Most common financial milestones for adults:<ul><li>The 20s and 30s - Debt repayment and household formation,</li><li>The 40s and 50s - Peak earnings and wealth accumulation,</li><li>The 60s - Preparation for retirement and retirement,</li><li>The 70s and above - Transitions and wealth distribution. </li></ul>Want to improve your finances and plan for long-term betterment? read the next idea.

Personal Finance: Financial Planning

<ul><li>Take charge of your finances,</li><li>Completing your education,</li><li>Repay your student loan completely,</li><li>Create emergency funds of 3-6 months,</li><li>Save a total of one annual salary in your retirement funds,</li><li>Start life insurances & policies to protect dependents,</li><li>Follow best practices to establish a good credit history & credit score.</li></ul>

Financial Planning: 30s 

<ul><li>Save a total of three times your annual salary in your retirement funds, or at least 15% of gross income,</li><li>Establish college funds for children (if applicable),</li><li>Increase your investing expertise & diversify your investment portfolio assets,</li><li>Improve your job skills and knowledge to remain employable ad earn promotions.</li></ul>

Financial Planning: 40s 

Age 50<ul><li>Save a total of six times your annual salary in your retirement funds,</li><li>Catchup with your previous retirement plan contributions,</li><li>Learn about the specifics of Social security, Medicare, and Employer retirement benefits.</li></ul>

Financial Planning: 50s 

<ul><li>Save a total of eight times your annual salary in your retirement funds,</li><li>Pay off all your mortgage, loans & debts before retiring,</li><li>Use catch-up retirement strategies like downsizing, moving, working longer, selling assets, if required.</li><li>Learn new skills to transition to retirement or "second act" job or a volunteer role.</li></ul>

Financial Planning: 60s 

[4/4] Personal Finance is a very crucial concept that is often ignored. This is an attempt to spread awareness related to personal finance.

SSHW Worldwide Challenge Daily Motivational Messages from Rutgers NJAES.

moneyandinvestments

Money & Investments

Financial Planning Milestones for Different Ages (Rutgers NJAES)

Why is it important that you invest?<ol><li>Value of money is decreasing due to inflation,</li><li>Post-retirement funds if you wouldn't want to work your entire life,</li><li>Build on your pre-taxable income & reduce your taxes.</li></ol>

Personal Finance: Investment: Why?

"If you don't find a way to make money while you sleep, you will work until you die."

Where to invest?<ul><li>Invest in True Assets - House, Gold/Silver Bonds, Equity (Stock Market), Mutual Funds, etc.</li></ul>Factors to consider?<ul><li>Investment amount, Risk tolerance, Returns required, Personal goals, etc.</li></ul>Most important strategy:<ul><li>Don't put all your eggs in one basket, Diversify!</li></ul>

Personal Finance: Investment: Where?

“The stock market is filled with individuals who know the price of everything, but the value of nothing.”

[3/4] Personal Finance is a very crucial concept that is often ignored. This is an attempt to spread awareness related to personal finance.

Financial Freedom - Part 3 Investments

<ul><li>Personal Capital = True Assets - True Liabilities</li><li>Loans? depends on "Good" or "Bad" loans.</li><li>Good loans - Education, Business, Home, etc.</li><li>Bad loans - Credit cards, car loans, etc.</li><li>Your credit score is an important indicator to lenders of your ability to repay loans.</li><li>Maintaining credit score: pay off loans on time, use credit cards carefully.</li></ul>

Debt: Loans

Things to keep in mind wrt repaying your debt:<ul><li>Make the down payment as large as possible. This will reduce the interest on the cost of purchase,</li><li>Debt repayment per year < 20% of annual Post-tax income, </li><li>Monthly installments < 10% of Monthly i-hand salary,</li><li>Use "the Avalanche method" or "the Snowball method" while repaying.</li></ul>

Debt: Repayment

[2/4] Personal Finance is a very crucial concept that is often ignored. This is an attempt to spread awareness related to personal finance.

