Next Level Apparel (@NextLevTees) Twitter

Next Level Apparel is a leading blank tee manufacturer that delivers the highest quality most affordable basic tees.

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Beautiful day to be in Long Beach! Come enjoy this weather with us at The NBM show! We have some of our newest items on display and our experts ready to answer any questions!

Ive always been a fan of the fit [email protected]

We will be coming to a city near you!/t/yynnub/eefd0ba5f161d0183165917eac7ee83e

Seeking shade in the heat with the Tri-Blend Racerback Tank Dress 6734

On the road again [email protected] Chicago today & tomorrow. We will be in booth 1207 so definitely come check out whats new!

Next Level Apparel Retweeted The Minstrel

Give our customer service a call and they will be able to tell you what to do /status/9296

I received a Father/Child gift on one of your Tees for this last Fathers Day, and after having worn & washed the shirt once, the sewn seam of one of the arms separated. Is there a way to get this repaired through you, or am I better off just sewing it myself?

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Average Joes Above Average Beer Podcast

Shirts came in early! The material is amazing, good workI have everyone who ordered tagged on their shirt, let me know how you want yours. ALSO I HAVE A?utm_source=ig_twitter_share&igshid=1hc36jz0tumjc


Happy to announce the continuation of current pricing through the end of the year!/t/6gn1tb/f0e43f93d96a29b2743d75a3ffe156c1

Next Level Apparel[email protected]

Check out our new tanks video!/t/2pjxtb/752e315b81ed35d8f03fca116dace534

Keep your promotion comfortable and fashionable [email protected]! Brand this flyer and others at

Your favorite NL styles made in the USA!/t/iuxjtb/6c0e08168d2bd8738361c3da3b1bae0e

Got to check out NAMM! Awesome event! Even found [email protected] (our personal favorite)!!!2018?utm_source=ig_twitter_share&igshid=9ndzsdgnhmsq

Well be in 3 places starting 6/28/18: AGENDA in Long Beach CA till the 29th, booth: Resource 1 NAMM in Nashville TN till the 30th, Booth 1401 IDEA FITNESS in San Diego CA till the 30th, Booth 1546

Early morning shoot here in Hollywood! Getting set up for a full day shoot [email protected] photos to come!

Today is International T-Shirt Day…what will they think of next internationaltshirtdaytshirtdayteespotdpicoftheday

Next Level Apparel Retweeted James Kelley

– I put you on every day and never say thanks, so today I am saying thank you. Especially to the

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Well never run out of reasons to [email protected] From badass shirts, to diversity, charitable support, and most of all, ethical sourcing. All clothing is designed in Austin, and produced in California [email protected]

Shop our handcrafted and incredibly soft Tri-Blend L/S Henley 6072. Available in S-2XL in 4 vintage heathered colors.

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Millionaire Mommy Next Door

A self-made millionaire shares her recipe for success, happiness and financial freedom

Known as The Millionaire Mommy Next Door, Jen Smith went from earning minimum wage as a graveyard shift donut and coffee waitress to financial freedom as a self-made millionaire by age 40. Jenbootstrapped half a dozen small businesseswhile working from home in her pajamas. She learned how toinvest in the stock marketandin herself. Her story is more than a rags to riches story, itsa rags to a rich life story.

Now Jen is on a mission to inspire and empower others throughfinancial educationso they too can enjoy the life they want to live. Jensharesher recipe forsuccesshappinessandfinancial freedomvia writing,blogging, speaking andcoaching. As part of her commitment to community, Jen pledges her blogging profits as 0% microloans to small businesses operated by working, impoverishedwomenin developing countries.

Private Coaching from Millionaire Mommy!

Privacy Policy, Terms of Service and Conditions of Use

My Story: From Minimum Wage to Millionaire Mommy

Coaching: Financial Freedom, Small Business, Lifestyle Design

The Investment Risk-Return Correlation

Q:Pam asks, After my portfolio value dropped by 40%, I panicked and pulled out of the stock market. I have $150,000 sitting in my savings account, earning squat. I know I should put it back to work, but with the state of our economy, I dont know what to do with it. Any thoughts?

A:If youre terrified of the volatile economic climate today and would be an insomniac if you were invested in the market, perhaps its best to keep it parked until you are emotionally and behaviorally ready to stomach the ride and stick to a strategy. Preserve your capital while you take some time to reassess your goals and risk tolerance, determine an appropriate (perhaps more conservative) asset allocation, and explore various investment strategies to find a good fit for your goals and personality.

First, lets address the risk-return correlation. In subsequent posts, Ill tackle the other pieces.

Generally speaking, the goal of an investor is to be compensated for the amount of risk they take. Better yet, the investor seeks out the best risk-adjusted return Ill discuss this piece later.

