ASLDKFJS;L I JUST WATCHED THE VERY LAST EPISODE OF HANNIBAL
THE LAST AND I CANT BELIEVE IT
SO MANY THINGS WERE HAPPENING IN THE LAST FIVE MINUTES AND I KNEW IT COULD NEVER END IN A SATISFYING WAY AND I SAW THE CLIFFHANGER COMING FROM FIVE BAZILLION MILES AWAY AND I KEPT WATCHING AND NOW I’M LITERALLY SCREAMING
HOW THE FUCK COULD THEY MANAGE TO GET SHOT AND STABBED AND FALL OFF A FUCKING CLIFF AND ASLKFJAS;LK AND THE THING RIGHT BEFORE THEY FELL WAS THE GAYEST SHIT IVE EVER SEEN IT WAS GLORIOUS AND FRANCIS WHY DID HE HAVE TO DIE AND AAAAAAAACKJH
Tucked away on the back streets and alleys of Kinshasa lies a thriving market of vendors selling anything and everything you might need to keep a car running. Wander this warren and you’ll find pistons, camshafts, brake rotors and more stacked in tidy piles or laid out in rows.
it’s not that we think windshields have full moral standing akin to humans.
it’s that we recognize that people who have their car destroyed in a riot might have needed that car to take their damn kids to school or commute to their job
how the fuck are you so good at noticing “medications, food, transport and shelter are necessary to life” when we’re talking about food stamps or the ACA and so bad at noticing it when we’re talking about the side-/after-effects of ~*~ revolutionary violence ~*~.
Akaashi: Makin’ my way downtown
Akaashi: Walkin’ fast
Bokuto: AKAASHIIIUIII slow down!!
Akaashi: now im slowing down because if I don’t this loser might get hit by a car because he is in need of constant supervision
Hi there! My name is Tooru or Anna or whatever it doesn’t matter. What DOES is that my dad just lost his job and I may be losing my car. My workplace is 11 miles away from where I live and no bus goes out there. If I want to rent a car or take a taxi it will be $50 Every. Single. Trip. I only get $200 per paycheck chances are all that money will go towards my stupid car trips unless I can pay for it with other money. However, it is possible I could get a car of my own! I have a lot of money saved but it’s not quite enough so I want to do commissions to get there.
TL;DR – Dad lost his job, I might lose my car, I need money to get a new one so I can keep my job. Please help me!
A new partnership between Visa and IBM Watson will give the firm’s Big Blue Watson IoT platform clients access to Visa payment services through the card network’s tokenization offerings.
The partnership, which reflects a wider trend of payments moving into the IoT, could give Visa access to as many as 6,000 IoT client companies by allowing them to provision Visa tokenization into their devices, effectively turning those into point-of-sale (POS) terminals that allow users to pay on-the-go.
In practice, this could create a number of new purchasing experiences. For example, a sensor in a user’s car might alert them when the vehicle needs a part, and then allow them to order the part, pay for it, and schedule an appointment for installation through the car’s dashboard, according to USA Today. Or, a pair of smart sneakers might track a user’s running distance and — after a certain number of miles — remind them to buy a new pair, which they could do on-the-spot through a fitness tracker or app.
Demand for connected device payments will likely rise as market availability increases. BI Intelligence expects the number of installed connected devices will hit 22.5 billion by 2021, up from 6.6 billion today. As those devices get more popular, it’s likely users will expect more robust functionality — including payment services — from them. In 2015, despite limited market availability, 19% of consumers were already very interested in connected device payments. By partnering with IBM, Visa will be able to move into this fast-growing space and fulfill this need as the market expands.
That makes the partnership a smart play for Visa for two key reasons:
It could grow Visa’s volume. Embedding seamless payments is a priority for payments firms. That’s because integrating transaction opportunities into users’ daily lives helps them form habits, and making payments easier increases the frequency of user payments. The IoT partnerships give Visa more touchpoints into consumers’ lives, which could grow purchasing and engagement with Visa. That ultimately strengthens brand loyalty and increases transaction volume, and could grow revenue.
