If you’re a human who uses the internet, you’ve probably come across Sand And Sky – the Australian Pink Clay Mask and Exfoliating Treatment said to be making everyone’s face brighter than sunbeams, but does it really work?
Writing good content for the web isn’t rocket science, but there is a formula to it and I’m going to show you how it works.
WAIT: If you haven’t read part one of this series, How To Be A Good Content Writer, you might want to go back and check that one out first. Don’t worry, I’ll wait :)
Now that we’ve read part one and we know our directive is to solve the reader’s problem, here’s how to action that directive:
Step 1: What problem are you solving?
Think about what a reader would possibly have to gain by reading your piece – what’s their problem, and how could you frame your article to help solve it?
Better still, think about what they be typing in to a search engine to find your article (aka the solution to their problem). It might help to put yourself in the reader’s position – if you had the reader’s problem, what would you type in to a search engine to find a solution?
Here’s an example:
You really want to write about your favourite brand of tote bag, Cragle, but you don’t know how to angle it.
Think about why a reader would be looking at tote bags online – what problem could they be trying to solve? I know that if I was looking at tote bags, it would probably be because I was looking to buy one. I would want to know I was purchasing the very best tote bag on the market that suits all my needs (not too expensive, durable, eco-friendly, ect). In other words, I’m looking for a review. That’s where you come in.
Your topic: Your personal favourite brand of tote bag, Cragle.
Reader’s problem: I don’t know what tote bag to get.
Reader’s search engine query: Tote bag reviews.
Your article: Cragle Tote Bag Review
If you’re not sure what angle to use, do a quick Google search and figure out what other content writers are saying about your chosen topic, and how they’re framing it. This will reveal a lot about the market you’re trying to appeal to and give you an idea of what they respond to.
Step 2: The Solution
Reader’s hate surprises, so provide the solution at the beginning.
This piece of advice comes as a shock to some, but remember in the last post when we talked about the human instinct to use less energy to survive? This is where that comes in to play – the reader has a problem and they want to use as little energy as possible to find the solution. Food blogs are a great example.
Anyone who has ever looked for a recipe online has probably found a series of food blogs and found themselves trawling through paragraph upon paragraph of details about why the blogger invented the recipe, what was happening in their lives when they first made it, why nut milk is better than soy milk, and how much they love macadamias but couldn’t find a way of incorporating them in to the recipe, ect, ect, ect. This goes on until you get to the very end of the page and find the full recipe. Scrolling through all the information is frustrating if you’re not a follower of their blog – it means you’re not interested in all that extra information, you just want the recipe – the solution to your problem.
I’m not saying I don’t appreciate what food bloggers do – they’re not simple recipe sites, they’re blogs, so there will be blog posts – but when you’re just looking for a simple recipe, often you don’t want to scroll through what can be a very long post to get to the pot of gold at the end.
Due to the nature of blogging, food bloggers are the only ones that can kind of get away with having the big reveal at the end. If you’re not a food blogger, don’t hold the solution for ransom until the end – the reader will probably click out of your site.
Step 3: Structure the solution.
We talked a lot about structure in the first part of this series, but now we’re going to dive a bit deeper and talk about length and perspective.
If possible, use the first line of the article to solve the problem, then use the rest fo the article to explain why that’s the solution.
A great piece of content does the following:
Solves the reader’s problem.
Provides useful or actionable information clearly and concisely.
Explains how this solution is the best solution by responding to a series of questions or concerns the reader may have.
Doesn’t place judgement or make assumptions about the reader (eg: where they live, their income, race, political stance, faith, marital status, ect).
The actual information you’ll need to include greatly depends on the kind of article you’re writing, but the general rule to keep people engaged is get to the point.
As a general rule, a blog post should be at least 700 words – 1,000 is preferable, but it depends on your topic. If you’re reviewing something with a lot of specs or components (technology, cars, health, ect), your post will probably be longer. That’s ok, as long as you stick to the point.
While you may be passionate about the absurd amount of tote bags on the market and how many brands shouldn’t bother manufacturing bags because they’re low-quality and they don’t last, it doesn’t mean the reader wants to hear about it – all they want is a new bag.
Skip all that info and immediately tell them why your favourite brand is the best brand, and why it’s so great with a range of relevant sub-headings and key points. If you’re struggling to come up with great sub-headings and key points, look at what other’s are doing and echo them (don’t copy them – that’s illegal – just take inspiration).
Want to know how to ensure your content will be read? Watch this space for the next installment to find out how!
