Have you ever heard a song that, no matter how many times you listen to it, always takes you back to the same emotion? It’s like music is some kind of magical time machine; from the very first note, it melts all your worries away and transports you right into the depths of whatever feeling it stirs up in your heart. Whether it be sadness or joy, nostalgia or anticipation, we’ve all experienced times when certain songs can bring us right back to a powerful emotional moment with just a few chords. Below are the top 18 songs that never fail to make our hearts ache with sweet sorrow each and every time they play.
1. Songs by John Denver
One Redditor posted, “A lot of John Denver songs. They take me back to the days when I had a cassette deck in my car, driving through mountains with my mountain girl. Feels like a long time ago, a lot of amazing memories.”
2. “You’re Gonna Go Far” Noah Kahan
“‘You’re Gonna Go Far’—Noah Kahan,” one user posted.
3. Songs by Coldplay
One Redditor shared, “Any Coldplay as it was the last music my husband and I listened to right before he suddenly passed away.”
4. “Silent All These Years” Tori Amos
One online user shared, “‘Silent All These Years’, Tori Amos.”
Another user confirmed, “Yes! Always fierce, and always goosebumps, with that minor key thrown in! I hear my voice … and it’s been …”
5. “In the Aeroplane Over the Sea” by Neutral Milk Hotel
One Redditor shared, “The song “In the Aeroplane Over the Sea” by Neutral Milk Hotel makes me cry by the time it gets to the last verse.
“It’s corny to like that album by this point because it’s been so overplayed, but that song just sounds like the realization that you’re happy and that you made it. It sounds like the feeling of watching fireworks with the love of your life on a warm night, surrounded by happy people and children playing, feeling like if it all ended here, you’d be good with that. Such a nice timeless song.”
6. “Broadripple Is Burning” by Margot and the Nuclear So and So’s
An online Redditor shared, “‘Broadripple is Burning’ by Margot and the Nuclear so and so’s.”
7. “18 and Life” by Skid Row
One user posted, “Skid Row’s ’18 And Life’. It was my sister’s favorite song. She passed away in 2010.”
8. “Only Time” by Enyas
One user shared his story, “Since my son-in-law’s 2005 suicide, Enya’s ‘Only Time,’ but it actually works for all sudden deaths.”
9. “Smother” by Daughter
“‘Smother’ by Daughter.
“When I first listened to this track and, subsequently, the album, I was in a very dark place. Listening to it now just brings everything back with crystal clarity. Sometimes they are happy tears of being proud of where I am now, but more often than not, they are sad tears,” one user shared.
10. “Remember to Forget Me” by Blink-182
One user shared, “Remember to forget me by Blink-182. Hits hard.”
11. “The A Team”
One user posted, “Ed Sheeran. ‘The A Team’. My daughter died of a drug overdose.”
Another user replied, “I’m so sorry. ❤️🩹”
12. “Break You Open”, Airplay Version
“Break You Open (Airplay version). Who knows, knows,” another user posted.
13. “Long Long Time” by Linda Ronstadt
One user added, “Linda Ronstadt ‘Long Long Time’.”
Another user responded, “I had to add this one to my list after watching Nick Offerman sing it to his partner on The Last of Us! … “
14. “I Believe In You” by Amanda Marshall
One Redditor shared, “When I see the music video for ‘I Believe in You’ by Amanda Marshall. It’s so bittersweet and encouraging. I have to stop thinking of it now, or I’ll end up in the middle of Reddit.”
15. “Dance With My Father” by Luther Vandross
Another Redditor commented, “‘Dance With My Father’—Luther Vandross.”
16. “Mama’s Arms” by Joshua Kadison
“‘Mama’s Arms’ by Joshua Kadison. I was a little bit older than the boy in the song (19, to be exact), but the feeling was 100% the same. Starting to cry just typing that, and it happened 20 years ago.
“‘Going back to a tender age So full of confusion and rage Daddy says ‘Boys, your mama’s gone’…” one user quoted.
17. “End of a Day” by Jonghyun
One user shared, “‘End of a Day’—Jonghyun.
“This artist took his life in 2017, and the lyrics have some similarities to the note he left. Parts where he wanted to be told he did good and tried his best. The song absolutely breaks my heart every time it comes on.”
18. “Toire No Kamisama” by Kana Uemura
“Toire no Kamisama by Kana Uemura. The title (The god in the Toilet) sounds funny/strange when you first hear it, but it’s a really sweet and heartbreaking story of a girl and her grandmother. AFAIK, it’s based on the singer’s real experience,” posted one user.
Have you heard some of the songs listed above? Share your thoughts in the comments!
Source: Reddit.
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A 401(k) is an employer-sponsored retirement plan that allows employees to contribute a portion of each paycheck. Many employers also match a certain amount of employee contributions. Typically, 401(k) plans are tax-deferred, meaning the money you contribute isn’t taxed until you withdraw from your account.
Our 401(k) calculator below can help you determine what your 401(k) balance will be when you retire.
Estimated 401(k) Balance at Retirement
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How to Use the 401(k) Retirement Calculator
The 401(k) calculator estimates how much money you will have in your 401(k) by retirement based on your age, current balance, amount you contribute, and employer match. It can help you determine when you will be financially ready for retirement.
In the fields above, use the toggle to adjust the numbers based on your personal information and 401(k) account. Click “Calculate” to see your future balance. You will also be able to see your total contributions and total employer match contributions.
Remember that taxes don’t get factored into this 401(k) calculator. The taxes you’ll pay on your 401(k) depend on the tax bracket you’re in when you withdraw from your account. Additionally, check that you aren’t contributing more than the current IRS contribution limits. For 2023, the contribution limits are $22,500 or $30,000 if you’re above age 50.
Basic Investing Terms to Know
Below are the definitions of the investing terms referenced in the 401(k) calculator:
Current age: Your age as of today.
Retirement age: The age you plan to retire. Currently, Social Security benefits are available at age 66 but rise to age 67 if you were born in 1960 or later.
Current 401(k) balance: The amount of money saved in your 401(k) as of today.
Annual salary: The amount of income you earn from an employer over one calendar year before deductions and taxes. Do not include other streams of income.
Annual salary increase: The percentage you expect your annual salary to increase yearly. On average, employees receive a 4.6% pay increase each year.
Percent to contribute: The percentage of your annual salary you contribute to your 401(k).
Employer match: The percentage of your annual contributions that your employer matches. For example, your employer might match 50% of your yearly contributions.
Employer maximum: The maximum salary percentage your employer will match. For example, your employer might only match up to 6% of your salary, regardless of how much you contribute.
Annual rate of return: The percentage an investment gains or loses. This number will depend on the investments you choose. On average, the S&P 500® has gained 10.7% annually since its conception in 1957. It’s important to note that these rates vary over time and can only be used as an estimate.
Payments per year: The number of pay periods annually.
How a 401(K) Works
A 401(k) is a retirement savings account employers specifically offer as part of a company’s benefits plan. Employees contribute a portion of each paycheck to their 401(k) account, and often, employers match a portion of employee contributions.
You don’t pay taxes on the money that you initially contribute. Once you turn 59 ½, your withdrawals will get taxed as ordinary income. You will incur a 10% tax penalty if you withdraw money from your 401(k) before you reach age 59 ½. To avoid this, make sure you have an emergency fund for shorter-term expenses.
401(k) plans allow you to invest in exchange-traded funds (ETFs), mutual funds, and target-date funds. When maximizing your 401(k), it’s important to have an investment strategy. You can work with a retirement adviser to help create a strategy that works for you.
