Categories
Development

Personal Financial Plan, Investment, Health for better future with Happy Retired Life

CONTENTS

Introduction

It is my great pleasure to share my practical experience with you.  I have gone through all these different stages of personal plans for my future, executing, achieving, reviewing and now experiencing retired life. By reading these facts, you will come to know, what was right, what went wrong,  what was the plan for the future and what was the target, how did I achieve the target, what were the difficulties, how did I overcome all these difficulties, and finally, how I am going through the retired stage of my life.  What could have been done better in these stages so that to make the current retired life better and fully satisfied.  I am sure that this sharing will be of  great help to you.

Your belief and your plan for the future is going to make your life happy, successful and different.

Your Current  Status : Student or Job or  Business

If you are student, the future plans of a student could be to concentrate more on your studies and complete your education successfully.  You can start your earning initially by working online with any of the various options and opportunities available.  You can also apply for your job with a very good CV.  Meanwhile, you will have to enhance your Personality Development Skills with including Communication Skills as a better plan for your future.

Are you working in a Government Company or a well established Public or Private Company or a fully Private Organisation?  You may get a very good salary sufficient to meet your both the ends.  If the salary is insufficient you can take care of your immediate requirements and you can keep applying for a better job with a higher salary or target your professional growth with an increased salary.

What about your future?  Are you planning for your better future?  Are you putting your plan into action?  Most of us are very good planners but the plans remain unexecuted.

Are you saving any money from your current salary?   If yes, will this saving take care of your own and your family requirements, any emergencies, celebrations and other occasions?  This can give some financial planning for beginners also.

What happens when your children get good education, get a good job, get married and settle down?  I am sure you help them and guide them in all these stages with many developmental activities and funding these activities.  What happens to you and your wife after your children get settled down?

What are the ways you can plan better for the future and what should be your Long-Term Financial Goal?

If you get sufficient salary, you are happy planning for your monthly requirements and expenses.  Some of you prepare your monthly budget as below and spend accordingly.

  • Rent
  • Loan Repayment
  • Groceries
  • Clothing
  • Dining out
  • Household maintenance
  • Health
  • Emergency fund
  • Education Expenses
  • Subscriptions and memberships
  • Travel and transportation
  • Prescriptions
  • Entertainment
  • Personal care
  • Charity or Donation

I am sure you currently have different loans like;

Home Loan

Vehicle Loan

Personal Loan

If you don’t have any of these now, you may go for them in future for your growth and well-being.  You might have monthly Equated Monthly Instalments (EMI) to be paid from your salary.  You feel happy to pay the EMI regularly, especially when your income is stable.  You do have other commitments.  Some of you take care of your parents who may be staying with you.  You take care of your children’s daily requirements like food, clothing, travel, education, etc. 

A Case Study :  Practical Experience

This case study could be a plan for your future example.

An efficient, energetic, talented and positive attitude professional, Mr. AD, was working in a very good, well established Government of India Enterprise & a TATA Enterprise for 26 years.  He left this company because of an offer for a higher position with a higher salary from a private company.

He took up this new job and started working in this new and fully private company.  Mr. MD of this company found Mr AD very good and result-oriented.  There was definitely 4 times growth, in terms of Revenue, Staff Strength and also Territory & Technology Expansion with the enhanced services after Mr AD joined this company.

Mr. MD gave him an additional responsibility/assignment with increased salary.  After 3 years of growing great,  Mr MD started deducting 50% percentage of  AD’s salary without any prior notice or without any prior discussion.  This amount was not even deposited in any Provident Fund account or in any public savings account earmarked to be returned later to Mr. AD.  When he  requested Mr. MD to return this deduction, he was told that they would review and consider returning it later. This 50% deduction was done regularly and continued for 2 years period.  The total deduction accrued to Rs.11 Lakhs.  Mr AD started worrying a lot about this deduction.  Because he withdrew his total Provident Fund and Gratuity from the previous company and spent everything for his daughter’s marriage, etc.  He did not have any other savings except a few small investments.

Mr MD started giving him lot of troubles and harassment by following many tactics.  At one point of time Mr AD was conveyed that his performance was not good and the amount could not be returned to him. Now, Mr AD’s major concern was this Rs.11 Lakhs.  Meanwhile, Mr MD remained busy with finding ways and means to retain this deduction and Mr AD remained busy with finding ways and means to get this amount from him.   Mr AD started approaching  the Employee Welfare Department and the Labour Commissioner’s office seeking their help in recovering this amount from Mr MD of this company.  They did give their verbal guidelines and also expressed their inability to resolve this issue directly.  Mr AD went through all the troubles and tactics, not giving up hope, and also not compromising on his performance in this on-going job.

Finally, Mr AD took a smart decision as he was 59 years old at that point of time.  He applied for another job, went through the interview process and he got a better  offer from the new company.  Keeping this job as highly confidential, Mr AD conveyed to Mr MD that he was taking an early retirement.  Mr MD immediately accepted the retirement note and decision.  Mr AD left this company with a happy note. By God’s Grace and Blessings, Mr MD started returning this Rs.11 Lakhs in bits and pieces, i.e. @ Rs.25,000/- per month on an average.  Finally and thankfully, this full amount was returned in  2 years time.  Therefore, Mr AD’s total loss was only the probable interest of Rs.1.50 Lakhs approximately, he could have earned in these 4 years, if he had gone for any saving.  However, he was very grateful that his money was returned to him.  This definitely was a positive, happy and memorable event.

What would have been the situation if Mr MD had not returned this Rs.11 Lakhs?  What would have been Mr AD’s financial condition?  What would have you done if you were in Mr AD’s place?  

Health is Important

At one point of time I was getting a 6-figure salary per month as  Assistant Director & later as CEO.  My wife was getting a 5-figure salary per month as  Vice Principal of an English Medium Secondary Private School.  I was regularly playing Table Tennis from the age of 49 years as part of my physical exercise.  All of a sudden and unexpectedly, I had a heart attack at the age of 61 years.  I had 90% blockage in my heart.  I went through an angiography surgery which was successful.

After 5 months of this angiography surgery, I had Covid-19 attack also.  By God’s grace and blessing, I was miraculously saved from these two dangerous situations.  My daily yoga after angiography and my prayer with God’s blessings and grace saved me.  Thanks to God.  I had to resign from my on-going job and my wife also had to resign from her job to take care of me.  We both moved to Canada where our son is staying.  Now we are in Costa Rica (part of Central America) with our daughter.  Our children are very kind to us and are taking care of us fully.

What is our status now?  We are forced to retire early because of my bad health.  Are we getting any pension or any other financial benefit to take care of us?  I am getting only a 4-figure pension which is very less.  Wherein my children have to spend $380 (that is Rs.29,000/- approximately) per month for my monthly medicines alone.  How big is a 4-figure pension per month compared to the 6-figure salary I was getting plus 5-figure salary of my wife per month?

What were our financial priorities and goals?  What was our Long-Term Financial Goal?   What is our current status?  This situation encourages me to share my practical experience with you through this article so that you can plan better for your future.

Good Health Insurance and Life Insurance Policies

Luckily, I had two different Good Health Insurance Policies which really helped me financially during my heart angiography surgery. This Insurance Policy was taken from Royal Sundaram General Insurance Company Ltd which helped me financially for Heart Surgery by paying the full amount of Rs.3.20 Lakhs.

I also had Covid-19 Pandemic attack after 5 months of my heart angiography surgery.  I was  again hospitalized for the treatment.  I had another Good Health Insurance Policy from The New India Assurance Company Ltd through Citibank Credit Card which helped me financially for the Covid-19 Pandemic Treatment.  Total amount spent on the treatment was Rs.4.45 Lakhs.  We received Rs.2.69 Lakhs from the Insurance Company as reimbursement.  We had to spend the balance Rs.1.76 Lakhs from our own savings. 

I also had taken many Life Insurance Policies with Life Insurance Corporation (LIC) which really helped me financially at different stages including the Policy as Guarantee Document when I went for a Housing Loan with HDFC.  I also got very good return when my Insurance Policies were matured.  I am really thankful to  these Insurance Companies.

You might know that there are Group Insurance Policies initiated and covered by the employers.    However, please go for your own Insurance Policies which are very helpful at the right time.

SMART    &   TIMELY    PLAN for better future

Your beliefs and plans for the future should be  make a BETTER PLAN for BETTER FUTURE.

Here are some strategies to help young professionals to take charge of their financial future:

  • Identify the Problem and Set up further plan and resolutions.
  • Take small steps forward towards achieving personal financial goals and objectives
  • Think realistically and patiently.  Take definite steps with necessary actions for your future safety and security.
  • Be ready and be prepared to take  few unavoidable risks
  • Save for retirement and other long-term financial plans.
  • Save for short-term.  Start an Emergency Fund.   Make sure emergencies don’t become disasters because of lack of funds.  Save for mid-term plans too.
  • Let us be very positive about our future and everything in life.  However, Life is still unpredictable, and it’s important to be prepared and to be cautious.
  • Paying off debts is one of the most important financial goals. Tackle and pay off  the high-interest debt  at the earliest.
  • Create a real estate plan.  Make it highly possible to buy a home and also a plot of land.  You are sure that the value of these real estate do appreciate.

What are your Financial Goals and Objectives?

Traditionally, there are  three types of financial goals; Short-term, Medium-term and Long-term financial goals.

Improve your financial literacy, awareness and knowledge.  Your financial strengths and weakness will fully depend on this.  This gives you an idea; how to plan for your future goals.

How do you plan financial stability for the future?

Planning well in advance works better and strong because: Picturing your goals can motivate you and keep you focused. Planning how to reach your goals helps you set priorities and stay organized. Sometimes you need to do things in a certain order, therefore it’s important to know where to start.

What are your future ambitions?

Some examples of ambition that you might provide during an interview include productivity, efficiency, collaboration, or goal-setting. Perhaps you helped your previous employer increase their marketing reach, overall revenue, or other important qualitative or quantitative metrics.  How about doing that for yourself in your plan and goal?

Your Family Commitment and Fulfilment

Before I got married, I took care of my parents, took care of the education of my siblings.  After my marriage I continued taking care of my parents and started taking care of my own family.  However, I continued giving comparatively less support  to my siblings also till they start earning.

These are your family commitment and you need to fulfil them.

Education for your children

Extra-curricular activities (Music, Dance, Sports, etc.)

Dresses and Ornaments for your wife and children

Job, marriage and settlement of your children

Make  Investment  for your Better Future

Have the following plan of your investment consisting of both Monetary and Material.  Take it as future plans list :

I.  MONETARY  INVESTMENT

1.       Bank Balance : Maintain sufficient balance to take care of any emergencies.

2.       Fixed/Term Deposit

3.       Public Provident Fund (PPF)

4.       Small Savings :   Post Office Saving Plans

                    a)       National Saving Certificate (NSC)

                    b)       Kisan Vikas Patra (KVP)

                    c)       Monthly Income Scheme (MIS)

Invest a lump-sum amount as Fixed Deposit for a period of 5 years.  This will give you an interest on monthly instalment basis (calculated upto 8%) on the amount deposited.  Instead of withdrawing this amount for your use, you reinvest it as Recurring Deposit on monthly basis for a period of 5 years.  This also gives you upto 8% of interest.

                    d)       Recurring Deposit (RD)

Open the RD Account for 3 years or 5 years.  This RD amount comes from Monthly Income Scheme (MIS) on monthly basis.  This will give you another 8% (approximately)  interest on the recurring deposit.

5.       National Pension Schemes (NPS)

Maintain certain Percentage of amount towards purely on Pension Scheme (Tier-I).  Your contribution could be either on monthly/quarterly/half-yearly or even on yearly basis.

Also maintain some Percentage of amount towards Saving Scheme within the NPS (Tier-II).  This also gives you good earning.  However, this depends upon the market condition.

6.       Mutual Funds

You can go for monthly Systematic Investment Plan (SIP) of Mutual  Funds.

 7.       Share Market Trading

II.       MATERIAL  INVESTMENT

1.       MOVABLE ASSETS

a)       Gold

b)       Silver

c)       Car/Bike/Scooter

2.       IMMOVABLE ASSETS

a)       House           }        

b)       Land / Plot    }

The value keeps appreciating as you are aware.

III.       LOANS

Loans help you to buy your assets/property, investment for your business and even for future growth and development.  Secondly, they also help you to have a Tax Saving Plan as per Income Tax guidelines.  In my case, I had Housing Loan and Education Loan which helped me in Tax Saving Plan.

