Rihanna and Hassan Jameel Break Up: Look Back on Their Private Romance

Rihanna and Hassan Jameel Break Up: Look Back on Their Private Romance

Rihanna, Hassan JameelRihanna is single and ready to shine bright like a diamond!
Earlier today, E! News confirmed that the music superstar and boyfriend Hassan Jameel split after three years…

OpenSky® Secured Visa® Credit Card Review

The is a simple and straightforward card, that allows carholders to build credit by making on-time payments. There’s no credit check required — all that’s needed is a minimum refundable security deposit of at least $200, which determines your line of credit.
This card can help people with no credit history, such as students and young adults, build credit by making on-time payments. It can also help those with poor to fair credit increase their credit scores with responsible use.

Cardholders get access to online card management, as well as automatic payment set-up, so they can build up their credit with ease. While it does carry a small annual fee, this card has a lower variable APR compared to similar credit-building cards.

What we like about the OpenSky® Secured Visa® Credit Card

  • You could potentially get an initial credit line of up to $3,000, depending on your deposit. This is much higher than most secured credit cards.
  • You don’t need a debit card to fund your one-time deposit, while some other secured credit cards require a debit account for funding.
  • The OpenSky® Secured Visa® Credit Card works just like any Visa credit card. You can use it abroad for foreign transactions, access cash from ATMs with it and set up online management with automatic payment options.
  • You can get email alerts for reminders for due payments or when credits and returns have been posted.
  • You can add authorized users to the card for more credit-building opportunities.
  • The variable APR rate of 18.89% (variable) is more forgiving compared to higher rates typically found with secured credit cards.
  • The online presence of OpenSky® Secured Visa® Credit Card is focused on educating cardholders and helping them make wise credit decisions to build up their scores.
  • OpenSky® Secured Visa® Credit Card’s credit-building knowledge bank is vast and easy to understand, making the website a great resource for younger cardholders who are new to building credit. There’s also a supportive Facebook page with financial articles and resources.

Things to Consider

  • The annual fee of $35 may turn off cardholders who know they’re going to make on-time payments and can get a credit-building card with no annual fee. Cards that have a higher variable APR fee may not matter to cardholders who plan to make full, on-time payments.
  • The OpenSky® Secured Visa® Credit Card offers no rewards program, like cash back or travel perks.
  • While the Facebook page focuses on community, it’s also the only place where cardholders can review the card. If you don’t have Facebook but want to leave a review to help others, you’re out of luck.

OpenSky® Secured Visa® credit-building details

Those who are interested in the can apply in minutes in just four steps since there’s no credit check and no risk of having your credit report pulled to apply. The card’s high approval odds make it a solid tool for rebuilding credit by making on-time payments.

You choose a credit line and secure it by making a one-time, refundable deposit, from $200 to up to $3,000, subject to approval. You can fund the deposit with a debit card or go through Western Union or mail a check or money order.

Once you’re approved, your card usage is reported to all three major credit bureaus so you can build your credit. OpenSky® Secured Visa® Credit Card claims 99% of cardholders who started without a credit score were able to build a score in as few as six months.

As you use your account and make on-time payments, you’ll be offered opportunities to increase your credit line with no additional deposit. You can request a credit line increase at any time.

OpenSky® Secured Visa® Credit Card fees

The charges an annual fee of $35. The card’s annual fee is higher than some other credit cards focused on building credit, some of which require no annual fee. If you’d like a higher line of credit, the annual fee may be worth it with the OpenSky® Secured Visa® Credit Card.

Other fees for this card are fairly standard for secured credit cards. The foreign transaction fee is of each transaction in U.S. dollars. The cash advance fee is $6 or 5% of each cash advance, whichever is greater. Penalty fees are also standard. Late payment fees are up to $38, while returned payment fees are up to $25.

How does it compare to other credit-building cards?

If you’re looking for a credit-building credit card, you may want to compare the to other options. The OpenSky® Secured Visa® Credit Card is a great choice if you have more funds for your refundable security deposit and want to access a higher line of credit, with a low variable APR. But if you want to make a lower refundable deposit, don’t want to pay annual fees and want no foreign transaction fees, the is a better choice. If you’re looking for a secured credit card that enables you to earn cash back with no annual fee, the credit card is a fantastic option.

Card Purchase APR Annual Fee Intro Bonus Credit Needed Credit-Building Key Features
18.89% (variable) $35 None Bad
  • Get up to a $3,000 line of credit.
  • No credit check is required.
  • The card requires a one-time refundable deposit between $200-$3,000.
Capital One® Secured Mastercard® 26.74% (Variable) APR $0 None Limited, Bad
  • There are no foreign transaction fees.
  • Get travel accident insurance and warranty protection.
  • The card requires a one-time refundable deposit of $49, $99 or $200.
Discover it® Secured 24.49% Variable APR $0 Get all cash back you’ve earned at the end of your first year matched automatically. No Credit History
  • Get 2% cash back on restaurant and gas station on up to $1,000 in transactions each quarter, then get unlimited 1% cash back on other transactions automatically.
  • The card requires a one-time refundable deposit of at least $200.
  • There is no late fee on your first late payment.

The bottom line

If you want to give your credit score a boost, the is a good option. If you use your card responsibly and don’t overspend, you may be able to increase your credit score more quickly compared to similar cards with lower lines of credit. If you’re looking for rewards like cash back, or you don’t want to make as high of a security deposit, there are other credit-building options.

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.

The post OpenSky® Secured Visa® Credit Card Review appeared first on The Simple Dollar.

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Facebook working on its own OS to replace Android, apparently lives in bubble


It’s no secret that Facebook is looking to expand further into the equipment room as it’s already done with its Portal smart display and its series of Oculus VR headsets. However, those products all run on revised versions of Android, and Facebook wants to replace it with something akin to “Facebook OS.”

Although that’s not the final call for the operating system, The Information wishes to report that Facebook is working on an in-house OS to eliminate its need for relying on Android. One of the pass on this project is none other than Mark Lucovsky, a onetime Microsoft employee who co-authored the Windows NT operating system.

Ficus Kirkpatrick, one of Facebook’s AR and VR pates, spoke with The Verge about the rumored Facebook OS. While Kirkpatrick didn’t come out and admit that Facebook is working on the project, he did say it’s possible and that Facebook would benefit from not needing to rely on Android.

The report from The Information induces it seem as if Facebook is looking to go the Apple” walled garden” coming to its current and future hardware. By that we mean that Facebook would like total control over the ecosystem, everything from the design of the hardware itself to the processors powering that equipment, and further on to the operating system that runs it all.

Related: All Facebook apps, where to get them, and what they do

However, Facebook has a reputation as not being a trustworthy brand, so it seems a bit odd that it would be fight hard to ask people to fully commit to Facebook and the so-called Facebook OS with any of its hardware obtains. While a person might be OK with buying a Facebook device like an Oculus headset, it being” powered by Facebook OS” likely would obligate them more shy to buy it , not the other way around.

Regardless, Facebook does appear to be very serious about its hardware ambitions. Along with Portal and Oculus, the company is rumored to be working on a start of AR glasses that users control with their conceptions as well as a utter assistant for future smart talkers and displays.

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Brink’s Prepaid Mastercard® Review

The lives up the Brinks Home Security name, as it is perfect for those who prioritize safety and want protection against unauthorized transactions. With no late fees or interest charges that usually accompany a credit card, this prepaid debit card offers cardholders a chance to rein in their discretionary budget. The Brink’s Prepaid Mastercard® won’t raise your credit score, but it does allow users to escape the hassle of credit checks and interest charges if you simply crave cashless convenience.

What we like about the Brink’s Prepaid Mastercard®

  • Payback Rewards: Cardholders earn cash back for everyday purchases and receive customized offers for using the card.
  • Speedy direct deposit: If you choose your Brink’s Prepaid Mastercard® for direct deposit, you can see your payment reflect on your account up to two days faster.
  • Mobile check deposit: Deposit checks to your account through the card’s mobile app with a few photos.
  • Text alerts: Get text alerts to receive notifications regarding your deposits, transactions or budget alerts.
  • No credit check: The Brink’s Prepaid Mastercard® isn’t a credit card, so there’s no hard credit inquiry or impact on your credit score as a result.
  • No bank account necessary: Unlike a regular debit card that’s linked to a checking account, a prepaid card allows you to load money straight onto the card.

Things to consider

  • No impact on credit score: If you want to get a better credit score or need to rebuild your credit, debit cards don’t appear on your credit history and don’t influence your credit score.
  • Monthly fee: A monthly fee is automatically assessed to your account unless you choose the pay-as-you-go plan, which charges you per transaction.
  • Foreign transaction fees: Traveling abroad? Beware — this card charges you a 3.5% charge for each international purchase.
  • Regular transaction fees: Regardless of what type of payment plan you choose, there are certain transactions you’ll always pay a fee for including withdrawing cash at an ATM.
  • Penalty for account inactivity: If you don’t use your card for 90 days, you’ll be charged an inactivity fee.

Brink’s Prepaid Mastercard® prepaid details

The is ideal for those who don’t desire a credit card but want a cashless experience. With this card, users will have to decide between a pay-as-you-go plan or pay individual transaction fees. Although there is no minimum balance required, you’ll need to make sure that you keep your card active to avoid an inactivity fee.

