Online Business

Money Matters

Tuesday, 22 November 2016

The World Of Online Business

Whenever I’m asked what I do, and I begin to speak about how I work online, many peoples’ eyes glaze over and they admit they have no understanding of how online business works. And in most cases, they don’t want to know as it all sounds too complicated and way too risky!

Interesting …

Imagine you are looking at a horizon. 

Above the horizon is everything you inherently know about life and business in the ‘real world’. It’s a world where you meet people, where you go shopping in stores and where you work with others in offices, on construction sites or in a retail environment. 

When you have a problem, you speak to someone on the telephone and with a bit of luck, they sort everything out for you. Education is conducted in a classroom and you drive from the supermarket, to the post office to the mall, adding hours to your week but knowing it is a necessary part of managing your busy lifestyle. 

Below the horizon is another world. It’s the world where you meet people on social media, where you shop in virtual stores and where many people work in a remote office via the internet.

It’s a world where problems are sorted out through email, information is available at your fingertips and where you can learn anything from the comfort of your home. You no longer have to drive to the supermarket or the mall as everything you need, or want, can be delivered to your home.

The strange thing is that most of us use the internet everyday. We look up facts, we browse social media sites to keep up with our friends, or our enemies, we follow the news on our tablet or smartphone while we travel to work and we entertain ourselves with videos when we are bored.

There seems to be this air of ‘mystery’ around working online and yet at the same time, many people love the idea of being able to work their own hours from home. If only … is the phrase I often hear. The idea of having the freedom to work from home, to set your own hours and to live the high life, is very appealing.

But lets look at the reality of online business.

The clue is in the word business. 

There is no magic wand that will instantly make you a multimillionaire, no ‘get rich quick’ schemes and no short cuts. 

Working online means you still have to work. And just like any other business, there is a build phase which requires hard work, dedication and a willingness to learn. 

However, the difference is that in the online business world you can automate your processes so that you can sell to people all over the world, 24 hours a day, seven days a week. You can literally be ‘making money while you sleep’.

Never before, have so many people had access to your product or service at the click of a mouse or the swipe of a finger. 

And never before, have you had access to a market that spans the globe. 

The world below the horizon is not a dark underworld full of secrets that only a few people who are brave enough to put everything ‘on the line’ can access. It is available to everyone who is willing to put in the time and effort to create a business that can sustain them, no matter what their age, no matter what they look like and no matter where they live.

When you first started in your current job or business, there was a lot to learn. Somewhere along the way, somebody trained you until you became proficient at the tasks you now do without a second thought. No matter your education level, we all have to learn how things are done.

Online business is the same. 

There are certain ways of doing things that are unique to an internet business but there is also a lot you already know that will translate perfectly across the two worlds. They are in fact a mirror for each other.

There are a myriad of opportunities waiting for those who are bold enough to take the leap into the unknown, to learn some new skills and to take advantage of the chance to build a business in a world that is expanding and growing every day.

Monday, 21 November 2016

6 Ways To be More Financially Independent

We all want to have more money in our pocket, more for the things that are important and for most of us, the security of knowing we can pay our bills, take care of ourselves and our family and have a little put by for when we are old.
In this age of consumerism, it is easy for your money to slip through your fingers without you even realising it. And banks and retailers are making it ever easier for you to spend small amounts every day which over time make a huge hole in your budget.
So in a society that is geared up to make you spend money, how do you maintain a grasp on your finances? How do you ensure that you are getting ahead rather than falling behind?

Cash Is King

Whilst it is highly likely in years to come that we will live in a completely cashless society, for now carrying cash is one of the best ways to keep tabs on your spending. Give yourself an allowance on a daily, weekly or monthly basis and draw out your chosen amount in cash. Having folding notes in your wallet lets you keep track of exactly what you are spending and how quickly it disappears. Keep your receipts to go through each week so you can get a handle on where you money goes and rather than adjusting your allowance, have a look at ways you can reduce your spending. Giving yourself a strict limit and sticking to it, is a great way to ensure you have money for the important things in life.

