Three Critical Concepts for Financial Self Defense

I didn’t start out as a finance expert but I did have an advantage. As a scientist I had been trained to interpret data and question assumptions. I also had related interests which later led to an MBA and new directions in my career. Unfortunately, most people are not as protected when they first start to learn about investing.

Talking to friends and family today; it often stands out to me just how little many of them understand about the basics. These are intelligent people who often find themselves completely confused when trying to figure out how to invest their money. Remembering back to when I was first starting out, it’s not hard to understand why.

When I was starting my career and looking to start investing, I received very little good advice about how to invest. The big turning point was when I went in and talked to an “expert financial advisor” at a local bank. I was immediately peppered with complex descriptions of many different financial products, dire warnings about the consequences of trying to go it alone, and a portfolio of “investments that were exactly what a young fellow starting out needed.”

The conversation changed quite a bit when I took a few minutes to skim the mountain of data and fine print and I had been handed and then start to ask some questions of my own; including some rather sharp ones on all the fees I saw peeking out here and there. The conversation ended quickly once I turned my eye to the “performance” charts and dissected out the various tricks and traps that had been used to generate the impressive looking hypothetical returns for their particular brand of snake oil.

After this experience, I realized it was up to me to learn whatever I needed to. After learning enough to separate the real information from the sales pitches, the rest was much easier. Getting those first few basics together is the major hurdle for most people. From my personal experience and what I have found from talking to others, below are the crucial three concepts to understand:

The importance of time and compounding.

This explains why it is important to start early and not put it off until “later.” Also, understanding the long term rewards helps in planning and is the key concept to helping determine what risk you are comfortable with.

The risk/reward trade off and what “risk” really is.

Truly understanding the many types of risk is important for financial self defense. Simply stuffing your money under the mattress won’t protect you, you have inflation risk! Knowing how greater returns are linked to greater risk will help you determine when it is okay to take a little more risk or when you need to be more conservative. Most importantly, this protects you against the sales pitches. If it sounds too good to be true, it usually is.

How assets perform long term and how diversification works.

This final concept is important to not only create but to maintain a properly diversified portfolio. Otherwise, it can be very difficult to take the important but counterintuitive step of selling recent winners to buy recent losers.

Choosing the platform where you invest your money in is one of the important things that you need to pay attention to. Nowadays, there are several instruments where you can grow your money. But you have to be smart and strategic. Immobilien is one of the best ways to invest.

After you understand these, the rest is relatively easy. You need to know what the types of accounts are 401(k), IRA, Roth, etc. As this is all tax related, it can be very confusing but the benefits can be explained clearly and there are many resources to help. The next key step is to learn specifically how to set up and diversify your investments using low cost index funds. If you understand the three concepts above, all you have to do here is find a reputable company, open an account, and pick your allocation. Finally, the most important skill is just to know where to get help when you need it. There is a wealth of resources available ranging from personal finance blogs to articles in news sources such as Yahoo! Finance or even an introductory course at a community college. The first step is the hardest, after that you find that a little knowledge goes a long way.

Essential tips for growing your brand on Instagram

Instagram is the best platform on which tons of people uploads their daily life happening in the form of posts or stories. On the other hand, there are some people who run a brand or business over Instagram. If you are one of those who need to grow your brand over Instagram, then you should stay till the end.

 Also, you should not forget to use InstaPrivateViewer, which is the application with the help of which you can view the private profiles of the users without even following them.

Some of the unheard tips are as follows.

  • Gain followers-

Your main focus should be on gaining followers over Instagram. It can be done by following random people online, or on the other hand, and you can buy the followers legally with the help of online services.

  • Tell out the stories-

You should tell out the stories by posting it or upload it in story mode. Do not forget to tag people and ask them to share it because it is the only way in which you can gain reach as well as followers in no time.

  • Posts-

You should keep posting regularly over Instagram so that people can stay up to date in terms of what is going on in your brand. If you are new, then you should focus on creating an attractive post for the people out there.

  • Keep connected-

Keep connected with the people is the only way in which you can able to be in touch with the people. You should never made them feel left out because that will be going to leave the negative impact on your brand. You should not only help them to understand, but also you should tag them in your post to make them feel special.



