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8 401(k) Investing Tips to Maximize Your 401(k)

woman with laptop and clipboard

The best kind of 401(k) plan is one that is used. The employer-sponsored retirement plan is typically easy to open and fund (with pre-tax dollars often deducted straight from your paycheck), and offers tax benefits vs. saving and investing in a brokerage account.

Understanding the nuances of this all-important savings vehicle may help catapult investors into full-blown expert territory, helping them maximize their 401(k) investing.

While everyone’s financial and retirement situation is different, there are some useful 401(k) investing tips that could be helpful to anyone using this popular investment plan to boost their retirement savings. These 401(k) should apply no matter what stage of retirement saving you’re in—as long as you’re participating in a 401(k).

1. Take Advantage of Your Employer Match
2. Consider Your Circumstances Before Contributing the Match
3. Understand Your 401(k) Investment Options
4. Stay the Course
5. Change Your Investments Over Time
6. Find—and Keep—Your Balance
7. Diversify
8. Beware Early Withdrawals

#1 Take Advantage of Your Employer Match

This first 401(k) tip is admittedly basic, but also probably the most important. Understanding your employer match is essential to making the most of your 401(k).

Also called a company match, an employer match is a contribution made to your 401(k) by your employer, but only when you contribute to your account first.

Withdrawing money early from a 401(k) can result in a hefty penalty.

There are some exceptions, depending on what you’ll use the withdrawn funds for. For example, qualified first-time home buyers may be exempt from the early distribution penalty. But for the most part, if you know you need to save for some big pre-retirement expenses, it may be better to do so in a non-qualified account.

Another consideration is whether to put all of your eggs in your 401(k) basket. Of course, these accounts can offer big benefits in terms of tax deferral and may come with a matching contribution from your employer as well. But individuals who are eligible to contribute to a Roth IRA, may consider splitting contributions between the two accounts.

While 401(k) contributions are made with pre-tax dollars and taxes are paid when you make a withdrawal, Roth IRA contributions are the opposite—taxed on the way in, but not on the way out (with some exceptions).

If you’re concerned about being in a higher tax bracket at retirement than you are now, a Roth IRA can make sense as a complement to your 401(k). The caveat is that these accounts are only available to people below a certain income level.

#3 Understand Your 401(k) Investment Options

The first step is contributing to a 401(k); the second is directing that money into particular investments. Typically, plan participants are able to choose from a list of mutual funds to invest in for the long-term. Some 401(k) plans may give participants the option of a lifecycle fund or a retirement target-date fund.

To pick the right mutual funds, you may want to consider what is being held inside those mutual funds. For example, a mutual fund that is invested in stocks means that you are now invested in the stock market.

With each option, ask yourself: Does the underlying investment make sense for your goals and risk tolerance? Are you prepared to stay the course in the event of a stock market correction?

You may also want to consider the fees charged by your mutual fund options, because any management fee will be subtracted from your potential future returns. When analyzing your options, look for what is called the expense ratio—that’s the annual management fee.

#4 Stay the Course

Many investors will have at least a part of their 401(k) money invested in the stock market, whether through mutual funds or by holding individual stocks.

If you’re not used to investing, it can be tempting to panic over small losses. This is also known as a day-trader mentality, and it is one of the worst things you can do—especially with a 401(k). Remember, investing in the stock market is generally considered for the long haul.

Getting spooked by a dip (or even a stock market crash like the one in 2008) and pulling your money out of the market is generally a poor strategy, because you are locking in what could possibly amount to be “paper” or temporary losses. The thinking goes, if you wait long enough, that stock might rebound and your loss will go away. (Though as always, past performance is no predictor of future success.)

It may help to remember that although stock market crashes are disappointing, they are a normal and natural part of the growth cycle. Remember, the goal is to be patient and let the stock market do its thing.

Some investors find it helpful to only check their 401(k) balance occasionally, rather than obsess over day-to-day fluctuations.

#5 Change Your Investments Over Time

Lots of things change as we age, and one of the most important 401(k) tips is to change your investing along with it. While some principles of retirement saving are eternal—use the employer match as much as you can, don’t trade too much, pay attention to fees—some 401(k) advice is specific to where you are relative to retirement.

While everyone’s situation is different and economic conditions can be unique, one rule of thumb is that as you get closer to retirement, it makes sense to shift the composition of your investments away from higher risk but potentially higher growth assets like stocks, and towards lower risk, lower return assets like bonds.

There are types of funds and investments that manage this change over time, like target date funds, that make this strategizing easier. Some investors choose to make these changes themselves as part of a quarterly or annual rebalancing.

#6. Find—And Keep—Your Balance

While you may want your 401(k) investments to change over time, at any given time, you should have a certain goal of how your investments should be allocated: a certain portion in bonds, stocks, international stocks, American stocks, large companies, small companies, and so on.

But these targets and goals for allocation can change over time even if your allocations and investment choices don’t change. That’s because certain investments may grow faster than others and thus, by no explicit choice of your own, they take up a bigger portion of your portfolio over time.

Rebalancing is a process where, every year or every few months, you buy and sell shares in the investments you have in order to keep your asset allocation where it was at the beginning of the year.

For example, if you have 80% of your assets in a diversified stock market fund and 20% of your assets in a diversified bond fund, over the course of a year, those allocations may end up at 83% and 17%.

To address that, you might either sell shares in the stock fund and buy shares in the bond fund in order to return to the original 80/20 mix, or adjust your allocations going forward to hit the target in the next year.

#7 Diversify

In addition to employer matching, diversification is considered one of the few “free lunches” for investors. By diversifying your investments, you can help to lower the risk of your assets tanking while still being exposed to the gains of the market.

difference between stocks and bonds.)

Within stocks, diversification can mean investing in US stocks, international stocks, big companies, and small companies. But rather than, for example, owning shares in one big American company, one big Japanese company, a multi billion-dollar company, and a smaller company, it might make sense instead buy diversified funds in all these categories that are diversified within themselves—thus offering exposure to the whole sector without being at the risk of any given company collapsing.

#8 Beware Early Withdrawals

Perhaps the most important 401(k) tip is to remember that the 401(k) is designed for retirement, with funds withdrawn only after a certain age. The system works by letting you invest income that isn’t taxed until distribution. But if you withdraw from your 401(k) early, much of this advantage disappears.

