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2/11/2017 WWW.ABOVEORBEYONDJM.COM 1
Dr. Leahcim Semaj
Intl. Keynote & Motivational Speaker
Above or Beyond
876-383-5627
WWW.ABOVEORBEYONDJM.COM 32/11/2017
JSIF - Poverty Reduction Programme
PERSONAL DEVELOPMENT WORKSHOP
2016/2017 COHORT OF TERTIARY SCHOLARS
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Components
Self-Identity◦ Developing self-esteem and self confidence
◦ Managing social and cultural influences
◦ Self-actualization
Managing Personal Finances◦ Developing a savings plan
◦ Budgeting
◦ Credit education
Networking for Success
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Self-Identity
Developing self-esteem and self
confidence
Managing social and cultural influences
Self-actualization 2/11/2017www.AboveorBeyondJM.COM6
SELF ESTEEM
Definitions
What is self-esteem.
What self-esteem is not.
Factors that influence's
one’s self-esteem.
What is self esteem made
of?
Development of self
esteem.
Importance of self esteem.
Effects of self-esteem.
Some tips on building a
positive and improving your
self esteem
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DEFINITIONS
• Self-concept:
• Picture or perception of ourselves/ a person's mental
model of his or her abilities and attributes.
• Self Efficacy:
• The set of beliefs that one can perform adequately in
a particular situation
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• Self-ideal: The way we would like to be.
• Self-actualization A concept in personality psychology
referring to a person's constant striving to realize his or
her potential and to develop inherent talents and
capabilities.
• Self-awareness The top level of consciousness;
cognizance of the autobiographical character of
personally experienced events.
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What is self-esteem?
Self Esteem:
Feelings we have about ourselves.
a realistic respect for or favorable impression of one self;
Self respect.
It is feeling good about yourself, Putting a high value
on your worth, Thinking or thoughts in your head
about your self and it Is different depending on
circumstances and relationships.
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 Self-esteem refers to the way we see and think about ourselves
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self-
esteem
the evaluation of one’s
success in meeting set goals.
The gap between how you see
yourself now and your ideal
self.
A strong and deeply-felt belief
that you as a person have
value in the world.
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self esteem
The way we see and think about ourselves
Your opinion of yourself.
High self esteem is a good opinion of yourself
and
low self esteem is a bad opinion of yourself.
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What Self-Esteem Is Not
1. Self Esteem is NOT dependent upon what other
people think of you
2. Self Esteem is not egotism, arrogance,
narcissism/selfishness, or a desire to feel superior
to others
3. Self Esteem is not temporary euphoria
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Factors that influence self-esteem.
Family
Peers, Friends
Media
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Factors that influence one’s self-esteem.
Do others respect what you do? Do you?
Do you believe you are successful?
How do you see yourself?
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Cont…
How do you feel about your strengths and
weaknesses?
What do you think of your social status?
How do you relate to others?
Can you make your own decisions?
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Self-esteem…what is it made of?
Your self-esteem is made up of all the
experiences and interpersonal relationships
you’ve had in your life.
Everyone you’ve ever met has added to or taken
away from how you see yourself.
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Development of self-esteem.
A person develops his/her self esteem
throughout the life through experiences.
In this regard childhood experiences play
an important role in shaping self esteem.
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Factors that contribute to
high or low self esteem
HIGH SELF-ESTEEM.
If you are being praised
If you are listened to
If you are being spoken to
respectfully
If you are getting attention
Experiencing success
Having trust worthy friends
LOW SELF-ESTEEM.
Experiencing Continuous
Failure
Being expected to perfect all the
time
Being Ignored or made fun of
Having physical or emotional
punishment
Being criticized
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Importance of self-esteem.
Self-esteem is important because it is associated with feelings like;
◦Confidence
◦Pleasure
◦Sense of Optimism
◦Happiness
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Self-esteem importance cont…
Having a healthy self – esteem creates confidence, self-reliance,
and overall happiness in an individual.
Self esteem increases your confidence.
If you have confidence you will respect yourself and then you can
respect others, improve your relationships and become happier
This is not a selfish goal as you will contribute more and share
yourself with the world and those around you.
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Importance of self-esteem cont…
Low esteem causes depression, unhappiness,
insecurity and low confidence.
Other's desires may take preference over yours.
Inner criticism that nagging voice of disapproval
inside you, causes you to stumble at every challenge
and challenges seem impossible
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Advantages of a good self-esteem.
Good
Self
Esteem
Leader
to
others
Accept
failure
Doesn’t
submit
to
peer
pressure
Is not
a threat
to others
Believes
in
self
Willing
to try
new things
Appreciate
life
Change
the bad
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Effects of high self-esteem.
They don’t worry about how others will judge them.
They have the courage to express themselves.
Their lives are enriched with each new encounter.
They are nicer to be around.
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Effects of high self-esteem cont…
Their ideas are met with interest because others
want to hear what they have to say.
They are magnets to positive opportunities!
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Effects of low self-esteem.
People with low self-esteem possess
following characteristics:
-They don’t believe in themselves.
-They see themselves failing before they begin.
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Effects of low self-esteem cont…
They have a hard time forgiving
their mistakes and make themselves
pay the price forever.
-They believe they can never be as
good as they should be or as others.
-They are afraid to show their
creativity because they will be
ridiculed.
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Effects of low self-esteem cont…
They are dissatisfied with their lives.
-They spend most of their time alone.
-They complain and criticize.
-They worry about everything and do nothing.
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Self-Confident Low Self-Confidence
Doing what you believe to be right, even if
others mock or criticize you for it.
Governing your behavior based on what other
people think.
Being willing to take risks and go the extra
mile to achieve better things.
Staying in your comfort zone, fearing failure,
and so avoid taking risks.
Admitting your mistakes, and learning from
them.
Working hard to cover up mistakes and hoping
that you can fix the problem before anyone
notices.
Waiting for others to congratulate you on your
accomplishments.
Extolling your own virtues as often as possible
to as many people as possible.
Accepting compliments graciously. “Thanks, I
really worked hard on that prospectus. I’m
pleased you recognize my efforts.”
Dismissing compliments offhandedly. “Oh that
prospectus was nothing really, anyone could
have done it.”
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7 steps to developing self-confidence
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More tips on building your self-esteem.
 Learn to be more assertive and not feel guilty about saying no
 Think positively
 Believe on your self
 Make plans for the future .Set and achieve goals
 Do something challenging each day
 Look your best
 Eat correctly
 Do something for someone else
 Learn a new skill
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Tips on building your self-esteem cont…
 Handle things one at a time
 Use criticism constructively
 Ask for help – take advantage of learning opportunities
 Allow personal growth time each day
 Do not say negative things about yourself
 Reward yourself often
 List your accomplishments each evening
 Volunteer to share your skills with others
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How to improve your self-esteem.
Choose friends who value and respect you.
Focus on positive aspects about yourself.
Replace negative self-talk with supportive self-talk.
Act in accordance with your values.
Work toward accomplishments rather than perfection.
Consider your mistakes learning opportunities.
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How to improve self-esteem cont…
Try new activities to discover your talents.
Write down your goals and the steps you will take to
achieve them.
Exercise regularly to feel more energized.
Volunteer to help someone.
Accept the things you can’t change, and focus your
energy on changing the things you can.
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Remove Negative Thoughts !
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Like Yourself !!
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How to improve Self Confidence
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Self Actualization
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Managing Personal Finances
Developing a savings plan
Budgeting
Credit education
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THE 10 IMMUTABLE LAWS
of MONEY MANAGEMENT
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MYTHS AND FACTS
ABOUT MONEY
 1. MONEY CAN’T BUY
HAPPINESS
 TRUE
 Happiness is meaning,
money can’t buy meaning
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MYTHS AND FACTS
ABOUT MONEY
 2. THE LOVE OF MONEY
IS THE ROOT OF ALL EVIL
 FALSE
 The root of all evil is craving
and obsession
 Whatever you crave for
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MORE MYTHS AND FACTS
ABOUT MONEY
 3. MONEY MAKES THE
WORLD GO ROUND
 TRUE
 But desire really makes the
world go round
 money is just desire’s way of
organizing itself
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MYTHS AND FACTS
ABOUT MONEY
 4. MONEY CAN’T BUY
LOVE
 TRUE
 It can buy some kinds of
love
 But not a certain kind
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MORE MYTHS AND FACTS
ABOUT MONEY
 5. TOO MUCH MONEY
EASILY GOTTEN
SPOILS YOU
 TRUE
 Everything in life has a law of
payment
 You have to work for things in
order for them to work for you
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MYTHS AND FACTS
ABOUT MONEY
 6. A FOOL AND HIS MONEY
ARE SOON PARTED
 TRUE
 But a fool also hoards his money
 Fools behave foolishly about
everything, including money
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MORE MYTHS AND FACTS
ABOUT MONEY
 7. A GOOD REPUTATION IS
MORE VALUABLE THAN
MONEY
 FALSE and TRUE
 Not today, when reputation can be
created
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MYTHS AND FACTS
ABOUT MONEY
 8. GREED IS GOOD
 FALSE AND TRUE
 By definition greed is
uncontrolled craving, this is not
good
 But you need a certain amount
of “greed” to succeed in
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MORE MYTHS AND FACTS
ABOUT MONEY
9. ALL MEN( and WOMEN)
HAVE THEIR PRICE
 TRUE
 Few men have no price, but this is
usually with some inner moral
things
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MORE MYTHS AND FACTS
ABOUT MONEY
 10. I’VE BEEN POOR AND I’VE
BEEN RICH
 RICH IS BETTER
 TRUE
This saying is a great antidote to
hypocrisy
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Do You Know How Money Really Works?