If you are willing to accepthigh volatility(investment risk) for ahigh potential return, consider investing in a diversified portfolio of:

If you are willing to acceptmoderate volatility(investment risk) for amoderate potential return, consider investing in a diversified portfolio of:

If you are willing to acceptlow volatility(investment risk) for alow potential return, consider investing in a diversified portfolio of:

If you are willing to acceptvery low volatility(investment risk) for avery low potential return, consider investing in a diversified portfolio of:

CDs (Certificates of Deposit)

on The Investment Risk-Return Correlation

The Story of Goldilocks and the Three Retirement Contributions

By Jen Smith,The Millionaire Mommy Next Door

Once upon a time, Goldilocks went for a walk.  Pretty soon, she came upon her bank.  She asked the bank teller for her retirement account balance and when she was shown the number, she wept.

Goldilocks returned home to assess her budget and see where she could come up with some extra money to make regular IRA contributions. She thought about quitting herlatte habit. $3 saved per day could grow to $177,706 in thirty years.

This idea is too soft! she exclaimed.

So she returned to her budget and considered cutting her housing and utility expenses in half bydownsizing to a much smaller home. $1200 saved per month could compound into $2,389,653 in thirty years.

This idea is too hard, she said.

So she returned to her budget and took aim on hertransportation costs. If she sold her car and used her citys excellent public transportation system instead, she could save $780 per month. In thirty years, her retirement fund could blossom into $1,553,275.

Ahhh, this idea is just right, she said happily. Goldilocks sold her car, walked back to her bank, and made a contribution to her retirement account.

Thirty years later, Goldilocks retired, and lived happily ever after.

For illustration purposes, results werecalculatedat 10.00% ROI compounded annually. The actual rate of return is largely dependent on the type of investments you choose. Over the most recent 30 year span, from January 1, 1980 to December 31, 2009, the compound annual growth rate (annualized return) for the S&P 500, including reinvestment of dividends, was 11.29% (source). Total savings are calculated in actual dollars (not inflation-adjusted). A common measure of inflation in the U.S. is the Consumer Price Index (CPI), which has a long-term average of 3.1% annually (from 1925 through 2008).

Million Dollar RecipesRaising Money-Smart KidsRetirementSave Money (frugal ideas)

on The Story of Goldilocks and the Three Retirement Contributions

You Dont Need A Broker: 9 Keys to Investing Successfully On Your Own

Im sure there are investment brokers worth their high commissions and fees, but I havent experienced one. I burned through five brokers before realizing that no one cares as much about my money and my future as I do. Brokers are salespeople. Naturally, they care more about their bottom line than mine.

Most people I coach dont realize that theyve been paying a 5-6% sales commission every time they buy new mutual fund shares because the commission is built into the price, making it difficult for the investor to see it. And paying a sales commission has nothing to do with the performance of a fund; you arent buying a better fund simply by virtue of paying more for it.

Each year, Id compare my broker-managed portfolios performance with the stock market indexes (Wilshire 5000, S&P 500, Dow Jones Industrial Average, NASDAQ, MSCI EAFE, etc.). I found that despite paying a decent sum to brokers for their expertise, my portfolio usually under-performed the standard index benchmarks. In 1999, I decide that it was worth my time and energy to learn how to manage my own investment portfolio. My efforts have paid off very handsomely. Heres a down-n-dirty summary of what Ive learned:

Start as early as possible to take advantage of the astounding power of compounding growth. By reinvesting the gains you receive from the money you invest, you can double your money in less than eight years assuming a 10% average annual return. Take a look at the following example, then trythis calculatorto see how much postponing your savings plan could cost you.

Postpone saving for 10 years, then save $10,000 per year for 20 years

2. Put Your Investment Contributions on Auto-Pilot

Instruct your bank to automatically transfer at least 10-20% of your gross income to your investment account each month. If you dont think you can afford to do this then you cant afford your lifestyle! Get creative, cut expenses elsewhere, and start paying yourself first.

3. Maximize Retirement Account Contributions

How taxes are applied to an investment can make a big difference in the long run. There are tax advantages to retirement accounts which is why (in most cases) you should maximize your contributions to these accounts first, then add to your taxable accounts. Additionally, some employers match your contributions which equals free money.This calculatorcompares a normal taxable investment to two common tax advantaged situations: 1) an investment where taxes are deferred until withdrawals are made, and 2) an investment where taxes are paid on money that goes into the account but all withdrawals are tax free.

4. Be Mindful of Feesand Do It Yourself

Invest $10,000 each year and use a broker to place your order and you might pay $575 per year in sales commissions. Alternatively, learn to place investment orders yourself and your commission savings, compounding 10% annually, would be an extra $104,042 in your pocket in 30 years. Invest in a low-cost equity portfolio using no-load mutual funds, Exchange Traded Funds (ETFs) and index funds. Even a small difference in the fees you pay on your investments add up over time. Usethis calculatorto see how different fees can impact your investment returns.

