Meet The Woman Behind The Cover Of The March 2022 Issue Of MoneyCentral Magazine: Dr. Tanisha Denise Manning

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A veteran entrepreneur, Dr. Tanisha Denise Manning, better known as “Wonder Woman,” is an inspirational game-changer with an impressive resume. She has built a career dedicated to public service – leveling the playing field for some of the most at-risk youth in various communities. She’s a “Light” combat veteran, a highly sought-after author, a motivational speaker, a Holistic Health practitioner, an International certified birth doula, a 1st HBCU (Historically Black College and University) certified life coach, a certified yoga instructor, a Forensic fingerprint and mortuary expert, a Juvenile Justice Advocate, a former deputy sheriff, as well as an active humanitarian. No wonder she was dubbed as “The Wonder Woman Life Coach” by Source Magazine in 2014 and featured as “The 2018 Wonder Woman of San Joaquin County.”

Raised amid rampant gang violence and poverty in South Stockton, California, Denise managed to claw her way out of poverty through sheer willpower. She overcame hardship and loss and actually succeeded where failure was almost a certainty. Thus, her life is a shining example of what the human spirit can endure and achieve as long as there’s determination and willpower.

When it comes to public service, Denise is undoubtedly in a league of her own. She has worked diligently for the Florida Department of Juvenile Justice, advocating for youthful offenders and creating their first re-entry and mentoring program in Tallahassee, Florida. She has established and facilitated several creative writing and poetry classes for young offenders already in the criminal justice system. In fact, Denise implemented the first poetry creative writing classes in Orlando, Florida, Killeen, Texas, and Stockton, CA, and has received numerous commendations for Outstanding Distinguished Service.

Back in 2015, Denise opened her business, “Pretty Lady Boutique.” The boutique provided services for women and housed a mentoring non-profit for teenage girls. She took to local schools and created “Pretty Lady Sisterhood” – she became the first in the city and school district to incorporate and implement a mentoring program for high-risk teenage girls. Because of her extensive public service, she has been featured for community service leadership in several print and online publications, television as well as various organizations and universities.

Fast forward to today, and Denise currently has over thirteen years of military service in the United States Army under her belt. She holds degrees in Criminal Justice Administration and Business Administration, and she has received an Honorary Ph.D. in Theology and Spiritual Counseling. Denise has also worked with various police departments in fingerprint analysis, crime scene processing, and violence prevention strategies. She holds membership in several prestigious social and civil organizations where she has been recognized as a Visionary Pearl and Charter President and she’s currently a Master Counselor/Life Coach. She’s also a new mother to a beautiful baby boy.

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

Can you tell us more about your life coaching journey since you’re a pioneer in the field?

Coaching and counseling was always a calling in my life. While deployed to Baghdad during Operation Iraqi freedom, I made up my mind that I was going to become a life coach; however, years prior, I had implemented programs and held coaching groups in local detention centers for high-risk youth. My passion for helping high-risk youth drove me to implement mentor coaching programs for state departments of juvenile justice, local city governments, juvenile detention centers, and federal correctional facilities for women.

As an entrepreneur, what is it that motivates and drives you?

There’s no better feeling than creating something from the ground up without someone telling you what you can and cannot do. I remember working a job and realizing I was giving them all my creativity for pennies. I didn’t particularly appreciate feeling used. I was motivated by freedom – the freedom to create, serve, and give back without restrictions.

What were your top three motivations for starting your business?

The need and passion for helping others. Being the person I needed when I was a troubled youth or young woman who was in need.

It has come to our attention that you made history as one of the first women to obtain a Master’s degree in “life coaching” – can you tell us more about this?

I started coaching before it became popular and saturated with people that didn’t have life experience or education. Life coaching degrees weren’t offered until 2016-2017, and I jumped on the first outstanding accredited program.

What are the three biggest challenges you have faced growing the business, and how did you overcome them?

Overcoming the fear of doubt. Understanding that oftentimes your worst enemy and worst critic is yourself.

You recently trademarked “Venting Session” as a service in your private counseling practice. Why did you feel the need to trademark this service, and what makes this service so unique?

Many people don’t want, can’t afford, or don’t trust therapy. I’m an advocate of therapy; however, I also understand that sometimes you just want to get something off your chest, get some unbiased advice without the hassle of insurance or high copays. Sometimes you need to talk to a professional with no strings attached, someone that relates and can identify with your situation. Someone other than your relatives or close friends – that’s me. Venting session is a 45-minute session that offers more than a space to let go but a space to heal and be heard, become grounded, and get a clear perspective on what’s next.

The Perfect Side Hustle For You, According To Your Star Sign

Expert Shares How To Save Money As Australian Inflation Surges

Inflation surges in Australia, climbing by 3.5 percent, meaning you may have to pay an extra $500 every month for your mortgage.

With the cost of petrol and building materials soaring, Westpac, Australia’s second-largest bank, is also forecasting six RBA rate rises within the next two years

Nick Drewe, money-saving expert at Australian discounts platform, WeThrift, shares his top tips on saving money on energy bills, tax, and other daily costs including supermarket shopping and travel and ahead of the upcoming hike.

