Ways to Turn Your Money into More Money

When you’re sitting on your savings, your wealth is growing only as fast as you can save. Worse yet, every dollar and cent of your savings is losing value thanks to inflation. You need a better solution: You need to earn interest. You need to use your money to make money. Here are four ways to do that.

Buy a house

If you’re paying rent, you have an expense that is not helping you much in any meaningful sense. Sure, you need a roof over your head, but it would be much better to own that roof (and, you know, the whole house under it). If you buy your home, you’ll still pay something every month, but you’ll also be the owner of a very valuable asset.

And that asset could actually grow in value. Over time, homes of distinction can be worth more and more. If and when you sell your home, you may find that the money you spent on it has created more money for you.

Buy stocks

Budgeting and saving are important, but they won’t help you generate much real wealth on their own. To really get rich, you need interest. And to get maximum interest, you need to do more than just stash your money in a savings account. You need to invest.

Stocks are the obvious choice. Stocks are shares in companies, and they can increase in value over time and be sold and traded. As a beginning investor, you may want to be a bit careful: Aim for a diverse portfolio (a simple path to diversity is to invest in funds, such as exchange-traded funds and mutual funds that hold lots of stocks within them) and minimize risk.

Once you’re comfortable with your nest egg, you may want to take some spare cash and make bigger and riskier moves. That could mean targeting riskier stocks, or it could mean opting for other forms of investment entirely.

Invest in bonds, commodities, or currency

When it comes to investments, stocks are the obvious example. But, of course, there are far more things that you could be investing in. Take real estate, for instance, or bonds. And then there’s currency, which you can bet on simply by converting your money to the currency that you think will increase in value (relative, of course, to the U.S. dollar and other currencies). Like stocks, these investments can be as risky or safe as your strategy. The complexity of some of these markets does, however, tend to attract more daring investors.

Currency is a particularly exciting place to invest right now because of cryptocurrencies, which are digital currencies made possible by blockchain technology. Be careful, though, because cryptocurrencies have been quite the wild ride of late. The potential for huge gains is there, but so is the potential for damaging drops in value.

The best cryptocurrency to invest in is the one that you can afford. Cryptocurrencies should be a growth area for you, not a retirement plan. But if you use them right, and bet on the right cryptocurrencies in the long term, you could get a very nice boost to your wealth sometime down the line.

Invest in your education or business

There are a few powerful ways to turn your money into more money in very direct and immediate ways. But there are always ways of reinvesting your money in the person who got you this far — yourself.

You work hard to earn your money, but maximizing your effort isn’t the only way to maximize your earning power. You can and should also improve your earning power by growing your resume or your business. Consider using the money you’ve earned to invest in a course that will award you with new certifications and resume items, or take the money you’ve made and use it to expand the business you run. Eventually, more money could come back to you in the form of increased earnings.

Mamma’s Moon Book Tour & Giveaway

Mamma’s Moon The Hoodoo of Peckerwood Finch by Jerome Mark Antil Genre: Thriller

“Jerome Mark Antil’s Mamma’s Moon does for Acadiana what Truman Capote did for Tiffany’s or Tennessee Williams did for streetcars. This is a novel about a lot of things, including sex, crime, life, and death. But most of all, it’s a novel about hope and about love. Mamma’s Moon gives the reader a dramatic and insightful glimpse into the very special world of today’s Louisiana French Acadians, whose early tragic history was immortalized by Henry Wadsworth Longfellow in his classic poem, Evangeline, even before the heartless bayou’s more contemporary history was buried deep and forgotten.” Tom Hyman (LA Times bestselling author: writer for LIFEmagazine, The Saturday Evening Post , Argosy, Washington Post Book World and New York Magazine.) This novel, Mamma’s Moon, is a sequel to the novel, One More Last Dance. It stands alone as an entirely self-contained story, but for those of you who may not have read the earlier novel, I include here a brief description of the main characters and of the events that preceded this story. A bond that can only happen on a dance floor happened in a cafe off Frenchman Street among four unlikely characters: a man who was about to die; his friend, an illiterate Cajun French yardman; and two of the most successful women in New Orleans. Aging Captain Gabriel Jordan, retired, was given two months to live, three months before he met “Peck”–Boudreau Clemont Finch–a groundskeeper on the back lawn of his hospice on Bayou Carencro, Louisiana. It was at the hospice that Gabe told Peck his dream of seeing the Newport Jazz Festival before he died. They became friends, and Peck offered to help grant his wish by taking him there. And they began their journey. It quickly became a journey with complications and setbacks. They saved each other many times, but they were in turn saved by two extraordinary women: Sasha (Michelle Lissette), a real estate agent in New Orleans’s posh Garden District, and her best friend, Lily Cup (Lily Cup Lorelei Tarleton), a criminal attorney. Less than a year before the events in Mamma’s Moon, Gabe and Peck wandered into Charlie’s Blue Note, a small jazz bar in a side alley just off Frenchman Street, where the music was live and mellow and the dancing warm and sensual. Here they encountered Sasha and Lily Cup, and amid the music, the dancing, the food, the flirting, and the cigar smoke, the four formed an unusual and lasting friendship that would see them each through a series of crises, disappointments, life-threatening situations, and moments of great joy and satisfaction. Add to GoodreadsAmazon * B&N

