Wise Man Daily - August 2017

4 TIPS FOR BUILDING BENEFICIAL FINANCIAL HABITS 

Issue 1 I August 2017 

14 AWESOME 

ROAD TRIPS 

ACROSS THE 

PLANET 

13 INTERESTING 

EXERCISES FOR 

GETTING 

RIPPED ABS 

10 SAVVY WAYS YOU CAN 

RAISE 

YOUR CREDIT 

SCORE 

14 TERRIFIC TIPS FOR SUCCESSFUL 

SOCIAL MEDIA 

MARKETING 

17 MUST-KNOW 

TIPS FOR 

A COLLEGE 

FRESHMAN 

August 2017 1 

17 WAYS TO GET MORE OUT OF YOUR COFFEE

2 

August 2017

August 2017 3

CONTENTS ISSUE 

1 / AUGUST 2017 

06 

EDITOR’S NOTE 

07 

15 

22 

30 

39 

47 

54 

16 WAYS TO GET MORE OUT 

OF YOUR COFFEE 

7 FINANCE QUESTIONS TO 

ANSWER REGARDING A 

MORTGAGE 

10 GREAT ALL-INCLUSIVE 

RESORTS FOR THE WHOLE 

FAMILY 

14 AWESOME ROAD TRIPS 

ACROSS THE PLANET 

11 SMART WAYS TO SHOP 

WITH COUPONS 


RAISE YOUR CREDIT SCORE 

6 IMPORTANT THINGS 

TO TEACH YOUR KIDS 

REGARDING MONEY

ISSUE 1 / AUGUST 2017 

13 INTERESTING EXERCISES 

FOR GETTING RIPPED ABS 

60 

6 WAYS A GLASS SAVINGS JAR 

CAN MAKE A DIFFERENCE 

10 TRICKS FOR SHOPPING AT 

THE DOLLAR STORE 

17 TIPS TO KNOW BEFORE 

HIRING LEGAL HELP 

14 TERRIFIC TIPS FOR 

SUCCESSFUL SOCIAL MEDIA 

MARKETING 

8 FINANCIAL HABITS YOU 

COULD BE PASSING TO YOUR 

KIDS 

4 TIPS FOR BUILDING 

BENEFICIAL FINANCIAL 

HABITS 

17 MUST-KNOW TIPS FOR A 

COLLEGE FRESHMAN 

68 

74 

81 

89 

97 

103 

109

Issue 1 

AUGUST 2017 

Editor 

David Baker 

Writer 

Chuck Meriwether 

Head of Creatives 

Nyvia Ross 

Graphic Designer 

Michael Juanson 

Quality Assurance Editor 

Nicole S. Ross 

Junior Editor 

Keeneth Ross 

Digital Property 

Managers 

Maharlika Matutinao 

Layla Anaya 

Digital Property 

Assistants 

Krystine Sitjar 

Warren Nietes 

Online Presence: 

www.wisemandaily.com/ 

Facebook 

Google+ 

Twitter 

Tumblr 

Pinterest 

For advertising concerns 

please contact KJ Ross at 

kjross@authoritativecontentllc.com 

Wise Man Daily content cannot be 

copied or reproduced in any form 

without the written permission of the 

publishers. Wise Man Daily’s editors 

and publishers shall not be held liable 

for any unsolicited materials. All prices 

and specifications published in this 

magazine are subject to change by 

manufacturers, agency and retailers. 

LETTER FROM 

THE EDITOR 

Welcome to the first issue of Wise 

Man Daily! I’m David Baker, editor 

of our team’s magazine, and it’s a 

pleasure to introduce you to what could 

prove to be your number one resource for 

men’s lifestyle. Without further adieu, let’s get 

started. 

Wise Man Daily is made with the goal of sharing 

daily wisdom that will help men like you and I seize the 

moments racing by us, right now. From people to places 

and conversations, I believe the life of a man is about being 

prepared to embrace the unexpected and seize the moment. It’s 

been a process, but today I can say I know how to grasp what I 

desire. And soon, you’ll be able to also! 

Wise Man Daily will be your go-to, for anything related to men’s lifestyle. 

You’ll get advice on traveling, women, sports, tech, cars, and a ton more. Just a 

daily read will put you in my shoes, and give you the confidence to call yourself 

a wise man. Thanks for reading, and be sure to stick around for our next release! 

Regards, 

David Baker 

DAVID BAKER 

Editor 

Wise Man Daily 

6 


16 WAYS TO 

GET MORE OUT OF 

YOUR COFFEE 

by David 

Baker 

Follow Us: 

These 16 tips will show you how you can really spice up your experience with 

coffee and give that next mug an infusion of welcome novelty. 

Do coffee terms 

like ‘blends’ 

and ‘roasts’ 

leave you with 

a puzzled look 

on your face? Do you know 

the difference between 

using non-dairy or dairy 

based creamers? Maybe 

you’re just getting started 

on the coffee lifestyle. 

Everyone was a noobie at 

at something at some point 

or another, and then they 

learned more about it. If 

that thing for you is coffee, 

this article will help you out. 

For millions of people, 

coffee lies at the center 

of a daily routine. Starting 

your day off with a 

great tasting cup of joe 

sets you up to have a 

productive day, regardless 

of your activities. A bad 

pot can ruin all of that! 


There are lot of directions to go when it comes to hiring a lawyer. These 17 tips will explain the do’s and don’ts 

of the whole process. 

 

CLICK HERE TO LEARN MORE 

Here are some pretty simple ways to 

enhance your coffee experience forever. 

Whether you’re willing to invest in a new 

maker or just slightly change your brewing 

method, I promise these tips will make a 

difference. Personally, number 9 made it 

all for me. 

1 

INVEST IN A KEURIG 

If you often find yourself needing 

only one cup of coffee at a time, consider 

investing in a Keurig coffee maker. You will 

be able to brew one cup of coffee at a time. 

You will also have plenty of different flavors 

to pick from. There are several coffee 

makers with many different features. 

2 

TRY A FRENCH PRESS 

In order to create coffee with a 

delicious, rich flavor, try a French press. 

In a drip-style machine, the filters take in 

most of the oils. A French press works by 

using a plunger to push the ground beans 

down to the base of the pot. This leaves 

the bean’s oils within the coffee, giving it a 

rich flavor. 

8 


3 

HOMEMADE LATTES 

WITH DECORATIONS 

Do you plan to offer coffee the next time 

you have company? Think about making 

homemade lattes that you decorate on 

your own. With just a bit of practice, you 

will be able to impress your guests by 

creating basic flowers or leaves. Use milk 

and melted chocolate to practice when 

you make your own. 

4 

CLEANING YOUR MACHINE 

Is your dripping machine providing 

you with satisfactory coffee? Try running 

a cycle through with just water. Let it go 

through the full cycle, but skip adding 

the coffee. When it’s heated the full cup 

of water, you may begin again with the 

grounds. You can also use this technique 

to clean your coffee maker. 

5 

STORE BOUGHT COFFEE BEANS 

After you open store bought coffee 

beans, do not continue to keep them in 

their retail package. You must place them 

into an airtight container to protect them 

from air and light. This simple step helps 

to preserve the beans’ freshness. 

6 

TEST OUT YOUR COFFEE MAKER 

Test out your coffee maker before 

actually brewing any coffee. You want to 

put water through it before you put any 

coffee through it. That eliminates dust or 

odors that can accumulate in machines 

prior to purchase. 


7 

OLD COFFEE MAKERS 

For the best results from an older 

coffee maker, first brew some hot water 

before you make any coffee. When you 

have brewed the water and it is hot, put 

the coffee grounds from the beans in. 

This helps provide the best flavor and 

very hot coffee. 

8 

GOOD COFFEE BEANS 

Good coffee beans are the most 

crucial ingredient in a good cup of coffee. 

Search around at your local area stores. 

You can usually locate fresh roasted beans. 

If you don’t live close to a good source, try 

looking online to find what you need. You 

might pay a little more but it will not be as 

much as a coffee shop. 

9 

FRESH ROASTED BEANS 

Using freshly roasted beans really 

produces the best coffee. When purchasing 

whole beans, always take a look at the 

expiration date to see when the beans 

were roasted. The best place to buy beans 

is a specialty store, rather than a common 

grocery store. 

CONICAL OR FLAT GRINDING BURRS 

Consider purchasing a coffee grinder 

that has conical or flat grinding burrs. If you 

do, you will find that there is not as much 

heat created. This keeps your coffee tasting 

good. If the grinder has blades, you don’t 

know what you are going to get each time 

you brew some coffee. They create too much 

heat and can lead to burnt beans. 

ADD SOME CHOCOLATE SYRUP 

Add some chocolate syrup to your 

coffee for a quick and inexpensive boost. 

It can be a flavorful way to give additional 

energy to your cup. Coffee with dark 

chocolate flavor provides a nice dose of pep. 

USE FILTERED WATER 

If your morning coffee does not 

taste quite right, keep in mind that water 

that does not taste good will produce 

coffee that does not taste good. If the 

water from your tap has a consistently bad 

taste, attach a filter to the tap. You can 

also use a simple pitcher that contains an 

internal filter or you can use bottled water 

to brew coffee. 

10 


HOMEMADE ICED COFFEE 

When making iced coffee at 

home, do not use the traditional method 

of simply making the coffee and pouring 

it over ice cubes. This tends to water the 

coffee. An alternative method that works 

much better is to brew some coffee, then 

pour the coffee into the slots of a common 

ice cube tray. This will allow the iced coffee 

cubes to keep your coffee from becoming 

too watered down. 

AVOID ARTIFICIAL SWEETENERS 

Use artificial sweeteners? Often 

artificial sweeteners will make the coffee 

have a bland taste. If taking your coffee black 

isn’t an option, try using a little raw sugar. 

If you still prefer an artificial sweetener, at 

least try settling for just half a packet. 

TRY SPECIALTY BLENDS 

If you cannot find a variety of 

coffee that offers the flavor you desire, 

try a blend that combines several 

flavors. Specialty coffee shops can help 

you to choose the best blends for your 

preferences and may also be able to offer 

you a sample before you buy in bulk. 

CHARCOAL FILTERED WATER 

When you brew coffee, use water that has been charcoal filtered. 

