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amoc94 · 3 years

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"His Pet"

Summary : Min Yoongi. A business magnate, and a mafia leader. He was everything you would never imagine to be a part of your life.Yet fate is not something to be eluded.

He would do anything to make you his.

Genre : Yandere, Mafia AU.

Pairings : Yoongi × female OC (from reader's POV).

Warning for this chapter : Violence, gang fight, murder.

This story is not for easily triggered readers or below eighteen.

Full Masterlist and elaborate warning please read here.

List of chapters here.

CHAPTER 17.

It took them half an hour to scan between several storehouses to find the one that was used to hide the robbed goods.

Most of the building were in decay, with many of them became point for waste disposal. Several of them were unlocked and empty, made their task easier, and with the help of metal detector, they finally found it.

It was just like he predicted, Yoongi felt the surge of satisfaction upon gazing at the view in front of him.

Forty units of the latest model of Ducati motorcycle, and another five of pre-ordered limited edition model, more than two billion won in value. Nothing major to make an impact to his cashflow, but definitely not something he would just let it slide either. The pre-ordered version had been booked by regulars from one of his showroom, it would tarnish his store's reputation should the delivery failed.

No wonder that bastard Kim wanted to betray him, there was no way Yoongi would willing to give even a fraction of that amount as a compensation for something that actually belonged to him from the start.

He was quite familiar with Busan industrial zone, and he found that the only cheap way with space that could fit their loot was in this abandoned warehouses area. No fee nor paperwork needed, albeit not too safe, but the most feasible option.

To think that he actually considered their offer for mutual agreement, only to find that they kept it in Yongho instead of Gwangan like they said to him earlier.

It was a downright insult to his ingenuity.

On the other hand, something so unforgivable would mean his trigger-happy fingers would be very much satiated today.

He already called Sejin to arrange two container trucks stood by, and it required one hour to move all the bikes to be transported back to his warehouse in Dongsam. Good thing he decided to leave the house two hours earlier this morning.

The distance from Gwangan to Yongho would be around twenty minutes minus traffic. He guessed that once the realization dawned on them that Bangtan took the detour, they would probably arrive in Yongho in forty minutes.

Well, forty five minutes to be exact, Yoongi checked his watch, smirking while casting a glance at the view afar, around forty men strode in conceited manner, carried various weapons, from baseball bat, samurai, to butcher knife.

He looked at them in disdain, he despised these kind of thugs, they were poor and filthy, most of them were ex-convicts who went back and forth of jail, a literal epitome of scumbag.

To have the nerve to rob from Bangtan, Yoongi could only praised their leader for that, between ignorance or idiocy he just couldn't decide which one suit the guy better.

That brought to mind, if you want to get rid the bee colony, you have to kill the queen bee.

Their leader stopped his pace a few meters in front of Yoongi, didn't waste time to shoot his oath.

"Bangtan! You son of a bitch! You broke the fucking agreement!"

"You really have the nerve to say that to me? Why should I compensate you after you betray me first? You think I won't find out?"

Yoongi cocked his head and gave them a disparaging look.

Seemed like that guy didn't have the right answer, his cheeks turned rosy of anger and shame. He certainly had to do something to save his face in front of his men.

"Cut it out! No more agreement! Charge!" He gave cue to his men to attack.

The seconds after they step forward, five of them at the front range screamed and fell down, clutching the knives jabbed on their chest.

Yoongi proudly observed Taehyung's movement when throwing his knives, sailing smooth and swift, his movement was near invisible, hit the targets almost simultaneously.

With fluid mobility like he was dancing, he swung around, pivoting on his heel, and slayed another three men with his blade.

Jimin took a long sprint, before jumped to the air, and launched multiple kicks to three other men stood next to the leader. When they collapsed, he unleashed his blade to stab their chest alternately.

There were five other men charged themself to Jungkook who brandishing his nunchucks, swung it into circle motion, launching several hits to their heads, before worked on his blade to slash their throat in a continuous move.

Hoseok moved forward maneuvered between gun and blade alternately, crippled ten more men throughout, bulldozed his way to where the leader was standing.

Even after the dispute he had with Hoseok in the past, Yoongi had to admit, the man indeed got style. His blade skills probably wasn't as good as Taehyung, nor his skill with gun as sharp as Yoongi, but combining the two in between, made him one of the great fighter in their group.

Yoongi stood in front of the battle, scanned the view in front of him, ready to shoot whenever he spot an unguarded attack. He was their ultimate protector, to make sure that no opponent could penetrate their defense, and wound any of the member.

His shooting accuracy enabled him to stand anywhere within perimeter without missing his targets. So far he had shot one person tried to hit Jimin on his back with a knife, and another one that attacked Jungkook from his side.

They had to minimize the use of guns, as not to attract the attention of authority later. Gang fights rarely involved firearm, thus insignificant amount of bullets found on the crime scene would be dismissed.

If the amount of bullets cross the line, it would led to investigation by police force, which he certainly wanted to avoid. Yoongi had enough connections within the goverment, but he would prefer to keep things on the down low.

It wasn't long before the whole gang were defeated, lying around with blood spills everywhere.

Yoongi stood in front of the Kim hyungnim, watching his slump form, all alone, without his men to help him. Jungkook who stood behind him, kicked the back of his knee to force him to kneel down, and handcuffed his wrists.

Crouching to his eye level, he pressed his gun muzzle to the man's chin.

"Now, Kim, this is the second time you robbed our stuff. The first time I let it slide, because I didn't have time to bother, and I thought I should let the authority to find it, which they haven't, until now. I want you to give back the money to me, then maybe I would spare your life."

"It was my money, and of course you don't know. But if you return it to me, then I will definitely spare your wife. Considering six of my employees were killed during your assault to our warehouse, it sounds reasonable enough don't you think?" Yoongi loved to see how people struggled in his grasp.

"Tch ... how do I know you will not kill me after I give the money to you." He spat with hateful glare from his bloodshot eyes.

"You son of a bitch! Leave her out of this!" He tried to stand up to make a move, but Jungkook stepped on his ankles practically immobilized him.

"Surprise surprise, you still care about her? I thought the nights you spent in brothel every week told me otherwise. Well, you chose the hard way I see. Good thing I came prepared. Hobi, can you help me?"

Hoseok stepped forward and put the briefcase he brought earlier on the ground, taking out a syringe along with an ampoule filled with clear liquid. He drew the liquid to the syringe, then injected to the guy's arm.

"Fuck! What are you giving me?"

"This is to squeeze your mouth so you could spill the information. Enjoy it, you can get high with this one." Hoseok spoke to the guy while throwing the syringe to an empty plastic bag.

A minute later, they watched the man as he started to swing his head weakly, sign of the drug to take effect. His eyes looked unfocused, and his body seemed lethargic.

"Now, Kim, can you tell me, where is my money?" Yoongi lifted up his chin with his gun.

"The money that you got after you sold out the batch of air taser from my warehouse, of course."

"What money?" He slurred and blinked his heavy eyes tried to have a clear view of Yoongi in front of him.

He smiled with his eyes partly closed.

"Ahh ... that ... good stuff ... sold out real quick."

"Of course..real good that made you so greedy you didn't even want to spare some for your own men." Yoongi sneered.

"One million won per piece, why would I give it to them. Stupid useless bastards. Couldn't even fight properly."

Yoongi pressed the muzzle to his jaw firmer. "Where is the money?"

"It's in my bank, of course. You think this is ancient time, where people put money under pillow?" His insane laugh annoyed Yoongi to the point where his fingers felt so itchy to just put a bullet to his head and get it over with.

But not yet, he wanted his money back.

"How about we make an agreement. You show me the money, if there is still more than seventy percent from the total amount, you will live to see another day. Less than that, you go to hell. Oh, and I will spare your wife in return. If you don't tell me, then both of you go to hell." Yoongi locked his sight to the guy's eyes.

The guy's fell silent for few seconds before started to talk again.

"My ... account number ... "

"There is one hundred ninety million won in here."

Yoongi looked to Seokjin who was ready with his laptop. He typed the account number and password, then gave the okay signal to Yoongi.

Yoongi looked at the man in front of him and smirked.

"Oh Kim, too bad, there isn't even seventy percent. Another account maybe?"

The man shook his head. "There is no more, that's the only...."

He didn't have the chance to finish his sentence when the loud gunshot following with a bullet pierced a hole to his forehead, the man's body slumped to the ground.

Yoongi sighed in relieve.

Today's mission was successful more than his initial expectation.

He got his money and stuff back, and his need had been fulfilled.

It was like killing two birds with a stone.

"Good riddance, such a lingering pest. Let's go back. Choi will be here soon to clean up the mess, we aren't suppose to be here."

He stood up and put his gun back to his holster. The rest of his men walked hurriedly back to their car, while Yoongi strode over towards the lamborghini with Jimin and Jungkook.

"Hyung, I think you should look at this." Namjoon called him and gave your phone to Yoongi.

"Twenty five missed calls in an hour. I think her brother got suspicious. You need to find a solution before he reach to the police. I don't think Park could make up excuses for two different cases for us on the same day, it's too risky." Namjoon warned him.

Yoongi paused for a moment to ponder his options, then put the phone to his pocket.

"Jimin, once we arrive at Seoul, we need to make another detour"

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Chapter 18

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enterprisenetvalue · 3 years

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The Way To Build Net Value Whereas Running A Enterprise

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thesewomenrulemyworld · 3 years

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binary options trading signal service Arkansas

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enddaysengine · 7 years

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Non-Fiction Resources for Chronicles of Darkness by Gameline

June 6th Update: It seems that Tumblr has a limit to how many links you can put in one post. As a result, I’ve moved the resources for Dark Eras, as well as the links organized by topic, to a separate post that you can find at this link.

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Much like I did for Eberron, I’m putting together some links to non-fiction materials you could use for Chronicles of Darkness. Since CofD is set in a dark mirror of our world, there are a lot of materials that could go in this post, but I will try to be selective. While I am keeping Chronicles in mind while I do this, you could use these links for any other RPG that is set on historical Earth (I’m looking at you, Call of Cthulhu!) Some links may show up more than once if they fit in multiple categories.

This post is very much a work in progress and probably will never be complete because of the broad availability of applicable materials. If you know of a resource that you don’t see on my list, please feel free to reblog/reply/DM me to say what the resource is and why it should be included on the list. I’ll do my best to add it in.

General Websites

Crash Course: It’s free, it’s on Youtube, and it’s in a ten-minute episodic format.

Coursera: Coursera is a website where university level classes are available for free. You can also get certifications from Coursera for a fee so you can build your resume while planning your next chronicle.

Dan Carlin’s Hardcore History: Dan loves historical “What if?” moments, and with good reason. If you want to hear the most badass historical stories, examine how drugs, alcohol, and human stupidity impacted history, or get a sense of what it was like to live through the most brutal historical eras, this is the place for you.

edX: Another excellent site with free courses that you can upgrade for a certificate. A good place to look for courses in the humanities and religion.

Great Course/Great Courses Plus: GC and GC+ are not free services, but they have such an extraordinarily high production value that you can understand why. History, science, culinary theory, economics, anything you can think of is covered in the Great Courses catalogue. Great Courses Plus is their streaming service, which at $15/month for an annual subscription is a killer deal.