With few exceptions, the IRS imposes a 10% tax penalty on withdrawals made before age 59½. That 10% tax is on top of any regular income taxes a plan holder would pay on 401(k) withdrawals. While withdrawals are sometimes unavoidable, the steep cost of withdrawing funds should be a strong reason not to, as it wipes away much of the gains that can come from 401(k) investing.

If you would like to buy a car or a house, or pay off debt, there are other options to explore. First consider pulling money from any accounts that don’t have an early withdrawal penalty, such as a Roth IRA (contributions can be withdrawn penalty-free as long as they’ve met the 5-taxable-year rule) or a brokerage account.

The Takeaway

If you have a 401(k) through your employer, you may want to consider taking advantage of it. Not only might you have a company match, but automatic contributions taken directly from your paycheck and deposited into your 401(k) may keep you from forgetting to contribute.

That said, a 401(k) is not the only option for saving and investing money for the long-term. One such option is a Roth IRA. While there are income limitations to who can use a Roth IRA, these accounts also tend to have a bit more flexibility when withdrawing funds than 401(k) plans. (If you don’t qualify for a Roth IRA, ask your tax professional for additional guidance.)

Another option is to open an investment account that is not tied to an employer-sponsored retirement plan. Sometimes called a brokerage or after-tax account, these accounts don’t have the special tax treatment of retirement-specific accounts, but can still be viable ways to save money for people who have maxed out their 401(k) contributions or are looking for an alternative way to invest.

Find out how SoFi Invest® can help you start saving for your future.


SoFi Invest®
The information provided is not meant to provide investment or financial advice. Investment decisions should be based on an individual’s specific financial needs, goals and risk profile. SoFi can’t guarantee future financial performance. Advisory services offered through SoFi Wealth, LLC. SoFi Securities, LLC, member FINRA / SIPC . The umbrella term “SoFi Invest” refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
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For additional disclosures related to the SoFi Invest platforms described above, including state licensure of Sofi Digital Assets, LLC, http://www.sofi.com/legal.

External Websites: The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Investment Risk: Diversification can help reduce some investment risk. It cannot guarantee profit, or fully protect in a down market.
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See Inside a Modern, Art-Filled Compound in Venice — with a Custom Outdoor Piece by French Artist Invader

This Venice architectural compund features original, unique artwork by acclaimed French artist Invader, and lists at $8.25 million.

Source: fancypantshomes.com

Greystone Mansion: the Most Familiar House You’ve Never Visited

There’s this mansion in Beverly Hills that a large part of the world’s population has already seen, even though they might not realize it.

It’s a historic house that’s been used in endless Hollywood movies, TV series, and music videos. After you finish reading this article, you might just realize that you’ve seen this house before, too. Well, now you will also know its history, and when you see it again on your TV screen (and more than likely, you will), you’ll recognize it. 

The place we’re referring to is known as Greystone Mansion or Doheny Mansion, and it’s located at 905 Loma Vista Drive in Beverly Hills. The Tudor Revival mansion was originally completed in 1928, after three years’ worth of construction and a total cost of over $4 million — an insane amount at the time. 

aerial view of Greystone Mansion
Greystone Mansion aerial view. Image credit: Luxury Architecture

The inception of Doheny Mansion

The 55-room, 46,000-square-foot mansion lies on a 16-acre site within Trousdale Estates. It was designed by architect Gordon Kaufmann and built by the P.J. Walker Company. The land was actually a wedding gift from oil tycoon Edward Doheny to his son, Edward ‘Ned’ Doheny, and his new wife, Lucy Smith. 

Edward Doheny was an American oil tycoon who drilled the first oil well in Los Angeles in 1892. His story was depicted in the Academy Award-winning movie There Will Be Blood, starring Daniel Day-Lewis. Interestingly enough, the movie was actually filmed at Doheny Mansion. 

Ned Doheny’s house became known as Greystone because it was built mainly of stone, and has a grey, stone-cold appearance. The house took roughly three years to build, and included stables, kennels, tennis courts, a gatehouse, a swimming pool and pavilion, a lake with babbling brooks and waterfalls, and even a fire station. 

old photo of the Greystone Mansion driveway
Greystone Mansion driveway. Image credit: Friends of Greystone Mansion

A bittersweet move-in for the Dohenys

Unfortunately, Ned Doheny didn’t get to enjoy his new home for too long. Just four months after moving into Greystone Mansion, Doheny was found dead in the house, alongside his secretary and friend, Hugh Plunkett. The case was ruled a murder-suicide, however, some claim that there’s more to that story.

Doheny was killed by his own gun, and he was not buried with the rest of his family, but in a different cemetery, just a few yards away from where Plunkett was laid to rest. This has led some to believe that Doheny might have committed suicide, however, this is just a theory that certainly adds a bit of mystery to Greystone Mansion. 

Greystone Mansion exterior
Greystone Mansion exterior. Image credit: The City of Beverly Hills

Following Ned Doheny’s death, his wife Lucy remarried and lived in the house with her children until 1955. Greystone Mansion was later sold to Paul Trousdale, the developer of Trousdale Estates, who then sold it to Henry Crown of Chicago. The businessman never actually lived in the house, but leased it out to film studios — and that’s how Greystone’s prolific movie career started. 

Greystone Mansion, Hollywood’s favorite filming location

Over the decades, Greystone Mansion has been featured in numerous Hollywood movies and TV series, including classics like The Big Lebowski, Eraserhead, The Witches of Eastwick, Death Becomes Her, Batman & Robin, The Bodyguard, Dark Shadows, The Prestige, The Social Network, and X-Men.

The mansion has also made appearances in TV series, including Alias and The Young and the Restless, and it also played the part of Chilton Academy in Gilmore Girls

Gilmore Girls scene filmed at Greystone Mansion
Gilmore Girls scene filmed at Greystone Mansion, featuring the home’s famous staircase

Last but not least, Greystone Mansion has been featured in commercials and even music videos. You might have already toured the house alongside Robert Downey Jr., in the music video for Elton John’s single I Want Love. Let us refresh your memory:

In 1965, the City of Beverly Hills purchased Greystone Mansion, and a few years later, the property became a public city park. It was added to the National Register of Historic Places in 1976, as Doheny Estate/Greystone.

