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JobZone Newspaper PDF: How To Cash In On The Emerging Trend Of Artificial Intelligence

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When the internet started to become popular in those days, the wise ones took positions immediately. Today it has made many millionaires and billionaires. Now you need to put on your thinking and action caps to see and act on the new emerging billionaire-making trends in our world.

There are two major trends you can’t miss in the world of tech today. The first is that of Artificial Intelligence (AI) techniques. If you have not heard about this, you should know that Robots are actually taken over our world already.

Artificial intelligence (AI) is an area of computer science that emphasizes the creation of intelligent machines that work and reacts like humans. Some of the activities computers with artificial intelligence are designed for include: Knowledge, Reasoning, Problem solving, Perception, Learning, Planning, Ability to manipulate and move objects.

AI has brought about a realization in the commercial industry that you can, with modern computing resources, teach a computer to perform complex tasks just as well as, or potentially better than, human experts. Companies with these resources are already using AI to improve their efficiency and increase profits: Google, Amazon, Facebook, Abibaba, etc.

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Starting a Business in the New Year: How to Self-Publish Your Books with Draft2Digital (Part 2)

You’re welcome to this newsletter today. How’re you doing?

This is the second and final part of the tutorial on how to self-publish with Draft2Digital. Please let me read your comments, questions.


Draft2Digital will get your book listed just as fast as going direct, and they support some of the largest sales channels like Barnes & Noble, Kobo, iTunes/iBooks, Scribd, Page Foundry, Tolino, Oyster, CreateSpace (yes, really) and they’re working on adding more!

Instead of maintaining author profiles, sales descriptions, book versions, and series titles on all of those different accounts, they give you one easy place to maintain the information and make updates. Turning any of the sales channels on or off is as easy as clicking a checkbox.

They’ll automatically assign an ISBN to any book published through their system unless you provide one of your own. It’s a free service they provide because ISBNs allow them to distribute your book to more channels, and you don’t have to forfeit any of your rights.

If you already have the sales details ready for your next release (most importantly a firm release date), you can even set up preorders through Draft2Digital for all of their most popular sales channels. It’s a great way to build interest and boost your sales rank on release day.

They can also create paperbacks for any books generated through their conversion service (that is, everything except pre-formatted epub uploads). Simply choose CreateSpace as one of your sales channels at the publishing stage, and they’ll begin the process.


When you publish a book, you’ll enter a Digital Book Price (in US dollars). The list price is up to you!

They will direct their digital stores to sell your book at the list price you provided.

Even if you want to list your book for free, you choose a list price of $0.00 on the publishing page, and they’ll make it happen.

If you decide to change your book’s price at any time (either temporarily or for good), just go back into your portal and make the necessary adjustment. They’ll ensure that the updated information gets updated with all of their vendors.


Their goal is to take the headache out of publishing your book and managing it once it’s out there. They give you one easy place to take care of your book publishing business and track your success.

They also provide constant access to up-to-date sales reports for all of their vendors. They always post their sales numbers as soon as they’re available. And they make analysis easy by providing you all of their sales data in dynamic charts instead of in long, complicated spreadsheets.

Draft2Digital pays monthly, with a minimum payment threshold of just $10 for most payment methods ($25 for checks). They even offer direct deposit for international users. Once they receive their royalty payment – usually 30-90 days after sales occur – they’ll subtract their 10% and send the rest on to you.

Please let me read your comments, questions.

Starting a Business in the New Year: How to Self-Publish Your Books with Draft2Digital

Draft2Digital gives you a fast, easy way to self-publish.

They’ll handle the formatting. You set the price of their books, get monthly payments, and see daily reports of their book sales. They make it all work with 24-htheir support and dedicated customer service. They keep 10% of the sales price, and their authors keep 100% of their rights.

If you’ve already published your book through another distributor, you can still use Draft2Digital to expand your reach and simplify your project maintenance for all other sales channels.

These are the steps you can follow to start your book publishing business through Draft2Digital


There’s no upfront cost and no risk to you. When you sign up for an account, they’ll need a couple of basic pieces of information about your book:

Title, Description, Sales categories, Search terms

Their interface is easy to use, so getting set up only takes a couple of minutes. Forget trying to learn the quirks of each sales outlet and duplicating their effort across multiple channels. They give you one simple place where you can get it all done and make changes at any time, free of charge.


