Make Money Writing Crossword Puzzles: Seven Tips For Newbies Money

You might not realise it, but the crossword is still one of the most popular parts of many newspapers… with lots of people buying a copy for that reason alone. After the front and back page, the sport and the TV sections it’s high up on the list of ‘most read’ pages. So there is a healthy demand for people to write and sell crossword puzzles.

This could be a great sideline opportunity for you. Especially good if you’re a dedicated crossword puzzler. But you can try it even if you’re not. You don’t need to be especially good at English.

Here are seven tips on how to write crosswords:

1. Start by thinking of a theme for your puzzle. For example something like history, or geography, travel, film and TV or famous people etc. You don’t necessarily have to reveal what your theme is to your readers. But it will make it much easier to come up with words and clues.

2. Now write a long list of words which relate to your theme. At least 25 or 30 to start with. Everything you can think of. This will be your ‘word bank’, to draw words from for your puzzle. (But you don’t necessarily need to use them all.)

3. Include both long and short words… but don’t have many words under four letters. Try and choose words which include lots of ‘often used’ letters… such as the vowels A, E, I, O, U plus S, T, L, M, N… which will be easier to fit together. Avoid too many words that use Z, Q and X for the same reason!

4. Now get some graph paper and a pencil. Pick five or six of the longer words from your list and try and link them together in the centre of the page, starting with a horizontal. Now try to fit in the smaller words around them. Build up your grid from there. Finish off by filling in the spaces with a blank.

5. Once your grid is complete number every square that contains the first letter of a word. Divide these into two lists, one of ‘Across’ words and another of ‘Down’ words.

6. Now the fun begins! The next stage is to create a clue for each word. Most crosswords either have simple clues or cryptic clues – don’t mix both types in the same crossword.

7. A thesaurus is a really handy way of finding clue ideas for crosswords. You can either buy one or find one free online. Just look up whatever your clue is and get a list of words which mean something similar and which could be the basis of your clue.

If you’re into crossword puzzling you might know that you can actually get computer programs to help you create and/or solve crossword puzzles. You can use these if you wish (although the good ones tend to be quite expensive). Also, some buyers prefer crossword puzzles that haven’t been created by a computer – so always check first.

Now to selling crossword puzzles: Most magazines and lots of magazines have crossword puzzles and might be interested in buying your puzzles. Write to them and ask. Start with smaller publications… not with The Times and so on!

Larger newspapers and magazines tend to have regular, in-house crossword compilers. But don’t be put off approaching those who do… they still buy puzzles from freelancers sometimes. And this could be your foot in the door to get a job as in-house compiler in future.

One more tip when compiling puzzles for newspapers: They tend to have a fixed grid size which they’re very reluctant to change. It’s also sometimes the case that the grid pattern is EXACTLY the same with every crossword, just rotated a different way or a mirror image and so on. So be sure to check some back issues before you write specifically for that publication.

There are also some puzzle agencies which write crossword puzzles for selling on to the publishing industry. Here’s one you could take a look at: Clarity Media at (Their website also has lots of useful info. about puzzling.)

Another place to sell your crossword puzzles is puzzle book publishers. They often have a need for hundreds or crosswords a year.

Educational publishers also need crosswords for books and study aids which are created for children or use in schools.


CPA, ABA, CFP – Which Credentials Matter? Financial Planning

When choosing a professional to help you file your income taxes – whether you are an individual or are running a small business – choosing the tax accountant with the right credentials is key. Flipping through the phone book or browsing through online business listings, you’ll likely encounter a veritable alphabet soup of acronyms such as CPA, CFA, CFP, CMA, ABA and others. In fact, there are upwards of 46 different acronyms that relate to certifications in accounting, finance and business. Of these accountant credentials, you’re most likely to retain a CPA, ABA or CFP. Here’s what each means:

Certified Public Accountants (CPA)

CPAs are most well known for preparing taxes, but they can also advise you on how to structure your small business and setup a bookkeeping system as well as help you plan for retirement, college and organizing your estate. CPAs must undergo rigorous testing and continuing education to maintain their licenses. This means accountants who are CPAs are highly qualified with up-to-date knowledge of the latest tax laws in their local area. That means a CPA operating in Seattle or Bellevue is required to be well-versed in both federal tax law and Washington state tax law.

