If you are struggling to keep your bank account in the black, it may be because you lack a quality long-term financial plan. While it is important to have daily, weekly and monthly budgets, the secret to true financial freedom is to have long-range aspirations. Let’s take a look at why taking the long view is important to your financial success.
In many cases, simply having a goal to strive for will help you to change your ways. For instance, if you decide that you want to save $1,000 in the next six months, it forces you to think of ways to meet that goal. One possible way to meet that goal is to save $10 a week from each paycheck as well as put your upcoming bonus into a savings account. Whatever you decide to do, it will necessarily require you to reconsider how you view and value money.
Banks Look at the Long-Term
Regulations have banks and institutions looking at qualitative factors over at least 12 months. However, both qualitative and environmental factors can come into play when a bank makes a lending decision. By creating a long-term financial plan, you can address both types of issues and decrease your risk profile. For instance, planning to save a larger portion of your paycheck may prevent you from paying your bills late. By paying your bills on time, you will see an increase in your credit score. Ultimately, lenders will be more willing to work with those who have a good credit score and the means to pay back a loan in a timely fashion.
Financial Habits Take Time to Develop
It is easy to open a savings account or commit to paying a bill on time once or twice. However, it can be difficult to constantly put money in that savings account or pay that bill on time until the entire balance is paid off. By taking a long-term view, you give yourself enough time to develop and reinforce good habits and drop bad ones. It is almost impossible to improve your credit score, save up for a house or pay off your debt overnight. However, it is possible to accomplish those or other goals over a period of several months or years. On the road to achieving them, you will likely develop good financial habits that stay with you for the rest of your life.
Successful women often overcome incredible challenges to reach influential positions. These challenges range from stereotypes to overcoming the personal dilemma of having kids and family vs work, to other social pressures. Fortunately, society is progressing, and as more women begin to take on positions of business, political, and scientific leadership, more stories will unfold to inspire future generations.
Here are the 3 Great Places to Find Inspirational Women
Sheryl Sandberg (Facebook), Meg Whitman (eBay, Hewlett Packard Enterprise, Quibi), Ginni Romerty (IBM), and Ursula Burns (Xerox) just to name a few have set incredibly high standards for all technology leaders including men and women. Despite technology being dominated by men, these women (and more) have carved paths for women in business and technology.
Technology is a great place to seek inspiration for leadership as well as innovation which has vast potential to change the world. These leaders in tech will provide inspiration for centuries to come.
Liza Koshy, Lilly Singh, Jenna Marbles, and Lindsey Stirling top the list of some of the most successful YouTubers today. While fans may recognize them for their incredible talents and humor, those in the industry (YouTube which has turned into an industry in itself, and even Hollywood) recognize them as major brands. Off camera, the top YouTubers are often represented by some of the top agencies and management companies in the world.
Most fans might not realize the incredible hard work that goes in to building the followings some of these women have. But look through their history of videos and you will see a transformation, and not an overnight success.
Lorna M. Mahlock (United States Marine Corps General), Bailey Weis (First Female to Complete 2nd Phase of USMC Special Forces Training, and Dr. Sonja Stribling (Army Officer Veteran Now Business Success), combined with the wave of women entering the military and joining infantry forces. These are some of the toughest women on the planet who complete some of the most rigorous physical training in the world.
In a world where the border between political correctness and offending someone is thinner than origami paper, this is a group of women where recognizing the differences between men and women provides great substance. Because the women whether in sports or military who compete in physically rigorous activities arguably overcome more difficult barriers than a glass ceiling.
It is a bit harder to find the stories of these women probably because they are few, and a bit too busy doing military activities and do not seek publicity during their careers. Fortunately, their stories occasionally pop up in the news.
While there is still much progress that needs to happen, knowing where to look for inspiration, and what you’re looking for (toughness, rags to riches, or business dominance) can help open up new mentors and role models. And be sure to keep an eye open for inspirations in your own industry, or places that are unique to your interests whether they be men or women.
In past generations, breaking into business meant that you needed a degree in business management or administration. Today, with technology and information at our fingertips, it’s much easier to break into business without a degree than ever before. Here are three ways you can get started in business without having to go through any additional schooling.
