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Your Enthusiasm Will Make A Difference

posted from https://addicted2success.com/life/your-enthusiasm-will-make-a-difference/

I have read Dr. Peale’s book “Enthusiasm Make The Difference.” As a matter of fact, I have read a few of his books. All of them are good reads. I love the examples and stories of his patients and clients in a world so far different than ours today. The stories are pre-internet days. Pre-everything days really. Some say it was much simpler then, than now. To a certain extent, I agree with those people. Life has sped up.

I remember my younger days with the long phone chords stretching them as far as possible to get some privacy and the big box televisions that weighed a gazillion pounds. Atari, Betamax VCR’s, eight-tracks, cassette tapes, and so many other obsolete devices we all used that no longer exist. It’s funny, those things are gone with new improved and faster technology, but the wisdom of Dr. Peale remains the same. It’s true, enthusiasm does make the difference. It was the same as in 1967 when his book was published and now in 2019. If you want people to listen to you, follow you, or learn from you, you need enthusiasm.

Enthusiasm matters

Each semester I begin all my classes doing push-ups the first day. The students come in with regular street clothes expecting to hear the usual “spiel” on the class requirements, paperwork, and the expectations for the course. Now, remember, I teach kids how to lift weights, not math or science. Following the discussion of general information, I tell them to get in a big circle in the weight room.

I teach them how to do a correct push-up and demonstrate key points to make it more safe and effective. Then, we do a lot of push-ups. I am usually met with some resistance with a few of the students. While they all elected to take the class (it is not required- but should be), they are not too keen on doing push-ups in their blue jeans or their “school clothes.” Almost 100% of the time, the students finish loving the activity. They laugh and have fun with it. Why? I make it fun for them. I am loud. I talk fast. I make jokes (they are funny to me, probably not to them).

I do the push-ups with them. I am enthusiastic about the experience! If I went into the activity with typical teacher talk, I would not get the same effect. Furthermore, if I went into it being a drill sergeant and demanded it from them, I would be met with a ton of resistance as well. I start each class and each semester with push-ups for a few reasons. I want to let them know the course will be challenging. I want to show them that you do not need a long drawn out routine for exercise to be effective. And, mostly to show them that physical training can be a fun and enjoyable experience.

“Nothing great was ever achieved without enthusiasm.” – Ralph Waldo Emerson

When I coach wrestling, I might not smile as much, at least in the beginning, but I make it a priority to be enthusiastic each day. I talk to my team a lot about the proper mindset they need to have each day to have a good practice and to get the most out of the workout. I tell them that it will be tough and needs to be tough because from that we get better, and we will shorten the learning curve with other teams that have more experience.

I participate in most conditioning workouts with them. I want to share the experience with them. By doing that, I build trust and rapport. Ultimately though, what matters most is that each day I (and my other coaches) are enthusiastic in what we do.

Enthusiasm is the “secret sauce” in nearly every life activity. Whether it is mowing the lawn or working out, having energy and spirit make any challenging experience better. Enthusiasm also brings out the best in others!

How to develop enthusiasm

Let’s be clear before I discuss ways to develop enthusiasm with your team or daily life, it isn’t Pollyanna double-speak and painting a rosy picture to your students, organization, or employment staff. Enthusiasm is bringing passion and love into an experience and doing it with energy and vitality. It is selling your people to buy into your program, and it is showing up prepared and ready to attack what’s ahead of you. It is not getting through it and surviving.

How can we develop an enthusiastic attitude? It first begins in your own mind! Everything we do starts in our minds. To be passionate, you need to plant the seeds of enthusiasm into your thinking. You need to tell yourself that it’s going to be a great experience and your day is going to be filled with opportunities!

You tell yourself you are “lucky” to have the chance to do whatever you do. What if you do not feel that way? Well, you lie to yourself. You keep telling yourself that it is going to be good. You catch the negative thinking right away and quickly change it to something that will benefit and motivate you.

In what ways can we demonstrate enthusiasm with others? The biggest thing that will show your enthusiasm is your body language, tone of your voice, and facial expressions. In other words, your physiology. If you want people to be enthusiastic, you demonstrate it first. You talk louder. You move faster. Equally important, you smile and have some fun in what you are doing.

And if you don’t feel that way when you start, fake it, do it anyway, and I guarantee you will quickly morph into the person you are trying to be. You will get excited and feel full of energy. You “trick” yourself into being enthusiastic and low and behold after a couple of minutes, you are!

“Enthusiasm releases the drive to carry you over obstacles and adds significance to all you do.” – Norman Vincent Peale

So remember, enthusiasm starts in your own thinking. If you think lazy and uninspiring thoughts, the result will be that you are lazy and uninspired in your daily living and communication with people. You need to change your thinking deliberately. At first, it will need to be repetitive and constant. Eventually, it only takes a quick reframe of your negative thought to turn it into a positive one. But like anything else in life that’s worth it, it takes time and effort.

You also have to move your body like a person who has enthusiasm. “Fake it till you make it.” If you move your body intending to be enthusiastic, your mind will follow.


By |2024-02-27T11:18:20+00:00October 11th, 2019|Blog|0 Comments

TransferWise Review: A Better Way to Conduct Foreign Exchange?

posted from http://feedproxy.google.com/~r/mrsjanuary/~3/mvVwriCZdGY/

The high fees and bloated exchange rates incurred when sending and receiving foreign currency can be a bitter pill to swallow. This is especially true for anyone who has to send money abroad on a regular basis. Much of the problem lies in the exchange rates offered by banks, which are priced well above the actual market exchange rate. Not only that, fees on wire transfers can be as high as $50 or more, depending on the amount of money you’re sending.

Recently, I wrote an article on the various ways that you can exchange money, so I thought the timing was right for a review of TransferWise, a leader in online foreign currency exchange. Thankfully, companies like TransferWise are around, to take the sting out of foreign exchange, as well as sending money overseas.

Using the latest in mobile technology, TransferWise makes foreign exchange instant, and affordable. In this TransferWise Canada review, I’ll show you exactly how TransferWise works to save you money, and why it’s a better way to send money than through traditional channels ie. your local bank branch.

What Is TransferWise?

TransferWise is a U.K. based company, founded in 2010, by two friends, Kristo Käärmann and Taavet Hinrikus. Fast forward to today, TransferWise is now worth more than $1 billion and boasts more than 6 million customers.

