A lot of parents aren’t comfortable with the idea of their children traveling abroad, particularly if they plan on going alone.
They think it is unsafe and simply a waste of time and money. It may potentially take away their focus on what’s really important in life, like education and career.
However, you and I know that traveling is actually one of the best ways to learn and grow.
By going on a solo travel, you encounter new and diverse experiences that are not always comfortable. It forces you to take responsibility for yourself and grow into your own being.
Even research has shown that students who have taken a year off to work, travel and explore other interests are now being recognized by universities like Harvard and employers as valuable in helping students be more successful in their lives, studies and careers.
So, what can you do to get your parents to allow for this to happen?
Do your homework and share your plan
You need to have a plan to prove that you have really thought this through. Ask yourself the following questions:
All these questions are important for you to answer as it’ll demonstrate you have done your research and know what you are doing. Try and tie it back to how it can help with your career goal and how it can give you a competitive edge in the future. Show them how you are going to be financially responsible and pay for the trip and support yourself.
Back up your research on the benefits of traveling and working abroad
Help them see how traveling will contribute to building your resume and your life skills. Use the information I provided to you in the introduction to share with them time has changed.
Nowadays, employers and schools value individuals who know how to work with diverse people. They favor those who can speak more than one language and are able to think outside the box. Find more examples on Google that further backs this up.
Share examples of other family friend’s children who have traveled on their own
Our parents often like to compare us with their family friend’s children and use them as examples, saying we should be more like them. You know how they always say, “Did you hear about so and so… Why not do the same? Did you hear so and so just got back from Europe and because of his/her experience got a job working for xyz or got into the xyz university?”
So, who do you know have been able to convince their parents to let them go travel on their own and came back more successful? Call them up and find out how they convinced their parents. Ask what have been the biggest reservations their parents had to let them go off on their own.
Even if you don’t know of anyone, ask around. Expand your network and find someone who have gone through the challenge you are facing and get some advice from them.
Reassure them you will stay in touch
One of the biggest things our parents worry about is our safety. They worry that they are not able to protect you and care for you when you are so far away.
The reality is bad things can happen just as easily if you were to stay at home. Also, they won’t be around forever to protect you. Nothing lasts forever in life and what happens around us is out of our control.
The only thing we have control over is how we choose to prepare and respond to what goes on in our lives. So, give them as much information as you can about where you will be staying or where you are going to be. Work with them to agree on how often will you check in and stay in touch with them by Skype, phone or email.
After all, the only way you can learn how to manage ‘life’ on your own and thrive is if they give you the opportunity to spread your wings and face new experiences in life by yourself.
Be patient and don’t give up on your dreams
Know that there is always a way. Be patient, gentle, and persistent. Be willing to compromise if you must.
So, maybe instead of traveling on your own, you agree to join a group or a youth exchange program organized by the government. Check out Go Overseas to find reliable information about various programs abroad.
Ultimately the decision lies within you. It is your life. Don’t waste it on living out someone else’s.
The post 5 Tips to Convince Your Overprotective Parents to Let You Travel Alone appeared first on Dumb Little Man.
Each side of the brain performs certain functions.
The right side focuses on the visuals and the “big picture” of something. It’s the side from which creative thought springs. The left brain, on the other hand, is the linear, detail-oriented, and logical part.
Many people tend to have a left or right brain dominance which is a factor in what they might choose for their life’s work. With that, an artist would never consider accounting for a career and vice versa.
The brain works best, however, when both sides are activated and involved in learning and activities. When both sides are engaged, neural connections are made and that allows them to work better.
Here are 10 simple exercises anyone can do to develop both sides of the brain
Visualization and Hands-on Activity Together
Visualization is a right brain function. If nothing is done beyond that, the left brain will not engaged.
To engage both sides, take up a hands-on project of some sort- perhaps making some shelving or creating your own garden. Let your right brain visualize the end product. Then, engage the left brain by identifying all of the steps necessary to complete the project.
Some board games will engage both sides of the brain because there is a visual component to the game and also a strategic element. Chess and checkers are excellent examples of these types of game.
Players must keep in their heads the visual of the entire board while developing strategies for their moves. Sometimes, they have to come up with several moves in advance. Jigsaw puzzles offer the same coordination.
Learn How to Play a Musical Instrument
Playing musical instruments is very much a right hemisphere activity. However, learning placement of the fingers to achieve certain sounds and reading music engages the left hemisphere.
Set Up a Physical Environment that Engages the Other Hemisphere
If your work primarily involves left brain activity (bookkeeping, report writing, law research, etc.), set up physical space with art that reflects nature and music of different varieties. Having those things around allows the right hemisphere to engage, too.
Learn to Juggle
Juggling requires eye-hand coordination and forces both sides of the brain to work together.
Practice the Colored Pen Exercise
Take several pens of different colors and use each one to write the name of a color. However, the color name written must be different than the pen’s color. Now, instead of reading the words that are written, state the color. Your right brain sees the color, but your left brain must engage to remember not to read the word.
Practice using your non-dominant hand throughout the day
This will offset the habit of using one side of your brain more than the other.
