Funding Your Transportation Company: Financing Solutions

Managing and expanding a transportation company can be a daunting task, particularly when it comes to securing the necessary financial resources. Whether you are running a small logistics firm or a large-scale transport operation, finding the right funding is crucial for acquiring modern vehicles, hiring skilled drivers, and maintaining seamless business operations.

This article delves into the multitude of financing options available to transportation companies. From traditional loans to investment opportunities and grants, we will guide you through various avenues to empower the growth of your transportation enterprise.

Exploring Loan Alternatives

Securing a business loan is a common and accessible approach for financing your transportation company. Business loans provide the flexibility to cover a wide range of expenses, including vehicle purchases and operational costs. Here are key considerations when exploring loan options:

Traditional Bank Loans

Traditional bank loans stand as a reliable source of financing for transportation companies. They typically offer competitive interest rates and extended repayment terms. To secure a bank loan, ensure you have a solid business plan, robust financial statements, and a favorable credit history.

Online Lenders

Online lenders have emerged as a popular alternative to traditional banks. They often boast quicker approval processes and more flexible credit requirements. However, be mindful of potentially higher interest rates and thoroughly compare your options before choosing an online lender.

Exploring Investment Opportunities

Seeking investment opportunities is another avenue worth exploring for your transportation company. Here are some options to consider:

Angel Investors

Angel investors are individuals who provide capital in exchange for equity ownership in your business. They not only offer funding but also bring valuable industry insights and connections to the table. Finding the right angel investor can be a game-changer for your transportation enterprise.

Venture Capital

If you have ambitious growth aspirations and are willing to cede a portion of your company, venture capital firms may be a viable option. They specialize in funding high-growth businesses and can provide substantial financial backing.

Grants and Innovative Funding Sources

In addition to loans and investments, transportation companies can explore grants and innovative funding sources to bolster their operations. Here are some noteworthy facts about grants and other funding avenues:

  • Government agencies and private organizations often offer grants to support specific initiatives, such as enhancing environmental sustainability in transportation.
  • Alternative funding sources encompass crowdfunding campaigns, peer-to-peer lending, and equipment leasing.
  • Small business financing can address your company’s daily working capital requirements.
  • Providing an exceptional customer experience is paramount for transportation businesses.

By diversifying your funding sources, you can ensure that your transportation company maintains the financial stability needed to excel in a dynamic industry. Each financing option comes with its advantages and disadvantages, so conduct thorough evaluations to align them with your business objectives and financial capabilities.

In conclusion, financing your transportation company is a pivotal step toward fostering its growth and success. Whether you opt for traditional loans, explore investment opportunities, or tap into grants and alternative funding sources, make informed decisions that align with your long-term vision for your transportation business.

Business and Career: Embarking on a Knowledge Expedition

This article delves deep into the domains of entrepreneurship, career advancement, and optimizing workplace efficiency, illuminating the path to success in the professional arena.

Exploring Entrepreneurship

Entrepreneurship is the bedrock of innovation and economic progress. In the ever-evolving landscape of today’s world, entrepreneurs are the trailblazers who spearhead revolutionary concepts and business endeavors. They are adept at recognizing opportunities, taking calculated risks, and nurturing companies that redefine entire industries.

Entrepreneurship encompasses a diverse spectrum of facets, ranging from conceiving groundbreaking ideas to executing visionary strategies. Successful entrepreneurs are distinguished by their unique blend of creativity, adaptability, and unwavering determination. They consistently create value, disrupt traditional markets, and leave indelible imprints on society.

Key Attributes of Entrepreneurship

  • Visionary Thinking: Pioneering entrepreneurs possess the ability to envision the future and chart innovative courses of action.
  • Risk Management: They adeptly evaluate and manage risks, ensuring that calculated gambles yield substantial rewards.
  • Adaptability: Entrepreneurs thrive in dynamic environments, readily adapting to evolving circumstances.
  • Innovation: They continuously foster innovation, pushing the boundaries of what is possible.

Charting Your Career Development

Career development is an enduring expedition that necessitates meticulous planning and continuous learning. A well-defined career path framework serves as the North Star, guiding individuals in their professional odyssey. This framework precisely outlines the competencies required for specific roles and seniority levels within an organization.

Understanding the multifaceted skill sets demanded by various functions within a company is pivotal. Career pathways offer transparency and clarity, empowering employees to discern potential role progressions and areas warranting enhancement.

The Significance of Career Pathways

Career pathways fulfill several pivotal roles:

  • Clarity for Employees: Employees gain lucidity regarding their potential career trajectories.
  • Identification of Shortcomings: Pathways aid employees in identifying skill gaps, facilitating targeted improvement.

Maximizing Workplace Efficiency

Efficiency within the workplace constitutes a cornerstone of success, both for individuals and organizations. It encompasses the optimization of processes, adept time management, and resource utilization par excellence. A productive workplace fosters innovation, growth, and employee satisfaction.

Efficiency is not merely a matter of toiling harder; it involves working smarter. It mandates the adoption of tools, strategies, and best practices that streamline tasks and curtail superfluous overhead.

Strategies for Enhancing Workplace Efficiency

  • Time Management Techniques: Mastering time allocation and prioritization.
  • Automation and Technology Integration: Leveraging cutting-edge technologies to streamline operations.
  • Effective Communication: Facilitating clear and concise communication channels within the organization.
  • Collaboration and Teamwork: Fostering collaboration among team members for improved productivity.


As we conclude this enlightening expedition into the realm of business and career development, it is evident that success hinges on embracing entrepreneurship, navigating well-defined career pathways, and maximizing workplace efficiency. These principles, coupled with an unwavering commitment to continuous learning and growth, are the compass guiding individuals and organizations towards unparalleled heights of achievement.

'Billions' creators discuss that game-changing exit in season 5 finale (2023)

“It feels like we’re at the end.”

Sadly, Ben Kim, we are at the end of Bobby Axelrod… at least for now.

So much went down in Sunday’s season 5 finale of Billions that we might need 43 hours to talk about it all, but the biggest news is the departure of original star Damian Lewis. The Emmy winner’s decision to take a step back has long been in the works, and also follows the April death of his wife,actressHelen McCrory.


Damian Lewis on ‘Billions’

| Credit: Jojo Whilden/SHOWTIME

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Again, a lot to discuss from “No Direction Home,” but here are some of the important highlights: Chuck (Paul Giamatti) finally has Axe on the verge of arrest, only to be betrayed by Michael Prince (Corey Stoll), who strikes a deal to buy Axe Cap, the bank, and Taylor Mason Carbon; Wendy (Maggie Siff) and Axe’s romance ends before it starts as he flees to Switzerland; Dollar Bill (Kelly AuCoin) and Mafee (Dan Soder) walk out on the new administration, while Wendy, Taylor (Asia Kate Dillon), and Wags (David Costabile) are stuck working for Prince, who becomes Axe’s successor, both as a businessman and as Chuck’s target.

“I got rid of the guy in the chair… I’m the one sitting in it,” boasts Prince, literally taking Axe’s seat, to which Chuck responds, “Not for long, pal. Not for f–ing long.”

Thankfully, we won’t have to wait f—ing long to see what’s next, as Billions season 6 is set to premiere Jan. 23, and the trailer can be seen below.

Billions: Bobby Axelrod’s 10 Best Quotes

To tide you over until early next year, EW chatted with creators Brian Koppelman and David Levien about crafting Lewis’ exit, making Prince the new king, and looking ahead to the end.

ENTERTAINMENT WEEKLY: I have to start with the most obvious question: Was that officially goodbye to Damian and Axe?

BRIAN KOPPELMAN: The goodbyes on Billions and the hellos on Billions are never permanent; nothing is etched in stone. But that said, Damian’s time as a regular on Billions has come to an end. The guy delivered for us in such an incredible way. What he did in making Bobby Axelrod an icon is really remarkable. Knowing the conditions in which he performed, traveling back and forth to England for years to be with his family, it’s impossible to imagine just how hard and focused that guy worked. We feel really honored and lucky to have had five years of being able to know that Damian Lewis was Bobby Axelrod. But, again, not saying it’s goodbye forever.

How did we arrive at this point? Has this long been the plan, or is it a more recent call? Obviously, we know Damian and his family suffered a painful loss earlier this year.

KOPPELMAN: We started talking to Damian about it three years ago. And we’re incredibly sensitive to talking about… I mean, he lost his wife, who was a wonderful person and a great artist. But I would say for a variety of reasons we started talking to him three years ago and he expressed the thought that in all likelihood he would want to be spending more time with his family and really be more in England at the end of a certain period of time, and could we start planning Axe’s departure from being a regular on the show. It was amazing that he came to us that far in advance and trusted us with what was going on in his life and with what his thinking was so that we could do things like bring Mike Prince in and be really aware in the plotting and planning of season 5. And it also made us know, okay, here’s where season 4 needs to go to set up the events of season 5 so that we could do this at the end of it.

That is lucky because most shows don’t get that kind of notice when a star decides it’s time to take a step back. So, in the end, what made this the place you wanted to leave the character, at least for now?

DAVID LEVIEN: We wanted to make sure that we explored all of the areas where a character like this would go in his life. Whether it’s the privilege, the power, the frustrations. So we laid it out and had lots of discussions in the writers’ room about the outcomes that could land for a character like this. We also had a keen awareness of our audience, what they wanted, their expectations, and tried to figure out a way that we could both deliver on those things and not play into it in an obvious way, so that there were still surprises, and that everything made sense and had an eventuality to it on a character-level and a real world-level, but also was dramatic and exciting.

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KOPPELMAN: Another part of the gift of being able to plan this for years was that we could have our antennas out for what was going on in the way people in the real world were crashing the narrative of this question of outsized wealth. And the way in which you couldn’t really have Axe himself try to relanguage what it meant to be a billionaire, but we were able to find a new character in Mike Prince who could take on the language of the next evolution, meaning the next forward-facing evolution of the incredibly successful and powerful financial sector billionaire. And language it in terms of being a force for good. Bobby Axelrod would never even give lip service to this notion that he was amassing this wealth for anybody but himself and his family. Now you have people talking about the utility of money and how they can do good, and we wanted to put this question on the table of, is there such thing as a good billionaire, which we couldn’t ask that question with Axe, but we could really ask with Mike Prince.

LEVIEN: Axe sprang of a time when there was a huge amount of privacy around these hedge fund billionaires because they recognize how the culture could look at their wealth. But over the years, there became a new version of it that was much more public and interested in trying to express that they were creating a positive change in the world that went along with their wealth. It was a new narrative, so we were able to jump on that and the show evolved.

Before getting into Prince and wrapping up the Axe talk, I love that we got to see Chuck and Axe spar a few more times. It felt like the old days! For you guys, was it important to throw these two together as much as possible and put a little cap on that relationship?

KOPPELMAN: From the very beginning of the series, we’ve really tried to be specific about how frequently we would allow them to directly interact so that each time it would be like Ali-Frazier. So, in this season finale, we felt like we earned the first scene, which is sort of like the pre-fight padder at the weigh-in, with the microphones there for the public, and then we’d see the main event with the two of them really squaring off in that conference room.


Damian Lewis and Paul Giamatti on ‘Billions’

| Credit: Laurence Cendrowicz/SHOWTIME

I remember talking to Corey when we debuted the first look of him on the show, and he joked that there had been a couple opportunities in the past to join, but he’d been waiting on something a little juicier. He definitely got that with Prince! Did Corey know coming in that this was the plan for him and the character?

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KOPPELMAN: He knew. Even when he had that convo with you, he knew.

LEVIEN: We wanted to work with Corey for years and years. We’d loved his work, and he’d come and done a table read for a movie of ours, and we thought he was incredible. And then, like you said, we talked to him about various opportunities to be on the show. He was hard to book because he was busy all the time. So often we would find little gaps in his schedule and come to him with something that was a little more limited in scope because we thought that he would have the time to do it. But those aren’t the characters that get to do the really meaty stuff. So we waited and bided our time and then really set this up so that he could have full banquet with this character.

