Book Review: Sophia Writes To Her Bully

Book Details:

Book Title: Sophia Writes to Her Bully by Dr. Mildred D. Peyton, with Leah N. Peyton and Jada L. Peyton
Illustrator: Andy Hoang
Category: Children’s fiction, 24 pages
Genre: Education, Social Skills & School Life
Publisher: CreateSpace
Release date: February 21, 2017
Tour dates: Oct 8 to 26 2018
Content Rating: G

Book Description:

Sophia experiences verbal and social (also referred to as relational) bullying from her classmates during recess. Whenever Sophia attempts to play with a group of students from her fourth-grade class, she is rejected; Amber also calls her an inappropriate name. Only when Sophia takes action by confronting her bully with a letter does her victimization finally end. Want to know what Sophia was being called and how her classmates treated her? Read Sophia Writes to Her Bully and find out what her letter is all about!

Social exclusion is a form of bullying experienced by some children. When it occurs, they feel isolated, alone, and humiliated. It is important for parents to be informed and talk with their children about all types of bullying (e.g., verbal, physical, social/relational, and cyberbullying) so they are better equipped to intervene or prevent their child from bullying others or being a victim of bullying.

My Thoughts:

If you want to talk to your child about bullying Sophia Writes to Her Bully is a solid introductory book worth sharing and reading together. In this story Sophia feels excluded by other children at school. When Sophia attempts to play with other students at recess she is purposefully excluded and mocked for being overweight. When she comes home visibly shaken and upset from the experience Sophia’s mom tries to help. Her mother suggests writing a letter to Amber, the student in Sophia’s class who seems to be the ringleader of this bullying circle.

Sophia loves the suggestion and writes a short letter explaining how hurt she feels when the other children exclude here and call her names. She asks Amber to step into her shoes. She wants Amber to think about how awful it would feel to be alone on the playground while everyone else enjoyed recess playing games and talking together. After writing the letter Sophia leaves it on Amber’s desk and waits for her to find it. The book unfolds with a happy ending where Amber befriends Sophia and invites her to play at recess.

While I think the book does a good job of introducing bullying I think it wraps up the ending rather quickly. As a child a friend of mine wrote a note to bully and was further mocked for trying to make peace. While I think writing a letter is a good suggestion I think the resolution of this story came to quickly. I am not certain if simply reading a letter would make most children stop their bullying behavior and I worry that a child reading this book would get their hopes up on such a happy ending.

Nonetheless I think this is a good book for children to read. It’s a good introduction to the topic and would be a valuable book for a teacher to share in the classroom.

To read reviews, please visit Dr. Mildren Peyton’s page on iRead Book Tours.

Meet the Author:



Dr. Mildred Peyton is the President and Founder of Peyton Consulting, LLC. Dr. Peyton established her consulting firm, which was initially geared towards school bullying services, in March 2016. She was inspired to create Peyton Consulting and become a children’s author on bullying after completing her doctoral research study entitled, “Exploring the Meaning of School Bullying Among Parents of Victimized Children.”

During her undergraduate internship in 2002-2003 at Salisbury Middle School in Wicomico County, Dr. Peyton and her team developed and facilitated a mentoring program, providing one-on-one conflict resolution and mediating skills to students who were identified by the program coordinator with ongoing needs of behavioral issues. One of the key/primary areas Dr. Peyton and the other mentors focused on was educating and addressing bullying issues with bullies and victims. And in her graduate program, Dr. Peyton also facilitated a school bullying focus group in 2005 at Maryvale Elementary School in Montgomery County, to teach participants about bullying behaviors and how to avoid bullying others. She also attended several bullying workshops to learn about the latest studies while working with the students. Her passion on this topic followed her even as she served as a member on the Committee on Hate/Violence at Montgomery County Office of Human Rights, in 2013. There she developed a brochure for students and parents for the annual bullying symposium and, provided rich knowledge and skills on this topic throughout the year.

