Financial tips for working teenagers

There are many teenagers working to complete the graduation, and they work continuously to ensure that the necessary level of satisfaction is achieved from their end. However, they do not have adequate knowledge as far as money Management is concerned.

To make it easy for you, here are some tips that should help.

1. Spend money to a certain extent only

With the intention to live a satisfied life, you need to be sure that you are constantly pushing yourself to get the results you need, and, in the process, you might make unnecessary expenses that will haunt you later on. In this case, it is advisable to make sure that you categorize your expenses and spend only a certain sum of your total earnings on things you need.

It is possible that you might face a number of difficulties at the start of your campaign, but soon you’ll understand what is important and what should be avoided.

2. Limit the use of credit cards

Being a teenager, it is not advisable to use a credit card more often. We know that some of the best credit cards offer extensive benefits for can help get amazing discounts on your purchases. In such cases, using a credit card is good but don’t make it a habit of swiping your credit card anywhere and anytime. Remember that if you are not in a position to make a payment for the same at a later date, your credit rating will be affected and it will have a negative impact on your future.

3. Get rid of your student loan as soon as possible

It is important to get rid of your student loan as soon as possible because it is a debt that will play on your mind for a long time. There are many students who do not consider repaying their student loan to be important. Creating this mindset is not good because you know that you’ll have to repay it someday or the other hand the sooner you consider starting the repayment process, easier will it be for you to get out of the debt zone.

4. Invest in yourself

Remember that you are still young and there are a number of luxuries you can enjoy only at this age. With this being said, you should make sure that you are investing a certain amount of your earnings in yourself. In this case, health-related expenses should top the list. You should understand that investing in yourself will help you in feeling good about the expense made and it will keep you satisfied.

Getting the Best Performance Out of Your Team: How to Identify and Address Skills Gaps

Skills gaps can be one of the most significant obstacles to ensuring an organization attains its goals and fulfill its mission. If staff does not have the skills they need to deliver the results, that of course makes it difficult for an organization to achieve its current goal and to grow and adapt to changing markets and environments. From my experience, however, there are ways to identify knowledge or skills gaps and implement efficient methods to address them.

The Importance of Assessment

In assessing the knowledge and abilities of your current team, it is important to consider your organization’s current and future needs. It is also important to understand that some team members may find it difficult to self-assess and, as such, feedback from other team members and third parties should be included in the assessment. Accurately assessing the team’s knowledge and abilities can, one, give you a more accurate idea of your team’s strengths and, two, show how best to address potential areas of improvement.

A Look at Training and Development

Investing in the right kinds of training and development for your team is equally important as the assessment. Even if staff appear to be heterogeneous in terms of education and experience, as a leader, considering the types of training (auditory, visual or tactile) that will work best for each team member is a valuable part of the process. Online webinars might be helpful for one group, and self-directed training may be suitable for another group, but it’s important to find the right fit so that all team members can develop.

Sometimes team leaders are reluctant to provide ongoing training and development with concerns that it’s too expensive or that there’s not enough time to devote valuable working hours to activities that are not immediately productive. Team members may also be concerned about time constraints and the relevance of the training. I would counter those objections with an observation—in my experience, training and development are essential to recruiting and retaining talent, and when you think about all the costs of replacing employees and the lost productivity when your team is down a member or two, you understand why training is so important. Training and professional development go a long way to making a good team even better.

Another good practice to keep in mind as a leader is to recognize and cultivate the skills that your team members already possess. For example, if a particular team member shows calm leadership during crisis situations, make sure you recognize their contributions to your team’s work and the organization.

However you choose to address skills gaps, it’s important to address the issue and not ignore it. Enhancing the capabilities of your team will add to overall productivity and allow your team to make significant contributions to the growth of your organization.

Fun Ways to Earn Money

If you want to earn money in Canada, there are many fun ways in which you can achieve the objective and be happy about it. We always think some of the ways and if you think it is worth giving a try, don’t hold yourself back and enjoy your time while earning money.

1. Private Island caretaker

This is a dream for many people, and it is possible that you might even want to have a place to take care of where you can soak up the sun, enjoy your time and go on Adventures while being paid for it. Being a private Island caretaker is a big responsibility, but it has its own set of benefits. So, make sure that you start looking for such opportunities and enjoy the task.

