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الجمعة، 10 يونيو 2016

A Step-By-Step Process to Tell Compelling Stories and Improve Conversion Rates

I’ve noticed that there’s something that scares most marketers.

We love our data.

Most marketers find it fun to review their traffic, engagement, and subscriber numbers. It allows them to test new things and measure their effect.

Data is logical.

But when it comes to content marketing, there’s a component that doesn’t always seem logical: storytelling.

I’m not talking about writing a fiction novel. I am talking about having the ability to write about even the most boring topics in a fun-to-read way.

It’s something that many marketers, even good ones, struggle to do.

Do you also have trouble with this part of creating content?

I see you nodding.

I’ll be honest: that’s a problem. If you can’t write persuasively, you’ll struggle to get subscribers, traffic, etc.

The good news is that it’s a skill that can be improved.

And if do it well, you can create content that sparks conversations across your niche. You’ll find that dozens of blogs start mentioning and linking to your content with very little effort on your part.

Although this skill might seem like something abstract and impossible to improve upon, it can be translated into a proven process that you can follow. This makes developing it a lot easier.

In this post, I’m going to show you that process, step by step.

If you implement it, your content should produce more traffic, referrals, backlinks, and subscribers. 

Step 1: Identify and describe the problem (3 parts)

A story can be really interesting to you but completely uninteresting to someone else, depending on how it’s told. That’s because we care about different things and enjoy things in different ways.

When you’re creating content, there are two places you can start:

  • The problem (that you intend to solve for your readers)
  • Your readers

Either can work, but starting with your readers is the most logical place to begin.

The more you understand your audience, the more you can tailor your content to them. Ideally, you want to be able to answer questions such as:

  • What are their passions?
  • What are their biggest problems?
  • Whom do they care about most?
  • What do they do for entertainment?

You can figure out some of this by doing some basic demographic and psychographic research.

The ideal way to figure out these answers is to talk face-to-face with some of your readers.

There are three ways to do this:

  1. Know some people in your target audience in your daily offline life. Offer to take them out to lunch and talk to them.
  2. Ask email subscribers to answer a survey, or have a quick chat with them. Offer a small reward if they agree (even a $5 gift card could be enough).
  3. Host webinars. Not only are webinars great because they convert subscribers into customers, but they are also great because they give you a chance to actually talk with your most engaged readers.

image01

Once you’re having a conversation, you can ask most of those questions above although you should try to phrase them in a way relevant to your niche.

For example, since I write about marketing, I could ask questions such as:

  • Why are you learning marketing?
  • What do you hope to accomplish as a marketer?
  • How will marketing affect other areas of your life?

Analyze the answers from 10-20 different people, and you’ll start to see patterns.

Next, identify the problem and the pain: Each piece of content should solve one specific problem. And all problems produce pain, which is where the emotion behind storytelling factors in.

If you understand the pain, you can explain the problem better than most readers can themselves. If a reader sees that you can do that, they’ll believe that you have the solution.

All content and stories should start with the pain because that’s how you draw in the reader.

Before you start writing, you should be able to fill in the blanks:

The problem I solve for my reader is ______________________.

And:

The reason my reader is motivated to solve this problem is because _______________(the pain).

Finally, you need to put that pain in the context of your reader.

For example, say you write about fitness. You identify that many gym-goers get wrist pain while bench-pressing. The pain is a clear physical one, and your reader wants to solve this problem.

But think of the difference in the pain for:

  • A casual gym-goer
  • A high level athlete

For the casual gym-goer, the pain is annoying because it makes it harder to get into shape.

However, for a high level athlete, the pain isn’t just physical—it’s preventing them from improving and achieving important goals in their life.

You can’t write a story to appeal to both audiences at the same time. That’s why the first part of this section was so important.

With all this identified, you can move onto the next step, which is where you can actually start the story.

Step 2: Drive the pain home

Now you’re beginning your content.

While you might want to remind your readers of the pain throughout your story, the intro is where you need to drive it home.

You want to use everything you’ve learned from step 1 and describe the pain your reader is facing in great detail.

Copywriters often call this “amplifying” the pain.

Let’s look at an example. Here’s the intro from an article on Smart Blogger.

image02

I’ve highlighted a few different things here:

  1. A common fear the readers of that blog have.
  2. Illustrating the pain and frustration his readers feel (describing why).
  3. Amplifying the pain by connecting this specific pain (little traffic from each piece of content) to a bigger pain (failing to get traffic and subscribers on the overall blog).

So, how do you do this for your own content?

There’s no set formula, but to start, make a list of:

  • The problem
  • The pains specific to that problem
  • The bigger pains related to the problem

Remember earlier, our example problem was that our athlete was getting wrist pain in the gym.

At this point, you’d have some notes on your outline, like this:

  • The problem – You can’t work out effectively and can’t make progress in the gym.
  • The specific pains – Sharp wrist pain every time you try to bench-press a decent weight.
  • The bigger pains – If you can’t work out, you can’t achieve the level of play that you want. If you can’t get rid of this pain, you’ll see your teammates and opponents surpass you because they aren’t limited by it.

Those three points come together really naturally from there.

After pain, offer relief: You’ve effectively “broken down” your reader. They’re feeling the pain and worried about what happens if they can’t solve the problem.

But now, you turn it around and offer an answer. You’re the only one who understands their pain, and you know how to solve it. Why wouldn’t they be interested in what you have to say?

Make your transition, just like in the example post from above:

image06

There are two parts to this:

  • State your solution
  • Give an optimistic example

In the case above, the author’s solution to traffic problems was to leverage Slideshare. Then, he gave an example of Michael Hyatt getting 70,000 views on his content on Slideshare.

In our example, the solution might be to fix our athlete’s bench-pressing technique. You could give a personal example or an example of a student who was able to get past their pain and add 50 pounds to their bench press within three months of implementing the solution.

Essentially, you’re saying that you understand their end goal and now want to show them how to connect the dots.

Step 3: Craft a narrative

Now we’re into the meat of the story.