1. Keep checking your bills regularly: Whilst some energy suppliers have been known to either make changes to tariffs or make mistakes when charging customers, it’s always a good idea to check your regular household bills.

With winter approaching, those who continue to work from home or have flexible conditions may opt to stay at home, therefore bills for water, energy, and mobile data are likely to increase.

2. Research before choosing a supplier: While many billpayers may instinctively choose an energy supplier they are familiar with, this may not always be the most cost-effective option. Really delve into a wide range of energy suppliers available and compare their prices.

Also note, if you are looking to switch energy suppliers, be sure to analyse each company’s exit fees, and opt for one that won’t charge the earth if you want to leave.

3. Understand your energy bill: Whilst there are often a lot of terms and conditions to read, attempting to understand the information related to your energy tariff and household consumption could help you keep the costs of your bills down.

The personal projection on the bill is the amount your household is expected to spend over the next 12 months, and the tariff comparison rate figure helps you understand how much you’re spending per kilowatt-hour of gas and electricity.

Knowing this information will make it easier when comparing energy deals if you are planning to switch to a cheaper one, or help you monitor your current energy consumption.

4. Book travel tickets early: If you’re someone who likes to plan ahead for the coming months, then this could help you make significant savings when it comes to booking your rail travel. Securing your train tickets between one and three months ahead of time could benefit you hugely when it comes to saving pennies.

If possible, always try to book train times that don’t clash with rush hour periods too (06:30 – 09:30 and 15:30 – 18:30).”

5. Look for discounts codes before ordering takeaways: If you’re treating yourself to a well-deserved takeaway, before clicking ‘checkout’ on sites like Deliveroo or Menulog, it’s always worth a search on voucher sites for any discount codes or free delivery incentives that could knock your basket price down.

Also, always check your emails for any promotional vouchers that may have been sent following your last order. Often delivery couriers will offer customers small incentives ahead of their next purchase to retain their loyalty and avoid them being tempted to order elsewhere

Deliveroo customers have the option to ‘Refer a friend, which will secure both of you $10 off your next order.”

6. Find the best exchange rates: With foreign travel allowed once again, many are looking for a last-minute getaway to enjoy some much-needed sand and sunshine.

Despite booking a last-minute trip, when it comes to gathering your currency, it is best not to exchange your money last minute at the airport. This is because the rates are generally much less favourable than online or high-street alternatives, therefore preparation is key.

When booking a last-minute break, try to order your euros for collection in advance of your travel dates to take advantage of the best possible rates.

Getting yourself a money travel card will help you get the best rates and whilst it doesn’t fully replace having currency in hand, once you are there you can use these at no cost for spending or withdrawing from a cash machine.”

7. Time your grocery trips wisely: Try to time your grocery trips for when your local stores are likely to have just added yellow ‘reduced’ stickers to stock that needs to be sold that day. Making the most of these heavily discounted deals will help you to fill your freezer up with discounted meat, fish, and freezer meals for cheaper food options in the coming days and weeks.

Normally workers will start discounting products that are about to pass their sell-by-date later on in the afternoon or early evening, so a food shop after work is the perfect time to grab a  bargain.

Many supermarkets also have clearance sections where products that cannot be sold at their RRP or may have damaged packaging can be found. Just make sure to check you are happy with the item and that the goods aren’t compromised before heading to the checkout.”

8. Cancel any unnecessary direct debits: Now is the perfect time to log on to your online banking and scour your direct debits and standing orders to see if you can cancel anything that’s become an unnecessary spend.

Whether it be a gym membership you aren’t quite getting your money’s worth for, or a streaming service you signed up for during lockdown that you no longer make the most of, cutting these small outgoings will make a difference to your bank balance in the long run.

Also, make sure all of your monthly direct debits look correct, and if there is any questionable outgoings from your account to immediate

Source: https://www.wethrift.com/tag/australia 

This article was sourced from a media release sent by Laura Burns @ JBH

NSW & QLD Voters Say Clean Industries Are The Key To Future Jobs & Prosperity… According To A New Poll

A new poll of over 2000 voters in regional, rural and metropolitan Queensland and New South Wales released recently reveals that 6 in ten believe the states’ future economic prosperity lies in clean industries, such as renewable energy exports (e.g. green hydrogen), critical minerals like lithium and cobalt, and manufacturing renewable products.

Notably, only a quarter of voters in Queensland (26%) and about one-fifth in New South Wales (21%) believe their state’s future prosperity lies in coal and gas.

New South Wales and Queensland dominate Australia’s coal export sectors, with New South Wales being home to the world’s largest coal port, in Newcastle. Three of Australia’s major liquefied gas export facilities are located in Queensland.

Yet two-thirds of voters say clean jobs in renewable energy will be the best source of future employment (63% in QLD and 68% in NSW). Overall, less than a quarter of respondents back fossil fuels as the best source of future jobs (27% in QLD and 19% in NSW).

