It’s Time To Start Planning For The Future

One of the things that most of us tend to struggle with is thinking about what the future holds for us. Now, this is actually pretty understandable. Without the ability to see the future, most of the time we’re just making our best guesses at what it holds. However, this leads to a lot of people choosing to ignore it entirely and just focusing on the present tense. This is a mistake. The trouble is that the future has a tendency to sneak up on you pretty quickly and if you’re not ready for it, that can be pretty scary. With that in mind, here are some ways that you can start planning for the future.

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The most obvious and simplest way that you can start planning for the future is to start putting some money away in a savings account for a while. Most people assume that they don’t have a large enough income to start saving but this simply isn’t the case. The truth is that, even if you’re just putting away a tiny amount here and there, that can make a huge difference. Whether it’s with the intention of handing money over to family, or funding your own move into a community like Enterprise Retirement Living when the time comes, setting money aside now with a future goal in mind can make a big difference when it matters. You’d be truly shocked at just how quickly those little bits of money can start to add up over time.

Your career

It’s easy to find yourself stuck in a run when it comes to your career. After all, there are plenty of things in modern life that make it pretty easy to fall into a job that you don’t really care about. However, one of the things that a lot of people don’t really pay attention to is the fact that they often end up in a position where they’re in a job that’s just not going anywhere. Sure, it might pay the bills but it doesn’t offer them the chance to grow or develop over time. When it comes to your career, it’s always a good idea to not just think about what it’s like now, but how it can help you move forward into the future.

What happens next?

It’s pretty understandable that most of us don’t really want to think about the potential of something happening to us. Leaving behind the people in our life is a sad and scary prospect. However, it’s something that’s worth thinking about, especially if you have a family. Whether you’re making a will or planning for things like inheritance tax, working with wills & trusts solicitors can make that a whole lot easier. Planning for what happens next is never fun, but at least with the right support, you can make it at least a little bit easier.

Of course, none of this is to say that you should spend all of your time thinking about the future to the point that you miss out on what’s right in front of your nose. The key to living your best possible life is finding that balance between living in the moment and making sure that you’re making plans and allowances for the ways that things might go in the future. This isn’t always easy but it’s by far the best possible way to make sure that you don’t end up with any nasty surprises in life.


Mastermind Groups, Audiobooks and Serendipity

You may have heard of mastermind groups and their potential for elevating your business and personal success. I first became aware of the potential power of masterminds through the iconic book – Think and Grow Rich. Where the success secrets of many of the world’s highest achievers were distilled by author Napoleon Hill.

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Mastermind groups work by focusing the combined skills and experience of their members to solve challenges being faced by individuals. In Think and Grow Rich it was reported that Andrew Carnegie, then the richest man in the world, met regularly with Henry Ford and Thomas Edison among others.

After reading the book I was keen to find and participate in a mastermind group to draw upon the collective wisdom with a focus on my financial education business which I had recently started. Here’s where the first serendipity occurred. Shortly after having the thought I received an email from David Ricklan at SelfGrowth.com announcing that they were launching mastermind groups for people in the personal development industry. I eagerly applied and after some time was even asked if I would like to facilitate a group.

While the group memberships were being put together, I began thinking about the first challenge I could bring to my group. I had recently published my first book in the Financial Fairy Tales series, Dreams Can Come True and I was very interested in exploring an audiobook version. I could imagine for example; the book being playing in the car on the school run.

The first member of my particular mastermind group was an American lady currently living in Japan. During our initial conversation we discussed her goals and plans and how the group could support her. When we tasked about my desire for an audiobook I was amazed to hear that not only was she a voice actor, but also had a friend who was a Grammy award winning musician who she could ask to provide original music.

Within a few weeks she had produced a fantastic audiobook version of Dreams Can Come True which has been downloaded and enjoyed by hundreds if not thousands of children and parents around the world.

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For me this story illustrates the power of our intentions and the reward for taking action. I am sure many of us have experiences synchronicities such as these which occur when we listen to and act upon our intuition.

