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الخميس، 17 أكتوبر 2019

Best cPanel Web Hosting

When it comes to hosting a website, performance is usually the first thing that everyone looks for. You want to find a web hosting provider that delivers strong uptime rates, high speeds, and enough resources to run your website.

While performance is obviously crucial, lots of webmasters forget to consider managing their hosting plan after they sign up.

Your current hosting provider may offer strong performance, but if it’s too complicated to manage your account, then you should look for a cPanel web host.

What is cPanel?

cPanel is one of the most popular control panels in the web hosting industry. The interface and dashboard make it easy for webmasters to manage things like domain names, backups, email addresses, files, account preferences, and more.

In my experience, once you’ve used cPanel, there is really no looking back. I’ve experimented with other dashboards, but cPanel is the best for beginners and experts alike.

One of the reasons why cPanel is so popular is because it’s a web-based control panel, meaning you can manage your website from anywhere with an Internet connection, as opposed to needing software on a specific piece of hardware.

Anyone with a website can benefit from cPanel hosting.

Whether you’re looking for a shared hosting plan, virtual private server (VPS hosting), or dedicated server, a user-friendly hosting interface will make your life much easier.

cPanel Web Hosting Reviews

Lots of web hosting providers have cPanel hosting. But that doesn’t necessarily mean that you should pick just any host offering this feature. There are other factors that need to be taken into consideration.

Rather than spending time digging through dozens and dozens of hosting trials to try and find the best web hosting provider for your website, you can just refer to this guide to learn the best cPanel web host.

These are the top cPanel web hosting providers:

I’ve already done the research for you. All you need to do is determine which option below best fits the description for your cPanel hosting needs.

Bluehost

bluehost

I ranked Bluehost as the best overall hosting provider for its user experience. So it should be no surprise that they rank high on my list of cPanel web hosts.

More than two million websites across the globe rely on Bluehost, so you know that this is a provider that you can trust.

  • Shared Hosting — Starting at $2.95 per month
  • VPS Hosting — Starting at $18.99 per month
  • Dedicated Hosting — Starting at $79.99 per month

Bluehost lets you manage access control from your cPanel dashboard. This allows you to restrict access to certain areas of your hosting account, which is ideal for those of you who will have multiple users logging in. For example, as a small business owner, you may not want to give your blogger access to your billing account or server resources.

For those of you who are looking for a VPS plan or dedicated server, you’ll have root access from cPanel as well. This will give you complete control over your server to make any custom changes, without needing any additional software or hardware.

Dedicated plans allow you to increase storage on-demand from cPanel as well. You’ll be able to do this without any assistance from a server administrator.

All Bluehost plans come with a free SSL certificate, 24-7 customer support, and a 30-day money-back guarantee.

HostGator

hostgator

HostGator is one of the most popular names in web hosting. They offer affordable plans and deliver quality performance.

No matter what type of web hosting service you’re looking for, HostGator has a plan for you.

  • Shared Hosting — Starting at $2.75 per month
  • VPS Hosting — Starting at $29.99 per month
  • WordPress Hosting — Starting at $5.95 per month
  • Dedicated Servers — Starting at $118.99 per month

Altogether, this provider has 12 different web hosting plans to choose from; all of which come with cPanel.

With HostGator, you’ll always get the latest version of cPanel with your hosting plan. HostGator also provides some additional incentives like:

  • Free website builder
  • Free site transfer
  • Free domain transfer
  • Google Ads credits
  • Bing Ads credits
  • Free SSL

All shared hosting plans come with a 99.9% uptime promise and a 45-day money-back guarantee. Hostgator is compatible with the most popular CMS platforms including WordPress, Drupal, Joomla, and Magento.

HostGator is one of the best web hosting providers for websites that need to scale their resources. Having access to cPanel for managing all of this makes everything easier.

InMotion

inmotion

As a business owner, InMotion should be one of your top considerations for hosting your small business website.

cPanel comes standard for managing your Linux-based server, regardless of which plan you choose. This makes it easy for you to set up your domains, manage resources, handle site automation, and more.

Furthermore, InMotion allows for one-click app installations with more than 400 applications that can be managed directly in cPanel.

Whether you’re using WordPress, Drupal, or other CMS systems and shopping carts, InMotion is an ideal solution for your website. The one-click installer also allows for easy upgrades, convenient maintenance, as well as rollbacks to previous versions.

Here’s a look at the introductory pricing rates for InMotion web hosting:

  • Shared Business Hosting — Starting at $6.39 per month
  • WordPress Hosting — Starting at $6.99 per month
  • VPS Hosting — Starting at $21.04 per month
  • Dedicated Servers — Starting at $105.69 per month

All of these plans come with cPanel for free.

In addition to the one-click app installer, you’ll also benefit from data backups, free SSD drives, SSH access, secure email, and other great freebies.