The survey, commissioned by the Climate Council and conducted by YouGov, also found that:

  • 6 in 10 say the government’s top investment priority should be in renewables (60% QLD; 62% NSW). In QLD, only 20% nominated coal and 15% said gas. In NSW, the figures were 15% for coal and 17% for gas.
  • More than 6 in 10 overall agree that further cuts to carbon emissions will deliver economic benefits to workers (58% in QLD and 64% in NSW) and to businesses (59% QLD and 66% NSW).
  • 6 in 10 agree that regional areas will benefit most from the global transformation to renewables (60% QLD; 61% NSW).
  • Only 2 in 10 believe workers who rely on fossil fuels are getting enough support to prepare for a decarbonised future without coal and gas (19% in QLD; 21% in NSW).

Leading economist and Climate Councillor Nicki Hutley said:

“This polling reveals that people in New South Wales and Queensland understand the era of coal and gas in this country is coming to a close as the world rapidly decarbonises. They strongly support government investment in new, clean industries that will future-proof jobs and secure our economic prosperity.

“There is a huge opportunity for the historical coal and gas heartlands of New South Wales and Queensland to grasp the economic rewards of the global zero emission transformation, and the people see this.

“Significantly, voters recognise that further cuts to carbon emissions – critical if we are to keep global warming in check – will increase jobs and lift economic growth.

“They also think regional areas will benefit the most. However, there is a strong view that there needs to be better support from government for communities that currently rely on fossil fuels in order for them to adjust to the changes.

“All governments should pay attention to this public groundswell of support for clean industries, and commit to credible carbon cuts this decade. The Federal Government can play a huge role in helping Queensland and New South Wales harness their immense natural advantages and put these states on a path to becoming clean industry and renewable superpowers.”

Dr Amanda Cahill, CEO of The Next Economy, a not for profit that works with business, local government and the community to manage the transition from fossil fuels to clean new industries, said:

“There are so many opportunities for regional areas and they’re crying out for support from government to help them diversify their economies.

“This poll reaffirms what I’ve been hearing on the ground. Workers, businesses and investors are ready to take advantage of the opportunities in the new economy, but they need the government to back them in with clear targets, regional development funding and planning support.

“The countries we export to are already on the road to net zero emissions and we have a choice – help them do it or lose out on those new export opportunities.”

Other spokespeople include:

NSW (quotes available here):

Sam Mella, Hunter Engagement Lead, Beyond Zero Emissions

Geoff Bragg, solar installer and trainer Armidale, NSW, who can’t keep up with demand and sees a critical shortage of workers.

QLD (quotes available here):

Dr Heidi Edmonds, Gladstone Engagement Lead, Beyond Zero Emissions

Jason Sharam, CEO of Mackay based renewables company, Linked Group Services

Luciano Giangiordano, CEO of Enertech PV, a renewable energy company designing and developing large-scale solar farms in Queensland, based on Sunshine Coast

The full statewide poll findings from NSW and QLD, the full questions, and a methodology statement are available here.

This article was sourced from a media release sent by Medianet

Forget Get-Rich-Quick. Here’s How to Get Rich Slowly But Surely.

By Michelle Baltazar

Are you stingy or generous? 

I figured for any financial advice to be effective, it has to involve absolutely no sacrifice on my part. Zilch. Nada. I put my hand up for reading finance articles that tell me if I don’t buy that $3.50 cup of takeaway coffee in the morning, I’ll be able to save $875 in a year.

Excellent! But then I’ll be miserable for the entire year, too, so that advice ended in the bin, right next to a discarded coffee cup.

This article will tell you how to save money you don’t see. There are many ways to do that, but I’m keeping it to three based on your age bracket.

If you’re 20 and under

Tip no. 1: Honestly? Don’t even worry about it. Chances are you’re working at a fast-food chain earning about $15 or so an hour. By the time the weekend rolls in, your paycheque will be just enough to buy that t-shirt you’ve been eyeing for ages. What’s the point? Squander $40 on a t-shirt that’ll make you feel good while you’re wearing it? Or put it in the bank and feel miserable? Hey, that make-up kit is on sale… bargain!

So the tip is if you decide to live your teens with no financial compass whatsoever, you’re not alone. Besides, you’ll have your 30s, 40s, 50s, and 60s to be financially responsible. So make the most of your youth while you still have it!

Tip no. 2: Alright, so you’re one of those who do want to save up. Brilliant! Use the power of compound interest. Put simply, the sooner you start saving, the better off you’re going to be.

For example, if you save about $10,000 by the time you’re 18, then you will have 100 times as much, or around $1 million, by the time you retire (as long as you make 10% per year). The calculations get complicated because you need to factor in many things, but the bottom line is that the sooner you start saving, whether it’s $1,000 or $10,000, all you have to do is let time work for you.

That’s the lazy girl’s guide to saving. Don’t scrimp. Just put money in the bank and promise yourself that you won’t cash it in until you’re in your 50s. Let the power of compound interest make you a millionaire.

Tip no. 3: Study hard. It’s going to be tough to ask you to develop a finance strategy when you’re trying to sort out your relationship strategy or ‘how to move out of home’ strategy. Studying hard means, you’ll be setting yourself up to get a high-paying job straight out of university. Or at least have more options ahead of you.

