Thursday, 4 October 2018

7 Leadership Lessons from Gareth Southgate

Learn leadership lessons from  Gareth Southgate (the manager of the England football team) who equipped the team to get to the semi finals in 2018 for the first time since 1990. What was his secret for success?

Thursday, 23 August 2018

Personal Leadership by Ann Vanino

Discover the elements of leadership, learn how to assess your leadership skills and realize the importance of self-management.

For me, leadership is personal. It starts with the individual. Each person brings who they are to the task of leading. If you are a leader or aspire to leadership, I ask you: Is all well in your world? Are you happy? Are you operating at maximum efficiency? If your answer is "yes," then the world is a better place. Personal leadership is about management of self. You start with you, so that you can effectively lead others.

We have all seen leaders who are not managing their life very well. They are leading, but they are not giving their best. Their leadership skills suffer. We have also seen leaders at the top of their game, who manage their lives well. Their leadership skills thrive and those around them are inspired.

Here are some elements of personal leadership:


Balance is a state of equilibrium among the various demands of your life. Balance is dynamic as opposed to static. For the most part, you are constantly making adjustments, sometimes minor sometimes major, to achieve balance. Maintaining balance allows you to function effectively and productively as you lead.


Fulfillment comes when you are living the life you want to live. You are able to give your all and be energized by your work. You
r being and your work are a match. Your work flows and what you need comes to you. You are aligned with your destiny.

A Positive Relationship with Time

For years, management consultants and self-improvement experts have advised you to "manage" time. Planners, organizers and linear structures are useful, but in reality there is too much information and too many demands on your time to properly manage them. Time cannot be managed, you have to manage yourself.


Focus allows you to channel your energies to create the life you want. Without focus, things do not happen. Creating focus begins with identifying the top priorities in your life. Once your priorities are identified, spend your time honoring those priorities and getting them done.


Confidence attracts people. As a leader if you project self-confidence, people will want to follow you. Confidence involves
self-knowledge and appropriate humility. A lack of confidence belies problems that sabotage your personal leadership.

How are you doing with your personal leadership? Here are some things you can do to build your personal leadership skills.


Ask yourself the questions below. Analyze your answers to help you determine how you are doing and if there are any areas you need to work on.

Are there "energy drains" you would like to eliminate from your life?

Is your life in balance?

Do you choose what the components of your life will be?

Do you focus on priorities?

Are there elements of your life that are not fulfilling?

Do you live in the present moment?

How is your relationship with time?

Are your relationships and friendships supportive and fulfilling?

Do you like the way you present yourself to the world?

Are you maximizing your impact, using all you are?

Are you healthy?

Are there any fears that have gotten the better of you?

Are you speaking your true voice?


The power of observation cannot be discounted. Identify several people that you think are effective leaders. Turn the lens of your observing from how they lead to how they manage their life. Read about them. If you have the opportunity, interview them. For each person you observe, do your best to determine how their self-management affects their ability to lead. From this observation identify your key learnings about personal leadership and how you will apply them to your life.


Identify the top three things you want to focus on in your life. For each thing, identify what you need to do over the next year to achieve it. Set a plan.


What is holding you back from being the best you can be? Answer this question and let go of what no longer serves you.

Your external leadership skills need a strong foundation within. Personal leadership can provide that foundation. Change within will lead to change without.


Tuesday, 29 May 2018

3 Effective Strategies for Achieving Your Goals by TJ Philpott

There are many variables that can keep you from achieving your goals if you let them which is why your focus is absolutely needed! But all the focus you can muster will be of little good unless you have the motivation and direction you'll need to succeed when pursuing any aspirations or objectives you have!

What we're going to discuss here today are 3 simple strategies you can employ to help you increase your success in trying to reach goals you've set for yourself!

Possessing Passion

You'll never be able to reach goals of any sort unless you have a burning desire to make them YOUR reality, therefore you MUST be passionate about this! The process of making your dreams come true typically involves several activities, tasks or function

that may seem mundane or even boring! It is primarily for this reason many quit and walk away before they taste success! On the other hand if you really possess a burning desire to 'accomplish' what it takes to live your dreams, losing your motivation will not be an issue!