Personal finance - Part 2 Debt

Savings = Income - Expenditure, i.e. increase your income & decrease your expenditure to increase savings.Follow budgeting principle:  <ul><li>Needs: 50% of Total Income,</li><li>Wants: 30% of Total Income,</li><li>Savings: 20% of Total Income.</li></ul>Smart ways to save more:<ol><li>Keep your emergency fund in a separate bank account to avoid using it accidentally,</li><li>Stop/minimize using credit cards,</li><li>Stop falling for impulsive purchases.</li></ol>

Personal Finance: Wealth Creation

"Do not save what is left after spending, rather spend what is left after saving."

[1/4] Personal Finance is a very crucial concept that is often ignored. This is an attempt to spread awareness related to personal finance.

Personal finance- Part 1 Wealth Creation

1. What makes you truly happy? (What are you most passionate about? Whose company do you enjoy ?) 2. What are your core values? (Principles that give your life meaning. What ideas, principles, and virtues do you value the most?) 3. How do you handle stress? (Are you calm under pressure? Do you feel anxious?) 4. How is your physical health? (Improved physical health helps you avoid serious illnesses in the future)

8 Questions to Know Yourself Better [1-4]

5. What is your personality type? (Knowing your personality type helps you understand yourself better) 6. What are your strengths? (What do you excel at naturally?) 7. What are your weaknesses? (What is it that you struggle with?) 8. What is your "ideal" self? (Who do you want to be? Who do you look up to? Why?)

8 Questions to Know Yourself Better [5-8]

"Knowing yourself is the beginning of all wisdom."

The ancient Greek philosopher Aristotle once said, “Knowing yourself is the beginning of all wisdom.” But how many of us really take the time to reflect on our deepest thoughts, feelings, and experiences to get a good sense of who we are? Nowadays, life moves so fast it sometimes feels like we don’t even have time to breathe, much less taking the time for introspection. But getting to know yourself and learning more about who you are as a person can actually do a lot to make you happier, resolve your inner conflicts, improve your relationships with others, and most of all, improve your relationship with yourself. Want more self help videos? We also made a video the small habits that can change your life forever: https://youtu.be/-fgbQsVtsfo Credit: Writer: Chloe Avenasa Script Editor: Morgan Franz Script Manager: Kelly Soong VO: Amanda Silvera Animator: Jonelz Leo (new animator) YouTube Manager: Cindy Cheong References: https://bit.ly/3d4cDqt Join this channel to get access to perks: https://www.youtube.com/channel/UCkJEpR7JmS36tajD34Gp4VA/join Would you like to animate for the team? Check out this: https://psych2go.net/interested-in-animating-for-pych2go-faq/ Interested in writing for psych2go? Check out: https://psych2go.net/script-writing-position-faqs/ We're also on a mission to make mental health accessible around the world. Many of our content are translated to other languages by fans and people like you guys :) 1) Psych2Go Kr - https://www.youtube.com/channel/UCQh9DSw0L23tNULgxussrYg 심리툰 Psych2Go Korea https://www.youtube.com/channel/UCNTGv5tBhqxIN3jAHbhumeQ 2) Vietnamese - https://www.youtube.com/channel/UCe-DaRWfYRVfcdasozr874A 3) German - https://www.youtube.com/c/Psych2GoDE/videos 4) Indonesian - https://www.youtube.com/channel/UCwc1rtdEJDr-VKQT5bijwwQ 5) Russian - youtube.com/channel/UC4vMpG7hqxT0GCx2YAIF7rA/ 6) Vietnamese - https://www.youtube.com/channel/UCe-DaRWfYRVfcdasozr874A 7) Español - https://www.youtube.com/channel/UCl5OsVzh4_Xf8fSmxhOMP5Q 8) Hindi - https://www.youtube.com/channel/UCcesO-EWK1l6dF2QgB9aUkw References: Yiengprugsawan, V., Somboonsook, B., Seubsman, S. A., & Sleigh, A. C. (2012). Happiness, mental health, and socio-demographic associations among a national cohort of Thai adults. Journal of Happiness Studies, 13(6), 1019-1029. Bullis, J. R., Bøe, H. J., Asnaani, A., & Hofmann, S. G. (2014). The benefits of being mindful: Trait mindfulness predicts less stress reactivity to suppression. Journal of Behavior Therapy and Experimental Psychiatry, 45(1), 57-66. Rippentrop, A. E., Altmaier, E. M., Chen, J. J., Found, E. M., & Keffala, V. J. (2005). The relationship between religion/spirituality and physical health, mental health, and pain in a chronic pain population. Pain, 116(3), 311-321. Hogan, R. T. (1991). Personality and personality measurement.