Studying hard also means you’ll be cooped up at night rifling through reams of notes instead of being out with your friends – and spending money.

If you’re in your 20s and 30s

Tip no. 1: Stop thinking of your tax return day as a shop-till-you-drop day. Put the money aside and consider it your savings for the year. Easy. When your savings hit $5,000, put it in a high-interest savings account and forget about it.

If you happen to be earning so much that you have to give the Australian Tax Office (ATO) more money, don’t worry. It just means you’ll have more money to make through tax-deductible investments or some form of salary package. But that’s the subject of another article.

Tip no. 2:

  1. Buy a property as soon as you can.
  2. Talk to your parents if they can help you.
  3. Shop around for a good home loan deal.
  4. Go on a ‘chicken noodle soup’ diet for six months for the deposit if you have to.

One of the best decisions I made was buying my first property at age 24. I wasn’t ready, but circumstances forced me to sign the dotted line. You don’t have to be 100% sure that you can afford one. Even if you’re only 70% there, the rest will work itself out. The key thing is that property prices, on average, double every seven years, so even when house prices are high, they can only get higher.

Of course, given the housing prices are down right now, you could wait a while until they hit rock bottom. You could save tens of thousands if you got the timing right, but all that waiting might make you change your mind. Mortgage boots today or tomorrow is no less painful. Just bite the bullet and see the fruits of your labour in seven years.

Tip no. 3: Have at least one business failure under your belt. If you look at BRW Rich200, a list of the country’s wealthiest families and individuals, you will notice one trend: most are not rich through inheritance but hard work. One thing most of them have in common? Bankruptcy at some point in their career or at least one business venture that failed before they struck gold.

Your 20s or 30s are the best time to dream big because even if you fail, you still have time to recover and pursue something else. If you leave it any later, you might not be foolish enough to brave the odds. Nine out of 10 businesses fail, but the one business that does might just put you on the Rich200.

If you’re in your 40s and 50s

Tip no. 1: Check your super. In the early 90s, the government introduced a new law that requires all businesses to set aside the equivalent of nine percent of their worker’s salary in a so-called superannuation fund. The rationale at the time was that millions of Australians weren’t saving enough for their retirement, and their future pension might not be enough for their needs. Not enough for a country that rates itself as first-world.

While you may regard super as ‘invisible’ money because you can’t get your hands on it until you retire, it is ‘real’ money. More importantly, the government has introduced new rules last year which give people better tax rates and more money (under a so-called government co-contribution scheme) if they divert their savings out of their savings bank account and into super.

The tip? Find out if you have one or more super funds and merge them into one account. Check the website of your current super fund to find out more. You’ll cut down your fees and have more savings come retirement.

Tip no. 2: Check your super. This is not an error. It’s worth saying twice because statistics have shown 90 percent of people don’t bother. Do two things: find out your superannuation account balance and find out if you have one or more super funds.

Your decision to ignore this advice can make the difference between watching polar bears aboard an Alaskan cruise or watching polar bears at Taronga Zoo.

Tip no. 3: Stay away from ‘get rich quick’ schemes. Statistics show that those in their 40s and 50s are the main targets of con artists simply because many baby boomers have ‘lazy’ assets lying around. This could mean the main home, investment properties, or shares inherited from working in a company. Many would also have tens of thousands in the bank just waiting for an ‘investment’ home by this time.

In the last two years, many Australian investors have been caught out by the collapse of property companies such as Westpoint, which promised much higher interest than its rivals. It turned out the company was using the money from ‘new’ investors to pay off the ‘old’ investors. It didn’t help that some financial planners were getting a lot of commission for recommending the company to their clients.

The lesson? Don’t squander your life savings on investments that sound too good to be true.

Money tips for all ages

Managing money is complicated. Studies show that the Australian tax system could be simplified. Superannuation is too complex to understand. Saving money is difficult when there are many products to choose from, and fraudsters are only too eager to con you.

Against that environment, there are three things you can do to get rich slowly but safely:

  • Let ‘time’ do all the hard work.
  • Buy an asset as early you can and, as unexciting as it sounds.
  • Find out more about your super.

Oh yeah, don’t max out your credit card. But who am I kidding?

Source: The Australian Filipina

The 4 Most Vital Elements To Know About Online Marketing In 2022

Let’s face it, online marketing is always evolving. There will always be changes in the manner that people make transactions through the Internet, which means that online marketing can also change along with it.

In order to go along well with the possible changes in the virtual marketing procedures, you must know the essential elements that are guaranteed to lead you to a successful business endeavor online. The following are the most vital elements to know about online marketing for an efficient business venture online.

Market knowledge

Prior to endeavor online, you should first know your target audience. The moment you have effectively learned who your target market is, it will be easier to start for you at that point. Once you already identified the market that you will deal with, it will improve your chance of learning about the marketing strategy that you will use in your business. Market knowledge is the foundation of any marketing technique whether doing an online or physical transaction.