Google Books/Google Scholar: My first goto for research of any kind, and the first place I advise my students to begin their research. Seriously, I’ve written papers, then had them published just using these two. Use them.

JSTOR: If you have operated in any kind of academic circle for the last two and a half decades, you know JSTOR. Full access is tough to come by unless you are currently enrolled in a university, but you can still sign up for free to get access to journals on topics you just can’t find anywhere else (like the Mutapa Empire). Sign up with multiple users if you have to. It works. Trust me.

Open Yale Courses: University classes, taped lectures, and course materials, all from one of the best educational institution in the world. Take advantage of them.

The Vault: Declassified FBI documents. A lot more of them involve the paranormal than you may expect. An excellent source of inspiration both for things that actually happened or that people think happened.

Writing with Colour: The best place to go to check yourself for unintentionally problematic depictions of POC in your games. Also a great read if you are looking for details and cultural beats for NPCs you don’t share a background with. They are awesome and you’d be surprised how many chronicle ideas you can get just by binging their archive.

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Mortal Chronicles

Foundations of Eastern Civilization

Maya to Aztec - Ancient Mesoamerica Revealed: Awesome resource if you are planning to run a Skinchangers game using the Aztec Dark Era.

Medical School for Everyone - Pediatric Grand Rounds: A good place to look for ideas for Innocents

Understanding Japan - A Cultural History

Beast the Primordial

General

Ancient Marine Reptiles: Yeah, I know, Beast is supposed to be about dragons and monsters, but I guarantee you that plenty of ancient reptiles are also stalking the Primordial Dream. Plus, aquatic reptiles are awesome and don’t get enough face time with the public, so you might want to think about your next Beast being one.

Dino 101: The ultimate course about Dinosaurs. Very beastly.

Early Vertebrate Evolution: What’s so scary about ancient fish, you ask? Only razor jaws and bone for skin.

Secrets to Sleep Science

Theropod Dinosaurs and the Origins of Birds: At five lessons long, this course is pretty short, and the content matter is fascinating (says the biology teacher).

Dark Eras

African-American History: From Emancipation to the Present

The Civil War and Reconstruction Eras

History of the United States 2nd Edition

Signature Settings

Foundations of Eastern Civilization

History of the United States 2nd Edition

Mountains 101: If you are going to visit Kathmandu, you better be thinking about how mountains will impact your Chronicle!

Understanding Japan - A Cultural History

Changeling the Lost

General

Secrets to Sleep Science

Successful Negotiation - Essential Strategies and Skills: A very, very Changeling course.

Dark Eras

Atlas Historique de Paris: I can’t read French, but I am assured by people who do that this is an excellent resource.

Foundations of Eastern Civilization

Underground Atlas of Paris

Signature Settings

Foundations of Eastern Civilization

History of the United States 2nd Edition

Understanding Japan - A Cultural History

Demon the Descent

General

Bitcoin and Cryptocurrency Technologies

Crash Course Computer Science

Crash Course Games

Digital Signal Processing

Internet History, Technology, and Security

Inventions That Changed the World

Robotics - Ariel Robotics

Successful Negotiation - Essential Strategies and Skills: Also a very, very Demon course.

Dark Eras

Living in the French Revolution and the Age of Napoleon

Maya to Aztec - Ancient Mesoamerica Revealed

Ottoman Empire

Signature Settings

Cultural Competence - Aboriginal Sydney

A History of Hitler’s Empire

History of the United States 2nd Edition

Hollywood: History, Industry, Art

Ottoman Empire

World War II - A Military and Social History

Geist the Sin-Eater

General

Death: Seriously, that’s all the course is called. It’s Yale, its good, the name is just to the point.

Soul Beliefs 1 - Historical Foundations

Soul Beliefs 2 - Belief Systems

Soul Beliefs 3 - How Does It All End?

Dark Eras

Foundations of Eastern Civilization

The Great War

History of the United States 2nd Edition

Indigenous Canada

Signature Settings

The Early Middle Ages (284-1000)

History of the United States 2nd Edition

World War II - A Military and Social History

Hunter the Vigil

General

Introduction to Forensics

Aegis Kai Doru

Archaeology - An Introduction to the World’s Greatest Sites

Introduction to Ancient Greek History

Ahl al-Jabal (Source)

Ismaili Gnosis: Okay, breaking alphabetical order here, but this one is special. If you have a passing familiarity with Islam, you may have had the initial thought that the write-up of Ahl al-Jabal doesn’t look like anything you’ve seen before. That’s because Ahl al-Jabal are Nizari Ismaili Shiites and trust me when I say it is extremely accurate (minus the vampire hunting). Ismaili Gnosis is an excellent source for current events, history, and particularly metaphysics as it applies to Ismailis.

Assassin Legends: The Assassin State of the Crusades is legendary, but what most people know about them is just that: legend. If you are using the Ahl al-Jabal, either in historical or modern chronicles, let Farhad Daftary bust the myths about the Nizari State for you. This link only gives you a preview on Google Books, so some pages will be missing, but it is still worth a read.

Ama-San (Source)

Oceanography- Exploring Earth’s Final Wilderness

Understanding Japan - A Cultural History

Ascending Ones

History of Ancient Egypt

Ashwood Abbey

Wine Tasting - Sensory Techniques for Wine Analysis: Are you really part of the Abbey if you aren’t a wine connoisseur?

Ave Minerva (Source)

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cryptoandfire · 4 years

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What is Net Worth? How to Calculate Your Net Worth?

Do you know your net worth? If you don’t, you should.

I’m not sure why speaking money and investments is a taboo in my circle. People like to have fun and when you want to have a serious conversation in between, that never happens. Only one in 10 of my friends would be interested in talking money and investment. Your circle could be different than mine.

I read in the internet that only 5% of people know their net worth, which means my friend circle knowing their net worth is twice as much. That boils me to the core but hey, not a lot of people are genuinely interested in money, investment or planning for retirement.

Whenever someone tells me that they have no idea how much debt they have, how much money they have saved, what their assets are worth, I can’t help but tell them how maintaining them in a simple spreadsheet has greatly improved my life. Obviously, they ignore my boring advice. What did you expect? 😀

What becomes more shocking is that, when I ask them to take a guesstimate of their net worth, they just throw me a blank face and say they have no clue whatsoever about what the amount would be. Or, they playfully quote something that doesn’t make any sense, just for humor.

This is something that definitely needs to change.

Net worth is a very important measure of your financial situation, and it is something you should be aware of.

Why Know your Net Worth?

There are many positives to being aware of your financial situation and net worth, such as:

Manage your money better If you know what your net worth is and you track it every month, you might become more careful about where you spend excessively and other financial decisions, such as with keeping a budget. If you have a negative net worth, then your best goal is to become debt free as soon as possible. If it’s not as high as you hope, then you will start taking progressive steps to achieve the level you want.

Stress on Liabilities Many people only think about how their assets are performing but never think about liabilties. Net worth gives them a chance to increase their vision on liabilities and truly understand the complete picture. You might be thinking you’re well but you could be surprised. Try to cut your liabilities quickly on depreciating assets and high interest debt

Knowing your net worth stops you from cheating yourself You might be cheating yourself by taking impulsive decision not knowing how much it sets you back. But now, since you know your net worth, you know the consequence of your bad decisions. Possibility of reducing them is high.

Making passive retirement progress When you track your net worth, you might be making retirement progress passively without any additional effort. When you save more, little drops make up an ocean.

Net worth is a great measurement of how you are doing financially. At the least, know your ball park range of net worth where you stand.

How to calculate your net worth

Thankfully, calculating is not a rocket science. It’s just a simple math and read more to accurately estimate your net worth. You can calculate your net worth by using the following simple steps

1. Get an understanding of net worth

Before we get to the actual simple math, you need to understand two simple concepts. Assets and Liabilities.

Asset

An asset is anything that contains economic value with or without future benefit

An asset can often generate cash flows in the future, such as a piece of machinery, a financial stock or bond, music album or a patent.

Liability

A liability is something a person or company owes, usually a sum of money or security.

Liabilities are settled over time through the transfer of economic benefits including money, goods, or services

Liability is an obligation between one party and another not yet completed or paid for

Now that we know the difference between asset and liability, let’s go on our journey to find our net worth.

In most cases, your net worth is simple subtraction: your assets minus your liabilities.

To determine your number, you’ll need to start by coming up with lists of your assets and liabilities.

If you don’t want to go through the hassle, try to engage a no-commission financial advisor, who puts your best interest rather than their commission. They generally charge a consultation fee and never have any affiliate products and push you through them.

2. Cover all your assets

To take an extensive inventory of your assets, think hard and make sure you include everything in your portfolio that has value. Don’t forget about retirement savings acounts (like Roth IRAs or 401(k)s) and investments.

You can include physical items like your car, even if it is has a loan on it. In this case, you will add the value of the car to asset and the loan towards liabilties

Fun Fact : I have 92 different assets, that I track every month, on my spreadsheet

Just waiting for the month when I can expand my assets column to 3 digits. I will fist pump in air and celebrate alone in Covid-19 time and then get back to thinking how I can expand this further next month.

3. Note down your liabilities

It’s time to move on to liabilities. Start writing down everything you owe money on, from credit card balances to loans. Many people make a mistake by adding their routine monthly expenses into liability. Please do not. Expense != (not equal to) Liability .

If you have a lot of different debt and it becomes unmanageable, consider taking out a debt consolidation loan to simplify your payments and save big on interest.

4. Do the math

Take a final look at all your asset and liabilities and see if you missed anything. Once you finish this, it’s time to do the math.

Now that you’ve taken stock of your assets and liabilities, add up each category. Then, subtract the total liabilities from the total assets. This will leave you with your current net worth. It’s that simple.

Just to help you with an example, Nick has savings of $10K, investments of $100K and a beautiful sedan worth $20K. Total assets Nick owns is $130K.

Let’s assume he also has a credit card balance of $3K and a student loan of $47K which makes his total liabilities amount to $50K.

So, Nick’s net worth is $130K (assets) minus $50K (liabilities), which equals $80K. Nick has a total of $80K to his name.

5. Ponder how to increase your net worth

Now that you’re done with the difficult math (just kidding), it is time to think how you can improve it next month and see your overall financial health making some progress.

Concentrate more on attacking liabilities. Consolidate or pay debts if you can afford quickly. Bolster your assets by diversifying and investing in Crypto, real estate, stocks and so on.

Aim for the sky. There’s Bezos at the top with $186B, according to Bloomberg billionaire index

Can Net Worth Be Negative?

So, if you have $50K in assets and $50K in liabilities, that means you have nada or zilch ($0).

If you have $50K in assets and $100K in liabilities, that means that you have no wealth and your NW is -$50K. Yes, you can definitely have a negative NW, if you have more liabilities than your assets.

If you have it negative, make sure you put active effort into becoming debt free as soon as possible. Debt keeps up at night and has a negative effect on mental health too.

How often should you calculate your net worth?

I always look at my net worth when the month begins for the previous month. I feel doing it monthly is the best cadence to check how your net worth has changed. You can look at your budget, expenses and net worth at the same time, which will help you see what you need to improve on and change.

