Thousands of courses for $10 728x90

الأربعاء، 3 فبراير 2016

7 Ways to Become a Financial Hipster

You walk into a cozy nook. The smell of old books and hot chai fill the air.

Then you see them: hipsters.

They’re so cool, with their hair and their clothes and their Macbook Air. Oh, what you’d give to be just like them.

There’s only a slight problem. You’re kind of a nerd. You like to crunch numbers from time to time. Spreadsheets are your gig. You might have actually calculated how much money you need to save per month to have a nice retirement.

how to be a financial hipster

If only you could love finances and be a hipster at the same time. Sure, many hipsters aren’t as calculated as you, but that doesn’t mean you can’t be one too.

Imagine the possibilities. Imagine the friends you’ll make. Imagine your social life blossoming into bouquet of casual conversation – whatever that means.

You can be a financial hipster. And I’m going to show you how.

1. Buy your clothes at boutique thrift stores.

How do you stay stylish while saving money? Boutique thrift stores. Who says you need to drain your wallet to be hip? Nobody worth your time!

Listen, your clothing budget is one of those things that can get out of hand in a hurry. It’s one of those weird discretionary yet necessary budgeting categories.

Financial hipsters never let their sense of style get in the way of their long-term goals. Keep your clothing budget tight, just like your jeans.

2. Read trendy personal finance literature.

Hipsters are educated. Required reading includes anything about the earth, local politics, and expanding your consciousness.

Hipsters may or may not go to college. But when they do, you’ll probably see them reading a work of allegorical fiction between classes.

How do you maintain your hipster status while becoming financially savvy? Well, it won’t be by reading some financial guru’s book, that’s for sure. Instead, pick up something that combines finances with some other subject – say being a soldier. 😉

I give you permission to dog ear pages. That, or use your dog tag as a bookmark. Either will suffice.

3. Eat out at low-cost food carts or trucks.

Don’t waste your hard-earned barista money at those mainstream restaurant chains – unless it’s In-N-Out.

In-N-out-Double-Double-is-so-good

Listen, you have a smartphone. Use a maps app to find all the food carts in your area. Over the next month, I want you to try out a few. Food carts are great because not only are they a hipster hot spot, their prices are pretty affordable too.

Why are they affordable? Low overhead. Fewer employees and lower utilities mean a savings for the food cart which they will probably pass on to their customers to encourage business.

Besides, there’s just something so authentically hip about food carts. If you want some bonus points, you could actually start your own food cart. Pat Flynn, the founder of FoodTruckr.com, can teach you how to start your own food truck business.

4. Bank only at the local credit union.

Banks are a little different then credit unions. I tend to think of banks as typically large, national institutions. Credit unions, on the other hand, are typically small, local institutions.

Hipsters are all about going local.

How do you tell if a particular credit union is right for you? Walk in. Do you smell coffee? It’s probably your place. But remember, the coffee must have been roasted within a one-mile radius. Check with the staff to ensure that’s the case.

They must also have comfortable seating. Picture a local coffee shop – it should look close to one of those but instead of baristas you see tellers who know you by name.

Another reason credit unions are a prime choice of hipsters? They’re generally non-profit entities. That’s right, they don’t feed the corporate machine. As a credit union member, you’re part of a family. You’re doing business with those who value keeping the profits in the family. Member-owned credit unions are democratically managed which means you have a say in how things are operated at the credit union.

Stick it to the man and join a credit union, you financial hipster you!

5. Carbonate your own seltzer water and sip the savings.

Type 2 diabetes may result from consuming too much sugar. You know what usually has sugar in it? Pop (or soda)! Instead, water should be your beverage of choice (besides the occasional artisan latte, of course).

You need to know where your water came from. Don’t believe those water bottle companies who, according to a hipster in your neighborhood, actually bottle their water at the backend of a water treatment plant instead of a babbling brook on the mountainside.

Financial hipsters know better. Bottled water isn’t for you. After all, it costs too much – perhaps even more than gasoline! Don’t get me started on the waste.

That’s not how you roll. Instead, you get your water from the tap. Hipsters believe it’s likely just as good as the bottled stuff, and if you purify it, bonus points for you.

Now, do you just drink it straight? If you said “yes,” I’m sorry, but you’re not a hipster – yet.

You need to make your own seltzer water. There are plenty of “fizzy” machines on the market, just go to your favorite search engine and figure out which one is right for you. Add some fresh lemon to the water and drink it out of your earth-friendly thermos.

Right on, you’re hydrated, are taking care of future you, and look cool doing it.

6. Craigslist.

Just Craigslist.

7. Invest in life experiences.

Around here, we talk about investing for various life goals. For example, you might want to invest for retirement or invest for your children’s college education. All of that is great, and you should do so, but how might the financial hipster invest?

Financial hipsters invest in all of the above, but they also invest in life experiences.

I’m sorry, but life is not about working at your job, coming home, going to sleep, and repeating the process. If you want to be a financial hipster, you have to make time to invest in life experiences.

What are life experiences? Nature walks. Road trips with groupies. Rollercoasters. Coffee at a new coffee house. These are life experiences. The fabric of our lives isn’t all about investing to make money, it’s about investing in ourselves and in other people.

These life experiences should always be experienced slowly and thoughtfully. Don’t just get on the rollercoaster. Stare at the rollercoaster and dream up analogies and life lessons. Take in the thrills.

Now, remember I said you need to invest in yourself and in others.

 

By helping someone out who is in need, you’ll feel warm inside. Even if it’s just spending some time with someone who is lonely, you’re doing a great deal of good.

Listen, just because you’re a hipster doesn’t mean you have to be stuck up. You can be a warm, caring hipster. Hipsters are cool, and they can let others be cool, too.

As the financial hipster invests in themselves and others, they’re also investing in their financial future. Without investing in their financial future, they’ll eventually arrive only to realize that they blew it because they didn’t pay attention to some of the foundations of finance.

Don’t be that guy. Hipsters don’t look good broke.

In summary, here’s what I want you to do: find balance. If you pay too much attention to money, you’re not a hipster, you’re a financial nerd without friends. If you go out and party every other day like there’s no tomorrow, you might be a hipster, but you won’t be a smart one.

Are you a financial hipster?

If you weren’t before you started reading this article, hopefully you are now. Go forth, be trendy, and crunch some numbers!