Responsive website

A responsive website is composed of images, videos, and other important elements of an operational website. Your site should have a series of capturing leads that can help you gain potential customers that you might not be expecting at first. A website can be compared to a virtual brochure wherein you will have a catalog of your products and services. Having your own website will surely help in establishing a good business identity for your business.

Content

Your content means a lot in online marketing. In most cases, a business can easily be identified through its content which is why it is necessary for you to come up with high-quality content. Internet marketing is a broad area in the virtual world wherein you are most likely to encounter a series of competitors in the same niche as yours. A business has a higher possibility of getting known in the market because the content is easier to contribute online.

Quality design

Aside from the fact that you need to have quality content for your site, it is as well essential for it to have a creative design to attract potential customers. A good design for your website is a great investment that will give you higher chances of increasing the number of your audience. You should make it to a point that you invested in quality design to make it more comfortable for your customers to deal effectively with you. Paying attention to great design is a way for you to arrive at the best results for your business.

Learning about these elements of online marketing is the first step towards a successful marketing plan over the Internet. Making money online goes on a careful procedure in order to increase your sales at the end of the day. When you work on each of these elements, you will be able to produce more sales and revenue by the end of the year. In this case, you can call your business truly a success.

Photo by Canva Studio from Pexels

Future-Proofing Australia’s Workplaces And Cities From COVID-19 Requires Fundamental Cultural Change

Managing an ‘open Australia’ will require a re-evaluation of the way we design our cities and workplaces according to an expert panel convened by the Committee for Economic Development of Australia (CEDA) and sponsored by GSK Australia.

The panel discussion, Proofing against future pandemics, focused on how health, smart cities, and resilient workplaces will inform Australia’s success as we learn to live with COVID-19.

David Fitz-Gerald, GSK Australia and New Zealand Head of Human Resources said building resilience into the workplace requires a change in culture.

“GSK is known as an innovator in medicines and vaccines. The COVID-19 pandemic prompted us to take further steps forward as an innovative workplace,’’ said Mr. Fitz-Gerald.

“It prompted us to find new ways to support our people to thrive. We have applied a new philosophy of ‘flex-pathy’, providing our workforce with ‘maximum flexibility’, coupled with clear and consistent communication. This philosophy was embedded while also ensuring a sustained focus on our company goals.”

Mr. Fitz-Gerald also said that companies that apply lessons from the pandemic will reap the benefits when it comes to attracting talent in competitive labour markets.

“Looking to the future, we created a framework, called ‘Performance with Choice,’ which is brought to life in our culture, not in policy.  We encourage our people to have open conversations to identify ways of working that support their performance and their team and to feel safe and secure knowing that this flexibility is available to them.”

Panellist Malcolm Smith, Australasian Cities Leaders, Arup, said that re-evaluating our approach to the way we design our cities for work, education, and leisure will be important in the management of pandemics in the future.

“Cities are not just about physical structures, they are representations of our social and economic aspirations. When we have our cities disrupted, it affects all of those aspects. We need to understand re-integration of those aspects as we come out of disruption and model new scenarios with the lessons we’ve learned,” said Mr. Smith.

“This includes seeing an increase in local trends, provision of services, and changes to the composition and concentration of city centres. This has consistently played out in the pandemic as we saw inequitable access to open space across the world.”

“We now have the digital capacity to monitor the impact of disruption and its social effect on our cities – and we need to use it. We need to model our cities for multiple-use scenarios and have a conversation about making this a requirement for city design, like some countries in Europe.”

Panellist Jeff Connolly, CEO at Siemens ANZ, emphasised smart technology as a critical lever to address the global challenges of pandemics.

“We used to be bricks and steel only, but now we’ve got fully intelligent buildings and infrastructure. Pandemics require the real-time response that technology can provide, helping us to address the challenges of future pandemics,” said Mr. Connolly.

“At the start of the COVID-19, we used a lot of preventative measures with some of them proving unnecessary later. This was all because our environments were not designed to contain a virus-like COVID-19. We now have an opportunity to use smart technology so we can design these environments with purpose.”

“Digitalisation is at the heart of the solution. Smart technology is already being used in purpose-built locations like the National Gallery of Victoria. Solutions like increased filtration, UV lighting, and ionization mean we’re able to address the challenges of the disrupted cities we now live in.”

Today’s discussion was facilitated by Dr. Mel Miller, partner of Deloitte Access Economics, and was the second in a series of three sessions that focus on Australia’s post-pandemic future.

The next “Pandemic to Endemic” panel discussion will be held in February 2022.

This article was sourced from a media release sent by Medianet

Photo by CoWomen from Pexels

3 Real Ways To Make More Money In 2022 (In 10 Days)

By Michelle Baltazar 

If one of your new year’s resolutions for 2022 is to sort out your finances, you’re not alone. The Coronavirus pandemic brought on drastic changes in our ability to maintain a secure job, earn extra income and start (or keep) a new business.

But there are ways you can make 2022 a better year by following these two simple steps – in 10 days. The best thing to do is to spread the tasks over several weekends.

