More money and a creative boost: What happened with I decided to make work-life balance my priority

Work-life balance. It’s one of those concepts that has crossed my mind a thousand times over the past 15 years in which I’ve built my business, but I have to admit, I never really took much notice of it or cared to entertain the thought. ‘Growth’ (bigger and better) was my mantra and to achieve this consistently meant it was ingrained in my personal mindset — a belief system I’m sure would be very familiar to many entrepreneurs.

My world was rocked three years ago when my husband was diagnosed with cancer, and then again, just a year later, when my daughter was born with serious health complications. Life is full of moments like this for many people and at some point, they really make you stop, take a very good look at your life and question what’s really important, in addition to what you truly want to achieve.

For me, that time came 12 months ago when I realised that working myself into the ground to achieve my version of success, while trying to support my family and stay healthy, wasn’t sustainable.

As a result, I made the decision to scale back my business. It felt so hard at the time, but I knew it was the right move.

The journey to creating my perfect work-life balance then began and although it has not been an easy one, and mine may look different to yours, I am confident you can still achieve your version of success while making wellness and balance a priority.

Here’s four key things that have happened to me, as I strive to live my perfect work-life balance. 

My physical and emotional health is back in check

Honestly, this journey has made me realise just how much I neglected my physical and emotional wellbeing for many years in pursuit of ‘growth’.

I was quite good at telling myself that I was taking care of myself. But in hindsight, I realise I wasn’t really committed to doing so because I often felt anxious about taking time out from work for fear of falling behind on my goals and letting myself down. Over time, this built-up in the form of weight, stress and anxiety, and eventually, a mystery health scare (which thankfully turned out to be nothing too serious). However, I had reached a point where I could no longer ignore my wellness, or the risk of being seriously unwell and unable to care for my family.

It’s no secret exercise releases all sorts of incredible chemicals that impact your overall mental wellbeing. As I started to exercise in ways that made me feel good, I increased both my physical and mental strength, which has helped me take on each day with more energy and ease.

I’m eating more mindfully and as a result I feel like I’m firing on all systems, especially when life inevitably gets tough.

But perhaps what I realised was the most important thing of all: to talk it out. Someone once said to me, “a problem shared is a problem halved”, and there’s no doubt I’ve experienced the simple, yet powerful resonance of this message in managing the stress and anxiety that comes with being an entrepreneur.

Running a business can often be a lonely journey and we’re notorious for not asking for help when we need it, but reaching out to family, friends, a counsellor, or even a fellow business owner could help you get the handle you need over your emotional wellbeing — and lead you on to an even greater, more satisfying path than you had ever imagined.

My top physical and emotional health tip: be really honest with yourself about your level of physical and emotional self-care. Like really honest. Are you in a state of wellness that best supports you to achieve everything that’s on your list, and more? If not, start to think of, and trial, changes that could help progress you towards the version of yourself you’d like to be. 

I’m more creatively mindful and thoughtful in the work I produce

Instead of running on the hamster wheel of progress and tracking the upward revenue trajectory, in scaling back my business to achieve my ideal work-life balance, I now have the flexibility to make each and every creative project I work on a mindful and deliberate choice. I have released the pressure and expectation on myself to create a business that is as big as it can possibly be and as a result, I now focus on a ‘less is more’ mantra, choosing projects that enhance the quality of my life, not detract from it.

Many times over my career I have said ‘yes’ to a project that has an unrealistic timeline, or one that overextends on my natural capability, leading to increased stress and anxiety. Unfortunately, it wasn’t until recently that it became clear how much this behaviour impacted my ability to make strategic, deep thinking a priority. Now, strategic thinking, planning and mindfulness in each creative choice I make is paramount. This naturally flows on to produce more effective results for my clients, and on a personal level, more creative satisfaction.

My top productivity tip: think about the impact ‘quality’ over ‘quantity’ has over your ideal work-life balance, and what changes you would have to make to be able to work more mindfully.

I enjoy life more

It seems obvious, but I enjoy the beauty of life far more now than I did before I scaled my business back, because I no longer focus my energy on exceeding my personal expectations. I find beauty in the new simplicity of my business and work in a mindful state, which is incredibly satisfying. I take time to stop and appreciate everything that is part of my life and I find myself randomly smiling for no reason, other than I feel happy.

When I moved my business focus from growth to value alignment, I finally had the time and headspace to appreciate my achievements and set new, more realistic business targets, as opposed to ticking off a goal setting list. I also now focus some of my energy on positive self-talk, so that when I don’t meet my targets, I simply see this as part of the journey and not a reason to emotionally beat myself up.