There might be huge fluctuations between months if you invest in Cryptocurrency or Stock market might swing heavily up and down or your home values change drastically, or your car value dropped at the beginning of a new year. So don’t be worried by small month on month movements. Have a net worth goal for the year and achieve it at the end of the year, Net worth is a great measure of personal wealth and I highly recommend to keep track of it.

How to increase your wealth fast?

Whatever is your level of assets and liabilities, you still need to think on how to grow the assets. If the NW is negative, first concentrate on getting it on the positive side, by paying off the debt quickly. You should hate debt to the core to do it.

To increase your net worth fast, there are many things you could do

Find ways to make more money

Pay off debt

Cut your budget

Invest your money

Save more money

Let me know in comments what strategy you used to grow your net worth fast!

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walduissymavelleyq94insuran-blog · 5 years

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How can I fight to get more money out of my car insurance company?

We bought a 2011 Lancer on Dec 8th 2010. On Dec 27th 2010, we slid off the road in a blizzard, but the car was not damaged AT ALL. The car was parked and only had our pets and christmas gifts from the holidays. An idiot speeding in a snow storm made a b-line into our car. Both ours and their insurance determined the car totaled and the other driver was found at fault by his insurance company. We did have GAP coverage (which will NEVER happen again). The car was 19 days owned and we believe we should get MSRP for our car. Does anyone know if this is reasonable? I think we pay so much every month and therefore are entitled to be in the same position financially as we were before the accident. (Also, we had stuff: a rifle ,I might suggest that you try this web page where you can compare quotes from different companies:

BEST ANSWER: Try this site where you can compare free quotes :cheap-insure.info

SOURCES:

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elizabethcariasa · 5 years

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'Justin' Bieber and other collectible baseball cards face a special capital gains tax rate

Oops! Someone at Topps was thinking about someone else when Shane, not Justin, Bieber's baseball card was produced.

Did your mom throw out your baseball card collection when you went off to college?

If so, you can start anew today, National Baseball Card Day, by picking up some brand spanking new cards.

The Topps Company, the official trading card partner of Major League Baseball, is celebrating today by giving out free specially-made cards at MLB stadiums across the country, local hobby shops and a couple of major retailers.

The new packs feature MLB stars and up-and-coming rookies. Lucky fans also will find randomly inserted autographed cards in the new packs.

Bieber boo-boo: One card that won't be Topps packs today is Cleveland Indians' pitcher Shane Bieber.

As the photo at the top of this post shows, the company erroneously referred to the righthander as Justin on the back of the card.

Bieber, the major league ball player, took it in stride and with good humor.

He posted the mistaken identity card on Twitter, simply noting "Nice Topps" with an added smiley face emoji. That got a quick, contrite "Is it too late to say sorry?" response from the card company.

Shane's good humor probably comes from the fact that such confusion and jokes have been around for a while. During last year's MLB Players' Weekend when players replace the names on their jerseys with their nicknames, Shane's read Not Justin.

But even better, baby, baby, baby, was that Justin Bieber chimed in on the Topps confusion, too, telling Shane that he felt like they now have a special connection.

I feel like we have a special connection https://t.co/fv80Lf8ABu

— Justin Bieber (@justinbieber) August 5, 2019

Shane will be wearing the Not Justin nameplate again this coming (Aug. 23-25) Player's Weekend, but maybe for future events he'll be known as Justin's Pal.

Valuable collectibles: Anyone who has one of the reported 25 Shane/Justin Bieber cards could cash in on Topps' mistake. Several eBay sellers are asking several hundred dollars for the erroneous card.

While that's still a way to go from some of the most valuable baseball cards, like Mickey Mantle's 1952 Topps that sold last year for nearly $3 million, it's still impressive.

So if you do have one, make sure your mom or spouse knows that it's not to be tossed.

Also note that you'll face some special tax considerations on profits made from the sale of a collectible.

If you hold the item long enough, it qualifies for the generally lower capital gains tax treatment.

Special tax treatment of collectibles: The applicable capital gains tax rate, however, is not one of the commonly referenced rates we pay for traditional assets.

Those are the 0 percent, 15 percent and 20 percent rates that were left intact by the Tax Cuts and Jobs Act (TCJA).

These rates still apply to any profit you make on assets you sell after owning them for more than a year, although the law did change the income brackets (which are adjusted annually) to which each of these now apply.

The TCJA also left in the tax code the special 25 percent tax rate on unrecaptured section 1250 gain from selling section 1250 real property and the 28 percent tax rate for profits from the sale of section 1202 qualified small business stock and, for this post's purpose, collectibles.

Capital gain tax differences: Why the special, higher rate for collectibles? The public policy argument for a different, and less advantageous, tax rate for profit on collectibles is that such sales don't have any broader economic impact.

True, culturally society benefits from preservation of works of art, antiques and other collectibles.

But, goes the tax argument, there isn't a larger-scale economic gain on investment in collectibles like we often see from investments that produce innovative techniques, new products and higher productivity.

So Uncle Sam rewards those more economically focused long-term investments that benefit the country's gross domestic product with lower capital gains tax rates.

Defining a collectible: So what exactly is a collectible? The short, and some might say smart-ass, answer is simply that it's an item worth collecting.

The IRS, however, has some guidelines. Here are some things that for tax purposes (and noted in IRS Publication 17) are typically considered collectibles:

Art Gems Rugs Stamps Coins Precious metals (such as gold, silver, and platinum bullion) Antiques Fine wines or other alcoholic beverages

No, baseball cards are not specifically listed in IRS documents. Neither is that Babe Ruth autograph that's been handed down through your family for decades.

But those and other sports memorabilia generally are considered collectibles when they have an additional value based on their rarity and market demand. Essentially, the opinion of other collectors and experts, based on what they are willing to pay for your collection, determines its value and collectability and tax rate.

For example, a typical one-ounce gold coin is worth about $1,500 today based upon the value of the metal. It's not considered a collectible by the IRS. However, a rare 19th century gold coin could be worth many times more to a collector, even though it is made of exactly the same amount of gold as the common coin.

The same approach applies to sports-related items. Your autographed MLB card of Al Bumbry is valuable to you on a sentimental basis because you saw him when he played on the Baltimore Orioles 1983 World Series championship team. But it won't net you much on the sports memorabilia market.

If, however, you ever get your hands on one of the only 75 Honus Wagner cards issued in 1909 by the American Tobacco Company, you are set for life. One of those cards was privately sold earlier this year for $1.2 million.

Figuring your tax: As with all investments, you're taxed on the profit. That's what you sell it for minus its basis.

Basis begins with your acquisition cost, which for collectibles generally include auction and/or broker's fees along with what you paid for the item.

If you inherited the collectible, your basis is the item's fair market value at the time of bequeathing owner's death.

Note, too, that if your collectible item requires special care, for example, added costs to maintain the piece or restore it, those expenses also are part of your basis in the collectible.

What you get when you sell the item, less the accumulated basis, is the amount upon which you'll owe taxes at 28 percent.

That rate, of course, is if you sell it more than a year after buying or inheriting it. As with all capital gains calculations, if you sell a collectible you've owned for a year or less, your profit is taxed at your ordinary income rate.

Also note that you might not owe the 28 percent rate.

If you figure your tax using the maximum capital gain rate and the regular ordinary tax rate for your income level and find that the ordinary tax is lower, then that's what you pay.

Why you collect: Finally, the approach you take to your collecting also could affect any potential taxes.

Collectors of valuable items do so because they are (1) dealers in the goods, (2) see the items good investments or (3) simply enjoy collecting as a hobby.

The tax treatment for each circumstance is different and discussed in the CPA Journal's article Planning and Tax Considerations for Collectibles, which earns it this weekend's Saturday Shout Out.

You also might find these items of interest:

Estate gets $14 million tax refund on value of art

Lawmaker goes to bat for Texas Rangers' ballpark tax break

Celebrating MLB Opening Day 2019 with a glance at how taxes affect America's Pastime

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kennethherrerablog · 5 years

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Need More Money? Here Are 30 Ways to Earn Extra Cash in 2019

It’s simple enough: You. Need. Money.

Now.

But deciding how to make money — or how to make more money — can get complicated.

As Penny Hoarders, we have plenty of experience sharing ways to make bank, and we’ve compiled 30 ways to do it quickly in 2019.

Whether it’s online, offline, at your job or by doing nothing (OK, not nothing, but through passive income), we’ll tell you how to find moneymaking opportunities and how much you can expect to take in.

What are you waiting for? Let’s earn some quick cash!

How to Make Money Online

Although there may be plenty of ways to make money online, that doesn��t mean they’re all worth your time. We’ve researched the effort vs. reward for these online options — from earning a few bucks for completing simple tasks to making enough dough to quit your day job.

Read on for more ways to earn extra cash on the web.

1. Trade Unwanted Gift Cards for Cash

What to do with all those gift cards from well-meaning relatives who either don’t know your interests or don’t take your location into consideration? (Thanks for the In-N-Out Burger gift card, but I live in Brooklyn.)

Sell them for cash (or a gift card you’ll actually use).

The Penny Hoarder’s Branded Content Editor Dana Sitar analyzed five gift card exchange sites that swap for cash or other gift cards.

Although you can make some fast cash this way, know that you won’t get the full face value of the card. Sitar suggests checking out two or three sites to find the best deal.

She also warns people to be wary of fast-cash offers through mobile payment sites like PayPal, which charges additional fees.

How much money can you make? The site Cardpool offered Sitar $21 cash for a $25 Target gift card.

2. Find a Side Hustle on Upwork

Hey there, fast fingers. You might be feeling low with the news that ”typist” is among the dying occupations, but that doesn’t mean you can’t still find a way to make money hitting the keys (at least for now).

Upwork is a freelance site that lets you indicate whether you prefer short- or long-term projects and the number of hours you wish to work. You can narrow your search to specific jobs like “virtual assistant” or “data entry” within categories that include design, writing, administrative support and customer service.

Improve your chances of finding jobs that fit your skill set and fit into your spare time by being as precise as possible in your profile title and focusing on just a few keywords.

You’ll get paid by the hour or by the project, minus a percentage that Upwork charges freelancers.

How much money can you make? One Penny Hoarder earned $40 per hour on Upwork as a virtual assistant.

3. Freelance on Fiverr

Looking to pad your bank account by writing articles, designing logos or translating text?

Check out Fiverr, an online marketplace for freelancers. You can set up your platform for free, but Fiverr collects 20% of the transactions made over the site. Then it’s just a matter of choosing your gig.

Jobs tend toward the creative types, but there’s a wide range of categories, including graphics and design, digital marketing, writing and translation, video and animation and music and audio.

How much money can you make? Pay starts at $5 per project, but Charmaine Pocek told The Penny Hoarder she earned $30 to $800 on Fiverr as freelance writer creating resumes and cover letters and optimizing clients’ LinkedIn profiles. In the past six years, Pocek has added to her to total and has now made $2.3 million from work she’s found on the site, according to Abby Forman, spokeswoman for Fiverr.

4. Teach ESL Online

You love kids, but at a distance — because, you know, those sticky hands. So snag a work-from-home job teaching ESL (English as a Second Language) to Chinese students ages 4 to 12 through services like VIPKID and Qkids.

