Allow Your Goals (Not Your Age) To Help You Grow

For the past few years, it feels like I’ve been chasing everything. Seems like only yesterday it was my 21st birthday. I often hear people talk about how scared they are to reach the end of their 20s. Like it is a period that defines you for your entire life. To be honest, I didn’t stop to think about reaching the end of my 20s until now.

For the five years since moving to the states, I have been looking forward. I always have something to reach to, a goal to achieve. Moving from Israel felt like a breeze, actually. Fast forward a few years, and all of a sudden, I am turning 30; I hold a position as the marketing director for a fast-growing company, and I have a great life with my husband and our three-dog family.

Maybe the path I am trying to take is somehow clear to me on the personal level, but what is it on the professional end? I guess many people my age and in my position may feel the same. After all, I have a steady job and an amazing team — together we achieve great results. The company I work for is growing rapidly, I was shortlisted as a finalist for marketer of the year for two business-to-business marketing awards in 2018 and have been able to share my industry expertise with readers. All of that does not overcome the feeling I had the moment I realized the big 3-0 is just around the corner.

Taking A Moment To Reflect 

It’s stupid, honestly. That absurd thought that going into a new decade of life will change anything significantly. But whatever your age, let’s be frank and admit that nothing actually changes because you are a year older. As long as you push hard to achieve your goals, your age is just what you put on your social media account.

Goals are what drive us in life. These are what keep me energetic and focused all the time. I have goals for my career and goals for my personal life — even goals for my social life. If you aspire to achieve something, you will find the way. That’s my approach. While you may not always succeed in achieving the goals you set, I believe having them is a crucial part of your growth and success.


The Goal-Setting Imperative

To decide what goals you set, think about the next step in your professional journey. What small (or big) mountaintop do you want to reach next? Is it a new position? A bigger project? Increased compensation? A wider professional circle? Or maybe enrichment through education?

Try to set goals that will help you grow and progress, but at the same time, be realistic, and don’t imagine goals that are out of your reach. That way, you help yourself constantly grow.

The whole point with having goals is that they become part of the day-to-day cycle. Don’t think about them all the time, yet push toward them every second. Confusing? Well, think about it as a blueprint for your next phase. Figure out what needs to be done to get to where you want, and work toward that, but at the same time, don’t let that be your sole focus, as you may become inefficient in your other responsibilities.

To start, try to set one small goal. Something simple but meaningful. Achieving that small goal will help you move on to the next bigger one. If you fail, don’t be discouraged — analyze what went wrong. Did you overestimate your abilities? Did you lack in performance? Could you work harder to achieve your goal?

Your Goals Drive Progression

Each of us must have a drive in life. Call it whatever you want, but something that drives you is a goal. Something that motivates you is a goal. Goals don’t have to be set in stone, but you must have them. Because without goals, your progression won’t matter — in fact, it may not even occur.

This is how I look at the fourth decade of my life. The decade in which many of us set the tone for growth in our careers. The decade in which we may change our lives in more ways than one. The decade in which we learn from our last decade of mistakes and then make new ones.

As part of the millennial generation — the generation of technology — we are used to change. Tied with our personal achievements and self-independence, we can set the tone for the future and actually make a change. Let that be our master goal.

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Kobi Ben-Meir

Marketing Director at Yalber. Overseeing the brand and marketing strategies in the US. View the original article published on Forbes.

Things To Consider Before Seeking Small Business Financing

Being a small business owner is not an easy job. So, why do so many people go that path? Often because they believe in what they do and seek independence. But how do you make it work in today’s economy?

A successful business is often measured by its stability and not necessarily by profitability. A good business owner will know how to use different products and services to benefit the business and grow or solve issues to keep it alive. This includes identifying the right financing solution.

The “Small Business Credit Survey,” conducted in 2017 by the Federal Reserve Banks of New York, Cleveland, and Richmond, surveyed 5,547 single-employee firms and found that “65% of credit card holders use a personal credit card for business financing,” while only one in four applied for financing specifically for their small business.

Financing options for small businesses include standard bank loans, but many banks are reluctant to fund small businesses without personal guarantees, which require you to risk your personal assets, both financial or physical, to secure such funding. Alternatively, there are companies that offer unsecured loans — also referred to as merchant cash advance or royalty investments. Having worked with several of those products, including in my current role as director of marketing for Yalber, I have learned that, for the most part, these products are similar to one another.

While small businesses may choose different types of financing solutions for different reasons, there are several considerations every small business leader should make before signing that contract.

Analyzing Your Small Business’s Financing Needs

A small business leader should account for the amount and length of the financing offer needed. To allow a better cash flow and turnaround on credit lines for the business, it is usually best to acquire a short-term financing deal that you can afford. This means that the amount you pay back is fixed for the term, and you don’t risk your business stability if required to pay back a percentage of your revenue. A long-term loan will be cheaper for the business but will limit the funds you can withdraw as working capital, as it will take longer to pay the loan back. The free early payoff and no commitment (typically) for the short-term loan can be attractive to small business owners.

When it comes to credibility with a bank loan, you are good as long as you pay on time. With short-term loans, you can gain points for paying them off early, paying more than your required payment or even for paying on time with no issues. Those factors can help you when you need additional funding before the first loan is paid off. Think about a short-term loan as a credit card. You get a $5,000 credit line, and when you pay most of it for a few months, you get a credit increase. It works the same with short-term loan companies.

Another aspect to consider is how responsive you need your financing contact to be. With short-term financing companies, you can get an actual person as your main point of contact, compared to larger companies and banks, with which you will most likely work with the general customer service department.

Ultimately, you need to remember one thing: Business financing is not the solution for any business. If your business is new and cash flow is not stable, a short-term financing deal will not be the right move, as you may not be able to guarantee the scheduled payment. Or if your business requires a larger financing deal (over $500,000), you will likely want to secure a bank loan due to the lower interest and better payment terms. If your business can’t guarantee the loan payment, however, you should avoid short-term and bank loans altogether.

Planning ahead is the most important part of every business. When you take the time to thoroughly consider your options, you can work to create a stable business. Just remember to shop around and get the best offer for your business. Knowledge is power, and knowing the right tools, services and products for your business’s success is key.


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You can see the original Forbes article here



Kobi Ben-Meir

Marketing Director at Yalber. Overseeing the company’s brand and marketing strategies in the US.