Increase Productivity


Increase Productivity

We have all heard the saying “Work Smarter, Not Harder.”

Yeah.  Easier said than done.

We all want to be more productive and more successful, but how do we do that without working a million ours a week and forfeiting a huge chunk (if not all) of our social life?

Maybe these tips will help:


Once you have all the information you need, make small decisions in less than 60 seconds

Check email in the afternoon so you protect the peak energy hours of your mornings for your best work.

Set clear, well-defined deadlines for your projects.

Stop waiting for perfect conditions to launch a great project.

Mess creates stress.  Clean out the clutter in your office to get more done.

Say goodbye to the energy vampires in your life (the negative souls who steal your enthusiasm).

Win the battle of the bed- put mind over mattress.

Turn off the TV.

Knock your worst task out first thing, and clear it from your stack of work

Don’t do so many meetings.

Don’t say yes to every request.

Get into your absolute best physical condition – it creates explosive energy and focus

Drink more water.


Stop working overtime.

Use your commute time – listen to books on audio, podcasts and learning programs.

Get things right the first time.

If it’s not absolutely necessary, take it off of your to-do list.

Get lost – don’t be so available to everyone.

At the end of the day, laser in on one final task, finish it, then call it quits.

Review your progress each day and find ways to improve.







Be SMART About Setting Goals

Living a healthy lifestyle is something that I important to almost all of us.  So much that most of us insure ourselves and our loved ones to protect our health and lifestyle.  There is SO much that happens in our daily lives and we get so busy, that sometimes we forget about our own personal goals.  Setting and reaching your own goals contributes to your success, lifestyle, personal life, and health.  Setting clear goals, was well as creating a plan on how to achieve them can be difficult at times.  Here are some tips to help you with your goals on becoming a healthier and more successful YOU:

  1. Set clear goals
  2. Choose goals that have a defined purpose
  3. Set start and finish dates
  4. Schedule time to work on goals
  5. Track all of your progress
  6. Utilize S.M.A.R.T.

What is S.M.A.R.T?

SPECIFIC: specific, significant, stretching – Make your goal clear, not general

MEASURABLE: measurable, meaningful, motivational – set measurements

ACHIEVABLE: agreed upon, attainable, achievable, acceptable, action-oriented – make goals attainable

REALISTIC: realistic, relevant, reasonable, rewarding, results-oriented – Make your goal must match-up with time commitments and ability

TIMELY: time-based, time-bound, timely, tangible, trackable – Put a date on goals for accountability


Seven Steps to a Sound Financial Future

Today, many people find themselves bombarded by a constant stream of financial news from television, radio, and the Internet. Yet, does all this “information age” data really help you manage your finances any better than in the past? The truth often is that the “old-fashioned” practices, such as periodic financial reviews, lead to greater success in the long run. Why not spend a few hours reviewing your finances? The changes you make today could result in increased savings. Consider these seven steps:

Analyze your cash flow. When your income is greater than your expenses, the excess is called a positive cash flow. When your expenses exceed your income, the shortfall is termed a negative cash flow. A positive cash flow means that you may have funds you can set aside as savings. A negative cash flow can indicate that it may be a good idea to reorganize your budget to minimize any unnecessary expenses.

Develop a program for special goals. For every financial and retirement goal you establish, identify a projected cost, a time horizon (how long it will take to reach the goal), and a funding method (such as through savings, liquidating assets, or taking a loan). Consider your goals in terms of a “hierarchy of importance.” The bottom—or “foundation” tier—should include emergency funds to cover at least three months’ worth of living expenses. The middle tier should include such essentials as your children’s education. On the top tier, place the “nice-to-haves,” such as a new car, home renovation, or vacation.

Boost your retirement savings. Employer-sponsored pensions and Social Security may not provide sufficient income to maintain your existing lifestyle when you retire. Thus, it is essential to identify your retirement needs and plan a disciplined savings program for the future. Maximize your contributions to retirement accounts, and if possible, make “catch-up” contributions.

Taxpayers, who are 50 years old, or older, are allowed to make additional contributions to their retirement plans. Traditional Individual Retirement Account (IRA) and eligible Roth IRA holders can save an extra $1,000 a year in 2010. Those with eligible 401(k), 403(b), or 457 plans can save an additional $5,500 in 2010.

Minimize income taxes. Why give Uncle Sam any more of your money than is necessary? It is in your interest to take advantage of all income tax deductions to which you are entitled. Consider exploring any possible ways of reducing your income taxes. For instance, under appropriate circumstances, losses or expenses from prior years may be carried over to the next tax year. A qualified tax professional can help you implement a tax strategy that meets your needs.

Beat inflation. Your income and retirement savings must keep pace with inflation in order to maintain your buying power. This means that if the inflation rate is currently 3%, you need to achieve at least a 3% annual increase in income just to break even. If your long-term savings plan fails to keep pace with inflation, you may be unable to maintain your current st andard of living.

Manage unexpected risks. As you undoubtedly know, life can sometimes throw you a “curve ball.” Without warning, a disability or untimely death can cause financial hardship for your family. Adequate insurance is an important foundation for your financial program—it offers the protection you need to help cover potential risks and liabilities.

Consult a financial professional. In today’s complex financial world, everyone needs help in making informed decisions. A qualified financial professional can help ensure that your financial affairs are consistent with your current needs and long-term goals.

Reviews can help bring focus to your overall financial picture. In the future, you will have the opportunity to alter your programs due to changing goals and circumstances. By faithfully tracking your progress, you will be in a better position to build financial security and realize the retirement of your dreams.

Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this article is not intended to— and cannot—be used by anyone to avoid IRS penalties. This article supports the promotion and marketing of insurance and/or other financial products and services. You should seek advice based on your particular circumstances from an independent tax advisor.

MetLife, its affiliates, agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax advisers regarding your particular set of facts and circumstances.

Copyright © 2010 Liberty Publishing, Inc. All Rights Reserved.

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This article appears courtesy of Karl Susman. Karl Susman is a representative of the New Engl and Life Insurance Company. He focuses on meeting the individual insurance and financial services needs of people on the West Coast. You can reach Karl at the office at (424) 785-4337. New Engl and Life Insurance Company, 501 Boylston Street, Boston, MA 02116