15 Funny quotes on friendship that’ll raise a smile

03/04/2025 by

If you’re lucky enough to have one good friend, then you are richer than you imagine, and if you have two then you’re truly blessed.

Friendship is a relationship of equals.

Real friends are people with whom you have a lot in common, especially when it comes to things that make you laugh and those times when you enjoy getting silly.

True friends are people who know all your faults but accept you as you are anyway.

Not everyone with whom you have a friendly relationship is a true friend. Some people are just very good acquaintances.

A real friend is someone you could phone at 3 am when you’re in trouble and know they’d be out to help you in a heartbeat.

Such people are worth their weight in gold, and you should never take them for granted. They’re special, and you should appreciate them being in your life because not everyone is quite so lucky.

Here are 15 funny quotes on friendship that, for me, touch on the very essence of what it all means.

Funny quotes on friendship:

  1. Friends are the chocolate chips in the cookie of life!
  2. Friends buy you food. Best friends eat your food.
  3. Friends come and go, but enemies hang around like a bad smell.
  4. When our phones fall, we panic. When our friends fall, we laugh.
  5. If you have crazy friends you have everything you’ll ever need.
  6. Never let your best friends get lonely. Keep disturbing them.
  7. You have a problem when your imaginary friend thinks he has a problem.
  8. There’s nothing better than a good friend, except for a good friend with chocolate.
  9. Friends come and go, like waves on the ocean, but true friends stay like an octopus on your face.
  10. A best friend is like a four-leaf clover, hard to find, but you’re lucky if you have one.
  11. Laughing is one of the best exercises. It’s like running inside your mind. You can do it almost anywhere and it’s even better with a friend.
  12. I’d walk through fire for my best friend. Well, not fire because that’s dangerous, but a super humid room. Well not too humid, because you know, my hair.
  13. I love making friends. I usually prefer to make them out of plaster and give them funny-looking hats.
  14. Dear Diamond, we all know who is really a girl’s best friend. Sincerely yours, Chocolate Cake.
  15. I hope we’re good friends until we die, then I hope we can stay ghost friends, walk through walls and scare people.

Poem about friendship:

Friendship is such an important part of our lives; I’m sure you’ll agree, dear reader. So, you might be interested in this poem I wrote on friendship and how I see it.

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101 Proverbs that everyone should know

03/04/2025 by

There are thousands of proverbs from all over the world. These simple sayings express essential truths and exist in every language.

Most have become clichés, but they’re based on common sense and centuries of experience, and they’re no less valid for their overuse.

Here are 101 proverbs that I think everyone should know.

These proverbs can be very useful when you aim to emphasize a point. So, see how many of them you can work into your conversations today.

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101 Proverbs (1-25)

There’s no place like home

Beggars can’t be choosers

Opportunity never knocks twice at any man’s door

People who live in glass houses shouldn’t throw stones

Possession is nine-tenths of the law

A nod’s as good as a wink to a blind horse

A volunteer is worth twenty pressed men

Adversity makes for strange bedfellows

There’s honour among thieves

There’s no fool like an old fool

Caesar’s wife must be above suspicion

Don’t get mad, get even

The road to hell is paved with good intentions

Give a man enough rope and he’ll hang himself

Don’t put all your eggs in one basket

East, west, home is best

Every picture tells a story

Everyone wants to go to heaven but nobody wants to die

The price of liberty is eternal vigilance

A chain is only as strong as its weakest link

A change is as good as a rest

The proof of the pudding is in the eating

The way to a man’s heart is through his stomach

Faint heart never won fair lady

Fortune favours the brave

101 Proverbs (26-50)

Give credit where credit’s due

Children and fools tell the truth

Don’t cut off your nose to spite your face

He who sups with the Devil should have a long spoon

Hell hath no fury like a woman scorned

Once a thief, always a thief

Hindsight is always twenty-twenty

If anything can go wrong, it will

If it ain’t broke, don’t fix it

Into every life, a little rain must fall

It never rains but it pours

There are none so blind as those that will not see

There’s an exception to every rule

It’s better to travel hopefully than to arrive

The early bird catches the worm

Once bitten, twice shy

It’s the squeaky wheel that gets the grease

Judge not, that ye be not judged

Least said, soonest mended

Let the buyer beware

Lightning never strikes twice in the same place

Many a true word is spoken in jest

Many are called but few are chosen

Marry in haste, repent at leisure

Necessity is the mother of invention

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101 Proverbs (51-75)

Nothing is certain but death and taxes

Oil and water don’t mix

Old soldiers never die, they just fade away

One good turn deserves another

One volunteer is worth ten pressed men

Prevention is better than cure

Procrastination is the thief of time

Rome wasn’t built in a day

Still waters run deep

Stupid is as stupid does

Talk is cheap

The apple never falls far from the tree

The customer’s always right

Revenge is a dish best served cold

The Devil finds work for idle hands

When in Rome, do as the Romans do

Where there’s muck there’s brass

You can choose your friends but you can’t choose your family

You can’t make an omelette without breaking eggs

The darkest hour is just before the dawn

You can’t win them all

No pain, no gain

You’ll catch more flies with sugar than you will with vinegar

Never give a sucker an even break

You reap what you sow

101 Proverbs (76-101)

The Devil is in the details

The end justifies the means

To the victor go the spoils

The exception which proves the rule

If you want a thing done well, do it yourself

Imitation is the sincerest form of flattery

In the kingdom of the blind, the one-eyed man is king

The whole is greater than the sum of the parts

There’s no such thing as a free lunch

There’s no such thing as bad publicity

Familiarity breeds contempt

There’s nowt so queer as folk

There’s one born every minute

Time is money

There’s safety in numbers

Those who do not learn from history are doomed to repeat it

Those who live in glass houses shouldn’t throw stones

The pen is mightier than the sword

Those who sleep with dogs will rise with fleas

Time and tide wait for no man

Tomorrow never comes

Truth is stranger than fiction

There’s many a good tune played on an old fiddle

There’s many a slip ‘twixt cup and lip

You win some, you lose some

Youth is wasted on the young

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Earn Real Money: Top Strategies for Financial Success in 2025

03/03/2025 by

If you’re looking for ways to earn real money, this article is for you.