Both online platforms require a bachelor’s degree, a six-month commitment and the ability to work a minimum of six to seven hours per week. Teachers fill time slots by posting their availability — and since China is on the other side of the globe, your schedule will need to accommodate the time difference. (If it’s 6 p.m. in China, it’s 5 a.m. in New York).

After quitting her full-time job, new mom Kirsten Cherry of Twin Falls, Idaho, found part-time work teaching students through VIPKID.

“I got hired in June. Within two weeks, my schedule was 97% full,” said Cherry, 26. “In the first month, I earned over $1,000.”

How much money can you make? Qkids states on its site that the base pay is $8 per 30-minute lesson, plus attendance and performance incentives. Cherry said she makes up to $22 teaching two lessons in an hour through VIPKID.

5. Test Websites and Apps

For all the sprinters out there, website and app testing could be your path to fast cash.

Start by filling out a registration form with a testing service. Once approved, you’ll receive access to projects as they become available. Testing involves interacting with a site and completing a series of tasks while providing feedback for market research.

Most testing requires you to work from a computer rather than your cell phone, as you’ll speak your feedback out loud as the company records your experience through the testing interface.

Cherry said she tried three different testing platforms and found the most success with Userlytics.

Most tests only take five to 15 minutes to complete, she noted, but you have to be ready to test at a moment’s notice.

“A lot of them I can actually do, as long as I click on them and follow the link on time,” Cherry said. “Sometimes even within 10 to 15 minutes after you get the email, they’re already full; they already have enough tests done.”

How much money can you make? Banking $10 to $20 per test, Cherry has earned $200 for taking a total of 18 tests.

6. Become a Search Engine Evaluator

Use your attention to detail to make money as a search engine evaluator.

Evaluators analyze the relevance and quality of ads and news feeds — think: deciding if those Google search results make sense. The guidelines are fairly strict for these kinds of jobs, and testing can be extensive.

You’ll need in-depth, up-to-date knowledge of the topics you cover and of the web in general, according to Prathima Tothempudi, senior human resources business partner at Lionbridge, a company that regularly posts openings for search engine evaluator gigs. In exchange, you’ll get a job that typically offers a flexible schedule.

How much money can you make? Lionbridge pays $10.80 per hour, Tothempudi said.

7. Sell Free Stuff on Craigslist

The online classified site Craigslist lets you sell stuff for cash, including items you get for free. And you don’t even need to leave the site to find those freebies — there’s a “free” listings section right there on Craigslist. Convenient, right?

Penny Hoarder Steve Gillman picked up six boxes of floor tiles he found for free on Craigslist, then sold them to the first flooring company he passed on his way back home.

How much money can you make? Gillman made $10 off of the pile of tiles.

8. Sell Thrift Store Finds on eBay

Selling your possessions on the auction site eBay is one way to pocket some cash quickly.

You can also make money by buying designer clothes for cheap, then selling them on the site to the highest bidder. If you have an eye for fashion — or at least the most popular labels — you can track down inventory at local thrift stores.

Create listings for your items, making sure to include well-written item descriptions and quality photographs to give your listings a professional polish (and get top dollar). Check out similar items to get a sense of where to set your starting bid, and be sure to incorporate the costs of shipping and eBay’s seller fees into your price.

Penny Hoarder Kat Tretina resold designer jeans by starting with a minimal investment — packaging tape and a scale to weigh packages for shipping — and ended up more than tripling her money.

How much money can you make? Your profitability depends upon what you’re selling, but for working 10 to 15 hours a month, Tretina made $500 to $800.

9. Sell Handmade Goods on Etsy

If you have a knack for crafting, you probably are already familiar with Etsy, aka the crafters’ paradise.

And if you’re considering making the leap from selling your wares at the farmers market to earning your money online as a crafty small business, starting out on Etsy is fairly simple. When you set up your site, you’ll pick a name, choose the items to list (the site recommends starting with at least 10) and set up payment and billing.

The site charges 20 cents for your first item, and you’ll pay transaction and payment-processing fees when you make a sale. To turn your shop into a viable moneymaker, take advice from those who’ve gone before you.

Lena Gosik-Wolfe, who followed up on a successful Etsy store with a second business advising people how they can sell on the crafty site, offered the following tips for ways to make money on Etsy:

Treat your shop like a brick-and-mortar version.

File necessary tax documents.

Design a professional site to attract customers.

Develop a clear, cohesive marketing strategy.

How much money can you make? Your Etsy profitability depends on what you’re selling and how much time you put into your business. Crafter Beth Gates told The Penny Hoarder she made $400 during her first six months selling Southern-style sundries and crochet items. After dedicating more time to her business, she made more than $4,000 in one year.

10. Do Online Transcription

Those listening skills you honed by eavesdropping on your roommates’ conversations could finally pay off with a job in online transcription.

Transcription jobs usually require an assessment test to gauge your typing speed and accuracy. Depending on the service, you could be listening to a car commercial or court hearings, so find out what you’re getting into before you apply.

Cherry wishes she had known that tip before she signed up for her first transcription gig, which brought in $85.15 over six months for a job that required extensive testing and a lot of studying to follow a strict style guide.

“For that first transcription job, oh my gosh, I spent hours on that, and I got paid so little,” Cherry said. “I wish I would have just, in the beginning, told myself, ‘Hey, this just isn’t going to be worth it. Find something else.’”

Cherry had better luck after discovering the transcription service Rev, which offered a user-friendly platform and more lucrative projects.

How much money can you make? Making 40 cents to 75 cents per minute of transcription at Rev, Cherry earned $87.45 in one month for less than four hours of work.

11. Incorporate Affiliate Marketing Into Your Blog

Hey bloggers, there’s money to be made through affiliate marketing.

The basic process for making money through affiliate marketing goes like this: Write reviews about products on your blog and include a specific tracking link. When readers click the link and make a purchase, you receive a commission.

The more readers you have, the better your chances for making money, so attracting more eyeballs to your site is essential. One way to do that: Pitch articles to other blogs that allow you to link back to your blog.

How much money can you make? The affiliate marketplace ClickBank, which offers products and services to promote in your blog, says commissions range from 1% to 75%. The maximum commission on a single sale is $150.

12. Take Online Surveys

Looking to make a few bucks from a task that doesn’t require much effort? Taking online surveys could be your jam.

After signing up with a platform like Swagbucks or InboxDollars, you’ll select surveys based on your initial application, then answer questions that take an average of 20 minutes to complete.

The Penny Hoarder reviewed six online survey sites, noting that some paid out cash directly while others paid in gift cards or even sweepstakes entries. So do your homework before you sign up.

How much money can you make? Swagbucks surveys pay anywhere from 40 to 200 SB (100 SB equal $1), according to our Swagbucks review. Earn 300 SB to cash out for $3 gift cards to places like Amazon or Dunkin Donuts.

How to Make Money Fast (and in Person)

What if you need money fast and you want to do something that calls for less face time with your screen and more face time with actual, live human beings (or animals)?

Read on for ways to make more money in person.

13. Drive for Uber or Lyft

Need a fun, flexible way to earn money while also meeting lots of new people?

Try driving with Lyft.

Demand for ride-sharing has been growing like crazy, and it shows no signs of slowing down. To be eligible, you’ll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later.

Best of all, you can do it on your own time. You can work days, nights or weekends — it’s up to you.

Because it’s easy to switch between apps, Lyft drivers often also sign up to drive with Uber.

How much money can you make? We talked to Paul Pruce, who had been driving full-time with Lyft for over a year and earning $750 a week as a driver.

14. Do Household Tasks Through TaskRabbit

You’re the person Aunt Peggy always calls to fix a faucet or assemble a bookshelf.

It’s time you stopped getting paid in oatmeal cookies. (Sorry, Peg).

Instead, use your household know-how to earn extra cash on TaskRabbit, which connects you with clients who need help cleaning their house, hanging pictures and making deliveries. In exchange for getting paid for your work, TaskRabbit deducts a 15% service fee.

How much money can you make? The company has stated you can make up to $2,000 per week — but no cookies.

15. Start a Pet-Sitting Business

If you prefer your coworkers to be the four-legged variety, snagging a job as a pet sitter could be the job you’ve been begging for (as if you thought I wouldn’t go there).

Posting notices on your local social networks will help you find owners in need of walkers, sitters and general companions for their fur babies.

Want to improve your rate of hire as a newbie? Instill trust by snapping a few photos of the pet when you’re with them, then send them to the owner, according to Lisa Peddicord, who has a pet-sitting side gig.

How much money can you make? Peddicord told The Penny Hoarder she made just under $10,000 in 2018.

16. Walk Dogs With Rover

If you’re looking for a flexible, independent way to earn money — and you love hanging out with dogs — Rover might be your perfect gig.

The online network connects dog walkers and sitters to local dog owners through its 4.9-star-rated app, so you don’t have to staple flyers on every utility pole across town.

Rover dog-sitter requirements vary by location. In general, you must:

Be 18 years or older.

Pass a background check.

Have access to the Rover app (iOS or Android).

Here’s how it works: You’ll create an online sitter profile where you’ll answer questions about your experience with puppers and your schedule availability.

You can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. Boarding is the app’s most popular service, so offering it can get you more gigs. You set your own rates. (Rover keeps a small percentage as a service fee.)

Dog owners will reach out to you. Accept which gigs you want, then start snugglin’ pups. As soon as you complete a service, you’ll be paid within two days.

How much money can you make? Rover says sitters can earn as much as $1,000 a month.

17. Deliver Groceries Through Shipt and Instacart

Enjoy spending money but still need to make some? You can pocket cash if you’re willing to shop for other people — particularly for their food — and drop it off at their homes.

So if you have a keen eye for kiwi or a knack for knowing your knockwurst, you could make bank shopping and delivering groceries for Shipt or Instacart, on-demand grocery-delivery services.

To get started, you’ll sign up for an account, then select your schedule based on your availability. Instacart lets you pick between shopping and delivering or just shopping in-store, so you don’t even necessarily need a car.

You’ll receive orders through the company app and can communicate directly with the customers in case the store is all out of their preferred brand of pickled pig’s feet.

How much money can you make? Instacart shoppers in larger metropolitan areas can make $25 per hour during high-demand times, according to Instacart Boston city manager Nima Zahedi. Shipt notes on its website that shoppers make an average of $22 an hour, and Shipt shopper Destiny Firth told us she made approximately $600 per week (including tips) working 35 hours per week.

18. Sell Your Old Video Games

That old Mario Kart at the bottom of your video-game bin could be making you money instead of collecting dust.

Penny Hoarder Staff Writer Adam Hardy used GameStop’s rather stingy buyback policy to his advantage by swapping store credit for gift cards and maximizing his profit.

How much money can you make? GameStop originally offered Hardy $72.40 cash for his games, but he opted for the $111.14 Shell Gas card instead, which he could then trade on CardPool for $95.58 cash.

19. Become an Airbnb Host

Have a spare room? Might as well try to earn some money by listing it on Airbnb.

If you’re a good host with a desirable space, you could add hundreds — even thousands — of dollars to your savings account with Airbnb.

