5 Ways to Manage Your Physical And Mental Well-Being During COVID-19

The world has certainly been turned upside down over the last couple of months. These unprecedented times have tested people and the impact of the pandemic will be seen for a long time. This has, however, given people a good opportunity to get to grips with their physical and mental wellness. If you are someone who exercises regularly then you will understand how important it is to a human being’s stability. Our emotional status is often very closely linked with our physical state.

Think about it, if you have a stressful day at work it is compounded by any physical ailment you may be experiencing. Stress is exponentially increased when we are out of balance with our bodies and the current situation has led to a lot of stress going around. We need to make sure that we are keeping tabs on our physical and mental well-being. This article will give you 5 tips for maintaining yourself during a pandemic and hopefully teach you to deal with stress a lot easier.

Here are 5 steps to get you going throughout the day:

Step 1: Wake up and make your bed.

Step 2: Eat a well-balanced breakfast.

Step 3: Take a moment to plan your day (without using your phone or technology).

Step 4: Pick a time to put on your exercise shoes and do it.

Step 5: Put on your shoes.

You do not have to be lifting weight or going for 2 hour runs every day. Simple exercises with simple movements can have a massive impact on your health and mental state. A good rule of thumb is that you should aim for half an hour of exercise every day. Regular exercise has proven to increase your brain’s ability to process serotonin and norepinephrine. These are the hormones in your brain that manage your ability to deal with stress. Simple exercise and getting the blood flowing can have a tremendous impact on your mood and stress levels. Another vital impact of exercise is that it will give you more energy. It may seem like a contradiction but the more energy you use, the more you actually have. If you spend all day on the couch your body will become accustomed to that lifestyle and you will find it harder and harder to get up and get going. During a pandemic, it is absolutely crucial that you keep your energy levels up because it is hard enough to deal with a lockdown in a normal state, doing it while feeling tired and lethargic is much harder. Give yourself the boost you need by training your body and your mind.

Maintaining a healthy mindset is so important at this time. Everyone is dealing with the pandemic in different ways and you will find that those who are able to cope with the hardships are probably those people who have regular exercise routines. Taking care of your body creates a positive atmosphere and you will find that your mental state improves with each day that you spend on the go. You do not have to become a world-class athlete; you just need to get your body moving. Even a simple walk around the block can have massive effects on your well-being.

Meet The Man Behind The Cover Of The November 2020 Issue Of MoneyCentral Magazine: Dylan Ogline

Dylan Ogline Lives the Vagabond Lifestyle of a Laptop Entrepreneur … And He Wants You to Join the Club, Fast!

Dylan Ogline is used to being underestimated. It’s laughable, considering he built Ogline Digital into a 7-figure business by offering only one service—direct response digital marketing—and doing it very well.

But among his fellow entrepreneurs, he is something of an oddity. There’s definitely an “Old Guard”—usually overweight, undertanned, and light on passport stamps—that doesn’t understand what he does.

When networking at business conferences, he sometimes describes Agency 2.0, his training program to teach aspiring entrepreneurs to do what he did—build a lean, niched-down solopreneur digital agency offering high-ticket services.

The “Old Guard” Boomers and post-Boomers at those conferences like to tell him he is a fool. How could he leave so much money on the table?

He should (they explain) offer a full suite of digital marketing services. Ogline Digital shouldn’t let its clients shop anywhere else! He should hire a team of graphic designers, and a team of coders, a team of SEO specialists, and get a shiny downtown office for them all to commute to—five hours in traffic to break their spirits good and proper.

For a mere $1,000,000 in extra expenses, he could be making $1,000,500 more in revenue! Five hundred extra dollars in profit to brag about on the ambulance ride to the cardiac ward!

Dylan doesn’t feel like a fool. He recently returned from nearly two months in Southeast Asia. Spending most of his time in Thailand, living in a highrise condo, and losing himself on the streets of Bangkok or the forest trails of Chiang Mai. It was his first “mini-retirement,” inspired by Tim Ferriss’ The Four-Hour Workweek and Ferriss’ own favorite book, Vagabonding by Rolf Potts. He followed that trip up with nearly another month in Europe with his longtime girlfriend.

During his travels, he ran Ogline Digital from his laptop. An avid hockey player, he’s in amazing shape, looking barely 21 of his 31 years. And he knows he’s onto something that touches the dreams of Millenial and Gen Z entrepreneurs, who measure success, not in the size of the bank account, but the size of the adventure.

Dylan was never going to wind up in a cubicle. A high-school dropout and self-described “unemployable entrepreneur,” he started his first business as a teenager in rural Pennsylvania. Inspired by reading Robert Kiyosaki’s Rich Dad, Poor Dad, he was able to arrange an importer deal with a supplier of sophisticated European cell phones, which were rare in the pre-smartphone and iPhone era. The European supplier had no idea that he was doing business with a 14-year-old.

When the shipments arrived, Dylan flipped the phones on eBay for a profit. It was all going swimmingly until his payment processor discovered his age and shut him down.

A different family might have exhorted their errant son to get his head out of the clouds and get a “real job.” But Dylan actually comes from a family of business owners.

But the youngest Ogline is still the black sheep. His father and brother belong to that Old Guard, valuing hard work instead of smart work, revenue growth instead of a lifestyle. As a result, Dylan’s father worked himself into three heart attacks. Dylan fears that his older brother, who loaned him Rich Dad, Poor Dad in the first place, is headed to a stress-induced heart attack as well.

But that doesn’t stop them from scoffing at their globe-trotting family member, as if his million-dollar agency is somehow a fluke … like he needs to “grow up” and open a business he hates, like “working men” do.

