Procrastination: A Business Owner’s Number One Enemy Can Be Defeated

Stop Procrastinating
Stop Procrastinating

Lots of people struggle with procrastination. It can get you into a lot of trouble on a personal basis, but when it comes to keeping your business in line procrastinating can lead to absolute disaster. When you have goals that have to be met as an employer you can’t afford to keep putting things off. In fact, procrastinating can literally kill your business. If you ever find yourself struggling to get the motivation up to get through your day you can turn to these helpful tips to keep going and get your business back on the productive track.

Do the Most Difficult Thing First Every Day

The start of the day is when you have the most energy. You have a long list of to-dos, and you know that you probably won’t get to them all. It’s easy to want to “warm up” in the mornings. You want to handle the easy tasks. You check your email, write a simple business letter, and make the easy phone calls. You have a pretty good hour or two, and you feel like you’re already knocking the day out of the park. You’ve gotten so much accomplished! And then you look at your to-do list and all of a sudden it’s full of hard things. You’ve been doing things all morning, and now you have to do these tough things? That’s probably not going to happen.

Break Your Work Into Little Steps
Break Your Work Into Little Steps

That’s why you should always put off the easy things and get those big things out of the way right away. You’re never going to be more ready to handle it than you are early in the day. Once you’ve gotten that out of the way you can reward yourself with those easy things that you can take care of in a couple of hours. Do it this way and you’ll have more energy and get things taken care of much quicker.

Put Yourself on the Clock like Any Employee

Sometimes you can get so caught up being your own boss that you forget that you’re also your own employee. If you’re having a hard time focusing on work when there are so many Facebook games to be played, maybe you need to put yourself on the clock. Give yourself a fair amount of time to get your work done, but not enough that you can slack off. You only have two hours to get through a stack of phone calls and settle all the bills for the past month. Better get cracking, right? By limiting your time like you would any employee’s you’re introducing motivation back into your life. You might need a penalty if that alone doesn’t get you cracking.

Review Missed Opportunities

Organize Your Daily Activities And Get Them Done!
Organize Your Daily Activities And Get Them Done!

This isn’t about beating yourself up for past mistakes. Just because you procrastinated once and it lost you a big client (or something of the sort) doesn’t mean that you have to punish yourself forever. If you find yourself lacking for inspiration and motivation, simply pull out a past mistake. Think of all the extra work you had to do once that bad thing happened. That could have been avoided if you’d just done something up front. If you’re easy on yourself you’ll take this memory as a reminder, not a punishment.

Try to Work a Little Ahead of Schedule so a Slow Day Doesn’t Doom You

The best thing that you can do is do more on days when you have more motivation. You don’t want to run yourself ragged, but if you could put in an extra hour cheerfully one day, do it. That way when you get an attack of procrastination you have a little bit of cushion.

Why You Won’t Need Less Income per Year Once You Retire

Planning Retirement
Planning Retirement
One of the biggest myths that people want to believe about financial planning is that once they’ve reached retirement age, their expenses will drop by 40% and they’ll easily be able to live off a drastically reduced income. It makes a certain amount of sense. Almost all people think that by the time they retire major purchases will be behind them. They’ll sell the big family home they used to raise their children and buy a little country cottage or a small but well-appointed apartment in a condo (whichever suits your style) and they’ll invest in a brand new car in the year or two before they hit retirement. Modest payments and modest living means they can sit back and feel the sun shine on their faces and just enjoy their retirement, right? Unfortunately, it doesn’t always turn out that way. If you’re counting on an instant and sudden drop in your cost of living you may want to reconsider your financial plan. For many people, the years immediately after their retirement as just as expensive as the years before, and some people find that they need more money than ever to keep their comfort level where they want it to be. Here’s why you can’t count on a low income being enough to sustain you in your golden years.

Inflation Will Continue to Rise

First of all, most people plan to be retired for a long time. During this time they’re not going to be earning new income (or not very much), but inflation is going to continue to rise. Everything is going to cost more but your income is going to be fixed. Social security isn’t going to be enough to cover the difference; an appreciable difference in the cost of living happens every ten years, and often much less. When you’re building your financial plan you should be tacking on a hefty inflation increase into every year, just so you can break even with the devaluation of the currency. This is also a good reason why very conservative investment portfolios fail; the most stable and safe investments often barely yield enough returns to cover inflation. If they don’t, you’re actually losing value by having your money in a low return investment.