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1. You Must Obey The L.E.S.I. Model
Learn Something
Earn Something
Save Something
Invest in Something
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The Results
Learn new
skills every
5 years
Change career
every 10 years
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2. THE BEST MODEL FOR SAVING
 BEGIN AT 25
 SAVE $500/MTh
 rate - 14% pa
 STOP AT 34
 CONTRIBUTIONS
 $60,000
 Is this the best model?
 BEGIN AT 35
 SAVE $500/MTh
 rate - 14% pa
 STOP AT 65
 CONTRIBUTIONS
 $186,000
 Is this the best
model?
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THE VALUE OF SAVINGS
SUM AT 65
$6,005,871
SUM AT 65
$2,166,19
6
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HOW MONEY WORKS
 YEAR TOTAL
 1 $6,000
 5 $52,310
 10 $117,877
 20 $436,997
 30
$1,620,046
 40
$6,005,871
 YEAR TOTAL
 0
 0
 1 $6,000
 10 $117,877
 20 $553,021
 30
$2,166,196
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The miracle of compound interest
 This is a concept best illustrated by
example
 Let's say I give you a penny today
 and promise to double the amount
every day for a month
 How much money would I be
giving you on the 31st day?
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The Answer:
$10.7 million
Check it out:
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It all adds up
 Day 1 $0.01
 Day 2 $0.02
 Day 3 $0.04
 Day 4 $0.08
 Day 5 $0.16
 Day 6 $0.32
 Day 7 $0.64
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It all adds up
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 Day 8 $1.28
 Day 9 $2.56
 Day 10 $5.12
 Day 11 $10.24
 Day 12 $20.48
 Day 13 $40.96
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It all adds up
 Day 14 $81.92
 Day 15 $163.84
 Day 16 $327.68
 Day 17 $655.36
 Day 18 $1,310.72
 Day 19 $2,621.44
 Day 20 $5,242.88
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It all adds up
 Day 21 $10,485.76
 Day 22 $20,971.52
 Day 23 $41,943.04
 Day 24 $83,886.08
 Day 25 $167,772.16
 Day 26 $335,544.32
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It all adds up
 Day 27 $671,088.64
 Day 28 $1,342,177.28
 Day 29 $2,684,354.56
 Day 30 $5,368,709.12
 Day 31 $10,737,418.24
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You Create Your Future
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Each Day
 the "interest" paid you the
previous day earns more interest
 At the beginning
 the amounts are nominal
 but by the end we're talking big
bucks
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The Debt Trap
 This also illustrates how debts can quickly balloon
out of control
 If you're paying interest, rather than incurring it,
 and you're not diligent about paying off the finance
charges in full every month,
 the unpaid amount will incur additional interest charges,
 increasing the total amount that you owe
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The Debt Trap
 This is why so many families who
incur credit card debt eventually
find themselves in trouble
 as the amounts they owe explode
past their ability to pay
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The 60% Solution
 The real secret to building a budget
that really works isn't tracking what
you spend
 any more than counting calories is the
secret to losing weight.
 The key is creating a sustainable
structure for your finances
 One that balances spending and
income
 that leaves enough room to handle
the unexpected
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The 60% Solution
 By limiting all your essential spending to
60% of total income, your savings will soar
 that means everything from house payments
 to clothing to insurance and taxes
 The remaining 40% goes to cover
 Retirement
 long-term savings
 irregular but predictable expenditures such as
vacations
 fun money for movies and entertainment.
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The 60% Solution
 Committed expenses: 60%
 Taxes of all kinds, basic living expenses
 insurance, charity and regular bills
 Irregular expenses: 10%
 Vacations, major repair bills, new appliances, etc
 Long-term saving/debt: 10%
 Money set aside for car purchases,
 major home fix-ups, or to pay down substantial debt loads.
 Retirement: 10%
 Minimum, 10% of your gross income
 Fun money: 10%
 Everybody needs a little fun money
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SAVE WHILE YOU SPEND
Join a credit union
Deposit money
Borrow from yourself
Pay back yourself
Life insurance
included
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Saving $50 Per Day
The Half Patty Plan
 Your monthly deposit of $ 1000
 For 40 years
 Interest rate of 10%
 Compounded monthly
 10 years
$207,552.02
 20 years
$766,696.91
 30 years
$2,280,325.32
 40 years
$6,377,780.24
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What’s Wrong With Partners?
No interest
No collateral
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WHAT’S THE ALTERNATIVE
An investment
club
Make loans
to members
only within shares
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3. AVOID USING CASH
Deposit salary check
Use a check to pay bills
Cash evaporates
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4. USE FREE CREDIT
 Thirty to 56 days available
 Expand your resources
 Respond to emergencies
 Get at least one credit card
 Pay bill in full (beware interest)
 Pay by due date
(Just like you did at the corner shop)
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5. GET A ROOF OVER YOUR HEAD
The NHT Options
Start small
Be willing to share
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This data was last updated on the NHT’s website in the year of
2010. However, it still applies to the current year (2017).
The present data will continue to remain until further
updated by the NHT.
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Who qualifies for a loan?
 You must be currently contributing to the Trust.
 Have made at least 52 weekly contributions of which 13 must have been made in
the last 26 weeks just before the date of your application.
 Have paid up, with interest, any outstanding contributions due in the last 3 years.
 Exceptions are Voluntary Contributors or persons earning less than $7,500 per
week who are only required to pay up contributions for 1 year.
 Be between the ages 18 and 65.
 Be earning an income which allows you to repay the loan.
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NHT Interest Rates 2017
INTEREST RATES (%)
INCOME BAND
(WEEKLY)
Disabled Persons
(New) Mortgagors 55
years & older and
contributing for a
minimum of 10 years
Public Sector
Workers
All Other
Contributors
Minimum wage -
$12,000.99
0% 0% 0% 0%
$12,001 - $20,000.99 0% 0% 1% 2%
$20,001 - $30,000.99 - 2% 2% 3% 4%
$30,001 & over 4% 4% 5% 6%
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Interest Rates (Cont.)
 The special rate for new mortgagors 55 years and older apply to those
contributing for a minimum of ten (10) years.
 The interest rate for Solar Water Heater loans remains at 3%.
 New applicants employed to the public sector will continue to enjoy the
1% interest reduction that had been granted to them in 2010 while also
benefitting from the new rate concession introduced in November 2015.
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Loan Limits (2017)
Loan Type One Applicant With co-applicant (s)
Scheme House $5.5 Million $11 Million ***
Serviced Lot $2.5 Million $5 Million
Open Market $5.5 Million $11 Million
House Lot $2 Million $4 Million
Cluster Housing
*conditions apply
$1.5 Million $3 Million
BOL $5.5 Million $11 Million ***
Construction Funds $5.5 Million minus previous loan ***
Home Improvement Homeowners - $1.5 Million
Non-homeowners- $4.5 Million
Homeowners - $3 Million
Fifteen (15) Plus $1.5 Million $3 Million
Solar Water Heater $250,000
Solar Panel $1.2 Million $2.4 Million2/11/2017 www.ABOVEorBEYONDJM.COM 98
NHT Loan Options
TYPES ONE APPLICANT WITH CO- APPLICANTS
 Build on Own Land $5.5 Million $11 Million
 Open Market $5.5 Million $11 Million
 Construction Funds $5.5 Million(minus previous loan)
 NHT Scheme House $5.5 Million $11 Million
 NHT Serviced Lot $2.5 Million $5 Million
 House Lot Loan $2 Million $4 Million
 HOPE Loan $1 mil $2 mil
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Who qualifies for a loan?
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 you must:
 Be currently contributing to the Trust.
 Have made at least 52 weekly contributions
 3 must have been made in the last 26 weeks just before
the date of your application.
 Have paid up, with interest, any outstanding
contributions due in the last 3 years.
 Exceptions are Voluntary Contributors or persons earning
less than $7,500 per week
 who are only required to pay up contributions for 1 year.
 Be between the ages 18 and 65.
 Be earning income which allows you to repay loan.