This post originally appeared on Credit.com.



Source Good Financial Cents http://ift.tt/20ao0gf

Shareholders set to continue enjoying dividends as BP flounders

On Tuesday it was announced that BP would be binning another 7,000 jobs by the end of 2017 amid financials that detail an annual loss of £4.5bn in 2015.

It has been announced that BP will be binning another 7,000 jobs by the end of 2017 amid financials that detail an annual loss of £4.5bn in 2015.

read more



Source Moneywise http://ift.tt/1KqN2pj

This Costco Membership Deal Easily Pays for Itself — Plus You Get FREE PIZZA

Want to start buying in bulk to save some pennies, but haven’t had the spare change for an expensive warehouse club membership?

Happy February, you guys: Costco is feeling the love.

Free Pizza and Costco Coupons with Gold Star Membership

When you get your Costco Gold Star Membership through LivingSocial, you’ll spend the regular price of $55…

But you’ll also get almost $80 worth of other freebies, like a $20 Costco Cash Card and — my very favorite — FREE PIZZA!

Here’s what’s included in this awesome Costco membership deal:

  • 1-year Gold Star Membership and Household Card
  • $20 Costco Cash Card
  • Exclusive coupons for a 72-pack of AA batteries (never run out again!), organic tortilla chips and food court pizza
  • $25 off your Costco order of $250 or more at Costco.com

Not too shabby, right?

All told, those goodies add up to a value of $133.93. So you’re saving over 50% on the full price… and easily breaking even on the cost of your membership.

Ready to Get This Costco Membership Deal?

Already screaming “Sign me up!” at your computer screen?

Here’s the more effective action: Head over to LivingSocial and grab the deal for $55.

Redeem your online voucher by May 31 to receive a printable Costco Membership Activation Certificate via email.

Just bring the printed certificate to your local Costco, and congratulations! You’re officially a member.

Those snazzy coupons will arrive at your door within four weeks of voucher redemption, according to LivingSocial’s site. Make sure you use them by Aug. 31, 2016, or they’ll expire!

Keep in mind, this deal’s only good for brand-new memberships or memberships that expired before Oct. 1, 2015.

Sorry, current Costco shoppers, you can’t renew your membership with this deal. But you’re still saving a ton buying in bulk!

Your Turn: Will this LivingSocial deal make a Costco member out of you?

Jamie Cattanach is a junior writer at The Penny Hoarder. She also writes other stuff, like wine reviews and poems — you can read along at http://ift.tt/1RiB7sH.

The post This Costco Membership Deal Easily Pays for Itself — Plus You Get FREE PIZZA appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/1nNx3I7

Eight Common Myths About the FAFSA, Busted

Whether you’re heading off to college straight from high school or you’re a nontraditional student getting a new degree, it’s time to think about filling out your FAFSA — the Free Application for Federal Student Aid.

While the federal FAFSA deadline isn’t until June 30, 2016, your state or college may have a different (and far earlier) deadline for processing your application and figuring out your financial aid package — so the time to do it is now.

Filling out a FAFSA may seem intimidating, especially since there’s a lot of misinformation out there about the process. To help shed some light on the process, we’re busting eight common myths about the FAFSA — what it is, how it works, and whether it’s worth the trouble.

Myth #1: I’ll never qualify for any financial aid because my family makes too much.

Uncle Sam doesn’t have an income cutoff for financial aid, so you won’t know what you’ll qualify for unless you file a FAFSA. There’s a lot more at play than income, too, such as the size of your family, whether your parents are close to retirement, whether you have siblings in college, the price of tuition at your school, and so on.

Even if you aren’t eligible for need-based federal aid, you’ll still want to file a FAFSA to get access to unsubsidized federal loans, which aren’t need-based, and any aid that your school may award that requires a FAFSA to obtain.

Myth #2: My college savings fund means I’ll never be able to qualify for aid.

This is an often-asked extension to the last question. If your parents were diligent savers who put money away in a college savings 529 plan, does that mean you’ll be penalized as ineligible for other aid?

The truth is that a 529 account is treated like any other parental asset as long as it’s owned by a parent or dependent student, and there’s a low cap on the parental assets that go into calculating a family’s expected contribution to college expenses. The benefit of having the college savings account should vastly outweigh the potential reduction in aid that may result from having one.

Myth #3: If I live on my own and support myself, FAFSA won’t consider my parents’ income.

You’ll have to jump through several hoops to prove financial independence on the FAFSA — living alone and supporting yourself isn’t enough. If you’re 24 or older by Dec. 31 of the school year for which you’re applying for aid, you will be considered an independent. If that’s not the case, here are some other ways you may be able to claim financial independence:

  • You’re married, or separated, but not divorced.
  • You’re pursuing a graduate degree such as a master’s or Ph.D.
  • You’re active-duty military.
  • You’re a veteran who was honorably discharged from active duty.
  • You have financial dependents such as children.

The above is not an exhaustive list; please check the U.S. Department of Education’s federal student aid website for more information.

Myth #4: The FAFSA only affects my federal student aid.

While it’s true that filling out a FAFSA is the only way you’ll be able to receive federal student aid, most schools also use the form to assess your eligibility for their own non-federal aid programs. Private and state organizations that award scholarships and grants often also use the FAFSA to help determine your eligibility.

Myth #5: FAFSA is the only financial aid form I need to worry about.

Maybe, maybe not. About 300 schools, mostly selective private schools, require a form called the CSS Profile in addition to the FAFSA. The CSS Profile is more detailed than the FAFSA and does not assess eligibility for federal aid. Rather, it helps these schools award their own non-federal aid packages.

If your school also requires the CSS Profile, take note: Your school may set a separate, earlier deadline to receive this document. Check with your financial aid department if you’re unsure.

fafsa form

Photo: George Washington University

Myth #6: I need to have good grades to qualify for aid.

At least initially, your grades won’t affect your eligibility for federal student aid — including grants, loans, and work-study positions. (Your grades may affect your eligibility for non-federal aid such as your school’s merit scholarships.)

However, to maintain your federal aid once you’re in school, you’ll need to show “satisfactory academic progress.” Your school defines what constitutes this progress, but it typically will require you to achieve at least a certain GPA and a minimum number of credits each semester or school year.

Myth #7: I only need to file the FAFSA one time.