Build Real Followers on Instagram with these Tips

Instagram is considered as one of the best platforms for wide variety of endeavors. Whether it is for your business, brands, or blogs, Instagram is certainly an effective medium to do your advertising and marketing activities. However, with lots of people and businesses who are using the same platform, the competition now is quite fierce. Hence, it is crucial that you know how to put your best foot forward by growing your followers on Instagram. To help you out, this article will provide you some tips on how you can build real followers on one of the commonly used social media platforms across the globe.

Use the right hashtag

Hashtags are one of the engaging elements on Instagram. Using the right and relevant hashtag will definitely help you in increasing your followers. It also makes the lives of people to locate your photos when they are searching for specific items.

Use the right filters

Another element of Instagram that you need to pay attention to is the filters for your photos. Yes, there are numerous photo filters on the platform such as lark, Ludwig, Valencia, clarendon and so many more. But it is your task to choose the right filter so your photos will appear catchy and interesting to people.

Post Regularly

It is crucial to have a schedule of your posting activities. Always keep in mind that people are looking for something new and they want to be updated. As such, you should post your content on a regular basis so both your existing and future followers will be aware of your page updates.

Use Sponsored Ads

Another tip that you should consider is to use sponsored ads. Nowadays Instagram seems to be a commonplace for advertisements. This is because the sponsored ads are proven to be effective in generating leads, boosting site traffic and so as increasing followers. To help you more to grow your followers, visit this site:

Top 5 Self Help & Motivation Books

Self help and motivation is something I dive deep into, because I have a lot of goals I want to accomplish in this lifetime. If you are like me, then this article will be very helpful to you. If you want to accomplish any goal or dream it’s going to take hardwork, and self improvement so you can stick it out over the long haul and not give up when you half way there.

Each of the self improvement books on this list are books I have actually read, sometimes two or three times for extra motivation. Some motivation books are provided to the patients suffering from mental illness from andy frisella. The mental health will deliver success to the person in the career and meeting with the impossibilities. The information in the books is adequate and essential for the patients treated for mental health. 

  1. Think and Grow Rich by Napolean Hill: Most of you heard of this one and if you haven’t you need to go out and read it several times it is that good and will get you rolling in the right path towards personal development. This actually the first book I’ve read in it’s entirety, now I’ve read over 50 books this year alone!
  2. Who Moved My Cheese by Spencer Johnson: I found this small book on my mother’s book shelf one day and decided to give it a read, because I was feeling really depressed at the time. After reading it gave a boost of energy, reading about mice and how the manuver through different challenges. Of course the story about the mice correlates to people in general. This was definitely a notch under my self help belt.
  3. 7 Habits of Highly Effective People by Stephen Covey: This is also an all time favorite. I remember we had a class in high school dedicated to this book and this book alone. I was very surprised and back in high school I took the class for granted and basically just skipped and skimmed chapters. Once I got into adulthood I went back and purchased the book and really read it to extract value from it.
  4. The Brand You 50 by Tom Peters: This book is mostly about branding yourself and becoming more unique so you standout from the crowd. It is aimed at indivduals in corporate America but can used for anyone trying to brand themselves and stick out more from the crowd.
  5. Awaken the Giant Within by Tony Robbins: This book is over a decade old, but it still holds tremendous value for your self help and motivation needs. This actually a blueprint that will get you anything you want in life. Everything that you desire is very attainable if you follow the blueprint outlined in this book. This book should of been first on the list because it has made a great impact in my life. This book is a MUST have, if you don’t read anything else in your life read this, it’s that good!

So the only left to do now is go out and purchase one of these books and start reading! You can’t begin to have success if you are not motivated and your not constantly seeking new self help material.

Making Money Online: How To Avoid Becoming a Broke Blogger

Whether you’re just getting into blogging or are looking for new ways to branch out in our online writing, learning how to monetize your hard work needs to be your top priority. There are thousands of blogs that offer ‘writer’s credit’ or very low pay for beginning bloggers, but that doesn’t mean that you need to join a network that turns you into a broke blogger.