InMotion has been using cPanel with their hosting plans for more than a decade. This has allowed their IT team to customize the backend specs to speed up its responsiveness and ultimately allow for a more seamless user experience.

InMotion hosting plans are backed by a 90-day money-back guarantee, which is an industry-leading offer. So if you’re looking for a reliable web host with a feature-rich cPanel, look no further than InMotion.

SiteGround

siteground

SiteGround is another well-known hosting provider that uses cPanel. These are some of the top cPanel features for SiteGround:

  • Install your CMS (like WordPress)
  • Backup your website content
  • Make changes to the server
  • Set up your email accounts
  • Manage domains
  • Manage your security features
  • Manage your databases
  • View and manage your resources

Managing files through cPanel is something else that SiteGround makes extremely easy for webmasters. All you have to do is upload files and add new folders to keep everything neat and organized. This will ultimately make things easier for you whenever your site needs maintenance.

For advanced users, you’ll be able to manage complex settings, like “Chron Jobs” in cPanel as well. This allows you to run specific commands to optimize your disk space.

SiteGround has shared hosting plans starting at just $3.95 per month. They also offer cloud web hosting, which starts at $80 per month.

Regardless of which option you choose, you’ll be able to manage everything with ease through the platform’s responsive interface and dashboard.

For those of you who plan on using SiteGround for web hosting, I’d recommend checking out my SiteGround cPanel tutorial to help you get started.

iPage

ipage

With introductory plan rates starting as low as $1.99 per month, iPage is one of the best cheap web hosting providers on the market today.

For such a low price, iPage comes with a surprising amount of benefits like unlimited disk space, scalable bandwidth, unlimited domains, and a free SSL certificate. They also offer a free domain for the first year after you sign up.

In addition to web hosting, iPage is known for its website builder. But the free version that comes with the shared hosting plan is only good for building six pages, so it’s not realistic for you to create an entire website with it.

iPage uses, cPanel, but there is one catch—you need to sign up for one of their VPS hosting plans or dedicated servers in order to get it.

Those start at $19.99 per month and $119.99 per month, respectively.

Unfortunately, the shared plans do not come with cPanel. Instead, iPage uses something called vDeck Control Panel as an alternative.

vDeck is fine, but it definitely lacking compared to cPanel in terms of its capabilities and interface. Learning how to use it is a bit more challenging as well.

With that said, the iPage VPS plans are very cost-effective compared to other providers out there. So it won’t cost you too much for an upgrade to get cPanel included with your hosting.

A2 Hosting

a2

A2 Hosting isn’t the most well-known name in the web hosting world, but this provider offers the fastest speeds on the market today.

Speed, reliability, green hosting, and excellent customer support make A2 a top option for anyone. They also have a wide range of hosting plans and prices.

  • Shared Hosting — Starting at $2.96 per month
  • VPS Hosting — Starting at $5.00 per month
  • Reseller Hosting — Starting at $9.80 per month
  • Dedicated Hosting — Starting at $99.59 per month

All of the A2 plans come with cPanel for free. If you recall, iPage’s cheapest plans don’t with cPanel. So being able to get cPanel from A2 for less than $1 more per month is a great deal.

With A2 Hosting, cPanel allows you to do things like:

  • Manage email usage
  • Configure SSH keys
  • Create a Node.js app
  • Install an SSL certificate from a third party
  • Manage your files
  • Manage databases
  • Manage domains

A2 also uses Softaculous, which is made for installing software to your account with just one click. Softaculous and all auto-updates can be handled directly from your cPanel dashboard.

How to Find the Best cPanel Web Host For You

As you can see, every cPanel web hosting provider is unique. Whether it be the price, type of hosting, or other features, some hosts will be a better option depending on the needs of your website.

When you’re evaluating a cPanel web hosting provider, there are elements that need to be taken into consideration.

Performance metrics like uptime and speed are a given. So rather than focusing on those, I’ve identified some other factors that you should look out for when evaluating prospective web hosts.

Free cPanel License

First and foremost, if you want to use cPanel then you need to find a provider that offers a free cPanel license. There are plenty of hosts out there that offer cPanel for an upcharge, but there’s no reason to do go with them if you can get it for free elsewhere.

With the exception of the iPage shared hosting plan, every provider on our list offers cPanel for free.

One-Click App Installations

A major cPanel benefit is its user-friendly dashboard. So for those of you who plan to install third-party apps, it will be easy for you to manage everything in one place.

Look for a web hosting provider that advertises one-click app installs. In my experience, this is much easier than complex downloads and installations. Whether it be CMS integration, ecommerce functionality, or anything else, a simple app installation will make your life much easier. Once installed, cPanel usually will allow for one-click or auto-updates as well.

Site Builder Tools

This shouldn’t be a deal-breaker, but it’s a nice feature for those of you who are building a new website from scratch. If your web hosting provider has an adequate site builder, you can essentially benefit from a one-stop-shop for your website needs.