It’s time to not only give your solution but explain why it works. The more context you can give, the better.

For example, Alex Turnbull (Groove HQ blogger) wanted to write a post about improving conversion rates through design.

But to make it more compelling, he crafted a narrative—a before and after story. He went through the steps that Groove used to increase their conversion rates by 100%.

image04

If you can give detailed examples throughout your solution, you’ll make the story much more interesting.

However, it’s not always possible, so focus mainly on providing the best possible solution for your reader and then add examples if possible.

Step 4: You can only be compelled if you believe in the story

Here’s a part that many marketers miss.

If you did the first few steps right, your readers will read your content with an open mind. After all, you seem to really understand their problem and pain and claim to have a solution that works.

If you want your readers to be ready to take action at the end of your content or landing page, you need to give proof.

On landing pages, this is typically done with testimonials and case studies.

image07

For blog posts, you do this with data and research throughout your story.

The more evidence you can provide to show that your solution should work for your reader, the more likely they are to take action.

For example, I wrote a post about “How I Generated $332,640 in 3 Months From Instagram.”

In this post, I outlined the strategy I took, but I also provided proof—a screenshot of the sales I made:

image00

When you include proof like that, your reader will believe that your solution worked for you and thus might work for them too.

Want to make your story bulletproof? The key factor above is that the data and personal examples show that your story is true and that it worked in the main scenario you’re writing about.

Sometimes, that leaves some readers with the question: “But will it work for me?”

That’s where you need to pile on the evidence.

In that same article about using Instagram, I shared multiple examples (case studies) of other businesses using the exact same model to achieve great results:

image03

The point is to remove as much doubt from readers’ minds as possible.

Step 5: Inspire action and bring it home

Your story (content) is essentially complete at this point.

You’ve done the following so far:

  • Described the pain
  • Offered hope of a solution
  • Detailed your solution
  • Backed it up with examples and data

As you know, simply reading a blog post alone is almost always useless.

The real value for the readers is in applying the information they learned from your posts.

Some readers are self-motivated and will figure out how to do that. However, many of your readers won’t know what to do unless you tell them (or at least give them a hint).

You’ve probably noticed I end all my posts with some sort of a conclusion. In that conclusion, I include a call to action.

For example:

image08

It’s your chance to remind your readers of the main steps that they should take to apply whatever solution you showed them.

This is also an opportunity to include a call to action for anything further that might help them.

You might tell readers to try some strategy you laid out. And you can also include a call to action to sign up for a course you offer, subscribe for an email list, or download a content upgrade.

image05

Conclusion

Truly compelling content inspires readers to act on your advice.

Making a big impact in your readers’ lives will help you get more traffic and turn more of those readers into subscribers and customers.

While creative storytelling isn’t the strength of most marketers, we’re not trying to write a fiction masterpiece here.

Instead, you should aim to tell stories to intrigue readers so that they keep reading and then take action. If you follow the 5-step process I’ve shown you, you’ll be able to do exactly that.

If you’ve read or written any great pieces of content lately, share them below so that we can all see more examples of compelling stories.



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Want to Know How Much Money You’ve Made — Ever? This Site Will Tell You

Have you ever wondered how much money you’ve made… over your entire lifetime?

We see those little black numbers on our pay stubs — or, let’s be real, in our bank accounts after direct deposit — regularly enough to feel like we have a handle on our earnings.

But our wages (hopefully) change over time, and it’s easy to forget about side gigs, tips and other irregular income.

So if you could see, at a glance, the total amount of money you’ve earned over the course of your life, would you?

As it turns out, there’s a website that lets you do just that. And it might teach you a lot about your personal finances.

How Much Money Do You Make… Really?

Seeing your total lifetime earnings in actual, numerical form is kind of like checking the bottom of your shoe after you squish a particularly nasty bug.

It’s gonna be gross — and maybe even a little scary — but you’ve gotta make sure it’s really dead.

Your total lifetime earnings might shock you with their low total.

But more likely, you’ll wonder how you squandered the thousands and thousands of dollars you’ve made.

As reddit user palmermarc handily summarizes, “I’ve actually made significantly more than I thought… And yet, I’m broke.

“[Expletive deleted] my life.”

Either way, you know you want to take a peek.

Take a deep breath. When you’re ready to satisfy that morbid curiosity, head on over to My Social Security. Make an account, and then click on the “Earnings Record” tab.

See those big numbers in the final column? Grab a calculator and add ‘em up. If you’ve been working for a while, you might want to use a spreadsheet.

The grand total is your lifetime earnings, before taxes and obviously not including any money you don’t report. (Don’t cheat on your taxes, kids.)

So there it is, revealed, for better or for worse.

And no matter how you feel about your total, it probably gives you a sense of how much more you could be doing with your money.

(Friends to the north, you can check the Canada Revenue Agency for this info.)

Money Management, Budgeting Help and More

Even if you make a pretty decent wage, it’s easy to feel like it’s never quite enough.

After all, living within your means is hard work. Even millionaires have to budget if they want to keep the title.

If you can’t believe how much money you’ve earned when there’s always next to nothing in your bank account, keep reading. We have some great ways to help you finally get ahead and save some serious cash.

Here’s how to save your first $1,000 and break the paycheck-to-paycheck cycle. Once you’ve got some cushioning in your account, you can start to get serious about budgeting and setting financial goals.

One quick way to save a giant chunk of change? Start spending your grocery money more carefully. Here are some of our favorite ridiculous (but effective!) ways to save money on groceries.

Alternatively, you might be disappointed by how low your total is after working hard for years on end. But not to worry: We’ve got resources for you, too.

If you want to see your total earnings increase… you need to earn more money.

Start by browsing these 29 ways to earn money on the side, or pick up hours at one of these well-paid retail jobs.

Maybe you could sell some of your clothes or create a flexible side gig with Uber or Postmates.

That low-ball total got you feeling really radical? Consider switching to one of these high-paying careers that don’t require a college degree… or taking the plunge and finally getting your freelance business on its feet.

