Podcasts about mistake no

Raise your hand if you're a box checker.And by that, I mean, raise your hand if you like to do things RIGHT.If you're going to take on something new, you don't want to take any chances that you could be getting it wrong.And if you're going to focus on losing weight, you're going to follow ALL the rules and do ALL the things.Count your calories. Check.Exercise. Check.Drink lots of water. Check.Totally obsess over the number on the scale. Check.Think about food all the time. Check.I mean, that's what dieting is, right?  It's misery. It's suffering. It's equal parts discipline and deprivation.And if you can just keep checking off ALL the boxes and doing the right things, you're bound to see results.Right?!!But what if you don't?  What if you feel like you've been doing ALL THE THINGS, but the scale just won't budge?What are you doing wrong?Well, there's a really good chance that you're making one very big, and very common, mistake in your weight loss journey--one that I don't think really gets talked about.In fact, it's probably a mistake that you're not even aware you're making at all.But today, that's exactly what we're going to cover—what I think is the number one weight loss mistake that no one's talking about.

No Judgement! We all make mistakes while on the path of HA recovery BUT knowing common mistakes can help us identify the best methods to move forward. Please get ready for next week's episode on Resistance in Recovery, this is the ULTIMATE listen for women who realise they NEED to change but CAN'T bring themselves to do it. Time Stamps: (00:01:15) Mistake No. 1 (00:07:20) Mistake No. 2 (00:09:50) Mistake No. 3 (00:12:11) Mistake No. 4 (00:15:15) Mistake No. 5 Want to learn how I can help you achieve your HA recovery goals: https://calendly.com/jadecameron/strategycall?month=2023-07 DIY Mindset: https://payhip.com/b/6uc8l Instagram: https://www.instagram.com/jadee.cameron/ Facebook: https://www.facebook.com/jade.zsarik --- Send in a voice message: https://podcasters.spotify.com/pod/show/itsamindgame/message

In this episode of Investment Strategy Made Simple (ISMS), Andrew and Larry discuss chapters of Larry's book Investment Mistakes Even Smart Investors Make and How to Avoid Them. In this fourth episode, they talk about mistake number five: do you let your ego dominate the decision-making process? And mistake number six: do you allow yourself to be influenced by herd mentality?LEARNING: Don't let your ego influence your decision-making. Stay disciplined and avoid becoming irrationally exuberant. “The market is a predator preying on the mistakes of investors, their egos, and their herd behavior.”Larry Swedroe In today's episode, Andrew continues his discussion with Larry Swedroe, head of financial and economic research at Buckingham Wealth Partners. You can learn more about Larry's Worst Investment Ever story on Ep645: Beware of Idiosyncratic Risks.Larry deeply understands the world of academic research and investing, especially risk. Today Andrew and Larry discuss a chapter of Larry's book Investment Mistakes Even Smart Investors Make and How to Avoid Them. In this fourth series, they talk about mistake number five: do you let your ego dominate the decision-making process? And mistake number six: do you allow yourself to be influenced by herd mentality?Missed out on previous mistakes? Check them out:ISMS 8: Investment Mistake No.1: Are You Overconfident in Your Skills?ISMS 17: Investment Mistake No.2: Do You Project Recent Trends Indefinitely Into the Future?ISMS 20: Larry Swedroe – Investment Mistakes No.3 and 4Mistake number 5: Do you let your ego dominate the decision-making process?According to Larry, logically, we make mistakes because we are human beings. One common mistake investors make is letting their egos influence their decision-making. No matter what you ask people, they all tend to think they're better than average. Ego wants us to feel good, so we believe we're better than average. But, the problem with ego is that it would much prefer to play a game where it only wins and never loses instead of a game where it can win or lose.Assume you're a passive investor and put your ego aside because you know you're unlikely to beat the market. So you choose to invest in the S&P 500, but unfortunately, it does poorly. Since you knew it could go either way, you have no one to blame except yourself.On the other hand, if you choose an active fund and it happens to outperform, you take credit for your brilliant decision to choose that active fund manager. And if it underperforms, you blame the manager and fire them. Here, the ego would much rather play a game of I win, but I don't lose, which is what happens if you're an active investor, not a passive one where there's no one to blame. Larry believes that's part of why almost half the number of investors, despite all the overwhelming evidence, choose to invest in active...

In this episode of Investment Strategy Made Simple (ISMS), Andrew and Larry discuss a chapter of Larry's book Investment Mistakes Even Smart Investors Make and How to Avoid Them. In this third episode, they talk about mistake number three: Do you believe events are more predictable after the fact than before? And mistake number four: do you extrapolate from small samples and trust your intuition?LEARNING: Know your investment history. Don't be subjected to confirmation or recency biases. “The key to long-term success is having a deep understanding of history and not being subjected to recency bias.”Larry Swedroe In today's episode, Andrew continues his discussion with Larry Swedroe, head of financial and economic research at Buckingham Wealth Partners. You can learn more about Larry's Worst Investment Ever story on Ep645: Beware of Idiosyncratic Risks.Larry deeply understands the world of academic research and investing, especially risk. Today Andrew and Larry discuss a chapter of Larry's book Investment Mistakes Even Smart Investors Make and How to Avoid Them. In this third series, they talk about mistake number three: do you believe events are more predictable after the fact than before? And mistake number four: do you extrapolate from small samples and trust your intuition?Missed out on previous mistakes? Check them out:ISMS 8: Investment Mistake No.1: Are You Overconfident in Your Skills?ISMS 17: Investment Mistake No.2: Do You Project Recent Trends Indefinitely Into the Future?Mistake Number 3: Do you believe events are more predictable after the fact than before?People often believe that events are more predictable before the fact than after. Larry says this is a big investment problem because it leads to overconfidence. After all, investors think they know what the outcome is.To avoid making this mistake, Larry's advice is not to act immediately because if you do, you're likely acting based on irrational fears. You don't know the investment history and have a confirmation bias. The cure for this bias of believing events are inevitable is to think before the fact when the events are far from certain, let alone inevitable.Before you invest, Larry says you should keep a diary. Write down what you think will happen and compare it with the results after the fact. This analysis shows that you don't know the future any better than anyone else. Your crystal ball is just as blurry. So don't try to make forecasts based on your views because you think events are predictable.Mistake Number 4: Do you extrapolate from small samples and trust your intuition?People make investment judgments based on small samples, typically recent ones. For example, growth dramatically outperformed small-value stocks in 1997, 98, and 99 because of the Dotcom bubble.So people judging by that small sample...

In this episode of Investment Strategy Made Simple (ISMS), Andrew and Larry discuss a chapter of Larry's book Investment Mistakes Even Smart Investors Make and How to Avoid Them. In this second episode of the series, they talk about mistake number two: Do you project recent trends indefinitely into the future?LEARNING: Hyper-diversify and rebalance your portfolio. “You cannot run away from risks; you can only choose which risk you're going to take. Hyper-diversify on as many different unique risks as you can, stay the cause, and rebalance.”Larry Swedroe In today's episode, Andrew continues discussing with Larry Swedroe, head of financial and economic research at Buckingham Wealth Partners. You can learn more about Larry's Worst Investment Ever story on Ep645: Beware of Idiosyncratic Risks.Larry deeply understands the world of academic research and investing, especially risk. Today Andrew and Larry discuss a chapter of Larry's book Investment Mistakes Even Smart Investors Make and How to Avoid Them. In this second series, they talk about mistake number two: Do you project recent trends indefinitely into the future?Missed out on mistake number one? Check it out: ISMS 8: Investment Mistake No.1: Are You Overconfident in Your Skills?Recency bias explainedAccording to Larry, most investors suffer from recency bias. Recency bias is that we tend to overweight whatever has happened in the most recent past, whether it's months or years, and ignore long-term evidence. Say you're watching a stock and go back to 1995 and notice that technology stocks in ‘96, ‘97, and ‘98 performed well. So you think the same performance will prevail, and now you buy tech stocks based on that recent trend.If you buy things that have done well in the last few years, and now you think it's safe, what you've done is bought high. You didn't get those great returns but paid high prices. High prices generally mean you'll get low expected returns.Larry reminds investors that knowing your history is the best way to overcome recency bias. History tells us that all risk assets, gold, real estate, US stocks, small stocks, value stocks, high-yield bonds, etc., go through very long periods of poor performance. That means you don't want to be subject to recency bias because you think three, five, or even ten years is a long time to judge performance. It's not; otherwise, there would be no risk for an investor with a 10-year horizon. So you just have to wait it out.An excellent example of that problem is when the S&P underperformed T bills for at least 13 years for three periods, from 1929 to 1943, from 1966 to 1982, and then again from 2000 to 2012. Of course, the stocks did great in the other half of that period, but you don't get those returns if you're subject to recency bias.The never-ending game of buying high and selling lowThe message that Larry tries to give investors is that there are no clear crystal balls. So don't be subject to recency bias because you'll forever chase and buy high and sell low. This is not a prescription for success. You cannot run away from risks; you can only choose which risk you'll take. And if you don't have a clear crystal ball, there's only one logical answer; you should hyper-diversify on as...

