Salary negotiation is an important part of the interview process. You risk losing if you don't ask for more. Even if you don't think you have leverage, you should still negotiate.

Negotiating a salary in the interview process

It can be nerve-racking to negotiate your salary if you’re a recent graduate or someone who wants to change careers. It's common practice for companies to lowball initial offers because they expect jobseekers to negotiate. Not negotiating your starting salary can set you back more than $500,000 by the time you reach 60.

Negotiating when you don't have much experience

<ul><li>Talk to members of professional associations of your target industry. Use Glassdoor and Google to find the market value of your position.</li><li>Take a deep dive into the specifics of the position to reveal a range of leveraging options.</li><li>Use the STAR method to highlight your experience - situation or task, action, and result. Describe the situation, the action you took and the result.</li><li>Show your knowledge of industry trends if you lack experience in the industry.</li><li>Identify possible biases ahead of time and find a way around them, including inexperience.</li><li>Do a practice run in low-stake situations.</li></ul>

Steps to put yourself in a strong position

<ul><li>You break the silence too soon. Employers use silence as a negotiating tool. Instead of backpedalling, use the silence in your favour.</li><li>You ask for a salary that reflects your lifestyle, not facts. Most employers work within salary guidelines set by the company for entry-level positions, not by your lifestyle expenses.</li><li>You accept a low salary without negotiating.  if you do that, you’ll likely be underpaid as long as you stay at that company. </li><li>You think of salary negotiation as a take-it-or-leave-it scenario. You could ask for a review and salary adjustment based on your performance.</li></ul>

Mistakes to avoid

Salary negotiation is a conversation, not a battle. Here are a few tricks to keep in mind.<ul><li>Never accept a verbal offer. Ask for an opportunity to review everything in writing.</li><li>Do your research on pay parity.</li><li>Figure out what you need to be successful–and ask for it. Get as much information as you can about the role you’re up for. If you can understand what you’ll be doing upfront, you’ll be able to negotiate different things.</li><li>Get creative with benefits. Many companies have flexed out their compensation packages to get the best employees.</li></ul>

Essentials in any salary negotiation

During the interview process, it’s important to not only negotiate your salary but your benefits. 


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Career

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Marketing & Sales

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Money & Investments

How to negotiate your salary for any job

Nonetheless, the future for the DeFi ecosystem remains bleak as there’s no telling whether the leading projects in the space can last long or whether they’ll be as beneficial and profitable as more users sign up and the platforms are more scalable. One of the most common solutions to ensure the DeFi ecosystem remains sustainable in the future is to move away from the dependence on Ethereum.  As one expert put it, “To secure a sustainable future for DeFi, we need to look beyond Ethereum.”

Growth of the DeFi sector since 2017 (Image: DeFi Pulse)

A rebase (or price-elastic) token is designed in a way that the circulating token supply adjusts (increases or decreases) automatically according to a token’s price fluctuations.

The mechanics of the SAFUU model

Key to maintaining sustainability despite the high APR is <a href="https://app.safuu.com/#/">Safuu’s Fire Pit </a>, which is a buyback-and-burn contract that reduces the circulating supply of $SAFUU tokens. According to the company’s website, 2.5% of all $SAFUU traded are burnt in the Fire Pit. Additionally, 5% of the total trading fees are stored in the insurance fund, which helps sustain and back the staking rewards provided by the positive rebase. The SIF prevents flash crashes of the $SAFUU token by maintaining price stability and greatly minimizes the downside risks of DeFi.

Making the future of DeFi sustainable and stable

The tokenomics of the protocol ensures the protocol remains stable, scalable, and profitable as more users join. Safuu’s token supply is only 325,000 $SAFUU, with an auto burn rate of 2.5%, auto staking and liquidity provision (LP) every 48 hours and the factor of rebasing at 15min intervals provides a more linear progression of sustainability. Simply, the more that is traded on a daily basis, the bigger the Treasury & SIF balance grows automatically to aid with long-term sustainability and future growth.

Finally, Safuu also includes a unique and proprietary Safuu Auto-Liquidity Engine (SALE) which automatically injects an additional 4% liquidity every 48 hours automatically to maintain protocol stability and to make sure the APY is upheld for the entire life of Safuu. The SALE also adds more and more liquidity to the pool which will allow $SAFUU token holders to easily sell their tokens at any time with little to no market slippage.

Interesting new mechanism brought to market by SAFUU, I would stay away for a while until proved due to close enough resemblances with the Terra ecosystem, but one might just need a deeper dive into these mechanics to make a decision.