How do you anticipate the Chuck and Prince dynamic comparing and differing to what we’ve seen unfold through the years between Chuck and Axe?

KOPPELMAN: You did a really good job of framing that question, but we never give any kind of spoiler stuff like that. So I would just say Billions season 6 really does have all the stuff you love about the tone and ensemble and feel. It is a Billions season, but it is structured differently; it’s the next evolution of the show. But the characters are still set. All the characters still have their own needs, desires, wants, and those needs, desires, wants might very well come into conflict with other characters on the show.

LEVIEN: Brian used the word evolution and I would say that the characters evolved too, and Chuck’s strategy and toolkit has to evolve to deal with this new foe.

You’ve long avoided “going there” with Wendy and Axe. So, even if Axe contends that they never really started it, why did you finally decide to steer in that direction? Especially knowing that Axe was about to be coming off the board.

KOPPELMAN: That’s something really important there, Derek, which is they never really do start it. That just felt like where the characters needed to go, which is to say everything. Departures are an incredible opportunity to say what’s unsaid. And it happened really organically. When we understood where Axe was going and the pressure Axe was going to be under and where Wendy was and what Chuck was going to do, it just seemed clear that there would be this moment that Wendy and Axe could look at each other and say the thing that they’ve wanted to say. For us, the reaction to it from the audience and the way they’ve grappled with the question has been perfect.

Wendy tells Taylor that they’ve basically become Axe on his worst day. You have Taylor really coming to grips with who they’ve become, and even advise new protégé Rian (Eva Victor) to run from the industry. What did you want to send Taylor through here in these last few episodes?

LEVIEN: Taylor is another one of the characters who’s evolving. If you look at a younger character like that on this continuum, who has this exposure to this increasing wealth, it’s about what that wealth can potentially do to a person and a character. Those are the forces that are buffeting Taylor and affecting that character that started in one place, perhaps more idealistic and younger in various ways, and now is really in it and grappling with what all that money and power does to an individual. They’re very much in it.


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Maggie Siff and Asia Kate Dillon on ‘Billions’

| Credit: Jeff Neumann/SHOWTIME

We know Taylor and Wendy are almost stuck at what was known as Axe Cap, but you have Dollar Bill and Mafee quitting in favor of a team-up. Why were those the two that you decided to remove from the office? For comedy purposes alone, it seems like a winning move.

KOPPELMAN: A lot of this stuff is instinctive and just what feels right; it’s how we’ve written the whole show. You write this moment of Mike Prince coming in and saying, “I own all this,” and suddenly as you’re writing, it’s just like Dollar Bill’s like, “F— it, I’m out of here,” and Mafee is like, “Me too.” It’s, oh my God, of course.

LEVIEN: Dollar Bill was so bonded to Axe and Axe’s way of doing things that it really felt like he couldn’t stay. And Mafee had gone through other sorts of rapids between Taylor and Axe and his loyalties and leaving and coming back. Like Brian said, it just felt like the right thing that they should get in that elevator together.

KOPPELMAN: And then there are some great things that came out of that, right? Which is the audience gets to know that even though Dollar Bill and Mafee are not at Axe Capital, or what’s going to be Michael Prince Capital, they’re together somewhere in an office. And obviously, that creates lots of opportunities potentially for story.

I wouldn’t dare ask for a season 6 tease, but Ben Kim (Daniel K. Isaac) saying it feels like we’re at the end made me wonder if you’ve mapped out the endgame for the show and when that would come into play. Or will it be more based on instinct in the moment?

KOPPELMAN: We do understand the way in which we will eventually end the show. But we’re not there yet. And we think that this whole situation presents the opportunity for a lot of storytelling that’s compelling to us. We’re still completely engaged with these characters and this story and this world. And so while we know what the end game would be, we don’t feel like we’re there right now.

I don’t know if reinvigorated is the right word, but when you’re five seasons into a show and a main character leaves and an exciting new one enters and rises to prominence, does that get the creative juices flowing in a different way?

LEVIEN: Oh, a hundred percent. It’s all new opportunities. We’re as fascinated with this world as we were at the beginning and why we wanted to do the show. And still totally engaged with some of the characters that have been there but also dying to explore these new characters that we have played by such talented actors.

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KOPPELMAN: We still get to write for Paul Giamatti and Maggie Siff and Asia Kate Dillon and Dave Costabile and Condola Rashad and Jeff DeMunn. And then to write for Daniel Breaker, who’s just a f—ing superstar, and for Eva Victor. We have all these really amazing opportunities that keep us totally here and focused.

Related content:

  • Showtime cashes in season 6 renewal forBillions, Corey Stoll to return as series regular
  • Billionsis back! The Axe and Prince showdown continues in first look at long-awaited return
  • NewBillionsstar Corey Stoll is ready to go to war with Axe

VOO vs VFIAX: Which Vanguard S&P 500 Fund is Better? (2023)

VOO (Vanguard S&P 500 Index ETF) and VFIAX (Vanguard S&P 500 Index Fund Admiral Shares) are two of Vanguard’s most popular low-cost funds. Each of these Vanguard funds:

  • Is very tax-efficient
  • Has a lower expense ratio than their peers
  • Is arguably a better investment than most active funds with similar investment objectives

This article will explore both of these Vanguard funds in depth. Specifically, we will discuss their

  • Investment focus
  • Relative performance
  • Investment holdings & size
  • Turnover & tax impact in an investment portfolio

However, there are differences between each of these funds. The main difference is that one is a mutual fund while the other is an exchange-traded fund (ETF).

Since VOO is an ETF and VFIAX is a mutual fund, we’ll start by discussing the differences between ETFs and mutual funds.



  • The differences between mutual funds and ETFs
    • Liquidity
    • Tax efficiency
    • Differences in trade execution
    • Mutual funds have share classes
    • Mutual funds might have transaction fees
  • Investment Focus
  • Where this might fit in an investor’s portfolio
  • Top Ten Holdings
  • AUM Comparison
  • Performance comparison

The differences between mutual funds and ETFs

ETFs and mutual funds are investment vehicles which provide individual investors the means to invest modest amounts of money into a wide variety of different assets. These assets might be bonds & CDs, equities, commodities, or other assets that an individual investor might not have access to without an investment broker.

In the case of VOO and VFIAX, those pooled investments consist solely of individual U.S. stocks. In fact, for both funds, that pool is limited to the 500 largest U.S. companies.

Let’s look at some of the key differences between an ETF and mutual fund.


Liquidity is arguably the biggest major difference between mutual funds and ETFs.

Mutual fundsare managed by a manager. The responsible mutual fund company sells shares of a mutual fund to individual investors.

The value of these shares is called the net asset value (NAV). The NAV is based upon the combined value of the underlying investments. The NAV is calculated daily, after the stock market closes at the end of the trading day.

When an investor redeems a mutual fund, the mutual fund manager isbuyingback those shares. But the transaction does not occur until after the exchanges have closed. After market hours, the NAV is recalculated, and the mutual fund shares are redeemed at the new NAV value.

ETFsare traded on a stock exchange, just like stocks are. That means ETFs can be bought and sold throughout the day. Since another investor is the other party, the trade executes immediately.

(Video) VOO vs VFIAX | Vanguard Index Funds for Beginners 2020 | Vanguard S&P 500 Index Fund

This might not be a big deal during normal times. However, does matter during times of greater volatility in the stock market. Especially when severe stock market changes force the markets to close during the trading day due to excessive selling.

For example, during the early days of the coronavirus pandemic, the entire U.S. stock market closed in the middle of the trading day. This happened several times on multiple occasions.

ETF holders who wanted to sell shares could do so more quickly than mutual fund investors. Accordingly, most ETF investors experienced smaller declines than their mutual fund counter parts.

Tax efficiency

Index funds, whether they are ETFs or mutual funds, can be extremely tax-efficient. But ETFs have an edge over mutual funds.

When a shareholder redeems shares of a mutual fund, the manager needs to retain sufficient cash to ensure they are able to redeem those shares. When if there are a lot of investors that want to sell at the same time, that fund manager might need to sell additional stocks to come up with the cash. This generates more capital gains, which are passed onto the remaining shareholders.

On the other hand, when ETF investors sell their shares, another ETF investor is buying those shares. That means there a fund manager doesn’t have to generate capital gains to buy those ETF shares.

Differences in trade execution

There are several differences in how ETF trades work and how mutual fund trades work. Here are three ways that ETFs trade differently from mutual funds.

ETFs have different purchase minimums.

The purchase minimum for an ETF is 1 share.Since ETFs trade like equities do, most ETFs can be traded on any trading platform with minimal or zero transaction fees. So an investor can buy 1 share, or 10,000 shares of the same ETF at the same transaction cost.

Mutual funds usually have a minimum initial investment.This minimum investment is expressed in dollars.

For example, when the minimum investment for new investors purchasing VFIAX at Vanguard is $3,000. You can buy shares of VFIAX at Schwab for less than $3,000. However you would also pay a $49 transaction fee for each executed trade, which makes investing in this manner cost-prohibitive.

Most trading platforms will allow you to buy fractional shares of a mutual fund when purchasing a specific dollar amount. This makes dollar-cost averaging very popular amongst mutual fund investors.

But you usually can only buy whole shares of an ETF. The main exception appears to be M1 Finance. M1 Finance allows investors to invest in fractional shares.

Finally, mutual funds are more widely available than ETFs.

ETFs probably won’t be an investment option in your workplace retirement plan

Because they require whole shares to be traded, you probably won’t see ETFs in a 401k or 403b plan. Realistically, their tax-efficiency doesn’t do much good in tax-deferred accounts.

But you’ll see mutual funds. Many times, there are different versions of the exact same mutual fund. And that’s because mutual funds often exist in different share classes.

(Video) Which Is Better VOO or VFIAX? [VFIAX vs VOO ]

ETFs do not have a share class.

Mutual funds do, because larger investment in a mutual fund means less investment risk for the mutual fund manager. In exchange for less risk, mutual funds often offer lower expense ratios.

For example, Vanguard’s Core-Plus Bond Fund exists in two share classes: Investor and Admiral. You can start with the Investor share class (VCPIX) at a $3,000 minimum investment, but the expense ratio is 0.30%. Admiral shares (VCPAX) have a lower expense ratio at 0.20%, but the minimum investment amount is $50,000.

VFIAX has a $3,000 minimum investment for Admiral shares, which is the only share class for that fund.

Aside from share class differences, you might see some fees in a mutual fund that you won’t usually see in ETFs.

Mutual funds might have transaction fees

ETFs generally don’t have transaction fees, since they’re traded like stocks.

But for mutual funds, transaction fees largely depend on who is issuing the mutual fund, and how you are buying the fund.

For example, if you are a Vanguard account owner buying a Vanguard mutual fund, there are zero transaction costs. But if you’re buying that same Vanguard fund in your Schwab trading account, you’ll likely incur transaction fees.

And that’s for no-load funds. No load-funds, like Vanguard, are mutual funds that do not have a commission attached to them. Many mutual funds are called load funds. This means they charge a commission every time you

  • Buy shares of the fund
  • Sell shares of the fund
  • Or both

But if you’re into dollar cost averaging, then mutual funds have an advantage over ETFs.

Since both VOO and VFIAX have the same investment focus, let’s take a look.

Investment Focus

VOO and VFIAX are both low-cost whose investment objective is to track the Standard & Poor’s 500 Index. Both VOO and VFIAX purchase individual stocks in the proportions represented in the S&P 500 Index.

Both funds focus on replicating their benchmark index, not outperforming it. This leads us to wonder what exactly is the S&P 500 Index?

What is the S&P 500 Index?

The S&P 500 is one of the world’s oldest stock indices, and arguably one of the most famous. Created by Standard and Poor’s (now known as S&P Global) in 1957, the S&P 500 Index represents the 500 largest publicly traded U.S. companies.

In fact, John Bogle, Vanguard’s founder, created the indexing investment approach by creating the Vanguard S&P 500 Index fund as the world’s first index fund.

