Netflix Originals next to popcorn stock photo 2

Streaming services have become a staple in many households, even before the pandemic kept people inside. It’s not hard to see why — a relatively small outlay per month gets you unfettered access to more games, music and TV shows than you could ever hope to buy or rent, let alone store on your devices. The monthly costs can easily make sense, particularly if your household voraciously devours content.

How much you’re willing to spend on streaming services is another story. Are you only willing to pay for one or two providers that you know you’ll use every day, or are you all-in? That is, of course, assuming you’re interested at all. If you’re the sort who prefers to hold on to permanent copies of everything, streaming could easily be a non-starter.

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There are cases to be made for and against heavy spending. Many of the best shows are on providers like Amazon Prime Video, Disney Plus, or Netflix. The costs of subscribing to multiple streaming video services could easily be justifiable if you want to watch it all. And if you’re a gamer, a service like Xbox Game Pass Ultimate, PlayStation Now, or Switch Online can give you an instant library. Music services like Spotify and Apple Music can also be easy to justify if you’re constantly searching for hot new albums.

At the same time, there’s little doubt that subscription service fatigue is a very real thing. A $10 fee here or there isn’t much, but it can quickly add up if you’re a completist. If you ditched cable over costs, there’s not much point to paying just as much (or more) for the streaming services that replaced it. And yes, subscription services by their nature leave you with no permanent copies. If you prefer to

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  • After meeting with a financial planner, my husband and I set out to pay off our credit card debt. We did it in six months, and during that time I started earning more money than ever.
  • Our financial planner recommended that I buy a term life insurance policy since I was only protected for $20,000 on my husband’s employer-provided policy.
  • He recommended $1.4 million in coverage for me, which felt high. But after accounting for our standard of living and future financial goals, I went for it.
  • Now, I feel good about paying $70 a month for that peace of mind.
  • Policygenius can help you compare life insurance policies to find the right coverage for you, at the right price »

“Protect, optimize, grow.”

Tom, our CFP, introduced this financial approach on our first call — a simple, three-step perspective that would guide our work together. The idea is that before you can build wealth, you need to protect your assets (through life and disability insurance) and optimize cash flow (in our case, setting up a separate account for my business and hiring an experienced CPA to help with taxes).

We started by getting out of debt

When my husband, Tim, and I first started working with Tom in 2019, we came up with a plan specific to our financial situation. We decided together that we would work as hard as we could to pay off as much debt as possible, then start protecting and optimizing our money. The approach made sense. Clean up the mess we had made in

  • YouTube’s Partner Program lets creators monetize their videos with Google-placed ads. 
  • YouTube pays creators a certain rate based on the type of audience their videos attract, and often talking about money can net an influencer more per view than many other topics, according to finance creators.
  • We spoke with several finance influencers on exactly how much money they’ve made a month, per 100,000 views, and in a single year on YouTube. 
  • Subscribe to Business Insider’s influencer newsletter: Insider Influencers.

This is the latest installment of Business Insider’s YouTube money logs, where creators break down how much they earn.

Attorney Erika Kullberg started her personal-finance YouTube channel one year ago after leaving her job as a corporate lawyer and she now has about 71,500 subscribers.

Though Kullberg’s YouTube channel doesn’t have millions of subscribers, she is still able to earn a sizeable amount of money each month because of her video content and the audience her channel attracts. She films videos about personal finance, passive income, investing, and stimulus-package updates.

The audiences these topics attract are valuable to advertisers, who usually pay more money for an informative business-related video than a vlog-style video. In short: Talking about money on YouTube can make creators a lot of it, according to some personal-finance creators like Kullberg. 

Toward the end of April, Kullberg’s channel was accepted into YouTube’s Partner Program — making May the first month she earned revenue off YouTube, she said. Her channel reached 1.8 million views that month, and her most viewed videos were about the stimulus package.

Business Insider spoke with several finance influencers on exactly how much money they’ve made per 1,000 ad views, per 100,000 views, in a month, in a year, and the most amount of money they’ve earned on a single YouTube video. 

Here’s a comprehensive

The Daily Beast

Photos Show Why Miami Public Schools Could Be the Next Ron DeSantis Coronavirus Debacle

MIAMI—Last week, a few days before Donald Trump revealed he came down with COVID-19, Karla Hernandez-Mats went on a coronavirus safety fact-finding mission in South Florida schools ahead of their reopening on Monday.The president of United Teachers of Dade, the local teachers union, Hernandez-Mats said she and her colleagues conducted surprise inspection visits at 17 Miami-area schools that suggested administrators were still scrambling to put safety measures in place.At Miami Springs Senior High, one of the 17 schools inspected, administrators initially refused to allow her colleague, United Teachers of Dade First Vice-President Antonio White, to enter the building and called a police resource officer on him, the union officials told The Daily Beast.“When administrators act like that, their schools are usually not prepared,” White said in an interview. “That was the case at Miami Springs.”COVID-Skeptical Florida Guv Outdoes Himself, Lifts All Restrictions on Restaurants and BarsFor instance, the school appears to be supplying teachers with alcohol-free hand sanitizer, which may be ineffective in killing coronavirus, the union officials said, providing The Daily Beast with a photo of just that. (The Centers for Disease Control’s COVID-19 guidance recommends people use hand sanitizer that is at least 60 percent ethanol-based or 70 percent isopropanol-based.) Union officials also provided photos showing decals marking 6-foot distance requirements that were already peeling off the sidewalks near the school’s entrance, and desks arranged in such a way that does not allow for 6-foot social distancing.Reached by phone, Miami Springs principal Torossian said he was unaware of police being called on the union official and referred further questions to the school district’s media relations department. Spokeswoman Jacquelyn Calzadilla did not specifically address what had occurred at Miami Springs, but she

TOKYO – Activity in Japan’s services sector contracted for the eighth straight month in September but at the slowest pace since the coronavirus pandemic started wreaking havoc on the economy, a private business survey showed on Monday, in a sign that demand is starting to steady.

The final Jibun Bank Japan Services Purchasing Managers’ Index (PMI) rose to its highest in eight months, coming in at a seasonally adjusted 46.9 from 45.0 in the previous month.

The headline index, while still below the 50 neutral level, was higher than a preliminary reading of 45.6, suggesting conditions were moving closer to stabilisation.


“Overall, there are signs of improvement in the sector, however recovery is far from secure,” said Shreeya Patel, economist at IHS Markit, which compiles the survey.

“Demand across the country remains subdued, with tourism and travel restrictions impeding new work volumes across the service sector.”

The main reading was pulled down by an accelerated decline in new orders from abroad, with surveyed firms citing depressed demand conditions in export markets as well as the closure of clients’ businesses.

People wait at a traffic intersection, reflected on a monitor showing Japan’s Nikkei 225 index at a securities firm in Tokyo on Monday, Aug. 17, 2020. Japanese stocks sank while other Asian markets gained Monday after Japan reported a record economic

However, the survey also showed strong optimism in companies’ outlook for the 12 months ahead on hopes of a recovery in demand, pushing the business expectations sub-index to its highest level of the year.

While job shedding continued for a seventh month, the pace of staff cuts was more modest and neared a neutral level.