NHT Interest Rates
INTEREST RATES (%)
INCOME BAND
(WEEKLY)
Able-bodied
Persons
(New) Mortgagors
55 years & older
Public Sector
Workers
Minimum wage -
$7,500.99
1 1 0
$7,501 - $10,000.99 3 1 2
$10,001 - $20,000.99 5 3 4
$20,001 & over 7 5 6
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6. Are you ready for
LIFE AFTER DEATH?
Who will bury you?
Who will feed, cloth,
shelter and educate
your children?
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THE 6% SOLUTION
Buy what you can
afford
Prepare for transfer tax
If you do not love
anybody you do not
need insurance
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7. UNDERSTANDING
THE MONEY MARKET
SOURCES
 TREASURY BILLS
 LRS
 COMMERCIAL PAPER
OPTIONS
 Jamaica Money
Market Brokers
 Barita
 Scotia BDG
2/11/2017104 www.ABOVEorBEYONDJM.COM
8. UNIT TRUSTS WORK
 A chance to bet on
all the horses in the
race
 COMPONENTS
 Real Estate
 Money Market
 Stocks
OPTIONS
 Scotia DB&G
 Barita
 Sigma
be careful to
 Move funds to
Money Market if
trend starts down
2/11/2017105 www.ABOVEorBEYONDJM.COM
9. BUYING STOCKS
REASONS
 Best edge against
inflation in the long run
 5 to 10 years
 Don’t just watch
Dividends
OPTIONS
 Get to know a
broker
 Evaluate public
offers
2/11/2017106 www.ABOVEorBEYONDJM.COM
10. HAVE IT YOUR WAY
 IF YOU LOVE THE ONES
YOU LEAVE BEHIND,
MAKE A WILL
 Simple form (Insurance
Agent)
 Lawyer
 Trust Company
2/11/2017 107www.ABOVEorBEYONDJM.COM
THE 10 IMMUTABLE LAWS
 1. LEARN, EARN, SAVE,
INVEST MODEL
 2. SAVE EARLY & REGULAR
 JOIN CREDIT UNION
 3. AVOID USING CASH
 4. USE FREE CREDIT
 5. BUILD OR BUY A HOUSE
EARLY
 6. GET INSURANCE
 7. OPEN A MONEY MARKET
ACCOUNT
 8. INVEST IN UNIT TRUST
 9. INVEST IN THE STOCK
MARKET
 10. MAKE A WILL
2/11/2017108 www.ABOVEorBEYONDJM.COM
NETWORKING FOR SUCCESS
2/11/2017www.ABOVEorBEYONDJM.COM109
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 110
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 111
WHY IS IT IMPORTANT?
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 112
What is Networking?
Why is it important to anyone who wants to succeed
Critical to personal, career and business development
Successful persons create and nurture a network of
contacts
Your income can grow only to the extent that you grow
I create my life versus what happens to me
2/11/2017 113www.SlideShare.net/LeahcimSemaj2013
What is Networking?
Essentially, networking is getting to know
people who can help you develop your career,
business or personal prospects .
You don't need to be a big shot or the most
outgoing person in the world to network
effectively.
Its simply connecting with people
2/11/2017 114www.SlideShare.net/LeahcimSemaj2013
One simple rule
 “It takes only a moment’s conscious decision
to become a networker, with no interference
to one’s daily routine.
 All it requires is a slight shift in attitude, and
adopting one simple rule:
 Greet each new acquaintance with an
openness to learn more about that person, a
willingness to help, and an offer to stay in
touch.”
[Buzzy Gordon - http://entrepreneurs.about.com]
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 115
How big is your network?
People you
have known
in the past
People you
know now
People you
will know in
the future
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 116
Dunbar’s number
 150 = the maximum number
of people with whom we can
maintain relationships
 Hypothesis by primatologist Robin
Dunbar that 150 is the maximum
number of social interactions you
can manage
 It is the number at which groups
start to break down
 The number is higher or lower
across different species of social
primates
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 117
What are the benefits of
networking?
 A lot of good jobs never make it to the pages of a recruitment website
or newspaper.
 They get filled by word of mouth and the more senior the position, the
more often it happens this way.
 Even if the job is advertised, it helps to know someone inside the
new organisation who can give you the inside line.
 They may even end up interviewing you which will always make it a less
stressful experience
2/11/2017 118www.SlideShare.net/LeahcimSemaj2013
What are the benefits of
networking?
 Access to their rolodex
 Ability to genuinely helps others
 Inability to network can hinder your performance on the
job, in business and in personal life
 In the end business is conducted through personal
relationships
 Cannot focus only on financial aspect
2/11/2017 119www.SlideShare.net/LeahcimSemaj2013
Operational
• People who can help you
get your work done
• Often internal & current-
focused
Personal
• People who can help you
grow personally &
professionally
• Usually external & share
common interests
Strategic
• People who can help you
shape your future goals &
direction
• May be internal or external
& are future-oriented
3 reasons for networking
How Leaders Create and Use Networks
by Herminia Ibarra and Mark Hunter HBR Jan. 2007
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 120
Networking vs. Relationship Building
 The word “networking” is commonly used to
describe the process of cultivating business
relationships.
 There’s nothing inherently wrong with
networking, but it often has the connotation of
being manipulative and self-serving.
 Should we shy away from it?
 No matter how good your service or product is you
are in the people business
2/11/2017 121www.SlideShare.net/LeahcimSemaj2013
Not all network contacts are equal
Networks contain a small number of
people that have proportionately more
influence over the network than others
This 5-10% of individuals, called
critical connectors by organisational
anthropologist Karen Stephenson,
occupy specific places within networks
Ref: http://goo.gl/mWXgA
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 122
Hubs, Gate-keepers & Pulse-takers
Hubs are directly
connected to many
people and, as a result,
have the ability to
disseminate
information quickly
Gatekeepers stand
at the intersection
between parts of the
organisation, or areas
of expertise
Pulse-takers are the
covert influencers
within networks who
are often more
knowing than
known, and they
connect with others
strategically
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 123
Your networking plan
Map your
network
Identify
your critical
connections
Engage and
add value
Develop &
grow your
network
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 124
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 125
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 126
RICH BELLIS 07.15.16 5:00 AM
won’t work at another.
Just as your skills should evolve, so
should your network.
Your career isn’t static—
 In order to get ahead, some things have to change.
 Your skills should evolve, and you should check periodically
to make sure they’re keeping you competitive.
 Even the way you use social media to find jobs and get your
name out there should also change over time.
But what about people?
We often think of our professional network as a continuously
expanding thing.
Meet someone new, add them to the list.
The list gets longer, your opportunities get ever wider.
It may not be that simple, though.
Just as we discard some skills in order to pick up others,
it’s smart to focus on different types of people who can offer you
the most support depending on where you find yourself.
at each stage of your working life.
FAMILY CONNECTIONS AND
ALUMNI GROUPS
When you’re just starting out
New grads have found for
generations, that family
connections and alumni groups
are still your best bet.
The alumni network is powerful,
 In this day and age when people are so
super-connected,
alumni are more likely to lend a hand to a
new grad in need than they might’ve been
previously.
It’s like your whole university becomes
your fraternity.
School contacts can be especially useful at
the graduate level
When those people finally enter the
workforce,
they usually find the colleagues they’ve made
at the graduate level to be their strongest
professional resources.
A PROFESSIONAL RECRUITER
AND A FORMER BOSS
The Changing View of Recruiters
Recruiters used to be just for executive-level
people and people in temporary jobs
The stigma associated with headhunters is
beginning to dissipate as younger workers
begin reaching out for professional help.
The reason
when you’re at an associate level, you’re really
looking for that next step
It’s really a numbers game—all those people are
looking to move into that junior-manager role
fewer factors may set them apart as there are
among candidates for senior-level positions.
depends on where you want to
go next.
Looking for a new employer?
Then a manager that you’ve
previously worked for who’s
moved onto another company can
be a great person to stay
connected to.
Prefer to stay put?
A senior person within your own
organization who can serve as a
mentor or advocate for you to
start moving up is your best bet.
The key, in either case,
Use those first few years to build
relationships with people one or
two levels your senior.
Can we take a picture?
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 143
THE NUTS AND BOLTS
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 144
Many Options
 Old school, college or university classmates, alumni
 Family members and their friends
 Professional organisations
 Trade organisations
 Professionals -doctor, lawyer or accountant, etc.
 Club members or anyone else you meet socially
 Civic and charitable organisations
 Faith based organisations
 Professors, advisers, coaches
 Former or present work colleagues or bosses
 Pick up a sport – golf, tennis, sailing, shooting
2/11/2017 145www.SlideShare.net/LeahcimSemaj2013
How to decide what to do and where?
 What are you interested in?
 What’s your passion?
 What inspires you?