All you need to get started is a Word document (.doc or .docx format), RTF, or any other file type Word can read. They don’t have a style guide or any special formatting requirements.

Unless you already have one you like, skip the title page and copyright page. Just give them the story, and they’ll make them for you.

Mark the chapter breaks of your book manuscript with something distinctive, and be consistent. Make it centered and bold, or larger font, or use a Heading style. Set apart the chapter titles, and they’ll do their best to recognize them.

If you have a cover art, upload that too. A 1600×2400 JPEG works best, but any tall rectangle will do. They’ll resize whatever you send to meet the requirements of their chosen sales channels.

That’s it! From there, they’ll make sure your book gets a working Table of Contents and page breaks between chapters. They also generate custom endmatter like About the Author and Teaser pages. They guarantee that anything they produce will pass Epubcheck, meaning it meets the technical standards for all of their digital stores.

Their conversion process creates a beautiful epub and you’ll be able to download a mobi file for Kindle reading too.

Their ebook may look a little different from the original document you uploaded. Their goal is to make their story look as good as possible on the devices readers use.

I hope you have learned one or two things from these two steps. I will be describing the remaining steps in my next post.

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How to Stabilize Your Current Situation Before You Invest

After I began to understand how bad our (myself and my wife) financial situation were some years ago, and I began to read books on business development, financial investment and the rest, I was helped by God to understand the necessity to clear off some bad and old habits that will not help us to get profitably involved in investing.

 financial investment

There were many of these anti-investment habits which I had to violently remove because if they are still allowed to remain with us, we will never be able to get involved in the healthy practice of investing.

In those days, we were going into debt upon debts. We had lots of this around our neck. We went into these debts without taking into consideration the usefulness of them to us. The interest we were paying on them were really hitting hard at our financial wellbeing. With this situation we would never be able to have enough money to invest.

We had to painfully stop these debts and made efforts to pay them all.

This freed us and gave some health to our finances. Hurray!

An expert advice: “Pull your credit report. You should do this once each year. It is important to know what is on your report, and to clear up any negative items on your credit report as soon as possible. If you’ve set aside $25,000 to invest, but you have $25,000 worth of bad credit, you are better off cleaning up the credit first!”

We also formed the habit of buying things on impulse. We were also buying things that were not really needed or necessary for our financial health in those days. We had to look into that.

You should also look into this too. Stop buying things on impulse. Take a good look at anything you want to buy and ensure they are really necessary for you before you bring out the cash to buy them.

Next, look at what you are paying out each month, and get rid of expenses that are not necessary. For instance, high interest credit cards are not necessary. Pay them off and get rid of them. If you have high interest outstanding loans, pay them off as well.

You can also exchange the high interest credit card for one with lower interest and refinance high interest loans with loans that are lower interest. This may cause  you to use some of your investment funds to take care of these issues, but  you will later discover that this is the wisest course of action on your part.

Let me inform you that clearing off these bad patches that can hinder the profitable involvement in investing for you will not be easy but you’ve got no option; you’ve got to do it. You’ll not be able to have enough or enjoy the necessary … to do profitable investment if you don’t clear these bad habits for good.

You seriously need to get yourself into good financial health. You will then be able to improve your financial situation with sound investments.

If you are still struggling with lots of debts around your neck, you should first of all clear off the debts and other negative financial situation you’re in. When you’re done with this, you can then begin to put your investment dollars into profitable investment.


Understanding the Meaning of Bonds

Have you heard of the investment platform called bonds?
Okay if you’ve not, I’ll be using this article on understanding the meaning of bonds to show what they really are and how you can maximize the benefits of your investment if you start investing in bonds.

understanding the meaning of bonds

You may get your fingers burnt if you don’t give yourself the opportunity to understand what bonds are. You may make the mistake of buying into the wrong bonds at the wrong maturity date.

If you want to purchase bonds, you need to take the following three factors into consideration.
1. The Par value
2. The maturity date
3. The coupon rate.

Okay I know all these are still strange and are like music in your hears at the moment. don’t worry I’ll get you through everything soon. Just read on.
Now number one:
The par value of a bond refers to the amount of money you will receive when the bond reaches its maturity date. In other words, you will receive your initial investment back when the bond reaches maturity.
Now to the meaning of second factor:

The maturity date is of course the date that the bond will reach its full value. On this maturity date, you’ll be expected to receive your initial investment, including the interest that your money has earned.