No matter what you decide, congratulate yourself on confronting the truth and making some decisions.

It wasn’t that bad, was it?

Your Turn: How much money have you made in your lifetime? Did your total shock you because it was too low… or way higher than you expected?

Jamie Cattanach (@jamiecattanach) is a staff writer at The Penny Hoarder. As a poet, she’s just glad she’s made any money, ever. Her creative writing has been featured in DMQ Review, Sweet: A Literary Confection and elsewhere.

The post Want to Know How Much Money You’ve Made — Ever? This Site Will Tell You appeared first on The Penny Hoarder.



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These 16 Sizzling Work-From-Home Jobs are Accepting Applications Right Now

Want to work from home?

Wondering who’s hiring right now and for what positions?

Then keep reading, because we just scoured our list of 125 innovative and remote companies

And we found 16 jobs that are 100% remote, work-from-home, telecommute, PJs-all-day, whatever you want to call it — and accepting applications right now.

A few have unlimited vacation policies, and one even offers unlimited Starbucks cards. In other words, they’re pretty sweet gigs.

Though we’ve organized them by category, we recommend you look through them all, since most don’t require any special type of experience or education.

Ready? Here we go…

Unique Remote Jobs

These openings don’t fit in any of the other categories, which means they’re actually some of the coolest ones available.

1. Online English Teacher

What a fun side gig!

As an English teacher with Education First, you’ll work a minimum of 15 hours per week, including evenings and weekends.

You need to be a native English speaker with at least an associate degree.

2. Executive Assistant

You’ve undoubtedly seen Upworthy’s inspirational stories splayed on your Facebook feed before — and right now, the popular website is searching for a “phenomenally organized” executive assistant.

Not only will you get to work closely with Upworthy’s “top two storytelling executives,” you’ll also have unlimited vacation time and full benefits.

To be eligible, you must live in the Eastern time zone.  

3. Impressive Administrative Assistant

Clevertech, an app developer, is seeking a “fun” and tech-savvy “go-getter” of an administrative assistant.

You must do well with deadlines and complex projects, and be willing to work from 9 a.m. to 5 p.m. EST.

4. People Operations Coordinator

Are you a people person?

GitLab needs a people operations coordinator, which, in non-startup terms, is a human resources assistant.

You’ll earn $45,000-$60,000 per year, in addition to benefits like unlimited vacation!

Remote Content Jobs

Got a way with words? Or social media?

If you’re not interested in going freelance or starting your own biz, take a look at these jobs.

5. Content Specialist

Are you a “forward-leaning marketing content specialist who wants to reach an established global audience”? Can you write “exceptionally well”?

Then tech company Aha! is looking for someone like you.

6. Assistant Editor

Have you heard of The Cheat Sheet?

It’s a “set of time-saving cheats/guides to everything modern men want, need, and ought to know,” and the company is hiring an assistant editor.

You’ll need a bachelor’s degree (or equivalent experience), plus a background in editing.

7. Marketing Specialist

MonetizeMore, an ad-optimization company, is looking for a digital marketing specialist who is “content-marketing savvy,” and has experience with PR, writing and social media.

This company’s mantra is “stay hungry, stay grounded,” which it encourages through results-based incentives, surprise bonuses and fast-track promotions.

8. Social Media Manager

Finally, an excuse to hang on Facebook all day!

Toptal connects freelance designers and developers with clients worldwide — and wants someone to be the public voice of its company.

You must be active on social media and have “lots of initiative and creativity.”

Remote Customer Service Jobs

If you enjoy working with people, there are tons of work-from-home opportunities available for you.

If, on the other hand, the thought of a customer service role makes you shudder, we have a whole list of jobs just for you.

9. Customer Support Rep

InVision, which calls itself “the world’s leading design collaboration platform,” is looking for a customer support rep with weekend availability.

You must have excellent communication skills, be technically-savvy and reside in the Mountain or Pacific time zone.   

The job also comes with some sweet perks: In addition to your salary and benefits, the company will pay for membership at a gym of your choice, plus UNLIMITED Starbucks cards and books from Amazon.

10. 401K Audit Team Member

Accounting firm Summit CPA needs someone to help with its 401(k) audits.  

“Extensive experience with Excel” and the ability to work in a team and under pressure are required.

Oh, and how could I forget? You get Fridays off during the company’s off-peak season of November through April!

11. Customer Support Representative

Big Universe is an education technology company used in 30 countries.

It’s looking for a customer support representative to “keep customers happy” and “drive usage of our subscription-based product.” You need a bachelor’s degree to be eligible.

12. Online Ticket Agent

Are you always going to concerts or events? Get paid for your knowledge with this ticket sales position listed by WorkingSolutions.

You’ll need to work at least 20 hours per week, with some weekend hours expected. Pay ranges from $12-$18 per hour.  

13. Confidently Humble P/T Support Rep

If you’re a Penny Hoarder reader, hopefully you’re passionate about personal finance. So why not work for You Need a Budget as a customer support rep?

After a paid trial period of eight weeks, you’ll earn $13-$17 per hour and work a set schedule of 20 hours per week.

Remote Tech Jobs

We know, we know; tech is hot. Coding universities and bootcamps and internships are all the rage.

But if you don’t want to go back to school, you can still snag some technically inclined work-from-home jobs.

14. Cable/Internet Technical Support and Sales

Are you always helping people with their computer or television issues? Then this full-time cable/internet support position from Sutherland Global Solutions is perfect for you.

You’ll take inbound calls from customers — and be eligible for performance bonuses!

15. Help Desk Analyst

Make a difference by working at TNTP, a national nonprofit that “helps school systems end educational inequality.”

As a help desk analyst, you’ll troubleshoot technical issues for customers and staff. Though the position is remote, you’ll be given preference if you can work from noon to 8 p.m. EST.

P.S. This company has many positions available for educators, as well!

16. Happiness Engineer

Who wouldn’t want the title of happiness engineer?

For this position with Automattic, the company that built WordPress, you need a “working knowledge” of WordPress, HTML and CSS, as well as a “passion for solving tough problems.”