Start a Start-Up
Getting involved in a start-up is one of the easiest ways to break into the world of business. Being part of a startup allows you to present your strengths in a team environment. This is ideal because that means that you can handle aspects of the business where you offer the most value, while other team members can be a part of the business and bring their skills and value to the table.
With a start-up, because you are solely focused on what you do best, it makes the likelihood of a successful business more possible because you and the other team members won’t be firing on all cylinders.
Owning a franchise is one of the best ways to break into business without a degree because it’s essentially a business in a box. Top franchises have rules and standards that each franchise owner will need to follow. As long as you stay within that paradigm, your chances of success increase greatly.
Franchises are a huge time investment, so when choosing a franchise it’s important to select one that you feel will be worth a lot of your time. For example, if you’re not a foodie, don’t buy into a food franchise. Instead, consider a bookstore franchise or health club franchise if those better align with your interests. That way, you can be more passionate about your franchise and feel less burnt out when clocking long hours making it successful.
Freelancing is a low-cost way to get started in business without a degree. Using the skills you already have, you can take your knowledge and apply it to helping other businesses and entrepreneurs be successful in what they do. Freelancing is ideal when you consider the fact that, if you spent 10 or more years within an industry, then you’ve learned a few things that give you knowledge and expertise within that niche. You can then take that knowledge and help other people grow to a level of success that they’re looking for.
These are three of the best ways that you can break into business without a degree and be viewed as an expert in your industry. Whichever one you decide on, remember to do your research so that you can match your interests to the right option for you.
Do you want more articles on starting your own business? Check out these articles:
Job searching is tough, though not impossible. But before you get to the actual searching part, there are things you need to do beforehand. Here are 3 tips to honing in on your job searching skills so that you can find the best job for you.
Ask Friends and Family
Before you set off to search for a job, it is wise to start looking through the sources that are readily available to you. Top Resume talking to your friends and family members to see if anyone has heard of job openings. They may have some in their own companies that they work for or may even be hiring managers themselves. Finding jobs through word of mouth is one of the easiest ways to get a job. This is because they can set you up with personal phone numbers, or even set up a meeting time so you can make connections with their connections. Whatever the reason or scenario, start here first. It might surprise you how many of your friend’s or relatives’ companies are looking to hire.
Touch Up Your LinkedIn Profile
Linked in is a valuable online tool that helps both job seekers and employers find each other. Through the use of personal profiles and questionnaires, you will receive notifications from companies looking to hire in your desired field. Make sure that your profile is up to date with all the necessary information that employers need to know. Stevens-Henager explains that although many job matches on LinkedIn happen organically, much of the genius of LinkedIn is found in the number of connections you have. If you meet a new employer or really anyone, add them to your connections list on LinkedIn. This will help you gain leads to new jobs.
Utilize Classified Ads
LinkedIn and other online tools are not the only ways to successfully search for jobs. The Job Network suggests looking through your local newspaper’s classified ads section. Here you will find all sorts of local jobs, as well as remote jobs you might find interesting. Classified Ads are handy when you don’t want to sort through the entire internet for jobs. Plus, most ads provide a phone number in the description. So, pull out your newspaper during breakfast time and make some calls throughout your day. Keeping keen ears, touching up your online profiles, and utilizing the newspaper are all essential to the beginning of your job searching. Represent yourself in a professional and bold way and you will be sure to find great jobs.
“I won’t read this book because it is going to tell me something I already know or heard about, and then go into some bizarre explanation about how it will make me richer in happiness, but give no practical advice on how to bring more money into my life because that is what I really want… money, not gonna waste my time!”
(I also wondered if it was written for women, and although I think the person most likely to read “The Secret” is a woman, the book has remarkable ideas for both genders)
Having a science background where “law” means “law,” I wouldn’t accept anything “unscientific” that called itself a “law” such as “the law of attraction” which is ultimately what “The Secret” is about.
Part of me debated whether I should add that into this review. On one hand, as soon as you “think you know” what the law of attraction is, you may move onto the next piece of content – I know I would have. Because keeping it a secret is part of what adds to the allure of the idea presented in “The Secret.”
On the other hand, I think it is important to share because anyone who does their research could figure out it is about the law of attraction anyway.
That was until almost 10 years later when I finally made a decision to read it. It didn’t just have to do with the fact it is one of the most well-marketed books. The marketing or testimonials didn’t sway me. If you have a chance to look up the history of how it was marketed, I would recommend it.
