Author: Angela Wilcox

  • Four Steps To Overcoming Financial Hardships

    Four Steps To Overcoming Financial Hardships

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    Most of us have times in our lives when financial challenges threaten to overwhelm us. Whether it’s an unexpected car repair, or whether it’s a job loss, financial setbacks happen in most of our lives. At these times, it’s tempting to give up and sink into despair — especially if the setback is a large one.

    However, you can overcome your financial challenges. It takes hard work and determination, but it is possible. Here are 4 steps to take as you work to overcome your financial challenges:

    1. Don’t Do Anything Rash

    First of all, take a step back. In the first blush of a financial setback, the instinct is fight or flight. You want to do something, and do it quickly. However, these types of snap decisions, made when you are under emotional stress, are rarely good decisions. Instead, you are better off stepping back, taking a deep breath, and putting off action. Don’t rush to withdraw money from your retirement account, or make any other similarly large decision. You’re already facing difficulty, and a rash move could make it worse.

    2. Take Stock of Your Resources

    Now that you have taken a step back, it’s time to consider your resources. What do you have available to you? Do you have an emergency fund? Can you cash in some stocks? Do you have relatives willing to help you out? Do you have the option to get a part time job? Is there a side hustle you can start? Can you sell a few items to raise extra cash?

    Take stock of your skills and abilities, as well as number your assets. Once you know what you have, you can start thinking about taking effective action.

    3. Make a Plan Based on Your Resources

    Create a plan to address your situation based on your resources. If you have been laid off, one of your resources is unemployment. Go down to the appropriate office and apply for benefits. Then make a plan to start a side hustle, look for a job, and take other action. In some cases, your plan is as simple as selling some items collecting dust in the attic so that you can buy a new appliance to replace a broken item. Create a plan based on your situation and resources. You’ll be surprised at how much better you feel just for having a plan.

    4. Execute Your Plan and Get Help if Needed

    Now it’s time to put your plan into action. The severity of your financial setback will determine how long your plan needs to be in effect. Look for support as you implement your plan. Get help from friends and family. Devise rewards to mark your progress. Stay motivated and acknowledge how far you’ve come. Eventually you will overcome your financial setbacks and start down the path to financial freedom.

  • Should You Spank Your Child?

    Should You Spank Your Child?

    Parents receive lots of child-rearing advice, including, “spare the rod and spoil the child.”

    But researchers from the Johns Hopkins Bloomberg School of Public Health have discovered that children who are spanked before the age of 2 are more likely to have behavioral problems years later when they enter grade school.

    “Spanking children under the age of 2 puts those children into a higher risk group for behavioral problems later,” says Eric P. Slade, assistant professor at the Johns Hopkins Bloomberg School of Public Health and co-author of a study appearing in this month’s issue of Pediatrics.

    Some children may be more affected than others.

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    The greatest risks apply to white, non-Hispanic children. Statistically fewer black and Hispanic children demonstrated the same problems later in life, according to the researchers.

    Surprising Results

    The study looked at the survey results of 1,966 children nationwide from ethnically diverse households. The children’s mothers were asked to describe any behavior problems in their children. They were also asked if they had received a note from a teacher or school administrator, or a request for a parent meeting at school, indicating a behavior problem with the child.

    Researchers were surprised to find that 39 percent of all children younger than 2 had been spanked at least once in the previous week. And those children who were spanked received an average of 3.4 spankings in the previous week.

    The study is not the first to show a link between spanking and behavioral problems. And other studies have shown that these problems are more pronounced in white, non-Hispanic children.

    But this is the first study to show the effects of spanking or other physical punishment in children under the age of 2.

    Researchers speculate spanking may be more widely accepted among African American families, and therefore is less likely to be seen as unfair or harsh treatment.

    In white families, however, spanking may be more stigmatizing, and frequent spanking before the age of 2 may stem from factors like high parent stress.

    “Parents who are stressed out or angry are more likely to expose their children to that anger,” says Slade.

    The white mothers who spanked their toddlers also had lower annual incomes, less education and were more likely to suffer from depression.

