This is where you are just getting started, you are just looking to survive so you subsist on taking any project that you can. It doesn't matter how much they pay.The Goal of this stage is to gain experience at all costs. To get better, to push forward and acclerate your learning so you can start thinking as an actual freelancer.<ul><li>Try your best to land projects, get a couple of projects under your name.</li></ul>

Stage 1- Getting Started

Projects are rolling in more consistently <ul><li>Your day to day work gets a lot less stressful</li></ul>3 Very important factors in stage 2<ol><li>The price of your project</li><li>The Quantity of Projects</li><li>The turnaround time it takes for you to finish the project</li></ol>You need to figure out how to increase your Monthly Revenue Rate, itis recurring payments

Stage 2-  Raise your Revenue and Skills

<ul><li>Share your work, make it that multiple times a day people are seeing your work, make sure you focus on marketing as well</li><li>You want to get to the point were you have a line of people waiting to buy your design services</li></ul>

Stage 3 - Increase your chances of landing Clients

Diversifying your design business is very important here are a few ways that you can diversify<ol><li>Working with Multiple Clients</li><li>Having part time employement and still freelancing</li><li>Work as a part-time consultant </li><li>Offer consulting calls </li><li>Create a Course</li></ol>

Stage 4 - Diversify

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Join my private training platform for web designers: https://www.paitpro.com 🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳 Other helpful videos to earn more as a designer: 🎥 Make $1,000 per day as a designer https://youtu.be/djX8Ea4ya3o 🎥 How to charge $10k for a website https://youtu.be/HPc9DsZ4hEY 🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳 CHAPTERS 0:00 Intro 0:41 Phase 1 2:56 Phase 2 6:43 Phase 3 8:42 Phase 4 🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳🔳 4 Steps to $10,000 per month as a designer

moneyandinvestments

Money & Investments

business

Business

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Other helpful videos to earn more as a designer:

🎥 Make $1,000 per day as a designer
https://youtu.be/djX8Ea4ya3o

🎥 How to charge $10k for a website
https://youtu.be/HPc9DsZ4hEY


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CHAPTERS

0:00 Intro
0:41 Phase 1
2:56 Phase 2
6:43 Phase 3
8:42 Phase 4

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4 Steps to $10,000 per month as a designer

Hi! I'm Payton👋🏻

I am a #webdesigner, #entrepreneur and #founder of three different six-figure businesses. 

I have an agency (Pait Digital)
An education platform (Pait Pro)
An SEO course (SEO and Webflow)

I make lots of videos here on my channel about what I have learned from growing and running my businesses. 

I also share tips on #webflow #freelancing #buildingabrand #productivity #nocodetools and tons more! 🔥

Hope you enjoy my stuff 👊🏻


Payton Clark Smith

4 Steps to $10,000 per month as a designer

Benjamin Graham Principals On Investing

A stock is not just a ticker symbol or an electronic blip; it is an ownership interest in an actual business, with an underlying value that does not depend on its share price.

What Is Stock

The market is a pendulum that forever swings between unsustainable optimism (which makes stocks too expensive) and unjustified pessimism (which makes them too cheap). The intelligent investor is a realist who sells to optimists and buys from pessimists.

And The Market?

The future value of every investment is a function of its present price. The higher the price you pay, the lower your return will be.

Value 

No matter how careful you are, the one risk no investor can ever eliminate is the risk of being wrong. Only by insisting on what Graham called the "margin of safety"-never overpaying, no matter how exciting an investment seems to be can you minimize your odds of error.

Risk?

The secret to your financial success is inside yourself. If you become a critical thinker who takes no dalal street "fact" on faith, and you invest with patient confidence, you can take steady advantage of even the worst bear markets. By developing your discipline and courage, you can refuse to let other people's mood swings govern your financial destiny. In the end, how your investments behave is much less important than how you behave.