Goals MUST Be Specific

To achieve any goals you must FIRST start with 'learning' what it takes to reach your objective! Stating a desire to simply accomplish this or achieve that gives you little direction which is what you'll need to succeed! Your goals MUST be specific so you can formulate a plan to reach them otherwise you're just dreaming, which is FAR different from
establishing a clear cut plan to reach your ultimate objective! Without having a solid and realistic plan to reach your objectives is much like trying to hit a target without seeing it! Good luck with that!

Success Leaves Tracks So Follow Them

No matter what your ultimate goal or objectives may be it's quite likely that somebody has already achieved what is now the point of your focus! Following in their path and even modifying their approach to suit your purposes only makes sense and is likely ALL you'll need to succeed to duplicate their
success! Quite often we found ourselves trying to 'reinvent the wheel' to get the same results others have gotten but as you can hopefully understand, there is little point in doing so! If the answers are sitting right there in plain sight, why spend the time and effort to try and find new ones provided, of course, the accomplishment of others and your own goals are the same!

If you're interested in achieving your goals the 3 'strategies' above are recommended and something you'll need to succeed in your noble pursuits! It's one thing to 'impulsively' choose any objective being it seems like the thing to do, but quite another to reach goals that are truly meaningful! As the discussion above clearly impliesComputer Technology Articles, whatever you set out to achieve will require a bit of planning as well as your focus and effort! Failure to take the time and diligence your preparations and efforts will demand will simply culminate in your own frustrations along with unfulfilled goals!


Monday, 12 February 2018

Building financial empathy by J.D. Roth

Every night, I listen to audiobooks all night long. They lull me to sleep.

If I tried to listen to new books, of course, that’d be a problem. I wouldn’t hear 90% of the story. But I’ve learned to listen to books I know and love — books like True Grit and The Lord of the Rings
— because then it doesn’t matter when I miss large chunks of the story. I already know what happens. If I wake up for five minutes at 2 a.m., I can listen as Frodo and Sam tramp through the Dead Marshes then drift back to sleep again.

This week, I’ve been listening to one of my favorites: Harper Lee’s To Kill a Mockingbird (read by Sissy Spacek). It’s terrific.

Near the start of of the book, young Jean Louise Finch — better known as Scout — comes home from her first day of school and tells her father she never wants to go back. Atticus thinks for a while before offering his daughter a piece of advice:

“If you can learn a simple trick, Scout, you’ll get along a lot better with all kinds of folks. You never really understand a person until you consider things from his point of view…until you climb into his skin and walk around in it.”

Atticus is trying to convince Scout that her teacher isn’t all bad — she just has a different background and a different point of view. Atticus believes that before Scout condemns or criticizes Miss Caroline, she should practice a bit of empathy.

Atticus Finch gives advice to Scout

This is great advice for everyone, and for all aspects of life — even personal finance. Empathy is a skill that seems to have faded from our society (if it ever was truly present); instead, we’re quick to judge each other based on caricatures and stereotypes and incomplete information.

“Trump supporters are ignorant fools!”
“Liberals vote based on emotion, not logic!”
“If you’re in debt, you’re an idiot!”
It’s very easy to judge (and condemn) others who believe differently than you do. It’s especially easy when these folks make seemingly dumb decisions: Your best friend buys a new Dodge Challenger when she can barely pay her rent; a former co-worker takes a week-long vacation to Venice immediately after losing his job; your sister buys a new house even though she intends to move in a couple of years.

Rather than write these people off as “stupid”, I think it’s important to stop for a moment to consider why they do the things they do. It’s rarely because they lack intelligence. There’s usually something deeper going on. And as Atticus Finch suggests, it’s in our best interest to climb inside their skin and walk around in it. That’s the only way we can understand what makes them tick.

A Rush to Judgment
The May 2016 issue of The Atlantic contained an article that caused big waves in the personal finance community. Neal Gabler wrote about what he calls the secret shame of middle-class Americans: They’re broke and in debt. They suck with money.

Gabler writes:

Financial impotence goes by other names: financial fragility, financial insecurity, financial distress. But whatever you call it, the evidence strongly indicates that either a sizable minority or a slim majority of Americans are on thin ice financially.