          1.       Housing Loan

          2.       Educational  Loan

IV.        INSURANCE POLICIES

Insurance Policies are beneficial to anyone looking to protect their family, assets/property and also themselves from financial risk/losses. Insurance plans will help you pay for medical emergencies, hospitalisation, contraction of any illnesses and treatment, and medical care required in the future.  They help you for your safety and security.   And these policies also help you to have a Tax Saving Plan as per Income Tax guidelines.

Regular Review  to know your Savings, Total Wealth and   Net Worth

Make Investments to build your savings.  Track your money, and redirect it toward your goals.  You need to have future development plan and future plan ideas so that to make your life successful and ever green.  Get into the habit of reviewing your financial position regularly.

In my life, everything went on smooth.  But, since there was no regular Review and Analysis, at the time of planning for my daughter’s marriage, I realised that we did not buy sufficient jewellery/ornaments which was the basic requirement for the marriage as per the tradition and culture.  Also, I did not have sufficient savings for the marriage expenses.  We had two options; either to go for a marriage loan or to withdraw the provident fund.

We were more concentrating on repayment of loans, children’s education, including higher education, clothing, health, growth with extra-curricular activities.  But we did not have a proper plan, goal, regular review and analysis.  We landed into practical problems at the time of need.

(All these figures in this worksheet are imaginary)

These Questions to yourself will help you review your financial plan

  1. What steps did I take that put me closer to my plans and goals?
  2. Was my spending in line with my plan and goal?
  3. What mistakes did I make in the last month which could be corrected now?
  4. Are my financial goals still realistic or is it required to be changed?
  5. What are the list of expenses coming up soon?
  6. Am I saving enough to make my retirement comfortable  based on my ideal retirement plan and strategy?
  7. Am I on track with my savings for me, my family and my children?
  8. What steps can I take to make the next month better?

RETIREMENT  PLAN

National Social Security Fund (NSSF) is available in all the Western Countries but not in India.

As per this NSSF, the Government deducts some percentage of amount from the salary of all the professionals whether you are working in Government or Private company.  After retirement, every individual will get equal amount as NSSF irrespective of the position or salary grade they were enjoying in their service.  This Social Security Fund takes care of your retirement life.

The biggest long-term financial goal for majority of the people is saving enough money to take care of them after retirement.

Government of India is offering 6 different Pension Schemes, namely;

  • National Pension Scheme (NPS)
  • Atal Pension Yojana (APY)
  • Pradhan Mantri Vaya Vandana Yojana (PMVVY)
  • Indira Gandhi National Old Age Pension Scheme (IGNOAPS)
  • Employee Pension Scheme (EPS)
  • Varishtha Pension Bima Yojana (VPBY)

Therefore, you have these options to choose the best scheme that suits your future need and to make periodic contribution to build up your Retirement Fund.

Do you want  to be  a  Dependent   or  Independent after Retirement?

What will be your monthly income after your retirement?

Do you stay with your children or do you stay with your better half separately?

Do you want to be a 100% Dependent or 100% Independent from your already settled children?

Your Personal Loans and Vehicle Loans would have got paid off fully.

How about your Home Loan?

How about other loan, if any, for your children’s higher education or their marriage with settlement locally or anywhere abroad?

Who is repaying these unpaid loans?  If your children repay these loans well and good.  What happens if they do not or they are unable to?

What about your health?  Are you fully healthy without any surgery or treatment or monthly medicines and tablets to be taken?

Are you retired from your job?

What happens to your Provident Fund, if any?

Are you getting any pension?

Are you getting any Social Security Fund from your company or from the government?

Do you have any savings still left for your and the family future requirements?

Is it possible to Save anything more after your retirement?

Will you be happy and fully feel satisfied, if you become 100% Dependent of your children after retirement?

Won’t you feel like contributing anything more to your children even at this age?  How and how much per month?  This depends on your effective plan and action.

Your children are definitely happy to take care of you.  But you feel that you are helpless and you are a burden to them as you cannot contribute anything in return at this point of time.

We have met many retired and old age parents in old age homes and we have spent time with them.  They also frankly expressed that they did not plan their future well.  This has  led them to such a situation of living in old age home as they could not trouble their children.  Even the children  find it really difficult to fully support their old age parents especially they need more finance to pay their debts and to take care of their own children’s higher education. 

There are parents whose children live abroad and they are unable to keep their old parents with them abroad wherein they are badly in need of love, affection and care from their children. 

These are the plans for the future examples and personal financial plan examples for your life.

FAQs on Practical Experience & Current Situation

You will agree with me.  These are the Frequently Asked Questions (FAQs).  Answers to these questions will make you analyse, become aware and allow you to take very realistic steps to plan further for your future.  These are the questions and answers based on my own practical experience.

What went right during my earning period?

I changed my job for a better growth and for a higher salary.  There were financial challenges and financial expectations with ambitions.

I was able to make a good plan, monthly budget and I started making good investments as per the investment list mentioned above.

What went wrong during this period?

I did not make a better future plan of my life with necessary goals, especially to take care of me and my family after my retirement.  I could not visualize early retirement life.  I wanted to work at least till the age of 70 years, but I retired at 61.

My periodic review,  assessment and analysis were absent, because I was busy with many things.

I did not set up a proper goal and target for the future.  I could not read any such article sharing such practical experience like this.

What was the plan for the future?

I was only very positive about future as my present condition, earning and position were very good.  I never thought that my health would become bad.  I never thought my wife also would resign and retire early because of my bad health condition.

What was the target?

I did not plan and set up any remarkable and achievable goal or target.  I didn’t realize the importance at the time of earning.  This makes me suffer only after retirement.

How did I achieve the target and how will you achieve your target?

Firstly, I did not set up any target.  I kept on investing as and when it was possible.  I kept on buying movable and non-movable assets as and when I had some extra finance with me.

I should have set up a target for my Retirement Fund.  I did not realize the importance at that point of time, but now I am going through this experience with less monthly income.

What were the difficulties and how did I overcome all these difficulties?

I had no savings for children’s higher education.  I had to go for Education Loan.  I used to save Income Tax under the section 80E on Education Loan.

No savings for daughter’s marriage.  I had withdrawn my Provident Fund.  I did not go for another loan.

Salary deduction on monthly basis which had no assurance of getting back.

Sudden Health problem forced me and my wife to resign from the on-going job.  I could not sit idle at home.  I learnt Digital Marketing as I was very comfortable with traditional marketing with Management.

I have no sufficient monthly pension to take care of my on-going monthly medicines after the heart surgery.  This situation forced me to fully dependent on my children for my monthly medicines and everything.

Finally, how am I going through my current retired stage of life?

I wanted to work till the end of life so that I can contribute to the poor and the needy also, because I started my career in a Social Service Society and I want to end with Social Service.

I have become 100% Dependent on my children who fully pay for all my expenses.  At times, I feel  uncomfortable in frankly asking them whatever I am in need of as I don’t want to trouble them much.  Because I was very active in earning, planning, taking decisions and spending.

I am unable to fully utilize my capabilities, expertise and techniques after retirement.  This has put me in an inactive stage.

What could have been done better in the earlier stages so that to make the retired life better and fully satisfied?

After withdrawing my Provident Fund from the well-established TATA Company, I should have continued my Provident Fund in the last 6 years of my career when I was working in Private Companies with a higher salary. (i.e. Financial Years 2014-15 to 2019-20)

I had more options like PPF (Public Provident Fund) & VPF (Voluntary Provident Fund).  I should have taken advantage of these schemes.

I started the National Pension Scheme (NPS) only in March 2016.  The main objective, at this time, was Income Tax Saving option with maximum amount of Rs.50,000/- (tax exemption limit) per annum.  I should have started the NPS much earlier and also with the contribution of  higher amount per annum.    This decision and appropriate action could have put me in better and comfortable position with very good return as Monthly Pension.

In 3 different financial years, I paid more Income Tax from my salary.  This could have been planned and executed better so that my saving could have been more.

Financial YearIncome Tax Paid by me
   2014-15    Rs.159,319=00
   2015-16    Rs.167,421=00
   2016-17    Rs.198,711=00

I could have planned better with more Tax Saving Schemes so that to have taken advantage of tax saving plans and to have saved or invested more for the future rather than paying such a high tax.

I am sharing these things with you so that you can become aware, take more precautions, have a better personal financial plan to save and invest more so as to take care of your future.

Categories
Work

51 Ways to Earn Money Online Work from Home

With my successful long professional career, growing from the grass-root position upto the Top Management position, i.e. from Office Assistant to the Assistant Director and CEO in India, I decided to stay with my children in Canada and Costa Rica.

I heard that a person can work up to the age of 65 years in western countries.  My strong ambition was to continue working in any Educational Institute as a Lecturer/Professor.  I wanted to share my Learning, Knowledge, Skills and Practical Experience to the youngsters which would give me the fullest satisfaction.

I tried my best in applying for jobs on Full time or Part Time or Contractual basis or as a Consultant.  I was ready to offer my Service either on honorarium or even free to a University which gives free Education to the deserving and needy students. Surprisingly, I was not getting any offer from anywhere, as I guess, for the following reasons :

1.  I did not have necessary Teaching Experience to be a Lecturer or Professor

2.  I was not a PR (Permanent Resident) of this country

3.  Because of my last position was a CEO and also because of my age group.

4.  Covid-19 Lockdown

5. I did not know the local language : Spanish

I also searched in Google for any Online Job so that to work from home.  I found some in the fields of Education & Training, Entrepreneurship, E-Commerce, Affiliate Marketing, Freelancing, Technical,  Social Media & Multimedia, Consultancy, and General Administration & Services.  It’s my pleasure  sharing these with you so that you can get influenced and benefited from these. 

As you can see, there are numerous ways of earning money from online jobs or online work or through online business work from home. All you have to do is to review and analyse them thoroughly and focus on whichever attracts you as per your skills and specialization.

Online Jobs for Students Work from Home as  Career  or  Business

Fresh graduates, after finishing their graduation, search for Online jobs work from home no experience.  They apply for job in many places and go through the interview process.  Because of competition, their capability and skills work better here.  Students who continue their studies can also find this Online Job wonderful opportunity to start and get needed experience online.  Online Jobs For Students To Get Your Professional Life Started and will set you on a successful career path.

Following online jobs are not always easy to get, but once you find your way, you’ll be able to build long-term skills, which can be turned into a career or a business.  These are the ways to make money Online by working from Home.  Learn more below about how you can earn a career or business on the world’s work marketplace.  Most of the online jobs are very simple and anyone with basic knowledge of Internet and English language can do this. You can even make thousands of dollars monthly with some of these options.

1. Affiliate Marketer

Affiliate marketing is the process of helping another company to sell their products or services by your special affiliate links. When you sign up for a company’s affiliate platform,  you will receive your unique link or links, that will get you a commission whenever a user clicks on them and decides to buy the products or services.  This is a continuous process.  This is simply a referral marketing where you can earn your commission. Let’s say that you have a website and you signup with retailers like Amazon or Flipkart, promote your favourite products on your website and social media to make decent earning.

When the visitor clicks the affiliate link and buys the book, Amazon or Flipkart will pay you a percentage of the sale.  People love affiliate marketing because they can start earning money without any investment but only with the link.  This is considered as a passive income.

I am discussing affiliate marketing as a separate option because it can fit with any kind of online business, in some scenarios people don’t even own a website but still make money through Affiliate marketing.

There are many Affiliate Networks and Affiliate Marketing Tools.

How much can you earn?          : between 5% and 30% on  products sold through your link.

Where to find the work?            :  Amazon

2. Amazon FBA Store

Amazon is one of the most respected shopping portals.  Along with shopping, you can also make great  income with Amazon work from home by job and by having store.

There are various categories of jobs in Amazon as below:

Amazon Design

Audio / Video / Photography Production

Buying, Planning, & Instock Management

Editorial, Writing, & Content Management

There are various  positions included in these jobs category.

How to start selling on Amazon?

It is a Fulfilment by Amazon (FBA) Store.  You can launch an Amazon FBA store as per the process mentioned below.   Amazon will handle all the shipping, customer service, refunds and payments directly for you. All you need to do is to provide your products to Amazon. They even have a nifty FBA calculator that you can use to calculate your costs of fulfilment and potential for profit.

Whether you’ve already got an established e-commerce business, a great idea for a new product, or you just have a passion for selling, here’s how to take that to the next step with Amazon.

