Lists

3 Apps That Are Taking My Productivity to the Next Level

I don’t like to have a hundred different apps on my phone.

The more I have, the less benefit I get from the ones I do have.

For me, the 80/20 rule definitely applies to the apps I use on a daily basis.

I’m using [actually less than] 20% of my apps for 80% of my productivity. And here they are.


How Benjamin Franklin’s 13 Virtues Can Make You More Productive

Benjamin Franklin was widely known for his practices and habits…specifically: his virtues.

He was a lifehacker before it was cool.

He believed in living a fulfilling and productive life, which is what brought him to these 13 virtues.

I’ll go over each one and show you how to apply them to your life to increase your productivity.


5 Reasons Most Entrepreneurs Never Turn a Profit

The facts are in: most entrepreneurs never make as much income operating their own business than they did as an employee working for someone else. This may shock you because we see entrepreneurs on television, featured in magazines, and we constantly hear stories of massive success. It turns out, however, that these stories of massive entrepreneurial success are the exception and not the rule. There are five important reasons why most entrepreneurs never turn a profit and why entrepreneurs fail.


5 Things You Need to Do When You Get a Raise

I got a new job and my income went up 38% several years ago. The increased payday felt huge, because nothing about my life setup really changed. I didn’t move into a fancy apartment or buy a new car.

But something subtle did change psychologically for me. I felt like I had more money so I spent a little bit more at restaurants and a little bit more on clothes. I figured I had a little extra money, might as well enjoy it.

When the credit card bill came, I found that my expenses increased right along with my income. Getting a raise was great, but it was so easy to spend the extra money. I hadn’t paid down student loan debt, saved any money, nor invested – all the things I’d imagined doing with the extra income.


Top 6 Ways to Save Money for a Down-Payment

Four bedrooms with a large backyard and a white picket fence.

For most people, this is an American dream that they cannot wait to attain.

But turning that dream of homeownership into a reality can take a lot of grit and determination in this day and age. Considering that a traditional mortgage requires a 20 percent down-payment and that the average price for a single-family home sold in 2014 was $345,800 according to the US Census Bureau, you would have find a way to save a whopping $69,160 (not to mention additional closing costs) before you would be able to sign on the dotted line.

So how is it that 437,000 people were able to do that?

We at Modernize have a few tips to help you reach your goal without having to give up everything.


5 Ways of Showing Investors and Clients You Mean Business

When starting your own business, it can sometimes feel as if the odds are stacked against you. It is important to stay proactive if you want to get anywhere with your business, whether you are selling a product, offering a service or providing some other level assistance to your client base. Taking a step back, when starting a business, is not what you want to do in order to get anywhere. You need to tackle things head on. One major ‘goal’ you should hope to achieve is to solidify the nature and the value of your business in the eyes of your investors and your intended clientele.

So what can be done to make sure that they know you mean business and you mean to create a successful business from the get go? Read on for our 5 top tips on showing your investors your stance on getting your business off the ground.


5 of the Most Expensive Cities to Live In

If you were always and continuously nagging and saying that living in your town costs way too much, take your time readings this article. We are, together with our new fellows from Travel Ticker, present you a list of the world’s most expensive cities. Some of them might surprise, some of them not, but all of them are going to help you rethinking the way you are living for sure. Are you ready?


7 Crucial Money Lessons Every Parent Must Teach Their Child

Money regrets – we all have some. We’ve all made financial decisions we would ‘undo’ given half a chance. It might be the under-performing property we wished we’d passed on or that great property we wish we had really chased.

Given how important financial skills are to navigating life, and the fact that schools don’t teach children about money, as a parent here’s a few important financial lessons you can teach your child as he or she grows up:


7 Tips for Taking Out a Personal Loan

Being rejected when you apply for a loan or other form of credit can be dispiriting experience. You may be asking yourself what you did wrong, what is suggesting that you are a credit risk or if there has been a mistake.

It’s worth remembering if you are in this situation that you are not automatically entitled to credit. Banks and other lenders only lend to people that they think represent a low risk on what is an investment on their part and are unlikely to accept applications for people they think are unlikely to repay the money they want to borrow. It’s a balancing act – they want to protect their money while, at the same time, increasing the profits they make from the interest charged on the loans that they do make.


4 Ways to Use Your Tax Refund

As the notorious April 15th tax filing deadline looms closer, you might want to take the opportunity to figure out how you will choose to maximize your tax refund. You certainly have a wealth of options – including a nice splurge – but there are some options that you might want to take that will repay you for years to come.


5 Things You Should Do in Your 20s to Be a Millionaire in Your 30s

To become a millionaire by your 30s is possible, and you do not need to invent a new generation of Facebook or Snapchat, or win the lottery’s grand prize. Many ordinary people did that just with their strength of will and hard working!

To help you reach that incredible seven figure number today we are going to give you five tips, actually tried of by people who became millionaires at a young age. However, we can’t guarantee that you will indeed become rich if you follow these tips, but they certainly won’t reduce odds of that happening either.


8 Sinking Funds You Need To Start Today

Have you ever felt that sinking feeling when you find out you need to spend money on a home or car repair that you weren’t prepared for?

You knew it was coming; hindsight is always 20/20, and you end up beating yourself up for not planning it out sooner.

If you don’t have an emergency fund in place, that sinking feeling is all too familiar.

Financial experts say you need an emergency fund worth 3-8 months of living expenses (to cover you during a layoff or career change).

Other experts say having at least $1000 on hand for real emergencies is the minimum you should have on hand for life’s surprises.

There is a way to prevent that sinking feeling next time you get hit with life’s unexpected/expected expense events (say that 5 times fast).


5 Common Misconceptions About Buying Auto Parts Online

Even though many people in countries like Australia and USA are taking the online route to buy auto parts, there is no dearth of myths when it comes to online purchase. In this article, we examine some of the common misconceptions about buying auto parts online.


5 Tips on Turning Change Into Real Money

We all have loose change; jangling around in our pockets, in our cars, in drawers, and often just jangling around in the washing machine; we’re often a little too quick to dismiss our change. But if we have our smart head on there’s actually plenty of money to be made, so long as we have the foresight and patience to view it in the long term.


3 Crucial Rules to Remember When Trading in Currency

In 2014, it was estimated that the daily volume of foreign exchange trading stood at an impressive $5.3 trillion. This has increased further since, especially as the global economy has continued its recovery and driven greater interest in the financial marketplace.

Currency trading is an extremely difficult exercise, however, and one that is fraught with numerous challenges. Without a clear understanding or comprehension of the marketplace and the underlying laws that govern change, it is almost impossible to profit and easy to incur losses.


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