 Shared beliefs, experiences – child with special needs, same
faith, giving back (ability to do more with others)
 Only works if you do the work – get to know people, work
on projects, deliver
2/11/2017 146www.SlideShare.net/LeahcimSemaj2013
Build Relationships in Diverse Ways
 The world has gotten quite complex – Facebook, Linkedin, etc.
 Remember the 6-degrees-of-separation principle.
 Go to reunions
 Join your alumni
 Simply provide good service
 Go after the # 2 person to reach a power broker
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 147
 Don't ask directly for a job - networking is not a job fair; it's an
opportunity to gather potentially useful information.
 Give and take - networking is a two-way exchange, there's no such thing
as a free lunch.
 Do the groundwork - research your contacts before meeting them and
always follow up good leads or pass them on.
 Think laterally – try to expand your network outwards, beyond your
comfort zone or usual sphere of operation.
 Patience is a virtue – getting involved in networking is being in there for
the long haul; don't expect to land a plum job at your first meeting.
2/11/2017 148www.SlideShare.net/LeahcimSemaj2013
 How you do anything is how you do everything
 Be a class act
 Be impeccable in your words
 When in doubt check
 Practice uncommon appreciation
 Better to say no than to break your word
 Give more to get more without immediate benefit
 Find a way to serve – Webinar, Blog, Newsletter
2/11/2017 149www.SlideShare.net/LeahcimSemaj2013
Can we take a picture
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 150
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 151
A NETWORKING EVENT
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 152
Planning effectively for a networking event
3 Phases Pre-Event, The Event, Post Event
Pre-Event
- Why are you going,
- What do you want to accomplish
- Who will be there you want to see/meet?
- What’s the dress code? Can you comply?
- Am I current on what’s happening?
- Can I be of service?
- Be conversant in topics of interest to your target (sports, current
affairs, music, etc.)
2/11/2017 153www.SlideShare.net/LeahcimSemaj2013
At the Event
 - Be pleasant
 - Smile and make eye contact with others
 - Enter the room with confidence
 - When you start a conversation do not hold the person
captive , circulate
 - Pick out the wall flowers standing by themselves nursing
a drink and engage them
2/11/2017 154www.SlideShare.net/LeahcimSemaj2013
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 155
At the Event
 - Do not pass out your business cards like confetti
 - Ask someone for their card first
 - Focus on making a connection
 - Ask great question – not ‘What do you do?’
 - LISTEN
 Be helpful by playing host
 Focus on quality not quantity
 Promise to follow-up
2/11/2017 156www.SlideShare.net/LeahcimSemaj2013
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 157
Listen!!!
 Ask a question and wait to get an answer
 Do not interrupt! Its rude. It says what I have to say is more
important
 Don’t just wait to speak and formulate your thoughts
 Pay attention
 Put away the Smartphone
 Do not try to show –off with the on-up manship or womanship
 Make the other person feel important
 Don’t flaunt your accomplishments
 Become a master Listener and see your popularity soar!
2/11/2017 158www.SlideShare.net/LeahcimSemaj2013
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 159
Post Event
 Start building the relationships
 Do what you promised to do. E.g. Call, set a time to get
together right away. Do not delay.
 Review the notes you made, shared interest
 Determine how you can be of value
 Keep in touch in a consistent way
 Share - ideas, articles, tickets, products, lunch
 Nurture the relationship
2/11/2017 160www.SlideShare.net/LeahcimSemaj2013
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 161
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 162
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 163
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 164
of NETWORKING
2/11/2017 www.SlideShare.net/LeahcimSemaj2013 165
Summary - The 10 Commandments
For Better Networking:
1 Always have your tools.
2 Networking is more like farming than hunting.
3 Understand where you are in the pecking order
4 People remember engaging people
5 The law of Karma is real
6 The little things count for much.
7 Grow Your Quality Network
8 Have a Good Business card strategy
9 Keep it Real - First Impressions Last
10 Close the circuit - Follow up!
2/11/2017 166www.SlideShare.net/LeahcimSemaj2013
Dr. Leahcim Semaj
Intl. Keynote & Motivational Speaker
Above or Beyond
876-383-5627
WWW.ABOVEORBEYONDJM.COM 1672/11/2017

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Jsif4 personal dev feb2017

  • 2. Dr. Leahcim Semaj Intl. Keynote & Motivational Speaker Above or Beyond 876-383-5627 WWW.ABOVEORBEYONDJM.COM 32/11/2017
  • 3. JSIF - Poverty Reduction Programme PERSONAL DEVELOPMENT WORKSHOP 2016/2017 COHORT OF TERTIARY SCHOLARS 2/11/2017 WWW.ABOVEORBEYONDJM.COM 4
  • 4. Components Self-Identity◦ Developing self-esteem and self confidence ◦ Managing social and cultural influences ◦ Self-actualization Managing Personal Finances◦ Developing a savings plan ◦ Budgeting ◦ Credit education Networking for Success 2/11/2017 WWW.ABOVEORBEYONDJM.COM 5
  • 5. Self-Identity Developing self-esteem and self confidence Managing social and cultural influences Self-actualization 2/11/2017www.AboveorBeyondJM.COM6
  • 6. SELF ESTEEM Definitions What is self-esteem. What self-esteem is not. Factors that influence's one’s self-esteem. What is self esteem made of? Development of self esteem. Importance of self esteem. Effects of self-esteem. Some tips on building a positive and improving your self esteem 2/11/2017 WWW.ABOVEORBEYONDJM.COM 7
  • 8. DEFINITIONS • Self-concept: • Picture or perception of ourselves/ a person's mental model of his or her abilities and attributes. • Self Efficacy: • The set of beliefs that one can perform adequately in a particular situation 2/11/2017 WWW.ABOVEORBEYONDJM.COM 9
  • 9. • Self-ideal: The way we would like to be. • Self-actualization A concept in personality psychology referring to a person's constant striving to realize his or her potential and to develop inherent talents and capabilities. • Self-awareness The top level of consciousness; cognizance of the autobiographical character of personally experienced events. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 10
  • 10. What is self-esteem? Self Esteem: Feelings we have about ourselves. a realistic respect for or favorable impression of one self; Self respect. It is feeling good about yourself, Putting a high value on your worth, Thinking or thoughts in your head about your self and it Is different depending on circumstances and relationships. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 11
  • 11.  Self-esteem refers to the way we see and think about ourselves 2/11/2017 WWW.ABOVEORBEYONDJM.COM 12
  • 12. self- esteem the evaluation of one’s success in meeting set goals. The gap between how you see yourself now and your ideal self. A strong and deeply-felt belief that you as a person have value in the world. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 13
  • 13. self esteem The way we see and think about ourselves Your opinion of yourself. High self esteem is a good opinion of yourself and low self esteem is a bad opinion of yourself. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 14
  • 14. What Self-Esteem Is Not 1. Self Esteem is NOT dependent upon what other people think of you 2. Self Esteem is not egotism, arrogance, narcissism/selfishness, or a desire to feel superior to others 3. Self Esteem is not temporary euphoria 2/11/2017 WWW.ABOVEORBEYONDJM.COM 15
  • 15. Factors that influence self-esteem. Family Peers, Friends Media 2/11/2017 WWW.ABOVEORBEYONDJM.COM 16
  • 18. Factors that influence one’s self-esteem. Do others respect what you do? Do you? Do you believe you are successful? How do you see yourself? 2/11/2017 WWW.ABOVEORBEYONDJM.COM 19
  • 19. Cont… How do you feel about your strengths and weaknesses? What do you think of your social status? How do you relate to others? Can you make your own decisions? 2/11/2017 WWW.ABOVEORBEYONDJM.COM 20