Normally, I would not recommend bundling a hosting provider and website builder. I think it’s best to stick with providers that specialize in web hosting and platforms that specialize in website builders. Usually, there isn’t any overlap between the two.

With that said, if you’re just building a simple website like a small personal site or blog, then you can get away with this for sure.

Freebies

Price always needs to be taken into consideration when you’re looking at different web hosting options. Some hosts appear cheap, but then upcharge you for basic features. So it’s in your best interest to identify the features you need and then look for a host that offers them for free.

  • SSL certificate
  • Site migrations
  • Domain name
  • Advertising credits
  • Developer tools
  • WordPress installation

These are some common freebies offered by hosting providers. I’d also keep on eye on their money-back guarantees. 30 days seems to be the industry standard. But I’ve seen 45 days, 60 days, and even as high as 90 days.

Resources

It doesn’t make sense to choose a cPanel hosting plan that doesn’t accommodate the needs of your website. While cPanel is a great tool, it doesn’t make up for poor performance.

  • RAM
  • Storage
  • Bandwidth
  • CPUs

You need to make sure that these types of resources accommodate your website traffic. For new or growing sites, it’s in your best interest to find a cPanel hosting provider that gives you the opportunity to scale.

With all of this in mind, here is a recap of the best cPanel web hosts on our list.

  • Bluehost — Best cPanel for ease of use.
  • HostGator — Best cPanel for scaling resources on-demand.
  • InMotion — Best cPanel hosting for small businesses.
  • SiteGround — Best cPanel for cloud hosting.
  • iPage — Best cheap cPanel hosting (for VPS plans).
  • A2 Hosting — Fastest cPanel web hosting.

There is something for everyone in this guide. So you can choose the hosting provider that best describes what you’re looking for.

Alternatives to cPanel Hosting

Not every web hosting provider offers cPanel, so you’re not forced to use it.

In most cases, people think cPanel is easier to use. While I agree with that statement, it all comes down to personal preference.

For example, earlier we talked about iPage’s hosting plans. For less than $2 per month, you can sign up for shared hosting, a free website builder, and plenty of other freebies. But this comes with vDeck Control Panel. So if you prioritize price over convenience, you might decide to go with this option instead.

Alternatively, DreamHost is popular web host on the market today. But instead of using cPanel, they have their own custom control panel. I know plenty of webmasters who love it.

Hostinger is another great hosting provider that does not offer cPanel. Even so, I would still strongly recommend them.

So don’t let cPanel availability be the determining factor in your web hosting decision. While I personally think it’s a great feature, you can still explore alternative solutions.



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INVESTIGATION: In sweltering Texas, deaths rise as private utilities more often disconnect power

Regulators have turned a blind eye to skyrocketing summertime disconnections for nonpayment among poor people, including those with medical problems, small children and the elderly, even on days when temperatures soared as high as 106 degrees.

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Military Members, Vets and Spouses Can Attend This Virtual Job Fair Oct. 24

Military service members, veterans and spouses can attend this job fair without ever leaving home.

Hire Heroes USA is holding a free virtual career fair on Oct. 24 between 10 a.m. and 3 p.m. EST — aka between 1000 and 1500 hours.

According to the site’s FAQ page, participants only need a computer and internet access, as employers will communicate primarily via online chats. Updated versions of Google Chrome or Firefox are recommended for viewing and hearing employer presentations.

Attendees can register for the event on the site and upload their resumes, then search the 28 participating employers by location and positions available. 

When they find a company of interest, job seekers can apply for a position or sign up for chat sessions to ask questions and learn more about the company. 

Employers and attendees can also request private chats to discuss specific opportunities. Employers may offer video one-on-one chats, but these sessions are not required if job seekers don’t have access to video conferencing. 

The site encourages job seekers to prepare questions to ask in the chat room and develop an elevator pitch for private interactions with potential employers. 

Don’t worry if you’re new to virtual job fairs. You’re not alone. Read our step-by-step guide on how to prepare for a virtual job fair.

And if you’re strapped for time, here are the big takeaways.

  1. Do your homework. — Just because the job fair is online doesn’t make it any less crucial that you make a good impression. Come to the fair prepared with tailored questions for the hiring manager.
  2. Take care of tech beforehand. — Is your account properly registered? Are your web browser and flash player up to date? Documents organized and ready to go? Don’t forget the motherlode of all tech issues: WiFi. Hardwire your computer with an ethernet cable, if worse comes to worse.
  3. Be interview-ready. — If all goes well, a hiring manager might ask to interview you on-the-spot. So be dressed to impress. Make sure you are in a well-lit, distraction-free area where you can chat. It’s OK if that’s not the case, too. Explain that you are not in the best environment for an interview, and offer alternative times when you are available.

If this virtual fair isn’t for you, check out our list of other employment resources for veterans and read additional tips from veterans about finding a civilian career.

Tiffany Wendeln Connors is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Amazon Delivery Jobs Are Mix of Side Gigs, Careers, Business Opportunities

In a bid to control its entire product distribution chain, Amazon has its eyes set on disrupting the carrier-service industry.