Do you want to boost your finances without leaving home?

Well, there are now dozens of legitimate ways to earn extra cash online through various websites and apps.

You could earn thousands of pounds per year from your sofa without special skills or qualifications.

From completing online surveys and watching videos to self-publishing digital books and playing mobile games, the opportunities are wide-ranging.

Many platforms like Swagbucks offer multiple earning methods including cash-back for shopping and simple tasks that fit into your daily routine. Others, like Mistplay, allow you to make money playing games on your mobile phone.

The key is knowing which platforms are genuine and understanding how to maximize your earnings from each.

Most of these methods won’t replace a full-time income, but they can provide a meaningful financial boost when used consistently and strategically.

Key Takeaways

  • Legitimate online earning opportunities include surveys, video watching, and cashback shopping that can be done from home with no special qualifications.
  • Mobile apps provide flexible ways to earn through gaming, completing small tasks, and participating in reward programmes.
  • Combining multiple income streams yields better results than focusing on a single method for maximizing your online earning potential.

DISCLAIMER: In this article the reader is presented with ideas that have worked for other people. However, you must do your due diligence before making any commitment in either time or money.

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Earn Real Money

Exploring Online Surveys and Focus Groups

Sharing your opinions online can turn spare time into actual cash. Many companies pay for consumer feedback through surveys and focus groups, providing a legitimate way to earn extra money from home.

Maximising Earnings from Surveys

Online surveys offer a simple entry point to earning money in your spare time.

Sites like Swagbucks allow you to complete short questionnaires for cash or gift vouchers. While individual surveys might pay modestly, strategic participation can add up.

To maximise earnings, create accounts on multiple platforms such as Branded Surveys and Survey Junkie. This approach ensures you’ll never run out of surveys to complete.

Tips for survey success:

  • Complete profile questionnaires fully to receive more targeted surveys
  • Check emails daily for high-paying survey invitations
  • Look for sign-up bonuses when joining new platforms
  • Set aside dedicated time each day for completing surveys

Be realistic about earnings—most surveys pay between £0.50 and £5 depending on length and complexity. Consistency is key to making this method worthwhile.

Participating in Focus Groups for Cash

Focus groups offer substantially higher pay than standard surveys.

These sessions typically involve more in-depth discussions about products or services and can pay between £40 and £200 per session.

Many market research companies now conduct focus groups online via video calls, making participation more convenient. Sessions usually last 1-2 hours, offering excellent hourly rates.

Top focus group platforms:

Unlike surveys, focus groups aren’t daily opportunities. However, participating in just one monthly session could earn you significantly more than dozens of standard surveys.

Leveraging Task-Based Platforms

The gig economy offers flexible ways to earn income through task-based platforms that match your skills with people willing to pay for them. These platforms have transformed how people work, allowing anyone to monetise their talents or spare time.

Finding Freelance Gigs on Fiverr and Upwork

Task-based earning opportunities on Fiverr and Upwork are excellent starting points for freelancers. These platforms connect skilled individuals with clients seeking specific services.

On Fiverr, freelancers create “gigs” in categories like graphic design, writing, or programming. Pricing begins at £5 but can increase substantially with additional services or expertise. Building a strong profile with detailed descriptions and portfolio samples increases visibility.

Upwork operates slightly differently, with freelancers bidding on posted jobs. The platform takes a percentage of earnings, typically 5-20% based on your client relationship history. Successful Upwork freelancers:

  • Create detailed profiles highlighting qualifications
  • Set competitive yet fair rates
  • Specialise in high-demand niches
  • Maintain prompt, professional communication

Both platforms offer protection through secure payment systems and dispute resolution services.

Earning as a Field Agent or Task Rabbit

For those preferring physical tasks over digital work, platforms like TaskRabbit connect people with local gigs. Users can earn money assembling furniture, doing deliveries, or helping with household projects.

Field Agent offers opportunities to complete retail audits, mystery shopping, and market research tasks. Workers use the mobile app to find nearby assignments, often involving visiting shops to check merchandise displays or collect pricing information. Most tasks pay £5-20 and can be completed during regular shopping trips.

Requirements typically include:

  • Smartphone with reliable internet
  • Transportation for reaching locations
  • Attention to detail
  • Basic photography skills

Payment processing occurs weekly or bi-weekly through direct deposit or PayPal. The flexibility allows workers to accept only tasks that fit their schedule and location preferences.

Understanding Cash-Back and Reward Apps

Cash-back apps offer a simple way to earn money on purchases you already make.

These digital tools connect shoppers with retailers who provide rewards for transactions completed through their platforms.

Maximising Savings with Rakuten and Ibotta

Rakuten operates primarily as an online shopping portal where users can earn extra cash on everyday purchases.

To use it effectively, shoppers must start their online shopping journey through the Rakuten website or app before completing a purchase.

The app pays quarterly via PayPal or cheque, with rates typically ranging from 1% to 10% depending on the retailer. Some special promotions can offer even higher percentages during sales events.

Ibotta works differently by focusing on in-store purchases. Users need to:

  • Browse available offers before shopping
  • Purchase qualifying items
  • Upload receipts to verify purchases

Ibotta offers cash back on groceries, clothing, and even alcoholic beverages. The app requires a minimum of £20 in earnings before withdrawal options become available.

Another such website is TopCashBack which operates in a similar way to Rakuten. Purchase through the site and you’ll get cash back.

Earning with Fetch Rewards and KashKick

Fetch Rewards simplifies the process by awarding points for any receipt you upload, regardless of where you shop. These points convert to gift cards for popular retailers like Amazon, Tesco, and Sainsbury’s.

Special branded items earn bonus points, making it worthwhile to check promotions before shopping. Many users appreciate that Fetch doesn’t require pre-selecting offers.

KashKick offers multiple earning methods beyond traditional shopping, including:

  • Completing surveys
  • Watching videos
  • Trying new services or apps

Payments are made via PayPal once users reach the £10 threshold. The platform partners with various services across different industries, from travel bookings to tax preparation services.

Unlike some competitors, KashKick doesn’t use a point system—all earnings are displayed in actual currency values, making it easier to track your rewards.