(Video) Total Stock Market vs. S&P 500 | VTSAX vs. VFIAX

As of the quarter ending 3/31/2022, the S&P 500 Index had 505 U.S. companies representing approximately $40.3 trillion in market capitalization. This represents about three-fourths of the U.S. stock market.

As of 3/31/2022, VOO and VFIAX held individual stocks in 506 publicly traded U.S. companies.

Where this might fit in an investor’s portfolio

To pick either VOO vs VTSAX as the best index fund is not practical unless you look at the overall investment strategy. Each of these low-cost index funds has a specific purpose in an investment portfolio.

VOO & VFIAX would appeal to investors who feels that they have enough exposure to small-cap stocks and international stocks in other holdings. That investor may choose VOO or VFIAX to focus on large-cap stocks while getting into some mid-cap companies at the lower end of the index.

Top Ten Holdings

Let’s take a closer look at the top ten holdings in VOO and VFIAX.

Tech companies dominate the S&P 500’s top ten holdings. There are two exceptions:

  • Berkshire Hathaway, managed by Warren Buffett
  • UnitedHealth Group, another health care company

The top ten comprise a little more than 30% of the overall net assets for VOO and VFIAX.

That leaves the remaining 70% allocated to about 490 or so remaining S&P 500 companies.

Let’s take a look at the overall holdings, by sector, of the S&P 500. Each fund’s holdings is represented by a pie chart from its respective index. This should make it easier to visualize.

Overall Holdings

In the S&P 500, the tech sector reigns supreme (28% of holdings), followed by health care (13.6%), consumer discretionary goods (12%), and financials (11%).

Let’s look at the total assets under management (AUM).

AUM Comparison

Vanguard’s index funds are some of the most popular funds in the world. Whether you’re discussing mutual funds or ETFs, their low fees make them highly desired, particularly by long term investors.

Since they are two versions of the same fund, VFIAX and VOO have a combined $841 billion in net assets.

Let’s take a look at their performance, both in absolute terms, and compared to their benchmark, the S&P 500 Index.

Performance comparison

The goal for both VFIAX and . That means their investment returns will always lag behind due to two factors: management expenses & taxes.

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Expense ratios

Also known as management fees, expense ratios are taken from the investment (in both cases, Vanguard) to cover the operating costs of the fund. Usually, expense ratios are reflected by an adjustment to the end of day share price.

An advantage of an index fund over similar funds is that you do not have to pay an active fund manager, investment analysts, or other staff to manage the investments. So the fund managers can charge very low expense ratios, which make index funds a good choice for many investors.

VFIAX has a slightly higher expense ratio at 0.04%, while VOO is 0.03%. That means for every $10,000 invested, Vanguard takes $4 (for VFIAX), or $3 (for VOO) per year. For comparison, most financial advisors consider a fund to be cheap if the fund’s expense ratio is less than 1% per year.

Tax drag

Mutual funds and ETFs do participate in taxable events. Examples of a taxable event include harvesting capital gains or receiving dividends from the underlying companies.

It’s hard to view the impact of taxes on market returns because the companies do not pay taxes on these events. These transactions are passed on down to the investor.


In most investment accounts, it’s hard to notice. But each quarter, you’ll likely see quarterly dividend transactions for each of the mutual funds or ETFs in your investment portfolio.

In taxable investment accounts, you will pay taxes on dividends. If your fund has a low dividend yield, you’ll likely see a relatively low tax on the dividends in your investment account. This could be qualified dividends (subject to capital gains tax), ordinary dividends (subject to income tax at ordinary income tax rates), or a combination of both.

Capital gains distributions

And at the end of the year, towards the end of December, you’ll see capital gains distributions in each of your funds. The amount of distributions depends on the amount of activity in your fund.

If your fund has a high turnover rate, you’ll probably have a lot of capital gains distributions. High turnover means an active fund manager is consistently buying and selling underlying securities within the fund. Those capital gains are required to be passed on to the fundholder (that is you).

Fortunately, index funds are subject to relatively minimal turnover. Each of these indices is reset annually. And the rebalancing in the funds is done quarterly. So there isn’t a lot of buying and selling. And this makes a huge difference in performance.

Let’s take a look at the relative performance of each fund (minus management fees), compared to its underlying index.

VOO & VFIAX vs. S&P 500 Index

As of 03/31/2022, this is the breakdown of Vanguard S&P 500 funds’ annual investment performance over the past year, 3 years, 5 years, and over their history:

  • 1-year: 15.59%
  • 3-year: 18.88%
  • 5-year: 15.95%
  • 10-year: 14.60%
  • Since inception (VOO): 15.34%
  • Since inception (VFIAX): 7.87%

It’s important to note that VFIAX had been around about 10 years prior to VOO. You can see this in the performance chart below.

Where You Can Purchase VOO & VFIAX

You can purchase VFIAX and VOO through almost any online brokerage firm or through your financial advisor.

The Dark, Scammy History Of JustFab And Fabletics (2023)

After more than a decade spent running sketchy online marketing schemes, JustFab’s founders have made it big in Silicon Valley. But have they changed their ways?


by Sapna MaheshwariBuzzFeed News Reporter

Posted on September 24, 2015, 6:44 pm

Graham Roumieu for BuzzFeed News

In January of last year, Adam Goldenberg reached one of the largest-ever deceptive advertising settlements with the Federal Trade Commission, with one of his companies agreeing to pay more than $26 million in penalties for peddling a miracle weight-loss powder. Seven months later, he received a different kind of honor: JustFab, his e-commerce startup, was valued at $1 billion by investors, making it a “unicorn,” Silicon Valley’s most coveted achievement.

The journey of Goldenberg and his longtime partner, Don Ressler, from the murky fringes of internet marketing to the pinnacle of paper wealth in Silicon Valley is the story of how two men, for a decade, have been conning consumers into subscriptions for anti-aging shampoo and wrinkle cream under the guise of “brand-building” and “innovation.” Since at least 2004, consumers have accused the men’s businesses of exploiting their credit card information and sticking them with unwanted charges — complaints that are stacking up at JustFab and Fabletics.

But that history hasn’t stopped some in tech from viewing its business as The Next Big Thing. The men have raised more than $300 million in equity funding for JustFab, more than either Gilt Groupe or Warby Parker, from venture capital firms like Matrix Partners and Technology Crossover Ventures — small shops by Silicon Valley standards, but ones that have invested in other big names like Gilt, Dollar Shave Club, and Spotify.

It also hasn’t turned off JustFab’s celebrity backers, including Kimora Lee Simmons, who served as JustFab’s creative director until May, as well as Kate Hudson and her brother Oliver. And it has attracted little scrutiny from the tech and business press that have covered JustFab’s rise, with outlets like Bloomberg News and the Wall Street Journal instead focusing on its lucrative business model, which is to sign up shoppers to recurring $30 to $50 monthly subscriptions for discounted clothes and shoes. Consumers, even if they don’t choose to receive any items, are charged unless they remember to opt out in the first five days of the month.

It’s a model the company says will rake in $500 million this year across sites including JustFab, Kate Hudson’s Fabletics, FabKids, ShoeDazzle, and FL2. That puts the company in the big leagues: The Container Store brought in about $780 million in sales last year, while Vera Bradley posted about $509 million in revenue. While JustFab has yet to post a profit, Goldenberg recently deemed last year’s funding a “pre-IPO round.” A spokesperson for JustFab said the company is on track to post a profit this year.

John Sciulli / Getty Images

From left: Don Ressler, Kimora Lee Simmons, and Adam Goldenberg.

But while JustFab has revenue streams befitting a unicorn, its predecessor companies were less ethereal beasts. For more than a decade, starting at MySpace’s parent company, Goldenberg and Ressler’s customers have frequently complained of getting tricked into recurring credit card charges and fooled by deceptive advertising and misleading promises — promises the FTC said sounded “like magic pixie dust” in a warning to consumers regarding the diet product Sensa. It made more than $300 million in sales before the federal regulator intervened.

The ugly hallmarks of those past enterprises live on in JustFab: The company and its affiliates, for all their happy customers, have often been accused of deceiving shoppers who think they’re making a single purchase into signing up for a subscription that automatically charges them each month unless they opt out within a five-day window. The sites use terms like “VIP Membership” instead of “subscription,” and JustFab and Fabletics in particular downplay the options for avoiding charges each month; cancellations require lengthy phone calls.

Consumer watchdogs have received a flood of complaints over the practices, and Facebook, Twitter, and review sites are home to many others from the U.S., the U.K., and Australia.

Goldenberg has deemed such complaints to come from “a very, very small minority” of unhappy users, but the numbers are considerable. JustFab amassed more than 1,400 Better Business Bureau complaints between August 2012 and the middle of last month. To put that in perspective, it’s more complaints than Time Warner Cable racked up in New York City in the same period; Spirit Airlines, one of the country’s most-hated companies, racked up about 2,500. JustFab has hardly the name recognition of those companies. Its accreditation with the BBB was revoked in May.

The FTC, in response to a Freedom of Information Act Request from BuzzFeed News, sent over another 234 complaints about JustFab from consumers railing against deceptive subscriptions and excessive email marketing.

Its legal troubles have also mounted, with the company reaching settlements over its business practices with a group of district attorneys in California, the Florida attorney general, and a separate Florida consumer who filed a lawsuit in 2011.

“As a company that has gone from 0 to in excess of 3.5 million customers in five years, we have had inevitable bumps along the way,” JustFab’s spokesperson said in an email, noting that the business has at least an 8 out of 10 on from more than 60,000 consumers. “Customer satisfaction is a top priority for us and when there are issues with service, product quality, shipping deadlines, and the like we always do everything we can to make it right.” The spokesperson said the BBB complaints represent less than 0.001% of the 3.5 million customers JustFab acquired in the same period.

Goldenberg, 34, and Ressler, 43, declined to be interviewed for this story.

There’s a chance, of course, that all of the people who feel duped by JustFab are wrong.

But Goldenberg and Ressler have faced precisely these kinds of consumer complaints — thousands, in fact — about a long list of miracle weight-loss and beauty products since at least 2004. There were the Dream Shape diet pills, meant for consumption before bedtime — “Dream Shape Burns Fat While You Sleep.” There was the Hydroderm Body Shape Cellulite Toning Lotion, “the ‘secret weapon’ that will help tone and firm the areas that exercise alone can’t shape.” (That one got dinged by the U.S. Food and Drug Administration.)

Later there were Kronos hair products, sold as “Botox for your hair,” and Raw Minerals, a knockoff of the better-known BareMinerals makeup line. Most notoriously, there was Sensa, a weight-loss powder that claimed if you sprinkled it on meals before eating, you would lose an average of 30 pounds in six months without making any changes to your diet or exercise habits. It just made you feel full, Sensa said, citing clinical studies alongside photos of juicy hamburgers and cheese pizzas. “Eat yourself skinny!”

Sensa agreed to a nearly $50 million judgment with the FTC last year, though it could pay only about half that. (Ressler wasn’t named in it.) Goldenberg and Ressler are still fighting lawsuits over Sensa after the business collapsed late last year, including one from Bank of America that also names JustFab as a plaintiff.

For at least six brands associated with the two men before JustFab and Fabletics, customers complain they signed up for a “free trial” of the product, entering their credit card details to cover a $4 to $5 shipping fee. But if the product wasn’t returned within a few weeks — and accounts from customers say this was incredibly tough to do — they ended up with anywhere from $50 to $100 in charges and a recurring subscription that was a nightmare to cancel.

That might sound familiar to disgruntled JustFab customers today. The billion-dollar company paid $1.88 million last year to settle a consumer protection lawsuit out of the Santa Clara and Santa Cruz district attorney offices that alleged its brands, including Fabletics and the Kim Kardashian-associated ShoeDazzle, failed to “clearly and conspicuously” explain that its advertised discounts required a “monthly and automatically-charged subscription fee.”

