Do You Want Credit Card Not Based On Credit Score?

Credit Card industry is going through changes. Those who have good credit have no problem getting cards. But what about those who have a poor credit history or just getting started?

Credit Card Pays You To Refer

There is help for them as there is credit card services are emerging. These services will identify candidates that would-be credit card holders even if they do not have good credit history. The acceptance is determined by the applicant’s actions rather than just their credit score.

Credit Card Pays You To Refer

The innovative but realistic approach of qualifying applicant based on the digital record it builds for its users. Rather than just looking at borrowing history, it looks at how much that user makes, spends or saves each month, and looks to offer them more differentiated products like lower interest rates on introductory products. The main goal here is to get people who should be able to responsibly manage a credit card based on their spending history.

Credit Card Pays You To Refer

It is heartening to note that finally credit card industry is taking steps in identifying potential customers without a credit history. It reflects that the credit score might not be the best indicator. The new approach is designed to identify potential applicants with their technology and thus eventually build up their big user base.

Credit Card Pays You To Refer

How To Spend Smarter?

Would you like to have money?

The obvious answer is YES. The real solution is to make more money than you spend. Interestingly, no matter how much you make, you will find ways to spend. That is where the problem is- you need to spend smarter.

It is best to address money issues quicker. Money is the number one cause of stress in the United States. Not surprisingly, money is the top reason for divorce. But money issues can be resolved, because most people make dumb money mistakes.

Dan Ariely, a professor of behavioral economics at Duke University, has a new book out that explains some of the problems we’re prone to when it comes to moolah and what we can do about them. The book is Dollars and Sense: How We Misthink Money and How to Spend Smarter. Few highlights are listed here.

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On Sale Signs Are The Devil

Simply do not pay attentions to “On Sale” signs. Most stores (online stores included) have high-markup price for each merchandise to begin with; so, when the merchandise is marked down, you are not necessarily getting a bargain. The marketing strategy of “on sale” is designed to simply dumb down your decision-making process. When an item is “on sale,” you are likely to act more quickly. Beware of comparisons with bonuses and specials.
So, focus ought to be on what the thing costs not how big a discount you are getting.

Extra Money Is Not Bonus

It is very common for you to get extra money by doing overtime at your work, getting bonus at work, or from winnings from casino, etc. You are likely to spend that money on unwanted stuff because that money is different. NO WAY, money is money.

People are likely to spend something like their salary on “responsible” things like paying bills, because it feels like “serious money.” On the other hand, money that feels fun—like $300 million in casino winnings—is likely to be spent on fun things, like more gambling.
Surprisingly, many people treat a tax refund as a “bonus” that they can have fun with. In reality, tax is not a “bonus” money, but it was your money to begin with. The government had taken an interest-free loan from you when you got your paycheck.

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This attitude is termed as “emotional accounting.” Rationally, a dollar is a dollar. But as rationality-challenged humans, we feel the source of the money affects how we should use it. Really?

Paying Cash Curtails Spending

Paying cash really hurts because it creates true awareness of spending within your thinking process. Believe it or not, marketing folks have figured out to reduce your pain, by letting you use credit cards. Through studies, marketing folks know that people are not only more willing to pay when they use credit cards, but they make larger purchases, leave larger tips, are more likely to underestimate or forget how much they spent, and make spending decisions more quickly.

All in all, your purchasing is made painless process. The credit cards, gift cards, casino chips and nearly all online shopping is a financial opiate and dramatically reduces the pain that keeps your bank account flush.

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So whenever possible, use cash. You may feel the pain, but you will not be stressed later.