According to Business Insider, “the idea for TransferWise surfaced when its two founders realized that they could cut down on money-transfer costs by paying each other’s expenses. Hinrikus used his money in Estonia to pay for Käärmann’s mortgage, and Käärmann used his money in the UK to send payment to Hinrikus. TransferWise avoids international bank-transfer fees by keeping the money transfers inside the country, using domestic accounts to minimize the distance that money has to travel.”

How to Save Money with TransferWise

TransferWise saves you money in three ways. For starters, all foreign exchange is conducted using mid-market exchange rate, or real exchange rate. This is the rate without the spread that’s added by your bank or broker, which means you’re getting the lowest possible rate of exchange, regardless of the amount of currency.

While TransferWise does charge a nominal fee to send money, it’s typically under 1%. Compare that to the 2.5% foreign exchange fee whenever you make a foreign currency purchase with your credit card. Or, the high fees charged by your bank when you send funds via wire transfer, which can be upwards of $100, depending on the amount you are sending. I should point out that it’s free to receive funds into your TransferWise account. With bank wire transfers, recipients are usually charged a fee when the funds arrive in their account.

Lastly, you will pay a fee when you make your payment to TransferWise, to fund your transaction. However, these charges are fairly minimal, especially when you send money via direct debit from your bank account.

What Is a Mid-Market Exchange Rate?

The mid-market rate represents the midpoint, between two currencies buy and sell prices. TransferWise always charges the mid-market exchange rate, whereas your bank will include a spread on the rate the client pays, in order to boost profits on an exchange transaction. Fees aside, this is why you’ll save money sending money through TransferWise, as opposed to say, a bank to bank wire transfer. The mid-market rate is considered the most accurate rate of exchange between two currencies.

What Countries Can I Send Money To?

TransferWise has the ability to send money to most major countries and currencies. I counted no less than 58 countries on the TransferWise website. I’ve listed just a few of those below. I should note that there are restrictions on some currencies, in how transfers can be sent and received. It’s important to read the instructions as they pertain to the specific country you are wanting to send funds to.

  • Australia
  • Brazil
  • Canada
  • China
  • Columbia
  • Denmark
  • India
  • Indonesia
  • Israel
  • Japan
  • Mexico
  • Norway
  • Philippines
  • South Africa
  • South Korea
  • Thailand
  • Turkey
  • United Arab Emirates
  • United States
  • Vietnam

How to Send Money with TransferWise

To illustrate how funds are sent using TransferWise, I’ll use the following example, of converting CAD to USD. As you can see, it’s a fairly straightforward, 6-step process.

  1. Signup With TransferWise. Registration is free, all you’ll need is an email address, or you can use an existing Google or Facebook account. You can sign up through the TransferWise website, or by using their mobile app.
  1. Set an amount that you wish to send. TransferWise will let you know upfront what the fee will be, and when your transfer will arrive.

Here’s a snapshot of the calculated pricing of a $1,000 CAD transfer to USD. As you can see, the direct debit fee is only $2.58 CAD, and the Transferwise’s overall fee is $11.61 CAD. When you take into account the fact that you’re also saving money on the exchange rate (due to TransferWise using the mid-market rate), you’re going to save money with TransferWise vs. your bank.

  1. Provide your recipient’s bank account info. TransferWise does provide the option of reaching out to your recipient to collect their information directly.
  1. Confirm your identity. TransferWise is able to verify your ID online, and in some cases, that may require you providing photo ID, such as a driver’s license or passport.
  1. Fund your transfer. You can do this through direct debit (bank account), bill payment, wire transfer, or a debit/credit card. According to my calculations, you’ll incur the lowest fees via direct debit.
  1. Track your transfer. You’ve done everything you need to do. The rest is up to TransferWise, who will make sure your recipient gets their money. TransferWise allows you to track the progress of the transfer until it arrives at its destination.

I should point out, in my example above, the for sending payment via direct debit was $2.58 CAD Here’s a list of what the fee would be for the same transfer, using other payment methods. In this case, direct debit is by far the cheapest option.

  • Debit card $20.09 CAD
  • Credit card 29 CAD
  • Domestic wire 50 CAD
  • Bill payment 50 CAD

TransferWise Fees Explained

You may be wondering how TransferWise fees are structured, compared to other companies, or even your bank. When you send money, there are typically 3 components to a TransferWise transaction. Here’s how it breaks down:

Payment Fee

TransferWise charges a fee when you send money to your account for payment. You have up to 5 options, depending on the currency: bank debit, debit card, credit card, wire transfer, or bill payment. As you can see in the CAD to USD example I provided above, the bank debit method is the cheapest.

Transfer Fee

The transfer fee is expressed as a percentage of the amount of money being sent, but in most cases, it’s below 1%.

Real Exchange Rate

The third, and final component, is the currency exchange. With TransferWise, your funds will always be converted at the mid-market, or real exchange rate. This is the rate without the 1-4% spread, or hidden fee, which is always added on by your bank or broker. If you exchange funds on a regular basis, this is where you can realize enormous savings through TransferWise.

The TransferWise Borderless Account

The TransferWise Borderless account is a thing of beauty. If you are a freelancer or own a business with clients in several countries, TransferWise makes receiving payment in any number of foreign currencies a breeze. Here’s how it works. You start by opening your borderless account through the TransferWise app. From there, you can hold accounts in up to 30 foreign currencies, opening each one with a single click. You will be assigned a personal account number in each currency.

Anyone can then transfer money into an account, and you won’t pay any fees. As I mentioned, you can hold money in your account in over 30 currencies, and transfer currencies within seconds, at the real exchange rate (translation: far cheaper than your bank). TransferWise will charge a nominal fee for the exchange, which is displayed in an upfront, transparent fashion. Now, here’s where it gets interesting.

The TransferWise Debit Mastercard

You can now get a TransferWise debit Mastercard that allows you to spend the balance in your TransferWise Borderless account, anywhere Mastercard is accepted. What’s cool is that if you don’t have enough funds in the local currency, TransferWise will automatically pull available funds from the currency with the lowest exchange fee (providing you have funds available).

Features of the TransferWise Borderless Account:

  • Hold up to 30 foreign currencies in your account
  • No fees to receive payments into your account
  • Free ATM withdrawals up to £200 monthly
  • Nominal fee charged when you exchange between currencies (0.35-2%)
  • Convert funds between currencies instantly, at the real exchange rate
  • Debit card can be used worldwide, anywhere Mastercard is accepted.

