Tuesday, 13 May 2014

Getting PAID for blogging

Getting PAID for blogging

Getting PAID for blogging

With bloggers reviewing everything from hotels to beauty products to baby strollers these days, brands are willing to pay for such seemingly spontaneous word of mouth.

Enter the blog post-advertorial: sponsored blog entries involving free or discounted trips and products, and around which an entire ecosystem has sprung up - from bloggers' agents to companies that liaise with and supply bloggers with goodies.

Public relations firms say that as social media marketing takes off, they now draft formal agreements between their clients and bloggers: A typical contract covers the required number of posts and pictures, and the types of social media channels that will be used by the blogger, in exchange for payment in cash or kind.

Yet, with paid blog posts becoming increasingly common, surfing through blog reviews becomes more complicated too.

Housewife Jenny Tan, 32, who looks at food blogs regularly, finds that she constantly has to evaluate what she reads: "If the blogger is supplied a particular food item and is paid to use it, then how credible are the recipes, since he is obliged to say the item is good?"

So does a paid post, which is not flagged clearly by the blogger as such, affect a blog's credibility?

 Would one feel obliged to write only good things if the stuff is free?

SundayLife! asks these questions and more of some prominent local bloggers:

The bloggers' market
Blogger Wendy Cheng, aka Xiaxue, a former personal assistant to a doctor, started blogging full-time in 2005. She now has about 40,000 daily visitors to her blog, and says she can make a five-figure sum in good months.

Ms Cheng, 30, says she used to approach brands she liked and offer them coverage. 

These days, however, clients such as Subaru and L'Oreal go to her. She receives up to five requests for event coverage a day.

Similarly, full-time blogger Brad Lau, 27, who goes by the online moniker ladyironchef and runs the site with his fiancee Melody Yap, 25, says he receives so many invitations to go for free tastings that he no longer accepts them.

"We need to prioritise our paying clients," he says.

He does campaigns with clients, which he declines to name, marketing their products with their approved messages.

His Ladyironchef blog, started seven years ago, gets an average of 2.5 million page views a month.

Nuffnang, a blog community and blogger management agency, was set up in Singapore in 2007 and helps its network of about 60,000 blogs monetise their space.

Says Ms Yang Hui Wen, Nuffnang's regional director: "Advertisers know that bloggers' influence and opinions may be valuable tools that they can incorporate into their plans to generate online chatter, spark opinions and create an image for their brand.

"Blog marketing is almost always in the marketing plan now."

SundayLife! spoke to 10 bloggers, who all say they charge for advertorials, ranging from hundreds of dollars to five-figure sums.

Ms Cheng says she used to charge $300 for an advertorial, but now commands about $4,000 for such a post.

She adds, however, that if the cost of what she is offered is much more than her fees, then she may waive her charges.

Mr Daniel Ang of DanielFoodDiary.com says his popularity has allowed him to revise his fees upwards five times over the last three years.

He usually charges a four-figure sum for advertorials. His blog gets 1.2 million page views a month.

Some consumers are uncomfortable with how some bloggers who used to blog because they are passionate about a topic now accept payment.

They feel that objectivity is compromised as a result.

Says marketing support specialist Magdalene Lim, 26, who reads beauty blogs every other day: "A blogger could be reviewing many skincare products at the same time and deem them all good.

"But how can she tell what her skin is really benefiting from, since she is using all the products simultaneously?"

Civil servant Chloe Lee, 27, who reads beauty and food blogs every day, asks: "Where is the reality in the testing when you are paid for the post? You have to say something good about the product, right? Would you be mean about a free lunch?"

Professor Mohan Dutta, head of the National University of Singapore's department of communications and new media in the Faculty of Arts and Social Sciences, says the best case scenario is where a blogger writes about a product or service without receiving payment.

"This creates a space for objective review", he says, adding that it prevents any room for bias.

However, Nuffnang's Ms Yang says that bloggers have the editorial freedom to air their experiences.