A few simple steps can make the difference between a great experience and a less-than-satisfactory one. We talked to Terence Michael, an Airbnb superhost based in Los Angeles.

Here are some of his tips:

Break out the labelmaker. “I have the entire house loaded with labels,” Michael says. “They look nice; they’re modern. This helps people feel less helpless.”

Be a good host, and stock your place with the toiletries you’d expect at a hotel — toilet paper, soap and towels. Here’s a little hack from Michael: “I order on Amazon and have it delivered when people are there.”

Be kind to your neighbors. “I say, ‘I’m not going to put anyone here who I think won’t be good for you,’” Michael explains. “And I turn a lot of big groups away, especially in Nashville. I don’t want anyone going to the cops or the city.”

How much money can you make? Figure your potential earnings with this Airbnb calculator.

(Hosting laws vary from city to city. Please understand the rules and regulations applicable to your city and listing.)

20. Rent Out Your Ride on Getaround

It doesn’t seem fair: While you toil away at the office all day, what is your car doing?

Living the sweet life in a parking garage.

Make that freeloader earn its keep by renting out your ride during your workday. (You can also do it on weekends you prefer to stay in and binge watch “The Good Place.”)

Peer-to-peer car rentals let you lend your car and pocket the cash. Getaround, available in New Jersey and 13 cities in other states, allows you to list your vehicle for free.

How much money can you make? Getaround says users can make up to $800 a month.

21. Find Baby-sitting Jobs on Care.com

You can recite the names of every Paw Patrol member, you knew Doc McStuffins when she was just a resident and you can sing every verse of “Baby Shark” — with a smile.

You were born to baby-sit.

If you’re the responsible type and love kids, baby-sitting can be an easy gig to pick up on the side, starting with your own friends and family

And services like Care.com can expand your client base beyond your inner circle — plus, it lets you choose other caregiving options like pet sitting or senior care.

How much money can you make? The average baby-sitting rate was $16.20 per hour, according to a 2018 Care.com Cost of Care Survey.

Make Money on Social Media

You already spend a lot of time on social media, so why not make some fast cash there, right?

Most people who make big money do so based on the size of their audience (hello, Kardashians). But that doesn’t mean it’s impossible to make some bank — especially if you have a loyal following that has the potential to grow.

Considering 70% of teenage YouTube subscribers say they relate to YouTube creators more than traditional celebrities, there’s plenty of reason to believe that even smaller social media influencers can attract advertiser dollars.

If you’re among that group of influencers, there are ways to grow your audience, build a professional profile and thus attract more money. Online platforms like Kred, Klear and GroupHigh can help you connect with companies that will pay you to mention their brands to your audience.

Ready for the spotlight? Check out these ways to make money on social media.

22. Stream on Twitch

Your mom was wrong. Playing video games might not be a waste of your time after all.

Cory Michael started streaming his gaming sessions and over four years attracted 29 million people to watch him tackle Destiny and other multiplayer online games. As a result, Twitch accepted his partnership application and agreed to pay him to play.

How much money can you make? Michael explained to The Penny Hoarder that there are three ways to make money streaming on Twitch: tipping, ad revenue and subscriptions. Top Twitch streamers can earn hundreds of thousands of dollars per month.

23. Produce Videos for YouTube

Put that camera phone to work by making some bucks logging your life, times and cat videos on YouTube.

But you’ll need more viewers than your biggest fan (thanks, grandma!) to make money on the video streaming site. To be reviewed for the YouTube Partner Program, your channel must have at least 4,000 watch hours in the previous 12 months and 1,000 subscribers.

Linden Wolbert, who makes a living performing as a mermaid, said she loves teaching kids about the ocean on “Mermaid Minute,” an educational web series she launched on the YouTube channel in 2012. But after YouTube raised the bar for its Partner Program in 2017, “It’s become a lot more challenging,” she said.

To help attract more eyeballs to your site and reach the threshold, the YouTube Creators channel advises vloggers to post new videos consistently and frequently — think Monday through Friday at 3 p.m., no matter what your cat did that day.

Your channel can make money through advertising, subscribers and Super Chats — that’s where fans can pay extra to add a highlighted message to the chat as you live stream.

How much money can you make? Wolbert made four figures a month before YouTube updated its algorithms, but YouTube indicates there are opportunities to earn even more money. Its press page states that the number of channels earning five figures per year grew 50% year over year.

How to Make Passive Income

Even if you don’t have the free time to take on a part-time job, you can still make money by putting in a little front-end work.

It’s called passive income, and we’ve found ways to help you pad your bank account without lifting a finger (or at least maybe not all of them).

24. Earn Cash Back on Purchases With Ebates

Instead of handing over all your hard-earned money when checking out, how’d you like to earn some of that cash back?

Ebates lets you earn anywhere from 1% to 25% on purchases you make at its retailers; (there are 2,500, so lots of options). You can sign up for free using your Facebook or Google account.

By clicking the “shop now” button before you check out, a percentage of the price goes back to your Ebates account.

How much money can you make? On its site, Ebates says you can earn a $10 Walmart gift card or Ebates cash bonus by spending at least $25 and making your first purchase through the site within 90 days of signing up.

25. Upload Your Receipts to Ibotta

You’re already a coupon cutter (right? right?!?), so discover another easy way to make cash back on your groceries with the Ibotta app.

After you sign up for an account, click the little addition sign next to the products you can save on (just like couponing, but without the scissors). Then upload a picture of your receipt, and Ibotta deposits the amount saved into your account. You’ll get a $10 sign-up bonus after you upload your first receipt. Once you reach the $20 minimum, you can cash out through PayPal or Venmo.

Even better, the app isn’t limited to grocery store purchases — you can earn cash back on other shopping and travel, too.

How much money can you make? Penny Hoarder staffer Colleen Rice earned approximately $45 from Ibotta during one road trip by finding cash-back deals on Hotels.com.

26. Invest in Real Estate

Even if you’re not exactly the handy type (hand raised) or you don’t have cash to sink into million-dollar properties (both hands raised), you can make passive income from real estate through online investment options like Fundrise.

For as little as $500, you can join the crowdfunding-style real estate investment platform, which invests in American properties. Learn more in The Penny Hoarder’s review of Fundrise.

How much money can you make? Fundrise has seen historical returns of 8.7% to 12.4%. (Note: As with any investment, past performance isn’t indicative of future results.)

27. Earn Interest on Savings Accounts

Will you get rich quick putting your money in a savings account? No.

But if you’ve been leaving your money to waste away in a traditional savings account with its minuscule returns — or you don’t have a savings account at all — high-yield online savings accounts can offer you at least some passive income.

Varo Money combines traditional banking tools with modern technology to help its customers become financially healthy.

Here’s the best part: Pair your bank account with a Varo Savings Account, where you’ll earn 2.1% annual percentage yield. That’s 35 times — repeat, 35 times — the average savings account, based on a 0.06% average reported by CNN Money.

Varo goes easy on the fees, too. As long as you use one of its 55,000 ATMs across the world, you’ll never pay fees.

Additionally, you’ll pay no monthly service fees, no minimum balance fees, no foreign transaction fees and no cash replacement fees. You’ll just pay any fees charged by out-of-network ATMs and cash deposit fees if you deposit cash in-store through Green Dot.

How much money can you make? If you tuck away $1,000 in an account with a 2.1% annual percentage yield (APY), you’ll earn an extra $21 this year.

28. Use Credit Card Points

Wait a second, you say, I’m trying to make money, not spend it!

But you do have to spend money on some essentials, right? Like groceries and gas?

I can speak from personal experience that collecting points on these purchases can help you earn cash back and gift cards.

The key to this being worthwhile, though, is that you must pay off your credit card each month. Otherwise, the interest you’re paying on the balance negates any profit you’re making through point accumulation.

How much money can you make? I received $250 in Target gift cards last year by using points I earned on my Mastercard.

How to Make More Money at Your Job

This may seem like an obvious option — you’re already making money at your job, right? (If not, find another job.) But since your employer is already a source for earning cash, why not consider it as an option for making more money?

29. Ask for More Hours (and More Money)

If you’re working a part-time job, one way to make more money is to ask for more hours.

In addition to the extra cash, a full-time position may offer more benefits, like paid time off and health insurance coverage.

Make your case for more hours with a list of current accomplishments and ways you can further help the company, suggests career strategist Emily Kapit of ReFreshYourStep.com.

“You set yourself up for the best chance of success… if you go in prepared and also positioning it as helping the manager,” Kapit said. “You’re going to feel more empowered.”

Check out this article for more tips for turning your part-time gig into a full-time job.

How much money can you make? It depends on how many additional hours you can snag. And since benefits account for 31.8% of an employee’s total compensation, according to the Bureau of Labor Statistics, be sure to check out this article to figure out your total compensation package.

30. Ask for a Raise

Wouldn’t it be great if your boss just said, “Hey there, superstar, how’d you like a big pile of money for being awesome?”

That probably won’t happen. (And if it does, don’t do the humblebrag thing on Facebook. It’s annoying.)

If you want to ask for a raise, you should first know whether you’re in a good position to negotiate, according to Michelle Tillis Lederman, CEO of Executive Essentials and author of “The Connector’s Advantage.”

“Are you getting good assignments? Are your getting good feedback?” Lederman asked. “What was your performance-review comment? Did you exceed expectations, or did you just meet expectations?”

Before scheduling a meeting with your boss, arm yourself. Check out salary-comparison calculators on sites like Glassdoor, and document your work wins — and the approximate value they add to the company — to prove your worth. And don’t forget to check out what the competition is offering someone with a job similar to yours.

How much money can you make? Chad Busta told The Penny Hoarder he used a competing offer to negotiate with his current employer for a 6% pay raise and the ability to work from home.

More Ways to Make Money

Here’s the thing to keep in mind about making money: No matter what the flimflam artists may claim, you generally don’t make money without any effort.

But instead of dreaming about making a million dollars by posting videos of your cat on YouTube, you can realistically expect to make extra cash by putting in some time and effort.

That’s been Cherry’s experience. She says that by working a few hours every day, she’s earned money to help her family — and to enjoy a few perks.

“If I earn a certain amount of money, I say I’ll give myself 10%, and then I put it toward what I want,” she said. “It just makes me happy that I’m earning something and that I can buy myself a little extra.”

And if you’re looking for even more ways to make bank, check out our post on side jobs to make extra money.

Happy earning!

Tiffany Wendeln Connors is a writer/editor for The Penny Hoarder. Find her on Twitter @TiffanyWendeln.

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

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

Need More Money? Here Are 30 Ways to Earn Extra Cash in 2019 published first on https://justinbetreviews.tumblr.com/

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literateape · 6 years

Text

Judged a Total Loss by a Complete Sham

By Don Hall

This summer, as you likely know, my office has been Millennium Park. Thus, I have had little need to drive much. Taking the Blue Line every day and night, my time in my Prius has mostly been limited to moving it from legal parking spot to legal sparking spot and letting sit as long as I can without getting a street cleaning ticket or some sort of shit.

So, when I was just waking up, sitting in front of my computer with a mug of coffee, at around six o'clock on a Sunday morning and I heard, from the street, “Mr. Hall?” The last thing I expected to hear was, “Don Hall? Your car has been involved in an accident.”

