Thứ Sáu, 28 tháng 9, 2018

News on Youtube Sep 28 2018

Hi Everybody! We report from Bogota, Colombia:

Juan David - behind the camera,

me - Aleksandra Andrzejewska

and the new member of Polaca en Colombia crew - the Baby ;)

I have been receiving more and more messages

asking about how is life in Colombia?

So if you plan to move to Colombia

you wish to know how much the life in Colombia cost

or simply are interested about this country -

this video is for you!

And if you like to know more about Colombia

suscribe to our channel

and always be informed

when we publish new, polish - colombian video.

I am very happy to know, that you look for more information about Colombia.

I always repeat, that this is a great country.

First of all, Colombians are a very happy nation.

Few years ago they were even on the top

in rankings of happiest people in the world.

Second, Colombians dont like to look back,

but they always move forward - "seguir adelante".

For me, Colombia is still a rough, touristic diamond

with many things to discover,

And also, very important thing -

in Colombia THERE IS NO WINTER.

To start new in Colombia, you need:

savings, good job contract, or a business idea.

Lets change the myth, that Colombia,

being a developing country, is cheap.

Wrong. Colombia is not cheap,

its exactly the same expensive as Poland,

and you need here at least 900 usd per month.

We talk about middle class.

First of all, we need to live somewhere :)

In Colombia, the apartments are divided into 6 stratums,

where 1 is the poorest

and the 6th - the most luxurious one.

Lets talk about the 4th - middle stratum,

where the rent is about 600 usd.

Colombians always wish to buy their own apartments,

so they take credits.

The credit rates in Colombia are high -

12 % per year, so its not cheap.

If we are lucky and have our own house,

we need to pay aprox. 150 usd for maintenence:

electricity, gas, water, internet,

and administrative expenses, like cleaning, gardening

and - something unusual in Poland - the watchman.

Also, we need to eat something ;)

Monthly, we need to spend aprox 200 usd.

Fruits and vegetables are very accesible and cheap,

and available all year round.

But, if we like to eat some imported products,

like special hams, olis,

olives and even nuts - then the costs grow.

Also, we need to have health insurance.

Every employee is insured, but

if we wish to have direct access to best clinics

and to all specialists,

we need to have a complementary insurance

and it can cost 150 usd per month.

It depends on the company we choose.

As far as beauty is concerned,

we have good news -

it is very accesible and affordable.

Every woman can afford a hairdresser

that cost 20 usd,

and a manicure, that costs 5 usd.

There is no surprise that very attractive

and beauty - oriented Colombian women,

visit a hairdresser once a week.

Its so popular, that also men

use these services and even wear a transparent nail polish!

If we have children in Colombia,

we need to pay more.

In Colombia there are no governmental helps for families

and we need to work things our ourselves.

Colombians use to say that a child

is born with bread in his hand: "El niño viene con pan debajo del brazo".

I think it is more to prevent panicking,

and the parents need to go to work.

All baby clothes, baby food, is more expensive in Colombia than in Europe,

and sending our child to school

costs about 700 usd, depending on the school we choose.

Most parents choose a private school for their children.

And when we have teenagers ready to go to the university,

we need to be prepared for bigger expenses -

a semester costs at least 2800 usd.

But if our kid wants to study at the most prestigious university in Colombia -

Universidad de los Andes -

the semester will cost 5800 usd.

Then, we need to pray so he doesnt want to study medicine there -

medicine is the most expensive career

and costs up to 8000 usd!

About transport - there is a relief.

Transport is relatively cheap.

The cheapest way to move are taxis,

and a taxi drive in Bogota costs about 6 USD,

depending on the distance, of course.

Taxis are very popular and accesible in all Colombian cities.

A trip with fast bus Transmilenio,

that doesnt stop in all bus stops

and also has special lanes,

costs 1 usd.

Monthly manteinence of a car costs about 70 usd,

and a flight within Colombia,

between Colombian cities,

costs about 160 usd.

Money is very important in Colombia

and children are taught very early to earn it:

when they choose a career,

they are encouraged to study something "pragmatic",

for example, economy or law,

in order to make money directly after graduating.

Careers like philology, pilosophy or art history

are considered rather impractical

and difficult to make money with.

But lets change another myth:

I studied german literature and philology

and live in Colombia very well ;)

Another good news is,

that in Colombia there is work for foreigners.

Especially in big cities with multinational corporations,

like Bogota, Medellin and Barranquilla.

Foreign employee is attractive for a Colombian employer,

because he has a different and interesting culture

as well as speaks more than two languages.

We hope that the costs of living in Colombia

didnt scare you

and that you choose to spend here at least a longer vacation!

Please remember to take all these financial values as reference only,

because they depend on individual needs,

and change every year -

these values are valid for 2018.

If you like to know more about Colombia -

we invite you to subscribe to Polaca en Colombia,

below our small window,

and see you next time! Papa! :)

For more infomation >> ILE KOSZTUJE ŻYCIE W KOLUMBII? // CUÁNTO CUESTA LA VIDA EN COLOMBIA? - Duration: 7:41.

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How to Actually F**king Make Money Part1 - Duration: 14:18.

- [Seth] Hey guys this section is called

how to actually (bleep) make money.

And in this section we're gonna discuss

the economic theory.

No we're not!

We're gonna talk about how to actually (bleep) make money.

What they should be teaching you in school.

Instead of a bunch of bullshit.

I can't believe it's up to me,

some random stranger on the internet,

to teach you how to actually (bleep) make money.

What's now is my pleasure to do.

Money isn't everything but it's pretty damn close.

Money helps provide a foundation for your life.

Money pays for your food, where you live,

how you get the (bleep) around, your car.

Money is one of the top reasons for divorce

and one in eight divorces now caused by student loans.

(yells)

Money, or lack there of, is one the top causes of stress.

It is so powerful.

Money will fund your exploration, your fun, your travel,

your passions, your independence, your adult life.

So don't you think it's worth studying

more than the last elective

at the end of your college career.

Yes!

Money, the video game.

But look at it like a video game.

Very simple, there's levels.

And independence is the first level of success in money.

Just being independent financially from your parents.

And you have a four year head start.

Of those people going to college.

You know, just by skipping college

you're more likely to be able to buy a home to live in.

Isn't that crazy.

Most millennials rant 'cause they have no other choice,

they have so much debt when they come out of school

they can't make a down payment on a house.

You, 18, you don't do anything I say here.

All you did is skip college,

you save some money, you have the money for a down payment,

guess what?

You have a house.

You have a house.

Isn't that great?

You have somewhere to live.

Shelter.

That's one of the basic needs.

If your family has saved money for college,

you can use it smarter.

Keep it saved.

You know, put it into some type of investment fund,

or use it as down payment on a house.

But just keep it.

And if you have no college savings, it's okay.

By skipping you can start saving, building credit.

You can make investments in better training.

People worry about money 'cause they were never

taught about money.

So let's talk about it now.

My goal isn't to make you into a money obsessed gangster.

Say hello to my little friend.

You know with a mountain of coke, you know,

drowning in a mountain of cocaine.

It's to give you tools to create a life that you control.

To win the game.

And not lose like so many graduates are doing.

They're just losing.

I'm gonna show you how to make money in ways that provide

more freedom.

And I'm even gonna show you how to make

money from your passion and your knowledge.

And I know this sounds cliche, or crazy, but it is possible.

I know because I've been doing this for the last six years.

Dance with me, Lois.

Dance the dance of life.

Now I want you to have vision for your future

and understand how it all works, a plan.

Skip college strategy.

A plan of action designed to achieve an overall aims.

I want you to learn all your options,

give you some context, the world of money and jobs

to execute a good plan.

Is this all crazy guys?

'Cause in these short videos, I have to kind of,

I have to explain

something that your parents and your teachers should have

been explaining to you for the last decade of your life.

And I have to cram into these videos.

But basically, everyone, what they're doing is

they're going to college and they're hoping

it all turns out.

That's what they're doing.

Ask anyone in college, what you are going to do

after college, they will not be able to tell.

I will guarantee you that.

Well, I hope I get a job.

I don't want you to do that.

So once again, you're gonna have to unlearn some nonsense

that you were taught in school.

Or as I like to call it now, clown college.

Which is basically what college, school is.

We're gonna be jumping,

I'm gonna be jump around a little bit,

I'm a little crazy here, a little hyperactive.

So how to choose a career.

The dumb school way.

Now right now a lot of you are thinking,

okay well I need to choose a career.

So they give you these random strange tests

like one with these skills on logic, management,

people, communications or they'll give you shapes.

Which of the following shapes should come next

in this sequence.

Oh a triangle or is it gonna be a octagon?

I don't know.

Maybe that'll determine if I'm gonna be

a hote in hotel management.

Or then if you go on the internet you get these ridiculous

type of, I'd rather be a wildlife expert

or a public relations professional.

What kind of stupid question is that?

Of course, obviously is you say you'd rather be

a wildlife expert, you're gonna be a wildlife expert.

I'd rather be a tax lawyer,

I'd rather be a newspaper editor.

There's no guidance here.

It's stupidity on an epic scale.

And then that you get some of these test scores,

they give you this random, you know, result about

sort of your

what your test scores mean.