    Lessons for Parents and Teachers

    Slade advises parents of very young children to look at the circumstances that lead to physical punishment.

    “Parents need to use their judgment about how spanking is used in their family and if spanking is obtaining the behavior they’re looking for,” he adds.

    There are also lessons for teachers and school administrators in the study.

    “Educators should know there’s a disciplinary history that precedes when they see children in school,” says Slade. “There’s a long history stretching back very early into the child’s life.”

    Though the study holds important information for both parents and teachers, researchers advise caution when interpreting its results.

    “Parents need to understand nothing in this study indicates spanking is bad for their child, or that spanking per se is a causal factor for behavioral problems later,” advises Slade.

    “But if parents are concerned about the use of spanking or about their child’s behavior, they should seek the advice of their physician or a mental health care provider.”

  • Is Eating Kale Good For You?

    Is Eating Kale Good For You?

    Is Kale bad?

    Kale (and other cruciferous vegetables, including cabbage, Brussels sprouts, broccoli, turnips, and collards) contain a compound called isothiocyanates, which appear to block an enzyme in the thyroid. This enzyme, TPO, is responsible for attaching iodine to the thyroid hormones to make them active.

    Basically, these vegetables are thought to block your body from using the iodine that it needs. If the thyroid doesn’t have enough iodine, the cells start overgrowing and the thyroid gets bigger — this is called a goiter. That’s why these foods are often called “goitrogens,” because they make the thyroid swell as it’s trying harder to make your thyroid hormones with limited raw materials.

    Kale and other cruciferous vegetables are only considered to be goitrogens when eaten raw. When these vegetables are cooked or lightly steamed, this issue goes away.

    Does this mean you should never eat raw vegetables? Absolutely not!

    After all, life is about balance, and nature would not have given us these bountiful plant foods if they weren’t good for us. If you always avoid these foods, your diet will be very restricted, and you would miss a lot of important nutrients.

    Eating raw cruciferous veggies daily at 1 or 2 meals is OK, and periodically doing a medically sound detox program is fine, too, as long as you’re getting enough iodine in your diet. Check out our free online “Supporting Your Liver with Detox” here.

    While this is not scientifically based on studies, my usual recommendation is to avoid eating or juicing raw cruciferous veggies more than two meals each day. (Though you can certainly eat more raw kale than this if you were doing a cleanse, for a short period of time.)

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    Focusing on increasing your iodine intake will help you supply your thyroid with what it needs, and this can offset the goitrogen effect from these foods. Now you can see why the main strategy to preventing a goiter from occurring due to eating raw foods, is to make sure you are getting enough iodine every day! So how should you do this?

    The following Brassica, or cruciferous, vegetables contain isothiocyanates and when eaten RAW and in LARGE amounts, may interfere with your thyroid function, especially if your diet is low in iodine.

    • Arugula
    • Bok choy
    • Broccoflower
    • Broccoli
    • Broccoli rabe
    • Broccoli sprouts
    • Brussels sprouts
    • Cabbage
    • Cauliflower
    • Collard greens
    • Kale
    • Kohlrabi
    • Mustard greens
    • Napa Cabbage
    • Radish
    • Swiss chard
    • Turnip
    • Watercress

    To be sure you’re getting enough iodine to counteract this effect, take a multi-mineral or, alternatively, increase your intake of foods rich in iodine (like iodized sea salt, seaweed, saltwater fish, and shellfish).

    Sprinkling kelp, dulse or nori flakes on your food, or adding a strip of kombu when cooking soups, stews, beans, pasta, rice or quinoa will also provide iodine. Remove the kombu when finished cooking and the minerals will remain in the food.

    You can also do a juice or food/juice cleanse for several days, and not worry about hurting your thyroid. The minerals and antioxidants in the foods and drinks will offset this, and you should continue to take a multi-mineral while you do this. After the cleanse, go back to your iodine-rich diet and enjoy raw foods. (But not every meal!)