It was the cops and they waited for me to come downstairs (in clothing) to take me to my legally parked car. The street side of it was a bit mashed in. Scraped up and mashed in. It turned out that the night before a drunken kid driving his mother’s SUV hit thirteen cars in his inebriated reverie. The Prius was Hit #1 making my tiny hybrid the speed bump that slowed him down thus sustaining the most damage. I live in Wicker Park. I live above one of fifty bars on the strip. It’s extraordinary this has never happened before.

I took the information on him (they caught him that night) and checked online. I had his name, his address, his mother’s name (he lived with his mother), and the insurance company (American Access) and policy number. I went to the other site and reported the accident. I tried to get ahold of their insurance company to no avail. I want to be furious at this stupid 22-year-old chimphole but I remember that pretty much all 22 year olds are kind of stupid by design. I was incredibly stupid when I was 22 and certainly had my fair share of driving while plastered (although I never wrecked a parked car or a moving car for that matter.) I want to be pissed at him but I already know that being pissed accomplishes nothing so why waste the energy?

Later that morning, Dana and I went down to see if the car could be driven. It was fine. All body damage, no glass broken. Looking at it, I thought it would be around $4K to fix it. We hopped in and I took Dana to Oak Park for a gig to see how well it still drove. To assess the damage to its drivability. Because it seemed perfectly fine the worst thing I can say is that, now, I’m driving a real beater car and, while a pain in the ass, it isn’t the end of the world. It was his fault and his insurance was going to pay for it, right?

Wrong.

We all understand why it’s rigged, right? The government steps in and requires a license for people to legally drive a vehicle. The government manages that licensing process and, despite the fact that one generally has to stand for hours in a sweaty line in order to get up to the front only to find out you have an unpaid parking ticket from 1985 that you have to pay to get your license and you can only pay in the building across town so you take another day off work to stand in another long fucking line to pay it then go back to get your license, you still get the privilege to legally drive.

Oh, but then there’s the city stickers for Chicago:

During negotiations for Chicago’s 2012 budget, newly elected Mayor Rahm Emanuel and then-City Clerk Susana Mendoza agreed to hike the price of what was already one of the priciest tickets vehicle owners can get in the city. Citations for not having a required vehicle sticker rose from $120 to $200.

The increase, approved unanimously by the City Council, was pitched by Mendoza as an alternative to raising the price of stickers as well as generating much-needed revenue from "scofflaws."

Debt from this one type of ticket swelled, compounded by late penalties and collection fees. Collectively, drivers now owe the city some $275 million for sticker tickets issued since 2012.

SOURCE

The government also requires insurance as well, but hand that process over to private business with little regulation and those businesses are there to make money. So they make money telling you they’ll pay you back if something bad happens to your car. When something bad happens to your car, these companies often (and I mean often) find arcane ways to cheat you from the bargain of insurance.

For the record, American Access Insurance is no better than scanning an old insurance card and photoshopping new dates on it. After calling their office eight times in three days and listening to bad easy jazz for longer than my brain could handle, I turned to my insurance: Progressive.

I’ve had no problems with Progressive. I’m a Diamond Member (whatever the fuck that means) and technically speaking haven’t needed them until now, so it was time to see how good their promises on the idiot box held up. I have the iPhone app and I use it. I send the police report, the info on the kid and his mom, and request some promised pay for help.

First up at bat was Craig. Craig was helpful. Told me no problem, took my info, took the info on the other guy, told me to take the car to an auto shop and let him know where it was at. I did all that: taking my crunchy ride to Armitage Auto Repair and getting the old school Chicago man’s man, Harry, to contact Craig.

Craig had passed the buck to Angela and she arranged for Anthony to come out and assess the damage.

Two days later, Adam sends me an email with the estimate attached with the sentence “We’ll take care of this and you should have your vehicle in a week or so. Notice the $250.00 deductible in the estimate.”

I look over the estimate. All body work. Nothing wrong with the car itself. $3,600 minus the deductible. I call Harry. He’s on it.

Same day, in the afternoon, Adam calls me. He now tells me that Anthony has reassessed the automobile and has deemed it a “Total Loss.” Meaning that it would cost more to fix it than it’s worth. While he’s on the phone, I drill up the CarMax website and the Bluebook for Used Cars. I look up my exact model, year and mileage.

“Adam. That doesn’t compute, man. I’m looking at six different cars, almost identical too mine and the average is $9,000. $3,600 isn’t even half of that.”

Adam proceeds to tell that Anthony went around the neighborhood and assessed ten vehicles similar to mine and determined that the basic body work made mine a “Total Motherfucking Bullshit Asslicking LOSS.” Progressive is going to take possession of my car, strip it and sell it for parts and give me $3,500.

“What the fuck are you talking about? I can’t buy a goddamned Vespa for $3,500 let alone a Prius in fucking any shape! Let’s give the money to fucking Anthony and let that jackass go find me a comparable replacement for $3,500!”

Yeah. I kind of lost my shit. I threatened to sue them. Empty threat. I went off on what a horseshit scam this all was. Pointless. Yes, I’ve spent a long while tamping down the Hulk Rage in my life but every once in a while, I’m reminded that it’s always still there just waiting for an excuse to erupt. I’m not proud of this just as I’m not proud of the occasional cookie or cheese binge I go on, or nights when I just let loose and drink too much booze.

I calm down. I get my ushers briefed but they can tell something is off. We disperse and my phone rings again. It’s Adam.

“Adam, first let me apologize. I work in a job right now where angry people yell in my face about things beyond my control all the time. I should know better. Sorry about that. And I am aware this call is being recorded.”

He laughs. He then tells me that he spoke to his supervisor and there is a second option. I can take possession of my own car, they’ll send me the balance of the claim, and my car will be listed as a salvage title should I ever want to sell it. I need the car — not to get to work or around a lot in the city — I need this car to get to and from Kansas, to and from Pennsylvania, to and from the various Team Retreats Dana and I like to go on.

On top of that, at this point in the space-time continuum, the idea of getting on a commercial airline seems kind of horrifying. Decreasing leg room to the point that if you were to crash, you couldn’t get out of your cracked-ass seat anyway. I just read about commercial flights having bed bugs. Shitpickles who feel entitled to put their bare feet on your tray table. Are you kidding me?

As I wrote once a long time ago, wheels equal freedom. Having once lived in my car, this rings truer for me than most.

I go for the second option.

He offers me $2,000. I ask Adam to send me the assessment from Anthony.

“I’m not supposed to...”

“Send it to me now.” I say in the don’t-set-me-off-again-Adam voice.

He sends it.

It turns out that Anthony has canvassed the neighborhood, found ten cars that fit the profile (Hybrid, 2008-2009, 100,000 miles or more.) The average resale price is $8K but then he has adjusted each down to an average of $4K. No notes to establish how he came to this adjusted average. He officially estimates the value of the Prius to be $4,350.

It occurs to me that if my driving record depreciates, the insurance company raises my monthly payment but that as my car depreciates and their obvious commitment to paying the freight should something go wrong wains, they should charge me less as the value of the vehicle goes down with age and wear and tear. But, oh, I dream of a world of fairness and justice for all, for work that pays a living wage, and free peanut butter and jelly sandwiches with hot chocolate every night as well.

I call Harry. He is sympathetic. He tells me to haggle for more than $2K and that he’ll cut me a deal on repairs.

I haggle with Adam. The fact that I know the assessed value from Anthony’s notes helps. They send me closer to $3K. Harry fixes my car for $2,400. It looks brand new.

Harry is one of those Chicago guys. Hard bit, rough around the edges, blue collar honest. If you need your ride fixed, call Harry. He’s solid. He's at Damen Auto Repair & Body Shop.

I’m still with Progressive but I’m down to the most basic, General Liability policy they have because, apparently, Full Coverage doesn’t mean a fucking thing.

#auto insurance scam #Shell Games R US #Full Coverage is Horseshit #don't drive your fucking mom's car when drinking #Armitage Auto Repair

0 notes

theliterateape · 6 years

Text

Judged a Total Loss by a Complete Sham

By Don Hall

Wrong.

Oh, but then there’s the city stickers for Chicago:

The increase, approved unanimously by the City Council, was pitched by Mendoza as an alternative to raising the price of stickers as well as generating much-needed revenue from "scofflaws."

Debt from this one type of ticket swelled, compounded by late penalties and collection fees. Collectively, drivers now owe the city some $275 million for sticker tickets issued since 2012.

SOURCE

Craig had passed the buck to Angela and she arranged for Anthony to come out and assess the damage.

I look over the estimate. All body work. Nothing wrong with the car itself. $3,600 minus the deductible. I call Harry. He’s on it.

“Adam. That doesn’t compute, man. I’m looking at six different cars, almost identical too mine and the average is $9,000. $3,600 isn’t even half of that.”

I calm down. I get my ushers briefed but they can tell something is off. We disperse and my phone rings again. It’s Adam.

As I wrote once a long time ago, wheels equal freedom. Having once lived in my car, this rings truer for me than most.

I go for the second option.

He offers me $2,000. I ask Adam to send me the assessment from Anthony.

“I’m not supposed to...”

“Send it to me now.” I say in the don’t-set-me-off-again-Adam voice.

He sends it.

I call Harry. He is sympathetic. He tells me to haggle for more than $2K and that he’ll cut me a deal on repairs.

I haggle with Adam. The fact that I know the assessed value from Anthony’s notes helps. They send me closer to $3K. Harry fixes my car for $2,400. It looks brand new.

Harry is one of those Chicago guys. Hard bit, rough around the edges, blue collar honest. If you need your ride fixed, call Harry. He’s solid. He's at Damen Auto Repair & Body Shop.

I’m still with Progressive but I’m down to the most basic, General Liability policy they have because, apparently, Full Coverage doesn’t mean a fucking thing.

#auto insurance scam #Shell Games R US #Full Coverage is Horseshit #don't drive your fucking mom's car when drinking #Armitage Auto Repair

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touristguidebuzz · 7 years

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Travel Tech CEO Series: Travelport Is Doubling Down on Its Payments Business and on Distribution, Too

Gordon Wilson is President and CEO of Travelport, the travel marketplace company, who has served in this post since June 1, 2011, having previously served as Travelport's Deputy CEO since November 2009 and as head of the Travelport distribution division since January 2007. Travelport

Skift Take: In his first Q&A with Skift, President and CEO of Travelport Gordon Wilson acknowledges that suppliers are no longer as dependent on distribution technology companies as they once were. He makes a persuasive case that better meeting the needs of suppliers is the way to thrive.

— Sean O'Neill

Editor’s Note: This year we expanded our coverage of the technology companies that do the behind-the-scenes work of powering the distribution and reservation systems of the world’s major airline, hotel, car rental, and railway groups.

Almost every flight, hotel, car rental, or train trip booking is touched by the software of these billion-dollar companies.

Despite their reach, these companies are largely unknown to consumers, and thus, lack glamor.

But these travel marketplaces, platforms, and distributors sit on major fault lines of disruption. The earthquakes affecting these companies tell larger stories about the travel industry as a whole. As new technologies and commercial models emerge and shake the industry up, these companies are pivoting in interesting ways.

