Four Simple Ways You Can Make Your Working Day So Much Easier

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Work is inevitable. We all have to do it in order to pay the bills and live a decent life. Some people fire through every single day with very little problems. Others, however, aren’t that lucky. For the majority of people, work ends up being super tedious and awkward to get through. This isn’t the case through the entire day and the entire week, but those slower and more lethargic times do tend to hit. 

Whether running a business or working from home, you should always be looking for ways to be more efficient and more productive. If you’re don’t bother with that, then you’ll probably end up wasting a lot of time working hard when you could have finished, say, an hour or two before. Wouldn’t it be so much nicer on your mind and body if you could get through the working day a lot easier? Of course it would. 

What are the ways, though? What can you do to make the day slightly (or a lot!) easier for yourself? Well, here are four ideas for you to ponder. These can go for any instance – whether you’re running a business, employed by one, or are doing some independent projects:  

Prepare Properly 

You’re always told that you need to have good preparation if you want to succeed. Fail to prepare; prepare to fail – that’s the famous quote, and it still stands today. If you want a less harsh amount of pressure on your shoulders regarding your work, then you should probably plan out how your following day/week is going to pan out. As a responsible working human, you probably have a brief plan of action. Maybe writing it down and making it real can help you to organize yourself a little better. 

It’s also good to get into a routine. When you’re in one, your body and brain become accustomed to it. The first few days might be quite painful, but you’ll get used to it after a little while. After a few weeks, you’ll be wondering why you didn’t do it earlier.  

Be More Energized  

When you’re completely zapped of your energy, it can be very easy to slow down or to switch off completely. Make sure you’ve had enough sleep. Getting into an aforementioned routine might be able to help with that – an evening routine should get you nice and tired; ready for the early morning ahead! 

Be sure to fill your stomach with enough food and water throughout the day, too. It sounds too basic, but so many people around the globe aren’t getting enough nutrients when they are able to!

Upgrade Your Software

If you have old programs on your computer or older equipment, then you’re going to be hampering yourself in terms of your work. If you had a completely new set of programs and high-tech software like a project manager or a virtual data room at your disposal, you’d probably get things done in half the time. 

Don’t Rush Your Work

When you rush, you make mistakes. You also start to panic for some reason – even if you have all day. Slow down a little. Go slowly and think about what you’re actually doing so as to avoid mistakes. If you get the urge to multitask – don’t. Take breaks if you have to. Everyone needs that rest and rehabilitation – even if it’s for twenty minutes or so.  

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Business Leader Aura: Dress Sense, Vocal Etiquette And Posture

Open up a brand new web page or tab and go to YouTube. Then click on the Bloomberg and CNBC channels. These two media outlets are all about finances, business and trade. Many people of all kinds in all industries come onto the shows, and give you their opinion about what is going on in their professional world. For one, don’t listen to what they say just watch how they carry themselves. You know when you’re watching a business leader just by how they act. Subconsciously, they are giving off signals to our own subconsciousness and we immediately begin to trust them more and really take on board what they’re saying. If you are someone who owns a small business or perhaps just wants to look for a new career, then following their example is something you must consider. 

Look the part

Yes, yes, these days the young and budding entrepreneurs think that wearing ‘old fashioned’ clothes is a bore but wearing hoodies and joggers is the new standard. Wrong, for the young and brash wearing clothes you’d probably wake up to go to work is not a big problem, but for someone who wants to be respected automatically, you have to wear a suit. However, it’s not just any old suit you should take off the shelf, a custom suit designed around your body is what’s needed. Take a look at these mens custom suits, and see how the old traditions and the new styles are merging together. The professional tailors will work with you on a one-on-one basis. You give their your trust, and they will take your measurements. They’ll advise you on what kinds of features your suit can have for the vision you’re going for. A tailored suit is able to be spotted from a mile off among CEOs and other c-suite ranks; as well as the media and investors.

A droopy posture

Society really is in such a funny and strange era. Millions upon millions of people are constantly looking down, their necks bent forward, their shoulders caving inward. White collar jobs have increased substantially over the past two decades, so we all have a similar posture. It’s kind of concave almost as if there’s a gravity vortex in the middle of our chest. A droopy posture such as this, does not give people confidence in someone. It’s kind of weak and small. The simple fact of the matter is, for a business leader or professional looking to show confidence in their actions, broad shoulders, a straight back, a slightly puffed chest and proper width between the toes of your feet must be donned.

Confidence in conversation

Showing passion in your voice can constitute a constant shifting of tone and pitch. However, the art of holding a conversation is also a mark of a confident business leader. Conversation etiquette is something we have almost forgotten in society but in professional circles it is anything but. Take the time to listen to the other party, try not to interrupt and making engaging eye contact.

