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One of the fastest-growing industries today is real estate. However, there have been tremendous changes witnessed amid the spread of the virus in 2020, causing global havoc. You might have bought or sold a house in the last few months, or you must know a friend who has sold or bought one. Regardless of where you are moving, either across the street or the country, you must understand this is part of a growing real estate strategy. As the pandemic continues to affect every aspect of our lives, even the real estate industry has not been spared.

Financial handles and the loss of jobs during the pandemic have compelled many people to stay at home while others work from home and the desire to check for low interest rates. Even as the pandemic affects financial earnings, this did not deter aspiring homeowners from purchasing their dream homes. Although there are high unemployment rates and the recession at hand, this trend will be experienced even in 2021. 

Notably, the real estate thrive is not coming to an end sooner. While you plan on buying or selling a house in 2021, here are some of the trends to look for in 2021.

Record-Setting Pace
Even as the houses keep selling, they are being sold at a record-setting pace. Although Covid-19 seemed like a death sentence for many businesses, this fueled real estate boost, translating to about 42 percent of home listings across the country to be sold in less than two weeks. According to the survey, some homeowners confessed that their home buying process was fast-tracked by the pandemic.

Although 2020 was a rush year, homebuyers can now relax since 2021 will not be a rush year since the typical home buying seasons went out.

Changed Budgets, Higher Prices
While the demand for homes went up during the pandemic, many home buyers have to lower their budget significantly. Recent shows that 63 percent of home buyers had to reduce their budget while another 65% of home buyers decided to back out of the deal. According to the expert’s home process, it will increase by about 5.7% in 2021 as real estate companies aim to reach greater heights.

Leaving Cities and Areas with High Taxes
Suburbs have seen increased demand for homes in these areas as people look forward to running from cities and high tax areas to help them save a few bucks. Many homebuyers have expressed their willingness to commute, increasing the demand for suburban homes. Notably, the real estate industry is expected to experience growth in 2021 as it was in 2020.



3 Real Estate Trends to Know About in 2021

Timothy Pagliara

Investing part-time is a great way to grow your savings without having to monitor price ticks every waking minute. But even if you're not pursuing investing full-time, you still have to carry the inherent financial risk associated with financial markets. Here are three tips to help you succeed as a part-time investor:

Be Systematic

Irrespective of how much investing you do, it's important to have a systematic approach rather than an emotional one. You cannot solely rely on gut instinct when choosing what asset to invest in. Having a technical strategy helps you avoid making bad investment choices and the consequent destructive impulses that follow, including overtrading and revenge trading. Fortunately, there is a surplus of highly technical systems that you can easily adopt to your own investment strategy. This includes quantitative analysis, small cap investing, sustainable investing, etcetera.

Choose Long-Term Positions

Investing on the side means you have a limited amount of time to devote towards managing your current positions as well as looking for new ones. It's best to stick with positions that materialize over a longer period of time, say several days to a couple of years. A buy-and-hold strategy is both low maintenance and relatively low risk since the position, if executed precisely, is less vulnerable to daily price volatility. Dividend and growth stocks are oftentimes the top picks for a long-term investment portfolio.

Set Boundaries

Investing should be thought of as a business rather than a hobby. Treating it like a hobby can result in financial losses. But by setting boundaries, you create a business that operates with clearly defined objectives, a predefined level of risk, and tools and resources that you can circle back to when you encounter issues. Some boundaries to establish include hours when you should be looking at financial markets, data points to focus on, risk and reward targets, maximum number of positions open at any given time, etcetera.

The success of any investment venture revolves around proper risk management. Before anything else, you should always control how much money you might lose at any given time with any of your open positions. By controlling risk, you allow your capital to appreciate in value without subjecting your account to sharp drawdowns.

		


3 Tips on How to Invest on the Side

Properly handling your personal finances is a skill that everyone needs to acquire. Unfortunately, there are far too many people in this country that do not know how to handle their money. Failing to learn these important skills can cause you to struggle financially for your entire life. There is no reason anyone with a decent job should be living paycheck to paycheck. These are the four most important tips to follow for finance beginners. 