“We were concerned that consumers had signed up for essentially a shoe or an outfit of the month club without enough disclosures where the consumer could determine that,” said Kelly Walker, Santa Cruz County assistant district attorney. “This is becoming a business practice that we’re becoming very concerned about. We are setting up a task force here in California just to deal with these companies with automatic renewal or automatic negative option sales programs.”

“From day one, we have been upfront about our flexible subscription model, the value it creates for our customers, and its terms of service,” JustFab’s spokesperson told BuzzFeed News.

JustFab’s backers have little to say about the company, its predecessors, and the litany of complaints against them. Passport Capital and Technology Crossover Ventures declined to comment while Matrix Partners and Rho Ventures didn’t return multiple phone calls and emails. JustFab told BuzzFeed News it doesn’t publicly disclose the full membership of its board of directors, though press releases have named TCV’s John Drew, Rho’s Mark Leschly, and Matrix’s Josh Hannah. Reps for Kimora Lee Simmons and Kate Hudson also declined to comment.

Walker, the Santa Cruz assistant DA, said his first contact with Goldenberg involved Sensa. In 2012, before the FTC stepped in, he was part of a group of California DAs who reached an $800,000 settlement with Sensa and its parent company, Intelligent Beauty, after finding fault with the company’s advertising claims, its use of the word “free,” and, of course, its automatic subscription enrollment and shipment of products to customers.

Walker added, “We were aware of him, and now we’re aware of other companies that he’s involved with doing the same kind of thing.”

Sensa via FTC / Via http://ttps://

Goldenberg and Ressler met in the early 2000s at Intermix Media, the parent company of MySpace, where both worked in its Alena product marketing division. The unit was never as well-known as MySpace, but it was the company’s main profit engine up until 2005, when Rupert Murdoch’s News Corporation acquired Intermix for $580 million, mostly for the social network. (That was back when $580 million was a lot of money to pay for a website.)

Goldenberg, a wunderkind who joined Intermix in his late teens, became the president of Alena in 2004. The unit trumpeted its expertise in cost-effectively building brands online and selling “high margin” and “innovative” items straight to consumers. In practice, it was papering the internet in ads for Dream Shape diet pills and Hydroderm antiwrinkle creams, promising “better than Botox” results and offering up free trials.

Dream Shape / Via

Alena was responsible for most of Intermix’s $79 million in revenue for the year ended March 31, 2005. In regulatory filings, its growth was consistently attributed to higher sales on a subscription basis, where “customers agree to accept regularly scheduled shipments of selected products.” As it would be for many other items associated with Goldenberg and Ressler during the next decade, the first purchase was always facilitated through a “risk-free trial.”

But the trial wasn’t really free or riskless, as journalist Julia Angwin wrote in her 2009 book, Stealing MySpace: The Battle to Control the Most Popular Website in America: “Customers were charged a shipping and handling fee of $5.95 and were automatically enrolled for monthly shipments of $49.95 bottles of wrinkle cream. Customers often failed to cancel before the first shipment arrived, and the Internet message boards were full of complaints from customers lamenting Hydroderm’s tactics.”

The Business Consumer Alliance, which is the former Los Angeles affiliate of the BBB and oversees complaints to the bureau made before March 2013, sent BuzzFeed News more than 600 complaints filed against Alena between 2004 and 2006 from across the country.

Hyrdoderm / Via

(Video) The Truth About Fabletics. Scam?

Goldenberg and Ressler left Intermix shortly after the News Corporation acquisition, creating an entity called Brand Ideas, which merged with a marketing group to become Intelligent Beauty in 2007, according to its website at the time. The two men were co-CEOs of the company, which would later spawn Sensa and JustFab. Intelligent Beauty said it planned to use the internet and home-shopping channels to “powerize” its “electronic brand building” efforts.

In practice, that meant a factory of winking pop-ups, banner ads, advertorials, and landing pages everywhere from Yahoo Mail to AOL and MSN, displaying pictures of old women transforming into young ones and scales tipping to lighter numbers. The rapid A/B testing and modification of these ads has always been Goldenberg’s strength, said two former employees, who spoke on the condition of anonymity. Spammy examples still live on the website of one of its marketers, Click Here Copywriting & Creative, which heralds its abilities to feed search engine spiders and design clicky, “emotionally charged” ads.

It’s the kind of thing you look at and instinctively want to close.

Click Here Copywriting & Creative / Via

It didn’t take long for Intelligent Beauty to face the same consumer backlash that Alena’s products drew.

The BBB fielded hundreds of complaints regarding the company’s free trial offers and frustrating return processes between the end of 2006 and 2010, according to documents from the Business Consumer Alliance. The FTC, in response to BuzzFeed News’ FOIA request, shared 66 complaints made about Intelligent Beauty between 2010 and 2013 naming Kronos, Sensa, and JustFab. Consumer watchdogs criticized a number of its ads, and in 2009, Bare Escentuals sued Intelligent Beauty for making a blatant knockoff of its Bare Minerals line and advertising it as “Better than Bare.” Part of the company’s beef with the brand: “highly misleading and fraudulent” offers. The lawsuit was settled in 2010.

Intelligent Beauty’s tactics disproportionately hurt poor customers who were hit with unexpected overdraft fees after failing to return products or cancel unwanted subscriptions. That same problem features in plenty of complaints today about JustFab and Fabletics; the company line is that JustFab doesn’t reimburse users for “non-company charges” like bank fees and phone bills.

“I didn’t believe that I would have the astounding results shown on the imagery in their advertising,” read one complaint from the end of 2008. “But I had hoped for something better than what I got…SCREWED!”

JustFab and Fabletics Today

Here’s what customers see today when looking to buy one of JustFab’s products, from landing on the site for the first time all the way through to agreeing to a monthly subscription — an agreement many have said they did not understand they were making. In this example, we looked through the company’s Fabletics site, which sells exercise gear.

While the company sent me four reminder emails to pick new outfits before the 5th, they all went to my spam folder — the welcome and order confirmation emails went to my inbox. When I called to cancel my Fabletics subscription, an automated voice pitched me two offers in an attempt to keep me, then transferred me to a real person who tried a third time before deactivating the account — it took six and a half minutes. (The rep told me he’s based in the Philippines.) It took two more phone calls to get my credit card information removed from the website since I couldn’t edit it out without replacing it with another valid credit card number. The company says users must call its “fashion consultants” to cancel their subscriptions because emails “can contain inadequate information to process cancellation.”

“As a fashion company, our flexible-subscription business model makes it possible to pass along the substantial savings we realize to our customers,” JustFab’s spokesperson said. “It is the continued engagement with our customers that affords us the ability to discount our merchandise. Last year alone, our members saved more than $234 million dollars off of the retail pricing.”

She added that more than a million subscribers arrive via member referral because “they appreciate all that we do.” (Referrals also help users get shopping credits.)

Click Here Copywriting & Creative / Via

(Video) RANT: Just Fab Review + Canceling My Membership

When Intelligent Beauty’s angry customers took their complaints to the BBB, the company typically offered refunds. But its stock responses apologized only for their “misunderstanding” of “fully disclosed” terms and conditions.

“I’m sorry that you didn’t have the opportunity to read this information when it was sent to you,” one customer service rep wrote in response to a 2007 complaint.

So many customers started contesting unwanted charges that Intelligent Beauty came under pressure from credit card companies to reduce these chargebacks, according to three former employees who spoke on the condition of anonymity. The solution: Buy a legitimate website called to help balance out transactions.

Dermstore, founded by a dermatologist named Craig Kraffert in 1999, has been touted as one of Goldenberg and Ressler’s great successes. The purchase closed in early 2008 and the website was sold to Target in 2013 for somewhere around $100 million.

Intelligent Beauty quickly sought to integrate its own labels into Dermstore. When it bought the company, four trademarks were involved; by the time of the Target acquisition, Dermstore listed 61 properties on its trademark filing and a whopping 495 domain names. Among them: and

Click Here Copywriting & Creative / Via

But Goldenberg and Ressler were largely uninvolved with Dermstore, the former employees say, because 2008 brought them their most notorious scheme yet: Sensa.

“Eat Yourself Skinny!”

Sensa, oddly, is still hailed as a Goldenberg and Ressler success story on JustFab investor Matrix Partners’ website, and for a few years, it did quite well. Now it’s better known as one of the largest weight-loss scams ever targeted by the FTC and as the bureau’s second-biggest deceptive advertisement settlement ever. Sensa attracted 1,043 consumer complaints between October 2008 and 2014, according to the Business Consumer Alliance, many over — guess what? — unclear 30-day, risk-free trials.

Sensa made bold promises in ads regarding its appetite-suppressant powder and “patent-pending technologies,” with testimonials from the doctor behind it. The powder’s almost magical “Tastant crystals,” Sensa explained, tapped into a medical phenomenon called “sensory specific satiety.”

Sensa’s bogus claims were supposedly based on 25 years of “research and testing” from a Dr. Alan Hirsch, who, as it turns out, created Sensa and owned 10% of the business — the rest was owned by Intelligent Beauty. The FTC poured cold water on Hirsch’s heavily advertised studies, saying there was “no scientific evidence this type of weight-loss product works.” It also accused Sensa of buying customer endorsements.

Sensa via FTC / Via

Goldenberg, as a former CEO and board member of Sensa, was among those named in the judgment, which was reduced from $46.5 million to $26.5 million based on the company and its executives’ “inability to pay.” That inability is notable, given that the FTC said Sensa brought in more than $364 million in sales between 2008 and 2012.

Sensa sought to stay in business with modified advertising but eventually ceased operating in October 2014, 10 months after the FTC judgment, choosing an alternative to bankruptcy called an “assignment for the benefit of creditors.” Multiple lawsuits have emerged since then, with creditors chasing Goldenberg, Ressler, JustFab, and even Technology Crossover Ventures in pursuit of Sensa’s unpaid debts.

By the time Sensa was flaming out, Goldenberg and Ressler were well into another project: JustFab. The company was formed in 2010, and in September 2011, JustFabulous, as it was known then, announced a $33 million Series A funding round and the appointment of Kimora Lee Simmons as its president and creative director. (Simmons reportedly ended her creative director stint in May to focus on her new brand.) The startup made a series of major moves in 2013: It acquired a children’s subscription service called FabKids that was co-founded by actress Christina Applegate, then bought the Kardashian-associated ShoeDazzle, and finally launched Fabletics with Kate Hudson.

There was a period in 2013 where the all those Intelligent Beauty-associated businesses looked incredible. JustFab was expanding rapidly and winning celebrity endorsements; Dermstore was sold to Target for a sizable sum; and Sensa, for all the outside world knew, was doing fine. In August of that year, PandoDaily reported that Sensa was “doing even better” than Dermstore, adding that “given the quality of the financials, it’s entirely possible that Intelligent Beauty could see nearly half a billion in exits this year.”

In reality, court documents filed since then show that Sensa was insolvent as of October 2013. While it posted about $37 million in profit overall, the court-appointed law firm working to recover cash for creditors says Sensa made less than $1 million in 2012 and lost $26 million in 2013. And further, court documents filed in connection with Sensa’s dissolution show that at least some proceeds from the highly vaunted Dermstore sale went to paying the FTC.

Click Here Copywriting & Creative / Via

It casts a sketchy light on the roots of JustFab’s initial funding. Goldenberg said in an April interview — on a YouTube video titled “What’s It Like To Be A Unicorn?” — that Intelligent Beauty put $33 million into JustFab. JustFab’s spokesperson said it remains a minority investor.

While she noted that that Sensa, Dermstore, and JustFab have been separate businesses with their own investors and executive management teams since 2010, court documents tell a different story.

Bank of America amended a loan agreement with Sensa in December 2013, a month before the FTC settlement was announced, noting that proceeds from the Dermstore sale needed to be placed in an escrow account to cover the Sensa judgment. And now, Bank of America is suing Goldenberg, Ressler, and JustFab, claiming that the men essentially erased more than $20 million in JustFab obligations to Sensa and one of its guarantors after realizing Sensa was on the way out, according to an amended complaint filed just this month.

