How Identity Theft Destroys Your Credit Score

Source: goodfinancialcents.com

Will Credit Inquiries Hurt Your Credit Score?

Source: goodfinancialcents.com

Forbearance of Foreclosure? How to Keep Your Credit and Homeownership Intact

The following is a guest post by Eric Lindeen, of Anna Buys Houses.

The second quarter of 2020 marked the highest U.S. mortgage delinquency rate (reported as 60-days past due) since 1979. Amidst the chaos of the pandemic, federal and state governments have made efforts to protect against the financial strain U.S. consumers are enduring—including mortgage payment forbearance of foreclosure. 

What Is a Forbearance?

Forbearance is the postponement of mortgage payments, or the lowering of monthly payments for a specified time period; it’s not loan forgiveness. Repayment terms are negotiated between the borrower and lender. Mortgage forbearance is one tool to help protect homeowners from foreclosure due to temporary hardships, such as a job loss, natural disaster, or pandemic. Some homeowners may opt for strategic forbearance, meaning they proactively enter a forbearance agreement just in case they lose their ability to make their mortgage payments.

As of October 25, data from the Mortgage Bankers Association (MBA) reports that approximately 2.9 million U.S. homeowners are currently in forbearance plans. That number represents 5.83% of servicers’ portfolio volume. MBA data also shows that nearly 25% of all homeowners in forbearance plans have continued to make their monthly payment (perhaps an indicator of the use of strategic forbearance).

How Do Forbearance Plans Work?

Mortgage payment forbearance programs have come at a time when many Americans are losing their livelihood and others fear the potential fallout from the health and economic crisis. Not all forbearance plans are created equal. Therefore, it’s critical to understand how different plans are structured to protect your financial health and credit. 

The Coronavirus Aid, Relief and Economic Security (CARES) Act is one measure enacted to provide relief to consumers facing hardships due to the impacts of the coronavirus. One provision of the Act allows mortgage payment forbearance and provides other protections for homeowners with federally or Government Sponsored Enterprise (GSE) backed or funded (FHA, VA, USDA, Fannie Mae, Freddie Mac) mortgage loans. 

If you have a federally or GSE-backed mortgage, no documentation is required to request forbearance, other than an assertion that you are facing a pandemic-related hardship. Borrowers are entitled to an initial forbearance period of up to 180 days. If necessary, an extension of an additional 180 days may be requested. Federally backed mortgages are protected against foreclosure through December 31, 2020. 

Recently, the foreclosure moratorium was extended yet  again to at least March 31, 2021 for GSE-backed loans (Fannie Mae and Freddie Mac). Be sure you understand who owns your loan and the terms of your loan as these deadlines approach. Extensions are likely to continue to help borrowers keep their homes and lenders navigate the constant uncertainty that is 2020.

The CARES Act amended the Fair Credit Reporting Act (FCRA) with a provision that when a lender agrees to forbear an account of a consumer impacted by the pandemic, the consumer complies with the terms of the forbearance. Then, the mortgage issuer must report that account as current to credit reporting agencies.

How Your Credit Factors into Forbearance

On paper, knowing that your credit won’t be affected by forbearance seems like a good deal. There’s an important distinction here. Your loan doesn’t need to be current to qualify for forbearance under the CARES Act. However, any delinquencies on your account prior to entering a forbearance plan will impact your credit report. Make sure that your loan is current, and being reported as current to the credit bureaus, before you agree to a forbearance of foreclosure.

What about Private Mortgages?

Around 30% of single-family mortgages are privately owned. Many private banks and loan servicers have voluntarily implemented relief measures that don’t fall under the same protections of the CARES Act. Terms vary by institution and state of residence. And relief plans may not be structured in the same manner as federally-backed and funded loans. 

For example, borrowers with private loans may be required to pay back all missed payments in a lump sum as soon as the forbearance period ends. Lump sum payments are not required for GSE-backed loans. Additionally, if modifications are made to a privately funded loan, the new terms could impact your credit score depending upon how the lender reports the status of your loan to the credit bureaus.

