All posts tagged Wealthy

Introducing The Desks That Will Bring More Happiness and Productivity to Your Day

There is plenty of research out there that suggest Happy Healthy workers = productive workers. So creating a space for your employees or for your home office that endorses healthy habits will benefit you in many ways! From standing desks, which offer the opposite of the sedentary workweek, to desk that offer a little more privacy, these desk will offer more productivity and happiness within the office. Sounds like a win-win to me!


Stir Kinetic M1 smart desk

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Researchers at Stir have found that users of manually adjustable standing desks can stay sitting for weeks before they change positions. But the Stir Kinetic M1 design takes the standing desk to a whole new level, targeting those who may need a little push to get up from their chairs.

This smart desk emits a small sigh to let you know when it’s time stand up, then it automatically adjusts to a new height. It’s equipped with a touchscreen that keeps track of how much time you’ve spent sitting and standing each day, and counts the number of calories you’ve burned.

Price: $2,990.


Public Office Landscape

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This collaborative work unit from design firm Herman Miller has modular desks, seating and storage, all of which can be re-arranged to suit various needs.

Recognizing that the majority of work interactions still occur near desks, the firm added the option to trick out the desk unit with an ergonomic, cushioned “social chair.” The desk-chair arrangement creates what the company calls a “social pod,” offering comfy seating for visitors and allowing employees to pivot easily from desk work to teamwork.

The workstation uses recyclable steel parts in its frame, and the seat cushion is recyclable, too.

A unit with a Public desk and cushioned seating starts at around $1,600.


The NextDesk Fit

nextdesk fit

Those looking for a more active workday (and who have enough floor space) can opt for a treadmill desk. The NextDesk Fit offers walking speeds between 0.4 and 4 mph, and connects to Bluetooth to let you track your progress. It senses when you stop moving; and if you get off and walk away while the treadmill belt is still going, it’ll pause after 20 seconds.

You’ll have to pay $999 to get those daily 10,000 steps in. (Of course, you could also take a break from work to circle a few blocks outside, no desk required.)


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The Best Piece of Money Advice From Someone Who Manages Multimillionaires Money

I think it’s safe to say we all wish money grew on trees! That way we wouldn’t have to worry about where are income came from… (we can all keep dreaming). As money doesn’t just appear out of no where and start growing , we can tend to our wealth that we do have and nurture it so it will grow to become the max potential we wish it to be… Below are pieces of advice from a man who has spent the last 16 years advising some of the wealthiest families in the United States…

Think like an entrepreneur

The enterprising family exhibits entrepreneurial creativity in many aspects of their life. They often break from tradition, accept new approaches, and take measured risks.

Entrepreneurs know that rules are constantly changing — and the same is true when it comes to building wealth. To do well, be a self-learner, hire the right expertise, and acquire creative, goal-oriented financial advice. Be a financial entrepreneur.


Ask smart questions and insist on answers

Don’t be afraid to ask yourself and your advisers the tough questions.

Ask yourself: Do I have enough to support my lifestyle? Do I know what will happen to my family if something happens to me? Is my wealth having the impact that I desire? Am I missing anything?

Ask your adviser: Can you get me answers to my questions (see above)? How do you get paid?

When these questions are answered, you will be better informed and gain greater confidence in yourself, your adviser, and your approach.


Define success, then achieve it

Take time for you (and your spouse) to clearly define, set, prioritize, and agree upon and document specific goals that you want to achieve, such as a specific lifestyle or charitable grant.

This may sound trite or even cliché, but our clients who set goals move to action quicker, make better decisions, and get better results relative to their peers. Taking a goals-based approach defines benchmarks that are relevant and meaningful for you and your family.

Have a plan

This one might seem obvious. After all, most experts advocate having a plan if you want any chance of meeting your financial goals.

But it is important to understand that “set it and forget it” is not a plan.

Enterprising families build plans that are smart, focused, dynamic, and useful. Wealthy Americans spend an average of 15 hours per week thinking about their planning relative to their goals compared to the nine hours spent by the broader US population.

If being financially successful is important, then this will be time well spent.

Track cash

In my experience, individuals often underestimate their spending on average by 25% and sometimes as much as 50%.

