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Write Every Day: Start and Maintain a Daily Writing Practice

My name is Hannah bream and I’m a coaching and author with a long term. Regular writing habit. That’s helped me. Do things like write over 500 blog posts, work on dozens of projects for freelance writing clients, publish three seem to be four books and enjoy working on larger personal writing projects during this course I’ll be sharing insights, suggestions and creative coaching practices that will help you, kickstart Momentum and motivation with your most important writing project by the end of this course you’ll have started a writing practice that will set you up for future success with your projects.

You’ll also have a plethora of tools in your toolbox that will help you overcome some of the most common challenges. Regular writers face, so you can face any obstacles head-on, persevere and share your writing and gifts with the world. Write every day is to find for new writers. If you want to make the most of the time they have and start their writing careers with good habits already in place. It’s also for more experienced writers who are struggling to maintain a regular practice and want to learn how to create a right cabott and that’s a deal with the emotional ups and downs of the writing journey.

Whether you’re writing purely for personal pleasure to further your career or assets like projects, creating a regular writing habit, is a hugely rewarding and fulfilling practice that will enrich your life across the board. This course will give you the tools. You need to start writing and keep writing whatever else is on your plate. Thanks for your interest in write every day, I hope you’re as excited as I am, if you’re ready to join me and get writing head on over now and click the enroll button.

Otherwise, you can take this course for a test drive using the free creepy feature. I look forward to seeing you in the course you


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How & Where To Find Diversified Investments For Long Term Passive Income & Capital Growth

In this article I talked about the importance of buying and investing in two dimensional assets. If you want to build long-term passive income streams, the reason why I recommend that you buy assets that have capital growth elements or characteristics and income characteristics is because you want your passive income to grow year after year.

You want it to keep up with the cost of living, with inflation or just general increasing in quality of living expenses. And ideally, you want to be earning more passive income than what you spend so that you continuously grow your investment base and continue on earning more money and being even more financially free. Anyway, you guys loved the article and you loved the example that I use, where I compared a term deposit with a diversified share portfolio of industrial stocks and which actually also has a little bit nervous that publishing this, because it was quite a complicated article.

But you guys got your head around it and I was really relieved and really proud of the questions you guys asked and a lot of the questions were about okay. Well great. I we obviously want to build up a share portfolio of industrial shares, but how do we know what stocks to pick? How do we know what industries to look at? How do we know when to buy these stocks? How do we know what to look like? He things look within a company within the reports within the share price, and I want to put all those worries at bay, because people who do this for a little bit being about analyst stockbrokers and professional traders.

Now my blog is designed for everyday people, no matter where you are in the world and from all from levels of experience of financial education. So the good news is you: don’t actually have to do that? If you don’t want to, you, don’t have to pick your own stocks and to be honest for most people. One may simply do not have time to be analyzing different company reports and looking at the share market – and you know talking to people – and you know, rummaging through five different newspapers a day.

There are plenty, as in hundreds of thousands, of different investment options and products available to everyone that they can use to help, build and buy long-term passive income streams that have this two dimensional element of long-term capital, growth opportunities and long-term passive income versus passive income opportunities. Ideally through dividends, and so this is what this article is all about.

So before I launch straight into this, I want to remind you guys: building wealth is not a full-time job. I want you to be every day working or every week working on a little bit of your financial plan, but I want you to be enjoying life. I want you to be spending time with people that you love. I want you to be focusing on building your health and fitness and your you know emotional, mental and spiritual allottee.

I want you to be. You know, spending time progressing on your own career, so building up wealth is not a full-time job. It’s not something you have to completely and utterly like dedicate yourself every single spare minute or hour of the day doing this is something where a slow and steady wins. The race, making wise informed, educated decisions is the way to go. So I’m going to share with you three different investment products that are available to you that match this requirement for long term income and capital growth net assets so option number one is a management, so typically most manage funds are like a retail products.

You buy them directly from a fund manager and their job is to pull everyone’s money together and go out and work out what investments they want in the portfolio, what the goals are of the portfolio. And what is you know, the mix of assets, and it is a great way of build a diversified investment base, particularly with a small amount of money. If you’re starting off some Finnish funds will accept as little as $ 5,000 as as a starting amount and a lot of funders actually allow you to make regular investment plans, for example, you can then in this invest an initial amount of say five thousand rolls, and Then contribute say $ 100 or $ 500 per month on a direct debit plan which is automatic, and that is a great way of taking.

