Blogging Tips Part 24 Join Newsletter’s to Gain More Topics to Write About

As an avid blogger, I have noticed that there are times that I just cannot come up with topics. It is hard at times. However; I found the best ways finally to constantly come up with topics to write on. In this blog, we are going to talk about the importance of signing up for newsletters and what the bonuses are when you sign up for them.

Gain a Constant Flow of Ideas

Newsletters can help you in many ways. First off, they can be very informative to those that read them in their entirety. You will find that at times you will actually be able to write an article on a newsletter that you have read.

Plus, at times you will find that there is going to be snippets of useful information on topics that you can expand on, and create your blog. Or, you sometimes you will find that they will give you an idea of an article or blog just by something like a quote or a link that is in the newsletter.

Benefits of Having a Newsletter

So often there are links and other ways to gain access to other places that you can join to gain not only web traffic, gain email subscribers and also have the ability to talk with others about ideas or topics that you can write about.

Or you may find that the writer of the newsletter may ask you to write a piece or 2 for the newsletter that will give you the exposure that you need as a writer and a blogger. A lot of the time if that happens there are going to be times that they are going to tell that it is not a paying position. However; that is not always the case.

It is important to take the time if they ask you to write a column for their newsletter you gain the expectations and if it is a paying position and if there is a way that you can use the work that you do for them in your writer’s portfolio. By asking these questions you will know what is expected and if they will let you use your work in your portfolio. 

Blogging Tips Part 23: Top 3 Tips for Managing Your Time Wisely

Being a freelance writer you are going to find that you are going to have several projects going on several times a month. Some are going to be large and some are going to be small. However; the one thing to keep in mind is that you need to manage your time wisely.

You will find that when you have your busy times in your writing career you are definitely going to need to learn how to manage your time wisely otherwise you are going to become overwhelmed and burnt out. Don’t let that happen to you. In this blog, we are going to discuss 3 tips that will help you manage your time better so that you can get more work done over time without overwhelming yourself.

Stay Within Your Niche

It may sound like you are taking the easy way out. But staying within your niche is smart when managing your time. The reason that you may want to consider doing this to manage time, is because it is something that you either know enough about that you do not need to do research. Or it is something that you have personal knowledge about and you have studied the topic before.

By doing these 2 things you literally can save yourself a ton of time to work on other projects when you have several clients.

Set Time Limits on Each Project

Having several clients at one time can be difficult. However, there is a way that you can not only make sure that everyone’s project is completed and on time. Making sure that you divide your time evenly with each project is key. If you have 3 clients and you have a 24-hour turnaround with just one client and the others can wait a day or two. Focus on getting the 24-hour project done first. A lot of the time the client is going to pay you a bonus for getting the project done before the 24-hour deadline. 

From there you try and divide the time between the 2 projects that are left. Just make sure that you take into account the fact that you may have a few surprises come up so make sure you give yourself a little extra time for the just in case you have to add something to your projects that you did not have to before. You are going to have clients that will ask you to add some things to the project, so make sure you add time for that.

Don’t Take on More Than You Can Handle

One thing that a lot of new freelance writers tend to do is get overwhelmed with all of the projects that they are doing. One thing to always think about is how much you think that you can handle. You will have weeks where you are looking for more to do. Then there are going to be weeks where you are going to have just enough and then there are going to be weeks were there is just too much work for you to do.

Try and keep yourself even. Try and find a medium where you feel comfortable. If you know that you are going to have a large project coming up, it is a good thing to just take that one project do not take too much on. However; if you know that you are going to have small projects take the time and try and figure out how much time it is going to take you for each project. Managing your time is critical when you have several no matter who you are.

Blogging Tips Part 22 How Get Traffic Through Search Engines

If you are like any writer, you always want to make sure you place on the search engines in the Top 10 at least. But some of you are just not getting to that point yet. So, what can you do to make sure that you place on the Top 10 on the search engines that people use to look topics up? In this blog on Blogging Tips we are going to go over the 5 Steps to follow to make sure that you get the traffic you deserve through search engines

Now some of this may seem like common sense however; you would be surprised as to how many of us as a writer forget 1 or 2 of these steps all because we are in a hurry to get our work out there for our audience to read. So, make sure that you follow each one of these steps and you will find that you will do better with your search engine audience.

Write a solid piece

When writing your blogs about your topics take the time and make sure that all of the information that you put in them is correct. So often you find that there are people that will put information in their blogs that do not have updated information in them. Plus, by taking the time to make sure you add photos in with your work is a plus it has been proven that people like click on your blog if you have photos to go along with your work.

Backinks to Your Recent Work

As you are writing your new blogs keep in mind your previous ones that you have had published. If you can think of a way to use one of the titles to your old work and add the backlink to your new blog that is one way that you can increase your traffic greatly. So just because it is already published it does not mean that it is done gaining an audience. You will find that you will have a lot of traffic that are going to go to your links as well which will give you 2 or more clicks with just one visitor to your blog. So, make sure that you keep your past work in mind when writing.

Use a Question in your Description

After taking the time to write your blog the next big thing is to take the time and fill out your description for all of the search engines that people are going to use. By using a question in your description and putting your sub headers in the description you will find that you will gain a larger amount of people to your blog.  It is truly something so simple that you can do within seconds.

Put a Question in the Title

If at all possible try and come up with a question for your blog that you are working on. Search engines like Google and Bing pick up on questions that your readers ask better than anything else. So if at all possible take the time and think of a question that you can use. But if you cannot it is okay there are going to be times that questions are not possible.

