Category Archives: Financial Education

Nurture your wealth through positive learning with our financial education resources. Empower yourself for a prosperous future.

8 Tips To Avoid Depression When Choosing An Auto Insurance

Business Ideas, Depression Healing, Financial Education

According to Conaset, in 2019 there were about 90,000 traffic accidents in the United States and Mexico. If you add to this the thousands of stolen vehicles, there is no doubt about the importance of auto insurance. Together with the Bestcarinsurancewsa we have prepared this article about how do you choose auto insurance without getting depressed.

There are many reasons why choosing auto insurance is becoming stressful and depressing especially when you deal with the wrong agent or the wrong company. Add the high cost and difficulty to claim and the result will surely be a disaster.

In general terms, the best auto insurance will be those that offer the largest and most varied coverage and assistance at a lower cost. Aspects such as quality of service, response time, and solvency of the insurance company are also of importance.

In the market, there are numerous insurance companies that offer convenient options that adjust to the needs and budget of each user.

Auto Insurance

How do I choose the best insurance for my car?

1.   What do I want to cover?

In the market, there are numerous insurers with different types of plans and extra services that could be very useful in case something happens. The first step to hiring your auto insurance is to think about the risks that you want to cover. In this way, you can choose the service that fits your priorities and why not, know and enjoy the additional services.

From roadside assistance, towing, replacement of the car while your vehicle is at the mechanic, accessory theft, free transfer for technical review, property damage abroad, and even a replacement driver.

Insurance for your car not only serves to cover a claim but also includes these and many other options that will make your experience on the road, a total relaxation.

2.   Fine print

When you are already clear about what plan you will take and with which company, you should carefully review the conditions and terms of the agreement. Once you receive the policy, make sure to check that all the points that are established correspond to those that you agreed with the insurance company.

Put special emphasis on aspects such as the maximum amount covered for each of the contracted coverage, the deductible, the validity of the insurance, the cases it does not cover, the extra benefits, and the deadlines for the premium payments.

3.   Compare coverage

When you receive a quote, do not stay with it, evaluate each of the active coverages: theft and vehicle damage, consequential damages, moral damage, unemployment, accessories, damages due to contingencies, and malicious acts.

Based on the coverage available, always consider that the best auto insurance is customizable, that is, that it adjusts to your needs.

4.   Exclusions, deductibles, and insured amounts

Exclusions are the concepts or risks not covered in an insurance contract, for example, damages due to driving under the influence of alcohol. Each insurance plan has different exclusions, so you will have to read the contract very well.

As for the deductible, it is the sum in UF that the insurer does not cover, but will come out of your pocket. The lower it is, the higher the premium to pay.

When choosing the best auto insurance, compare both deductibles and insured amounts for each coverage.

5.   Liability to third parties

An aspect sometimes not taken into account is civil liability.

If you are involved in an accident, you do not want to go into debt or face charges for damages to third parties, so liability with third parties for consequential damages is basic and very necessary.

6.   Accessibility and convenience

The technology is to be used, which is why today the best auto insurance is quoted and contracted via the Internet, with instant activation and without having to worry about the inspection, since home care is available.

In addition, all communication channels with the insurance company (web, telephone line, WhatsApp) are available 24/7 every day of the year.

7.   Assistance

Stranded by a technical problem? With the best auto insurance, all you have to do is grab your phone and help will be here in no time.

Always look for assistance and additional benefits, such as towing, replacement car and driver, stay and transfer of driver and companions, tire change, battery, and fuel charge, among others.

8.   Support and solvency of the insurer

Obviously, it compares only recognized, registered and solvent companies before the Superintendency of Securities and Insurance (SVS).

What is the most reliable auto insurance?

High and wide coverage, low deductibles, fewer exclusions, a variety of assistance, convenience, and quality of service, but more than anything, when defining which is the most reliable auto insurance, choose the one with the best customization options.

On the other hand, ask yourself concise questions to determine the proposal that best suits your needs: do you need to have all the coverage? Which ones are more important? You may not need to meet the highest and most varied coverage on the market, but you do need the ones you need the most.

Hiring insurance for your car should not be a cumbersome process, and for that reason, we want to show you the number of additional options that you can access. Also, what are the aspects you should not ignore when choosing insurance so that you can make a better and more informed decision?

Is it mandatory to have insurance for your car?

The traffic law establishes that to drive a motorized vehicle you must have SOAP insurance, which is the Mandatory Personal Accident Insurance.

This is the most basic insurance and its mission is to protect people who have an accident in which the insured vehicle is involved.

SOAP coverage includes medical and disability or death expenses. This indemnifies the affected party or the beneficiaries, as appropriate.

Having auto insurance is no longer a luxury and therefore many people choose one to better cope with unexpected situations and enjoy the experience of driving calmly and confidently.

In most cases, by hiring additional insurance for your car, you will not only cover physical damage to third parties but also material damage generated in the accident, if you suffer a theft or the total loss of your vehicle. , among other things.

Positive Words Research – How To Avoid Depression When Choosing An Auto Insurance

6 Tips For Managing Your Federal Taxes as a Small Business

Business Ideas, Financial Education, How to Have Success in Life

The truth is, taxes can always be a time-consuming business, especially trying to make sense of all those complexities and issues revolving around which taxes are due (federal, state, or local), which filing process is required, and what type of taxes each level of government collects. However, it is always important for entrepreneurs and business owners to be able to understand the nuances around these and be adequately prepared even before tax days arrive. So, here are some tips on how to manage your taxes as a business owner.

Always plan ahead

In business, planning is everything and can be the difference between a smooth tax filing and payment, and a long drawn-out process with the IRS. First, have an idea of when to file early, so you can take advantage of early filing deductibles. You can mark out dates in your schedule or calendar every year for the quarterly tax filing and payment dates. Planning also hel[s to minimize your tax burden, and ensure you save money by paying as little as possible.

Make sure a digital and electronic record of every transaction is safely kept, as you will need to go through them when sorting your taxes. Make sure to keep a steady amount of money on the side, so you do not start running around when the date is due.

Figure out how much taxes you need to pay

The first step is to identify how much taxes are due, from local to state to federal. Determining your exact tax liability will help you identify the specifics involved in all obligations and give you the right framework when speaking to a professional. Generally, the task liability of most businesses will be governed by primary considerations such as business structure location, location, and assets.

Taxes are not only determined by revenue and deductibles, other notable considerations will include stock and inventory, structure, size, and the number of employees is also important considerations. Remember that if you are not a sole business owner and have employees, you will need to also file employment-related taxes.

Get professional help

It is always good for you as a small business owner to get professional help, so that all filings and payments are done correctly and under the law. Apart from the need to file correct taxes, professional CPA firms can be a very cost-effective way to get your filings done with minimal effort, and with much fewer complications. They can also help reduce the tax burdens and ensure as much money as possible is kept in the business, which is critical to the long-term success of your business.

As a small business owner, you want to minimize costs as much as possible, so you can either get a software tool to help with filing, or you can also decide to hire an accountant. Both measures can be effective but also quite pricey, an accredited CPA firm can be the best way to go.

It especially is the best option if such a firm focuses exclusively on small businesses, so it makes it easy to evaluate records and make sure it is the right fit for you. If you want to go with a professional CPA firm, Taxfyle is one of the best places to go when you want to file business taxes online. Other important tips to consider include;

Managing Your Federal Taxes

Revenue and Deductions

After proper documentation, it is important to calculate all taxable income so that you can get an appraisal on what you can expect to pay, and how to make a budget for it. A revenue for taxation purposes is any sort of income you receive that is connected to your business, whether it is a product or a service. Generally, the main question is, would this income have been made if you did not start the business? If yes, then it is taxable business income. If not, then it is not taxable business income.

So, how do you determine any deduction? Well, deductions are important if you want to reduce your tax burden and take up as much profit as you can. It would be best if you remembered that tax evasion is different from tax avoidance. The former is illegal, while the latter is legal. With the latter, you are essentially taking advantage of loopholes within the tax system. Common deductions include travel expenses, entertainment, home office deduction, casualty losses, and capital expenditures.

Net profit

An easy way to calculate what you make at the end of the day is by calculating your net profit. First, calculate your entire gross income, which is money made across the board with no deductions. Then make all the necessary deductions such as operating income, cost per acquisition, running costs, inventory, purchases, and other business expenses. The difference is the net profit of your business, for taxation purposes.

If you are a sole business owner, then you are obligated to pay your self-employment taxes from your business income. You can smartly reduce tax liability by choosing the right amount for self-employment and compensation, thereby giving you enough deductibles to compensate yourself, while ensuring that you have minimized your tax liability. Another interesting thing is that you can also deduct this loss against any business income accrued over the business year, or even let it roll over to the future, thereby offsetting income in the following years.

Tax credits

Another easy way to reduce tax liability beyond deductions is by claiming tax credits. The major advantage they hold is that they can be deducted from your business income for your tax bill. However, you need to have a good understanding of how tax credits work, so getting professional is the best way to go. They involve very complicated conditions, which can be problematic for first-timers.

The Bottomline

Taxes can be a frustrating process because apart from their time-consuming nature, they also eat into precious profits. So, it is always best to make the process as easy and seamless as possible, while still ensuring you get to keep as much profit as you can. Following these steps is a good way to ensure that.

Positive Words Research – 6 Tips For Managing Your Federal Taxes as a Small Business owner

How Can Students Tackle Their Mental Health During Pandemic

Financial Education, Health Nurturing, Internet Skills, Mental Health, ,

Nobody expected to experience a pandemic out of the blue and nobody expected the same to last as long as it has. Not only has it affected the global financial and economic stability, but the pandemic has also left students worried about their careers, especially the ones who were likely going to give their qualifying exams this year.

While everyone is trying to do their best to navigate through these rough times, students’ mental health is likely the worst hit. If your child or a student is complaining about not having the best time, you need to listen to them and give them the benefit of doubt that they need to feel the support they need during such hard and testing times.