You can purchase a charcoal water filter for your sink so that all your tap 

water is filtered by charcoal. You can also buy coffee makers with builtin 

filters. Another option is buying charcoal filtered bottle water at the store. 

If you didn’t know anything about coffee before reading this article, you do now. Coffee 

may appear complicated, but once you learn the basics, it’s pretty easy. Keep the tips 

from above in mind to make the best coffee. 


12 



14 


7 FINANCE QUESTIONS TO 

ANSWER REGARDING A MORTGAGE 

by 


Follow Us: 

So you’re thinking of taking on a mortgage. Before you sign off on that dotted 

line, take a good look and ask yourself these 7 questions. 

You’ve probably already 

asked yourself the question, 

but here it is again: are 

you ready for a mortgage? 

This is a big step and it will 

require serious planning. A mortgage 

affects your finances for many years in 

the future. Before signing the dotted 

line, take a look at these questions. 

For many people, financial goals seem more 

like dreams than anything. Accomplishing 

your goals, in any setting, has more to 

do with approach and mindset. The time 

for planning is right now, in this moment. 

Don’t make the mistake of signing a paper 

and chaining yourself to a weight you 

aren’t ready to carry. When it comes to a 

mortgage, you want to shoulder that load 

with comfort and even some swagger. It 

pays to be prepared. 

1 

WHAT IS YOUR CREDIT SCORE? 

Credit score does, in fact, have an 

effect on mortage rates. Check yours 

before buying a house. Should you 

consider raising it in order to get a more 

desirable interest rate? High scores, 

generally, during the three previous years 

with no late payments will get good rates. 


2 

CAN YOU HANDLE MAINTENANCE COSTS? 

It’s crucial to think about the cost of maintenance before purchasing a house. 

The mortage is only one facet of the total cost, and maintenance is another. Will you 

be able to afford a new roof or air conditioning system when they need replacing? Also 

think about whether or not your monthly budget has enough savings for maintenance. 

Consider DIY projects and hiring others for these tasks. It involves expensive, ongoing 

projects: costs that you need to be ready to pay. 

You may not think it at first, but a simple glass savings jar can be the main difference maker in your 

future financial habits. 

 

3 

IS YOUR JOB SECURE? 

Prior to signing a loan, be honest 

about your job security. If there are 

changes, how will you handle them? 

Evaluating your job future is a big part 

of this planning process. You’re going to 

want to think about emergency funds and 

savings. With job situation changes, can 

you still make monthly mortgage payments 

if you go through with the purchase? 

4 

CLICK HERE TO READ MORE. 

DO YOU HAVE ALL 

THE PAPERWORK? 

Don’t underestimate the amount of 

paperwork for a mortgage. Lenders can 

ask for old tax statements, savings account 

statements, check stubs, and more. If your 

credit score is high, you could get a no 

documentation loan. It’s a rarity, so you 

should have your files prepared anyway 

and collect the papers you need. 

16 


5 

HAVE YOU CALCULATED THE 

HIDDEN EXPENSES? 

Owning a home comes with many expenses 

that extend beyond property taxes, insurance, 

appraisal fees, and mortgage closing costs. 

One hidden expense is more bills. If you’ve 

only rented, you’re going to have new monthly 

bills added. Trash collection, recycling, water, 

and sewage are a few. Home insurance costs 

more than renter’s, and older homes cost 

even more. What’s more, you’ll probably come 

across homeowner’s association fees. You 

may have heard of condominium association 

fees but are you ready for this? 

6 

DO YOU HAVE AN 

EMERGENCY FUND? 

From flooded patios to broken dryers, 

emergencies come in many shapes and 

forms. Be ready for anything, including the 

common and the unplanned. Emergency 

funds are a more effective option than 

loans or credit cards for obvious reasons. 

You always want to avoid new debt. 


7 

ARE YOU APPLYING FOR OTHER CREDIT? 

Mortgage lenders can get access to 

your credit report and see applications 

for other types of loans. Doing this can 

hurt your loan since these companies 

see these applications as risks. You 

might want to wait before getting 

another credit card. What’s more, these 

applications lower your credit score 

which in turn affect your interest rates. 

A mortgage is something that will 

undoubtedly affect many areas of your 

financial life. It’s a responsibility that 

deserves proper planning before you buy 

a house, so consider how your current 

situation will be influenced and remember 

to plan for emergencies the right way. 

18 



20 



10 GREAT ALL-INCLUSIVE 

RESORTS FOR THE 

WHOLE FAMILY 

by David 

Baker 

Follow Us: 

Back in the day, all-inclusive trips meant bad entertainment and cheap food. 

But those days are long gone. Here’s why. 

family trip can become 

A 

quite stressful. No 

one wants stress on 

a vacation, no doubt, 

but these things 

happen. That’s the beauty of an 

all-inclusive resort: everything is 

taken care of for you, so the only 

worry for you is getting there. Back 

in the day, all-inclusive meant bad 

entertainment and cheap food. 

But those days are long gone. 

The most popular family allinclusive 

vacations are nicely listed, 

all right here. Every destination 

is exceptional, always with 

something a little extra for the 

price. You won’t be disappointed. 

Of the venues on this list, my 

personal favorite would definitely 

have to be the Grand Park Royal 

Caribbean in Mexico. It’s a different 

side of Cancun entirely. The resort 

in Travaasa Hana, Hawaii also looks 

very promising. So read on and see 

what your favorite is! 

22 


1 

SUGAR BAY RESORT AND SPA, ST. THOMAS 

The location itself was formerly of Wyndham Hotels, and was taken over by 

Dreams last year. Now it is formally the Dreams Sugar Bay St. Thomas. The place has 

exploded in popularity for family vacations. The package includes limitless access to the 

cafe, buffet and four restaurants, in addition to unlimited drinks from the various bars. 

Your kids will love the daily activities of the kids’ club or teen’s club. Try renting kayaks, 

snorkels or paddleboards when you head to the white sand beach. The rooms or suites 

range from $450 to $1200 a night. 

Whether you realize it or not, the habits you carry in your financial life will have a huge effect on your 

children, positive or negative. 

 


2 

DUNTON HOT 

SPRINGS, COLORADO 

A former mining camp turned into a luxury 

resort, Dunton Hot Springs is synonymous 

with major comfort and preserved nature. 

Nestled 8,600 feet in Colorado’s mountains 

between Durango and Telluride and 

sporting 200 acres, this place used to house 

loggers, miners and trappers. The 13 cabins 

are more small houses than cabins, as they 

can house between 2 and 10 people. Some 

of them even have their own hot springs. 

Some activities include the bathhouse, 

yoga classes, and the saloon. Included in 

your stay are all meals, drinks, property 

access, laundry and even the mountain 

bikes. It’s not cheap, however: the rent is 

between $900 and $1,900 a night. 


3 

MAYAN DUDE RANCH, TEXAS 

If you or your kids love horses, this is 

the place you need to be. An hour outside 

of San Antonio in hilly Texas country, 

Mayan Dude Ranch has the feel of camp for 

entire families. The days begin with a trail 

ride to breakfast with cowboys, followed 

by a second horse ride, a trail hike, a swim 

in the pool or a spot of sharpshooting. 

In the evening, enjoy some truly massive 

BBQ dinners, complete with a theme and 

plenty of nighttime entertainment. Your 

kids won’t forget being a cowboy for a 

few days, and it won’t tug away at your 

wallet either. Food, trail rides, drinks, and 

activities are all included for $165 a night 

for adults, and $80-$100 for children. 

4 

WHITEFACE LODGE, NEW YORK 

Part of Adirondack Park and sitting 

next to Lake Placid, you’ll soon find that 

the lake is famous merely for the Miracle 

on Ice. This is a hugely popular spot for 

skiing, mountain biking, hiking, and simply 

enjoying the lake. Whiteface Lodge, one of 

the best places for any of these activities, 

has 94 luxury suites and rooms with a 5,800- 

foot spa. Don’t miss the movie theater, 

various swimming pools, skating rink, and 

beach club. From $300 to $900 a night, the 

atmosphere is very preserved Adirondacks. 

5 

GRAND PARK ROYAL 

CARIBBEAN, MEXICO 

Cancun is widely known for tourists on 

spring break. But adventure outside of 

the downtown area, and the Grand Park 

Royal Cancun Caribe will greet you with 

a luxurious, all-inclusive resort that the 

family will adore. The resort sports 311 

rooms with a long isthmus with clear water 

on both sides. Enjoy the fitness center, 

yoga studio, spa and two pools. Now for 

the all-inclusive deal: it takes care of all 

meals, drinks, minibar, daily activites and 

even snacks. The extras are childcare, spa 

treatments and excursions. The packages 

range from $190 to $850 a night. 

24 


6 

MARBLE MOUNTAIN GUEST 

RANCH, CALIFORNIA 

In the heart of Klamath National Forest 

lies Marble Mountain Guest Ranch, a 

family dude ranch sitting on the Klamath 

River in northen California. The days here 

are filled with horseback rides on trails, 

river rafting, shooting practice and fly 

fishing. It’s both family run and family 

oriented, with every activity designed 

to accommodate the kids or the “young 

buckeroos” as they call them. Safety is a 

top priority. For infants, babysitting can 

be arranged. Every activity is run by the 

ranch itself, never outsourced, and food 

is cooked on the ranch. For the adults 

there’s a pre-dinner complimentary drink. 

The rates go from $240 to $360 per night. 

7 

SKI PORTILLO, CHILE 

Ski Portillo opened in 1949, and 

was the first ski resort to exist in South 

America. Today on the border of Chile in 

the Andes Mountains, the resort offers 

skiing as well as family-oriented fun. With 

1,200 acres of skiing and five chairlifts, the 

place has become a hit for North American 

skiers during their, or Chile’s winter. Aside 

from skiing, you can enjoy the hot tubs 

and pools overlooking the lake nearby. 

The hotel comes equipped with a gym for 

soccer, basketball or volleyball, a fitness 

center, movie theater, and yoga room. 

Prices range from $250 to $1,250 per 

night, dependent on accommodations. 

