Posts

Showing posts from January, 2020

Saving for a Down Payment: Where Should I Keep My Money?

Image
Saving towards a down payment for a mortgage is the first major step towards buying a home. It requires the discipline to put aside the money, obviously, as well as a decision on where best to store those funds.  How Much You'll Need to Save When granting a mortgage, a bank requires a down payment to help reduce its risk in financing the remaining cost of the home. Conversely, if you're deemed to be a high-risk borrower, because of your credit history or other factors, the bank may seek a higher percentage of the home's value as a down payment before they'll grant the mortgage. Whether to use a bank, an online bank, or the stock market to stash those tens of thousands of down-payment dollars depends on your timeline. You're free to opt for a down payment of more than 20% of the home's value if you have the money available. The bigger the down payment, after all, the smaller the mortgage and the less onerous its monthly payments. (To calculate the numbers ...

Scaling Your Agency: A Roadmap To Guide Your Way  (Part 3)

Image
Welcome back to the final article in this series. Last time, we covered some of the most common problems you encounter when scaling your agency from “small” (5 or fewer employees) to “boutique” (10-15 employees), and how you can avoid them. If you missed that instalment, you can check it out here. This week, we’re going to look at the next stage in the process – moving from “boutique” to “medium” (10-15 employees to 25-30 employees). Just like the last stage, there are certain challenges that routinely crop up as you start to add more employees into the mix. Let’s examine those issues in more detail. Stage 2: Boutique to Medium Scaling your agency from 15 employees to 25-30 employees is not as simple as stacking more and more people on top of existing infrastructure. As we discussed last week, a dysfunctional foundation will collapse when it’s put under too much stress. Similarly, if your agency doesn’t run ...

Help Yourself With These Awesome Self-Help Tips

Thinking positively about your situation is a form of personal development and will allow you to have a more fulfilling lifestyle. The following advice can help you to improve yourself, and by extension every area of your life. You will miss many opportunities to develop personally if you put off making decisions. Even if you don't have all of the information you would like to have, don't fear decision making. A proven track record of responsible, successful decision-making can grow into improved instincts. Even mistaken decisions are valuable because they provide instructive learning experiences. Think of your bad decisions as possibilities you have eliminated. Do some reading on personal development. Personal development books that are well written, insightful and instructive can provide you with the information you need to significantly enhance your outlook and your life. Make sure you select a book which has a few good reviews because some books in the personal development ...

How to Overcome Clinicians’ Resistance to Nudges

Image
Executive Summary Discussions about how behavioral economics can make the world a better place are often framed through the lens of decision makers trying to improve the quality of other people’s decisions. To do so, behavioral economics provides policymakers and managers with a toolkit for serving as “decision architects” and nudging citizens and team members towards better choices. The principle is simple — make the right decision the path of least resistance — and the results are often good. Many nudge interventions seem to work across a wide range of applications. But what if you, a manager or another kind of professional, were on the receiving end of behavioral nudges? Would you feel differently about others trying to nudge you towards specific choices? If so, you are not alone. Nudges aren’t always perceived as helpful. Regardless of the creator’s intentions, nudges can feel patronizing or subtly manipulative and could ba...

7 Effective Visual Content Marketing Tips To Grab The Attention of Your Target Audience (infographic)

Image
Digital marketing has evolved significantly over the last decade. From a handful channels to a hundreds of them, digital marketers have to choose platforms where their target audience spend their most time. With human attention span at all time low, you cannot expect your target audience to read long blog post with large blocks of text. Content marketers have to change their strategy and come up with alternative solution and they did. They started using visual content and it started working for them. Fast forward to today, we now see a barrage of visual content irrespective of which website you are browsing. From photos, to videos, infographics to interactive content, visual content is everywhere. If your brand is struggling to get the best out of visual content marketing efforts then, you might find this infographic from Branex useful. In this article, you will learn about seven effective tips to grab the attention of your target audience with your visual content marketing. Boost Enga...

3 Simple Steps to Successful Change Management

Image
Better Business Coach Transcript This is Better Business Coach Session Number 12 Hello everyone, and welcome back to Better Business Coach. My name is Matthew Pollard and, as always, I am your Rapid Growth Guy. Today will be talking about the three steps to simple change management, or what I’ve discussed several times throughout these sessions as the Lewin’s Model of Change. Now, this specific session is absolutely vital to your coaching success.  See, without the ability to create awareness with your client that things perhaps aren’t as great as they could be now and motivating them to create change within the organisation, and to motivate the staff to create change within the organisation, you are going to find your ability to coach clients so much more difficult, and your success with those clients is going to be so much more limited, because you don’t know this simple concept. And when I tell you it’s simple, guys, I mean absolutely simple. Now, I...

