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Safety First: How to Protect Your Money from Debit Card Fraud

Debit card dangers

Written by R. A. Stewart

How to make the most of your bank’s debit card.

Having a debit card is a handy banking aid to have at your disposal. If you like buying stuff off the internet then you need some form of visa payment system to allow you to do this. Certainly not owning a debit or credit card in this day and age is a bit like not knowing how to use the internet and I have met a few of those people.

There are some rules which need to be followed if you are to make the most of your debit card.

You may not agree with some of what I am saying here but then again there may be something in this article which may be helpful.

Don’t do these things with your debit card:

  1. Don’t have your pay direct debited into your debit card.

If you do this then you are asking for trouble especially if you are buying and selling online because these sites will have your card details and all it would take is for one of these sites to be hacked leaving your card details to be exposed to fraudsters. I use my debit card for online purchases only. I deposit money into my debit card from my personal savings account. 

  1. Don’t use your debit card as a way to save money for your holiday, car, or anything else.

The most obvious reason for this is that your money is not earning any interest. There are better options available for investing your savings such as a personal savings account if the money may be needed within twelve months or an online share market platform such as sharesies or robinhood if you are investing for a longer term.

  1. Don’t leave your debit card lying around where anyone can pick it up.

This is the same as leaving your household keys lying about. If you are just using your debit card to make online purchases only then there is no reason to carry it around with you. Leave it in a safe place at home.

Contact your bank if you notice any deductions on your statement which you never made.

They will then cancel your card and order a new one for you. Take some form of ID with you when you do this.

I knew a lad who had $3,000 missing from his savings account so he contacted his bank. This lad had his debit card linked to his ordinary savings account on one of those overseas websites where you buy stuff. (It was not ebay). What they discovered was that the website was hacked which meant that his account details was exposed. 

In the end, the bank refunded his money. 

I told him that he was better off depositing a lump sum into an account which is not linked to internet banking.

Here are other ways of getting the most out of  your debit card

  1. When using your debit card at the checkout at a retail store choose “cashback” instead of visiting an ATM machine to avoid fees.
  2. Utilize app features to lock your card if it is stolen or lost to temporarily block certain transactions from taking place.
  3. For overseas travel use the wise debit card to minimize high foreign exchange fees which would have otherwise be charged on your bank’s debit card.

About this article

The article is of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. 

You may use this article as content for your  blog/website or ebook.

Read my other articles on www.robertastewart.com

The Wise Travel Card

The Wise Debit Card represents a significant step forward in the realm of international banking and financial services. Its commitment to transparency, competitive rates, low fees, and user-friendly features make it a compelling choice for anyone seeking a better way to manage their finances across borders. Whether you’re a frequent traveler, an expatriate, or simply someone looking to save money on international transactions, the Wise Debit Card is worth considering as a reliable and efficient solution.

Get your Wise Card Here

Disclaimer: I may earn a small commission if you sign up for wise.

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Investing in New Listings

Investing in New Listings

Written by R. A. Stewart

Is it worthwhile buying shares in New Listings, also known as Initial Public Offerings?

I have read that these have the potential for significant early gains, but they can at the same time be risky. 

Pros

There can be benefits in investing in new listings.  They are:

  1. High growth potential if the company performs well in the early stages
  2. You get the chance to invest at the offering price before the company lists on the stock exchange.
  3. The IPO process has stringent rules meaning there is increased scrutiny on the company prior to listing.
  4. Newly listed companies are often hyped up meaning that the share price rises sharply soon after listing.

Cons

There are some downfalls of investing in these new public offerings. They are:

  1. There is limited data to use for making a future prediction.
  2. Shares can be highly volatile if the market is down or the company fails to meet its expectations.
  3. If the New listing is oversubscribed you may receive fewer shares than you requested.
  4. The new listing can be overhyped by its promoters that the price per share is set too high leading to a drop in the share price once the trading starts.