Safuu ,a unique DeFi project provides a decentralized financial asset protocol with a sustainable fixed compound interest model via its unique SAP protocol.

crypto

Cryptocurrency

How SAFUU Protocol is Aiming To Make DeFi More Scalable and Sustainable

<ol><li>When you save part of your income (even if you have a low income), it helps you build up your wealth.</li><li>When you invest your money, it will multiply so you have more of it.</li><li>Leverage the advice of financial experts if you need to when investing your money for more security.</li><li>Don’t rush headlong into an investment you know nothing about! It’s just asking for trouble.</li><li>Don’t fall for get-rich-quick schemes or scams. You’ll lose your money.</li></ol>

The Five Laws Of Gold

<ul><li>Set aside 10% of your income for you!</li><li>You can use that other 90% to pay bills and other expenses. But that 10% is specifically for you to save and invest later on.</li><li>It seems small at first, but gradually, you’ll start to have a good amount set aside.</li></ul>

1. Start Thy Purse To Fattening - Start Earning

If you’re not in debt:<ul><li>Set aside 10% of your income before anything else; and</li><li>Live on the 90% that’s left.</li></ul>If you are in debt:<ul><li>Set aside 10% of your income before anything else;</li><li>Repay your creditors with 20%; and</li><li>Live on the 70% that’s left.</li></ul>

Always Pay Yourself First:

<ul><li>On to the subject of thrift - when you have extra money, it’s tempting to splurge and buy fancy things. But don’t! Make sure to live within your means and only take on necessary expenses.</li><li>Arkad says: “What we call ‘necessary expenses’ will always grow to equal our incomes unless we protest to the contrary.”</li></ul>

2. Control Thy Expenditures - Spend Less Than You Earn

<ul>
<li>Make a list of all your outgoing expenses.</li>
<li>Think very carefully about what’s strictly necessary and what’s just a luxury.</li>
<li>Cut back on things you can live without.</li>
<li>Be very wary of developing expensive habits.</li>
</ul>

Never Live Beyond Your Means

<ul><li>Now that you have some money set aside, it’s time to put it to work. When you invest your cash, it can reproduce and bring you a steady stream of income and personal wealth!</li><li>Arkad’s philosophy is that “you make your gold have children, who can then also work for you.”</li><li>In our modern world, this might be loaning money out or getting interest from a savings account or stocks or crypto or gold.</li></ul>

3. Make Thy Gold Multiply - Invest

<ol><li>You should surround yourself with people who want, understand and make lots of money.</li><li>You should only seek financial advice from the very best experts in the field. Don’t take advice from your family, friends or colleagues.</li><li>You should stick to the plan. Don’t underestimate the power of compounding. Trust what you know, not what you see. Let time take care of the rest.</li></ol>

How Can I Make Money Multiply?

“Advice is one thing that is freely given away, but watch that you only take what is worth having.”

<ul><li>Arkad warns us that there is no way to make massive amounts of money overnight. Instead, it takes time, effort, and knowledge.</li><li>And when you are ready to invest, make sure to start small. You need to learn to secure smaller amounts until you can handle larger ones.</li><li>Arkad praises the ability to reclaim your money when you need it back in a hurry.</li><li>Study before making an investment so you can be sure it is a wise one.</li><li>You won’t get rich overnight… but you will get rich eventually.</li></ul>

4. Guard Thy Treasures From Loss  - Diversify / Insure

<ul><li>Don’t get into debt.</li><li>Don’t help people in ways that mean you take on their financial burdens.</li><li>Don’t lend money to others without taking some guarantee of repayment.</li><li>Don’t forget to protect your income and assets with diversification and insurance.</li><li>Don’t invest in things you don’t fully understand.</li><li>Don’t get sucked into get rich quick schemes.</li><li>Don’t put your money in investments which don’t pay out dividends (i.e., cash).</li></ul>

Common Traps We Should Avoid

<ul><li>Arkad tells us that “every man should own the roof that sheltereth him and his.” That’s because it can reduce your cost of living and make more money available for your desires.</li><li>Instead of just throwing your money away on rent, you’ll be building equity in an investment. And can pay off big when planning for future income.</li></ul>

5. Thy Dwelling A Profitable Investment - Own Your House

<ul><li>Arkad recommends planning for retirement in advance to ensure your treasures and protect your family. Naturally, having a savings account or retirement pension with a lot of money saved up is great.</li><li>But you can also rent out the properties that you bought earlier in life. Either way, coming up with a plan now should ensure you’ll be comfortable when you’re older.</li></ul>

6. Insure A Future Income - Plan For Retirement

<ul><li>Want to earn more? Develop your mindset and your skills! The more wisdom you have, the more you can earn.</li><li>Choose knowledge over gold — a bag of books over bag of money.</li><li>Doing all of these things can help you become a better investor and increase your ability to earn. Whatever you do, start small. Eventually, you can go bigger as you learn and become more capable.</li></ul>

7.Increase Thy Ability To Earn-Create Multiple Streams Of Income

“The more of wisdom we know, the more we may earn. That man who seeks to learn more of his craft shall be richly rewarded.”

