Your Headspace Is the Key to Success

When you take charge of your own career and build businesses, so many things rely on you. So, if you can’t focus or think clearly, that can spell big trouble for the entire operation. That’s why your headspace is actually one of the most important elements of your business. I’m not saying that getting the blues will tank your bottom line, or that you aren’t allowed to be in a bad mood once in a while. But if you don’t set aside the time and energy to keep your headspace sharp, positive, and optimistic, every challenge is going to be that much harder. What’s worse, you won’t even see the world of potential all around you. But remember: it’s your headspace. That means you are in control, as long as you are proactive about it. How to Improve Your Headspace: There are four things you can start doing today that will radically improve your headspace going forward. Meditation: Over the last several years, many people have started to embrace meditation. That’s because it’s one of the most science-backed ways to improve your mood and focus over the long haul. Even 10 minutes a day can get you on the right track. It’s free and doesn’t take up much time, so what’s there to lose? Exercise: You don’t have to run marathons, but you do need to regularly get the blood pumping. It helps to have goals, too — like getting lean for beach season or getting strong over the winter. The energy you spend exercising comes back to you with interest, so it hits all the markers for a good investment! Make Time for Friends and Family: We can call this work/life balance, but it’s about more than that. What’s important to you? What are your priorities? It’s hard to actually know the answers to these questions without a strong connection to our community of loved ones. Protect Bedtime and Your Morning Routine: The hours before and after sleep are critical to your entire day. Before bed, make sure you aren’t having a nightcap or endlessly scrolling your phone. Those destroy sleep quality. And when you wake up, give yourself time to do a little exercise or meditation. Start doing these things today and check back in a week from now. I promise you; your business will thank you! You heard it here first. Now go share this newsletter with someone who can use the information. Source: 911profit.com, 3/4/23.

Just 8 Minutes of Exercise a Day Is All You Need

You can get all the exercise you need in just 8 minutes a day if you work out a bit harder, according to a new study in the European Heart Journal. Just 54 minutes of vigorous exercise per week provides the most bang for your buck, researchers found, lowering the risk of early death from any cause by 36%, and your chances of getting heart disease by 35%. Scientists examined data from fitness trackers worn by more than 71,000 people studied in the United Kingdom, then analyzed their health over the next several years. While more time spent exercising unsurprisingly led to better health, the protective effects of exercise start to plateau after a certain point, according to the study. A tough, short workout improves blood pressure, shrinks artery-clogging plaques, and boosts your overall fitness. Vigorous exercise helps your body adapt better than moderate exercise does, leading to more notable benefits, says study author Matthew Ahmadi, PhD, a postdoctoral research fellow at the University of Sydney. "Collectively, these will lower a person's risk of cardiovascular disease. Exercise can also lower body inflammation, which will in turn lower the risk for certain cancers," he says. The CDC recommends at least 150 minutes of "moderate intensity" exercise each week, such as walking at a brisk pace. Or you could spend 75 minutes each week doing vigorous exercise, like running, it says. The CDC also recommends muscle strengthening activities, like lifting weights, at least 2 days per week. But only 54% of Americans actually manage to get their 150 minutes of aerobic activity in each week, according to the most recent data from the National Center for Health Statistics. Even fewer — just 24% — also squeeze in the two recommended strength workouts. So, 8 minutes a day instead of 30 minutes could persuade busy people to get the exercise they need. "Lack of time is one of the main reasons people have reported for not engaging in exercise," says Ahmadi. Vigorous exercise doesn't mean you have to run, bike, or lift weights. Scientists consider a physical activity "vigorous" if it's greater than 6 times your resting metabolic rate, or MET. That includes all kinds of strenuous movement, including dancing in a nightclub (without drinking) or carrying groceries upstairs. "All of these activities are equally beneficial," says Ahmadi. He recommends aiming for 2-minute bouts of a heart-pumping activity, spread throughout the day for the most benefit in the least amount of time. If you wear a smartwatch or other device that tracks your heart rate, you'll be above the threshold if your heart is pumping at 77% or more of your max heart rate (which most fitness trackers help you calculate). No smartwatch? "The easiest way a person can infer if they are doing vigorous activity is if they are breathing hard enough that it's difficult to have a conversation or speak in a full sentence while doing the activity," Ahmadi says. In other words, if you're huffing and puffing, then you're in the zone. Sources: Matthew Ahmadi, PhD; University of Sydney; European Heart Journal; 2/9/23

Tips To Reduce Financial Stress In 2023

Your finances can seem like both a gift and a curse when navigating through life. It can be a sense of overwhelming accomplishment or a downward spiral that can lead to health issues if not managed. According to a study by Thrive Global, 90% of individuals say that money impacts their stress levels. Whether your issues are caused by a loss of employment, accumulating debt, or unforeseen bills, financial anxiety is one of the most common stressors in modern life. We are often faced with challenges when money is involved, but knowledge and planning can help alleviate much of the stress that may occur. With a wide array of resources out there, it can be hard to know where or how to start your journey, but following the tips laid out in this article can help start you down a path to reach your goal. Reduce Debt Debt is often the biggest contributor to financial stress. This can be debilitating financially but also mentally. Once you’ve accumulated a large amount of debt, it’s hard to see a way out. How can you move forward if you’re paying your bills each month but the balance barely budges? Set a goal, educate, and organize. The first step on your road to being financially stress-free is to set a goal. This will provide you with direction, something to work for, and serve as the catalyst for changing your behavior. It can be hard to stay on track but maintaining focus is key to accomplishing your goal. Having zero debt does not have to be your only objective. To help you stay motivated and give yourself a feeling of achievement along the road, you might set smaller, more realistic goals. Educate yourself on the two main debt reduction strategies: the highest interest rate method and the snowball method. The first approach is focusing on the debts with the highest interest rates, such as credit cards and student loans. The goal is to pay these off as quickly as possible because they are costing you the most. This will eliminate your most costly debts first and be most beneficial in the long run. On the flip side, the snowball method focuses on the smallest debts. While making the minimum payments, put any extra money towards these debts and in turn, you will pay them off sooner. Although this approach could appear more rewarding in the short run, it typically results in higher long-term costs. Organizing your bills can seem like a daunting task, but it will serve as a guideline to being successful. You’ll need to know what, when, and how much you owe each month. Keep a spreadsheet or calendar to track your payments so you’re always aware of what’s due next. Create a Budget Creating a budget may be the most important step in the process of reducing financial stress because it’s the foundation for allocating where your money is going each month. A personal budget is an essential tool that helps you organize and prioritize the expenses in your life. This will help you make better decisions with money and ultimately reduce financial stress. Your net income serves as the cornerstone of an efficient budget. Your take-home pay is the sum of your income or salary minus tax and employer-sponsored benefits like retirement plans and health insurance. Focusing on your gross pay instead of your net pay may drive you to overspend because you'll believe you have more money accessible than you actually have. You should know what to expect with each paycheck and if you are self-employed, then you will need to keep thorough records in case of any fluctuating revenue. Now that you know how much money is coming in, you can start determining where it needs to go. Similar to organizing your bills, tracking your spending is crucial for staying on course. Tools like a monthly expense tracker are perfect for helping you stay focused each month. Begin with your fixed expenses such as your mortgage or rent, car payments, utilities, and other loans you may have. There is usually no wiggle room on these bills, so it’s important to account for these first. Next, address your variable expenses such as gas, groceries, and entertainment. These are areas where you may be able to make some cuts (more on that later). Credit card and bank statements are a great way to track what and when you made a purchase. Now you can analyze what you actually spend versus what you want to spend. Use the list of variable and fixed costs you created to estimate your spending over the next few months. Then compare that to your priorities and your net profit. This will determine if there is enough money to not only cover your bills but to start paying down some of your debt. Make a plan and stick to it. Staying diligent is the best way to avoid new debt and get closer to financial security. Also, remember to review your budget on a regular basis. Things can change from month to month or year to year, so keep on top of any changes that may occur. Cut Expenses It is important to be aware of what you are spending money on. No matter what you are buying, it’s likely there’s a less expensive version available and, in some cases, the expense could be eliminated altogether. Cutting expenses is really an extension of budgeting. People often feel societal pressure to sign up for a service or buy an item. Ask yourself a couple of questions: Do I need this? If so, is there a cheaper option? Remember, most of these things are called non-essential items for a reason. The easiest way to cut expenses is to update any subscription services you may have. These may include streaming services, memberships, or magazines. Has it been months since you've used them? If so, cancel them. You can always re-subscribe when your financial situation has loosened up. Limiting your utility use is another option, although a little trickier since electricity and water are essential. Any one of these tips won’t make a noticeable difference alone, but combining all of them can. Use LED bulbs instead of incandescent when possible. They may cost more to buy, but they last much longer and use 75% less energy. Also, make sure to turn off any lights when you leave the room. Caulk and weatherstrip drafty doors and windows. Seal any air leaks where plumbing, ductwork, or electrical wiring passes through walls, floors, or ceilings. Use a programmable thermostat. Set it to automatically turn your heating and air conditioning off or down when you are typically out of the house. Reduce the temperature of your water heater. Lowering it by 10-20 degrees could potentially save you hundreds of dollars per year. Repair leaky faucets, showerheads, or toilets. Most people don’t realize a continuous trickle or drip can increase your water cost significantly. Where you lay your head at night is usually the biggest expense when assessing your finances. There are both positives and negatives to renting or owning a home. Affordability and flexibility are what make renting most attractive. Your monthly costs can be lower since you’re not responsible for any repairs that may occur and you have the ability to move around when you want. You may also be able to negotiate a better leasing deal if you’re on good terms with your landlord. On the other hand, owning a home is more of a long-term play because you are building equity and will eventually own the home outright. If your credit score rating is sufficient to secure a good interest rate on a mortgage, then it may make sense for you to relocate and/or downsize to a new home. Insurance costs can add up quickly, from home to health, to car, with most people not shopping around for the best deal. There are more than enough insurance companies to choose from for home and car insurance. You may find that you could save money by switching companies or by bundling them together with the same company. When it comes to your healthcare, the good news is you most likely have several options, including a health care sharing program like Medi-Share. These are often less expensive per month than traditional health insurance’s premium costs. Find Ways to Earn More Money If budgeting isn’t enough, utilize your free time to earn some extra income. Although this may not be ideal for some people, it could be necessary to start making an impact on your financial goals. The best way to bring in some more income is to work extra hours at your current job. Capitalize on overtime pay if it is available. This will most likely give you the highest return for your time. Another option may be negotiating for a raise. If you have a good rapport with your employer and have put sufficient time in at the company, don’t be afraid to ask for a bump in pay. With high inflation and the current labor market, employers may be willing to pay a little more for a quality employee. A final option may be to get a side gig. These are not only good for bringing in some extra cash, but they can also provide new skills and experience to add to a resume. There are many choices when it comes to side gigs but here are a few suggestions: tutoring, blogging, delivering food, or selling items on e-commerce sites. For the most part, this isn’t a permanent situation to help you relieve your financial stress. These gigs may only be necessary for a month or two. Keep your eye on the prize and cut out the extra work or side gig when you feel the pressure has subsided. Build an Emergency Fund An emergency fund is a savings account that is specifically set aside for unplanned expenses or emergencies. This is critical for when unexpected events occur. This can include things such as job loss, medical expenses, home repairs, car repairs, or family emergencies. Many times, people fall behind and end up in debt because they were hit with an unforeseen cost that they could not afford. An unplanned expense could set you back years if you have no savings and have to go into debt to pay for it. Like everything else we’ve talked about, setting a goal is the first step. Most experts suggest saving three to six months’ worth of expenses. This can vary depending on if you have kids or pets to care for. Remember that saving even a small amount of money, such as one month's worth of expenses, is useful. Create a schedule for making regular contributions and automate it. Figure out a reasonable plan to automatically transfer funds from your paycheck to your emergency savings account. For example, you might transfer 5-10% of your paycheck or transfer a specific amount such as $40 per week. Either way, know you are preparing for the inevitable unexpected expense down the road. If you’re having a hard time setting aside extra money, refer back to cutting expenses. The money saved by canceling subscriptions can be reallocated to an emergency fund. Set a guideline so you understand how you want to use this fund. The idea is to use it to avoid creating new debt in an emergency. Instead of taking out a loan or using a credit card, which will end up costing more due to interest and fees, tap into your reserve fund if you have to. Remember, this is for emergencies, not vacations or Christmas shopping. You may feel more at ease if you are confident that you have enough cash on hand to take care of yourself in an emergency. Even if you can't plan for when an unforeseen expense or other problem may hit your budget, you can reduce your financial stress knowing that you have a reserve fund to help with costs. Conclusion Resolving financial problems is a slow and gradual process, but staying committed to your goal will soon show the results you’re looking for. Being overwhelmed by financial stress is a common feeling among many people, so remember you’re not alone. The sooner you start, the sooner you will reach a point of peace knowing you are on your way to being good stewards with what God has given you. With January being National Financial Wellness Month, it’s a great time to start improving your finances and limiting the stress that comes with it Source: Thrive Global, 1/7/23.

