The pros and cons of the Cowboys drafting Will Hernandez – Blogging The Boys (blog)

Blogging The Boys (blog)

The pros and cons of the Cowboys drafting Will Hernandez
Blogging The Boys (blog)
Would it be a good idea or a bad idea for the Cowboys to draft Will Hernandez? By Ryan Ratty@RyanRattyNFL Mar 18, 2018, 2:00pm CDT. Share Tweet Share. Share The pros and cons of the Cowboys drafting Will Hernandez. tweet share Reddit Pocket Flipboard

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Why I Gave Up My 401k To Travel the World

Since I was a teenager, I knew I would be the most unemployable employee ever. I was/am stubborn, impulsive, and a ball of risks waiting to explode. You see, it’s not the concept of a 9-5 that scares me. Heck, I’ll work a 9-9 if it meant I could live my life on my own terms.

It’s the idea that someone else could dictate when I should start work, have lunch, how I should dress, behave, and ultimately be valued monetarily.

As a woman especially, stating my value used to terrify me. But the minute I started using my worth as a sword to lead with, I realize sitting in a cubicle staring at a screen saver of the place I SHOULD BE, wasn’t cutting it.

I had a salary job at a prestigious office in Beverly Hills. A little over two years of faking sick to use my sick days, combining personal and vacation days, I knew it was time. I said goodbye to my stable salary, my reliable bi-weekly direct deposit, my full health and dental benefits, and the 30-something-year-olds “I’ve made it” signature item….my 401k with a 6% match. I know, Im nuts.

I sat there typing a letter to my boss. I really loved the company and my co-workers. This was nothing against them. Trying to explain that you feel trapped behind a desk while telling someone you love your job, but you love travel more, is a hard thing to do.

To many of my co-workers and friends, experiencing culture meant going to that authentic Indian restaurant on a Friday night and ordering something they couldnt pronounce. That wouldnt work for me. I wanted to take in the sights and sounds of Mumbai as I was whisked along the dirt roads in a Tuk-Tuk, have dinner in someones home and dance the night away at a chichi bar.

My boss was a 60 year old man with values, who worked hard for everything he had and truly valued his employees. I felt bad. I felt guilty. He offered me more pay, more time off (from 7 paid vacation days to 9)….I needed 900 days.

I had to say no. I couldn’t live with regrets. I would always be wondering how Paris would feel in October instead of printing reports in the stagnant air of the copy room. I wanted to breathe the air in Thailand while taking in the view of Phi Phi Island instead of the back of my coworker’s monitor.

I said goodbye that day (well my two weeks notice) and never looked back.

I had to find a way to make a living on the road, and our travel blog (my boyfriend at the time, now husband) had already gotten pretty popular, so we decided to make that our work as we traveled.

Now, it’s not all fun and games. Travel blogging is endless hard work, disappointments, struggles, and obstacles that weve gone through and still are going through.

Our parents still read the newspaper, don’t trust “the internet” and think travel is still reserved for the 1%. Try explaining travel blogging!

Even though we spend well over 40 hours per week pouring our blood, sweat, and tears into this blog and our freelance work, it doesnt usually FEEL like work. We dont feel like our brains are leaking out of our ears as we sit in a cubicle completing monotonous tasks over and over. Theres no boss to answer to, or workplace drama to worry about. We are the boss, and it feels AMAZING. Sometimes we miss that bi-weekly direct deposit that comes with having a boss, which bring us to the next topic.


Just to clarify, we dont actually get paid money to travel places (most of the time anyhow). Although as a travel blogger thats obviously the ultimate goal, its one that is extremely difficult to achieve, and takes a really long time and hard work to attain. We have however, achieved the goal of getting to stay places in exchange for exposure. We dont like saying, getting to travel for free, because we still have to do A LOT ton of writing, photography and social media posting in exchange, and typically always still have to pay for our flights, transportation, and sometimes our meals. We pay for those things with the money we make writing for other publications, and sponsored content on our site and social media, but it still adds up.

In order to be an actual travel blogger, you have spend money at first. How else are you going write about traveling, if you arent actually traveling? Weve spent more money on traveling than weve made from it.

