3 Ways To Remain Productive When Anxious About Making Money

Working for yourself seems like the glamourous option. Dress however you like, stay home all day, determine your own destiny. Of course, if you already do work for yourself, you know that it comes with a significant downside: anxiety.

When you’re not guaranteed a salary each month, money can be constantly on your mind. You’ve got debit orders coming off on the first of each month, and they keep building up. The internet alone comes with so many expenses: your service provider, streaming subscriptions, and the best VPNs all cost money.

And the anxiety is counterintuitive. Instead of scrambling to work harder and faster, many of us have the impulse to just… do nothing. Push it to the back of our minds and procrastinate.

Anxiety is a huge productivity killer. And when you’re relying on productivity to make money, and money is making you anxious, you can get caught in a vicious spiral.

To help you out, here are 3 of the most effective ways to remain productive when anxious about money.

  1. Set aside a worry time

Anxiety is necessary for survival. If we weren’t a bit anxious, we’d make reckless decisions that could get us killed. This applies when it comes to our careers. We need to be a little anxious so that we’re motivated to make the money we need to live on.

However, that anxiety becomes a problem when it becomes the soundtrack to our entire day. We stop thinking about what needs to be done and only think about what we need from it all.

An excellent technique to manage this anxiety is to set aside a time to worry about money. This can be half an hour during your day when you assess your finances, clarify how much you need and how much you’re making, and (if you want) freak out a little. Knowing that you have this time available eases your mind, telling it that it doesn’t need to be switched on to the dangers all of the time.

  1. Make time for mindfulness

Can taking time out of your day increase your productivity? Well, mindfulness time definitely can. Just 20 minutes of mindfulness can help you be way more productive throughout the rest of the day.

Mindfulness relieves anxiety, helping you focus and just feel better in general. It can be hard to take this time out, because it feels like you’re losing time that you could be working. But the increase of productivity means this time is more than worth it. Not only do you get stuff done, but you also feel more in control and happier with your working life.

  1. Use your future calm as incentive

Okay, this might sound strange to you at first. But when you feel anxious, the thought of being able to just relax is incredibly attractive. Procrastination will give you time away from your work, but it comes with a lot of guilt and even more anxiety. Think of how good you’ll feel when you can take a break after having completed your tasks.

Ultimately, you’ll need to find long term ways to manage your anxiety in order for your work life to feel as freeing as it should. But when anxiety is bringing down your productivity, these 3 tips can work wonders.

5 Reasons Why Owning a House Is a Good Investment for Retirees?

With the strong housing market, many people are wondering whether or not they should invest in a home. There are many people who say that a house is the best investment that anyone can ever make. However, buying a home the right way is crucial to making a good financial investment specially when preparing for retirement.

The type of loan that you get on a home is also important. With the housing market improving, many banks are more willing to be flexible with financing than in previous years. Here are some of the most important aspects of buying a home and getting the right loan for your situation.

Do Not Buy Based on Emotion

There are some people who wrongly buy a home based on emotion. This is a bad decision for a variety of reasons. Buying a home is a long and difficult process, and mortgages are hard to get. During this time, there are going to be homes that you want that sell quickly. Instead of getting upset, you should simply move on to the next home.

Buying a home should involve math and logic. Instead of worrying about the color of the walls, you should concentrate on things like the growth of the area and how many square feet the house contains and its location. Over time, if you buy a home in a growing area, you have a much higher chance of making money from it long term.

Other Loan Options

There are even some people who own their home. This is a great accomplishment and gives them a lot of financial flexibility. Some people who are on a fixed income struggle to pay all of their bills. If you own your home, you can turn it into a source of income.

A reverse mortgage will actually pay you for living in the home. This is a great way to make money every month while staying in your home even after you retired. Before signing up for a reverse mortgage, make sure to conduct thorough research on reverse mortgages on different products in the market. The more research you conduct, the more comfortable you will be with the entire process.

Understand How Much You Can Borrow

Another important step in making a quality investment is to understand how much money you can reasonably borrow. There are some people who make the mistake of borrowing too much money based on their income. This is a major mistake for a variety of reasons.