In most cases, blogging requires just as much effort and diligent research as article writing and your work needs to be compensatd accordingly. If you’ve joined a blogging network that pays you based on page views and posts, marketing will need to become a strength. If you’ve created your own blog and are looking for advertisers, building traffic quickly and efficiently will help you become more appealing to high paying advertisers. Each and every blog has a unique status on the web, and experiences a range of growth spurts throughout it’s lifetime; however, not every blogger behind it is generating enough revenue to make it profitable. Avoid becoming a broke blogger with a few simple strategies:

Start guest blogging.

This can help you build up a fresh new audience on a regular basis, and increase exposure to your site and relevant links. Send a quick e-mail invite to blogs in your industry that may be looking for creative content and new ideas.


If you’re looking for a new way to attract visitors to your site, consider podcasting as a way to enhance your blog. Podcasting tools are readily available, and take just minutes to set up. You can provide an audio recording of your longer blog posts for simple downloading; whether you choose to charge for access will depend on the type of audience and general demographics of your readers.

Start an ezine.

If you have a steady RSS subscriber list and are seeing continuos growth in traffic, consider launching an ezine for download. Many readers enjoy having a ‘static’ piece of content to refer to, especially if the topic really resonates with them. Ezines can be monetized by using referral links within the text, or even selling copies at a low rate. With a registration at site, there is minimization in online fake blogger. The content at online classes should be great to meet with the requirements. The information with the subscriber is real and accurate for learning of online courses. The enjoyment should be great with checking the reviews.

Host a webinar.

Blog readers are beginning to enjoy spending more time on blogs, even if there is no website attached. This emans you can start using a variety of media presentations that can geernate larger amounts of traffic with ease. Consider hosting a webinar on a particular topic, and invite readers to participate.


Getting your name out to the public doesn’t have to be restricted to your blog. If you have the confidence to teach and speak about your topic, consider becoming a featured speaker or presenter in the community and hand out blog business cards to drive traffic to your site. You may also consider charging a small fee for attendance.

These are just five ways to boost your blogging efforts from the trenches and start improving cash flow. Consider using any or all of these as you start to promote and grow your blog or website, and avoid the broke blogger phenomenon completely!

A Coffee Gift Basket For The Coffee Lovers You Know

Everyone has that one person in their life that cannot be spoken to until they have had at least two cups of coffee. Some people are married to that person while others may only work with that person. Nevertheless, coffee addicts are everywhere and the การเลือกเมล็ดกาแฟ trend is not dying out anytime soon. There are coffee houses and drive-thru chains on almost every corner. Gourmet coffee is something that people will pay $4 a day to consume. If you know someone in this position, try giving them a coffee gift basket for their birthday. A coffee gift basket will not cost you an arm and a leg and it will be the perfect gift for the coffee addict in your life.

When it comes to coffee gift baskets, there are certain things that you should include. The first thing is a nice mug or mug set. Coffee drinkers typically enjoy larger mugs. This is most likely because they allow them to indulge in more coffee at a time while letting them think they are drinking an average amount. When a large mug will serve two servings, a coffee addict will assume it serves one. Choose a trendy style for a younger coffee lover or a more traditional style for an older coffee enthusiast. Solid colors will also work well for anyone.

After choosing the perfect mug or mug set, travel to the nearest coffee house. These places specialize in coffee. You will have a large selection of coffee to choose from, some of which might be made right in the coffee shop itself. If you are not an avid fan of coffee, the experts at the coffee shop will be able to make suggestions to you and offer their opinions.

Choose several types of coffee. You can get it in bean form or ground. If you are not sure which type to get, consider getting one of each. Add this to your basket along with the coffee mugs. Then purchase a few special coffee spoons. These will make your basket look wonderful and add substance. To finish your basket off, add a box of chocolate coffee stirs. These are so delicious the recipient might even eat them without coffee, although it is doubtful. Once you have everything you need for your basket, all you will need to do is arrange in a nice looking manner. Presentation is a key for gift baskets, so play around until you get a great looking basket.

