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Unroll Me Review

Unroll.Me Review – The Best 5 Minutes for Your Email’s Inbox

Unroll Me Review

Unroll.Me Review – The Best 5 Minutes for Your Email’s Inbox

This Unroll.Me Review is going to show you why you should spend 5 minutes every month using this tool to clean up your email’s inbox. At the end of each month, your inbox will be writing you a thank you letter.

I wonder if it will send the thank you via email or snail mail?

In last weeks post, How to Pay Off Your Car Loan Faster – How I paid off $7K in 3 Months, I mentioned that I used Unroll.Me to remove advertisement distractions from my email.

Well, today we will talk about Unroll.Me and really just how easy it is to use!

What is Unroll.Me

To start off this Unroll.Me review, let’s answer a couple questions as to what the tool does and who the company behind the tool is.

Unroll.Me is a free service that allows you to easily (an understatement) unsubscribe from all of those pesky email subscriptions.

After signing in, the algorithm scans throughout your inbox looking for e-commerce emails. Once found, the application lists them out allowing you to decide what to do with the subscription.

Who Is Unroll.Me

Slice Technologies is the parent company that owns Unroll.Me. They are able to make Unroll.Me a free service because they collect data on the e-commerce emails you get. They use this data to, “build an anonymized market research products that analyze and track consumer trends.”

Slice says they strip all of the personal information (name, email, address, or anything else that could identify you) from the data collected. The technology behind Unroll.Me is designed to determine if the email is personal or e-commerce. The algorithm completely ignores the personal emails as it searches your inbox.

You can read their blog for more information to see what the data is used for. Some of the research they post is actually pretty fascinating but I am a nerd when it comes to data.

How to Use Unroll.Me

It literally took me five steps and less than five minutes of my life to unsubscribe from 74 subscriptions. I really could not believe that I was done already!

I will walk you through the steps…

  1. Go to Unroll.Me and click on ‘Get started now’.
  2. Choose your email provider and click through the prompts.
  3. The algorithm will run. It searches through your inbox for subscriptions then spits out a list of them.
  4. Click either ‘Keep in Inbox’, ‘Unsubscribe’, or ‘Add to Rollup’ (I’ll explain that later) for each subscription on the list.
  5. Success!

Was that not super easy? I know! Right?!?!

Oh! I mentioned I would talk about what  ‘Add to Rollup’ is. The Rollup is a single email that Unroll.Me will send to you at the end of the day. This email will consist all the content from every email that is apart of the Rollup from that day. I have not personally tried this yet but they say the Rollup email is very digestible and easy to read.

One final tip. You can have Unroll.Me notify you on a particular schedule to check for more subscriptions that were not in your inbox at the time. I decided to do the monthly reminder.

Why Unsubscribe?

We now live in a world where we are completely submerged by advertisements. The design of these advertisements is to tempt us to spend our hard earned money on materialistic items.

These ads do not stop with commercials, billboards, or temporarily tattooed to the back of that guy’s head on the bus. Subscription emails also drown us every day with more temptation.

Using the ease of Unroll.Me to unsubscribe from these emails trying derail us from our financial goals allows us to stay focused. This is why you should unsubscribe to these emails.

Also, they are just annoying. Unsubscribing will also help keep your blood pressure down.

Final Take

To wrap up this Unroll.Me review I must say that I really enjoyed my experience with this tool to free me from those spammy email subscriptions.

Look, I understand if you are skeptical because of the data collection. You are entitled to have those feelings! Especially after the latest Equifax data breach.

The algorithm design to strip out my personal information is what sold me to try out Unroll.Me. I understand if you are still skeptical after hearing that. But hey! As a data guy myself, I do know this technology exists and it is pretty amazing.

Overall, this is a great free service. If you can get over the data collection thing, then I think you will enjoy it just like I did.

Ultimate Lottery Guide – What to do if you Win the Lottery

What To Do If You Win The Lottery Header Image

Ultimate Lottery Guide – What to do if you Win the Lottery

After the recent big lottery wins, people have been searching for what to do if you win the lottery. The odds are only 1 in 175 million, but it has to happen to someone right. Everyone imagines it and it’s fun to think about, but if it actually happens, here’s what to do according to the Ultimate Lottery Guide.

1. Sign your Ticket

Many people buy Lottery Tickets and stash them in their wallet or purse knowing that it’s their lottery ticket. However, a Lottery Ticket is only owned by whoever has signed the actual ticket. So ALWAYS sign your tickets when you get them. It confirms ownership and the ticket must be signed in order to claim the lottery winnings anyways.