However, as a student, here’s what you can do to tackle your mental health better during the pandemic.

Understand that it’s okay to not feel your best

Often, students feel the constant need to suppress their feelings because they have been told to excel in what they do. While it is true that studies matter and getting a good education is necessary, as a student, you need to realize that you are doing everything amidst a pandemic, something that is potentially threatening the lives of hundreds and thousands of people across the world. So, to have down moments and to not feel your best during times is completely fine.

Start a blog

Not many would say this to you but there are loads of benefits to starting your blog. You can vent, share and even interact with students who are possibly struggling the same way as you are. In such cases, you need to check host for good service providers, either pay for the hosting or opt for a free one and then start your blog. Not only does it help you cope, but it also lets you positively channel your creativity as well.

Learn a new skill

As a student, you will never really understand the meaning of upscaling and polishing your skillset until you subject yourself to the same. It is not a tedious task but something that does reflect well on your portfolio in the future. However, don’t feel obliged to do something just because everyone else is. If you feel less productive and want to just have a quiet lie-in, that is perfectly fine as well.

Students Mental Health

Talk to a professional

If you have the rightful resources, there is nothing wrong with seeking help during such trying times. However, make sure that you talk to a certified professional who knows what they are talking about. The last thing you need is to be misguided.

Taking care of your mental health during a pandemic is necessary, especially if you are a student. If you want to start your website or online business to cope, find host of website or get started on social media. At the end of the day, you need to do things that would bring you contentment and happiness, even if it’s something that’s not technically productive.

Positive Words Research – How Can Students Tackle Their Mental Health During a Pandemic?

How to Control Your Debt and Grow Your Net Worth Tips

Business Ideas, Financial Education

Unfortunately, being in debt is something many people can relate to and living paycheck to paycheck is more common than not. The types of debt many struggles with been wide-ranging as well, whether it is from their car, past schooling, or medical expenses. No matter the case, owing money can be extremely stressful, especially if you are in a position where you can’t afford to make repayments. Fortunately, there are more possibilities than ever before for getting in control of your debt. Even better? Nowadays, more and more people are going from being deep in debt to grow their net worth to heights they had never imagined before. The first step to achieving this is to understand all the different ways you can approach how you spend and save your money.

1. Refinance

Refinancing remains one of the most popular ways to decrease lower monthly payments. Doing so includes getting a better deal on the often-high interest rates you pay with your current loan. For example, if you have a student loan repayment plan with a high-interest rate, you can consider refinancing the loan with a private lender. The lender will offer you a new loan, often with a much better rate and flexible repayment plan. You can use a student loan refinance calculator to know what to expect to pay. If the rates look favorable, you can check out the top private lender websites and from there you can submit an application.

2. Cut Back on Expenses

This one may seem like the most obvious choice, but it is one that many still struggle with. Fortunately, cutting back on expenses, once you get into it, becomes like second nature. You can do so in a number of ways, including by cooking at home, switching to a cheaper cell phone plan, cutting out unused monthly subscriptions, and making use of coupons and discounts. The cash you save from doing so can help pay for debts and grow savings.

3. Find New Sources of Income

The best way to both pay back your debt and grow your net worth is to find more sources of income. The options for extra income are nearly endless these days. Many take on freelance work, which can involve such things as freelance writing, graphic design, photography, translating, becoming an exercise trainer, or tutoring. Chances are, if you’ve got a skill, you can make money off of it. Like with cutting back on expenses, you can use this extra income on your debt and savings.

4. Invest Wisely

Lastly, where you put your savings can make all the difference in increasing your overall wealth. Instead of just letting savings sit in a savings account where it doesn’t grow or earn interest, put your money in a Roth IRA account. You can increase your wealth tremendously by following this path, especially if you begin investing early. For instance, putting just $100 monthly in a ROTH IRA starting at 20 can see you growing a net worth in the hundreds of thousands by the time you retire.

Invest Wisely

10 Tips to Establish Financial Independence in your 20’s

Financial Education, Meaningful Words

Want to save more in your 20’s? Start building habits right away that can help you achieve this goal because when it comes to saving, consistency matters. For many young adults, managing finances could be quite overwhelming. Once you are out of college, you need to start thinking of getting a house, medical insurance, and whatnot! Above that, you have no experience in managing your finances.

In this article, we are sharing the top 10 ways to establish financial independence in your 20’s so that you can live the life you always wanted.

1. Start setting budgets for financial independence

If you are still in college or have just started working, you must start setting budgets for everything. A budget is just a fancy term for a plan on how you are going to spend your money.

Start with taking note of all your expenses. Include every little thing in this list, from buying groceries to paying for your gym class. Then, see where you can cut costs. For instance, if you are someone who eats out most of the time, try cooking meals at home and see how your savings go up!

2. Do not rely on your credit cards much

Credit cards make it possible for us to get what we want. But, when it comes to paying the bills, it becomes tough. So calm your mind a little and stop yourself from using your credit card unnecessarily. Many young adults have started using their credit cards only at the time of an emergency.

If you are buying anything on monthly installments, make sure to get a no-cost equated monthly installment (EMI). In no-cost installments, the bank charges no interest on your credit card bill. This way you can pay a large bill in a few months. However, large monthly installments would block your credit limit. So in case of an emergency, you might not be able to use your credit card. Therefore, make sure you opt for a small loan.

3. Live a frugal life

If you want to manage your expenses in your 20’s, stay lowkey and authentic. This means even if you have a car, choose public transportation for commuting to work as it would save you money. Do not go crazy behind brands and make sure to spend your money on shopping wisely.

If you have a $300 purse, but you have nothing to put in it, your purse isn’t worth it. But, if you have a $10 purse with $290 in it, the value of the purse automatically increases. You may also try and cook meals at home instead of eating outside. The bottom line is to learn to live within your means and save as much as possible.

4. Say no to borrowing

Whether it be your mother, father, sibling, or any other family member or friend, make sure to borrow no money from them. Then only you will be able to reach financial freedom in your 20’s. Learn to manage your expenses on your own as much as you can. Even if you have to get a loan from them, maturely approach your parents and make sure to repay their loan as soon as possible. Building financial independence is more about feeling financially independent.

5. Check your spendings

Setting up a budget is not enough, you need to keep a check on yourself and your savings. Doing this regularly will help you analyze whether you are meeting your monthly spending goals or not. Gather your monthly bank statements and make sure to balance your accounts and keep track of all the transactions that took place. It might seem a lot right now but once you will get into a habit, it will become easier for you to track your spending records.

6. Avoid impulsive shopping

Do you often shop based on your feelings and emotions? Many young adults go out shopping when they are feeling bored, depressed, or extremely happy. At such times, they shop for things that they might not need and all this disrupts their savings. First of all, make sure you do not shop impulsively. Secondly, make sure you have a list every time you go out shopping. You need to buy things that are mentioned in that list. Do not let any attractive offers lure you. Just a little organization and you will be able to enhance your savings.

7. Make savings a priority

Do you often save money after everything else is taken care of? Well, change this habit as early as possible. Make your savings a priority. Whenever you receive your monthly salary, make sure to save some part of it. Then, keep the rest for investing and paying bills. Many people follow the 50-3-20 rule. Based on this, 50% of their earnings go to their basic needs, 30% of their earnings go to their wants and 20% of their earnings go to investments and savings. You may alter this figure based on how much you earn.

Financial Independence

8. Try minimalism!

This could be your next lifestyle. Minimalism, as the name suggests, means living with the things that you need. We often have this habit to fill our houses with everything. We might have fifty dresses back at home and still won’t hesitate to shop for another one. We never hesitate to buy a new decor item for our house or a new shining bedsheet even if we have many in stock. All this leads to unnecessary spending and would never let you reach financial independence in your 20’s.

9. Look for deals

Daisy, who works as a finance expert at GoDissertationHelp says, “you can save a lot on things you normally buy such as groceries or clothes. All you need to do is wait for the right time. For instance, many online grocery stores offer huge discounts on certain days every month.” Similarly, online retail stores like Amazon offer huge sales on special days like festivals and end-of-season. You can buy clothes, furniture, or decor items on such days.

10. Be patient until you reach financial independence

Learning how to manage your finances is a process, just like taking assignment help. Do not expect yourself to master this technique in just one day. Sometimes you might shop impulsively. Sometimes, you might not be able to save up to 20% of your income. When these things happen, be kind to yourself and do not feel guilty. John, who works as an academic assignment helper says, “your goal should be to watch yourself from spending money unnecessarily and learning from your mistakes. Do not let your mental well-being get harmed while spending less and saving more. Slowly, you will learn to overcome your emotions, and then you will become financially independent.”

Wrapping up

Building a habit to save more and spend less takes time. Hope these 10 tips will help you establish a ritual to save more money in the future. No matter what you choose, never compromise your health for money. You are still in your 20’s. It is great at least you have decided to save for the future. But you still have a lot more days and a lot more potential to accomplish your goals. Just never give up!

Top 5 Reasons Why Insurance is Important in Life and Helps

Business Ideas, Financial Education, How To Do, How to Have Success in Life, Life Secrets

Life insurance is about securing your greatest asset: your own self and life because nothing is more important than your life. As we go through the different stages of life and grow older, find a partner, and start a family, we realize the importance of getting insurance as a long-term plan for financial stability.

Insurance provides you with the financial stability to sleep peacefully, knowing that you and your loved ones are protected and in good hands. The concept of life insurance can be complicated, and it’s more difficult to decide if you need one or not. Here are a few other reasons why you should get life insurance.

1. Inheritance

Nobody wants to leave their loved ones with the burden of loans and no money to live one. Everyone wants their family to be financially secure after their death. Life insurance can help you achieve that by enabling you to build an inheritance. If you don’t have other assets to leave behind as inheritance, you can create a life insurance policy and name your loved ones as beneficiaries. This way, you can secure your children’s future and provide for them even when you aren’t here.

