The 13 decisions that will change your financial life

The 13 decisions that will change your financial life 

When trying to achieve financial independence, there are plenty of hard decisions that have to be made to ensure the status of finances is stabilized. Financial security is a factor that many individuals target and crave but what they don’t realize is the fact that there needs to be an enabling environment for the same to be achieved. Here are 13 decisions you have to make if you want to change your financial life.

Spend less than you make

This is more of a principle and it is the best decision to take when targeting financial security. Spending less than you make is the best recipe for saving since it will mean you live within your means. Overspending ultimately leads to financial ruin since it limits your capacity to manage finances effectively.

Forget it if you can’t pay for it in cash

This is a unique decision since it will drive you to the state of thought where to be comfortable with any purchase, you will have to be able to pay for it in cash. This stands as one of the best financial decisions since it means you avoid credit card debt and also guarantees that you will be patient with large purchases.

Keep away from societal definition of financial success

One of the best decisions you can make for your financial well-being is defying societal standards and definitions of success. If you don’t, it is a factor that will consume you and will guarantee that you end up living a deceptive lifestyle which is highlighted by appearances.

Take insurance covers

A major decision that impacts your financial life both immediately and in the future, is the taking if insurance covers. Insurance covers protect you when the unexpected happens. Eventualities and emergencies always disturb the financial foundation which is only as strong as your planning potential. Insurance covers are your ultimate defense to prevent eventualities from sucking up all your savings.

Avoid investments in depreciating assets

Depreciating assets hold up your capital and end up devaluing the investment over time. Depreciating assets include vehicles and machinery which are prone to wear and tear and which have a lower resale value once time lapses. Avoiding investments in the depreciating assets is therefore a major financial decision.

Pay credit card bills in full

If you want your financial life to be stable and healthy, you have to pay your credit card bills in full every month. This is also a mechanism to ensure you don’t get to bill the cards more than you are comfortable to service at the end of each month.

Make smart investments

Investing in securities is one of the best strategies as it ensures your capital is tied in a setting where you can wait and monitor as it grows. The longer your money is invested, the more it appreciates and this serves as one of the smart investments you can make for financial security over time.

Invest early

There is no right age for starting your investments but many of the business gurus have been documented as admitting that they made their first investments in their early years. Investing early means you get to prepare the road for financial security in the future.

Curb unnecessary spending

The best decision to make when considering financial health and security is curbing unnecessary spending. The only way to boost savings is to set up automatic deposits to go into investments or savings accounts since when it’s out of sight, it’s normally out of mind and this eliminates unnecessary spending.

Take on a financial advisor

One of the peculiar decisions to make when trying to achieve financial independence and security is taking on a financial advisor. A financial advisor is able to guide you on investment and effective management of assets which is a major aspect in the process of focusing on financial security. With a financial advisor, you get to have transparency on the obligations you have and need to meet in the future.

Practice tax management

A decision that will ultimately change your financial life is the practicing of tax management. It is important to learn and know how much your investments will cost you in terms of taxes. This eliminates the case in point where you may be charged with tax fraud and end up paying huge fines in fines.

Know your costs

Expense ratios directly impact your financial capacity and it is important that you take the decision to know your costs and how they impact your bottom line. This is the only way to become financially secure over time.

Stay away from bad debts

Credit card debts and high interest loans are among the bad debts that hinder your ability to have a stable investment and financial status. Making the decision to stay away from bad debts is what can aid you change your financial life.

No Money to Start a Business? Try these 13 Options

No Money to Start a Business? Try these 13 Options

Financing is every aspiring business owner’s biggest worry. However, it need not be as various options can deliver the needed finances. Obviously, if the money is not coming from your pocket, there will be compromise; but provided you get a good deal, you can always recoup initial bargaining chips value-wise as the venture soars. Below are 13 viable channels to get business funding.

Family and friends

Several renowned entrepreneurs got initial funding from parents and family with famous Shark Tank personalities Kevin O’Leary and Daymond John being among them. This strategy has its pros and cons: on one end, you get money without many strings attached, but then again, if things go south, you may end up souring relationships.


Crowdfunding is an innovative, contemporary method of funding excellent business ideas, but unfortunately, it has been attracting negative publicity of late because of unscrupulous persons and the high rate of enterprise failures. However, this does not make it any less effective as a way of earning capital. Try your luck on sites like Indiegogo, Kickstarter, Rockethub, and others.

Pitch to venture capitalists

This was the method Uber used, and despite some rejections, they finally got capital. Concretize your idea into an appealing pitch, and locate venture capitalists who are likely to be interested in your type of business. Then, do your best to deliver a presentetation that will hook them. Note that this is easier said than done.

Sell something

Sell the things you do not need to raise extra money to get the enterprise rolling. Robert Kiyosaki, the author of Rich Dad Poor Dad, had to live in his car for several months as he built his business. His case is a bit extreme, but the takeaway here is that you should make some sacrifices to rake in the extra dollars.

Remortgage your home

If you have a house, remortgaging may offer a handy line of capital. However, if yours is a high-risk venture, this might not be the best route to take. It is more preferable in situations where the primary goal is business expansion.

Get a job

It sounds counterproductive, but if you have an education, it may offer the best channel to accumulate money to get into business. If you can land a well-paying job and concentrate on saving, you can manage to put away enough in a few years. Moreover, you will get valuable experience that may help you turbo boost the enterprise.

Borrow money from your 401(k)

Borrowing retirement money is risky, but business, in itself, is about managing risk. Often, it is possible to borrow some of your retirement money at no interest for two months (60 days) provided you pay it back on time. Before you take this route, consider whether you can handle the consequences if things fail to work out.


This method will work if you have another business which you are willing to capitalize on to raise funds to start another one. It is a thriving industry worth over $150 billion, and it involves the sale of accounts receivables to interested parties at a negotiated rate. Expect to lose between 10% and 20% the value of your accounts receivables.

Look for a grant

Research at all levels (federal, state and local) to see if there are grant opportunities you can take advantage of. The most involved organizations are the USDA, Treasury Department and the Department of Commerce. Expect oversight, follow-ups and various other technical specifics.


A banking approach responsible for a lot of empowerment in the east, microfinancing has been slowly taking root in the U.S. It involves the lending of small loans by institutions; often, to the underprivileged based on factors such as previous sales, your passion, business acumen, and the available opportunities. It is a handy alternative if you need a small loan: typically, $10,000 or less.

P2P (peer to peer) lending

Peer to peer lending is primarily borrowing from ordinary people with extra income that they want to invest. Expect steep interest rates and in-depth screening. Factors considered include the loan amount, the economy, your credit score, loan duration, among others. Popular p2p sites include Lending Club and


If your idea is proprietary and groundbreaking, you can win funding with few strings attached through business funding competitions. They are often judged as per the business idea and plan, and the money up for grabs tends to range between $75,000-$200,000. Shark Tank, the MIT 100K Challenge and the Amazon Web Services Startup Challenge are a few examples.


