Financial Skills – Opening a Bank Account

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I was surprised when I asked parents to tell me the life skills they wish their kids knew, and there was a resounding request for kids to learn how to open a bank account.

Similarly, there was a huge call out for:

  • How to budget & balance accounts
  • How to write checks and pay bills
  • And how to start saving for retirement

It seems some of the things we take for granted are, as a result, missing from what we teach kids.

This article is the first article in the four-part series and will discuss the best and simplest way to get started with opening a bank account.

It seems easy, but there are several questions many people never think of that we’ll address in this article:

  1. Which bank?
  2. Checking or savings account?
  3. Are there fees or minimum balances?
  4. Should I get a Debit Card too?
  5. Should I have my name on the account with my kid?

1. Choosing a Bank

When you choose a bank, there are a few criteria you’ll want to look at:

  1. Location
  2. Number of branches
  3. Ease of access

The location should be convenient to your home, but also have enough branches so that – in the case of an emergency – you can get to your bank.

I opened an account with Elevations Credit Union when I was attending CU Boulder. It was convenient and credit unions are really great to bank with. However, after I graduated and moved, there were no branches around me, which made things very inconvenient. I ended up opening an account with US Bank since they are in about every King Soopers, where I do my grocery shopping.

This is especially important with kids because you don’t want them to have to drive too far just to bank.

Similarly, ease of access into the branch is important. I remember having a Norwest (now Wells Fargo) account, and getting in and out of the bank’s parking lot was terrible. I had several near-miss car accidents and dreaded even going to the bank.

2. Checking or Savings Account

As you’ll learn in the future article about saving and budgeting, there should be an account that is used for saving and investing.

That means it’s important to have BOTH a checking and savings account.

The reason a checking account is important, is so that kids can learn how to write checks, and have a designated spending account aside from a designated savings account.

Checking accounts are important for paying bills (be it online or via mail) and will give kids the opportunity to learn how to write checks. Even if check writing isn’t as prevalent as it once was, it’s still important.

I was shopping one day and realized I forgot my wallet, which had my credit cards and cash. I started to panic because I needed some food. Fortunately, I keep a couple of checks in the car and was able to save myself by writing a check… they still come in handy!

3. Fees & Minimum Balances

Some banks have fees to have an account and others don’t. Obviously get the one that doesn’t since your kid shouldn’t have a huge account. Likewise make sure there isn’t a minimum balance or a very small ($10 or less) minimum balance.

Just as important is how overdrafts are handled!

When I was in college, it never failed: my peers (who hadn’t learned how to balance an account) would routinely trigger their overdraft protection and the hefty fees that went along with it.

They would look at their balance online and it would show $10. Then they’d check it again a few days later and it was at $30.

It was the magical growing bank account; and they never wondered where the extra money came from. Until the end of the month when they had over $200 in overdraft protection fees!

I would suggest NOT getting overdraft protection and instead making darn sure they can balance their account (which we’ll cover in a future article).

4. What About a Debit Card?

Here’s my thoughts on kids having debit cards: it makes it much, much harder to balance the bank account while making it much easier to overspend and run into trouble.

Are ATM machines convenient? Yes, but I have never once used one in my entire life. Part of teaching kids life skills is to teach them to be prepared. I keep an extra $10 in cash plus a few checks in my car. It wouldn’t bother me if it got stolen.

If you’re determined that your kid gets a debit card, wait at least six months after opening their account so they can learn “the old fashioned way” and understand how the debit card affects their account when they actually start using it.

5. Should I Be On The Account Too?

I think it’s a very good idea for you to be on your kid’s first account so you can monitor their spending and make sure they don’t cause a train wreck.

It’s good to get statements so that you can use that as a learning experience to go over them with your kid and teach them how to properly dispose of them (in a shredder) so that they decrease their risk of identity theft.

Come up with a time frame or benchmarks until you pull yourself off the account and let your kid take on the responsibility of an individual account.

Opening a bank account is a huge step into a new world for kids and it should be a great experience. Walk your kids through the setup and look for the learning opportunities along the way.

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Source by Stu Schaefer

Gem Mining Vacation – Amethysts

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Amethysts can be found in all shades of purple, lilac and mauve. Amethysts from Veracruz, Eastern Mexico, tend to be very pale. Amethysts from Guerrero, South-Central Mexico, tends to be very bright colored. Amethysts are also found in India, Brazil, Uruguay, Madagascar, United States, Soviet Union, Australia, South Africa and Sri Lanka.