Summarize in First Paragraph

Most bloggers forget when they are writing that it is the first paragraph that their viewers read that make them want to read more, or leave to read the next bloggers information. It is imperative that you take the time and summarize what you are going to discuss in your bog the first paragraph. Summarize what you are going to cover in 40 to 55 words. By doing that you are going to catch their attention right away.

You will find that by doing these 5 things before you publish your blog you will gain a larger number of viewers to your blog on a daily basis. 

Blogging Tips Part 21 Gaining Email Subscribes in 5 Steps

Did you know that gaining the ability to have email subscribers is just as important as gaining organic web traffic as well? The reason that this is so important to have is because when you are doing writing one of your blogs no matter what it is about, it automatically goes to all of your email subscribers as something new that you posted and they will have the ability to go right to that page to read what you have to say.

But you may not know how to get all of the email subscribers so that they get the automatic updates on your blog. In this segment of Blogging Tips, I am going to go over 5 steps that you need to do to gain a steady stream of email subscribers. You may find that in some ways you already do some of the steps without even thinking about it.

Multiple Signup Points

When you are looking to gain email subscriber it is important to take the time and several signup points on your blog. By doing that every page that they go to on your blog they are going to have the chance to sign up for your blog. It may sound silly but it does work.

 Deliver Solid Content Always

As an email subscriber if they sign up for your blog and become one people are going to expect you to write solid content and not something that is poorly put together. So often once writers find out that they have email subscriber’s writers tend to go lax and do not work that hard at putting a blog together. That is not what you should do. As a full time blogger or even a part time blogger, everything that you write is something that everyone is looking at and if you do not have the same writing style that your subscribers liked at first they will unsubscribe from your blog.

Send out a Newsletter

Sounds silly, but again this is something that works. Putting a newsletter on the blog that you are writing once a month for your readers to see what is going on in your life and some of the things that are going on in your area put it in and write something about it. This is a good way to gain local traffic to your blog because they know that they can come to your blog to get local event information. The more information that you offer in your newsletter/blog the more traffic you are going to gain.

Always Put Your Subscriber First

It is a good practice to take some time for your subscribers. Take some time and write a blog about your readers and in your blog let them know that if they have any questions or topics that they would like to see covered to let you know. By doing that you are showing your readers that you care about them.

Using a Guest Author Periodically

Using a guest blogger periodically, is important as well. By using them you can show off their talent, as well as increase your visibility online because when they post to your blog they are going to share it with their friends and family as well. Which is really smart on your end? So, the next time that you need to gain some email subscribers that the time and see if you are following these 5 steps. 

Investing Tips Part 8 Buy from Well Known Companies

To my readers this blog is short and sweet and to the point. There is not too much to say other than to please use common sense, and be careful when dealing with the stock market.

As a new investor, it is smart to do your homework on any company that you are considering when it comes to buying stocks on the stock market. However, there are a few things that should be common knowledge when purchasing a company’s stock.

Know the Company

It sounds like common knowledge for a lot of people, but you would be surprised as to how many people do not do their homework and know the background of the companies that they purchase stocks in. It is so important to know the background on all of your companies that way you do not take a chance in losing all of the money that you invest into the companies.

Take Marginal Risks Once and While

As an investor on the stock market it is always in your best interest to watch any of the stocks that you purchase and then over time if you want to invest in the unknown stock that was a risk before and you see that they are doing really good, then if you feel that it would benefit you in the end to invest in the new stock then take a marginal risk and only invest in a few stocks not a large number of them. That way if they do not do well you do not lose a large chunk of money or even lose it all. 

Investing Tips Part 7 Have a Plan for Your Future in Buying and Selling Stocks

As discussed in previous blogs in the Investing Tips for the Stock Market we have talked about how to stay calm and why you should stay calm when you are purchasing. Now in this blog we are going to discuss the importance of having a plan for your future when it comes to buying and selling stocks on the stock market.

No thing that most stock investors do not think of when they are first beginning is where they plan to be in a 5 or 10 year’s time. Believe it or not it is so important to make sure that you plan your future, and whether you are going to continue buying and selling stocks for the rest of your life. Here are a few questions that you need to ask yourself when first investing into the stock market.

How Long Are You Going to Sell And Buy Stocks?

Even if you are just starting out and you are new to the whole stock market experience, it is important to think about how long you plan on buying and selling stock. You will find that there are some investors that invest in stock and sell stocks their whole life. Then you will see that there are investors that are just in to buying and selling stocks just to get the amount they need to be able to retire. So you really should think about where you see yourself.

Reinvesting In Stocks

No matter how long you plan to buy and sell stocks, you should always reinvest into your stocks. By reinvesting your investor portfolio grows and over time you can see when your stock hit the peaks and when they fall giving you a better idea when you should sell your stock over time. By doing that you will find that you are going to make more money over time.

Retire When You Want

By taking the time to study the stocks that you purchase and reinvesting over time you can literally have enough money when you need it, just my selling a few stocks off at time over time. So, if you are someone that wants to have a decent living and retirement make sure that you take the time to plan for your future in the stock market. 

Blogging Tips Part 20 What to Write

As we have gone through the Blogging Tips Segment we have gone over how to write an engaging piece, what people look for when hiring a freelance writer. Now in this segment we are going to go over what to write. There are days where no matter what you think of it just does not seem to be interesting enough for others to want to read it. However, you would be surprised as to how many people will read the things that you do not think is reading worthy.

There are times that you are going to find that it is going to be the things you think that they are not going to be interested it. Even if you have just a blog entry is actually a journal entry on how your day is going. Sometimes it is the personal stories that you post periodically that make your blog real for people that way they know that it is a real person.