With some effort, you can get your business incubated by an organization of choice and thereby access mentorship, funding, and other services crucial to a startup. The only drawback is that incubators come with steep competition which, is not necessarily a bad thing since business and competition are two sides of the same coin.

Riding the waves of entrepreneurial success calls for passion, an unquenchable will to succeed, and a great idea. With those in place, you can figure out all else including financing. With the above alternatives at your disposal, do not let lack of seed money hold you back.

How to start a business in 13 days

How to start a business in 13 days 

Starting a business has always been a topic covered in mystery mainly because of the perceived struggle that is encountered in setting one up. The cloud that hovers around entrepreneurs is pretty dark in that they find it hard to contend with the overall steps involved in starting a business but little do they know that it is a systematic process that can be captured seamlessly if documented properly. Here is a guide on how to start a business in 13 days.

Polish your business idea

Before you even think of starting a business, you must have had an idea and the first day involves polishing the idea and identifying exactly what problem your business will be addressing and how the target market is going to benefit. It is also on the first day that you need to address who the ideal customer is which will lead to the refinement of your idea to a short version that anybody can understand. It must be clear and backed by hard data.

Write the business plan

Once you have polished your idea and received feedback on how to better the plan, the second day should see you revise your proposal and structure a business plan that will answer and tackle your objectives and goals. This is important especially if you are pitching to investors. Your business plan should be concise and agile and this is where you mention if you are going to seek startup funds and how your financing will be including expenses and asset management.

Narrow down on user base

When the business plan has been structured, it is imperative that the user base is narrowed down which is a factor of market research. Define your user persona by creating the perfect client and ensure you capture the elements that are imperative when it comes to them buying your product or service. Have a user profile that will inform your decision making later on.

Approach a user

The fourth day is supposed to see you approach a user and understand their psychology. This will help you settle on a business location. When the user persona has been identified, approach the intended user and capture their review on what your business is all about. Ask them if they are willing to buy and if not what the reasons is. Here you will know aspects you need to adjust about the name of your business, pricing or the product itself.

Capture a domain and set up social media handles

At this point, you have info on your business plan and also have an idea of what the target audience is and what they prefer as far as your business is concerned. The next course of action is buying domain name and getting the handles that will be used by the target audience to find you. Target a business website that will give your target audience an online platform to find you.

Set up a marketing plan

Strategies to adopt in setting up a marketing plan involve building an email list, blogging and growing your social media among other avenues. Interact and engage with your target audience to ensure they learn more about the business and get to understand what your value proposition is.

Hire an accountant

On day 7, you will need a professional who will explain what your financial obligations are based on your business model, financial commitments and logistics. The professional will also offer insights as to the records to keep including the tax obligations that need to be met.

Register the business

The eighth day should find you filing all the necessary forms including those defining your entity whether it is an LLC, S-Corp. it is also important to identify the business by DBA where you describe the entity in the form it is Doing Business As.

Open business account

Have a conversation with a banker on day 9 and identify the options that are available to you as far as a business bank account is concerned. Have your DBA, Business registration documents, identification number especially for tax obligations and open a bank account that will handle finances for the entity.

Consult a lawyer

At this point you need legal perspectives and insights and this is where you consult a lawyer on every legal obligation you have and anything you are unsure of about the business. From the disclosures, sharing responsibilities, legal standings, insurance covers, hiring and branding the business.

List all duties and obligations

With many things done and still a lot to do, the idea is to list everything you haven’t done in a To-Do list. As you near the launch, list all the tasks you need to accomplish including the new ideas you have gathered along the way. It is easy to forget in the hassle to balance time so write them down even if not in order of priority.

Structure a 30-day plan

Day 12 should see you create a plan with a 30-day time span. You need an achievable plan with every important element captured. From refining a website, testing social media, capturing online presence to scheduling for the strategies and tasks; it is crucial that you set an action item for each of the first 30 days of operation.

Launch the business

Finally, day 13 and this is where you announce yourself to your target audience through advertising and finding a community of entrepreneurs within your space to check out and learn from. It is crucial to find resources to help you along the way as you better your strategies.

How to Manage Time with Tips 13 Steps that Work

How to Manage Time with Tips 13 Steps that Work

The equation between the things that need to be done, and the available time never seems to balance. Replying to email, daily commutes, finding family time, running errands, keeping in touch, making calls – the list is virtually endless.

Tragically, many people falsely think that the busier they are trying to do everything, the more they elevate their chances of success. In truth, the trick lies in astute time management where time allocation is carefully considered. Here are 13 steps that you can take to manage your time better.

Start with important tasks

Develop a daily priority list. Do it the day before to start your days with a well-defined mindset in line with what you want to achieve. The hardest, and most important tasks should go first. Do not get sucked into the ‘warm-up’ school of thought where you commence with easy chores as you work towards the harder tasks.

Set goals

Your prioritized daily tasks should add up to a bigger achievement. They should be pieces of an ambitious larger picture. To this end, develop long-term goals and divide them into monthly, weekly and finally, daily goals. As you progress, you may find it necessary to revise your targets in light of the existing conditions.

Eat well

Regardless of how good a time manager you are, if your body gives up on you, there is nothing much you can accomplish. Foundationally, therefore, nurture your body for it to serve you tirelessly. Eat three square meals, exercise, observe hygiene, and you will have enough strength to carry you through any tough day.

Sleep well

Most people wrongly think that cutting back on sleep and directing the saved hours towards work is an advanced tactic to increase productivity. In the short term, this is true; but in the long term, the effects are regretful.

It eventually leads to frequent burnouts that require long recovery periods, zombie states, low energy, depressed morale, etc. Sleep for at least 7-8 hours, and you will be more energetic, focused and happier. Beware not to go beyond 8 hours or you will become jaded.

Turn down requests

Nothing eats into time more than unanticipated requests. If you seek to please everybody, your schedule will suffer. Learn to weigh requests based on the impact they have on your to-do list. Commit only to requests that you can make time for and handle with ease.

Do not multitask

If you are multitasking, the time it takes to accomplish the tasks will often be more than the time you would have taken were you to concentrate singularly on each task. Therefore, your schedule should feature one task per period for optimal results and efficient time use.

Incorporate breaks

To get more out of your time and sustain morale and energy levels throughout the day, have mini breaks in your schedule of 5-10 or 15 minutes. After you focus on a task for 30 or forty minutes, take a short break. During breaks, check your mail, social media pages, consume favorite content, etc.


Before taking on a task, ask yourself if that job represents the best use of your time. If it does not, find someone else to do it, and use the time to strike a more crucial task off your to-do list. Hence, learn to trust and rely on others to get things done.

Eliminate distractions

Plan ahead to minimize distractions and streamline performance. Prepare the environments in which you will be undertaking your well-selected responsibilities beforehand. Put away common sources of distraction – mainly, your phone; notify friends that you will be unavailable, etc.

Avoid perfectionism

If you are a perfectionist, let go of the habit to get more out of your time. Do not get hung up on miniature details that offer minimal value in comparison to the time input. To achieve this, when working on a project, overcome the urge to continually analyze and revise. Instead, forge forwards and review things in bulk later.