As with most freelance work, we are never guaranteed a paycheck. Some brands and advertisers pay the day after you work, sometimes you have to chase them down. Some offer direct deposit or PayPal, other times you have to wait for a check in the mail. Often we write articles in hopes they will get published, and then they don’t get published at all.

Every month is different. Sometimes we land a great gig and are storing money away to go on our dream trip, other months we wonder if its all really worth it. We have to have a large savings account and make sure we have as many streams of income as possible.

The truth is, we dont make that much money. But we are happy. We could have easily stayed at our steady-monotonous-cubicle-401k jobs, but getting 7 days off for vacation a year seems like torture. We make less, we travel more, and we make our own schedules.

How much we make in any given month depends on luck, and how motivated we are.

We get paid in a variety of different ways. From advertising on the blog itself, to freelancing, social media consulting and managing, sponsored social media campaigns and sponsored blog posts, ongoing campaigns as brand ambassadors and strategic paid partnerships, and the occasional paid press trip, those are just some of the ways we get paid.

Its wonderful not to have a boss anymore and to be able to work for yourself but can you trust yourself to do the work when someone isnt asking you or paying you to do so?


We love our laptops, iPads, phones, especially since its what allows us to do work from anywhere in the world. We spend the majority of our time staring at a screen, so don’t take it the wrong way we when forget to look up sometimes.

These days some people can just look like models on Instagram standing in a beautiful place and call themselves a travel blogger. We are actually still very much into the writing portion. Tiana wrote for her college newspaper, and has always dreamt of being an author. It takes us about 5 hours or more to just DRAFT one blog post, let alone edit it, review and rewrite parts of it. Then figure out what photos to use, edit those, add links, research keywords, and publish several a month for our own blog, on top of that writing for other sites that will pay per article.

Professional travel blogging is hard and a big commitment. We worked on our blog for 6 months before anyone even shared an article. 3 months before we got ONE comment. Imagine walking through your office and people don’t acknowledged your work there OR pay you. You just keep going to work for months hoping to be noticed and paid eventually. It takes dedication.

I think most people fail because they dont realize the commitment involved in it. Depending on how much time and effort you dedicate to it, it could take YEARS. Think you have what it takes? Start a travel blog with our step-by-step guide.

There are a lot of seasoned travel bloggers are doing amazing things, but there are plenty of bloggers out there who are ruining our reputation as a whole. We work together to show brands that bloggers are valuable and are worth investing in. Whenever we work with someone, we make a point to exceed expectations. Brands may work with one bad egg, and it shuts the doors for everyone.

Travel Trouble

Travel woes dont phase us anymore. The marketing manager is off on the weekend and forgot to put us in the system? Arrested on a train? Luggage lost? No problem. We constantly have bad luck when we travel, but it doesn’t stop us. You learn to go with the flow, have a back-up plan and in the end it makes us better, and smarter travelers.

We have been home in LA for exactly two weeks. We have had back-to-back trips that we are seriously behind on posting about. We are not complaining, because we just returned from New York, Portland, Abu Dhabi and South Africa. Our living room is literally a minefield of suitcases and travel cubes.

Sometimes we miss birthdays and weddings, don’t see an important status update, don’t know your kid was sick and you got a new job. We care. We really do. We just have 6 jobs rolled into one and they are ALL on our devices. We make money on the internet. The same place you go to vent and play games is our office. Don’t be offended.

To Our Friends & Family

As bloggers, sharing our posts and photos means the world to us. It’s the virtual pat on the back we all crave. It’s hard to explain this to friends and family. They scroll past our posts with an occasion like and that is it. We have usually anywhere between 30 to 100 comments on any given blog post. NONE of those are from friends or family. We have strangers leave paragraphs of questions and compliments. It the virtual thumbs up and “good job” we love, we just wish it came from people we knew sometimes. We see you sharing that dancing cat video, can you share our posts? Yes, we are unashamedly begging for attention. In our case, it pays our bills.