As the e-commerce giant ekes toward a 50% share of all online sales, it has run into a snag: getting millions of packages a day to its customers, often within two days.

In past years, Amazon has leaned on delivery partners like FedEx, UPS and the USPS to transport a fair share of its packages, with the Post Office dedicating every Sunday to Amazon deliveries. But as recent initiatives suggest, Amazon is leaning less on its partners and more on its own delivery services.

In an August statement announcing the end of its ground-delivery contract with FedEx, Amazon said the company is seeking “to improve the carrier experience and sometimes that means reevaluating our carrier relationships.”

And as delivery contracts sunset, more internal Amazon delivery jobs are up for grabs, especially during the holiday hiring season.

Types of Amazon Delivery Jobs

Amazon has launched a variety of programs to solve its delivery conundrum. Because demand for delivery drivers is so high, requirements to land Amazon delivery jobs are often very low. 

To qualify for typical delivery jobs, applicants should have:

  • A valid driver’s license (commercial class isn’t required).
  • The ability to lift and carry boxes up to 70 pounds.
  • A high school diploma, or equivalent.
  • Sufficient English skills to read road signs.

And regardless of position, Amazon workers are guaranteed at least $15 an hour.

Amazon Flex

One way Amazon is recruiting delivery drivers fast is through the gig economy. It offers on-demand delivery gigs through Amazon Flex.

Flex drivers use their own car or SUV to deliver Amazon.com, Prime Now and Amazon Fresh orders. The company says Flex drivers make between $18 and $25 an hour. But those rates fluctuate based on how many deliveries the driver completes.

Flex gigs are available across the nation, but the company lists only regions with the highest demand during the initial sign-up process. If your area isn’t listed, you can join the “interest list” for future gigs in your area.

Amazon Fresh

Amazon isn’t all smiley brown boxes. The company delivers fresh groceries as well.

Amazon Fresh launched more than a decade ago, and stayed mostly within Seattle. In recent years, Fresh services have expanded and jobs are now available in big cities such as New York and Los Angeles. 

Amazon does not provide a comprehensive list of locations where Fresh operates, but job seekers can check for local Fresh jobs using the company’s jobs portal.

While some Flex drivers may deliver grocery orders, Fresh drivers are limited to grocery orders only and are typically considered part-time employees, not independent contractors.

Seasonal Amazon Delivery Jobs

As the holidays approach, the retail industry prepares by hiring hundreds of thousands of seasonal workers, typically between September through November.

This year, The Penny Hoarder tallied nearly 500,000 seasonal job openings, Amazon included. In previous years, Amazon has hired more than 100,000 employees during the holiday season but has yet to announce official numbers in 2019. 

Seasonal driver jobs at Amazon are full-time. Applicants must be 21 or older, be able to safely operate a 10,000-pound delivery van and be able to work shifts up to 12 hours long. 

To apply, visit the company’s seasonal jobs portal or text DRIVENOW to 77088.

Delivery Service Partner Program

Want to run your own business delivering packages? Amazon’s got a program for that too.

Its partnership program launched in June 2018 to entice delivery-savvy workers to start their own businesses ferrying Amazon packages full-time. Amazon provides basic training and guidance, but the hiring of employees and leasing of vehicles is on its partners.

The company expanded the program in May 2019 to encourage current Amazon employees to start their own package-delivery businesses. It offers them up to $10,000, plus three months of current wages to quit their Amazon jobs and join the new program. Military veterans who aren’t Amazon employees may also be eligible for the startup funds.

Amazon favors applicants who have:

  • Experience hiring and developing employees.
  • At least $30,000 in liquid assets.
  • Previous business-ownership history.
  • Experience delivering packages.
Pro Tip

Less experienced candidates can deliver for Amazon first to boost their Delivery Service Partner application — and become eligible for the $10,000.

Interested? Our Amazon Delivery Service Partner guide takes a deep dive into the nuances of the program.

Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Enter the Student Investor challenge and win a trip to New York

Enter the Student Investor challenge and win a trip to New York

Wannabe student stock traders can test their maths and economics knowledge against schools around the country

Stephen Little Thu, 10/17/2019 - 09:55
Image

This week marks the launch of The London Institute of Banking and Finance’s annual Student Investor Challenge.

Last year, over 37,000 students from schools around the country took part in the competition which sees them trading virtual shares for a chance to compete at the live final in London.

The top 500 teams – those that make the most profit in phase one – progress to the semi-final to compete for a place in the live final.

There are some exciting prizes to be won, including a trip to New York for the winners. There will even be a trip to the New York Stock Exchange which is not usually open to the public.

Catherine Winter, head of financial capability at The London Institute of Banking and Finance, says: “The Student Investor Challenge is a fantastic competition, not only helping young people develop a range of skills that will stand them in good stead for life but also helping them put theories learned in school into real context.