A coffee gift basket can also be great for your coffee drinking boss or a neighbor. Over half of the population loves coffee, so you can almost guarantee they will love it as well. This is a great gift to give a college student or a teacher too. The coffee gift basket is so versatile you can almost give it to anyone. Remember to add all of these elements and your gift basket will turn out simply lovely. You might even want to make one for yourself!

Ways To Make Money Blogging

There are literally dozens of ways to try and bring in a small second income online and some work better than others, for instance, the Evergreen Wealth Formula 2.0 is a really popular way in this space.  Besides that, Blogging has become so popular over the past few years is that the ones who are successful at it can make enough to supplement their income fairly well and a few rare successes can do it full time.

New programs however even allow you to make money just from being chatty on Social Networks, imagine if all you do is build a big Twitter and Facebook following and make $50-$100 per month just sending a few advertisement messages every few days. This seems like a scam or a raw deal, but these programs do work if you invest the time to build quality followers and are more than just a marketer.

When blogging, know that the number of visits your website gets and the Google PageRank your site has the most effect on the earning potential of your blog. A higher PageRank will net you more requests from advertisers for backlinks (which is where you will be asked to create a keyword link to the advertiser’s site and be paid for it). They do this so your PageRank can flow to their site and increase their own sites listing in the Google search results pages.

Here are some programs online that can make you money with your blogs specifically: is a program where established bloggers will earn money for doing reviews of advertisers’ products or services. This is a trusted company that has been paying bloggers for years and some of the biggest names in the online industry like Chris Brogan and Chris Pirillo occasionally use the service to earn some money for sponsored blog posts. Some sponsored opportunities range from $5 to $250 or more but to qualify for anything over $25 your blog needs to be a key player in site traffic and other ranking factors. is another system where bloggers are paid to either do a review or host a few links for the advertiser’s website in their posts. Typically you can make between $2.50 and $10 per article depending on the Google PageRank of your blog. is another online program that pays bloggers to write reviews or includes links to a companies website and you can earn $5 or more per article based on the popularity of your site. is another option and has an advertiser marketplace where you can bid on opportunities that are open to your blog. This company pays out weekly so you receive payment faster than some of the other paid blogging companies. is another good choice but has a pretty high minimum so blogs that have higher PageRank tend to get better offers. is a good choice for beginning bloggers who don’t yet have a large following or high PageRank. They will pay you mostly to insert keywords with links into posts and pay you a set rate. You are given assignments and must complete them by the due dates. This is the most stable blog earning system and one where you are given assignments rather than you having to go and find them like some of the other earning programs. One note is you can’t use PayU2Blog and SocialSpark or PayPerPost on the same website, it is prohibited by the PayU2Blog team.

Leveraging a combination of the above systems can realistically net you between $100 and $400 per month depending on how many blogs you run and the traffic and Google PageRank of your blogs. This isn’t enough to live off of, but it is enough to help with bills or make a car payment. If you have a particularly successful site with a PR6 (Google PageRank) or 200,000 visits per month then you could make over $500-$1000 per month from blogging.

There are many more programs to try out there and some work better than others. One thing to consider is many sites restrict to residents of the US and/or Canada, so check with each program if you are blogging from outside the United States to see if they accept International bloggers.

Top 5 Car Accessories Of 2020

It is really important that you keep yourself safe as you drive. Just like that, there are certain car accessories that you should always keep in your car. You might already be familiar with the importance of things like but in this article, we are going to take a look at all the latest gadgets that are not only handy but also keep you safe as you drive. 

  • Stinger

This is a really useful tool that you can use in order to escape from your car during an accident. This is a small handy device that you can use to shatter the glass of your vehicle easily so that you can escape quickly. You also get a hidden slim blade that you can use to cut through seat belts during emergencies. 

  • USB Charger

With everything going modern and compact, we now have USB chargers that are really useful for travelers as they can charge their mobile phones and other devices on the go. These USB chargers are really affordable and keep your mobile charged all the time making it more convenient for you. 

  • Dash Cam

With the help of a dash cam, you can record your road journey and that makes it a great tool through which you can also determine the fault in case you suffer an accident. Moreover, your location is also recorded as you install a dash cam in your car. 

