Is the market really short on employees, or do business owners just fail to motivate their workers? The idea that nobody wants to work anymore seems impossible, considering people need money to pay bills and live their lives. Yet, business owners and employers continue to complain about the lack of workers. According to the Bureau of Labor Statistics (BLS) 2024 report, there are currently 8.8 million available jobs. Surely the 6.5 million individuals actively looking for jobs could fill at least part of that. So why aren’t they applying? We’ve identified some possible reasons workers continue looking for opportunities rather than committing to a job. 1. Low Minimum WageThe United States Department of Labor set the minimum wage at $7.25 per hour. Workers who get tips need a minimum salary of at least $2.13 per hour, and the tips should make up for the rest of the amount to reach $7.25 per hour. Many workers use money as a strong motivator. But who wants to work for $2.13 an hour? When they feel the compensation is insufficient, they look for better rates from other employers. 2. Poor Employee TreatmentBesides the salary, workers consider how companies and employers treat their employees. They evaluate how employers see them as workers, either through the benefits offered or how they behave around them. Employees prefer jobs with health coverage and sick leave. They avoid bosses who treat them badly. 3. Lack of Self-Fulfillment at WorkMaslow’s hierarchy of needs puts self-fulfillment at the top of the pyramid. Many workers today consider this one of their priorities when looking for work. The newer generation of workers seeks more than “just a job” that older generations have settled for. They prefer a purposeful work experience that leaves them feeling fulfilled, even if it means taking on a gig job instead of one of the 8 million jobs available. 4. High Living Wage CostA living wage is the income a person needs to afford and cover the family’s expenses. Often affected by a person’s current location, an area with a reasonable cost of living settles at a value that makes the family self-sufficient. When the cost of living is too high, workers try to find cities and states with lower costs and higher minimum wages. The difficulty of compromising both values is one reason people claim that people no longer want to work. 5. Toxic Work EnvironmentsMental health plays a huge role in workers’ decisions. A Flexjobs survey shows that 42% of the 2,600 workers claim to seriously consider quitting their jobs, while 20% have already quit due to the toxic workplace environment. Toxic workplace environments can take various forms, such as screaming managers, bullying, unstoppable gossip, and impossible workloads. Some identifiers of a toxic environment include a bad interview process and a high turnover rate. 6. Welfare DisqualificationsWelfare benefits or temporary assistance may be applied for food, housing, child care, job training, and home energy. To qualify for welfare, you must either be unemployed or underemployed. Working a stable job can disqualify some people from the program. This means that some workers are better off when they remain underemployed because they receive more assistance from the government. They may be unable to pay their bills if they start to work more and don’t qualify for welfare anymore. 7. Unfair Job QualificationsCompanies post entry-level jobs online with impossible qualifications that continue to disappoint workers. With qualifications like years of experience and added training, they just choose not to apply. These companies and business owners require more credentials and certificates to avoid the added cost of training their employees. Why spend thousands on training when you can just hire them already trained? This works for mid-level jobs but not entry-level positions. 8. CapitalismYoung workers claim that capitalism is the culprit to all the struggles in today’s workplace. The idea that education and hard work pay off and make dreams come true failed them. Ultimately, current workers often have large student loans and work hard for a below-average wage. They can’t afford a self-sufficient life, much less a home for their family. 9. Need for Flexible EmploymentThe post-pandemic workplace offers so much flexibility that workers don’t want to return to the traditional 8-to-5 working schedule. Today, job applicants consider flexibility one of the major priorities for jobs. Many young workers prefer flexible schedules. They can opt out of the daily commute and work from the comfort of their home rather than following a strict office schedule. 10. Choosing to Pursue InterestsThe ability to pursue one’s interests is one of the awesome reasons people say, “Nobody wants to work anymore.” People would rather do something they enjoy than struggle on the corporate ladder. The mismatch between the cost of living and the minimum wage made workers look into other possible sources of money. With the introduction of other money-making hobbies like vlogging and game streaming, many choose to invest in and earn from their hobbies. 11. Ineffective LeadershipA good leader can motivate employees to be productive and hard-working. An ineffective leader can do the opposite and quickly scare away potential workers. Companies need to train their staff to be leaders rather than just bosses. A motivating and supporting team leader is always better than a supervisor who commands. 12. Labor Intensive JobsMany companies use skill-based job hiring to find high-quality employees. These employees demand high compensation, which companies are willing to supply. However, labor-intensive jobs like food and retail are different. These jobs often compensate workers poorly and don’t offer room for promotions and other career prospects. Young workers don’t want jobs with inadequate pay and fail to appreciate their contributions. 13. Tight Labor MarketIt seems like nobody wants to work anymore, but the reality is that the labor market is tight. With baby boomers retiring, many positions opened up for younger workers. With many jobs suddenly available, the workers now have more power. These young workers can be as picky as they want about which company they work for. 14. Demand for Work-Life BalanceWork-life balance solves the American long-hours working style that often leads to burnout. It gives way to a worker’s other priorities, from family vacations to exploring new hobbies for a healthier and more balanced lifestyle. Millennials and Zoomers follow the work-life balance principle to the t. They look for companies that promote this principle and leave the ones that don’t. 15. Too Much MicromanagementMicromanagement happens when your manager intervenes too much. If your supervisor is a micromanager, it feels like they’re constantly looking over your shoulder to assess your work. The current workforce appreciates a working style that offers more freedom. Jobs that follow a micromanagement system, online or not, disappoint today’s free-loving workers. 16. Mismatch Job Requirements & Worker QualificationsA mismatch in the available jobs and the applicants’ qualifications often leads to unsuccessful job applications. The job market is filled with available work that people are either overqualified or underqualified to apply for. The mismatch between job demand and supply may be one reason why it seems like nobody wants to work anymore. Proper matching is needed to accomplish successful hiring. 17. Traditional Office SetupThe majority of employees say they will switch to another company because of the remote working option offered. However, many companies and business owners still force employees to return to the office, making them turn their backs on these jobs. Besides the flexible schedule, people want a remote working style. With less traffic and micromanagement, many prefer working remotely. 18. Contrasting GenerationToday’s workforce consists mainly of Generation X and millennials, while baby boomers are on their way out and Zoomers are on their way in. The differences across generations have influenced their working principles. Today’s new workforce carries different values and needs, which not every employer grasps. While boomers often believe in building a career in one company and prioritizing their work, millennials and Zoomers don’t want to sacrifice their lives for a job that can easily fire or replace them. 19. Different Work Ethic ValuesValue-driven millennials and Zoomers have started to dominate today’s workforce. Unlike baby boomers and Gen Xers, they prioritize the company’s positive social impact above the monetary value of the job. These young workers strive for more than the basic necessities and demand more meaning in their work. They believe that working is only a means to fund their lives and should not destroy their physical and mental health. 20. Uncompromising Business OwnersThe current workforce requires a unique touch that includes the right salary, flexible working style, and paid time off work to support their work-life balance. Many business owners and companies do not want to compromise with these demands. You can’t tempt millennials and Zoomers with money alone. You need to offer something deeper, whether that’s freedom in their work or activities they can participate in for a social cause. Getting a Job Isn’t Just About Your QualificationsQualifications and achievements have long been considered the cornerstone of professional worth and capability. However, as the job market continues to evolve, these standards are changing. While qualifications play a part in getting a job, they’re not the only consideration. Here’s why your qualifications might not be the deciding factor in your next application. Employers Can’t Find Employees To Fill These JobsWorldwide, there’s a growing divide between the jobs employers must fill and the number of available workers with the necessary skills to do the job. The mismatch often leads to many open positions desperately seeking suitable candidates. Here is a list of jobs that employers struggle to fill. If you have the skills, you might find yourself in high demand. Via https://mylifeiguess.com/reasons-nobody-wants-to-work-anymore/
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Retiring early isn’t just a dream for the few. It’s a tangible goal for those who plan and prepare with dedication. If the thought of hanging up your work boots before the traditional retirement age excites you, here are signs that you might be on the path to early retirement. 1. Exceed Retirement Savings GoalsWhen you surpass your targets for retirement funds, you’re clearly on your path to early retirement. It puts you in a position to comfortably spend on routine expenses, pursue your hobbies, and manage unforeseen situations for a secure retirement. Hitting your retirement goal early sets you on the path to financial independence, making it possible to retire whenever you choose. It also shows your smart planning and commitment to saving have paid off. 2. Pay Off Your DebtsTotal repayment of any outstanding debts is a strong step towards early retirement. Without mortgage or credit card debt, you can relax and enjoy your retirement without financial worries. A debt-free status reflects discipline in managing and eliminating your financial burdens. It ensures that your retirement savings can support your desired lifestyle without having to sacrifice any part of your retirement fund for interest or loan payments. 3. Implement a Solid Healthcare PlanA solid healthcare plan that covers all your needs, even when you stop working, indicates you’re prepared for early retirement. It shows you can handle your medical expenses and are ready for any scenario. Full or partial healthcare coverage adds to your retirement security. It acts as a shield against surprise healthcare costs, one of the biggest uncertainties of retirement. 4. Establish a Plan for Consistent IncomeIt’s wise to keep money flowing in even after you retire. You can rent out (part of) a property, start a small side hustle, or monetize a hobby that you enjoy doing. When you have income in addition to your retirement funds, you diversify your income streams and secure your finances. This can help sustain your lifestyle without dipping into the principal retirement funds too early. 