12 Money Hacks You Must Learn Now To Avoid Regret In 20 Years

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Stay Young and Flexible

Because when you are still young, moving will be much easier compared to when you are older or when you have to take into account your family or elderly family members. If you only limit yourself to jobs that are located nearby, you may miss out some of the best career opportunities. Always keep in mind that you are given the power to be flexible, especially when you are single. Even if at the end you cannot survive a high-paying job far away, there is always an option to return.

Saving More by Spending Less

Cut back on those daily cups of coffee lattes will hugely impact your long-term financial condition positively. That being said now may be the best time to list all of your unnecessary expensive habits and try to lose it one by one.

Study, study, study

This is practically true as people who spent their time longer in school by enrolling for a post graduate degree will most likely end up with a higher starting salary, and they are also most likely to be chosen for a higher position in the long run.

Own Your House

Paying off mortgage, although more expensive than rating, will increase your net worth by possibly hundreds of dollars per month, and this is way better than throwing all of your money out to pay rent. Over the next 10 years, the rent will be more expensive and by not owning the property where you live in, it will be harder for you to make payment for your rent.

Shop Smart for Your Car

Experts believe that the purchase price of your car should only be about 10% of your salary and not more. However, this will not help if 10% of your salary is spent on a used car that will require high maintenance. Therefore choose your vehicle wisely, or else if you do not need it that much it would be much more beneficial to put it into an investment.

Get Paid Realistically

Most fresh graduate who obtain a job offer never negotiates their starting salary because of several reasons. This is a major mistake, and it is very important to conduct a preliminary research to get a better picture of how much salary that you realistically deserve through discussions with your friends and colleagues. This can also be done by finding out and making comparison through a salary profile database website.

Get Dividends from Stocks

Stocks that pay dividends have proven to be outperforming other stocks with similarities. They are also less unstable in nature aside from the fact that they pay out real money. This makes it easier for them to be valuable during economic hardships. As years go by, the dividend payouts may be increased as well.

Buy Low, Sell High

Never ever buy stocks when the economy is good and the price is high. The perfect time to consider purchasing some stocks is the opposite, it is when Wall Street falls. Prepare yourself and keep a certain sum of money available for the next downturn, and while waiting you can opt for more flexible investments such as GICs which can be withdrawn at any given time.

Stocks Are Not For Emergencies

Do not make the mistake that common people tend to make: they purchase stocks when they have savings at the time when stocks are high. As their savings have all been spent to purchase stock, when there is an urgent need for extra cash they will sell their stocks at a very low point, causing them to make a very little amount of money in the stock market.

The Importance of an Insurance

Do not waste any more time to buy an insurance. Insurance for the young is extremely cheap, whereas delaying to get it once you’re older will make its price significantly more expensive. Do not wait out until there is a bad health diagnosis to buy one, because it will be difficult to get it for a good price.

Make Use of Matching Programs

It is a very often occurrence that a company gives out benefits package to its employees where it will match the employee’s contributions to things, for example a pension. In many cases, a low-interest loan may as well be offered to employees to maximize their contributions. Do your very best to max these benefits out, and you will double your money in no time.

Contribute To Your Tax-Deductible Accounts

Any dividends contained in an investment account, or capital gains from any stocks that go up will be free from tax until your retirement. However, when you retire, you can withdraw money from that retirement account and pay income tax on the money you obtain from those accounts. As these money will not be available until you are old enough to retire, small monthly automated deposits may be an option to consider.

5 Fun Ways to Make Money Online That You Should Try

We no longer live in a world where you must leave your house to work. You can do this staying in your comfortable sofa in your underwear. If you find this weird, you have probably never earned money online. Here are 5 ideas to check out especially if you want to take control over your time.

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Do you love to write?

There are many sites where you can find writing gigs. General job marketplaces like UpWork, Freelancer and Fiverr are a good place to start but you can also turn to more specialized sites that you can find easily on the internet through a simple Google search.