5. Diversify and Build a Balanced Portfolio

Speculative investments are like eggs: when they fall, they make a mess. Dont place your bet on a single stock or sector. Spread your risk into a variety of market caps and styles as well as domestic, foreign and emerging markets. Proper diversification helps your portfolio weather any ups and downs the market can take. Asset allocation accounts for 94% of the variation in portfolio returns, while market timing and stock picks account for only 6%(Gary Brinson, Randolph Hood and Gilbert Beebower). Review and rebalance your portfolio annually to maintain your desired allocation percentages. TheAsset Allocator calculatoris designed to help you create a balanced portfolio of investments. Your age, ability to tolerate risk, and several other factors are used to calculate a desirable mix of stocks, bonds and cash.

6. Dont Invest Money You Cant Afford To Lose

Rises and falls in the stock market are normal and frequent. Dont invest your emergency fund into the stock market because you dont know when youll need to use it. Money you may need within the next few years doesnt belong in the stock market either. Investing for portfolio growth is yourlong-termgoal.

Protect your growing wealth with adequate insurance. The number one cause of bankruptcy is major medical expenses. In addition to medical insurance, consider coverage for disability, life (consider a term policy rather than whole life), auto, homeowner/renter, business, and personal liability. Buy policies with the highest deductible you could afford to cover from your emergency fund and invest what you save from the reduced rates.

8. Understand Your Assets and Liabilities

Most people consider the home they live in as an asset but the truth is, its a liability. And if you are counting on future home appreciation, its speculation. Stop thinking of your home as a savings account. Dont believe the sales-pressure hype that homeownership is your best investment: youre spending money on a property that isnt producing income. If you insist on owning real estate as a part of your investment portfolio, buy an investment property that produces a positive monthly cash flow.

If youre finding it difficult to squeeze your budget for investment contributions, downsize to a smaller home. Invest any remaining home equity, plus your new-found monthly savings, into your long-term-growth portfolio.

9. Dont Invest Until You Understand

Question every piece of advice you are given through the filter of whats in it for them? Unfortunately, there is no shortage of people who are skilled at separating you from your hard-earned money. It pays to be suspicious. If you arent committed to learning how to self-manage your investments, consider hiring a FEE-ONLY financial adviser (rather than a commissioned-sales broker) to assist you.

What Ive offered today is a summary. Ive shared my opinions and experiences. But dont just take my word; ask questions and read investing books and web sites. Learn about different investing strategies and styles, assess your own personal risk tolerance, make a plan, then stick to it. Use your head not your emotions to guide your decisions. Practice investing first, using virtual online applications (not real money), as you wean off of your high-commission broker.

Dont miss anything:Subscribe to receive free email or RSS notificationswhenever I publish a new blog post. No spam, no risk, and it is easy to unsubscribe should you ever change your mind. Follow me on Twitter (@MillionMommyND) where I share interesting articles, opinions, quotes, tips and other bite-sized tidbits relevant to success, happiness and financial freedom.

on You Dont Need A Broker: 9 Keys to Investing Successfully On Your Own

Do you know how many dollars your spare room is costing you?

Do you have a guest room but few friends? (sorry.) A formal dining room that looks pretty because it rarely sees a crumb? A formal living room that only gets walked through on the way to your homes hub: the kitchen and family room? Spare rooms you dust them, vacuum them, furnish them, paint them, fuss over them but rarely do you LIVE in them.

How many dollars does a spare room cost?

I pondered this question during our walk to our neighborhood park today. Our condo is surrounded by large suburban homes. Each home statistically has an average of 2.5 people living in it. I suppose the poor little 0.5 member is missing a few body parts. Probably from all that excess dusting. I digress. I look at these gigantic homes and wonder how many of their rooms get LIVED in on a daily basis versus how many sit pretty all day long but never see any true love.

So being the environmentally sensitive money gal that I am, I crunched some numbers today to see if I might encourage a few folks to join me indownsizing to a just-the-right-size home.

For those of you that dont enjoy numbers as much as I do, Ill get to the punchline pronto:

In my neighborhood, a typical 12 x 12 spare room (guest room, formal dining room, whatever) could cost about $350,000 EACHover the course of a 30 year mortgage!

Mommys Million Dollar Recipe: Dusty Room Dump-lings

Downsize your home by 432 square feet (three 12×12 rooms)

Which will reduce your monthly housing expenses by $530 a month

And invest your monthly savings into a diversified investment portfolio

Yield: Over one million dollars ($1,000,000) in 30 years!

For my fellow number nerds, heres the assumptions I used for my calculations:

12 x 12 = 144 square foot spare room

Typical cost of housing per square foot (in my location) = $150

@ 5.5% mortgage interest rate for 30 year fixed

= $122.64 month / room in principal and interest cost

+ $18 / month / room in property taxes (1% of value annually)

+ $9 / month / room in homeowners insurance (0.5% of value annually)

+ $27 / month / room in allowance for periodic maintenance, repairs, remodeling (1.5% of value annually)

NOT including extra utility expense or furnishings

+ lost opportunity cost of $176.64 savings invested at 10% long-term compounding average annual return for 30 years (mortgage term)

= $348,692 TOTAL PER SPARE ROOM (x 3 rooms = $1,046,076)

So what do you think? Is this million dollar recipe worth dumping a spare room or three?