The color of an amethyst is very unstable and can diminish with protracted exposure to sunlight. Pale amethyst gem stones may be set in a closed setting with a backing of foil to enhance it's color. The purple color of the amethyst gem stone actually comes from iron impurities within. Deep rich purple colors in an amethyst are the most valuable kind.

Amethysts are graduated, with the best-quality, the dark specimens called "Siberian," regardless of where they are from. Mid quality amethyst gem stones are "Uruguayan" while lesser quality amethyst specimens are called "Bahain." Pale amethyst gem stones are called "Rose of France."

Amethysts are actually a type of purple colored quartz. The natural abundance of these purple colored quartz, the amethyst, have made it the most widely used of all gem minerals. It is found in the form of six sided crystals or in invisible, geodes and metamorphic rocks, particularly granite and gneiss "a high grade metamorphic rock." Amethysts have a hardness rating of 7. The physical properties of amethyst vary greatly from one location to another. Experts can tell where an amethyst is from just by looking at it.

Were you or someone you know born in February? Do you just like the color violet? Are you or someone someone you know having a 6th or 33rd Anniversary? Did you know amethysts represent 6th and 33rd anniversaries? Indeed, the amethyst is the perfect gift!

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Source by Anthony Benjamin

9-Question Interest Inventory: A Great Way to Learn About Your Students

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The first homework assignment of every school year for every student in each of my middle school math classes included a 9-question “interest inventory.” This particular interest inventory is a self-assessment tool that invites students to reflect on their past experiences.

My students agreed that answering the 9 interest inventory questions was a nice change from the typical “What’s your favorite this/that” survey, and I certainly had fun reading my students’ responses! Straight away – at the very start of the school year – it is a very good way to get a bigger picture (even just a slightly bigger picture) of each student.

For teachers, the interest inventory can provide good initial information about student strengths and weaknesses. In fact, I think this questionnaire invited some students to talk with me in person about their strengths and interests, giving me even more information about learning styles.

Here is the 9-question inventory. I always asked students to answer all parts of each question, and to neatly write their answers in complete sentences.

1. What is your favorite activity or subject in school? Why? What is your least favorite? Why?

2. What subjects are difficult for you? What makes them the hardest?

3. If you could learn about anything you wanted to, what would you choose to learn about? Please be specific. (For example: meteorology, science fiction writing, architecture, cooking, carpentry, movie-making, etc.)

4. If people were to come to you for information about something you know a lot about, what would the topic be?

5. If you could plan a field trip, where would you go? Why?

6. Fill in the blank and rate EACH choice 1 = best, 2 = ok, 3 = worst

I learn ____ alone.

I learn ____ with one other person.

I learn ____ in a small group.

I learn ____ in a large group.

7. What helps you learn? (For example: hands on experience, reading quietly, taking notes, reading out loud, etc)

8. What projects – either past school assignments or outside of school – are you most proud of? Why?

9. Think of a great teacher you’ve had. Describe what made this teacher so terrific.

One student knew a lot about horses, and throughout the year gave me unsolicited tidbits of information (such as defining riding styles and saddles), and every once in a while updated me on her training and competitions. Getting to know her a little bit more outside the math classroom helped to engage her inside the math classroom.

Another student was proud of training her hamster, named El Noche, to win the local Petco Hamster Derby! I had to ask her about it because I had never heard of Petco Hamster Derbies. She happily described how she executed her training regimen in one of the hallways in her home.

The student who answered “I want to learn how to draw faces” is now a student at LaGuardia High School of Music and Art and Performing Arts. Without asking her at the start of the school year, I wonder how long it would have taken me to notice this very, very quiet student’s inclination toward art…perhaps in the spring of that year when we studied geometry and she told me that she like how I used different colors to help highlight specific angles, sides, etc.

Questions 3, 4, 5, and 8 always gave me the most smile-inducing answers. I used the 9 questions above for 6th graders, but in general all the questions are great reflection questions, requiring answers with much more relevant information than favorite colors/food/sports/etc.

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Source by Karmel Angela Canlas

FAP Turbo Independent Review – Is it Real Or Scam?