If you feel curious about listening to the Dreams Can Come True audiobook then we have a few coupons allowing a free download from audible. Please comment below with you email address or get in touch via our social media pages and I can send you a unique discount code.


Back On Track: Reaching Your Financial Goals ASAP

It’s always a great time to reflect on your financial goals and choices to help decide what changes you’d like to make over the months ahead. So much in your life will be dictated by your financial situation, and your decisions will be significantly influenced by your income and expenses. Therefore, it’s always a smart idea to take charge of your money and get a thorough understanding of how you can improve them from month to month. Whether your financial goals are to do with owning property, cutting your interest rates, or finding a better deal on your monthly outgoings; there’s no time like the present to begin making necessary changes and improvements.

Sorting out your money, and having a clear idea of what your future holds will also give you peace of mind throughout the year, meaning that you’ll have a successful and productive time ahead to look forward to. The following are some ideas, inspiration, and advice for those who what to manage their income better and give their finances a boost so that they have more freedom and choice, and will enjoy a fruitful future where they can make their dreams a reality.

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It’s time To Start Saving

There are always excuses you can find not to save some money each day, week, or month. However, getting into good saving habits now will be something that you appreciate in the future. There is always a way to put a little (or a lot) aside and cut back on your expenses, so figure out how to do so as soon as possible. Open up a separate savings accounts, and begin making wise financial choices each month so that a portion of your income can automatically end up in your savings pot. If you’re unsure if you really need to buy something, don’t; utilise that cash in the future and put it away so that it can earn some money back for you in the months and years ahead. It’s always worth discussing your situation with your bank or a financial advisor so that you have a clear understanding of what you can achieve, and by when. You’ll have a stash of cash for that rainy day or an important deposit in the future which will be a great way to feel when you’re putting the money aside.

A Better Score

A good credit score can lead to all sorts of opportunities; it can affect your ability to successfully apply for a loan for something vital like a car, to being able to lease a variety of accommodation and rental properties. Therefore, it’s crucial to a happy and straightforward life that you check your credit score regularly. If you haven’t ever taken out any form of credit; this can be just as detrimental to your ability to apply for things as having a poor credit score. If you’re keen to increase your assets, improve your surroundings, or purchase something major; a great credit score could be the key to getting what you need and want, so don’t ignore it, or push it to one side for a later date. Check out ways to improve and better your score so that you’ll have less to worry about and more to look forward to. http://credit-n.ru/zaymyi.html

The Different Types Of Finance Employers

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Commercial Banks

Commercial banks take deposits from individuals and make loans to corporations and governments. A lot of large commercial banks also take part in traditional investment banking, such as capital raising and trading. Common roles at a commercial bank include loan officer or bank teller, as well as investment bankers, security salespeople, and traders. Over the years though the lines between investment banks and commercial banks have blurred and there are very few ‘pure’ investment banks or commercial banks anymore.

Investment Banks

Investment banks normally specialise in giving strategic advice to governments, corporations, providing financing to companies, and other large institutions, and in buying and selling stocks, bonds, and other securities. Common jobs found at investment banks include investment bankers, security salespeople, and traders.

Real Money

Real money institutional investors invest money for an entity such as a pension fund, sovereign wealth fund, or insurance company in an effort to generate returns over time that will allow the organisation to meet its financial goals. Common roles at real money firms include investment analyst, portfolio manager or trader.

Hedge Funds

Hedge funds are similar to money management firms because they also manage money for institutions and wealthy individuals. But, they are often known for taking a little more risk than some of the traditional money management firms and are more focused on providing very high returns. Hedge funds sometimes have a broader mandate than traditional money management firms and have fewer restrictions on how they can invest.

Private Equity Firms

Private equity firms usually manage money for institutions and wealthy individuals. Hedge funds and money management firms normally buy and sell public securities private equity firms usually purchase entire corporations. Most employees at private equity firms are investment bankers, and their main functions can include analyzing potential purchases, negotiating deals, raising financing, or attempting to improve portfolio companies, operations and profitability.