Use Mind-Mapping Tools for Projects
A mind map is a visual representation of the components of a project. Creating one stimulates the creative brainstorming and visual strength of the right brain. But words must be inserted into the map and then they must be organized into categories – a left brain activity.
There are many free apps for the creation of mind maps and they are actually great starters for project work.
Find Apps That Will Force Hemispheric Cooperation
There are loads of apps to test brain skills and many of them will force both hemispheres into action. A good example is the color tile moving game.
Players must move tiles to create a color palette – easy enough until the added caveat of only having a certain number of moves in which to do it. Then, the left-brain strategy must kick in.
Solve Math Problems in Multiple Ways
Solving algebraic equations is a linear brain function. Drawing pictures of equations takes those math problem over to the right hemisphere. This works for ration and proportion, percentage, rate, and time mathematical computations, as well.
The more connections made between the two brain hemispheres, the better problem solvers and innovators we become. Taking the logical, linear, detail-oriented cognitive functions of the left and being able to massage and manipulate them with the more creative, big picture of the right is something we all should strive for.
“Don’t wait until you reach your goal to be proud of yourself. Be proud of every step you take.” ~Karen Salmansohn
One of the greatest ironies of being human is that we’re often hardest on ourselves right when we should be most proud.
Let’s say you finally find the courage to start a dream project you’ve fantasized about for as long as you can remember. You push through years of built-up fears, overcome massive internal resistance, and take the leap despite feeling like you’re jumping through a ring of fire, above a pit filled with burning acid.
It’s one of the most terrifying things you’ve ever done. It dredges up all your deepest insecurities, triggers feelings you’d rather stuff down and ignore, and brings you face to face with the most fragile, vulnerable parts of yourself.
The fact that you’re even willing to take this risk is huge. Monumental, really. Just getting on this long, winding path is an accomplishment worth acknowledging and celebrating. Most people avoid it. They do what they’ve always done and remain stuck in discontent, wishing they could know a life less limited.
But you? You’re trying. You’re taking a chance at being who you could be, knowing full well there are no guarantees. You’re a f*cking rockstar. A total badass for giving this a go. But you likely don’t see it that way.
You likely think you’re not doing enough, or doing it fast enough, or doing it well enough for it to count. You might get down on yourself for not learning more quickly, or having a perfectly honed vision and plan from the start.
Instead of giving yourself credit for every inch you move forward, you might beat yourself up for not leaping a mile.
Or maybe you’re not pursuing a dream for the future. Maybe you’re facing a pain from the past.
Let’s say you’re finally leaning into your anxiety or depression instead of numbing your feelings with booze, food, or any other distraction. Perhaps you’re in therapy, even, trying to get to the root of your complex feelings and heal wounds that have festered, untended, for years.
It’s intense, draining work that few can understand because there’s no visible representation of just how deep your pain goes. No way to fully explain how tough it is to face it. No way to show how hard you’re trying, every day, to fight a darkness that seems determined to consume you. So on top of being emotionally exhausted, you quite frequently feel alone.
Just acknowledging the pain beneath the mental and emotional symptoms is an act of immense bravery. And allowing yourself to face it, however and whenever you can—well let’s just say they should give out medals for this kind of thing. You’re a f*cking hero. A total badass for doing the work to save yourself. But you probably don’t see it that way.
You might think you aren’t making progress fast enough. Or you’re weak for having these struggles to begin with. Or you suck at life because sometimes you fall back into old patterns, even though on many other occasions, you don’t.
Instead of giving yourself credit for every small win, you might beat yourself up for being a failure. As if nothing you do is good enough, and you’ll never be good enough, because you’re not perfect right now.
Because if it’s not all happening right now—the healing, the growth, the progress—it’s easy to fear it never will. And it will be all your fault.
If it seems like I’m speaking from personal experience, that’s because I am.
I followed a decade of depression and bulimia with years of self-flagellation for not healing overnight and magically morphing into someone far less fragile.
I responded to childhood trauma by abusing myself for acting insecure and emotionally unstable, even when I was actively trying to learn better ways to live and cope.
And I crucified myself for every cigarette and shot when I was trying to quit smoking and binge drinking, even though I quite frequently went long stretches of time without doing anything self-destructive.
Through all this internal whip cracking, I consistently reinforced to myself that I was weak for not changing overnight when really I should have acknowledged I was strong for making any progress at all.
It was like I was watching myself treading water, with broken limbs, while screaming at myself to hurry up and get stronger instead of throwing myself the rope of my own self-encouragement.
In retrospect, this makes sense. This is how most of us learn growing up—not through validation but punishment. We far more often hear about what we’re doing wrong than what we’re doing right. So instead of supporting ourselves through our deepest struggles, we berate ourselves for even having them.
Though I’ve made tremendous progress with this over the years, and I’m no longer in crisis, I still find myself expecting instant perfection at times.
I’m currently pushing myself far beyond the edge of my comfort zone—so far I can’t even see it from where I’m precariously floating.
I’m writing more here on the site after years of working through an identity crisis I’ve never publicly discussed.
I’m trying to get funding for a feature film I wrote, with themes that are deeply personal to me, knowing the “low budget” is still no easy amount to raise, and I might fail spectacularly.