What Are the Benefits of a 401(k)?
There are two main benefits of investing in a 401(k).The first advantage is that 401(k) plans are tax-deferred, meaning you don’t pay taxes until you withdraw your savings. This lowers your current taxable income. For example, if you currently make $60,000 and contribute 10% of your salary to a 401(k), you are reducing your taxable income by $6,200. As a result, you’ll only get taxed on $54,000 instead of your full salary. This is beneficial because you will likely be in a lower tax bracket after you retire.
The second main benefit of contributing to a 401(k) is the employer matching contribution, meaning that your company contributes a certain amount of money to your 401(k) based on the amount you contribute. The percentage that your company matches, if at all, depends on your specific employer. The most common 401(k) matching formula is 50 cents on the dollar, up to 6% of an employee’s salary.
401(k) FAQs
Below, we’ve answered some common questions regarding 401(k) retirement plans.
How Much Should I Have in My 401(k)?
The amount of money you should have saved in your 401(k) depends on your age. For example, by age 30, you should have the equivalent of your annual salary in your 401(k). Some experts recommend you have 10 times your annual salary by age 67.
What Percentage of My Salary Should Go to My 401(k)?
Most financial experts recommend contributing 10–15% of your income to a retirement plan. In the U.S., individuals contribute a median of 12% of their salary.
How Much Will My 401(k) Be Worth in 10 Years?
To find out how much your 401(k) will be worth in 10 years, plug your specific information into the above 401(k) calculator and set your retirement age as your age 10 years from today.
As you can see, contributing to a 401(k) can allow you to invest your money easily. It’s important to note that while a 401(k) has many benefits, it’s not the only way to save for retirement. Other ways to prepare for retirement include paying off debt, following a budget, and improving your credit score.
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Have you ever rented a movie on a whim, expecting it to be just okay—only to find yourself surprisingly transfixed? We’ve all experienced this kind of pleasant surprise at least once or twice, but why is it that the most unsuspected films can sometimes leave us completely entranced? Below are some unearthing 20 movies you don’t expect to love—but absolutely should.
1. My Cousin Vinny
“When My Cousin Vinny came out, I thought this was going to be stupid. I laughed and laughed,” one user shared.
Another user agreed and commented, “One of the all-time greats! The whole ‘imagine yo’ a deer’ speech makes my day. Every single time! Marisa Tomei is the best part of that whole movie, hands down.”
2. Star Wars
One user shared, “(I’m old) In 1977, my friends and I were supposed to go see Rocky or something, but it was sold out. Instead, we went to a movie I had never heard of called Star Wars. Wow!”
Another user shared her story and stated, “My mom told me about my dad taking my brother to see Star Wars in theatres when it first came out. There was no pomp and circumstance. No long lines of people waiting to see it. There wasn’t today’s hype like it was just another movie release.
“It was hard to imagine.”
3. The Lego Movie
One Redditor commented, “Lego Movie!!! What I thought would be a complete cash grab with no substance (looking at you, Emoji Movie), I left feeling like I got a big hug with the writing, the plot and the talent!!”
One replied, “Absolutely. For being basically a 2-hour long corporate ad, it was very funny, touching, and provocative. Lego Movie is awesome! ‘Hi, you don’t know me, but I’m on TV so that you can trust me!’”
4. The Mummy (1999)
One Redditor shared, “Brendan Fraser’s Mummy movie.”
Another user replied, “Yes! This was the first movie I’d ever seen in a real theatre. We had no idea what the movie was about, but my God, that was an epic film for little kids to see!”
5. October Sky
“October Sky with Jake Gyllenhaal and Chris Carter. Great story about a 1950s coal mining town and a teenager wanting to get out and go to college to be a NASA engineer,” one Redditor shared.
Another user replied, “It’s based on a true story. So good.”
6. Edge of Tomorrow
One Redditor posted, “Edge of Tomorrow. Didn’t know much about it outside. It wasn’t doing great in the box office, and no one knew what it was about.”
Another confirmed and posted, “Yesh, this one was better than I expected. It’s one of the few movies I enjoy re-watching.”
7. Up
Another user commented, “Up (the Pixar movie). It was so beautiful and emotional. I’ve seen it many times since. Wonderful movie!”
One user replied, “I was not expecting nor was I prepared for that absolute gut punch in the beginning.”
8. Puss in Boots: The Last Wish
“Puss in Boots: The Last Wish! It was so cute and funny but, at the same time, kind of had a deeper theme than I’d expect from a kid’s movie (Puss the Cat has now died eight times and is down to his last life and is realizing that he is going to die one day),” one user posted.
Another user replied, “This movie was much better than it had any right to be. Dreamworks’ top 3 for me.”
9. Clue
One user shared, “Clue. Not what I expected. Amazing movie.”
Another user jokingly added, “I guess you can say you had no Clue what you expected … I’ll see myself out.”
10. Little Miss Sunshine
One Redditor posted, “Little Miss Sunshine. I can’t remember what I expected going into the theatre, but it certainly wasn’t what it turned out to be. I absolutely loved the movie.”
One user also replied, “The gag of Steve Carrell’s character losing both his boyfriend and his title as the foremost Proust scholar to the same dude is f- hilarious. Kind of thing that makes you go, “‘Who the f- wrote this?’”
11. Stardust
Another online user posted, “Stardust. And I know I’m going to get s- for this, but to me, it’s on a level with the princess bride. It’s intelligent, funny, … all while staying family friendly with a great story and a great lesson.”
One agreed and exclaimed, “WHAT a good movie! It’s one of the rare movies that is (IMHO) better than the book.”
12. Cabin in the Woods
“Cabin in the Woods. I thought it was going to be a s- horror cliche movie; it ended up being one of my favourite movies!” posted one user.
Another Redditor commented, “I watched it because I’m trying to watch all ‘1001 movies you must see before you die’ and thought it was strange a seemingly basic horror movie cut. It was super fun to be surprised by how entertaining and clever that movie turned out to be; I really really enjoyed it and didn’t think I would.”
13. Kingsman: The Secret Service
One Redditor shared, “Kingsman: The Secret Service. It came out with no real advertising, the trailer looked average, and when I saw its opening day, the theatre was almost empty.
“Holy crap, though, the movie blew me away. I compare it to John Wick, where there was no hype or expectation, then it blew people’s socks clean off.”
One user replied, “I enjoyed the Kingsman films.”
14. Spiderman: Into the Spiderverse
“Spiderman: Into the Spiderverse … I watched it on a date, expecting not even to want to pay attention. Now it’s my favorite superhero movie,” shared one user.
15. Terminator 2
One user posted, “Terminator 2. I was dragged into seeing it. I’m not a fan of sci-fi/fantasy, but that is one fun movie.”
Another user replied, “All-time favorite film. I’m a huge Arnold fan, tho.”
16. District 9
One user shared, “District 9.”
Another user replied, “Amen. I walked into the theatre wholly blind and barely heard about it. Me and some friends just walked past a poster and agreed it looked interesting. One of my best cinema experiences.”
17. Lord of the Rings
“My mum took me to see Lord of the Rings when it first showed. I had no idea what it was. She told me it was adapted from books she’d thought I’d like. Hands down my favourite movies of all time, and great memories :),” one Redditor shared.
18. Dredd
One online user added to the thread, “Dredd. Absolutely loved the dark turn the new movie had.”
Another person then asked and commented, “‘Are you ready?’ The second time is really a great callback.”