Let's talk about the three mistakes that most agents make at listing appointments: Mistake No. 1: They don't listen enough. When you're at a listing appointment, you want to listen to what the seller is concerned about, what their problems are, and try to figure out how to solve those. People reach out to listing agents because they have a problem, and they want you to solve it (just like Vanilla Ice). Mistake No. 2: They give answers instead of asking questions. Clients want to hear themselves talk, and the more they do, the more they feel like you care. Usually, they will give you all the answers you need on their own. Mistake No. 3: Not bringing a contract. I know it's old school, and it's easy to get caught up in e-signing and virtual contracts. If you're taking the time to set an appointment, go to their house, and sit there for two hours, you might as well try to close the deal. Time is the killer of all deals. The more time they have to think it over, the more likely they are to go with another agent. If you get them to sign at the appointment, they've committed. I can't tell you how many deals I've won this way. An easy method to close is to ask them if they've heard enough to make a decision. If they have and you've offered a service unique to your style, you will get a listing. Make sure you share this with a friend because they need this in their lives today. If you have any questions about these three mistakes or the industry in general, feel free to call or email me. I'd love to help.

In this episode of Investment Strategy Made Simple (ISMS), Andrew and Larry discuss a chapter of Larry's book Investment Mistakes Even Smart Investors Make and How to Avoid Them. In this first series of many, they talk about mistake number one: Are you overconfident in your skills?LEARNING: Don't be overconfident. Look for value-added information when researching an investment. “When you trade, understand that you're competing against the market's collective wisdom.”Larry Swedroe In today's episode, Andrew chats with Larry Swedroe, head of financial and economic research at Buckingham Wealth Partners. You can learn more about Larry's Worst Investment Ever story on Ep645: Beware of Idiosyncratic Risks.Larry deeply understands the world of academic research and investing, especially risk. Today Andrew and Larry discuss a chapter of Larry's book Investment Mistakes Even Smart Investors Make and How to Avoid Them. In this first series of many, they talk about mistake number one: Are you overconfident in your skills?The majority of people are naturally overconfidentThere's a lot of research showing that human beings tend to be overconfident in their skills. If you ask people, are you liked by others more than the average person? Are you a better lover than the average person? Can you drive better than the average person? It doesn't matter what the question is; the answer from a vast majority is that they think they're better than the average person. According to Larry, this is actually a good healthy thing. Imagine getting up daily, looking in the mirror, seeing yourself, and thinking you're dumb, ugly, stupid, and nobody likes you. You'd live a sad life. So it's good to feel better about yourself as long as you don't make mistakes.Overconfidence isn't such a good trait when it comes to investingLarry says that the market is made up of all types of investors. If some investors are going to outperform, then some investors must underperform. The market must have victims to exploit. Most investors tend to be overconfident and think they're a lot smarter than the average person, so they will be able to control them. But according to evidence, that's dead wrong because people are not competing one-on-one.Female investors get better returns than men due to underconfidenceWomen are not better at stock picking than men. The stocks they buy perform just as poorly as those that men buy. And the stocks they sell go on to outperform in equal measure. However, men have overconfidence in skills they don't have, while women simply know better. They don't overestimate their skills as much as men do, so they trade less and have fewer turnover costs, resulting in better returns. Interestingly, married women do worse than single women because they get influenced by their husbands, while married men do better than single men because they have the influence of the sage counsel of their spouses.Does hard work, training, and knowledge play any role in outperformance?Generally, the more knowledge you have, the wiser you become. But the game of investing is very different than, say, the game of tennis, where you're playing one-on-one. During a one-on-one match, whether tennis, chess, or any other similar game, minor differences in skill lead to considerable differences in outcome. As the competition gets more challenging, it becomes harder to win. And luck becomes more...

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Desperate Dems prepare for failure, Paper no longer printing, Halloween Makeup Mistake, No dignity anymore... Cheating in CornholeSee omnystudio.com/listener for privacy information.

Desperate Dems prepare for failure, Paper no longer printing, Halloween Makeup Mistake, No dignity anymore... Cheating in CornholeSee omnystudio.com/listener for privacy information.

Desperate Dems prepare for failure, Paper no longer printing, Halloween Makeup Mistake, No dignity anymore... Cheating in CornholeSee omnystudio.com/listener for privacy information.

Desperate Dems prepare for failure, Paper no longer printing, Halloween Makeup Mistake, No dignity anymore... Cheating in CornholeSee omnystudio.com/listener for privacy information.

Many experts, entrepreneurs, coaches, and consultants come to me because they're stuck. They can't figure out how to break through their revenue ceiling no matter how much journaling they do. No matter how many affirmations they say, how many courses they take or masterminds they join, new programs they offer, or strategies they employ — they've been hovering around the same income for two, three, or even five years.   I found that what they have in common is making this Million Dollar Mistake No. 3. This is a sneaky thought process for most people in our society, a belief that keeps many stuck at an income plateau and life in general. Key points discussed in this episode:  ✔️ One statistic that blows my mind is how 2% of small business owners, especially those run by women, only make it to $1,000,000 in their business. That means 98% of the women-founded companies all around America never crossed the million-dollar mark. My goal is to help to turn that stat on its head and pave the way for more women to succeed using their business and entrepreneurship as their vehicle.   ✔️ Do the lifetime cash creation exercise. Calculate and find every penny you've made over your adult life. Write down all the money you've made. Take in that number and think about all the cash that passed through your hands. Whether it's $46K, $460K, or $46M over your lifetime, know that you have the capacity to build wealth. You have in your cellular memory the ability to create so much money in revenue. ✔️ Most people resist the idea of making money rapidly. The lie is that you shouldn't want to make money too fast because that's considered a get-rich-quick scheme. "Things that come too fast don't last." Now, I'm not saying that you should just do everything possible to make money as fast as possible, no matter who gets hurt. What I am saying is we've all been programmed to believe that there's something wrong with making money. Stop counting how much you make and measure how fast your company generates revenue. Remember, money loves speed.   ✔️ How about the scheme of staying broke forever? Many systems out there are meant to keep you exactly where you are. That is the trap most people fall into. When talking to people about creating revenue in their business, many entrepreneurs and experts who come to me believe: I don't make enough money. There aren't enough clients. Where am I going to find the people? I invite you to stop looking the hard way and rethink how you look at money.  ✔️ Game on! Live will prepare you to explode your bank account. It will also transform your life and help you achieve the impossible. It's going to lay the foundation for that. So if you are committed to shattering your biggest limiting beliefs, even if you're not consciously aware of it. Sister, you are the curse breaker and the creator of possibilities. ✨ Step up and show up. Go to gameonliveevent.com. ———————————————————————————————— Loved this episode? Know that it's your time. Listen, love, when you stop playing small and show up fully, your business and income will naturally grow as you do too.  Discover how to achieve the next Level of Authority and remove any blocks sabotaging your sales. http://shamecatankerson.com/

Welcome back to our Million Dollar Business Mistake series!  I decided to create this series to give a deeper amount of transparency to those who follow me. Much truth must be revealed in the journey to get to that million-dollar mark. Right now, if you're watching everywhere, it looks like everybody is killing it in life and business. People post stories of the most incredible parts of their lives (which can be great), but it can give you the feeling that everybody's moving faster and winning except for you.  In this episode, I'm opening up about what I did and continue to do inside my business that changed the game after a long time of being stuck. Many entrepreneurs came off the gate in their first year, making six-figures, and reached $2 million within a few years. That was not my story. I was building this business for 12 years before I crossed $1,000,000 for the first time. I'm sharing strategies and principles I had to adopt that allowed me to become a multi-million dollar business owner who will help you become one, too, should you desire it.  Key points discussed in this episode:  ✔️ Million Dollar Business Mistake No. 2: Setting your revenue goals too low. I had this Aha! moment when I was actually doing this to myself and putting a glass ceiling of my own devising on my income and leadership growth. We are taught that things that come too fast will be gone fast. That's not necessarily true if you have the right foundation behind you.  ✔️ When money is introduced in the conversation, we downplay what we truly desire. When asked: "How much money do you want in your life?" People typically will answer, "Well, just enough to let me and my family live a comfortable life." If you believe in "just enough" instead of "as much as" when it comes to money, that keeps entrepreneurs never earning more than they want or deserve. ✔️ The cold statistics tell us that most entrepreneurs are bound to fail.  Only 6% of small and privately held companies ever cross six figures in business. That means 94% of the businesses that started operate below the $100,000 threshold. My philosophy is that six figures should be the benchmark. It's the minimum wage for a business owner.   ✔️ My desire is to turn 1 MILLION people into MILLIONAIRES! I am helping business owners cross the heavy-duty thresholds of the lack of belief, courage, and strategy. The first way to do that is by telling the truth and owning up that wealth and legacy are what we desire. You can move beyond your doubt and decide to rise, millionaire!

Hello NFA MONEY MAMA ROCKSTARS! Today's episode is all about the mistakes I see women entrepreneurs make on their business scaling journey. These "mistakes" will cause resistance inside of yourself and slow down your manifestation time. So… Stay tuned to learn the 3 Deadly Mistakes That Are Killing Your Profits as a Woman Entrepreneur, plus the overarching money block belief, symptoms of each, mindset reframes, and practical action steps you can take to reduce resistance so you can scale your business more easily. Highlights from this 005 Episode of THE WOMAN ENTREPRENEUR PODCAST:00:00 Introduction00:45 Are You a Woman Entrepreneur Rockstar?03:40 Hang Out With Me On:➡️ https://www.TheWomanEntrepreneurPodcast.com ⬅️➡️ https://www.nfamoney.com ⬅️06:57 Dr. Amanda's Entreprenurial Journey9:45

Let's talk about the three mistakes that most agents make at listing appointments: Mistake No. 1: They don't listen enough. When you're at a listing appointment, you want to listen to what the seller is concerned about, what their problems are, and try to figure out how to solve those. People reach out to listing agents because they have a problem, and they want you to solve it (just like Vanilla Ice). Mistake No. 2: They give answers instead of asking questions. Clients want to hear themselves talk, and the more they do, the more they feel like you care. Usually, they will give you all the answers you need on their own. Mistake No. 3: Not bringing a contract. I know it's old school, and it's easy to get caught up in e-signing and virtual contracts. If you're taking the time to set an appointment, go to their house, and sit there for two hours, you might as well try to close the deal. Time is the killer of all deals. The more time they have to think it over, the more likely they are to go with another agent. If you get them to sign at the appointment, they've committed. I can't tell you how many deals I've won this way. An easy method to close is to ask them if they've heard enough to make a decision. If they have and you've offered a service unique to your style, you will get a listing. Make sure you share this with a friend because they need this in their lives today. If you have any questions about these three mistakes or the industry in general, feel free to call or email me. I'd love to help.