The mansion continues to be used as a filming location and a destination for special events such as music festivals, fundraisers, and even weddings. Greystone Mansion houses the Beverly Hills Flower & Garden Festival, the yearly Catskills West drama camp, and The Annual Hollywood Ball, among others. 

Greystone Mansion public gardens
Greystone Mansion public gardens. Image credit: Love Beverly Hills

A carefully preserved slice of L.A. history

Greystone Mansion is a remarkable feat of architecture, and most of its original features have been carefully preserved over the years. The property features hand-carved oak banisters, balustrades and rafters, seven chimneys, each designed by a different artist, a movie theater room, a billiard room, a hidden bar, and a two-lane original Brunswick bowling alley. The alley was renovated so that it could be used by the filming crew for There Will Be Blood. 

The bowling alley at Greystone Mansion
The bowling alley at Greystone Mansion. Image credit: The City of Beverly Hills

There’s a grand hall with distinctive, black-and-white marble floors and a very famous staircase. In fact, the staircase at Greystone Mansion has been featured in numerous productions, due to its majestic appearance. 

The grand hall and staircase at Greystone Mansion
The grand hall and staircase at Greystone Mansion. Image credit: Love Beverly Hills

Greystone Mansion also included a servant’s quarters that took up two entire floors on the east wing and was built to accommodate a live-in staff of 15.

Greystone Mansion plan. Image credit: The City of Beverly Hills

There was also a living room with a balcony where musicians performed at special events, and a kitchen pantry with a secret wall safe that held the family’s silver and gold kitchenware.

Greystone Mansion interior
Greystone Mansion interior. Image credit: The City of Beverly Hills

This stunning, stone-clad Beverly Hills mansion continues to attract filming crews, and we’re definitely going to be seeing it again on the big screen. At the same time, its beautiful, lush gardens and its rich history will continue to attract visitors from around the world.

Here’s a further glimpse into the mansion’s history, to keep you occupied until you get a chance to visit in person:

Featured image courtesy of The City of Beverly Hills

More stories you might enjoy

Here’s the Estate that Served as Inspiration for “The Great Gatsby’s” Opulent House in the 2013 Movie|
The Beverly House, where Jackie O & JFK Honeymooned and where Coppola Shot “The Godfather”
Richie Rich’s House is Actually the Biltmore Estate, America’s Largest Home
Where to Find the Real Carrington Manor from ‘Dynasty’

The post Greystone Mansion: the Most Familiar House You’ve Never Visited appeared first on Fancy Pants Homes.

Source: fancypantshomes.com

What Is A Blog, How Do Blogs Make Money, & More

What is a blog and how does it work? Can you really make money blogging? How much do bloggers make?

Over the years, I have received many questions about blogging. People want to know what is a blog, how they work, is it really a way for people to make money, and so on. 

I completely understand all of the questions. While blogging has now been around for more than a decade, it’s still a fairly new way to earn money. I still have people give me funny looks when I tell them what I do for a living.

But, I didn’t really know what a blog was when I first started mine. I had absolutely no idea what I was doing.

I didn’t know how people made money from blogs or anything else like that.

Pretty much everything I learned about blogging was through trial and error, and I made a lot of mistakes over the years, haha! Honestly, it’s because of those mistakes that I’m where I am right now.

My life has completely changed because of blogging. I was able to quit a job I didn’t love, I travel full-time, and I can retire pretty much whenever I want. 

It’s funny to think about how far I’ve come, especially since I had no idea what blogs even were.

Back then, I also never realized that you could learn how to earn money blogging. I don’t think I even looked into it because that was never my goal when I first learned how to start a blog. I certainly never thought blogging would drastically change my future, but I’m so glad I gave it a shot.

I had so many questions when I started my blog, and I learned 99% of what I know the hard way – by making mistakes.

I know that many new bloggers probably have some of the same questions I had because I receive hundreds of emails a day from readers asking how to start a blog, how to make a living through blogging, and more.  

Today, I’m going to help you by answering some of the most common questions I receive about blogging.

Some of the questions I talk about include:

  • Is 2021 too late to start a website/blog?
  • How do I come up with a blog name?
  • What blogs make the most money?
  • How do you design a blog?
  • How many views do you need to make money blogging?
  • How many blog posts should I have before launching?
  • How do I get my blog noticed by Google?
  • How long until a blog makes money?
  • How do blogs make money?
  • How do bloggers get paid?

I know that blogging can seem scary in the beginning, but remember that most other bloggers were in the exact same place you were when they started.

Blogging, just like any other hobby or job you start, takes time to learn what you’re doing. You have to do research, read about what other people have done, and learn as you go.

For some people this can be frustrating at first, but good things always do take time.

Blogging isn’t as easy as it looks from the outside. Even the most successful bloggers still spend time learning how to do new things. I am constantly signing up for new courses and learning from other people.

Even though it takes time and can feel difficult, blogging is something you can do. You can earn money blogging so that you can work towards living the life you want. 

One of the reasons I love blogging so much is that you can do it all on your own time. You don’t have to learn everything at once. You can start your blog and grow it at your own pace.

While there is no 100% guarantee that you will be able to earn a full-time living by blogging, I know many bloggers who are full-time and are very happy with it.

Content related to what is a blog:

  • 12 Free Resources To Grow Your Blog Fast
  • How I Successfully Built A $1,000,000+ Blog
  • How To Quit Your Job And Become A Full-Time Blogger

What is a blog? And your other top questions about blogging.

 

What is a blog?

Before we begin, I want to go over what is a blog definition and some other basic blogging questions.

A blog is a website.

Google’s definition of a blog is, “a regularly updated website or web page, typically one run by an individual or small group, that is written in an informal or conversational style.”

A blog is content that is written on a website. It usually consists of articles, like the one you are reading right now.

What is a blog used for? Blogs can vary from person to person. 

You may create a blog to journal, to teach on a topic, to sell something, to tell a story, and so on. There’s no exact rules about what your blog has to be used for.

What is a blog post? Blog posts are individual entries on a blog. Blog posts usually include text, but they can also have photos, videos, infographics, and more.