“That Dermstore was sold to one of the nation’s largest retailers, Target, after we received a number of inbound inquiries about a sale, is especially gratifying to us,” JustFab’s spokesperson said. “And following the initial expression of interest, we hired Wells Fargo to lead the 11-month-long strategic sale process.”

Separately, Windmill Health Products, a distributor that got stuck with millions in worthless Sensa product after the FTC judgment, is going after Goldenberg, Ressler, TCV, and TCV general partner John Drew, alleging Sensa “completely downplayed the nature of the FTC investigation in 2013.” It has also filed a motion to amend its complaint to include JustFab, and has requested depositions of Goldenberg and Ressler. Windmill, like Bank of America, claims the men knowingly stripped Sensa of its assets to fund other ventures once it was clear the company was done for. It’s seeking $15 million plus punitive damages.

“Their statements are exaggerated and highly inaccurate,” JustFab’s spokesperson said, noting that Windmill hasn’t had any business dealings with JustFab. “As an unsecured creditor of Sensa, Windmill’s recourse is through the bankruptcy process.”

(Video) Just Fabulous is A SCAM!!!

JustFab / Via

JustFab has had other clashes with the law, though they haven’t been widely reported.

The Florida attorney general’s office began investigating the company after receiving “hundreds of complaints” beginning in January 2010, concluding last year that “consumers were not properly made aware” they were signing up for monthly recurring charges. To resolve the investigation, JustFab agreed to make it clearer to customers that they were signing up for a subscription, promising website tweaks like placing billing terms within 300 pixels of the button used to complete orders. The company denied any wrongdoing.

JustFab also settled a case in 2012 with a woman named Edna Betances-Harold, who didn’t realize she was signing up for a shoe-of-the-month club by making a purchase at JustFab. While the suit was filed as a class action, the parties settled partly because of JustFab’s “inability to fund any type of class wide settlement” and its willingness to modify disclosures on, according to an April 2012 court filing.

“Who wouldn’t take two pairs of shoes for $20 or something ridiculous like that?” Betances-Harold said in an interview. “Nowhere — because I am very, very cognizant of that kind of stuff — did they say they would automatically charge your card $40 and start taking the money out instantly, whether you order shoes or not … They compensated me a couple hundred bucks, but it’s not the money part — it’s more how they don’t disclose the terms when you sign up.”

JustFab and Fabletics also face frequent complaints over shipping delays and returns.

JustFab now says it makes the subscription aspect of its business clear to users in 15 different ways, including: a description on its homepage and on its “Terms of Service” page, on a “How It Works” page, in its FAQs, through a pop-up for first-time customers, on each page of the checkout cart process, via emails, and deliveries and reminder emails.

Michael Buckner / Getty Images

Kate Hudson cofounded Fabletics.

To be fair, JustFab has built a formidable business in the extremely competitive world of online shopping, with 1,800 employees globally. Without a doubt, there are plenty of women who understand and love the model. “I think we’re probably the fastest-growing fashion company, collectively with all our brands, in the world,” Ressler told the Los Angeles Times in April. “We really think we’re going to be the next H&M.”

But for those who feel tricked, or blame themselves for failing to realize what they were signing up for, it may help to know that thousands have come before them.

Some wonder what will come next if growth slows and the company’s founders, ever-aware of the need for new businesses to replace the old, begin looking at new opportunities.

“As these businesses get to their peak, they take the proceeds out and start building their next big thing,” said one source familiar with the company’s finances. “What’s the next thing they’re going to take and start funding?”

It certainly seems as if the money is out there: “Part of the decision to do this round of financing, a pre-IPO round, was to stay private longer where we believe we can create more value,” Goldenberg said in April. “We will go public at some point. We’re certainly IPO-ready.”

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1. Fabletics (again!) April 2014 3. Unboxing: JustFab July Mules 4. Inside Fabletics eCommerce and store strategies l Digiday 5. JUSTFAB TRY ON HAUL 2019 6. Welcome to Fabletics UK

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A Harvard undergrad explains how she extended her internship with $58 billion Two Sigma in lieu of spending the semester taking virtual classes (2023)

  • Claire Zhou, 19, is taking the semester off from Harvard to intern in software engineering at Two Sigma, which manages $58 billion in assets with businesses that include a quantitative hedge fund, private equity, and market making.
  • Zhou, who interned at Two Sigma this summer, asked the firm to let her extend her internship into the fall semester in lieu of taking virtual classes at Harvard this fall.
  • Two Sigma gave Business Insider an exclusive look inside how it’s extending internships for Zhou and three other students as the coronavirus pandemic rages on.
  • At Two Sigma, interns earn a pro-rated portion of a $135,000 annual salary.
  • Visit Business Insider’s homepage for more stories.

For 19-year-old Claire Zhou, life has been a lesson in the art of substitutions during the coronavirus pandemic.

Zhou, who finished her first year at Harvard University this spring studying math and computer science, used to start her day with breakfast surrounded by friends before heading to her first 9 a.m. class on the Ivy League campus.

Nowadays, Cambridge, Mass., has been replaced with her hometown of Houston. Her classroom traded places with her bedroom, which doubles as an office. Late-night study sessions with friends in the dorms swapped for catchups on FaceTime.

This fall, Zhou is taking the semester off from Harvard to intern in software engineering at Two Sigma, a financial firm that manages $58 billion in assets. Its businesses include a quantitative hedge fund, private equity, and market making. In July, while Zhou was completing her first 10-week summer internship with the firm, Harvard announced that, “with only rare exceptions,” it would shift all of its classes online for the fall semester.

Feeling less than enthused by the news that she would be in for another virtual semester at Harvard, akin to the one that she had completed in springtime, Zhou approached her managers at Two Sigma in the summer with an unusual request: to extend her internship through the fall semester.

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“I had already started looking, honestly, quite frantically for fall internship opportunities” while awaiting Two Sigma’s answer, she said.

But during her search, she ran into a snag: “Based on how the recruiting timeline is structured today,” she said, “looking for a September start date internship in late July and August is really just too late.”

Inside Two Sigma, Zhou’s request prompted some introspection about how best to accommodate it, and what it could mean for the future of the firm’s internship program. Should the firm offer this extension to all of its interns? Only a select few?

Ultimately, by early September, Two Sigma decided to offer an internship extension to Zhou and a number of its summer intern class who, given their performance, were in good standing to be invited back to complete either another summer internship at a later date, or be offered a full-time position in the future.

While not all of the interns who were offered the autumn extension accepted it, Zhou and three others — students from Harvard, Stanford, and Caltech — did, and now have the option of extending through the spring semester as well.

College students nationwide have been experimenting with alternatives to online education during the pandemic

When Two Sigma made Zhou’s extension official right after Labor Day, “I was beyond thrilled,” she recalled. In addition to the chance to stick around through the spring, if she desires, Zhou has already been offered an internship spot at Two Sigma for summer 2021, too.

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Zhou’s decision to abstain from online classes in favor of sticking with Two Sigma comes amid a broader national trend. More than one third (34.6%) of college students said they planned to withdraw from their fall semester if their classes were fully online, according to the results of a survey released in May by OneClass, a website that offers study materials for students.

Read more: Data scientists and engineers are leaving Amazon and Facebook for hedge funds. Here are the firms that are winning the battle for top tech talent.

Now, Two Sigma is considering making these autumn internships part of its long-term plans.

“This has been a great test case for us, and certainly something we’re going to be assessing for future years to see if this is something we’ll want to continue to offer,” Scott Grabarski, a managing director at Two Sigma and its head of engineering HR and talent acquisition, told Business Insider.

“In terms of online schooling, I do think that there’s still merit to taking online courses, but there are just some aspects of in-person learning that can’t be replaced or replicated in a virtual format,” Zhou said. “Coming back to Two Sigma is just a way to continue learning from the environment, all along doing something that I find challenging, fulfilling, as well as impactful.”

Zhou’s internship extension has led to meaningful growth

For Zhou, the experience she gained having gone through onboarding and training on her summer internship made her transition to her fall internship smoother. “I was already really familiar with how my team operates,” she said, and “how to collaborate with my team on a day-to-day basis.”

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Among the highlights so far: working this summer on a user interface for a tool that displays recommended trades; flexing her software engineering muscle by learning a new coding language; and participating in professional development workshops about networking or how to deliver effective presentations.

See more: Colleges thought they could manage financially in the pandemic. Dropping enrollment rates and COVID-19 outbreaks cropping up on campuses suggest they’re wrong.

So far, she’s remained on her original team doing software work — only one of the four interns switched teams, Zhou said — but she’s now exposed to a variety of projects that are challenging and deepening her knowledge, versus solely focusing on one.

Compared to online classes, this internship has provided a crucial learning opportunity, Zhou said.

“The main differentiating factor is the amount of initiative that I put into doing research … and figuring out how to implement things on my own,” she explained. “I have a lot more freedom to kind of go around and work on what I want to as well as just be really open with my teammates and collaborate with them at a level in which I’m not just an intern, but also their equal.”

Many students have expressed disappointment with virtual classes

In March, colleges and universities nationwide shuttered their doors and pivoted to online classes as the coronavirus spread rapidly. But as many as 75% of students said they were unsatisfied by the quality of their digital learning experience, according to the results of survey conducted by OneClass which were published in April.

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This fall, Zhou said that she has noticed “a surge in students on leave.”

“A lot of my friends are actually also taking leaves of absence this semester,” she said, and, while that was an element motivating Zhou’s request to stay at Two Sigma, the chance to grow her skills was the overarching factor underpinning her decision.

Read more: Colleges thought they could manage financially in the pandemic. Dropping enrollment rates and COVID-19 outbreaks cropping up on campuses suggest they’re wrong.

Meanwhile, universities are likely to face tough questions over how to make a case for high tuition costs while offering a virtual-only product. Indeed, undergraduate tuition for the 2020-2021 school year at Harvard College is $49,653.

At Two Sigma, interns earn a salary that would be commensurate with a $135,000 annual salary, a source familiar with the matter told Business Insider. Representatives for Harvard University did not respond to a request for comment.

But in spite of Two Sigma’s internship extensions this year, Grabarski signaled that it shouldn’t be seen as the firm diminishing how it sees the value of a college degree.

(Video) Larry Summers on Macroeconomics, Mentorship, and Avoiding Complacency | Conversations with Tyler

“We definitely do value education and we’re not looking to encourage students to be dropping out of school,” Grabarski said. “While the pandemic has certainly changed how and where our employees work, and in many ways how we recruit, it is too early to say if it will have a broader impact on academic requirements.”

How Much Money Can You Make Wholesaling Real Estate? | REthority (2023)

  • How Much Money Can You Make Wholesaling Real Estate?
  • Wholesale Real Estate Explained
  • How Much Money Can You Make Wholesaling Real Estate?
  • So, How Much Can You Make Wholesaling Real Estate?

Are you wondering, “how much money can you make wholesaling real estate?” We were too. So we talked to 20 real estate investors who answered this question in depth. Scroll down to see what we found out.

Disclaimer:REthority is supported by ads and participation in affiliate programs. We may earn a commission when you click our links. The information included in this post is for informational purposes only and should not be taken as legal or financial advice.

How Much Money Can You Make Wholesaling Real Estate?

Mega Pixel/Shutterstock

For the uninitiated, making a profit wholesaling real estate may seem too good to be true. How do you make a sizeable chunk of change by helping someone find a buyer for their property? What’s the catch?

If you’re wondering how wholesaling real estate works or want to know how much actual wholesalers make on an average deal, this guide is for you.

Thousands of resources online give general (or exaggerated) estimates of how much wholesalers make on a deal.But if you’re thinking about getting into wholesaling, you need actual examples of how much you can make.

Spoiler Alert — It Depends

You want real-world advice from people who have brokered hundreds or thousands of wholesale deals.That’s why we asked 20 experienced real estate investors, “how much money can you make wholesaling real estate?”