THE 6 HABITS OF THE ULTRA WEALTHY

This newsletter is credited to Tom Corley who published this article in Money/CNBC. I think it is spot on and I hope you enjoy it. Striking it rich is not a fluke. It takes hard work, fearlessness and a growth mindset. I spent five years studying the habits of 233 millionaires — 177 of them were self-made — to find out how they make use of their time. Based on my research, I identified six principles they all shared that helped them build wealth. The best part is that anyone can implement these and start working towards becoming a millionaire. 1. Self-made millionaires are constantly learning. For the millionaires I interviewed, learning and self-improvement were top priorities. Forty-nine percent reported that they took a few minutes every day to learn new words, and 61% shared that they practiced new skills (i.e., a sport or online class) for a minimum of two hours a day. Another 63% said they listened to audiobooks during their work commutes. Seventy-one percent said they often read self-help books. Many of them gravitated towards biographies of successful people. 2. Self-made millionaires listen more than they talk. One strategy that came up many times during my interviews was the “5:1 listening rule.” In group settings, for every minute they spoke, the millionaires listened for five minutes. This helped them to strengthen their work relationships and get a number of different perspectives on a given issue. And 81% said that they actively sought feedback from others every day, both inside and outside of the workplace. 3. Self-made millionaires build great teams. In my study, 86% of self-made millionaires worked an average of 50 hours or more a week. But they didn’t work alone. Many succeeded because they focused on their strengths and figured out a way to outsource their weaknesses. If they did not possess a particular skill, they delegated to someone who was great at it, so they could focus on the bigger picture and have more time and mental energy to execute it. Surrounding themselves with people who shared their vision made it possible to go the distance with their goals. 4. Self-made millionaires dream big. Many of the millionaires in my study used a strategy I call “Dream-Setting.” They sat down and wrote out what their ideal, perfect life looked like 10 years into the future. One of the millionaires in my study was passionate about wine, and thought that he could make millions investing in it. His family and friends didn’t think it was possible, but he was undeterred. Over the course of 15 years, he became an expert in the industry. In 2001, he liquidated a small fraction of his wine collection and was able to buy his dream home on the beach in Florida. He made $4 million in earnings — all because he refused to give up on an idea he believed in. 5. Self-made millionaires prioritize their health. Good health translates into longevity, which means more time to create more wealth. One millionaire struggled with her weight for a long time. One day, she decided to walk one mile a day. After a month, she increased to two miles, then three. By the time I interviewed her, she had run three marathons. She attributed her energy, focus and drive to succeed in part to these incremental fitness goals that changed her life. 6. Self-made millionaires make their own luck. I’m not talking about the kind of luck you have in Las Vegas; a whopping 94% of millionaires in my study said that they never gamble. Luck in this context isn’t happenstance, but taking a gamble on something new. Many of the millionaires shared an ability to see what is invisible to others, and come up with creative solutions and alternate routes to success. Ultimately, persistence creates opportunities, and luck eventually comes to those who refuse to quit on their dreams and goals. Source: Tom Corely, Money/CNBC, 11/19/22.

Exercising on a Budget

✓ Utilize the space you have and transform your garage or spare room into a small workout area. ✓ Buy multi-use equipment if your budget allows: o Resistance Bands o Dumbbells o Jump Rope o Step o Exercise Ball ✓ Shop second-hand stores or local online postings to find lightly used fitness equipment at a fraction of the cost. ✓ Incorporate body weight exercises that do not require special equipment to perform such as squats, lunges, pushups, and planks. ✓ Find workout videos that can be done at home and don’t require any special equipment or large amounts of space. ✓ Search for social media posts containing inspirational at-home workouts. ✓ Go outside! The outdoors are an incredible resource due to the unlimited possibilities for aerobic activity and bodyweight strength exercises. ✓ Get creative! Grab household items such as milk jugs, soup cans, or even your children to use as weights. ✓ Sign up for a fun sports league with some friends in your area; for example - volleyball, kickball, ultimate Frisbee, basketball, etc. ✓ Find some stairs outdoors and do laps up and down. ✓ Bike for transportation to save money on gas and get some exercise in! Family Activities for FREE! ✓ Engaging your family in physical activity is a great benefit to your health journey. ✓ Go on bike rides in your neighborhood or local trails. ✓ Walk to your local park and maybe perform a few pull ups on the monkey bars. ✓ Play tag in the backyard; whoever loses has to do 10 sit ups. ✓ If you live near a public beach, spend a day swimming and jumping over waves. ✓ Go on walks around the block to get some steps in. If the weather is poor, head to a local supermarket or mall to do some laps. What to Do Next There are a lot of cheap and free options to increase your activity levels. Be creative. Start today!! Source: Jesse Wirges, 10/26/22.

Do you know the top 4 benefits of sun?

Summer is in full force and the warm weather is everywhere, which means some of our favorite activities are back! The calendar fills up with pool days, walks in the park, trips to the local ice cream shop, hikes, family vacations, and school-free weeks. The return of the warmth entices us to get outside and enjoy the fresh air, but the constant reminder of protecting your skin from the sun is ever present in the back of our minds. Although the sun may get a bad rap due to the nasty burns it can cause if we aren’t careful, there are actually many health benefits that result from spending time in the sunshine! Good Source of Vitamin D Did you know that sun exposure for at least 15-30 minutes, especially around midday, produces vitamin D within the body? Vitamin D is an essential nutrient in the body and plays a vital role in calcium absorption, bone health, and immune system function, so ensuring the sun’s rays hit our skin to start the vitamin D production process is beneficial to our overall health. Low levels of this vitamin lead to symptoms such as fatigue, bone pain, muscle weakness or aches, and low mood. No wonder this vitamin is dubbed the “sunshine vitamin!” Ensures a Good Night’s Sleep Spending time in the sun during daytime hours also ensures we get that much needed sleep once our head hits the pillow at night. Our sleep, along with hormone production, body temperature, and digestion, is regulated by what is known as the circadian rhythm. This rhythm ensures that certain sleep hormones like melatonin are produced at appropriate times and amounts so that if any dysregulation is present, your sleep will be negatively impacted which is cause for concern since sleep plays a vital role in our overall health and disease prevention. So, get out into the sun! Spending most of the day outdoors or, better yet, spending full days outside on a camping trip, can reset your circadian rhythm resulting in a healthier sleep schedule. Helps Weight Management Not only does the warm weather provide more opportunity for outdoor physical activity, some studies show that regular sunlight actually helps fat cells sitting beneath the skin to shrink in size, thus reducing the amount of fat being stored within those cells. Although more research is still needed to observe the full cellular impact, we can still get moving outdoors to not only improve our cells, but increase our overall caloric burn as well. More movement alone aids in managing body weight and metabolic efficiency, so doing activity in the sun is just an added bonus for your body. Uplifts Overall Mood Yes, the sun can make us happy! When the sunlight hits our skin, our brain is triggered to release a “happy” hormone called serotonin. When levels of this hormone rise, we experience a boost in our overall mood which helps us feel more calm, happy, and focused. Studies even show that “among depressed participants, a dose-response relationship was found between sunlight exposure and cognitive function [mood, serotonin, and melatonin production], with lower levels of sunlight associated with impaired cognitive status.” So, if we are ever down in the dumps, we should focus on adding some sunshine to help brighten our day! Takeaway The moral of the story is that the sun isn’t to be fully feared and avoided. Although sun safety measures should still be implemented to ensure the harmful effects of too much sun time are prevented, regular time outdoors does indeed have a positive impact on our overall health both physically and mentally. We should enjoy those walks to the park or the family camping trips this summer…our bodies will thank us for the added time in the sunshine. Source: Jesse Wirges, 8/3/22.