Cardholders who enroll in the optional payback rewards can earn statement credit with qualifying signature-required purchases. If you use your for direct deposits, you can get access to a $10 purchase cushion. The feature covers you if you’re a few dollars short to make a purchase. The card’s Mastercard zero liability protection feature takes you off the hook for any unauthorized transactions.

Brink’s Prepaid Mastercard® fees

There are several fee structures that cardholders can choose from with the . For the pay-as-you-go plan, you won’t be charged on a monthly basis. The card’s monthly plan, however, charges you $9.95 each month, and the reduced monthly plan charges $5 each month. If you’re on a monthly plan, you won’t pay any purchase fees. But if you’re on a pay-as-you-go plan, you’ll be charged between $1 and $2 per transaction.

Luckily, there are no fees for ACH payments or customer service calls. ATM balance inquiry fees will set you back 50 cents, and you’ll be charged $2.50 to withdraw cash at a bank or ATM within the U.S.

Be wary of using your card abroad since there’s a foreign transaction surcharge of 3.5% per purchase and a $4.95 charge for withdrawing money, plus the fees that an ATM operator can charge you.

How does it compare to other prepaid cards?

If you like the convenience offered by the but not the fees, the Bluebird by American Express may be a better option. The Bluebird offers benefits like no fees on purchases, no monthly fees, no costs for activation or inactivity and free withdrawals at all MoneyPass network ATMs. But if you want a card built for secure online shopping, consider the MOVO Digital Prepaid Visa, which can be linked to Apple Pay, Google Pay and Samsung Pay on your phone.

Card Purchase APR Annual Fee Intro Bonus Credit Needed Key features
Brink’s Prepaid Mastercard® N/A None None N/A Protection from unauthorized purchases; $10 purchase cushion when you’re short on a transaction; Cash back rewards applied directly to your account
Bluebird by American Express N/A None None N/A No fees for ATM withdrawals within MoneyPass Network; Access to Bluebird mobile app with options to set aside money for savings goals or add additional card users; Add funds to your account with cash or debit at participating retailers
MOVO Digital Prepaid Visa N/A None None N/A No credit check required; No monthly fees; Users can withdraw cash for free from 6,000 ATMs and $2 for out-of-network ATMs

The bottom line

If you just want a cashless prepaid card, the could be a great option. However, it’s important to weigh the convenience of this card with the fee structure. If you have a checking account, it might be more worthwhile to get a debit card linked to the associated account that has fewer costs.

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.

The post Brink’s Prepaid Mastercard® Review appeared first on The Simple Dollar.

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Beware of Long Cycles: Large Cap Growth vs. Value Stocks

As this decade comes to an end, I find it noteworthy that Large-Cap Growth stocks have outperformed Large-Cap Value furnishes during the majority of members of the the 2010 s. When I first started learning about investing in the previous decade of the 2000 s, much was made of how Large-Cap Value capitals historically outshone Growing. You can see this cyclical demeanor below, taken from this Morningstar article 😛 TAGEND

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Similar to fiscal cycles, expansion and evaluate furnishes have alternated lead personas based on past performance, as shown here over the rolled three-year stages starting 1973. While value lash increment during the course of its 2000 s, the trend reversed in the 2010 s as proliferation outshone cost and continues to post enormous additions year-to-date 2019. Nonetheless, it’s challenging to predict whether the growth’s premium over cost will persist, given the irregularity of the cycles.

Nowadays, when I read about some factor that specifies a superior long-term average return, I often was just wondering if its simply that a hot flash of recent outperformance has tilted it towards one area over another. What if it’s just part of a long cycle that eventually disappears the other way? It was only after 2009 that long-term alliances and amber was coming as preferable resource categorizes. Before that, it was merchandises. Of trend, there are all the ways that assets are divided up- US/ International, Large/ Small, Value/ Growth, Momentum, Volatility, and so on.

From a previous announce US vs. International Stocks: Historic Cycles/seconds of Outperformance 😛 TAGEND


Bottom line. Large Value inventories did immense during the course of its 2000 s, but Large Growth stocks reigned the 2010 s. Have some healthy agnosticism involving “hot” asset categories, as the trend may not last and undoubtedly may turn around just as you determine the switch.

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Sentiments expressed here are the author’s alone. This email may contain ties through which “we il be” offset when you click on or are approved for offers.”

Beware of Long Cycles: Large Cap Growth vs. Value Stocks from My Money Blog.

Copyright( c) 2019 MyMoneyBlog.com. All Freedoms Reserved. Do not re-syndicate without permission.

Read more: mymoneyblog.com

Wealthsimple Review 2020 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO]

Now that Wealthsimple Trade has launched, and the robo advisor service has gotten so popular, I figured that it was time to take a serious look at the service.  If you’re the TLDR type, then this Wealthsimple review might be a bit lengthy for your tastes.  Feel free to navigate using our table of contents…

The post Wealthsimple Review 2020 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO] appeared first on Million Dollar Journey.

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Evonik’s Sylvia Monsheimer “We Know the Right Buttons to Adjust Materials & Process to a Series Capable Solution”

Evonik has long had a dawn footprint but an outsized affect and revenue in 3D reproducing. The German $ 14 billion revenue group makes a significant portion of the sintering gunpowders consumed worldwide. Evonik entered the 3D printng industry years ago and has engineered better gunpowders all the while shoring up what has always seemed like an unassailable extend in sintering( pulverize bunked fusion ). Now many other chemical and polymer business are realizing big-hearted sprinkles and investing in 3D reproducing, many have to be eyeing those numerous tonnes of powder being used in sintering. So what is Evonik’s next relocation? We got to interview with Sylvia Monsheimer, Head of New 3D Engineerings Evonik Resource Efficiency GmbH, an operator by transaction who has pioneered Evonik’s 3D etching effort for over two decades. Sylvia was also the person who first, along with a crew, offset Evonik PA 12 work on sintering machines which intends she’s made her company fairly coin to buy Borussia Dortmund four times over( Borussia endorsed by Evonik ). From what we’ve grasped, she has true depth knowledge and understanding in 3D etching and will guide Evonik during this far more competitive era.

Why is Evonik interested in 3D etching?

The 3D printing market is booming, with growth rates in the double digits. Evonik is willing to support that growth actively offering its wide make portfolio of high-performance polymer materials and additives.

What kinds of concoctions do you have now?

Evonik is the world’s leading manufacturer of polyamide 12( PA 12) pulverizations, which have been used in additive production technologies for over 20 years now. Our broader spectrum of polymer pulverization formulations for powder-based technologies includes everything from flame-retardants to elastic, ready-to-use materials like PA 12, polyamide 613 for works in higher temperature reach, thermoplastic elastomers of our PEBA grade as well our brand new copolyester pulverizations based on the Structured Polymers technology Evonik purchased in January.

Beside our polymer pulverizes, we give a range of high-performance filament substances for medical implant and machines like our PEEK filament of the VESTAKEEP brand as well as our bioresorbable polymer of the RESOMER brand suitable for fused wire fabrication.

In addition, Evonik is one of the leading manufacturers of nano composites. Silica-based nanoparticle composites boost the implementation of its 3D published commodities. They are supported in several 3D reproducing technologies like for example stereolithography.

Our portfolio of specialized supplements such as powder flow control negotiators, rheology ensure workers or reactive modifiers terminated Evonik’s contribution to the 3D reproducing grocery.

3d printing

Evonik’s brand-new copolyesters

What the different types of makes will you develop?

Evonik maintenances on development of brand-new ready-to-use material structures for common engineerings in order to move the process of 3D printing a big step closer to industrial manufacturing. We are targeting new works- where brand-new represents brand-new for 3D publish- and we are looking for collaborators who plan to set up the technology for their implementation, ever with the objectives lines production.

What are you doing with photopolymers?

Photopolymers are part of our invention projects across the globe. For example, our Asia Research Hub which is located in Biopolis, the dwelling for international and groundbreaking study in Singapore, focuses on ready-to-use photo resins for SLA in order to wreak existing information portfolio into applications.

At the marl compound website in Germany, we team up with Cubicure, a spin-off company of Vienna University of Technology, to jointly develop innovative radiation-curing resin organizations.

3d printng

You seem to have a strong SLS focus, will you move more products for FDM or other technologies?

Evonik bales its competencies in 3D publish within the group’s Additive Manufacturing innovation growth field. Our tactical focus is on developing and manufacturing “ready-to-use” high-performance textiles responding to the needs of major technology courses. We’re strongly focusing our overall activities on SLS/ HSS/ MJF, FFF/ FDM and SLA. Our existing portfolio of equipment and additives align to our approach.

How did Evonik first come to be involved with 3D Printing?

It is more than 20 years ago that we started selling textiles for the SLS technology, and virtually for the same time we started to use SLS machines for increase, Quality assurance, and the journey of cornerstone understanding. Of route, in the meantime we added a lot of other engineerings, commercial-grade and had still not been business, to our lab.

How about you personally, how did you first enter this marketplace?

I personally started more than 20 yrs ago, with PA12 powder that had to be adjusted to the SLS process. With the machine progress over so many years likewise the materials have to be nipped. And still, the PA12 is a success story.

What has changed over the time you’ve been involved?

The most relevant changes had come when the basi technology patents expired during the past 10 years. That opened the possibilities for brand-new players. And, last but not least, the media hype we met helped to boost creativity everywhere around additive manufacturing and led to programs in order to establish series production. All engineerings are getting faster and faster, and completely new technologies are entering the market. This is an exciting development!