2. Protect your loved ones

Life insurance becomes a must when you are the only bread earner in the house. Life insurance is important when your loved ones depend on your income for a living because it takes care of them financially in your absence. This holds especially true for parents with young children or a spouse that is completely dependent on the other and would find it difficult to sustain a living if their partner passed away. You need to think long-term and keep in mind that you will have to provide enough money so your family can cover the cost of daily expenses.

3. Pay of loans and debts

Your loved ones also need to be free from any outstanding debts and loans. Funeral and burial expenses can easily account for up to fifteen thousand dollars. When you go, you obviously don’t want your loved ones to worry about financial problems along with the emotional trauma they will be going through.

4. Increases financial stability

Everybody wants their loved ones to live peacefully and happily without any financial problems and issues when they pass away. Getting life insurance secures your loved ones’ future and takes care of their education, marriage, and career. But you must see best final expense insurance companies available in the market before you make your decision.

5. Sleep peacefully

Nobody knows when they are going to pass away. Death is inevitable and will eventually occur. No one can ever replace a person and the contributions and love that they have for their family. But life insurance can help provide financial stability and protection in times of need and unexpected events.

Top Reasons Why Insurance is Important in Life

Conclusion

Getting life insurance will, without a doubt, bring you peace and allow you to sleep peacefully at night, knowing that you and your loved ones are in safe hands. Life insurance protects your loved ones from the unexpected events that they may face once you are gone and provide them with care and financial aid whenever they require it.

Positive Words Research – Top Reasons Why Insurance is Important in Life

Trends That Inspire to Study Accounting in 2021 Technology

Business Ideas, Financial Education, How to Have Success in Life, Information Technology, Technology Innovations,

Technology is always shifting its shape to bring innovative features the world has never seen before. It morphs our ideas into reality and transcends our imaginations. Various industries and fields are aware of the changes technology brings. And, even the accountant industry is trying to keep up with such recent technological changes. There are trends that inspire to study accounting. Businesses nowadays understand that there is a need for modernization within their infrastructure regarding accounting practices and processes.

Such a development gives rise to few accounting trends in 2021. Accounting firms and businesses alike are now practicing them to stay relevant in today’s challenging marketplace. We asked over thousands of accounting professionals such as financial advisors and bookkeepers to share with us the leading trends in the accounting field. And this is what we came up with:

1. Companies Are Moving Towards Cloud Accounting Solutions

Cloud computing is slowly becoming the norm in 2021. Since its inception, it has become increasingly popular in the last few decades or so. Whether it be the education sector or the automobile industry, it is changing the dynamic of every industry and sector worldwide. It offers various functionalities, which is making it a favorite amongst the accounting industry.

According to Finances Online research, around 67 percent of accountants prefer using cloud-based accounting. In comparison, over 58 percent of businesses have already incorporated it into their infrastructure. Hence, accounting professionals everywhere continue to embrace this modern trend in 2021. The cloud can include services such as Quickbooks, which is available from anywhere at any time. It provides businesses with stable security features far better than traditional measures while also allowing multi-user access. And all of this is possible for a fraction of the cost of conventional techniques.

Some companies hire new accountants with the latest accounting knowledge. In contrast, some companies spend on their existing accountants to join the latest study program. Accountants can opt for masters in accounting online to fill the gap between their experience and the latest accounting trends.

2. Accounting Task Management Through Automation

Put in a coin, select an option, and poof comes out your favorite drink! Yes, you heard it right. We are talking about a vending machine. When automated vending machines came into existence, they took over from traditional retail stores. They gave people a quick and easy option to buy their favorite snacks and drinks from an automated machine. Similarly, when it comes to a business’s accounting task management, automating these tasks will allow firms to reduce human-related mistakes and errors. It also lowers costs and improves productivity.

Bringing in automated task management allows organizations to experience increased levels of efficiency. Tasks such as payroll processing, invoice generation, and auditing are now safe to automate to make the life of a business owner a little less challenging. It allows companies and firms to cut down on money and time spent to complete tasks and better utilize the resources at hand.

3. The Accounting Field Is Embracing Data Analytics

When talking about data analytics and its benefits, the first example we can think of is Walmart. They utilized data analytics to predict their customer’s buying habits before the hurricane struck. Through the analytical results, they stock pilled on beers and strawberry pop tarts. Their stockpile sold off rapidly and allowed them to earn a lot of revenue in return.

Seeing what Walmart did, other companies jumped on the bandwagon and employed data analytics to monitor customer purchasing habits. Also, predict their behavior, and make better, more informed financial decisions as a result. Accounting professionals and firms alike can also make the same better, informed decisions to increase their outreach. Instead of focusing on number crunching and creating a financial statement, they devise strategies that allow their firms to grow. With the help of data analytics, accounting professionals can now detect discrepancies, monitor financial statements, a client’s transactional behavior, and much more.

4. Remote Working Is Taking over the Accounting World

While the recent Covid-19 pandemic forced numerous accounting firms to close up shop or adopt work-from-home practices, there were millions of people already working from home. Known as telecommuting, which started back in the 1970s, it grew over the decades. Letting employees work from their homes allows businesses to experience great productivity, reduced cost investments, and increased employee satisfaction and performance.

The same is the case for the accounting industry as well. Remote working is acting as a boon for accounting firms everywhere. Instead of improving and expanding their office space, these firms can now hire employees worldwide while not incurring additional office costs. They are also widening their client reach as employees can now work any time and cater to various clients from different time zones.

5. Accounting Firms Are Regularly Outsourcing Operations

When running an accounting firm, customer data is not the only thing you will have to manage. You will need to look after workplace performance, manage customer support, do invoicing, recruit employees, and much more. Various software allows you to handle such tasks efficiently. You will have to spend a lot of money purchasing said software and your staff’s training.

Outsourcing such business operations to avoid extra expenses is now a norm in the accounting industry. For example, instead of acquiring new employees yourself, you can hire a recruitment agency. They will do the entire hiring process for you. You only have to tell them the qualifications you require from an employee. They will provide you with the best possible candidates.

Companies can also hire third-party agencies to manage employee payrolls and customer invoices. Outsourcing all organizational and administrative tasks to third-party agencies will allow accounting firms and businesses to focus on core accounting-based activities. After all, what good is an accounting firm if they aren’t master at accounting!

Trends That Inspire to Study Accounting in 2021

Conclusion

The latest accounting software, cloud accounting, outsourcing business operations, and data analytics are a few top trends in the accounting industry in 2021. They can allow an accounting firm or other business type to make the best use of their resources. So, when you decide to enroll in an accounting degree program, ensure that you keep these trends in the back of your mind. Also, keep in mind that these accounting trends will change day by day, so you have to keep tabs on the latest ones before making your final decision.

Positive Words Research – Trends That Inspire to Study Accounting in 2021

4 Simple And Smart Suggestions To Boost Credit Score

Business Ideas, Financial Education, How To Do, How to Have Success in Life, Ways To Do

Do you often pay high-interest rates on your loans or credit cards? Or, does your lender or card issuer ask you to pay more as EMI than someone you may know? If your answer to any one of the two questions is ‘Yes’, then you are a victim of a low credit score.

A high credit score brings with it several benefits like a low-interest rate, better terms, higher repayment tenure, and broader discounts. Such benefits can conveniently decrease your interest bills than the current home loan or other loans’ interest rates. Read this article to discover four simple yet effective ways to boost your credit score.

The Top-4 Ways to Enhance Your Credit Score

When you apply for a home loan or any other loan, the lender would take a look at your credit score and determine the interest rate. If you want a lower interest rate than the current home loan interest rates, you have to increase your credit score. At this point, it is prudent to note that the current home loan interest rates are the lowest when compared to other loans.

However, before taking steps to increase the score, you should find out the reasons why your score is nose-diving.

Here are the ways you can boost your credit score!

1. Pay More When You Can Afford To

If you have an existing loan, like a home loan, the chances are high that you pay a fixed amount every month. In the case of a floating rate of interest, your EMIs increase or decrease depending on market rates.

As you continue paying the EMIs on time, your credit score slowly ascends to the top. To accelerate the process, you can pay something extra when you manage some extra cash. Doing so can increase your credit score considerably, as it reduces your credit utilisation ratio.

2. Extend Your Loan Term

At times, your lender may tell you the advantages of closing off your loan account, like a home loan, early. The lure of massive savings may prompt you to opt for a short tenure loan. While it’s true that a short duration indeed makes you debt-free earlier, it can also increase your loan bills, making it challenging to repay on time.

In such cases, it is better to request your lender to increase the loan term. As you repay the loan bills before due dates, your credit score would jump healthily and steadily.

3. Keep Your Credit Utilisation Ratio Low

The Credit Utilisation Ratio (CUR) is the amount you owe to lenders compared to your net monthly income. If your CUR is 50%, it means you spend 50% of your net earnings to pay credit bills, including home loan EMIs.

If you aspire for a high credit score, your CUR must be below 30%. A low CUR means less stress on your financial health and better credit score.

4. Keep an Eye on the Credit Bureau

While it may seem too naive a suggestion, it can sometimes be the reason behind a low credit score. There are instances when the credit bureau is late in updating your records or might have updated it incorrectly.

It would be best if you check your credit score at least once every month and point out any anomaly. CIBIL, for example, provides you with the CIBIL Dispute Resolution Form, which you can submit online with details of the error.

Conclusion

Boosting your credit score can open up a door of opportunities. In best cases, you can get a much lower interest rate on your loans, like a home loan, than the current interest rates.

Positive Words Research – 4 Simple & Smart Suggestions To Boost Your Credit Score

Essential Shopping Tips for Students on a Budget Today

Career Goals, Christmas Words, Financial Education, How To Do, How to Have Success in Life, Tips and Tricks, ,

Limited resources can spell doom to your college life. You have limited money to spend on entertainment, personal projects, and crucial academic needs. Save money by getting cheap help on homework. The helpers also allow you to focus on money-making ventures like a job or entrepreneurship.