Do You Have an Adaptable Attitude?

More from Denis Waitley, from his book Being the Best on page 222... If you want to thrive in life and in your business, you must have an adaptable attitude. The following four suggestions will help you put an adaptable attitude into action: 1. Instead of fearing change, expect it. View change as normal. Constantly check how flexible you are to new ideas, surprises and other situations that demand adaptability to change. My commentary - How did you adapt to the pandemic? Now that 8.6% inflation is here how will you pivot and adapt? How flexible are you to new ideas to combat this inflationary period? 2. Use the salvage-the situation approach. When things don't work out just the way you planned, don't panic or go into a blue funk. No matter what game you are playing, one loss does not make a season. One strike-out doesn't mean you can't win the batting championship. My commentary - How would you feel if you lost $80,000 in less than 20 minutes? Well now you know how I felt trading Apple options about ten years ago. Yup $40,000 evaporated in under twenty minutes. Trust me I was not happy, nor did I feel well; but, instead of giving up or going into a depression I learned what mistake I made and moved forward. In the ten years since I have made that $80K loss up dozens of times, if not hundreds of times over. One strikeout does not mean the end of the season if you can learn and adapt. 3. Ignore the little disappointments and irritations in order to reach your larger goal. Many people let the little things get to them and ruin their performance, attitude and chances for success. Adaptable people learn to live with a certain amount of inconvenience, embarrassment, discouragement, dismay and antagonism. They concentrate on what really counts-the major goal or objective. My commentary - I remember the first focus group that I did. Not only did I BOMB, but I embarrassed the hell out of myself because it was my accountant who set it up. By keeping the major goal in front of me I was able to analyze where I went wrong (everywhere!) and build a better presentation that has propelled my practice to soaring heights. 4. Remember the prayer of Reinhold Niebuhr. Change what you can, accept what you cannot change, and ask for the wisdom to know the difference. My Commentary-Amen to that! It is so spot on and when you live that prayer you automatically become adaptable. You heard it here first. In Gratitude, Paul Source: 911profit.com, 7/13/22.

40 Proven Business Killers

The article below will outline 40 proven business killers. Take an inventory of the list and cease any of the actions on that list. Next you must create a plan that will give you consistent growth by helping you to attract the best buyers in your market. This must be coupled with proper procedures. Lastly your plan must include business skills that will lessen your debt and start you saving for retirement. The time is now to make the changes. Inflation is ticking up quickly along with higher interest rates. Gas prices are high also. You deserve to stop living in fear and doubt. 99% of my clients probably started just like you. Hating the idea of being coached; hating the idea of spending money; and hating the idea of doing things differently. Go ahead and read some of their testimonials by clicking here. The following list will outline guaranteed small business killers. If you are inadvertently doing or not doing any of these, you may want to make the correction immediately. 1. You have no specific marketing plan 2. You are not spending present time consciousness with your customers/clients/patients 3. You are visualizing what you don't want instead of what you do want 4. You have a poverty consciousness 5. You don't read enough 6. You are in a constant state of fear 7. You do not train your staff 8. You do not have written goals 9. You are still using procedures that are old and have not been modified to reflect the present economy 10. You do not have a team of trusted advisers 11. You do not run or know how to read financial statements 12. You do not know how to create a budget 13. You do not understand business principles 14. You are not organized 15. You lack procedures 16. You do not understand how to strategically market 17. Nobody is holding you accountable 18. Your business practices are questionable 19. You are not innovative 20. You do not know how to upsell, down sell and cross sell 21. You fail to get out of your office to meet new people 22. You do not teach your employees how to run your business via systems 23. You are not using modern technology 24. You are frustrated 25. You are burnt out 26. You are apathetic 27. You don't donate time and or money 28. Your employees are not profit centers 29. Your staff needs to be told what to do next 30. You do not know how to control expenses 31. You have credit card debt 32. You are unprepared to pay your taxes 33. You live paycheck to paycheck 34. You wish you never went into your business 35. You do not have written goals 36. You do not look at your written goals daily 37. You waste time and procrastinate 38. You are not happy 39. You are not healthy 40. You do not wake up happy Start working on the list above and see what happens to your business or practice. You heard it here first. In Gratitude, Paul PS: A friend or colleague may benefit from what you just read. Please share it with them. Source: 911profit.com, 6/20/22.

15 hobbies to try that don't involve screens

Anyone else feel convicted when you get your “screen time” report on your phone each week? What about TV? How much time in front of that screen do we get sucked into during the week? Why are we so attached to these things? I have a theory that the total and even partial isolation we all experienced during the pandemic drove us more and more to our screens. Not that all of that was bad. Believe me, I’m grateful for technology keeping us all connected! But… Exposing ourselves and our families to too much of this can start to affect our thoughts and possibly even our actions—likely toward each other. It can be especially easy to get caught in the vicious cycle of scrolling mindlessly through our social media feeds—all in the name of connecting, of course. But does that really help us connect with each other? A study done by Stanford Medicine’s Center for Compassion and Altruism Research and Education cites that, “People who feel more connected to others have lower levels of anxiety and depression. Moreover, studies show they also have higher self-esteem, greater empathy for others, are more trusting and cooperative and, as a consequence, others are more open to trusting and cooperating with them. In other words, social connectedness generates a positive feedback loop of social, emotional, and physical well-being.” So, if real human connection is good for us in more ways than one and screens are seemingly counteractive to this connection, what should we do about it? May I suggest picking up a hobby… 1. Running I’m not suggesting to go into full-blown marathon training; however, there are many benefits to incorporating a running routine into your list of hobbies and even health goals. These can include increased lifespan, better sleep, sustained weight loss, and improved mental health. Want to find connection in running? Join a local run club or just grab a buddy and hit the pavement or trails! Start simple and see where it takes you. 2. Hiking Speaking of hitting the trails, maybe hiking through places like National or State Parks is more your style. No matter what type of trail you choose, it can be a total body workout. Not only does hiking get you out in nature, it can greatly increase your cardiovascular health, mental health, and relational health if you grab a friend or get the whole family involved. 3. Backyard Games With the weather warming up around the country, it’s the perfect time to invite some friends or neighbors over for a good old-fashioned Bar-B-Q, complete with an array of backyard games! Corn hole, badminton, and croquet are just a few. Or match up family vs. family in a classic game of kick ball. Your options are pretty much limitless! 4. Metal Detecting Get off those screens and get out looking for treasure! Whether it’s on a beach, along a trail, or even in a local park, it will get you out and moving. Living on the east coast of Florida, I hear stories all the time of folks finding old Spanish coins that washed ashore from centuries-old ship wrecks and were buried under mounds of sand. Though you may never find anything of great value, the thrill of the hunt can keep you out for hours! 5. Geocaching Okay, so this one may involve using your smart phone. BUT… it can be great fun to get the whole family involved. Parents can download the official Geocaching® app or use a GPS device and sign up for a free account to get started. Kids should bring a pen along to sign and date the logbooks when you find a geocache. They will love the experience of the adventure you create together! 6. Gardening Whether you have a black thumb like me or you fancy yourself a horticulturist, gardening can be fun and relaxing, and fairly easy to get started. If you’re worried about the upkeep, you can start small with planting a few herbs you know can be used in cooking, for example. Many stores will have herb kits to get you started. If you are looking to rival the gardens in HGTV magazine, it’s a good idea to visit your local nursery for tips and advice on which plants will thrive in your climate and the best season in which to plant them. The key to gardening is to be patient, no matter how you get started. 7. Painting Growing up in the 80s, Bob Ross helped us all believe painting was as easy as “adding some happy little trees”—simple enough for the average Joe. Though you may not be the next Picasso, there seem to be painting studios popping up all over the country with totally doable follow-along classes. With more than 240 locations all across the country, Painting with a Twist offers both in-person classes and take-home kits. Or maybe painting pottery is your thing. A quick Google search should help you find a studio near you. Hint: painted pottery from kids make excellent Mother’s Day, birthday, or Christmas presents! 8. Crafting While we’re talking about making gifts, there can be great satisfaction in creating things with your hands. From Christmas crafts to everyday home décor crafts, the possibilities are endless and DIY YouTube videos abound. You can also find a plethora of kid craft ideas plastered all over Pinterest—perfect for gifts for family and friends. 9. Camping One silver lining of the recent pandemic was the boom in camping. Families realized it was a great time to get outdoors and spend time together, reconnecting in nature. RVs are a great way to experience camping, or maybe you’re more into “roughing it” with a tent under the stars. Either way, with more than 60 National Parks and a multitude of State Parks wherever you are, there are plenty of exciting places to explore whether just for a night or an extended vacation. 10. Stargazing Speaking of being under the stars, have you ever looked up on a clear night and just marveled at the vast number of stars out there? A great way to appreciate God’s amazing power in creation and get your kids involved is buying a decent telescope and finding a clear space away from trees and lights. Keying in on the moon or fellow planets is cool enough, but don’t miss out on any number of meteor showers that take place throughout the year. 11. Rock Climbing You don’t have to live in the mountains to benefit from this extreme activity. Many cities throughout the US have indoor rock gyms these days. It doesn’t take much to get started, though if you decide it is something you want to do long-term, you may want to invest in some quality climbing equipment. This is also a hobby best done with a friend or two and is a great way to build up your strength and stamina. 12. Scuba Diving Maybe scaling high altitudes isn’t your thing. How about under water? Though considered an “extreme sport,” scuba diving can be very safe and, as I have found, amazingly fun (albeit not cheap)! You don’t even have to live near an ocean to dive as there are quarries, springs, or lakes just about anywhere that you can explore. The first step is to get certified through an organization like PADI. There are more than 6,600 PADI certified dive centers worldwide with a full range of classes including basic and advanced scuba, wreck diving, rescue certification, digital underwater photography courses, and much more. With diving, the world is your ocean—literally! 13. Cooking I used to like cooking… then I had kids. Enough said. However, there are so many new cooking shows out there that even my kids are now into it. Many places around the country offer family or group cooking classes where you can get step-by-step instructions as you work to create culinary masterpieces. Then, you get the advantage of being able to eat your creations together. And not just main courses. To my kids’ delight, they have been learning how to create decadent desserts. No matter what you choose to learn, enjoy the process (and the fruits of your labor) along the way. 14. Reading Ditch the screens and get lost—in a good book! Not only can reading improve your vocabulary, you get to use your imagination (assuming it’s fiction) which activates your brain rather than numbing your brain while watching TV for hours. This is a hobby you can even do for free by visiting your local library. Yes, you can access books on your mobile devices these days. But nothing beats holding a physical book in your hands and being able to flip through the pages. And if you have kids, your teacher will thank you for encouraging them to read outside the classroom. 15. Take Up an Instrument If you’ve had learning to play the guitar or piano on your bucket list, now is as good a time as any! In fact, make it a family affair and learn something together. The beauty of this hobby is you can learn at any age. It may take a while, but as they say: practice makes perfect. This Johns Hopkins article explores how music can impact your brain function and comes with many physical and mental health benefits that can keep us feeling young. Of course, this is not an exhaustive list. Whether indoors or out, you are only limited by your imagination as far as picking up a new hobby. The goal is to get out there and have fun, try something new, involve the family or even friends, and limit the time we spend looking at screens. I’m especially cognizant of this as a parent. I want to encourage creativity and adventure in my kids as they grow up, engaging in conversations, laughing together, and learning new things. They won’t be around forever, after all. Source: Rebecca Barrack, 5/16/22.