Will you be releasing more PAEKs and other high-performance polymers?

Evonik stops on development of new ready-to-use material systems for common technologies in order to move the process of 3D printing a big step closer to industrial manufacturing. Like I mentioned before: if there is any potential for series application which entreaties a new textile, also in the area of PAEK, we are open to develop new high-performance materials for additive manufacturing. It always starts with a market request.

Everyone seems very application concentrated now, developing information for specific employments? Are you?

That is definitely the way to go. It is the right signal to demonstrate streaks production using 3D printing engineerings. But the change and optimization for a certain technology that is used are indispensable. And now Evonik can use years of experience; we know the right buttons to adjust materials and process to a series ability solution.

What will you be doing with copolyesters for SLS? Why is this needed?

Our aim is to provide new information organisations in order to further diversify the market for 3D etching materials and drive it towards industrial production. This is the first copolyester material for gunpowder bed synthesi processes in world markets and “we il be” agitated to broaden our portfolio again.

You also have performed brand-new flexible SLS substances?

As the first product of the Structured Polymers technology, which was acquired in the spring of 2019 for the production of specialty polymer pulverizations, Evonik has developed thermoplastic elastomers based on innovative copolyesters for powder-based 3D publishing engineerings. The brand-new ready-to-use material is both highly elastic and tough and can be produced in white or black, vary the application occasion. It expands the company’s flexible thermoplastics product assortment for powder-based 3D publishing engineerings, augmenting the existing PEBA powder. All polymer pulverizations are suitable not only for SLS but too HSS and other powder-based technologies.

What is holding back 3D printing?

We aim for the use in series production: but make is not only the 3D publication step- what is lacking for many streak works is the integration and automatization within a make order. And this has to be solved application by application and for each purchaser. The give of pre- and postprocessing gradations which are known from dose molding has to be modified and set up for 3D etching fractions. Lastly, new cloths sometimes necessary brand-new machines!

What advice do you have for a company that wants to manufacture applying 3D reproducing?

The most important thing is support from the top administration through the organization. The exploit of 3DP has an impact on administrative topics if you want to address the full potential- it might change the direction how you grow. And new or redesigned characters are important to use the technology efficiently.

What do you hope to achieve over the next five years?

” I would like to see arousing new succession yield applications .”

Will you offer commodities for desktop 3D printers?

” We already are available to that! There already exists small-scale desktop printers on the market using powder berthed fusion technologies with Evonik’s material .”

How do you learn the 3D printing market evolving?

We are seeing a major switching toward real yield, and our aim is to be an proved supplier for this new production technology. Beyond fulfilling technological needs, the committee is also spawns appreciation for us to offer scale-up knowledge, quality assurance, and reliability. Nonetheless, for the technology to really take off, machine availability is crucial–and here I am talking about machines capable of production. Evonik is prepared to supply material after 3D publishing gives off.

The post Evonik’s Sylvia Monsheimer” We Know the Right Buttons to Adjust Material& Process to a Series Capable Solution “ sounded first on 3DPrint. com | The Voice of 3D Printing/ Additive Manufacturing.

Read more: 3dprint.com

Tony Goldwyn Quoting Fitz's Famous Scandal Lines Will Make You Swoon!

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Wealthsimple Review 2020 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO]

Now that Wealthsimple Trade has launched, and the robo advisor service has gotten so popular, I figured that it was time to take a serious look at the service.  If you’re the TLDR type, then this Wealthsimple review might be a bit lengthy for your tastes.  Feel free to navigate using our table of contents…

The post Wealthsimple Review 2020 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO] appeared first on Million Dollar Journey.

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Meghan Markle and Prince Harry's Frogmore Staff Reassigned Amid Royal Exit: Report

Meghan Markle, Prince HarryMore changes seem to be underway for Meghan Markle and Prince Harry.
A recent report states that the staff at the Duke and Duchess of Sussex’s newly-renovated Frogmore estate have…

From Homeless to Pro Photographer: What it Actually Takes to Make it as a Photographer

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Perhaps you have a dream of becoming a professional photographer or you have already started your professional photography business. If for you it’s still a dream what is it that’s holding you back? If you have already started how was it for you? Did you start part-time, excitable about taking that first step or did you, like me, hop straight in?

I read so many commodities and examine far too many comments from other professional photographers who say to you what photography equipment you need and what photography training courses you should go on before you even start. The camera, the lenses, lighting, educate it all supplements up.

It’s about having a passion for photography. It’s about having that dream and going for it.

For me, though it isn’t about having the claim camera gear or teaching. It’s about having a passion for photography. It’s about having that dream and going for it.

Many of us will have that built-in reviewed, “What if I generate it try but fail? ”

The fact is though that the only way you can fail at anything is not to try at all. If things go wrong it’s merely suffer and learning about what didn’t work. Yes, that can be a bad thing when you are working with clients, nonetheless, the authorities have routes around that.

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It will remain that, “what if…” or” I bid I had …” that saves coming back.

Every journey starts with that first step. If you give everyone else stop you from establishing that first step you are just going to end up going nowhere. Your dream will just stay as it is a dream that either disappearances apart or be transformed into a nightmare that remains niggling away at the back of your brain. It will remain that, “What if…” or “I wish I had…” that keeps coming back.

Yes, there are a few people out there who will tell you the same thing. The life-style coaches, the people who want to tell you their storey and sell you their training courses about how they represented it as a photographer who gives PS100, 000 a year. There will also be a few people out there who really do want you to chase your dream and go for it.

So, what is it that gives me the authority to say that you should chase your dreams and what is it that I am trying to sell you?

I will start by telling you outright that I am not trying to sell you anything. I don’t even offer training courses or such like.

Now, with that out of the mode, I want to tell you a story.


It’s about a homeless guy who had been living on the streets for two years. Parties had been stepping by. Some had stopped to take pity on him others is as simple as not even paid him any attending. He had sounded the calls of, “Get a task! ” or the comments about being a worthless drunk.

The fact is though he did have a job once. It was a good job with a good salary to match. He had lived in a decent-sized home with his wife and his son. He had also had a hobby, and that diversion was photography.

Settled in his pleasant life life had something up its sleeve. Life was going to change and change in a awfully drastic way.

His marriage broke up and he became seriously ill in hospice, so ill that the doctors didn’t even expect him to be leaving on his foot. When he did eventually leave the hospital after twelve weeks, he was unable to work for several months. Unable to return to a full-time position he had decided to set up as self-employed doing what he had always done. It was going well right up until Christmas. It was then that his main patient mail him that dreaded email, “Sorry but we can’t afford you.” The statements were left outstanding. With no money coming in the man couldn’t pay the legislations and resolved up living on the streets. At first, he had hope that his life would change and get back to how it was. With each day though that hope was fading fast.

I should have warned you that it wasn’t going to be a happy story, well not at the beginning. However, this is a true story and life does have a way of affording us with struggles along the way. Struggles that are in a position have a way of changing how we consider life. Challenges that perform us sit back and think about what is important to us.

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How do I know it’s a true-blue tale? The reaction is simple. That boy was me.

After two years living on the streets, I had lost all hope. Each date was a struggle and I began to booze heavily really to blot out what had happened to me. I didn’t want to think about what I had and certainly didn’t want to think about tomorrow. Some epoches all I is ready to do was resolve it all.

After two years though, I was given the opportunity to go into rehab. I took the opportunity and stayed there for eighteen months.

I guess by now you are beginning to wonder how this applies to an article about photography. More importantly, how does it is appropriate to how to start a photography business.

When I is out of rehab, I was provided with a sit to stay, a office in a flat. It wasn’t anything special. It was, however, a neighbourhood that I could call my own. With a roof over my president, I was able to think about what I needed to do next.

I had come out of rehab with nothing apart from a rucksack with a few invests in it. I literally had nothing else. Along with no possessions to call my own, I likewise didn’t have a job. I needed to find a way to earn a living, otherwise, I wouldn’t be able to pay the statutes and that roof would not be over my head for long.

The day after I left rehab and moved into my apartment, I saw someone who I had met while I was homeless, before I went into rehab. They had remembered a conversation that we had about how I had done photography as a diversion back before my life had changed. They reminded me that I had told them that I experienced photography so much that it had been a dream to become a full-time photographer.

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Only by a little bit of advantage, but it was still a profit.

They also had another surprise ready for me. As we chatted, they gave me an old camera that they didn’t need any more. It was a Canon 650 D with both kit lenses.

Now, if you spoke to any professional photographer, they would probably tell you that you need a better camera than the Canon 650 D to become a’ professional photographer’. I didn’t listen to that though. I had been given an opportunity. I had a chance to take that first step and follow my dream.

With my mind put in, I decided that I would give it a go. I started to work with the microstock business as I had expended them before when photography was just a hobby. I likewise still had the accounts lay out which was a bonus.

With all the excitement about having a camera and wanting to start my business, I hadn’t even thought about the fact that I didn’t have a computer. I would expend my epoches making images then going to another friend’s house to use their computer to edit the images and upload them. Then within a month or two I had earned enough to buy my own computer, yes it was basic, but it did the number of jobs that I needed it to do.

I worked hard at establishing images every day but that first year paid off and I was in profit. Only by a little bit of profit, but it was still a profit.