Wishful thinking, unfortunately. You’ll need to file a FAFSA every year you’re in school. After all, there’s a good chance your financial situation will change from year to year. If your parents win the lottery, Uncle Sam wants to know. On the flip side, if one of them loses their job, or one of your siblings begins college and your parents can’t contribute as much to your tuition, chances are you’ll get more aid to reflect your new circumstances.

Fortunately, filling out the FAFSA online means you won’t have to start from scratch every year. The renewal application means that some of your information will automatically be carried over from year to year — just make sure it’s still accurate.

Myth #8: The FAFSA is so complicated that it’s not worth the trouble.

Again, if you don’t fill it out, you can’t reap the rewards. You can save yourself at least part of the headache by skipping the intimidating paper version and filling out the FAFSA online. In a relatively recent development, the online version now uses “skip logic” — it lets you skip questions that don’t apply based on your earlier responses, saving time.

You’ll also have an easier time if you (or in the case of dependent students, your parents) have everything you need on hand, including your most recent tax return. You can use estimates based on a previous year’s taxes if you or your parents haven’t filed yet, but filing your taxes first will save you from having to update the FAFSA later.

Don’t Wait to File the FAFSA

As we mentioned above, you won’t want to wait until the federal FAFSA deadline, June 30, to file. Many institutions will have far earlier cut-offs for aid eligibility, and some financial aid is doled out on a first-come, first serve basis.

For more information about paying for college, check out some of The Simple Dollar’s previous articles:

The post Eight Common Myths About the FAFSA, Busted appeared first on The Simple Dollar.



Source The Simple Dollar The Simple Dollar http://ift.tt/1TDTw6o

Hate Your Boss? Channel Your Anger for a Chance to Win $200

Do you have any stories of inspiring, horrible, strange or otherwise memorable bosses tucked away in the annals of your work history?

Maybe your current superior comes by your desk with something worthy of a heavy eye roll a dozen times a day.

You can stop venting through vague Facebook posts and confusing Snapchat selfies.

We’ve found a way you can turn the experience into cash!

Work Stew, a website of work-related essays and interviews, wants to hear about your “memorable bosses” for its free writing contest.

Memorable Bosses Writing Prompt

“Tell us about the manager who has affected you the most — for better or for worse. No real names, please. Just vivid, juicy tales from your work life, past or present.”

The winner receives $200 and publication on Work Stew.

Other entries may also be published, but there are no additional cash prizes.

Essays must be no more than 600 words and previously unpublished. Submit via email before February 15 to kate@workstew.com (full contest details here).

Want more ways to get paid to write?

Check out our list of blogs that pay $100+ per post. We’ve also got some tips on where to find freelance writing gigs.

Good luck, Penny Hoarders!

Your Turn: Do you have a story about a memorable boss? Will you enter this writing contest?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more.

The post Hate Your Boss? Channel Your Anger for a Chance to Win $200 appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/1P6IWl7

How Your (Or Your Spouse’s) Obsession With the NFL Could Earn You $100 Cash Back

I’m a college football fanatic.

When the summer starts to fade each year, I get giddy with excitement because I know the season’s starting soon.

If you love football like I do, you know what I’m talking about.

The thing is: I don’t have an NFL team. Since I move around so much, I just haven’t been able to decide on one.

I play fantasy and follow certain players, but I’ve dragged my feet finding a team to really be in love with.

But that might change now — I just discovered a way to earn $100 cash back from devotion to a single NFL team. It might finally be time for me to pony up and commit.

Are you or your spouse an NFL super fan?

Then you might be interested in this quick way to earn money from your obsession — just in time for Super Bowl 50!

The Weird Way the NFL Could Help You Earn Money

Here’s the reason I might finally pick a team: I could earn $100 cash back by applying for the NFL Extra Points Credit Card, issued by Barclaycard.

Here’s how it works…

If you’re approved for the card, you’ll earn 10,000 bonus points for spending $500 in the first 90 days. You can redeem those 10,000 points for $100 cash back.

For me, spending $500 in three months won’t be hard. It’s money I’ll use on groceries, yoga classes and other bills.

So, just for spending like I normally do, I’ll earn enough points to redeem for $100 cash back. Pretty cool, right?

The card also has no annual fee, and if you make NFL-related purchases — think eligible game tickets, team gear, even food at the stadium — you’ll earn two points per dollar.

On all other purchases, you’ll earn one point per dollar.

Redeem your points for 1% cash back, or NFL rewards like jerseys, passes to training camp and even regular season tickets.

Could It Work for You?

Besides the cash rewards, this card also caters to NFL fans in a few other ways.

You’ll get a 20% discount on any NFLShop.com purchases, and a 0% promotional APR for six months on eligible NFL ticket purchases.  

Ooh, and also: The card is emblazoned with your team’s logo, so you can show off your pride wherever you go!

If you’re interested in learning more about the NFL Extra Points Credit Card, click here.

As for me?

I’m still deciding on a team. It’s between the New York Giants and the Green Bay Packers right now — any thoughts on who should make the final cut?

Your Turn: Who’s your NFL team?

Sponsorship Disclosure: Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which ThePennyHoarder.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We do not feature all available credit card offers or all credit card issuers.

Susan Shain, senior writer for The Penny Hoarder, is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

The post How Your (Or Your Spouse’s) Obsession With the NFL Could Earn You $100 Cash Back appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/1PS5vaq

7 Ways to Make Your Brand and Content More Likable

like me

Do your readers love you? Do they at least like you?

These are serious questions even if they sound like questions you’d ask about your friends in grade school.

People have more choice than ever before.

Within 22 seconds, they can find 2-3 other blogs in your niche to read.

Within just a few searches, they can find a business that sells a similar product to yours.

It puts the reader and the customer in control.

If they fundamentally do not like you, your business, or your writing, they’re not going to stick with you.

Why would they?

And if they’re indifferent to you, that’s just as bad because it means they don’t really think much about you either way.

But even if your customers and readers do like you and your brand, wouldn’t you prefer them to like you and your brand even more?

Of course you would, it’d be silly not to.

The better you look in a visitor’s eyes, the more content they will read, the more action they will take, and the more likely they are to become a customer.

There are many factors that influence whether or not a visitor likes you and your brand.

What I’m going to show you in this post are 7 tactics that you can implement to make either your brand or your content more likable.

