Traveling with Kristin

Starting a digital marketing agency is one of the fastest ways to become a digital nomad. Today's guest and founder of Voy Media and the Digital Marketing Fastlane podcast will tell you how. Plus, what everyone needs to know about Facebook ads, how to start a successful online business in any industry, and the real story behind how Netflix started. WHAT ELSE YOU'LL LEARN: How to find your first customers online: Why "if you build it, they will come" doesn't work. Why you need to learn Facebook ads - especially if you're a solopreneur or freelancer. How to make a living selling Facebook ads and how much you can charge per month. How to unlock your golden handcuffs: Change your career and ignore sunk costs holding you back. Tips for ranking at the top of Google. What the most lucrative affiliate industry is. Pros and cons of running digital agencies How to pitch and land big clients. How to manage creative projects remotely. Work from home productivity techniques. How to live in Taiwan with the Taiwan Gold Card long-stay visa for remote workers. Rate this Podcast Show sponsor: Get 10% off your entire order plus free shipping over $99 at www.thehemphaus.com with promo code TWK10. EPISODE RESOURCES AND SHOW NOTES Kristin's Remote Work Amazon Store: Standing Desk and Home Office Set-Up Minimalist Digital Nomad Set-Up Why Facebook's Remote Work Salary Policy is "Barbaric" The Easiest Productivity Hacks You Never Thought Of Netflix Co-Founder's Book Dot Com Secrets by Russell Brunson Tech Tools & Resources: Ruby on Rails Job Board Mint.com Wordpress Moz SEO Dropbox Slack Asana Pomodoro Technique Interesting People: Lost LeBlanc Billy Gene Marketing Richie Norton Interesting Places: El Salvador Taiwan Gold Card CONNECT WITH KEVIN: Twitter Voy Media Digital Marketing Fastlane Podcast ....................................................................................................... WORK WITH KRISTIN: Book a private consultation Relocate abroad with Orbis Relocation or Poker Refugees Apply for a Free Strategy Call for help relocating abroad or becoming a digital nomad Support the Badass Digital Nomads Podcast: Become a Patron for $5 per month Leave a 5* Review: https://lovethepodcast.com/digitalnomad Buy Merch (Teespring.com/Stores/TravelingwithKristin) Connect on Social Media: Follow on Instagram Subscribe to Traveling with Kristin on YouTube Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.

What if you had six months to explore Iceland - all while being insanely productive at work? Now, you can with Iceland's new long-stay visa and work permit for digital nomads and remote workers. The Iceland remote work visa is open to citizens of all nationalities. In this podcast, Kristin explains how to qualify for the visa, what the requirements are, and the pros and cons of living in Iceland as an expat or digital nomad. Plus, get insight into what it's like to live at a co-working and co-working space in the remote West Fjords of Iceland. Show sponsor: Get 10% off your entire order plus free shipping over $99 at www.thehemphaus.com with promo code TWK10. EPISODE RESOURCES AND SHOW NOTES Video: Work Remotely from Iceland Learn more about Iceland's Remote Work Visa: https://work.iceland.is/ Apply here: https://utl.is/images/L-801_Long-term_visa-07.pdf RELATED PODCAST EPISODES: Coworking and Coliving in Iceland Interview Digital Nomad Visa Pros & Cons ....................................................................................................... WORK WITH KRISTIN: Book a private consultation Relocate abroad with Orbis Relocation or Poker Refugees Support the Badass Digital Nomads Podcast: Become a Patron for $5 per month Leave a 5* Review: https://lovethepodcast.com/digitalnomad Leave a voice message Submit a question or recommend a guest (feedback survey) Buy new Badass Digital Nomads Merch (Teespring.com/Stores/TravelingwithKristin) Connect on Social Media: Follow on Instagram Subscribe to Traveling with Kristin on YouTube Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.

