If anything is certain about Americans, it's that we love convenience.
These days, it seems like everything, from underwear to produce, comes in a subscription service. As long as you have a credit card and are willing to pay a little bit more, you can have anything you could ever want brought to your house on a monthly basis. But with all the options for subscription services out there, it can be hard to tell which are actually worth the up-charge. As a rule, subscription services should either save you money or provide a service that's worth the cost. Luckily, we've made it easy for you never to have to leave your couch again by compiling a list of the best and worst subscription services.
Best Subscription Services
Cost: $9.99/month, $5 if you're a student.
What you get: Access to just about any song you can imagine, the ability to make your own playlists, see what your friends are listening to, and discover new artists and songs via custom recommendations. Also, with Spotify Premium, you don't have to worry about annoying ads interrupting your listening experience. Plus, by paying a small monthly fee, your days of battling viruses from illegally downloaded music are behind you!
Cost: Anywhere from $11 to around $50 per order, depending on which package you choose.
What you get: You're not perfect, so why does your produce have to be? Approximately 20% of fruits and vegetables in the US never leave the farm just because they look a little different. Imperfect Produce buys that food and delivers it to your door for cheaper-than-grocery-store prices. You get to customize each box you receive so you never get anything you don't want, or pay for produce that will go bad before you have a chance to eat it. This subscription box is not only convenient and fiscally savvy, it also helps out farmers and limits wasted food!
Cost: $8-$15/month, depending on the number of screens.
What you get: Unlimited streaming of tons of movies and TV shows. Measured against other streaming services, we think Netflix has the most bang for your buck. With seemingly endless options, fast streaming speeds, and no pesky commercials; Netflix is a great deal.
What you get: If you're a frequent online shopper, you know how annoying delivery fees can be. With Amazon prime, you can get thousands of items shipped to your house with no extra shipping cost. There are also tons of great deals on Amazon that you can take advantage of without leaving the couch! Plus, your subscription comes with lots of great content available to stream at no extra cost.
What you get: If you love trying new beauty products but don't want to risk investing in a full size bottle of that expensive moisturizer, then birchbox could be your dream come true. With Birchbox, you get a variety of sample size beauty products delivered each month so you can decide which products you like without the monetary risk.
Worst Subscription Services
Cost: Usually around $15 a month, but depends on your cable package.
Why Its Not Worth it: If you already have Amazon Prime, and don't need to keep up to date with all of HBO's new releases, there's no need to buy into this pricey subscription. Amazon has a deal with HBO that allows Amazon Prime members to watch HBO shows that are no longer on the air. So if you're mostly interested in watching shows like The Sopranos or The Wire, you can do so in your Amazon Video app without shelling out an extra $15 a month for a service that has way less variety and much slower streaming than Netflix.
Cost: $9.99 a meal
Why It's Not Worth It: As far as meal kit delivery subscriptions go, this one is confusing, way pricier than grocery shopping, and actually pretty labor intensive. The absence of individual packaging or labeling for multiple recipes makes it difficult, especially when there are sometimes missing and duplicate ingredients.
Cost: $30+ a month
Why It's Not Worth It: This box sends you a monthly haul of useless items, like light up balls, bedazzled wine glasses, and skull shaped planters. While getting a surprise in the mail is fun, save your money for a subscription service that sends things you'll actually like.
Cost: $34.99+ a month
Why It's Not Worth It: This subscription box sends you things like pencil cases, dinosaur socks, and rainbow sticky notes. We're all for embracing your quirky side, but how many sparkly unicorn pins does a person really need? Skip the steep monthly price tag and head to your local Paper Source for all the cute little trinkets your heart desires.
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Airbnb offers an affordable option for people looking to be more comfortable as they travel.
However, there are downsides to staying in a host's home rather than a hotel. Whereas hotels are designed for constant streams of visitors and often have furniture built to last, at an Airbnb, you may be staying on old or cheap furniture that a host is using in order to maximize their profits.
And while most reputable hotels will have regular room inspections from staff to check for any wear and tear, Airbnb damage disputes are oftentimes he said, she said situations. If you are in an Airbnb and something breaks, there are a few steps you should take in order to ensure that you are not on the hook for damages out of your control.
If you're keeping tabs on the art and tech worlds, you've probably been hearing whispers about "NFTs" for the past month. Just over the past week they've entered the mainstream lexicon.
Twitter founder Jack Dorsey made the news for selling his first ever tweet. The app has been teasing paid subscription models and newsletter-like features, but tweets for sale is "the next frontier."
just setting up my twttr— jack (@jack)1142974214.0
The 2006 tweet went up for auction as an NFT, and the current bid is $2.5 Million. But what does it mean to own that? Why would anyone want to? And what even is an NFT?
Long gone are the days when the majority of Americans dreamed about owning a home with a white picket fence.
The traditional American Dream may be on its deathbed, but that doesn't mean a core component of the vision can't survive. It simply takes a diverse perspective. People can still believe they can attain their own vision of success in society with hard work, knowledge, and risk-taking. Investing in today's American Dream may literally mean investing money in our modern economy, starting with our infrastructure.
Real estate investing in particular is a lucrative method that can boost income and secure a better financial future for many. There's always risk involved, but the payoffs can far outweigh the uncertainty. Selecting solid financial investments is about confidence and competence. If you're looking for some advice on this kind of investment, here are a few savvy tips for new real estate investors.
Stick To a Specific Strategy or Niche
Real estate is a challenging sphere of the business world, one that requires several key skills: groundwork knowledge, networking, perseverance, and organization. True knowledge of the real estate market will come with time and experience, but it's a smart idea to select one area of the market and stick to it. This is the best way to attain in-depth familiarity with your specific niche.
First, choose a geographical area close by and then a niche strategy within it, such as house flips, rental rehabs, or residential or commercial properties. By doing so, you can become aware of current inner working conditions in the market and you'll have a better idea of how these trends may change in the future.
Be Vigilant About Viable Financing Options
While it takes money to make money, you don't have to use all your own money. A common misconception about real estate investing is that you must be wealthy to start off. This isn't straight fact, however. A majority of people can test the waters of real estate investing without a lot of initial cash in their pocket.
Aside from traditional financing options from banks and institutions, private lending options can be worthy solutions. Hard money lenders are popular, reasonable choices, and they tend to have fewer qualification requirements upfront. However, be sure to strategically choose a hard money lender to find the best possible fit.
Master the Art of Finding Good Deals
There may be hundreds of thousands of available properties for sale on the current market, but the bulk of them will never amount to the final money-making result you desire. Another great tip for new real estate investors is to use good math to estimate profit. Taking risks is part of the process, but you have the ability to analyze properties and use networking sources to find the greatest deal. You can't win every deal, but you can steadily work towards a thriving financial future.