I’m working on multiple new projects with third party companies—something I’ve avoided in the past because I’m a control freak who doesn’t easily trust others to take the reins.
And I’m doing it all while pregnant—six and a half months to be exact—at almost forty years old. So on top of all the usual fears that accompany big risks and changes, I’m juggling your garden-variety new parent concerns, with a few geriatric-pregnancy-related worries for good measure. (Yes, geriatric. My uterus could be a grandmother!)
I’m pushing myself into a new league, far outside my little work-from-home introvert bubble, while frequently feeling both physically and emotionally exhausted. I’m finally giving myself the leeway to evolve after years of saying I wanted to grow but refusing to let go of my comfort to enable it. And really, I should be proud.
Every time I take a meeting when I’d rather do only what I can accomplish myself, every time I send an email for a new opportunity when it would be easier to passively wait for whatever comes to me, every time I push myself to be the brave, fulfilled person I want to be for both me and my son, I should throw myself an internal parade. A festival complete with a float in my own image and endless flutes of the best champagne. (I know, I’m pregnant, but it’s internal, remember? Keep the bubbly flowing!)
But do I do this? To be fair, yes. Sometimes I do. And I’m proud of myself for that. I’ve come a long way from the self-abusive girl who only knew to motivate with intimidation and fear.
But other times I can be pretty hard on myself. It’s like I have this vision of how this should all work, and when, and I blame myself if I can’t meet my rigid expectations on my ideal timeline.
I don’t always step back and see the big picture: That there are many external factors I can’t control, and I need to be adaptable to deal with them. That it’s hard to learn new things, and no amount of willpower or dedication can make the process instant. That some things simply take time, and this isn’t a reflection of my worth or my effort.
I get impatient. I get frustrated. I get anxious and resistant.
And really it all comes down to attachment. I resist this slow, uncertain process, and bully myself into making things happen more quickly, because I want these things so bad I can taste them, and I fear they may never happen at all.
I want the freedom these new opportunities could provide. I want the creative fulfillment of bringing my vision to life. I want the things I tell myself I should have made happen years ago, and I want them now so I can focus on the joy of attainment instead of beating myself up for having “wasted time.”
But none of this internal drama is useful or productive, and it certainly does nothing for my motivation or focus. It’s nearly impossible to create from your heart when it’s totally eclipsed by anxiety and fear.
The only way to do anything effectively is to accept where you are, let go of the outcome, and throw yourself into the process.
So going forward, when my mind tries to bully me into doing more than I reasonably can or shame me for my pace or my progress, I’m going to remind myself I’m doing better than I think. We all are. And we all deserve more credit than we likely give ourselves.
We all deserve credit for facing our demons, chasing our dreams, and showing up every day when it would be easier to hide.
We all deserve acknowledgment for every tiny step forward, no matter how slow or timid, because creating change is hard.
We all deserve recognition for the many internal hurdles we overcome, even though they’re not visibly apparent to anyone else, because often they’re harder to tackle than even the most challenging external obstacles.
And we all deserve the peace of knowing that who we are right now is enough. Even if we have room to grow, even if there are things we’d like to achieve, we are good enough just as we are. And it’s okay to be right where we are.
It’s okay to be messy, inconsistent, and not always at our best. It’s okay to feel insecure, unsure, lost, confused, and scared. It’s okay to make massive advances on some days and just get by on others.
Would it be nice if we could instantly transport ourselves to the idealized future we see in our heads? Sure. But that’s not really what it means to “live our best life”—despite what our YOLO-promoting culture would have us believe.
Living our best is embracing what is, while working to create what can be. It’s doing the best we can with what’s in front of us, and accepting that nothing else is guaranteed. Because this is the only moment we know for sure we have.
I don’t know about you, but I don’t want to get to the end of my life and realize I missed most of it because I always felt it needed to be more—and that I needed to be more—to fully appreciate and enjoy what I had while I had it.
So today, I’ve decided to be proud. Of my strength, my efforts, my progress, and the fact that I keep going. Whether I’m wounded, weary, or worried, I keep getting back up. I keep moving forward. I keep evolving. I am doing the best I can. And so are you.
About Lori Deschene
Lori Deschene is the founder of Tiny Buddha. She’s also the author of Tiny Buddha’s Gratitude Journal and other books and co-founder of Recreate Your Life Story, an online course that helps you let go of the past and live a life you love. An avid film lover, she recently finished writing her first feature screenplay and is in pre-production now.
The post We Keep Going, One Tiny Step at a Time, and We Should Be Proud appeared first on Tiny Buddha.
You can expect Medicare to change each year. Premiums, deductibles, and copays are just some of the changes that have recently occurred when January 1st rolled around. Other changes dealing with plans and their benefits could happen from year to year.
This year, Medicare, of course, updated prices. They also did other things, like allowed new benefits, discontinued plans, and got with the 21st century in terms of technology.
Here are some of the main changes in Medicare this 2019.
The Donut Hole Got A Little Less Scary
Many beneficiaries dread entering the donut hole because the cost of their prescriptions increases so much. However, in 2019, you can breathe a little easier.