8 

CLUB MED SANDPIPER 

BAY, FLORIDA 

If your family is very active, with a love for 

sports and new experiences, you’ll love 

Club Med Sandpiper Bay. The company 

owns the only premium sports resort in 

the whole USA. If the on-site golf course 

or 20 tennis courts don’t appeal to you, 

then you can get a lesson from the worldrenowned 

in tennis, beach volleyball, golf, 

or triathlon. There’s also a private river 

beach, as the resort sits on the St. Lucie 

River. Trust me, the kids won’t be the only 

ones who love the water park and trapeze 

lessons. Prices range from $190 to $300 

per night, with food and drinks included. 


9 

SKYTOP LODGE, PENNSYLVANIA 

Skytop Lodge is a place where you can be as busy or as relaxed as you wish. Since 

1928 the historic lodge has catered visitors to the Poconos Mountains, and given them 

a vacation they won’t forget. As you drive to the manor house, you’ll be greeted by an 

impressive view. Whether you stay in the lodge, cottages or the inn, all offer access to 

the 5,500 acres of outdoor mountainside. From hiking the 30-mile trail, the golf course, 

and the Adventure Center, which has rock climbing, paintball and zip lining, the action 

will keep going. And if you’re looking for time in the water, there’s a lake and two pools 

on the property. The all-inclusive rate is $130 to $500 a night, including meals, drinks 

and some activities. 

TRAVAASA HANA, HAWAII 

Sure, it won’t be easy to get there. 

But once you are there, there will be no 

question of whether it’s worth it. The 

Travaasa Hana, located in the town of Hana 

on the east edge of Maui, is everything 

you’d picture a Hawaiian resort to be. 

Not to be confused with sandy beaches, 

however: you’ll experience unforgettable 

hikes, majestic waterfalls, and stunning 

rocky ocean views. It’s been voted the #1 

Resort in Hawaii by Conde Nast Traveler, 

and the experiences are endless. For 

adventure, try canoeing, horseback riding 

by cliffside, and even stand-up paddle 

boarding. Don’t forget to try some of the 

local Hawaiian traditions, and of course 

the spa. The all-inclusive deal is called 

the Total Travaasa, and gives you meals, 

non-alchoholic beverages, and $125 spa 

credit every day. The rates go from $500 

to $1,200 a night. 

26 



28 



14 AWESOME 

ROAD TRIPS ACROSS THE PLANET 

by 


Follow Us: 

When you hear the term ‘road trip’, you probably picture a drive to Florida. But 

when you see some of the trips on this list, you’ll think differently. 

absolutely love road trips. I 

I 

also happen to love making 

lists, so it was a no brainer 

to come up with a list of the 

best car journeys imaginable. 

In order to complete the list, I included 

suggestions from travel writers and good 

friends. The one condition was that the trip 

be outside of the United States, so what 

I got was a list of very original answers. 

I think you’ll find that this list is right 

on the money. The interesting part 

is that while I haven’t been on all 

of these road trips, many of these 

definitely belong on a must-go list. 

Some of the pictures are breathtaking. 

Of these 14 road trips, my favorite would 

have to be number ten. My second 

favorite would be lucky number seven, as 

it so happens. But any one of these are 

worthy of your favorite pick, so read on 

and let others know what you think! 

30 


We tried them all: thrusts, crunches, planks. Then we got bored and came up with some fun ways to 

shred those abs. You won’t be disappointed! 

 


1 

MALLORCA SPAIN 

Mallorca, Spain is a gorgeous Spanish 

Island nestled in the Mediterranean. 

The up and down turns while driving will 

certainly ensure an exciting ride, and the 

road through the Escorca region to Sa 

Calobra village are worth it. If you can, 

visit the Escorca Restaurant where you 

can grab some real comida de campo, or 

country food. The suckling pig, roasted 

goat, lamb and rabbit are one of a kind 

dishes you can’t get anywhere else. 

2 BULGARIA 

That’s right: all of Bulgaria. You’ll find 

fields of sunflowers that won’t ever end, 

historic buildings, mountains capped with 

glistening snow, and grassy slopes. Along 

the way, do make sure to make plenty of 

stops. Of the best places to visit, consider 

Rila, Plovdiv, Veliko Tarnovo, Varna, and 

Govedartsi. The 10th century monastery 

in Rila is amazing, and the scenic lakes 

of Govedartsi and the food from Veliko 

Tarnovo will be a shining memory. 


3 

THE CABOT TRAIL IN 

NOVA SCOTIA, CANADA 

On Cape Breton Island, Nova Scotia lies 

one of the most unforgettable road trips 

in the world. You’ll be keeping a tally of 

wildlife and the scenic trails will make you 

want to stop for just a moment and take it 

all in. But keep going, and the views of the 

ocean on one hand with the mountains on 

the other...it’s truly amazing. 

4 

CAPE POINT ROUTE OF CAPE 

TOWN, SOUTH AFRICA 

A one day drive, Cape Point Route is mainly 

a long winding road. The Hout Bay next to 

you will offer some stunning visuals of the 

South Atlantic and Southern oceans. You’ll 

meet African penguins (that’s right, up 

close) and can stop at the local vineyards 

for a special respite. 

5 SCOTLAND 

For your trip in Scotland, start 

in Edinburgh and make your way to 

Stirling Castle. I’ve always wanted to see 

a medieval castle in person. Continuing 

to Loch Lomond National Park, you’ll spy 

a magical scene only found in Scotland. 

Next, stop near Fort Williams for the 

Glenfinnan viaduct. This is where a scene 

from Harry Potter and the Chamber of 

Secrets was shot. A place you definitely 

don’t want to miss? Loch Ness, of course, 

and keep an eye out for Nessie. 

6 

SOUTH AFRICA’S KRUGER 

NATIONAL PARK 

Of this list, this is probably the slowest road 

trip as the speed limit is 25 mph. But that 

doesn’t mean the thrills won’t make up for it. 

The area encompasses more land than some 

32 


countries, all for the preservation of African wildlife. With wildlife crossings and the bellows of 

lions, no road trip is truly comparable. 

7 

MEXICO’S PALENQUE AND SAN CRISTÓBAL DE LAS CASAS 

If you find yourself in Mexico for a road trip, rent a car and prepare for the drive 

from San Cristóbal de las Casas to Palenque. It’s a one day trip that might be the most 

bump and hill ridden road ever. Don’t miss Agua Azul, the majestic natural blue waterfalls. 

8 

THE UNITED ARAB EMIRATES 

Another excellent road trip is the 

drive from Abu Dhabi to the Qasr Al Sarab 

Desert Resort in the United Arab Emirates. 

Of the two hour trip, an hour and a half 

will be flat roads that will awaken your 

need for speed. After that, there will be 

tons of curves that will take you to Rub’ al 

Khali, or the Empty Quarter (the second 

biggest sand desert in the world). At the 

end of the road, the resort will seemingly 

appear out of thin air. 

9 

ONTARIO, CANADA 

Driving through the Trans-Canada 

Highway in Ontario is a one of a kind trip. 

You won’t find any towns but the stops are 

none the less amazing. You’ll be alongside 

Lake Superior, which is so big that you’ll 

feel like you’re next to the ocean. 

GRAND CAYMAN ISLAND 

IN THE CARIBBEAN 

Few people head to the Grand Cayman 

Island and think “Road trip!” but you 


seriously should. Begin in Hell (yeah) and 

finish at Rum Bay. The island is only 22 

miles wide so the trip won’t likely take 

longer than an hour excluding stops, but 

I recommend that you do stop and check 

out every beach. You may find a great 

snorkeling spot you wish to indulge. 

SOUTH ISLAND, NEW ZEALAND 

Of the two major islands in New 

Zealand, the South Island has rocky 

coastlines and long, dirt roads that weave 

throughout the jaw-dropping mountain 

ranges. You probably won’t find a sight 

like this anywhere else in the world. Every 

turn leads to more visuals that will require 

a photo. If you choose to camp for the trip, 

this place will feel like a new world. 

THE AUSTRALIAN BUSH 

From what I’ve heard, the 

Australian bush is an incredibly exciting 

place to drive through. That’s both 

because of the stunning scenery as well as 

the potential danger of wild wombats and 

kangaroos. The best time to see the light 

is also the most perilous time (dawn and 

dusk), so be careful! 

34 


AUSTRALIA’S GREAT OCEAN ROAD 

For 158 miles along the southeastern coast of Australia, you’ll find the Great 

Ocean Road adjacent to the chaotic Southern Ocean and a series of curves alongside 

majestic views. The ancient limestone stacks left by millennia of erosion sit alone on the 

shore. You’ll spy kangaroos, emus, koalas and penguins on this trip, and finish at the 

Twelve Apostles. 

THE GRAND PACIFIC 

DRIVE - AUSTRALIA 

If you live in Australia, you’re seriously lucky. 

I mean, clearly that’s where I need to be: 

with this conclusion of the list I’ve tossed in 

three distinct road trips, all in Australia. The 

Grand Pacific Drive is just another that I’ve 

heard great things about, beginning in the 

Royal National Park of southern Sydney and 

ending with the town of Nowra on the New 

South Wales South Coast. Paying attention 

to the signs will help you make stops at the 

beautiful towns and beaches, as well as the 

Sea Cliff Bridge and Wollongong Lighthouse. 


36 



38 


11 SMART WAYS TO 

SHOP WITH 

COUPONS 

by David 

Baker 

Follow Us: 

If cutting your food budget by 30 to 50 percent sounds appealing, this article 

will definitely be worth the read. 

It’s a rare family that’s 

not on a food budget. 

The family food 

shopper searches for 

any way possible to 

cut back on the amount of money 

spent on food. One of those is 

using coupons. Conservatively 

speaking, there are millions of 

coupons circulating every day 

that could cut your food budget 

by 30 to 50% - even more if 

you’re willing to turn couponing 

into a passion. 

1 

THE CASUAL COUPONER 

Usually, a person will pay 

for a whole cart full of groceries 

while utilizing fewer than 10 

coupons. Normally they’ll 

save a few bucks on the entire 

transaction. Taking a Chex Mix 

coupon for example, I could walk 

into a drug or grocery store and 

find Chex Mix for $2.99 and hand 

over my coupon, allowing me 

to save 55 cents after the price 

drops to $2.44. 


Building new financial habits that will actually make a difference in your life isn’t easy. But these tips will guide 

you along the path to improvement. 

 


2 

ARE YOU A GENERIC BRAND 

STORE SHOPPER? 