JEROME MARK ANTIL writes in several genres. He has been called a “greatest generation’s Mark Twain,” a “write what you know Ernest Hemingway,” and “a sensitive Henry Wadsworth Longfellow.” It’s been said his work reads like a Norman Rockwell painting. Among his writing accomplishments, several titles in his The Pompey Hollow Book Club historical fiction series about growing up in the shadows of WWII have been honored. An ‘Authors and Writers’ Book of the Year Award and ‘Writer of the Year’ at Syracuse University for The Pompey Hollow Book Club novel; Hemingway, Three Angels, and Me, won SILVER in the UK as second-best novel. Foreword’s Book of the Year Finalist for The Book of Charlie – historical fiction and The Long Stem is in the Lobby – nonfiction humor. Library Journal selected Hemingway, Three Angels and Me for best reads during Black History Month. Before picking up the pen, Antil spent his professional career writing and marketing for the business world. In this role, he lectured at universities – Cornell, St. Edward’s, and Southern Methodist. His inspirations have been John Steinbeck, Mark Twain, and Ernest Hemingway. Website * Amazon * Goodreads

Chapter 2 Good Morning, Murder

Bonjour, meurtre

id you murder the kid, Gabe?” Lily Cup asked. The aging army captain, veteran of Korea and
Vietnam, lowered his newspaper just enough to see over the entertainment page.
“Close the door, honey, AC’s on,” Gabe said.
In a tight, black skirt with a tailored matching waistcoat and white Nike walking shoes, she
leaned and propped a black leather briefcase against the wall by the door. She stood like an
exasperated tomboy, adjusting and refastening the diamond brooch on her lapel.
“I heard you’ve been walking with a cane, dancing man. What’s that all about? You’ve never
carried a cane. You jazz dance for hours a couple of nights a week and Sasha tells me you started
carrying one everywhere you go when you don’t need one. It’s smelling pretty premeditated to me,
Gabe. What’s up with the cane thing?”
“Does Sasha know about this morning?”
“I haven’t told her anything. She’d have a canary.”
Gabe lifted the paper again to read.
“I need to know if it was murder,” Lily Cup said.
“I don’t want to talk about it,” Gabe said.
He closed the paper, folded it in half, and in half again. Dropping it on the arm of the chair, he
stood and left the room.
“Define murder,” he said from the kitchen.

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Pamela Barnes Acoustic Mysteries Book Tour & Giveaway

Sounds of Murder Pamela Barnes Acoustic Mysteries Book 1 by Patricia Rockwell Genre: Cozy Mystery

SOUNDS OF MURDER tells a tale of academic intrigue and death. At Grace University, a small southern college, no one in the Psychology Department likes Charlotte Clark, so no one is particularly upset when she is found murdered in the department’s million-dollar computer lab. But because she discovered the body, Associate Professor Pamela Barnes feels obligated to find Charlotte’s killer. When she discovers a recording of the murder that was accidentally produced during Charlotte’s struggle with the killer, she begins her own investigation. Along the way, Pamela agonizes with her own conscience as she fights her growing fear. She attempts to understand her mysterious Department Chair, keep her curious colleagues informed, placate her protective husband, and avoid antagonizing a local rube detective who belittles her efforts–all while she struggles to make sense of the sounds on the recording. As she gets deeper and deeper into her analysis—trying to connect what she hears in the recording with sounds from people (and potential killers) around her–she gets closer and closer to the killer. However, the killer is observing Pamela’s efforts and resolving to stop her. **Only 99 cents**Goodreads * Amazon