  • 20. Self-esteem…what is it made of? Your self-esteem is made up of all the experiences and interpersonal relationships you’ve had in your life. Everyone you’ve ever met has added to or taken away from how you see yourself. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 21
  • 21. Development of self-esteem. A person develops his/her self esteem throughout the life through experiences. In this regard childhood experiences play an important role in shaping self esteem. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 22
  • 22. Factors that contribute to high or low self esteem HIGH SELF-ESTEEM. If you are being praised If you are listened to If you are being spoken to respectfully If you are getting attention Experiencing success Having trust worthy friends LOW SELF-ESTEEM. Experiencing Continuous Failure Being expected to perfect all the time Being Ignored or made fun of Having physical or emotional punishment Being criticized 2/11/2017 WWW.ABOVEORBEYONDJM.COM 23
  • 23. Importance of self-esteem. Self-esteem is important because it is associated with feelings like; ◦Confidence ◦Pleasure ◦Sense of Optimism ◦Happiness 2/11/2017 WWW.ABOVEORBEYONDJM.COM 24
  • 24. Self-esteem importance cont… Having a healthy self – esteem creates confidence, self-reliance, and overall happiness in an individual. Self esteem increases your confidence. If you have confidence you will respect yourself and then you can respect others, improve your relationships and become happier This is not a selfish goal as you will contribute more and share yourself with the world and those around you. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 25
  • 25. Importance of self-esteem cont… Low esteem causes depression, unhappiness, insecurity and low confidence. Other's desires may take preference over yours. Inner criticism that nagging voice of disapproval inside you, causes you to stumble at every challenge and challenges seem impossible 2/11/2017 WWW.ABOVEORBEYONDJM.COM 26
  • 26. Advantages of a good self-esteem. Good Self Esteem Leader to others Accept failure Doesn’t submit to peer pressure Is not a threat to others Believes in self Willing to try new things Appreciate life Change the bad 2/11/2017 WWW.ABOVEORBEYONDJM.COM 27
  • 27. Effects of high self-esteem. They don’t worry about how others will judge them. They have the courage to express themselves. Their lives are enriched with each new encounter. They are nicer to be around. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 28
  • 28. Effects of high self-esteem cont… Their ideas are met with interest because others want to hear what they have to say. They are magnets to positive opportunities! 2/11/2017 WWW.ABOVEORBEYONDJM.COM 29
  • 29. Effects of low self-esteem. People with low self-esteem possess following characteristics: -They don’t believe in themselves. -They see themselves failing before they begin. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 30
  • 30. Effects of low self-esteem cont… They have a hard time forgiving their mistakes and make themselves pay the price forever. -They believe they can never be as good as they should be or as others. -They are afraid to show their creativity because they will be ridiculed. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 31
  • 31. Effects of low self-esteem cont… They are dissatisfied with their lives. -They spend most of their time alone. -They complain and criticize. -They worry about everything and do nothing. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 32
  • 32. Self-Confident Low Self-Confidence Doing what you believe to be right, even if others mock or criticize you for it. Governing your behavior based on what other people think. Being willing to take risks and go the extra mile to achieve better things. Staying in your comfort zone, fearing failure, and so avoid taking risks. Admitting your mistakes, and learning from them. Working hard to cover up mistakes and hoping that you can fix the problem before anyone notices. Waiting for others to congratulate you on your accomplishments. Extolling your own virtues as often as possible to as many people as possible. Accepting compliments graciously. “Thanks, I really worked hard on that prospectus. I’m pleased you recognize my efforts.” Dismissing compliments offhandedly. “Oh that prospectus was nothing really, anyone could have done it.” 2/11/2017 WWW.ABOVEORBEYONDJM.COM 33
  • 33. 7 steps to developing self-confidence 2/11/2017 WWW.ABOVEORBEYONDJM.COM 34
  • 34. More tips on building your self-esteem.  Learn to be more assertive and not feel guilty about saying no  Think positively  Believe on your self  Make plans for the future .Set and achieve goals  Do something challenging each day  Look your best  Eat correctly  Do something for someone else  Learn a new skill 2/11/2017 WWW.ABOVEORBEYONDJM.COM 35
  • 35. Tips on building your self-esteem cont…  Handle things one at a time  Use criticism constructively  Ask for help – take advantage of learning opportunities  Allow personal growth time each day  Do not say negative things about yourself  Reward yourself often  List your accomplishments each evening  Volunteer to share your skills with others 2/11/2017 WWW.ABOVEORBEYONDJM.COM 36
  • 36. How to improve your self-esteem. Choose friends who value and respect you. Focus on positive aspects about yourself. Replace negative self-talk with supportive self-talk. Act in accordance with your values. Work toward accomplishments rather than perfection. Consider your mistakes learning opportunities. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 37
  • 37. How to improve self-esteem cont… Try new activities to discover your talents. Write down your goals and the steps you will take to achieve them. Exercise regularly to feel more energized. Volunteer to help someone. Accept the things you can’t change, and focus your energy on changing the things you can. 2/11/2017 WWW.ABOVEORBEYONDJM.COM 38
  • 40. Remove Negative Thoughts ! 2/11/2017 WWW.ABOVEORBEYONDJM.COM 41
  • 41. Like Yourself !! 2/11/2017 WWW.ABOVEORBEYONDJM.COM 42
  • 44. How to improve Self Confidence 2/11/2017 WWW.ABOVEORBEYONDJM.COM 45
  • 50. Managing Personal Finances Developing a savings plan Budgeting Credit education 2/11/2017www.AboveorBeyondJM.COM51
  • 51. THE 10 IMMUTABLE LAWS of MONEY MANAGEMENT 2/11/201752 www.ABOVEorBEYONDJM.COM
  • 52. MYTHS AND FACTS ABOUT MONEY  1. MONEY CAN’T BUY HAPPINESS  TRUE  Happiness is meaning, money can’t buy meaning 2/11/2017 53www.ABOVEorBEYONDJM.COM
  • 53. MYTHS AND FACTS ABOUT MONEY  2. THE LOVE OF MONEY IS THE ROOT OF ALL EVIL  FALSE  The root of all evil is craving and obsession  Whatever you crave for 2/11/2017 54www.ABOVEorBEYONDJM.COM
  • 54. MORE MYTHS AND FACTS ABOUT MONEY  3. MONEY MAKES THE WORLD GO ROUND  TRUE  But desire really makes the world go round  money is just desire’s way of organizing itself 2/11/2017 55www.ABOVEorBEYONDJM.COM
  • 55. MYTHS AND FACTS ABOUT MONEY  4. MONEY CAN’T BUY LOVE  TRUE  It can buy some kinds of love  But not a certain kind 2/11/2017 56www.ABOVEorBEYONDJM.COM
  • 56. MORE MYTHS AND FACTS ABOUT MONEY  5. TOO MUCH MONEY EASILY GOTTEN SPOILS YOU  TRUE  Everything in life has a law of payment  You have to work for things in order for them to work for you 2/11/2017 57www.ABOVEorBEYONDJM.COM
  • 57. MYTHS AND FACTS ABOUT MONEY  6. A FOOL AND HIS MONEY ARE SOON PARTED  TRUE  But a fool also hoards his money  Fools behave foolishly about everything, including money 2/11/2017 58www.ABOVEorBEYONDJM.COM
  • 58. MORE MYTHS AND FACTS ABOUT MONEY  7. A GOOD REPUTATION IS MORE VALUABLE THAN MONEY  FALSE and TRUE  Not today, when reputation can be created 2/11/2017 59www.ABOVEorBEYONDJM.COM
  • 59. MYTHS AND FACTS ABOUT MONEY  8. GREED IS GOOD  FALSE AND TRUE  By definition greed is uncontrolled craving, this is not good  But you need a certain amount of “greed” to succeed in business2/11/2017 60www.ABOVEorBEYONDJM.COM
  • 60. MORE MYTHS AND FACTS ABOUT MONEY 9. ALL MEN( and WOMEN) HAVE THEIR PRICE  TRUE  Few men have no price, but this is usually with some inner moral things 2/11/2017 61www.ABOVEorBEYONDJM.COM
  • 61. MORE MYTHS AND FACTS ABOUT MONEY  10. I’VE BEEN POOR AND I’VE BEEN RICH  RICH IS BETTER  TRUE This saying is a great antidote to hypocrisy 2/11/2017 62www.ABOVEorBEYONDJM.COM
  • 63. Do You Know How Money Really Works? 2/11/2017www.ABOVEorBEYONDJM.COM64
  • 64. 1. You Must Obey The L.E.S.I. Model Learn Something Earn Something Save Something Invest in Something 2/11/201765 www.ABOVEorBEYONDJM.COM