A lot of people find themselves in this 

category. They’ve found that they could save 

more money buying the generic brand over 

the name brand even if they were to use a 

coupon on the name brand. By shopping for 

only generic brands, a person can save up 

to $300 a month - and all without using any 

coupons. Going back to Chex Mix, I’d save a 

lot more than 55 cents if I buy the Generic 

Mix, which was $1.49 a bag. The problem a 

person will have here is if they prefer the 

taste or quality of a name brand. 

3 

FOLLOWING THE RULES OF THE 

COUPON DEAL SHOPPER 

When the timing is right, you can save 

more buying name brands than generic 

stuff. Items often go on sale, and it is at 

this time that you can capitalize on the 

opportunity. Combining a store sale with 

a manufacturer’s coupon, you can get an 

item almost for free. Being a coupon deal 

shopper is like aligning the Sun, Earth and 

Moon. In a way similar to how you get a 

solar or lunar eclipse, you can walk away 

with groceries at prices you’d think weren’t 

possible. Wait for those sales. 

40 


4 

SOME EXTREME COUPONING 

You can start saving between 70% and 

95% on everything. Yup, that’s right. Follow 

these two rules: if it’s not on sale, don’t 

buy it and always combine the sale with 

a coupon. This could require some more 

effort, but if stretching your dollar matters 

to you it’s worth it. Looking for multiple 

deals can lead you to spending 65 cents 

on something instead of over 3 dollars. 

Combining store and manufacturer’s 

coupons as well as store sales is key. 

5 

BECOME A SUPER SAVER SHOPPER 

Even the casual coupon clipper can 

become quite successful overnight and 

with more work and dedication become 

a super saver shopper. You have to be 

patient, flexible and perhaps give up your 

favorite brand, but it can be done and 

you can save a lot of money. Remember, 

coupons are designed to sell a certain 

product and get you in the store but if the 

item is not one you need and use, then 

saving money on that item is a moot point. 


6 

WHERE TO FIND FOOD COUPONS 

Food coupons can be found 

anywhere. The Sunday newspaper is 

usually the best source but also look 

online, at public libraries and at coupon 

swap boxes at the store itself. Some stores 

issue coupons at checkout for use on your 

next trip. Be sure and note expiration 

dates and if a cash value is offered. Don’t 

let them expire and go to waste. 

7 

ORGANIZE BEFORE YOU SHOP 

Keep coupons sorted by food type 

in an easy to search through container 

and match coupons with needs on your 

grocery list. Some coupons have mail 

in rebates. Beware of this and follow 

up. Sign up for a store loyalty card that 

usually offers coupons plus bonus points 

that are cumulative each time you shop. 

Using a store’s own credit card can lead 

to double points and free item coupons. 

When you combine regular coupons with 

sale prices, you’re becoming a super 

saver. If a coupon item is not on sale 

and it’s not an urgent buy wait until it’s 

on sale. Be on the lookout for sale and 

bonus points tags. 

8 

COMPARE THE ADS 

It may pay you to drive to more than 

one store if it’s an item you need, have a 

coupon and it’s not available anywhere 

else. But, before you burn up extra gas, 

ask if the store honors its competitor’s 

coupons. Many will do this just to keep 

you in the store. You can call ahead to 

save a trip. 

42 


9 

ALWAYS CHECK STORE POLICY 

Every grocery chain will be different 

in terms of how they handle coupons 

so you will want to know the answers to 

several questions every once in a while. 

Does your store ever double a coupon’s 

value? Do they have special discounts for 

veterans, students, or seniors? How about 

competitors’ coupons, do they double 

those? And especially important, do they 

place limits on the amounts of doubled 

coupons? 

A DOLLAR MARKETING TOOL 

Don’t be susceptible to the 2 for 

a dollar marketing tool unless it’s to your 

advantage with a coupon. If you need two 

of the item go ahead and buy them; but 

save by buying only one if that’s what you 

need. For example, the sign may read: 15 

limes for a dollar. Unless you’re a big lime 

user, some could go bad before you use 

them. 

STRETCHING YOUR FOOD DOLLAR 

There was a time when some 

shoppers felt using coupons was not 

appreciated by the grocer and hesitated to 

use them. They didn’t want to hold up the 

line while the checker scanned coupons. 

It’s a faster and easier method now with 

computers. Some of these strategies may 

not be right for you. It takes practice and 

patience, trial and error. If stretching your 

food dollar is your goal, there are few 

better ways than using coupons. 


44 



46 



RAISE YOUR CREDIT SCORE 

by 


Follow Us: 

With a few simple changes, you could find a huge difference in your credit score 

and take advantage of better insurance, interest rates, and more. 

Even if your credit score seems abysmal, you don’t have to accept that it 

will stay in that state. There are many actions you can take to resurrect 

it, and it starts with the desire. Once you’ve decided that you are going 

to do this for yourself, the dominoes will fall in the right direction. 

With some hard work and a bit of dedication, you can see results rather quickly. Take 

that first step forward. It’s never too late to begin the process of making a change. 

These are simple changes you can make that will raise your credit score. This affects 

your insurance rates, important financial products, and loan interest rates, so it pays to 

make that score as high as possible. Take these ideas into consideration: 


At the end of the day, it’s all about saving your hard-earned money. Okay, your easily-earned money, 

too. Here’s how to save money at the dollar store. 

 


1 

GOOD CREDIT HISTORIES 

Piggyback on good credit histories. 

Using a family member or friend’s good 

credit history is a great place to start. Add 

yourself to an account in good standing, 

and your score will start improving. In 

fact, most credit cards allow the adding of 

family and relatives. You’ll be able to pay 

bills and make purchases. 

2 

KEEP THE OLD ACCOUNTS OPEN 

Keeping the older accounts such as 

credit card accounts open is important 

because these influence credit scores. 

If you close them down, your score may 

decrease. Age is also taken into account. 

A history of maintaining credit affects 

older accounts positively. These accounts 

can also add to the level of credit you can 

get, which lowers the percentage you’re 

currently using, in turn raising your score. 

3 AUTO-PAYMENTS 

Setting up automatic payments is a 

great idea, conveniently paying your bills 

every month. You’ll avoid late payment 

and fees, and it’ll improve your score as 

you prevent those issues. 

48 


4 

PAY MORE THAN ONCE A MONTH 

Credit scores rely on what is called 

debt utilization ratio. This ratio compares 

the debt you have to your credit limit, and 

to improve your credit score you need to 

lower this ratio. Paying your credit bills 

more than once a month may decrease 

the ratio, as extra payments lower your 

debt while increasing credit availability. 

5 

GOOD-WILL DELETIONS 

It’s possible for you to ask for 

lenders or reporting agencies for good-will 

deletions, which are requests to remove 

late fees, unpaid bills, and late payments 

based on prior good history. If you’ve had 

few issues and are a long-term customer, 

this method will work better. 

6 

AVOID PRE-APPROVE OFFERS 

Those pre-approved offers you get 

in the mail? Trash them. These usually 

require a credit check, which you want to 

avoid since multiple credit checks lower 

your score. Also, avoid creating too many 

accounts. Managing a smaller number of 

accounts is easier of course, since you’re 

less likely to make a blunder. 


7 

AVOID NEW UTILITY ACCOUNTS 

Gas, phone services and electricity 

require credit checks. Again, this will lower 

your score. Try transferring your utilities 

to a new address instead of opening a new 

account. 

8 

REMEMBER LIBRARY FINES 

It sounds minor, but remembering 

to pay library fines is important. Unpaid 

fines can and will decrease your credit 

score, since libraries can send those bills 

to collection agencies. 

9 

KEEP AWAY FROM ONLINE 

QUOTE COMPARISONS 

Those online insurance or loan quotes you 

see in the commercials count as inquiries 

on your credit score, so stay away. Every 

time you ask for a quote, it affects your 

score, especially getting quotes from 

different websites. Narrow the options you 

have before getting the quote to prevent 

affecting your score. 

SET UP LONG-TERM CREDIT 

Rather than switching to a new 

company promising lower rates for a 

couple of months, think about staying 

with the one you have. Why? Credit scores 

increase based on good, long-lasting 

relationships with lenders. If you make 

too many moves, your score may suffer. 

Follow these strategies and you may find 

that several of them work for you. In the 

process of attaining a higher score, careful 

planning is integral. 

50 



52 



6 IMPORTANT THINGS TO 

TEACH YOUR KIDS 

REGARDING MONEY 

by David 

Baker 

Follow Us: 

Even from an early age, your children can greatly benefit from being taught 

early lessons relating to money management. 

Ah, yes: money habits. 

I’m sure you’ve heard 

people say these are 

formed from an early 

age. For the most part, 

this is true. However, it isn’t to say 

that bad habits can’t be broken. 

Breaking bad habits does get more 

difficult as one gets older, however. This 

is why it’s crucial for you, as a parent, 

to ensure your children have been 

exposed to the right way to do things 

when it comes to money. They may 

not know it, but you could be saving 

them a load of stress in their future. 

Even at an early age, children can 

greatly benefit from financial 

education. Money habits are 

formed by the age of 7, according 

to a study from the University Of 

Cambridge. It’s important to begin 

basic financial education by the age 

of 3, according to the researchers. 

Giving your kids the right direction 

is important, so here are a few 

techniques for them to learn. 

54 


Building new financial habits that will actually make a difference in your life isn’t easy. But these tips will guide 

you along the path to improvement. 

 


1 

BASIC CURRENCY LITERACY 

To draw on from another study, this 

time from Yale University, children can 

recognize and recall coins by 3 years old. 

Teach your kids about the various coins 

and bills, and also think about teaching 

them about foreign currencies when you’re 

off on vacations. Expanding their minds 

and helping them learn about the country 

they’re in can be greatly beneficial. 

2 

MAKE SOME MONEY JARS 

This can be a fun way to teach 

your child a thing or two about money. 

There are three types of money jars for 

these basic lessons: giving, spending, 

and saving. Instruct them on how to use 

the jars, and explain the importance of 

each. Separate money after allowance 

or birthday gifts, and your children will 

remember how to save in the future. 

For the giving jar, consider using it for 

charities. This will instill in your children 

an understanding for how they can help 

other people with money. You could 

also contribute to a local food pantry or 

animal shelter. 