“It helps young people put their maths and economics knowledge to work, engage with the finance sector and understand more about how it works. It also improves financial capability and helps them to develop important soft skills such as teamwork and communication. And it’s fun of course.”

What is the Student Investor Challenge?

The Student Investor Challenge is designed for students aged 14-19. It is free to enter and is open to schools in the UK and internationally.

Teams from schools around the UK compete against each other by trading two virtual portfolios worth £100,000 over a four-month period.

Each month, the team with the most improved active investor portfolio will be rewarded with a prize (maximum one award per group).

Trading is just like real life with feeds from Bloomberg and the real costs of trading included.

In the final, teams undertake more trading challenges and deliver a presentation to a panel of financial experts to demonstrate their knowledge of investing and macro-economics, and how they could be applied to individuals with different investment objectives.

When is it?

The first phase of the competition will run until 24 January 2020. The top 500 teams will progress to the semi-finals which take place from 17 February to 13 March 2020.

The top eight teams will compete in the live finals in April and May.

Registration closes on 15 November. Schools can enter multiple teams, with each team made up of four students.

The competition is free to enter and doesn’t require classroom time.

For more information on the Student Investor Challenge, please visit studentinvestor.org or follow @StudentsInvest on Twitter.



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How I “Sharpen My Axe” Each Day – and Why

Last week, I wrote an article about goal-oriented paper planners. During that article, I mentioned that I actually use three planners/journals and I update them on a twice-daily basis, along with using a few digital tools to help. A lot of readers asked questions about this practice, so I thought I’d share the details of it.

The reason I invest that effort into planners and such – and the reason why I have a 90 minute morning routine and a few other daily routines that don’t seem outwardly productive – is best summarized as “sharpening the axe.”

There’s an apocryphal Abraham Lincoln quote that goes something like this: Give me six hours to chop down a tree and I will spend the first four sharpening the axe.

The idea behind that quote is that if you invest time up front in preparing to do a task well, you will perform that task with much higher quality and efficiency than you ever would have done otherwise. Obviously, there’s a balance there – if you spend all of your time preparing, you don’t accomplish anything – but I found that throughout much of my life, I’ve spent far too little time and effort “sharpening the axe” and that has caused me to waste a lot of time and effort in actual execution of the things I want to and need to get done.

Over the last several years, I’ve gradually moved in the direction of “axe sharpening” as a significant daily routine that, these days, eats up two or three waking hours. Yes, I spend that much time preparing for a typical day, and I’ve found that devoting that much time to preparing for the day and thinking about what’s to come and also reflecting a bit on what I’ve recently done has made my usual days so much more efficient that I not only recover more time than what I invested, but almost everything I do is more sensible and of higher quality than before.

It has made me more attentive to my wife and a better husband. It has made me more in tune with my kids and a better father. It’s enabled me to find more time and more focus for learning and reading and for genuine leisure. It has basically led to growth in every sphere of my life.

What does that look like for me? It looks something like this.

My Daily “Axe Sharpening”

For starters, I aim to get enough sleep so that I wake up naturally without an alarm. That means I go to bed each night by 10 PM at the absolute latest, and often earlier than that. Most days, I naturally arise between 5 AM and 6 AM, usually closer to 5 AM. I do set an alarm, but it’s usually there in case I have a bad night of sleep or something and it’s more of a “you should have been up well before now” kind of thing.

This habit of “natural rising” means I get as much sleep as my body needs. My night of sleep is not artificially shortened by an alarm clock.

What about staying up late? Sometimes, I’ll do that if there’s a good reason – a date night with my wife, friends staying late after dinner, some sort of special social occasion, and so on. As a normal routine, however, I aim to be in bed by 10 PM at the latest.

Okay, so I’m up at around 5:30 AM. Most of the rest of the house isn’t going to arise for about an hour and fifteen minutes. What do I do with that time?

I stretch and also drink a lot of water to wake myself up. I spend about ten minutes stretching and drinking the contents of a 32 ounce water bottle from the fridge. That water bottle is one I filled the night before and it usually has a little bit of some kind of citrus in it – lemon juice or grapefruit juice or something like that. I usually do the first half of this routine or, sometimes, the whole thing, depending on how I feel. That little process makes me feel limber and awake.

At that point, I have about an hour before everyone wakes up, but I don’t necessarily know exactly when they’re going to wake up. It’s during that time where I sit down with my three paper journals and planners and my iPad and plot out my day.

I usually start out by looking at my main daily paper planner, which is a Momentum Planner, and see what I already have written there for the day. I’ve usually filled this out a little the night before and I just look at it for a minute to figure out what’s specifically coming up that day. The Momentum Planner, as I noted in the earlier post, is a goal-oriented planner that’s oriented around setting a few big goals for the year and then gradually breaking them down into daily actions, so a page in the planner usually lists the things I want to do today to move forward on my big goals. It’s usually a handful of about 10 items on a to-do list, along with a simplified version of today’s schedule.

