@esmeesmith

@esmeesmith 30 May 2024

I miss those days when earning BCH was daily norm. Now things are so difficult getting even a dollar is kind of like rain in the summer. Cleaned up a lot of bad coins out of portfolio and spending time only to HODL ethereum and bitcoin. Playing for growth now. What are you doing in crypto these days?

@esmeesmith 19 May 2024

Writing Review to Monetize Hobby How many of you binge watch Netflix? Or say Amazon Prime? I am sure many of you do. And there are benefits of it. You can pass the time and also enjoy the time with family. Hobby can be fun if managed the right way. otherwise they can become the addiction and add to the laziness. I have realized that watching alone just is not fun. How about we do something about it? So writing review is something I decided to do when it comes to watching any online content. So that I would remember my views later too. And also voice out my opinion outside. Here in this post I want to explain why writing reviews is a good way to monetize hobby of watching content online. Writing about Movies I watch horror and also some of the new thriller and scifi movies. I thought why not write about those things? I write horror movies some of the times so I decided to post about them in the Hive. I am not sure if the readcash friends would want to read about it. So never posted about it here. I am going to try that in near future. Let's see how that goes in near future. Writing about TV Shows I also watch TV shows while waiting between the delivery. Like I write about things after that. like how was particular episode. And how the story is going. That way I can connect with other people. Writing about TV shows and also meeting new people is a good way to have some new connections. Some of the time that approach helps a lot. It all matters when you are planning on watching TV shows. Monetize your Time Wasting with Crypto Income When you write reviewsa at steem, hive and many other social media sites you can earn the crypto tips for the reward. And that is a good outcome of your passive investment of the time. So if you want to monetize you have to start finding the sites that offer something for your actions. And that process would be a good thing for your income at the end too. Some of the time such monetization takes time but it works. What's your opinion on this? I feel by writing about the reviews you also get a lot of mind refresh. I feel that one should write reviews and go ahead with monetizing their hobby. What's your opinion?

@esmeesmith 18 April 2024

Sustainable online Income, Its Hard I have been trying hard to go financial freedom for years. And I have yet to reach that stage. I have began into the writing online, content creation and other things for years. But the big number I never managed to get in. Mostly small amount like dollar here and there. This is frustrating but in life we have to stack the dollar to make them bigger amount. And so begins the journey. BCH helped a lot in the times of the pandemic and others. I made a good amount during the time. I also manage to hold some money in the online accounts. So lets talk about it. Writing Sites can't earn Minimum Wage In past we relied on the BCH income and that turned out good for the dollar conversion rate. And I earned good. And it kind of improved my overall life. I wanted to push a bit more further. I managed to get the minimum wage and things kind of improved a lot too. Overall I found out that writing sites are good to earn random income but they can't replace day job. Freelance platforms are Race for Life I have joined odesk and fiverr but never really made it big there. I offered some gigs but the clients were unreasonable. They wanted things for cheaper cost. And that kind of got my life into the sad rat race. So the income was only good if I offered some package deal and met good client. But unfortunately I have to revise gig and try other clients. Crypto Income online is not Reliable Unless you are hodling for like last 10 years or so. I don't think the income is reliable. You can be a trader and that would also keeep the income on the line. I would say that income is a bit difficult to sustain. I am keeping portfolio but income is not easy anymore. What do you think?

@esmeesmith 8 April 2024

TikTok is Money Maker I tried to deny this till the point everyone around me started making money from the Tiktok and realized it is a money maker. Oh well, I ignored it for years. Noticed that it takes years for youtube to take off. Especially the subscribers. And the amount of hours you have to reach just reset after the 90 days. And that kind of is hard with the youtube. So I am going to try and use the tiktok for food and cats videos. Content of Cats, Dogs, Fish Earns too I have cat and dogs. Though I have noticed there is a huge niche for this type of the content. A lot of this content requires years to settle. So reaching the minimu is kind of hard but the type of content you create is what makes sense here. I know a lot of folks are into this niche and they do earn good amount. I just don't know the peak point to reach with this. Content of Cleaning, Decoration, DIY is HIT DIY is super hit but there are people who are into this and they kind of steal the content too. So it does not become the regular hit with income. and once the enough videos are created you kind of reach the point where they don't make much value anymore. That's why the content on specific niche is a bit hard. If content under 2 min makes money, why not try I am thinking mostly pet videos and the diy videos. But that needs to be done on daily and weekly basis. Because editing and also getting new sub becomes harder. As once people get into the momentum we have to think of means to make money out of the same. So one should try on that part. I know many who are into the content creation and have reached the income stability. What about you? Have you earned enough out of videos and content in general?

@esmeesmith 26 March 2024

Crypto Hustle and Life: What are the Plans Life has been changing since the pandemic. And things are not that easy anymore. Life is kind of struggling from one place to another. Even worst the amount of expenses rising with the time. So here's my plan lately with the crypto and life in general. Storing more Crypto in HODL I have few of the tokens like OP and ETH and I want to put that into the HODL. And things are not that easy lately. I have to also make sure to get my crypto savings in order as apart from the income from the jobs this is the only thing keeping me alive as of now. I have to learn to write better in most platforms where there is chance of earning crypto. Investing more in Mutual Funds I have been investing heavily into the equity. And things should be in order for the mutual funds to work out. Most likely the mutual funds have been going on out there that may keep my money in the parked mode. If things work out I would be picking in more risk as well. But money needs to be parked for some emergencies and that is the point I have. Selling some crypto for emergency I have also made sure to keep some of the USDT token. I am going to be pitching in some in the binance account. And if the wallet is keeping in the order, that would be a good place to keep some USDT which can be sold immediately and then it can be taken out for the funds that I would be needing in the odd times as well. Find more revenue sources Just relying on online writing and also the crypto investment alone won't be making much efforts. Revenue sourcces are kind of drying up and this means I have to find out other means of the income source and there needs to be a lot of push for the funds otherwise life is going to be pretty dull, boring and hell. Let's hope that plans of life work out otherwise you never know what could be in the crisis in near future.