Loose Change Can Be A Goldmine

Its surprising how much coinage we carry around with us each day. Your pocket jingles when you walk and you have difficulty closing your purse due to the mass of change that follows you everywhere. We often overlook this small potential nest egg as we bring out another note to pay for our purchases. But all that change adds up to a lot of money over time.
If every day when you arrive home, you empty your pockets or wallet of loose change and put it in a bowl in the kitchen, you will be astonished at how much will accumulate. You will not become super rich overnight but its a great way to put money by for your longer term goals. You might even get a ‘free’ holiday out of it in a couple of years!

The No Interest Credit Card

Having a credit card is a great way to improve your credit rating and earn loyalty points. All too often though, we see a credit card as an easy way to enjoy what we want right now but interestingly the opposite can be true. The joy of your purchase is overshadowed by the stress of meeting the monthly payments on top of your existing expenses. And not only that, but the sky high interest payments mean you end up paying far more than you would have had you had saved the same amount of money and bought when you could pay for it outright.
The key to maximising the benefits of your credit card is to pay it off every month ensuring your credit rating is excellent and gathering your loyalty points without the additional interest costs. If you cannot pay in full for something within the next 30 days - don’t buy it. Put the money you would have spent on credit card payments away and purchase when you have the funds together. Not only will you enjoy your purchase when you get it but the anticipation will give you a thrill. Saving for something gives you a huge sense of pride and achievement which far outweighs the instant buzz of having it now when you really can’t afford it.

The Business Of Bills

Household bills take a huge chunk of your income and although they are essential there are ways to take control of these expenses and keep them to a minimum. Life is so busy that we usually don’t make the time to look at our monthly bills, setting up an automatic payment system and letting them run. But the price of commodities changes all the time and in most cases your supplier will not pass these savings on to you.
It may not feel like its worth the hassle but if you make the time to shop around, you could very well find an alternate supplier who will offer you a better deal. Over the course of a year the savings could pay for a holiday or that new television or tablet you are yearning for. Why give money away to big business when you can enjoy it yourself?

Retirement Ready

If you are currently working for an employer you will no doubt be paying into some form of pension/retirement scheme. But do you know where you money is going? With so many different providers, each having different terms and conditions which may or may not give you exactly what you need or expect in years to come, taking the time to check out your current provider to ensure that you are investing your money in the future you want is well worth the effort.

Health Wise

One of the simplest ways to save potential money is to take care of your health. Whilst none of us can predict our future, focusing on wellness is a great way to protect not only your long term enjoyment of life but also your financial health. Invest some of the money you save by reducing expenses into a nutrition plan and exercise gear. Whether you are a gym bunny or love the fresh air, take steps today toward better health and watch your money grow. You will become more efficient, more productive and better able to take responsibility for your future. It could be the best investment you will ever make.
The key to Financial Independence is in taking responsibility for the management of your money. There are likely to be holes in your pockets that can be mended with just a little time and effort on your part.

Why Personal Development Is Vital For Success

There is only one person who is responsible for your success and that person is you. So if you’ve got to a certain point in your career or your business and you feel like you’ve hit the ceiling of what is possible, think again.

"The definition of insanity is doing something over and over again and expecting a different result" - Albert Einstein

Smart man Mr Einstein!

And here’s what another smart and hugely successful man had to say on the subject.

“If you always do what you’ve always done, you’ll always get what you’ve always got.” - Henry T Ford

What is the key message in these quotes?

That doing the same thing will produce the same result.

(Archimedes, another very smart man said this when the truth of a situation dawned on him)

Okay, got it!

But how does this apply to you?

Lets say you want a different outcome from your current reality.

Perhaps you want to be promoted.
Maybe you want to make more money.
Or perhaps, you want to take your business to the next level.

You’ve tried everything you know how to do but nothing seems to work.

There is only one thing left to do … something DIFFERENT!
Here’s Mr Einstein again:

“We cannot solve our problems with the same thinking we used when we created them” - Albert Einstein

Knowledge is power but your current understandings will only take you so far.

To go beyond your current reality, beyond your existing results, you must learn something new.

But you already know this, right?

If you’re a driven and already successful person, you’ve probably invested in your education.
You’ve probably undertaken every up-skilling course within your chosen industry.
You’ve probably engaged in self-learning to expand your knowledge

“What else can I do?”, you might ask
Are you ready for another Eureka moment?

If your success is completely dependent on you, then the one thing you must work on, is YOU.