Didn’t find what you were looking for? Here are a few resources that should help:

Happy hunting!

Your Turn: Will you apply for any of these positions?

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.

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10 Tweets That Perfectly Illustrate Just How Expensive It is to Have Kids

If you have kids, you’ve probably burned quite a few holes into your wallet.

In fact, the cost of raising a child is about $245,340, according to U.S. Department of Agriculture estimates. And that’s just one.

Ouch.

We’re all about cutting costs where you can, but everyone with kids knows they can be expensive — no matter what you do.

These people feel your pain…

1. Kids are bottomless pits that eat a month’s worth of groceries in one sitting

Is stuffing that many raviolis into one stomach actually possible?

2. They love to rack up IOUs at your local grocery store

Wait. At 69 cents per pound, that’s a lot of bananas!

3. They insist you purchase movies they’ll soon outgrow

And you’ll never let it go

4. They have no idea what an electricity bill is

This mom’s probably in great shape, though.

5. Or that cold air costs money,

When one door closes, the rest open.

6. They force you to make tough financial decisions

#Priorities, Ben.

7. They remind you they’re the gift that just keeps on

I hope her daughter applied for some scholarships.

8. By the time December rolls around, they’ve already sucked you dry

Maybe next year she’ll start saving early.

9. They know how to show their

I don’t know. Can you?

10. And they thank you in ways you never imagined possible

This mom should’ve Netflix’d and earned.

Your turn: What lovable things do your little ones do to add to your financial strain?

Kelly Smith also contributed to this post. Kelly is an editorial intern at The Penny Hoarder.

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

The post 10 Tweets That Perfectly Illustrate Just How Expensive It is to Have Kids appeared first on The Penny Hoarder.



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The European property price league table

Obviously football is coming home this year. With Vardy and Kane set to bang in the goals as though their lives depend on it, it’s a given.

Obviously football is coming home this year. With Vardy and Kane set to bang in the goals as though their lives depend on it, it’s a given.

But while glorious England will sit at the top of the table come 10 July, how does this Sceptred Isle’s capital city compare with its European neighbours’ capital cities when it comes to property prices?

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Metro Bank named Most Trusted Financial Provider of 2016

Metro Bank has been voted Most Trusted Financial Provider by the biggest survey of financial services customers in Britain.

Metro Bank has been voted Most Trusted Financial Provider by the biggest survey of financial services customers in Britain.

Moneywise revealed the winners of its 2016 Customer Service Awards – in which more than 24,000 people voted – at a glittering ceremony in London’s West End on 9 June 2016.

read more



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You Can Do It: How to Balance Your Side Hustle With Your Full-Time Job

You wake up early to write and stay up late to tame your inbox.

You draft blog posts during lunch and spend sunny Saturdays grinding away on your passion project.

Oh, yeah. And you have a full-time job.

You, my friend, are rocking a side hustle.

The side hustle, or side gig, has risen in popularity over the last several years. Maintaining a full-time job while pursuing a passion on the side offers the best of both worlds.

You get the comfort and security of a steady paycheck and benefits, along with the excitement and endless opportunity to do what you love and make extra money on the side.

It’s not easy to balance it all — but with a strategy in place, you can do it.

For three years, I built a successful blog and communications business, saving more than $40,000 in side hustle income, all while working as communications manager for a tourism office.

Use these four tips to excel at your job, grow a thriving side business and still find time for a little fun in your life.

1. Wake Up Earlier

Side gig

I know, I know. You can’t wake up earlier. You like to work at night.

I’ve been there. A former night owl, I cringed at the thought of a 5 a.m. alarm.

However, after months of coming home from work drained after a long day and completely unable to write, I knew I had to find another pocket of time to pursue my side hustle.

After all, not being able to write meant turning down potential writing clients, losing potential extra income and missing opportunities to grow my own blog and brand.

I slowly made the effort to set my alarm a little bit earlier each day. Within a few months, I was waking up at 5 a.m. and earned myself two full hours of side hustle time I’d never considered.

This two-hour pocket of time felt like a gift.

It allowed me to say yes to lucrative writing opportunities — like a regular magazine assignment. These often allowed me to make nearly $1,000 per quarter for just a few hours’ work a couple of mornings the month my assignments were due.

Best of all, getting my writing done in the morning left my evenings free to pursue other passions, like running, yoga or even happy hour.

Still not convinced?

When you wake up in the morning, you’re well-rested and energized. In the early hours of the day, there’s less of a chance of being bothered by the incessant pinging of your inbox or social media notifications.

You have clear, uninterrupted time to get work done.

Don’t you want to give the best and most focused hours of your day to the projects you’re most excited about?

2. Focus and Prioritize

Side gig

Often, when you rock a side hustle, you have limited weekday hours to dedicate to your craft.

If you only have one or two hours each day, know exactly what you hope to accomplish during that work session before you sit down. It’s easy to procrastinate or multitask when you don’t have a clear goal in mind.

If you rock your side hustle in the morning, set your goal the night before. Say it out loud or write it down somewhere.

If you work on your side hustle in the evening, set your intention in the morning. That way, when you wake up or get home from work, you know exactly what you’re going to do and can get started right away — without needing to think too hard about it.

Similarly, be realistic about how much work you can get done in one sitting.

For example, when I was side hustling, I knew I could only write one blog post each morning. This helped me plan ahead to make sure I prioritized my work accordingly.

3. Use Your Limited Time to Your Advantage

Side gig

One thing I quickly realized after I took my side hustle full time in February is I actually was more productive while working a full-time job.

Why is that? A little thing called Parkinson’s Law. This is the idea that work expands to fill the time available for its completion.

If I have one hour to complete a project, I’ll get it done within the hour. If I have eight hours to complete a project, you can bet I’m going to take the maximum amount of time available to complete it. It’s just how our brains work.

Use your limited amount of time to your advantage to get more done in the long term.