Things to consider

  1. Read the prospectus and do your research online to make sure you understand the risks involved.
  2. Company insiders may not be able to sell their shares for a set period of time and when this set period ends there may be a considerable drop in the share price.
  3. Access to new listings may not be available unless you have a brokerage account, however, they may be available through online platforms such as sharesies and robinhood which allow you to purchase shares with a minimum of investment.
  4. If you don’t have the time to research individual IPOs then maybe you can invest in an Exchange Traded Fund  (ETF). This way you are able to invest in a range of IPOs without trying to pick a single IPO.
  5. Monitor the stock after purchasing it to see how it is going. There are some influencing factors which determine the directions of the stock. This can be initial public demand and hype, market sentiment, and economic trends.
  6. My view is that Initial Public Offerings are not for long-term investing but something which can be part of your portfolio as an added interest. The same rules apply to initial public offerings as they do with any other company you are investing in. The questions you should be asking is:
  7. How does this fit into my financial strategy?
  8. Can I afford to lose this money?
  9. How have similar companies fared in the past?

In a nutshell you should do your own due diligence because you are the one who has to live with any financial decision made concerning your money.

About this article: The contents of this article are of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your blog/website or ebook.

Read my other articles on www.robertastewart.com

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Don’t let a cashless payment be an inconvenience

Don’t let a cashless payment be an inconvenience

Written by R. A. Stewart

It’s a sign of the times when more and more businesses do not accept cash. This means that if you are on holiday, it is important to have a card which can be used for a tap and go with low bank fees. 

Most bank ATM cards will work in other countries but each withdrawal will be costly and if you are using this form of payment for small purchases at the checkout in another country, your bank fees will quickly add up as you will discover once you return home on your overseas trip.

Using a debit card is a handy option. These work in much the same way as a credit card but with one difference; you are using your own money. Once your balance is used up, that’s it, you cannot spend any more than what you have in that account. It is just a matter of topping it up. 

The Wise debit card is one which I have recently joined. This is a travel card which can be a useful addition to your payment options where cash is not accepted.

When you sign up you require an ID such as a passport or driver’s license. You also need to verify your address. This is done using a utility or a rates bill.

Ordering your card is simple. Just log into your wise account and order it from there. It costs $14.50 ($NZ). You will receive your card within two weeks. 

While the  wise debit card offers numerous benefits, it’s not without its limitations. Availability may be restricted in some regions, limiting its accessibility to a global audience. Additionally, ATM withdrawal limits and fees may vary depending on the user’s location and the currency being withdrawn. However, these limitations are relatively minor compared to the overall value proposition offered by the Wise Debit Card.

Note Wise was previously called Transferwise.

Join Wise Here

Wise may not be for everyone due to different personal circumstances; therefore, discretion is advised. I may receive a small commission if you sign up for wise.

Www.robertastewart.com

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Invest and Forget

Invest and Forget

Written by R. A. Stewart

I know a couple of people who have money invested in the share market and keep track of how their investments are going by checking up on their shares online just about everyday. I told them that I just invest in such and such and then just forget about them. 

For me, there is no point in worrying about how your share portfolio is going because what the markets are doing is out of my control.

If you have chosen where to invest your money and it is in line with your values, your goals, and your risk profile then what the markets are doing should not be a concern for you.

Financial experts will tell you that if you are investing for the long-term, 10 years plus, you should be a little more aggressive with your investing.

Some investors get panicky when the markets are down and shift funds. Then what happens next is that they miss out on the gains which would regained their previous losses, if you can call it that, because these are just paper losses. They are temporary, but if you decide to sell when your shares are down or switch to conservative funds then these losses are locked in.

Some investors change fund managers because their funds are not doing well. It is worth noting that past record is no guarantee of future performance, so even if a particular fund manager out performed all others this year it does not necessarily mean that they will continue this trend.

If you have chosen which fund type to invest in then how the markets are performing should not be an issue.

Your savings goals can be categorised in one of three goals; they are:

Long-term goals

Medium term goals

Short term goals

Long-term goals are money which is not needed for 5 years+. Retirement savings and house deposit savings are examples of long-term goals.

Medium-term goals are money not needed for 1-5 years. Saving for a car or the trip of a life-time fall into this category.

Short-term goals are money needed within 12 months. This could be your emergency fund set up for unexpected expenses such as an appliance or car breaking down. School expenses, etc.

There is no one shoe which fits everyone, therefore it is up to each individual or couple to set up their own financial plan according to their goals and personal circumstances.

Which funds are best for you?