The more of wisdom we know, the more we may earn. That man who s

Gold lender Mathon’s advice on lending ,When lending, only lend to those you trust, who are knowledgeable in their field and have the means to repay. If possible, you should even consider taking some collateral worth the value of the loan. This winning combination of factors ensures you’ll get your money back eventually.The moral : It’s better to have a little caution than a great regret.

Story-1 : The Gold Lender Of Babylon

Babylon is under attack, and the citizens are afraid. The guard assures them all the walls will hold, as they are strong and fortified.Babylon does survive the attack, and Clason uses this to illustrate that we need financial security throughout life. You never know when you’ll be under attack – whether you lose your job or have some emergency medical bills.The moral : We cannot afford to be without adequate protection.

Story-2 : The Walls Of Babylon

Dabasir was sold as a slave and was trained as a camel tender. One of his master’s wives, Sira, asks him if he has the soul of a free man or slave. After a while, he realizes he wants to repay his debts, so she helps to free him.He works so hard to pay off his debts using a precise budget.But in the end, he makes things right and proves he has the soul of a free man.The moral : Where the determination is, a way can be found.

Story-3 : The Camel Trader Of Babylon

Sharru Nada was a slave working for a baker, where he made extra pastries and shared the money with his master. He wanted to work hard so he could buy back his freedom.Unfortunately, his master gambled all his money, so Sharru was sold again and almost condemned to a hard labor life before his friend purchased him. His friend was able to do this because Sharru taught him about the value of hard work.The moral : Hard work can be your best friend in times of distress and help you achieve many things.

Story-4 : The Luckiest Man In Babylon

<ul><li>A part of all you earn is yours to keep.</li><li>Men of action are favored by the goddess of good luck.</li><li>Better a little caution than a great regret.</li><li>We cannot afford to be without adequate protection.</li><li>Where the determination is, the way can be found.</li></ul>

Morals 

“You’ve learned the lessons well. You first learned to live on less than you earn. Next you learned to seek advice from those who are competent. Lastly, you’ve learned to make gold work for you.”

In old Babylon there once lived a certain very rich man named arkad . Far and wide he was famed for his great wealth….

The Richest Man in Babylon is considered as the greatest of all inspirational works on the subject of thrift, financial planning, and personal wealth. Revealed inside are the secrets to acquiring money, keeping money, and making money earn more money. Providing financial wisdom through parables, 'The Richest Man in Babylon' was originally a set of pamphlets, written by the author and distributed by banks and insurance companies. These pamphlets were later bundled together, giving birth to a book. In this new rendering by Charles Conrad, the classic tale is retold in clear, simple language for today's readers. These fascinating and informative stories set you on a sure path to prosperity and its accompanying joys.

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Personal Development

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Problem Solving

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Books

The Richest Man in Babylon

“It is impossible to live without failing at something, unless you live so cautiously that you might as well not have lived at all, in which case you have failed by default.” —

The first important lesson gained from failure is experience. What happens when we fail? When we go through something and can walk away with firsthand experience, it helps us to develop a deeper understanding for life. The experience of failing at something is truly invaluable. It completely alters our frame-of-mind through the induction of pain. It makes us reflect on the real nature of things and their importance in our lives, transforming and improving our future-selves.

Failure Lesson #1: Experience

Failure brings with it important firsthand knowledge. That knowledge can be harnessed in the future to overcome that very failure that inflicted so much pain in the first place. Nothing can replace the knowledge gained from failure.

Lesson #2: Knowledge

Failing in life helps to build resilience. The more we fail, the more resilient we become.In order to achieve great success, we must know resilience. Because, if we think that we’re going to succeed on the first try, or even the first few tries, then we’re sure to set ourselves up for a far more painful failure.

Lesson #3: Resilience

Lesson #4: GrowthWhen we fail, we grow and mature as human beings. We reach deeper meanings and understandings about our lives and why we’re doing the things that we’re doing. This helps us to reflect and take things into perspective, developing meaning from painful situations.

Lesson #5: ValueOne of the biggest lessons that we can learn from life’s failures is the necessity to create and spread an exceedingly high amount of value. In fact, value lies at the heart of success and a lack of value is a fundamental pillar to failure.