The Financial Success

Help you to understand basics of investing

“By far the best book on investing ever written.” — Warren Buffett The classic text of Benjamin Graham’s seminal The Intelligent Investor has now been revised and annotated to update the timeless wisdom for today’s market conditions. The greatest investment advisor of the twentieth century, Benjamin Graham, taught and inspired people worldwide. Graham's philosophy of "value investing"—which shields investors from substantial error and teaches them to develop long-term strategies—has made The Intelligent Investor the stock market bible ever since its original publication in 1949. Over the years, market developments have proven the wisdom of Graham's strategies. While preserving the integrity of Graham's original text, this revised edition includes updated commentary by noted financial journalist Jason Zweig, whose perspective incorporates the realities of today's market, draws parallels between Graham's examples and today's financial headlines, and gives readers a more thorough understanding of how to apply Graham's principles. Vital and indispensable, this revised edition of The Intelligent Investor is the most important book you will ever read on how to reach your financial goals.

philosophy

Philosophy

Discover the world of business and economics.

economics

Economics

personaldevelopment

Personal Development

books

Books

The classic bestseller by Benjamin Graham, perhaps the greatest investment advisor of the 20th century, The Intelligent Investor has taught and inspired hundreds of thousands of people worldwide. Since its original publication in 1949, Benjamin Graham's book has remained the most respected guide to investing, due to his timeless philosophy of "value investing," which helps protect investors against the areas of possible substantial error and teaches them to develop long-term strategies with which they will be comfortable down the road.Over the years, market developments have borne out the wisdom of Benjamin Graham's basic policies. Here he takes account of both the defensive and the enterprising investor, outlining the principles of stock selection for each, and stressing the advantages of a simple portfolio policy. Among the book's special features are the use of numerous comparisons of pairs of common stocks to bring out their elements of strength and weakness and the construction of investment portfolios designed to meet specific requirements of quality and price attractiveness.The Intelligent Investor may be the most important book you will ever read on making your investments a success."The Intelligent Investor is the best book ever written for the stockholder," says author and investment counselor John Train. Benjamin Graham's classic work offers sound and safe principles for investing-principles that have worked for more than forty years since the first edition was published. With an introduction and appendix by Warren Buffett, one of Graham's most famous students in investing strategy, this book takes account of both the defensive and the enterprising investor."By far the best book on investing ever written." -- Warren E. Buffett"There have been other good books written about money since 1841, but only a few hold up. The best known and most likely to make you money is The Intelligent Investor." -- Andrew Tobias"Graham ranks as this century's (and perhaps history's) most important thinker on applied portfolio investment." -- John Train, author of The Money Masters

Benjamin Graham was a British-born American economist, professor and investor. He is widely known as the "father of value investing", and wrote two of the founding texts in neoclassical investing: Security Analysis with David Dodd, and The Intelligent Investor.

Benjamin Graham

The Intelligent Investor

The Intelligent Investor, Rev. Ed

Many people today believe that if you have good design skills and continue to grow in your knowledge of design you will automatically get more money and start making a higher profit.Many people have realized that, that viewpoint just isn't the case and it isn't true.

Better Design Doesn't Equal More Money

People need to understand the value that you can provide to the companies that may hire you. Being good at design is awesome, but it only works if other people know how good you are and what kind of value you can provide.Two ways to position yourself<ul><li>Create content/ a brand</li><li>Become an expert and showcase your skills</li></ul>

Position Yourself

Don't come into a client meeting talking about hourly billing or how much hours a project will take, rather start thinking about What value will I create for the business with the design or content I am going to create. When you start thinking about the value, you can move to value based pricing and then increase your rates.

Stop Selling hours rather sell value

You don't have to start a youtube channel or get a ton of followers on Instagram, but building a brand is benefical and important if you want to position yourself as an expert in the design field.Some ways you can do that is <ul><li>Posting your designs on design platforms like dribbble or behance</li><li>Going on linkedin or twitter and communicating with other designers </li></ul>

Build a brand as a designer

If you don't want to do the work then automate and outsource it to either people who are better at doing it than you or people who are faster and cheaper, thus freeing your time to focus on things that you enjoy doing.