@esmeesmith 17 March 2024

6 Days Veg, 1 Day Non-Veg Life It's my mid 30s and I am not young anymore. Yeah, it was painful to type that but let's accept the reality. I can't eat the non veg food every day like I used to in the 20s. And now body is demanding me to slow down. Body asks you to slow down the moment you get into the 30s. And it expects you to avoid too much oil and other luxury things. So it's time for me to change how I consume the food and how I get the luxury in terms of the food and lifestyle changes. Do let me know what you think of my approach in the comments. Non-veg diet and Health Eating KFC like 2 or 3 times a week may sound fun in the 20s but as you get into the 30s, even getting 1 KFC a week would be taxing your body. And overall stomach would be responding back to you in that case. Health is only good as long as we keep things in moderation. And so reducing the non veg would be a good start in that case. Diet with balance of both veg and non veg would be keeping you healthy. Do you hate non veg food? Hell No! Now a lot of people ask me, does that mean I hate non veg food and have I become that bitchy vegan woman? No. I am not some vegan karen. I love non veg food. But my body is responding to the excess of it. So I am just trying to make the non veg food in moderation. This way I suppose I keep the health in check and avoid going overboard in that case. I guess you can say I love the non veg food in moderation now. Balancing best of Both Worlds Having some veg food in the stomach is a good choice for you. Like with getting old you would need mix of both for staying healthy. This is something almost everyone would be following as well. I guess balancing may not be that easy but it needs to be done. Most of the time balancing is a hard thing. But you do what you can and build from that part. Balance is hard though as we have cravings for some food. What do you think Now this sort of the approach may not be for all type of people. But you can do that easily if you plan for the diet. And in that context I'd say that you should try this lifestyle change for your own well being. What do you think?

@esmeesmith 7 March 2024

Selling Coin in P2P or HODL I have this habit of regularly selling the coins in Binance P2P. And that has made most of my hard days go by. And so I think that would continue in the 2023 too I suppose. Now that I am thinking of HODLing too. But the thing is for how long and how far I am supposed to HODL. I guess you never know what HODL can do to you and what you can get the most in that case. Selling coin on time can get you some income. It can also make your bad days go away where the money is needed like health and other bills that you pay. Let's talk about what would be a good approach when it comes to HODL and Selling the coins in the Binance. Staking is Slow and Steady I have BUSD, Polygon and few other coins on stake. It earns. But not a lot. Like few cents and dollar here and there. I am not a whale and shark. So I can't earn anything big and there is not much assurance. So being steady with the income would harder if there is no staking. But you need a lot of income in order to earn money. Staking takes a lot of efforts and so some of the time selling is the best option. P2P helps with Daily Finances I think that when you are in emergency, like say health issue or so then you would need the money immediately. And that is where the P2P based income can come in. You can send your money to binance and get the money out. So that would help with monthly finance and also helps with the overall expenses too. If you can do manage it properly it can turn out to be a good income. I have seen many people have it that way. How long to HODL if it hurts You I know this is the worst time for HODLing but bad days will pass and so you have to think of the time when you would be getting the time for selling these assets. And that means you would have to think of that time when you will be in profit. HODLing is painful but it does pay out. If you plan for it. What do you think I am in semi mode for the HODL and also thinking of selling assets once the market gets back into the shape because I want to get ahead for the income too. What's your approach?

@esmeesmith 13 January 2024

Feeding Animals & Birds, Remedy for Peace of Mind As you grow old, the peace of mind gets a bit damaged. You live life in regret and also worrying whether you would achieve something or live for some reasonable cause. That anxiety takes your peace of mind away. And it can make things worst for you as the time moves ahead. And it builds up stress. This is something that happened to me. And it took my peace away and added blood pressure and possible of sugar in upcoming times. So I decided to take attention out of my own life and move it to the other people and the animals. I decided to give back to the world. Feeding Stray Dogs and Cats, It feels good I own the cats and dogs but I keep my care and attention only to them. And now with the peace of mind getting damaged due to various other things in life. I decided to feed the stray dogs and cats too. The day I started feeding them, things start to feel good and the life changed for something good. And it starting to feel good as well. Like their stomach getting the food kind of creating positive vibes back around as well. Feeding Birds, It keeps Curiosity Alive Now this is another remedy that I am trying for peace of mind. And hoping that with the time that would keep my curiosity alive as well. Feeding birds keep you occupied in good things about the nature. And being friendly with nature would keep your curiosity alive and life gets better. So try this remedy for the curiosity and peace of mind. Feed birds some things like green beans and the various bird seeds out there. Giving helps with Peace of Mind Some of the time our regret is because of the wants and needs. And we get so much wrapped in them that we forget about peace of mind from our own context. And that means we have to learn to give back to the society. Peace of mind is hard unless you let go for your filled up of water. Which is kind of something most of the people with depression and anxiety end up having. So give without thinking much and peace of mind is yours. What do you think Do you give away to other people and the animals for peace of mind. Have you tried this remedy? What has worked out for you so far in that context? What do you think?