Gabler cites a survey that found nearly half of all Americans would struggle to cope with a $400 emergency. He admits he’s one of them. He then spends 6000 words describing dumb things he’s done with money: He chose to live in a city with a high cost of living (New York). He continually moved to more expensive homes. He chose to pay for his daughters’ college education. And their weddings. Gabler and his wife didn’t just deplete their own savings — they depleted his parents’ savings as well!

May 2016 cover of The Atlantic“I made choices without thinking through the financial implications,” Gabler writes. “In part because I didn’t know about those implications, and in part because I assumed I would always overcome any adversity, should it arrive.”

It is very, very easy to pick this article apart and marvel at the poor choices the author made. His entire financial life seems to have been reactive rather than proactive. Honestly, Gabler is the polar opposite of what I call a money boss, a person who actively strives to take charge of her financial situation.

Two years ago, it was interesting to hear people’s reactions to Gabler’s article. Many folks told me they had zero sympathy for him and his situation (largely because it’s totally self-induced). “The author’s an idiot,” one person said. Another person wrote by email: “This article really made my head spin. It is the opposite of everything I believe in.”

My initial reaction was similar. As I read the essay, I was dumbfounded by Gabler’s decisions. (I was even more perplexed by what point he was trying to make. What was his purpose for writing the article? What’s his thesis? I mean, it has to be more than “half of Americans are unprepared for financial emergencies” — doesn’t it?)

But then I got to thinking. I used to be like this too. For decades, I did dumb things with money. I financed my lifestyle with credit-card debt. I bought things not because I valued them, but because they were the things people my age (and in my circumstances) bought. I had no savings. If a $400 emergency arose, I borrowed money from a family member.

The problem wasn’t that I was stupid or that I didn’t understand how money works. I understood perfectly well! But just because you know how to do something in theory, that doesn’t mean you can do it in practice. (Example: In theory, I know how to give a great speech. In practice, I suck.)

My problem with money wasn’t the math. My problem was the emotions. I didn’t have a handle on my personal psychology. It wasn’t until I decided to manage my life like a business that my situation improved. Again, that decision had nothing to do with math. It was all about mindset.

Because I was once in Gabler’s shoes, I can empathize with his plight. And, generally speaking, I can empathize when the people I know do dumb things with money. When a friend makes a poor choice, instead of rushing to judgment I try to put myself in their place, to ask why they did what they did. That doesn’t mean I approve of their choices — just that I try to understand them.

Financial empathy allows me to appreciate other people’s motivations, and that in turn helps me provide better advice about money.

A Mental Exercise
There’s another less-obvious way you can use financial empathy. In fact, it’s one of my favorite mental exercises. Here’s how it works.

Whenever you encounter somebody with an interesting lifestyle, try to extrapolate what your life would be like in a similar situation given your current financial resources (and knowledge).

Let me give you some examples of what I mean.

Based on my current savings and spending, I am financially independent. I have a net worth of around $1.5 million and I normally spend less than $50,000 per year. My resources can support my lifestyle — but they can’t support every lifestyle.

During our 15-month RV trip across the U.S., Kim and I stopped in Montana to see some friends who have a high income and abundant savings. They live in a fancy new house on the banks of a river. They have fancy furniture. They take fancy vacations. After the visit, I tried to work out how much their lifestyle cost and how long my financial resources would support it if I were in their shoes. Answer: Not long. Four or five years, at best.

I did the same thing when we spent a day in downtown Chicago later in the trip. I loved the look and feel of the city, and wondered what it would cost to live there. I looked up home prices. (A place in the Jetsons-like Marina City complex would cost about the same as my home in Portland.) I noted grocery prices. I took into account I wouldn’t need to own a car. I tried to imagine what my life in the Windy City would be like. Ultimately, I concluded it’d probably cost a little more than what I spend in Portland, but that I’d still be financially independent.

Of course, not every place is as expensive as downtown Chicago or the banks of a river in northern Montana.

At the end of our RV trip, Kim and I spent a few days visiting my cousin Gwen in Tahlequah, Oklahoma. She and her family live on 100 acres they purchased for $110,000 in 2007. Because they’re conservative Mennonites, they have what most would consider a simple (or basic) lifestyle. They grow much of their own food in a large vegetable garden. They raise goats and cows for milk and meat. They get their water from a mineral spring running through their back yard. They’re not completely self-sufficient, but they do what they can to keep costs down.