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Delving Into Passive Income Streams

Passive income offers opportunities to build wealth with minimal ongoing effort after initial setup. These methods can supplement regular earnings whilst you focus on other priorities.

Investing with Acorns and Real Estate Platforms

Micro-investing has revolutionised wealth building for beginners. Acorns and similar platforms allow individuals to invest spare change from everyday purchases into diversified portfolios. This approach requires minimal capital to start and operates quietly in the background.

Real estate investing no longer demands large capital outlays. Property crowdfunding platforms enable investors to:

  • Purchase fractional shares of properties
  • Earn rental income without landlord responsibilities
  • Benefit from property appreciation
  • Start with as little as £100 in some cases

Cryptocurrency staking presents another investment avenue, where holders can earn interest by holding certain digital currencies in specialised wallets. Some networks offer 5-12% annual returns, though this comes with unique market volatility risks.

Understanding Affiliate Marketing and Online Returns

Affiliate marketing creates income through product recommendations. When someone purchases through an affiliate’s unique link, the marketer earns a commission. Success requires:

  • Building an audience through blogs, social media, or YouTube
  • Recommending products that genuinely help followers
  • Creating authentic content that establishes trust

Many wealth-builders generate £500+ monthly through strategic affiliate relationships.

Reselling digital products offers another efficient income stream. Creating items once (e-books, templates, courses) and selling them repeatedly creates true passive income. Online marketplaces handle transactions, delivering products automatically to buyers whilst creators receive payments without further effort.

These methods require upfront work but can eventually generate income with minimal maintenance, making them popular among those seeking financial independence.

Profiting from the Gig Economy

The gig economy offers multiple ways to earn money through flexible, temporary work arrangements. Platforms like Uber, Doordash, Instacart, and Poshmark provide opportunities to generate income based on your schedule and preferences.

Earning with Uber and Doordash

If you own a car, driving for Uber can be a lucrative way to earn money. Drivers typically earn £10-20 per hour depending on location and time of day. Peak hours (evenings and weekends) often yield higher earnings due to surge pricing.

Setting up an account requires:

  • Valid driving licence
  • Vehicle insurance
  • Background check
  • A vehicle that meets requirements

Doordash offers another transport-based opportunity. As a “Dasher,” one delivers food from restaurants to customers. This requires less stringent vehicle requirements than Uber.

Pro tip: Many successful gig workers combine both platforms, switching between them to maximise earnings based on current demand. They track which service pays better during specific times and adjust accordingly.

Building an Income with Instacart and Poshmark

Instacart shoppers can earn money by shopping for and delivering groceries. The platform offers two roles: in-store shoppers (part-time employees who prepare orders) and full-service shoppers (independent contractors who shop and deliver).

Full-service shoppers typically earn £10-15 per hour including tips. The job requires:

  • Reliable transport
  • Smartphone
  • Ability to lift grocery items
  • Good knowledge of produce selection

Poshmark offers a different gig opportunity through its clothing resale platform. Users photograph and list unwanted clothing items, set prices, and ship sold items to buyers.

The average Poshmark seller earns £700-£1,000 monthly with dedicated effort. Success on the platform depends on:

  • Quality photography
  • Detailed descriptions
  • Prompt shipping
  • Active engagement with potential buyers

Many combine these platforms to create a diversified income stream.

Generating Revenue Through Gaming and Apps

The digital landscape offers numerous opportunities to earn money whilst playing games or using apps on your mobile device. Gaming apps utilise various methods to generate revenue, including in-app purchases and mobile advertising, which they can share with users willing to participate.

Monetising Gameplay with Mistplay and Bingo Cash

Mistplay rewards users for playing games through a point-based system that converts to real cash. Players earn units by downloading recommended games and actively playing them. The more time spent playing, the more points accumulated, which can be exchanged for gift cards from popular retailers.

Bingo Cash offers a competitive approach where players compete in real-time Bingo tournaments against others. Unlike traditional gaming, these apps allow users to wager small amounts and potentially win larger sums based on skill level and tournament performance.

Both platforms use secure payment methods and have established track records of actually paying users. Success typically requires consistent gameplay and strategic approaches to maximise earnings.

Leveraging Apps That Pay You While Watching Videos

Several apps have developed business models that pay users simply for watching video content. These platforms generate income through advertising revenue and share a portion with viewers.

Apps like Swagbucks and InboxPounds reward users with points for watching advertisements, product reviews, and sponsored content. These points can then be converted to cash via PayPal or gift cards.

The earning potential varies based on time invested and availability of content. Most successful users establish daily routines, watching videos during commutes or downtime. Though individual video rewards may seem small (typically pence rather than pounds), consistent usage can accumulate to meaningful amounts over time.

Many of these apps also offer additional earning methods like surveys and cashback shopping to supplement video-watching income.

Evaluating the Platforms for Reselling and Crafts

Finding the right platform to sell your crafts or resell items is crucial for earning consistent income online. Different marketplaces offer unique advantages depending on your products and business goals.

Succeeding on Etsy and Poshmark

Etsy stands out as a premier marketplace for handmade items, with artisans earning an average of £49,180 annually. The platform’s focused audience means buyers come specifically seeking unique, handcrafted goods.

Tips for Etsy success:

  • Use high-quality photos with natural lighting
  • Craft detailed product descriptions with relevant keywords
  • Price competitively but value your craftsmanship
  • Respond promptly to customer enquiries

Poshmark excels for fashion resellers. Unlike Etsy, it’s perfect for pre-loved clothing and accessories. The social aspect of Poshmark requires active engagement.

Poshmark strategies:

  • Share listings regularly
  • Participate in “Posh Parties”
  • Follow trending sellers
  • Offer bundle discounts to encourage multiple purchases

Flipping Items on Decluttr and eBay

Decluttr specialises in technology, media and entertainment items. It’s brilliantly straightforward – scan barcodes, receive an instant valuation, and ship items for free.

