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When you’re running an online business or startup there is noexcuse for being unorganised. There are thousands of online tools tohelp you gain control of your virtual business and life.But isn’t that half the problem? There areso many tools for this, that and the other,that frankly, you end up feeling overwhelmed.Here are my top 24 must-have tools to run your online businesssmoothly. These are the crème de la crème ofmust-have essentials. They will simplify your life, help youcreate great content and overcome those tech headaches that we all get…Simplify Your Life1 Organise your business.One thing I learnt early on in business was to create processdocuments for tasks that I do over and over again. I started using Googledocs, which are OK, but then I discovered Asana (https://asana.com/) and have not lookedback. I love this simple, neat and clear tool for getting organized myself – and sharing projects and tasks with team members. Free until you add teammembers.2 Achieve your weekly goalsI’ll let you into a secret. The wallpaper on my iPhone ‘lock’ screen is my weekly three-point priority goal list. This is my way of ensuring that I see my three most important goals for the week – a gazillion times a day. There is literally no getting away from itWith wordswag (http://wordswag.co/) app on your phone you can create awesome text in seconds for just $3.99. Then simply save the image as your wallpaper.3 Remember everything.Evernote solves the problem of finding some awesome blog post, app or tool and needing to file it somewhere to refer back to.I use it to keep all my kids school activities and clubs in one place, I keep all my invoices filed here and things like a swipe file for brilliant examples of online sales pages or opt in incentives which you can clip from inside the web page (genius feature!).Every note in Evernote is searchable (even pdfs) and I’ve used it to share note with clients too. I could not do without Evernote premium ($45 per year) but you can start with the free version.4 Recruit great virtual staffOne of the biggest problems many of us face is with unreliablestaff, assistants suddenly disappearing, being flakey or just not followinginstructions correctly. I’ve recruited five virtual assistants in the last fewyears and they have all been exceptional and cost less than $15 per hour.I’ve sourced an SEO expert in the Philippines, an adwords specialist in India, two copywriters both in USA and a social media assistant also in the Philippines.I’ve used Upwork (Upwork, the world's largest online workplace), Elance and Odesk (now all upwork) for every one and cannot recommend them enough5 Be effective with your timeNeed to start taking control of your time? Then install the free Rescue Time app (Time management software for staying productive and happy in the modern workplace). It keeps track of which apps and websites you send time on so you get an accurate (often surprising) idea of where your day goes. I love the weekly summary email that helps me to stay on track of my goals.6 Schedule content for your social feedsWant to share a page you're reading? Or schedule your posts for later in the dayor week? Buffer (Buffer - A Smarter Way to Share on Social Media) does all this brilliantly. Use the browser extension to ‘buffer’ any content you’ve found online and it will use a smart schedule to post it out at the best times for you.7 Stop wasting time on FacebookEver sat down to do something, got a Facebook notification,just had a quick check then looked up 40minutes later thinking “shit, what was I doing?”Me too. Until I downloaded this little free extension for chrome. It killsthe newsfeed (https://chrome.google.com/webstore/detail/kill-news-feed/hjobfcedfgohjkaieocljfcppjbkglfd) so you can’t get distracted. Problemsolved.Creating content8 and 9 Quickly find relevant content for your social networks.One of my major bugbears of running an online business is the amount of time I spend on Facebook, Pinterest, Twitter, LinkedIn and industry news websites, searching for interesting topical content to share with my audience.Drumup (http://drumup.io/) makes this easy. I use it to discover content and curate it myself using the free plan, but you can schedule posts for your feeds aswell.There is another nifty app that allows you to see top newsstories from your friends. Nuzzle (http://nuzzel.com/)is my second favourite for curating social content. I’ve used this consistently after discovering it from Gary Vanerchuck and still use it to fill up my social content scheduler.10 Easily create stunning graphics for your blog.I honestly don’t know what I would do without Canva (Amazingly Simple Graphic Design Software). If you have a website, or a social media page (and are not a designer) you’ll know how frustrating it is trying to create email headers, blog post images, ebook covers, social media posts or page headers. Even creating Facebook ad images are a synch with Canva.I upgraded to Canva for work because I use it so much and wanted to have my‘brand-kit’ built in. You can use the free version for most things. Truly amust-have.11 Quickly find free stock photosSearching for good free images for use on my blog = Bain ofmy life. I used to spend forever looking in 7-10 different places for images. Until I discovered Zoomyapp (https://zoommyapp.com/).This is the only place I search now when I need to source an image. There are more than 18000 photos licensed under Creative Commons Zero from 30 different sources. The search function isn’t’ great but having them all in one app saves lots of time.