You’re going to hear how much these professionals make on each deal, what to avoid, and tips to maximize your profit.Keep reading to learn the basics of wholesaling and find out how much real estate investors earn on wholesale deals.

Wholesale Real Estate Explained

(Video) How Much Money Can You Make Wholesaling Real Estate?


Wholesaling real estate is a type of short-term investment strategy. When you wholesale real estate, you become the middleman between a seller and an investor who wants to buy the property.

A wholesaler finds a property priced below market value, usually in need of repairs, and contacts the seller to make a wholesale agreement – i.e., “If I find a buyer for your property at this price, I will collect a 10% assignment fee.”

They enter into a contract to sell the property at a specific price, usually including a contingency to exit the deal if no buyer is found in a set period.

The wholesaler will shop the discounted property around to real estate investors and cash buyers. These are buyers searching for under market value properties that they can fix and flip or rehab and generate rental income from.

When the wholesaler finds a buyer, they assign the purchase contract to them and collect their assignment fee from the final purchase price. That assignment fee is how wholesalers get paid.

But how much is the average assignment fee? What do wholesalers make from each deal they broker? Hear answers from 20 real estate investors and wholesalers below.

How Much Money Can You Make Wholesaling Real Estate?

1. Scott Bates, San Francisco Wholesaler

“You could then quickly flip a house (15-20% below market value) to someone who actually wanted to fix it up and live in it at about 90% of the market value. That would give you a profit margin of anywhere between 5-10% ($15,000 to $40,000) on a median priced home, say of $300-400k.

This strategy is great because you can get in and out of it quickly without having to do much construction. And with 5-10% of value to work with, it’s easy to pay a realtor a small commission to speed up the process of finding a new buyer.

Finding a buyer can take one week or three months, depending on how hot the market is. When you hire a realtor, it increases your chances of getting a speedier sale. So study a local market, know the numbers, and don’t expect to get every deal.

Plus, you have to know when a market is too hot, it may be best to focus on other investments until more favorable market conditions allow you to source real estate again.”

2. Matt Bigach, Multi-State Wholesaler

“My business partner and I rehab and buy and hold 50+ deals per year in Tennessee, Georgia, and Alabama. Wholesaling is a very lucrative business when done correctly. Wholesaling is a marketing business, not a real estate business.

A typical assignment fee varies based on location, but the average assignment fee that we see is $10,000 to $30,000 per deal.Some fees fall below and above that range, but the average fee is around there.

Finding a buyer comes down to the ability to run comparable sales and estimate repairs effectively. An overpriced contract will take a long time to sell, while an appropriately priced contract will sell quickly.

Sometimes in less than an hour. Pull a list of all the cash transactions in your area in the last six months. Contact those people and ask them what criteria they are looking for. You’ll be able to build a buyers list quickly.”

(Video) How to Wholesale 10+ Deals a Month from ZERO | Wholesaling Real Estate

3. Jamell Givens, New York Real Estate Investor

“A typical assignment fee can vary depending on the price-point of the market.In areas of the country with houses below $150k you often see average assignment fees around $10-15k.In higher-end markets, you can see averages two times that.

The quality of your buyer’s list is more important than the quantity. If you have a property you are trying to wholesale, go on tools like MLS or Propstream, and find other flippers nearby who have a renovated house listed or recently sold. These people are proven buyers and are likely

looking for another property to start working on. Skip trace the owners and reach out about the property you are trying to sell.

Wholesaling is not a get rich quick scheme. While you are able to start out wholesaling as a side-job, the people who truly scale wholesaling businesses are the ones that are focused and dedicated to building a business.”

4. Johell Aponte, Houston Wholesaler

More often than not, the assignment fee hovers around $5,000, but can vary for many reasons. Composing a catalog of potential buyers will save you time and energy in the long run, and can cut down the time it takes to find buyers.

Finding a buyer can be easy and painless if you know what you are doing, but it can also take ages if you haven’t properly located a solid property under market value.”

5. Dustin Singer, Pittsburgh Real Estate Investor

[su_testimonial photo=””] We regularly do 1-3 deals or transactions per month. Typical wholesale fees can range from a few thousand dollars up to $15,000 or even more. Volume is key to making a successful business profitable in wholesaling, as sometimes the margins can be slim depending on the deal. The biggest thing new wholesalers need to understand, and why so many fail, is that you MUST get a deal under contract for cheap enough to collect a fee and still leave enough meat on the bone for the end investor. Time and time again, I see new wholesalers put deals under contract at close to retail price or with extremely thin margins. Most investors will not bite on these deals, and the wholesaler needs to negotiate a price reduction or terminate the contract. [/su_testimonial]

6. Andrew Kolodgie, Washington DC Wholesaler

“You can make quite a bit of money if you’re willing to put in time and effort. It comes down to how effective your process/systems are and how much effort you’re willing to put into it.A typical assignment fee ranges from $2,000 to $40,000, depending on the market.

In higher priced faster moving markets you can expect a higher fee (and more competition). In a slower market (or one with worse comps) you should expect a lower fee. The highest assignment fee we’ve seen is over 400k. This property ended up being a tear down and was perfectly suited for a new apartment complex.

You don’t have to spend $5,000 on a course to get into the business. Start with driving around your neighborhood and look for houses that need some work. Talk to the owners and have a conversation. Remember that you’re there to help them solve a problem. If they don’t want it, that’s okay, move on to the next.”

7. Martin Boonzaayer, Multi-State Home Buyer CEO

“The average wholesale fee will be largely dependent on the area. For example, if the average home you are wholesaling is less than $50k, then your wholesale fee is going to be smaller than if you are wholesaling in a market with the average price of $400k (for example).

There is no right or wrong number – any wholesaling profit is good.As a rule of thumb, you should target at least a 5% wholesaling spread, but you can earn bigger spreads, depending on your negotiating skills.You should expect to reinvest at least 30% of your profits back into marketing.

In more competitive areas, your marketing cost to get a contract can easily exceed $5,000. The best way to wholesale is only to enter into a contract at a price you’d be willing to buy, and if you can’t find a buyer, to actually close on the property yourself.”

8. James Watson, Omaha Real Estate Investor

“Wholesaling, like many avenues of real estate can be extremely profitable. I have heard of assignment fees off of one deal as high as $70,000 in our market. This type of deal is obviously very, very rare, however, it does go to show that there is good money to be made.Typical assignment fees are usually right at or under $10,000.

With how competitive the housing market is though, I have seen plenty of deals with $1,000-$2,000 assignment fees.. Finding a buyer can be tricky if your numbers are wrong. Typically the saying goes, if you have a good deal you will know based on how easy you find your buyer.

(Video) Wholesaling Houses | How Much Money YOU Can Make

Always be upfront with the seller about what you are going to do and don’t try to sell your buyers on the property. One shady or bad deal and you lose way more than you gain.”

9. Ethan Taub, FinTech CEO

[su_testimonial photo=””] There is a lot of money to be made in wholesale real estate, if you know the game well enough. There is no real average on an assignment fee per transaction. But as you are free to negotiate, you could be making up to 10-12% per project that you are involved in. If you are working on the big houses, you would only need to complete a few of these each year to be comfortably living. [/su_testimonial]

10. Jonathan Sanchez, Real Estate Investor

On average, wholesalers can make $5,000 a deal. However, it all depends on the spread of the deal. How low is the wholesaler able to get the property under contract and how high can an investor sell a property for? As long as there is a great deal, finding a buyer is no problem. Serious investors are always looking for a great deal and will jump on one at a moment’s notice.”

11. Bill Samuel, Chicago Real Estate Investor

“I am a full time residential real estate investor that specializes in purchasing properties at rehabbing them and renting/selling them in the Chicago area. I am also an Illinois licensed real estate broker and have wholesaled some properties that I wasn’t able to rehab myself.

In my area a typical wholesale assignment is about $20,000.If you have a legitimate good deal then it should be easy to sell right now as it is very hard to find any deals at all.

For the first few wholesales you do I would recommend joint venturing with an experienced wholesaler in your area who can help bring a buyer to the table. Getting the initial traction is not easy so someone with experience that you split the fee with is worth their weight in gold.”

12. Jack Medford, Wisconsin Wholesaler and Investor

“Wholesaling can be extremely lucrative for the right people. However, it is important to note that wholesaling is not the same as investing. You are much more like a salesperson than an investor. Like other sales professions, how much you make will be how much you hustle and follow up with potential leads.

If you’re going at this full-time, there is no reason you shouldn’t expect to make at least $60,000 on the low end, and $200,000+ on the high end.Typical assignment fees are between $5,000-$10,000. It is possible to get much higher (or lower) fees, but this is the range you should expect.”

13. Tim Gordon, San Diego Wholesaler

“I’ve been an investor and wholesaler in Southern California since 2012, starting with using direct mail marketing and eventually transitioning to online marketing. I’ve wholesaled $40M in real estate since 2012.

Top performers (.01%) of the business could earn beyond $1,000,000 per year, while most will struggle to complete one deal. My company has earned between $150k-$300k per year with a low volume approach but we are really good at what we do.A new wholesaler could earnbetween $10,000-$50,000 in their first year.

If their model is scalable they could find themselves in the $150,000+ range. A typical assignment fee will vary regionally too, you will see lower volume with higher fees in large metro markets and smaller fees with higher volume in smaller markets.

The mid-size markets tend to be the sweet spot. Most don’t like to take lower than $5,000. I would venture a guess that the average fee is between $5,000-$10,000.

14. Ryan Dosenberry, Michigan Wholesaler

[su_testimonial photo=””] I know investors who wholesale part time to supplement their income and make $10-20k per month and then I know some major players who have 5-10 employees doing well over $100,000 a month in deals. My average assignment fee is right around $7,000 but I have had multiple deals of over $15,000. If you have a great deal, it will never take long to find a buyer. Even if you have no buyers list at all. Quick tip on finding cash buyers: If you don’t have a real estate license, ask an agent to pull a list of recent cash transactions in your area. Export the owners info and skip trace the list to get phone numbers and emails. Contact the buyers (especially the ones who are active) and ask if they are investing. [/su_testimonial]

15. Andrew Roderick, Phoenix Real Estate Investor

“The amount of money you can make on wholesaling real estate all depends on the property’s value. The lower, the better.A typical assignment fee is usually around $5,000-$10,000 per deal.Finding a cash buyer is one of the bigger challenges because it can take as long as 12 months, but on average it’s around 1- 3 months.

As for new wholesalers, I would recommend they have their financial source ready before they take on these types of opportunities as well as a good eye for seeing beyond the first impression of a property.”

(Video) How to Make Millions Wholesaling Real Estate

16. Kevin Bazazzadeh, Houston Wholesaler

“You can definitely make good money wholesaling and have a 6-figure income doing it.A typical assignment fee for us is about $15,000.We look for properties under $300K, which limits our potential on a fee, but these properties are much easier to move.

An important thing to know about wholesaling is that you are not really running a real estate business, you are running a marketing business. You can be great in every aspect of real estate, but if you aren’t good at marketing and sales you will struggle.”

17. John Castle, Ottawa Investment Real Estate Agent

“Everyone’s going to have their hero story about how much they’ve made, butthe industry norm is about 5%-10% for an existing property.Wholesalers who aren’t as picky about what they put under contract will have more deals but make less per deal.

Most new investors want a sure thing and can’t risk a loss. Accordingly, they build in larger margins, but as a result, fewer of their offers are accepted.”

18. Matthew Martinez, Investment Real Estate Broker

[su_testimonial photo=””] As an accredited real estate investor and investment real estate broker I have a lot of experience in wholesaling real estate. If you’re a full time wholesaler closing a minimum of two deals a week you can make over $1,000,000 a year in assignment fees. A typical assignment fee is around $10,000 but every deal is different. We’ve taken as little as $2,500 and as much as $30,000+ for an assignment fee. My team and I have an extensive buyer list that we’ve compiled over the last few years but my main list was compiled in about six months of networking with investors and wholesaling on a regular basis. [/su_testimonial]

19. Nathaniel Hovsepian, Savannah Real Estate Investor

“There is a lot of money that can be made wholesaling houses, and that is why so many people get started in real estate doing that.We have had assignment fees range anywhere from $500 to $10,000, but typically we bring in about $3,000 per contract before taxes.