Cultivate habits

Leverage the power of habits to gain performance momentum and make the repetitive tasks in your daily schedule easier. Exercise at a particular time daily, wake up at a specific time, meditate at a specific time, etc. If you have a blog where you post weekly, for example, write something small daily, rather than all of it in a day. Build routines, and your tasks will become enjoyable and more fulfilling.

One step at a time

Dwelling on the size of a task may demoralize you resulting in a self-defeating cycle that makes it hard even to start. Focusing on a project in its totality will no doubt overwhelm and diminish your drive. As a hack, focus on one step at a time. Think only about getting the next bit-part done.

Reclaim time

A lot of time can be reclaimed from non-intensive undertakings. When commuting to and from work, when in a cue, when driving, etc. During these times, reply to emails, read a good book, listen to something uplifting, catch up with family, etc.

In closing, it is outright impossible to achieve anything meaningful, leave alone a legacy, without proper time use. Every well-lived life, when stripped down, has evident traces of shrewd and prudent time utilization. With this in mind, internalize the above steps and renew your zeal for time management to realize your dreams.

13 Tips to Design a Workplace that Sparks Creativity

13 Tips to Design a Workplace that Sparks Creativity

Scientifically, the growth potential of any organism is maximized when the environment is conducive. When it comes to the workplace, the same rule applies. The idealness of your work area will determine your performance to a substantial extent. Here are 13 tips to design the perfect work area that sparks creativity.

Leverage natural light

The body has an internal clock, and when you expose yourself to contrary conditions such as darkness during the day and vice versa, you interfere with the body’s inbuilt pattern. Working against nature in this manner is an ill-advised upstream swim.

Therefore, work in tandem with nature to increase your creative capabilities by ensuring that your office allows in lots of natural light. As a rule of thumb, you should never have to switch on lights during the day, unless on a very gloomy day.

Proper lighting

If you do not have the privilege of a work area that maximizes natural light, go for white, artificial light. The room should be adequately bright, and the lighting should be warm such that there are no sharp shadows. If you are into ambient lighting, install it as a secondary or complementary mode of illumination.

Make it spacious

Spaciousness drives creativity. Roomy areas invoke a sense of freedom that helps the mind loosen up and consider hitherto unrecognized viewpoints. Therefore, your workstation should be adequately spacious. Use styling to propel the illusion of space such as long blinds with rails a few inches above the windows.

Incorporate a recreational space

Every once in a while, you will need to stretch and take a break from your work which highlights the importance of having recreational space in your work vicinity. If it is an office, set up a sofa and a coffee table in a lounge style where you can relax after short bursts of creativity to recharge. Additionally, ensure there is enough free space.

Put up some art

Art provides one of the best ways to make the innovativeness of others work for you. Choose pieces that are both appealing and a bit unhinged. They should not be orthodox as the goal is to have examples of top-shelf creative work to impress upon your mind. It does not have to be something expensive, any art piece that fits the above criteria and pleases you will do.

Personalize the space

Your workspace should echo your personality. You could place pictures of loved ones on your desk, some flowers, a talismanic figure you fancy, and other items that will enhance the feeling that you own the space. This way, your mind will feel more at home which will increase your creative output.

Leverage motivational messages

Given, there are people you admire and statements you live up to. Provide room for the same in your work area by hanging pictures and impactful quotes. Go a step further and even make such your computer or smartphone screen saver. The goal is to create a frame of reference for the person you want to become.

Use scents

Different scents evoke different feelings, and as you might have already perceived, there are scents you can capitalize on to improve creativity. Lavender helps with relaxation which enhances creativity while cinnamon-based fragrances improve focus. Pine smells elevate alertness, citrus will lift your spirits and peppermint has a mood enhancing effect. Try out different scents to find those that work for you.

Have a whiteboard or an interactive wall

Set up a whiteboard in your work area to use when you want to refine an idea while promoting a sense of urgency. It will also come in handy when you are brainstorming with workmates. Glass can also do the trick provided you do not use permanent markers

Account for different work scenarios

Depending on your personality, you may wish to work the brick and mortar way on a desk for a while, desire to sit back on a couch the next time, and want to work on the floor during another shift. Provide for these likely eventualities to create an inclusive work area that maximizes your creative output. In the case above, you could get a sofa, a comfortable rug and pillows.

Go for comfort

When the mind is at ease, creativity comes naturally. The opposite is also true and this is why calming the fight or flight response is crucial to generate any worthy output. To this end, your workplace should be as calming as possible. The ambiance should be soft and relaxing with hues that promote calmness.

Minimize distractions

If you like TV, do not place a giant screen in your office. The same goes for a music system if music distracts you as you work. Strip your workspace of potential distractions to maximize your creativeness as well as overall productivity.

Use the right colors

Different colors have different effects on the mind which means that you should carefully consider your workplace color scheme. Surveys have proven that blue and green work best for creativity, positivity and promoting calmness. Depending on your preferences, you can mix them with whites, and grays.

With the above tips, you now have the ammunition to transform your workspace into a creative powerhouse. However, bear in mind that no amount of tweaks can beat the classic methods of impelling creativity which are adequate rest and hard work. Exercise also helps.

13 morning rituals to keep you productive all day long

13 morning rituals to keep you productive all day long

Ensuring you are productive all day long should be a priority since it is what ensures you are able to deliver on all obligations effectively. When you win your morning, you win the day and this is what you should concentrate on when trying to set the morning routines since they are the ones that will influence overall productivity of your day. Here are 13 morning rituals to keep you productive and in the right state of mind.

Wake up earlier

When you wake up earlier than the scheduled time when your routine is supposed to begin, your mind is able to settle into the moment and this gives it a relaxed setting. This also eliminates the stress of rushing through steps of getting ready which is an added plus on your way to commanding the day.

Take 5 mins to meditate

Meditation after waking up is a way to relax the mind and ensure that the body is energized for the challenges of the day. When you take 5 minutes to meditate, you are able to increase your concentration and be awake to the finer details. It is all about preparing the mind to have acute attention to detail and shake grogginess that manifests in the morning.

Listen to mood inspiring tunes

There is power in aligning the mind with soothing tunes. Music is a remedy for the soul and sets the mood for the day. Listening to mood inspiring tunes encourages a positive perspective and gives you the motivation you need to drive forward.

Write 1 daily intention

A unique ritual that should ensure you are productive in your day is the writing of 1 daily intention every morning. The key is to take a moment to write down the 1 intention you must achieve for the day. This gets you measured as it should be a simple and attainable intention that maps your progress every day.

Work out

To have a productive day, you have to have at least 15 minutes of working out. Go on those stretching routines and have a workout session planned out that will replenish energy and give your muscles some flexibility. This also helps with blood flow and the practice of staying focused.

Have a power hour

You need one hour just to yourself where you get to read something inspirational. The key here is to prioritize yourself. This hour should not be used to open mail or other work related stuff since it will mean work dictates your day and you become reactive as opposed to being proactive.

