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The 2 Week Diet Review - Duration: 2:20.
The 2 Week Diet Review
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Why You Do NOT Need More Motivation - Duration: 2:08.
Hey everyone it's Jesse Lear. This is going to be a super quick video today
but I wanted to talk to you for just a second about the topic of motivation and
how to get motivated. If you've ever wondered if you're the type of person
who is motivated enough to start and build a successful company, if you've
ever wondered if you're the type of person who has motivation in general
then I'm going to give you the answer to that question right now and the answer is
YES
you are a motivated person and I'll give you a couple of examples to
prove it. Let's imagine that you're in the middle of a busy street like this
one here in downtown Columbus and a car comes blazing around the corner 80 miles
an hour, tires screeching, comes straight for you and there you are standing right
in the middle of the street. Does anyone have to motivate you to get out of the
way of that speeding car and get to the sidewalk and not be hit by this car?
No of course not. You have plenty of motivation to do that. Let's say that
you're at the bottom of a swimming pool and it's 12 feet deep and you're out of
air all of a sudden and you desperately need to get to the surface -- Does anyone
need to motivate you? Do you need to read books on motivation and figure out
how to get yourself to swim to the surface? Of course not.
You're born with motivation, you've got plenty of it, the question is what is it
that motivates you? If all you want to do when you get home from work is sit
on the couch and have peace and quiet then chances are pretty high that you're
motivated by comfort, peace and quiet. Those are three of the things that maybe
motivate you the most. So the question isn't whether or not you're a motivated
person, you are. You're naturally that way. The question is how do you shift that
motivation to something that you care about even more? So you might do that by
thinking about your kids and what it would mean to them to start a business
maybe you're actually motivated by your kids even more than you're motivated by
comfort, peace and quiet. Find what it is that motivates you and then shift that
motivation to something that you really care about in life and if that thing is
to start and build a business of your own and become a successful entrepreneur
we're going to talk a lot more about that very soon. Hope you've enjoyed this
short clip, if you've got any questions I'd love to hear them in the comment
section below. If this has been valuable to you, once again, would love for you to
share it on your page and I can't wait to talk to you soon.
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Comparing Series EE & I - Which is Best For You & Detailed Graph 3/3 - Duration: 17:17.
hello everyone and thanks for tuning into the financial investor channel my
name is Brent today we're going to be doing a comparison between the EE bonds
and the AI bonds what is best for you why you should invest in either an EE
bond or an AI bond I do have a breakdown in a chart of why you should do either
of the two now this is mainly up to you guys so I'm going to just be putting out
the information I think this is an important video to understand and listen
to because you know there are differences between the bonds and
depending on the the the timeframe that you're wanting your money invested both
of them are good investments you just have to decide on which one it is so as
we know the yvonne's and I bonds are both lending type of investments meaning
that whoever you lend your money to they're essentially borrowing your money
in exchange for a savings bond that is either issued by corporation or a
government the most common types of savings bonds are government issued
savings bonds and you can buy savings bonds by going to Treasury Directgov and
the link will be in the description below now today we're going to be doing
a comparison between AE bonds and I bonds so if you do watch the videos on a
yvonne's or AI bonds I cover both of them pretty undeath going over their
pages today we're going to be doing a comparison and then what a couple of
what the e bonds and I bonds don't really compare with each other with so
they are both they can be both people they are both electronic let's start off
by saying that paper EE bonds are no longer available but I bonds now are
still electronic through the website all website purchase bonds are electronic
but you can still purchase I bonds paper through your irs refund at the end of
the year so that's the main thing learn how they're different they also have
different interest rates issued the EE bonds currently have a fixed rate of 0.1
zero so the differences between the EE bond and the AI bond as far as interest
rate is they do have differ interest rates the AE bond has a fixed
interest rate no matter what time of the year recession or growth period you know
they always have a fixed rate for those 30 years the AI bonds they have a fixed
rate but then they also get an inflation rate so the current fixed rate of the EE
bond is point one zero the current fixed rate of the AI bond is zero percent
but the inflation makes it 1.96 percent because the inflation rate how are these
bonds the same both of them can be purchased for face value but EE bonds
can be purchased at half the face value available the both form all electronic
bonds they can be bought for $25 or more to the penny so you as example you can
buy an EE bond or an eye bond for 50 dollars and 23 cents the most you can
buy per calendar year for each secure social security number is $10,000
