7 Steps To Money Success

Jun 20, 2017 8:23 AM

We all desire a self-defined level of financial comfort. For some, this might mean having the ability to pay the bills and have no debt. For others, the dream of elaborate mansions and fancy cars stoke their imagination. In a world where many navigate a rocky financial landscape with little to no financial knowledge, the challenge of attaining financial comfort can be difficult or impossible—leaving far too many simply wishing for happy outcomes. There’s a stark difference between wishing and putting plans into action.

The challenge exists for planners and consumers alike to develop a thoughtful, meaningful and values-based plan that is understandable and approachable. There are vagaries of financial decisions because so much depends on future events.

  • What will the markets do?
  • Where will interest rates be?
  • Will I have significant health costs?
  • What will be the cost of college in 16 years?
  • How much will I really need in retirement?

It’s little wonder why there is so much difficulty and confusion in trying to pin down all these variables.

Before you throw up your hands in surrender, it is vital to consider, decide and plan—simply because not doing so puts in you in an undefinable jeopardy. If you have been hitting the wall, unable to make important decisions, change, and improve your life (financial and otherwise), you will be thrilled to know that help has arrived.

Robert Goldmann has published a book “Act From Choice” (Clarity Publications, LLC) a self-management handbook to help you turn thoughts into action in a way that is positive, approachable, and foundational. This book is a guide for real action. It offers a step-by-step approach for improving your life using methods that work.

We are creatures of habit. Some of those habits are good; we brush our teeth, take in good food, get sufficient exercise and sleep. Some habits—not so good. We skip items that need our attention, and we have figured out how to bury the urgency. We need to understand where our habits help us and where they create roadblocks on the route to achieving our desires. “Act From Choice” brings the reader through these habitual impulses and sets the stage to understanding the concept of self-management—defined as the setting for the action of taking control of your life.

In this mind-blowingly complex topic, Robert Goldmann explains it simply and approachably for everyone to pick up and work towards a more empowering life.

The idea is simple: We make choices constantly; what to eat, what to buy, what to save, where to go—but when you inject the idea of choice, we turn up the amplification on the fact that our mindfulness in making decisions can pilot us to greater life satisfaction and happiness.

Robert’s Seven Steps from his book are:

  1. Identify what it is you do, and how you do it.
  2. Pick an objective for what you want to do instead.
  3. Identify the considerations that motivate you.
  4. Decide whether to commit.
  5. Commit to an action.
  6. Train your awareness.
  7. Plan.

The most wonderful aspect of this work is that every step of this guide has been considered from all angles and offered to the reader with kindness and humanity that will assist you in all aspects of life.

Money is one aspect of the bigger picture of life’s confusions and complexities. We stand in the way of our true happiness and success by allowing our unconscious habits to rule our actions and thereby our outcomes. Whether it is about your finances or your life, “Act From Choice” will help you if you’re willing to look inside and make active decisions and hold the truths close to your heart. I know you want to. I know you can.

Apply These 10 Secret Techniques from This Famous Chinese Entrepreneur

Success Tips from CEO Yang Yang

In your 20’s and think you need to spend a few years in the working world before striking out with a small business of your own? Or perhaps you’ve got a fairly simple business idea — like reselling fashions or other items on eBay and think it just can’t be grown into a huge thriving business. Well you may be wrong on both counts.

One hard working young entrepreneur in particular who’s business had very humble beginnings exemplifies the role hard work and determination can play in business success. To help today’s youngsters be successful in an often unforgiving and always challenging business climate, Small Business Trends spoke to highly successful entrepreneur Yang Yang.

CEO of Dese Enterprise, Yang Yang, aka the ‘Boss In White’, was born and raised in Beijing. Starting from humble beginnings selling on eBay in 2004, Yang Yang quickly developed a flourishing business comprised of AMEClubwear.com, Pinkbasis.com and Cuteshoesforsale.com. The driven CEO now employees 80 people.

Yang Yang owes much of her success to commitment and study. The CEO obtained her undergraduate degree from Beijing University and went on to complete her Masters in Cambridge, UK.

“Now I can look back and clearly see that the reason I did so well was because of all the studying and extra work they [her parents] made me do”, says the Boss In White.

Success Tips from CEO Yang Yang

If you’re a millennial interested in starting your own business and being your own boss, take a look at the advice the incredibly successful Yang Yang gives to kindred entrepreneurial spirits.