Today, the company has expanded its services to target workplace bullying as well. With the experiences of others and Dr. Peyton’s personal experience with adult bullying in the workplace (which caused her to resign from her employer in 2016), she believes attention, guidance, and solutions are also critical in this area. Dr. Peyton holds a Ph.D. in Human and Social Services with a concentration in Social Policy Analysis & Planning. She has a Bachelor’s degree in Social Work and Sociology and a Master’s degree in Counseling Psychology. Dr. Peyton is committed to using her knowledge and skills to influence positive change among students and adults.

Connect with Author: Website ~ Twitter ~ Facebook ~ Instagram

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October 19, 2018 at 8:00 AM Leave a comment

7 Email Marketing Tips for Local Businesses

For small businesses, it can be a struggle to compete with large competitors, especially if you have a limited budget.

However, who says you have to spend a fortune to get results?

In the ever-evolving landscape of online business, there is one aspect of marketing that continues to reap rewards for all businesses, big or small. That’s right: we’re talking about email marketing.

While social media and video hog the spotlight, the reality is that email marketing can generate a higher return on investment (ROI) than any other channel.

That’s great news for businesses who are looking to grow their brand locally.

In this article, we’ll explore the key email marketing tips for local businesses, giving you all the insights and proof you need to understand just how powerful email can be, and more importantly, how you can use it to drive success.

How local businesses can boost the ROI of email marketing

Big brands with deep pockets have the luxury of being able to spend and experiment with a plethora of marketing strategies. You may not have the same financial freedom.

To increase the chances of long-term success for your business, focus on growing your reputation locally.

Here are some essential email marketing tips for local businesses that will get your metrics moving in the right direction.

  1. Make it easy to subscribe

It shouldn’t be hard for people to sign-up to your newsletter. If it is, you’ll simply deter people and will lose out on potential sales as a result.

Here are a few ways to improve the sign-up process:

  • Include calls-to-action (CTAs) on your social media pages and also on blog posts.
  • Reduce the fields on sign-up boxes to a minimum. By just requesting the email and first name upfront, you make it easy for people to register in seconds. You can always request more data later on.
  • Make your emails shareable by adding social share buttons in the email copy. Doing this will allow your existing subscribers to share your email content with their own audiences, which will increase brand awareness and potentially earn you more subscribers.

From your sign-up forms to your CTAs, everything should be clear and easy, paving the way for a simple sign-up with the minimum number of digital touchpoints.

  1. Let people know what to expect

Nobody wants to receive spam or have their inbox polluted by irrelevant emails. Ideally, you’ll only ever be sending valuable content. Occasionally, however, you may intend to send out some promotional offers or company news.

It’s crucial that you make people aware of this before they subscribe. This is not optional now—it’s required by law since the GDPR was enacted earlier in 2018.

Even if the legal requirements weren’t a factor, you should be forthcoming and transparent with prospects, as then they will know exactly what they are signing up for. This will reduce the chance of people unsubscribing soon after.

This newsletter sign-up form from Everlane lets users know exactly what they can expect when signing up to their newsletter list.

  1. Offer promotions

Who doesn’t love a good deal?

Although hard sales emails rarely go down well, companies can generate more site traffic and sales with a timely promotion.

Studies indicate that most people do want to hear about discounts or special promotions from local businesses, and 64% of customers state that email is their preferred channel to receive such offers.

Let’s say you own a restaurant that is going through a bit of a quiet patch. While business is slow, you do have a lengthy list of emails from previous customers who used your online booking service in the past.

You can put that list to use by emailing your customers special offers, such as:

  • Lunch discounts
  • Coupons for couples meals
  • Complimentary bottle of wine with any meal

Special offers like this can soon kickstart sales growth, and it is one of the most cost-effective email marketing tips for local businesses to use.

Deliveroo, a premium restaurant delivery service, offers existing customers a deal if they choose to order an entire meal for delivery.

It’s much cheaper and faster to send out an email promotion instead of printing fliers and handing them out on the street.

  1. Audience segmentation

Going niche is essential in today’s competitive world. But even if you are catering to a specialist market, your marketing must consider several buyer personas.

