The INFP Personality Type: Everything You Need To Know

Are you guilty of caring too much? Do social gatherings drain you off your energy? Or, perhaps, you just like to be quiet and reserved.

Well, you are not alone! And, there is nothing to be abashed of. There are many people like us out there.

Yes, I’m like you, too, as well. Social gatherings are too much for me, and I’m overly sensitive about some of the things. After doing some in-depth research, I get to know that I’m not alone.

We come under a personality type called INFP. We are EMPATHS!

You heard me, right! We should be proud of ourselves – our nature, our personality type, everything! I bet most of you have not heard this term. Well, I was also unaware until a few months ago.

Aren’t you a little bit intrigued about your personality? Or what else do you love? If yes, this post is for you. Dive straight in and put an end to the cloud of thought

Who Are INFPs?

INFPs prefer to be alone rather than enjoy a party. These people are easily exhausted when surrounded by a large group of people and regain energy when left alone.

• **Introversion (I):
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*Introverts like to spend their time on their own and regain energy by being alone. People with this personality trait tend to exhaust when surrounded by a large group of people or at a party.
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**• Intuition (N):
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*These types of people tend to explore new things and ideas. People having these personality traits generally ignore small things and focus on the big picture.
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• Feeling (F):

*People with this type of personality trait prefer emotions over cold hard logic and only use emotions. These folks make quick and spontaneous decisions and follow their gut instead of their mind to solve problems.
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• **Perceiving (P):
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*perceiving type of personality trait is found in people who are generally flexible in their schedules.
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INFP Strengths

Different personalities have different strengths. INFPs possess numerous skills that are useful in almost every environment. People with INFP personality traits are compassionate and are a valuable asset within a close group.

INFPs have the ability to understand different perspectives, and that helps them in making better relationships.

Characteristics Traits Of INFPs

**1. They Like A Simple Life:
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INFPs are significantly more agreeable in natural surroundings and want a simple living. It is because they want to connect to the universe and focus on the meaning of life. They always think about helping the world in one or the other.

*It is not the case that the INFP character can live without material belongings; it’s simply that those things have less essentialness for them than the great purposes of life. The INFP character is probably going to have a practical, cleaned up home that is a desert garden of harmony where they can invest energy in innovative interests and thought.
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**2. They Are Learners:
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*As INFP personalities are curious about new things, they make good learners. Even if they get to learn a few new things, they will hop on that bandwagon without any second thought.
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*They want to help others, and they grow by experiencing new things.
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**3. They Are The Go-To People:
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*This personality type is also called the “Healers.” As they deeply care about other people, they tend to listen more to your problems and offer wise solutions. This makes them a good shoulder to cry on.
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*We are slanted to feel regretful on the off chance that we don’t react to someone else’s needs, regardless of whether that individual hasn’t indicated a specific consideration or love for us.
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*The INFP character needs to figure out how to allow themselves to think about their own self and say “no” to the individuals who exceed their limits or send them on an uncalled-for guilt trip.
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**4. They Can Be Moody:
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*INFPs will, in general, have times of profound despair. These episodes can be set off by pessimistic analysis, the disappointment from someone or something, or nothing by any stretch of the imagination, yet regardless of what the reason, the INFP character is inclined to feel that the world is finishing and that there is no desire for a superior tomorrow.
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There’s no convenient solution to this state of mind, and INFPs *have to give themselves some space and time to get out of it.
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**5. They Are Artists:
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*INFPs are good at expressing. They write, draw, and compose as they have a creative spot in their blood.
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Their rich imagination makes them beautiful artists. Moreover, INFPs are perfectionists, which tend to get the best out of them.

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Blood is Thicker Than Water | Family First

This generation keeps telling us that it’s okay to choose your own family even if you’re not related by blood. How that this is an acceptable note to some, others apply it exaggeratedly. It comes to the point where they disregard their real families without any reason. And this mindset has to change.

While there are challenges and downsides in dealing with family members, understand that we all have shortcomings. In the end, it all comes down to forgiveness and love. Remember that they were the ones who cared for and loved you with all their hearts. They took you in without question and regrets. No matter where you go, there’s always no place like home. This is one of the reasons why we acknowledge the thickness of blood. I understand how difficult it is sometimes, but four phrases help you communicate and understand each other to build a lifelong relationship.