"We pre-empt companies by telling them that reviews, if any, good or bad, will have to be at the discretion of the blogger," she says.

Bloggers say that if they accept payment, it is for work done.

Says Mr Lau: "This is my career; it's what I do for a living. You would not go to a newspaper or a magazine and expect free advertising.

"If I can do something I love and get paid for it, why not?"

Mr Daniel Ang, who works full-time as a polytechnic mass communications lecturer, says there are "labour costs" involved for bloggers.

"I spend three to four hours at an event and then another three to four hours editing and researching before my post goes up. That is about seven hours worth of work.

"If I am to spend such effort helping a company, some monetary compensation would be helpful," he says.

There are bloggers who alternate between accepting payment in cash and in kind.

Blogger Kelvin Ang of three-year-old family blog cheekiemonkie.net has taken his family on trips sponsored by Hong Kong Disneyland to check out the theme park and by milk powder brand Friso to Amsterdam.

He says he does not know the worth of these trips, as the companies did not reveal the cost to him.

Mr Ang, 37, a financial planner, says that for certain sponsored trips: "I decide whether to charge or not, on a case-by-case basis."

Bloggers interviewed say they do not write about a product they do not like.

Ms Cheng says if the experience or product was very bad, she even refunds the money she was paid.

Mr Daniel Ang says he only invoices clients after his blog post is up and he also does not feel the need to write a glowing review just because he was paid for it.

"I think it's important to be truthful, so I do put in negative comments and highlight areas the company can improve on," he says.

A question of credibility
Accounts manager Jasmine Lim, 35, says she often realises only at the end of a post that it was an advertorial.

She adds: "Sometimes, the font used in the declaration is smaller than what is used in the rest of the post and I almost miss it. I find that somewhat sneaky," she says.

The bloggers SundayLife! spoke to say that they do not try to hide the fact that a post is sponsored.

Ms Cheng, for instance, says she makes it clear on her blog when posts are advertorials. These are flagged and labelled at the beginning with the word "advertorial" - something she has been doing since 2005.

"It's my reputation on the line," she says. "If I get found out that it was a paid post, people will not believe me anymore."

While it is not unheard of in the industry for bloggers to not declare that a product or trip was sponsored, Mr Kelvin Ang says to fail to declare any sponsorship of a post is to not be "open and upfront" with readers.

Mr Daniel Ang says he always rejects requests from companies to omit the word "advertorial" from a post, so as to not make it "obvious" that they had sponsored it.
"Money can't buy integrity," he says.

Mr Lau, too, indicates at the bottom of his posts with the words "this post is brought to you by" if the post is paid for.

"Transparency is very important to us," he says.

Prof Dutta says such declarations ought to be placed right at the top, "so that readers reading further on are already sensitised to the conflicts of interest".

Personal codes of conduct
Parenting blogger Meiling Wong-Chainani, 42, who has been blogging for the past two years at Universal Scribbles and has about 20,000 visitors a month, says she returns products for review if she is uncertain how safe they are for children. "I need to be very careful and take responsibility for what I write about," she says.

Agreeing, Ms Cheng says she does not write about things that she does not like or believe in.

She adds: "I would never write about cigarettes, as I am against smoking. Once, I rejected an offer to try sex toys. I am not comfortable talking about such topics on my blog."
------ Asiaone   13 May 2014

 

Monday, 12 May 2014

3 ways you can screw-up your life insurance policy

3 ways you can screw-up your life insurance policy

May 12, 2014
So many forms with questions for things you really can’t remember the answer to. In such a situation, it’s tempting to lie or just embellish the truth.
 
download

By Chester John

Filling up insurance documents can be a pain in the rear. So many forms with questions for things you really can’t remember the answer to. In such a situation, it’s tempting to lie or just embellish the truth – I mean, it’s been a long time since that last brush with illness and you’re feeling fitter than a horse. But you never know; that one little white lie or omission could make your policy null and void.
Although some insurance policies have a cut-off date for how far back you are required to disclose health issues; if you aren’t sure, it’s best not to jeopardise a policy by withholding information you believe too old to be relevant. To put it simply, do not lie during your insurance application. Any material fact, which is a fact that would influence the judgement of an underwriter and affect any of your insured risks should be disclosed, fully and faithfully, as stated in the Insurance Act 1996 under Section 149(4).