One user also responded, “Thanks. I have it on one of my queues ‘just because.’ I had no real intention of watching it, but now I will.”
19. Eurotrip
“Eurotrip. My brother and I went in expecting it to be funny. We’ve been quoting it ever since.”, one Redditor posted.
One user also replied, “‘Oh, mi scuzi!’ Same dude, same.”
20. Galaxy Quest
One user shared, “Galaxy Quest. I thought it would be a bad comedy, but I really enjoyed it.”
Another Redditor quoted, “‘Never give up, never surrender!’”
What do you think of the movies listed above?
Share your thoughts down in the comments!
Source: Reddit.
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One of the best ways to grow your wealth is to take advantage of a high-yield savings account and make money from the interest. Depending on your age, the average savings in America can vary, but those who start younger can build more wealth because they have more time.
Use our free simple savings account calculator to see how your money can make money over time from interest payments.
Simple Savings Calculator
Total Savings
$
Breakdown of Savings
Starting Deposit
Total Contributions
Earned Interest
Simple Savings Account Calculator Help
The simple savings account calculator helps you easily calculate the annual percentage yield (APY) and accurately show how your investment can grow. Below, we go over each aspect of the calculator and how it works.
Starting deposit: When you open a savings account, this is your initial deposit. This first deposit plays a big role in how much your wealth will grow over time.
Monthly contribution amount: It’s beneficial to continue depositing into your savings account monthly. Adjust this amount in the savings account calculator to see how much your money can grow and benefit from compound interest.
Number of years: Giving your money time to grow is the ideal strategy due to compound interest.
Annual interest rate: Interest rates can vary depending on the bank and type of account. You can use certificates of deposit (CDs), a high-yield savings account, or money market accounts. Be sure to shop around to find the best interest rates before you decide.
How Much Should You Save Each Month?
How much you save each month is unique to your financial situation. However much you choose to deposit into your savings account, the important thing is to be consistent. One way to do this is by setting up automatic transfers from your checking to your savings each month after a payday.
You’ll also want to ensure you’re budgeting properly so you don’t fall behind on other expenses like bills or debt payments. A monthly budget template can help you create a strategy and see what amount works for you.
How Do You Calculate APY?
To calculate the simple interest amount in a savings account, multiply the account balance by the annual percentage rate. For example, if you save $10,000 in a year and have a high-yield savings account with a 4% interest rate, the calculation is:
$10,000 x 0.04 = $400
How Savings Can Improve Your Financial Well-Being
Having a savings account is not only helpful for building your wealth, but it also provides you with some security in an emergency. By finding a savings account with a high interest rate, you will make money by simply storing your savings in the account.
Improving your credit score can also help your financial well-being. A good credit score lets you benefit from lower interest fees and access to additional loans and lines of credit. If you want to know where you stand with your credit, sign up for your free credit report card. You can also utilize Credit.com’s ExtraCredit® service to get credit monitoring alerts, additional credit reporting, and more.
Helpful Links to Start Saving
Check out some of our other articles for more tips and strategies for saving and growing your wealth.
Cult films are the gems of movie culture; they evoke a sense of nostalgia, timelessness and individuality that regular blockbusters and top-grossing movies can’t replicate. Have you ever watched a cult classic and felt connected to its peculiar humor, cryptic storyline or unconventional characters? Movies like these aren’t often part of the mainstream, but they tell their own unique stories. We’ve compiled 20 captivating cult classics everyone should watch!
1. Rocky Horror Picture Show
One user posted, “Rocky Horror Picture Show.”
Another user replied, “Nothing quite like a sweet transvestite from trans-xual Transylvania!”
One commenter added, “Sorry, the script called for killing Meatloaf…”
Another Redditor exclaimed, “The OG cult classic.”
2. Evil Dead
One Redditor shared, “Evil Dead.”
Another user replied, “YES!!! I absolutely love the third one. ‘The only things you’re in charge of are Jack and s-, and Jack left town.’”
One commenter added, “Listen up, you primitive screw heads!”
Another shared, “You wouldn’t understand the future. It’s full of molecules and, er …”
3. Heathers 1989
“Heathers 1989!” one user mentioned.
Another user commented, “Underrated answer.”
4. This Is Spinal Tap
One Redditor commented, “This Is Spinal Tap.”
Another user shared, “Lol, funny story. So, a friend of mine had to go to the hospital, and they needed to do a spinal tap on him. The guy f- it up ten times and got it right on the 11th. My friend called me to b-. When I arrived to visit him, I gave him his get well soon gift, This is Spinal Tap on DVD.”
5. Young Frankenstein
One commenter shared, “Young Frankenstein. So quotable!”
Another user commented, “That movie was hilarious.”
One Redditor added, “Blücher!”
6. Repo Man
“Repo Man,” one user shared.
Another replied, “A man’s gotta have a code.”
7. The Room
One Redditor commented, “The Room.”
One user replied, “Oh, hi, Mark!”
8. Snatch
“Snatch,” one user commented.
Another user responded, “‘Got anything to declare?’ ‘Yeah, don’t go to England.’”
9. Clerks
One user shared, “Clerks.”
Another user quoted, “Daa dunn daa dunn daa dunn salsa shark.”
10. A Clockwork Orange
“A Clockwork orange,” posted by one Redditor.
Another user commented, “It’s a bit scarier now than when it first came out because some of what it foreshadowed came true. I remember being in a theatre when it first came out and seeing a sign that talked about how the theatre would not show this film—not because it was violent, but because there was [unclothed people] in it.”
11. Donnie Darko
One Redditor shared, “So many, but for some reason, Donnie Darko was my first thought upon reading your question.”
Another Redditor replied, “That movie is a trip. I need to watch it now and see if it has the same impact.”
12. Office Space
“Office Space,” one Redditor mentioned.
Another user added, “Mother s-, son of a f-!”
13. Crybaby
One user posted, “Crybaby.”
Another user commented, “This is one of my all-time favourites. I hardly ever see it mentioned, even though it’s so wonderfully campy.”
14. Withnail and I
“Withnail and I,” one user posted.
Another user commented, “I can’t believe I had to scroll this far to find Withnail.”
One added, “Dealing with a b- behind the eyes.”
15. Pulp Fiction
One Redditor posted, “Pulp Fiction got a bunch of Oscar nominations (and one win) and massive acclaim in its initial release; it was immediately recognized as brilliant and was the most influential film of the decade it came out in. If that’s a cult classic, the term has lost all meaning.”
One user commented, “That’s my take too. A lot of people think ‘cult classic’ means ‘offbeat movie that isn’t a traditional Hollywood flick in its time, that I love.’ To me, it’s not cult unless it barely got attention when it was released, and hardly anyone outside its niche knows it exists.
“Something like Boondock Saints, Simon, King of the Witches, or Satan’s Sadists would be ‘cult classics.’”
16. Blazing Saddles
One user shared “Blazing Saddles.”
Another user commented, “15 is my limit on schnitzengruben.”
One commenter added, “Mongo like candy.”
17. Forbidden Zone
“Forbidden Zone. It features a younger Danny Elfman in it as the devil. (His brother Richard directed it,)” one user posted.
18. Rosemary’s Baby
One user shared, “Rosemary’s Baby, of course. That was a classic with a cult in it.”
19. Angel Heart
One Redditor shared, “Angel Heart, a very underrated movie. It should have been s-, but it was actually a great movie.”
20. Freaks 1932
“Freaks 1932, everyone’s heard of it, but how many people have actually watched it?” one user shared.
Do you agree with the title listed above? Share your thoughts and comment below!