3 

START USING COUPONS 

An important lesson on saving can 

be learned through couponing. Along 

with your child, cut out coupons and let 

them handle the papers at the store. As 

young as 5, kids can benefit from using 

coupons. Saving money and making wiser 

decisions while shopping are just two of 

such benefits. 


4 

SET A MONEY GOAL 

Your child surely has a favorite toy 

or desired item in mind. To teach your 

kids financial patience, money goals are 

an easy strategy. Set realistic goals so that 

they’ll keep their motivation. If the toy is 

too expensive, they may lose interest. Pick 

less expensive stuff. 

5 

GO SHOPPING WITH YOUR KIDS 

Let your children use the 

contents of their spending jars at the 

store. This lets them think about how 

they’ll spend their money, and helps 

them decide to either use the jar in 

one sitting or spread it out over trips. 

This also gives the opportunity to teach 

them comparison shopping. Talk about 

the different prices on similar items, 

and show them the inexpensive options. 

Afterwards, they can evaluate the results 

and understand the choices they made. 

6 

HAVE YARD SALES 

Yard sales could kill two birds with 

one stone: clean out your kid’s room and 

also teach them about money. Ask your 

kids if they’d like to sell some old clothes or 

toys, and make sure to help them with their 

selections. Talk about appropriate pricing. 

This could help them refill their jars. 

If you have older kids, you could let 

them help with sales. Tracking change 

and watching customers will prove 

a valuable opportunity for them 

to learn about price negotiation. 

As you can see, before your kids are 

even in school they can start financial 

education. Forming the right habits and 

understanding how money works will pay 

huge dividends in the future. 

56 



58 



13 INTERESTING 

EXERCISES FOR GETTING RIPPED ABS 

by 


Follow Us: 

We tried them all: thrusts, crunches, planks. Then we got bored and came up 

with some fun ways to shred those abs. You won’t be disappointed! 

Nothing says you’re in great 

shape like a chiseled sixpack. 

But as you probably 

already know, doing a bunch 

of crunches isn’t going 

to get it done. The best abs workout 

combines a variety of movement and 

exercises to build a stronger core, hitting 

all the muscles between your hips. 

These 13 moves are sure to blow away most 

ab workouts you’ve encountered. From all 

angles, your core will be challenged and 

you’ll see results fast. You’ll be surprised 

at how easy training your abs can really be. 

From utilizing weights to simple body 

weight, there are many exercises here 

that will suit anyone. We recommend you 

give them all a try! If you dislike a few, 

that’s okay: several of these movements 

can be modified and retain effectiveness, 

or even inspire you to come up with your 

own exercises better suited for you. Above 

all else, I can guarantee you that these are 

fun (especially number 13)! 

60 


When you hear the term ‘road trip’, you probably picture a drive to Florida. But when you see some of 

the trips on this list, you’ll think differently. 

 


1 

ELEVATED BIRD DOG 

Instead of doing crunches all day, try 

the elevated bird dog. It’s a more difficult 

variation of the bird dog movement, requiring 

you to stiffen your core. By lifting your knees 

slightly off the ground, keeping your torso 

still becomes more challenging. As you switch 

your arms and legs, a variety of muscles 

work together to stabilize your spine: hips, 

obliques, lower back, and of course the rectus 

abdominus (six-pack muscles). 

2 

SINGLE ARM WALL PUSH 

This exercise is cool because you 

can do it anywhere you have access to a 

wall. In terms of a total-body exercise, it’s 

great because it hits your glutes, calves, 

shoulders, lats, triceps, biceps, and more. 

As far as your abs go, the single-arm wall 

push trains core anti-rotation: your abs 

are stopping your body from turning, 

sculpting a six-pack and protecting your 

lower back. 

3 

LATERAL WALL RUN 

Training from a different angle is 

always a great way to increase the gains 

of your workout. Running at a slant 

increases the work your lateral line and 

core muscles must take on. Essentially, 

it’s harder to run slanted than straight up 

and down. This exercise helps promote 

spinal protection as a strong core protects 

against injury caused by jerks and twists. 

It’ll also improve your balance, flexiblity 

and coordination. 


4 

BEAR CRUNCH 

This movement gives a real 

abdominal burn. As you turn from side to 

side, you’ll feel how hard it is to keep your 

core stabilized. When you bring your knee 

to your elbow, the flexion will leave your 

muscles feeling like they were set on fire. 

5 

INCHWORM SLIDE 

The inchworm is a common exercise 

during warmup, as it’s a great stretch for 

your hamstrings, calves and thighs. Your 

muscles will be ready for anything. But 

add a towel into the mix and you have 

a tough, core-chiseling movement. The 

inchworm slide hits your obliques, abs 

and hip flexors as you slide the towel 

to your hands. 

6 

SWISS-BALL JACKKNIFE 

While it may not be the most popular 

tools amongst the majority of guys, it’s 

definitely one of the most effective when 

it comes to developing a six pack. The 

nature of the surface — soft, unstable — 

provides a great challenge to your core. 

Performing a jackknife on the ball involves 

your entire midsection, from your lower 

abs and back to your hip flexors, obliques 

and glutes. 

7 

SINGLE-ARM OVERHEAD PRESS 

The overhead dumbbell press is 

designed to work your shoulder, arm and 

upper-back muscles. But a little tweak 

can turn it into a great ab exercise. All 

you need to do is remove one of the 

dumbbells from the equation. By creating 

an unbalanced load, the movement pulls 

your body to the side. Squeeze your core 

to stay upright, and you’ll feel the burn in 

no time. 

8 

MOGUL JUMP 

At first glance this exercise looks 

like skiing, but it’s effective for training 

in a variety of sports. Rotating your body 

from side to side in this manner hits your 

abs, lower back and hips at the same time. 

By increasing the power in your rotation, 

you’ll be able to swing and throw with 

more velocity. 

62 


9 

SKIER SWING 

Combining the form of a downhill 

skier with a kettlebell swing, this workout 

will shred your abs fast. It’s a fun, fast 

paced movement that build explosive 

power as well as melting fat. From your 

shoulders to your hips, your core will be 

torched. 

PRONE PLATE SWITCH 

The plank is an awesome exercise 

all around, as it stabilizes your spine, 

protects you from lower back pain, and 

strengthens your abs. But the truth is that 

it’s boring! Prone plate switches spice it 

up, thrusting the classic plank into hard 

mode. As the plates traverse the front 

of your body, your core fights against 

rotation. Trust me, you won’t want to go 

back to planks after giving this a try. 

SIDE CRUNCH 

This move is deceptively difficult, 

as it tests your balance and hits your 

oblique muscles. Focusing on your 

obliques is important for having balanced 

core strength, and side crunches do just 

that. They also work your hips very well. 


V-UPS 

V-Ups are tough for beginners, but once you get the hang of the movement it will 

be your go-to for total abdominal exercise. Make sure to keep your knees straight, and 

allow your abs to work dynamically by beginning each rep with your back on the floor. 

WOOD CHOP 

Grab yourself a 

dumbbell, cable weight 

system or medicine 

ball and you’ve got the 

tools to shred your 

abs like a lumberjack. 

Kneeling on one knee 

with the other foot 

forward, use both 

hands to lift the weight 

over your shoulder. 

Avoid turning your 

torso, and face 

your body forward. 

Within 12 reps, you’ll 

feel the burn with 

challenging weight. 

64 



66 



6 WAYS A 

GLASS SAVINGS JAR CAN 

MAKE A DIFFERENCE 

by David 

Baker 

Follow Us: 

You may not think it at first, but a simple glass savings jar can be the main 

difference maker in your future financial habits. 

For some people, 

their financial 

goals seem more 

like dreams than 

anything else. 

But it’s absolutely within the 

realm of possibility for you 

to accomplish your financial 

goals, no matter how daunting 

they may seem. This article 

will get you started on a 

glass savings jar, and prepare 

you for financial success. 

Over the course of one year, a 

simple glass jar could save you 

a lot of money. It provides the 

motivation to stick to a plan, 

and helps you put money away 

for renovation or vacation. 

Of course, it’s not about 

what kind of glass jar it is. 

Any will do, but make sure 

it’s see-through. Seeing the 

money as it grows will provide 

encouragement for you. 

68 


So you’re thinking of taking on a mortgage. Before you sign off on that dotted line, take a good look and ask 

yourself these 7 questions. 

 


1 

THE 5 BUCK PLAN 

This plan is simply saving 5 bucks by 

putting it in the jar everytime you get one 

back as change. You could even modify 

this plan to be for $10, $20, etc. You could 

even go with quarters. The point is in 

rather than spending the bill, you increase 

your jar savings. 

2 

THE 52-WEEK MONEY CHALLENGE 

Every week, you’ll gradually increase 

your savings. Begin with just a dollar 

for the first week, and every week after 

that throw in an extra dollar. Using this 

simple challenge, you could save $1,378. 

The last week of the year will reach $52. 

To help yourself track the savings, use an 

online or written calendar. Label each week 

with the amount to be added to savings. In the 

beginning of the plan, it will be easy of course. 

You have to consider the challenge at the end 

of finding the extra $52. It pays to plan ahead. 

3 

THE CHANGE METHOD 

You’ve probably heard of saving 

your change, but have you actually done 

it? It can give good results. After running 

errands or going to work, place all your 

change in the jar. 


4 

THE PAYCHECK PLAN 

After you cash your paychecks, think 

about adding a set portion of money to the 

jar. This plan works for couples, as you can 

set aside specific amounts of money each 

month from both paychecks. If you have a 

financial goal to reach, this will certainly 

help. Or even if you’re looking to purchase 

a new gadget or save for a vacation, you 

can plan for it. 

5 

THE INSPIRATION PLAN 

This plan works best when you 

have a photo or image of what you want 

to achieve in terms of a goal. Put it near 

the jar or even attach it to the lid, and 

look at it every day. This will inspire you 

to add to the savings jar, and the family 

may even hop in. Keep the jar in the living 

room for visibility. Of course, the photo 

will depend on the goal you set: it could 

be a picture of a nice new television or 

perhaps a vacation spot. The goal could be 

written on paper. Whichever you choose, 

the photo will constantly remind you of 

why you are doing this in the first place. 

6 

THE $20 WEEKLY PLAN 

Alternatively to the 52 week 

money challenge, you’ll be placing a set 

portion of money in the jar every week. 