But also, like we discussed in Blogging Tips Part 19  How Many Blogs Should I Write In a Day? There are topics that are guaranteed to get your page noticed and your web traffic to increase greatly. Here are some more topics that are sure to get things going on your blog:

·         Everyone loves photos of Kitties and Puppies 

·         Opinion Blogs

·         Political Blogs

·         Medical Research

·         Reviews of Businesses and Products with Photos and Videos

As long as you keep these ideas in mind and you periodically add a personal journal/blog in there mixed in with your other blogs you will find that your visibility will increase greatly. 

3 Seasoned Pork Loin Recipe

Serves 5

Note to cook: Simple and Easy. Feed your family a mouthwatering meal with this pork loin recipe that will keep them coming back for more. Outside coating will be crispy but meat will be tender and delicious.

Ingredients

1 4lb Pork Loin Roast

2 TBSP Creole Seasoning

2 TBSP Rosemary

2 TBSP Thyme

1 1/3 Cup Water

Instructions

1.       In a 9x13 pan add your roast and water

2.       In a shaker jar add your creole, thyme and your rosemary. Mix well

3.       Sprinkling the seasoning mix on roast make sure you are not stingy with the spices

4.       Place in oven at 400 degrees for 2 hours.

5.       Enjoy

Blogging Tips Part 19 How Many Blogs Should I Write In a Day?

As a rule of thumb as to how many blogs you should write you should write as much as you can in a day. However; there is one thing that makes your audience keep coming back to your page. Your knowledge and versatility to be able to write about several topics. If you are going to write 8 blogs in a day make sure that you not only put all of the information in a way that people are going to find your work fun and informative. Also make sure that you have a variety of pieces as well.

 Guaranteed to Get Attention

There are certain topics that actually bring in more traffic if you write the blog in a way that it is engaging and is going to catch the reader’s attention. Some of the topics that make your web traffic skyrocket are:

·         Health and Wellness

·         Recipes

·         Events in your Area

·         Medical Information

·         News and the President

·         How to

These 6 topics are the most research and people are always looking for updated information. If you were to write a few of these topics you would find that you would not only gain more traffic you would gain more followers as well. So, what are you waiting for. Plan your next few blogs today 

5 Tips on Saving Money for Your Younger Kids for College

Let’s face it anyone that has younger kids worries about how they are going to be able to come up with the money for when they go to college. However, if you are starting out when they are younger that is the best thing to do. Here are 5 tips that as parents can do to save for your child for later on in life.

Consider Gerber Grow Up Plan

One of the more popular choices that parents is to choose Gerber Grow up Plan. This life insurance plan not only handles life insurance. It also covers;

·         College Savings

·         Accident Coverage

·         Money build up plans

·         Life insurance

Having the Gerber Grow Up plan is a benefit for several reasons. When your child reaches 21 their insurance doubles without the price doubling. So, when they are in college they will be set. However; for some families that is not an option.

The Hidden Stash Jar

The stash jar is something that a lot of people use. The only thing is you literally have to be able to not dip in to the funds at all. One of the ways that people keep from getting in to the jar is to tape the lid with packing tape or duct tape and wrap it around the jar several times. Sounds silly but it works. Then every pay check you put 40.00 in the jar and you move the jar to another location, just in case you have unwanted guests that are snooping.

By the end of the month you should have 80.00. if you were to put aside that a month for 1 year you would have saved 960.00 a year for your child’s college fund. Now imagine if you were able to do that until they were ready for college.

Make Use of Your Can Return

If you are like any American you either have pop cans and other returns laying around the house or you have seen them while you are walking. Even just the few cents that you save in a jar can add up to a decent amount in just 1 year.

Sell Your Old Junk

We all accumulate junk and things over the years so think about it, what if you were to sell all of your old junk that you do not need and then take that money that you make and put it to a fund to help your child’s college education? And if you were to sell a few things at a time that would mean that you could pick up a few new things for yourself and so on.

Getting That 2^nd Part Time Job

If you are someone that is really serious about saving for your child’s college education you may want to consider getting a second job. This does not mean that you run yourself ragged. In fact, if you are somewhat of a good writer you could even considering a 2^ndcareer as a freelance writer. That way you could set your own prices for your work. You will soon find out that freelance writing has become a big thing in today’s writing industry.

By taking the time by doing one or more of these things over time you can be sure to secure a decent amount of money for your child’s college education. 

Top 3 Benefits of the Gerber Grow Up Plan

Over the years, we have all heard about the Gerber Life Grow Up Plan. But there are a lot of people that are wondering why the Gerber Life Grow Up Plan is the best. Here are 5 reasons Gerber Life Grow Up Plan is the best

Apply at Any Time

If you are someone with a child that is in need of life insurance you can apply for it at any time with ease of access on the internet or you can call a support specialist to help you set up your child’s plan all they have to do is ask a few simple questions. Then you are on your way and you do not have to worry if your child’s coverage is going to go up in price because you can get a price lock. Price locks will help because it will ensure that your price for the insurance will never go up.

Increase Cash Value

With the Gerber Plan, you have the ability to not only make sure that your child has the life insurance that they need. You also have the ability to make sure to put cash aside for them as well. It is definitely a plus for those that plan to go to college. The only thing that they tell you is to make sure your premiums are paid.

Coverage for Life

One thing to know that is most important is to know that your child is protected for life once you start your Gerber Life Grow Up Plan. It does not matter what they decide to do with their life, or if something happens to them. They will be covered for life no matter what.

So, knowing the Top 3 Benefits to having the Gerber Grow Up Plan, what is stopping you from making sure your child is protected for life?