($3.99)12 Get colors from any imageOK I admit this is not a ‘must-have’ online tool – but it issuch a cool little thing that I had to include it. If you’re creating an image and want to find out the hexcode of certain colours then upload the image into this nifty tooland it will tell you exactly what the hexcode is. Get Colors from Image13 Create beautiful in-situ imagesWhen I created my first ebook I agonized over the design ofthe front cover – and wanted to create an amazing graphic so that it felt likea major piece of content. Placeit (Free iPhone Mockup Generator & App Demo Videos by Placeit )allows you to create truly beautiful in-situ images of your website, app, book or even video.14 Improve your SEOIf you’re creating content regularly then you should beresearching which keywords to target on your blog. This tool will help you quickly find words and phrases your audience are searching for.Keyword Tool: 750+ Google Keyword Suggestions for Free. Use 192 Google Domains & 83 Languages (http://keywordtool.io/)is easy and simple to use (instead of the better but more complicated Googlekeyword tool) and gives you keywords for Google, Bing, YouTube, Amazon and theApp Store.15 Find out what content gets most attention onlineHow do you research what to write about on your blog? A great way of finding topics that people want to read about is by searching for what others have written aboutalready. With Buzzsumo (BuzzSumo: Find the Most Shared Content and Key Influencers) you can find what content performs the best defined by how often it’s shared. So you can quickly see what is working well in an industry. A must-have tool if you are blogging.16 Create Irresistible Headlines (for non-copywriters)Do you ever get stuck figuring out what to call your latestblog post or ebook? I know how hard it is to come up with thatattention-grabbing headline, and I know just how important it is to get peopleto click on your link. So I always run my draft headlines through the Headline Generator.This tool is the secret to generating click-worthy headlines every time, and it’s free – The Headline Generator (http://imhv.com/headlinegenerator.php)Just enter the info about your post, your product, your market etc. and it magically generates effective attention-grabbing headlines that convert for you.17 Sharpen your writing skills (for non-copywriters)I’ve always known my skills lie outside of writing copy. Granted I can get the message across usually, but I’m nowhere near ‘good copywriter’ status. Shame. So I rely on this tool to help me make my copy clear and bold.Hemingwayapp (http://www.hemingwayapp.com/) is a brilliant free app, which improves the readability of your copy. Simply paste your copy into the website and it will highlight long, complex sentences and common errors.18 Map out and optimise your sales funnelConfused by what step to create next in your salesfunnel? Which comes first, your emailsequence or your ‘thank-you’ page? Thereis a tool thatLets you map out every step of your funnel in a horizontallayout. So you can see your usersjourney page by page. I use Gingko app (Gingko App )to map out brilliant sales funnels that I want to ‘swipe’ too (Shhhhhh).Tech solutions19 Get Website Peace of mindWill you get hacked? How do you keep your site bug-free?Will your site load quickly enough for people to stick around? Are your meta descriptions loaded and the correct length? Have you linked your social profiles to your website?These are just a few of the ‘website issues’ that you can forget about if you use wpcurve (http://www.fionaflintham.com/wpcurve). They are a Word Press support service where you get unlimited small fixes, 24/7 world wide, same day turnaround from $69 per month. I cannot recommend them enough. They are proactive, highlyefficient and worth every cent.20 Find your files on any deviceIf you want to be able to find any file or document on anyof your devices then Dropbox (Dropbox) is a must. It keeps them all synched seamlessly and safe in the cloud.You can use it for free or with the pro account you get 1 TB(1,000 GB) of storage and powerful sharing features for $99 per year. I use it to share files with clients and collaborate on projects.21 Make fillable pdf filesEver spent ages fiddling around with your PDF files andstill not figured