Agency 2.0, which trains first-time business founders to build a laptop lifestyle from the ground up, is Dylan’s long bet that a younger generation wants to skip the heart attacks and do it the Dylan way. “2.0” doesn’t refer to the version of his program—in fact, the current version of the training program is the third iteration.

Rather, “Agency 2.0” is meant to imply a new way of thinking about a digital marketing agency—lean, automated, bare-bones, micro-niche. Dylan teaches students to offer so much value that they can retire their day jobs and become digital nomads after closing just a few clients.

To learn more, MoneyCentral Magazine caught up with Dylan, fresh off a mountain trail in his Denver Airbnb—far from his adopted home base of Orlando, but closer to home than Bangkok. Here’s what went down:

So, your training program is called “Agency 2.0,” and not because it’s your second version, but because it outlines a new approach to agencies. With that in mind, what is “Agency 1.0?”

The “1.0” way of thinking is a bloated agency with a ton of expenses, salaried employees … you have an office, you’re doing one-off projects for your clients, these huge, massive creative projects for your clients. Reinventing the wheel all the time.

“Agency 2.0” is pretty much the exact opposite—a slim, sleek, scrappy business model. Very little expenses, no office, independent contractors-if any team members. And you’re doing retainer-type work. The beauty of it all is-if your client is spending $5,000 on ads per month and you start to get things rolling for them and they increase spend to say… $50,000/month, the amount of work actually becomes less. So the higher your income is off an individual client, the less work you’re typically putting into it.

Is there any danger of students getting into the business and finding that they’re competing with each other—too many people offering the same service?

The truth is that if you do everything for everybody, we’ve already hit market saturation on that.

Here is the key – if you’re managing ads for a plumbing and heating company, and a car dealership, and a doctor, and also building websites for restaurants, and then you’re also doing SEO, you don’t really become good at anything. It is incredibly difficult to become the best in the world at everything.

It is damn near impossible to become the best person in the world at “digital marketing.” It is relatively easy to become the best person in the world at “digital marketing for plastic surgeons in the southeast”.

There’s a million different niches, and a million different ways you can slice them up. People naturally have a scarcity mindset, and if you are an agency doing everything for everyone, you should have a scarcity mindset! Because it’s going to be really difficult.

But if you are specifically helping plastic surgeons on the east coast—or whatever, that’s a random niche I just came up with—the truth is that you probably couldn’t handle more than five clients. And if you have five clients and you get them going, you can have a six-figure agency, no problem.

I have a seven-figure agency off of less than ten clients. So the concept of scarcity is backward thinking. We could easily add another 10,000 niched-down agencies, and there’s no way we would reach market saturation. Not even close. There are over 30 million small businesses in the United States alone and growing. Sure not all of them are going to be looking to add on the services of a digital agency but they are ALL looking to grow.

What drove you to be an entrepreneur and start businesses from such a young age?

For me, when I got into business, it wasn’t because I wanted to have a Lamborghini and a few Rolexes. Those were not the things that drove me. What drove me was that I didn’t want to be poor. I didn’t want to worry about how I’m going to pay the water bill or the electric bill.

I grew up in Pennsylvania, in an older house with what felt like zero insulation. I remember freezing my ass off at night in the middle of winter because it was an old house, it was expensive to heat, and my parents, justifiably so, didn’t want to spend the money. So all I cared about was f*cking heat!

Why did you decide to offer a training program? What was the journey there?

I had a lot of teachers that influenced me, a lot of coaches, a lot of mentors. I don’t believe anybody is self-made. That is a ridiculous concept. Sure I have worked hard. Sure I have made a few smart plays. But if it weren’t for those people teaching me things, or my brother just having that book laying around, I wouldn’t be where I am. So at a younger age, I knew I wanted to do some kind of coaching or teaching.

With [Ogline Digital], if a client is doing half a million in sales a year, and we onboard them, get their marketing working, and they make a million in sales next year … that’s really cool. But that didn’t change the business owner’s life. They’re just making more money.

I had a student who joined my training program last year or the beginning of this year. She joined the program in like, December or January. At the time I charged something like $500 to get on board. A month later, I talked to her on one of the group calls. You could hear the tears in her voice, where … that was, like, her last $500. Her and her husband were struggling. But within a few weeks of joining the program, she got her first client, and with the money she got from that first client, she was able to buy her kids’ birthday presents. Then she went on to build a successful agency. That changed her life. It changed everything about her life.

So to say that I am slightly more passionate about this training program and helping people is putting it lightly. The personal fulfillment I get is just … it’s hard to put into words.

What mistakes do you think business owners make that you try to correct in Agency 2.0?

Even if you’re not building an agency—even if you have some kind of product that you’re going to dropship to people or whatever … something they get wrong is that, as fast as possible, you need to focus on getting the cash register to ring. That is, making sales.

I see people who, outside of starting a digital agency, they have some kind of product that they’re going to ship and sell … they’ll spend two years, like, a long time, getting their Facebook page started. Getting public relations going. Getting nice business cards. Getting a fancy logo. All these unnecessary things. When they actually try to get customers and try to get sales, it flops, because they don’t have product/market fit.

Getting the cash register to ring as fast as possible is what any digital entrepreneur needs to focus on. That’s the only way to prove product-market fit, by someone actually give you money for your product or service. You don’t want to waste a lot of time on unnecessary things because the truth is that you’re probably going to fail the first time.

You have to move fast and remain flexible. I probably say “move fast” about a hundred times in the first week of my program!

Is the Digital Nomad life everything you thought it would be?

This is an incredibly good question! I was mentoring this younger guy recently … probably a year or so ago. He’s, like, 19 or so, maybe an 18-year-old kid. And he works a dead-end job, fast food or Dunkin’ Donuts or something similar. This is in the small town in Pennsylvania. And he’s like “I can’t do this. I can’t spend the rest of my life in this small town. I want to ‘see the world.’”