Source: Reddit.
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Are you planning a trip to the US? Culture varies a lot between countries, even countries that share borders. So if you’re headed to the good old U. S. of A, here are a few pointers to make your travels go more smoothly!
The average American net worth varies due to many factors, with some people making far more than others. If you’re behind the national average, it may seem difficult to catch up, but whether you have bad credit or a lot of debt, you can still begin building your net worth by learning how to generate passive income.
Passive income is a great way to generate more income, pay down your debt, and start saving and investing for your future. Here you’ll learn what passive income is, as well as different ways to make passive income online and offline. With 25 passive income ideas, there is something for everyone.
25 Passive Income Ideas:
Write an E-Book
Start a YouTube Channel
Try Affiliate Marketing
Create a Blog
Sell Stock Photos and Videos
Create an Online Course
Make Sponsored Content
Invest in Dividend Stocks
Invest in REITs
Invest in Index Funds and ETFs
Try Peer-to-Peer Lending
Stake Cryptocurrency
Utilize High-Yield Savings Accounts
Buy Government Bonds
Invest in Art
Buy Property to Rent
Rent Out a Room in Your Home
Buy Domain Names
License Your Music
Design Custom Products
Rent Out Your Vehicle
Use Your Vehicle as Ad Space
Create an App
Flip Unique Items
Rent Out Your Parking Space
What Is Passive Income?
Passive income is a type of income that comes from sources other than your regular employment, and involves a more hands-off approach. Passive income isn’t a “get rich quick” scheme, though some companies make big claims about generating passive income without any work. Passive income does take work to set up, but the goal is that you can make money without managing it on a day-to-day basis.
You’ll generally do most of the work by setting up your source of passive income. While it may require some upkeep every now and then, like updating a product or maintaining a rental property, you’ll earn the majority of your income while pursuing other endeavors.
Like other sources of additional income, passive income is taxable, but when done correctly, you can make enough passive income to surpass your tax bill.
1. Write an E-Book
Whether you’re a writer or not, an e-book can be a fantastic way to generate passive income. We no longer live in a world where publishers are the gatekeepers of books, so you can self-publish a book that can generate passive income. Various websites let you self-publish books, like Amazon’s Kindle Direct Publishing, Apple Books, and Barnes & Noble. Some of these sites also offer print-on-demand services for customers who want physical copies.
You can write a nonfiction book if you’re knowledgeable about a certain subject, or you can write fiction if you have an interesting story idea. Although this can generate passive income, self-publishing can require a bit of an investment. You’ll need to pay for an editor and book cover designer, and you may also want to pay for advertisements. But if you can do the cover art and marketing on your own, you may be able to save some money.
2. Start a YouTube Channel
There are many ways to make money using social media, but YouTube is one of the best ways to make passive income. YouTube pays content creators to run ads on their videos. In order to qualify for the YouTube Partner Program, you’ll need at least 500 subscribers, three new videos within the last 90 days, and 3,000 watch hours within the last year. Previously, you needed 1,000 subscribers and 4,000 watch hours, but the policy was updated in June 2023 with lower requirements.
Like other sources of passive income, making money from YouTube will require an up-front investment of time and money. You need a stable internet connection, camera, microphone, computer, and editing software. You also need to make consistent videos to qualify for the partner program. You can eventually generate passive income by making evergreen videos, because people will watch old videos that bring in revenue—and the more videos you have on your channel, the more money you can make.
3. Try Affiliate Marketing
Affiliate marketing is when you share a link to a product or service, and the company gives you a percentage of any sales made through that link. You can share these links on your social media pages, blog, newsletter, or anywhere else that allows you to post a link. Affiliate marketing is one of the best online passive income opportunities, and you can combine it with any other online method we mention in this article.
One of the most popular affiliate link programs is Amazon Associates. Let’s say you have a YouTube channel where you review electronics, and you make a video reviewing a new TV or laptop. If you link to that product on Amazon with your affiliate link, you’ll receive a percentage of the sale each time someone uses your link.
This isn’t only limited to Amazon, either. Many companies offer affiliate links, so it can be advantageous to reach out to companies for products and services you use regularly to see if they have an affiliate program.
4. Create a Blog
There are a variety of ways to make money from writing a blog. Like YouTube, old blog posts can generate passive income even if people read the post months or years after you wrote it. If you create your own website to host your blog, you can integrate Google Ads and use affiliate links to make money online.
Platforms like Substack combine blogs and newsletters, so every time you write a new post, subscribers receive an email. You can have paid subscriptions on Substack, so users pay a monthly fee to read your posts, and you can have free posts that go out to non-paying subscribers as well.
5. Sell Stock Photos and Videos
If you’re a photographer or videographer, you can earn money for your photos and videos. There are many different websites that buy stock photos and videos, like Shutterstock, iStock, and Getty Images. One thing to consider is that the website gets exclusive rights to your images or videos, but on some sites you can make between 15% and 45% in royalties.
6. Create an Online Course
Many people have expertise in a certain area, and utilizing your knowledge and skills to create an online course is a great way to make passive income online. For example, you can create a course for how to knit, how to take amazing photos, or how to program an app. Websites like Kajabi and Teachable allow you to host and sell your courses.
You may need to invest some time and possibly money in marketing your course to ensure you find the right audience. Some course-hosting platforms like Skillshare also categorize courses by topic for better discoverability.
If you start gaining a following on social media platforms or through a blog, you may get the opportunity to do sponsored content. Companies want to ensure they target the right audience, so if you have followers who may buy their product or service, they’re more likely to sponsor a piece of content. This typically means you discuss their product in a video or write about it in a caption.
In order to generate passive income from a sponsored opportunity, the company will give you an affiliate link. This allows you to make money up front for the sponsored content as well as passive income from anyone who uses your link to buy the product or service.
This route for passive income may take some time because companies typically want people to have a decent following before sponsoring content.
8. Invest in Dividend Stocks
Stocks can be a great way to make money while also investing in your future. When you buy a stock, you buy a small portion of a company. If the stock price rises and you sell it at a higher price, you make a profit, but the stock can also drop in price and lose you money. Some, but not all, stocks offer dividends, which pay investors a dividend per share if the company has a profitable quarter.
When the stock pays out dividends, you can receive the payment directly from your brokerage or reinvest the dividends by buying more of the stock. Like other investments, this can compound and turn into a lot of money over time if the company continues to profit. As you invest in dividend stocks, keep in mind the companies can raise or lower the dividend percentage at any time.
Use MarketBeat’s dividend calculator to look up specific stocks and estimate dividend returns.
9. Invest in REITs
Real estate investment trusts (REITs) are another investment opportunity. Rather than investing directly in a property, you can invest in a REIT, which is a company that owns and manages real estate.
Similar to other investments, there is risk that comes along with investing in REITs. For example, there’s a possibility your REIT investments will lose money if there’s a drop in the housing market.
10. Invest in Index Funds and ETFs
Index funds and exchange-traded funds (ETFs) are some of the safest investments because they offer diversification. Rather than investing in one company, index funds and ETFs allow you to invest in multiple companies simultaneously.
Legendary investor and founder of Vanguard John Bogle was a major advocate for index fund investing. More specifically, he advised people to invest in the S&P 500, an index of the 500 largest companies in the United States. ETFs are slightly different because there are higher fees, but they allow you to invest in a group of stocks for a specific industry. For example, ARKK is an ETF that holds shares for companies that work on innovative technology.
There is still a risk when investing in index funds and ETFs, but they are often lower risk than other forms of stock investing.
