The Four Elements of Emotional Intelligence

Emotional Intelligence is the capability of a person to manage and control his or her emotions and possess the ability to control the emotions of others as well. Emotional intelligence or EI is the ability to understand and manage your own emotions, and those of the people around you. People with a high degree of emotional intelligence know what they’re feeling, what their emotions mean, and how these emotions can affect other people.

How well acquainted are you with each of these resources?

1. Self-awareness: The ability to recognize your emotions and their impact while using gut feelings to guide your decisions.

Can you attend a meeting and quickly sense that something is not as it seems? Formerly known as “intuition”, this instinctual knowledge is based on emotional intelligence.

2. Self-management: The ability to control your emotions and behavior and adapt to changing circumstances.

Can you adequately harness your anger, disappointment or fear so your emotions don’t interfere with your ability to listen or problem solve? Do you know when you need help, can you ask for it?

3. Social awareness: The ability to sense, understand, and react to the emotions of others and to feel comfortable socially.

Can you tell when you’re unintentionally making another person uncomfortable or when someone who is smiling is really upset?

4. Relationship management: The ability to inspire, influence, and connect to others and to manage conflict.

Can you remain calm, energized and focused in the face of another’s distress or during an upsetting situation? You should ensure to manage your emotions and practice self control at all times.

Remember you can handle every situation all you need is the will to hang in and succeed.

Modifying Social Media Use To Improve Mental Health

Social media consumption has taken a major part of our daily life as statistics shows that a person spends an average 5 hours daily on social media which contributes to about 15% of our active time daily. Here are some ways to modify your habits and improve your mood:

There is a lot going on at the moment. The pandemic has literally changed a lot of things. No more hangouts, no more partying, no more movie date, no more hugs, no more handshakes, movement restricted. This has been tagged “The New Normal”. There’s no doubt the new normal has been frustrating, tiring, and also, it is toxic for us. Amid all of these, a particular platform has become our companion, best friend, a news source, name it. Well, for some people, it has always been. Apart from the pandemic, the world has also been dealing with other pressing issues. From racism, to rape, to the killings of innocent souls. If you tag the year 2020 “The Year of Revolution”, you are not far away from the truth. We wake up to read several breaking news on social media almost every week, each with its own hashtags. All these can take a toll on some people’s mental health. Therefore, here’s how you can modify your social media use to protect and improve your mental health during this “revolutionary” year:

Reduce time online: Setting a specific time one needs to spend online might be hard for most of us, but being more mindful of your social media use can have beneficial results on your mood and focus.

Change your focus: Many of us go on social media out of habit, some to get specific information, some to see what’s trending, some to share new photos, and so on. But by focusing on your motivation for logging on, you can not only reduce the time you spend on social media, you can also improve your experience and avoid many of the negative aspects. So, whenever you are accessing social media, clarify your motivation for doing so.

Express gratitude: Expressing gratitude about the good and important things in life can be a welcome relief to the intimidation, depression, and discontent which are sometimes generated by social media. Reflect on the great memories and positives in life and also practice mindfulness.

 

Engaged Listening: Becoming an Engaged Listener

What’s Engaged Listening?

Engaged listening includes listening to the words being said, but also be aware of body language, tone of voice, and other non-verbal cues.

Effective communication is about more than just exchanging information. It’s about understanding the emotion and intentions behind the information.

When communicating with people, we often times focus on what we should say. However, effective communication is less about talking and more about listening. Listening well means not just understanding the words or the information being communicated, but also understanding the emotions the speaker is trying to convey.

There’s a big difference between engaged listening and simply hearing. When you’re an engaged listener, you will not only be better at understanding the other person, you’ll also make that person feel heard and understood, which helps build a stronger, deeper connection between you.

Do you want to become an engaged listener? Do you want to understand and connect with people when they’re talking to you?

Here are five (5) tips to help you out;

Tip 1: Set your focus fully on the speaker. Many of us are fond of always checking our phones when someone is speaking to us. You can’t listen in an engaged way if you’re constantly checking your phone or thinking about something else. Get rid of all distractions. You need to stay focused on the moment-to-moment experience in order to pick up the nonverbal cues in a conversation. If you’re finding it hard to concentrate on what the speaker is saying, try repeating his or her words over in your head; it’ll help to reinforce his or her message and help you stay focused.