Automate and Outsource

Systems and processes enable you to start a project very easily and keep a project moving. Creating systems and processes will make all your design work go much smoother and help your clients as well.

Build systems and processes 

These tips can help you make more money in the world of design

Designers don't make more money by simply being more talented; they make more money by being better at business. Here are some key steps to improving your bottom line as a designer:... Remember to Subscribe https://goo.gl/6vCw64 1. Position yourself: Position yourself as an authority in your field, and become an expert in your niche. Showcase your work and expertise on social media and other platforms. 2. Don't sell hours, sell value: Focus on the value you bring to the table, rather than how many hours you worked. Develop a pricing structure that rewards you for the quality of your work. 3. Build a brand as a designer: Develop a strong brand and identity to differentiate yourself from the competition. Create a memorable tagline and logo, and use them consistently across all of your marketing and promotional materials. 4. Automate and outsource: Take advantage of automation and outsourcing to free up your time and energy. Automate tasks where you can, and outsource those that you can't. 5. Build systems and processes: Develop systems and processes to streamline your workflow and make it more efficient. The more efficient your workflow, the more you can scale up your business and increase your profits 🏆 //////////// Join my members community to get access to perks: You can get this starting and ending design file https://learn.jesseshowalter.com/members ------------------------------------------------------------------------------------ 🤝 //////////// My Courses, Templates, Free E-Books, & 1:1 Mentorship https://learn.jesseshowalter.com/ 👋 ////////// Follow me on Social Instagram: https://www.instagram.com/iamjesseshow Twitter: http://twitter.com/iamjesseshow 📫 ////////// Sign up for my Monthly Newsletter www.jesseshowalter.com/newsletter ------------------------------------------------------------------------------------ 🖥️ ////////// I build most of my websites using Webflow https://webflow.grsm.io/1976712 🎵 ////////// Take your films to the next level with music from Musicbed. Sign up for a free account to listen for yourself: https://fm.pxf.io/c/1372011/1347628/16252

career

Career

Designers don't make more money by simply being more talented; they make more money by being better at business. Here are some key steps to improving your bottom line as a designer:... Remember to Subscribe https://goo.gl/6vCw64 

1. Position yourself: Position yourself as an authority in your field, and become an expert in your niche. Showcase your work and expertise on social media and other platforms.
2. Don't sell hours, sell value: Focus on the value you bring to the table, rather than how many hours you worked. Develop a pricing structure that rewards you for the quality of your work.
3. Build a brand as a designer: Develop a strong brand and identity to differentiate yourself from the competition. Create a memorable tagline and logo, and use them consistently across all of your marketing and promotional materials.
4. Automate and outsource: Take advantage of automation and outsourcing to free up your time and energy. Automate tasks where you can, and outsource those that you can't.
5. Build systems and processes: Develop systems and processes to streamline your workflow and make it more efficient. The more efficient your workflow, the more you can scale up your business and increase your profits

🏆 //////////// Join my members community to get access to perks:
You can get this starting and ending design file
https://www.jesseshowalter.com/design-champs

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Jesse Showalter shares Digital Design & Web Development videos each week focusing on tools, techniques, projects, and more to help creative people make amazing things. If you're an aspiring Web Designer, UI Designer, or Front-End Developer who is interested in creating awesome things in pixels and code, make sure to subscribe for helpful training videos. 

The channel focuses on topics such as web design and development including but not limited to HTML, CSS, Sass, Javascript, Design Principles, User Experience, Interface Design, MODX, Open Source Stuff and more. Please subscribe and say hi in the comments so we can all be a happy internet family.

Jesse Showalter

Better Design Doesn't = More Money

If it’s not going to matter in five years, don’t spend five minutes thinking about if an object in your home is a keeperIf you are not 100% sure you need it, then it’s a 100% no, it should not be kept anymore.

The Elsa Rule: "Let It Go"

Anything you don't need for 6 months is something you should get rid off (or sell to earn something out of it).