Luckily for students, there are numerous options when your finances begin to run low. Here are tips to help you shop for supplies without spending a fortune or running out of cash.

Create A Budget

Write down what you need to buy. A list will give you an idea of how much you will spend when you get to the supermarket. You can evaluate the items on the list against the money at hand. The list also helps you to establish priorities. Because the items are on the list, you can identify what stays and the items that can be discarded.

A budget keeps you disciplined when shopping. The discipline will enable you to remain within your budget. You will also tame the spending habits that could lead to your bankruptcy. Always create a budget to help track the expenses and determine where your money goes.

Hunt For Promotions And Sales

Businesses and brands are always offering items and services at a discount. The offers and promotions help you to get the same quality of goods or services at a cheaper price. It will result in huge savings, leaving you with more money for future expenses or allowing you to buy more.

There are seasons that come with plenty of promotional sales. In other cases, brands entering the market or supermarkets opening their doors will run promotions. You should also time your buying to coincide with promotional seasons like Christmas, New Year, Black Friday, and such seasons when prices are significantly reduced. You get the same quality of goods and services but at a lower price.

Utilize Your Student Status

Students receive special consideration from time to time. Students on budget can take advantage of such considerations to save money. For instance, entry to a movie store could be a dollar lower than the ordinary person. All you need is to tag your student ID along.

In some cases, you are requested to make your student booking early. Take advantage of the student status to enjoy premium services at a bargain. The status lasts just a few years. Once it is over, you will have to pay the standard market price for the same services.

Use Cash-Back Apps And Loyalty Points

Stores and businesses entice people to use their apps with discounts. You lose nothing by downloading the apps and using them in your shopping. The promotion maybe once in a while but it will lead to huge cumulative savings.

Loyalty points are redeemed when making purchases. You get goods worth a particular amount based on your accumulated loyalty points. Stick to a particular store to accumulate enough points to use during your next shopping expedition.

Avoid Wasting Food

Food is one of the most expensive items on your budget. You spend on food every day. Buy food at affordable stores and avoid wastage. If the food is too much, you can save it for future help. Learn to prepare leftover foods such that they are palatable. If you can tame your food bill, your budget will reduce significantly.

Living on budget as a student does not mean that your life should be miserable. Budget for your finances and always look for opportunities to save. Adjust your priorities even as you take advantage of your student status to enjoy discounts.

Positive Words Research – Essential Shopping Tips for Students on a Budget

Will Luxury Cars Make You Happy and Have More Success

Financial Education, Gratitude and Happiness, How To Be Happy, Life Secrets,

We all have noticed that billionaire people posting and promoting top-end automobile manufacturers like Mercedes, Porches, and so on. The general people tend to share these posts following the pattern of these materials, making them happy. Now, we are disc what makes you a happy person?

So, does owning a luxury car make you happy? The big answer to the small question is- it depends from person to person. If you drive luxury cars in isolation, you don’t really know how the cheap car performs. The whole, like if you are upgrading to top-end vehicles, it absolutely makes you happy. 

Subsequently, happiness might last for a short period of time. When you get used to car comfort and luxury, you would want to rekindle the lavishness to a higher level. You will find the ultimate luxury experience while you switch back and forth between the basic and the top-end car. As you do so, you will eventually appreciate the refinement of a vehicle.

Nonetheless, the thought process of an individual differs from another. We often lie between the extremities. On the flip side, some people are keen on materialism rather than minimalism. They tend to switch between top-end Mercedes, Tesla’s new model time and again. On the other hand, people prefer driving basic cars even if they can buy luxury vehicles.

Subsequently, buying a used car might help you fulfill the dream if you are short in money. Sideways, rental luxury cars are also on the rise. It’s tough for general people to buy the top-end model of cars because they are tremendously expensive. Buying a used car is riskier than a new one. getting a Revs check report  gives you a clear understanding of engine theft, number plate theft, and stolen VIN records. Thus, get everything inspected when you keep an eye on one.

The worldly people enjoy driving on luxury vehicles, but according to them, the happiness lasts for a couple of days. At the same time, the other group let the broad scope of having the beautiful thing and the happiness last for an entire lifetime. The virtue of joy comes from within. It’s never late to decide what you will accomplish in the days forthcoming.

Some of the luxury cars you can buy right now.

A luxurious car doesn’t mean it’s good to buy. These days, the mid-range car offers the top-end technology and design that flagships provide. There can be some cost-cutting mechanism to the vehicle, but they look identical with features. With the rise in demand, the luxury car market is expected to rise by 10% in 2021. Here are lists of the end-luxury vehicle in the market.

1. Luxury SUVs

2. Luxury Sedan

  • Maserati Ghibli (2020)
  • Jaguar XF (2020)
  • Acura RLX (2020)
  • Volvo S90 (2020)

3. Luxury Convertible Roadster

  • Porsche Boxster (2020)
  • BMW-2 Series (2020)
  • Lexus LC (2021)

4. Luxury Supercars

  • McLaren 720s
  • Ford GT
  • Ferrari 812
  • Ferrari SF90
  • Lotus Evija
  • McLaren Speedtail
Luxury Cars

Best List of 30 Good Words for Prosperity and Abundance

Financial Education, Good Words, Positive Adjectives, Positive Vocabulary, Research On Positive Words

Positive Words Research has compiled a list of good words for prosperity. Look at prosperity not only in relation to money but in relation to every area of your life: good health, love, energy, adventure.

Write on a piece of paper this list of good words for prosperity for 30 days in a raw. Try to think and write details from your life that add energy to these words. Think and remember moments from your life when you felt the below powerful words.

You will feel that some of the below positive emotions are hard to include in your vocabulary. For the positive energies that you feel hard to embody, make a drawing on a piece of paper with a moment in your life when you experienced that energy.

If you find it hard to remember or if you think you have never felt that energy of prosperity, take a deep breath and meditate for 5 to 10 minutes. Then think again. Be sure and confident that every person has experienced in their life every positive emotion from below, but they don’t remember it.

Good Words For Prosperity

  1. GRATITUDE
  2. COURAGE
  3. ABUNDANCE
  4. PROSPERITY
  5. WORTHINESS TO TAKE UP SPACE
  6. SELF-DISCIPLINE
  7. GRACE AND EASE
  8. ACCEPTANCE
  9. WEALTH
  10. VITALITY
  11. HAPPINESS
  12. BELIEVE
  13. LEGACY
  14. OMNISCIENCE
  15. AWESOMENESS
  16. EFFORTLESS EASE
  17. AUTHENTICITY
  18. INSPIRATION
  19. JOY TO LIVE
  20. POWER
  21. RESILIENCE
  22. SELF-CONFIDENCE
  23. I GET PAID FOR BEING ME
  24. MISSION
  25. WONDER
  26. FREEDOM
  27. IKIGAI – a reason for being
  28. LIMITLESS
  29. LIFE IS FOR ME
  30. TRANSFORMATION

Good Adjectives For Prosperity

Find below a list of good adjectives for prosperity to also use them in your practices.

  1. GRATEFUL
  2. COURAGEOUS
  3. ABUNDANT
  4. PROSPEROUS
  5. WORTHY TO TAKE UP SPACE
  6. SELF-DISCIPLINED
  7. LIVING LIFE WITH GRACE AND EASE
  8. ACCEPTED
  9. WEALTHY
  10. LIVELY
  11. HAPPY
  12. TRUST
  13. CREATING A LEGACY
  14. OMNISCIENT
  15. AWESOME
  16. WITH EFFORTLESS EASE
  17. AUTHENTIC
  18. INSPIRED
  19. JOYFUL
  20. POWERFUL
  21. RESILIENT
  22. SELF-CONFIDENT
  23. GETTING PAID FOR BEING ME
  24. PURPOSED
  25. AMAZED
  26. FREE
  27. HAVING IKIGAI – having a reason for being
  28. LIMITLESS
  29. BELIEVING LIFE IS FOR HIM/HER
  30. TRANSFORMED

It is very important to remember and draw a moment in your life when you felt each of the above positive emotions because in this way you anchor yourself in that energy of prosperity.

Share this list with a friend to inspire and lift his spirit.

List of 30 Good Words for Prosperity

30 Financial Affirmations to Attract Wealth and Abundance

Daily Affirmations, Financial Education, How to Have Success in Life, Meditation Benefits,

Positive Words Research presents below a list of 30 financial affirmations to attract money, wealth and abundance. Read these financial affirmations carefully and reflect upon them adding details from your life when thinking.

30 Financial Affirmations to Attract Wealth and Abundance

  1. I get paid for being me.
  2. More money is appearing in my life in unexpected ways.
  3. I deserve money so I can do everything I want to do in this life.
  4. Day by day I can see more money flowing to me.
  5. I spend money wisely.
  6. I am financially thriving.
  7. Money comes to me effortlessly and easily.
  8. I am attracting all the money I want.
  9. I have money like oxygen.
  10. I get richer by the second.
  11. May I and everyone enjoy financial freedom.
  12. I am grateful for all the money I have received.
  13. I am generous and wise with money.
  14. The Universe conspires to give me everything I need.
  15. We live in a friendly and generous Universe.
  16. I seek money and money is seeking me.
  17. I find joy in giving because I have more than enough.
  18. I choose prosperity.
  19. I get to show up and get paid.
  20. I pay my future self first.
  21. Every day in every way, I am becoming richer and richer
  22. Life is full of opportunities to make more money.
  23. I easily tune into the prosperity mindset.
  24. My bank account is blessed.
  25. I release with grace and ease every block that held me back from receiving prosperity.
  26. Every day in every way I am attracting more and more money.
  27. I allow my dream to be supported with money.
  28. I am worthy of receiving money.
  29. I have money.
  30. I have both active and passive income.