But something I heard, combined with the fact I was starting a new job and wanted a book that would help me start with enthusiasm, and that ended up being “The Secret” by Rhonda Byrne.
I wanted to attract sales, good co-worker relationships, and good energy from potential clients. And I felt as if some of the ideas were very valuable, but let’s stay focused on the content of the book, not on my anecdotal experience which could change for everyone.
“The Secret” by Rhonda Byrne is a collection of pearls of wisdom, philosophies, and ideas from some of the leading thinkers, coaches, and mentors on the law of attraction. It was a very quick read that made me want to read more to see more ways I could apply the law of attraction into my life.
The organization and format of the book are digestible for anyone to get started in applying the law of attraction into their lives. I would have liked to read even more.
If you are interested in learning about the law of attraction and how you can attract your desires into your life, I very much recommend “The Secret” right away. It is a very engaging read, fast-paced, and will give you many great ways to apply it to your life, and if you already are applying it – how to improve your application.
If you are still skeptical of anything that sounds like “law of attraction” you might be like me. Someone who “doesn’t need any of that self-help stuff” in their life.
But let me say that it is about more than just “self-help.” It is about taking a close look at yourself, and what it is you desire in life, and making the effort and taking the action to open yourself up to such wonderful wants.
If you want more money, or a new car, or a new house, have you really taken the time to sit down and define exactly what it looks like? Have you pictured the exact number in your bank account?
If you want a relationship, are you truly doing everything you can to be the person who would attract a relationship?
If you want better health, are you taking the actions to attract those activities that will help you have better health?
If you are not getting what you want, there is a reason for it. And “The Secret” by Rhonda Byrne does a fantastic job of addressing many of the reasons why people who “hear about the law of attraction” fail to use it appropriately.
By bringing together some of the leaders on the law of attraction, Byrne compiles a wealth of information and stories that can help you attract your desires.
All in all, I give the book a 4/5 because it introduced a concept to me that I should have given more value to earlier. I felt the book could have taken the idea a little further, but also, you may even argue that they went “just far enough” to explain “The Secret” without overexplaining, which could lead to an overly drawn out book. Even though I don’t think they do the best job of making “the law” of attraction “a scientific law,” (compared to say “The Law of Success” by Napoleon Hill) Byrne does a fantastic job of explaining it in a way that every person can apply it. And if you apply it effectively, I know it will get results.
P.S. “The Secret” is a very worthwhile read. If you really don’t feel like spending less than the price of lunch, go visit the local library, and pick it up. It is very much worth the incredible story and packaging of the law of attraction in a way that you can start applying it right away.
You can earn money to travel the world using Instagram methods, and I will explain it to you step by step.
Before we get started, let me explain to you the technique that other internet marketers are using to make money on Instagram.
The typical method to make money on Instagram is usually:
1) Pick a niche
2) Pick an affiliate or CPA program that could be sold to said niche (1). (Affiliate or CPA programs essentially provide ways for you to sell other peoples products. If you are great at marketing and don’t want to develop your own products, that is a great way to essentially outsource your product development. There are thousands if not millions of products to sell.)
3) Create a niche Instagram page
4) Add the affiliate or CPA program in a link in the bio description
5) Use some combination of posts and call to action to click your link. For example, a person in the fitness niche may market a supplement product and entice people to purchase their supplement product by clicking to it.
So I combined and came up with this method for anyone to earn money to travel the world.
So here it is.
1) Pick a target audience within the travel niche: Maybe you can target people who travel for leisure, people who choose to travel through Europe, Islands, USA, or you can use it specifically to fuel your own adventures (and make the Instagram revolve around your amazing life). This can just be a general Instagram “travel” page, but why be the same as everyone else?
2) Start an AirBNB account and register for the “Invite” friends program. Every time someone signs up they get $40+ (toward their vacation) and you get $20+!
Again, this means every time someone starts an AirBNB account through your link AND rents a place through AirBNB, you will get $20+. I say $20+ because sometimes I get $30+ per person who registers. I don’t know how that works, but sometimes I get the chance for more money if I recommend people.
And to clarify, the person does not pay you any money. They are simply going to save money on a trip they were likely already going to take!
