3 Productivity Hacks to Maximize Your Morning Commute

For those who take mass transit to and from work, the time in motion can be anything from frantic to feeling like forever. Sure, it may seem like staring at the seat in front of you or doing your best to avoid being accidently tossed about like a ragdoll in a jam-packed subway car is the most you can do until you reach your destination, but this time can be spent in a far more meaningful way.

Don't let this time go to waste. Here are 3 productivity hacks that will make your commute one to be proud of. OK, reading a celeb gossip rag now and then or flipping through Facebook is fun once in a while, but with some strategic planning, you can make those minutes (or hours) life-changing. Take a seat (hopefully next to someone courteous) and move the needle as you move towards the office!

1. Plan Your Day

Once you find your spot on the train, bus, subway, or some other mode of transport, unless you're driving, it's the perfect time to create a "to-do" list to organize your actions and activities for the day ahead. By getting all your meetings, work responsibilities, and other scheduling in order before you set foot in the office, you're already one step ahead of the game – ready to get to work as soon as you clock in.

Hubspot notes, "Taking that extra time to think about each task can help you prioritize and set realistic expectations." Business Insider adds, "By creating a to-do list and prioritizing the day's responsibilities, you're setting yourself up to have a more organized and focused workday. If you can't actually write a list because you're driving, it can still be useful just to have a mental checklist."

Jot down your notes on pen and paper (the old-fashioned way), or try an app like Evernote. Once you capture your note, it's instantly available on all your devices. Type in your to-dos or use the voice recording feature. Planning will make your day more structured and less stressful.

2. Catch Up on Email

For nearly anyone with an email account, the morning means an inbox filled to the brim with both important information and a whole lotta junk. Use your commuting time to dump the spam and annoying advertising messages and sift through the important work email. If you can get back to some of the senders, do so, otherwise read through the messages and asses which are the most pressing so you know how to proceed once you get to the office.

Hubspot notes the satisfying feeling of arriving at the office with a clean inbox. Tending to email before the workday begins can "save at least a half hour and a loss of momentum during the most productive time of day."

An added perk of getting back to some open items in your inbox is that the recipient will see your email at the top of their box once they get to work. Your timeliness and top-of-the-morning work ethic will be looked upon fondly.

3. Read a Book or Newspaper

Stimulate your mind, invest in your interests, and catch up on the happenings going on in the world by doing some reading as you're stuck in rush hour. Business Insider writes, "These activities support your ongoing learning and development."

Bring along an eBook reader such as Kindle, or go the old-school route with a favorite hardcover you've been meaning to dive into. Grab a paper at the newsstand or log into apps or newspaper websites on your tablet or laptop.

While reading books or newspapers may not effect what you need to do for work directly, it broadens your mind, gives you a variety of perspectives, and educates you on general and specific information which can be useful in an array of workplace settings. Plus, it's far more entertaining than reading the poster above your seat for the length of the commute!

Are you ready to get moving with productive ways to spend the commute? No more nodding off and arriving at the office in a fog. Use your commute wisely and the benefits will be as rewarding as arriving at your destination on time.

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Truebill Is The App Everyone Needs, I Use It Everyday To Track All My Finances

I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

5 Reasons You Need FanDuel TVG If You Want To Get In On All The Horse Racing Action

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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