So he basically asked me the same thing—he’s like “Is it everything I think it will be?”

And I was like, “The vision that you have of how cool it will be, wherein your head you’re imagining standing on the balcony of your condo in some random city in Asia and looking at this city that you have a month, two months to explore … an infinite amount of time to explore, and you don’t have to go to work tomorrow … you still have to work, but you can do what you want, whenever you want, as long as you keep your business going …”

“You have absolutely no idea just how awesome it is. What your expectations are, they are wrong. It’s so far beyond what you could possibly imagine. Having that freedom is beyond what money can buy. Words cannot describe how amazing it is.”

Inside The Mind Of Lisa Wise: The CEO Of Flock DC

Lisa Wise is the CEO of Flock DC (Chief Flockster), a family of service companies with an innovative approach to real estate management and preservation.

Over the last 25 years, her professional experiences have all been anchored in empowering individuals as consumers, building stronger communities, and creating forward-thinking businesses. Growing up surrounded by love but short on resources, she sought security by building businesses from a young age, starting with her first enterprise, The Sherlock Holmes Detective Agency in her parents’ backyard shed.

In 2008 Lisa made a radical career change from the non-profit world to running a small boutique property management company. Today she owns a family of companies, employs over 50 people and her company manages 1.5 billion in residential real estate in Washington, DC. They do all of this while being a great place to work for and having a valuable role to play in contributing to the community. Her leadership style is about empathy, humility, and a fierce passion for justice. With her country amid a global pandemic, an economic crisis, and widespread protests for racial justice, she’s trying to step into this moment with bold and unapologetic leadership, personal sacrifices, and a commitment to caring for her team members and her community.

MoneyCentral Magazine recently caught up with Lisa to discuss her journey as an entrepreneur and here’s what went down:

What are you currently doing to maintain/grow your business?

We are doing all we can to stay relevant, valued, and visible. We provide a residential rental management service. If a client or prospective client is looking for ways to trim monthly expenses – we’re low hanging fruit. But during COVID, we fine-tuned our systems, added new services, offered wellness checks for residents and virtual inspections, and maintenance. We’ve held town halls on the state of the industry, the economy, and the community every quarter. We’ve quadrupled our social media content, hosted fundraisers for front line workers, and volunteered our offices to be a “rest and recharge stop” during Black Lives Matter protests. We also launched a more aggressive ad campaign targeting clients that might want to switch management companies. This new business requires no physical interactions and people have more flexibility and bandwidth to make overdue changes to their management company.

What social media platforms do you usually use to increase your brand’s awareness?

We use all the channels but we use each one a bit differently. Our Insta presence is all about the gorgeous homes we’re marketing. Facebook is anchored in neighborhood and city news, politics, and more. It’s conversational but informational. And it’s NEVER about our industry. Because let’s face it – property management sounds dull as hell.

What is your experience with paid advertising, like PPC or sponsored content campaigns? Does it work?

Paid advertising is easier to track in real-time with Facebook/Insta or Twitter. When we run ads on popular blogs, it can take weeks to get performance metrics. I suspect we break even when doing a cost-benefit analysis – but we’re also building more visibility for our brands which can’t be quantified as easily. Typically – the advertising spend for us is less attractive than supporting organizations that can fall in love with our values and become clients or residents down the line.

What is your main tactic when it comes to making more people aware of your brand and engaging your customers? How did your business stand out?

We want everything about our brand to be attractive. From stylish language to stylish intriguing logos to stylish spaces. We’re compelling people to tie themselves to our family of companies. It’s a stretch goal for a property management company to act like and deliver a lifestyle experience, but that’s just what we’ve managed to do. From sponsoring large-scale public murals with the iconic Ruth Bader Ginsberg – to hosting fundraising events for grassroots non-profits – we do everything with purpose and authenticity. It keeps our clients engaged and our residents anchored.

What form of marketing has worked well for your business throughout the years?

We find the most impactful marketing dollar we spend isn’t marketing spend at all. Instead, we’ve built a philanthropy division that supports local organizations, artists, and endeavors that add value to our community. We’ll sponsor events, promote programs, volunteer time, space and resources as early and as often as we can. These philanthropic partnerships and activities increase our visibility and underscore the value of our purpose-driven mission as a company.

What is the toughest decision you had to make in the last few months?

Furloughs. To keep my field team safe, honor public health, and stay solvent, we needed to furlough seven team members. Even though we offered each a soft and supportive landing, it was a heartbreaking decision.

What money mistakes have you made along the way that others can learn from (or something you’d do differently)?

We needed a larger reserve. We’ve prioritized profit sharing and investments in capital assets over building a substantial cash reserve. The contractual nature of the business insulates us from starvation – but not from the hunger that COVID generated. We’ve made massive spending/expense adjustments and we’re trending toward the safety net any future coronacoaster might lean on.

What new business would you love to start?

I dream of bringing skilled tradespeople into urban areas without necessitating people move or adjust to the higher cost of living in cities like DC. We can host exceptional co-living spaces and offer rotating schedules for in-residence technicians. They can work 3 weeks on 2 weeks off or other novel rotations that give them DC salaries without DC cost of living and lifestyle. I would also like to pair this program with an apprentice opportunity for returning citizens, young people eager to learn trades, and more. Not everyone is college-bound, but that shouldn’t limit opportunities and the chance to build wealth.

If you could go back in a time machine to the time when you were just getting started, what would you do differently?

I don’t think I made any mistake that wasn’t worth it in the long run.

What is the best advice you have ever been given?

I had a mentor who reminded me that you can have 100 conversations that seem fruitless. Then, over time, each of those connections will start to blossom somehow. I’ve gotten calls back from folks I met with a decade ago. When pitching or promoting anything you are passionate about, there is never a wasted moment.

