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1985 Washington Cold-Case Homicide of Elderly Couple Solved

July 10, 2012 — — Washington state officials have apparently solved the 1985 cold-case homicide of an elderly couple with an arrest that fulfills a grieving son’s promise to his parents.

Wilhelmina “Minnie” Maurin and Edward “Ed” Maurin’s dead bodies were found Christmas Eve 1985. They had been shot to death and dragged into a wooded area.

“At their funeral, I laid my hand on their casket and I said, ‘I will find out who did this,'” the couple’s son, Dennis Hadaller, said at a news conference Monday.

A team of investigators from the Lewis County Sheriff’s Office in Chehalis, Wash., was dispatched to Alaska July 8 to make an arrest in connection to the slayings.

Rick Riffe, 53, of King Salmon, Ala., was arrested and will be processed for extradition back to Washington to stand trial for what Lewis County Sheriff Steve Mansfield called “horrific crimes.”

Minnie and Ed Maurin were 83 and 81 years old, respectively, when they were reported missing by family members Dec. 19, 1985. The family became worried when the couple were not home, as planned, for a family Christmas party, according to police.

The next day, witnesses reported to police they spotted the Maurins’ car and authorities found “a large amount of blood stains and the keys were in the ignition,” police said.

When the investigation into their murders opened, several witnesses reported seeing the car at the Sterling Savings and Loan bank.

“We have developed evidence that Rick and his now deceased brother, John Riffe, kidnapped the Maurins from their residence and drove them to the bank, forcing Ed to withdraw $8,500 in cash,” Mansfield wrote in a news release.

Five days after their disappearance, the couple’s bodies were found in a wooded area at the end of a road in Chehalis. The investigation revealed that they had been shot inside their car with a shotgun and then dragged to a wooded location where they were found by a passerby, according to police.

Mansfield said the Riffe brothers were their primary suspects from the beginning of their investigation, but they did not have evidence of probable cause “until much later on.”

“Detectives feel many witnesses did not come forward during the time of the initial investigation due to being fearful of the Riffe brothers and possible retaliation for speaking out,” Mansfield wrote in the news release.

Both Riffe brothers moved to Alaska in 1987 and John Riffe died “ironically” the week before investigators bought tickets to travel to Alaska for the arrests, police said.

“I believe in karma, these are bad, evil people,” Mansfield said at Monday’s news conference.

The prosecutor in the case told ABC News’ Seattle affiliate KOMO that he did not plan to pursue the death penalty for Riffe because of his failing health.

“The Maurin/Hadaller families suffered a horrific and tragic loss of their family members and now will be able to see justice served,” Mansfield wrote.

For the Maurins’ family, the arrest provided long-sought closure.

“People should never give up hope,” son Hadaller said. “There is always hope out there.”


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7 Best Jewelry Affiliate Programs

Updated on May 18, 2020

Jewelry makes people happy. It can bring dazzle to the ordinary, make a statement, or just show the world you have good taste. Jewelry can be as unique as the maker or as comfortable as the wearer. It can be a great investment or a popular gift. Jewelry is also big business. You can take advantage of the allure of trinkets and gems by becoming part of a jewelry affiliate program. Here are 7 jewelry affiliate programs you don’t want to miss.


7 Charming Sisters offers one-of-a-kind boutique jewelry in seven unique collections. They tailor their products to personal styles and tastes. From sexy nerd to super mom to fashionista, a variety of trends are covered in their collections. The company ships all over the United States, as well as other destinations, and shipping is free on orders over $25. The affiliate program sends out newsletters to keep you updated on promotions and new products.

  • Commission is a straight 14% on all sales
  • 30-day cookie
  • Accessible affiliate manager
  • Variety of promotional banners and links


Gemvara is a great online jewelry destination because it offers both variety and quality jewelry. Their affiliate website encourages you to succeed and offers interesting articles and a forum. Everything they sell is made in the U.S.A. Through ShareASale and Google Network, affiliates can enjoy the benefits of representing a friendly company that welcomes contact from their affiliates. Gemvara is a smart choice with over 30,000 featured items at any given time.

  • Commission is a straight 8% on all sales
  • Most sales average over $500.


ItsHot specializes in manufacturing and wholesale of high-end diamond jewelry and watches. They offer a great selection and reasonable prices and are known for excellent customer service and satisfaction. ItsHot carries unique diamond pieces like Hip Hop jewelry and body jewelry. Their affiliate program makes available a variety of graphics and links for your website. Commissions are paid monthly.

  • Commission is 6% on all jewelry sales under $10,000
  • Commission is 8% on all jewelry sales over $10,000
  • Commission on loose diamonds is 4%
  • Most sales average over $650


Gemologica offers a wide line of fine jewelry. In business since 2002, they pride themselves on having a one-on-one relationship with their customers which often leads to repeat business. They feature a variety of jewelry options for both men and woman. Best of all is their line of children’s jewelry designed to be safe and easy to use. Gemologica’s affiliate program is free to join and easy to use. They ship worldwide and include an extensive selection of payment options. The affiliate program is offered through the ShareaSale network.

  • Commission is 7% on all jewelry sales
  • Commissions increase with performance


Angara is a well-respected company that has received numerous accolades from the press. They are all about gemstones and have primarily catered to large retailers around the world. In 2005 they decided to offer their jewelry and gemstones to the public. Partnering with LinkShare, Angara’s affiliate program offers generous commissions and ample tools to help you succeed. Several colorful banners and logos are available for your website. They have a high conversion rate and can turn you into a money-making affiliate.

  • Commission is 10% on all sales of silver and gemstone jewelry and loose colored gemstones
  • Commission is 5% on loose diamonds and diamond jewelry
  • Most sales average between $600 – $1000


If you thought jewelry couldn’t be political, think again. From War to Peace turned their convictions into a successful online jewelry enterprise. They recycle copper from disarmed nuclear missile systems and create what they call “Peace Bronze”. With it, they fashion beautiful jewelry at affordable prices. Besides their signature peace symbol pendant, From War to Peace sells a variety of unique designs in bracelets, earrings and more. They are proudly environmentally friendly. Their affiliate program is generous and they donate some of their profits to peace organizations.

  • Commission on all sales is 20%


The Sparkly Stuff is all about beads. They offer one-of-a-kind and limited edition handcrafted beaded jewelry. Every piece is unique because they use all natural crystals and stones. They take pride in creating specialty pieces using glass, metals, and ceramics. The Sparkly Stuff emphasizes friendly customer service and an eye for detail. They welcome new affiliates and use affiliate software to optimize sales. The commission type is Pay Per Sale and they pay monthly.

  • Commission on all sales is 15% on the first tier
  • Commission is 5% on second tier sales

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.


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Is The Power Of Quartz A Scam?

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Is the power of quartz crystals a scam?

No way! How will I prove that to you?

By throwing some science at it, of course!

Quartz is amazing in so many ways.

power of quartz energy

It makes up some of our very favorite crystals to work with:

  • clear quartz
  • amethyst
  • citrine
  • smokey quartz
  • rose quartz
  • aventurine
  • jaspers
  • ….I could go on and on

What’s so special about quartz energy?

OK, really quick we’re going to dip into some physics here. But I’ll make it painless… I swear.


Oh, c’mon… it’s not that bad.

So a wee bit ago (in the year 1880) in a Paris lab, physicist brothers Jacques and Pierre Curie (husband to Marie) made a new discovery regarding quartz crystals.

Together they found that by wiring a quartz crystal to a recording meter & striking it, they could produce an electric signal. Whoa!
Then they found that squeezing it resulted in the same. Wait! A rock crystal was making electricity here?

Well, not really making it. Crystals cannot create or generate energy, despite that popular name given to quartz crystals of a certain rare shape & size: “Generators”. But,  some crystals can serve as transducers.

So what the flip is a transducer???

A transducer is capable of transforming one form of energy into another… rather than generating it

In this case, we’re talking about transducing mechanical energy into electrical energy. Or vice versa: an electric current into a mechanical force. A wee bit ‘o physics. Ya with me so far?

So, what I’ve just described and what the Pierre bro’s discovered is known as piezoelectricity. And it’s 1 super-geeky reason why quartz is so scientifically magical!

power of quartz
It means that quartz produces a voltage when some sort of mechanical energy is applied (like a strike or pressure). An electric charge actually builds up in the quartz as a reaction to the stress, causing the crystal to give off light and electricity. You can also reverse this concept — if electricity is put into the crystal you’ll get mechanical energy in the form of a very precise vibration.

Piezoelectricity power of quartz

Piezoelectricity Demo.
Graphic provided by Tizeff (Template:Ownnn) [GFDL ( or CC BY-SA 3.0 (], via Wikimedia Commons

What we have here is energy transformation.

Quartz crystals are extremely efficient energy transformers; in physics as well as in metaphysical uses. 

In fact, some scientists think that “ball lightning” may be the result of electrified gas in our atmosphere from quartz-bearing rocks being subjected to tectonic stress and pressure from Mama Earth moving her crustal plates around, like granite. How cool is that?

Great Balls of Lightning!

power of quartz

Ball Lightning. By Joe Thomissen (Own work) [CC BY-SA 3.0 (], via Wikimedia Commons

How does the power of quartz do this?

Let me show you.

Quartz is able to conduct an electrical charge because of its precise crystalline nature. Because of this, it vibrates at a very specific frequency making it ideal for use in watches & other technologies.

piezo power of quartz

The next question I often get from my students is:

“What exact frequency is a quartz crystal? I heard it was ‘High Frequency’.”

And my answer is…

From a scientific point of view, that’s the wrong way to look at it. See, a particular quartz crystal’s resonant frequency depends on many variables such as:

  • its particular size
  • shape
  • flexibility
  • unique crystalline structure
  • the speed of sound of the material
  • or even the environment that’s it’s in at the time

Yeah, I know! Not so simple.

So this piezoelectric thing was a HUGE discovery for the Pierre Bro’s & gave quartz crystal a whole new importance…while validating what the metaphysical community had inherently known since ancient times, but didn’t have the relatively new science to back it up! BTW, that’s the whole premise of my crystal courses…science backing up & giving confidence to our crystal healing & therapy practices.


Today, piezoelectricity is commonly used in our modern technology in so many ways. (Since I fear boring too many of you with this physics-stuffs, I’ll just link to examples if you care to dig deeper into that.)

Quartz is unique; it’s flexible yet resistant to temperature-induced expansion & contraction, unlike other materials.

So what?

Well, this makes quartz perfect for use in the accurate mechanics used in things like a watch!

Busting the Fantasy Bubble: Now, I know we’d all like to imagine a mini crystal like this one below lives inside our quartz watch…

power of quartz point

But instead, they actually are high quality, high-purity quartz crystals laser-trimmed in a lab into the shape of a tuning fork and vibrate at a very specific frequency. Because of its piezoelectric property, this teeny quartz tuning fork is manipulated by applying a voltage with this specific vibrational frequency (usually 32,768 Hz) until it entrains and sets…

and they look like this…

power of quartz

This is a quartz crystal resonator, (basically a cute mini tuning fork!) used as the timekeeping component in quartz watches and clocks, with the case removed.

But, quartz isn’t the only crystal that’s got this cool property!

Crystals that are Piezoelectric

  • All quartz
  • Berlinite (a rare phosphate mineral)
  • All Topaz
  • All Tourmaline
  • Macedonite (lead titanite)

BTW, I consider quartz, topaz & tourmalines to be some of the most powerful & potent crystals to work with. Now you know why.

So how does all this science help us with Crystal Healing?

Piezoelectric crystals are highly beneficial to our energy fields.

I always teach that we really need to pay attention to our energetic hygiene b/c anything neglected there will eventually become denser; condensing and manifesting in our physical bodies.

In my Hibiscus Moon Method, I teach a very specific technique in detail that allows our Hibiscus Moon Certified Crystal Healers to tap into all the power inherent in this pyroelectric property…and I teach you more on the physics behind why it works.

Just to quickly explain, the piezoelectric property of quartz allows us to tap into the body’s polarity. We also couple it with other properties & involve the transducing aspect to play a big role in crystal therapy. Pretty cool, huh?

By the way, quartz also has some other cool physics properties like pyroelectricity and triboluminesence.

So please let me know if this blog helped you to learn a bit more about the science behind crystal healing in the comments below… or if it sent you running for the hills, let me know that too!

Crystal Blessings,

new signature graphic


P.S. If this sort of thing appeals to you & you’d like to go way deeper in your crystal practice, I teach all about this & so much more in my Certified Crystal Healer Course. We’ll be enrolling again for our fall term very soon. You can get on the Wait List here.


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What You Should Know About Psychology

hands untangling threads in man's head

Gary Waters / Getty Images

Psychology is the study of mind and behavior. It encompasses the biological influences, social pressures, and environmental factors that affect how people think, act, and feel.

Gaining a richer and deeper understanding of psychology can help people achieve insights into their own actions as well as a better understanding of other people.

Psychology is a broad and diverse field that encompasses the study of human thought, behavior, development, personality, emotion, motivation, and more. As a result, some different subfields and specialty areas have emerged. The following are some of the major areas of research and application within psychology:

  • Abnormal psychology is the study of abnormal behavior and psychopathology. This specialty area is focused on research and treatment of a variety of mental disorders and is linked to psychotherapy and clinical psychology.
  • Biological psychology (biopsychology) studies how biological processes influence the mind and behavior. This area is closely linked to neuroscience and utilizes tools such as MRI and PET scans to look at brain injury or brain abnormalities.
  • Clinical psychology is focused on the assessment, diagnosis, and treatment of mental disorders.
  • Cognitive psychology is the study of human thought processes including attention, memory, perception, decision-making, problem-solving, and language acquisition.
  • Comparative psychology is the branch of psychology concerned with the study of animal behavior.
  • Developmental psychology is an area that looks at human growth and development over the lifespan including cognitive abilities, morality, social functioning, identity, and other life areas.
  • Forensic psychology is an applied field focused on using psychological research and principles in the legal and criminal justice system.
  • Industrial-organizational psychology is a field that uses psychological research to enhance work performance and select employees.
  • Personality psychology focuses on understanding how personality develops as well as the patterns of thoughts, behaviors, and characteristics that make each individual unique.
  • Social psychology focuses on group behavior, social influences on individual behavior, attitudes, prejudice, conformity, aggression, and related topics.

What Are the Branches of Psychology?

The most obvious application for psychology is in the field of mental health where psychologists use principles, research, and clinical findings to help clients manage and overcome symptoms of mental distress and psychological illness. Some of the additional applications for psychology include:

  • Developing educational programs
  • Ergonomics
  • Informing public policy
  • Mental health treatment
  • Performance enhancement
  • Personal health and well-being
  • Psychological research
  • Self-help
  • Social program design
  • Understanding child development

It is difficult to capture everything that psychology encompasses in just a brief definition, but topics such as development, personality, thoughts, feelings, emotions, motivations, and social behaviors represent just a portion of what psychology seeks to understand, predict, and explain.

The Major Goals of Psychology

Psychology is both an applied and academic field that benefits both individuals and society as a whole. A large part of psychology is devoted to the diagnosis and treatment of mental health issues, but that’s just the tip of the iceberg when it comes to the impact of psychology.

Some of the ways that psychology contributes to individuals and society include:

  • Improving our understanding of why people behave as they do as well
  • Understanding the different factors that can impact the human mind and behavior
  • Understanding issues that impact health, daily life, and well-being
  • Improving ergonomics to improve product design
  • Creating safer and more efficient workspaces
  • Helping motivate people to achieve their goals
  • Improving productivity

Psychologists accomplish these things by using objective scientific methods to understand, explain, and predict human behavior. Psychological studies are highly structured, beginning with a hypothesis that is then empirically tested.

There’s a lot of confusion out there about psychology. Unfortunately, such misconceptions about psychology abound in part thanks to stereotyped portrayals of psychologists in popular media as well as the diverse career paths of those holding psychology degrees.

Sure, there are psychologists who help solve crimes, and there are plenty of professionals who help people deal with mental health issues. However, there are also psychologists who:

  • Contribute to creating healthier workplaces
  • Design and implement public health programs
  • Research airplane safety
  • Help design technology and computer programs
  • Study military life and the psychological impact of combat

No matter where psychologists work, their primary goals are to help describe, explain, predict, and influence human behavior.

Early psychology evolved out of both philosophy and biology. Discussions of these two subjects date as far back as the early Greek thinkers, including Aristotle and Socrates.

The word “psychology” itself is derived from the Greek word psyche, literally meaning “life” or “breath.” Derived meanings of the word include “soul” or “self.”

The emergence of psychology as a separate and independent field of study truly came about when Wilhelm Wundt established the first experimental psychology lab in Leipzig, Germany in 1879.

Throughout psychology’s history, various schools of thought have formed to explain the human mind and behavior. In some cases, certain schools of thought rose to dominate the field of psychology for a period of time.

The following are some of the major schools of thought in psychology.

  • Structuralism: Wundt and Titchener’s structuralism was the earliest school of thought, but others soon began to emerge.
  • Functionalism: The early psychologist and philosopher William James became associated with a school of thought known as functionalism, which focused its attention on the purpose of human consciousness and behavior.
  • Psychoanalysis: Soon, these initial schools of thought gave way to several dominant and influential approaches to psychology. Sigmund Freud’s psychoanalysis centered on how the unconscious mind impacted human behavior.
  • Behaviorism: The behavioral school of thought turned away from looking at internal influences on behavior and sought to make psychology the study of observable behaviors.
  • Humanistic psychology: Later, the humanistic approach centered on the importance of personal growth and self-actualization.
  • Cognitive psychology: By the 1960s and 1970s, the cognitive revolution spurred the investigation of internal mental processes such as thinking, decision-making, language development, and memory.

While these schools of thought are sometimes perceived as competing forces, each perspective has contributed to our understanding of psychology.

The Origins of Psychology: History Through the Years

As you can see, while psychology may be a relatively young science it also has a tremendous amount of both depth and breadth. The assessment, diagnosis, and treatment of mental illness are central interests of psychology, but psychology encompasses much more than mental health.

Today, psychologists seek to understand many different aspects of the human mind and behavior, adding new knowledge to our understanding of how people think as well as developing practical applications that have an important impact on everyday human lives.

Psychology works to help people improve their individual well-being and thrive in an increasingly complex world.

The 7 Major Perspectives in Psychology


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32 Proven Ways to Make Money Fast

Opinions expressed by Entrepreneur contributors are their own.

In a bind? Need some fast cash? We’re talking here about small bursts of capital, not millions of dollars — enough to satisfy your monthly obligations or get that nagging creditor to stop calling you.

None of the 32 strategies listed here to get some money quickly will break the proverbial bank. Some are easier than others, but nearly all require very little to no capital. They are meant to get you through the difficult times.

Related: 2 Ways to Make Money Online This Month

Some of these strategies to make extra money will require you to be in certain locales, while others are location-independent, but it all boils down to being resourceful. We’ve all found ourselves in a tight spot at one point in our lives or another, but to the person who’s committed, anything is possible. 

Much of this has to do with mindset. When you lack money, scarcity thinking sets in. The scarcity mindset is negative and thinks that there’s never enough of whatever it is to go around. When you find yourself thinking like that, do everything in your power to move into an abundant mindset. 

Our thoughts are incredibly powerful. We have upwards of 60,000 thoughts per day, many deep within our subconscious mind, much of which are repeated. We have to be stewards of our thoughts. Once you find yourself thinking negatively, you need to jar yourself out of that.

When you’re looking to make money fast, you’re often in a tough spot financially, even desperate to make ends meet, but everything that we have and everything that we become is partly born from our thoughts. Think and you shall become. Curate and cultivate the right thoughts if you want to live an abundant life.

The psychology of making money. 

Regardless if you need to earn some fast cash or we’re just talking about making money in the grand scheme of things, there’s an important psychology that needs to be mentioned before getting into the strategies. If you study Freud’s model of the mind, you’ll discover the Psychic Apparatus. It’s the three-part construct in your mind that controls all of your behavior.

Those three are the id, the super-ego and the ego. The id lives deep within the subconscious from birth. It’s the source of our sudden and most instinctive urges. When you find yourself doing what you know you shouldn’t, blame your id. 

The super-ego is formed later in life to balance the id. It forms and breaks off from the id through our upbringing, parental guidance and our sense of community and beliefs. People who are careful with their money can thank their super-ego.

The ego is the driver making the decisions. It decides between the devil (the id) and the angel (the super-ego) on either shoulder (yes, all those cartoons you’ve ever seen are partly true). We have voices in our mind, and it’s up to the ego to decide which one to fulfill. Its goal is to satisfy the id in some way while also attending to the super-ego.

Get-rich-quick schemes and fad weight-loss diets are naturally popular because they satisfy the id while also attending to the super-ego. The ego’s job is complete when it sees something like this. The appeal of “fast” stems from the innate desire for instant gratification, so beware of what seems too good to be true (they often are) when you’re looking to make money quickly. Be wary. Listen to the conversation deep within the confines of your mind and do your best to tame the proverbial beasts.

What are the best ways to make money right away? While a search online when you’re in need of some fast cash will produce millions of results, not all will be legitimate. It’s up to you to filter through the so-called noise. These 32 strategies will help put you in the black, even if it’s in a very small way. Once you are, resume planning and focusing on the bigger picture. 

Related: How to Make a Fortune With $100

1. Money-making strategy: Drive for Uber or Lyft

Companies like Uber and Lyft offer a great opportunity to make some quick cash. You’ll need a clean driving record, a fairly new car and the authorization to work wherever it is that you live. If you have all of those things, you can work when it’s feasible for you, whether that’s in the middle of the day during rush hour, or in the wee hours of the night on a weekend. The choice is yours.

2. Money-making strategy: Become a market research participant

In college I participated in loads of market research. It’s fairly quick money for not a lot of work. Companies looking for consumers’ opinions on a variety of products and services put you in a room to garner your opinion. That’s it.

This often involves writing or stating your opinion, answering polls or surveys, or breaking off in a discussion group. The mechanics don’t matter much. The point is that you can rely on it from time to time. is just one company that is looking for participants.

Related: 6 Things You Must Quit Doing Now If You Want to Be More Successful

3. Money-making strategy: Sell old books and games on Amazon

Amazon makes it fairly easy to list and sell old books, games and devices on its marketplace. You can make more than just a few bucks If you have pricey textbooks from college. Be sure the books are in good condition. You’ll get negative reviews if you attempt to sell books that are falling apart or games that are scratched up. Remember, be upfront about any defects, no matter how small they might be and no matter how few people might readily notice it. 

4. Money-making strategy: Sell, or resell, used tech on Craigslist

The market for used electronics is vast. You can use Craigslist to part ways with your old iPhone or your MacBook. You can grab a premium for these types of electronics. Some people even flip items by buying them and reselling them.

You could also use a website like Gazelle to sell your used phones, no matter what kind you have. Companies like that have made an entire business model out of buying used phones and refurbishing them. Either way, you can expect to get a fair bit of money relatively quickly if you have these items laying around your house.

Related: 4 Things I Wish I Knew Before Starting a Small Business

5. Money-making strategy: Do tasks with TaskRabbit

TaskRabbit lets you tap into an existing marketplace of people looking for help locally with chores. The tasks aren’t always small. This platform (along with others) offers bigger tasks, such as home renovations, as well.

Amazon is getting into the task business with Amazon Home Services. The services listed range from very small repairs to larger and more involved tasks that would take considerably more effort.

6. Money-making strategy: Deliver for PostMates

You can earn some cash when you’re in dire straits by using PostMates, and you don’t even need a car, just a bike for deliveries in busier cities and downtown centers. I’ve used it often to get food from specialty places that don’t deliver themselves, but it can be used for many things. 

PostMates states on their website that you could earn up to $25/hour doing deliveries. You could also earn some tips in the process so it’s a great option for people that are looking to do something in their spare time, similar to the big ride-sharing apps that are hogging up app stores everywhere.

Related: 5 Ways to Make Enough Side Money to Eventually Quit Your Job

7. Money-making strategy: Flip real estate contracts

Ir you’re thinking this is cost prohibitive, it’s not. You can flip real estate contracts without ever taking possession of the property. This isn’t a fixer-upper endeavor, just securing a contract and selling it to an interested party. That’s it.

You can do this with just a few hundred dollars in most cases to open up escrow. There are companies dedicated to teaching how to do this like REWW. It’s good for making a little bit of money, but is also potentially something more long term as well. 

Related: 8 Ways Real Estate Is Your Smartest Investment

8. Money-making strategy: Sell on CafePress or Etsy

If you can design digital items, you can sell them for a share of the profits on a site like CafePress. You can do this with nothing more than some design software. They can include custom logos, inspirational sayings and other topical or trending designs appealing to the masses.

You could hire a designer to assist you with this, but you still need to come up with the ideas. This works best if you understand design yourself but requires no overhead. Items are printed and delivered on-demand. You simply receive a share of the proceeds. Similarly, you could sell items on Etsy as well.

9. Money-making strategy: Answer questions on JustAnswer

People looking for expertise online. JustAnswer (and several sites like it) allow doctors, lawyers, engineers and others with enhanced knowledge to earn a small income merely answering questions from people who would otherwise have to pay a hefty sum for those answers.

This platform is a great resource for people. It’s also lucrative (for the time spent) if you’re looking to earn a bit of cash in a hurry. Don’t expect to get rich answering questions, but you can generate a few bucks here or there if you’re in a bind. 

10. Money-making strategy: Grab gigs on Fivver

No matter what type of service you offer, you can likely offer it Fivver. This is terrific for digital services such as graphic design, web design, short audio or video clip creation, editing services, writing and so on.

Fivver has expanded beyond just the $5-per-gig model. Fiverr Pro pools the best talent on its platform. Depending on your skills, you could do considerably well on here.

Related: 5 Ways Fiverr Jump-Started My Life as an Entrepreneur

11. Money-making strategy: Walk dogs

There are networks devoted connecting dog owners with dog walkers. Rover is one of the largest networks of dog walkers out there. Of course, you could also use social media or just knock on neighbors doors to advertise your services, but you can easily use one of these services.

Do a great job if you’re serious about building a track record of solid reviews. That will help you make money in the future when you’re in desperate need of it.

12. Money-making strategy: Babysitting with

You can easily do some babysitting when you need to make a few bucks quickly. Parents everywhere are always in need of babysitting and nanny services.

Websites like connect parents with babysitters. The company does all the background checking and other due diligence to put parents’ minds at ease. Of course, you can appeal directly to people in your personal network, but if you’re looking to generate recurring revenue sign up with a site marketing to parents looking for child care services.

13. Money-making strategy: Sell your photos

Have an eye for photography? Of course, you need to be good at this to earn any money but it you are, you can sell photos on ShutterStock or iStockPhoto (along with many others) to generate a passive income from something you might be very passionate about.

For a quicker way to earn by taking photos, solicit people looking for photographers to cover their wedding, engagement, child’s birthday or any other life event. You’ll need a good camera and some experience, but you can definitely earn some must-needed income this way no matter where you live.

14. Money-making strategy: Become a personal training

If you understand fitness, you could be a personal trainer. People pay good money for personal trainers, if only to have someone keep them on track towards their goals. You can add value while also helping yourself financially.

This could also break off into nutrition and assisting people with meal plans, and so on. You could solicit clients in your local gym, but depending on where you live, you might need some certification to do this (not to mention the gym’s approval). You could also use a site like FitnessTrainer to advertise your services.

Related: This Entrepreneur Lives in the Back Room at a Gym While Building His Business

15. Money-making strategy: Tutor students

Parents are always willing to invest in their children’s future. If you have a great deal of knowledge in subjects such as math, science or computers, you could tutor for cash.

Both and offer opportunities for tutoring local students. You could opt for either of these platforms or simply find your clients through your personal network or social media. 

16. Money-making strategy: Advertise for companies with a car wrap

Platforms like Carvertise connect brands and companies with drivers. The process is simple — agree to turn your car into a roaming billboard for a price. If you qualify, you can earn a set monthly fee for advertising with your car. You won’t have to pay anything to do this, but you’ll need a clean driving record and a fairly new car.

You’ll have to drive the car enough to be worth it for brands paying for your services. If you have all that, then you could make a bit of side-hustle income through this endeavor. 

Related: The 7 Toughest Startup Lessons You Don’t Want to Learn the Hard Way

17. Money-making strategy: Help with home gardening

Offering your services as a local gardener could make you enough money quick enough to satisfy some pressing needs. There are loads of options from mowing lawns and pulling weeds to planning gardens and decor. If you pitch to enough neighbors, you’ll find at least a few takers. It’ll definitely be worth your while.

18. Money-making strategy: Take on housecleaning jobs

There’s a variety of platforms online that you could tap into for doing this, or you could simply scour your neighborhood or post on social media. You could use Amazon’s Home Services for this as well, or you could create your own simple, one-page website to advertise.

Either way, this is a terrific way to make upwards of $20 per hour or more doing a job that’s often in high demand. You could easily make this a long-term gig if you perform well and don’t cut corners.

Related: From $100 Million to Broke to Betting It All on Cryptocurrencies

19. Money-making strategy: Become a home organizer

You could easily do home organizing for people, an industry that has gained a lot of popularity since the debut of Netflix’s hit series Tidying Up with Marie Kondo. If you’re a tidy and organized person yourself, and you’re good at organizing spaces, why not offer your services to people around you? You’d be surprised at how many people, even on your own social media feed, might take you up on doing something like this.

Again, a site like also helps to connect home organizers with people looking for this type of service. It all depends on whether you want to go through a professional company or pitch it yourself to people that are already in your personal or business network.

Related: 8 Ways Any Millennial Can Be a Millionaire in 5 Years

20. Money-making strategy: Wash carpets

Rent a carpet cleaning machine at your local home improvement store, or buy one if you think you can get enough work doing this. You’ll likely find lots of people need something like this, but haven’t actively looked for the service.

You can wash carpets in the owner’s homes, or have them steam-cleaned offsite, depending on the job and the trust you build with the owners.

21. Money-making strategy: Give blood

You can make around $20 to $50 per donation of blood, depending if your blood type is rare or common. You can also donate plasma. Different states have different minimum requirements that must be paid when people donate plasma.

Plasma donations help people who are fighting Leukemia and other immune disorders. This is a bit more complicated and involved than donating blood but you won’t get much more than donating blood.

22. Money-making strategy: Decorate homes for the holidays

Whether it’s New Year’s, Christmas lighting, Easter, Fourth of July or any other holiday, you can get paid to help decorate homes. This might involve putting up lights inside or outside, decorating trees, setting up games and decor. 

Use the internet and social media to find clients, or simply advertise to your local network. There are loads of options when it comes to doing specialty jobs like this. 

Related: 50 Ideas for a Lucrative Side Hustle

23. Money-making strategy: Participate in medical studies

If you don’t mind throwing caution to the wind, consider becoming a participant in medical studies or drug trials. Companies pay a significant amount of money to participants. 

You’ll need to find the companies conducting medial studies and expect side effects. If you can live with that, then you can definitely make some money fast without too much effort.

24. Money-making strategy: Rent a spare room on AirBnB

AirBnB can be a terrific platform for renting out a spare room. You can make some good money, especially if you live in a tourist destination. If you don’t mind the neighbors, then this is definitely an option. You can crash with friends and family and rent out your entire house if you’re really desperate.

Related: What You’ll Really Earn on Uber, Airbnb and TaskRabbit Every Month

25. Money-making strategy: Do micro gigs on Mechanical Turk

Mechanical Turk is a platform by Amazon that allows you to do small jobs and get paid for it. But don’t expect too much money out of this. These gigs truly are “micro” and range from a few cents to a few dollars at the most. But if you string several of these together, it might be in your benefit. 

You don’t need any serious qualification to do this. Usually, this involves clicking on links, taking surveys, giving an opinion, doing some light categorizing or other human-intelligence tasks (HITs as they like to call it).

26. Money-making strategy: Sell vintage clothes at a thrift shop

You’ll likely get paid by the pound but it’s some money, so if you’re in need, then why not — especially if you have no use for those clothes anymore. This works best for things like maternity clothes, old children’s clothes, clothes that you haven’t worn in years or are simply out of style. 

27. Money-making strategy: Open a cash-bonus checking account

Check with your local bank to see if they’re giving away cash bonuses for opening up accounts. Banks run promotions like this all the time, so grab some real cash quickly if you’re in need. It won’t break the bank (no pun intended) but it will give you a quick $50 or $100 — maybe even more — when you really need it. You might need to deposit a minimum amount of cash (usually in the thousands) in order to qualify for these types of accounts (but not always).

28. Money-making strategy: Get a small microloan

You can get a small business loan (very small) on Fundera, or Prosper if you’re looking for a very small personal loan. Depending on your credit and your financial and employment situations, you can secure up to a few thousand dollars like this.

There are loads of platforms that offer these small microloans. You have to pay them back but it can help if you’re in a bind.

29. Money-making strategy: Conduct a webinar

Okay, it sounds intimidating but webinars are one of the best ways to earn cash quickly. You’re speaking to a highly-engaged audience. If you position yourself and the offer correctly, you can make loads of money in a very short period.

GoToWebinar is by far the biggest platform. Webinar Jam is one of the most feature-rich platforms out there. Whichever you go with comes down to how well you can sell. It takes practice, but this is fast cash at its essence.

Related: 12 Realistic Ways to Make Your First $1 Million

30. Money-making strategy: Wash or detail cars

People are always looking to have their cars washed and detailed. You could be a mobile car washer and detailer without having a permanent location. Reach out to people you know or make some flyers and put it in your neighbors’ mailboxes. If you want to get serious about it, prop up a one-page website or give out business cards. You can make money quickly doing this.

31. Money-making strategy: Lead walking tours on Viator

If you live in a tourist locale, consider doing walking tours on Viator, which is one of the largest platforms for tour operators in the world. You’ll really need to work hard to get a good reputation. To find clients quickly offer free tours and ask for tips at the end.

This is leveraging the principle of reciprocity with the power of free. People love to get things for free, but they feel obligated at the end to give something in return. That’s why supermarkets are always giving away food. They know if you like it, you’ll buy it. 

32. Money-making strategy: Pawn your valuables

If you’re running on fumes, financially speaking, but you have some money coming your way soon, consider pawning something of value to borrow fast cash. Of course, to get those items back you’ll need to pay back the loan with interest. If you don’t pay it back in time, that you’ll lose the item. If it’s really something that has a lot of intrinsic value to you, don’t do it. But if it’s something that doesn’t, you can certainly consider it depending on your situation.


On the Web

The 4 Best Discover Credit Cards of 2020

Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. Read our Editorial Guidelines to learn more about our team.

Advertiser Disclosure

We think it’s important for you to understand how we make money. It’s pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That’s why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don’t represent all financial products out there, but our goal is to show you as many great options as we can.

This offer is no longer available on our site: Discover it® Secured.

Discover credit cards have numerous benefits for a wide variety of consumers, all with no annual fee. Take a look at our picks to see if one of these cards is right for you.

Find a credit card that works for me

  • Best for cash back: Discover it® Cash Back
  • Best for travel: Discover it® Miles
  • Best for students: Discover it® Student Cash Back
  • Best for building credit: Discover it® Secured

Best for cash back: Discover it® Cash Back

Here’s why: Although the cash back system for the Discover it® Cash Back card can be a little confusing at first, you can earn significant rewards if you spend in certain categories.

Many cash back credit cards offer the same flat cash back rate on all purchases, or consistently higher rates on purchases in certain categories — but the Discover it® Cash Back credit card works a little differently.

This card offers a whopping 5% cash back on purchases in certain categories, up to a quarterly maximum amount of $1,500 (then 1%). But there’s a catch: These categories change each quarter, and you have to activate them. Otherwise, you’ll only earn a standard cash back rate of 1% on all purchases.

When considering this card, make sure you’re likely to take advantage of these cash back offers, especially within the first year so that you can also take advantage of Cashback Match. With Cashback Match, Discover will match all of the cash back rewards you’ve earned — after the first 12 consecutive billing periods that your new account is open — and apply them to your account within the following one or two billing periods. For example, if you earned $200 in cash back rewards over the course of the first year your account is open, you’d get another $200 cash back bonus.

You can redeem your cash back rewards at any time as statement credit, a bank deposit, a donation to select charities, or payment with Cashback Bonus at

For more details about how this cash back program operates, check out our Discover it® Cash Back review.

Best for travel: Discover it® Miles

Here’s why: Many travel rewards credit cards come with a pricey annual fee, but the Discover it® Miles card offers helpful travel rewards value without that upfront cost.

When you use the Discover it® Miles card, you’ll earn 1.5 miles for every $1 you spend on purchases. You can redeem miles for cash as a deposit to your bank account or as statement credit for travel purchases made within the previous 180 days. There’s no expiration date on those miles as long as you keep the card open, so you can save up as many miles as you want before choosing to redeem.

Once you’re ready to book a trip, simply use your Discover it® Miles credit card to pay for it. Then, once the charge is applied to your credit card, you can log into your account and redeem your miles as a travel credit.

Each mile is worth 1 cent when you redeem. When combined with your 1.5 mile-earning rate on purchases, that means $100 in spending will translate to $1.50 in travel credits.

Interested in this card? Take a look at our Discover it® Miles review for more details.

Best for students: Discover it® Student Cash Back

Here’s why: The Discover it® Student Cash Back offers cash back on common essentials and rewards you for good grades, too.

There are two Discover credit cards directed at students: The Discover it® Student Cash Back card, and the Discover it® Student chrome card. While the Discover it® Student chrome card offers 2% cash back on your first $1,000 in combined gas stations and restaurant purchases each quarter (then 1%), the offer may be unattractive to students without a car or on a student meal plan.

That’s why we recommend the Discover it® Student Cash Back — it offers 5% cash back on more-useful categories on up to a quarterly maximum of $1,500 (then 1% after that). These bonus categories change quarterly and need to be activated each quarter, but they provide impressive rewards potential.

The Discover it® Student Cash Back card also comes with two other great ways to maximize your rewards. First, you’ll get Cashback Match at the end of your first year, just like with the standard Discover it® Cash Back card. Second, and for students specifically, you can get a $20 statement credit each school year (for up to five consecutive years) if you maintain at least a 3.0 GPA.

Need more information to help you decide if this card is right for you? Read about our picks for the best credit cards for students.

Best for building credit: Discover it® Secured

Here’s why: The Discover it® Secured is a great option for folks looking to build their credit, because it reports to all three major credit bureaus. You’ll even get access to a free FICO score through your Discover account so you can track your progress.

Like all secured cards, the Discover it® Secured requires a security deposit as collateral, which will serve as your credit limit. The minimum is $200. Your security deposit is refundable, and Discover also gives you a path to graduate to an unsecured card.

Another thing that’s special about this card? It has rewards, which is pretty rare for a secured card. You’ll earn 2% cash back on up to $1,000 in purchases at gas stations and restaurants each quarter, plus 1% cash back on all other purchases. And you’ll get a cash back match at the end of your first year.

How we picked these cards

Discover aims its credit cards at a wide range of consumers, so we tried to pick categories that match the needs of as many people as possible. We hope there’s a card on this list that you’ll find useful.

After choosing our categories, we looked at what features each Discover credit card offers. Each of the credit cards we looked at has no annual fee but differs slightly, and we took these differences into consideration when choosing which is best in each category. For example, we looked at which Discover credit cards offer the best perks that could serve more students, not just the card that offers the best possible rewards.

How to make the most of Discover credit cards

Discover credit cards could be a great choice for people looking to minimize fees while still earning rewards. That’s because each of these cards comes with no annual fee, no late fees on your first late payment, no penalty APRs for late payments and no foreign transaction fees. You could also get great value from Discover’s first-year Cashback Match feature, and the free FICO® score available on your monthly statements — which can help you to keep track of your credit.

But don’t forget that Discover isn’t yet widely accepted around the world. In some countries, Discover cards are rarely accepted or not accepted at all. It’s a good idea to check with Discover before you travel to see if merchants in your destination will accept the card — but you should probably still carry alternative forms of payment when traveling abroad.

So while these Discover cards might be right for those looking for a great value at home, consider opting for another card if you’re traveling overseas. Other credit card networks, such as Visa and Mastercard, are more widely accepted abroad and feature plenty of options with no foreign transaction fees.

Find a credit card that works for me

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Explaining the Power of Crystals to Sceptics

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Explaining the Power of Crystals to Sceptics - 5

By Christina Lavers

Contributing writer for Wake Up World

Crystals and precious gems are undoubtedly jewels in the crown of Mother Nature’s creation, but is there really anything more to them than aesthetically pleasing colours and formations? Ask anyone who has ventured down the crystal path and the response will be a resounding “Yes!” For these people crystals are powerful tools that have the ability to energize, soothe, cleanse, heal, transform, and inform the energy fields they come into contact with. Many of us even develop deep relationships with our stones, seeing them as teachers, guides and friends. But for the more sceptical and less sensitive among us, the metaphysical properties of gems probably seem as though they should sit on the shelf next to magic beans, sea monkeys, and penis enlargement creams.

I personally grew up straddled between the “woo woo” world that I was naturally drawn to and the pragmatic world that I was raised in. I was taught to see people who worked with crystals as flaky, absurd, phony types who lacked connection to reality — but nevertheless, I was attracted to the shimmering, mysterious stones. One of the most difficult aspects of finally coming out and calling myself a crystal worker was that I knew that the majority of my friends and family perceive the practice in the same way I was taught to see it: ‘New Age’ mumbo jumbo. Fortunately for me, the power and allure of the stones trumped the subtle, or not so subtle ridicule, and has actually played an important role in encouraging me to throw off the shackles of social judgement, as well as helping me to better understand some people’s need to discredit others’ experiences and belief systems.

Being one of the many people today who straddle two worlds, I have a tendency to look at things from multiple perspectives. (Check out my article Are You a Bridge Between Two Worlds? for a deeper discussion of this.) As I explored and became increasingly adept at identifying crystals and sensing their associated properties, it occurred to me that there is actually a way to explain crystal work to someone who is a complete sceptic.

“If you want to understand the secrets of the universe, think in terms of energy, frequency and vibration.” ~ Nikola Tesla

Energy, frequency and the power of belief

The most common way the power of crystals is explained is through frequency. Because at molecular levels crystals are arranged in a highly ordered structure, they are one of the most cohesive expressions of physical matter. Most crystal workers believe that because their vibrations are pure and undistorted, they have the ability to positively influence the human vibrations they come into contact with. However, if we are someone who lumps the idea of vibrations being able to affect humans in with esoteric nonsense, then this perspective won’t hold water. But even if we disregard the frequency aspect of crystals, it is still possible to rationally explain the crystal phenomenon.

We all know that we can be affected by things that have no innate powers, just by believing that they do. We call this the placebo effect. Though science uses the placebo effect to denounce many esoteric phenomenons, it actually supports one of the most controversial ideas: the idea that our minds can affect our physical reality. New research that analysed the results of 84 clinical drug trials from 1990 to 2013 for medications prescribed to treat chronic pain, found that in the US the placebo effect has been steadily increasing. [source] By 2013, patients receiving just placebos remarkably experienced on average a 30% decrease in pain levels.

This demonstrates that belief can be a powerful key that allows us to unlock mental states and abilities that we might not otherwise be able to access. As Bruce H. Lipton, Ph.D explains, “If the brain expects that a treatment will work, it sends healing chemicals into the bloodstream, which facilitates that. That’s why the placebo effect is so powerful for every type of healing. And the opposite is equally true and equally powerful: When the brain expects that a therapy will not work, it doesn’t. It’s called the nocebo effect.”

(For more information, please read: 6 Stories That Will Make You Believe In the Power of Your Mind To Heal You and Scientific Proof That Negative Beliefs Harm Your Health.)

Exploring the properties of crystals

When one starts exploring the metaphysical properties of crystals they quickly discover that there is a well established, organized system that links specific crystals with specific properties. This system is in effect like a language with agreed upon meaning and structure. Each crystal becomes a symbol to express specific qualities. For example Rose Quartz emits a soft, gentle, loving energy, while Citrine has a bright, joyful, sunny quality, and Black Tourmaline is a grounding, and extremely protective stone. Most people who work closely with crystals have learned to feel and recognise these energies.

Explaining the Power of Crystals to Sceptics - fb

However, understandably, a person who lives from a purely scientific perspective and does not believe in subtle, discernible energy fields, is more likely to think that the crystal worker is delusional, or has just fooled themselves into believing something that is false and ultimately pointless. So, for the sake of argument let’s just say this is true: crystals have no inherent energy that is discernible by humans. Are crystal workers just wasting their time with nonsense? Based just on what we know about the power of belief, I would argue that, even if this perspective were true (and of course I don’t believe it is), then crystal workers would still not be wasting their time — they would be activating the power placebo effect.

Crystals can be seen as beautiful symbols in an energetic language that can teach a person to discover and work with their own internal energies, regardless of whether the crystals can actually be felt or not. For example as I mentioned above, Black Tourmaline is known for its protective qualities. When I got my first piece I noticed that carrying it with me made it easier to interact with the outside world without feeling drained or energetically compromised. The difference was massive. When I used to come home from running errands I would need an hour alone to re-centre. This was no longer the case when I had a piece of Black Tourmaline with me. After several months I realised that since working regularly with the Tourmaline, I could identify the energy that I associated with that particular stone, and eventually I could even call upon it internally if I didn’t have the crystal with me. So basically regardless of whether I was learning from the crystal, or doing it all myself, the result was a significant improvement in my quality of life.

“Ok”, someone might say, “but why pay for a piece of Black Tourmaline when an everyday rock might have done the same thing.” Good question. Needless to say I believe that there is a big difference between the energy of Black Tourmaline and a river stone (not better or worse, just different), but that is clearly not going to wash with the sceptic. So instead I would answer that an important difference is that crystals are symbols within an agreed-upon and categorised system, embued with the power of collective belief. Historically and cross-culturally there is much evidence of humans working with crystals and using them in healing and spiritual practices. This lore, over time has been compiled and expounded upon by other avid crystal aficionados, culminating in a coherent system that can be adopted by anyone venturing into the community. When someone comes onto a crystal site asking, “What crystal can I use to feel more protected?” there will undoubtedly be a chorus of people declaring, “Black Tourmaline!” When a person is open to exploring this established system, the collective suggestion to use Black Tourmaline would likely have the effect of reinforcing in the mind the belief that it works, which then boosts the mind’s ability to produce the desired effects. So when a person selects a piece of Aquamarine because it is associated with effective communication and calmness, or carnelian for its ability to energise and motivate, the strong, collective associations with these symbols can act as triggers to encourage a person to activate those qualities within. Basically by selecting a particular stone (symbol) to work with, we can call to the fore the particular state we seek to embody.

Reflection, imagination and beauty

An added dimension to these practices is the undeniable aesthetic beauty of crystals, which I feel contributes to their effectiveness. People drawn to crystals are often attracted to their outward appearance. Like poetry crystallized in the physical, their exquisiteness is uplifting and inspires contemplation and reflection. When interacting with crystals it is easy to become entranced by their flashing colours, intricate structures, and internal worlds. By focusing on the visual aesthetics our imaginations are stimulated and we are more likely to drop into the relaxed alpha brainwave state where the connection to our unconscious is stronger and we are more likely to uncover profound realizations and understandings.

Ultimately there are many who will continue to disregard the metaphysical properties of stones and that is fine; crystals aren’t for everyone. There are currently many subtle energy based modalities that are disparaged by those who align with a conventional understanding of reality, yet like crystals those modalities have been helping people for thousands of years. One day, as we continue to learn more about frequencies, subtle energy, and the power of the mind, mainstream science may be able to document and explain exactly how crystals work. But for those of us who are fortunate enough to have the ability to sense crystal energy now, enjoy this enchanting way to grow and heal, and don’t let anyone’s derision affect your passion. There is so much variety in terms of humans and the way we see and experience the world and the more we can embrace what feels right and true for us, without allowing the experiences and world views of others to cloud or diminish our own reality, the more vibrant and potent our own experiences will be.

Energy work is priceless. It makes every day extraordinary and transforms the mundane to the holy. ? Silvia Hartmann

Jump Into The Blue

A book by author Christina Lavers

Divine Magic or Madness? Heroine or Fool?

Jump Into The Blue is a breathtakingly beautiful, at times disquieting, and occasionally terrifying journey to the outer reaches of reality. Moving from the grungy streets of Montreal, to Mayan Pyramids, Rainbow Gatherings, and ultimately to the far reaches of reality, Jump Into The Blue is a multidimensional story, told authentically from the heart, in which the author challenges her readers to evaluate their own understanding of reality.

With nuggets of wisdom and unique spiritual insight, this wild, enchanting journey, detailing incredible highs and terrifying lows, is sure to fascinate anyone interested in the deeper aspects of life.

Jump Into The Blue is available here on Amazon.

For more information, check out and Facebook/Jump Into The Blue.

About the author:

Christina Lavers

Christina Lavers is a writer, an artist, a creative enthusiast, and an inner world explorer. Born in Montreal Quebec, Canada, she now lives with her life partner and son in a rainforest pocket in the hills behind Coffs Harbour, NSW Australia. She spends her time playing, creating, growing and sharing.

Christina is devoted to assisting people to find and connect with their own creative magical current that flows deep within. She is now offering a comprehensive e-course designed to help people light up their world with passion and creativity. You can access Section One here for free!

Christina has also recently published her first full length book, a memoir about her wild awakening journey entitled Jump Into the Blue, and she is currently working on the next one.

“My journey has been about personal alchemy… exploring the mysteries of my soul and my environment, and learning to bring all aspects, the light and the dark, together with the transcending ingredient… love. The more I uncover and nurture the wounded aspects of my being, the more whole and grounded I feel and the more my outer world reflects the love, wonder and magic I have discovered inside”.

You can follow Christina’s work at:

  • www.facebook/Jump Into The Blue

Recommended articles by Christina Lavers:

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How do I sign up for a ClickBank account?

ClickTip Lightning BoltClickTip: As of October 29th, 2019, the process to sign up as a ClickBank Client has changed. ClickBank Clients start their sign up process by creating an account, and then creating individual account nicknames. From those nicknames, new clients can then navigate to the Account Management platform where they can update their payment information, add products, find products, network with affiliates, and complete many other functions and tasks for their unique accounts. These accounts are accessed and managed from one central login where their sales data can be analyzed as a whole and tickets for all the accounts can be managed in one place. This central login area is referred to as a “Master Account.” 

Signing up for a ClickBank Account is the first step to getting started as a ClickBank Affiliate or a ClickBank Vendor. There are four distinct phases to the sign-up process: signing up, completing the profile, creating an account, and updating payment information. Regardless if you want to become a ClickBank Affiliate, or ClickBank Vendor (or both) the processes are, by and large, the same. Below, find a comprehensive guide to signing up for a ClickBank Account. 

ClickTip Lightning BoltClickTip: Depending on what phase of the process you are in, you can navigate to the help article that best suits your needs by clicking the link. 

Phase I: Signing up for a ClickBank Account
Phase II: Completing the ClickBank Profile
Phase III: Creating a ClickBank Account
Phase IV: Updating Payment Information 

Phase I: Signing up for a ClickBank Account

How to Sign Up for a ClickBank Account 

Signing up for a ClickBank Account is quick and easy. Follow the steps below to complete the initial sign up step of the process. 

Step 1: Adjust your browser settings.

In order to sign up for a ClickBank account you must have Javascript and cookies enabled for the ClickBank pages to function properly. To make sure you’re in compliance, follow the browser-specific instructions below. 

ClickTip Lightning BoltClickTip: We advise that you use the most current and updated version of your preferred browser. This may mean upgrading to Microsoft Edge (the new Microsoft browser) rather than using Internet Explorer. 

  • Firefox
  • Click the drop-down menu titled “Firefox.” Then, select the “Preferences” option.
  •  Click on the “Content” tab and make sure that the “Enable JavaScript” box is marked. 
  • Then, click on the “Privacy” tab and make sure the boxes marked “Accept cookies from sites” and “Accept third-party cookies” are both checked.
  • Internet Explorer 
  • Select the “Tools” menu and choose “Internet Options.”
  • Click on “Security” and then make sure the “Security Level Zone” is set to Medium-High.
  • Then, click on “Privacy” and set the “Cookies Level” to Medium.
  • Chrome
  • Navigate to the Chrome menu that looks like three vertical dots in the right corner near your search bar.
  • Select “Settings” from the drop-down menu. 
  • Scroll to the bottom of the page and click “Advanced.” 
  • Locate the “Privacy and Security” section and click “Site Settings.” 
  • Make sure that the Cookies setting is set to “Allow sites to save and read cookie data.” 
  • Then, make sure that the Javascript setting is set to “Allowed.”


Step 2: Navigate to the ClickBank Sign Up Form. 

Once you have enabled JavaScript and Cookies for your browser, click here to access the ClickBank Signup Form. 


Step 3: Enter your basic information into the sign up form. 

On the “Create Account” sign up form, select your country from the dropdown menu and then type in your first name, last name, phone number, and email address. You must also choose a password to continue.


Step 4: Read the Terms and Conditions. 

Click the “Continue to Terms and Conditions” button to read the ClickBank Client Contract. Once you had read the contract, click the “Accept Terms and Conditions” button to minimize the window and return to the sign up form. 


Step 5: Click the “Join ClickBank!” button. 

Click the “Join ClickBank!” button to complete the initial portion of the sign up process. 

Once you click the “Join ClickBank!” button, the initial account sign up process is complete. The next step in the sign up process is to complete your ClickBank Client Profile. You will be prompted to do this immediately upon signing up. If for any reason you leave the sign up process, you can update your profile by following the steps in the “How to Complete your ClickBank Profile” help article.  


ClickTip Lightning Bolt


Phase II: Completing the Client Profile 

Before proceeding with these steps, you must complete Phase I of the sign up process. 

How to Complete Your ClickBank Profile 

Step 1: Log in to ClickBank.

If you have navigated away from ClickBank after completing Phase I of the sign-up process, sign back in by returning to the ClickBank log in page and using your email address and password to access the “Dashboard” page. 

Step 2:  Click the “Profile” tab. 

Locate the vertical navigation panel on the left side of the screen. On this panel, click the “Profile” tab to access the “Profile” page. 

Step 3: Enter in the required information.

On the “Profile” page, enter in the required information into the provided fields. 

ClickTip Lightning BoltClickTip: Some of the information is pre-populated according to what you provided on the previous sign up form. Any information that is not required will be denoted as optional in the value field. 

  • Address:
    In the “Address” field, enter the address affiliated with the payee of the account. This is important because the default payment method for accounts is payment via mailed check. To change your payment method, click HERE for an instructional article. 
  • Tax ID:
    A tax ID is either an Employer Identification Number (EIN) issued by the IRS for businesses or a Social Security Number (SSN) if you are operating as an individual. 

    ClickTip Lightning BoltClickTip: You are required to provide your tax ID because ClickBank issues 1099 tax forms to affiliates who make over $600. Your tax ID must match the payee name provided for the account. 


Step 4: Click the “Save” button. 

Once you have completed your ClickBank profile, click the “Save” button. Once you click this button a dialogue box will appear confirming that your profile has been successfully updated.

When your profile is complete, the next step is adding an account with a unique account nickname. To add a ClickBank Account, follow the steps in the “How to Create a New ClickBank Account” article.

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Phase III: Creating a ClickBank Account

Before proceeding with these steps, you must complete Phase II of the sign up process. 


How to Create a New ClickBank Account

Step 1: Log in to ClickBank. 

If you haven’t already logged in to ClickBank, navigate to the log in screen and enter your email address and password to access the “Dashboard” page. 


Step 2: Click the “Accounts” tab. 

Locate the vertical navigation panel on the left side of the screen and click the “Accounts” tab. Clicking this tab will direct you to the “Manage Account Nicknames” page. 


Step 3: Click the “Create Account” button. 

On the right side of the screen, locate the “Create Account” button. Click this button to display the “Create Account” dialogue box. 

Step 4: Provide the required information. 

The “Create Account” dialogue box requires that you select an account type and provide a nickname for your account. Below, find a list of options you can select from the “Account Type” drop-down menu: 

ClickTip Lightning BoltClickTip: If you plan to operate as a ClickBank Vendor, you must pay a one-time activation charge once your first product has been approved. This charge is $49.95 for your first account and $29.95 for any additional accounts. See the “Creating Your First Product” article for more information.

  • Vendor:
    ClickBank Vendors sell ClickBank-approved, quality products ranging from e-books to fitness supplements. For a list of product categories, click HERE.
  • Affiliate:
    Affiliates find products they are passionate about and promote them on their promotional platforms. 

    To learn more about becoming a ClickBank Affiliate, click HERE. 

  • Combination:
    ClickBank clients can choose to be both a vendor and an affiliate. If this applies to you, select this option. 
  • Custom:
    If you are only planning on selling or promoting for a season, select this option. 
  • Test:
    If you’re just exploring ClickBank, check this option. You can always change this later. 


Step 5: Click the “Create Account” button. 

Once you have provided the required information, click the “Create Account” button to proceed. Clicking this will create a unique account affiliated with the email address you used in the initial sign up phase. 

Depending on the account type, you can sell or promote products from each account. You can also create Clerks with specialized permissions to help you manage account operations.

Click HERE for more information on how to create ClickBank Clerks. 

In order to complete all four phases of the sign-up process, you must add your payment information to your account to receive commission for sales or revenue from sales. To add your payment information to your account, follow the steps in the “How to add Payment Information to your ClickBank Account” help article.


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Phase IV: Adding Payment Information

Before completing Phase IV of the sign-up process, you must complete Phase III. To update your payment information, for your new account, follow these steps. 

How to add Payment Information to your ClickBank Account

To update your payment information, for your new account, follow these steps. 


Step 1: Log in to your ClickBank account. 

If you have navigated away from the “Dashboard” page, log back in. This will direct you to the “Dashboard” page. 

Step 2: Click the “Accounts” tab. 

Locate the “Accounts” tab on the vertical navigation column on the left side of the screen. When you click this tab, you will be directed to the “Manage Account Nicknames” page. 

Step 3: Select the Account Nickname you wish to update. 

From the list of accounts under the “Nickname” header, select the account you wish to update. Click the account nickname to be directed to the operations page. This page will open in a new tab.


Step 4: Click on the “Account Settings” tab. 

Locate the horizontal navigation bar at the top of the screen. Click the “Account Settings” tab on this bar. Clicking this tab will direct you to the “My Account” page. 


Step 5: Locate the “Payment Information” box and click “Edit.” 

In the upper-right corner of the “Payment Information” box, there is an “Edit” link. Click this link to proceed to the “Payment Information Editor” page. 


Step 6: Provide payment information for your account. 

Depending on your preferences, you can change your payment threshold, payment method, and payment frequency. Enter in the required information. 

For more information on payment options, click here to read the “How do I get paid?” article. 


Step 7: Click the “Save Changes” button. 

Once you have made your selections and added your information, click the “Save Changes” button.

Clicking the “Save Changes” button will update your payment information and complete all of the steps to sign up for a functional ClickBank Account.



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On the Web

[INFOGRAPHIC] How To Hypnotize Yourself: Discover The Easy 6-Step Self Hypnosis Formula

Interested in reaping the many rewards that come from a regular self hypnosis practice, but not quite sure how to hypnotize yourself?

Got good news for you.

Self hypnosis is a lot easier to learn than you might think (it’s actually very similar to meditation). Anyone can master it – all it takes is some practice and dedication on your behalf.

It’s a little like going to the gym – at first your muscles don’t have much stamina, but as you continue to train, they get stronger and stronger, and what once seemed difficult, now you’re able to accomplish with ease.

Learning how to hypnotize yourself is much the same – it might seem uncomfortable or even impossible to begin with, but with time, you’ll find it easier and easier… and eventually you’ll begin to wonder how you ever got through your week without spending some time going inwards.

If you are interested to know about the power of self-hypnosis, check this online training program.

To discover how to get started with a self hypnosis practice, check out the infographic below for a beginner’s step-by-step guide.

How To Hypnotize Yourself

And to find out how self hypnosis can be used to help you reach a particular goal, experience inner healing or even reach heightened states of conscious awareness, you might be interested in our groundbreaking self-hypnosis homestudy program, Beyond Self Hypnosis.

Created by one of the world’s leading hypnotists, Igor Ledochowski, Beyond Self-Hypnosis will expand the limits of your unconscious mind and upgrade your mind’s “architecture.” Yep… it’s really powerful stuff.


On the Web

Anger management: 10 tips to tame your temper

Anger management: 10 tips to tame your temper

Keeping your temper in check can be challenging. Use simple anger management tips — from taking a timeout to using “I” statements — to stay in control.

By Mayo Clinic Staff

Do you fume when someone cuts you off in traffic? Does your blood pressure rocket when your child refuses to cooperate? Anger is a normal and even healthy emotion — but it’s important to deal with it in a positive way. Uncontrolled anger can take a toll on both your health and your relationships.

Ready to get your anger under control? Start by considering these 10 anger management tips.

1. Think before you speak

In the heat of the moment, it’s easy to say something you’ll later regret. Take a few moments to collect your thoughts before saying anything — and allow others involved in the situation to do the same.

2. Once you’re calm, express your anger

As soon as you’re thinking clearly, express your frustration in an assertive but nonconfrontational way. State your concerns and needs clearly and directly, without hurting others or trying to control them.

3. Get some exercise

Physical activity can help reduce stress that can cause you to become angry. If you feel your anger escalating, go for a brisk walk or run, or spend some time doing other enjoyable physical activities.

4. Take a timeout

Timeouts aren’t just for kids. Give yourself short breaks during times of the day that tend to be stressful. A few moments of quiet time might help you feel better prepared to handle what’s ahead without getting irritated or angry.

5. Identify possible solutions

Instead of focusing on what made you mad, work on resolving the issue at hand. Does your child’s messy room drive you crazy? Close the door. Is your partner late for dinner every night? Schedule meals later in the evening — or agree to eat on your own a few times a week. Remind yourself that anger won’t fix anything and might only make it worse.

6. Stick with ‘I’ statements

To avoid criticizing or placing blame — which might only increase tension — use “I” statements to describe the problem. Be respectful and specific. For example, say, “I’m upset that you left the table without offering to help with the dishes” instead of “You never do any housework.”

7. Don’t hold a grudge

Forgiveness is a powerful tool. If you allow anger and other negative feelings to crowd out positive feelings, you might find yourself swallowed up by your own bitterness or sense of injustice. But if you can forgive someone who angered you, you might both learn from the situation and strengthen your relationship.

8. Use humor to release tension

Lightening up can help diffuse tension. Use humor to help you face what’s making you angry and, possibly, any unrealistic expectations you have for how things should go. Avoid sarcasm, though — it can hurt feelings and make things worse.

9. Practice relaxation skills

When your temper flares, put relaxation skills to work. Practice deep-breathing exercises, imagine a relaxing scene, or repeat a calming word or phrase, such as “Take it easy.” You might also listen to music, write in a journal or do a few yoga poses — whatever it takes to encourage relaxation.

10. Know when to seek help

Learning to control anger is a challenge for everyone at times. Seek help for anger issues if your anger seems out of control, causes you to do things you regret or hurts those around you.

Feb. 29, 2020

  1. Sood A. Relationships. In: The Mayo Clinic Handbook for Happiness: A 4-Step Plan for Resilient Living. Cambridge, Mass.: Da Capo Press/Lifelong Books; 2015.
  2. Pish S, et al. Anger management program participants gain behavioral changes in interpersonal relationships. Journal of Extension. 2016;55:e1. Accessed Jan. 18, 2017.
  3. Mehta M, et al., eds. Anger management. In: A Practical Approach to Cognitive Behaviour Therapy for Adolescents. New Dehli, India: Springer India; 2015.
  4. Controlling anger before it controls you. American Psychological Association. Accessed Jan. 18, 2017.
  5. Fabian P, et al. Does exercise reduce aggressive feelings? An experiment examining the influence of movement type and social task conditions on testiness and anger reduction. Perceptual and Motor Skills. 2016;122:971.
  6. McCullough M, et al. Conciliatory gestures promote forgiveness and reduce anger in humans. Proceedings of the National Academy of Sciences of the United States of America. 2014;111:11211.

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