There are three types of funds to choose from when you invest in a managed fund, also called mutual funds. They are:

Growth funds

Balanced funds

Conservative funds.

Growth funds have the most potential to grow your wealth but are the riskiest. They are for long-term investing. It is suitable for young people because they have more time to recover from a market meltdown.

Balanced funds are a combination of growth and conservative funds. They have the potential to grow your funds but are not as risky as growth funds. 

Conservative funds are safer than growth and balanced funds but are not as profitable. They are more suitable for short and medium-term investing depending on how much risk you are prepared to take on.

Once you have chosen where to invest your money, you should just get on with your life and turn your attention to other things. In other words, “Invest and Forget,” because what happens in the money markets is out of your control.

About this article

This article is of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your website/blog or ebook.

Read my other articles on www.robertastewart.com

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How to Create a Travel Budget

Traveling is one of life’s greatest investments, but nothing kills a “vacation high” faster than returning home to a drained bank account. Creating a travel budget isn’t about restricting your fun; it’s about allocating your resources so you can enjoy your trip without the nagging ghost of financial stress.

Here is how to build a realistic, foolproof travel budget from the ground up.

1. Determine Your “Big Three” Costs

Before you look at the price of a gelato in Rome, you need to tackle the pillars of travel spending. These usually account for 70% of your total expenses.

  • Transportation: This includes international flights, trains between cities, and car rentals.
  • Accommodation: Research the average nightly rate for your preferred style (hostels, mid-range hotels, or luxury rentals).
  • Major Activities: If you know you’re doing a $300 hot air balloon ride in Cappadocia, put that in the budget now.

2. Estimate Daily Living Expenses

This is where most travelers lowball their estimates. To get a realistic number, break your daily spending into three categories:

Category What it Covers Pro-Tip
Food & Drink Street food, sit-down dinners, and morning lattes. Check menus on Google Maps beforehand.
Local Transport Metros, Ubers, or bike rentals. Buy a multi-day transit pass to save.
Spontaneous Fun Museum entries, souvenirs, and “that looks cool” stops. Budget 15% more than you think you need.

3. Don’t Forget the “Invisible” Costs

“Hidden” fees are the silent killers of a travel budget. If you don’t account for these, you’ll find yourself $200 in the hole before you even leave the airport.

  • Visas and Entry Fees: Some countries require a paid visa or reciprocity fee.
  • Travel Insurance: A non-negotiable. It might cost $50–$100, but it saves you thousands in a medical emergency.
  • Connectivity: International eSims or roaming charges.
  • Transaction Fees: Check if your credit card charges a 3% foreign transaction fee. If it does, consider switching cards before you fly.

4. Use the “Buffer” Strategy

In the world of travel, things go wrong. A flight gets delayed, you miss a train, or you find a local leather shop that you simply cannot ignore.

The Golden Rule: Calculate your total estimated cost, then add a 10–15% “Buffer Fund.” This turns a “financial disaster” into a “minor inconvenience.”

5. Reverse-Engineer Your Savings Plan

Once you have your total number—let’s say it’s $3,000—divide that by the number of months until your trip. If you’re traveling in six months, you need to squirrel away $500 per month.

If that number feels too high, you have two choices:

  1. Extend the timeline: Push the trip back three months.
  2. Adjust the scope: Trade the four-star hotel for a boutique hostel or choose a more affordable destination.

6. Track in Real-Time

A budget is only useful if you follow it. Use apps like TravelSpend or Splitwise (if traveling with friends) to log expenses as you go. Seeing the numbers climb in real-time prevents that “oops, I spent my last $400 on a rug” moment at the end of the week.

Final Thoughts

A great budget doesn’t mean being cheap; it means being intentional. By planning for the essentials and padding for the unexpected, you give yourself the ultimate travel luxury: peace of mind.

Check these travel planners on etsy:

https://thebigoe.etsy.com/nz/listing/4452614658/wanderlust-wallet-professional-travel

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Investing in Risk and Reward and how it affects you

Written by R. A. Stewart

In life people get involved in what are considered to be dangerous activities. Being a jockey or a racing car driver are such activities but there are protocols in place to mitigate the risks. If a horse slips after a race the jockeys will examine the track in order to ascertain whether it is safe enough to proceed with the race meeting. If they are not satisfied, the meeting is abandoned.