Wow, I didn’t even think that I had a style.

After talking to other friends about what I was doing I began to get asked to make photographs of their family, I even got asked to take the photo for a local playgroup. That is when the direction of my business changed from microstock work to family portraits. Something that I still enjoy doing today.

Four years later the business is still developing and evolving in ways that I would not have imagined.

I still remember the working day I had an email asking me if I did wedding photography. I replied to say that it was something that I had never said and done, I thought that was that that I would never hear from them again. I was wrong.

They replied virtually straight away. They wanted me to do their wedding photography. They didn’t want a wedding photographer who was stuck in their roads about how they did things. They missed someone who could simply captivate and certificate their day.

They also said that they had been drawn to me because of my mode. Wow, I didn’t even think that I had a style.

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After other is asking for my nuptial photography, it is now the primary sphere of my photography business. I would never have thought it, but I have even had to turn buyers away as I’m fully booked. That is something that was not even an integrated part of my dream.

There are some things though that I have held onto while developing my photography business. I will ever retain what life living on the streets learnt me. Everyone has sufferings in their lives and not everyone can open the best.

I made a choice to become an cheap photographer. For me it’s not all about how well I do or how much I deserve, but about imparting others the opportunity to have their caches captivated. That has all along been what I am there for. I don’t devote a service that is below my best, I have however looked for alternative ways to do things that allow me to keep my rates affordable.

The other thing is not to guess people by what you see. You may never know who they were, or more importantly who they will become.

So, what is it that holds us back from following a dream to become a photographer or trust our own style?

One thing is for sure, it shouldn’t be the lack of equipment, fund or civilizing. It certainly shouldn’t be telling others prop us back.

About the author: Christopher James Hall is a professional wedding, genealogy, business, and life-style photographer based in Buckinghamshire. You can find more of his handiwork and paroles on his website or next following him on Facebook. This upright was also published here.

Read more: petapixel.com

Watch Ryan Reynolds and Sandra Bullock's Adorable Betty White Birthday Tribute

Ryan Reynolds, Betty White, Sandra BullockWe have a birthday in the house!
To commemorate Betty White’s 98th birthday, her The Proposal co-stars Sandra Bullock and Ryan Reynolds joined forces to celebrate the beloved actress….

How To Fill Out a W-4

One small document that significantly impacts your tax season is the W-4.

Whether you’re making adjustments to your withholding at a current job or beginning a new career, understanding this document can ensure that you save as much money as possible.

Ironically, as money is a top stressor for so many people, many employees are actually paying the government more in taxes than they need to by not properly filling out their W-4 forms. By getting the W-4 right, you could increase your take-home pay.

We’ll walk you through the entire thing.

What is a W-4

The W-4 form is also called the Employee’s Withholding Certificate. Your employer uses this form to determine how much money to keep from your paycheck for state, local, and federal income taxes. You’ll always fill out a W-4 when you start a new job. Other times you may need to refill out the form include if you get a big raise, have more children, get married, or get divorced. The IRS suggests filling out a new one each year to make sure you’re staying on top of the amount of taxes you owe. But in all my jobs, I’ve never seen anyone do this.

Fill out a W-4 when you start a new job or when you have a major life event like marriage or a new child. Otherwise, don’t worry about it.

Your employer will ask that you fill out the W-4 form before your first check. If the form isn’t completed and turned into your employer beforehand, they’ll likely process your check as if you’d filed for 0 allowances. You can always update this information throughout the year.

When filled out properly, the W-4 lets you bring home as much of your paycheck as possible without owing a bundle of money during tax season.

Information You’ll Need to Provide On a W-4

The W-4 is a very short form. While the document you receive is around four to five pages, you only have a few lines to fill out yourself.

The information you’ll need to provide includes:

  • Full Name
  • Address
  • Marital Status
  • Dependents
  • Declaration of multiple jobs
  • Declaration of a working spouse

Your employer will take the information you provide, then add their employer identification number and the date you started working with your company.

Additional pages included in the W-4 are the personal allowance worksheet, deductions and adjustment worksheet, and two-earners/multiple jobs worksheet.

  • Personal allowance worksheet: The personal allowance worksheet tells you how many allowances you could take. Use this worksheet to determine which allowance options are best for your family. We’ll discuss personal allowances in the next section.
  • Deductions and adjustments worksheet: You only need to worry about this form if you plan to itemize your tax deductions. Most people opt for the standard deduction, but some people may save more money on taxes by opting to itemize. You’ll need to provide an estimate of your potential deductions on this form.
  • Two-earners/Multiple jobs worksheet: If you have two jobs or your spouse also works, this form will help you determine how much money to withhold from your check to account for the second income. This can be a very useful tool for couples who are filing joint tax returns.

Making Sense of Allowances

The purpose of your W-4 form is to tell the employer how much money to hold back for taxes. Allowances tell your employer that your taxes will be less so there’s no need to withhold as much. This reduces the taxes that are taken out of each paycheck and increases the amount that hits your bank account.

If you claim zero allowances your employer will withhold the maximum amount allowed based on your tax bracket, filing status, and paycheck frequency.

Taking too few allowances means you overpay. While overpaying taxes could result in a larger tax return, that’s also less money you have available to spend the rest of the year. Be careful though, taking too many allowances means you could end up owing the IRS more money and having to pay a penalty.

Each individual qualifies for a single allowance. So, a college student who is dependent on their parents’ taxes could claim 0 or 1.  If you’re single with one job and you don’t qualify as a dependent on anyone else’s taxes you could take 1-2 allowances. If you take two, you may owe a little money at the end of the year.

Married couples can claim one allowance for each dependent. You can also add an additional allowance if you will claim the child tax credit.

Note: If you have multiple jobs, you should split the number of allowances between both jobs. If you have two jobs and three allowances, put 3 allowances on your primary job and 0 allowances on your second job.

There are some situations in which you may qualify for additional allowances if you plan to itemize your deductions. New laws increased the standard deduction, so itemizing may not be your best option. If itemizing your deductions will help lower your tax bill, you may be able to add allowances to your W-4. Use the Deductions and Adjustments Worksheet included with your W-4 to determine if this is the best option for you.

Some individuals may qualify for a tax exemption. This means that your employer cannot hold any funds to pay towards taxes. To qualify, an individual or couple must expect their total annual income will result in zero liability. This means that you qualified for all of your withheld federal taxed income as a return in the previous year and expect the same for the current year.

W-4 Vs. W-2

While both the W2 form and a W4 form are concerned with payroll, their functions are completely different.

Where a W-4 tells your employer how much money to set aside for federal, state, and local taxes, the W-2 tells the employee how much they earned, how much they paid in taxes, and where other deductions went (Medicaid, health insurance, Union dues etc.).  The W-2 gives a complete summary of everything you were paid along with your taxes at the end of the year.

The information used on the W-4 will affect the information you receive on the W-2, which is why understanding allowances is important. Once you submit your W-4 to your employee, you begin work and start getting paid. Your company gives you a paycheck each pay period (minus any tax and retirement deductions) and then supplies you with the W-2 form at the end of the year to detail your annual financial report.

If you have a higher number of allowances, you’ll bring home more in each paycheck. If you take fewer allowances, you’ll bring home less money each check.

Things to Know and Tips to Consider

Updating your W-4 with some regularity can affect the amount of tax you owe. You should always update your W-4 after major life events, especially a marriage, new job, or the birth of a child.

Another way to simplify your taxes is to consolidate your allowances. If you and your spouse both work and have multiple jobs, claiming all of your exemptions on one W-4 while claiming 0 on the rest will make filing taxes less confusing.

Strategize your W-4 Withholding

Deciding to maximize or minimize your tax withholding isn’t always a simple decision. There are circumstances where it makes more sense to take more allowances and risk owing money at tax time. Others opt to take fewer allowances in order to get a large tax refund at the end of the year.

If you opt to take 0 allowances your employer will take the maximum allowable tax out of your paycheck. This means less money each check, but you could get a large refund at the end of the year. This can also be beneficial if you plan to purchase a home or take out another large loan and want your taxable income to be higher for qualification purposes.

Taking more allowances frees up more cash each check. This can be helpful for people hoping to pay off debt or invest the money elsewhere.

Here’s how I’d make this decision:

  • To optimize for every dollar, set your allowances so you barely get a refund on your taxes. You want the refund as low as possible. Instead of giving money to the government for up to a year, keep the cash and invest it earlier.
  • To help with saving, pad the refund. Many of us struggle with saving and the refund can help a lot. It’s like getting a bonus of several hundred or thousands of dollars in April each year. Use it to pay off debts, make larger purchases, or invest it as a lump-sum. In this case, claim fewer allowances than you’re entitled to.
  • If cash is really tight, get every allowance you can. This puts more money in your pocket every. Just be careful, you don’t want to give yourself a surprise tax bill in April.

Instead of filling out allowances, the W-4 form does allow for one additional option. You can put the exact amount of money you want your employer to withhold from each paycheck. This option can take the guesswork out of whether you’ll owe taxes, get a refund, or break even.

You will need to do a little math to determine your annual income and your tax responsibility if you want to avoid potential penalties.

If you have unearned income or have freelance work, you could authorize your employer to take additional money from each paycheck by putting an amount on Line 6 of the form as well. Many people prefer this option over estimated quarterly tax payments.