5. Disinterest and Lack of Job FulfillmentIf you lose interest in your job or no longer find it fulfilling, you might be ready to retire early. When daily work tasks become boring or mundane, it might be time to consider stepping away if you have the option. Recognizing these feelings as more than a bad work week means you’re ready to explore what’s next beyond your current job. You could crave new challenges or want to grow in a different direction. 6. Alignment with Your Partner’s VisionAligning retirement plans with your partner is a sign of readiness. A thorough discussion and agreement on post-retirement activities and lifestyle implies you’re both prepared and committed for this new phase. Sharing similar outlooks and goals for retirement makes sure that both parties can transition smoothly into this next stage. It lays a solid foundation for a fulfilling retired life together, free from major conflicts over finances or lifestyle choices. 7. Curate a Bucket List for RetirementPreparing a list of activities you want to pursue during retirement demonstrates your excitement for a life beyond work. Fill your bucket list with old passions and new adventures—retirement’s your time to shine. Curating a list clarifies your retirement vision, making the transition a goal-driven process. Being prepared helps you prepare mentally and practically to achieve your life’s goals. 8. Seek a Fresh Challenge Outside of WorkIf your current role is no longer challenging, you might want to plunge into early retirement. Consider post-retirement activities like new hobbies, starting a business, or learning a new skill—these can provide more engaging opportunities. If you’re seeking personal development outside of professional achievements, don’t be afraid to venture into something new. It proves your drive to achieve and find satisfaction beyond traditional employment. 9. Work-Related Health IssuesChronic stress from work can cause health-related issues, such as tension headaches, chronic fatigue, anxiety, or burnout. These health issues obviously are a strong reason to consider early retirement. Retiring early when you work in a high-stress environment can significantly improve your quality of life. Your well-being matters most; don’t compromise it for your career. 10. Being Ready for a New Life ChapterAre you excited to trade the grind for new experiences? Feeling emotionally prepared to embrace the next chapter shows you’re in the right headspace for retirement. Such readiness involves looking forward to retirement with positivity and open arms rather than fear or apprehension. It indicates a well-rounded financial and emotional preparation for retirement. 11. Financially Supporting Your FamilyHaving more money saved than you need can help you support your family when they need it. It also means you’re on track for an early retirement. Supporting your loved ones financially marks a surplus in savings and fulfills a responsibility beyond your personal retirement needs. This approach shows you’ve planned well and want to account for those you care about. 12. Planning for Social Security BenefitsCreating a retirement plan with social security benefits is a solid financial strategy. It ensures you have adequate funds available post-retirement, indicating preparedness. Understanding the best time to claim these benefits can maximize your post-retirement income. Strategic planning ensures you’re making informed decisions to secure your financial comfort in the long run. 13. Experiencing Professional BurnoutFeelings of burnout (being extremely tired and unhappy at work) could make you think about retiring early. If the exhaustion from your job is overwhelming, it might be a signal to transition to a slower, more relaxed pace of life. A lack of satisfaction or growth signals it’s time for a change. Prioritize your well-being, even if that means saying goodbye to a job that drags you down. 14. Pursue Your PassionsIs there a fire in your soul? The desire to work on passion projects or pursue a second career implies you’re primed for early retirement. It shows eagerness to regain control over your time and prioritize personal interests and fulfillment over monetary gain. Chasing your ambitions reflects confidence in your financial security and a deep understanding of what brings you joy. Early retirement often lets you revisit passions put on hold by work. 15. Dreaming of Traveling or Moving AbroadAre you ready to trade your desk chair for a plane seat? Wishing to travel the world or relocate to a different country are signs you’re open to a major life change. They also demonstrate your desire to explore new experiences in your post-work life. Planning for a dynamic lifestyle suggests you’re financially ready and mentally adaptable to big changes. Adding a grand adventure to your retirement plans is proof of a fearless mind ready for fresh experiences. 16. Build an Emergency FundAn emergency fund is essential for early retirement. It provides a secure financial buffer and prepares you to handle unforeseen situations without dipping into your retirement savings. Having an emergency fund reflects a meticulous approach to financial planning. It shows you’re thinking ahead to protect yourself from unexpected events that could otherwise disrupt your retirement plans. 17. Confidence in Investment KnowledgeWhen you know how to invest and manage a stock portfolio, you can see it as a sign you’re ready to retire early. A strong grasp of mitigating risks and diversifying investments means you’re well on your way to a secure future. Navigating financial markets with ease suggests a high level of financial literacy. This know-how is key to maintaining your wealth throughout retirement and ensuring it lasts a lifetime. 18. Consult a Financial AdvisorSeeking the expertise of a financial advisor validates your retirement strategy, ensuring it’s both practical and enduring. Their professional guidance can tailor your plan for early retirement. Consulting an advisor underscores your retirement readiness. It combines your goals with professional insight to create a robust, future-proof plan. 19. Not Relying on a Full-Time IncomeAchieving financial independence, where you no longer need a full-time income to cover your daily expenses and save for the future, is a milestone in early retirement. Your savings habits and strategic investments enable you to live comfortably without relying on a paycheck. This financial freedom can support your lifestyle without the need for ongoing employment. 20. Join a Community of Like-Minded PeopleConnecting with others who have retired early or are planning to can provide valuable support, resources, and encouragement for a smooth transition into early retirement. Participating in these communities gives you access to a goldmine of advice and tips from others on the same path. It also provides inspiration and success stories about retiring early. Where You Can Retire For $2kAre you looking forward to retirement? While we all long for those days, you may look at your bank account and bills and wonder if they’ll ever come. If retiring in the U.S. feels unattainable, there are options for moving abroad that may be within your budget. Here are 10 Countries Where You Can Retire With $2,000 per Month. Via https://mylifeiguess.com/signs-you-are-ready-for-early-retirement/ The importance of business relationships cannot be overemphasized. In fact, “who you know is more important than what you know” in business. A lot more important. That simple and innocent-looking advice is worth a million dollars. In fact, it should be written with fire across the sky or, better yet, be carved on your office wall with pure gold. Having the right connections is essential to business success, especially if you plan to be extremely successful. Robert Kiyosaki was right when he said, “Your network determines your net worth!” Building a strong relationship is easy but can also be difficult. So here are some practical, actionable tips for building long-lasting business relationships. 1. Keep In TouchIt sounds basic, but we’re starting to forget how to keep in touch because we can simply check out their social media to see what’s going on in their lives. But we have to maintain our relationships. If you don’t talk to someone for months, you’ll fall off their radar, or they may not immediately jump at the chance to help you when you finally reach out to them and ask. To make relationship-building easier, keep brief records of who you have networked with and check in on them regularly. If they’re part of your social media network, keep your conversations going. If they’re colleagues or people with whom you’ve swapped business cards, send an email or make a call every month or so. Check in and say ‘hello.’ If you tend to forget to make – or worse, return calls or emails – use a task management system or calendar to remind you to call or write. 2. Be TrustworthyNever take advantage of people. Never. Don’t even let them think that you’d do so. It’s the quickest way to ruin a good relationship and build a bad reputation that can harm other relationships too. The key to building trust is being honest. When you are willing to forego your own interests to help someone else, they know they can rely on and trust you. Do the right things and be dependable, and your relationships will grow stronger. 3. Develop Relationships Through NetworkingNetworking is the key to building relationships, and you have many options available. You can attend mixers or networking events to meet new contacts. However, networking doesn’t have to be this formal. You can strike up a friendly conversation with someone at the gym or in the grocery store check-out line. As long as you are engaging with other people, you are networking. You never know when you’ll meet new customers or grow relationships with other professionals. Even if you aren’t much of a people person, you can put yourself out there a little bit to make some great contacts. You don’t have to be the life of the party. People would rather you just be yourself. If you’re not comfortable putting yourself out there online, start with LinkedIn. Make sure your profile is up to date, and test the waters to see if you can make any new contacts online. 4. Show An Interest In OthersShowing interest in others is an early step to gaining respect and building a business relationship. One bad attitude to avoid in a relationship is being pretentious. Pretentious people don’t get very far because they always talk about themselves. Listen to what people have to say and show sincere interest in them. News flash: in other people’s worlds, you aren’t the most important person. Accept that. Embrace it. Use it to your advantage. Ask them questions about their jobs, kids, and challenges to build rapport. Another essential thing to note here is that you need to pay attention to what people brought up in discussions to reference it in future discussions. Everyone is impressed when someone shows they’ve taken the time to remember their stories. It shows that you actually care. If you remember that their dog Sparky wasn’t doing well, they’ll be glad that you remembered a few months down the road. 5. Work HardThis is one proven strategy for marketing yourself. People no longer buy knowledge; they buy results. They need you to prove yourself worthy before they invest in you by working hard. Believe me—nobody will have your back or say a good word for you if they know you will not deliver the result. This is also true when it comes to customer retention. If you want potential customers and existing customers to do business with you, you need to build a relationship with them by being trustworthy and providing the best customer service you can. Not only does this improve your customer satisfaction, but it will also grow your business and make it more profitable. 