Business leaders carry themselves in a different way to normal people. They must dress smartly, behave courteously and look bold and strong to command confidence in any room they walk into. 

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Steps to Surviving an Office Renovation

When you need to move your business from being based at home to having an office then there are plenty of things to be thinking about. Likewise, when your current office lease starts to expire, then choosing to stay where you are, and perhaps think about upgrading your existing space instead, could be the thing to actually yield some pretty significant savings. However, being able to successfully do just that and make some big savings, then it will be something that will need a lot of planning, and a lot of time taken to ensure that the whole thing is done well. So with that in mind, here are some important considerations, so that if this sounds like you, and an office upgrade or renovation is on the cards, then you can help it all run much more smoothly.

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Stay or Go?

Before you think about renovating your space, then it is a good idea to make certain that relocating isn’t something that is a better option. Have a think about your ideal space requirements, and then with a designer or even an architect, you could see what would actually be possible where you are, or if a move would be better. You could even see what the issues are with where you are currently, as a landlord could consider reducing the price if they have some fixes to make, and if it would keep you as a tenant.

Establishing a Budget

In truth, the complete cost of a project or renovation will not be fully known until the work has been done. If there are any new projects, then a good thing to think about is having about 10% contingency in your budget, but that could reduce as time goes on and you see how well things are going. If you are making structural changes to the office site, then another 10% of contingency is a good idea to think about. You should also think about incorporating costs for things like temporary protection, site office hire, and partitions, as well as things you normally might not consider like having to cover the costs of overtime and additional workloads for you and your team. So carefully plan out a budget, but do remember to have a bit of a contingency plan.

Communication

In a lot of ways, there is a perception that a renovation done by the current occupants is just as important as the implementation of the work itself. But any change that comes to an office space or to a workplace, brings with it some possible anxieties, which can be very true if the reason for going so, or the impact, is not well understood. So make sure that communication over the project is rather clear and informative, so that all people that are involved, are aware of the expectations. Likewise, creating some actual mock-ups of what things could look like, can be a good way for the team to test things out and keep everyone in the loop.

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How To Pursue Your Passion

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No one likes the idea of getting a job in a field which they simply don’t care about. Having to spend a good portion of your time in a place which you don’t like will make life feel boring, but a lot of people find themselves in this position. Unfortunately, there aren’t a lot of dream jobs to go around, forcing those who want to achieve their goals to push themselves a lot harder than those around them. Of course, though, while your goals may be hard to make into a reality, it isn’t impossible to get a job that you love, and this article is going to show you how to do it.

What Do You Love?

One of the hardest parts of all of this for a lot of people is figuring out what they are passionate about in the first place. School never does much to help people with this, forcing them to figure out their own path in life. Instead, you need to think about what you most enjoy doing in your spare time, followed by figuring out a career which would give you elements of this in your daily life. For example, if you like to listen to music and can’t stop tinkering, looking at some audio engineering schools could give you an opportunity to start learning skills which you’ll enjoy using. This is much better than working at a job you hate.

What Can You Do To Get There?

The scope of your career will always be determined by the level of education you’re able to attain before you start building it. Not everyone has the same opportunities in life, and this makes it worth melding your path to suit the opportunities you have. For example, you may not have the money or time to go to school again, but may know people who already have roles in the field you like. You need to leverage the areas which you are able to work on the most, and this may involve climbing the ladder a little. As long as you’re still earning something, though, this shouldn’t be too painful to pull yourself through.

Keeping Yourself On The Right Track

It can be all too easy to give up when you’re approaching such a difficult goal. Getting a job which you love is something which most people never get to enjoy, and this shows that it won’t be an easy task. Instead, you will have to work extremely hard, pushing and motivating yourself along the way. Thankfully, though, there are loads of ways to help yourself with this. You need to think about the reasons you have for the goals you want to overcome, giving yourself the drive to get up each morning and push as hard as you can.

With all of this in mind, you should be feeling ready to get started on pursuing your passion. A lot of people struggle with this sort of work, finding it hard to know what needs to be done when they want to improve their career.

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10 Retirement Building Blocks for a Long, Financially Strong Life

Originally posted by Jerry Golden on Jun 11, 2017

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In a world where political ideas come and go, trends surge and falter, revolutions bloom and then fade, a few foundational concepts for retirement remain true: Income is of prime importance, planning for your specific circumstances will increase your financial stability, most retirement calculators are seriously flawed, and you can lessen – but not eliminate – the burden of taxes.