Since we started travel blogging we have made some amazing friends. We are closer to some of these virtual friends than we are our real life friends. We can message our blogging friends at 2am and ask how to fix a glitch on our site, or meet for lunch and discuss blog design. We help each other work with brands and plan on going to conferences together. We compete for spots on press trips, sponsorships, partnerships, and speaking gigs. We compete for funding to be spent on us. We love each other and support each others blogs and endeavors, even if we have a tinge of jealousy when we land amazing press trips the other doesn’t.

Social Media Runs Our Lives

When Facebook first came out, and we had to sign-up using college email addresses, we would have never imagined that our careers would revolve around spending hours creating and executing the perfect social media posts on it. Back then, social media was still just for fun and keep up with old friends. Now its the most powerful marketing tool in the world. We barely have time to keep up with our personal Instagram accounts, because we are so focused on the business account.

Instagram is a job to us,so we spend hours planning, editing the photos, writing the caption, researching hashtags and ideal posting times. It’s more than just picking a filter for us. Our likes and comments are our livelihood. No one wants to work with a blogger with 12 likes and no comments. We have been invited on press trips JUST for having 11,000+ Instagram followers.

We have to remember that a sunset on the beach looks beautiful and you want a horizontal photo for the blog but you NEED a vertical shot for Instagram and Pinterest.

It’s hard to remember to tweet, Instagram, Pinterest, Snapchat and Periscope where you are and still try and enjoy the moment. Sometimes we need to unplug.

It Is Amazing Being a Travel Blogger

If we are making travel blogging out to sound like it’s a soul draining endeavor, it’s not entirely true. We often have to sacrifice days at the beach in Hawaii for writing a blog post, or editing photos instead of going out on a Friday night.

We miss the reliable paychecks, and the stable feeling of a 9 to 5 sometimes, but hey, our meetings are no longer in a conference room, but instead, for example, on a Skype call in Cape Town.

In the past 18 months, weve gone swimming with great white sharks in South Africa, hiked through a gorge in Portland, took a cable car up Table Mountain, went diving at Molokini Crater in Hawaii, spent the winter teaching English in Germany, drank craft beer in Denver, ate at amazing food trucks in Austin, spent a week in Mexico, ate a Cajun Thanksgiving in New Orleans, had a luxury getaway in Santa Barbara, ate brunch at 13 places in Los Angeles, and spent a weekend unplugged in upstate New York, just to name a few.

These adventures are the result of all the hard work we put into travel blogging. Weve found a way to get paid for our favorite hobby, and do so while following our dreams of traveling the world.

P.S. – Hello from Cape Town, South Africa.

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Finest 8 Ways to Get Wealthy Enough from the Cryptocurrency Industry – Ethereum World News (blog)

Ethereum World News (blog)

Finest 8 Ways to Get Wealthy Enough from the Cryptocurrency Industry
Ethereum World News (blog)
As each person aims to earn money and be wealthy enough, doing that from cryptocurrencies, on the 21st century seems the best and easiest way. Consequently, as trying to give you a hand, in this article I am going to reveal some of the best ways on

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Could the Colts/Jets trade mean Indy will pursue David Irving? – Blogging The Boys (blog)

Blogging The Boys (blog)

Could the Colts/Jets trade mean Indy will pursue David Irving?
Blogging The Boys (blog)
It's been widely debated about whether the Dallas Cowboys should have placed a first- or second-round tender on David Irving, but that mystery was removed on Wednesday when the team opted for the second-rounder. With the Cowboys unable to commit long

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Markett will get people paid to talk about their favorite tech companies

Franky Bernstein loves startups. His latest company, Markett, is born out of that love, and his innate desire to share tips about those innovative new startup companies with the wider world.

The 24-year-old serial entrepreneur first was bitten by the entrepreneurial bug while attending Loyola Marymount University, where, as a representative in student government, he began looking for a way to cut down on drinking and driving among the student body.

He found Uber. The ride-hailing service embraced the idea of a promotional deal for LMU students and Bernstein became a commission-based ambassador for the student body.

From there, Bernstein expanded his network, building a team of student ambassadors for the companys ride-sharing app that were making hundreds then thousands of dollars per week.

That exposure led to the creation of Markett, Bernsteins latest venture that connects everyday users with brands and gives them a way to make money by shilling for the companies they love.

