To be successful in trading, one needs to understand the importance of and adhere to a set of rules that have guided all types of traders, with a variety of trading account sizes.  Each rule alone is important but when they work together the effects are strong. Trading with these rules can greatly increase the odds of succeeding in the Markets. We are going to look at each of the rules in details as follows:

  1. Risk only what you can afford to lose – One must be prepared to lose all the money allocated to a trading account. Therefore it is important not to allocate money meant for other obligations like Children’s college or paying mortgage to a trading account.
  2. Always use a Trading Plan – A trading plan is a written set of rules that specifies a trader’s entry, exit and money management criteria. Using a trading plan allows traders to do this even though it is time-consuming. You can test a trading idea before you risk real money. Backtesting applies trading ideas to historical data allowing traders to determine if a trading plan is viable, and also shows the expectancy of the plan’s logic. Once a plan has been developed and backtesting shows good results, the plan can be used in real trading. The key is to stick to the plan. Taking trades outside of the trading plan, even if they turn out to be winners, is considered poor trading and destroys any expectancy the plan may have had.
  3. Treat Trading like a Business – To be successful, one must approach trading as a full or part-time business not as hobby or as a job. As a hobby where there is no real commitment to learning, trading can be expensive. As a job it can be frustrating since there is no regular paycheck. Trading is a business and incurs expenses, losses, taxes, uncertainty, stress and risk. As a trader, you are essentially a small business owner and must do your research and strategize to maximize your business’s potential.
  4. Protect your Trading capital – This means that you should not take any unnecessary risks and doing everything you can to preserve your trading business but note that losing trades is part of business.
  5. Become a student of the Markets – Learning should be a continuous process. Traders need to remain focused on learning more each day. Understanding the markets and all of their intricacies is an ongoing, lifelong process.
  6. Use Technology to your advantage – Charting platforms allow traders an infinite variety of methods for viewing and analyzing the markets. Backtesting an idea on historical data prior to risking any cash can save a trading account, not to mention the stress & frustration. Getting market updates with smartphones allows us to monitor trades virtually anywhere. High speed internet connections can also increase trading performance.
  7. Develop a Trading Methodology based on Facts – Take time to develop a sound trading methodology. Develop your trading plan based on Facts, not emotions or hope.
  8. Always use a Stop Loss –A stop-loss is a predetermined amount of risk that a trader is willing to accept with each trade. The stop-loss can be either a dollar amount or percentage, but either way it limits the trader’s exposure during a trade. Using a stop-loss can take some of the emotion out of trading, since we know that we will only lose Y amount on any given trade. Ignoring a Stop-loss, even if it leads to winning trade, is bad practice. Exiting with a stop-loss and thereby having a losing trade, is still good trading if it falls within the trading plan’s rules. Although the preference is to exit all trades with a profit, it is not realistic. Using a Protective stop-loss helps ensure that our losses and our risk are limited.
  9. Keep Trading in perspective – It is paramount to stay focused on the big picture when trading. A losing trade should not surprise us if it is part of trading plan likewise a winning trade is just one step a long the path to profitable trading. It is the cumulative profits that make a difference. Once a trader accept wins and losses as part of the business, emotions will have less of an effect on trading performance. Setting realistic goals is an essential part of keeping trading in perspective. If a trader has a small trading account, he/she shouldn’t expect to pull big returns.
  10. Lastly know when to Stop Trading – There are two reasons to stop trading: an ineffective trading plan and ineffective trader. An ineffective trading plan shows much greater losses than anticipated in historical testing. Markets may have changed, Volatility within a certain trading instrument or the trading plan simply is not performing as well expected. You should remain unemotional, and take time to re-evaluate the trading plan and make a few changes or to start over with a new trading plan. An unsuccessful trading plan is a problem that needs to be solved. It is not necessarily the end of the trading business. An ineffective trader is one who is unable to follow his or her trading plan. External stress causes, poor habits and lack of physical activity can all contribute to this problem. A trader who is not in peak condition for trading should consider a break to deal with any personal problems be it health or stress that prevents the trader from being effective. After dealing with the difficulties the trader can resume trading.

Bottom Line

It is important for any trader to understand each of these trading rules and how they work together. A good understanding of these rules, can go along way in helping traders establish a viable trading business. Remember that having a successful trading is all about hard work, discipline and patience to follow these rules. Join our Newsletter List.


Before you can start making money online blogging, you need to have a blog. There are different platforms that can host your blog. Some of them include: IpagePressable Managed WordPress hosting. It is easy to set up a blog. It is a simple process that does not even need prior experience. All you need to do is follow the step by step procedure. But if you are new to blogging it is recommended you start with free WordPress hosting, then upgrade after sometime to self hosting though this wholly depends on you. 15 Ways to make money on your blog

We can now discuss ways in which you can make money online. Note that these are not quick schemes to make money, you will need to dedicate your time and effort to have a good blog that can attract enough traffic which you can monetize.