The 6-Month Rule

Acquiring less but to purchase “quality” items around the house (eg. quality pots; unbranded yet quality clothing neither cheap nor expensive but works for your ‘OOTD’)By doing this, you get comfort and practicality.

Less, But Better

Planning in advance helps us to commit to it so we are sure it’s gonna happen.Building a system means organizing your things in a way that will contribute to how you live and how you create your habits.

Have A Plan / Schedule / System

Having a cabinet, a drawer, and a cupboard, that fits your lifestyle and system, helps greatly in decluttering and keeping the house clean and orderly.Have custom-made storage designed and built by you, to be sure it will be the right fit (either built by you, a carpenter, or from ready-made furniture from stores

Use Storage

“A capsule wardrobe is a limited selection of interchangeable clothing pieces that complement each other. These are often classic pieces that do not go out of style and are primarily composed of neutral colors. A capsule wardrobe allows you to create a variety of different outfits with a small selection of clothes.” - from sustainably-chic.comThis can help you save more from buying too many clothes, and not have to think about too much clutter in the cabinet.

Build A Capsule Wardrobe

“Keep your life as simple as possible.”

Having a clutter-free home doesn't have to be a daunting task. It's all about finding a system that works for you and your lifestyle and sticking to it. Whether it's doing a daily tidy-up, regularly purging items that you no longer need, or investing in storage solutions, the key is to consistently maintain your personal space and make organization and cleaning a habit.

Gabe Bult's rules help free ourselves from home clutter, which in turn can help us become better, more efficient people.

productivity

Productivity

fashion

Fashion & Beauty

habits

Habits

timemanagement

Time Management

Be Free of Home-ly Clutter

2021 was a great year for growth stocks. SPDR S&P 500 ETF Trust  SPY   an ETF that tracks the performance of the S&P 500 index was up 33% but 98% of all growth managers failed to outperform that benchmark.  Take it out “long term” and 90% of all domestic equity funds underperformed the S&P Composite 1500 Index over the past 20 years.

98% Of All Growth Managers Fail To Outpref

The financial industry loves to talk about long-term investing, but what is long-term?  Well, according to the IRS, long-term is 12 months and 1 day.  Anything less than that is considered short-term from a tax perspective and taxed at your ordinary income tax rate.

Long-Term Investing Defined

Think about when the calendar turns a new year. The investment community parades out all their strategists, analysts and economists with their predictions for the upcoming year. Which stocks, growth or value, which sectors, technology or healthcare, are going to outperform over the next 12 months? Where will the markets end the year, and what about interest rates? Rarely have we seen in 36 years of experience predictions for the next five years, or decade, as to what they think will happen.

Pointless Predictions

Why is that? Maybe it’s because, if you actually follow their predictions, you’d realize just how wrong they are. LCM Capital Management (LCMCM) likes to call them “annual guesses.” The word “guesses” sounds unprofessional, but the reality is, that is what they are. Do yourself a favor and stop paying attention to them. They are no better at it than you or LCMCM.

Guessing Is More Accurate Than Predictions

The reason the industry does not believe in actual long-term investing is because it tends not to generate fees. When money is in motion, it generates fees and fees are good for business but not always good for the investor or client, especially over the long-term. Gene Hochachka, from Frontier Financial, recently <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3982739">published a report </a>abstracting data from Morningstar looking at active mutual funds turnover. Turnover is the percentage of a mutual fund’s holdings traded annually.

Long-Term Investing Fallacy

He looked at the data from 1991-2020, i.e., long-term. The average annual turnover for US Large Cap funds was 73%. To put this in perspective, 100% turnover means the portfolio is traded (turned over) completely in one year. So, 73% is approximately three quarters of the portfolio turned over every year. So why would they do this? You would think it is to improve performance, right? The manager is selling bad stocks and buying what they consider to be good stocks or selling ones that have gone up and buying the ones that have gone down.