@esmeesmith 2 January 2024

Video Influencer - Income Maker or Not Making income out of the videos is a new trend. And a lot of people are trying to make money from it. If everything goes as per the trend, you make a lot of money. And such type of the income can give you enough to start another business. So that if the video marketing dies you always have a backup plan. But the thing is how long it is sustainable and income maker? So today I wisht to discuss just that. If you happen to like creating content in this niche, do let me know in the comments. Opportunity from 18th Age to 30th Let's say you are good at movement, adventure, comedy and other outdoor stuff where you need a lot of energy. The this age group would do a lot more things in life and also there are chances of earning more. The day things move from this age group, the change in the video content is a necessity and your words and the presentation is going to earn you more money. So you have to think of life from that context. If not dance, act or narrate Let's assume you can't dance then in that case you can narrate and become financial influencer or say act and become a comedian. You would hustle more and then that would earn you a good audience too. Stand up comedy is a niche. Where you insult people or do sarcasm and make money. Personally I don't like it but who am I to not like it if it makes money for them?So try if this is something you can do. Unpredictable Income but Saving Worthy You may earn 100 USD today and next month the earning would 1000 USD or more. And that sort of the unpredictable income is going to be there. Video marketing is not going to earn you consistent. And that is worth thinking. You can save some money and this would be a good thing as well. You would be making use of the income that can pay most of your bills as well. So think of your life from that context and adjust as you please. What do you think of this income stream? I feel this income stream is worth trying. And make sure to keep the things in movement thorugh investing as a side hustle. But I don't know you could even make it as sole income if things earn high enough. Experiment, you never know. What may work.

@esmeesmith 15 November 2023

Podcasts - Does it Make Money I listen to many podcasts on blockchain, startups and the finance. And I learn about lot of things. I have however yet to find out about the podcasts that make money. I mean I have no idea which podcasts are making money. I wonder if people make such content for free and earn nothing. I refuse to believe that they make something for free by spending more money. So that got me curious and learned about podcasting. Some of the time I learned about doing podcasts and decided against it due to my voice. I decided to take help of AI voices now, let's see where this goes. Let's talk about who should start podcast and what you can do with it in terms of the content that makes money. Which content is in Demand? You will find a lot of podcasts on finance, startups, comedy, stories, horror tales etc. And there is a rise of such content on the ASMR type of listening content. This is in demand due to people need it in their lives. And more demand means the content would get downloaded or sold in that case. So depending on type of the niche you have, find out which audio content sells and try that in your podcast. Where does it make money? I have found out that anchor.fm and the spotify are the only two resources that are out there paying people or giving something that would earn them some money. It may not be a long term income. But it is a passive income nonetheless. So if you want to make money and earn anything that is sustainable you would have to hustle and work on those income sources for them to make money. You can also earn from selling this content behind the paywall. It gives you the option. Is it future proof? what's the future for it? I feel it's future proof and there is a future for the same. But the thing is that you can't earn from it forever. You would have some limited exposure to make money and you can't rely on it forever. It depends on your personal brand and also you would have a niche to work upon. I think as long as you charge for it or have ads and the links to get the revenue out of it, there is some small amount of future with it. What do you think I think audio content and the podcast can be a good income for the paywall based portal where you sell the paid content. It can make money as long as you are consistent with efforts. What do you think of podcast income?

@esmeesmith 6 November 2023

Buying Stocks, I'm taking Risk For years I avoided the stock market. Because I feared the day trading. And that means I kind of lived my half or more than half life into not taking the risk. Now that my fear is away, I don't feel like taking the risk. And now that buying stocks in the recession would be one of my good strategies for the upcoming future. I am going to take more risks too. Taking risk is a necessity. Some of the time taking such risk is what we need in order to grow. And that means buying stock would come naturally in that due process. So I am writing this post to reflect just that. I am going to take risk to buy those stocks. And that too for the day trading. Do let me know your opinion in the comments, I'd love to know more. I have limited money yet taking risk I am not rich. I can't invest 1K a day or so. But I can invest 200 USD or so if I could get some good profit. And I would be playing with those stocks which would fit those stock limits. I think that much of the small risk is what I would be seeking in upcoming times too. I think taking small risk and the overall risk capacity would be improving for me as well. I guess you never know what would work in this phase. Stocks in EV, Banking, Mineral Sector A lot of people have advice to give me. And I am going to be learning in this space. Like which type of sector to invest into and what sort of the sector would be long term good. I think banking sector would be suffering in upcoming times. So the mineral, power and the EV sector would be worth investing. Banking is purely speculative for me. You never know. So let's hope to learn more in the due process. Stocks in Dividend Category As you know from my past posts, my approach to dividend stocks was aggressive. I invested a lot into such type of the stocks.And that has gave me a good leg up for earning as well. So the future is in that direction. I am in the process of earning more through the dividend stocks and that in near future would be earning me as well. Let's see where things take up in upcoming stocks chase. Do you take risk buying the stocks? I think a lot of people on readcash are into the stock market and crypto. So they are taking risk. I am going to be taking more risks too. Let's hope that my risks pay out in the due time. What's your opinion?

@esmeesmith 5 April 2023

First Credit Card of My Life Imagine not having credit card till 30s. And in mid 30s, you get a credit card. And that kind of opens up the new doors. I know that a lot of people don't have their own cards all their life. But some of the times having something new like this is a call for celebration. So why would I get any credit card? I got the card for myself because I wanted to sign up for online subscriptions which needed that. Today I want to put some of my experience of the credit card into the writing. So let's talk about it. Credit Card on Deposit Here in Singapore, we get the credit card on the deposits in the bank. Like you don't earn interest on those deposits. Instead those type of the cards just become the collateral for the spending. So in that case if you failed to pay back the money is taken from the deposit. So it;s kind of like the card out of the deposit money is adjusted. It just makes you set things up automatically with paying the card bill that way. Using Card for online courses My goal with the card was paying for it to continue to learn new things online. And that way I wanted to pay for some of my online courses. I wanted to get things properly on the setup this way. I think places like Linkedin Learning, Skillshare and Egghead are some of the places where you learn the IT skills. And that kind of adds up with the cost so paying with card can be good in the long run. Spending in Moderation All of my life so far I have learned to be in the moderation. And I want to practice that with something real as well. So the cards moderate spending is something I would be learning too. Because If I unable to pay that would also adds up with the loss of the deposit that would be going on in the bank. So it's reasonable to spending in moderation and you know it would help out with the paying it back part. What's your opinion I know many of you have the cards of your own which you could be using for paying online etc. So what has been your experience so far?