And then it says, you're an inventor,

you could be a real estate agent, an art director,

a diversity manager, a computer analyst,

or a TV talk show host.

Oh I'd like to be like Conan O'Brien!

I wonder where I can apply for a job to do that.

This is so worthless.

You might as well hire a psychic with a crystal ball.

You would get better information.

And then of course there's people who think their major

is gonna turn into their job.

And as we've seen before, almost all of these majors,

other than engineering, are gonna turn into a sales,

customer service or an office job.

So it's complete madness.

Some of these, they take some aspects of your interests

and your personality in these career tests.

And it's totally ungrounded, it's like training

to you to be an elf.

Well I like people and I also know how to sort shapes.

So that means I'm going to be a human resources director!

Like it makes no sense at all.

So from now on, or for now,

I want you to give up trying to figure out

what you want to be when you grow up.

And here's a hint.

Nobody fucking knows.

You know, they have these little kids like,

I wanna be a fireman, I'm gonna be a policeman.

Nobody knows, especially when you're in high school.

Don't define yourself by your career or your job.

Be like Tyler Durden, you're not your job,

your not your bank account, your not your fucking khakis.

Your not any of these things.

So here's how to choose a career the smart way.

Don't!

Don't

Don't worry about it.

Take some time to learn and explore.

Don't choose a career, create the life that you want

and ask how money supports it.

I just need to make money.

I'm not looking for this office manager job

to be my life's calling.

Because it is a recipe for disaster.

Recipe for disaster, you guys.

So I want you take a step back to look at another deeper,

even more stupid assumption.

I know, it's like crazy, how could they get even more

stupid than we're already being right now.

This assumption is that you, with your 15 or 18 or 22

years of age, you're gonna pick the career that

you're gonna be in for the rest of your life.

I'm 16 years old, I'm gonna be a human resources manager

for 30 years!

It doesn't work that way, in reality.

Realistically most college grads realize they are not

interested in what they majored in or are pursuing.

You're gonna have 12 to 15 jobs by the time you retire.

That's the, statistics.

The point is, this is not the time.

This is not the time to be determining that.

It's like saying to you,

get married now, to your soulmate,

even though you've never dated anybody.

That's why it's so awful.

Like you're in college, you're in high school.

Your thinking,

they're asking me to do something impossible.

I have to pick a career or a major

based on, I have never had a job,

I don't know anything these jobs.

I don't know anything what the future's gonna be like.

But I've gotta somehow

pick my future.

And it's insane.

It's not the ancient world guys.

You don't become a blacksmith because your father

was a blacksmith.

You know, your first job is like your first kiss,

it's not gonna be perfect.

You're gonna build on it.

Don't, don't take, I wanna take all the pressure off

this nonsense.

Now 'member, level one is just independence.

Living on your own.

That's all you should be thinking about.

When these people are talking about majors and

oh I wanna do this extracurricular.

Dude all you need is

to figure out, how are am I gonna live on my own.

Because of the Boomerang kids.

So many people moving back with their parents after college.

So the level one goal is just

comfortably being able to get your own place.

Getting your own place or at least knowing you could.

Some people stay at home on purpose,

'cause they're saving money.

That's great!

That's an empowered decision.

But it's not empowerful and I know 'cause I

was in my twenties, I moved back home.

'Cause I didn't know what to do or how to make money.

It's a terrible feelings.

It's a terrible feeling if you,

if you want to move back with your parents,

and you love your parents, that's great.

But it really,

mostly is because you couldn't afford to move out.

And that's not a good feeling, it's not empowering.

And here's a blank slide.

(laughs)

I totally forgot about.

So survive then thrive.

Just in the back of your mind,

and Imma do another video about this,

but how much money do you need each month

for your basic needs?

This is what you should be focused on.

You know, do the math of your rent

and your car insurance and all these things,

I need 2000 dollars a month.

Great!

Then you can do the math of what kind of job you need

to get and you'd be very comfortable and responsible

for that, and you can move out and be an independent adult.

Versus the person whose graduated with the

degree in interpretive dance and then goes, now what.

I was so responsible and I got my degree,

but I don't even know how to support myself.

Now most people approach the job search, and money,

with a desperate, clueless, pleading attitude.

Like please, please, please give me a job, give me money.

I don't know what I'm doing.

I need help.

Please give me, give me a money.

Give me a money.

Rather than asking, what value can I offer?

This is what I, it's what I teach people.

Shin, you know, she came in 21,

she learned these skills that are in demand,

she get hired, get 6000 dollar a year raise.

Because they saw the value of the work the I provide.

So here's a wealth tip.

Think from the employer's point of view.

Do employers want a fancy suit?

Do they want a really cool looking resume?

It's like being on a date.

If you wanna have a good date with somebody,

you have to actually listen to them

and think about what's it like for them,

you can't just talk about yourself

throughout the whole date.

It's not gonna go well.

So here's the thing.

Employers want skills, not credentials.

This is the fastest way to get ahead, guys.

Just understand this.

Degree is meaningless.

That's why Liam Neeson in Taken said,

I have certain set of skills.

He didn't say, I have a degree

in hostage negotiation or something like that.

Or kicking ass.

He had skills that he utilized.

Employers want people who can do things that

need to be done in their company to make them money.

So here, you google, what are in demand skills.

Linkedin will tell you.

These are the top skills in 2018.

Right in front of your face.

You get any one of these skills,

you will have a job, you will have clients,

you will have money.

This is how this leads to money.

Now, you may have no idea what some these skills are.

That's okay.

You're in, you're looking in the right direction.

All the top skills involve computer and the internet.

Not mowing lawns!

And this is what drives me insane,

because if google how to make money as teen,

I'm still gonna see these articles where it's like,

hey guys you should start a paper route, or should mow

somebody's lawn or pickup leaves for your neighbors.

You could charge 'em ten dollars an hour,

or something like that.

It's like dude, that's what people did in the '90s

when I was kid!

There was no internet.

There were no way to get these skills.

It's the worst advice I've ever seen.

You have so many opportunities.

How valuable are your skills?

This is the crisis.

Specialized skill, like the one's we're talking about,

one's like Karen here,

that's why she's making 40 dollars an hour.

My other student, Nick, is 20 years old in Seattle

making 35 dollars an hour.

Everybody else who has, just general skills, like being able

to flip a burger, or work in an office.

Oh I can, I know how to use Microsoft Word,

I'm gonna get ten or 15 dollars an hour.

That's why you get paid more money depending on how

valuable your skills are.

Skills!

Okay so the thing about these skills is that

they can be learned directly online or in Intensives,

like boot camps, in under a year.

And you can start learning a lot of these things in

high school.

Which is why I'm doing this whole course.

'Cause I'm like dude, stop wasting your time

stressing about the damn AP test and learn some skills

that will get you paid.

And the one, my favorite skill, the one that

I focus on the most, that I teach is SEO and SEM marketing.

And I'm gonna talk a lot about it more.

'Cause I don't consider myself super technical.

But all those skills are learnable.

Coding is learnable, I learned coding when I was

in high school.

I did Pascal, I'll talk to you about that later.

But all these skills are learnable, if you apply yourself.

So what is a job actually like?

Being a doctor sounds great, but in reality

it's pretty darn gross.

I remember my buddy was in medical school

and I was, like what, what's medical school like?

And he said, we're doing prostate exams all week.

Like dude, he is just stickin' his finger up

guys' asses, all week.

That's his job.

That's what it's actually like to be a doctor.

It's really gross, it's boring.

I mean I'm sure it's very rewarding for a lot of people.

But, what is a job actually like?

So I want you to go from the concept of what a job,

a lot of parents push doctor, lawyer, or engineer on people.

Because, you know, people force themselves into

engineering, law, et cetera.

'Cause it's stable or it's prestigious.

Oh a doctor, oh it's gonna marry a doctor.

But, what is the job actually like?

And a lot of engineers especially,

I know so many damn former engineers because

they got the degree, they got a job and they look for

something more fulfilling.

Because it's not very fulfilling work.

Now I would like to be able to follow your passion.

And we're gonna talk about that.

However, that's not an excuse to avoid reality.

I'm not saying, oh just write poetry and paint stuff,

and you'll just somehow magically make money.

That's not what I'm saying.

And I would rather have somebody who becomes an engineer

and doesn't like it that much, but they can at least

feed themselves and support themselves.

then somebody who's sort of delusionally following their

passion, without anything, you know, practical

about how to actually turn that into money.

These skills are powerful.

What we're talking about.

These skills, even if it's not your dream job,

to say be a coder or work in digital marketing right now.

Even if you think you can't learn it,

oh I'm not a technical person, I'm not good at it,

I think you should push yourself, 'cause you can,

it's not an excuse.

You should have these skills in your back pocket

'cause this is the right direction to push yourself.

When you have these skills then you can use these skills

to generate income for yourself for the rest of your life.

And then you're a responsible adult and you have the freedom

to do what you want in your life.

And you're not a slave to somebody else.

Now digital marketing is a hybrid,

it's technical and creative and I'll be talking about

it a lot.

'Cause like I said,

I'm not super, I'm not super technical myself

and I'm more creative and that's why I like it.

It's between, its a mixture of the two.

For more infomation >> How to Actually F**king Make Money Part1 - Duration: 14:18.