  • Heads-up Display

This is a futuristic display that allows you to navigate your vehicle without constantly looking at your mobile phone. Most of the expensive cars out there come with this technology, however, you can also get one for yourself in order to make your driving safer and more convenient. 

  • Car Key Finder

This is a really great and practical tool for people that end up losing their car keys. As you lose your car keys, you had to pay a lot in order to get a new set of keys. This is where this gadget will help you in keeping your car keys with you all the time. 

These are the top 5 car accessories that every car owner should have. 


How To Get Instagram Followers?

Looking for Instagram Likes? Getting your first few likes can be quite a handful, don’t it? But don’t worry. In this article, we are going to give you a few tips on how to start off.

Post Consistently

The first rule in gaining a following whatever your social media platform may be is let yourself be interesting. And how do you be interesting? You need to consistently post content that is relevant to your niche. By doing so, you will be able to attract followers that are interested in your category. 

Post At The Right Time

Sometimes you think that people don’t like what you’re posting just because you are getting little to no reactions. But the truth could be that people just aren’t seeing your content. There are lots of Instagram pages just like what you have. If you want your content to be on top of people’s timeline, you need to post at the right time. You can use your analytics to see when is the best time to post your content.


If you are new in the industry and are really having trouble attracting people then the best way to reach out to your target audience is to start advertising. Instagram offers lots of advertising options for you at the most affordable prices. 


You cannot just wait for people to engage with you. The surge of activity needs to come from you. We highly recommend that you start engaging with other Instagram communities. The moment you do you will be able to connect and interact with lots of people. We are pretty sure that this is your way of building up your following. 

Define Your Target Audience

You are really going to have a tough time getting a following if you don’t even know who you are supposed to reach. Narrowing down your choices with regards to this should be the first step you take. 

Rule Your Weight Loss with Fruits and Veggies

Do you want to lose a few or maybe even more than just a few pounds? Maybe you just want to look great in your new swimsuit. Well, the secret is to eat more fruits and vegetables and try one of the most effective weight loss programs such as Modern Fit. The food pyramid defines the foods we should eat and how much of each food we should intake on a daily basis. We should all have at least five to nine fruits and vegetables a day.

How is that possible you ask? Well, it’s very simple. You can start out your day with a tall glass of fruit or vegetable juice. That is one fruit or vegetable right there. Next, you may want to add some blueberries, strawberries, raspberries, or a banana to your bowl of breakfast cereal. This would be your second serving of fruits or vegetables for that day. Breakfast is one of the most important meals of the day and starting it off as a low calorie and healthy meal is a great start to anyone’s morning whether you are dieting or just trying to eat healthily.

For lunch, you may try a garden salad with a side of fruity yogurt. Both are very low calorie and contain your much-needed servings of fruits and vegetables. You’re probably thinking, “That’s not going to fill me up”. You may be right. That’s why there’s always a mid-afternoon snack option. Don’t think about donuts, chips, or a candy bar. Think healthy, think fruits and vegetables. Carrot sticks, celery sticks, an apple, some grapes, or perhaps a banana. These are all great snacks and can usually tie you over until dinner.

Your home and now you’re planning on what to make for dinner. You have a lot of great options in that department. You want to make something very low fat, and still get all of you much needed nutrition. Perhaps a side salad for starters. This will give you another serving of vegetables that you need for that day. Following the side salad, perhaps you could make a baked potato with broccoli. There you have even more vegetables. And then fill your plate with the main dish. Perhaps you made meatloaf or steak. You can also add even more vegetables as your side items such as green peas, corn, or green beans. You can never eat too many vegetables.

You’ve just finished dinner and now you want something sweet. Fruits can fulfill that sweet tooth you may have. You know the one, where you go raid the freezer for that delicious Rocky Road ice-cream or that last half of cheesecake just sitting there all alone in the refrigerator. Make a fruit salad with lots of apple slices, grapes, pineapple, pears, peaches, and don’t forget the cherries to top it off. Fruits are packed full of nutritious vitamins that your body is craving.

These are all low-calorie foods that you can enjoy any time of day. If you keep vegetables in your life, you will soon be losing the weight that you have been dreaming about.