Reflect on the potential of the day

Each day comes with its opportunities and challenges and reflecting on the potential avenues of the day is a unique strategy that ultimately enhances the chances of success. Reflecting also aids in refocusing your perspective and ensuring you stick to your personal commitment to thrive.

Take warm lemon water

A glass of warm lemon water is the ultimate positive that you should target every morning. It triggers the body’s metabolic processes and ensures the body system is super charged and ready for the day.

Eat a healthy breakfast

A healthy breakfast has the same consequences on your day as the resting time you have had the previous night. A healthy breakfast of oat meal, vegetables and a smoothie will keep your body fueled and also guarantee you capitalize on the metabolism of your body for energy generation.

Clear inbox

If you plan to be productive all day long, you have to clear your inbox early each morning and this should take 20 minutes or less. Check recent emails flagging the important ones and noting the ones that need immediate action. The starred emails can be included in the targets of the day to give you flexibility and operational efficiency.

Set the target(s) for the day

This helps with both mental and physical focus. Identifying and documenting the tasks that you must accomplish gives you the motivation needed to achieve and deliver on the same. The targets should be reasonable and impactful.

Create a priority list

To avoid a cluttered mind, a priority list is important if you want to command your day. It helps to mentally acclimatize yourself to what your achievements should be. Priority list allows you to set your important elements on paper and tick them off as you deliver on them.

Schedule downtime moments

Our bodies follow the ultradian rhythm and this means our minds concentrate and are massively productive in the space of 90-minute cycles. Staying vibrant and in the thick of things without downtime moments is detrimental to both your health and productivity. This is why you should schedule 10-minute downtime sessions with a reminder since they are instrumental when it comes to topping energy and rehydrating after every cycle.

13 common characteristics of successful entrepreneurs

13 common characteristics of successful entrepreneurs 

Successful entrepreneurs are always characterized by select traits and characteristics that have defined their persona and success. In order to be a successful entrepreneur, individuals must look to have the traits that have define the best entrepreneurs. Here are 13 common characteristics of successful entrepreneurs.

Open minded

All successful entrepreneurs are open minded in the sense that they understand the fact that every situation and obstacle presents a business opportunity for them. They look at everything from the point of view of an optimist which gives them the chance to address matters in a calm and collected matter seeing opportunity in every adversity.


An entrepreneur needs to be hardworking if they are to achieve the goals and objectives they have set for themselves. When profiling successful entrepreneurs, it is easy to note that they all have good work ethic since it is what drives their development. Hard work ensures they are able to deal with setbacks and adverse situations since it inspires dedication and focus.


A peculiar characteristic of all successful entrepreneurs is creativity. Entrepreneurs need to make connections between events and find a solution to a problem people have. In this, creativity has to come in to ensure every stage of the planning process is captured seamlessly.


All the successful entrepreneurs are competitive both in their approach and track record. Their greatest joy is when they win and get their ideas in the face of the target audience. To be competitive is to have a burning drive for success and this is what sets them apart.

Strong people skills

One peculiar trait that all entrepreneurs must have is strong communication. Entrepreneurs grow the business from the start and this means they have to put in the effort and submit to the grind. This calls for strong people skills that will ensure they are able to sell products, motivate employees and coach for success.


Ambition is priceless and this cannot be understated as it is what drives the development and success of all entrepreneurial efforts. Successful entrepreneurs always have something to prove and this means they have to take calculated risks which is a factor that epitomizes their self-belief.

Team players

A successful entrepreneur must be a team player in the sense that they have to be positive about working and collaborating as it is the only way to achieve success. They are the networking gurus since starting and running a business requires effective team working and management.


Successful entrepreneurs have been known to make wise investment decisions and this is a product of being disciplined with every decision. They don’t just go for an idea simply because it is available as they aim to have informed decision making that will make them decisive when they see a winning strategy.

Money managers

All the successful entrepreneurs have been identified to carry a particular inclination to money management that simply makes them the best economists. Starting a business requires effective money management to ensure you don’t run out of finances. From management of inventory and cashflow, successful entrepreneurs have been characterized to take these as very important elements of their businesses.


There is nothing that defines a successful entrepreneur than the aspect of being tenacious. To be focused, an entrepreneur must be goal oriented and persevering to achieve success. The major consideration that is made with the tenacity of the successful entrepreneurs is that they have an ever-winning attitude and they don’t quit. They always strive to complete what they have started no matter the difficulty and this is what defines and cements the success they enjoy.


Many entrepreneurs always ask what will differentiate them from the rest of the entrepreneurial pool and the answer is always the same; be a visionary. In order to be a successful entrepreneur that follows in the success of the ones that have done it before, you need vision for the business and how it will grow to achieve the tremendous success. Business moguls including Mark Cuban, Daymond John and Robert Herjavec all attribute their success to being visionary and setting out an environment that enables the vision to succeed.


A common characteristic of all successful entrepreneurs is adaptability and this is where they are charged as having the capacity to be constantly on the learning curve. In their bid to try to achieve efficiency, successful entrepreneurs have to be adaptive to gain an extra mile on the competitors. Adaptability guarantees effective and selective flexibility which is a major asset in the business world.


When looking at the successful entrepreneurs, passion is a major trait that all are charged as possessing. An entrepreneur has to be passionate for what they are involved in since it is the only way to be a success.

13 Characteristics of Effective Entrepreneurs

13 Characteristics of Effective Entrepreneurs

Entrepreneurship calls for a certain mix of traits without which success becomes a challenge or altogether impossible. While some characteristics such as oratory skills are a great added advantage; others, like shrewdness and creativity are core. Here are 13 characteristics of effective entrepreneurs.

They work hard and smart

Successful entrepreneurs agree that working hard is good, and very necessary; but more than that, they promote the absolute importance of both working hard and smart to fast track venture successes. The two must go hand in hand to maximize the probability of prosperity with efficiency and performance as the two primary metrics of evaluation.


At the onset, before a venture gets off the ground, there is usually a period where the input outweighs the output. At this time, a lot of discipline is needed to work hard and intensely over long hours. Optimal manpower is often unavailable thanks to thin working budgets and constricting capital, and entrepreneurs are forced to take on many roles.


A significant chunk of entrepreneurship comes down to aligning oneself with the right people who help propel the vision skyward. Besides friends, it extends to employees and business partners. A wrong CEO or an incorrect business alliance can easily spell doom for a venture and history is littered with examples. Thus, being careful is crucial to evaluate the right decision when it comes to dealing with people.


Innovation is the very crux of entrepreneurship. To succeed, a unique product or service that is robust enough to justify the building of a company around it must be offered. More so, innovation is also needed to maintain a market advantage in view of the competition; lack of which may relegate a business into economic oblivion.

Polished salesmanship

While innovation helps realize a product that can sell, the actual selling is what turns all the other wheels eventually bringing about success. As a result, salesmanship is a skill all entrepreneurs have to learn and master early. Great entrepreneurs know how to sell products, ideas, their visions, and aspirations; otherwise, the much-needed support will not be forthcoming

They adapt quickly

In the entrepreneurship process, often, the final product, and the implemented business systems end up being significantly different from the original blueprint. Many factors are responsible for this chief among them being market dynamics, variations in the production environment, unforeseen challenges, and previously overlooked, or underestimated aspects.