Before we get to this, we must understand the history of the idiom. “Blood is thicker than water” is one of the oldest proverbs. It was first stated in Allan Ramsay’s Collected Proverbs in 1737. Some claim that it was even found in German history during the 12th Century. Back then, it was phrased, “Kin-blood is not spoiled by water.”

Philosophers strongly believe this proverb. The statement “Blood is thicker than water” is an idiom that means families are more important. It all comes down to the word “Love.”

Love is not just an emotion you feel towards other people. It is an obligation, a virtue, a passion that you have to uplift. In every relationship, individuals experience grievances towards each other. But it doesn’t mean that they give up. To give you a better perspective on how to deal with families, here are four phrases we need to look apply to strengthen family ties.

*“Whatever it takes”

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Have you ever loved someone, a boyfriend or a girlfriend, and told yourself to do whatever it takes to make them happy? It’s the same as the love with family members. Love is an obligation. It’s not enough to say “I love you”, you have to show it and display perseverance to let it grow. In relationships, you fight, you have misunderstandings, but it doesn’t mean that you’re going to give up. We have to be the bigger person and fight for our loved ones whatever it takes. Sometimes, this is enough to see improvement in your family ties. If you show determination to your families that you won’t give up on them, it could mean the world and help you build a more stable relationship.

***“Giving the benefit of the doubt”
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One of the common challenges of families is forgiving your kin when he or she does you wrong. Which is why you need to give the benefit of the doubt. People do things out of anger, out of impulses. Sometimes, they act based on what they feel or what they think is right. If a family has done you wrong, give them the benefit of the doubt.

What if they had good intentions for doing so? What if they didn’t mean to hurt you? Remember that people are born and raised differently. What is hurtful to you might not be hurtful to others. Your family member could have been through a lot and needs to release that emotion. It’s best to understand where their behavior is coming from so you know how to communicate with them.

***“Giving chances”
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Talk things out with your family. Initiate a forum where you can all open up your feelings towards each other. Do not be one-sided to your opinions. Try to open your mind to what they are trying to say. Sometimes, they have valid issues towards you too. So, give them a chance to explain themselves. This is important to achieve a wider perception of what you both need to change. With consistent communication and assurance, you can all build a familial tie that can withstand countless problems.

*“Accepting each other”

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Finally, acceptance is always key to a successful family tie. Everyone displays a negative attitude. No matter how saintly or angelic you seem, there’s always a negative emotion, a negative trait because nobody is perfect. You have to accept that.

In a friendship, for example, I know you have peers that possess traits you don’t like. But you accept them because you love them. This is the same as loving your family. As you get along with your family members, you see them display negative behavior. But you get used to it. You just need to call them out if they need it to change. You can be frank towards them, and that’s okay. It is important to make them aware of their negative actions so they can change it. That’s the value of closeness, communication, and trust.

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Importance And Sanctity Of Marriage

From the beginning, we are taught about the sanctity of marriage. Our grandparents still talk about the holiness and blessedness of the marriage.

However, with the country’s increased divorce rate, many questions arise about the sanctity of marriage. While some people still consider a wedding ceremony as holy, many individuals have forgotten the meaning of sanctity or just don’t care about that anymore.

In my view, marriage is so pure and sacred between two souls that no one can break. It is the sanctity of marriage that makes the bond between two people so special that one lifetime seems short.

If you are married or have someone in your life, you must know how important marriage is. You must have experienced the good that comes out of it. The purity, love, and emotions – yes, this is what I’m talking about.

In earlier days (yes, I’m talking about our grand and great grandparents’ times), marriage was so pure and selfless. They must have told you how they found true love and how they got tied into the ceremony for life.

So, do you think our modern love is the same as theirs? Are marriages nowadays based on love?

Is Marriage Still Considered As Holy As Before?

The sanctity of marriage is viewed differently by different people. The old generation was quite religious while many of us nowadays don’t pay much heed to all these things.