Although you will always have some expenses in the donut hole, you won’t be paying as much per drug while in it. In the 2018 donut hole, you paid 44% for generic prescriptions and 35% for brand-name prescriptions.
In the new and improved donut hole, you’ll pay 37% for generic prescriptions and 25% for brand-name prescriptions.
Medicare Advantage Plans Offer New Benefits
Medicare Advantage plans are required to offer at least as good as coverage as Original Medicare does. However, that’s not to say that they can’t offer additional coverage or extra benefits.
Medicare Advantage plans offer extra benefits like dental, vision, and even drug coverage. In 2019, however, Medicare Advantage plans include some supplemental home health care as an added benefit. This may include things like adult daycare services, transportation to medical appointments, home modifications, and even in-home meal delivery.
Not all Medicare Advantage plans will offer these new benefits right away. However, if all goes well, perhaps more plans will offer them next year.
Most Medicare Cost Plans Will No Longer Be Available
Medicare Cost plans were available in areas where the Medicare beneficiaries didn’t have at least two competing Medicare Advantage plan options. Since the start of Medicare Cost plans, Medicare Advantage plan availability has increased astronomically.
Because there are plenty of Medicare Advantage plans to choose from in most areas, Medicare Cost plans won’t be available in those counties anymore. Medicare Cost plan beneficiaries were able to enroll in either a Medigap plan or Medicare Advantage plan, return to Original Medicare, or be auto-enrolled into a Medicare Advantage plan set by the carrier to take over care.
The Return of A Special Open Enrollment Period
Medicare has brought back the “try it before you buy it” feature of Medicare Advantage plans. This is where you can enroll in a Medicare Advantage plan during the Annual Election Period (AEP). If you don’t like it after using it for a little bit, you can change out of it during the Open Enrollment Period that has been brought back.
This Open Enrollment Period begins January 1st and ends March 31st. This is a great little window because in the past, once you enrolled in a Medicare Advantage plan during the AEP, you were stuck in it until the next AEP that was a year away.
Now, you can make a change from one Advantage plan to another or disenroll from a Medicare Advantage plan and return to Original Medicare.
The First Ever Medicare App
Medicare bounced into the 21st century by launching their first-ever smartphone app. It’s called What’s Covered. This app is self-explanatory – it tells you what is covered by Medicare.
Because Medicare doesn’t cover every medical service under the sun and the ones they do cover can come with some restrictions, it’s nice to know that wherever you are, you can check your phone to see if Medicare will cover your procedure.
More Changes to Come
Times are always changing and so it’s important for Medicare to adapt accordingly. With that said, you should expect Medicare to change every year. This year, we lost two Medigap plans.
Medigap Plan F and Plan C wouldn’t be plan options for new Medicare enrollees as of 2020. For those who either have one of these plans or are eligible for Medicare prior to 2020, they will continue to have these plans as options. New enrollees, however, will not.
Sometimes, there are major changes that affect all Medicare beneficiaries. Some are minor, some are good and others aren’t so great. That’s why it’s important to learn the changes that are being made to Medicare every year.
Your wedding day and the preparations before it are obviously going to be extremely taxing and troublesome. Not only do you have to channel your thoughts and try to get them on paper, but you also have to be responsible for handling several tasks at once. With many guests coming over to your marriage, it can be relatively easy to mess up and get the whole thing wrong.
While looking over all affairs before the marriage is quite taxing in itself, the problems can further exacerbate if you’re an introvert and don’t like socializing much. You now have to meet, greet, talk to, and be courteous with strangers that you aren’t comfortable with.
Knowing the problems that most introverts go through while planning for their marriage, we have made a list of wedding ideas for introverts you can use when making plans. From the jewelry store to the wedding vows, this list will help you plan accordingly.
It is imperative that you realize the importance of planning a wedding that is in congruence with what you want. Do not succumb to ideas that others have and end up messing up your own thoughts of an ideal marriage.
Consider a Casual Celebration
Rather than having a grand and exuberant event, you can celebrate your marriage in a casual manner. Things that you would have to change for hosting a casual marriage are:
Keep Bridal Parties Small
The last thing an introvert bride should be made to handle is preparing a bunch of other women alongside her for her special day. Big bridal parties can often be a hassle to manage.
Looking after all the girls, fixing their hair appointments, trying to find the same dress for everyone, heading to the jewelry store for jewelry with everyone, and keeping everyone in check are just some of the responsibilities that fall on the shoulders of a bride with a huge bridal entourage with her.
Now, rather than burdening yourself with this pressure, you can go for the safer and more reliable option of a smaller bridal group. Nobody wants the extra chaos, so just surround yourself with the people who truly matter to you.
See Each Other Before the Vows
Introverts don’t really resonate with the idea of seeing their bride or groom only when they walk down the romantic aisle. While this notion is fairly popular and it is considered extremely romantic, there isn’t much harm in suggesting that you would want to meet your spouse-to-be beforehand.
You can plan a private first look event before the actual ceremony begins. That way, you’ll be more comfortable and in your groove. Meeting your spouse-to-be before the event might also help loosen the nerves a bit since both of you will understand each other.