If you’re a writer who can produce one article in an hour and you have five extra hours in a week, you have the opportunity to earn an extra $375 a week.

Stop thinking of your limited amount of time to work as an excuse. Instead, think of it as an amazing benefit, helping you to be more productive and actually get more done.

4. Leverage Your Day Job to Get Better at Your Side Hustle

Side gig

If you’re maintaining a full-time job while working a side hustle, you bring the skills you learn in the office to your own business.

Before I started my full-time public relations job, I knew little about email marketing. But with the skills I picked up at work, I created my own 1,400-person strong email community.

Another awesome benefit?

Most full-time jobs pay for professional development like conferences, courses and trainings. Consider these FREE opportunities to educate yourself — and potentially grow your side hustle with your new skills — on your company’s time and dime.

On the flip side, think about all the skills you’re picking up and sharpening as you develop your side gig, whether it’s blogging, SEO, design or social media. Not only are you honing your professional skills for your business, you can also bring these to your full-time job and look good at work.

As a bonus, getting better at your full-time job only helps you move up the ladder and earn raises.

Where Could Your Side Hustle Take You?

While the grind of working a day job and side hustle may feel challenging at times, just remember you’re working toward a bigger goal.

If you’re like me and your dream is to one day quit your job to take your hustle full time, freelancing on the side is a natural step to make it happen.

The $40,000 I saved during my three years of side hustling served as a cushion to give me the confidence to finally make the leap into running my own business. Knowing I had a significant amount of money in the bank gave me the freedom and flexibility to say, “I can do this.”

With a little bit of strategy and time management, you really can have it all — a successful side hustle, a fulfilling day job and a thriving personal life.

Your Turn: Do you have a side hustle and a full-time job? What tips would you add to this list? Share them in the comments below.

After six years in the corporate PR world, Jessica Lawlor left her job to run her own communications agency, blog/brand and teach yoga. She is a writer and blogs about getting gutsy: stepping outside your comfort zone to reach your goals and live a life that makes you truly happy.

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5 Flexible Online Summer Jobs for Teachers

By Ashlee Anderson After the final bell rings on the last day of school, signaling the start of summer, teachers get a much-needed break from the hustle and bustle of the school year. The Monday through Friday routine is temporarily put on hold for the next 60+ days, as educators and students alike enjoy their […]

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الخميس، 9 يونيو 2016

Airbnb is Giving Away a FREE Trip to Australia’s Great Barrier Reef

Oh, man.

Don’t tell my boss, but I’m pretty sure I’m only working a half day today.

I’ve got something way more important to write about than free pizza.

That’s because an amazing contest is going on right now, and one lucky winner will get to stay on Australia’s Great Barrier Reef for a night — totally free.

And I do mean on the reef: If you win the trip, your accommodation will actually float.

Win a Free Trip to the Great Barrier Reef

Airbnb is offering this once-in-a-lifetime trip to a lucky family of four, just in time for the release of Pixar’s much-anticipated “Finding Dory,” which takes place on the Great Barrier Reef.

If you win, you’ll be sleeping right above Dory herself in a beautiful floating apartment for one unforgettable night (July 13).

You’ll also get to scuba dive the famous reef with a marine biologist and your host, Pascal, as well as nosh on a private beach lunch, featuring local ingredients cooked by celebrity chef Neil Perry.

Even better? All your transportation is free: You’ll fly into and out of Cairns, Australia, where you’ll stay in another Airbnb accommodation on the evenings of July 12 and 14.

The prize is valued at about $30,000 — to say nothing of the value of the experience.

The Great Barrier Reef is home to a baffling number of species of fish, whales, sharks, coral and molluscs, and considered one of the seven natural wonders of the world!

Just make sure you follow the house rules, which stipulate you must “speak like a whale,” “protect the anemones” and “try to find the giant clam.”

Oh, and “no clownfish jokes.” Obviously.

How to Enter This Incredible Contest

Already reaching for your suitcase and swim goggles?

Here’s the fun part: It’s an essay contest. And it’s incredibly simple to enter.

Just log into AirBnB, navigate to the listing, click “Enter to Win” and answer the following question: “Tell us a little about yourself and why you and 3 guests belong on the Great Barrier Reef.”

Seems like it’d be hard not to write about, am I right? Talk about daydreaming.

But keep your wits about you — the winner will be chosen based on this essay. The listing specifies the following criteria for a winning piece:

  • Originality and creativity of the submitted story. Does it surprise and delight us?
  • Spirit of the submission. How does your submission answer the question about why you and 3 guests belong on the Great Barrier Reef?

Plus, you only have 500 characters to make your case — or 300 if you’re writing in Chinese, Japanese or Korean. And despite our high school complaints about word counts, brevity is way harder than it seems.

So, yeah, that’s probably what I’m working on today. Sorry, team!

A panel of judges will choose the winner on July 4, who will be notified via phone and email within 24 hours. If you’re chosen, be sure to pick up the phone: Winners forfeit the prize if they don’t respond within 24 hours of notification.

You also need to be 21 years old to enter.

Keep in mind the prize doesn’t include visa fees, meals (other than the one included in the prize) or any other expenses. Check out the listing for the full rules — and, of course, to submit your essay. Or just to drool over the pictures of the apartment.

The contest runs June 9-30, so you have plenty of time to craft a perfect pitch. So if you want to compete with me, get cracking. But be warned — I am a professional. :)

Your Turn: Will you enter to win this insane Airbnb trip?

Jamie Cattanach is a staff writer at The Penny Hoarder. Her writing has also been featured at DMQ Review, Hinchas de Poesia and elsewhere. Feel free to reach out to her on Twitter: @jamiecattanach

The post Airbnb is Giving Away a FREE Trip to Australia’s Great Barrier Reef appeared first on The Penny Hoarder.



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How I Wear Killer Designer Dresses to Weddings (Without Spending a Fortune)

Love is in the air!

And as a hopeless romantic, I couldn’t be happier about it.

But, with six weddings to attend this summer, my bank account is not quite as stoked.

