MAKE MONEY ONLINE POSTS: 01/08/20

الأربعاء، 8 يناير 2020

Can You Take Out Life Insurance on Just Anyone?

Do you have to have a relationship with the person, or can it be any old Joe?

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Can You Take Out Life Insurance on Just Anyone?

Do you have to have a relationship with the person, or can it be any old Joe?

Source Business & Money | HowStuffWorks https://ift.tt/301PFIw

What is Dwelling Insurance?

If you’ve recently purchased a home, you’re probably new the world of homeowners insurance. Although it’s not required by law, homeowners insurance can save you a lot of money over the long term.

If you’re in the process of shopping for homeowners insurance, you should understand the different components of your policy and know what each one covers. The biggest one to know is dwelling insurance because it’s one of the parts of your insurance policy that you’re most likely to use.

In this article, we’ll explain what exactly dwelling insurance covers, how much you need and how to save money on your premium

What is dwelling insurance?

Dwelling insurance is the portion of your homeowners insurance policy that protects the dwelling, meaning the physical structure of your home. If the exterior of your home were damaged or destroyed by a covered peril, the insurance company would help you pay for the repairs based on how much dwelling coverage you have.

What does dwelling insurance cover?

Most dwelling insurance policies cover the same basic perils, or qualifying events. According to the Insurance Information Institute (III), your dwelling insurance likely covers damage that results from:

Fire and smoke
Lightning
Extreme weather, like hail or windstorms
Explosions
Vandalism
Burglary
Damage from snow or ice
Falling objects
Damage from a car or aircraft

Homeowners insurance policies vary based on the state or region, so check with your insurance provider to confirm the dwelling meaning according to them and what perils are covered under your policy.

What’s not covered?

The list of common covered perils is pretty comprehensive, but it’s important to be aware of the situations that are not covered by your dwelling insurance.

The most notable events not covered are floods and earthquakes. If you live in an area that is prone to flooding from hurricanes, or is within an earthquake zone, you can purchase a separate policy that specifically covers those events. Sewer backups are also not covered, but you can add-on coverage with a specific policy for that as well.

Additionally, your dwelling insurance won’t cover basic maintenance for your home. The upkeep of your home is your responsibility, so it must be paid for out-of-pocket. If you find termite damage, mold, rusty pipes or general wear and tear, you won’t be able to file a claim to cover it.

Lastly, dwelling coverage only pertains to the main physical structure of your home. Like we mentioned earlier, your attached garage is most likely included in that. Any detached structures you have on the property, like a shed in the backyard or a fence, probably won’t qualify for coverage. You’ll need to purchase a separate policy to cover damage for detached structures if you have any.

How much coverage do I need?

When it comes time to purchase homeowners insurance, the biggest question people have is how much coverage they need. To start, let’s look at the two main parts of your dwelling coverage: the coverage limit and deductible.

Your coverage limit is the highest amount of money that the insurance company will give you for a covered loss. If you had a coverage limit of $100,000 and your home sustained $150,000 in damage, the insurer would pay $100,000. You would be responsible for $50,000.

Your deductible is the amount of money you have to pay out-of-pocket before the insurance company will step in. If you had a $1,000 deductible and your home sustained $10,000 worth of damage, you would be responsible for paying $1,000. The insurance company would cover the remaining $9,000.

As a rule of thumb, your dwelling coverage limit should be roughly what it would cost for you to rebuild your home in its current state. Keep in mind that your coverage might not be the actual market value of your home. To estimate the cost of rebuilding your home, III recommends multiplying the total square footage of your home by local, per-square-foot building costs. A realtor or local construction company can provide that information.

As for your deductible, that depends on how much you can comfortably afford to pay out-of-pocket if you needed to repair your home. Maybe you can afford to put $2,000 towards the damages or maybe you can only afford $500. The lower your deductible, the higher your annual premium will be.

How can you save money on dwelling insurance?

Although homeowners insurance can be expensive depending on where you live, most insurance companies offer discounts that can help you save money on your annual premium. As you’re shopping, get quotes from multiple providers to make sure you’re getting the best rate.

Most insurance providers offer savings for customers who have certain safety features or equipment in their home, like fire alarms and anti-theft systems. You’ll also get a deduction if you make minor home improvements that could strengthen the integrity of your home, like installing an impact-resistant roof. You can also expect to save money by bundling your insurance premiums, paying your policy in full every year and remaining claim-free. Most importantly, you can slash your premium by raising your credit score and increasing your deductible.