“Success is not dependent on what you know but on who decide to become” - Allanah Hunt

What makes the most successful people in the world different from the rest?

Why do some people seem to find gold everywhere they look whilst others only find a dead end?

It’s who they have trained themselves to be

It’s the daily habits they have cultivated

In short … its Personal Development

Food & Exercise

Moving your body, moves your mind. Imagine your body as a huge network of electrical circuits. For best results you must keep the conductors polished, the wires clean and the pathways clear. If any of the conduits become blocked or inhibited, the supply of power and the efficiency of the machine are impacted.

The same is true for you. If your body is not finely tuned and provided with the correct fuel, your mind will not work as efficiently and powerfully as it could.

In the same way that updating a circuit board in a computer hard-drive supplies new messages to the software, learning new concepts and acting on them requires a clear path for delivery. Acting differently on a consistent basis involves a change at a cellular level. You cannot receive a new message whilst your electrical pathways are inhibited.


Your conscious mind is a constant hive of activity. It is like a probe that is continuously searching for information, digesting and cataloguing everything it sees. And it does a great job of keeping you organised.

However, your real power lies in your deeper levels of consciousness. Your subconscious and your unconscious mind hold everything you inherently understand about the world and your place within it. These levels drive your behaviour, they provide your motivation and they tell your conscious mind what to look for.

Meditating daily connects you with the wisest and best parts of yourself. It allows you to access the reasons you do what you do and allows you to alter your programming for greater success.

All the most successful people in the world add meditation to their daily practice.

Finding Your Motivation

What is your true motivation for doing what you do? Why do you want to be more successful?

Getting clear on what motivates you can be mean the difference between mediocre and magnificent.

If your motivation is to receive validation from others, to be ‘seen’ as successful, to feel more important and improve your sense of self-worth, then eventually you will become exhausted and demoralised when people fail to recognise your achievements.

For you to push through what you already understand, you must find a motivation from deep within yourself.

It must be a non-negotiable.
It must be important enough to drive your behaviour.
It must matter at your deepest core
A great way to discover this is to write two lists.
List One - What will happen when I achieve my goals
List Two - What would happen if I don’t achieve my goals

It is usually the second list that really helps you get clear about what success means to you.

Goal Setting

Goal setting is more than having an idea of what you would like to achieve.

It’s a road map. It is a blueprint for building upon.

Your goals must be concise, clear, achievable and realistic. You must put numbers and timescales around them, specific measurable parameters which you can chart and implement.

And without clear goals, you will never achieve the success you desire.

Failure to plan is planning to fail” - Benjamin Franklin


You can never go beyond what you believe is possible for you.

It’s not enough to say the words, to pay lip-service to what you want to achieve. You must develop and cultivate a vision for your life, a vision for your success that is as real to you as breathing.

If someone else can do it, why can’t you?

Self-belief is at the core of every achievement, every successful endeavour and without it, you might as well sit on your hands and save yourself the effort.

“Do. Or do not. There is no try.” - Yoda

When your self-belief is strong, when it is real and tangible, success is the natural byproduct.

We all know that success takes work. We know that dedication and tenacity are key drivers of success. But these on their own will not deliver the results you are looking for.

We all know people who work hard, are dedicated and tenacious and yet they never achieve the success they desire, and no doubt deserve. They often become bitter and resentful for others’ success and give up on their dreams.

Don’t let that be you.

Follow instead the men and women who have found success. The ones who have had the courage to look at themselves in the mirror, to be honest about who they are and what they want and who have done whatever they needed to, to follow the path to success.

Go beyond your conscious mind and discover the truth about yourself. Add to your understanding, reprogram your thoughts and change your behaviour.

Only then will you uncover your true potential.

Only then will you see the results you want, show up around you.

Only by doing something differently can you alter your current reality.

Tuesday, 10 November 2015

Mentally Strong People: The 13 Things They Avoid

For all the time executives spend concerned about physical strength and health, when it comes down to it, mental strength can mean even more. Particularly for entrepreneurs, numerous articles talk about critical characteristics of mental strength—tenacity, “grit,” optimism, and an unfailing ability as Forbes contributor David Williams says, to “fail up.”