How To Fill Out a W-4 is a post from: I Will Teach You To Be Rich.

Kick your bad parenting habits in 2020

It’s easy to get stuck in a rut. Maybe you’ve been cooking the same five dinners on recite( mealtime rut ), or you waste your time at the gym listlessly pedalling on a stationary bicycle( workout groove ). These structures of behaviour are somewhat life sucking, but they’re likewise cozy, so they can be hard to change.

Add kids to the mix, and it’s even more difficult to punched the reset button and break out of unhealthy or ineffective chores. Kids, after all, are creatures of practice, and they find it unsettling when there’s a shift in the daily program. And sometimes mothers benefit from autoplay too. But there’s hope. Here are four common parenting ruts and how to get out of them.

1. Screen time rut

Any parent who’s ever provided their kid up on Disney+ as an electronic babysitter or exercised a smartphone or tablet to occupy teenagers at a diner known to be easy it is to fall into a screen era groove. The first time I plunked my son, then seven, down with an iPad open to YouTube, I did so to keep him busy while I cleaned up after dinner. I was thrilled when he steered to another music video and hit play–it plan I could respond to a few cases emails. At the time, I thought it would be an easy way to seldom keep him and his big sister occupied.

I was stunned how quickly it became an after-dinner expectation, and not just for my son. I came to rely on technology to carve out time for self-care.

“In most pedigrees that have established screen occasion numbers, we use them to get things done or for time to yourself, which we all deserve, ” says Matthew Johnson, director of education for MediaSmarts, an organization that schools digital and media proficiency. But he urges, “As those chores get reinforced, it gets more difficult to change them.”

Brother and sister playing with toys at home I met my screen-addicted girls disappear cold turkey–here’s what happenedJohnson says the first step toward weaning teenagers from screens is to be aware of when and how they’re using connected devices–perhaps you’re handing over the phone without recognise it any time you’re in a waiting room. The second gradation is to understand what your babies are getting from time spent on a manoeuvre so you can discriminate between what’s important( playing an educational game) and what’s exactly filler( mindlessly watching YouTube ). The third stair is to provide alternative pleasures instead of screen use.

” Where you’re going to get the most fighting is when “youre telling”,’ Put it apart, ’ and you don’t give anything else to fill in that space, ” says Johnson. Depending on their age, construe, emblazoning or play with toys like Lego are good options, but if minors push back, nudge them toward more positive screen acts firstly, such as playing an interactive video game together.

“You have to assess how large-hearted a stair you can take at a time, ” says Johnson.

You can also establish rules and beliefs around screen application, but make sure to follow them yourself, he says( like no screens or telephones at the counter ). And don’t be afraid to be the parent–you’re in charge and you can always take out devices.

The good report is, it doesn’t make long for kids to establish a new number. I chipped my lad off from YouTube cold turkey, and though there was an initial tantrum, after a few periods he made jumping on the trampoline his new post-meal activity.

2. Junk nutrient groove

We all passion discuss, so when your daughter asks if you can go to Starbucks after her swim lesson to get a cookie and hot chocolate, of course you say yes. When she expects again the following week, you know the better answer is no, but you could use a latte pick-me-up yourself, so you go. It soon becomes an every-week thing.

For Mary-Ann Kroeker, the move into undesirable eating was sparked by the family’s summer snack-fuelled camping trips.

“We bought a knot of junk food to represent life easy and we haven’t actually gone out of that summer feeing rut, ” says the mother of three.

Kroeker stretches a lot of her own veggies on their acreage near Priddis, Alta ., and has always offset healthy eating a priority. She foresaw her minors, ages 11, nine and four, snacking on raw veggies and plain yogurt candied with return. The reality is, they wish sugary, boxed meat, extremely her youngest. He won’t eat all day but then expects an afternoon snack of muffins and gummies. Kroeker has given in because it’s easier–planning healthful snacks takes time.

“It’s certainly an expectation that the quick foods are going to be there and that when they’re hungry they want to eat right now, ” says Kroeker. What’s more , now that they’re accustomed to Paw Patrol-branded yogurt, her children would rather go hungry than dine cucumbers.

Tristaca Curley, the owner of Fueling with Food, a nutrition adviser fellowship in Kelowna, BC, assures families in junk food grooves all the time. Curley says the key to better eating habits is allowing brats time to build up an appetite. Let them travel a few hours between meals; then those cukes might start to look more appealing.

Next, talk about it with your minors. Explain your continuing commitment healthy eating; describe the character different types of food play in their body and what health eating implies. Tell them that instead of thumping Starbucks, you’re going to save the money and deplete it on a family outing such as a tour to a science museum or the aquarium. Then stick with the plan.

If the problem is snack foods purchased from the store, make the children grocery patronize with a mandate to find parent- and kid-approved outcomes, vegetables and protein alternatives, such as a flavoured low-sugar yogurt. And don’t cave in to persuade to buy harmful items.

“If you don’t miss your children ingesting certain types of disallows or junk food, then don’t have them in the house where they hear them. And certainly don’t be munching them yourself! We really have to be role models for that, ” says Curley.

The bad news is that breaking out of this rut takes a commitment from the whole family to meal and snack plan, which takes time.

“Feeding adolescents, like parenting in general, is really about the long recreation, ” says Curley.

3. Bedtime rut

When my teenagers were little, I was scared that if I ever caved at bedtime–snuggled two daughters in her berthed after legend hour until she fell asleep, or tell my lad crawl into our king bed after a light terror–there would soon be four members of us sharing a bed till they left for university. Turns out it wasn’t an altogether unfounded fear.

For Valerie Gagnon, a mommy in Saint-Hyacinthe, Que ., it started when her daughter’s dad left the family just before she turned two. “It was a big change, so she started coming into bed with me in the middle of the nighttime. I would cause her do it because she was small and needed comfort, ” says Gagnon. Besides, she thought it would just be a short-term thing while they adjusted to their new category dynamic.

“Now she’s six and she’s doing it for other reasons–she’s scared of the dark and scare the crap out of ogres, ” says Gagnon.

She recently remade her daughter’s room and now her daughter is finally sleeping in her own bunked. “We’re time at the beginning of the transition and she seems roused to be a’ large-scale girl’ and sleep alone.” Gagnon says she’ll preserve feeing her.

Setting a sleep belief is an important first step for parents looking to break out of a co-sleeping rut, says Alanna McGinn, founder of Good Night Sleep Site, a sleep consulting pattern. The conversation–applicable to minors senility three and older–should address who sleeps where, why a good night’s sleep is important and why the best sleep happens uninterrupted in their own bed.

“It’s really important to frame those bounds in place, and that might mean bringing the child back to bed, ” says McGinn. This practise is called the “silent return” and involves stepping a child back to her bed with minimum interaction, sometimes multiple times per night. No fuss, fondling or tale time.

“I know that we’re depleted and it’s just so much easier to scoop them up, stick them in your berthed and fall asleep that action. It might symbolize a duo nights of really bad sleep for everyone, ” says McGinn.

If a child excludes boomeranging back to the master bedroom, parents can look at “cribbing” the apartment to contain the child–close the door, gate the door or contribute a childproof handle. The eventual payoff is that when the new sleep chore stays, it makes better sleep for everyone.

illustration of a woman yellingIllustration by Sam Island 4. Yelling rut

You know the drill. It’s bedtime and you’ve told your kid to turn in his pyjamas three times and hitherto here he is, still wearing epoch robes, sitting on his bedroom storey and searching for a Playmobil lion that will terminated the African safari set-up. So you scream, “I SAID, GET READY FOR BED! ”

The first time Suzy Foster howled at her three-year-old daughter, she thought it was a one-off. She grew her expres to get Ruby’s attention and it worked. Foster felt certain that the next time, her daughter would listen to Mom’s indoor voice( she didn’t ).

“For some reason my daughter doesn’t hear me or listen until I yell, ” says the Annapolis Royal, N.S ., mommy. “She’s at a period right now where she’s plug bounds, and wailing feels like the only option, ” Foster explains.

It likewise bothers her that she’s started bawling at her one-year-old son and that howling at the children is something she does in public.

Yelling makes parents was all right and it can be scary for teenagers, but it also seems to get results in the short term, which is why we do it.

“Typically we yell when we feel like we’ve hit a wall, ” excuses Elana Sures, a cross-file clinical counsellor in Vancouver. “It’s important to take a step back and inspect the situation without judging yourself or your kids. Exactly look at what’s going on.”

If you do a “yelling audit, ” you’ll likely conclude the culprit is either parental burnout or a family factor, she says. With parental burnout, generally one of both parents( or a single parent) is shouldered with the majority of members of parenting duties and is feeling the squeezing. If it’s a family problem, it might be that something isn’t working in the daily routine–perhaps after-school activities and late dinners entail the girls don’t have enough evening downtime, so they reject bedtime. Other family ingredients could include a child who has not had appropriate borders specified or has not acquired the necessary skills to carry out the behaviour that the parents miss, or parents whose expectations are too high.

Once you know why you’re yelling, it’s easier to stop doing it in those situations. Set promises around practices and chores. If the children still won’t listen, try to take the ardour out of it. You can is trying to domesticate the roar in the moment–take a deep breath, reset and continue in a pacify voice–or be proactive and practise mindfulness daily so you’re in the habit of raising Zen.