At this point, I cross-check that page with my main digital calendar and my main digital to-do list. Those things are what I look at throughout the day as I’m going through my tasks and appointments – I don’t keep looking back at my paper planner all the time. I’m mostly making sure that there’s nothing in the paper planner that’s not in the digital calendar or to-do list.

So, why have both? The act of writing things down on paper is my time to think about what I should actually be doing. That’s the point where I’m thinking about things. When I’m using the digital tools throughout the day, I don’t think about what’s listed there and whether that’s really what I should be doing right now. I just trust it and do what it says, because I know I’ve already thought about the day’s priorities.

Doing this cross-checking loads up my mind with the handful of things that I’m most concerned about in my life, and that’s the point I open up a blank paper notebook, set a timer for 30 or 40 minutes (depending on how much time I have that morning), and just brain dump. I pick up the pen and just start writing out what’s on my mind. I don’t really try to organize it in any way; rather, I find that as I’m writing, it all kind of self-organizes, with sensible thought following sensible thought. That period of 30-40 minutes usually leads me to some kind of sensible conclusion on one or two things that are bothering me in my life, and those things almost always lead me right back to the paper planner, where I often find myself turning those thoughts into actual actions on my to-do list, which I then migrate into my digital tools once I’ve thought it through and come up with something that’s specifically actionable.

Some days, I don’t come up with anything actionable. I might find myself delving into an intellectual idea in my journal or into some aspect of my life that doesn’t really lead to action. That’s fine. Other days, I come up with a bunch of stuff. That’s fine, too.

I find that this process is incredibly valuable at calming my mind and helping me focus on the task at hand throughout the day. It’s like I’ve removed the one or two things that are most likely to distract me during a given day from my head, and that makes it so much easier to just focus on the task at hand.

As I go through the day, my main worries are dealt with, so they’re not distracting me. What I need to do next is in a trusted system, so it’s not distracting me. I’m well rested, so I’m not distracted by fatigue. I am sharpening that axe, big time.

At this point, I prioritize my tasks for the day. I pick one to three things that are top priority and I label them as “priority 1” in my to-do app. I pick maybe three more things that are “priority 2” and maybe three or four more that are “priority 3,” and label each of those. Mostly, these are my key work tasks and key life tasks, along with a few key things to keep moving my big goals forward. I usually get through all of them (and some more), but I make a point to do the “priority 1” ones first.

The last thing I do during that early morning stretch is that I review the habits I’m working on. I use my Clear habit journal for this, mostly because it has a really slick habit tracking table at the back. I spend some time looking at each item on that list and visualizing myself nailing that habit today.

A sampling of the habits I’m currently working on:
+ Vegan before 6 (meaning I eat only vegan stuff before supper)
+ Listen before talking
+ Speak positively when communicating digitally (I’m trying to be positive when texting, participating on social media, etc.)
+ Clean up (working on keeping house and working area cleaner throughout the day)
… and so on.

I spend a minute or so visualizing myself nailing each of those habits at some point during the day. I imagine myself eating some oatmeal for breakfast and a salad for lunch. I visualize myself listening to each of my kids after school without saying anything, just trying to absorb what they’re telling me. I visualize myself saying positive things when texting people today. I visualize myself cleaning up better. This system is really helpful in terms of reinforcing better habits – things I do routinely throughout the day.

At this point, my wife and kids are stirring, so I help them get ready for their day. My kids all go to school and my wife is a teacher, so they’re all out of the house by about 7:20.

After that, I usually just get the day started. I pour myself a cup of coffee, head to my desk, turn off distractions, and get down to it with a work session.

Throughout the day, there are a few other things I try to do to keep my axe sharpened.

I spend about an hour reading something that really makes me think and challenges me, usually in a distraction-free setting. I usually do this after the kids get home but before our evening activities and dinner preparation begin in earnest. I usually do it when they’re doing homework.

I meditate twice for 15-20 minutes each. This calms my mind and quiets a lot of that endless mental chatter and helps me focus, particularly when I do it every single day without fail – it seems to gradually build on itself. This has such a powerful calming effect on me at this point that I think I’ll do it every day for the rest of my life, but it took a lot of fits and starts and periods where I thought it was useless to get to that point. I usually meditate once right around lunchtime, and then do it again sometime in the early evening. I used to do it in the morning, but I found that I get more value out of it later in the day.

I exercise at some point during the day, usually for about an hour – sometimes it’s a taekwondo class, while at other times it’s a routine at home. I usually do this around noon, unless there’s a taekwondo class in the evening, then I do it in the evening.

I usually go on at least one walk of some length, a mile at minimum, but often a lot longer than that if the weather is cooperative. I have some specific “loops” that I walk of various lengths – a mile loop, a three mile loop, and a five mile loop. I usually do this in the mid-afternoon, before the kids come home, and I choose a loop that will get me back to the house before they’re due to get home.