What advice would you give to a newbie Entrepreneur setting up their first business?

Enjoy the early adrenaline rush. Don’t throw others under the bus. Don’t be afraid to say no. Wear your values on your sleeve.

The Five C’s of Successful Home Loans

Acquiring home loans is neither a walk in the park or a show of far-fetched wish-granting shooting star. It is a reality that can build anyone’s dreams given the right requirement and financial ability. While many have been declined for home loans, the chances of having one approved can be increased. It is something that you work for while anchored by a strong financial record and history.

Do you have what it takes to be granted a successful home loan?

Let’s lay out the Five C’s where lenders’ decisions are hinged to when it comes to approving home loans.

CHARACTER

When talking about home loans or any other type of mortgages, your character is your credit history. It is a large factor that determines your eligibility for a home loan or your application will be pushed aside to the nearest trash bin. Your credit history details your reputation in matters of handling previous loans. Most financial institutions also use credit score which is a numeric value that spells your credit standing which will help future lenders assess risk when dealing with you. The higher the credit score, the less risk involved.

CAPITAL

While you may depend on your household income that basically will be the major source of your monthly repayments, financial institutions also look at some other things just in case unforeseen events or setbacks arise. This capital includes your savings account, property investments, and other assets that characterise value that can help you bridge through your loans.

COLLATERAL

They say that the higher collateral value, the better it works for your advantage. Collateral can be anything of value like a home or auto that will secure the lender if in case you default on your loan repayments. Your pledged collateral will be assessed and evaluated. The result of this plays a vital role in the lender’s decision-making process.

CAPACITY

Have you started calculating your debt-to-income ratio? The comparison between your newly acquired debts and taxable income speaks volumes about the home loan process. You will go through a meticulous credit investigation to assess your capacity to pay and manage loans. Your financial stability will be dissected and your employment history will be studied.

CONDITIONS

Do you agree with the interest rates stated? How about the repayment plans? Perhaps, the most frequently asked questions when applying for a loan is what do you need a loan for. The purpose of your loan application is also one of the determining factors that will help financial institutions decide in your favour.

Getting ready to apply? Find the right lender and be prepared to answer their queries.

5 Ideas For Businesses You Can Launch For Cheap Or Even Free

Are you looking for easy and cost-friendly money-making projects? Do you want to earn extra income without having to withdraw most of your savings account? Well, I might just have the answer to those questions.

Starting your own enterprise does not always require a lot of money and a degree in Business Administration. There are a number of businesses that require only your time, skills, and a little from your pocket. All you need to do is tap into your creativity, resourcefulness, and perseverance.

Moreover, ask yourself about marketable talents that others might be able to make use of, and then find ways to let them know that you offer such services. It does not have to be something elaborate and you can even just utilize your social media accounts to let people know you are an entrepreneur on the rise.

So here are a few simple and economical business ventures you can start with:

1. Pet sitting.

This business only requires one thing, your unconditional love for animals and anything furry. A lot of people these days have their own house pet, and there are situations when they cannot bring their beloved critter with them. So, why not turn that into an opportunity to earn a few dollars?
You do not need an office or a capital to start this business; however, having a lot of friends with pets would be an advantage.

2. Online Freelance Writing

If you have a knack for literature, and secretly corrects everybody else’s grammar, then this might be a good business to start with. You can create an online profile highlighting your expertise and pose sample of your work and other related projects.

Another way to market your skills is to set up a blog. The key is to choose a specific niche in order to build an online presence.

3. Virtual Assistant

Virtual Assistants are like online admin assistants who are hired by professionals to do mundane admin tasks which they no longer have time to do. You will either sort through emails, write a few communications, and do research.

To make this a lucrative business venture, you will need your own laptop, stable internet connection, and flexibility in your schedule.

4. Babysitting

A lot of parents these days need to work and have a very little amount of time to relax, which is why the demand for babysitters have also increased. Though experience is not a necessity, growing up with little brothers and sisters would be a great advantage on your part.

Also, a little insight into child psychology would impress parents because as we know parents want the best for their children. Patience and tolerance are rather important when dealing with kids, but if you know magic, you are definitely a winner.

5. Homemade goodies

If you make killer homemade cookies or cupcakes, you got a gold mine right there. A lot of big bakeshops these days started out in their kitchen and had slowly taken off as soon as a lot of people had heard of their products.

Some cupcake bakers open online shops on Instagram and take orders through their page. It saves you money and time for marketing, and you can start your bakeshop even without the actual shop.

Introducing Luke Garrett: An Upcoming Investor Who’s On The Verge Of Achieving Financial Freedom

There are several young investors right now who are making their way to becoming rich by getting into smart investments and one such upcoming investor who’s on the verge of achieving financial freedom at such a young age is Luke Garrett.

Luke grew up in a small town just outside of Liverpool, England, with mixed Middle Eastern and British roots from his mother’s side.

From an early age, he has always been fascinated with the mechanics of how business works, he’s always wondering why people buy things the way they do, or what makes one service better than another – pretty much pushing the boundaries of both service and products.

His mentality actually evolved from his grandfather who was a successful businessman himself. Back then he would always tag along with his grandfather on his day-to-day dealings just watching, listening, and learning.

Having thought long and hard about how he could build, maintain and expand wealth, he looked at those on the Forbes List whom he considered to be innovators, trailblazers, and visionaries for inspiration and he saw a pattern: these innovators took something simple and made it so much better for everyone. They all came from varied backgrounds and are considered leaders in their respective fields. Luke figured out that these trailblazers all had a clear common factor when it comes to their investments and assets: it’s real estate.