You know your hard-earned precious money and making sure that you spread that risk so that you’re not having to buy only one stock or five different stocks with a thousand dollars each that also. It takes a lot of stress and pressure off your shoulders, because that fund manager is deciding where that money goes, and they have to outline the strategy and the goals behind that they have to disclose where that is that.

That money is actually invested and they also have to report to you and let you know what your unit holding within the managed fund is worth and they also pay dividends to you on a regular basis. Now there are lots of different types of managed funds and different objectives and design for different people with different risk profiles. So you really need to do your research. I will put in the description box below the link that I referred to previously, that helps you work out your risk profile, which can then help you work out, which managed funds you want to buy or which fund manager you want to invest with, but make sure You understand what your risk profile is and that it matches your long-term goals.

The second option for wanting to build up an investment portfolio, that’s well diversified that you don’t need to do your own. Detailed analysis is exchange-traded funds. Now I’ve previously made a article explaining in a bit more detail of what an ETF is, and I will again put that link at the description box below but essentially in each is traded on the market and that ETF is very similar to a managed fund.

But it tends to be a lot more cost-effective, but because it’s traded on the market like a stock, you cannot do a regular investment plan like you can do with a managed fund. But again, an ETF is a great way of accessing. You know with one unit a whole range of different shares that you may not be able to get access to, or a gaming client can’t quite hit that level up with the diversification again just like manage funds.

There are so many different types of ETFs, and every day there are more and more ETFs appearing on the market. You can get the fixed interest based ETF. You can get bonds, you can get Australian share based ETF’s. You can get commodity based ETFs. It really is it like a huge smorgasbord of ETFs that have in Australia, building and already established overseas. So there really is a wide portfolio selection for you to choose from so make sure you do your research and then the third option for building a diversified investment portfolio where you can outsource all those complicated or overwhelming stressful investment decisions is a listed investment company.

Now that is quite similar to an ETF and a managed fund in that elicited, investment company again is traded on the market. On the example, the ASX and you invest in that company. That company then manages the money and picks and runs the portfolio on your behalf. If you want to buy a listed investment into a listed investment, trust oil, implicit investment company, you must buy stocks in them on the stock exchange and predominately most listed investment companies invest purely in shares.

However, some have diversified into other asset classes. So if you’re looking to build up an investment portfolio, that’s just not purely shares there are these options available. So again, always do your research now another quick update on the thousand dollar project. You will see that I have been investing in individual stocks for the thousand dollar project portfolio. I think I’ve probably got between sort of 15 to 17 different companies within the portfolio and for me personally, I really enjoy I’m a bit of a nerd.

I enjoy researching different companies, reading reports and looking for good value in the market. However, my strategy is starting to change. Whilst I’ve got all these stocks that I have picked and choose, and I’ve chosen to add to the portfolio, I am personally starting to add more listed investment companies into the sugar mama thousand dollar project portfolio and that I’m actually going to focus on all new money.

Going forward for the time being, to really fatten up my exposure, because I want more professionals helping manage and run this investment portfolio for me. So this is essentially like a core strategy, so my listed investment stocks will be probably between thirty to forty percent of the overall portfolio. I will then continuously as I choose and as I wish pick the individual stocks and companies that I want to invest in when I see fit or when.

I think this is a great opportunity to buy or what you know, depending on the overall diversification of the portfolio, but I’m really going to focus on incorporating experts and professional fund managers with large amounts of knowledge and experience and training to really help make the sugar Mama thousand dollar project portfolio grow as much as it can and continuously build that passive income, because I’m a big believer in leading by example, showing you guys, because I show you guys successfully you’re more likely to get on board.

And, of course, as you guys know, the passive income from the thousand dollar project goes to a different charity every single year. As long as I can continuously afford to do this, I hope this article helps reassure you that you do not need to become some professional day trader or nerd that immerses themselves and crunches all these numbers all day. It simply does not need to be that complicated.

Definitely look at including in a professional fund manager or an ETF, whether index, tile, ATF or not, or simply a listed investment company to help you run your money and show you how to get your money working as hard as possible for you now. That’s it this article, it’s probably a little bit longer than I actually thought, but, as I said, I will be going and doing more articles breaking down those three different investment options in more detail.

But I just wanted to reassure you that you do not need to be doing this yourself. It really doesn’t have to be complicated and you’re more than capable of creating financial freedom for yourself I bet around, but I will see you later in the week for a lifestyle of and if you haven’t already of course, please subscribe and feel free to share any Of these articles, with your family and friends ciao for now


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Growing Passive Income for Wealth: INVESTING in shares/stocks || SugarMamma.TV

So you can make more informed decisions when it comes to managing your money and actually see your financial wealth build and actually realize that financial security and independence is well within your reach.

