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How I Brought My Debt Under Control

Sometimes, debt sneaks up on you when you least expect it. You think you’re doing all right, but suddenly, you realize that your debt has spiraled out of control. For me, the wake-up call was realizing that, while my income hadn’t changed, I had more credit card debt, higher payments, and less available money each month. I was struggling. My spending habits were completely out of control. Here’s the good news: I’m a success story. I did manage to get out of debt and get my spending back on track, and you can do it, too. Start with an honest, if painful, assessment. Where has your spending really gotten you into trouble? Do you frequently make impulse purchases of items that you don’t really need? […]

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The Uncomfortable Three Step Truth about Self-Improvement and Why I Finally Gave Up My Dreams For Something Better

I am pathetic. I am a walking (well, maybe not walking), talking cliché. I am one of those people who is so desperate to overcome their own sense of lack that they create some giant obstacle to overcome, or some massive achievement to attain, in order to feel that they might just be worth something. I am an over-compensator; so desperate to feel okay about the fact that I am, in some ways, not as capable as other people that I seek to achieve the impossible. Purely to show the whole world beyond a shadow of a doubt that I am enough. The great irony of course, is that the only one you’re really trying to please is yourself. You’re just afraid that you aren’t […]

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“Make a budget” is one of the most often repeated personal finance tips but, just like “eat more greens”, very few of us actually follow it even though we know it’s good for us. The reason, of course, is that unless you’re someone who gets an adrenaline shot from juggling numbers, odds are that even the thought of sitting down and writing down a monthly budget is giving you a panic attack. I know, because I’ve been where you are. Even worse, when you do write that budget, and stick it to the fridge (or whatever the digital equivalent of that may be), it’s still an extremely tough challenge to stick with it. Budgeting may be hard, but living within it is even harder. Luckily, […]

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6 Most Commonly Outsourced Tasks and Why They Work

Outsourcing work to online assistants has been around a long time, but only recently, with the application of new technologies and user experiences, has the concept of personal outsourcing started to catch on with a wider audience. Operator, Magic, and more new personal assistant apps are applying technology such as natural language processing and machine learning to a traditionally low-tech space. To shed some light on how people make use on-demand personal assistance, we analyzed and categorized thousands of user requests. Then, we took a look at what it is about these requests that makes them good candidates to outsource to an assistant and what types of requests are not as helpful when outsourced. Requests are submitted mostly by busy professionals and entrepreneurs to assistants […]

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7 Common Money Mistakes to Avoid (And their easy Solution)

Have you ever thought about your money leakage? You work hard to get the precious paycheck. At the end of the month, you scratch your head in confusion. You are not able to diagnose the money outflow. Your self-confidence shatters in front of your eyes. There is no progress in your life. You start cursing your fate because you are not able to meet the demands of your family members. Here is a list of 7 common money mistakes and their simple solutions. You do not want to come out the vicious trap You put in lots of efforts by creating a wealth for your organization. But, are you creating a wealth for yourself? You wait for the next paycheck to fuel your family needs. […]

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Feeling Like Your Financial Adviser Doesn’t Care? Here’s 7 Tips to Get Them Listening

I was talking to a friend recently and she was telling me that her adviser was condescending, spoke with too much jargon, and didn’t appear interested in her concerns. In fact, he became irritated whenever she wanted to discuss them. She went on to say that the only time he called was to sell her something. When I tried to probe a bit and asked her why she simply didn’t find someone else, she admitted that he was her late husband’s adviser and she lacked the courage to make a change. Now granted, this is an extreme case. I literally have spoken to thousands of advisers during my career, and most went into this profession for all the right reasons. Still, like any profession, there […]

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7 Little Known Ways In Which Poor Sleep Is Killing You And Your Career

Tired huh? Or more like exhausted? Fact: The U.S. Centers for Disease Control and Prevention reported that 30 percent, or 40.6 million, of American adults are sleeping six hours or less everyday. Chances are you’re in that statistic. In today’s information age sleep deprivation is an epidemic. Screens bombard you all day. Computer screens at work and home, screens in building foyers, bus stands, and of course the one that sits cozily in your pocket. Oh, and that cute little smartphone often accompanies you to bed! You furiously work late into the night, trying to get that extra little bit done. Sometimes, it’s that addictive ping from the smartphone alerting you to yet another email. At other times, it’s a document you’ve got to finish […]

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Why We Fail To Pursue A More Purpose-Driven Profession

There is a wealth of books and blogs out there these days disclosing the latest findings on the how and why of our thinking. But even in this information-overload era we live in, the stats for those living a life less desired, especially in their work-life, still remain to be absurdly high. One wonders what’s missing. As an answer to this, let me shed some personal insights on the “why” of this conundrum by sharing these “not-so-obvious” reasons behind your inability to revamp yourself, your work, and your life. I’m also convinced the answers to these dilemmas once you have actually thought about them will become self-evident. Semantic Memory Think for a moment how many times you have read an inspiring passage from a blog […]

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4 Reasons Why You Fail At Investing

If you are like the average investor, you fail at investing. I’m sorry to be so harsh, but studies have shown this to be true. The average investor only earns 2% a year while the stock market earns an average of 8%. Why the discrepancy? The main reason is because we are human and we derail ourselves from what should be done. Below I list 4 of the biggest reasons why you fail at investing. Are you guilty of any of these? 4 Reasons Why You Fail At Investing You’re A Trader, Not An Investor If you find yourself placing buy and sell trades frequently throughout the year, then you are a trader and not an investor. An investor creates a plan and chooses a […]

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Why You shouldn’t Chase Money and Power (and What to Do Instead)

  “The problem with external power is that it is fleeting: when you lose the money, position and possessions, you lose the power. If you have tied your identity to those things, you will also lose a sense of who you are when they fall away.” Robin Sharma There was once a time I was pursuing the things that we all are interested in pursuing: money, prestige, and status. I was working on political campaigns and helping some of the most powerful people in the country get elected. I spent countless hours plotting, strategizing and helping candidates win higher and higher offices. I got paid more as I held increasingly important positions. And with each candidate who won an office, I had even more access […]

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