We cannot help but focus on how important it is for introverts to avoid being the center of attention at all times. They don’t like seeing everyone focused on them or being prominent, which is why the thought of a wedding scares them.
The most intimidating part of the wedding, for any introvert, has to be the process of taking their vows. The process is further exacerbated by the fact that they have to stand in front of everyone and be the literal center of all attention while their legs tremble.
You can avoid all those things if you decide to have your vows while seated with your husband or wife-to-be. The couple should discuss this proposition beforehand so that they are on the same page on the day of the wedding.
Plan Activities Other Than Dancing
Hitting the dance floor is perhaps the most dreaded part for the introverted bride or groom and for the introverted audience as well. While there isn’t any issue with moving to the beats of your favorite song, you would be better off seated at the table and ignoring everyone around.
So, if you’re an introvert, the best you can do is to plan for the other introverts present at the wedding. Have multiple table games set up for anyone who isn’t looking to dance in the limelight. Make sure that everyone is comfortable in their skin and that you, too, are enjoying the evening.
Set up a Quiet Area
The dance floor with all the hubbub and commotion isn’t the perfect spot for you to be at. You’d soon get tired of the random requests for a dance and everyone being fixated at you, so the only good thing to do is have a separate quiet area set up away from the dancing floor.
This quiet area can be set for small conversations between people who’d rather not dance. If all goes well, this area would be more likely where you’d spend most of your time at. You’d even get to meet and greet more of your guests here than on the dance floor where noise can be a distraction.
Have a Special Spot
An introvert bride or groom would be dying to meet their special person, their now partner for life, in solitude just after they have taken the vows. Expecting this, you can have a pertinent special spot for the two of you, near the main sitting area. It can be a room or a secluded area outside of it, but regardless it has to be a place where you can just go and cozy up with your loved one.
This meeting will give you a secluded spot to go to, rather than awkwardly looking for a place to chill with your significant other at your wedding, which is literally impossible.
Having heard from couples, we can tell how hard it is to sneak in a minute of secluded time with your special one in a crowded wedding setting. So, plan for yourself accordingly and enjoy your wedding the way you would want to.
See Also: 5 Tips for Creating A Wedding Budget
The post Wedding Tips for Introverts Planning Their Wedding appeared first on Dumb Little Man.
You may or may not have heard of CFD in regards to trading. However, they can be a valuable resource in the financial world. If you’ve never heard of them, this is for you. What is CFD? We’re going to cover the answer to this. Additionally, we’ll talk about how trading works, costs, and benefits.
CFD is short for Contract for Difference. This is a flexible financial market or instrument that allows traders to participate in several different markets. You can speculate on whether or not the global financial market’s values will rise or fall and trade accordingly. This market includes things like shares, commodities, treasuries, currencies, and indices.
You’re able to quickly and easily sell (go short) if you think the market’s prices are going to drop, or you can buy (go long) if you think the market’s prices are going to rise. Additionally, CFDs are tax-efficient in the United Kingdom, and you’re able to use any CFD trades to hedge your existing portfolio. However, they don’t exist in the United States.
How CFD Trading Works
If you’ve never traded CFD accounts before, you want to find a broker that is open and friendly to beginners. If you need a broker, easyMarkets is an example of a beginner-friendly broker. You may want to take a look and make your first few trades here.
When you trade CFDs, you don’t sell or buy any underlying assets like you would with normal trading. There’s no commodity, physical shares, or currency pairs involved. Instead, you’ll buy and sell a number of units for the particular market you want to trade in. You could choose currencies or treasuries, or there are other markets available.
Additionally, there isn’t a maximum or minimum amount of CFDs you can get at one time. Unlike standard trading where you have to buy a minimum of 500 or 1,000 shares, you can buy a single share with CFD trading. This makes it very accessible for beginners, and you don’t have to worry about taking large losses if it doesn’t go your way.
For every point the CFD’s price moves toward your favor, you’ll get multiple units of the CFD you sold or bought. For every point the CFD’s price moves away from you, you take a loss. Trading this way doesn’t actually put an order in for you each time you pick a market. Instead, it puts a trade on one side or another on a set price.
Margin and Leverage
Now that you know what a CFD is and the basics of using this trading route, we’ll get a little more specific. Our goal is to give you a thorough understanding of CFD trading, and this means that you have to know what margin and leverage is.
Every CFD you have is a leveraged product. This means that you’re only required to deposit a fraction of the trade’s full value in order to open a position. This is called a margin requirement or trading on margin. Margin requirements allow you to magnify the amount you get in returns if you do well. However, it also magnifies the amount you lose because your lose total comes based on the CFD’s full value.
CFD Trading Costs
When it comes to CFD trading, there are three main cost points you have to consider. As long as you know about them, you’ll be able to ensure that you have enough money to cover them when the time comes.
Benefits of CFD Trading
There are several benefits associated with CFD trading, and this is what makes it so popular with people who don’t have a lot of money to invest but who want to start trading.
Dozens of Markets
You’ll gain access to a huge variety of markets with this type of trading. Currently, you can pick from over 15,000 markets all over the world. Also, all of your trades stay under one central login. You won’t have to worry about keeping track of which trade is on which market.
