Are you on track to meet your goals? Understanding your net worth targets by age will help you plan for your (and your loved ones’) future.
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The Sweet Spot
“Success can get you to the top of a beautiful cliff, but then propel you right over the edge of it.” As a Mustachian, thereâs a good chance that you are a bit of an overachiever. Maybe you fought hard to get exceptional grades in school, or perhaps you have always dominated in your career […]
Continue readingHow I Use A Barbell Investing Strategy To Avoid Financial Ruin
Warren Buffetâs #1 rule of investing is ânever lose money!â Weâre all trying to figure out how to get the highest return with the lowest acceptable risk, but âonce in a lifetimeâ risks in the financial markets seem to regularly present themselves these days. Iâve been investing in the markets for over 16 years, 5 […]
The post How I Use A Barbell Investing Strategy To Avoid Financial Ruin appeared first on Good Financial Cents®.
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10 Retirement Investments That Donât Involve Stocks, Bonds or Other Financial Products

Personal Financial Improvement With The Fruit Of The Spirit
How does love apply to money? Is it possible to be joyful even when broke? Do I have the self-control to get out and stay out of debt? Find out more!
The post Personal Financial Improvement With The Fruit Of The Spirit appeared first on Bible Money Matters and was written by Tim Kiser. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.
Continue reading10 Ways to Master a Virtual Career Fair (+ Questions to Ask)
Preparing for a career fair used to mean packing a bag, suiting up, and budgeting more time for travel. Now, preparational tasks include updating video backgrounds and Wi-Fi connections. Swapping in-person events for virtual events may sound like an outlandish…
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The post 10 Ways to Master a Virtual Career Fair (+ Questions to Ask) appeared first on MintLife Blog.
Continue reading8 Fun and Easy DIY Moisturizers
Petroleum Jelly
Once a month, cover your hands in petroleum jelly or thick hand cream, then slip them into some soft cotton gloves for the night. In the morning, your skin will have absorbed all the cream, leaving you with the smoothest, softest hands you’ve ever had. You can also soften your feet the same way (use socks rather than gloves, of course).
Apricot Scrub
Apricot kernel oil, available at vitamin and health-food stores, is rich in vitamins A and E and is an excellent moisturizer. Combine two tablespoons of it with a half cup of brown sugar and two tablespoons of lemon juice for an exfoliating—and hydrating—hand scrub. Massage well into hands, then rinse.
Rosewater-Honey Rub
For rough patches on the hands and feet, try this rub scented with rosewater, which has been used for centuries to soothe irritated skin and is thought to help regenerate skin tissue. Whisk together two tablespoons of it, along with one tablespoon of honey, one tablespoon of apricot kernel oil, and one tablespoon of lemon juice, in a small bowl. To use, rub onto rough patches on the hands and feet, then rinse.
Olive Oil Scrub
We love this olive oil scrub for its simplicity and effectiveness! In a small bowl, add a quarter cup of olive oil and enough sugar to make a damp, runny mixture. Rub it into your hands or feet, then rinse for smooth, moisturized skin.
Dry Rub
In a small bowl, stir together a quarter cup of flaxseed or almond meal and a quarter to a half teaspoon of olive oil. The mixture will be just barely damp. Rub well into dry, rough patches on your feet, then rinse.
Sea Salt
You can pay a lot of money for a fancy sea salt scrub, or you can make your very own version in just a few minutes. Sea salt contains natural minerals not present in regular table salt. It also helps remove dead skin cells and other toxins present in the skin. In a small bowl, add one cup of sea salt and just enough olive oil to make a slightly runny mixture—you don’t want it to be too loose. Rub into dry hands and feet for several minutes before rinsing off.
Sugar
Try this quick hand scrub that combines the exfoliating power of sugar and the lactic acid in sour cream. Mix one tablespoon of sugar and one tablespoon of sour cream together, and rub into hands for a minute or two. Rinse to reveal soft, smooth skin.
Buttermilk-Almond
Try this overnight hand mask to gently remove dead skin cells. Whisk together a half cup of buttermilk and one tablespoon of almond oil in a small bowl. Submerge your hands completely, remove, and allow to dry. Then cover your hands with cotton gloves and leave on overnight. In the morning, rinse your hands well to reveal brighter skin.
For more all natural remedies from all around the internet, check out our Health and Beauty Tips board on Pinterest. And don’t forget to sign up for our newsletter and follow us on Facebook and Instagram!
Image courtesy of Shutterstock.
Continue readingHow to Run a Virtual Brainstorm that Actually Works
Fun fact about pandemic life: Zoom fatigue is real. And not just real, but “widely prevalent, intense, and completely new,” according to Psychiatric Times.
Although we might be avoiding Zoom these days when an email or even a phone call (is it 1986 again?) will suffice, there's one place where video conferencing still shines, and that's the good ol' brainstorm.
Old school brainstorming was creative and connective and interactive—all things difficult, but not impossible, to recreate virtually.
When I picture brainstorms of years past, I see images of big tables full of candy and fidget toys and pens and Post-Its galore. Old school brainstorming was creative and connective and interactive—all things difficult, but not impossible, to recreate virtually.
Today we’ll talk about some virtual brainstorming strategies I’ve seen work really well. And then hopefully, you’ll give one a try.
Choose your occasion wisely
brainstorms shouldn’t be a catch-all for any group conversation.
Back when our biggest workplace woe was a vending machine out of Diet Coke, many of us took brainstorming sessions for granted. But in a virtual world, it's harder to organize, facilitate, and get people engaged.