@esmeesmith 19 December 2022

Avoiding Digital Payment Fraud Each day we hear news of someone losing money in the metamask. Some losing their bank money and so on. Digital has made things easier but there are lot of frauds. Digital payments are fast and partially safe but as long as you do things right it wont be much of an issue for the people who choose to store the funds. Now let's talk about protection. Digital payment frauds are increasing and as more greed comes into the world there would be more of such issues. So let's talk about it. Don't click on Unknown Links Often you get the message where they want you to click on something and go to the new page. And thats where they want you to fill out passwords or keys etc. And following that would get your funds nil. So make sure to avoid doing that. Don't click on unknown link. It won't do you any good instead it would only make it problematic if they happen to put some sort of the logger in your phone. Don't give your keys/pass to Unknown Forms/Sites A lot of frauds want your password, keys and they do that by asking it through some form of site or the portals. And they collect it through such means. Make it difficult for you to change that later. So when you get some of such options make sure to ignore the forms, links that are asking you for the password and the losing access to goodies of your wallet. So make sure to ignore some of such options. If it's free money, its fraud *most* of the times Most of the scams and the frauds work the way as if it is going to give you some form of the leverage with free things. Like you earn thousands of the toeksn if you happen to click on links etc. If you think someone wants to give you free money for no reason. Ask yourselves what could be the motive. And that would fix most of your greed and the desperation with the same in life. How do you avoid payment frauds? I am just learning in this space and going to find out what can be done from this point onwards. So let me know how do you avoid fraud issues. How do you avoid payment fraud issues?

@esmeesmith 16 December 2022

Does Patreon, Buy me Coffee works I recently checked out a creator on the Tiktok and she collects the support through the patreon and the buy me a coffee system. If you like her content, she asks you to support through those means. She creates quality content and has been supportive to many people around the world. And in return she gets support. If you check her progress it seems like she is doing pretty good with these two system. I wonder if her model can be used by others for some monthly income. Let me know your views on this :) When do people decide to Buy me a Coffee I have noticed that when you are providing some value. Like say you are doing something that would be adding the fun or some emotions in the life of the people. You would doing good on the social media. Like you would get more followers and they would be supporting you in the system by donating something to you. And that is the system where the buy me a coffee comes into the play. What works with Patreon Now the patreon is lot different than the buy me a coffee. If you want to support the artist on the monthly system then the patreon works. Like say you like some artist and you want to help them on monthly basis. You would then join their patreon system and each month they get a cut to your account. This way they would get your support and able to continue to create the content on the regular basis. Giving things for free never worked for me I understand you need to provide value. but keeping entire art available for free online would not earn anything there. So it would be really funny to go to the shop route instead of the patreon and buy me a coffee. I think each one of us have different methods for the giving stuff for the free. And with the time that would work out on their own. Free works for some but not all the people. What is your opinion Each one of us have different way to earn from the tips and support. And it can be different for us to use system that can get us support from people. What works for you?

@esmeesmith 14 December 2022

Income from Reels, is it enough I see a lot of people jumping out of jobs to do the reels. And they make a good income for some time. But making money off reels is not easy, and income is not possible to sustain either. So I wanted to put down some of the points on if the income out of it is sustainable or not. And if we should do this type of the content for long time. I noticed some people earn like 1000 USD or so in some of their channels, shorts and overall income out of the brand. But often that is not enough if you are in 1st world countries. So let's talk about if the income from reels is enough for most of us. Staged Comedy is Exhausting Let's say you create small comedy videos for the reels. And you make use of solo or team for this type of the conent. You are going to be spending for light, camera, people and the makeup. Which is kind of burning more money than you earn. And this also means that staged comedy is going to get boring if everyone starts to do each others content. And people too would realize that it is a staged comedy. You are not going to enjoy reduction of views and then earning because of this. Making Reels forever is Hard Imagine yous start at age of 18 to do reels. And people watch your content for like 4 years or so. And then you get bored and nothing new comes up. Because making people laugh forever is hard. Not even charlie chaplin was happy with it. So making reel is not easy, it takes drops of blood out of your hard work and it makes you tired over a period of time. It just gives you money at the expense of the boredom and does not lead to same happiness few years back you had. Age vs Content Type, Not Easy Let's say you are at age 18 and now you are going to be 35. Would you have same energy for doing those things? Not so. In fact you would be struggling to survive with the various health issues as they come into your life. Content creation with hands and video and audio is different. Audio and writing is still possible regardless of age but video dance and video acting is hard. Takes a lot of efforts and pain. What about Money, Is it enough I have seen shorts and the video reels pay good if you can bring the short amount of time for large traffic. And some of the platforms are paying good enough. You can earn money, setup some business and retire out of social media. In short look at that as a short term income.. What do you think?

@esmeesmith 12 December 2022

It's Holidays, Slow Down for December It's December and many of us are still working and may possibly work even during the holidays. The rush for shopping and also rush to go to the home is among many this season. And during all of this hustle and chaos, we are forgetting about the time to take the rest. Time to take the break. And it's kind of funny how I get to write this, who is the most hustling person. It's time for slowing down. Not just for health. But also for people. This time we have to take break. We have to slow down and appreciate what we have hustled for all these years. We hustle all year around, It's Break Time I work on a day job. And during the weekends I do delivery work. I hustle all the time. I write online too, which you can guess based on this article. I do a lot of hard work but my returns are extremely low. But I am not demotivated I continue to hustle and the thing is that it's often burnig out with the mind and the body. So december is the time we let the winter work over us and we need to slow down and take break. Appreciate everything around I never apprecited my own hustle and that manifested into the health issues. I got blood pressure and who knows it would even turn out to be a diabetes. The thing is that everything needs to be appreciated or it backfires. You need to turn everything around only by appreciating. Because none of the thing we have is assured to us. And instead it is only going to affect your health in a grand scheme of things. So learn to appreciate everything you have. Plan for future ahead Now slowing down does not mean closing shop and not doing anything for the future. It's reasonable to think of the future and planning ahead. Another thing is that planning for future is not going to be any easy either. You have to think of financial recession, low market of crypto and also you have to think of possible job loss or change of jobs. So planning for future would be a good direction we can take this season. Let's hope Good for New Year I know since 2020, none of us have any strong good days. We are just floating by one day at a time. And that means expecting a good new year is a bit difficult from this point onward. So let's be positive and hopeful for a new year.