Exit Any Time
Unlike the regular stock market where you can’t exit until normal business hours, CFD allows you to exit your trades in the middle of the night. This is excellent news for people who believe that their shares are going to plummet and cost them.
Ability to Go Short
Going short means that you’re able to trade on a market that is currently on the way down in terms of pricing. So, you’d trade on your buy price if you think the market is going to go up, and you’d trade on the sell price if you think the market on your share was going to drop.
See Also: How Has Trade Changed Over Time
At the start of a bright and shiny new year, the first few days of January are the easiest to get through. You’re full of motivation to make a big leap and get started on your resolution to save more money.
But as the weeks go by, you start to lose momentum, falling for the temptation to stray from your goal and debating whether you should just give up. According to U.S. News, 80 percent of new year’s resolutions fail by mid-February when people lose their motivation or get overwhelmed by the magnitude of their goal.
Choosing to improve your financial situation is always a great idea, whether you’re hoping to stock up your emergency fund, get out of debt, or give your budget a boost. If you want to avoid the post-January slump and stick to your financial new year’s resolution, follow these tips:
One of the reasons why people fail their new year’s resolutions is that they bite off more than they can chew — picking a goal that’s vague, unrealistic, or far away will always be an act of self-sabotage.
The first thing you should do is give yourself a specific number as your resolution. Saying you want to “get rid of debt” or “add to your savings” isn’t enough. Choosing to take $2,000 off of your debt and add $900 to your savings account are clear goals.
You should also cut your timeframe into smaller pieces. A faraway deadline leaves room for procrastination, so you don’t put money away until the date looms closer and you start to panic. The lump sum is intimidating, so you will get discouraged before you even reach the halfway point.
Researchers Leona Tam and Uptal Dholakia recommend that you save money in short cycles to reach your goals, instead of aspiring to make one large sum over a long period of time. Telling yourself to collect $40 a week for a year will be much easier to accomplish than telling yourself to get $2080 by the end of the year. Both goals give you the same results, but the former is more likely to be successful.
See Also: How to Budget Using the 50/20/30 Rule
Automate Your Savings
When you get overwhelmed with work or life events, the resolution could slip your mind. Instead of missing out on a contribution and dropping further away from your end-goal, a mobile app can automatically put money aside for you, so you can make progress without even trying.
An app like Digit will analyze your spending habits and transfer money from your checking account into a specific savings account, which earns a 1% annual savings bonus. Users can save for multiple goals at once, directing money into accounts for things like emergency funds, credit card debt repayments, or vacations.
Saving money isn’t always a solo venture. If you’re trying to reach the resolution as a couple, consider an app like Twine so you and your partner can contribute to a joint account with automatic deposits.
If the idea of tackling your finances feels far too intimidating, you can always pick another goal that just so happens to save you money. You can check out these money saving 2019 New Years resolutions to see how you can quickly improve your finances without having to think about budgeting.
For instance, limiting your alcohol consumption can help you reach a substantial savings goal. Cutting down one $5.00 drink a day can give you $1820 by the end of the year. You may be focusing on fixing one bad habit, but you’re also filling up your bank account.
See Also: 9 Unconventional Ways to Save Money
Making money-saving your ultimate goal for the year is a commendable plan. The extra money can be used to stock up your rainy-day fund, just in case you deal with an emergency payment. After all, you don’t want to notice your pipes have frozen overnight when you can’t afford to call a plumber.
If this ever happens to you and you have no emergency fund to dip into, you can contact a lender like MoneyKey to apply for a payday loan. The process of getting an online payday loan will be fast and hassle-free. All you have to do is fill out an application, sign the loan documents, and get approved. Then, the money you need can be in your bank by the next business day. While savings are designed for these types of problems, it’s important to know that you have an option when those funds aren’t available.
Don’t get discouraged by the high rates of New Year’s resolution failure. Using these techniques will help you stay on track and reach your end-goal. If you make a mistake or fall behind, you don’t have to wait until 2020 to make another resolution. Pick yourself back up and work to better your finances, again.
The post How to Stick to your Financial New Year’s Resolution appeared first on Dumb Little Man.
“The quality of your life is a direct reflection of the quality of the questions you are asking yourself.” ~Tony Robbins
I am naturally inclined to do—to go, to move, to take action. Slowing down takes a lot of patience for me. But I often find that moving too quickly actually causes me more confusion.
One day, my head felt overwhelmed with questions. What had started with a simple idea of little ole me living in a tiny house on wheels (one of those under 200 square feet homes built on a trailer) had turned into a big undertaking of building a tiny house community.
I had just driven across the country towing a twenty-nine-foot Airstream trailer. It was my first ever purchase on eBay. I had another tiny house in the process of being built and yet another I was about to pick up.
Things were moving. But I felt like inside I was battling with a doubt that wanted me to come to a screeching halt.
The predominant question that kept pounding in my mind was: Is this going to work?
Then I just gave in, sat down, and started to write.
I wrote down this question and all of the related and unrelated questions that were circulating in the cloud of doubt in my mind.
