Another gooder: Restaurant corporations relying on customer tips to pay their employees appropriately. Making us feel like customers are the problem and cheap if they don't tip 20% of the bill.🙄
I was at a take out once and the person in front of me gave a $20 tip .. the cashier made a loud sigh and said "I wish he didn't add he tip " ... I asked her why ... she said that the owner keeps all the tips and and never pass it on to them (the workers) ..
This scam goes all the way back to the early 1900's. Restaurants started this scam to get out of paying a living wage, and I'm talking about the fancy, expensive restaurants in the fancy, expensive hotels. Edit: This is in the U.S., by the way. Just saw the part where she mentioned she lives in Canada.
Years ago I noticed a $20 a month "line fee" on our Verizon phone plan. So I called the rep and asked her what that was. She said, "It is to hold your phone number, so it can't be used by others". I was like, "WHAT?", and told her that nobody can use our numbers ANYWAY, they are ours. I asked her to check... she went away, and supposedly could not find any more information on it. So we were paying $240 a year for a thing that made no sense, and seemed to do nothing. We switched to another, than another plan that didn't have this "Line Fee", and costs less than half of what our other plan did.
Sin shortens life, because of our sins we are separated from God.There is nothing in this world worth going to hellfire for. Repent of your sins and be born again, Jesus Christ is coming back everyone. It's about a relationship with Jesus Christ NOT religion/denomination. We have a relationship with Jesus Christ by repenting of all of our sins, praying and reading the Bible everyday, believe the gospel of Jesus Christ and be born again.
Yes to all, and THANK YOU FOR CALLING OUT UNI DEGRESS! I am a 55 yo teacher with a BSc, BEd, MSc, and part of a PhD (quit because I was having fun but decided to return to teaching elementary/secondary kids). And I am the first to say we need WAAAAAAAAAAY more options for education of kids besides the current mainstream school programs, and way more kids going into apprenticeships and trades. I am so excited to show my own 16yo this video so he hears this rant from someone other than me! Thank you!! ❤
Someone I know is going to college. He's constantly bombarded with the 'Current Thing' crap; "woke", Palestine/Israel, BLM/ANTIFA, C(lie)mate Change Cult dogma...👎🏿👎🏿 None of it has anything to do with a Science degree...
I used to work in banking. Bank fees are a total scam. Especially ATM fees. Back when ATM's were put into use, the idea behind them was to free up time for tellers. Instead, banks not only used it as an excuse to reduce their workforce, they pay poorly--and now they charge a fee for a lot of the ATMs. Once again, those fees don't trickle into their average workforce, it's all about the CEO's and shareholders.
As a person from Europe I have to point out it baffles me everytime to hear that university in America always equals debt. We pay ( when i recall correctly) around 700€ a Semester as fees. Additionally to that there are monthly expenses like rent, food etc. Where your family supports you. otherwise you have the possibility to loan money without interest (Bafög) or get support ( Wohngeld) without ever having to pay that back. Of course you have to fit certain criteria for that. I had ZERO debt after college. ZERO. And i come from a poor family.
I left my bank years ago when they changed their policy and wanted to charge me for keeping my money. Found the credit union that suited me and it's worked out perfectly. I've been on mint for almost 2 years now. You pay for the year in advance and I love that. It feels wonderful that I don't have to think about a monthly bill. You deserve to keep your hard earned money!!! 💰
I was going to say the same thing, most banks are terrible. Credit Unions are owned by the depositors so any money that they collect either goes to compensating bank employees or back to the members in the form of interest or services. The main way that can go wrong is if the executives are being overpaid. But, as there are no 3rd parties, that's easier to solve.
@@SmallSpoonBrigadeI used to like my credit union until they decided to shut down a whole bunch of atm’s with barely any kind of explanation. My thinking is the money they save goes into the pockets of those at the top…Now because of what they’ve done, I now have a 40 minute drive to get to an atm, when it used to be five minutes away from me!
Great video Nicole! Another thing to keep in mind is that according to current banking laws, a bank can loan out 9 times the amount of money they have on deposit. So if a bank has $10,000 on deposit, they can 'loan' someone else up to $90,000. Chew on that for a while.
@@SgtJoeSmith They don't hand you cash money - they create a credit account for you, and you have to pay them. Nothing about the transaction has to do with actual FIAT currency.