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Does FAP Turbo deliver results? This is my independent review of FAP Turbo. It is one of the major questions traders ask in the foreign exchange market nowadays. It has made a significant mark if I am allowed to view my opinion, considering the fact that it is popular and has ousted other systems, making them look useless. Certainly, it appears to me as if a trader without FAP Turbo for his currency trading is lacking a lot.

Does it truly deliver results? Any grounds to justify its profitability, if any? Is it real?

Back Testing

When the production stage of FAP Turbo was finished, its creators conducted their back testing using the robot. Its result was impressive. It lasted a period of 9 years before being delivered into the market. During its period of back testing, the system manages several market situations which dominated trading at the time. The outcome gotten from its back testing was awesome.

FAP Turbo doesn’t only have an outstanding gain, it also has little drawdown, but the profit gotten from it surpasses the loss. To be frank, the gain made from it is the thing that counts most, you will agree with me that the result gotten from its back test aided to harden FAP Turbo state as the current ruler of autopilot training robots.

Live Trading Accounts

Tests conducted using back tests have some drawback, this is due to it relies on historical happenings. Testing it using a live trading account is an essential measure to carry out, but as for this moment let’s take a look at the result of this software when it was tested using an advanced live trading on real account. This stage of testing was very vital and it was done with caution. The stage was taken very serious by the makers of this software. With 3 different accounts, FAP Turbo was experimented the way the system would function when traded with several brokers and account difference. These several accounts were experimented to discover how adaptable the software is to market situations. Its results were okay. The outcome was the multiplication of those account amounts.

Testimonies

Actually, regarding the way users of this system are performing is very essential in determining whether its users are doing well or not. Based on my research on the way its users are doing, I found 70% of its users to comment positively about the way FAP Turbo is doing for you. The response was that the robot is profitable. This ends my FAP Turbo justifies independent review and I urge to give it a try, it might just be the perfect thing you are looking for.

My Suggestion

The best way to get the best out of FAP Turbo is to experiment it first using a demo account, this is how i started first before discovering the strategy for success with this software. This is necessary to determine the way it works. When you order it, you are provided with a manual to help you get acquainted with how it works and how to install it on your pc. After experimenting it with a demo account, you would then know how it will work best. If your earnings from its demo testing was profitable, you can then kick start live trading, but if it was not after your 2 weeks trial period, re-test it again because FAP Turbo is profitable, this second trial might just be your time.

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Source by Ositadima Modozie

What Is Bitcoin?

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Bitcoins have become a very well known and popular form of currency over time. Though, what exactly is Bitcoin? The following article will go over the in’s and out’s of this currency that popped up out of no where and spread like a wildfire. What makes it different from normal currencies?

Bitcoin is a digital currency, it is not printed and never will be. They are held electronically and nobody has control over it either. Their produced by people and businesses, creating the first ever form of money known as cryptocurrency. While normal currencies are seen in the real world, Bitcoin runs through billions of computers all around the world. From Bitcoin in the United States to Bitcoin in India, it has become a global currency. However the biggest distinction it has from other currencies, is that it is decentralized. This means that no specific company or bank owns it.

Who created it?

Satoshi Nakamoto, a software developer, proposed and created Bitcoin. He saw it as a chance to have a new currency on the market free from central authority.

Who prints it?

As mentioned earlier, the simple answer is nobody. Bitcoin is not a printed currency, it is a digital one. You can even make transactions online using Bitcoins. So you can’t churn out unlimited Bitcoins? Absolutely not, Bitcoin is designed to never “mine” more than 21 million Bitcoins into the world at one time. Though they can be broken up into smaller amounts. One hundred millionth of a Bitcoin is called a “Satoshi”, after its creator.

What is Bitcoin based on?

For appearances mostly and conventional use, Bitcoin is based on gold and silver. However, the truth is that Bitcoin is actually based on pure mathematics. It has nothing to hide either as it’s an open source. So anyone can look into it to see if it’s running the way they claim.

What are Bitcoin’s characteristics?

1. As mentioned earlier, it is decentralized. It is not owned by any specific company or bank. Every software that mines the Bitcoins make up a network, and they work together. The theory was, and it worked, that if one network goes down, the money still flows.

2. It’s easy to set up. You can set up a Bitcoin account in seconds, unlike the big banks.

3. It’s anonymous, at least the part that your Bitcoin addresses are not linked to any sort of personal information.

4. It’s completely transparent, all of the transactions using Bitcoins are shown on a large chart, known as the blockchain, but nobody knows it’s you as no names are connected to it.