So, instead of focusing on an answer to the sanctity of marriage in today’s world, we should perhaps ask if it still exists.

Marriage has become a mere formality these days. I have seen people faking their marriage and being together for some selfish demands and desires. People have forgotten how beautiful marriage is and how wonderful their relationship could be if they take the sanctity of marriage seriously.

Marriages are ending in divorce because people are entering into this holy ceremony without God’s guidance.

It’s sad to see that money is more important to people than this beautiful bond of marriage.

Importance of Marriage

Marriage comes with many wonderful benefits that can help you make a better person. When you stop thinking about yourself and start thinking about your partner and children, you can see how pure love can be.

When you keep your kids before you and your partner’s needs before yours, the content and satisfying feeling you get is worth all the pain and sacrifices.

• Life-Long Commitment:

Although the life-long commitment that comes with marriage might scare some, this is the beginning of something new and so selfless.

• The Feeling Of Oneness:

You need to understand that life is about the spiritual and emotional union, not just a physical union. When two individuals get tied in the holy knot of the wedding, they become one. It gives you a person you can confide in. You can get someone you can fight for and face all the challenges together.

• Purity:

You know there is someone who loves you unconditionally and can do everything for that smile. You know you are not alone. This pure feeling should be there in marriage.

• Purposeful Life:

Moreover, marriage brings in a higher purpose to your life. Although you now have more people to think about, it gives you a greater sense of satisfaction. It even adds more meaning to your life.

• Parenting:

Parenting is another good part of marriage. Parenting might seem challenging, but it certainly comes with an exciting and joyful feeling.

Being a parent is one of the greatest blessings of life. With kids, you can now live a content life full of happiness and joy.

• Love:

Marriage teaches you the true meaning of love. You may think you love your partner before marriage, but you will understand the true meaning of love with time. You will learn how to love selflessly.

And, you will realize how beautiful that feeling is. The trust and the sense of protectiveness is everything one could ever need in life.

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Let It All Out: Here’s Why Crying Is Important for Your Health

Whenever we feel overwhelmed by an emotion, we cry! Whether we are feeling too much joy, grief or sadness, the first thing most of us do is cry.

Crying makes us feel good by overcoming all our negative thought and feelings. You must have felt better and lightweight after a crying session. It’s not just in your mind.

Various studies have proved that crying can genuinely make us feel better by its many amazing emotional and physical benefits. It is because emotional tears have a higher level of stress hormones than reflex and basal tears.

However, no one likes to cry in front of others. They feel vulnerable and weak.

Do you also hold back your tears, thinking it is a sign of weakness? Well, freeze and think again. Is crying really a moment of weakness or something you should be ashamed of?

NO!

It is just human nature, and shedding tears is actually healthy.

Here is a list of multiple benefits of crying. And, did you know these benefits start with the baby’s first cry?

So, people, let your guard down and cry all you want.

**1. Crying Elevates Your Mood.
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*Crying can lift your spirits. Scientifically speaking, when a person cries, he takes in quick breath of fresh and cool air, which regulates the temperature of the brain.
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Crying releases two different hormones, endorphins and oxytocin, which are called “feel good” chemicals. When your stress level decreases, you will sleep better; your immune system will strengthen and you are less likely to gain weight.

*It means your body itself calms down after a sobbing episode.
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**2. Crying Reduces Stress
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*Tears hold various stress hormones and different other chemicals. When we cry, these hormones are released from our body, reducing stress.
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*Crying helps in releasing pent up emotional stress. So, when you feel relaxed and better after a good cry, this is the scientific explanation behind it.
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**3. Crying Helps In Self-Soothing
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*Crying has a huge soothing effect on our mind and body. It helps regulate our emotions, reduce distress, and calm ourselves.
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*Crying activates PNS, parasympathetic nervous system, which helps you relax and de-stress.
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*However, these benefits are not immediate. You will have to wait sometime before you notice these changes.
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**4. Crying Lessens Pain
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*Remember the “feel good” chemicals? Yes, long sessions of crying releases endorphins and oxytocin. These hormones help in easing emotional and physical pain.
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*While oxytocin helps you in being calm, endorphins make you enter a somewhat numb stage. It means, after crying, you will feel better and less stressed out.
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**5. It Improves Our Vision.
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*Our eyes are exposed to dirt and dust particles. These are quite small and cannot be seen with naked eyes. However, this can do damage to our eyes or cause irritation.
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*When we cry, our eyes cleanse themselves. Crying removes all those debris and dust particles, which protect our eyes.
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*Moreover, our tears contain a chemical called lysozyme, a powerful anti-bacterial chemical. It helps n fighting infection, thus protecting our eyes.
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Further, when we cry, our eyes get rehydrated. It enhances our ability to focus, hence improving the vision.