If you do use them, expect more traffic and subscribers, a higher email open rate, and more sales. 

1. Share your opinions and be firm

When your goal is to be liked, you should never say anything controversial, right?

At first thought, it might make sense, but it’s dead wrong.

Think about people you like the most (that aren’t in your family).

They are the people who share their opinions with you and with whom you happen to agree (for the most part).

Then, think about the people you don’t like.

They also likely share their opinions with you, but you probably don’t agree with them on important issues.

Opinions and thoughts are some of the biggest factors in deciding whether you like or don’t like someone.

If you never share your opinions, no one will likely hate you, but they probably won’t like you either.

If you want to create likable content, you need to share your opinions: Blogging is not journalism. If you want to write unbiased content, head to Wikipedia.

So, what happens when you do share your opinions?

Usually, one of two things:

  • they like you a little more if they agree (or like the way you presented it)
  • they like you a little less if they disagree

The more important the topic is to them, the bigger the reaction.

If you tell someone who is really into politics in the US that you support the Democrats, most will either hate you or love you, depending on which main party they support.

Here’s an example of Jon Morrow calling his readers dumb:

image04

Okay, he didn’t call them all dumb, but he shared a real opinion he had.

He said that if you’ve been spending years trying to get traffic and you still haven’t, “it’s because you’re dumb.”

The people who have actually been struggling for years are going to be pissed. They aren’t going to like Jon.

Honestly, his comment is a bit rude. But a lot of people are going to agree with him.

And those people will appreciate that he shared such a controversial opinion.

Won’t you eventually lose your entire audience? We all disagree on something.

So, if you share your own opinions in your content, doesn’t that mean that you will scare everyone off at one point or another?

It doesn’t.

For two reasons.

The first is that even if someone really disagrees with you on something, that alone won’t be enough to make them not like you (for most topics).

The second reason is that even if you don’t agree with an opinion, you can respect how it was presented and the thinking behind it.

For example, Ryan Deiss, a very successful marketer, wrote a post called “Why Blogging is Dumb”:

image17

If you know me, you know that I don’t agree with that statement.

However, he does point out some valid drawbacks of blogging and presents a possible solution.

I don’t think he’s necessarily correct, but I know that his strategies have worked well for him. I’m not going to hate, or even dislike, him at all just because he has a few differing opinions.

In fact, I kind of like him for it because he presents different viewpoints that get me to reconsider my own.

The bottom line:

Don’t hold things back—share your opinions. You’ll scare off some readers and customers, but the ones that share your views will like you much more.

2. Focus on the value, not the conversion

The things that make your content and brand likable aren’t always to do with the content itself. Sometimes, it depends on your approach to marketing and sales.

It shows whether you care more about your audience or your sales.

I’m not saying you shouldn’t care about both, but most of your attention should be on adding value to your audience’s lives.

If you do that, your audience will like you more and be loyal, and your sales will be better in the long run.

There are a few specific ways in which you can show your audience members what you care about most.

Way #1 – What your emails say: It’s safe to say that your most important audience members are the ones subscribed to your email lists.

They typically have two logical reactions when they get an email from you:

  • if it’s a sales email (e.g., “buy my product”), they won’t be happy and will like you a bit less. If you continue with sales emails, they may eventually unsubscribe.
  • if it’s an interesting email that contains value, naturally they’ll like you a bit more.

Of course, this only matters if they initially like you enough to open the email.

One email alone rarely makes or breaks an opinion of you, which is a good thing. If you make a few mistakes, don’t worry. Just learn and move on.

If you’re on my email list, I encourage you to take 30 seconds and look at the last 30-50 emails I sent you.

It should look something like this:

image08

None of these emails are in anyway connected to any of my products or services.

I get emails and comments all the time from readers who have been subscribed to my lists for over 6 months who can’t figure out what I’m selling.

They’re genuinely curious as to how I make money since they only get emails with new content that can help them.

And that’s the way I want to keep it.

I blog so much because I love it, and I love helping the type of people who read my posts.

I strongly encourage you to adopt a similar approach if you haven’t already.

It’s fine to send a few sales emails once in awhile, but those providing value should outweigh them at least 10:1.

If you stick to providing nothing but value for a while, readers won’t have any choice but to like you because all you’re trying to do is help them.

Build up that feeling and relationship first before you pitch anything to them.

Way #2 – Is content the focus? Opt-in boxes, and particularly pop-ups, could be called a necessary evil.

They’re the only reasonable way to build your email list.

image00

Understandably, readers don’t like them, especially the hard to close pop-ups (particularly annoying on mobile).

Although I’m not saying you shouldn’t use them at all, you should limit the use as much as possible and try to make them as easy to get past as possible.

As a simple test, ask yourself this:

When someone loads your page, is the content that they came for clearly in front of them?

If there are too many distracting opt-ins, sidebar ads, and pop-ups, readers won’t be happy. Then, they will associate that feeling with you and your brand.

When you come to read a post on Quick Sprout, there are opt-in forms. However, the content is front and center. It’s the first thing you see:

image14

There’s no scrolling needed, and there aren’t any overly distracting things in the sidebar.

A great reading experience is what readers will enjoy and remember you for. Make that your first focus before you worry about your email sign-up rate.

3. People like brands that engage

In the past, brands could hide behind their corporate perception.

But now, consumers want to know about the people they’re buying from and reading from.

It’s much easier for them to find out information about an author or marketer working for a brand.

And what they look for isn’t whether you’re an amazing person who does a lot of charity work; they look to see that you’re a real person.

The want to know that if you tell them something, you stand behind it.

More than anything, they want to connect with people, not companies.

So, how do you do this?

You need to take any opportunity you can to engage with your readers and customers.

One of the best spots is in the comment section of your posts. For example:

image18

There are three aspects of my comments and replies that you should try to emulate on your own posts:

  1. They’re real comments – When I say real, I mean that there’s no corporate BS, just real words coming from me. It’s a real conversation, with words like “I” and “you”—and not “our brand appreciates your support” (ugh…).
  2. I post under my name – Wouldn’t it be ridiculous if I posted under “Quick Sprout”? And yet that’s what many bloggers do. No one wants to talk with your brand; they want to talk with you.
  3. They have detail - Even though I have hundreds of comments to reply to a day, I try to avoid one word responses like “thanks.” Instead, I’ll leave detailed responses like the above whenever possible.