Here’s the easy way to save money as stated in the book:

  • “On Sale” signs are the devil: “Relative comparisons” mess with your head. Focus on the end price, not how good a “deal” it is.
  • It’s not a “bonus.” Money is money: How you got the cash should not affect how you spend it. Saying that “bonus” money doesn’t count feels good but being broke feels very bad.
  • Use cash more often: Make spending painful and you’ll spend less. (Using cash is simpler than having a friend punch you in the face whenever you whip out your credit card.)
  • “Fair” is a four-letter word: Focus on value. The plight of moral justice in the economic universe can wait until after the electrician gets your lights back on.
  • Try a “Ulysses Contract”: Send me the deed to your house. If you don’t have more money in your savings account two months from now, I keep the deed. See? Saving is easy.
  • Drop Anchor: The only way to not be influenced by prices is to influence yourself ahead of time with other prices.

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You are limited when it comes to earning more money, but surely you are bombarded with many ways to not only spend what you earn now, but against your future earnings by means of debt to the credit card companies. Learn to monitor your money today, so you will not be ruined by the credit card companies.


It Is Clock- Not Calories -When It Comes To Diet



Talk about confusion when it comes to diet plan. The diet plans are all over when it comes to managing your weight. Is it dependent on how much calories you intake? Is dependent on shape of you body? Is it dependent on your ethnicity? Are you confused?

Now you need one more factor- calories do not matter but it is timing cycle that counts.
That’s the concept behind time-restricted feeding diet, or TRF diet, a strategy increasingly being studied by researchers as a tool for weight-loss, diabetes prevention and even longevity.

Get Healthy With The 2-Week Diet

Satchidananda Panda, a professor at Salk Institute for Biological Studies in San Diego, first tracked the effects of time-restricted feeding in mice. In 2015, he expanded his studies to include humans.

The findings, published in the journal Cell Metabolism, showed that when eight overweight people who naturally ate for 15-plus hours a day restricted their eating to a 10-hour window for 16 weeks, they lost 4% of their weight. A year later, they reported sticking to the plan, even though they didn’t have to, and had kept the weight off.

Get Healthy With The 2-Week Diet

In TRF diet, you can eat whatever you want and as much as you want—just not whenever you want. Daily food intake should be limited to a 12-hour window, and ideally cut down to eight to 10 hours. But you can pick the hours you want to eat.

Despite a lack of dietary restrictions, people following TRF diet end up consuming fewer calories and lose weight, according to studies and experts. Preliminary evidence also shows other health benefits of fasting for 12 hours or more, including lower blood pressure and improved glucose levels, and physiological changes linked to slowing the aging process.

Get Healthy With The 2-Week Diet

Dr. Panda is working on a new, larger clinical TRF trial of 150 firefighters. Funded by the U.S. Department of Homeland Security, the study is a collaboration with Pam Taub, a cardiologist and associate professor of medicine at the University of California San Diego Health System. Dr. Taub is also conducting a separate study in which UCSD patients with metabolic syndrome restrict eating to 10 hours a day. Preliminary data show weight loss and improved fasting glucose levels.

TRF diet is basically form of intermittent fasting. TRF diet focuses on when to eat rather than what to eat. Limiting the hours, you eat each day may help you consume fewer calories. It may also provide health benefits, including weight loss and improved heart health and blood sugar levels.

Get Healthy With The 2-Week Diet

An example of time-restricted eating is if you choose to eat all your food for the day in an 8-hour period, such as from 10 a.m. to 6 p.m. The remaining 16 hours each day are the fasting period, during which no calories are consumed. This same schedule would be repeated every day.

Most people eat from the time they wake up until the time they go to bed. Switching to TRF diet may cause you to eat less. However, it is possible some people may eat more in short duration of TRF diet. However, one study found that when healthy adult men limited their eating to about a 10-hour window, it reduced the number of calories they ate each day by about 20%.

Get Healthy With The 2-Week Diet

Salad A Day Keeps Memories Alive

Are you fearing Alzheimer’s disease?

You are not alone. Many people have turned to fish oil or vitamin B12, so they are victim of dementia. But solution to keep your memory alive may be as simple as eating salad every day.