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Technology & The Future

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Communication

cybersecurity

Cybersecurity

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Computer Science

Attention Required! | Cloudflare

Portugal was previously considered <a href="https://www.cnbc.com/amp/2022/02/06/bitcoin-family-moves-to-portugal-crypto-tax-haven.html">a tax haven</a> for cryptocurrency investors, in part due to an effective capital gains rate of zero."There is no specific law, it is just a lack of regulation that led to the zero taxation in Portugal," said Duarte. "This together with an understanding published by the Portuguese tax authority in 2016 meant that only crypto-related businesses can be taxed."

The current capital gains tax rate for financial investment in Portugal is 28%.Portugal's changed stance on taxes brings the country in line with many other nations around the globe. Among them are Australia – where <a href="https://www.coindesk.com/business/2022/05/16/australian-tax-office-warns-crypto-investors-on-capital-gains-obligations/">earlier Monday </a>that country's tax office warned investors of the need to report capital gains and losses on crypto each year – the United Kingdom and the U.S.

Reversing its previous hands-off stance, the nation will impose taxes on the exchange and sale of cryptocurrencies.

Portugal Makes U-Turn on Cryptocurrency Tax

Money is the biggest cause of stress in the United States, according to the American Psychological Association.You can also find that back in medical statistics. 75% to 90% of all doctor’s office visits are for stress-related ailments and complaints including chest pain, headaches, high blood pressure, insomnia, and depression.Stressing over money will make you mentally and physically sick. Now, no one likes the fact that money is the most important thing in our society. But it’s the way things are.

Money Stress

Most people assume that more money is the answer.But simply having more income won’t solve your money problems. While we all want to earn more, there are deeper, underlying issues we need to resolve first.The first step to getting rid of money stress and living a healthier, happier life is to identify the specific reasons that are causing you to worry.

Causes of Financial Stress and How We Can Solve Them

Managing money isn’t something we usually learn in school. And if one grew up in a family that lived from paycheck to paycheck, it’s harder to make wise financial decisions as an adult.How you spend, save, get into debt, and invest depends on you. How other people manage their money is insignificant.Solution: Understand how personal finance works. The more you learn about money, investing, and wealth, the better you get at managing your own finances.

Cause 1: A Lack of Financial Literacy

So many of us have all kinds of big desires that are simply not realistic. Look, I’m all about thinking big. But you should never think that life is only good when you live big.It’s easy to get stressed when we don’t achieve our expectations. And in today’s world, everyone seems to have sky-high expectations.Solution: Focus on the process, not the outcomesWhen you set goals, it’s tempting to think about the outcomes first. Everyone wants to get in better shape, travel to nice places, earn more, and so forth.So simply focus on a process you can work on consistently.

Cause 2: Unrealistic Expectations About Life

Many stick to a job they hate because of the “benefits.” That’s how much they prioritize stability.So many of us are in that position. We hate our job, but we’re used to a certain lifestyle, so we need a similar job or income to get by.Sometimes you need to take a step back in the short term to grow in the long term. Solution: Focus on long-term quality of life.

Cause 3: Short-Term Thinking

56% of Americans can’t cover a $1,000 emergency expense with savings.Emergencies happen. It’s not a matter of if but when. Your washer breaks, you slip and injure yourself, a loved one gets sick, and so forth.Solution: Build your emergency fund, little by little. Saving is a habitYou don’t have to build your emergency fund suddenly. Try saving a comfortable percentage of your income today. It’s all about consistency.

No Emergency Fund

There are many things money can buy, but the most valuable of all is freedom. Freedom to do what you want and to work for whom you respect.Earning more is not the solution. More money entraps you, keeps you in shackles. Lesser money, but with more freedom is the key.

Earning More Is Not Enough

Stressing over money will make you literally sick. But simply not thinking about money isn't enough. Here's what you can do instead.

habits

Habits

How to Stop Stressing Over Money - Darius Foroux

A stock market crash refers to a drastic, often unforeseen, drop in the stock market over a single or several days. The sudden drop in stock prices may be influenced by economic conditions, catastrophic events, or speculative elements.

Understanding market crashes

<ul><li>The Great Depression Crash of October 1929. Speculations in commodities such as autos and homes caused share prices to skyrocket, driving up prices in a panic buying mode, but many went into bankruptcy when the market bubble popped.</li><li>The Black Monday Crash of October 1987 is attributed to computer trading, derivative securities, over-evaluation, illiquidity, and trade and budget deficit.</li><li>Technology stocks triggered the Dot-com Crash of 2000-2001.</li><li>The Stock Market Crash of 2007/08  was triggered by the collapse of mortgage-backed securities in the housing sector.</li><li>The COVID Crash of March 2020.</li></ul>

Famous stock market crashes in the US

Circuit Breaker: Level 1 and 2 market-wide circuit breakers suspend trading for 15-minutes and a level 3 halts trading for the rest of the day. This can happen when the S&P 500 falls more than 7% at any time before 3:45 p.m. EST. Plunge protection: Turbulent markets can also be dampened by the purchase of huge quantities of stocks by large entities when prices drop. Big entities hold prices up to prevent individual traders from panic trading.