6. Use Your Network to Build New RelationshipsChances are, many of your co-workers, professional partnerships, other small business owners, and even your friends and family members could help each other out – if only they were connected. When you feel an introduction would be beneficial and both parties have agreed, introduce two of your connections to each other and help them build relationships. Be a business matchmaker. Make those referrals. These people will then move mountains for you because they trust you and see that you care about them. 7. Send A LetterWe live in a digital world, and everything is electronic now. Therefore, you can get someone’s full attention by mailing a handwritten note. Think about how someone reaching out to you by mail would impact you. If you just finished reading a good book about an issue you’ve discussed with someone in your network, mail it to them with a note explaining why you’re sending it. Sure, they will appreciate the gift, but the fact that you remembered and reached out will mean so much more. 8. Spend Time With Each Other In PersonThe majority of our connections are virtual, but you can always take your relationship to the next level by meeting in person. You can meet people for lunch or coffee and share business advice and tactics. If you travel regularly, try to nurture your work relationships by meeting with a colleague whenever you visit their city. If that’s not possible, you can use Skype or Zoom to meet “face-to-face” instead of sending messages back and forth. 9. Send Them Interesting LinksIf you come across a link that one of your contacts might appreciate, send it and give them a short explanation of why you thought the link would be useful. You can also personalize this by letting them know how the article or site made you remember them. A point of warning here: do not send too many links to the same person. Remember, you want to maintain a positive relationship. There is a difference between being helpful and annoying. 10. Congratulate ThemIf you learned that one of your connections was recently promoted at work or changed professions, celebrate with them. Send a congratulatory note and ask them questions about the change. This is also a great opportunity to re-establish a lost relationship. Connect with them to catch up on other matters and provide an update on your own status. 11. Do Not Overdo ItThis sounds like a caution. You need to give the people in your network space and room. They are not nurturing a relationship with you alone. So, let them breathe and grow on other things. No one likes to be smothered. Gauge their comfort level and go from there. Your Network Matters More Than EverIf there is only one thing that determines how far you go in life, it’s your ability to build the right network and maintain a good business relationship. The tips mentioned above will help you build strong, mutually beneficial relationships that will open doors you never thought were possible. Improve Your People SkillsHow you interact with and relate to others can impact your success in life and your career. No one wants to work with someone who is negative and always complaining, and no manager wants to hire or promote someone who is rude, temperamental, or unreliable. So, what exactly are these skills, and how do you improve them? It may seem like learning people skills is as simple as socializing with others. While that will help, it will only get you so far. Here are strategies for learning and improving your interpersonal skills. Getting a Job Has Nothing to Do With Your QualificationsQualifications and achievements have long been considered the cornerstone of professional worth and capability. However, as the job market continues to evolve, these standards are changing. While qualifications play a part in getting a job, they’re not the only factor. Here’s why your qualifications might not be the deciding factor in your next application. Via https://mylifeiguess.com/build-great-business-relationships/ How you interact with and relate to others can impact your success in life and your career. No one wants to work with someone who is negative and always complaining, and no manager wants to hire or promote someone who is rude, temperamental, or unreliable. Strong interpersonal skills are just as crucial to your career as technical skills and expertise. They help you navigate the day-to-day tasks, office politics, and team projects you face at work. So, what exactly are these skills, and how do you improve them? It may seem like learning people skills is as simple as socializing with others. While that will help, it will only get you so far. What Are Interpersonal Skills?Interpersonal skills are the personal and social skills we use to interact and collaborate with others, share ideas or information, and avoid conflict and misunderstandings. It’s basically how we connect and form relationships with others. They include soft skills, such as communication, active listening, critical thinking, empathy, teamwork, problem-solving, emotional intelligence, and more. We use these skills in all aspects of life, but they are vital if you want to be successful in your career. Good interpersonal skills can help you be likable and build strong relationships with co-workers and customers, making your job more enjoyable. Employers value staff with people skills because they also help you be a better, more productive employee, which you can benefit from getting promotions, raises, and other perks at work. Here are strategies for learning and improving your interpersonal skills and living a more fulfilling and rewarding life. 1. Change Your SurroundingsA total change in scenery will help you open up your senses and learn from what is happening around you. So, instead of sitting at your desk being aware only of what’s happening inside your brain, go and spend time around other people. 2. People WatchYou don’t necessarily have to jump into conversations to learn interpersonal skills. It’s okay to sit and people-watch for a while and learn from what you see. Look around and listen to what others say, how they say it, and why they’re saying it. Take note of how the other people in the conversation respond. 3. Identify People with Strong Interpersonal SkillsIf you know someone who is friendly and charismatic, and everyone seems to love them, pay close attention to their behavior and words. What do they do differently? What qualities do they have that you admire? 4. Find a Mentor or CoachIt can be hard to learn interpersonal skills alone, so why not find a mentor or coach to work with? They can help you learn how to communicate effectively, how to resolve conflict, and how to build relationships. A mentor or coach can also provide you with feedback and accountability, which can help you stay on track as you work to improve your interpersonal and other related job skills. Having someone guide and support you while learning a new skill can make all the difference. 5. Read Books On People SkillsIf you want to learn how to talk to others at work more confidently, many books will help you do just that. They cover topics from small talk, body language, successfully navigating relationships, public speaking, overcoming social anxiety, and more. A few good examples include Dale Carnegie’s How to Win Friends & Influence People and Leil Lowndes’s How to Talk to Anyone: 92 Little Tricks for Big Success in Relationships. 6. Learn How To Make Small Talk & Get Good At ItMaking small talk with someone shouldn’t be a big deal, yet we often freeze up when faced with it. The best way to learn to be a great conversationalist is to practice your skills with new people. What you talk about doesn’t matter, but choosing a subject you are both interested in is important. (You probably want to avoid politics and religion, though.) Commenting on the weather or asking other people about their day is a great go-to conversation starter. 7. Be Approachable and FriendlyDon’t be afraid to say hello to people and start a conversation, even if you don’t know them. If you have the urge to speak to someone new, just do it! The worst thing that can happen is they give you the cold shoulder and walk away. But who knows? Maybe you will hit it off and become friends. 8. Join a Group or ClubIf you don’t come into contact with many people throughout your day, consider finding a group and joining it. It can be job-related, like a professional association or networking group, but it doesn’t have to be. You could instead find individuals with whom you share the same interest or hobby, like a book club or a sports team. 9. Learn How to Read Body LanguageYou don’t need to be an expert at reading others, but you should know that some telltale signs give people away, especially when they’re not telling the truth. Various studies suggest that up to 90% of communication is nonverbal, so if you can learn to read body language, you’ll have a leg up on your competition. 10. Ask for FeedbackTry different strategies when making small talk at work and ask for feedback, especially from those you already have a relationship with. Ask your colleagues and work friends how you’re doing with your people skills, and keep track of what they say. That way, if anyone gives you negative feedback, you can take the time to self-reflect on why that is happening and change your approach. Stay open-minded about the feedback, and don’t be afraid to ask for clarification if you’re unsure what someone means. You can also ask your friends or family members for constructive criticism or suggestions on how you can improve. 11. Practice, Practice, PracticeMastering your people skills might seem like a no-brainer, but it requires a lot of effort. You have to put certain things in place before you can expect to see any results. If you want to get off the bench and into the game, you need to prove that you’re willing to work just as hard as everyone else. Do you know why salespeople are so good at making sales? It’s because they practice their people skills every day. They know how to read people, and they know how to sell them what they want. To be successful, you need to learn how to do the same thing. 12. Take a ClassThe Internet offers many free classes, workshops, and videos on improving and practicing interpersonal skills. A few suggestions include Developing Interpersonal Skills by IBM and Improving Communication Skills by the University of Pennsylvania, both available for free on Coursera.org. But there are many places to learn new skills for free. 13. Reflect on Your InteractionsReviewing your interactions with others can teach you a lot. Think about the words and phrases you used, how you reacted to the conversation, and your body language. They all affect how the interaction is perceived. Interactions can also reveal what someone is thinking or feeling. For example, if someone is laughing a lot, they may be enjoying the conversation. If someone seems angry, they may disagree with the other person. 14. Keep Track of Your ProgressTo know how far you’ve come, you need a way to measure your growth. Make notes about what people have told you about yourself and compare that list with the original version from time to time. 15. Work on Your Communication SkillsImproving your communication skills will make your life a lot easier. When talking or writing, be cautious of what words you use. Ask yourself if you might be misunderstood or cause confusion; if so, make your message clearer. Non-verbal communication also plays a critical role in your interactions. Experts have found that a larger part of your message is communicated by non-verbal signals like body language, facial expressions, tone of voice, and the pace you speak. These signals reinforce or contradict the words coming from your mouth, and they are hard to fake. 16. Don’t Just Hear, Listen!Effective communication involves much more than the words you speak. There is a big difference between listening and hearing. That is why you should talk less and listen more before you react to anything. Pay attention to what others say, and give them your full attention. Show them you are interested in what they are saying by actively listening and not just pretending to listen while thinking about other things. 17. Set GoalsOne of the best ways to learn interpersonal skills is by setting goals for yourself and taking action to achieve them. For example, let’s say you want to learn to be a better listener. You could set a goal to practice listening to people for 10 minutes daily. As you work on achieving this goal, you will naturally develop the interpersonal skills necessary to be a good listener. 