Write each of these financial affirmations on a piece of paper and reflect upon them. Also, inform yourself about tips to know and implement in your life so that you can reach financial freedom and independence.

Share these money affirmations with a friend to inspire his prosperity thinking.

Positive Words Research – 30 Financial Affirmations to Attract Wealth and Abundance

30 Financial Affirmations to Attract Wealth and Abundance

Top 10 Positive Words For 2020: Find Your Word For The Year

Financial Education, Inspiring Words, Positive Emotions, Research On Positive Words,

Positive words for 2020 is an article that I think is very much needed in the current situation with the spread of the coronavirus COVID-19.

Based on Positive Words Research analysis of nice words for 2020 to think, so that we can successfully match the current situation, we have discovered some interesting inspiring words.

Our research started by analyzing the negative feelings and emotions that emerged worldwide after the start of the coronavirus COVID-19 epidemy.

Mainly, we have seen an increase in doubt, greed, panic, anxiety, lots of fear, hate, and anger. Also, we have noticed that there was an increase in verbal bullying, especially on social media.

This being said, we have come up with the following list of ten positive words for 2020:

1. HOPE

Hope cultivated correctly is one of the antidots for doubt, together with ease and optimism. It is also said that hope is one of the essentials foods that we need as humans. There are four essential different types of food that we need in order to survive and thrive:

  • The first type of food is “bitten food”; this is the physical food – anything that can be bitten and chewed, like a piece of apple;
  • The second type of food is sleep;
  • The third food is hope, and ancient books describe it as such. A horse strayed into the Sahara, in the desert, and wandered the sands for several days in search of water. Even when he is ready to die of thirst, he smells of water; he crawls on his knees over a hill and sees down an oasis with a small freshwater lake. The idea is – no matter how close the end is – the horse will be able to reach the water. Maybe his body is weak, but the hope is enough to sustain him for the last hundred yards. Hope keeps him on his feet, as we all do.
  • The fourth food simply consists of uninterrupted moments of concentration.

The above four types of food are specified in Geshe Michael Roach – “Love Karma”, pages 150-151.

2. GENEROSITY

Generosity is one of the antidotes for greed, together with altruism, benevolence, self-restraint, and unselfishness.

Making sure that every day you feel generous is the base for prosperity, abundance, financial freedom. Having all the money you need when you needed it comes from a feeling of generosity. You feel the power of the feeling of generosity when you think that all that you need is more than you need it and it is always at your disposal.

Some higher thoughts of generosity will appear in your mind when you convince yourself that you can be paid by being you and there is money for you in the world like the oxygen. Some lower thoughts of generosity, but also very efficient, will come to you if you just believe that you have and you will always have more than enough. Believe that life will always take care of anything you need.

3. LOVING-KINDNESS

Surprisingly, loving-kindness is one of the antidotes for panic, together with self-relief and body movement. Loving-kindness is a difficult feeling to feel, especially to feel it every day and choose it every moment, when needed. Monks practice embodying loving-kindness for years, through many actions that they take every day. But even at a lower level, loving-kindness has tremendous benefits on your mind and body.

Loving-kindness is more than kindness. It is said that if you want to really feel what love is, then practice kindness for two years, then loving-kindness for another two years, then you are ready to practice Love. This practice is done in three ways: towards yourself, towards other people and towards life (the entire existence as it is). Be kind to yourself, to other people and to life as it shows right now.

4. CENTERDNESS

Centeredness is one of the antidotes for anxiety, together with self-relief and body movement. Centeredness is again something challenging to do, especially in these times. Some people center themselves in the center of the Earth, of course through visualization. You can do it too. Just imagine that you are connected with a golden light full of pure unconditional love in the center of Earth.

Besides centering yourself on the Planet Earth, I suggest centering your mind and heart in something higher than Earth. This can be done through a combination of connecting with your higher self, with the six Dimension (the formless dimension full of unconditional love) as it is done in theta healing, with the Holy Trinity (Holy Spirit, Jesus Christ, God) as it is done in Christianity and many other divine connections as they exist in every culture.

No matter how you connect with a divine higher force (power, grace) is perfect. What I want to draw attention upon is for you to do it. It’s more important, not how you do it, but to just do it. Keep your mind focused (connected) on that higher power, no matter how you define it or believe in it.

5. BRAVERY

Bravery is another word for courage and it is one of the antidotes for fear, together with action and fearlessness. Have courage in these difficult times, be brave. Easily said, harder to be done when fear is knocking on your door. But humans are stronger and more courageous than they know. Due to our modern facilities, we have become comfortable in many ways. When our modern facilities are threatened, our comfort gets disturbed.

But we are not machines to operate only in a certain way. We are humans and there are many strong qualities and abilities in us, that are only dormant. Wake up your human abilities and be amazed by how brave you really are. Inspire yourself to have the courage and you will inspire other people to have courage too.

6. APPRECIATION

Appreciation, believe it or not, is one of the antidotes for hate, together with gentle love and goodwill.

I think a lot of verbal bullying comes from the lack of a temporary ability of one person to appreciate. First, this situation occurs because the person lacks education and does not know how to practice the art of appreciation. Surprisingly, based on the research I’ve done through my Positive Words Research project, this is the main reason why people don’t appreciate more. Second, this situation occurs because people did not train themselves to be strong in their choice between appreciation and bullying/hating/criticizing.

I strongly believe that practicing the art of appreciation can stop bullying, self-hatred, hating others, self-criticizing or criticizing others.

7. ACCEPTANCE

Acceptance and mainly “acceptance of what is” is one of the antidotes for anger, together with humbleness and forgiveness. The faster you accept what is, the faster you cool yourself down, even before you caught fire. Not catching fire is the secret of winning over anger.

Some say that anger is good, it’s transforming energy. Anger makes you change things. A lot of people change the material world with the energy of anger. I agree that anger is good. But I need to point something out and it is very important.

In the scale of consciousness, Dr. David Hawkins presents, below anger, the lower energies of shame, guilt, apathy, grief, fear, and desire. Therefore if you find yourself in a state of apathy, then anger is good because you will get yourself out of apathy and raise your vibration. Same, if you find yourself in a state of fear, then anger again is good.

Then again, on the same scale of consciousness, the same doctor presents, above anger, the feelings of pride, courage, neutrality, willingness, acceptance, reason, love, joy, peace and enlightenment. If you find yourself at the level of reason and you let yourself feel the anger then you significantly drop in vibration and consciousness. Also, please notice that acceptance is a state above anger. Therefore in order for you to reach the acceptance stage, you need to let go of anger.

8. EMBRACING VULNERABILITY

Embracing vulnerability is one of the antidotes for shame, together with audaciousness and self-worth.

Brene Brown has made amazing research on vulnerability and she briefly explains her research on her viral TEDx talk “The Power of Vulnerability”. Among her many conclusions, she also states: “Vulnerability is the birthplace of innovation, creativity, and change.”

Yes, change is scary. But, also, change is constant. Change is security. You can always trust that change will happen. In the middle of change, when change is happening remember: This too shall pass… this too shall change.

9. FRIENDSHIP

Maybe surprisingly for some people, but friendship is one of the antidotes for boredom, together with fun and playfulness. We like to be friends with people we like. We like to be friends with people with whom we have things in common.

How about expanding our boundaries and starting showing friendship to people we never thought we could be friends with. For example with people from other countries or people from the same country as you, who are returning home. No need to make a spectacular contribution, just small acts of kindness. Like a good welcome comment on a social network, or an encouragement of some kind. Empathy helps you a lot in friendship.

10. CONTENTMENT

Contentment is one of the antidotes for helplessness, together with serenity and ease. Contentment is a little more than thankfulness and less than gratitude, joy or happiness. But it helps a lot. It has a lot to do with being thankful for what you have, but is actually, being content with what you have. A little smile on your face is an ingredient of contentment.

I remember one of the smallest types of meditation that I learned at one point in my life “Sit, don’t talk, smile”. In this meditation: sit still, don’t speak with your mouth, smile and mentally scan all the organs in your body. This is contentment.

Well, I hope you found some inspiration to help you get through these challenging times.

Meditate upon the positive words in this list and try to implement small actions in your life. In this way, these powerful words will become antidots for negative feelings and emotions. For yourself and the people around you.

Copy the link of this article, then send it and inspire a friend!

Learn Positive Words

Best 5 Tips To Revive the Passion for Your Business Again

Business Ideas, Financial Education, How To Do Awesome Marketing, How to Have Success in Life, Marketing Tips, Tips and Tricks, Travelling Experience

The passion for your business is an amazing feeling. As many entrepreneurs will tell you, starting your own business and seeing it expand may be one of the most exhilarating and demanding endeavors of your life. There’s such a rewarding feeling in seeing how your very own creation not only made it out there in the world but also brings utility to the people around while paying for your rent and vacations.

How to Revive the Passion for Your Business

Each entrepreneur will, at some point, reach a plateau when the passion starts to fade. It may initially be barely noticeable, but it will turn into a full-blown challenge as soon as your business hits its first major roadblock. Fortunately, not all is lost, since there are ways that can help you get that  spark back and inject your business with vitality:

1. Get Rid of the Guilt and Revive the Passion for your Business

Apart from the technical issues you may be dealing with within your business, guilt is the biggest and most dangerous setback you can actually face. When business isn’t working, many entrepreneurs out there will feel they have failed themselves, the dream they believed in so much, as well as the employees they have working for them. Having said this, these feelings of guilt will often keep you from taking action when you need it the most. So train yourself to become alert and stop this negative thinking loop, so that a new behavior of positive thinking can take its place. As soon as more positive thoughts start coming to mind, you’ll feel more and more inspired to take action for your ailing business.