Make Financial Calendar
Keeping track of all of your bills and other important financial information can be a little tricky. All it takes is one memory lapse for you to pay an expensive late fee. This is why it is important to use a financial calendar. Put the due dates of all of your bills on this calendar. You can even add the days you get paid, tax information, and other important dates to get a full view of your finances. 

Create a Budget
You will never be able to properly manage your finances without creating a budget. This will give you a detailed look at exactly where all of your money is going every month. Once you have allocated money for all of your necessities, you need to budget no more than 30 percent of your discretionary income for entertainment. Everything that is left over after this should go directly towards savings. 

Set Financial Goals
It is simply much easier to limit your spending and stick to a budget when you create financial goals. You will have more motivation when working towards something you desire. Making these goals finite is the only way to ensure you will not ignore them. Try to save a certain amount of money by an exact date. If you hit the goal, then you can treat yourself to something nice. 

Monitor Your Credit
It is a lot easier to go through life when you have good credit. You will never be able to get the car or house of your dreams if the banks cannot trust you with a loan. The easiest way to boost your credit score is by constantly monitoring your credit. The report will show the problem areas in your credit history so you know what you need to do to raise your score.



4 Finance Tips For Beginners For Long-Term Success

Business law covers two broad categories, one of which regulates matters of partnership, bankruptcy, and company operations. The other category addresses business transactions, such as contracts, sales, and negotiations. Commercial lawyers protect the interests of commercial enterprises against lawsuits and other problems threatening their livelihood.

Antitrust

Enterprises thrive when they grow and control as much market share as possible. However, they need to proceed legally. Antitrust lawyers make sure businesses don’t violate antitrust regulations or unfairly cut out their competition.

Bankruptcy

Bankruptcy lawyers assist businesses who have to make tough decisions during financial difficulties. If bankruptcy is the only viable option, a lawyer helps a company file for bankruptcy protection and takes them through the different steps of the process.

Sales of Consumer Goods

State and federal laws govern how businesses produce and sell their goods and services. Owners consult with lawyers to keep their working conditions, price controls, leases, contracts, bulk sales, and other transitions within the law.

Contract Drafting and Negotiation

Much of owning a business involves formulating and negotiating leasing agreements, contracts, and purchasing agreements. In addition to clearly written statues, these lawyers need to help clients be aware of common law, which refers to rules that aren’t written but commonly understood.

Employment

Employment law addresses employers’ and employees' rights under the law, including issues like wages, discrimination and sexual harassment, working conditions, and provision of health insurance and worker’s compensation. The majority of employment lawyers represent either employees or employers, but rarely both.

Immigration Law

Some businesses hire individuals from other countries, either temporarily or full-time. This is when immigration law and business law overlap. Companies hiring internationals need to know which rules to follow to make the hiring process go smoothly.

Intellectual Property

Businesses need to protect the products they invent and maintain exclusive rights to profit from them. These issues fall under copyright or intellectual property law. Intellectual property lawyers typically need a technical or scientific background to practice before the U.S. Patent and Trademark Office.

Tax

Paying taxes is a significant component of owning and operating a business. Tax lawyers help companies know what kind of taxes they need to pay and how they can legally reduce their tax burden.
		

Different Types of Business Law

Since the pandemic hit, businesses of all sizes have taken a hit. Many people that would otherwise be customers for small business have to carefully plan their purchases, making it challenging for these business owners to stay afloat. Unfortunately, this has forced many local businesses to close. 

For business owners who aren’t ready to throw in the towel, there’s a major strategy they can use to increase sales: marketing. Here’s a list of simple, cost-effective marketing strategies to increase customers during the pandemic. 

Make Customers Feel Important 
In these hard times, there are customers that want to visit their favorite local businesses but simply can’t afford to. Sending them something to know they’re important can help lift their spirits and makes them more likely to patronize businesses. 

Get Creative  
For business owners struggling to make ends meet, it’s a good idea to use some creativity and adapt. Of course, there are essential items most families need in this pandemic. By surveying loyal customers and finding out what they need most, small businesses can modify what they make to satisfy those demands. 