Luke currently works at NED Capital, a company that is one of the most respected and service focused banks in England and he’s passionate about helping people get into real estate to achieve financial freedom. MoneyCentral magazine recently caught up with Luke to discuss his journey as an investor and here’s what went down:

What was the process for you to finding what you wanted to do?

I regard myself as being extremely fortunate in that I knew the path I wanted to take from an early age. This gave me focus and precision.

My academic “career” ended at 16, and I vividly remember getting home from the last day of school and whilst my friends were busy planning parties, I was on the internet searching for my first investment property, calling estate agents, making connections, speaking to my parents about financing these projects!

Whilst my passion was driving my motivation, I quickly realized that passion wasn’t enough, you needed capital.

I decided to get a job in a local barbershop. 6 months on, I saw an opportunity in the fast-growing male grooming industry. 18 months later at the age of 19, I opened my own male grooming salon. My focus was, again, on quality of service, the materials I used, and the time – all differentiators in my mind.

This experience gave me the impetus to launch into the property development market.

The reality for me is that finding out what I wanted to do was a process, not an event. A man cannot be pregnant but can learn how to be a great parent!

What has been the most memorable experience of being in the property industry so far?

So far, it must be the moment I completed the purchase of my first property and receiving the keys. People look at these things as a sacrifice, but to my mind, this was part of my investment into my future.

What was ironic is that whilst my friends were traveling, at university, taking vacations, I was working hard and trying to create my future.

It reminds me of some great advice I received: The thorns on a bush are there to protect the beauty of the roses. In other words, be aware of the challenges and plan for the solutions to them as the objective is worth it.

Not all experiences are positive ones, and these are the ones I benchmark myself against – for example, because of my relatively young age in an industry where people often quote the number of decades they have been involved in, I was not taken seriously. I turned this negativity into a positive and which will hopefully encourage other younger people to enter the industry. There is no minimum bar to entry in real estate!

Who have been the most interesting people you’ve met so far?

I have found that some people are in “transmit” mode, others are in constant “receive” mode. Those that have influenced me have been my first employer later to be my business partner. He was the first person to instill the importance of self-education and success, which was a solid foundation and a great path to follow.

Property is about the presentation of the product, gaining insights into what a buyer or me, as a developer/investor, wants, the goals, and objectives. My grandfather has been instrumental in teaching, then guiding, and now watching from afar and asking me for advice! To me, that is a humbling moment.

What makes your organization different than your competitors?

In four words: Attention to detail and specialization.

At NED Capital, specializing in a niche market is the easiest way to make the competition irrelevant. We are in a highly favourable position to be self-funded and therefore have a reputation to be able to move and close deals, sometimes within hours, but usually within a few short days.

Decision making is key – our structure is designed from the bottom up to empower decisions to be made by individuals, not computers.

By narrowing down your target audience to a specific group, you can be considered an expert in your niche and easily become the best in your field. For me this is luxury.

I try to find out everything possible about the areas I am looking to invest in, their income, the cost of schooling, the average spend on leisure, crime rates, even the ratio of single to married people!

But what is unique at our company is this: investment targets are set not by return, but by spend, in other words, we MUST invest our portfolio budgets each year. That, to me, is unicorn-like!

What has been the most valuable lesson you’ve learned while in the property industry. This can be about the industry or about yourself.

Great question!

Lessons never arrive without a “plus one”, nor does success – a team effort is critical.

The property industry is a powerful economic, cultural, and emotional force. I always remember that the decisions I make can affect not only my own future but those of others, the surrounding area, and a generation to come.

My biggest lessons have been to trust the wrong people, resulting in wasted time and money – all equaling lost opportunities. However, I am so grateful for those lessons as without CO2 we can’t have O2!

Who has impressed you most with what they’ve accomplished?

Perhaps I am inverting the question here, but I respect and admire people who have made mistakes equally with those I laude.

There is a humility in being able to learn from someone who has “made it” and then “lost it”. Their journey has created turbulence within themselves.

My most admired person is definitely all my teachers at school who constantly drummed it into me to follow my ambitions – one was always careful never to call them “dreams”, but ambitions that can be realized through hard work and surrounding myself with smart people.

Tell us about something you are proud of – about your greatest challenge.

Achieving what I have achieved without going to university.

I see too many people my age buying into the illusion that if you don’t go, your life will be ruined – that you will end up trapped in some other mundane occupation.

The truth is, even with a university degree, there is no guarantee of progress, you will just begin your ‘career’ four or five years later, tens of thousands of pounds in debt. I wanted to break this mould through hard work, sacrifice, and dedication.

Overall, there is no “greatest” challenge, it is all about life’s stages, motivations, and innovative thinking. This forms my mental attitude.

What is the best advice you have ever been given?

Always be prepared to walk away from a negotiation, but with dignity and respect. This is distinctly different than walking away with frustration.

You can’t bring emotions into deals.

Trust your numbers. Be open to scrutiny.

Too many people become emotionally attached to deals and this is the absolute worst thing you can do. Always be prepared to walk away!

What takes up too much of your time?

A relentless inability to switch off. The constant strives to better my business and those with who I interact with. I am, and this is a cliché we have all heard, my own worst critic!

What does being a successful real estate entrepreneur entail?

I passionately believe in three main attributes:

● Drive and determination – you will encounter challenges and disappointment almost every day. Remember that you have the ability to bounce back and push forward. Not everyone has that ability.

● Calculated risks – everyone is familiar with the term “no risk no reward” but the risk has to be mitigated with thorough due diligence. This enables you to not maximise profits, it is the maximisation of opportunities that results in profits, not the other way around. People look at the bottom line, where the detail is in the approach and opportunity to that approach.

● Building relationships – the single most absolute constant trait in real estate is building long-lasting relationships for mutual benefit.

This will be the backbone of your organisation, having people contact you first before anyone else is always my objective. Then, and only then, can you be confident they will go the extra mile for you.