With the addition of the TransferWise debit Mastercard, you may not even hold a U.S. dollar account through your primary bank. If you receive U.S. funds into your TransferWise account, you could simply hold the funds, and exchange or spend when necessary.

Is TransferWise Safe?

Anytime you’re dealing with a new company, especially one that’s going to be handling your money, you want to know that your funds, along with your personal information, is safe. You can be rest assured that this is the case with TransferWise. The company is registered with the financial regulating agencies in all of the major countries in which they do business.

For example, in Canada, TransferWise is registered with FINTRAC, which helps detect, prevent and deter prevention and money laundering as well as the financing of terrorist activities. All major financial institutions in Canada are required to report transactional information to FINTRAC.

Likewise, in the U.S., where TransferWise belongs to the Financial Crimes Enforcement Network (FinCEN). Not only that, but TransferWise deposits are held in financial institutions that are protected by the Federal Deposit Insurance Corporation (FDIC).

Transferwise Comparison (vs. PayPal/WorldRemit/RBC)

For a quick look at how TransferWise stacks up against the competition, I took a screenshot of a helpful comparison tool directly from the TransferWise website. This allows you to get a real-time look at the exchange rates and fees for a TransferWise transaction and compare it with the same transaction from a few key competitors, in this instance, Royal Bank, PayPal, and WorldRemit.

You’ll notice in this example that TransferWise is the only company offering the mid-market exchange rate. So, while their fee is actually the highest on the list, you would come out between $6-19 ahead with TransferWise vs. its three competitors. Keeping in mind, of course, that this comparison was done using TransferWise, and not a 3rd party app.

Transferwise Contact Info

If you’re looking for support through TransferWise, I recommend that you start at their Help Centre, located on their website. Here they have a tonne of articles designed to answer just about any question you might have. If you’ve gone through the FAQs, and you still have questions, TransferWise makes it easy for customers to reach them anytime, via email or phone. In Canada, telephone contact hours are between Monday-Friday, 9 AM-7 PM EST. Or, you can send them your question via email right on the website.

Final Thoughts on TransferWise Canada

Like most financial products and services, TransferWise isn’t for everyone. For example, if you only perform the occasional foreign exchange transaction, then it’s likely not worth the effort just to save a couple of bucks here and there.

However, if you buy and sell foreign currency with any regularity, either personally, or for business reasons, and you’re currently doing so through your primary bank, you really should consider moving that part of your business to a company like TransferWise. You’re simply leaving too much money on the table otherwise. And now, with the introduction of the TransferWise Debit Mastercard, making it easy to spend your foreign cash, that value proposition becomes even more pronounced.

TransferWise Review: A Better Way to Conduct Foreign Exchange? appeared first on MapleMoney.


By |2024-02-27T11:18:20+00:00October 11th, 2019|Blog|0 Comments

The Best Places for Foreign Money Exchange

posted from http://feedproxy.google.com/~r/mrsjanuary/~3/UElOJrPLigE/

Planning a trip abroad? If you’re not careful, your budget can quickly be eaten up by high foreign exchange rates and fees. In this article, I’ll cover the many ways to exchange foreign currency, before or during your trip. In addition to showing you the cheapest ways to exchange money, I’ll let you know which currency exchange methods you should avoid.

Foreign Exchange – A Common Mistake

Many people think they can pick the best time to buy or sell foreign currency. As with investing, trying to time the markets is never a good idea. With any foreign exchange, the best approach is to plan ahead.

For example, if you’re planning a trip for which you’ll require a large amount of U.S. cash, and you’re not happy with the current exchange rate, you could decide to buy smaller amounts in regular intervals leading up to your trip. Trust me, trying to guess what direction the Canadian dollar is going to move, and when, is a fruitless effort.

Thankfully, regardless of what the Canadian dollar is trading at, you can always save money by finding better ways to buy and sell foreign currency. So, without further ado, here is my list of the best places to exchange money

No Foreign Exchange Fee Credit Cards

One of the easiest (and most convenient) ways to save on foreign exchange, is by using a credit card that waives the foreign exchange fee. For this, my top two choices are the Rogers World Elite Mastercard and the Scotiabank Passport Visa Infinite. Here’s a brief summary of what each card has to offer:

Rogers World Elite Mastercard

The Rogers World Elite is a no-fee, premium cashback credit card geared specifically for people who make a lot of purchases in a foreign currency ie. frequent travellers, or avid online shoppers. I should point out that this card doesn’t actually waive the 2.5% foreign exchange fee charged by most credit cards, instead, it pays a whopping 4% cashback on all purchases in a foreign currency.

This way, the cashback is enough to offset the 2.5% forex fee, while the cardholder benefits from a net 1.5% cashback. All without an annual fee. In addition, the several different types of insurance protection, including emergency medical, and trip cancellation and interruption coverage. I’ve included a list of features and benefits of the Rogers World Elite below, or for more information, you can check out my recent, in-depth review.

Features:

  • Premium card, no annual fee
  • $25 signup bonus
  • 1.5% net cashback on all purchases in a foreign currency
  • 2% cashback on Rogers purchases
  • 1.75% cashback on all other spending
  • 19.99% purchase interest / 22.99% cash advance interest
  • Annual income threshold, $80,000/$150,000 household
  • Private Lounge Access via Mastercard Airport Experiences
  • Additional cards are free

Scotiabank Passport Visa Infinite

Unlike the Rogers World Elite, the Scotiabank Passport Visa Infinite actually waives the foreign exchange fee. Otherwise, it’s a premium Visa card that rewards customers when they spend on groceries, restaurants, entertainment, and transit. Another big perk to this card is the robust insurance coverage. It boasts more than 12 different types of travel and purchase protection. You can get more information on this foreign exchange friendly card in my detailed review of Scotiabank Rewards.

Features:

  • Signup bonus of 30,000 Scotia Rewards Points ($300 value)
  • 2 points earned for every dollar spent on groceries, restaurants, entertainment, transit
  • 1 point earned on all other purchases
  • Priority Pass access included, with 6 complimentary passes/year
  • No foreign currency transaction fee
  • $139 annual fee
  • Minimum income requirement ($60,000/$100,000 household)
  • 1 Free supplementary card ($50 value)
  • 24/7 Concierge Service
  • Includes 12 different types of travel and purchase insurance

Get a U.S. Dollar Credit Card

Another way to save on foreign exchange (when you’re travelling to the U.S.), is to avoid it altogether. Most Canadian banks offer a credit card that’s in U.S. dollars. This is different than a no foreign exchange fee card, in that no exchange actually occurs at the time of transaction.