Willing to change

Entrepreneurs know and understand that change is the one constant in life. They embrace the fact that if something worked yesterday, it does not mean that it will work today. In fact, entrepreneurs use change to their advantage to capture bigger market segments and strengthen their value propositions.

Willing to take risks

All ventures have elements of risk in varying degrees. Thus, entrepreneurship calls for clever risk management which automatically disqualifies persons with a penchant for risk-free comfort zones. To succeed, one must court risk shrewdly in a manner that dramatically increases the chances for success.


Entrepreneurs are very active people. They are always up to something trying to make things come together profitably. They set an example for and motivate their employees by their drive and passion which is evidenced by their continual hustling. They understand that a company and its performance mirrors the attitude of the leadership which makes them strive to get the most out of time and other resources at their disposal.

A degree of self-doubt

A lot of self-doubt is, obviously, bad as it will result in incapacitation. However, a little bit of insecurity is beneficial. It fuels reconsideration and deeper, more intense analysis which reduces the chances of things nosediving due to unanticipated occurrences.

Entrepreneurs have a habit of courting the right amount of doubt to remain on their toes. Though outwardly very confident, many highflying entrepreneurs have admitted to having a certain level of doubt especially in the face of monumental undertakings.

Thinking on one’s feet

Entrepreneurs know how to go with and adapt to the flow. Their level of liquid intelligence is elevated thanks to the many situations they face where solutions have to be devised on-the-spot. The may go into a pitch with a game plan but judging from its impact, bin it midway in favor of an off-the-cuff delivery, for instance.


Due to the importance of innovation in entrepreneurship, entrepreneurs quickly learn that open-mindedness is a great asset. They are willing to accept ideas and input from various quarters. The average successful entrepreneur has an inner team of advisers which includes lawyers, accountants, strategists, confidants, etc.


Procrastination and indecision are not only undesirable in business but also fatal in the long run. The temporal nature of opportunities forces entrepreneurs to be decisive to capitalize on any and all possibilities.

The base trait that defines entrepreneurs is an overwhelming desire to succeed. With it in place, all other core traits can be learned and polished. More so, only a firm resolve deters the inclination to quit when challenges and pressure mount.

Millennials in Debt: 13 Tips for Making Money

Millennials in Debt: 13 Tips for Making Money

According to a survey by PricewaterhouseCoopers, Millennials are largely financially illiterate. This truth is further evidenced by their inability to save, make sound long-term financial decisions, but most damning, the level of debt many carry.

Coupled with the shortage of ‘traditional’ money making opportunities; as a Millennial, it is easy to lose hope and throw in the towel. However, that need not be the case as with the right guidance, there are many contemporary money making opportunities you can capitalize on. Here are 13 tips for making money.

Learn how to budget

If you are not a shrewd money steward, it does not matter how much you make – eventually, you will end up broke, or in debt. As a foundation for sustained prosperity, start with the basics and learn how to budget. Do not spend on things you can do without and save the extra income. As your savings bulge, you may find yourself with enough to invest or venture out.

Start a side hustle

It is highly likely that your job does not bring in enough income. And even if it does, chances are that you could still use the extra earnings. To this effect, brainstorm on a side hustle you can begin. It should be something with potential and reasonable margins that can easily fit into your schedule.

The time factor

Preferably, do not go for a side hustle in which your earnings will equate to the time investment. For example, if you are doctor, do not start a private practice based on your extra hours. This is so because you only have so much time which means that your earnings will have a glass ceiling.

Look for something to sell with a high probability of going viral, or a gig that can run independently past a certain point.

Embrace entrepreneurship

To earn more than you will ever need and leave behind enough for your children’s children, embrace entrepreneurship. There are more than enough role models to guide you through books, advice, videos, seminars and other channels. It is not an easy journey, but once successful, the fruits are more than worth it.

Take a leap of faith

Any money making venture you will ever get into will call for a leap of faith. The belief that things will work to your benefit, sometimes, despite glaring challenges and the chance that you may fail spectacularly. Given, this does not mean that you should divorce shrewdness and prudence.

Shift jobs or careers

Some jobs/careers just do not pay enough. If you are in such a job, and becoming a business owner or getting into entrepreneurship is off-putting; then, look for greener pastures. The IT industry is particularly booming both money-wise and opportunity-wise.

Get a raise

If you are sure you actualize more value at your workplace than your pay slip reflects, gather confidence and request a raise. Be careful and very tactful on how you go about it to avoid a strategic slip up that may serve a shoot-yourself-in-the-foot scenario.

Build custom goods

If you are the artistic type and you like creating things during your spare time, then, you already have the products and all you have to do is sell them to make money. Take advantage of social media, and commerce websites such as Etsy, OLX, Cargoh, eBid, etc. You can also sell other people’s items at commission.

Start blogging

If you love writing, start blogging on a topic you love. The blog may take some time to catch on, but once it does, it will earn you handsome sums and enhance your online presence. In the meantime, work on content mills where you can sell your content.

Teach online

If you can convey information well and you have honed your expertise in a certain area, share your knowledge by becoming an instructor on credible websites such as Udemy.

Online surveys

Companies are always looking to test their products through surveys. If you have spare time, make a point of filling a few surveys daily. It is straightforward, hassle free, and you will earn a few extra dollars. No-risk matched betting is also another popular way of making quick money.

Review material

There are many paid reviewing opportunities online. The actual material to review ranges from music, photos, content, websites, designs, brands you have interacted with, etc. However, you will have to research to find credible sites with the kind of opportunity you are interested in.

Become a life coach

If you have substantial experience under your belt in a particular niche plus a reputation to back up your prowess, you can make extra by coaching others. Build a website, and advertise your services highlighting the value you offer. If you create a great proposition, you will certainly get clients.

Where there is a will, there is always a way. If you genuinely want to make more money, court that passion and do not give up even if you encounter failures. Eventually, you will get a lucky break as every other wealthy person has at some point.

How are Millennials Different from Other Generations: 13 Reasons

How are Millennials Different from Other Generations: 13 Reasons

In many ways, Millennials are different from the preceding generations X and Baby Boomers. According to experts, their distinct attributes are majorly down to a stable childhood, and the rapid technological growth they have witnessed, played a part in, and wholesomely adopted. Here are 13 reasons depicting how Millennials are different from other generations.

Highly educated

Millennials are the children of Baby Boomers and partly, generation X. These two generations grew up believing in the power of education as a master key to affluence and a complete lifestyle and hence, they passed on these ideals to their children. As a result, Millennials are the most educated generation on earth.

The parent-child bond

Baby Boomers and generation X faced the ill-fate of witnessing war, family in-fighting, and many divorces. Many of them vowed that their children would not go through such and they worked hard at their unions. Millennials emerged the beneficiaries; hence, most of them have a deep bond with their parents.