*         Choose a selling plan : Whether you want Individual Plan or  Professional Plan

*         Consider your selling strategy :

Whether you are Manufacturer or Reseller.  You can choose whichever method works for your goals. If you plan to sell your own brand on Amazon, there are lots of resources and tools to help.

*         Create an Amazon seller account online with necessary basic information.


*         Choose the Product :

 Product category | Exact Product | Product Condition (New or Used)

How to Attract Customers?

Provide fast shipping

Advertise your offers

Set competitive prices

Grow your business after the first sale

Stay successful with a very good customers review by providing a seamless, trustworthy, delightful shopping experience for your customers.

3. Baker/Caterer/Chef

If you have the art and passion for baking or cooking, then turn your passion into a  business and earning platform. From your own kitchen, you could start catering services or become a personal chef.  If you’re a baker, you could sell your goods to friends, neighbours, and party organizers or on any special occasions online.

Three of my friends started baking and catering.  They enjoy and continue doing this with very good earnings.  My daughter also did cooking and catering on special events when she did not have a full time job as her career.

4. Blogger

Blogging is an online work or job from which you can make money on a part-time or a fulltime basis.  You can choose a topic you are truly passionate, comfortable and useful to the audience.  You can start  writing about your favorite topics like music, food, travel or any hobby. The opportunities from blogging  are virtually no bound.

Through Blogging, you can earn money in the following ways:

You can write Blogs for your own website.  Your blog can be your online business, it will take some time to build your audience. It usually takes at least 6 to 12 months to earn money from a blog.  But once you start earning money, then your blog can generate money even when you are not very active.

*  Affiliate Marketing – This is where you get paid a commission for any products that you sell through your blog.

*  Placing ads on your blog:  You can create online Advertisements using Google Adsense. You make money whenever someone clicks on such Blocks containing advertisement from Google Adsense.

*  Writing reviews about products or services of other companies.

*  Offering additional paid content within your articles (e.g., downloadable e-book, online consultations or related products).

*  Doing content marketing for your customers. You can either write articles for your client’s blog or pitch guest posts to reputable platforms including links to your client’s site. Your customer will pay you for spreading the word about their services and improving their ranking in search engines.

Generating your own leads for Training, Consulting, Email Marketing, etc.

*  Writing Blogs for other customers and media outlets that pay guest contributors.  You can also write Blogs for others on chargeable basis online, i.e. as a freelancer.

How much can you earn?          : $1,000 to $2,000 plus  per month

There is no any big investment required except Domain Registration, cPanel Hosting and other Plugins.    You need only good writing skills and expertise in finalising the right topic for the Blog.

https://www.domainnow.com/ is one of the most affordable options for Domain Registration & cPanel Hosting. WordPress  platform is very good to create your website with money-making blog up and running.  I started my website and even Blogging through these platforms.

5. Business Proposal or Project Proposal

If you are very good in this with relevant experience, you can earn a lot.  There are companies searching for such experts.  Even I have done this type of work.

Universities, hospitals, and non-profit organizations often need to apply for grant money. Since these applications can be difficult to write, considering the road-map, plan, target with necessary review, etc. 

How much can you earn?:         between $36,000 and $65,000 per annum. 

Where to find the work?  :         https://www.fiverr.com

6. Child Caretaker

Running a childcare business from your home can be lucrative, service oriented and very satisfactory, whether it’s just for a couple of hours or for the entire day. Please make sure that you obtain the necessary license and permit.

You can also have a babysit or house sit to make some money. You can use online resources such as Care.com to get the right source. You can also source child care, senior care, tutoring, housekeeping, day care, physically & mentally challenged care and even pet care.  Your neighbours, family members, relatives and friends or even any information through WhatsApp and facebook can help you with necessary source for this work. 

7. Clinical Research Coordinator

Clinical research coordinators help manage operations for clinical trials. A clinical research coordinator (CRC)  plays an integral role in medical studies of all kinds. They typically work under the direction of the principal investigator (PI), who is in charge of designing, conducting, and managing the clinical trial from a high level. 

Key responsibilities of the CRC include the planning and management of the study, enrollment, maintenance, training initiatives, and maintaining compliance with federal, state, and institutional regulations. In addition, they carry out experiments, clinical research, and medical studies.

The salary levels for clinical research coordinators can vary greatly, depending on factors such as where they work, their level of education and experience, and many other factors.

How much can you earn?:         more than $48,000 per year. 

Where to find the work?  :         https://www.indeed.com     OR https://www.naukri.com/

8.  Consultant

You can sell your knowledge, experience and expertise to many companies. You don’t have to be a super expert in one domain to become a consultant or teacher, you just have to be better in your skills.  You can either monetize your existing skills, or learn new skills, acquire necessary experience that make money online.

Anyone with a core competitive skill can become a consultant and find clients online. For example, if you are a legal or finance professional, then you can make your website, and start attracting clients online.  You can help companies in making a content marketing plan. They may get more business by running better marketing campaigns.

These are just some examples of different areas you can consult on:

  • Business & Entrepreneurship
  • Marketing & sales
  • Search Engine Optimization
  • Freelancing
  • Relationships
  • Health & Fitness
  • Fashion & Style
  • Parenting
  • Interior design
  • Writing

Where to find the work?  :      https://www.toptal.com/

9. Copy Writer Online

Copywriters  plan and create written content  for the purpose of advertising goods and services on behalf of a company or a client. This content includes advertisements, slogans, blog posts, emails, sales letters, technical documents, speeches, scripts and website copy.

If you have very good writing skills on the contents mentioned above,  you can easily convert it into a source of income.

Skills & Competencies required:

  • Creativity & Clear Concept
  • Social Media Awareness and Experience
  • Ability to learn on the job
  • Communication
  • Attention to details

How much can you earn?:   $15.00 to $57.00 per hour or on the basis of content or job work

Where to find the work?: Freelancer.com.

10. Customer Support Representative

Do you possess excellent communication skills? Do you also have a landline and reliable internet connections?

Many companies are planning  to outsource customer support services especially when their client base is global and they cannot provide round the clock support service with their own existing team.  If  you have very good experience in this area, willing to offer your services as a freelancer it is good to start now.

Email, social media and chat support services are the most common tasks of an outsourced customer service representative.  However, the wider the range of services you offer, the higher your chance of getting hired.  Data entry jobs, social media management, report preparation and other responsibilities will have added advantages.

How much can you earn?          :  $8 to $15 per hour.

11. Data Entry

There are different data entry jobs available in India & Global. You can find some good companies that can pay you money for working as data entry operator for them.  Entering data for businesses is not very highly skilled and the most exciting job.   You don’t need any previous experience or expertise on this.  You need to have good typing skill for this.

You can do such job with much ease and cool.

How much can you earn?:  between $10 and $30 per hour or on per page basis.

Where to find the work?            :  https://resources.workable.com/

12. Earn Money Online from YouTube

You need to understand that people are making money from YouTube. But you also need to understand that you need to register appropriately and follow the policies.

*         You need Audience

*         Make consistent Videos that viewers really like watching

*         Important that the Videos follow YouTube’s Community Guidelines

*         Join YouTube Partner Program (YPP).  This lets the creators to monetize Videos on YouTube.

How do you qualify for YouTube Partner Program (YPP)?

*         Be in good standing with YouTube

*         Ensure 4000 Public watch hours in the last 12 months

*         Get at least 1000 Subscribers

YouTube Partner Program (YPP) Application Checklist :

*         Fulfil YPP eligibility criteria

*         Sign the Partner Program Terms

*         Sign up for Google AdSense Account

*         Your channel will be reviewed against these policies

What are going to be your Earning Sources?

*         Advertisements

*         YouTube Premium Subscribers watching your content

*         Channel membership or Super Chat once you are approved by YPP

A YouTube user can make around $18 per 1,000 advertisement views, which comes out to $3 to $5 per 1,000 video views.

13. E-commerce : Online Digital Store Owner

You must be having some products in mind to sell on an online store – it could be electronics, jewelry, handkerchiefs, decorative materials, etc.  Even if you do not have your own products, you can sell other’s products with your own small margin.  Ecommerce is a hot business now.    You need pretty way to deliver your content, boost conversions, maximize customer value and run your business without worrying about technology.

The best way to start selling online digital products or services, you should start with this process :

validating idea,

set up the store,

procuring products and

finding customers.

Everyone wants to place order online sitting at home expecting home delivery. Amazon is not the only company benefiting from the rise in consumer spending online.  You can easily build an ecommerce store using  Shopify.   Sam Cart, an eCommerce platform, gives the easiest way to start accepting orders.  You can sell online courses, eBooks, Membership Sites, Coaching and Consulting.

There are sites like Shopify, Magento, WooCommerce and Marketplaces which can help you to launch quickly in  your eCommerce store.

14. Editing and Proofreading

What is Editing?

Editing is correcting, condensing, or changing a draft in preparation for publication. An editor is involved with the big picture of the document.

Content Editing : If you have experience in quality analysis and checking for content errors,  companies are always looking for such talented individuals for editing written works.

What Is Proofreading?

Proofreading involves examining the text and ensures that the written content is free from grammatical errors including spelling, typography, formatting, and syntax.

Proofreading vs Copy Editing

Proofreading and copy-editing are sometimes mixed up or used interchangeably. Knowing the difference between these two concepts can help you when looking and applying for online proofreading jobs.

In professional publishing, copy edition is the act of improving what an author writes. Proofreading , on the other hand, is a safety net that ensures that the author and copy editor didn’t miss anything. These are two different remote jobs with the same goal: making a piece of writing as better readable and error-free as possible. 

Finally the work of proofreading may include copy editing also and which has the following activities:

Find and correct different types of grammatical and punctuation errors.

Incorrect numbering of pages;

Inaccurate index;

Misaligned text;

Additional (or missing) spaces between words;

Incorrect paragraphing.

How much can you earn?:         $25-$50 per hour.  But there are charges on the basis of pages edited or proof reading done.

Where to find the work?  :  https://speakt.com/industry-translation/

Some people use grammarly.com for doing this type of work.  Similarly, many entrepreneurs write their own website texts or blog articles that just need editing and proofreading, or translation for other markets.   You can share your resume and  your work sample.  This will help you win a very high competition prevailing in the market.

You can take the help of Google with Google Search.

Google Docs is an online word processor included as part of the free, web-based platform.  Google Docs Editors suite offered by Google, which also includes Google Sheets, Google Slides, Google Drawings, Google Forms, Google Sites, and Google Keep.

With Google Docs, you can create and edit text documents right in your web browser and no special software is required. Even better, multiple people can work at the same time, you can see people’s changes as they make them, and every change is saved automatically.

15.  Email marketing.

Email marketing is a powerful marketing channel.  This is known as both direct marketing and digital marketing, that uses email to promote your  products or services. It can help make your customers aware of your latest items or offers by integrating it into your marketing automation efforts.

There are ways and means how to generate the Email list.  This also depends on the type of business or your products and services.  The money truly is in the list. But building that list is challenging. However, if you’re going to learn anything about online marketing, you should definitely learn how to do marketing through email.  Your marketing will decide on the demand for your products and services which finally leads to purchasing them.  There are tools for this purpose.

16. Facebook Online Jobs & Business

There are Jobs available in facebook which can be searched and located.  Millions of people use Facebook for sharing pictures, chatting with friends and getting many likes, etc,  but there are  so many people making money from Facebook.  There are many ways you can use Facebook, Twitter and Instagram to earn good income.

You can earn money through your Facebook Profile or by creating a Facebook Page or Post. There are other options where you can use Facebook Business, Facebook Marketplace and Facebook Groups,  etc.

Post your Content, Advertisement in Facebook Page.  Also you can make videos in Facebook like in YouTube, and include Advertisements in these Videos.  Learn to manage Advertisements in Facebook and you can earn through this campaign

You can even get paid for likes of all these posts and videos.  This definitely takes time.

17. Film and Post Instructional Videos

People watch videos to learn new skills and knowledge.  Videos give us the right, clear and better information as compared to contents with text and audio. Therefore, engaging and entertaining people with effective videos is very important.

What equipment do you have to use for making videos?

iPhone with iPhone Holder, Pop Filter and Video making App.

Teleprompter with Remote

You do not require fancy cameras, expensive microphones, complicated lighting setups.  These will, of course, be required for highly professional and polished videos.