Nutritional epidemiologist Martha Clare Morris and her team at Rush University Medical Center in Chicago found that people who ate one to two servings of leafy green vegetables each day experienced fewer memory problems and cognitive decline compared to people who rarely ate spinach. She states that veggie lovers who included about 1.3 servings a day into their diets had brains that were roughly 11 years younger compared to those who consumed the least amount of foods like spinach or kale.

The study included 960 people, all between 58 and 99 years old and all without dementia. Everyone enrolled in the study was part of the Memory and Aging Project, which has been ongoing since 1979 at the Knight Alzheimer’s Disease Research Center at Washington University. Scientists followed up with participants for 10 years and discovered that the rate of decline for those who ate the most was the equivalent to being 11 years younger in terms of brain age. The study was published Wednesday in the journal Neurology.

According to Morris, it’s not just leafy greens that could potentially keep our memories alive, but the nutrients found in these vegetables that may be responsible for the brain boosting benefits.

As good as it sounds, it is to be noted that this study was observational, thus the data provide no concrete evidence of a causal relationship between spinach and brain health.
But you can’t go wrong by adding salad your daily eating routine. It may just help keep your memories activated while you are alive.

Now Lifestyle Review-Staying Healthy While Becoming Wealthy


It is a good practice to check out any online program before joining instead of just relying on the marketing information the program may provide.

The objective here is simple.  It is to provide the overall concept of the NOW Lifestyle business. It is up to you to decide to join the program or not, but attempt is made here to give you the overall concept that the NOW Lifestyle guys are following. It is simply NOW Lifestyle review.

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(DISCLOSURE: I am NOT an affiliate with NOW Lifestyle and as such NOW Lifestyle review is all based off my research.)

Now Lifestyle- What Is It All About?

Interestingly, it addresses an important concern that everyone can relate to.  That is health. Thus, Now Lifestyle is making a trending topic online.  Now Lifestyle slogan really says it all- “Make your life healthy and wallet wealthy.”

NOW Lifestyle is a multi-level marketing company that focuses on health and wellness industry. Now Lifestyle products include exercise challenges, weight loss and home workout program with nutritional supplements.

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Joel Therien is the man behind this health and wellness company. He also serves as the CEO and President of Now Lifestyle. His past accomplishments have been 7-minute workout, Pure Leverage GVO and Got Backup just to name a few.

NOW Lifestyle offers great opportunities and earnings to people who want to become a member of it.

NOW Lifestyle Products

Currently 4 different products are being offered.

Health and Wellness Package

A completely customized nutrition and exercise package unique to each of your 5 family members.

Body Boss Home Workout System

This highly versatile and portable exercise system will give everyone a great resistance workout from home.

Professional Auto Responder System

Powerful marketing system to Save Time and money with your sales and lead generation

Massive Traffic Co Op

Enable promoters to Collect healthy commissions on all Traffic and Lead Co Ops.

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Now Lifestyle Business Opportunity

Now Lifestyle uses network marketing concept, that is when you sponsor a person into the business you get paid on the product pack they purchase. That means your success is based on number of members you can recruit.

NOW Lifestyle Compensation Plan

The NOW Lifestyle compensation plan is as follows:

Membership Commission Payout – members can earn 50% commissions on all direct sales

Matching Bonus Payout – 50% matching bonus on earning from direct referrals.

Residual Commission Payout – Residual commissions are paid out through a binary compensation plan structure.

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(For detailed compensation plan, checkout Now Lifestyle website)

Cost To Join NOW Lifestyle

There is only $49.95 cost to join Now Lifestyle and can be renewed annually.

NOW Lifestyle is network marketing or business opportunity. Reportedly a lot of people are doing very well with it. It has good products that addresses the concerns of all people. In fairness, isn’t it good idea that everyone ought to be healthy? It is very essential concept thus good foundation for the company.

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But a potential problem lies with the people trying to promote their NOW Lifestyle business.  Most are relying on friends and family trying to sell the products.  To succeed in network marketing, you need to have a powerful marketing system that reaches broad spectrum of clientele.