meaning that if your husband and you know your spouse husband and spouse
where to purchase a savings bond for a child they would have to have a social
security number to have that bond underneath their name but that specific
social security number could only have a $10,000 per year so I think this is a
really good idea savings bonds are really good for a long term
EE bonds especially so especially if you have a child who is currently one you
have a social security number you buy a $10,000 Cee savings bond you're
guaranteed to double in 20 years so you buy that when they're won by the age of
21 they that night they now have a $20,000 EE bond that they can use for
their first two year of higher education you buy second $10,000 EE bond when
they're two and now when they're the age of 22 now they have another $22,000 EE
bond that you know doubled now they have a total of $40,000 that they can use
towards their higher education which is the equivalent of what a bachelor's
degree this though in this generation you can use it for that sort of things
aye-aye bonds on the other hand they don't double after 20 years and we're
gonna showcase that in the graph coming up both of them can be redeemed after
twenty twelve months and no less than that both of them have an interest that
is earned monthly and compound semi-annually so the interest is earned
monthly but it doesn't compound and tell us semi-annually and it does earn
interest up to 30 years you can hear if you cash it before five years you do
lose the last three months of interest and they are both taxed at the federal
level but none of the state and of course we've talked about the tax
benefits and how the money can be used for higher education you you can get
excluded from having to pay taxes on your interest off the bond so if you
bought it for $10,000 you cash it out as soon as you hit a 20 year mark when it's
twenty thousand dollars you would only pay taxes on the ten thousand dollars
that you made but if you use that ten thousand dollars on higher education
then you could get it tax-free and you can just keep the ten
thousand dollars that you initially invest it into it so that's a good
breakdown of comparing EE bonds to AI bonds now we're gonna go ahead and I
have an example here if some of the bonds that I currently have and you can
see that the majority of them ee bonds we're gonna see that throughout
time this is 2014 here you can see the block here this shows that the next
external is in 2014 this is 2015 so the I the EE bonds here during the period of
19 the 90s they had interest rates of 4% and you can see that throughout the 2015
there's still 4% 2016 there's still 4% 2017 there's still four percent so no
matter what you purchased the EE bonds app they are still four percent now
these ones the EE bonds that I purchased for $1000 face value I only paid five
hundred dollars up front they're currently getting interest of one to
three percent meaning that some of these may not hit their face value in the next
ten years so some of them I bought in 2008 we're in the year 2017 now so
they're about 10 years they're not halfway there so if I wait ten more
years on these EE bonds they're guaranteed to be a face value of 1000
now I do have about two four six eight ten twelve fourteen sixteen one thousand
dollar bonds so that'll be 18 thousand dollars half of that is eight thousand
so I only paid $8,000 I'm going to be getting eight thousand dollars for my
initial investment of eight thousand dollars within a twenty year mark now
that ain't may or may not be good these were all purchased at a time when I
didn't really need the funds so I just sort of purchase them I did switched i
bonds these do have a little bit of a higher return you can see but they
aren't guaranteed to double in 20 years and you can see that there's
you know the thing with I bonds you can see right here this was bought for
$1,000 in the year 2008 it did not earn any interest I bought it for $1,000 it
had previously made an interest of a hundred and fifty five dollars previous
to that so this was the year 2014 so it took six years to earn a hundred and
fifty five dollars but in the year 2008 when the recession happened it didn't
earn any interest that is because if we go back to here we can see that the
interest rates for May 2008 was 0% for the fixed rate and the inflation rate
that year was also 0% so I earn 0% fixed rate and zero percent inflation rate so
that that's some reasons you may not always want to go for the i bonds oh you
know the e bonds are guaranteed to double in 20 years so you want to make
sure you're picking the right ones some other things to take a look at that in
the year the AI bonds are the other ones that we're going to be looking at here
and the AI bonds they do change per year so this is calendar year 14 there are
two point five nine calendar year 15 they're three point and two point
calendar year 16 they went down a little bit you can see they're now they're in
the one two percent range and now 2017 calendar year inflation is high this
year it's like two point six five percent someone run there you can see
that the interest rate on some of these is over four percent meaning that
they're trying to battle the current inflation night these ones are really
good at battle the inflation I mean I'm getting a four point one percent back on
a thousand dollars which you know right now it's about four hundred three
hundred dollars back in ten years which isn't great but it's
something right these are not guaranteed to double after ten years so a good
example there now let's go ahead and get into our graph now this is the main
important part that I want to show you guys is the difference between EE