How to prevent a stock market crash

A stock market crash refers to a drastic, often unforeseen, drop in the prices of stocks in the stock market. The sudden drop in stock prices

Discover the world of business and economics.

economics

Economics

Stock Market Crash

Cryptocurrencies have done a lot of good for the financial world. They have given us a way to democratize finance, eliminate middlemen, lower fees, and a number of other benefits.

In the simplest terms, a master node is a computer or server that has been set up to process Dash transactions quickly, in a method that is quite different from mining (which the Dash network also has). The owner of the master node is rewarded for operating the node with frequent Dash payments. Well, only if you have about $300,000 sitting around. You see, in order to set up a Dash master node, you must have least 1000 units of Dash.

Dash and Master Nodes

Projects like <a href="https://www.coinschedule.com/projects/1280/link-ico.html">ChainLink  </a>are demanding 100 ETH (about $25,000), and Streamr, the platform that I recently wrote about, is asking for a minimum of 5000 Swiss Francs ($5,160). On the official Slack channel, Henri Pihkala stated that: “Bitcoin Suisse (the company helping with the ICO) imposes a minimum of 5000 CHF equivalent, so the minimum cannot, unfortunately, be below that – at least not for the presale. We would certainly like the minimum to be lower.”

Initial Coin Offerings (ICOs)

The <a href="https://dailycryptocurrency.com/cryptocurrency/cryptocurrency-101-proof-work-vs-proof-stake/">proof of stake </a>method of consensus that has been in the news almost constantly ever since Ethereum announced its plans to move to it, and other exciting new currencies like OmiseGo (<a href="https://omg.omise.co/">OMG </a>) and Crypto Improvement Fund (<a href="http://cryptoimprovementfund.io/">CIF </a>) are planning to use it as well. POS has been around for a while, with currencies like PeerCoin, CureCoin, and Clams using it. With POS, there is a big element of chance involved, and it is, in fact, a lot more like a lottery. The more tickets you have, the more likely you are to win. With POS, the more crypto you hold, the more likely you are to successfully get a staking payout. Holding just one or two units of the currency will almost certainly result in you receiving zero stake payouts.

Proof of Stake (POS)

While the crypocurrency world overall has opened up many doors for the less wealthy, it is clear that there are still some things in the crypto world in which only the rich are welcome.

Cryptocurrencies should be inclusive, not exclusive, and these are just a few of the ways that cryptocurrencies are excluding the non-wealthy.

Only The Rich: How Some Cryptocurrencies Unfairly Advantage the Wealthy - Daily Cryptocurrency

<ul><li>Don't save too much as a kid rather use your money to enjoy your time, spend time with friends travel</li><li>You shouldn't because over time the amount of money you make increases</li><li>The amount of money you save is going to be small compared to the amount you make now.</li></ul>

Don't save too much as a Kid

<ul><li>Open an investment account so that you know what the process is like</li><li>Gain knowledge of how the investment process works.</li></ul>

Try and Open An Investment Account

<ul><li>Put a little bit of money into Crypto just to learn about it</li><li>Use Coinbase or any other platform that can help you explore and learn</li><li>The educational value is very high</li></ul>

Invest In Crypto

<ul><li>Make sure that you are putting money and time into books and courses to learn more</li><li>Learn Useful and In-demand skills. Learning to Code is still one of the most quick way to learn how to make money</li></ul>

Invest In Learning

Build a Faselane MindsetRead the book the millionaire Fastlane to get a mindset that can help you make moneyFollow me for the book summary coming soon!

Investing Your Time

<ul><li>Document your journey through many different ways it helps build the craft of writing</li><li>You might build an audience.</li></ul>

Document Your Journey

<ul><li>Read books on how to make more money</li><li>4 Hour Work Weeks</li><li>Dying with 0</li><li>Your money and your life</li></ul>

Become money literate

<ul><li>Try and build a business like selling lemonade, selling candy, or building websites</li><li>Turn your active income into passive income</li></ul>