Determining your risk level
Your risk class will be determined by an underwriter from the insurance company of your choice. He or she will decide whether or not to accept a certain risk. By providing your insurer with a completed application form, and also a full medical report, the insurance company will then be able to make a decision. With that said, it is important that you disclose all relevant information regarding your health and lifestyle so that your risks can be accurately assessed.
So the question that dawns on us is – “What happens when you do not disclose correct background information?”. Non-disclosure of information is one of the main reasons why insurance companies legitimately refuse to pay insurance claims on your policy. Below are situations where your insurance contract will become void or insurance claim payment delayed due to undisclosed information.

1. Misrepresentation
Misrepresentation often occurs due to carelessness or negligence during the recording of information. It can only be committed by the insurance company, participant or insurance agent.
Let us say that you had accidentally misstated or omitted something when applying for a policy, such as having undergone a major operation when you were younger. Now it appears that the operation has caused some health complications and you wish to be reimbursed for any medical expenses that follows. Your insurer might not approve your claims, on grounds of misrepresentation. But hold on, there is such a thing as the “contestability Period”.

The Contestability Period
The Contestability Period is the time period, usually 2 years, during which the insurer is not obligated to pay a claim, because of misrepresentations of material facts given to your underwriter when determining your risks. Once these 2 years have gone and passed – your policy will then enter the Incontestability Period, where claims can be given, even though there has been some misrepresentations of material facts.
If you pass away from a condition that you have failed to mention in your application within the Contestability Period, any claims made can be ignored and your premiums refunded. However, if you die after 2 years, the policy will pay out even if it is found that you have left out some very important information in your application.

2. Fraud
Fraud is an act committed by the insurance operator, participant or agent and the disclosure of information together with the intent to intentionally deceive. If a policy is made fraudulently, the policy will be deemed invalid. Below are just a few examples of fraud:
Claim for accidents or injuries that has never happened.
  •  Faking a death
  •  Staged burglary, theft or vandalism
  •  Arson. – a dirty tactic typically used by failing businesses!
  • Staged vehicle theft
  • Staged home break-in
Remember: fraud isn’t just a petty offense – it carries criminal liability.

3. Concealment of material facts
Material facts are facts that directly pertain to or affect the claim and a non-material fact is of course the opposite: information that isn’t important to the claim nor will affect any outcomes.
A willful act of withholding information that may be related to the risk of the insured or the insurance policy even if the insured is not being asked about the subject. The insured is not allowed to conceal or hide any information from the insurer –  concealment can also lead to cancellation of the contract.
For example, perhaps you didn’t want to tell anyone, including your insurance company that you have contracted cancer. A few months down the road, your condition worsens, you’re diagnosed with stage 4 thyroid cancer and in need of chemotherapy. Is your insurance company going to foot the bill? Forget about it!

To sum-up
As stated in section 150 of the Insurance Act, you are required to disclose facts about the risk being proposed which you know to be relevant to the decision of your insurer. Otherwise, the policy issued to you may not be valid. Policyholders should be aware that the false claims made to obtain money from the insurance company is a crime which will result in the claim not being valid. However, if the misrepresentation is on a non-material fact; the contract would not be voided.

This was brought you by Chester John from RinggitPlus.com. RinggitPlus compares credit cards, personal loans and home loans to help Malaysians get more for their money.