We recently completed a survey of the advice I have offered in this space for the past five years. Here are 10 retirement building blocks that I expect will remain useful no matter how long your retirement lasts.

The retirement foundation

To understand how to build a solid retirement, start with the idea that income is the prime goal. Savings are good, but only if they can be converted into spendable income to maintain the quality of life you had before retirement. Income is money that you can count on whether the stock market is plunging or your party is out of office. Social Security and company pensions set the standard. You can follow this guide to producing pension-like retirement income.

Think about retirement in two stages

Too much of the financial literature treats retirement as a single event. We are generally living longer, however, and our requirements change during those additional years. I plan for a two-stage retirement to account for different needs and wants as we mature. This video explains the benefits of looking at retirement in this way.

Optimize Social Security

For most of us, our Social Security payments represent a substantial percentage of our retirement income. Waiting to tap this valuable resource will increase your payments. Here I suggest how to wait as long as possible to start Social Security, in combination with other opportunities.

Minimize taxes

If you have a 401(k), a rollover IRA or own securities that have appreciated, taxes may take a large chunk out of your retirement savings. I explain how to defuse this tax bomb. I also believe it is prudent to minimize taxes and manage for income.

Learn about income annuities

Especially around Tax Day, you will hear many opinions about income annuities. I dispel some of those myths in this article. And in this blog I explain the benefits that I find in income annuities.

Why retirement calculators may fail you

There is no magic number for your retirement savings. Calculatorsgenerally input your retirement age, your income goal and number of years of payments, and then solves for amount of savings you need. Based on the results, the calculator (or an advisor) will tell you to save more or spend less. Here is my advice to increase peace of mind: Plan beyond the averages.

Add deferred income annuities and QLAC to the equation

deferred income annuity from a top-rated insurance company can provide income guaranteed for life at a date in the future, similar to Social Security or a company pension. For the second stage of retirement, an income annuity called a Qualifying Longevity Annuity Contract, or QLAC, purchased out of your Rollover IRA account can provide income to cover late-in-retirement expenses.

Develop spendable income

During your working years, you depend on getting a regular paycheck. Dependable, spendable income is the key to retirement, too. A large savings account doesn’t necessarily translate into income, as I illustrate in this article.

Save a legacy for your heirs

I argue that you should take care of yourself first. I refer to a couple of books that help you decide what is important to you and how you might be able to provide for all of it.

How to work with financial advisors

The decisions you make about your finances during retirement are some of the most important you will consider. Learn enough about your options so you can ask the right questions of your advisor – and trust your own judgment. You might find that advisors tend to operate in silos, constrained by the types of products their company sells. Educate yourself to feel more comfortable while you shop for retirement products.

Managing around life events

The closer we get to retirement, the more we realize that life happens. We can plan for some events, and others cause us to react. Second marriages, transitioning to a single life, and other life-changers are all events that can be managed for optimal financial outcomes, even if they are surprises.

Visit Go2Income for more information and guidance on how to create a plan that fits your retirement needs.

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3 Things That You Need To Be More Mindful Of In Life

In life, whether you realize it or not, you often live on autopilot. And it’s for this very reason that you may find that you don’t actually realize that you’re doing it. However, this can be quite dangerous. Because there are always going to be those things that prove to be a little risky in life. And these are the things that you ought to be a little more mindful of. But what are they? Let’s take a look.

Lifestyle Choices

First of all, we have your lifestyle choices. It’s easy to feel as if health problems come your way because they’re programmed to. But that may not be the case. Sometimes, the lifestyle choices we make with regards to food, exercise, and toxins, can contribute. So this is something to be more mindful of.

Carelessness

As a step on from, we have carelessness. Again, it’s easy to live on the conveyer belt and not overly think about our actions. Yet when we’re careless and not thinking, we’re at outmost vulnerable and at risk of harm. So it’s important to be alert and have your whits about you.

Everyday Hazards

And finally, there are those things in life that we’ve come to see as normal, yet can be very dangerous indeed. Like driving! There are so many risks and fatalities with driving, as you can see in the infographic below, that it’s important not to forget about this! So you need to be more knowledgeable on the risks and statistics, so that you’re not putting yourself or others at risk.

Infographic Design By car accident statistics

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Entrepreneurs: You Don’t Have To Do Everything

Entrepreneurs who have decided to quit their jobs to become their own boss tend to share a common story. They grew bored of their workplace.

For young parents, it’s often a matter of flexibility. Some companies fail to offer flexible working hours, which can impact on the relationship of families with young children and babies. As a result, launching a home-based business often feels like the best option to make a living while caring for the kids.