2. Tell No One

It’s big and wonderful news, but you need to think ahead to all the potential long lost relatives, friends and random people that may soon be sitting in your front yard wanting to be your best friend. You don’t want to be the bad person telling everyone “no” so avoid the awkwardness and tell no one. In 1984, Lottery Winner Mike Wittkowski received more than 1,000 letters at his home from strangers trying to tug at his heartstrings to receive money.

It might be fun initially to have 15 minutes of fame, but you may regret it months or years later when people you never met are ringing your doorbell. Stay quiet about it and don’t tell anyone until you come up with a plan with your financial team. The plan should deal with how to handle friends/family/strangers request for money and how to deal with the sudden fame/money.

3. Take Your Time

There is no rush to turn in your ticket during all the hype, you have between 90 days to 1 year from the day of the drawing to turn in your ticket. Each state is a bit different so check them out. You have some time to take a breath, let the hype die down, and get your team of financial experts together before you claim your prize.

  • Powerball, you have 90 days to 1 year to claim your prize depending on the state via Powerball’s website.
  • Mega Millions, you have 180 days to 1 year to claim your prize depending on the state via Mega Millions website.

4. Seek Financial Advice & Hire Finance Professionals

Hiring the right professionals will help you collect the most money from your lottery winnings, help understand tax rules and take care of the gritty details so you don’t have to. Like will you take the lump sum of cash or 30-year annuity? Consider these financial professionals for your finance team.

  • Financial Planner – They will help you set up a plan for your new wealth. They’ll help you understand the benefits of taking the lump sum versus annuity and they will work with you to set up your goals, analyze your assets and set up a budget so you can make the most out of your money and not blow it. A study of lottery winners in Florida found 70% of winners spent all of their lottery winners within 5 years of winning. Don’t be one of these people, consult with a financial planner. To find a good Financial Planner check out the CFP (Certified Financial Planner) Board for a list of Certified Financial Planners in your area.
  • Tax Attorney -There will be a lot of tax (state taxes/federal taxes/gift taxes/corporate taxes and other taxes) issues that come up about Lottery Winnings. Hire a good lawyer to help you with this. To find a good lawyer, check out the reviews on LegalZoom, RocketLawyer, LawTrades and Avvo for lawyers in your area that are highly recommended and have experience handling large sums of money.

    To give you an idea, the government will withhold 25% of your winnings before you even touch it. Then, of course, you’ll have to pay State Taxes as well. Maybe even Municipal Taxes depending where you live. The rest is paid at tax time where the IRS will tax you in the top income bracket at 39.6% (source). In the end, you’ll be taxed nearly 40% on those initial winnings depending on your state.

  • Accountant – This is the person who will have a good idea how much of the lottery winnings you’ll need to set aside to pay off all the taxes. They will help plan throughout the year on the best ways to mitigate taxes and keep the most of your money. Plus with that amount of money, you’ll want someone handling all your taxes for you. To find a good Accountant, check your local Society of Certified Public Accountants directory to find a certified Accountant to help with your needs.
  • Estate Attorney – They will help you with structuring and protecting your assets. They assist people in drafting and implementing legal documents, such as wills and trusts. It’s good to have a plan for your assets in the event of your death. Who will your money go to and/or should a trust be set up for your heirs. As mentioned with finding a good Tax Attorney, check out the reviews on LegalZoom, RocketLawyer, LawTrades and Avvo for lawyers experienced with wills, trusts and large sums of money.

5. Claim your Prize – Anonymously

Here’s the deal, Big Lottery wants to promote you and share with the world that a real, regular person won the lottery. Often times state law mandates sharing your name with the public. However, you can claim your prize anonymously a couple of different ways.

  • 6 States allow you to remain anonymous – Delaware, Kansas, Maryland, North Dakota, Ohio and South Carolina.
  • 4 States allow a trust to claim your prize – Colorado, Connecticut, Massachusetts, and Vermont will allow a trust, usually, a trustee (typically a lawyer) to claim the prize without disclosing the name of the lottery winner.
  • 2 States allow you to remain anonymous IF – Illinois and Oregon have made exceptions to making lottery winners names public if the winners demonstrate a high risk of harm by revealing their name.

If you’re not in one of these states that allow you to claim your lottery winnings anonymously. Do what this guy did and hold the check over your head when you receive the lottery winnings.

What To Do If You Win The Lottery - Cover Your Face

You can also sign your first name with your first initial to make it harder for people to track you down.