Top 5 Money Saving Tips For The College Student and Parents

There are a lot of parents that have children going into college soon. So how can you make sure that they have a decent amount of money for college life? As a parent, we do worry if our child is going to have enough money when they leave home. That is why it is important that both the parent and your college student.

Here are 5 great ways to make sure that your college bound is securely ready for their journey into life. If done you will be sure never to worry about them money wise ever. Because as they get older they will actually keep doing the same thing to always make sure they have money.

Gain Steady Employment-

No matter what year that they start working no matter it is while they are in high school or after high school during the summer. Take the time to help them find a job that is going to stick with them. Then when they get their first check, take the time to take them to the bank and set a decent percentage of the check in to a savings account that will gain interest over time. That way the bank will add more money too it the more that they deposit money into it.

Then every pay day that they have as a parent you take a certain amount out of your check and set it aside for them as well. That way at the end of the summer or year you can deposit that amount into their account for college.

Baby Sitting

With summer, here there are a lot of kids that are home because school is out. However, there are parents out there that just can’t find a baby sitter. Take some time to take out of your day and watch some kids. You would be surprised at how much money you can make a week just for a few hours of your time. You not only are making it a lot easier for the parents so that they do not have to worry about what their kids are doing but they can be rest assured that the kids are with someone that they can trust.

Making Things and Selling Them

If you are someone that is creative and you like to use your hands and make things. Have at it! There are a few websites that you can put your creations up there and make some money. You would be surprised as to how many people love handmade creations. Plus, the best part is you can set your own price. By doing that you can make sure all of the products you use are covered and you still make a profit on top of it.

Offer Pet Services

Just like kid’s pets need attention too. Take some time and put flyers up for a pet service or services that you are willing to offer, while the pets owner is away. It could be something as simple as a dog walking service or a pet sitting service. Or if you really want Cto help the client out offer bathing services. You would be surprised as to how many people will offer to pay you just for that service.

Contact Your Local Paper

Every summer the normal newspaper carriers take time off to spend it with their families. In doing so the newspaper is always looking for people to deliver the paper. Take the time to contact the paper and see what routes are available. Plus, if you are really good and some of the clients see that you are doing a great job you will find that they will give you a tip on top of what you are making with the newspaper, that is always a bonus.

By doing these 5 things you will find that you will have a lot of things that you can do to make extra money for college. So, do not waste time start today and find out how much you can make today. 

Blogging Tips 18 What Blogging Platform Works the Best in Generating Money?

Over the past 2 months as a blogger and freelance writer expert I have conducted an experiment on WordPress and on Blogger and I am shocked at the results that I have come up with. I wrote 40 blogs on each blogging platform and I am shocked at the result

WordPress has statistics that say that you will gain 37% more of a client base, when you use their services. However, if you are someone that is just starting out you may not have the ability to pay for services. Which is one thing that WordPress does not tell you. In order to get the added audience, you have to purchase a plan from them. But even then, it is still not promised that you will get that much exposure.

However, I have found that when you use Blogger when writing your blog, you will actually have a better audience base and the best part is you do not have to worry about purchasing anything. When you use Blogger, you can do all of the options that WordPress has to offer without having to pay a dime. Your website looks just as professional and you actually have the ability to add other blogs with an import or export button.

With the past 2 months I have literally gained 6000 views on my blog and guess what, as a blogger you also get paid with using Blogger as they are affiliated with AdSense which pays those that advertise for them. So, if you are looking for a reliable blog platform I would strongly suggest Blogger

Investing Tips Part 6 Will I Get A Higher Payout with a Stock Broker?

Will I get a higher payout if I use a stock broker when purchasing stock from the stock market? This is the question that most new stock investors ask. It is a proven fact that yes, you will get a higher payout if you were to use a stock broker. In this blog, we will discuss why you will get a higher payout when you use a stock broker.

Why  Is Having a Stock Broker Important?

When you are new in the stock market industry there are things that you are going to learn as you go. One of the things that people do not know is having a stock broker can actually make you more money when dealing with purchasing stock from the stock market. There are benefits to having a stock broken than to not have one.

One of the reasons that people use stock brokers is because they are able to get new information faster about the stocks and how they are going to be going up and down. They study the stock market on a daily basis, and by doing that they can almost guarantee how the stocks are going to go on a day by day basis.

However; there is a down side to having a stock broker they do require a portion of your stocks. It usually will be a small percentage. But that is how they make their money. So, if you are looking for the best way to make more money with your stocks take the time to consider getting a stock broker to help you make more money with your investments 

Investing Tips 5 Have a Long Term Plan for Your Money

In the Stock Market, it can be crazy and at times very overwhelming, especially for someone that is new at the whole investing in stocks. That is why in this blog of Investing Tips we are going to over how important it is to have a long term plan for your money that you make while you are buying stocks from the stock market.

For a lot of new stock investors, it is exciting when your stocks climb higher and higher when there is a bull market, because that means that as a new investor you are going to end up getting a higher payout than what you paid. However; there is the times that your stocks are going to fall and you are going to lose money that is called a bear market. It happens. The one thing that you want to keep in mind is how can you stay in the positive side of the stock market?

Making Long Term Plans

Now you may decide that working on Wall Street and purchasing and selling stock is something that you are going to want to do for a living. Which is fine but how do you know what to set aside for later on in life versus what to put toward your stocks?

This can be so confusing as a new stock investor. However; as a rule of thumb the percentages should be something similar to 60% goes toward a bank account for retirement. Then the 20% for your every expense’s, and 20% put back into stocks. It all depends on your daily living and what you need a month and what your cash out was.  