High Turnover Rate

Yet Mr. Hochachka found that, “any other relationships between turnover and returns are similarly not borne out consistently across the various categories over time. Over this [30-year]period, high turnover does not hurt fund performance. Nor, however, does it enhance performance ” So why do it then?  To quote Rod Tidwell from Jerry McGuire, “show me the money” because it’s all about the money, i.e. the fees. Our industry thrives on them and needs them to support their yachting habits.

Turnover Verses Performance 

Someone once said, the only way to make a lot of money on Wall Street is to start a mutual fund.  Ever look at the Forbes 500 list of the wealthiest people in the world – you might be surprised to see how many hedge fund managers, money managers, and venture capitalists are on the list.  Why are their clients not on the list?

Who Gets Rich - You Or Wall Street 

S&P Dow Jones Indices just came out with their annual <a href="https://www.spglobal.com/spdji/en/documents/spiva/spiva-us-year-end-2021.pdf">SPIVA Survey </a>on the performance, or should we say underperformance, of active mutual fund managers versus their stated benchmark.  Like the Forbes 500 list, the facts might surprise you.

Undererformance Report 

The reason the industry talks the long-term investing game, but doesn’t walk the walk, is because, according to the SPIVA report, of the funds that have been around for 10 years, 86% of them underperformed their benchmarks.  Not exactly something to be bragging about, wouldn’t you agree?

86% Rate Of Underperformanc

So if trading within your mutual fund does not help performance, what does?  Stock picking, market timing, risk adjusted returns?

Strategy?

You probably have heard the term “a stock pickers market” at some point in your investing career or if you are just starting, you will at some point. It is especially true in volatile markets like we have in 2022 and definitely had in 2021. In 2021, according to the SPIVA report, it was a great year for growth stocks. The S&P 500 Growth Index was up 33% but 98% of all growth managers failed to outperform that benchmark.

98% Growth Managers Underperform (2021)

You probably have heard the term “a stock pickers market” at some point in your investing career or if you are just starting, you will at some point.  It is especially true in volatile markets like we have in 2022 and definitely had in 2021. In 2021, according to the SPIVA report, it was a great year for growth stocks.  The S&P 500 Growth Index was up 33% but 98% of all growth managers failed to outperform that benchmark.  Take it out “long term” and 90% of all domestic equity funds underperformed the S&P Composite 1500 Index over the past 20 years.  As a result of these facts, mutual fund managers like to counter with a claim that on a risk-adjusted basis they will outperform.  Once again, this is simply not true.  According to the SPIVA report, 95% of these same managers underperformed their benchmark on a risk-adjusted basis over the same 20-year period – so much for that claim.

This dismal performance however does not take into account all fees and costs. Yes, the performance figures from the report are adjusted to include fees but not the mutual fund loads, if any. Yet what about the fees you are paying your advisor or broker?

The Consumer Foots The Bill For Fees And Costs

This dismal performance however does not take into account all fees and costs.  Yes, the performance figures from the report are adjusted to include fees but not the mutual fund loads, if any.  Yet what about the fees you are paying your advisor or broker?  What about the taxes you paid if your mutual funds are not held in an IRA type of account? (<a href="https://www.bloomberg.com/news/articles/2022-05-02/vanguard-investors-were-hit-by-huge-surprise-tax-bills-now-they-re-suing">Please see Vanguard Target Date Lawsuit 2021 </a>.)  If you add these two components into the equation, LCM Capital Management would ask, now what’s the underperformance of the active mutual funds against their benchmark, 99%?  We can’t say for sure, but in our opinion, clearly the odds are stacked against you.

So why is this the case? Academics have known for decades that active stock pickers underperform, according to an <a href="https://www.linkedin.com/pulse/active-investors-had-awful-year-2021-market-surged-what-bob-pisani">article from CNBC’s Bob Pasani </a>where he references this SPIVA report. Why is that? There are many reasons, some of which are; too much trading (see portfolio turnover above), trying to time the market moves (market timing is impossible to do consistently over time), and the all-in mutual fund fees and related costs are too high.