11. Try Peer-to-Peer Lending
Another way to make passive income is to become your own type of “bank” by doing peer-to-peer lending, sometimes called P2P lending. Banks make money on loans by charging interest to customers, and P2P lending allows you to do the same thing. Websites like Prosper and Funding Circle allow everyday people to lend and borrow money with various interest rates.
12. Stake Cryptocurrency
Cryptocurrency investing is a highly volatile form of investing, making it especially high risk. Some cryptocurrency platforms allow you to “stake” your crypto, which is when you allow the platform to hold your crypto and lend it to other people. Similar to P2P lending, you make money off the interest.
Cryptocurrency lending and trading is also high risk because there is little to no regulation. Crypto platforms like Voyager have been known to offer extremely high returns and then go bankrupt, preventing them from paying back their users. In extreme cases, there are stories of fraudulent activity from crypto platforms. But if you have a high risk tolerance, this form of investing can be incredibly lucrative.
13. Utilize High-Yield Savings Accounts
A safer way to make passive income is to open up a high-yield savings account, which allows you to make money simply by holding it in your account. Banks use customer funds to lend out money, but unlike crypto staking, bank funds are backed by the U.S. government via the FDIC. This means that if, for some reason the bank doesn’t have the money when you want your funds, the government would provide the bank with the money to pay you up to $250,000.
Many banks and financial institutions offer high-yield savings accounts, with some offering an annual percentage yield (APY) of over 4%. So if you opened an account with a 4.5% APY and deposited $1,000, you would have $1,045 after a year.
People maximize their passive income by not touching this money because it compounds each year. So using that same example, in the second year, you would then earn 4.5% of the $1,045 rather than the original $1,000. And if you add to the savings account each month, you can make quite a bit of money over time.
14. Buy Government Bonds
Perhaps the safest way to earn passive income from investing is to buy government bonds. A government bond is basically a loan to the federal government that pays you back the original amount with interest over a certain period. The reason government bonds are so safe is because the government backs them. When buying a stock, it’s possible to lose your money if the company goes out of business. Bonds are safer because as long as the government exists, you’ll make your money back.
Although government bonds are very low risk, they also offer low returns. Depending on various factors, government bonds may offer a 3–5% return over two to 30 years. To put that into perspective, S&P 500 index fund investing offers an average return rate of over 7.5%[1] .
15. Invest in Art
Similar to stocks, you can also invest in artwork. One way to do this is to buy works of art that you believe will increase in value later. If you’re knowledgeable about art and can find pieces selling for below their value that you can sell later for a profit, you can make a bit of money. Websites like Masterworks allow you to buy shares of artwork with other investors so you take on less risk.
16. Buy Property to Rent
Many people generate passive income by purchasing properties to rent. If you can afford the initial investment of buying a single-family home or condo, you can then rent them out to tenants for a profit. For example, if you buy a house and your mortgage is only $1,000, you can make a profit by charging any amount over your mortgage cost.
In order to take advantage of the passive income aspect of renting, you may benefit from hiring an individual or company to manage the property. Property managers collect the monthly rent and take care of maintenance issues for a fee. Should you decide to invest in rental properties, it’s helpful to factor in the cost of potential home repairs before, during, and after tenants live there.
17. Rent Out a Room in Your Home
If you don’t have the money for a down payment or don’t want to take on the risk of purchasing a rental home, you can always make some extra income by renting out a room. If you have a spare room in your home, you can rent it out for a monthly fee. This is a great option for families whose children recently moved out.
You can use websites like Airbnb and VRBO to connect you with renters. Although many people use Airbnb for short-term rentals during vacations, you can also offer long-term rentals through the website. These sites also let you vet renters before they move in, so you have control over who rents the room.
18. Buy Domain Names
Buying domain names is a sort of investing, so it does come with some risk. People and businesses buy domain names to host their websites, so you can purchase a variety of inexpensive domain names in hopes of people buying them from you later for more. You can typically buy domain names for less than $10 through websites like GoDaddy, but if they don’t sell, you’ll need to pay the annual cost to keep the name.
While this may be a risky investment, people have made a lot of money flipping domain names. It was a big money-maker during the “dot com boom” in the 1990s, Help.com sold for $3 million and NFTs.com sold for $15 million in 2023. Many domains don’t sell for millions, but you may still be able to make a decent profit off domain names in high demand.
19. License Your Music
If you’re a musician, you can license your music in a similar way to selling stock photos and videos. Some websites like Music Vine pay musicians 30% for nonexclusive deals or more for an exclusive license. There are also websites like Epidemic Sound that market to YouTubers and filmmakers by offering a subscription service for royalty-free music.
20. Design Custom Products
For those who are artistically inclined, you can make money creating designs and selling them on websites that sell custom products. Websites like Redbubble, Teespring, and Society6 offer print-on-demand services for your artwork. These websites sell a wide range of products like T-shirts, coffee mugs, phone cases, and more. You get a percentage of the sale every time a customer goes to the website and chooses your design for any of these products
If you have old artwork you created in the past or simply feel like creating in your spare time, you can generate passive income as long as your art is hosted on these types of websites.
21. Rent Out Your Vehicle
Services like Uber and Lyft are popular side hustles, but you can make passive income by renting out your vehicle instead. When people are traveling or have their car in the repair shop, they often need a vehicle to get around. Rather than going to a rental car company, they can rent a vehicle through other websites like Turo or Getaround.
22. Use Your Vehicle as Ad Space
In addition to renting out your vehicle, you can make passive income by using your vehicle as ad space.
Websites like Wrapify connect businesses and drivers, and depending on how much of your car you’re willing to cover with ads, Wrapify will pay you between $181 and $452 per month. There are also sites like FreeCarMedia.com that pay you for wrapping your vehicle or simply advertising on your rear window.
23. Create an App
If you’re a programmer who can create an app, this may be the best way for you to make passive income. Whether it’s a fun game or an app that provides value and convenience, use your creativity and skills to generate income. Apple and Google allow developers to submit their apps, giving you a percentage of the sale each time someone buys the app.
24. Flip Unique Items
One of the oldest ways to generate passive income is to buy unique items, hold them, and sell them at a later date for a profit. If you’re knowledgeable about a certain type of item or are willing to learn, you can make a decent amount of money by buying and holding items.
This is ideal for people who like shopping at thrift stores or going to garage sales. You may find antique toys, memorabilia, sports trading cards, comic books, or other items for a low price that are either worth a lot of money now or will be in the future.
To sell the items or see how much items are selling for, you can use websites like eBay, OfferUp, Craigslist, or Facebook Marketplace.
25. Rent Out Your Parking Space
Some people are willing to pay for a good parking spot. If you have a space you’re not using or don’t mind giving up, you can make money renting it out—especially if you live in an urban area. Websites like SpotHero allow you to list your space.
What’s the Best Source of Passive Income?
The best source of passive income is unique to each individual. There are many options on this list, and some allow you to capitalize on different skill sets. For example, if you have expertise in certain subjects, the best sources of passive income may be online courses and e-books. If you have knowledge about stocks or are willing to learn, investing may be the best option.
When deciding which passive income sources are right for you, it may be beneficial to weigh out the pros, cons, and risks of each one. Remember that many of these options require an initial investment of money and time to get started. Consider your own risk tolerance and financial situation before going all in on any of these methods.
Do You Need Money to Make Passive Income?
While you’ll need money to get started with many passive income ideas, this isn’t the case for every method. For example, if you own a vehicle or have an extra room in your home, you can start renting them out. If you have a computer and internet connection, you have even more options.
