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Archive for the ‘Un-Business Stuff’ Category

It Makes Sense To Have A Mortgage, And Here’s Why

In Un-Business Stuff on May 16, 2018 at 7:38 am

Mortgages are specially designed loans for homeowners, and without them, many of us would not be able to own our homes today. The main problem that people have with taking out a mortgage is the fear of debt-bondage.

The average lifespan of a mortgage is 30 years. This means three decades of making monthly payments, which can seem overwhelming. But as there is always a trusted mortgage broker in Sydney or in your local area, we’re here to set the record straight and tell you there is little to fear with having a mortgage. In fact, it can be useful financially.

Since there is also interest charged on mortgages (as with all bank loans), most people believe that paying back the home loan as quickly as possible makes the most financial sense. However, we suggest that retaining a mortgage is a better idea than paying it off as quickly as possible.

  1. Low Interest Rate

As loans go, a mortgage is one of the lowest interest rates you’ll ever receive. If you take out a mortgage at a low rate, like 3-4%, then you can fix that amount over the next 30 years. In the meantime, if interest rates rise to 5-6%, you can invest and earn good returns whilst still locked into only paying 3 or 4 percent on your home loan. This is a guaranteed return on your mortgage money, and so no need to pay off your mortgage so quickly if you can actually make money from it.

  1. Preserving Liquidity

This one can be difficult for people to get their head around, and the majority of people often underestimate the importance of liquidity. The main idea behind liquidity is that the amount of money that a person has that is not included in investments or consumer goods. If a person pays off their mortgage earlier than the length of its term, they are also reducing their liquidity.

In other words, it would be more beneficial to keep the money rather than plough it into paying off the mortgage too soon. The money could be used to contribute to buying other major purchases, for example, a new car, rather than needing to go into debt. It makes more sense to keep the mortgage as the main debt and try to avoid accruing other debts, rather than paying off the mortgage as quickly as possible but going into debt when buying other things.

  1. Investing the Extra Money Elsewhere

If a person does have enough money to consider paying off their mortgage sooner, then they should consider doing something else with the spare cash. Whilst it is tempting, as we’ve already suggested, paying off a mortgage as soon as possible is not necessarily to most beneficial use of this extra money.

Investing the money into something not related to housing may be a sensible idea. For example, you could put the money into the stock market, which could give a return of anything up to 8%, which is double the rate of 4% that we’ve already discussed. However, there are certain risks involved to any kind of investment that you should be aware of before putting the money in.

Whether you choose to invest your money or keep it as liquidity, we certainly feel that keeping a mortgage is the most sensible idea, whilst interest rates are so low. Being indebted to a long-term loan may seem daunting, but for many reasons, it also makes financial sense.

This post may contain affiliate links.

Why People Reveal Secrets In Therapy

In Un-Business Stuff on April 19, 2018 at 5:11 am

Therapy is a safe space to talk about your problems. Your therapist, whether they’re an online therapist or an in-person one, is there to unconditionally support you no matter what’s going on in your life. They care about you, and they want to be well. Your friends and family also want these things for you. But, the difference is that your loved ones are not objective. When you have a wacky idea, even though they might think it’s counterproductive, they may support it because they love you and want you to be happy.

Your therapist is there to support you too, but their job is different than a friend or family member. Your therapist’s job is to help you to find balance in your life and make emotionally healthy decisions. But when you first start therapy, that’s not going to be an instant result. It takes time to get to your emotional goals and understand what you need to work on to get better.

In the interim, there is a lot of emotional foundation to work on. When a person starts seeing a therapist, they often feel a sense of relief. If they’re open to how therapy can help them get better, they will be more likely to be truthful and vulnerable with their feelings. If you start therapy as an adult, you’ve had a lifetime of memories, both joyful and traumatic, to work through. When a person is actively suffering, they’re more motivated to work on their issues.