You can drill even deeper into your own audience to target smaller subgroups of your customer base with content and offers that are specifically tailored to their interests.

Research shows that segmented campaigns can deliver a 760% revenue boost.

Here are a couple of common ways of implementing segmentation to get more out of email marketing:


By asking for zip codes during the sign-up process, your business can target local customers. You can group customers in the local area together, and send them targeted content that is more engaging and relevant to them. For example, you can make them aware of sales at the nearest store.


Just as men and women have different shopping habits, so do millennials and middle-aged professionals. By considering these various demographics, you can cater to the specific interests of each group.

Sending generic, broad emails to everyone may be easier, but by taking the time to craft emails for each group, your engagement levels, clicks, and conversions will go through the roof.


Email provides companies with a chance to communicate with customers in a conversational, casual manner. This helps nurture trust, as people can see the human side of your business and appreciate that you are not just another faceless brand with eyes on their wallets.

All this to say that one of the best email marketing tips for local businesses is to get personal.  There are several effective ways to use personalization in email marketing, such as:

  • Subject line: Add the customer’s first name, or use language that resonates with them to drive open rates.
  • Copy: Adopt a conversational tone and focus on the recipient. Instead of talking about the features of your products, highlight the benefits for the users.
  • Visuals: Include infographics or video content to boost engagement.
  • CTA: Add powerful hooks that play on the customer’s specific needs.
  • Offers: Make personalized recommendations based on data you have gathered about your customers.

Flight Centre use personalization to great effect in their emails, sending relevant offers to customers based on the data they collect about their customers’ browsing behaviors.

For example, if you were researching the best places for a skiing trip, your next email may offer you deals on cheap flights to areas with ski resorts.

  1. A/B testing

In the early days of any business, a major challenge is finding the methods that actually work. There is inevitably a lot of trial and error, and you may incur some losses due to the guesswork.

If you only try one of our email marketing tips for local businesses, then make it A/B testing.

Instead of putting all your eggs in one basket and charging ahead with methods that aren’t gaining traction, take the time to test out different techniques with your emails.

A/B testing helps you gather more information on your subscribers, and from that, you can make smarter marketing decisions. The benefits are well worth the effort:

  • It improves user engagement. Making minor tweaks to the layout, images, or colors can make a big impact on user behavior. By trialing different versions of your emails, you can find the one that users like best. Enhancing the user experience (UX) should always be a top priority, and with A/B testing, you can deliver emails that people love.
  • It improves your content35% of people open emails based solely upon the subject line. By using A/B testing, local businesses can send several versions of their copy, with variations to the  subject lines, body text, and CTAs. Soon enough, you’ll learn what works best for your audience.
  • It boosts conversion rates. A/B testing in email marketing allows you to fine-tune your emails for the best ROI. Discovering what works and what fails will help you drive more clicks, more leads, and ultimately, more conversions.

Analyze and optimize

An integral part of A/B testing is data analysis. However, even if you aren’t implementing A/B testing, you should still invest some resources in analytics.

Using an email service provider makes it easier for you to keep track of the emails you send, and provides you with key insights into important email metrics, including:

  • Open rates
  • Click-through rates (CTR)
  • Unsubscribe rates
  • Conversion rates

By assessing these numbers, you can evaluate performance on your email campaigns and make the changes needed to improve results.

Wrap up

Email marketing allows you to communicate with your target audience at the lowest cost. Email marketing is one of the most affordable ways to communicate with potential and actual customers, obtain valuable information about their preferences and is an effective way to increase sales. Nevertheless, it requires a clear strategy for converting subscribers into sales. All letters in your company should be based on each other, and show that you know everything about the client, based on his past activities. Work with each segment of your subscribers so that each recipient receives the most relevant offer based on their preferences. Letters that include images can help stand out in a crowded inbox, especially if you select it correctly, and it can elicit an emotional response to your offer or service from the recipient.  Emma by Campaign Monitor will help you get the attention of the most sophisticated clients.