To make a U.S. dollar card work, you’ll want to have a USD chequing account where you can accumulate U.S. dollars. When you need to pay off your credit card balance, you can transfer funds directly from your USD chequing account without any foreign exchange.

Of course, to get the money in your account, you’ll need to exchange CAD to USD at some point, but you have more control over when, and how you’ll exchange funds. A U.S. dollar credit card also helps in that it reduces the need to be carrying large amounts of U.S. cash when you’re across the border. Each of the Big Five banks offers a U.S. dollar credit card:

  • TD U.S. Dollar Visa Card
  • BMO U.S. Dollar Mastercard
  • Scotiabank US Dollar Visa Card
  • RBC U.S. Dollar Visa Gold
  • CIBC U.S. Dollar Aventura Gold Visa Card

Use an Online Exchange

One of the cheapest ways to exchange money is through a dedicated online exchange. Because these companies buy and sell huge volumes of foreign currency in bulk, they are able to provide better rates, on average, than banks and credit unions. These companies are fully regulated and licensed to do business in Canada. Examples of online currencies would be KnightsbridgeFX and TransferWise. Here’s a more detailed look at Knightsbridge, which is headquartered in Toronto, and TransferWise.

Knightsbridge Foreign Exchange

KnightsbridgeFX provides online foreign exchange to Canadians at a better rate than what you would pay through your primary financial institution. In fact, they guarantee that they will beat any rate offered by your bank. According to Knightsbridge, you can book a forex transaction within minutes, and arrange for payment from your bank account. Knightsbridge promises same-day delivery, providing that you place your order prior to the daily cutoff.

One downside to Knightsbridge is that they have a minimum exchange threshold of $2,000, so you really can’t benefit from their service unless you’re exchanging lump sums of money.

TransferWise

TransferWise is a British company that makes it possible to send money around the world, at fees that are up to 8X less than what you would pay through your bank. When you open up a borderless account with TransferWise, you can quickly and easily send money to your recipient, in their local currency.

According to TransferWise, all that’s required is for you to deposit funds into your TW account, and exchange the funds into your selected currency at a rate that’s far lower than what your bank would charge (TransferWise does charge a small fee). Once the funds are converted, TransferWise will deposit into the recipient’s account on your behalf.

Norbert’s Gambit

Norbert’s Gambit is an investment strategy designed to avoid the spread that banks charge on CAD/USD foreign exchange transactions. If you’re an experienced investor who deals in larger volumes of currency exchange, Norbert’s Gambit could save you thousands of dollars over time.

Here’s the idea, in a nutshell. An investor buys shares of a stock or ETF on one exchange, then requests that their brokerage journal the shares over to the exact same listing in the foreign currency, at the market exchange rate, finally selling the shares in the currency that you want to end up with. In doing so, the only fees you should encounter would be the transaction fees of buying and selling the securities.

For more information, including how to execute it without paying any trading fees, here’s an article I wrote on Norbert’s Gambit.

Exchange Money Through Your Bank Branch

I suspect this is how most Canadians conduct foreign exchange, but it’s certainly not the cheapest way to go. On average, your bank branch is going to charge a higher rate on foreign exchange than the online methods that I described earlier (KnightsbridgeFx, TransferWise).

Here’s a tip, however. If you’re buying or selling U.S. dollars through your bank, open a USD chequing/savings account, and complete foreign exchange transactions on your own, via online banking. Most banks offer a slightly better exchange rate online because it’s not tying up expensive branch resources.

Exchange Money at an Airport or Hotel

I’m including this one in my list because it is certainly an option, but it’s not one I recommend. Many airports and hotels offer foreign exchange services, but they are incredibly expensive. You’ll often pay 10% or more in fees alone, over and above the exchange rate. Essentially, you’re paying for the convenience and the airport/hotel is betting that your options are limited. It’s a lot like buying food at a sporting event, or movie popcorn. That said, if you’re in a pinch, it is an option.

Foreign Exchange – Things to Avoid at all Costs

While there are many ways to exchange foreign currency, there are a few that you should avoid at all costs, because they’re either too expensive, a bit shady, or downright illegal. Of course, it goes without saying that whenever you travel abroad, be sure to take every precaution to protect yourself from theft, or fraud.

Dynamic Currency Conversion

When travelling abroad, many retailers will give you the option of paying in your home currency, meaning that they will do the exchange on their end, before you pay the bill. Never agree to this, as the exchange rates and fees they charge will always be higher than what you would pay using your own credit or debit card. When you’re presented with the option, always pay in the

Foreign Exchange Scams

Money exchange scams are becoming far too common, and it’s something you need to be aware of when you’re travelling. Always make sure you’re exchanging money through a reputable financial institution. Be wary of any individual who offers to exchange your money at a better rate than what the bank is offering. You could receive counterfeit funds in return, or have money stolen from you in the transfer process. You know what they say, “if it sounds too good to be true…”.

Foreign Currency Black Market

It should come as no surprise that there’s a thriving black market for foreign exchange. After all, anytime money can be made by circumventing the legal channels, there will be someone who’s willing to try. Taking part in a foreign currency black market is not only dangerous, but it could also result in your being caught, and arrested.

Do’s and Don’ts of Foreign Exchange

As you can see, there are many ways to exchange foreign currency. Unfortunately, only some will save you money. To summarize, I’ve created the following list of foreign exchange Do’s and Don’ts:

DO…

  • apply for a credit card without foreign exchange fees.
  • exchange lump sums through an online exchange ie. TransferWise
  • use a U.S. dollar Visa to avoid exchanging altogether
  • open a foreign currency bank account to accumulate/store funds
  • consider Norbert’s Gambit (experience investors only)

DO NOT…

  • time the market. No one knows what the value of the CDN dollar will be
  • exchange money at an airport, or a hotel, unless it’s an emergency
  • buy foreign currency at your bank branch
  • use prepaid travel cards (high fees and service charges)
  • allow retailers to do the currency conversion prior to making a purchase
  • fall for a forex scam. Remember, if it’s too good to be true….

The Best Places for Foreign Money Exchange appeared first on MapleMoney.