2. Allow Yourself to be Mentored

Regardless if you’re seeking the help of a professional or the help of a successful industry peer, it’s important to acknowledge that asking for help stems from and nurtures great inner power. On the one hand, a professional mentor or business coach will have all the necessary know-how and techniques that can help you pinpoint your negative thinking patterns and reconfigure your brain. On the other hand, an industry peer you look up to will have specific insights on your type of business and may counsel you according to your particular business needs. All you would need to do is to ask them out for coffee and honestly address your struggles, so they can truly open up to you too.

3. Spice Up Your Mornings

If you’ve been used to doing things the same way every morning, you can’t really expect different results to show up in your business. It’s often underestimated how big an impact morning routine has on an entrepreneur’s entire day. The first hours of the day should be used to create intentionality and vision for what’s ahead. This is why it’s worth starting your day with a walk in the park or by meditating. To the same extent, you can also try journaling – there is a great power of words you’ll experience as soon as this becomes a part of your daily routine.  

4. Befriend Innovation and Revive the Passion in your Business

Innovation, or lack thereof, goes hand in hand with a person’s ability and willingness to remove themselves from their comfort zone and allow for risk to enter their lives. Of course, this goes the same for you as an entrepreneur – you need to start asking distressing and harsh questions that will allow you to see what can be improved in your business. Think if there’s maybe an area of your business that could do with a fresh approach or if there’s perhaps one novel method you’ve always shied away from implementing yourself. Now is the time to be honest and start acting on the answers you’ll give yourself – they hold all the directions you need in order to revitalize your business.

5. Acquire More Knowledge

If there’s one thing an entrepreneur will never be in short supply of is knowledge. There’s always more information you can acquire and bring back into your business to help it stand on its own two feet and even flourish. Sadly, many entrepreneurs come at a loss when it comes to basic financial and marketing information, for example, among other areas their business can benefit from, regardless of the industry it operates in. This is why it’s important that, as an entrepreneur, you take time aside and invest in furthering your education.

When all is said and done, running a business from the ground up is definitely not for the weak of heart. To this end, it’s especially difficult to make it work and then see it flounder. However, the beautiful part is that you have the power to bring its life back and rekindle the passion for your business yourself – all you need to do is focus on yourself, remove limiting beliefs and dare to risk once again.

About the Author

‘Claudia Spataru is a free spirit located in Bucharest, Romania and always in search of answers to life’s greatest questions. She loves to understand how people work, what makes them tick and find ways to help them reach higher grounds. She adores the sea, traveling and laughing.’

How to Revive the Passion for Your Business

Financial Abundance Feel Far Away: Learn What Can You Do

Body Health, Financial Education, How to Have Success in Life, Inspirational Words, Travelling Experience

Most of us have an idea of where we would like to be in life and it often includes a desire towards financial abundance. Call it wealth. Call it prosperity. Whatever you choose to call it, it’s probably right there, up on your wishlist. 

Why Does Financial Abundance Feel So Far Away and What Can You Do About It?

But from wishing it to actually attracting it sometimes feels like a road longer than the one we signed up for. So what do we do to get there? Or better yet, what should we stop doing in order to achieve the financial abundance we covet so much? The questions seem pretty straightforward, but the answers can require some careful soul searching and definitely a lot of personal work. This is why we’re going to go through a list of solutions that will hopefully embolden you to change the way you think about money and empower you to attract more:

1. Dig Deep to Uncover What You’re Manifesting as Financial Abundance

If you’ve ever heard about the law of attraction, know that it’s not just another theory flung around by modern pseudo-thinkers, but it’s actually the way things work in life. If you believe and want something for yourself, the universe will make way and get it closer to you. It will remove all obstacles and eventually send you the right opportunities that can help you open the doors you want. 

However, if you know what you want and have a clear vision of how your financial life could look like for you, but your reality still doesn’t reflect that it must be that somewhere in your subconscious you don’t actually believe you can achieve it. In other words, what you actually believe is that you’re unworthy of having financial wealth. This is where you need to start digging deep with the goal of discovering your financial blueprint. We all have blueprints that guide us through every aspect of life and your money-related one was probably developed in your childhood. 

Try to remember what your financial education felt like, how your parents felt about money and what they felt they deserved money-wise. Write every new discovery down and read it again every time you need to stop your negative brain from taking charge. This is a good first step to unlocking the financial abundance you always wanted for yourself.

2. Work On Dismantling Old Beliefs and Replacing Them With New Ones For Financial Freedom

Once you’ve got the answers to all these questions, it’s time to look at your life and see how these beliefs manifested themselves without a shadow of doubt throughout your life. Once you become aware of the power these toxic thoughts had on you, you can start dissociating from them and bid them farewell. 

It’s okay to want more and it’s even healthier to start thinking you deserve it. Of course, this won’t happen overnight, but as long as you start telling yourself empowering words daily, you will manage to rewire your subconscious in a way that’s more financially supportive. This is a process that takes time and progress may not always be straightforward. Old beliefs will sometimes creep into everything you approach financially, so it’s important to take notice of them and stop them in their tracks.

3. Let Abundance Flow Into Other Areas of Your Life As Well For Financial Prosperity

Abundance is abundance, no matter what areas of your life you are manifesting it in. If financial abundance is taking a little longer to attract, know that if you start embodying abundance in other areas too, your overall vibration will rise and will make room for higher financial grounds too. 

What you need to do in order for this to happen is to commit to living your life with an emphasis on adding more value to others. As soon as you start giving recognition, praise, inspiration, and support to others, you’ll start feeling a lot more grateful for what you have and you’ll tap into that inner wealth that will eventually build more positive emotions for you. If you give out of a place of genuine generosity, you will receive just that – generosity a hundred times back.

These tips are only the stepping stones on which you can envision and create a better financial future for yourself. Additionally to this, you also need to stop making excuses for yourself, even for life’s more trivial activities, and to commit to offering yourself the best possible version of life because you truly feel you deserve that and nothing less. Don’t settle, don’t compromise, practice gratitude, empower others and work hard on changing your blueprints. The rest will soon fall into place.

About the Author

‘Claudia Spataru is a free spirit located in Bucharest, Romania and always in search of answers to life’s greatest questions. She loves to understand how people work, what makes them tick and find ways to help them reach higher grounds. She adores the sea, traveling and laughing.’

Why Does Financial Abundance Feel So Far Away and What Can You Do About It

How to Stay Positive While Paying off Massive Debt Today

Financial Education, Grammar Check, Mind Health, Positive Psychology, Science and Technology, Travelling Experience

One of the most anxiety-triggering factors that stress an individual is paying off massive debts. Some people who are in this dilemma might lose hope or might get depressed thinking that being stuck means unable to recover. But, think about it closely, debt does not really hurt at all. It is the shame that people might cause you if you won’t be able to pay your debt, most likely if it is borrowed from a person. How bad as it may seem, is there any way to treat this seemingly failure into something good?  This article finds a way to share with some important insights on how to stay positive amidst paying off massive debt.

Check your Credit Report

In order to stay positive, you have to see reality first. People are usually mistaken to only focus on the delusional zero debt without doing something. To see the reality means you see your credit report which contains your good and bad records of your financial history. If you don’t have a copy then order your report first. In the report, check if your standing is good as presented by the credit rating and good remarks. Likewise, see also if there are missed payments and negative remarks. Pay close attention to the terms of payment and the amount assigned. In doing this, you are practically dissecting your debt in bits making it more possible to pay-off.

Earn More

Obviously, if your debt is massive then you also need a massive source of income. If your current job doesn’t make you earn that can pay off your debt, then add a sideline or sell something. In this area, you may prefer to maximize your hobbies or interest. More than that, you can save something from your salary and allocate it in an investment facility that has the capacity to make your money grow. What you earn from this is called a passive income. It is passive because it is the money that is working for you. Hence, by having more than one source of income adds to your confidence and makes you stay positive.

Spend less

To double the effort, spend less than what you can. Some people have a bad habit when they earn big they also spend big. Worse, some earn only a little but spends big. If you are like this, then it becomes problematic. However, when you increase your income and lessen your expenditures it gives you more sources to allocate in paying off your debt. As result, without you knowing, your debt is over and you have increased your savings coming off the excess. You may now use it in things more productive for you.

Aim for the Goal

Most people paying off debt are only focused on the debt. Meaning they work only to pay their debts and this is something to regret if you are in this position. But, to stay positive, instead of focusing on paying a debt, why not focus on achieving goals. These goals maybe some of your ambitions or dreams like travel or house or something to look forward. Consequently, you make yourself feeling excited and motivated rather than become anxious about your debt. Besides, it is happier to work hard for something you like, than work out something so that you can escape.

Develop a Growth Mindset

Debts could be devastating but it’s all in the mind. Most people are preconditioned that you have loans then you are doomed already. However, debts are just like roads wherein you will just pass by it and it will be over. Meaning to say, you may treat your debts as part of the hurdles for you to pass on and become victorious in the end. By overcoming this, it will contribute a significant level of change and maturity. So develop a growth mindset and aim for continuous development.

Conclusion

Debts may not be detrimental by far because we can still stay positive despite it. Being positive means choosing to be one. It is not something that you feel out of experiencing something. You can stay positive by focusing on reality, adding something valuable, and lessen the cause of the problem. Just like happiness, it is always a choice. Everyone can choose to be happy. That’s why even in debt, you can still enjoy life.

Author’s Bio

Dennis Martin Eivan is a graduate student currently in his thesis writing phase finishing a Master’s Degree Major in Clinical Psychology. His research and writing interests are in education, entrepreneurship, finance, motivation, nutrition, psychology, and social sciences.

Positive Words Research – How to Stay Positive While Paying off Massive Debt

How to Stay Positive While Paying off Massive Debt

Leadership That Cultivates Ethics Boost Employee Productivity

Business Ideas, Financial Education, How To Do Awesome Marketing, Human Resource Management, Positive Psychology, Sleep Tips

Matching your leadership style with your core principles may be one of the most underrated factors in helping you grow your business. An organizational structure where the vision, management system and actual operations speak one language, has a voice that reaches further than any marketing campaign. It has the capacity to ignite a renewed confidence within personnel and raise the bottom line to new heights.