  • 65. The Results Learn new skills every 5 years Change career every 10 years 2/11/201766 www.ABOVEorBEYONDJM.COM
  • 66. 2. THE BEST MODEL FOR SAVING  BEGIN AT 25  SAVE $500/MTh  rate - 14% pa  STOP AT 34  CONTRIBUTIONS  $60,000  Is this the best model?  BEGIN AT 35  SAVE $500/MTh  rate - 14% pa  STOP AT 65  CONTRIBUTIONS  $186,000  Is this the best model? 2/11/201767 www.ABOVEorBEYONDJM.COM
  • 67. THE VALUE OF SAVINGS SUM AT 65 $6,005,871 SUM AT 65 $2,166,19 6 2/11/201768 www.ABOVEorBEYONDJM.COM
  • 68. HOW MONEY WORKS  YEAR TOTAL  1 $6,000  5 $52,310  10 $117,877  20 $436,997  30 $1,620,046  40 $6,005,871  YEAR TOTAL  0  0  1 $6,000  10 $117,877  20 $553,021  30 $2,166,196 2/11/201769 www.ABOVEorBEYONDJM.COM
  • 69. The miracle of compound interest  This is a concept best illustrated by example  Let's say I give you a penny today  and promise to double the amount every day for a month  How much money would I be giving you on the 31st day? 2/11/201770 www.ABOVEorBEYONDJM.COM
  • 70. The Answer: $10.7 million Check it out: 2/11/201771 www.ABOVEorBEYONDJM.COM
  • 71. It all adds up  Day 1 $0.01  Day 2 $0.02  Day 3 $0.04  Day 4 $0.08  Day 5 $0.16  Day 6 $0.32  Day 7 $0.64 2/11/201772 www.ABOVEorBEYONDJM.COM
  • 72. It all adds up www.ABOVEorBEYONDJM.COM73  Day 8 $1.28  Day 9 $2.56  Day 10 $5.12  Day 11 $10.24  Day 12 $20.48  Day 13 $40.96 2/11/2017
  • 73. It all adds up  Day 14 $81.92  Day 15 $163.84  Day 16 $327.68  Day 17 $655.36  Day 18 $1,310.72  Day 19 $2,621.44  Day 20 $5,242.88 2/11/201774 www.ABOVEorBEYONDJM.COM
  • 74. It all adds up  Day 21 $10,485.76  Day 22 $20,971.52  Day 23 $41,943.04  Day 24 $83,886.08  Day 25 $167,772.16  Day 26 $335,544.32 2/11/201775 www.ABOVEorBEYONDJM.COM
  • 75. It all adds up  Day 27 $671,088.64  Day 28 $1,342,177.28  Day 29 $2,684,354.56  Day 30 $5,368,709.12  Day 31 $10,737,418.24 2/11/201776 www.ABOVEorBEYONDJM.COM
  • 76. You Create Your Future 2/11/2017www.ABOVEorBEYONDJM.COM77
  • 77. Each Day  the "interest" paid you the previous day earns more interest  At the beginning  the amounts are nominal  but by the end we're talking big bucks 2/11/201778 www.ABOVEorBEYONDJM.COM
  • 78. The Debt Trap  This also illustrates how debts can quickly balloon out of control  If you're paying interest, rather than incurring it,  and you're not diligent about paying off the finance charges in full every month,  the unpaid amount will incur additional interest charges,  increasing the total amount that you owe 2/11/201779 www.ABOVEorBEYONDJM.COM
  • 79. The Debt Trap  This is why so many families who incur credit card debt eventually find themselves in trouble  as the amounts they owe explode past their ability to pay 2/11/201780 www.ABOVEorBEYONDJM.COM
  • 80. The 60% Solution  The real secret to building a budget that really works isn't tracking what you spend  any more than counting calories is the secret to losing weight.  The key is creating a sustainable structure for your finances  One that balances spending and income  that leaves enough room to handle the unexpected 2/11/201781 www.ABOVEorBEYONDJM.COM
  • 81. The 60% Solution  By limiting all your essential spending to 60% of total income, your savings will soar  that means everything from house payments  to clothing to insurance and taxes  The remaining 40% goes to cover  Retirement  long-term savings  irregular but predictable expenditures such as vacations  fun money for movies and entertainment. 2/11/201782 www.ABOVEorBEYONDJM.COM
  • 82. The 60% Solution  Committed expenses: 60%  Taxes of all kinds, basic living expenses  insurance, charity and regular bills  Irregular expenses: 10%  Vacations, major repair bills, new appliances, etc  Long-term saving/debt: 10%  Money set aside for car purchases,  major home fix-ups, or to pay down substantial debt loads.  Retirement: 10%  Minimum, 10% of your gross income  Fun money: 10%  Everybody needs a little fun money 2/11/201783 www.ABOVEorBEYONDJM.COM
  • 84. SAVE WHILE YOU SPEND Join a credit union Deposit money Borrow from yourself Pay back yourself Life insurance included 2/11/201785 www.ABOVEorBEYONDJM.COM
  • 85. Saving $50 Per Day The Half Patty Plan  Your monthly deposit of $ 1000  For 40 years  Interest rate of 10%  Compounded monthly  10 years $207,552.02  20 years $766,696.91  30 years $2,280,325.32  40 years $6,377,780.24 2/11/201786 www.ABOVEorBEYONDJM.COM
  • 87. What’s Wrong With Partners? No interest No collateral 2/11/2017 88www.ABOVEorBEYONDJM.COM
  • 88. WHAT’S THE ALTERNATIVE An investment club Make loans to members only within shares 2/11/2017 89www.ABOVEorBEYONDJM.COM
  • 90. 3. AVOID USING CASH Deposit salary check Use a check to pay bills Cash evaporates 2/11/201791 www.ABOVEorBEYONDJM.COM
  • 91. 4. USE FREE CREDIT  Thirty to 56 days available  Expand your resources  Respond to emergencies  Get at least one credit card  Pay bill in full (beware interest)  Pay by due date (Just like you did at the corner shop) 2/11/201792 www.ABOVEorBEYONDJM.COM
  • 92. 5. GET A ROOF OVER YOUR HEAD The NHT Options Start small Be willing to share 2/11/2017 93www.ABOVEorBEYONDJM.COM
  • 93. This data was last updated on the NHT’s website in the year of 2010. However, it still applies to the current year (2017). The present data will continue to remain until further updated by the NHT. 2/11/2017 www.ABOVEorBEYONDJM.COM 94
  • 94. Who qualifies for a loan?  You must be currently contributing to the Trust.  Have made at least 52 weekly contributions of which 13 must have been made in the last 26 weeks just before the date of your application.  Have paid up, with interest, any outstanding contributions due in the last 3 years.  Exceptions are Voluntary Contributors or persons earning less than $7,500 per week who are only required to pay up contributions for 1 year.  Be between the ages 18 and 65.  Be earning an income which allows you to repay the loan. 2/11/2017 www.ABOVEorBEYONDJM.COM 95
  • 95. NHT Interest Rates 2017 INTEREST RATES (%) INCOME BAND (WEEKLY) Disabled Persons (New) Mortgagors 55 years & older and contributing for a minimum of 10 years Public Sector Workers All Other Contributors Minimum wage - $12,000.99 0% 0% 0% 0% $12,001 - $20,000.99 0% 0% 1% 2% $20,001 - $30,000.99 - 2% 2% 3% 4% $30,001 & over 4% 4% 5% 6% 2/11/2017 www.ABOVEorBEYONDJM.COM 96
  • 96. Interest Rates (Cont.)  The special rate for new mortgagors 55 years and older apply to those contributing for a minimum of ten (10) years.  The interest rate for Solar Water Heater loans remains at 3%.  New applicants employed to the public sector will continue to enjoy the 1% interest reduction that had been granted to them in 2010 while also benefitting from the new rate concession introduced in November 2015. 2/11/2017 www.ABOVEorBEYONDJM.COM 97
  • 97. Loan Limits (2017) Loan Type One Applicant With co-applicant (s) Scheme House $5.5 Million $11 Million *** Serviced Lot $2.5 Million $5 Million Open Market $5.5 Million $11 Million House Lot $2 Million $4 Million Cluster Housing *conditions apply $1.5 Million $3 Million BOL $5.5 Million $11 Million *** Construction Funds $5.5 Million minus previous loan *** Home Improvement Homeowners - $1.5 Million Non-homeowners- $4.5 Million Homeowners - $3 Million Fifteen (15) Plus $1.5 Million $3 Million Solar Water Heater $250,000 Solar Panel $1.2 Million $2.4 Million2/11/2017 www.ABOVEorBEYONDJM.COM 98
  • 98. NHT Loan Options TYPES ONE APPLICANT WITH CO- APPLICANTS  Build on Own Land $5.5 Million $11 Million  Open Market $5.5 Million $11 Million  Construction Funds $5.5 Million(minus previous loan)  NHT Scheme House $5.5 Million $11 Million  NHT Serviced Lot $2.5 Million $5 Million  House Lot Loan $2 Million $4 Million  HOPE Loan $1 mil $2 mil 2/11/2017 www.ABOVEorBEYONDJM.COM 99
  • 99. Who qualifies for a loan? 2/11/2017www.ABOVEorBEYONDJM.COM100  you must:  Be currently contributing to the Trust.  Have made at least 52 weekly contributions  3 must have been made in the last 26 weeks just before the date of your application.  Have paid up, with interest, any outstanding contributions due in the last 3 years.  Exceptions are Voluntary Contributors or persons earning less than $7,500 per week  who are only required to pay up contributions for 1 year.  Be between the ages 18 and 65.  Be earning income which allows you to repay loan.