I agree with everything you say here. I wish I realized the University scam sooner than I did, because I wasted so much time and money. I finally went to a trade school and used work study and internships to get my foot in the door in an industry I still work in. My brother barely graduated high school, but a family friend hired him to work for his business. He eventually took over the company and is retiring soon. Finding a good mentor can be much better than a degree.
As an older Gen X'r, who was around when ATM cards were new, I've never accepted bank fees as being acceptable. Thankfully, credit unions typically were a lot better about not pulling these games. Plus, they don't get rich off our money. that's just a facade. They get rich creating money from nothing to loan out, and leverage that to make more fake money, and so on, and so on.
There was a book in the 1970s called 'The Screwing of the Average Man', which detailed the numerous ways that the biggest industries - banks, insurance co's, lawyers, doctors... screw most people. It's probably worse now.
Insurance... my late stepfather was an actuary (basically a specialist in the mathematics of finance). His rule was "never insure anything that you can afford to replace." That's because insurance is like gambling, with the odds against you. He was a very rich man - but the only insurance he ever took was the compulsory insurance (here in Australia) against killing or injuring someone in a car accident. During WW2 he worked on Atlantic shipping convoy strategy, but that's another story.
It's been so long since I paid any bank or credit card fees. Being a military veteran with good credit really pays off. I always pay my credit card balances in full every month for the past 20 years. I get so many discounts and money back that I actually make money from all of those things.
I worked in various hospitality jobs and eventually ended up managing a hotel. I didn't have a degree and while it may have taken 5 more years to work up to positions that someone may have gotten to sooner with a degree, the difference is that I was paid for those 5 years, not the other way around. My brother got a photography degree at an expensive private school only to make a career as a real estate broker. In contrast, my sister got full value from her nursing education. The thing that gets me riled a little is that people judge on your level of education. Or they think they are better than you because of their education. Most people I know with degrees didn't retain any of what they learned.
Great video- I totally agree with all you’ve said. I’m subscribing. More giant scams; healthcare industry, local councils, fashion industry, tech industry, food industry, pensions, taxation... The problem is we are all so busy & caught up with day to day survival issues, dramas & time-leeching activities, that we don’t have the energy, time or stamina to do research and see things for what they really are. Often it’s only when we’re old that we get a different perspective on life. And no one is interested in or listens to the elderly.
0:00 Intro; 0:36 Bank Fees; 4:15 Overpriced Phone Plans -- 5:25 Mint Mobile (a great alternative); 6:38 Credit Card Interest; 8:57 Insurance; 11:14 University Degree; 14:28 Outro.
The only reason why I bothered to finish my degree was that I was dirt poor on government programs and knew I would qualify for grants and not have to pay anything. I got both state and federal and got a refund every semester. I figured if my situation changed later (and it has) I would regret not seizing that opportunity.
I agree with you on items 1 to 4. I also agree that the price of a college or university degree is obscene these days in the US and, apparently, Canada. However, it is not outrageously expensive in other places. Also, vocational training is not the only reason to seek higher education. As the president of my alma mater told us at the first convocation freshman year, "Four years is not enough time to learn much about anything and it doesn't matter what your major is." By this time we were getting pretty worried, but he continued: "However, you will leave here with two very important life skills. You will learn how to write well and convincingly and you will know how to find out what you don't know." How I wish that more Americans had learned critical thinking, how to discern what is real and what is fake.
We always wanted the applicants to have a degree, but it didn't really matter what the degree was. It was considered an indicator of two things - that the person could learn and that they would pursue it to completion. Because much more than high school university requires a lot of self-study. Of course this was before the world wide web became ubiquitous. Back then a lot of books were not available in the public library and university libraries were not open to the public.
College isn't for or necessary for everyone, totally agree even as someone who went to college (it was worth it for me). I saw a lot of people who were going to college because it's what you're supposed to do but they actually were never interested in going it was just out of obligation or because all their friends are going. Most of them end up dropping out and losing money. If you really want to go to college go but don't go because everyone else is. It's not worth the hassle and financial loss.
In England, we have a guy on tv who tells you how to save money. One day I heard him say “ Don’t pay for home contents insurance [ generally speaking], just SAVE your money and then if something breaks you can afford to replace it or get it mended.” I have gladly taken his advice and benefitted from it.
Your advice is spot on! Long ago, there existed apprenticeships. I am 69 years old. I started my career before people had to have a bachelor's degree to get a good high school education. I have been a broadcast engineer and worked my way up to two television networks (ABC and CNN). I switched careers to information security 25 years ago, and became an architect at Yahoo and NASA. I finished only the 9th grade. Then I did self study. And recently, attended "Google University." Everyone who is truly talented with whom I work in my field skipped the university route, where they would have only learned ancient history in my rapidly developing area of work. They are all successful autodidacts!
