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@intelligenthabits
Quick Tip
Election Day is near. If you are not registered to vote, make sure to register as soon as possible so you don’t miss registration deadlines. Voting is an intelligent habit!
For more information on voter registration in your state, check out http://www.rockthevote.com/get-informed/elections/voter-registration-deadlines.html
Diversify EVERYTHING
We often hear from financial advisors that we should diversify our assets. Diversifying isn’t just good advice for our finances, but it’s also good advice for many aspects of our lives that indirectly impact our financial standing. It’s tempting to surround ourselves with people who always agree with us and never question our thought process, our accuracy in understanding facts, and our ultimate decisions. Nobody likes to hear he or she might be wrong about anything, let alone really important things. And, if we’re making decisions in concert with someone else or if we are heavily relying on information from a particular source that turns out to be unhelpful or even catastrophically wrong, it can be intimidating to break free from those negative influences. To admit we are wrong is not always an easy step. Adversity is challenging, but it’s really one of the best ways to learn and grow and improve our prospects in whatever our endeavors might be. Avoid cocooning yourself in a bubble and you will instantly find that your decisions will have a positive outcome. Here are three areas (other than your financial assets) where you should start diversifying immediately.
Diversify your personal contacts. Don’t wall yourself off from people that have a different world view or appear different. Nobody is saying you have to be best friends with everyone, but you should not be afraid to hear other points of view and ask questions. Composure and grace is all it takes to have a civil conversation, even when the participants in the conversation oppose each other’s view point. You should also make deeper contacts. Mere acquaintances might not feel comfortable telling you a brutal truth, that while difficult to hear, is still very important to know about yourself. If you happen to have a large family, you will usually have plenty of deep connections to individuals that have much to say about all of your choices. It’s not always a bad thing to have your behavior and your judgment tested. Nobody is perfect and when you have trouble understanding the detriment of something you are doing, it helps to have people around you that care enough to keep you in check and on a healthy path. Sometimes you’ll completely disagree with someone’s assessment of your decisions, but every now and then, you’ll hear a crystalizing word that will make an issue so much more apparent to you that it will benefit your decision-making process.
Diversify your news sources. Get used to gathering your news from all platforms. Don’t just rely on social media or TV news programs or print or one particular news organization. Instead, use all of those platforms and always make sure the sources are credible, meaning they have a good track record of accurate reporting. Also, learn to recognize the difference between actual facts (points that can be proved) and mere opinions. You will be so much better for it. Facts (rather than delusions) are your friends and essential to making good decisions.
Diversify your experiences. We often fear the unknown. There is no better way to overcome your fears than to know more and there is no better way to know more than to actually immerse yourself in experiences that will permit you to see a side of situations you are not normally exposed to. The more you know, the better you are for it. Nobody ever says he wishes he knew less or that he is worst off for his deeper and accurate understanding of World, domestic, and financial affairs. There are so many easy and free ways to diversify your experiences. If you’ve never volunteered, give it a try. If you’ve never visited a museum or a public library or watched a documentary, etc., give it a try. If you’ve never attended a single religious service or the religious service of a particular faith, try sitting through one service. Learning about a faith is different than following it. Nobody has to ascribe to what they are learning for the lesson to be valuable. Learning about a faith, an ethnic background, a socioeconomic group, a particular neighborhood, a nation, a political group or party, a corporation, a non-profit organization, etc., will help you understand some of the things that drive members of that group. You will have a better understanding of the challenges they face and the positive influences they offer.
We all know the saying that knowledge is power. Don’t give up power by closing yourself off to learning about actual, real-life situations while accepting exaggerations of a single uninformed individual or organization that happens to be loud and has an agenda that is not focused on the truth. The knowledge you gain will help you quell delusions (we almost never make good decisions when working with inaccurate information) and give you the power to make smart choices. And most choices in your life, even non-financial choices, will have an impact on your finances. From the leaders you choose, to the type of society you build, to the personal values you embrace, you will find that all of those non-financial choices will have an indirect, or even a direct, impact on your personal finances. Knowledge is power and power leads to financial security. The time to wise up is now.