After working with Uber, Bernstein reached out to Lyft and talked to Josh Renfro, the director of business development there. Working with Renfro, while still a student, Bernstein helped train thousands of brand ambassadors nationwide and even converted several Lyft drivers into brand advocates.

Working with Uber and Lyft planted the seed of entrepreneurship, says Bernstein.

Indeed, Bernstein was so inspired by his brush with the startup world that he launched his own company. Bernsteins first foray into the wild world of startup businesses was Interwallet (now called Maya), a bill-pay kiosk network for the underbanked.

Now, with Los Angeles-based Markett, Bernstein wants to give everyone the same opportunity he had the ability to make money talking up the new startup services that they love.

We want to be the largest marketing company in the world that doesnt spend any money on marketing.

— Franky Bernstein, chief executive, Markett

Being able to work with Uber and Lyft isnt easy to do, and I want to provide more access to that, says Bernstein. Beyond that, Bernstein wants people to be able to make money talking about the products they love and give brands an opportunity to achieve more of a direct relationship with their customers.

To achieve that vision the company has raised roughly $2 million in venture financing from investors, includingKEC Ventures, Amplify.LA, Luma Launch, Wavemaker VC, Tiller Partners, Building Blocks, and angel investors like Jamie Patricof, Michael Kane, Joseph Varet, Varun Pathria and John St. Thomas.

With the companys launch, ambassadors can sign up to work with venture-backed companies like Airbnb, ThriveMarket, FanDuel, The Bouqs, Zeel and Winc.

Bernstein chose those companies because of their approach to their customers and their willingness to reward their brand ambassadors.

Every consumer brand wants to increase word-of-mouth marketing and explore alternative marketing channels to Facebook and Google, Bernstein wrote in an email. Markett is seeking to redistribute a piece of these brands ad budgets and put it into the pockets of their loyal customers.

Markett isnt the first company to try this approach. A company called BzzAgent launched in 2001 to bring brand ambassadorship to the masses. The company, which raised around $14 million in venture funding, was acquired in 2011 for around $60 million.

The legacy of the viral marketing campaign remains but for Bernstein its not about marketing its about truly connecting power users to the companies they love, and having those companies reward their everyday spokespeople for the work theyre doing.

To ensure that he achieves this vision, Bernstein has committed to giving nearly 100 percent of the marketing budgets that Marketts partners spend on the program to the Markett marketers. Any profits are dedicated to bonuses, Bernstein tells me. Eventually, the company intends to take a cut of every transaction.

We want to be the largest marketing company in the world that doesnt spend any money on marketing, Bernstein says.

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Suicide Squad Kinda Sucks. But Hey, So Does 2016

In the weeks precedingthe release of Suicide Squad, things got bad. TheRepublicans and the Democrats staged their conventions. The RNCplayed out like free-association improv where the given word was always “terror”; the DNC offered more hope (or at least balloons), but not enough. Zika struck Utah. A rampage hit Dallas. A coup erupted in Turkey. And that was only July. The entireyear has been like this, and there’s still so much more of it to go.Surely no one appreciates this more than writer-director David Ayer, who arrivedat Comic-Con International wearing a “Make Mexico Great Again”hat clearly meant to mock Donald Trump’s foreignpolicy and choice of headwear.

That’s because no movie released this summer feels more of the moment thanAyer’s Suicide Squad. Not The Purge: Election Year with its on-the-nose title; not Jason Bourne with its buzzword-y Edward Snowden talk and inexplicably successful Internet companies. No, it’s Suicide Squad with its slightly upside down (or at least askew) moral compassandmessy delivery that feels like theright movie for right now. Does opening up your Facebook feed feel like falling into fatalism? Suicide Squad is here to catch youfor better or worse.

This inno way is meant to suggest thata bullet-and-cameos orgy from DC’s burgeoning cinematic universe will make a ripple in the national conversation, let alone spark a substantive one. In fact, its obsession with firefights(an Ayer specialty)couldnt come at a worse time. But if you’re growing bored of Pokmon Go and looking for a new distraction from the fact that 2016 has been simply atrocious, amovie about a group of ex-cons who turn out to be heroes might be what you needand even if it’s not, it’s what you’re getting.