    Remember, we’re talking about LARGE amounts of RAW cruciferous vegetables! When you lightly steam these foods, the issue goes away. Isothiocyanates are very important for detoxification and elimination of carcinogens, therefore, we still recommend eating at least one cup of cruciferous vegetables daily, whether cooked or raw.

  • Is Refinancing a Mortgage Worth It?

    Is Refinancing a Mortgage Worth It?

    The interest rate pendulum has swung in favor of homeowners again.

    A steady decline in recent weeks brought down the average rate for a 30-year fixed home loan below 4 percent to 3.92 percent this week, the lowest level in more than a year. As recently as January, the average was 4.53 percent, according to mortgage giant Freddie Mac.

    That’s good news for homeowners who are locked in at a higher interest rate and weren’t able to refinance before rates began ticking up last year. The decline in mortgage rates has spurred a surge in mortgage refinancing. Applications reached their highest level since November 2013 last week, according to the Mortgage Bankers Association.

    A reduction in your mortgage interest rate can translate into significant savings. The key is ensuring they aren’t outweighed by the charges and fees involved.

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    “You want to be careful to do the math and be sure you’re coming out ahead,” said Gary Kalman, executive vice president at the Center for Responsible Lending.

    Here are some tips to help you determine whether refinancing your mortgage will pay off:

    1. UNDERSTAND THE FEES

    Lenders typically charge fees for the mortgage broker’s services, credit reports, a home appraisal and title insurance, among other costs.

    To get a sense of the total costs, start with the “good faith estimate.” It’s a form that lenders are required to provide that details the projected costs associated with the loan.

    Although certain costs of the loan can’t change, including the origination or broker’s fee, costs such as title fees may change until the loan is locked, meaning the interest rate is set, notes Kurtis Baker, a wealth management advisor at Certified Wealth Management & Investment LLC in Princeton, New Jersey.

    The loan officer should also be able to help determine what your total monthly payment would be after the refinancing.

    2. GET A LOW-ENOUGH RATE

    The general rule of thumb is that borrowers need to shave at least 1.5 to 2 percentage points from their rate in order for the refinancing costs to be worthwhile.

    To qualify for the best rate on a mortgage refinancing, borrowers must have proof of income and have equity in their home. About 20 percent equity is ideal, though some lenders will require as much as 30 percent for jumbo loans, said Greg McBride, chief financial analyst at Bankrate.com.

    3. DO THE MATH

    Don’t be fooled into thinking that you’re getting a better deal when it’s simply a new loan with a longer term, warns Timothy Watters, a certified financial planner at Watters Financial Services in Paramus, New Jersey.

    To avoid this, tally up how much you’re paying now in principal and interest and multiply it by the number of months left on your loan. Then do the same calculation using the figures under the new loan.

    “If there’s a substantial difference, it may be worthwhile to refinance,” said Watters. “If there’s not, it may not at all be worth refinancing.”

    Online calculators can help you estimate whether the savings in a refinancing add up in your favor. Try this one from Bankrate: http://www.bankrate.com/calculators/mortgages/refinance-calculator.aspx

    4. DETERMINE WHEN YOU WILL BREAK EVEN

    Even if your refinancing will lower your monthly payment, it will take time to recoup your expenses. So think about how long you plan to stay in your home.

    For example, refinancing from a 5.5 percent interest rate to 4 percent would save $180 a month on a $200,000 mortgage. But the fees — averaging around $2,500 — mean it would take about 14 months to break even.

    To estimate how long it will take for your savings to offset the refinancing costs, divide the estimated costs by the projected annual interest savings.

    Remember to factor in loan points, which borrowers can buy to lower their interest rate further. One point equals 1 percent of the loan amount.

    As long as that is comfortably shorter than the time you plan to stay in the home, refinancing could be a good choice, Baker said.

    The Federal Reserve has a more detailed calculator for determining the break-even point on a mortgage refinancing here: http://www.federalreserve.gov/pubs/refinancings/#breakeven

    5. SHOP AROUND

    Get quotes from several banks and ask that they put their offers in writing, including an estimate for the closing cost and any extras, like loan points.

