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4 Ways to Fund Your New Business

If you’ve ever thought seriously about starting your own business then you should also have given some thought to the issue of how to find the funding that will help turn your ideas into reality. These matters are, of course, key considerations in the context of starting up a new business of any kind. After all, without cash, even the best business ideas are destined to remain unfulfilled and forever on the drawing board. There’s no denying that funding new businesses can be challenging but it is important to note that there are more ways than ever for start-up operators and entrepreneurs to access the financing they need at different stages of development. Here’s a look at FOUR of the best: 1. Crowdfunding Crowdfunding, otherwise called peer-to-peer lending, is a rapidly expanding means of matching up businesses and ideas with financers and investors. The process is enabled through online platforms and essentially allows companies to raise cash and borrow money on the basis of
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How to Become a Better Writer and Get Paid (With Hundreds of Resources)

How do you become a better writer? You write. There s no shortcut. You write as much as possible everyday is best. You write when you don t feel like it and when do feel like it. Make friends with other writers so you can share your work and get feedback. Writing comes with practice like most things that are worth doing. The ultimate goal, especially with a blog, is to write how you speak. That s much easier said than done. You ve got to write all the time to find your voice in the words. You can even try a speaking program like Dragon NaturallySpeaking Home that will actually type the words as you speak them. Some people prefer to write like this, but the end goal is to be able to write exactly how you speak whether you have a speak-to-write program or not. Here s how to become a better writer and actually get paid Before we go on, check out Copyblogger s guide to becoming a better writer: My Top 3 Writing Tools There are so many free writing tools out there. I would highly recommend
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If You Want Freedom, Limit Yourself

What s the point of productivity apps, to-do lists and organizational methods? Why does an article about 10 quick productivity hacks catch your attention so easily? The answer is simple: freedom. We re all looking for more time and ways to work smarter, not harder and we should be. But you may be missing the first step. What s the first step? Well, if you want more freedom in your life, first you must limit yourself Why Another Tool, App or Hack Isn t the Answer Increasing your productivity is awesome. Half of this blog is dedicated to doing exactly that, but it s important to increase your productivity in the right areas. You may be spending hours to make something more efficient, when in reality, it should just be eliminated. Tools are great for working smarter and getting organized, but first, figure out what needs to go. Then you can start using the tools to make yourself more productive with what s left. What You Need in Your Life What is truly important to you? Family? Relations
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10 Morning Rituals of Successful Entrepreneurs [Infographic]

There s something special about the morning hours and that s why you ll often find successful people taking advantage of those hours. These routines are very different from each other, which goes to show that there s no right answer on how you should conduct your morning ritual. There s no one-size-fits-all answer, but you can get some ideas for your own ritual. You re not going to stick with a ritual you don t like, so add the stuff you like and leave out the stuff you don t like. Also, these entrepreneurs are successful, but that doesn t mean they have everything figured out. Simon Cowell hits the snooze button, which continues to be shown as having a negative affect on your energy. Again, just because some successful person does it, that doesn t make it right, but we can learn from them both positively and negatively I ve written about my morning ritual as well, if you re interested in reading it. Without further ado, here are the morning rituals of 10 successful entrepreneurs Info
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3 Ways to Get Seed Capital to Start Your Business

This is a guest post by Nate Vickery. Interested in writing for us? People can be divided into two groups: those who have their noses to grindstone and earn merely to survive and those who raise their heads and decide to do something meaningful with their lives. If you still think that being a member of the first group can get you anywhere further than paying the bills, you are wrong. The only thing that keeps an economy alive is an active and fluctuating market, comprised of private businesses. But to join that club, you need initial assets, also called seed capital. Here are 3 ideas for generating some seed capital 1. Getting loans from your friends This way of collecting capital to start an enterprise of your own is a great option, given that the business becomes a successful one. However, it is even riskier than borrowing money from a bank. Friendships can easily fall apart if money becomes an issue. So, to protect both (or all) the sides in the money-lending/borrowing process amo
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5 Tips to Help You Start Your Emergency Fund