People do not like to be in pain, and so when they want relief from their pain, they often seek it in therapy. When a person has a solid relationship with their counselor or therapist, they are candid with them. They can even get to the point where they reveal deep dark secrets to their therapist. There are certain mental illnesses that have shame associated with them. One of them is OCD (obsessive compulsive disorder). A person with OCD struggles with intrusive thoughts and compulsive behaviors. They might feel shame with their behaviors, such as compulsive text messaging a boyfriend or girlfriend, or obsessively washing their hands. Some compulsions can feel embarrassing and hard to admit to their friends or family members. However, in therapy those secret compulsions could be more easily revealed if the person feels safe with their therapist.

Therapy is one of the ways that people can make life feel easier. If you’ve been hiding something for the majority of your life, it can feel freeing or cathartic to reveal that secret to an impartial person who also truly cares about you. A good therapist demonstrates their care for you. They want to show you that therapy is a safe space to share the things that you’ve been reluctant to share in “real life.” By revealing secrets in therapy, you become better at self-actualization and are better able to be honest about your experiences with your loved ones. Therapy is a great way to practice being honest and translates that skill outside of the therapeutic relationship into your life.

Marie Miguel has been a writing and research expert for nearly a decade, covering a variety of health- related topics. Currently, she is contributing to the expansion and growth of a free online mental health resource with BetterHelp.com. With an interest and dedication to addressing stigmas associated with mental health, she continues to specifically target subjects related to anxiety and depression.

This post may contain affiliate links.

6 Life Hacks To Make Your Life Easier

In Un-Business Stuff, What You Need To Know About Small Business on June 6, 2017 at 3:08 pm

Hindsight is 20/20, isn’t it? There are tons of things I would have done differently if I had just known then what I know now. Don’t get me wrong, I don’t regret what I’ve done and the experiences I’ve had in my life, but being able to make some decisions a little easier or being able to avoid some experiences would have made things so much easier.

But that’s how life goes. Our experiences make us who we are. Being able to share those experiences with others is one of the great things about going through them in the first place. Maybe we can help someone be just a little more informed, help someone avoid a mistake we made, or even help some choose an entirely different path for their life.

I consistently mentor and coach my employees to help them move to the next level professionally based on my experiences, their interests, and their current level in their career.

I don’t often have a chance to share my experiences as a blogger. But I was recently approached by Joseph Hogue, author of My Work From Home Money, to get my ideas on what I would have done differently if I could start my online business over, and I was thrilled. My ideas, along with six other successful bloggers, are shared in the article 7 Successful Bloggers Share How They Would Start Over. I highly recommend this great read, especially if you blog or have ever thought about blogging!

While I’m at it, here are a few life hacks that I’ve learned over the years that I hope will make your life just a little easier:

  • When it comes to kids, pick your battles. If you don’t, you’ll fight with your teenager all of the time.
  • Always keep either an electronic copy or a second hard copy of your car registration and insurance cards in a safe place at home.
  • Always try to make it to the big moments – awards ceremonies, graduations/promotions, sporting events, weddings, etc. – for your kids. Those are the ones they will truly remember.
  • Never stop looking for learning opportunities – classes, books, articles, mentors, coaches – from anywhere and everywhere.
  • Stop stressing over the little things. They won’t really matter in the long run.
  • Take time for you.

Sometimes the best things in life happen when life happens, when you’ve made it through the rough patch and the sun starts shining again, and when you’ve made someone else smile.

This post may contain affiliate links.

Gratitude

In Un-Business Stuff on November 24, 2016 at 3:50 pm

gratitude

Be thankful that you don’t already have everything you desire,
If you did, what would there be to look forward to?

Be thankful when you don’t know something
For it gives you the opportunity to learn.

Be thankful for the difficult times.
During those times you grow.

Be thankful for your limitations
Because they give you opportunities for improvement.

Be thankful for each new challenge
Because it will build your strength and character.

Be thankful for your mistakes
They will teach you valuable lessons.

Be thankful when you’re tired and weary
Because it means you’ve made a difference.