Many people who make passive income succeed because they are willing to learn and can invest time into researching these topics. There’s a wealth of information online where you can learn how to excel at specific passive income opportunities like writing an e-book, succeeding as a YouTuber, or using affiliate links.
The Benefits of Multiple Streams of Income
Depending on your specific situation, you may want more than one source of passive income. Whether you’re already in a healthy financial situation or are trying to build your personal wealth and credit score, more income streams means more financial freedom.
The primary benefit of passive income is that you can make money with minimal effort. This means once you get one source of passive income rolling, you can begin adding others so you have multiple income streams that don’t require too much time or attention.
How Passive Income Can Help Improve Your Credit Score
A poor credit score can lead to many challenges—like making it difficult to get approved for new lines of credit, loans, and rental applications—and cost you a lot of money in interest in the long run. Passive income can help you fix your credit by allowing you to pay off your debts. Lenders also look at your total income, so making additional income can help with approvals for new lines of credit, which can also help improve your score. It’s important to know the current state of your credit health. You can get a free credit report card on Credit.com which breaks down your credit score factors and assigns a letter grade for each area, or sign up for our ExtraCredit® subscription for additional credit tools.
Have you ever been in a conversation and heard something so irritating that it grates on every fibre of your being? We all have those things people say that drive us crazy, whether it’s the friend who corrects your grammar or the family member who gives unsolicited advice. No matter how much we want to let out a deep sigh and roll our eyes whenever we hear these dreaded words, there’s often no escape! So, if you’re fed up with hearing some of the world’s most annoying phrases day after day, join us as we take an entertaining look at the top 20 things we hate hearing from people below.
1. Why Are You So Quiet?
One user posted, “‘Why are you so quiet?’ or cracking jokes about the fact that I’m quiet.”
One user added, “Extroverts are rude without knowing it themselves … asking introverts that question is like asking extroverts ‘Why are you so noisy?’”
2. Emotional Dumping
One Redditor shared, “All their problems.”
3. I’ll Pray for You
“I’ll pray for you,” posted one user.
4. You’ll Regret It When They Die
One user posted, “‘You’re going to regret … when this person passes away’ No, I’m not.”
5. That Vaccines Cause Autism
One online user added to the thread, “The ASD/Spectrum myths. Like the one about vaccines spreading it, or it being contagious and [stuff] like that. As someone on the spectrum, I have to wonder why and how people think these things.”
Another user replied, “Got told today my son doesn’t look autistic.”
One added, “Yep. Some people will do that. I try to ignore it, but it gets hard. I hate hearing stories like this because they shouldn’t happen. I hope you and him are okay.”
6. You Don’t Know if You Like It
“‘You don’t know what you like because you’ve never tried it.’ That’s not true. Even if you haven’t tried something before, you can still form an opinion based on what you know about it or what you have heard from others,” one user shared.
7. You Need to Start Dating Again
One user shared, “‘You need to start dating again.’ Me: NOPE!”
8. Their Uninformed Opinions
One Redditor added to the comments, “Their uninformed opinions.”
9. Excuses
“Excuses,” posted one user.
10. Trust Me
One user shared, “‘Trust me.’ Instant distrust.”
11. I Give Up
One user added to the thread, “I give up.”
12. It’s Not That Hard
Another Redditor shared online, “‘It’s not even that hard.’ Luckily, people don’t really say that to me, but I hear others saying it to others. C’mon now, don’t say that to anyone; instant confidence drops.”
13. Only Gays Have Long Hair
“‘Only gays have long hair.’ If someone would say this to me, I would say: ‘Okay, and?’” one user stated.
14. Insults
One user stated, “Insults.”
15. Gossip
One user mentioned “Gossip.”
One user replied, “Especially bad ones.” Another user added, “Yeah, they do gossip as if it is a hobby … “
16. When Will You Get Married?
“When will you get married?” one user posted.
17. You’re Overreacting
One user added to the thread, “‘You’re overreacting’ when I tell them how I feel (angry or sad situations.) ‘Smile more’ (THIS ONE, YOU’RE AN AH IF YOU ARE GONNA GET ANGRY WHEN I DON’T LISTEN AND NOT HELP ME BE HAPPY AGAIN)
“‘What is wrong with you?’ (When you trigger my overprotective sensors or smth that makes me react badly.)
“‘Stop screaming.’ (Stop triggering/angering me, please. I can’t control my feelings and body at all.)
“‘Why do you have to be so sensitive?’ (I don’t believe that it’s my fault … )
“‘Who asked?’ (Bro, nobody cares who asked. Just let me have a conversation.)
“‘Why are you so quiet?’ (idk, but when I’m not, please don’t ignore/talk over/interrupt me.)
“‘I can’t be friends with you because you eat pineapple on pizza/do smth crazy.’ (Bro, you can’t do that irl as not jokingly; what kind of AH are you? I’d be fine if you actually find smth real as crazy, not an unpopular opinion that won’t hurt you—except support of SA, Abuse, Pedos or similar stuff).
“‘You’re weird.’ (WHO BUILT ME like that? I NEVER ASKED FOR DIS– except for disgusting/creepy stuff.)
“Don’t harass me, please.”
18. Everything’s Gonna Be Okay
One user stated, “‘Everything’s gonna be okay.’ Been hearing that for 30 years…”
19. You’ll Have to Become Vegan
One Redditor added, “My family has something weird against veganism. I don’t know why or if it has to do with anything, but it’s so weird when they crack jokes like ‘Shut up or you’ll have to eat vegan schnitzel,’ ‘Starting off tomorrow you’ll have to become vegan,’ and then they expect me to say something like ‘Noooo!’
“I’m not scared of meat alternatives; I’ve had vegetarian meat before and they actually taste well; my family, however, who have never tried vegan meat ever, have constant rants about how disgusting vega(n) meat is. I basically eat everything in this house with the exception of a few vegetables, yet I’m still the ‘picky one.’”
20. I Don’t Mean to Be Rude but …
“‘I don’t mean to be rude/offend you, but …’
“Something rude and/or offensive always follows. And since they know that in advance, stop making excuses or just don’t say anything.”
Do you agree with the statements listed above? Share your thoughts down in the comments!
Source: Reddit.
10 Actors Perfectly Cast for Their Character Roles
Have you ever watched a movie or show and been completely lost in it because of how well an actor or actress became their character? Check out this article for a whole list of actors who were perfectly cast!
11 Vampire Movies That Will Make You Thirst for More
You know that feeling where you’re on a movie kick in a certain genre, but you seem to run out of good movies to watch? Well, if you’re down for a vampire movie or three, check out this article for the best ones out there!
10 Incredible Movies That People Rated 10 Out of 10
It’s pretty hard to replicate the experience of watching your favorite movie for the first time, but we’ve put together a list of movies that people have rated at a perfect 10/10. Next time you need a good movie to watch, check this out!
10 Famous People Who Canceled Themselves With Their Own Stupidity
We’ve all been there: you make a comment you haven’t thought through at all, and the whole room goes silent at what you’ve just said. But can you imagine doing that as a famous person—and getting canceled? Check out this list of celebrities who did just that!
13 Things You Shouldn’t Do When You’re in the US
Are you planning a trip to the US? Culture varies a lot between countries, even countries that share borders. So if you’re headed to the good old U. S. of A, here are a few pointers to make your travels go more smoothly!
If you feel that your cost for health insurance is too high, you’re definitely not alone: A recent analysis from the National Health Interview Survey (NHIS) found that 7% of Americans did not have health insurance in the first three months of 2023.