You can definitely make quality videos with minimum and normal equipment like,  

  • A computer 
  • A camera (even a webcam will do)
  • A microphone
  • Proper Video Editing Tool

How much can you earn?: $12 to $30 per hour based on the level and expertise.

18. Forex Trading

Forex stands for foreign exchange trading.  The foreign exchange market is a global decentralized or over-the-counter market for the trading of currencies. This market determines foreign exchange rates for every currency.  It includes all aspects of buying, selling and exchanging currencies at current or determined prices.

Companies like ETradeSimpler Trading and Ameritrade provide platforms for trading currencies.

Forex.com offers forex & metals trading with award winning trading platforms, tight spreads, quality executions, powerful trading tools and 24 hours live support.

If you are interested in this trading, you can start with an investment.  This decision requires basic knowledge, bright decision making, courageous efforts and experience to be really successful.  There is an operational risk.  I personally have been using ICICIDirect.com.  Udemy has very competitive learning eBook materials on Forex Trading.

19. Freelance Animator

How to Become a Freelance Animator?  Are you an artistic and creative individual who is able to create animation and visual effects for television, movies, video games and other types of media? Then you can work at home as freelance animator and can earn money.

Common animation careers include art director, animator, craft or fine artist, graphic designer, and web developer. Careers in animation may be found in advertising, television, gaming, or film, along with a variety of other industries.

Employment of special effect artists and animators is projected to grow 16% from 2020 to 2030, much faster than the average for all occupations. About 7,800 openings for special effects artists and animators are projected each year, on average, over the decade.

Do you love creating heart-stopping images and gorgeous videos? Do you wish to get paid for your creative work? You might become a freelancer on Upwork, where businesses meet the talent.

How much can you earn?          :  $20 to  $38 per hour.

Where to find work?                  :  Upwork.com

20. Freelancer

Freelancing means providing your services to your clients.  Freelancing is one of the best opportunities of work from home to make big income. You can make your clients permanent with your satisfactory services by increasing their business. 

Who can become a Freelancer?

Whoever has specialized skills, willingness and Marketing Skills.  Freelancer platforms can show you the way how to go about it. Some of the most popular freelancer platforms include Fiverr, Upwork and  Freelancer

There are over 2600 work categories with different skills like programming, designing, marketing, writing, online promotion, web designing, coding, singing, dancing, creating videos, photography, image editing, etc.

How to Earn Money at Freelancer.com?

  1. Determine what you are good at, commit to a life of freelancing, and sign up with Freelancer.com.
  2. Set up your profile.
  3. Find projects and start bidding.
  4. Work hard and smart
  5. Get paid and earn five-star feedback.

Beginners can earn between $20 to $80 a day.

21. Gigs on Fiverr.

Fiverr is the world’s one of the largest marketplaces for digital services, where you can offer almost anything, like graphics & design, digital marketing, writing & translation, video & animation, music & audio, programming & tech, advertising, business, fun & lifestyle. This is the place to make money out of your creativity and profession.

The service you offer and sell in the marketplace is called a “Gig.” Your Gig is anyone or more of the  opportunities mentioned in this article.  You can showcase your products and services to potential buyers, and to provide them with all the information they may need before they choose to place an order with you.

You can sell virtually any type of service on Fiverr. No matter what you do, you can likely sell it there. While prices do start at $5, you can offer up-sells. Once you become top-rated, you have the chance of joining Fiverr Pro. Fiverr Pros are assigned higher-priced projects and can make much more income than other talents in the general pool.

How much can you earn?:  Starting at $5/gig.

22. Google Online Jobs

Google is the most trusted and respected company on internet world-wide.   Google is where people search for what to do, how to do, where to go, and what to buy. Your digital advertisements can appear on Google at the very moment someone is looking for products or services like yours. Whether on desktop or mobile, a well-timed advertisement can turn people into valuable customers.

I have been very extensively using Google for  the last two years for  various reliable searches, information, templates, formats, explanatory videos and learning videos, etc.  Google does take care of all my requirements.  Therefore, I put my 100% trust on Google for my business from home.  I know, you too are in the same boat.

There are many ways you can earn money through Google Online Work from Home or Google Online Jobs.

Following are the few ways you can do job, do business, earn money and become successful.

*         Google AdSense

*         YouTube

*         Google Opinion Rewards          

*         Google AdMob for Android developers using their Apps

*         Google Ads

If  you are a business owner, you can also increase your own business,  through Google Ads with very flexible plans.  When you register your business with Google, you get a Free Advertisement Credit for Rs.2000/- which can be initially used for Ads of your business through Google in your website.

For all these opportunities you need to search in Google, get the details and Register yourself online.

23. Graphic Designer

If you are talented in any crafts or design, there is definitely a market for your art. If you have at least  certification in this area with sufficient experience, you can make a comfortable salary. 

The nature of work will be Logo, Advertisement, Cover Page, brochure, product design, Banner and Icon for YouTube channel. Also Coral draw design for flex printing and pamphlets

Following are the type or category of Graphic Designing :

Logo Design

Photoshop Editing

Web & Mobile Design

Presentation Design

Architecture & Interior Design

You can earn between $1 and $6 per hour or on fixed charges basis ranging between $6 and $142 based on the work levels.  You can earn annually $45,000 and and above.  Get updated with the hiring data.

Where to find the work?  :  99designs, canva, creativecircle and Landor

24. Handmade Crafter

A handicraft, sometimes more precisely expressed as artisanal handicraft or handmade, is any of a wide variety of types of work where useful and decorative objects are made completely by one’s hand or by using only simple, non-automated related tools like scissors, carving implements, or hooks.

Here are some of the best handmade product ideas for online stores.

  • Resin Jewellery
  • Digital Art NFT
  • Custom Engraved Tableware
  • Pet Clothes
  • Ceramic Planters
  • Handmade Jewelry
  • Candles
  • Bathbombs and Handmade Soaps

Here are few images of knitting my wife has made for my grand-daughter .

Some great platforms for selling your products online:

Facebook is the most obvious place to start. 

Create a page for your product or brand, invite all your contacts to join and come up with a contest with free giveaways. You can also add a shop to your Facebook page or join Facebook Marketplace that enables buying and selling right in the app.

Etsy is the most famous platform for showcasing handmade items.

If your art is less tangible, you can create your online store with Sellfy. Creative entrepreneurs use this tool to sell digital products like video or photo presets, e-books or copywriting templates, animations, jingles, beats, or even knitting patterns.

Sell T-shirts, posters, mugs, hats, or even bags with your design or beautiful quotes. Drop shipping services like Printful handle all the printing, packaging, branding and even sending in your place.

Etsy and Zazzle are great resources for selling handmade items. If you’re skilled at knitting or woodworking and any other trade that involves crafting things with your hands, consider selling those items online through Etsy or Zazzle.

25. Internet Security Specialist

Internet Security is otherwise known as Cybersecurity.  The security specialists are also referred to as information security analysts.  You can be the one who monitors company networks for security threats and you  often need to implement security standards and install data protection systems as well.  As per the cybersecurity analysts,  this job is expected to grow about 31% from 2022 to 2029, much faster than the average for all occupations.

26. Launch an online course

If you have a very good power of expression and if you can explain the concept and content well to others, you can design and develop an online course, syllabus or course content, duration and the charges for the course.

You have many options of courses :

Languages : English or German or Spanish or French or any other foreign languages.  I am currently learning Spanish through https://www.duolingo.com free.  I am going very strong with Duolingo.  I can teach English and Spanish online.   There is a referral program in Duolingo. With our referral program, for every 1 person you refer and sign up for a Duolingo account, you receive a free week of  Duolingo Plus!

One of my friends, with a long professional experience in Corporate Companies, is teaching German Language online. 

Learn German Online and Teach German Online

Online Courses will be another great source for generating income.   You can create a video using power point and upload this on the sites of  Udemy,  or Teachable or teachwhatyoudo by complying with their policy, terms and conditions. You can even design and develop your own website, generate email database to sell your course online or you can organize the training online. 

27.  Nurse – Telephone or Telehealth

If you are a registered nurse, you can work online from home and get paid as:

A Telephone Triage Nurse has to provide a very specialized service in the field of healthcare.  A Triage Nurse is a registered nurse positioned in an emergency room (ER) or facility; responsible for assessing patients and determining their level of need for medical assistance.  You not only have to assist patients over the phone or through video chat, but also have to help determine whether the calling patient needs to seek emergency care, schedule an appointment with a physician, or treat themselves at home.

A Tele-health Nurse has to spend most of your time working with computers, phones, and faxes. This means that  you need to be technologically savvy.  You also need to complete electronic charting in order to keep track of  the patients’  prescriptions and medical history. 

You can  work for health insurers or health management companies like Humana, Aetna and United Health Group. They hire nurses remotely to handle case management, treatment authorization and patient education.

Where to find Work? :     https://www.ziprecruiter.com  OR Indeed.com

28.  Online Micro Jobs

Micro jobs simply means small remote jobs  or tasks  or assignments which may take  few minutes or an hour to complete. There are dozens of sites like Amazon Mechanical Turk, MicroWorkers which provide such online micro jobs.

There are hundreds of small tasks like sharing a page, giving review or rating for a product or page, writing a short article,  searching something from Google, creating a testimonial or many other simple and easy tasks.  Profit from your Talents. 

You can earn 5 cents to $1 for completing each task  depending on the time duration of the tasks.  Payment also will vary accordingly.  If you work 1-2 hours a day then you can earn between  $10 to $30  per hour.

I am sharing my personal and practical experience.  I registered myself with Clickworker  and earned some money in Euro currency.   They work on AI training data, SEO texts, web research, tagging, surveys and more.  They use the crowd sourcing principle with the power of  more than 3.6Million Clickworkers.  Clickworker has got many specialists registered and are earning really good amount of money. Clickworker always looks for internet users worldwide who can create or correct texts, participate in surveys or search and categorize data.

How does it work?  You can sign up as a Clickworker free of charge.  You work independently.  Your schedule is flexible and all you need is a computer and/or mobile device with internet connection.  You can decide when and how much you want to work and how much you want to earn on a freelance basis.

29. Online Survey

Online surveys are another best way to earn money on internet. In online surveys, different companies ask for your opinion for their product or services, so that they can do analysis on the basis of survey and work out a plan and method to increase their sales.  Here you can sign up with different companies who provide this online job. Once you join the online survey companies, they will send you the survey forms or format.  You can complete them in time and  get paid.

If you search online, you will find hundreds of online survey sites but only a few may be genuine survey sites.

You can earn any amount between $5 and $50 Per Survey basis.

30. Pet Groomer or Caretaker

Do you love pet animals?  Are you ready to clean, feed and play with the pets?  If your answer is “Yes”, you can start your business or work from your home.  You need to use Rover.com to source this work in your area.   Rover.com is an American company which operates an online marketplace for people to buy and sell pet care services including pet sitting, dog boarding, and dog walking. The process is as follows:

Boarding, House Sitting, Pet Walking, Day Care and Drop-in Visits.

Rover.com offers one of the largest nationwide networks for dog walkers and pet sitters. The company manually reviews every single profile before allowing anyone to offer their services on its platform. They vet and verify to meet the expectation of the owners. But, once you’re approved with the required satisfaction level, you can quickly start making money.

Even in Costa Rica, I have seen personally. Every family has at least 2 or 3 pet dogs and many families have cats also.  They do take them along wherever and whenever they go out. This opportunity is available here also.

31. Photographer  OR  Videographer

Everyone has camera on their mobile phone these days, but there’s still a need for professional photographers and videographers for events like weddings, parties, festivals, social gatherings, conferences, etc.  There are people who love posting their photos of birthdays, anniversaries, festivals and other memorable occasions in facebook.  Same is the case of making videos and they are being shared in YouTube Channel, WhatsApp and Facebook.

If you love taking photos or videos, you can quickly turn this hobby into a source of income. Here are some ways photographers or videographers can earn money online:

  • Teach photography or Videography. Share valuable tips and techniques that aspiring photographers/videographers would love to hear about.
  • Sell posters or digital artwork. 
  • Sell your photos/videos on stock websites. ShutterStockiStock, Foap, vimeo, upwork, fiverr, and BigStock are the most famous photo/video databases.
  • Offer your photography/videography and photo/video editing skills on freelancer platforms

Capture your prospects or direct customers’ attention with photography and video.  Now-a-days, there are very effective tools very much available.  Using these tools, you can reach more customers and more locations to build your brand.