Do not limit yourself to just the comments section of your posts.

That’s a great start, but as your brand grows, there are going to be conversations about your content and products everywhere across the Internet.

Those are opportunities to show that there’s a real person behind your brand who cares. It’s also where many people decide whether or not to give your content or product a shot.

If you show up and leave a great comment, it makes their decision easy.

Social media is a huge source of conversations.

To start with, you always want to respond to comments on your own page. It’s a simple thing to do, but so many businesses don’t:

image05

In addition to engaging with your readers the way I just described, the next thing you should do is set up a Google Alert that lets you know when someone mentions your name or brand.

image03

Click the “show options” link to set the parameters of the alert, e.g., how often you want to get the alerts.

Then, you’ll get emails to your Gmail account at whatever frequency you chose (“how often”) that look like this:

image12

I’m mentioned in both of those links, and they are good places to leave a comment and respond to any other comments that mention my name.

In addition to monitoring my name, I monitor other keywords related to my brands. For example:

  • “Quick Sprout”
  • “Quicksprout”
  • NeilPatel.com

Always remember to include common misspellings.

4. Acknowledge the negative, but focus on the positive with your content

Everyone knows that one person.

No matter what happens, they always find a way to point out something negative.

Even if you like the person in general, it’s really hard to spend much time with a person like that.

Everyone understands that things aren’t perfect, but it’s most productive and enjoyable to try to focus on positive things while fixing negative things when possible.

But focusing on negative things just brings people down and doesn’t inspire action.

And this relates directly to content creation.

As the content creator, you control the narrative.

You get to choose whether you’re focusing on negative things or positive things.

Some bloggers choose to focus on nothing but negatives in their industry:

  • criticizing peers
  • criticizing consumers and brands
  • ranting about problems in the industry
  • focusing on scandals

Sometimes, a bit of that is a good thing. But if you find yourself writing “negative” posts week after week, your readers are going to associate you and your brand with negative feelings.

Why would they continue to come back to your site if all you do is make them feel sad and helpless?

They won’t.

Content marketing is supposed be about educating your readers and improving their lives.

Negative topics can bring certain things into perspective occasionally, but rarely they do much more than that.

Focus on the good: Think about the guy who likes just about everyone in his life. It’s hard not to like him because he always finds the good in people.

Then, think about the guy who criticizes others behind their backs. No one likes this guy for obvious reasons: they don’t want to be next.

Those are two extremes, but you want to be much closer to the first guy than the second.

Your content should be almost all focused on helping readers improve their skills or advancing your industry:

image06

Most of my posts are written to educate my readers, to give them the power to improve their lives.

No, not everyone likes me and my brand, but a lot of people do.

It’s hard not to like someone who dedicates a lot of time and resources to helping you any way they can.

Be that person in your readers’ lives.

How to focus on the good and the bad: I mentioned that sometimes it’s okay to focus on negative things, and sometimes it’s even necessary.

The best example I can think of to illustrate this point are humane societies.

Few have more reason to focus on negative things than humane societies do. It truly is sad when they have a ton of animals just waiting for real homes or when they uncover stories of animal mistreatment.

But they recognize that their audience is already informed about these bad things. They know that these negative topics deeply sadden their audience.

So, while they bring up sad events occasionally, they don’t inundate their audience with them because most people in that audience couldn’t handle that.

For example, the Toronto Humane Society occasionally posts about animals they’ve taken care of for an extended period of time (pretty sad):

image10

But 90% of the posts are happy stories about animals who have been adopted and found great homes:

image16

If there are negative things in your industry, it doesn’t mean you shouldn’t make your audience aware of them—just don’t overdo it.

Instead, focus on positive things as much as possible and on contributing to your community.

5. Understand the changing landscape of media

To me, the perception of content is fascinating.

A post can be the most boring thing in the world that puts you to sleep, or it can be so gripping that you fly through it.

The second type is much more likable. If you enjoy something that someone gives you, you’re going to like them for it.

Of course, most posts fall in-between those two extremes.

There are obviously many factors that affect how entertaining your content is, but a lot of it is due to how well you adapt your content to the changing times.

Ten years ago, you could write about anything in any way, and it would still get read even if it was a giant wall of text with very little value.

Since then, content has come a long way.

People expect value, entertainment, and presentation all in one.

There are three components of modern content that I feel make the biggest difference in how engaging your content is.

Component #1 – Write conversationally: I have an honest question for you: do you feel like I am giving a lecture to you when you read a Quick Sprout post?

I’m going to assume (and hope) you answered “no” because I try really hard not to sound that way.

Your writing should sound similar to the way you would speak to someone in real life.

Even though content is typically a one-way medium, that doesn’t mean that you just have to drone on about whatever you’re writing about.

Instead, ask questions, and use the language you’d use in real life, words such as “I”, “you”, and “your”:

image20

You can pick any part of my content and find at least a few of these words.

This post is about you and me, not about some hypothetical marketer in a textbook.

Make your content personal and conversational.

I highly recommend reading your posts out loud when you’re finished creating them. Pretend that you’re teaching a member of your audience in person.

It will be really obvious where you are not being personal enough.

Component #2 – Use media in content: No one wants to read a wall of text. Images are a great start, but these days you can include even more entertaining types of media.

Videos are a great example of this.

Perhaps even more useful, and more casual looking, are memes and gifs. I don’t want to sound too much like an old guy, but these are the ways to be “hip” right now.

A lot of top blogs, such as Buffer, are incorporating gifs into their content (basically short, silent video clips):

image01

Component #3 – Be transparent: Transparency not only makes your content a lot more gripping, it also makes you more likable (in most cases).

Transparency in content marketing means essentially pulling back the curtain and sharing your personal experiments and thoughts on running your business.

For example, I’ve written quite a few posts in which I share how I accomplished things like building a 7 figure agency:

image07

Even throughout other posts, I share personal stories whenever possible:

image19

Any personal story that a reader can relate to helps you build a bond with them. It makes you more likable because you share things in common.

Any time you get a chance to share a relevant personal detail or experience, do it. Your readers will like you more for it.

Don’t be worried if you think it makes you look dumb. Your readers won’t think of you that way. They’ll just see that you’re human after all.

