A shortlist you can copy and paste so you can work less, stress less, and relax more doing work you enjoy

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Photo by Sharon McCutcheon on Unsplash

When people ask me how I make a full-time living on the internet which allows me the freedom to live wherever I want and work whenever I want, there are certain responses I hear a lot.

“I wish I could do that but I don’t know how” or “I can’t think of a good business idea” And my favorite, “Isn’t making money on the internet all a scam!?”

From now on, if I hear any of this (and they’re genuinely interested) I’ll just send them to this very post.

When it comes to starting an online business to increase your income, whether that be a few extra hundred dollars per month to help with the bills or thousands per month to quit your job for good, finding a great idea is the least of your worries. …


I set myself a self-discipline challenge that produced some great results.

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Photo by Ali Yahya on Unsplash

I am honestly still amazed that something as simple as cutting out time-wasters in my life, over a very short time-frame, has had such a positive impact on me.

Since finishing the challenge, I’ve really “upped my game” and my productivity is still through the roof. Due to the success, I have experienced in this area, I’ve streamlined my operations and brought together all my positive, productive ideas, for maximum results.

Today, I want to get quite personal and share with you all the positive habits and ideas that I have implemented in my life in order to get more done. They aren’t as drastic as completely eliminating all time-wasters from your life, but they have been highly effective and I am loving the consequences. …


And what you can do to fix it.

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Photo by Artem Beliaikin on Unsplash

Let’s be honest. Not everyone knows how to handle their money responsibly. It’s not necessarily their fault. It may be that they weren’t shown the ropes while growing up and never had the chance to develop good financial habits. They engage in certain behaviors that let you know that they’re bad with money. Fortunately, for every problem, there’s a fix.

1. You don’t know how much money is in your checking/savings account

You might be bad with money if you don’t know how much money you have. While you don’t have to track your money down to the penny, you should have a good idea of how much money is in your bank account at any given moment. When you don’t know much money you actually have, you’re more likely to overspend. …


Discipline your method of investing by following a simple investing checklist

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Photo by Shipman Northcutt on Unsplash

I’ve invested in several angel funds before, and I’m looking at some different angel funds right now, and there’s a ton of funds to look at.

There’s an entire industry of investor manager consultants (Frank Russell Company, Cambridge Associates, etc.) dedicated to the task. I’ve been on both sides of the fence on this one, having managed institutional fixed income for years and having been on the investment committees of a few large foundations that chose managers.

While many of the principles carry through to selecting a commingled seed fund, the number one tool of all limited partners, i.e., starting searches by reviewing “top quartile” managers based on past investment returns, simply is unavailable in early-stage managers. …


Want to expand your mind? Focus on these sources

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Photo by Timothy Dykes on Unsplash

“Live as if you were to die tomorrow. Learn as if you were to live forever.” ~Gandhi

The day you stop learning is the day you start dying. The finish of schooling is just the end of the beginning of lifelong learning. At school, we learn mostly from textbooks and journal articles. After that, learning sources become so abundant or, to some, so limited we might get confused. At least, I did.

During my first days at work, I thought reading and watching the news was important, so my learning activities involve just that. I thought going back to school could help me learn more, so I did too. Taking evening classes was also an option, and I did. …


The five simple steps I implemented to wrestle out of the debt trap.

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Photo by Stephen Phillips - Hostreviews.co.uk on Unsplash

I was once a slave to the degree in which I was in debt and owed money due to my lifestyle choices. I was then a twenty-something graduate working as a middle-level employee with a multi-national firm with a very generous pay package.

I owned two latest model cars, frequently dining in fine restaurants and often buying things on impulse without even blinking an eye-lid, so to say. The principle of saving never crossed my mind then. My experience was a growing debt tragedy.

By the time I finished paying for something I bought on credit, the actual cost was much more than if I had purchased with cash. …


Especially if you’re not sure whether you’re an entrepreneur or not.

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Photo by Austin Distel on Unsplash

If you have aspirations to start a business, become your own boss, and take charge of your own financial future, there has never been a better time.

The internet has dramatically changed the business landscape forever and opened up a new world of unlimited opportunities available to us all.

Each year, more and more people are turning online to find solutions to their problems, buy goods, and seek out services, and it’s safe to say it is a constant upward trend with no end in sight. The best thing is, anyone can do it.

When I started my first online venture, I had zero business experience and no clue what I was doing, having never created anything online. …


The simple three habits that hold the key to success we can copy.

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Photo by Humphrey Muleba on Unsplash

When I speak of successful people, I usually mean very rich and wealthy people. For this article, I focused entirely on billionaires, because after all, they are pretty rich and wealthy.

What are some of the daily habits of successful people, or in this case, billionaires' habits?

Billionaires are known to take on incredible amounts of risk to reach their goals. A lot of them literally have unusual rags to riches story to be admired. They started with nothing and built an empire.

Well, not all of them started from the very bottom, and some of them had a massive amount of financial security through family behind them to back them up, but the fact is that a lot of them did. …


I’ll tell you why they do not matter so you can start your own business.

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Photo by Jason Strull on Unsplash

10 years ago, if you declared that you were going to attempt to make some money online, you’d be met with a strange look and an assumption that you were up to something (or that you’ve lost your marbles).

These days almost everyone dreams of owning an online business and the lifestyle of freedom that it can bring. It’s become (almost) mainstream — a pervasive goal.

And for a good reason — who wouldn’t want to make money online, quit their job, and have the freedom to live anywhere and do anything they want?

This is the life I’m blessed to be living right now, and I can safely say it’s everything it’s cracked up to be. But if so many people have this goal of living the laptop lifestyle of freedom, why is it that so few people actually act on their dream? …


Wheat is bad news for reasons that have nothing to do with gluten.

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Photo by Lucas Marconnet on Unsplash

The wheat we eat in our morning donut is unlike anything our ancestors ate. It has been crossbred and hybridized as a high-yielding dwarf variant. Wheat has been bred for mass production and altered for the expression of other desirable qualities.

So when discussing the different ways that wheat may be killing your charisma, I am talking about modern wheat. And yes, this includes the highly touted “whole grain.”

I also want to point out that many, but not all, of the problems associated with wheat, are caused by a protein called gluten. In addition to wheat, gluten is also found in barley, rye, oats, Spelt, Kamut, and triticale. …

About

Josef Cruz

I write about life experiences on travel, relationship, health, and a few unique ideas that come to mind.

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