18. Be Patient With YourselfIt takes time to improve how you communicate with others. You can’t expect everything to happen overnight. If this really matters to you, stick with it, and you will continue growing. Success Begins with People SkillsThe better your interpersonal skills are, the more likely you are to be successful in various areas of life, such as your career, personal life, and social life. While this list is by no means extensive, it’s a good start. Pick a few to incorporate into your daily routine, and you will be charming your way to success in no time! The Top Interpersonal Skills You Need at WorkWe need people skills for everything from networking at conferences to interviewing for a new job to advancing our careers. Communicating and working well with your coworkers, customers, and managers can mean the difference between having a successful career and a failed one. If you are looking for a way to stand out during your next interview or want to make a good impression on your boss and colleagues, be sure to focus on the top 10 interpersonal skills needed today. Via https://mylifeiguess.com/learn-interpersonal-skills/ It’s easy to feel like you’re not measuring up to those around you. Everyone else seems to be cruising by, living these Instrgram-worthy lives. But not you. You’re stressed out, eating leftover pizza next to a pile of dirty dishes, wondering if you submitted that report to your boss or not. I assure you, behind the scenes, everyone deals with the unfiltered and unglamorous aspects of life that rarely reach the spotlight. Even though life can be messy, you are doing better than you think. Here are 19 signs to prove it. 1. Your Needs Are Being MetAre you comfortable? Do you have a roof over your head and food in the kitchen? Do you have a regular source of income? Everyone’s lives are different, but if your needs are met and you take proper care of yourself, you are doing well. Take a moment to appreciate it. 2. You Can Take Care of Yourself and Your FamilySure, we eat fast food, mindlessly scroll through our phones instead of sleeping, and that gym bag hasn’t moved in weeks – but caring for yourself goes beyond healthy habits and diets. I’m not talking about bubble baths and glasses of wine, either. I mean the practical things like access to health care and mental health services. If you can afford your prescriptions and regularly get check-ups and dental care, you are doing better than an estimated 112 million Americans who struggle to afford these things. 3. You Have MoneyMoney isn’t everything, but you can’t live without it. Having a steady paycheck and money in the bank means you have stability and security. Even a small savings account can make a difference when unexpected expenses or emergencies happen. 4. You Recognize Social Media Isn’t Real LifeYou may think you are doing something wrong because your life does not look like what you see on social media. But you’re not! What you see about other people’s lives, especially online, is really just the highlight reel. They also face everyday difficulties, struggles, and even moments of despair. But they hide the negatives and only show the world the positives in their lives. Pictures of your stained sweatpants and messy house just don’t get as many likes as carefully curated snapshots where everything is in order and everyone is happy. 5. You Are Making Other People HappyAsk yourself, “Have I made anyone smile today?” or “Have I helped someone?” Successful people always find ways to help those around them. Making someone laugh or improving their mood is a sign that you’re making the world better. You don’t have to be a saint to change reality. Just try your best, be kind, and help people. 6. You Have Real FriendsWhile there is nothing wrong with getting likes and followers online, think about your real friends—the ones who send you gifts or take you out to dinner for your birthday, not just DM “happy birthday” to you. Maybe you can count that number on one hand, but having even just a few people you can always turn to means something. 7. You Know How To Connect OnlineChatting online may seem insignificant, but connecting with people from diverse backgrounds and engaging in discussions shows you are open-minded, comfortable with who you are, and not afraid to share your thoughts with the world. The Internet gives you platforms to express yourself, share thoughts, and connect with like-minded people. You can share your views and maybe even change people’s opinions. If your online interactions lead to positive changes or constructively influence others, it shows that your ideas and perspectives hold weight. 8. You Like YourselfYou know you are on the right track if you genuinely like the person you see in the mirror. No, you don’t have to be perfect to like yourself. Your friends aren’t perfect, but you still like them, don’t you? We all have flaws, quirks, and aspects of our lives that we should work on, but being comfortable in your own skin means you’re doing better than you think. When you like yourself, you’re not seeking validation from others because you’ve already found it within. 9. You Are Working Towards SomethingI know, I know. “Following your dreams” is cliche, but it’s one of the many signs that you’re actually doing better than you think. Working towards a goal isn’t just noble; it’ shows your determination and resilience. You are in charge of your own life, so why wouldn’t you make a plan and follow it to get the results you want? Even if your goal seems far away, you will get there if you persevere. Having a purpose and understanding the direction you want to take in life are crucial indicators that you’re on the right path. 10. You Have Grown Since Last YearTry looking back a year and comparing yourself then with yourself now. Surely, you have grown, even if it’s only in small ways. Baby steps are still steps! When you become aware of your changes, for better or worse, you understand what you need to work on and where to improve. Appreciate every change because, thanks to them, you can move your life in a more positive direction. 11. You Learn From Your MistakesWe all have made the wrong choice at some point and have suffered the consequences. While we can’t go back in time to correct our mistakes, what we learn from our mistakes is what matters. Because, guess what? You will make mistakes in the future, too. But making mistakes drives us to grow. If you don’t give up and stay open to new experiences, it is a sign that you are really in control of your life. 12. You Don’t Stop LearningNo matter what you are learning about—languages, astronomy, programming, or how to make balloon animals—as long as you keep researching and learning, you will continuously develop into a better version of yourself every day. You can learn virtually anything online and explore the world, accumulating knowledge from diverse and talented people. It’s a sign that you are curious and interested in learning, and it contributes to your intellectual growth. 13. You Don’t Let Setbacks Stop YouLife doesn’t always work the way you want it to. But every rejection and setback is an opportunity, even though it may not feel like it. When one door closes, another opens—one that can lead you to a better life and help you discover more of your potential. 14. You Face Your FearsNo one wants to live in fear, but sometimes you have to leave your comfort zone. Everyone has experienced fear of new and unfamiliar things, like the first day at a new job or moving to a new city. You can’t avoid new experiences and challenges entirely. Facing your fears is a sign that you are learning to adapt and become stronger. Plus, you are opening yourself up to so many new opportunities. 15. You Ask Questions About LifeWhen you question and constantly look for new ways to do things, it’s a sign that you’re objective, flexible, and innovative. This personality type makes it easy to face and handle life’s difficulties. Asking questions is also a good indication of leadership skills. You’re not afraid to challenge others, push boundaries, or speak up when others might be too intimidated to. 16. You Are Getting StrongerYou will get hurt, but don’t see this as a negative. Wounds remind us that we are truly experiencing life and are learning how to heal to become stronger. Becoming more resilient and emotionally intelligent shows that you can hold your own and confidently face whatever comes your way. 17. You Know What You Like And Avoid What You Don’tYou’re on the right track when you know what you like and make time for it. It means you’ve ditched the things you don’t like and enjoy life more than dread it. For example, if you sign up for a yoga class and don’t end up liking it, who cares? Try karate or cycling next instead of forcing yourself to do something you really don’t want to do. 18. You’re Not Bothered By Other People’s OpinionsPeople have opinions, and some of them will not align with yours. And that’s fine. The world would be a pretty dull place if we all agreed on everything all the time. If you’re not bothered by other people’s opinions and continue to do your own thing, that proves you are confident and secure with yourself. And if you can listen to and respect those with opposing opinions, this shows your maturity and tolerance. 19. You Don’t Follow TrendsMany people fear being left behind and feel compelled to copy others. If someone has something, they think they must have it too. But not you. You don’t easily get caught up in the crowd. There is nothing wrong with being trendy if that’s who you truly are. But wearing designer clothes or always having the newest iPhone doesn’t make you a better person. You Are Doing Better Than You ThinkYour life, the people in it, and your experiences are uniquely yours. You can’t compare yourself to people who have lived different lives. You have no reason to doubt yourself when you look back at your progress and appreciate how far you’ve come. I assure you, you are doing better than you think. How To Pinpoint Your TalentsLeaning into whatever your strengths are can make life easier and more enjoyable. By identifying your skills, you can make better choices about what career path to take and what sort of life you want to live — be it raising a family on a quiet farm or pursuing a modeling career in New York City. It’s not always easy to recognize what you are good at, though. Learn how to identify your skills with these ten expert tips. Subtle Signs You Are SmartHigh intelligence comes in many forms. It could be an exceptional understanding of things, creativity, logical reasoning, or problem-solving skills. When we talk about “intelligence,” people often see it as book smarts, although there is much more to it. Here are some signs of brilliance or high intelligence you might not know about. Via https://mylifeiguess.com/you-are-doing-better-than-you-think/ Navigating tax season requires a keen understanding of which types of income are taxable and which are not. In 2024, certain types of income are treated differently under U.S. tax laws, making them exempt from federal taxes. Here are the types of non-taxable income and useful tips for each. 1. Gifts and InheritancesGifts and inheritances are often a sigh of relief as they are not subject to federal income taxes. The IRS allows individuals to give up to $17,000 per recipient annually without incurring any gift taxes. Talk to a tax expert to ensure the IRS doesn’t tax big gifts or inheritances you get. If you receive less than $12.92 million in inheritances in your lifetime, you won’t owe federal taxes on them. Check with a tax pro to handle gifts and inheritances over these limits correctly. 2. Life Insurance PayoutsLife insurance proceeds received upon the death of an insured person are not taxable for the beneficiary, providing a significant source of income without tax burden. The tax-exempt status applies to all payout sizes, ensuring you retain the full benefit of the payout. Beneficiaries should verify life insurance policy ownership to maximize these benefits without complications. The policy must not be owned by the insured at the time of death to avoid subjecting the proceeds to estate tax. 3. Municipal Bond InterestMunicipal bond interest remains an attractive income source for investors. If the bonds are issued in the investor’s state of residence, they are exempt from federal taxes and often from state and local taxes. Municipal bonds finance local projects such as schools, highways, and hospitals. They can be a win-win for investors in high tax brackets who seek tax-free income and want to support public initiatives. Before you invest, assess the credit quality of the issuing municipality and consider the transaction costs and potential alternative minimum tax implications. 4. Health Savings Account (HSA) DistributionsDistributions from HSAs for qualified medical expenses continue to be a popular way to spend tax-free on health care. Contributing to an HSA offers a double tax advantage: deductions when contributions are made and tax-free withdrawals for qualified expenses. It’s essential to review the list of IRS-qualified medical expenses and retain receipts as proof of the health expenditures. Doing so ensures compliance and the proper use of HSA funds. 