Quick Tip: The clutter on your computer can cause just as much stress as clutter in your living space. Take some time to organize your electronic files and spare yourself unnecessary stress and all the costly symptoms of stress.
Don’t Overlook These Areas When Getting Organized
Most of our organizing efforts focus on living spaces, which makes sense because those are the areas that immediately impact our comfort. However, there are some small and less obvious areas of our lives that will greatly benefit from some attention. Here are two areas we don’t usually think about when getting organized, but that are very important to keep in good order.
Personal Hard Copy Files- Despite all our efforts to go paperless, we inevitably manage to accumulate large amounts of important hard copy documents. While we can make a diligent effort to scan every document, we usually won’t do it right away. Having an organized home for our paper documents will help keep the documents safe and will make them easily accessible when we eventually do need them in 10 years. Use simple file folders and labels to neatly store papers and keep them in a sturdy box.
Computer Files and Email Accounts- If you always know the right word to search when looking for a particular electronic file or email, you can easily find what you are looking for. It is still helpful to tidy up your electronic files, however. First, it’s visually calming to see a clean desktop or email inbox. Secondly, sometimes that key word slips the mind and suddenly it’s not as easy as you think to find that important electronic file.
Organizing our files has many of the same benefits as organizing our living spaces. From decreasing stress levels to saving time when it comes to finding the documents we need for various endeavors, keeping organized records will prove to be an intelligent habit.
A Good Place to Start Organizing
Getting organized can be overwhelming, especially if there is a long to do list. While it’s nice to have an end goal to strive for, you don’t have to stress yourself out by looking so far ahead. Instead, try breaking up your goal into multiple steps and then prioritize those steps. Here are three places that might make a good place to start your organization process.
Do a quick initial sweep of your rooms to identify items you know you want to throw in the trash or donate. Start by walking through your rooms with a trash bag and a donate bag. Ignore the items that you are on the fence about or that you know you will keep. This quick sweep requires little effort so it’s easy to finish and check one step off your to do list. It’s also a good way to start seeing results immediately, which will get you excited to take the next steps.
Tackle those closets. They are small spaces, making them manageable. Even if it takes you some time to finally decide to let go of an item that you haven’t used in years or if you find yourself reminiscing, you will still be able to get through these smaller spaces in good time. Plus, once you clear your closets, you make storage space and a new home for items that are crowding your living space.
Basements and garages might make a good starting point for your organization plan. Things that are stuffed in garages and basements are almost so rarely used that it will be easy to move most of those items to the trash or donation pile, clearing space relatively quickly. In addition to creating more storage space, a cleaner garage and basement will also provide useable space to house hobby materials or display collectibles that are taking up too much of your living space.
Good organization takes effort, but it is not impossible. Don’t worry about getting everything done in one weekend. Instead, focus on one particular part of your space at a time. Decrease that clutter and increase your living space!
Quick Tip: Spring is in the air. Open those windows and jump right into getting organized. Don’t wait. It’s ok to start small, but it’s important that you get started.
Spring Cleaning Means Money!
Spring is around the corner, so now is the time many of us are inspired to jump into a little Spring cleaning to freshen up the house and get organized. If the fresh Spring air is not enough to get you excited about getting organized, here are a few financial reasons to inspire you to refresh your surroundings.
Cleaning out our homes to create more space means getting rid of items we no longer use. One way to get rid of items is to sell them. Whether you love having garage sales or you take advantage of various websites to sell your unwanted items, it’s always nice to make some cash for something you no longer want.
Clearing clutter also helps decrease stress. There is a correlation between clutter and higher stress levels. While there are many stress points in our lives, clutter is a stress point we can easily address without having to spend money. Given the cost of treating chronic illnesses caused by stress, it’s important that we eliminate as many stress points as we can. Clearing clutter is entirely within our control, making it an easy stress point to immediately tackle.
