Talking about e-mail marketing and identity capital‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

Read time: 12 min

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“Challenges are what make life interesting and overcoming them is what makes life meaningful.”

–Joshua J. Marin

SOCIAL CAPITAL: Build a powerful network

The Ben Franklin Effect – Exploiting the Helper’s High

In the late 1700s, Benjamin Franklin was a politician in Pennsylvania. He wanted to win over a fellow state legislator without having to do the legislator any favors or pay him servile respect. Franklin employed another method which he describes in his autobiography:

“Having heard that [the legislator] had in his library a very certain scarce and curious book I wrote a note to him expressing my desire of perusing that book and requesting he would do me the favour of lending it to me for a few days. He sent it immediately and I returned it in about a week expressing strongly my sense of favour. When we next met in the House he spoke to me (which he had never done before), and with great civility; and ever after he manifested a readiness to serve me on all occasions, so continued to his death.”

We usually think that when and if people like us, then they do us favors, but the Ben Franklin effect shows us that it actually works the other way around, especially with people who don’t really know us well.

If the people who are our weak ties do favors for us, they start to like us. There’s a domino effect: they become even more likely and willing to grant us additional favors in the future. This is similar to the foot-in-the-door technique, the strategy of making small requests before larger ones.

Older, more successful people want to help because it’s good to be good. Plain and simple. In numerous studies, altruism has been linked to happiness, health, and longevity as long as the help is not overly burdensome. Keep in mind that Franklin was intentional and strategic with his ask. He made himself interesting, relevant, and did his homework on his target. He had a clearly defined ask.

Franklin explains that his experience puts truth to the old maxim, “He that hath once done you a kindness will be more ready to do you another that he whom you yourself have obliged.”

ACHIEVERS’ ARMORY: Equip yourself with proven tools & tactics

Campaigning To Your Audience

Every brand has at least three things in common. They have a story to tell, products to sell, and an audience to communicate with. Anyone with an idea for a business can usually nail down the story they want to tell. However, when it comes to selling products and talking to people, it can seem overwhelming. It helps to implement a process that allows you to e-mail your customers regularly to tell them your story, provide updates, and eventually sell your product. This is where Campaign Monitor can help.

Campaign Monitor is an e-mail marketing and automation tool that allows novice marketers to connect with their audience. This program will enable you to create eye-catching emails and landing pages to inform your customers of upcoming events, company updates, product launches, or anything else they need to know. It acts as a storage for all your customer emails and allows you to break them into separate lists depending on the type of customer.

What separates Campaign Monitor from similar programs is how easy it is to use. It’s powerful yet simple drag, and drop features allow you to choose what you want on each page and where you want it placed. This includes spaces for images, texts, clickable buttons, video, and even a countdown clock for big events.

The most impressive part is the successful companies they currently work with. To view there all-star line up of clients, click here.

SELF-DISCOVERY: Unleash the Achiever within

What is Identity Capital & Why You Need to Develop It

Erik Salomonsen was a blond-haired German boy, born to a dark-haired mother and to a father he never knew. His mother and adoptive father raised him Jewish. At temple, kids teased him for his fair complexion, and kids teased him for being Jewish at school. Erik was confused about who he was.

After high school, Erik traveled around Europe in search of himself, hoping to become an artist. He returned to Germany at 25, studied Montessori education, got married, started a family, and earned a degree in psychoanalysis.

He moved his family to the US, where he became a famed psychoanalyst. Even then, Erik held onto his boyhood confusions about his identity. Considering himself self-made, he changed his name to Erik Erikson, meaning son of himself. Erik Erikson coined the term “identity crisis” in 1950.

Erikson felt that an authentic identity is not something discovered overnight and advocated for a period of delay when youth can safely explore without risk or obligation. Say, college for some of us.

Part of the cure of this “identity crisis” is identity capital. Identity capital is our collection of personal assets. It’s the resources we collect over time and the investments we make in ourselves, the things we do well enough, or long enough, that they become a part of who we are. For Erik, it meant traveling alone in Europe, taking art classes, learning about education, and general exploration.

Erikson realized the importance of coming into one’s own and creating his or her own identity. Identity capital is how we build ourselves over time. It becomes the currency we use to get the things we want, nurture relationships, and establish our careers.

Those who take the time to explore and make commitments along the way construct stronger identities. They have stronger self-esteem, more perseverance, and are more realistic.

In his teens and twenties, Erikson grew up in a blended family, questioning his cultural identity and searching for himself. Only by going through this identity crisis and earning his identity capital, did he find himself.

MONEY: Become wealthy

When to Refinance a Mortgage

When the Federal Reserve lowers short-term interest rates, many people expect mortgage rates to follow. Avoid focusing too much on a low mortgage rate that you see advertised. Mortgage refinance rates change throughout the day, every day.

Your credit score and the equity you have in your home primarily determine your mortgage refinance rate.

When does it make sense to refinance?

The usual trigger for people to start thinking about a refinance is when they notice mortgage rates falling below their current loan rate. How record-low interest rates translate to a borrower depends on their individual financial situation.

But there are other good reasons to refinance:

  • If you’re looking to pay off the loan quicker with a shorter term.
  • You’ve gained enough equity in your home to refinance into a loan without mortgage insurance.
  • You’re looking to tap a bit of your home equity with a cash-out refinance.

Is it worth refinancing for half a percent?

An often-quoted rule of thumb has said that if mortgage rates are lower than your current rate by 1% or more, it might be a good idea to refinance. Such broad generalizations often don’t work for big-money decisions. A half-point improvement in your rate might even make sense.

Run the real numbers with a mortgage refinance calculator.

To calculate your potential savings, you’ll need to add up the refinancing costs, such as an appraisal, a credit check, origination fees, and closing costs. Don’t forget to check whether you face a penalty for paying off your current loan early. Then, when you find out what interest rate you could qualify for on a new loan, you’ll be able to calculate your new monthly payment and see how much, if anything, you’ll save each month.

You’ll also want to consider whether you have at least 20% equity in your home.

Will the savings be enough to make refinancing worthwhile?

You’ll spend an average of 2% to 5% of the loan amount in closing costs, so you want to figure out how long it will take for monthly savings to recoup those costs (your “break-even” point.

For instance, it would take 30 months to break even on $3,000 in closing costs if your monthly payment drops by $100. If you move during those 30 months, you’ll lose money in a refinance.

Keep in mind, if you become unemployed or furloughed because of the coronavirus, it can negatively affect your refinance application. If you become unemployed, you would not be approvable until you return to work, and the application fees — including appraisal — would typically not be refunded.

EMOTIONAL INTELLIGENCE: Master the soft skills

13 Ways to Say “No” Because Sometimes Being the Rejector is Hard

Whether it’s saying no to meeting with someone, for helping on an assignment, or donating to some cause at the grocery check-out line, sometimes it’s challenging to find the right words to say no.

Here are 13 ways to reject, nicely:

  1. I’m sorry I’m busy
  2. Thanks for thinking of me. I really wish I could.
  3. I’d love to, but I’m already overcommitted.
  4. Unfortunately, that’s not something I can do at this time.
  5. No thanks.
  6. I’m already booked.
  7. Maybe, next time.
  8. I wish I could, but I just can’t.
  9. I don’t think I’m the right person to help with that.
  10. Sorry, I can’t help you this time.
  11. Sounds fun, but I’m not available.
  12. That’s not going to work with me.
  13. Not today.


Numinous (adj.) describing an experience that makes you fearful yet fascinated, awed yet attracted-the powerful, personal feeling of being overwhelmed and inspired.

1% BETTER: Improve each day

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