personaldevelopment

Personal Development

The ancient Greek philosopher Aristotle once said, “Knowing yourself is the beginning of all wisdom.” But how many of us really take the time to reflect on our deepest thoughts, feelings, and experiences to get a good sense of who we are? Nowadays, life moves so fast it sometimes feels like we don’t even have time to breathe, much less taking the time for introspection. But getting to know yourself and learning more about who you are as a person can actually do a lot to make you happier, resolve your inner conflicts, improve your relationships with others, and most of all, improve your relationship with yourself. 

Want more self help videos? We also made a video the small habits that can change your life forever: https://youtu.be/-fgbQsVtsfo 

Credit: 
Writer: Chloe Avenasa 
Script Editor: Morgan Franz 
Script Manager: Kelly Soong 
VO: Amanda Silvera 
Animator: Jonelz Leo (new animator)
YouTube Manager: Cindy Cheong 

References:
https://bit.ly/3d4cDqt

Join this channel to get access to perks:
https://www.youtube.com/channel/UCkJEpR7JmS36tajD34Gp4VA/join

Would you like to animate for the team? Check out this: https://psych2go.net/interested-in-animating-for-pych2go-faq/

Interested in writing for psych2go? Check out: 
https://psych2go.net/script-writing-position-faqs/

We're also on a mission to make mental health accessible around the world. Many of our content are translated to other languages by fans and people like you guys :) 

1) Psych2Go Kr - https://www.youtube.com/channel/UCQh9DSw0L23tNULgxussrYg 
심리툰 Psych2Go Korea https://www.youtube.com/channel/UCNTGv5tBhqxIN3jAHbhumeQ
2) Vietnamese - https://www.youtube.com/channel/UCe-DaRWfYRVfcdasozr874A
3) German - https://www.youtube.com/c/Psych2GoDE/videos
4) Indonesian - https://www.youtube.com/channel/UCwc1rtdEJDr-VKQT5bijwwQ
5) Russian - youtube.com/channel/UC4vMpG7hqxT0GCx2YAIF7rA/
6) Vietnamese - https://www.youtube.com/channel/UCe-DaRWfYRVfcdasozr874A
7) Español - https://www.youtube.com/channel/UCl5OsVzh4_Xf8fSmxhOMP5Q
8) Hindi - https://www.youtube.com/channel/UCcesO-EWK1l6dF2QgB9aUkw

References:

Yiengprugsawan, V., Somboonsook, B., Seubsman, S. A., & Sleigh, A. C. (2012). Happiness, mental health, and socio-demographic associations among a national cohort of Thai adults. Journal of Happiness Studies, 13(6), 1019-1029.
Bullis, J. R., Bøe, H. J., Asnaani, A., & Hofmann, S. G. (2014). The benefits of being mindful: Trait mindfulness predicts less stress reactivity to suppression. Journal of Behavior Therapy and Experimental Psychiatry, 45(1), 57-66.
Rippentrop, A. E., Altmaier, E. M., Chen, J. J., Found, E. M., & Keffala, V. J. (2005). The relationship between religion/spirituality and physical health, mental health, and pain in a chronic pain population. Pain, 116(3), 311-321.
Hogan, R. T. (1991). Personality and personality measurement.

Saving lives by building a community around mental health and psychology animated content. Our mission is to give you the hard topics and make it relatable and understandable; we hope to decrease the stigma associated with mental health and bring light to the darkness. 

This channel started back in 2017 when the founder has just graduated from his BA psychology degree from UBC. After realizing the power of psychology, he wanted to share what he was learning to the world. Psych2Go is more than just a psychology channel. Psych2Go empowers people to seek professional help by validating the challenges that we all go through. 