If we sold our “country cottage” here in Portland, we could buy a similar creek hollow near Tahlequah, build a house, and still have plenty of money left over from the sale of my home. Because cost of living is so low in rural Oklahoma, I could live like a king indefinitely. I wouldn’t even have to watch my spending! I could buy the fanciest groceries, eat in the fanciest restaurants, and wear the fanciest clothes. There’s almost no way I could exhaust my savings unless I started buying expensive sports cars or flying first-class to Asia.

You don’t have to travel across the United States to do this exercise. You can do it in your own hometown. You can do it by trying to put yourself in the place of people you know. When you visit with a friend who seems to handle money poorly, put yourself in his shoes. Imagine you have your current financial resources but otherwise lived his life. Could you afford it? What changes would you have to make in order to afford it?

I believe mental exercises like this are invaluable. They not only help you explore other possible lifestyles, but they help you develop financial empathy. After putting yourself in your sister’s shoes, you still might think she’s making poor decisions. But at least you’ll have a better appreciation for what she’s experiencing.

Building Financial Empathy
Financial empathy can be used in lots of other ways.

For instance, I’ve noticed that people have a tendency to think that because they do something a certain way, everybody else can (and should) do it that way too. If their path to Financial Independence includes working three jobs, they think everyone should work three jobs. If they’ve elected to cut costs by living without a car, they think everbody should live without a car. And so on. When people don’t do the same things they do, they judge them harshly.

I don’t like this attitude. It demonstrates a fundamental lack of financial empathy.

I’m not saying that you should condone frivolous spending from family and friends, or that you shouldn’t share (and advocate for) the methods that have helped you achieve financial success. But don’t fall into the trap of thinking that yours is the only way — and don’t let yourself think of others as “stupid” or “weak” when they make mistakes.

When I started Get Rich Slowly, my motto was: “Do what works for you.” By this I meant that there was no one right way to dig out of debt, buy a house, or fund retirement. Some strategies might be more effective than others, but that doesn’t make them
“right”. (Dave Ramsey’s version of the debt snowball is fine example. Not optimal from a mathematical perspective, but often the best choice from a psychological point of view.)

Similarly, no two people will pursue financial freedom in an identical fashion. My path to Financial Independence involved writing millions of words about money while purging half of my possessions. I’ll bet your path has been completely different.

The bottom line? We’d all do well to heed the words of Atticus Finch: “You never really understand a person until you consider things from his point of view…until you climb into his skin and walk around in it.” Rather than rush to judgment, take time to consider things from other people’s perspectives — financially and otherwise. Doing so will not only help you better understand your friends and family, but will also help you better understand yourself.

Saturday, 27 January 2018

Achieving Your Goals by Jason Johns

You may or may not have a set of written goals. If you do not, then I strongly urge you to make a written set of goals and clarify what you want to achieve. Whatever the case, you may be struggling with achieving your goals in life. In this article, you will learn some techniques for achieving your goals.

Think of a time in your life when you achieved something you really wanted. Did you doubt it would happen and believe that you could not achieve it? Or did you have a solid sense of knowing that it would happen and doubt never entered into your mind?

It was the second wasn’t it?

When Richard Branson set up Virgin Airways, did he sit in his office and wonder if it would ever work? Did Bill Gates sit in his office wondering if anyone would want to buy his Windows product? They may have done for a little while, but they did not let these doubts rule them. They knew their plans would work and that they would be successful.

When working to achieve your goals, you need that unerring sense of confidence and lack of doubt in yourself. You must Know it is going to happen and that you will succeed. We are not talking about thinking you will succeed, believing you will succeed or knowing you will achieve your goal. They
are all intellectual forms of Knowing, Knowing with a capital K; that solid feeling in the pit of your stomach that you will make happen and you cannot fail. Expect it to happen and know there is no other way. It will happen. This Knowing gives you drive and commitment to see you through to the success of your goal.

But how do you get this feeling? One of the best and most effective techniques is visualisation.