The good news is that the three major credit bureaus (i.e., Equifax, Experian, and TransUnion) are providing free weekly online credit reports through April 2021. Be sure to check these reports to ensure that the new terms of your loan are being reported as “paying as agreed” and not reported as late. Credit.com also has resources to help check and manage your credit.

It’s also important to understand the terms of your loan. Some homeowners who recently refinanced were asked to sign a form that was quickly described as “new COVID paperwork.” The fine print stated that their new loan was not eligible for forbearance relief measures. 

Get matched with a personal loan that’s right for you today.

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Mortgage payment forbearance is one tool that can protect homeowners from defaulting on their loan, damaging their credit, and worst of all, losing their home to foreclosure. Key takeaways include, knowing who owns your loan, who services your loan, and what type of protections are available to provide relief if the current economic crisis is impacting you or you fear that it might. 

There are proactive steps to protect against foreclosure and determine the right path for your personal situation.

Source: credit.com

Why Financial Productivity Begins with a Positive Mindset

The following is a guest post by Orion Talmay, of Orion’s Method.

Dealing with finances can be stressful and leave you feeling overwhelmed. It’s all too easy to ignore mounting debts or believe you’ll never save up a significant amount of money. But taking control of your life and changing the way you think can make a huge difference. We take a look at why financial productivity begins with a positive mindset. 

The Impact of a Positive Mindset on Financial Productivity 

Whether you want to work your way out of debt or save up to buy a house, with the right mindset and some hard work, those financial goals are possible. However, you have to start by getting out of a negative thought cycle—if you believe there’s no point trying, then you’ll never achieve them. Therefore, you might be tempted to make choices that make your financial position worse.  

Even with a positive mindset, you won’t achieve your goals overnight. But it’ll put you on the right track to take more control over your finances. 

How to Achieve a Positive Mindset 

Achieving a positive mindset can be difficult, but you can adopt some proven techniques that’ll help you:

  • Take care of yourself
  • Know where you stand
  • Set achievable goals
  • Make small changes
  • Try to see the positive

Take Care of Yourself 

If you’re struggling with a negative mindset, you might slip into bad habits throughout your life, not just when dealing with your finances. Learn to take care of yourself and prioritize your own well-being. 

Start with the basics—make sure you’re exercising regularly, eating a balanced diet, and getting enough sleep. These might seem obvious, but a bad routine leaves you tired, stressed, and unhealthy, which all have a big impact on your mind. 

Treat yourself well, and get into a good routine that helps you stay in control. You’ll see an improvement in your physical and mental health, which puts you in a better position to make informed financial decisions. 

Know Where You Stand 

It’s tempting to bury your head in the sand when it comes to finances. However, not knowing exactly where you stand will add to your stress.

Open those bills and credit card statements you’ve been ignoring. Check your bank balance, work out your incoming and outgoings. Get a clear picture of your current financial situation and understand what bills and repayments you need to make and when they’re due. 

It might be hard to start with but it’ll improve your mindset and put you in a better position to get on top of your money. 

Set Yourself Achievable Goals 

It’s easy to feel negative if you can’t see a way out of your current situation. So, once you know exactly where you are, come up with some realistic targets that you can achieve within a certain time frame. 

For example, if you want to save up for something, set a savings goal and decide how much you can realistically put aside each month, and how long it’ll take to reach your target. 

The important thing with your goals is to make sure you’re sticking to them. If you put money towards debt or savings but you don’t have enough left to cover the rest of your bills, you’ll be tempted to borrow money from somewhere else. 

Make Small Changes 

Don’t try to overhaul everything in your life all at once. Make small, manageable changes that you’ll actually stick to and that will help you feel more positive. There are some really simple money moves that’ll make a noticeable difference. Start by looking at all your subscriptions and recurring payments—consider canceling the ones that you don’t use or can live without. 