Real Estate Firms

Real estate firms try to either develop new real estate projects or purchase existing projects in an effort to better manage them and increase the returns. Common finance jobs at a real estate firm include financing specialist, analyst or deal manager. Many leading private equity firms also invest in real estate such as Flambard Williams.

Money Management Firms

Money management firms manage investments for individuals or institutions. Big firms may manage a wide variety of asset classes while smaller boutique firms might focus on a particular market, such as small-cap stocks or high-yield bonds. Common roles at a money management firm include a security analyst or portfolio manager.


By combining the type of job you want with the type of organisation you want to work for, you will be well on your way to the finance career you are looking for. Keep pushing to reach your goal, no matter what it may be. Being the best takes time and is a lot of work, so you must have the patience and the determination in order to get where you want to be, successfully.

>Goal Setting for Kids

>By Winsome Coutts

Ever thought about Goal Setting for Kids? Goal setting is one of the most important skills that a person can learn, and the earlier this skill is learned, the more chances there are for successful outcomes in a person’s life. Adults know that goal setting is all about planning, making progress with that plan and reaching final goals or achievements. Once a child learns how to do this, they can use this tool for more success in school and at home.

Goal setting for kids will help your children to do well on their school tests and in activities such as sports, music programs or outside academic or arts programs – even at home, and with their personal finances. Teaching your child how to be a goal setter will give them a sense that they are capable of whatever they want to do. That’s valuable!

To learn more about Goal Setting for Kids, click here:

How to help your child be a goal setting child

Goal setting for children is basically the same as for adults, with a few caveats. Because they are young, and not as emotionally or cognitively developed, goals should be smaller and more tangible. The idea with goal setting for kids is to get them started in the life-long frame of mind for thinking, planning and taking action to achieve results. The basic premises of goal setting remain the same. You can help your child learn to set goals by working through these steps with him:

Ask, “What do you want to achieve?” – Help your child describe in specific terms something he would like to do that will take some work/planning (getting an A on his next math test, earning money to purchase a certain kind of bicycle).

Ask, “How will you get there?” – Help him plan out the steps to take and the mini-goals to reach on his way to the ultimate goal.

Establish accountability – Have your child write down what he wants to achieve and what his plan for getting there is. He can read it each day to help him with personal accountability, and he can share it with you, or another trusted adult to help him stay motivated, inspired and on-track.

Achieve – Achievement is not only for the final outcome, but also for the small goals that are met along the way.

Review plan/goals/outcomes – Throughout the process and at the end as well, review with your child the plan and how it is going. Do adjustments need to be made? How does he feel about his progress and where it is leading? How was the goal setting experience for him?

If your child does not reach his ultimate goal, talk to him about what he learned on the way. He still has learned valuable lessons about planning and goal setting, and he’s probably learned about himself. Encourage him to not give up on dreams that are important to him, but that if one plan doesn’t work, he has to revise the plan and try again.

Teaching your child to be a goal-setting child is one of the best things you can do.

You will be giving him or her, a valuable gift that they will use for their entire lives, empowering them to achieve wonderful things in every area of life. Goal setting for kids is a skill that will be built on throughout an entire lifetime. For a fantastic resource about , go to Goal Setting for kids

Winsome Coutts holds a teacher’s certificate in education and has written hundreds of articles on self-development. She has studied with Bob Proctor and John Demartini, popular teachers featured on “The Secret” DVD. She is the passion behind the www.4lifehappykids.com and is a parent and grandparent.

Winsome is author of “Go for Your Goals” for kids – a set of downloadable e-books that guide your child through the joyful steps of learning visualization, goal-setting and the Law of Attraction. Simple language enhanced with beautiful illustrations and worksheets make these books appealing and motivating. To learn more, visit www.4lifehappykids.com