This is a guest post by Anum.  Read more about her after the post.  Write for us. How to Save articles always include the tip Build an emergency fund, and for good reason. As its name implies, an emergency fund tides you over during unexpected events – like fires, accidents and sudden deaths in the family. Essentially, it s your last line of defense finance-wise, in case you end up in a situation where you have no other sources of cash. That s why it s important you know how to build an emergency fund from the get-go. For that, here are some guidelines you can follow 1. Write Down Your Emergency Fund Goals Ask yourself, How much do I want to save? Dave Ramsey suggests that you stash at least $1,000 in your account. This may or may not be doable for you. If it s not doable, don t fret. You can aim for a lower amount, like $500 or $300, depending on how much you can afford to set aside every month. What s important is you re able to increase your emergency savings, bit by bit, no m
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Why You Shouldn’t Search for Lists of Student Discounts (And a List You Can Actually Use)

I started to write a gigantic list of everywhere that offers a student discount and then I thought twice about it Why waste your time searching for companies that offer discounts when there is a better alternative? Here s what you should be doing Start by Asking Everyone These days most businesses do offer some type of student discount. If you re in a college town, you ve probably noticed that most places offer a discount. A Pizza Hut or a Chili s in other towns may not, but in your college town they do. Or at least, they have cheap specials directly for students. So why search for a list of discounts when you can ask everyone? Even if they don t advertise it, many places will give a student discount. This goes for military, firefighters, AAA and police discounts too. There s no need to look for a list if you can always remember to ask. I m in the military and I don t go anywhere without asking for a military discount. I m also a student so I can usually get something. If they don t h
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Choice-Minimal Lifestyle: How to Focus Your Time on What Matters

We are always trading our time for something. Everything we do is a trade-off. If you want to be happy, accomplish your goals and live a fulfilled life, you ll have to stop focusing on what doesn t matter and start focusing on what does. How do you do that? You ve got to take your time back. Start by spending less time on these 5 things: 1. Spend less time on what to wear Create an easier method for getting dressed, like eliminating things in your wardrobe that don t match. This way you ll know you can wear any shirt, shoes and pants together and they will match. Or you could go even more minimal and use a method like President Obama s idea to only wear blue and grey suits. Focus your time and energy on more important things. Some people are actually starting to wear the same thing everyday to avoid this daily decision and focus their time on what matters. 2. Spend less time on what to eat Separate your meals into two categories: meals for fuel and meals for pleasure. Instead of using
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5 Simple Ways to Save Money When You’re a Student

This is a guest post by Rachael Everly.  Read more about her at the end of the post.  Write for us. More often than not, college students are constantly facing shortage of money even if they have managed to acquire a student loan. While the funding may appear to be enough when you get it at the beginning of the term, it is not long before you realize that you will need to seriously budget to last it throughout. This is the hard part; budgeting, to make sure that you do not run out of money before you receive your next funding. However, it is not so difficult that you would term it impossible. I would like to list down a couple of saving tips for you college students. 1. Save Money on Food You do not have to live on scraps of food. No, this is definitely not what I am trying to say. But you can definitely save a lot by planning out your meals rather than getting a takeaway on your way back home. You can buy the ingredients and cook up your meal at home. It would be cheaper along wit
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How Changes to Worker’s Compensation Laws May Affect Your Injury Claim

Workman’s compensation is designed to provide lost wages and medical care to workers who’ve been injured on the job. Unfortunately, the current system is bureaucratic, and favors corporations over people. Because of laws passed in 2012, which were designed to make the process easier for employers and victims, there are now apparent loopholes, and many unscrupulous employers are exploiting them to their benefit. In lieu of suing employers, workers are eligible to receive workman’s comp benefits for as long as they’re in need of medical care. Once they’re able to return to work, the benefits expire. In its glory days, workman’s comp was a functional program that helped everyone involved. Today, it’s a bit of a mess ARAWC Opt-Out Protects Corporations NOT People The Association for Responsible Alternatives to Workers’ Compensation, or ARAWC, is a group heavily funded by “hugely-profitable retail chains and other corporate behemoths,” according to Jim Hightower, Americ
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Why I Finally Decided to Step Up and Take Control of My Finances (And How You Can Too)

