If you're looking for a professional writer, you've come to the right place! My name is Lauren and I have a background in historical research and writing, but I have written on a variety of niches including business, health, self-help, and finance. My specialization is self-improvement, and I consider myself to be an expert when it comes to topics of this nature.
I have experience writing blog posts, articles, eBooks, and landing page content. Being someone who has a passion for research and writing, you can trust that you will receive quality results when working with me. Please view my contact information below to get in touch!
Why hire a writer
Good content can make the difference between a customer who buys and a customer who walks away. It makes the difference between a reader who subscribes and a reader who hits the back button and never returns to your website. It is the key to making sales and getting your message heard.
Investing in well-written content can bring you the traffic and income that you are looking for, and it can add credibility to your name and image. Writers like me can help you boost sales by delivering the kind of content that pulls your readers in close and keeps them coming back.
I offer writing services in the form of web articles, guest posts, blogging, web page content, eBooks, and newsletters. I specialize in self-improvement and spirituality, but I have experience in many other fields of writing and can deliver quality work on a variety of topics.
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Why Pet Insurance Isn't a Waste of Your Hard Earned Cash
Purchasing pet insurance may seem like a frivolous expense, but the reality is not having pet insurance can lead to a lot of heartache and "wallet-ache". Several years ago, my dog, Timmy, ate three feet of Christmas tinsel in the middle of the night (I still don't know how). We found him practically choking to death and had to rush him to the 24 hour emergency animal hospital, the only veterinary clinic open at 1:00 a.m.
After a few costly X-rays and exams, the veterinarian informed us that the tinsel wire was threatening to wrap itself around Timmy's intestines, potentially resulting in a painful and gruesome death. After several hours of attempting to get our dog to purge the three feet of sparkly red and green tinsel, the veterinarian concluded that he would need immediate surgery. Because it was an emergency and very early in the morning, we didn't have the option to shop around for cheaper rates at other clinics. We were stuck with whatever Animal Hospital wanted to charge.
At the end of many hours of waiting in the lobby for updates and eating at the Whataburger next door, we got the news that Timmy was safe and tinsel-free! Then came the depressing part - we were hit with a nearly $9,000 bill for the procedure, X-rays, and attempts to pump his stomach.
This may sound like a freak accident, but it happens all the time. Dogs, cats, and other household pets are constantly eating things they are not supposed to be eating and getting into trouble that ultimately costs pet owners millions of dollars every year in emergency procedures and surgeries.
Having pet insurance that covers operations and emergencies such as these can prevent you from having to choose between heart breaking and bank breaking options.
The sad alternative to most pet surgeries is putting the animal to "sleep". How many times have you heard someone say, "My dog had a tumor and I couldn't afford the surgery, so I had to put him down"? I've spent many years working with animals and pet owners, and believe me, it's extremely common for pet owners to euthanize their beloved animals because they just can't afford the medical bills.
The other alternative is to take credit, or take out a loan to cover the operation. This may not seem like a bad idea, but over time the interest rates, late fees, and penalties can double the cost of the procedure and bring more stress than relief. It's no wonder that most pet parents opt to put their pets to sleep!
Pet insurance, on average, costs between 30-80 dollars per month, which adds up to nearly $1000 per year. It seems like a lot of money, but when you consider what you are investing in, it's well worth it. Besides, It's easy to spend that much on your daily cup of coffee over the course of a year, so why not spend it on protecting and caring for your pet?
Of course, you could start an emergency fund for your pet and set aside $30-$80 per month for vet bills. That way you get to keep your money instead of giving it all to a pet insurance company. Right? Smart move, but what if the emergency occurs before you've had a chance to build up your savings? What if something else comes up, such as an auto accident or a personal medical emergency, that forces you to tap into your pet's savings? Unless you are extremely disciplined with money, it's better for you and your pet to take out a pet insurance policy.