October 13, 2018 at 3:56 PM Leave a comment

The Wisdom of Listening

Book Description:

The next time you’re out in public, take a moment to look around you. Each and every person you see holds wisdom in their pockets–pieces of gold they’ve accumulated as they walked their own unique life journey.

Within these pages, Marilyn shares some of the many pieces of gold she has received over her decade-long career. They have been offered to her during interviews, through random encounters and while facing difficult challenges. The most important? We are each unique and exactly who we are meant to be.

Are you ready to dig for gold? All you need to do is be brave, be present in the moment and be open to the possibilities–then start a conversation.

My Thoughts:

Have you ever sat on a bench waiting for a bus and started up a conversation with a random stranger? Have you ever learned so much about that person or been told such an amazing story that you completely forgot you were waiting for a bus at all? These days cell phones prevent us from starting up conversations with random strangers, but in my twenties and thirties I had countless conversations with grandmothers, mothers, job seekers, college students and tourists all sharing a bench with me while waiting to go from point A to point B. To this day I’ll strike up a conversation with anyone who is looking out into the world rather than staring down at his or her screen.

Sitting on a bench I sometimes felt like I was just meant to meet that person on that particular day. Perhaps it was the story they told or the smile they provided that made me feel so connected to the world in a way I just couldn’t describe. Sometimes our conversations filled a void, sometimes they made me view life differently, and sometimes they just made me feel so happy to be alive. If you’ve ever had one of those moments than this book might be for you. The author retells stories and lessons learned from various interviews throughout her lifetime.

This is not the type of book you need to set aside a huge amount of time to read. You won’t find yourself immersed in chapter after chapter trying to find a way to sneak in one more minute of reading before it’s time to prepare dinner, give your kids a bath or get a wink of sleep before waking up to start your day all over again. This book can be read in just about any way you choose. The chapters can all be read independently of one another, because each chapter is a like a mini-life lesson. So you don’t need to dedicate large chunks of time to reading. You can simply read a chapter or two and then pick up the book at a later point in time to learn another life lesson.

If you’ve ever met anyone that influenced your life and the way you thought about this world this book will feel very familiar.

Praise for The Wisdom of Listening:

“Every life has a story and, no matter our background, we share similar hopes, dreams and fears. This book not only gives you insight into the varied lives of its subjects but, through Marilyn’s reflections, shows how we each walk a similar spiritual path.”
Robbin Whachell, Founder and Editor-in-Chief of The Bahamas Weekly

“Marilyn shows us, through her compassionate and incisive interviews, how to grasp and link those golden moments, like sparkling prisms of light, into an animated and profound acceptance of ourselves, the people we encounter, the relationships we build, and the dreams that will set us free.”
Gabriella Contestabile, Author, Founder of Su Misura Sensory Journeys

“I was reminded we are collectively each walking our own paths, but often experience similar emotions, feelings, obstacles, challenges, triumphs, rewards and successes. We all learn as we go and we all become wiser as time passes. This is humanity. The diversity in each of us as a whole is awesome.”
RozeMerie Cuevas, Co-Founder and Designer at JAC by Jacqueline Conoir

Meet the Author:

Marilyn R. Wilson is a freelance writer, published author and speaker with a passion for interviewing. Her career as a writer began in an unusual way: by answering a Craigslist ad from a NYC magazine. The world shifted when she conducted her first interview—she had found her passion.

Since 2006, she has interviewed over a hundred and fifty people from around the globe, co-owned a local magazine, wrote freelance for others, worked as an editor, published two books and provided author support for her publisher. Her goal as an author — to give wings to the stories of others and to pay forward some of the many “pieces of gold” received during interviews – bits of wisdom that have changed her life.

Connect with Marilyn: Website ~ Twitter ~ Facebook ~ Instagram

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October 12, 2018 at 8:00 AM 1 comment

How to Deal With Family Related Lawsuits?

