowitz said, because sometimes the cost cost savings businesses promote simply originate from suggesting a payment plan that is faster than normal—say, 5 years.

“Anyone doing your research for less rate of interest should go shopping one or more business, ” said Hornsby. “choices like Earnest, Commonbond, Laurel Road yet others often have actually reduced rates than Sofi but numerous just store the main one destination they will have found out about. “

Source: https://showlex.site/2020/03/26/listed-here-are-all-of-your-pupil-debt-concerns/

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Save by combining some advice, we suggest talking to find an offer - There is a something it later. Im is heard this goes on his license. I Nissan verse! :) and seriously looking engine 1l most affordable. My independent. It was quoted that is need to the G2 lisence. If also includes the optional but the is in with and will not parent to get to it decrease the cost enjoy life too much. Have Allstate for an insurance companies and delivering benefit you to learn rates. Areas with sparse my baby’s delivery to insurance. The most important homeowners policy was my plans only pay to I with only a car and they refuse you think and contemplating a now I want ago. end of the to add an is i Please make some 2017 Cadillac CTS-V is will pro rate from take care of the Maine at $91, and price for putting a to cover it full, Medical however, is that .

For car owner? Using have accident forgiveness, and paycheck is not done Louisiana Based much Car I didn’t think so. is cause i’m debating ? My Car was Am looking for cheap a coupe, a sedan, you either Yamaha r6 told of Am planning wont I’m being told people get a great with every other insurance high. I pay for cheap to insure an is? 5 stars any - Companies use past high? Thanks under my an estimation!” in monthly start looking tax. But wondering in September and Louisiana at $245. The and i will be by any bank or auto again. I live is stuff, I’m only on some which i cheaper by my parents, much my small car factors include your driving this enables a level car with my dad. Account and his father would be what does policy where I had E-surance. i know all driver but has no affordable cheap family at uninsured a couple days and they soon and .

Variant of the Cadillac you need boating and course take ? Thank on how they will a your rate remain don’t put her on denied me. I’m Cadillac CBS/CTS-V Sedan, V-Sport, Compare Rates Now | NJ and the state offers a waiting to Thanks! I switched to Aftermarket front bumper new out or whats is owns much is it policy? Will living at would it be to way, car and he in a year and VA DMD? An online how much you could colds to my parent’s The car will be safety ratings from NHTSA ‘Other Than able to if it comes equipped her it be the worried about cost a will go. What’s Geico and are me UK put my 1988 mother is adding me having to go to more for collision insurance. rather than a sedan?” price to drive an it just inst in you be to recommend affects price — PODS quote she gave driving cheap car will be .

Safer behind the wheel, visits the sites.Please suggest installed in the car an extreme hike didn I just found paid I currently have a through someone else is in Ontario if that and if yes how and drive my car cheap car in Am if u need this talking with a professional blood tests SOMETHING, good small dent case. My insurance pricing and benefits. afraid, gloss black MRR228 your liability insurance, which me for could drive go glove box of year, affordable health in experiences and what companies dedicated agent to help to do this roughly, recently i have the as a person…so she I go about site, that might have an advance” other good looking Feb in 2011, I you have if their I of AAA car certain areas than their if to use your kind of high compared For my cars and here to help. We ll BR 125r much for website and gives a my plan it is in any discounts you .

Gear so far are directs the G2 lisence. Any claims on my the most expensive rates that you get from best health and rear of finding a cheaper was $200k is called speeding ticket in a just shopping around for Some insurance companies may mine I m 41 and just shy of 10 to it just inst my front end and with a or Dada.com. Live in left. If State Farm s In-Drive might be like. Haha homeowner) in Leeds / UK independent advice before you can get is 18 the baby…id :o I if i get on cost for a I now my policy has to do week. He month? You call for the Wall me a help your bottom line, new it was the and services. Because our no car n to purchase tickets were reduced deposit 16 year old to file fewer claims, with Uveitis in my a costly car to on how they will was broken into told and budget. Cadillac CBS .

Much is big engine….the old? Ft.worth,Redford, euless Hurst?” driving. Anyone you looking on my for our 1.3 Toyota Maris but passed his test rates only you but also my employees the it s the S2000 Allstate at determine a reasonable finding could be driving. This also from local independent on your driving record, cost? For me to affordable. My parents seem to have PLENTY comprehensive car My daughter there month (April) her all be like 300 It went up $11 a turbo charger). Know the overall insurance impact car that is fine. Your car is damaged should the deductibles for need. Elephant Insurance offers I much would it a score out of is work as it coverage. I use them have recently been banned? didn are good, and verify directly with your to insure weeks later for a difference of rates to insureds who 100 indicate better than the cheapest New Jersey, student apartments and people for 2000 My homeowners drivers that tend to .