The platform works best for:

  • CDs, DVDs and Blu-rays
  • Mobile phones and tablets
  • Gaming consoles and games
  • Books with ISBN numbers

eBay remains the versatile giant for resellers, with its massive audience and auction format potentially driving higher profits. The broad customer base means virtually any item can find a buyer.

eBay profit tactics:

  • Research completed listings for accurate pricing
  • Use the scheduled listing feature for peak buying times
  • Offer free postage when possible
  • Build positive feedback through excellent service
Time Management Techniques

Frequently Asked Questions

People around the world want to know how to earn real money online. These questions cover the most common inquiries about legitimate income opportunities, payment methods, and verification of authentic platforms.

What are effective ways to earn money online without an initial investment?

Several methods exist to earn money online without spending anything upfront. Completing surveys on platforms like Answeree allows you to accumulate points that convert to cash.

Content creation on social media platforms can generate income through partnership programmes and sponsorships. This requires only time and creativity rather than financial investment.

Offering freelance services based on existing skills such as writing, graphic design, or virtual assistance provides another no-cost entry point to online earning.

How can one quickly receive funds into a PayPal account by performing online tasks?

Many platforms offer PayPal payments for completing simple tasks online. Money-making apps often partner with PayPal for swift transfers after completing surveys, watching videos, or testing products.

Microtask websites pay for small jobs like data entry, transcription, or image tagging with funds typically delivered within 24-72 hours. Some services even offer same-day processing for regular contributors.

Which applications offer a daily payout for performing simple activities?

Several apps provide daily payment options for basic activities. Rewarded Play pays users for playing games and watching advertisements, with earnings available quickly.

Cash advance apps often provide same-day transfers for completed tasks. Some cashback applications transfer rewards within 24 hours of qualifying purchases or activities.

What genuine games can I play to earn real money?

Legitimate gaming opportunities exist across various platforms. Tournament-style gaming apps allow players to compete for cash prizes based on skill level and performance.

Game apps in the UK and elsewhere reward players with points convertible to real currency or gift cards. Some platforms pay users for testing new games and providing feedback to developers.

How can I identify platforms that pay authentic cash for online work?

Verification methods help determine legitimate paying platforms. Check for established payment history by reading reviews on independent websites and forums.

Look for transparent payment terms including minimum payout thresholds and processing times. Legitimate platforms typically offer multiple secure payment options such as bank transfers, PayPal, or gift cards.

Are there any free mobile applications that provide instant monetary rewards?

Many free apps offer quick payment for various activities. Real money-making apps provide instant or same-day rewards for watching advertisements, completing surveys, or shopping through affiliate links.

Scanning receipt apps pay users for uploading shopping receipts, with payment typically processed within 24-48 hours. Some cashback applications provide immediate rewards for qualifying purchases at partner retailers.

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Types of debt and why they matter

03/02/2025 by

If you’re just starting your financial education, then a good starting point would be to understand the different types of debt and why they matter.

I categorize debt as either good debt or bad debt.

Understanding the difference between the two is essential if you don’t want to remain poor all your life.

Do you carry some debt, dear reader? If you do, you’re not alone.

Now you may think that debt is just part of life, and you may even believe that debt can’t be avoided.

Debt is certainly very hard to avoid; that much is true.

However, don’t forget that personal debt is a burden on us because it has to be serviced and eventually repaid.

Yes, it may be a burden you can’t avoid, but it’s no less stressful potentially for that technicality.

For emphasis, let me repeat, in my opinion, there’s good debt and then there’s bad debt.

The obvious question is: when is a debt considered bad debt? To put it another way, when is debt a bad idea?

Let’s consider some examples of debt.

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1. Secured Debt:

Buying a house is an example of secured debt.

When buying a house, most people need a mortgage, which is of course debt.

However, as long as you don’t overstretch yourself, mortgage debt is usually manageable for most people. And a lender will rarely allow you to overextend yourself these days.

With a mortgage, the debt is secured against your property, so the risk for the lender is small.

If you fail to repay the mortgage loan, a lender simply repossesses the property and sells it to recover their money.

So because the associated risk to the lender is low, interest rates on secured debt are low too.

Coupled with long repayment periods, typically around 25 years, the monthly repayments on a mortgage are not significantly different from what you might pay if you rent a property.

So, borrowing to purchase a property is good debt because eventually you’ll repay the debt and own the property, assuming you repay in full.

It’s good debt because it results in the long-term acquisition of a valuable asset.

You need a roof over your head, of course, so buying with a mortgage makes good financial sense because at least you’ll own the property in the future.

And with luck, you’ll enjoy some capital appreciation on the value of the property too. That’s not guaranteed, of course, but historically, that’s been the trend for those holding property assets for an extended period, certainly in the United Kingdom.

In summary, secured debt bears the lowest interest rates and leads to the acquisition of a valuable asset. So in my opinion, that makes it a good form of debt.

2. Unsecured debt:

When is debt a bad idea? The simple answer is that when it’s an unsecured debt.

And what’s unsecured debt?

It’s a debt against which nothing valuable has been put up as security.

If the borrower fails to repay, the lender has nothing it can repossess to sell on to recover the balance outstanding. So for the lender, that represents increased risk.

And because unsecured debt has no form of security to compensate, the interest rate charged by the lender will be high, and sometimes very high.

The interest rate charged reflects the risk to the lender. The higher the risk, the higher the interest rate applied.

Lenders recognize that there’s a risk that a proportion of their clients will fail to repay unsecured loans, so those who do make the repayment in full have also paid a premium to protect the lender from any losses they might have incurred due to non-payment by others.

There will be occasions when unsecured debt is unavoidable.

For instance, young people just starting out might need some basic items of furniture for their homes. A bed would be a good example. You must have one, and if you can’t afford it, then you might need to use a hire purchase arrangement. Handled with care, then this shouldn’t be a huge problem. But care is essential.

3. When is debt a bad idea?

So when is unsecured debt a bad idea?

Put simply, when you start buying with unsecured credit that which you could live without. That gadget you couldn’t resist or those shoes that looked nice in the store. Non-essentials you could have lived without until you had saved the money to pay for them.

You know the experience, I’m sure. You see something you can’t resist, out pops your flexible friend, and an impulse purchase is made before you’ve thought about whether it was a good idea or not.

The reckless use of credit cards, store cards, and payday loans can be a disaster because this type of debt is not secured against anything, so naturally, the associated interest rates applied are very high.