NOW Lifestyle Review Summary

Now you know the basics.  Now Lifestyle is addresses the major concern of people in all walks of life- how to stay healthy in busy life.

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Ultimately success or failure will depend on you. You will have to learn about doing business the right way and how to have your Now Lifestyle business prosper.

Best Easy Work Review – Real Business or Big Scam?



There has been some buzz about this company lately.  Chances are you are looking to pursue business opportunity, thus you landed on this blog post to learn more.

That is exactly what you will get here- information about the company, products and compensation plan so you are able to decide to join or not.

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The Company

According to research, Best Easy Work (BEW) is owned by Martin Ruiz from “Deltona, Florida”.  The domain “besteasywork.com” was registered on July 8, 2016.  It appears the owner previously promoted cash gifting business opportunity.

The Products

BEW has no retail products or services to sell to customers, but affiliates can promote the actual BEW affiliate membership.

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Compensation Plan

BEW requires you to sign up and pay fees.  Commissions are paid when you sponsor other that also do the same…
Overall there are 10 tiers of options BEW affiliates can receive commissions on starting from $88 to $5000.  To earn commissions at any option level, you must buy in at that level.  The commissions range from $50 to $4000.  The commission follows unilevel compensation plan structure.

Cost To Join

BEW affiliate membership requires you buying in at 1 to 10 membership fee tiers.  In short, the cost is as little as $88 to $16564.  Good news is that there is also a free membership option however this only pays tier 1 commissions.

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Word of Caution

BEW website is just a big capture page with no details.  It is to be noted also that there are no products or services at the retail level.  That means simply you are getting paid to recruit affiliates.  BEW claims that the product is “FREE websites!”

Following appears on BEW website:
“Help Wanted!
Now anyone can succeed! Earn big giving away free websites!
Totally automated, nothing is easier!
Freedom is your choice! Easy $500+ days!”

In nutshell, you need to be warned that once recruitment slows down so does earning potential for you.

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If you have any questions, please leave them in the comments below

If you are struggling online and want to finally succeed with actual training, tools and mentorship to get you there…

Click Here and Watch This Video Right Now!

How Tax Season Can Increase Your Earnings?


Experiencing depressions is not fun. In earlier post, “Online Business Avoids Depressions Related To Job And Finances”, the focus was on having online business to generate revenue to supplement income to avoid financial shortfall.

However, it is not necessary to have “Online Business” per say, you can also provide your services as an independent contractor. Most likely, you will be asked to perform tasks for which you will be paid. The best part is that you can work from home or wherever you are.

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As the year is ending, most are busy in welcoming holiday season and ready to be immersed into the season. But that also means time for 2017 tax returns. The tax preparation services, such as Jackson Hewitt, H&R Block, Liberty, have many work from home opportunities to earn extra revenues to offset any debts incurred during the holiday season.

The tax preparation service jobs are related to supporting customers, employees and the company in various ways. No tax-filing experience is needed. You will need to be at least be high school graduate (or have GED). These are all full-time seasonal gigs that could last up to six months. Many big tax preparation services look for candidates from all 50 states at pay ranging from $10.50- $15 an hour.

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Here are some types of jobs that may be offered by tax-preparation services:

Individual Tax Preparer

Even today most people seek tax-preparation services to do their federal and state tax returns. That means tax-preparation services are looking for tax-preparers. You do not need any special requirements as long as you are able to be trained. The training is simple and if you are able follow instructions, you will be able to master it. Once you pass the training, you will be qualified to prepare individual tax returns. Check out the tax-preparation services for training availability.

Social Media Specialist

Remote social media specialist responds to customers on various platforms. You’ll need to have two years of customer service experience, especially in social media area. You will need communication skills, proficiency with Microsoft Office and other tech systems

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Escalations Specialist

Escalation specialist assists with customer complaints, service delivery failures and other issues. You’ll need to have customer service experience, preferably involving customer de-escalation. You will need to have the ability to remain professional and patient at all times.