Million Dollar RecipesReal EstateSave Money (frugal ideas)

on Do you know how many dollars your spare room is costing you?

Why Im Waiting Until After 2012 To Buy A Home

The real estate and mortgage industries are trying hard to convince us that NOW is a good time to buy a home. They use low mortgage interest rates and the soon to expire First-time Homebuyer Tax Credit program (which I qualify for sinceIve purposely been a renter for the last 6 years) as their rationale.

Dont expect unbiased advice from salespeople!What most wont fess up to is that if I (or you) buy a home now, well likely be throwing our precious money away because home prices are still under great pressure. Ill wait until the knife stops falling, thank you very much.

We are done with subprime resets but pay attention there is a second wave of mortgage resets to endure.What is a mortgage reset?Its when the homeowner, who bought a house with a low teaser rate and planned to refinance when the house price went up, gets a new payment that is far higher (not always, but usually). Many homeowners cant afford these resets, especially with unemployment and underemployment rates at these levels. Lenders are cautious and tightening their underwriting guidelines so refinancing may not even be possible for many borrowers.

The first wave of resets was subprime. The subprime wave is over. Whew! That hurt! But Alt-A and Option ARM resets arent over and combined, they represent a much larger category of mortgages than subprime. Most of these mortgages are alreadyunderwater:the home has negative equity; the home is worth less than the mortgage owed. The combination of resets plus the underwater status will likely add fuel to defaults and foreclosures, putting yet more downward pressure on home prices.

Some argue that the problem with adjustable rate mortgages resetting to higher payments isnt as important now because many of those loans defaulted early. Even so, we still face the major problem ofshadow inventory:distressed mortgages facing foreclosure and bank-repossessed properties that have not yet reached the market. At the current rate of sales, it could take almost9 YEARSto sell off all the foreclosed homes in banks possession, plus all the homes likely to end up there over the next couple years (according to LPS Applied Analytics).

Another knife that has the potential of slashing home prices further is the increasing prevalence ofwalkaways (strategic defaults):the decision by the borrower to stop making payments on a mortgage despite having the financial ability to make the payments. Walkaways happen after a substantial drop in the houses price. The borrower is underwater so she decides to free herself from the burden of mortgage debt. Once free of the mortgage, she is free to use her income for other expenditures. The borrower, after deciding to not make payments any more, can live free of the costs of mortgage payments until the lender forecloses which may take the lender from several months to years!

A study in September 2009 from the credit reporting agency Experian and consulting outfit Oliver Wyman estimated that close to a fifth of troubled mortgages in the U.S. involved borrowers who were strategically defaulting. While I havent looked for a more recent statistic, I can only guess that this number will climb as more homeowners get mad at Wall Street and as walkaways become less morally and ethically charged.

Ive been told by countless Realtors that I should buy a home NOW because having been a renter for the past 6 years, I qualify for the First-Time Homebuyers Tax Credit. But what do you think will happen to house prices once the tax credit incentive expires? Id say houses will not sell as well as they have lately (with the credit artificially propping the market up) which will increase the supply of homes on the market and push down on prices.

Ive also been told by Realtors that I should buy a home NOW because mortgage interest rates are so low. But I dont worry about rates because I have the cash to purchase our next home outright if the interest rates move up. Even if I did need a loan it wouldnt change my mind because asPatrick Killeleaastutely points out,

It isfarbetter to pay a low price with a high interest rate than a high price with a low interest rate, even if the mortgage payment is the same either way.

Your property taxes will be lower with a low purchase price.

A low price gives you the ability to pay it all off instead of being a debt-slave for the rest of your life.

As interest rates fall from high to low, house prices increase.

Paying a high price now may trap you under water, meaning youll have a mortgage larger than the value of the house. Then you will not be able to refinance because there youll have no equity, and will not be able to sell without a loss. Even if you get a long-term fixed rate mortgage, when rates inevitably go up the value of your property will go down. Paying a low price minimizes your damage.

Additionally, if interest rates rise, the number of borrowers who can qualify for a higher mortgage payment will drop. Less qualified buyers in the market means you got it more downward pressure on home prices.

In summary, I see no rational or compelling reason to buy a home right now. 2012 or after? Well see!

Note: This post was featured in the most creative Carnival of Personal Finance Ive ever read check it out!The Origin of the Piggy Bankby Well-Heeled Blog

Dont miss anything:Subscribe to receive free email or RSS notificationswhenever I publish a new blog post. No spam, no risk, and it is easy to unsubscribe should you ever change your mind. Follow me on Twitter (@MillionMommyND) where I share interesting articles, opinions, quotes, tips and other bite-sized tidbits relevant to success, happiness and financial freedom.

