Best Home Improvement Loans 2019

Does your home need maintenance or improvements?

For homeowners in the US, Andy Kearns (LendEDU) has sent me the following link with an outline the best personal loan options for home improvements, plus information on each lender such as their rates, loan amounts, and eligibility requirements.

 https://lendedu.com/blog/best-home-improvement-loans

Most homeowners have to-do lists full of home improvement projects which can get quite expensive. For this reason, they wanted to create an article educating them on the costs involved, ways to finance the project, and when it’s a good idea to work on home improvements.

How often do you think about your thoughts?

Everything we are, arises with our thoughts. Buddha is believed to have said this thousands of years ago, but it is not original, the concept is also found in the Bible, in Hindu sacred literature and is fundamental to most of the world’s religions.

The problem for most of us is that thoughts just come into our head without us doing anything to put them there in much the same way that our heart beats without us having to think about it. These are often referred to as automatic thoughts and a lot of the time they are negative, even though we don’t realise it, and we are thinking and worrying about things in the past or in the future, stressing out over things we have no control over and that may be highly unlikely to ever happen anyway. Sometimes, these thoughts in our mind seem to be going around and around to such an extent that we feel overwhelmed because we don’t know how to turn them off.

So, the important question really is “can we control our thoughts and focus only on the thoughts that we believe are important to us and let all the others go by?

The good news is that we can. William James, one of the founders of the philosophical school of pragmatism, said The greatest weapon against stress is our ability to choose one thought over another.”

Of course, although we have the ability to choose which thoughts to focus on, we have to train our mind to filter out probably 99% of our thoughts as they are not useful.

Thinking

Learning to Train Your Mind

A good way to start is to practice what has become known as mindfulness, the practice of purposely focusing your attention on the present moment?—?and accepting it without judgement. Scientific studies of mindfulness have found it to be a key element in stress reduction and overall happiness.

It’s become increasingly common for mindfulness meditation to be combined with psychotherapy, especially cognitive behavioural therapy, which makes makes good sense, since meditation and this therapy share the common goal of helping people gain perspective on irrational, dysfunctional, and self-defeating thoughts.

There is more than one way to practice mindfulness, and a web search will bring up many options such as joining a yoga group or daily meditation. But if you want to get started on your own, here’s the method I learned about 15 years ago and it has worked well for me.

Sit or lie comfortably in a quiet place and relax your body

Woman Resting

Focus on an aspect of your breathing, such as the sensations of air flowing into your nostrils and out of your mouth, or your belly rising and falling as you inhale and exhale.

 

Once you’ve narrowed your concentration in this way, begin to widen your focus and become aware of sounds, sensations and the thoughts passing through your mind

Accept each thought or sensation without judging it good or bad. If your mind starts to race or to wander, return your focus to your breathing. Then expand your awareness again.

Once you learn to focus your thoughts this way, you can change negative thoughts to positive ones.

Perhaps you dread going to the dentist yet have an appointment coming up and your thought is “I have to go to the dentist”. Consider this thought and realise that when we say we “have to” do something we are dis-empowering ourselves, making ourselves the victim of what we must do. Experiment with using a different word, such as “I plan to go to the dentist” and repeat this new sentence a few times and see if you feel a subtle difference in your mind and body. Now, make another change to your sentences such as, “I choose to go to the dentist” and notice the difference you feel. Once again, change your sentence to something really positive like, “I really appreciate the benefits of going to the dentist and getting my teeth fixed up” and realise that it is true, you really do feel better after your dentist has finished working on your teeth.

Now that you understand the process, use it on other limiting thoughts you have, such as:

I don’t like meeting new people
I’m terrified of having to speak in public
I’ll never lose weight
I hate my job

You Are In Control

You Are In control of Your Life

With time and practice your thoughts will become more positive and more empowering. Unconscious thoughts will still occur naturally but it’s up to you to monitor them and control the quality of your thinking.

You are the master of your thoughts and the creator of your life. You are always in control even if you make poor choices!

Man can alter his life by altering his thinking”. ? William James

Control your thoughts and everything will be under your control.” ? Debasish Mridha

Two Small Sentences that Eased My Trepidation

When you need Encouragement

Trepidation-Uncertainty

 

I’ve just read Alex Mathers article “What I learned writing thirty self-development articles in thirty days”, and as a newbie on Medium with the goal of writing every day, I was encouraged by what he had to say.

 

Two sentences stood out for me; the first was:

Being OK

 

“We must be OK with the idea that some of our work will be ignored or disliked.”

This was timely advice for me because I’d been spending so much time on each article that it was turning into a real drag, instead of something I’d hoped to enjoy and be stimulated by. You’d think, being in my senior years now, that I’d have understood this concept pretty well by now and I do, in other areas of my life, but this is the first time I’ve really put my writing “out there” and so there’s this tendency to be self-conscious and want perfection (never achieved of course) but still aimed at.

Alex’s other sentence that jumped out at me was:

Show Up

Showing up will show the world you mean business, but it?—?more importantly?—?will show yourself what you are capable of.”

Now that was just what I wanted to hear; it doesn’t matter if anyone reads my stuff or not, I’m writing for myself and to see what happens. Self-growth of some kind must occur!

Earning Affiliate Income

What is affiliate marketing?