Never Invest it All

Some stock brokers are all about pushing the envelope. But as a good practice if a stock broker tells you to invest all of your money at one time, do not. You are going to find that by doing that you are going to be taking a huge risk and possibly losing your money. You will never know when that money could come handy especially when life tends to have some unexpected twists and turns.

Stock Market Tips Part 4 : Don’t Spend Money You Don’t Have

Over the last few Blogs in The Stock Market and Investing Tips we have gone over how important it really is to make sure that you study your stocks before you purchase them. Now, we are going to go over the importance of not spending money that you do not have. Now that may sound easy. However, you will find out when you are wrapped up in bidding on stocks that there are going to be times that you are going to want to spend money that you really do not have just to try and see if your hunch is right. Sadly, most first time investors will find out that they were wrong in their hunch. So how do you keep yourself from making that same mistake?

Set a Spending Limit

One thing that is really important so that you do not overspend, is to take the time and set a limit to the cash that you are going to be spending. Discuss your spending limits with your broker. Your stock broker will have your limits in mind when they are purchasing stock for you.

Do Not Listen to Other Stock Owners

You are going to have other people telling you which stocks to purchase. However, if you did your homework and studied your stock, you should have a good idea which stocks are going to do well in the days stock market.

Do Not Put Yourself in a Hole

The biggest thing that you do not want to do is to barrow against money that is for your daily living in hopes that you are going to come out on top in the end of the day. You will find that by doing this you are risking not just money, but money that you need to live off of. Which could cause a big issue. So, make sure you do not dip in to your money you live off of because you may end up paying for it big time

Tips for Fixing Your Credit Part 5:Benefits of Using Credit Karma

So now that you have Payment strategy and you have been able to pay off several bills over time, the next thing that you need to do is check your credit. However; when you get your credit, report make sure that you do not get dinged for looking it up. One of the best ways to check your credit report without it affecting your credit is by using a service called Credit Karma.

Credit Karma is a free service to those that want to check their credit report. However, they have a lot of other tools that you can use to fix your credit as well. When using this service, you need to keep in mind that it is going to have both reports, but there are times that the do not update at the same time. So if you see that there is a bill on your report keep in mind that it may take some time to fall off your report.

The items that you paid off will fall off of your credit. However, it does take time. It all depends on how you paid the bill. A lot of the time people pay with checks. By doing that they have a log of when they paid it and how much they paid. But checks do tend to take longer to clear with the companies as well as the banks. So keep that in mind that if you paid with a check each time it is going to take time to clear and then it will come off of your report. As a rule of thumb give it a month, if it still has not fallen off within the month, then call the company and give them the last payment information from your check so that they can look in their system. It could be something as simple as someone did not update the system. Once you do that it will come off your report within a week.

So, the next time you want to check and see how your credit is doing and what the next bill is that you have to pay off remember that by using Credit Karma you have that ability and it is not going to hurt your score at all to check it.

Tips for Fixing Your Credit Part 4 Have a Payment Strategy

Fixing your credit can seem like an ever-going process. But in time with diligence and a good strategy even what seemed impossible is possible when fixing your credit. That is why in this blog we are going to discuss the importance of having a payment strategy. Now you may think to yourself didn’t we talk about strategy when we were on Fixing Your Credit 1 Bill at a Time? Yes, we did however we are going to go over another strategy that you may find even more beneficial when paying your bills off.

Too Many Bills, Not Enough Money

So many of us on a weekly basis just do not seem to have enough money to make it through to the next paycheck, let alone enough money to pay off another bill. However, there is a way that you can make sure that you are able to pay all of them without having to worry about not having any money.

Take the time to set up payments. Setting up payments for once a month is really smart with your regular bills. That way you know when the money is going to be coming out of your banking account, but the company also knows when to expect the money. But you also will not forget to pay a bill. Then take the time to balance your check book and even if you have 20.00 that you can set aside for your back bills, you can take that 20.00 and divide it up to pay 2 bills or even 4 bills a lot of the time bill collectors will even take up to 5.00 payments. That way you can pay off more bills at one time.

Don’t Stress You Can Do It

You are going to find that there are going to be times that things are going to be a little tight because let’s face it emergencies do happen. But stay positive, you can do it. There are going to be times that you are going to doubt. But if there happens to be a time that you can not pay on your back bill you can always call them. Explain the situation and a lot of the time they will give you an extension making it so that you can still make the payment. A lot of the time they will just ask you if you could pay just the 5.00 on the account so that your account does not have any more interest add on.

By just giving them the 5.00 you will find that more and more creditors will help you when things do tend to get tight. So, the next time that you think that you are not going to be able to pay on several back bills think again you can do it.  

Tips For Fixing Your Credit Part 3; Talking with a Financial Advisor

Finances can be a complicated thing, and in some cases, can be one of the most complicated things we will ever deal with in life. Sometimes, understanding the basics of credit and debt can only take us so far toward reaching our goals. When you need advice that goes beyond the basics, you need to consider hiring a financial advisor.

Many people don’t realize that financial advisors, are just for the wealthy, and they are just for planning future investments, financial advisors can provide a wealth of knowledge and a range of services including helping you reduce debt which will have the simultaneous effect of improving your credit.

The most important thing you can do to choose the right financial advisor for you is to take stock of your goals and have clear ideas in mind of what you want to accomplish before you even begin research. Finding the right advisor can be like looking for a needle in a haystack, but it is a crucial decision.

Choose an advisor and/or company that is based close to you. That way, if you have questions or problems, it will be easier to set up a face-to-face meeting. Not only can phone calls be impersonal, it can be easy to forget questions you wish to ask over the phone, especially if you’re not in the habit of writing things down.