5. Roth IRA WithdrawalsIn retirement, withdrawals from a Roth IRA are tax-free, provided certain conditions are met, such as holding the account for at least five years and reaching 59 ½ years. It makes Roth IRAs a potent tool for retirement planning, granting retirees the flexibility to manage their taxable income. Contributions to a Roth IRA are made with after-tax dollars. While there’s no upfront tax deduction, like with a traditional IRA, the long-term benefits can be substantial. 6. Child Support PaymentsPayments made for child support are not taxable to the recipient nor deductible by the payer. This guarantees that the funds go directly to the child’s needs without tax complications. Recipients should maintain accurate records and documentation of all child support payments. While these payments don’t need to be reported on tax returns (unlike alimony in some cases), it’s still important to record them if you need to refer back to them. 7. Scholarships and FellowshipsScholarships and fellowships for tuition and direct educational expenses aren’t considered taxable income. To retain this exemption, scholarship recipients must use the funds for qualifying expenses like tuition, not incidental expenses like room and board. Recipients should diligently maintain records that state how the funds were used. Doing so prevents their scholarship from being classified as taxable income. 8. Welfare BenefitsGovernment-provided welfare benefits like food stamps or housing assistance do not count as taxable income. To support those in need, recipients must report any changes in their financial circumstances to the relevant agencies to ensure continued eligibility. Welfare benefits aim to provide immediate financial aid and typically don’t have tax implications. However, unemployment benefits are generally taxable, as they are considered income replacement. 9. Gifts from Foreign IndividualsGifts bestowed by a foreign person to U.S. citizens out of friendship or as an expression of courtesy are not taxed. However, if the personal gift’s value exceeds $100,000 in a tax year, you must disclose it to the IRS. If the gift comes from a corporation, you need to report it when it exceeds $18,567 for 2023. If that is the case, it may be wise to consult a tax professional to help you fill out the appropriate forms. 10. Compensatory Damages for Physical Injury or SicknessIf you receive damages as compensation for personal physical injuries or sickness, this amount is not taxable. The exemption from taxes applies specifically to compensatory damages, which include costs for medical care and compensation for the injury. While settlement money is tax-free, punitive damages meant to punish the other party are taxable. To avoid unexpected tax bills and ensure you’re not taxed on exempt portions, seek guidance from a professional. They can help structure your settlement to maximize your take-home amount. 11. Foreign Earned Income ExclusionUnder the Foreign Earned Income Exclusion, Americans working abroad can shield a portion of their income from U.S. taxation. To qualify, expats must either be bona fide residents in a foreign country for an entire tax year or have been physically present in another country for at least 330 full days out of the last 12 months. Afterward, expats may claim the exclusion on their tax returns. This can be a significant tax benefit, but it requires maintaining specific records and meeting residency requirements. 12. Veterans’ BenefitsBenefits received by veterans for education, training, or subsistence are not taxable. Veterans and their families should carefully examine all available benefits. For instance, many are tax-free, which means they provide financial relief without increasing tax liability. Consult with a tax advisor who specializes in veterans’ benefits to grasp the full scope of these provisions. 13. Qualified Public Safety Officers’ Insurance PremiumsCertain insurance premiums paid by retired public safety officers are excluded from taxable income, reducing their tax liability during retirement. These tax benefits apply to specific insurance plans and premiums deducted from retirement plans. Officers can exclude up to $3,000 annually. If you are eligible, remember to coordinate these benefits with your retirement plans. 14. Adoption Assistance Under Employer ProgramsEmployer-provided adoption assistance, including reimbursement of adoption expenses, can be excluded from taxable income. To maximize this benefit, employees should be aware of the federal adoption tax credit limits. It’s also important to know how employer assistance interacts with this credit. Adhere to IRS guidelines to exclude these benefits from taxable income and avoid any possible tax repercussions. 15. Energy Generation IncentivesHomeowners can benefit from certain tax-free state and federal incentives if they install renewable energy systems such as solar panels or wind turbines. These incentives are designed to offset the costs of systems that generate clean energy. Homeowners should research the available credits and rebates to understand their eligibility and the tax implications. 16. State or Local Tax RefundsState or local tax refunds are tax-exempt for individuals opting for the standard deduction instead of itemizing deductions. Those who choose the standard deduction circumvent the need to declare refunds as income the following year. Taxpayers should analyze which option is more beneficial for them each tax year. All deductions and incomes should be taken into account when doing so. 17. Disability Insurance PaymentsWhen premiums for disability insurance are paid with after-tax dollars, any benefit payments received due to disability are not taxed. Be sure to review the taxation of your insurance benefits, as they are taxed when your employer pays 100%. It’s crucial to understand how premium payments affect tax liability on benefits received. It lets you make informed decisions about your insurance purchases. 18. Certain Types of Education AssistanceEducation assistance benefits provided by employers, such as tuition reimbursement, are not taxable up to a certain limit ($5,250 for 2023). If you are a beneficiary of these programs, stay current on any policy changes. The IRS also limits the ability to exclude such assistance from taxable income, so be mindful. It can enhance the value of educational benefits provided by employers. 19. Home Sale Profits (Within Limits)Profits from the sale of a personal residence are excluded from taxable income up to $250,000 for single filers. The amount is up to $500,000 for married couples filing jointly if they have lived in the home for at least two of the last five years. Homeowners should know these limits and maintain records of improvements and sale-related expenses. These records can add to the home’s cost basis and potentially increase the non-taxable profit. 20. Income from Certain Partnerships, S Corporations, and TrustsIncome received from certain partnerships, S corporations, and trusts may pass through to the individual. These pass-through transactions happen without incurring additional federal taxes at the individual level. Recipients should consult tax professionals to comply with IRS rules and understand pass-through taxation and state-level tax implications. Self-Employed Tax DeductionsSelf-employed people like their independence and ability to work when and where they want. But running a business still requires paying taxes. Here are ten essential tax deductions that self-employed people need to know. If you don’t take advantage of these, you may be paying more taxes than you should. Via https://mylifeiguess.com/non-taxable-income/ The shift towards working from home has transformed how we approach our careers, offering unparalleled flexibility but also presenting unique challenges. This transition dramatically affects work-life balance, productivity, and even our mental health. Many grapple with finding the right balance between remote work’s freedom and the potential for isolation and burnout. With the right strategies, you can reap the benefits of working from home while mitigating the downsides. But what are the pros and cons of working from home, and how can you decide if it’s right for you? Pro: Flexibility in Work ScheduleOne of the biggest upsides of remote work is having the flexibility to arrange your hours to maximize productivity. Without adhering to an office’s rigid 9-5 schedule, you can shift your workday to match your personal flow and energy levels. This leads to less stress, better rest, and increased job satisfaction. A flexible schedule also makes it easier to fulfill family responsibilities and personal errands that can be difficult with an inflexible office routine. Having control over your daily agenda is invaluable for achieving a healthy work-life integration. Con: Overworking RisksRemote employees tend to log longer workdays on average without having to adhere to fixed office hours or commute home. While some overtime here and there won’t hurt, regularly overworking can take a major toll both physically and mentally over time. Staring at screens for 10+ hours leads to eye strain, back pain, and other ergonomic issues. It also increases stress, disrupts sleep schedules, and hinders people from carving out time for healthy food prep and exercise. Setting clearly defined work hours and being disciplined to step away from the computer is essential. Regular screen breaks, standing desks, and ergonomic equipment can also offset potential health impacts. However, conscious time management is key to preventing overwork. Pro: Customizable WorkspaceA major benefit of remote work is the freedom to perfectly arrange your physical workspace to suit your needs. You can set up an ergonomic workstation without being bound to a cubicle or shared office with your ideal lighting, temperature, and ambient noise level. This ability to customize also applies to the digital space, with freedom over the devices, operating systems, software programs, and browser extensions you use. By tailoring a home office environment to your exact preferences, you remove workplace distractions and friction that hampers productivity. The comfort and familiarity lead to your working more efficiently. Heck, you can even work remotely while traveling, which many people do. You could be plugging in from a luxury travel trailer as you go on a cross-country trip – the flexibility of your workspace is amazing. Con: Distractions at HomeWhile having flexibility over your home work environment is a major advantage, it can also lead to decreased productivity if you don’t take steps to minimize distractions. When the fridge, TV, pets, kids, household chores, and naptime are just a few feet away, it takes real self-discipline not to wander. Baking a rye sourdough loaf for dinner in the middle of the day? You can absolutely do that before jumping into a meeting. But you can’t make risotto or prepare a five-course meal. Designating a dedicated home office space can help psychologically set boundaries. Noise-canceling headphones and apps that limit access to distracting websites also help you stay focused on work tasks. Ultimately, though, avoiding distractions comes down to self-control. Pro: Global Job OpportunitiesRemote workers who don’t have geographical restrictions can access employment opportunities more easily. Digital connectivity enables them to work for companies located anywhere in the world while living wherever they want. This global job market allows you to find the ideal role that matches your niche skills, career aspirations, and salary expectations. It also provides options to relocate without having to switch jobs. And for employers, the expanded talent pool gives access to specialists that may not exist regionally. Ultimately, the barriers that previously confined candidates and companies to hiring within a local area evaporate with remote work. Con: Lack of Social InteractionWe are social creatures by nature, so the isolation of working alone at home can present emotional challenges for some people. Without the camaraderie of chatting around the office water cooler or going out to lunch with colleagues, it’s easy to feel lonely. Remote workers need to make an extra