However, we can also define mental strength by identifying the things mentally strong individuals don’t do. Over the weekend, I was impressed by this list compiled by Amy Morin, a psychotherapist and licensed clinical social worker,  that she shared in LifeHack. It impressed me enough I’d also like to share her list here along with my thoughts on how each of these items is particularly applicable to entrepreneurs.

1.Waste Time Feeling Sorry for Themselves. 

You don’t see mentally strong people feeling sorry for their circumstances or dwelling on the way they’ve been mistreated. They have learned to take responsibility for their actions and outcomes, and they have an inherent understanding of the fact that frequently life is not fair. They are able to emerge from trying circumstances with self-awareness and gratitude for the lessons learned. When a situation turns out badly, they respond with phrases such as “Oh, well.” Or perhaps simply, “Next!”

2. Give Away Their Power. 

Mentally strong people avoid giving others the power to make them feel inferior or bad. They understand they are in control of their actions and emotions. They know their strength is in their ability to manage the way they respond.

3. Shy Away from Change. 

Mentally strong people embrace change and they welcome challenge. Their biggest “fear,” if they have one, is not of the unknown, but of becoming complacent and stagnant. An environment of change and even uncertainty can energise a mentally strong person and bring out their best.

4. Waste Energy on Things They Can’t Control. 

Mentally strong people don’t complain (much) about bad traffic, lost luggage, or especially about other people, as they recognize that all of these factors are generally beyond their control. In a bad situation, they recognize that the one thing they can always control is their own response and attitude, and they use these attributes well.

5. Worry About Pleasing Others. 

Know any people pleasers? Or, conversely, people who go out of their way to dis-please others as a way of reinforcing an image of strength? Neither position is a good one. A mentally strong person strives to be kind and fair and to please others where appropriate, but is unafraid to speak up. They are able to withstand the possibility that someone will get upset and will navigate the situation, wherever possible, with grace.

6. Fear Taking Calculated Risks

A mentally strong person is willing to take calculated risks. This is a different thing entirely than jumping headlong into foolish risks. But with mental strength, an individual can weigh the risks and benefits thoroughly, and will fully assess the potential downsides and even the worst-case scenarios before they take action.

7. Dwell on the Past. 

There is strength in acknowledging the past and especially in acknowledging the things learned from past experiences—but a mentally strong person is able to avoid miring their mental energy in past disappointments or in fantasies of the “glory days” gone by. They invest the majority of their energy in creating an optimal present and future.

8. Make the Same Mistakes Over and Over. 

We all know the definition of insanity, right? It’s when we take the same actions again and again while hoping for a different and better outcome than we’ve gotten before. A mentally strong person accepts full responsibility for past behavior and is willing to learn from mistakes. Research shows that the ability to be self-reflective in an accurate and productive way is one of the greatest strengths of spectacularly successful executives and entrepreneurs.

9. Resent Other People’s Success. 

It takes strength of character to feel genuine joy and excitement for other people’s success. Mentally strong people have this ability. They don’t become jealous or resentful when others succeed (although they may take close notes on what the individual did well). They are willing to work hard for their own chances at success, without relying on shortcuts.

10. Give Up After Failure. 

Every failure is a chance to improve. Even the greatest entrepreneurs are willing to admit that their early efforts invariably brought many failures. Mentally strong people are willing to fail again and again, if necessary, as long as the learning experience from every “failure” can bring them closer to their ultimate goals.

11. Fear Alone Time. 

Mentally strong people enjoy and even treasure the time they spend alone. They use their downtime to reflect, to plan, and to be productive. Most importantly, they don’t depend on others to shore up their happiness and moods. They can be happy with others, and they can also be happy alone.

12. Feel the World Owes Them Anything. 

Particularly in the current economy, executives and employees at every level are gaining the realization that the world does not owe them a salary, a benefits package and a comfortable life, regardless of their preparation and schooling. Mentally strong people enter the world prepared to work and succeed on their merits, at every stage of the game.

13. Expect Immediate Results. 

Whether it’s a workout plan, a nutritional regimen, or starting a business, mentally strong people are “in it for the long haul”. They know better than to expect immediate results. They apply their energy and time in measured doses and they celebrate each milestone and increment of success on the way. They have “staying power.” And they understand that genuine changes take time. Do you have mental strength? Are there elements on this list you need more of? With thanks to Amy Morin, I would like to reinforce my own abilities further in each of these areas today. How about you?