**6. It Strengthens Our Relationships.
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*If you think crying makes you vulnerable and you shouldn’t cry in front of others, you are wrong.
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*When we cry in front of our friends and family, we are making them see a different and real side of us. They can see deep within our emotions and feeling that cannot be described in words. It creates a deep bond, which strengthens our relationship with the people around us.
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*So, don’t be afraid of crying in front of your loved ones; it will only turn out for good.
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**7. It Helps To Recover From Grief.
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*Grieving can be a long process, which has different stages. You must have heard people saying that crying help during bereavement.
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This indeed is true. Crying can help you with the grieving process and enables you to deal with the situation in a better way. It can also help you accept the loss of your loved one.

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Is The American Dream An Illusion Built On A Debt Smoke Screen?

*Image courtesy- Varo
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America, the land of the free and the home of the brave. Or is it? For a long time, the American dream has been the pursuit of many that dare to dream of achieving success. However, it looks like somewhere along the way, the dream was shortchanged by a nightmare where debt is the horseman chasing after many Americans. Does it count as the American dream when the pursuit of opportunity, prosperity, and success forces people to be enslaved by debt?

The reality that is debt in America

• Credit card debt

Americans have an insatiable appetite for spending money. Most Americans do not understand the philosophy of living within one's means; they subscribe to purchasing things that they want, even if those things are not a necessity. One can only stretch their purchasing power limits so far, especially when they are on a tight budget. However, Americans do not mind stretching this limit just a little bit further thanks to the almighty credit card. Consumerism is thus the force that has pushed people deeper into debt.

According to debt.org, the total credit card debt in the U.S reached $1.08-trillion in the third quarter of 2019. It accounted for 26.2% of the national debt at the time. Interestingly, the rise in credit card debt over the past decade is largely attributed to the Bankruptcy Protection Act's introduction in 2005. It made it more difficult for people to file for bankruptcy as a scapegoat and so people started to look for alternative means of making ends meet, and the trend was further exasperated by the fact that credit cards are extremely accessible.

Credit cards are so common today that over 189 million Americans own one. The average credit card holder in the U.S has at least four active credit cards. Although credit cards are supposed to help people meet their budget deficits, most people use them for non-essential purchases, so they end up plunging deeper into debt.

**• Student loans
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Student loan debts are the next major type of debt held by many Americans. To put it to perspective, the total student debt owed in the U.S jumped from $73-billion in Q2 2018 to $1.48-trillion in Q2 2019. The cost of higher education has also been on the rise over the past few decades, thus forcing more students to take up student debt just so that they can have a chance at securing a decent job and earning a good living. Once they secure jobs, people end up diverting a sizable chunk of their income to pay off debt. This coupled with credit card debt, reduces the disposable income for many Americans.

*Image courtesy- Medium
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**• Mortgages
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Homeownership is one of the hallmarks of the American dream. Unfortunately, the majority of Americans do not earn enough to purchase a decent home on a cash basis, and so they go for the next available option to help them fulfill their homeownership dream. A mortgage is a huge loan, and so most people end up making repayments well into their senior years. Now, there is nothing wrong with having a mortgage. It depends on how you manage your loans. The total mortgage debt that U.S citizens owed by 2019 was $9.4-trillion, a huge increase from the $407-billion total mortgage debt owed in 2017.

**• Car loans
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It is no surprise that car loans contribute to a significant proportion of Americans' total debt. People need transport means to get them to and from work, and this is especially the case for young graduates who do not have enough cash to purchase a car. The total car debt in the U.S in the second quarter of 2019 was $1.3-trllion, which represents a huge leap from $59-billion in Q2 2018.