FM For Murder Pamela Barnes Acoustic Mysteries Book 2

Who shot the disk jockey while he was on air? No one saw the killer, but many heard the murder on the radio. Local police are mystified and ask Psychology professor and acoustics expert Pamela Barnes to assist them in investigating the crime. Can she determine who shot the deejay just by listening to the radio station’s audio recording of the killing? And how does this crime connect to the impending death of a wealthy carpet manufacturer hundreds of miles away? And the driven behavior of his conscientious son who hides a very important secret? Unknown to Pamela, another thread of this strange mystery is about to unravel. Will she be able to solve it before another victim is claimed? In FM FOR MURDER, the second in Patricia Rockwell’s acoustic mystery series, we follow feisty amateur sleuth Pamela Barnes who doesn’t let academic duties prevent her from fighting crime. And Pamela fights crime with the tools she knows best—sound waves. Goodreads * Amazon

Voice Mail Murder Pamela Barnes Acoustic Mysteries Book 3

Sex! Knives! Voice Mail Messages! Who stabbed the philandering football coach in the back? Was it one of the three women who left romantic voice mail messages on the cell phone found next to his body in the motel room? The police don’t have a clue. None of the coach’s family, friends, or colleagues recognize the voices of the unidentified women–and probable mistresses. Who could they be? This sounds like a case for Pamela Barnes, local Psychology professor, acoustics expert, and sometimes amateur sleuth. Can she identify the three women (and potential murder suspects) from just the sound of their voices on the voice mail? Who are these mystery women and how did the popular coach manage to conduct affairs with all of them unbeknownst to everyone around him? And how did he keep his trio of lovers from finding out about each other—or did he? It’s a tangled romantic web that ultimately led to murder and Pamela Barnes is determined to figure it out. Goodreads * Amazon

Stump Speech Murder Pamela Barnes Acoustic Mysteries Book 4

James Grant, a young politician with everything going for him, including the most recent polls, gives a rousing stump speech in a local park. His campaign for mayor against the entrenched incumbent looks unstoppable. That is, until the police discover him standing over his wife’s dead body with the murder weapon in his hands. It certainly looks as if James is guilty. But psychologist and acoustics expert Pamela Barnes has other ideas–and they include helping this young man prove his innocence and succeed in his bid for mayor. Can Pamela’s knowledge of sound help her find the real killer and exonerate James? Or will this young politician’s most recent stump speech be his last? Goodreads * Amazon

Murder in the Round Pamela Barnes Acoustic Mysteries Book 5

A night out with her husband to watch her best friend perform in a local community theater “in-the-round” production surely shouldn’t be cause for amateur sleuth Pamela Barnes to use any of her acoustic detecting skills. But when one of the actresses collapses on stage and dies, Pamela finds herself in the thick of things. The recorder in her purse making an audio copy of the performance for another friend who couldn’t attend, may now prove important when it’s determined that the victim was poisoned. Do the sounds on the recording hold any clues to the identity of the murderer? It looks like Pamela is on the sound trail again, and she––and her pals in the Pyschology Department at Grace University––will not stop until they find the person who committed this murder in the round. Goodreads * Amazon

Patricia Rockwell is the author of the Pamela Barnes acoustic mystery series. This amateur sleuth solves crimes using her knowledge of sound. The series includes SOUNDS OF MURDER, FM FOR MURDER, VOICE MAIL MURDER, STUMP SPEECH MURDER, and MURDER IN THE ROUND. Her new series, Essie Cobb senior sleuth, features a 90-year-old assisted living facility resident who solves mysteries. The books in this series include BINGOED, PAPOOSED, VALENTINED, and GHOSTED. FIRECRACKERED, the fifth in the series, will launch on June 25, 2016. Dr. Rockwell has spent most of her life teaching. From small liberal arts colleges to large regional research universities–and even a brief stint in a high school, her background in education is extensive. She has taught virtually everything related to Communication–from a fine arts speech-theatre orientation to more recently a social science research approach. Her Bachelors’ and Masters’ degrees are from the University of Nebraska in Speech and her Ph.D. is from the University of Arizona in Communication. She was on the faculty at the University of Louisiana at Lafayette for thirteen years, retiring in 2007. Her publications are extensive, with over 20 peer-reviewed articles in scholarly journals, several textbooks, and a research book on her major interest area of sarcasm, published by Edwin Mellen Press. In addition to publications, she has presented numerous papers at academic conferences and served for eight years as Editor of the Louisiana Communication Journal. Her research focuses primarily on several areas of communication: deception, sarcasm, and vocal cues. She is presently living in Aurora, Illinois, with her husband Milt, also a retired educator. The couple has two adult children. Website * Facebook * Twitter * Amazon * Goodreads