You’ll want to track these savings on a 

chart or calendar of some kind, and at 

the end of the year you’ll save $1,040. 

Now you’ve seen how a little glass jar can 

save you at least $1,000 over the course of 

a year. I seriously recommend giving it a 

try: you may be surprised how it can help 

you achieve your financial goals. 

70 



72 



10 TRICKS FOR 

SHOPPING AT THE DOLLAR STORE 

by 


Follow Us: 

At the end of the day, it’s all about saving your hard-earned money. Okay, your 

easily-earned money, too. Here’s how to save money at the dollar store. 

We’re all familiar with 

inexpensive variety stores 

that have been around as 

long as you can remember 

probably. Originally, there was 

the five and dime or just the dime store 

and most everything there was a nickel or 

a dime. However, inflation couldn’t keep 

its nose out of our lives and forced prices 

to go higher. And remember, five cents 

back in those days would be worth over 

a dollar today. 

1 

LOOSELY DEFINED DOLLAR STORES 

Now we have the dollar stores which 

are a little misleading even though some 

things sell for a dollar or less but others 

multiples of a dollar. They sell things such 

as cleaning supplies, toys, pet supplies, 

ironing boards, garden tools, candy and 

food that’s in a can. Most products are sold 

for less than at a general retail store but it’s 

best to know your prices before you go in. 

Some products are generic or private label 

brand made specifically for that company. 

74 


With a few simple changes, you could find a huge difference in your credit score and take advantage 

of better insurance, interest rates, and more. 

 


2 

99 CENT ONLY STORES 

Other merchandise is purchased from 

another store that has had an overstock or 

close-out sale. You might find items that were 

manufactured for a special promotion or 

event and are now out of date or sales have 

slowed too much to keep it in stock. Wouldn’t 

it be nice if a dollar store sold fresh food? 

Enter the 99 cents only stores where nothing 

is over 99 cents...ever. Well, that’s what they 

say. This chain was founded in 1982 and now 

boasts more than 260 stores in California, 

Nevada, Arizona and Texas. Their total sales 

for fiscal year 2006 totaled one billion dollars. 

3 

THE DOLLAR STORE EFFECT 

ON MANUFACTURERS 

Dollar stores have added a variety of food 

and alcohol depending on what state you 

live in, and over the years have become 

increasingly alluring to customers. It’s 

become an actual consideration for you 

to do some grocery shopping here rather 

than there. And as more people realize 

this, manufacturers are competing with 

more profitable brands for space on 

those shelves. That’s right: manufacturers 

are designing their products for dollar 

store shoppers. 


4 

DOLLAR STORE CULTURE 

They claim to be the oldest single 

price retail chain in the country offering 

deep discounts on primarily new name 

brand merchandise. The good news is 

some of their sales include fresh produce, 

a deli, frozen foods and occasionally fresh 

meat. The deli features mostly cold cuts. 

This is in addition to canned goods and 

other basic grocery items, plus health and 

beauty aids. The inventory varies and not 

everything is name brand. 

5 

EVERYTHING FOR 99 CENTS 

Recent ads for produce include 

cantaloupe for 99 cents, pound and a 

half of plums for 99 cents, dozen eggs 99 

cents, milk 32 ounces for 99 cents and five 

pounds of potatoes for 99 cents. Even a 

large watermelon for, yes, 99 cents. By the 

way, the ad didn’t say what size the eggs 

were. And, some wine snobs are enjoying 

their 99 cent wine. 

6 

WE’RE ALL LOOKING 

FOR A BARGAIN 

These kinds of stores, until recently, were 

thought of as being in low income areas 

and shopped by low income people who 

didn’t mind some off brand merchandise 

if they could save money. If that were ever 

true, that’s changed with the spiraling 

cost of food and gasoline. Now, we’re all 

looking for a bargain. The 99 cents only 

stores pride themselves on having a clean 

store with friendly, personal service. 

Shelves are fully and neatly stocked, aisles 

are wide and the total environment is 

fresh and pleasant. 

7 

BECOME A SUPER SAVER SHOPPER 

They even offer more help with a 99 

cent only cookbook: gourmet recipes at 

discount prices. If you live in one of the 

above four states and are trying to trim 

your food budget, it might be worth your 

gas to shop and see what all you can get 

76 


for 99 cents. It’s just another option for 

you to become a super saver shopper, 

and stretch the value of that dollar bill as 

much as you can. 

8 

SMALLER PACKAGES AND QUICK TRIPS 

Instead of opting to buy in bulk, if 

you’re interested in shopping at a dollar 

store you will mostly find packages that 

are smaller. This lowers sticker prices for 

the stores and is more helpful for the older 

consumers or people who live in relatively 

smaller households. Also, remember that 

the dollar store speciality is quick trips. If 

you need something immediately and not 

necessarily to stock up, you should hit up the 

dollar store instead of that Super Walmart. 

9 

THE TRUTH ABOUT DOLLAR 

STORE PRODUCE 

So let’s say you’ve made it into the dollar 

store for today’s dinner and you’re headed 

straight for the produce section. Woah, stop 

right there. Keep in mind that dollar stores 

are at the bottom of the food chain. They 

get last pick from distributors, behind even 

gas stations. This means that their produce 

isn’t top notch. You’ll get fresher produce at 

the supermarket and you’ll have better luck 

at finding a promotion for a large sale. That 

is, if you aren’t strapped for money. If it isn’t 

that big of a deal, stay in the dollar store. 

NOT EVERYTHING IS A STEAL 

And while we’re talking about savings, 

don’t always assume that the dollar store 

you’re in will have huge savings guaranteed. 

If you’re in there for stuff like candy and 

snacks, you’ll be paying more per serving 

than at a supermarket. It’s the mere idea that 

everything in a dollar store is cheaper that 

makes shoppers like you and me buy a box of 

cereal out of mindless impulse. So figure out 

the cost per serving, and find those real deals. 

At the end of the day, it’s all about saving 

your hard-earned money. Okay, your easilyearned 

money, too. So next time you’re 

making the decision of going grocery 

shopping and you want to start saving, take 

a trip to the grocery store and take a look 

around. Compare the prices. Make a list, but 

keep it vague. And most of all, avoid buying 

things you don’t need. 


78 



80 


17 TIPS TO KNOW BEFORE 

HIRING LEGAL HELP 

by David 

Baker 

Follow Us: 

There are lot of directions to go when it comes to hiring a lawyer. These 17 

tips will explain the do’s and don’ts of the whole process. 

So you’re thinking 

about hiring legal 

help. Perhaps you’re 

dealing with a personal 

dispute, a workrelated 

situation, or a personal 

injury claim. No matter what it is, it 

is of utmost importance that you 

know a few things when it comes 

to hiring lawyers. Why, you ask? 

When it comes to hiring lawyers, a lot 

of people think about where to begin. 

There are many options, so how can 

one decide how to simplify the list? 

Here you will learn exactly what you 

need to know regarding lawyers. 

Knowing the basics of dealing with 

lawyers and the do’s and don’ts 

will go a long way. The following 

advice is simple, but highly accurate. 

From picking the right lawyer for 

you, to effective communication 

and appropriate expectations, 

you’ve come to the right place for 

understanding the process of hiring 

legal help. 


These 17 tips will show you how you can really spice up your experience with coffee and give that next mug 

an infusion of welcome novelty. 

 


1 

DON’T PICK THE FIRST LAWYER 

Picking the first lawyer to come your 

way is a bad decision. By doing thorough 

research you will attain the best results. 

Ask other people and discover everything 

possible about potential lawyers. 

2 

AVOID AGGRESSIVE LAWYERS 

Avoid a lawyer who is aggressively 

pursuing you as a client. This is a red 

flag for scamming and the unscrupulous, 

typically in large cash settlements. Hire 

an honest lawyer on your own terms and 

remember to do your research. 

3 

DEFINE YOUR QUESTION 

Define your question before 

searching for a lawyer. The first 

consideration is whether or not you even 

need a lawyer. For real estate, criminal, 

or divorce, a lawyer is a good idea. From 

dealing with an estate to legal advice on 

business or personal matters, the right 

lawyer can be a huge difference. 

4 

SPECIALIZED LAWYERS 

Lawyers who specialize in particular 

areas of the law may be more expensive 

but you will actually save money. In the 

end, it’s all about winning and you will 

save money. 

5 

ASK MANY QUESTIONS 

Ask many questions to the lawyers 

you choose to interview. The lawyer should 

address your concerns and demonstrate 

a willingness to hear you out despite not 

charging. You should be comfortable with 

their skills. Remember, you need to be 

able to walk away if they don’t make you 

comfortable. It means that they aren’t the 

right choice for you. 

82 


6 

EFFECTIVE COMMUNICATION 

Communication between you and 

your lawyer needs to be great. Meet the 

deadlines that affect your case if your 

attorney tells you so, and do it on time. 

The benefits will be many. 

7 

SIGN A DETAILED FEE AGREEMENT 

Before hiring a lawyer make sure you 

sign a detailed fee agreement. This lets 

you put the case in full attention without 

having to worry about monetary details. It 

also helps you predict your finances. 

8 

LAWYERS CAN’T ALWAYS WIN 

Remember, lawyers can’t do 

everything. There are some things that are 

in fact impossible. If your lawyer expresses 

that there is no way he or she will lose, 

don’t trust that. Don’t trust a lawyer 

that says they will always win: nothing is 

guaranteed within the law. 

9 

WORKER’S COMPENSATION CLAIM 

Make sure you research in advance 

before filing a Worker’s Compensation Claim. 

Every state has laws differing in regard to 

your claim. What’s more, compensation for 

worker’s is apart from other court claims. 

These cases have various guidelines and are 

different from other cases. 

PREPARATION IS KEY 

When planning to meet with your 

lawyer, preparation is key as always. 

Their rate is hourly, and when looking 

for paperwork or having them wait they 

are still getting paid. Coming to meetings 

prepared will both save you money and 

get through issues faster. 


USE THE INTERNET 

Use the Internet to research different 

lawyers. Every business these days has a 

website of some sort. Take a look at the firm’s 

website, keeping an eye out for professionalism 

and experience. You don’t want to settle for an 

amateurish group of lawyers. 