It keeps Visa competitive. Last year, Mastercard launched a smart refrigerator that allows users to order and pay on a touchscreen, and the firm recently partnered with OnStar for car-affiliated payments as part of its IoT payments initiatives. This isn’t Visa’s first play into the space, but the access IBM provides could help the firm scale quickly and begin to capitalize on the growing market fast as its peers try to do the same.
The rapid expansion of the Internet of Things (IoT) offers payments companies an opportunity to expand beyond mobile phones, cards, and point-of-sale devices, to a broad and diverse ecosystem of internet-connected devices.
We forecast that there will be 24 billion connected devices installed globally by 2020, up from nearly 7 billion today. And over 5 billion will be consumer connected devices by 2020, representing a massive expansion of touchpoints that could eventually offer payments functionality.
BI Intelligence, Business Insider’s premium research service, has compiled a detailed report that dives into the budding industry of connected device payments, providing a rundown of the stakeholders driving innovation in wearables, connected cars, and connected home devices. It also gauges the impact of new payment devices on different payments companies, along with how these devices could shift consumer purchasing behavior.
Here are some of the key takeaways from the report:
The Internet of Things is ushering in a new era for payments companies and manufacturers.The rapid expansion of the Internet of Things (IoT) offers an opportunity to facilitate payments beyond mobile phones, cards, and point-of-sale terminals, on a broad and diverse ecosystem of internet-connected devices.
More transactions could eventually pass through connected devices than smartphones. We estimate there will be 24 billion of these devices by 2020, with 5 billion of them being consumer-facing. This represents a massive expansion of touchpoints where payments could be enabled.
Card networks have developed a basic framework to enable commerce in everyday devices. Visa and MasterCard are creating the underlying infrastructure to support the standardization of payments integration and stake themselves out as the key connected payments gatekeepers. Their payment platforms are universal, allowing digital payments to grow without being tied to the success of a particular manufacturer.
Consumer-facing IoT companies have much to gain from enabling payments in their devices, including improving the value of the device, being able to cross-sell products through the device, and laying the groundwork for future opportunities to earn incremental revenue. For payments companies, connected payments offer a new revenue stream and an opportunity to gain market share ahead of competitors.
Wearables, connected cars, and smart home devices will be the top connected payments product categories.
In full, the report:
Frames the opportunity for embedding commerce capabilities in new devices.
Explains how a device becomes commerce-enabled.
Discusses the potential for payment-enabled wearables, connected cars, and smart home devices.
Examines the impact of connected payments on key stakeholders.
To get your copy of this invaluable guide, choose one of these options:
Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you’ll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> START A MEMBERSHIP
Purchase & download the full report from our research store. >> BUY THE REPORT
The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of connected device payments.
So, I’m not sure if this is the best way to organize all of the information but I basically have it divided under three categories: Traveling in general, banking/money, living accommodations, food, misc. tips for Spain. I really hope this helps you guys out!
Also, I will come back to this post later today or tomorrow to add more things that I thought of on the flight back. Enjoy this for now! :)
Traveling in General:
Always carry an extra reusable bag with you because you never know when you might need it.
Change your location to buy cheaper flights, car rental, etc.
Example: If you are renting a car in Italy, make sure you are in the italian website of the company (the link should end in “it”).
Best site to buy cheap flights? skyscanner.es
Flights tend to be cheaper on certain days of the week ex: Tuesday/Monday are way cheaper vs Friday/ Sunday
Buy your tickets either really in advance or buy them right before a trip
Learn to be flexible with schedule.
Stay the extra night in a country if it is cheaper to fly out the next day or leave the country a day early if its cheaper to leave early.
If your flight is leaving really early in the morning, sleep at the airport instead of getting a hostel, hotel, motel, etc. Not only will you save money from not paying for a place, you will also avoid the hassle of getting to the airport early. Getting to the airport really early in the morning or really late at night can be very costly if you have to pay for a taxi (public transportation in some cities starts running late-ish in the morning compared to the time you have to check in).