Tip 2: Favour your right ear. It’s believed that the left side of the brain contains the primary processing centres for both speech comprehension and emotions and is connected to the right side of the body, hence, favouring your right ear can help you better detect not only the message, but also the emotion behind it. Strange, isn’t it?

Tip 3: Avoid interrupting or trying to redirect the conversation to yourself.

Don’t forget, listening is not the same as waiting for your turn to talk. For some of us, we are guilty of already forming what we’re to say next while the speaker is still talking to us. You can’t concentrate on what a speaker is saying if you have a ready thought or response in your mind. Doing this, we are only focused on what we want to say. Also, the speaker can read your facial expressions and know that your mind’s elsewhere.

Tips 4: Show your interest in what’s being said. While listening to a speaker, nod from time to time, smile at the speaker, keep an open and inviting posture to acknowledge him or her. This is one of the ways to improve communication and become an engaged listener.

Tip 5: Set aside judgment. Remember, when listening to a speaker, you don’t have to agree with what he or she is saying or their opinions. Having said that, you do need to set aside your judgment and withhold blame and criticism in order to fully understand them

Five Tips To Help You Calm Your worried Mind And Ease Anxiety

Ever since the outbreak of the COVID-19 virus, a lot of worries, doubts, and anxieties have crept into almost everyone’s minds. Some have lost their jobs and loved ones, some are struggling to cater for themselves and their families. Nobody expected this to happen but that’s life for us.

The sad truth is; worries, doubts, and anxieties are a normal part of life. It’s natural to worry about your jobs, unpaid bills, etc. But “normal” worry becomes excessive when it’s persistent and uncontrollable.

Constant worrying can take a toll on your emotional and physical health. Here are 5 tips that can help you calm your worried mind and ease anxiety;

Tip 1: Create a daily “worry” period

During this period, it will be hard and tough for you to be productive with your tasks and also in your daily activities especially when you give room for anxiety and also dwell on it. Rather than trying to stop or get rid of an anxious thought, give yourself permission to have it, but put off dwelling on it until later.

  • Create a “worry period.”: Assigned a set time and a particular place in your house for worrying. It might be anywhere, your bedroom, living room. During this “worry period”, feel free to worry about whatever it is on your mind early enough that it won’t make you anxious right before bedtime. The rest of the day, however, is a worry-free zone.

PS: This “worry period” shouldn’t exceed 20 minutes

  • Write down your worries: Anytime an anxious thought creeps into your head, write it down immediately and then go on about your day. There’s no need for you to think about it immediately as you already have a set time to do that; your “worry period”. Writing down your worries and anxieties is much harder work than simply thinking them, so your worries are more likely to lose their power.
  • Go over your “worry list” during the worry period: If you are bothered about your “worry list”, allow yourself to worry about it, but only for the amount of time you’ve specified for your worry period. And if your thoughts don’t seem important any more, simply cut your worry period short and enjoy the rest of your day.

Tip 2: Distinguish between solvable and unsolvable worries

Running over an issue in your head diverts you from your feelings and makes you feel like you’re getting something done. But worrying and problem solving are two different things.

No matter how much time you spend lingering over worst-case scenarios, you’re no more prepared to deal with them should they actually happen

Tip 3: Interrupt the worry cycle

You may feel like you’re going insane, or going to wear out under the heaviness of this anxiety. In any case, there are steps you can take presently to interrupt all those anxious thoughts and give yourself a time out from persistent worrying.

  • Try exercising: Exercise is a natural and effective anti-anxiety treatment because it releases endorphins which relieve tension and stress, boost energy, and enhance your sense of well-being. Even more importantly, by really focusing on how your body feels as you move, you can interrupt the constant flow of worries running through your head.
  • Try meditating: Meditation works by switching your focus from worrying about the future or dwelling on the past to what’s happening right now. By being fully engaged in the present moment, you can interrupt the endless loop of negative thoughts and worries.
  • Try deep breathing: When you worry, you become anxious and breathe faster, often leading to further anxiety. But by practicing deep breathing exercises, you can calm your mind and quiet negative thoughts.