If you buy your lunch during work every day, get into the habit of making it at home. Make small switches to your grocery choices, and try to stop buying things that you end up throwing out. Cut down on impulse buys—for nonessential purchases, make yourself wait a couple of weeks to consider whether you really want or need it. 

Try to make one or two small changes each week that you can follow through on. It’ll improve your mindset if you can stick with these habits long-term, rather than trying to do everything at once and feeling like you’ve failed when you slip up. 

Try to See the Positive

Often easier said than done, but try to get out of the cycle of negative thoughts. Revisit your goals each day to remind yourself what you’re trying to achieve and what you should be focusing on. 

When you have a negative thought, where something seems impossible or too difficult, stop and think about ways around it. Don’t get stuck on things that can’t or won’t happen and focus on solutions, workarounds, or breaking it down into smaller steps to get through it. If you struggle to focus on the positives, meditation can help you to manage your thoughts and give you more perspective.  

Why a Positive Mindset Matters

Everyone feels unmotivated and disenfranchised from time to time. It happens to the best of us. However, if you really dig deep and find what’s causing your low energy, you’ll be better equipped to find the root and weed it out. Try to channel your energy into more productive outlets, and make changes whenever they take a toll on your mental state. That’s the key that’ll enable your long-term success. 

Having a positive mindset is the foundation for taking control of your money and becoming more financially stable. Setting yourself goals, addressing bad habits, and learning how to get a handle on your thought processes will help you to manage your finances and put you in a better position with all aspects of your life. 

Source: credit.com

6 Non-Phone Work at Home Options

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Guest post from Anna of Real Ways to Earn

Let’s face it — phone jobs are fairly common in the work-from-home world. A quick “work-from-home” keyword search on any popular job site will likely bring you pages and pages of results for phone-oriented work.

The obvious downside to phone jobs is that many people have legit reasons for not being able to do them. Maybe you have a loud background at home due to kids or pets. Maybe you’re hearing impaired. Maybe you don’t have a land line phone — or any phone — and can’t get one. Maybe you simply aren’t a people person and the idea of talking to strangers on the phone all day doesn’t appeal to you. Or maybe it’s a combination of all of the above!

Gratefully, there are quite a few non-phone options out there if a work-at-home phone job just isn’t in the cards for you. Here are 6 different options:

1. Chat Support

Chat-based customer support is the same as phone support, the obvious difference being that instead of helping customers via live conversation, you’re doing so via chat and email so it is completely non-phone.

Apple and Needle are two reputable companies that are frequently hiring chat agents to work at home.

2. Search Engine Evaluation

This type of work is also referred to as “Google Rating.” The work is more complex than I can explain in a few sentences, but to sum up, you are basically helping to ensure that major search engines like Google and Bing are providing the absolute best results possible for every search query typed in.

People who tend to excel at search engine evaluation are usually very internet savvy, good at doing online research, and well-versed in popular culture.

Some reputable companies to consider for search evaluation include Leapforce, Lionbridge, and Appen.

3. Freelance Writing

Freelance writers take on writing assignments from either personal clients or through content sites, blogs, and so forth. The great thing about freelance writing is that it’s one of the most flexible non-phone jobs out there. You can work any time of the day or night and take as many breaks as you need provided that deadlines are met.

Two companies that are almost always accepting new writers are Textbroker and Demand Media. However, you’ll earn the most money as a writer if you work to find private clients so you can set your own rates.

4. Transcription

Transcribers listen to audio files and type what they hear. While this may sound easy enough, it actually requires a lot of patience and concentration. Simply put, not everyone is cut out for it. It’s one of those things you just have to try out and see if it’s a fit for you.

The three most common types of transcription are general, medical, and legal. General is the easiest type of transcription to break into as a beginner because many companies will consider you with no past experience.

Verbal Ink, Focus Forward, and Quicktate are a few reputable companies with regular openings.

5. Test Scoring

As a remote test scorer, you’ll be scoring student’s standardized tests and essays. This is usually project-based work. In most cases, you’ll need at minimum a college degree to qualify. Some companies may require that you have a teaching degree, too.