I usually have two blocks of uninterrupted work on a given day, one from about 7:30 AM to about 11:30 AM, and then a shorter one in the afternoon from about 1 PM to about 2:30 PM. Within those, I stop about every 40-45 minutes for a five minute break to stretch a little and walk around, but I don’t set an actual timer and if I fall into a “flow state” where I lose track of time, it’s okay. I only have timers for things I need to be doing at a specific time.

Most of the rest of the day is filled with blocks of time with a certain focus. I plug in those blocks around the other scheduled things in my day, right in my calendar. For example, I usually have a block of time to spend with my kids when they get home from school, about 30 minutes where I talk to each of them about their day while I do household chores right alongside them. I usually have a block of time with Sarah in the evening. On the weekends, I usually have a large block on one of the days devoted to a hobby.

Each evening, I have a block of time where I finish up my day by doing a handful of things, usually with my journals. I go through and “score” my habits that I considered that morning, giving myself a score of 1 to 10 based on how hard I tried to make those habits happen. I’m more concerned about awareness and effort than about results, because days vary so much. I tend to set up my planner for the next day or two, moving anything important from my digital tools into that planner, and reflecting on what I need to do tomorrow to move my big goals forward and coming up with a few to-dos for the next day, which I write by hand and then transfer into my digital tools. I also write a single line (or maybe two) about my day in a journal, one that serves as a record of my days. This usually takes about 15 minutes or so and I usually do it about an hour before bed, before I start getting sleepy and my thoughts get mushy.

Once a week, I do a longer morning review of everything. I spend maybe an extra hour in the morning going through all of the tasks left undone from the week, figuring out what things are important for the following week, and so on. On a monthly basis, I do an even longer one, stepping out to the month-sized range, and on a quarterly basis, I spend most of a day thinking about my life in that way. This usually happens on Sunday mornings before everyone is up, with the quarterly ones often happening on a Friday.

Do I really do all of this every day? Most days, yes. There’s definitely some variability if I’m traveling or if there’s something exceptional going on, but on ordinary days when I’m at home, I do something close to this every single day, and I’ve been doing something on the order of this for several years now. Sometimes I’ll try adding a new piece, or I’ll try a new variant of something I’m doing, or I’ll drop a piece if it’s not working or giving me value, but the idea that I spend some time each day “sharpening the axe” is true pretty much every day.

There are a lot of reasons for doing this, but the biggest one is that it really clears my mind out and prepares it for the day. When I actually start in on the things I want to do today, usually around 8 AM on a given day, this routine has done a lot to really heighten my focus.

I should also note that I don’t watch much television at all, and I usually leave my phone in a very aggressive “do not disturb” mode where the only notifications that get through are calls and texts from my wife and kids and their schools. I try to lead a minimally distracted life.

The Benefits of “Axe Sharpening”

As I noted in a few places throughout this article, I find that there are a ton of benefits to spending this much time each day in some form of preparation rather than just “doing stuff.”

For starters, when I start working, my head is clear and full of distraction. I know that everything I need to know is in a trusted system and I just don’t have to think about it at all. I’ve spent time dredging the things I’m worried about out of my head so that they’re in some kind of actionable place as well. What’s left is focus. I don’t feel distracted by worry or by things I need to remember or anything like that. I just do the things on my to-do list and go to the things on my calendar, and I can focus on those things intensely.

Also, I feel well rested and healthy. I find that getting adequate sleep and stretching and exercise, coupled with my efforts to eat a healthy diet, goes a long way toward contributing to that. If I don’t eat well or let the exercise start to slack, I feel worse – less able to focus, less energy, and so on. Part of being able to have a great day is that I’m well rested, have my body performing as well as I can thanks to the sleep and good food and stretching and exercise, and have my mind performing as well as I can with the sleep and meditation and minimal distraction. All of that aiming for “optimum performance” means that I’m far more productive in terms of things I can get done in an hour than I would be if I didn’t do any of it. Feeling good and rested makes all the difference.

A final thing worth noting is that I’m constantly tweaking my direction so that I don’t feel like I’m headed toward goals I don’t care about any more. I don’t commit to long term goals without a lot of thought, and I’m open to changing them. With shorter term goals, I’m constantly revising and evaluating them. The direction I’m headed on any given day is a direction I’m pretty happy with, and thus I know those ordinary things on my to-do list and calendar are ushering me toward a life I’m happy about.

In the end, the two hours or so I spend “sharpening the axe” each day are paid back in spades. I get a lot of things done each day, they’re important things (meaning I gave time to considering whether they’re actually beneficial to my life over the long haul), and I’m happy with them.

I don’t expect this exact system to work well for anyone else, but I know it works well for me as a married father of three with a flexible but deadline-driven career, a number of hobbies, and a lot of good relationships. I think that some degree of “sharpening the axe” is good for anyone who ever feels like they have a lot on their plate, or even if you don’t feel all that busy but you find that you have things often “slipping through the cracks.”