My top tip for enjoying life: don’t forget to stop and smell the roses, life is way too short!

I make more money

Money is not everything, and it’s never been a major motivator for me. But it does help you to do the other things in life that you’re passionate about, and for me that includes pilates and cooking organic food.

It seems counter intuitive but having a ‘bigger’ business does not always mean more profit. It often means more revenue, which is typically attached to higher overheads, and for some that can also result in a sharp decline of profit margins. In scaling back my business, I have experienced that in taking on fewer projects with less overheads, my profit margin has significantly increased. And together with the benefits of less stress, more time for friends and family, and an overall wellness focus, this is an incredibly valuable situation to be in and one that is hard to put a price tag on.

My top tip for making money: consider what’s really ‘valuable’ to you, and where you can improve the value you create as you work towards your ideal work-life balance. Are there any professional/commercial options that bring both financial and wellness abundance into your life?

If you or someone you know is living with mental health issues, contact  on 13 11 14 or  on 1300 22 4636.

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Trading View: Checking in on Shares of PharmChem Inc. (OTCMKTS:PCHM) – The Coin Guild

Shares of PharmChem Inc. (OTCMKTS:PCHM) have been in the headlines as its price reached $0.81 at the conclusion of the most trading day.  The stock is traded on OTC in the Medical sector and Medical – Outpatient and Home Healthcare industry.   

The mathematical calculation that represents the degree of change over time is known as “percentage change”.   In finance, it serves many purposes, and is often used to represent the price change of a commodity.

PharmChem Inc. (OTCMKTS:PCHM)’s Price Change % over the last week is -45.64%.  It’s % Price Change over the previous month is -15.63% and previous three months is [% Price Change (12 weeks)].  Finally, looking back over the past year-to-date, PharmChem Inc. (OTCMKTS:PCHM)’s Price Change % is -24.3%. 

Percentage change can be applied to any quantity that is measured over time any given time period.  Say you are tracking the price of a stock.  If the price increased, the formula [(New Price – Old Price)/Old Price] is applied and then take that number and multiply it by 100.  If the price of a stock decreased, the formula [(Old Price – New Price)/Old Price] is applied then multiplied by 100.  The formula can be used to track the prices of both individual commodities and large market listings, and also used to compare the values of different currencies.  Balance sheets with comparative financial statements often will include prices of specific stocks at different time periods alongside the percentage change over the same periods of time. 

Average Volume is the amount of securities traded in a day on average over a specific time period.  Trading activity relates to the liquidity of a security.  When average volume is high, the stock has high liquidity and can be therefore easily traded, while conversely, when the trading volume is low, the commodity will be less expensive as traders are not as willing to purchase it.  Average volume has an effect on the price of the security. PharmChem Inc. (OTCMKTS:PCHM) has seen 33920.9 shares trade hands on average. 

PharmChem Inc. (OTCMKTS:PCHM)’s 52-Week High-Low Range Price % is 19.05.  Countless factors affect a security’s price and, therefore, its range.  Macroeconomic factors such as interest rates and the economic cycle significantly impact the price of securities over lengthy periods of time.  A big recession, for example, can dramatically widen the price range equities as they plummet in price. 

Considering that price volatility is equivalent to risk, a commodity’s trading range is a great indicator of risk.  Conservative investors will gravitate towards securities with smaller price fluctuations as compared to securities with larger price swings, preferring to invest in relatively stable sectors such as health care, utilities, and telecommunications and avoiding high-beta sectors like commodities, technology, and financials.

A 52-week high/low is the highest and lowest share price that a stock has traded at during the previous year.  Investors and traders consider the 52-week high or low as a crucial factor in determining a given stock’s current value while also predicting future price movements.  When a commodity trades within its 52-week price range (the range that exists between the 52-week low and the 52-week high), investors usually show more interest as the price nears either the high or the low.

One of the more popular strategies used by traders is to buy when the price eclipses its 52-week high or to sell when the price drops below its 52-week low.  The rationale involved with this strategy says that if the price breaks out either above or below the 52-week range, there is momentum enough to continue the price fluctuation in a positive direction. PharmChem Inc. (OTCMKTS:PCHM)’s high over the last year was $1.49 while its low was $0.65.