Try and Build A Business

Wow, this gave me a ton of different advice, follow me for part 2

The first 1,000 people to use this link will get a 1 month free trial of Skillshare: https://skl.sh/aliabdaal04229 Hey friends, this video is about how to invest as a teenager: basically the advice I’d give my 15-year-old self. You might be fairly broke, but that doesn’t mean you can’t build good money habits + make decisions that’ll pay off further down the line. How to Invest for Beginners - https://www.youtube.com/watch?v=gFQNPmLKj1k The Best Book I've Ever Read about Making Money - https://www.youtube.com/watch?v=Gx2vyi4JcV0 The Book That Changed My Financial Life 🤑 - https://www.youtube.com/watch?v=Gg8_TA7U0Uw Revealing My Investment Portfolio - https://www.youtube.com/watch?v=MgI6iquuuzA&ab_channel=AliAbdaal Bitcoin for Beginners (2021) - https://www.youtube.com/watch?v=hXkiAfjFtgU The best summaries of books (Shortform) - https://go.aliabdaal.com/shortform 00:22 Part 1 - Investing your money 00:24 1. The dangers of saving too much 01:39 2. Investment accounts 02:54 3. The power of index funds 03:57 4. Crypto? 05:19 5. Leveling up 06:30 Part 2 - Investing your time 06:45 1. Build a fastlane mindset 07:42 2. Learn useful and in demand skills 09:08 3. Document your learning and your journey i. 10:55 4. Learn about video production 12:45 5. Become money literate 13:57 6. Get a job or work experience 14:30 7. Make things for people you admire, for free 15:42 8. Find a way to build a business 16:45 9. Turn your active income into passive income 18:44 10. Consider outsourcing some work MY FREE ONLINE COURSES: 🚀 Productivity Masterclass - Principles and Tools to Boost Your Productivity - https://go.aliabdaal.com/course/productivity 🎬 Video Editing with Final Cut Pro X - From Beginner to YouTuber - https://go.aliabdaal.com/course/video-editing 🎓 How to Study for Exams - An Evidence-Based Masterclass - https://go.aliabdaal.com/course/studying PART-TIME YOUTUBER ACADEMY: 🍿 My 6-week live online course - https://academy.aliabdaal.com MY FAVOURITE GEAR: 🎥 My YouTube Camera Gear - https://kit.co/AliAbdaal ⌨️ My Keyboard - Wireless Coral mechanical keyboard (Cherry Blue) - https://go.aliabdaal.com/keyboard 📝 My favourite iPad Screen Protector - Paperlike - https://go.aliabdaal.com/paperlike 🎒 My Desk Accessories + Todo List - Ugmonk - https://go.aliabdaal.com/ugmonk MY FAVOURITE SOFTWARE: ✍️ The best summaries of books (Shortform) - https://go.aliabdaal.com/shortform 📚 How I remember what I read (Readwise) - https://go.aliabdaal.com/readwise 🎵 Where I get my Music (amazing for YouTubers) - https://go.aliabdaal.com/epidemicsound 👻 Where I get my Website Themes from - https://go.aliabdaal.com/ghost-themes 👻 My personal Ghost Website Theme - https://go.aliabdaal.com/ghost-theme-ali 🎙 My weekly podcast - https://www.notoverthinking.com My brother and I host a weekly podcast where we discuss happiness, creativity and the human condition. You can find it by searching “Not Overthinking” on any podcast app (eg: Spotify, Apple Podcasts, Google Podcasts etc). BE MY FRIEND: 💌 Sign up to my weekly email newsletter - https://aliabdaal.com/friendzone/ 🌍 My website / blog - https://www.aliabdaal.com 📸 Instagram - https://instagram.com/aliabdaal 🐦 Twitter - https://twitter.com/aliabdaal 💙 The Friendzone Discord - https://discord.gg/Dh2kGavffd 🎮 Twitch - https://twitch.tv/aliabdaal WHO AM I: I’m Ali, a YouTuber, podcaster, soon-to-be author and ex-Doctor working in London, UK. I make videos that explore the strategies and tools that help us live happier, healthier and more productive lives. I also have a weekly podcast called Deep Dive (https://www.youtube.com/channel/UChfo46ZNOV-vtehDc25A1Ug), and I write a weekly email newsletter that contains some quick thoughts + links to interesting things (https://email.aliabdaal.com). GET IN TOUCH: If you’d like to talk, I’d love to hear from you. Tweeting @AliAbdaal directly will be the quickest way to get a response, but if your question is very long, feel free to email me at hi@aliabdaal.com. I try my best to reply to things but there sadly aren't enough hours in the day to respond to everyone 😭 PS: Some of the links in this description are affiliate links that I get a kickback from 😜

The first 1,000 people to use this link will get a 1 month free trial of Skillshare: https://skl.sh/aliabdaal04229

Hey friends, this video is about how to invest as a teenager: basically the advice I’d give my 15-year-old self. You might be fairly broke, but that doesn’t mean you can’t build good money habits + make decisions that’ll pay off further down the line.

