How to Stop Mental Accounting and Gain Control over Your Money Again
Find out how to prevent mental accounting from leaving you broke each month. Few strategies to gain control over your money and become financially independent.
Cheryl Zhao
Cheryl Zhao, a financial expert, has been a part of our team for five years. After earning her MBA from MIT Sloan School of Management, she worked as a real estate broker before turning to blogging. Cheryl’s extensive knowledge of the housing market and trends, coupled with her passion for financial literacy, makes her blog posts an essential read for anyone considering becoming financially independent.
3 Ways to Overcome Writer’s Block and Boost Productivity
How does one begin writing an article about how to overcome writer’s block? That is the question! Let’s just skip the dull part about how writer’s block is totally normal and how it can (and probably will) happen to anyone. The fact of the matter is, if you side hustle on the side to make more money or if your entire business depends on writing content for the web, it doesn’t matter that even the greatest writers of all time have stared at a blank page at least a few times during their careers! If you don’t overcome writer’s block ASAP, you’ll have a difficult time boosting your productivity and making your business work. There are a myriad of articles online that debate this very topic: how to overcome writer’s block. Many have come up with various tricks to get the creative juices flowing and have shared their wisdom all over the internet. Some of these tricks really work, many are rather dopey, a few I haven’t tried yet. The fact of the matter is, every person is different. We are all unique. Some methods work for some writers, some do not. Maybe few of the tricks work when you’re in a certain mood. Maybe not. For instance, washing the dishes while listening to music has never worked for me. Yet, these 2 tricks to defeat writer’s block are highly recommended by so many web content writers! So, what does work? Personally, I’ve found these 3 ways to overcome writer’s block to be the most effective: Read blogs / websites within your niche to overcome writer’s block Nothing can be more inspiring than reading about the topic you’re supposed to write about! If you have a niche blog to maintain or one of your own, you probably know about other […]
Real Estate: The Pros and Cons of Buying an Already Built House
Interested in a new home? Find out if you should buy a home or build it yourself?
What Is SEO Writing and How Does it Help You Side Hustle
What is SEO writing? Isn’t all web content the same? SEO writing plays a great part in getting traffic to a website. And if you’re looking to side hustle to start earning money from home or even open up a freelancing business, content writing gigs make for a great place to start! For the untrained eye, all websites look alike. Search engines though see websites in a very different manner. What do you think a website owner wants to achieve when they set up a new website and make it look like eye-candy for the public? Regardless of the niche or the type of website (blogs, forums, business showcase websites), your main goal should be to get as many people as possible to visit it and read its content. In other words, you should generate organic website traffic with the help of SEO writing for your clients. How does SEO writing help a website (and help you earn money with your new freelancing business) Besides proper search engine optimization techniques, SEO writing is your best chance at attracting organic traffic for a website (visitors who find you on various search engines, without the help of paid advertising). Millions of people use the search engines every minute of every day. And they are all looking to find useful information that could help them solve their problems. Google, Bing, Yahoo and others are still the no. 1 source people go to when they need to look for something specific. And it’s the well optimized, quality content that determines the search engines to push a website to the top. You could use SEO optimized content to help your clients boost their website or even practice web content writing on your own freelance portfolio. SEO writing is content written in such a way that it targets […]
Buying a 50 Year Old House? 10 Common Problems of Old Houses
Find out what to look for, when buying a 50 year old house, since there are problems you can find.
How to Prepare Your House for Selling
Find out how to prepare your house to sell fast and for a better price.
Why local US newspapers are sounding the alarm
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The Main Reason I Could Never Fully Retire
It’s been almost 10 years since I retired. Or at least semi-retired, if I come to study how much time I spend running my small web design business, how much time I traveled and the amount of hours I care for my daughter on an every day basis (which is quite a lot, since she’s still very attached to me). Back in 2009 I lost my radio DJ job and had to dig myself out of debt, while also making my web design hobby intro a lucrative business. And do it fast. Find out more Freelancing Success Story: From Debt to a Successful Business After few bumpy months, it all started to work better. I got some good web design clients, started earning a nice income and could travel A LOT. Spending 18 months in New York City, 2 months in Spain and more than a month in Italy, not to mention other vacations (Croatia for instance) – I could say my ‘early retirement’ looked pretty stellar. I held a ‘regular’ 9 to 5 job for 12 months, only, between two radio jobs. Even if it was a great job, since I was working as a web designer for a friend and college mate, having to be there at 8 a clock and stay there, regardless of having to work or not, didn’t sit well with my restless heart. So I was happy to get back to my radio shows, even if it meant having a schedule again, at least it wasn’t for long (about 4 hours/day) and, hey, radio work is sooooo cool, so it never felt like work. Becoming the master of my time, after starting freelancing full-time – now that was something else. All day for myself to plan as I pleased. And I did please to […]
Refinance Mortgage: 5 Reasons to Consider It
Find out if refinance morgtage makes sense to help you pay off your house loan faster.
A Guide to GIC Rates and The Best Guaranteed Investment Certificates in Canada
A Guaranteed Investment Certificate (GIC), alternately known as term deposits, is one of the safest means to financial security. Offering short to mid-term savings goals, it keeps your money safe that you can access after the specified maturity period. GIC is a type of Canadian investment, so only Canadian banks, life insurance companies, trust companies, and credit unions can issue it. What Is a Guaranteed Investment Certificate (GIC)? GICs are similar to a savings account where you can deposit money for a specific period and earn a guaranteed interest at an annual rate. The rate is higher for a long-term deposit. Unlike a traditional savings account, the most common GIC type locks your money for a period of time that agreed upon by both parties. You cannot redeem the money until maturity, and doing so will result in a penalty. GICs are much favored in the consumer level because: There is no fee to invest in a GIC Most of them beat the savings account interest rates offered by the banks The investor is guaranteed to get the principal after the maturity period Types of GICs to Choose From Based on the interest rates, term lengths, and a few other variables, it is possible to categorize GICs into several groups. Let’s probe into some brief assessments to see which is the most suitable for you: Fixed-Rate vs Variable-Rate The interest rate won’t change throughout the term in a fixed-rate GIC. So, you will know how much you are going to get when the deposit matures. A variable-rate, on the other hand, does not offer any fixed rate. It depends on how the business – stock market, for instance – on which you invested is doing. You can score a higher or lower interest amount than you have expected. Your initial […]