I'm still in broadcast engineering (will retire next year). The military provided the training for me, and it's given me a very nice living for 40+ years now. The field is so varied that it's taken me this long to start getting bored lol.
I’d never skimp on car insurance, ever! I was in a car accident, the old man that hit me had minimal insurance and thankfully, I had full coverage. My insurance had to cover my rental, my medical since I was injured and still need surgery, the additional costs to repair my vehicle and the list goes on. I live in California and because we are such a liberal state, we only mandate a minimal amount of vehicle coverage. I gladly pay for full coverage and it was a blessing.
This...yes! Never skimp on car & home insurance! Phone insurance, yes skimp on it. One of those things you don't need until you need it. Had an accident the same week hail ravaged my two months old home. All I paid was 2,500 deductible and insurance covered the 84K damages (car + new roof and windows and others). I sure know that even with healthy savings and emergency fund, I will struggle to cover it all by myself.
Good auto insurance is definitely worth it. I hit a deer in May of 2020. The cost to repair my vehicle was over $6K and it was in the body shop for six weeks waiting on parts. Insurance paid for everything including a rental car for me to drive in the meantime. It's also covered three windshield replacements and a tonneau cover that was damaged in a windstorm.
Had full coverage, but when a woman hit me, she cried and my insurance person started shouting at me and called me a liar. I ended up paying the deductible and they never fixed my car properly.
How about the price of phones? Not the bill. Just to own a decent phone? And people line up to buy a new one every year as if they were cars. The crap we put up with from these phone companies blows my mind. I agree with every word you said in this video. ❤
My two sons don’t have college degrees and they both have 6 figure jobs. They barely made it through high school. 😂. They love what they do . College degrees are over rated as a rule.
All spot-on 👍 With the college thing, I come from a long line of academics (professors and such). I dreamed of becoming a prof myself. But now I'm glad I *didn't* go down that road. The crumbling of education has been a difficult tragedy to watch 😥
We do realise, just what can we do about it? I complained once and they gave me back $180 in fee's. They also charge you extra for late billing paying fees extra $20 or $30 extra. My sister invested in a smaller bank and they went bankrupt
Hey Nicole, thanks for your video! I especially love #5, and here's my shining example... I have 2 degrees, racked up over $124 THOUSAND dollars in student loan debt (some accounts with a whopping 8% interest). Was never able to get a job in either of the fields due to not enough jobs for all the graduates they pump out (after "selling you" that they'll help you find employment). Or the competitive markets that you don't have enough "experience" for. And now I"m in the homeless housing program, attempting to make payments on 35 year old student debt. There are millions of others out there who've had the same experience. People, think twice before you get suckered too.
When I started college, the tuition was $88 per quarter. When I finished, it was $129. When my daughter went to Boston University, it cost $30,000 per year! After getting my teaching degree, the talk was that most of the people I graduated with worked as bank tellers.
so art history and gender studies didnt work out? thats too bad. Im paying 16 year olds $100 an hour to change oil on lawn mowers. Im a 9th grade drop out. guess you got the wrong degree
They were teaching gender studies in the 90's?... guess I was absent those days. I thought Veterinarian was medicine/science, wow I guess you are so much smarter than me. Thank you for setting me straight your high and mightiness, what would we ever do without people like you. God bless you.
As far as the insurance goes - my dad was a cropduster for 47 years. He insured his spray plane as well as his passenger plane with the same company the entire time and NEVER ONCE filed a claim. He was an amazing, smart, skilled pilot in a quite risky division of aviation. When he turned 70, so at the time 37 years into his career and still flying daily, that same insurance company TRIPLED his premium on the spray plane. 10 years later and they also tripled the rate on his Cessna 180, still had a perfect flight record. So even though he can still pass his medical, can and wants to fly daily, he can’t. Who can afford over $7k a month just for insurance? So he’s grounded and absolutely depressed and going downhill quickly because he can’t do what he loves. It’s sad and BS.
I went to University as an adult, in my 30's, and I did lost a lot of work opportunities while I was busy submitting papers on time. I'll admit, that I went back to school for being satisfied with my self, I gave my all during those four years and I graduated Magna Cum Lauda. Frankly, I hoped to get a better working life but I didn't really, I went to learn new things and kept my mind busy, learned a lot of interesting things too. All in all, I would do it again because I invested in myself anyway and I never thought I could.