Agnes Nyamwange is one of the first digital nomads from Kenya, Africa. Learn how she accomplished this feat and how you can become a digital nomad, too - even if you're from a developing country. She also shares how she makes money online, how to save money money to travel and score local prices in African countries, tips for solo travelers, how to get cheap co-working and internet at luxury hotels, and much more of what she has learned in her years of traveling the world as a digital nomad. You'll also like this episode if you're interested in how to get a study visa in the US, how to quit your corporate job if you feel burnt out, and how to invent your own digital nomad job. WHAT YOU'LL LEARN: How to become a digital nomad when you're from a developing country What it's like becoming a digital nomad in Africa How to shift from corporate America to having a location independent business How to heal from work-related burnout How to save money money to travel full-time How safe is solo travel? How to combat discrimination in the workplace and while traveling How to deal with office politics while working remotely How to make friends as a digital nomad How she became featured in a digital nomad documentary ....................................................................................................... Send money from anywhere in the world with Transferwise. Get a free transfer up to £500 at TravelingwithKristin.com/Transferwise. ........................................................................................................ Travel in Africa and South America: Club scene in Nigeria Where to visit in Kenya Things to do in West Africa Ghana Senegal Ivory Coast Malaga, Spain as a digital nomad and travel destination Bolivia's Cost of Living Travel Hacks like how to save money working from hotel coworking spaces EPISODE RESOURCES AND SHOW NOTES Roamers Digital Nomad Documentary Movie MBO Partners Study on Digital Nomads Stay at Selina in La Paz, Bolivia Get Google Fi for your phone Nomad Cruise for Digital Nomads Related Podcast Episodes: The Maverick Show Episode 46: Undocumented, Detained and Deported: Becoming a Full-Time Nomad on a Kenyan Passport with Agnes Nyamwange Retire Early on FIRE with Nomad on Fire How to Make Money Blogging with Tom Kuegler How to Make Money Blogging with Anthony Moore Closing the Remote Work Gender Wage Gap with Tortuga Backpacks Travel to Dubai as a Digital Nomad: Burj Khalifa Dubai Dubai Digital Nomad Visa Join the Nomad Cruise Related videos about the Digital Nomad Lifestyle: Nomad Cruise Vlog About the Nomad Cruise Digital Nomads in Santorini, Greece ....................................................................................................... WORK WITH KRISTIN: Book a private consultation Join the Make Money Mentorship 6-week program (Special offer for podcast listeners $100 off) Relocate abroad with Orbis Relocation or Poker Refugees Support the Badass Digital Nomads Podcast: Become a Patron for $5 per month Leave a 5* Review: https://lovethepodcast.com/digitalnomad Leave a voice message Submit a question or recommend a guest (feedback survey) Buy new Badass Digital Nomads Merch (Teespring.com/Stores/TravelingwithKristin) Connect on Social Media: Follow on Instagram Subscribe to Traveling with Kristin on YouTube Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.

Reflections on life, death, and how to cope with grief, guilt, or regret after the passing of a loved one. Lessons learned from my grandparents, advice from Steve Jobs on how to seize the day, a song to make you think, and quotes from my favorite Stoic philosophers on how to live the good life without fearing death. Bonus: Questions to ponder from The Daily Stoic Journal: What's your role in the play of life? Are you prepared for the randomness of fate and luck? What principles will steer you through the flow of change? What will remain when all else passes away? SHOW NOTES & RESOURCES Book: The Daily Stoic Journal Article: "A Stoic Response to Grief" Article: "Lessons Learned in 15 Years as a Digital Nomad" Song: Burgs by Mt. Wolf Lyrics Video on YouTube ..................................................................................................... WORK WITH KRISTIN Book a private consultation Join the Make Money Mentorship 6-week program (Special offer for podcast listeners $100 off) Relocate abroad with Orbis Relocation or Poker Refugees Support the Badass Digital Nomads Podcast: Become a Patron Leave a 5-Star Review Leave a voice message Submit a question or recommend a guest (feedback survey) Buy new Badass Digital Nomads Merch (Teespring.com/Stores/TravelingwithKristin) Connect With Kristin on Socials: Follow on Instagram Subscribe to Traveling with Kristin on YouTube Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.