Some wholesalers like to do fewer deals that bring in larger fees, but we like to try and help homeowners out by making the highest possible offers that we think we can find a buyer for and still make a profit on.”

20. Derrick Summers, Georgia Real Estate Investor

“The amount of effort and commitment that you have towards wholesaling determines how much you can make. I’ve seen people go from having no money to making $500,000 within one year! The more offers that you make on deals, the more opportunities that you have to make a profit.

A typical assignment fee is usually around $10,000 depending on the situation.The more distressed a seller is, the better the opportunity for you to receive bigger assignment fees. Having good sales negotiating skills helps out a lot with your assignment fee too.”

So, How Much Can You Make Wholesaling Real Estate?


After hearing from 20 experienced real estate investors, wholesalers, and brokers, you have a good idea of how much you can make wholesaling.

  • Most of our experts said they make about $5,000 to $10,000 per wholesale deal.
  • A few said they make $1,000 to $3,000 per wholesale deal.
  • A few said they have made $30,000 to $40,000 per wholesale deal.

In addition to sharing how much they make on average, these real estate professionals also shared a lot of helpful tips for anyone interested in wholesaling real estate.

Many mentioned the importance of building a buyers list, knowing the numbers on a property you wholesale to ensure it’s a good deal for you and investors, and extensively marketing each property to cash buyers.

(Video) How Much Do You Really Make Wholesaling Real Estate Profit $15,000

A few talked about why you shouldbecome a real estate agentto dramatically grow your profit potential and buyers list.Wholesaling real estate requires an investment mindset with a sales and marketing approach.

If you can find properties priced below market value and connect the seller with a buyer quickly, you can earn a part- or full-time income and dip your toes into the world of real estate investing.

You Might Also Like:
  • How to Find Real Estate Investors
  • Best Software for Real Estate Investors
  • How to Find Off-Market Properties

14 Savvy Ways to Spend Leftover Model Questionnaire On Child Rights For Survey Budget (2023)

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11 Diversity, Equity, And Inclusion Activities For 2022 (2023)

Diversity, Equity, and Inclusion (also known as DEI) in the workplace is fortunately not a brand new concept to most companies, but it can be a challenging field to navigate as it continues to evolve.

It’s no longer enough for a company to simply release a statement on its stance against racism, sexism, ageism, etc. It’s not enough to write a check to your local philanthropic organization. Supporting DEI activities is no longer seen as solely an HR competency that’s discussed at annual HR conferences.

Diversity and inclusion efforts are a necessary & vital piece of a successful company culture that fosters equality amongst all employees. You can partner with a company like Bambee to help you create a more inclusive working environment.

A robust DEI program should extend beyond recruiting a diverse workforce and mandatory corporate training programs. Great DEI activities help bring your DEI pillars to life. Rather than reading about the importance of diversity and inclusion, employees are able to experience the significance of DEI in action.

Free bonus: Download the 11 Diversity & Inclusion Statistics That Will Change How You Do Business. If your leadership team or key stakeholders need a bit of a nudge, this fact sheet showcases some of the most compelling D&I statistics around.

Alex Gorsky, CEO of Johnson & Johnson, stated that,

“The best innovations can only come if our people reflect the world’s full diversity of individuals, opinions, and approaches.” This inclusive mindset has a direct impact on not only the culture of a company but its revenue potential as well.

In a McKinsey & Company DEI report, they found that “companies in the top quartile of gender diversity on executive teams were 25 percent more likely to experience above-average profitability than peer companies in the fourth quartile.”

Additionally, when it came to ethnic and cultural diversity, they saw a similar spike in profitability. Companies in the top quartile outperformed those in the fourth as it relates to profitability by 36%.

With the rise in hybrid and remote work, it can be harder than ever to host diversity and inclusion exercises for your teams. Don’t worry– we’re here to help you navigate how to host fun and useful DEI activities both in person and virtually!

Before we share our favorite diversity activities, let’s first define the components of DEI and just what exactly DEI activities are.

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Page Contents (Click To Jump)

  • List of Diversity and Inclusion Activities For Your Team
  • People Also Ask These Questions About DEI Activities

What are Diversity, Equity, & Inclusion Activities?

Diversity, Equity, & Inclusion Activities (or DEI activities for short) are exercises you can do with your team to promote a workplace culture that values every employee’s unique individuality while also creating a sense of acceptance and belonging.

While diversity, equity, and inclusion are related concepts, they do have their own distinct definitions and values.

  • Diversity in the workplace means your workforce is made up of people of different races, genders, ethnic groups, sexual orientations, ages, religions, and additional background factors.
  • Equity in the workplace means all employees are treated in a fair and just way. A crucial part of equity is ensuring that every individual employee has what they need to succeed and opportunities to do so.
  • Inclusion in the workplace means creating an environment where groups who may have been historically excluded due to gender, race, sexuality, etc., are actively included and valued for their different perspectives.

It’s critical that all three of these concepts are embedded in your company culture and goals.

Now that we understand what DEI is and what DEI activities are, let’s talk about 11 tangible ways you can bring valuable DEI activities to your team!

List of Diversity and Inclusion Activities For Your Team

1) Support DEI Mission-Driven Brands

Supporting brands with a DEI focus is an easy way to begin implementing a DEI initiative at your company. Consider partnering with a black-founded brand or a corporate wellness company that compliments your DEI efforts.

What this diversity activity supports: This DEI activity helps to uplift minority brands who may have been overlooked or are struggling to compete against larger, more established companies and fosters an inclusive workplace.

Tip: Create a diversity and inclusion moment during a meeting by encouraging your team to share 1 of their favorite brands, companies, or products that are either minority-owned or pushing DEI efforts forward in an impactful way.

➤ How to do this DEI activity in person: Stock the break room with diverse brands of all shapes and sizes. There are tons of delicious snacks out there that are healthy to boot!

➤ How to do this DEI activity virtually: Send employees the Amplify Gift Box, which includes exciting products from emerging companies that are women, black, or people of color founded brands.

2) Find Out How Employees Feel

This may seem like an obvious step in launching a DEI project or initiative, but it’s often overlooked. You want to ensure that the roadmap and activities planned are meeting your team’s needs and expectations. It’s also important to set milestone check-ins with your employees to gauge the effectiveness of your diversity and inclusion exercises and overall employee satisfaction levels with the larger DEI initiative.

What this diversity activity supports: Finding out how your employees feel creates a happy workplace where every employee has the opportunity to voice their unique perspectives.

Tip: Don’t limit this practice only to DEI. Gather feedback from your team on other key business and workplace topics as well. You can get more acitionable tips by downloading the free 11 Diversity & Inclusion Statistics That Will Change How You Do Business

(Video) 2022 Learning for a Lifetime in a Diverse Community

➤ How to do this DEI activity in person: Print and circulate a DEI survey in the office and set up a dropbox where employees can deliver their surveys anonymously.

➤ How to do this DEI activity virtually: Utilize Bonusly to create and launch an employee engagement survey encouraging your employees to share their candid feedback.

3) Play DEI Themed Games

Whether looking to host an online group game, find the perfect icebreaker, or host an event in person, there are many DEI-themed games you can do with your team. DEI games allow your team to learn, grow, and have fun all at once.

What this diversity activity supports: Participating in DEI games is a fun way to support employee engagement & learning while also creating a sense of belonging.

Tip: We recommend encouraging team members to participate in DEI games, but not requiring them to do so. Everyone’s comfort level varies depending on the activity and engagement tends to be higher when employees opt in.

➤ How to do this DEI activity in person: Host a fun office activity like Step Apart, Step Together. In this game, 2 team members step apart when the team calls out something they have a difference and step together when they share a similarity. It’s a great way to celebrate differences but shows that commonality exists as well.

➤ How to do this DEI activity virtually: If you’re looking for a virtual event idea, partner with an awesome vendor like Confetti who offers DEI-centered experiences.

4) Share Real Life Stories

DEI training courses can sometimes fall flat when it comes to bringing the importance of DEI to life. Sharing real-life stories add a much-needed personal touch to DEI activities and encourage employees to open up and be empathetic. This is also an awesome way for your employees to get to know one another on a deeper level and appreciate each individual’s experiences & perspective.

What this diversity activity supports: This activity is a great employee engagement idea as it encourages employees to share and actively listen to one another.

Tip: Set some parameters around this activity so people don’t feel forced to share or cornered into speaking about something they’re not comfortable with.

➤ How to do this DEI activity in person: Host small, optional group sessions in the office led by a DEI professional.

➤ How to do this DEI activity virtually: Encourage employees to share their unique stories on a company-wide recognition platform like Nectar.

5) Host A DEI-Focused Lunch And Learn

Lunch and learns are a great team-building activity for work because they provide your employees with an opportunity to collectively learn about an engaging topic. Hosting DEI-focused lunch and learn events are a non-intimidating way for your employees to learn more about DEI topics in a more relaxed setting.

What this diversity activity supports: DEI lunch and learns is a fun way to motivate employees to continue their DEI learning journey.

Tip: Generate excitement around the event by sending out invite information well ahead of the event date. Consider recording the lunch and learn session for those who can’t attend.

➤ How to do this DEI activity in person: Partner with a local minority-owned restaurant to have food delivered to the office for your lunch and learn session.

➤ How to do this DEI activity virtually: Ahead of your remote lunch and learn, send your employees a digital credit card so they can order from a local restaurant or eatery.

(Video) Temecula Race, Equity, Diversity and Inclusion (REDI) Commission – October 13, 2022

6) Big Company-Wide Goal

As mentioned earlier, the best DEI programs are embedded within the overall company culture and goals. DEI efforts should not be treated as a checklist, but rather as an ongoing and critical company objective aimed at creating an inclusive culture. By including DEI as a core company pillar, you’re encouraging each employee to add DEI-focused efforts to their goals as well.

What this diversity activity supports: This activity empowers both your leadership team and every employee to prioritize diversity and inclusion activities in order to achieve both their collective and individual goals.

Tip: Utilize employee recognition software to encourage high participation and DEI learning amongst your team.

➤ How to do this DEI activity in person: Host an in-person town hall where leadership can share out the company DEI goals along with the steps planned to achieve them. Be sure to leave time for Q&A towards the end.

➤ How to do this DEI activity virtually: Partner with an employee engagement software platform like Kazoo to create special initiatives and rewards for your employees.

7) Follow The Diversity Calendar

When trying to foster a diverse and inclusive work environment, it’s important that your company calendar reflects that diversity. Your calendar should be inclusive of all multicultural and religious holidays, events, and celebrations. It should also take into account important month-long initiatives such as black history month, women’s history month, and LGBT history month, so you can plan meaningful DEI activities and events accordingly.

What this diversity activity supports: Following the Diversity Calendar helps employees of every background feel included and respected in the workplace.

Tip: Do your research when creating your company’s diversity calendar to ensure you don’t miss any critical holidays, events, or opportunities to host timely DEI activities.

➤ How to do this DEI activity in person: The month of March is women’s history month, so consider hosting an in-person seminar centered around empowering women in business & how to be an ally.

➤ How to do this DEI activity virtually: Host a company-wide virtual webinar with a guest speaker who specializes in a DEI topic that is relevant for that calendar month.

8) Set Up A Diversity Committee

Implementing an effective and robust DEI program doesn’t happen overnight and requires some heavy lifting. Rather than saddling down 1 or 2 employees with the task of bringing DEI initiatives to life, create a diversity committee with individuals owning different pieces of your DEI plan.

What this diversity activity supports: Setting up a Diversity Committee helps ensure your DEI goals for every DEI pillar are actually accomplished.

Tip: Create BRGs (Business Resource Groups, also known as Employee Resource Groups) dedicated to different DEI initiatives, such as BIPOC, LGBTQ, Women in Leadership, etc.

