3 Things That Have Changed My Life This Year

I just picked up some Pao de Mafra which is some really nice crusty bread from the local bakery.

I had some time to just sit and I wanted to share a couple of things that I have been doing for myself – and maybe they will help you too.

lisbon, portugal
My son and I walking around in Lisbon, Portugal.

First, I started creating a personal SOP. An SOP is a standard and procedures manual that is often used in corporate work. But I like the fluidity of adding to my personal life.

So in the morning, I run through a checklist/SOP and get those things done. It's a much better way to have a habit stick.

I've thought about the idea of doing these for other people – and it might work really well if you are feeling stuck.

If the idea resonates with you, contact me and we'll get your life working better.

Secondly, I have been walking in the morning. I like to get some of the beautiful Portugal sun in the mornings. I will turn on my STEPN app that pays me crypto.

So not only am I getting some exercise and clearing the mind for the day ahead, but I'm starting off by generating some cash.

Here's how I do that.

And thirdly, I've taken more of a focus on helping people create their own product. Having your own product or service is not difficult and creates passive income.

Do you have an idea for a product that has not been getting completed?
If so, let's talk.

Neo Money Card

Neo Financial, the coolest kid of the Canadian FinTech block has a new offering.

It's called the NEO Money Card, and unlike their credit card offering, it is not a credit card and does not require a credit check. And you still earn instant rewards at their growing arsenal of local rewards. (And if the merchant does not have a special deal with NEO, you will still earn a minimum of 1% cash back.

Plus, get a $25 instant cash bonus when you sign up!

My Thoughts on Neo Money

Personally, I like the card and the app. It is fun to use, and the notifications are awesome and gamified. You can with one click transfer rewards to your spendable account or a high-interest savings account with NEO.

Here are the main benefits of the NEO money prepaid card:

neo money card

I did a video on my top reasons why I use the NEO Card (which is the NEO Financial credit card offering.)

Some money savings tips for Canadians

Why should you choose a prepaid card over a credit card?

There are many reasons to choose a prepaid debit card over a credit card; for some people, it just makes more sense. You can still get the availability to buy online, and even earn rewards – but you are not using credit.

The top 5 reasons are:

Prepaid debit cards and credit cards have some similarities, but they function differently and have different benefits. Here are some potential advantages of using a prepaid debit card over a credit card:

  1. Control over spending: With a prepaid debit card, you can only spend the funds that have been loaded in advance onto the card. This can help you stick to a budget and avoid overspending. Unlike this, a credit card lets you borrow money up to your credit limit, which can make it easier to overspend and accrue debt.
  2. Overlimit fees: with a prepaid card you never have any over limit fees. (Actually, NEO's credit card does not charge for over-limit fees either.)
  3. No credit check: Prepaid debit cards don't require a credit check. And if you have NO credit, the NEO Money card is a great option for people who can't obtain a credit card.
  4. No interest charges: Since prepaid debit cards do not offer a line of credit, there are no interest charges associated with their use. Interest can sneak up and accumulate if you are not paying off your card every month.
  5. No credit impact: Using a prepaid debit card does not affect your credit score, as there is no borrowing involved. This can be beneficial if you are trying to build or maintain good credit. It is good to have some credit as without it you won't be able to get a car loan, for example.
  6. Widely accepted: Many prepaid debit cards are backed by major payment networks like Visa and Mastercard, which means they are widely accepted at merchants both offline and online.

Get the NEO Money Card

Get the NEO Money Card using this link and get an instant $25 bonus when you create your account. You can withdraw it anytime without penalty.

Quora Ads

Recently, I've been running some ads on Quora.

Quora is an interesting place to market because it's essentially a Q&A database with user-generated content. Because there are questions and answers, it tends to be good for discovery and also for those close to the end of the buying cycle. If you know your product, think about what questions they ask just before pulling the trigger and purchasing.

Think about what makes your product or solution different from competitor solutions.

If you need help running Quora Ads, or getting started, let me know and I can walk you through it on a Zoom call, or run them for you.

A First-Timer’s Guide to Crypto Investing: What You Need to Know Before Taking the Leap

A First-Timer’s Guide to Crypto Investing: What You Need to Know Before Taking the Leap

Investing in cryptocurrency can be an intimidating and perplexing prospect, especially for first-timers. Cryptocurrencies have been around for several years, but most people are still new to them. After all, it's an entirely digital and decentralized form of currency. There are a lot of risks, and the volatility of the market can be concerning. That said, there are also a lot of potential rewards. Cryptocurrency can be a great way to diversify your portfolio and earn a good return on investment. If you're interested in giving it a shot, you need to know what to expect and how to get started. This beginner's guide to crypto investing will provide you with all the essential information you need to make an informed decision.

crypto investing tips for beginners
Cryptocurrency investing tips for beginners

What Exactly Is Cryptocurrency?

Cryptocurrency is a digital medium of exchange that's encrypted as well as decentralized. This means that no centralized authority issues or regulates it. It's also typically not government-backed. Instead, a decentralized network of computers creates new units and verifies transactions. The first and most famous cryptocurrency was Bitcoin, created in 2009 by an unknown person or group using the alias “Satoshi Nakamoto.” Since then, there's been a proliferation of other cryptocurrencies. Currently, there are over 2,000 different cryptocurrencies in circulation. A lot of people have a fundamental misunderstanding of what cryptocurrency is. When you hear about a cryptocurrency like Bitcoin or Ethereum, it's important to remember that these are just software protocols. They are digital assets created and stored through a decentralized network of computers.

How Do You Buy It?