EXCERPT from FM FOR MURDER
Book #2 in the Pamela Barnes Acoustic Mysteries
“Okay, folks out there in radio land, that was Calliope’s Doom with their new song, ‘Cursed Bones.’
Their newest tune, following closely on the heels of their first big, success—‘Entrails of Love.’ This is
Black Vulture with the best of death and dying, torture and blood. The most alternative of alternative rock
for those of you who have nothing better to do on a Saturday night. Make that Sunday morning now here
at KRDN, 933 on your FM radio dial. Just a few minutes after midnight. And for those of you crazy
enough to stick with me until 4 a.m. (or should I say, those of you, without anything more interesting to
do), I’ll be playing a host of your favorite songs from some of the best alternative bands in the country.
For example, there’s a new CD I just got in from one of my favorite new bands—Ochre Fugue. As you
know, Ochre Fugue recently played locally to a packed crowd at the Blue Poppy in downtown Reardon.
That was a gig, wasn’t it? Obviously, they have lots of fans here in our little berg. I was lucky enough to
get to interview Jake Millet with the band. I know, I know; you’re all jealous. Well, eat my liver. Getting
to interview bands is one of the perks—one of the very few—of my job here at KRDN. Believe me, I
don’t work here for the pay (hope the station manager isn’t listening).
Ah, shoot! Gotta do a commercial now. This one is for—hmm, let’s see—Avery’s Auto Repair on
South Jackson. Let me try to read this with some energy: ‘Hey, guys (and ladies), Avery’s will fix your
wheels for a fair price’—and let’s face it—most of us don’t have new cars so we probably need a fix-up
more often than not, right? But, ‘the Avery brothers have been in Reardon for—ever. Simple, honest,
repair work. They don’t have a fancy location or building, but they do good work. So, check ‘em out.’
And I’d add to that–especially you students. I mean, Christmas break’s coming up in a week or two and if
you’re planning on driving home to visit Mommy and Poppy you’d better be sure your wheels will make
the trip. And you’d better be sure you arrive wearing clean clothes too; parents like that that sort of thing.
So I hear.
Okay, now, as I said before, I’m going to be playing a track from Ochre Fugue’s new CD. In just a
minute. What are you waiting for, right? I first heard this group in the Big Easy, several years ago. I was
makin’ the rounds of the clubs and ran across this band at a vampire underground party. What a sound
they have. Dark. Scary. Like blood, you know, from the coffin. Makes you cringe all over. The bass
player has a great get-up. I’d describe ‘em in more appropriate language if it weren’t for the FCC
breathin’ down my neck. You know what I’d like to say, though, don’t you? All two of you. Don’t
expect there’s too many fans listening in after midnight on a Saturday—unless you’re a real loser. Like
me. Still working on your graduate degree after six years. Right?
Anyway, I got the Ochre Fugue disc prepped for you. Let’s see, which track should I play? Oh, wait.
Just heard a car pull up outside the studio. Looks like I’ve got a visitor. Well, what do you know! That
hardly ever happens this far out in the boonies—especially this late. Well, that’ll be su—per! I get bored
all alone out here at the studio all night long—deejaying and doing all my own tech work. If any of you
guys ever want to drop in and visit—great. Just come on by—if you can find it. Okay, here he comes in
the door now. Hey, maybe it’s a she—better yet! My lucky night!
Oh, hi! Come on in! I’m Theodore Ballard—Black Vulture to my fans. You a fan of alternative rock?
What the? Hey, that’s a gun! What do you need a gun for? Why’re you pointin’ it at me? Wha––? No!
No!”