    Some lenders will allow you to roll the refinancing fees into your loan, sparing you upfront costs. However, this will increase how much you owe — and pay interest on — for the life of your loan.

    Ask that the lender provide you with a comparison of the loan costs paid upfront and rolled into the loan.

    Is Refinancing a Mortgage Worth It?

  • When Is It Time to Let Go of a Relationship?

    When Is It Time to Let Go of a Relationship?

    For the better of three decades, the media has tackled the problem of failing relationships and how they can be saved. The great self-help giants, John Gottman, Harville Hendricks, David Scharch, and M. Scott Peck, opened the doors and many other wonderful writers have followed. Separately and together, they have offered profound advice on how to choose the right partner, build a great relationship, and fix it when it’s faltering. Their message is heartfelt and well-intended:  every relationship, given the right direction and hard enough work, should somehow succeed.

    But sometimes, no matter how hard partners try, their relationships just don’t work. Quality partners who have lost each other usually feel terrible about hurting the other and saddened at their own feelings of failure. Because there is so little support out there to comfort them, they are often reluctant to talk about what happened. It’s just not fashionable anymore to give up.

    The fact is, that many relationships should end. That is especially true when both partners have done all they can, aren’t even sure why things went wrong, and are weary of trying. Sure, there may be a contingent of difficult people who just can’t get along with others for any length of time, run when intimacy deepens, or just prefer sequential relationships for their own reasons.

    But, for the most part, new lovers want to please each other, to deepen their connection, and to overcome their barriers. When they’ve tried everything they can, and the relationship still doesn’t work, it should not be about fault, shame, blame, or fear of trying again.

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    There are some real and justifiable reasons why good people cannot seem to get past their relationship difficulties, no matter how much energy and time they have devoted to each other. If they’ve done their best and end in appreciation of the other’s efforts, they need not to linger in the grief of failure, but to use what they’ve given each other to form a better foundation for the next time around.

    If well-intentioned and caring people can, without guilt or blame, recognize the symptoms that tell them that they need to let go, they can end their relationship without resentment or feelings of wasted time. If couples stay too long in a relationship that can’t get better, they risk losing the opportunity to cherish the lessons they have learned together.

    Here are the eleven most common symptoms that herald a relationship that is likely to end:

    1)     Small Irritations that Grate over Time

    Every new relationship has both good interactions and not-so-good ones. New lovers do their best to appreciate the naturally satisfying connections and ignore those that are irritating. Unfortunately, over time, some of the distressful behaviors begin to fester and are harder for the other partner to ignore. They can be little things like leaving clothes on the floor, being chronically late, or forgetting a promise.

    There are also more serious ones like still staying close to an old boy or girl friend, getting a little too drunk, or not paying bills on time. When these upsetting behaviors hit a critical mass, the other partner may be unable to tolerate them anymore.

    When the good connections are eroded by accumulated resentments, the relationship’s balance shifts in the wrong direction, and the good that once kept the partnership intact becomes buried under layers of disappointment and disillusionment.

    2)     Unacceptable Behaviors that were not revealed at the Beginning of the Relationship

    Most new lovers purposefully hide past behaviors that have negatively affected their other relationships. They hope that, once the new relationship is established, their partner will be more likely to forgive those old transgressions.

    No matter how tolerant a new partner may be, there are also certain late confessions that can destroy even the most desirable of relationships. The partner who has bought into believing that the other is trustworthy in those crucial areas, may be unable to accept past behaviors that challenge both that they happened at all and that they were concealed in the first place.

    Here are some common examples:

    Large debts that must be eventually paid out of mutual resources

    An unmentioned child

    Past affiliations with less-than-desirable characters who might crop up again

    A prior marriage

    An inheritable disease

    An intrusive and controlling parent lurking in the background

    Any past hidden behavior that might be unacceptable to a new partner can be a deal breaker when it is finally revealed. Whether one partner should tell another about them can vary by the seriousness of the issue and whether or not its aftermath will ultimately affect the new relationship.