Reputable companies that frequently have home-based scoring openings include Pearson and ETS.

6. Virtual Assisting

Virtual assistants have clients who need help with day to day things and provide that help — virtually. While it’s true that there are many virtual assistants who do phone work, not all do.

Most virtual assistants have different skill sets and the work they do will revolve around these skills, such as writing, graphic design, or social media management.

Some well-known companies that regularly hire virtual assistants include Fancy Hands and Worldwide 101. You can also go into business for yourself as a VA and get some private clients. That’s usually the most lucrative route.

As you can see, there are plenty of non-phone options in the work from home world! Hopefully these suggestions will have you doing some serious thinking about which industry you should pursue for non-phone work and be well on your way to getting started.

What about you? Do you have a non-phone work at home job you love?

Anna Thurman is a work at home mom and blogger. She’s been researching and writing about work from home jobs since 2010. Her findings are published via her website, Real Ways to Earn.

Source: moneysavingmom.com

Alternatives to 401(k)s: Other Routes to Retirement

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Today, guest author Jeff Cooper of Have Your Dollars Make Sense offers interesting views on alternatives to 401(k) accounts. I maximize my 401(k) with my investment strategy, but I enjoyed understanding Jeff’s ideas.

Thanks Jeff!

-Jesse from The Best Interest

For most of us, a 401(k) is our main approach to saving for retirement. The concept is easy—stash away money now and use it later. But there are alternatives to 401(k) accounts…and for good reason!

Many people take pride in saying “I max out my 401(k)”, with the assumption they are taking the best possible route to retirement. But are they?

The two main objectives of investing are diversifying assets to lower risk while still maximizing returns.  401(k) accounts don’t check both of these boxes all of the time. They are a great tool for retirement planning but shouldn’t be your only tool.

So let’s look at alternatives to 401(k) accounts that will make your money work best for you and your retirement goals.   

401(k): Why You Should Contribute  

I’m not suggesting you completely ignore your 401(k). There are good reasons why you should be contributing. To name a few…

Company Matching

Many companies that offer 401(k) accounts will also match a percentage of an individual’s contribution. In the eyes of the employee, this is literally free money. There really is no reason not to take advantage of this benefit. Avoid any alternatives to 401(k)s that neglect this free money.

You should, however, be aware of how much your employer will match. Many employers cap the matching around 4-6% of your salary. After that, only your dollars will count towards your nest egg.

I also recommend looking into your company’s vesting schedule to understand when you’ll get partial- and full-ownership of the company matches.

Some companies will “clawback” their matching funds if you leave before a predetermined amount of time. You should, however, still be entitled to your full individual contributions. You’ll have to determine if you plan on being at your company long enough to take full advantage of their matching.     

Maximize Pre-Tax Dollars

Another money-saving advantage of a 401(k) is that your money is invested before taxes are taken out. This means you’ll get more bang for your buck, and here’s why:

If you wait to invest your post-tax dollars, there’s less money available to invest. For example, let’s say Jesse loses $50 per month due to taxes. It might not seem like a big deal. Just $50 a month!

But that $50 deficit will add up over the years. $50/month * 30 years = $18,000!

On top of that, the power of compounding gains on those missed dollars could be a difference of tens of thousands of dollars by the time retirement rolls around. The example below shows how Jesse might miss out on $40,000+ in compounding returns.

Chart, line chart Description automatically generated

Lower Taxable Income

Contributing pre-tax dollars to your 401(k) will also help to lower your taxable income. Few alternatives to 401(k) accounts can mimic this benefit.

Let’s say you have a salary of $100,000 per year.

If you contribute 8% of your salary, not only are you investing $8,000 of untaxed earnings but now Uncle Sam will only consider the remaining $92,000 to be taxable. It’s a rare win-win situation for the little guy when it comes to tax season.