  • 100. NHT Interest Rates INTEREST RATES (%) INCOME BAND (WEEKLY) Able-bodied Persons (New) Mortgagors 55 years & older Public Sector Workers Minimum wage - $7,500.99 1 1 0 $7,501 - $10,000.99 3 1 2 $10,001 - $20,000.99 5 3 4 $20,001 & over 7 5 6 2/11/2017www.ABOVEorBEYONDJM.COM101
  • 101. 6. Are you ready for LIFE AFTER DEATH? Who will bury you? Who will feed, cloth, shelter and educate your children? 2/11/2017 102www.ABOVEorBEYONDJM.COM
  • 102. THE 6% SOLUTION Buy what you can afford Prepare for transfer tax If you do not love anybody you do not need insurance 2/11/2017103 www.ABOVEorBEYONDJM.COM
  • 103. 7. UNDERSTANDING THE MONEY MARKET SOURCES  TREASURY BILLS  LRS  COMMERCIAL PAPER OPTIONS  Jamaica Money Market Brokers  Barita  Scotia BDG 2/11/2017104 www.ABOVEorBEYONDJM.COM
  • 104. 8. UNIT TRUSTS WORK  A chance to bet on all the horses in the race  COMPONENTS  Real Estate  Money Market  Stocks OPTIONS  Scotia DB&G  Barita  Sigma be careful to  Move funds to Money Market if trend starts down 2/11/2017105 www.ABOVEorBEYONDJM.COM
  • 105. 9. BUYING STOCKS REASONS  Best edge against inflation in the long run  5 to 10 years  Don’t just watch Dividends OPTIONS  Get to know a broker  Evaluate public offers 2/11/2017106 www.ABOVEorBEYONDJM.COM
  • 106. 10. HAVE IT YOUR WAY  IF YOU LOVE THE ONES YOU LEAVE BEHIND, MAKE A WILL  Simple form (Insurance Agent)  Lawyer  Trust Company 2/11/2017 107www.ABOVEorBEYONDJM.COM
  • 107. THE 10 IMMUTABLE LAWS  1. LEARN, EARN, SAVE, INVEST MODEL  2. SAVE EARLY & REGULAR  JOIN CREDIT UNION  3. AVOID USING CASH  4. USE FREE CREDIT  5. BUILD OR BUY A HOUSE EARLY  6. GET INSURANCE  7. OPEN A MONEY MARKET ACCOUNT  8. INVEST IN UNIT TRUST  9. INVEST IN THE STOCK MARKET  10. MAKE A WILL 2/11/2017108 www.ABOVEorBEYONDJM.COM
  • 111. WHY IS IT IMPORTANT? 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 112
  • 112. What is Networking? Why is it important to anyone who wants to succeed Critical to personal, career and business development Successful persons create and nurture a network of contacts Your income can grow only to the extent that you grow I create my life versus what happens to me 2/11/2017 113www.SlideShare.net/LeahcimSemaj2013
  • 113. What is Networking? Essentially, networking is getting to know people who can help you develop your career, business or personal prospects . You don't need to be a big shot or the most outgoing person in the world to network effectively. Its simply connecting with people 2/11/2017 114www.SlideShare.net/LeahcimSemaj2013
  • 114. One simple rule  “It takes only a moment’s conscious decision to become a networker, with no interference to one’s daily routine.  All it requires is a slight shift in attitude, and adopting one simple rule:  Greet each new acquaintance with an openness to learn more about that person, a willingness to help, and an offer to stay in touch.” [Buzzy Gordon - http://entrepreneurs.about.com] 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 115
  • 115. How big is your network? People you have known in the past People you know now People you will know in the future 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 116
  • 116. Dunbar’s number  150 = the maximum number of people with whom we can maintain relationships  Hypothesis by primatologist Robin Dunbar that 150 is the maximum number of social interactions you can manage  It is the number at which groups start to break down  The number is higher or lower across different species of social primates 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 117
  • 117. What are the benefits of networking?  A lot of good jobs never make it to the pages of a recruitment website or newspaper.  They get filled by word of mouth and the more senior the position, the more often it happens this way.  Even if the job is advertised, it helps to know someone inside the new organisation who can give you the inside line.  They may even end up interviewing you which will always make it a less stressful experience 2/11/2017 118www.SlideShare.net/LeahcimSemaj2013
  • 118. What are the benefits of networking?  Access to their rolodex  Ability to genuinely helps others  Inability to network can hinder your performance on the job, in business and in personal life  In the end business is conducted through personal relationships  Cannot focus only on financial aspect 2/11/2017 119www.SlideShare.net/LeahcimSemaj2013
  • 119. Operational • People who can help you get your work done • Often internal & current- focused Personal • People who can help you grow personally & professionally • Usually external & share common interests Strategic • People who can help you shape your future goals & direction • May be internal or external & are future-oriented 3 reasons for networking How Leaders Create and Use Networks by Herminia Ibarra and Mark Hunter HBR Jan. 2007 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 120
  • 120. Networking vs. Relationship Building  The word “networking” is commonly used to describe the process of cultivating business relationships.  There’s nothing inherently wrong with networking, but it often has the connotation of being manipulative and self-serving.  Should we shy away from it?  No matter how good your service or product is you are in the people business 2/11/2017 121www.SlideShare.net/LeahcimSemaj2013
  • 121. Not all network contacts are equal Networks contain a small number of people that have proportionately more influence over the network than others This 5-10% of individuals, called critical connectors by organisational anthropologist Karen Stephenson, occupy specific places within networks Ref: http://goo.gl/mWXgA 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 122
  • 122. Hubs, Gate-keepers & Pulse-takers Hubs are directly connected to many people and, as a result, have the ability to disseminate information quickly Gatekeepers stand at the intersection between parts of the organisation, or areas of expertise Pulse-takers are the covert influencers within networks who are often more knowing than known, and they connect with others strategically 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 123
  • 123. Your networking plan Map your network Identify your critical connections Engage and add value Develop & grow your network 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 124
  • 127. won’t work at another. Just as your skills should evolve, so should your network.
  • 128. Your career isn’t static—  In order to get ahead, some things have to change.  Your skills should evolve, and you should check periodically to make sure they’re keeping you competitive.  Even the way you use social media to find jobs and get your name out there should also change over time.
  • 129. But what about people? We often think of our professional network as a continuously expanding thing. Meet someone new, add them to the list. The list gets longer, your opportunities get ever wider. It may not be that simple, though. Just as we discard some skills in order to pick up others, it’s smart to focus on different types of people who can offer you the most support depending on where you find yourself.
  • 130. at each stage of your working life.
  • 132. When you’re just starting out New grads have found for generations, that family connections and alumni groups are still your best bet.
  • 133. The alumni network is powerful,  In this day and age when people are so super-connected, alumni are more likely to lend a hand to a new grad in need than they might’ve been previously. It’s like your whole university becomes your fraternity.
  • 134. School contacts can be especially useful at the graduate level When those people finally enter the workforce, they usually find the colleagues they’ve made at the graduate level to be their strongest professional resources.
  • 136. The Changing View of Recruiters Recruiters used to be just for executive-level people and people in temporary jobs The stigma associated with headhunters is beginning to dissipate as younger workers begin reaching out for professional help.
  • 137. The reason when you’re at an associate level, you’re really looking for that next step It’s really a numbers game—all those people are looking to move into that junior-manager role fewer factors may set them apart as there are among candidates for senior-level positions.
  • 138. depends on where you want to go next.
  • 139. Looking for a new employer? Then a manager that you’ve previously worked for who’s moved onto another company can be a great person to stay connected to.
  • 140. Prefer to stay put? A senior person within your own organization who can serve as a mentor or advocate for you to start moving up is your best bet.
  • 141. The key, in either case, Use those first few years to build relationships with people one or two levels your senior.