Sunday, 11 May 2014

Five biggest banks in Malaysia

Five biggest banks in Malaysia

May 12, 2014
In Malaysia, there are definitely no shortages of banks fighting for a piece of the consumer pie. But for some of these massive banks – fighting isn't necessary
 
By Caitlyn Ng

Say what you want about banks; their services are integral and here to stay in the economic structure of our world today. In Malaysia, there are definitely no shortages of banks fighting for a piece of the consumer pie. But for some of these massive banks – fighting isn’t necessary. Here we take a look at the big boys: a list of the five biggest banks in Malaysia (not including foreign banks operating in the country).

Note: The information is based on total asset size and market capitalisation as of 24 April 2014, all of which are gathered from Forbes and The Wall Street Journal. Other information about the banks themselves have been taken from their official websites.

5) AMMB Holdings Bhd
5
Mention the name above to anyone on the street and you might get a blank stare in return. More commonly known as AmBank Group to the public, it was first incorporated in April 1975 as a joint venture between Malaysia (Malaysian Industrial Development Finance Berhad with 55% shareholding), Kuwait (Arab Investments for Asia with 33% shareholding) and Saudi Arabia (National Commercial Bank with 12% shareholding). Its name became “Arab-Malaysian Development Bank” in December 1983 and in 1988, it became the first merchant bank to be listed on the Kuala Lumpur Stock Exchange market.
About RM119 billion in total assets are owned by AmBank Group as well as a market capitalisation of RM21.82 billion; they are the first to start off this list.

4) RHB Bank Berhad
4
 
Formally formed out of a merger between three banks (Kwong Yik Bank Berhad, Sime Bank Berhad and Bank Utama Berhad) in 1997, RHB Bank Berhad can nevertheless trace its roots all the way back in time to the early 90s. This is because all the events and different work cultures from the banks have been moulded into the bank they are today. Presently, they offer a diverse range of banking services to the public such as retail, business, group transaction and Islamic banking. Celebrating their 100th year anniversary in the year 2013, they have a presence in other countries as well such as Singapore, Thailand and Brunei.
They are now the fourth largest bank in Malaysia with total assets worth around RM202 billion as well as a market capitalization of RM 21.67 billion.

3) Public Bank Berhad
3
The founder, Tan Sri Teh Hong Piow, had a vision that he would open a financial institution as “a bank for the public” and that vision came to light in August 1966 when Public Bank first opened its doors for business. Thus begin a bank that was to have 48 years of strong growth and rapid expansion to not only states in Malaysia (258 well-distributed branches), but also making its presence felt in 124 branches in Asia. With a proven track record of sustained profitability ever since its first listing on the Malaysian Stock Exchange in 1967, Public Bank has grown into a premier banking group.
Currently owning approximately RM293 billion in total assets and a market capitalisation total of RM71.98 billion, it is the third largest banking group in Malaysia.

2) CIMB Group Holdings Bhd
2
Second on this list is CIMB Bank, with a history of many banks (such as  Bian Chiang Bank, Ban Hin Lee Bank and Bank Lippo) coming together to merge into one company. By January 2003, they were registered on the Main Board of the Kuala Lumpur Stock Exchange. With its presence felt in diverse businesses such as consumer, wholesale and Islamic banking as well as in strategic investments, its hard not to notice them, especially since they have 1,061 branches spread in 17 markets around the globe. No wonder they are known as a leading ASEAN universal bank!
As of 2014, they are now in possession of about RM360 billion in total assets as well as having a market capitalization of RM61.80 billion.

1) Malayan Banking Bhd
1
 
Is it any wonder that this is the bank who is number one on this list? In terms of power in the f
inancial industry, Maybank holds onto its spot as the top banking and financial group in Malaysia with its presence felt in Singapore, the Philippines and other international financial centres such as London, New York, Hong Kong and Bahrain. Formed and founded in 1960 by Khoo Teck Puat, a Malaysian business tycoon, along with a few of his partners, the fledgeling bank quickly gained traction in the first few years and had opened more than 150 branches by the time 1963 had rolled around.
Fast forward to present time and you get a powerhouse that has total assets of around RM527 billion as well as a market capitalization of RM88.60 billion.