out how to get the hyperlinks working? Or want to make your checklist ‘fillable’ so that your customers can fill out the sheet? Here’s the perfect solution.PDFescape (https://www.pdfescape.com/) will save youtime, make your ebook or cheatsheet insanely useful and it’s free. Simply upload your PDF file, then start editing.22 Create effective opt-in boxes*If you want to capture email addresses on your site (you dodon’t you?!), then Leadboxes from LeadPages Software - Mobile Responsive Landing Page Generator makes it super easy. Plus you’ll createlovely boxes that look professional and work.I also love their landing page templates – there are hundreds of them. You can select by conversion rate so you know the template you choose will get results. Leadpagesstarts at $25 per month for a year. (Leadboxes is a feature within leadpages).23 Test new copy or a new layoutEver wanted a quick review of a new page on your website orapp? This tool allows you to see andhear a 5-minute video of a real person using your site or app (for free).You submit your URL to Peek user testing (http://peek.usertesting.com/)and within a couple days (sometimes hours) you’ll receive a 5-minute video of arandom person figuring out how to use your site – often a real eye-opener!24 Be secure onlineWe do everything online these days don’t we? I have over50 different accounts and logins that I need to remember. Lastpass(Password Manager, Auto Form Filler, Random Password Generator & Secure Digital Wallet App) remembers your passwords so you only need to remember your onemaster code. I wish I’d known about it five years ago.You can upgrade for $12 per year to keep them synched on all your devices. Complete time saver but mostly, peace of mind.Save time and be more effective with online toolsThe Internet has unlocked a colourful and exciting world tomany small businesses. We now have everything at the touch of a button.So to not use online tools to simplify your business andlife would be a travesty!My advice to you is to focus on what you want an online toolto do for you. Spend time only on the ones where you can see a clearbenefit.If you’re not using a new tool 5 or 6 weeks afterdownloading it – clear out. Get rid of tools that don’t work foryou, and focus on getting the best out of the exceptional ones.We all want to banish overwhelm and feel on top of thingsdon’t we?These tools will enable you to feel incontrol. And when you feel in control, you’re more likelyto be in control - and succeed in your online business.

My long-term girlfriend is Filipino. Her name is Grace. We have a three month old daughter named Sophia.Grace has worked in Qatar, Kuwait, Saudi, Taiwan, Jordan, Singapore and Taiwan. On top of that, she has travelled to numerous countries as a tourist.In the Philippines, English is taught to kids from their very first day at school. Most Filipinos are excellent English speakers. They do tend to lean towards American English, but, not everyone's perfect.Anyway. Today, Grace went off to visit her parents with our daughter. I was supposed to go with them. However, being 46, and having retired two years ago, I'm in the middle of setting up a business because I'm bored out of my brains. This morning, I started to make what was supposed to be a simple fillable PDF form, then I wanted to make it better. And better. And better, and so, I ended up not going and staying here instead. Once I get my teeth into something there's no letting go.Just a few minutes ago, Grace sent me a message. Now, if you ever met her face-to-face, you'd find her English to be fluent. She understands me jabbering away with my London accent perfectly well. Alas, when it comes to putting things down in writing, she gets somewhat flustered.Here's a screenshot of the exchange:Now, after I'd said, yes, but I don't understand your question, I sat here for around 30 seconds scratching my head and balls trying to work out what she was asking me.Then, you'll note, she typed, gd nyt then.It means good night. But, it's not any ordinary good night, oh no. It translates to, well, if you can't be bothered to reply, good fucking night.I decided to call her.Love, what are you trying to ask me?Her reply:I'm telling you that Sophia's temperature is 36.6, does it mean she has a fever. What is wrong with you, have you been drinking?Me:IT'S FEVER, NOT BLOODY FIVER!!! We both spent the next minute listening to each other laughing down the phone line.Sophia had her third lot of inoculations today, and by all accounts has been under the weather, hence Grace being concerned.I can honestly say that since June 2nd 2016, when Grace and I first met, there has not been a day go by where we have not teased each other and seiously belly laughed. Not one single day.Long may the belly laughs continue!Have I been drinking she asked? PAH. Here I am, in sorrow, alone, abandoned, my family and loved ones away.Now, back to my Scotch and Queen Live in Montreal. Go, Freddie!!Cheers!!