The U.S as a debtor nation

The increasingly high debt levels in the U.S not only affect the country at the individual level but also at the national level. The U.S happens to be a debtor nation, which means that the level of debt that the country owes to other nations is more than the amount of foreign investment that it receives. In other words, the country’s imports are higher than its exports, and so the balance of payment is not in its favor.

The U.S is currently the biggest debtor nation with more than half a trillion dollars in debt and over $61 billion in trade deficit. The main reason for this trade deficit is that the U.S consumes more than it can produce locally, and this is why the country imports a lot of products from other countries.

What happens when the debt is too much?

*Image courtesy- Impresa Modular
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Having too much debt, especially at the individual level, can be concerning. People with high debt levels are forced to dig deeper into their salaries to repay the loans. This leaves them with less money to live on. Taking up debt is a good way of making ends meet, such as when you want to buy a house, and in most cases having some debt is not necessarily a concern. The problem arises when the debt holder is no longer able to pay, and they are at risk of losing the property purchased through debt, such as a house or vehicle.

One would find themselves unable to pay a loan when they no longer have an income source or when their income source starts bringing in significantly less money than it used to. The coronavirus pandemic has resulted in the loss of jobs. Many of the people that have lost their jobs probably have mortgages, credit card debt, or even student debt. Mortgage holders might end up being foreclosed on if they can no longer make the mortgage repayments.

The risk for a country with excessive debt is that it might lead to larger interest payments. The inability to repay foreign debt may discourage foreign suppliers, and it might also hurt the demand for U.S Treasurys. This may subsequently lead to higher interest rates and thus causing slow economic growth.

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What is a Domain Name?

A domain name is your website name. A domain name is the address where Internet users can access your website. A domain name is used for finding and identifying computers on the Internet. Computers use IP addresses, which are a series of number. However, it is difficult for humans to remember strings of numbers. Because of this, domain names were developed and used to identify entities on the Internet rather than using IP addresses.

A domain name can be any combination of letters and numbers, and it can be used in combination of the various domain name extensions, such as .com, .net and more.

Why do I need a Domain Name?

I personally have been investing in domain names since 2007. In my eyes domain names represent digital real estate, where .com is king. Not only do these represent items that can appreciate a large amount in value (Typical sales yield me 2x-100x returns); They also can be monetized through Google Adsense, domain parking, or affiliate links to yield a recurring revenue stream.

The choice is yours but since I am fairly active in the crypto market I decided to snatch up some cool .crypto domains to use as my payment pointer again under the assumption above only a finite amount of these type of domains will exist. Plus they have no yearly renewal fees.

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We are all part of a single race.... The human race

We live in a dog-eat-dog world where people aim to get ahead and be on top. Everyone behaves like they’re in a race, that they must do everything in their power to succeed. In the process, they lose their righteousness, their loyalty, and their humanity.

Unfortunately, this has become a trend. It doesn’t matter who they hurt or what they leave behind. What matters is they achieve their goals. To them, the end justifies the means. Let me tell you why this mentality is dangerous.

Everyone encounters problems in life. No matter how rich, how famous, or how prestigious you are, there is frustration, anger, and downfalls. But because you left people behind, you are at loss. The people who can help you were distraught by your doings. Now, that you need their help, you are ignored. Who’s to say the wheel of fortune doesn’t turn on you? If this happens, it could lead to worse problems including stress which can lead to depression, anxiety, and other psychological disorders. With the mindset of getting ahead regardless of who you hurt and who you step on, you are winning the lap but not the race.

The only way you can win the race of life is together. No man can win the human race alone. Regardless if you’re with a team, a friend, or a family, it’s important to cherish their talents, their contributions, and their support. Instead of thinking only about your success, think about how you can succeed together. Not only will this help you achieve your dreams but also grants you happiness and contentment, which is the real essence of success.

With that said, you need to learn how to be more human so you can win the race and achieve your dreams. But how? Here are simple yet effective actions to shape your environment and make it conducive for your growth.