What would be your answers to these questions about your company?

  • Does your brand reflect your core values?
  • Is the information on your website About Page the truth?
  • Do your inner and external business affairs use the same system?
  • Do you show your employees the same respect you do your clients?

These are just a couple of question to get you thinking about what ethical leadership entails.

Decision Making

There’s a saying that decision making is nothing more than clarifying your core values. When it comes to black and white issues it’s usually relatively easy to choose what would be the right choice for your business. However, when something complicated comes along, you could easily find yourself in murky waters. Exercising your will within these grey areas is definitely not something to take lightly, it requires a deeper level of principles to help bring the wisest decision to the surface.

In the process of making decisions, we are also choosing between the importance of one thing compared to another. Many decisions in our personal lives are made in a similar way where we check and re-check our priority lists. Again, what we value most will also have the highest level of importance.

Few if any decisions in business are ever completely free from scrutiny. Decisions that went against the core principles and values of your business might be hidden inside your company’s archives for years, but never lose their potency to trigger disaster.

Decisions give external expression to the internal evaluation of what we deem most important.

Setting a Standard

Building a foundation for your business goes hand in hand with setting a standard to which you hold yourself and your employees accountable to. It helps everyone to know the core principles and the most important values. It may take some time, in the beginning, to become familiar with your hierarchy. If you use the different elements in your system often enough it will rather sooner than later become an integral part of every man and woman under your brand name.

Culture

What’s interesting is that such a system sets the stage to help define the culture within your organization. It is a natural flow of elements that naturally match and support one another. It is an organic way of creating the behavior that helps drive a culture true to the characteristic of what you stand for.

Leadership, Character, and Integrity

For anyone, at the top leadership position of an organization, finding the balance between resources, productivity and profitability can lead to restlessness or even sleepless nights. Ask any person with some business experience and they will agree, it takes years to build a financially sound business yet only a few moments to destroy it.

One of the lesser known benefits of aligning your public image with your business’ inner workings and core principles is the potential it holds towards guarding your reputation. Isn’t it true that reputation is one of the most challenging elements of your business to pull back on track once it’s been derailed?

It may very well be that maintaining a good reputation isn’t any different than being the person and organization you tell the world you are.

Managing public opinion becomes a much easier job when what you say you are, is actually so.

Although we do not live in a perfect world, we are creatures that aspire to achieve excellence. Sometimes we make mistakes and sometimes come to lesser efficient decisions, among other faults. But in this world filled with the unknown, perfection seems nothing more than an illusion. So, it is rather good that upholding a reputation doesn’t mean striving towards perfection as much as it is in maintaining consistency.

Management System alignment

Seeing that as human beings we are fallible, a Management System comes to play a big role in helping your business steer on the right path. Just like an alarm or calendar notification, a Management System should make it easy for people to know what to do, how to do it and when to do it.

A good Management System

  • it’s available in a documented format (either as hard copy or in electronic format
  • it’s accessible by every employee
  • it’s well organized with a good readability score
  • it’s an integrated system that incorporates each aspect and section of your business
  • it’s in use every business day
  • it’s flexible and employees launch revision request.

 Theory vs Practice

Leadership principles have been a point of discussion for many decades now. From finding the niche point for staff members all the way to bettering client relations. By simply looking at books available on this topic it seems there is almost no space left for a fresh title among the vast numbers of books published throughout the history. Yet, books on leadership are frequently being published worldwide.

Books on how to be a good leader have reached from the biggest of companies to the smallest of businesses. Leadership, in its many different shapes and forms, is a regular topic of conversation between volunteer communities, the general public, as well as those in education. Here is the list of the Financial Times’s Best Business books (https://ig.ft.com/sites/business-book-award/) in the category Leadership and Management.

Knowledge and implementation

As with any level of knowledge we acquire in life, it is the practical implementation that determines whether our knowledge will be useful or not. Every person who has ever read a good book should know, reading something doesn’t mean you’re applying it to your life. It may be that putting some of the amazing pieces of information into practice would be more difficult than we at first imagined.

It is exactly this point – the practical implementation – that set organizations apart. On paper, knowledge can make perfect sense. It is when we try to implement it that we find our current system can either be a hindrance in our path or make the change as easy as walking.

Your leadership style too will impact the degree of difficulty or ease the organization can transition to integrate a foundation that protects your business, employees, and clients against unethical behavior are worth the effort.

Alignment

Here are a couple of elements you can consider integrating as part of one system. Align them with the vision, mission, and strategy of the organization. This will help your organization to speak as one voice. This is where ‘word of mouth’ gets a foothold.

  • Management System
  • Website
  • Social Media Platforms
  • Vision
  • Mission
  • Strategy
  • Objectives
  • Targets
  • Finance
  • HR
  • Resources
  • Operations
  • Company Culture

Different Leadership Styles

Look at the different scenarios around the styles of leadership below and see if it can help you run your business with better productivity. Some leaders can have a combination of these factors present in their leadership style. Each one of these styles has an impact on the productivity and profitability of the organization.

1. Visionary Leader

A visionary leader has the ability to share his hopes and dreams for the business and puts a system in place that supports the people working in it to efficiently reach the objectives in growing the business. Communication is clear, there are no or little blurry lines between different responsibilities.

2. The Dynamic Team Leader

Imagine, a style of leadership in touch with the actual work that needs to be done. A leader such as this has reasonable expectations for their team. This leader involves the team when considering changes to the system. The team is encouraged and draws from their practical insight and accumulative experience over the years. Such a leader taps into the energy of the team dynamic.

3. The Chop & Change Leader

This is a leader who likes to have full control and then do as he pleases. If you are a leader who wants full control and literally chop and change as you like, it’s going to be very difficult to pinpoint what your business requires. It might even be impossible for you to build a system geared toward supporting profitability and productivity. This leadership style is also very stressful from an employee’s perspective leading to further losses. A job where things can literally be flipped upside-down the following day leads to unmotivated employees and unreliable delivery.

4. The Ego Leader

This is a style of leadership that expects something additional from employees without being willing to compensate for it. And then complain about it. Read this article by Rudi Dalman from PeopleHR on leadership ego and that will give a better idea.

5. The Periodic Leader

There is the type of leader who periodically remembers that he is the boss of a number of people. He drops in one morning before golf, dish out orders left, right and center and runs out before any staff member has the opportunity to tell him that three of his orders can’t be acted upon because they are conflicting instructions.

About the Author: Her name is Matilda Prinsloo and you can contact her at
ServingJoy@outlook.com.

Positive Words Research – Leadership That Cultivates Ethics Can Boost Employee Morale And Productivity

Leadership That Cultivates Ethics Can Boost Employee Morale And Productivity

Top Psychological Issues in Language Learning And Solution

Financial Education, Inspirational Words, Learning Resources, Mind Health, Positive Psychology,

There are several problems that an educator faces when teaching adults a new language. The challenge increases when the adult has an exceptional life experience yet they are still stuck at an elementary level of education due to various factors. That could be psychological or physical in language learning. A research was conducted to analyze the type and the extent of the difficulties of language learning that adults go through. Some of the problems that they face have been explained below. A better understanding of the psychological issues on language learning can go a long way in enhancing the pedagogical practice of a teacher in an adult learner’s class.

For adult learners, involvement in education is a very conscious thought. They are highly motivated and disciplined. They have a major goal which they would like to achieve in their social or professional life. This means that they are focused. Adult learners have a practical attitude towards language learning which means that they desire to obtain skills that they can use in their daily life. Adults also have a lot of personal and professional experiences which they can apply to the language learning process. They are very independent in their thinking and thus require independent teaching methods.

The Issues

Fear of Making Mistakes

Despite all these good qualities, it is still difficult to teach adults a new language. The psychological barriers are the most challenging. One challenge is the fear of making mistakes. As an adult, they are prone to perfectionism. They believe that if they can set their mind to achieve it they can. They also, on the other hand, believe that silence is golden. This can be translated to mean that they would rather do nothing than try and end up making a mistake. This is why most adult learners opt to give out their essay writing assignments to be done by professionals so that they may not fail.

Lack of Time

Another challenge is lack of time. As an adult, they have many responsibilities. They have jobs, families to take care of, public duties to fulfill, and bills to pay. This means that they have very little time to spend learning something new. It makes the learning process much more difficult since the educator cannot assign homework and demand it should be completed on time.

Anxiety

Anxiety often occurs due to various reasons. The learner may lack confidence in their abilities. They may be anxious about the financial cost of the education, feeling that going to school is irrelevant, lack moral support from friends, family, or workmates. Nevertheless, the biggest cause of anxiety is the fear of showing that they are incompetent.

Solutions

It is the responsibility of the educator to help the learner overcome some of the psychological barriers. To overcome the fear of making mistakes and anxiety, the educator should inform the learner about the curriculum, syllabus, student outcomes, expectations, and other aspects of the training so that the learner is aware of what to expect. Inform the learners about their duties as a student. The students will be prepared for the next class you will teach thus it will reduce the fear of making mistakes. It will also boost their confidence in that they have some knowledge about the class beforehand.

Positive reinforcement

Is highly encouraged when the learner achieves a task.  When a student does something good, reward them. Remember that despite them being adults, an educator’s approval means a lot to them. Use positive words to encourage them also when they fail. A few motivational words, positive phrases, inspirational words, and in general positive thinking go a long way in improving the learning experience.

The educator can also create a forum that will allow the students to exchange their opinions freely. They can talk about their opinion on a certain subtopic or how to make the class more interesting. The forum could also be used to hold group discussions so that they can boost each other academically. They can challenge each other academically on these forums. Without forgetting, the forums will be a great way to form an interaction among themselves.