effort to get social interaction through after-hours video calls with co-workers, attending virtual office events, or joining local networking groups. Having an external professional network is key to avoiding potential feelings of being socially isolated. Pro: Savings on Commute and Dress CodeWorking from home alleviates many daily expenses associated with commuting to a workplace and conforming to a professional dress code. Remote employees can save hundreds of dollars per month by avoiding fuel, vehicle maintenance, public transport, or rideshares. The cost benefits also extend to professional attire. Relaxed or non-existent dress codes allow you to wear casual, comfortable clothing instead of dry-cleaning pressed shirts and suits. This saves you money, time, and effort associated with preparing, commuting, and conforming to office wardrobe expectations. Balancing the Pros and ConsWorking from home offers alluring benefits like flexibility and comfort. However, without proactive strategies, it also poses unique challenges impacting performance and well-being. Achieving work-life balance requires diligent self-discipline when your office is so conveniently at home. But there are things you can do to take advantage of the upsides of remote work. Create an Ergonomic Home OfficeCarving out a dedicated workspace within your home is a vital starting point for effective remote work. Choose a quiet, distraction-free area and invest in ergonomic office furniture and equipment. An adjustable standing desk, quality chair, external monitors, and keyboard allow you to work comfortably for extended periods. Ensure proper lighting, ventilation, and ambient noise levels to encourage focus. Decorate it professionally to psychologically set it apart from living spaces. When everything is neatly organized to support productivity, you’ll be motivated every time you sit down to work. Establish Daily Routines and BoundariesWithout firm boundaries, the office can blend into home life. You need structure. Set a consistent sleep schedule aligned with your natural rhythm and establish a morning routine for waking up intentionally. Maintain regular work hours and break times as if commuting to a corporate office. Resist doing household chores during work blocks and silence personal phone notifications to avoid distractions. At the end of the workday, set a routine for winding down. Changing into loungewear, turning off work devices, and shifting locations help signal closure. Routines and rituals reinforce the separation between work and personal life. Use Productivity ToolsStaying disciplined and connected is much more achievable with the right toolkit catered to your work style. Many apps and gadgets can optimize efficiency when collaborating with remote teams:
While an array of solutions exists for nearly any productivity obstacle faced, be strategic about adoption. Evaluate their efficacy with free trials first, and only utilize technology that serves your unique needs. Working from Home is Awesome, But It’s Not for EveryoneEmbracing the flexibility and opportunities offered by working from home can lead to significant personal and professional growth. Yet, it requires a conscious effort to mitigate potential drawbacks such as isolation and overwork. Ultimately, the key to a successful remote work experience lies in finding balance—leveraging the advantages for productivity and well-being while taking proactive steps to remain connected and maintain boundaries. As we continue to adapt to this new normal, embracing the pros of remote work can create fulfilling and efficient work environments, wherever they may be. Signs Your Home Office Sucks (And How to Fix It)Not all home offices are created equal. While some provide a productive and comfortable work environment, others can be far from ideal, leading to decreased efficiency, motivation, and overall job satisfaction. Here are six telltale signs that your home office may not be up to par and how to transform it. Self-Discipline Tips for Remote WorkersSelf-discipline isn’t about rigid rules or chaining yourself to a desk; it’s about unlocking the freedom to thrive wherever you work. These small habits will help you overcome procrastination and teach you to be more in control when working from home. Via https://mylifeiguess.com/pros-and-cons-working-from-home/ High intelligence comes in many forms. It could be an exceptional understanding of things, creativity, logical reasoning, or problem-solving skills. When we talk about “intelligence,” people often see it as book smarts, although there is much more to it. So, I researched the different kinds of intelligence to crack the code of what it really means to be sharp. Here are some signs of brilliance or high intelligence you might not know about. 1. Highly CuriousHighly intelligent people are likely to be highly curious. They want to know how and why something occurs. Albert Einstein, for instance, was highly curious. He wanted to know about mass and energy and later discovered they are the same thing in different forms. People who are passionate about certain subjects are likely to jump into them and learn more about them. If you look in the mirror and see a naturally curious person, you could be looking at someone with high intelligence. 2. AdaptableHighly intelligent people are quick learners and masters of adaptation. In fact,psychologists have found that individuals with high intelligence can learn from experience and use their knowledge to adapt to new situations. Because of their adaptability, these people can think independently, adjust their strategies as needed, and thrive anywhere. If you see someone who can quickly adapt to change, they are likely highly intelligent. 3. Analytical ThinkingIf you’re an analytical thinker, you’re likely highly intelligent. It means you can break down complex problems into manageable pieces, identify patterns, and draw logical conclusions. With that, you can solve any problem that comes your way, no matter how big or complex it is, meaning you could be more brilliant than you think. 4. CreativeCreativity is not only for artists or kids. Gifted individuals often write, paint, invent new things, or play musical instruments. These activities encourage cognitive development and reinforce skills typically developed in school. Intelligent people broaden their skill sets and expose themselves to new challenges through creative endeavors. They use their creativity to think critically, express their opinions more freely, and solve problems innovatively. 5. Critical ThinkingHigh intelligence is often associated with strong critical thinking skills. Brilliant people can objectively assess information and arguments and distinguish between valid and invalid claims. Simply put, your mind can see through everything and everyone. You know what’s happening around you, making it difficult to fool you. So, if you’ve got everything and everyone figured out, you could be brilliant. 6. Excellent MemoryIntelligent people tend to have exceptional memory skills, allowing them to easily retain a lot of information. They only need a few seconds to recall something, no matter how much time has passed. These people can quickly access relevant knowledge to make informed decisions and solve problems. So, if you notice someone remembering occurrences years ago like they were yesterday, they could be highly intelligent. 7. Effective CommunicationAnother sign of high intelligence is the ability to communicate effectively. That means you can communicate your ideas persuasively and with empathy. Effective communication results in smooth interactions with others. Therefore, intelligent people can foster positive relationships in both their personal and professional lives. 8. Open-MindednessIntelligent people readily engage with different points of view and changing concepts. Simply put, intelligent individuals are open-minded. Their willingness to learn and adjust their views makes them successful. They are open to new ideas and can adapt to evolving circumstances. 9. Knowing Their LimitsHighly intelligent people stick to their limits. They know when to ask for help and recognize their lack of knowledge. It also helps them correctly distribute their efforts and energy and concentrate on what they can do best. They can objectively determine their potential and don’t drain themselves. As a result, they perform more because their energy and resources are focused on improving and speeding up the things they’re good at. 10. Emotional IntelligenceHigh intelligence involves more than logic, creativity, or problem-solving. It also involves self-awareness and the ability to regulate emotions. According to Daniel Goleman’s theory, intelligence has five independent dimensions: self-awareness, emotional regulation, social skills, motivation, and empathy. Therefore, intelligent people don’t just excel at school or the workplace. They deeply understand themselves, know how to manage their emotions, and treat others with respect. 11. Seeing Through PeopleAnother sign of high intelligence is the ability to sense people’s emotions even when they don’t express them outright. You can quickly recognize when someone is going through something, even if they are masking it with a smile. In other words, you can perceive and relate to others’ feelings without them having to say anything. 12. VersatilityHighly smart individuals are versatile. They can quickly switch between thinking styles and behavior. They can seamlessly adapt to various tasks in a work setting and apply different ways of thinking like the flip of a switch. Their adaptability allows them to be highly successful regardless of the circumstances. 13. Attention to DetailIf you see someone who is very meticulous and detail-oriented, chances are they’re highly intelligent. Intelligence often manifests in sharp attention to detail, letting individuals detect subtle patterns, differences, and nuances others may overlook. 14. ResilienceExtremely smart people are characterized by resilience. They have the flexibility to overcome failures and challenges and learn from their setbacks. Resilience means they can recover from difficulties with newfound optimism about their goals. They are confident and uplift others during difficult moments because they believe each failure is a lesson. 15. HumilityDespite their intelligence, truly intelligent individuals tend to be humble. They don’t brag about their intelligence and let their intellect speak. They know their knowledge has limitations, so they seek guidance and feedback from those who know the subject best. They never let pride get in the way of learning more from others. 16. Leadership SkillsHigh intelligence is often attributed to a leader’s ability to inspire and motivate others to achieve realistic goals. An example of a highly intelligent CEO is someone who effectively communicates a clear vision for the future, aligns personal values with the company’s mission, and describes what “success” looks like. They can motivate their employees to achieve truly extraordinary results. 17. EmpathyIntelligent people are empathetic and compassionate people. They share the perspectives and feelings of others. They listen to people and their stories, which helps them make genuine connections. Empathy enables us to provide meaningful advice, comfort, and support when needed, creating a welcoming environment for all. 18. InnovativeIntelligence is often associated with innovation, as smart individuals drive progress and development. They implement revolutionary ideas and technologies. They have exceptional imagination and critical thinking skills, which help them identify the drawbacks of current systems and develop ways to improve them. They transcend boundaries and implement changes as needed. Think of Sara Blakely, Oprah Winfrey, and the people behind them—they’re geniuses. 19. Self-MotivationHighly intelligent people have a strong intrinsic drive to achieve their goals. They are interested in achieving high standards in whatever they do. This makes them persistent and determined. So, if you see someone laser-focused on achieving their goals, you could have met one of the most intelligent people out there. 