In addition to making physical products, surveying customers who miss their favorite places can help business owners create virtual solutions for in-person problems. For instance, if a small business makes a popular pastry, they can offer a virtual class on how to recreate it at home to make money. 

Take Advantage of Social Media  
With nearly 80 percent of Americans on social media, small business owners should definitely take advantage of these platforms. Simple gestures like posting more and interacting with current followers increase the likelihood of drawing in revenue. 

When a new product comes out and needs promoting, social media is a great way to do so, especially with more people shopping online. Starting a personal conversation or sending a direct message to existing customers are also effective ways to keep them updated. 

Until this pandemic passes, local business owners must find new ways to create revenue. With creative marketing strategies, small businesses can weather the storm.



Effective Marketing Strategies to Use During a Pan

Encouraging corporate compliance involves more than just setting up a list of rules that you expect your employees to obey. There's a process involved that starts with showing your employees that you take corporate compliance seriously. You'll need to create a system for gaining the cooperation of those in upper management and throughout your corporate infrastructure. Even after you lead by example in this manner, the following steps may be necessary in encouraging all of your employees to follow suit.

Implement a Code of Ethics
Your business should also follow a code of ethics that is made clear to everyone in the organization. From the very top, everyone in the organization should abide by this code and accept it as integral to their business dealings. The code of ethics you create for your business must encourage compliance with laws as well as establishing moral guidelines.

Keep the Lines of Communication Open
There should be a system of two-way communication between you and your employees to ensure the code of ethics is followed consistently. Accessible communication will make it easier for your employees to report violations of your corporate policies. Additionally, periodic reviews of your employees' compliance will help you root out problems before they spread.

Compliance Training is Essential
Everyone should receive regular compliance training, and the training should be customized to the positions of the employees. For example, your own internal compliance officers should receive the most comprehensive training to ensure they can recognize noncompliance wherever it may exist. Employees who regularly deal with third parties should receive training that focuses on discouraging bribery and corruption.

Deter Future Violations
Beyond raising awareness and increasing training, your corporation should implement a system for ensuring compliance. This should include monitoring corporate level transactions, such as mergers or trade deals, so unethical activity can be identified early. If you create a system for identifying and stopping incidences of noncompliance, you may be able to create an effective deterrent that will stop most violations.

Once you have a system in place for ensuring corporate compliance, it's necessary to review it on a regular basis. Just as you evaluate your employees for compliance, you should be reviewing your enforcement system for accuracy. Your corporate compliance rates will only be as good as your ability to enforce your corporate policies.
		


Encouraging Corporate Compliance

There is no question that the COVID-19 pandemic has forced a variety of unfamiliar situations on countless individuals, and this certainly includes attorneys. However, the new work at home atmosphere has created entirely new career landmines that could endanger your career. Here are five such examples, as noted by the American Bar Association.

Lack of Responsiveness

Legal ethics, standards of politeness, and common dictate that attorneys respond to their clients as quickly as possible. Failure to do so is not only against legal standards, but it could cost you a client. An era of instant communications means that you do have to respond to clients as quickly as humanly possible during normal working hours - and, sometimes, even after those. Make sure to always be able to do so.

Adjustment & Preparation to your New Environment

Working from home is exceptionally convenient, of course, but that won't let you off the hook for a failure to prepare on your part. You must always ensure that you are prepared to work from home and have everything you need, including access to fax machines, the ability to send certified mail, and all necessary equipment.. Furthermore, you always have to be prepared for the unfortunate contingency that your internet connection dies. What's your backup plan if this occurs?

Adjusting to Local Legal Rules & Regulations

If you are working from home, you may be expected to navigate a series of complicated, confusing and conflicting legal rules and regulations. It is on you to prepare for these regulations and ensure that you are meeting all local standards.

Cybersecurity

Being hacked is a nightmare scenario for anyone, but or an attorney, it can be particularly deadly. Remember, if you fail to take reasonable preparations to protect client security, privacy, and data, you are responsible. Working from home is no excuse for such an event occurring. 