You can get into any genre that you like, be it fiction or non-fiction. There are plenty of people paying others to make short e-books and short fiction stories on different topics. If you are good at making ads, you can get paid for copywriting.

There is also hope for those who have no interest in writing but still type fast: you can be a transcriptionist. For both these jobs, all you need is an internet connection, a computer and a quiet place to write.

Are you the artist type?

There is a site called Etsy where people sell antiques and homemade products. If you have the talent to make beautiful jewelry, clothes, cards etc., you can make money while doing what you love. You must first see for how much people are selling their products on Etsy and then set a competitive price for your own. Successful sellers are fully committed to their job. If you are considering this just a hobby, you will never reach a point where you can live out of this.

Do you like talking to people?

Call centers may seem dull and boring because you have to keep repeating the same thing over and over again, but this is not necessarily true. People who call the customer help line may have complex problems that require a wide range of abilities.

First, you need good interpersonal skills to make the customer see that your purpose is to solve his problem. You also need good organizational skills and fast thinking in order to understand what the problem is. Many customers don’t exactly know why they are calling and it’s up to you to discover this. Multitasking abilities are great because call center employees may have to juggle several calls at a time.

This job is paid for about $9 per hour. Be careful not to get into scams and to verify the legitimacy of the employer. The most popular call center companies are Alpine Access and Call Center Careers. In order to work from home, you need a few things. To begin with, call center agents need a PC and a good pair of earphones. Your internet connection should be fast and you must have a landline telephone if you want to apply to such a job.

How good are you at convincing people to buy stuff?

You can make money with AdSense, YouTube videos, Facebook posts and the old fashioned blogging. You need a bit of inspiration for the last one and a lot of knowledge to promote other people’s business over social networks.

You can manage their AdSense campaign or you can start one of your own for a blog that you own. If you don’t have stage freight you can make how-to videos or funny clips that go viral on YouTube and earn money.

What skills do you have?

If you are good in any field you can teach classes online through Skype. For example, people fluent in Korean can teach this language to people all over the world. You could also upload the videos to YouTube and drive traffic toward them. You can compete in online games for cash prizes or you can develop apps. Find your skills and put them to use!

7 Amazing Benefits of Coloring for Adults

7 Amazing Benefits of Coloring for Adults

You may think that you are reading this wrong, but there are actually benefits which you will obtain by sitting down and color the pages of the old fashioned coloring book.

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If you do not believe it, here are seven of them:

Expressing Yourself

Coloring is highly individual, and therefore it is an amazing way to express yourself. Without you realizing it, you invent something that did not exist before using only the powers of your own mind. Another person will create a different picture by the selection of different colors and different techniques; therefore, coloring represents your unique taste and mind.

Focus and Attention Conditioning

Coloring is not something that you can multitask on. Even though it definitely is not very difficult and hard to do, coloring demands your focus and attention while you are engaged in the picture. This is great to train your focus and attention. By focusing on putting colors in the picture, you will be able to forget all your troubles at work and be able to be relaxed even though just for a bit. It is also a marvelous escape gateway which will take you away from all your daily tasks and technological distractions for a while.

Homemade Home Decor

Because anyone can buy that beautiful painting in Ikea. However, no one will be able to produce the same set of colored picture as you have. Therefore, you may consider to print out a beautiful black and white picture for you to color and showcase as a beautiful homemade home decor that you can be proud of.

Instant Superhero

When your children see that you are able to color a picture neatly and beautifully, you will instantly become a superhero in their eyes. The simplest task of coloring a picture can be stress relieving as well as creating a family bond without the interference of gadgets and social media, which is honestly hard to get these days. If you do not have any child on your own, you can go to the local orphanage and assist them in their coloring activities, and you too, can become a superhero.

Make Money

When you are that good in coloring, you may actually make real money by selling all your colored pictures. You can sell it online through the online selling websites or to people that you know personally. It does not even matter if you cannot draw, because you are an incredibly talented coloring artist. You can get other people to draw pictures for you to color, and you can divide the profits made by half each.