Secondly, take note of how the advisor gets paid. Advisors can work on fees, commissions, or a combination of revenue sources. If you are looking for something like debt and credit consultation, you may be better off going with an advisor that gets paid on fees rather than commission as they may be tempted to sell you products or services that aren’t ideally suited to you or your needs. Granted, this idea paints a rather bleak picture of human nature, but it’s one that needs to be considered.

Never be afraid to ask any question that pops into your head, no matter how silly or unintelligent you might seem. Many financial advisors say that one of the biggest issues they have with their clients, aside from not knowing what questions to ask, is not asking questions at all. When your financial future is at stake, you must teach yourself that the only stupid question is the one that you don’t ask.

Once you find an advisor you’re comfortable with, a big part of the battle is over. The more you work together, and the more that the advisor understands your needs the more effective the relationship will be. Once your debt is eliminated, and your credit is on the rebound, then you can consider sticking with your advisor and focusing on the investment side of things.

Hiring a financial advisor is just one aspect of a multifaceted plan to reduce your debt, improve your credit, and enjoy a better financial future. With a professional on your side offering advice and support, accomplishing your financial goals will become a whole lot easier.

~Guest Blogger~

Fixing Your Credit Part 2 ; Using 1 Credit Card At A Time

Having good credit is one of the most important aspects of financial health. Minimizing your debt and being a wise financier will go a long way toward lowering your stress level, and making sure that when the time comes you are more likely to get the loan you need for an emergency or a major life expense such as the home or starting a business.

In addition to paying off any debt you may already have one bill at a time, you can make repairing your credit and eliminating debt easier if you can manage to stick to using a single credit card. On the face of it this may seem like a daunting task, but it can be done.

The most important thing to remember is that as much as possible you should use a credit card for needs not wants. Even something as innocent as going to the grocery store can quickly turn into an overly expensive event if one too many snacks or good deals catch your eye. Do your best to track your spending then select an appropriate amount of cash to have on hand every month, and stick to that amount.

If possible, avoid taking your credit card with you on ordinary trips such as to the grocery store to minimize the temptation to spend too much. If you find yourself simply unable to resist spending more than you allot yourself, then keep your card in the possession of someone you trust, and ask them whenever you need to make a transaction. This person will become your debt/credit buddy, and can be a real lifesaver.

Reward credit cards can be a double-edged sword. Some people can be severely tempted to spend more because they’ll receive more in the end, but the more you risk putting on your card the more you risk going into debt.

If for whatever reason you need to make an extra purchase, do your best not to go beyond 30% of your total credit line, this will keep your debt reasonably manageable while at the same time showing the credit monitoring institutions that you don’t spend recklessly, as racking up too much debt at once can hurt your credit by itself. This is especially true for new borrowers who have not shown an established history of paying bills off on time.

A single credit card may seem very restrictive, but done responsibly it can be an easy way to repair and rejuvenate your credit history, or to instill in a young person the necessary mental tools to avoid excessive spending.

~Guest Blogger~

Please take the time to join us for Fixing Your Credit Part 3 Talking With A Financial Advisor 

Tips For Fixing Your Credit; Part 1 Paying One Bill at a Time

For good or ill it is a fact that modern society runs on money. Lack of money is a root cause of any number of problems including strained or failed marriages and even poor physical and mental health. Whether you find yourself drowning in debt, on the edge staring into that void, or looking to avoid it altogether, there are several ways to help yourself.

The first of the tips I can offer for managing and eliminating debt is to pay one bill at a time. Obviously, this may seem an overwhelming task depending on everyone’s level of debt. It is up to the individual to decide which of their bills take priority, but in general, sound payment strategy involves first cutting your expenses as much as possible down to the bare minimum you need to live. The minimum amount of money you need to keep a roof over your head, the lights on, the heat and water running, and keep some food in your stomach is how much you spend that doesn’t go to your debt.

Generally, you want to tackle your smallest debt first, and make minimum payments on everything else. The primary reason for this is psychological. Part of the mental effect that debt has on us comes from the number of bills we receive. If we can reduce the amount of dread that comes from going to the mailbox, then paying off our debts becomes easier.

After trimming all your extraneous expenses and making your minimum payments on all your larger bills, take every spare dollar and put it towards the smallest bill. That extra money will add up over time and your smallest bill will be eliminated much quicker. Once your smallest bill is paid off, you will have extra money to put toward the next largest bill because now you can include the minimum payment that you would’ve made on the smallest one.

By tackling your bills one at a time in this manner, you not only reduce the psychological impact of the number of bills you receive, but you are also training yourself to live on a minimalist budget. It is important to remember that just because you pay off a few of your bills does not mean you can immediately add in unnecessary luxuries. Once your second bill is paid off, you can put all the money that you’ve managed to save per month toward the third bill including the minimum payment you were making on the second bill and so on.

Unfortunately, short of winning the lottery or reaping the benefit of having a wealthy relative or friend, there really is no quick fix to debt. Debt, however, can be managed and eventually eliminated through the application of willpower and sacrifice.
Anonymous Writer 

If you liked this post then please continue to Fixing Your Credit Part 2 Using 1 Credit Card.

The Ballad of Rick and Morty: Content Creation and Emotional Apathy

One of the things that creativity and art forms bring to us is the stimulation of emotion. Depending on an individual’s perceptions a work of art can either be wonderful or terrible, uplifting or depressing, and any stop in between on the emotional spectrum. For some individuals, the cartoon program Rick and Morty has generated more than a bit of emotional controversy. This controversy isn’t necessarily due to the content of the program itself but rather the emotions that that content creates within an individual.