2. Designing video games

We love spending time on different video games and have many thoughts in our mind that can help us in developing and an ideal game for every gamer. If you have the skill to design a video and you, wish to make one this can be a great task for you. Designing video games can help you and keeping yourself occupied most of the time while doing something you love doing.

3. Enjoying your time in a Casino

Casinos are fun, and we all know it. There are many people who would want to spend most of the time in casinos but have their fears in mind. If you fall in this category, we suggest that you should look for online Casino Canada and restrict your time and money in this direction. This will ensure that you push yourself to the limit set by you and not by anyone else.

4. Makeup artist

If you love this task, there is no better way in which you can earn money and be happy about what you’re doing. Being a makeup artist and help you in a number of ways and can get you many opportunities. In this case, please suggest that you specialize in a particular category and keep learning to expand your knowledge base and cover different occasions to play with the combinations. Being a makeup artist can also help you in achieving your dream of traveling to different places and gaining exposure when the time is right.

5. Writer

If you have many ideas in your mind and you wish to share it with this world, you can write it down on paper and left in the world recognize your talent. Being a writer, you’ll have many opportunities to express your opinion and to make this world a better place to live in. Remember the freedom you get in this field will not be equivalent to most of the jobs you might consider.

Looking at Five Inherent Traits of Strong Leaders

Why is one nation’s head of state well-regarded for his positive energy and ability to inspire his countrymen, while another’s leader embraces discord and divisiveness? Why is one company’s CEO known for her creative mind, but an abrasive management style that holds the organization back, while another’s passion and decisiveness move his people to embrace positive change?

Not every leader is a good one, and even those who have some of the requisite characteristics for greatness may not have them in sufficient balance to truly earn them the sobriquet of “great.”

Mountains of content have been written about what the best leaders look like and the hard skills and soft ones that they are either born with or develop to achieve leadership success. Of course, there are learned skills, acquired through education and experience – from finance and business operations to the ability to speak a foreign language. And the soft skills can’t be underestimated, like the ability to communicate and persuade others or showing a strong work ethic.

But, beyond “skills,” per se, leaders possess certain innate characteristics or traits that occur naturally or can be cultivated – and should be cultivated among managers who show the potential to be our next generations of leaders.

The essential traits of a leader go beyond the baseline givens of integrity, intelligence or emotional maturity. Some of them are hard-wired within natural leaders. Others need to be cultivated and polished over time. They include:

·      Positive energy. It’s far more productive to build up than to tear down and criticize. People who can stay upbeat, optimistic and encouraging even when circumstances are at their most discouraging will win legions of loyal followers.

·      The ability to energize others. It’s called emotional impact, and those who can make their own positive energy contagious to others come out on top.  Can you make people feel good about what you’re trying to achieve? Maya Angelou put it this way: “…people will forget what you said, people will forget what you did, but people will never forget how you made them feel.”

·       Decisiveness. This is nothing more than being able to act decisively on tough decisions, without waffling, without over-analyzing, without second-guessing. Leaders are able to make the tough calls because they’ve got the confidence to do so. It’s not an inherent trait, but one that that must be encouraged over time.

·      The ability to get things done. This is another trait that must be honed over time and requires self-confidence to carry through. It’s the rare leader who can execute and is also an effective strategist: A survey by PwC found only 8 percent of top leaders were effective at both.

·    Passion. It’s the passion that leaders have for their people, their work and their lives that produces the energy that drives everyone forward. If vision is “what you see” as a leader, passion makes what you see important.

Ultimately, these traits are bound together to create a total, inimitable persona that stands for something more than just “business as usual.”  Starbucks’ CEO Howard Schultz put it this way: “As a business leader, my quest has never been just about winning or making money. It has also been about building a great, enduring company, which has always meant striking a balance between profit and social conscience.”

Financial Habits That The Highly Successful People Have

If you want to be successful you need to develop suitable financial habits because financial education is basically a necessity for true success. There are so many things that you can consider but at the end of the day what counts the most is finding something that works for you. Every single entrepreneur presented online on sites like Xpert Money will have different habits. Here are some that are quite common and that you can consider but be sure you find what is suitable for your personality.