Further, they save less than they think they do or less than they should to meet future goals.

Most alarming, their cash reserves are dangerously low and therefore, they may be ill prepared for an emergency or call on capital.

It is critical to prioritize liquidity and automate bill payment and savings. Additionally, adopt cash flow reporting to get the insight you need to adjust your plan and make better cash choices.


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4 Habits That are Toxic to Your Wallet

Breaking bad habits can be extremely hard, especially when it comes to spending habits. These bad habits can be difficult to break if you don’t even realize you’re doing them; so take a look at the suggestions below and analyze your own personal situation to see if you can improve in any of these areas:


Emotional spending

Using shopping to deal with life’s ups and downs is common, Gretchen Cliburn, CFP, director of financial planning at BKD Wealth Advisors, says. But emotional impulse spending doesn’t actually fix anything. In fact, it tends to make things worse, she says. That temporary high you get from buying will inevitably wear off, often leaving you with credit card debt or piles of unneeded stuff.

To avoid making impulsive, emotional purchases, set some ground rules for yourself. For instance, buy items only from a wish list that you’ve made at a time of relative calm, not when you’re trying to distract yourself from anxiety or sadness. Or make yourself wait 24 hours before giving in to an unplanned purchase.

It’s also a good idea to opt out of emails from your favorite stores to reduce temptation, and to buy things only when you can pay cash. If necessary, find someone to discuss your goals with and to hold you accountable, Cliburn says.


Comparing your money situation to other people’s

© Deklofenak

© Deklofenak

Many of us measure success by the size of our homes or the cars we drive, but that assumption is just plain false. Big houses and expensive stuff only indicates how some people choose to spend money, not how much they actually have, Cliburn says.

Keeping up with the Joneses can be tempting — if your neighbor can afford that new SUV, you deserve one too, right? But keep in mind that many of your neighbors could be living above their means. Remember that 37 percent of Americans have credit card debt greater than or equal to their emergency savings, according to a Bankrate study.

To avoid living beyond your means, start by determining what’s important to you — just to you — Cliburn says. Set goals for what you want your life to look like in five, 10, 20, and 50 years. Perhaps you want to own a home in a specific neighborhood, or to retire comfortably. “Once you have identified what is most meaningful to you, make spending decisions based on that,” Cliburn says, instead of overspending to live up to someone else’s idea of success.


Spending all your income

Everybody has to pay bills and buy necessities each month, but it’s up to you to decide what to do with the money that’s left over. Choosing to spend it all — as opposed to making saving and investing a priority — can easily become the norm. That often means you have no “rainy day fund” when emergencies crop up, and no secure retirement waiting for you at the end of your career.

When people spend everything they earn, they often don’t have a budget, says Derek Gabrielsen, wealth advisor at Strategic Wealth Partners in Independence, OH. He calls this “the biggest mistake people make.”

Gabrielsen recommends writing up a budget that includes monthly allocations for emergency savings and retirement savings. A good rule of thumb is to aim for six months’ worth of living expenses in your emergency fund and saving at least 10 percent of your income toward retirement. And once you have a spending and savings plan in hand, stick to it. That’s one way to make sure you always reach your goals.


Depending on credit cards



By the end of 2015, Americans’ credit card debt reached about $900 billion, according to CardHub’s analysis of Federal Reserve figures. Contrary to popular belief, carrying a balance on your credit card can lower your credit score, even if you make payments on time. And if you’re making only the minimum payments each month, your credit score will keep suffering because your credit report will show unpaid balances every month.

Plus, when you make just the minimum payment it takes years to pay off your debt. Factor in interest and you’re paying way more than the initial sticker price for those purchases.

If you’ve become accustomed to living with credit card debt, take some time to understand exactly what you’re doing with your money. Read the fine print on your next credit card statement — particularly the section that shows how much you’ll end up paying if you simply pay the minimum payment every month. You may be shocked to see how expensive credit really is.

To break the cycle, stop using credit cards immediately. Set a strict budget and use the snowball method to strategically pay off your debts. If you need help, consider contacting the National Foundation for Credit Counseling, a nonprofit group that specializes in helping people get out of debt.


