5 Signs You Should Hire A CoachCoaching has become a rapidly growing profession worldwide, expanding form its origins in sports and branching out into a number of different areas. There are business coaches, executive coaches, career coaches, health & wellness coaches, and general life coaches. But, should you hire a coach to help you succeed in life or in your business?

People seem to be recognizing that having a coach can make a difference. In fact, studies of coaching in organizations shows a return of $4 – $8 for every dollar invested.

At the same time, people have begun to recognize that top athletes spend around 95% of time practicing with a coach and 5% actually performing. While the rest of us spend almost all of our time performing, with almost no time to practice or improve.

Why shouldn’t everyone benefit from more time to work with a coach and develop mastery?

5 Signs You Should Hire A Coach

You See The Possibilities

You see great possibility for yourself, your career, or your business, but you can’t turn that possibility into a clear vision, action, and/or results. In other words, you are stuck.

What is your purpose? What is your vision for your life, career, or business? What are your strengths and how can you use them to make great things happen? A coach works with you to get answers to these questions.

Your Having Challenges

You are having challenges influencing or working with other people to get things done. Leadership – in life and in work – is partly about influencing others.

Many people have challenges with how they communicate, work on teams, and make things happen. A coach can help you develop new skills and behaviors to have more impact when working with other people. Your coach can also help you to understand how to build a powerful network of relationships so that you can get more things done more easily. [click to continue…]


Financing a Fixer Upper Home of Your DreamsRemodeling your home can cost you a fortune if you’re not careful. This is especially true if you purchased a house that needs renovations and remodeling. But, you can find several smart ways for financing a fixer upper and saving you a pretty penny in the process.

Financing a Fixer Upper

So, how do you finance a home remodel? What are the ways for financing a fixer upper? Here are four ways that you can finance your remodeling project without breaking the bank.

Taking Out a HELOC

One way for financing a fixer upper is to take out a home equity line of credit (HELOC). Of course, you want to be very careful and ensure that you plan to stay in your home a long while before doing so. Or, you could find yourself upside down on your mortgages if the real estate market moves against you like it did in 2008.

But, a HELOC can provide you with cash for your home remodel if you have enough equity in your home. Typically, a HELOC interest rate is more than the traditional 30 and 15-year mortgages.

Be sure to read all of the fine print regarding financing a fixer upper with a HELOC. Are there prepayment penalties? How long can you keep the line of credit open?

Refinancing Your Home

Another way to finance a home remodel or a fixer upper is simply to refinance your home. Have you been living in your home a while? Do you have a lot of repairs or upgrades that you’d like to make?

You may want to consider refinancing then as another option on paying for your remodeling project. Of course, refinancing is not for every homeowner. You need to have a considerable amount of equity in your home before you refinance.

And, like in 2008 housing crisis, you will want to keep a close eye on you home value and changes to the value. A cash out refinance can help you lock in a lower interest rate if you haven’t refinanced in a while. And, you can get cash out for financing a fixer upper.

You should also pay close attention to the terms of your new refinanced mortgage. Are you extending the loan back out to 30 years even though you’ve paid off several years of your current 30-year mortgage? Can you find a lower number of years in your new mortgage’s term, lower your interest rate, and have the same monthly payment? You may be surprised depending on how expensive your original loan is.
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5 Personal Finance Lessons from Donald Trump 

Since Donald Trump began running for president, stories of his many business successes and failures have taken a backseat to stories about his presence on the national political stage. Attaining billionaire status is no easy feat. And, regardless of how you feel about potentially having a President Trump for the next four years, there are […]

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