By |2024-02-27T11:18:20+00:00October 11th, 2019|Blog|0 Comments

Naomi Campbell Net Worth

posted from https://wealthygorilla.com/naomi-campbell-net-worth/

  Introduction Naomi Campbell is an English model, actress, and businesswoman from London. Recruited at the age of 15, she established herself amongst the most recognizable and in-demand models of the late 1980s and the 1990s. She is considered to be one of the greatest models of all time.  As of 2019, Naomi Campbell’s net […]

The post Naomi Campbell Net Worth appeared first on Wealthy Gorilla.


By |2024-02-27T11:18:20+00:00October 10th, 2019|Blog|0 Comments

6 Ways to Balance a 9-5 and a Work From Home Job at the Same Time

posted from https://addicted2success.com/success-advice/6-ways-to-balance-a-9-5-and-a-work-from-home-job-at-the-same-time/

For most people, when the clock strikes 5pm it’s quitting time. When you work a second job, it’s time to refocus and prepare for working for the rest of the night. The truth is, working one job doesn’t always cut it. Some households rely on a second income to make ends meet. When you have a part-time work from home job and a nine to five, it can be difficult to keep up with your responsibilities and find the right balance between fulfilling your commitment to both jobs without losing your mind.

Check out these simple tips for successfully balancing your regular job and your work from home gig:

1. Be Sure to Plan Your Week Ahead of Time

One of the best things you can do for yourself when you have a lot of commitments is to keep a close eye on your schedule. Unexpected events can easily pop up and ruin your productivity. What’s the solution? Try taking some time each weekend to focus on the things you must do in the upcoming week.

Perhaps there’s a company event or happy hour you want to attend on Friday night, and you’ll need to shift some of your work at home gigs to a weekend night or another day of the week. Also, once you’ve figured out how you are going to tackle your workload, you’ll be able to decline any invitations that pop out during the week that you didn’t plan for.

2. Determine Your Earning Goals

Whether you work as a remote customer service agent or you’re a freelance writer, the great thing about working from home is that most gigs offer great flexibility. Figure out how much extra money you need a month to run your household or pay off your debt and only work the hours you need to reach your goals. This will help free up more time for relaxing and spending time with family and friends.

3. Ditch the All Work And No Play Attitude

It’s easy to get stuck in grind mode especially when you’re fortunate enough to be able to earn money right from the comfort of your home. But you’ll need at least one full day off during the week to rest and recharge. When you have a work at home job, it’s easy to get caught up in working on a project when you have the day off.  Whether it’s watching a Friends marathon or baking cookies, it’s important to find time to do the things that you love. It’s the only way you’ll keep your sanity.

4. Don’t Think About Work on Your Day Off

When you are juggling two jobs, your mind is most likely always centered around working, whether it’s worrying about expense reports or how much time it’s going to take you to finish a freelance project before you can start the next one. It’s easy to let your mind take over on your day off and there’s no magic cure to stop it from happening. 

If you find that you’re really anxious about what you have to do and what you’ve actually managed to get done, consider making a list of all the tasks you have to do and check off the ones you’ve successfully completed. This reinforces in your mind that you’ve actually taken care of your responsibilities. Once you are assured that you have taken care of what needs to be done, try to relax your mind by doing something you love to do. Turn off your work phone and shut down your computer so that you don’t have constant access to work.

5. Come Up with Quick Fixes for Normal Life Tasks

When work takes over, it’s easy to forget about the normal things that help you lead a healthy and balanced life, like working out regularly or cooking dinner. When you’re working a second or third shift, doing such normality’s can become increasingly difficult.  What should you do? Since staying active is important, you can find ways to get in a quick workout throughout your working day.

For instance, instead of taking the elevator to your floor at work, consider using the staircase or taking a walk during your lunch hour. Maybe you can squeeze in a quick workout with a thirty-minute workout video.

There’s also a number of ways you can simplify your cooking routine. You can meal prep on the weekends when you have some extra time. Preparing and freezing your meals for the entire week can make things much more efficient because all you have to do is pop your meals into the microwave when you get home from work.

Crock-pot meals are also fast and easy to make. All you have to do is throw a bunch of ingredients into the pot and it’ll be ready to eat by the time you make it home from your first job. Making triple batches of your family meals is also another great option because you eat off leftovers for days.

6. Learn to Say No to Time Wasters

When your second job is at home, it’s relatively easy to take on other unimportant tasks or veer from the weekly schedule you’ve created for yourself. A one-hour detour from your schedule may not seem like a big deal but when you realize how much work you’ve missed during that chunk of time, you’ll be angry at yourself. Also, detours can throw off your entire schedule and before you know it you haven’t tackled any of your projects. What’s the solution? Be committed to sticking to the things you have to prioritize and say no to time wasters who eat into your important tasks.

When you have your end goal in clear sight, you’ll be motivated to see both of your jobs through. Whether you’re working a work from home job to pay off a debt, save for a car and help start your own business, when you know what you’re doing it for, you’ll look at your jobs as a means to an end.


By |2019-10-10T20:00:11+00:00October 10th, 2019|Blog|0 Comments

These 4 Things Can Destroy Your Internet Business

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Many people often talk about the strategies to implement into your content marketing but they fail to outline the elements you should be avoiding. I like to focus on both because from my experience, some people have an easier time following the DONT’s instead of the DO’s. Anyway, Google is changing things around quickly so it’s important we know what to focus on. For example, what factors used to matter several years back no longer matter as much because the search algorithm has changed. There is more emphasis on quality and increasing the user experience. If you view Google’s writing guidelines, you’ve noticed they made tweaks outlining the importance of quality, creative, formatting, and keyword usage. Next,

There is so much content being published daily that tries to answer content quality questions, with every blogger providing their own insight. Personally, I find too much information can be very confusing so I’ve decided to narrow it down, outlining the MOST important marketing blunders made by bloggers.

Let’s jump right in…

businesswoman and plan business strategy

BlackHat SEO Practice

If you want to succeed online, then it’s important you know the link building strategies to avoid. If you think Google hasn’t caught on, you’re completely wrong, because the recent Panda and Penguin updates were aimed at bloggers trying to manipulate the SERP’s. For example, in the last 4 years, we’ve seen the following…

  • Bulk link building
  • Spin content
  • Duplicate content
  • PBN’s (private blog networks)
  • Buying links

This has destroyed the quality of search results and decreased the user experience. Google gained popularity by providing searchers the type of content that is unique, providing a complete solution. Through manipulative strategies, affiliate websites have been able to outrank value adding content blogs, destroying the overall experience. Whatever you do, stay away from “blackhat” SEO and focus on a natural link building process. You’ll do much better in the long run because Google is always tweaking the SERP’s to crack down on SPAM sites.