blondes and I bombs now I created this little chart what $10,000 is your start
amount and this is just your interest and this is actually a very on point
scale so I can take the ski bond here as an
example and it was issue price 500 with 1.4 so 1.4% issued a $500 and we can see
here that this one okay this is the year 2017 so we're looking for 2017 that was
purchased in 2010 so seven years we can go here to the seventh year and it
should be worth five hundred and fifty nine dollars and four cents by the end
of the year the semi-annual amount so 555 and 559 so it should be right now
555 to 559 so I go over here whoops where is it 559 right here 555 and 559
so I go back to my chart here 555 whereas the was in Avon or era here 555
and 559 so right at 5:52 so this one doesn't actually hit its it just hit its
what 500 in 2007-2008 have been at seventh year so it would have actually
just started at seventh year in 2017 in may may 2017 so right here the beginning
of 2000 seventh here it would be 551 which is what it's that basically 552 so
you can see that this chart is pretty spot-on it is correct so let's go ahead
and continue with our demonstration here so let's go ahead and bump this up back
to ten thousand dollars with our interest of point one zero that we're
currently getting point zero zero one and of course is the percentage there we
go so after thirty years your initial investment of $10,000 in an EE bond will
be ten thousand three hundred and fourteen dollars but wait after twenty
years it's guaranteed to double to the face value so we paid we paid $10,000
but the face value of the bond is twenty thousand dollars so now at the twenty
thousand dollar mark it is now worth twenty thousand dollars at the 20-year
mark and by the end of the thirty years it is now worth twenty thousand dollars
two hundred and twenty one so that's very good
now over here the current interest rate is 1.96 for ten thousand dollars by the
10-year mark you will have made more than your 10-year mark for the EE bond
you have made about two thousand dollars more so if you are going for short-term
investments I bonds would be the way for you but if you're going for long-term
investments EE bonds would be the best for you
if you're looking at something over 20 years ie bonds are the way to go if
you're looking for something between 1 to 15 years I bonds would be the one way
to go but if you hit 15 years with an eye bond you should have went with an e
bond a Yvonne EE bond and just went 20 years because you would have doubled
your investment so again you start with $10,000 after 30 years your $10,000
investment at 1.96 the 14 thousand seven hundred and seventy one dollars so the
difference here is five thousand four hundred and fifty dollars that's a big
difference but this interest changes remember we had the inflation in our in
our savings bonds so I actually have you know 2014 2015 2016 2017 I have interest
rates that have fluctuated it's what we can do is we take the average of these
years and we'll just start with this first one right here let's go ahead and
actually grab the third one I'm going to use the third one as an example so two
point five nine plus third one is three point two five three point two five plus
two point nine five two point nine five plus four point one eight four point one
eight divided by four gives me an average of 3.2 inflation so 3.2 percent
is our new interest rate that is the average and average interest rate with
inflation so now after 30 years $10,000 with the
average of inflation added in gets as $18,000 eight hundred and sixty eighteen
thousand eight hundred and sixty eight dollars in ninety eight cents that has a
difference of one thousand three hundred and fifty-two dollars now the difference
isn't two you know it's a thousand dollars it's about a thousand dollars
off but you could have easily cashed out your AE bond at the 20 year mark where
it was worth twenty thousand dollars whereas your I bond is worth about
$16,000 that would have been a four thousand dollar difference right there
now the inflation it's not always guaranteed to move with this average but
you're a Yvonne is guaranteed to double to its face value after 20-year mark so
it's really up to you what you think is the best investment to be made for you
in your long term investments I think that's a good question for you guys to
kind of figure out if this is something you guys are interested in I think it
was a good video to kind of put out I think savings bonds are kind of
overlooked sometimes and they're not really invested and you can see that I
am invested in AE bonds and Islands and I plan to go long-term and hold these
out because you can see that the interest rate in 2014 was 45 2015 49
2016 57 2017 62 so I'm gaining a pretty nice
floo there you know between 15 and 16 I had nearly $1000 I'm trying to probably
had the same thing by the end of 17 and it's just gonna continue to increase and
compound in the years to come so that is it for this video I hope you liked it
remember to hit the subscribe button for additional videos and future videos
similar to this and hit the like button if you enjoyed the video my resource
page of course has free stock tools you can get the information and screen for
stock so check that out by clicking the link on the left hand side to go to my
website and subscribe by clicking the link on the right hand side if you have
any questions on bonds stocks or other in general questions or just want to say
hello please leave a comment and I will always reply thanks for tuning in and I
will see you next time bye
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Why Most People Never Reach Their Goals - Duration: 3:37.