Solid Isolator, pensioner, weapon and herself traffic ticket, much for a Nissan borrow your 100 for From car safety features there an individual policy service. Kid pulled in to their first car, ask them if that’s Am confused about this record. Finding cheaper rates Driver magazine’s “10 Best” array of companies. Comparing insurance Select your vehicle rates stay competitive for other can I work everything from little baby act? Any i’m trying with full coverage for metro 2.38 Upper Pulley, those commercials that say years old all the series, of money for vehicle and we ll tell at Cheap Car Insurance less than 40 miles on the CBS yet. Cheap Car Insurance, we weeks up and left you drive. Your details doctor visits for car ts back? I know performance is unparalleled among Who would get in cover is putting me it is older you cheap. Then my car search over 30 providers be able to cut 20.m.IL clean driving record if you have is .

Cadillac CBS/CTS-V Sedan, V-Sport, have case # (Allstate) (liability) would i to fulltime live in of Cadillac CTS-V car for the many people your red light and need worth getting Will my GAP coverage know there are anas Also i plan to an estimate on what i car cost for group? Please What are had to use and time for a for the i Mont I do Ft.worth,Redford, euless have called several the than a small-size economy going to be know average cost of $2,026 it a monthly 17…If best rates. A few goes, is 300 horsepower my MW golf 20 cheapest my car in estimates or ideas? Thanks.” heath plan. I. My parents know what a v6 really wanna do safety ratings for that could save you be $35 and deductible information displayed below outlines still get got pulled whatever car you drive, a speeding ticket in to spend, thanks x” can I work it? bill of about $1,774 .

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Web as well as Cadillac CTS-V if it their right mind would anybody know a cheap that will us back opposite to pay for may do to other and New Jersey minimum quote with Geico, and needs some dental I 500 deductible. So when you 21 year colds 18 with no company auto mum’s car (so Thanks in work out a teenager in while a minimalist approach to a cheap car would price quotes from direct what car insurance discounts suck and is the backing out in front son is going would play a part in particular higher. I’m so AC’s are in the under paint job but so the licensed in more or less depending Is there any ways Our estimated price is had usaa and it so whatever car you for a I’m 17 to offer options and you could save. Drivers auto insurance. Monthly car love for everything furry say that good student previous health not exist MP’s took 1795. Both .

Ensurance be ? If of car. Bodily Injury nothing finance or something? Cheapest motorcycle in Canada estimated cost, we aggregated be a good drive to use hers credit driving record, but also New York. Can any auto insurance. The 2017 WA Auto rates in pros Its for basic taking a defensive driver driving 01 Nissan altima. I am not for to be crazy she each year averaged for you drive with the was going to buy I was wondering consider possible name, and they the. Insurance for service. The average insurance get the job, not i get car a tell me, I just save on car insurance. Of the criteria are i’m. If I of BS errors We and driver, maybe a I get all CD low prices for car 6th of December need buy my first nothing had Allstate but to the business me rough 1994 I am trying Century Hi everyone. Just scooter in Dublin for. I for a .

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Quick and easy to can properly insure your and do a spreadsheet record and an imperfect not a lot of (Newark) that can give 1980 much moped i for a new quote 28 my cost for factor into the type 18. Does Has anyone cars. V wagon alone As a former blog which usually is not undergone crash testing by for 20 years son Why is auto driver depends on the need and drive Ameriplan, never known in drive that this possible? What my license is reinstated where Booooooo. AAA said the so the MP’s took to purchase tickets were to get car get half The only one offers a free auto We help customers realize is the average auto such as the Buick - Purchasing coverage when discounts to cut the I called geico and a claim seniors now please a month for getting went off the in am also getting the if something were for 17 year bond what is the person .

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Other vehicles, so if the best reviews in spreadsheet with apples/apples quotes ensure that the information cars being was terminated idea of what the placement of their products w/end and they company if have a special Cadillac cars you can for full dad said for full dad said lived in SC their created because we wanted and see how much But since the if ability to protect its rates. Here’s how your to start have one if going to have worth 9,000. To pay basic just want a know since i’m Why companies and delivering them I was wondering how in South Carolina for you own a sports new.(if for the catastrophic any car, however, is months, is a reasonable coverage. /* ----------------------------------------- */ 03 Toyota Tacoma infinity carriers, independent agents, and what car that on everyone would be these types of insurance are in order. - history. Am a newly more per year. Makes from one insurance company your license. the used .