Caitlyn Ng is an Investigative Journalist of SaveMoney.my, an online consumer advice portal which aims to help Malaysians save money through smart (and most of the time painless) savings in their daily banking, technology, and lifestyle spending habits.

TV show spurs taste for hidden delicacies

TV show spurs taste for hidden delicacies


When the programme's second season made its debut, Sichuan sausages, Peking duck and Nyingchi honey were the first to sell out.

By Han Bingbin

China Daily/ Asia News Network

Sunday, May 11, 2014          

One of the least popular products offered by online shop owner Zhang Xiaowei in Lhasa, capital of the Tibet autonomous region, is being snapped up by thousands thanks to a popular food documentary.

Zhang's shop at online retail platform Tmall sells a variety of products from the depths of Tibetan forests, including saffron and Chinese caterpillar fungus.

But honey from Nyingchi in Tibet had gone almost unrecognized, to Zhang's disappointment.

Each year, Tibetan beekeepers trek from low to high altitudes in the Yarlung Zangbo Grand Canyon, seeking blossoms which are free from pollution and pesticides to allow their bees to produce honey of rare quality.

But because beekeeping is still a niche business in Tibet and the blossom season there is comparatively short, Nyingchi honey often costs more than other varieties.
Zhang said this was probably one of the reasons that had deterred people from tasting it.

In the first episode of the popular China Central Television documentary A Bite of China II shown on April 18, Nyingchi honey featured in the story of a Tibetan family searching the forests for raw food and natural happiness.

Almost immediately after the programme was shown, Zhang's honey sales began to increase and he has now sold 3,500 bottles.

CCTV head Hu Zhanfan has described the programme as a record of Chinese people's "living wisdom and cultural traditions". A Bite of China, which explores the relationship between people and food, was the most recognised TV production in China in 2012.

Staging a high-profile return, the documentary's eight-episode second season travels to more than 150 places nationwide to focus on artistically crafted urban banquets, simple home cooking and nature's raw offerings.

This year, Tmall has been authorised to launch a website featuring sales information about food mentioned in the documentary.

Among the first batch of 100 food products, most of which went online on April 18 when the programme's second season made its debut, Sichuan sausages, Peking duck and Nyingchi honey were the first to sell out.

Statistics from Tmall show that within three hours that night more than 2 million people visited the website through their mobile phones, and the number later rose to 5.4 million.

The online retail effort has helped bring so-called hidden delicacies within public reach.

For example, the programme introduced a type of fish sauce from Leishan, a county in Guizhou province, which the local Miao people describe as their proudest flavoring.

But when a huge number of searches for it appeared on Tmall, the online retailer found that no shops were selling it.Li Lei, a fruit retailer in Shanghai, was quick to seize this opportunity.

While the documentary was still being shown, he began making random calls and finally reached a policeman on duty in Lei-shan who knew the only fish sauce factory in town and gave him its contact details.

After reaching an agreement with the 74-year-old factory owner, Li flew to Leishan next morning and managed to put 1,000 packets of fish sauce he bought from the factory on his shelves by 11am.

Made only from water and fish caught locally, the factory's sauce had been sold mainly to locals for the past 35 years.

Li said it took a considerable effort to make the factory owner trust him and finally agree to sell him all the stocks.

With more than 2,000 packets sold in a week, Li hopes that his stock of 9,000 packets will last until August, when new stocks will arrive. "China has so many hidden delicacies. I feel very honoured to be able to bring one of them to people around the country," Li said.

He has remained in Guizhou to persuade the two Lei-shan fish sauce makers who featured in the documentary to endorse his products.

Four episodes of the documentary had been broadcast by this week, and more purchasing trends are expected to emerge in the next seven weeks.Li said it was a coincidence that he had been able to obtain a product from Guizhou.

"I doubt I will have such good luck next time," he said. "But it's good for the foodies. I'm sure delicacies will get online even more quickly."Zhang, the online shop owner in Lhasa, hopes the documentary will help to boost development of an industry.