Some of the ways that have been proven and are legit to make money online blogging include but are not limited to:

  • Google Adsense – Google Adsense is one of the best ways to make money on your blog. Although they have strict approval requirements . You have to meet these requirements to be allowed to display their ads on your blog. After approval, they will give you a script to add on your blog. Thereafter their ads will start displaying on your blog. They pay you every time a visitor to your blog clicks on their ads i.e. CPC ( Cost Per Click).  Infolinks-best alternative to Google Adsense
  • Sell Sponsored Blog posts – This works in similar to TV shows. A company pays you to represent their product, talk about it and promote it to your readers. To get started, put together a one-page media kit that details your traffic stats, social media following, audience demographics, then approach companies to negotiate a sponsorship deal. Take note of laws in your area about disclosure with regard to publishing sponsored posts. Receive Payments Faster from your online work with Payoneer.
  • Get Paid to Write Reviews – This is similar to sponsored posts. Here you look for products related to your niche and get paid for writing a review. Simply approach companies that you feel you can write reviews on their products. We have websites that help you to connect with businesses that you can write reviews on their products, e.g. SponsoredReviews.
  • Make Money with Affiliate Marketing – Affiliate marketing is recommending a product or service to your audience using special tracking links, and then get a referral commission for every time someone buys after clicking your link. Some of the affiliate Networks include: AmazonPeerflyEbayAlibabaCommission JunctionShareasale etc. You can also check Affiliate resources for more information on what you can promote.
  • Use a WordPress Plugin to sell Ads directly – Selling banner ad space on your website can be better instead of relying on intermediaries who take a big portion of the advertising revenue. Here you negotiate the price & terms on your own and take care of invoicing. You can manage this process with WordPress ad management plugin. BuySellAds WordPress Plugin gives you a simple way to insert the ads on your site with widgets and short codes.
  • Sell E books – These are digital products. They are simple to write and produce. In fact you can compile your blog posts and turn them into chapters in a book. Once your book is written, you can design a cover using Canva and create a PDF of your book.  You can sell digital products with a plugin like the WP E-commerce Plugin. For digital downloads you can use Easy Digital Downloads With this 2 you can easily set up an online store.
  • Sell Online courses – Courses usually sell for much higher price point than E books. You will need to create the lessons for your course with the supporting materials such as downloads, slides, checklists, templates etc. You need also to decide if you want to offer personalized support for your course or not. Support can be like an Email Support. To manage your course, you can use a Learning Management System Plugin to deliver the course to your audience.
  • Create a Paid Membership Website –Here your audience pay to access a certain content or areas of your site. You can create a members only area where they are willing to pay to read more of your work i.e. enables them to share more in-depth blog posts, downloads, videos, audio content etc. You also need continually create premium content for your paying members. This can be  lucrative since it has recurring revenue through subscriptions. To create a membership site with a WordPress plugin like this one Membership 2 plugin.  Another way is to create private forums that users must pay to get access to. To get started, you can use bbpress plugin
  • Create A Directory Site – Here you charge visitors to advertise their listings on your site. For example, you can create a paid business Directory like a local or niche directory. Directories can gather reviews of local businesses, share the best podcasts on a given topic or list the best products in a certain niche. For this you need a Business Directory Plugin for WordPress.  Another option is to create a paid job board. Companies who want to advertise an open position to your audience can pay you to submit a listing. To create a successful job board, try to narrow down to a specific niche.
  • Create an Event Calendar With Paid Submission –Here you create an event calendar where you charge people to advertise their events. This works well if you have an already established audience, because businesses will be willing to pay to reach your audience. This works well for local or industry-specific websites. You can choose to advertise events in your local city, conferences in certain industry or even webinars or live streaming events. To set up this, you need WordPress Event calendar Plugin
  • Host a Paid Webinar  – Webinars is a great tool to build your audience hence growing your business. Webinars are similar to online courses, but a webinar is live and normally it includes a question and answer section.  With WordPress you can easily host a paid Webinar. For this you need a plugin like WP Webinar System.
  • Offer freelance Services – As a blogger, you are an expert in your niche. You can earn income by offering your skills and expertise as a freelancer to your current audience. As a freelancer, you will need to have a way of invoicing and collecting payments from your clients. One of the plugins you can use for this is WP invoice Plugin
  • Start Your own consulting Business –A consultant offers advice and strategy to their clients to enable them become more effective in their areas of endeavors. Here you don’t need any start-up investment. You can start offering consulting services on your blog now by creating a page with a form so users can request more information.  To easily get started with a professional, mobile friendly form, you can choose WPForms
  • Start an E Commerce Business – You can create an online store for your products but it requires quite more work since you need to create or buy the products and then ship them out yourself. To get started you need a WooCommerce Plugin
  • Create a WooCommerce Drop shipping store – Drop shipping allows to create an e-commerce store on your site without having to handle the inventory or ship items yourself. With Dropshipping, you create the store, manage the website, and customer service. But a Dropshipping service will take your orders and ship them out to your customers. They are invisible third-party that your customers don’t even know about. You can use the WooCommerce plugin to implement a dropshipping store. Note that you need to find a good supplier to work with.  With a Premium WooCommerce Amazon affiliates plugin you can create an Amazon affiliate store using WooCommerce.

Bottom Line

The above are just but some of the best ways you can monetize your Website/blog. There are more other ways that we have not mentioned in this post. What we have discussed can be implemented by any blogger or website owner who wants to make some extra money online. You can share with us some ways we may have left out in the comment section.