Here's What Your Company Can Do to Appeal to the HENRY Millennial

Image
Marketing to Millennials Meet HENRY, who, right now is one of the most sought-after consumers on the planet. Image credit: Pekic | Getty Images April 8, 2019 5 min read Opinions expressed by Entrepreneur contributors are their own. Meet ... HENRY. Born in the last decades of the twentieth century, HENRY is not just any millennial. No, HENRY is one of the most sought-after consumers on the planet right now: the H igh E arning, N ot R ich Y et millennial. HENRYs -- whose acronym has been cited by multiple publications -- have six-figure jobs but like to travel instead of buy stuff; so, those products they do buy have to count. Related: 4 Strategies to Use When Marketing to Millennials To help with purchasing decisions, HENRYs follow social media influencers ---topical experts -- more than they do celebrities. Their disposable income rewards only the brands that enhance their lifestyles, support their values and "spark joy." And they...

Out-Of-State Medical Marijuana Cards: What You Need To Know

Image
Can you use medical marijuana card out-of-state? What do you need to know about medical marijuana reciprocity? Let’s answer these questions and more in the following along with what you have to know about qualifying conditions and patient rights if you qualify for MMJ. Qualifying Conditions Per Amendment 2, the following is the list of qualifying medical conditions to apply for and secure a medical marijuana card in Florida. Cancer Crohn’s disease Chronic nonmalignant pain Glaucoma Epilepsy Amyotrophic lateral sclerosis AIDS HIV Multiple sclerosis Post-traumatic stress disorder Parkinson’s disease Terminal illness Here is a list of qualifying conditions per state. There are also medical conditions of the same class or kind that allow medical marijuana doctors to certify patients. They have medical conditions, which are both similar in nature to the qualifying conditions listed in Amendment 2 and are debilitating, too. For example, if the patient has a debilitating c...

Karen Delk, M.Sc., PCC

Image
Associate Trainer, North & South Americas Karen Delk, M.Sc., has over 25 years of experience supporting and developing individuals and leaders in Fortune 50 organizations to reach their highest potential. She consults with clients utilizing her expertise in Organizational Design, Strategic Planning, Change Management, Leadership Design and Development for next generation, Executive Coaching, Talent Acquisition and Talent Development. She also is an executive coach at Yale University School of Management Executive Education Program where she works with graduate students, Executive Masters in Business Administration students, and participants from around the globe attending the Yale School of Management Women’s Leadership Program. Karen’s held progressive human resource roles where she consulted with mid-level and senior leaders across diverse lines of business to establish sustainable change. Karen supports leaders by helping them create and champion the strategic...

Learn About Public Speaking With These Simple To Follow Tips

Have you given a speech or addressed an audience? Are you comfortable while making a speech? If you find the concept intimidating, you are not alone. This article was prepared with you in mind. Discover how these ideas can make you a much better speaker. Time yourself to find out how long your speech is. This will help you edit the speech to stay within the allotted time. If your speech needs to be longer, research the subject for more information to add. Finally, don't rush when speaking. When preparing to speak in public, make sure to memorize your words well in advance. This will help you with the overall delivery. If you know your speech, you can add to it and play with it a little while you are on stage, while still getting your message across. You cannot speak in public and believe that people will automatically follow what you are saying. You have to put in your best effort if you want people to connect with you and stay with you throughout your speech. This performance requ...

Can AI Nudge Us to Make Better Choices?

Image
Executive Summary The fields of behavioral science and machine learning  provide some promising techniques for creating more “emotionally intelligent AI that organizations are putting to work to produce better outcomes. The key is to boost AI’s emotional by training algorithms to mimic the way people behave in constructive relationships. Thus new systems note changes in people’s patterns and nudge them to see if they want to make a correction; they encourage self-awareness by helping people compare their performance with others; they apply game theory to accept or challenge conclusions; and they help decision makers focus on the right right task at the right time. mrPliskin/Getty Images The behavioral revolution in economics was triggered by a simple, haunting question: what if people don’t act rationally? This same question now vexes the technology field. In the online world, once expected to be a place of ready information and easy collaboration...