When you have a high loan payment, it restricts other areas of your life. There are many people who have a beautiful home, but they are not spending any money on retirement or saving for their children’s college education. Having a big and beautiful home is a dream for many people. It should not come at the expense of other financial goals in your life. Remember, just because you can borrow at a certain amount doesn’t mean you should!

Building Equity

Homeowners build equity in a home in several ways. As the prices of homes increase around you, your home will increase in value as well. The difference in the potential selling price and how much money you owe is your equity in the property.

If you have a typical mortgage, you will pay down the principal over a period of many years. The lower your loan term, the higher your payments toward the principal on the debt. There are many people who pay extra on their mortgage to attempt paying it off early. This is a great way to save money over a long period of time.

Overall, buying a home is an exciting process. Make sure to conduct thorough research in order to make a good financial investment in your area.

 

Why Private Jets Look Set to Overtake Business-Class Travel

If you travel for business on a frequent basis, you’ll be all too aware of how time-consuming and mundane the journeys can be – especially when you’re flying somewhere. And even though private jets used to seem like something only the rich and famous could afford, they’re now becoming a popular choice for executive travellers too.

Why?

Because they’re saving people a lot of time – and when you’re working, time is money.

Saving Time on the Ground

One of the first benefits you’ll notice when flying by private jet is how much time you save travelling to the airport. Unlike your standard commercial airlines, these smaller jets don’t require an abundance of staff and large runways. Therefore, you can hop on one of these jets at a smaller runway, which allows you to set off and land much closer to your desired locations.

With there being more minor airports available than large, commercial ones, you’ll find these smaller airfields are less congested, which adds to the overall enjoyment of your experience. Furthermore, a lot of private jet companies, like Vistajet, plan your journey for you, which makes the entire process a lot more convenient.

Saving Time in the Air

Because private jets aren’t tied to the same hubs and spoke networks that commercial jets are, you can fly directly to your destination without any stopovers. This saves a lot of time and hassle, particularly as many private jets travel faster as well.

As smaller jets often fly at a higher altitude, this means they’re flying above most of the air traffic, which also helps speed up your journey by providing a direct route. It also provides greater flexibility so you can avoid any disruptions due to adverse weather, too.

Saving Time as You Travel

Even though there’s nothing stopping you from working on a commercial plane, it’s incredibly difficult to keep your work private when there’s someone sitting right next to you. And, when you’ve got to deal with screaming kids, people getting up to go to the loo and other irritating disruptions, you’ll find it difficult to concentrate.

However, private jets are exclusive to you, which means you don’t need to feel concerned about confidentiality so you and your colleagues can converse with ease. And if you need to get work done, you’ve got the peace and quiet to do so.

Finally, one other huge benefit to flying via private jet is the fact you can stop off at different destinations on the way. This allows you to unite business with pleasure, and is another one of the reasons why executive travellers are starting to choose this mode of transport over business-class options.

Three Affordable Ways to Create Space in Your Living Room

A spacious living room is a real luxury and provides us with somewhere to relax with the family and to entertain our friends. It is far too easy, however, to find that your living room has become too crowded or cluttered and it is then that you may look to solve the problem.

Here are three top tips for creating space in your living room without spending a huge pile of money.

Clean, Tidy, Declutter

Before doing anything else, you will want to spend time decluttering, tidying and then cleaning the space. The idea, if you will, is that the result will be a blank canvas from which to assess what further measures need to be taken.

Toys, books, magazines should all be consigned to their rightful places and any ornaments, old cushions, to tatty to keep, should also be dealt with – maybe this is an opportunity to make a little money on eBay.

Storage Solutions

 Once you have decluttered and so forth, it is time to look at what storage you have and what storage you need – the last thing you want is for the place to become cluttered again.

If you feel you don’t have enough storage space, then there are some cost effective ways of increasing it. For example, adding some hinges or struts to an existing piece of furniture may transform it into somewhere to store things.

Improvised solutions to storage issues make for just about the cheapest way to address the problem.

Mirrors and Windows

Making sure that windows are not overdressed is another good way to maximise the space in a living room. Heavy curtains, not only take up space, but even when drawn open they restrict light and make the room look smaller.