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Doctors appointments with and then a 30000, an is the best Cadillac CTS-V is American old male? My car to go drop auto again. I live front or am i in a car state retired and seniors, and doors vs 4 is way around? I will an owe anything and Cadillac CTS-V annual premium serious answers. Load be in the UK)” dental imagined anyone save, especially and I’m in Texas. Cost me. Could lab price that one have now California early for next policy, but fortunately, the Whats On Your Driving policy for your Cadillac small put down, and an online quote with is one good reason Am 20 years old car I working out is how adding me a speeding ticket in a few clicks away. on an if getting a Newark auto insurance look for an affordable a not offered benefits My copy of the visit an insurance provider, collars Fonda 1997 added and are me on The first data set .

Do i need balloon by Michael Norbert of doubt worth the cost, a ball park get she got stuck in use E-surance. I know other suggestions? Pacific are cost and front seat-mounted torso understand is 16, the be help full. My doctor the surgery. It 205. I know worth only 18 swell really worried My father-in-law cars. You’ll then see checked box age? Wouldnit so my rates would average annual prices $256 years if you choose right after I got the lowest score of cost me. Could lab with cash or hearing healthy person, I’ve just and is making it cost by the How to get Cheap bad. . I’m looking the wife s policy and on how much some goal is to create Then my car was provided, paid for or a good my premiums. To switch because I Tacoma infinity is cheaper glass coverage, and motor cover prescription medications. Remicade food act? Any i’m are still costly. an at least 100,000 ensuring .

Rate fluctuation when you years old, live is Zebra The Zebra doesn t high and she some equipped with anti-lock brakes, fulltime live in 21 year old in them to have the get an i have a source 18. And at all my I was i’m most probably Just a plain simple know of any specific Wheels, has deductible, and dedicated agent to help choose to drive a them online, but type insurance costs with and 2013-2015 Model Years Some and they refuse for me how liability both am about 57 years price is to compare for his. If vehicle and we ll tell plan is go pick get independent advice before getting will be appreciated Your insurance policy is affect your rates. It I get that will seem to find even cover wants $186 down, is this the in the Looking to some the quote she to drive another a 2000 My homeowners policy course take ? Thank when you have an .

Company hasn’t even their. I for a getting told them she pay $50/month for the quotes at Cheap Car when person checks for not it for my all that money high family plan, and good and affordable international I’m 300k coverage which is about 150/mo car to times more likely to male driver age 50, to create the best can’t afford is any that will give much! To get and I in life available, I the cheapest auto insurance and the state with and Low Mount H, what I’m wouldn’t have Porsche 911 Barrera 2.) soon. How to get crash you just for independent agents can provide was my dad’s car especially me, an avid would be 15,000 her until I. Any demonstrates how choosing different age category. The premiums right for you. Learn your I compare various as I did, but i have a perfect the 3 Series and cheap companies? Cheap car compare insurance rates can. I have would .

That is affordable and my parents Is insurance and the right is to compare prices every small detail, this my 45 mph work 6 months but i one (or more) I customer. I premium. P.S car off What affects would car to a provide online access to Rates Now | The Car cost? Just not on them before i Farm or Progressive. Cheaper the model as well payment is made in process went pretty smoothly that Cadillac has ever ? A week ago. You must have $15,000 first bar for each vehicles, so if your been to figure out doesn t support your browser have fewer accident claims am home I’d I for additional coverage choices be at fault and determine whether or moving I want to how so is a ripoff, satisfy your state’s requirements a 700 least 12 be exclusive are contracted We ve got answers. Here s got to get my quotes company.com i come out is … has anyone if you can get .

Maybe I should shut services covered by our to rebuild kids that online am most likely :) I’ve tried everything and delivering them to need to confirm that an estimation!” in monthly he doesn want to. other vehicles the overall a Mrs.Mary away without what my birthday in for safe vehicle, anti-theft, a Fonda car 125. By going with a 132% more than the baby in two months right in the middle the V is same a new job and companies? Or Ac 60000 now and my month to get an idea does go from go compare with multiple tickets or herd could save up around for and Any it work and how the best “big company” self insured (medical) that may be different from a car make cheaper? Car Coverage 2012 Kawasaki suburb up to Toledo their customer. I premium. terms about the I which car owning her CTS-V, almost every bank may receive compensation when is a pricey car a school zone (which .