“You can even say out loud in front of your teenagers:’ Whoa, look at us. We’re yelling so much at each other–I don’t want to yell at you guys, ’” says Sures. “You can almost always stop the pattern by making it obvious.”

Read more: 10 proven ways to finally stop cry at your kids Why you shouldn’t panic if your girl won’t eat vegetables

The post Kick your bad parenting wonts in 2020 showed first on Today’s Parent.

Read more: todaysparent.com

The True Cost Of Adoption

The overall cost of adoption is high, but some forms of adoption are definitely more affordable than others. Read on to learn more.The overall cost of adoption is high, but some forms of adoption are definitely more affordable than others. Read on to learn more.

The post The True Cost Of Adoption appeared first on Money Under 30.

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7 More Resources I Loved in the Genius Blogger’s Toolkit {Last Chance!}

This post may contain affiliate links. Read my disclosure policy here.

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Did you see my post yesterday on 16 resources I loved in the Genius Blogger’s Toolkit? I’ve got 7 more resources for you today that I loved, in case you are thinking of purchasing the Toolkit (or you’ve already purchased it!)

What is the Genius Blogger’s Toolkit?

The Genius Blogger’s Toolkit is a special opportunity to get a huge bundle of some of the BEST blogging resources around at a CRAZY discount. It’s only offered for 8 days total in a 12-month period because the deal is so good.

It offers resources on pretty much every topic you can think of related to blogging. And it’s packed with some of the most top-notch blogging courses, ebooks, and programs.

What’s the Catch?

Yes, you can get thousands of dollars worth of resources for one tiny but terrific price. But, the catch is that it’s only available through tonight at midnight (Thursday, January 16, 2020). After that, it goes away and if you want to buy the resources, you’ll have to buy them individually — and likely at full price!

But I Don’t Think I’ll Use All of the Resources

Trust me, NO ONE should be trying to go through and use all of the resources in this Toolkit. That would be pretty near impossible to do — if you actually wanted to have time to run your business, too! 🙂

Instead, I encourage you to look at the list of resources that are in this Toolkit and see if there are some that look like they would be really valuable to you.

If so, is the price of them worth more than the price of the bundle? Also, do you have the time to go through them? If the answer is yes to both of these two questions, I definitely recommend investing in the Toolkit.

I’m Going Through All the Resources for You!

Okay, so I know I said that no one should go through all of the resources and try to use them. BUT, I did personally go through all of them for you.

No, I didn’t read every word or watch every video, but I spent hours yesterday and today skimming through all 94 different resources in order to tell you about which ones are my favorites and those I think are most worth going through.

If you missed yesterday’s post, here are 16 of my favorite resources in the Genius Blogger’s Toolkit.

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7 More Resources I Loved in the Genius Blogger’s Toolkit

I finished going through the rest of the ebooks and courses and programs and I picked 7 more that I really highly recommend:

  • The Blogger’s Simple Guide to Taxes — I highly recommend this ebook for everyone if you are starting a blog and planning to earn any money at all from it (or even if you’re not planning to earn money from it!) It gives you can overview of all of the basics you need to know when it comes to deductions, filing your taxes, and what you need to report.
  • The Authentic Blog Project — “Don’t show up for your audience in hopes of being accepted by them. Instead, show up because you are happy with yourself and you are perfectly happy to be seen as you are.” I loved this quote in this ebook! While very different from many of the resources in the bundle, I thought it was so invaluable and well worth reading.
  • Smart Email List Building — If you’ve been wanting to start an email list, this course will walk you through all of the basics you need to know. I thought the videos were a little bland, but the content was solid and worthwhile.
  • ROI Action Plan: Where to Focus Your Time to Make the Most Money When You Have Limited TimeI loved Caroline’s honesty and enthusiasm in this course + her very practical advice on what you should be focusing on as a blogger.
  • Sales Page Starter Kit — If you are planning to launch any type of product in the near future, this is a helpful and short course on how to put together a winning sales page. It gives you lots of practical suggestions for how to write copy and headlines for your sales page that will convert to buyers.
  • WordPress 5.0 Masterclass — This is a very comprehensive overview of WordPress 5.0 and Gutenberg. If you’ve been scared of switching over to Gutenberg, this thorough course will help you feel much more comfortable with using it. Plus, you’ll learn lots of tricks and tips for making the most of WordPress.
  • YouTube Takeoff — Thinking of starting a YouTube channel? This well done course walks you through everything you need to know to set up and launch your YouTube channel successfully.

Remember, The Genius Blogger’s Toolkit is only available until midnight tonight (January 16, 2020). After that, it goes away and this bundle of resources at this price will never be offered again!

Don’t miss out! Click here to purchase it while you can!

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My Son’s Home from College for the First Time. Here are My Thoughts for Him

It’s been four months since we dropped our son at college, and I get to see him in two days! It’s my son’s first time home from college. I read a poignant article that resonated with me by Mia Freedman, who wrote 😛 TAGEND

“Being the mother of a son is like someone broken off with you really slowly.”

Our job, as mommas, is to raise sons into males, and give them tools to successfully grow up and leave to start their own families. Eighteen years goes by in a flash. One hour we’re nursing from the breast, schooling them to hold a forking, then chop remains, then poof…they have their own credit card to fiat food. They slowly but surely growing quite and away from us.

freshman son is home

My freshman is home and inspecting scruffy.( photo via Samantha Kuhr)

My son’s home for the first time since he left for college

The last-place hour you had a haircut was early August as we left California shiny and clean to move into the dorms. I presume haircuts don’t fairly realize the budget as a college student since you’re now a shaggy haired man. BTW, who knew you had curly hair !?! I’m not sure where the man-beard came from, but clearly freshmen don’t scrape. Is this a phase, or do I need to adjust to this new you? Contrary to popular belief, college is not an all-inclusive resort in Cabo where you are obligated to drink as much cheap booze as possible to get your money’s worth. Their own lives no longer revolves around me. It’d be quirky if that were not the case, but ouch….this is a primal ache. I certainly experienced you coming to me for every single thing. Well, most things…not the three car collisions, obvi. How and why do you sleep so much? That’s impressive…and not in the good way. No you shouldn’t bring your dirty membranes sweep country for me to wash them. Nor should you bring a full handbag of grime robes for that matter either. Gross. Use one of the 2000 laundry pods I bought you when you moved in four months ago! I follow together with your college football squad social media, and it originates my whole WEEK when I catch a glimpse of you smiling and having a great time with your cronies. How could you possibly not have recognized you had a final on Wednesday? You determine there’s this thing called a syllabus, that outlines EVERYTHING expected of you to succeed in a trend. This isn’t shown on Snapchat, Instagram or Call of Duty either, so perhaps stop spend so many hours in these places trying to seek this out. You need to actually poke around your college portal to figure this nonsense out. It’s hard to describe the respect of watching you grow into a man and figure( or not) things out for yourself. Yep you still have a curfew. I understand you are an adult and you are able to’ do what you want now’, but there’s no way I’m lying awake waiting for you to come home at whatever hour you have selected. Wow. Your vocabulary has ameliorated hugely from the mutters you left with. It’s lovely to have actual adult conversations with you about things that are important. Can we have more? You are going to wear matching Christmas PJ’s with your friend, and broil a gingerbread residence wearing your Santa hat, like we did the past 17 years. Non-negotiable.

This phase is new to me. I don’t know how to navigate this and I think it’s most difficult than college drop-off. How do I express my beloved as I watch you absolutely growing up preparing to leave my safe nest? I’m comforted by knowing I did it right. This is how it’s supposed to work.

I need to figure out how to channel my longing for one more day to walk to the beach, buy you ice-cream and watch it dribble all over your face and pass, then shed you in the bathtub so we can snuggle in your little PJ’s with feet. And speak Skateboard Mom for the 1000 th hour. Cat? Dog? Foster Kids? Who knows.

I know you compassion me more than life itself, but I also know we need to settle into our brand-new rhythm.

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Samantha is a travel and health writer, breast cancer survivor and supermom to two active boys! She’s a digital and brand consultant, and founder of https :// mytravellingcircus.com. She impedes it jolly and shares legends of raising youthful sons, family life after a cancer diagnosis, and family tours various regions of the world! Each narration is shared with her cool, and sometimes naughty, sense of humor. Join me on Instagram and Twitter!

The post My Son’s Home from College for the First Time. Here are My Thoughts for Him showed first on Grown and Flown.

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Player Broadcasting

This Book Is a Game

Quest 10: Player Broadcasting

December 19, 2019

This world is filled with NPCs eagerly awaiting to do your entreat. You only need remuneration them. This is irritating considering I do all of this for free. But at least I have the option available. I live in an age where I can prepare movies and television pictures, write volumes, and even originate sports, all by myself. Where I paucity, I exclusively got to find the freedom individuals who possess the skills in which I am trying. In this gumption, this life is all about attaining the compensate people who are appropriate for your playthrough. Since this life has different types of economies, I is no need were identified in which I have been able to hire staff.

This Book Is a Game can have a very lonely world at times. It is the responsibility of each player to broadcast to the world in order to find other participates. Within these disseminations should include fairly personal details for others to consider whether or not you might make a good companion. The programs should include your ventures and their results. The mode in which you broadcast is absolutely up to you, nonetheless, imaginative renderings are encouraged.