Meet The Man Behind The Cover Of The October 2020 Issue Of MoneyCentral Magazine: Tendul Raj

A serial entrepreneur, Tendul Raj is a leading expert in the Bitcoin, Blockchain, and Crypto industries. He is on a personal mission to develop a culture of entrepreneurship, helping start-ups achieve their full potential as well as ] expand existing companies. His overall mission is to foster a society of economically independent individuals who are engaged citizens, contributing to the improvement of their communities across the world. In fact, he has built a career revolutionizing the financing industry across the globe and he currently consults and advises for a range of multi-million dollar companies.

Born and raised in Pondicherry, Tendul’s entrepreneurial journey started when he was 22. Soon after graduating from college, he started planning to start his own company. During the crucial stages of starting his new business, Tendul experienced sleepless nights for several weeks as he worked tirelessly day and night establishing the new company. Finally, after all the struggles and hardships, Nextazy Solutions Pvt Ltd was born. He also decided not to limit Nextazy with just a single vision – he wants Nextazy Solutions to provide blockchain solutions and AI-related services.

Tendul now focuses on the Blockchain industry and offers advice, consulting services, connections to Blockchain experts, and investor relations strategies.

MoneyCentral magazine recently caught up with Tendul to discuss his journey as an entrepreneur and here’s what went down:

What are you currently doing to maintain/grow your business?

Currently, my team and I are working on two big technologies – Blockchain and Artificial Intelligence. I was so driven towards Blockchain technology that I decided to provide Blockchain-related product solutions and services. AI is my new favorite. It has been three years since I developed an unconditional bond with AI. Learning AI helped me grow my business and myself.

What social media platforms do you usually use to increase your brand’s awareness?

All social media platforms are good. Each platform follows different algorithms and has its own advantages and disadvantages. I always prefer Instagram and Linkedin to increase brand awareness.

I use Instagram not only for brand awareness, but also to convey my ideas, innovations, messages, showcase the work we’re doing, and above all interact with interesting people. And I prefer Linkedin to connect with other businesses and like-minded people.

What is your experience with paid advertising, like PPC or sponsored content campaigns? Does it work?

I do have experiences in paid advertising like Google ads, social media ad campaigns, sponsored content, and other things. I suggest that emerging businesses should make use of paid advertising for better reach.

What is your main tactic when it comes to making more people aware of your brand?

When I started Nextazy, I made sure that all my strategies were unique and innovative. My priority is always customer satisfaction and that way my brand’s reach increases overtime. Even today, I tell my colleagues that if you can drive one potential customer towards you, driving a hundred will be a piece of cake.

What form of marketing has worked well for your business throughout the years?

Businesses these days are getting more customers, but they are not providing quality services. This should change. Each business needs different marketing strategies to prosper. But one strategy is common for all and that’s customer satisfaction. In our company, we work for the betterment of customers and this has been working well for these many years.

What is the toughest decision you had to make in the last few months?

I would say the toughest circumstances rather than the toughest decisions. Due to this Covid-19 pandemic, working from home has become mandatory. Since it’s a new thing for most of my people, it was difficult to maintain and increase productivity. Besides, keeping them motivated was also tedious initially. But luckily, this has reduced greatly by now.

What money mistakes have you made along the way that others can learn from (or something you’d do differently)?

I’ve made a lot of mistakes, but money mistake, there’s only one and that’s hiring the wrong people. Actually, these people are not wrong. They are just not suited for our environment and work culture. Unfortunately, I’ve repeated this mistake again and again, which cost me a lot of money.

What new business would you love to start?

I would love to step foot in deep-sea research. Many governments and private firms are already indulged in outer space exploration looking for habitable planets and other things. But most of the Earth itself is yet to be discovered. More than 90 percent of our oceans and seas remain untouched. I’m pretty sure there are so many fascinating things down there. I want to explore and enjoy them.

If you could go back in a time machine to the time when you were just getting started, what would you do differently?

Your past does not define your present or future so I will not disturb my past by changing anything, rather, I would just enjoy every single moment. I will be more and more confident in keeping my next step, those that made me who I am today.

What is the best advice you have ever been given?

Two things stand apart as the best advice I’ve ever got. One is, whatever you do, whether it may be personal or business, do it 100%, and never back down. Second, help others to build their path. Motivate them, stand with them, and never turn your back on them.

What advice would you give to a newbie Entrepreneur setting up their first business?

“Don’t let others convince you while choosing an idea.” Newbie entrepreneurs these days find it difficult to motivate themselves. They hide in the comfort zone, which will eventually break. First, I advise all newbies to come out of their comfort areas. The real struggle begins there. There will be countless failures, insults, frustration, mistakes, and too many other things to handle.

But always remember the things above are temporary. You control the construction; design it as you want it to be. When it comes to business, I would say only one thing: focus on the end-users’ perception, instead of focusing on yours. It’s the only way your business will shine.

8 Effective Ways To Drive More Traffic To Your Website

Every company or business has its own website or online portal because it is important to keep track of every person who visits your website because each person could be a potential customer. So, how exactly and effectively can you attract more customers to boost your site traffic? Below is a tell-all guide on how to be successful in driving more traffic to your website.

A simple secret to help you in your endeavour is to follow the trade secrets that work for your closest competitors. Why would you want to waste time trying to experiment with new techniques without knowing if they will work for your company, industry, or domain? The following techniques will explain to you how to “steal” their keywords and backlinks in order to leapfrog traffic on your website. All you have to do is follow the steps enumerated below:

1. Your website functionality: You need to make important and effective tweaks on your website and use the maximum number of tools available online to boost your ranking among your competitors.