Sometimes the challenges are not only psychological

Learning a new language is difficult. Perception of foreign speech results in some difficulties associated with the specifics such are:

  1. The process of hearing
  2. The speech ability of the adult learner
  3. Pronunciation of native speakers of the language
  4. Acquisition of social-cultural and social linguistic opponents of communicative competence

Conclusion

In conclusion, the mind, the learning process, and the language are linked together. This means that, as an educator, in order to enhance the learning of a foreign language, you need to understand the adult learner’s feelings, behaviors, emotions, motives, and mental health processes. As an educator, you should also consider the implications of a foreign language to the student and to you as an individual.

Which other psychological issues do adult learners face?

Author ~ Kevin Nelson

Here at Positive Words Research, we are looking to share with our readers original content that hasn’t been published on other sites so if you are comfortable with Positive Words Research being your sole publisher, we are more than happy to share with our readers your inspiring and empowering story. 

language learning

What You Are Telling Yourself That Is Keeping You Single

Financial Education, Human Soul, Message to My Future Self, Positive Psychology

Not all of us want to be in a relationship, which is completely fine. The rest of us oscillate between loving being single and wishing we weren’t. It rocks when we are playing the field and not having to check in with anyone, but it sucks when everyone around us seems to be bursting with joy in their relationships. Sometimes we cannot help but feel a little frustrated for being single.

Our search for healthy love is one of the most defining missions of our lives

The nagging question just keeps getting louder, “Is it me?”. I wish I could tell you with all certainty that it is not you, but it just might be you. This does not mean that there is something wrong with you. I am sure you are amazing and capable of being in a fantastic relationship. But you see, most of the times, our single status has everything to do with our beliefs and attitudes.

The truth is that you hold more power over your romantic destiny that you ever thought possible. To a large extent, you create the world that you live in, consciously or unconsciously. There are a lot of bad habits that you may indulge in and things that you tell yourself that may be locking the doors to a lasting relationship:

  • I love being alone with all the freedom and creative time it affords me.
  • I do not deserve a relationship.
  • I am not good enough.
  • No one will ever love me.
  • I am not ready.
  • I have no time to date right now.
  • I cannot date a guy/girl who…..

When it comes to dating and relationships, sometimes you are your own worst enemy

What are some of the things you have told yourself that you think are sabotaging your ability to connect with potential partners?

Let us talk about the things that many of us are telling ourselves that are getting in the way of finding our soul mates.

I will date when…..

I will date when I am finished with my Ph. D.
I will date when I lose at least 10 pounds.
I will date after my career takes off.
I will date when I am ready.
I will date when I find the perfect guy/girl.
I will date when my child goes to school.

“The greatest amount of time wasted is the time not getting started.”
Dawson Trotman

There is a huge problem when you keep postponing something that is important to you. Firstly, the only time that you are guaranteed is ‘now.’ Many of us are obsessed with timing. There is no such thing as the right time. No matter what else your life involves at the moment, dating should never be wholly sidelined if you hope to get into a long-term relationship.

There are no guarantees in life, and no one can predict what the future holds. After all, life is a series of unexpected events. Indeed, you might find that life is more interesting when things do not go according to plan, rather than when everything is well choreographed. Makes life more authentic, doesn’t it?

You may think postponing dating buys you time but in reality, time will not wait for you. Right now is the perfect time to seek for your soul mate.

“Procrastination is like a credit card; it is a lot of fun until you get the bill.”            Christopher Parker

I am looking for the perfect partner

When looking for a romantic partner, we all desire certain characteristics. However, no one is perfect. I have seen people wielding a long list of attributes that they want in potential soul mates. A certain level of education, given financial status, a particular religion, no children or a certain number of children, a certain number of teeth… Just kidding. The chances are that you might not find this package in a single individual. The pursuit of perfection leads to finding fault with everyone that you meet which will only work against you.

I am looking for the perfect guy/girl today will be later turn out to be I will never truly be in love.

Worse still, some of us have very unrealistic expectations. Snap back to reality and realize that you are also not perfect. So what if the guy/girl is a little rough around the edges? So what if she talks too loudly? So what if he is a tad too dark? There is nothing wrong with setting standards, but we must keep our expectations realistic if we do not want to be alone for the rest of our lives.

Affection is when you see someone’s strengths. Love is when you accept someone’s flaws.

All the good ones are taken

It seems as if the world has been overrun by fickle men and players, shallow women and gold diggers. Apart from you, of course! Is it possible? Is it really possible that all the billions of people out there are all either married or horrible? This is the lamest excuse to not play the dating scene. Worse still, it is a self-sabotaging excuse.

Telling yourself that all the good ones are taken is giving yourself a free pass to throw in the towel and let yourself off the dating hook. You do not have to put yourself out there, after all, the good ones are taken!

Look at the flipside. Out of the billions of people in the world, you only need one person who is right for you. You need to reframe your mindset.

The perfect partner does not exist, but there is a partner who is right for you.

The sad reality is that if you go through life believing that there are no good men or women out there, you will not find any. Your mind is always inclined to look for evidence to support what you believe.

Interesting fact:
When you believe all the good ones are taken, anytime you come across one who is unavailable, you will think he is the greatest thing you have ever seen. When you come across one who is single, you will search for flaws, and you will surely find them.

Remember, our thoughts are energy; energy that radiates and attracts like experiences. Many of us miss out on finding love by holding on to lies: about ourselves, about men and women. You must realize you are what is keeping you single. Seeking love is not an easy task. The first step is to fight the patterns inside us that hold us back. We cannot shield ourselves from what we might find out there, but we can empower ourselves with the right tools for the job by cleaning up our thoughts.

About the Author

Christopher Brown

Christopher D. Brown created the website RedesigningTheMind.com

Positive Words Research – What You Are Telling Yourself That Is Keeping You Single

Best 3 Positive Advice For My Younger Self To Motivate Me

Business Ideas, Financial Education, Positive Emotions, Research On Positive Words, Travelling Experience

At some point in life, many people contemplate penning an autobiography. These memoirs usually describe life lessons – good or bad. In particular, they state how they might have fared better if only they knew better!

If you are one of those thinking individuals, you will dig such personalized narratives.  COX Internet plan, offering COX Internet speeds access a wide array of such narratives!

Coming Full Circle…

As a retired stock-market investor, I got lucky and inherited a sizeable portion of wealth from a deceased relation. I expanded it via Wall Street trading. A friend suggested me to write my own brief life report. I thought long & hard about something worthwhile and meaningful to write. Finally, I knew what I wanted to write about. I remembered when I first started out in the investment business. I was young and felt so lost. I wish someone had advised me then.

The complete chronicle is over 500 pages long. However, I am going to focus on the three different pointers. I believe these form the basis for each phase of anyone’s life – student, young professional, married with a family.

Before you enter professional life, first, go for TEFL course online. Choose certification to appear in the exams today. This will put you on the right track. Online education is cheaper than the traditional education. Furthermore, these are convenient especially when you are working.  These two are the main advantages of online learning. If you want to earn a degree or certificate, opt for online platforms.

Certification exams provide a measurement of knowledge and skills. When employers are looking to hire this is an important determining factor. It’s good to earn certificates in the field you are interested in. A differentiator to counter the competition. When you go for an interview, the competition is frequently stiff. If you have the certification, as compared to the other person, you have a definite edge.

It also shows to the employer that you are always eager to improve. Learning is a value in itself, and those around you will admire you for it.

1. Don’t Make the End Your Everything

When you are young, you are swaying between extremes of abject failure and worldly success. This is a significant concern when you are trying to prove yourself out there.

In the ‘pursuit of happiness’, you work hard to get through college. Then comes the search for a steady job. Over the years, you lose sight of the fast declining present. Your health, age, human relationships development & other life-experiences diminish.

This is certainly, what happened to me! I did end up achieving almost everything -impressive bank balances, million dollar estates, fine cars- and the usual bling. But, I also managed to miss out a lot.

If I could go back to my younger self, I would take off the ambition hat. I would stop and look around at the world too. I would travel, make more friends, and enjoy life. I would take better care of myself.

2. Be Patient with Money

When I started out as a young investor, I was impatient to increase financial gains fast. Only after losing money on several ill-timed mutual fund schemes, I learned to make more money.

My best investments, in hindsight, have been those that have remained fixed inside company’s shareholders’ vaults for at least a period of 10 years. The bad ones, I chose to liquidate into cash after a few short months.

In retrospect, I should have kept that money invested. Maybe then, I would have a Forbes multi-millionaires profile of my own!

3. Human Relations Are Real Life Investment

Having ambitions is not bad. Nevertheless, when you’re ruthlessly involved in making money, you lose sight of what’s important in life. You become completely indifferent to your family and friends.

To my astonishment, I later found that money alone could not guarantee my personal happiness.  Loneliness would still creep up as a stifling influence on my mind and emotions. I was lonelier than before! My solitary preoccupation with money broke up my marriage. It left my only child estranged from me. He could not stand a father devoid of all endearing emotion and expression.

Therefore, here’s my advice to my younger self, and all young people. Stay out of the rat race. Take a break occasionally. Do not neglect your loved ones even for a day. Because we all need human connections to survive & enjoy our fortunes with.

A final piece of advice for my younger self

There is no way around education. Continuing education is an investment of time & resources. It helps provide recognition for your specialized skill set and knowledge. When it comes to landing certain jobs and positions like teach English in China your level of education can be a significant benefit!

Author’s Bio

Alex Brian

Alex Brian is an entrepreneur, marketer, and writer. As Hawaiian resident, he loves beaches and bathing in the sun. That’s where he finds his inspiration to author in-depth guides that teach Ecommerce store owners ways to manage, grow and scale their business. In a former life, Alex co-founded a custom menswear company which generates 6-figures in annual revenue through its website and retail.

Positive Words Research – Positive Advice For My Younger Self