You Haven’t Peaked, You Haven’t Even Begun to Peak

Congratulations! You’ve gotten your job, bought your house, become financially independent, you can just back and relax, can’t you?

Nope.

No matter how much you feel you may have achieved based on the expectations of society, the fact is that you can always do much, much more. This is particularly true of those who achieved success early, rather spending their professional years grinding away hoping for a break. It can be all too easy to become complacent with your ambitions, and once you feel a sense of security and comfort, those ambitions can quickly fade.

So how do you go about ensuring that you can maintain your dreams and ambitions, despite feeling like there’s nothing left to accomplish? There are many opportunities available to those of all ages who are struggling to find the motivation to continue that ascent and finally reach their peak.

IN BUSINESS

It can be easy for those who have achieved high ranking positions at their company to sit back and relax, believing that the hard work is done. However, the world of business is always changing and so no matter how well you have done in the past, that does not mean you will continue this success in the future.

Those in business always have the opportunity to go even further. This can be either in the same company, aiming for the very top, or stepping out on their own and trying their hand running their own company. Whatever might be decided, the potential is there to further build on your existing successes.

IN LIFE

Whatever your measure of personal success might be, the world is a vast and opportunity-filled place that is always itching for more people to experience. With this supposed financial freedom and comfort, what is stopping you from exploring the myriad of options that our blue planet has on offer?

In the modern age, experiencing the many wonders of the world has never been simpler. You might have put all of your energy into hard work in your professional life, and this hard work now has the chance to pay dividends towards whatever you want to do. Travel the world, climb mountains, live in another country. The possibilities are endless, so take the leap.

IN SOCIETY

Putting effort and time back into society is one of the more noble causes available to people, particularly those who have found themselves with a lot of time to spare. Your neighbourhood will always have the less-fortunate who could do with a helping hand, whether it be as simple as volunteering at a local shelter to looking to obtain Masters in Education online degree and shape the minds of the future.

Furthermore, helping to build a better world for the next generation is one of the greatest gifts anyone can provide. Starting small will soon start to demonstrate an impact on your home and then onto the surrounding areas.

Many people do not have the privilege to explore the many opportunities that life has to offer. Don’t waste away your years settled in something that doesn’t add a lot of benefit to the bigger picture. Everyone can believe that they have peaked, but behind that cloud there are more stairs to climb, so take a step forward, and keep moving, otherwise you risk getting stuck.

Retaining Assets In A World Approaching Paperless Currency

Ones and Zeroes

One of the greatest strengths of a global cashless monetary system is also one of its greatest weaknesses: computational technology. It’s easy to see why. A skillful enough hacker can apportion funds from one account to another, or totally delete money in an account where the account holder is at enmity with the hacker.

While banking systems seek to ensure security as much as is possible, and virtually anyone who reads this already has assets held in a bank account somewhere, there’s still security in the knowledge that you can withdraw physical portions of money as they are needed.

Should the world shift to an entirely cashless, paperless currency system dependent on computers, this will no longer be the case.

Keeping Physical Wealth

In order to overcome this approaching transition, many who have exceptional wealth are moving toward physical assets like property, art, or coins. Gold Krugerrands retain their value by dint of their composition: gold.

And, while it makes sense to invest in things like gold and silver—as value fluctuations can actually make buying and selling these precious metals a profitable enterprise in and of itself—there are also assets which can be purchased that aren’t and visible, and can also represent a dependable means of conserving wealth.

One way to find value in currency that isn’t digital is to purchase monies which are no longer in print, and quickly becoming more rare. The more quickly they disappear, the greater their value becomes as a piece of history. A denarius from the time of Caesar isn’t worth its original value; as an artifact, it’s actually worth much more.

The Zimbabwe Component

At BankNoteWorld.com, you can find Zimbabwe currency for sale from one of the most turbulent eras of the country’s history; according to the site: “These Zimbabwe Banknotes were printed in the hyperinflation period of Zimbabwe from 2006 to 2009.” Given that this three year period took place some eight years ago, these bank notes are quickly becoming more and more rare.