Our team now extends beyond just students, but also professionals working in the field. You will see series of interviews with experts, stories from real people who went through mental health challenges, and also relationships advice. 

Disclaimer: Don't use our content to self diagnose though. Use it as a starting point for self-advocating. 
tu@psych2go.net

Psych2Go

8 Important Things You Should Know About Yourself

<ul><li>Goals & Values: Your personal goals & values in life,</li><li>Random acts of kindness: Small acts of kindness without expecting thankyou,</li><li>Mindful living: Being in the present moment in this distraction-filled era,</li><li>Strengths & solutions: Start focusing on your strengths & developing a solution-oriented mindset,</li></ul>

8 Steps to happiness [1-4]

<ul><li>Practice gratitude: Noting the small & simple things you're grateful for,</li><li>Practice forgiveness: Forgive others and don't let that anger or grudge consume you,</li><li>Social networking: Being socially connected & having enriched bondings with others,</li><li>Reflect, review & renew: Reflect on the things you try and adjust as things work for you.</li></ul>

8 Steps to happiness [5-8]

Video created by The University of Sydney for the course "Positive Psychiatry and Mental Health ". Welcome to the MOOC! Get yourself acquainted. This module is about positive mental health, stress and recovery, and some of the important findings ...

Understand yourself and those around you.

psychology

Psychology

health

Health

mentalhealth

Mental Health

8 Steps to Happiness - Module 1 - Positive mental health and Psychiatry | Coursera

<ol><li>Exercise for 1 minute after waking up,</li><li>Refuse something once a week, make time for yourself,</li><li>Organize & declutter your home, your space,</li><li>Learn to manage money,</li><li>Ask open-ended questions,</li><li>Stand up every hour and have a glass of water,</li><li>Turn off notifications,</li><li>Make your bed in the morning itself,</li><li>Focus on your posture,</li><li>Read at least 10 minutes a day,</li><li>Watch less news,</li><li>Spend one minute alone with yourself,</li><li>Invest in experiences, not objects,</li><li>Ask whatever you're doing, is it worth it?</li></ol>

Micro Habits You Must Develop

2021 can be the year. You can start changing your life. You can be happier with tiny changes. Hey, you can even start today. 🔓 Get all my illustrations HERE: https://gumroad.com/l/Full-Archive 🔔 SUBSCRIBE for more free improvement videos https://www.youtube.com/channel/UCtYzVCmNxrshH4_bPO_-Y-A?sub_confirmation=1 🔓 BECOME A MEMBER Access special community perks including the complete illustration archive and exclusive early access to new videos a week early. Support the channel by clicking that Join button! Or, click here: https://www.youtube.com/channel/UCtYzVCmNxrshH4_bPO_-Y-A/join 🎥 WANT TO CREATE VIDEOS LIKE THESE? This is the software I use: http://bit.ly/2CdPdwF 🎨 FREE ILLUSTRATIONS Want the complete illustration of each video as it's released? Become an Improvement Insider. Get The Art of Improvement Email, all for FREE! https://email.artofimprovement.co.uk 🔗 ADDITIONAL LINKS & RESOURCES The Best 6 Exercises to Do First Thing in the Morning: https://www.fitday.com/fitness-articles/fitness/the-best-6-exercises-to-do-first-thing-in-the-morning.html Exercise in the morning may be the key for optimum brain health: https://www.baker.edu.au/news/media-releases/morning-exercise 7 Random Things I Noted While Throwing Away 465 Items: https://medium.com/the-ascent/7-random-things-i-noted-while-throwing-away-465-items-36781a07d483 Play the 30-Day Minimalism Game: https://www.theminimalists.com/game/ Money Manager Expense & Budget: https://play.google.com/store/apps/details?id=com.realbyteapps.moneymanagerfree Standing vs Sitting: 9 Health Benefits of Standing Up: https://www.developgoodhabits.com/standing-vs-sitting/ The One Proverb I Live My Life By: https://medium.com/skilluped/the-one-proverb-i-live-my-life-by-124d001719c8 Do You Want to Be a Better Communicator?: https://www.psychologytoday.com/us/blog/the-web-violence/201409/do-you-want-be-better-communicator The Cost of Interrupted Work: https://www.ics.uci.edu/~gmark/chi08-mark.pdf Fifteen benefits of drinking water: https://www.medicalnewstoday.com/articles/290814#benefits Battle of Marignano: https://en.wikipedia.org/wiki/Battle_of_Marignano Purikura-The Core of Kawaii Culture: https://www.gdayjapan.com.au/interests/culture/purikura-the-core-of-kawaii-culture/ If You Want to Change the World, Start Off by Making Your Bed: https://www.youtube.com/watch?v=3sK3wJAxGfs A Bulletproof Way To Be Self Aware: https://medium.com/swlh/a-bulletproof-way-to-be-self-aware-1d5e21a06a9f 10 Ways Poor Posture Can Harm Your Health: https://health.usnews.com/wellness/slideshows/10-ways-poor-posture-can-harm-your-health?slide=4 Read 1 Book A Week (52 Books A Year)…Without Speed-Reading!: https://jimkwik.com/kwik-brain-004/ Reading books is on the decline: https://goodereader.com/blog/bookselling/reading-books-is-on-the-decline 6 Signs You’re Not as Busy as You Think: https://medium.com/curious/6-signs-youre-not-as-busy-as-you-think-and-what-to-do-with-the-time-391937766d20 ✍️ This was initially published as an article on Medium.com by Mathias Barra: https://medium.com/the-ascent/21-tiny-habits-to-improve-your-life-in-2021-without-much-effort-2ab56e680947 ✍️ Author: Mathias Barra | https://linktr.ee/MathiasBarra 👨‍💻 LET'S CONNECT https://artofimprovement.co.uk/ https://www.facebook.com/ArtOfImprovement https://twitter.com/TheArtOfImprove https://www.instagram.com/art.of.improvement