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GITZO MINI TRAVELER - Strong, small, carbon fibre tripod... BUT HOW MUCH? - Duration: 3:54.

I'm here with Francesca from Gitzo who is going to tell us about this

really cool neat little Gitzo tripod. So Francesca tell me a little bit more

about this then. Ok, you know Gitzo has always been a pioneer in it's field

and this time has created a very great product - the Mini Traveler.

It weighs only 265g so it is meant to be used with CSC cameras or compact cameras and it's

able to hold 3 kilograms of payload. It is fully CNC machined so

it is really reliable and the aluminum structure is the best achievable.

The legs are made from carbon fibre - the same carbon tubes that we use for our

full-size tripods and they are really stiff, robust and lightweight.

We have it available in two colour versions - the classic look of Gittzo or the

full black - very modern and perfect for the new mirrorless on the market.

And it also features dual innovations. The first one is that the pull and fix leg angle

selector and you only need to pull and release the leg to achieve the

best angle possible that can fit perfectly your surfaces. Of course for a

better fit to most surfaces the rubber feet are

well shaped for the best performance. The second innovation is

they've had the brake so you can see that there are no knobs on the overall

tripod in fact the brake it's in between of the head and the spider

casting so you just have to unscrew and move the the sphere and you can lock

very easily also during shooting. So it is available starting from October

and the price point is at 199 Euros. - So it holds three kilos? - Three Kilos payload

- and can you take the head off? - In the packaging is included an allen [hex] key

and you can detach the head. It is very easy to do be detached and you can

also use a standalone legs. The legs are able to hold 25 kilos so a

great result, but also you can match these legs with your prefered

head, so we suggest to use it with smallest centre ball head by Gitzo

on the travel series. - That's great it looks it looks really neat like

Francesca said it's the same kind of quality carbon fibre that you know we've

come to expect from Gitzo tripods and this head is really nicely engineered it goes

from being sort of very loose and in just that a turn all of a sudden it

locks and it's very sturdy on there and it holds 25 kilos if you're just using the

legs and you're just using kind of 1/4inch thread underneath. That's really

impressive I really I want one of these! Francesca

thank you very much.

For more infomation >> GITZO MINI TRAVELER - Strong, small, carbon fibre tripod... BUT HOW MUCH? - Duration: 3:54.

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Psychologist reveals how many hours kids should be allowed to use smartphones - Daily News - Duration: 8:00.

  A two-hour limit on smartphone time can boost children's brain power, a new study has found

 Scientists discovered a clear link between restricting screen use and improved thinking skills

 Canadian researchers looked at 4,520 children aged eight to 11 for the study, which showed that longer breaks from devices help cognitive function, while outside activity benefits physical health

 So what does too much time with technology actually do to children's brains, how can you help them cut down, and what should they be doing instead? What can too much screen time do to our children's brains?  Psychologist Dr Susan Marchant-Haycox says brain imaging has shown that frequent users of smartphones tend to have smaller grey matter in the anterior cingulate cortex – the brain region that serves cognition and motor control – which can inhibit a person's ability to pay attention

 She adds that obsessive screen time can cause a greater risk of depression, anxiety, insomnia and impulsive behaviour

One study suggests that smartphone obsession can cause greater levels of the neurotransmitter gamma-Aminobutyric acid, GABA

 Susan says: "GABA in the brain's cortex inhibits neurons, compared to levels of the neurotransmitter called glutamate-glutamine, which energises brain signals

 "That will create a chemical imbalance in the brain, which can cause anxiety. What can too much screen time do to our children socially and physically?  Spending too much time glued to a screen can make children introverted due to a lack of social interaction, says Dr Marchant-Haycox

 This means that youngsters can "become prisoners to their own mobiles or tablets"

 Dr Michael Hogan, a lecturer in psychology at the National University of Ireland, says that smartphone use is a modern extension of children watching television after school – except now they're watching on portable devices

 He said of the gadgets: "They've got better and better, which means they are certainly more engaging than they used to be – and will continue to no doubt get more sophisticated

There are lots of techniques which are used to draw people back in again and again

 "Our social motivations are pretty much universal and have not changed in the last 20 years, but instead the social engagement is being moved to the screens

 "It's quite easy to engage on a device, so this screen time is taking away from face-to-face time

There is the risk of a child becoming more insular."  A study published this year showed that youths who use social media a lot are at greater risk of sleep disturbance that leads to obesity, while there was a 40% decrease in obesity in those whose parents limited their screen time

Smartphones and creativity  Dr Marchant-Haycox argues that excessive use of mobiles and tablets can also inhibit creative thinking – but there can be some advantages to a child's development, depending on how the devices are used

 "Some research suggests that mobile devices could encourage and support imaginative play, rather than just keeping children occupied," she says

"But a time limit of mobile or tablet usage must be monitored by parents."  Dr Hogan suggests analysing what your child is like in the presence of other youngsters, to see whether they actively engage in physical, real-life scenarios, or stay buried in their gadgets

 He says: "If they turn to their phones when they are in a stimulated environment it may mean you need to monitor their time use

"  And he says that while some video games may seem more stimulating than other things, it's about mixing up different activities, in the way you might vary your child's diet

Read More Top Stories from Mirror Online What is checking behaviour?  Many of us check our smartphone every few minutes, out of habit

 Often, children will copy each other, so if one is playing a game on their phone after school, others are then more likely to do it too

 Not only can this prevent children from engaging socially, it can also leave them feeling stressed if they can't check their phones

 A lot of games and social media sites are also designed to be addictive, which can worsen "checking behaviour", explains Dr Hogan

 "The practical advice is to ask your children if they can try and monitor their own behaviour – why are they checking their phones, what do they hope to gain from it, and what are they worried about missing out?  "It's also about getting them to tune into their emotions when they don't check their phones

 "It's an extension of a 'fear of missing out' – and about realising missing out is not going to be a threat to their life or behaviour

 "They need to gain some control and autonomy over their own behaviour." How much is too much?  Dr Hogan says "it would be a mistake to assume there is a limit of time use" because every child is different

He adds: "It's about getting that balance. Be aware of what your kids are engaging with and set limits

 "There is an obvious trade-off: the more time you spend on social media or playing video games, the less time you have are engaging in real-world physical, social or intellectual activities

"  He adds that context is also very important. For example, watching TV with friends or family can be interactive and fun, and help reinforce relationships

 Dr Marchant-Haycox explains: "Research suggests that children spending two or more hours on mobile phones can impact on brain functioning

 "But much more research needs to be done, especially as we see a continuous increase in social media obsession and more and more children are becoming prisoners in their own homes

"

For more infomation >> Psychologist reveals how many hours kids should be allowed to use smartphones - Daily News - Duration: 8:00.

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How Much a Commute Really Costs - Duration: 55:25.

Welcome from your MassRIDES team.

Some familiar faces here for you, I hope.

So these are the folks who are really here to obviously run

your workplace program, give you all the insights and advice

that you need.

So as we go through this presentation,

and you've got great ideas or things

you want to follow up on, certainly get in touch

with your outreach coordinators, your massRIDES staff,

to dig into any of these things that you

want to explore at all further.

They're really here for you.

They're a resource to support your program.

So certainly, make a note of who you

need to connect with and certainly

do that after the presentation.

So this is me.

My name's Adam.

I work with UrbanTrans.

We do a good amount of work with MassRIDES,

particularly around these webinars and sharing insights

and tips on different elements of commuting, particularly

in the workplace.

So I'm here today to share some of my tips

and my ideas on commute costs and saving on that cost

as well.

I'm pretty fortunate.

I have the pleasure of riding my bike to work.

So my commute cost is pretty low.

But I'm all too aware of some of the costs

that other people incur.

So we want to kind of share a little bit of that with you

today.

So in terms of the goal today, we

want to make sure that you folks understand

the true cost of your employees' commuting habits.

So this is obviously a little bit for you

as ETCs, but also understanding

the cost of your employees' commute

and the impact it has on them.

We want to teach you a little bit about how you can calculate

some of those commute costs.

And then, we want to think a bit about how you

can reduce those commute costs.

So when we show you some of those numbers

about how much it costs to drive alone to work,

for example, how can we find ways

of reducing some of that cost?

And then finally, think a little bit

about how you can communicate cost savings to your workforce,

to your commuters, to motivate some behavior change,

to get them to think about changing how they get to work.

So spoiler alert, putting it out there, no big surprise,

commuting costs money.

We know this.

And again, no big surprise.

Driving really does cost the most.

Whichever way you slice it, driving to work on your own

is the most expensive way of getting

to work when we compare it with all the other modes.

No matter what kind of car you drive--

it doesn't matter how fuel-efficient,

whether you've got a tiny, little European mobile

or this gold-dipped Bugatti.

It doesn't matter how much you spent on your car.

It is going to cost you money to drive to and from work.

So really, we're going to try and cover all those bases

today to talk a little bit about some of those costs

and what will the money mean for you.

So one of the first things I think that's worth addressing

is thinking about what we're talking about when we

talk about the cost of driving.

Often when we talk to commuters and talk to our staff,

really when people think about the cost of commuting,

they're really thinking about the fuel.

They think about the gas they put in the tank.

They might think a little bit about the cost of maintaining

that vehicle, maybe a service once or twice a year,

maybe an oil change, that kind of thing.