If you are staying at a hotel, motel or hostel, try to look for one that has free breakfast and then load up when you get breakfast. Don’t steal because the workers are always watching and you’ll end up just embarrassing yourself.
Do a flight comparison, always. If its cheaper to buy single tickets rather than in a package, do that BUT always compare prices.
When I travel, I never pay for a bus, metro or taxi unless it’s absolutely necessary.
You can save money by not paying for those things and you also get to see a city better when you walk around…even when you are lost.
The tourist office of any city always has free maps, so go there for a map! BUT try to avoid doing things they recommend because they usually recommend things that are super expensive and really touristy.
Carry a reusable water bottle so you don’t end up paying for water all the time.
In Spain, you can drink water from any fountain that says ‘agua portable’ and I usually refill mine in the bathroom sink of a bar OR I simply ask the employee behind the bar to fill it for me (only if I’ve ordered something).
If you have been looking at prices for plane tickets too long, the prices might start to go up. I’m convinced some sites just bump the prices after they figure out that you are interested.
Travel in a group because it can be cheaper (e.g. splitting gas money, car expenses, group tickets on metro, group packages) but if there is a place that you want to really visit, DO it on your own!
Leave behind the GPS, use an actual map! Trust me, you will see so much more of a city that way and you will also get to know a city better.
You can do all of the touristy things, but also try to figure out what the locals are into. Ask a friend, relative, etc. for recommendations before you visit the place.
Have an idea of what you want to see in a city but don’t make it all about the plan either. Diverge from the plan once in a while to do things/see things you hadn’t planned on.
Don’t buy too many souvenirs, a post card is good enough.
Take a lot of photos, maybe even too many. Selfies are a MUST!
Don’t eat at places that advertise their food with pictures, usually that type of advertising is geared towards tourists and in my experience, that type of food sucks!
Split meals with a friend in order to divide the cost in half.
Buy coffee, it’s good and usually very cheap in Europe.
Stick with beer when it comes to alcoholic drinks, it’s cheap and you will feel happy but not drunk.
Always guard your keys, always.
Hostels and car rental companies will charge you extra money if you loose the keys.
Check all of the damage on a car before you rent it or sign the paper work for it.
If you want to come to Europe, learn how to drive a stick shift, you’ll save TONS of money!
Some highways in Europe are heavy on tolls, find out which ones they are and avoid them!
A good camera is nice to have but you don’t need a top quality camera either, in my opinion. My iPhone has been great for taking photos and it’s super convenient too.
Guard your belongings on the public transportation system but don’t be a freak about it!
Save money before you start traveling. I mean it.
Don’t buy clothes, you will want to but try your best not to.
Also, if you are traveling with a friend, share your clothes. Both of you don’t need to bring a little black dress!
Arrive to the airport early enough to not miss your flight….having to pay for another flight is the worst!
If the vender tells you ‘oh, I don’t usually sell this one thing that you are interested in, but I sell it just for you’ get out of there! I can guarantee you that you will be charged at least twice its value.
Get to know the public transportation system of the country/area you will be in. You don’t have to use it but you should know the basics of how it functions.
Avoid wearing expensive, flashy or designer clothes because they will do nothing but draw negative attention to you.
Consider exchange rates before you travel because they can either work out in your favor or hurt you a little.
Keep track of your money. If a friend owes you money, kindly remind him/her to return it. At first, it might feel awkward and stingy, but you have to think that it’s your money and there are better things you can do with it. Sorry, friend.
Only take out just enough cash to survive the trip and then don’t take out more + pay for everything with only that cash.
Select a bank that won’t charge you crazy amounts of money for withdrawals.
I have Charles Schwab and I don’t have to pay anything for withdrawals.