Constantly Generating And Sharing Ideas

Being a successful entrepreneur is directly connected with ideas but it is not just about having them. Also, in many cases idea blocks appear and ideas stop coming up. This is why you want to constantly generate ideas as often as possible. Then, you do want to share them since such an approach would bring in other ideas, money, contacts, future opportunities and connections. There are countless examples of people that just shared their ideas about how a business should move forward on the internet and that business contacted them for further discussions.

Saving More Than 10% Per Month

Most financial education articles you will find online will tell you that you have to save 10% of your income in order to have a backup when things go wrong. This is definitely a great start but the highly successful businessmen actually save a lot more. Going as high as 20% of every single paycheck is much more common than what you may think. That is in addition to setting up emergency saving accounts that the business can use to deal with difficulties. Basically, safeguards are in place so the individual and the business are never broke.

Never Forgetting What Is Set

Most people know that it is important to set up a payment and savings system so that every financial action is as automated as possible. This includes money transfers and bill payments. However, it is not a good idea to simple let the system run and not check it. You want to always be aware of where money is going. Bank accounts are normally checked every single week by the successful people in order to be sure that they know exactly how things stand. This also helps to identify potential problems as soon as possible.

Focusing On Giving Instead Of Getting

When you look at what the really successful people do you surely figure out the fact that they give much more than they get. The idea is that the entrepreneur is consistently looking for opportunities to give back and enhance what people receive for them as opposed to being focused on what others are offering him or the business.


It is very important to find the financial habits that are working great for you and that set you up for business success. The ideas shared above are a great starting point so do see if this is what helps you to go to the next level in your business adventure.

2 Women Sue Winnipeg Car Dealership for “Sexually Toxic Workplace”

A Winnipeg car dealership is being sued by two women who allege they were fired after they reported harassment, threats and sexual harassment to the dealership’s management. The dealership, Vickar Mitsubishi, is being accused of ignoring the women’s complaints.

The two women filed the lawsuit on July 26 and August 4, stating that they worked in a “sexually toxic workplace.”

One of the women, a former manager, filed her lawsuit against the company on July 26 in the Manitoba Court of Queen’s Beach. The lawsuit names the dealership, a salesman and two male managers. She states that she had a ribbon wrapped around her throat by a supervisor who later made lewd comments to her.

The lawsuit mentions another encounter where a manager blocked the women in an office and made sexual advancements to her.

The same man is being accused of putting his hands up her dress and pulling at her waistline. He is also accused of asking the woman if she wore panties on regular occasions and made comments about her body in public.

Sexual harassment is prohibited by Title VII of the Civil Rights Act of 1964. More than 40 years have gone by since the Act was passed, yet men and women continue to suffer, on a regular basis, from sexual harassment in all types of workplaces.

Victor Bargen is representing both women against the car dealership.

Bargen states that the allegations against the defendants include rubbing the woman’s buttocks, rubbing, touching, grabbing and other forms of lewd conduct. The two women remain unnamed at this time.

The women allege that the same manager continued with his lewd comments and touching.

Bargen states that the repetitive conduct is the reason the women decided to file a lawsuit against the dealership. The woman was also fearful for her daughter, according to court documents. The documents state that a salesman made comments about the woman’s daughter, stating “so she looks good.”

The salesman is accused of making sexual remarks to the woman while rubbing her upper back, shoulders and neck.

The additional lawsuit filed against the dealership names the company’s president and the same manager as defendants.

Vickar states that the company acted quickly to address the complaints from the women. The company alleges that the incident led to the manager leaving the company and changes to practices inside of the company.

The company also started to incorporate diversity training sessions into their training to teach employees how to properly act in the workplace.

Really Simple Tips To Help You Save Money In College

When it comes to finances the life of a college student is definitely getting tougher and tougher. Saving money is a necessity for most students and unfortunately, financial education is not something that is often considered by them or their parents at early age, when it is needed the most. Fortunately, it is never too late to turn around. There are always things that can be done so read on to learn how to effectively save money in college.

Keep Track Of Where Money Goes

This is one of the most important things at the end of the day since you have to be 100% sure that you understand where money is lost. It is impossible to know what to do and develop great spending habits if you get the money and you then spend it without knowing on what.