But really, there's a real basket

of costs that go into measuring your driving costs.

So AAA measures this on the following.

So fuel, as I mentioned, is one of them.

Maintenance, repair, that's not just big issues that arise,

but just regular maintenance.

Thinking of repair obviously, but also

tires, particularly in Massachusetts thinking

about potentially having winter tires

or another set of tires, a few sets of tires, that you're

going through wear and tear on that, changing

those, those kind of things.

Also included in that is the cost of licensing,

registration, the taxes that you pay on the vehicle,

the insurance, which I think traditionally everyone feels

always is an increasing cost, so the cost

of insuring your vehicle.

Depreciation is another big one that certainly we don't always

think about.

But if you're buying a new vehicle or a nearly

new vehicle, the moment you drive that off the lot,

you're going to see a depreciation

in the cost of that vehicle.

And that's really a cost that you're swallowing.

And then thinking about the cost of things like financing

or leasing a vehicle, so how much are you paying if you

don't-- if you're not paying cash outright for a vehicle,

how much are you paying to purchase or lease that vehicle?

What are the financing costs involved with that?

So AAA measures these--

put all these into their formula in terms of how they

measure the cost of driving.

There are additional things, though,

that you should certainly consider when

we're talking about the cost.

It's everything that you put into your vehicle,

as we mentioned, that AAA works with, but also

things like toll roads.

So we know there's some of those in the state.

So if you're using those toll roads,

that's an additional cost that you're going to incur,

certainly.

And parking, parking is a huge cost.

If you pay for parking, likely you're

all too aware of how much that is.

And the chances are that that increases on a frequent basis.

So that is something that we have

to factor in when we're thinking about the cost of commuting.

So when we look at the AAA--

and they do a study every year to kind of work out

an average cost per mile of commuting.

This is across the US, based on different types of mileage.

And this is a very general number.

So this is your average vehicle driving

an average amount, composite from across the whole country.

But what you're looking at is if you're driving 10,000 miles

a year, about $0.73.

15,000 miles, it's about $0.56.

20,000, it's about $0.49 per mile.

So you see the more you drive, the less per mile it costs you.

But obviously, you're increasing your mileage.

So the cost is going to go up.

What does that mean when we look at it just in Massachusetts?

So the average annual vehicle miles traveled in the state

is about 8,300 miles.

So if we multiply that by the AAA rate there,

so about $0.73 per mile, that means the average person who's

driving alone to work is spending about $6,115 per year

on getting to and from work.

That is a huge cost that people are probably not

aware that they're spending.

And I'm guessing we'd like to probably spend it

on something different that isn't just

paying to have their car, drive it to and from work,

and sit in traffic in it.

What kind of things could you spend this money on?

Now, I don't need to tell you ways to spend your money.

You are free to spend it how you want.

But if it were me, these are some of the things

I might think about.

If I have an extra $6,000 in my pocket every year,

maybe a wonderful family vacation

in a tropical destination, eating out every week

at a really fancy restaurant, some nice furniture

for my house, maybe buying clothes and accessories, things

like that, buying a great big TV and all the electronic things

I want.

Maybe I want to go to a show every couple of weeks.

Maybe there's all different ways that we

might want to spend that money.

The reason I flagged this is when we talk a little bit later

about communicating the cost of a commute,

it's useful to kind of remind people about,

what does this money look like?

Where else could you use it?

Do you really want to be spending this on a car?

Or could you change your behavior

so that you could think about maybe going on that vacation,

buying that new TV, that kind of thing.

Another way to think of that is if you're not just

thinking about what am I going to spend it on immediately,

what if you invested that?

What if you took $4,000 that you're

saving potentially every year, if you

chose not to use your car and drive alone,

and you invested that in a very low rate of return?

I am certainly no financial expert.

I cannot guarantee this rate of return.

But certainly a very low rate over 10 years, you

could all of a sudden have almost $55,000.

That is a very significant amount of money

that can certainly help you along the way

with all kinds of things.

So framing these savings in ways that

are immediate and long-term is a great way

of getting people to really think about that cost.

What does it mean to them?

It's not just the $50 they put in the gas tank once or twice

a week.

It's really this accumulation of costs, seeing it in one place

and getting them to really think about the impact of that.

Maybe this is something that I should

think a little bit more about.

If you're thinking about calculating that commute,

obviously you can use the numbers.

Do your math on the back of an envelope if you want.

And scribble it all down.

One of the great tools we have at MassRIDES,

however, is a commute calculator that

is going to do a lot of that work for you.

So if you go to commute.com, you'll

find our calculator there.

And what you can do is you can put

in all the different variables relating to your travel costs

and figure out what the overall commute

cost would be on the daily, monthly, and yearly basis--

so very straightforward.

All you need to know is, how far is your round trip to work?

So you put that in.

How many days a week do you drive to work?

So you put that little bit of information in.

You figure out your average miles per gallon

on your vehicle.

If you don't know that, a really quick google of,

"What's the average miles per gallon on a Dodge Caravan?,"

and Google will bring it up very quickly.

There are people out there that run websites who track

this information very closely.

So certainly, yeah, you can find that information.

What's the average price of gas?

Put that in there.

And if you're paying for parking,

how much do you pay per month?

So making sure we're factoring that cost in.

And plugging all those numbers on the backend,

the calculator will do the math using the numbers from AAA

to generate a cost for you.

So you can kind of see some of what those costs are.

And in a second, we'll go through

that so you can see some examples.

This is a great tool, again obviously,

if you're interested to right now to go and play

around and see how much your commute costs,

but to use to engage your employees with as well,

to have at an information table, promote through an email,

to let people know, you can go.

You can figure out how much your commute's costing me.

If you don't believe me-- you can suggest to the staff,

if you're not believing what I'm saying,

go and use the calculator.

And you'll probably be quite surprised at what you find.

So that's on the MassRIDES commute.com website.

So certainly make use of that.

So what I wanted to do is kind of use that and give

some examples of commute costs with some hopefully reasonably

realistic examples.

So we have three commuters that I want to introduce you

to this afternoon.

The first is Karen.

Hey, Karen.

Good to see you.

So Karen, she travels to Tufts Medical Center

in downtown Boston from Medford four days a week by car.

She likes the flexibility of it.

She's got a little 2015 Golf.

But she also loves to travel--

and travel not being the commute to work travel,

but traveling worldwide, seeing the world, that kind of thing.

So if we take some of her details,

and we plug them into the commute calculator,

what can we see?

We can see an estimated daily commute cost of about $42.

And again, this is including parking as well as

everything else.

A monthly commute cost of about $672

and an annual cost of $8,736, that's

a pretty significant chunk of change

that you're paying to make sure that you get to work.

The other neat thing, just to flag there at the bottom

that you can see, that the calculator produces

is it does show how much CO2 is produced by your trip, so again

to kind of measure that environmental impact.

So that's Karen.

This is our other new friend, Thomas.

Good to see you.

So Thomas, he lives out in Framingham.

He drives from there to the outskirts of Worcester

in his '95 Ford Explorer, works fairly regular hours,

drives back and forth Monday to Friday.

Here, he's really interested in potentially

renovating his basement.

So he's starting to think about things

he might want some money for.

So what does his commute look like?

So his daily cost is around $28, monthly cost about $568,

and an annual cost of $7,384.

Now, one of the interesting things here, you'll see he's

producing a bit more CO2.

He's got an older vehicle.

His engine's a bit dirtier.

It's a bigger car.

So he's going to produce more CO2.

It also means he's going to be using more gas.

And because of that, that cost is going to go up as well.

So again, you can see this is not an unusual commute.

That's approximately that annual cost for that.

And then here, we have Elizabeth.

So Elizabeth lives and works in the Berkshires.

She drives 15 miles to work each day in her Dodge Caravan.

She's got a couple of kids, a dog.

And she does baseball coaching, so she's pretty busy.

She's on the go a lot.

So she feels like she really does need that car.

So what does her cost look like?

So again, using the commute calculator,

she's got a daily cost of about $22,

a monthly cost of about $448, and then

an annual cost of $5,824.

So again, these are significant amounts.

For someone who's driving what they

feel is a short distance every day,

they're probably not even thinking about it.

It really does add up in terms of the cost of that trip.

So what I want to do with these folks

now that we know that they're paying quite a bit every year

to commute, now that we have these new friends,

we want to help them out.

I want to talk a little bit about how we can

save on the commute as well.

So now, we know how much a commute costs on average.

We know how we can calculate that.

We can see all the different factors.

So if you're anything like me, once you

know how much something's costing you,

you then think about how you can save some of that money.

So I want to take you through a whole bunch of different ideas

and tips on how you can save on a commute mode,

in both a large scale and a smaller scale.

So again, spoiler alert, no big surprise,

the best way to save money on driving is to do it less.

So the less that you drive on your own,

the less money you're going to spend on that.

That's fairly straightforward.

The next question is, though, how do you do that?

Obviously, MassRIDES is here to really support

all the different alternatives to driving alone.

These are things, obviously, you're certainly

going to be familiar with.

But I want to take you through some of these different ideas

and look at them from a cost-saving perspective

and see what's going to give you the best value, the best

bang for your buck.

So carpooling is a significant one, so sharing that ride.

Very straightforward, you can certainly--

if you share the ride, you can directly

share that cost with someone.