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If you’re reading this, you must be planning on travelling by yourself and omgosh I’m so excited for you and you’ll have the best time. Ever. Ever ever. Buuut you’ve probably realised there’s a lot of information to wrap your head around (when’s the best time to book flights? Should you get an international money card?) – it can be overwhelming, so I’ve broken the hard bits down for you to make it all a bit easier to digest.
Like many, I assumed Banff would be a beautiful, tranquil town nestled in the Canadian Rocky Mountains. Locals and tourists would hike or ski most days, and the silence at night would be a nice change from city life. While it’s definitely beautiful, nestled in the Rocky Mountains, and everyone does like to hike or ski on weekends, it’s anything but quiet or tranquil.
Moving to Canada and want to know the best Canadian bank account for foreigners? Sit back, take a piece of maple fudge, and prepare to figure out how to access your cash.
The day you arrive in Vancouver, you'll probably realise the only bank cards you have belong to your respective homeland, and that they're charging you a premium to access your own cash from another part of the world, so you'll want to set up a Canadian bank account pretty quickly – but which bank to go with?
There are a range of factors that go in to this decision because, well, banking in Canada is different. Here are five reasons why:
- Your 'chequing' account is your everyday banking account. Your 'savings' account is literally a savings account, and you will be charged to access money from this account (my bank blocked my ability to use the 'Savings' feature on debit machines so I could avoid these charges). Many banks also hardly give you any interest on anything in your savings account.
IMPORTANT: When you use your debit card, make sure you hit the 'chequing' button. I don't even know why they have a 'savings' button, but they do, and you'll be charged if you use it.
- Monthly fees are a usually part of life, and they range from $5 - $30. You can get around this by joining a bank that is traveller-friendly, or a bank that waives the charge if you keep you balance above a certain amount (more on those later).
- You're often charged to use ATMs. This can include ATMs belonging to your own bank, and charges range from $0.99 - $2.50. Depending on your account type, banks will often have a set number of ATM and teller transactions you can make per month – if you go over that limit, you'll start getting charged for your transactions.
- Credit cards are a bit of a necessity. There are a surprisingly-large number of systems in place that do not allow you to use a debit card. For example, you cannot set up your Compass card (public transport card) to automatically recharge unless you have a credit card, pre-pay for a ferry to Vancouver Island, and a bunch of other weird things. I'm not suggesting you get a credit card, but a few things might be easier if you do, so it might be worth looking in to a bank with a no-fee credit card.
- People still use cheques, and cheque books cost $40... Who knew? Sometimes rent or bills has to be paid via cheque, and some employers will ask you to send them a void cheque so they can get all your banking details right. I haven't needed a cheque book at this stage, but it's probably worth asking the banking gods about them when you sign up for an account – some include free cheque books.
Having said all that, it's very easy to avoid these fees if you play it right, so read on! I will talk about that in a bit.
What info do I need to get a bank account in Canada?
Each bank has a different set of requirements, but if the bank has accounts targeted at newcomers, you will most-likely only need the following:
- Work Permit- SIN Number
- ID (driver's license or passport)
If your chosen bank is not newcomer-friendly, you'll most-likely need to show proof of your Canadian address, and/or a Canadian driver's license. It's always best to call the bank before showing up to confirm.
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What bank should I go with?
There are a lot of options, but personally, I think the idea of being charged to access your own money from your own ATM or an in-store debit machine is borderline criminal, so I've only included budget-friendly accounts that waive those fees completely, or at least for a period of time:
Pros: CIBC offers newcomers unlimited transactions, e-transfers, and no monthly fees for one whole year. You also don't need a proper Canadian address to sign up (they let me use the hostel address), and they'll throw in a no-fee credit card that gives you 'cash back' on grocery purchases.
Cons: After a year, they will start charging you monthly account fees, along with additional fees for transactions and e-transfers. You're pressured in to taking the credit card, and the 'cash back' on grocery purchases is credited to your credit card, so you have to use the card to spend it (think about it – it's a vicious cycle). I also actually had consult Google as to how I should pay off my credit card because it's not obvious.
HINT: Don't wait for them to send you a bill (they charge you for that bill) – transfer the money in to your credit account. It looks ridiculous just sitting there, but it counts as payment.
Pros: RBC allows you to set up a bank account from outside Canada, and transfer your own cash in to it via their in-house wire transfer system. This means you land in the country and start making transactions immediately, from any province, without worrying about the exchange rate or ATM fees. They'll also give you a credit card, reduce foreign exchange transactions in-branch for 12-months, and waive account fees and give you unlimited transactions for nine-months.