The local government had been supportive of beekeeping, and after the documentary was shown, some businesspeople had also begun to show their interest, Zhang said.

"I hope the popularity of Nyingchi honey is just a start," he added.

Friday, 9 May 2014

Why Being Bilingual Can Actually Make You Smarter

Why Being Bilingual Can Actually Make You Smarter

Why Being Bilingual Can Actually Make You Smarter

What if you were told there was a way you may avoid dementia, strengthen your cognitive skills, and heighten your intelligence, and all you had to do was learn to strike up basic conversaions in another language?

It probably sounds great, because if you’re like most you would love to be able to speak a second language.  But then, you recall your experience in high school foreign language – boring rote memorization and long hours with little progress – and perhaps it doesn’t sound so good any more.

But, what if you were told it would take only 10 days to be on your way to becoming bilingual? Most people recognize the many benefits of learning a foreign language:  You can travel to foreign countries and feel comfortable, be a more productive and enticing employee in today’s competitive job market, and immerse yourself in the vast cultures that surround you.

But now, the collective evidence from a number of recent studies suggests that the bilingual experience improves the brain’s so-called executive function — a command system that directs the attention processes that we use for planning, solving problems, and performing various other mentally demanding tasks.*

These processes include the ability to ignore distractions to stay focused, switching attention willfully from one thing to another, and holding information in the mind — like remembering a sequence of directions while driving.

Even better, new approaches to learning mean you can learn a new language without the endless repetition, homework, and memorization. One of the most powerful, The Pimsleur Approach, actually trains people to start speaking a new language in as little as 10 days!  In fact, it’s so powerful, even the FBI has purchased it!

What is the Pimsleur Approach?
The Pimsleur Approach aims each lesson at teaching you to use the core vocabulary of the language, so you can speak the most in the least amount of time.  It's not how many words you know, but rather, which words you can use.

Each Pimsleur Approach lesson has been scientifically sequenced to rapidly lock language material into your brain after just one listen.  Let the audio guide you; the program is based on what language learning should be: Quick, fun, and easy. You'll absorb your new language without any reading, writing, or computer use.

The Pimsleur Approach has a 100 percent guarantee: Amaze yourself in 10 days or you don’t pay!
And, if that doesn’t tempt you, the benefits to learning a new language just keep adding up. In addition to keeping your mind sharp and your reflexes quick, it also may ward off the symptoms of Alzheimer’s disease and dementia.

For those looking to get smarter in just 10 days, the company is offering new customers a special offer of half off the language of your choice including free shipping. The programs (which normally cost $29.95) are now available for just $9.95.

Better yet, they are also offering a full 30-day money-back guarantee (so, if you find you are not learning as fast as you want, simply return it for a full refund).

Click here to take advantage of this special offer and start speaking in 10 days. You’ll be smarter for it!

What to look for when buying a new PC

What to look for when buying a new PC

Here are some tips for prospective PC buyers upgrading from their Windows XP computers. 

If you are into PC gaming, your choices are basically a powerful desktop PC, or a high-end gaming laptop like the MSI GT70 Dominator Pro. This massive notebook comes with the latest mobile graphics chip to ensure that you can play all the latest games.

It has been a month since Microsoft ended support for Windows XP. If you are still using Windows XP, it is like painting a bullseye for hackers, as Microsoft is no longer releasing security patches for the operating system.

You have two choices - upgrade to a newer version of Windows, or buy a new computer. Here are some things to look out for when shopping for a new PC.

Hybrids, ultrabooks and all-in-onesAll-in-one PCs: Great for users with limited desk space, AIOs integrate the display and CPU into a single, elegant unit. They usually have screen sizes of between 21 and 27 inches and with touch support, too. But unlike a desktop PC, there is little room for future upgrades.