In line with our increased attention to enterprise system vendors, we’re sitting down with a handful of industry leaders for our new Travel Tech CEO Listening Series to discover what the people at the top are concerned with now and where they see the industry heading.

Travelport, a Langley, UK-based enterprise software company, provides a lot of e-commerce services to the travel industry. But it is perhaps best known for being one of the world’s four major middlemen of airplane tickets, along with Amadeus, Sabre, and Travelsky.

Airlines distribute their fares via these so-called GDSs, or global distribution systems, which provides booking platforms for tens of thousands of travel agents and online travel agencies worldwide.

In June 2011, Gordon Wilson became the company’s president and chief executive. At the time, the company was backed by private equity group Blackstone, which had bought it for $4.3 billion in 2006.

In 2014, Wilson successfully guided the once heavily indebted company to an initial public offering.

Like its peer companies, Travelport wants to diversify beyond its distribution business, which — while still a cash cow — is facing pricing pressures on several fronts. Its most successful diversification effort is with eNett, a business-to-business payments service that is growing rapidly.

In his first interview with Skift, Wilson discusses his plans for the travel marketplace company and his view of what’s next for the industry. (The interview has been edited for brevity and clarity.)

Skift: What’s next for Travelport?

Wilson: Last year we did about $2.34 billion of revenue. Our plan is by 2020 that we’ll be a $3 billion company.

We’re going to get there through investment in becoming the market leader in digital corporate travel solutions through the various investments we’ve made in our facilities in Ireland and Australia.

We’ll also get there through continuing to be the market leader in commercial payments in the travel industry through eNett, which is growing fast.

Skift: Let’s say you were sitting on an airplane, and you struck up a conversation with an investment banker who was sitting next to you. As you chat, she is trying to get a sense of Travelport’s position. How would you explain the apparent disadvantage you have in size to your competitors? Travelport has a market capitalization equivalent to its revenue run rate or less of about $1.6 billion.

All of your travel commerce platform competitors have larger market caps. Travelsky is at $2 billion; Sabre is at $6 billion; Amadeus is at $20 billion. How are you able to manage maneuverability and be able to maintain your global average market share in the air GDS business when you have the smallest market cap of the bunch?

Wilson: First of all, never strike up conversations with merchant bankers on planes.

Skift: And she would have asked a more sophisticated question than that, in real life.

Wilson: Let me try and answer your question, which is a totally fair one.

First of all, market cap doesn’t govern your position to invest in your business. It is just a reflection on any given day of how Wall Street sees the value of your company, and of course, the market cap doesn’t talk to enterprise value because to get to enterprise value you have to ask how much debt that the company has as well, minus cash. We have an enterprise value as a company of more than $4 billion.

The most important point here is the ability to invest. It’s your results and the cash that you generate which enables you, the business, to invest or not to invest in your company.

Now, as a business, and given what we disclose publicly and also what our competitors disclose, I can tell you, for example, in 2016 alone, in distribution, which is the largest business we do, we invested about $170 million in 2016 in CapEx (capital expenditure) in our platform, whereas one of our leading competitors, one of the companies you’ve mentioned, that you list there, invested on a comparative basis about $98 million in their distribution platform.

So we’re investing near enough 2x more than our competitor is doing in distribution. And that has been the case, incidentally, since about 2012, when we first started issuing this kind of data.

That is not to say that the competitors you’ve mentioned don’t spend more overall capital dollars than we do because they all do. But those dollars mainly go into their airline IP solution businesses, i.e. the reservation systems. And those are very capital-intensive and indeed labor-intensive businesses.

But to be frank, except for what we do for Delta and Emirates, we don’t have a dog in that race. We’re not really an airline IT solutions provider in the sense of providing a multi-host airline hosting system.

There’s nothing wrong with those businesses, they’re fine businesses, but they’re very capital-intensive, much more so than distribution.

We focus on distribution. We’re investing considerably more, and have been, than the competitors. And that’s why if you look at why we’ve been successful in mobile, why we’ve been successful in payments, why we’ve been successful in merchandising. We’ve been out-investing those competitors in those areas for the last four or five years now.

Skift: You mentioned that distribution of air content via travel agencies is Travelport’s main revenue driver. In early April investment analysts at Credit Suisse released a 100-page analyst investment report on one of the other players I mentioned. It was talking about the larger strategic landscape, and it was very concerned about middlemen like your company being disintermediated by the airlines, who don’t like paying third-party distribution fees.

Now every year since you took this job as CEO and president, you’ve answered questions about the potential threat of disintermediation, and it’s always turned out to be overblown. Some analysts now feel that the threat may be different and more real today. Lufthansa, and then in March Ukrainian International, have added surcharges to bookings made in the GDS channel to try to encourage direct bookings.

If some major airline groups do shift share out of the GDS channel, the decline could happen faster than the four major players would be able to make the shift to their other new business units. Is there anything to this larger issue about full-content agreements possibly evolving, etc. that you can comment on?

Wilson: First of all, I don’t see a major shift away from the channel because the GDS channel, if you want to call it that, or the travel commerce platform channel.

Bookings made through travel agencies, TMCs and the like, are still by far and away, the highest value products that airlines sell. The average ticket value sold through the GDS channel, through the TMCs etc. is way higher than the average ticket value sold directly by airlines.

Of course, there’s a reason for that. That’s because the customers that are being serviced by TMCs or high-end leisure agencies, etc. are not buying the $90 back-end-of-the-bus tickets.

So I think if you look past the Lufthansa surcharge, it’s not causing a major shift out of the third-party channel at all. There’s maybe some marginal movements in Germany for marginal players, and I don’t see this as being a different set of circumstances this time around.

When you push back on most airlines, you talk about connecting with IATA’s New Distribution Capability, etc. and when you ask them some rather perfunctory questions about how you’re going to manage changes, how you’re going to manage schedule change, how you’re going to manage ticketing changes, etc. there is kind of a blank look on their faces, in terms of having definitive answers.

Now that said, we are still the only GDS now certified by IATA as an aggregator of content. So we embrace the ability if the airlines want to connect to us in different ways.

Again, to my earlier comments amount merchandising, that’s exactly what we did when we rewrote our platform some years ago now, which has given it its market leadership position.

Which plays into the second part of your question, which is full content. Full content as we knew it is already a thing of the past because full content used to be making sure that the GDS had the same fares and the same availability as the airline’s’ direct channel.

But now it’s not just a question of that. It’s a question of having all the same ancillary products for sale, having all the same fare families for sale and the way that those products are displayed and shown.

Again, in our particular case, as Travelport, we’re the market leadership position there, not just against our mainstream GDS, but against everybody else in the marketplace today.

Skift: You mention investment. How successful has Travelport’s investment been, given that the company is the smallest of the four?

Wilson: We are growing by leading in the speed and quality of our search and shopping product. We’ve got over 210 airlines implemented today in our system who have the full ability to show all of their merchandising content, all of their fare families, to agents. We include low-cost airlines like Ryanair and EasyJet, and major carriers like American and so on.

We believe that that is at least four times more than any other of the mainstream GDSs, whether that’s Amadeus, Sabre, or Travelsky. That’s 210 airlines that display their branded fares and ancillary content in a graphically rich, visual way to agents. Those 210 airlines cover over 60 percent of the volume we process as a booking system regarding airline content.

The reason that we are so far in advance, in all honesty, is because we saw how the market was changing earlier than the other guys did, and we invested in our platform to enable us to take the content in, first of all through APIs and other sources.

Secondly, we changed our point of sale capabilities to enable that content to be shown and displayed and consumed by the travel agency community. And the last way, which is in place now also, in real traction, is all of that content is available to the APIs (application programming interfaces) we provide to online travel agencies and corporate booking tools and the like. All that content can be made available through their applications, direct to the consumer.

Skift: Travelport has claimed a 48 percent attachment rate of non-hotel content to air products sold by agencies using its desktop reservation systems. Why is that significant in the broader competitive context?

Wilson: So the attachment rate speaks to our broader goal is diversification beyond air bookings. Our beyond-air business last year was $518 million in revenue. That was up 18 percent year over year, but it is up from about $218 million of revenue when I took over as CEO of this company in 2011.

We’re well on course for achieving $1 billion of beyond-air revenue by 2020, which will be a third of our $3 billion that we’ve set ourselves as a target.

The 48 percent non-hotel attachment rate to air bookings indicates two things.

First, we’ve got better and deeper content than our competitors. So we in Travelport have got not only chain hotels, with all of their corporate negotiated rates, but we’ve also got the ability to show and book the independent hotel sector, which characterizes the European and the Asian market base, with corporate negotiated rates.

And the second element is that we’ve been investing considerably in our point-of-sale capabilities, including the agent user experience, and our API to enable this hotel and car rental combo.

Skift: At a recent Travelport customer conference, executives said your company is the fourth-largest hotel distributor after Priceline Group, Expedia.com, and Ctrip. Really?

Wilson: Some of that content comes from those sector household name players. So, through our Rooms and More capability, we have content which is delivered to us from Booking.com, from Agoda, from Expedia, from about 25 other hotel aggregated and bedbanks. Alongside all the traditional chain hotel content that we’ve always had in our GDS from the Hiltons, InterContinentals of the world, etc.

Then alongside that is what we get through our Hotelzon capabilities, which is where we run our extranet out to hotels, particularly in Europe, inclusive of corporate negotiated rates with them. So you add all those elements together, and I think we’ve got unsurpassed hotel content.

Skift: An important growth area is your payments business, eNett. In February 2007, Travelport reported a 64 percent net revenue increase to $150 million for the eNett business. What’s driving the growth there?

Wilson: The eNett acquisition has been a super success story for us. Just so you know, eNett has been EBITDA cash flow positive, has contributed to Travelport, since 2013. So the fact that it made $150 million of revenue last year, a 64 percent increase as you mentioned, is great.

It’s just down to eNett gaining more customers. We’ve integrated its solutions into Travelport’s point of sale, for our travel agency customers.

We have a lot of eNett customers who specialize in hotel bookings, and they’re using eNett on the merchant-model basis, which is where the consumer pays $100, and the agency is remitting $80 to the hotel, and eNett has been used for that $80 remittance. The merchant model, which as you know, is growing like a week, particularly in EMEA and Asia/Pacific, and eNett’s main markets are indeed EMEA and APAC, so we’re in the right place at the right time as payments in travel become digitalized, if that’s a word. And we are, we believe, the market leader in this space.

Skift: Is there sort of a defensive moat around the eNett business, because I’ve talked with WEX, which has a travel practice Worldpay. Citcon. Conferma sort of. How defensible is eNett’s position?

Wilson: If eNett ever stands still and stops innovating, stops adding capability, stops adding product, stops adding currencies, then, of course, that would be a bad. But that’s not going to happen. We’re investing and plan to expand the product range that eNett offers.

As you said yourself, some of the companies you mentioned are alive in the B2C space, and the B2C space is super competitive to new entrants. Apple Pay, Google Wallet, to add to the list you’ve already mentioned.

And we’re not in that space. We’re firmly in the B2B space, which is ripe for change. It’s a massive market. We calculate that the total addressable market in B2B payments in travel as being about $800 billion.

So the fact that there are a couple of other players here in this space, you mention WEX is one of them, there’s a big enough market to go around.