2. Competition: Find out who your real competitors are and who can turn out to be tough competitors in the near future. Keeping close tabs on this information can give you a good perspective about what you have to do to stay ahead of them in the rat race.

3. Keywords: SEM Rush is one of the best tools that help with the researching of keywords. Using the appropriate keywords can increase your website traffic by increasing the number and frequencies of hits to your site.

4. Organic Rankings: This will give you an insight into the most remote areas of your closest competitors and using this information, you will know where exactly to increase your focus.

5. Building links: You need to go through the websites of your closest competitors so see their link building processes. Tweaking it to your advantage will ensure more traffic flowing into your own website.

6. Advertising: Compare all the strategies by your top three or top five competitors and see what works in your domain or industry. Use the same strategy to suit the needs of your website and those of your customers and potential clients as well.

7. Social media marketing and management: The largest number of hits happen in social networking domains due to a large number of people present in this space. It is also easier to carve a niche for yourself in this space since it gives you more space for creativity and innovation.

8. Reporting tools: Use such tools to generate important data about your website and where you can channel your attention in order to stay at the top of the ranking charts.

SEM Rush is a tool that helps you with improving the traffic to your web site. This tool helps you to zero in on the most common comprehensive words related to your domain and business. Using these words on your website and blog will automatically increase the number of hits to the website thus, considerably increasing the traffic. This, in turn, means that you will have more potential clients who will later turn into loyal customers.

Search engine traffic makes a big difference as the browsers will naturally go in for the website at the top of the search list since it is closest to what they are searching for. With this tool, you can understand the drawbacks of your website, its speed, and areas of improvement. Collect benchmark data to give you a better idea about the closest competing website to compare with your own. Remember that more paid searches might cause a drag in the speed of your website. Organic searches being higher in number compared to your paid searches can help in the ranking of your website analytically. Also, check the number of keywords that are distributed in the blog and content section as keywords when placed strategically will help your website have a better rank in the search list.

Following the tips above can help attract more organic traffic into your website – all you have to do is be consistent and committed to your goals.

Entrepreneur Spotlight: Introducing Dr. DL Wallace – The CEO Of Success Training Institute

Dr. DL Wallace is a Soft Skills Training and Development Expert with more than 20 years of experience in employee development, entrepreneurial development, organizational efficiency, and business strategy.

He is currently the CEO and founder of Success Training Institute (STI), the worldwide leader in superior soft skills training. Founded in 2012, Success Training Institute is an award-winning, education technology company based just north of Dallas, Texas. It currently serves colleges and universities, workforce commissions, school districts, and corporations from various industries. The customized learning platforms developed by STI include pre and post-assessments, individualized learning plans, access to data and analytics, and more. Their services are geared towards corporations and individuals looking to improve personnel through training in compliance, leadership, problem-solving, team building, customer service, and more.

Success Training Institute offers plans for entrepreneurs, college students, sales and HR professionals, and more. Priced to fit almost any budget, certifications can be earned in weeks, and most see improvements within days. Success Training Institute offers online programs designed to empower the workforce. The power-packed, 8-minute video segments can be taken on demand and have been proven to make immediate impacts on productivity, positivity, and efficiency on behalf of employees at all levels who complete the training.

Success Training Institute also offers college students the opportunity to increase their marketability after graduation through its Virtual Internship Programs. Students who are selected earn soft skills certifications to boost their resumes, earn extra money for college, and can work remotely.

Success Training Institute is recognized as a Top Innovator in Education Technology and cutting edge online training. With original content, unique and proven instructional method, and an evergreen library, STI is changing the professional landscape for students and companies worldwide.

MoneyCentral Magazine recently caught up with Dr. DL Wallace to discuss the hi journey to entrepreneurship and here’s what went down:

Could you please tell our readers a brief background about yourself and how you started your business?

I was inspired to launch the Success Training Institute in 2012 when I was the Executive Director of a Charter School I founded. During this time, I noticed the challenges new teachers were having interacting with students, parents, and each other. It became readily apparent that college didn’t equip them with the soft skills needed to succeed in the real world. Therefore, I developed and tested a soft skills curriculum on these educators and it worked even better than I expected. It literally revolutionized the culture, morale, and productivity of two campuses in the inner cities of Dallas/Fort Worth. It worked so well, we tested on our students and their parents. We got the same great results. I embraced the opportunity and the rest is history.

What are you currently doing to maintain/grow your business?

As a Black-Owned Minority Business Enterprise, we always feel as if we’ve got to be far better than the competition. Therefore, we’ve developed partnerships with numerous state agencies. We customize programs for colleges and universities, public and charter schools, local workforce boards, and more. By tapping into the vast government market, it has opened many doors for our company and given us added credibility. Also, we’re the only Ed-Tech company in the space that offers home-based business owners and other professionals the opportunity to earn money with us by referring retail and corporate business. Our Affiliate Program has helped us expand to other countries and keeps our pipeline filled with leads.

What social media platforms do you usually use to increase your brand’s awareness?

Our company is active on Facebook and Instagram. However, we’d like to do even more on social media because we realize the power of those platforms. Some people rely on social media for their news and information. We have plans on becoming much more active as our nation and the rest of the world to heal from the recent civil unrest and the global pandemic.

What is your experience with paid advertising, like PPC or sponsored content campaigns? Does it work?

We’ve had so much success with our Affiliate Programs and word of mouth that social pay per click campaigns have not been on our radar. Recently, we hired an organization to focus more on ads and we expect it will do well because of the growing need for online soft skills training.

What is your main tactic when it comes to making more people aware of your brand and engaging your customers? How did your business stand out?