Golden Years Need Gold to Finance

Enjoy Your Golden Years
Enjoy Your Golden Years
Another reason your cost of living might not fall is that many people want to pack the first few years after retirement with activities. You want to see the world. Take your wife on the second honeymoon she deserves and reconnect with her now that the kids are gone and you’ve made a major change in your life. You want to see the World’s Tallest Tree, go to Paris, and spend warm summer nights in the Caribbean. This is fine, and good, and encouraged, but it’s going to cost money. Many people want to experience these things while they’re as young and healthy as they can. If you have big travel dreams, try to plan your retirement package so that you can continue drawing your salary for the first five years after you retire. Use this time and money to see the things you’ve always talked about seeing. Once you’ve done that, drop your income down to a fraction of what it was and enjoy your happy memories.

Increasing Medical Bills Without Increasing Coverage

Save Money Now.. Enjoy Your Future
Save Money Now.. Enjoy Your Future
Many people assume that the government is going to be footing some hefty tabs as they get older. The truth is that, while the government will cover assisted living and in home care, it will only do so for people with no other assets. Before they step in you will have to drain your accounts and possibly even liquidate assets such as real estate. It can get pretty ugly, and the sad thing is it’s impossible to plan what your future medical needs may be. The best you can do it get a general estimate (ask your doctor about this one, not your financial planner, as much of it is affected by your insurance and local rates) and try to work that into your plan as best you can.

Helping out the Kids

Be there With And For The Family
Be there For Your Family
Of course, the last item on the list that tends to unexpectedly eat up money is having to help out your children or grandchildren. Today’s job market is tough, and it’s lead to a lot of people who did everything "right" (got the education, got the career) winding up jobless for reasons beyond their control. You’re not going to kick them to the curb, so try to build in a cushion so you can be there for them just until they get back on their feet.

The Dangers of Self-Diagnosis

Self-Diagnosis Is Life Threatening
Self-Diagnosis Is Life Threatening
It can be tempting to think that you know what sickness or illness you’ve been suffering with, especially nowadays when you can look up your symptoms any time you want on the Internet and see a variety of plausible-looking results. You might think that it sounds exactly what you’ve been dealing with, but the truth is that it is best to leave these sorts of things to doctors and professionals. It’s their job, after all, and it can be quite dangerous if you go about self-diagnosing and thinking that you know what’s ailing you. If you’re the type of person that likes to look around on websites and try to figure out what you’re dealing with, then here’s what you need to know about why self-diagnosis is a bad thing.

What Constitutes as Self-Diagnosis

You Are Not Your Doctor!
You Are Not Your Doctor!
Let’s say you’ve been having headaches, and you decide to go onto a website like WebMD and put in your symptoms. Chances are that your ailment is something completely innocent like a sinus problem, but WebMD is the equivalent of a high school drama queen that goes for the most dramatic and terrible ailment right away. You’re likely to be told you have a brain tumor if you put in headache symptoms. While this is certainly possible, it is not LIKELY to be what you’re dealing with. There’s no reason for you to start panicking because you think you have a brain tumor just because you’ve been dealing with a few headaches. If you’re dealing with an illness and decide what it is based on your own opinion rather than going to see a doctor about it, that it definitely self-diagnosis and it is not a good thing to get into the habit of doing.

Why It’s Such a Bad Thing to Do

You Need Advice From A Medical Professional
You Need Advice From A Medical Professional
Like we said, medical professionals exist for a reason and that is to provide you the care you need based on what you’re actually dealing with. If you work under the impression that you’re dying because you have had a few headaches, you’re not going to get very far with fixing it. You could wind up taking medicine or taking treatments for a completely wrong thing because you self-diagnosed, and it could really wind up hurting you in the long run. That is why it is so important to go to a real doctor and get a real, professional opinion on your illnesses and ailments.

Seeking out a Professional Opinion

We know that doctors’ visits are nobody’s favorite thing to do, but if you haven’t been feeling well it is just something you need to deal with. Seek out a professional opinion if you think you may be suffering with an illness or if you just haven’t been feeling well. Chances are they will be able to recognize and diagnose it right away, and you won’t need to worry about the possibility of having a serious, life-threatening illness for any longer than you need to. Your doctor will be able to provide you the correct care based on what you’re actually dealing with, so stay away from the risks of self-diagnosis. It just isn’t worth it, and you’re not going to be right most of the time anyway. It’s best to leave it up to the professionals and let them do what they’ve been trained to do.