What Element Are You?

Psychologists use all sorts of tests to determine your personality, your predominant way of processing information and the way you see the world. 

Many tests are used by employers to help them decide if you have the qualities they are looking for in the person they hire to do a particular job. Having a good knowledge of your own personality can also help you decide the best career path as well as giving you some insight into the areas you could work on to improve your experience or play to your strengths.

Just for fun but I found it surprisingly accurate!

Friday, 23 October 2015

The Hidden Potential Of You!

I was looking at a picture of an iceberg the other day and it reminded me of an analogy I once heard. 

Human potential is like an iceberg - what you see on the surface is nothing compared to what lies beneath.
What do we know about Icebergs?

An iceberg is a large mass of free-floating ice that has broken away from a glacier. Beautiful but potentially dangerous, icebergs are made up of freshwater ice, pieces of debris, trapped bubbles of air and they wander over the ocean until they melt.

An iceberg floats because it is less dense than the sea water that surrounds it and in fact 80-90% of an iceberg sits below the waterline. Most people have heard the story, or watched a film about Titanic, the ship which on its maiden voyage struck an iceberg which caused catastrophic damage and ended the levels of over 1500 people. The reason the Titanic was destroyed had nothing to do with the iceberg that was visible above the waterline and everything to do with what was hidden beneath.

Scientists say that at most we use 10% of the capacity of our brain and therefore the available knowledge and possibility of human potential is 10 times that which we currently access. Imagine what we could discover, what we could do and what we could achieve if we increased our functioning by even 10%?

At an individual level we tend to think small. We create a vision of ourselves based upon the conditioning of society, our families, our education and our peers. Whatever is ‘acceptable or normal’ in the time of our growing up years, becomes the framework within which we live our lives. 

And yet, just like the iceberg which shows only a tiny part of itself to the world above the waterline whilst plunging the depths below, you too have a depth of potential you may never have explored. The face you show to the world, and more importantly the face you show to yourself is often nothing more than a reflection of the ideas, understandings and limitations of the people around you. 

Imagine if you had been born in a previous time. It wasn’t until the 6th Century that Pythagoras first suggested the earth was round. Prior to this, believe it or not, people looked to the horizon and assumed that the earth was flat. Needless to say they were not keen to sail too far in case they fell of the end of the planet. Now of course we all grow up with the understanding that our planet is a sphere which orbits around the sun. In the same way, once upon a time we had no idea of the size of an iceberg!

Just because something is the accepted way of thinking doesn’t necessarily make it the truth.

The same is true for you. Just because you have defined and limited yourself in a certain way doesn’t mean that you are correct. The picture you create of yourself and what is possible for you is exactly what your life will reflect. 

When an iceberg flips over it causes huge amounts of energy to be released. In fact scientists believe that a rolling iceberg may release as much energy as an atomic bomb and can cause a tsunami or even trigger an earthquake.

What if you too have the power to create a tsunami in your own life? What if everything you thought you knew about yourself if just the tip of the iceberg? What if you were to flip everything you know on its head and look again. What might you see then?

Our brain has a need to categorise things, to put them into boxes as it is essentially a massive filing system. So as we go through life we form ‘measures’ with which we define the people and happenings around us. 

If I say the word success, you will immediately have a picture of what success looks like to you. I can guarantee that the person next to you will have a different definition but the one you create for yourself is the one that governs this part of your life. 

To illustrate the power of this let me give you some questions to ask yourself. The answers to these questions will allow you to see the definition you have formed around success.

If I was successful …

  • Where would I live?
  • How much money would I make a year?
  • What car would I drive?
  • What would my partner look like?
  • What lifestyle would I have?
  • What would my relationships look like?
  • What would I be wearing?
  • What would I look like?
  • How happy would I be?
  • Who would my friends be?

For some people the answers to these questions spurs them on to great achievement. But for most, the definition of success is so far away from how you see yourself now that it erodes your confidence and undermines any feeling of self-worth.

So we push the idea of success to the back of our mind and settle for less than what we deserve, less than what we are capable of and become nothing more than the tip of the iceberg.

There is more within you than you know. Perhaps its time to change your measure of success and define it in a way that is achievable for you. Maybe then, you will discover the depth of your potential that lies just beneath the face you see in the mirror.

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