When you make great decisions with your hard-earned money, all right today, guys I’m talking to you about passive income streams. There are a whole range of different passive income streams, some which are very conservative, some, which are quite aggressive. However, it’s important that you pick the right income stream for you and for your financial goals and for your risk appetite now the people who are really nervous when it comes to investing and don’t have much experience.

They may want to start off investing in a fairly conservative styles of passive income sources, and these are typically cash savings accounts term deposits, maybe even some government bonds or even corporate bonds and typically because they’re more conservative, their returns are a little bit like that. Typically, a passive income stream, that is the yield of these conservative types of investments, ranges between 2 up to 3.

7 percent per annum. But these types of conservative assets generally have no capital growth, they’re, predominantly income based, which means if, for example, you bought a bond for $ 100,000 and the yield will say 3 percent, you would be getting only $ 3,000 a year in passive income from that bond. There is no capital growth element to it whatsoever, but if that’s right for your risk profile, you don’t like taking risk and you’re uncomfortable with it.

That may be the right type of investment for you now, the more aggressive or assertive you could say of investments for building long-term wealth are things like residential property, commercial property, domestic shares or international shares, and these returns are typically, as history shows a lot higher, because The more risk you take, the more of a reward you should get so residential property on average yields between 3 point to up to three point: nine percent.

But when you take out all the expenses of running a property, it typically comes down to a yield of around about two to two-and-a-half per year with commercial property. The yield tends to be a little bit higher around five point, five percent and when it comes to investing in shares, depending on whether it shares a base, for example, Australian shares the yield tends to range between four point: seven percent up to five point: seven percent.

When you factor in franking credits now, there seems to be a lot of misconception when it comes to investing in shares and comparing it against conservative estimates such as fixed interest bonds. However, I want to make sure you guys are aware of the difference between these two different types of asset classes and the impact over the long run. So the best way for me to show this to you is by showing to you what has happened in history.

If I were to take a hundred thousand dollars and put it into a term deposit in 1979 and just took the passive income each year and spent it, I never reinvested the money or added any new money to that term. Deposit account by 2016 that hundred thousand dollars would still only be worth a hundred thousand dollars, but it actually would have eroded away because that hundred thousand dollars could not buy me.

What it can today is what it could have done in 1979 and I would still be earning a passive income of two thousand five hundred dollars per year. That’s it, however, if I put that 100 thousand dollars into a diversified share portfolio of Australian shares, again just taking that passive income through the dividend, yields and spending it, adding nothing to it and not reinvesting any of my dividends that share portfolio would now be worth One point one: two million dollars and the passive income that I’d be receiving from that one point: one two million dollar share portfolio would be worth over fifty one thousand dollars every year.

Now, I’m pretty sure you would rather be receiving a passive income stream at 51 thousand dollars a year versus two thousand five hundred dollars a year. So you’re probably wondering how is this possible? How is the same amount of money invested in two different asset classes with SIPP, not too dissimilar yields over the long run so incredibly different? Well, it comes down to the fact that shares are two-dimensional assets.

They not only do they produce income, they also produce growth and that income grows with the capital value with shares. When a company raises profits, they reinvest some of those profits back into the business for future, compounding growth and to expand them, prove the value of the business, and then they pay a dividend on that and that dividend grows every year as long as the company grows. Now a lot of people say well, fine can investing in shares is incredibly volatile and comes a lot of risk.

And, yes, you are correct, you do when you invest in shares. There is a lot of high to medium term volatility over the short term medium term. I want to show you this other chart. This will really change your perception of really how safe term deposits are. If we look at the yield on term deposits and compare them against shares and even commercial property, in fact, it’s actually the toh deposits, which are a lot more volatile over that 17 year period, so that perception of term deposits being safe.

And you can sleep well at night versus shares being risky and dangerous isn’t actually quite true. So what this boils down to you? If you’re trying to build up a passive income stream, you’ve really got to look at the underlying assets in your portfolio. You do not want to forego long-term growth for stability. You need to make sure that your passive income and your investment portfolio is sustainable.

Is going to provide you with that passive income. That’s going to grow over time and ensure that you remain financially independent. Do not fall into the trap of just going in investing purely for yield with no capital worth. This will come with a lot of regret, further down the track and if you’re going to build up an investment portfolio where you’re going to incorporate more of these growth style, investments such as international and Australian shares and even some property make sure you diversify.