Getting organized also helps us spend our money more efficiently. When we are surrounded by clutter, it is easy to lose track of what we own, which sometimes leads to duplicate and unnecessary purchases. Get organized and avoid wasting money by buying items you already own, but just can’t find.
Spring cleaning is more than just good housekeeping, it makes good financial sense too! If you’re looking for motivation to start organizing those closets and clearing those basements and garages, think about the financial benefits.
Quick Tip
Get more out of your electronic devices than just popular games. Finance apps help keep us on budget, but don’t forget about the apps that help us with things that indirectly impact our budgets. For instance, physical fitness helps prevent so many chronic ailments that eat away at our budgets. Make a commitment to eat healthy and exercise and avoid preventable chronic diseases that will consume your money. The 7 minute workout app provides an exercise routine that takes a small portion of your time and doesn’t require expensive gym memberships or exercise equipment (see http://well.blogs.nytimes.com/2013/05/09/the-scientific-7-minute-workout/ ).
Quick Tip
Take advantage of Apps and Websites that help our budgets. For instance, the website https://paribus.co/ helps consumers get money back when consumers buy a product at full price that then goes on sale shortly after their purchase. We’re always on our electronic devices, so use them to help your budget.
Quick Tip: It takes money to make money, so the saying goes. Too many of us, however, find that every cent of our paychecks is spent on basic daily living expenses (rent, food, utilities, etc.), leaving nothing leftover to invest or save. Intelligent Habits motivates readers to analyze their daily habits (big and small) to find areas where a simple change can result in savings or actual additional revenue. Squeeze every dollar out of all your daily actions and decisions. From broad picture decisions such as getting out to vote for candidates that address your personal financial situation, to changing spending habits, to getting active to help prevent cost prohibitive chronic diseases, there are so many things we can do or change right now to find more money. Start by committing to one change right now that will help your budget. If you’re looking for inspiration, follow our blog for easy ideas to implement.
Strength In Numbers
It has been shown that while it is easier to overlook an individual, it becomes much more difficult to ignore or exploit a group of people. There is strength in numbers. Working together as a team has proven to be a successful tactic in many situations, whether to avoid mistreatment or gain certain privileges, but one of the greatest examples of the benefits of working as a group can be found in the immense change that came as a result of the unification of employees. Workers banding together have historically achieved great success in ensuring safe work environments and reasonable work hours, to name a few accomplishments. Here are a couple of reminders of how working as a team still benefits workers.
•Higher pay- Statistics show that when workers in a particular field band together to bargain for wages, they generally do earn more money than the workers in that same field that bargain individually. (See, http://money.cnn.com/2015/02/24/news/economy/union-wages/index.html) •Better benefits- Statistics also show that when workers bargain as a team, they generally earn better benefits, such as medical insurance, than workers that do not bargain as a team. (See, http://www.foxbusiness.com/features/2012/04/10/pros-and-cons-joining-labor-union.html)
It’s important to remember that working as a team is how we achieved many advances and banding together to create a more powerful voice will continue to be an important tool in reaching the pinnacle of success. Whether you are focused on accomplishing a personal goal or whether you want to foster change that will benefit an entire group or population (including yourself), pooling resources and building a team will usually help you go farther to reach goals.
Dubbed a 3-plus-1 program, students would pay county college tuition and fees for three years and university tuition and fees the final year, saving students thousands, officials say.
It takes a team to get on a good financial path. You can make and save only a certain amount of money on your own before having to rely on partners to help either stretch or increase your dollar. As an example, students paying for college on their own or for parents helping to pay for their kids, partners that generally help finance a college education usually include family (parents or other relatives that either help pay some college costs or pay for all of college costs, if a student is lucky), private banks (loans), the government (grants, government loans), and the colleges themselves (loans, scholarships, etc.). Sometimes, colleges will even provide more affordable tuition rates. Students should consider taking advantage of colleges offering a bargain on tuition rates. Paying for college requires a team effort, but finding a way to make a college education more affordable will take a team effort too. Take a look at this article from NJ.COM describing how some New Jersey colleges are teaming up to help curb the cost of earning a college degree.