RESEARCH YOUR 

LEGAL PROBLEMS 

Before you seek a lawyer, do your diligence 

and research your legal problems. Clearly 

understand your own issue, and engage 

an effective lawyer. Without doing so, you 

won’t know where you stand. You’ll find a 

good lawyer much more easily. 

SEEK A SECOND OPINION 

Seek a second opinion if you’re 

hesitant regarding your lawyers work. You 

may not want to get another lawyer, since 

that could be expensive but a second 

opinion will always help. 

REFERRALS FROM FRIENDS 

Referrals from friends or relatives 

are great ways to find reliable lawyers. In 

fact, it may be the best way. 

84 


YOUR LAWYER IS BUSY 

Do remember that your lawyer is busy. Despite the critical nature of your legal case 

for you, your lawyer is probably dealing with multiple high priority tasks. Other clients have 

urgent cases as well. Don’t hound them, since your case may not be treated as high priority. 

MEET WITH SEVERAL LAWYERS 

Even if the first lawyer seems like 

a solid choice, always meet with several 

potential lawyers. Legal issues take time 

so you need to be comfortable with your 

choice. The choices you make in the 

beginning can be the entire difference. 

IS YOUR LAWYER ORGANIZED? 

Take a look at the office in 

which your lawyer does his work. Take 

note of organization, from bookshelves 

to paperwork to even clutter on the 

floor. It sounds nit-picky but it’s very 

important. Lawyers charge you for time 

locating paperwork, so a disorganized 

lawyer isn’t likely a good choice for you. 

Finding a great lawyer is not a quick process, 

but doing some research and the right 

investigating will land you both the right 

attorney, and also the best chance to win. 


86 



88 


14 TERRIFIC TIPS FOR SUCCESSFUL 

SOCIAL MEDIA MARKETING 

by 


Follow Us: 

With these 14 awesome tips, you’ll be well on your way to having success with 

social media in your business’s marketing campaign. 

If you want to advertise any 

business online, particularly 

yours, social media marketing is 

the tool that you must use. Most 

business owners, aren’t sure 

how to keep their campaigns going, how they 

need to target their audience, or how they can 

better use their marketing budget. Continue 

on for some good social media marketing 

advice that will help enhance your skills. 


At some point or another, all of us who went to college were feeling a bit lost. In preparation for your 

freshman year, here are 17 tips. 

 


1 

NEW BLOG ENTRIES 

Create new blog entries regularly 

and constantly. This will help your readers 

to become excited when they read your 

page. This is also the truth when people 

subscribe to other publications. Therefore, 

stay consistent to make sure visitors return. 

2 

UPDATE YOUR BLOG 

Make sure any blog you keep is 

up to date, and contains useful and 

relevant information. Update your blog 

with information about promotions or 

sales your company has coming up. 

Also use it to post any news about your 

business including closings, location and 

changes to the hours - don’t forget to add 

them to your blog. 

3 

SOCIAL MEDIA REFERRAL 

When you start up a social media 

profile, let your existing customers know 

that you have done this. When they sign 

up to follow your page, social sites will 

inform their other connections. This is 

great for you because it’s advertising that 

you don’t need to pay for. It is valuable 

because it is a referral. 

90 


4 

ADD IN LINKS 

You need to tie all of your social 

media sites together using links in order to 

have the most successful campaign. Insert 

links onto your blog so that readers have 

the option of following you through Twitter, 

Facebook, or YouTube. When setting up 

your profile on Twitter, make sure to put 

in the website addresses for your Facebook 

page and blog. Your customer base 

potential increases when you add in links 

to all of your social media accounts. 

5 

PROMOTE YOUR BUSINESS 

THROUGH GAMES 

Gain exposure by promoting your 

business through games on Facebook. 

Try to come up with an idea for creating 

a game that is associated with your 

business, product, or service. Some of 

these Facebook games featuring wellknown 

brands have even gone viral. Think 

about having a professional designer 

create a game for your business. 

6 

VIDEO POSTS 

Video posts on YouTube and other 

social networks need to have excellent 

titles for a number of reasons. Your 

titles should contain keywords relevant 

to your products and industry. The more 

descriptive your titles are, the easier a 

viewer will be able to locate them using 

their search terms. 

7 

RESPOND TO MESSAGES 

Try your best to respond to all of 

the messages and comments you receive 

throughout the day. No matter what type 

of comment it is, you’ll want to stop in 

and leave a reply. If your followers know 

you care about what they say, it will be 

easier to win their trust. You never want 

your customers to feel as if they’re being 

ignored, so it’s important that you respond 

to people promptly. 


8 

ENGAGE WITH CUSTOMERS 

One of the fundamental rules of 

social media marketing is that you need 

to engage with your customers. Pay 

attention to what customers say, they are 

probably not the only ones who think it. 

Make changes if it seems like the majority 

of your customers, followers or users are 

requesting a specific alteration. 

9 

RESEARCH THE TOPIC 

Research the topic of social 

networking. Maybe you have a Facebook 

page already, but bear in mind that 

professional uses differ from personal ones. 

If you have trouble, talk to professionals or 

use advice from the Internet. 

QUESTION & ANSWER SESSIONS 

Use social media to host a question 

& answer session with your followers. This 

is also a prime opportunity to educate 

prospective clientele about what you have 

available. Social media websites let you 

interact on a personal level which is good 

for your business. 

TWITTER MANAGEMENT 

SERVICES 

You should take advantage of the different 

services out there that will help you 

manage, and stay on top of your Twitter 

account. The actual features of these 

services vary, but the majority of them 

will automatically manage following and 

unfollowing individuals for you. Using a 

service like this will help you to manage 

your followers and find new people to add. 

RUN GIVEAWAYS 

There are many Facebook apps 

which make running a giveaway simple and 

affordable. Buyers love to think they are 

getting something for nothing. One way to 

generate this feeling among your visitors 

and raise a little hype is to run contests. 

Contests draw an audience that is eager to 

learn as much as they can on your latest 

products and offerings because they are 

hopeful they will win. 

92 


ONLINE CONTESTS 

OR SWEEPSTAKES 

Hold an online contest or sweepstakes 

with appealing prizes and use social media 

to let people know about it. People love 

to get something for free, and are happy 

to enter a contest if they have a chance 

to win something good. Make the results 

public to enhance your reputation and 

generate additional awareness. 

OPEN UP THE 

COMMENT SECTION 

People should feel welcome to post 

comments in response to your blog 

entries. Especially if you don’t give 

out email addresses or other contact 

information. Open up the section of your 

blog that lets readers post comments, but 

do keep an eye on what is being posted. 

Delete spam ads or seriously offensive 

comments that can clutter your site. 

The preceding paragraphs presented 

a number of sound strategies to apply 

towards better results in your companies 

social media marketing campaign. Keep in 

mind that this method of marketing can 

speak to your customers, cultivate new 

customers from anywhere in the world and 

get the message out about your business 

in a very effective and economical way. 


94 



96 


8 FINANCIAL HABITS YOU COULD BE 

PASSING TO YOUR KIDS 

by David 

Baker 

Follow Us: 

Whether you realize it or not, the habits you carry in your financial life will 

have a huge effect on your children, positive or negative. 

Sometimes you may be 

thinking that your kids never 

listen to you. The truth, which 

can be good and bad, is that 

your kids are always watching. 

When it comes to attitudes and habits, 

your children quickly take on whatever you 

demonstrate. So when it comes to money, 

are you showing them habits that are 

helpful or harmful for their financial future? 

The years during which your children will 

solidify traits and quirks will seemingly 

fly by. This includes how they will react 

towards certain financial challenges 

they will encounter in life. In order to 

have the greatest positive influence 

on what these reactions will be, it’s 

up to you to set the right precedent. 

People commonly rely on their past 

experience when faced with financial 

uncertainty. The same goes for your 

children: they will draw upon what they 

know. If you can set the right example, they 

will make better choices. If you haven’t 

realized your inadvertent teachings to 

your kids, here are some habits you could 

be passing on. 


Back in the day, all-inclusive trips meant bad entertainment and cheap food. But those days are long gone. 

Here’s why. 

 


1 

UNWISE CREDIT CARD USE 

One of the worst financial habits 

to develop is bad credit card use. Sure, 

credit cards can be a fast and easy way 

to get yourself out of financial trouble 

in the moment. But using credit to buy 

unnecessary stuff will only cause long 

term stress and possibly even bankruptcy. 

2 

IMPULSE PURCHASES 

Children already have problems 

with self-control. If you exhibit a lack of 

financial control, impulse issues will be 

even more of a concern for them in the 

future. Show them that purchases should 

be decided on before heading to the store. 

3 

BUDGET DEVIATION 

Another example of financial selfcontrol 

is sticking to your budget. Make 

sure your kids know that a budget is in 

place and certain things can’t be bought 

because they go against the budget. 

4 

LACK OF NEEDS AND 

WANTS DISTINCTION 

Needs need to be taken care of first. 

Kids often find it difficult to make 

the distinction between needs and 

wants - another symptom of lacking 

discipline - and want to consider the 

wants before critical things. Avoid 

showing this bad habit to your children. 

98 


Not all habits are bad. Here are some 

positive financial habits that if shown to 

your kids will set a great example for them. 

5 

CONSISTENT SAVINGS 

Out of every paycheck, put emphasis 

on saving money. Encouraging your child 

to do the same with money they get as a 

gift or earned is a good start. Think about 

how much you’d have saved today if you 

put away 15% from every check since 

you began your job. An efficient solution 

to several financial problems is having a 

healthy savings account. 

6 

TIMELY BILL PAYMENT 

Whether you know it or not, your 

children see those bills that say “past 

due”. If you’ve got bill collectors calling all 

the time, they notice that, too. Set a good 

example for your child and pay those bills 

on time, avoiding late fees. 

7 

MAKING SACRIFICES 

Progress requires sacrifice. Tell your kids that saving for retirement or their 

college is more important than buying that new car. Teaching them positive and negative 

financial consequences will go a long way. Allow them the option of making a small 

purchase and the expense of something else. 

8 

ENJOYING THE REWARDS 

Sacrificing is important, but no one wants to do it all the time. The 

whole point is to take advantage of being responsible and making the right 

choice. Show your kids that the result of saving money regularly is a new 

TV or even a vacation. You want them to see the results of positive habits. 

