One of the major stumbling blocks that hinder job seekers from gaining employment is usually the issue of experience. Most employers will often require their candidate to have worked in a similar niche for quite some time. This program grants job seekers such as vital resource. It is especially relevant to those who intend to pursue a career in sales and marketing.
If you are writing online your posts should be brief, clear, checked for spelling and grammar and consistent. Your blog may not have broad appeal if it has limitations in these, so your EBooks and public posts can benefit from a professional proof-reader, or extra classes in English, whether it is your first language or not. Whether you write a blog, a book or anything else, your only tool to deliver your message is language, and you should gain all the skills you can with it. If you don’t have time for this, use the services of someone with the best language skills you can find.

If you have an inclination to chemistry, biology, can present your science well and work well across line functions, the biotech / pharma industry is a great place to build a career. And it’s not cyclical. Huge unmet need in so many diseases and the constant demand for more efficacious medicines will always require innovative young scientists to come to the fore.
My wife and I have a very similar story. I graduated in 2011 with a Bachelors in Mechanical Engineering from a public university. I took an engineering job with a major oil and gas company making $80k starting. With steady pay raises and 5 years experience, I’m now making $125k. My wife started out in the oil and gas industry working for a consulting engineering company for $75k in 2012 and steadily rose to $88k. However, there are definitely drawbacks to the profession. I have lived in 4 different cities since I started working (you have to move where the work is). Also, I was laid off from my previous employer in April 2015 due to the downturn in oil prices. I was very fortunate to find a job with another oil major in September 2015, but it required relocating to a different state away from my fiancee (married just a few months ago!) and family at the time. My wife was laid off from her O&G job in Feb 2016 as well. I can honestly say that the sacrifices I and my wife have to make by working in oil and gas have been worth it though. We’ve aggressively saved our money, and we’ve made money on each of the relocations. We’re on track to reach financial independence much, much sooner than if we had chosen careers in another industry. I also thoroughly enjoy working in the O&G industry which is more than many people can see about their jobs/career path.
Someone does not have to lose for someone to win. That is called gambling. An example; let’s say you go to a bank to borrow money to start a bakery. You bake a lot of cakes for a lot of weddings. Your customer wins because you baked an awesome cake for there wedding, you win because you got there money, and the bank wins because they got there money back with interest. Also, the bakery bought flower for the cake so there supplier wins, the supplier bought it from the distribution center who wins, the distribution center bought from the manufacturer who wins, the manufacturer bought from the farmer who wins. Everyone wins. Even the government who collected taxes on every step above won.
I am so glad you speak so openly and honestly about being paid what you’re worth. As an ESL teacher who’s a contractor, I find it hard to give up my contractual gig to jump on the salary scale of a school because I feel like I would be underpaid. And unfortunately, I still find it hard to shake the feeling that what I’m paid equates to what I’m worth, professionally speaking. Despite teachers’ relatively lower earning trajectories, though, Thomas Stanley of The Millionaire Next Door found they were more than twice as likely as the average American to be prodigious accumulators of wealth. So, despite low pay, or perhaps because of it, teachers tend to save and invest more than doctors, lawyers, and other traditionally higher paid professions. So I hold that thought close.

university grades arent everything. yoy just need the bare minimum to reach whatever goal it is you want. 90% of the time youll learn everything on job and your grades wont mean shit. btw check out how many phds, masters, and undergrads work st your local starbucks. right now btw my friends and i, all who have degrees, the median is around 40k. with the upper end at 80k.
Hey financial smaurai I have a question, I just turn 18 and I’m gonna be a senior this year in high school, my grades was mediocre and my job sucks, I am a host of a restaurant making 10$/hour and only working 15-20 hour per week. I always wanted to be big in life and my passion is animals. I want to work in the field of zoology like maybe marine biology wil I be able to make 100k in that work field