The benefits of owning pet insurance aren't just limited to emergencies. Many pet insurance policies cover wellness exams and checkups, flea and heartworm prevention, and even the treatment of chronic illnesses. If your pet is in need of medication or supplements, the prescription is covered by the insurance company, making it one less out-of-pocket expense. All of these bills that you would normally pay without the help of your insurance company easily equal or surpass the cost of your total yearly pet insurance payments, and your pet is covered in the event of a tinsel, sock eating, or porcupine sniffing emergency.
With pet insurance, you save yourself money, stress, and most important, you can save the life of your furry best friend.
5 Great Apps for Newbie Investors
Investing isn't just for seasoned finance workers and wealthy businesspeople. It's an opportunity that everyone can share to make more money without working extra hours. Investments provide a return on your invested capital through interest, dividends, and stock increases (pay outs). This means the only thing you have to do is put money in, and you can get it all back and more when the time is right. Right? Wrong.
The thing about investing is it's a lot like gambling. Putting your money in doesn't guarantee you'll get more of it out. There's absolutely no guarantee of making a profit or even getting your full investment back. Unless you're putting your money in a secure bank account or CD, you run the risk of losing.
So, where can first time investors put their money, and how can they invest without feeling like they've just taken on a bet? There are a lot of answers to that, and it's mostly due to modern technology. Thanks to the many resources available online, it’s now easier than ever for people of all ages and backgrounds to invest and get educated on what they need to know before putting up their hard earned cash.
Apps win when it comes to most convenient resources. They're available wherever you can take your mobile device, and they can connect with other apps, keep you informed, and give you access to knowledge on the go.
Here are five of the best apps to help you get started with investing:
1. Yahoo Finance
If you know nothing about investing, trading, or the stock market, Yahoo Finance is a good place to start. If you're going to begin the lifelong journey of investing your money, it's a good idea to start getting educated on finance and keep track of trends, news, and learn some new concepts. New investment ideas and opportunities can open up once you have a little experience under your belt, so it's helpful to stay connected.
2. Learn: how to invest in stocks, by Rubicoin
Learn is an educational app that goes beyond keeping up with news and trends. It teaches new investors and self-study finance students the basics of the stock market and the meaning of frequently used terminology. The app teaches in small bites of information to help its learners retain knowledge and to keep them from getting overwhelmed by too many terms at once. It breaks down the lessons into books and then into chapters, and you have the option to read the information provided, or listen to an audio portion describing the written content.
3. Stock Wars
This app doesn’t deal with real money, but it allows you to practice investing and trading and gives you an idea of how it all works. It’s a game, but it's also a great way to learn without taking any real risks. It may also help you decide whether putting your money in the stock market is something you're actually interested in doing. You may conclude that the stock market is too risky and choose to invest in other ways such as purchasing bonds, precious metals, or real estate.
Acorns is frequently rated as the number one app for new investors. It's simple to use and completely automated. It works by rounding every expense you make to the next dollar and invests your spare change in the stock market. Acorns diversifies your portfolio and invests in small amounts, making it a lower risk method. Initially, you won’t see any major results, but over time you will begin to see your money compiling. The best part is that you can withdraw at any time free of charge.
Betterment is an automated investment app that guides your investments and helps you grow your portfolio. Primarily an online investment advisor, Betterment also provides diversified and 100% automated investment management to its users at a much lower price than offered by traditional personal finance advisors. The app provides a goal driven investing service, meaning investments are made based on an individual’s needs and goals. Client goals, such as education, housing, or retirement goals, are outlined through the app and used to shape investment strategies. Betterment is a great way to get started because of its guided resources, in addition to being affordable and convenient.
If you feel like you’re ready to get started with investing, check out these apps for news, education, and guidance. Learn about the basic principles and terminology before investing real money, and make sure to get a little bit of simulated practice! There are many other free and affordable resources out there to help you along the way, so don’t be afraid to explore and ask questions. Happy investing!