Tip #1 Start a weekly savings budget. Time required: Two-three days

Technically, you can prepare this budget in a couple of hours or less, but to avoid the anxiety, allocate a weekend or two. There is also a difference between an expense budget (how much you spend) versus a savings budget (how much you save).

Most people know they have to set aside a certain amount off their wages for bills and other expenses but not many put together a weekly savings budget – and that’s a big difference.

I’m not saying this is going to be easy but it’s absolutely worth the effort. There are many budgeting spreadsheets available on the internet but I recommend this one from the government as it means you’re not giving away your financial info to a third-party service provider (unless you don’t mind this!).

Step one: Go to Budget Planner and work out your expense budget as indicated in their spreadsheet. It’s alright if you can’t fill the spreadsheet completely. If you can at least cover your major expenses, then you’re already a step ahead of most people.

Step two: Once you’ve filled in the spreadsheet, you’ll know how much money you have remaining. From this amount, you can work out your weekly savings budget.

Step three: Hey, if this is all too hard, to begin with, nominate a savings amount and stick with it for the year. Even a small amount, say $50 a week, works out to be at least $2,000 for the year.

Tip #2. Check your superannuation. Time required: One-two days

Again, you don’t need two days to do this, especially if you’ve already downloaded your superannuation app. But if you’re scratching your head and wondering what ‘superannuation’ even means, your future self will thank you if you swap an hour of a Netflix episode with an hour of googling the term.

Here’s a link to a government website to know more: How Super Works

The actual tip here is that by the end of this exercise, you should be able to answer two important questions:

What is the name of your superannuation fund?

What is your superannuation account balance?

If you can answer both of those questions easily, well done! You’d be surprised how many people don’t know these very basic details about their super.

Tip #3 Subscribe to Money Magazine for their twice-a-week free newsletters. Time required: Less than five minutes

Full disclosure: I am the editor-in-chief of this magazine so, of course, I’ll recommend that you subscribe to it but I can’t tell you how many hundreds, even thousands, of dollars I have saved simply from reading tips from the finance experts we feature over the course of the year.

You can also choose to subscribe to any other finance newsletters or websites. It doesn’t matter as long as you do subscribe to at least one finance-related resource in 2022. Financial literacy can do wonders for your wallet.

The main thing though is that you don’t invest nor give your money to finance schemes that sound too good to be true. If they are offering you unrealistic returns, it’s most likely a scam.

There you have it – three tips to kick off your financial journey in 2022. There’s so much more than you can do but I believe in the power of three when it comes to completing tasks, big or small. By ticking these three goals first, you’re more likely to gain confidence in your financial acuity.

Source: The Australian Filipina

Photo by Karolina Grabowska from Pexels

Revealed: THIS decade Produced The Best Looking Cars

A new study from Confused.com (Q4, 2021) has revealed that the 2010s produced the most beautiful cars, according to Fibonacci’s Golden Ratio – a mathematical symmetry ratio that influences perceived attractiveness. The golden ratio – which analyses the height and width dimensions of the ‘face on’ view of the car, was used to determine the scientific beauty of over 370 cars. Confused.com can now reveal all!

The results:

Decade

Decade’s average % match to the golden ratio

Most statistically beautiful car from the decade

Car’s percentage match to the golden ratio

2010s

90.18%

McLaren 720s 4.0 V8

99.73%

2000s

87.83%

Lamborghini Gallardo Coupe

99.20%

1970s

85.37%

Mercedes-Benz C111 – 11 D

99.33%

1990s

84.94%

Ferrari F355 GTS

95.61%

2020s

84.00%

McLaren GT

98.08%

1960s

79.49%

Bizzarrini 5300 GT Strada

97.99%

1980s

79.36%

Lamborghini Jalpa P350

98.08%

1950s

76.34%

Chrysler Plymouth Fury (KP31)

95.30%

1940s

74.48%

Ferrari 166 MM Zagato Panoramica

88.27%

2010s produced the most statistically beautiful cars

Confused.com can reveal that the 2010s is the decade which produced the most statistically beautiful vehicles. Cars released in this decade averaged an incredible 90.18% match to the golden ratio. Of the cars released during this decade, the 2017 McLaren 720s 4.0 V8 is the most attractive. With an almost perfect 99.73% match to the golden ratio, it’s also making the most stunning of all cars analysed. The decade’s high average is also down to the 2017 McLaren 570s Coupe (99.24% match) and the 2012 Lamborghini Gallardo LP560-4 Coupe (99.20% match). These beautiful models finished second and third in the decade, respectively.

The 2000s comes in second place, with releases in this decade averaging an 87.83% match to the golden ratio. The 2003 Lamborghini Gallardo Coupe can be thanked for assisting with this high average, due to its 99.20% match to the golden ratio. The second best from this decade is the 2000 Ferrari 360 Modena Challenge Stradale F1 (99.07% match), followed by the 2008 Aston Martin One -77 in third (98.85% match). When it comes to the 17 Aston Martins analysed, the One -77 is the most beautiful, beating iconic models such as the 1963 Aston Martin DB5 (76.96% match).

