Life Over Work: How You Can Balance Your Lifestyle

Stress can often times feel suffocating. It destroys relationships with both friends and family, and can leave you uninspired, and even hopeless. Don't let the stresses of work take over your life. With some simple steps you can detach your mind and body from work so that you can live a simpler, less stressful life when you go home to your family.

Make Home Feel Like Home

Don't let your home become a work space. That's what your office is for. Don't let your house become cluttered with projects, papers, invoices, and documents. These work-related items are constant reminders of what you've worked on or what you need to do tomorrow and in the coming weeks. With those reminders come stress and the thought of the future or past. Stay in the present by eliminating these reminders.

Boundaries and compartmentalizing things can help, as well. When I used to work from home, I used a spare bedroom as an office. This helped in a couple of ways - first, I was able to keep all my work-related stuff in that room so it didn't intrude into the rest of the house. Second, it provided a physical boundary that helped enforce the separation - when I went into that room, I was "at work" and when I left I was "at home." That kept me from working all the time, and also helped my family because they knew when I was available for home things and when I wasn't. Tricks like this help ensure that you feel at home when you aren't supposed to be working. 

If home still doesn't relax you, consider treating yourself to an act of self appreciation. Live a little with a gourmet gift basketfull of chocolates, cookies, or even some spa accessories, if you're a fan of baths.

De-stress Your Schedule

Most people don't schedule in downtime. Their daily planners or Google Calendars are filled with appointments, deadlines and obligations. Nowhere does it say spend a night out, or relax with a drink and watch a movie, or simply read. Schedule time for your hobbies, interests, time with the kids, or even volunteering. Selfless acts such as this can make you feel like something larger, and take your mind off the negative aspects of your own life.

More Meditation

Balance doesn't mean an equal amount of work and relaxation. Balance is achieved within the mind as much as with your schedule and actions. Meditation is a skill that can be learned and when learned is a practice of acceptance of the way things are, rather than the way you wish things were. A healthy habit of meditation, especially when you first wake in the morning, can start your day off right so you lead a more balanced day, even while at work. Studies have concluded those who meditate often respond better to stress, both physically and mentally.

I used to think that meditation was not for me, and was skeptical of its value. That has changed and I'm now a convert. Meditation isn't some new-age, religious kind of thing to me - it is a great way to slow down, focus, and mentally recharge.

If you're skeptical about meditation, or simply don't know where to start, Headspace is an accessible and friendly place to start with a free 10 day trial that introduces the basics of meditation. If you find this isn't enough, there is a subscription option that unlocks a plethora of guided meditations that focus on everything from stress and anxiety to creativity and relationships.

Exercise

Physical activity is proven to relieve stress. It pumps up your endorphins, which make you feel better and be generally happier. Exercise can take many forms. While the feel-good endorphins exercise releases are known as a runner's high, any exercise can give you the same effect. This includes a game of soccer, some ultimate-Frisbee, or a brisk, 20-minute walk around the block. Of course exercise is always more fun with a friend. Seek encouragement and partnership if motivation is a large obstacle for you - a workout buddy not only makes things more fun, it introduces some peer pressure that makes it more likely you actually go out and do something.

From my posts here, you may also realize that I'm a fan of exercise tracking gadgets. Not only do they help you track exercise and sleep, many of them can also notice when you've been sedentary for too long and remind you to get up, get out, and move around. That is a great way to make sure you don't get too focused on work and forget to take care of your physical health.

What about you - have you discovered techniques that help you lead a more balanced life? Leave a comment with your insights.

Hey - it's the future! Is it what you expected?

In the second “Back to the Future” film, the three central characters played by Michael J. Fox (Marty McFly), Christopher Lloyd (Doctor Emmett Brown) and Marty’s girlfriend Jennifer Parker (Claudia Wells) travel to October 21, 2015 in aflying car to save Marty’s kids from potential disaster.   Except for a few key oversights (the internet, mobile phones) and some rather ambitious future predictions, aspects of the world dreamed up by the writer Bob Gale are not far off reality.

OK - it is now October 21, 2015. It's the future - is it what you expected? What’s reality and what’s not? Check out this handy graphic for a taste - this is a great analysis, courtesy of Reed Elsevier's SciVal Trends Module:

Prosperity & Security: Growing Wealth & Protecting It

Financial independence is true independence. You work hard, but what does independence mean if all your wealth is tied to an office job or you have no flexibility to stop working? I've been thinking more and more about what happens "next" beyond a career, what kind of legacy building I want to strive for, and so on. There is no magic wand, but here are a few ideas that may help for growing your prosperity — and a few for holding on to it.

Mini-Retirements

Wait, isn't retirement the opposite of building wealth? While it may seem counter-intuitive, a mini-retirement or sabbatical has the potential to increase productivity when you come back refreshed. Companies in many sectors encourage sabbaticals.

A potential financial benefit of taking a sabbatical is that stepping away from the daily rush of the job can help you focus in on your values and what you need to build toward retirement. Brian Stoffel at the Motley Fool describes how his mini-retirement reshaped his family's financial life--for the better.

The mini-retirement led him to realize that consumption was not the key to financial strength or personal happiness. At Financial Mentor, Todd Tresidder frames it this way: You must control your spending so that your lifestyle lags behind your income. This will create available capital for your investment activities.

Leveraging Currency Exchange Rates

The dollar is stronger now than it has been for years. While this can be great if you're about to take that European sabbatical, what does it mean for the risk-reward ratio in leveraging currency exchange rates? Overall, individuals always take big risks when entering the world of currency exchange, so caution is warranted. As attractive as this sounds, this is probably one of those "don't try this at home" areas for most of us.