Suicide Squaddoes more than offer a things-could-be-worse diversion. It taps into thepredictable 20-years-later nostalgia forthe ’90s. Witha soundtrack offeringsomething for every generation since the boomers (shouts to K7!), it’s the kind of grotesquely energetic comic book movie that harkens back to, I dunno, Tank Girl maybe? (Before you yell “Deadpool!” in the comments: I know. But while the two sharea certain level of not-kids-stuff, Squadhas agraveness Deadpooldoesn’t.) Remember when MTV played music videos and some movies felt like long videos? Well, here, just in time for MTV’s promise to bring back Daria, is atwo-hour music video hosted by ’90s hero Jared Leto, starring as the dude who grew up into the kinda guy Angela’s momworried he would. (Yes, he has a tattoo on his face, who cares?! God, mooooooom.)

Actually, let’s talk about the Joker for a second. Leto is now the third Oscar-winner to play the iconic villain, one of whom won his Academy Award for playing the Joker. The role’s been played so often and so well thatit’s almost sacrosanct. So does Leto do it (ahem) justice? Yes, actually. He doesnt eclipse Heath Ledger, who had muchmore to do in The Dark Knight, but youcan sleep well knowing Margot Robbie (the Harley Quinn to his Joker) didn’t have to put up with live-rat delivery for nothing. Leto has the fully unhinged, vaguely pansexual, your-uncle-who-grew-up-on-Adam-West’s-Batman-won’t-get-it goodseven if it feels like a lot of itgot cut from the final film.

Which brings us to Suicide Squad’s other very-now ingredient: women! Holy shit, there are so many women in this movie you’d think it was directed by Paul Feig or from the studio that’s really trying to prove female superheroes can make money next summer. Granted, not all of the women are treated fantastically in this film (Clothes That Actually Look Like Margot Robbie Could Fight in Them for President). But the female heroes in the Suicide Squad outnumber the heroines in the first Avengers movie 2-to-1, and atatime when female heroes are just starting to ekeout aplace in tentpole franchises, that looks like progress. And hey, theres still a chance we could get a more well-rounded Quinn if that Robbie-produced mostly-female spin-off actually happens.

If all of this sounds like faint praise, it is. Just because a fun-but-scattershot mess of a movie helmed by an exceptionally charismatic Will Smith feels like the perfect end to a mess of a summer, that doesnt make it good. And while Im seemingly in the minority of people who actually liked Suicide Squad, the criticism is valid. It’s not without its flaws (it feels pieced together, mostly because it was), and 10 years from now it’ll be a trivia night answer rather than canon. But in this summer, with its lackluster movies and generally terrible national affairs, it fits right in. And while being better than Batman v Superman: Dawn of Justice isnt a compliment, it is that. Easily. Ayer finds depth in his DC characters that Zack Snyder so far hasnot.And what it says without saying it is that sometimes good deeds come out of shitty circumstances.

In a world of flying monsters, as Squad mastermind Amanda Waller (giving-it-her-all Viola Davis) notes, this [squad] is the only way to save our country. Thats a good motto in a comic book universe where antiheroes with names like Diablo can channel their fiery rage to do good and the cities arerebuilt before the next sequel. Outside the theater, thats not the case. Bad guys cant save anything in the real world. But in Suicide Squad, they can maybe kind of distract you from itit aint much, but its the most heroic thing they can do.

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6-Figure Blogging “Still A Reality”, Says Network Marketing Expert – Digital Journal

6-Figure Blogging “Still A Reality”, Says Network Marketing Expert
Digital Journal
FLORISSANT, MO – March 16th, 2018 – Some think that blogs have ran their course – but a leading network marketer begs to differ. Mr. DeWayne Benford, who has five years of experience in the field, recently spoke of the thriving blogging landscape

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Friday Cat Blogging – 16 March 2018 – Mother Jones

Mother Jones

Friday Cat Blogging – 16 March 2018
Mother Jones
There's a chair in our living room near the fireplace mantle. It's a two-foot hop from chair to mantle, but Hilbert treats it like a jump over the Snake River. He gets up on the armrest. He gets his footing. He looks up. He looks down. He thinks about

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Eleven Celebrities on How They Spend Their Money