When it is a family that is involved in the court and has to undergo a case with or against their own members, it can be a rather traumatic process. After all, the closest ones get pulled in an ugly battle related to them and all the family skeletons can come tumbling out for the public to see. However, what is done has been done and the only path left is to learn to deal with it properly.

Situations that fall under family related lawsuits and how to effectively deal with them:-

1. Child Custody

Divorce can be a messy matter and the worst person to suffer is usually the child. Often unaware of the actual complexities, children face the worst of situations while going through a tough separation. Often times, when the father isn’t found responsible enough, the court will grant full custody to the mother. No matter what the actual result may be, children should never be a pawn and they should be comforted that they will always receive the unconditional love of their parents no matter what happens. According to Colwell Law group in Ballston Spa, NY, children in this state should be given access to a therapist if necessary.

2. Paternity

Paternity cases usually end up becoming high profile and lead to a lot of mud-slinging on both sides. The important issue is to be remaining confident of the truth and to remain calm, no matter what happens. Being denied of a parent can lead to a child developing issues later and sufficient compensation should be given. In cases of paternity, it is necessary to civil and not let any ill-natured gossip bother or affect the people involved.

3. Divorce

One of the hardest cases to deal with is the cases of divorce. No matter who is at fault and who can be blamed, a divorce should be kept civil and not allowed to get ugly. If there are children and property to be decided the share has to deal with calmly and divided properly so as to not because any remaining resentment left between the parties.

4. Family Offense Proceedings

This can be a very sensitive issue with criminal charges being included as well to the list of the proceedings. What the family supporting the person needs to understand that they will have to get their life back on track and cut out the guilty and toxic person away from them.

5. Child Abuse or Neglect Proceedings

This can be a very difficult case to deal with. The children have to be placed under the supervision of an adult they can trust and allowed the visits of a therapist to help them recover from the trauma they faced. According to Colwell Law group in Ballston Spa, NY, the child’s safety is paramount in this case.

In tough times like this, it is very natural to break down and lose all hope. But for the sake of the family, this case must be dealt with as well.

October 11, 2018 at 2:56 PM Leave a comment

Easy Ways to Make Extra Money Quickly

Are you looking for easy ways to make a little bit of extra money on the side? As the cost of living continues to rise, many people are now taking up extra jobs to bring in some more cash and this can be a lot easier than you may think. If you want to get some ideas for easy ways to make extra money quickly then make sure to check out our top tips below.

Take Online Surveys

Want to make some extra money from the comfort of your own home? Then why not hop online and take some online surveys! Research companies are always looking for people to answer surveys and test new products and just a few minutes of form filling out can earn you a few pounds. Different surveys will pay out different amounts but this can quickly add up to provide you with a nice little side earner.

Review Websites and Apps

Another great way that you can earn some extra money quickly and from home is to review websites and Apps for cash! There are platforms out there that will pay you to review lots of different kinds of websites and one review will only take you about 20 minutes to complete. You will then be awarded cash that will go straight into your PayPal account.

Become a Delivery Rider or Driver

If you already own a bicycle, motorbike or car, then there are plenty of opportunities for you to make extra cash as a delivery driver. There are lots of companies now who will hire people to deliver food and you will have flexibility to work whenever you want. Your job will be to deliver food from a restaurant straight to the customers door and you can potentially make quite a bit of extra cash doing this. You can also contact your local takeaways to see if they have any delivery jobs available.

Sign Up to a Flexible Working Agency

Another great way to earn some extra cash is to sign up to an agency that allows you to work exactly when you want and at a time that is convenient to you. The Staff Heroes website is the perfect place to sign up to if you are looking for part time flexible working. They can match you up with great flexible and temporary jobs across London that are based on your skills, personality and values. This allows you to be as busy as you want to be and you can fit these jobs around your current lifestyle to make some extra cash.

Become a Mystery Shopper

Mystery shopping is super easy to do and you can make a nice income doing it. There are lots of different agencies online that will pay you to visit a range of shops and restaurants and all you need to do is provide them with some feedback as to how they are performing.