3) Gather between 30-50 photos tied to your travel page (you can use a creative commons website like zipplist.co to find them for free)
4) Start the Instagram page for your travel page based on part (1), and pick 30 hashtags. Also include that you can get someone $40+ for there next trip. People need an incentive!
5) Add the link to your Instagram page, and include it with the different posts of those photos from part (3).
6) Keep posting.
You can even use this copy that I wrote:
Be spontaneous, here is $40 towards your adventure.
Do you have an unplanned weekend coming up?
Probably not, because maybe you are a workaholic… but you deserve a little spice.
Even if you have work to do, take your family to a nice cabin or condo near the beach – and do your work IN STYLE, with frequent breaks of course!
One of the most popular ways to travel today is through Airbnb where you can:
+ Book locations all across the globe – Your options are limitless
+ Find an exotic private space, perfect for you and your family – Change it up from a hotel
+ Experience a new destination for a day, week, or month – You don’t have to take a full on vacation, but you can, the choice is yours.
Sometimes a change of scenery is good enough to give you a recharge.
there is a bright sunny beach you wanted to stay near…
there is an outdoor hiking adventure you wanted to take…
there was a special someone you wanted to experience the city with…
Airbnb has a place for you.
A space that feels new, interesting, or even nostalgic. Try it out, even if it is only a couple hours away over the next weekend.
And on top of that, if you use this link below, you can get $40 off your first adventure.
We’ve all heard of toxic workplaces and the effects of a negative work environment can bleed into your personal life. Anxiety and depression are common symptoms of work environments that are too stressful and quite often, negative interpersonal relationships are at the heart of toxic workplaces. But if you want positive relationships between colleagues, bosses, and employees, you need to be proactive with finding ways to create better relationships and here are some of the best ways to do that.
Practice Clear Communication
Poor communication is at the heart of a lot of workplace conflict. When people communicate more effectively, all people involved are more likely to get what they need. JustWorks explains that to create productive communication, both parties need to take turns actively listening to others so that all parties have the opportunity to voice their concerns and be heard. And if you’re the boss, there are many ways that you can create trust and open the lines of communication between you and your employees.
Thoughtfully Consider Those Around You
Create meaningful connections with the people around you. When you want people to treat you well, you need to understand that it’s a two-way street. Make sure that you’re taking the time to think about the needs of the people around you, and make sure that you’re thinking about ways to make other people’s lives easier. This doesn’t mean that you should become a doormat for other people, but it’s always good to lead with generosity so that you know that it isn’t you who is creating a negative environment. Iris Healing Retreat explains that empathy and creating meaningful connections with others can go a long way toward dissolving feelings of resentment people may have towards others.
Use Team-Building Activities
It’s important to take the time to create a sense of trust, a feeling of connection, and a sense of teamwork. You can accomplish this through team-building activities. Crew App explains that many people feel a sense of accomplishment and camaraderie when they solve a problem together, and you can create opportunities for people to learn communication and teamwork skills through activities, such as Minefield and Escape Room. Taking an hour or two extra per week to develop a healthy work environment pays for itself many times over in terms of employee satisfaction, lower turnover, and more mentally healthy people who are able to make good decisions. Toxic workplaces are a threat to any business, but with a few strategies, you can help create a work environment that people look forward to coming to every day.
Learning more about relationships in any capacity can greatly help you become a better communicator in general. Check out these relationship resources so you can communicate more effectively!
This article is not written to persuade or dissuade anyone from getting plastic surgery.
Whether you want a chin augmentation, loose skin surgery, breast plastic surgery, a thigh lift, or you’re just thinking about what your rhinoplasty cost will be, consider reading the book “Psycho-Cybernetics” by Maxwell Maltz first.
Because… Beauty and success is something it would benefit you to prepare for. If and when you do get the nose surgery you have been looking for, and you look completely different, will you be prepared for it?
Maxwell Maltz was a plastic surgeon who studied why some people who became more beautiful overnight through plastic surgery did not become happier or confident. Some did become happier and more confident, but others became more depressed. And he decided to study this phenomenon and write a book about it.
You’ve probably heard it before.
“Money can’t buy happiness.”
“Beautiful people have sad eyes.”
“You’ll just want to get more fixed.”
As I mentioned, this article is not written to preach about the philosophy of happiness or that being happy is more important than being more attractive because being more attractive can impact your self-esteem and maybe even career or family.