5. Transaction fees are minuscule, and compared to a bank’s fees, the rare and small fees Bitcoin charges are close to nothing. It’s fast, very fast. Anywhere you send money too, it generally will arrive in minutes after processing.g. It’s non-repudiable, meaning once you send your Bitcoins away, they’re gone forever.

Bitcoin has vastly changed the world and how we see money. Many people are left wondering if it’s possible to live off of Bitcoins. Some have even tried to do so. Even so, Bitcoin is a part of our economy now, a unique kind of currency, and it isn’t going to go away anytime soon.

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Source by Vinita Kumari

What Is Bitcoin?

HashFlare

Bitcoins have become a very well known and popular form of currency over time. Though, what exactly is Bitcoin? The following article will go over the in’s and out’s of this currency that popped up out of no where and spread like a wildfire. What makes it different from normal currencies?

Bitcoin is a digital currency, it is not printed and never will be. They are held electronically and nobody has control over it either. Their produced by people and businesses, creating the first ever form of money known as cryptocurrency. While normal currencies are seen in the real world, Bitcoin runs through billions of computers all around the world. From Bitcoin in the United States to Bitcoin in India, it has become a global currency. However the biggest distinction it has from other currencies, is that it is decentralized. This means that no specific company or bank owns it.

Who created it?

Satoshi Nakamoto, a software developer, proposed and created Bitcoin. He saw it as a chance to have a new currency on the market free from central authority.

Who prints it?

As mentioned earlier, the simple answer is nobody. Bitcoin is not a printed currency, it is a digital one. You can even make transactions online using Bitcoins. So you can’t churn out unlimited Bitcoins? Absolutely not, Bitcoin is designed to never “mine” more than 21 million Bitcoins into the world at one time. Though they can be broken up into smaller amounts. One hundred millionth of a Bitcoin is called a “Satoshi”, after its creator.

What is Bitcoin based on?

For appearances mostly and conventional use, Bitcoin is based on gold and silver. However, the truth is that Bitcoin is actually based on pure mathematics. It has nothing to hide either as it’s an open source. So anyone can look into it to see if it’s running the way they claim.

What are Bitcoin’s characteristics?

1. As mentioned earlier, it is decentralized. It is not owned by any specific company or bank. Every software that mines the Bitcoins make up a network, and they work together. The theory was, and it worked, that if one network goes down, the money still flows.

2. It’s easy to set up. You can set up a Bitcoin account in seconds, unlike the big banks.

3. It’s anonymous, at least the part that your Bitcoin addresses are not linked to any sort of personal information.

4. It’s completely transparent, all of the transactions using Bitcoins are shown on a large chart, known as the blockchain, but nobody knows it’s you as no names are connected to it.

5. Transaction fees are minuscule, and compared to a bank’s fees, the rare and small fees Bitcoin charges are close to nothing. It’s fast, very fast. Anywhere you send money too, it generally will arrive in minutes after processing.g. It’s non-repudiable, meaning once you send your Bitcoins away, they’re gone forever.

Bitcoin has vastly changed the world and how we see money. Many people are left wondering if it’s possible to live off of Bitcoins. Some have even tried to do so. Even so, Bitcoin is a part of our economy now, a unique kind of currency, and it isn’t going to go away anytime soon.

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Source by Vinita Kumari

Cosmos Vs Globus

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Visiting Europe is more affordable than you might think. The Globus family of brands has two options to choose from. Cosmos offers a great vacation value for those on a budget, while Globus offers premium escorted travel.

In order to understand the difference more clearly, I am going to use an example I came across earlier this week where a client was planning a trip to Spain, but was undecided between the Cosmos “Grand tour of Spain,” and the Globus “Spanish Fiesta.” Specifically, the client wanted to know why she should pay $500 more for the Globus trip, when the Cosmos goes to the same places and is one day longer?

This is one of the best questions you can ask your travel agent! The tourist industry is a very competitive field and if one company is offering the same itinerary at a decidedly different price, there’s got to be a reason. As we sat and discussed the two itineraries, here is what the client learned.

She would land in Madrid on either tour; both would have meet and greet, (if airfare had been purchased through the tour operator), and each would have a hotel room reserved in her name. Now where the difference begin, is that the Globus tour director would host a welcome dinner that evening and she would meet the other travelers. The Cosmos tour director would only be in the hotel lobby to say hello. Dinner will be on her own, and perhaps she would meet up with other travelers and join them.