Fantastic, thanks for sharing your story John! I am curious, you talk about UT a lot, are you by any chance from UT or in the Texas area? I’m not sure I can make 6 figures before the age of 25 with my employer but I’m going to look for other passive income opportunities to make sure that I get to make 6 figures by that age. It’s a bold goal but I hope that I can make it. Petroleum engineers are having a hard time right now but that’s the boom and bust of any commodity, right?
I could talk about unions forever, Alice! I didn’t in this post because I didn’t want to get too lost in the weeds for people who aren’t part of the profession. My parents are both retired union workers, and I will be part of a union for as long as I can be. Sadly, the right-to-work nonsense is rubbing off, and we just got a letter from our union saying that it is now optional to be part of a union. I have to be honest and say that teachers’ unions (at least in our area) aren’t what they used to be. But as long as I can, I will fight for mine. So glad you spoke up, Alice! Your building is lucky to have you!
Can you make money with affiliate marketing? The short answer is yes, affiliate programs can earn a extra money and even a full-time income from home. The long answer is a little more complicated. Like any home income venture, success comes not so much from what you choose to do to make money, but whether or not you do what needs to be done correctly and consistently.
Plan to work til your able like 78. My dad finally wants to go part time at 90 years of age. He quit his CEO job and traded that job in for treasurer for a small company. He plans to work and save his money until 94. Nursing homes cost and so do CNA’s if you cannot walk, dress or take a bath. My mom took her meds until she was 89 and then 200,000 dollars was spent for 5 years to take care of her. It is probably double plus by 2016.
Thanks for sharing your experience. It was a real eye-opener for me. I am new to affiliate marketing and am looking for ways to make a steady income. Your affiliate program seems to fit my needs. If you have the time email me with your affiliate link to signup and I hope you can help me get started the right way. Any assistance would be greatly appreciate. Be Blessed.
I totally hear you with deciding on your affiliate products first, and then designing a blog around that decision. I am currently in a niche where the few affiliate products around are fairly low-commission, so it makes earning a decent living with them nearly impossible. Also, the audience is seasonal, so sales spike and then drop to nothing a couple times a year.
Hello I just stumbled across your blog and I needed some advice, which is greatly appreciated. I graduated with a degree in accounting with a B average, got fired as a trainee after 4 months out. Decided to try my hand at med. Did a few courses did a little better. decided to go back to accounting and could not for the life of me a get a job, not even at the small firms. Finally got another accounting job 3 years after graduation, which i also got canned from. Then again tried to go back in to accounting cannot get a job. I am now almost 30 working a crap job and i really don’t know what to do. I want to go into IT possibly cyber security; I am thinking fuck it maybe nursing; or maybe a diploma program as an electrical engineer technologist . Part of the reason I can’t get a job in accounting because I have a shit reputation with my peers and the city I live in. Long story short I was a bit of a hot head in college and did not take shit from anyone. Great at making enemies not so could at making friends. I figure if I do IT I will stick with accounting as well if I can get my CPA that would make me valuable. But with this linkedin environment I am afraid my reputation will deny my opportunity in the IT field. I just don’t want to be in this position. i want more but I don’t want to make any mistakes. I really don’t know what to do or what strategy would be best. At the end of the day I want to provide for the people I care about. I have crap reputation and I think starting over is the best route, I can do IT + accounting; healthcare; electrical engineering. Any advice would be greatly appreciated.

Most of the information on this site is free for you to read, watch or listen to, but The Creative Penn is also a business and my livelihood. So please expect hyperlinks to be affiliate links in many cases, when I receive a small percentage of sales if you wish to purchase. I only recommend tools, books and services that I either use or people I know personally. Integrity and authenticity continue to be of the highest importance to me. Read the privacy policy here. I hope you find the site useful! Thanks - Joanna


I could have promoted WP Engine (hosting company) for $200/sale with no tier program to climb – sounds pretty good right? But when I checked ShareASale I saw their reversal rates were 24%! Just to give you an idea SiteGround’s reversals are less than 10%. WP Engine starts at $29/month while SiteGround’s is $3.95/month, plus SiteGround has a better reputation. I had to climb a tier program to get SiteGround’s $150/sale, but long-term my research paid off.
Thanks for sharing. Parents will definitely find your info helpful! We agree with you on public universities. My wife and I went to city universities and both of us majored in Computer Science in the early 80’s. My wife is the smarter one and she went to college for free. My parents paid 6K for my 4.5 years. It around $450 per semester back then. I think we got a great education. I can’t imagine parents paying over 50K plus per year these days.
For example, when mechanical engineers design parts of an airplane, the process can be tested and refined before production and sales. In the oilfield, companies are drilling up to 30,000 ft where the reservoir will never be seen by anyone. Yet, engineers must still construct models based on a few well points in the ground. Imagine filling in the entire map of San Francisco with just 4 known street intersections. This is why companies can spend $100 million on a single well and find nothing but rock and water.
So, that answers part if your question…yes, my attitude toward work, humans, merit, fairness, money, work ethic and many other things changed in the years of my first early retirement…not really enough room in this format to dive into that, but maybe we can chat about it sometime. That said, the wife and I reclaimed millionaire mountain by 2013 and are looking to check out of the corporate grind again within the next 5 yrs or sooner depending on how the global economic drama plays out. Oh, and yup – I also sell most company stock grants soon after they vest.
Saw this article in my RSS feed, and I realized how I totally forgot to read it when it was published. Only one VERY IMPORTANT thing to add- if you are using an affiliate network, don’t hesitate to ask for a raise if the sales are decent in numbers. We did this a couple of times, and every time we managed to negotiate a raise. Imagine this- traffic stays the same, conversion rate stays the same, only commissions get higher. Nice, huh?