Millennials are the kings of tech. They have witnessed the growth process of many currently prevalent tech concepts, and they are now at the helm pushing tech boundaries in different professional spheres in conjunction with generation X. To Millennials, adeptness with tech almost comes naturally. The average millennial has at least two smart gadgets among a tablet, Laptop computer, a smartphone and a smartwatch.

Financially inept

Despite the high levels of academic education, Millennials are mostly deficient in financial education. They spend a lot on fancy things, find it hard to save and budget, and have little understanding of core financial aspects. The good news is that becoming financially literate is only a matter of interest and applying oneself.

They have high expectations

Millennials demand more of life than other generations. They not only want to work hard and earn enough, but they also want to discover the joy of work by working in sectors where they feel their talents are best utilized. They want the whole package, and they are not afraid of pulling all the stops to get it.

They have different priorities

Happiness is core for Millennials. Many have changed careers at the drop of a hat in search of opportunities that are more satisfying overall. Moreover, they value experiences over and above material things, and they would, therefore, rather spend their money going to exotic places than saving to buy a home.

They are a united generation

If they wish to be, Millennials can unite and create a formidable force. Social media is the chief empowering infrastructure as it enables Millennials from all over the world to interact and remain in sync. Millennials have brought to the fore the power of online campaigns and drives for or against various causes.

They do not hold retirement in high regard

Retirement means a lot for the two previous generations. As a result, they go about their work with the consciousness of approaching retirement striving to prepare for it as best as they can. Millennials, conversely, are not equally enthused concerning retirement or planning for it. They are more focused on living life as it unfolds.

They have an unorthodox life approach

Millennials want remote jobs that will give them the freedom to mix work and play. Those with office jobs want to wear sneakers, hoodies, and jeans to work. In many other ways, the Millennial approach to everyday life is unique coming off as peculiar to other generations.

More expressive and aggressive

Having grown in environments that encouraged speaking up one’s mind, Millennials are very expressive. They have no qualms with sharing personal details that other generations consider private online. They speak up when displeased with something, and they generally do not take poor treatment lying down.


The convenience of the internet has cultivated an on-demand attitude in Millennials. They are used to getting desired items immediately, and their patience is thus, greatly diminished. They fret and their countenance changes to one of disappointment, or even anger, when they have to join a queue, for instance.

Shorter attention-spans

Today’s distraction-fueled society has made many Millennials develop an attention deficit in comparison to other generations. Social media notifications, texts, video chats, chat apps and surfing the web all compete for a Millennial’s limited hours leading to extensively fragmented time use. Those who can concentrate for long periods have had to work at it.

Get depressed easier

Sadly, Millennials are more susceptible to depression compared to other generations. Current suicide rates are topped by Millennials and psychiatrists are increasingly reporting Millennial patients. Experts propose that helicopter-parenting, where most of them were not hardened enough to deal with common life disappointments, is to blame.

As the most advanced generation on earth thus far, Millennials are the default flag bearers for humanity for the foreseeable future. Their uniqueness aside, the signs clearly foretell that they will advance humanity many giant steps forward.

13 ways to make millennials want to work for you

13 ways to make millennials want to work for you 

When you want millennials to work for you, there are various aspects of your management and workplace orientation that you have to capture to increase the chances. Millennials are known to be vocal about what they need and what they take into consideration before they take up a job offer and these are the elements that you should be focused on. Here are 13ways to make millennials want to work for you.

Structure transparency

Millennials consider a good employer to be the one who is transparent about what they are doing, how they do it, and what the overall goal is including how employees are treated and what is expected of them. When this transparency is captured, millennials will come flocking since they believe they are given some consideration at the workplace with the openness being displayed.

Structure career advancements

Millennials are known to only want to work at a place where they will have the opportunity to have career advancements. When you structure career advancement opportunities, you position your company as the best choice millennials can take advantage of.

Reward ambition

Millennials are an ambitious bunch and rewarding their ambition is a way to make them want to work for you. Structuring reward systems that recognize their ambition is what ensures they become interested and committed to the idea of working for you.

Provide objective leadership

Objective leadership is a deal-breaker for millennials since they believe that it is only through effective leadership that they will gain a lead in life. The key is to ensure you lead with the positive. In this, the idea is to provide feedback on what they are handling well before constructive criticism so as to ensure they grow in their role and responsibilities.

Promote a good cause

Promoting and supporting a good cause ranks as an avenue to get millennials to work for you. Millennials love to be associated with the organizations that support a cause whether it is the conservation of the environment, voice against animal cruelty or speaking up against homelessness. A good cause gets millennials excited about their work and commitment to ensuring success so that others benefit.

Structure work-life balance

If you want millennials to work for you, structuring a work-life balance is the key. Providing flexible work hours for the millennials is one way to make sure they are better suited to their roles. This makes millennials excited about working for you since it gives them a heightened sense of productive outlook.

Set the workplace as a family

Millennials desire to have connections at the workplace if they are to be happy and productive. The leadership at the workplace should be presented as the guidance tool and the coworkers set as “work relatives” if the millennials are to be thrilled about the idea of working at the organization.

Use merit as the yardstick

Millennials often feel shortchanged at the workplace since they believe recruiters and resource managers from older generations consider their own instead of using merit as the yardstick for role consideration and promotions. By placing merit as the yardstick, you position your company as the unique option for millennials.

Have mentorship programs

Millennials love to learn and they believe they thrive in the job spaces where they get the appropriate mentorship. Placing a mentorship program in play is what you should consider since it is bound to be the input that places your organization as the best choice millennials have in career development.

Structure recreation options at the workplace

Whether it is the team building exercises, happy-hour outings or game platforms at game rooms at the workplace; recreation options also serve as a deal-breaker for millennials since it makes them be vibrant at the workplace.

Structure systemic upward mobility

The beauty with the chance to exploit upward mobility is that it proves loyalty to millennials. The opportunity for upward mobility incentivizes the commitment of millennials to want to work for you since it assures them that they will be promoted to higher ranks with every contribution they make.

Structure in-house incubation

If you wish to attract millennials to work for you, the key is to structure in-house incubation. This encourages employees to develop and bring forth ideas for new products. Millennials love a chance to contribute with an ingenious idea that is originally theirs and one that can revolutionize how people operate and relate.

Offer work benefits

Millennials love work benefits since they believe they are getting rewarded for the efforts and commitment they have at the workplace. Work benefits include living wage and recognition of contributions. Millennials always realize when they are being valued and when they are being taken for granted. Making them a part of the team ensures they feel that they are an essential element at the workplace that contributes to the greater vision of the company.

Best advice for millennials to find a great job. 13 tips

Best advice for millennials to find a great job. 13 tips

Millennials are always looking to land the job of their dreams but the real question always lingers on how they can arrive at it. As a millennial, the greatest test you can have is to try and position yourself as a professional who has the capacity to handle the duties and responsibilities that come with the select job positions. Here are 13 tips that will ensure you are able to position yourself for a great job.

Be willing to work your way up

Many a times, a great job is a factor of how well you are willing to be patient and work your way up the ladder. It is crucial that you are able to prove your worth over time and this is what it means to be committed to working your way up.