  • 142. Can we take a picture? 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 143
  • 143. THE NUTS AND BOLTS 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 144
  • 144. Many Options  Old school, college or university classmates, alumni  Family members and their friends  Professional organisations  Trade organisations  Professionals -doctor, lawyer or accountant, etc.  Club members or anyone else you meet socially  Civic and charitable organisations  Faith based organisations  Professors, advisers, coaches  Former or present work colleagues or bosses  Pick up a sport – golf, tennis, sailing, shooting 2/11/2017 145www.SlideShare.net/LeahcimSemaj2013
  • 145. How to decide what to do and where?  What are you interested in?  What’s your passion?  What inspires you?  Shared beliefs, experiences – child with special needs, same faith, giving back (ability to do more with others)  Only works if you do the work – get to know people, work on projects, deliver 2/11/2017 146www.SlideShare.net/LeahcimSemaj2013
  • 146. Build Relationships in Diverse Ways  The world has gotten quite complex – Facebook, Linkedin, etc.  Remember the 6-degrees-of-separation principle.  Go to reunions  Join your alumni  Simply provide good service  Go after the # 2 person to reach a power broker 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 147
  • 147.  Don't ask directly for a job - networking is not a job fair; it's an opportunity to gather potentially useful information.  Give and take - networking is a two-way exchange, there's no such thing as a free lunch.  Do the groundwork - research your contacts before meeting them and always follow up good leads or pass them on.  Think laterally – try to expand your network outwards, beyond your comfort zone or usual sphere of operation.  Patience is a virtue – getting involved in networking is being in there for the long haul; don't expect to land a plum job at your first meeting. 2/11/2017 148www.SlideShare.net/LeahcimSemaj2013
  • 148.  How you do anything is how you do everything  Be a class act  Be impeccable in your words  When in doubt check  Practice uncommon appreciation  Better to say no than to break your word  Give more to get more without immediate benefit  Find a way to serve – Webinar, Blog, Newsletter 2/11/2017 149www.SlideShare.net/LeahcimSemaj2013
  • 149. Can we take a picture 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 150
  • 151. A NETWORKING EVENT 2/11/2017 www.SlideShare.net/LeahcimSemaj2013 152
  • 152. Planning effectively for a networking event 3 Phases Pre-Event, The Event, Post Event Pre-Event - Why are you going, - What do you want to accomplish - Who will be there you want to see/meet? - What’s the dress code? Can you comply? - Am I current on what’s happening? - Can I be of service? - Be conversant in topics of interest to your target (sports, current affairs, music, etc.) 2/11/2017 153www.SlideShare.net/LeahcimSemaj2013
  • 153. At the Event  - Be pleasant  - Smile and make eye contact with others  - Enter the room with confidence  - When you start a conversation do not hold the person captive , circulate  - Pick out the wall flowers standing by themselves nursing a drink and engage them 2/11/2017 154www.SlideShare.net/LeahcimSemaj2013
  • 155. At the Event  - Do not pass out your business cards like confetti  - Ask someone for their card first  - Focus on making a connection  - Ask great question – not ‘What do you do?’  - LISTEN  Be helpful by playing host  Focus on quality not quantity  Promise to follow-up 2/11/2017 156www.SlideShare.net/LeahcimSemaj2013
  • 157. Listen!!!  Ask a question and wait to get an answer  Do not interrupt! Its rude. It says what I have to say is more important  Don’t just wait to speak and formulate your thoughts  Pay attention  Put away the Smartphone  Do not try to show –off with the on-up manship or womanship  Make the other person feel important  Don’t flaunt your accomplishments  Become a master Listener and see your popularity soar! 2/11/2017 158www.SlideShare.net/LeahcimSemaj2013
  • 159. Post Event  Start building the relationships  Do what you promised to do. E.g. Call, set a time to get together right away. Do not delay.  Review the notes you made, shared interest  Determine how you can be of value  Keep in touch in a consistent way  Share - ideas, articles, tickets, products, lunch  Nurture the relationship 2/11/2017 160www.SlideShare.net/LeahcimSemaj2013
  • 165. Summary - The 10 Commandments For Better Networking: 1 Always have your tools. 2 Networking is more like farming than hunting. 3 Understand where you are in the pecking order 4 People remember engaging people 5 The law of Karma is real 6 The little things count for much. 7 Grow Your Quality Network 8 Have a Good Business card strategy 9 Keep it Real - First Impressions Last 10 Close the circuit - Follow up! 2/11/2017 166www.SlideShare.net/LeahcimSemaj2013
  • 166. Dr. Leahcim Semaj Intl. Keynote & Motivational Speaker Above or Beyond 876-383-5627 WWW.ABOVEORBEYONDJM.COM 1672/11/2017

Editor's Notes

  1. 30 MINUTES
  2. Networking can serve as a valuable strategy at each and every stage of your career development. What is it? In short, it’s simply connecting with people, your most valuable resources at every phase of your pursuits. People can help you to assess your skills and interests; to explore industries and work functions and their intersection with academic disciplines; to learn about challenges and opportunities, the skills required, the jargon, and the trends in specific fields; and they can help you to focus your career or job options. By talking to people, you get information, advice, and referrals. And, since nearly 80 percent of all jobs are never advertised, you learn about opportunities that otherwise would go unnoticed. The more contacts you make, the more likely you are to uncover the hidden job market. Types of Networking When you’re networking for information, advice, or referrals and possible job leads, it’s most likely you’ll be conducting that activity in one of three ways: (1) through purposeful personal contact done by phone, email,business letter, online networking sites, or in person; (2) at a function or an event designed for “schmoozing” ormingling with other professionals; or (3) by happenstance. In all cases, you’ll want to be ready. You may besurprised, for example, at the number of internships secured on flights back to school after holiday break through conversations with the stranger in the next seat. So, whether you are working a room at a social event,initiating a purposeful personal contact with someone, or seizing an opportunity that presents itself, you should find the tips below useful.
  3. It’s better to think of going to an event in order to meet people rather than to network. The latter carries the risk of making you wonder what you can get from other people, which others can easily sense.
  4. I would remove this slide.
  5. 20 MINUTES
  6. Keep good records of who you meet and the conversations you've had - there's no point building a network of contacts that you then forget. Also aim to stay in regular touch even when you're not after anything specific. You don't want to be known as the person who only ever gets in touch when they're after a favour. Networking events and conferences are good ways to build a network if you're not sure where to start. Make sure you know why you are there and what you want out of it and make sure you have a few copies of your CV or some business cards to hand out to the important contacts you meet. Networking events and conferences are good ways to build a network if you're not sure where to start. Make sure you know why you are there and what you want out of it and make sure you have a few copies of your CV or some business cards to hand out to the important contacts you meet.
  7. Making Personal Contact Before you actually start making personal contacts, do some homework. Begin with yourself. What is your purpose? Do you have a career or industry focus, or are you seeking contacts who might serve as resources to help you discover your interests and desires? Follow your hunches about the industries and work functions that you think would most interest you, and do some background research that might enrich any conversation orexchange you will have with the people who are actually in that line of work. Continue your homework after defining your purpose and researching industries or work functions by beginning to build your network ofcontacts, which includes learning as much as you can about the people you will be contacting. Reed’s office ofcareer services has a variety of resources that can help you get focused in all of these areas. Start to build your network by listing your natural acquaintances and contacts: · Family and their friends · Friends and their families · Reed Alumni Career Network · Volunteer affiliations (e.g., clubs, organizations, church, etc…) · Professors, advisers, coaches · Former or present work colleagues · Professionals Ask yourself, “Who do I know?” and add anyone who comes to mind to your list. Your goal at this stage is to connect with your natural network to discover not only if they have direct advice but also if they know of othersmore closely affiliated with your interests. Let them know your interests and aspirations. The more people who know of your interests, the greater thechance that doors will open for you. Your chances of being in the right place at the right time are increased when you are attentive to this fact. It’s sometimes called “managing your luck.” Before you make contact (with either your natural network or new people discovered through them), prepare your introduction or “elevator speech.” This step will also be useful for those unpredictable moments when you are presented the opportunity to connect with someone new (e.g., on the flight home or at a social function). Examples: Dear Dr. Griffin, Professor D. Owl suggested that I contact you regarding your research. I will soon graduate from Reed College with a degree in political science and philosophy. After working this past summer as a legal researcher for a law firm in Anchorage, Alaska, I'm back in Portland to finish my studies and hope to find a job with a local civil rights organization or public policy group. Would you have a few minutes to share any advice or ideas with me? *Elevator speech: who, what, why in 30 seconds. Hello (person’s name). My name is (your name). I was referred to you by (referral name). I am interested in learning more about (material science, web development, whatever). I wonder if you would have a moment to share with me any advice, ideas, leads, and referrals. *(Taken from The Foolproof Job-Search Workbook, by Donald Asher, a Reed alumnus, who has given us permission to use it). Expand your network As you meet alumni and other people, focus on shared interests and common traits. Find parallels between your experiences and theirs. Do you share similar interests such as social justice, the environment, or entrepreneurship? Have you studied the same subjects or under the same professors? Identify and accentuate the commonalities. As you develop a clearer picture of your work or career plans, you can begin to broaden your network of contacts beyond those closest to you. How? As before, people are your best sources. If you can get two to four names from each of your natural contacts, your network will have expanded exponentially. When asking for referrals to other contacts, be specific: “Do you know anyone whose work responsibilities include (duty A, duty B, or duty C)?” or “Can you suggest anyone in this industry or field whom I should contact?” followed by “May I use your name as my referral source?” In some cases, your original contact may even be willing to introduce you. Other sources for expanding your network include professional associations, many of which have student membership rates, BLOGS or other online networking sites, newspaper articles or other media features, and formal networking programs or events such as the Reed Alumni Career Network or special events or panel discussions on campus that feature alumni or other professionals. Most important: engage yourself; contribute in your industry of interest. This means volunteering your time and skills to individuals or organizations actively working in the industry of your choice. Establish working relationships with others in the industry and find more contacts. Professional conferences are staffed by volunteers who can position themselves to meet young and senior professionals, for example. At this point in your cultivation and nurturing of contacts you may be ready use the more formal tool called the informational interview. You may have been employing it already, since you have been talking with others and gathering information to sharpen your focus and expand your network.
  8. Keep your agreement
  9. 10 MINUTES
  10. Give examples of great questions
  11. Since this is so poorly done, the great news is you can become a master listener. The
  12. Simple practical rules. Eg. Glass in left hand, amount of food on the plate, 2 hands occupied, posture, sitting or standing. Should you eat?
  13. 10 MINUTES