Always Give Yourself Deadlines

“Give yourself a deadline on everything,” Yang Yang says. “A lot of things have no deadlines. Setting a deadline will help you finish your task faster.”

Reward Yourself When You Reach a Goal

“Reward yourself when you hit a goal, she ads. “Set a goal and when you reach it buy yourself something nice this will keep you motivated.”

Avoid Being a Perfectionist in Business

“Don’t be a perfectionist,” Yang Yang says.”In life everything is a balance, only you can decide if something is up to your standards. Sometimes trying to do something perfect may waste your time.”

Balance every aspect of your life and business, get the work done to the best of your ability the first time and don’t second guess yourself,” she ads. “If you always work hard and don’t cut corners then this is easy to achieve and you will be happy with your work.”

“A good example of this is when we take product pictures we can always go back and photoshop the background to make it look cleaner,” she explains. “Or you could clean up the background before you shoot and not have to go back at all. The background might not be as perfect as if you photoshopped them all but it will keep you from having to do double the work and remember you’re selling the product, not the background.”

Be Well Groomed and Always Present Yourself Well

“Be well groomed,” Yang Yang urges. “When you walk into a room your personal appearance is the first thing a client or customer is going to notice. Wear a nice outfit, when you look and feel good you tend to work faster.”

“I am very lucky because I can just pick something from my website, and have new clothes all the time,” she says. “You don’t need to wear new clothes every day but you should always spend five minutes before you leave the house and look in the mirror.”

“Make sure clothes are nicely prepared, buttons are buttoned, the collar is straight, skirt or dress is not wrinkled, no breakfast stain on them lol,” she xplains. “Always make sure your hair is looking good and it doesn’t look like you just got out of bed.”

“A good rule is to always be over dressed than under dressed!” she ads.

Don’t Waste Time Commuting to Work and if You Do Commute, Spend Your Time Well

If you really love your job, then try to live as close as possible to your work office so you don’t waste time on the drive,” Yang Yang says.

She ads, “If you can’t live close, then take advantage of your time traveling to and from the office. You can list ‘how to’ books on tapes to learn a new skill, or simply to relax in the little bit of alone time that you have in the car. If you take the train or bus to work the same applies, use this time to your advantage and don’t let it go to waste.”

Give Yourself Long-Term Goals

It’s important to have a long-term goal to work towards,” Yang Yang says. “Do you want to be rich? Do you want to help people? Or do you see yourself living at home with your mom when you’re 40 waiting for the meatloaf to be ready?”

She ads, “The point is, if you don’t want a lot out of life then you don’t have to put a lot into it, but if you are like most of us and want to be successful then you need to plan ahead. Only you can decide how your life will end up so make sure and give yourself some options.”

Dress for Success

Here Yang Yang has one simple rule. “Dress for Success,” she says. “I always say it is better to be overdressed!”

Study and Work Hard for Exams

“Write your way to success,” Yang Yang advises. “You can’t just decide you want to go to Harvard or in my case Cambridge and expect to get in if you haven’t been preparing for years. I was lucky that my parents pushed me to succeed in school from a very young age. I always had straight As but my parents still made me study and work with tutors every day.”

“I could never figure out why and would always complain that I didn’t have free time to relax or play with friends,” she explained. “Now I can look back and clearly see that the reason I did so well was because of all the studying and extra work they made me do.”

Find Your Passion

Finding your passion is easy — just think about what you enjoy doing in your free time for fun,” Yang Yang says. “I loved to shop for clothing and walk through the Fashion District downtown to see all the new styles and trends and was able to turn this into a job buying wholesale and reselling online.”

The question she poses to every entrepreneur? “What makes you happy?”

Network, Network, Network!

“Networking is a necessity,” Yang Yang insists. “One of the most important things about running a successful thing is networking. For my industry, it’s even more crucial than other types of businesses since I purchase items for resale every day.”

She explains:”The reason I am so successful is because I don’t have any buyers — I do it all myself.”

“Over the last ten years, I have developed personal relationships with the owners in order to buy direct from them, where my other competitors buy from sales reps,” she ads. “Making a great impression and keeping that relationship is key.”

Image: BossInWhite.com

Close Deals Faster With These 5 Steps


The first thing I would look at in any sales process is how to shorten and simplify it. I focus on this because of the countless times I have seen buyers demonstrate a sensitivity to time.