I m happy to announce that I am part of the 2015 Financial Literacy Awareness Carnival. This year the theme is We Are Financially Real and it s being hosted by Shannon over at The Heavy Purse. Also, this post is a little longer than normal (think 5 minute read instead of 2 or 3 minutes), but it s worth it! Here s my story of getting financially real and taking control of my finances I remember when I didn t have control of our family s money. I remember it well unfortunately. We were $24,000 in consumer debt. We had no emergency fund, no investments and no savings whatsoever. I had used most of my wife s savings to buy a new drum set (because that s what responsible husbands do, right?). My wife had been through Dave Ramsey s Financial Peace course and honestly, she knew quite a bit more than I knew about money, especially managing it (well, and everything else related to money). She gave her input, but why would I listen? I was in my early 20s and I already had everything figured out
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The Turning Point: When Does a Mom & Pop Shop Turn Into an Evil Corporation?

What does Sam Walton and Colonel Sanders have in common? They both started from scratch and turned a small business into a multi-million dollar enterprise. I m sure you re familiar with Sam Walton s Walmart, which is the world s largest company in revenue, according to the Fortune Global 500. You re probably also familiar with Harland Sanders, also known as Colonel Sanders, and his giant fast-food chain, Kentucky Fried Chicken. KFC actually ranks 2nd in sales among fast-food restaurants, only trailing behind McDonalds. Here we have two companies with thousands of stores and millions in sales. Many would consider them among the ranks of other evil corporations that under-pay and simultaneously hurt the economy. You don t have to go far to find an article about Walmart and how unfairly they treat their employees or about how they re too big for their own (or anyone else s) good. So where is the line drawn? At what point do these small start-ups turn from being just another business to b
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Break Room Hacks to Maximize Your Productivity at Work [Infographic]

How often do you read about productivity and improving your efficiency? Since your here, I can only assume that you read about it pretty frequently, but where are you applying what your learning? Are you applying it to your job? Your side hustle? Your personal life? What about the break room at work? So how do you have a productive break? Well first off, no I m not talking about cramming productivity book reading into a 5 minute break. That s not a break, that s just stressful. We have to remember the purpose of a break and how to make them as effective as possible. Let s take a look at this informative, fun and well pretty infographic (it is quite beautiful isn t it?) Before you go I want to take a minute to remind you about another way to increase your overall productivity. Jeff Sanders, who has an amazing podcast in my top 10 productivity podcasts list, came up with an awesome program that includes 47 strategies to increase your productivity. Check it out here: How do you have prod
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Use These 3 Steps to Conquer Your Fear of Rejection

Rejected! That s never a word you want to hear. You try as hard as possible, do your absolute best and then rejected! Nobody likes being wrong and rejections makes us feel like we re wrong, even if we aren t. You re not the problem, but your view of rejection may be. Rejection isn t a bad thing. It can actually be a great thing, if you learn to harness the power of it. Let s start by looking at what we re actually afraid of Why is Rejection a Bad Thing? Rejection comes in many forms. You didn t get accepted. You didn t get hired. You didn t make the sale. Whatever it is, you wanted it to happen and it didn t. So why is that so hard to accept? You knew when you started that you may get rejected, so why is rejection so hard to handle? Because we think people are rejecting us, as if we re not good enough. That s not the case. Think about it. Most often when we get rejected, they (whoever they are) don t even know us. They re not rejecting you personally. They are rejecting the product, t
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How Foreign Exchange Stock Brokers Are Regulated

This is an awesome guest post from Mr. John over at MTrading.  John explains how foreign markets are regulated for your safety and security.  If you re interested in writing for us, you can read our guidelines here. One of the most important considerations when choosing a forex (foreign exchange) broker to trade with is whether it is regulated or not; if it is under regulation, by which agency? The main job of financial regulating agencies is to make sure that financial institutions deal with the public in an honest and transparent manner. This includes the protection of the rights of retail forex traders. For one, regulatory agencies review the books of brokers regularly to make sure that they maintain the required minimum capitalization. In case financial problems are found or legitimate customer complaints are verified, the authorities will intervene to stop fraudulent operations and help clients recover their funds. Agencies that Regulate the Activities of Forex Brokers Forex an
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Here’s Why Compound Interest is So Powerful