habits

Habits

Get the illustration in this video - click here: https://email.artofimprovement.co.uk/21-tiny-habits-to-improve-your-life-in-2021-effortlessly

2021 can be the year. You can start changing your life. You can be happier with tiny changes. Hey, you can even start today.

🔗 ADDITIONAL LINKS & RESOURCES
The Best 6 Exercises to Do First Thing in the Morning: https://www.fitday.com/fitness-articles/fitness/the-best-6-exercises-to-do-first-thing-in-the-morning.html
Exercise in the morning may be the key for optimum brain health: https://www.baker.edu.au/news/media-releases/morning-exercise
7 Random Things I Noted While Throwing Away 465 Items: https://medium.com/the-ascent/7-random-things-i-noted-while-throwing-away-465-items-36781a07d483
Play the 30-Day Minimalism Game: https://www.theminimalists.com/game/
Money Manager Expense & Budget: https://play.google.com/store/apps/details?id=com.realbyteapps.moneymanagerfree
Standing vs Sitting: 9 Health Benefits of Standing Up: https://www.developgoodhabits.com/standing-vs-sitting/
The One Proverb I Live My Life By: https://medium.com/skilluped/the-one-proverb-i-live-my-life-by-124d001719c8
Do You Want to Be a Better Communicator?: https://www.psychologytoday.com/us/blog/the-web-violence/201409/do-you-want-be-better-communicator
The Cost of Interrupted Work: https://www.ics.uci.edu/~gmark/chi08-mark.pdf
Fifteen benefits of drinking water: https://www.medicalnewstoday.com/articles/290814#benefits
Battle of Marignano: https://en.wikipedia.org/wiki/Battle_of_Marignano
Purikura-The Core of Kawaii Culture: https://www.gdayjapan.com.au/interests/culture/purikura-the-core-of-kawaii-culture/
If You Want to Change the World, Start Off by Making Your Bed: https://www.youtube.com/watch?v=3sK3wJAxGfs
A Bulletproof Way To Be Self Aware: https://medium.com/swlh/a-bulletproof-way-to-be-self-aware-1d5e21a06a9f
10 Ways Poor Posture Can Harm Your Health: https://health.usnews.com/wellness/slideshows/10-ways-poor-posture-can-harm-your-health?slide=4
Read 1 Book A Week (52 Books A Year)…Without Speed-Reading!: https://jimkwik.com/kwik-brain-004/
Reading books is on the decline: https://goodereader.com/blog/bookselling/reading-books-is-on-the-decline
6 Signs You’re Not as Busy as You Think: https://medium.com/curious/6-signs-youre-not-as-busy-as-you-think-and-what-to-do-with-the-time-391937766d20