Highlight your value proposition

In a bid to find a great job, it is imperative that you highlight your value proposition. This is the only way you can be able to prove to the recruiters that you have the potential to deliver on the target role that you have been dreaming about.

Interview personalities you admire

A peculiar strategy to land a great job involves interviewing personalities you admire. Most millennials have no idea that this is actually a workable plan as it gives you connections in the select companies and ensures you are able to create a persona that the recruiters will resonate with seamlessly.

Reach out

It is of critical importance that you reach out to the companies that offer competency in your field of service. This is a great way to find a great job since it positions you in the radar of the professionals with expert outlook within your industry. The key is to avoid mass resumes and instead take on relevant applications that are customized for specific roles that are in line with your technical background.


The problem with millennials is that rarely are they willing to make the sacrifice. In order to land a great job, you sometimes have to volunteer and offer your service so that the potential recruiter takes notice. Offer to volunteer especially if you believe in the mission statement and vision program of the organization as this will place you in the best possible position to land the job.

Highlight your work ethic

Employers are always looking for the individuals that embody the work ethic that resonates with that of the organization. When you highlight your work ethic, you announce your greatest asset when it comes to the obligations and responsibilities.

Appear tenacious

A tenacious millennial is a great asset to any organization. Employers are even known to even create a position just so that they can harness your potential if you are tenacious enough and this is what you should be targeting as this is what opens the door to your dream job.

Have a unique selling proposition

It is very important that you have a unique selling proposition since it is what makes you stand out from the rest of the possible candidates for the job. In this, the idea is to have a standout characteristic that will differentiate and stand you in good stead for consideration.

Have intimate knowledge of industry

When you have a great command of the industry, it becomes possible to have a greater impact in the field and this is what recruiters target in the employees they take up. Employers will ultimately take notice and adopt you within their ranks if they identify you have a deep understanding and command of the industry.

Strive for experience

It is harder to secure your dream job without the necessary experience. With this in mind, you should ensure you treat your current job as a platform that offers valuable experience that will catapult you to your next role.

Target the professional, not the company

Professional growth is crucial when you need to land a great job. It is crucial you target the person who holds your dream job or has experience in operating in that capacity since you get to learn more from the right professional as opposed to the right organization. As a millennial, you can take the risk and learn lessons related to your dream job since you are young and have a whole career ahead.

Pick a career, not a job

When you are focusing on your career, it is easier to land your dream job than when you are concentrating on the job or role you desire. Job choices will more often than not disappoint but your career path will always lead you to the desired stage since it develops you rank and carves your path over time.

Work for free, initially

Offering your services and expertise for free albeit in the initial stages shows your curiosity, confidence, dedication and commitment. It is a combination of these elements that lands you a great job.

13 Tips for Working a Remote Job from Home

13 Tips for Working a Remote Job from Home

Boss related stresses, commute time and office inflexibility make working from home seem like the best thing that could ever happen. However, if you are lucky enough to make the transition into a good remote job, you quickly realize that working from home presents another set of challenges.

Primarily, without the oversight, you may easily become complacent leading to diminished performance and a stunted career. To help you avoid such, here are 13 tips to get the most out of working from home.

Set up an office

It may seem counterproductive if the atmosphere of an office is what you are running away from, but nevertheless, it is one of the best ways to ensure your home productivity does not dip. If the typical office atmosphere is completely unappealing, look for an ideal work area without office-reminiscent attributes and designate it as your work location. The idea is to have a sacred work space that immediately shifts you into work-mode. Also, make it comfortable.

Set goals

Set goals to define what you should accomplish each day. Otherwise, you may wrongly think your performance is optimal while it is yet mediocre. The goals should be ambitious, yet reasonable such that you continually push your boundaries.

Create a schedule

Concretize your goals by creating a schedule. Here, take advantage of the work-from-home factor by capitalizing on your strengths. If you are a morning person, build your work program around this fact. Do the same if you are a night person.

Work in blocks

Never lie to yourself that you will work three or four hours continuously. The body is not built like that. To get the most out of your time, work in blocks crafted as per your concentration span. Ideally, one block should last anywhere from 30 minutes, to an hour. After a block, take five-ten minutes off. Get some sunshine, stretch, take some water, etc., before getting back to work.

Mitigate distractions

It is easy to get carried away by distractions as you work from home. During working blocks, do not text, check your social media, or reply to emails unless it is part of your scheduled task. Keep distractions to a minimum unless an emergency arises. Advisably, turn off your phone’s notifications.

Set boundaries

Working from home poses the extra challenge of external distractions especially if you have kids. To be safe, set boundaries. Ensure that everyone at home understands that work hours are sacrosanct. This goes for friends too, who might tend to stop over during work hours thereby disorienting and turning your schedule on its head.

No house chores

Work should take first priority. Do not get into the habit of doing dishes, or other minor cleaning chores during work hours just because it is not in you to leave dirty dishes in the sink, for example. Obviously, this does not mean that you should not clean after yourself; it, however, means that you should not let things of a lesser priority usurp energy and time that should go towards your work.

Use the rescued time well

Working from home will rescue an average of an hour of commute time, plus time spent doing typical after work activities such as banter. Use this time wisely. Read a book, work on yourself, devote more time to exercise, spend it with your kids, etc.


The hustle and bustle of an office has the beneficial effect of pressure and competition that keeps the workforce sharp. At home, you lose this and you can easily find that you feel sleepy in the afternoon, after taking your lunch, for instance. To keep yourself sharp and healthy, exercise often. Go for walks, jog, go to the gym, play with family, etc.

Meet others

A work-from-home life can quickly alienate you from beneficial relationships. So that you do not lose socially, take advantage of online networking through platforms such as LinkedIn, Facebook, Twitter, and the rest. Furthermore, get involved in social activities with co-workers and other professionals such as going out for lunch, coffee, networking functions, and team building.

Eat square meals

Working from home can also make you snack more than is necessary, which will ultimately reflect on the bathroom scale. Therefore, ascertain that you eat three square meals but more than that, work on your feeding discipline. If push comes to shove, rid the house of favorite snacks, and stock up on fruits and healthy foods.

Have a tech go-to person

In today’s IT driven professional world, you can encounter a tech hiccup that can incapacitate your performance. Being far away from work, help can be take longer than you would wish. For this reason, particularly so if your job is IT heavy, have a go-to person who can sort out minor technical difficulties.


Check in with your boss and co-workers at least once daily. This way, office developments will not escape your attention and you will remain in sync with office occurrences.

A remote job is a big blessing, but it can become a curse if you do not take the requisite steps to make it work. These tips offer a great starting point, but keep experimenting to find a custom mix of hacks that works for you.

13 Tips for Finding Online Work When Traveling

13 Tips for Finding Online Work When Traveling

The travel-as-you-work arrangement is a dream aspiration for many – especially millennials who use experiences and seeing the world as yardsticks for determining the overall richness of life. Getting such gigs, however, is a challenge, and tact has to employed to land on-the-go jobs with reasonable pay. Here are 13 tips and strategies to find work as you travel.