@esmeesmith 10 December 2022

Buying Dividend Stocks in Recession I was watching one of the youtube video recently on what to do during recession. I came across one point of dividend stocks. I realized that I was doing this strategy all the years. And though let's continue what worked for me. I am sure if things go as per god's plan it would continue to be in better position. Another thing is that when you slowly save for more equity you would be in better position with the dividend too. This helps combat recession in our life. I think having a portfolio of the dividend stocks is a good thing. You would be able to withstand many recessions this way. Dividend Stocks Save You in Future You want to save for futher and afford to risk some money? in that case the stocks are good option. Because you are taking the risk and you are investing into proven business. So when you take this approach the sooner or later you are going to do good with the stocks. It also helps when you are saving enough to earn good amount from that amount when market performs well. It's a hunch and calculation too We don't know how the future works. And we don't if our investment would stay on forever. We invest because we have some goals to reach and we want to make the most out of the same. So we do the calculation and have a risk too. So by doing that we are going to be going few steps ahead in our mindset. And here we are taking risk which would earn us something in the output. Take more bets, more luck increases There are some of the people who believe that more risk you take the more luck will favor. Because here you are taking the chances. And the luck would improve if you take the bets. So same applies to you invest into the equity the more your luck would improve. I think the case with the bets is that luck would definitely change when we invest into the dividend stocks. What's your thought on this? That's my plan from now onwards. I feel that when I invest into the dividend income, I am going to be securing my future. Let's see where things go from this point onwards. What's your take on this?

@esmeesmith 8 December 2022

Financial Emergencies to Watch Out Life doesn't move in straight line. Some days you would feel good and some days extremely bad. And that means you need to prepare yourself for the bad times. What are some of the things to watch out for? You have many things to go for in life when it comes to financial safety and management of your bad days. So today I wish to complete some of the basics of what are some things you can plan for and make yourself ready for the emergencies. You should check that out. If you happen to have diferent opinion or have any specific ideas on how to manage such times, do let me know in the comments. Income Loss Recession is here some of us may lose jobs. Some of us may get less salary. And things would move very slow from that point onwards. And that is where the income loss would be experienced. When you go through this loss a lot of future gets manipulated. Your savings deplte and also the investment in general reduce. so make sure to plan for this type of the income loss. Salary Cut or Income Reduction Like said previously this too falls under the income loss. Now here you can see that salary cut would lead to the choice of moving to another option where you have to find the option which gives you a good salary or learn skill for the same. If you have more skills, the income reduction eventually gets over and you move to much better side of the income generation. So you have to think of skill upgrade to get ahead through this. Natural Accidents (flood, etc) Most of the nations suffer from the flood every 2nd or 4th year. Atleast that is what data says. Some nations near the sea experience this without fail. And that is a point where you can see the loss is likely to be norm. So you have to prepare for this with insurance and also various means through which it can help you rebuild the life. It gets better if the life is planned and thought about as well. It's not easy but should be done that way. Medical Issues Say you have gained weight since pandemic. You are going to be experiencing the health issue like thyroid, diabetes and other health issues of weight. Even blood pressure. All of that would add up in health issue. I hope that gives you an idea on thinking about the health and plan for it. Be it through healthy lifestye or through exericse and medicine. Make sure to plan for the same and build your life around the same. Are you prepared for some of such emergencies? I am kind of half of this. Like I do have insurance health related and that too because I am now driving for some company. And so I have to think of such situations and work on them. What is your approach?

@esmeesmith 6 December 2022

Invest in Invoice Discounting New form of investments are being build every year. Each of such investment change with time, they have rules and regulations built over time and also a lot of things get solved over period of time. I am always in search of the invoice discounting. This should be something I prefer because I want to maximize my time and reduce my efforts to earn money. So I choose the passive form of investment where my efforts are reduced and money is invested instead. I learned about invoice discounting. Let's talk about it and how it benefit us in terms of investment. What is invoice discounting? In this form of the investment, we as a investor, put the money into the pool which gets used by the business to pay up for the invoice which is taken by the another financial company and delivers the good like normal. And during the period of payment you earn interest in return for that investment. Is it safe? how much one should add? Most of such type of the invoice discount have low to high barrier of entry. like say 1000 USD and high as it can get. More you invest the more risk you take and also the reward in the interest is higher. If you have enough money in hands, you should add that. But depends on your risk apetite. It would do you good. Some of the times the income can be good if you happen to invest the right amount. Crypto or Invoice discounting? I prefer both. Invest the profit of the crypto into invoice discounting and build your risk exposure and then keep earning higher too. So both should be tried and not one over the other. Crypto is good but you have to start investing in other things during the bad times. So that your odd days can balance out properly. You should go for that part if possible with invoice discounting. What do you think of this investment? I am new to this but soon I will get good at this with enough time given. But lets hope for things to change slow and steady. What's your opinion on this investment?