My familys values-driven lifestyle of voluntary simplicity is great for our wallet and the environment. Some of our frugal choices make a really BIG impact, like how my husband and I have shared one vehicle since getting married 23 years ago. Carpooling cuts down on carbon emissions and as I calculated for you in a previous post,sharing one car instead of owning two can make anyone a millionaire in 29 years.

The little choices we make count, too. Frugality is the art of resourcefulness. Wear it out, use it up, repurpose it! Take the life of one of my t-shirts for example:

I get a free t-shirt as a promotional giveaway.

While the t-shirt is new, bright and crisp, I wear it.

As the t-shirt fades from frequent washings, I wear it in the garden or to the dog park.

Laundered a few more months and it gets super-comfy-soft. Now it becomes my cozy sleep shirt.

Once my spouse gets over the thrill of my thread-bare-wee-bit-see-through sleep shirt and then starts poking fun at it, I cut it into squares and my free t-shirt becomes lint-free cleaning rags.

Today is Earth Day. What are you doing EVERY day, both big and small, to help our Earth and your wallet?

Wow. Thanks for all the curious/concerned emails lately asking, Where are you? All okay? It feels awesome to be missed 🙂 Im fine; just took a blogging break. Actually, Ive been writing a quite a bit lately, just not here forums, media inquiry replies and interviews, a book proposal and outline, coaching followups, storybooks with my kiddo Frankly, my backside couldnt bear another minute sitting in front of the keyboard! It hasnt been all writing though Ive been having tons of fun too: several house guests, Chinese New Year parties, homeschooling with my voracious little learner, raising and training ten baby parakeets (my hubby calls it our 4-H-in-the-condo project). But I have missed my blogging friends! So without further ado, I will pull some interesting questions from my inbox and respond to them here. Identifying details have been changed or removed. Feel free to add your suggestions in the comments as Im sure these folks would appreciate alternate viewpoints.

Q:Carolyn asks, For the past two years I have enjoyed your emails. My savings has grown from an average $1,500 to $35,000. I have committed to saving a set amount but also some unexpected money has come my way which I have saved all of it. I think changing your mindset along with action and education has contributed to my money growth. My next step is to pay my mortgage off early. Any suggestions?

A:Awesome progress, Carolyn. Congratulations! While I dont know all of the pertinent details about your financial situation, I feel compelled to share this: In my opinion, paying a mortgage off early is one of the very last steps most should take in their financial life. Why? Because there are many other money matters that take a higher priority. As a general rule of thumb, heres the order of financial steps I typically recommend:

First: Pay off toxic debt: start with credit cards and loans that charge the highest interest rates (because youll save money), and those with account balances that hover closest to maximum credit limits (because itll improve your credit score). Raise quick cash immediately by selling stuff you no longer need, want or use.

Second: After youve paid off all debt balances with interest rates over 8-10%, start saving at least 15% of every dollar earned to build an emergency fund equal to 6-12 months of take-home income.

Third: Once your emergency fund is complete, start investing AT LEAST 10% of your monthly gross income in a diversified portfolio of no-load mutual funds, ETFs, stocks, bonds. Start with your tax-advantaged retirement account(s).

Fourth: Get cracking on any remaining lower-interest rate (below 8-10%) debt balances.

Finally: Paying off the mortgage would be the last financial task on my list, especially if the mortgage rate is reasonable. Better yet, if I had a home with a mortgage and I was seriously in debt, Id sell my home to pay off my debt with the equity. Besides, renting is often cheaper than buying!

Q:These days, simply being a (one) millionaire is not enough to be financially free, depending on ones age. Unless universal healthcare is achieved and unless I learn to cut back on expenditures, I think I would need 2.5 million to be financially free. At least. I dont see that happening unless 1) we inherit a bunch of money or 2) my husband works another 15 years (minimum) AND the stock market behaves. He has a good job, we have a nice, recently remodeled home plus a small vacation cabin, and we have an emergency cash stash. I dont want to have to buy a new car for a few years because we pay cash for cars and I dont want to see the emergency fund take a nosedive. Good thing I love my 10 yr. old minivan! Anyway, how much do you think it takes to be financially free? ~K

A:Youre concerned about how many digits sit in front of your six $0s and how the stock market behaves. Your husband is employed, you have two homes, a car and an emergency fund in place. In many peoples eyes, you already have financial freedom!

There is no one-fits-all magic financial freedom number. To some $50,000 sounds like a dream come true and to others 50 million wouldnt be enough. To lots of people Ive come across, simply breaking free from their paycheck to paycheck existence, or the shackles of debt repayment, or sleeping well at night because they have an emergency fund and a contingency plan in place is enough to make them feel financially free. Personal finance is called personal because it is so, well, personal.