Choose an online-oriented line of work

Some jobs can be accomplished online; while others – not so much. To increase your odds, the apparent thing to do is to select a career path that enjoys online demand. Great examples include public relations, online marketing, SEO, article writing, web design, translating, customer service management and app development.

Enhance your skill set

The demands of an online job are similar to those of an office job results-wise. The same performance parameters are stipulated especially if it is a permanent remote job. Thus, your skill set must be up to par to perform satisfactorily and avoid conflicts with superiors. Focus on polishing your skill set, and your chances of prospering online will increase significantly.

Build a professional presence

Recruiters nowadays, whether online or otherwise, consider a candidate’s online signature before hiring. Social media pages provide a superb avenue for collaborating claims of expertise, and this is why you should ensure that your digital presence is impactful professionally. Join the main social sites, update frequently, and build a brand that entices employers.


Just like in real life, effective networking online can deliver job opportunities to your doorstep. Strive to build a vibrant network both digitally and in real life. Leverage LinkedIn, in particular, to access and interact with other professionals and do not fail to make it clear that you are on the lookout for new opportunities.

Find a remote job, and then travel

Looking for a job is a job in itself, and traveling usually comes with impromptu demands. A flight may delay, car problems may derail your schedule, among a host of other things that may necessitate readjustment. This brings to light the shrewdness of first getting a remote job and then commencing travel.

Leverage job boards

Boards are the best way to land a gig while traveling. With some luck, you can find a long-term gig but usually, expect short-term jobs. Shop around for credible job boards and sign up.,,,, are some of the famous job sites. To find more websites, search ‘jobs’ in your search engine of choice.

Sign up on content mills

Content mills often always offer short-term jobs. Some pay better than others and the rules vary across the board meaning that it is your prerogative to find one that matches your standards. Popular requests on content mills include transcriptions, article writing, journalism, editing and web design.

Think ahead

Depending on the type of job you are hunting for, think ahead and adopt a pre-emptive approach. Consider whether where you are traveling to has good internet connection, stable power, security, access to printers or fax machines. Otherwise, infrastructure challenges may lead to your getting fired.

Ensure you have the papers

If you intend to travel long distance, different work dynamics may pose a problem. You may require additional papers and taxes may come into play. There may also be other factors to consider and you, therefore, have to conduct destination specific searches to be prepared.

Polish your interview game

An excellent remote job opportunity will call for an interview. In view of this, work on your interview strategy. Research on popular questions in your niche, follow relevant persons who can help you up your game, and always approach online interviews as you would a face to face interview.

Stay connected

The foundation frames of online work are the various systems that enable unhindered communication. Thus, it becomes evident that you have to remain connected to work efficiently. It is only in this manner that you will keep up with employer demands, learn of work related developments and access other relevant parties.

Beware of scammers

Scammers prowl the internet looking for easy prey to take advantage of. In the professional world, their primary source of information are job boards. Hence, keep your antennae up to notice tell-tale signs. Some of the pointers include deals that are too good to be true, jobs that demand you take mandatory expensive tests, recruiters contacting you out of the blue, unprofessional messages with grammar mistakes, etc.

Keep track of your applications

Keep track of your applications to know their status and probability of success. That being the case, you will also reduce the chances of reapplying for the same gig which will paint you as inattentive to detail.

In conclusion, provide points of reference to make it easy for recruiters to substantiate your expertise. Also, sometimes, it may take a while for a good gig to materialize. If this happens, as you continue searching, do something useful such as running a blog.

13 reasons why millennials are so stressed

13 reasons why millennials are so stressed

It has been documented that millennials are top of the list when it comes to the generation that has been hit by a high percentage of stress and depression cases. The real challenge that brings about the stress has been a factor open to debate but understanding the same remains a phenomenon that needs deliberate meditation. Here are 13 reasons why millennials are so stressed.


12% of millennials have been diagnosed with an anxiety disorder and this is what causes stress in their lives. 30% of the millennials who are already in the workforce have been characterized as having anxiety and in excess of 61% of college students have also been reported to have the condition. This is what builds the stress levels beyond normal.

Tough job market

One of the major headaches millennials have that lead to a buildup of stress is the tough job market they are facing with each passing day. With this in mind, millennials are left with an uphill task in terms of figuring out their lives which is what causes stress.

Student debt

Most millennials are facing huge student debts and increased financial obligations they have to meet. With a tough job market to contend with, servicing the student debts becomes difficult which is what leads to accumulation of stress.

Psychological imbalance

Millennials are being forced to endure so much at an early stage and this is what leads to emotional imbalance. Millennials contend with so much from divorce of parents to coping with growing up too fast and in an era when information and access to it is easily magnified. With all these factors in play, millennials become increasingly stressed.

Career crises

Millennials are charged as the generation that has been exposed to varied options when it comes to career development. This opens the doors to career crises since most find it hard to make the correct career decision that will justify their effort within the select industries.

Ambition addiction

Millennials are a peculiar generation since they have been characterized as being addicted to the ambition they hold inside. By being hooked on ambition, many individuals are always facing a difficult task in balancing their personal lives and the potential they carry in terms of delivering on their ambition.

Bad sleeping habits

If there is a factor millennials are guilty of is having bad sleeping habits which massively affects their state of mind over time. A lack of sleep is a detrimental recipe as it overworks the sections of the brain charged with worrying and emotional balance. The irregular sleep patterns millennials are charged as having are mainly caused by the digital gadgets that offer endless opportunities.

Financial instability

The aspect of financial instability is a worrying prospect for many millennials since it means they cannot be independent and hence can’t satisfy their life quests. Lack of financial security means millennials are forced to move back home to stay with parents and depend on the meager earnings they make from time to time and this is what leads to a buildup of stress.

Bad habits and hobbies

With bad habits and hobbies, it is not hard to see why millennials are facing so much stress. The culture of partying all the time and the need to remain high for a sustained period of time are both aspects that lead to a buildup of stress. It has been documented that millennials with bad habits and hobbies are increasingly stressed since they lack balance in their lives.

Pressure of expectation

One factor that simply places undue pressure on millennials is the expectations placed on them. Older generations have placed massive expectations on the millennials and their digital generation which in turn transfers the pressure to deliver onto their potential. As much as millennials are a talented lot, the huge expectations placed on them are a major driver of stress as they increase anxiety as well as limit their capacity to deliver comfortably.

Lack of a work-life balance

Millennials are known to thrive in a setting where they have a work-life balance. Without the balance, millennials are known to face a difficult process of determining how to allocate time and still be productive. Be it academic or labor work, millennials need work-life balance since without it; they are bound to be faced with stress episodes.

Peer pressure

Of all the generations, millennials are arguably the most affected when it comes to peer pressure. With social media and digital networking at an all-time high, millennials are getting to see how other individuals are living their lives in the limelight. It is this perception of others that causes stress for millennials since they fear that they are not successful or they are not meeting their potential.

Culture of perfectionism

Millennials have a culture of perfectionism and it is this element that causes stress since productivity that does not hit the 100% mark is considered a fail. This factor places undue pressure on them to always deliver.