11 Ways to be Happier
Want to Be Happier? Science Says Do These 11 Things Every Single Day
Try them. They work. (If you can't trust science, what can you trust?)
Obviously, we all want to be happier. But there's another reason to wish to be more lighthearted and content: Happiness is definitely a result, but happiness is also a driver.
While I'm definitely into finding ways to improve personal productivity (whether a one-day burst of output, or a lifetime of increased effectiveness, or
We have all heard the saying, it's not what you know, it’s who you know. And considering that, 70% or more of jobs are never posted online, there is one superpower that will help you secure your dream job or build connections for the future: networking. I am not saying to forget about your technical skill set (it counts!), but be aware of the value interpersonal skills plays in building a solid community. As a career coach who helps clients find jobs, I am surprised to learn how many opt out of networking. I once had a client, we can call her Sarah, come to me for help with making a job transition from sales .
October 20, 2017 10 ways to protect your personal information By Joy Blenman When it comes to identity theft and the damage it can do, using your common sense along with smart tech tips can help you stay safe. Having your wallet stolen is an unnerving experience that can leave you feeling panicked, violated and anxious. And as more of our personal and financial information moves online, hackers have new opportunities to steal our virtual wallets – which can be as bad or even worse than a physical theft. In September 2017, the credit bureau Equifax revealed that the files of 145.5 million American consumers had been compromised. These files contained clients’ personal information such as their names, addresses, social security numbers and, in some cases, driver’s licence numbers. In Canada, the breach affected around 8,000 people, according to the firm’s
5 Financial Resolutions for 2017 Dec 22, 2016 Written by Kevin O'Leary 1. Pay Your Debts Nobody will be surprised that this is at the top of my recommended resolutions. It’s common sense - everybody knows that debt is the enemy, right? You’d think so, yet every single day my inbox is flooded with dozens of people asking me questions like “should I use my Christmas bonus to pay my credit card bill or should I use it to buy x, y, z?” My answer is always the same! As long as you have debt, you should be using every penny of your paycheck to repay it (after your other bills and necessities are accounted for of course). You can’t find financial freedom when you owe somebody else money, it’s simple. 2. Calculate Your 90-Day Number Your 90-day n.
Seven steps toward financial security To be ‘wealthy,’ you just have to insulate from shocks that could send you down the economic ladder Toronto Star 21 Nov 2016 LIZ WESTON THE ASSOCIATED PRESS Financial security isn’t a number or a threshold. It has to do with what you spend, and save, relative to your income. Nothing proves that quite like research on millionaires by wealth management firm UBS. Sixty per cent of those with more than $5 million (U.S.) defined themselves as wealthy, compared with 28 per cent of those worth $1 million to $5 million. Yet what millionaires mean by “wealthy” is not necessarily financial independence: Only 10 per cent defined wealthy as not having to work. It’s not even a number; only 16 per cent said surpassing a certain asset threshold automatically mad.
Canadian women equal men in skills but wage gap persists, study finds The Globe and Mail Wednesday, Oct. 26, 2016 Women in Canada earn 65 cents for every dollar men are paid even though they have the same skills, says a report released on Wednesday. Women are on par with men in education, literacy and skills, according to the World Economic Forum’s annual study on the gender gap. That is showing up in white-collar jobs, where there are now more women than men in high-skilled positions. “There is equality in the types of skills women are acquiring,” said Saadia Zahidi, a member of the forum’s executive committee. The report looked at who was employed in professional and technical positions, such as medicine and computer.
Women & Money: How to take charge Five ways for women to help overcome a lack of confidence about money and investing. By Fidelity Investments APRIL 2016 Here are five ways that may help you to become more financially engaged. 1. Learn at your own pace. It is not as hard as many women think. Once you have an understanding of investment basics, you’ll feel much more comfortable making decisions. The good news: It is never too late – even small adjustments to savings rates or investment plans can have a big impact over time. To help get you started, there are numerous tools, tips, and articles that can help you take your financial knowledge to the next level. Your financial advisor can provide guidance on sourcing these materials. For basics about mutual funds, visit “Learning about mutual funds” on fidelity.ca. A target date fund may be a good place.
What to do if you lose your job Avoid acting rashly and take time to get back on your feet. By Beth A. Berk, CPA, CGMA August 18, 2016 There may come a time in your career when you lose your job. This could be due to reasons outside of your control—a merger or acquisition, or having your employer shut down or relocate. Or you may have done something (that you were possibly not aware of) that caused you to be let go. Whatever the reason, losing your job can seriously disrupt your career plans—and your emotions. Getting back into the job-hunting frame of mind can be a challenge. Regardless of whether you left your job, or your job left you, there are some steps you should take to get your career back on track. Consider the following: Take time to regroup. Take a few days or more off to think about your next steps and a strategy for.
How I saved $5,000 a year by cutting expenses Amrita, Singh, 42, Toronto Sometimes a brief moment in your life can change you forever. That moment happened for me in 1998. I’d been trying to make a living as a freelance video producer and had accumulated $8,000 in debt. I felt horrible and, struggling for a way out, found myself at the bank negotiating the consolidation of my personal debt into a single line of credit. This was the moment I vowed to change my ways. So I set out to cut expenses and adopt a do-it-yourselfer attitude. The result? I cut $5,000 from my annual expenses without making a dent in my lifestyle. I wasn’t raised with poor money h.
Why automatic payments (almost) always makes sense Automatic deductions are smart when paying yourself but less so when paying your credit card bill by Robert R. Brown From the February/March 2016 issue of the magazine. I occasionally go to the gym. I don’t go regularly, I don’t go consistently and I certainly don’t go automatically. It’s not that I don’t like going to the gym; but, like everyone else’s, my life is busy and my schedule constantly changing. It seems there is always something more pressing that has to get done first. It would be so much easier if I could just transport myself there, Star Trek–style, and then be .