Our company has seen great success with our philanthropic initiative that provides a soft skills training scholarship to the less fortunate when our paying clients earn certifications. The Global Success Initiative allows all our customers to participate in the betterment of our world. We are the only company in the world that offers a one to one match with education! Imagine unlocking the door for at-risk teens, families in poverty disabled veterans, and others to grow just by earning certifications that improve your own life and career. This initiative has really enhanced our brand, our credibility, and fulfills our mission.

What form of marketing has worked well for your business throughout the years?

For us, marketing begins and ends with relationship building. We take the time to get to know our potential clients. We spend time with them and cultivate a long term relationship that ultimately leads to a long term contract. Also, the success of our Affiliate Program has been a major boost; mainly because of the earnings potential of members can earn just by referring those in their circles. Our commissions on corporate deals range from 10% – 30% and those checks are impressive.

What is the toughest decision you had to make in the last few months?

Expanding our business overseas was a tough decision. The countries that need our product most have the greatest problems with internet connectivity. Additionally, laws and regulations in other countries are much tougher than those in the US. However, we could not deprive people of the chance to enhance their lives and grow their incomes by acquiring the soft skills they need to succeed.

What money mistakes have you made along the way that others can learn from (or something you’d do differently)?

Most of the time when business leaders think of money mistakes, we tend to focus monies that were spent unwisely. However, we actually learn just as much from what we don’t spend. One of the things I would change is not spending more money by adopting cryptocurrency policies. We’re finally turning the corner in this area. However, if we would have spent the money on the technology required to accept cryptocurrencies like Bitcoin two or three years ago, we’d be experiencing historic returns on our investment. We know now.

What new business would you love to start?

Training is one of my deepest passions and I’ve always wanted to teach others how to train. Therefore, we launched a new division of our company that allows professionals to become certified soft skills trainers. It’s 100% online and we even help them with leads on training in live settings. We’ve made it affordable and offer all the support to help our certified trainers succeed. It’s a great way for life coaches, public speakers, educators, and others to earn money with this valuable new skill. I’m excited to live out another chapter of my dreams.

If you could go back in a time machine to the time when you were just getting started, what would you do differently?

It may sound like a cliché but I have no regrets about any aspect of the journey with Simply Success. The lessons I’ve learned along the way were priceless and helped our company improve. In business, you either win or you learn and every learning experience is a necessary one if you want to grow. Thomas Edison learned valuable lessons from each failed attempt at the lightbulb. Like Edison, every lesson got me closer to the groundbreaking company we have today.

What is the best advice you have ever been given?

One of my mentors told me: “Whatever you do best, do most.” This advice helped me focus on leveraging my training and professional development skills. Doing this consistently led to the birth of the Success Training Institute.

What advice would you give to a newbie Entrepreneur setting up their first business?

Three Things. First, take the time to organize. Write your plans and goals, do your homework, and identify your resources. Organization is time-consuming but well worth the effort. Next, don’t be afraid. Fear limits your ability to focus, take risks, and make aggressive decisions. Move with confidence and never with caution. Last and certainly not least, don’t quit. Business success is very similar to running a marathon. Most people have the physical strength to run 26 miles with the proper training. However, many lack the mental toughness to keep running. Business success is based on our ability to keep running.

5 Daily Scheduling Methods To Bring More Productivity To Your Day

Productivity is probably this generation’s biggest dilemma. The rising numbers of freelancers and entrepreneurs indicate that more and more people are choosing to work outside the regular 9-5. But outside any supervision or deadlines, they often end up wasting a major chunk of their time distracted with technology, calls, relationships, etc.

After some initial damage, they sense the need to be more productive if they ever want to achieve their goals. According to a study, only 50-60% of a regular workday is productive. There are numerous blogs, articles, courses, and books that claim to help you achieve the “perfect schedule.” But the reality is, there is no one-size-fits-all method when it comes to productivity. What works for one person could be a total disaster for someone else.

To give you an example, let’s compare some of the most successful leaders of our generation. Elon Musk wakes up early and spends his first 30 minutes answering “critical emails” while drinking his coffee. Zuckerberg doesn’t wake up early but maintains a morning routine where he works out or goes for a run, eats breakfast, and gets dressed before heading to the office. Richard Branson wakes up at 5 am, gets in some cardio before breakfast with the family.

As you can notice, there is no set path to productivity. It’s what works for you the best that matters. Some of the techniques with a proven track record in upping productivity are listed below. It will take some effort and consistency to figure out the right combination and stick to a schedule until it becomes a habit.

Start your day early

There is a reason why this gets featured in most of the productivity articles, courses, and recommendations by successful entrepreneurs. Starting early gives you a head start. You can use the additional 1-2 hours to accomplish tasks like your work out or mindfulness exercises along with one task that you think is important. It could be checking emails or responding to connections. Whatever it is, it will bring a sense of accomplishment and set the tone for the rest of the day.

Create a morning routine and stick to it

There is no hack to productivity. It is a matter of habit and intuition. And building a new habit takes willpower and consistency. It requires some initial motivation before the result presents itself. Some say it 21 days to build a habit while others vouch for the 90-day rule. Whatever it takes you, you should be motivated enough to put in the work.

Use Time-blocking Method

Time blocking is probably the most widely used productivity method. It requires you to break your day in 40 mins to 1-hour time slots dedicated to specific tasks. A time block method will have slots for following up with connections and scheduling calls and meetings. By blocking tasks into slots, you can achieve great productivity with the time block method.

Avoid unnecessary decision making

You must have seen the likes of Bill Gates and Mark Zuckerberg wearing the same type of ordinary clothes every day. It is not a coincidence but a planned strategy to avoid decision burnout throughout the day. You can choose what decisions are best avoided so you can focus on getting things done.

Avoid working late

If you are serious about productivity then don’t make the mistake of working late into the night. Take your mind off work in the evenings. If you have a hobby, this would be a good time to indulge in it. Why is it so important you ask? To be productive the next day.