Beta measures the volatility of a security in comparison to the market as a whole.  The tendency of a security’s returns is to respond to swings in the market.  For example, a beta of 1 means that the security’s price will move in lockstep with the market.  A beta of less than 1 indicates that the security will be less volatile relative to the market.  A beta of greater than 1 tells us that the security’s price will be more volatile than the market.  Beta is an expression of the tradeoff between maximizing return and minimizing risk. PharmChem Inc.’s Beta number is 2.69. 

Outstanding Shares refers to all stocks currently held by all shareholders, including blocks held by institutional and insider investors, of a given company.  Outstanding shares are shown on a company’s balance sheet as “Capital Stock.”  The number of shares outstanding is used to calculate key metrics such as a company’s earnings per share (EPS), cash flow per share (CFPS) and its market cap.  The number of outstanding shares is not static, as it can fluctuate greatly over time. PharmChem Inc. (OTCMKTS:PCHM)’s number of shares outstanding is 5.85m.

Individual investors consider penny stocks to be Wall Street’s Wild West, an untamed world of investing apart from all the media coverage and attention that comes with stocks that are traded on the major exchanges.  While the ups and downs can be pretty impressive within the penny stock world, they’re not often heard about on the outside.

Though you don’t often see coverage of penny stocks every day on CNBC, it doesn’t mean that penny stocks are without drama or interest.  Unfortunately, penny stocks have earned a reputation as a shady game filled with scams and corruption. 

If penny stocks aren’t traded on normal exchanges, where can one buy them?  Like any other stock you would buy, you can purchase shares of a penny stock through your normal stockbroker — regardless of whether or not it’s listed on a major exchange.

The cheap stocks listed on major markets like NYSE and NASDAQ aren’t typically considered “penny stocks” in the strictest sense, they can take on the characteristics of the benefits of penny stocks without as much risk.  The reason is that these exchanges have strict listing requirements, and though these stocks might not allow for as much of an upside as “true” penny stocks can, they are usually more reliable.  

True penny stocks can be found on the Over-the-Counter Bulletin Board OTCBB), which is a quotation.  As opposed to Pink Sheets, which is just a quotation publisher, OTCBB does maintain listing requirements (though they’re less strict than those of an exchange).  It’s for this reason that OTCBB has some added legitimacy.

Pink Sheets is a quotation system that provides information to investors on stocks that are registered with it.  Pink Sheets isn’t registered with the SEC and doesn’t enforce listing requirements, making them riskier.

Though penny stocks are riskier than regular stocks, it’s their volatility that makes them attractive to investors.  It’s not impossible for, say, a stock to jump from $0.05 to $5 in two weeks.  Though companies that successfully jump from penny stock to power stock are rare, the ones that do can make their investors wealthy.  The trick, of course, is finding the right stock.   

Companies that can successfully make the jump from penny stock to power stock are rare, but when you find them they pay out in spades. Numbers vary quite a bit in the penny stock world, but investors have raked in gains over 1,000% in a couple weeks’ time. The real trick is finding the right stock.

The SEC considers a penny stock to be any stock under $5.  Though there are sub $5 stocks trading on the big exchanges like NYSE and NASDAQ, most investors won’t think of these when describing a penny stock. 

Disclaimer:The information contained on this website and from any communication related to this website is for information purposes only.  The material on this website does not constitute advice and you should not rely on any material in this website to make (or refrain from making) any decision or take (or refrain from making) any action.


Zimbabwe Money Minister: Reviving Economy is ‘Huge’ Job

HARARE– Zimbabwe’s brand-new finance minister has actually explained his task of revitalizing the country’s moribund economic situation as very hard, however he is confident of success.

“It’s huge, it is Herculean. I am very energised as well as I am very as much as the job. I am starting now, however while doing so what I will certainly do is pay attention,” stated Financing Preacher Mthuli Ncube, a former chief economist and also vice head of state of the African Growth Bank.President Mnangagwa

(right)talk with Zimbabwe’s new Finance Priest Mthuli Ncube at the State House in Harare, Sept. 10, 2018. He spoke to VOA at the State House after being sworn into workplace Monday by