But the fact remains that some people who become beautiful do not “grow into” their beauty (at least not right away). Maybe because they did not prepare for it.
“Psycho-Cybernetics” does a great job of helping readers of all types manage their self-esteem. But it is especially relevant to anyone who is considering or has undergone plastic surgery.
Pretend for a second you are unconcerned about the plastic surgery costs, and you already know who the best plastic surgeons are. Step into the future of how beautiful you imagine you will be.
If you are the humble type that just wants to “fix something that always bothered you… How prepared are you for more attention? Or how prepared are you to accept that you are suddenly at least “perceived” as better (not that you believe you are better, only that people start to treat you “differently”) by others? Or maybe you do not feel as if you deserve what it is you thought you wanted: more beauty.
Or what happens if you believe that you are uglier? Not because of a bad surgery, but because you have not worked on your confidence enough?
Those are some real dilemmas people can end up facing according to “Psycho-Cybernetics” by Maxwell Maltz.
There is a psychology behind self-esteem, identity, and how your perspective changes when you enter a new phase of life.
If you want to live among the stars (it is ok to admit that you want to be beautiful and famous, there is nothing wrong with that) and be highly successful (and eventually well-known), there is some preparation you might have to do. If you want to receive fame and recognition for your beauty, or just be seen as more beautiful one day be sure to read “Psycho-Cybernetics.”
It will help you prepare yourself.
And if you already did your jawline surgery or thigh lift and look fantastic, and are unsure why you still feel “incomplete”, “Psycho-Cybernetics” might be able to help you find some answers, or at least provide you with some exercises to work on.
For most people, beauty doesn’t just suddenly happen. And some people have time to adapt to their changes which can happen over many years. Therefore, it might be a good idea to prepare beforehand.
Even if you want to live a regular life and not be called on to be on the pages of a beauty or fitness magazine, you could still get some value out of Maxwell Maltz’s book to help you become the best version of yourself (and truly believe it).
Maltz does a great job of applying his knowledge as a doctor in a way that could help and benefit a lot of people.
“The 7 Habits of Highly Effective People” by Stephen R. Covey is one of the most successful selling books on personal development. And I really like how Stephen R. Covey touches on the concept of habits because I have this theory that, if you can build habits that make people successful (or in this case effective), then you can essentially automate success (or effectiveness).
Because what are habits after all? They are things we do automatically and they can include nervous tics, reactions to stressful events, and even the way we treat other people.
The cliche quote “fake it til you make it” comes to mind. With reference to “The 7 Habits of Highly Effective People,” in theory, if people can learn the habits of successful (or effective) people, and just start “faking those habits” over and over and over again until they become a habit, then that person can thereby have a habit that makes them successful or an eventual success, or highly effective.
The popular topic today is “computer automation” but I believe there are things that people do that are automated in life as well, and we call those automated activities or behaviors habits.
Therefore, anyone who wants to be more effective, which I believe eventually leads to a successful life, will need to learn the habits of highly effective people, then apply them. And “The 7 Habits of Highly Effective People” does a remarkable job of establishing what those habits are.
Isn’t it great to have someone who narrows down the habits for you? No need to study the lives of hundreds of people and find the common factors, unless that is what you want your business to be. But if you want to get straight into the details, you can just learn from Stephen R. Covey, and that is why this book is totally worth it.
Now, although I feel this book has a tremendous lot to offer, I think it misses the mark in a few areas as well.
We’ll start with some things I disliked.
The element I disliked is that the book is very perfectly designed for who I believe are “corporate types.” Most people who are seeking self-help or personal development might not pick this book up because people want to be “successful” but they don’t really care about what it takes to be “effective.”
But Covey knows better than to oversell ideas to corporate biz dev guys. Words like “The 7 Habits of Highly Successful/Wealthy/Productive/Famous People” just would not work.
Also, the writing feels very “corporate-y” in style, and the book did not keep me engaged enough and took me a while to finish reading the book even though I knew the information was valuable. He does add some great personal stories though.
Again, it is a great book that targets its’ audience very well, as opposed to trying to appeal to the “get rich quick” audience. Because habits of success are not built overnight, so this might be for the better.