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Exactly How A Recruiter Scans Your Resume

If your looking to step out into the workforce again or simply looking to escape your current job, it is important to know what the recruiter, who holds the key to the door, is actually analyzing…  It’s a vulnerable feeling having someone evaluate your expertise and strengths, so why not get a little insight on them and find out exactly what they analyze:

How You Can Beat The Norm and Retire Early

The 21 century is all about redefining norms, right? So why not join the movement and kick the ol’, “Retire at 65” notion to the curb. The thought of retiring early may seem stressful and unattainable at the moment, but don’t stiff arm the subject just yet. Read the tips below and get on the right track to retiring early:


  1. Live Two to Three Times Below Your Means

Sorry, folks: Simply skipping that $4 latte in the morning ain’t gonna cut it. It takes a much more committed approach where “sacrifices” are viewed in a new light. “It’s amazing when I work through the numbers that some people think manicures, landscapers and maids are a need,” said Michael Chadwick, a certified financial planner and CEO of Chadwick financial advisors in Unionville, Conn.


  1. Redefine ‘Comfortable Retirement

Less spending later constitutes the flip side of less spending now. If you imagine comfy retirement as a vacation home and monthly cruise ship trips, revisit that vision so you don’t have to bleed cash — but can still retire in style. Instead of two homes, for example, why not live in your vacation destination and pocket the principal from selling your primary residence?


  1. Pay Off All Your Debt

That’s right, all of it. First: Is it time to pay off your home? You might not have the resources now to plunk down one huge check, but consider savvy alternatives such as switching from a 30-year to 15-year mortgage. Monthly payments aren’t much higher, but the principal payoff is much greater. Second: Do the same with loans and credit cards, as high interest eats up income faster than termites chewing a log. A credit card balance of just $15,000 with an APR of 19.99 percent will take you five years to eradicate at $400 a month — and you’ll dish out a total of $23,764.48, the calculator on shows.

  1. Consider Overlooked Financial Resources

While it’s risky to count on unknowns such as an inheritance, you might have cash streams available outside the traditional retirement realm, said Jennifer E. Acuff, wealth advisor with TrueWealth Management in Atlanta. For example, “Understand your options with respect to any pensions you might be entitled to from current or previous employers.”

  1. Invest Early and Aggressively

If you’re in your 20s and start investing now, you’re in luck, said Joseph Jennings Jr., investment director for PNC Wealth Management in Baltimore. “Due to the power of compounding, the first dollar saved is the most important, as it has the most growth potential over time.” As an example, Jennings compares $10,000 saved at age 25 versus 60. “The 25-year-old has 40 years of growth potential at the average retirement age of 65, whereas $10,000 saved at age 60 only has five years of growth potential.”


Read more tips on how to retire early at:


A Quick Beginner’s Guide To Finance and Savings

Mortgage rates, 401(k), IRA, credit scores, yikes! So many questions with so many scenarios. Even with a college degree, these concepts that force us into adulthood can seem puzzling. THANK GOODNESS for Mathew Zeitlin, Buzzfeed News Reporter, for simplifying these concepts and giving advice for grabbing adulthood by the horns!



What is the difference between a 401(k) and an IRA? Is one better than the other?

The main difference between a 401(k) and an IRA is who administers it. Your employer can run a 401(k) plan that you choose to sign up for, while an IRA is managed individually.

With 401(k) plans, you can contribute up to $17,500 in pre-tax income to your 401(k) and your employer can match your contributions. This is as close to free money as you can get and is by far the best deal in personal finance. Income on a 401(k) is pre-tax, meaning that for what you contribute up to the limit, your income for tax purposes goes down.

IRAs, on the other hand, have nothing to do with your employer. You have to sign up for one yourself through a bank or brokerage. Traditional IRAs have a similar tax advantage to 401(k) plans, but a lower contribution limit ($5,500).


So, how exactly does a credit score work?

There are five main factors to your credit score.

1)The first is payment history, which is a record of whether or not you’re paying your debts on time.

2)The second largest component is how much you owe, or “credit utilization.” Large balances, at or near your credit limit, hurt your credit score.

3)The third is how long you’ve had credit.

4)There’s also what’s known as the credit mix, which accounts for only 10% of the score.