Head Of State Emmerson Mnangagwa.Nearby, 21-year-old Isaac Madyira is unemployed. He dropped out of school seven years ago after his also parents, also jobless, fell short to pay the costs. He currently offers cash, which has been in acute short supply for the previous two years in Zimbabwe. He claims he anticipates change from the brand-new Cupboard Mnangagwa took into office Monday.” What we desire is corruption to be do away with. We want development as rapidly as possible. I think [on]

the issue of loan, we require our own currency which is valued as contrasted to various other money, then bond notes must go [the last 2 words in Shona],”he said.An informal dealership counts bondnotes in Harare, Sept. 9, 2108, which were introduced in 2016 to address money scarcities in vain.Zimbabwe began publishing bond notes

concerning 2 years ago to alleviate cash money shortages. They were supposed to trade at par with the UNITED STATE dollar, however on the underground market

the notes deserve about fifty percent as much as a buck as well as cash shortages have not ended.Bank queues For close to 3 years now, Zimbabweans spend hours to days in financial institution queues as cash money lacks continue Harare, Sept. 10, 2018. Virtually as if Ncube had talked with Madyira, the new financing preacher claimed he

has to resolve the currency concern for Zimbabwe’s economic situation to return on course.”Bring back self-confidence in the economy, I make sure that international financiers want the Zimbabwean economic situation once again, “said Ncube.”I will certainly be rolling [out] a plan on the arrears clearance and the entire debt restructuring process

, coupled keeping that is developing credit lines around the world. Internally I make that on the expense side we live within or suggests or relocate in the direction of that. We need to enhance our tax collection systems. Eventually we require to have the Zimbabwe dollar that is steady, that people have confidence in. To have a domestic money, you require to develop gets.” Zimbabwe abandoned its useless dollar in 2009 and also has actually been utilizing the U.S. dollar, South African rand and also British sterling pound for trading.An economist for the Labor and Economic Growth Research Study Institute of Zimbabwe, Prosper Chitambara, says the Ncube is a good selection for

the job.” It is a great beginning. He is somebody that is legitimate, an expert. But what needs to be done is to begin real work,”he said.”To roll up his sleeves and start to implement vital monetary policies that will revive confidence right into the economic climate. Reining down on recurring expenditure. In general, what we require are monetary loan consolidation reforms that reduce considerably frequent federal government expenditure. “Kirsty Coventry, Africa’s the majority of decorated Olympian is now Zimbabwe’s minister of sports and also youths, Harare, Sept. 10, 2018. She states that the concern of sources will affect her job.Chitambara states Zimbabwe’s government invests a lot of its income on wages, leaving social services industries like education and learning and health in dire demand unless Western aid firms, like USAID, aid.

Chitambara states Ncube has to alter that if the country is to recover.High unemployment price– estimated to be above 85 percent has forced most Zimbabweans to rely on vending Harare, Sept. 10, 2018.


Despite Israeli financing preacher’s initiatives, housing market is shrinking

The Central Bureau of Statistics stated Monday that new-home purchases fell 22% in the initial fifty percent of the year to 10,150 devices. The speed was down much more dramatically from the first half of 2016, when 16,440 residences were purchased, as well as of 2015, with 16,590.

Additionally, the CBS numbers revealed that new-home buyers were increasingly buying in the facility of the country, instead of the Negev or the Galilee.

In the first half of this year, 21% of new houses that were acquired remained in the Tel Aviv area, up from 17% the same time a year earlier. For the Central District that number was 35%, up from 32% in the same duration in 2017. For Jerusalem it was 10%, up from 8%.

Nevertheless, the Northern Area (Galilee) made up only 6.5% of new-home purchases, below 8% a year ago, and also in the south (Negev) they dropped to 11% of the overall from 14%.

The choice of purchasers to purchase houses in the center of the country usually characterizes a realty market in dilemma. Professionals have actually identified the sensation as well as the decrease in acquisitions and also have actually been decreasing the pace of construction because the start of 2017.

The current numbers from the CBS for June 2018 showed that the variety of homes incomplete was just 23,640 systems, its cheapest since the CBS started accumulating the data 18 months ago.

Fad information from the CBS revealed that the stock of unsold houses has actually been declining at a price of 0.6% a month since last October after rising the first 9 months of 2017 by 0.3% a month.

Kahlon has liquid chalked up some success on housing rates, which he has actually made leading concern because he took workplace three years ago, by imposing tax obligations on home investors as well as the Mahir Lemishtaken (purchaser’s cost) program that sells land at a discount rate to specialists, that pass the cost savings on the customers.

Nevertheless, the price of month-on-month costs declines has dissipated and in May, the last month for which there are numbers available, rates revealed no modification in all. For the year with May, they were down by simply 0.1%. For new houses– the sector regarded as responding faster to market advancements– costs climbed 0.9%

Meanwhile, the current numbers for home construction starts show a 22% decrease to 43,350 systems in the 12 months via last March.

The figure on decreasing real estate stock and begins, nonetheless, will likely to exert higher stress on costs going forward.