✍️ This was initially published as an article on Medium.com by Mathias Barra: https://medium.com/the-ascent/21-tiny-habits-to-improve-your-life-in-2021-without-much-effort-2ab56e680947

✍️ Author: Mathias Barra | https://linktr.ee/MathiasBarra

👨‍💻 LET'S CONNECT
https://artofimprovement.co.uk/

Strictly Personal Growth and Self-Improvement.  
 
I make videos on this channel to help you learn how you can better yourself, how to be more productive and how to take care of yourself - basically anything about self-improvement. 
 
To receive the full illustrations and PDF summaries from my videos for FREE, head over to: https://email.artofimprovement.co.uk


The Art of Improvement

21 Tiny Habits to Improve Your Life in 2021 Effortlessly

Do you have a negative voice in your head reminding you of your mistakes? That voice isn't something you were born with. Somewhere along the way, you learned to think this way. But it can be hard to truly know since that is the "normal" for you. And, while it seems motivating be a self-critique, in reality, you're putting yourself on the path of low confidence & low self-esteem.

Being hard on yourself

Whenever we make a mistake, even a small one, we talk ourselves very critically about it. While this might seem like a good thing, but we do not necessarily improve with strictness. Instead, one could end up hampering their self-confidence & self-belief.Instead, the next time you make a mistake, try talking to yourself like you would to a 4-year-old. Explain what went wrong, with kindness, not harshness.

Negative Self Talk? DON‘T!

Everyone has their set of strengths & weaknesses. So, instead of fixating on your weaknesses, be proud of yourself for how hard you've been doing. If it's doable, work to weaknesses, but do not feel bad about having one. Remember, you're a human, not a robot.

Strengths & Weaknesses 

How you accept compliments plays an important role. Accept your compliments graciously, know that you deserve them for all the hard work you've done.Journaling the compliments & reading them later can help you remind of your achievements.

Accepting Compliments 

Made mistakes in the past? That's fine. Learn from them and move on. Stop reminding yourself how badly you messed up that time back then. Forgive yourself once & for all, and move on.

Forgive Yourself

I love you! Just want you to know that ♥


Hello! I'm Melissa, a vegan weight loss coach who teaches the life-changing principle of Calorie Density.

When you follow a low calorie density diet, you're able to quit count calories, eat until you're comfortably full and still lose weight.  It really is the secret to weight loss.

My simple meals are quick and easy to recreate and never require a long, fancy recipe.

Get your copy of the "Low Calorie Density Weight Loss Handbook" at : https://melissaalexandria.com/product/low-calorie-density-weight-loss-handbook/

"Motivation is what gets you started, habit is what keeps you going." - Jim Rohn

Melissa Alexandria

How to Stop Being So Hard On Yourself

<ul><li>Intimacy is the feeling of closeness with someone. It usually denotes mutual vulnerability, openness, and sharing.</li><li>Intimacy is crucial. We are social creatures, we thrive on close personal relationships with others.</li><li>Mental/Emotional intimacy plays an important role in developing real & deep friendships.</li><li>Boosted morale, reduced stress, improved physical & emotional well-being are some benefits of emotional/mental intimacy.</li></ul>

Intimacy: The What & the Why 

<ul><li>Touch: Use your body to demonstrate warmth. Use gestures like shaking hands & patting their back while respecting their personal space. </li><li>Compliment: Develop the habit to remember details & express genuine praise when it is not expected. </li><li>Converse: Make time for rich and meaningful conversations. Don't stop talking once you've known each other.</li></ul>

How to Cultivate Intimacy? (1)

<ul><li>Listen: Develop the habit of attentive listening. Be genuinely interested in what the other person has to say.</li><li>Talk Freely: Don't suffer from "I-have-to-be-strong" syndrome. Talk about what you're feeling, be human. </li></ul>

How to Cultivate Intimacy? (2)

<ul><li>Listen with your eyes: Use the visual cues effectively & consciously.</li><li>Disperse advice sparingly: More often than not, people don't actually need advice; they just want a sympathetic listener.</li><li>Never break confidence: Despite your need to show off, never break confidence in what someone told you in private.</li><li>Complete the loop: Staying silent is negative feedback. Always acknowledge the speaker.</li><li>Feel honored: Understand it is a great gift when people trust you. Bear the responsibility wisely.</li></ul>

How to improve your communication skills?