Lars Ulrich

Drummer, Metallica
Hardwired … to Self-Destruct

Was there a moment when you figured out that music could be a job?
The first moment was in 1986. We had put out our third record, , and we had spent about six months rolling around the U.S., touring with Ozzy Osbourne’s first arena outing. The last show, our manager looked all of us in the eye and told us that we had made enough money that we could all buy houses. That just never seemed like it was feasible, doing the kind of music that we played. And so I guess I’m always a little wary—we were trying not to look at it as a job for fear of losing that spark that keeps Metallica going. But obviously, we have a lot of people that work for us, a lot of people that help us out as a company, and that has to be tended to.

What kinds of people?
For guys who are well past middle age, keeping healthy needs to be respected. We have two employees who take care of stretching us, massaging us. We have a chef. We stay in comfortable hotels. There’s private plane travel. We don’t tour in more than two-week increments, so we go home and see our families, recharge our batteries. Touring like this is not financially efficacious, but if we didn’t tour like this, we wouldn’t tour.

Jenny Slate

Comic, actress

Do you remember your first big paycheck?
—and only because it was consistent. I was making scale.

Was that the first time you felt like you had disposable income?
Yeah. I was like, I can go out to dinner. I don’t have to choose between a bottle of wine or flowers. I can have both. I was aware of all the little pleasures I could have. I can shop at Whole Foods. Instead of buying the prosciutto that’s packaged, I’m getting the sliced one from the counter. That was important to me.

Have you made any big mistakes with your money?
No, I’m not like that. I will say my clothes are where I spend my money, like buying a Marc Jacobs letterman jacket. I panicked when I bought my TV.

Is it a fancy TV?
It’s like $300, but I was just like, Do you need a TV? I’ll never forget how it felt to be a stand-up on unemployment. I grew up a privileged person, but it embarrassed me to have to ask my parents for money, and I don’t want to do that again. I save to the point where my business manager is like, “Jenny, please buy a house.”

Priyanka Chopra

Actress, activist

What was the toughest thing about switching markets as an actress from India to the U.S.?
Educating myself about taxes, immigration law, international law. Where I live, how much time I spend in a particular country, how it’s going to affect my visa. There are so many different ways to go wrong!

How do you manage your money?
I divide it between what I want to save, investments, what I want to spend, and philanthropy.

What’s your best investment?
Land in Mumbai and Goa.

Ever spend money imprudently?
Ten years into movies, in 2013, my mom insisted that I needed to commemorate it. I picked her up, we went to dinner, and then drove to a Rolls-Royce dealer and bought a custom car.

Rufus Wainwright

Wainwright Libre!

With both your parents musicians, did you grow up with the idea that entertainment could be a job?
Yeah, for me it was a family business. But both my sister and I were keenly aware of the realities of the industry and therefore always had to be pretty ambitious and dedicated to get ahead. My grandmother always told everybody, “There is nothing worse than a third-rate folk singer.” () So we grew up with that edict.

What’s the biggest financial mistake you’ve made?
Signing a publishing deal years ago and asking them to throw in a piano. I thought they were gifting me a piano, when in fact I was just paying for the piano. I was confused by the big leagues—financially, it was a no-man’s land. That happens to most musicians. They get screwed by the industry. It’s a rite of passage. Don’t ask for a piano!

Lee Daniels

Director, writer, producer

When did you figure out you could entertain for a living?
When I was a production assistant on . I drove onto the lot and I realized, Oh my god! I’m in! I couldn’t believe somebody was paying me $5 an hour for something I wanted to do.

What did you do with your first check?
I’d made an enormous amount of money prior to becoming a PA, so the money was insignificant. It was about a dream coming true. [In my 20s] I made good money with my nursing agency [which helped HIV patients]. I had a couple million dollars before I stepped onto the set.

What do you wish you’d known about money before getting into showbiz?
That half of it goes directly to the government. And another 20 percent goes to your representatives, so that’s 70 percent of your income right there. You’d better make some money, honey! You’ve got to put $15 of that $30 away for your retirement.

Is that what you did?
No, of course not! That was the learning experience. It took me 34 years to find that out!