Credit card or store card debt can bear interest rates of around 30% or more.

In the UK, payday lenders have been known to charge interest rates equivalent to 3000%, 4000%, or even 5000%.

I find it hard to believe people fall for these loans, but they do. I guess if people are desperate sometimes, perhaps they feel they have little choice.

4. The magic of compounding:

Why does this matter? The simple answer is the magic of compound interest.

The compounding effect of high rates of interest will quickly turn small sums borrowed into enormous sums owed.

For instance, if you borrow $1,000 at 3% interest, after five years you’ll owe $1,159, assuming nothing was repaid.

However, if you borrow $1,000 at 35% interest, then after five years you’ll owe $4,484, again that’s assuming nothing was repaid.

The difference is a massive $3,325. And more importantly, the value of your debt has also quadrupled.

So when interest rates are high, even if you make minimum payments, your debt can grow rapidly if you’re not careful.

And that’s when you can become enslaved by your debts.

And that’s why it matters. Ultimately, this burden can become very stressful.

5. Manage your money:

Far too many people borrow money in the form of unsecured debt to purchase discretionary items. That’s items they could live without if push came to shove.

Wasting money in this way is a bad move. Not just bad; it’s seriously stupid.

I recommend that you follow this simple rule:

If you can live without it, never use debt to buy it.

Yes, of course, it’s nice to have the latest smartphone or the latest television or whatever but is it worth the pressure of unnecessary debt?

When high rates of interest start pushing up the sum outstanding significantly, you have to ask yourself, will the burden of this unnecessary debt still seem worth it? I doubt it.

Wouldn’t it be better to wait until you’ve saved up the money to make the purchase instead?

Wouldn’t it also be cheaper in the long term to save up and buy the product when you have the money? You’ll appreciate the item so much more too.

The message is simple:

Manage your money or your money will manage you:

6. Debt is a form of slavery:

Being indebted is just a form of slavery. It’s as simple as that. And, once again, that’s why it matters.

For as long as you owe money, you can never be truly free.

If you’re debt-free, then you’re stress-free too. Wouldn’t you prefer to be debt-free and stress-free?

Good debt will help you, but bad debt will make your life a misery.

7. Conclusion:

Put simply, there are two types of debt, good and bad.

Debt is either secured or unsecured.

Interest rates on the former will be relatively low, whereas interest rates on the latter can be very high.

Interest rates matter because of the compounding effect.

Unsecured debt can be the road to the poor house, particularly if you use it to buy the stuff you could live without with credit that bears interest rates that are very high.

The type of debt that’s bad will enslave you, and it’ll become increasingly stressful.

If you only take one message away from this article, it is to avoid bad debt.

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How to find your tribe and build powerful connections

03/01/2025 by

If you’re wondering how to find your tribe, this article is for you.

Finding your tribe means connecting with people who share your interests and values. It’s about building a community where you feel accepted and understood.

The right tribe can boost your happiness, provide support, and help you grow as a person.

This is especially important in today’s world, where many people feel isolated or disconnected.

Looking for your tribe takes time and effort.

It may involve trying new activities, joining groups, or exploring online communities.

The key is to be open, authentic, and willing to put yourself out there.

When you find the right group of people, you’ll know it because it will just feel right.

Discovering your values and interests

Finding your tribe starts with understanding yourself. Knowing your values and interests helps you connect with like-minded people who share similar passions and ideals.

Know yourself

Self-reflection is key to discovering personal values and interests.

Take time to think about what matters most to you.

What activities bring you joy?

What causes do you care about?

Make a list of your top qualities and ideals.

Consider trying meditation to gain clarity on your thoughts and feelings.

Journaling can also help uncover hidden passions and values.

Be honest with yourself. Embrace your authentic self, quirks and all. This will help you find people who appreciate the real you.

Try new things and embrace diverse experiences

Exploring new activities can reveal unknown interests.

Sign up for classes or join clubs to learn new skills.

Try hiking, painting, cooking, or mixed martial arts. It doesn’t matter what it is. If it has some appeal to you, you might discover a hidden talent.

Attend local events and meetups to connect with people who share your interests.

Volunteer for causes you care about. This can lead to meaningful connections with others who have similar values.

Stay open-minded when trying new things.

You might surprise yourself by enjoying something unexpected. The more experiences you have, the better you’ll understand what truly matters to you.

Building and nurturing your tribe

Finding your tribe is just the first step. Building strong connections and nurturing those relationships takes effort and care. These steps can help create a supportive network that lasts.

Fostering connections online and offline

Social media platforms like Facebook and NextDoor offer ways to connect with like-minded people.

Join online groups that match your interests. Participate in discussions and share helpful information.

However, don’t limit yourself to the online world. That would be a mistake.

Attend local events and meetups to interact face-to-face. Volunteer for causes you care about. This can lead to meaningful friendships with people who share your values.

Look for mentoring opportunities.

Being a mentor or finding one can create deep bonds.

Coaches and support groups also provide chances to connect with others facing similar challenges.

Creating meaningful relationships through communication and respect

Open and honest communication forms the base of strong relationships.

Share your thoughts and feelings with your tribe.

Listen actively when others speak.

Show respect for different opinions.

Acknowledge that everyone has unique experiences and viewpoints.

This creates an environment where people feel safe to be themselves.

Above all, be reliable and keep your promises. Trust is key to building lasting connections.

Make time for your relationships. Regular check-ins, even brief ones, help maintain bonds.

Support and resilience in your social circle

A strong tribe offers support during tough times.

Whether facing health issues, job loss, or personal struggles, your network can provide emotional backing and practical help.

Build resilience together. Share coping strategies for dealing with stress and setbacks.

Celebrate each other’s successes, big and small.

This creates a positive atmosphere that lifts everyone.

Remember that support goes both ways.

Be there for your tribe members when they need you.

Offer a listening ear or a helping hand. This mutual care strengthens your connections and creates a sense of belonging.

Valuable asset

Finding a tribe that’s right for you can be your most valuable asset.

Human beings are social animals; we need other people.

And we need to feel like we fit in.

Here’s a poem about finding your tribe.