Fake Followers

Social media is changing the way people interact online. At one point, it would take months for content to go viral, but now it takes minutes. The problem is many bloggers think the more people you have following you, the better for your content marketing but they couldn’t be more wrong. It all depends on the quality of followers you have so DON’T waste your money purchasing “fake followers” because you’ll be doing more harm than good. Next, social media platforms like Facebook, Twitter, and Google+ understand this is becoming a major problem and will ban your account permanently. Going forward, you’ll be restricted from logging into their platform and you’ll lose a vital source of relevant traffic.

Low Quality Content

One of the biggest Internet marketing mistakes people are making, low quality content will destroy your website. We are in a time where it’s about frequency and quality combined together. Google introduced a freshness update to help searchers find trending content but they’ve put greater emphasis on quality at the same time. Why? Simple…

First, up-to date information will ensure people find the most trending content available, increasing the user experience. Google has succeeded as a search engine because they will able to connect people with the MOST relevant information. Next, with the influx in websites all competing for traffic, something needs to differentiate them all, other than websites and a link building campaign. If you want to stand out compared to your competitor, then focus on quality going forward.

Lack of Passion

One factor that differentiates people who succeed online compared to those who’ve failed is “passion”. You have to be passionate about the industry you’re in or you’ll give up without putting 100% going forward. You have to remember the business of online marketing is very difficult and there are going to be times you don’t make money, attract a following, and feel like you’re making progress, but it’s your passion that will keep you pushing forward. Here’s something the late Steve Jobs said about passion…

There are going to be times you’ll want to give up and many people do because it’s the obvious and easiest thing to do. However, it’s the insane ones who keep pushing forward because they’re crazy about the business they’re involved in. If you want to succeed, then you’ll have to be crazy about your niche so you keep pushing forward when everyone else is telling you to give up.


By |2024-02-27T11:18:20+00:00October 9th, 2019|Blog|0 Comments

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Marketing plans for businesses usually start with the assumption that the owner has a healthy lead list and a thriving website. What happens if you don’t meet these commonly assumed standards? Chances are, you’re going to end up reading through a list of tips that don’t apply to your brand.

We want to shift the perspective for new business owners just like you. Today we are going to look at five tips you can start using today to grow your audience pre-launch. The topics include:
1.Creating customer personas
2.Developing a “Coming Soon” page
3.Writing guest posts and working with influencers
4.Engaging with consumers on social media

Let’s dive in!

Identify Your Target Audience

Before you can build your audience, you have to understand who you’re targeting. You have to deliver marketing material and products to consumers that understand the problem you hope to solve, and are currently looking for a solution to the problem, as mentioned earlier.

Let’s say you plan on starting an eCommerce storefront that sells computer parts. Do you think you would target consumers who generally don’t use computers, and instead rely solely on their smart device? The answer is no. You want to find people that have an interest in building computers and are looking for an affordable, high-quality parts vendor.

There are multiple ways you can create customer personas that represent your target audience. In essence, a customer persona sheet is a chart that identifies the goals, pain points, and personality traits of your target audience. Below is an example of a customer sheet for a technology-themed business.


You can find information out about your audience by searching social media groups within your niche. Read the posts and comments from the general audience, and you’ll learn more about what they expect from products or services in your industry.

Additionally, you can add Google Analytics to WordPress and view the traffic of your “coming soon” page and learn more about your target audience using on-site figures. We are going to dive into coming soon pages and how they can help grow your audience next.

Create a Coming Soon Page

A coming soon page is a great way to grow your audience before your site officially launches. Business owners and bloggers using these types of early access pages to inform curious customers, grow their lead list and improve their SEO ranking pre-launch.

The sooner your site is online and indexed, even if it’s just a coming soon page, the better chance you have of getting recognized and rising in rank.

Additionally, you can use this opportunity to ask consumers that land on your page to sign up for your email list for future updates. When you use this tactic to grow your business, you’ll see that most industries have a built-in audience, you have to create products that appeal to the correct audience.

Luckily, creating a coming soon page is simple when you use a WordPress plugin like SeedProd. SeedProd is known as one of the best tools for small business owners who want to grow their audience pre-launch.

You can create customized pages with information your target audience would find relevant, such as launch day and initial products. Here’s a sample coming soon page that is bound to draw in a broad audience before launch day.

Engage with Users on Social Media

If you want to build a large following, you have to show the community that you’re willing to talk. One of the best ways to personally reach out to users pre-launch is with your social media channels. At this time, you probably don’t have a large following.

However, the more you are willing to post thoughtful discussion topics, polls, and respond to consumers that ask questions, the more likely people will engage with your brand once you go live.

You should consider hosting a giveaway or caption contest if you want to get people involved early in the development cycle. There’s nothing like a prize to get people engaged with your business.

There are plenty of good prizes to give away, but think carefully about your decision before you launch your first contest. Prizes like Amazon gift cards are likely to cause a surge in your traffic and followers, which is excellent, but this will not result in long-term engagement. People will likely enter your contest because they are interested in free Amazon cash, not your product or service.

If you want to build your audience early with a contest, offer something that will help your target audience. Let’s revisit the example we used earlier. The owner of a computer parts website would likely create a contest where the winner gets a new graphics card. The number of participants will drop, but the leads who entered are genuinely interested in what you’re offering.

Work with Influencers

Influencers are internet personalities that are wildly popular on channels like YouTube or Instagram, as well as private blogs. Working with these individuals is a great way to expose your brand to a broad audience before your site goes live.

There are two ways to work with influencers this early in development. First, you could offer to write guest posts for blogs within your niche. In your author bio, you can include a link to your coming soon page and potential home page.

Finding partners willing to accept your guest posts is no easy feat. Most publications and online influencers have strict rules and regulations to follow, especially as it pertains to the type of content you’re submitting. Make sure that you’re always offering content that provides valuable information to readers, and establishes you as an authority in your industry.

You could also work with YouTube or Instagram influencers by sponsoring one of their videos. Allow the internet personalities to mention your business, what you hope to solve, and your website. Consumers viewing this content will see your site, and end up on your home page.