Fees And Costs Are Too High

Jack Bogle, the deceased founder of Vanguard once <a href="https://graciousquotes.com/john-bogle/">said </a>, “Before costs, beating the market is a zero-sum game. After costs, it is a loser's game." "Fund performance comes and goes. Costs go on forever.”

Don't "Play" A Loser's Game

We consider mutual funds to be the Great American Rip-off.

Bottom Line

2021&nbsp;was a great year for growth stocks.&nbsp;SPDR S&amp;P 500 ETF Trust&nbsp;(NYSE: SPY)&nbsp;an ETF that tracks the performance of&nbsp;the S&amp;P 500 index&nbsp;was up 33% but 98% of all growth managers failed to outperform that benchmark.&nbsp; Take it out &ldquo;long term&rdquo; and

crypto

Cryptocurrency

problemsolving

Problem Solving

Mutual Funds - The Great American Rip-Off - SPDR S&P 500 (ARCA:SPY)

<ul><li class="ql-align-justify">Making money is not a thing you do - it's a skill you learn.</li><li class="ql-align-justify">Getting rich is about knowing what to do, who to do it with, and when to do it.</li><li class="ql-align-justify">You’re not going to get rich renting out your time. You must own equity — a piece of business — to gain your financial freedom.</li><li class="ql-align-justify">Arm yourself with specific knowledge, accountability, and leverage.</li></ul>

Understand How Wealth is Created

<ul><li>Specific knowledge cannot be taught, but it can be learned.</li><li>Specific knowledge is found much more by pursuing innate talents, your genuine curiosity, and your passion. </li><li>You do need to be deep in something because otherwise you’ll be a mile wide and an inch deep and you won’t get what you want out of your life. </li></ul>

Find and Build Specific Knowledge

“Escape competition through authenticity”

<ul><li>People seem to think you can create wealth—make money through work. It’s probably not going to work.</li><li>Without ownership, when you’re sleeping, you’re not earning. When you’re retired, you’re not earning. When you’re on vacation, you’re not earning. And you can’t earn nonlinearly</li><li>If you don’t own equity in a business, your odds of making money are very slim.</li><li>The real wealth is created by starting your own companies or even by investing. In an investment firm, they’re buying equity. These are the routes to wealth. It doesn’t come through the hours.</li></ul>

Build or Buy Equity in Business

<ul><li>The meaning of life is to do things for their own sake. Ironically, when you do things for their own sake, you create your best work. </li><li>The less you want something, the less you’re thinking about it, the less you’re obsessing over it, the more you’re going to do it in a natural way. </li><li>Knowledge workers function like athletes — train and sprint, then rest and reassess. </li></ul>

Find a Position of Leverage

<ul><li>To get rich without getting lucky, we want to be deterministic. We don’t want to leave it to chance. </li><li>Build your character in a certain way, then your character becomes your destiny. </li><li>Be a maker who makes something interesting people want. Show your craft, practice your craft, and the right people will eventually find you. </li></ul>

How to get Lucky

<ul><li>You have to enjoy it, and keep doing it. Don’t keep track, and don’t keep count because if you do, you will run out of time. </li><li>It takes time — even once you have all of these pieces in place, there is an indeterminate amount of time you have to put in</li></ul>

Be Patient

"In an age of leverage, one correct decision can win everything"

<ul><li>The really smart thinker are clear thinkers. They understand the basics at a very, very fundamental level.</li><li>What you feel tells you nothing about the facts— it merely tells you something about your estimate of the facts. </li><li>It’s actually really important to have empty space. If you don’t have a day or two every week in your calendar where you’re not always in meetings, and you’re not always busy, then you’re not going to be able to think.</li><li>It’s only after you’re bored you have the great ideas. It’s never going to be when you’re stressed, or busy, running around or rushed. Make the time.</li></ul>