An Investing Guide for Beginners by Robb Engen | Mar 20, 2016 | Young readers often ask for investing tips and wonder how to get started. My typical response is that once you have a good handle on your finances – no credit card debt, student loans fully paid (or close to it), some cash saved up for emergencies, short-term goals are funded (or on the way) – then it’s probably a good time to start your investing journey. Finding the right investing approach can be tricky for beginners. There are plenty of options available, from GIC’s and bonds to mutual funds, stocks and ETFs. Then you need to consider your age and risk tolerance. Do you have the stomach to handle stock market fluctuations of 25 percent or more, or would you prefer to see returns that are lower, yet less volatile? If you’re serious abou.
22 Best Quotes on the Fearless Life Say what you want to say Jill Jacinto Updated Nov 10th 2014 8:41PM I had the good fortune to attend Cosmo's Fun Fearless Life weekend, the inaugural women's conference of Cosmopolitan magazine. Inspiring? Where do I begin? Here are 22 nuggets of wisdom I picked up from the awesome attendees. TwitterGabby Bernstein "Our presence is our greatest source of power. Our presence is what makes people want to hire us." @GabbyBernstein Get A Handle On Your Expenses: Simplify And Save Posted on November 19, 2015 by Robb Engen I challenged readers a while back to take a day off during the week to work on their finances. That means going through recurring bills, such as cable, internet, bank fees, car insurance, and monthly subscriptions to ensure you’re getting the best bang for your buck. You might also use the time to look for ways to earn more money, exploring opportunities to run a small side-business, switching to a more lucrative rewards credit card, or finding a better return on your savings and investments.
Financial Management By The Decade: The 20’s Posted on October 27, 2015 by Marie Engen Your twenties are exciting years, full of big changes and all kinds of opportunities – finishing university or college, starting a full-time job, seeing a regular pay cheque for the first time. Maybe you’re moving into your own place. Or, perhaps you’ve been working for a while and you’re ready to start setting some financial goals. If you start making the right financial decisions now, you’ll get a head start on the road to prosperity. The most important thing to remember is time is on your side – you just need a bit of discipline. To build a strong and stable future you need to lay the foundation now. <.
The Power of a planned vacation by Sandra Wiley Research has shown that workers are more productive and less stressed when they take regular vacations. And a sometimes-forgotten part of taking a vacation, if you spend it with a friend, significant other, or family: You’re having a shared experience that helps to grow that relationship. Yet plenty of finance professionals don’t take their allotted vacation. Some even take pride in not taking a break. I often hear people say they are supposed to be scheduling vacation days or they wish they could take some days off, but they’re too busy. Sometimes, I&.
September 22, 2015 First Nations communities face some of the most distressing levels of child poverty in this country. A history of colonialism, racism, residential schools, and the inequitable distribution of resources has resulted in a range of devastating social and economic inequities for Indigenous communities—and the impacts of these inequities can be seen in the shocking poverty rates and living conditions experienced by many Indigenous children. While some of these experiences have been documented, most recently by the Truth and Reconciliation Commission of Canada, woefully little action has been taken to address the desperate economic conditions facing many Indigenous children today. We need to do much, much better..
A Conversation About Gen Y Money Posted on October 8, 2015 by Robb Engen The plight of Gen Y is a hot topic around the personal finance blogosphere these days, and for good reason. Millennials continue to face strong headwinds from an economy that has been stuck in neutral since the global financial crisis of 2008. Meanwhile, the cost of higher education is soaring and new graduates are entering a workforce where employers are more likely to hire temporary or part-time workers, rather than provide full-time jobs with benefits. Record-high real estate prices could also mean that we’re raising a generation of renters (not that there’s anything wrong with that) and boomerang children. But despite having it tougher than previous generatio.
Many associate the idea of “attracting” money with the The Secret, the bestselling book which essentially said you could attract anything you want with positive thinking. No doubt people everywhere tried like heck to think that Porsche or Caribbean vacation home into their midst. (If only that were possible, the entire planet would be living large right now). A new CPA Canada report shows that few Canadians are taking measures to prepare for financial shocks, despite high levels of household debt and other factors. Recent surveys have brought to light interesting observations about how Canadians are reacting to worrying changes in our economy. Two waves of the CPA Canada Households Public Opinion survey were conducted, one in spring 2014, the other in winter 2015. They were carried out before and after the sharp decline in crude oil prices, from a peak of US$115 a barrel in June 2014 to less than US$50 a barrel this January. The 56% decline has been due to the combination of a growing supply and weak global demand for the liquid gold.
4 Ways To Make The Most Out Of Networking
Protect your personal information
5 Financial Resolutions for 2017
Seven steps toward financial security
Gender wage gap sits at 35-cent disparity in Canada
Women & Money: How to take charge
What to do if you lose your job
How I saved $5,000 a year by cutting expenses
Automated Savings
March 2nd, 2016
an Investing Guide for Beginners
22 Best Quotes for a Fearless Life
Motivational speaker, Gabby Bernstein explained how your projection to the world is what captures an employer's attention. You could say all the 'right' things but if you don't believe in what you're saying and present confidence – y.
Get A Handle On Your Expenses: Simplify And Save
The 20's
The Power of a planned vacation
The benefits of time away from work go beyond simply ‘recharging the batteries.
October 15, 2015
Half of First Nations children live in poverty
A Conversation about Gen Y Money
How Your Brain Controls Your Wealth
Cause for Concern
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