Getting Lazy

If you are an attorney, odds are good that you know the meaning of hard work and its importance. Don't let the idea of working from home seduce you into getting too comfortable. This is still a difficult economic moment, and that means it is incumbent upon you to work as hard as possible and do everything you can to increase your billable hours. 
		


Five Ways to Jeopardize Your Legal Career

One young man is making a difference in the lives of kids in need by giving them sneakers. 22-year-old Nicholas Lowinger founded Gotta Have Sole, based in Rhode Island. He decided all kids deserve a good pair of tennis shoes.

Gotta Have Sole goes way back to Lowinger's childhood. He started volunteering at a homeless shelter when he was five-years-old. It hit him that children blocks from his home were living in poverty. He noticed the children didn't have any shoes. If they were wearing shoes, the shoes were falling apart.

Lowinger realized that poverty didn't have to be half a world away. He wanted to give other children an opportunity. At that time, he just thought everyone had sneakers. Gotta Have Sole has been providing footwear to those less fortunate since 2010. They provide brands like New Balance, Reebok, and Nike to over 100,000 children across the country. They work with 180 shelters.

Lowinger says the charity is important because footwear is an essential part of your attire. It helps children get to school. It helps them get an education and to play without worry about their lack of good shoes. He believes it is a huge part of childhood.

Gotta Have Sole doesn't just give kids a pair of shoes. It also gifts them a custom notecard and a pair of socks. Many families change shelters without much thought. They lose track of people. A custom notecard gives them the personal touch that they know they're loved, says Lowinger. He urges people to donate a homemade card when they donate shoes to Gotta Have Sole.

Lowinger and Gotta Have Sole offers multiple ways people can help the organization. Volunteers can help from their own homes, they can decorate cards, they can donate, and they can be the ones that hand the shoes to the children.

Lowinger believes that it doesn't matter your age, you can make a difference. He says all you need to do is take action. Besides giving sneakers to unprivileged children, Gotta Have Sole has many other programs. They also have a veterans program, a youth-led program, scholarships, and an annual tennis tournament. Gotta Have Sole is changing the world one foot at a time.


Gotta Have Sole

Mishandling a situation in the workplace can have disastrous effects on your career, including limiting your upward mobility. Yet, many people just don't know the best ways to manage a situation without making it worse for themselves or others. You can use this guide to navigate difficult situations in the workplace so you can maintain your professionalism.

Don't Engage in Office Politics
There's no good way to deal with office politics. When you try to navigate these situations, even your best intentions can lead you into a difficult situation. You'll end up leaving someone feeling betrayed or emotionally wounded, which can lead to even more difficulties in performing your routine tasks. The best solution is to avoid getting involved in office politics by separating yourself from the divisive cliques that are present in the workplace.

Dealing With Toxicity
Even in a workplace where there's a positive work culture, there's likely to be at least one toxic individual. Rather than feeding into that person's effort to bring down the entire team, take a step back and avoid the emotional traps they set. Instead, recognize your own tendencies towards negativity and try to change them. A toxic co-worker will recognize those traits and exploit them if you make that possible. Instead, embrace positive change in yourself to take away that toxic character's ability to affect you.

Coping With Tech Issues
Whether you work with computers or machinery, you undoubtedly deal with some type of technology on a regular basis. While a malfunction can be frustrating, it's better not to let it get to you. Instead, try to keep a light mood and laugh it off if you can. The important thing is to avoid panicking and to deal with the malfunction to the best of your abilities. Don't be afraid to ask for help when you need it. Chances are good that someone in the workplace has dealt with this problem multiple times and can show you how to solve it efficiently.

If you try these solutions and they fail to work or you face a different type of situation, the best thing to do is step away for a moment. Get a breath of fresh air or go pick up a healthy snack. Just a few minutes away from the situation will give you the chance to think about it clearly. When you return to it, you'll be able to deal with the problem rationally and calmly.



Handling Situations Within the Workplace 

Timothy J Pagliara talks about the different leadership styles. 