1. Don’t hold back compliments.

Do not underestimate the effects of complimenting other people. Not only does it help boost confidence but also helps prevent other psychological issues such as anxiety and depression. With a regular dose of compliments, you can help others flourish and prosper by motivating them and assuring them.

However, if you feel like they are on the wrong path, do not hesitate to correct them especially as a family member or as a friend. Criticisms should come from you rather than from strangers. This way, they are more comfortable to deliberate and you can talk to one another how both of you can improve.

2. Don’t hesitate to offer a lending hand

*Offering a helping hand doesn’t always mean giving money. Sometimes, help can come in the form of advertising, patronizing their products, or offering your services to your friends and family. Remember that a small pebble can cause a wave. A small act of kindness could be their break. And when they succeed, they would be more than willing to offer you the same.
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3. Say thank you

*Saying thank you is one of the best habits that people should learn. This is not limited to giving thanks to people who help you. It is being grateful for the things you have rather than focusing on the things you don’t.
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Do you know why meditation gurus suggest listing all the things you have and being thankful for them? It’s because of its psychological benefits. You will feel healthier emotionally because you are happier and more satisfied. You are less likely to compare yourself to others and you do are not easily swayed by your frustrations. This makes you twenty steps ahead to success.

Remember that the small things you have now are building you. Use these to your advantage. If you develop this kind of mindset, you hone your environment and attract positive energy that draws more blessings to you.

4. Be willing to apologize and forgive

*Your grievances to other people cause anxiety, depression, self-loathing, and stress. It hampers your way to build a stable future. You cannot move on and be fully happy if you have loose ends on your path. Apologize, if not, make up for your mistakes. Conversely, accept people’s apologies and talk to them. Not only will this help free you from negativity but also helps you build a long-lasting relationship with other people.
*

5. Stay humble

Humility makes a person go a long way. Many believe that success is the product of determination, intelligence, and hard work. While all of these are important characteristics, you are still grounded by your ability to be humble even in the smallest ways. If you get over-confident, there’s a chance you fail to think critically. You might make the wrong decisions because you think of yourself too highly. You think that nothing can go wrong.

With humility, you are calmer. You think more critically and you weigh the factors properly. With this mindset, you realize that you are achieving your dream out of passion not because of superficial rewards like money and fame. Trust me, if you make decisions out of loving what you do, you will do right by yourself and the people around you. Humility may be a simple concept but it boosts a person to achieve his dreams.

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The Perfect Storm For An Economic Collapse

It was no surprise that the U.S economy was overextended, and many analysts had issued warnings of an imminent collapse in the past few years. Some market experts expected an economic downturn to be triggered any time, but nobody knew just how soon it was going to happen. It all happened so fast, just like a storm and decimated the markets. The coronavirus pandemic is the storm that had been predicted, and its impact has been felt across the world.

Why it is called the perfect storm

Lets first look at how the idea of an economic occurrence described as the perfect storm came about. It comes from a real event which happened in 1991. Hurricane Grace collided with low-pressure winds from Canada while on its path along the east coast, and it was then that it resulted in strong winds and waves as tall as 80 feet in the Atlantic Ocean, destroying everything along its path. This is why the coronavirus has been likened to the perfect storm because it started off a localized area before spreading out. Its economic impact can be likened to the resulting destructive winds.

The coronavirus represents the type of economic shakeup that can send an economy spiraling into collapse. Previous financial and economic downturns have demonstrated that it is not the initial cause that does the most damage to an economy but rather the chain-reaction that occurs afterward. In this case, economic collapse might be fueled by the spiraling effects of COVID-19’s economic impact, such as the rise in unemployment levels.

So far, the rate of unemployment has hit record highs that it has not hit in decades. This threatens the economy's performance because the higher the unemployment rate, the fewer money people will have to spend. And when people are not spending, then businesses cannot make money, they cannot pay tax, and this sends the economy further down the rabbit hole of economic collapse.

How the economic collapse will affect individuals with loans

The main concern at the macro scale is that the economy will continue to deteriorate, and further negatives will likely arise if the economy continues to take a hit. Meanwhile, the largest concern at the individual level is that people will not have money to spend. Of course, it will become more difficult for people to keep up with their loan repayments when they do not have a source of income.