Also, I never use airport currency exchange services because I just think the commissions are too high. Instead, notify your bank that you will be traveling and will be taking out money in those locations so that way the bank does not freeze your account.
Hostels: I personally don’t like staying at hostels because I have a crazy fear of strangers sleeping in the same room as me BUT the few times I’ve done, it was not bad at all. Both times we were a large enough group to get a room to ourselves, so that was definitely nice!
Airbnb: Now, this is site I LOVE! I’ve stayed in places where we had the whole apartment and places where I had the room to myself in someone’s house. I’ve never stayed in a place where I had to share the room, I will not do that. I definitely recommend this site.
Hotels: I stayed in a hotel in Dublin and that was niceeeee but it hurt my bank account very badly. I will not be doing that again.
Couchsurfing: Never done it and won’t do it.
The cheapest way? Ask a friend, relative, family friend, or a friend of a friend’s to let you stay for a little while. Just remember to clean up after yourself and to not get in the way of your host.
Pack a lunch if you are visiting a city. I know it’s really tempting to try the local good, which you should but try to also make sure you are eating enough but not paying too much for it. Does that make sense? If not, let me know and I can explain better.
Always, always, always make sure you eat your veggies and drink enough water. Constipation is the worst thing ever!
If you do decide to have dinner/lunch at a nice place, EAT the bread and ask for more, then pick the cheapest item on the menu.
Note: Usually the bread is free BUT in certain countries (e.g. Portugal) or big cities (Cadiz, Spain) they might charge for it, so don’t be embarrassed to ask before you start eating.
Recommendations for traveling within Spain
Blah blah car- check to see if there is a blah blah car trip listed for your area before you pay tons of money for bus or train.
Avoid highways with tolls because they are very costly, trust me. There is a map on the internet somewhere that shows all of the freeways of Spain with tolls, so use that.
Tapas: Spain is famous for them, but remember they are only free in the south of Spain (and maybe the very north). You can have a whole meal by going tapa hopping.
Going out: I don’t know about big cities but smaller cities usually have Thursday nights free of charge if you enter before a certain hour. I hate to admit it but I’ve used the 'I don’t understand what you are saying because I’m a foreigner’ trick to get into places for free.
Once in a while, let a guy buy you a free drink.
Split your food because usually the food portions in Spain are pretty decent size so you can always split a meal and even enjoy a nice glass of wine or a cold beer with it.
Reyna loaded her car with all the studying material she might need, knowing she probably wouldn’t study, but brought it just in case. She tossed her bag of clothes and hygiene products into the back seat as well and jogged back inside to check if she missed anything. Her friends had been asking her a million questions about where she was going, but she decided to ignore them. They always made a big deal out of nothing and she didn’t have time to listen to them rant. Grabbing her purse and her cellphone, Reyna waved her roommates goodbye and left her apartment. Climbing into her car she checked her phone to see a text from Jake. She smiled the way she always did when he called or texted her. Setting her phone up, Reyna typed in the address, picked a Pandora station and took off down the road.
Her GPS said she would be at her destination in roughly fifty minutes, sighing as she settled into her seat. As she drove to this rock climbing, company event, Reyna thought about how she would even approach him. Should she have him meet her outside, should she go searching for him, kissing him in front of everybody when she found him? She wasn’t really sure what the best option was, but surprising him might be kind of fun. She thought of all the ways she sneak up on him while she drove and before she knew it, she was pulling up to the large building, parking her car farther than she would’ve liked, but it was pretty busy. She checked her make-up and her hair in the mirror before climbing out of her car and walking towards the building. She was wearing workout clothes, just in case he invited her to rock climb. If not, she’d have something comfortable to wear while she was at his place. Entering the building, Reyna looked for Jake, hoping she would find him before he found her.
Laurel: “He should have just sent me because that way you would have already been-” [Wally hits her with his car] Wally: “Get in!” [Barry gets inside the car] Wally: “I thought you might need a lift.” Barry: “Yeah thanks!” Wally: “You’re welcome.”