An example of a blog post is what you’re reading right now. There is a title, its own URL (that’s the web address), and text where I share in depth information.

 

Is 2021 too late to start a website/blog?

No, it’s not too late, and you haven’t missed out.

The online world is still so new, and each year there are new ways to monetize and grow your blog.

For example, it wasn’t until the past few years that companies and advertisers started realizing the value of online influencers, such as bloggers, and that means even more opportunities to earn money blogging.

Before that, companies mainly wanted to advertise with celebrities, but it is shifting to bloggers and other online influencers (such as Youtubers and Instagrammers!).

The online world is a huge place and it is just going to keep growing. Every blogger earns a living in slightly different ways, and everyone has a different message and story. Plus, there are so many different ways to earn money blogging, and the options have continued to change and grow since I started blogging.

Of course, because the blogging world keeps changing, there will constantly be new things for you to learn, but that will probably always be the case for managing any kind of business.

So, if you are thinking about starting a blog, today is the day. Don’t let your fears hold you back any further! You can find my free How To Start a Blog Course here.

 

How do I come up with a blog name?

Deciding on a name for your blog is probably one of the hardest parts of blogging.

Even if you know exactly what you want to blog about and have some articles written, deciding on your blog’s name may be stopping you from actually creating your website and launching it.

I don’t remember how I came up with Making Sense of Cents, but I’m glad I did. It is still catchy, and I receive compliments on it to this day.

Coming up with a blog name shouldn’t lead to stress, so here are my tips for deciding on a blog name:

  • Make it easy. My blog name isn’t the easiest for people to spell, and even I sometimes jumble it when I’m spelling it. So, my top tip would be to make sure that your blog name is easy for people to type or spell out loud. I’ve seen blog names that are extremely long, contain words that are difficult to spell, and so on. Instead, you should make it as easy as possible for your readers to find you.
  • Think about what you’ll be writing about. Think about the topics you want to write about, who your target audience is, and more, and then jot down descriptive words that are related to each. Brainstorming like this is a good way to come up with a blog name!
  • Use a thesaurus to find similar words. If your first or second choices are taken or if you want to see if there are some catchier sounding blog names, using a thesaurus can help you with some new ideas.
  • Make it catchy. You may want to think of something funny, use alliteration, or something else to make your blog name catchy and memorable.
  • Use your name. If you don’t want something catchy and/or if you think you’re not creative enough, then just use your name. It’s super easy that way, and more and more people are starting to do this. 

See, creating a name for your blog can be easy!

 

What blogs make the most money?

There are many different types of blogs that make money, and you can monetize nearly any kind of blog.

So, how do you determine what to write about?

There is no right or wrong answer to this question. I always recommend creating a blog around a topic that you are passionate about, that you are an expert in, that you like, or something else along those lines.

This can make blogging feel fun instead of like a chore.

You can blog about several topics or you can blog about one specific thing, such as personal finance. For me, I cover a ton of different topics here on Making Sense of Cents. I talk about personal finance, life, travel, RVing, sailing, self-help, and more.

Some things that you may want to think about when choosing your blog topic include:

  • What are you passionate about? I always recommend that you start by thinking about what you love doing. Perhaps it’s a sport that you really love, crafts, cooking, managing money, travel, or something else. Whatever it is, blogging about your passion is great because that will show in your writing, and your readers will enjoy reading your posts.
  • What blogs do you enjoy reading? If you are thinking about starting a blog, I’m assuming it’s because you probably enjoy reading blogs yourself. If that’s the case, then you may want to think about which blogs you really enjoy reading and possibly blog about something similar.
  • What are you an expert in? Now, you don’t need to be an expert in your blog’s topic to earn money blogging (more on that below in the next section), but if you are an expert at something, then this could be a topic that you blog about. There are many successful “How-To” websites because people love to learn new things through blogs. And, there is probably something you could teach (everyone’s an expert at something, even if you don’t realize that yet!). Think about the questions your friends and family are always asking you about, topics that you enjoy helping others with, and so on.
  • What things do you like learning about? Like I said above, you don’t need to be an expert in a topic to blog about it. People LOVE reading blogs from people who are learning or trying new things. This is because everyone has to start somewhere, and people love following the journey and seeing how something is actually done. So, if you are learning how to earn money blogging, for example, that could be where you start your blog. You can write about all of your mistakes, talk about what you’ve learned, show how you have tried and reviewed different options, and so on.

To learn how to make money with a blog, your blog can be about anything and/or everything. It’s entirely up to you.

Below is a list of possible blog examples and blog topic ideas. The list doesn’t end here either. Choose one, all, or some. It’s all up to you.

  • Lifestyle
  • Home
  • Family
  • Finance
  • Crafts
  • DIY
  • Small business
  • Outdoor activities
  • Fitness and health
  • Food
  • Inspiration and advice
  • Animals
  • Travel
  • Games
  • Relationships
  • School
  • Electronics, and more!

That’s the beauty of having a blog – it can be about anything and you can still earn money from it.

There are a few topics I would avoid if you aren’t an expert, like blogging about legal issues, tax issues, or medical advice. You could get someone in a lot of trouble if you gave them the wrong information.

 

What is the best blogging platform to make money?

Your blog should be self-hosted if you want to earn money blogging. This is actually one of the first things you should do.

I recommend that you start on self-hosted WordPress (this tutorial will help you start your blog the correct way). I cannot say this enough, but I do not recommend Blogger or WordPress.com (you want the self-hosted version, which is WordPress.org – confusing, I know). Buying that $10 domain name from Blogger or GoDaddy does not mean you are self-hosted either.

Unless you self-host your blog, advertisers, companies, and readers will still know you are on Blogger or free WordPress, and that can look unprofessional. Plus, your blog can be deleted at any time and for no reason if you are using a free version, which actually happened to me. Even though you may save some money in the beginning, not being self-hosted can hurt your chances of earning money through your blog.

Seriously, just trust me. Go with self-hosted WordPress, and it will significantly increase your chances of monetizing your blog.

If you want further proof, take a look at my past income reports. You can tell that my blogging income didn’t take off until I switched to WordPress. That right there is a lot of proof that being self-hosted on WordPress is the way to go!