32.  Product Reviewer on YouTube or other Platforms

You can involve yourself  just by reviewing the products that are being used by you, or your friends or your own relatives on a daily basis. 

Product reviews give your customers the opportunity to review the specific products they have purchased and have been using themselves. They can take further action of purchasing products which give them satisfaction on the basis of the review. Customers can rate a product overall, or individual product attributes.  There are websites devoted to providing consumer opinions and reviews including the benefits on products, services and businesses.

Most of us have checked a product review on YouTube before making a purchase. Why not try offering your own product review videos on YouTube?  The good news is that you can review products in your favourite niche – be it technology, beauty, home decor, fitness or any other category.

Here are some ways you can earn by placing product reviews on YouTube:

  • YouTube advertisements – if you get a lot of views, advertising can be a good source of income.
  • Affiliate marketing – place an affiliate link in the video description and get a percentage of the sale.
  • Get paid to produce sponsored reviews – get hired by brands to do specific product reviews. There are websites to search for paid sponsorships.

With time, you can grow your audience, gain influence and work out more deals of reviewing the products that you love.

Some of the best Sites providing Customer and Product Review

  • Amazon Customer Reviews.
  • Angie’s List.
  • Choice.
  • Trustpilot.
  • TestFreaks.
  • Which?
  • ConsumerReports.
  • Consumer Affairs.

33.  Programmer

Coding is used to describe the process of programming using a language or ‘code’.  There are different services and different platforms like web content, mobile apps or desktop software.  There are few codings that are most popular such as HTML, Java and JavaScript.

Learn a programming language, such as Python, Ruby, and you could end up making around $61 per hour for programming.

What does an Online Programmer Do?

An online programmer’s responsibilities are to design, develop, test and implement online features or software for a mobile application or a website.  Working on mobile apps is a good option if you want to work as a programmer from home, as you’ll be able to find smaller app projects on freelancing sites like UpWork relatively and easily.

U.S Software Programming Jobs:  Work Remotely. No Visa needed. Full time jobs. High salary. Great Companies. Higher Pay. Interesting Projects. Work Remotely.  Elite Software Engineers are required.  Visit https://developers.turing.com

The requirements are :

Programmer · Data Processing Automation Programmer (DPAP) · Site Reliability Engineer · Ruby On Rails Developer · HTML HAND CODER Online Mentor – Web Development …

Freelance Programmer’s  Salary

Annual SalaryHourly Wage
Top Earners$118,000$57
75th Percentile$85,500$41
Average$70,714$34
25th Percentile$45,500$22

34. Publish Ebook or Audiobook.

Have you ever dreamt of becoming an author?  Do you want to be?  Anybody, having strong interest and skills, can self-publish an eBook these days.  How?  Simply use Amazon‘s Kindle Direct Publishing (KDP) and you can become a self-published author.

Do you want to sell a printed version of your e-book? Use Amazon’s Createspace platform. Your books can be  printed, on-demand, whenever you get an order.   Do you want an audio-book version? Head over to ACX. This is a great source for passive income

Sell used textbooks on Amazon.

Do you have some used important textbooks lying around? Consider selling them on Amazon. It’s a great way to earn some income from something you might not be using altogether now, which are lying idle. 

35.  Recycle Mobile Phone or other Device.

Sell Old Mobile Phone, Tablet, iPhone and other Smart Phone devices. There are Companies offer the best Resale Value.  Pass them on. The main channels for disposing of mobiles are the shops that sell them, but there are other organisations and charities that accept them for refurbishment and recycling. Up to 80 per cent of a phone is recyclable, so don’t send it to landfill or leave it in the drawer – recycle it!

Prices may range between  $90 to $370 depending on the condition of the device.

36. Rent, Buy & Sell Domains

Like Offices, shops and houses can be given on lease or rental basis, Domains also can be given on Rent.  You can rent your website if you already have a website with very good traffic.  In this case you don’t have to invest on getting a new domain, hosting, design your website and create the website right from the scratch.  If your business requires a website for a shorter period of time, the same can be hired for few months by paying rent.  The website can be returned after completing the requirement.

The other option is selling your domain if you have a good SEO score and Domain Authority. In the same way, you can buy expired domains and sell it out at a higher price to people who need them.   This is a tricky business like stock market trading. 

Flippa.com will be helpful for this.  When you start working on your online business then you will also learn how to make money from Renting, Buying and Selling of domains.

37. Renter 

Your House on Rent – Air BNB.  Find vacation rentals, cabins, beach houses, unique homes and experiences around the world – all made possible by hosts on AirBnB. An American company that operates an online marketplace for lodging, primarily homestays for vacation rentals, and tourism activities. The platform is accessible via website and mobile application.

You can use the services or offer of these companies like InvitedHomeLuxuryRetreats or Vacasa, you can easily make money if you are in location where people visit for a vacation.   Do you have an extra bedroom in your house? How about a car you don’t drive everyday? Are there household items not being used for a long time? If so, try renting them out to people who could use them.  

You can give your car on Rental through a well established Renting Company

38. Reseller

Reselling means finding low-cost and useful items that you can sell for more with your own margin.  This can be a very feasible online work if you have special skills or knowledge that lets you find products that are less accessible to other people in and around.   Thus they would be happy to pay more to have these products brought to them by you.  You can even start by selling the items you have at home and no longer need them. For reselling,  you can either create your own online store or sell items on sites like eBay or Craigslist.

You can also turn to Facebook’s new marketplace which is free.  It’s the middle icon at the bottom of your Facebook app that looks like a storefront. 

39.  Search Engine Evaluator

Whether it is a Blog or a Website, their Usefulness, Relevance, Quality and Accessibility of the information,  are measured based on some algorithms by Google or Bing.  Users’ feedback  with necessary steps to improve them form very important source for this evaluation.

In this category of the work at home directory, you will find search engine evaluator  jobs.  Earn money by evaluating the results from web searches.  Working as a web search evaluator is one of the best paying part-time or full time jobs you can do from home, ideal for those wanting to earn.

The role of a web search evaluator is to ensure that search engines are always updated. For instance, if someone decides to search for a particular keyword or phrase, your job is to make sure the web page results remain accurate.

How much can you earn?          : $12-15 per hour.

Where to find work?                            :  https://toughnickel.com

40. Social Media Manager

We naturally do spend a lot of time on social media every day, that is; Facebook, Instagram, Snapchat, Twitter, LinkedIn, Pinterest, Quora, etc.  If you are used to getting a lot of likes or comments, or if you are good in motivating others through your posts, you might want to consider converting this into a profession as Social Media Manager.

There are many organizations who need someone to manage their social media accounts, and some may even want you to completely develop a social media strategy for them.

A basic social media management monthly package could include:

  • Setting up a social media profile (if necessary)
  • Monitoring the social media platforms mentioned above, by answering comments and messages
  • Creating content and posting several times per week
  • Adding relevant hashtags, images and links

How much can you earn?: $62,000 per year for employees, according to Indeed. If you’re a freelancer, it depends on your marketing and negotiation skills.

Where to find the work?: The best opportunities in this field come from networking and from companies directly.

41. Stock Market Trading

You can earn money online by doing stock trading  if you know how to pick the right stock and you should know also when to sell it.  You need a little money as investment to start your career as a stock trader.  You need to invest more time in learning the basics of stock trading.  Also, you need to have a close monitoring on the stock market and a thorough analysis market trend on daily basis.

You may lose money in stock trading, therefore it is better to start with less money initially and increase it once you become confident, comfortable and profitable.   You can read the article on   intraday stock trading in India.   This may help you learn the basics of stock trading.

  • FREE Demat & Trading account
  • Zero brokerage on delivery
  • Flat Rs.20/trade on trading

Every bank is offering for sign up with stock trading account now-a-days.

42. Teacher or Tutor or Instructor Online

You can be specialized in any of these, namely, Education, Special Training, Health, Drawing, Painting, Yoga, Music, Skating, Swimming, Boxing, Karate, etc.   Languages and other Special Certification Courses can be offered online.  Also, if you are knowledgeable in design, photography, health and fitness, business, personal development, music, fashion, technology, writing, public speaking, etc., you can teach any of these skills or categories online.  This can be done with the help of Internet, by using online teaching sources like Skype, Zoom, Team, etc.

For example, my wife and I have given special tuition classes for students on regular education.  I have taught and am teaching Soft Skills, Digital Marketing, Website Development, English and Spanish Languages.

You can earn between : $13-20/hour or on the basis of curriculum per student.

Where to find work: Tutor.com,  Wyzant, and Udemy.

You can also make videos, e-books, kindle books, etc. and upload them on these platforms of Skillshare and Udemy.  Also, you can create a trustworthy  video profile on Social Media like Facebook, Twitter, LinkedIn, YouTube, etc and offer as free intro video about your courses.

43. Transcriber or Transcriptionist

Transcribers listen to live proceedings of audio and video recordings to create written or typed versions of them. They work freelance or full-time basis in many industries, but those employed in the legal or medical field will require specialized knowledge. Now-a-days, Transcribers use various software.

Typical activities of a Freelance Transcriptionist are receiving dictation from professionals, such as lectures narration/dictations or doctors’ medical prescriptions making necessary corrections, delivering accurate documents timely, retrieving the dictation, managing self-promotion, and securing new projects.

This job also requires you to type fast with accuracy, which needs to have a great attention to details. The faster you type, the more you earn on hourly basis.

You can earn between : $15 & 30 per hour.

Where to find work?    : TranscribeMe and Rev.

44. Translator or Proofreader

Each region across the globe has their own native languages, and that must be understood to have clear communication with your audience across.  If you are fluent in another language, you can do the translation of important documents and you can become an interpreter also.  This means that your translations will contain vital details to make your communication sound natural for your audience while also delivering professional translations between languages.

How much can you earn?          : $27 or more in a day.

Where to find the work?                      : Talent Desire

45. Travel Agent

If you love travel and if you have the art of planning for well organised trips, working with people, you can become a Travel Agent to work from home depending upon your interest.  It will be really a thrilling and beneficial opportunity.  Travel agents get the benefit of working from home and setting their own work schedules.  They can enjoy the incredible perks of travel and flight benefits that come along with the industry.

There are certain travel conditions and beneficial schemes that people may not be aware of.  You, as a Travel Agent can explain and convey to those who plan to travel and you can take advantage of the benefits.  There’s still a market open for travel agents to scour the web for the best deals, share advice or plan itineraries.

46. Virtual Assistant

The functions of a virtual assistant include simple tasks like data entry, replying to emails,  schedule meetings and manage them,  webinars and conferences, transcribing conversations, web research and analysis, lead generation, photoshop edits, travel planning, LinkedIn search, accounting, etc.

If you are very good in any of these functions, you can become a successful Virtual Assistant providing any of these or all of these services and can earn between $10 and $15 per hour.

47. Virtual Recruiter

Recruiters used to only work offline, but things have changed.  Now you can do this job from home online.  The other major difference is that you search the web to find the right candidate for the right position. You’re also responsible for screening the applicant and being a part of the interviewing and negotiation process.

Recruiters post jobs online and look for potential employees on LinkedIn and other platforms. They read LinkedIn profiles and resumes which are sent to them, and decide who could be a good and appropriate candidate.

They often conduct the initial telephonic interview, then pass the shortlisted candidates list to the relevant manager at the company to continue the screening and selection process.

How much can you earn?          : $20-30/hour.

Where to find work                    : SimplyHired and CareerBuilder

48. Voice Acting

Do you have a golden voice? You can become a Voice Acting person and start earning online working from home.  Many companies are searching for male or female voices to narrate their marketing or explanation videos.

Furthermore,  audio books, podcast introductions, TV/Radio commercials, tutorials and even voicemail are required for the right professionals.  If you have excellent vocal skills in your native or any other language, there’s a big opportunity for you to earn money.   The best part – this job is easy to do as all you need is a computer, a good microphone and a room with decent sound properties.

With your golden voice, you can make somewhere between $56 and $72 per hour.

49. Web Designer & Web Developer

As you are aware, graphic design works are more demanded in the Digital World?

If you have some design skills and experience, these are some types of online work you can do:

  • Website & landing page design
  • Logo design
  • Mobile app design
  • Business cards & corporate souvenirs
  • Advertisements, banners and marketing materials
  • Leaflets, brochures, e-books and kindle
  • Packaging design
  • Presentation design
  • Diverse illustrations

99Designs is a great resource for designers from creating Logos and other designs mentioned above.  Designers compete with each other to win their business. Do you want to refine your designs, compete with others  and to be chosen to be paid?