My final dislike is that I personally love “how-to” books. Having read “Think and Grow Rich,” Tony Robbins books, NLP training manuals, and works by Brian Tracy, I am spoiled by personal development books with actionable how-to’s and practical steps with their main ideas.
And “The 7 Habits of Highly Effective People” does a great job coming up with and presenting ideas, but could do bit more on providing ideas with which to execute on. For a book on such an important topic of building the right habits to be more effective, it goes very little into getting you to establish those habits. Sure it is a motivational “get started now” type of book, but it could dive just a little deeper into the habits and how they apply.
And now for the good…
There is a reason “The 7 Habits of Highly Effective People” has sold over 30 million copies, and Covey has worked with some of the top leaders in the world. Because the book is fantastic at bringing together very high-level habits of effectiveness. They include what highly effective people do, and why their methods are effective.
He also shares many personal stories that tie in well that demonstrate the effectiveness of his proposals.
Furthermore, Covey does a fantastic job of tackling both personal and professional growth, and breaks down some very important ideas into behaviors such as being a better negotiator.
Overall, I would give “The 7 Habits of Highly Effective People” a 3.5/5. It knows its’ audience very well, and is very well organized. However, for me personally, I was looking for something to really shake me up when I read a book that has had such success with such raving reviews.
Maybe I was just not the target audience, and maybe it was over-marketed. But regardless of my opinion, as someone who studies personal development in depth, and creates personal development content, it has a lot of great information and could be a very beneficial read for anyone who wants to be more effective in any area of their life whether it is family, professional, and even in physical health.
P.S. Building the right habits can change your life and even help you automate yourself to achieve the things you want. If being an effective employee, entrepreneur, leader, family-man/woman, student, salesman, engineer, and anything else is something you think will be of value to you, be sure to read “The 7 Habits of Highly Effective People.”
Once when I was selling IT hardware for a big company,
And once in 2019 when I moved to a new city and was starting a new job. Each of these readings was a couple of years apart.
Two of the common complaints I find from people who have not read the book include “the title sounds stupid and manipulative, I want to make friends, not win people, life isn’t just about winning friends and influence!”
The second complaint is “this book can’t work for me, I am not social, attractive, or interesting enough.”
And here is the thing…
First, the book is not about manipulation. Influence is not about manipulation. Everyone learns about influence from a very young age, and some just become better at it over time.
Don’t put down the importance of influence in life simply because you are not yet good at it, or you envy those who are incredibly influential. And there is nothing wrong with having to “win” people over. Most people are too busy to make friends with everyone in the world. Friendships and personal and professional relationships can take time to craft.
How can you expect someone important and busy to just suddenly become your friend? You shouldn’t expect it. Sometimes you have to win them over, and not by beating anybody at tricking them into thinking you are a cool and interesting person. It is by applying some of the age-old wisdom of “How to Win Friends and Influence People” which everyone and anyone can learn to apply.
To address our second complaint, if you truly, deeply, stubbornly believe that “‘How to Win Friends and Influence People’ can’t work for you, and that you are not social, attractive, or interesting enough,” then there may be other books to look into.
Yes, the cover says it is “The Only Book You Need to Lead You to Success,” and while I believe it can help everyone, there might be a big personal barrier of skepticism of your own ability that you have to first overcome.
“How to Win Friends and Influence People” does a great job of presenting the core of how all great personal and professional relationships begin and flourish. And that knowledge is valuable for business leaders, salespeople, world travelers, entrepreneurs, entertainers, artists, and more…
How to become an incredibly valuable employee at a company
How to attract people who you might perceive as “more successful than you”
How to be charismatic and likable even if you are an introvert
What it takes to grow a business whether you are a contributor or the owner
Why some men and women seem to form valuable relationships with ease, and others struggle…
And for all of that wisdom, I give “How to Win Friends and Influence People” by Dale Carnegie a 3.5/5. Many books have been adapted off Carnegie’s book because (and this is my personal perspective) there has been a need to adapt his wisdom for the modern world. Communication is changing incredibly quickly. And the great thing about the ideas in “How to Win Friends and Influence People” is that everyone can take action on them. But in order to get the most out of the work, is to put in work, and to throw in personal substance. I also disagree that it is the “only” book for success since I am a big biased fan of “Think and Grow Rich” and “The Law of Success.” But it is a great foundation from which to build that teaches ideas that cannot be found in Napoleon Hill’s work.