Become an Extra

Do you think of yourself as a budding young actor? Then why not become an extra on tv or film? Being an extra is usually pretty well paid and the best part about it is that you really don’t have to do much at all, it is super easy money! Just make sure that when you are signing up to an agency that you know how big their cut will be of your earnings.

Rent Out A Car Parking Space

If you have a driveway or a garage in a busy area, that you are not using, why not rent it out to someone who is willing to pay for its use? There are many people who will gladly pay for a parking space that is close to the city centre as daily parking can be extortionate!

Become a Babysitter

Baby sitting is a classic money maker as a lot of the time you are simply being paid to watch the television! You don’t have to be trained in child care to do this and you can advertise your services online. There are, of course, some considerations to take with this type of job, but it is still a fantastic way to earn yourself some extra cash.

Sell Items on eBay

Selling unwanted items on eBay is an oldie but a goodie. If you are trying to get rid of junk that you no longer want, eBay is the perfect place to sell these items and make yourself some cash at the same time.

Dog Walking

Finally, a great way to make yourself some extra cash and quickly is to become a dog walker. If you prefer dogs to babies, then this may just be the perfect job for you. This is a great opportunity for those who have free time during the day and it is also a fantastic way to help you keep fit!

October 11, 2018 at 11:59 AM Leave a comment

5 Creative Halloween Party Ideas

Halloween is a former pagan ritual date now turned holiday, traditionally celebrated in most parts of the world on the 31st of October of every year. The holiday is unique in that it thrives on spookiness and the otherworldly, with people; adults and children alike, dressing up in their most morbid outfits trying to ‘out-Goth’ the next person.

With the popularity of the holiday, everyone wants to throw a party. A spooky Halloween bash is just what is needed to lighten up the dark mood of the holiday a bit.

From Halloween costumes to spooky decorations, here are 5 Halloween party ideas to blow your guests’ mind away (literally)

Halloween Costumes

What is a Halloween party without some spooky, bloody costumes? First, decide if you want your party to have a theme and if you do, be sure to state in your invitation cards that the party is a themed one; and maybe even add a little excitement by assuring your guests that the best Halloween costume will receive a prize.

Make sure you, the host, stand out from the crowd by putting on a truly mind-blowing costume. If you make it a family affair, create a theme with your outfits. A good idea for a family costume would be the wizard of Oz.

DIY Invitation Cards

Create a unique invitation card befitting the Halloween mood by making it a fun DIY event. Make an unexpected invite by purchasing plain paper and then adding unique embellishments to suit your taste. If you are going for extra bloody and gloomy, use some red paint and skull stickers to create that gothic effect. For extra spookiness, include tiny ghosts, bats or pumpkins inside.


Follow the age-old practice of carving pumpkins. The greatest jack-o-lanterns your guests have ever seen should be what your guests will come face to face with them as they step into your party.

If you are following a theme for your party, integrate it into your décor.

For a bit of fun, have guests carve and design their own pumpkins at the party and in the end, have a vote and decide whose is the scariest, the weirdest or the funniest. If you are from Los Angeles, you can go for Los Angeles party rental to have all the décor items you might need for your Halloween party. If you are from Palm Springs, you can check out event rentals Palm Springs. Remember, selecting the right event rental can make your break your party.


Think way out of the box when it comes to snacks for your Halloween parties. Standard cakes and finger food (unless they are actual fingers) will absolutely not suffice.

Get creative with your everyday treats. Design your cakes into miniature pumpkins; add a bit of bang to Oreos biscuits by giving those M&M googly eyes and licorice spider legs.

And for those finger foods, how about crafting your bite-sized cakes to look like actual severed fingers, or a large cake to look like a severed, bloody head?

Potions and Gift Bags

You don’t have to think too far with drinks for your Halloween party. Stick to regular drinks like apple juice, grape juice and punch. Get creative and add that Halloween gruesomeness by sticking labels on the bottles or bowls; label your punch bowl as ‘bat blood’, your apple juice as ‘witch brew’ and maybe your lemonade as ‘vampire venom’.

