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Personal development is a continuous process. Many people think that personal development is only needed for the period of life when one is actively engaged in business, studies or career-building, but over time, it has been discovered that being a productive individual does not stop at retirement. School curriculum provides structured learning, with subjects that are deemed relevant like history and physics and mathematics. While these are applicable in real-life situations, there is more to life, and lessons on how to be better human beings, to be empathetic, to be joyful irrespective of the circumstance, seem to be sorely needed in our world today. Understanding that being a high achiever does not guarantee joy, or marrying the richest spouse does not guarantee emotional stability, or that peace is elusive if an individual does not know who he is or what he wants, are lessons that no longer hold a place in our education. As the world becomes more impersonal with the progress in technological advancements, there seems to be a lesser need for real-time interpersonal relationship, leading to an increase in mental health issue and a higher number of socially awkward individuals in our societies. To address this lacuna, some companies have risen to the challenge of providing education for interested people at whatever stage of their lives. Mostly the forte of faith-based organizations in the past, secular companies have also arisen to contribute their bit in reminding us about the need to be humane, and about what humanity should look like. One of such companies is MindValley. We can’t say they’ve got you covered for sure, but we suggest you read independent reviews left for the company and their programs by old and existing participants.

About MindValley
Mindvalley is an educational technology company that provides an education that regular schools have forgotten. Founded in New York, in 2002, Mindvalley asserts its curriculum is designed to unleash the fullest potential of your mind, body and spirit. The curriculum seeks to provide a sense of fun, joy, friendship, authenticity and life-long learning for the teachers and students. Their mission is to create a personal transformation that raises human consciousness. The Co-founder and CEO of MindValley is Malaysian-born entrepreneur, speaker and author of The Code of the Extraordinary Mind.

Products and Services of MindValley
The company offers channels for learning like MindValley Mentoring, MindValley Talks, MindValley Podcast, as well as training sessions via  Youtube, Instagram, Facebook, LinkedIn and Blog. They also hold events like MindValley Live, MindValley Local Seminars, MindValley-A-Fest and MindValley University. You can download their app to access their resources.

Compliments, complaints and tips for MindValley
Have you taken any of the courses from MindValley in the past? Have you witnessed any personal or professional improvement after the program? Would you recommend them to your friends and colleagues? Please leave a brief review of your experiences before, during and after taking MindValley’s course(s). Tips on how they can serve you and others better would also be welcome.

Things to consider when taking out a loan

A loan is a sum of money you borrow from a financial organization that you gradually pay back, with interests, over an agreed period of time. There are different types of loans, but the main two types of loans are secured and unsecured. Secured loans require that you offer up something you own of value in case you can't pay back your loan. Unsecured loans allow you to borrow the money outright, typically after the lender considers your finances to be safe and stable. 

To get a loan, you need to apply to a lender or a broker. This can be done through phone, in person or, nowadays, can be easily done online as well. Once the lender approves it, they will transfer the money to your bank account. Loans are usually paid back in monthly installments, and if you miss a payment you will be charged extra with a fee and also more interest. Also, keep in mind, the longer you take to pay off a loan, the more expensive it will be due to interest charges.

Things to consider when using your credit card

Owning a credit card can be a great step toward building a strong financial future and establishing an excellent credit score. But it is important to manage your credit consciously as it can lead to great debts that you will struggle to pay off for long periods of time. Here are some key recommendations to help you make better decisions when using credit: 

Keep track of your spending - The first step you can take to be responsible with your credit is to calculate how much you can spend. And, after that, keep track of your spending and avoid using your credit card once you’ve reached your monthly limit. This takes discipline but it will also make sure you will build a good credit score. 

Have a clear budget - credit card is a very convenient and easy way to make purchases, but it’s important that you keep a clear tab on how much you can realistically spend so you are sure you can pay it off at the end of the month. Make sure you know how much of a margin of your monthly earnings you want to spend on purchases and paying off credit. 

Set up automatic payments - make sure you don’t skip any credit card payments by scheduling automatic payments ahead of your due date, which is always on the same date each month. Make sure to always have enough funds before the payment is scheduled. This ensures you won’t be charged for any late fees and you keep a good credit score with your bank. 

Before taking on a loan or credit, make sure you have chosen the right company for it, this can make a world of a difference between taking on a loan or credit that you will succeed in and enjoy or taking on a load that you will regret. Here are some loans and credit company reviews that will help you make an informed decision: