Beautify your Twitter Cover in One Click

A few weeks ago, Twitter released new header image options for each user’s profile. As a result. users may now change their Twitter “cover” if they want.
TwitrCovers has the best collection of Twitter covers available that I’ve seen. All Twitter covers are divided into categories like Nature, Movies, Animals, Art, Games, Quotes, and more.


Simply choose to edit your profile using the iPad app, touch the “Header” button, and choose your preferred cover image. If you’re visiting Twitter using your computer, you can upload your cover by clicking the image of the cog in the upper right-hand corner and choosing to “Edit Profile”. Choose “Design” from the left-hand menu, and then scroll down to the “Customize Your Own” section. Then check out how much better your Twitter cover looks!

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30 Windows 8 Features You Should Know Before You Upgrade Your PC

Windows 8 was released last week and the latest version of Windows contains more than 300 new features as compared to the previous Windows 7. I know many of you are still thinking about whether you should upgrade your Windows system or not. Therefore, we have tracked down 30 new Windows 8 features that can help you to make that decision.
1. The new Start Screen
The new Windows 8 start screen has all of the information you care about in one place, such as weather, your contacts, and the next appointment on your calendar. The tiles on your start screen are brimming with content that will change and update in real-time so you can see what’s going on and stay on top of things.

2. The new Charm bar
Instead of traditional “Start Menu,” Windows 8 introduces a new implementation named “Charms.” The Charm sidebar offers five sets of options, which supports system settings such as volume and brightness or app-specific settings. Five options include Start, Search, Share, Devices, and Settings. The “Start” option takes you back to Windows 8 home screen. Devices option shows you a list of devices you have connected. “Share” option offers you direct sharing to Social Networks.

3. More life to the lock screen
In Windows 8, you can select up to seven apps that run in the background and send notifications to the lock screen. Some of the apps can show updated information at all times such as Weather app or Calendar app.

4. Pin everything you love
The New Start Screen is for not only live tiles and information updates; it is an important bulletin board on which you can pin whatever you like. For example, you can pin specific websites or particular sections of an app. You can pin one specific place from your travel app so that you can keep track of that location at the Start screen.
5. Seamless integration of touch, keyboard, and mouse
You can now switch between apps, organize your Start screen, and pan and zoom. With the touch keyboard, you can navigate, type, and interact on the go. Because you work in different ways depending on which app you’re using, Windows 8 make it easy to use whichever method works for you.
6. New Windows store
The new Windows store is designed to make it easy to discover apps without getting lost. You will see apps featured on the front page and it is easy to find apps because they’re well-organized in categories like New Releases, Top paid and Top free. After you decide, you can buy with peace of mind because before an app makes it to the Windows Store, it is screened and checked if there are any virus.

7. Protecting children from the Windows store
Using Family Safety, you can change the settings to determine what your children can download and see in the Windows store. Setting up a rating level filters the apps and games that children can access the Windows store in a safer environment on you preferred requirements.
8. Windows 8 keyboard switch to your language automatically
The new touch-enabled PCs with Windows 8 installed, the keyboard layout automatically adjusts to the language you have chosen based on your preference. So, language settings apply to the whole PC rather than just some of your apps in your PC.

9. The new Navigation of Touch screen
Some common Windows 8 gestures:

• Swipe from the right edge for system commands
• Swipe in from the left to switch app
• Swipe in and out on the left brings up previously used apps
• Swipe from the bottom or top edge for app commands
• Drag an app to close an app
• Press and hold to see more options

10. Everything on Windows 8 is cloud-connected
If you sign in your windows 8 device with Microsoft account, your personalization, desktop background, and settings are all there, which is similar to the synchronization feature of Google Chrome. You can now start a project on one PC, and finish it on another. When you use the cloud to store your information, the boundaries between devices dissolve.
11. Windows To Go
Windows To Go allows users to make a complete copy of their Windows 8 OS with their settings, wallpapers, apps, and even files into a USB thumb drive. Plugged it into another computer with Windows 8 already installed, and users can boot up the Computer with the look exactly alike the Windows 8 that you normally use.

12. Connected to your files on cloud
One of the new Windows 8 features is that you can switch from one Windows 8 device to another and be ready to pick up where you left off just by signing in. When your files are put in the cloud, you can access photos and other files on Microsoft SkyDrive when you have an internet connection.

13. Family safety in the cloud
You can now set up accounts for your children so that you don’t have to worry about their online activity. Family Safety will monitor your children’s activities and let you know what they are doing in real-time. If you connect the account, you can get a weekly report about their online activity. You can also set up web-site filtering and time limits as well as app restrictions for your children.
14. Applications work well with each other
In windows 8, apps work together very well so that you can share information between different applications and streamline your work. For instance, Mail and Photos apps are well-connected; you can select an image in the photos app and email it to one of your friends in your email contact list.
15. Web navigation by fingertip
The notorious Internet Explorer has been re-built in Windows 8. It is now designed to offer faster browsing via better hardware acceleration, along with high-speed gesture-based zoom, pan and web site navigation.

16. Support USB 3.0
USB 3.0 performs ten times faster than the original USB 2.0. Microsoft offers better support for native USB 3.0 devices. Now Windows 8 users can enjoy a super speed USB without using third-party driver.

17. Improved total search experience
If you want to search something, all you need to do is to type anything, and a search box will appear from the right and give you he results. The search capability is much stronger than previous windows version, which displays all the matching apps and files instantly.

18. Search within apps
You can now search within apps within Windows 8 search function. The “Charm” pane that pops out on the right column will show you the list of apps that you can conduct the search in. If you’re looking for emails sent by a particular person in your contacts, type the name and click the email app you wish to search in.
19. Share between devices without any cables
Tap and Do works on mobile devices equipped with Near Field Communications (NFC), so you can tap two devices together and share information easily. Tap and Setup is another new Windows 8 feature that lets you connect wireless devices such as keyboards, mics, or headphones by simply tapping them against your PC.
20. High speed boot time
The Loading and boot up speed has greatly improved over Window’s predecessors because there is better resource allocations to applications and the system. Compared to Windows 7 desktop, Windows 8 has higher speed boot time.
21. Better support for multiple monitors
Windows 8 now brings increased support for multiple monitors. You can now extend the taskbar across two Computers without using any third-party apps. You can also extend your wallpapers across two monitors. You can also switch quickly between primary and secondary monitor by clicking the switch button.

22. Keep Windows Update out of your way
If you turn on Windows Update during the setup section and your PC needs to update, Windows 8 can now install it when you are not using your PC, or at a time you’ve specified.
23. Build-in mobile broadband features
In Windows 8, it adds support for 3G and 4G telecommunication, which enable business users on the go to connect to the internet immediately. Windows 8 mobile broadband support can help keep data usage costs low with built-in mobile broadband metering.
24. SmartScreen protects you from malware on the internet
If SmartScreen is turned on at startup, the technologies check the reputation of any new app or website, helping to keep users safe no matter what browser they are using. This can help to prevent malware and viruses from infiltrating your computer.
25. Protect computer without third-party software
If you don’t have any malware scanners installed, Windows Defender monitors and helps protect your PC against viruses and other malware in real-time. If your PC becomes infected, it will automatically detect and removes malware. Windows 8 can also manage anti-malware software to help keep your PC safe.
26. Re-designed task manager
The new task manager is a handy dashboard that you can use to monitor and control your PC. The New Color-coded tiles present information in a way that’s easy to understand. You can keep track of resources efficiently and in real-time with graphs and details about process, apps and history as well.

27. Redesigned keyboard shortcut key
If you are not using touch-based devices, you can still enjoy new windows 8 features with keyboard shortcuts to access the best Windows 8 features. The following list includes some of the most useful commands:

• Windows key + F: To open the search on Charm
• Windows key + H: To open the share on Charm
• Windows key + C: To open Charm
• Windows key + K: To open the devices Charm
• Windows key + O: To lock the screen orientation on tablet
• Windows key + Z: To open commands for app

28. Easy restore
New Windows 8 has streamlined the options of system recovery, with options limited to “Refresh” or “Reset.” Refresh preserves your settings, files, and apps bought via Windows Store. “Reset” is a full system purge and restores the system without reinstallation, which is similar to restoring your iPhone via iTunes.
29. New login methods
Through a touch screen or mouse, you can now set your password to comprise a set of geometric gestures. This feature can only recognize simple gestures like lines or curves, but the result should be unique enough to make this a reasonable security alternative.
30. Better copy experience
Windows 8 introduced new copy operations, where all the file copying goes into a single dialog box. The new dialog box for file copying allows you pause, resume, or stop each operation. Now each copy job shows the speed of data transfer and how much data is left to transfer. In many cases, it can provide a quick and easy way to assess what is going on for a particular copy job.

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10 Essential Ways to Hack Your Life (Instead of Letting Life Hack You)

1. Stop waiting for things to change – change yourself NOW! 

Most often that means changing your attitude! Too many times people have preconditions to happiness, only to find even if they reach that goal, there are even more pre-conditions to happiness. Aside for a temporary “high” when we attain our goal, we very quickly go back to a general baseline mood unless we change our thinking habits. If you tend to be a pessimist, you will continue to be no matter what happens on the outside, unless you change from the inside. Real attitude change is an inside job!  

2. Build on your regrets, rather than let them keep you stuck in the past.  

All too often, we use the past as a hitching post rather than a guide post. What’s done is done, and you can’t change it now. Use lessons from the past to improve your life NOW!  See even failure as feedback, not as a referendum of your self worth. Regrets can propel you forward, make you wiser and help you develop empathy for others. Regrets give us many useful lessons to build upon if you do not let them weigh you down. Forgive yourself for now knowing everything when you were six! We are all works in progress. Use your regrets as stepping stones towards a better future, rather than rocks in your emotional backpack.

3. Learn something every day.

 The end of school does not mean the end of learning. We are learning all the time, even if we are not aware of it. Life gives the best lessons of all, and it constantly teaches us lessons no one ever could. If you open up to the wonder of growing and learning, even if the lessons are something you never wanted to learn, you will keep moving in a forward direction.

4. Stop lying to yourself! 

People who are the most honest to others are often the biggest liars to themselves. They feed themselves all sorts of fiction that they are not good enough, not smart enough, not attractive enough, to the extent that they feel at times like “failures”. The critical inner voice is hard to quell, especially if you learned early on those messages that were judgmental and critical.  People who lie to themselves treat fact like fiction.  Change your self talk from statements like “I should be further along in my life than now” to “I am disappointed at where I am in my life, and I have learned many lessons to build on to make different decisions now.”  

5. Forgive…for goodness sake!

Forgiveness does not mean condoning behavior – it means you give up the bitterness you harbor that eats at you and robs you out of happiness in life.  People who wrong us are not inherently evil, but rather more likely unhealthy and maybe very very, very unhealthy. Switching from seeing from being “bad” to being “unhealthy” can free you of the resentment and bitterness. Whether it is your parents, coworkers, friends, or as a result of a love relationship gone sour, forgiveness will help you open up your heart to try again.  Of course, the most important person to forgive is yourself, and keep in mind you are a work in progress.

6. Think straight to feel great! 

Irrational thinking lays the foundation for a lot of unhappiness and helplessness. Irrational thinking can be so automatic, that it is hard to catch, as our thoughts become solidified into “truths.” Our perceptions shape our reality, and that is what determines our attitude. As you become more aware of irrational patterns of thinking and change them into more rational thoughts, you will be empowered to change your attitude to change your life. “I can’t stand this” is irrational – nothing makes you melt into the ground! A more rational perspective is, “I am having a hard time with this”. The less you immobilize yourself with judgmental thoughts, the more you will feel empowered and optimistic.

7. Try to change what is in your control, not what is out of your control.  

Who is the only person we can change? Ourselves!  Who do we often try to change? Others!  Even trying to change someone else’s mind, however well meaning, can lead to frustration as people do not change just because you want them too – they need to want to! If you find yourself trying to change others, you will tend to be aggressive rather than assertive.  Bossiness and insensitivity will limit your ability to be accepting of others, flaws and all.  Of course, accepting people does not give them a “carte blanche” to say or do anything they want – it is up to us to set limits on how much we let them into our inner world. People who tend to be negative and focus on changing others rather than themselves are more likely to be dissatisfied with their lives.

8. Make peace with the fact that life is not fair.

We all know that life is not fair, but all too often we still expect it to be!  Expecting that life and people in it should be fair is the source of countless pain. Life gets quite tedious with that type of entitled mentality. Life is really more like Swiss Cheese with all its holes. It is not smooth and predictable like cream cheese or American.  It is actually the holes in our lives that offer us challenges that make us stronger and develop depth of character.  If we embrace the holes in our lives and grow through them, we become healthier in mind and spirit. Try as hard as you can to make life fair, and accept the rest and work around it.

9. Let yourself smile from within.

   People who are grateful for what they have instead of comparing themselves to others, feeling bitter about what they do not have, tend to feel less hacked by life. Pre-conditions to gratefulness is like pre-conditions to happiness – gratefulness will never happen unless we learn to be grateful for things in our life now.  Life can be tough and it is easier to find faults with it, but it will be an easier journey if we stop to smell the roses, slow down, and enjoy beauty in your world today.   Immerse yourself in nature, breath in the fresh air, slow down and savor each bite of food, and stop to lovingly gaze on those close to you.  Don’t take them for granted.  Are you too busy for that?  Let yourself be a human being instead of a human doing. 

10. Don’t wait to change your life – do it today!  Start right now!

You want your life to change?  Don’t wait!  Tomorrow is forever put off, and today is the day to start.  You can empower yourself by using “victor” language instead of “victim” language.  Replace “I should” with “I will”  and “I hate to” with “I don’t like”. The more flexible your self talk, the more you feel empowered and will be proactive.  Proactivity is one of the 7 habits of highly effective people according to Stephen Covey. Those who are proactive are more likely to be masters of their destiny, as opposed to those who are reactive, who allow others to control their moods. Make an action list of things you want to accomplish, and start today!  You do not have to do things all at once, and breaking large goals such as losing weight, can be broken down into little sub-goals.  The important thing is to begin today!
Each day that you choose to remind yourself of these ten skills to hack life rather than let life hack you, you will increase your sense of self-mastery and enjoy life more.

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What Can Software Developers Teach us About Crushing the ‘Perfection Bug’?

Imagine this: Your desk is full of paper and it’s all related to unfinished work. Also, your task list never seems to shrink – instead, it’s growing bigger and bigger. Even if you work hard on your tasks, you have this nagging feeling of incompletion in your head. You also feel that it is impossible to meet your inner critic; you are never satisfied to your results.
You are frustrated and burnt out. And even if that’s not enough, you start to procrastinate on your tasks.
You only wish that you could leave the office at 5PM and spend time with your family. And then you look at the piles of paper on your desk.
It is going to be yet another night spent working.

There is no finish line in sight

Unfortunately, this image is way too common in offices around the world. Most people are overwhelmed by the amount of unfinished work they have.
There are really four reasons why this is happening:
First, it’s because the amount of distractions. They don’t have a chance to work in a focused manner and their work performance slows down.
Secondly, it is because working on too many things (tasks, projects, etc.) at once. When they work like this, they are unable to get anything properly completed.
Third, they don’t have an organized way of handling the workload; they have issues with prioritization and they don’t know what tasks to focus on next. This in turn may be caused by a non-existent day planning.
Now, even if those three previous conditions are met, there is still one thing that causes people to procrastinate and be overwhelmed: It’s the unfinished work and the fact that they are never 100% percent satisfied to the quality of their work.
When they are unsatisfied to their work quality, they keep tweaking and tweaking the results but they are unable to finish anything. This is a sure way to overwhelm their selves and generate unnecessary stress.
It is also a sure way to make other people angry – especially if their performance is dependent on the person who is never capable of finishing his/her part of the task/project.

If it’s not perfect, it is not ready!

Inability to let go of tasks and never finishing them are symptoms of perfectionism.
The fact is that you are never going to satisfy your inner critic because you think that there is yet another tweak that you have to do until you can let go of the task.
What is causing all this?
It’s the underlying fear that is holding you in its arms; the fear that others label you as a failure if you release something imperfect. The fear that you are letting yourself down (and not meeting your standards) if everything is not 100% perfect.
Well, I have some news for you — perfection doesn’t exist!
I admit that in certain circumstances (for e.g. professions) you always have to be striving for perfection, for example when you are an airline pilot or a surgeon.
But in 90% of other cases perfection is not serving you. Instead, it is slowing you down, making you procrastinate and increasing your stress levels.

Let’s talk Scrum

If perfection is slowing you down, help can be found from a surprising source; from the world of agile software development and Scrum.
“Hmm… Scrum? What is Scrum?” you are asking.
Scrum is a software methodology that software developers use and one of its components is “Definition of Done” (DoD). It describes what a development team has to have ready by the end of the development iteration (also known as sprint).
When the team declares something as done, it means that the new functionality is fully tested, documented and could be even put to production.
Even if the DoD is used in context of software development, it can be easily applied to individual productivity needs as well.
Definition of Done describes clearly and explicitly what needs to be achieved until a task can be declared as done. And when you define your “done”, you can get rid of your perfection bug.

What is your definition of done?

Let’s take the concept DoD, simplify it a bit and put it into the context of personal productivity. To create your definition of done, follow these steps:

1. Define a task you want to accomplish
2. Explicitly describe (in written form) what requirements have to be met before it can be called ready
3. Mark a task as checked when it’s ready
4. When all the rows are checked, that particular task is done

Let’s say that you are blogger, you want to define your “done” regarding a new blog post. In that case part of your DoD could look like this:
Writing a blog post:

• Outline a post [checked]
• Write a post [checked]
• Proofread the post [ ]
• Create a compelling headline [ ]
• Find a accompanying picture [ ]
• Schedule the post in WordPress [ ]
• Write an email message to your autoresponder [ ]
• … [ ]

The previous DoD is clearly explaining what has been achieved so far and what still needs to be done.
To make your DoD even more effective, share this with an accountability partner if you have one. This way you can make continuous checks on how you are progressing with your work and if the individual tasks have been accomplished or not.
If you still try to strive for 100% perfection, your partner can remind you of the agreement that you have created (your DoD). This way you are not endlessly wasting your time by making irrelevant tweaks to your tasks.

Conclusion

I have been guilty of striving for perfection and this bad habit has slowed me down on my projects.
However, once I started defining my “done” (in a written form), I was able to see clearly which parts of the project were finished and which still required my attention.
Once the item on the list is checked, it’s done and I can move to the next task or project.
How do you handle perfection?

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3 Diet Hacks to Help You Lose 10 Pounds in 21 Days

Weight loss doesn’t have to be a slow process that takes months on end of bland foods and long, boring workouts. You can safely lose a significant amount of weight in less than a month. This article shows you how. Following the tips in this article will help you lose 10 (or more) pounds in just 21 days. I’m not going to recommend a “miracle” nutritional supplement, expensive workout equipment, or hokey gimmick either. Just 3 things that work, quickly. The weight loss tips in this article are supported by scientific research and don’t require you to buy anything, starve yourself, or do anything that’s dangerous or downright silly. All you have to do is make a few changes to the way you exercise and eat.

1. Stop Doing Hours of Slow, Boring Cardio

Forget about spending hours every day on the treadmill to burn calories. Doing this doesn’t work. Walking at a moderate (brisk) pace will only burn about 295 calories an hour. Do this every day for a week and you won’t lose a pound. The better way to exercise for weight and fat loss is to do interval style resistance training workouts .
Also referred to as circuit training, this style of workout burns twice as many calories. Studies also show that doing some type of resistance training (calisthenics, kettlebells, weights, etc.) is also superior to cardio for burning off fat, especially abdominal fat which hurts your health and hides your 6 pack.
When you workout this way your body will continue to burn calories from your stored body fat for up to 36 hours post-workout. This means you’ll continue to lose weight after your workout is done. These workouts will help you build muscle too which will have you looking better when the weight you want to lose is off.
Circuit style workouts are easy to perform. You can do them barbells, dumbbells, and machines at your gym. One of the best way is to do bodyweight workouts. This is because they can be done anywhere, are really effective, and don’t require any equipment.
When you train this way the key is to choose exercises that train several muscle groups (squats, push ups, pull ups, shoulder presses, etc.). This will make the workout more challenging and burn more calories. Select 4-5 exercises so ensure all of your major muscle groups are being trained. This can include: squats (legs), push ups (chest/shoulders/arms), pull ups (back/biceps), and military press (shoulders).
You’ll perform each exercise one after the other with no rest between sets. Only rest after you’ve performed the last exercise of the circuit. Rest as little as possible between circuits. Do 8-10 reps per set and repeat 3-5 times every workout.
Below is a sample bodyweight exercise circuit training workout for fat loss.

1. Squats
2. Push Ups
3. Burpees
4. Pull Ups

Here’s a circuit workout that can be done with a dumbbell or kettlebell.

1. Two Handed Swings
2. Standing Shoulder Press
3. Squats
4. 1 Arm Rows

If you are just getting started or back into a workout routine give yourself a chance to get used to the intensity of these workouts. Rest as long as you have to between circuits and do as many reps as you can with 10 per exercise being your goal. Stick to it and you’ll be doing these workouts like a pro.

2. Cut the Carbs

This is probably the most important tip to follow. It alone can help you lose 10 or more pounds in 21 days. Eating a low carbohydrate diet turns on the fat loss switch in your body and by getting it to use your stored body fat as energy. You’ll also lose excess water weight too. Best of all you don’t have to obsess over calories or reading labels.
When I write cut the carbs I don’t mean that you have to avoid them entirely. You simply need to limit certain types. Once you lose the weight you can even eat them albeit in limited quantities.
The foods you need to really limit for the next 21 days include processed carbohydrates (bread, cookies, pasta, rice) and simple sugars (candy, fruit juice, and soda). You can pretty much each all of the vegetables you like. Fruits in small amounts are okay too. All in all, your daily carbohydrate quota should not exceed 75 grams. Don’t worry about counting carbohydrates excessively or reading the label for every food you eat. Instead follow this simple tip, if it’s white or comes in a bag or box don’t eat it and you’re most likely eating the right amount. If you do want to count carbohydrates, use one of the many websites or apps that does the counting for you. I recommend reading this Lifehack article for more great tips to eliminate grains from your diet.
In addition to limiting certain types of carbohydrates, the next thing you need to make sure of is that you eat plenty of protein and healthy fats. High protein foods you should eat at every meal include eggs, fish, pork, and red meat. You do not have to count grams of protein either. Just make sure the protein you eat is about the size of the palm of your hand at every meal and you’ll be on track to get enough every day. Last but not least, eat plenty of fat at every meal. You’ll stay full longer between meals. Fat also makes your food taste better too. Limit corn and other vegetable oils and instead make sure you get your fat from avocados, coconut, and olive oil. Almonds and macadamia nuts are also good sources of healthy fats.

3. Ditch Diet Soda and Drink Lemon Water Instead

I know, diet sodas don’t have calories and taste good. The way their bubbles make your mouth tingle feels great too. Unfortunately, they can kill your weight loss progress. Studies show that drinking diet soda can actually make you eat more and gain weight. Scientists believe this is because the artificial sweeteners in these drinks send signals to your brain that make you want to eat, even if you’re not hungry.
Instead of drinking diet soda I suggest you drink cold lemon water. Doing so has many benefits. You’ll feel full longer between meals and because of the lemon juice in the water you’re body will digest food slower and can even help keep your energy levels stable. One study shows drinking cold water can help you burn more calories too.
Drinking your water before you eat may also help you eat less at every meal.

Conclusion

Make these 3 tips part of your life for 21 days and you’ll easily lose 10 pounds. More important, they will become habits that you follow for the days, weeks, and months to follow. Then you’ll really reap their benefits that go beyond weight loss to healthier, stronger, more energetic you!
Sources: (1) Fowler SP, Williams K, Resendez RG, Hunt KJ, Hazuda HP, Stern MP. Fueling the obesity epidemic? Artificially sweetened beverage use and long-term weight gain. Obesity (Silver Spring). 2008 Aug;16(8):1894-900. (2) Ostman E, Granfeldt Y, Persson L, Björck I. Vinegar supplementation lowers glucose and insulin responses and increases satiety after a bread meal in healthy

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How to Fly First Class for Free

There’s a way for you to fly first class for free over and over again.

The best part? It doesn’t require incredible negotiation skills or dumb luck. Anyone can do it.
Let me tell you everything you need to know so you can decide if this powerful travel strategy is right for you.

How to Fly for Free

A few years back, I started searching for the best ways to travel for cheap. I wanted to get out and see the world … or at least the United States.
What I ended up finding were a small group of people that were booking free flights over and over again with a strategy that was the complete opposite of what most people do.
You see, most people know that you can book a free flight by using frequent flyer miles. And if you have enough frequent flyer miles, then you can even fly first class for free. Of course, the only problem is that it’s really hard to accumulate a lot of miles by flying.
Luckily, there is a way to get hundreds of thousands of frequent flyer miles without flying at all.
This travel strategy is a special process called “credit card churning” and here’s how it works…
The credit card industry is extremely competitive. As a result, many credit card companies are willing to offer you huge frequent flyer mile bonuses if you sign up for their card.
This strategy works so well for getting frequent flyer miles that a group of people called credit card “churners” have used it to earn more than 1 million frequent flyer miles in a year. They apply for card after card and churn through as many applications as possible. Then, they spend the minimum amount needed to get the bonus (for example, $1,000 in 3 months) and move on to the next card. Some people routinely have over 15 credit cards on rotation!
The good news is that credit card bonuses work just as well for normal people like you and me. By simply getting 1 or 2 new cards, you can get enough frequent flyer miles for multiple round–trip flights.
There is no need to go crazy and get 15+ new cards. Of course, if you did, then you could literally earn enough miles to fly around the world multiple times.
Regardless of how many cards you’re comfortable with getting, these frequent flyer mile bonuses are the best way to fly for free because you can use frequent flyer miles to book flights anywhere and at anytime. For example, I used frequent flyer miles to book a free flight to Costa Rica last December, which is during the “high season” down there.

Where to Get Started

Many credit card churners get their information from a variety of blogs, forums, and websites. Thankfully, there are services that can do all of that research for you.
A great one to start with is The Credit Card Fly. It’s a free email newsletter that sends you a short weekly update of the best credit card deals for earning frequent flyer miles, free hotel stays, and rewards points.
Once you know the deals to apply for, the 3–step process looks like this:

1. Apply for a new credit card that has a big frequent flyer mile bonus.
2. If necessary, spend the minimum amount to get the bonus. Many cards have no spending requirement.
3. Redeem your miles and fly anywhere.

Does this Hurt Your Credit Score?

Applying for new credit cards actually helps your score in one way and hurts it in another. Let me explain…
When you apply for a new credit card there is an inquiry on your account. New credit inquiries usually drop your score by a few points, but new inquiries only make up 10% of your overall credit score so the drop is small.
On the flip side, when you get a new credit card this also increases your overall credit limit and this will probably help your credit utilization ratio.
For example, let’s say that before your new card you were spending $2,000 and your total credit limit was $10,000. In this case, your credit utilization ratio was 20% ($2,000/$10,000). Then you get a new card and let’s say your credit limit raises to $15,000. Remember, your spending habits should be about the same because you’re only spending the minimum needed to get your frequent flyer miles. So now your credit utilization ratio is only 13% ($2,000/$15,000).
This is a good thing. A lower credit utilization ratio helps your credit score. For this reason, many credit card churners actually see their score increase over time. Many churners have 10 or more credit cards and still hold excellent credit scores in the 780 to 800 range.

How to Know if This Will Work for You

As a rule of thumb, your credit score should be 700 or above if you’re thinking about following this credit card travel rewards strategy.
And if you’re planning on applying for a bunch of cards to get tons of frequent flyer miles, then you should probably have a credit score above 720.
No matter what your score is, this strategy will only work if you pay your balance in full each month and carry no debt on your new cards. It doesn’t matter how good your history is, if you get a new credit card and start piling on debt, then your credit score will suffer and this travel strategy is useless.
If you have the discipline to pay your balance in full each month, then you’re ready to hit the skies.

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How to Get a Smartphone Without Paying for an Expensive Data Plan

The phone carriers have figured out many ways to lock people into monthly plans that they don’t really need. The most basic example of this is the requirement on all the large carriers to pay at least $30 / month for a data plan for the right to use a smartphone on their network. This isn’t connected with their subsidy of your phone since they won’t even let you buy your own smartphone on eBay and then use it without a data plan. They justify this by saying people will need to use up large amounts of data anyways on their phone, so it is for the customers own good that they’re forced onto a data plan. Is there any reason to think otherwise? There are some possible reasons why someone might want a smartphone without a data plan. For one, a smartphone is a powerful mini-computer, and people might want to have access to one, even without a constant Internet connection. One can take notes and set reminders, take pictures, and read books, listen to music and play games on a smartphone. Since the phone can sync when in a WiFi area, one can see recent news articles, emails and driving directions even when outside of a wireless area. In fact, since WiFi is so widespread, people often have little need for the data plan since the WiFi access is almost always better. Is it really necessary to have a constant internet connection even during the short amount of time one is away from WiFi? I think there are many people who would be willing to slightly disconnect for short moments during a day, even if it means the phone carriers would be earning $30 less a month. But are there any ways to avoid these fees and still get a smartphone when the carriers are in control?
There are a few possibilities. One option would be to forgo having only one pocket device and get a “dumb” phone for phone calls and a separate “mini-computing” device for everything else. This other device could be an iPod touch, a Galaxy player or a used smartphone. (See this post for an older possibility). If one doesn’t need the very latest technology, there many cheap used smartphones available on eBay. However, it becomes somewhat annoying to have to always juggle two devices. There’s fair amount of overlap between them, so it just seems very inefficient to have to carry two of them. If one is on a GSM plan such as AT&T and T-Mobile, one can buy an unlocked smartphone separate from the carrier and try to use it on the regular plan simply by putting in the SIM card from the dumb phone. However, this may go against the terms of the carrier. In addition, if AT&T can detect it is being used in a smartphone, it will automatically add a data plan to the person’s account. Currently one can avoid detection by making sure the smartphone wasn’t made for AT&T, but even that option might not last forever.
The final possibility is to get a prepaid plan. If you don’t need that many voice minutes, this can be much cheaper than standard monthly plans. The big four carriers all offer some form of prepaid plans, but to get bigger savings you will need to look elsewhere. Some of the biggest prepaid providers are TracFone, MetroPCS and Cricket Wireless. The most important factor is that the provider has good cellular coverage in your area, so make sure to check their coverage map. The next thing to check will be the cost of the plan, of using limited data, and whether they charge more for smartphone usage. If you are on a GSM carrier, you will often be able to put the SIM card in any smartphone that you buy. If you are on a CMDA carrier (like Sprint and Verizon), you will need to buy a phone that is compatible with them and activate it with them. Depending on your needs, you may want to try some very cheap prepaid options. For example, PagePlus, which runs on the Verizon network (and is owned by them), offers a $12 /month plan. Another super-cheap option is PlatinumTel, which runs on the Sprint network.
To save on your paid usage, you could use free or cheap services for calls and texts when in a WiFi area. For example, Google Voice provides free texting from within WiFi and there are many different VOIP providers you could try. By picking a good prepaid provider, you should be able to save a significant amount every month on cell phone bills.

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