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The U.S. Census Bureau Is Now Recruiting for 2020 Census Jobs

The 2020 census requires a massive, temporary workforce to get every American counted. A job that once involved clipboards and file boxes now utilizes mapping software and smartphones.

All together, the census will employ more than 500,000 temporary and part-time workers. Hiring has already begun. And get this: The pay ranges from $13 to $30 an hour.

Pay rates vary by position and location, but you can find the ranges for your state and county via this electronic form on the census site.

If you speak a second language, you’re even more in demand. The census is looking for bilingual workers and those who live in neighborhoods with large immigrant populations so that “our census takers look like the neighborhood we’re counting,” Jeff Behler, regional director of the Census Bureau’s New York Regional Office, said in a story on Census.gov.

If this sounds like the gig for you, fill out the online application.

To be eligible for the jobs, which include census takers, office staff and recruiting assistants, you must meet the following qualifications:

Be a U.S. citizen and at least 18 years old.
Have a valid Social Security number and email address.
Pass a criminal background check, including fingerprinting.
Have the flexibility to work days, evenings and weekends.
If you’re a male born after Dec. 31, 1959, you must be registered with the Selective Service System or have a qualifying exemption.
Be able to count to 330,252,053. Just kidding — that’s a little census humor for you.

Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder. Senior editor Molly Moorhead contributed reporting.

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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One million households got a free broadband boost overnight – here's why

Virgin Media broadband customers get a free internet upgrade in new roll-out.

Brean Horne Wed, 01/08/2020 - 14:02

Over one million Virgin Media customers have received a free broadband boost of up to five times their previous speed.

The upgrade, which started on Tuesday, will move customers on to Virgin Media’s M100 package, meaning they’ll benefit from an average broadband speed of 108Mbps - twice as fast as the UK average.

Under the plan, more than half a million Virgin Media customers will see their broadband speeds double and some will experience a five-fold speed increase.

To be eligible for the free broadband speed boost, customers must have joined Virgin media before 1 December 2019 and be on one of the following tariffs:

M50
L50
L70
Capped Fibre 20

Upgrades will happen automatically, and customers will get a notification once it’s completed.

Virgin’s roll-out aims to reward loyal customers and make internet access more accessible.

Annie Brooks, executive director of connectivity at Virgin Media, say: “We’re starting 2020 with a broadband bang by rewarding our loyal customers with this free speed upgrade so even more people can experience our ultrafast, future-proof connectivity.”

“As the UK’s fastest widely available broadband provider, we want to banish buffering and let our customers live without limits so they can do everything they want to online, at the same time, without delay."

How to fix a slow internet connection

If you think your broadband speed is slower than it should be, an online broadband checker can help you find out how much you are getting.

Companies like uSwitch offer free broadband speed checkers online.

Not all households will get the average speed quoted by providers in adverts.

This is because companies advertise average speeds available to 50% of their customers at peak times.

So, 50% could end up with slower speeds.

If your broadband speed is much slower than you’re paying for, get in touch with your provider for advice.

There could be a fault on your line, problems with your set-up or even a temporary service fault that could lower your broadband speed.

If your broadband provider isn't able to assist you, then it’s worth switching to a new one that offers better service.

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How to Choose a Checking Account: 7 Factors That Actually Matter

Checking accounts offer a convenient way to manage your funds, but not all checking accounts are created equal. If you’re tired of your current checking account or you’re thinking about opening one for the first time, there are a few things you need to consider.

How to Choose a Checking Account: 7 Factors to Consider

If you’re wondering how to choose a checking account, ask yourself these questions to determine which account is right for you:

1. Can You Sacrifice Convenience for Lower Fees and Higher APYs?

One of the biggest decisions you’ll need to make is whether you want a traditional brick-and-mortar bank or if you’re willing to keep your money in an online checking account.

While there are several key distinctions, it really comes down to your comfort level with an online-only bank, whether you need in-person assistance and how much interest you want to earn; online banks tend to offer much higher APYs because of their lower overhead costs.