It is called “risk management.”

Investing is similar. Investors will weigh up the pros or cons of a certain investment or their fund manager will do this for them and will then make a decision on whether the company is worth investing in.

Investors need to know the difference between a permanent and a temporary loss.

You can have two investors which have shares in the same company, but they react differently to what is happening in the market. One investor panics after the company’s share price drops so has suffered a permanent loss, the other investor holds on to his shares and when the company’s share price rebounds he has recouped his losses. The second investor suffered a temporary loss.

If you have invested according to your risk-profile then what the market is doing should not be a concern to you.

It is important to keep your emotions in check, otherwise they can end up costing you in the long-term.

When investing you want the right amount of risk and that all depends on when you need the money. You can be more aggressive with your retirement savings if you have at least 10 years to go but if the money is needed within 5 years then you need to be a little more cautious because what you do not need is for the markets to drop just when you need the money.

Time can work for and against you in terms of what you do with your money. If you are young then you have the advantage of time on your side. You can be more aggressive in your choice of where to invest your money because you have more time to recover from financial hits. But you have to be prepared to take calculated risks in order to take advantage of the rising markets.

At the other extreme, being too safe and over cautious is not good because inflation will erode the purchasing power of your savings. Leaving your money in an ordinary savings account may be fine for money you need in the short-term but it is not appropriate for long-term savings.

Investing is a balancing between risk and reward. It is important to stick with your plan despite what the markets are doing because panic selling when the markets are down will turn a temporary loss into a permanent one. This means that those investors who sell their shares during a market downturn will miss out on the gains when the market recovers.

If you want to get involved in any kind of dangerous activity, think about the risk and how it will affect your future lifestyle if it all goes pear-shaped, and most of all how much risk you can tolerate.   Never let a temporary loss become a permanent one.

ABOUT THIS ARTICLE

The contents of this article are of the opinion of the writer and may not be applicable to your personal circumstances therefore discretion is advised. You may use this article as content for your blog/website, or ebook. Read my other articles on www.robertastewart.com 

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The Advantages of Saving Money

The Advantages of Saving Money

Written by R. A. Stewart

“It is not how much you receive but rather what you do with it after you receive it.”

The benefits of saving a portion of whatever you receive cannot be understated. We all have a choice in what we do with our money and unless you are being controlled by someone else then your choice of what happens to your money is the major influencer of your long term financial wealth.

It is the choices you make in life which will have a major influence on your financial outcome. That is the choice of entering into a relationship, the choice to purchase a car, and so forth. In many instances there are people who bleat about the cost of living crisis but at the end of the day their situation is often their own making.

It is all about priorities. 

It can be said that stupidity is one reason for poor financial outcomes. I mean how else do you explain why there are people who are subscribed to Netflix and satellite TV, but have not joined Kiwisaver, New Zealand’s retirement scheme.

Saving for something and not just for the sake of it will give your life some purpose.

If you are wondering what to save for, here are several ideas:

  1. Your retirement
  2. An emergency fund
  3. An education fund
  4. Travel
  5. Major Purchases
  6. Your Hobbies
  7. Your Wedding
  8. Home repairs
  9. Start a business

There is a stark difference between saving to build up your wealth and saving to spend. When you are saving to build up your asset base you are increasing your resilience to life’s financial shocks. Saving to spend means that you are back to square one once your money is gone. This is particularly so when it comes to travel. 

Other expenses such as further education can be a good investment but you have to be sure that it is what you really want to do otherwise it will be just a waste of time and money.

Setting up an emergency fund is an excellent way of having money available for unexpected expenses which may crop up from time to time. 

Home repairs may add value to your home but it all depends on your priorities. Retired people may prefer to spend that money on travel.

Here is something to think about:

Having your assets in the share market means that your assets can be quickly turned back into cash when you need it. This is not the case with property which may take months to sell.

Another thing to consider with property is that many of the home improvements may not even increase the valuation of the property which means that it is money which is spent with no return.

Saving and investing money is a good habit to get into, it leads to a more prosperous future. Borrowing money and getting into debt is a bad habit which can lead to a poor financial outcome. Even if you do manage to pay everything by the due date, you have to consider whether you are making the right choices in your choice of lifestyle.