➤ How to do this DEI activity in person: Host a quarterly in-person panel event where each member of the Diversity Committee provides progress updates against DEI goals and upcoming DEI events.

➤ How to do this DEI activity virtually: Use an HR tool and remote team collaboration platform like to create a shared workspace for brainstorming ideas and scheduling DEI events.

9) “I Am, But I am Not” Activity

(Video) July 11, 2022 Diversity, Equity & Inclusion Meeting

“I Am, But I am Not” is a great diversity and inclusion activity that allows your team to self-identify and then explore stereotypes associated with those identification factors. To start, have each team member fold a piece of paper in half. On the left side, they write “I am…” followed by a self-identifier such as gender, age, race, etc. On the right side, they write “but I am not…” followed by a common stereotype about that identifier. This will result in the phrase, “I am ___, but I am not ___.”

What this diversity activity supports: This activity helps colleagues get to know each other better and helps to dispel common misconceptions and stereotypes.

Tip: Have each participant write down 5 “I am, but I am Not” phrases so they are able to pick and choose which statement(s) they’re comfortable sharing with the group.

➤ How to do this DEI activity in person: Break out into small groups in the office and try to include people of different backgrounds in each group. Sharing in a smaller group setting creates a safe space allowing participants to open up more.

➤ How to do this DEI activity virtually: Host a virtual version of this DEI activity. Start in a large group call to introduce the activity and review the activity parameters. Then utilize smaller break-out rooms for the actual activity and sharing out of statements.

10) Start a Book Club

Starting a book club is an easy yet fun way for employees to explore DEI topics through reading. Books, both fiction and nonfiction, provide readers with a window into different perspectives, backgrounds, and experiences. Book club also provides team members with a great opportunity to have an open dialogue about important DEI topics.

What this diversity activity supports: Reading diverse stories helps employees to empathize with others from different backgrounds or different ethnicities and also explore their own identities in a meaningful way.

Tip: When deciding what books to read, try to select a variety of topics so each month the team is expanding their knowledge. When possible, match up book topics with history months or holidays. For example, May is Mental Health Month, so you could select a book that touches on this topic.

➤ How to do this DEI activity in person: Select a book written by a BIPOC author and gather your book club members together to share their thoughts.

➤ How to do this DEI activity virtually: Choose a book from this list of DEI Book Club picks and set up a virtual book club to discuss themes and takeaways from the selection.

11) Have An International Potluck

What better way to experience different cultures than through food? Hosting an international potluck is an awesome and interactive way for employees to learn more about various cultures. It also helps bring these cultures to life in a unique and delicious way.

What this diversity activity supports: This activity helps employees embrace their own culture through sharing it with others while simultaneously encouraging them to learn more about other cultures.

Tip: If doing this activity in person, create a signup sheet for people to enter what they’ll be making in order to avoid duplicates and track diversity in dishes.

➤ How to do this DEI activity in person: Have employees bring in a dish that celebrates their culture for lunch and encourage your team to talk about their favorite traditions with each other.

➤ How to do this DEI activity virtually: Use a food delivery service like Uber for Business to easily deliver international cuisines to your team.

People Also Ask These Questions About DEI Activities

Q: Why are inclusion and diversity activities important for teams?

  • A: Inclusion and diversity activities are important for teams because they create a workplace environment where all individuals feel safe, seen, and valued.

Q: What are the benefits of doing DEI activities for work?

  • A: Some benefits of doing DEI activities for work include higher employee engagement, an increase in employee happiness, and stronger work output since different perspectives are able to contribute.

Q: What are examples of promoting inclusion?

  • A: Some examples of promoting inclusion are following the Diversity Calendar and setting up BRGs (Business Resource Groups) focused on reaching company DEI goals and creating an inclusive environment.

Q: What is a DEI program?

  • A: A DEI program is an action plan put into place to promote the representation of people from diverse backgrounds and equitable treatment of all employees so their unique needs are met.

Q: How do you implement DEI activities remotely?

  • A: You can implement DEI activities remotely by hosting virtual team lunch and learn events, having guest speakers on webinars, or partnering with external vendors who specialize in virtual DEI events.

(Video) Diversity, Equity, & Inclusion – October 05, 2022

30 ways to boost your income with easy side hustles earning up to £35 an hour (2023)

SIDE hustles are no longer just a side show.

The Henley Business School at the University of Reading estimates these jobs on the side contribute £72billion a year to the economy — almost four per cent of our GDP — while side hustle platform Airtasker puts the figure at a whopping £346billion.

However much you need to earn, there’s a side hustle to suit you. Here are 30 ideas to get you started . . . 

1. CUSTOMER SERVICE: The cost-of-living crisis has seen demand for customer service staff soar and many firms offer flexible work-from-home roles. Search at

Average earnings: £12 per hour.

2. SELL PROPAGATED PLANTS: Become a plant parent and sell online and at local sales. Get started at

COOKING IT IN I doubled my annual income thanks to my side hustle and made £99k in a year

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Average earnings: £60 per month but you can make £100s for rare plants.

3. SOCIAL MEDIA MANAGER: Could you freelance as a social media manager? You’ll need some experience but can earn great pay. Look for jobs at

Average earnings: From £25 per hour to £4,000 for a fixed contract.

4. BE A HOME ORGANISER: Channel your inner Marie Kondo and advertise your services on

Average earnings: From £35 per hour in person and £25 an hour online.

5. CURATE A CLOTHES BUSINESS: Turn old clothes into cash, but rather than just selling your own items, scour charity shops for togs to sell on at a profit.

Average earnings: Around £400 a year upwards.

6. CLEANING: Where’s there’s muck there’s brass. Flexible hours. See and

Average earnings: £10 to £15 per hour.

7. RENT OUT YOUR HOUSEHOLD ITEMS: From power tools to clothes, rent out items you’re not using. Try and

Average earnings: Up to £2,000 a year.

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8. VIRTUAL PA: Offer secretarial services, such as arranging meetings and travel for firms from your home. Find jobs at

Average earnings: £12.56 per hour.

9. FOOD DELIVERY DRIVER: Deliveroo and Uber Eats are both hiring for couriers across the UK.

Average earnings: £8 to £14 per hour.

10. SELL ON POSH PACKAGING: Paper bags and perfume bottles from designers such as Chanel and Jimmy Choo are a hit on eBay. Sell on for home decor or to other sellers repackaging items.

Average earnings: Up to £10 for a pristine paper bag and £15 for rare perfume bottles.

11. SELL STOCK PHOTOS: Snappy with your camera? Flog your photos on stock photo sites. Find out how at

Average earnings: Around £1 per photo sold.

12. IRONING: Charge by the hour or by weight of garments. See or advertise on Nextdoor app.

Average earnings: £12 to £18 per hour, depending on location.

13. WEBSITE TESTING: Try out new websites/apps and give feedback. See

Average earnings: £10 for a one-hour test.

14. BECOME A MYSTERY SHOPPER: Try out shops, restaurants and services and get paid to report back. See

Average earnings: £20 per hour.

15. TAKE ONLINE SURVEYS: Earn from 10p to £10 per survey, done on your phone at home. Try and

Average earnings: From £5 per hour.

16. RENT YOUR DRIVEWAY: Got a parking space spare? Rent it out at or

Average earnings: Up to £1,800 a year in high-demand areas.

17. MAKE TIME FOR SLIME: The sticky kids’ plaything is one of the most profitable items you can sell online. Simple slime is made from clear glue and an activator. You can buy starter kits online and add colour, glitter, beads or toy gems to customise your product.

Average earnings: Sell for £3.50 per unit.

18. RENT YOUR STORAGE SPACE: Like Airbnb for clutter, lets you rent space in your loft, lock-up or garage for customers to store their stuff.

Average earnings: £83 per month.

19. HOST A NEIGHBOURHOOD SALE: Offer to sell clutter from friends and split the profit. Sell online or hold yard sales.

Average earnings: £25 to £100, depending on what you sell.

20. DATA ENTRY: Are you fast and accurate? Remote data entry roles can pay £20 per hour.

Average earnings: £10 to £20 per hour.

21. PACK PARTY BAGS: Parents pay well for pre-filled party bags of sweets and favours. Theme them with top TV and game characters and sell on eBay.

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Average earnings: Around £1 per bag profit.

22. CAKE MAKING: Bake bespoke cakes for events.

Average earnings: £1,560 a year selling four cakes a week.

23. DOG WALKING: Turns wags to riches in as little as an hour. See or

Average earnings: £17 per hour.

24. SELL CRAFTS: Hand-made items are big business. Try selling greetings cards, jewellery or personalised products on Etsy.

Average earnings: £30 to £1,000 per month, depending on what you sell.

25. WORK FOR UBER: Drive up your wages with a taxi job. Sign up at

Average earnings: The average salary is £22 per hour.

26. TRY BEING A TASKER: Sign up to a side hustle site to see instant jobs near you. Tasks include DIY, helping with computers and event work. See and

Average earnings: £20 per hour.

27. BE A DIGITAL WHIZZ: If you can code, design websites or create NFT animations. Advertise your services on local small business forums.

Average earnings: Up to £300 a day.

28. AMAZON FLEX: Become a delivery driver for Amazon. Set your own hours, use your own car and you’ll get paid weekly. See

Average earnings: £13 to £17 per hour.

29. AMAZON FBA: Ever wanted to sell items online? Fulfilment By Amazon allows you to sell your products via Amazon’s giant marketplace and Amazon takes responsibility for shipping. Get started at

Average earnings: Around £1,000 per month for dedicated sellers, but it can be much more.

30. PET SITTING: From once-daily cat feeds to staying overnight with a pampered pooch when the owner’s away. Sign up at

Average earnings: £15 per hour.

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MUM-OF-TWO Amanda Thompson, 33, has made £330 in the past three months renting out gardening and DIY tools. The receptionist, who lives with son Harry, seven, and Marie, 12, in Bodmin, Cornwall, says:

“IN May this year a friend offered me a tenner if she could borrow my hedge trimmer and wheelbarrow for three hours.

“She had a house inspection and needed to tidy the garden.

“It was a lightbulb moment and the start of an accidental side hustle.

“My friend paid me another tenner two weeks later to use my small jet washing machine. She told her work colleague who then hired my electric drill and wood saw.

“I checked all the tools I had for DIY and gardening in my garage. I also asked my mum if I could borrow the ones she had in storage.

“I set my prices so they are affordable, with everyone leaving a £20 deposit. I’ve put together a basic hammer and screwdriver kit which I rent out for a tenner.

“For the bigger items I charge £10-£20 for a few hours.

“It’s a reliable side hustle that helps pay for school clothes.

“One of my friends rents out their pop-up garden canopy and gazebo for people to use for parties.

“Another mate has a spare paddling pool and rents her kids’ toys that they no longer use.

“I insist on seeing identification and most of the people I rent to are friends of friends.”


RUNNING a side hustle is similar to running a small business, so get clear on your rights and responsibilities before you begin . . . 

1. If you already have a job, you cannot usually take a second job which competes with your employer.

2. Making more than £1,000 extra a year? You’ll need to pay tax on your earnings. Find out more at

3. You can operate as a sole trader, a partnership or a limited company. The rate of tax you pay will depend on whether your side hustle is a limited company or not.

4. Selling online? Know that buyers are entitled to a 14-day “cooling-off period” where they can request a full refund.

5. If you are trading through another platform, such as Amazon, eBay or Depop, ensure you fully understand their legal terms and policies. If you are selling overseas, you may need to comply with rules in other regions too.

6. Keep track of spending so you can be sure you’re making a profit. Software such as Xero ( can help.

7. Follow Data Protection rules with customers’ details or you could face a hefty fine.See

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8. Get the right insurance for your needs. Try for more advice.

9. Protect your brand. If you intend to grow the business, you may want to protect your name or logo with a trademark. Equally, ensure you are not infringing another business’s brand, product or logo. You can search for a trademark at