Accredited Business Accountant (ABA)

An ABA is an accountant who has undergone additional training and has passed the Accreditation Council for Accountancy and Taxation (ACAT) exam. This is a voluntary accreditation and is meant to signify that this accountant specializes in accounting services for individuals and small- to medium-sized businesses.

Certified Financial Planner (CFP)

A CFP can help you with your investment goals. CFPs are a good choice if you are planning for the future, as they can offer a broad range of financial advice. So,which financial professional should you choose? That all depends. Are you looking to file your individual income taxes? Are you starting a small business? Or are you trying to build a reliable investment portfolio for the next 30 years? Different professionals serve different needs.

The best way to determine whether a financial advisor is a good fit for your needs is to schedule an interview or consultation. Many accounting firms have multiple specialties that work in conjunction to serve your needs. For example, some CPA firms also offer business consulting for small businesses and can help you set up a QuickBooks accounting system or provide advice on how to incorporate your independently owned business. So, take your time and interview at least three different accountants before deciding which one works best for you.

financial planning

Money Is a Good Servant, But a Bad Master Money

Money is the second God – goes the saying. In a sense, that is true. The wheel of the whole universe of activities centers around one point-money. Money buys wealth, happiness, even love sometimes. Mankind all over the world kneels down to it. Truly speaking, there is hardly any job on earth that money can not accomplish.

True, money is very powerful. But what is the nature of its power? Being a part and parcel of our daily life, does it deserve the honor we give it?

As a matter of fact, money is a good servant but a bad master. It serves you best- with anything, in any way. But if you worship it, it conquers you wholly. Then you cease to be yourself. Not only that, you cannot be a good servant as well.

In this regard, one thing we must remember: we earn money to live, and we do not live to earn money. Those who earn money to live earn it and spend it and enjoy their lives. They change money into happiness, prosperity, development, and well-being; but money cannot change them. They can enjoy the gift of life. But, on the other hand, those who live to earn money live like slaves to it. It is those people who are the root of all evil- chaos, destruction, murder, robbery, bribery and so on. Not only they cannot control themselves, but they are controlled by money. We must run after money, but must not run toward hell.

Money can also buy power.

“Power is difficult to define but easy to identify”. When we see something done or some achievement, we can easily infer that there was some power behind it. In simple term we can say that power is the ability to do something or make other to do something. This implies that no great deed can be done without power, but unfortunately, the reverse is also true that all the harms and destructions done to the world are due mainly to power. That is, money can buy power but power has some bad sides too.

Power doesn’t exist without a person or system. So, it is best to analyze it in terms of its relation with its holder. When, for example, a person is in power he or she cannot but use it. That person may be just or unjust or selfish, and the exercise of power by him or her will go accordingly. Most of all, power tends to instigate and intoxicate the ill-wills of a person. Most of the time the power-holder becomes selfish and dominating. Virtually, even the closest friend, when in power, looks down upon a person as his or her enemy. “A friend in power is a friend lost” is a truism.

So, money can buy power or everything we want to attain but it can never be our God-even the second; for “You must have one God only. Who will be at the expense of two?”


Top 7 Basic Features Every CNC Milling Machine Must Have – Important Note for Consumers Money

Many manufacturers are aware of precision machining that explains the increasing demand of machining centers – particularly CNC milling machines, which seems to have important role in producing high precision components fast, precisely, and accurately. Since there are different types of advanced milling machines that are available in the market, here are some basic features of these machining centers that you should know:

1. It exists in two different forms – It is basically manufactured in two different forms which are designed based on the positioning of the cutting tool (or commonly known as spindle). Therefore, when the spindle performs cutting horizontally – it is known as horizontal milling machine, whereas the vertical machining center has its spindle positioned accordingly.

2. It involves versatile movements of both cutter and work piece – Unlike conventional machining centers; the milling process involves controlled movements of both work pieces and cutters based on the integrated software control. Thus, such set up can actually perform complex parts production based on versatile cutting movements. This explains the CNC milling machines are available in different models – 3, 4, and 5-axis machines.