In case you happen to find yourself in such a situation where you are unable to pay a loan, consider other options such as renegotiating with your credit provider. If you have a federally backed mortgage, you likely applied for the mortgage forbearance program. The latter is a program that was launched to provide some relief to mortgage owners whose ability to make repayments has been severely affected by COVID19 and its economic impact.

Fortunately, a forbearance provision was launched as part of the CARES Act, which was launched by progress to pave the way for various relief programs. For example, it provides guidelines on federal unemployment insurance, the paycheck protection program, and even guidelines on how people can use their 401(k) to stay afloat.

Forbearance was provided as an option for people affected financially by the coronavirus pandemic, especially those with mortgages, but can no longer afford to repay their mortgage. The forbearance allowed people to pause on their mortgage repayments or some time. The first mortgage forbearance program was supposed to expire on June 30. However, the program was extended to August 31. This extension was aimed at giving individuals a sizable window of opportunities to get back on their feet. However, the COVID-19 pandemic is still spreading, and this raises further concerns about the way forward.

The lack of a cure or vaccine available in the market so far means that the ongoing level of unemployment might increase, especially if the country's government decides to shut down. In turn, this means that people might need more time to repay their loans upon the mortgage forbearance expiry on August 31.

Unemployment benefits expiry

U.S citizens had been receiving unemployment benefits through which those eligible would receive $600 weekly. However, these benefits were just the government's plan to ensure that the people would have more cash to spend, thus contributing to economic recovery. Now that the unemployment benefits have expired, the likelihood of a deeper impact on the government is becoming more pronounced.

A deeper or more pronounced economic downturn courtesy of low purchasing power is another concern for the government. This is because it tends to exasperate economic collapse leading to a poor economy characterized by a lack of purchasing power. Such a scenario would not only be bad for the economy but also for the U.S dollar. The currency has lately been facing a lot of pressure, especially due to the overextended economic growth in 2018 and 2019. These concerns have now turned into reality, and the U.S government is on high alert about the potential outcome.

The U.S government has been trying to stimulate the economy to facilitate the return of things to normalcy while also trying to help the dollar retain its value. A weak currency would be unattractive for the rest of the world, especially since gold is the global reserve currency. The ongoing market uncertainties and economic downturn will certainly place more pressure on the U.S dollar and potentially weaken the currency too much.

The U.S dollar’s global reserve currency status is one of the factors that contribute significantly to the U.S economic stability. Losing value risks losing the global reserve status, and thus the U.S economy would be more exposed to economic headwinds.

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Helping Others: The Only Secret To Happiness

*“Part of being a person is about helping others!”
*

This beautiful quote by Regis Murayi keeps inspiring me. It makes me think how helping others brings immense joy and happiness. And I’m saying this because I have experienced that content feeling.

Be it giving eatables to a needy person, helping a lady cross the road, or caring for a hurt animal, these small acts of kindness can make us happy.

The things we do regularly become our habit. So, positive habits should be encouraged as they make our lives better. The only thing while doing something is being confident and optimistic so that no one can judge or question your personality or your habit.

Many positive forms can develop a pleasant personality and make you happy. But have you ever thought of helping a person you don’t know and getting whole stock of blessings for you? Isn’t it amazing, does this not going to make you happier?

I believe that helping people in some of the other ways makes us happy. This not only makes little changes in the life of the person we have helped but also makes a big change to our lives. Some may ask you the reason behind helping others. But I think helping the needy should not require a single reason. We should do it without any expectations.

Be confident, optimistic, and always keep a positive attitude towards everything you do. Kindness towards someone is the purest form of help, which you can make your habit too. This is the only secret that may keep you happy always, but only when you help someone without expecting something in return.

Helping each other for humanity is the fundamental unit of happiness. According to history, those who help other fellows have great inspiring stories to tell. Other than showing kindness, there are some significant gestures of helping others like the police force, fire departments, servicemen, or women. In some of the other ways, they help each one of us in many essential times.