Besides freelancer platforms, there are other reliable ways to make some extra money with your design skill.  Try adding your designs on illustration databases.  You designers can set your own artwork with the right price in platforms like 99Designs and Creative Market .

Freelance Web Designers need to market their services if they want to make a sustainable living.  Websites do the marketing work for you which often come with a  very competitive price as companies desire.

While companies care about their brand and image, and they often care more about the results. Therefore, better and expert freelance web designers are often the ones who understand what works as user friendly, user experience and Conversion Rate Optimization (CRO). They learn how to create websites that drives traffic to download something or to buy a product.

  • Where to find work: The best opportunities in this field come from networking and pitching the companies directly. To get started, try Google marketing agencies and see if they need help handling their existing clients.
  • How much to earn?  : $61,000/year for employees, according to Indeed. If you’re a freelancer, it all depends on your marketing and negotiation skills.
  • Depending on the specific job, as well as your expertise, you could earn between $55,000 and $175,000 per year for building websites from the scratch.

50.  Website Tester

What are the primary requirements of the website tester?   The website tester should have familiarity with content inventory, experience testing, and knowledge of Java.  A good software tester has a broad range of knowledge, experience, and skills, and is very skilled and knowledgeable.

Companies or businesses want to make sure that their websites are attractive and easy to navigate. As such, they will assign instructions to login and check out their sites. In most cases, you’ll need to speak your thoughts out loud and record your screen actions as you browse the website.  Many websites lose money due to a poor user interface, less navigation, unclear copy or bad design. Therefore, companies search for people to test and review their site before launching it.

The main job of a website tester is to act as a normal user, consider the design and usability of the site on his computer platform, test and evaluate the performance of a site on the internet and to provide feedback on the site’s performance.    The tester will basically do the testing of Functionality, Usability, Interface, Compatibility, Performance and Security.  

Each test usually takes around 15 to 20 minutes. In return, you’ll often be paid $10 to $15 per test.

51.   Writing Gigs

There are authors or Writers of Academic, Article, Biography, Blog, Content, eBook, Fashion, Legal, SEO, Scientific, Technical, White Paper, etc.  Companies want to build good relationship and long term trust with their target audiences, and thereby promote their products and services.  This is done by providing top quality content about products and services offered, which finally promotes sales. 

There is a very high need for writers now.  Freelance writers take advantage of this need as they stay up to date on marketing trends and research and know which content types work best and when. They are not only skilled at conveying complicated ideas, but also they know how to do it in a way that best convinces the audience.  Such convincing ideas and contents encourage them and make their demand strong so that they finally purchase the products.

There are fresh graduates who struggle to get their first job.  You can help them writing their resumes which are very impressive and projecting their skills, talents and achievements.  This will definitely help them get shortlisted.  Similarly, you can offer  your writing services even in social media like profile on LinkedIn, YouTube, Facebook, Pinterest, Twitter, etc.  If you like writing and have the skills, then start doing it.  You can earn a lot.

Average Salary they can earn : Anything between $15 to $130 per hour  or $61,000 per year who work as full time employees, according to Indeed.

Where to find work: ResumeEdge.

Where to find work: The best opportunities in this field come when you network and proactively pitch to companies, but the Freelance Writers’ Den, with a membership option.  This article can help you earn money through your writing skills.

Conclusion

Firstly, I must thank DigitalDeepak and PIXEL TRACK because I learnt Digital Marketing and Content Marketing from them.

I must thank Google and Wikipedia as they are my major source of information for my articles.

The online work from home of your dream is waiting.  The work starts with more determination.  Once you promise yourself to work for your own benefit and growth, you should organize your life in a way that fosters productivity and efficiency.   There are also numerous apps and resources for freelancers that will help you to achieve more by working less.

The Best Online Work from Home Jobs, Home Business, Home Freelance, Home Consultancy and Home eCommerce, etc are the most suitable source for earning.

The Best Work from Home sites are :  Indeed, flexjobs, upwork, fiverr, PowerToFly, etc. 

The list of work from home companies is : appen, kelly services, amazon, United Health Group, Liveops, Salesforce, etc. 

The Online Jobs Platforms are :  Glassdoor, 99designs, Jobspresso Inc., ZipRecruiter, Flexjobs corporation, etc.

Time for your Action

I can keep sharing information but nothing gonna help you until you take the action. People are afraid of failure and they don’t start anything. Take the first step and you will see the light ahead.


 

Categories
Development Work

Personality Development Skills & Importance

CONTENTS :

Introduction

Great Personality:

          Who is a Great Personality according to you?

          What do we learn from the Great Personalities?

          Great Personalities of  India and the World

Role Model:

          Who is your Role Model and  Why?

          What are the Qualities of Role Model in general?

Personality Development : Meaning

Personality Development Skills 

Importance of  Personality Development Skills

Personal Development, Job Opportunities & Job Interview

How to improve your personal development skills

Personality Development Courses

Books on Skills of Personality Development

Personality Development Tests

Personality Types

Dedicate your Time to Practise Personal Skills with these activities

Most Desired Qualities to live as a true human being

Every human being wants Happiness, Success and Peaceful Life.

Conclusion

Introduction

We generally ask our children, “what do you want to be after your studies?”  The answer normally comes from the children, I want to be a Doctor or Scientist or Astronaut or  Actor/Actress or  Miss Universe, etc. Some children who know little about some personalities, they would say, “I want to be like Mahatma Gandhi or Abraham Lincoln or Dr. APJ Abdul Kalam or Albert Einstein”, etc.

Dr David Schwartz, PhD asked his six-year-old son, David when he finished his kindergarten.  He asked him what he plans to be when he grows up.  He answered his father, “Dad, I want to be a professor”.  “A professor?  A professor of what?”, he asked.  David replied, “I want to be professor of happiness.”  Dr  David Schwartz, PhD wrote a book “The Magic of Thinking BIG” which became very famous.

This communication leads to reflection of Personality and brings out the readiness of the persons to reach a great personality with required Personality Development.

I am reading this book.  This is very attractive and interesting book with  practical experience and with thesis topics.

You Can Win“: A Step By Step Tool For Top Achievers is a best-selling self-help book by an author, educator, business consultant and a successful entrepreneur, he is a much sought-after speaker Mr. Shiv Khera. He inspires and encourages people, making them realise their true potential.Success is a hard commodity to obtain. … Transforming negative thoughts into positive ones is the key, he reveals, and this book follows his motto of translating thoughts into winning actions.

I read this book on a daily basis, highlighted/underlined all the important words of this book and I tried hard to implement all the positive thoughts in my daily professional life.  This definitely gave me an exponential growth and success in my career.  I got promoted to Assistant Director from the position of Regional Head of an organization.  I also used to counsel and guide all my subordinates with these ideas which they also found very useful.

Empower yourself and grow exponentially. A practical, common sense guide that will help you:· Build confidence by mastering the seven steps to positive thinking· Be successful by turning weaknesses into Positive Attitude

Change of ATTITUDE

Who is a Great Personality according to you?

When we ask the young kids,  “what do you want to become when you grow up”, you would have come across answers like

“I want to become a Doctor or a Nurse or a Teacher or an Engineer” or

 “I want to become a scientist like Albert Einstein” or

 “I want to become a cricketer like Sachin Tendulkar.”

Their answers depends upon their interest at that point of time.  It is very exciting how great personalities influence not only the children but also the students and adults.

What do we learn from the Great Personalities?

Reading stories of successful people can leave an indelible impression on the people and their lives. From their struggles to their passion and achieving great reputation, there is an endless number of things that you can actually learn from such personalities. Keeping these things in mind, we have formulated a list of great personalities who not only excelled in their careers but also gave the power to dream to millions of others.

Great Personalities of  India and the World

Mahatma Gandhi              Sardar Vallabhbhai Patel   

(1869-1948)                      (1875-1950)

Jawaharlal Nehru              Dr B R Ambedkar

(1889-1964)                      (1891-1956)

J. R. D. Tata                     Mother Teresa

(1904-1993)                      (1910–1997)

Indira Gandhi                    Dr. A. P. J. Abdul Kalam

(1917–1984)                     (1931–2015)

Rabindranath Tagore         Swami Vivekananda

(1861-1941)                      (1863-1902)

Subhas Chandra Bose       Sri Aurobindo Ghose

(1897-1945)                      (1872-1950)

Sir C V Raman                  Chhatrapati Shivaji

(1888-1970)                      (1630-1680)

Dr Sarvepalli Radhakrishnan

(1888-1975)

 Sachin Tendulkar

Abraham Lincoln               Charles Darwin

(1809-1865)                      (1809-1882)

Thomas Alva Edison          Walt Disney

(1847-1931)                      (1901-1966)

John F. Kennedy               Martin Luther King

(1917-1963)                      (1929-1968)

Albert Einstein                   Leo Tolstoy

(1879-1955)                      (1828-1910)

Michael Jackson                Muhammad Ali

(1958-2009)                      (1942-2016)

Nelson Mandela                Steve Jobs

(1918-2013)                      (1955-2011)

Bill Gates                          Barack Obama                           

Pope Francis                     Dalai Lama

Who is my Role Model and  Why?

This is based on the actual experience.  I visited almost all the Engineering Colleges of Gujarat State, India, at least 50% of the colleges in Maharashtra State and many colleges in Madhya Pradesh, India for Career Development Programs.  One of the most famous questions prevailing in the colleges is, “Who is your Role Model and Why?”.  This question is being asked during the interview for fresh graduates.  The common answer that would come from most of the students would be, “My father or my mother”.  In some of the cases the answer would be other relatives.  Also some of the students would mention about a great personality.

A role model is a person whose behavior, example, practical experience or success is or can be emulated by others, especially by younger people, who are willing or dreaming to grow to extent or more to such persons.

Personality & Career Development Program at SAL College of Engg., Gujarat, India

What are the Qualities of Role Model in general?

Set a Good Example                   Higher Values

Aspirational                                 Listening

Hard Working                             Smart Working

Passionate                                  Committed

Strong                                         Intelligent

Sincere                                       Generous

Wealthy                                      Diligent

Humble                                      Inspirational

Understanding                            Honest

Successful                                  Confident Creative                                      Powerful

Inspirational :  the process of being mentally stimulated to do or feel something, especially to do something creative.  Something or someone that is inspiring is exciting and makes you feel strongly interested, very practical and enthusiastic. Synonyms: uplifting, encouraging, exciting, moving.

Aspirational :  the process of having or characterized to achieve social prestige and material success to attain a higher social position or standard of living.  This also relates to or characterized by aspiration or a strong desire for something or to do something.

Personality Development  Meaning

It is important that we understand what are hard skills and what are soft skills with examples.

Hard Skill : Hard skills are learned abilities acquired and enhanced through education with much practice and repetition.  Hard skills refer to subject matter expertise, an academic qualification, industry specific certification, marketing, book-keeping, coding and computer skills.  Hard skills are very much essential because they increase employability, productivity, efficiency and subsequently improve employee satisfaction. 

Soft Skill : Soft skills, also known as common skills or core skills, are skills which are desirable in all professions. These skills include inborn, observed and developed qualities.  These include critical thinking, problem solving, communication, professional writing, teamwork, digital literacy, collaboration, curiosity, creativity, professional attitude, work ethic, career management.

Personal development : Personal development refers to activities which help you or mould you to improve talents, learning potential, employability, and even wealth with success and growth. Any time you are consciously making an effort to improve yourself, you are participating in personal development process.

Personal development or self-development refers to possessing personal strengths and characteristics that aid teachers define and make sense of their teaching practice and of themselves as individuals. This is through developing the necessary life skills that can help them grow in and outside their profession.

  • Personality Development means enhancing our personality in such a way so that it becomes attractive, inspiring and setting an example to others in every manner. 
  • It includes basic things like communication, etiquette, body language, and many other things. We learn these skills right from our childhood, from our parents, relatives, friends, through our studies and through special courses, from our teachers, from our work places from our colleagues, bosses and from other professionals.
  • These situations and special courses enhance our management skills, improve our decision making and help us in becoming good leaders with effective plans and goals. 
  • We learn soft skills as well as interpersonal skills in personality development courses which are essential in every stage of our life.
  • The definition of a personality trait is a quality or characteristic that distinguishes the character, action and attitude of a person … An example of a personality trait is being outgoing or extroverted. Openness and conscientiousness are examples of personality traits.