    These common examples can be hard to endure, and it is up to each person when to share them. There are also very serious issues that must be shared up front, even though the risk is high. For instance, if a potential partner has an STD that could threaten health, a vindictive ex-wife or husband, or a prior felony conviction that might affect the future.

    3)     Mutually Exclusive Important Needs

    When caring partners are first together, they accent the ways they can love each other, make allowances for differences, and try to push away as-yet-unrevealed needs in hopes that the deepening love between them will ultimately resolve the situation.

    Sadly, some partners find over time that they cannot live with certain crucially important different needs or desires. Some of the most common are different sexual appetites, disparate dreams, or how to deal with prior partners, but there are many others. How should our money be allocated? What is our ideal place to live? How many children, if any, should we have? Do we take care of our parents? What are our criteria for friendships? How much time away from each other can we tolerate? How do we communicate and can we resolve important conflicts?

    These potential differences rarely come to light early in a relationship. It is only when resources are pooled that partners begin to reveal what they can live without, compromise on, or are unwilling to change. Those differences need to be sorted out with mutual respect and support, but often bring out behaviors that neither partner could have anticipated, nor can live with.

    4)     Diminishing Illusions

    Oh, the blindness of new love. The partners who relish those early moments will hold on dearly to the joy of their bliss. They strive to overlook flaws, and embellish those qualities that make their new partner bigger than life.

    It is totally normal for those exaggerated illusions to diminish over time and the partners grow to know each other more deeply. What is considered highly desirable at the beginning may have a negative downside that isn’t revealed until the relationship matures. For instance, a partner dedicated to his or her mission in life may seem marvelously impressive, but then disappoints that partner by too often prioritizing that commitment over the relationship. A very attractive partner who dedicates a great deal of time maintaining that result might seem too self-interested. A person wonderfully careful about not over spending can, over time, appear stingy and cheap. A passionate partner who is initially highly sexual may be much less so as other priorities emerge.

    A person who promises less and delivers more can be a joy, but it’s a rare quality. New lovers don’t usually focus on potential disappointments. When things quiet down, the partners are in line to make new appraisals of what is good, what needs improvement, and what may be unacceptable.

    5)     External Stressors

    The synergistic energy of a new relationship appears boundless. The couple’s connection makes more than the sum of the parts. Abundant in the energy to face challenge, they feel they can face any crisis, unexpected or anticipated.

    Unfortunately, resources are not endless and too many stressors can erode the deepest of commitments. Major illnesses, accidents, work demands, loss of financial stability, family needs, grief over loss, or a series of uncontrollable disappointments can wear away at a couple’s ability to cope. If those stressors continue, they may lose faith in the relationship’s capacity to survive them.

    Stressors stretch a couple’s capacity to learn and grow. If they cannot triumph over them, they run the risk of finding each other inadequate. Finding fault with each other’s reactions and responses, they will begin to lose trust and separate to solve their problems alone. Sometimes there is just too much heartache, and any relationship can go down when too much is too much.

    6)     Power Struggles

    When love is new, both partners are willing to compromise. They make decisions together, securing each other’s opinions and striving for agreement. Sharing the power to make decisions, they become an integrated team creating mutually-agreed-upon solutions.

    As the relationship matures, one or the other partner may express his or her desires, biases, and prejudices with more intensity. Too often, this process results in reciprocal defensiveness with both partners may resort to defending their positions and trying to pressure the other into complying.

    What might have been a mutual decision to spend all of their time together may become a problem if one partner wants more time alone and the other wants to share that time with others. For example, the more social partner may now want to bring other friends into the relationship, or spend time away without the other partner. Perhaps one partner needs quiet, separate time, leaving the other feeling lonely and abandoned. Either may have used sweet seduction, gentle coercion, or invitation in the past, but now has lost patience and uses more intense persuasions. Perhaps either may threaten consequences that are, in reality, hidden power plays for control. Hurtful struggles replace past compromises as each vies to win the game.