These are some of the most popular plug-ins that should have on your blog. 

    • Akismet –This plugin checks your comments against Akismet Web service to see if they look like spam or not and lets you review the spam that it catches under your blog’s comments admin screen.
    • All in one SEO pack – WordPress SEO plugin to automatically optimize your WordPress blog for Search Engines
    • Contact Form 7 – This plugin can manage multiple contact forms, in addition, you can customize the form and the mail contents flexibly with simple markup. The form supports Ajax-powered submitting CAPTCHA, Akismet spam filtering etc.
    • Google XML Sitemaps – This plug-in will generate a special XML Sitemap which will help Search Engines like Google, Bing, Yahoo and to better index your blog. With such a sitemap, it is much easier for the crawlers to see the complete structure of your site and retrieve it more efficiently.
    • WP Super Cache – This plugin generates static html files from your dynamic WordPress blog. After a html file is generated your webserver will serve that file instead of processing the comparatively heavier and more expensive WordPress PHP scripts. WordPress Plugins
    • NextGEN Gallery – It provides a powerful engine for uploading and managing galleries of images, with the ability to batch upload, import meta data, add/delete/rearrange/sort images, edit thumbnails, group galleries into albums etc.
    • WPtouch – This plugin automatically transforms your WordPress website for mobile devices, complete with ajax loading articles and smooth effects when viewed from popular mobile web browsing devices like the iPhone, iPod touch, Android mobile phones, BlackBerry OS6+ mobile devices etc.
    • Google Analytics for WordPress – With this plugin you can Track your WordPress site easily with lots of metadata views per author & category, see automatic tracking and of outbound clicks and page views.
    • WordPress Importer – Imports pages, comments, custom fields. categories, tags and more from a WordPress export file.
    • Jetpack by – Jetpack is a WordPress plugin that supercharges your self-hosted site with the cloud Power of
    • WP-PageNavi – This plugin provides the wp_pagenavi() template tag which generates fancy pagination links.
    • Fast Secure Contact Form – This plugin allows a webmaster to easily create and add contact forms to WordPress. This contact form will let the user send emails to a site’s admin, and also send a meeting request to talk over phone or video. An administration panel is present where the webmaster can create and preview unlimited forms.
    • Share Buttons By Lockerz/AddToAny – This Plugin will help you share, bookmark, and email your posts and pages using any service such as Facebook, Twitter, StumbleUpon, Google, Digg, Delicious and over 100 sharing and social bookmarking sites.
    • WordPress SEO by Yoast –This plugin helps you improve your WordPress SEO, write better content and have a fully optimized site.
    • WP e-Commerce – WP e-commerce is a shopping Cart plugin that lets customers buy your products, services and digital downloads online.
    • Yet Another Related Posts Plugin (YARPP) – This plug-in gives you a list of posts and or pages related to the current entry, introducing the reader to other relevant content on your site.
    • Google Analyticator – This one adds the necessary JavaScript code to enable Google Analytics logging on any WordPress blog. This eliminates the need to edit your template code to begin logging.  Google Analyticator also includes several widgets for displaying analytics data in the admin and on your blog.
    • TinyMCE Advanced –  This plugin adds 16 plugins to TinyMCE. Advanced HR, Advanced image, Advanced Link, Advanced List, Context Menu, Emotions (Smiles)., Date and Time, IESpell, Layer, Nonbreaking, Print, Search and Replace, Style, Table, Visual Characters and XHTML Extras.
    • Really Simple CAPTCHA – This plugin does not work alone, it is intended to work with other plugins. It is originally created for contact Form 7, however you can use it with your own plug-in.
    • Sociable – After introducing Sociable skyscraper, the ultimate advanced and feature-packed plugin for setting up a rating system on your WordPress blog. It is a sort of banner that reminds your readers to spread the word. You can select and customize several features such as text, color and length in order to ensure your readers and their friends a great sociable Experience.
    • WP to Twitter – This enables you to automatically posts a Tweet from your WordPress blog to Twitter using your URL shortening service to provide a link back to your post from Twitter.
    • GTrans – It makes your blog available to the world using Google Translate.
    • AddThis – This is  a social Bookmarking Widget that allows a visitor to bookmark and share your site easily with over 330 popular services.
    • Broken Link Checker – This plugin will monitor your blog looking for broken links and let you know if any are found.
    • Smart YouTube Pro – Smart Youtube is a professional WordPress Video plugin that allows you to easily insert Videos/playlists into your post, comments and in your RSS feed.
    • WP-DB-Backup – WP-DP-Backup allows you easily to back up your core WordPress database tables. You may also backup other tables in the same database. Secure and Backup your Blog with Jetpack
    • WP-Polls – This is extremely easy to customize via templates and css styles and there are many options you can choose from to ensure WP-polls runs the way you want.
    • Redirection – This is a WordPress plugin to manage 301 redirections, keep track of 404 errors, and generally tidy up any loose ends your site may have. This can be useful especially when you are migrating from an old website or changing the directory of your WordPress installation.