Three refinancing mistakes that you should try your best to avoid. Today I want to talk about the three biggest mistakes to avoid when you refinance. Everybody is talking about rates right now; they're all over the place. That's why I wanted to talk about what you should avoid if you plan on refinancing: Mistake No. 1: Not optimizing your credit score. Most refinances are credit-driven, so optimize your credit any way you can. If you have a little bit of cash, pay down some of your cards to increase your FICO score and get a better rate. It's really easy to do. “The money is yours, but you'll be paying the debt for a long time.” Mistake No. 2: Using equity for the wrong reasons. I see people do this all the time. They come to me and ask to refinance so they can go to Hawaii and buy a Mercedes. The money is yours to do with what you want, but be aware that you will be paying that debt for a long time to come. I advise you to use that equity to pay off high-interest debt, like credit cards. Whatever you do with your equity, be careful and smart. Mistake No. 3: Refinancing too often. Most of the time, this isn't the borrower's fault. It happens because they don't have someone advising them correctly. Don't plan on refinancing again two years later because you don't know what interest rates will be like then. Remember that every time you refinance, you have to pay fees. If you refinance too often, you're just adding to the cost. Really, everything you can do with a refinance can be done at the same time—you can switch from FHA to conventional and get equity out with a single refinance. Make sure you think about why you want to refinance before you do. If you want help or advice, I'd be happy to strategize with you. Just give me a call at 619-948-2996 or email me. I look forward to talking with you soon.

Here are three common mistakes to avoid when selling your home. Selling a home is a major milestone in life, and the consequences of making a mistake can impact your finances and peace of mind for years to come. To help you avoid this stress, today I'll discuss the three most common mistakes to avoid when you're selling your home: Mistake No. 1: Failing to understand the costs of selling. The total cost of selling a home can amount to even more than the 6% in agent commissions that most people pay. When you account for closing costs, repairs, and other concessions to the buyer, the cost of selling could be closer to 10% of the sales price. “The cleaner, less cluttered, and better decorated your home is, the more appealing it will be and the more buyers will be prepared to pay for it.” Mistake No. 2: Setting an unrealistic price. The price you want to get and the price the market is willing to pay can be two very different numbers. As a seller, if you can't hit the sweet spot between the two, you risk leaving money on the table or having your home sit on the market for a long time, which can reduce how much you ultimately net. Your agent can help you find that sweet spot. Mistake No. 3: Not preparing your home for sale. One challenge of listing your home on the market is showing it to prospective buyers. Generally speaking, the cleaner, less cluttered, and better decorated your home is, the more appealing it will be, and the more buyers will be prepared to pay for it. If you have questions about today's topic or anything else, please call or email me. I'd love to help!

Don't overthink it, pop the question. If you don't like Prospecting, it's probably because you think you're not good at selling and you're probably afraid of getting rejected or even messing up. I used to be the same! Mistakes teach you the best lessons though... so after 20+ years in the Network Marketing Business, I've learn a lot! And I'm sharing my best tips you in this episode! "Selling is hard when you're not passionate about what you're selling." 00:00 - Episode Intro 01:18 - Mistake No. 1 - Not understanding that it's okay to suck at… 03:14 - Mistake No. 2 - Too much time in the friend zone means… 04:32 - Mistake No. 3 - Overthinking is… 08:42 - Mistake No. 4 - Not connecting with people before… 09:44 - Mistake No. 5 - Not using this feature! 10:30 - Mistake No. 6 - Coming off as… 12:02 - Mistake No. 7 - Not using tools and not… 14:35 - Mistake No. 8 - Not utilizing this very powerful tool! 15:13 - Mistake No. 9 - Not offering… 16:33 - Mistake No. 10 - Begging people to… 19:33 - Episode Outro More juicy resources:https://mylifestyleacademy.com/blog/ https://mylifestyleacademy.com/download/

10min Expat Thailand EP228: Expat MISTAKE? No OPPORTUNITIES for you in that country! Thailand has Tons! Expats fail to analyze that country for future business opportunities in case they get BORED! Very few are aware of this problem..."what are you going to do when you get BORED?" - Are there any OPPORTUNITIES for you in that country? Thailand has TONS! - What are some of the opportunities for an Expat in Thailand? - Thailand has a wealth of opportunities for all age groups. - Thailand is an Entrepreneurs' dream! - Thailand has a huge (and growing) TECH and Crypto market! Don't make the mistake of buying a home in a foreign country that's too small for future growth and business opportunities! YOU WILL EVENTUALLY GET BORED - THAILAND WILL FULFILL ALL YOUR NEEDS! Please contact us to schedule a real estate/relocation consultation! (We accept CryptoCurrency) Please Subscribe to our Podcast & YouTube Channels - over 200+ Episodes! Spotify - Anchor - Soundcloud Podcast Channels: @WillRoadhouse iTunes - Amazon Music Podcast Channels: @WillRoadhouse See you in Thailand! Will & Aoy Roadhouse Will@1Compass.net Roadhouse International (Commercial & Luxury Real Estate) Specializing in off-market Hotel Listings & Luxury Homes! International Real Estate Consultant & Asset Management Compass Group International (est. 2002) All Social Media Apps (search): Will Roadhouse Facebook Page: @WillRoadhouse Spotify - Anchor - Soundcloud Podcast Channels: @WillRoadhouse iTunes - Amazon Music Podcast Channels: @WillRoadhouse YouTube: @WillRoadhouse Instagram: @WillRoadhouse Twitter: @WillRoadhouse --- Support this podcast: https://anchor.fm/willroadhouse/support

With yesterday's theme of "not panicking" still in mind, there were some bad mistakes made yesterday. Leaving Gant in to bunt and letting him pitch the next inning proved to be the incorrect choice. Even so, Gant didn't execute on the mound so the blame can't all go on Mike Shildt. This offense is simply not hitting right now, with Yadier Molina being the hottest hitter at the moment. Winning this series seems like a tall task with Stephen Strasburg on the mound for the Nationals. Can the Cardinals get it done?Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKED15 for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

With yesterday's theme of "not panicking" still in mind, there were some bad mistakes made yesterday. Leaving Gant in to bunt and letting him pitch the next inning proved to be the incorrect choice. Even so, Gant didn't execute on the mound so the blame can't all go on Mike Shildt. This offense is simply not hitting right now, with Yadier Molina being the hottest hitter at the moment. Winning this series seems like a tall task with Stephen Strasburg on the mound for the Nationals. Can the Cardinals get it done? Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you’ll get 15% off your next order. BetOnline AG There is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKED15 for your 50% welcome bonus. Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this week’s show Patrick Gray and Adam Boileau discuss the week’s security news, including: Ubiquiti insider blows whistle on breach Cyber insurer ransomwared Project Zero burned a Western counterterrorism operation Australian parliament, media, politicians all under attack Executive Order would require vendors to notify US government of incidents Much, much more… This week’s sponsor guest is a special one. Metasploit creator and Rumble.run founder HD Moore will join us to talk all about his new venture, the Rumble asset discovery tool. It’s an absolutely fantastic interview, as you’d expect from HD. Links to everything that we discussed are below and you can follow Patrick or Adam on Twitter if that’s your thing. Show notes Whistleblower: Ubiquiti Breach “Catastrophic” — Krebs on Security SHAREHOLDER ALERT: Ubiquiti, Inc. Investigated for Possible Securities Laws Violations by Block & Leviton LLP; Investors Should Contact the Firm Ubiquiti tells customers to change passwords after security breach | ZDNet Top insurer CNA disconnects systems after cyberattack London's biggest school trust hit by ransomware | The Record by Recorded Future Industrial giant Honeywell says it has ‘returned to service’ after cyber intrusion Nine says it has isolated source of cyber attack Cyber attack on Channel Nine: Government assistance requested by network Nine Entertainment warns ransomware recovery 'will take time' - Security - iTnews AFP, NSW Police investigating cyber attack on Nine 'State actor' behind Nine Network cyber attack, , tech expert says Australia investigates reported hacks aimed at parliament, media Australian Minister’s Phone Hacked as Report Reveals Hong Kong Link Australian ministers are targets in Telegram phishing scam, Australia/NZ News & Top Stories - The Straits Times Hackers target German lawmakers in an election year Exclusive: Software vendors would have to disclose breaches to U.S. government users under new order: draft | Reuters Facebook disrupts Beijing's Uyghur hacking campaign | The Record by Recorded Future Google's unusual move to shut down an active counterterrorism operation being conducted by a Western democracy | MIT Technology Review Apple releases iPhone, iPad and Watch security patches for zero-day bug under active attack | TechCrunch US lacks visibility into digital espionage at home, NSA boss says The Dark Web Is Teeming With Vaccine Listings Right Now | WIRED Credit Card Hacking Forum Gets Hacked, Exposing 300,000 Hackers’ Accounts T-Mobile, Verizon, AT&T Stop SMS Hijacks After Motherboard Investigation New 5G protocol vulnerabilities allow location tracking | The Record by Recorded Future PHP's Git server hacked to add backdoors to PHP source code SSRF vulnerability in NPM package Netmask impacts up to 279k projects | The Daily Swig H2C smuggling proves effective against Azure, Cloudflare Access, and more | The Daily Swig Security researcher launches GoFundMe campaign to fight legal threat over vulnerability disclosure | The Daily Swig Cloudflare launches JavaScript dependency dashboard utility to warn against Magecart-style malfeasance | The Daily Swig Microsoft Teams is the first target for new app-focused bug bounty program | The Daily Swig Slack Says Letting Anyone Message Anyone With Few Limits Was ‘a Mistake’ No, I Did Not Hack Your MS Exchange Server — Krebs on Security