Personality Development Skills 

Emphasis is laid on the below topics/ areas in personality development courses.  These are the skills that everyone should have to have a great personality that is attractive to all.  

Effective Communication             Time Management

Lifelong Learning                         Responsibility

Team Work                                 Research & Analytical Skills

Organizing Skills                          Relationship Management

Adaptability                                 Flexibility

Patience                                     Leadership

Trustworthy                                 Problem Solving Skills

Creativity                                    Interpersonal Skills

Attitude – Positive                        Self-Confidence

Self-Motivation                            Ability to Work under pressure

Plan & Target                              Negotiation                                

Result Orientated                        Confidence

Leadership                                  Interview / Career Oriented

Listening Skills                            Understanding Skills

Importance of  Personality Development Skills

Have you ever wondered why some people have continued with success, while others have experienced endless failures?

Why do some people never reach their goals?

Why are they  always frustrated with reversals and crisis?

Successful people have achieved Success with Discipline as their normal life style; whether in the field of sports, athletics, academics or business or profession.

Some people ‘without discipline’ try to do ‘everything’, but commit themselves to ‘nothing’.

Some people interpret “lack of discipline” as “freedom”.

When you are sitting in aircraft you would want a pilot who is well disciplined and who does exactly what he is supposed to do and not what he feels like doing.  The pilot cannot say, “I am free to do whatever I want.  I don’t want anyone from the control  tower telling me what to do.”

Lack of consistency is poor discipline.  Discipline takes self-control, sacrifice, and avoiding distractions and temptations.  It means staying focused on goals, results and finally achieving success.

Personality development enables us to discover our qualities.  It empowers us to make the right decisions and to choose wisely.  It builds our Confidence which is the winning quality in us.  Confident people become successful in the long run

It assists us in communicating effectively, convincingly, and precisely.  Once we know how to develop personality, we will be seen as a leader by our peers and colleagues.  It attracts more people and you become the Role Model for others who would follow your views, ideas and principles. It finally makes us a Great Personality.

Personal Development, Job Opportunities & Job Interview

The definition of grit  describes the qualities every successful person possesses, because mental toughness actually builds the foundations for long-term success. There are many jobs in both the private and government sector where having a good personality with positive attitude.  Convey your personal development skills on your resume and when interviewing for a job to show employers you can succeed in that position.

1. Highlight personal development skills in your resume

Create a section in your resume titled “Skills” that includes both hard skills and soft skills. List only the personal development skills that apply to that job. If you have many skill types, you might group them by category within your resume’s skills section.

2. Highlight personal development skills in your cover letter

Choose a couple of personal development skills that you feel are strong and most relevant to the job. Within the body of your cover letter, describe briefly how you would apply each one to that job’s responsibilities, or give an example of how that skill has benefited you in the past.

3. Highlight personal development skills during your job interview

List your strongest personal development skills when answering interview questions, such as “What are your strengths and weaknesses?” or “What are your goals?” Describe your top skills, your plan for further development and where you have room for improvement. You can also use examples to show off your personal development skills.

These are just a few of the personal development skills that can benefit your life and your work. Self-development is a lifelong process upon which you can continue to improve. Focus on developing the skills that will best help you reach your goals.

How to improve your personal development skills

It is important to know that

Successful people are great at delaying gratification.

Successful people are great at withstanding temptation.

Successful people are great at overcoming fear in order to do what they need to do.

Successful people don’t just prioritize.

Successful people consistently keep doing what they have decided is most important.

All these qualities require mental strength and toughness–so it’s no coincidence these are some of the qualities of remarkably successful people.

Here are ways you can become mentally stronger–and as a result more successful.

You can enhance your personal development skills by attending classes, learning from the people around you, gaining new talents and improving upon existing ones. Follow these guidelines to develop yourself personally:

  1. Overcome your fears: Fear can prevent you from growing ahead and progressing. If you are afraid of public speaking, for instance, take a class or join a group that helps people become better public speakers. If you are afraid of taking risks, find a mentor who can help you make good decisions and build your confidence. Grow and learn by taking a small risk of doing things which you are not much comfortable doing.  If you are shy, try starting a conversation or introducing yourself  to new people at a reception or workshop.
  1. Develop the habit of Reading: Reading can expand your knowledge and vocabulary and keep you informed. It can also stimulate your mind and can improve your critical thinking skills. Try setting a goal to read at least one educational or motivational article a day, or one book a month.
  2. Learn something new:  Learn a new skill or topic, whether you do it yourself  or learn through a training. You might  take time to attend courses to learn a new language, a new software program or how to write creatively. Consider attending or watching a webinar on professional development topics such as entrepreneurship or social media or digital marketing.
  3. Ask for feedback:  Approach a family member, friend, colleague or manager, and ask them to give you feedback on your recent project or activities or achievements. Use their positive comments, suggestions as well as their constructive criticism to find ways to improve. Sometimes you need an outside, unbiased opinion to get a different perspective.
  4. Observe others:  Watch and learn from the people who inspire you. This could be someone you know, such as a supervisor, a family member or public figure. Identify the qualities you admire in them, and try to replicate them in your life.
  5. Have a strong Network:  By interacting with many types of people, you can learn new ideas and understand how to communicate and work with different personalities. You can also meet people and develop relationships that might help you in future. Build a Network through industry organizations and shared interest groups, or attend conferences and events on topics that interest you.
  6. Maintain Daily Activities Record:  Writing down the activities every day or week can help you gain self-awareness and reflect on those events, decisions and conversations. You might keep a hand-written, private journal, or you might choose to share your thoughts and experiences by blog articles. Use this to set-up and assess goals and progress.
  7. Do Meditate:  Many people meditate to gain clarity and awareness and to reduce stress and anxiety. Meditation can help you focus on your self-development and goals in a healthy, positive and calm way. Even scheduling a break from work or spending quiet time to yourself can help you relax, review and focus meaningful and helpful activities.
  8. Have a mentor:  If you need help identifying ways to build your self-development skills, talk to a mentor who is successful, experienced, matured and who is ready to help you. This individual could be a manager, professor, someone you admire or a professional personal guide and mentor.

10. Online Jobs for Students Work from Home as  Career  or  Business

Fresh graduates, after finishing their graduation, search for Online jobs can work from home with no experience.  They apply for job in many places and go through the interview process.  Because of competition, their capability and skills work better here.  Students who continue their studies can also find this Online Job wonderful opportunity to start and get needed experience online.  Online Jobs For Students To Get Your Professional Life Started and will set you on a successful career path

Many of the online jobs are not always easy to get, but once you find your way, you’ll be able to build long-term skills, which can be turned into a career or a business.  These are the ways to make money Online by working from Home.  Most of the online jobs are very simple and anyone with basic knowledge of Internet and English language can do this. You can even make thousands of dollars monthly with some of these options.

Personality Development Courses

There are Personality Development Courses meant for Parents, children, teachers, students and also in-service training for professionals.

Personality development courses are certainly useful in building a strong personality that focuses on solutions to the problems. It directs us to take the path of positive attitude and also helps in developing the communication skills which form an integral and vital part of  our personality.

Personality Development Courses for Teachers

A teacher with a strong personality will always beat the one having a weak character. For every teacher, personality development generates a sense of happiness in their mind. This makes a teacher look good, feel confident in teaching  students and will transfer this knowledge and experience to the students with gratitude and patience.

Personality Development In-service Training for Professionals

The employers are very concerned about their employees and consider them as assets.  In-service Training Programs are planned, well designed and are conducted.  These programs mainly focus on Time Management, Team Work, Setting up Target with ways and means to achieve them and also have a better and improved communication skills.  I too have attended, which were conducted by CMC Limited, (A TATA Enterprise) and I got benefitted from such trainings.

Books on Skills of Personality Development

These books are recommended by mentors of personality development courses in different universities.

Name of the BookAuthor
As a Man ThinkethJames Allen
The Power of Positive ThinkingNorman Vincent Peale
The Power of Subconscious MindDr. Joseph Murphy
How to Win Friends and Influence PeopleDale Carnegie
The 7 Habits of Highly Effective PeopleStephen R. Covey
You Can WinShiv Khera
The Magic of Thinking BigDavid Schwartz, Ph.D.
Mindset: The New Psychology of SuccessCarol S. Dweck
Jonathan Livingston SeagullRichard Bach
Think and Grow RichNapoleon Hill
The Meditations of Marcus AureliusMarcus Aurelius
Steve JobsWalter Isaacson
Long Walk to FreedomNelson Madela
Stop Acting RichThomas Stanley

Personality Development Tests

There are Personality Development Tests categorizing four different types.  Through this test we can come to know we fall in which of these four types.  This test is based on the personality theory created by Isabel Myers and Katharine Briggs. It measures your preferences on Myers and Briggs’ four dimensions of personality type, as well as 23 more detailed facets of type to personalize your results.  There are totally 16 personalities and they are termed as INFP, INFJ, INTP, INTJ, ENFP, ENFJ, ENTP, ENTJ, ISFP, ISFJ, ISTP ISTJ, ESFP, ESFJ, ESTP, ESTJ.

The four different personality types are :

  • Type A personality. The Type A personality is the “go getter” type. …
  • Type B personality. The Type B personality is the laid back one. …
  • Type C personality. The Type C personality is the detailed one. …
  • Type D personality. The Type D personality is the existentialist one.

It is important to know that no personality test is accurate for everyone, but this test has been researched extensively to ensure it is valid and reliable, using a variety of statistical methods.   This test is also specifically designed to help you find the right career for your type as well as your individual interests and strengths.  Finally there is also MBTI assessment developed by Isabel Myers and Katharine Briggs..

Personality Types

Dedicate your Time to Practice Personal Skills with these activities

Take time to pray…
it helps to bring God near and washes the dust of earth from your eyes.

Take time for friends…
they are the source of happiness.

Take time for work…
it is the price of success.

Take time to think…
it is the source of power.

Take time to read…
it is the foundation of knowledge and skills.

Take time to laugh and sing …
it is the singing that helps with life’s loads.

Take time to love…
it is the one sacrament of life.

Take time to dream…
it hitches the soul to the stars.

Take time to play…
it is the secret of youth.

Most Desired Qualities to live as a true human being

1Persons to be Most Respected in life & beyondMother & Father
2Very Very Auspicious Day to start somethingToday
3The most precious Gift  for someoneForgiveness
4The noblest qualityHumility
5Never desired qualityHatred
6Basic Necessity in a personConfidence
7Most Dreaded DiseaseGreedy
8Very Easy thing to do but should be avoidedFind Fault
9The Lowest of one’s  own standardEnvy
10Should Never Believe inRumours
11The most Dangerous Act, i.e.Needless Talking
12Should never be done in life timeDeceitful
13Should always be extendedHelp
14Should be avoided  everLaziness
15The first stepping stone to growthHard Work
16Something which should never be missedOpportunity
17Should never be separated fromFriendship
18Should never be forgotten in lifeGratitude

Every human being wants Happiness, Success and Peaceful Life.

Approximately 50%  of your happiness, that is your “happiness set-point,” is determined by personality traits. Balance 50% of your happiness prevails outside your control.

It means 50 percent of your happiness is totally within your control: relationships, health, career, etc.  Therefore, you can  still do things to make yourself  remain happier in life.

Like this:

1. Make good friends.

2.  Express thankfulness.

3. Actively pursue your goals.

4. Do what you excel at as often as you can.

5. Give and Take.

6. Don’t single-mindedly chase “stuff.”

7. Live the life you want to live.

Conclusion :

The four main aspects of personal development are PEMS (Physical, Emotional, Mental, Spiritual) :

Physical       :  Physical development is a vital part of growing up as children learn to master control of their body. The mind and the body work together, so we’ve got to give some attention to both, mind and body.

Emotional    :  It is the ability to form secured relationships.  Emotional development is regulating and expressing emotions of human being. It involves the way one feels about themselves, others and about the world. Recent research shows that there is a direct connection between healthy social – emotional development and academic success.

  • Showing affection for others.
  • Expressing awareness of their own feelings and those of others.
  • Displaying self-control and management of emotions.
  • Paying attention to and being observant of others.
  • Forming healthy friendships and relationships.
  • Expressing feelings through words.

Mental          :  Mental development includes such abilities as attending, perceiving, observing, remembering, imagining, thinking, solving problems and growth of intelligence as well as of language. These abilities change, grow and mature with age and decline in old age.