Some other considerations:

Online banks typically have fewer (or no) fees for overdrafts, foreign transactions and ATMs.
Online banks usually have superior mobile apps, but traditional banks are catching up.
Brick-and-mortar banks make it easier to deposit cash.

2. Are You a Frequent ATM User?

If you frequently make cash withdrawals via an ATM — or you think you will once you open your first checking account — choose a bank with locations all across the country. Access to ATMs and various branch locations is especially important if you’re paid in tips and frequently need to deposit cash.

Alternatively, you can find a bank that belongs to an ATM network, meaning even though your bank’s logo might not be on a specific ATM, you can still use it to deposit and withdraw money — potentially fee-free.

3. Can You Meet Minimum Balance Requirements?

Checking accounts often have minimum balances. If you don’t plan to keep much money in your checking account on a regular basis, find an account with no such fee.

If you intend to keep more money in your checking account, perhaps for easy access in emergencies (especially for those who don’t have or want credit cards), find a high-interest checking account.

4. How Often Do You Travel?

Traveling domestically is more convenient when you choose a bank with a large, national ATM network.

But if you travel abroad regularly and don’t have a no-fee credit card, you should find a checking account that offers a debit card with no foreign transaction fees. This will allow you to swipe your card at foreign restaurants, shops and airlines or withdraw funds from an ATM without incurring fees.

5. Are You OK With Having Your Checking and Savings at Different Banks?

Do you already have a savings account at a bank? If so, transferring funds from checking to savings and vice versa is much easier when the accounts are linked at the same bank.

However, you have the potential to get better rates if you keep them separate. Bank A may offer a higher APY and lower fees for its checking account while Bank B might have superior APYs and a larger ATM network for its savings account. Diversifying your checking and savings accounts can optimize your earnings and reduce spending on needless fees.

6. Is There a Sign-up Bonus?

Banks often run promotional offers — typically a cash bonus when you open an account and keep X amount of money in it for a specified amount of time. If you’re considering a handful of similar accounts with no important distinctions among them, go with the one that’s currently offering the best sign-on reward.

7. Should You Choose a Credit Union Instead?

Banks aren’t the only institutions that offer checking accounts. If you meet the qualifications to join a credit union, you may find a better account for your needs there. Use our guide for choosing between a credit union vs. a bank.

Ready to start looking for an account? Here are some of our favorite checking accounts.

Timothy Moore leads a team of editors and graphic designers at a market research company as his full-time gig. As a freelance writer, he writes about personal finance, careers, education, pet care, travel and the automotive industry. His work has been featured on Debt.com, The Ladders, Glassdoor and The News Wheel.

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Some councils are charging families for ‘paupers' funerals’

A Freedom of Information Act (FOI) has revealed that some local authorities do not automatically return ashes and are charging bereaved families

Stephen Little Wed, 01/08/2020 - 10:06

Some councils in Britain are charging bereaved families to return ashes from a public health funeral, while others are not even allowing relatives to attend.

A ‘paupers' funeral’ is a simple cremation or burial arranged by the local authority for people who have died alone or in poverty. They tend to be very basic and do not have flowers or a wake.

Insurer Royal London sent a Freedom of Information (FOI) request to 400 UK local authorities and received 383 responses.

It found that 14 councils do not allow family members to attend a public health funeral.

Some councils explained that they were unable to do this as no service is provided for a family to attend.

The FOI also revealed that 21 councils in the UK did return ashes to the family after a cremation, while 18 councils charge bereaved families for the ashes to be returned.

Reasons for charging for ashes included the cost of the urn to the council or a collection cost.

What is a paupers’ funeral?

Local authorities are required by law to arrange public health funerals for people when no suitable arrangements have been made.

They carry out thousands of ‘pauper’s funerals’ every year for people who have died alone, in poverty or do not have family.

The funeral services are very basic do not include flowers or transport for the family, while some burials may also take place in an unmarked shared grave.

It is possible to attend the funeral, but the local authority will decide the time and date.

Rising costs

With funeral costs rising to well over £4,000, many people are unable to afford a basic funeral.

In the 2018/19 financial year, more than 4,000 public health funerals took place at a cost of £6.3 million.

Nearly a third (29%) of these funerals were undertaken by local councils because bereaved families were unable to afford the cost.

Royal London is calling for minimum standards for public health funerals.