After a buffet breakfast (included each morning in either tour) the Globus group will have in depth sightseeing in Madrid, seeing all the major sights, with entrance to the world famous Prado Museum included and paid for. The afternoon will offer free time. The Cosmos group leaves Madrid, and is driven to Valencia (via Aranjuez and Cuenca), a distance of about 222 miles, with a stop at the Royal Palace along the way. The driving time is about 4 hours, but there will be photo stops as well as a stop for lunch, although not included. The Cosmos tour would then stay in Valencia two nights, which no included sightseeing.

On day two, the Globus tour will head north to Vitoria, stopping at Segovia and Burgos…with photo, rest and lunch stops, of course. Lunch is not included with the Globus on this day either. The distance is about 175 miles, or about 3 hours.

I won’t continue the day-by-day comparison, as the article would be quite lengthy, but be assured that these differences continue throughout. Example: Globus has in-depth sightseeing in Granada, Cosmos offers it as an optional. The Globus tour takes you to Gibraltar, with entrance fee included; Cosmos does not go to Gibraltar. Globus stops for guided, fee paid sightseeing in Toledo; Cosmos does not stop at Toledo. The Cosmos visit in Madrid is at the end of your tour, no inside visits are included.

There are also more subtle differences that a Globus tour includes over Cosmos, such as extra nights in major cities to allow for more free time, a few extra meals throughout the trip, perhaps with wine included or entertainment. With Globus you often each at local restaurants, where we Cosmos you frequent the hotel’s restaurant.

To sum it all up, if your goal is to travel comfortably, with clean hotels, some meals, a tour guide as your shepherd and information source and at a price you can afford, go “budget,” which is with Cosmos tours. Just remember, there will be many “optional” tours and meals, so do the math. If you want to see as much as possible, gain access to outstanding museums and sights, stay in centrally located hotels and avoid many of the optionals, so more is included in your up-front price, you will find that Globus tours is the better way to go.

Keep in mind they are both owned by the same company, who have offered escorted tours for over 80 years, so you will not be disappointed either way, as long as you are clear on what’s included in the price.

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Source by S Lobo

Sexual Health: 5 Diets That Can Chill Your Sex Drive

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Has the fire gone out of your sex life? Wondering how to rekindle your relationship and kick-start your physical connection? Ready to try something new? It’s time to think about what you’re eating and how it affects your libido, hormones, and sex drive.

Contrary to popular belief, simply taking pills or undergoing costly surgery for a quick fix is not the answer to regaining youthful sexual energy. In fact, pills and surgery can actually weaken your kidneys and reproductive organs, depleting your sex drive. The most reliable long-term solution for a healthy libido is adhering to a macrobiotic diet and avoiding the foods that cool down your libido.

Not only is it important to choose nutritious whole grains and vegetables, they must also be balanced energetically. To strengthen your reproductive organs and boost sexual energy, avoid these five diets at all costs:

1. Vegan Diets

Many people believe that avoiding meat is the answer to health and long life, but it doesn’t do much for your sex drive. A vegan diet can be ungrounded and destabilizing if you include sugar, processed food, or poor quality fats. An all-vegetable diet has cooling properties, which can be refreshing in hot weather but can deplete your body over the long term. Eating warming foods once a week, such as fish, can help balance the cooling quality of vegetables.

2. Atkins-like Diets

Although the warming quality of meat helps to balance the cooling energy of vegetable ingredients, over consumption of meat-such as with diets based on the Atkins model-can cause serious health problems. Because it stimulates the adrenal glands, meat brings a jolt to the kidneys, which can weaken the reproductive organs over time and gradually lower your sex drive. A meat-centric diet can also clog your arteries and lead to impotence.

3. Lacto-ovo Vegetarian Foods

If you avoid meat but eat a lacto-ovo vegetarian diet, you’ll find that dairy and eggs can create mucous congestion in the reproductive organs. Heavy, high-fat dairy products may also lead to weight gain or obesity, which can cause reduced sex drive.

4. Raw Foods

Raw foods, like fruits, salads, and smoothies, are cleansing and cooling to the body, and refreshing in hot weather. However, if eaten long term, they can put out your “digestive fire” and disperse internal warmth. Soups and stews cooked over a flame warm you from the inside out, especially in the winter, fueling the internal fires of passion, libido, and creativity.