20. Global AwarenessHigh intelligence is demonstrated through a deep understanding of global cultures, societies, and issues and a keen interest in current affairs. They have compassion for people from various backgrounds and aspire to change the world for the better. You Are Incredibly TalentedYour skillset determines a lot about your life. From the type of job you thrive in, to the relationships you make, it influences the challenges and opportunities you’ll encounter. By identifying your skills, you can make better choices about what career path to take and what sort of life you want to live — be it raising a family on a quiet farm or pursuing a modeling career in New York City. Learn how to identify your skills with these expert tips. Improve Your People SkillsInterpersonal skills are used in all aspects of life, but they are vital for career success. No one wants to work with someone who is negative and always complains, and no manager wants to hire or promote someone who is rude, temperamental, or unreliable. It may seem like learning interpersonal skills is as simple as socializing with others. While that will help, it will only get you so far. Here are more ways to develop and improve your interpersonal skills. Via https://mylifeiguess.com/signs-of-high-intelligence/ Worldwide, there’s a growing divide between the jobs employers must fill and the number of available workers with the necessary skills to do the job. The mismatch often leads to many open positions desperately seeking suitable candidates. 1. Data AnalystData analysts make sense of raw data and use it to help businesses. Day-to-day, they dive into large datasets, turn data into usable formats, and uncover valuable insights to drive business strategies and decisions. The demand for this job is growing as many industries depend on data to make critical decisions. Unfortunately, there aren’t enough people who can do it well. Artificial Intelligence (AI) and machine learning tools increase the need for such talent. 2. Blockchain DeveloperBlockchain developers are needed in many areas. They focus on developing and optimizing blockchain protocols, crafting system architecture, and creating web apps using blockchain technology. These are used in various industries and applications (such as finance, supply chain management, healthcare, voting systems, and digital identity verification) to improve efficiency, security, and transparency. But it’s hard to find people with the right skills for this job. Working in the blockchain industry comes with its own unique challenges. While staying updated with the latest developments can be tough, it offers exciting opportunities for creating new applications or improving existing ones. 3. Cybersecurity SpecialistAs digital threats increase, so does the need for cybersecurity specialists. On any given day, these professionals could install and manage firewalls, implement other security measures, or perform simulated attacks to test system vulnerabilities. All businesses want to protect their data and systems, so there is a high demand for cybersecurity experts. However, finding people who can keep up with the ever-changing cybersecurity threats takes a lot of effort. Success in this field depends on continuous learning and adaptation. 4. Biomedical EngineersBiomedical engineers combine engineering with biological knowledge to create medical advancements. They design biomedical equipment and devices and work with scientists, chemists, and medical scientists to research the engineering aspects of human biological systems. The profession has a tough educational background, so there are relatively few candidates. Continuous advancements in medical technology also decrease the number of professionals with the right expertise. Biomedical engineers often encounter complex rules and guidelines, complicating the hiring process. 5. Artificial Intelligence (AI) EngineerAI engineers are responsible for advancing machine learning and AI applications. Their job includes designing and implementing AI models and maintaining the infrastructure’s performance. However, finding people who can design algorithms and understand neural networks is hard. To stay relevant in this field, professionals must commit to constant learning—a commitment many find challenging. Concerns about the ethical use of AI technology add new layers to the job. 6. Renewable Energy TechniciansRenewable energy technicians frequently install, maintain, and repair renewable energy systems like wind and solar panels. Eco-friendly energy systems are vital in fighting climate change. Despite the growing focus on this issue, there’s a lack of people with the necessary skills for the job. The shift towards cleaner energy sources increases the demand for such skilled technicians. Practical training and education in this field are more important than ever. 7. Nurse PractitionersNurse practitioners are important in healthcare services. Their daily routine includes assessing patient conditions, running diagnostics, and prescribing necessary treatments and medications. This role requires a lot of clinical experience and education, and the work environment is stressful, so it’s hard to find people for the job. Changes in industry trends further complicate the hiring process. Candidates need to be flexible and dedicated to adapting to the evolving industry. 8. Physical TherapistsPhysical therapists help those with physical injuries or conditions. They track the patient’s issues, develop custom treatment plans, and guide patients through exercises to manage pain. However, strict educational requirements and the need for a license make this profession less appealing. The need for emotional support during patient recovery contributes to job vacancies, while the increasing use of remote therapy methods adds to the job’s challenges. 9. Robotics EngineersRobotics engineers create automated systems for various industries. They design and test robots, troubleshoot issues, improve existing technology, and explore new methods of automation. However, many candidates find the mix of engineering, computer science, and math skills difficult. Additionally, the gap between university courses and current workplace needs widens as robotics technology advances. The increased use of AI in robotics makes it even more complex to find the right employees. 10. Software DevelopersSoftware developers code everything from apps to complex systems. They write, test, and debug software to guarantee optimal functionality and user experience. While many aspiring developers are available, it takes work to meet employers’ demands for proficiency in specific areas. Additionally, developers must keep learning to stay relevant in the fast-changing tech world. The shift towards cloud-based solutions introduces new skill requirements. 11. Genetic CounselorsGenetic counselors help people understand genetic disorders. Their job entails analyzing genetic data, interpreting and explaining test results, and providing support and guidance to those with genetic disorders. The profession needs a deep understanding of genetics and excellent communication skills. As genetic testing becomes more common, there will likely be more demand for genetic counselors than available. Moreover, their role in personalized medicine is increasingly important. 12. Information Security AnalystsInformation security analysts protect information in a world where data breaches are common. Daily tasks include planning and implementing security measures, monitoring systems for breaches, and responding to security alerts. Protecting systems requires specific knowledge, which makes the role difficult to fill. Attracting top talent in this high-demand field often requires competitive pay. The increased use of cloud systems, with unique security considerations, adds to the complexity. 13. EpidemiologistsEpidemiologists study disease patterns and causes. They plan and conduct public health studies, analyze data, and communicate their findings to the public, policymakers, and health organizations. The job requires a solid grasp of public health, statistics, and clear communication skills to explain their findings to the world. As people become more health-conscious, the demand for epidemiologists grows, stressing the already limited pool. The rise of data science offers new tools and requires adaptation to integrate these technologies. 14. Market Research AnalystsMarket research analysts help businesses understand market trends and consumer behavior. They conduct research and surveys, interpret data, and recommend how to create targeted campaigns for their products and services. Finding someone with strong analytical skills and creative thinking is challenging. Furthermore, the volatility of markets demands constant adaptations and learning from professionals. Their insights are crucial in guiding companies’ strategic decisions. 15. Speech-Language PathologistsSpeech-language pathologists are healthcare professionals who evaluate, diagnose, and treat communication disorders. They help patients improve their ability to speak, understand, and swallow effectively. These professionals must have specialized training, certification, and emotional stamina. The surge in demand for these professionals, coupled with growing awareness of early intervention for speech disorders, is due to these factors. 16. Health Services ManagersHealth services managers make healthcare facilities run smoothly. They oversee health services operations, manage staff, develop budgets, and work to increase healthcare delivery efficiency. The job requires knowledge of healthcare systems, administrative skills, and leadership qualities. Health service managers navigate constant policy and technology shifts, requiring continuous learning. These shifts make it difficult to hire the right talent. 17. Occupational TherapistsOccupational therapists assess patients’ needs, design therapeutic activities, and help patients learn or re-learn how to accomplish daily tasks. The job requires solid physical and mental health knowledge, rigorous training, and a license, making it hard to attract the right people. With an aging population, the need for occupational therapists rises. 18. ActuariesActuaries analyze financial risk and uncertainty. They use complex mathematical formulas to predict future trends and advise companies on how to minimize risk. Becoming an actuary is challenging, as it involves passing tough exams that take hundreds of hours of your personal time to study. The growing need for financial prediction and risk management adds urgency to fill this job role. Their role is pivotal in supporting sound financial and strategic planning. 19. StatisticiansStatisticians apply statistical theories to solve real-world problems. Their job includes designing data collection processes and drawing conclusions from data sets. They also advise policymakers on turning these insights into actionable, informed decisions. The demand for statisticians is growing due to businesses’ increasing reliance on data and advancing data software. This results in a shortage of statisticians, widening the skill gap. 20. Petroleum EngineersPetroleum engineers create ways to extract oil and gas. They design methods to extract petroleum from deposits below the earth’s surface. The job requires specialized engineering knowledge and a willingness to work in remote locations. The energy sector’s instability can discourage potential candidates who prefer stable industries, which makes the labor shortage worse. Pressures for environmental sustainability add more complexity to this job. Quit Your Day Job and Work at Night InsteadIf you are more of a night person, there are a lot of perks to working at night instead. These roles can pay a little extra, have a lighter workload, and give you flexibility. Here are 33 in-demand night jobs, perfect for night owls. Getting a Job Has Nothing to Do With Your QualificationsQualifications and achievements have long been considered the cornerstone of professional worth and capability. However, as the job market continues to evolve, these standards are changing. While qualifications play a part in getting a job, they’re not the only factor. Here’s why your qualifications might not be the deciding factor in your next application. Via https://mylifeiguess.com/cant-find-employees-for-these-jobs/ When you’re having financial problems, one of the most dreadful and embarrassing realities is when debt collectors begin calling. The late payment reminders and final notices can come from anywhere – bills, credit cards, medical debt, student loans, car payments… anywhere you owe money. While they are annoying, debt collectors are just trying to do their jobs and not make your life more difficult (although it may feel that way). However, some of the tactics debt collectors use are aggressive and intimidating. They usually call at the worst times, catching you off guard. Instead of panicking and screening all your phone calls, learn how to protect your money, your rights, your personal information, and your sanity as soon as you find yourself in a financial mess. If not, you could make mistakes allowing debt collectors to get the better of you. 1. Hang Up the PhoneIf a debt collector calls and you are not prepared to talk to them or are too busy, tell them you are busy. If they do not let you off the phone, hang up. When you aren’t prepared to deal with debt collectors, you endanger your finances. Keeping your future safe matters significantly more than being polite. Trust me, they are persistent people and will call again or send you something in the mail. 2. Say as Little as PossibleBefore you say one word to the person on the other end of the phone, pause and take a deep breath. Ask the debt collectors to tell you about the debt and then ask for a validation letter. You should receive it within five days of the phone call. Never give out any information they can use against you, never acknowledge the debt, and do not make any quick promises to pay. Even if you pay just a little bit, that gives debt collectors the advantage, which can create more problems. This isn’t something that has to be figured out this very second. You can take your time, gather information, and seek advice from a financial advisor or attorney if needed. 