Hybrids: These touch-capable devices are designed for the touch-centric Windows 8 operating system. They can switch between different usage modes, such as tablet and laptop. While there are numerous designs out there, the best ones has a flexible hinge that let the screen rotate 360 degrees so that it can convert from a laptop to a tablet and vice versa.

Ultrabooks: These sleek and slim laptops are the PC industry’s take on the Apple MacBook Air. Initially, they were pricey, premium models, but manufacturers have since produced more affordable versions by using materials such as plastic instead of aluminium.

Tip: AIOs are suitable for both entertainment and content creation as they have a large screen and fairly capable hardware. Ultrabooks tend to be more portable and have longer battery life than typical laptops, but are more expensive. Hybrids are versatile, but they do not make the best tablets or laptops. Pick the form factor that best fits you.


It’s all about touch
Whether it is a hybrid or an all-in-one PC, chances are that they will have a touchscreen and run Windows 8.

The thing about Windows 8 is that it feels like two operating systems that have been forced together.


There is the tile-based interface that is designed for touch.

And then there is the traditional Windows desktop with the usual icons and windows. When the two collide, things get messy and confusing. The latest Windows update alleviates some of these issues, though more improvements are expected later this year.

On a touch-capable device, Windows 8 actually works well, though you may need to learn some gestures to get around the interface.

While early touchscreens added a significant amount of weight to the device, and increased its price, the latest touch-capable PCs are affordable and only slightly heavier than the non-touch version.

Tip: Try out the demo sets at retail outlets to see if you prefer having a touch option. Who knows, you may even like it.
 
If you are into PC gaming, your choices are basically a powerful desktop PC, or a high-end gaming laptop like the MSI GT70 Dominator Pro. This massive notebook comes with the latest mobile graphics chip to ensure that you can play all the latest games.
Small but powerful, the Dell Venue Pro 11 packs an Intel Core i5 processor, allowing it to run Windows apps without a hitch. Paired with the right accessories, it can be a desktop, laptop or a tablet.
Lenovo's Yoga Pro 2 is a Windows hybrid that also qualifies as an ultrabook. It can switch between four different modes, including the more conventional laptop and tablet forms. Shown here is tent mode, which is useful for viewing videos.

The Best Time Of The Day To Do Just About Anything

The Best Time Of The Day To Do Just About Anything

The Best Time of Day to Do Just About Anything

From avoiding crowds to taking advantage of your body's natural rhythms, there's a best time of day to do just about anything. Here's a list of some of the best.
We've shared many of these "optimal times" over the years, but we though it'd be cool to round them all up into a list, sorted by time, from the beginning of the day. If something focused on a range of times, we've estimated. Also, keep in mind that your mileage may vary with some—after all, everyone's a bit different, so if you're a night owl, you may be more productive at different times than a morning person.
 
Remember that and  read these with an open mind.

7 AM: Do Some Creative Thinking

The Best Time of Day to Do Just About Anything1
 
You may think that working first thing in the morning is a horrible idea—after all, you're so groggy after you wake up—but your creativity peaks in the morning. You know how they say "write drunk, edit sober?" You could similarly say "Write in the morning, edit in the afternoon." Of course, if you're a morning person, you may have to reverse this advice
 
 
 
8 AM (or 1 PM): Book a Doctor's Appointment
 
The Best Time of Day to Do Just About Anything
 
The doctor's office is often synonymous with waiting, but an early morning appointment can bypass that annoyance. So book an appointment for when the office opens. Alternatively, you can book one for 1pm, right after lunch. Just be sure to avoid these busy times.

9 AM: Go to the Post Office

The Best Time of Day to Do Just About Anything
Your local Post Office probably has a rush right when it opens, so the ideal time to go is mid-morning, about a half hour after the Post Office opens—but before everyone tries to go during their lunch break. Different Post Offices open at different times, so be sure to check your local office's hours before you plan.

9 AM: Schedule a Job Interview

The Best Time of Day to Do Just About Anything
 
Got a job interview coming up? Schedule it first thing, before the other interviewees. Your interviewer will likely pay more attention to you and remember you better. Of course, giving a good interview can help with that, too.