You do not need to go all or nothing most. People have a diversified share portfolio where they may have some commercial property, some residential property. You know a mixture of Australian shares and maybe some international ETFs. It’s a really well diversified portfolio which smoothes out the overall volatility over the long run and, of course, make sure that you look at the yield but make sure that the yield is consistently growing over time.

This should be the foundations of what you look for in a quality investment. Now, as you’re reading all of my money Monday articles, I really hope that your site to get it be more interested and a bit more inquisitive and maybe even tempted to start building up a share portfolio. But please remember you do not need to stress about which shares to pick and where and how and what you can very easily a listed investment company that does all that work for you or even a managed funds.

It doesn’t all that work for you or even look at a diversified ETF. There are so many different investment options out there. You do not need to put the stress and pressure on your shoulders as to what stocks to pick when how and why this can be outsourced to a professional all right. Everyone, I really hope you’ve enjoyed this article – remember, invest the for the long while invest for long term, capital, growth and long term growing yields, that’s the key foundation to building healthy, strong, passive income streams ciao for now, if you haven’t already subscribed, please make sure you Do


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What Is Passive Income? How To Build Passive Income? SugarMamma explains… || SugarMamma.TV

Now I’m all about building passive income, but a lot of people don’t really understand what passive income is and that’s perfectly normal, because it’s not really spoken about every day. But passive income is essentially money that works for you or, as I like to save money that you make while you sleep. So you know, when you look at your bank statements, you’ll see like tiny bits of interest, it might be a dollar or it might be.

Ten dollars or a hundred dollars a month that you’ve technically earned well you, that is an example of passive income. You haven’t actually physically done anything to earn that interest off your bank account. The bank has paid you some money because it’s been using your money. So examples of passive income are things like rent from investment properties, my favorite dividends from shares, even things like royalties, anything.

What you haven’t physically have some do anything to earn money or to receive money and the key to becoming financially free and financially independent, which is what I do for my clients. I help build them passive income sources and, if you think about it, say, for example, your living expenses say: seventy thousand dollars a year. If you could build up a passive income source, whether that be through a variety of different investments, you would technically be financially free and financially independent.

You wouldn’t have to put on a suit and go to work. You wouldn’t have to catch a bus to work. You wouldn’t have to go to work, you could just you know, travel around the world or go and study. You know as many courses as you like. You know, you know, stay at home and raise a family. You know you’d have complete freedom to create the life that you want. So this is what this blog is all about, and my passionate focus for you guys is to show you how to build.

You know passive income streams to give you that independence. If that’s, what you want to create for yourself and I’m going to be, and some other articles of work coming up, we’re actually going to be building passive income sources on my blog and I’ve got a lot of really cool, clever tips and tricks which you can Use and I’m going to be showing you how to do this with really not that much money and I’ll show you how powerful it is through compounding interest in building this passive income source, so that you can actually feel really inspired and go away and apply these Principles and and email me back and say: I’ve started building up my own investment portfolio and this is how it’s going so yep.

So that’s how but that’s what passive income is all about and that’s what I’m going to be really focusing and inspiring you and motivating you to do for your create for yourself, okay, so ciao! For now and I’ll see you in my next article bye,


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HOW TO BECOME A TECH INFLUENCER

My man Flossie caught a big time in the text faced with reviewing products yo. What’s up, everybody should boy floss back again with another article and today we’re going to do a quick unboxing of the iPad pro the beach studio. 3, the Samsung Galaxy S 10. You know if you want to get in the tech space. This is a guy. You have to go through Flossie.

Do me a favor for anybody thinking about getting into this space? What is the best advice you ever got. The best advice that I have a guy would be take your time. I have patience because nothing’s going to happen overnight. So if you want to make this your career, your job, it’s I hustle just get into it, but take your time and do it right if anybody’s trying to get into this space, what platform would you recommend form, I would say, definitely start off on YouTube: build Up your following, because youtubers were you going to make the money, but you need to Instagram and Twitter and Facebook and all that, keep that on the side start off with YouTube, if anybody’s trying to get action, what can they find? You can hit me up on Instagram Flossie underscore Carter, but take it right to YouTube Flossie card.

I love all day baby. Do me a favor make every move, a Power Move and I’ll catch y’all all on the next article, all love! What’s up guys thanks for sticking with me to the end of the article truly appreciate you if you like anything, you heard here today go ahead and hit that subscribe button, and if you know anybody that can benefit from this message feel free to share peace and Love


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