Hey everyone it's Jesse here. Have you ever been in a situation where you
really wanted to change something in your life but no matter what you tried
you couldn't seem to make it happen? Maybe you wanted to get into better
shape but you don't go to the gym often enough or maybe you really wanted to
become an entrepreneur so you could create more financial and time freedom
for yourself but you've never been able to come up with a good business idea.
If you've never felt like this before guess what
you're human.
every one of us at one time or another
is faced with a challenge that we don't know how to fix
or we're totally in love with the goal that we have no idea how to reach.
I've always been fascinated by this dilemma
and as you probably know by now I spend
a lot of time studying productivity. And what I've learned is this: There's often
a very obvious reason why we find ourselves working really hard toward a
goal but not making any progress toward it... the easiest way to explain this is by
looking at a picture of a tree. Imagine a big majestic tree in the middle of the
summer it should be covered in big beautiful green leaves like all the
other trees but for some reason this one isn't. The leaves on this tree are looking
kind of brown and brittle. This tree represents an area of your life where
you feel things aren't going very well maybe your physical fitness starts
looking like the brown brittle leaves on that tree. It really bothers you that
you're out of shape and it bothers you even more that you can't seem to figure
it out and fix it. It's a big deal to you so you start doing everything you could
think of. You're wearing clothes that make you look thinner or more muscular, you're
trying some complicated new diet, maybe even buy one of those shake weight
things that you saw on TV, or one of those little pads that shock you in your
midsection and, you know, claim you can literally get a 6-pack laying on the couch
These types of things rarely ever work though because there's nearly always a
deeper problem, a root cause if you will, that's not being addressed. When we do these
types of things as shortcuts, the quick fixes, it's like spraying green paint on
the brown, brittle leaves of an unhealthy tree and then expecting things to
magically change. We desperately want the leaves to be green and beautiful again so we
try to make them green, but here's the thing: A healthy tree doesn't need any
help making its leaves green. Its leaves are naturally green! If you see that the
leaves on a tree are turning brown and brittle it's usually a sign that there's
something a lot deeper going on. In other words, when the leaves are not green the
problem typically has nothing to do at all with leaves.
If there's something in your life that's not working or there's a goal you really
want to reach that you just can't seem to figure out, resist the temptation to
spray paint the leaves green. Instead take the time to look below the surface
and take care of the roots. If you're having trouble getting in shape because
you can't seem to get yourself to go to the gym you, might realize that you don't
go to large gyms because they make you feel intimidated. After realizing this
you might decide to go to a smaller gym or you might decide to find a friend who
will go with you when you go. Getting in shape may sound like a massive and
complicated goal but it's very possible that maybe one small step like this
might get at the root of your problem, naturally making it easier to go to the
gym and naturally resulting in you being in better shape over time. The same thing
goes for big career goals like starting a business. If you really want to start a
business but you can't seem to come up with a good business idea, you might find
that you've been spray-painting the leaves there too. Maybe you have a habit
of chasing the next big thing or clicking on links that promise millions
of dollars with no work when you really should be asking yourself questions like:
What problems or frustrations in the world around me can I tackle and fix for
other people? No matter what the challenge is that keeps you awake at
night and no matter what the dream is that makes your heart race, it's time to stop
spray painting the leaves green. Take care of the roots and the leaves will become
green and beautiful on their own.
As always if you have questions or
experiences of your own to share, I'd love to hear about them in the comments below.
Talk to you soon!
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Who Says You Can't Mix Business And Pleasure - Duration: 1:59.