    Power struggles can result in partners just walking away, ranting in anger, creating desperate pleas, or using guilt as a bludgeoning stick.  They may not even realize they are behaving that way, but it is clear that what seems like an innocent invitation has now become a demand with a clear “or else” behind it.

    If power struggles persist, couples go from being a team to adversaries on opposite sides of the playing field. Too soon, they begin to save themselves at the expense of the other’s needs.

    7)     Becoming superficial

    It is hard for anyone to be totally authentic and open in a new relationship. Keeping things light, surface, and non-threatening is more common behavior. But, as love grows, successful couples begin to deepen their communication and take more risks in sharing their vulnerabilities and flaws. They are willing to be known in more vulnerable ways and to listen more deeply to each other. That richness of depth in communication and sharing becomes the couple’s signature of love.

    It is all too common and terribly sad when partners cannot go beyond superficial interactions. Without the courage or capability to allow their core selves to connect, the relationship will fall prey to shallow connections over time.

    There are many reasons why lovers are afraid to connect at a deeper level. Insecurity can make them afraid that their partners will love them less if they know too much. Perhaps, when they’ve tried in the past, they have had bad experiences and felt rejection, abandonment, or invalidation.

    If they’ve tried in their current relationship and not been well received, they may have recoiled and returned to acting in ways that seem less threatening. As intimate conversations become more difficult, a couple’s chance of sharing hearts and souls in a deepening way begins to expire. Soon, they are more likely to share who they really are with others, rather than with each other. Fearful of scarring the relationship further, they stay with comfortable and non-threatening words and behaviors.

    Over time, their interactions become predictable rituals, requiring less and less effort. To others, they may appear to be totally compatible, but they are really just repeating known and secure habitual behaviors. In time they will become susceptible to new and more intriguing experiences.

    8)     Boredom

    Constant discovery of the other partner’s internal and external transformations is the foundation of long-lasting, deepening relationships. Because partners in new relationships are usually “more than enough” to satisfy each other, they often don’t realize that their own independent growth is a necessary requirement for staying in love.

    If a couple has made every effort to know one another deeply and comes to the end of that discovery, they will begin to take each other for granted and put less energy into a dull and habitual relationship. Taking the position of “aren’t I good enough as I am,” or “You knew who I was when we met and it was okay then, wasn’t it?” are rationales that cover the lack of interest in continuous growth.

    Very often one partner moves ahead in his or her evolution and the other steadfastly stays the same. If no amount of requests, pleading, or threatening changes that pattern, the person who was once enthralled will feel entrapped in same-old-same-old, and needs to move on.

    9)     Deadness

    Relationships have two major dimensions, growing and scarring. If a relationship constantly scars and doesn’t grow, the emotional scarring will eventually pervade the relationship and destroy it. If the relationship both scars often but continues to grow, it will be constantly in flux, with partners who alternate between hurting and healing. These relationships often continue for long periods of time but usually eventually exhaust the partners who are in them. When a relationship seldom scars and is in constant transformation, the partners within it are lucky people who will probably never lose interest in each other.

    The last possible combination is a relationship that neither scars nor grows. On the surface, it may seem a magically compatible, quietly successful union, but the lack of excitement and energy observed can be a powerful warning sign that there is trouble brewing. The partners within it may have become robotic and predictable creatures who soon learn each other’s every phrase, action, and thought. They no longer need to pay much attention to know what is going on. There are no surprises, no challenges, and no growth.

    These people seem to go through life as if in a house of mirrors. As long as there is no conflict, they do not color outside the lines nor feel their energy diminishing. If their passive behavior is confined to the relationship, they will eventually have little to say to each other, and even lessened passion. If they are getting their needs for transformation elsewhere, the contradiction between their behavior within and outside of the relationship will eventually erase one or the other.

    10)  Self-Serving Escapes that Become More Important than the Primary Relationship

    Addictions are the most notable examples. Addictive behaviors are simply compulsive, urgent indulgences that take one partner away from the other and cause long-term damage to an intimate relationship. Whether drugsand alcohol, social engagements, involvement in sports or body fitness, or excessive work commitments, they are competing relationships that take precedent over the primary one, and drain its energy.  A partner on the other end of an addictive mate is not given a vote to keep the primary relationship intact. Only the partner who engages in the addictive behavior can make the decision to re-prioritize the energy that he or she is spending elsewhere.