Cons: You have to phone the bank to set up the account if you're not in Canada, you only have nine-months of no account fees and unlimited transactions, there is a downpayment ($1,000-ish) if you want a credit card, and they're not very accommodating if you accidentally miss a credit card payment (I heard a horror story where someone was signed up for the wrong type of credit card. It ended up costing her thousands even though it's not what she asked for, and they made her pay it all back anyway).
Pros: They'll waive monthly fees for a year, and give you unlimited ATM transactions ande-transactions. They'll also give you a no-fee credit card, free safety-deposit box rental for one-year (why you'd need this, I don't know, but the option is there!), and (like RBC) you can can get an account before you move to Canada and access your cash from the moment you land.
Cons: You can only apply for an account from outside the country by international snail mail, and as with the other banks, the freebies will end.
Pros: With unlimited transactions and e-transfers, free access to all Scotiabank ATMs across the country, no bank fees, no bill payment fees (yes, that's also a thing), interest on anything in your chequing account, and a free cheque book, Tangerine is a pretty good option. The best part is these options are available to Canadians and foreigners, and the features never expire, so you could theoretically have unlimited transactions until THE END OF TIME.
Cons: Tangerine isn't my top recommendation because they're not newcomer-friendly. To sign up for an account, you'll need to give them proof of your Canadian address, and be in possession of a Canadian driver's licence (your homeland license and passport will not do). Furthermore, despite being spruiked as an 'online' bank, I had to go in to the branch in Vancouver multiple times during work hours to show them my ID and work permit because they wouldn't let me do it online.
When I finally received my bank card, I realised it was 'client card' rather than a visa debit or mastercard, which means there's no CSV number on the back, and I wouldn't be able to make online purchases without getting a Tangerine credit card. Not impressed, Tangerine. Not impressed.
Nevertheless, I still recommend them because there's no time-limit on benefits.
HINT: Want $50?Sign up with tangerine online, put in number below when prompted, and BOOM! We'll both get $50. Pin: 50086125S1.
Pros: Unlimited transactions, e-transfers, one free international transfer per month, and no monthly fees – all for six-months. They'll also give you a credit card, and interest on anything in your savings account.
Cons: Benefits only last six-months and the account doesn't come with a cheque book. on another note, the credit card limit is $5,000 and they require a $500 downpayment. That may not be a problem if you're good at managing your finances, but it's also potentially dangerous and encourages overspending.
Another option is to go with a credit union. Credit unions are a little different to regular banks because they're more community-driven, and require you to make a one-time investment of around $5 (often refundable if you cancel your account), which allows you to have a say in how the elected board of directors use the bank's money.
Credit unions aren't generally traveller-friendly, so you'll probably need to prove your address and residency upon sign-up, but if you've been in Canada for a few months, you should have a Canadian driver's license and/or bill with your address on it, so that shouldn't be a problem.
Recommended unions include Coast Capital Credit Union and President’s Choice because they offer unlimited transactions, no monthly fees, and PC offers a free cheque book. Another option is Vancity, but you'll have to keep your account above $1,000/month is you want free transactions and no monthly fees.
When I arrived in Vancouver, I got an account with CIBC because they had a newcomer deal and I knew someone that was already with them, and went on to sign up with Tangerine a few months later. I don't regret that decision, but the fact that I had to research a way to pay off my credit card is not ok. I've also seen a few charges on my bank statements that I don't really understand, which bothers me and makes me feel as though they're just trying to take my money. So I do not recommend CIBC.
As annoying as Tangerine was to sign up with, in my opinion, their benefits are unparalleled compared to the banking institutions throughout the rest of Canada. Having said that, I've only heard good things about Vancity and, had I known about them earlier, would have at least looked at going down that avenue.
How do I avoid bank fees in Canada altogether? Sign up with a bank that has a newcomer deal, wait until your benefits are up, then get an account with Tangerine or a credit union once you have a Canadian driver's license and address.
Yes, it really is that easy.
So those are my top Canadian bank account recommendations for foreigners!
Have you moved to Canada and/or Vancouver and had a different experience? Comment below, or tell me all about it!
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Most people learn things when they move to a different country, so here's a list of (admittedly, unexpected) things I've learnt since moving to Canada.
Vancouver is a city full of music, festivals, and events. The hip-hop scene is huge (well, bigger than it is in Sydney anyway), and there are people making new sounds everywhere you look. It's a beautiful thing. But as much as I grew to love it, 90s trash still fuels my soul.