Alternatives to 401(k): Customize Your Investment Strategy

There are definitely advantages to contributing to a 401(k), and it’s easy to understand why it remains one of the most popular investing options. But it’s also important to take a step back to think about what you’re ultimately trying to accomplish.

Here are some alternative ways to invest in your financial future (both short- and long-term) that may be better suited for you and your retirement goals. Let’s step through these alternatives to 401(k) accounts one by one.

Assess Current Financial Obligations

Retirement should be one of your top financial priorities once you enter the workforce, but that doesn’t mean you need to throw every last penny towards it right away.

In the beginning, contribute what you can while still maintaining current financial responsibilities.  Once you start to build up a solid financial foundation, you can begin to increase your contribution accordingly.

Another top priority is that emergency fund. Ideally, everyone should aim to have four to six months’ worth of expenses stashed away somewhere nice and safe. If you don’t have that money set aside, then putting less into the 401(k) and more into your savings may be more beneficial. 

Debt is also a big factor to consider when determining your contribution.  For as much as compounding gains can help you, compounding interest payments can be devastating. The interest rate on debt is typically guaranteed, but the rate on your investing gains often isn’t.

While you don’t need to wait until you are 100% debt-free before investing, you do need to be able to comfortably make all debt payments (and preferably extra) before amping up your 401(k) contributions.

Don’t Limit Yourself

Remember that diversity objective? Well, in my opinion, you can’t get a truly diversified portfolio in a 401(k).

Most companies provide a basket of 20-30 different mutual funds to choose from, and that’s all you get. Yes, by nature mutual funds will give you some degree of diversity. But you can’t reach the same levels that a traditional investment account can offer.

Plus, I wouldn’t want someone telling me what I can and can’t invest in. It’s my future! Alternatives to 401(k) accounts can open more doors.

And here’s a heads-up: mutual funds charge fees for managing your money—often called the expense ratio. Make sure to look for funds with low expense ratios. Index funds are typically the lowest.   

Index Funds fees can be significantly lower

Alternative Investments Can Potentially Offer Higher Returns 

Buying individual stocks isn’t typically available through 401(k) accounts. But historically, stocks have much higher returns than bond-laden mutual funds. Plus, there are no management fees when you pick your own stocks! You buy them at a fixed price and that’s that.

Yes, there’s a higher risk involved with hand-picking stocks. But the objective here is to grow your money as much as possible. If your risk tolerance is low, then you may want to stick with mutual funds. 

For those who are willing to roll the dice on alternatives to 401(k) funds, stocks are the way to go. Investing in stocks while still contributing to 401(k) mutual funds can both increase your returns and diversify your portfolio.

Investing isn’t limited to the stock market either. In today’s world, there are tons of different investment opportunities. Money can be invested in ways that weren’t always available to individual investors in the past. There are sites that let you invest in startups, cryptocurrency, online REITs, and the list goes on.

Each alternative to 401(k)s comes with a unique riskreward profile. But again, it’s all about diversifying and maximizing those returns. If you’re younger and can afford to take risks, then the choice is yours.

401(k)s don’t typically provide the opportunity to make these kinds of higher risk, higher reward investments.

Use Alternatives to 401(k)s to Align Overall Retirement Goals

Most people just assume they’ll work until they’re 55, 60, or 65 years old and use the 4% Rule. But that’s not for everyone—I know I don’t plan on it!

If you’re looking forward to an early retirement like I am, you’ll need access to your money. This may be a problem if most of your investments went into your 401(k), as you can’t begin to make penalty-free withdrawals until the age of 59½. The money will be sitting right there, but you can’t touch it without getting slapped. 

Having a well-diversified and accessible investment portfolio will allow you to retire when YOU decide you can. 

Conclusion

401(k) accounts have their advantages and deserve a place in your retirement portfolio. They offer several tax benefits and might give you free money, making it a no-brainer to contribute to them right away.

But you shouldn’t overlook the other options out there. There are alternatives to 401(k) accounts that have lower fees and higher returns. The money saved from fees and gained from higher returns could potentially outweigh the taxes you might save. It’s a big balancing act.