How to Invest for Beginners - https://www.youtube.com/watch?v=gFQNPmLKj1k
The Best Book I've Ever Read about Making Money - https://www.youtube.com/watch?v=Gx2vyi4JcV0
The Book That Changed My Financial Life 🤑
 - https://www.youtube.com/watch?v=Gg8_TA7U0Uw
Revealing My Investment Portfolio
 - https://www.youtube.com/watch?v=MgI6iquuuzA&ab_channel=AliAbdaal
Bitcoin for Beginners (2021) - https://www.youtube.com/watch?v=hXkiAfjFtgU
The best summaries of books (Shortform) - https://go.aliabdaal.com/shortform

00:22 Part 1 - Investing your money
00:24 1. The dangers of saving too much
01:39 2. Investment accounts
02:54 3. The power of index funds
03:57 4. Crypto?
05:19 5. Leveling up
06:30 Part 2 - Investing your time
06:45 1. Build a fastlane mindset
07:42 2. Learn useful and in demand skills
09:08 3. Document your learning and your journey i.
10:55 4. Learn about video production
12:45 5. Become money literate
13:57 6. Get a job or work experience
14:30 7. Make things for people you admire, for free
15:42 8. Find a way to build a business
16:45 9. Turn your active income into passive income
18:44 10. Consider outsourcing some work


MY FREE ONLINE COURSES:
🚀  Productivity Masterclass - Principles and Tools to Boost Your Productivity - https://go.aliabdaal.com/course/productivity
🎬  Video Editing with Final Cut Pro X - From Beginner to YouTuber - https://go.aliabdaal.com/course/video-editing
🎓  How to Study for Exams - An Evidence-Based Masterclass - https://go.aliabdaal.com/course/studying

PART-TIME YOUTUBER ACADEMY:
🍿 My 6-week live online course - https://go.aliabdaal.com/ptya_aliabdaal
CREATORPRENEUR
💰 My flag-ship course for scaling up your creative side-hustle - https://creatorpreneur.academy/course


YOUTUBE FOR BEGINNERS COURSE
📸 This is for anyone who'd like to start a YouTube channel. You'll learn everything you need to get started as a YouTuber including how to script, shoot, and edit your first video - https://go.aliabdaal.com/course/YouTube-for-Beginners



MY FAVOURITE GEAR:
🎥  My YouTube Camera Gear - https://kit.co/AliAbdaal
⌨️  My Keyboard - Wireless Coral mechanical keyboard (Cherry Blue) - https://go.aliabdaal.com/keyboard 
📝  My favourite iPad Screen Protector - Paperlike - https://go.aliabdaal.com/paperlike 
🎒 My Desk Accessories + Todo List - Ugmonk - https://go.aliabdaal.com/ugmonk

MY FAVOURITE SOFTWARE:
✍️ The best summaries of books (Shortform) - https://go.aliabdaal.com/shortform
📚  How I remember what I read (Readwise) - https://go.aliabdaal.com/readwise 
🎵  Where I get my Music (amazing for YouTubers) - https://go.aliabdaal.com/epidemicsound
👻 Where I get my Website Themes from - https://go.aliabdaal.com/ghost-themes
👻 My personal Ghost Website Theme - https://go.aliabdaal.com/ghost-theme-ali

🎙 Deep Dive Podcast - https://www.youtube.com/c/DeepDivewithAliAbdaal/
The podcast that delves into the minds of entrepreneurs, creators and other inspiring people to uncover the philosophies, strategies and tools that help us live happier, healthier and more productive lives. You can find it by searching “Deep Dive with Ali Abdaal” on any podcast app (eg: Spotify, Apple Podcasts, Google Podcasts etc).

BE MY FRIEND:
💌  Sign up to my weekly email newsletter - https://aliabdaal.com/friendzone/
🌍  My website / blog - https://www.aliabdaal.com 
📸  Instagram - https://instagram.com/aliabdaal
🐦  Twitter - https://twitter.com/aliabdaal
💙  The Friendzone Discord - https://discord.gg/Dh2kGavffd
🎮  Twitch - https://twitch.tv/aliabdaal

WHO AM I:
I’m Ali, a YouTuber, podcaster, soon-to-be author and ex-Doctor working in London, UK. I make videos that explore the strategies and tools that help us live happier, healthier and more productive lives. I also have a weekly podcast called Deep Dive (https://www.youtube.com/channel/UChfo46ZNOV-vtehDc25A1Ug), and I write a weekly email newsletter that contains some quick thoughts + links to interesting things (https://email.aliabdaal.com).