Full disclosure before this article goes any further, I personally am a very big fan of the program. For those of you unfamiliar with the show, Rick and Morty is a program that is part of Cartoon Network’s Adult Swim block of programming. Adult Swim is an ever-changing series of shows that attempts to tackle more mature subject matter and content (or juvenile content, again depending on your perspective).

The show centers around an elderly genius scientist named Rick and the adventures he shares with his less than intelligent grandson Morty. Throughout the show, time travel and interdimensional travel are constant themes. As may also be expected, there is a strong anti-religion/anti-faith vein running throughout the show as a function of Rick’s belief in science as the be all end all and the infinite universes he has access to, showing him anything is possible and that the universe is just too big and often too horrible for there to be any sort of deity, and certainly not for any deity that may exist to be a benevolent one.

One of the main emotional complaints against the show is simply the fact that Rick’s experiences combined with his atheism paint a very dim and bleak picture not only of human nature but of alien life throughout the galaxy. The show seems to create in some people a feeling of hopelessness that somehow gets lost amid the usual cursing and sexual innuendo.

In addition, there is a bit of a backlash relating to the extremely troubled marriage of Morty’s parents, a condition which is played for drama, shock value, and laughs. Seemingly every episode where the characters make progress in repairing the trouble between them everything goes back to the way it was the previous episode and the progress they made is forgotten. To me, this argument is a little disingenuous. Let’s take the Fox network and its run of notable animated programs for an example. Throughout the combined runs of such shows as The Simpsons, Futurama, Family Guy and American Dad, all of which are part of the popular culture to some extent through memes and otherwise, characters repeatedly do disgusting, violent, selfish, and in some cases illegal things to one another. Despite this behavior, in the next episode things are right back to normal and the family is right back to loving each other until the time comes to do more bad things to each other. The fact that in the case of Rick and Morty this phenomenon goes in reverse doesn’t mean the show is setting any sort of precedent.

This sequence extends to live-action television as well, and no one seems to notice or care. In the lifetime of my television consumption, Everybody Loves Raymond was one of the most egregious offenders. Seemingly every episode revolves around some sort of misunderstanding between a man who is constantly portrayed as being lazy and stupid and a woman who is constantly portrayed as being a frigid battle ax. They fight constantly about their kids, their sex life, about the meddling in-laws, about bills, and about household chores. In almost every episode there is some major heartwarming “let’s come together and never fight again” moment, and then the following episode everything resets to exactly the way it was.

I submit to you dear reader, that it is not the job of content creators to censor themselves because of how viewers perceive what they create. As with anything, the market will decide what people tolerate and what they want. If Rick’s doom and gloom perception of the universe is too much for you to handle you are free not to watch the show. As for myself, while I can see the reasoning behind the negative feelings the show might create in some viewers, it is still packed full of jokes and funny references and can serve as a half hour slice of escape from the real and ever encroaching depression of real life. Turn on the news for 30 minutes, and you’ll see almost nothing but a bleak sense of hopelessness. Shows like Rick and Morty are not for everyone, but for the cult following that the show has drawn it’s easy to compartmentalize real life versus fiction.

Anonymous Blogger  

Blogging Tips Part 17 : What are the 4 Types of Writers Success

The freelance writing industry is something that is at times hard to work with. Being a blogger there are things that you have to figure out as far as your writing style, niches, and what bring people to your blogging platform. As a writer, you are always going to have to come up with new content to succeed. The longer that you are in the writing industry you will figure out your style, niche and what people are looking for, but so often a lot of people want to know; How many blogs do I have to write in a day to become a successful writer.

I am here to tell you that in all honestly, it all depends on your definition of a writer’s success. You see most of us tend to go by how many words we type in a day. Others will go by how many blogs we write in a day. Then there are those that go by how many views they get a day on their blogging plat form, then there are those that go by how many comments that they get in a day. So, you see there are many different ways to go by a writer’s success. In this Blogging Tips segment, I am going to go over the 4 types of Writers Success.

How Many Words in a Day

Going by how many words in a day may sound silly. But to a lot of writers it is to mark their success for the day. You see a lot of them will set a goal of 5000- 10,000 words written a day. If they make their goal for the day then that is their success. Writers that write books tend to use this method however there are still others that are bloggers that focus on goals that are similar.

How Many Views Do You Get

There are some blogging platforms that writers use that will show you all of the views that you will get on a specific blog. Depending on how many views your blogs you may want to consider doing what they call segments. That is where you strictly write on subtopics on that topic for instance my Segment on Blogging Tips I have covered 17 things that bloggers and freelance writers need to know about writing and the writing industry. This is a good way to increase your web traffic and gain exposure on the internet.Or if you are someone that has a niche for Stock Market Tips you may want to consider a segment on that . 

How Many Blogs to Write a Day

This is a hard one to go by because, in all honesty it all depends on the topic and how in depth you really go. As a good practice though it is good to write 4 a day. Just keep in mind, make sure that the are about different topics. This topic will be covered soon in our Blogging Tips Segment and I will go in to detail on how to gauge how many blogs to write in a day.

How Many Comments You Get in a Day’s Time

In many writer’s opinions, this is the worst way to view your success as people do not always leave comments. They may have loved the piece but you won’t know that.  The reason you won’t know is they will end up going to the next blog that catches their eye.

So, you see it all depends on how you want to track your success as a writer. I hope this helps those that were wondering how to track your success as a writer. If you like what you have read so far let me know click here to subscribe to my feed 

Investing Tips Part 3 ; 10 Need to Know Terms For Stock Market Terminology.