Have you ever been stuck in a job you hate? Anthony Moore can relate. Before he found success as a Top 100 Writer on Medium and the author of multiple books, he struggled with depression, addiction, and how to leave his dead-end job at a call center. After burning out, he and his wife quit their jobs to pursue their dream of living abroad in South Korea, where they remained while working full-time on their side hustles and saving money to travel throughout Southeast Asia. In this podcast, learn how Anthony turned his life around to create the six-figure online business he runs today and how he's managed to generate more money and freedom while working less. TOPICS DISCUSSED: BUILDING A WRITING CAREER WHILE TRAVELING THE WORLD How to start blogging with no prior writing experience How to motivate yourself to write consistently How to avoid the biggest mistake new writers and bloggers make How to build a writing business: The five main ways Anthony makes money online with writing Exponential Growth: Going from making $10 per year off writing to six-figures per year How to grow your email list to 75,000 subscribers How to get into top publications on Medium How to get featured in mainstream media outlets How to find time for your side hustle while working a job you hate Stop living a life of mediocrity: How to turn your life from ordinary to extraordinary Living in South Korea: Expat lifestyle and cost-of-living Secret travel destinations to visit in South Korea Self-publishing versus traditional publishing The best books and biographies to inspire you How to stop pitching to work with people and have them pursue you instead SHOW NOTES & RESOURCES Book: What Extraordinary People Know Book: Wealthy Writers: How to Go Viral, Get Followers, and Get Rich Writing Book: Shoe Dog by Phil Knight Book: Dot Com Secrets by Russell Brunson Freelance Writer Starter Package CONNECT WITH ANTHONY Website Medium Show Notes on TravelingwithKristin.com: https://www.travelingwithkristin.com/digital-nomad-podcast/medium-writer-anthony-moore ........................................................................................................ WORK WITH KRISTIN Book a private consultation Join the Make Money Mentorship 6-week program (Special offer for podcast listeners $100 off) Relocate abroad with Orbis Relocation or Poker Refugees Support the Badass Digital Nomads Podcast: Become a Patron Leave a 5-Star Review Leave a voice message Submit a question or recommend a guest (feedback survey) Buy new Badass Digital Nomads Merch (Teespring.com/Stores/TravelingwithKristin) Connect With Kristin on Socials: Follow on Instagram Subscribe to Traveling with Kristin on YouTube Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.

The UK, France, and Germany are under renewed lockdowns until at least December - here's what that means for travel in and out. Plus - if you're a remote worker stuck under lockdown somewhere, we have some inspiration and tips for how to move abroad to a place like Costa Rica for lower taxes and a better climate, quality of life, and cost of living (without sacrificing access to healthcare). What you'll learn: Who can travel in and out of UK What to do if you have travel booked to Europe in 2020 Details of the lockdowns in UK, Germany, and France - what's opened and closed/what's allowed and not allowed When European countries will reopen again The eight countries approved for travel to the Schengen Zone Benefits of moving from England to Costa Rica: Weight loss/healthier lifestyle Lower cost of living Lower taxes Access to healthcare Why people live longer in "Blue Zones" like Costa Rica SHOW NOTES AND RESOURCES MENTIONED: Dubai Digital Nomad Visa: https://youtu.be/h3Kdu3C7Ixg Free Remote Jobs Guide: https://www.digitalnomadbootcamp.com/remote-jobs-guide Blue Zone Costa Rica: https://www.bluezones.com/exploration/nicoya-costa-rica/ Reopen EU Travel Information: https://reopen.europa.eu/en Travel to Europe during Coronavirus Videos: Travel to Europe FAQs: https://youtu.be/XuEeBvArXQk EU Travel Ban Explained: https://youtu.be/Z3aOUWREyAw Countries Who Can Travel to Europe: https://youtu.be/7fRFK6GZX2g UK Lockdown Details: https://www.independent.co.uk/news/uk/politics/second-lockdown-boris-johnson-announcement-b1481913.html France