Traditionally, many define financial freedom as having enough passive income that you no longer need to work; your passive income covers your living expenses. Funny thing with this definition is that there are so many variables contained within: What do you consider passive? Is it investing in CDs, stocks, or a business? How about getting paid for work that you love so much that you would do it even if you didnt get paid? What are your living expenses? Can they be reduced substantially? Can some be eliminated entirely? What if you sold your home(s), invested the equity, and moved to Mexico or Thailand or somewhere else where living expenses are dramatically less than in the US? Again, so much of this is personally defined.

My husband and I consider ourselves financially free because our family hasnt set an alarm clock in years. Whether it be work, parenting or play, we wake with the sun, eager to spend each new day doing whatever we choose. This definition affords us the flexibility we value, therefore, regardless of the exact numbers on our net worth statement, we have enough.

Q:CarA writes, I love your entire story! Youve made some great moves throughout your life. Im curious, how hard (or was it all hard) to talk your husband into selling your home? Did he just have complete faith in you? Or was it a joint effort? Just curious because you said so many around you were skeptical of selling your home to rent.

A:Ha! It was INCREDIBLY difficult for my husband to jump on board with my plan. Id crunch the numbers, craft reams of brilliant spreadsheets and grinning from ear to ear, Id enthusiastically share my financial freedom plan. Hed remark (skeptically),If its really that easy, why isnt EVERYONE doing it, Jen?I think the biggest obstacle for him was getting over what everyone else would think about our choice to rent. We sold when the market was hot and everyone thought real estate was THE best place to invest. Remember the days when the mantra was real estate prices may flatten but they never go down? Our friends and family questioned my logic. Fortunately Im not easily deterred and my husband trusts me. But it took a lot of effort on my part to show him the numbers in such a way that he got it, too. And he had to get over his concern about what others thought about it. I gave him the time and space to deal with those issues and I reminded him that renting didnt need to be a permanent choice.

Today he recommends renting to all his friends. I think he loves looking so smart for getting out before the market crashed 🙂

Q:I follow your blog and love all the insight you share with us. Lately, there has been a lot of talk about inflation and hyperinflation heading our way in 2010. Can you offer us some in

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Next Insurance an insurtech targeting small busesses scor $83M SeriB led by Redpot TechCrun

Next Insurance, the Israeli digital insurance startup that helps small businesses get cover, has raised a significant new funding round, adding another $83 million to its balance sheet.

The Series B round is led by Silicon Valleys Redpoint Ventures, and will be used by the company to continue expanding across the U.S., where it now operates as a full service insurance carrier. It will also increase headcount in both its Israel and U.S. offices.

Founded in 2016 with the aim of becoming a one-stop insurance shop for micro and small business insurance needs,Next Insurancedesigns insurance plans for business sectors that are often overlooked by more general insurers.

Small business owners often rely on price comparison websites to figure out what kind of coverage they need and where to buy it, though that means the plans they get dont always cover all their needs. The other option is to use a broker but that also adds another middle person.

The complexity of the small business insurance market is very significant and this leads to a situation where even the largest insurance providers own less than 10 percent of the small business market, founder and CEO Guy Goldsteintold TechCrunchwhen the company raised its Series A. This offers us huge growth potential as we aim to specialize in and become a market leader in each small business vertical.

The small business sectors where Next Insurance offers general and professional liability insurance currently includes contractors, fitness, cleaning, beauty, therapy, entertainment, and education. It lets you buy insurance instantly at what it claims is very competitive prices and with no hidden fees. In addition, now that Next Insurance is a licensed carrier, it is able to write policies independently, with what it says is more freedom over underwriting, setting prices, and configuring policies.

Moving forward, the company plans on adding further lines of insurance, on-demand coverage, and ensuring that claims are paid within 48 hours. It is also hoping to develop more sophisticated uses of AI and machine learning to improve the customer experience and streamline the insurance purchasing process.

To that end, Goldstein says Next Insurances Series B is a monumental turning point in the companys history, describing growth over the last two years as exponential. Hyperbole aside, the company does appear to have found market fit, as evidenced by the size of the round and how many previous backers followed on.

The Series B Round brings Next Insurances total funding to $131 Million in just two years. Other investors that participated in this round include Nationwide Insurance, Munich Re, American Express Ventures, Ribbit Capital, TLV Ventures, and Zeev Ventures. Elliot Geidt, Managing Director of Redpoint Ventures, will join the board of Next Insurance.

More broadly, the insurtech space is rapidly heating up in recognition that the insurance sector, both consumer and B2B, is still yet to be fully digitised, especially in a mobile-first world. In the U.S., consumer home insurance app Lemonade has been grabbing most of the headlines, not least after itraised $120 millionin a round led by Softbank.

Gone are the days of complicated, unreadable policies, exclusions that leave entrepreneurs vulnerable, and endless meetings and phone calls with insurance agents who dont understand the nuances and needs of different classes of business, adds Goldstein in a statement. Small businesses are the backbone of the U.S. economy, and they deserve insurance policies that are simple to access, affordable to own, and which provide them the support and confidence they need to thrive.