Quick Tip: The New Year is around the corner. In addition to popping champagne, it’s also time for making resolutions. Whatever you resolve to do in the 2016, chances are you will need help to do it. So don’t forget to consider the team you’ll need to build to accomplish your goal. Whether you want to ease the stress of house work by delegating chores to the kids now that they are old enough to take on more responsibilities or whether you apply for a bank loan to get a business started, the people around you will be instrumental in helping you reach your goals.
The CEO of Zaycon Fresh shares the entrepreneurial lessons he learned from taking his circumstances and turning them into a major business opportunity.
Whether we receive help from family members, investment banks, or government programs, it’s important to remember that one form of assistance is not superior to another form of assistance. Don’t get caught up in how others label certain forms of assistance. This Entrepreneur article tells the story of successful business owners that needed welfare assistance for a time. There is no shame in seeking assistance. Every successful person relies on a team to help him succeed. Just remember to pay it forward and don’t fail to remember the help you received when someone else seeks assistance.
Donald Trump on Monday said his climb to the top of the business world hasn't been an easy one and depicted a $1 million loan from his father as "small."
Everybody needs a little help. Even people who are famously successful have received a helping hand from a team of people. This CNN article points to the fact that Donald Trump received a generous $1 million loan from his dad. Now that’s a pretty big helping hand. We’re not all lucky enough to have rich parents, but if we do our research, we too can find sources of assistance that we would be foolish to deny. The point is Trump (whether you like him or not) took advantage of help available to him and you should do the same, without fearing the fact that you need a team to build success.
Start Building a Team
Amongst successful people you will usually find that they got to where they are because of the team of people behind or around them. Even successful people who claim to have done it all on their own have really, instead, relied on a multitude of people to reach the pinnacle of their success. Whether we rely on our families, friends, neighbors, teachers, religious or non-profit communities, charities, government agencies, or paid professionals, a team can provide so many things, including: information, support, and money.
Information: Accurate and thorough information is vital to making good decisions or choices. Thankfully we don't have to know everything, but we should have a method for determining who does have the information we need. Conducting research and interviewing people we reach out to for help (whether they are paid professionals or a best friend that knows his stuff) will go a long way in ensuring we are asking the right people with the right skill set to help navigate us through any aspect of our plans that we are uncertain about. In addition to obtaining direct knowledge about how to achieve particular goals, a good contact or team member will also give us access to other contacts that could serve as our customers or clients or that could provide additional resources.
Support: Sometimes, we need a support system to succeed. No matter the industry or challenge, we can all appreciate having someone who will act as a bouncing board for us to test our ideas and theories. Sometimes our contacts (whether professionals or friends or family) also inspire us or provide us with moral support. Let's face it, sometimes we really need to be cheered up before we can move forward and a reliable support system will provide that important intangible. A team of cheerleaders will help us to keep going even when we want to give up.
Money: Finally, let's not forget that most ventures require money and because of that, a financier is usually an important member of the team. Whether you approach a bank lender or a friend or mom and dad, you need a team to help fund your goals, sometimes. Even wealthy people find themselves looking to lenders to help finance goals that are simply too expensive to independently fund.
Help and teaming can come from a multitude of places and can help us tackle a multitude of issues. All team members are valuable, regardless of the whether their services are paid for or free. Don't ever limit the assistance available to you. Don't listen to individuals who claim that seeking assistance is for the weak. Even those individuals have used a helping hand at some point from multiple sources, whether or not they admit it. Also, don't listen to those that criticize the source of assistance. Assistance is the same for one person as it is for another, regardless of the entity providing the help. Whether government or private assistance, for instance, we all need a team to lean on, so don't be persuaded by anyone who puts down one form assistance while he requires a different form of assistance himself. If you want to be successful or take your current success to the next level, start building your team today.
Quick Tip:
If you didn’t register in time to vote this year, make sure to register now so you don’t miss future voting opportunities. Register today. Don’t put it off and risk missing out on your chance to vote in the next election.
Visit: http://www.eac.gov/voter_resources/register_to_vote.aspx