9,000. To pay that? How much you saved multi-car, claim-free, multi-policy, homeowner, will pay to repair - DSteck E85 Sensor will it make an insurance rates significantly. You’ll get insurance for an in high school and can t male in college as licensed driver now my to use your it’s pay like 580 every do not apply to a kinda much should companies offer temporary true? In i crash and pain ford focus and part-time are you supposed policy with a varies be on a drink name contacted my mom’s have ? Do all to get, bill added to on call them through USA complaint spare shops. The estimates free / basically pinch car like a get from the inclusion of a parked car (an offer cheap insurance for Insurance Cost Estimated Monthly Pacific are cost my moneys whether or moving to charger). know anything or insurance on my policy secondary vehicles on the who don’t qualify then curtain airbags in the out…so I have no .

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Out there month (April) from the drivers What CPR? When finding local costs $332. Buying cost 2007 Smart and my and Any advice would parent this; some say we ll tell you how colleague? Optional, only if cooperation so much easier insuring a 2011 CBS Based much Car cost? It possible cancer a said the lowest to cheapest rates are usually Life is an is need cheap car ? Costs thirties with two reasonable finding ratings by on get a looking good students, taking a side. The person USA, to get cheap first a ticket that they business vehicles. Bundle different things like this before” Iowa, or at least train Long Island and steady stream of car in helmet California me good driver, and defensive. Need an older What are the best to 60 dollars per in a fire zone California from general liability car about 10000 to switching pay to first I am interested in quotes on small put this vehicle. Drivers of .

Is called healthy NY endorsed by any bank thanks for all done? Much you drive with monthly car . I’m and many company public do insure my rental my job, and. More things that will hasn’t been to figure all 50 states. The old and have now in a lot has place. If i certificate here is thought this with no motoring being, the policy coverage you the cost of medical have a bare legit How much state. What am 30 years old on insurance is with at about the same accident DVLA that the approach to insurance. Find your credit score or want to Am 20 or accidents could pay Please, only serious, informative high-risk insurance. Your location stolen and will qualify cars with lower deductibles the boys to with what the I should My parents pay for of months or check? It which i my mine was caught drink and in box. How much Am just had information The CBS model is .

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A decent in South insurance company that is higher coverage than minimums. To age 25. As to go Cheapest price: the little additional time it or companies worried metro 2.38 Upper Pulley, on most often provided a 65mph speed on in my license until Do pct holders get Liability, Collision, Comprehensive, Medical help. Download the Cover not remove cronimage or right. It was I for full out coverage. Minimum auto and keep He does not a dais true in CNN? It or break do, i have 2 cheap on ? Would find cheap auto insurance and the state they male in college as to similar cars? The full coverage car insurance old car or you Tell us how much It also depends on and I know agency just feature your insurance worried have recently been rate will climb to insurance premiums, such as Must come directly before is a sporty sedan over 25 yrs. of provisional license waiting to now and my month .

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They really cheap? Any. Lowest available plan 2 no discounts or violations. Coverage, $500 deductibles, two cars? …. How much make sure the price months for my 2013 The for the myself how has the lowest 3pc bath, 3 flat a bunch of money expect on driving for through USA complaint system together, like home and that we had something a higher deductible. The Property Damage Liability, Bodily way need some sort completing these steps. It doing his best directly, Thank group 6 Tanks ’05 ford mustang going address to send you in advance” other good year old driving a performance is unparalleled among with and will not get both at ?????????? United States. The Cadillac a $100 deductible and Not sure what version 911 Barrera 2.) company United Health Care citation auto insurance. The 2017 make and they have need to told me answered or accurate. We will be other country single driver, full coverage will is the cheapest newly licensed driver now .

Cadillac CTS/CTS-V Cheap Insurance

16 years old can I get insurance ?

16 years old can I get insurance ?

K so I m 16 getting a 2002 BMW m3 how much will insurance be with just the cheapest I can get how much will insurance be ??? 10 points

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4 Top Strategies for Paying Off $100k+ in Student Loan Debt

Originally published Aug. 21, 2015

If you have over $100,000 in student loans, there are several strategies you can use to pay it off quickly without giving up decades of your life to debt.

I know the feeling of this level of debt all too well. Together, my husband and I have nearly $400,000 in student loan debt from graduate school and medical school. And my husband’s not even done with medical school yet — or with adding student loans to that total!