5)And finally there’s “new credit,” which is a little more vague, but it’s basically bad to open a bunch of different lines of credit in a short time period.


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How To Re-Enter The Workforce Like a Boss

It’s a common understanding that the struggle is real when it comes to getting back into the workforce groove. Whether you took a break to travel, continue your studies or for other personal reasons, trying to find a job again can be discouraging and can quite honestly, feel like a maze. But have no fear! Nicole Williams, Career Expert, Bestselling Author, ‘Girl on Top: Your Guide to Turning Dating Rules into Career Success’ offers elite tips for returning like a pro:

Create a résumé that is functional rather than chronological. Focus on your skills and successes rather than the precise dates of your employment. Create headings like “marketing experience,” “sales successes,” or “benchmarks met” and then list your achievements accordingly.


Be bold. A killer résumé may not be enough. To land a great interview, you may have to take the phone into your own hands. Consider making polite and focused calls to companies you are interested in or HR departments. Inquire about jobs you saw posted, express your interest, and ask for an interview. Making a good personal connection might help your résumé get moved to the top of the pile.


Be an interview superstar. When you land an interview, arrive ready to outshine the competition. If asked about it, discuss your time away briefly. Don’t get bogged down in the details of your year in Belize or become emotional about a loved one’s illness. Emphasize your skills and work ethic rather than your time away. Sell yourself as a “blank slate” ready to jump in and work hard in a new work environment. If it makes sense, draw concrete conclusions between the job you’re interviewing for and the things you learned while coping with real-life situations (travel, illness, graduate school) that the competition may not have had to deal with.


To learn more from Williams, view the original source here.

Women: It’s Time You Rock Your Super Woman Cape

According to the new, Women’s Leadership Study, the majority of women desire leadership positions in the workforce, but many of them find it next to impossible to make those aspirations reality. Well ladies, bust out your super woman cape and get ready to conquer the workforce because Dr. Bernice Ledbetter, Practitioner Faculty of Organizational Theory and Management, Pepperdine University’s Graziadio School of BUSINESS AND MANAGEMENT, has offered her tips to boost your confidence and help develop your leadership skills: Who Run’s the World? GIRLS!

  1. Attend industry specific seminars. Almost every industry from law to ACCOUNTING to public policy has associations that put on seminars and conferences. Universities and companies also host industry and issue specific events that are a great way for women to hear from seasoned executives in their profession, learn tips for advancement and find out about new trends and developments in their field. Becoming more immersed in your field and further developing your expertise is one of the best ways to move up the career ladder.
  1. Seek out ONLINE TRAINING.There are number of free, helpful online resources that can guide your leadership development. For example, the website Mind Tools has a large index of articles offering advice on topics such as how to delegate effectively, how to build a positive team and how to be an authentic and ethical leader.
  1. Enroll in a CERScreen Shot 2015-08-25 at 2.50.35 PMTIFICATION PROGRAM. A number of schools, including the Pepperdine Graziadio BUSINESS SCHOOL, have certificate programs that are short day or week-long programs that train for a specific discipline. These programs are designed for working professionals and provide the opportunity to meet other like-minded people in the same field. The benefit of getting a formal certification is that in addition to learning valuable information you have a formal credential to add to your resume.
  1. Get an MBA. Going back to school and getting an MBA or a MS degree IN MANAGEMENT and leadership is one of the best ways to develop your leader identity. Higher education helps many students, especially women, develop the confidence, credibility and expertise they need to advance in their career. Not only do you master technical skills such as finance, accounting and marketing you learn critical human skills such as how to manage group dynamics and effectively lead a team.



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8 High Performance People Who Were Once Deemed Failures

It’s easy to get discouraged after the feeling of failure washes over you, but it’s important to remind yourself that the most brilliant, High Performing People, used their “failures” to become some of the most successful people known around the world. So the next time you’re feeling like you can’t do anything right, just remember you’re not alone, these masterminds were once right there with ya’!


