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20 Productivity Apps to Keep You Organized [Infographic]

When it comes to business-based apps for your phone or computer, productivity apps rule the roost.

In fact, there are so many out there that it can be unproductive to spend hours trying to find the best one(s).

But don’t you worry! Here are 20 of the top productivity apps in one quick graphic…


Attention Financial App Users: Advice for Keeping Your Phone Safe

If you’re like me, you complete just about every task with the help of your smartphone. From checking your email accounts to downloading apps to help you maintain your budget, your whole life is on your phone.

While modern technology is certainly a convenience, we really do have to be careful about the potential threats that are out there. Identity theft is serious business and, according to the Federal Trade Commission, identity theft was at the top of the list for consumer complaints this year.

For that reason, it is important for us to take extra precautions to protect our personal information. Below are a few things I’ve done to safeguard my smartphone.


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…


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…


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…


5 Simple Ways to Save Money When You’re a Student

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.


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 Top 10 Skills to Add in Your Resume

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.


4 Easy Ways to Develop Your Charisma

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. Here’s how to increase your charisma in 4 easy ways…


Balance Transfer to Lower Your Interest Rates? 4 Questions to Ask First

I’ve been there. Over $20,000 in consumer debt with interest rates higher than Cheech and Chong combined.

I remember seeing the offers pouring in to lower my interest rates. This one stuck out:

“0% interest rates on balance transfers for up to 15 months!”

It was a Chase Slate card. 15 months was the longest zero interest offer I could find for a balance transfer at the time. I calculated how much we needed to pay each month to pay it off in 15 months. We applied. We were approved.

It worked for us. We went from paying interest rates of 12%, 15% and even 17% to paying no interest whatsoever. But what would have happened if we would have went over the 15 month mark? Around 23% interest would have happened.

We had to ask ourselves if we were certain we could pay off the account in time, no matter how many unexpected costs popped up, but that’s not all we had to ask. Here are four questions to ask if you’re considering a balance transfer. Two to ask the company and two to ask yourself…


8 Positive & Productive Ways to Start Your Day

Do you take advantage of your mornings? Or are you the type that likes to slip out of bed just in time to rush into work five minutes late?

You have about 25,000 mornings in your adult life. Make them count.

The morning time is powerful. You should claim your mornings and not let your desire to get a few extra minutes of sleep dictate how they go.

After you see these positive productive ways to start your day, I think you’re going to change your routine if you’re not already waking up early…


10 Financial Lessons Warren Buffett Can Teach Us [Infographic]

Warren Buffett is constantly in competition for the richest person in the world #1 spot.

And he is self made. That’s probably my favorite thing about him. He made his money through investing just like almost everyone else.

The difference is that he is really good at it. Which is why Berkshire Hathaway usually maintains about a 19% annual return. If you don’t own any shares, you should consider it, but you’ll probably want to go for their BRK-B stock since BRK-A trades for well over $200,000/share.

Before we check out the 10 lessons in the graphic, there are a few things that stand out…


5 Tricks For Managing Your Credit Score

In the modern age, getting rid of debt has various implications. There’s the simple idea of lowering bills, living a debt-free lifestyle or simply putting yourself in a position to save money. But there is also the on-going concern of keeping your credit score intact.

We live in a loan-oriented society and, for most of us, borrowing is critical. We need a car or can do better financially if we buy a home instead of rent sometimes. We want to start a business or pay for tuition to live better lives. These are not frivolous moments. A credit score is critical at important junctions in our lives.

You need some basic understanding of money to understand loans, but in the modern era it also pays to know a few tricks to helping your credit score that go beyond simply, “don’t make late payments, ever.” That’s obvious. But here are some less obvious methods of keeping credit scores healthy…


The Top 10 Best Productivity Podcasts Right Now

“There are few uses for a smart phone that are more productive than listening to a good podcast.” -Abraham Lincoln

If you’re into podcasts, you know there are thousands to choose from.

It can be overwhelming to find the best ones. And how do know which podcasts are the best? Reviews? Ratings? Recommendations?

I’ve been listening to podcasts for years and I’ve listened to the good and the bad.

I could put together a list of the top 100, but I’ll save your time. Why subscribe to hundreds of podcasts when there are plenty of old episodes to go through?

Even if you just listen to few, you’ll be busy browsing the archives for months if not years. So here are the top 10 best podcasts on productivity for 2015…