You don’t exactly have stellar punctuation, yourself. You come across as mean, reactionary and elitist. Telling people they don’t write well enough to read an article? For real? I didn’t realize the written word was supposed to be safe-guarded from people whose written skills are deemed unworthy. With that logic, no preschooler should ever read anything, ever. Had you considered that maybe he was replying using a mobile device? Not every device comes ready to add contractions to words, and for the sake of quickly getting your point across, you just roll with it. You didn’t even comment on the content of his remarks. Learn to read for meaning and you will be more successful at criticizing others. If you criticize only the superficial, you will be seen as superficial and lose every time. BTW (see what I did there?), it’s widely accepted that people who pick at grammar only do so when they have nothing substantive to contribute. Questioning his intelligence because of his punctuation only calls into question your own. Best of luck to you.
If you're new to the blogosphere then this book is brilliant, but if you're already somewhat experienced then you need to start looking elsewhere. It's really just all the blogging basics in one tome, but as far as building strategies it lacks a little bit. I do recommend it to anyone who wants to start they're own blog or has done it already and has yet to learn a little.
Google Autocomplete – go to google.com, start typing a phrase and look at the dropdown autocomplete results. You can use the underscore character “_” to have Google fill-in-the-blank. Just make sure the last character you type is an underscore. Try using plurals and change the word ordering to see different results. This is how I find 90% of my keywords.
I really liked this article. I found it full of good information. I would like some advice from FS as I definitely fit into one of these categories. I have a B.S. from a good university and I have a good job in the medical field making $45k right now with the posibility of 1-5% raises every year. I know I am capable of doing and earning more. I made A’s, B’s, and C’s as a college student without really trying. I’ve considered getting a masters in buisness, but I don’t have a clear vision of what I would do with that. I can’t afford to waste time or money on a second degree if it isn’t going to earn me substantially more money. I have a wife and daughter and work full time. I am constantly looking for ways to make more money. Do you have any advice for me? Thank you.
You’re absolutely right about that time. Never give up. Content marketing is a hard job but you got to look at it like this. The internet and side hustles are here to stay. It goes Way Beyond making money online. We both know there’s no more traditional job security in America today. These narcissist employers are nothing nice. They will hire you 1 minute. Harass you on the job. Steal your commissions and laugh at you behind your back while you continually work hard and put more money in their pocket, then try to enslave you into making more money for them and continually disrespect you to your face. This is the Ironclad indicated it’s time to walk away and start your own business online by working part time on your side hustle weather to Philly at marketing, blogging, or selling your own product service online. There’s billions of dollars to be made in the affiliate marketing industry. With that said, it’s a good thing to know the side hustle is here to stay to those who dedicate themselves to creating quality content on blogs and websites and taking a side hustle to the public nightstep. Agree? :-)
If you are a teacher and salary is your number one priority you better make sure your bargaining team knows, or better yet get involved in bargaining yourself, because the people with other priorities like pensions, healthcare, and paid leave certainly speak up in my local! Though thanks to the incredible work in states like WV, OK, and AZ I think teacher pay is finally being addressed.
1. I can go up north (make 120 guaranteed with a pension through the union) but the hours and the lifestyle (2 weeks in 1 week out) might be too brutal for me (fort Mac if you have heard of it really is not for everyone), i thought i would give it a try after school and see if it works for me but ive heard of many people having problems with their relationships/health with working so much. and i have to come back to town eventually and yes maybe ill have a nicer number in the bank but thats about it right back too 85,000 and still working hard.
Overall, the term affluent may be applied to a variety of individuals, households, or other entities, depending on context. Data from the U.S. Census Bureau serves as the main guideline for defining affluence. U.S. government data not only reveal the nation's income distribution but also the demographic characteristics of those to whom the term "affluent", may be applied.[11]
After you link all your accounts, use their Retirement Planning calculator that pulls your real data to give you as pure an estimation of your financial future as possible using Monte Carlo simulation algorithms. Definitely run your numbers to see how you’re doing. I’ve been using Personal Capital since 2012 and have seen my net worth skyrocket during this time thanks to better money management.
I would look into Wealthfront and automatically contribute a set amount every month from your paycheck after tax. The first 15K under management is free and it’s just 0.25% after that. Sign up and play around with the risk tolerance meter to see what different type of portfolios they come up with. They do tax loss harvesting and automatically rebalance for you based on your risk tolerance. You don’t have to fund the account to see the different portfolios.