14 Reasons That Will Prevent you from Reaching your 2022 Goals

Here’s a list of reasons you may fall short of your 2022 goals: 1. You’re addicted to instant gratification. Otherwise stated you’re treating a marathon like a sprint. 2. You’re consumed with the ‘little stuff’ that doesn’t matter (what you’ll wear, what you’ll eat etc..). 3. You spend too much time consuming social media. 4. You’re waiting until you’re “ready” … Reasons come first and answers come second. You’ll never be ready to make a jump in and start swimming. 5. Staying in your head ‘deciding’ if it’s the RIGHT MOVE for you. 6. Worrying about people judging you. 7. Feeling selfish for wanting to change. 8. Telling yourself the ‘timing isn’t right’ because of the pandemic, Thanksgiving, Christmas, upcoming school holiday break, summer holidays… and the list goes on. Remember, start swimming. 9. Worrying that you’re rushing it and will regret it later. 10. Feeling that you’re unworthy and not deserving. 11. You don’t surround yourself with people that can help you. Your greatest successes come through other people… and the people that helped you get ‘here’ will likely not help you get ‘there’. 12. You don’t track your progress and therefore don’t realize you’re actually making gains. 13. You made a list of things you want but not a list of WHY you want them. When I do anything worthwhile, I create a list of reasons WHY I want to complete it and each time I get frustrated, rather than quitting… I read my list of REASONS. BOOM… bigger picture dominates the little picture and I push on. 14. This one need to be the first and the last. You’re addicted to instant gratification. Otherwise stated you’re treating a marathon like a sprint. You heard it here first. In Gratitude, Paul Source: Dr. Paul Inselman, 911profit, 3/26/22.

10 ways to use online reviews to beat the competition

1. Update your Yelp Page Start by claiming your business on Yelp and updating your page. Make sure essential information is correct so customers can easily find you. This includes your website, phone number, and hours of operation. 2. Respond to every review When choosing a local business, 78% of customers feel that an owner or manager responding to reviews is an important factor (BrightLocal). Your response isn’t just for the reviewer. It’s a message that prospective customers will see when they are considering your business. A polite and helpful response is a signal that you appreciate happy customers and take negative feedback seriously. 3. Personalize your responses Make review responses stand out by personalizing them. Pick something specific from each review to call out in your response. Imagine a customer raves about fast service. You might respond with, “We’re so glad we were able to serve you quickly! Fast service is something we’re obsessed with.” Personalization shows prospective customers that you read each review and truly care about providing a great product, service, or experience. 4. Reply to negative reviews Don’t shy away from responding to negative reviews. Customers typically don’t trust a perfect 5-star overall rating, so a negative review can actually help you earn more business. An analysis by Womply found that businesses earn the most revenue when they maintain a 3.5- to 4.5-star average. Compared to those with just a few negative reviews, businesses earn 13% more revenue when 15-20% of its reviews are negative. Many prospective customers read negative reviews to see what upset customers have to say and how you respond. Let’s say a customer complains about a long wait. You might respond with: “Thanks for sharing your feedback! We take pride in serving customers quickly and have recently made several improvements to get better. We hope you’ll give us another chance to see the difference!” That response tells other customers you really care and are working to address the problem. 5. Be polite when responding to unreasonable reviews It can be difficult to keep your cool when writing a response to a 1-star review that’s full of errors and exaggerations, but a scathing response can be a turn off for prospective customers. You’ll earn more business by responding politely and professionally. A study published in the Journal of Service Research found that people are more likely to empathize with you when you respond politely to a rude customer. Rather than getting defensive, tactfully offer helpful advice to anyone else who might be reading the review. For example, a customer left a 1-star review for a carpet and flooring company, claiming they had called to get an estimate, but nobody had called them back. The owner politely responded, saying she double-checked her phone records and could not find the message. The owner added that it was unintentional if she missed the customer’s call and was sorry if they let the prospective customer down. The owner’s response gave other customers confidence that a missed call was not a chronic problem, and the flooring company’s 4-star overall rating was justified. 6. Fix problems Reviews contain useful feedback that can help you improve the customer experience—even positive reviews can include insightful, constructive criticism. A popular restaurant with a 4.5-star rating received three reviews in a two-week span that mentioned dirt or hair in items served. The reviews ranged from two to four stars, and each reviewer complimented the restaurant for friendly service. This wasn’t a vindictive review from a single upset customer. It was feedback that signaled a potential problem that should be investigated and fixed. 7. Discover your unique advantage Online reviews can help you discover what makes your business special. A great example is a wine bar in Portland, Oregon called Oregon Wines on Broadway. It has a 3.5-star Yelp rating, but look closely and you’ll find some very consistent themes. People who love it mention a great selection of Oregon Pinot Noir, knowledgeable employees, and a great place to engage in conversation. Customers who don’t like it mention a loud, boisterous atmosphere and rude staff. How can both be true? Because Oregon Wines on Broadway is a great place to go when you want to discover great wine and meet some locals. The atmosphere is boisterous and the employees are pretty salty, which can make it a lot of fun if that’s what you’re prepared for. But it’s definitely not the place to go for a quiet, romantic date. 8. Don’t solicit reviews Yelp prohibits businesses from asking customers for reviews, but there’s another reason why soliciting reviews is a bad idea. A customer’s last experience with a business tends to be one of the most memorable. When you ask for a review, you’ve just made your request the last thing customers remember, rather than their great experience. Here’s an example: A landscaper installed a new front lawn at a customer’s home. When the homeowner mentioned how much he loved his new lawn, the landscaper asked him to write a Yelp review. In that moment, the customer was elated about his new lawn but worried about keeping it that way. This was a perfect opportunity for the landscaper to reassure the customer with some lawn care tips. Instead, the landscaper shifted the conversation from the new lawn to asking the customer for a favor (and failed to earn the review). 9. Be proactive and address issues early The best way to avoid negative reviews (and earn positive ones) is to detect and address problems immediately. A restaurant server asked a table the standard, “How is everything?” question. When one guest hesitantly replied, “It’s alright,” the server sensed something was wrong. He asked a few more questions and learned the guest didn’t care for the lasagna. The guest’s feedback was shared with the chef, who discovered a new line cook hadn’t fully mastered the lasagna recipe. The issue was quickly resolved, and the server invited the guest to come back and enjoy another order of lasagna on the house. Listening and acting on direct customer feedback prevented a negative review and earned the customer’s repeat business. 10. Inspire your employees Share reviews with employees on a regular basis. Positive reviews feel great and can inspire employees to work even harder to serve customers. Negative reviews can also be motivational if you use them constructively as ways to improve. Just be careful to approach negative reviews constructively, especially if the customer exaggerates or is unreasonable. Employees are more loyal to a business when they know their boss supports them. Source: J. Toister, www.yelp.com, 2/12/22.

Why No One Sleeps and What to Do About It

Sleep is a mystery. Sometimes it’s an easy, thoughtless process and other times it’s like trying to find a tiny piece of eggshell in a completely mixed cake batter. I’ve often thought about the mystery of sleep while rocking and coaxing (sometimes pleading) my now 11-month-old to sleep. As an adult, it’s still a necessity and yet rarely a priority. Whether it’s a result of overscheduling, emotional distress, a need to relax, or certain life stages (having young children for example), sleep is often sacrificed to create the extra space needed in our lives. Shocking Sleep Statistics and Trends Sleep Advisor compiled some shocking sleep statistics and trends for 2021 in which they noted that “In 1942, Americans had 7.9 hours on average per night compared to 6.8 hours in 2013, which is a 13% decrease.” Equally shocking is the statistic they sited from the CDC in which “35% of adults don’t get enough sleep (7 hours per day.)” That’s one out of every three people that are not getting the recommended amount of sleep. What could you do with an extra hour of sleep each night? The Power of Sleep While insufficient sleep can lead to a whole host of problems, good sleep can aid in “immune function, detoxification, and increased metabolism” to name a few. If we understood the power of proper sleep, we might just be more motivated to prioritize it in our lives. Dr. Fuhrman, from the Nutritional Research Foundation, links the rise in chronic diseases with the rise in patients suffering from inadequate sleep. He believes that sleep disorders, such as insomnia and sleep apnea, can be treated with diet, exercise, and good sleep hygiene. How Sleep Works As cited by the Sleep Foundation, although decades of research have been dedicated to studying the intricacies of sleep, scientists still have much to learn. What we do know is that within minutes of falling asleep, things in your body and brain change. Basically, your brain and body power down, and you expend less energy. There are also four different stages to sleep which include deep sleep and REM sleep (two of the most well-known stages.) Throughout a good night’s sleep, a person will move through these stages multiple times in what is called a sleep cycle. Our hormones and chemicals play a vital role in our sleep regulation, and it goes without saying that sleep is important. However, all of this science barely matters to you if you’re struggling with sleep. Healthy Sleep Tips So, what can you do about it? The Sleep Foundation created an extensive list of healthy sleep tips to help establish better “sleep hygiene” which include: Creating a Sleep-Inducing Bedroom Optimizing Your Sleep Schedule Crafting a Pre-Bed time Routine Fostering Pro-Sleep Habits During the Day Bypass the Afternoon Slump with Energy Sustaining Tips One of the healthy sleep tips under “Fostering Pro-Sleep Habits During the Day” is to avoid caffeine in the afternoon. Are you tempted to caffeinate when you feel that afternoon slump hit? Before reaching for that second (or third, or fourth) cup of coffee in the afternoon, stop! It may be what’s impacting your sleep. Consider bypassing the afternoon slump with these healthier habits. What is Blue Light and How to Protect Yourself The technological age that we live in has brought even more challenges to sleep hygiene. They certainly weren’t dealing with the effects of blue light in 1942 when the average adult was getting an extra hour of sleep every night. With screens seemingly everywhere we turn, how can we protect ourselves from blue light? Some of the many helpful tips from the article “What is Blue Light and How to Protect Yourself” include: Take screen breaks. Follow the 20-20-20 rule. Every 20 minutes, look 20 feet away for 20 seconds. Start minimizing or eliminating your screen time in the 2-3 hours prior to bed time. Use light-blocking or room-darkening curtains or blinds. Is Over-scheduling Causing You Stress and Inadequate Sleep? Stress can be detrimental to sleep and many families are victim to rampant over-scheduling. If you feel like your life is just too busy for you to prioritize getting adequate sleep, consider the helpful information in this article, “Is Over-scheduling causing you stress?” which includes warning signs of overscheduling and what to do about it. Conclusion Sleep is good. Sleep is important. Sleep is a mystery. Source: e. englert, 1/8/22.