@esmeesmith 3 December 2022

P2P Lending - Investment Option Peer to Peer is the future, they say in the financial space. In reality due to govt and the various tech that goes in the middle, we are far from it. However there are many schemes where you can form this sort of the investment. Where middle party joins the two and then investment starts from that point onwards. When you choose the p2p lending, you are funding someone who needs it and the person who pays the interest and principal is returned after the same. So the investment kind of works out. So let's talk about P2P ending, both in equity market and in crypto market. What is P2P Lending & Microloans Say you have like say 100 USD to invest. And someone else from market needs 100 USD. You would give them that amount on loan. And then you would earn from the interest and also earn good pricipal return at the end. Some loans have no interest and some are just high return for the investor at the end. So it all depends on the repay capacity of the borrower. So it's a small loan but it can give you a good returns there. How much should you invest? What benefits? Kiva taught me that as low as 25 USD is possible. But those are social cause and you are likely to get hands burned if money does not come back. And if you choose to invest into crypto that too would carry risk. So barring the risk issue. You may find that P2P lending and the microloans can be a good option for you to keep the momentum. Less or medium loss if things go wrong and also good return of investment for the time frame. Is it safe? is it for all of us? Most of the microloans are safe. I can't say the same for the crypto based microloans. But you know where things stand most of the time. I feel that in order to play safe you would have to invest reasonable investment that you can burn. It's not for all and those with high money should invest elsewhere. Those who have limited money that they can spend over then p2p loans can be good. And most of the crypto loans can be interesting to invest into as well. Do you think P2P Lending is a good option? My preference is using the p2p with the crypto and it can earn me good if things go well after the recession. I'd recommend you to try it out if you happen to plan for the investment smal amount. What's your opinion?

@esmeesmith 1 December 2022

Nov 2022 - Earning Report November has been painful. And as you can see from the earnings report, things are kind of slow for me. Earnings are slow. And the various earnings sources have been hit with market conditions. And now the tough days are ahead. I think we just have to keep living the life one day at a time. So let's talk about my earnings progress this month. Hoping for better December and life should go back to normal. Do let me know in the comments about your progress. Bitcoin Cash Stats Not a good month. It seems like things are sliding down from this point. As you can see from the stats. The sites are slowly winding up for me. I will continue to write and be active but I need a good income source that would help in future market conditions. I miss 2021, a lot of good things happened. My total BCH balance is now 5 BCH but there is not going to be much additions from this point onwards. God save us all in financial global recession. Pub0x Stats Pub0x has been the best performer as you can see. This month I made around 5 USD and the total balance for both ETH and the AMPL made good income. I know it's not going to pay my bills but it is a good investment nonetheless. I think with the Pub0x things would improve next year too. Let's wait for things to settle down in a much more strong place. I am going to be keeping things at this speed as this is the only site working for me as of now. Binance Earn Binance can be a good earner. But it takes a lot of time for the binance income to have anything decent. I have some of the things need to be put into the place before it can generate a good revenue. I think MATIC and the BUSD is my top coin as they are likely to do in the odd times. And when market recovers things I would be totally pushing into the proper direction. Ethereum is the horse to bet on for me. TRON is like that coin that earns in cents and does not do good for the portfolio much. But I earn it for free on the steem so lets keep what we can and keep moving. How was your November? Hive, Pub0x and readcash are the only three places which seems to be keeping things moving for me. I hope that next year a lot of things go in my favor if not against me. How is your month progress and what worked for you?

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@esmeesmith 29 November 2022

Sell It, Don't rely on Writing During the 2021 early months we learned about this platform called noisecash and then I discovered readcash. Till then I was doing odd writing jobs. I realized that adding few peanuts of cash here and there was all that I was making using the writing articles and the content on the social media. Most of the people managed to get the group of people for them but I never got the big whales for myself voting or funding on my articles. Maybe I am not that good writer. The thing is I say things that are real on the face and that kind of shows the reality for my content and it's not how the earning would sustain. So the new thing to experiment, you have to create and sell a product, not rely on writing content for making most of the income. So let's talk about why you should create product to sell online. Writing is stressful Imagine I write articles in advance for the month. Like 1 article to be posted after every 2 days. And that is kind of building a stress for me in life and it is not even getting the output that we seek. Like rusty visits us with low funds every now and then which kind of limits the earnings too. So the writing is stressful as it does not sustain for the time being spent on things. Writing is not forever You will reach 40s and still writing small content to earn? That won't be good for your health and mind. Like you are struggling 2 decades and still not happy? Those questions we all need to answer eventually. So the fact of the matter is that writing is not forever. And we have to learn to bow out of the struggle eventually. So this way we learned that writing can be done for our own reasons and not for chasing few cents here and there. Selling is hard but it's Required in Life Writing is good for income that can later be automting and it can make us a good income. But the thing is that to writing everyday and forever is not how it should be and something a lot of people should think about. So create a product, service and offer those in output in automation. A lot of people who used to be a writer left this forever writing world with this path. And that has helped them get settled in life. What's your take on this? I feel writing is good if it is hobby but if it is designed for the money, you better earn good and then make an exit. That's the future of the writing I am looking in near future. What's your take on this?

