Naturally: Failing Forward

Failure: It is not the end but an opportunity to learn from. It is not the end of a journey but rather a stepping stone on the path. The road to success is through failure…

I suppose I could go on for days with definitions and quotes on what is understood by us as being a failure and our interpretations of it, not that we need any reminder of this; as it was drilled into us at a very young age. And unfortunately, in my perspective of where I sit today, I believe that how we were taught was completely wrong…

In school we were taught not to fail, it was not an option. We had to ensure that we did very little thing correctly to obtain the pass mark. Memorising facts, dates, formulas, scripts of information that was deemed necessary for us to know. To enable us to be a functional workforce, to retain instruction and through this instruct be able to complete a certain layout of tasks… but what if this is not how we are supposed to learn?

Why is it that we actually retain the lessons of life better, once we have actually failed at it once or twice or more and learned from our mistakes?

This is by no means an instruction not to learn from other’s mistakes, but surely if we do not learn to fail ourselves – then, well then no-one can learn from us and we would not have anybody to learn from. However, it does not matter from which perspective we look at it, failures and mistakes are necessary in our own lives and in the lives of those around us… but how do we fail forward?

To be honest, this is a statement that has had me puzzled for quite a while during my own life and I have seen it around me in so many others as well… for the fear of failure has become greater than the failure itself and now we are told to fail forward?

Through failing we become failures… or is that been a lie as well?

How do we learn to fail forward?

How do we learn from our mistakes?

How do we put things into a perspective of retaining the lesson but not the hurt or baggage?

This is especially hard for a hard-headed individual like many others and myself included. And you will know who I am talking about when I say … the individual who knows within themselves that the path that has been laid before them is not the path for them, thus to the standard norm (whatever that may be) would consider it a failure to comply. There must be another way, as things just does not seem right; this is not how it is supposed to be. This is not the way “I” am supposed to go, “my” path is down another road.

In the past few years that I have dedicated my life to “self-studies”, I have interacted, researched and interviewed several of these “trouble makers”, these “outcasts” and purely found their similarities as a result of a deeper investigation of the truth behind their now seen success. Almost every person that was earmarked in my research of well know wealthy/successful individuals are those that went in some way or form on a different path to the norm. And no, I am not referring to the right path or the wrong path … I am talking about a different path, similar to the phrase form a poem referring to the two paths through a wood, and the author took the one least travelled… the unknown.

I am talking about following our own life-path… not just following the herd or the pack. To learn for ourselves and within ourselves our own capabilities, our own weaknesses, our own strengths, our own interest and dislike; for then and only then can we remove the proverbial splinter out of our own eye before we can take the stick out of another’s eye. For it is only once we have truly learned the lessons of how to handle and control our own perspective to the physical, mental and emotional impact on ourselves in regard to the situations and circumstance we find ourselves in, and how to step over these obstacles or even exclude them from our path completely. And this is where I remind myself of the statement Dr. John DeMartini made: “Obstacles in our lives are either in our way or on our way” and it is our perspective and response, not a reaction but the response to these obstacles that make the biggest differences in our lives….

If I could use two examples out of my own life:

  1. The first time I went ice-skating and I was knocked down by a professional speed skater – yes it was my mistake that created the situation. Looking back today, in hindsight, it was my humble response and my censer apologies for the situation that provided the flow of opportunities that followed from there and all the hours of joy….
  2. In contrast, it was the stubbornness’ of my will to fight the wrongdoings or mistakes that was done towards me, that lead to years of sorrow and pain… From victim mindset to the force of a beast looking for justice and correction – neither of these courses of action providing any ability to move forward.

Unfortunately to many of us, into many different situations, get stuck in example two and through this, we are enduring more suffering and pain than what was originally experienced. We blame ourselves, we blame others, we feel sorry for ourselves, we feel a rage within ourselves to execute our own form of judgement on others… It has the possibility to become a poison that can destroy our life.

BUT what should we do? Just accept it? Lay ourselves down to the mercy of our / their mistake?