But remember: whatever you decide to invest in, it’s bringing you closer to your retirement goals and financial freedom!

Thanks again to Jeff Cooper of Have Your Dollars Make Sense for today’s article.

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Tagged 401(k), guest post, retirement

Source: bestinterest.blog

How To Get Your Blog Featured In The Media, Magazines, News, and More

Are you looking to grow your blog and business?

No matter what type of business you run, being featured in the media can improve your market reach, page views, income, and more.

How To Get Your Blog Featured In The Media

Photo credit: Daisy Gamboa

Today, I’m excited to introduce you to Selena Soo.

Selena has landed publicity and been featured in places like Forbes, Business Insider, Entrepreneur, and Inc., Entrepreneur On Fire, Smart Passive Income, and more.

I have heard amazing things about Selena over the years, and we randomly connected one day when we realized that we were both in a small town in Puerto Rico at the same time for several months.

Media features are something that I’m always extremely happy to land, and I know that they do wonders for a blog. In fact, in 2021, I am hoping to land even more features. I have been featured on Oprah, Reader’s Digest, Forbes, CNBC, Business Insider, and so much more.

Due to that, I know how valuable media mentions are!

You can see many of my features here, and as you can see, I have put a lot of time into it over the years.

All the time I am asked how I have so many features in the media….

And, luckily today you can learn how to get your blog and business featured in the media more.

In this interview, you’ll learn:

  • How publicity has changed Selena’s life;
  • How publicity can help grow your blog;
  • The first step to getting featured in the media;
  • What an effective pitch consists of;
  • How to build authentic relationships without being annoying;

And more!

You can also get free access to her 2021 Publicity Calendar. This contains 179 story ideas, dates, and hooks to help you create endless media attention and buzz! If you want to get featured in magazines and popular websites, this is something that you will definitely want to sign up for.

Please enjoy the interview with Selena below.

1. Tell me your story. Who are you and what do you do?

I’m a publicity and marketing strategist who has worked with everyone from eight-figure business owners to entrepreneurs just getting started. I help them shine a spotlight on their expertise using the power of the media.

But my seven-figure company didn’t spring up overnight.

When I was in my mid 20s, I had a quarter life crisis while working for a nonprofit.

As I was figuring out what I wanted to do with my career, I stumbled upon a network of inspirational authors, coaches, and entrepreneurs.

I was grateful for how their wisdom and mentorship helped me through a difficult time in my life and felt inspired to help them reach more people.

I started my publicity agency to help them create the same impact they had on me, but on a much larger scale. I’ve since expanded my brand into other offerings, like my best-selling online program Impacting MillionsⓇ!

2. How has publicity changed your life and business?

It’s always been easy for me to help others get attention — but as a natural introvert, I shied away from the spotlight.

The challenge was that I knew that if I wanted to create my biggest impact, I needed to put myself out there and become visible.

After my first guest post, I doubled my email list with over 1,000 people signing up the first day my article was released.

Since then, I’ve landed top publicity in places like Forbes, Business Insider, Entrepreneur, and Inc., as well as top industry podcasts.

It’s helped me to grow my audience, increase my credibility, and ultimately, to build a multi 7-figure business!

3. How and why did you start connecting with influential people?

I started connecting with people that inspired me because I wanted to help them get their message out into the world.

I followed their work closely and began to see ways and opportunities to support them.

So I started to reach out, saying things like, “I know someone you should connect with.” Or, “This would be a great opportunity for you — can I put you in touch?”

Today, I’m able to count the most amazing people as my friends, mentors, and clients.

4. How can publicity help grow a blog and other businesses?

Publicity is the fastest way to gain credibility in your industry.

It’s one thing to tell everyone you’re the best at what you do, but it’s another to have media and influencers vouching for you—and publicity does just that.

Not only have our students been able to leverage publicity to establish themselves as authorities in their fields, but they’ve also been able to translate media wins into financial gains.