You may also want to get off social media like shut down all your accounts if you win the lottery. This may sound extreme, but keep in mind that people will start searching for you online, going through all photos, friends, where you work and personal details. They may try to stake out at your favorite bar or harass your friends to meet you.

6. Create a middle man for money request

If people hear about your new winnings, you’ll likely have people from all over asking for money. Addressing all of these can be overwhelming and potentially depressing. Consider setting up a middle man to say “no” for you.

When a long lost friend comes out of the blue asking for money, or with a really great investment idea. Send them to your “middle man”, usually a lawyer, who could review all potential investments for you. You can say that they are better at investing than you, which may be true. So they can say “no” and you don’t have to feel bad telling your friend or anyone no. This will save your sanity and emotions from being the bad guy and help not waste your time/money on bad investments.

7. Pay Off All Your Debt

If you do anything with your money first, it should be paying off all your debt. You are entering a new phase of your life and it should be started off debt free.

Even if you go broke in a couple years, you’ll least have all your debt paid off to pick up your life where you started off.

8. Avoid Sudden Lifestyle Changes

While you shouldn’t be doing anything until you can physically hold the money, even after that you should avoid sudden lifestyle changes for the first 6 months. Buying that Ferrari or Land Rover, second house for your entire family, extravagant vacations can all feel like a nice reward for all your hard work, but these impulse buys could quickly deplete your lottery winnings.

Consider instead renting an apartment in that cool neighborhood you want to live in or doing an exotic car rental for a day to try different sports cars. It’ll take you awhile to understand what you want. Find out what really makes you happy before you go on a spending spree and work with your financial planner to set a budget for frivolous things to buy so that you’re still maintaining a nice nest egg for your family in the future.

9. Live within a budget

Ideally, you should only be spending the interest you’ve made off the lottery winnings. If you do this, you’ll never run out of money. The annual interest of a $100M or more lottery winnings will be more than enough to live off of the rest of your life. Especially with a good financial planner.

Otherwise, work with your Financial Planner to set up a budget live within and understand how long your money will last with your current spending habits.

10. Protect your Assets

Consider getting Liability Insurance to help with potential lawsuits against you. With your newfound money, you will be a target for anyone wanting your money. Liability insurance will help for trip-and-fall lawsuits, personal injury claims against you like libel and slander, and freak accidents. This provides an additional layer of security.

Self Improvement – Get Rid of Your Distractions Right Now – Part 1/4

Self Improvement – Get Rid of Your Distractions Right Now – Part 1/4

I am going to try something new for a self improvement article that has not been done here on Wallet Squirrel yet. Starting this week I am going to do a little mini series about getting rid of distractions within my own personal life. This series will go for the next 3 months with an article being released at the beginning of each month. It will be during the same week when Andrew releases one of his awesome income reports.

This will not be one of your typical self improvement articles where I list off a bunch of things for you to try. No, this is a list of items for me to go out to personally experience it for you! Over the years I have been reading article over article about self improvement, and do not get me wrong, there are some good tips out there. The issue is most of the writers have never tried these “self improvement” tips themselves so how do we know if they work?

Getting rid of distractions is key to self improvement. Without those distractions you can work on what you truly love.

Getting rid of distractions is key to self improvement. Without those distractions you can work on what you truly love.

One of my favorite writers about self improvement is Z from Zero to Skill. He often writes about his own personal experiences on becoming a better and more productive person. One article I loved was his Ultimate Guide For Waking Up Early. He walks through what helps him and what did not work out to help him get up in the morning after years of trial and error.

This personal touch is what I want to bring to this mini-series. My goal is to give you several ideas throughout the series on decluttering your life to for self improvement and increase your productivity.

The Beginning – Part 1 of 4

Today we will talk about the foundation as to why and what I plan on doing over the next three months. Today we will talk why we should all get rid of distractions in our lives. Then I will lay out some goals that I want to accomplish. Then I will set out for a month using several techniques I have researched about over the years. Part 2 of the mini-series will talk more about those techniques and what did or did not work out.

Let us begin!

Why Getting Rid of Distractions is Beneficial to Self Improvement?

Just this past weekend my pastor at church talked about work during his sermon. One thing he mentioned really resonated with me. He talked about what if everyone would cut back on all extra clutter in life (ie. Playing on the Xbox, watching Netflix, looking at Facebook, etc)? Then he asked, what if everyone took that time/energy and put it into their passions instead? Think about how much more productive and successful those individuals would be.

Now this is not the first time I have heard these questions about people spending more energy on their passion rather than only being consumers of unhealthy distractions. Sadly, I cannot remember those other examples but this is my most recent encounter with the thought.