Louise Eaton-Terry, funeral cost expert at Royal London, says: “It’s incredibly sad when bereaved families have no choice but to seek a public health funeral. But when some families are refused the ashes of their loved ones or are not even allowed to attend the funeral, it is clear that they are being treated unfairly.

“It’s about time the system was overhauled, and we’re calling for legislation on minimum standards for public health funerals to ensure everyone can, at the very least, attend a funeral and collect their loved one’s ashes.”

A spokesman for the Local Government Association says: “Public health funerals are a last resort for those cases where family or friends cannot be identified to arrange a funeral, or no-one is willing to do so.

“When arranging these funerals, councils will seek to ensure the religious beliefs or wishes of the deceased are respected and they are provided with a dignified funeral, while keeping the costs to local taxpayers to a minimum.

“In many cases the deceased has no family to arrange their funeral, so there is no-one to attend a service if one is held or to collect the ashes.

“Where family members are unable to afford the cost of the funeral those who receive income related benefits can apply for a funeral payment, and last year the government announced an uplift in the grants made available, though these may not cover the full costs of a funeral.

“With local authorities facing challenging funding pressures the increase in the number of public health funerals is putting further pressure on council budgets and driving them to limit the costs they incur in arranging these funerals.”

What to do if there isn’t enough money for a funeral

The government’s Funeral Expenses Payment helps certain individuals who are on a low income to pay for a funeral they are responsible for organising.

The fund covers the full cost of burial or cremation and up to £700 in funeral directors’ fees.

To be able to claim you will need to be a partner of the deceased when they died or a close relative of the friend. It is available to those claiming benefits, including Universal Credit and Working Tax Credits.

You can apply for it by completing an SF200 form on gov.uk website. https://ift.tt/37LiqvD

You can also apply for Bereavement Support Benefit if your husband, wife, or civil partner dies.

If you are pregnant or have a child you will receive a monthly payment of £350 for 18 months following the death, or a one-off payment of £3,500 during the first month.

Everyone else will get a monthly payment of £100 for 18 months, or a one-off payment of £2,500 during the first month.

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Journey® Student Rewards from Capital One® Review

The is a great card for students who don’t have enough credit history to qualify for more lucrative rewards credit cards, but who don’t want to settle for a card without perks.

The Journey® Student Rewards from Capital One® is structured to teach and reward good credit practices by rewarding on-time payments with a higher rewards rate. By learning to responsibly use this card, students can earn up to 1% cash back on all purchases. Pay on time to boost your cash back to a total of 1.25% for that month.

Card	APR	Annual Fee	Intro Bonus	Credit Needed	Key features
Journey® Student Rewards from Capital One®	26.74% (Variable) APR	$0	None	Fair to Good	Unlimited 1% cash back on every purchase

What we like about the Journey® Student Rewards from Capital One®

The Journey® Student Rewards from Capital One® provides cash back rewards to students who would normally not qualify for rewards credit cards. This card offers 1% cash back on all purchases and an additional .25% for each month you make your payment on time, rewarding students who use the card responsibly. After you make your first five payments on time, you’ll have access to a higher credit line with Capital One’s Credit Steps program.

If you’re a student who is looking for their first credit card, don’t overlook this one. The card’s cash-back rewards and $0 annual fee makes it a great option for people who have little or no credit history. To top it off, the Journey® Student Rewards from Capital One® also has foreign transaction fees, making it a fantastic card to take with you on your semester abroad or on your spring break vacation to Mexico.

Things to consider

If you’re looking for a credit card with heavy-hitting rewards, the isn’t it. With no new cardmember bonus and a lackluster rewards rate compared to other cash-back rewards cards, you’ll have to use your card a lot to earn enough rewards to pay for travel or large purchases.

Also, if you use this card too much without paying off your balance in full every month, you’ll have to contend with its high interest rate. The Journey® Student Rewards from Capital One® credit card’s 26.74% (Variable) purchase APR can cause some major issues if you don’t already have good credit card habits.

The Journey® Student Rewards from Capital One® is designed to help people build their credit history while also developing credit card responsibility. If you already have great credit card habits, you can find better rewards and better rates elsewhere.

Journey® Student Rewards from Capital One® cash-back rewards details

The rewards you with 1% cash back on every purchase with no limit. You’ll also earn even more just for paying your bill on time every month. For each on-time payment, your rewards rate will go up by .25% for that month, rewarding you for using your card responsibly.