    • BuddyPress – This plug-in lets users sign-up and start creating profiles, posting messages, making connections, creating and interacting in groups and much more.
  • W3 Total Cache – Improves site performance and user experience via caching: browser, page, object, database, minify and content delivery network support. Check reputable affiliate/ads Networks.


What do successful people do that sets them apart from the other people? Actually, success comes down to emotional intelligence more than anything else. In this post, we are going to look at how successful people use this skill to achieve their dreams. Ultra successful people portray some of the following qualities:  Simple habits of Ultra Successful People

  • They speak with certainty – Ultra Successful people speak assertively because they know it is difficulty to get people to listen to you if you can’t deliver your ideas with conviction.
  • They are deliberate – Ultra successful people reach decisions by thinking things out, seeking advice from others and using it to make logical decisions. They know that impulsively relying too much on gut instinct is ineffective and misleading. They are able to slow down and logically think things through.
  • They are composed – They are composed because they constantly monitor their emotions; they understand them, and they use this knowledge in the moment to react to challenging situations with self-control. When things go the way they didn’t expect, they are persistently calm and content. They know that no matter how good or bad things get, everything changes with time. All they can do is adapt and adjust to stay happy and in control.
  • They use positive Body language – They are cognizant of their gestures, expressions, and tone of their voices knowing very well that this is what draws people to them. Using an enthusiastic tone, not crossing your arms, maintaining an eye contact and leaning towards the person who’s speaking are all forms of positive body language that ultra-successful people use to draw others in . Note, that Positive body language makes all the difference in a conversation because the way you say something can be more important that what you say.
  • They are knowledgeable – They seek continuous learning through self-education. They are always looking for opportunities to improve and new things to learn about themselves and the world around them.
  • They leave a strong first impression – First impressions are tied intimately to positive body language. A strong posture, a firm handshake, a smile and open shoulders help ensure your first impressions is a good one.
  • They seek out small victories – Small victory builds motivation for taking greater challenges, also when you achieve a series of small victories, there is a boost in your confidence. Successful people like to challenge themselves and compete, even when their efforts yield only small victories.
  • They are honest – They know that honesty enables genuine connections with people in a way that dishonesty can’t and that lying will always come back to bite you in the end.
  • They are graceful – Graceful people are strong and gentle. It is the gentleness of being graceful that gives the successful people their power. They are approachable, likable and easy to get a long with.
  • They are grateful/appreciative – Successful recognize others for their contributions towards them being successful. They also appreciate the opportunities that life has given them.
  • They are fearless – Fear is in fact a lingering emotion fueled by your imagination. Fear is a choice. Instead of letting fear take over, successful people are addicted to the euphoric feeling of conquering fears. Join our Newsletter List.


Succeeding in blogging as an online venture depends so much on the amount of traffic that is visiting your site. The higher the number of visitors to your blog, the better for your online business. There are several ways in which you can generate Traffic to your blog. In this article, we are going to look at different ways in which you can generate free traffic to your blog as detailed below:10 Ways to drive free traffic

  • Social Media – Social media networks like Twitter, Facebook, Instagram, Pinterest, Tumblr, LinkedIn etc. can be a major source of free traffic if used well. All you need to do is post your blog post link on any of these social networks, whenever a person visits your site through a link posted on social network, it is treated as a free traffic. But this doesn’t come that is easy, you will need to time engaging your followers in the comment sections, and replying to their questions or queries to build a reliable traffic base. Your followers need to see you as someone they can interact with freely and learn from. Also you need to have a quite a large following on these networks to be able to get a reasonable traffic from them.
  • Search Engine – This can be one of your major traffic sources. The Search Engines includes Google, Bing and Yahoo. Most of the successful bloggers in fact use Search Engines as the main source of traffic. But for you to benefit from Search Engine free traffic, you have follow Search Engine Optimization (SEO) Techniques. Some of the Techniques include, On Page Optimization, which if followed well,  may see your blog pages or posts ranked high in Search Engine Results Page (SERP), and thus you get high volume traffic to your blog.
  • Email Marketing – If you want to generate highly targeted, free traffic to your blog, that is relevant to your blog content, then email marketing is a good option. This involves building an email list. To achieve good results, you need to entice your visitors by offering free Newsletters, or E-books. Once you build your email list, you can pursue email marketing. You can send emails to these subscribers with links to your latest blog posts. When the users clicks on these links, then are directed to your site. The advantage of Email Marketing is that it goes a long way in helping you build a fruitful and long-lasting relationship with your visitors.
  • Guest Blogging – Guest posting is also a free traffic source. You need to select high quality blogs in your niche that have a good traffic for your guest posting. When your guest posts are approved, they are then published. To be able to benefit from the traffic from those blogs where you are guest posting, you can include one or two back links such as from the author bio section or from within the guest post. Guest blogging also helps you build back links for search engine optimization. Infolinks-best alternative to Google Adsense
  • Forum Posting – Forum posting/Forum Marketing is where you share your views, opinions and expertise as well as ask & answer questions on topics relevant to your niche, you then leave behind your identity signature that carries a link to your site or blog post. These forums usually have a large audience base where people participate in discussions. If you actively participate in these forums, you can benefit from these large audience by driving them to your blog besides benefiting from back links.
  • Video Marketing – Nowadays videos are getting more popular with most of the internet users. You can use Video marketing as one of your strategies to drive traffic to your blog. You develop a video that is relevant to your blog’s niche and upload to sites like YouTube or Vimeo. In the description section, you can include a link or two pointing to your site. When users watch videos posted by you, they also get links to your blog. Once they click on these links, they arrive at your site or blog hence bringing in more traffic to your blog.
  • Blog Commenting – This is similar to Forum Marketing though the only difference is you are commenting on the blog. With good blog commenting, you can build up your brand value. Regularly commenting on blogs helps you to build your relationship with other bloggers. You are seen as an expert who has authority on the subject in which you are commenting. You can leave  a link to your blog where necessary in the comment section. This can bring free traffic to your blog.
  • Document sharing sites – These are sites used to host PDF files or any other documents. All you need to do is to upload PDF documents, which can be downloaded by other people. You can attach a link to your site from within the PDF document. This will enable you to drive traffic to your blog.
  • RSS Aggregators – These are websites which collects/aggregates blog post. You need to list your site in a RSS Aggregator and your latest blog post will be shown on their website. The advantage here is that you get an opportunity to access  a larger readership base.