How to Think Clearly

<ul><li>Mental models are really just compact ways to recall your own knowledge.</li><li>Reading science, math, and philosophy one hour per day will likely put you at upper echelon of human success.</li><li>What are the most efficient ways to build new mental models? — Read a lot. Just read.</li></ul>

Collect Mental Models

<ul><li>The three big ones in life are wealth, health, and happiness. We pursue them in that order, but their importance is reverse.</li><li>Happiness is really a default state. Happiness is there when you remove the sense of something missing in your life.</li><li>A happy person isn’t someone who’s happy all the time. It’s someone who effortlessly interprets events in such a way that they don’t lose their innate peace.</li><li>Desire is a contract you make with yourself to be unhappy until you get what you want.</li><li> </li></ul>

Learning Happiness

<ul><li>Happiness is being satisfied with what you have. Success comes from dissatisfaction. Choose.</li><li>If you’re peaceful inside and out, that will eventually result in happiness.</li><li>You can get almost anything you want out of life, as long as it’s one thing and you want it far more than anything else.</li><li>Peace is happiness at rest, and happiness is peace in motion. You can convert peace into happiness anytime you want. If you’re a peaceful person, anything you do will be a happy activity</li></ul>

Success Does Not Earn Happiness

<ul><li>In any situation in life, you always have three choices : you can change it, you can accept it, or you can leave it.</li><li>Pick one big desire in your life at any given time to give yourself purpose and motivation.</li><li>Acceptance looks like being okay whatever the outcome is. It’s to be balanced and centered. It’s to step back and to see the grander scheme of things.</li></ul>

Find Happiness in Acceptance

<ul><li>If there’s something you want to do later, do it now. There is no “later”.</li><li>Set up systems, not goals.</li><li>Read everything you can.</li><li>Inspiration is perishable. When you have inspiration, act on it right then and there. </li><li>Sit and close your eyes for at least an hour a day. Make no efforts for something, make no effort against anything.</li><li>Value your time. It’s all you have. As long as you’re doing what you want, it’s not a waste of your time.</li><li>A taste of freedom makes you unemployable. Once you’ve truly controlled your own fate, for better or for worse, you’ll never let anyone else tell you what to do.</li></ul>

Choosing to Grow Yourself

<ul><li>Much of finding great relationships, great coworkers, great lovers, wives, husbands, is finding other people where your value line up.</li><li>If your values line up, the little things don’t matter.</li><li>“To find a worthy mate, be worthy of a worthy mate.”</li></ul>

Live by your Values

Things to know about Wealth and Happiness 

GETTING RICH IS NOT JUST ABOUT LUCK; HAPPINESS IS NOT JUST A TRAIT WE ARE BORN WITH. These aspirations may seem out of reach, but building wealth and being happy are skills we can learn. So what are these skills, and how do we learn them? What are the principles that should guide our efforts? What does progress really look like? Naval Ravikant is an entrepreneur, philosopher, and investor who has captivated the world with his principles for building wealth and creating long-term happiness. The Almanack of Naval Ravikant is a collection of Naval's wisdom and experience from the last ten years, shared as a curation of his most insightful interviews and poignant reflections. This isn't a how-to book, or a step-by-step gimmick. Instead, through Naval's own words, you will learn how to walk your own unique path toward a happier, wealthier life.

motivationandinspiration

Motivation & Inspiration

Getting rich is not just about luck; happiness is not just a trait we are born with. These aspirations may seem out of reach, but building wealth and being happy are skills we can learn. So what are these skills, and how do we learn them? What are the principles that should guide our efforts? What does progress really look like? Naval Ravikant is an entrepreneur, philosopher, and investor who has captivated the world with his principles for building wealth and creating long-term happiness. The Almanack of Naval Ravikant is a collection of Naval's wisdom and experience from the last ten years, shared as a curation of his most insightful interviews and poignant reflections. This isn't a how-to book, or a step-by-step gimmick. Instead, through Naval's own words, you will learn how to walk your own unique path toward a happier, wealthier life.