How Exercise Can Help Inflammation

Achy joints, minor swelling, even aches related to weather change are common hindrances to pursuing activity goals. Many things can sidetrack us if we let them, whether reasonable or not. However, one of the more viable and common hindrances to pursuing healthy goals can be the pain brought on by inflammation. When our muscles and joints are aching, the last thing we want to do is MOVE. Because it hurts. Let’s explore how we can find the freedom to move again! WHAT is inflammation? Inflammation occurs when the tissues of the body are damaged by things such as bacteria, trauma, toxins, or various other irritants. These damaged cells then release chemicals that make the blood vessels leak fluid into the body’s tissues and swelling occurs. The manifesting characteristics of inflammation are redness, heat, pain, and often loss of function. Acute inflammation, caused by injury, sickness, or even allergies, is generally short-lived and thus typically has only a brief impact on healthy activities. When linked to disease, however, inflammation can become chronic. Ultimately, chronic inflammation, left unaddressed, can have a significant impact on overall health and well-being. We will take a closer look at who inflammation generally affects, why exercise is important, and how the right kind of exercise can confront and reduce the inflammatory pain to keep us moving toward our BEST health. WHO Is Affected? Those who are most commonly challenged by the pain associated with inflammation are those with conditions like fibromyalgia, osteoarthritis, and rheumatoid arthritis. According to the Centers for Disease Control and Prevention, an estimated 23% of the adult population in America suffers from arthritis of various kinds. Another 4 million Americans suffer from fibromyalgia. These conditions are caused and characterized by inflammation in the joints and muscles. Moving can feel painful when these conditions are escalated. Although not moving feels like the right response, it typically does not remove the pain or aid in reducing inflammation. In fact, inactivity can make things worse by creating stiff and weak muscles, leading to joint problems, and pain can increase. Allowing pain to dictate mobility often creates a vicious cycle of pain that can overall health. WHY Is Exercise Important? Foundational to breaking through the pain of inflammation is realizing that exercise is important for the health of the entire body. Cardiovascular and muscular training are innate to developing a strong heart, lungs, core, and limbs. Exercise keeps us functional as we age and provides us with the energy to do those things that are both necessary and enjoyable. Exercise effectively helps to keep metabolism higher so a healthy weight can be maintained. Cholesterol and blood pressure levels are also profoundly affected by exercise. Additionally, exercise is beneficial to mental health. With bodily exertion, “happy” hormones—epinephrine and norepinephrine—are released into the bloodstream which emotionally make us feel good! As we can see, because keeping the body moving is so very important to overall health, climbing over the hurdle of inflammation is worth the effort required. Ultimately, an immobile body tends to slowly decline because the important functions the body was naturally designed to perform are hindered. In a nutshell, exercise is key to every aspect of our health. HOW Does Exercise Benefit Inflammation? In most cases, exercise can have a significant impact on reducing inflammation. Positive and life-changing benefits come from gradually implementing movement, giving the body an opportunity to respond on the cellular and chemical levels in a natural way to reduce pain. With a doctor’s approval and recommendations, simply starting to move in small ways will begin the journey toward mobility. Recent research done by the University of California-San Diego School of Medicine found that even 20 minutes of moderate intensity exercise can be enough to suppress the production of the pro-inflammatory cellular components in the blood. Exercise naturally ignites the body’s sympathetic nervous system, which promotes the release of those “happy hormones” we talked about earlier. Those same chemicals that make us feel good after exercising also work to reduce inflammation. That’s what we call a win-win! Also, important to understand is that only moderate intensity exercise is necessary to experience these benefits. In other words, we don’t have to get out and sprint down the block 10 times to trigger this positive body response - a sure relief to anyone experiencing pain. Merely 20 to 30 minutes of moderate exercises like brisk walking can be enough to provoke the hormonal response that reduces inflammation. And there is more. Another important body response to exercise when joints are put in motion is that synovial fluid is released, which both lubricates and reduces swelling in the joints. Most of us have experienced stiffness in our joints and extremities after sitting or lying down for an extended period of time. After taking a few “creaky” steps, however, we loosen up and within a few minutes, the stiffness and associated pain subside. This has everything to do with the body’s lubricating systems being dormant and then rising to perform as they are called upon with movement. Being active helps keep these systems efficient and ready to provide the body what it needs to function in a pain-free way. Let’s Get Started The most important things to remember are: The first steps should be “small” ones. There is no need to rush! If you are just starting out, try to make very gradual increments of change and notice how the body will adapt to what is demanded. Here is an example progression. 2-3 minutes of easy walking. Brisk walking, cycling, swimming (try to gradually work up to 20-30 minutes). Simple bodyweight strength exercises like wall squats, lateral leg lifts, planks, and pushups (modifying as necessary). Gradually, resistance bands can be introduced, increasing the resistance level as joints and muscles adapt. Finally, remember that as exercise time increases and new challenges are being considered, it is always best to consult with a doctor if there is any question as to what is appropriate or wise. Remaining mindful of how the body is responding is important and any concerns should always be addressed with your doctor or physical therapist. Conclusion The body is an amazing creation! The components that make up the human body were wonderfully designed by our Creator to work in tandem for optimal function. When any part of the body is not working to its potential, it can be very discouraging and will most certainly impact the body as a whole. Pain is never fun and can be a powerful deterrent to an active and healthy lifestyle. Armed with the proper knowledge, hope can be found in breaking through that cycle of pain. As wisdom and patience are applied in a practical way, the body will be given what it needs to grow healthy. The joy of movement can be restored! *If you have any questions about diet, exercise or nutritional supplements that can help you reduce inflammation; ask one of the doctors at our office. Source: Medical News Today; 11/17/21.

The Rules That Create Millionaires

1. Never spend more than you make - When I was 10, I started cutting grass to earn money beyond my meager allowance. Minutes after earning my first buck, my mom was stuffing me in the car for a trip to the bank to open my first passbook savings account. Fifty years later, priority one is still to put something aside from every paycheck and send out less than I bring in. Of course, life being what it is, hasn’t always worked out that way. But in general, getting richer every month is as simple as spending less than you make, and getting poorer is as simple as spending more than you make. 2. Avoid debt like the plague - Most people treat debt as if it’s a normal part of life. They divide it into categories like “good debt” and “bad debt.” They discuss it endlessly, as if it’s some mathematical mystery. Debt is not complicated. Paying money to temporarily use other people’s money makes you poorer. Charging money to temporarily let other people use yours makes you richer. Since paying interest makes you poorer, you only do it in two situations: When you have to in order to survive When you’ll earn more on what you’re financing than what you’ll pay to finance it Unless borrowing is ultimately going to make you richer, don’t do it. 3. Buy when everyone’s freaking out, and sell when everyone thinks they can’t lose - Rich people ring the register when the economy is booming, but that’s not when they created their wealth. You get richer by investing when nobody else will: when unemployment is high, the market is tanking, everybody’s freaking out, and there’s nothing but fear and misery on the horizon. The cyclical nature of our economy all but ensures bad times will periodically occur, and human nature all but ensures that when bad times happen, most people will freeze like a deer in the headlights. But downturns are the time you’ve been saving for. If you think the world is truly ending, buy canned food and a shotgun. If not, step up. As billionaire investor Warren Buffett famously advised, “Be fearful when others are greedy and greedy when others are fearful.” 4. You can either look rich or be rich - When I worked as a Wall Street investment adviser, I quickly learned that people who have tons of money most often don’t look like it. They don’t have to. So, who are the big shots wearing the fancy suits and driving the Porsches? Often, it’s the people who make a living selling stuff to the rich people. I can’t remember the last time I wore a fancy suit. I’ve never owned a new car, and I live in a house that’s worth about one-third of what I could afford. Diverting your investable cash into things like cars, clothing, vacations and houses you can’t afford will make you look rich now, but prevent you from actually becoming rich later. 5. Live like you’ll die tomorrow, but invest like you’ll live forever - You should always strive to get as much out of life as you can each and every day. After all, you could die tomorrow. But here’s the thing: You probably won’t. Put something aside so you can continue soaking up what life has to offer for as long as possible. 6. Time isn’t money, money is time - Whoever said “Time is money” had it backward. Time is the one nonrenewable resource you have. Once your time is up, it’s up. So, the trick is to spend as much of your limited time as possible doing stuff you want to do, rather than working for other people doing stuff you have to do. Money is the resource that allows you to do this. If you go to the mall and spend $200 on clothes, that’s $200 you could have invested. If you’d earned 12% compounded annually on that $200, in 30 years you’d have accumulated around $6,000. Ignoring inflation and assuming you could live on $3,000 a month in retirement, forgoing those clothes today means retiring two months earlier. Of course, you must have clothes. But maybe you don’t need $200 worth, or maybe you could have gotten them for less. It’s your choice: stuff today or time tomorrow. Those who choose the first often stay poor. Those who choose the second often get rich. Which will you choose? Source: Stacey Johnson, Money Talk News, 10/21/21.