Investing in Gold

Over the years, you've probably heard a lot about this, including debates about whether gold trades more like a currency or a commodity. Fads in investing come and go, and yes, sometimes the price of gold goes down. Forbes contributor Henry Lo recently advised that its current low makes now a great time to jump in to the gold market--especially if you're taking the long view.

Unlike many other commodities, gold's ultimate value is intrinsic. While our cultural image of gold is one of opulence and decoration, gold has many uses in electronics, medical technology, and industry. It has unique applications that mean it will never become worthless, so it can serve as a bulwark against the vagaries of the world economy.

There are good ways and bad ways of investing in gold, due to the way laws work in many countries. If you want to invest in gold, I suggest consulting with an experienced financial advisor.

Avoiding Identity Theft

Regardless of the path you take to build your wealth, keeping your identity secure goes hand-in-hand with financial security.

According to the Bureau of Justice Statistics, an estimated 17.6 million Americans were victims of identity theft in 2014. People in all demographics are affected, but among racial groups, the BJS found that white people experienced identity theft at higher rates than all others. The process of rehabilitating your credit score can take time, and out-of-pocket monetary loss is not uncommon.

• In the analog world, you should have a paper shredder and never put financial documents in the trash. But now that so much of the world has gone digital, what’s the equivalent? Unfortunately, technology changes at such a fast pace that it’s hard to know what’s coming. Cybercriminals are constantly evolving new strategies that threaten your wealth.
• Investing in a service like LifeLock to monitor your data is crucial to ensure maximum identity theft protection. Stay up-to-date on the latest cyber security news and tips by following the LifeLock on social media as well.
• Don’t want to be a victim? Make sure your home computer has its firewall on, and always be sure to update your software — criminals love to exploit bugs in software that hasn't been updated.

Planning and Getting Help

If you don't know where to start, start with goals - what age do you want to retire, what kinds of things do you want to do after your career, etc. This approach will help you determine what your needs are, so you can determine what kind of nest egg you need to build.

When seeking help from professional advisors, I suggest using a "fee only" financial advisor - this is an advisor that doesn't sell products, doesn't get a commission from any of the things you invest in, etc. In other words, they are compensated by you which means their allegiance is to you, their customer. In the US, organizations like the National Association of Personal Financial Advisors (NAPFA) can help you find fee-only financial advisors. Your Credit Union may also have a good, objective advisor on their staff.

The main point here is to steer away from free financial advisors - if you aren't paying, you're no longer the customer, you're the product.

What about you? Do you have any advice to share? Please leave a comment below.

Can't afford a standing desk? Build your own for under $22

Lately, I hear about standing desks all the time - from podcasts, random conversations, and so forth. Recently, I started using one at work (we have a bunch of the ones from Varidesk at our office), and I love having the ability to stand up while working, particularly on conference calls.

If a standing desk sounds interesting to you, but you don't want to break the bank, here is a great option: build it yourself!

I got a tip about this from another person located in Portland, who kindly sent me a link to this infographic. Enjoy! If you decide to do this, let us know how you like the results.

Custom Logo Mats And Anti-Fatigue Mats

Tips When Volunteering Abroad

The adventure of a lifetime might be closer than you think. With volunteer opportunities available across the globe you can volunteer on orchards in New Zealand, guest houses in Iceland and farms in Patagonia. 

I've done several short-term volunteer projects, such as helping out at schools and non-profits in developing countries, and they are very rewarding. Lately, though, I've been taking to a number of people who are looking at longer-term projects - that sounds pretty intriguing.

If you're considering volunteering abroad, here are some tips on how you can make sure you are prepared for whatever may come your way while helping others in a distant land.

Tip 1: Be Aware of All the Costs of Your Program

There are many “free” volunteer opportunities, but what this typically means is that it doesn't cost you an enrollment fee in order to volunteer. While some “free” opportunities will provide room, and some go as far as board, don't be surprised if you are required to pay for your own accommodations, food, and even transportation.

Work exchanges are similar to volunteer work, but you typically work for a company and are rewarded room and board for your work. This is the model of the popular WWOOF program which operates all over the globe. Remember, the amount you work in exchange for room and board depends on the host you set yourself up with.

Tip 2: Use Trusted Resources to Find Opportunities

Sites like wwoof.net, projectsabroad.com, and volunteerforever.com are all wonderful resources for you to find your international volunteer opportunity. Wwoof.net lets you brows the globe for all the wwoofing opportunities in the world. Projectsabroad.com have free webinars which you can watch on a variety of subjects which concern the process of volunteering abroad, as well as live sessions. Volunteerforever.com has volunteer grants and scholarships you can apply for, as well as tips on crowd funding campaign. Help Exchange has many work exchange opportunities in places where WWOOF hasn't taken hold.

Tip 3: Invest in the Right Tech to Stay Connected to Loved Ones

When you volunteer abroad you might find yourself in a city, small town, or extremely remote area. Even if you get a cellphone in the country you visit, you might not have service in the town or village you find yourself in. You might consider a satellite phone. Satellite phones work anywhere in the world so you can always call for help, or get in touch with loved ones back home.

A laptop or tablet can make communications easier with loved ones as well. Even if you're in a remote area without internet, a computer or tablet can be helpful in your work with spread sheets, design tools, educational uses, and even for personal use when you're not working.

Tip 4: Make an Effort to Be a Good Ambassador

Remember, as a volunteer, you're still a representative of an organization or company. That's why you should take nice clothes. If you want the respect of the people you work for, work with, and represent, nice clothes can make you look official and in control of your situation.

If you plan to volunteer in a country you don't speak the language in, a phrasebook might come in handy. A smartphone can serve as such, but at times you may be in situations you rather not flash such an expensive item around. A phrasebook can help you get around and isn't a great loss if it gets damaged.