Eric Jorgenson is an entrepreneur, writer, and investor. He is on the founding team of Zaarly, and has been publishing online since 2014. His blog has educated and entertained over a million readers.Eric is on a quest to create (and eat) the perfect sandwich. He tweets at @ericjorgenson and publishes new pieces and projects on ejorgenson.com/blog

Eric Jorgenson

The Almanack of Naval Ravikant

The Almanack Of Naval Ravikant

The Indian economy has increased from 10th to 5th in the world. EPFO membership doubled to 27 crore and digital payments of 126 lakh crore rupees were made through UPI.

UPI lead to Increase in Economy

Priority no 1 is inclusive development - covering farmers, women, youth, OBCs, divyang, etc. The sustained focus of Jammu & Kashmir, Ladakh and the North East.

Priority

Financial support for agritech startups, cooperative-based economic model, enabling of massive decentralized storage capacity for farmers: Sitharaman.

Agritech Startups

Education - teachers' training to be re-envisioned through creative pedagogy. To build a culture of reading and make up for time lost during COVID-19, National Book Trust and Children Book Trust will be encouraged to provide non-curricular titles to physical libraries.

Education

15,000 crore for Primitive Vulnerable Tribal Groups Development Mission to improve socio-economic conditions of vulnerable tribal groups - safe housing, clean drinking water, access to education, etc.

Tribal Groups Development

Support for poor prisoners - for those unable to afford the bail amount, required financial support will be provided.

Support for poor prisoners

2.4 lakh crore outlay for Railways - 9 times the outlay made in 2013-14; 50 additional airports, velodromes, etc will be made for domestic travel

Railways get outlay

Manual scavenging - 100 percent de-sludging of sewers to transition from manholes to machine hole mode. Focus on scientific management of dry and wet waste

Manual scavenging

More than 39,000 compliances have been reduced and 3,400 legal provisions have been decriminalized to further trust-based governance. Jan Vishwas Bill to amend 42 Central Acts

Compliances have been Reduced

Three Centres for Artificial Intelligence to be set up at top institutions. National Data Governance Policy to be launched to enable access to anonymized data.

India Promotes AI 

Settling contractual disputes of govt agencies wherein the arbitral award is under challenge - a voluntary settlement scheme will be introduced. Graded settlement terms, depending on the pendency level of dispute.

Voluntary Settlement scheme

Phase III of the e-courts project will be launched with an outlay of 7,000 crores

E-Courts project

The movement towards an environmentally conscious lifestyle; aims for net zero carbon emissions by 2070. The focus is on green growth

Net zero carbon emissions by 2070

Amendments to Banking Regulation Act, and RBI Act are being considered

The Banking Regulation

To reduce the pendency of tax appeals at the commissioner level, 100 joint commissioners are to be deployed for the disposal of small appeals. We shall also be selective in taking up cases for scrutiny of returns already received

DIRECT TAX PROPOSALS AIMED AT REDUCING THE COMPLIANCE BURDEN

The rebate for tax exemption increased to ₹7 lakhs

No tax upto ₹7 lakhs

0-3 lakhs - NIL3-6 lakhs - 5 percent6-9 lakhs - 1o percent9-12 lakh - 15 percent12-15 lakh - 20 percentAbove 15 lakh - 30 percent

New tax rates:

This was a Brief of Indian Budget 2023-24, <a href="https://www.addingvalues.xyz/post/union-budget-2023-24-focus-on-inclusive-development-environmental-consciousness-and-tax-reforms">If you wish to read the full Detield article then Click here to Read.</a>If you are inserted in getting this kind of Updates On Whatsapp Directly then <a href="https://chat.whatsapp.com/Gg9iy97EeiPK4lzwf7a3Op">Click here to Join 1Percent Club for FREE</a><a href="https://www.addingvalues.xyz/1percent">Know more about 1Precent Club Here</a>ThankYou.

Conclusion

This is the fully detailed explanation of Budget 2023-24.
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