Motor Skills Training

As previously mentioned before, coloring definitely requires undivided amount of focus and attention. In spite of this, you do not realize that when you focus on the paper mentally, you will use up the sense of your sight which will work hand in hand with your motor skills. This requires an intricate process in the brain, which is proven to delay or prevent dementia in the elderly.

Stress Reliever

You will be able fly to the land of colorful imagination and rainbow hues, leaving all your problems and worries behind with a crayon or colored pencil as your tool. Besides being a great meditative activity for letting your mind to take a break while being engaged in the colors, coloring has also been proven to reduce the overall stress level of an individual. Coloring also benefits a person by reducing its overreaction in various stressful situations in the future.

3 Hidden Costs Of A New Home And How You Can Avoid Them

You will never find a person in his right mind who would say the purchasing a house is cheap or inexpensive. In truth and in fact, it is really one of the expensive things that a person can purchase in his lifetime. Last year, the average sale price of a single house would normally cost $311,400. This amount is not just a mere drop in the bucket for most, if the homeowners since some of the new homebuyers would tend to spend up to $7,400 for the first two years.

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The National Home Buyers Association (HAHB) found out that house purchases have ripple effects and lets the new homeowners shed out a lot of money compared to the average. Below are the common hidden costs, which help increase the purchases of every homeowner.

Resist On Purchasing Brand New Appliances

You need to resist buying new systems or appliances when you get a new home since you still have to consider a lot of bills that will come your way. Instead of buying these new appliances, you can just use your old ones and fix it if you can.

No To Remodeling Projects

When purchasing a house, you do not have to undertake a remodeling project immediately or in that instant. One of the best parts of moving to your own house is that you no longer have the need to worry about the do’s and Don’ts that your landlord is dictating every single day. It would also mean that you have to be more responsible than the usual since you have to maintain the cleanliness of your home.

Maintenance will always be in the picture. Your appliances may break down as you know it, your bills will haunt you, and other systems may fail. However, you need to remember that everything will be worthwhile in the end. Based on the US News, new homeowners will have to spend around 1% up to 4% of their house’s value every year when it comes to the maintenance costs.

If you want to save money, what you must do first is to resist on remodeling your house within your first year or more. You can also look into a home warranty to defray your expenses since it will cover most of the appliances and systems you have at home.

No More Unnecessary Furniture

Bear in mind that you do not have to buy a lot of pieces of furniture to fill up the space of your home. You need to save your money for more important things rather than spending it on furniture that will decrease your home space.

According to the Bureau of Labor Statistics, NAHB, and based on the Consumer Expenditure Survey, the new homeowners would spend about $5,025 simply on purchases of new furnishings. It can never be denied that a lot of their savings or money is spent on unnecessary bedroom furnishings, most especially on the mattresses. These new homeowners would outspend the existing homeowners 6 times the rate. Although it may sometimes be logical to buy a lot of bedroom or living room furnishings because of the additional family members during the holidays, it is still impractical to purchase a lot of furnishings when in then end it is not being used constantly.

Aside from mattresses, another big ticket that some of the new homeowners buy is a sofa or couch. They can spend around $746 or more just for a single couch. You should always remember that when you purchase a home, you don’t have to feel that you have the obligation or need to purchase brand new furniture. You can just use your old furnishings to save some money. It is even better not to overcrowd your home space so that you will still be able to decorate and rearrange your furnishings as you deemed it to be.

12 Money Hacks You Must Learn Now To Avoid Regret In 20 Years

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Stay Young and Flexible

Because when you are still young, moving will be much easier compared to when you are older or when you have to take into account your family or elderly family members. If you only limit yourself to jobs that are located nearby, you may miss out some of the best career opportunities. Always keep in mind that you are given the power to be flexible, especially when you are single. Even if at the end you cannot survive a high-paying job far away, there is always an option to return.