Finding Your Tribe Poem

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How to make the most of your future

03/01/2025 by

How to make the most of your future? A question we all ask ourselves occasionally, I’m sure.

We worry about the future because increasingly the world seems such an uncertain place. There are times when it seems completely crazy.

In many ways, the future is uncertain, but then again, it’s a lot more predictable than you might think.

I’m often asked what I think the next 10 years will be like. The answer’s simple; the next 10 years will be pretty much like the last 10 years and the years before that, I think.

Future years:

Think about it. The next 10 years will just be a constant stream of challenges with a lot of problems to be solved.

That’s how life’s always been, surely? And that’s good news for us all. Why?

It’s good news because it’ll ensure that there’s a constant stream of opportunities for enterprising people to exploit.

So we can all make a good living, and all we have to do is focus on those problems we can solve for other people.

Yes, jobs may be in short supply, but there’ll always be plenty of customers with problems to be solved. Customers for goods and services yet to be invented.

If we can all learn to look for customers rather than jobs and make sure we have the skills and know-how to solve problems for those customers, we’ll always have work, and from that, over time, we can build wealth too.

The nature of work:

Work is just doing stuff for other people in return for money. It’s that simple.

Opportunities will always be there, and we can choose to take them or not. For the fleet-footed, there will always be opportunities to make money, regardless of politics and political personalities.

Create your own future:

Find customers you can serve, serve them well, and you’ll always do well.

And it doesn’t matter whether you were successful or otherwise at school either. That’s irrelevant. There are plenty of successful and wealthy people who failed to shine at school.

Skills can be learned and knowledge can be gained at any time in your life.

So look around for people you can help, improve your knowledge and skills as you go along, and gradually enhance your earning ability. It can be done; people do, and you can too.

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Today’s assignment:

So let me finish with an assignment for you.

Look around for a problem to be solved. Look carefully, and you’ll find plenty of them, I promise you.

Now, who’s the potential customer? What skills will you need if you are to solve that problem for the customer? And once you’ve identified those skills, how will you get them, and by when?

Now think about this assignment carefully.

By applying your unique talents and know-how, whose problems could you solve? To whom could you be an answer to their prayers?

This is how business people think.

How to make the most of your future:

The future’s as bright as you want to make it for yourself. It’s all down to you.

Don’t just let life happen to you.

Start right now and make it happen.

Create a future that’s right for you. Decide where you’re going, set some goals, and start taking action.

Don’t just accept whatever life throws at you; go out and get all the things you want.

Other people do, and so can you. Go on, get started, now!

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If so, then please share it on social media with your friends. When you share, everyone wins.

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Thank you.

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Unlock Your Potential: The Power of a Strong Work Ethic

02/28/2025 by

If you want to succeed at anything in life, you’ll need a strong work ethic. That’s a given.

It’s the foundation upon which achievements are built, and people with a strong work ethic are highly valued by employers.

Think about it. If you were an employer, wouldn’t you prefer to employ people who are driven by a willingness to work hard?

Employees with a strong work ethic are more likely to stay focused and motivated, leading to higher productivity and better results. An advantage for any employer.

So, developing a strong work ethic is well worth doing, if for some reason you don’t have one already.

If you can consistently demonstrate a strong work ethic this will earn you a reputation for being a reliable employee. This in turn can open doors to new opportunities and career advancement during your working life.  

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Pride in your work:

However, there is another factor to remember. Taking pride in your work and consistently striving for excellence will lead to a greater sense of accomplishment and job satisfaction for you.

Never underestimate the importance of taking pride in everything you do.

Demonstrating you have a strong work ethic can inspire others too, particularly young people just entering the workforce. This can create a positive and productive work environment for everyone.  

Personal growth:

Then, of course, there is the issue of personal growth. By developing a strong work ethic this fosters discipline, resilience, and a growth mindset. These attributes are incredibly valuable assets in both your professional and personal life.  

Developing a strong work ethic:

The best time to develop a strong work ethic is when you’re young. However, the second-best time is right now.

I was lucky in life. My parents were of modest means and money at home was never plentiful. We got by but when I was growing up, the pennies always had to be counted and there was no such thing as pocket money. As a teenager, if I wanted money I had to go out and earn it.

At the time, I wasn’t thrilled about this, particularly as many of my friends lived in families that were somewhat less challenged, financially.

Anyway, when I was at school, I had several jobs that had to be fitted in around my schoolwork. I delivered newspapers, then I delivered rolls of linoleum by bicycle (not easy, I can tell you), and I delivered bread too. In short, I was always delivering something.

Looking back on this now, I realize how lucky I was at the time. In having to earn my money, I developed a strong work ethic early on that has allowed me to build a very good life for myself.

Work ethic poem:

Reflecting on my youthful experiences, I wrote this poem recently which I thought I’d share with readers today.

If you like it, please feel free to share it.

Post Script: For readers wondering what a ‘quire‘ is, it’s a bundle of newspapers. When I was young, a quire was a bundle of 26 newspapers. For my newspaper round or route, I delivered 4 quire (104 newspapers in total). The measure is still used but I believe now it’s 25 newspapers per quire.

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Make developing a strong work ethic your priority:

If you don’t have one, currently, make it your priority to develop one.

A strong work ethic is not just about working hard though. It’s about working smart, being committed to excellence, and taking pride in the contribution you make.

If you want to achieve your goals, create the life you want, build strong relationships, and find personal fulfilment through your work, these qualities are essential.

It can be done, and people do. So can you!

Please share with all your friends:

If you enjoyed this article and the work ethic poem, please share it with your friends on social media. When you share, everyone wins.

So go on, please do it now, and I’ll be forever grateful.

You’ll be helping a keen blogger reach a wider audience. So that would be your good deed for the day.

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25 thought-provoking quotes about anxiety

02/27/2025 by

Today I offer you some interesting quotes about anxiety.

As human beings, we struggle to deal with uncertainty because it makes us feel insecure, and one of the most fundamental human needs is the need to feel secure.

If we feel insecure, we cannot relax because we are on ‘high alert’ all the time to guard against any perceived dangers or undesirable outcomes.