Whether filling up the gas tank, checking out a gym membership, shopping for an outfit or for groceries — time is on your buyer’s mind. “How long will I be here? Am I going to get stuck with someone I don’t want to spend time with?”


Basically, the sales process is finding out who the buyer is, what they want to buy, why they want to buy it and what you can do to fulfill that want. The ultimate goal should be to finish the transaction, get the prospect to take action and give you something you value in exchange for something your prospect values. This is where most people panic, freak out and become most uncomfortable — which indicates a lack of knowing what you are doing.

Here are five steps that will bring you massive success in sales and help you close deals faster:

1. Set your intentions up front.

The goal of the greeting is to introduce yourself, make a good impression and put the buyer at ease. If you don’t have a relationship with the client you don’t want to waste their time trying to make a great impression. If you do know them, you don’t want to waste time with small talk and not getting down to business. What we want to do is use this step to open the door to the reason we are there: To move the prospect into a buyer.

2. Bring price up before the demonstration/presentation.

After your greeting, you want to start out by outlining price, well before you get to the presentation or demonstration of the product or service. Tell the customer the price up front, so that you can spend the rest of the time explaining why it is priced that way. People are going to resist you. You have to be great at building the value of your product or service so that it exceeds the value of the customer’s money.


3. Periodically check for a close.

The close is the critical exchange point. It is the point when you quit selling, get the buyer to take action, and an exchange occurs — they obtain something you have and you obtain something they have. You must constantly be checking for opportunities to use a close to move forward. This reinforces your concern for your time and the time of your prospect. And remember, no one wins when you don’t close!

4. Simplify objections.

There are only four reasons your customer won’t buy: money, time, stalling or the product. You remove the variables and simplify the transaction. Of all four of these, the one you get the most is product. It’s not about money or time — they are not sold on the product. The economy is not a factor, the customer’s intelligence is not a factor — you simplify the objections so you can control your responses to them.

5. Introduce management.

I call this technique the “third-party touch” where you introduce anyone other than yourself. It could be management, a co-worker or an administrator in your business. This shows transparency, which builds trust with your customer and confidence that they are being well cared for. If the manager is unable to see the customer in person, have them send a quick video message to the prospect.

The pro closer becomes more successful due to knowing their game — they can adapt when necessary and correctly control outcomes. The lack of commitment to practicing, drilling and rehearsing this skill is the biggest missing ingredient in people getting what they want in life. These are not skills you are born with — you have to develop them!

This Is the One Thing Every Employer REALLY Wants to See on Your Resume

Whether you’re a new grad or an experienced job seeker, forget everything you thought you knew about resumes.

Let’s be honest: the job hunt can feel excruciatingly painful—and intimidating. Sure, your LinkedIn profile could be airtight, your references flawless. But if your resume bombs, so does your chance at acing your interview. On top of that, hiring managers only spend about six seconds on a resume—research says so!—which makes creating the perfect one even more crucial. What is the typical job seeker to do?Forget everything you thought you knew about resumes, including summaries and volunteer experience. According to experts, the secret to a great resume lies in the results.

Here’s what they mean: Listing your accomplishments on your resume with adjectives like “detail-oriented” or “self-motivated” might seem impressive to you. But odds are the employer won’t believe it until you prove your worth with numbers.

“If you want to make that indelible first impression on a hiring manager, you must show movement and real progress, and quantify your accomplishments with real, hard data,” Brian de Haaff, CEO of Aha!, wrote for Huffington Post. “Your results-focused resume will present a more accurate snapshot of who you are and what you can do—and clear the way for others to see that too.”

Take, for example, a descriptor like “Successfully trained the customer success team to improve customer communications.” Although the task itself sounds impressive, De Haaff suggests trying this instead: “Created 25 template responses and trained the customer success team, reducing average response time to under two hours.”

See the difference? According to de Haaff, the second descriptor provides a clearer picture of the direct impact you made on the company. Plus, quantifiable achievements do more than spice up your resume. Regardless of whether you’re a new grad or an experienced job hunter, they also tell a story about your past success, work ethic, and credibility, de Haaff says. And for employers, that detail can make or break your chances of landing the all-important interview (not to mention the job).

Looking for more job advice? Forget technical skills. Before you hit the interview room, make sure you have the top soft skills that employers are looking for.

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