At the end of the day, it should actually be both and neither… To truly be able to fail forward, in my perspective, is to balance the censer humble apology with the grace of forgiveness and the understanding from all perspectives of the situation, the mistake, the failure. For it is only in our relinquishing of our ego, in our ability to show mercy to others and in the compassion of taking the time and effort to imagine the failure/mistake from a different viewpoint… that we open ourselves to the true life-lessons on our path. It’s not always possible to maintain perfect balance and it is possible not to lose our temper from time to time, even master teachers had been recorded through history to losing it once or twice… however, our aim is to fail forward, to grow through the stumbles and falls to become a better being in this game of humanity called life…

For too many individuals in this category, the following words will ring true from their past: “You do not know better… You are being difficult for no reason … This is the way we have always done it …” and my personal favourite is “… stop making waves and stepping on toes…”! Branded as trouble makers, more often than not, these individuals have pushed aside and left as “outcasts” on the journey of life. And as in all things in life, this could have either a negative or a positive effect on the individual …or both, in which case their lives becomes a total extreme rollercoaster ride of emotions.

Thus, even if we have to place ourselves in a ‘time-out’ to just take a step back from everything and everybody to review, re-assess, re-align ourselves – then so be it. It is only once we look within ourselves, and understand our own connection between our consciousness, our physical, mental and emotional centres, and our connection with everything else … only then we are ready to master our own life and our perspective of the circumstances that avail in our lives!

May this perspective be a glimmer of light in your life and should you need some free resources to assist you -> click here

With Grace and Gratitude – One is always pleased to be of service to others!

Author:
Yvonne E. Venter-Louw
YEVL (Pty) Ltd. Director & Principal
Researcher, Advisor, Educator, Coach, Mentor and Speaker
Personal Thesis- The Psychological impact {and rehabilitation or reprogramming} of past experiences on daily driven decisions {from a financial view point}
[Cert. Financial Planning + GIBS M.L.O.L.P. + RE5 + Cert. Financial Coaching + Dip. Psychology + Hypnosis + NLP + Subliminal Therapy + Numerology + Energy Healing]
Naturally creating Freedom, Meaning & Wealth!

Guest Post: Cyber Insurance

Original Article via MoonStone.co.za

Cyber insurance – A first priority for SMEs

Late last year, Business Report shared that according to the global Cyber Exposure Index, South Africa currently has the sixth highest average exposure to cybercrime, with businesses in the industrial and financial sectors being the most commonly targeted by cybercrime attacks.

Another similar report revealed that around 61 percent of small businesses experienced a cyber-attack in 2017.

It is reported that cyber-criminals target SMEs that hold valuable business data, such as personal customer or financial information. These small businesses often do not implement the stringent online security measures that large corporates have in place.

Santho Mohapeloa, Digital Distribution Specialist at SHA Specialist Underwriters is referenced in the article. He stresses the importance for SMEs to have adequate cover in place to help their business recover swiftly from cyber-attacks.

Editor’s note: Although cyber insurance can be seen as business opportunity for financial advisors, FSPs as SMEs should also put actions and systems in place to reduce their risk of falling victim to a cyber-attack.

Click here to read the Business Report article.

Guest Post: Behavioural Science leads to better returns

Original Article via MoonStone.co.za

Behavioural science leads to better returns

Financial Planner of the Year shares tips – Behavioural science leads to better returns

In a recent Business Report article, Janet Hugo Financial Planner of the Year, shares how behavioural finance can be used in an efficient and practical manner in the wealth-management process.

According to Hugo one of the easiest ways to incorporate investor psychology into financial planning is to apply goal-based investing, which involves creating specific goals with defined time horizons and selecting investments with the correct asset allocation for each goal. She shares that it works very well for pre-retirement clients who are accumulating wealth, as well as for post-retirement clients who need income from their capital.

She also uses behavioural finance in the wealth-management process to create an awareness of emotional biases that affect investment decisions.

Scenario playing is another excellent way to include behavioural finance in the financial planning process.

Click here to read the article.

Guest Post – Meaning: Loners tend to be more intellectual and loyal friends

Original Article: I Heart Intelligence.com

There is a big difference between someone who is a loner-by-choice and a socially rejected person. Contrary to what most people think, being a loner is neither good nor bad.