Jordan Peele

Director, actor, comedian
Get Out

What advice would you give a kid coming into showbiz?
I’d say, “Don’t make decisions from fear.” Anytime I’ve made a decision or I bet on myself, it ended up being the right decision. Anytime I’m doubting my own worth, it’s become a self-fulfilling prophecy.

When you first got paid, did you do anything obnoxious?
When I was on , I was still living month to month. My obnoxious buy would’ve been an Xbox. You realize the value is in not having a side job. Even today I don’t splurge—I’m the anti-Scarface. All these things you imagined you’d buy—none of those would bring me much joy or peace.

What did you imagine buying?
Props from movies or memorabilia—a nerd collection. At some point, I could let go of the fantasy of owning one of the Gremlins.

Dale Chihuly


When was the moment you realized you could make art for a living?
Until 1980, I taught full time at the Rhode Island School of Design. When the sales of my artwork matched my salary is when I thought I could make a go of it.

What’s the best thing you’ve done with your money?
In Seattle, Lake Union is a “working lake” that serves the fishing and boat-building industries. I got lucky a few years ago, and a famous boat builder was selling his business and building. I was able to take over the building. Boats go by all day long.

What are expenses most people wouldn’t know you have as an artist?
Shipping the glass. One time, a container of my completed artwork was lost overboard in a storm on the way back to Seattle from France. It’s now at the bottom of the Atlantic.

Shirley Manson

Singer, Garbage

What do you wish you’d known about business earlier?
My first lesson, and the harshest lesson—I was in a band when I was young, and we were improperly managed. When I joined Garbage, my first check had to go toward paying a tax bill from my former band. I didn’t receive any of the financial benefits, but I was stuck with the tax bill because I hadn’t been protected. At the time, it felt like my entire profit from all our success was going down the toilet. I had no idea that I would continue to have a career.

That experience must have paid off later on, though, when Garbage blew up.
We were all long enough in the tooth at that time to know that the income we were enjoying would not last forever. When the success came, I was 30. And my band was even older than me. We saw how excited people got by money and success, and we found it mildly repulsive. () We were all prepared for when the merry-go-round comes to a halt.

Any crazy purchases in your heyday?
I have a pair of black boots, which look like ordinary boots, but you know how it is when you see a new pair of footwear: “I have to have.” A stylist had brought the boots to my hotel. I said to her, “I want these boots,” and she went, “They’re very expensive.” I said, “I don’t care.” So I get the boots. I wear them a couple of times. They do nothing for my life. Then I discover they cost $5,000. Every time I look at them, I feel hatred, but I shall keep them for life as a reminder of my own idiocy.



I’ve talked to a few musicians, and they all have a story about getting taken advantage of.
Yes, all musicians do, don’t they? That’s just part of the learning process. Artists are that way in general, because, look, I love what I do. I’m still a little bit fascinated with the fact that people will pay me to do what I love doing so much. The secret is, I would do it for free. That’s why artists get screwed.

Does being from a Mormon background help financially, in that you might be less inclined to fall prey to the drinking and drugs of the musician lifestyle?
I’m much more conservative and spend my time and money in different ways than [my contemporaries].

Have you ever done a calculation? Like, This is how much money I’ve saved not buying drugs.
At these clubs, on my rider, they’re always trying to add booze. I’m like, “No, that’s fine. Pay me more.”

Do you get it?
Occasionally, yeah. Promoters love working with me, because they know I’m reliable.

Jill Soloway

TransparentI Love Dick

What was your lowest financial moment?
With the writer’s strike and the recession, I got behind on everything. I was trying to get hired on . I remember having a great meeting with [executive producer] Michael Patrick King and saying whatever I needed to say to get a writer job. And he said to me, “You don’t really want to work on this show, do you?” And I said, “Of course I do!” And then I didn’t get the offer, and I was so desperate I sent him an email explaining why I would want to work on the show—and still didn’t get the job.

What’s the biggest financial mistake you’ve made?
Twenty years ago, me and my sister and some friends had a sketch comedy show called , and we sold it to MTV. We created a company to deal with this exciting new business development, called Smell My Productions, and we wanted to do it in a way that respected everybody involved, but five people starting a business together immediately becomes cumbersome. The ship tilted before it even got a chance to sail. I tell people, “Having a communal spirit is important, but if you’re going to create something, be aware that the politics of the group are going to present themselves as troublesome way before the creative problems.”

