<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>Yieldnote</title><description>Money guides, calculators and income ideas that pay off.</description><link>https://mjng-hub.pages.dev/</link><item><title>A no-equipment strength routine</title><link>https://mjng-hub.pages.dev/guides/home-strength-routine/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/home-strength-routine/</guid><description>Three sessions a week, about 30 minutes each.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>An AI tool stack for a one-person business</title><link>https://mjng-hub.pages.dev/guides/ai-tool-stack/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/ai-tool-stack/</guid><description>Four categories cover most of the work. 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Net yield tells you if it works.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>How big should your emergency fund be?</title><link>https://mjng-hub.pages.dev/guides/emergency-fund/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/emergency-fund/</guid><description>Three to six months of essential expenses covers most people.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>How blogs make money: a realistic guide for beginners</title><link>https://mjng-hub.pages.dev/guides/how-content-sites-earn/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/how-content-sites-earn/</guid><description>The six ways content sites earn, how much traffic each one needs, real startup costs and an honest timeline.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>How much life insurance do you need? A step-by-step calculation</title><link>https://mjng-hub.pages.dev/guides/term-vs-whole-life/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/term-vs-whole-life/</guid><description>Work out your coverage in four steps with the DIME method, choose a term length, and avoid the most common mistakes.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>How much to invest per month to reach $1 million</title><link>https://mjng-hub.pages.dev/guides/compound-interest-explained/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/compound-interest-explained/</guid><description>The exact monthly amount for 20 to 40 years at 5%, 7% and 10% returns, and the three levers that change it most.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>How to raise your credit score: what works in 30, 60 and 90 days</title><link>https://mjng-hub.pages.dev/guides/credit-score-factors/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/credit-score-factors/</guid><description>The five factors behind your score, which ones you can move this month, and a 90-day plan that avoids common myths.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>How to store crypto safely: a hardware wallet setup guide</title><link>https://mjng-hub.pages.dev/guides/crypto-security/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/crypto-security/</guid><description>Exchange, hot wallet or cold wallet? A step-by-step setup for beginners, plus the scams that drain wallets most often.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Index funds: build a first portfolio in one afternoon</title><link>https://mjng-hub.pages.dev/guides/index-funds-start/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/index-funds-start/</guid><description>Broad, cheap and boring tends to beat clever over long periods.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Picking a skill the market pays for</title><link>https://mjng-hub.pages.dev/guides/high-income-skills/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/high-income-skills/</guid><description>Look at job listings before you look at courses.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Reading a loan offer: APR, term and total cost</title><link>https://mjng-hub.pages.dev/guides/loan-true-cost/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/loan-true-cost/</guid><description>A lower monthly payment can cost thousands more overall.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Rent or buy: the math that decides it</title><link>https://mjng-hub.pages.dev/guides/rent-vs-buy/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/rent-vs-buy/</guid><description>Compare unrecoverable costs, not rent against mortgage payments.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Run your remote job search like a sales pipeline</title><link>https://mjng-hub.pages.dev/guides/remote-job-search/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/remote-job-search/</guid><description>Track every application. Volume and follow-up win.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Set a freelance rate that covers taxes and downtime</title><link>https://mjng-hub.pages.dev/guides/freelance-rate/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/freelance-rate/</guid><description>Your hourly rate must pay for hours nobody pays you for.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Seven ways to lower your car insurance premium</title><link>https://mjng-hub.pages.dev/guides/lower-car-insurance/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/lower-car-insurance/</guid><description>Most savings come from shopping around and adjusting your deductible.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Side hustles ranked by skill required</title><link>https://mjng-hub.pages.dev/guides/side-hustles-by-skill/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/side-hustles-by-skill/</guid><description>Higher skill means slower start but much better pay per hour.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Sleep habits with the strongest evidence</title><link>https://mjng-hub.pages.dev/guides/sleep-basics/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/sleep-basics/</guid><description>Consistency beats gadgets.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>The 50/30/20 budget, adjusted for real life</title><link>https://mjng-hub.pages.dev/guides/budget-50-30-20/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/budget-50-30-20/</guid><description>A starting split, not a rule. Adjust it to your rent and goals.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Travel rewards cards: when they’re worth it</title><link>https://mjng-hub.pages.dev/guides/travel-rewards-cards/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/travel-rewards-cards/</guid><description>Only if you pay in full every month. Interest wipes out any reward.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>What travel insurance covers, and what it doesn’t</title><link>https://mjng-hub.pages.dev/guides/travel-insurance-basics/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/travel-insurance-basics/</guid><description>Medical cover abroad is the part you should never skip.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Why an email list beats social followers</title><link>https://mjng-hub.pages.dev/guides/email-list/</link><guid isPermaLink="true">https://mjng-hub.pages.dev/guides/email-list/</guid><description>You own the list. Platforms can change the rules overnight.</description><pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate></item></channel></rss>