Good luck!

The post How I “Sharpen My Axe” Each Day – and Why appeared first on The Simple Dollar.



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How the Debt Snowflake Method Can Reduce Your Balance, Dollars at a Time

If you haven’t warmed up to the snowball or avalanche debt payoff methods, think smaller. Much smaller.

Consider the debt snowflake strategy for tackling debt. Unlike it’s better-known siblings, the snowflake method doesn’t involve a structured budgeting system for paying down your debt. However, it also doesn’t offer the end goal — eliminating specific debts — like snowball and avalanche aim to do. 

And just like snowflakes, tiny payments might not seem like much when tackling a mountain of debt. But when they pile up, your snowflake payments can add up to a lot of help. Here’s how.

How Does the Debt Snowflake Method Work?

First, debt snowflake is basically an offshoot of debt avalanche and debt snowball, two popular methods for tackling debt. Here’s a summary of those methods, in case you’re unfamiliar with them:

  • The avalanche method organizes your payments by prioritizing debts with the highest interest rates first and putting as much money toward paying off that balance first. It’s the best way to save the most money on interest as you’re paying down your debt.
  • For the snowball method, you pay off the smallest amount of debt first, then work your way up through paying off progressively larger debts. It’s great for people who are motivated by small wins as they watch individual debts disappear faster.

Both options involve creating schedules for making payments and putting any money toward the targeted goal — not so much with the snowflake. 

Accumulation is the key to making snowflake work. It requires you to realize all the ways you can save and/or make extra money each day — above and beyond your usual strategies.

Consider this scenario: 

On your drive to work, you stop for a jumbo coffee that costs $4. If you downsize to a medium coffee that costs $3, you save $1.

At lunch, you and your coworker head to the deli to buy $10 subs. By splitting one instead, you’ll add $5 to your snowflake pile.

After work, your neighbor asks if you can babysit her toddler for a couple hours. You consider it a favor, but she insists on giving you $10 for your trouble. 

At the end of the day, you’ve saved/made $16 that you immediately pay toward your credit card balance.

Need more suggestions for piling on the pennies — and dollars? We have a blizzard’s worth of ideas:

Ways to Save Money:

Ways to Make Money:

Does the Snowflake Method Actually Work?

We’re not trying to pull some snow job on you (like you didn’t think I’d go there) — collecting the money you save by splitting a sandwich is not your quick and easy way to pay off $20,000 in student loan debt.

In fact, the snowflake is likely to produce such small results that you might want to consider it more of an add-on to your other debt payoff method. 

But that doesn’t mean snowflake can’t help you pay off your debt faster. And if you start looking for ways to save/make money each week — yard sale, anyone? — those little snowflake payments can add up fast.

Let’s look at another example:

You’re trying to pay off a credit card with a $3,000 balance that’s charging you 17% interest and requires a $90 minimum monthly payment. Check out the difference you could make if you could accumulate $100 extra dollars through the snowflake strategy:

  Interest rate Minimum Payment Monthly Addition to Your Payment How Many Months It Will Take to Pay Off Balance Amount of Interest Paid
No Snowflake 17% $90 -0- 46 $1088.88
With Snowflake 17% $90 100 18 $419.80

Where to Gather Your Snowflakes

You’d save over $670 and shave 28 months of your debt payback timeline. Let it snow!

Here’s the thing about snowflakes: They melt fast. If you’re going to use the snowflake method, you need to move quickly before your micro payments disappear into the abyss of other expenses.

So how do you capture them? If you’re using cash, you can start a change jar to collect your savings at the end of the day — just make sure to deposit your savings into your bank account and use the entire amount to pay off the debt on a regular basis.

If you’re using a debit card, you can transfer the amounts into a separate account in real time.

Pro Tip

Contact your lender to request that it applies your payments toward your principal balance — it will help you save money on interest and pay off your loan faster.

But beware: Plenty of banks have a limit on the number of transfers you can make in a month, and you don’t want to watch all your snowflakes end up paying for transaction fees. 

Instead, keep a running tally of your savings for a specified period (like every two weeks), then pay the total amount at the end of the period. Also check with your lender to ensure that you won’t get dinged for making multiple payments in a specified period. 

However you save it, do yourself a favor and write down the amount you save each month as a reminder of how much those little snowflakes can add up — you can use it for motivation when Uber Eats beckons you.

Less debt? Now that’s cool.

Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder. Read her bio and other work here, then catch her on Twitter @TiffanyWendeln.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Best Work-at-Home Courses to Start Earning Money This Year

I’m going to let you in on a little secret. You don’t need a college degree to have a good-paying home-based career. Even though I have two college degrees, I’m not using any of what I learned in college to make money today. Everything I’m doing today to earn money from home, I've learned along […]

The post Best Work-at-Home Courses to Start Earning Money This Year appeared first on The Work at Home Woman | Legit Work From Home Jobs.



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