Elisabeth Moss

Actress, producer
The Handmaid’s Tale

When did you first figure out you could make money acting?
I started when I was really young, and when you’re underage, the union is pretty strict about putting a percentage of everything you make into an account that you get when you’re 18. So I didn’t make a ton of money when I was young, but I was aware that it was a job.

What’s the weirdest, most unexpected expense you have as an actor?
You have to pay for hair and makeup. Usually, it’s $500 each. There was a time when I was much younger when I would do my own thing. And then I got a new publicist, and it was like, “Yeah, um, you can’t just go anywhere in your jeans and have your photo taken. That’s not gonna fly anymore.” I’m still like, “Why not? I look great! I love this jacket.”

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Commonwealth Bank CEO Grilled Over Money Laundering

Commonwealth Bank of Australia Chief Executive Officer Ian Narev just delivered the lender’s eighth consecutive record profit. Few seem to care.

Its A$9.88 billion ($7.8 billion) cash profit for the 2017 financial year has been completely overshadowed by allegations from the nation’s financial crime agency that the bank breached money-laundering laws more than 50,000 times and failed to monitor the activities of drug syndicates even after being alerted by police.

Narev opened a packed press conference Wednesday with a 10-minute presentation highlighting the bumper profit, increased dividend, improved customer satisfaction — and a pointed reference to the bank being Australia’s biggest taxpayer. Yet the questions that followed were all about the lawsuit.

Had he offered to resign? Had the chairman asked him to step down? Is the culture at the bank rotten? Did the bank make money from the alleged money laundering? Did staff look the other way due to profit incentives? Why hadn’t shareholders been told earlier? Why had it taken so long to notice drug gangs stuffing automated deposit machines with cash? Was the bank funding terrorists?

“I welcome those questions,’’ Narev said as the cameras flashed. 

A day earlier, he and other senior managers were stripped of their short-term incentive bonuses over the scandal. In 2016, for Narev that was A$2.86 million.

Shares Muted

Despite profit beating expectations, the share reaction was muted. Commonwealth Bank closed 0.6 percent higher compared with a 0.7 percent gain in the wider financial index. The stock has lost about 4 percent since the suit was filed on Aug. 3.

This is the third major public-relations scandal Narev, 50, has faced during his almost six years in the job. The bank has paid A$29 million in compensation to customers who were allegedly given poor financial advice, and has faced accusations it wrongly failed to honor insurance claims to sick clients. A Deloitte report earlier this year cleared the bank of any “systemic’’ problems in the latter case.

After being sharply criticized previously for failing to answer allegations quickly, Commonwealth Bank decided this time around that openness and a degree of humility is its best policy.

“We made mistakes,’’ Narev said, adding that while there were some questions he couldn’t answer for fear of jeopardizing legal proceedings, he intended to be as open as possible with the public. “We’re not going to say every problem has been fixed.’’

Composed Performance

The gist of his response: No, the bank isn’t funding terrorists. No, it hasn’t made any profit from the alleged money laundering. No, there isn’t any evidence of deliberate intent. Yes, reporting processes and compliance procedures will all be reviewed. The bank only learned the full details of the allegations when the suit was filed last week. And any discussions he’s had with the chairman about his future will remain private.

It remains to be seen whether Narev’s composed performance during the almost one-hour barrage will be enough to ward off the threats to his job and further inquiries into the banking sector as a whole. One thing for sure is it’s already having an impact on investor sentiment.

“We’ve had a series of these scandals now,’’ Sean Fenton, a director at Tribeca Investment Partners in Sydney, said in an interview with Bloomberg Television. “I don’t think anyone would say that Ian Narev is not doing a great job driving the profit line of the bank, but both the board and senior management need to look at themselves in how they are setting the culture.’’ 

Tribeca has no plans to change its underweight position on Commonwealth Bank shares, despite the sterling profit figures. “It’s a risk you don’t need to take with a bank that’s a bit more expensive than the others,’’ Fenton said.

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