(Curt - Painter)   In this episode, I had the honour to have Curt as my guest. He shared with me his interest in painting as his hobby.   Deep down inside there’s a Bob Ross in all of us, you just need a little spark of inspiration and maybe a happy tree. Curt pulls a lot of inspiration from Bob Ross’s work but likes to add his personal touch to it to make it more of his own taste and that pretty much the whole concept of being a passionate artist. If you want to get started with painting but don’t know where to start, you can do what Curt did and buy a Bob Ross kit on Amazon, because the first step is always giving it a try.   Curt’s links: Podcast: The Podcasters’ Tavern Twitter: @PodcastrsTavrn Facebook:The Podcasters' Tavern instagram: @hydensiek     Time For Your Hobby links: Website: Time For Your Hobby website (click to find Apple, Spotify, Google and more) Merch: TFYHpodcast  Instagram: @timeforyourhobby Twitter: @tfyhpodcast Podchaser: Time For Your Hobby  Patreon: Timeforyourhobby  Email: timeforyourhobby@gmail.com     If you like this episode and think it can be helpful to someone you are more than welcome to share it and leave a review. If you want to be on my podcast or have any questions at all, by all means, contact me through any of the platforms above. So until the next episode... make some time for your hobby.   Shout out to my Patrons: Chess Talk (https://chesstalk.podbean.com/) Mélissa   Take care,

Turning 40 is a milestone women used to fear because it meant they'd turned the corner to being "over the hill."These days, women in their 40s (and beyond) are living fast-paced, fulfilling lives. However, there are common mistakes -- some of them fatal -- that women in this age group are making.Christine Horner, MD, joins hosts Andrea and Lisa to discuss four of these fatal mistakes and solutions to each.Mistake No. 1: Neglecting Heart HealthMistake No. 2: Mismanagement of MenopauseMistake No. 3: Weight Gain AcceptanceMistake No. 4: Not Loving Yourself

Dave has already covered topics like the 8 messaging musts during COVID-19, why it's important to adapt, innovate, and communicate during these times, and in this episode, he covers the #1 COVID-19 communication mistake companies are making and should avoid.This podcast is only a minute long, but it's a minute full of value that you can leverage immediately to improve your communication efforts during this ongoing pandemic and beyond.Enjoy this week's episode of the No BS Marketing Show and if you like the No BS Marketing Minute, let us know by sending an email to info@massolutions.biz.Connect with Dave on LinkedIn | Subscribe to the podcast on iTunes.

Silver Birch - The Flower & The Young Man Knocker Jungle - I Don't Know Why The Grease Band – Mistake No Doubt A. Paul Ortega – The Sunset Grupa Dag - Voz Bert Jansch – Daybreak Michael Cohen - When I Grow Cold

For the first time in this podcast's history, we’re having a guest come on the show a second time! For the long-time listener, you may remember today’s guest’s story of loss in episode 41 Diversification: The Best Insurance Against any Investment Burst. Joachim Klement experienced his worst investment in the early 2000s during the Dotcom bubble after investing in a tech fund. Sharing his story on our podcast inspired him to write the book 7 Mistakes Every Investor Makes (And How to Avoid Them): A Manifesto for Smarter Investing. It’s a huge pleasure to have him back on the show. In this episode, he will walk through the 7 mistakes he talks about in his book. Guest profile Joachim Klement is a research analyst and former Chief Investment Officer with 20 years’ experience in financial markets. He spent most of his career working with wealthy individuals and family offices, advising them on investments and helping them manage their portfolios. Joachim studied mathematics and physics at the Swiss Federal Institute of Technology (ETH) in Zurich, Switzerland, and graduated with a master’s degree in mathematics. During his time at ETH, Joachim experienced the technology bubble of the late 1990s firsthand. Through this work, he became interested in finance and investments and studied business administration at the Universities of Zurich and Hagen, Germany, graduating with a master’s degree in economics and finance and switching into the financial services industry in time for the run-up to the financial crisis. 7 Mistakes Every Investor Makes (And How to Avoid Them): A Manifesto for Smarter Investing Seven Mistakes Every Investor Makes (And How to Avoid Them) calls upon years of experience and scientific research to deliver expert insight into the most common mistakes plaguing investors. From there, Klement outlines his personal tools and techniques, developed, refined, and successfully implemented over many years in the finance industry, to help avoid and mitigate such mistakes. His ultimate aim: to help you help yourself. The mistakes covered include forecasting, short- and long-term orientation, repeating past errors, confirmation bias, not delegating to experts, and blind trust of traditional assumptions. Seven Mistakes Every Investor Makes (And How to Avoid Them) is a must-have guide for every investor. Packed with scientific research and personal wisdom, this book draws together the most common investing mistakes to practically revealing how to overcome and eliminate them. Don’t make another avoidable mistake by missing out on this book.   “I think artificial intelligence and other new tools built on big data analysis will help us get better, but they're not gonna make us redundant. And they're not going to end finance.” Joachim Klement   Mistake No. 1: Forecasting Forecasting is an exercise in futility. One technique to improve your forecasting is just to assume that the dollar will be in one year where it is today. There is lots of empirical evidence out there that this “forecast” is better than the consensus forecast and better than about 95% of all analysts in this world. The same thing is true of interest rates and stock markets. Joachim presents a few techniques on how to get better when it comes to your investment forecasts, which eventually you have to make because investing is not about the past but the future. Mistake No. 2: Short-termism People are too short-term oriented in their investment decisions. They chase performance. They go in and out of stocks constantly. This results in a lot of transaction costs, even in the world of discount brokerages. The transaction costs accumulate and the performance gets worse. Just the very fact that you go from A to B and back to A and then to C and then to D and then to another stock cost you a lot of money and diminishes your performance. Mistake No. 3: Being too long-term It is a mistake just to let strategies run uncontrolled; you need to have some risk management and control mechanisms in place. There comes the point when you have to take that risk off the table. Not because it's a bad strategy, but because you want to survive. Mistake No. 4: Repeating past errors Recollect the past, analyze, and learn from it. Too many retail and professional investors, even fund managers, CIOs of big institutions, keep making the same mistakes over and over again. Use a very simple technique of an investment diary where you write down your past decisions, why you made them and then check the outcome regularly and then start reflecting. I didn't make that mistake. If it wasn't a mistake. Why was I right? Was I right for the right reasons? Or was I just lucky meaning right for the wrong reasons? Learn from your mistakes. Mistake No. 5: Ignoring the other side When it comes to long-term thematic investing, many people focus on demand but forget about the supply side. Unfortunately, prices are as a result of the balance between supply and demand. Demand rises slowly but supply can adapt and adjust to it very quickly. So by the time demand change comes around, supply has already adjusted and you make no money. Mistake No. 6: Not being active enough None of us is an expert in everything. It’s important sometimes to delegate your money and investment decisions to fund managers. You do this with the hope that these specialists will be able to give you good value for money. The mistake a lot of people make is to hand their investments to fund managers who aren’t active enough to have a decent chance of outperforming after their fees. Mistake No. 7: Blind trust in traditional assumptions We all think the financial market or any market is heading towards an equilibrium of supply and demand. The only way prices change is when some new piece of information comes along and shifts either demand or supply or both, and then you get a new equilibrium. Similarly, if you look at valuations of stock markets, we think that if market valuations are too high, they are supposed to come down to some long-term average. This couldn’t be further from the truth. That equilibrium does not exist because financial markets are constantly changing. Parting words   “Don't despair. We all make mistakes, even the best of us do. Learn from them and improve your investment every day, every year. Over time, you will get better, and things will get better. You will make new mistakes.” Joachim Klement   Andrew’s books How to Start Building Your Wealth Investing in the Stock Market My Worst Investment Ever 9 Valuation Mistakes and How to Avoid Them Transform Your Business with Dr.Deming’s 14 Points Andrew’s online programs Valuation Master Class Women Building Wealth The Build Your Wealth Membership Group Become a Great Presenter and Increase Your Influence Transform Your Business with Dr. Deming’s 14 Points Connect with Joachim Klement Twitter LinkedIn Blog Connect with Andrew Stotz: astotz.com Linkedin Facebook Instagram Twitter Youtube My Worst Investment Ever Podcast Further reading mentioned Joachim Klement (2020) 7 Mistakes Every Investor Makes (And How to Avoid Them)  