To recap, the positives of being self-hosted on WordPress through Bluehost include:

  • Your blog will look more professional meaning you will increase your chances of making money online.
  • You will have complete control over your blog.
  • You own your blog, and it can’t be deleted for any reason.

 

How do you design a blog?

To create your blog, I recommend heading to my tutorial: How To Start A WordPress Blog On Bluehost.

After that, you will have three options when it comes to designing your blog:

  1. Designing your blog on your own
  2. Paying someone to design your blog
  3. Purchasing a premade theme (the quickest option and surprisingly affordable)

I usually recommend that a new blogger purchase a premade blog design, such as through Beautiful Dawn Designs. She provides great premade designs for just $45 and this is probably the easiest and quickest design option.

 

How much do I have to spend before I can earn money blogging?

When I first started my blog, I spent almost NOTHING on blogging expenses.

I spent less than $100 the first year and not too much more in the second year.

In fact, I probably went a few years when I was only spending about 1%-2% of my revenues on blogging expenses.

Now, some of my expenses include:

  • My computer
  • The actual blog (design, hosting, etc.)
  • Courses, guides, and ebooks
  • My email (newsletter) list
  • Virtual assistant and editor
  • Technical management
  • Transaction fees

But, you do not need to spend money on all of these things to earn money blogging.

Learn more about my expenses at My Complete List of Monthly Expenses for a Multi Million Dollar Blog.

 

How many views do you need to make money blogging?

You do not need millions of pageviews per month to earn money blogging, but if you want to increase your income, it will be important to increase your page views.

Every blog is different, and it isn’t always the blogs with the largest number of readers that make the most money. That’s because once you understand what your readers want, understand how to effectively reach out to companies for partnerships, and know how to charge the correct rate, you can make a good income online in many cases, regardless of the amount of pageviews you receive.

But, if you want to increase your pageviews, here are my tips:

  1. Publish high-quality blog posts. Readers come back to blogs with high-quality and helpful posts. I recommend that your blog posts be at least 750 words, but more wouldn’t hurt either. The majority of my blog posts are around 1,500 to 3,000 words (this one is close to 5,000 words!).
  2. Be active on Pinterest. Pinterest is one of my top traffic sources. To increase your pageviews with Pinterest, I recommend creating great images, making sure the description and title of your images are catchy, pinning regularly, and only pinning long images. I use Picmonkey to edit all of my images and Tailwind to schedule them.
  3. Be active on other social media sites. Social media lets you interact with your audience more and can help you expand your audience. Besides Pinterest, you may want to check out Facebook, Twitter, TikTok, Instagram, Snapchat, Youtube, and others.
  4. Post regularly. If you want to earn money blogging, you should publish something at least once a week. Going for weeks or months at a time without a blog post can lead to readers forgetting about you.
  5. Network with other bloggers. You should look at other bloggers as friends and colleagues, not competition. This means you may want to interact with them on social media, reach out to them via email, attend conferences, and more. Of course, be genuine and give more than you take.
  6. Guest post. Guest posting is a great way to reach a new audience and helps build partnerships with other bloggers.
  7. Make sure it’s easy to share your content. I love sharing posts on social media, but it gets frustrating when some blogs make it more difficult than it needs to be. You should always make sure it’s easy for readers to share your content. This could mean making your social media icons easy to find, having all of the info input that is needed for sharing (title, link, and your username), and so on. Also, you should make sure that when someone clicks on one of your sharing icons the title isn’t in CAPS (I’ve seen this too many times). No one wants to share a blog post when it sounds like you’re screaming at them.
  8. Create catchy headlines. The title of your post is a major factor influencing whether readers click over or not. I like to use the CoSchedule Headline Analyzer to help me with my headlines.
  9. Learn SEO. SEO (search engine optimization) is not something I could teach in such a small section, but I recommend doing your research and learning more about what it is and how it can help you.
  10. Make it easy for readers to browse. If you want more pageviews, you should make it as easy as possible for readers to read your other blog posts. Readers should be able to easily find your blog homepage, categories, tags, search bar, and so on. Also, I recommend including links for related posts in every single one of your blog posts.

 

How often should I blog?

I recommend publishing a blog post at least once a week.

This is because consistency is important when it comes to blogging.

I started out publishing short blog posts a few times a week. Now, I try to do just one long blog post each week. I find that works best for me and Making Sense of Cents.

Others may decide to blog every single day, and some may try every other day. It all depends on what you would like to do.

 

How many blog posts should I have before launching?

I recommend simply just launching your blog with one blog post. You can continue to add more as you go.

I recommend this because you won’t have a ton of readers in the beginning anyways, so just getting started is going to be your best plan of action.

Too many people overthink this question, which just delays them from actually starting their blog.

 

What is the ideal length for a blog post?

The ideal length varies. I usually recommend that a blog post be at least 750 words.

For Making Sense of Cents, my blog posts are almost always at least 2,000 words, and I have written some huge whoppers (like this one) that are around 5,000 words too.

The ideal length for your article will depend on your niche, and the topic that you are writing about.

 

How do I get my blog noticed by Google?

For your blog to be found on Google search results, you’ll want to learn about Search Engine Optimization (SEO).

You can sign up for The SEO Starter Pack (FREE Video Training) – Level up your SEO knowledge in just 60 minutes with this FREE 6-day video training.

  • The exact template that helped my site earn $95,000 in affiliate income last year
  • How I grew my blog to over 80,000 page views a month in 14 months
  • How to Optimize a Blog Post for SEO

 

How long until a blog makes money?

This is a hard question to answer, and it’s also one of the most common questions I receive.

As you can tell from my past income reports, it took me nearly a year of blogging to start earning a few hundred dollars a month from my blog. After two years of blogging, I was earning several thousands of dollars a month, which was all on the side of my day job.

I know some bloggers who were making thousands of dollars a month after just a few months of blogging. There are bloggers out there who began a year or two after me and are making hundreds of thousands of dollars a month. There are also other bloggers who aren’t making any money at all.

As you can see, blogging is not a get-rich-quick scheme and there isn’t a timeline for when you will start to earn money blogging. However, if you are serious about it, you never know what it may turn into.

It all depends on you, the effort you put into your blog, whether you have the time to learn how to monetize your blog, and more.