We are greatly aware of the fact that we’re barely scratching the surface of the market opportunity that’s there.

We think that our product set, the integration of the products into the Travelport platform, the level of currencies that we do, the quality of our customer service, the quality of the data reporting, and other things that we do will enable us to continue the momentum that we’ve seen in this business for the foreseeable future.

But we’re not going to stand still.

Skift: Corporate venture capital and incubator accelerator programs have gotten very “buzzy” in travel now with several different companies experimenting with them. The Denver-based Travelport Labs accelerator graduated its first class of travel startups in spring 2016. How does it fit in the context of the larger company?

Wilson: We develop a lot of innovative things in Travelport, but we’re also not stupid enough or arrogant enough to think that we come up with all the good ideas.

Running a Lab program whereby we look at some startups, we put them through a program and give some investment dollars for their business, has proven so far to be successful.

About 80 percent of the ten who have graduated the program are still in business. Two of the startups have completed a funding round. And four are actively raising money as we speak. One has already gone profitable, and a couple of the other things the Labs have cooked up have driven products which Travelport has since incorporated.

One of the most interesting to me is a product that enables booking and reservation of chauffeur drive services. Analogous to what we do in car rentals. And that product is now out and live in South Africa, where there’s a big market for this kind of thing because people don’t take taxis in South Africa. And that came out of the Labs, and it’s going extremely well.

And a second one out of our Labs program, we are testing an integration of one of the startups’ services, a mobile app to enable airlines to deal with disrupted passengers. I’ve got United Airlines on the brain, I think.

Whereby, occasionally the airlines got a problem with weather, storm or whatever coming so they have to hotel program people. The new service enables travelers to book themselves into a hotel electronically without having to deal with the trouble. Don’t have to stand in line or wait for a voucher or whatever else goes on.

Of course, it can offer different passes hotels to different classes categories of their customers, the best hotels to the more frequent flyer, valuable customer, and so on. That’s now in test.

Skift: We don’t want to get bogged down in the financials, but the one question that did catch our eye was at the IPO in September 2014, you told reporters that you had to plan for paying down debt at Travelport. How is that on track?

Wilson: We’ve been absolutely on course, in line with everything we told investors since we IPO’ed.

To give you an idea, before our IPO, we were 6.5 times levered in 2013.

Post-IPO — and all the proceeds of our IPO were used to pay down debt in the company we reduced that 6.5 times leveraged to 4.2 times. And then by the end of last year, we were 3.8 times leveraged.

And we paid down about $74 million of our term loan debt in 2016. We’ve also repriced our debt twice, which means we pay less interest, and we’ve been able to get a lower interest rate because of our performance as well as market conditions, to be fair. Because we’ve got better ratings from S&P and Moody’s.

And what we’ve told the investors is that our goal is to get ourselves down to around about three times levered in the next couple of years.

And then after that, take a pause as to whether we do other things with our cash. Search out increasing our dividend or doing stock repurchases, or whatever.

What I’d also tell you is that, debt aside, the overwhelming priority for this business continues to be using our capital to invest in our products and our capabilities, some of which we’ve talked about already: airline merchandising, hotel and car content, our payments business, and then the digital stuff we’re doing around mobile and corporate travel as well as search and shopping and API.

Skift: Back to the airline distribution business, which is still the core. There are several airlines in the next few years that will have their contracts coming up for renewal or that are not currently associated with GDSs, and that might be able to come on board, like low-cost carriers. In light of the lost lawsuit by one of your competitors, Sabre, versus American Airlines’ owned US Airways, this past winter, there is speculation about contracts. There’s talk in the industry that “full content” distribution agreements between airlines and GDSs like Sabre may be replaced with different agreements. If so-called “full-content” distribution agreements with airlines evolve into something less than “full content,” logic dictates that Travelport and its peers would have to give up significant pricing to keep all of the content — or else not have received as much content, which would make it less attractive to travel agencies.

Wilson: Apart from what I said about full content, I think that full content is almost now, as it used to be defined, is becoming an out-of-date concept, in all honesty. Because full content, in my mind, now has to include merchandising, ancillaries, all the fare families, and so on, not just the rudimentary fares and availability.

So we, like every company in our space, we have some long-term airline agreements that come up. I’m not sure that all get renewed in exactly the same way that history has dictated. But I’m very confident that we will continue to be a major source of high-value transactions and air fares for the airlines, and that we can clearly demonstrate the value that we bring.

Skift: It seems like Travelport is particularly well positioned in the African market, and perhaps number one among its peers regarding share. Is that a strategic move?

Wilson: It’s strategic because you see huge new traffic flows, particularly from Africa to Asia. There’s a lot of inward investment into Africa from Asia, and from China in particular. Therefore a lot of traffic is being generated.

We’re all waiting for the African Century to come about, as Africa grows. It’s a huge area of resources. There’s obviously some issues around how some of the countries in Africa are governed. Some of the bigger economies there have got massive potential. And so we continue to be a big player and to grow there in Africa.

That said, Africa is not growing for us as fast as Asia, where we’re gaining more share and traction. To give you an idea, in Asia/Pacific we’ve grown in 2014 by 8 percent, in 2015 by 15 percent, in 2016 by 12 percent.

We are also rapidly growing in key markets like India, which this year will be the second biggest GDS market for air bookings in the world, after the United States.

So India is now bigger than Germany and so Asia/Pacific is a massive strategic and high-growth market.

Africa is also strategic. It’s not as big a market as Asia, but it’s clearly linked into the ecosystem, in particular, because of the investment flows from Asia into Africa.

Skift: Which CEO in the world has inspired you and what is something you learned from their example that informs how you do your job?

Wilson: Frankly I admire most CEOs since this is not an easy job! I have been the fully fledged CEO of Travelport now for five years, and I observe and learn from a whole variety of other leaders.

In the travel space, I am a big fan of Carolyn McCall at easyJet, Michael O’Leary of Ryanair, Tim Clarke at Emirates, Richard Anderson and now Ed Bastion at Delta — in addition to Chris Nassetta at Hilton and Richard Solomons at InterContinental Hotels.

All have transformed and continue to transform their businesses whilst having the longevity to see the results of their decisions come through and to be accountable for them – and their batting average is pretty good!

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easyweight101 · 7 years

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Vskin Active – Snake Venom Peptide Cream Review: Don’t Buy Before You Read This!

What is it?

Vskin Active – Snake Venom Peptide Cream is a topical skin care product that is designed to smooth the skin and reduce the appearance of wrinkles. Their advertising compares Vskin Active – Snake Venom Peptide Cream to Botox in its muscle-relaxing effects, but without the damaging impact of multiple facial injections. They also claim that it is high in antioxidants and is effective for raising collagen and elastin levels in the skin.

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Vskin Active – Snake Venom Peptide Cream Ingredients and Side Effects

Vskin Active – Snake Venom Peptide Cream lists some ingredients very generally or by their effects alone, such as “vitamins,” “antioxidants,” and “immune boosters.” There is no indication what sources these are derived from, whether they are natural or synthetic, or even if they are safe or unsafe.

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Syn-Ake

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This chemical is a paralytic agent that the snakes use to incapacitate their prey before they ingest it. When applied to human muscle tissue it is said to have a deadening effect on the muscles, making them go totally slack. This effect is thought to reduce the appearance of wrinkles and lines in the skin, similar to the way Botox works.

Much of the advertising for Vskin Active – Snake Venom Peptide Cream and other Syn-Ake based products make the comparison to the popular skin treatment and refer to it as an “injectionless Botox.” Botox needs to be applied sub-dermally with a needle, however Syn-Ake advocates claim that it is just as effective if rubbed on topically.

Some scientists question how effective Syn-Ake actually is at accomplishing these goals for several reasons. First, Syn-Ake is a larger molecule than the type that is easily able to penetrate the tough, absorbent dermal layer.

It is debatable how much Syn-Ake is ever actually absorbed by the muscle groups that are being targeted. Instead, the paralyzing agent remains in the skin where it can have detrimental effects on cell membranes and organization. It can cause the compact cells that are arranged a in tight, organized way to expand and become irregular, which leads to sagging skin that loses color and is less reflective of harmful UV rays.

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Vskin Active – Snake Venom Peptide Cream Quality of Ingredients

Our panel of skin care experts have a policy that they never recommend a product that will not publish their complete ingredients list, including both active and inactive ingredients. There are too many filler ingredient look good, smell good, and feel good going on that don’t actually do anything – or worse, that actually have detrimental effects on the body.

Simple alcohols help with the absorption of chemicals with larger molecules, however they also dry and damage the skin in the long run, isoparaffins and mineral oils can be contaminated with environmental toxins, ad the caustic solvent lye is even found in some brands. It is impossible to know if any of these ingredients specifically is in Vskin Active – Snake Venom Peptide Cream, however if they do not publish their ingredients it is impossible to know that they are not.

Beyond their lack of transparency, however, is the fact that Syn-Ake is not one of the ingredients that our team recommends. Even if it is effective, those effects are temporary and purely cosmetic. Paralyzing the muscles of the face does nothing to make the skin healthier or function better, it just lessens the appearance of the still-existent wrinkles for a period of time.

Our team takes an inside-out approach to beauty and skin care; quality products should improve the core health of the skin, which in turn will make it appear more beautiful. Chemicals like Syn-Ake cannot help the body in any therapeutic way, however they can have the opposite effect on the skin that they are being used for.

People use Syn-Ake products because it has a temporary firming, wrinkle-reducing effect, when over time it makes the skin looser and more prone to damage. The combination of a chemical that can have long-term detrimental effects on the skin and a total lack of information about any other ingredient is not something that our panel likes to see in a skin care product.

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The Price and Quality of Vskin Active – Snake Venom Peptide Cream

There is no way to purchase Vskin Active – Snake Venom Peptide Cream directly. It is not sold on a per unit basis either through their own website or through any independent retailers. Instead, the only option that is available to prospective users is to sign up for their free trial offer.

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Business of Vskin Active – Snake Venom Peptide Cream

Vskin Active – Snake Venom Peptide Cream is only one of many brands that uses this method of customer entrapment. Companies like LuxDerma, Satin Youth and Hydrolux are all linked with Vskin Active – Snake Venom Peptide Cream under a network of umbrella companies that use names like Skin Technologies, Dos Hermanos, and Kiara Skin. Vskin Active – Snake Venom Peptide Cream lists their parent company as Coal Cosmetics, and their contact information as:

Phone Number: (800) 958-5410

Address: 5404 Whitsett Ave #128

Valley Village, California, 91607

Email: [email protected]

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Customer Opinions of Vskin Active – Snake Venom Peptide Cream

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Conclusion – Does Vskin Active – Snake Venom Peptide Cream Work?

Our review team believes that an ideal skin care product is honest with its clients about what its ingredients are, what its effects will be, and how much it costs. These would seem like simple or obvious requests of a company, however Vskin Active – Snake Venom Peptide Cream fails on all three accounts.

Vskin Active – Snake Venom Peptide Cream does not disclose any information about their product other than it contains an ingredient that our team does not recommend due to serious health and effectiveness concerns. Their business model is manipulative, and there is no indication that it could be effective at meeting even basic skin care needs.

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