It was the 1970s which produced the third most statistically beautiful cars, with an 85.37% match to golden ratio for the decade on average. Confused.com discovered that the 1970 Mercedes-Benz C111 – 11 D is the most mathematically stunning car released, with a 99.33% match to the golden ratio. This places the Mercedes as the third most beautiful car overall, and the oldest car to make it into the top 10.

In fourth place is the 1990s, with car releases averaging an 84.94% match to the golden ratio. With a 99.20% match, the 1994 Ferrari F355 GTS is the most stunning car to come out of the 90s, and the second most beautiful car overall. This is followed by the 1996 Lotus Esprit V8 32V Turbo as the second-best car of the decade (98.96% match), and the 1994 McLaren F1 in third (98.67% match). The F1 is also the second-best of all McLarens analysed.

40s and 50s: the least beautiful decades for cars

With a 74.48% match to the golden ratio on average for the decade, it’s the 1940s that produced the least statistically beautiful cars. The 1949 Ferrari 166 MM Zagato Panoramica came out as the most stunning, with an 88.27% match to the golden ratio. However, despite being the most statistically beautiful of the decade, the Ferrari falls short in the overall rankings. It places just 112 out of the 372 cars analysed, and 22 out of the 29 Ferrari models considered for the research.

The 1950s produced the second least statistically beautiful cars, with a 76.34% match to the golden ratio on average. With a percentage difference of 95.30%, the best car to come out of the 50s was the 1957 Chrysler Plymouth Fury (KP31). Of the five Chryslers analysed in the study, the Plymouth Fury takes first place. This beats younger models such as the 1997 Plymouth Prowler (92.11% match) by 3.19%, and the 1970 Plymouth Superbird (89.27% match) by 6.03%.

Alex Kindred, Car Insurance expert at Confused.com, comments:

“Although car design and technology have evolved throughout the decades, many classics from the 70s and the earlier years are clearly still popular today, with enthusiasts desperate to get their hands on them.

If you’re fortunate enough to own one of these classic beauties, keeping it secure should be a priority, as many classic cars don’t have the security systems more modern cars do. And it doesn’t have to be pricey. If you have a garage, keeping it stored away overnight might be a safer option than leaving it on the driveway.  Or you can invest in security devices, such as a steering wheel lock or a GPS tracker, which both help in keeping your car more secure. Our guide to car security highlights some of the most effective ways to keep your pride and joy safe.”

Please Note

  1. Confused.com sought to determine the most scientifically beautiful car from each decade according to the golden ratio (a mathematical symmetry ratio that influences perceived attractiveness) of the front view of the car.
  2. A list of a maximum of 50 iconic cars of each decade from the 1940s to 2020s was obtained from reputable sources using in-house metrics. Please access the full list of sources in this Google document.
  3. The width and height dimensions of each vehicle within the dataset was extracted from each vehicle’s manufacturer’s official website. Any model specifications not found on the sites were alternatively sourced from one of the following sources: Conceptcarz.com; carfolio.com; autoevolution.com;  auto-data.net/en/supercars.netfastestlaps.com/dimensions.com ; allcarindex.com ; carsopedia.comcarsguide.com.au ; automobiledimension.comev-database.uk. Cars with no data available were omitted from the study.
  4. Following the collection of data, the ratio of width to height was used to calculate the difference against the golden ratio dimensions (1.61803398875). In total, 372 cars were analysed.
  5. Subsequently, percentages were calculated to express the difference from each car to the golden ratio.
  6. All vehicles were ranked in ascending order, deeming the most beautiful cars as the ones closest to the golden ratio proportions; therefore, determining the most statistically beautiful cars from each decade.
  7. All data was collated in November 2021 and is subject to change.

Source: https://www.confused.com/car-insurance  

Photo by Broderick Armbrister from Pexels

 

Meet The Entrepreneur Behind The Cover Of The January 2022 Issue Of MoneyCentral Magazine: Scott Hughes

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A veteran entrepreneur, Scott Hughes is the founder of OnlineBookClub.org. He is also a highly sought-after author of four books; Justice: A Novella, 10 Step Plan to Promote Your Book, Achieve Your Dreams, and The Banned Book about Love. He recently announced that he finally finished the first draft of his next book “#InItTogether: The Beautiful Struggle Uniting Us All.”

Born and raised in Manchester, Connecticut, from 2006-2014, he worked at various modest jobs on the side, including being a server and bartender at various local restaurants. In late 2014, Scott eventually decided to give up his side jobs and focus working full-time on just one thing – OnlineBookClub.org. OnlineBookClub.org is a bibliophile’s heaven and one of the best websites around for booklovers. It has it all; free books, daily contests, book discussions, and so much more. OnlineBookClub.org will even pay people to read and review books plus; it’s free to use, hence why it grew at such a rapid pace.

Since 2014, OnlineBookClub grew from strength to strength, and, as of November 2021, OnlineBookClub has garnered over 2.7 million registered members. Its development team recently released an OnlineBookClub e-reading app which is supposedly meant to compete with Amazon Kindle, called OBC Reader – it’s now available on both the Google Play Store and the Apple Store.