25 Suggestions That Will Make a Butt-Kicker Out of You

‘Progress Equals Happiness' I can say a lot of things, but I don’t think I can say anything more impactful for the average person than that. List these 7 areas of your life: Physical body, mental health, family, finances and contributions, career, relationships, and spirituality. The areas above where you feel ‘happiness’, are the ones where you have had recent progress. The areas above where you feel ‘frustration’, are the ones where you have no recent progress. Here are 25 ways for you to make progress today and EVERYDAY: 1. Sleep well. 2. Learn daily. 3. Eat clean food. 4. Drink lots of clean water. 5. Walk every day. 6. Have three important things to accomplish each day… start your day completing them. 7. Do something kind for a stranger, that behavior will leak into your closer relationships. 8. Set aggressive timelines so you become more productive. 9. Write down three things you’re grateful for every morning to start your day (don’t just think of them… write them down with pen and paper). 10. Don’t work to be the best… work to be the ONLY! 11. Judge less and be judged less (life is a mirror). 12. Set a MONSTER worthy goal that matters to you. Get emotional leverage on yourself. 13. Show others you love them. 14. Don’t be wasteful with your time, focus or money. 15. Track your finances. 16. Fail fast. 17. Learn new skills. 18. Concentrate on finishing rather than starting, you’re measured in life by what you finish not what you start. 19. Invest. 20. Journal. 21. Meditate. 22. Get a mentor and a coach. 23. Tell yourself you can accomplish ANYTHING and believe it. 24. Build your network. Your greatest successes will come through others. 25. Get around people that think BIG. Bonus: Rather than seek focus… eliminate distractions. Double Bonus: You’re going to die anyway… you might as well try. Make small progress in each of the 7 areas and watch how your life transforms. When one area falls away make sure the others do not follow creating a negative feedback loop. You heard it here first. You can do ANYTHING THAT YOU PUT YOUR MIND TO! Who is holding you accountable? Source: Paul from 911 profit, 10/3/21.

I’m a Cardiologist, and These Are the 5 Things I Do To Keep My Heart Healthy

Here's a fun fact: the average doctor visit takes 17.5 minutes. That means you have less than 18 minutes to go over your vital signs (weight, blood pressure, temperature, all that jazz), talk through how you're feeling, and ask your doctor questions before they have to see another patient waiting in the next exam room. Clearly, it's not often that people have the chance to pick the brain of a doctor—which is why it’s ultra exciting that Jennifer Haythe, MD, director of cardio-obstetrics and internist at NYPH/Columbia, is sharing an inside look at the things she does to keep her heart in tip-top shape. “Cardiovascular disease is the number one cause of death for men and women in this country,” says Dr. Haythe, who is also the co-director of the Women’s Center for Cardiovascular Health at Columbia. “The key to longevity is to take really great care of your heart.” Dr. Haythe explains that your heart is a muscle and, therefore, like your other muscles, it needs to stay in shape. “It's also intimately connected with your neurological system,” she says. “So your mood and stress levels have a huge impact on how your heart feels.” What are the heart health tips that a cardiologist lives by? See for yourself, straight from Dr. Haythe. 1. Set exercise goals Dr. Haythe loves to run, and says that setting goals for herself, like signing up for a half or full marathon, helps her to stick with a regular exercise schedule. “Doing at least 45 minutes of vigorous cardiovascular exercise four to five times a week is a part of my life,” she says. Thankfully, you don't have to be a runner to take care of your heart. The American Heart Association recommends adults get at least 150 minutes per week of moderate-intensity aerobic activity (like brisk walking, dancing, or even gardening) or 75 minutes per week of vigorous aerobic activity (like running, cycling, or swimming laps). You can also do a combination of both to make sure you clock in your weekly recommendation of heart pumping activity. 2. Stick to a Mediterranean style diet The word "restrictive" isn’t part of Dr. Haythe’s eating vocabulary. Instead, she says, she uses common sense to guide her plant and fish based diet, limiting red meat to once every two weeks and relying on olive oil, fish, chicken, legumes, fruit, and nuts as staples. “It's okay to have fries and pizza now and then—just make them delicious ones!” she added. Take it from a heart doctor; you have to live a little. 3. Prioritize healthy sleep habits Dr. Haythe says she aims for about seven hours of sleep each night, “even though it's not always possible." This makes sense, given that a recent study published in the Journal of the American College of Cardiology, shows that too little—and too much—sleep can lead to a higher risk of a heart attack in adults. According to the study, people who slept less than six hours of sleep per night had a 20 percent higher risk of a heart attack; on the other hand, people who stayed in bed for more than nine hours per night were at a 34 percent higher risk. “Sleep is essential to heart health and your heart rate slows and blood pressure comes down with sleep,” Dr. Haythe says. She also favors reading instead of screen time before bed, which helps her to fall asleep and stay asleep more easily. 4. Try meditation Dr. Haythe doesn’t consider herself a meditation pro, but she said she relies on the Calm app on her phone to try and score 20 minutes of focused relaxation time every day. “Meditation slows the heart rate and lowers blood pressure, which are both great for the heart,” she says. If sitting on a cushion just isn't your thing, there are other, more active forms of meditation you can try, like cooking, walking, or just taking a long bath. 5. Take care of your teeth When you think about heart health, you might not link it to brushing and flossing, but Dr. Haythe says you should. “Poor dental and gum health are linked to heart disease, so I get my teeth cleaned twice a year,” she says. Indeed, a 2018 study of 682 people showed those who brushed less than twice a day and for less than two minutes tripled their increased risk of cardiovascular diseases compared to those who said they brushed at least twice a day for at least two minutes. Source: well+ good, 8/28/21.

5 Junk Food Alternatives for Healthy Living

When life gets busy or stressful it is so easy to fall into the convenience and comfort of junk food even though we know it’s bad for us. “Consistently eating a diet high in processed ‘junk’ foods and low in nutrient-rich foods has been shown to increase risk of obesity, heart disease, stroke, type 2 diabetes, some types of cancer, depression, digestive disorders, and mortality,” Medi-Share Registered Dietitian Megan Moore said. However, there is a way to avoid the junk and still feel like you have a little comfort in your food. Check out these 5 Junk food swaps and feel good while you snack! 1. Fruit snacks Are they fruit or are they candy? Some may have fruit juice in them, but most are primarily sugar and made of a gummy texture that sticks to your teeth. My daughter loved these until she started having issues with her teeth and these were the culprit. Try dried fruit like dried apples or apricots. The sugar content is higher in dried fruit than fresh fruit, but dried fruit will still give you some nutrients while feeling like a treat. Fruit leather is another good option that comes packaged. 2. Soda As a child, getting your own can of soda at a party was a rare and special treat. Now soda, pop, cola, or whatever you call it, seems to be abundant and always available. The bubbles help to open your senses in a satisfying way, but be cautious of the 150 calories and 39g of sugar the average can contains. Instead, try sparkling or fruit-infused water. Either add lemon or fruit to your own water bottle or buy a flavored version. When buying sparkling water, it is still a good idea to check those sugars – specifically artificial sugars. I recommend a naturally flavored version like zero-calorie LaCroix. For a fun twist try SANPELLEGRINO Momenti, an Italian sparkling drink with real fruit juice. This drink will give you just 35 calories and 7 grams of sugar, but feels like a sophisticated treat. 3. Ice cream and Milkshakes Ice cream and milkshakes have been a part of family outings and gatherings forever. There is a time and place where the experience of going out for these things with a group creates a special experience. However, I would challenge you to think outside the box when consuming these things at home. Making a smoothie or fruit-based ice cream at home can boost your nutrient content while still providing a chilly treat. 4. Candy Bars A great alternative to a packaged candy bar is an energy ball. These are homemade but easy to make. Once made, they are easy to grab which will make them a good choice when you are looking for a quick convenient snack. You feel so much better after eating a couple of these over a packaged candy bar. They are most commonly made with peanut butter and chocolate chips, but you can get creative! You can add sprinkles and pea protein or mix in dried fruit. Just keep the ingredients whole for a true energy ball. 5. Donuts My kids love going to the local donut shop and I admit to occasionally using that as a bribe to get them out the door on time to church. Sundays are our family’s “cheat day,” but I try to make healthier alternatives to our Sunday treats. The average donuts will cost you 250 to 550 calories and 15 to 30 grams of sugar. This much sugar in a small package makes donuts very low in nutrient density and causes our bodies to pump out loads of insulin. Remember, sugar spikes lead to sugar crashes. Instead, make homemade donuts or baked bread with whole ingredients. For the true donut shape consider purchasing a donut pan and bake your own wholesome donuts. Conclusion Junk foods come in many forms. I encourage you to consider what foods cause havoc on your diet and research some healthy alternatives. Ask yourself if you gravitate to junk food because of convenience or cravings. This information will help you find alternatives that still meet that need. The occasional junk food item isn’t going to kill you, but moderation is important. Remember, it’s what you do most of the time that will make the biggest impact. Creating a habit of having healthier snacks available will make a big impact on your overall health, energy levels, and self-esteem. Source: Debbie Ryan, 7/18/21 This article was originally published by Medi-Share and written by Debbie Ryan: https://www.medishare.com/blog/junk-food-alternatives