As much as I hate spending money on clothes I’ll only wear once, I really love showing up to such joyous (and well-photographed) events in a killer new dress.

Which is why I’m absolutely obsessed with Rent the Runway, a site that lets you rent designer dresses at a fraction of their cost. (Think: a $725 dress for $40.)

Though I think membership is valuable year-round, it’s especially wonderful during wedding season.

Here’s what you need to know…

Say Hi to Rent the Runway, My Secret Weapon

That's me, in the red!

That’s me, in the red!

On Rent the Runway (RTR), you can rent thousands of dresses from more than 300 well-known designers.

Here are four reasons it’s become my go-to for formalwear:

1. You Can Quickly Filter Results

RTR’s powerful search function allows you to only browse dresses you can afford.

I usually set the max price to $40 (for a four-day rental) and still get plenty of results.

You can further filter your results with 11 different categories, including formality, occasion, length, body type and other factors.

Since you can fine-tune your search until only a limited number of dresses appear, it’s perfect for people like me who hate both shopping and making decisions.

2. The Reviews are Super Helpful

You can sort reviews and photos by body size, so you can see the dresses on people who actually look like you — not some 5-foot-10, only-eats-liquids model.

And just in case you get your size wrong, RTR sends a free backup size with each order.

susan3

3. Shipping and Insurance are Easy

Shipping for a rented dress costs $9.95 both ways, plus $5 for insurance for stains and tears.

Or, if you’re a PRO member like me — which costs $29.95 per year — shipping and insurance are included.

With PRO membership, you also get a $50 rental credit during your birthday month.

4. It Offers a “Love Your Look Promise”

In my two years using the site, I’ve experienced nothing but amazing customer service.

RTR reps are quick and eager to help. For example, if you don’t like your dress, they overnight you another style (or several) at no extra cost.

Though renting a dress for $40 may sound expensive when compared to buying something off the sale rack for $20, remember: These are designer dresses.

Most of the dresses I’ve rented are worth $300 to $600 or more — and look like it.

The fit, quality, the way they make me feel; to me, it’s absolutely been worth it.

Want to learn more? Click here and use code FIRSTRTR20P to get 20% off your first order!

Your Turn: Have you ever used Rent the Runway?

Disclosure: Some of the links in this post are affiliate links. We would have shared them with you anyway, but a true “penny hoarder” would be a fool not to take the company’s money. :)

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 I Wear Killer Designer Dresses to Weddings (Without Spending a Fortune) appeared first on The Penny Hoarder.



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Shoppers in London can now order fresh food from Amazon

Shoppers in 69 Central and East London postcodes can now order their grocery shopping from Amazon, as the e-tailer has launched ‘AmazonFresh’.

Shoppers in 69 Central and East London postcodes can now order their grocery shopping from Amazon, as the e-tailer has launched ‘AmazonFresh’.

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Head to Sam’s Club This Saturday for a Free Health Screening

Want to save money on health care for your family?

Sam’s Club is offering free health screenings on Saturday, June 11 — no membership required!

A health screening is a series of tests to check your overall health and catch potential diseases or conditions early, before you show symptoms.

While the Sam’s Club screening doesn’t replace professional medical care or treatment, it can help you catch signs of bad health while they’re easier — and cheaper — to treat.

How to Get a Free Health Screening

Go to your local Sam’s Club with a pharmacy this Saturday between 11 a.m. and 4 p.m. to receive the following tests for free:

  • Glucose
  • Total cholesterol
  • HDL (“good cholesterol”)
  • Risk ratio
  • Blood pressure
  • Body fat percentage
  • Hearing
  • Vision screening/testing may also be available at clubs with an optical center.

Screening types and quantities may vary by location, so check with your local Sam’s Club to see what’s available before heading in.

Sam’s Club offers these screenings periodically throughout the year, so if you don’t make it out on Saturday, watch the website for future offers.

If your screening reveals a condition you need to treat, read our posts on ways to save money on dental care, eyeglasses and medical bills.

Want more ways to get the most out of Sam’s Club or Costco? Read our list of 10 things that are way cheaper with a membership.

Your Turn: What tricks have you found for saving money on preventative health care?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, “Writer’s Digest” and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

The post Head to Sam’s Club This Saturday for a Free Health Screening appeared first on The Penny Hoarder.



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Twelve Things to Do When You’re Feeling Awful

Some days, I wake up and I absolutely don’t feel like working or doing much of anything. I feel like curling up in a ball and staying in bed for a while longer, or maybe even all day.

It doesn’t happen real often, but when it does, it can hit me like a sledgehammer. I wake up feeling terrible.

There are a lot of reasons for that feeling, of course. Maybe I have a minor cold or a gastrointestinal issue. Maybe I got a terrible night of sleep. Maybe, for some reason, my brain chemistry is a little off and I’m feeling melancholic. Maybe I’m just unhappy with some elements of my life right now.

My reaction to all of those things is to hide in bed all day, napping and perhaps reading a magazine. That’s fine, of course, but then there’s a counterreaction.

I’m a productive person, and like other productive people, this kind of downtime is incredibly frustrating. I don’t like feeling awful, but I really don’t like sitting around trying to feel better, either. It’s really a double-edged sword.

Thus, I have a strong personal interest in figuring out ways to not feel awful so that I can get back to being at least somewhat close to my normal productive self. I’ve tried all kinds of things over the years, from buying supplements to “rewarding” myself in some fashion. Some things work. Some don’t. This article contains twelve things that consistently work for me.

The most important thing of all regarding feeling awful is this: it’s normal to not feel so great sometimes, but if that feeling persists over several days, you should see a doctor. These strategies are good for fighting off melancholy, minor illnesses, poor rest, and other such things that can be fixed relatively easily.

Why Does This Matter in Terms of Personal Finance?

So, why am I writing about this on a personal finance website? The big reason is that I consider personal well-being to be a key part of financial success. Here are several major reasons for that.