To help offset the costs and help Americans avoid crippling medical debt, the federal government offers tax relief for those with high-deductible plans if they choose to open a Health Savings Account to set aside funds to pay for medical costs. A Health Savings Account (HSA) might be just the thing to help alleviate your financial pain, but you’ll first need to qualify for the program.
What Is an HSA?
An HSA is a dedicated savings account created in 2003 to help people with high-deductible health insurance plans afford their medical bills. It is not the same thing as a Flexible Spending Account (FSA), an employee benefit that allows you to set aside pre-tax dollars to cover medical spending. Notably, an FSA is a “use it or lose it” plan: If you don’t spend the funds you had deducted from your paycheck by the end of the plan year, you forfeit the money.
An HSA, on the other hand, can be set up by an individual or by an employer, and the money you contribute is yours to keep for life. Like FSAs, HSAs provide tax benefits; however, HSAs are not available to everyone.
Who Is Eligible for an HSA?
HSAs are available exclusively to people who are insured under a high-deductible health plan. These plans may be offered by their employers or purchased individually. As of tax year 2015, IRS rules state that a high deductible must be at least $1,300 for individual coverage or $2,600 for a family plan. If your deductible meets those minimums, you can open an HSA.
Are HSA Contributions Tax Deductible?
Yes. Contributions to your HSA can be deducted from your taxes, even if you opt for the standard deduction instead of itemizing. This will reduce the amount of money you need to pay taxes on and will either lower your overall tax bill or increase your refund. If your employer takes HSA contributions directly out of your paycheck, those funds are considered pre-tax dollars and result in the same tax savings.
Are Distributions From an HSA Taxable?
Maybe. When you use funds from your HSA to pay for qualified medical expenses, you will not pay taxes on the money you withdraw. You may use the funds immediately or wait for years before dipping into your HSA account to pay your doctor’s bills. You will also not pay taxes on any interest earned in your HSA account if it is used to pay medical expenses.
Once you reach age 65, you may withdraw funds without penalty to pay for anything. If you use the money for non-medical expenses, however, you’ll be expected to pay income tax on the money. For many people, this will still result in tax savings, as most retirees are in a lower tax bracket than they were while they were working, and won’t be charged as much on the money as they would have been in their prime earning years.
Are There Limits to HSA Contributions?
Yes. For tax year 2023, savers with an individual health plan can contribute a maximum of $3,850. Those increase in 2024 to $4,150. Those with a family plan can contribute up to $7,750 for the year and $8,300 in 2024.
Are HSAs Connected to the Affordable Care Act?
Not exactly. HSAs were first offered in 2003 under President George W. Bush. Although each year changes are made to the contribution limits and deductible requirements, changes in the Affordable Care Act (also known as “Obamacare”) would not necessarily have an impact on these accounts.
How Does an Individual Open an HSA?
If your employer doesn’t offer an HSA plan as part of your benefits package, or if you buy insurance on your own, you can open an HSA with any HSA bank as long as your health plan qualifies. It’s always a good idea to shop around for the best interest rates and lowest fees to make the most of your investment.
All of us have done some foolish things when we were just little kids. Most of those are only for fun and are seemingly safe. However, it’s not always the case; some of the things we do as children can have a greater impact on our childhood—or worse, they’re affecting us in still as adults. Here are 12 things people did innocently as children that affected their childhood. Let us know in the comments if you resonate with some of the things listed here!
1. Messenger Bags and Side-Bangs
Do you like wearing messenger bags? Having bangs when you’re a kid?
Well, one Reddit user shared, “I used to wear messenger bags in the 6th grade to be trendy, and wore my bangs to cover my left eye. Now I have borderline severe scoliosis from the weight of the bag being on one side, and my left eye is lazy.”
2. Playing Music Too Loud
One commenter said, “Wear headphones and play the music as loud as my walkman/discman would go. Now I have tinnitus.”
Another one replied, “Oof it’s rough! I have a particular day and time that I know I screwed my hearing up, and I’ve had tinnitus ever since.”
One Redditor added, “It’s literally what happened to me. I always used to get it would last like 30 seconds and go away. It would suck, but I always knew it would stop. And then… one night, I was sleeping, and it woke me up out of my sleep. It never went away. I’ve had it for 8 years now. Some days are bad, and some days I barely notice it. It’s always noticeable when I’m going to sleep. Just gotta learn to live with it, sadly.”
3. Not Brushing Your Teeth
Were you also lazy about brushing your teeth? Well it doesn’t take long for you to start having dental problems.
“Was too lazy to brush my teeth. My parents didn’t seem to notice if I did it or not. I’d probably only do it for like 30 seconds every other day. And only ever once a day. I’m now facing lots of expensive treatment and having to go to private because getting an NHS is nigh on impossible,” one user shared.
“Same. Spent over £3k sorting my teeth in my 20’s, from years of neglect. 12 fillings, two root canals and 3 years of braces. Decent enough teeth now thankfully, but could have [saved] much pain if I’d [brushed] and [gone to the dentist],” someone replied.
4. Lying on One Side Too Much
One Reddit user shared, “I used to use my laptop lying down on one side with my arm propping up my head, for hours and hours. I have permanent back alignment issues.”
Another user replied, “I still do this when I’m tired, and it always ends up with a first rib subluxation. I’m used to doing it, though, it’s a tough habit to break.”
Another one added, “I have always leaned on my right side, and now I have tendinitis in my rotator cuff, and I’m only reminded not to lean if it starts hurting shortly after I start leaning that way.”
5. Finding Safe Places
Some of us have had a terrible childhood, and sadly, most of those memories and defense mechanisms we’ve come to use as children will still greatly affect us in adulthood.
One person stated, “Hide in small spaces to get away from my abusive parents. Now whenever I’m panicking, I try to look for small spaces to hide in and will panic more if I can’t find one.”
The second person replied, “The feeling of despair I get when I realize there’s nowhere for me to hide is terrible. It’s like being stuck in the middle of the ocean. I’m sorry you experienced the same thing.”
6. Being Antisocial
While you may have enjoyed your own company as a child by playing video games all day, it may ultimately significantly impact your adulthood.
One Redditor stated, “Being an introvert and staying home playing video games all the time, now that I’m 28 don’t have any friends, the loneliness is getting worse.”
Another one replied, “Oof I feel this. I never really learned how to be social and make lasting friends. At least I found a husband who also avoided everyone and played video games lol.”
One commenter said, “I kinda feel this, but I don’t regret the gaming. It was fun. And I still made lots of friends when I went to college, who I still hang out and play games with. Maybe I’m just lucky, but you might find some luck too if you manage to find people who share your interests.”
7. Wearing Bad Shoes
“Wore nothing but chucks and flats from age 12 to my late twenties and now my feet are messed up,” someone shared.
“Really? How is that harmful?” another user asked.
“No arch support,” someone replied.
A fourth commenter added, “No. Humans were never made to need arch support. Muscles in the foot should be strengthened by use (barefoot walking). Now we need arch supports because we smash our feet so dang narrow and reshape the foot with modern footwear our feet are literally deformed. Hence the need for supports, cushioning, toe spring, shoes with heel drop, etc.”
8. Not Showing Emotions
One person shared, “Hid my emotions because I was trying to be ‘manly.’ Now I have psychological issues from trying to be someone other than myself, not to mention high blood pressure, back and neck pain, hair loss, and a number of other ailments.”