What to Do When You Find Her Secret Profile on a Dating Site

Online Dating
Online Dating
With hundreds of online dating sites out there, it’s easy to sign up for several of them, and then forget all about them. Sometimes we find ourselves scanning dating profiles for various reasons even when we are already in a relationship. While you may not have any intention of actually meeting any of the women on these dating sites, it can be a huge shock to find out that your lady is using them behind your back.

Don’t Jump to Conclusions

Give Her The Benefit Of The Doubt
Give Her The Benefit Of The Doubt
Seeing your lady’s profile on an online dating site can definitely send your emotions out of control. This is especially true when the two of you are supposed to be in a committed relationship. While your initial reaction after finding her secret dating profile might be to get angry, and to assume that she’s cheating you, you may want to be careful about jumping to conclusions. There could be a few different reasons that she has a dating profile.

Before you go to her and start accusing her of cheating, try to find out how long she’s had her profile. Some dating sites will tell you how long a person has been a member for the site. It’s possible that she made the profile before she even met you, and that she has just forgotten about it. She may also have a dating profile simply because she wants someone to talk to. If she feels like she’s not getting the level of interaction and conversation from you that she needs, she may rely on other men to help her out. If you’re willing to risk it, you can pretend to be someone else and message her to find out what’s she’s looking for on the site.

Be Ready to Explain Yourself

Do Not Pick A Fight You Might Not Win
Do Not Pick A Fight You Might Not Win
One reason why you definitely don’t want to demand that she explain why she’s using a dating site is because she will turn things around on you. Once you approach her with the fact that you found her dating profile, the very first thing she will ask you is what you were doing on a dating site. Many women are notorious for taking the blame off of themselves and putting it on men. If you don’t want to spend the rest of the night explaining yourself, you should already have a valid reason for why you were on the dating site.

The best way to handle finding out that she has a secret dating profile is to stay calm. Don’t mention that you found her profile. Instead, mention the dating site itself. Tell her that you have a friend who keeps talking about a particular dating site. Mention the name of the site, and watch carefully to see what her reaction will be. If she seems nervous, chances are she’s worried about you finding her profile. If not, it’s probably an old profile that she hasn’t used in ages. She may even say something like, “I used to use that site,” which will help to reassure you that she’s not up to something behind your back.

Why You Should Always Buy Games Digitally

Do You Enjoy Playing Games? Of Course You Do!
Do You Enjoy Playing Games? Of Course You Do!
If you’re an avid video gamer, chances are you probably remember the times when games could only be bought in stores, and you might even remember when games were kept behind a counter instead of out on display. These retail boxes frequently featured interesting art, full-featured instruction manuals, and of course, the game itself. If you grew up attached to this method of buying games, the idea of doing something different might be intimidating. However, now that digital games retailers have become quite popular, there’s actually no reason why you should continue to head on down to brick and mortar stores to buy your games. In fact, it’s to your benefit to switch all of your games purchases to an online, digitally downloadable format. Why? There are plenty of great reasons.

Retail Games Can Be in Short Supply

The Old Way Of Buying Games
The Old Way Of Buying Games
Have you ever read one of those news stories about people standing in line for hours just to be able to get their hands on a copy of a game at release? Perhaps you’ve even stood in one of those lines before, or felt the frustration that comes with driving all over town trying to find a store that still has a copy or two of the latest and greatest game in stock. This is one of the biggest drawbacks to buying games in brick and mortar stores: inventory is limited, and supplies can run out. This isn’t true when it comes to digital retailers. Since you’re simply purchasing the ability to download the data from the game, it will always be available as long as you have an Internet connection to receive the download. This means no more worrying about whether or not you’ll be able to play that game on release day.

Retail Stores Never Offer Deep Games Discounts

While you might expect to occasionally see discounts on games in stores, during a holiday, for example, you’re never going to get the kind of deep discounts you can find on games sold digitally. Steam sales frequently discount games upwards of 50% off, and they frequently even offer discounts on brand new games. This is true for basically all digital retailers. You could be saving yourself a ton of money on games by simply buying them digitally for download instead of heading to the store. Not to mention, you’ll also be saving a bundle on gas money.

Digital Games Get Automatic Updates

Get Automatic Updates
Get Automatic Updates
The best part of buying games digitally is the fact that they will automatically update, especially if you are using a platform such as Steam or Origin to purchase your games. When you install a game off of a disc, you’ll probably find yourself in the position of having to manually download and install patches that update the game. When you have a client doing all the work for you, as soon as an update is available, it is downloaded automatically and installed for you with no hassle. This convenience on its own is a great reason why you should switch to buying your games digitally.