Saving More by Spending Less

Cut back on those daily cups of coffee lattes will hugely impact your long-term financial condition positively. That being said now may be the best time to list all of your unnecessary expensive habits and try to lose it one by one.

Study, study, study

This is practically true as people who spent their time longer in school by enrolling for a post graduate degree will most likely end up with a higher starting salary, and they are also most likely to be chosen for a higher position in the long run.

Own Your House

Paying off mortgage, although more expensive than rating, will increase your net worth by possibly hundreds of dollars per month, and this is way better than throwing all of your money out to pay rent. Over the next 10 years, the rent will be more expensive and by not owning the property where you live in, it will be harder for you to make payment for your rent.

Shop Smart for Your Car

Experts believe that the purchase price of your car should only be about 10% of your salary and not more. However, this will not help if 10% of your salary is spent on a used car that will require high maintenance. Therefore choose your vehicle wisely, or else if you do not need it that much it would be much more beneficial to put it into an investment.

Get Paid Realistically

Most fresh graduate who obtain a job offer never negotiates their starting salary because of several reasons. This is a major mistake, and it is very important to conduct a preliminary research to get a better picture of how much salary that you realistically deserve through discussions with your friends and colleagues. This can also be done by finding out and making comparison through a salary profile database website.

Get Dividends from Stocks

Stocks that pay dividends have proven to be outperforming other stocks with similarities. They are also less unstable in nature aside from the fact that they pay out real money. This makes it easier for them to be valuable during economic hardships. As years go by, the dividend payouts may be increased as well.

Buy Low, Sell High

Never ever buy stocks when the economy is good and the price is high. The perfect time to consider purchasing some stocks is the opposite, it is when Wall Street falls. Prepare yourself and keep a certain sum of money available for the next downturn, and while waiting you can opt for more flexible investments such as GICs which can be withdrawn at any given time.

Stocks Are Not For Emergencies

Do not make the mistake that common people tend to make: they purchase stocks when they have savings at the time when stocks are high. As their savings have all been spent to purchase stock, when there is an urgent need for extra cash they will sell their stocks at a very low point, causing them to make a very little amount of money in the stock market.

The Importance of an Insurance

Do not waste any more time to buy an insurance. Insurance for the young is extremely cheap, whereas delaying to get it once you’re older will make its price significantly more expensive. Do not wait out until there is a bad health diagnosis to buy one, because it will be difficult to get it for a good price.

Make Use of Matching Programs

It is a very often occurrence that a company gives out benefits package to its employees where it will match the employee’s contributions to things, for example a pension. In many cases, a low-interest loan may as well be offered to employees to maximize their contributions. Do your very best to max these benefits out, and you will double your money in no time.

Contribute To Your Tax-Deductible Accounts

Any dividends contained in an investment account, or capital gains from any stocks that go up will be free from tax until your retirement. However, when you retire, you can withdraw money from that retirement account and pay income tax on the money you obtain from those accounts. As these money will not be available until you are old enough to retire, small monthly automated deposits may be an option to consider.

Watching Fish Can Boost Your Health, According To Researchers

Do you like fish? I’m not talking about eating them; I’m talking about watching them. According to a study conducted in Plymouth, United Kingdom, watching fish can have a therapeutic effect. So, next time you see your child in front of the fish tank staring at those little creatures, you should join him.

Other similar studies have been conducted in the past, but this is the only one that provides solid, incontestable evidence that watching fish has a positive impact on one’s health.

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What did the study involve?

Basically the team of experts took advantage of the fact that the National Marine Aquarium reconditioned a fish tank able to hold up to 550,000 liters.

The subjects involved in the study were split in three groups. The first one had to watch the empty aquarium (the tank was filled with water and artificial ornaments but no fish), the second group had to look at the fish tank after only half of the species were introduced, while the third group had to watch at the aquarium in its final state (fully stocked with fish).

The conclusions were the following: watching fish swimming around will improve one’s mood, enhance his ability to focus and will reduce heart rate. Next time you hear about old ladies having a bunch of goldfish all over the house, don’t laugh. They would probably live longer than many of your friends.