Todd Tresidder is the author of seven personal finance books with an eighth coming out shortly. He created a course on strategic wealth planning and is the founder of FinancialMentor.com, a popular personal finance site. He is a self-made millionaire and was financially independent at age 35, which was more than two decades ago. Since then he’s been coaching clients on how to do the same giving him an unusual depth of experience. Todd has maintained his wealth by remaining an active investor and utilizing statistical and mathematical risk-management systems for investing. Through FinancialMentor.com he teaches advanced investing and advanced retirement planning principles. Take the next step beyond conventional financial advice and discover what works, what doesn’t, and why, based on years of proven experience.   “So he had all kinds of great stories about how this company was going to the moon and he didn’t understand the setback but this company was going to fly and I was a stupid kid and I bought it hook line and sinker and I put even more money into it. So I made this stupid mistake of averaging down on a loss you know chasing good money after bad and eventually went to zero, and I lost everything.” Todd Tresidder     Support our sponsor   Today’s episode is sponsored by the Women Building Wealth membership group, the complete proven step-by-step course to guide women from novice to competent investor. To learn more, visit: WomenBuildingWealth.net.       Worst investment ever Graduate joins HP, friend in credit department offers hot stock tip Todd made his first and worst investment when he fresh out of college. Holding a fine résumé for a new graduate, he had been the business manager for campus businesses. It was the mid-1990s and he had read the book In Search of Excellence, by Tom Peters. He went straight from college to work for HP, one of the top companies employers at the time, and had a friend in the credit department. One day during a lunch-time chat, his friend told him about a new company they were working with that was buying HP mainframes, and they were listed in the pink sheets on the Nasdaq. Todd’s friend had put his money in the company’s stock after doing financial analysis on the company and all this. ‘Inside scoop’ meant he put in all funds he had saved for his MBA course So Todd felt this was a “cool insider scoop” on this “amazing emerging company”. The company had an algorithm that was dominating how mail was going to be sent. Todd said “it sounds so absurd now, but it sounded cool at the time”. He had been busily saving for tuition fees to study for an MBA after paying his own way through school, and was still trying to pay off his college costs. He was also saving some money but chose instead to stick his savings into the pink sheet stock. Initially, it went up. But he neither knew anything about how new stock issues work or about how this business worked. So he also had no idea that it was standard protocol for new issues to promote them in an over-the-top way to get people excited about the stock, that it was “going to the moon”, in order to create demand. Todd was in early enough to see an initial rise in the stock, and he kept pumping more money into it. The more he had, the more he would invest, thinking this investment was going to pay for his further study. Stock price turned and broker talked him out of selling He then watched his investment fall to zero Then suddenly it turned and started going down. Magically, the stockbroker called Todd (as though he could read Todd’s mind) and “had all kinds of great stories about how this company was going to the moon. And that he didn’t understand this setback, but this company was going to fly and I was a stupid kid”. Todd bought the broker’s story and put more money in. He made “this stupid mistake” of averaging down on a loss, chasing good money after bad and eventually it went to zero, leaving him with nothing of his original investment. That was Todd’s first and worst investment ever. So for his very first investment I lost everything. But it did set him on a course to learn everything about how to stop it happening again.   “It was only in hindsight, as I started to learn (about finance and investing), that I realized the depth and the level of all the different mistakes I was making.” Todd Tresidder     Lessons learned Don’t buy on hot stock tips Don’t risk money you can’t afford to lose Don’t buy a story If you think about it, you are actually buying a business, so if you are going to buy based on any sort of fundamentals, it better be business fundamentals. You must must must have a risk management plan in place This must include an exit strategy Don’t play a game that you don’t fully understand. Todd was in the new-issue market, which is a very specialized game. There are rules by which that game is played by and he admits violating them all “with pure stupidity”, because he did not know the game. Don’t confuse brains with a bull market Which is he says is what many people are doing right now. Don’t ever buy based on news Don’t send good money after bad by averaging down Don’t let a win turn into a loss       Andrew’s takeaways Collated from the My Worst Investment Ever series, the six main categories of mistakes made by Andrew’s interviewees, starting from the most common, are: Failed to do their own research Failed to properly assess and manage risk Were driven by emotion or flawed thinking Misplaced trust Failed to monitor their investment Invested in a start-up company Andrew says Todd’s case features Mistake No.2 “Failed to properly assess and manage risk” When we get excited about the returns and the opportunity, we often ignore the risks Part of managing risk it to assess the risk of that particular company but the other part of it is managing all the other risks, and that is about the position, size, how much money you put into it, and things like that. Have some kind of exit strategy for every single investment you have The hardest thing for an analyst and for any investor is the decision of what to do when the stock goes down. When we talk about emotion in investing, the emotion involved when our stock is starting to fail is intense. Nobel Prize research highlights that the pain of loss is two-and-a-half times the excitement you feel when you’re winning. When that emotion is involved, that really is the time to have a risk management system in place. It could be a stop loss, or something else. You must learn the game before you play That’s a critical lesson.   “(Risk management) It’s the first consideration in investing. I always think in terms of what can I lose and only secondarily do I consider what can I win? My focus is entirely on controlling losses.” Todd Tresidder   Actionable advice Focus on risk management, first and foremost. The reason for that is you can make all the other mistakes, but if you have a risk management strategy, you can still win in the long term.   “If you don’t have risk management any one mistake can bury you.” Todd Tresidder     No. 1 goal for next the 12 months Todd is finishing off his wealth planning course at FinancialMentor.com and he has one final module to create to complete that project. Then is will be time to build all the sales funnels and all the systems to support the site.   Parting words “It’s really not painful to talk about your losers.” Todd said, no one is born a smart investor. As a matter of fact, we are hardwired in our DNA that opposes what we should be doing as a smart investor. That’s one of the reasons he uses quantitative disciplines to overcome the natural human emotions. Recalling mistakes and how they are made is just part of learning how to invest.       You can also check out Andrew’s books How to Start Building Your Wealth Investing in the Stock Market My Worst Investment Ever 9 Valuation Mistakes and How to Avoid Them Transform Your Business with Dr. Deming’s 14 Points Learn with Andrew Valuation Master Class - Take this course to advance your career and become a better investor Connect with Todd Tresidder LinkedIn Twitter Website Full bio Course Books Connect with Andrew Stotz astotz.com LinkedIn Facebook Instagram Twitter YouTube My Worst Investment Ever Podcast Further reading mentioned Thomas (Tom) Peters and Robert Waterman (1982) In Search of Excellence: Lessons from America’s Best-Run Companies  

William Manzanares IV was born and raised in the Tacoma area of Washington State and is an active member of the Puyallup Tribe. He is a serial entrepreneur, having owned and operated successful smoke shops, convenience stores, and restaurants since 2005. William is passionate about helping small business owners as well as struggling readers. To that end he has written I Can’t Read: A Guide to Success Through Failure, telling the story about being unable to read as a youth and struggling with dyslexia, William hopes his new book will equip kids to improve their literacy and inspire them to pursue their dreams. He spends much of his time speaking with students about career planning and goal setting.   “I was excited. He offered high returns … and an equity stake in everything in the business. He talked a big game of how he was publicized everywhere and I said … ‘Okay, let’s do this’ … He did say after signing … checks that were written out in the contract, I’ll just pay you big chunk payments. So I got like a $5,000 payment, then a $10,000 payment … that took about six months to get those and then when a final payment bounced and I think he tried to write me another $15,000 check, it just didn’t go through. This was like six or seven months after I gave him the money and I went: ‘Oh, what did I do? (What have I done?)” William Manzanares   Support our sponsor   Today’s episode is sponsored by the Women Building Wealth membership group, the complete proven step-by-step course to guide women from novice to competent investor. To learn more, visit: WomenBuildingWealth.net.     Worst investment ever Meets publisher selling Super Bowl tickets Will met the publisher of a local weekly newspaper who was also the PR representative for his native American tribe in Tacoma because he said he could get all kinds of tickets and Will wanted to take his daughter to see the Seattle Seahawks American football team play in the Super Bowl for the second time in its history. The guy was always around talking about his connections and that he always knew someone who could get show tickets to anything. Will let his guard down. Will invests US$60,000 in regional newspaper The man then started talking to Will about signing up other cities for his newspaper business, that he had just signed up another city and that he needed some investment money to sign up more cities in the Pacific Northwest region. The amount required was US$60,000 so will loaned it to him and got a lawyer to draw up a contract for the deal. Will was excited as the publisher was offering an equity stake in the business, high returns and “he talked a big game of how he was publicized everywhere and I said … ‘Okay, let’s do this’ … He did say after signing … checks that were written out in the contract, I’ll just pay you big chunk payments. So I got like a $5,000 payment, then a $10,000 payment … that took about six months to get those and then when a final payment bounced and I think he tried to write me another $15,000 check, it just didn’t go through. This was like six or seven months after I gave him the money and I went: ‘Oh, what did I do? (What have I done?).” Sees state of the accounts, realizes his money is gone Will called the publisher, inherently wanting to be a nice guy, and the principal made excuses, said he was sick, blamed everyone else but himself, but in the end let polite and persistent Will into the company’s offices to consult and maybe try to save the company. Will then spent half an hour with the bookkeeper (while talking to Andrew he admits he should have done this a long time ago). After he saw the books he realized he was never going to regain his money. The principal owed printers and many other people. He also was the public relations guy for Will’s tribe, so he had been telling people including Will that the tribe owed him a lot of money, and the tribe has a multimillion-dollar casino, so people thought they had the revenue. Thinking ‘success the best revenge’, Will starts his own So will did what some entrepreneurs would do, and instead of getting mad, decided to get even by starting his own online publication called Grit City, after the nickname they have given Tacoma. What he discovered was publications in start-up phase do not make money, so essentially, he was funding this new venture and in so doing, was throwing good money after bad. His CFO also told him later about sunken-cost fallacy. He had already lost so much money with the other weekly paper owner and he was sinking money into the new publication. One day he decided he could not continue, and as a gift, handed the business to his partners, and walked away, another $60,000 out of pocket. While his former partners made the publication work, Will will never make any ROI from any of the decisions he made. One small satisfaction though is that soon after he left Grit City, it was outranking the publication of the con artist he had had dealings with originally.     Lessons learned Do due diligence, look at company’s books and debts If someone offers you an equity stake in a company, look at their debts, look at their books. If they are not willing to show you, then they’re not good partners and they are trying to take something from you. Beware of con men and the “confidence” they show The nature of con artists or confidence men is that they make you believe in the confidence that they have. Don’t look at what someone’s doing for you just because they’re doing it for you. Chances are their “kindness” and “confidence” is part of a mass scheme of deception.     Andrew’s takeaways Six common mistakes Collated from the My Worst Investment Ever series, the six main categories of mistakes made by Andrew’s interviewees, starting from the most common, are: Failed to do their own research Failed to properly assess and manage risk Were driven by emotion or flawed thinking Misplaced trust Failed to monitor their investment Invested in a start-up company Will’s case features Mistake No.5 A common mistake is that we give money to people or business start-ups. Then we neglect to ask questions such as: “How is progress?” “What are your revenues this month?” “What are your costs this month?” “Can I see the financial statements?”, Due diligence first is getting access to that but monitoring is about keeping track of exactly what’s going on. For a lot of people that are investing in a private business, the first step must be: Make sure that the company closes its books every month, Make sure the accountants produce a balance sheet and an income statement Even though it’s more time in trouble and hassle, make sure you get those financial statements that will ultimately will be signed by an auditor. Trust can only be built with time There is no short cut to building trust between people. Only time works with building trust. Sometimes we like people when we meet them, and we think we can trust them. So when you come upon someone that gives you confidence and they’re really excited, just remember the first three letters of the confidence – Con! That is what “con man: comes from. Spite is not a good investment strategy     Actionable advice Don’t believe when you go into an investment about the high returns, think about whether or not you can afford to lose the amount of money you are investing?     No. 1 goal for next the 12 months Will would like to see people who struggle with reading picking up a copy of his book then after that, picking up more books and learning.   “I’ve made a lot of mistakes in my life with my reading struggle and one was not admitting it to the public, to anyone for most of my life.” William Manzanares   Parting words It’s okay to take risk. Just make sure you’re not risking everything you have.       You can also check out Andrew’s books How to Start Building Your Wealth Investing in the Stock Market My Worst Investment Ever 9 Valuation Mistakes and How to Avoid Them Transform Your Business with Dr. Deming’s 14 Points Learn with Andrew Valuation Master Class - Take this course to advance your career and become a better investor Connect with William Manzanares LinkedIn Twitter Podcast website Facebook YouTube Connect with Andrew Stotz astotz.com LinkedIn Facebook Instagram Twitter YouTube My Worst Investment Ever Podcast Further reading mentioned William Manzanares (2019) I Can’t Read: A Guide to Success Through Failure  