If you share a carpool with just one person,

you can cut that cost in half, 50% off,

by reducing the vehicle miles that you're traveling--

whether that is in your own car, driving that less because maybe

you trade on and off with someone else who's driving,

or because maybe someone's reimbursing

you some money for gas mileage, that kind of thing.

So you can certainly reduce some of those costs.

Just to put a plug in here for Bay State Commute,

in terms of a website that we have,

a tool that you have available to you.

So people can go online.

They can find that carpool.

They can find someone who's going

to help them save that money.

Going onto Bay State Commute, putting in their commute

details, and finding a match is really

the first step in finding that carpool partner.

[INAUDIBLE] to make sure that--

make sure there's no messages.

So the next step thing we can look at

is thinking about finding a cheaper mode,

finding a cheaper way of getting around.

And that doesn't mean buying a cheaper car.

It might mean buying a more cost-efficient vehicle.

But we'll talk about that later.

But really what we're talking about

is switching modes, getting out of the car,

thinking of a different way of getting to work.

Number one on that list is thinking

about taking transit to work.

In Massachusetts, we have a wealth of opportunity.

We have 16 regional transit authorities

and all the associated transit networks

within those that can carry you around to work,

so lots of opportunity.

We certainly recommend that you communicate [? to staff, ?]

that transit can be an option.

Absolutely, we recognize that for some locations,

with some [? staff, ?] with some types of work,

it is not going to be the best fit.

For a lot of people, it actually may

be more convenient and certainly cheaper

than they may initially think.

When we talk about transit, obviously it's--

at any level, it's cheaper than driving.

The cost of a ticket is going to be cheaper

than driving that distance.

However, there's certainly ways to save even more money.

If someone is interested in taking transit, reminding them

that if they buy monthly, for example,

they're going to save money on fares.

So if you look at the MBTA, if you pay on a monthly basis,

you're paying around $85 versus a single trip of $1.70,

which over the course of a month would add up.

So monthly fares are certainly a cheaper way to navigate transit

and to save money in that way.

There can be even more savings, particularly

through an employer, on the transit side of things.

So as an employer, you can certainly

offer discounted transit passes.

So you can subsidize the cost of that transit pass program.

There's also-- so some of the agencies,

so MBTA in particular, offers a corporate plan that allows you

as an employer to purchase passes in bulk

and then provide tax-advantaged transit benefits to staff.

So the convenience of that obviously is helpful,

and then passing on that discount to your staff,

again, to encourage them to take transit.

Often, saving money on transit can encourage someone

to consider it in a way they hadn't done before.

They might consider taking a trip that is maybe

five or 10 minutes longer.

But it's saving them a significant amount of money.

So it's worth them making the switch to transit.

Something else to note really quickly,

within Bay State Commute, as you know,

by logging trips you can earn points and get rewards.

One of the rewards that you're able to redeem

is a discount from charter bus services, such as Peter Pan.

So again, you can use the trips that you're

logging to earn your rewards, to get

discounts, further discounts, on transit access.

So again, it's a real great way of saving a little bit

more money on that commute.

Something we should note, though,

and I call this the small print-- just recognizing

that there are costs.

I won't say they are hidden costs, but things that we do

need to think about when we're thinking about transit,

particularly if we're looking at things like commuter rail.

If you are taking commuter rail, it's

likely that you may want to park at one of those commuter rail

stations.

A lot of those stations have monthly parking fees

that certainly are ranging from $30 up to $160.

So that's something you do have to consider

within that commute.

As a sort of a little hack to see if you can find a cheaper

place to park, finding somewhere that's

got a little bit more availability.

So it might mean maybe parking in a lot that's

a little further out, maybe one station further out from where

you normally leave from.

That can reduce your parking cost.

So the more availability at the parking lot, generally

that cost will be a little lower for you.

So moving on from transit, as I mentioned earlier,

my commute is pretty cheap because I get to ride my bike.

So there are very few fuel costs involved,

other than whatever you had for breakfast and for lunch

to kind of fuel you, fuel your legs getting yourself

to and from work.

A new bike or even a refurbished bike

is a pretty minimal investment in the grand scheme of things.

I would certainly always recommend

you make sure that if you are thinking about riding your bike

to work, you get something that is reasonably decent.

You might spend $500, $600.

Here's just an example of a bike available in the area

right now that's something comfortable, robust.

It's going to work for you through the different seasons.

But it doesn't have to be a huge investment to do that.

Thinking about tuneup costs, maintenance

costs you might spend, $100, $150 a year

just to keep everything running.

But again, if we compare that to the cost

of owning, maintaining, fueling a motor vehicle,

it really pales in comparison.

So certainly think about cycling as a

really budget option in terms of getting to work.

As an employer, you can boost that a little, too.

So you can consider offering things

like a monthly subsidy for people

who cycle, giving everyone who cycles,

they're eligible to get $50 every month.

So again, that lowers their commute costs.

Or even bigger picture, thinking about things like a parking

cash-out, so the idea that rather than

subsidizing parking for employees,

you give them the cash in place of a parking space.

So if normally you offer an employee free parking,

but it costs you $100, you take that $100.

And you give it to your cyclist employee

for them to do as they choose.

So again, a great way to incentivize it,

but also then to reduce their costs.

Walking, even less money.

Certainly, you don't need a big fancy bike to do this.

You might choose to get yourself some new, comfortable shoes.

You might get a new set of headphones

so you can listen to something when you're walking to work.

But really, I think as most of us know,

walking around's a pretty budget-friendly way

of getting to and from work.

Something else you can think about, though, too

is that that increased physical activity can really

save on things in terms of your health.

So it might save on your gym fees.

If you're walking 30 minutes to and from work every day,

that's not a bad workout.

That might save you signing up for that expensive gym

membership that you might not ever use.

You're obviously going to save on parking fees.

And you can potentially reduce your long-term health costs

as well.

Improving your heart health, improving

your general well-being through physical activity

by walking to and from work is a great way

of making sure that you don't incur some of those big health

costs later on in life.

Telework is probably one of the cheapest ways.

Teleworking and compressed workweeks

are one of really the cheapest ways of commuting.

It's really costing you nothing.

Because you're reducing your time on the road.

If you're teleworking completely or a compressed workweek,

you might be reducing your time on the road

by two or three days, for example.

So certainly, that's worth thinking

about what existing policies you have at your workplace

that you can look at.

Are you able to work from home?

Is there an option to work longer hours for three or four

days a week to shorten the week you actually work?

So maybe you do four days at longer hours,

and then on the Friday you don't work.

Or, you work two or three days from home.

Thinking about what those options are available to you,

the one thing to note with telework

is that it really is a spectrum.

It's a continuum.

So when we talk about working from home,

it doesn't necessarily mean setting up a home office,

working there five days a week, completely detaching yourself

from the workplace.

It might be doing it on a once, twice, three times

a week basis, having that flexibility.

But again, every time that you leave

the car parked on the driveway, that's

a saving that you're making.

That's not gas that you're burning.

That's not wear and tear that you're putting on that vehicle.

And obviously, the huge savings in time as well, as you can

see here.

Your day's done at 5:00.

You turn your chair around.

And then you're home already, pretty sweet way

of getting to and from work.

Something else to think about if a specific mode isn't

the one for you or for your employees is to think

about going multimodal.

So it might be that transit isn't

an immediate option for you.

There's nothing directly close to your neighborhood,

close and convenient to your house.

But what you may be able to do is drive partway to work.

So rather than drive the full distance,

maybe you can half the amount of time that you drive.

You drive partway.

You park it up.

Maybe you bike, or you drive to the bus station, the train

station.

You leave your vehicle there.

Maybe you can also bike to the bus or train station.

So think about switching up those different modes.

There are park and ride options throughout the state.

So thinking about, where can you go park your car,

find a carpool, meet your carpool partner,

join a vanpool, connect on a commuter bus?

So again, ways of driving part of the way, saving that money,

and redirecting and using a different mode,

driving to the commuter rail as we mentioned.

And then finally, there's the park and pedal program as well,

so the idea that maybe you don't need

to drive all the way downtown.

You drive to the outskirts of town.

You park up in one of the park and pedal areas.

And you jump on your bike and ride

your bike the rest of the way.

Again, cutting-- any time you can

reduce the amount of driving that you're doing,

you're going to reduce the cost that you're paying for it.

There's also thinking about going

multimodal without the car at all.

So we are starting to see more and more options in cities

across the state for accessing different modes

of transportation without needing a vehicle at all.

So you might think, well, my main trip is a train

trip from my town to my place of work.

But I live-- maybe I live a 10-minute drive

outside of town.

How am I going to make that connection?

Well, there are things like bike shares.

And we're starting to see and potentially

going to see things like scooter shares coming down the line.

If you're in Boston, you'll be familiar with the blue bike

system, the bikeshare system that

allows you to pick up a bike from a station,

rent it for 10, 15 minutes, up to half an hour,

and then drop it off at a station near your destination.

So a great way to connect from a transit station,

for example, to your place of work.

The trips there, the cost ranges from $250

to an annual cost of $100 almost,

a great value way of filling some

of those first- and last-mile transit gaps.

We're also starting to see more and more

of these dockless systems.

So the dockless bikeshare systems

are those where you don't pick them up from a station.