Paying interest on borrowed money over a lifetime is an expensive way to purchase stuff. It is better to save up for things rather than borrow, that way you will pay the retail price of whatever it is you are purchasing.

The bottom line is that living within your means is the key to managing your money successfully and that requires discipline.

Read my other articles on www.robertastewart.com

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Exploring the Pros and Cons of Utilizing Expedia for Travel

In today’s digital age, planning a trip has become more accessible than ever before, thanks to a myriad of online travel agencies (OTAs). Expedia stands out as one of the most prominent players in this field, offering a vast array of travel services from flights and hotels to car rentals and vacation packages. While Expedia undoubtedly simplifies the travel booking process, it comes with its own set of advantages and drawbacks that travelers should consider before making their reservations.

Pros:

  • Convenience:  Expedia provides a one-stop platform where travelers can browse and book flights, accommodations, and activities all in one place. This convenience saves time and effort compared to visiting multiple websites or contacting individual service providers separately.
  • Competitive Pricing: Expedia often offers competitive pricing due to its ability to negotiate deals with airlines, hotels, and other travel suppliers. The platform frequently features discounted rates, special promotions, and bundled packages, allowing travelers to find cost-effective options for their trips.
  • User-Friendly Interface: Expedia’s website and mobile app are user-friendly, featuring intuitive navigation and search functionalities. Travelers can easily filter search results based on their preferences, such as price range, location, and amenities, making it simpler to find accommodations and flights that meet their specific needs.
  • Reviews and Ratings: Expedia aggregates reviews and ratings from verified travelers, providing valuable insights into the quality and reliability of accommodations, airlines, and activities. These reviews help users make informed decisions and choose options that align with their expectations.
  • Customer Support: Expedia offers customer support services to assist travelers with booking inquiries, itinerary changes, and other issues that may arise before, during, or after their trip. This support can be accessed through various channels, including phone, email, and live chat, providing peace of mind to travelers facing unforeseen circumstances.
  • Check out some great travel bargains here

Cons:

  • Hidden Fees and Restrictions: While Expedia advertises competitive prices, travelers may encounter hidden fees, such as booking fees, resort fees, or additional charges for amenities. Moreover, some bookings may come with restrictive terms and conditions, such as non-refundable rates or strict cancellation policies, which can lead to unexpected expenses or inconvenience.
  • Limited Customization: Despite offering a wide range of options, Expedia’s customization capabilities may be limited compared to booking directly with airlines or hotels. Travelers with specific preferences or requirements may find it challenging to tailor their bookings precisely to their needs, potentially compromising their overall travel experience.
  • Dependency on Technology: Relying solely on Expedia for travel bookings introduces a level of dependency on technology. In the event of technical glitches, server outages, or connectivity issues, travelers may encounter difficulties accessing their reservations, making changes, or obtaining assistance, which can be particularly stressful when traveling.
  • Lack of Personalized Service: While Expedia provides convenient self-service options, it may lack the personalized touch offered by traditional travel agencies or direct bookings. Travelers seeking expert advice, customized itineraries, or personalized recommendations may feel underserved by Expedia’s automated platform.
  • Potential for Overbooking or Errors: Like any online booking platform, Expedia is susceptible to errors, including overbooking, incorrect listings, or discrepancies between what is advertised and what is actually available. Travelers may encounter frustration or inconvenience if they arrive at their destination only to discover discrepancies between their expectations and the actual accommodations or services provided.
  • Check out some great travel bargains here

In conclusion, Expedia offers a convenient and cost-effective solution for travelers looking to book flights, accommodations, and activities online. However, it’s essential for travelers to weigh the pros and cons carefully and consider their individual preferences, priorities, and travel requirements before relying solely on Expedia for their trip planning needs. By understanding the advantages and limitations of using Expedia, travelers can make informed decisions to ensure a smooth and enjoyable travel experience.

Discover more about Expedia in the link below:

Check out some great travel bargains here

 

Sign up for Expedia here

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4 Keys to Financial Success

 

There are rules to getting the most out of your money and these rules apply to everybody irrespective of your personal circumstances, stage of life, or goals. They are basic common sense.