You currently use the power of visualisation, probably without even realising it. Have you ever run through what you are going to say to someone before you have the conversation? Or seen yourself in your mind giving a presentation before you give it?

That is the power of visualisation, and it is very potent. You can use it not only for your goals, but for any aspect of your life. Visualisation is something most people are unused to directing. You will find initially that your attention will wander, but you have to pull it back to the task at hand. It is similar to building a muscle up through exercise – it takes time to strengthen it.

The exercise for visualising your goals is very simple, and is as follows.

1) Select the goal that you wish to work with
2) Picture an image of this goal in your mind
3) Visualise yourself attaining your goal. Use all of your senses – touch, hearing, sight, smell, and taste. Really feel your success with every fibre of your being and Know that your goal is as good as achieved.
4) Hold this image in your mind for a minimum of 10 minutes – remain focus and positive. Challenge any doubts that rise and replace them with positive words and images of success. If you get distracted or your mind wanders, bring your focus back to your goal.

You can also hold this successful image in your mind as you go about
your day to day business. Keep the image there and focus on your success. You get what you focus on – and if you focus on achieving your goal, then you will get it. Visualisation is a method of programming the subconscious mind for success.

With some goals you may want to keep them private. If you are trying to get fit and your friends know you have been less than energetic in the past when you tell them your goal, they will laugh and joke and not believe you. This doubt and disbelief can affect your belief in yourself and in your goal, which in turn can lead to failure to achieve the goal.

It is hard enough to overcome our own doubts and worries without having to also overcome those of the people around you. Keep any goals where you may be influenced by others to yourself and let the people around you see the successful end result.

Affirming Success
Another method for achieving your goals is to use affirmations, which means you repeat your goal again and again to yourself. This is another method of programming your subconscious mind, which is the source of all action.

An affirmation is a sentence or two that is written in a positive language with definite targets and timescales. A bad affirmation would be “I want to lose some weight.” Your subconscious looks at this and since there is no timescale it will not leap into action. There is also no definite target so your subconscious does not know what to aim for. How is “some weight” defined? It is 10 pounds, but also 1 pound and also just 1 ounce.

A good affirmation is “I want to lose 10 pounds by the end of this year.” This sends the right messages to your subconscious. It knows exactly how much you have to lose (10 pounds) and when this must be done by (the end of this year). You know precisely what you have to do and when it has to be done by.

If the goal is to lose 10 pounds by the end of the year, we need an action plan to get us to this goal and to make it happen. In this case the action plan may be to reduce our chocolate intake and increase the amount of fruits and vegetables we consume. The action plan is made up of a series of milestones. For example, if there are 5 months until the end of the year then our milestones would be to lose 2 pounds each month.

Little Steps
You may have a big goal such as “To have an income in excess of £100,000 a year by the time I am 35” (notice the goal is specific in both the timescale and

the amount and does not put an upper limit on your earning potential.)

This goal can be very daunting to look at, perhaps even enough for you to give up and not strive to achieve it. To overcome this, you break your goal down into a number of smaller, more manageable steps.

Any large goal can be broken down into a number of sub-goals, which can then be broken down even further if necessary. Each of the sub-goals has an associated action plan with it. Using our income goal from above, sub-goals could be to understand taxation, to understand investment, to start your own company, and so on.

Smaller goals are easier for you to handle, and help you to stay on course to your main goal. You also get the satisfaction of regularly having successes and achieving goals, which does wonders for your belief in yourself.

All of your major goals and their associated sub-goals and action plans need to be regularly reviewed – ideally daily. This ensures you remain focussed on your goals and instantly know if you start to drift away from your target. It allows you to adjust your goals and action plan according to whether things are working quicker or slower than planned. It also prevents you from repeating actions and carrying out tasks that are not necessary. It keeps the goals in the forefront of your mind, and does not allow you to forget about them.

Achieving our goals is something we all want to do, but it involves work. Rarely will they be given to us on a silver platter by a servant on bended knee. Achievement requires Knowing, drive and commitment, combined with careful and meticulous planning and a firm belief in ourselves. With unwavering belief and commitment there is nothing that you cannot achieve. Everything and anything is within your grasp – if you are willing to make the commitment to achieving it.