Additionally, you can craft a whole series of posts around transparency. That’s essentially what the whole Groove blog is all about as well as my 100k case study.

image02

6. Don’t abuse content upgrades (which comes from a common misunderstanding)

We talked about how tactics that you use to build your email list can annoy readers and make them like you less.

What we didn’t go over was that beyond the annoyance of a pop-up or opt-in itself, the content of those tactics can also make users feel unsatisfied.

One of the most popular and effective email conversion tactics is the content upgrade.

If you’re not familiar with content upgrades, they are simply content-specific lead magnets that you offer your readers. Like this:

image13

Because the lead magnet is so relevant to the post, it can get a great conversion rate.

For example, in a post of 26 tools that improve blog performance, I offered a content upgrade of a cheat sheet of the tools. It’s a useful little download that many readers were interested in.

Where it all goes wrong: The content upgrade is a fantastic tactic; it works great.

However, it could also make your readers like you less if you apply it incorrectly.

The content upgrade bonus is supposed to be exactly that—a bonus.

More than a few times, I’ve seen bloggers offer information in a content upgrade that should have already been part of the content itself.

That’s how you annoy a reader.

If you write a post titled something like:

Stop Writing Boring Headlines: 11 Types of Headlines That Pique Reader Interest

…you’d better have your 11 best types of headlines.

But imagine if you did either of the following:

  • included 11 headlines but added a content upgrade that contains “the 2 headlines that are better than all these”
  • only included 8 headlines in the content and then asked the reader to opt in to get the final 3

The reader is going to feel cheated.

You made a promise in the headline, and they expect you to deliver it.

When they read a post, and then you tell them they have to opt in to get the really good stuff that should have been in the post, they will rightfully be a bit upset, feeling you pulled a bait-and-switch on them.

Have no doubt, you’ll get a great opt-in rate. However, you’ll get a high percentage of temporary email addresses and instant unsubscribes and be marked as spam.

Readers remember being tricked and will not like you for it.

The simple solution: Ensure that your lead magnets are truly bonuses. They should serve as an addition to a full piece of content, not a small piece hidden behind an opt-in form.

7. Altruism in your community goes a long way

The final way to make your brand more likable is to do something generous for your community.

Your typical content is a nice thing to do for your community. However, I’m talking about next level generosity here.

Throughout my career, I’ve found that the more you give, even without any expectation of getting it back, the more you do in fact get back.

Let me give you a few different examples.

I started by taking my free content to the next level with my advanced guides on Quick Sprout:

image15

These were so in-depth and useful that I had tons of people saying I should be selling them.

But I released them free—with no sales pitches, affiliate links in them, or anything like that.

Another product I briefly sold was Quick Sprout University:

image09

This took a ton of effort and resources to create.

While I sold it for a bit, I decided to release it for free. You can still access it using the top menu on Quick Sprout.

But generosity can go far beyond content and training.

A great example of this is TOMS shoes.

image11

For every pair of shoes they sell, they also donate a pair to a child that needs one.

This is similar to giving a percentage of sales to charity, but it shows that they care even more because they actually make the effort of making and delivering the shoes.

When you see someone do something out of the ordinary, it’s really hard not to like them.

And because of that, you’ll support them. Why wouldn’t you?

Although you give because you want to improve the world or your community, the supporters and likability you gain from that almost always bring much more back to you than you spend.

Conclusion

Wanting to be liked is a human instinct.

But more than that, being likable is necessary for modern marketing.

Readers and consumers have so much choice (for most things) that the part that often makes the difference is how much they like the people and brand behind the product.

It’s up to you to put in the effort to make yourself, your content, and your brand as likable as possible.

I’ve shown you 7 different ways that you can do accomplish that.

If you implement just a few, I’m sure that if you give it a bit of time, you will see increased traffic, engagement, and sales.

If you have any questions about these tactics or have any other ideas on how to be more likable to your audience, I’d appreciate it if you’d share them in the comments below.



Source Quick Sprout http://ift.tt/1mdjSyx

This Growing Crisis in America Is What No One Wants to Address

The national debt is nearly $19 trillion and growing by the second. Within the next decade, by the year 2026, the debt is expected to explode to $30 trillion.



Source CBN.com - Finance http://ift.tt/1PS3PxL

The Challenge of Getting Rid of Stuff

I have more things than I need.

Over the last several years, I’ve made a conscious effort to pare down my possessions. Most of the stuff I consider “mine” would fit into one room in our house. I could live in my office, in other words, which is about 100 square feet or so, if I slept on an air mattress on the floor. If I were single again, I’d be content with a much smaller house.

I still have far more things than I need.

Why do I say that? First of all, we need to look at why exactly I have these things to begin with.

Why do I have shelves full of books I’ve already read or books that I haven’t read yet? The only real reason to keep a book I’ve already read is because I think I might re-read it again someday or because it’s something I use for reference on a regular basis. My “reference” books number about thirty or so and my to-be-read books add up to the same. Why do I have hundreds of books?

Why do I have a large board game collection full of games that I’ve only played once or twice? I like to play games at least a few dozen times, but right now many of my games are at a much lower play count. Given the frequency with which I play, I’ll probably not feel like I’ve really played most of my games “enough” for many years. Plus, many of these games are owned by others in the game groups I participate in. Why do I have all of these games?

Why do we have so many extra things in the kitchen? We don’t really need all of these extra pots and pans and other items. Our storage space under the counter is chock full of stuff, but we rarely use more than a couple of the things – the Pyrex baking dishes, for instance, and the large French ovens that we use for everything. Most of the rest just sits there, unused. Why do we have all of this stuff?

Here’s the truth: it is really hard to get rid of the stuff that you have. At the same time, it’s pretty easy to convince yourself to acquire more stuff, even when you already have stuff sitting at home that’s practically unused.

In both respects, making the wrong choice is expensive. The books and games and kitchen items (and everything else) sitting on the shelves represent money that’s just sitting there. If I sold those items, I could actually invest that money where it’s earning a return. Furthermore, every additional item I buy means that the time spent using all of the things I already have is split even more than before. I literally paid money to have less opportunity to use the stuff I already have. Beyond even that, there’s very little that I have that I can’t borrow from others – I can get books at the library or games from the community board game nights I attend. Beyond that, having a bunch of items means more maintenance – more dusting, more effort in moving items around, more effort in redecorating, and so on.

