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 An assessment of the effect of the temporary ban on short-selling in the United States and other countries in the wake of the financial crisis showed that it had only "little impact" on the movements of stocks, with stock prices moving in the same way as they would have moved anyhow, but the ban reduced volume and liquidity.
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Set goals and see your progress.
Now I can elaborate quite a bit on the benefits and drawbacks of both of these banks, but that is another long post for another day.
If you know how to cook, you could start to run a catering business out of your home (but check with your state; preparing food for the public out of your own kitchen can sometimes run afoul of the law).