The only thing limiting your potential cash-back rewards each month is your credit limit. Student cards generally come with low credit limits as you build your credit history and responsibility. The Journey® Student Rewards from Capital One® rewards your responsibility with access to a higher credit line after you make your first five monthly payments on time.

Journey® Student Rewards from Capital One® fees

While this student card carries a high purchase APR, the fees are quite reasonable. There’s no annual fee, transfer fee, or foreign transaction fee. If a student wants to get a cash advance, the fee will be either $10 or 3% of the advance amount, whichever is greater. Finally, if a student is late on their payments, the fee is up to $39.

How does it compare to other student rewards cards?

The competition for the best student rewards credit cards is strong. To see whether the Journey® Student Rewards from Capital One® fits into your wallet, let’s see how it stacks up next to a couple of other popular student rewards cards.

card has no annual fee as well as a 0% purchase APR for 6 months. After that, the APR jumps to 19.49% Variable. You can earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to a quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases automatically. You’ll even get a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.

The offers a better base rewards rate each month you make your payment on time.

Another option is the Citi Rewards+ Student Card, which also has no annual fee and a 0% APR period (this one lasts for seven months). You’ll earn 2x points at supermarkets and gas stations for the first $6,000 per year and unlimited 1x points on all other purchases. Plus, you’l get 2,500 bonus points after spending $500 in the first three months.

Overall, the Citi Rewards+ Student Card is a great option for students with good credit, while the Journey® Student Rewards from Capital One® is better for those with average credit or limited credit history. The base rewards for the Citi card are comparable with the opportunity to earn double points at gas stations and grocery stores. However, the Journey® Student Rewards from Capital One® wins for studying abroad with no foreign transaction fees while the Citi Rewards+ Student Card charges 3%.

The bottom line

The is an excellent choice for students who want to learn how to be rewarded for using a credit card responsibly. Built for students with limited credit history, it works well to earn a little cash back while you build enough credit to qualify for more rewarding credit cards with better rates.

Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.

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How to Turn What You Read into Financial Action

“But though we are capable of writing and reading these sentiments, though we can praise them as we read, yet they do not bring conviction to us, nor anything like it.” – Epictetus, Discourses: Book Four

It’s a cycle that many of us are familiar with. We read some article on how to improve some aspect of our lives that we’re concerned about, we get all excited and ready to change things, and then we do nothing at all other than read another article the next day and repeat the cycle.

I know this cycle certainly hits home for me. I read stuff about some form of self-improvement, finance, productivity or health every day. A lot of it is exciting and empowering, but I take action on only a very small portion of it.

Yes, some of it is volume — you can’t do everything, after all — but there’s a deeper issue going on here.

When we read an article about a self-improvement topic, whether it’s financial, health or something else, several things can happen that keep us from actually converting that good idea into action.

Sometimes, that idea just doesn’t make sense in our life. It might be something we could do down the road, or something that made sense to our life 10 years ago, but it doesn’t quite click now. You might share that article with your parents, child, great-niece or whatever. It’s got good ideas, just not ones that make actionable sense for you right now.

Sometimes, we just forget about them. We forget the vast majority of what we read. (I’ll come back to this in a bit.) This doesn’t mean we’re bad or that the article or book is bad. It just means we’re human readers.

At other times, the action of reading the article itself feels like accomplishment. It’s similar to how we’ll watch a cooking show and then not translate it to the kitchen because we already have a vague sense of fulfillment about the dish having merely watched a cooking show. (I do this too often with Binging with Babish — I still need to make those nachos.)

At still other times, we actually intend to try out some of the ideas presented, but we just don’t. This happens to me quite often. I’ll think that an article or a book has some great ideas in it, but I just don’t translate those ideas into action.

I have a solution to this conundrum that has been working well for me, but for it to work for you, you have to actually take action on this article. Trust me — following through here will really make a difference.

Whenever you read an article about something to improve yourself, whether it’s a personal finance article here or any kind of article or book anywhere else, ask yourself three questions.

First, is there anything in this article that feels like it could actually improve my life in a way that I seriously want? It’s OK to read something and learn a little from it without translating that into action; that’s not what I’m talking about here. Rather, if there’s an article you’ve read that clearly translates into action in an area of your life where you want to make a change, recognize that. Is this article proposing a change I need to make or really ought to make in my life?