and Germany Lockdowns: https://www.cnn.com/2020/10/28/europe/europe-new-lockdowns-announced-intl/index.html St. Augustine, Florida (oldest European settlement in the US): https://www.visitstaugustine.com/ Need help changing your travel plans? Contact fellow digital nomad, Fiona Brander, of Travel Pros: https://www.facebook.com/fiona.brander or Instagram @TravelwithFi https://www.instagram.com/travelwith_fi/ ........................................................................................................ money from anywhere in the world with Transferwise. Get a free transfer up to £500 at TravelingwithKristin.com/Transferwise. ........................................................................................................ Thank you to en2PT for leaving this review on Apple Podcasts: Aspiring Digital Nomad "Love this podcast! Straight up advice and raw conversations. I came across this podcast randomly." ........................................................................................................ WORK WITH ME Book a private consultation Join the Make Money Mentorship 6-week program (Special offer for podcast listeners $100 off) Relocate abroad with Orbis Relocation or Poker Refugees Support the Badass Digital Nomads Podcast: Become a Patron for $5 per month Leave a 5* Review: https://lovethepodcast.com/digitalnomad Leave a voice message Submit a question or recommend a guest (feedback survey) Buy new Badass Digital Nomads Merch (Teespring.com/Stores/TravelingwithKristin) Connect With Me on Social Media: Follow on Instagram Subscribe to Traveling with Kristin on YouTube Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.

Find out why US expats abroad have the lowest voter turnout of any demographic in America, despite having the power to swing elections. Learn why US expats are ignored by the government, political pundits, pollsters, and research centers, despite being a voting bloc with the population equivalent of the 11th-largest state in the country. Plus, learn what the implications will be of remote work on the 2020 election and future election cycles, as well as how remote work will redistribute the American electorate and affect the electoral college map. Also find out: Who US expats voted for in past primaries and national elections (Republicans and Democrats). Why expats vote more liberal than conservative. Why no one knows exactly how many expats live abroad. Why the US tax code is forcing more Americans abroad to renounce their US citizenship, and what we can do about it. The many ways you can vote from abroad. SHOW NOTES AND RESOURCES: Digital Nomad Visas Episode: How to Know If You Need a Digital Nomad Visa - Pros & Cons New - Croatia Digital Nomad Visa Program New - How to Travel to Croatia in 2020-2021 Join Democrats Abroad: https://www.democratsabroad.org/ Join Republicans Abroad: https://republicansoverseas.com/ Rick Steves Travel Video: "Why I'm Voting for Joe Biden" Blog: "For the Love of America, VOTE - And Vote for Joe Biden!" Republican Voters Against Trump YouTube Channel American Abroad: "Trump Has Turned Us Into a Joke" How to Vote Overseas: FVAP: https://www.fvap.gov/citizen-voter Vote from Abroad.org: https://www.votefromabroad.org/ US State Department Absentee Voting Information for US Citizens Abroad: https://travel.state.gov/content/travel/en/international-travel/while-abroad/voting.html ........................................................................................................ Thank you to my newest patrons, Heather and Colin! ........................................................................................................ WORK WITH ME Book a private consultation Join the Make Money Mentorship 6-week program (Special offer for podcast listeners $100 off) Relocate abroad with Orbis Relocation or Poker Refugees Support the Badass Digital Nomads Podcast: Become a Patron for $5 per month Leave a 5* Review: https://lovethepodcast.com/digitalnomad Leave a voice message Submit a question or recommend a guest (feedback survey) Buy new Badass Digital Nomads Merch (Teespring.com/Stores/TravelingwithKristin) Connect With Me on Social Media: Follow on Instagram Subscribe to Traveling with Kristin on YouTube Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.