In the newly revised edition of The Friendship Factor, McGinnis reveals that at the heart of each relationship is the essential ingredient of warmth and caring-the friendship factor. With captivating examples from the famous and not-so-famous, as well as the teachings of Jesus, McGinnis shares the secrets of how to love and be loved. The Friendship Factor has sold more than one million copies and has been translated into twelve languages.

loveandrelationships

Love & Relationships

books

Books

At the heart of each relationship, says McGinnis, is the friendship factor-the essential ingredient of warmth and caring. With captivating case histories and anecdotes about such famous people as George Burns, Howard Hughes, and C. S. Lewis, McGinnis shares the secret of how to love and be loved. The first edition of The Friendship Factor, published in 1979, has sold more than 350,000 copies.

Alan Loy McGinnis

The Friendship Factor

You do not have to be an extrovert to have great friendships, here are 5 ways to deepen your friendships:<ol><li>Make Friendships your Top Priority,</li><li>Cultivate Transparency,</li><li>Dare to Talk about your Affection,</li><li>Learn the Gestures of Love,</li><li>Create Space in your Friendship.</li></ol>

5 Ways to Deepen your Friendships

<ul><li>Do not fear losing someone, for the idea of avoiding hellos to prevent the pain of goodbyes is anything but a solution.</li><li>"It's better to have loved and lost than to have not loved at all" ~ Alfred Tennyson.</li><li>Make conscious choices and efforts to make friends.</li><li>Strong friendships free us and do not cripple us with dependence.</li><li>Friendship is the most valuable asset out there, be sure to invest in it.</li></ul>

Make Friendships your Top Priority

<ul><li>If we are more humble than a facade, if we build more windows than walls, we will have more friends.</li><li>Get acquainted with the hidden section in your mind that contains memories of mean selfish impulses that terrify us, that erupt occasionally.</li><li>Dare to take the initiative of self-revelation, sharing, and opening up.</li><li>This does not allow your emotional life to be an open book. You must decide how much of yourself to reveal.</li><li>Be sure to exercise caution, as to not damage the listener.   </li></ul>

Cultivate Transparency

<ul><li>Remember, when one distills the essence of our existence, it has almost nothing to do with material wealth, it is all about love.</li><li>Take the initiative to declare your affection to the people you care about and see the bond growing even stronger.</li><li>With that be sure to be selectively elusive.</li><li>While trying to play it cool, don't be the unsentimental one.</li><li>Showing affection will only make you human.</li></ul>

Dare to Talk about your Affection

<ul><li>Spend time doing something together.</li><li>Be the one to provide help with some task.</li><li>While sending a gift, make sure to send a thoughtful one.</li><li>Just be kind, in general.</li></ul>

Learn the Gestures of Love

<ul><li>Give others room to grow.</li><li>Don't be the top dog by intimidating others. Any short-term benefits received will be at the cost of long-term rewards.</li><li>Don't be the manipulative type (overbearing, codependent, victim), consciously or unconsciously.</li><li>Be cautious with criticism, and be tolerant.</li><li>Accept them for who they are, even if you do not approve of everything.</li><li>Allow for solitude, and respect their need for privacy.</li><li>Don't expect to be the only one that matters, rather encourage other friendships.</li></ul>

Create Space in your Friendship

At the heart of each relationship, says McGinnis, is thefriendship factor—the essential ingredient of warmth and caring. With captivating case histories and anecdotes about such famous people as George Burns, Howard Hughes, and C. S. Lewis, McGinnis shares the secret of how to love and be loved. The first edition of The Friendship Factor, published in 1979, has sold more than 350,000 copies.

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