My car is 20 years old and long ago paid off. I drive maybe 150 miles per month and have had no tickets or accidents. When I first got it insured (in 2016) it was $80 per month. Since then, for some f'ed up reason no one can explain, it has climbed to $123 per month.
I definitely agree with you about insurance. I dread to think how much money I have spent on insurance policies over the years and I have never once claimed on one. :(
It has been my experience that if you do make a claim, they will usually just deny the claim and by the time you have held them to the contract, you have spent so much on lawyers that the result is moot anyway.
Insurance is something you hope you don't have to use. But sometimes you do get your money back. I have three cars, all paid off. In the last three years I've hit a deer ($6,400, repaired), replaced three windshields (approximately $450 each) and had the wind rip off a tonneau cover ($400) but since I have $0 deductible policies I haven't paid a dime out of pocket nor have my policies increased.
You are right about insurance. My brother’s brother-in-law took over his uncle’s insurance agency after he died, and my brother’s friend took over his father’s agency. These two men are rolling in money. The premiums roll in, they have super-fancy houses, they send their kids to those prestigious universities, they take long luxurious vacations.
I hope you get many more subscribers as your message needs to get out there, especially to those who are starting out in their adulting adventure. It will save them so much if they understand these financial pitfalls. You are doing great work.
People have proved that they are unable to save money. I don't want to be on the road with people who can't pay to fix me or my car if they run in to me.
I feel that the information Nicole provides is incredibly valuable to young people between 16 and 26 years old - especially the last point she addresses - INCREDIBLY valuable and important! - YOUNG people - please listen to Nicole and don't belive the hype. Basically Nicole is teaching you what your parents should have - she is helping you not to fall for systemic and societal traps that so many others have fallen into and remeber she is not that much older than you guys are younger folks. Listen to this smart, remarkable woman people!
Thanks Nicole. It's refreshing for a woman to speak up for the working people who take a big hit from this. This doesn't affect the well off, wealthy, very rich. No princess, wall flower here. Thanks Nicole. Thanks for a little bit of fighting the good fight and speaking truth to power.
University isn't for a job, it is to broaden your knowledge. Got mine in English Literature and German. I taught for 32 years in high school and just retired. Amen 🙏. Life insurance...that is a real scam.
An old friend of mine told me when I was very young that a college degree just prepares you to work for someone else I took his advice and eventually owned my own business
Please give the ones who raised you a great big hug. I have helped raise many suicidal kids in one parent families. I absorb their fear of life and give them back the love of life. I coach and raise by actions and being there...
Totally agree with all of these points and have taught them to my kids. I always love and look forward to your videos and would love a part 2. Thank you for the effort and good info you put into your videos, and telling it like it is! 😊
Love your show. I worked at a community bank for over 30 years. The work and employees needed to deal with statements, NSF checks, over draft, stop pays etc is very time consuming. The bank has to pay their employees and it is not a non-profit organization. Don't overdraft your account, pay attention to your minimum balance, rules about the account and you should never have any fees. Take responsibility, thanks for letting me comment
State Farm just raised my auto premium 30% despite me not having any tickets, accidents, claims or DUI's. I am also in the safest age group. An additional scam with insurance companies is they like to bundle policies thus making it more of a hassle to switch companies. I am not married to any insurance company and shop around at renewal time.
Even though I have decades of practical experience, my boss said that I would lose my job if I didn't get a degree (like him) or certificate or some sort of paper to say that I was qualified. So I went to TAFE & got all 3 certificates & worked for him part time & ran a household & looked after my husband & parents. I am now unemployed, divorced & in forced "early retirement" because my health deteriorated because of the extra work & stress.
I agree with all you say. When I was 18 the insurance industry ripped me off. I'm now 75. During the 57 years I have spent very little on insurance. Currently I'm spending zero. I got rid of my credit cards.
Small ripoff purchases online and when you call the office line is disconnected. I think they scam smaller amounts like $30-70 in hopes you will blow it off and they keep the money.
You are so spot on with this stuff. I've felt this way about the university degrees for a long time... It's refreshing to actually hear someone else say this.
Standing charges on utility bills are the biggest rip off, it penalises people who are either trying to be frugal and save money on energy or water. Or people trying to help the planet. Imagine paying for a restaurant you hardly ever use, just in case their cooker breaks in their kitchen or something. Running costs should be built into the Unit price of energy, to make things fair on everybody.