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Next Insurance closes $83m Series B funding round

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Next Insurance closes $83m Series B funding round

Next Insurance, the leading digital insurance company for small businesses, announced today that it has raised $83 Million in a Series B Round.

Led by Redpoint Ventures, this funding will enable Next Insurance to continue its expansion throughout the US as a full service insurance carrier, push boundaries for handling claims, offer coverage to many more classes of business, and significantly grow internal operations in both the US and Israel. The Series B Round brings Next Insurances total funding to $131 Million in just two years. Other investors that participated in the round include Nationwide, Munich Re, American Express Ventures, Ribbit Capital, TLV Partners, SGVC and Zeev Ventures. Elliot Geidt, Managing Director of Redpoint Ventures, will join the board of Next Insurance.

We are at a monumental turning point in our companys history, said Guy Goldstein, CEO and Co-Founder of Next Insurance. Our exponential growth over the last two years has proven that small businesses have been overlooked and underserved by the insurance market. Gone are the days of complicated, unreadable policies, exclusions that leave entrepreneurs vulnerable, and endless meetings and phone calls with insurance agents who dont understand the nuances and needs of different classes of business. Small businesses are the backbone of the US economy, and they deserve insurance policies that are simple to access, affordable to own, and which provide them the support and confidence they need to thrive. Our goal is to become the one-stop-shop for all small business insurance needs, no matter where they are.

We are thrilled to be partnering with Next Insurance as they build the first small business-focused commercial insurance carrier, said Elliot Geidt, Managing Director of Redpoint Ventures. Next Insurance is fundamentally reshaping the way that small business insurance is delivered, providing an elegant product experience and lower cost offerings. Their combination of underwriting depth, digital product sensibilities, and vision has cracked the code of small business insurance and weve joined them to continue to enable their incredible growth.

The closing of this round comes on the heels of Next Insurance announcing its new status as a national insurance carrier. Next Insurance is currently a licensed carrier in Delaware, Oklahoma, Arizona, North Carolina, Texas, New Mexico, Maryland and Utah, and is rapidly expanding to all 50 states. As a carrier, Next Insurance is now writing policies independently, with far more freedom over underwriting, setting prices, and configuring policies, providing entrepreneurs and small businesses insurance that is simple, affordable, and tailored to their specific needs.

Next Insurance champions technological innovation never before seen by the small business insurance market, and these funds will enable the company to become the preeminent insurer for all small businesses, offering additional lines of insurance, claims paid within 48 hours, on-demand coverage, and more sophisticated uses of AI and machine learning to improve customer experience and streamline the insurance purchasing process.

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Numbuh One, also known as Nigel Uno, is the bald, British leader of the Kids Next Door. His own father was once the KNDs greatest agent, Numbuh Zero, and now Numbuh One spends his time devising elaborate plans for world domination that are just too cool not to try.

Hoagie P. Gilligan Jr may have some nerdy hobbies (like collecting cards) and a massive appetite, but hes smart enough to be the creator of the KNDs wacky flying vehicles and weapons – including Sector Vs tree-house.

Kuki Sanban is a cute, happy-go-lucky girl who will do anything to help the KNDs cause… just as long as she can remember what that thing is! She also has a great love for and extensive knowledge about Rainbow Monkeys.

Numbuh Four, real name Wallabee Beetles, is always the first to rush into things and the first to ruin them. Hes also easily fooled – ending up with him volunteering by mistake for the most dangerous KND missions!

Abigail Abby Lincoln only speaks when theres something important to say, and always keeps her cool. Shes one of the few Kids Next Door who has any common sense.

Five heroic 10-year-olds have formed a secret team called the Kids Next Door with one dedicated mission: to free all children from adult tyranny!

Kids Next Door are a team of secret agents who want to rule the world! Dont we all? KND are led by Numbuh One, otherwise known as Nigel Uno, whose father was once the greatest KND agent. The other KND team members are the nerdy Numbuh Two, AKA Hoagie P. Gilligan Jr, cute and cheerful Numbuh Three, AKA Kuki Sanban, dim and daring Numbuh Four, AKA Wallabee Beetles and cool and collected Numbuh Five, AKA Abigail Abby Lincoln. Together, these forceful five characters make up the Kids Next Door team, using their super skills to overcome a horde of baddies and make sure all is right in the world.

Next Door Window

Next Door and Window is a family owned and operated window and door replacement company since 1947. We offer many different window brands such as Marvin, Integrity by Marvin, Infinity by Marvin and Sunrise. Doors by Albany and Provia. We have thousands of options, colors, and styles to find the best window and door for your home and budget. All of our windows, doors, and trim are available pre-painted or stained for the ultimate hassle-free experience.

Quality installation is a key, so having quality installers is critical. We have company-trained, certified, and professional installers. Upon arriving at your home, you will feel confident that your project will be done professionally and safely by our skillful installers. Their attention to detail is why we have such a high satisfaction rate.