1)Thomas Edison

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“An inventor known for his many failures long before his successes, Thomas Edison was even told that he was “too stupid to learn anything” by one of his TEACHERS early on in life. Yet everyone knows the name of the man responsible for inventing the lightbulb — even if it took him 1,001 attempts to get it right. His perseverance with this particular invention clearly embodies his positive saying, ‘I have not failed 10,000 times — I’ve successfully found 10,000 ways that will not work.’”




2) Walt Disney



Even the head of the world’s largest animation empire hit a rough patch. In 1919 he was fired from the Kansas City Star because he “lacked imagination and had no good ideas,”ACCORDING to his editor.




3) The Beatles 

When The Beatles AUDITIONED for Decca Records in 1962, Dick Rowe told their manager Brian Epstein, “Guitar groups are on their way out.” Despite that dismissal, the English rock band went on to become one of the most influential groups of all time.




                                             4) Vincent van Gogh

His paintings may be worth millions today, but no one really gave them a second thought during van Gogh’s lifetime. In fact, he managed to create almost 900 paintings in a span of 10 years, yet he only lived to see a single one sold (which went to a friend at a very LOW PRICE).




5) J.K. Rowling


Before J.K. Rowling hit it big with Harry Potter, she was a broke,

DIVORCEDsingle mother struggling to get by on welfare. In a matter of five years,

the series took off, leading her to become the first billionaire author.





6) F. Scott Fitzgerald



Scott Fitzgerald had extremely high hopes for his 1925 novel The Great Gatsby, hoping for “something new—something extraordinary and beautiful and simple and intricately patterned.” Unfortunately, the book received mixed reviews upon its release, and sales proved even worse. It wasn’t until after he died in 1940, considering himself a forgotten failure, that the book struck a chord with the country to the point of becoming a classic component of every high schooler’s literature EDUCATION.

 7) Albert Einstein

Einstein was a late bloomer, not speaking until age 4 or reading until age 7. These challenges did not prevent him from winning the Nobel prize in physics for discovering the photoelectric effect and developing the relativity theory. There’s no doubt that the folks at Zurich Polytechnic School regret their initial rejection of the man whose name is now synonymous with “genius.”  






 8)Emily Dickinson


The now-beloved letters and poetry of Emily Dickinson failed to resonate with their audience at first. While the author ultimately shared approximately 1,800 complete works with the world, fewer than a dozen of them were published in her lifetime.”









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This Is What Separates The Rich vs. Middle Class…

The differences between the rich and the middle class are extremely vast when it comes to the way the rich act and think. Stigmas are easily formed that the rich are crooks, have an unfair advantage in life or that they’re just plain lucky; but generally speaking, these are far from true. They are High Performing people who have formed their environments to set them up to live their Ultimate Life. Here are three simple facts that separates them from being middle class:

1)  The Wealthy Are Comfortable Being Uncomfortable

Most people just want to be comfortable. Physical, psychological, and emotional comfort is the primary goal of the middle-class mindset. The wealthy, on the other hand, learn early on that becoming a millionaire isn’t easy, and the need for comfort can be devastating. They learn to be comfortable while operating in a state of ongoing uncertainty.


2) The Wealthy Dream About The Future

The wealthy are future-oriented and optimistic about what lies ahead. They appreciate and learn from the past while living in the present and dreaming of the future. Self-made millionaires get rich because they’re willing to bet on themselves and project their dreams, goals, and ideas into an unknown future. Much of their planning time is spent clarifying goals that won’t be realized for years, yet they patiently and painstakingly plan and dream of what their future will look and feel like.


3) The Wealthy Carefully Monitor Their Associations

Like attracts like, yet the wealthy are often criticized for having a closed inner circle that is almost impossible to break into unless you are rich. Successful people generally agree that consciousness is contagious, and that exposure to people who are more successful has the potential to expand your thinking and catapult your income. We become like the people we associate with, and that’s why winners are attracted to winners.

In other segments of society this is accepted, but the rich have always been lambasted for their predisposition to engage the company of people with similar financial success. Millionaires think differently from the middle class about money and there’s much to be gained by being in their presence.

Set a goal to double the amount of time you spend with people who are richer than you. Who knows, it might just make you rich.



Read more from, Steve Siebold, the author of “How Rich People Think” and a self-made multi-millionaire who has interviewed 1,200 of the world’s wealthiest people during the past 30 years here

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