While it’s unlikely that the value printed on the note will be represented equally wherever such notes are purchased (the US national debt is several trillion dollars; it wouldn’t make sense for a trillion dollar Zimbabwe note to come even close), it is likely that the value of such a note will increase from the price at which it was purchased.

Of course it’s impossible to directly pin down how such an asset may appreciate, but with any rare commodity, it is to be expected that asset aggrandizement will gradually take place at the very least concordant with the rates of local inflation. Certainly, with items like the Zimbabwe note, the prime value comes in novelty and historical record. But that’s not to say some inhering value isn’t there.

Collecting Old Currency

Whether you’re buying gold Krugerrands to retain your wealth, or you’re just an avid collector of antiquated currencies, finding a location where such assets can be easily purchased, and are in large supply, can definitely help you in your search.

5 Simple Ways to Organise Small Business Finances

In business, there is nothing more important than making sure that you keep on top of your finances. No matter how strong your idea is and how enthusiastic people are about it, everything will fall apart unless you keep a firm grip on your financial situation. Essentially, it all comes back to making sure that you stay organised and on top of things as much as possible. So, let’s take a closer look at a few ways that you can do this better so your small business has the best chance of thriving and succeeding.

Keep Your Accounts Separate

You will simplify things greatly if you keep your business and personal accounts separate. This way, you are not having to comb back through past transactions to separate the two things. Keep all your deductible expenses in a single place and this will make it so much easier when you get round to filing your tax return. Keeping track of your finances is vitally important in both your personal and business lives so give yourself the best chance of doing this by keeping them separate.

Call in the Professionals

No matter the size of your business, it is always worth calling in some professional support when it comes to your finances. The right accountant and tax attorney will save you money just because of their intimate knowledge of how to make the law work for you. Even though you may be thinking that you can save yourself a quick buck by doing it yourself, this is rarely the case unless you have the intimate financial knowledge required. Making sure that you stay organised all year round is a good way of reducing your number of billable hours.

Set Aside Weekly Financial Time

 

Try to give yourself at least a few minutes every week to check over your finances. This should become a habit that becomes so firmly entrenched that you don’t find yourself with any nasty surprises down the line. Even though you may feel like there are certain things that take precedence, this is one of the most important habits that you can get into as a business owner and one that will stand you in good stead long into the future. Even if there is nothing much to report in a single week, you still give yourself the peace of mind that you are totally on top of everything.

Consider Your Staff

Employing members of your team is one of the biggest expenditures that you can have as a business owner, so you need to make sure that you are getting the most for your money. That is not to say that you just want to cut corners all the time as good staff usually don’t come cheap, but you should still monitor costs of wages, benefits, overtime and any other costs associated with labour. You may find that you are able to save yourself some money by employing freelancers, contractors or outsourcing to other companies. Also, you should be looking for ways that you can keep hold of your team as a high staff turnover inevitably becomes very expensive. There are plenty of ways in which you can keep staff members happy which are worth looking at in more detail.

Don’t Forget to Get Paid

It may seem obvious, but a surprisingly high number of small businesses forget to properly track their invoices and customer payments. The last thing that you want to be doing is working for free – this is always going to be a recipe for disaster. You need to have a proper system in place that allows you to track the payments you are due recording exactly when each invoice is paid, how long customers generally take to pay, and which ones are always late and you have had difficulty in the past. If you can get customers onto a direct debit system of payment, this is always going to be beneficial as you will then know that you are going to receive a particular amount of money at the same time each and every month.

These five tips are a great starting point that will keep you on the road to business finance organisation. First of all, you should keep your accounts separate and set aside a time every week to monitor your financial situation. Calling in the professionals is usually a good idea as they will help you out significantly. Keep track of all your big expenses including your staff and don’t forget to get paid every month!