As you mentioned, bachelor's degrees these days are the norm. My job required a generic BA just to get my foot in the door. In most cases it doesn't matter where the degree is from. You don't have to spend a fortune and go to the most prestigious schools. In fact, you can complete the first couple undergraduate years at a local Community College and then transfer to a university for the "brand name" (if desired) on your diploma.
No, most jobs don’t. Most working people in this country don’t have a degree and many tradespeople ( electricians, plumbers etc.)make a better living than some with degrees .
I've been told this bullshit all my life: "it doesn't matter what your degree is! All that matters is that you have a degree, that's all most companies care about!" Except, that's a complete lie! Every company cares far more about experience and skills than whether or not you have a degree. I've had a bachelor's degree since 2005 and only one (temporary) job I've ever had has required one. Every job I have ever had has been low-wage trash! Because of that, I can't get one of these mythical "any degree is fine" jobs that people like you claim exist!
A good friend of mine paid for Term Life Insurance for over 30 years. When he hit 65 years of age, the company increased his insurance bill to TEN TIMES AS MUCH. Needless to say, he dropped the insurance, and now has none, when most likely to need it. DON"T BUY LIFE INSURANCE; SELF INSURE INSTEAD.
You got your point across . I for one am a pensioner living in Australia and my income is 27k AUD. Starting with the first scam Bank fees , I am lucky I am with a bank that is run by shareholders and I get no fees. the second one I don't believe in phone plans but I do pre paid on my mobile phone as I am with Optus. $30.00 every 28 days = $390 00 per year. Your third scam being Credit Cards. I don't have one and I don't want one. I don't even own a debt card. In Australia the only insurance I pay is 3rd compulsory car insurance which is included in your car rego in Australia. Uni degrees I laugh. If the government had their way you will be paying for a degree in how to take a shit in the crapper. In my case I have none so no bill here either. One of those things I like to talk about is the amount of taxes charged on basic needs. As anything you wanna do, three levels of governments wants their piece of the action. As I find these as scams as well. Fuel has three taxes (2 x Federaly and 1 State) , New cars (see fuel) , Houses has 4 or 5 taxes .
Thanks Nicole, refreshing to here the truth from our friends next door, I am in Eastern Washington State USA & I agree with all you just said, in fact I'm looking in to that phone plan now!
Reminds me that lipstick, nail polish, false eye lashes, perfumes, shaving the hair off under your arms, etc. are useless also and distract suiters from looking at what's really important like can you get along well together through the rough spots in life.
I think I love you. No. I KNOW I love you. THIS is the BEST video. The Bank fees thing... Ah! THANK YOU! I LOVE it when someone thinks past the end of their nose and then clues us all in on it. I appreciate all the energy, time, work, insight, foresight that went into making this.
When you realize that everyone is out to make money then the world is easier to deal with. If you're being scammed, you're not always being scammed, then you should stop doing business with the scammer and move one.
Using a credit card as a debit card is also a scam because you’re always living on next months money. If you ever decide to stop using the credit card, you will be a month behind in your funds. It’s just like another scam that people fall for, payday loans.
Two small scams that irritate me. First is a company that has their cashers ask if you wanted to round up the bill and donate to a charity. When the company donates the money they get to claim it on their taxes. The second are donation boxes to for profit companies. They are not the Good Will or Salvation Army. I see these boxes in from of schools asking for books and in other places near a Salvation Army or Good Will Donation box. They are for profit, and don't help people in need.
They also create it out of thin air, thus the term fiat. It costs them about $.05 per note, then they sell them to us for face value. Thanx for the video sweetie, much appreciated.
The other thing about bank fees is that there used to be a real person called a teller that you dealt with when you needed to do something with your own money. Now, so much of what we do is automated. It is just one computer talking to another with no person involved. I've always wondered how credit card companies are legally allowed to charge 15 to 20 per cent interest rates. When you call them on it I think they try to give the rate some other term than interest. When does it stop becoming a high interest rate and essentially become loan sharking? I seldom use my CC and when I do I have almost always paid it off the at the end of the month. When I don't I tend to pay it off by the end of the next month.
Totally agree about the insurance scam. Not only do they raise your rate if you dare to make a claim, but it’s totally useless to even make a claim if the amount to do a repair is below your deductible. Deductibles can be pretty high, so you could be paying for the repair out of pocket AND your monthly premium. Definitely a scam.