So now that you’ve read this article, are you exhibiting good or poor financial habits to 

your children? Remember, your influence over your kid’s future choices is considerable. 

They will most likely act as they have been shown, so make sure you’re showing them 

the right way to do things. 


100 



102 


4 TIPS FOR BUILDING 

BENEFICIAL FINANCIAL HABITS 

by 


Follow Us: 

Building new financial habits that will actually make a difference in your life 

isn’t easy. But these tips will guide you along the path to improvement. 

One of the tenets of effective 

life change is prioritizing. 

Time, money, and energy are 

resources that are limited 

to us all. In order to have 

the biggest impact on your money, you 

need to focus your time and energy 

on creating effective financial habits. 

Think of it as a form of personal 

development, or self-improvement. 

Not only will re-focusing your time and 

energy allow you to create better habits 

financially, you’ll notice improvement 

in other areas of your life as well. You’ll 

wake up feeling like a better person. 

Here are some questions to ask regarding 

where you should start your focus. From 

where you can make the biggest impactful 

change to putting the habits in place, you’ll 

find these tips to be highly useful. 


Even from an early age, your children can greatly benefit from being taught early lessons relating to 

money management. 

 


1 

YOUR BIGGEST 

FINANCIAL CHALLENGE 

What keeps you up late at night as far 

as your finances? In your financial life, 

where do you feel the most pain? It could 

be lack of savings or emergency fund, or 

not enough income every month. It could 

even be a poor future for retirement. 

Addressing the single biggest stress in 

your life financially can be the best place 

to begin. 

2 

THE BIGGEST IMPACT 

Considering impact, which new habit 

will bring about the most change? Many 

people are aware of the need to work on 

their savings, but it doesn’t underline the 

adoption of the habit. Think about how 

any new habit will affect your life. Start by 

making a list of potential habits related to 

your finances that you can start building. 

Your list should be prioritized by most 

likely outcome and ditch the bottom 80%. 

104 


Taking a look at what remains, think about 

the impact of these possibilities both short 

term and long term. You definitely should 

ask yourself how the habit will affect things 

25 years down the road. Now choose the 

most sensible habit. If it’s a tough decision 

between two, pick the one that would be 

easier to implement. You can always pick 

up the other habits at a different time: 

that’s the power of momentum. 

3 

SEEK TO BE AVERAGE 

The worst aspects of your finances 

are what is the cause of your stress. So 

before you go off trying to be an over 

achiever, make sure your finances are 

at an average level across the board. 

Eliminate consumer debt, save 10% of 

your income at least, have an emergency 

fund and adequate insurance, and put 

saving for retirement before that vacation 

home or swimming pool. If the habit you 

chose to implement doesn’t address 

any fundamental finance issue, consider 

whether or not it’s in your best interest. 

Overall, on a 1 to 10 scale you want each 

financial area brought up to a 5 before 

moving on. 

4 

PUTTING THE HABITS IN PLACE 

You need to ask yourself whether you have what it takes to put the habit in place. If you 

don’t have everything you need, consider whether you can start small. Imagine if the habit 

was to run 10 miles a day. If you’re a couch potato and 75 pounds overweight, you definitely 

would have to start small. Some financial habits need a significant level of knowledge or 

may be out of your reach in terms of the starting point. With your current resources and 

level of expertise, determine the habit’s possibility. Another goal may be better for you. 

There are only so many hours in a day, and only so many that can be applied to building 

a good financial habit. Time is a limiting factor for all of us, so make sure you’re using 

it wisely and efficaciously. Sometimes, the best habits to make aren’t very appealing. 

Enhance your finances, and focus on the positive habits. 


106 



108 


17 MUST-KNOW 

TIPS FOR A COLLEGE 

FRESHMAN 

by David 

Baker 

Follow Us: 

At some point or another, all of us who went to college were feeling a bit lost. 

In preparation for your freshman year, here are 17 tips. 

Going to college for the 

first time can be a scary 

time for anyone. Chances 

are, it’ll be quite different 

from the schooling 

you’ve been used to. There will be 

a lot more things for you to handle 

on your own, that you didn’t have 

to worry about before. And many of 

these things, if not taken care of, can 

negatively affect your performance. 

You may not think it now, but your 

sanity will be something held very dear 

in college. Having peace of mind will 

allow you to really enjoy what ends up 

being a crazy fast four years. You’ll see 

what I mean soon enough, but here 

are some tips to help you get started. 

These tips are absolutely imperative for 

any college freshman. From applying 

to financial aid early and making sure 

you know how you’re going to handle 

acquiring toiletries, everything on this 

list is important. Trust me: it will pay off 

hugely and you’ll know it before even 

making it to hindsight. 


With these 14 awesome tips, you’ll be well on your way to having success with social media in your business’s 

marketing campaign. 

 


1 

APPLY FOR FINANCIAL AID ASAP 

You should apply for loans and grants 

as soon as you can. The more time you 

devote to securing funding for college, the 

less money you will need to borrow. Develop 

an organized approach to all the different 

financial resources you want to tap. 

2 

THE RIGHT SCHOOL FOR YOU 

It’s crucial that you select a school 

you believe is right for you. Find a way 

to finance your education once you have 

selected a school. Don’t let financing 

concerns keep you from getting everything 

you can from college. There are many 

different ways to get the money for 

college, so choose one that suits you. 

3 

PICK INTERESTING CLASSES 

Pick some classes that appeal to your 

interests and not just ones that are an easy 

way to make a good grade. Branching out 

this way can lead you to paths you might 

not have considered before. You’ll gain a 

lot more out of a harder class and they are 

often more beneficial for your future. 

4 

START BEGINNING CLASSES IN MAJORS 

If you don’t know which of a few majors 

you want to go with, start each of the beginning 

classes in those majors. You will get a feel for 

each major and be better able to determine 

which is right for you. This strategy will also 

help you to earn enough concentrated credits 

to claim a minor when you graduate. 

110 


5 

ORGANIZE ESSENTIAL MATERIALS 

Organize all of the essential 

materials for college before you begin. It 

makes more sense to arrive well-equipped 

rather than having to ask Mom and Dad 

for items each week. This is particularly 

true if you’re far away from them. 

6 

BRING TOILETRY ITEMS 

When you attend college, be sure to 

bring plenty of toiletry items. These are 

important. You don’t want to move into 

your dorm and then find you don’t have 

any toilet paper! Shop around for good 

deals by buying in bulk from outlet stores 

when possible. 

7 

SET REALISTIC GOALS 

Make sure you’re not setting goals 

that aren’t realistic for you. If mornings 

are not your best time of day, starting a 

day with an early challenging class is just 

begging for trouble. Working around your 

own bodies schedule can help you to 

ultimately succeed. 

8 

EAT HEALTHY FOODS 

Remember that you have to eat 

healthy foods. Have you ever heard of “The 

Freshman 15”? Well, it’s no joke. Follow a 

healthy, well-rounded diet plan. Stay away 

from processed foods and fast foods. Not 

only is it expensive, those extra pounds 

can be hard to lose. 

9 

TAKE CARE OF YOURSELF 

You’re not home with someone that 

will clean or cook for you. It’s important 

that you monitor what you eat, keep 

your place clean, and get enough sleep. 

Set your schedule based on your classes, 

and include time for studying and having 

fun also. A stressful lifestyle and poor 

nutrition can lead to illness. 


STUDY WHERE YOU CAN FOCUS 

Only study where you can really 

focus on the materials. Your dorm room 

is rarely a great place to study. Find a 

place to study that is quiet. Study areas 

in the libraries exist for this very reason. 

When you cannot find a suitable place 

to study, you can also use special noisecancelling 

headphones. 

TIME TO WORK HARDER 

Don’t rely on your high school 

reputation. College gives you a clean slate 

as you leave your high school days behind. 

The harder you work, the more successful 

you’ll be. 

REVISE YOUR PAPERS 

Don’t simply turn in the first 

draft of your paper. Give yourself the 

time needed to revise it. Create another 

draft of your paper rather than only 

proofreading it. You should edit the 

second paper and then make changes. By 

doing so, you can be sure that everything 

of importance is in your paper. 

DON’T TAKE HARD CLASSES TOGETHER 

Don’t take too many hard classes at one time. If you do, you’ll get lower grades. 

Try scheduling three easier classes along with a couple of hard ones. 

FIND A JOB IN THE CAREER OFFICE 

Go to the career office of your college if you want a job. You should be able to 

find jobs on campus and get some help with finding a good job once you graduate. The 

opportunities are there if you look for them. 

112 


TRY PLAYING A SPORT 

Are you interested in playing sports while in college? Speak to your coach at 

the college. They will never know unless you tell them. You may even end up with an 

unexpected athletic scholarship. 

WAIT ON STUDENT GOVERNMENT 

While it may be tempting to join a student government group early on, wait until 

your second year. You will get more respect once you have been in school for a year. 

You can also use that year to come up with your angle or know which positions would fit 

you well (or just be easy to win). 

YOU CAN GO ABROAD WITH KIDS 

It is possible to go abroad with 

kids! Most students with children think 

that study abroad programs are out of the 

question. Have a conversation with the 

study abroad coordinator of your school. 

While some programs would be tough 

to complete with children in tow, others 

are indeed able to accept entire families. 

Yes, college is challenging, but the best 

things always are. Don’t let this deter you 

from taking the next step and enrolling in 

courses. Utilize the tips provided to you 

above, as well as advice from your family 

and friends. Although it takes hard work 

and dedication, remaining committed and 

getting through to graduation is definitely 

worth doing. 


114 



116 


TUNE IN 

FOR OUR 

NEXT 

ISSUE! 

• 3 WAYS FOR MARRIED COUPLES TO 

SAVE MONEY BIG TIME 

• 5 NATURAL WAYS TO GET RID OF ACNE 

• 5 TIPS FOR SEDUCING ANY WOMAN 

YOU WISH 

• 6 PROS AND CONS OF DRINKING BEER 

• 6 TIPS FOR EXPERIENCING NEW YORK 

CITY ON A BUDGET 

• 5 TIPS FOR CHOOSING THE BEST 

CREDIT CARD 

• 5 WAYS TO LAND A JOB IN THE 

GAMING INDUSTRY 

Follow Us: 

The September edition of 

Wise Man Daily Magazine 

will be available this fall!

Wise Man Daily - August 2017

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?