Do not refer to a regular plant that lives in a pot as a ‘pot plant’ in places where weed is legal. It causes all kinds of confusion.
3. Being vegan isn't a cause for concern
Who knew? Canada is so ridiculously un-judgey about the eating habits of others that I constantly want to throw streamers in the air in celebration. I can walk around Vancouver and ask for vegan options, and no one sighs, rolls their eyes, or becomes unrelentingly concerned about my protein intake like they 100-percent would in Australia. Even when you're in a not-so-vegan-friendly town, no one bats an eyelid when you ask a server whether vegan options are available. It’s a brave new world out there, folks, and I’m living it.
4. Nowhere feels as cold as regional NSW
Nowhere. And I’ve now experienced life below -25.
5. I’m still allergic to cats
What a surprise. I thought (somehow) I wasn’t as allergic anymore because I didn’t get flu-like symptoms when exposed to cats in Canada like I did in Australia, so I thought, ‘Oh yeah I can totally live in a house with cats now’. Because I'm an idiot and I like cats. But no. I still absolutely cannot live in a house with cats.
Goodbye flu symptoms, hello super-dark circles under my eyes. I looked like I'd aged 10-years. It was a sad time. I don't know anyone else who this has happened to, but if you're commonly allergic to felines and the symptoms don't show in Canada, learn from my mistake.
6. Hot yoga isn’t awful
Vancouver is yoga central. Even if you're not in to yoga, it's hard not to participate at least once because literally everyone's doing it.
Hot yoga is particularly popular, which is a series of yoga poses done in a 40-degree room with 60 or 90-minutes, and sounds like any Australian’s idea of hell. We spend half the year trying to escape those temperatures, and, well, if you did ‘hot’ yoga outdoors in Australia, it would just be regular yoga.
In Canada I go to class to be warm, and I actually like it. As a former hater of all things 'yoga', no one is more surprised than me.
In Canada-land, sometimes it’s ok to drive around with a cracked windshield, duct-taped bumper bars, and a DIY number-plate scotch-taped to the inside of the back window. Canada makes Australia look like the land of rules, and safety is for squares.
8. Only losers don't garden
Want to impress your friends, your neighbours, and yourself? Make the most of the three-months per year when there's no permafrost and plant some vegetables!
Gardening becomes the biggest deal ever in many parts of Canada in springtime, because why wouldn't it? You can create life, chill out around something that literally facilitates air for you to breath, and you can basically eat for free – it's a no-brainer.
9. Public-holidaying for Queen Victoria's birthday is a thing,but not for Queen Elizabeth II's birthday.
Because nothing screams 'Commonwealth' more than celebrating a dead queen over an alive queen.
I can't even elaborate on this one, so moving right along...
Gone are the days when I would put all my recycling in the one box and shove it outside in metropolitan Sydney on a Tuesday.
These days, I wait until the council emails me with this week's designated garbage, green waste, and recycling days (no, there isn't a consistent designated day for anything), before sorting the cardboards and papers, hard plastics, soft plastics, aluminums, bottles, and compost each in to large, separate containers and placing them all neatly outside, hoping I didn't get it wrong so the recycling gods don't reject my offerings and fine me.
In Banff, I sort all the recycling out in to the same categories, then physically carry it all over the giant bins in the local carpark so bears, elk, wolves, lynx, bobcats, cougars, and coyotes don't run rampant through the town, tearing their way through everyone's food scraps.
11. Cold brew
Who'd have thought that the number-one coffee order in coldest place ever (besides regional NSW) would be cold brew? Australia has been hotter than the blazing fires of Dante's tenth circle lately and, to my knowledge, cold brew is still not a thing.
An enthusiastic guy in a coffee van once sold me 'nitro cold brew', which is basically 24-hour cold-drip coffee charged with nitrogen that's served in a large, head-sized vessel with crushed ice. I got halfway through it and suddenly felt the blood pounding through my ears and my hands start to shake. I had to lie down on a park bench and felt so caffeinated I didn't know what was going on. I did not try cold brew again.
So there it is! However unexpected... So tell me, what have you learnt while travelling?
Have you moved to another country? Tell me all about it!
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Whether you're going casual or fine dining, there are hidden places around the city that are happy to make you Italian-style pizza with no cheese, Vietnamese soup with no shrimp paste, and pancakes with no milk or eggs. So sit back and feast your eyes! This is the best vegan food in Sydney, and these gems are truly amazing.