Digital nomad visas have become quite the trend in 2020 as countries look for ways to bolster their economies with remote worker tourists. But are digital nomad visas just hype? How valuable are they? Do the benefits of digital nomad visas outweigh the costs? Most importantly, do you really need one to travel and work online? In this episode, Kristin evaluates the pros and cons of each digital nomad visa and opines about which ones are worth applying for - if any. DIGITAL NOMAD VISAS COVERED: Antigua and Barbuda Barbados Croatia Dubai Estonia Georgia ........................................................................................................ Send money from anywhere in the world with Transferwise. Get a free transfer up to £500 at TravelingwithKristin.com/Transferwise. ........................................................................................................ RESOURCES AND ADDITIONAL INFO: Medium: "Digital Nomad Visas Are a 'Thing' Now" Antigua and Barbuda Apply: Nomad Digital Residence Visa Programme Barbados Video: https://youtu.be/BPUQZ8r-YQc Apply: Barbados Welcome Stamp Croatia Video: [coming soon] Info: Total Croatia News Dubai Video: [coming soon] Apply: Work Remotely in Dubai Estonia Videos: Estonia Digital Nomad Visa Cost-of-Living in Estonia Apply: Estonia Digital Nomad Visa Georgia About: Remotely from Georgia Programme Apply: https://stopcov.ge/en/Protocol ........................................................................................................ Thank you to Don Scarcia from the Netherlands for this week's featured review! "Genuine" "There are so many ponzi-scheming DigNoms out there, but Kristin is the real deal! Out of all the fluffed up podcasts in this scene, hers is packed with value from real people, living a real life. She is honest about the hardships, which in itself is very rare these days. If you want to use 'Badass' as your non de guerre then you need to be worthy of it. She is." Going somewhere? Get international travel and medical insurance with COVID-19 coverage options: World Nomads SafetyWing ........................................................................................................ WORK WITH KRISTIN Book a private consultation Join the Make Money Mentorship 6-week program (Special offer for podcast listeners $100 off) Relocate abroad with Orbis Relocation or Poker Refugees Support the Badass Digital Nomads Podcast: Become a Patron for $5 per month Leave a 5* Review: https://lovethepodcast.com/digitalnomad Leave a voice message Submit a question or recommend a guest (feedback survey) Buy new Badass Digital Nomads Merch (Teespring.com/Stores/TravelingwithKristin) Connect With Kristin on Socials: Follow on Instagram Subscribe to Traveling with Kristin on YouTube Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.

What types of personal and professional knowledge are important in becoming a digital nomad? What types of skills should you focus on now to achieve success in your personal and professional remote life in the future? And finally, what is the one thing I wish I knew before I became a digital nomad? I answer these questions in today's episode with eight critical skills you can work on acquiring or developing today, whether you work remotely and travel yet or not. I also explain why I chose each skill, what makes it important, and give a practical tip for how you can better cultivate or apply it in real life. WHAT YOU'LL LEARN: The 8 most important skills for success in the digital nomad lifestyle, whether you are a remote worker, freelancer, small business owner, entrepreneur, passive income nomad, or retiree. The best way to communicate when you work remotely. The Stoic practices that make life a lot easier and more pleasant. Easy strategies for organizing your life. My top tip for overcoming procrastination. The one thing I wish I knew and the main thing I wish I had more of when I first became a digital nomad. Why you don't need tech skills to become a digital nomad. Why motivation and discipline don't matter as much as you think. Supporting stories and anecdotes from life on the road. RESOURCES MENTIONED IN THIS EPISODE Last Week's Podcast with Steve Rout on How to Live Your Best Life and Reinvent Yourself at Any Age Grammarly Hemingway App Book: Deep Work by Cal Newport Find more recommended books in my Amazon Store: https://www.amazon.com/shop/travelingwithkristin Jocko Wilink The Daily Stoic Meditation & journaling as a daily habit Meditation Resources: Podcast: How to Start a Meditation Habit Podcast: Silent Meditation Course: Insights from Meditating for 100 Hours in 10 Days Medium: "10 Lessons from 800 Days of Meditation" Thank you to Brandon Bufe in my Facebook Group, Badass Digital Nomads, for submitting this question. And thank you to KClarke in Australia for this week's featured review! "Everything you want to know" "Kristin is an amazing host. She has extensive experience as a veteran digital nomad. Her episodes really hone in on what aspiring digital nomads want to know (when you don't know what you need to know!) and topics and challenges more relevant to veteran nomads. I get so excited when another episode comes out! Definitely check it out!" Going somewhere? Get international travel and medical insurance with automatic COVID-19 Coverage: World Nomads SafetyWing ........................................................................................................ WORK WITH KRISTIN Book a private consultation Join the Make Money Mentorship 6-week program (Special offer for podcast listeners $100 off) Relocate abroad with Orbis Relocation or Poker Refugees Support the Badass Digital Nomads Podcast: Become a Patron Leave a 5* Review: https://lovethepodcast.com/digitalnomad Leave a voice message Submit a question or recommend a guest (feedback survey) Buy new Badass Digital Nomads Merch (Teespring.com/Stores/TravelingwithKristin) Connect With Kristin on Socials: Follow on Instagram Subscribe to Traveling with Kristin on YouTube Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.