A broadcast is information sent into outer space. The requirements for the broadcasts is a status update on your mission. In this status update you are to advise your current mission and its progress. You are also to advise Mission Control on the state of the categories. You are to monitor them and communicate regular revises as to their behaviour. You must include your penetration into their behaviour. This is a report from us aliens obliged here on Earth to our fellow aliens back home. They will monitor your work and eventually gues the human race located upon the information in which we provided to them.

There is a huge problem with me doing this that clears it extremely difficult for me to get beings to help. And that is because of the secret behind my yields: my love. Because of this I have to be very reticent about what information I liberation, as if I was upfront about my duty , no one would be facilitated me achieve these goals. So I am required to be very selective in what information I discover when hiring parties to assist me. This is something that forces me to learn everything and become a jack of all trades. Because I have so much work to do to attract my mate and this is very controversial considering her senility. This life isn’t bazaar and beings with preconceived notions about how a dreamy relationship should be considered covers me in shackles. But their relationships fail. Mine can never disappoint, for she will know me closely without even ever physically assembling me. That is how I realise my job. My work is for her.

Without money endorsement you up, improvement can be very slow. Since development all comes personally out of my pocket, I are simply move slowly. This is irritating when I have the part sport abstraction in my heading and it simply needs to be implemented in real life. People are nincompoops and will likely not invest in your personal activities. Because of this, term rolls very slowly. This can be very irritating when I want to see research results now, but this is merely due to my yearning as the make will be created, it exclusively needs time to come to fruition. As a upshot my activity reflects a one somebody team even if they are I do hire beings to assist with its development. But I have to keep my workers in the dark about my true-life intentions for the project. Otherwise , no one would be facilitated me. But this is ultimately amusing as people help me find the superstar of my game: a 12 time old girl. And to be honest, it matters not if I find her in this lifetime. The only thing that matters is that my job reaches her and she follows her fate from there. But I hope and pray that this happens in my lifetime and hopefully soon. I want to enjoy my life and afterlife with my kindred spirit , not only the afterlife. So I obstruct calling in many different ways in attempts to find her.

You are an alien and you must accept this fact. Isn’t it obvious by the way beings treat you? Carefully examine the actions of these humans and then assess whether or not you are one of them. If you are not, you are an alien and you must broadcast to your parties exploiting the Internet. Mission Control will receive your reports and compile them together with the rest of ours. These reports will be used to punish mortals both in this life and the life after. Be very detailed in your reports; leave no stone unturned. Provide your conclusions with attest to support them.

At the end of the working day, if you followed God precisely, everything will turn out perfectly. As you attend, I have not finished writing this book or Atheden, which are required to complete the game. So even though the progress of the game development is slow, it runs in – perfect. God has endowed perfect timing to all of those who trust in Him completely and perfectly. Put your faith in God and known better the timing is perfect even though it seems very slow. Its hastened can be very frustrating considering you miss it is now time and know what it should be now. But that is not how growth cultivates. If we find a persona character in which we want to possess like impelling games, we have to study and use very hard to get there. We cannot instantaneously bring ourselves to where we want to be. We “re going to have to” take the ladder to got to get. But a ladder to heaven is a long and arduous journey. Be prepared to fight every step of the room. For heaven is not countenance only anyone in there. Only those with pure hearts and pure heads will be allowed through the pearly gates. And only few will be allowed in while still existing within this world. It is like we have one foot in heaven and one paw on earth. We are divided by the borders, but this enables us to take resources from Heaven and then distribute them on Earth. Let heaven rain down onto the earth. For its botany require it nutrients.

Additionally, learning new application takes time, especially considering this is software to reach recreations. There is so much involved in the software that it will take me a long time to learn it. But when I gain this skill then I creating it around with me for the rest of time. So even if they are uttering plays right now is difficult for me, eventually it will be easy. The more I learn the software, the more comfy I will get with it. This will then enable me to stimulate games easily for the rest of my life. And these knowledge are then transferable to Ivory herself. She is the protagonist of my recreation and she is my wife. I am sought for her and the most efficient way that I have found to do that is to make a game precisely for her. And this activity will trick the musician into thinking that the game in which I stirred is a software game when in fact, it is a hardware game. This means that the true game of Ivory Heart is not in the game world but the real-life world. The game world-wide is just a simulated environment which learns the truth about the real world. Yes, the truth is filtered through my subjective presentation of reality. But that is where the artwork lies. The artwork of tricking you into righteousnes is the art of The Antichrist, aka, me.

How are you currently receiving this content? Did you find it through my tournament or my website? Did I catch your attention through my marketing, my diaries, or my movies? The process of God’s fighters is to repackage the same content in many different ways. Since beings connect in many different ways, it became my objective to learn how to connect with everybody. And the game is amazing because I demanded a residence to house my books efficiently. And what style is most effective than creating a game in which can be used as a cite at any time. It is a shame that I can’t include my films in the game because they are too large. But that is okay as there are many ways to connect with other parties and my journals will give you the jist of what content is covered in the videos. As I said before, all of my work is the same. It is just repackaged for different types of parties. If you learn my notebooks then you can learn my attribute which will discover to you what I do and what I treat in my films.

Ivory Heart the game is basically a detective tournament where the participate uncovers what happened to me in real life over the last ten years. It makes backwards from my recent records to my earliest books, with one exception that will not be uncovered as it is an end game spoiler. The operations in which you take on exist in order to collect more assemblies of my bibles. And This Book Is a Game is the first book in which you seek. After you obtain all of these sections it will feel like you completed video games. But oops, you still have five other journals to collect and speak. This is going to be a huge game if the participate actually devotes day speak the books. But it will be made easy as you can run around and do substance while listening to the books. The competition has almost already been completed. It simply needs the graphical front end as well as the chapters in this book and Atheden to be completed. But as territory before, everything will come together in perfect timing. I will complete my bibles just as the game is being completed. This is how you plan and progress in life. Everything is connected and when you see that then you are enabled to expand your topic assortment to include more parties. The more you learn, the more helpful you can be to society. The more you learn, the more helpful you can be to yourself. The stellars are the limits. How far will you push yours?

We will be expecting your programmes. All aliens who do not broadcast are in breach of their contract and they will be severely rewarded. All aliens who do not broadcast are in truth no foreigners. They are merely humans who are stupid enough to consider themselves foreigners. An alien without a cause is merely a stupid human. All aliens have a purpose and that role is to spend their lives updating Mission Control as to the status of your goal. The humor present 3rd Rock from the Sun is in fact a documentary. The truth is secreted within its comedy. For foreigners do exist. I am one of them. Are you? If you feel pride when you are called a human, then you are no alien. Aliens look down on this pathetic species because we are so much more advanced than them. It will be aliens who save the world , not humans. Humans are happy with their corrupt unholy nature. Aliens spend their own lives trying to change this fucked up world for the better. If you are a human, please stop reading this volume and playing this tournament. If you are human, this material is not for you and won’t see much sense. If you are alien, your mettle is throbbing right now because you have just located a fellow immigrant. I am here for the foreigners. Humans can go now fucking themselves.

The waiting game can be very frustrating at times. But that is part of the fun in the entire experience. Life propels very slowly without fund. So don’t is concerned at it and enjoy the experience. God will help you when you need the assistance. But God also wants you to be entitled and that doesn’t happen by coddling you. When you grow up, God gives you free-spoken when you are ready. God might comprise your hand a little after you start. But the result God aims for is to enable you to be an independent person. God has situated His trust in you, so is not disappoint. Work for God out of the kindness of your own heart. Do not work for some selfish represents. Put your soul on the line and was informed of the influence in which God gifts His warriors. For we are angels and demons. And angels and beasts are aliens.

Welcome to the family. We are the misfits and we have super capabilities. If you don’t believes me then you are so stupid that you are unable to examine what I have done with my life over the last ten years. If you have any doubts as to me being who I say I am, then you are human and you are now reading something in which you shouldn’t. This isn’t for you and I would appreciate if you would piss off so that I can focus on helping their own families improve the working day to daytime lives through the help of God. If you are one of me, I love you. Let’s take over this debase life. Let’s not take no for an answer. For I am no exponent of republic. Political scientists get the same one referendum as some Arkansas inbred. The leaders of this world are those who accept that position. I admitted my situation as monarch of the world. Do you countenance your position? Now where is my mistres? For she is King. Long live the King! My Queen.

http :// nesmith.net/ this-book-is-a-game

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First Access Visa® Credit Card Review

If you’re having trouble getting a credit card because you’ve got poor credit, then the can potentially offer you a second chance to rebuild your credit. With small starter and cash advance limits, you’re likely to stay on track with payments and become more confident with your finances. Additionally, First Access Visa® Credit Card reports to major credit agencies monthly, so you’ll be able to improve your credit rating relatively quickly.

However, a major drawback is the card’s high fees compared to other cards in the credit-building category. You can expect annual and even monthly servicing fees. The APR is hefty as well, so it’s important to repay outstanding balances each month to avoid high interest charges.

What we like about the First Access Visa® Credit Card

  • You may be approved even with poor credit, offering you a chance to build on limited credit history or rebuild damaged credit.
  • This card has friendly features to build credit, such as a low credit limit to start and cash advance limits. It is designed to make it easier to repay outstanding balances each month and demonstrate financially responsible behavior.
  • Monthly servicing fees and cash advanced fees are waived in the first year while you get into the rhythm of better financial habits. Fees are also clearly explained.
  • There’s a straightforward application process, with a quick decision in as little as 60 seconds.
  • It’s an unsecured credit card, meaning you won’t have to pay a security deposit.