You can buy cryptocurrency in various ways depending on the type of crypto you want to invest in. You can buy it with a traditional currency like the dollar or a different currency like the euro. You can also trade one digital currency, such as Bitcoin, for another. You can also earn it through a process called “mining.” Mining involves solving a complex mathematical puzzle in order to validate a transaction. The first person to crack the puzzle gets rewarded with a cryptocurrency unit. You can also get paid to trade cryptocurrency using a trading platform like eToro. To buy cryptocurrency, you need to find a crypto exchange. Once you register an account, you can deposit your government-backed currency, such as dollars or pounds, and then use that to purchase crypto.

What Is The Volatility?

A key characteristic of cryptocurrency is that it's highly volatile. This means that its price fluctuates a lot. This can make it a risky investment option. Cryptocurrency is not tied to any physical asset. It's connected to the sentiment of the market. This makes it a volatile asset that's subject to drastic fluctuations. The market price of a cryptocurrency can rise or fall significantly in a very short period of time. This can be both good and bad for investors. Cryptocurrency is risky, but it can also provide huge rewards. This high volatility can make it difficult for investors to plan ahead. They don't know how much their investment will be worth in the future. When you invest in something like a stock or a bond, you know the return. You don't know how much it will be worth next year with cryptocurrency. It could be worth nothing, or there's a chance it could be worth tens of thousands of pounds. The only way to deal with the volatility is to accept that it's part of the crypto market. If you can do that, there are great opportunities for people willing to take the risk.

What Crypto Should You Invest In?

If you're starting, you don't want to put all your eggs in one basket. You want to spread your investment out across different cryptocurrencies. You need to do your research with so many different currencies to choose from. As of the end of 2022, there were over 21,900 other cryptocurrencies. Not all of these are as well known as Bitcoin; however, that doesn't mean you should discount them. Instead, look for the white paper, a document detailing the goals, features, and information about the tram behind the coin and the tokenomics. Look for similarities and differences between Bitcoin and Ethereum, and compare them to other currencies to get a feel for the type of investment that might be right for you. Check market fluctuation and get a feel for its performance before making your decision.

How Do You Spot Scammers?

Unfortunately, the crypto world is full of scammers. This includes scammers who trick people into investing in fake cryptocurrencies. It also contains scammers trying to steal money through various fraudulent schemes. Most scammers operate in online communities and use social media to promote their scams. They are experts at getting your attention. They know how to use social media and online communities to draw you in and make you invest in their scheme. One of the best ways to spot scammers is by joining a cryptocurrency community. By engaging with other crypto investors, you can learn from their mistakes. You can also learn from your peers. Another way to keep yourself safe is by only investing in legitimate cryptocurrencies with strong fundamentals. You can do this by researching the ICOs that are currently in circulation. You can stay safe only by investing in crypto through trusted and reliable platforms. It is important to note that scammers can exist on legitimate platforms. If you ever feel something isn't right or you are being pressured, step away and refuse to make any transactions to protect your investments and avoid losing money.

How Do You Choose A Crypto Exchange?

You should keep a few things in mind when deciding which crypto exchange to use. You want to make sure that the platform is trustworthy and secure. You need an exchange with an array of features, including increased security measures to protect your money and transactions, a wide selection of different crypto assets, and good levels of liquidity. If you are unsure of the exchange, don't invest any money and do your research before committing. Read reviews and look for vital details to ensure authenticity and avoid common pitfalls of investing in crypto


There is a lot of potential in cryptocurrency, but it's essential to understand that it comes with many risks. Investing in crypto is not for the faint of heart. It takes courage, a high tolerance for risk, and a willingness to do some serious research. If you're willing to take on these challenges, crypto investing can be a great way to grow your portfolio and earn a strong return on investment.

Move Your Business Forward With These Tips

Move Your Business Forward With These Tips

After launching your business, you likely put a considerable amount of effort into building it up into the company that it is today. However, if your business has been established for a while now, you may be ready to start progressing further. Taking your business from the initial growth stage and driving it forward to further success is not an easy task. 

Trying to push your business forward can sometimes feel like a risky activity, and you certainly do not want to jeopardize its existing success. But it is possible to move your business forwards toward greater success without putting it at risk. Take a look at these tips to progress your business to further success and help it to reach its potential:

grow your business
Tips to move the needle forward in your business.

Boost Social Media Presence

A strong social media presence is a significant asset for every business. So, working on boosting your company’s presence on social media is a worthwhile task. When used correctly, social media can deliver many potential benefits for your company. Firstly, social media can help you to reach your target market in a more personal way. Social media also enables you to build brand awareness and communicate your company values and identity effectively. But, one of the biggest benefits of using social media to promote your business is that it allows you to engage directly with your customers. Seeing how your followers respond to certain types of content, reading and responding to comments about your services, and noting how many people click through to visit your website from social media provides valuable information. Based on these insights, you will be able to build your presence further and reach potential customers more effectively.

Work on SEO

Getting your business found in the first place is often the biggest hurdle companies face. So ensuring that your company website ranks well on search is a great place to start. By improving your ranking, you are guaranteed to get your company noticed by a higher number of potential customers. 

Improving your SERPs position and achieving a spot on page one of search is no easy task. Search engine optimization, or SEO, is not easy, and getting it wrong could see your website being penalized by Google. Getting expert help from SEO specialists is the best way to improve your company’s SEO digital marketing strategies. With expert help, you should see far more impressive results than you would achieve alone. As your website makes its way up through the search results onto page one, you should start to see an uptick in website visitors, and an increase in revenue should follow.

Improve Your Business Website

An effective website is the cornerstone of any business that wants to move forward toward greater success. Your website is the virtual home of your business, so ensuring that it provides the ideal first impression of your company is vital. Spending some time working on your website to ensure that it is easy to navigate and provides a positive user experience is time well-spent.