Feng Shui is about manipulating how energy flows through your space. By manipulating this energy you can reinvent your space. Using Feng Shui in the office is all about organizing in a way that makes you feel energized, focused, productive, and powerful. Without making big changes you can retake control. So use these Feng Shui steps to harness your offices' chi for your success.
Step 1: Declutter Your Desk
The first thing you need to do for any Feng Shui is to declutter. If you want to manipulate your space's energy you can't have anything blocking or clogging it up. There's a mentality that if you have everything on the surface you'll find it easier but it really distracts you and slows you down. Cluttered desk = cluttered mind so take everything off the surface and organize it out of your sightline.
Step 2: Find Your Power Position
A principle of Feng Shui is that your chair should always see the door. It makes sense why that's the command position, because you have heightened awareness of your surroundings. This isn't typically possible for a cubicle so make your space your own by creating a barrier. You don't want to be face to face with anyone.
Step 3: Consult the Bagua
A bagua is an energy map that will help you organize your space by bringing the power of intention. There are two different styles so pick which one is best for you. It's all about inviting energy into specific areas that you want to focus on in your life; ie. wealth, family, creativity etc. To use the bagua make a simple map of your space then break it up into 9 equal sections. You then place significant objects in the corresponding area. A plant can invite in wealth, a photo of a loved one can help your relationship, and it's all about exploring what is important to you. You can do this over your entire office, or on your desk.
Step 4: Bring Nature into Your Space
Plants, running water, and elementals are a crucial part of Feng Shui. They invite life into your space and living plants help the chi flow around while also filtering out air pollutants. If you don't think your office could sustain a plant check out this fantastic list of options. Water can be tricky and if you can't have a fountain consider artwork that is H2O inspired.
Step 5: Make Sure There's Balance
Balance is key so make sure that everything is in harmony with each other. To do this you should think about all different kinds of balance. The forces of yin and yang can be seen as more than darkness vs. the light and are often equated with feminine and masculine energy. The elementals wood, earth, metal, fire, and water should also be balanced in your office. Most offices start out full of fire and metal, namely the lights and your computer or filing cabinets. To balance you need to bring in elements of wood, earth, and water for a calming and focusing effect. Plants work wonders. Earth and water colors or artwork are great substitutes for real nature. Remember it's your office, so do whatever feels right to you.
If you follow these 5 simple steps you are sure to increase the energy flow of your office, bringing in positivity and harmony. This can help you stay focused, energized, and inspired in an otherwise stifling environment. Use these tools to help you achieve your optimal Feng Shui so that you can achieve all the success you deserve.
It's easy to forget that the presidency of the United States is a government job just like any other–in that it comes with a stipulated salary and benefits.
But regardless of their bombastic rhetoric or self-serious public image, politicians are like all other government employees. The president, vice president, and legislators earn an annual income from the government in exchange for their duties, which include: executing/circumventing the law, upholding/withholding the civil liberties of American citizens, and legislating/sabotaging how societal institutions meet the needs of citizens, from healthcare to education.
If you've ever wondered what American politicians earn for all their hard work arguing across the aisle and starting Twitter feuds, look no further:
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Maybe you've had a high stress occupation before, like social work or stock trading, and fell victim to the high burnout rate of these kinds of jobs.
Or maybe you're just starting your career, and looking for something that won't take over your life but will still provide you with a good living. Whatever reason you have for looking for a high paying, low-stress job, you've come to the right place. We've compiled a list of the top 5 jobs that promise a solid paycheck without taking too much out of you.
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What do you do when financial hardship hits and you can't make your monthly mortgage payments? This is a question on many homeowner's minds as nearly 17.8 million Americans are reportedly unemployed during the coronavirus pandemic.
When homeowners face financial hardship, such as the loss of a job, they often look to obtain a forbearance agreement from their lender. A forbearance happens when your lender grants you a temporary pause or reduction in monthly payments on your mortgage. Forbearance is not the same as payment forgiveness, in that you still have to pay the entire amount back by an agreed-upon time.
Mortgage lending institutions differ on their mortgage relief policies and qualifications; however, the Coronavirus Aid, Relief, and Economic Security (CARES) Act were signed into law in late March of this year to protect government-backed mortgages.
Federally backed mortgages include:
- Fannie Mae
- Freddie Mac
- The Federal Housing Administration (FHA)
- The US Department of Veteran Affairs (VA)
- The US Department of Agriculture (USDA)
Under the CARES Act, homeowners with a federally backed loan who either directly or indirectly suffer financial hardship due to coronavirus automatically qualify for mortgage forbearance.
Even if your mortgage is not secured by one of these agencies, you still can call and see if you qualify, as many lenders will still offer the option in order to avoid foreclosures.
Under the CARES act, homeowners can claim mortgage forbearance due to financial hardship from COVID-19 for up to 12 months without requiring any documentation or verification. During the forbearance period, mortgage lenders cannot charge late fees or penalties.
Additionally, as long as your mortgage is current at the time you claim forbearance, the lender is required to keep reporting your mortgage as paid current throughout the entire period.
At the end of the forbearance, the CARES act protects consumers from having to make a lump sum payment. Instead, you will be given a repayment plan from your provider. Since repayment options vary, it's important you ask your provider about all of your repayment options.
Possible Repayment Options:
You may be eligible for a loan modification at the end of your forbearance. With modification, the mortgage terms are changed in order to add payments that were missed during the forbearance onto the end of the loan, extending the term.
Another option that may work for some is a reduced payment option. This allows you to keep paying monthly payments at a reduced amount. The amount missed is usually added back into the monthly payments at the end of the forbearance.
Regular payment: $1000 per month
Reduced payment: $500 per month
Payment after forbearance period: $1500 (until caught up)
Balloon payments, or lump sum payments at the end of the forbearance, are prohibited under the CARES Act. However, mortgage lenders may require homeowners who are not protected under the CARES Act to make a balloon payment at the end, so again it is best to check first with your provider.
Mortgage forbearance should only be considered in true financial hardship. In other words, just because of the pandemic, you should not take a forbearance on your mortgage if you can still afford your payments. Likewise, if you are able to start making payments before the forbearance period is up, it's best to do so as soon as possible.
The Next Steps:
Before you get in touch with your mortgage servicer, save time by gathering as much documentation about the mortgage as you can. Also, be ready to list your income and monthly expenses. Due to an influx in calls, financial institutions are experiencing extremely long wait times right now, and having your information at the ready will help.
Have questions ready to ask. Here are some questions you should be asking:
- What fees are associated with the forbearance?
- What are all the repayment options available to you at the end of the forbearance?
- Will you be charged interest during the forbearance period?
If your forbearance is approved, make sure to keep all documentation pertaining to it. Make sure to cancel any automatic payments to the mortgage during the forbearance period, and keep tabs on your credit report to make sure your lender doesn't report the loan as unpaid.
For more information on forbearance, contact your lender and discuss your options. If you need more assistance with understanding your options, you can contact a local agent for the housing counseling agency, or call their hotline at 1-800-569-4287.