Tip 4: Talk about your worries

Keeping worries to yourself only causes them to build up until they seem overwhelming. But saying them out loud can often help you to make sense of what you’re feeling and put things in perspective. If your fears are unwarranted, verbalizing them can expose them for what they are—needless worries. And if your fears are justified, sharing them with someone else can produce solutions that you may not have thought of alone.

So, build a strong support system and also know who to avoid when you’re feeling anxious

Tip 5: Practice mindfulness

Practicing mindfulness to stay focused on the present is a simple concept, but it takes time and regular practice to reap the benefits. At first, you’ll probably find that your mind keeps wandering back to your worries. Try not to get frustrated. Each time you draw your focus back to the present, you’re reinforcing a new mental habit that will help you break free of the negative worry cycle.

  • Acknowledge and observe your worries: Don’t try to ignore, fight, or control them like you usually would. Instead, simply observe them as if from an outsider’s perspective, without reacting or judging.
  • Let your worries go: Notice that when you don’t try to control the anxious thoughts that pop up, they soon pass, like clouds moving across the sky. It’s only when you engage your worries that you get stuck.
  • Stay focused on the present: Pay attention to the way your body feels, the rhythm of your breathing, your ever-changing emotions, and the thoughts that drift across your mind. If you find yourself getting stuck on a particular thought, bring your attention back to the present moment.

Tips on how employees can stay productive working from home

The COVID-19 outbreak has taken the world by storm. Some offices have shut down and employees have been directed to start working from home in some cases.

Here are some tips to ensure employees stay productive and maintain balance while working from home:

– *Set a schedule and stick to it*: Setting a schedule and sticking to it enables employees to know when to work and call it a day. This helps them to maintain work-life balance.

– *Set break reminders*: Set regular breaks to keep you energized and focused. This helps to improve your health and physical wellbeing.

– *Keep a dedicated office space*: Dedicate a desk and some peripherals only for work use while working from home.

– *Learn new skills*: This period is the best time to learn a new skill as you’re working right from the comfort of your home.

– *Take advantage of your perks*: Working from home has its unique perks as you have the time to make your favorite meals or a food you’ve been craving. Take advantage of them because you deserve it.

– *Stay focused and switch off distractions*: This might be difficult for most employees to do as working remotely comes with lots of distractions and this affects their productivity. So, try your best possible to stay focused and get rid of any form of distractions.

– *Have some social interaction*: Some of the problems of working remotely are isolation, loneliness, and disconnect especially in this COVID-19 pandemic period. But take out to FaceTime your colleagues, call your loved ones etc. Don’t let working remotely ruin your social life.

Time Management Tips for Every Employee

One of the most rewarding soft skills every employee should have is; Time Management. Missing deadlines, not meeting your KPIs, can be attributed to poor time management skills. Time management skills will take every employee far in life; both personal and professional.

It is crucial that every employee masters the art of time management in order to get more work done in less time.

Below are some techniques that could help every employee to effectively manage their time in order to boost their productivity at their workplace;

  1. Prioritize your tasks: There should be an effective communication between supervisors and their teams to help them attend to and complete tasks with the highest priority first. Priorities should align properly with the unit/department/division and company goals.
  • Delegate tasks: Delegating tasks is not only about assigning tasks, supervisors should always make sure to explain in details the job duties and responsibilities to their teams, provide every necessary resources, and monitor their progress. This process would help each employees reach their assigned goals.
  • Set goals: Employees should set daily, weekly, and monthly goals for themselves and timeline for the completion of each goals should be set. Your goals must be S.M.A.R.T, i.e., specific, measureable, attainable, relevant, time-bound.
  • Streamline: Supervisors should have a good rapport with their employees. Let there be regular discussions on how each employees can be more efficient in handling and carrying out their job descriptions/duties/responsibilities.
  • Take Rest Breaks: Every employee has his or her limits. Employees should take regular rest breaks whenever they feel tired or stressed.