You have a little app.

And it identifies where someone's left a bike around

maybe in your neighborhood, maybe at your place of work,

somewhere where you're going to make that connection with.

So lots of flexibility in there, so no longer

do you necessarily need to take a bike and say,

well, you know what?

It's no good to me because there's no drop-off

station near my place of work.

These new systems don't have any kind of dock.

So they can really be left pretty much anywhere.

So there's examples.

LimeBike you might be familiar with.

Ant Bicycle, similar kind of idea,

the idea that you use an app.

You reserve the bike.

You take it out, do what you want,

and leave it wherever it needs to be.

You pay about $1 an hour for it, so very cost-effective, very

easy, very flexible to use.

Something that you may start to see,

we're seeing it across the country more and more,

so these little scooters that are popping up overnight, so

little electric scooters.

So Bird is one type of these, so very popular,

more so than bikes.

I think people are getting very comfortable just

jumping on a little scooter more so than riding on a bike.

You pay $1 to unlock it.

You pay $0.15 a minute to use it.

Again, you use a little app.

You find out where these bikes have been left around.

And off you go.

So a great way of maybe connecting

to a transit station in a way that you hadn't thought

of before or maybe connecting to a new carpool partner.

It really extends your range by having these flexible options

available to you.

So we've talked a lot about the different modes,

the different ways that you can just drive less.

And again, that's really the priority

that we want to try and communicate here.

Have people drive less, and it's going to cost them less.

However, we absolutely recognize that there are

days when you need to drive.

There are situations where employees say, you know,

I just need my car on this particular day.

Transit isn't an option for me.

Carpooling isn't going to work every day of the week.

That's fine.

So one of the things I think is useful to communicate

is, how do we drive a little smarter so that when

we are in our vehicles, if we are driving alone,

how do we reduce the amount of gas

and wear and tear on the vehicles

while we're actually using them?

So there's five things here I'm going

to go really quickly through--

one being about choosing your car, one being about driving it

smartly, one being about maintaining your engine,

thinking about planning trips, and then finally thinking

about moving.

That's a big one.

That's not quite as straightforward.

But I think it's worth talking about.

So first up, think about the vehicle that you're choosing.

If you're in the position to buy a new car

or you're looking to change the vehicle you have,

think about what you need.

Think about getting a smaller, more fuel-efficient vehicle.

Do you really need that pickup truck?

The top three selling vehicles in the US right

now are all pickup trucks.

It's the Ford F-150, the Silverado, the Dodge Ram.

There is a time and a place for those vehicles.

But I very much doubt that everyone

who's driving those vehicles is a contractor or a farmer who

needs this big vehicle.

Think about what you need for the type of driving that you

do to significantly reduce the amount that you spend on gas

and you spend on that vehicle.

So think about those smaller, more fuel-efficient cars.

Obviously, electric and hybrid vehicles

are a great option, taking that extra step

to really think about reducing the cost of fuel.

If you're running on full electric or electric hybrid

vehicles, that's certainly an opportunity

to reduce those fuel costs.

There's also rebates available for individuals.

So if you're getting into one of those vehicles,

or you're thinking of getting into that market,

you can actually get rebates to make that cost lower for you.

As a workplace, this is something

that you can support through charging stations,

providing those in your parking at your workplace

if you have that potential.

And there's incentives available from the department

of environmental protection to support that,

to put some of those stations in, and again encourage people

if they are going to drive to think about choosing a greener,

more fuel-efficient option.

So you've chosen your fuel-efficient car.

You're very happy with it.

You've made the right choice.

Now, it's time to think about driving more sensibly,

being fuel efficient, being careful

with how you're driving around to make the most out of the gas

that you're putting into the car.

Now, some people will take this to extremes, these hypermiler

folks who really try and squeeze every last drop of energy

out of the gas they put in the tank.

Behavior doesn't have to be that extreme.

But here's a few small changes, thinking

about how your vehicle works to really try and reduce

the amount of gas that you're using.

So accelerating is a big one.

So accelerating accounts for about 50%

of your fuel consumption.

So every time you're at a red light, and it goes green,

you put your foot on the gas, and you race off,

you're really using up large amounts of fuel

that perhaps you don't need to, particularly

within urban and suburban contexts where all you're doing

is you're racing up to the next red light

or the next intersection.

So slowing that down, giving yourself a good five seconds

to get from starting to sort of a 20 mile an hour speed

can really reduce that cost.

So avoiding those sort of jack rabbit,

lurching starts, those huge accelerations,

can save 37% of your fuel.

Because that acceleration is really heavy on the fuel usage.

So avoiding that, driving more smoothly, braking more gently,

all those things, things that will

make you a better and more comfortable driver,

are going to save you costs on your gas as well.

Maintenance is obviously important.

We talked about the cost of maintenance being a factor.

So it's not a good idea to try and save on that maintenance

by not doing it.

So think about your tires, making sure

that they're checked, making sure that the treads are good,

that they're running properly, that they're properly inflated.

A poorly inflated tire will create a real drag

on your vehicle and cost you more in gas.

Make sure you're checking your oil regularly.

Refer to your owner's manual.

A lot of modern cars are very easy to maintain.

They can be a little complex.

You look under the hood, it's very hard

to kind of see how it's all put together.

But oil is a constant.

Certainly, make sure that you're doing your oil change

and that you're keeping that maintained.

Old oil, the wrong grade of oil can really wear out your engine

and can just cause a 2% increase in your fuel consumption.

If you're doing a lot of driving,

that's a significant amount.

So really maintain that vehicle as the manufacturer

is suggesting and making sure that the basics,

the oil and the tires, are where they need to be.

So your car is running smoothly.

You're driving it very perfectly.

Everything's going as it should.

So you're saving money in that way.

Next is to think about how you plan your trips.

Some of us do this automatically.

Others do not.

So it's certainly worth thinking about,

every time you get in that car, how do you get the most use out

of it?

What are you going to do when you're in that vehicle?

So think about, well, I'm going to this store.

Maybe I can pick up my groceries while I'm doing it.

Maybe I'm going to get the kids from school.

Maybe I should go pick up my dry-cleaning.

It's all in the same way.

Because every time you drive out, you start the car up.

You drive out.

You come back.

You drive out again, come back.

Drive out again to do another errand.

You're using gas in that acceleration.

You're using gas in the startup.

And you're just using gas because you're driving more.

So think about that.

Think about how timing impacts it.

Do you need something immediately?

Or can it wait a day?

If you know you're going to be out by Home Depot on Thursday,

maybe that's the time that you need

to go and pick that stuff up.

Maybe you don't need it right away.

So again, thinking sensibly about the journeys

that you're making.

Combining those trips, you could save 20% to 50% on your fuel

by being thoughtful and planning out

the way you want to move around.

And finally, this is a kind of a bit [INAUDIBLE],,

controversial one.

But I think it's worth considering.

Think about where you live and where you work.

And if you're in the position of thinking of a change

in your life-- thinking about, maybe we need to move for all

kinds of reasons, expansion of family, a change in lifestyle,

whatever it is--

think sensibly and carefully about

where you want to choose to live.

Often, the assumption is by moving further away,

you can reduce your cost of living.

You can get yourself a cheaper house.

It's more affordable.

But often, people don't factor in those transportation costs,

which can be significantly more, whether that is just

the cost of extra driving-- you move an extra 20 minutes away

from your workplace, that's another 40

minutes on the road every day, and obviously the cost of gas

involved in that, and the wear and tear on your vehicle.

That's an extra-- a cost that you might not factor in.

So even though perhaps your mortgage payment is shrinking,

your monthly transportation cost is

going to potentially increase.

Think about the time that you spend commuting.

There's been a lot of studies recently really trying

to put some numbers to the cost of that time.

The time that you spend an hour in the vehicle

versus half an hour, what does that mean to you?

What could you be doing with that time?

Doing your own thing, spending time with family,

going out for dinner, going to the gym, whatever it is,

that all has a cost.

And by spending that time in the car,

it's costing you to do that.

So think about living closer to work

if that opportunity arises.

It can reduce those commute costs, obviously.

And then it also starts to open more of those options.

So as you get closer to work, things that might not

have been feasible for you, walking and cycling,

now they might become a better option for you.

So again, there's that opportunity to reduce costs.

Now, I'm absolutely not saying that this

is a recipe for everybody.

But I think if we're talking about saving money,

different ways of being effective in how

we kind of manage our transportation,

our personal transportation budget,

thinking carefully about where we live

is an important piece of this puzzle.

So just now we've sort of gone through some of these tips,

I want to come back to our new friends here,

our new commuters, and see if we can help them

save a little bit of money.

So if you remember Karen here, she is our Tufts employee.

She's coming in from Medford four times a week.

She's spending almost $9,000 a year on her commute.

So what might her options be?

So I'm suggesting that maybe she can jump on the T,

get on transit, and really save herself some money.

So she could rent one of these LimeBikes.

She could pick up a bike that [? might be ?] she's found just

down the street from her.

She's taking a ride to catch the 134 inbound bus.

She's going to get off at Wellington Station.

She can take the orange line all the way to Tufts.

That will cost her about $1,200 a year, give or take.

For her, that's a saving of over $7,500--

again, hugely significant.