 

How do blogs make money?

There are several ways to earn money blogging, including:

  • Affiliate marketing – I recommend signing up for 10 Easy Tips To Increase Your Affiliate Income to learn more
  • Blog sponsorships
  • Display advertising
  • Product sales
  • Staff writing

I go in depth on each way monetization method here – How To Earn Money Blogging: Your Top Questions Answered.

 

How do bloggers get paid?

Many of you are interested in blogging, but you aren’t sure where the income actually comes from.

How does the money actually get to you?

You receive blogging income from whoever is paying you.

  • If it is affiliate marketing you are providing, then you are paid by the company that makes the product or service. When someone buys something or signs up through your link, that’s when you get.
  • If someone is paying you to place an advertisement on your website, then you get paid by the company who you are advertising for.
  • If you are publishing a sponsored post, then you are paid by the company who is sponsoring that post.
  • If you have display ads on your website, such as with Google Adsense, then you are paid by Google or by any number of other companies.

There are many companies and blogging networks out there that you can use to earn money blogging, and they usually pay you through PayPal or with a check in the mail.

 

What blogging ebooks and courses do you recommend?

It takes a lot of work to grow and build a successful blogging business!

If you want to earn money blogging, then you may want to look into buying ebooks and/or courses that will teach you about the topics that will help you become a better blogger from the very beginning. Plus, there are many blogging secrets that you just can’t find by searching the internet. So, by taking a course or reading an ebook, you will learn the exact steps to take to help you succeed.

I’m almost always taking new blogging-related courses because I know that there is always something new to learn.

Here are the ebooks and courses that I recommend for bloggers:

  • Making Sense of Affiliate Marketing. I share my exact strategy and tips in this very informative online course. If you’re a blogger, then you NEED this course. I show you exactly how to make passive income from blogging, even while you’re sleeping.
  • 21 Strategies I Used to Increase My Monthly Page Views from 17k to 400k+ in 10 Months. Lena Gott’s guide is full of great information on how to increase your blog’s page views. If you are feeling stuck or if you are a new blogger, check out this resource! Lena went from 17,000 monthly page views to 400,000 and shares all of her best tips in this guide.
  • Making Sense of Sponsored Posts. I launched this course with my sister, Alexis of Fitnancials, in 2018 to help bloggers earn money through sponsored posts. Between the two of us, we earn around $20,000-$30,000 a month from sponsored posts. We teach finding sponsorship deals, maintaining partnerships, and how to always make sure that you are helping your readers.
  • My favorite Pinterest course is Pinterest Traffic Avalanche. This course shows you how to get free traffic from Pinterest to your blog. You’ll learn about Pinterest SEO, how to set up Rich Pins, how to create viral content, how to make Pinterest images, all about group boards, and many other valuable Pinterest strategies.
  • If you want to learn about Facebook ads, I recommend reading How One Blogger Grew His Blog to Over 2 Million Visitors In A Year.

The blogging ebooks and courses above will help you to create a successful blog. They will show you how to master Facebook, get crazy traffic from Pinterest, grow your blogging income, and more.

 

If blogging is so great, then why doesn’t everyone do it?

I hear questions like this pretty often. I also get a lot of people asking me, “If it’s so easy, why don’t you just start multiple blogs and make even more money?”

Blogging is not printing money.

It’s not a scam, and it’s not a get-rich-quick scheme.

Learning how to earn money blogging is work, and just like with all jobs – not everyone wants what you want.

And, for every successful blog out there, there are probably hundreds of bloggers who will never earn money blogging. While you can earn money blogging, not all bloggers will.

It would be like saying that 100% of people who start a business will see success. That is just never going to happen – businesses fail, business owners have a change of heart, and others just don’t find it enjoyable.

I know I am always talking about the positives of blogging, but I also like to mention how it’s not the easiest.

After all, if blogging was easy, then everyone would do it and everyone would make thousands of dollars a month.

But as you know, that’s not the case.

Not everyone is going to earn money blogging because it is WORK! Most new bloggers quit just a few months in. A few months is not enough time to see if your blog will be successful. It took me six months before I started to earn money blogging, and I only earned $100. Now, I have made over $5,000,000 from my blog over the years.

It’s funny/weird to think about what life would be like if I would have quit back then.

Just like you, I went from asking “what is a blog?” to where I am now. And, I’m constantly learning new things about blogging and that is one of the reasons why I enjoy it so much.

Once you realize that blogging is hard, you will be ahead of 99% of everyone else in the game. Don’t assume, like most people do, that blogging is easy money.

Starting a blog can be difficult. But, all bloggers start at the same point.

I remember being so lost when I first started my blog. I had to learn everything the hard way – it sure was difficult at times.

But, I have always really enjoyed blogging. I think that is so important when it comes to this type of business – you either need to have passion in your blog and/or passion in what your blog allows you to do in your free time (such as travel or spending more time with your family).

 

Have other blogging questions?

Don’t fret!

I have other blog posts similar to this one where I have answered many other blogging questions.

Please head to How To Earn Money Blogging: Your Top Questions Answered for answers to questions such as:

  • How does a blogger network with other bloggers?
  • What processes do you have with new blog posts?
  • In what ways can I start making money from a blog?
  • What is affiliate marketing?
  • What are sponsored posts?
  • What is display advertising?
  • Can I create my own product to sell on my blog?
  • Do you have to pay taxes on blogging income?
  • Where do you get your photos from?
  • Why do I need an email list for my blog?
  • How do you think of ideas for new blog posts?

I was going to include all of those questions here but that would have made this blog post well over 10,000 words!

What other questions do you have about blogging?

The post What Is A Blog, How Do Blogs Make Money, & More appeared first on Making Sense Of Cents.

Source: makingsenseofcents.com

The Baby Steps Explained, And Why They Work!

These are the steps that introduced me and my husband to what financial independence is and for that I am eternally grateful. But a lot of important considerations get looked over if you just find a list of the steps…

The post The Baby Steps Explained, And Why They Work! appeared first on Modern Frugality.

Source: modernfrugality.com

How to Sell Travel Photos and Turn Your Memories into Cash

One way to make money while you’re stuck between the four walls of your home: take a trip down memory lane.