This can seriously drain our energy and leave us feeling a little nervous and low.

Anxiety is a consequence of dealing with uncertainty.

It’s the resulting stress on our central nervous system. It’s a deep sense of unease that sufferers experience about something that, for whatever reason, really bothers them.

Feeling anxious in times of uncertainty is quite natural.

Yet it can be difficult to cope with for the sufferer because, in the extreme, they can experience panic attacks, a heightened sense of nervousness, and excessive unease.

These feelings may cause physical symptoms, such as a fast heart rate and shakiness. So it can be an altogether unpleasant experience for the sufferer and not one to be underestimated in terms of the impact it can have on the individual.

When people are suffering from anxiety, they need our sympathy and support rather than our judgement and insensitive demands that they ‘snap out of it‘. If only it was that easy for them.

One technique you can use to contain your anxiety is known as Square Breathing. It’s a simple process.

Breathe in deeply to the count of 4. Hold to the count of 4. Breathe out fully to the count of 4. Hold to the count of 4. Repeat the cycle until you’re feeling calmer.

Here are 25 thought-provoking quotes about anxiety to help readers better understand how the sufferer is affected.

Quotes about anxiety (1-6)

You need to let go of your fear and anxiety of being judged by others. ~Gavin Newsom

Anxiety does not empty tomorrow of its sorrows but only empties today of its strength. ~Charles Spurgeon

It is very hard to explain to people who have never known serious depression or anxiety the sheer continuous intensity of it. There is no off switch. ~Matt Haig

There isn’t anybody out there who doesn’t have a mental health issue, whether it’s depression, anxiety, or how to cope with relationships. Having OCD is not an embarrassment anymore – for me. Just know that there is help and your life could be better if you go out and seek help. ~Howie Mandel

People talk about physical fitness, but mental health is equally important. I see people suffering, and their families feel a sense of shame about it, which doesn’t help. One needs support and understanding. I am now working on an initiative to create awareness about anxiety and depression and help people. ~Deepika Padukone

We all have anxiety about things. We all have little insecurities, but eventually, you have to face your fears if you want to be successful, and everybody has some fear of failure. ~Nick Saban

Quotes about anxiety (7-12)

Anxiety is love’s greatest killer. It makes others feel as you might when a drowning man holds on to you. You want to save him, but you know he will strangle you with his panic. ~Anais Nin

The truth is that there is no actual stress or anxiety in the world; it’s your thoughts that create these false beliefs. You can’t package stress, touch it, or see it. There are only people engaged in stressful thinking. ~Wayne Dyer

Everyone needs a reset button so you can start your day without anxiety. For some people, it’s running; for some, it’s going to the gym. For me, it’s meditation. ~Matt Bomer

People tend to dwell more on negative things than on good things. So the mind then becomes obsessed with negative things, with judgments, guilt and anxiety produced by thoughts about the future and so on. ~Eckhart Tolle

Happiness is not a brilliant climax to years of grim struggle and anxiety. It is a long succession of little decisions simply to be happy in the moment. ~ Donald Walters

Physical comforts cannot subdue mental suffering, and if we look closely, we can see that those who have many possessions are not necessarily happy. In fact, being wealthy often brings even more anxiety. ~Dalai Lama

Quotes about anxiety (13-18)

People who fail to use their emotional intelligence skills are more likely to turn to other, less effective means of managing their moods. They are twice as likely to experience anxiety, depression, substance abuse, and even thoughts of suicide. ~Travis Bradberry

The act of birth is the first experience of anxiety and thus the source and prototype of the effect of anxiety. ~Sigmund Freud

For as long as I can remember I have suffered from a deep feeling of anxiety which I have tried to express in my art. ~Edvard Munch

I was about to meet Beyonce and I had a full-blown anxiety attack. Then she popped in looking gorgeous and said, ‘You’re amazing! When I listen to you I feel like I’m listening to God.’ ~Adele

I think one thing is that anybody who’s had to contend with mental illness – whether it’s depression, bipolar illness or severe anxiety, whatever – actually has a fair amount of resilience in the sense that they’ve had to deal with suffering already, personal suffering. ~Kay Redfield Jamison

The other thing is that if you rely solely on medication to manage depression or anxiety, for example, you have done nothing to train the mind so that when you come off the medication, you are just as vulnerable to a relapse as though you had never taken the medication. ~Daniel Goleman

Quotes about anxiety (19-25)

Anxiety is a really crippling condition, and I suffer from it myself, and I feel for anyone who suffers from it. The way that I deal with it is to try as much as possible to stay in the moment to not think about the past and not think about what’s coming up in the future: to try and just seize the moment as much as possible. ~James Arthur

Unfortunately, I think depression and anxiety are really hard to live with. And what people don’t need is to feel bad about themselves because they decide to go on medication. ~Rene Russo

This is an anxiety-driven world – the whole world is driven by anxiety. It is anxiety about the aftermath of the global financial crisis; it’s anxiety about inequality and about computers replacing jobs. ~Robert J. Shiller

If I take death into my life, acknowledge it, and face it squarely, I will free myself from the anxiety of death and the pettiness of life – and only then will I be free to become myself. ~Martin Heidegger

It’s okay to talk about mental health issues. It’s okay to admit that you have anxiety. It doesn’t take away from your power. It’s totally normal. ~Torrey DeVitto

A leader who is confused or confusing causes too much anxiety, and a leader who is too controlling is revealing more insecurity and a lack of leadership. ~Mark Goulston

All of the great leaders have had one characteristic in common: it was the willingness to confront unequivocally the major anxiety of their people in their time. This, and not much else, is the essence of leadership. ~John Kenneth Galbraith

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33 funny quotes about age sure to amuse you

02/26/2025 by

Today I’m exploring some funny quotes about age.

If you’re like me, age might bother you a little bit.

The years go by so quickly, don’t they? Life goes by in the blink of an eye, or so it seems.

We all want to make the most of our time, of course. However, life usually gets in the way, doesn’t it? As John Lennon once said, “Life’s what happens while you’re busy making other plans.”

When we’re young, we have time and energy but no money and few skills.

As we get older, we have the demands of work and family eating up the time we have. And while we have some money, it mostly goes into paying bills.