  1. Live within your means

This is the most basic money management rule. If you do not follow this rule then you are going to struggle to get ahead financially. There are several reasons why people do not live within their means. The main ones are:

(a) Their income does not match their lifestyle

Some people have a lifestyle which is not compatible with their income level and so they overspend or they spend everything they earn with the result that there is nothing to show for their labours. The easy solution is to be more modest in your lifestyle choice. Cutting out things which do not add any kind of value to your life.

(b) Easy access to credit

Easy access for credit has enabled people to bury their heads in the sand rather than confront their financial issues. After all, if you want something then just put it on the plastic. There is a cost to all of this credit and it is called “Interest.”

(c) Lack of self control

Lack of self control is the main factor why people do not live within their means. Being able to say “No” to things you want will stand you in good stead. 

  1. Save

The habit of saving is a habit which will open doors for you as far as being able to afford things. It means that you do not have to borrow money for basic household appliances or a motor vehicle if one is needed. The money saved by not paying interest on these things add up to a fortune during one’s lifetime.

  1. Invest

Investing your money will enable your wealth to grow. Today, there are so many opportunities for those of modest means to invest with so many online investing platforms available. Sharesies and Hatch are excellent online platforms where investors can drip feed money into the share market. Most people in New Zealand have money invested in Kiwisaver. This is New Zealand’s retirement scheme. The annual tax credit and the employer contributions make this the best way of saving for your retirement. Even if these incentives were not available, Kiwisaver would still be a brilliant scheme even without the government money and employer contributions, because funds are locked up until you reach the retirement age of 65.

  1. Make right choices

It is important to make the right choices in order to live a more prosperous life. If you are on the minimum wage then your options are limited as far as what you can afford and the choice to get married, have kids, or buy a car is among those choices which cannot be taken lightly. It is all about making choices which align with your income level and your goals.

I am not saying that you should not get involved with someone if you are on a low income, but rather make sure that you are in a good financial position before you make major life decisions.

About this article

The information in this article is of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your blog/website or ebook.

Read my other articles on www.robertastewart.com

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How to get the most out of your Kiwisaver this year

How to get the most out of your Kiwisaver this year

Are you getting the most out of your Kiwisaver? 

Here are the main ways of making the most out of your Kiwisaver. If you live in a country outside of New Zealand then some of these points may not be applicable to you.

  1. Claim your full tax credits

The government will pay you $260 every July as an incentive for contributing to Kiwisaver, but to claim this amount you must deposit at least $1,040 every year. This needs to be the goal for everyone who is in Kiwisaver.

Women have breaks in their employment to have kids and often miss out on the government tax-credits. It makes sense for husbands to make voluntary deposits into their wife’s Kiwisaver to ensure that she makes the minimum deposit of $1,040 in order to qualify for the $260 annual tax credit.

  1. Choose the right fund

Choosing the right fund can help your savings grow and grow in the long term. If you are too conservative then you are going to leave yourself short-changed by the time you retire. Retirement savings are considered a long-term investment if you have at least ten years before you retire, however, if you intend to continue working after you reach the age of 65, then you may wish to stick with growth/balanced funds. It all boils down to the risk you are willing to accept and whether a market downturn is going to affect your lifestyle.

You may have your kiwisaver invested in growth funds, but that does not mean that other investments should also be in growth funds. It all depends on your timeline and when you may need the money. If you need the money within five years then it may pay to take a more cautious approach and invest conservatively.

  1. Invest what you can

If you are not employed or are self-employed and can afford to make voluntary contributions into your Kiwisaver then do so by all means. Your future self will thank you for it. Think of what you spend your money on which does not provide you with any value. This could be diverted into your retirement fund instead. 

  1. Check what your contributing

Employers have the option of paying in 3% up to 10% of their gross wages into their Kiwisaver. If you have not nominated how much then you’re probably putting in the minimum amount of 3%. 

  1. Start young

If you have children then it is important that you teach them good financial habits. That is saving for the future. As far as Kiwisaver goes, the age of qualification for the Kiwisaver tax credits has been lowered to 16. This will give youngsters extra motivation to join. 

Saving for your future needs takes vision and is the responsible thing to do and with Kiwisaver you have a scheme which will take care of your needs in later life, providing that you keep contributing during your working life.

About this article

This article is of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your blog/website or ebook.

Read my other articles on www.robertastewart.com