If you travelled a lot prior to the pandemic, dig through your old photos. Pause when you find the ones that take your breath away.

You can sell those breathtaking photographs, bringing in a little side income even while your travel plans are grounded. Here’s how to sell travel photos.

Sell Your Travel Photos to a Stock Agency

When you sell your travel photos to a stock agency, you’ll upload a high-resolution version of your image to their website. Then, the agency connects those shopping for images with your work. For each photo sold, you’ll earn a royalty.

Because you’re often signing away some of the rights to your photography when you work with a stock agency, be careful to pick the right agency the first time. You usually won’t be able to list your images on more than one site.

There are many microstock agencies that pay pennies for each photo sold. Instead, check out these five sites that pay $100+ per photo.

Sell Your Photos to Travel Magazines

Before publishing moved predominantly online, selling photos to travel magazines was a lucrative venture. Today you likely won’t be able to build a career on travel magazine photography alone, but you can bring in some side hustle income.

Most photographers aren’t going to break into major magazines like National Geographic, especially on their first try. But a practical alternative is looking for local magazines based in the places you have traveled.

For example, if you took a trip to the Adirondacks and got some gorgeous shots, you could submit them to Adirondack Life. This magazine pays between $75 and $400 per image.

If you have compelling images from your sojourn in the Nevada desert, Nevada Magazine may be interested in them. Here, you’ll make $25-$250 per image.

 

Get Paid to Photograph Campsites

HipCamp is the Airbnb of campsites. And just like on Airbnb, the people who list their properties on HipCamp could use the help of a photographer. Visually appealing listings get booked more often.

HipCamp works with photographers — including amateurs — to facilitate this photography service. Here’s what photographers get for visiting a campsite and providing their services:

  • $75-$100 cash compensation per campsite.
  • Free stay on the property.
  • Ability to bring others along with you on your trip.

You have to submit 15-20 photos per campsite. Prior experience isn’t mandatory, but the end product must be high-quality, and your equipment has to be quality, too.

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Sell Prints or Novelty Items

Another way to make money off of your travel photography is by selling prints or novelty items with your photograph printed on them.

Smugmug, for example, allows you to sell your photography on coffee mugs, magnets, coasters, ceramic tiles and more. You can also sell photo prints, and you get to keep 85% of the profit.

If you want to keep even more of the profits, you can sell your photography on Etsy. Etsy pays you 96.5% of each sale minus $0.20. On Etsy, you’ll either have to make all novelty items yourself or enlist the help of a drop shipper who also offers printing services.

Pro Tip

Remember: You can boost your sales on all platforms by marketing your work on social media.

Brynne Conroy is a contributor to The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Source: thepennyhoarder.com

The Risks of Playing The Stock Market

child's hand playing chess

To the uninitiated, the stock exchange can seem like a casino, with news and social media feeds sharing stories of investors striking it rich by playing the stock market. But while there are winners, there are also losers—those who lose money playing the market, sometimes pulling their money out of the market because they’re afraid of the potential of losing money.

Playing the stock market does come with investment risks. For new investors learning how to play the stock market can be a frustrating, humbling, and in some cases, incredibly rewarding experience.

While investing is a serious business, playing the stock market does have an element of fun to it. Investors who do their research and tune into the news and business cycles can take advantage of trends that might better enable them to earn good returns on investment.

This is what you need to know about how to play the stock market, the risks involved, and what makes the market so alluring.

Playing the Stock Market: What Does it Mean?

Despite the phrase “playing” the stock market, it’s important to make the distinction between investing and gambling up front.

safe investment—in a way each investment can feel like a gamble. However, it’s important to keep in mind that the market is not a casino, and just because there’s risk involved doesn’t mean that “playing the market” is the same as playing roulette.

So what does “playing the stock market” actually mean? In short, it means that someone has gained access to and is actively participating in the markets. That may mean purchasing shares of a hot new IPO, or buying a stock simply because Warren Buffett did. “Playing,” in this sense, means that someone is investing money in stocks.

Playing the Market: Risks and Rewards

Learning how to play the stock market—in other words, become a good investor—takes time and patience. It’s good to know what, exactly, the market could throw at you, and that means knowing the basics of the risks and rewards of playing the market.

Potential Risks

In a broad sense, the most obvious risk of playing the market is that an investor will lose their investment. But on a more granular level, investors face a number of different types of risks, especially when it comes to stocks. These include market risk, liquidity risk, and business risks, which can manifest in a variety of ways in the real world.

A disappointing earnings report can crater a stock’s value, for instance. Or a national emergency, like a viral pandemic, can affect the market at large, causing an investor’s portfolio to deflate. Investors are also at the mercy of inflation—and stagflation, too.

For some investors, there’s also the risk of playing a bit too safe—that is, they’re not taking enough risk with their investing decisions, and as such, miss out on potential gains.

Potential Rewards

Risks reap rewards, as the old trope goes. And generally speaking, the more risk one assumes, the bigger the potential for rewards—though there is no guarantee. But playing the market with a sound strategy and proper risk mitigation tends to earn investors money over time.

Investors can earn returns in a couple of different ways:

•  By seeing the value of their investment increase. The value of individual stocks rise and fall depending on a multitude of factors, but the market overall tends to rise over time, and has fully recovered from every single downturn it’s ever experienced.
•  By earning dividend income. Dividends can also be reinvested, in order to further grow your investments.
•  By leaving their money in the market. It’s worth mentioning that the longer an investor keeps their money in the market, the bigger the potential rewards of investing are.

How to Play the Stock Market Wisely

Nobody wants to start investing only to lose money or otherwise see their portfolio’s value fall right off the bat. Here are a few tips regarding how to play the stock market, that can help reduce risk:

Invest for the Long-term

The market tends to go up with time, and has recovered from every previous dip and drop. For investors, that means that simply keeping their money in the market is a solid strategy to mitigate the risks of short-term market drops. (That’s not to say that the market couldn’t experience a catastrophic fall at some point in the future and never recover. But it is to say: History is on the investors’ side.)

Consider: If an investor buys stocks today, and the market falls tomorrow, they risk losing a portion of their investment by selling it at the decreased price. But if the investor commits to a buy-and-hold strategy—they don’t sell the investment in the short-term, and instead wait for its value to recover—they effectively mitigate the risks of short-term market dips.