For your gift bags, include party favours your guests will look back on and remember they came from your party. Personalize the gift bags with a Halloween picture of you perhaps, and include Halloween tricks and don’t forget the treats, too.

Halloween is a fun event for everyone, young and old. Add to the excitement of the holiday by throwing an unforgettable bash worthy of the spooky day.

October 11, 2018 at 11:56 AM Leave a comment

Spooky Fun with the October Shop Swago Board!

Swagbucks is hosting another round of Shop Swago! What is SWAGO you ask? It’s a bingo-inspired promotion run by Swagbucks, a website that rewards you with points (called SB) for completing everyday online activities. You can redeem those SB for free gift cards. If you’ve never used Swagbucks, participating in SWAGO is a great introduction to the site and an easy way to earn a good amount of points quickly.   
Click here to get started

Here’s what you need to know to get your 150 SB Bonus (and don’t worry, you don’t have to make a purchase to complete a pattern):

  • Go to the Swag page and make sure you hit “Join” otherwise you won’t get credit for completing the action items. Each square on your Swago Board will contain an action item to complete.
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have a limited amount of time to mark off as many squares as possible so use your time wisely.
  • Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value – up to 150 SB.
  • Once you’ve achieved a pattern the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
  • The game ends Friday, October 12th at 12pm PDT/3pm EDT. So make sure to hit “Submit” on the pattern you wish to submit. If you don’t hit “Submit” before the game ends you won’t receive your SB bonus.

October 9, 2018 at 1:18 PM Leave a comment

Get 300 bonus SB when you sign up for Swagbucks in October

All throughout October you can earn large bonuses when sign up as my referral on Swagbucks. Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching the web, watching videos, shopping, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Target, or PayPal cash. When you sign up through me this month, you can earn a 300 SB bonus! Here’s how:

1. Sign up using this link 

2. Earn 300 SB total before November 1st, 2018. You’ll get a 300 SB bonus for it!

3. That’s it. It’s super easy, and Swagbucks is for real. I use it myself. I cash out my earnings via PayPal so I can use it whoever I want!

October 9, 2018 at 1:15 PM Leave a comment

Should You Invest in Cryptocurrency or Stick to Gold?

In the last few years, cryptocurrencies have been on the ascendant, attracting all sorts of investors from around the world and plenty of discussions and interest on the matter. Bitcoin is the best-known cryptocurrency around the world, and its rapid rise in value comes as a direct result of more and more folks wishing to invest in it as major world currencies are going through a phase of value fluctuation due to political and economic factors. Brexit was only two years back and this adversely affected the value of both the pound and the Euro, while other major economies are going through turbulent times of their own. The dollar might be relatively strong right now, but the situation could change at any time. India also is a major economy, and in the last few months, the rupee has fallen to record lows that are simply unprecedented in the history of that country’s independence. It’s in this context that cryptocurrencies have really taken off, even if gold was traditionally what investors would go for in such circumstances. You may have also heard a lot about the Forex market, where investors can buy, sell, exchange, and speculate on currencies. Forex is a good investment, but it largely depends on how you trade.

Bitcoin has been a hot topic since the beginning of 2017, and is indeed that trend has not really slowed down as of yet. As the oldest and largest cryptocurrency, Bitcoin is also the best-known investment option. Yet as history has shown, Bitcoin has also been known to lose value and thus illustrates the point that cryptocurrency investors should not put all of their eggs in one basket. Other cryptocurrencies include Dogecoin, Litecoin, Manna, and Ethereum as well as a number of others that might be worth looking into – the important thing is to look at how a given currency is trading and to otherwise do your homework before investing much in it. After all, there are investors literally throwing millions of dollars into cryptocurrencies of questionable values – which could well pay off, but also is a huge risk that you shouldn’t put your life savings into.