In order to further optimize the performances of employees at their workplace, here are some time management tools employees can use;

  • Use Asana or Trello to manage and automate certain tasks
  • Set timers to remind you to take a break
  • Use a daily planner to create a schedule or a to-do list

Tips To Maximize Your Work Productivity

We all want to close at work feeling so satisfied and fulfilled simply because of what we have accomplished at the end of the day. Here are some hacks to help maximize your work productivity:

  1. Write Down Your Most Important Tasks: It is important to start your day with tasks that are important to you. You can either choose to do the hardest task first, so other tasks feel easier or do the easiest task first to build up some momentum. Each morning always take your time to prioritize your most important tasks for the day.
  2. Check Your Email: Always set specific times to check your email. Many people are guilty of this habit of not checking their mailbox. Cultivate the habit of checking your email anytime you get a notification.
  3. Learn to Say “NO”: Many people do say this; “I always find it hard to say a NO! Well, only except for your boss. But if you really want to raise your productivity levels, you can’t allow people to order you around all the time. Therefore, always learn to say NO.
  4. Listen to Music: Everybody is different. Our taste or choice of music is different. Listen to music as it helps maintain focus and stay productive.
  5. Batch Similar Tasks: When planning your day, do make sure to always batch similar tasks. This helps you to maintain the same frame of mind for all the tasks involved and in turn makes your work process flow more smoothly.
  6. Plan Your Day Ahead of Time: Before your day starts, write down your tasks that are already scheduled for specific time, then see how you can creatively and effectively fill in other tasks.
  7. Get Rid of Distractions: When you lose focus, regaining it might be hard. Distraction is something that you usually affect the productivity of a worker. If you can get rid of distraction is several ways. It can be by shutting the door of your office, putting on a headset or earpiece, putting your phone on silent etc

At Credit Direct, we have ensure each staff productivity is tracked and monitored to ensure they perform optimally. While you are developing yourself, remember we offer loans without collaterals and guarantors to salaried employees. Its easy to locate us online. Loan in Lagos, Loans in Nigeria. We are your sure contact.

Ten Steps to Starting a Business

You have had the business idea, so what’s next? It’s time to set up and start your business, it’s time to build that empire. Starting a business involves thorough planning, making financial decisions, and many more.

Note, every business is unique and you may need to refine this list as you go. Here are the steps that you will find helpful when you are ready to start your business:

  1. Conduct a market research: When starting your business, it is crucial you to carry out a market research as it helps you to find customers for your business. It’s very key to understand your customer base from the starting point. Assess the strengths and weaknesses of your potential customers.

To have a good sense of your business, answer some of these questions:

What is the income range and employment rate?

How many people would be interested in your offering?

Is there a desire for your product or service?

Where do your customers live and where can your business reach?

How many similar options are already available to consumers?

What do potential customers pay for these alternatives?

  • Have a business plan: This is a written document describing the nature of your business, the sales and marketing strategy, and the financial background, and containing a projected profit and loss statement. Creating and having a business plan is a key part of starting any business and it is also foundation of your business.

A business plan may have these sections;

  • Executive summary: This section tells your reader what your business is, your mission statement, your product or service, and basic information about your company’s leadership team, employees, and location.
  • Company description: In this section, give a detailed information about your business and the problems it solves.
  • Market analysis: In this market analysis section, carry out a competitive research which shows you the strengths of other businesses and what they are doing.
  • Organization and management: This section shows your reader the structure of your business, and the relationships and relative ranks of its parts and positions/jobs.
  • Service: Talk about the services you offer and the benefits to your customers.
  • Marketing and sales: This basically is your marketing strategy. The goal is to tell your reader how you plan to capture the attention of potential customers and retain them.
  • Appendix: This section includes any additional documents that you want to use to give your reader a feel for your product, marketing, services.
  • Fund your business: You need money (capital) to start any business venture. Take out time to carefully calculate the costs. You can raise a capital by self-funding, investors or taking a loan.
  • Pick your business location: This is a crucial part of starting a business. Consider your customers’ proximity to your location. When your business is located must be easily accessible and motorable. You might also need to consider the costs.
  • Choose a business structure: This defines how activities such as task allocation, coordination, and supervision are directed toward the achievement of organizational aims. The different types of business structures are; Sole proprietorship, Partnership, Corporation, Limited Liability Company, and many more. When selecting a business structure, choose the one that provides the most benefits and legal protections.
  • Choose and register your business name: Choose a name that you are sure best describes your business and protect it by registering it with the right agencies.
  • Get federal and state tax IDs: This is an essential document. You will need to file income taxes for your business. The Internal Revenue Service uses Tax Identification Numbers to distinguish between individuals, business, and nonprofit organization. Make sure you apply.
  • Apply for business permits and licenses: Get necessary permits and licenses for your business from federal and state agencies in order to be able to operate.
  • Open a business bank account: Open a business bank account as soon as you start accepting or spending money.
  • Business insurance: Starting a business is a smart risk, hence, get a business insurance to protect your business from losses due to events that may occur during normal course of business.