Again, why do I have so much stuff? And why do I repeatedly choose to hold onto it?

One big reason is the perception of lost opportunities. Whenever I consider getting rid of something, I envision scenarios where I might use it in the future. Often, these scenarios seem realistic, but they’re not actually realistic. For example, I might think about a board game night that doesn’t go well because I no longer have some specific game that someone wants to play. Another example: I’ll envision a situation where I’m making a dish in the kitchen and I need a particular kitchen tool and somehow the dish won’t work without it.

Another reason is the subtle pleasure of seeing the items. I might not play all of the games on my shelf, but it is fun to look at the shelf and examine all of the games on it. Of course, I don’t lose all that much fun if my collection were, say, half of the size that it is. A collection of twenty games offers a ton of possibilities as one looks at their shelf, just as a collection of fifty games does.

Yet another reason is the effort in getting rid of the stuff. To get a decent value for many of the items we have, we have to spend some time shipping them and listing them online and so on. That takes time and effort. Even if we simply go the “yard sale” route, it still means devoting a good chunk of a weekend (and receiving much less for the items than by other routes).

So, here are the real take-home lessons from all of this.

I need to apply a very strong and critical eye to any new nonperishable items that I buy. If it’s something that’s going to be sticking around our house for a while, do I really need it? Do I really need this new book with the books I already have on my shelves? Do I really need this new game with the games I already have on my shelves? Do I really need this new paintbrush? Do I really need this new kitchen item when I have items that do similar things already?

I need to slowly pare down my collections when it’s convenient. As I said above, it does take a lot of effort to sell off possessions if you’re trying to get a decent return for them. Instead, I just keep my ears open for opportunities to sell them off. I’ve sold games at board game nights to people interested in picking up specific games. Occasionally, I’ll list batches of items on Craigslist, but I do it at my own convenience. The goal here is to get a decent return for my stuff, but also to pare down the stuff that I own.

I need to reconsider why stuff, rather than experiences, brings me joy. Why exactly do I feel happy about seeing a bunch of stuff sitting on my shelves? Where is the source of that joy? I think it comes from a childhood where I didn’t always have the things that I wanted, but when I’m honest with myself, I realize that’s an illusion. Having that stuff doesn’t really bring me joy. What brings me joy is experiences – making a meal, playing a game, and so on. Authentic joy doesn’t come from having something on a shelf.

I need to use my stuff – and if I don’t, it’s a sign that I’m not really the person that I think that I am. If I have a pile of books that I feel like I’m excited to read… but then I don’t really read them… what does that mean? It means that perhaps my taste in books and passion about specific books isn’t want I thought it was. That doesn’t mean I’m bad or that the books are bad. It just means I need to rethink both my tastes and how I’m spending my time.

I need to remember also that my life choices are an example for my children, both in straightforward ways and less obvious ways. This is always a part of my thinking regarding everything that I choose to do. My children are watching and learning from me. What am I teaching them with my choices?

Remember, an ideal life is one where you get a lot of fulfillment out of how you spend your time and that you have possessions that support that fulfillment. Possessions that don’t support that fulfillment are unnecessary. They just soak up your money and your financial freedom. They fill up space and make you live in a larger home than necessary. They require you to spend more time doing maintenance – dusting, moving things around, and so forth.

Do I need to make radical changes to my life, my possessions, and how I buy things? No.

Do I need to be more mindful about the things that I own and the things that I’m considering buying? Absolutely.

Every single step that I take in terms of understanding why I spend money and how I can spend that money more effectively in terms of making the best life possible is a victory. It means I’m better able to build a joyful life for myself and my family on less money than before, which in turn means that I have more and more freedom with regards of how to spend my time and energy.

The challenge, of course, is turning that understanding into day-to-day life. I need to work harder on not acquiring more stuff and slowly getting rid of my less used stuff.

Understanding why I’m doing this is one thing. Putting it into practice is another.

The post The Challenge of Getting Rid of Stuff appeared first on The Simple Dollar.



Source The Simple Dollar The Simple Dollar http://ift.tt/1nMLIn5

Want to Earn $20 an Hour Reading People’s Futures? All You Need is a Deck of Cards

I’m a freelance journalist, writer and language practitioner by trade.

Both my wife and I have come to expect the freelancer’s middle-of-the-month slump, but a couple of months ago we hit a really bad patch.  

We were stuck between deadlines with no work coming in and the fridge about empty. It was time to think outside of the box.

Reaching for a tarot deck I’d received from friends, I started doing tarot readings on the side to supplement the food budget.

Seriously.

Before I knew it, those readings became regular. I was making up to $20 per hour — and I didn’t have to don a robe or change my name to “Madame Beverley the Magnificent” (or Miss Cleo, remember her?) to do it!

During the first few months, tarot readings brought in at least $200 of much-needed extra cash. And it didn’t taken much time (or effort) to pull out the cards and do a reading between deadlines.

Here’s how I started making $20 per hour reading tarot cards, and how you give it a try for yourself.

Getting Started in Tarot

I’d been doing tarot readings for friends and family members years before it occurred to me to turn it into a side gig. Sometimes, I consulted the cards to get some insight into a plot when writing.

This experience, along with a range of Tarot books (and my own card-meaning cheat sheet), gave me the confidence to start charging for my services.

Eventually, I ditched the cheat sheet, learned to interpret cards from memory and moved over to my first paid reading. Looking at how other readers interpret certain cards was also a big help!

What’s in a Tarot Deck?

Don’t have a tarot deck? There are thousands of available decks, each with its own nuances.

For beginners, pick a deck that sticks to “classic” imagery. Here are my top five favorites from Amazon:

Marketing Myself as a Tarot Card Reader

My first step was joining tarot groups on Facebook and networking with other readers.

Some of the groups didn’t allow advertising, while others required a test reading before they allowed ads. Many non-tarot groups have rules specifically against advertising tarot readings.  

Make sure you read the rules before advertising on any website or group. Otherwise, you could get banned from all of them!

Within a week, I noticed I had more success advertising in the groups and circles I regularly commented in, rather than where I just placed an ad.  

People want to connect with you as a reader before they book and pay for their readings.

I started by offering simple and free three-card readings, so people could get used to seeing me around. From there, I started building a reputation and word-of-mouth took over.

If you intend to do readings more than every once in a while, advertise at local venues, fairs and forums (again, read the rules!).