3. Know Where Your Finances StandBefore you can address how you will handle this debt, you need to know your overall financial situation. Figure out how much money you make, how much your monthly bills are, the balance owing and interest rates on your debts, and how much you can pay toward your debts. Debt collectors will often be satisfied with some type of monthly payment, but you won’t be able to arrange them if you don’t know what you can afford. Setting up a payment plan that you can’t follow will only result in further debt. 4. Make Sure It’s Not a ScamDebt collection scams are everywhere. They’ll call, text, and email you—anything to get your money. If a debt collector contacts you, always be cautious regarding your finances and personal information. The first thing you need to do is ensure it’s legitimate. Some of these scams look real and have enough of your personal information to convince you even further. You really need to be diligent! Do you actually owe this debt, or is it made up? Is the debt collector sharing their mailing address and phone number with you? Are they pressuring or threatening to have you arrested? And if they are asking you to send them money electronically or gift cards as payment, it’s a scam! 5. Get the Debt DetailsWhile it is possible that you’re getting collection calls for a legitimate unknown debt, chances are you knew this debt existed. Unfortunately, it didn’t just go away; but that means you should have records. Don’t assume that the information the debt collector is giving you is correct, especially regarding how much you owe. Go through your paperwork and bank statements, and collect as much information as you can on your debt. If debt collectors have different amounts than you, contact your credit bureau to report inaccuracies. Errors on your credit report are possible, too, but they can be fixed. 6. Check the Statute of LimitationsDifferent states have different laws regarding the time limit for collecting debts. The statute of limitations is typically 3-6 years but can be as long as 15 years. If enough time has passed, you don’t have to pay the debt anymore. 7. Understand Your RightsBefore talking to a collection agent, know your rights as a consumer – you have a lot! These include the right to dispute the debt, how the collectors communicate with you, and even the right to get them to cease communication altogether. You also have a right not to be harassed, threatened, or abused over the phone. If you receive calls that could be considered threatening, harassing, or abusive, report them to the United States Consumer Financial Protection Bureau (CFPB). Debt collectors have rules to follow, which are clearly explained to consumers in the Fair Debt Collection Practices. 8. Ask For Everything In WritingI get anxious talking on the phone with people I like—I certainly don’t want to talk to a debt collector! Thankfully, you don’t have to. You can request only to be contacted in writing. This gives you time to read everything carefully to make sure you understand it. You also have time to prepare your response this way and aren’t pressured into making any big decisions or commitments. 9. Use Certified MailWhen dealing with collection agencies, only use certified mail with a return receipt. This way, you will have proof that they received the correspondence and a date stamp, which can be vital information. Letters get lost in the mail, and it would be a shame if yours did, especially when dealing with something as serious as debt collection. You can also use certified mail to send cease-and-desist letters if the calls become too bothersome. Debt collectors will also use certified mail to contact you if they are beginning court proceedings. 10. Be SecretiveScammers can easily pose as debt collectors, especially over the phone. Never give debt collectors your personal information, including your Social Security or bank account numbers. If you need to share those numbers, only do so after the debt collector has sent you something in writing and you’ve verified that this a valid debt that they can collect on. You should also never give out any information about where you work, how much you make, and other bills you might have. Debt collectors not only want to collect money, but they also want to collect information that will make it easier for them to get money through lawsuits. For that same reason, do not make any payments with a personal check to protect your bank account numbers. Instead, use money orders or certified checks from a different bank. Doing so makes it more difficult for debt collectors to figure out where you bank. 11. Record ConversationsIf you are worried about harassment or threats from debt collectors, record all your phone conversations with them—but only if it’s legal. Some states have outlawed recording phone conversations, so be sure you have a right to do it. Or, you could just tell the debt collector you are recording them. They won’t know if you really are or if you are bluffing. Doing so can keep debt collectors from being abusive over the phone. 12. Keep Detailed RecordsDebt collection is a legal process. Having detailed records of the collection process can protect you. While you are on the phone with the debt collector, write down the time and date of the call. If you can get the caller’s name and the creditor, record that, too. You should also note what the conversation was about and what the agreed next steps will be. Make sure to keep copies of everything you send to your debt collector, just in case there are any questions or discrepancies in the future. 13. Talk to a ProfessionalDebts and the laws surrounding them are not the simplest things to understand. Getting some professional advice from a financial advisor or a legal expert can help you understand your obligations, your rights, and your options regarding the debt in question. 14. NegotiateOnce you have determined that yes, you do have this debt to pay back, don’t just accept what the collector suggests. Instead, negotiate a repayment plan that works for you. Debt collectors will accommodate reasonable requests, as it’s better to reach an agreement than not get paid at all or have to go to court. 15. Apply for a Consolidation LoanLook into a debt consolidation loan where you can consolidate several payments into one affordable payment. These loans often have low-interest rates, which can help you pay off your debts quicker and prevent debt collectors from calling. You must meet certain standards to qualify, such as having good credit. Therefore, you should apply as soon as trouble begins before your credit report starts to nosedive. 16. Dispute Your DebtYes, you can dispute a debt if it’s not yours, incorrect, or past the statute of limitations. A challenge to the debt within the first 30 days after the initial phone call will temporarily stop collectors from calling. They can only resume contact after investigating and verifying your debt in writing. However, the debt collector can still call you if you do not challenge the debt within that window. 17. Protect Your MoneyAfter some time, debt collectors can move to legal action. Once they file suits with courts, you could have your bank accounts frozen or have payments automatically deducted from your accounts. Some people will take their money out of their bank accounts as soon as debt collectors begin to call. If you don’t have money in your accounts, there isn’t anything that debt collectors can take. However, if you have direct deposit, consider canceling that and finding an alternative for cashing your paychecks. Look into having separate bank accounts to hold your exempt income, like Social Security or disability payments, securely. If you have filed for bankruptcy, let debt collectors know they will not be able to access your money. 18. Consider Your Credit ScoreYou won’t go to prison for having unpaid debt, but you could have difficulty buying a new car or getting credit to buy a home. The magic number for credit reporting is seven years. But, if you have an unpaid tax lien, it could remain on your credit report indefinitely. If you file for bankruptcy, that financial event can stay on your credit report for up to 10 years, depending on your state. Coming to an agreement and paying off the debt will help your credit score over time. 19. Stay VigilantEven after the debt is resolved, you need to stay on top of your financial situation. Doing so can prevent future issues from arising, such as facing collections again or having this debt resurface when it shouldn’t still be lingering. 20. Do Nothing (Carefully)If you don’t mind getting calls, you can simply wait until the debt drops off. As mentioned, there are statutes of limitations on debt collection, so creditors and debt collectors will stop calling after a while. It can take several years for this to happen, though. However, if the debt is excessive or you have put up collateral, you will likely have to make some payments or eventually face court action. So, if you decide to go this route, make sure you understand the potential consequences. They could be quite serious. Get Rid of Debt Collectors for Good with These Simple StepsDealing with debt collectors can be stressful. Before speaking with them, verify that the debt is legitimate and understand your rights. Doing so will help you confidently work towards resolving the debt with as little stress as possible. Don’t let debt collectors intimidate you. Arm yourself with knowledge and take control of the situation and your financial future. Are You in a Financial Mess?If you think you are the only one struggling financially, you are wrong. Millions of people struggle with their finances every day. Yes, it’s stressful and makes you anxious all the time, but you have to take control of it because no one will do it for you. Here are some tips and tricks that can help you get out of your financial mess. Expert Tips to Get Out Of DebtDealing with debt can feel like a hopeless situation. You try your best to make payments, but interest charges eat up all your progress. The next month, you’re back to square one. Does this sound familiar? Don’t worry: You don’t have to be stuck with debt forever. We consulted several experts and obtained their best tips for getting out of debt. Here’s what they had to say. Via https://mylifeiguess.com/outsmart-debt-collectors/ |
ABOUT USMy Life, I Guess is a personal finance and career blog focusing on what it's like being in debt, living paycheck to paycheck, and surviving unemployment. We also offer advice and support for others in similar situations - including a FREE library of career & job search resources. We help others find jobs, facilitate career changes, and learn about money and self-care. Follow for financial tips, career tips, personal development, and more. Archives
April 2023
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