5 Fun Ways to Eat More Vegetables

Feel better and improve health by increasing your vegetable intake. Getting your 5+ servings a day of vegetables can lower blood pressure and blood sugar levels, reduce the risk of heart disease and stroke, prevent some types of cancer, give you feelings of well-being, and curb your appetite. That’s a lot of benefits! If you have not made a habit of eating vegetables, the idea of consuming a plate full of broccoli may not be something you feel motivated to do. The truth is, the more veggies you eat the more your body will enjoy the taste and how you feel after consuming them. But for now, consider these 5 tips to up your veggie intake while enjoying your meals each day. 1. Veggie noodles—zucchini, squash, carrots, or beets—if you can spiral it, you can make veggie noodles. Some flavors and colors will feel more like a traditional noodle, but sometimes adding color is fun too. Check out the internet for options on how to make Veggie noodles. 2. Add veggies to soups—purée in broth. If you don’t like big chunks of veggies in your soup, no problem. Try roasting vegetables then putting them in a blender or food processor. Add the puréed vegetables to your soup broth. It will add flavor and thickness to your soup, making it satisfying and healthy. 3. Smoothies—this is one of the easiest ways to get leafy greens in your diet each day. A hand full of spinach or baby kale will blend right in. Allow your greens and water to blend a bit longer before adding other ingredients to help them chop up nicely. Then add in a few fruits as well as an avocado or other boosters. Smoothies are cool and refreshing ways to sneak greens into your diet. 4. Experiment with Cauliflower—before you turn your nose up at cauliflower just being “white broccoli,” hear me out. Cauliflower is booming in popularity lately because people have experimented with the possibilities. If made correctly, most cauliflower recipes don’t taste like the vegetable but the flavors they are made with. What makes cauliflower so great is the great texture you get from it—from rice to pizza crust to a whole roasted cauliflower. Numerous times my family didn’t even know they were eating a vegetable version of a beloved carb and, in some cases, preferred it. Season it well and you will be surprised at the taste. 5. Savory oatmeal—oatmeal gets rave reviews for its fiber-packed goodness, but it does not need to be eaten sweet. Try a savory version for breakfast, lunch, or dinner. My sister introduced me to a kale and mushroom steel-cut version last year. Instead of cooking the oatmeal in water, cook it in vegetable broth then add in mushrooms and kale. This recipe is delicious and will change the way you think of oatmeal forever. If you can incorporate a few of these into your routine; you will soon feel energized and healthy. As you start to eat these foods and introduce them to your family. Your kids will start to acquire the taste of vegetables early and you will all benefit some these small changes. Source: Debbie Ryan, 6/16/21 This article was originally published by Medi-Share and written by Debbie Ryan: https://www.medishare.com/blog

6 Life Rules That My Mom Taught Me

By Dr. Paul Inselman, owner of Proven Profit Solutions My heart is broken. My mother, Elizabeth, passed away on February 28th. For those that have never buried a parent I suggest that you wait 200,000 years. For those that have, my heart goes out to you more than my previous condolences ever could have conveyed. This is the so much harder than I ever thought possible. The good news is each day gets better. Growing a chiropractic practice or a business can really be distilled down into several powerful lessons that my Mom taught me. 1. Be Yourself Your patients, clients and customers can see and smell BS a mile away. Just be yourself. You will have more fun and the people who you attract will want to be with YOU, not the façade you created. 2. Don't Worry She would say "why worry about things that may never come to pass?" If negative things do occur you will have plenty of time to worry then. How many of your worst fears never came true? 3. Always Act With Integrity Integrity is what you do when nobody is looking. If you always act with integrity, you can never go wrong? 4. Be Happy and Have a Pleasing Personality She was always happy and had an amazing pleasing personality. She loved her family and she loved being together. What would happen if you had the same disposition in your business every single day? 5. Take Care of Others, Especially Those Who Are Less Fortunate My Mom taught me well. Last year I donated over $250,000 in pro bono work saving 54 business from going bankrupt. Don't worry about giving stuff away. Take care of others. When you help someone less fortunate you will automatically help yourself. 6. Go After Your Dreams and Don't Take No For An Answer My mom was a fierce competitor and was way ahead of the woman's liberation movement. She hunted, she fished for sharks and other big game in the sea. She would never accept the word no. To her no meant figure out another way to get to yes. That was probably the biggest and best lesson that she taught me. My Mom was a very special lady. Super-Model material in her younger days. A fierce athletic competitor, great cook, great wife, mother, grandmother and friend. At 85 she had 36 people attend her Zoom funeral. Not a bad send off. She had an incredible dash. If you don't know what I mean by the dash; it is the dash between your birthdate and death date. 1935-2021. Mom, I love you and miss you. Till we meet again. Obsessed with your success, Paul Inselman PS: If you have parents treat them better than gold. You will be happy that you did. I have no regrets; my Mom knew how much I loved her because I showed her in some way every single day. I hope this very personal newsletter helps you in some way. Source: 911 proven profit solutions, 5/25/21

7 Steps to Spring Clean Your Financial House

A popular New Year’s resolution is to get your financial house in order. But if addressing money matters wasn’t your goal in January, spring is the perfect time of year to get started! In this season of new beginnings, there are plenty of steps you can take to freshen up your finances. Spring cleaning your home is a big project, but it’s easier if you tackle it room-by-room. You can tidy up your financial house in the same manner by going step-by-step and not getting overwhelmed by trying to do everything all at once. You’ll thank yourself as you enjoy the lazy days of summer, knowing you’ve taken action to pay down debt, save and invest for the future, protect yourself and your loved ones, and simplify your accounts and documents. Follow these seven easy steps to master your money management this year and improve your financial health. You can take care of a few of these steps while you check off some of your regular spring-cleaning tasks. Consider tackling others on a rainy weekend morning or in place of scrolling social media feeds for a few minutes each night. 1. Weed Out Your Belongings As you declutter closets, drawers, cabinets, and other areas of your home such as the basement, garage, shed, or attic - you’ll find plenty of items you no longer want or use. Place each item into a toss, donate, or sell pile. Discard the items in your toss pile and donate household goods to local organizations such as Goodwill, Salvation Army, or Habitat for Humanity. Don’t forget to ask the organization for a tax receipt if you think you’ll itemize deductions (rather than use the standard deduction) when you file taxes for this calendar year. Next, decide how you want to sell the items in the last pile. You could host a garage sale or join in an upcoming neighborhood yard sale. Facebook Marketplace, Craigslist, eBay, Poshmark, and ThredUp are just a few of the online options where you can sell your unwanted stuff. You can use the money you make from spring cleaning to pay down debt, help fund a summer vacation, or work toward meeting other financial goals. And don’t forget to clean out your wallet too! It might surprise you that up to $3 billion of gift cards go unused each year! 2. Purge Some Paperwork As you organize your home this spring, you might question what to do with your files full of financial documents, too. Organizing what you should keep and shredding unnecessary paperwork is key to an uncluttered, money-savvy home life. The first step is to figure out what to save and which documents you can purge. This depends on the type of paperwork and your financial and tax situation. If you aren’t sure where to start, use these articles to help you decide what important paperwork to keep and for how long and where to store important documents. Make sure to shred any financial paperwork you can discard to help prevent identity theft. If you don’t own a shredder, search online for “shredding events near me” to see if your community hosts free shred events. Don’t forget to clean up your digital documents too. Update and safeguard passwords for your electronic files and mobile devices. Consider an online password manager such as LastPass or Dashlane. It’s also a good time to do a clean sweep of your email and unsubscribe from businesses that may tempt you to make impulse buys that bust your budget. 3. Polish Your Credit You may have easy access to your credit score as a benefit of one of your credit cards. And websites such as Credit Karma, Credit Sesame, or Nerd Wallet also offer ways to get your credit score for free. It’s essential to monitor your credit score because of its impact on your overall financial health. Remember, your credit score can influence things like credit card and loan interest rates, insurance premiums, and your ability to land the apartment or job you desire. Have you reviewed your credit report yet this year? You’re entitled to a free credit report annually from each of the three leading consumer-reporting agencies - Equifax, Experian, and TransUnion. Request copies of your credit report at AnnualCreditReport.com. Obtain all three reports at once or stagger downloading them throughout the year. Examine reports and report any errors to the credit bureau. Consider asking for credit line increases on credit cards to improve credit utilization. (Note: If you struggle with credit card debt, this could be a dangerous strategy to improve your credit score.) If you won’t be applying for any new credit soon, freezing your credit may be a good idea to help protect against identity theft. Each credit bureau has directions on freezing your credit on their website and a phone number to call for assistance if needed. Planting new financial habits like consistently monitoring your credit history and score can help your bank account balances and net worth bloom! 4. Refresh Your Budget Spring is also tax season, and there’s a good chance you’ve recently finished your annual tax return (or it’s at the top of your “to-do” list!) After sorting through W-2’s and 1099’s and considering your tax expenses, you’ll want to do everything you can to make sure that your earnings are working for you. Are you maximizing your income? If you haven’t received a raise for a few years, it may be time to ask for one. You could also consider changing jobs and negotiating a higher salary or better benefits package. If you are making more money, try to avoid keeping up with the “Joneses”. Pay down high-interest debt (credit cards or personal loans) or increase investments rather than letting lifestyle inflation take over. Are you struggling to stick to a budget because you’re living beyond your means or because your spending plan needs adjusting? If you haven’t carefully tracked your expenses, it can be challenging to create a realistic budget. There may be many ways to save money if you work to trim your expenses. Did you drop cable TV because of the cost but replaced it with four or five subscription services? Have you called to negotiate your internet bill or asked your lender to reduce the interest rate on your credit card? If you’re too busy to take this on, consider using the Trim app to do the work for you. If you’ve slipped into the habit of grabbing coffee on your way to work, buying lunch, and ordering take-out for dinner a few times a week, you might be spending a lot more money than you realize. There’s nothing wrong with ordering food or going out to eat if it fits your budget! Just make sure that this category’s spending isn’t causing you to fail to meet other financial goals. Consider adding sinking funds to your budget for short-term savings goals that you can expect to need. If you plan to spend $900 for the holidays, add a line item for holiday spending of $75/month to help you reach that goal and avoid debt. Are the kids going to camp, or is a much-needed summer vacation in your plans? Take the expected cost and divide it by the number of months until the event and put aside money each month in your plan to help you save for those goals. 5. Scour Your Bank Accounts While it makes sense to have more than one bank account (checking and savings) and even use more than one lender, some people have more accounts than necessary. You might choose to simplify your finances by having accounts at one brick-and-mortar (traditional lender) and one online lender. Consolidating accounts may help you avoid monthly fees on accounts that require a minimum balance. You can also earn more interest on savings if you move money to an online lender’s high-yield account or certificates of deposit (CD’s). Consider setting up automatic bill payments from your bank accounts to ensure your payments arrive on time. You can also create scheduled transfers of funds between your accounts to help you meet savings goals. If you think you may have left money in an old bank account years ago, search for it at Unclaimed.org. It might surprise you, but there are billions of dollars of unclaimed funds in the United States! Don’t forget to change your passwords on bank accounts and make them strong and unique. Two-factor authentication is another smart move for financial accounts. The same holds for any types of digital wallets you use, such as PayPal or Venmo. 6. Clean Sweep Insurance Policies If you can’t remember the last time you reviewed your insurance documents or shopped for better rates, it’s time to dust off your policies. Putting your monthly insurance premiums on autopay is a great way to make sure payments are on time - but you may be paying a lot more than you need to if you don’t stop to consider the increased costs when your policy renews. Start by reviewing your auto and renters or homeowners insurance policies. Are these policies “bundled” with the same carrier? If not, you may be missing out on significant discounts offered by many insurers. What are the deductibles on your policies? If you have enough money saved to cover a higher deductible in case you need to make a claim, it may make sense to increase deductibles to pay lower premiums. You should also consider the amount of insurance coverage you have and assess whether you need to make adjustments (up or down!) An older, high-mileage car may not need the same coverage it did when you bought it with a loan years ago. But if you remodeled your home or put on an addition, you may need to increase coverage to ensure you have adequate protection. The amount of life insurance you carry may also need to be increased if your family situation has changed. A growing family or a stay-at-home parenting situation are good reasons to boost coverage. If you’ve put off buying disability insurance, it might be time to review whether it can fit in your budget now, too. Research how much sick leave you have available at your current employer and if your employee benefits package offers short- or long-term disability insurance and the coverage level. If you’re self-employed or lack a high level of coverage through work, this protection may be vital to you based on your level of savings and risk tolerance. Spring showers are also a good reminder to consider your needs for an umbrella insurance policy. Umbrella insurance provides additional liability coverage above and beyond your standard insurance policy. Own a pool, trampoline, or dog? Have a teen driver in your household? Rent out property to others? These are all examples of when you may want extra protection from an umbrella liability policy. 7. Cultivate Your Wealth April is the month where organizations countrywide focus on helping people grow their financial literacy and capability. It’s a great time to learn more about managing your finances and investing in your future. Whether you enjoy books, blog posts, podcasts, or courses - there are thousands of free and low-cost resources at your fingertips. Our suggestion is always to read multiple sources and consider the author’s expertise and how they make money before blindly following their strategy. You can start right here on the Medi-Share blog, explore other reputable personal finance sites such as NerdWallet, Investopedia, The Balance, and our site Women Who Money (be sure to check out our directory of blogs and podcasts too). Visit your local library or fire up your e-reader and check out these great books: The $1K Investor: A Guide To Help You Start Investing The Simple Path to Wealth Save Yourself: Your Guide to Saving for Retirement and Building Financial Security Work Optional: Retire Early the Non-Penny-Pinching Way Napkin Finance: Personal finance for visual learners While you’re improving your financial literacy, take steps to improve your current investments, too. Have you increased contributions to your retirement accounts recently? Remember that the power of compound interest lies in investing early and often. You may want to roll over and consolidate old 401k accounts and unify brokerage accounts too. Make sure to analyze fees being charged to your investment accounts. You should aim for far less than one percent to maximize the growth of your investments. Remember to rebalance your portfolio to match your age, risk tolerance, and time to retirement. If you have questions about investing, asset allocation, and diversification of your portfolio, consider scheduling a consultation with a fee-only financial advisor. If you haven’t started estate planning, it’s time to get started with that, too. Don’t skip this necessary process because you think you’re too young or don’t have enough assets to have an estate. Every adult needs at least some of the primary estate planning documents in place, including advance healthcare directives, financial power of attorney documents, and a will. To learn more, read 10 Steps to an Estate Plan. Final Thoughts on Cleaning Up Your Finances This Spring You’ll be set up for organized and healthy finances for the rest of the year if you take time to clean your finances this spring. Whether you need to “deep clean” or simply “spruce up” money matters, decluttering, simplifying, and taking control of your financial health is priceless. You’ll reap the rewards for your efforts as you save time, money, and frustration while going about your busy life. Source: women who money, 4/26/21.