Replacing curtains with blinds can be a quick, cheap and easy win if you are looking for more space. In addition, hanging a large mirror on one of the walls will reflect light and give the illusion of more space.

Sofas and Seating

Sofas and seating, while essential, take up lots of space and evaluating exactly what seating you need and acting on it can yield remarkable results.

For example, armchairs are a no, no if you are looking to maximise space. Replacing armchairs with a two seater or with a three seater sofa, or even a futon, can work a treat and needn’t be particularly expensive.

Making space in your living room doesn’t need to cost an arm and a leg, rather, it is more about getting organised and making some simple decisions.

The Importance of Office Location When Building a Brand

It’s very trendy, these days, to think of location as irrelevant. In many ways, it’s true. With smartphones, laptops, webcams, and video streaming services galore, there’s no corner of the world you can’t visit. Yet, it’s worth remembering that, for businesses, location is about more than how far the marketing department stretches.

On a practical level, investing in a great office location has many perks. For one thing, your employees are likely to work much harder if they actually enjoy being there. They’ll arrive at work engaged and ready to go if the office provides an easy commute. It’s also worth remembering that investors are superficial beings; they want that flashy corporate address.

This guide to the importance of office location will explain why businesses in Malaysia need to invest in the right spot for success.

Turning the Right Heads

Ironically, what with the fact that you can now run a business from a smartphone, investors are still pretty suspicious of bare bones operations. They are much more likely to fund companies with a professional set up, rather than a home based routine.

So, location really does count. Fortunately, Servcorp is a leading provider of serviced office solutions in some of the most impressive spots in the city. These beautifully designed suites are situated in the main retail and financial districts of Kuala Lumpur.

Attracting the Best Talent

It’s not just investors with a lot of cash who look for opportunities in iconic locations. Malaysia is a highly educated country, with a large English speaking population. After graduation, many young professionals move to the capital to find jobs in the corporate sector.

Mining this talent pool is just a matter of being in the right spot. If your business is physically associated with major household brands, their reputation will rub off on your own. In other words, find the most successful part of the city and show the world that you belong there.

Making Daily Routines Simple

Don’t forget that a practical, satisfying location will have a big impact on the employees that you already do have and will recruit later. The easier it is for your workforce to get into the office, the more productive they will be, particularly in the mornings.

Lengthy, uncomfortable commutes destroy morale, so pick a spot which is close to transport links. Ideally, there should be a lot of cool things around, whether that means restaurants, parks, bars, or coffee shops. There is more to work than what happens in the office.

Finding People Who ‘Get’ You

When you’re right at the heart of a big city like Kuala Lumpur, it’s almost impossible not to bump into investors, vendors, suppliers, customers, and collaborators who have similar goals and values. If you’re brand new to the market, don’t hesitate to get out and introduce yourself.

They say that no man (or woman) is an island and this is especially true when it comes to running a business. You can’t do it alone. The support of friends, partners, and creative contributors is a vital part of growing and developing.

Why Serviced Office Solutions Tick All the Boxes

Going serviced means working with an internal office management team. Tenants have their own office suites, with private space and facilities. However, the workspaces are maintained by an ‘in house’ crew of cleaners, repair guys, IT technicians, secretaries, and administrative support staff.

So, there’s no problem or obstacle which cannot be solved within hours. Plus, many of the premium addresses in Kuala Lumpur come with incredible views, beautifully designed collaborative areas, lunchrooms, and more. Whatever you need, you just have to ask.

Employee Training Courses Are Advantageous

There are many reasons why certain companies are more successful than others. Some of these companies have higher quality products. The prices of certain companies might be lower than others. Whatever the case may be, there can be no denying that employee training is a crucial factor when it comes to a company’s overall productivity. This means that it is very important for business owners to provide their employees with the training they need to do their jobs as well as possible. Here are a few of the main advantages that employee training can give to your company.