Loners tend to be individuals who enjoy spending time alone as much, or more so, than they do with their friends (yes, loners do have friends).

Loners Tend To Be More Intellectual and Loyal Friends.
They have a low need for peer acceptance and affiliation and engage with the world in different ways than others by focusing on their own ideas and being stimulated by solitude, as constant social interactions tend to drain them.

Loners generally have a small circle of close friends and have higher standards for their friendship and trust.

They enjoy spending time with their friends but do not depend on and attach to them like others, though they are highly loyal. Loners are generally more intellectual than others, using their time to enjoy and study anything and everything that interests them. Funny enough, both introverts and extroverts can be loners.

A lot of loners make conscious decisions to spend time away from the big social groups mainly because they understand it’s better to be on their own rather than being ‘used up’ by fake friends.

They recognise that they may have a lot of friends, but don’t see everyone as a ‘best friend‘ except for those who really resonate with them, those who know all their negative points and still prefer being with them. In this overtly ‘social’ world,  these friends are hard to find and often if they aren’t found easily, loners don’t settle for anybody and everybody for the sake of it, often being a loner is a better option!

Contrary to popular belief, not all loners have a pathological fear of social contact. “Some people simply have a low need for affiliation,” says Jonathan Cheek, a psychologist at Wellesley College. “There’s a big subdivision between the loner-by-preference and the enforced loner. Those who choose the living room over the ballroom may have inherited their temperament,” Cheek says. “Or a penchant for solitude could reflect a mix of innate tendencies and experiences such as not having many friends as a child or growing up in a family that values privacy.”

There are unhealthy cases of the lonely loners.

The lonely introverts’ camp closely borders the land of the socially anxious. Some people, for example, can “pathologically shy” or have bad experiences as children, which likely lays the groundwork for very quiet lifestyles. Those who remain “enforced loners” long to spend time with people, but shyness and anxiety inhibit them from doing so and they become introverts who tend to be alone, they may deep down prefer to be around other people, but because of their shyness, it’s difficult for them to join groups and make friends.

Such loners have several stress-inducing strikes against them: They may get butterflies whenever they have to face in-person encounters, and they are subject to outside pressure to be sociable. When major life problems crop up, loners are also less likely to seek out social support.

John Cacioppo, a psychologist at the University of Chicago, has highlighted social isolation as a health-risk factor on par with obesity and smoking. “Loneliness is like hunger and thirst—a signal to help your genes survive,” Cacioppo says. “When you’re lonely, there’s a stress response in your body, and it’s not healthy to sustain that for a long time.”

But though the term ‘loner’ tends to be pitied and and somewhat feared in our up-with-people culture. The introvert or loner can really reap secret joys from the solitary life and actually have a freer and less stressful experience that can lead to creativity, growth, learning and exceptionally deep and fulfilling relationships with those they choose to bless with their time.

Besides doesn’t it take all types to make up the world? It’s not always the quiet ones you have to be wary of, I promise!

Do you prefer to spend time with yourself rather than others?

Share your stories with us…

Author:

  

Financial Independence Coach Show Ep2: How do we Naturally create Freedom, Meaning and Wealth?

Daune Elgin has been quoted in saying: “Simplicity of living means meeting life face to face. It means confronting life clearly, without unnecessary distractions. It means being direct and honest in relationships of all kinds. It means taking life as it is …”

Hazel Henderson stated that … don’t wait for anyone to deputize you or authorize you or empower you. You have to just start with yourself … and put one foot in front of the other.

Rupert Sheldrake said that basically morphic fields are fields of habit and they’ve been set up through a habit of thought, through habits of activity and through habits of speech. Most of our culture is habitual… hence the freedom we want is created daily through our daily habitual activities. Should our activities, thoughts, speech constantly be negatively influenced and we ourselves keep repeating this negativity… we will never be able to create the order needed for freedom to exist.

Want to know what this all has to do with budgets, financial literacy and financial independence … watch the in-studio recording, raw sample.

Read moreFinancial Independence Coach Show Ep2: How do we Naturally create Freedom, Meaning and Wealth?