Any given cryptocurrency is essentially just a chain of digital signatures stored in a public ledger, and that ledger is known as a blockchain. Blockchain technology is revolutionary at any rate, but having any money denominated in cryptocurrency means that you’ll also have a private key which is basically just an elaborate password that allows you to send that money to somewhere else. This system is kept secure from hacking attempts by having validators, which use one of several consensus mechanisms – typically proof-of-work or proof-of-stake. Depending on which cryptocurrency you’re talking about, it can either be created through mining (like Bitcoin) or simply through allocation (like Manna).

While cryptocurrencies might be a great investment option, it’s not as if gold has lost its sheen as the go-to choice in the face of economic uncertainty. The value of the Indian rupee has reached record lows in the last few months, and since Indians have traditionally invested their wealth in gold this will only create more demand in the world’s largest democracy. Since more demand means higher prices, it can only be expected that this precious metal will become all the more precious globally in such a scenario. Furthermore, the cryptocurrency boom is still in a bubble phase, and that bubble could burst at any time. Gold, on the other hand, has always been valuable and while it might fluctuate to an extent, is still a much more stable investment.

Ultimately, it seems that there’s still a lot of money to be made off of cryptocurrencies, even as China has banned exchanges and in spite of the potential bust that could happen at any time. If you stay on top of the current trends with cryptocurrencies, there’s a good chance that you can make a bit of money even if they’re uncertain for long-term investments. Since prices have risen rapidly, there is a definite risk of collapse at any time, so you should definitely do your homework before deciding to invest any significant amount in them. However, the technology in use is groundbreaking, and you can definitely see some huge short-term gains whilst the bubble lasts. Even in the long-term, some cryptocurrencies might very well succeed and so you should definitely consider investing in them. But if you’re looking for a more stable investment option in light of fluctuating exchange rates and uncertain economies, gold is a far safer bet. It all depends on the sort of investment that you want to make and how much risk you’re willing to take. After all, this so-called bubble could very well not actually be a bubble at all.

October 4, 2018 at 7:03 AM Leave a comment

Understanding the Nature of Receivable Financing

When you are a small business owner, you constantly look for ways to expand your business and curb the cash flow shortages. This is when receivable financing comes into the picture. Small business owners consider this type of financing more than the traditional and mainstream business financing because it is within easy reach.

To understand it more, here are some things that you need to know about receivable financing:

How does it work?
Basically, receivable financing is a way for small business owners to advance cash based on the amounts due from their clients. The businesses will pay a percentage of the invoice value to Qupital as a fee for advancing cash.

What are the types of receivables financing?
You have to know that there are two types of receivables financing available for small businesses. Types include:
• Factoring: this refers to a business selling its receivables to a third party in exchange

for funds; the risk will be transferred to the company.
• Invoice discounting: this refers to a loan taken out from invoice assets; this will allow

the business to borrow funds against other owed funds.

What is the process behind factoring?
If you consider factoring, rather than waiting for payment from clients, you choose to sell to invoice to a factoring company. The company will then buy the invoice and remits a percentage of its total to you. They will keep the balance on reserve. The balance will be returned to you after the factoring company collects the payment in full.

How does factoring help you?
Many small businesses are afraid of considering factoring services because of the stigma attached to it. There are actually many benefits of engaging your business in a factoring service. Here’s how it can help your business:
• It eliminates bad debt: remember that the risk will be transferred to the company.

This means that the factoring company will assume the risk of bad debt thereby eliminating if not decreasing this expense from your income statement.
• Unlimited capital potential: factoring is the only source of financing that can grow together with your sales. If you have increased sales, there will be more cash available for you to use. At the end of the day, it will allow you to meet business demand.
• No debt acquired: keep in mind that factoring is not a loan. With this, you are not acquiring debt. This will keep your balance sheet in good shape. As a result, it will be easy to obtain other financing services or even to sell the company.
• It is easy and fast: not all people know that factoring is easy and fast. The application is simpler than expected. On top of that, there will be no need for tax returns and financial statements.

In this tough time, you should do your best to find the right alternative financing if you want your business not only to survive but also to thrive.

October 3, 2018 at 12:52 PM 2 comments

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