On the other hand, repeated requests by TheMarker to the treasury as well as to the Building And Construction and Housing Ministry for numbers on the number of houses really occupied by buyers in the Mahir Lemishtaken program reveals just how little an impact the program is having on the marketplace.

Of 55,000 houses that have actually been marketed with the program over the last 3 years, keys to just 1,000 have actually been delivered to purchasers since today. Offered construction times, that’s not an unexpected figures– if all of the houses that were built under the program at its beginning in 2015 had been finished as well as supplied in a timely manner, the number would have had to do with 3,300.

Nevertheless, the treasury’s primary economic expert said in a report that novice buyers (young pairs) were opting not to sign up with the Mahir Lemishtaken lottery games as well as counting on the private market because of the long preparation in between buying and obtaining ownership of a home.


Purchase thyself: 3 methods to spend cash that will certainly make you better

Where do you spend your loan? Besides expenses and other adult obligations, where do you discover yourself dropping dollars on the regular?I, as well, have actually been guilty. I’ve grumbled regarding just how much money I don’t have and also, in the very same breath, phoned a homie to go spend a lot at the bar or budget for iTunes as well as Netflix. For as long as we claim we desire our desires ahead true, just how much is that represented in our spending power?The ordinary household spends an average of $3,008 per year on eating in restaurants according to the Bureau of Labor Stats reports and Harvard Business Testimonial scientist Eddie Yoon located that only 10 percent of customers proclaimed a love of cooking.What that suggests is that we’re not nearly as broke

as we claim to be; we just do not purchase the right things. Eating practices are simply one instance of edges we can cut to be affordable as well as shows how, despite what we say, all of us unquestionably have sources that can be spent more efficiently.I have actually seen people carry out miracles to obtain the most popular footwear out as well as sell their soul to attend a show, but will not spend for a coding class or save as much as obtain a better operating camera.The reality of the issue is that we merely do not purchase ourselves sufficient. There is sufficient possibility to better ourselves and also in ways that are monetarily inconsequential.Taking time to grow our presents as well as abilities is an obligation that much too many people do not take seriously enough. Exactly how else do we become our finest selves?You can also go as far to claim that purchasing self is a form a self-care; and exactly how can we anticipate others to deal with us– in any kind of capillary– if we do not care for ourselves?Investing in yourself generates the very best return. Below are some examples of just how easy it is.Invest in your health A lot of times when people think about the health club, narcissistic meatheads, CrossFit fans and also other extremes come to mind, but in truth, it can additionally be for those who merely desire

to maintain.Every day, there are thousands that purchase their marijuana behavior over a gym subscription or in their weekend flick routine over a diet strategy or their

closet over self-educating. If even more of us simply put some hard money towards our bodies, not just will we fulfill those body objectives that have constantly seemed evasive, but it would clear our heads as well as make us far better operating humans.Our health

is as crucial as our vices, our craving for sweets and our love for fashion.Invest in your profession Creatives that don’t invest in themselves are creatives that do not believe in their craft.Whether you’re a musician, visuals artist

, writer, event organizer and so on, there are means to improve and also update your craft. Yet, every day you see a musician whine about what they don’t have as opposed to making ways to obtain it.As a creative, leisure money needs to be art loan– they are just one of the same.You can not cry concerning the challenge of working 8 hours a day as well as only having time to


develop on the weekend break while

simultaneously not putting the profits toward that claimed dream.Investing in our careers as well as desires is as easy as

making a regular commitment as well as slowly functioning towards that objective. The MacBook you’ve always wanted may be a little expensive up front, yet not if you refrain from night life for a season.That brand-new camera might appear unreasonable, yet surely it’s worth not looking fly.Invest in a brand-new ability In some way, we have actually been encouraged that education and learning quits when we obtain

our degrees as if an official education and learning is the only location we can gather details or the only place worth investing loan for expertise. Nonetheless, this could not be further from the truth.As long as you live, there is going to be something to be learned. Technology, trends as well as the state of culture modifications from generation to generation– there actually isn’t any room to be content with what we have actually discovered or to be stationary in our understanding.From coding to video clip modifying, if we were to purchase information and skillsets

, we would certainly not only broaden our understanding but we ‘d be making ourselves more marketable. It’s everything about putting ourselves in

the mind structure of self-improvement, and also it’s relatively affordable. Often times we look at where we’re not as well as where we intend to go and also what we want to complete and also we feel stuck, however there’s so much we can do in where we presently are.There are always methods to improve and grow, it’s simply an issue of exercising our cash in order to do so. When we invest in ourselves, we’re never mosting likely to lose.