Conclusion

There are plenty of ways to grow your audience before you launch your website. The most important lesson you should take away from this piece is your target audience is responsible for the success of your business. You have to work hard to change their lives positively and solve a problem that no one else has adequately addressed.

As your business grows, you’ll likely create new products or features. As long as you are keeping an eye on your target audience through engagement and analytic examination, you’ll have no problems growing your business well beyond the day your site goes live.


By |2024-02-27T11:18:20+00:00October 9th, 2019|Blog|0 Comments

8 Keys to Managing Your Mental Health When Starting a Business

posted from https://addicted2success.com/entrepreneur-profile/8-keys-to-managing-your-mental-health-when-starting-a-business/

It can be challenging to focus on vital things like your health when you are in the midst of building a business. Many founders and startups forget about their mental health because they want to make everything perfect, no matter what it takes. 

We constantly hear about mental health in the news. People are depressed, anxious, and not happy with their life. Because of this, we must seriously tackle this problem and take action. Depression, anxiety, and mood disorders provoke burnout and become a toxic element within a company’s culture.  

Here are 8 keys to managing your mental health when starting a business:

1. Your Mind & Body Are Interconnected

Mental, emotional, and physical health are deeply interconnected. Just as mental health problems can lead to alcohol and substance abuse, lack of exercise or a poor diet can cause depression and loss of focus. Gaining ten extra pounds is just as real for a founder when starting a business as a freshman because of the stress due to tests and exams. 

2. Why Priorities Are Better Than Your Objectives?

As a rule, founders are wholly devoted to their calendars and task lists. Unfortunately, the task list is just a reminder of the myriad of tasks that still need to be done. For most of us, the list of tasks is endless. This is an excellent recipe for an unbearable and uncontrollable load for your psyche. 

The definition of anxiety is when we feel our ability to achieve results is suppressed by current tasks. This is inevitable when the assignments are poorly formulated, too large, or don’t have a number.

Instead of a list of tasks, switch to a list of priorities for the day, which includes only urgent and important tasks at the same time. It may be more challenging to complete these tasks, but the satisfaction of completing them will not be compared with anything.

3. Vacation is Important

Founders need to consciously take a vacation with a digital detox to disconnect from work. If the founder cannot disconnect on his own even during the holidays, try traveling where it is impossible to be in touch regularly. Burnout is rarely suspected due to failures in parsing failed startups, but the trained eye will often find its effect on the decline of the company.

As a rule, people in business spontaneously apply the following strategies to solve their psychological problems:

  • Ignoring all issues as if they did not exist at all.
  • Deferring their decisions.
  • Attempts to replace the search for the right solution with half measures or false steps (endless discussion of problems with relatives and friends, visits to psychics and sorcerers, drunkenness, drugs, gambling).

“As you grow older, you will discover that you have two hands, one for helping yourself, the other for helping others.” – Maya Angelou

4. Meditation is The Right Source for New Ideas

The founders must include physical activity in their routine and monitor their diet. Yoga, meditation, or breathing practices are beneficial. Take time to try these different practices.

Write about what you are grateful for (it helps you to remain appreciative), why you feel stressed (the solution is more natural when you pour problems onto paper), how you grew up in a day (small victories) and then make a to-do list. This helps to focus and find balance if you like to meditate.

5. The Wrong Diet May Destroy You 

With a wave of new products, foods, drinks, nootropics, it is easier than ever to include vital vitamins and nutrients in your diet. Try foods that are full of nutrients and have minimal side effects.

6. Social Cooperation and Health

Some of you are so lost in your projects that you forget about life outside of the business. Find time for friends, loved ones, children, and even animals. Remember, it is not the amount of time, it’s the quality. 

Understand your “hot” and “cold” zones at work. By doing so, you can plan your day to work in a convenient way for you. Make sure to also allocate time for social activities. Professionals always know how to organize any business or plan by working efficiently and not just a lot.

“The only person who can pull me down is myself, and I’m not going to let myself pull me down anymore.” – C. Joybell C.

7. Always Be Informed to Avoid Mental Health Issues

Learn about signs of depression and burnout. Drowning people do not wave their hands and do not shout for help – they silently go underwater. Only trained rescuers usually notice trouble. The same thing happens with depression, as these people don’t usually spend time in endless complaints or sadness.

The following symptoms should alert you:

  • A constant feeling of pessimism.
  • Sad or anxious mood.
  • Changes in behavior or loss of interest in activities that previously brought pleasure.
  • Changes in diet and meal times.
  • Changes in sleep time.
  • Irritability.

8. Change Your Activities

If you’re used to working with what’s called your head, it will be beneficial for you to go to the gym. While it’s not always possible to be at the gym, it will be enough to water the flowers, move the chairs, or take a quick step along the corridor. It is essential to switch from one activity to another whenever you feel that stress is returning. If stress has caught you on the bus, get off at the nearest stop and walk for 10-15 minutes.

Creating a business is a difficult task because of the mental, physical, and emotional toll it can take on you. At the same time, our ecosystem is toxic, and dozens of factors contribute to making building a company even more difficult. There are real steps that each of you can take to begin eliminating this toxicity.

How do you manage your mental health and ensure you don’t overly stress? Share your ideas with us below!


By |2024-02-27T11:18:20+00:00October 9th, 2019|Blog|0 Comments

Mum’s the Word: How Mantra Meditation Can Help When You’re Expecting

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You're reading Mum’s the Word: How Mantra Meditation Can Help When You’re Expecting, originally posted on Pick the Brain | Motivation and Self Improvement. If you're enjoying this, please visit our site for more inspirational articles.

Your body is preparing for motherhood; an incredibly rewarding but physically demanding adventure. If you find yourself in a maelstrom of mood swings –  amidst the cramping, soreness, nausea, cravings and other palpable changes that characterise the experience of early pregnancy – you are not alone. 

People who have prior experience of this epic journey and those who are embarking on their first pregnancy alike will recognise the resplendent rarity of those moments where you feel truly at peace. They are all too fleeting, when you are usually caught between the rock of your bodily discomfort and the hard place of your pre-birth to-do list. 

Expectant parents who integrate meditation into this intensely vibrant period reap multiple rewards. These range from tranquility on tap, to the host of developmental benefits that a calmer host nervous system offers the baby. Mantra-based meditation is one of the easiest types of meditation to take up, making it eminently suited to this brilliant but busy time. 