Natali Morris is a former network news anchor turned personal finance educator and motivator. Her specialties include personal finance, business, and technology. She is currently a contributor to CNBC and MSNBC where she was previously an anchor, a role she also filled prior to that at CBS Interactive. Her experience includes being a contributor to CBS News and the TODAY show, along with CNN, ABC News, G4TV (a former US digital cable and satellite TV channel), BBC, The CW, Fox News, Fox Business News, and Univision (Spanish-language reporting). She has written for Consumer Reports, WIRED, Variety magazine, MarketWatch, TechCrunch, The San Francisco Examiner, PC Magazine, ELLEgirl (now defunct), the Oakland Tribune (now the East Bay Times), and more. She has a bachelor’s degree in journalism from California State University East Bay, and a master’s degree in sociology from the University of Southern California. Prior to 2010, you may have seen her work under her maiden name, Natali Del Conte. Natali is from the San Francisco Bay Area. She lives and works with her husband Clayton and their three small children. Her sole focus is to not screw them up.   “I don’t want focus all the time on shrinking my life, because that’s what I’m worth, I want us, all of us to expand our lives.” Natali Morris   Andrew’s question about learning finance “When you first looked at the idea of learning finance, or learning investing for yourself … how did you feel about what you were faced with?” Natali’s response “If you look at your finances, how to get them in order and how to then save and invest, as a whole, it’s too much … I started reading these books about how many fees are in your funds, and your IRA and your 401k, and I got myself all worked up and pissed off. And then I was like, well, where do I put them? … So … that wasn’t getting me anywhere until I decided: ‘Okay, take one thing, learn that one thing and that teaches you the language of finance to go to the next’.”   Andrew’s points on learning Learn one book or take one step at a time Someone once asked Andrew: “How many books have you read?” The answer was: “Thousands!” The query continued: “How did you read so many books? Andrew answered: “I read them one at a time.” In reference to Natali’s “learn one thing at a time” strategy, Andrew agrees, saying: “Take one small step at a time.” Mother set example for family financial planning Andrew’s mother was very much involved in his household’s financial decisions and money management. His mother and father worked together for years to build financial security, so that they lived a period of 20 years retirement without financial trouble. When Andrew’s father passed away, his mother moved to Thailand with him and she is still financially independent. Cutting costs has a limit, growing wealth has few You can never get to true success in business, investing or in building wealth by cutting costs. There is a limit to cutting costs, so the other part has to answer the question: “How do we grow?”   Worst investment ever FBI probe of investment dare not speak its name Natali had some trouble choosing her worst, as she’s had so many challenges. One story she can’t really talk about because it is the subject of an active FBI investigation into some funds that were in her IRA. This investment was particularly heartbreaking because she had her children’s investments tied up in that situation, as well hers and her husband’s. Another situation also involved trust Natali and her husband Clayton (a previous guest on this podcast) got into business with someone during the past five years. They were helping other people invest in off-market properties. Their partner was a fiduciary (a fiduciary relationship is formed between two parties who trust each other. In real estate, a fiduciary relationship is created between a real estate agent, known as the fiduciary, and a buyer or a seller, known as the principal) who was selling all the houses and Natali and Clayton we were getting referrals on any investors that went through him. Towards the end of their relationship, they realized that a lot of the rehabs he had said he had carried out, had not been done or were incomplete. And so that really ended up exposing them to a lot more liability than they had planned for.   General lessons It’s very hard to save your way to wealth In fact, Natali says it’s almost impossible. She found that a very difficult change in her thinking. But change she did, and now she tells her clients and students that if she could achieve that shift, then other people can do it too.   Andrew’s takeaways Collated from this My Worst Investment Ever series, the six main categories of mistakes made by interviewees, from the most common, are:    Failed to do their own research Failed to properly assess and manage risk Were driven by emotion or flawed thinking Misplaced trust Failed to monitor their investment Invested in a start-up company Mistake No. 4 is Misplaced Trust Andrew goes on to ask Natali about the signs so that listeners are not sucked into a similar difficult situation. Natali’s lessons on trust delve into the spiritual Natali and Clayton explored why this had happened, looked back through their communications, and how they formed the relationship and they found it very hard to pin down how they could have known, so Natali calls this more of a “soul challenge” than a practical challenge, because she and her husband were unable to determine how they could have averted the results of this fiduciary partner’s misrepresentation. Need for healing other than legal, practical redress Natali and her husband actually teach people to take charge, run their numbers, research risks, understand who they are dealing with and do their due diligence. They had done all that. So after a few occasions of misplaced trust, she started to seek healing. The lessons she learned came from a spiritual perspective, and that somehow, they had been led toward all of the steps that she needed to protect herself before this happened. Higher power hints to put protections in place She had been working closely with state lawyers to make sure they had a domestic asset protection trust, and another instrument close to an offshore trust that is available under US law. She had educated herself and established those trusts before she and Clayton had had any problems. She had educated herself on different insurance plans and decided to open a captive insurance plan, a kind of advanced investor tool. She was prepared and she realized that a lot of times when a “big soul challenge” is coming, you have been prepared in ways by which you were not fully aware. Then when it hits, you realize why you needed to be so prepared. She says, some kind of spiritual guidance or guardian angel or higher power is putting in front of you the people you’re going to need, the books, the podcasts, and the information to guide you along your path. If you pick them up, you will be more prepared for the soul challenge when it comes. What if she hadn't been so ready? Natali often wonders what would have happened if she had failed to pick up the tools she had found before her? If she had just stepped over them before the soul challenge arrived, she would be injured much worse. She would have been saying: “I could have read that book. I should have called that person, I could have hired that estate lawyer.” Natali Morris   Andrew on spiritual preparation Right path is usually not so hard Some people say that they’re searching for God’s will on a matter. Others could say: “It’s just the right path for me to travel in life.” Andrew argues that the right path is usually not too difficult. If you find yourself getting in too much difficulty, it is probably a good idea to step back. When you think about spiritual preparation, look for a path. It’s not necessarily the easiest path, but it makes sense, and it feels right. Listen to your intuition When something feels wrong, pay attention, bring it up and put it right on your desk in front of you.   “You get into this scary time … you’re in … the belly of the whale … and you’re like, ‘how did I get here?’, I don’t know what the journey is and you have help along the way and somehow you come out of it a different person, and it shows you what you’re made of and what you’re supposed to learn from it.” Natali Morris   Actionable advice Look for the next book Natali recommends letting the next book or message fall in front of you and then read it, follow the intuitions or “wisps” or whatever is trying to guide. “Every moment gives you an opportunity to see and ask ‘Is this preparing me for something that I need to know?’ Let me give it some real thought.” Read A Hero with 1,000 Faces and you will realize all mythology has a story to teach us about how we are being prepared for our own hero’s journey. Natali is still involved in many painful situations, but she may not come out of them a hero, but that doesn’t mean she will quit. She’s learned a lot about herself, especially during 2018, when she had her husband went through difficult times. But now, she is stronger, not afraid of money, not afraid of investments, and willing to take on a seller finance deal and talk to a lender. A lot stronger than the “little housewife” she was trying to avoid being. Andrew’s value-added comment You’re stronger than you think. When you face difficult challenges out there, the reality is that you can make it through.   No. 1 goal for next the 12 months Natali wants to find a way to put the benefits of her and her husband’s Financial Freedom Academy in the hands of the people that need it the most, so that whatever soul challenges that have to do with money in their lives, they are not afraid. To listeners: Anyone who is facing the results of their worst investment, “this is just their opportunity to slay the dragons”.   Parting words “I appreciate you being empathetic and letting me talk.”     You can also check out Andrew’s books How to Start Building Your Wealth Investing in the Stock Market My Worst Investment Ever 9 Valuation Mistakes and How to Avoid Them Transform Your Business with Dr. Deming’s 14 Points  Connect with Natali Morris LinkedIn Twitter Facebook Personal website Business website Blog Email Connect with Andrew Stotz astotz.com  LinkedIn Facebook  Instagram Twitter  YouTube My Worst Investment Ever Podcast Further reading mentioned Natali and Clayton Morris (2018) How To Pay Off Your Mortgage In Five Years: Slash your mortgage with a proven system the banks don’t want you to know about Joseph Campbell (1949) The Hero With a Thousand Faces (The Collected Works of Joseph Campbell)  