    The triangles between two committed people when one is addicted to something, or someone, else will always diminish the unique bond between them. Whenever something or someone becomes more important to one partner than to the other, the relationship will be threatened. If the addictive partner is not willing to look at the cost of his or her decision, the partner deprived of a vote will eventually become distressed enough to disconnect.

    Any escape that competes, diminishes, or threatens a relationship should be fair play for exploration and repair. Remember, the common resources of a relationship can only be distributed by mutual agreement if the partnership is important to both. One person cannot unilaterally decide to use those resources without the permission of the other without destroying the sanctity of that agreement.

    11)  Escalating Misunderstandings and Misassumptions

    Many people in maturing relationships forget how to listen carefully without jumping to conclusions, especially with regard to what their partners are actually feeling or thinking. They believe that familiarity has entitled them to thinking they know everything they need to about the other, even if one or the other has changed.

    Life’s challenges can steal people’s energy away from their relationship and put its exploration on a back burner. Very often over time, the partners believe they no longer have to make an effort to renew their interest in new priorities. They continue making assumptions based on old or incorrect data, and miss crucial changes and meanings that could alter their responses.

    Soon, the couple’s communication consists of laconic phrases and inaccurate assumptions. They lose interest in each other and fail to resolve misunderstandings. As these destructive interactions multiply, the partners may no longer try to untangle the mess and let the layers of ignored emotional debris accumulate.

    * * * * * * * * *

    Perhaps these warning signs could have been addressed earlier and the relationship would still have had the vitality needed to reconfigure it. But many couples, with the best of effort and intentions, have been unable to stop themselves from destroying the love that was once there. If they have tried their best for as long as they were able, and still found themselves unable to triumph over their relationship heartbreaks, they must leave one another with respect and gratitude, and take the lessons learned as sacred bounty to use them in their next relationship.

    “Many mistakes but no regrets,” would be a wonderful way to end every relationship that has outlived its lessons. To have travelled a journey that began with hope and ended with sadness is not a failure in life unless the partners use blame or guilt to erase what they needed to learn. When the parting occurs, and both genuinely respect what they have shared, a failed relationship need not imply a failed life. Very often, when successful in the next relationship, many people realize that their current positive outcome was a direct result of what they learned from the relationship they lost.

     

    When Is It Time to Let Go of a Relationship?

  • Go to Where Your Customer Is

    Go to Where Your Customer Is

    tech-geekI’m a geek and given the choice I will always choose to hangout with my own “kind”. Having launched a product and started a service business I quickly realised that I had to break out of my habits and start going to where my customers really are. That’s why, when I was given the opportunity to speak to an entrepreneur and startup founder about this subject, I immediately jumped on board.

    Jeremy Kagan is the founder & CEO of Pricing Engine. A web service that helps the “little guy” make the most of online advertising by optimising their resources and budget, while making suggestions on what ads they should invest in. Last May, instead of going to Internet Week in NY or TechCrunch Disrupt, Jeremy decided to build a group of experts and go to where their customers were.

    Pricing Engine along with the guys from GinzaMetrics, nowSpots, OwnLocal and Sailthru, started Local Innovation Labs. A group of venture-backed technology startups who are dedicated to serving and supporting local media by providing revenue generating opportunities. In May, the group packed their bags and headed over to the Media Finance Focus 2012 conference in Las Vegas, where all the old school people were.Here’s the experience in Jeremy’s words:

    “So we went to this conference to kick off what we call Local Innovation Lab and we had basically 5 compatible companies. We did a panel where we talked about how these guys have these great assets, and how there’s good news in digital for them. It’s not all bad news. They have great assets and they are totally leverageable. We’re here to give you the arms in the fight against the people who eat your lunch money.”