It is easy to be thankful for the good things.
A life of rich fulfillment comes to those who are
also thankful for the setbacks.

GRATITUDE can turn a negative into a positive.
Find a way to be thankful for your troubles
and they can become your blessings.

~Unknown Poet

Thank you, Andy Restivo, for sharing with our organization.

What I Love About Traveling

In Un-Business Stuff, What You Need To Know About Small Business on August 5, 2016 at 6:09 pm

I have been doing some extensive travel over the past few months and, as I like to do in many aspects of my personal and professional life, I want to focus on the good parts. Anyone who has traveled, at least as extensively as I have, will have travel-horror stories. I know that I have more than my fair share. But, life isn’t always fair, is it?

Meeting New People

I love meeting and talking to new people, hearing their stories, finding out what they do for work, hearing about how much fun their having on their vacations…just learning about new people. It helps me put my life into perspective at times, it helps me appreciate what I have (I already do, but it just helps a bit more), and it increases and enhances my view of the world.

Whether it’s a complete stranger that I meet and talk to for 10 minutes (sometimes even only 2 minutes), or it’s a team member that I’ve spoken with and am meeting in person for the first time, I do my best to make the best of the time I’m interacting with them. And I hope that I’m able to give a bit of light and positivity to those I meet as well.

Sometimes I even get to meet some amazing animals!

AZ 2

This is an amazing cat who knows he’s beautiful, loves to fly, and loves to be petted!

Architecture and Nature

I absolutely love seeing the architecture in different parts of the U.S., and hopefully world eventually. Every place I visit is so very unique in how they develop their cities or towns, the way the buildings look, placement of homes and buildings, bridges, beaches…everything is unique to that specific area. Sometimes I even get to experience weather that is the polar opposite from what I’m used to in Southern California.

Boston

The snow in Boston was beautiful!

Seattle 3

Sometimes you find an amazing work of art in the most unusual places ~ Seattle

Seattle 4

The view from the ground can be amazing, too ~ Seattle

AZ

Even the cacti in Arizona can take your breath away!

The View from the Sky

There are tons of things to absolutely hate about flying, but this is about being positive. So, in the light of being positive, I absolutely love the view from the airplane! Even when I end up flying to somewhere I absolutely wasn’t planning to, the view always ends up being absolutely amazing!

Boston 2

The view when you’re flying can be the most amazing thing you’ve ever seen! ~ Flying into Boston

NM

Even when you end up flying into a state you never thought you would, the view can be breathtaking! ~ New Mexico

New Foods

I thoroughly enjoy trying new foods, especially foods that are authentic to that area. When I travel I try to find new places to eat and to try new foods. Some people don’t like to try new things, but I absolutely do! I’ve had some amazing seafood in both Boston and San Francisco, to-die-for walnut pasteries in San Jose, authentic BBQ in Dallas, and amazing southern comfort food in Atlanta! I will, someday, eat at Wahlburgers in Boston!

San Jose

The most AMAZING walnut pasteries – walnuts wrapped in a delicious chocolate and covered in a sweet pastry! ~ San Jose

The Feeling of Accomplishment

When I travel for business, I (obviously) am going on the trip for a specific purpose with specific goals to accomplish. These goals don’t always get accomplished, though. Sometimes plans change to based on the needs in that market, unexpected weather, etc. However, in the end, I (at least so far) have left each of my business trips with an amazing sense of accomplishment. I always go back to a ton of work, but I know that the work I’m doing in the field is making a difference because of the feedback from those I work directly with, the sales numbers, and the traction of ideas and processes and coaching implemented while I’m in the field. It’s one of the best things about being in the field.

customers

Sales and sales training is exceptionally rewarding when you see excited customers walk out with your product! ~ San Francisco

I try to find something really great in every trip I take and sometimes I’m lucky enough to experience all of the above in just one trip!

SF 2

Sometimes you can find the most beautiful views! ~ San Francisco

SF

I love the ‘old’ look of the trolley’s in San Francisco!