Affiliate Marketing Blog Intro

Affiliate Marketing is a marketing arrangement by which an online retailer pays commission to an external website for traffic or sales generated from its referrals.
Although affiliate marketing is sometimes considered to be a grey area, somewhere between advertising and organic referrals, this hardly matters to the people who earn money in this way. Affiliate marketers’ greatest asset is their list (or audience): they are able to earn a revenue share only because of  the highly-qualified (relevant) traffic they can drive to someone else’s online businesses.

Why Affiliate Marketing Works

The people who create products or supply services are usually not going to be experts in the field of selling, or marketing. Rather than trying to learn how to do it themselves or pay someone to do it for them, it makes economic sense to use affiliate marketers who already have a wide audience to recommend products to people who have already bought similar offers. Even though commissions for digital products can be quite high, often > 50%, this is still a good deal for the seller. Once a digital product has been produced, there is no additional cost for extra sales, so 50% of each sale an affiliate makes is better than 100% of no sale at all. Right? So affiliate marketing works because it is a win-win situation.

How Affiliate Marketing Works

Affiliate marketers gain their success by cultivating a particular audience and developing a rapport with them. Some of the tactics used are:

  • Establish themselves as an expert in their industry
  • Sharing their  stories, about particular products or services they’ve used themselves & found to be helpful to them
  • Publish reviews of products or services
  • Create in-depth buying guides that compare several similar products or services
  • Offer special discounts to their list members for the products or services they promote

I’ll be following up with more about this topic in the next few weeks as I review current ways to make extra money online.

Free Online Excel Training

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I have just been pointed to an excellent free  resource for those of you who use spreadsheets or even those who don’t yet but would like to learn how to use them – a brand new website about Microsoft Excel!..

SpreadsheetO Video

 

Now I’ve been using spreadsheets for many years, I love them, I even use excel as my calculator because my arthritic fingers often hit the wrong button on a calculator but I don’t realize so get an incorrect total, but with a spreadsheet, I can see the figures I enter and I just have a formula at the bottom that works out the total for me..

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In my work with bookkeeping clients, I’ve created a spreadsheet to work out the split for  invoices with a mixture of tax and no tax items that have to be split into several cost centers – this was a real pain to do each time, but now it’s a breeze, all I need to do is enter invoice total, tax amount and % breakups and presto, the figures to enter are sitting there for me!

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spreadsheetOSpreadsheeto is all about depth. That means each topic get thoroughly explained, in an easy-to-understand manner. All of their content is free and up to date. So even though you’re not an “Excel-nerd” (like they are), you can learn to do some pretty amazing things.

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Even if this is not for you, if you know someone who has to use a spreadsheet, maybe for a club or organisation they belong to, pass on this link to this excellent  Excel training resource..

Here's the link to check it out yourself?
http:// spreadsheeto.com/free-excel-training/

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Take a Course on Udemy

udemy_logo_600_w_backgroundI am a great fan of Udemy and have enrolled in a number of courses, some completed and others not yet.

I am in good company because there are 2 million in 190+ countries are taking online courses on Udemy. Course they are taking include:

Programming,  Yoga,  Design,  Photography,  Spanish,  Marketing,  Guitar,  Finance,  Cake Decorating and many many more

More than 12,000 courses (in 10 different languages!) have been published in our marketplace. Each course is designed & taught by an expert instructor and hundreds of new courses are published every month.

So whether you want to get promoted, break into a new industry, start a company, or just further a passion, Udemy’s here to help you achieve your goals.

It’s not just about taking other people’s courses either – anyone can be an instructor, teach a course and charge money for it!

It is a huge opportunity, because Udemy hosts all your course content for you, videos, power point presentations, audio, mindmaps, text etc, whatever teaching materials you prefer, with the proviso that at least 60% must be video content. They even have an excellent free course teaching you How to Create a Udemy Course.

Naturally, there a some standards to be met,

but there is so much help and support that I believe anyone who has something to share could teach it on Udemy.

I am practising what I preach and have just started my first course. Will update you as I go along……

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Udemy Special Deals

For those who love learning something new

It’s well worth signing up for Udemy’s newsletters or “Liking” their Facebook page so you hear about all the specials – for example, for a limited time you can enroll in courses from Infinite Skills for only $10 – a huge discount from the usual price of $99.

Udemy special offer from Infinite SkillsClick this link to go to the facebook page

Learn from a Udemy Course Today!

Do you love to learn something new?

I do and I have enrolled in several courses in a fairly new institution called Udemy.

Udemy

 

 

 

 

 

 

 

 

 

 

 

 

Our team recruits the world’s top experts, including New York Times best-selling authors, CEOs, celebrities, and Ivy League professors. These expert instructors have taught over 500,000 students on Udemy, helping them learn everything from programming to photography to design to yoga and more.

Udemy is headquartered in San Francisco, California. It was founded in 2010 & is funded by Insight Venture Partners, Lightbank, MHS Capital, 500 Startups and other investors who previously foresaw the internet giants YouTube, LinkedIn, Twitter, Groupon and Yelp.

Udemy helps students make moves. Whether you want to get promoted, break into a new industry, start a company, further a passion, or just accelerate your life, Udemy helps you learn from the amazing instructors in the world, so that you can get there and get there faster.

If you are an expert in some area, Udemy empowers you to create a course and teach online. Best online teaching tools (for free!), a supportive instructor community, and expert course creation & technical teams dedicated to your success.

There is something for everyone there.  I am currently learning about photoshop, Kindle publishing, mobile marketing, website security and how to create training videos.

Best wishes
Trish

For more information, watch this YouTube Video

[youtube http://www.youtube.com/watch?v=UmKRevigZUg]