You’re less productive, which over time damages your income. If you’re not feeling well, for whatever reason, you’re going to be less productive than if you’re feeling good. You’re going to be less focused on your work and somewhat less motivated to complete the task you’re working on. Over time, that means a decline in productivity at your job, which means that you’re less likely to receive raises and more likely to see a pink slip if downsizing occurs.

You’re more apt to make bad money decisions when you don’t feel well. If you’re not feeling well, it actually becomes easier to talk yourself into things that you think will make you feel happier and better in the short term. Impulse buys seem more appealing, as does junk food and other things that might bring you a burst of pleasure in the short term but don’t really help over the longer term.

You tend to be in a worse mood when you don’t feel well, which clouds your interactions with others. If you’re not feeling well, you’re likely to have less positive interactions with the people around you which, over time, can degrade those relationships. This can be financially damaging in a professional relationship but can also have a subtle negative effect on personal relationships, too.

To put it in simplest terms, feeling awful not only doesn’t feel good, but it can actually cost you money.

Key Principles

My solutions for this conundrum revolve around a handful of key principles.

It shouldn’t cost much money. The best solution for not feeling well, whether it’s an ailment or a bad mood or something else, is that it shouldn’t cost much money (unless it turns out to be a medical issue). Throwing money at lifting your mood or your physical sense of well being – at least at first – is a fool’s game that won’t help things over the long run.

It should feel accessible, no matter how awful I feel. My strategies for feeling better don’t involve things that are difficult to do at a given moment. You shouldn’t have to reroute major aspects of your life to lift your mood or your immediate physical sense of well being.

Most tactics should be able to be accomplished anywhere. I’m basically able to do all of these things while at home. I was able to do most of these things when I worked in an office environment, too. I can do most of these things when I’m traveling or on vacation or even while waiting for an appointment.

Let’s get on with the strategies, shall we?

Twelve Things I Do When I Feel Awful

These strategies work consistently for me no matter whether my sense of feeling awful is due to a physical ailment or a sense of melancholy. They’re also directly in line with the principles above. I hope they help you with your moments of feeling awful, too.

I take a shower and brush my teeth. The simple process of getting my body clean seems to consistently put me in a better mood and a better frame of mind.

For me personally, a long shower in which I really scrub my body all over tends to work the best. I try to give every square inch of my body a scrubbing so that my skin all over gets that “tingly” feeling that you get after a good scrubbing.

Similarly, I find that brushing my teeth for a long while – three to five minutes – has a stronger effect on my sense of happiness and well-being than a very brief brushing. In fact, I often set a timer for this or else listen to a song that has an appropriate length.

I change clothes. This usually goes hand in hand with taking a shower, of course, but sometimes this works separately as a smaller step if I’m really feeling in the doldrums or if there is something else preventing a shower in the moment (such as a pressing deadline).

The mere process of getting up and putting on fresh clothes can often trigger a sense in my head that I need to start doing something different today, that simply lounging in bed and feeling bad is not cutting it.

Fresh clothes also tend to smell different – and usually far better – than the clothes I likely slept in the night before. Putting them on shifts my mindset by altering the smells of the environment I’m in, usually in a very good way.

I eat a healthy meal – usually raw fruits and vegetables. I’ll be the last person to dictate exactly what “healthy” means for each and every person, but I find that for me personally, a meal that consists almost entirely of fruits and vegetables tends to leave me feeling better and happier than before.

I personally enjoy eating an apple or a banana and a bowl full of baby carrots when I’m not feeling the best. It’s very simple food that doesn’t feel like lead in my stomach and usually provides some steady energy for a while after eating it.

I go outside for a while. There are a lot of health benefits to being exposed to the sun in moderation, most notably the effect on serotonin production in the brain and the vitamin D production that occurs when your skin is exposed to sunlight. Both of those things can make you feel better.

For me, it’s more than just those straightforward biochemical things. Being outside means being exposed to fresh air and new smells. It means having the freedom to move and explore in pretty much any direction I so choose. It means that my body is moving around much more than it would inside the house.

Going outside provides all of those things at once. Spending some time outside doing something – anything – provides all of those things in abundance.

I get some mild exercise that involves a little bit of stretching. Mild exercise elevates your heart rate and produces more biochemical reactions in your body than you could possibly count. The net effect of those reactions is a sense of well being, a sense that you’re using your body in a positive and productive manner. And that usually feels good.

Personally, I find that stretching my body goes a long way towards producing many of the positive feelings and effects of exercise. I use a healthy stretching routine before I do much of anything physical, including at the start of the day.

Beware, however, that overdoing it can have a negative impact on how you feel. There’s no reason to go out there and kill yourself. While there is a role for intense exercise, it is generally most beneficial in terms of producing long term positive results and it often doesn’t really help in terms of improving one’s mood or state of mind or physical sense of well-being in the short term.

I find that I get a great deal of personal enjoyment out of combining outdoors time with mild exercise by going to a nearby state park and wandering around on the trails. Walking along wonderful nature trails, enjoying mild uphill and downhill trail walking, and simply enjoying the natural world and the sense of my body at mild work is a powerful tool for lifting my mood and sense of well being.

I learn something new. The simple process of seeking out information on a subject that I’m curious about and then stretching my mind to incorporate that new knowledge into my understanding of the world surprisingly does quite a lot to raise my mood. I walk away feeling this mix of mental refreshment as well as a sense of understanding the world better.

I often keep a list of topics that I’d like to find out more about and when I have a chance, I go through that list, looking up the Wikipedia entry on that topic as a starting point and often heading off to the linked sources to learn more.

This simple act of exercising curiosity and improving my understanding of the world makes me simply feel better about myself and the world around me.

I think about the one fun thing I’ve been wanting to do and then I devote an hour or two to just that thing. Usually, there are a handful of enjoyable things that I’ve been thinking of doing lately. Maybe I’ve been thinking about spending time reading a well-loved book. Maybe I’ve wanted to get out the pieces of a board game and learn how to play it. Whatever it is, I set aside some time – usually a couple of hours – and let myself do it, without worry.