@esmeesmith 27 November 2022

Splinterlands is Multi Earner Game Splinterlands is a popular trading card game on Hive blockchain. A lot of people play it daily or weekly and earn a good rewards and enjoy the time. The game has gained a lot of popularity because it has not only option to earn you money but also you would earn many things along the way. I was doing this article on hive and realized how the content creators in the splinterlands, and noticed that a lot of them earn good rewards. So let's talk about this journey on this splinterlands game and how it has power to help you online. You earn from Renting Trading Cards Trading cards always have this value. Like you hold them and sell them as they get rare. And now that we are in the digital era, the trading cards earning is a good option for anyone to hold and rent them. Like you keep them on rent and earn rewards, you sell them and earn profit and also a lot of things that can be done as they are NFTs too. So the RUNI cards in splinterlands are NFTs which earn you as well. You earn from Selling NFT Cards You need to think of the cards as NFTs and raise their value. So the game you play would add up on rewards and that would be a good direction for you to level up on them. Some can point you towards a good cost. Like there are marketplaces where your level up cards can be sold and rented. So that isa good reward in itself. NFT cards in this game would be holding a lot of value in near future. You earn from Writing Articles on Game Now you learned about the cards, you hold them, you buy and sell them. And the value can be increased and decreased in the game. That means the thing is you need to find more option to earn. You can document your earning progress, you can write about the card and then that writing habit would be earning you on the splinterlands forum too. There are trbes that pay for posting such content on hive. Have you invested into blockchain games? I think splinterlands isa good game to invest your time and money. You earn here good amount, it may start slow but it does take off eventually and you make a good income. What is your opinion on this?

@esmeesmith 24 November 2022

Plan : Bitcoin Cash to Dividend Stocks It's sad that our earnings have now reduced due to the downfall of the noisecash. And also we don't get the rusty anymore here. Atleast not for me these days. It's more like once a week or twice a month sort of the reward coming to me lately. But does that stop me from my plan? No. I am going to tripple into my efforts and not going to give up. Becuase what else there is to do if I lose out on my plan. So the new plan is converting the bitcoin cash into my dividend stocks. And how I plan on doing that? I have managed to make a list of the 10 top dividend stocks in my country. I am going to drip feed my BCH into a local amount which would buy the stocks on regular basis. So here are some of the steps that you can follow like me are explained here. Step 1 : Bitcoin Cash to BUSD to Local Cash I take most of my wallet bitcoin cash and then convert the same into the BUSD. I make sure to take this to binance where it can be stored and then exchange it to the local person. This way I would be holding the local cash in my account. And that would give me a strong value to buy the stocks. I make sure to have some specific value in mind to buy. Step 2 : Automate the monthly buying of Stocks Say you need X amount of the money in the wallet in order to buy the stocks. Like say you buy 4 stocks of some dividend stock each month. Here we have to keep that much money in wallet. And then it would trigger monthly basis for buying the stocks automated way. It would be helpful for me for some account maintenance charges but that is fair for now. I would be earning some good income out of such dividend stocks with time. What would you do? Some of us are using it for the grocery and some are just using it to spend on the family. I feel dividend stocks and the mutual funds are a good options for anyone to buy and automate their income. This way each year some amount of money drip feeds into the bank account. And you become more secure with earning of funds that can be better than nothing. So if given the chance what would you do in such case?

@esmeesmith 22 November 2022

Work in Advance, then Take Breaks We all have to work in order to get the results that we want. We cant have anything unless we work for it. But working forever is not going to be good for mind and the body. And in such case it would be reasonable to be smart about the work. Because being hard about the work is not a good thing. Some of the time it would be a good option to know what to do but doing things always does not lead to proper results. So the planning part is very much important when it comes to working. In this post I am going to show you how we can work in advance and make things good enough. Write Content in Advance, Keep Drafts You can write 2 articles in a day, do it for 1 week. And you would have like 14 articles to post. And you can then have some space where you can do other work. So keeping articles in draft is helpful. Like you wake up each day and have a mood to write in that case you don't get the content to write and motivation for it. So in that case the draft is something you should keep in handy. You can do this on hive, readcash and other sites. Store your drafts online in google docs or maybe office online. Schedule Content in Automation, if Possible Now if you are making content for facebook, twitter and few other sites you have this option for the automation. You can use that option and make sure to get the content to the users on time. This works on many sites, you just create content and set the schedule. It would automatically go into the content queue. This works for many people and it can give you much better leverage on time. Store more Content and Topic Ideas in Draft You get ideas but don't know what to do with them. In such case write those ideas as an article. Main points should be there in the article and you should store it as a draft. This would help you with content storage too. When you follow this approach you would have a lot of content ideas and it can make it easier when you run out of topics. Do you use this approach? I am sure many of you use this approach and it helps you with the content creation in your everyday writing online. What's your approach?

@esmeesmith 20 November 2022

Banks in Panic, Recession is Real I recently checked the news of the layoff happening. And the marketing and the sales people have a target each month. They have this target so that they can increase the revenue of the banks and the insurance products. This way they want to show the recession without making a sound. Now the real drama happened recently. I got call from banks and they asked me to do more international transactions. I felt panic because if banks are kind of making such calls that means recession is for real and close. So I thought let's write an article and explain what is going on recently in this part of the world. They want you to Spend The thing right now is that your spending is supposed to be in moderation. So the banks are offering you the good interest on deposits. And they also want you to spend. Like real. You would be tempted to try out some of the bank offers. And that means the offers would be related to the spending. So the thing is that banks want to make you spend through them. They want you to Invest Now in one hand they want you to spend. And in another they want you to hold your precious money into their vaults too. So this way they want to have a control over both sides of the cards. When you have such control you woould be seeing that your money is never yours. You just hold the cards or say some sort of the number ledger in the hands. So that kind of shows you the face in recession. Be careful, what they sell to you They want you to invest into the things that would help both them and you but most of the benefits they would be holding. Like they want to sell you most of the features which wont matter much other than experience. I suppose the thing is that selling to you is kind of a optional thing. You never know what could be something you would be needing to do in this case. A lot of people simply ignore their offers and pitches. What's your experience? From my experience I am sure you have learned a thing or a two. It's kind of a bad times during the recession that would teach you a lot of interesting things. So how is your recession experience these days?