Make A Thorough Budget

Budgeting is not something that is pleasant for most college students since there are other activities of more interest. However, it is something that is going to help you a lot more than you imagine. At its basis, the main thing is to estimate monthly expenses and incomes. This may take some time in the beginning but as time passes you will be able to easily do it, control your money and have a better college life.

Avoid Abusing Credit

Whenever you visit a site that offers good financial advice you are told to be extremely careful with credit. This is even more important as a college student. When you have a credit line that you can use to easily access funds you are easily tempted to take advantage of it. Being responsible with your cards is a necessity though as you can so easily lose control of everything. Charge just the money that can be paid off every single month while saying within the budget. When you are very easily tempted, be sure that the credit card stays at home. Take only the cash that you can safely afford spending with you and it will be impossible to overspend.

Start Saving Some Money

When you do not have access to a lot of money it is very easy to end up thinking that saving is impossible. In reality, you can always save some and at the end of the month you are going to end up with something that can be put in the bank account. What is really important is to have something set up in the event something bad happens. It is always better to spend from a savings account than from a credit line. Start with as little as you can. Even $10 weekly can go a long way as time passes.

Pay Your Bills On Time

This should be a really high priority for you. When you are late your credit score goes down and you can lose control very fast. College students often find themselves in the situation in which bills are not paid because the money was there and used for something else.

  1. Keep score. Make sure you pay your bills on time, every time. While this may seem obvious, paying on time is a big factor in having a good credit score.
  2. Be a cheapskate. Many colleges offer lots of free or cheap activities on campus which will provide the opportunity to socialize without a lot of expense.
  3. Milk your student status. Lots of places will give you a discount simply for being a student. Look for places that offer savings when you show your student I.D.
  4. Extra cash. As long as you are able to manage your studies, a part-time job is a great way to earn a little extra spending money.
  5. Use the used. Look online or check with your college bookstore for used textbooks for classes, which can save you some money. Selling back your used books at the end of the semester could score you some extra cash. Check online or with your campus bookstore for buy-back details.

Funding Options To Consider When You Want To Study Abroad

Studying abroad is something that many want and in most cases the problem is lack of money to do so. The truth is that studying in another country can definitely be expensive but this does not mean there are not funding options that can be considered. Those below are recommended by Monetary Library and are accessible by most students out there.

Study Abroad Grants And Scholarships

Limiting how much money is borrowed is normally desired for most students and federal aid sometimes does not cover all that is needed. Based on where you want to go, it is possible that there are scholarships available or that grant money can be given. Various different organizations may offer them, not just the school that you would go to. However, every single program will have various eligibility requirements. The student needs to be aware of those in order to make the best possible decision.

The possible options that can be taken into account include grants based on diversity, achievement scholarships and need based financial aid. The considered international school can offer grant money but you should never limit the search there. Potential scholarships that are not widely advertised are available.

Private Student Loans

The private student loans are not seen with good eyes by most people but they are a good alternative you do want to consider. It is particularly useful when you need additional money after you did receive some funds from federal grants.

What is important in this case is to understand exactly what you agree with. There are always variable terms that appear from one loan to the next. Deferment, forbearance and repayment terms can greatly vary, just like the associated interest rate. Speaking about interest rate, it is possibly fixed or variable. Credit is taken into account so making sure credit score is good before applying is a really good idea.

Payment Plan Programs For Studying Abroad

Payment plans are often offered by student abroad programs so the student is not forced to pay for everything in just one payment. Several installments are potential, making the option one that is really valuable for many students. The payment plan can even be negotiated with some schools. Obviously, all the plans will vary so requirements and details have to be analyzed in order to make the best possible choice.

Saving Money To Study Abroad

If enough time is available before the studies would start, saving money is an option that is really good, even if the entire amount cannot be saved. The main idea to remember about this topic is that the more cash is available when you want to study abroad, the higher the possibility that the necessary loans will be lower. Many college saving account options are available so the best one should be considered based on personal needs and requirements. Saving money is the best option because there is no need to repay a loan and the student can end up reaching financial freedom much faster without loan payment restrictions.