Now what?

Now that we are fully aware of how we can benefit mentally and physically from fish watching, it’s time to take action. Other studies indicate that the dimensions of the aquarium are not important. A few fish moving around in a small tank would do the job as well.

So what should you do? The first step is to place a small aquarium in your room. When you feel down or exhausted after working long hours at the office, staring at fish will relax your body and will also get you in good spirits. Because of the tiring modern style of living, the risk of developing cardiovascular problems is very high. Due to this fact, each one of us should seek to regulate the blood pressure and the heart rate by working out regularly, maintaining a balanced diet and performing stress relieving activities such as fish gazing.

Nowadays kids are obsessed with technology and prolonged exposure to electronic devices can be harmful for the eyes and brain. In case you have children, another advantage of opting for an aquarium is that you teach them how to be more responsible and you also keep them away from the computer.

Improving the workspace

We all know how stressful office environments are. Maybe you should try to convince your boss that it is time to make a few adjustments to the office design. Placing fish tanks is a great idea. Of course, most bosses would be reluctant to this suggestion, but the company can benefit a lot by implementing this measure.

First, productivity will rise exponentially. Employees tend to lose focus after a specific period of time so the efficiency decreases gradually throughout the day. Gazing at fish during breaks will make them regain alertness.

A tense atmosphere in the office is a great enemy and the main reason why most businesses fail to expand. Managers need to come up with solutions to defuse the tensions between the workers. In order not to end up having to mediate the existing conflicts between employees, a manager should instead do research on how to solve workplace-related issues. Investing in a fish tank resembling a natural underwater environment is definitely an option worth considering.

Foolproof Ways for Making Your Blog More Profitable

Blogging has blossomed over the last few years in a way that no one could ever have predicted. It seems anyone who’s anyone and their grandmother has a blog these days, about any topic you could possibly think of. However, for some it is less of a hobby and is a hope of building an appropriate source of income. If you want your blog to bring in more cash month after month, then why not try some of these simple tips and see the benefits they will bring?

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Copy Current Trends

First of all, if you’re struggling to provide regular blog posts and ideas, why not take a look at your competition? Do a little research, and see what topics are currently trending in your niche. Do some searches, check out popular blogs in your area of expertise. This will give you a good idea of what your readers are hungry for at this current time. Another great idea along the same lines is to set up a poll or two on your blog. This will give you direct feedback from your readers on what they like, and also what they would like to see.

Use Your Comments

A very important point: Use your comments! Read every single comment that is posted on your blog, and try to respond to every single one unless it’s blatant spam. Even criticism is useful at times, and replying and discussing with your readers will give you a better idea about your strengths, and also where you’re going wrong. Make a note on the posts that get particular praise and traffic, and try to follow up with similar topics.

Use Other Bloggers

There are probably thousands of other bloggers out there who are writing about the same topics that you are, so why not use them to your advantage? Invite guest bloggers to post on your site once in a while, and then hopefully they’ll return the favour, gaining you access to a whole pool of potential readers who will be interested in your blog posts. You could also use bloggers from a completely different area of expertise, to give your site a fresh approach and a break from the usual style and content.

Make Your Posts Readable

An obvious tip, but I’m amazed at the amount of blogs I see that are either written poorly or have a terrible layout. Use your whitespace, use subheadings, make it easily readable and also easy to skim over. Make your writing exciting, write conversationally as opposed to formally and edit your posts meticulously before you post. These are simple points that are easy and natural to implement but a sure fire way to lose potential readers and subscribers for good if done incorrectly.

Reward Readers and Spread the Word

Finally, the main thing you want is exposure and traffic. So why not host a monthly competition or quiz? There could be a prize for the winner, but in order to be eligible they have to share the post or the site on their social network profiles. You will instantly gain more exposure, and hopefully the possibility of a giveaway will attract new traffic to your blog. If nothing else, this approach will build a sense of community within your blog and make you seem more human and interactive.