It depends on the type of claim. Comprehensive claims don't raise your rates. Collision claims generally don't raise rates unless you're at fault. As far as deductible goes, you can always get a plan with a lower deductible. I have a $0 deductible on my plans. It's very important to understand just what you are getting when you buy insurance. A lot of the gripes people have with stuff like insurance and credit cards could be avoided if they just sat down and read the terms.
Any kind of insurance makes me mad. There should be a limit on how much people can sue for. Because we all pay for IT. We also need reform from attorneys getting a third of the $$. It's a long drawn out court game. Because we all pay for it one way or another. Higher taxes ECT.
The only type of insurance that is useful is whole life, however, only if used wisely. If purchased early in life and kept until the inevitable. This is how the rich pass on wealth to the next generation. Proceeds from a life insurance policy are paid tax free or can be used as a tax-deductible donation to off set capital gains from other portions of the estate.
All great points. Dave Ramsey teaches these also. The next one to add is "we will always have car payments." Buying a good used car and saving the difference you would pay monthly to build a "car fund" for repairs and your next car. Therefore having the cash on hand to haggle the best price for your 4 wheels and a motor. And pay for repairs a used car may incur
I renewed a motorcycle policy that cost $250 per year. 3 months into this year I sold the bike. I should have been refunded 75% of $250 = $187.5. They refunded me $75.
Insuring an item is pointless if you can either afford to replace it yourself or you can manage without it. I know people who insure the equipment for their hobby - pointless.
When buying a house, you have to pay for Title Insurance. Which basically tells you that the home you are buying has a clear title. Seems to me that the bank or mortgage lender would already have done this, because if you foreclose on the mortgage, they take possession of it.
I stopped dealing with banks years ago. I joined the credit union when I got my first full time job at the phone company and have been with credit unions ever since. They are much more consumer friendly than banks. IMHO.
I was told once that why going for a degree wasn’t about the degree it was the ability to stick to it and get the degree which equated to a person who would stick to the job at hand and see it all the way through! Some people are just not cut out to be students in the first place, and to push them into going to college or university is a crime in my opinion !
Having a degree doesn't guarantee a person has the skills or ability to actually function in the workforce. There are those who stay in university and just collect degrees; they know a lot in theory, but are unable to apply their knowledge in real life. I know others who had very limited education but are brilliant in their work. I think an aptitude for learning, the ability to comprehend well and to problem solve, will take one a long way in whatever career or educational choices one makes.
Sending more people to College was a reaction to a shrinking job market but the problem with that is sending more to College does not create more jobs, unless jobs are artifically created, and most if the time that happens with government money.
Car insurance here in UK is a scam. Just been through the process after my wife was in a crash, not her fault, someone drove into the side of her car. Been absolute stress and hassle trying to get anything done by this company. She's been with them for 5 years and a loyal customer. Not anymore.
The biggest problem with insurance is that the insurance companies will try to weasel their way out of paying any chance they get. However, being uninsured and then suffering a catastrophe like a house fire, or tornado, or a cancer diagnosis (in the US) will financially destroy you. A couple years ago, some tornadoes blew through the US South, hitting a lot of poor areas where people didn’t have homeowners insurance. Now they have mortgages and no homes. Twenty years ago, a neighbor was in a car accident. Her family had to split the cost between two insurance plans because she racked up a quarter million dollars in two days.
Not only do I use a credit card, but I charge everything I can on it. There is never a balance going forward on it. WHAT'S IN YOUR WALLET? I did get in a couple of years in the university in Accounting and worked as an Accountant for 5 years. But then, I got another job, making 6 figures, and no formal education was required at all. I retired for that place at age 51 and have been enjoying the hell out of my life every since.
Unfortunately w/ car insurance, the real value is not in fixing your own car but covering the remote possibility that you wreck into someone else's car. If that person has injuries and has to go to the hospital - it can easily run into the hundreds of thousands very quickly. Thankfully most never have this happen but knowing this, most end up paying 10s of thousands for peace of mind.
Ill tell you a scam that absolutely gets under my skin. Paying for RU-vid Premium and then (cough cough) click on something you want to see only for that show to pitch their own ads. 😮
@@AccordingtoNicole So you ask us what our thoughts are then you belittle the very thing you asked for? So you pretty much just shot yourself in the foot. I do have to say I got more info from two words than anything you spent your hard time trying to promote. Good luck in life. You will need all the luck you can get. Have a nice day. 👍