When the work is complete, all you have to do is sit back and enjoy the new addition to your home. We have already cleaned up everything. We are confident that you will be happy with the results just ask our thousands of repeat and referred customers. We also received The Complaint Free Award from the Better Business Bureau and have thousands of thank you letters from our satisfied customers.

Our business relationship does not end after the product is installed. We will be here when you need us. This has been our family tradition since 1947.

We stand behind our product and installation. With all company-employed technicians and thirty trucks in the field, we are able to give prompt and dependable service. When it comes time to schedule a service call we give a precise appointment time and we will be there. We have expertise in all of the areas of window, entry and sliding doors, so we will do everything within our means to make sure the service is complete.

GuildQuality customer satisfaction surveys enable homeowners to rate their contractor on a scale of zero to four (with zero being the worst and four being the best) in all sorts of categories. Our members can publish a summary of those answers here on their profile page, displaying a bar for as many or as few questions as they like. The score for each category indicates the percentage of survey respondents who answered a three or four to that particular question.

Learn more about the feedback published on this page.

Of 4,915 customers surveyed, 2,950 responded (60%)

All project locations are approximate

We display two types of written homeowner feedback on GuildQuality member profile pages: Comments and Reviews.

In response to our customer satisfaction surveys, homeowners share lots of comments about construction quality, communication, or any other question asked in the survey. Guildmembers can selectively publish these comments here on their profile page.

Reviews are different than comments. These are star ratings that homeowners ask us to publish, and they come with a written description of the type of experience they had working with their contractor. We publish all of the reviews we receive: positive and negative alike.

Learn more about reviews and comments.

Arlington Heights, IL, on Jul 10, 2018

Next Door & Window designed a product to fit my requirements. The manufacturing process was timely and they sent me occasional e-mails to keep me appraised of the progress. The installation date was as we agreed, and they did a very professional job and cleaned up completely after they were finished.

– Knowledgeable- Low key and not pushy in any way- Nice selection of products to choose from for our home- Great follow through from support staff on the timeline of our order from start to finish- Installation crew were quick, neat, professional and did a fantastic job on the installation and clean…

Great company to work with from the start of them coming out to the home through to installation. Very pleased with Ron and his staff from Next Door & Window. Keep up the great work!

My installer was very professional and did a wonderful job

The installation was perfect, no mess done on time he left the area cleaner than before he arrived. We will be getting a picture window replaced on a 1921 vintage house and I hope he is still with you at that time

Knowledgeable, professional personnel who helped us select a quality product at a reasonable price.

Used them to replace our windows about 10 to 15 years ago.

My windows were so old that I could not replace just one. It was a whole window wall of three stationary windows above and three awning windows below. It was almost a custom job. I just love my new awning windows. They are so easy to operate. The men were so nice. They worked all day. Cleaned…

Great company! Keep up the awesome work! Will definitely promote your company and will use you again when we replace our windows.

Everyone we came in contact with from start to finish were exceptional employees (from when we visited the showroom to our salesman, to the person who came out to measure, to the installers). All were professional and answered our questions. We were extremely satisfied with our salesman Tony.

As a GuildQuality Guildmember, Next Door & Window relies on our customer surveying to help them deliver an exceptional customer experience.

We have surveyed customers on behalf of Next Door & Window in Naperville, IL; Aurora, IL; Downers Grove, IL; Wheaton, IL; Chicago, IL; Orland Park, IL; Burr Ridge, IL; Plainfield, IL; Arlington Heights, IL; Bolingbrook, IL; and 231 other cities in Illinois and Idaho.

In this report, Next Door & Window has published a summary of the customer feedback theyve received since they joined GuildQuality in January 2010. In that time, 2,950 out of 4,915 customers (60%) responded to a GuildQuality satisfaction survey, with the most recent response in July 2018.

Next Door & Window surveys all of their customers shortly after the completion of work, and their feedback appears in the summary on this page.

If you are a Next Door & Window customer, and if Next Door & Window completed work for you after January of 2010 but you havent yet received a survey,.

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Marc Held presents Next Level Appar

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Marc Held of Bodek & Rhodes will be presenting their Ultra Club Styles 8445, 8413, 8415 and Next Level Apparel.

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This Ladies Deep V-Neck T-Shirt by Next Level Apparel is loved by everyone who wears it. A cotton-blend composition, it is made up of 60% combed ring-spun cotton and 40% polyester jersey, which makes for an ultra soft and comfortable fit that is irresistible to the touch! Perfect for everyday wear for the majority of your tasks and activities, this coveted top will become the most versatile piece in your wardrobe. No need to worry about throwing it into the wash as its highly elastic fabric construction retains its shape! Additional features include 1×1 baby rib-knit set-in collar and a fabric that is laundered for reduced shrinkage. Tear away label and superior screen printing quality. This model, made with a slightly heathered appearance, comes in 25 fun colours.