  • Q&A Traffic – Q/A sites like Quora, Yahoo answers can be used to drive traffic to your site. When you answer questions in your niche, you have an opportunity to place a link to your site in the references section.  This can boost your traffic when people visit your blog for more information.


For you to best invest your money in stocks, there are parameters that you must check when analyzing the stocks.

Here we take a look at factors that you should check, when doing financial analysis, valuation analysis, business & industry analysis & management analysis.


  • Sales growth – Growth should be consistent year on year. A growth of >15% for say last 7-10 years. Ignore companies where sudden spurt in sales in one year is compounding the 10 years performance. Very high growth rates of >50% are unsuitable.
  • Profitability – Look for companies with sustained operating & net profit margins over the years. A Net profit margin >8%
  • Tax Payout – Tax rate should be near general corporate tax rate unless some specific tax incentives are applicable to the company.  Tax payout of >30%
  • Debt to Equity Ratio – Look for companies with D/E ratio of as low as possible. Preferably zero debt.  D/E ratio should be <0.5
  • Interest Coverage should be >3
  • Current ratio >1.25
  • Cash Flow – Positive CFO is necessary, CFO >0
  • Cumulative PAT vs. CFO – Cumulative PAT & CFO should be similar for last 10 years i.e. cPAT∼cCFO


  • Ensure P/E ratio <10, companies with such a P/E ratio provide a good margin of safety.
  • P/E to Growth ratio <1
  • Earnings Yield (EY) >10 year G-sec yield – EY should be greater than long-term government bond yields or bank fixed deposit interest rates.
  • P/B ratio <1 especially for financial services sector
  • Price to sales ratio (P/S ratio) <1.5 – For example you can buy when the P/S ratio is <1.5 and sell if >3
  • Dividend Yield (DY) >0% The higher the better. DY of > 5% is very attractive. But do not put much focus on DY for companies that are in a fast growth phase.


  • Comparison with industry peers – The company should show sales growth higher than peers. If its sales growth is similar to peers, then there is no competitive advantage.
  • Increase in production capacity and sales volume – Company mush have shown increased market penetration by selling higher volumes of its product/service.
  • Conversion of sales growth into profits – A more competitive firm would show increased profits with increasing sales. Otherwise, sales growth would  only be a result of unnecessary expansion or aggressive marketing push, which can erode value in the long-term.
  • Conversions of profits into cash – if cPAT>>cCFO then either the profits could be fictitious or the company isn’t collecting money from its sales.
  • Creation of value of shareholders from the profits retained – The company should show increase in Market Capitalization in the last 10 years. Increase in retained profits in the last 10 years. Otherwise the company is destroying the wealth of its shareholders.


Subjective parameters

  • Background check of promoters & directors – You can do a web search on this. There shouldn’t be any information questioning the integrity of promoters & directors.
  • Management succession plans – Good succession plan should be in place. Salaries being paid to potential successors should be in line with their experience.

Objective parameters

  • Salary of promoters vs. net profits – No salary increase with declining profits/losses. The promoters should not have a history of seeking increase in remuneration when the profits of the company declined in the past.
  • Consistent increase in dividend payments – Dividends should be increasing with increasing profits of the company.
  • Project execution skills – The company should have shown good project execution skills with cost and time overruns. Exclude capacity increase by mergers & acquisitions.
  • Promoter shareholding should be >51% the higher the better.
  • Promoter buying the shares – if the promoter of the company buys its shares, investors should buy too.
  • FII shareholding ∼0% the lower the better.


  • Product diversification – Company should be either a pure play ( only one business segment) or related products. Pure play model ensures that the management is specialized in what they are doing.  Refrain from buying into companies offering entirely different unrelated products/services. An investor should rather buy stocks of different companies, if he/she wants diversification.

  • Government Influence – There should be no government interference in profit-making. No cap on profit returns or pricing of product. No compulsion to supply to certain clients.  Join our Newsletter List

Bottom line

If you diligently follow these parameters by investing in stocks that promise good fundamentals, and doesn’t spend so much on them then you can be assured of good returns from your investments over time. However, the above parameters aren’t the complete list of what should look for when picking stocks. You should read further about investment analysis and you can add or even remove some of the above parameters per your understanding.