Radiation therapists must have a two-year associate’s degree, or a certificate in radiation therapy, but they don’t need a four-year college degree. These therapists use radiation to target cancer cells in patients, and are paid in accordance with the importance and detail-oriented nature of their work. Radiation therapists can earn as much as $116,000 a year.
First I want to just say well done with what you have accomplished. You have done an amazing job. I’m not really one to post a comment on blogs as I’m sure everyone says. But the thing that struck me the most about you is I can tell your a great individual. You love cats, as my wife and I do. We also have rescue cats. You are a very generous and honest person and that is most likely why you also have done well. Very authentic and honest. I’m in the process of building an affiliate amazon site. So I can relate to the content side of things. I’m already a customer of siteground but If I wasn’t I’d happily sign up through you. I have bookmarked your site as I’d like to come back and read a little more and keep an eye on your progress. Thanks for taking the time to write this post. It’s one of the best blog posts I’ve read. Take care Tom
As for my young self’s income, I’ve told a few pieces of my story in comments for other FS posts, but here is some history that aligns with the content of this post and answers a couple of Sam’s questions: I can’t remember if I made over $100k by 25 or by 26, but was a millionaire by 27 due to a mostly lucky break with tech company stock options in the Roaring 90s. The path: I graduated high school as co-valedictorian, but will call myself #2 because the other guy took harder classes so deserves the #1 spot. I started college in mechanical engineering, hated it (and esp. one evil professor), switched to international studies, liked it. I got decent grades, partied a lot to make up for a choir boy high school experience, and worked all the way through college…full time my senior year…but just sweat jobs, no internships. Paid for college myself. After college, I traveled and partied a bit more, dabbled in a few different jobs and ended up convincing a small software company to pay for a basic software testing programming course in exchange for about 6 months of service (got that through casual networking inspired by a dose of nepotism). I wrote a test script they were able to sell, so negotiated an early break and landed a test engineer contracting job at a large software company via the worst interview in the history of interviews (the recruiter had to come get me in the parking lot as I was getting in my car to leave…the hiring manager’s closing question was an incredulous “…ummm…so, why should I hire you?” which I answered by jumping to my feet with both arms in the air to yell, “Cuz I’m the best!” He laughed and told me to get lost.). After a year at that job, I did a couple other tech contracting gigs, then converted to a full time gig with a pay cut for a junior mgmt job in exchange for lots of stock…which split 4 times in 12 months, thus the millionaire thing at 27. I lost 75% of that money via bad (a.k.a. zero) investment mgmt by 29, but had a fantastic time bouncing around the world adventuring and doing a little non-technology work (including teaching English in a Mexican university and training teachers in Los Angeles, both of which I liked). I eventually got married and went back to madam technology, but as I hinted above, this old whore (hey, “44” rhymes with “whore”..whaddyaknow..I’ll remember that for my birthday next week ;-)) has about run out of energy or interest for working the corporate red light district. I’ve created some other income streams, but want more of that before I leave tech and spend more time the way I now want to. This site is good inspiration for that.
Thirsty Affiliates tracks, cloaks, and categorizes your affiliate links. Once you’ve signed up for your program(s) grab your affiliate links and add them to this plugin. This can take time if you will be linking to multiple pages on your affiliate’s website (which in many cases, you should). The pro version comes with statistics but I don’t even use it and I’m quite the analytical person.
Hey Jennifer, I don’t really know much about MOBE as I haven’t had personal experience myself but in terms of paying for a programs, i’ve had experience with the Six Figure Mentors. They teach people marketing and entrperneurial mindset stuff that I found invaluable. They have a paid tiered membership system that can be promoted on an affiliate basis. What sort of affiliate business are you looking to set up?