Bobby Casey is managing partner of Global Wealth Protection. His company helps clients from around the world to internationalize their assets and take advantage of unique investment opportunities globally. Bobby is a lifelong entrepreneur, investor, and student of life. He is a believer in privacy and freedom and fights this fight through words and actions globally. As a renowned speaker on anarcho-capitalism, free-market economics, and offshore business, Bobby travels the globe working with like-minded clients to help them properly structure their businesses and their lives to minimize risk and maximize reward. He holds two undergraduate degrees: a Bachelor of Science (BS) in finance with a minor in economics; and a BS in international business with a minor in Russian. He also holds a master’s in entrepreneurship from MIT.   “In reality, the worst investment ever related to taxes is not taking the time to properly plan and minimize your tax obligation.” – Bobby Casey   Worst investment ever Not putting effort into minimizing taxes is a mistake by inaction He says his No. 1 worst investment ever was probably the same as it is for every person listening to the podcast – taxes. In a way, he is joking. But what he really means is people don’t think about taxes as being a bad investment, because most people think they’re doing something they must do. However, the first time they write a six-figure check for taxes, it should make them think about what other better action could be done with that money than pay those taxes. He doesn’t mean breaking the law. But he says, while abiding by the law, there are a lot of things people can do to minimize taxes. Many people don’t think about it and write it off as the cost of success, but Bobby points out they could have reinvested that $40,000 or $80,000 into something significantly better if they had taken the available and necessary steps. Substantially worst investment For several years, Bobby used to host around two offshore investment conferences a year, primarily in the Caribbean. Around that time, he developed personal connections in the private investment space who had opportunities they were promoting, and the events gave people a chance to learn about alternative investment solutions other than just building a stock and bond portfolio. Bobby become close with one apparently hard-working guy, “Rick” (not his real name), who was offering such private investment options on the conference circuit, giving presentations, and raising money for his private company. At the time, he was selling preferred shares in his company, and Bobby bought about $100,000 worth of private preferred shares, for him a substantial sum at the time. Rick was doing press releases relating his success in bringing in lucrative investors, sometimes $5 million clients, sometimes $10 million, and saying what returns were going to be achieved. One release said, “We’re going to be up 300% this year.” Bobby was impressed. Adding credibility to the investment considerably was that Rick gained approval to take the company public on NASDAQ, and Bobby watched him on TV ringing the opening bell on the first IPO day of trading. Bobby thought he was going to make a killing on the stock. Rick even employed a friend Bobby had introduced. Enterprise exposed as a complex fraud The result was something far from a success. From top to bottom, the operation was a complete pump-and-dump scam. Rick was raising money selling preferred shares, speaking at conferences everywhere, in order to raise the stock price. With the millions of dollars he took for preferred shares, with all the press releases, Rick really did have a business, but it was not nearly as profitable or busy as he had claimed. Rick was arrested at an airport during an SEC investigation of his fraudulent pump and dump scheme. He had been taking money from the company promotions, funneling it through multiple offshore companies in Belize; those companies had brokerage accounts with tiny firms in the US, which were in turn buying up all the shares with it to inflate the share price of the listed company in a big money circle. By doing that, if the share price was $10, Rick would take all the money he had raised at a conference, $5 million for example, funnel it through the Belize companies, which would then buy $5 million worth of stock. This blew the price up. He was also paying “analysts” to write extremely glowing reports on the listed company. The stock would then rise from $10 a share to $15 to $20, and he would through his private holdings, sell them through the Belize company. Bobby’s friend indicted and jailedIt is difficult to believe that NASDAQ actually listed this company without enough due diligence to realize the scam for what it was. Sadly, Bobby’s who worked for Rick was named in the SEC charges and was jailed for six months, because he was a “public figure”, and even though he had no knowledge of the situation. Some lessons Don’t take anybody at their word on an investment. If you’re investing in a project, especially one that is an alternative asset class, such as a condo in Panama, don’t just look at a smooth-talking salesman and a really great PowerPoint presentation and give him a $50,000 deposit. Go to Panama, look at where they’re putting shovels in the ground, see if they’re actually building something, do a little bit of homework and spend a little money to investigate, fly down to Panama, for example, and if that $1,000 saves you $50,000, it will be worth it.   “Whether the project is a complete scam, or just poorly executed, the results the same – you’re still going to lose your money.” – Bobby Casey Know yourself and find your investment comfort zone. Invest in an area you know about and stay in it. Bobby has his a comfort zone that works for him, but when he has strayed from it, he has paid the price.   “I’ve been investing for 30 years, and every single time … I started making investment decisions that were outside of my area of expertise and my comfort zone, they would never go well.” – Bobby Casey If you go outside your comfort zone, do a great amount of due diligence before you throw your money down.   “Whether the project is a complete scam, or just poorly executed, the results the same – you’re still going to lose your money … so do your homework.“ – Bobby Casey   Andrew’s takeaways Mistake No. 5: Misplaced trust Mistake No. 2: Failed to properly assess or manage risk. Believe no one. Try to make sure that people can prove their claims or that proof is made available easily. Don’t hesitate to ask for advice. However, usually people fail to ask for advice until it is too late, because they are too excited about the potential return, which blinds them to possible risks. Find someone with interests aligned with yours, with expertise in the asset class and location you are investing in, such as a good lawyer in Panama, for example, if it’s a real estate deal there, who can understand what’s going on and hopefully keep you out of a scam. But don't be afraid to ask for advice. And usually people don't ask for advice until it's too because it gets so excited about the potential return. No. 1 goal for next the 12 months To build his crypto mining operation to maximum capacity, taking advantage of his location’s inexpensive electricity bills. He does believe crypto prices will return to former levels and is a big believer in blockchain technology in general. Parting words The number one investment you can make is in yourself, your own education and spending your time with people who are going places can lift you up and who you can life up also.   You can also check out Andrew’s books How to Start Building Your Wealth Investing in the Stock Market My Worst Investment Ever 9 Valuation Mistakes and How to Avoid Them Transform Your Business with Dr.Deming’s 14 Points   Connect with Bobby Casey: LinkedIn  Twitter     Connect with Andrew Stotz astotz.com  LinkedIn Facebook  Instagram Twitter  YouTube My Worst Investment Ever Podcast 