Steve Rout is a British journalist, ski bum, tour guide, online marketer, and world traveler. Steve's long-term travel adventure began in 1982, when he put his successful journalism career on hold to travel the world. After years of traveling to different continents to ski, rock climb, and paraglide, he found himself back in a corporate office, which led to burnout and a mid-life crisis. So, he quit his job, taught himself web design, and has been working for himself from home for the past 19 years, making money online with SEO, marketing, and working as a tour guide in the mountains of Austria. Now 62 years old, Steve continues living life to the fullest and learning new skills every year. In this episode, we talk about how to "do you" and reinvent yourself at ANY age! If you've ever felt self-conscious or uncertain about pursuing your dreams or leading an unconventional life, this episode is for you! TOPICS DISCUSSED: LIFE DURING THE PANDEMIC: How Austria has dealt with covid-19 How the adaptation to pandemic life relates to war times Going through global trauma together Tourism in the Austrian mountains FROM A CORPORATE CAREER TO WORKING ONLINE: How does Steve monetize his websites? Why he experienced burnout and left his corporate job Why being your own boss is not for everyone REINVENTING YOURSELF: The reality of the infinite options you have Changing what you're not happy with and having no regrets Looking for opportunities to work and experience new things Fear of networking The magic of following curiosity and synchronicity LIGHTNING ROUND: Money-saving travel tips Practical business tools and editing software Tips for learning new languages Best spots to visit in Austria RESOURCES Thomas Alex Norman's YouTube Channel: www.youtube.com/channel/UCeu0J9A1p87aVUqZkMYF-_g Skyscanner: www.skyscanner.com AppSumo: www.appsumo.com Relay That: https://www.relaythat.com/ Keywords Everywhere: https://keywordseverywhere.com/ Answer the Public: https://answerthepublic.com/ Vegas Pro Editing Software: https://amzn.to/3jCSPvc Films Mentioned: Before Trilogy Before Sunrise Before Sunset Before Midnight Recommended Video Equipment: Sony RX100: https://amzn.to/3nkkOlI Sony RX100 V: https://amzn.to/2Swa4T7 Sony Z-V1 Vlogging Camera: https://amzn.to/2Swa4T7 Travel Destinations in Austria: Salzburg Linz Graz Vienna National Parks Shonbrun Palace Sausage stands Austrain Alps Things to Do & See: Tyrolean Alps Eagles Trail Walk Voralberg Austrian Tourism Board Website Get Travel Insurance with COVID-19 Coverage: World Nomads SafetyWing ........................................................................................................ WORK WITH KRISTIN Book a private consultation Join the Make Money Mentorship 6-week program (Special offer for podcast listeners $100 off) Relocate abroad with Orbis Relocation or Poker Refugees Support the Badass Digital Nomads Podcast: Become a Patron Leave a 5* Review: https://lovethepodcast.com/digitalnomad Leave a voice message Submit a question or recommend a guest (feedback survey) Buy new Badass Digital Nomads Merch (Teespring.com/Stores/TravelingwithKristin) Connect With Kristin on Socials: Follow on Instagram Subscribe to Traveling with Kristin on YouTube Subscribe to Digital Nomad TV on YouTube Join the Badass Digital Nomads Facebook Group Podcast descriptions may contain affiliate links of products and services we use and recommend at no additional cost to you.