Client Care Representative

Client Care Representative responds to customer concerns over the phone or via web chats. You’ll need to have call center experience with communication and data entry skills. Having Spanish speaking ability is a plus.

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Operations Support Representative

Operations Support Representative responds to hardware and networking troubleshooting issues from franchise and corporate employees, either over the phone or via web chats.
You’ll need to have at least one year of tech support contact center experience along with computer navigation and data entry skills

Real-Time Analyst

Real-time Analyst manages call center scheduling to make sure there is adequate staffing to respond to the expected volume of incoming calls. You’ll need to have experience in a multi-channel call center and in trend analysis.

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Here are few major tax-preparation services:

Jackson-Hewitt

H&R Block

Liberty Tax

Online Business Avoids Depressions Related To Jobs and Finances



Do you know what is scary? Experiencing depressions.

Believe it or not, it is very common occurrence. It is anticipated more than 20 million Americans can expect to suffer from depression year after year. It starts with feeling blues only to be developed into something more serious. There are many common depression triggers. But the two common depressions are triggered by personal financial situations. Do not let your financial situation drag you down. You can prevent them from dragging you down.

Loss of Job and Depression

Nothing is forever. The job you are holding is not likely to be a permanent feature of your life. But your job is your sense of identity. It gives you feelings of self-worth. So losing job will cause financial stress. But it is likely to trigger strain in your relationships compounding stress and unhappiness.

You are vulnerable if you are dependent on your job for your day to finances. As the age of automation is taking over many jobs, many workers are purged. Many are not getting younger, so the older you are you are likely to let go sooner or later. Starting over is not easy and in some cases it is impossible. You will likely to “reinvent” you by learning new skills.

What to do, you ask.

It is important to realize that no longer can you depend on “job” to provide you finances necessary to maintain your livelihood and/or lifestyle. It is essential that you engage in online business that is based on your skills or hobby. Even better, get involved and learn about online business opportunities.

The online business is not easy but you can start with practically no expenses and are able to earn on regular intervals quickly. You need to be warned that there are many scams out there, so note that there is no “secret” for quick riches.

Debt, Financial Stress, and Depression

It is not only loss of job that creates stress and depression. In many cases many folks have jobs but there is not enough money to pay necessary bills and/or expenses.

Worrying about how to pay the bills causes an ongoing “buzz” of stress that, over time, sabotages your mood and self-esteem and can lead to depression. Not knowing where to turn is scary, and feelings of shame and secrecy can compound the fear and anxiety.

There are many counselors out there who can help. It is most likely, they will insist on you cutting down expenses. In many situations, cutting down expenses is NOT an option. The strategy requires that you not add on any expenses and increase your earning.

Is it really possible to earn more, you ask.

Yes. But at the onset just don’t let yourself stay “stuck” in denial while panic builds under the surface. It is possible but it may not be easy. It is doable. You will not make millions right away. But you will start earning on regular basis if you are willing to put your sincere efforts.

To increase your earnings, you need to consider being in online business.

Checkout for more information related to online business:

Make Money By Being Affiliate To Membership Sites

How To Earn Bigly With Affiliate Marketing

Top 10 Need To Be In Online Business

Freedym Review- Freedom To Earn More Online

10 Ways To Earn Without Professional Skills

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Hungry For Hits Review- Effective, Innovative Traffic Exchange


Generating traffic to their link is one of the essential tasks for online business owners.  As a starter, you are likely to depend on traffic exchanges where you surf to earn credits and watch how your ads are performing.

There is no shortage of traffic exchanges online.  The problem with many of traffic exchanges are that their reach is very limited and are not effective in terms your time spent.  But few traffic exchanges are worth a great deal in generating leads.

Hungry for Hits is one of the INNOVATIVE and COOLEST traffic exchanges online.

Join Hungry For Hits Now!