Sometimes, I do have something else that I really need to do that’s hanging over my head. In that case, I might not necessarily choose this option first; instead, I’ll simply throw myself at that important task. However, there are times when I’m simply not making progress on that important task, so dialing back for a couple of hours can really make a positive difference for me and for the task I’m working on.

If I’m not under that kind of pressure and I’m just feeling out of sorts, simply doing something that I personally enjoy goes a long way towards improving my overall sense of well being.

I think of the one task that’s been bothering me the most and then I simply do it, no excuses. Often, there’s something that I need to take care of that’s hanging over my head. That stress tends to drag me down, reducing my mood and making me feel even worse.

The best approach to that problem that I’ve found is to simply tackle it head on. I sit down and simply take care of as much of the problem as I possibly can.

If it’s a personal problem, I don’t “deal with it” by spreading rumors or backstabbing people. I handle it directly with that person or else I try to figure out a way to make it a non-issue.

If it’s a project that needs to be completed, I take care of it myself or at least do as much as I possibly can so that the input from others can easily be fitted into place to finish off the project.

Often, it’s just a matter of sitting down and taking care of a straightforward task. Just doing it can relieve some real negative feelings and stress.

Whatever it is, I usually feel far better once I’ve invested the time and energy to actually tackle a problem instead of worrying about it.

I sing along with a song that I know the words to. Music has always had the incredible ability to take me mentally back to a particular place and time in my life. Most of the time, that past place and time is a good memory, a point in my life where I was happy with myself and with the world around me.

Often, by simply playing one of those songs that takes me back there, I feel better. I somehow mine the good feelings that come from that time and place and they bubble up to the forefront of my life right now, lifting my mood and making me feel good again.

I actually have a bookmarked folder with dozens of these songs on my computer. Among them are Wake Me Up Before You Go-Go by Wham! (reminds me of my childhood babysitter), Knights of Cydonia by Muse (reminds me of a really great road trip), Birdhouse in Your Soul by They Might Be Giants (early dates with my wife), and Screen Door by Uncle Tupelo (another great road trip).

I hang out with a trusted friend, often with the understanding that I’m not in the best situation. When I’m not feeling the best, sometimes I’ll call up one of my closest friends and just suggest that we do something together, but I’ll usually preface it with the fact that I’m not in the best situation at the moment.

The thing is, most of my closest friends really don’t care. I’ve been there for them when things weren’t perfect for them, so they’re often there for me when things aren’t perfect.

We’ll usually go do something that fulfills several of the ticks on this list. We might go to the park and play disc golf (exercise, outdoors) or simply play a game together. Whatever it is, it usually lifts my mood because a good friend tends to remind you of the best moments in life.

I go on a short road trip. I don’t mean that I travel somewhere, per se. What I do mean is that I’ll drive somewhere for the sole purpose of driving somewhere.

I’ll fill up my car with gas and drive somewhere for a while, going here and there on the backroads. I’ll listen to some of that joyful music on the radio that I mentioned earlier and simply look around at the things around me. I’ll see people in towns and cities living their lives. I’ll see vast quiet stretches of cornfields. Maybe I’ll see rain or maybe I’ll see sunshine.

It really doesn’t matter what I see. What it does is reminds me that I’m not really alone in this world, that in fact there’s so much to this world that I can’t possibly see it all or know it all. I don’t feel alone any more – I feel intrinsically a part of the broader world, and that feels really good to me.

Sure, this does eat up some fuel. It’s probably the most expensive thing on the list. Sometimes, however, it really does the trick. (And by “expensive” I mean that it costs maybe $20 in gas.)

I turn off all electronic distractions and spend time with my family. This is the thing I turn to the most often, and it’s probably the most effective thing on this entire list.

If I’m ever feeling down in the dumps or just not feeling really well, rather than getting lost in my cell phone or a gadget or something else, I turn it all off. Instead, I seek out my children and my wife. I ask them what they’re doing and do my best to get involved with it.

More than anything, I try to focus on the moment of that activity. Whatever it is we’re doing, I try to make that the centerpiece of my mind.

Doing this creates this great sense of togetherness and joy that I really don’t find anywhere else in my life.

Sure, there are times when my loved ones are busy or they’re doing things that I can’t really be involved with, and for those times I have lots of other options for making myself feel better when I’m awful. However, nothing really beats turning off my phone, getting out of bed, and doing something with my family. It’s even better if I take a shower first, put on some fresh clothes, and go outside with them.

Many bad days and awful feelings have been cured by playing backyard soccer with my children or going on a walk with my wife.

Final Thoughts

Not all of these strategies will work for you, or for anyone. They’re simply strategies that I use whenever I feel awful and don’t want to get out of bed, whether that feeling is caused by a minor illness or a downbeat mood. They don’t cost money. They don’t make the problem worse, like backstabbing or negative talk can do. They aren’t reliant on drugs or weird medicines, either. They might not make everything perfect, but they definitely help.

And, yes, there are times when they don’t help. When that happens, after a few days, a visit to the doctor is in order.

Still, these things remain my first line of defense for when I don’t feel well. I hope they’ll help you out, too, before a downbeat mood or a minor illness causes you to spend some money or have a bad day at work or a bad day with a person you care about.

Good luck.

The post Twelve Things to Do When You’re Feeling Awful appeared first on The Simple Dollar.



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For the Queen's 90th birthday: Four royal tax facts

The Queen is a lucky woman. Not only does she enjoy a fortune of £272m, but she also gets two birthdays a year! And this weekend will see the climax of months of events to celebrate her 90th.

The Queen is a lucky woman. Not only does she enjoy a fortune of £272m, but she also gets two birthdays a year! And this weekend will see the climax of months of events to celebrate her 90th.

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House price dip predicted for first time in four years

House prices in the UK will see a short-term drop over the next three months, according to a survey of property professionals. It is the first time since 2012 that chartered surveyors have predicted a fall in prices.

House prices in the UK will see a short-term drop over the next three months, according to a survey of property professionals. It is the first time since 2012 that chartered surveyors have predicted a fall in prices.

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