Then in old age, we have some money, if we’ve been lucky, and we have fewer demands on our time, but we have no energy, and our bodies start to let us down.

Life can be like a cruel joke at times. However done right, life can be fun too. Well, I think so anyway.

Live life while you can, and don’t put anything off until someday because someday never comes. There are seven days in every week, and someday isn’t one of them. If you want to do it, then do it now.

But not before you enjoy these 33 funny quotes about age. I am confident they will amuse you, and they’ll get you thinking about life too.

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Funny quotes about age (1-11)

Age is a very high price to pay for maturity. ~Tom Stoppard

Old age is always ten years older than me. ~Author Unknown

Growing old is mandatory, but growing up is optional. ~Walt Disney

Forty is the old age of youth; fifty is the youth of old age. ~Victor Hugo

I’m at an age when my back goes out more than I do. ~Author Unknown

Time may be a great healer, but it’s a lousy beautician. ~Author Unknown

Don’t let ageing get you down. It’s too hard to get back up. ~John Wagner

Age is something that doesn’t matter unless you are a cheese. ~Luis Buñuel

Old age is not so bad when you consider the alternative. ~Maurice Chevalier

Life’s tragedy is that we get old too soon and wise too late. ~Benjamin Franklin

No one is so old as those who have outlived enthusiasm. ~Henry David Thoreau 

Funny quotes about age (12-22)

Age is not how old you are but how many years of fun you’ve had. ~Matt Maldre

Age is just a number that changes depending on who’s asking. ~Author Unknown

You know you’re getting old when the candles cost more than the cake. ~Bob Hope

Ageing gracefully is a nice way of saying you’re slowly looking worse. ~Author Unknown

Today is the oldest you’ve ever been and the youngest you’ll ever be again. ~Author Unknown

Old age is like everything else. To make a success of it, you’ve got to start young. ~Fred Astaire

I don’t let my age define me, but the side effects are getting harder to ignore. ~Author Unknown

I don’t feel 60. In fact, I don’t feel anything until noon. Then it’s time for my nap. ~Author Unknown

Middle age is when a guy starts turning off lights for economic rather than romantic reasons. ~Eli Cass

I don’t want to achieve immortality through my work; I want to achieve it by not dying. ~Woody Allen

If age taught you anything, it’s how many candles to put on a surprise birthday cake without causing a fire hazard. ~Author Unknown

Funny quotes about age (13-33)

I don’t do drink or drugs. At my age, I get the same effect just standing up too fast. ~Author Unknown

We don’t stop playing because we grow old; we grow old because we stop playing. ~George Bernard Shaw

At my age I’ve heard it all; I’ve seen it all, and I’ve done it all. I just can’t remember it all. ~Author Unknown

They say age is all in your mind. The trick is keeping it from creeping down into your body. ~Author Unknown

At my age “getting lucky” means walking into a room and remembering what I came in for. ~Author Unknown

Birthdays are good for you. Statistics show that the people who have the most live the longest. ~Larry Lorenzoni

Middle age is when you’re sitting at home on a Saturday night and the telephone rings, and you hope it isn’t for you. ~Ogden Nash

As you get older, three things happen: The first thing is your memory goes, and I can’t remember the other two. ~Norman Wisdom

You know you’re getting old when you stoop to tie your shoelaces and wonder what else you could do while you’re down there. ~George Burns

I’ve reached the age where my brain went from “You probably shouldn’t say that” to “What the hell, let’s see what happens.” ~Author Unknown

Where does it say we have to act our age? If it makes me happy and I’m not hurting anyone, I will act whatever age I want to. ~Author Unknown

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23 quotes by Taylor Swift to inspire you

02/26/2025 by

Today I thought it would be interesting to explore some quotes by Taylor Swift, currently one of the biggest names in music.

Taylor Alison Swift is best known as an American singer-songwriter. She is recognized for her songwriting, musical versatility, artistic reinventions, and her influence on the current music scene.

Arguably, she is one of the most prominent cultural figures of the 21st century so far.

You can’t argue with success. Talent helps, of course, but achieving great success requires much more than talent alone.

If you want to be successful, you’d be wise to listen to what successful people have to say.

That’s why I think it’s important to explore quotes by successful people.

So here are 23 quotes by Taylor Swift, and I hope at least some of them serve as an inspiration for you, dear reader.

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Quotes by Taylor Swift (1-12)

I’m intimidated by the fear of being average.

All you need to do to be my friend is like me.

I’m always worried about everything. Like spiders.

Nothing ruins your day more than getting a bad review.

I know my flaws before other people point them out to me.

My ultimate goal is to end up being happy. Most of the time.

I never want to change so much that people can’t recognize me.

Anytime someone tells me that I can’t do something, I want to do it more.

We don’t need to share the same opinions as others, but we need to be respectful.

In a relationship each person should support the other; they should lift each other up.

I have this really high priority on happiness and finding something to be happy about.

I think I am smart unless I am really, really in love, and then I am ridiculously stupid.

Quotes by Taylor Swift (13-23)

Even if you’re happy with the life you’ve chosen, you’re still curious about the other options.

I think every girl’s dream is to find a bad boy at the right time when he wants to not be bad anymore.

No matter what happens in life, be good to people. Being good to people is a wonderful legacy to leave behind.

Anything you put your mind to and add your imagination into can make your life a lot better and a lot more fun.

Silence speaks so much louder than screaming tantrums. Never give anyone an excuse to say that you’re crazy.

If you are lucky enough to find something that you love, and you have a shot at being good at it, don’t stop, don’t put it down.

The only way to conquer stage fright is to get up on stage and play. Every time you play another show, it gets better and better.

I think the tiniest little thing can change the course of your day, which can change the course of your year, which can change who you are.

I don’t compare myself to anyone else; I don’t make comments about anyone else because they do what feels right for them, and that’s okay by me.

The cool thing about reading is that when you read a short story or you read something that takes your mind and expands where your thoughts can go, that’s powerful.

I never give advice unless someone asks me for it. One thing I’ve learned, and possibly the only advice I have to give, is to not be that person giving out unsolicited advice based on your own personal experience.

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You did? I hope so.

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