9 AM: Search for an Apartment

The Best Time of Day to Do Just About Anything
According to data from RentHop, most people post apartment listings online in the morning, between 9 AM and 10 AM. That means it's a good time to start looking, and if you see something you like, pounce as quickly as possible—the more you have to search from, the better chance you'll find something you like. And the quicker you pounce, the better chance you have of getting it before somebody else. Check out the best time of month and year to search, too.

9:30 AM: Drink Your Coffee

The Best Time of Day to Do Just About Anything
Do you go for the coffee as soon as you wake up? That might not be the optimal time. Our cortisol levels are at their highest between 8 and 9:30 AM, which means our natural alertness is already high. Your coffee will be most effective if drunk between 9:30 and 11:30 AM (provided you're on a traditional sleep schedule). So give yourself a couple hours before you brew that cup of joe.

2 PM: Take a Nap

The Best Time of Day to Do Just About Anything3
 
If you like to take a little power nap during the day, time it for when your body and mind need it the most. Generally, this is the point in the day when REM and slow-wave sleep cross. This nap wheel should tell you when that is. Assuming an "average" wake-up time of 7 AM, the optimal nap time would be 2 PM (but check the nap wheel for your specific schedule). While you're at it, check out how long to nap for the biggest brain benefits.

2 PM: Send Email

The Best Time of Day to Do Just About Anything
According to data from email marketer Mailchimp, 2 PM may be the ideal time to send email—since people are most likely to read and respond to emails between 2 PM and 5PM, when most people are probably at their desks.

3 PM: Schedule a Meeting

The Best Time of Day to Do Just About Anything
Meeting scheduling service When Is Good found that people are most flexible at 3 PM, making it the perfect time to schedule a meeting so everyone can make it. This lines up with Mailchimp's data about email—it seems that fewer people have things scheduled for that 3PM time block. Tuesdays are the best day, and if 3PM doesn't work, flexibility is high at 10 and 11 AM as well.

6 PM: Exercise

The Best Time of Day to Do Just About Anything
 
Your body uses your lungs and oxygen most efficiently from around 5 PM to 6PM. You're also more coordinated, and your muscles are warmed up, making it the perfect time to do a cardio workout. Similarly, working out a few hours before bed helps you avoid sleep disruption, so aim for this evening range to get the biggest benefits from your exercise.

8 PM: Shop for Groceries

The Best Time of Day to Do Just About Anything
It may seem a little late in the evening for chores, but if you're looking for the best possible prices, shopping later in the evening can net you some great deals. It's a bit different for every store, but the later in the day, the lower the prices—so shop around closing time (especially on Wednesdays) to save some serious cash.

10 PM: Go to Sleep

The Best Time of Day to Do Just About Anything
Again, everyone's sleep schedule is different, but scheduling your bedtime can help you wake up more refreshed. Assuming an "average" 7 AM wake-up time (and 90 minute sleep cycle), the best time to go to bed is either 10 PM, 11:30 PM, or (if you only plan on six hours of sleep) 1 AM. Check out an app like Sleepyti.me to figure out your optimal time to go to sleep—and remember, this is what time you should fall asleep, not go to bed—so tack on a bit of extra if it takes you awhile to fall asleep.

10:30 PM: Start and End eBay Listings

The Best Time of Day to Do Just About Anything
Selling some of your old junk? The best time to end your listing is between 6:30 PM and 10:30 PM in any given time zone, when most people are online browsing and bidding. So, for a 7-day auction, you'll want to start it around the same time a week beforehand. (If you're in the US, 10:30 EST is a good way to hit this sweet spot in all time zones).
 
These aren't the only things that have optimal times, of course, and as we said, everyone's rhythms are different—so yours may vary from the "averages" here. And obviously, at the end of the day, the best time to do anything is when it fits into your schedule—so don't stress if you can only shop for groceries on Saturday morning. It isn't the end of the world.