Here are tips on how to best invest your money.

  • Focus on the fundamentals – Always make sure you understand the fundamentals of any investment vehicle you are looking at, be it stocks, bonds, or mutual funds. Understanding the fundamentals and comparing them to competitors can go a long way in helping you make a sound investment decision.  
  • Understand the risk – Out there, you will find a lot of tips and tricks on how to best invest your money but they all come with their own relative degree of risk. The opportunity for high returns comes with a higher relative degree of risk, so your tolerance for actually losing money is something you need to consider. You need to understand where your risk threshold stands to be a good investor.
  • Investment and Management fees – Make sure you keep a close eye on the terms and conditions of your brokerage account and the management fees of any funds you invest in otherwise you may discover when it is too late that your gains are being eroded by the costs of investing. Make sure the brokerage account you are using has the lowest cost structure available for your needs. Also take a good look at the management expense rate charged by investment funds or mutual funds you put money into. Try to make a comparison with their competitors to avoid those funds with extra unnecessary costs.
  • Look for Tax Treatments  – Tax treatment of your investment is an important aspect to look at since it doesn’t make sense if you are going to pay more in taxes on your investment than the expected return.

  • Diversify Your Portfolio –Don’t put all your eggs in one basket when investing. Having all of your investments in  a single market or a single industry exposes you to downturns in those sectors that can cost you significantly. Diversifying your investments into different sectors like Manufacturing, Oil and Gas, Technology while at the same time investing in different geographical regions i.e. Europe, America, Asia can protect you from poor performance in any individual sector and ensure that you benefit from the sector upturns in a maximum way. Join our Newsletter List.


A WordPress site with a good speed ensures fast loading pages that improves user experience, hence increased page views and a better SEO.


You have very little time to show users your content and convince them to stay on your site. A slow website means users will potentially leave your website before it even loads. This will translate to reduction in conversions, page views and customer satisfaction besides Google and other search engines penalizes slower websites by pushing them down in the search results which means lower traffic for slower websites. Therefore to ensure more traffic, subscribers, and revenue from your website, you have to make it load faster.

You can test your website speed using a tool like Pingdom This is  a free online tool that allows you to test your website’s speed from different locations. A good page load time is under 2 seconds. However the faster you can make it, the better it is. A few milliseconds of improvements can reduce even up to a second of your load time. How to improve the WordPress site Speed and Performance


The primary causes for slow WordPress website are:

  • Web Hosting – When your web hosting server is not properly configured it can hurt your website speed.
  • WordPress Configuration – If your WordPress site is not serving cached pages, then it will overload your server thus causing your website to be slow or crash entirely.
  • Page Size – Mainly images that aren’t optimized for web
  • Bad Plugins – If you are using a poorly coded plugin, then it can significantly slow down your website.
  • External scripts – External scripts such as ads, font loaders can also have an impact on your website performance.


Your WordPress hosting service plays an important role in website performance. A good hosting provider like IPAGE takes the extra measures to optimize your website for performance.

Shared hosting providers like blue host and Siteground also makes sure that they provide an optimized website performance however on a shared hosting you share server resources with many other customers. This means that if your neighboring site gets a lot of traffic, then it can impact the entire server performance which in turn will slow down your website.

On the other hand using a Managed WordPress hosting service gives you the optimized server configurations to run WordPress. Managed WordPress hosting offers automatic backups. automatic WordPress updates, and more advanced security configurations to protect your website.

I would recommend Pressable as the preferred Managed WordPress hosting provider.


  • INSTALL A WORDPRESS CACHING PLUGIN – WordPress pages are, dynamic, this means they are built on the fly every time someone visits a post or a page on your website. To build your pages, WordPress has to run a process to find the required information, put it all together, and then display it to your user. This process involves a lot of steps, and it can really slow down your website when you have multiple people visiting your site at once. That is why Caching plugin is recommended for WordPress users. Caching can make your WordPress site 2 to 5 times faster. Instead of going through the whole page generation process every time, the caching plugin makes a copy of the page after the first load, and then serves that cached version to every subsequent user.

From the graphics above, when a user visits your WordPress site, which is built using PHP, your server retrieves information from a MySQL databases and your PHP files, and then it is all put together into a HTML content which is served to the user. To avoid the long process you can use the caching instead.  The recommended caching plugin that you can use is the WP Super cache plugin. Please note that, if you are using a Managed WordPress hosting then you don’t need a caching plugin because this is taken care of.

  • OPTIMIZE IMAGES FOR SPEED – Images brings life to your content and help boost engagement but if your images aren’t optimized, they could be hurting more than helping. In most cases, non-optimized images are one of the most common causes of speed issues on new websites. Before you upload a photo directly from your phone camera, use photo editing software to optimize your images for web. In their original formats, the photos have huge file sizes. But based on the image size format and the compression you choose in your editing software, you can decrease your image by up to 5 times. We have 2 image formats that you can use JPEG and PNG. PNG image format is uncompressed. When compressed an image loses some information, so an uncompressed image will be higher quality with more detail. The downside is that it is larger file size, so it takes longer to load.  JPEG on the other hand, is a compressed file format which slightly reduces image quality, but it is significantly smaller in size.  You can decide which photo to use basing on the following factors:
  • If our photo or image has a lot of different colors, then we use JPEG
  • If it is a simpler image or we need a transparent image,then we use PNG

Majority of the images are JPEGs. Below is a comparison chart of the file sizes and different compression tools.