In that moment, I discovered a personal practice that I’ve used many times since when I feel lost, doubtful, or unsure of which way to go. It helps me take intentional action toward my goals, and it’s really quite simple:
I evaluate the questions I’m asking about my work and life and change them to questions that empower me instead of stressing me out.
We all want something in common, and that is clarity. We want to move forward with integrity and purpose.
No matter if your life feels like a roller coaster or it’s running as smoothly as ever, there is one thing that never changes: You will always ask yourself questions.
I personally believe that when you are stretching yourself to grow and pursue a dream, you will have more than one question floating around your mind. They may even bombard you most of the day.
Questions aren’t inherently bad; they can help us go deeper to understand what we need to do to move forward—if, that is, we ask ourselves the right questions.
Some undermining questions include:
The problem with the above questions is that they place you in a victim or scarcity mindset instead of giving you a sense of control and empowering you to take responsibility.
You know a question is undermining if it meets the following criteria:
1. It makes you feel bad.
Although empowering questions can be challenging, they won’t make you feel like crap about yourself. An undermining question makes you find fault with yourself, others, or your situation. An empowering question prompts you to focus on patterns that are causing or contributing to your challenges, and it also helps you find a solution.
One way to convert an undermining question is to flip it to the opposite.
For example, change “What is wrong with me?” to “What is right with me?” or “What behavior can I improve?” This helps you focus on your strengths, what’s working, and how you can learn and grow.
2. You can answer it simply “yes” or “no.”
This might seem counterintuitive, because we ask ourselves questions to find clarity, and what can be clearer than “yes” or “no”? But the reason you are asking the question in the first place is because there’s more to it than that.
Often we just want a quick answer because it feels uncomfortable being in uncertainty. But there’s something more to explore, and there is greater power in a deeper answer.
Another way you can convert an undermining question to an empowering one is to change it to something that requires a thoughtful answer.
For example, like the undermining question I was asking myself about my tiny house community, change “Is this going to work?” to “How is this going to work?” By changing the question, you are presupposing that it will work—you simply need to figure out how.
3. It defers the power to someone else rather than yourself.
We all fall into potholes where we defer power, blame, and control to someone else, even those of us far down the path of personal development. When we ask questions to figure out what other people will think about us or how to get someone or a group of people to do something, we are placing our problem-solving energy outside of ourselves, where we have little leverage.
A way to convert this kind of undermining question to an empowering one is to change the focus to yourself.
For example, change “How do I get this group of people to do what I want them to do?” to “What actions do I need to take to achieve what I want to accomplish?” This allows you to lead by example, putting all of the power back in your court.
Changing your undermining questions to empowering ones can help create a lot more peace, expansion, and clarity. And when you answer those empowering questions for yourself, you may feel like you just unloaded a bag of bricks from your head.
Try this Exercise…
Here is a simple process for unloading, examining, and finding answers to your own questions:
Step 1: Unload
Grab your journal and write down every question you are asking yourself about your business, work, relationships, and life right now. Write until you cannot think of any more questions and you start repeating yourself.
Step 2: Examine
Look through your questions. Are any of them undermining? If so, convert them to empowering questions, using the tools above.
Step 3: Answer
For the questions you have remaining, take time to journal your own answer to each one. Don’t think, just write and see what comes out.
You can do this process as often as you like. I find when I do it, I feel clear for a substantial amount of time, and confident, because I know I have a process I can use whenever I feel lost.
About Danielle LaRock
Danielle LaRock’s mission is creating a space for changemakers to be themselves and take aligned action in their business, movement, or cause. As a seasoned facilitator and coach, she believes making a difference starts with who you are. She is also the founder of Tiny Haven, a tiny house community. Meet Danielle at www.daniellelarock.com and join her free changemaker community, Project Changemaker.
The post What to Ask Yourself When You Feel Lost, Unsure, or Confused appeared first on Tiny Buddha.
Have you ever played with Runes, Tarot Cards or consulted the I Ching to get an answer to a major life question?
When I don’t like the answer, I “fish” again until I am satisfied with the outcome. Interpretation is everything. In fact, in my book Follow Your Bliss, Not Your Blisters, I teach a technique for learning how to tap into “happy” at any time.
Understanding the role interpretation plays in our lives is fundamental to how much we can rise above the negativity and be in control of our thoughts and emotions.
Intuition is the divine guidance we have been given to successfully navigate our lives. At time of indecisiveness, we are very likely to dismiss our gut feeling as just another voice in our head — but it is not.
Gut feelings are the “how to” book of your life. Very often, we “know” what to do about a situation, but we have so many “reasons” for why we don’t take the right action that we go astray.
A Very Personal Story
I was working for Hilton Hotels and was transferred to Atlanta. Prior to that transfer, I had dated a colleague in Florida who had worked in Atlanta and called him for his advice where to live. When he told me his old address, I went there to find a place.
As fate would have it, the ground floor apartment they showed me was his exact old haunt. There was a ditch outside which I envisioned would be a lake one day with a swan on it. The town was cute, so I said, “OK, I’m in.”
Except for one thing.