S.A. Quote: Age

What use is a disappointed mind in the body which may fleetingly look like a thirty-something?

Clem Sunter (Businessman, Scenario Stratepist)

It really does not matter what our physical age is; because if our minds are acting and reacting on an age level below our shoe size or, older than the number of times the Earth revolves around the Sun in a year …

Read moreS.A. Quote: Age

S.A. Quotes: Advertising

There isn’t an editor in the world who isn’t aware every minute of the day that he needs advertising like a drowning man needs air.

– Marilyn Hattingh (Editor)

In much the same way every business owner should realise the meaning of these words. I am not saying rush out and get yourselves advertised on some sort of media platform, but realise that every moment of every day something or somebody should inform the general public of your existence, products, services and above all else the quality of your work.

There have been times when business owners have taken this realisation for granted and as result, it affected their bottom line in ways they could not explain…

There are a multitude of different ways to advertise your business, some more effective than others – but ultimately ensure that your advertising is working 24/7/366

For more information, have a look at our Products, Services and Free Resources

Alternatively, contact us directly -> Click Here

With gratitude,

Yvonne E. Venter-Louw

 

S.A. Quote: Decisions

“To make decisions without thought is like participating in a steeplechase with bandaged eyes.”

Jack Penn (Surgeon, Philosopher, Artist)

Would it surprise you to know that approximately only 3% of the global population do actually do proper planning? Making decisions without thinking about it properly.  Impulsive and uncalculated decisions. Almost just living on instinct…

I do not just mean financial planning, but life planning in general…

Disagree? Okay, let me ask you the following questions:

  1. Do you have a goal, vision, mission, purpose for your life written down? A legacy you wish to leave behind? A dream life you want to achieve?
  2. Do you have a clearly written out list of top three (3) goals for the next 369 days? Not just in the form of business planning but personal planning.
  3. Do you have a clearly written out plan/strategy to achieve these goals within the next 369 days?
  4.  Have you done any research, recording of data, data tracking and analysis in accordance with the goals you want to achieve?
  5. Have you reflected and improved on previously gathered data to realistically plan or strategies your next week, month, quarter or year?
  6. Have you spent time inwardly reflecting on your choices, experiences, lessons learned and the reasons why it could have been prevented?

And with these questions, I am not referring to your list of new years resolutions that fell by the wayside somewhere between then and now…

I am talking about goals which are congruent to your true authentic natural self,  true to your values, true to your talents and skills…?

Would it surprise you to know that only the top 3% for Financial Independent Individuals that have perfected this to an art… only because they invested in themselves by working with coaches and mentors – following a basic outline formula?

Interested in more information, view our Products, Services and Free Resources.

Alternatively, if and only if you are ready to be unschooled, have an open mind and are willing to start your process of discovery and achievement of your own determined success … start here

Author:

Yvonne E. Venter-Louw

YEVL (Pty) Ltd. Director & Principal

Researcher, Advisor, Educator, Coach, Mentor and Speaker

– The Psychological impact  and rehabilitation of past experiences on daily driven Financial decisions

[Cert. Financial Planning + GIBS MLOLP  + RE5 + Cert. Financial Coaching + Dip. Psychology + Hypnosis + NLP + Subliminal Therapy + Numerology + Energy Healing]

Naturally creating Freedom, Meaning & Wealth!

 

Guest Post: Five Fierce Ways to become the Ultimate Entrepreneur

What does the ultimate entrepreneur look like? The truth is that although we aspire to many of our role models, success is personal. Here are five ways to find your own ‘ultimate’ success.

For some, the ultimate entrepreneur might be someone like Elon Musk — working non-stop, rich beyond measure, but with no balance in life.

For others it might simply be someone who has built a business that will sustain them; an entrepreneur who is successful but also prioritises other aspects of their life. Take a second. Think about it. What does it mean to you?

In my view the ultimate entrepreneur is focused, has copious amounts of positive energy, a supportive network, is mentally tough, has their priorities in order and has a steadfast idea towards which they are working.

Here are five ways to go about building yourself into the ultimate entrepreneur (or at least my version of one).