Good mental health allows children to think clearly, develop socially and learn new skills. Additionally, good friends and encouraging words from adults are all important for helping children develop self confidence, high self-esteem, and a healthy emotional outlook on life.

Spiritual       :   Spiritual development  is to believe in something beyond the material universe and to develop an awareness of realities beyond the confines of time and space. … Spiritual development is increasingly aligning God’s purposes for the world with our story.

How can you Improve Your Spiritual Health?

  • Explore your spiritual core. By doing this, you are simply asking yourself questions about the person you are and your meaning about yourself
  • Look for deeper meanings. …
  • Try yoga & Travel. …
  • Think positively. …
  • Take time to reflect and meditate.
  • At the end you may even keep Praising and Thanking God your Creator for whatever he has done for you.

Personal spirituality is really about the way in which you relate to your moment-to-moment experience. It grows from the quality of attention you give to everything that life presents you with. …

You can follow any of the steps mentioned, that is the characteristics, principles and qualities of Great Personalities, your Role Models, undergo related courses and training, carry out any of the tests and follow strictly on the steps of developing and improving the required skills with attitudinal changes, if required so as to achieve success and satisfaction in your life.

                        

Categories
Work

THANKS giving Holiday : Western Countries & India!

History of Thanksgiving Holiday in Western Countries

Thanks giving is a national holiday celebrated on various dates in the United States, Canada, Grenada, Saint Lucia, and Liberia. It began as a day of giving thanks and offering sacrifice for the blessing of the harvest for the current year and of the preceding year.

Thanks giving is an unusual holiday because it doesn’t always fall on the same day or the date of the year like Christmas, New Year and Halloween.

In the US

In the US, Thanksgiving is traditionally celebrated on the fourth Thursday in every November.  This holiday was traditionally held on the last Thursday of  November, whether it is 4th Thursday or 5th Thursday of the month. 

Before it became an official holiday in US, President George Washington issued a proclamation in 1789 that Thursday, November , would be a day of “public thanksgiving and prayer.”

In 1863, President Abraham Lincoln said that Americans should recognize the last Thursday of every November as a day of Thanksgiving.

Thanksgiving became an official national holiday in United States of America in 1870, along with Christmas, New Year’s Day and Independence Day. At that time, however, it was decided that the President would decide the date of Thanksgiving Holiday.

In Canada

Thanksgiving or Thanksgiving Day, is an annual Canadian holiday, held on the second Monday in October since 1957, which celebrates the harvest and other blessings of the past year. Outside of Canada it is sometimes called Canadian Thanksgiving in order to distinguish it from Thanksgiving in the United States.

What Do People Do?  Many people have a day off work on the second Monday of October. They often use the three-day (Saturday, Sunday & Monday) Thanksgiving weekend to visit family or friends who live far away, or to receive them in their own homes. Many people also prepare a special meal to eat at some point during the long weekend.  Spending time with family, feasting, religious practice

The Thanksgiving weekend is also a popular time to take a short autumn vacation. This may be the last chance in a while for some people to use cottages or holiday homes before winter sets in. Other popular activities include outdoor breaks to admire the spectacular colors of the Canadian autumn, hiking, and fishing. Fans of the teams in the Canadian Football League may spend part of the weekend watching the Thanksgiving Day Classic matches.

Turkeys, pumpkins, ears of corn and large displays of food are also used to symbolize Thanksgiving Day.

They all go to church and offer thanksgiving prayer.  After this they go out and enjoy for four days (i.e. Thursday, Friday, Saturday and Sunday).  They all take leave on Friday so as to have four days to enjoy.

In Costa Rica

In anticipation of Halloween Day, people all over the world dream of scary or comical elaborated costumes. Halloween is a festival celebrated in the U.S predominately. The Costa Rican Masquerade Day, known in the native Costa Rican, La Mascarada, is an adaption of Halloween Day in the U.S, usually celebrated on the 31st of October. It is a recent tradition in Costa Rica which has gained popularity in the country in the last few years.

Origin of Masquerade Day

They generally use mask and black colour costumes.  Costa Rican masks are not ordinary masks: they are usually oversized paper mache heads that depict prominent and popular characters from politics, mythology (in this case, devils and animals are popular), and characters from sports and films are also taken into consideration.

Producing a mask is time-consuming and a tedious affair. The craftsman starts with a hand-made mould made from clay. This mould is left to dry for about a week; after that, the mold is carefully and meticulously covered with strips of paper attached with glue produced from flour and water.

How is it celebrated?

People, mostly children on giant costumed puppets march the streets covering houses, malls and shops, and they are always accompanied by small music bands known as cimarron. 

Frankly speaking, I was based in India for 61 years of my life.  This was the first time I heard about Halloween and I personally saw the children going around with small boxes or buckets singing, dancing and celebrating very cheerfully greeting each other.  The elders from different houses and shops offer them chocolates and sweets.  In many houses, the chocolates are kept either at the entrance of the houses or in the cars.  Children pick up decent quantity of chocolates and move ahead.

Special Food on this Thanksgiving Day

The holiday in the US, is associated with a traditional turkey dinner (that has plenty of side dishes like Gujarati/Rajasthani “Thali” or Kerala’s “Sadya” in India), along with a thoughtful reflection on everything that people have to be grateful for.

In Canada, traditionally, they include in their meal; roast turkey and seasonal produce, such as pumpkin, corn ears and pecan nuts. Now, the meal may consist of other foods, particularly if the family is of non-European descent.

Traditional Turkey Dinner with Varieties

What is Special about Pumpkins on this Day?

You will notice that the Greeting Cards and the image of Thanksgiving will mostly have pumpkin.  In the United States, pumpkins go hand in hand with the fall holidays of Halloween and Thanksgiving. … Pumpkin is used to make soups, desserts and breads, and many Americans include pumpkin pie in their Thanksgiving meals.

Greeting Card with Pumpkins

Also, they have the following believes about Pumpkins :

Eating pumpkin may help you look younger and lose weight, experts say

Packed with vitamins, eating pumpkin can have some surprising health benefits

Pumpkins are immunity boosters.

Pumpkins are a high source of vitamin C, besides vitamin A it contains, which is a nutrient that has long been associated with boosting immunity.

Pumpkins can help your eyesight.

Pumpkins are a high source of vitamin A, which plays a significant role in eye health, according to experts.

Pumpkins are helpful for weight loss.

If you’re looking to shed a few pounds with a healthier diet, pumpkins could become your secret weapon to lose weight.

Pumpkins boost fiber and lower cholesterol.

Pumpkins are high in fiber, which has a list of benefits, including satiating hunger and lowering “bad” cholesterol.

Thanksgiving Holidays in India!

Thanksgiving is not recognized as a national holiday in India.  Thanksgiving is celebrated in few parts of India, mainly in the parts of Christian population and in Goa.

India being a predominantly agricultural nation, the population of India relies on a good harvest for their livelihood.  This is the time when the fields begin to bear fruit or giving fruit because of the hard work and strong belief in God.

However, there are  festivals at different times throughout the year convey the theme of Thanksgiving, such as Lohri in the states of Punjab, Haryana and parts of Himachal Pradesh, Pongal and Onam, celebrated in South India, Vaisakhi or Baisakhi celebrated in Punjab, Haryana and other northern states, Makar Sankranthi or Uttarayan (Gujarat) or Maghi or Poush Sankranthi (West Bengal) in other states of India.  There are Holidays on these occasions.

Generally, January is the month of thanksgiving in India. Every year, the month of January brings with it a host of festivals of joy and gratitude celebrated across India.

Lohri

In the month of January, the North India, especially the states of Punjab, Haryana and parts of Himachal Pradesh, are filled with enthusiasm all around as they wait for the winter harvest or rabi crops. The important crop of wheat is sown in October and ready to be harvested in mid-January. As the earth begins its journey, moving closer to the Sun, the people celebrate by welcoming Uttarayan. It signifies the end of the coldest month of Paush, and beginning of Magh. On the day of Lohri, children go door-to-door asking for lohri or loot in the form of money, peanuts, jaggery and sweets. They sing in praise of Dulha Bhatti, the local Robin Hood who helped the poor by taking from the rich and saving innocent women. In the evening, a bonfire is lit with people circling it and offering puffed corn. They chant ‘Aadar aye dilather jaye (let the honour come and poverty disappear). There is dancing and singing with the flavour of traditional folk songs and instruments. The next day is Maghi, the beginning of the month of Magh. People take a dip in the river and give charity as gratitude for all they have been given.

Bhogali Bihu

Bihu denotes three festivals celebrated through the farming calender in Assam. Bhogali Bihu is the last of these and marks the time when the hard work of farmers bears fruit. Also known as Magh Bihu and Maghar Domahi, it’s an important time for farmers as they get to sell their harvest. The first day is Uruka when a grand feast is organized at night. On the morning of Bhogali Bihu, young men build a temporary cottage called Bhelaghar in nearby fields. They also build another structure called Meji with hay. During the night, villagers gather at the Bhelaghar and cook different kinds of delicacies. Men and women sing, dance and play conventional games. The next day is the day of Magh, when young people burn the Meji homes, offer prayers to the fire god to provide bountiful harvests for the next year. People visit other homes and exchange Assamese delicacies. Food is offered to the fire god through the burnt Meji homes with the belief that the fire will take away the cold. Bull fights, cock fights, egg fights and nightingale fights are organized for recreation too.

Makar Sankranthi” (Maharashtra & other parts of India) or “Uttarayan” (Gujarat) or “Maghi” or “Poush Sankranthi” (West Bengal) festival marks the beginning of the harvest season when new crops are worshipped and shared with delight. The harvest festival heralds a change in season, as from this day, the Sun begins its movement from Dakshinayana (South) to Uttarayana (North) hemisphere.

In Gujarat, it is popularly celebrated as the day of kites i.e. the day of Uttarayan and Vasi Uttarayan. Savouries like undhiyo and chikkis made of sesame, jaggery and peanuts are distributed as well. I have been staying in Ahmedabad & Vadodara, Gujarat for 41 years with successful career and I have practically gone through this experience. In Maharashtra, people exchange puran poli and Tilgul amongst loved ones, to keep aside ill feelings and animosity.

Baisakhi” is a spring harvest festival for Sikhs and Hindus. … It marks the Sikh new year and commemorates the formation of Khalsa panth of warriors under Guru Gobind Singh in 1699. Vaisakhi is also an ancient festival of Hindus, marking the Solar New Year and also celebrating the spring harvest.

Pongal” is one such big festival, celebrated every year in mid-January, mostly in the south of India and especially in Tamil Nadu, to mark the harvest of crops and offer a special thanksgiving to God, the sun, the earth, and the cattle.

They decorate their houses and make colorful ‘kolams’ or ‘rangoli’ in the streets.  There is a special day dedicated to the cattle. They are washed, their horns painted and adorned with flowers and beads. They are given respect and are worshipped. They also have bull and bird fighting like Jallikattu in parts of the state on this day.

I am originally from Tamil Nadu, India and I have gone through this practical experience of Pongal celebration.

Onam” is the biggest festival of the year in Kerala. It is generally celebrated in the last week of August.  The purpose of the festival is to commemorate the mythical King Mahabali, celebrate the end of the monsoon season, and welcome the harvest. This is a great festival to experience in India as it is full of happiness, excitement, and enjoyment by people of all ages.  ‘Sadya’ is the traditional and special meal with 21 varieties, they have on this auspicious day.

All these people do go to their places of worship to give thanks to God for good harvest and for every other blessings.  They do exchange greetings and best wishes with their family members, neighbors, relatives and friends.

However, the Religious and Spiritual Persons THANK GOD in their prayer on a Daily basis.  For these persons ‘Thanksgiving‘ is a Daily Practice.  We must give THANKS  at the end of Each Day before going to sleep.  We must give THANKS for whatever good or bad events that have taken place in our life on that particular day. 

I am very thankful to my employers St Xavier’s Social Service Society, CMC Limited, CRB Tech Solutions Pvt Ltd (a Career Development Company for freshers) and Gujarat Infotech Limited (an IT Corporate) who gave me excellent opportunities.

I am also thankful to Digital Deepak for fully training me on Digital Marketing and also PIXEL TRACK who sincerely helped me learning Content Marketing Mastery.

Therefore,

LET US GIVE THANKS Today & Every Day

to

GOD

to

Family, Relatives, Friends, Teachers, Bosses, Leaders, Military & Veterans.

THANK YOU.