So she's all ready to plan her trip to Fiji.

And she might even be able to get

a couple of trips out of that.

That's a big saving that she's making.

Let's check in with Thomas here.

So remember Thomas is coming from Framingham out

to Worcester.

He's spending again just over $7,000 a year on his commute.

So his best option is probably carpooling.

So Thomas, he's signed up to Bay State Commute.

And he's found a carpool match with someone

who works at his office.

So him and his carpool partner, they alternate driving week

by week.

He's directly cut his commute cost in half.

Great scenario for him, he's saving about $3,600 a year.

So he's off.

He's off to go.

He's actually going down to Home Depot.

And he's going to start designing that man

cave in his basement.

He's going to get his big TV.

He's going to get his big comfy couch.

Because now, he's got this big chunk of change

that he's saving every month.

And then finally, we have Elizabeth here.

So remember, she lives out in the Berkshires.

She's spending almost $6,000 a year on her commute.

What if she-- what are maybe some of her options?

So one of the things we're suggesting for Elizabeth here

is to think about working from home three days a week.

As we said, working from home is something

that you don't have to do every day.

But by choosing to do it two or three days a week,

you can really start to reduce that cost.

So she's going to reduce that cost significantly.

She's going to invest in a better desk

so she's comfortable.

That's certainly not required, but she's

making that commitment.

She's going to pay a little bit of money for a nice desk

so she can work comfortably at home.

Her commute now, two days of driving,

the rest of the day at home, is probably

going to cost her about $2,500, saving almost $3,500

every year.

So what's she going to do with it?

Well, if we remember, she's got a couple of kids.

They're going to start thinking about going to school anytime

soon.

So she's going to start putting that money away and investing

very carefully and sensibly in the stock market.

So in 10 years' time or so, she's

going to have a very healthy college tuition fund

to help with her lifestyle.

She thinks that's a much better way

of spending her money than spending it sitting in a car.

So having shown you those examples,

I think they're a good way of getting the message out

and communicating why it's important to talk about saving

money as a way to get people to think about changing

their travel behavior.

So providing those real-life examples

can be really helpful, so explaining

to staff what does it mean to save $5,000 a year

can be significant.

Having someone use the commute calculator

can really help them realize what the true costs are.

It's getting them away from just thinking about whatever

they put in the gas tank this weekend at the gas

station to thinking about, oh my goodness.

I didn't realize I was spending $6,000 a year on this.

That's a real number that makes me

think I could probably do something a little better

with it.

Talk about promoting those immediate savings, but also

those long-term savings.

So I think it's easy to sort of--

and I've done it here--

say, you can spend it on a great vacation.

It seems a little frivolous.

But really getting people to think about, what does it

mean to have this money that currently you're

investing in driving to work?

It could be invested somewhere else.

It could be a long-term payoff for you.

And then on the employer end of things,

how do we make the non-drive alone

modes financially attractive?

So what else can we do to not just say, well, it's cheaper

if you ride your bike?

But actually, what can we do to incentivize that even further?

So we're going to pay you to ride your bike.

We might give you a subsidy.

We might do a parking cash-out.

Thinking about those options to really

sort of add to the value of that savings

is going to be important.

So just as we get to the end here,

I want you to flag a couple of ways in which MassRIDES

can really help with this.

One we talked about quite a bit is the commute calculator.

So again, there's that tool.

It's available.

It's right there on the website.

Everyone can go along, play with it.

You can have a little contest.

See who in the office spends the most on their commute.

Shame someone into rethinking how they do it.

But it's a useful tool to get people to really understand

that cost for them.

There's also the Bay State Commute

tool, which we talked about in terms

of finding carpool matches.

We talked about in terms of logging trips to get rewards.

But also by logging trips, you can

start to see the cost savings that you're making.

So every green trip that you're making

and you're logging on there, you're

going to start to see over the course of the month

and the year the kind of savings that you're

making on that trip.

So again, a great way to sort of showcase,

oh, this is really having an impact on me.

And of course, by logging those trips,

you're going to get points that you

can redeem for certain rewards and get discounts.

So it's not necessarily huge amounts of money.

But it could be a free coffee every week,

an extra donut, something like that.

Again, everything, every little bit, helps.

Further MassRIDES support is really available in terms

of getting to understand your commuter needs

and options a little better, so doing

survey work to understand, where are people coming from?

What kind of options are best suited for them?

Talking to staff directly about the commute calculator,

all these things are some of the work

that we at MassRIDES can provide and support you in that.

We can do Meet Your Match carpool events,

so carpool events being the opportunity

to bring people together, find a carpool,

find people who live in their area, make that connection.

We do Try It Day events as well, so

getting people to try something different,

trying transit for a day, realizing that it might be

effective and useful for them.

That's certainly something that we can help with.

And then just to note something that's

going to be coming next year is we're currently

working on a guide to telework for workplaces, so really

a guide, a handbook, that you as workplaces can use

to understand what we mean by telework,

and the processes involved in developing a telework program,

and some of the resources that you'll need to actually build

your telework program and get staff working

from home a few days a week--

again, reducing that commute cost for them.

So that's something to look out for in 2019.

All right.

So just to wrap up really quick here, what have we learned?

Hopefully, we've learned a lot today.

Hopefully, it's been useful for you.

Right from the get-go, commuting by a single occupant vehicle

costs more than you think.

So certainly, let's keep reminding people about that.

Let's keep that front of our minds

that it is much more expensive than you might think

to drive your car on your own.

The cost of that convenience is significant.

It's more than gas.

It's more than just the car.

It's also thinking about parking, tolls, everything else

that we mentioned today.

By choosing a green commute option,

you can yield some significant savings.

Whether it's carpooling, or transit, cycling, or walking,

that's the way to save money on that trip.

That's the way to take those few thousand dollars every year

and put them elsewhere, and not into your vehicle.

If we can help employees visualize those savings

and maybe dream about spending them, giving them

some great ideas, that can be a really good motivator.

So think about that the next time you're

doing a Try It campaign.

The next time you're talking to your employees

about getting them to think about carpooling,

get them to think about what kind of savings they can make

and maybe inspire them to dream a little bit about what they

might spend those savings on.

And then finally, as a reminder, there's

lots of different commute options.

There's lots of different ways you can piece those together.

I think one of the key things to remember is flexibility.

It's not about necessarily saying,

you must switch to one particular mode of transit

for five days a week, so suddenly you're a transit user.

It might be that you take transit

a couple of days a week.

You drive a little bit.

You park, and you pedal for another couple of days.

All those different options are available.

So getting employees to recognize

that they can be flexible is certainly

going to be an important part to help

them feel comfortable in making that kind of switch.

And again, MassRIDES is here to help with that process

and to support the particular needs that you might have

and interests in ways you want to explore this a little bit

further.

So that's sort of the formal part of the presentation.

I wanted to kind of open up for questions.

If you have questions, I'm going to open my little chat

bar here.

Let's see if we can do this.

If anyone has some--

I do have some questions that we received during the session.

So where are we here?

Let's open the chat bar.

So not seeing any.

What I'm going to do is I have a list of questions

here that sort of we picked up during the course

of the session.

So I will go through these.

And hopefully, if this was your question,

it's going to answer it properly.

So the first question, is my company liable

if something goes wrong in our carpool program?

So really, a carpool relationship

is the responsibility of two or more parties involved.

So it's those folks' responsibility.

So it's up to them to negotiate payment terms and everything

else within that.

So it's certainly not the responsibility of you

as a company.

Second question we have here, I don't

have any public transportation nearby.

But I'm interested in finding a new commute.

How can I figure out other options?

So certainly Bay State Commute, we mentioned that.

That is probably the first place to go.

Set up a profile on Bay State Commute

to look for carpool and vanpool options that

are available to you.

You can also get in touch with MassRIDES

to get a personalized travel plan

to look at other options, transit options in particular

that are going to be based on different combinations that

might not come up with a Google search.

So if you're familiar mapping your trip with Google,

you can do a transit trip.

You can do a bike trip.

What Google doesn't do is necessarily piece those things

together for you.

So if you want to go multimodal and figure out,

"Is it an option for me to bike to the train station,

then get on the train, and then scoot at the end of it?,"

that's something that we can help you

with by doing that personalized travel plan.

Another question here, I'm interested in carpool

but enjoy the quiet of being alone.

Do I have to talk to my carpool partners?

My gosh, you'd be amazed how often we get that question.

That's really up to you and your carpool partner.

We recommend when anyone starts a carpool,

you have that conversation.

You figure out what works best for you.

And you set some of those ground rules.

You meet someone, and before you even start that carpool,

if it's not something you feel that you want to ride in a car

with, that's fine.

You don't always have to find that perfect match.

Another option might be the vanpool, though, as well.

So a vanpool, often with more people in the van,

it certainly allows for different types

of personalities.

If you want to just sit at the back

and put your headphones in and not talk to anyone,

no one's really going to care about that.

And so certainly think about that as an option.

Will I really save money taking the commuter rail

instead of driving?

Passes are often a couple of hundred bucks a month.

That is absolutely true.

So one of the things we didn't talk about in any detail here

is sort of the varied cost of the commuter rail.

Obviously, that's very much zone-based and distance-based

fares.

So that cost will certainly vary.

And if you're coming from a longer distance,

that cost will be higher.