If you are someone that is new to the whole Stock Market World you are going to find that there is a lot of new terminology you are going to have to learn and stay current with because it could mean in the long run that you could either be ahead and in the stock market or you are at a loss in the market. Which if you don’t know the terminology can mean a big mess if you are not careful. That is why in this segment of Investing Tips for theStock Market I am going to go over some of the very important terminology that you will need to know on your Stock Market venture.

After a while you may want to consider talking with a broker. A broker is a person that will help you with your stocks they will tell you when it is a good time to buy in to and sell stocks, of course they usually do get a fee for helping you with your stocks so that may be something you want to consider at a later date. But until then here is a list of terms that would be good to get to know.

Bear Market – This is when the stock has shown to have a period of prices going down.

Bull Market – This is when the stocks have shown a period of the price of stock is raising.

Blue Chip Stocks- These have to deal with the big-name companies such as Nasdaq that have a proven track record for decent payments and have proven excellent management when it comes to the company and its fiscal year.

Dividend- A portion of money that is paid quarterly or annually to the shareholder.

IPO (Initial Public Offering) -First sale of a stock offered to the public

Margin – Lets a person barrow money from their broker to make an investment in stock. It is the difference that is between the amount, the loan and the securities that is called the margin. This is soothing that you have to weigh your options when you are first starting out in the stock market.

Order- This is a term used when you purchase 100 shares of a company

Portfolio- This is where you will have a list of stocks that you own as an investor. You will find that it is very important to keep your portfolio updated. It could help you in the end.

Quotes- Information that is given for the latest stock price.

Stock Symbol – The symbol represents the company .

Blogging Tips Part 16 Don’t Be Afraid to Cover Topics

Well this is the 16^th Segment of Blogging Tips. I hope that in this journey with all of the tips it has helped you in your journey as a blogger or freelance writer. But I am glad to announce that our journey is not done just yet. In this segment of Blogging Tips Part 16 we are going to discuss the importance of not being afraid to cover certain topics.

The Importance of Being the Voice

As a blogger and or writer you are going to find that you are going to have some readers that are going to tell you that they wish that they had the ability to voice their thoughts like you do. That is when you know that your topic really hit home for some of your readers, and perhaps you should delve a little deeper into the topic and talk with the individual to get their side of the topic.

You may find that by contacting your readers about topics they comment on and get their thoughts on the topic that they are so adamant about. You may find that you are the only one that has the ability to voice that persons thought because they are too scared to voice them.

Make a Difference for People

As you cover the topics that other people are afraid to cover you will find that it is actually going to bring more people to your blogging platform or website, to get your insight on topics. Or they possibly could end up giving you more ideas to write about. So, the next time you are afraid to write on a subject just remember that it could actually help someone in the end, or you could be someone else’s voice. After all isn’t that what you want is more web traffic to your website?

Tips in Investing In Stocks Part 1 Things to Know First

So, you are looking at investing some money in to stocks, but you do not know the first thing about investing in stocks. Don’t worry in this first segment of Tips in Investing in stock I am going to go over the first things that you should do before investing in any stocks.

Study the Stock You Are Looking At

Before you even put any money down on a stock you need to pull up the stock that you are look at and look at what it has done for the past year. Going by the past and how it has done in the stock market you are going to want to look at, how many times it has gone down in the past year and see if there is a pattern. By looking for a pattern you can estimate approximately when it is going to go down again.

Realize Your Risk  

There is one thing that no matter how well your stock is doing right now. The main thing is to remember that no matter how good it is now, there are going to be times that your stocks are going to fall. There is always a risk in investing in stocks. However; Depending on how you do it you could actually make a decent profit as well over time which you could use for retirement later on in life.

Once you do your homework and you figure out which stocks you are going to invest in then you are going to be ready for the next step Keeping Calm When Investing 

Blogging Tips Part 15: 3 Keys to Gaining a Reliable Audience

Have you noticed a drop in your audience when it comes to your blogs presence on the internet? Do you often wonder what it takes to keep your audience coming back for more and sharing your information with friends and family? When you are a blogger having your audience, and keeping it coming back to your blog to read another one of your entries could literally mean you making the bills that month or not.

That is why in this blog we are going to discuss the 3 Keys to Gaining a Reliable Audience.

By following these 3 key factors as a blogger you should not only be able to keep your reoccurring web traffic but you should also be able to gain new web traffic as well.

Write the Trustworthy Content

Think about it why do you think that a majority of your web traffic come to your blog in the first place? One of the main reasons people are searching the internet is to find factual information about a topic. That is why it is so important as a writer to make sure that any content that you put out on the internet is factual and not bogus articles that are going to mislead your readers. By doing that you will find that your viewers will stop looking at your blog. So, make sure you only post facts!

Back up with Researched Information

                Another good practice and key factor that you want to keep in mind is that when you are writing a blog for your blogging platform make sure that at some point you take the time to add links and videos for some of your information. This will show your viewer’s that you have done your research. Plus, it has been proven that by using videos in your blogs it actually will increase your website visibility.

 Leave a Piece of Yourself On Your Blog

                The last key factor while it may sound strange, it is true.  Leave something that is you on your blog to make your blog more unique than other bloggers. Make your mark no matter if it is a catch phrase or something as simple as a quote that you came up for the day. Something that you could tell that it is your personal blog. As a reader, your viewers are going to want to know that you are human and not a robot. Too often on the internet there are websites that are filled with what is called filler information and the website is cold there is no personality. So, make sure to make your mark.

If you are able to include these simple practices into your blogs thank you will find that your readers will keep coming back all of the time. Hope this helps in your blogging career