GET IN TOUCH:
If you’d like to talk, I’d love to hear from you. Tweeting @AliAbdaal directly will be the quickest way to get a response, but if your question is very long, feel free to email me at hi@aliabdaal.com. I try my best to reply to things but there sadly aren't enough hours in the day to respond to everyone 😭

PS: Some of the links in this description are affiliate links that I get a kickback from 😜

📚 Check out my first book Feel-Good Productivity here: https://www.feelgoodproductivity.com/

Hey, I'm Ali, a doctor turned entrepreneur, and the world’s most followed productivity expert 😜 

On this channel, we explore evidence-based strategies and tools that can help us be more productive, and build a life that we love. 

If that sounds interesting, consider subscribing! See you in the next video x

Ali Abdaal

Investing Advice for Teenagers (2023)

Investing Advice for Teenagers (2022)

Springer Nature supports the United Nations’ Sustainable Development Goals and the researchers and practitioners in policy and business tirelessly working towards them. For Mental Health Month we spoke to Dr Jack Tsai, the Editor-in-Chief of npj Mental Health Research.

I would describe my work as focused on innovative models of collaborative care targeting the needs of adults with serious mental health and housing needs. Most of this work has focused on homeless populations and ways to engage and provide behavioral health, primary care, and social services to them.

Please tell us about the nature of your work.

Not everybody is interested or capable of receiving traditional office-based mental health care for a variety of reasons. So the challenge I am seeking to undertake is to reach, engage, and serve those who need other ways to receive mental health care. This can be through new person-based approaches like through peer specialists, through non-traditional settings like legal aid offices, or new modalities like tele-health or virtual care.

Does your work intend to directly address ways in which we can improve mental health care services or access to care? 

My short-term goal is to develop interventions that are novel, different, and exciting to me and recipients. As one of my mentors often liked to say, most interventions do not work. But even if the interventions don’t end up working, it’s the adventure of science and research to develop new things and test them.Long-term goal, it may sound strange, is to understand how and when people can be weaned off interventions. Many interventions, whether they are medications, therapies, or social services, are offered with an indefinite time period.

What are the short and long-term goals of your work?

Like many people, policymakers are busy people so providing short concise ways to communicate to them (briefs, infographics, video clips) are important. In your communications, it should be clear what your ASK is and how it may benefit others. So far, my role in policy activities has been to educate, describe empirical evidence, and outline pros and cons of different approaches. By being impartial, one remains a trusted source of data and information.

What do you think is the most productive way that researchers can engage policy makers? 

Since I work in public health, public engagement is an essential component of the work of me and my colleagues. In other fields, public engagement often occurs at the end of the project when the findings are ready to be disseminated to the public.

What does public engagement look like in your field and how important is it?

However, in public health, public engagement can occur during the development of a project to obtain community buy-in, it can occur mid-way into the project to help troubleshoot some issues, and it occurs at the end of the project during the dissemination stage. Engaging the public and communities in which you are working in helps keep projects grounded, relevant, and invested in by the community. Engaging the public also allows you to receive constructive comments and keeps your work honest.

Public Engagement

I would like to see more concerted efforts to combine pharmacotherapy and psychotherapy. Many prescribers know little about psychological therapy and many therapists know little about medications. I’m fortunate to have been trained as a clinical psychologist to provide therapy but I also have a master’s degree in clinical psychopharmacology, so I understand the value of medications.

What progress would you like to see next towards the improvement of mental health care, worldwide and locally?

Many conditions are best served by some combination of medication and therapy, and there are also many opportunities for both of these to also be combined with complementary and alternative medicine approaches as well.How can progress in science & research contribute to the improvement of mental health care access and support the fight against stigma?Technological advances have already contributed greatly to improving access to mental health care and reducing stigma. For example, online resources and social media has destigmatized the many ways that people can and should seek help.

Science & Research

I expect new technologies will continue to improve things in this respect. However, I think it’s also important to be careful about unintended consequences. In efforts to reduce stigma, we don’t want to trivialize mental illness, over-pathologize natural human reactions, or dismiss human propensity for resilience. Of course, it’s a delicate balance that progress in science and research can help tread.  Discover Springer Nature's SDG3 Hub about Good Health and Well-Being.

Springer Nature

About the author: Jack Tsai, PhD MSCP serves as Campus Dean and Professor of Public Health at UTHealth, and Research Director for the U.S. Department of Veterans Affairs Homeless Programs Office. He is a clinical psychologist and previously served as a professor and directed the Division of Mental Health Services Research at Yale School of Medicine for a decade. Dr. Tsai currently serves as Editor-in-Chief for npj Mental Health Research.

About the author

Springer Nature supports the United Nations’ Sustainable Development Goals and the researchers and practitioners in policy and business tirelessly

health

Health

mentalhealth

Mental Health

Mental Health is Important for Public Health | For Researchers

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