The Fear

The thought of removing all of this extra clutter in my life seems really scary at first. I think, “What if a better video game such as COD: WWII comes out?” Or, “What if I miss some big important message or video of a cat saving a dog’s life on my Facebook feed?” This fear is FOMO, the fear of missing out. Just recently, I have only begun to understand that this stuff does not really matter in life. What I should be worrying about is my family, my friends, hiking in the Colorado mountains, along with other passions such as working on websites.

After coming to this realization I was able to clearly see that there are so many materialistic items in my house that I really did not use anymore. The only reason I am holding on to them is because of that “What if” moment. For the first time, I was free to let go of those items.

Question: Go ahead, take a look around your house. Do you have any of these items in your house? What is your goal by getting rid of distractions for self improvement?

For me, it is all about getting rid or minimizing these distractions so I can become more financially free from debt. This will be accomplished by replacing Facebook, the Xbox, as well as reducing Netflix to spend more time on Wallet Squirrel, Adam Olson Photography, and other side hustles. This will all lend me to enjoy my family and friends more.

Ugh! Facebook…..

My Story

Getting distracted is very easy for me. Especially when I have something in front of me such as an Xbox, Netflix, or Facebook to distract me.

There is something that Marc from Surviving Prepper said that really caught my attention.

“If you eliminate items in your life that are not needed, you have room for items that are needed”

For me, I see this as I need to remove the distractions in my life so I can really focus on what is important to me (God, family, friends, fitness, and yes…Wallet Squirrel).

I tend to be a very materialistic person. These fun but worthless items keep me distracted on what really matters, my family, life goals, health, and so on. It is time to make the sacrifice by selling a bunch of items in our house that seem to add more value to my life but really do not. Some of these items include an extra 42 inch TV, an Xbox, a couple old laptops, an old camera, and whatever else I find.

I also like to watch a lot of Netflix on my own while working on tasks. It really slows down my productivity. Netflix will not get canceled because I also enjoy sitting down with my wife to watch a show or movie. Instead, I will set a rule that Netflix watching is only when I am with her.

Social media and Netflix are major distractions for me.

Social media and Netflix are major distractions for me.

The biggest step self improvement will be dropping social media sites such as Facebook. I have tried many ways to avoid this evil distraction but I cannot get away from it. Because I use Facebook messenger to communicate with my best friends and some are too stubborn to switch services **Cough**Cough** Andrew **Cough**Cough** I cannot get rid of Facebook altogether. So I will use Cold Turkey to block the site on my personal and Home computers as well as my phone.

Side Note: If you do not know what Cold Turkey is, I highly recommend you check it out. It allows you to block any distracting website on your computer or application on your phone. You can set up custom schedules to when and when you cannot access these websites or applications. It is really helpful!

Self Improvement Goals in the Next Four Weeks

I have a lot to accomplish in the next four weeks till the June follow up article comes out. Below is a set of goals I plan on accomplishing before the next follow up.

  1. Sell extra items that can be a distraction. I will sell the items just like Andrew did in his article How to Sell Something on Craigslist and Make Money. This extra money will go towards paying off our car loan quicker.
  2. Finish our backyard renovation. This project has been a HUGE distraction the past couple of weeks. We completely tore up the backyard and are starting all over with a blank slate. In a future article, I will write about this experience and save over $4,000 in costs! Stay tuned!
  3. Start waking up earlier, 5:00 AM, to work out. Using Z’s method, mentioned above, I will try to wake up earlier to work out on a consistent basis. It is well known that people who work out in the morning tend to be more productive during the day. My wants are there but the will is not so this is going to be a challenge.
  4. Stay focused on achieving my goals one percent at a time. There is nothing wrong with having big goals but trying to accomplish them all in one big chunk is setting yourself for failure. Instead, it is better to divide those large goals into smaller goals and accomplish those. I will focus on to only complete smaller tasks each day that get me one percent closer to completing my overall goals.
  5. Set up my next day the day before. Each night before bed I want to layout my plan of attack for the next day. This will not require much time, maybe 10 to 15 min. Here I will plan out the smaller tasks that I want to conquer.

 

Wakey! Wakey! Time for eggs and bakey!

What to Expect in the Follow Up

I will go over if I accomplish these goals or not and the techniques/tips used for each goal. There will be a detailed review of what I did to accomplish each one and what you can do for yourself. If I fail, I will go over what did not work and adjustments to be made.

Stay tuned for the remainder of this raw adventure giving yourself real life tips and tricks to getting rid of distractions for self improvement.

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