However, really again, when we think about the true cost

of driving to work, all those things involved in it--

the parking, the wear and tear, the fuel--

you're absolutely going to save money on that in addition

to the comfort of not sitting in traffic

and not having to drive.

As expensive as it may seem, it's

going to be cheaper to use that commuter rail than driving

yourself alone.

Another question, will I still save money

if I can only take a green commute two

days of the workweek?

Yes, absolutely.

So one of the things I mentioned a couple

of times there and just to reiterate,

anytime you're not driving your vehicle

and you're not driving alone, you're

going to be saving money.

You can watch that money kind of be saved as you sit,

and you leave your car on the driveway.

You can leave it.

You can go past it on your bike and think about the money

that you're saving.

So that's really anytime you're not driving,

you're going to save that money.

How do most folks split the cost between the driver

and passengers?

So I mentioned this a little bit.

But just there's different ways of doing it.

And as we said, it's really down to the individuals

how you work it out.

So some people, what they do--

and I think we talked about this with our example here, Thomas--

people switch off driving.

So maybe they trade week to week or month to month.

So you're only driving half as much.

And you use each other's vehicles.

If, though, maybe only one person has a car, again,

you can set up a relationship to say, well, maybe someone else

will fill up the tank once a week.

Or, you use that commute cost calculator

to figure out what the trip would be

and reimburse them for that amount of money.

It's a discussion.

It's something where there's no sort of hard-and-fast rule.

Again, you and your carpool partner

will kind of figure out what's a fair and reasonable amount

to do that.

Some people choose not to do it at all.

Some people say, you know what?

I'll drive.

You're in charge of getting the coffee every day.

And that's fine, too.

There are great options now, things like Venmo and PayPal

obviously, for transferring money.

It doesn't just have to be cash when those options are

available too.

So do carpools just split the cost of gas?

Or, do they also factor in the wear and tear on the car?

How do you determine the cost of that?

So again, it's really up to both parties.

Certainly, use that commute cost calculator

if you want to include that wear and tear,

or you can take that out as well.

Or, you can use the IRS reimbursement

rate per mile, which is currently about $0.54 a mile.

So it's really down to you.

Again, it's down to you as sort of the people in the carpool.

You have that relationship.

You discuss what works.

And certainly, be flexible with it.

You might find over time that it feels like maybe you're

not getting reimbursed enough, or you can contribute more.

So certainly, there's different ways of looking at that.

I have a few more questions in here.

What are resources for companies to implement incentives?

My company said it would cost them too much to do it.

One second here.

So really, it's something that is something

that a company needs to budget for if they want to look at.

But one recommendation I would make

is that you need to build a case for it

and find the right budget to take to try and request it

from.

And it might be a longer-term process.

It might not be that immediately, we

can turn around and give everybody

$50 for riding their bike.

But maybe, there's a broader strategy

that this plugs into, a sustainability strategy,

a corporate social responsibility

strategy, that over time this could get built into a budget.

It's certainly not something we see every company do

in terms of reimbursement.

But it is something that can be--

building a case for it, thinking about it long-term,

and identifying maybe the best place to draw that from

is probably a strategic way to go about that.

What else do we have here?

I looked into vansharing.

But it's $1,000 a month.

It's hard to motivate five people in a rural setting.

Any ideas on how to decrease vanpool costs?

I think it is about increasing the number of people

in that van.

The more people in the van, you can reduce the cost of that.

So really, I think it relies on getting the message out

about the vans that are available.

If they're coming from a particular area,

and you're in a workplace, how do you

promote that as something that might be interesting to them?

Doing a MassRIDES survey, identifying

where everybody's living, you might

be able to identify a pocket of people.

So even though five people have sort of

said they might be interested, there

might be a few other folks that you could contact already

because you know they're all in that similar area.

So trying to do that might be helpful.

And Diane thank you.

Just to add to that, so MassRIDES and Bay State

Commute, we can help find those riders for the vanpool.

So we can dig into it that way as well.

We can do those events.

We can do matching events to really drum that support up.

So absolutely, that this is--

the message should be if this is something you're interested in,

and the challenge is getting people

to be motivated by it, that's absolutely

our area of expertise.

So that's the kind of thing we can come in and help you with.

There was another question in here.

Does depreciation cost take in the time a car is owned

versus saving on accrued mileage?

That is a good question.

I don't think it does.

So the AAA does consider the depreciation.

I don't think the calculator is balancing that off

against the accrued mileage.

And obviously, you're absolutely right.

If you still own the car that you're going to need anyway,

that is a sunk cost obviously that you're going to incur.

The ideal situation is that you don't get that extra car.

You don't get a new car.

But yes, certainly some of that depreciation,

some of that insurance, is going to be

a cost that is kind of baked in if you have that vehicle

already.

So that's certainly worth thinking about.

But again, shaving off that cost of gas,

shaving off the cost of--

you might even be reducing insurance because you're not

driving as much.

That's all part of those savings.

Yes.

So what we'll do is we'll send through the link

to the 2017, which is the latest AAA guide.

There may be another one coming out very soon for 2018.

They usually come out around this time of year.

So we'll certainly send that out to everyone

so that can be seen.

Just looking through here, I don't

see any further questions.

So seeing no further questions, I just

wanted to thank you all for your time.

Hopefully, this has been useful to you.

We'll be able to circulate a recording of this.

The presentation will be up on YouTube.

So again, you can look at it.

You can share with your networks.

And again, you can use to share at your worksite too to kind

of share some of this knowledge and these tips

amongst your workplace.

But certainly appreciate your time.

As I mentioned, if there's any further questions,

certainly reach out to us directly here at MassRIDES.

And we can kind of follow up with you.

But for now, thanks very much for joining us.

For more infomation >> How Much a Commute Really Costs - Duration: 55:25.

-------------------------------------------

24 Years After 'Friends' First Aired, Here's How Much The Cast Is Worth Now - Duration: 6:29.

 Over two decades ago today, viewers first saw Rachel Green run into Central Perk, soaking wet after leaving her fiancé at the altar, kickstarting a sitcom that would go on to become one of the world's most beloved TV shows

 That's right, it's 24 years today since we got our first dose of Friends. Credit: Warner Bros

/Friends  Fast forward to 2018 and we're all still obsessed with the sitcom - there's even a festival dedicated to the beloved series - and if you didn't get to watch it the first time round, thank the gods of TV that we live in the glorious age of Netflix, where binge-watching is a must

 Although Friends ended in 2004 (and some cast members' careers after the show were more lucrative than others), the cast is still making bank

 So with the success that still surrounds the show today it can't possibly come as a shock to learn that the cast are worth a pretty penny

 Individually, the stars' net worth starts at $70 million (£53.5m), with the highest earners reaching $220m (£168

2m), as recorded by Celebrity Networth.  Let's start with the show's lowest valued cast member - i

e. that still-a-bloody-fortune $70m we mentioned earlier - which would be Lisa Kudrow

Back in the day she played the quirky Phoebe and though Friends was one of her biggest roles, she's still pretty active in Hollywood having been on such shows as The Unbreakable Kimmy Schmidt, Grace and Frankie and The Comeback

 Next up is the man who could make anyone blush with his famous line: "How you doin'?" Credit: Warner Bros

/Friends  Matt LeBlanc's recent stint as a Top Gear host may have been brief, but his net worth reportedly stands at a cool $80m (£61

2m). In the series he played Joey, long thought of as a loveably goofy character, although his womanising ways attracted a certain amount of controversy recently when millennials found that not all of the show's jokes had stood the test of time as it landed on Netflix

 Matthew Perry stands firmly next to his co-star and onscreen roommate, also worth a nice $80 million

 After playing the permanently wisecracking Chandler, Matthew has found some success - not only in films like early Zac Efron vehicle 17 Again, but also with his stage work

 As for David Schwimmer, he's fine - and so he should be with an estimated worth of $85m (£65m) after playing the dinosaur-loving Dr Ross Geller

 Youngsters may know him as the hypochondriac giraffe in Madagascar, while recently he made waves in FX's celebrated The People v OJ Simpson: American Crime Story, playing Robert Kardashian who famously represented former athlete and actor Simpson against murder charges

 Courtney Cox is up next - and her net worth is slightly more north of her co-stars' - she comes in a comfortable $120m (£91

8m) Since leaving behind the clean-obsessive Monica, not only did she star in Cougar Town for six years, but she's also had a hand in various film and TV projects since then

 Cox and ex-husband David Arquette also own their own production company, Coquette Productions, and in August, it was announced that Cox will join the cast of the US version of Shameless next season

 However, the winner in all of this is the fabulous Jennifer Aniston, who reigns with a tidy $220m (£168

2m) net worth. Lend us a fiver, mate? Go on then, a tenner's fine. The feisty A-Lister isn't only known for numerous Hollywood movie roles, but she's also been married to Brad Pitt and Justin Theroux (yep, Louis Theroux's cousin)

With a variety of Netflix projects in the works, it's clear that the golden girl of the 90s is still slaying even 24 years on from her first appearance as the spoilt 20-something Rachel Green

 There's no doubt that Friends was, and is, amazing. Go on, admit it - if a TV show could be the one, Friends would definitely be your lobster

Featured Image Credit: Warner Bros./Friends

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