Impacting Millions students have used media appearances to sell their courses, find new clients and take their businesses to a whole new level.

Graduates have told us that they increased their rates (with some catapulting from 3-figure to 5-figure offers even during a pandemic), have consistently brought in $10,000 per month, have gotten paid book deals and have increased their revenue by six figures due to publicity.

5. Can you go over the steps it takes to get featured in the media?

One of the first steps to being featured in the media is to prepare yourself mentally for the opportunity.

So many of my successful clients and students dream of appearing on their favorite podcasts or popular blogs, but they’re terrified of putting themselves out there until they go through the course.

One of the first things we do in Impacting Millions is to help you get into the mindset of the media so that you can confidently email a podcast host or a TV producer without your hand shaking over the send button.

Additionally, it’s essential to position yourself as an expert and have a great story idea. All things we help you do in Impacting Millions!

Photo credit: Patience Manzare

6. What is an effective pitch? What does it consist of?

Email is the most effective way to reach out to the media.

A strong pitch has a subject line that will grab their attention, as well as an email body that establishes why you’re an expert worth taking notice of.

Include your story ideas in the email, as well as relevant samples of your work.

For example, if you’re looking to write a guest post, share writing samples. If you’re looking to be on TV, include video clips of you being interviewed.

7. How can a person make themselves stand out so that they can get those coveted media features?

One of the best ways to stand out is to offer the media a compelling story idea.

When submitting it, choose a headline that would grab the reader’s attention and get a lot of clicks.

When you outline the tips you’d share, include fresh perspectives that are surprising and counterintuitive.

You want to spotlight your brilliance by offering advice they haven’t heard before.

8. How can a blogger build authentic relationships with those in their network, without being annoying?

When you meet someone new, make it a priority to understand their needs and goals.

When you take a genuine interest in other people your interactions will be memorable in all the right ways.

How could you help them or support them?

  • It might be as small an action as leaving a thoughtful comment on their social media feed or letting them know that you shared their content with your audience.
  • It could be as big as suggesting a virtual coffee date to learn more about the projects they’re working on and how you can be of service with no strings attached.

When you’re in touch about things that are important to them, you’ll never be seen as an annoyance.

9. What advice would you give to someone who is an introvert, and afraid to put themselves out there?

Reconnect to your why.

It’s natural to have fears, but when you remember the work that you’re doing is for the greater good, it can take away some of that fear.

10. Can you tell me more about your program, Impacting MillionsⓇ?

Impacting Millions is for entrepreneurs, experts, coaches, and service providers who have a deep desire to reach more people with their message.

You’ll learn to create a strategic media plan to land dream publicity opportunities to catapult you from best-kept secret to highly sought-after leader.

As a result, you’ll attract clients with greater ease, while impacting more lives than you ever imagined!

11. What is your very best tip (or two) that you have for someone who wants to see success in the media?

It’s fairly similar to creating a successful blog.

Don’t just think about what you feel like writing or talking about. You need to focus on the stories that you know that the audience of that media outlet wants to hear. If you’re focused on making the podcast host or the website’s editor be the first to highlight a trend for their audience, get original advice on a topic, or bring lots of traffic to their site, you’ll become a darling of the media.

Additionally, make sure to promote your articles and interviews when they are published. Not only will it make the people at the media outlet happy, but it creates excitement within your audience—who may also share it with the people in their world. The more people are seeing and talking about your media appearances, the bigger impact those appearances will make!

12. You have a free gift for readers who want more publicity. Can you tell us more about that?

Yes!

I have a 40+ page Publicity Calendar with hundreds of story ideas, key dates, and special hooks to get into the media. One of the secrets to landing media is to make your pitches timely and relevant—and this calendar helps you do just that. We have ideas and tips for all 12 months of the year.

You can instantly download your free copy here.

Are you trying to grow your blog or other type of business? Have you tried getting featured in the media? What other questions do you have for Selena?

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Source: makingsenseofcents.com