Identifying the Five Styles of Leadership

The future can feel scary. With many challenges to confront in an uncertain world, from pandemics to climate change and more, people may wonder what they can do to help. They may look at their children or other young people in their life and feel concern about their ability to cope with these issues. The next generations will be the people who must rise to the occasion and solve these problems, and it is important to invest in them to give them the tools to do so.

One ways for parents to do this is to focus on their own children. People who do not have children probably have nieces, nephews, cousins or friends with children. Spending time with them, encouraging them and mentoring them are all ways to help them prepare to be leaders in the future. Parents, relatives and loved ones can also set them up for success financially, literally investing in them by creating an investment account that they can draw on in the future.

Another way to invest in the next generation is to look to forward-thinking organizations. These might be focused on planting trees, sustainable living, support for entrepreneurs from minority backgrounds, helping people with their mental health and more. Businesses and even sole proprietorships can pledge a portion of their proceeds to these organizations, and promoting these donations can encourage others to do the same.

One of the most important elements of helping the world to be a better place is ensuring that people have access to education, and there are many ways to accomplish this. This could involve helping children in the local community or in other countries. Businesses or individuals could donate to help children buy textbooks or other supplies. Individuals could volunteer to tutor children or to help out in other ways. Searching online for charities and volunteer organizations can reveal many possibilities for getting involved.

While there are many challenges ahead, there are also many steps that can be taken now that will prepare younger generations to solve them. However, older generations have an obligation to lay the groundwork, helping out financially and in other ways to make sure that their children and grandchildren and those of their family and friends are ready to face the future.


Investing in the Next Generation


The future can feel scary. With many challenges to confront in an uncertain world, from pandemics to climate change and more, people may wonder what they can do to help. They may look at their children or other young people in their life and feel concern about their ability to cope with these issues. The next generations will be the people who must rise to the occasion and solve these problems, and it is important to invest in them to give them the tools to do so.

One ways for parents to do this is to focus on their own children. People who do not have children probably have nieces, nephews, cousins or friends with children. Spending time with them, encouraging them and mentoring them are all ways to help them prepare to be leaders in the future. Parents, relatives and loved ones can also set them up for success financially, literally investing in them by creating an investment account that they can draw on in the future.

Another way to invest in the next generation is to look to forward-thinking organizations. These might be focused on planting trees, sustainable living, support for entrepreneurs from minority backgrounds, helping people with their mental health and more. Businesses and even sole proprietorships can pledge a portion of their proceeds to these organizations, and promoting these donations can encourage others to do the same.

One of the most important elements of helping the world to be a better place is ensuring that people have access to education, and there are many ways to accomplish this. This could involve helping children in the local community or in other countries. Businesses or individuals could donate to help children buy textbooks or other supplies. Individuals could volunteer to tutor children or to help out in other ways. Searching online for charities and volunteer organizations can reveal many possibilities for getting involved.

While there are many challenges ahead, there are also many steps that can be taken now that will prepare younger generations to solve them. However, older generations have an obligation to lay the groundwork, helping out financially and in other ways to make sure that their children and grandchildren and those of their family and friends are ready to face the future.


Negotiations are something many people dread. Usually, fear holds people back. They don't want to appear rude, they think they don't have what it takes, or they're afraid of being told no.

The flip side is that many things are up for negotiation, from job salaries to home prices. Even saving a little bit off the price of something can result in serious savings over time.

Fortunately, you can minimize the stress of negotiations by planning for them. Doing even a modest amount of preparation can help in two ways. First, you'll feel a lot more comfortable trying to negotiate something. Second, you'll have facts and tactics ready when it comes time to the actual conversation.

In terms of preparing yourself for a negotiation, ask yourself these four questions:
What are you looking to get?
What's the least you will take?
What are you willing to give up or exchange if you need to?
How much do you know about the other party's position?


Don't assume that you have to have a poker face. You never want to overplay your hand, but when it comes to a first offer, you want to do something a little more sophisticated than just looking stone cold.

You never want to accept a first offer. First, you'll make the other party feel like they're bad at negotiating. Second, you can almost always do better. Even if their first offer is exactly what you want, or more, show some outrage at the number or offer, but also leave the door open. Ask them for their best offer.

