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"How-To" Articles

How to Use Debt Consolidation to Get Out of Debt Faster

The mirth and merriment of Christmas are very much upon us, with the big day now getting very close. It’s a time of laughter, fun and special times with friends and family – just as it should be. Yet with the unrelenting social activities that come with it, costs of buying presents and other wallet drainers, there is no doubt that the holidays can put a strain on anyone’s budget, and maxed-out credit cards are hardly unusual by the time January dawns.

But instead of using the festive season as an excuse to exacerbate your existing high-interest debt, why not see it as the time to take action, and eliminate it instead? The path to becoming debt-free isn’t as arduous as it may seem, and with a combination of self-discipline and some clever strategic thinking, you can start getting yourself very much on track.

How to Best Invest in a Home for Your Lifestyle

When it comes to buying a home, advice is overwhelmingly centered on buying a primary residence.

No big surprise since you need a place to live. But, before you invest in a primary residence, you need to consider your lifestyle goals to maximize your budget and your quality of life.

How to Get Your Finances in Order in 1 Hour

This is going to be extremely straight-forward.

I’m going to give you each step to get your finances in order.

At the end of one hour, you’re going to have a complete overview of your financial situation and be setting goals.

“It’s Just Money” – How to Implement the 10 Year Rule

Money isn’t what really matters.

Sure, you need money to accomplish some of your goals or to make your life better…or at least you think you do.

We all think we need more money, more stuff. But money is just money. Stuff is just stuff.

We all know material items aren’t what’s really important.

That’s easy to say, but how do you actually live it out? It’s hard to say “it’s just money” when your only car breaks down and you have to spend $2,000 on a new transmission. It’s hard to say “it’s just money” when you might not have quite enough for the rent this month. Likewise, it’s hard to say “it’s just stuff” when something valuable is stolen or when something you just bought gets messed up.

As I was preparing this article, an interesting thing happened that really challenged me on this…

How to Budget Your Time Like Your Money

You budget your money because it’s important to keep track of it.

You know the importance of tracking. You’ve seen how a dollar here and there can really add up.

What about your most important asset? Your time. It’s not replaceable like money. When it’s gone, it’s gone.

Do you know where your time is going as well as you know where your money is going? You’re about to.

Here’s how to budget your time like you budget your money…

Here’s Why You’re Not Getting Up in the Mornings (And How to Actually Wake Up Early)

You know the importance of sleep.

You know that you need to increase your energy to feel better throughout the day.

You know you want to be a morning person, but sometimes you just can’t drag yourself out of bed.

There’s a reason for that and it doesn’t always come down to diet and exercise, regardless of what most the popular articles want you to believe. The problem often dwells between your ears. It’s not a physical issue, it’s a mental one.

Here’s why you’re not getting up and how to actually wake up early…

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…

How to Find That Next Big Sleeper Stock for Your Portfolio

If you have been active and following the markets through the first quarter in 2015, you will no doubt have heard of the amazing run in the biotechnology sector. The stocks that compose the biotech sector have had some of the hottest win streaks seen all year, with some being many hundred percent winners.

It’s easy to get caught up in the hype and feel the need to chase some of these monster movers, but as a trader, I prefer to dig down into the details and find the next big opportunity that I can ride for a monster win. The smarter play here is to recognize the opportunities before they become known to everyone else…

How to Estimate and Maintain Your Classic Car’s Value

A classic car can provide a number of priceless experiences and joys – tuning it, caring for it, repairing it, and last but not least, driving it! Whether you’ve had a classic car for decades or just recently acquired one, you are certainly familiar with its intangible values.

Monetary value, on the other hand, can be a lot harder to get a handle on.

There are so many variables that go into appraising the value of a car, it can get a little overwhelming. Knowing which steps to take in order to protect its value adds yet another layer of complexity.

How to Actually Get Your Student Loans Forgiven

Student loan forgiveness has been a hot headline over the last year. The ever increasing mass of student loan debt continues to weigh on the hearts and minds of our college graduates. Today, 7 in 10 college seniors are graduating with student loan debt! While student loans are a necessary tool for some students, they should be used carefully by borrowers.

You may have seen the late night television ads preaching the benefits of student loan forgiveness. Despite what these television ads say, not everyone is eligible for student loan forgiveness. These ads are often being run by unethical telemarketers looking to take advantage of uneducated student loan borrowers. To qualify for student loan forgiveness you must meet certain eligibility requirements for federal programs. Don’t find yourself victim to a student loan forgiveness scams.

The following U.S. Department of Education programs can actually forgive your student loan debt:

How to Have the Most Productive Road Trip Ever

When my wife and I first figured out we would be making the 20+ hour drive from the mid-west to the Amish country of Lancaster County, we decided that this was going to be our most productive road trip ever.

We knew that the more things we could do along the way, the more productive the trip would be and the easier it would be for us to make the drive, especially the trek that seems like a million miles across Tennessee and Virginia.

I’m writing this article right now as my wife is driving us down the road and helping me brainstorm ideas for new articles…

How to Write a Perfect Introduction to Your Resume

A resume is essentially a document for selling your skills and work experience.

However, if you directly jump to the work experience section from your name and contact information, recruiters will lose interest in your profile and it will leave a bad impact. Therefore, it is necessary to come up with a good introduction for a resume or CV (Curricula Vitae).

We all know the importance of the competencies and work experience section for a resume. But do we ever place the same importance on writing a good introduction? The answer is usually no.

This is one of the reasons why even a well written resume and a deserving candidate get no response from the recruiter.

A good introduction to a resume is as important as dressing well is for an interview…

How to Clear Your To-Do List Today (Without Overwhelming Yourself)

Let me guess.  You have a to-do list and you add to it everyday.

You promptly go through each item and check it off, one after one.

By the end of the day, your list is completely empty and awaiting whatever tasks tomorrow holds.

Not so much?

Since you’re here, reading this article, I assume that it doesn’t go so smoothly. It doesn’t go so smoothly for me either.

You are constantly adding to your list and occasionally checking something off.

Enough is enough. When your to-do list is so full that you forget about things at the bottom, it’s time to change something.

Here’s how to completely clear your to-list today and start getting stuff done, without overwhelming yourself…