LOTS of people feel the way you described in terms of being trapped and not being able to move up. I’d argue through, that in a lot of the cases engineers are kind of awkward, while also being kind of arrogant and entitled. I’ve experienced person after person express dislike for their job or inability to get promoted, but they don’t get company paid for masters degrees, they don’t get PMP certifications, they don’t even do the work of applying for other jobs, they just whine about it…
Otherwise, explore all of the ways that you can take classes or gain skills online, some for very little or no cost to you other than your time. If you find yourself doing this at the start of your career, the financial cost might be a bit much to bear at first. But no matter how much I learn about investments, it seems pretty clear to me that the one that consistently pays off in any market condition is the one we make in ourselves.

The top programs for petroleum engineering are offered by public universities, notably The University of Texas at Austin, Texas A&M, Louisiana State University, and Colorado School of Mines.  Much of the value of a PE degree comes from being able to obtain the best education on the market from public schools like these rather than obscenely priced private schools.
Before jumping into starting an affiliate marketing business, learn all that's involved in making it a success. More importantly, if you decide to pursue an affiliate marketing business, or want to add affiliate marketing to an existing business, understand that it's not fast, automatic, nor without effort. Like all home businesses, ​you need a plan and daily involvement to make money with an online affiliate marketing.
Don’t set a goal to write 3 blog posts a day… set a goal to write 1 blog post a week and make that post super helpful, long, and filled with information that is so valuable you will say “yeah, people will link to that.” 90% of my traffic/affiliate income comes from just 20 tutorials, many of which are 5+ years old. But I am constantly updating them to make the content better.
I loved the landing page idea. This would be very effective in one case ONLY. If you are promoting a product or a an eBook this would work very fine OR increasing an Email list by offering something for FREE. You know in this life “Nothing is for FREE”. So you are giving your visitor for an example “A guide to how to install a blog template in wordpress or blogger” or “how to monetize your blog?” a FREE guide will drive this visitor to type his email and hit the subscribe button right away. But if the visitor a PayPal Button he just click the MAGIC X button on the top of his browser. Landing pages are very effective when you know how to use them.
Let’s say, you are a developer who has just completed a client’s website. You think that it is one of your greatest works and the client is truly impressed. This will be a great time for you to offer them a website maintenance service from a third-party. You partner with this company through their recurring affiliate program. As long as your happy client stays with them, you get a steady stream of passive income.
Nearly $5,000 in affiliate sales is awesome, and I see this as a turning point for bringing in a respectable income from the site. (I’ve written more in this post about how we’re monetizing The Write Life.) But before we dive into how we accomplished this, I want to put that income in perspective for you. It’s still a drop in the bucket for our company, for three reasons:

Most of them are common sense but you do need to be aware of things like disclosing that you are an affiliate for that product, and that it needs to be clear and early on in the post. You have to be very transparent about it. I mention it in a big clear “NOTE” at the top of any post that contains affiliate links, as well as again down the bottom in a disclaimer.


As of 2002, there were approximately 146,000 (0.1%) households with incomes exceeding $1,500,000, while the top 0.01% or 11,000 households had incomes exceeding $5,500,000. The 400 highest tax payers in the nation had gross annual household incomes exceeding $87,000,000. Household incomes for this group have risen more dramatically than for any other. As a result, the gap between those who make less than one and half million dollars annually (99.9% of households) and those who make more (0.1%) has been steadily increasing, prompting The New York Times to proclaim that the "Richest Are Leaving Even the Rich Far Behind."[43]
Several years ago when I started out try to make money online I chose a weight-loss product, built a pretty crappy site with WordPress, fashioned a ‘giveaway’ and an email series and linked it up to Aweber. I wrote several articles and submitted them to various directories then one day I was signing in to my AOL account when I saw an article on the Huffington Post about dieting. I wrote a comment along with a link to my website and pretty much forgot about it. The following day I was absolutely astounded to see that I had got 300 people signing up on my list. Over the week about 15% unsubscribed-probably as my email series was bobbins but by the last email contained a link to the product of which 17 people bought. As the commission was £42 (about $63 in those days) I made £714/$1071 with a crappy site, a crappy email series and a crappy comment. I (stupidly) have never done anything with it since-can you believe that? Anyway that site is still there and continues to make the occasional sale.
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