1. SEED YOUR DAY WITH ENERGY ENHANCERS

Your energy is your secret weapon. You should protect and enhance it at all costs. When I talk about energy I am referring to both physical and mental energy. There is an esoteric component to this as well, but we will leave that discussion for another day.

How can you enhance your physical energy? The simplest way is to get enough sleep, drink enough water, and clean up your diet. It really is as simple as that. Just get the basics right.

How can you enhance your mental energy? Remove friends and influences that drain you and replace them with a network of people who support you and can appreciate the level at which you are playing. I also suggest to my clients that they carry small symbols with them that can remind them of the goals they are working towards and other things that are important to them.

2. TRAIN FOR MENTAL TOUGHNESS

Mental toughness is the ability to pursue your goals with a positive attitude amidst the challenges and chaos of life. The most important thing I want you to know about mental toughness is that it is trained. This means that you must put in the effort and time to develop a stronger mentality.

The two important skills to train are:

  1. Self-awareness. In other words, becoming aware of the moment that you start latching on to negativity or succumbing to images of a future that might never come to pass.
  2. Creating a strong counter visualisation. This visualisation ideally contains emotionally-charged images of the big goal that you are working towards, the person that you are becoming, and the things that matter to you.

Mental toughness does not ignore the problem. It simply allows you to keep moving forward while you figure things out.

3. CREATE A SUPPORT NETWORK

It’s a great feeling when you finally find people who get it. They get what you are trying to build and the pressures and challenges you face. I’d love to tell you that such people are all around you, but the truth is that they aren’t. You must go looking for them. At events, on social media, at business forums, really wherever entrepreneurs congregate.

As with most things you need to realise the importance of time in building such a network. So, start sooner than later. One day you will wake up and realise that the people you once admired are now peers and form part of your network. It’s a great feeling. But start now.

3. ZOOM OUT

You are not your business. This is important and difficult for entrepreneurs to hear. Business is such a personal thing. Especially in the early days when you literally are your business. At some point however, you need to realise that you cannot let your business consume your life. It’s one component of your life, not its entirety.

So, make sure that you are looking after and making time for your health, your relationships, your energy levels, your creativity, and your hobbies.

4. IS IT ALL ABOUT THE MONEY?

This ties in to the previous point but also to a greater purpose. I get why money is such an important metric early on. We need it to survive, and to that end, focusing on creating more money in your business is a great goal. However, money always seems like an important thing to chase, until we have enough but are still found wanting for something more.

I think there is purpose in you just being alive, but I also believe that we create purpose with our intentions and actions. You might not currently know what a crafted purpose looks like, and that’s okay. I would encourage you to consider what your life (and business) looks like in the bigger context of serving others.

The ultimate entrepreneur is an ideal that you must create for yourself. Don’t copy the greats. Build your own version 2.0 and make it damn good.

Author:

Erik Kruger

Source: 

Entrepreneur Magazine

Meaning: Our Judgement of Others

When you meet a man, you judge him by his clothes; when you leave, you judge him by his heart…

This is a Russian Proverb that had me thinking… How many times in life have we looked at others and judge the way they live or even envied their lifestyle?

But … is that which we are seeing really the lifestyle you would want? Is that lifestyle really so glamorous and without care? Or is it a case of abundance in one part of their life and lack in another?

We should rather take the time to investigate and question the individual directly before judging. 99% of the time our perceptions and judgements are completely incorrect. I have met and worked with millionaires, that has not brought themselves a new outfit or vehicle for the past ten years. In the same breath, I have also met and worked with individuals on the verge of bankruptcy that were driving the latest model of their favourite brand vehicle and wore only the latest fashion trends … but in all cases, the story behind the perspective or is not always a story of a true heart, but rather a lost and wounded soul.

Thus – a word to the wise … don’t judge any book by its cover. The pages might be torn and the cover might be tattered … but the story from cover to cover might just stun your mind and make your soul bleed. Whereas the latest release, still on the shelve neatly sealed in the bookstore … is not worth a second read.

For that matter, do we want to be judge on others perspective of us, instead of the true, naturally authentic individual inside … Just think about it

To our continued success,

Yvonne E. Venter-Louw

 

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