Compound interest. The 8th wonder of the world.​ Do you know the power of compound interest in its entirety? It s the greatest thing in the world when it s working for you. When it s working against you, it can be one of the most devastating things in the world. A catastrophe, really. I m just going to take a minute or two to show you the amazing power of compound interest. Then I ll let you decide if you would rather it work for you or against you. Here it is. Compound interest. The good and the bad Why Compound Interest is Powerful Compound interest may be more powerful than you think. If you don t understand exactly how it works, it s helpful to figure it out. And you came to the right place, because I m about to explain how it works both for you and against you. According to some recent polls, most Americans don t actually understand how compound interest works. Many people think that if you have $100,000 and you get a 6% annual return, compounded over 30 years, you re left with
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14 Ways to Maximize Your Car’s Value Before Selling [Infographic]

Selling your car isn t fun, but it can earn you some cash towards your next car. Ideally, you would be able to buy another used car with cash, but even if you have to finance, as long as you have a good credit score, financing isn t the end of the world. The money you earn by selling your current car could be a great down payment on your next car and this infographic is going to show you how to get the most value out the car you re selling now P.S. If you re going to be buying a new, you ll want to read: 6 Haggling Hacks for Buying a Used Car. Infographic: Old Junk Car The post 14 Ways to Maximize Your Car s Value Before Selling [Infographic] appeared first on MoneyMiniBlog.
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What a Retired Army Colonel Taught Me About Money

As a military member myself, I ll be the first to say that most active duty service members have no idea what they re doing when it comes to their finances. It s true that most people in general don t have a clue, but it almost seems worse in the military. That being said, when I do meet someone in the military who shares my love of finances, it s an automatic friendship. Enter my friend Eric. A retired Army Lieutenant Colonel and now a financial advisor for First Command. With 20+ years in the service, Eric knows a thing or two about the military and he also knows about money. That s a rare combination, which is what makes him so interesting. Here s what this retired Colonel taught me about money The Life of Eric Eric enlisted in the Army at a young age. He quickly decided that he wanted more out of the military and wanted to give more to the military so he obtained his Bachelor s degree and commissioned as an Officer in the United States Army. He served 22 years on active duty and r
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How Much Sleep Do You Need? It’s Probably Not 8 Hours

There s plenty of information out there on sleep. It s an exhausted topic (pun intended). There are countless debates over how much sleep you really need; we all remember the timeless advice that you must get in your 8 hours. Well first off that s probably not how much you need. So how much? We ll get there, but let s start by looking at how the 8 hour figure came to be Where Did 8 Hours Come From? Like anything else, there are debates over this. The best explanation I ve found comes from Dr. Christopher Winter, Medical Director of Charlottesville Neurology & Sleep Medicine: Where did this number come from? Most likely it originated from self-reporting data gathered years ago from young adults who reported sleeping an average of 7.5 hours during the work week and 8.5 during the weekend. As time has passed, this average amount of sleep has somehow morphed into the target we should all strive to achieve. The problem with sleep recommendations is that they re often given by doctors who h
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The Psychology of Stock Investing

Note from Kalen: I think it’s important to understand how emotions and psychology applies to investing. Successful investing has much more to do with mental discipline than technical knowledge. The following is a guest post by Laura Hollington. You can read more about her at the end of the post. If you’re interested in writing for us, read our guidelines. Being successful in the stock trade is not as difficult as it may seem, but then why are some people more successful than others? The simple answer is being human. Professionals in the industry claim that success is more about acknowledging and overcoming your psychological weaknesses as a buyer. People tend to rationalize their irrational purchases and go with the flow without realizing they poured their money down the drain. To deal with the right side of their brain, investors should follow a proven strategy that has made others rich. Emotions The most prominent emotions that greatly influence investment decisions are fear and
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Big News: 5 Reasons That Prove I’ve Found the Best Web Hosting Company (Hint: It’s Not BlueHost)