Why Conscious Leaders Inspire Enhanced Productivity

The workplace is rapidly evolving and it’s more important than ever to ensure your employees are content. A happy employee, after all, is a more productive employee. Research has proven that when staff is actively engaged in their work, companies benefit as workers accomplish more and perform more effectively. They are also more likely to come up with innovative solutions to problems, as they feel personally invested in the organization’s success.

So, the question for employers is how do you keep your workforce engaged so they give you their best effort?

One answer is to strive to be a conscious leader, one who inspires their employees to go above and beyond average effort to exceeding expectations every time.

Before you can be a conscious leader, you need to understand the concept. A conscious leader is always thinking about how their supporters perceive them, and they work to ensure that perception remains positive. They acknowledge that they have strengths and weaknesses, and that others may have knowledge and skill sets they may not possess. They listen actively when others speak, and are open to new ideas. They treat those in their employ as people, not robots, and they understand that people at all levels are the heart of any organization.

In short, conscious leaders know and understand that the whole is more than the sum of its parts.

Not every executive is a conscious leader, but with practice, they can transform themselves into one.

Perhaps the most important step leaders can take is to understand the employee experience from the worker’s perspective. This requires a high level of objectivity on the part of organizational leaders, but it’s an essential first step. If leaders don’t understand how a workforce views their jobs or the organizational leadership, it’s impossible to improve the staff’s unique situations and subsequent performance. One has to be willing to come down from the safety of the executive suite and look at your company through the eyes of everyone working there. No role is too small to consider, as everyone plays a part in the success of a business.

A conscious leader is also increasingly self-aware. They regularly take personal inventories of their own goals and accomplishments, and allow themselves to honestly assess their own shortcomings. They’re not afraid to consult others for help or advice, and they don’t hesitate to transform their leadership styles when needed. In fact, many conscious leaders may work regularly with a professional coach.

Conscious leaders are likeable people who establish a corporate culture where their employees can thrive. They exude positivity and they encourage others to achieve and excel. They incentivize performance by offering appropriate rewards, and provide opportunities for their employees to grow and advance in their careers. They understand the value of investing in their workforce, whether it’s through specialized training or professional development.

A conscious leader is more than a capable manager, they’re an inspirational force that drives their company’s success.

How Much Money Do You Really Need To Start A Blog?

Blogging is nowadays highly recommended for people that want to start or expand an online business. The problem is that not much is actually known about all the available options. What you have to understand is that there are always options that are available for absolutely all possible budgets. Based on how much money you have available and the goals that you have with the blog you can make the best choice. Here is what you should always take into account.
Free Blogs
You can easily start a free blog these days on numerous platforms like or The obvious advantage is that everything is free. The main disadvantage is there are restrictions. At the same time, you do not get a domain name, which means that branding is going to be a little difficult.
The free blog option is the one that is recommended for personal blogs or those that do not really want to turn the blog into a business. In the event you want to turn the blog into a business you can start for free but eventually you will need to move on towards paid options.
Cheap Blogs
When you have some money available for investment you want to move towards using a free CMS system (WordPress is highly recommended), a hosting package and a domain name. A .com domain name is around $14 per year and hosting for the smaller blogs can be as cheap as some dollars per month. If you expect more traffic you want to spend a little more on hosting but you will never need to go over $20.
The idea is that you use free themes for WordPress to get the design. The only real disadvantage in this case is that you cannot customize everything regarding your site. If you have around $40-$60 to add as an initial investment, it is highly recommended to buy a premium WordPress theme, like on Blog For Web. This allows you to have a much better looking blog from the moment you launch it.
Expensive Blogs
When you can invest more the world is your playground. The blog that you build can be completely customized and even created from scratch by a good web developer. You can control absolutely everything in terms of design and you have no restriction. However, this can easily lead to prices of a few hundreds of dollars or more. It is not what most people looking to open the first blog want to do. In most situations the investment that is considered as the highest is under $100 with some extra for branding purposes.
As you can see, you can invest as much as you want in starting a blog. However, as time passes you want to be sure that you consider investing some of your profit or extra money so that the blog can grow. You will need SEO and a good social media presence. Even the content that you offer may cost some money when working with professional writers or having to hire an in-house staff.