From the chart above, the image format you use can make a big difference on your website performance.


  • Keep your WordPress website updated – As a well maintained open source project, WordPress is updated frequently. Each update will not only offer new features, but also fix security issues and bugs. Your WordPress theme and plugins may have regular updates too. As a blog or website owner you need to keep your WordPress site, Plugins, and Themes updated to the latest versions. If you don’t do so, it makes your site slow and unreliable, and also makes the site vulnerable to security threats.
  • Use Excerpts on Homepage and Archives – By default WordPress displays the full content of each article on your homepage and archives. This means your homepage, categories, tags and other archives will load slower. Also if you show full articles, users don’t feel the need to visit the actual article. This can reduce your page views and the time your users spend time on your site. In order to speed up your loading times for archive pages, you can set your site to display excerpts instead of full content. Navigate to Settings >>Reading and select ” For each article in a feed, show: Summary instead of Full text   

  • Split Comments into Pages – It is good to get lots of comments on your blog posts, since it shows audience engagement. But this has its downside, as the loading of all comments can impact your site’s speed. To avoid this, Simply go to Settings  >> Discussion and check the box to the ” Break comments into pages” option.

  • Use a Content Delivery Network (CDN) – Having noted that users in different geographical locations may experience different loading times on your site, CDN can help you overcome this problem.  Different loading times occurs because the location of your web hosting servers can have impact on your site speed. E.g. If your web hosting company has its servers in the UK. A visitor who is also in the UK will generally see faster loading times than a visitor in India. Using CDN can help speed up loading times for all of your visitors. A CDN is a network made up of servers all around the world. Each server will store ” static” files used to make up your website. Static files are unchanging files such as images, CSS, and JavaScript, unlike your WordPress pages which are dynamic. When you use a CDN, every time a user visits your website they are served those static files from whichever server is closest to them. Your own web hosting server will also be faster since the CDN is doing a lot of the work.
  • Don’t upload Videos directly to WordPress – Although you can directly upload videos to your WordPress site, and it will automatically display them in an HTML 5 player, you should never do it. Hosting videos will cost you bandwidth. You could be charged overage fee by your web hosting company, or they may even shut down your site altogether, even if your plan includes ”unlimited” bandwidth.  Hosting videos also increases your backup sizes tremendously, and makes it difficult for you to restore WordPress from backup. To avoid this, you should use a video hosting service like YouTube, DailyMotion, Vimeo etc. WordPress has a built-in-video embed feature, so you can copy and paste your video’s URL directly into your post and it will embed automatically.
  • Use a Theme optimized for speed – Pay attention to speed optimization when shopping for a website’s theme. Go for a simpler and quality theme to get the features you need.
  • Use a Faster Slider Plugin – using a poorly coded slider plugin will lead to your website loading slowly.
  • Use a Faster Gallery Plugin – In case you have a photography website then you’ll probably use an image gallery plugin to display photos.  Make sure you use a WordPress gallery plugin that is optimized for speed like Envira gallery which is one of the best WordPress gallery plugin. It allows you to create beautiful image galleries that are fast to load.


These tips require more technical knowledge since they will require you to modify your site files or have a basic understanding of PHP. You will need to backup your site.

  • Split long Posts into pages – Some readers tend to love long blog posts that are more in-depth. Longer posts even tend to rank higher in search engines but publishing long posts or articles with lots of images could increase your load time. Instead, consider splitting up your longer posts into multiple pages.  WordPress comes with built-in functionality that can do that. Simply add the tag<!––nextpage––> in your article where you want to split it into next page. Do that again if you want to split the article on to the next page as well.
  • Reduce External HTTP Requests – Many WordPress plugins and themes load all kinds of files from other websites. These files can include scripts, style sheets, and images from external resources like Google, Facebook, Analytics services etc. It isn’t a problem to have some of them on your site. Many of these files are optimized to load as quickly as possible so it is faster than hosting them on your own website. But if your plugins are making a lot of these requests, then it could slow down your website. You can reduce all these external HTTP requests by disabling scripts and styles or merging them into one file.
  • Reduce Database calls – Poorly coded WordPress themes end up making direct database calls, or too many unnecessary requests to the database. This can really slow down your server by giving it too much work to do.
  • Optimize WordPress Database – After using WordPress for a while, your database will have a lots of information that you probably don’t need any more. For improved performance, you can optimize your database to get rid of all the unnecessary information. This can be managed with the WP-Sweep Plugin. It allows you to clean your WordPress database by deleting things like Trashed posts, revisions, unused tags etc. It will also optimize your database’s structure.
  • Limit Post revisions – Post revisions take up space in your WordPress database. If the plugin doesn’t specifically exclude post revisions, it might slow down your site by searching through them unnecessarily. You can easily limit the number of revisions WordPress keeps for each article. Simply add this code to your wp-config.php file:   define( ‘WP_POST_REVISIONS’,  4); This coded will limit WordPress to only save your last 4 revisions of each post or page and discard older revisions automatically.
  • Disable Hotlinking and Leaching of your content –Your content can easily be taken by other people. This can happen when other sites serve your images directly from their URLs on your website, instead of uploading them to their own servers. They are in fact stealing your web hosting bandwidth without you getting any traffic out of it.  You can block hotlinking of images from your WordPress site. Get more help on how to do this from your WordPress host. Monetize your Website/Blog.