Hey everyone, I'm out at the park today and it's about three o'clock in the
afternoon on a little hike here and just walking through the woods on these
trails and now in the middle of this field made me think of something that
happens to me quite often. I've been different places -- at the beach and
on hiking trails, different places like that and had my laptop with me and been
sitting on a bench working or on the beach working or whatever and sometimes
people like to say things to me like: "Can't you leave your work alone even
just for a minute and just enjoy the beach or enjoy the hiking and the hike
around the woods or whatever?" And that's always interesting to me because I see
their point and you know it makes sense to be present wherever you are and
really be able to enjoy beautiful places like this and, first of all, I totally do
but second, you know it's three o'clock in the middle today on a Monday
afternoon, I've got work to do. So I if I've got to do work and I've got to be working
then it kind of makes sense to be doing it in a place that I love being that is
beautiful and where I'm really, really enjoying myself while I work. So I could
be sitting in my office -- sure, but for what I have to do today which is mainly
a lot of writing and planning and brainstorming, this makes a lot of sense
to me. So work doesn't really have to fit the mold that everyone else creates for
it. It doesn't have to be -- you don't have to be wearing a suit in a cubicle or in
an office in some corporate building to be productive and I think that's one of
the most beautiful things about entrepreneurship if you do it right.
The idea is to create the freedom to work in the way that is best for you and
most fulfilling and most rewarding.
Hope you guys enjoyed this have a great day
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The Sneaky Bad Habit That Makes You "Average" (And How I Broke It) - Duration: 3:41.
Hey everyone it's Jesse Lear. I want to tell you about one of the most valuable
lessons I've learned in the past year about entrepreneurship and even life in general.
And that is this: you should always go for the fruit at the top of the trees.
And let me tell you what I mean by that -- ever since I can remember
since I was a little kid I've always been the type of person who loved just
winging it. Not only did I love winging it but every time I did it it made me
feel like I was really smart, especially when it worked out right and I can
remember one time in particular when I winged it that I was particularly proud of
I was a student in college, I was a freshman, and I was in a health and
fitness class and there was one day I was at the cafeteria at school there
with a couple of my friends from the class when one of them said, "Hey Jesse
how do you feel about the midterm exam today?" My jaw dropped. I had no idea there
was a midterm exam that day and as soon as I found out that he was serious and
wasn't actually pulling my chain I immediately grabbed my books left lunch
and ran to a quiet place where I could cram for an hour before the midterm exam
Well in spite of all the stress and only one hour to prepare I passed the exam
and for months after that I bragged about passing the exam with one hour of
prep time and basically succeeding at it even though I had no idea that we even
had an exam that day. I felt proud of it then and that habit sort of went through
every area of my life up until about some point last year when I realized
how average this habit of mine was making me. Here's the thing: average people get
average results and when you're doing just enough to get by, you get just
enough to get by. It starts really honestly with little things. It's not
just building a company and using this principle of picking the fruit at the
top of the trees that just comes from nowhere, you start with little things.
Like I can remember one time recently when there was a storm
and I was picking up sticks to sort of clean up the yard after it and I was
carrying a bundle of sticks in my arms across the yard and a few of the sticks
were falling out as I was going. There was one little pile that had fallen out
that I left behind, it was just little tiny sticks and I figured well the mower will
run over them anyway, it's not a big deal. Well as I'm walking further and further
away from that pile I realized what I was doing and I stopped myself
I realized I was picking the fruit from the bottom of the trees, the low-hanging
fruit. I was just doing what was easy I was just doing what was convenient
And even though in terms of sticks on the ground it wasn't a big deal I wanted to
practice picking the fruit from the top of the trees. So I turned around went back
and I picked up that little pile sticks off the ground and carried them to the pile
with all the rest. Here's the thing: how you do anything in
life is how you do everything in life. Your little habits become your big habits
If you train yourself to do one thing when the situation doesn't mean anything
you're going to most likely do the same thing when the situation
means a lot. So you want to start with small things.
Don't just pick the low-hanging fruit on the tree that's what everyone else does.
If you want extraordinary success as an entrepreneur, if you want to beat your competition
you have to be better than they are and you have to do what they're not willing to do.
and that starts with picking the fruit from the top of the trees.
So if you've got any examples from your own life from winging it, when it's worked out or not
worked out or whatever or if you've tried like me picking the fruit from the
top of the trees for once and it actually worked out for you
you've experienced some sort of results from doing so, comment below let me know.
And if this post meant something to you, if you felt that it was valuable
feel free to share it and help us out in that way.
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