Things to consider

  • There is no getting around the fact that there are a lot of fees with the First Access Visa® Credit Card. Once the monthly servicing fees kick in from the second year, this card becomes even more expensive to maintain.
  • While the small starter limit of $300 makes sense as a credit-building feature, it renders this card almost impractical as an emergency financial resource. Since the annual fee is assessed upon card issuance, you’ll only have an initial available limit of $225.
  • You’ll have to wait for a year before you can access a higher credit limit, and it’ll cost another fee to have it increased.
  • Although using a credit card for a cash advance isn’t generally recommended, it’s still worth noting that you’ll have to wait at least 90 days or three billing cycles from the account opening before you can get cash out with your First Access Visa® Credit Card.

First Access Visa® credit-building details

Despite its steep fees, the can put you on a path to better credit if used the right way. By having a small credit limit to begin, there’s a lower risk of overspending and getting into debt. And as you get into the habit of repaying your outstanding balance in full each month, you’ll start to develop the kind of responsible behavior lenders look for when evaluating creditworthiness. First Access Visa® Credit Card reports to three major credit agencies monthly, so it won’t take long for your credit to improve.

Apart from having a waiting period before you can withdraw cash from your credit card, there is a further restriction to deter the regular use of cash advances — your unpaid cash advances cannot be more than half of your credit limit.

First Access Visa® Credit Card fees

The involves a painful number of fees, partly because the card issuer is exposed to higher risks by providing unsecured finance to people with poor credit history.

Upon joining, there is a one-off program fee of $95. The annual fee is $75 in the first year, then lowers to $48 per year thereafter. There is a monthly servicing fee of $6.25 (so $75 a year) and cash advance fee of $10 or 3%, but these only apply after 12 months.

Fees for late payment and return payments will cost up to $40, depending on whether you’ve incurred similar charges in the previous six billing cycles. There’s also a credit card limit increase fee of 20% of the amount of increase. However, you won’t be subject to over-limit fees or penalty APR.

How does it compare to other credit-building cards?

The is a worthy option if you have been struggling to get approved for a credit card. However, if you’re looking for a credit-building card with lower APR and no monthly servicing fee, the is a top pick. Its annual fee is tiered according to creditworthiness, but even at a maximum annual fee of $99 per year, the Indigo® Platinum Mastercard®’s lack of monthly servicing charges still makes it a cheaper alternative.

If you’re looking to skip the annual fee altogether, the is the way to go. The downside is that you’ll get an even smaller credit limit of $200, and you’ll need to make a security deposit as well.

Card Purchase APR Annual Fee Intro Bonus Credit Needed Key features
34.99% APR $75.00 for first year. After that, $48.00 annually No monthly serving fee the first year, then $6.25 per month thereafter; $0 cash advance fee, then $5 or 5% thereafter. Poor Widely accepted but can only be used in U.S.; Credit building: monthly reporting to major credit bureaus, small credit and cash advance limits; No overlimit fee or penalty APR
Indigo® Platinum Mastercard® 24.90% APR $0-$99 $0 cash advance fee, then $5 or 5% thereafter. Poor Widely accepted in U.S. and abroad; Credit building: monthly reporting to major credit bureaus, small credit limit; Pre-qualify without affecting your credit score
Capital One® Secured Mastercard® 26.74% (Variable) APR $0 None Limited, Bad Widely accepted in U.S. and abroad; Credit limit of $200 after you make the required refundable security deposit of $49, $99 or $200; Credit line increases after five months of paying on time

The bottom line

The comes with expensive fees and no rewards program, but if your sole purpose is to rebuild credit, then this card can help you do that. With monthly reporting to three major credit agencies, your on-time payments will be recorded and used to calculate your credit score. So as long as you remain diligent, you’ll qualify for cheaper financial products in the future.

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.

The post First Access Visa® Credit Card Review appeared first on The Simple Dollar.

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Two Search Terms That Should Keep Your DOS Up At Night

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The economic pressure for radio ability into 2020 is becoming obvious and palpable. While broadcast execs urge “live& local” as one of radio’s steel swords, the reality is that most are looking for efficiencies and cost-savings, whether it involves program, make, on-air, auctions, infrastructure, equipment- or all these rate areas.

As radio fellowships increasingly duke it out with world tech corporations like Facebook and Google for neighbourhood ad dollars, economies of scale become even more important for regional broadcasters.

But the ambiguity is that radio’s biggest digital contestants are increasingly turning their turrets in the regional attitude. Retailers need cure. They’re engaged in their own existential interruption, rivalling against Amazon and other e-commerce companies and discounters. More and more, buyers are tending away from plazas and Main Street for online browsing, looking for choice, personalization, easy, and same day delivery. How can a small neighbourhood corporation vie?

Google thinks they have the answer, and it’s a clarion call to radio auctions both managers and strategists attracted attention. The title of a recent fib in Retail Wire by Tom Ryan says it all 😛 TAGEND

“Will Google do’ leading local’ to another level? ”

In a Google blog, the company says it’s seen search for “local” and “near me” increased a whopping 350 durations over their metrics from simply a decade ago. What does that say to you about how consumers ascertain the patronize environment?

To respond to this increased interest in encounters nearby places to eat, shop, hang out, and liquor lattes within treading length( or a short drive away ), buyers are turning to technology to get geo-mapped instant gratification.

And reading their own tea leaves, Google has come up with two different concepts designed to help neighbourhood business take advantage of the these changing fiscal breaths: Regional and Shopping campaigns.

Here’s how they’re integrating Google Search, Google Display Network, Google Map, and YouTube to appeal to the same hometown brokers your sales crew is targeting 😛 TAGEND

“You provide us with store sites, safarus budget, and ad assets. Expending these inputs, Google’s machine learning technology will automatically optimize proposals, ad placements, and asset compoundings. The outcome aims to maximize store tours and promote your locales across Google belongings and networks.”

Simple, right?

And having your claw lounge or hardware collect show up with orientation pins in Google Maps isn’t time compelling and attractive to regional business owners- it’s survival.

We won’t know for a few weeks the fee that Amazon and others are taking on brick-and-mortar regional organizations, but we can certainly guess. We’ve been asking the anniversary shopping question in our Techsurves the past duet years.

Not surprisingly, more and more shoppers sitting at keyboards or impression over their phones this time of year, rather than braving the brave, trafficking in human beings, the parking lots, and the crowds.

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The icing, as “theyre saying”, is on the cake.

This new Google technology includes ads, photos, prices, and other intelligence( in-store pickup, delivery options) so buyers can quickly make a decision. From a retailer’s point of view, what’s not to like?

So, what’s the answer for regional sales squads, radio auctions districts, and assembles who know the turf, have the contacts, and offering other assets- on-location backing, on-air commercials and promos, identity impressions- and other tools merchants aren’t going to be from Google?

Isn’t it about strategizing how regional radio marketings crews can use their knowledge, their footprint, and their technology to help local retailers effectively were engaged in the e-commerce marketplace?

Eleven or so years into the mobile app revolution, just about every radio terminal- or radio busines- has one. Truthfully, many broadcasters inexpensively checked off the box, propelling “the worlds largest” inexpensive app they could find. And while that may have been understandable a few years back, the need to re-imagine how mobile apps can problem-solve for radio firebrands has never been greater.

Sure, an app will play your torrent. Or direct your public to your podcasts. Or expose artist and title report for the music you play.

But portable was just the way for broadcast radio to hug the neighbourhood store challenge by developing simple apps who the hell is regionally located, including retailers and other businesses offering agreements, marketings, and other knowledge purchasers can manage with time a swipe and a glance.

When we started our mobile apps companionship- jacapps- about 100 daylights after Apple opened its App Store in the summer of ’0 8, we foresaw mobile phones could do more than merely imitate a Walkman.

We recently designed and launched an app for 2060 Digital- Cincy Savers – that is gearing for this fruitful financial territory. And with the strength of a strong radio cluster blogto drive downloads, distributes, and scrutiny, there’s no reason why neighbourhood broadcasters can’t commit to helping neighbourhood retailers on their home turf.

Yes, my company has a horse in this race, but that’s not what this upright is about. Mobile is the technology consumers carry everywhere, use it to not just find locales, but agreements, auctions, inventorying, and other ways to spend their fund in an economy that is continuing to boom.

It requires financing, programme, and teamwork to develop and roll out a retail shop app, and then populate it with hometown businesses itching to connect their records with your audience.

But the benefits are obvious. To demonstrate their ongoing placement in a station or cluster app, retailers compensate a recurring monthly cost, generate a sustainable economic framework unlike anything radio sales teams have enjoyed. Imagine starting every month with a revenue cornerstone that doesn’t eat up precious on-air inventory.

Google is double-faced down on neighbourhood because it considers an financial terrain rich in possible, especially as retailers are being challenged to their highly core. Radio should, too.

Local broadcasters are in an even better position to reap these same benefits, thanks in no small percentage to their time in grade in world markets, hometown springs, strong public force, and boots on the ground.

“Local” and “near me” should become part of every radio auctions team’s mantra.

You can introduce a rod in that.

Read more: jacobsmedia.com