After months of research, I ve finally decided to switch MoneyMiniBlog to a new web hosting company. I was so excited about this company that I had to share how awesome they ve been. Whether you re looking for a web host, already with a web host or even if you don t have a website yet, you need to see why this company is the best. This is an important change for MoneyMiniBlog. Not only will this site load faster and be more secure, but you won t ever have to worry about it being down when you visit. If you have a site or ever plan to have a site, you can save yourself the research and take advantage of all the work I ve put in to finding the best web host. Here are all the details Why I Decided to Switch Since I started this site, I ve been hosted with HostGator. They were decent at first, but I kept hearing about how they were going downhill fast. Apparently they were sold to a different company and that s when they started slipping. Long story, short: they used to be good and now th
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8 CEOs Who Made Their Fortune Before They Were 30 [Infographic]

It may seem unrealistic to think about becoming a multi-millionaire before your 30th birthday, but think about all the people who did it. It s not some crazy story about a guy working hard for 10 years on one project before it finally took off. These are stories like David Karp, who started Tumbler and had close to 100,000 users within a couple weeks. He then sold it for a few million a year after he started the website, while he was still living at home with mommy. I think he could probably afford to move out after that. Or what about Michelle Phan, who has the ultimate blogger success story and now she s worth a few million. I m not saying it s easy, but it is possible The Most Important Step So what do all these young millionaires have in common? They did something. They got started. They took the first step the most important step. It s easy to sit around and say you ll never be successful, especially if you aren t even trying. You can t have an overnight-success website if you ne
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3 Things I’ve Been Doing to Increase My Productivity (That You Haven’t Heard Before)

I m a walking productivity experiment. I like to try new things and find new ways to increase my productivity. Then I bring you the results and let you decide whether or not to implement these things in your life. I ve been doing three new things that have really been working to make my life more productive and actually, all three of these are saving me money too. These are kind of random, but brilliant and you won t find these all over the internet like most tips. Here s what I ve been doing 1. James Bond Showers You may have read about the benefits of cold showers, but have you heard of a James Bond shower? I first read about them on The Art of Manliness and this is how they work: Turn the water on to hot temperature. Wash your hair and your body like normal. When you re ready to rinse, turn the water to cold. Turn off the shower. Step out. Feel amazing. Look like this: So why are these showers so awesome, or more importantly, why are they so productive? Well there are several reaso
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The Top 10 Skills to Add in Your Resume

This is an awesome post by Tripti Rai. You can learn more about her at the end of the post. Write for us. A resume is one of the most important documents of a job seeker. It is the first and easiest way to show the employers that you are a perfect match for the company. A lot rides on what and how much you have mentioned in your CV. Everything from the interview to the whole selection process starts with this one document. While the need to have job-related technical skills is unquestionable, it s also a fact that everyone applying for the position will have them. So how do you think you’ll stand out of the crowd? The answer is simple, mention the prime job-related (non-technical) skills. 1. Communication This is one of the most important skills which demands to be mentioned in your resume. Having the right communication skills is not about the language you use, it’s about how clearly you make your point. It is not enough to be a good speaker; your written skills need to be clear
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4 Easy Ways to Develop Your Charisma

Today I have a great guest post on building charisma by Sarah Williams. You can learn more about her at the end of the post.Write for us. Charisma is one of those intangible qualities of a human being that you cannot exactly describe in words. In some ways, it is the X-factor that separates the ordinary from the extraordinary. Charisma is a virtue that accentuates and sheds light on every other virtue in a person. When you have charisma you become a charismatic man or woman. Charismatic people have always enjoyed the perk of being treated exceptionally by others in society. The best way to highlight the importance of charisma is by putting forward the example of leaders. The most popular and endeared leaders in the community tend to be charismatic. Those without charisma are unable to amass as large a following as the ones who do. One of the reasons why people sing and dance to the tune of charismatic leaders is because they are known to be mesmerizing speakers. However, you cannot c
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