Do Your Research

It’s always smart for an investor to do their homework and evaluate a stock before they buy. While a gambler can’t use any data or analysis to predict what a slot machine is going to do on the next pull of the lever, investors can look at a company’s performance and reports to try and get a sense of how strong (or weak) a potential investment could be.

Understanding stock performance can be an intensive process. Some investors can find themselves elbow-deep in technical analysis, poring over charts and graphs to predict a stock’s next moves. But many investors are looking to merely do their due diligence by trying to make sure that a company is profitable, has a plan to remain profitable, and that its shares could increase in value over time.

Diversify

Diversification basically means that an investor isn’t putting all of their eggs into one basket.

For example, they might not want their portfolio to comprise only two airline stocks, because if something were to happen that stalls air travel around the world, their portfolio would likely be heavily affected. But if they instead invested in five different stocks across a number of different industries, their portfolio might still take a hit if air travel plummets, but not nearly as severely as if its holdings were concentrated in the travel sector.

Use Dollar-cost Averaging

Dollar-cost averaging can also be a wise strategy. Essentially, it means making a series of small investments over time, rather than one lump-sum investment. Since an investor is now buying at a number of different price points (some may be high, some low), the average purchase price smooths out potential risks from price swings.

Conversely, an investor that buys at a single price-point will have their performance tied to that single price.

The Takeaway

While playing the market may be thrilling—and potentially lucrative—it is risky. But investors who have done their homework and who are entering the market with a sound strategy can blunt those risks to a degree.

By researching stocks ahead of time, and employing risk-reducing strategies like dollar-cost averaging and diversification when building a portfolio, an investor is more likely to be effective at mitigating risk.

With SoFi Invest®, members can devise their own investing strategy, and play the market how they want, when they want. Whether you’re interested in short-term trading or have your eyes on a longer-term prize, SoFi Invest is a way to dip your toes into the stock market and start investing today.

Find out how to get started playing the stock market with SoFi Invest.


SoFi Invest®
The information provided is not meant to provide investment or financial advice. Investment decisions should be based on an individual’s specific financial needs, goals and risk profile. SoFi can’t guarantee future financial performance. Advisory services offered through SoFi Wealth, LLC. SoFi Securities, LLC, member FINRA / SIPC . The umbrella term “SoFi Invest” refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
1) Automated Investing—The Automated Investing platform is owned by SoFi Wealth LLC, an SEC Registered Investment Advisor (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC, an affiliated SEC registered broker dealer and member FINRA/SIPC, (“Sofi Securities).
2) Active Investing—The Active Investing platform is owned by SoFi Securities LLC. Clearing and custody of all securities are provided by APEX Clearing Corporation.
3) Digital Assets—The Digital Assets platform is owned by SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.
For additional disclosures related to the SoFi Invest platforms described above, including state licensure of Sofi Digital Assets, LLC, http://www.sofi.com/legal.

Investment Risk: Diversification can help reduce some investment risk. It cannot guarantee profit, or fully protect in a down market.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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The post The Risks of Playing The Stock Market appeared first on SoFi.

Source: sofi.com

Women in Tech: Get Hired Jan. 28 at This Free Virtual Job Fair

Fairygodboss recommends that attendees have at least two years of job experience and that students should hold off on attending until they graduate.
A resume or a PDF version of your LinkedIn profile is required to register for the fair. Registration closes Jan. 26 at 10 a.m. Eastern.
Each company has open positions in a variety of tech-related roles, including:

  • Cybersecurity
  • Data science
  • Software design and engineering
  • Tech consultants and team leaders
  • User-experience and user-interface design

Source: thepennyhoarder.com
If you can’t attend the event, consider signing up anyway. Fairygodboss will forward your resumes to the companies hiring at the event.
To request more information about a specific job listing, you may start a one-on-one chat or video session with a hiring manager. Or if you’re making a good impression, the hiring manager may request a chat session with you.
You’ve already broken the mold. You’re a woman in a career field often thought of as a boys’ club. All that’s left is to land a first-rate job at one of the nation’s largest companies.
Fairygodboss is giving you the opportunity to do just that — from the comfort of your home. The women-centric career website is hosting a virtual job fair for women in technology, Jan. 28 between 10 a.m. and 3 p.m. Eastern. Big-name employers such as Citi Intuit, ON Semiconductor, PwC, Verizon, WWE and several others are recruiting at the event.
Don’t worry if you’re new to virtual job fairs. You’re not alone. Read our step-by-step guide on how to prepare for a virtual job fair.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Pro Tip
During the event, you will be able to virtually meet hiring managers through an online portal. Each company will have a digital booth, similar to a real job fair, where you can learn more information about the company, browse open positions or join a chat room with other attendees and hiring managers.

And if you’re strapped for time, here are the big takeaways.
Traditionally, careers in computer science have had higher male populations, but according to the Bureau of Labor Statistics, software-development and computer-information jobs are some of the highest-paying and fastest-growing jobs for women.

  1. Do your homework. — Just because the job fair is online doesn’t make it any less crucial that you make a good impression. Come to the fair prepared with tailored questions for the hiring manager.
  2. Take care of tech beforehand. — Is your account properly registered? Are your web browser and flash player up to date? Documents organized and ready to go? Don’t forget the motherlode of all tech issues: WiFi. Hardwire your computer with an ethernet cable, if worse comes to worse.
  3. Be interview-ready. — If all goes well, a hiring manager might ask to interview you on-the-spot. So be dressed to impress. Make sure you are in a well-lit, distraction-free area where you can chat. It’s OK if that’s not the case, too. Explain that you are not in the best environment for an interview, and offer alternative times when you are available.

Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.
Be sure to register for the virtual fair by Jan. 26 to reserve your spot.
Helping push that trend is Fairygodboss, a women-centric career network where women can find jobs, attend events, get career advice and rate employers. Each employer attending the event has been reviewed by Fairygodboss members, and the results are available on the registration page.

Colorado’s Historic Redstone Castle is Now for Sale, Asking $19.75 Million

The iconic Tudor-style mansion was built in 1902 and entertained historic figures like Teddy Roosevelt, J.P. Morgan and the Rockefellers.

Source: fancypantshomes.com

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