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FREE Babyganics Sunscreen After Cash Back

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No Angels For Christmas Book Tour & Giveaway

No Angels for Christmas The Mystery Angel Romance Series Book 2 by Petie McCarty Genre: Cozy Mystery, Romantic Suspense

No Angels for Christmas. . . a cozy romantic mystery with suspense from The Mystery Angel Romances series. An angel hidden in every book waiting for you to figure out the angel’s identity . . . Child psychologist Rachel Kelly isn’t quite sure how to handle the situation with her newest client—a six-year-old boy who says he can talk to angels and one is coming to help Rachel. She already has her hands full of trouble this Christmas season, and things quickly take a turn for the worse when a stalker crashes Rachel’s Christmas party and takes her young clients hostage. Police negotiator, Lt. Jake Dillon, walked away from his fiancée Rachel when she suddenly balked at having kids. His kids. Yet when the hostage crisis erupts, Rachel calls Jake first. Now he has a choice to make—stand back and wait for the cavalry to save Rachel or step in and try to save her himself. Time is running out, and Jake may be their only chance for rescue. Unless Rachel’s little angel-spying client is telling the truth… Goodreads * Amazon

No Cowboys No Angels The Mystery Angel Romances Book 1

Kellen Brand’s inheritance turns out to be a whopper—one dilapidated farm in West Virginia and one guardian angel! Since Kellen is convinced no sane woman would choose to live in Riverside, she vows to sell her farm and quick. Her handsome neighbor Luke Kenyon must block the farm sale or risk exposure of his family’s secrets. While Kellen has located one potential buyer, she faces a town full of objectors. Someone is trying to frighten her off, and Luke is forced to step in and rescue her more than once. Unfortunately, Kellen can’t seem to stay out of trouble. She stumbles onto a clandestine hazardous-waste-dumping operation next to her farm, and she prays Luke has one more rescue up his sleeve. It’s her only hope of staying alive. Unless her mother really did leave her a guardian angel . . Goodreads * Amazon

Petie spent a large part of her career working at Walt Disney World — “The Most Magical Place on Earth” — where she enjoyed working in the land of fairy tales by day and creating her own romantic fairy tales by night, including her new series, The Cinderella Romances. She eventually said good-bye to her “day” job to write her stories full-time. These days Petie spends her time writing sequels to her regency time travel series, Lords in Time, and her cozy-mystery-with-a-dash-of-romantic-suspense series, the Mystery Angel Romances. Petie shares her home on the Cumberland Plateau in Tennessee with her horticulturist husband, a spoiled-rotten English Springer spaniel addicted to pimento-stuffed green olives, and a noisy Nanday conure named Sassy who made a cameo appearance in Angel to the Rescue. Website * Facebook * Twitter * Pinterest * Amazon * Goodreads

“Jake, I came by to see you because of the Buckhead crisis.”
“I figured as much.”
Rachel could’ve sworn he looked disappointed for a fleeting moment. That gave her the
courage to go on. “To offer my shoulder—”
“To cry on?” he sneered.
“No! To lean on. Please don’t be ugly.”
“I can’t help it. You broke us up.”
Incredulous, she gaped at him. “Me! Must I keep reminding you? You left me.”
He closed the distance between them, so close she could feel his body heat.
“You let me leave,” he said gruffly.
“I didn’t—”
“You let me leave,” he repeated, his face but inches away.
His unique Jake scent wafted over her. She wanted to smother in it. She wanted . . .
“I didn’t want you to go,” she whispered.
He caught her to him in a fierce embrace. No gentle kiss this. It spoke of need and anger
and desperation. His. Hers. She didn’t know for sure. Didn’t care. She wanted to cry from the
relief of having his arms around her again.
She knuckled her fists into his warm tee shirt and tried to yank him closer, but the shirt
was old and stretched unmercifully. His lips smiled against hers as he grabbed a breath and then
kissed her again, his tongue sweeping in to tangle with hers.
She could die from his wonderful familiar taste. She savored, remembered, stored for
later. Giving up on the shirt, she wound her arms around his neck to tug him closer, to pull him
into her if she could.
Suddenly, his hands at her hips pressed her back, and she shamelessly hung on tighter. He
reached up and worked her hands free, then kissed each one.
His eyes had gone black. No doubt a reflection of hers.
“Like coming home, isn’t it?” he rasped, his voice so hoarse it came out as a whisper.

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