Meditation: a counterintuitive catalyst for calm 

In pregnancy, just like the rest of life, we can find ourselves wading stoically through the sands of time that stretch between each mini oasis of calm we experience. It is easy to forget that it is possible to take steps, like practicing meditation, to actively increase our access to serenity. 

Pregnancy is a totalistic lifestyle change. It can feel overwhelmingly full of unfamiliar sensations, guidelines to follow and new skills to learn. Adding an extra activity to your day-to-day repertoire may feel counterintuitive. Likewise, you might feel that there is something off-beat about taking time out of your new-parent marathon – preparing the world around you for the new arrival growing inside you – to focus on your own inner world. 

However – when your me-time activity is mantra-based meditation – you can benefit your growing baby exponentially, at the same time as carving out some grounding for your frazzled but excited self. Pregnant people who make time for regular meditation effect powerful changes to the functioning of the body, boosting the healthy development of the passenger(s) within. 

Explore alternatives to “avoiding stress”

The injunction to avoid stress is one of the most impossible tasks dressed up as advice with which our society traditionally bombards pregnant people, as well as those who are trying to conceive. In reality, stress is inevitable, particularly when your existence involves aggregating your regular financial and professional pressures with the sense of responsibility parenthood entails, all at the same time as taking every possible measure to safeguard the health of your developing baby. 

Rather than cautioning people to avoid stress – an endeavor destined to become a stressor itself, by generating a perpetual sensation of failing – a much more holistic approach would be to make everybody aware of protective stress-management techniques like meditation. Knowing that you can defend yourself and your baby against the ill-effects of any stress that you experience will empower you to live your most fulfilled life throughout your pregnancy. 

Prenatal stress: managing associated risks 

The link between prenatal stress and fetal development is not yet fully understood, but is believed to relate primarily to the transmission of stress-related hormones from mother to baby, in the womb. 

When we are stressed, our bodies enter a primal state called “fight or flight” mode, producing the stress hormones, called neophrenine and cortisol. These set the heart pumping faster and more blood flowing to the muscles, to ready the body to defend itself from danger. Unfortunately, in our contemporary, western mode existence, the most dangerous thing about nearly all situations that precipitate stress is actually “fight or flight” mode itself, and the long-term health risks of entering this hyper vigilant, tensed-up state. 

People who experience stress regularly become predisposed to develop a multitude of associated health problems. Constantly flowing cortisol impacts our breathing, circulation, and the mechanisms by which our bodies process impurities and fight off infections. The stress hormone can also pass from mother to baby via the placenta – an organ that develops in the uterus during pregnancy in order to pass oxygen and nutrients to the growing baby. 

Learning an effective technique to manage stress during pregnancy is therefore one of the most beneficial things an expectant mother can do to reduce the likelihood of the baby developing preventable health problems. High levels of stress not only diminish the nourishing capabilities of the host body, but also heighten the risk of negative birth outcomes, such as premature delivery and low birthweight. Circumnavigating the acute stress state and thereby reducing levels of cortisol in the body will help create the most protective possible atmosphere for the gestating fetus. 

Meditating for two: the protective effects of mediation

Everybody who practices it will have different perceptions of the ways that meditation has made a positive impact to their pregnancy. For people who are just getting started, some of the principal benefits of meditating in pregnancy include: 

Boosting your mood. Mantra-based meditation not only regulates the nervous system, reducing the toxic effects of stress, it also boosts the production of endorphins, which reduce pain and boost happiness. Mums-to-be who meditate are happier, more of the time, and this has a direct impact on fetal development. Across the potentially emotionally turbulent trajectory of your pregnancy, your sustained contentment will transfer a sense of stability and wellbeing to your offspring in the womb.  

Priming the body to nourish the baby consistently. Calming the nervous system through meditation allows the uterine system to function optimally. Meditation helps reduce the release of adrenaline and noradrenaline that accompanies stress, which means that blood flow around the body is more consistent. A developing baby can therefore benefit from a more streamlined supply of nutrients and oxygen than a stressed system would allow.

Making approaching birth easier. It is worth clarifying that mediation itself is not a birthing technique. However, the peace of mind and body that it lends expectant mothers is an excellent backdrop against which to learn the birthing techniques of your choice, helping you waddle towards your due date with confidence. 

Mantra-based meditation: the easiest type to take up

There are so many different types of meditation that it is easy to get lost in a maze of contradictory information when trying to choose the best type for you. All types of meditation have their benefits. However, not all types are necessarily equally synergistic with the physical demands of pregnancy. Sitting still for ten days on a Vipassana meditation retreat, for example, helps a person develop new defences against feeling buffeted by the eventualities of life. But it can be somatically gruelling and is therefore not generally recommended for people past the seventh month of their pregnancy. 

It is highly recommended that you seek guidance from an experienced meditation teacher as you embark on your practice rather than going solo, and also discuss your plans with your medical care team. 

Practicing mantra meditation quickly becomes second nature. Once you’re equipped with your own personal Sanskrit mantra, carefully selected for you by learned guides, you’re ready to get started. Practicing generally involves two twenty-minute sessions per day, in which you silently repeat your mantra in your mind. You can do this anytime, anywhere, allowing this process to work profound alchemical changes to your emotions at the same time as it releases the tension from your nervous system. 

You’ll feel the benefits quickly. When you’re taking up meditation during pregnancy, the last thing you need is to spend your precious self-care time feeling confused about whether you’re doing it right, or find yourself wondering whether it’s working. Rather than questioning their presence, let your mantra be your anchor as you cruise through the cocophanies of thoughts that can arise during your practice. People who take up mantra-meditation in pregnancy regularly report their surprise regarding the speed with which they start noticing dynamic changes taking place within their mindsets, bodies and lives.


Rosalind Stone is a wordsmith and editrix with a passion for exploring the emotions that can be evoked through wordcraft, and their ripple effects into our collective consciousness. She believes that meditation can empower everybody to unlock new facets of their personal potential, and currently writes to help more people access its benefits by increasing awareness of Beeja meditation.

You've read Mum’s the Word: How Mantra Meditation Can Help When You’re Expecting, originally posted on Pick the Brain | Motivation and Self Improvement. If you've enjoyed this, please visit our site for more inspirational articles.


By |2024-02-27T11:18:20+00:00October 9th, 2019|Blog|0 Comments