For others, the cumulation of frustrations drives them to quit. Whether it’s a bad boss or an unpleasant colleague, more and more individuals decide to take matters in their own hands and create a safe and welcoming job for themselves.

Regardless of the reason behind your independent career, you are likely to find yourself battling with the challenges of your solitary position. Indeed, when you launch a solo-business, you need to be smart to make it work. You can’t only focus on your expertise. You need to establish the necessary process to run your business as effectively as any other company. Ultimately, your clients expect the same level of professionalism and reliability than they would from bigger firms. While you might be tempted to spread your work across multiple fields, you should stay away from multitasking. Indeed, you’re unlikely to have the necessary skills to manage multiple business processes. Besides, you will soon run out of time if you try to do everything! Instead, you need to find effective alternatives.

The Internet is a dangerous place; you shouldn’t go alone there

If digital plays a role in your business activities – whether you’re using online storage options or interacting with your customers online –, you need to consider the safety of your IT solutions. As surprising as it might sound, many independent entrepreneurs put their business at risk by failing to introduce online safety measures. More often than not, the idea is that hackers and other cyber attacks are more likely to target large corporates. In reality, while big firms can be the victim of a hacking attack, cybercriminals prefer small businesses. Indeed, the absence of adequate protection makes them an easy target. Admittedly, it would be foolish to expect you to become an IT expert on top of your other skills. Therefore, it’s a good idea to entrust your digital protection to a specialist, either by using a software tool that does all the hard work for you or by finding an IT security consultant.

Find an IT consultant

Wait, how much tax do I owe you?

Preparing your taxes is never easy. But when you manage a business, there are many regulations, exceptions, and calculations that you may not be aware of. It’s not uncommon for small businesses to over- or underpay their taxes as a result of miscalculations or lack of knowledge. The worst thing that can happen is to get in trouble with the tax collecting organization, which is never a good thing for a small business. Instead, you should find professional expertise that you can trust in your day-to-day activities. Solo-entrepreneurs on a tight budget tend to prefer using cloud accounting software tools that let them keep track of their budget, invoices, and other financial transactions and duties in real time. Alternatively, if you don’t have any time to dedicate to the matter, you should let an accountant manage your books and your taxes.

Google Analytics is free, but I still don’t get anything from it

Collecting customer data is an essential part of your business growth. For solo-entrepreneurs, the abundance of free and cost-effective tools offer a strategic advantage, whether you need to check your web visits on Google Analytics or your keyword rank. Unfortunately, while data are easy to access, analyzing them a lot more challenging. Countless amateurs waste precious hours reviewing Analytics dashboards without being able to find pertinent information. In fact, the situation is so dire that Google decided to provide free support sessions to entrepreneurs via the Digital Garage initiative. But, the truth is that unless you’ve got time to invest in learning a new skill, one-to-one Analytics sessions are not going to be helpful. Instead, a dedicated consultant who can provide regular data reports and highlight threats and opportunities can be the best solution to encourage you to grow your business.

I’m not too sure about this strategy

Ah, designing your business strategy is not for the faint-hearted. It takes excellent data knowledge and analytical skills, which, if you haven’t invested in a data collection and interpretation solution, is going to be difficult to achieve. Many entrepreneurs fall in the trap of bad strategy approaches, which force them to accommodate conflicting factors as they occur without giving their business a chance to focus on a long-term goal. At its core, your strategy needs to serve as a response to a market challenge. As a result, you need to know and understand the problem to provide the best-suited response. Working closely with a consultant is a preferable solution.

You may be knowledgeable, but you’re only one person

The truth is that even with the best of will, you can’t tackle all the challenges of your business. Running a business is not a one-person job. You need all the support you can get to be able to stick to your professional goals. Indeed, too many new entrepreneurs get trapped in a situation where they spend the majority of their time managing their business instead of using their expertise to deliver income-generating services. There is no point in learning the skills if the cost of your doing the work in-house is too high. That’s where outsourcing can help you to maintain your market position by freeing up valuable time.

I’m ready to hire someone… but how do I do it?

Are you ready to bring a new employee on board? Hiring your first employee is one of the most difficult things you’ll have to do, especially if you lack recruitment experience. However, mistakes can prove devastating for your reputation and your finances. It’s always a good idea to hire a recruitment specialist for the task.

Know how to recruit

The image of the multitasking and hard-working entrepreneur is, unfortunately, wrong. When you are ready to launch your own business, you need to accept that you can’t manage on your own. Finding consultants to support you and outsourcing specific jobs can help you to build a profitable and sturdy business.

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