Need a loan to start up your business while still employed? Call us now on 01 4482225. Credit Direct offers collateral free loans to salaried employees within hours. We enable Peace of Mind.

Tips To Maximize Your Work Productivity

We all want to close at work feeling so satisfied and fulfilled simply because of what we have accomplished at the end of the day. Here are some hacks to help maximize your work productivity:

  1. Write Down Your Most Important Tasks: It is important to start your day with tasks that are important to you. You can either choose to do the hardest task first, so other tasks feel easier or do the easiest task first to build up some momentum. Each morning always take your time to prioritize your most important tasks for the day.
  2. Check Your Email: Always set specific times to check your email. Many people are guilty of this habit of not checking their mailbox. Cultivate the habit of checking your email anytime you get a notification.
  3. Learn to Say “NO”: Many people do say this; “I always find it hard to say a NO! Well, only except for your boss. But if you really want to raise your productivity levels, you can’t allow people to order you around all the time. Therefore, always learn to say NO.
  4. Listen to Music: Everybody is different. Our taste or choice of music is different. Listen to music as it helps maintain focus and stay productive.
  5. Batch Similar Tasks: When planning your day, do make sure to always batch similar tasks. This helps you to maintain the same frame of mind for all the tasks involved and in turn makes your work process flow more smoothly.
  6. Plan Your Day Ahead of Time: Before your day starts, write down your tasks that are already scheduled for specific time, then see how you can creatively and effectively fill in other tasks.
  7. Get Rid of Distractions: When you lose focus, regaining it might be hard. Distraction is something that you usually affect the productivity of a worker. If you can get rid of distraction is several ways. It can be by shutting the door of your office, putting on a headset or earpiece, putting your phone on silent etc .

Achieving your Financial Goals

Financial Goals are the priorities and targets you set for how you want to spend and save your money.

Some financial goals you might set as an individual include saving to buy a home or pay for rent, go on vacation, start a business, pay off debt, etc. When setting a financial goal, you must determine the length of time it’s going to take to reach your goal.

It can also be said that it is not a person’s ability to save that encourages him/her to save money, but the willingness to save forces him/her to do so.

For you to achieve your financial goals, you need to take proactive measures. Here are some steps to follow in achieving your financial goals:

  1. Write out your goals: Writing out your financial goals is the first step to take in achieving them. Because if you don’t write them, you won’t do or see them with your eyes.
  2. Track Expenses: Monitoring your expenses is key to achieving your financial goals. Do well to track your expenses daily, weekly or monthly. You can use expense mobile apps to do this and be determined to doing this diligently. Tracking your expenses is very helpful as it helps you to cut down on some unwanted expenses and in turn boost your saving rate.
  3. Follow a solid plan: Sometimes, you might be overwhelmed barely looking at a list of your financial goals. This is where creating a solid plan comes in. This helps you to know where you need to start from, decide the next thing to do. Know your money weaknesses and set out a plan to avoid or overcome them. Also, know your money strengths and build on them.
  4. Create accountability: Setting and reaching financial is not an easy task, hence the need to have somebody you can always trust to talk through your goals. Because along the way, you will need words of encouragement and some reality checks. He or She will check in on your progress and applaud you. What having accountability does is that, it allows you not to leave your dreams on your shoulders but also allows you pick someone to help you carry the load.
  5. Re-evaluate your goals: Change as they say is constant. It’s okay to have a change in your goals but don’t abandon them. Reevaluate your financial goals monthly, quarterly or every six months so they fit where you are and where you are going.

Getting Quick Loans are a sure way of achieving your financial goals. At Credit Direct Limited, we offer low interest emergency loans without collaterals or guarantors. You can apply on www.creditdirect.ng