Whatever you do during negotiations, don't ask questions that can be answered with yes or no. Kiplinger recommends that instead of asking someone if they have flexibility on a matter or price, ask them what flexibility they have. Get them talking to find out what's possible. Ideally, you'll only talk about a third of the time, because the more they run their mouth, the more you learn and the less likely you are to make mistakes.

Finally, know when to walk away. Don't do a deal just for the sake of it. Find another option and negotiate with someone else.



Negotiating Tips You Can Use

Timothy J. Pagliara shares his professional opinion on online job interview mistakes. 

Online Job Interview Mistakes to Avoid 

When it comes to saving money, some tips are worth keeping in mind whatever the circumstances. Maintaining a careful budget, for example, is a useful strategy in any economy. So is using cash so that you’re not tempted to overspend with your credit card. There are other strategies, however, that arise out of a particular set of circumstances.

At the moment, the economic situation is largely defined by the remarkably low interest rates. You should take this reality into account as you determine your saving strategies. Here are some tips to consider as you seek to make the most of the situation.


Worry More About Savings, Less About Where You Stash Them

In normal times, saving money is only half the battle. Once you’ve got a little set aside, you need to determine what type of account or investment will give you the greatest earnings in interest. With interest rates so low, however, finding the best option is no longer so important. When even bonds return so little, you could be excused just leaving your savings in a checking account. In this economy, it’s the savings themselves that matters.


Stay Disciplined

Since you can’t count on high interest rates to boost your savings, you need to be even more disciplined than usual about matching your saving goals. Your account isn’t going to grow much of its own accord, so you need to keep it rising by adding to it on a regular basis. Make sure you stick to your daily saving plan, and don’t allow yourself any infringements on your monthly budget.


Consider Investing In The Market

In a typical economy, you can leave your money in a savings account and count on regular growth. Without that option, you might need to get a little more adventurous if you’re hoping to see a return on your investments. The stock market is certainly a great way to increase your overall wealth, but it’s also risky. Make sure you have plenty of money stashed in secure locations before risking anything in the volatile market. Also, stick to mutual funds and similarly safe investments. Day trading or similarly risky maneuvers can cost you your savings in a heartbeat.
		


Strategizing Your Savings

Timothy J Pagliara talks about the benefits of active investments. 

The Benefits of Active Investments


Systemic change refers to the change that reaches most or all parts of the system. Systemic change is needed when efforts to modify a certain aspect of the system fail to mend the issue. At the present moment, the United States is in desperate need of a systemic change.

As a matter of fact, a substantial number of Americans want a structural change in their country. Following the results of the 2020 elections, it is evident that at the present moment Americans are aware more than ever of the economical issues at hand, climate change and its detrimental effects on the globe, systemic racism as well as of the need to urgently address the covid-19 pandemic.

The current Biden-Harris administration understands the imperative needs of Americans as well as the importance for societal change and a system that is just for everyone: indigenous people, black people, white people and people of color. Those who have resisted the opression in the system for a very long period of time have been working hard on dismantling the injustices in all parts of the current system and moving towards a better nation that is based on equity, diversity, liberty and freedom.

In addition to that, Americans now realize the importance of working as a group hand in hand rather than individually. Although individual efforts are certainly important, they are, however, not enough for inducing change at a large scale. The latter requires that Americans work together simultaneously in order to tackle everything that is wrong in the current system. The majority of Americans believe that by taking those crucial steps, they will be able to show love for both their neighbors and their country as well as move towards a country that they are proud to live in.

At the current moment, the United States has both the capabilities and the necessary tool in order to implement the needed changes. This will be done through policies that are just to everyone in this country and that advance climate action, economical recovery, that is equitable, racial justice, as well as solutions for the current covid-19 pandemic.

With the new Biden-Harris administration, the United States has a great opportunity for embracing the systemic change challenge and tackling it head on.



The Importance of Achieving Systemic Change

Timothy J Pagliara talks about the importance of community involvement. 

The Importance of Community Involvement

Investors have fought through turmoil amid the most unusual circumstances this year. Recent months have brought ups and downs based on political events, innovative ideas, and the global pandemic. Strategies like value investing have been put under the microscope as some analysts begin to reconsider their positions.