My whole being knew I shouldn’t live there. It felt “dangerous,” but the neighbors seemed nice enough and there was a lovely pool. So, I called friends and family and inquired if they ever felt bad vibes walking into a place, public or private. I really didn’t need their answers. I knew I shouldn’t be there.
The day the movers arrived, I went to the apartment only to find a sign hanging on my door warning that there had been personal attacks in the complex and to be careful. Ignoring my fear that was now confirmed by the note on the door, I moved in. Three days later, my house was broken into while I was asleep and I was, indeed, attacked.
One thing I will add is that as the attacker held me with a knife in my neck telling me he was going to kill me, I tried to resist like any 5’2, 101-pound person might. Immediately, I heard a loud voice in my head saying: “Don’t resist.”
I followed the sudden intuition screaming at me and that is why I am here to tell the story.
About Your Intuition
Medical science says our “gut” is in constant and direct communication with our brain and vice-versa. We even use the idiom “my gut tells me” when we want to affirm something.
Usually though, when we are not sure what action we should take, we tune into our thoughts. Our thoughts are so very rarely clear. Logic is not perfect and is anti-intuitive. Pros and cons can’t be balanced, but you can count on the feeling in your gut.
Here’s what you do.
Let’s say you are offered a job that excites you but requires you to move 3,000 miles away from your friends, family, and the cute doctor you are dating. “What to do, oh my.”
Sit quietly, be mindful of the question and as you are doing so, sense what is going on physically in your gut. You will either feel expansion – a sense of lightness and excitement or a sense of dread.
That is being intuitive.
Anything you do after that is up to you, but we all have this guiding light built in. The person you are dating may be smart, funny, and generous but what’s with all those slurs about your weight, your hair color, your family. Hmmm, think again. Rather, gut again!
I think even the word intuition is interesting. We pay institutions to get essential knowledge and growth but the path our journey takes is an inside job. To follow your intuition is to follow your bliss in the name of positive experience and brilliant expansion.
See Also: How To Learn To Trust Your Gut Again
As of the third quarter of 2018, Google Play had 2,100,000 apps and the Apple App Store reached the milestone of 2,000,000 apps. Windows store and Amazon Appstore together had some more than 1,119,000 apps in the same period.
As the number of apps for every platform is continuously growing, the competition gets more and more fierce. Trying to reach out to every potential user, numerous businesses have learned that they are not accessible enough.
To offer their goods, services, and benefits to the broad audience without any limits, brands work on their accessibility. A recent update of Instagram added automatic alternative text that allows visually impaired users to hear the descriptions of the posts using the screen reader. Instagram also implemented a custom alternative text feature that enables users to add a richer description of their photos when posting them. People who have screen readers enabled can hear this description.
Dyslexia is one of the accessibility issues that isn’t often considered by mobile and web app developers. In this post, you will learn why things need to change and how to do it.
What is Dyslexia and Why It Matters
Dyslexia is not a disease. It is a language-based learning disability that is very often a cause of writing, reading, and spelling difficulties in children and adults. If you haven’t heard of dyslexia before, you will be even more surprised to learn that this health condition is not that rare.
Around 5-10% of the US population has dyslexia according to the stats provided by DyslexiaHelp. Since not every case of dyslexia is diagnosed, some researchers suggest that as many as 17% of the population in the US alone can have this condition.
Children of all intelligence levels can have dyslexia. This condition does not depend on a person’s ethnicity, gender or socioeconomic circumstances and it’s not something you can cure. It is a life-long condition that requires intervention.
With proper help and accessible materials, a person with this condition can succeed academically and in other aspects of life as well. Nonetheless, one needs to consider it when developing a mobile application for the general audience.
Mobile App Design for Dyslexics
Let’s investigate how to create UI/UX design for users with dyslexia.
The app development cost of an accessible app might be higher, as you will need to find a development team with relevant experience or at least capable of implementing the solution. It’s money well spent since you won’t be using a large percentage of potential users. It’s inspiring to observe how modern businesses embrace diversity and work on the accessibility of their services.
Exclusive for Dyslexia
With the help of technology, people with dyslexia can learn to cope with the condition faster. For this reason, there are already numerous software solutions for dyslexics.
If users with dyslexia are the primary target audience of your mobile app or website, take a look at what is already available out there.
Current Top Solutions for Users With Dyslexia
Design for Dyslexia: Get It Right
To make UX/UI design accessible for users with visual impairment, you need to do more than merely adjust colors and contrasts. A convenient interface, created for dyslexic people, should have the following features:
As you can see, UX/UI design for dyslexia is all about decreasing the cognitive load for the user. Accessible design is clear and does not have any distractions.
The Internet is by definition accessible. Since more and more people use smartphones more often than their computers, making your mobile app with accessibility in mind should become your second nature.
You can make your product empathetic and inclusive by taking care of users with dyslexia. As you could see from this post, there is nothing extremely different in the UX/UI design for dyslexics. You might not even notice the changes.
However, your app users will appreciate the effort a lot, and they will be able to enjoy your product and benefit from it more. Users are more loyal to brands that show personal attitude and care about their issues.
Why not set a good example with your next web or mobile application?