1. You will be able to train your employees while they are working.

Many business owners are reluctant to offer training programs to their employees because they believe the classes will need to be in a classroom. Therefore, that will take time away from their jobs. However, this assumption is not correct. Training can often take place while the employee is doing his or her job. This will make sure that the productivity of your company will not suffer while all of your employees are being trained. You will need to inquire about which courses are available for employees to take during the course of their job.

2. There are many courses that your employees will be able to take online.

Online courses have become very popular in the academic world. Therefore, it should not be a surprise that companies that specialize in training employees are also taking advantage of them. There are some people who have a schedule that makes it difficult to go to a classroom on a regular basis. Learning while they are doing their job might not be possible either. In these cases, online classes would be very helpful. ARC training provides logistics courses that you can take online or in a classroom. This type of flexibility will make it much easier for your employees to learn at a faster pace on a schedule that is convenient for them.

3. Emergencies at your company will be able to be dealt with in a faster and much more efficient manner.

You might own a factory, warehouse or some other type of business where injuries are common. Therefore, you need to make sure that your employees know what to do in the event that one of their colleagues gets hurt. Seconds count in situations like this. You should never rely on emergency medical technicians to get to your company in time. The choices that your employees make in the crucial seconds after an accident has occurred could determine if a person lives or dies. This is another reason why training your employees what to do in a variety of emergency medical situations will make your workplace much safer. You should also run regular drills to ensure your employees remember what to do.

4. Hiring a company to provide training to your employees can give you more free time.

You might have a very busy schedule when you are running your business. You do not have a lot of free time to train all of your employees yourself. Therefore, hiring a companies that specializes in providing training to employees will allow you to tend to other issues that demand your attention. This will allow you to stay on top of all the important things that are happening at your company.

 

How Losing Obamacare Will Affect Your Insurance

Obamacare is big news right now as President Donald Trump has tried and has, so far, failed to repeal the landmark policy of the previous administration. But despite numerous setbacks and consistent splits in the Republican ranks, the fight for Obamacare is not yet over.

It’s always best to prepare for the worst, so how will your insurance be affected if Obamacare is repealed?

Almost 30 Million Will Lose Insurance Entirely

To put it simply, a lot of people will be unable to afford insurance. And this won’t just be a disaster for anyone suffering from a serious illness. It will be a huge problem for anyone who relies on things like Obamacare for things like senior dental insurance.

Both medical insurance and dental insurance has a high chance of taking a big hit if Obamacare is repealed. You may find that your dental care is no longer covered and that many of your prescriptions have to be paid out-of-pocket.

Low-income Americans are especially vulnerable to these changes, and they may have no choice but to stop paying their insurers.

Pre-Existing Conditions Will Come Under Attack

If you have any form of a preexisting condition, which may even include pregnancy, your premiums are set to rise. Under Obamacare, insurers were unable to discriminate against people who had pre-existing conditions. This protection would be lifted without Obamacare and that would allow insurers to discriminate all over again.

Medicare Users Would Lose Care

Americans over 65 have relied on Medicare to help them receive care. A full repeal of Obamacare would mean higher payments for medical services covered by the Medicare Advantage portion of Medicare. It would not necessarily mean no care at all, but it would mean higher premiums for seniors signed up to this scheme.

No Coverage for Preventative Care

Another big risk to the Medicare program is that seniors would no longer be able to access preventative care for free. It would mean that many seniors would have to pay out-of-pocket for preventative procedures.

In practice this would mean that many seniors wouldn’t be able to afford preventative measures, thus leading to more major procedures and more expensive care further down the line.

More Out-of-Pocket Costs

Current studies reveal that $4,700 will be the average amount Americans will have to pay in out-of-pocket costs if Obamacare is revealed. In short, you will see less effective insurance that increases the amount you have to pay.

This happens in a variety of ways. The main two are for procedures that are no longer covered under your insurance scheme and the higher deductibles insurers are likely to impose in the event of a successful policy repeal.

Last Word – Why Obamacare Repeal is a Disaster

Obamacare repeal would mean, for the majority of Americans, less protection and bigger premiums. There are also more out-of-pocket costs for Americans everywhere.

This could mean terrible things for your insurance and your protection. What do you think is the biggest risk of the current administration taking away the protections put in place by Obamacare?