What is Value Investing?

A value investment strategy focuses on the purchase of stock in companies that the investor believes are presently undervalued. The litmus test is the trading activity of these companies over a brief period of time.

Trading price, activity levels, or both, determine if a company is trading below par. Value investors swoop up extra shares for lower than average prices. Everyone loves a bargain, right?

Which Companies are Suitable for Value Investors?

Value investors seek companies that are trading below their book value. This intrinsic value is similar to the manufacturer's suggested retail price (MSRP) of vehicles.

Stock analysts, not the manufacturer or company in question, set the suggested price in this case. They may use case studies, in-depth research, and even current news events to make their determination.

The idea behind value investing, or its counterpart growth investing, is rather simple. The strategy is based on how an investor thinks a company will perform.

Small startup companies with ingenious products or services are likely to fall into an expected growth category. The parent company or investment firm that seeds the money for such a start up may be considered a value investment opportunity.

Do Companies Move Between Value and Growth?

Trading markets can be bullish or bearish. Investors can be aggressive or conservative. Companies can be value or growth oriented.

Any of these labels are subject to change. In most cases, the change is gradual. Very little happens overnight in a normal trading market. When stock prices fluctuate wildly in a matter of hours, the catalyst for that change probably happened weeks ago.

The perception of a value stock or value company is somewhat left to the individual investor or analyst. For example, some investors prefer to trade in a specific industry or demographic region.

Value investors with such preferences may look at oil refineries trading for less than their peers, or stable but unknown South American companies. Both companies have potential for consistent increases, but will not be in the headlines tomorrow.



The Renewal of Value Investing


People at all stages in their careers work too much and neglect other areas of their lives far too often. This habit has become even more problematic with the transition to work from home opportunities. Having their work with them in the home gives people the opportunity to get more done with greater efficiency, but that may lead to spending that much more time overworking.

Leaders Can't Always Be There
As a leader, you know that you need to be available for your team as much as possible. When they have a problem, they will need to come to you to help them see things from a different perspective. Often, you can offer insights or solutions that they hadn't considered. However, you can't be there for them 24 hours a day.

If you are finding that your team is consistently needing your help, you should take the time to analyze the underlying problem. There may be a lack of training with one or two members of your team, forcing your entire team into a consistent "crunch time" state. Alternatively, there may be miscommunication between team members, leading to confusion and a lack of direction. Take the time to analyze the situation and implement solutions that help your team function more independently.

Team Members Should Be Taught to Work Smart
If you're not a team leader, you still have control over your own actions, and you should avoid taking on more than you can realistically handle. When you do so, you risk making unnecessary mistakes, and you'll be overworking yourself to the point of exhaustion. If your leader assigns too much work to you, it's better to speak up and ask for help.

Additionally, plan out your tasks for the day in advance. Unless you work in a situation in which you're consistently performing the same task over and over, you should map out a strategy for each day. By completing your most challenging tasks first, you'll get them out of the way and reduce the stress you feel. This leaves less pressing tasks for the later part of your day when you're not quite as energetic.

It often becomes difficult to see when we are overworking ourselves. To prevent falling into this type of cycle, you should set up a strict schedule and adhere to it. Even when you're working from home, outlining the hours you intend to work will help you create a more balanced routine.
		


Understanding When You’re Working Too Much 

Timothy J Pagliara talks about what makes a good leader.

What Makes a Great Leader?

Timothy J Pagliara shares his professional opinion on what an offer letter should look like. 

What to Look For in an Offer Letter

Timothy J Pagliara talks about why wealth management is important. 

Why is Wealth Management Important?

 In 2014, Tim founded The Main Street Growth & Opportunity Coalition, a national alliance of businesses, local trade organizations and concerned citizens committed to a common sense, pro-growth agenda for America. That same year, he founded Investors Unite, an organization representing Fannie Mae and Freddie Mac shareholders that seek full restitution of dividends seized by the Treasury Department. National news outlets regularly ask Tim to speak on these issues.

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