Hungry For Hits (HFH) is a free traffic exchange which provides you with unlimited quality traffic! You also get a number of very useful tracking tools to help you track your progress. You can get started in minutes, even if you never used a traffic exchange before.  Hungry For Hits, operating from Stockholm, Sweden is the most professionally well run traffic exchange yet to be seen anywhere.

It must be pointed out that you will not get bored surfing at this site.  You are bombarded with rewards, credits and earn along the way even if you are FREE member.  It gets even better, if you upgrade your membership.

Hungry For Hits is top rated by its members & leading advertisers. It is also a social branding platform. Not only do you get unlimited, free traffic and several exclusive tools, you can also build your brand, connect with thousands of people from all over the world and even make friends!

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The credit for innovative Hungry for Hits goes to Klara Schmidtz.  Klara is one of the most professional and caring traffic exchange owners, caring for each and every member with fantastic support and chat.

Hungry for Hits is the place for you if you want website hits, views for your blog, if you do affiliate marketing or just want some great tracking and advertising tools. Sign up, add what you want to advertise and start enjoying the free traffic in just minutes from now!

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Here are few highlights that are important to you as online business marketer:

Tracking

It is known that HFH offers advertising.  It also offers extensive tracking tools and a site rotator service at no cost.

Targeted

HFH provided live and targeted traffic with real folks visiting your site.  As a matter of fact, you are able to talk to them on HFH chat.

Branding

The crucial element of marketing is not what you are promoting, but promoting you as a brand.  HFH owner emphasizes that concept totally.  HFH makes it possible to brand yourself and your business to increase your trust and recognition easily with tools and special features.

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Affiliate Program

HFH offers FREE affiliate program to help you earn a residual income and traffic.  HFH as an active site is likely to provide more sales to you.

Fun

HFH has totally taken boredom out of surfing.  HFH has social platform and multiple unique mini games to make surfing fun.

Hungry For Hits needs to be a major part of our Earn As You Learn training.  It is perfect for branding your site or products.

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Blog Success Story-The Penny Hoarder



There are so much hype stories how millionaires are made from online business. It is true that all stories may not be true. However, there are some true stories that prove that online ventures can be successful. True indeed, not an easy task but online can mean success- In some cases big one.

This story is about Alexis Grant who was employed by US News as a journalist. She was also involved her side venture. Alexis started a company helping businesses create amazing content to strategically grow their companies.

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Her company was so successful that it was purchased by Kyle Taylor. In 2011, Kyle hired Alexis Grant as he needed her help. He wanted her to write two blog posts for his site. Alexis agreed to send Kyle the blog posts at no cost. If Kyle liked the posts, then they were to work out financial agreement for the future.

Now that is history. Now they have built a company with a blog known as The Penny Hoarder, Now the company has 20 million in revenues with 80 people employed.
It is a success of company that started with a blog. Now it is powerful publication designed to help readers to put money in their pocket. The Penny Hoarder is organized and it’s scale-able editorial process has allowed them to publish up to 10 articles every day, plus custom content across their video and social media platforms. As the founder and CEO of The Penny Hoarder, Kyle Taylor and his team have grown the website into one of the largest personal finance websites in the world with 15 million-plus monthly readers. In 2016, the Inc. 5000 ranked The Penny Hoarder the 32nd fastest-growing private company and the No. 1 fastest-growing private media company in the United States.

The Penny Hoarder has pioneered a new kind of personal finance media with stories about real people and actionable money tips that make a true difference in our readers’ budgets.

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It is interesting to note that Kyle did not know anything about blogging. It was all determination and eventually building up confidence that eventually brought on success. It is all about content that people can benefit from. His mission was simple- putting money back in their readers’ pockets. The blog is not just about tools or apps but using the strategies the blog writers use it themselves.

Blogging can be successful only if you are able to reach your readers and eventually readers are able to gain from the content. If your blogs are for BENEFITS of your readers your blog will yield success.

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