@esmeesmith 17 November 2022

BCH Wallet Statement - Counting Monthly Income Each month I see people adding their progress with the BCH and I notice that they separate this on their bitcoin.com wallet address. This helps them with the calculation each month. In other wallets we don't often have this option. So I thought why not find the means to find the statement. I recently checked out a website named blockchair. This website is like BCH explorer, where the address can be explored. And you can get updates as they come. So today I wanted to point out some of the simple tips which could help you generate a statement for your BCH address and get idea how much did you earned. Go to blockchair.com https://blockchair.com Add your address of BCH in the search. I picked a random address in the website. You will go to the wallet official page. Find the wallet statement button and go to the page. Choose the period for the BCH statement. Generate PDF in next step and then download. Now in the next page you would get the BCH statement in tha page. You would have the PDF with the list of transactions. You would also have the available balance in the statement. The statement should look something like this in the image. How can you Use this Statement? You can use this statement to get an idea on how you earned the BCH that month. You can generate such statement for entire year. And this would get you an idea how much you have earned in a year. I think for taxation purpose also you can make use of this as this can be a good income for you to track there. I prefer this method for keeping track of the yearly portfolio. Use this for readcash, noiseapp and other places You can use this method for keeping track of how much a particular address that you used for earning the income. I am pretty sure this would give you an idea and overall approach towards the earned income can be very insightful. I just learned and decided to use this for my future calculations from now on. Hopefully this would be useful for taxation and also keeping track of portfolio. How about you? Have you used method like this or something else for the BCH monthly income calculation?

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@esmeesmith 15 November 2022

You Care but World Doesn't Care Have you seen the situation where you care about the world. But the world does not care about you? Have you been through various some of such situations where that happens? Like you care for people in family but they are only thinking of their own wellbeing and they ignore you and take you for granted? Often that happens when people have their own motive for the life in general and it can make life a bit more complicated. How does this work and how can we deal with this? So let's talk about how this happens. You give more priority to others You love family but if you do that too much they would walk over you. Same with friends and the siblings. You are going to be suffering a lot if you give more priority to other people. Your focus has to be on your own life. And some of the time that priority needs to be properly handled to manage the life in general. Some of the time that is what people are aiming for as well. You think others are good in this world You have to understand that other people are in this world for their own selfish reasons. If you take them as a good people then you have to understand that it woudl lead to nothing but problems. You make sure to keep some sort of the balance otherwise things are going to be pretty hard. Because good is pretty rare in this world and we have to keep our eyes and ears open for good and bad. World cares for thier own motives People want to live their life their own way. You go down the bus the world does not care. And the world would continue to move on. Some of the time that sort of the approach would not work in the long run. You have to think of the motive of your own and set the boundary and know other people don't cross yours and you don't cross theirs. So kind of like that move on slowly in balancing and not get you in the mind. How to deal with this? There is no fixed formula this can be done. You would be facing some of the worst issues of the life and that is because it all comes down to the adjusting with boundaries. Some of the time dealing with this is a pain. You can't get things done properly on time. And because of this dealing with this becomes lot harder. So we have to think of it in that direction. How do you deal with this?

@esmeesmith 13 November 2022

You Should Play P2P Games Last year I used to be bystander and was surprised at how other people are playing the games and earning money. I was on the fence with the axie infinity too and also I joined splinterlands very later. I realized that sooner you join, write about them and also create content, you benefit. There are various benefits of playing the p2p games and I feel it's reasonable to invest into them. If you happen to play them you benefit in many ways. In this post, we are going to discuss why one should play p2p games and how it's good for you. Writing for P2P Brings Traffic You can write about various games and also the progress that you have made and that could make you a good income. You can also get a goood traffic to those articles and that would be another income if you have links in them. When you write a lot about such games you kind of have authority over the content. And that would be something google would love to see on your website. Which is why you should write more on p2p games if you are into gaming. Writing on P2P can Build Portfolio If you are into the freelance writing, then writing for p2p can help you build the profile and that would add up on the portfolio. Some of the time that sort of the improvement in portfolio can help with income. So writing on p2p would be a good choice for you to write article that build the income. In short it can be a good option to add up on the resume and it would slowly build the income. STEEM, Hive can be Earned writing on P2P You can find many video, audio and text based platform that can earn you crypto. You can also write for steem, hive and other platforms and earn the respective crypto. You would be in much stronger position when you write for more places. It would add up income in over a year. Some of the folks have managed to put everything in auto pilot by writing on such sites and now earn from the stakes. Do you find writing on P2P useful? I have started into this pretty late for my age and that has kind of changed the way my life was meant to be. So I would recommend you to do the same. Write on p2p games and improve your writing authority. What do you think? Are you into writing about games?

@esmeesmith 11 November 2022

You need Health Insurance I recently learned that getting insurance late is not a good thing. Like I had to pay all the bills of the family member and things kind of like difficult for me to pay out with multiple jobs and also the amount was high. So that mde me think that only if I had taken the insurance early it could have saved me a lot of pain later. What are the benefits for getting the health insurance? In this post I wish to discuss why health insurance is necessary. Take Insurance Early When you take insurance in your 20s, you save up a lot of amount. And that kind of adds up in your savings as the age goes up. You can also help out during the odd times. Like your family member if added into the health insurance it would benefit you as well. So take it early if possible. When you do that you are going to save up on taxes too which we would discuss later. But overall there is always a saving when you take early insurance. Free incentives with Insurance Most of the insurance companies offer free checkups per year. Like you have some of the health concerns then you will get free incentives per year from them. Like say you get few free tests which helps with diabetes, thyroid and other diseases. You would be able to take that out of the claims from the insurance cover. Tax saving I am not sure if your nation allows it but when we take health insurance, we can add it in the deductions from tax each year. That is possible in our country. Some of the time it can be useful for saving tax. You can make use of the tax saving option and take insurance early which would help out in the savings too. You can save with tax and also add up on the people in family which would be a protection in odd times. What's your experience? I have taken the insurance late due to the financial reasons. And that made me think of the insurance as a safety net. I suggest you to take insurance early. What is your opinion on this?