Second, is that proposed change a realistic one for my life situation? Is this something that I could actually pull off, in other words? Often, you’ll read about something that could improve your life in a way that you want to improve but, for some reason or another, you can’t really do it. Maybe a financial article proposes a retirement savings strategy that requires more income than you have or requires a better employer, for example.

If you’re in this situation, where the big picture is something you want to change but the specifics don’t work for you, take action by finding another article on the same “big picture” where the specifics might make more sense. For example, if you read an article about getting started on retirement, something that you really want to do and think you can do, but the strategy described doesn’t apply to you — maybe it requires a workplace 401(k) — take action by finding a different article on getting started on retirement. You might simply Google it by searching for “saving for retirement without 401(k)” or something like that.

Now, the final question: if this article is both relevant to something you personally want to achieve and it describes a method for doing it that makes sense in your life, what is the single action you could take that would get you started on that path? Or, if it’s a list of tips, what is the single tip that makes the most sense to you?

Don’t worry about big all-encompassing strategies or doing fifteen different things at once. That’s what keeps you from actually translating what you read into action (and it’s why I haven’t yet made those nachos from Binging with Babish).

Instead, focus on that one singular thing, that single action that you can take that will really make a difference. Make doing that one single thing a top priority today. Put it on your to-do list or, even better, just go do it right now.

If you read an article about retirement savings without a 401(k) and it all makes sense to you, take action by signing up for a Roth IRA. Not sure which one to sign up for? Look for an article on choosing a Roth IRA and follow that advice.

If you read an article about frugality and it has a bunch of tips on it, go through that list and choose the one that makes the most practical sense in your life, the one that’s obviously going to work for you in your situation. Whatever that tip is, do it. Put it on your to-do list if you must, but even better, do it right away.

If you read an article on a bunch of good frugal ideas for Valentine’s Day and you want to do something frugal but romantic for your partner, go through that list, choose one thing, and do it now. Take whatever action needs to be done today so that it’s in place for Valentine’s Day. Ask your boss for a day off. Make a plan and a shopping list for a home-cooked meal. Write a good first draft of a romantic note. Take one singular action right now to pull something off.

If you read an article on the connection between your physical and financial life and it motivates you to make some changes to your health, choose just one thing and focus on it. Even if it’s just an action you take today, do it. Go on a walk. Eat some extra veggies with your supper and a little less of the main course. Go to bed an hour earlier.

You get the idea.

Now, here’s the real trick: the next day, after you took that action, ask yourself if it worked out for you. Are you glad you did what you did? Chances are you’ll be very proud of yourself for taking action on it, and you should be.

If it’s just the start of something bigger, or something that reaps rewards with repetition, could you do it again today? If so, put that on your to-do list for today, too. Keep repeating it until it’s a habit.

The key to all of this is simple: don’t let a self-improvement idea that really strikes a chord with you sit there undone. Reading it isn’t enough. Feeling that sense of finding a good idea that would work for you isn’t enough. Translate that into action, but don’t overcomplicate it. Just choose one singular action to take from that article.

Don’t worry if it’s something small and seemingly inconsequential, like eating a few extra veggies or going to bed earlier or writing a draft of a romantic note. It’s fine that it’s small. What’s important is that you did something.

Personal finance articles and books, along with all other self-improvement materials, are great to read. They can inspire you and fill you with great ideas for a better future. However, they don’t mean a whole lot if you just read a really powerful idea and don’t translate it into action in your life.

Make it a point that, when you find an article that describes something really powerful and meaningful to do, you actually translate that into one single meaningful action. Do just one thing. Don’t try to do it all – that’s overwhelming. Break it down to just one step, do that one step, then ask yourself tomorrow how you feel about it.

That’s how real change begins. It doesn’t come from reading an article and forgetting about it. It doesn’t come from trying to change everything all at once. It comes from that one meaningful action.

Good luck!

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The Best Blogging Tools and Resources For Profit Generating Blogs

If you want to work-from-home and make money with your blog — then you need to have the right blogging tools, resources, and information to guide your way. With an overwhelming amount of information on the web, it’s often confusing figuring it all out. Listed below are some of the blogging tools that I use, […]

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