  1. When listing your work experience, commence with your most recent or current position. Some CV writers erroneously start from the beginning and go in chronological order. Such bizarre practice has your first listing as say a simple administrative job you held after college instead of the impressive head of operations post you currently hold. Please note that the readers hold the primacy effect in their minds. They remember the first of what they read, which forms their general impression about you. Human resources departments spend also spend only an average of 7-10 seconds per CV to determine whether a candidate proves interview-worthy, then throw out your document therefore it is important that you list your most impressive accomplishments first in each section. Since recent positions likely stand as more impressive than long ago roles. Every credible career coach recommends listing your newest experience first. 
  2. Incorporate your work experience items into tables, not utilizing tabs and spacing to separate jobs, work locations and dates of employment. Then list your major duties and accomplishments for each current and previous position using bullet points.  Pick a bullet point style and stick with it throughout the entire CV. Avoid changing your format.
  3. Do not include so many details by over writing. Have brevity in your writing, by showcasing the necessary interesting facts, not everything you did in your job. A CV should ideally not contain more than 3 or maximum 4 bullet points per position.
  4. Understand the right balance between too many pretty details about your previous jobs versus outstanding responsibilities and skills acquired. Most job seekers take up one or two of their valuable allowed bullet points by listing meaningless tasks involved in each of their  positions. Example: A business development manager might erroneously list the following tasks next to his/her position: Answered phone calls, Interacted with clients, and drove to clients meetings. This entire sentence proves meaningless, since these are obvious tasks that accompany a business development job. What should be stated must include actual accomplishments such as I led my department to over $1M in actualized sales during my first fiscal year. Then follow-up with major skills utilized like: Mitigated client unrealistic delivery expectations with a calm negotiation skills that let to a 60% increase in customer satisfaction.
  5. When emphasizing your work accomplishments, utilize action verbs, not simple verbs. Avoid simple verbs such as: am, is, are, was, were, be, being, do, did, does etc. Instead bring your text to life with action verbs: achieved, exceeded, served, empowered etc.
  6. Do not just list all the trainings  you’ve undertaken unless one might result in  a major international accreditation or stands out as highly and strongly desired by your employers. Instead highlight actual accomplishments.
  7. Incorporate proper tenses when listing your accomplishments and main responsibilities or work experience. Make your verbs current ( oversee, plan, Supervise) or past tense( oversaw, planned, supervised). Only utilize present tense when discussing your current role: Manage a large diverse team, involve employees in bottom-up strategic planning etc. When you are presenting past jobs, state everything in past tense: Disciplined errant field supervisors, advised board of directors on appropriate client acquisition strategies etc.
  8. Once you have some years into your career, you’ve held substantial responsibility-laden posts, remove low-level campus jobs from your CV that you held during your university days.
  9. No one enjoys reading a long CV. So watch out your CV length and realize that less detail often results in a more positive reader experience.
  10. Lastly, always proofread your CV before you send it to a prospective employer. If you do so, you will likely notice a mistake or a way to better phrase an experience on every single line. Spend some extra time proofreading and reap higher employer response rates.


The following tips can help you unlock your potential:

  • Define success – What does success means to you?  Does it mean being financially stable? owning a home? Success depends on your own ability and determination to work hard. Define your success and work towards achieving it.   Ways to unlock your potential
  • Set realistic goals – Don’t be over excited and set big, unrealistic goals forgetting that you need to make sure they are realistic and attainable. Start small as you look to setting and achieving bigger goals. No goal or milestone is too small or insignificant.
  • Believe in yourself – Self belief can take you to places and makes you seek opportunities you never thought you would.
  • Have the right attitude – Your attitude will determine the amount of effort you will put in achieving success. It will also help you carry out your role effectively and to do more than you have been assigned. Your attitude is what will guide you when things get tough, and failure comes.
  • Seize opportunities along the way – Don’t let opportunities pass you, make the best of use of your environment to create a livelihood for your self and family.
  • Don’t shy a way from asking for help – Your weakness is someone  else strength therefore ask for help where necessary. Learn from one another, this will go along way helping build each other.
  • Focus on the future – Don’t focus so much on your current life but rather use it to prepare for a better tomorrow. Work hard now for a better tomorrow.
  • Be challenged – Challenges will help you get out of your comfort zone and enable you to be creative besides enabling you to grow.
  • Go the extra mile – Going an extra mile, is what differentiate an ordinary and an extraordinary individual. Learn to do more than is expected of you.
  • Have a reputable character – Be someone people can look up to . Develop your space and gain respect for being who you are.

  • Lastly surround yourself with the best  – Have friends that can challenge you to achieve more.