Turning happy customers into customer advocates

Need more business? Customer advocates are your key to more leads — and as a result, more revenue. People are more likely to purchase a service or product based on a recommendation than ads they see or research they have to do themselves. In fact: Ninety-two percent of people trust recommendations from friends and family over any other type of advertising Positive reviews and user-generated content highly impact purchasing decisions as customers want to know real people are using the products and services they are considering “Word of mouth brings in 5 times more sales than paid media” Seventy-six percent of millennials and baby boomers surveyed are more likely to trust content shared by “normal” people than by brands. Referral marketing, advocacy marketing … whatever name you give it, turning your happy customers into ambassadors for your brand can have a big impact on both your reputation and your bottom line. In the wake of the global pandemic, word of mouth marketing via customer advocates is more important than ever. When budgets get tighter, and more people are online reading reviews to learn about the companies they are considering being patrons of, the businesses that have the most people shouting your brilliance from their digital rooftops will be the most likely to survive and thrive. Especially now, customers have their ear to the ground and are listening and watching to see what companies are doing – how they are treating their employees and users, if they are keeping safety top of mind, and even their political stance. It’s critical that you have brand ambassadors on your side, telling others why purchasing from your business is a good choice. Loyal customers vs. customer advocates What’s the difference between loyalty and advocacy anyway? A loyal customer will keep coming back. They will renew contracts and buy things you’re selling regularly. When you launch new courses, books, or other products – they’re the first in line. A customer advocate, though, is more than just loyal — they are your biggest cheerleaders. Customer advocates are the ones singing your praises, referring people to your business and bringing them into your doors. Through word-of-mouth, social media, review sites and more, customer advocates share how passionate they are about your company, your products or services, and everything you do. Customer advocates do the heavy lifting Consider the last time you made a purchase. You likely asked people for their referrals, and made your buying decision based on those recommendations. Perhaps MVE Media stated it best: “With referrals, you basically have someone vouching for you. Therefore, it is easier, because potential clients have a living proof that your services worked and they were good enough to be recommended by the referral.” In fact, MVE Media found that you have a 95-percent higher chance of converting that lead into a customer as well, because the referral did the hard sell and pitch on your behalf. How to acquire customer advocates Now that you know you need customer advocates, what’s the process of transforming a happy customer into your biggest fan, someone who’s willing to promote your business to others? This down-and-dirty checklist might help: 1. Ask for referrals. 2. Offer an incentive. 3. Stay in touch. 4. Nurture the relationship. 5. Turn new customers into new customer advocates. Could it really be that simple? Yes! Now let’s look at each step in this checklist a little closer, to help you get all the fangirls and fanboys spreading the news of your business! 1. Ask for referrals - You’ve wowed the customer and perhaps achieved repeat business. Now it’s time to ask for referrals. But, don’t just ask. Make it stupid simple for your satisfied customers to share your business information. For example, you could send an email they can forward to their database. Or you could share an image on social media and tag them with the ask in the caption or comments. The easier you make sharing your business with the world, the more likely people will be to actually do that for you. Still, asking is not going to be enough for most people to promote your business. Which brings us to step two. 2. Offer an incentive - The incentive is what gets the most loyal of customers jazzed up enough to shout your awesomeness from the rooftops! You might be wondering, though, what kind of an incentive will yield the best results? I’m so glad you asked. Here are the three best incentives: a. Coupons or discount codes for your products or services Everyone likes a good deal. And, if you give them a code or coupon that they can share with their friends, all the better. It will make your advocates feel good to spread the wealth for things they are already a fan of. Anytime a business can offer an incentive, it’s a win-win for not just the two parties that are purchasing, but also for the business. They acquired a new customer, and cemented a relationship with someone who is already a fan! b. Swag and invites to exclusive events Some people like to be the VIPs who get things others don’t have access to. That exclusivity factor is enticing. You could even call your customer advocates your street team, or your wolf pack, and make a spectacle of it. Let’s say you own a company that sells dog treats called Bob’s Barkery. Your street team could be called Bob’s Barkers, and you could host exclusive events like yappy hours (socially distanced of course!) where your customers can bring their dogs for treats, and their owners get treated to beer and wine. Everyone leaves with a custom shirt (including the pups) for additional promotions. Then, to take it to the next level: Offer an extra incentive that if they take pictures in this shirt and share on social media, they get entered to win a gift card for more treats for their dogs. Without having to spend too much money you are that much closer to more shares and hype for your business. c. Cold hard cash Who doesn’t love THAT as an incentive? You could offer your customer advocates cash in exchange for leads that convert. Something as simple as $50 cash for every five paying customers could mean bigger profits for you. 3. Stay in touch - The more you can keep in touch with your loyal customers, the more likely they are to transition into an advocate. A few ways to do this include: a. Automatic emails that you send on their birthdays and customer anniversaries. On the one-year anniversary of their first purchase you could send a note that says, “Happy anniversary,” along with a coupon to buy again. The month or day of their birthday send a nice note with a freebie to get them back in the doors. b. Send text messages, emails and even snail mail of news and upcoming events. c. Give them a phone call — no one really does that anymore, with the exception of that company who’s trying to reach everyone about their expired vehicle warranty, so perhaps it could help you stand out. d. Mail them a surprise care package. For cost purposes, obviously, you’ll want to save this for your customers who are frequenting your business the most, but you get the idea. e. Don’t forget to include your social media handles and relevant hashtags with your surprise care package. 4. Nurture the relationship - Keep nurturing that relationship even as new leads come in. The fastest way to lose a customer advocate? Stop showing them you care. Here’s the thing — people want to feel like they matter. When it seems like you genuinely have an interest in them, they are more likely to preach the gospel of your stellar customer service. The kicker is you can’t just squeeze some leads out of them and then drop them like a bad habit. You have to keep the love going. Don’t neglect them once you start getting more business. A long-term customer advocate is the goal here so that you can keep building on top of all the free promo. If they haven’t reached out in a while, or haven’t made a purchase, reach out to them. Don’t pitch them, just check in. Let them know how grateful you are that they are a part of your business’s community. 5. Turn new customers into new customer advocates - Once you start converting those leads from your current customer advocates into customers, you can start the process of transitioning them into advocates as well. Building relationships and making offers. Converting those offers to sales. Wowing them with the sale, and making them so happy to spread the news of your business. And ‘round and ‘round we go. With a little luck, and a lot of relationship building and nurturing, your business will have several customer advocates bringing you heaps of leads in no time. Who knows? You might get so busy you have to expand your business. Talk about a great problem to have! Source: Ashley Grant, 3/29/21.