Number three factor means:
The coupon rate is the interest that you’ll receive when the bond reaches maturity. This is usually written as a percentage, and you must use other information to find out what the interest will be. For example, let us assume a bond has a par value of $5000, with a coupon rate of 10%. It will earn $500 per year until it reaches maturity.

I want you to understand something at this stage. Some types of bonds can be called before their date of maturity. For example, Corporate, State and Local Government bonds can be ‘called’ before they reach their maturity.

If you do this, the issuing Government or organisation will return your initial investment and also pay you the interest that it has earned thus far.

Usually, Federal bonds cannot be called before maturity.
I believe a question that may be popping up in your mind at this moment is: ‘I want to start investing in bonds, How and where do I purchase bonds?”.

I’ll show you how to go about purchasing bonds if you want to start investing in bonds.

Through a Brokerage Firm:
Yes you read that right. A broker or brokerage firm can make the purchase for you. This is to me the easiest way to purchase bonds. There are brokers in your country that will be ready to do this for you. The broker I use in my country sends me alert when these types of bonds are available. I only show my interest , pay into their account and fill some forms and the deal is done.

I have included a sample of the types of emails I receive anytime a bond is available for purchase from my broker.
You should find out accredited brokerage firms in your country. You should also ensure you find out the commission they will be charging you.

Oh yes, they charge commissions. they do this to cover their own expenses. I don’t think that’s bad. What I think is bad is when the commission they are charging is above industry standards in your country. I must tell you if you don’t carry out your due diligence, you may fall into shylock brokerage firms who will do everything to swindle extra money out of your pocket in the form of commission.

You can also go directly to the Government. I don’t know what the practice is in your country. But it’s also a practice in some countries for you to purchase binds directly through the government.

It used to be very hard buying directly from the government in those days but this is no more the stone age. It’s the age of technology, internet and civilization. Anyway I don’t know what the situation is in your country and just as I wrote earlier, you should find out.

How to Choose An Investment Style

How to Choose An Investment Style? This is the focus of this article on investing strategies.

How to Choose An Investment Style?

Wise people who have chosen the path of investing to secure their financial future especially when they retire from active service have also chosen to know their risk tolerance and investment style.

You need to have a proper understanding of this if you want to wisely choose your investment.

There are three major investment styles. There is the conservative style or strategy. There is moderate style and the aggressive style. You need to choose the one that’s suits your investing goals and objectives. You must also consider your risk tolerance as you choose a style.

Come to think of it, we all have different risk tolerance. Mine is different from yours and yours different from mine. So your ability to tolerate risks should help you to pick an investing style.

Naturally, if you find that you have a low tolerance for risk, your investment style will most likely be conservative or moderate at best. If you have a high tolerance for risk, you will most likely be a moderate or aggressive investor.

Just as I’ve said, your financial goals and objectives should play a great role to determine what style of investing you use.

People who’re in their early twenties can go for a conservative or moderate style of investing since they have a lot of time on their hands to reach their financial goals and objectives.

However, if for example, you’re trying to get together the funds to buy a home in the next year or two, you might want to consider an aggressive style or strategy of investing.

Conservative or conventional investors usually want to always have their initial investment.  They don’t always want to lose their money pumped into an investment.  If they invest $2000 they want to be sure that they will get their initial $2000 back.

The platform of common stocks, bonds, short term money market accounts and interest earning savings account are always the path conventional or conservative investors take.

This story is slightly different with moderate investors. It’s common to see moderate investors use a portion of their investment funds for higher risk investments. It’s common to see many moderate investors invest 50% of their investment funds in safe or conservative investments, and invest the remainder in riskier investments.

The power players are aggressive investors or those I love to call forceful investors. They’re always willing to take risks. The risk tolerance rate is usually higher than that of the other types of investors.  They are always getting into riskier investments.

They always want higher returns in a short term.  Aggressive investors often have all or most of their investment funds tied up in the stock market.

Let me inform you that there is no investing strategy that’s bad or good. You should pick the one that suits your financial goals and objectives and also consider your ability to tolerate risks.

Whichever you decide to choose and operate, you should understand one important style and disposition of great and successful investors: they always carry out adequate researches on where they put their money.

There are so many outlets today where you can get adequate information on the research you want to carry out. A future post will show you this.

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