5. Yogic/Ayurvedic Diets

An Ayurvedic diet was traditionally used by yogis for meditation and to suppress sexuality. High in cooling foods, it focuses heavily on dairy products, spices, and tropical fruits. While this diet is good for those who live in tropical countries, it’s too extreme for temperate climates and can weaken sexual function.

A healthy diet not only helps to cleanse the body, it also revitalizes all of your organs and creates greater sexual energy and vibrancy. A macrobiotic diet of cooked whole grains, vegetables, and a little fish is the perfect regime to strengthen reproductive organs while warming the body from the inside out.

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Source by Julie S. Ong

How Come the Rich Make Money Forex Trading While Most Do not

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I know that when traders are having a difficult time making money forex trading, that there is nothing worse than hearing about some trader who is making a killing in the markets. You scratch your head pondering " how do they do that? " This especially rings true when you consider the fact that 95% of all forex traders end up losing money.

If you think the reason that separates the 5% from the 95% is intelligence, or lack thereof, you would be absolutely wrong. There are a ton of successful traders who struggled to graduate from high school. I've had the pleasure to speak to some of them, and I can tell you with great certainty, that brains are not entirely critical in this business.

You also may be under the impression that the rich and successful traders just use better tools than the average Joes of the world, and that is just not the case. in fact, the tools that traders use is really quite insignificant. One trader can have all the thousand dollar, state of the art, proprietary software at his disposal and still lose money, while someone else could be looking at a simple bar chart, and make a killing.

It really comes down to what the trader understands about the market. If a trader's goal is to really get a understanding of the market, then he can not expect to just toss a bunch of indicators on a chart, and become an expert in technical analysis. That's just not the way it's done.

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Source by John Templeton

Writing With Power

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You want to appeal to your audience and deliver your message in a way that rouses them to action, or makes them think, or laugh, or cry; you want to make an impact. That’s where style and voice come in. Style covers things like word choice, the types of sentences you write, how you introduce a piece, how you conclude it, and how you show your meaning (if you don’t know it already, memorize and make your own the mantra of “show; don’t tell”). Voice is that element that’s intangible, yet so crucial for effect. Voice in writing is what makes it yours and no one else’s. It’s you peeking out from behind your words saying, “This is me!” It’s what gives your writing power and captivates your readers.

Here’s how to write with voice:

1. Good writing comes from the heart. Writing from the heart and letting the real you shine through is crucial to a strong voice. The reader gets a great sense of you, the author, and what kind of person you are. Maybe you have an irreverent voice and you’re always railing against the status quo. Maybe your voice is comedic, and your readers laugh right along with you as you tell tales of office politics to make a point. Maybe your voice is gentle, quiet, and kind, and the reader feels drawn in to hear what you have to say.

If there’s a type of voice you’re most attracted to (be it irreverent, wickedly funny, gently humorous, kind, irate, political, you name it), you’ll write more passionately if you use that voice. Practice writing something from different voices. Have an article on communicating well within an organization? Try writing it with a humorous voice, and then rewrite using a different voice. Soon, you’ll find a voice and a rhythm that appeals to you.

2. Good writing is strong. Good writers choose a stand and believe in it. If your writing is filled with “I think” and “I guess” and “I believe” and “it seems,” you come across as wishy-washy. Take those words out and stand firm. Say what you believe and believe what you say.

3. Good writing is original. You don’t have to say it like everyone else does. You don’t have to follow all the rules. You don’t have to incorporate all the great advice you read in articles and books on writing (even mine!). Do it your own way and stand out from the crowd. If you’re like everyone else, what would make people gravitate toward you? Give them a reason to pick you.

4. Good writing is authentic. You’re not the answer for everyone, and not everyone is going to be attracted to your stuff. However, if you write authentically, then you have a better chance of people sticking around to see what you have to say. It’s basic Law of Attraction.

5. Good writing is passionate. Enjoy what you’re writing about. Write from the heart. Be passionate. If you like humor, be funny. If you like word play, add a few puns. If you’re thrilled with what you’re doing, let that joy come out in your writing.

Writing well isn’t a trick or a gift that only a few are blessed with. It does, like everything else, take practice. Writing is not just a talent; it’s a skill that can be learned and practiced, just like playing an instrument. May you play your instrument, your writing, well.

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Source by Dawn Shuler