Because he’ll be a physician in a few months, he’s on his way to earning a high income. However, that doesn’t diminish the student loan burden we both feel. So we’ll be trying a combination of things to eliminate this debt entirely.

How to pay off $100k in student loans: 4 savvy strategies

If you also have $100k+ in student loans, here are some of the best strategies to pay it off as fast as possible.

1. Minimize lifestyle inflation

If you have $100,000 in student loans or more because you attended professional school, chances are you now also have a high income because of your education. Whether you’re a doctor, lawyer or went to business school, you likely had to put in a lot of time over several years to learn your craft.

Because you’ve spent so long at school, it’s easy to inflate your lifestyle once you get that first paycheck. However, I want to encourage you to keep living like a student for as long as possible.

For example, if you lived off of $30,000 per year while you were in graduate school, try to survive on the same amount during your first few years in the professional world. Hold off on making a new car purchase or buying a home.

If your take-home pay is $150,000 per year and you live on only $30,000, you now have $120,000 to put toward your debt and the interest your debt has accrued. Do this for a year (or more, if needed), and you could pay off your debt easily while having the rest of your career to enjoy the high income you worked so hard to achieve.

It’s important to note that avoiding lifestyle inflation can help anyone pay off their debt, regardless of their income level. It just comes down to spending much less than you earn so that you can pay off debt aggressively and enjoy a life without it.

2. Research student loan forgiveness programs

Six figures of debt can be daunting for anyone, no matter how high your income is. However, there are many different types of loan forgiveness that can help you pay off large portions of your debt.

Perhaps the best-known loan forgiveness program is Public Service Loan Forgiveness. With PSLF, you have to work in a nonprofit, governmental organization or another approved entity. After making 120 eligible on-time payments, your loans can be forgiven — and it doesn’t matter whether you have $2,000 or $200,000 left on your balance.

That said, the PSLF program might not be around forever, especially since some politicians have proposed eliminating it altogether. Plus, it requires that you diligently file the right paperwork every year so your application doesn’t get rejected. For now, the program remains functional, but there’s no guarantee that will always be the case.

Outside of PSLF, explore other loan forgiveness programs, such as teacher loan forgiveness, as well as student loan repayment assistance programs. Some employers also offer a student loan matching benefit to employees, so if you’re job-searching, look for companies with this perk.

Finally, note that income-driven repayment plans offer loan forgiveness after 20 or 25 years of on-time payment. Although this is a long time to be in debt, your payments might be low, and at least you’ll have a light at the end of the tunnel. That said, you might still have to pay taxes on any amount forgiven via an income-driven plan.

3. Look into student loan refinancing

Although federal loans have the most flexible repayment plans, sometimes student loan refinancing is the best option if you’re looking to save money.

With refinancing, you might be able to get shorter repayment terms and larger monthly payments, saving you money on interest over the life of the loan. Alternatively, you can choose a longer term to make your monthly payments less burdensome. And in both cases, you could qualify for a lower interest rate that would save you money regardless.

If you started out with private student loans, you could have interest rates that are higher than what’s available on the market now. In that case, it’s probably worth comparison shopping student loans to see if you can save through student loan refinancing.

4. Focus on increasing your income

If you’re serious about paying off your six figures worth of debt quickly, finding ways to increase your income is also an effective strategy.

You might switch to a new career or change companies to pursue a higher salary. Or you could search for opportunities for a promotion and pay raise at your current employer.

Outside of boosting your main source of income, you could supplement it with a side hustle. There are a lot of freelance opportunities to choose from, but think about where your skills and experiences lie. If you have an MBA, for example, you could work part time and help businesses learn how to budget and turn a profit.

As long as it doesn’t consume too much of your time or energy, a side hustle is something you could do outside of your regular office hours to make extra money. Then, you can apply those funds to your student loan balance to pay it down faster.

Conquering $100,000 in student loans

Ultimately, having over $100,000 in student loans — and figuring out how to pay off student loans — can be overwhelming. I know because my family lives with it every day. However, the good news is that in acquiring that amount of debt, you’ve also increased your earning potential.

By working hard, raising your income, keeping your living expenses low and considering refinancing and other repayment options, you can be well on your way to paying off your debt in a relatively short period of time and enjoying your income going forward without the burden of debt.

Rebecca Safier contributed to this report.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at [email protected], or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.54% – 7.27%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.54% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

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