Then the second person replied, “I’m sad that the older generations were taught that men shouldn’t ‘have emotions’, I’m glad it’s being realized that everyone has emotions, we’re not robots after all! I hope you find peace.”
9. Eating Your Feelings
Do you binge eat when things get too complicated and too much to handle? While it can help you a bit when dealing with stress, it actually does more harm than good.
“I have a weird relationship with food from binge eating so much and my dad basically getting us McDonald’s on the daily. I’m not overweight, but I’m definitely unhealthy and steadily gaining more weight than I’m comfortable with. Cooking somewhat healthy meals at home is easy for a week, then I fall back into my old ways.”
“Put a stop to it now seriously i was raised on McDonald’s and Burger King. I’m 32 and literally… I’m the fattest I’ve ever been. Just got a trainer, and his reaction to my soda intake was an eye opener,” someone replied.
10. Staring at the Sun
Do you remember staring at the sun when you were a kid? Well, you’re not the only one.
“I don’t know why, but I stared at the sun wearing 3d glasses for a minute or two. Now, when I close my left eye, the white walls are very slightly reddish. When I close my right eye, the white walls are very slightly bluish. Definitely damaged some cones in my eyes,” shared one person.
11. Bullying Others
One person stated, “I was a bully. A horrible bully. And I live with shame every day of my life because of it.”
The second person replied, “You can’t undo your past, but you can work on doing some ‘good’—help the underprivileged, something for the environment, kids, animals… Lots of ways to give back to society and feel better. Make it happen!”
A third commenter added, “Think of it this way: the fact that you feel bad about it now means that you have grown as a person. You know how bad you were before and have the knowledge of how to be good now. A lot of people don’t come to this realization in their whole lives, so you did something special.”
Do you have similar experiences you’d like to share? Let us know in the comments.
Source: Reddit.
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Not only are SUVs spacious, but many are also family vehicles, so they come with high-end safety features. These features make some SUVs cheaper to insure than other popular vehicles on the market. The Subaru Outback takes the top spot on this list, and it’s also rated one of the safest midsize vehicles by the Insurance Institute for Highway Safety.
SUV
Average Annual Premium
Subaru Outback
$1,603
Honda CR-V
$1,635
Honda Pilot
$1,726
Ford Escape
$1,734
Honda Odyssey
$1,735
What Factors Make a Vehicle Expensive to Insure?
The primary factor that makes a vehicle more expensive to insure than another is the risk. Insurance companies calculate the risk for different vehicles based on how many claims people file for those vehicles, plus the cost of the repairs. While this data can’t predict the likelihood of someone getting into an accident, the data gives insurers a rough idea.
Insurance providers look at how much a vehicle costs to repair and the likelihood of the vehicle being in an accident. For example, insurance rates are higher for sports cars because people who buy sports cars are more likely to speed and drive recklessly, based on the data.
Some of the most common factors that make vehicles more expensive to insure include:
Vehicle age: An older vehicle may not have the newest safety features, but premiums may be lower on some older vehicles if the average repairs cost less.
Vehicle value: When cars are more expensive, they’re often more expensive to insure as well.
Cost of parts: Some vehicles have more expensive and specialty parts, which cost more to replace if the vehicle is in an accident. Various trim features in a vehicle can also raise the price of premiums.
Safety rating: Many insurance policies also cover physical injuries to you or another driver, which is why safety ratings play a major role in determining the cost of insurance.
Size: Although a larger vehicle may be safer, it can also cause more damage if it’s involved in an accident.
Most Expensive Cars to Insure
If you’re thinking about purchasing a new or used vehicle, it’s helpful to know which types of vehicles typically have the highest rates. They include:
Sports cars
High-end luxury vehicles
Electric vehicles
Cars that attract thieves
These vehicles are more expensive than others primarily due to the overall cost of repairs. For example, while electric vehicles may save you money on fuel, the cost of the battery can range from $4,000 to $20,000. There are also certain vehicles that thieves commonly target. A recent article from MoneyGeek[1] listed the following as the top 10 most stolen vehicles in America:
Chevrolet trucks
Ford trucks
Honda Civic
Honda Accord
Toyota Camry
GMC trucks
Nissan Altima
Honda CR-V
Jeep Cherokee and Grand Cherokee
Toyota Corolla
5 Tips to Get Cheaper Car Insurance
Whether you want cheap insurance for your new vehicle or to lower the rate for your current vehicle, these five tips may help.
Be a good driver. This sounds obvious, but it’s a must. When you’re a good driver, you save money on insurance. This means avoiding car accidents, DUIs, and other major violations.
Consider the insurance cost when buying a new vehicle. A vehicle’s make and model alone can make car insurance more expensive. Remember this when you’re buying a new vehicle, because not only will you have monthly car payments when financing a car, but you’ll also have insurance premiums.
Shop around. Like many other expenses and purchases, it’s a good idea to get multiple quotes before settling on an insurance company.
Look for discounts. Some insurance providers offer discounts, so be sure to ask. You may also receive discounts for bundling your auto and home insurance through one provider.
Improve your credit score. Your credit score may impact your car insurance rate, so make sure you watch for derogatory marks on your credit report that can lower your score.
FAQ
Here, we go over some of the most common questions people have about car insurance rates.
What Type of Car is the Least Expensive to Insure?
Subaru holds the top two spots for the cheapest cars to insure: the Subaru Outback and the Subaru Crosstrek.
Why Are Some Cars Cheaper to Insure?
Some cars are cheaper to insure because they’re cheaper to repair, have better safety features, and are a low-risk for insurance providers based on their data.
Is Insurance Cheaper for Older Cars?
Insurance for older cars is not necessarily cheaper than newer cars. If an older vehicle is more expensive to repair or has poor safety features, it may have higher rates. on the other hand, older vehicles that meet current safety standards and are inexpensive to repair may have lower rates than some newer vehicles.
What’s the Most Expensive Car to Insure?
Out of the top 25 most popular vehicles in the United States, the Tesla Model Y is the most expensive car to insure, and the Tesla Model 3 is the second most expensive.
How Your Credit Score Affects Your Car Insurance Rate
Many people don’t realize that not only does your credit score affect the cost of your vehicle, but it can also affect your insurance rates. If you have derogatory marks on your credit report from late payments, missed payments, or collections, you may face higher insurance premiums.
Before you shop for auto insurance, it’s helpful to know your credit score. You can receive a free credit report card at Credit.com, and our ExtraCredit® subscription offers even more credit management tools.
Methodology
Data was sourced from Quadrant Information Services and provided to NerdWallet[1] and Bankrate[2] . Both studies analyze data from ZIP codes throughout all 50 states and Washington, D.C., and are weighted based on geographic region and population.
NerdWallet’s research used data from Kelley Blue Book for the top 25 best-selling models, along with rates from different ZIP codes in the United States. NerdWallet based its data on both male and female drivers 35 years old with good credit and clean driving records using the following coverage limits:
$100,000 bodily injury liability coverage per person
$300,000 bodily injury liability coverage per crash
$100,000 property damage liability coverage per crash
$100,000 uninsured motorist bodily injury coverage per person
$300,000 uninsured motorist bodily injury coverage per crash
Collision coverage with $1,000 deductible
Comprehensive coverage with $1,000 deductible
The Bankrate study analyzed rates for a 40-year-old female and male who have clean driving records and good credit. Rates are for full coverage and are based on the following limits for a 2021 Toyota Camry that drives five days per week and roughly 12,000 miles per year:
$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$50,000 property damage liability per accident
$100,000 uninsured motorist bodily injury per person
$300,000 uninsured motorist bodily injury per accident