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

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

Fundamentally, I grow the business exponentially with a simple formula: I delegate whatever and as much as I can, hiring new people as needed. Then I take the time of mine that’s been free to do extra work or new projects that I wouldn’t have had time for otherwise. I also push that pattern down the chain as much as possible so that the other people I have working for me delegate what they can to others, especially new hires, freeing up themselves to take on more work.

Essentially, when I hired my first full-time assistant, it doubled the output. Then I eventually hired two more people, one for me to delegate to and one for my assistant.

For me, it comes down to crucial ingredients: Delegation and leveraging the power of exponents and exponential growth.

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

My Social Media Director, Beth Jackson, leads our social media team. To be properly active on multiple social media platforms requires an entire team of people. Off the top of my head, we currently primarily use Facebook, Twitter, Instagram, Pinterest, YouTube, Reddit, LinkedIn, Minds.com, and MeWe.

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

It depends on what you are advertising. PPC on search engines like Google can provide highly targeted leads at almost unlimited volume, fairly easily. But it only works if you have a way to monetize those targeted leads in a way that exceeds the cost of obtaining them at volume. For instance, I don’t feel that it’s a good strategy for advertising a single $3 book because the profit per book sale will not be enough to cover the cost of obtaining an initial lead and a $3 sale from the ads.

If the cost of your product or service is high enough and converts well enough with targeted leads, it can work. But another factor is whether you are using those leads to create long-term relationships. So, for instance, it could work great for a subscription service, such as one of those weekly subscription boxes for prepared food in the mail.

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?

My main tactic is making the best product I can or in other words, ensuring customer satisfaction. I follow this motto: Great advertising only makes a bad product fail faster. And, in a competitive commercial setting, anything less than great or amazing is a bad product. In a competitive commercial setting, merely good is not good enough.

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

Viral marketing is the only thing that has ever really worked for me. You make a great product or service, and then as needed, find a way to encourage your customers or users to spread the word. The more important part is the former, and depending on the business and product the latter may do itself.

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

Personally speaking, my wife and I chose to get divorced in early August. That’s not really business-related, but it definitely comes to mind when you mention tough decisions.

But it speaks to this point: business decisions aren’t really ever tough for me. It’s the common cliché from movies and such that someone says usually before doing something seemingly mean “It’s not personal; it’s business.” Business is often just math. Which one makes more money? Which one costs less? Which one takes less time? What’s the bottom line?

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

When I first went full-time working on my business without any side jobs to pay my rent and put food on the table, I was working 70-80 hours a week. My profit—meaning what I paid myself—the first year doing that was $20,000. I worked 70-80 hours because I had to keep the business from going under and pay my rent and bills. I was scraping by the pennies some weeks—literally; I remember taking my jar of coins to the Coinstar machine on the 10th of the month because rent was due and I literally would have been short unable to pay it without cashing in the $5-$10 in coins I had.

I prefer the term learning experience to mistake, but what I would have done differently if I knew what I knew now is this: Once I got in that habit of working 70-80 hours a week, I kept going for years beyond what I had to. The company and business became very successful, I became very successful financially and professionally. About a year or two ago, I started cutting back and working a lot less per week. I could have afforded to do that much sooner.

And giving myself more free time personally made me more creative and thoughtful, so I think it’s actually been helping the company and business grow even more, ironically.

Sometimes the best ideas for the company come to me while I’m sitting in my hot tub looking up at the moon and stars.

What new business would you love to start?

I would love to start some kind of business that helps people achieve their goals and dreams, particularly in a way that focuses on self-discipline. For me, I use the term self-disciple interchangeably with the term spiritual freedom.

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

I got started young. I created OnlineBookClub.org when I was still a teenager.

In one way, I made a ton of mistakes both professionally and personally. My values and priorities now as a 35-year-old man are so different. This 35-year-old Scott speaking to you now would do things much differently than teenager-Scott, but he did what was right for him. If he had done anything differently, the man speaking to you now wouldn’t exist. So I wouldn’t change anything. It’s the Butterfly Effect. I believe in the principle of Amor Fati, meaning love your fate, which in this context means seeing the past as being perfect just as it is. I wouldn’t change a thing about it. Another way of saying the same is to say accept what you cannot change. I believe strongly in that, and the past is something I cannot change, so I believe in wholly accepting it and embracing it with inner peace, seeing it as perfect.

What is the best advice you have ever been given?

I wasn’t given it personally, but my best advice comes from Ram Dass, as paraphrased by Mike Posner, and it’s only three words: “Just Love Everything.”

I have that tattooed on my right forearm, where I can see it every day.

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

You have to be driven by something other than money. In my anecdotal experience and just from watching the world around me, I’ve found that those who desperately chase money are the least likely to find it. In contrast, when you work hard on yourself and your real dreams, the money chases you. Money and even health and physical fitness are only really ever a means, not an end in themselves. Without some kind of vision or passion to be the real end, the real goal, the real dream, it’s like driving a car with no gas.

When someone overvalues money itself, that person often tends to end up getting paid to work on someone else’s dream in exchange for money.