    LiL stand at the conference

    The results of this initiative were incredible. People approached them to congratulate their move, they built connections and gained introductions into their organisations.

  • Great Leadership: Purpose Must be a Priority

    Great Leadership: Purpose Must be a Priority

    As the leader of your team, you must clearly understand and be able to pass on the purpose of your organization and your team’s Great-Leadership-Purpose-Must-be-a-Priority--150x150role within that organization. If you don’t know the purpose of your efforts, you certainly won’t be able to inspire your team to success.

    Communicating purpose will take more than requiring your team to memorize the company mission statement, however. It must become part of the culture of what everyone in your organization thinks about, says, and does each day. It will influence decisions made at the top and choices made by the “lowliest” employee.

    Keep your own sense of purpose honed and sharp. You are the leader. Keep that big picture in mind and know exactly where you are and where you are going. Communicate your enthusiasm and dedication. Carry everyone else along with you. It will take energy and effort, but no one said that being a leader was easy.

    Grow together.

    At times, it may seem that everyone has a different purpose, and that paths are diverging. Make sure that everyone sees the way back to the common goal, and that the impact their work will have on it is clear to them. It is as if each team member must make a brick, ensuring that it is strong and free from flaws, and then firmly set it in place, among others, so that the next course can rest safely upon it.

    Friday is a great time to bring your team together, to review the week, discuss the one to come, and end the working day with a sense of triumph, feeling united, energized, and eager for what lies ahea

  • Can One Gain Enough Confidence to Be a good Leader?

    Can One Gain Enough Confidence to Be a good Leader?

    I tend to believe that the reason people lack confidence comes down to 2 things. One, they’ve been beaten up emotionally over the course of their lifetime and thus don’t know how to find confidence on their own. Two, their lack of confidence stems from the unknown.

    leadership-200x300In a strange way, those tips and most of the other posts I write on this blog are geared towards education of what good leadership principles are and how they can be used. I also hope I talk enough about the types of outcomes one can expect if they put some of these principles into action.

    Sometimes it’s not enough to tell someone what to do. For instance, if I tell you how to pick up a box of groceries that’s pretty straight forward and you’ll obviously know why you’re doing it and what the expected outcome is going to be. You probably don’t even need me telling you how to do that.

    But if I’m trying to give you a leadership tip like how to bring team members together when they all act more like individuals, I can’t just throw something out there and expect anyone to follow it without knowing why I’m saying it and how it should manifest itself once it’s implemented.

    If I tell you that you need to learn delegation, figuring that if you don’t understand why you need to do it means you’re either a micro manager or are afraid of what people might think of you if you do it, I then know I need to explain the benefits of delegation, while at the same time telling you not to give all your work away because, well, you need to still do something, and some things will take you much longer to teach than to just do yourself at some levels.

    When people know the outcomes of things by explanation they gain confidence that the action will work, and then they gain confidence to do those things. That works across the board, whether it’s with leadership or not. It might take time and practice, but if shown that something will work, people are usually confident that they can do it as well.

  • Personal Branding-VS Word of Mouth

    Personal Branding-VS Word of Mouth

    When anyone working with you starts to talk about your business, your products or services or you, it’s either because they’re really happy about the experience, or they are unhappy with it. Sometimes the disconnect happens when they feel that interacting with you or your business should “flow” a certain way. There is an expectation of the connection that is not met.  All of your interactions with your connections, regardless of whether they are carried out physically or online, need to be positive interactions that are recalled with a sense of contentment. All too often, we think about putting that best foot forward toward new customers and connections.  Yet, what do you do in your interactions with the current customers and your brand advocates?  What do you do to increase your interactions? Total brand experience is a broad way of describing all the interactions that someone has with you.

    As a result, every single encounter, email, comment, phone call and experience needs to be given its due importance. Feedback is one of the most critical components of understanding your personal brand. Most businesses succeed because they work closely with their customers and integrate any feedback that will improve their services or products. As a business owner, you need to be proactive about listening to your connection’s need. You can find out by asking and listening well to the content and the tone of their answer –