Also, start a blog or website. Set one up for free through WordPress and use it to showcase your work.

How Much is a Reading Worth?

Rates for tarot readings vary. Expect to charge anything from $5 per reading and up. There seem to be a lucky few who earn up to $250 per reading.

What people are willing to pay depends on your experience, reputation, what kind of reading you offer and how you do it. For example, email readings are often cheaper than those done live or through Skype.

I started out offering $5 three-card readings, and worked my way up to $20 readings within a month. These were much more complex and detailed — and I had built up a good reputation.

People like special offers. Once I stopped the free readings, I offered things like “two-for-one readings” if people book and pay for a friend. I also offered “free three-card readings” to introduce myself to new clients.

With Cartomancy Comes Responsibility

Two hard questions from opposing clients made me realize it’s about more than just fortune-telling or interpreting messages from cards.

People come to you because they want answers and guidance.

Their questions can range from strange (“Should I get a cat this year?”) to serious and life-affecting (“Will my kids be OK if I die?”). It’s up to you to help them out.

I’ve seen cases of tarot readers convincing people to leave their families, sell their homes and go to Mexico — don’t!  

You have a responsibility not to give bad advice when people come to you for guidance.

Tarot Tips

Thinking about giving it a shot? Here’s my best advice:

  • Get some good tarot books, study up and practice for free with friends, family or yourself before charging.
  • Don’t price yourself out of the market: Too low and you’re a newbie, too high and you’re a charlatan!
  • Religion shouldn’t be a factor. Clients will come from all walks of life and belief systems. Being a writer, I emphasised writing a beautifully intricate reading, rather than “fortune-telling”.
  • You’re not just “telling the future.” Don’t rely on tarot cards to give “yes” or “no” answers to questions you don’t want to interpret — and don’t give bad advice!

How to Make More Money

Here’s how you can charge more for your readings:

  • Start small, and work your way up to a higher rate. As your experience grows, so will your rates.
  • Turn a $5 reading into a $10 reading by offering added extras or new spreads.
  • Change how you read: Can you afford to go to your clients, or will you do it via email or Skype? You can charge more for in-person readings, especially if you travel.

Reading the cards for money started out as an experiment and a way to get my wife and I through a rough time, but I’ve continued doing it on demand.

Every once in a while, a new client comes along or the regulars need some insight, and I’ve just kept on going.

Can it work for you?

Have a look: It’s right here, in the cards…

Your Turn: Have you ever read Tarot cards? Would you try it for extra income?

Disclosure: This post includes affiliate links. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin.

Alex J. Coyne is a South African author, freelance journalist and language practitioner. His work has appeared on various blogs and in national and international publications.

The post Want to Earn $20 an Hour Reading People’s Futures? All You Need is a Deck of Cards appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/20GqCEL

Is That Fixer-Upper Worth It? This Advice From the Property Brothers Will Help You Decide

Drew and Jonathan Scott, hosts of the hit HGTV show “Property Brothers,” have a knack for transforming the most undesirable pieces of real estate into beautiful homes.

Whether you want to flip houses, save money with DIY magic on your next home or you just enjoy a good before-and-after pic, you’ve probably tuned in before.

What tricks can these experts offer for your next project?

They shared some of their top tips in a recent PopSugar interview.

1. Work With Experts

A fixer-upper might seem like a great deal.

You buy a house that needs some TLC and invest your time, energy and a few special touches to turn it into something worth way more than you paid.

But old or neglected properties can come with unpleasant surprises.

Jonathan Scott recommends working with professionals who know the area.

“Any house can be made to look beautiful, but by working with the right experts, you can ensure the property you choose is actually worth it in the end,” he told PopSugar.

2. Look Beyond a Property’s Current State

“I love it when other buyers run away from a property because that usually means it’s the one I want,” said Drew Scott.

It’s easy to be turned off when you walk into a room and see ugly carpet, wallpaper, paint or appliances. But these are all cosmetic problems you can change with a small investment and a few days of work.

3. Look for Unexpected Places to Save Money

Rather than put off a project because you’re afraid of the cost, search for ways to complete it on a budget.

“If you can’t afford custom kitchen cabinets,” Jonathan used as an example, “then buy prefab and spend a few extra dollars on the countertop, crown and lighting to make it look more custom.”

You can find sneaky ways to make a room look fresh, new and modern without splurging for expensive, brand-new materials.

4. Splurge Where It Matters

Drew advises becoming familiar with the community in which you’re buying, particularly if your goal is to flip a house.

Get to know the people in the neighborhood and what they’re looking for. Are they willing to pay extra for custom cabinets, or are you better off going with the prefab?

“Also, technology is a hot-ticket item these days,” he said.

“How about a fridge that will tell you when your food is about to expire? Or the new energy-efficient washers and dryers that will wash a load in 15 minutes and dry in 15 minutes?”

5. Find Up-and-Coming Neighborhoods

Emerging communities are gold for smart real estate investors.

They buy properties early for cheap, then sell them for a huge profit when the neighborhood is in high demand.

Drew warns, “Trying to invest in emerging communities can be risky, so if you are new to real estate, then we suggest sticking to areas you are comfortable in.”

If you do want to spread your wings and get into an up-and-coming neighborhood, he said it helps to work with a real estate agent who knows the area well.

You can also look for major developments coming to certain areas by checking with a city planning department.

If you have enough real estate experience (or know someone who does), these coming developments can help you spot a good buy.

Your Turn: Have you renovated a fixer-upper? What tips do you have to add?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more.

The post Is That Fixer-Upper Worth It? This Advice From the Property Brothers Will Help You Decide appeared first on The Penny Hoarder.



source The Penny Hoarder http://ift.tt/1VKUWKR

A lesson from history: how sensible investing could have made you a million

Those who had saved their full annual allowance into a Personal Equity Plan (PEP) – the precursor to the modern individual savings account (Isa) as we know it – and then an Isa since 1987 could now be sitting on well over £1 million, according to Fidelity International.

Those who had saved their full annual allowance into a Personal Equity Plan (PEP) – the precursor to the modern individual savings account (Isa) as we know it – and then an Isa since 1987 could now be sitting on well over £1 million, according to Fidelity International.

That’s a total of £242,520 invested for a return of £1,289,687.

read more



Source Moneywise http://ift.tt/1SFwVWc