3. Its operation is solely based on its integrated software control system – Most CNC milling machines are programmed to perform intricate milling operations as to minimize contact between the operator and the cutting tools. Therefore, operators must be trained to master the fundamentals of Computer-Aided Manufacturing (CAM) as well as G-code programming, to ensure that the components are precisely produced based on the Computer-Aided Design (CAD) design.

4. It has standard and replaceable tooling – Since these machines are used over a long period of time to machine components on a large scale, such machines have to be maintained on a regularly basis. Therefore, there are standardized accessories and cutting tools that are available in the market which are manufactured by respective CNC machining manufacturers.

5. It is available in various sizes based on the sizes of the components – Basically, you need substantial spaces to accommodate these machines. In spite of their bulky appearances, these machines have different sizes which are custom made for producing various component sizes respectively. Please take note that large size CNC milling machines are meant for producing large parts, and vice versa. Apart from that, these machines are indeed heavy as their frames are made of high grade cast iron.

6. It is commonly consists of two types of Automatic Tool Changer (ATC) – Normally, a cutting operation involves regular tool change in the CNC milling machine. Newer machine models contain swing arm ATC, which perform tool changing process faster than older models that have umbrella type of ATC. Certainly, faster tool changing process able to increase precision of the parts production. In addition, most advance milling machines have swing arm ATC which provides you more space to work.

7. It has an effective chip management – Most of these machines are able to get rid of costly cleanup and protect both components and tools because of their productive chip management. Additionally, these machines have specific coolants that can prolong the lifespan of the tools.

If you are planning to purchase CNC milling machines for your business, always take note of the feature of the machine and request quotations from various machine suppliers in order to look for a better deal.

money changer

Why Money Rules Our Entire Life Money

Money is everything because we spend our whole lives seeking more and more of these wonderful coins and pieces of paper. We all want more and more money and seek the freedom and choices that having money offers.

I found a very interesting and informative article on Exploring Your Relationship with Money which goes into detail about how we think about money, and how assessing our relationship with money is a prelude to (and I quote) first step in making personal and global transformations.

One of the interesting things I took from this article is the indulgence of money as an alternative to expressing love. We all buy cards, flowers, and presents to those who mean something to us. We do this exclusively for loved ones therefore our spending money is an expression of feeling and acceptance. If you do not fully buy into this idea, then consider how many times you have bought an enemy anything.

Everything costs money. People are driven by an insatiable demand to have more. I will discuss and explore specifically whether or not we have the right attitude towards money in later articles, but there is little doubt some people base their entire existence on the pursuit and retention of money and wealth. Consider people like Richard Branson and others who are well-known for their wealth. The way they carry themselves and the confidence they have are based on their success and their wealth.

My relationship with money is different to other people I know. I am very much of the type of person who views money as security. I enjoy the feeling of success having earned it and enjoy the feeling of security knowing I can afford things should I need them. I am not a large spender although that is because I am careful with what I have. If someone passed me £100,000 I would find it easy to spend some of that! The more I have the more secure I feel and that urges me to save more and spend less. This attitude is shaped by previous experiences and the fact that I have learned what happens and how it feels when you have nothing. Those who have not experienced this will spend freely with the (perhaps wrong) belief that money will continue to flow to them as it always has before. Rich kids are the typical example of this type of behaviour. Try telling an 18 year old that a credit card is bad. Until they experience the month after month after month of paying off a bill the lesson cannot be taught, it must be lived.

I often imagine what it would be like to not be striving to make money either through work or this second business, to live somewhere remote in a self-sufficient home and concentrate on just living. What would the interests be? What would we do as a family all day? Similar to a life with abundant money, the moment you got a lot of it you would suddenly lose a sense that it holds importance. The paradox of money is that it loses importance the more of it you have.

The secret to making sure your relationship with money is healthy is to focus on the other areas of your life that are important and maintain a good balance. Money is important, but relationships, health, fitness and other things are also important. Lynne Twist sums up perfectly when she says “When our money life aligns with our heart and soul, that’s financial wellness, that’s prosperity,” Whilst you should be focused, there is a line you should not cross that you become totally obsessed. It is my belief that you must be happy with moderate money to ever hope to be really happy with abundant wealth.