Jeyabalan Parasingam is a Certified Public Accountant (MICPA) and a Chartered Financial Analyst (CFA). He has more than 25 years of corporate experience in areas such as finance, taxation, auditing, investment banking, private equity, real estate, and investment management. He’s been instrumental in the set-up of several successful start-ups over the past 15 years with a range of companies involving BPO (business process outsourcing), private equity, real estate, and technology. He has raised more than 600 million US dollars in equity commitments over the past 10 years.    “One of the best lessons I’ve learned in stock investment is that there is no amount of under-investment that you can do in due diligence. You’ve got to start due diligence in advance by reaching to the internal stakeholders.” – Jeyabalan Parasingam   Lessons learned  1.Detailed take on vital nature of due diligence behind any stock investment. Start vigorous due diligence a long time in advance. What he means is:                       a. Speak to the competition                       b. Speak to bankers                       c. Pick up the phone and call a supplier or get someone else who you trust the call a supplier pretend to be a purchaser. That can give you a good understanding of the company’s actual strength and weaknesses                      d. Don’t just use due diligence to confirm the investment. Instead, ask the question:     “Should we walk away now and lose a little bit of money that we have spent on due diligence and bringing the deal to the market, or do we continue this transaction and spend a lot and have a lot of grief later?” – Jeyabalan Parasingam    2. Forget the fact Big Four accounting/audit firms or big banks are involved in doing the due diligence because they too can make mistakes or miss crucial items.   3. Take a central role in the due diligence. Personally oversee the proceedings and be the duty person, as you can hire an accounting firm to do the books, but the people are doing the due diligence might have little to no experience.   4. Make sure the people helping you with due diligence understand the sector well enough and have good enough relationships in that sector, so they can provide information that would not otherwise be available.    Andrew’s categories of mistakes and their antidotes   Andrew has gleaned from the Worst Investment Ever series of podcasts and blogs six main categories of mistakes made by respondents, starting from the most common:   Failed to do their own research  Failed to properly assess and manage risk Were driven by emotion or flawed thinking  Misplaced trust  Failed to monitor their investment  Invested in a start-up company  He also mentions his six-step investment process, which can help to avoid such mistakes  Find an idea  Research the return  Assess the risks  Create a plan  Execute the plan  Monitor the progress  Andrew’s takeaways  1.Often (Error No. 2) investors fail to properly assess risk. And this research on risk should be clearly separated from research on return.   2.Due diligence 1: Set up a team within your organization or your group solely to assess risk and do due diligence. Its sole responsibility should be to prove why the investment shouldn’t go ahead, the reasons why and explain what the risks are.  One of Andrew’s prior interviewees from London talked about having such a peer-review process within his investment team to produce counter debates, requiring it as part of their stock/company-analysis process.   3. Due diligence 2: Be an eyewitness and just go to see.               a.                a. If you’ve ranked a company they are among your top-10 customers, go and meet them.                b. If a company is shipping goods to a warehouse, go to the warehouse and see.  4.Due diligence 3 and the idea of misplaced trust (Mistake No. 4). People that are cooking the books and playing games, are always going to use big brand names to hide what they are doing. But it doesn’t stop at products. Other brand names can also be used:                a. Customers’ brand names and suppliers                b. Brand names in the audit firms.                c. Brand names of the banks, so:     “To be a great analyst, you must start with the premise: trust nothing, trust no one. In other words, get evidence … even branded companies and big companies and successful companies can easily miss the things … particularly when someone’s really working hard to hide stuff.”  – Andrew Stotz     You can also check out Andrew’s books  How to Start Building Your Wealth Investing in the Stock Market My Worst Investment Ever 9 Valuation Mistakes and How to Avoid Them Transform Your Business with Dr. Deming’s 14 Points   Connect with Jeyabalan Parasingam  LinkedIn  Email    Connect with Andrew Stotz astotz.com LinkedIn Facebook Instagram Twitter YouTube My Worst Investment Ever Podcast  

Major missteps in the home buying process can come at a high cost—that could mean losing thousands of dollars or, worse still, making a bad purchase. In particular, there are two mistakes buyers are often tripped up by:  Mistake No. 1: The buyer goes directly to the listing agent and makes an offer. On its face, this might not seem like much of a mistake, but at the outset, that same listing agent signed an agreement with the seller to represent and negotiate on their behalf above anyone else’s. As the buyer, who has YOUR best interests in mind?  A popular myth that some buyers fall prey to is the notion that, by going through the listing agent, they’ll pay less commission and get an unbeatable deal on the home. This simply isn’t true.  This is how it really works: When a seller hires a listing agent, they agree to pay whatever their fee is. In turn, the agent will usually offer half of that payment to another party who might be representing a buyer in an effort to get them interested in the property.  This cooperative effort allows for better service to the community and is a win-win scenario for all parties involved. Otherwise, that listing agent pockets the whole fee, and you’re putting yourself at a huge disadvantage as you prepare to make a purchase. “With our team, you’ll be glad to know that the buyer’s specialist you speak with works specifically for and with you, the buyer.” Mistake No. 2: The buyer works with the first agent they find; this includes the agent who is the first to return their call, the first they locate online, or the one who turns the key for them. My advice is to explore a little further and find an agent who knows the market inside and out and who will represent you fully and professionally.  Think about it: Because the listing agent will share the commission with your agent, it won’t cost you a thing, and you’ll actually have someone advancing your position and yours alone. They’ll negotiate repairs on your behalf, protect you against losing earnest money, and help you avoid so many other pitfalls in the process.   With our team, you’ll be glad to know that the buyer’s specialist you speak with works specifically for and with you, the buyer. We know how important it is for both parties to have equal representation in the transaction. If you have any questions or are looking for someone to represent you for your buyer needs, please give us a call at 706-621-6085 or visit us online at WoodallRealtyGroup.com. We’d love to help!

In this video, I’m going to show you exactly what is causing the bicep tendon tears when deadlifting and more importantly how to make sure it doesn’t happen to you.

There are common mistakes -- some of them fatal -- that women 40 and older are making.Turning 40 is a milestone women used to fear because it meant they'd turned the corner to being "over the hill."These days, women in their 40s (and beyond) are living fast-paced, fulfilling lives. However, there are common mistakes -- some of them fatal -- that women in this age group are making.Christine Horner, MD, joins hosts Andrea and Lisa to discuss four of these fatal mistakes and solutions to each.Mistake No. 1: Neglecting Heart HealthMistake No. 2: Mismanagement of MenopauseMistake No. 3: Weight Gain AcceptanceMistake No. 4: Not Loving Yourself

If inexperienced fastest fast for too long - they could be setting themselves up for failure....... This weeks podcast we go over one of the mistakes I see when fasting. Check it out xo

Oh yes. We're covering it. Well, the best we can, because there are a lot.   A list of the songs we are talking about: Burger King - Sister Christian - Night Ranger Doctor Doctor - Doctor Doctor - Thompson Twins Don't You Forget About Meat - Don't You… - Simple Minds Fairfax Avenue/Flatbush Avenue - Electric Ave - Eddie Grant Fast Food - Thank U - Alanis Morissette Fatter - Shattered - The Rolling Stones Feel Like Throwing Up - Feel Like Making Love - Bad Company Free Delivery - My Heart Will Go On - Celine Dion Gravy On You - Crazy on You - Heart Make Me Steak #3 - Mistake No. 3 - Culture Club Moldy Now - Hold Me Now - Thompson Twins Sometimes You Feel Like A Nut - Suddenly Last Summer - The Motels Spameater - Man-eater - Daryl Hall & John Oates Take Me To the Liver - Take Me to the River - Talking Heads Take The L Out Of Liver - Take the L (Out of Love) - The Motels We Got The Beef - We Got the Beat - Go-Gos Whole Lotta Lunch - Whole Lotta Love - Led Zeppelin   Al's cameo - Tech Support #1 & #2: https://www.youtube.com/watch?v=qyKK5U62GEc https://www.youtube.com/watch?v=RmTOUm6Ulcg   Dan's plugs n' stuff: @DanielKawkawww.danielkawka.com http://theghic.com/   Follow Us on: Facebook:  https://www.facebook.com/theweirdalphabetpodcast/ Twitter: https://www.twitter.com/weirdalpod Show music: "Dvorak Polka" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/ Find more of our episodes at www.pipedreampodcasts.com   Email us at: alscarrierpigeons@gmail.com

Episode 3: Losing your job can be a bitter blow but if you play it right, it can also be a blessing in disguise. Jane Jackson talks about how to turn trauma into triumph. “There are 7 common mistakes that job seekers make and can be avoided through careful assessment, research and planning.” MISTAKE NO. 1 – You are not ready You’re still hurting from being in a difficult situation. A big mistake is to market yourself when you are still feeling emotional and your confidence is at low ebb. It’s best to market yourself after you have acknowledged the change, acknowledged that there are some things you cannot change and identified the things you can. “The key is to remember you are still the same competent professional you’ve always been and you have a mountain of value to offer the right employer in the right environment. If you don't believe in yourself, who will?” Take time to rebuild your self-confidence and get into the right frame of mind for the job search. MISTAKE NO. 2 – You don’t know what you want and what’s important to you You haven’t assessed what drives you in your career or what your specific skills, knowledge and key motivators are. You may be applying for roles that are not suited to you. To make successful applications you must know what makes you tick and the reasons why a role appeals to you. As you go through to the interview process, employers will want to know how close a ‘fit’ you are to their needs, their corporate culture and team environment. You need to prepare well so that you can eloquently communicate your value, key drivers and be authentic in your responses. MISTAKE NO. 3 – Your resume and communication strategies are haphazard You’re sending out the same generic resume and cover letter for every application and not getting a positive response. Your resume and cover letter often are the first point of contact with the screener. Take time to tailor your resume and cover letter effectively for each and every role. When people ask you how they can help you, you communicate ineffectively because you haven’t thought about how you are going to position yourself. Create a strong positioning statement and know what you will say when you are asked, ‘So why are you looking for a job?’ MISTAKE No. 4 – You don’t look the part in person or online You haven’t thought enough about the image you are projecting to others. Before they even meet you they may be able to view your LinkedIn profile and other social media sites and they will form an opinion of you before that first handshake. Have you positioned yourself honestly and professionally? You haven’t done your research to find out what will be appropriate attire for the interview and on the job. As first impressions are so important and you only get a few seconds to make a first impression, think about what others see when you walk into a room. MISTAKE No. 5 – You don’t know how to use all the job search methods effectively You have been focusing mainly on advertised roles and missing out on expanding your network to uncover the hidden jobs. You don’t know how to network effectively, what to say and what to ask for. You are getting frustrated with recruitment consultants, as you don’t know what they are really looking for. You are on LinkedIn but you’re not using it to your advantage. Take time to improve your networking skills, learn how to communicate your value to recruiters and how to leverage LinkedIn effectively. MISTAKE No. 6 – You are not able to convey your value in interviews You have not been preparing for your interviews effectively. Or you’ve prepared and when you start talking you oversell and come across as overly confident. The key to successful interviews is to prepare, prepare, prepare! Employers are looking for someone to provide the functional skills and the soft skills required for the role, and one who is willing to work they way that fits with the culture of th