That's why brainstorms shouldn’t be a catch-all for any group conversation. (Often what you’re looking for is just a meeting.) Brainstorms are a very specific brand of discussion in which a collective of creative voices, ideas, and opinions are necessary inputs to achieve a valuable output.
Because of challenges like Zoom fatigue and burnout, I urge you to be stingy with your brainstorming sessions. They're a fabulous enabler of ideas and solutions, so do use them. But do so strategically and with clear intention.
Because of challenges like Zoom fatigue and burnout, I urge you to be stingy with your brainstorming sessions.
What are some great occasions to host a brainstorming session? Use them when you need to:
- Add or refine product features
- Define a path in a sticky situation
- Solve a complex problem
These and many other scenarios call for a variety of perspectives in which there are no right or wrong answers, but only ideas.
In contrast, many other occasions don’t call for a brainstorm. Like when you need…
- Approval or alignment
- Receipt of a message or direction
- Feedback on a mostly baked idea
These are not brainstorm moments—they're meetings with a much more defined outcome. See the difference?
Figure out the specific problem you want to address
Okay, so you've figured out that your situation calls for a brainstorming session. Now, it's time to make sure everybody who comes to the brainstorm is on the same page before you begin by creating a statement that lays out the specific problem and how you need to tackle it.
Your problem statement might be something like:
We’re losing market share on X product, and we need to define new features to attract Millennial customers.
And here's another example:
This client wasn’t happy with our last deliverable and we need to redefine how we’re engaging with them.
One of your goals is to keep the session short (because fatigue) while maximizing what you take away from it. A clear problem statement allows you to invite your brainstorming participants to get the creative juices flowing ahead of the actual session.
Assign some prework to get things rolling
Now that you've stated the problem or opportunity, it's time to let participants know you’re looking forward to a collaborative discussion and invite them to jot down some early ideas and send them your way.
You can then do some analysis ahead of the session. Did you spot any common themes? Any particular ideas you’re interested in having the group build upon?
Share your findings at the beginning of the brainstorming session. This will give you a strong foundation from which to build.
Get creative with tech
Love it or hate it, video conferencing technology is definitely your friend in a virtual brainstorm. It allows you to create a purposeful connection amongst participants. But you have to understand how to engage them.
When I used to run in-person meetings with leadership teams, I was always intentional about switching up the activities every 30 minutes or so. I’d facilitate a breakout, and then we’d do a quick poll, and then I’d have people plot Post-It notes around the room, and more.
Keeping things changing and moving is a great way to keep adults engaged. According to the Harvard Business Review: "If you don’t sustain a continual expectation of meaningful involvement, [people] will retreat into that alluring observer role."
So take the time to learn the features of whatever platform you’re using, and make the session engaging. Some tactics you might try?
- Use polls to test out early ideas
- Use small group breakout sessions to create mini-competitions between your participants
- Use a whiteboard to replicate a poster board people can plot virtual Post-It notes on
- Use voting to prioritize or stack rank
Of course, talking is part of any brainstorm. But using technology can keep participants from slipping into the shadows without contributing.
Establish norms that serve your purpose
A brainstorm isn’t successful because of how smart its participants are, but because of how much freedom and space their voices are given.
A client once told me this story about a packaging company that was struggling with productivity. Their products had to be wrapped in newspaper before being shipped. But often, as employees were packaging product, they’d accidentally start reading the newspaper, losing precious packing minutes. These minutes added up to lost productivity.
One day the leadership team was brainstorming solutions to this distraction problem and one executive said, “Well, what if we just poked their eyes out?”
Of course, he wasn't serious—the question was absurd and meant to add a little humor. But it triggered a new line of thinking. Eventually, the company established a partnership with a non-profit organization that finds jobs for blind people.
Is this story true? I’m honestly not sure. But it’s a great illustration of the importance of free-flowing ideas.
A brainstorm isn’t successful because of how smart its participants are, but because of how much freedom and space their voices are given.
As the facilitator, what norms can you put in place to ensure that all ideas get voiced without judgment and everyone has a chance to speak?
Here are a few you might consider:
- Use the improv rule of “yes, and.” It means that ideas are never knocked down, only built upon. (Don’t worry, they can get voted down later, just not during the brainstorm)
- Use the two- (or one- or five)-minute rule. Ask people to limit themselves to two minutes at a time, even if they need to stop mid-thought (they can finish on their next turn). This challenges people to be concise and ensures that everyone gets a chance to speak.
- Use a round-robin technique. Circle around the Zoom participants, calling on each person as you go. If someone isn’t ready, they can pass. But this is a great way to prevent introverts from getting overlooked.
What other norms will keep you on track?
Close out thoughtfully
Save a few minutes at the end of your scheduled session to check in on the process. How did it feel for everyone? What worked well and what might you skip next time? Do they have other tactics to recommend?
The best answer to “How do I host a great virtual brainstorm?” is the answer that your own participants give you.
When scheduled for the right occasion and with the right people, brainstorms are a fabulous tool. Don’t be intimidated by them. Just be open to learning as you go.
Continue reading21 Mortgage Questions You Should Know the Answer To
I thought it would be helpful to create a post that answers a lot of top “mortgage questions” that consumers tend to ask in one convenient place. You should know the answers to all of these questions if you’re serious about getting a mortgage and ready to buy a home. Additionally, you might be better [&hellip
The post 21 Mortgage Questions You Should Know the Answer To first appeared on The Truth About Mortgage.
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