Well, let’s be clear from the start … Your social Security # can never be “stolen”. it is *your* SS #, after all. It can, however, be used fraudulently for hiring or income tax filing and collection purposes. Even if this happens to you (as did me just this past tax year), you can recover use of your # exclusively and (re?)-collect your tax refund (even if said payment was already sent out and redeemed by someone else impersonating you) and/or make adjustments to said already filed return by notifying the IRS:First, you should file an Identity Theft Affidavit (IRS Form 14039) as soon as possible to let the IRS know that someone is using your identity. You can also call the IRS at 1-800-908-4490Taxpayer Guide to Identity TheftFor 2018, the IRS, the states and the tax industry joined together to enact new safeguards and take additional actions to combat tax-related identity theft. Many of these safeguards will be invisible to you, but invaluable to our fight against these criminal syndicates. If you prepare your own return with tax software, you will see new log-on standards. Some states also have taken additional steps. See your state revenue agency’s website for additional details.We also know identity theft is a frustrating process for victims. If you become a victim, we are committed to resolving your case as quickly as possible.What is tax-related identity theft?Tax-related identity theft occurs when someone uses your stolen Social Security number to file a tax return claiming a fraudulent refund.You may be unaware that this has happened until you efile your return and discover that a return already has been filed using your SSN. Or, the IRS may send you a letter saying we have identified a suspicious return using your SSN.Know the warning signsBe alert to possible tax-related identity theft if you are contacted by the IRS or your tax professional/provider about:More than one tax return was filed using your SSN.You owe additional tax, refund offset or have had collection actions taken against you for a year you did not file a tax return.IRS records indicate you received wages or other income from an employer for whom you did not work.If you suspect you are a victim of identity theft, continue to pay your taxes and file your tax return, even if you must do so by paper.Steps to take if you become a victimIf you are a victim of identity theft, the Federal Trade Commission recommends these steps:File a complaint with the FTC at identitytheft.gov.Contact one of the three major credit bureaus to place a ‘fraud alert’ on your credit records: Equifax, http://www.Equifax.com, 800-525-6285 Experian, Check Your Free Credit Report & FICO® Score, 888-397-3742 TransUnion, www.TransUnion.com, 800-680-7289Contact your financial institutions, and close any financial or credit accounts opened without your permission or tampered with by identity thieves.If your SSN is compromised and you know or suspect you are a victim of tax-related identity theft, the IRS recommends these additional steps:Respond immediately to any IRS notice; call the number provided.Complete IRS Form 14039, Identity Theft Affidavit (PDF), if your efiled return rejects because of a duplicate filing under your SSN or you are instructed to do so. Use a fillable form at An official website of the United States government, print, then attach the form to your return and mail according to instructions.If you previously contacted the IRS and did not have a resolution, contact us for specialized assistance at 1-800-908-4490. We have teams available to assist.About data breaches and your taxesNot all data breaches or computer hacks result in tax-related identity theft. It’s important to know what type of personal information was stolen.If you’ve been a victim of a data breach, keep in touch with the company to learn what it is doing to protect you and follow the “Steps for victims of identity theft.” Data breach victims should submit a Form 14039, Identity Theft Affidavit, only if your Social Security number has been compromised and your efile return was rejected as a duplicate or IRS has informed you that you may be a victim of tax-related identity theft.How to reduce your riskJoin efforts by the IRS, states and tax industry to protect your data. Taxes. Security. Together. We all have a role to play. Here's how you can help:Always use security software with firewall and anti-virus protections. Use strong passwords.Learn to recognize and avoid phishing emails, threatening calls and texts from thieves posing as legitimate organizations such as your bank, credit card companies and even the IRS.Do not click on links or download attachments from unknown or suspicious emails.Protect your personal information and that of any dependents. Don’t routinely carry Social Security cards, and make sure your tax records are secure.See Publication 4524, Security Awareness for Taxpayers (PDF), to learn more.The IRS does not initiate contact with taxpayers by email to request personal or financial information. This includes any type of electronic communication, such as text messages and social media channels.Report suspicious online or emailed phishing scams to [email protected]. For phishing scams by phone, fax or mail, call 800-366-4484. Report IRS impersonation scams to the Treasury Inspector General for Tax Administration’s IRS Impersonation Scams Reporting.See the main Identity Protection page for more information.