What I trust is that we should never bind our helping habit around these grand duties. It can be done every single day quickly. It’s not only a selfless activity to do, but helping others may also help you someday.

Here are some reasons which can prove that helping others helps you.

1. What Goes Around, Comes Around: *As we know, whenever we help someone he/she is thankful to us, even they also want to help us in some way. When we do something that helps another person, it will return to us in the future for sure.
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2. Positive Karma: *More often, karma is talked about in some negative ways like if we do bad to someone wrong will find you to hit you back. But it can be taken positively too. Do good to everybody, and you will see good things happening to you.
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3. You Feel Great Doing Good: *The first thing you get by helping others is a feeling to feel great. It makes you think good about yourself even after seeing someone smiling because of you or just the tears of joy can make you feel pleasure.
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4 Get a Good Reputation: *Have you ever noticed when you do something good to anybody that many people want to talk about? Whenever someone needs help, people will recommend your name to them. It makes you a well-known person who is always helpful towards others.
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5. Your Habit Will Never Be A Secret: You will be pleasured while telling someone about the kind acts you did. Others will also praise you. So never let it be a secret; disclose it everywhere by helping people anywhere you wish to. It will only make them do some good deeds on their own.

The act of helping other fellows will grow a much better personality in you. You can not only help others by doing something for them, but you can also motivate them in their life, stand with them at their bad times, and through many other ways you can help them and feel good.

We go through the stories of many great personalities just because we want our life to be like them. But remember, famous figures are the kindest ones. They have helped many people at their time; have done many charity acts not to gain anything, but just for the sake of happiness. Personalities of ancient times have helped a lot make our world a better place.

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A Look At The Economic Contraction In Q2 2020 And The Market Outlook For Q3 And Q4

The U.S government revealed in a recent economic report that the U.S economy contracted by 32.9% in the second quarter of 2020, indicating just how much damage the coronavirus pandemic has done to the economy. To put it to perspective, the last time the U.S economy shrunk by such a huge margin was during World War 2.

For the past few years, analysts have warned that economic expansion had reached extreme levels and that a contraction was imminent. Fast forward to 2020, and their predictions have become a reality. The Coronavirus outbreak triggered the economic downturn. Many businesses were shut down, and people were forced to stay at home as part of the restrictions implemented to contain the viral spread.

The U.S government's report on the economic contraction data comes when more businesses are contemplating shutting down their operations because they are struggling too much to stay afloat. This is because the viral outbreak is still ongoing, and full de-restriction is yet to be achieved. Many people are still staying at home; people are not spending as much because they are saving to cope better with not having an income stream. Businesses shutting down means that people are losing their jobs, as was the case in March, April, and May.

The unemployment rate is currently going up at record-high rates. More than 1.4 million Americans filed for unemployment in the second last week of July alone. The recent second closure of many businesses in June led to an increase in unemployment by almost 15%. Going by the latest economic performance data, the U.S government estimates that the country’s GDP in Q2 will be the sharpest drop that has been experienced since 1947. The previously worst GDP drop took place in 1958, and it went down by 10%.

Any upcoming economic data will likely not be pleasing

The recent data regarding economic contraction combined with the worrying unemployment data are strong indicators of weak economic performance, at least in the short-term. Even the U.S President Donald Trump suggested soon after the economic contraction data that the Presidential elections set for November 3 should be delayed.

Economists are also concerned about the state of the economy moving forward, especially after the huge economic decline in Q2. Their attention has now shifted towards Q3 performance, especially because they anticipate a sharp bounce back in Q3. Upcoming economic data might not be pleasing, but the economy might experience a bounce back as the economy attempts to recover from the historic lows. However, despite the expectations of some recovery, the underlying issue still remains.

The viral threat is still active, and the infection rate has been on the rise. This means that any minor economic improvements in Q3 might still be subdued by any potential lockdown measures that might be implemented again to try and prevent the rapid spread of the coronavirus. The rapid infection rate creates a high likelihood of new lockdown measures, which means that businesses would take yet another hit. This explains why some businesses have already started shutting down. Q3 will still help determine how the rest of the year will be, particularly determining the pace for the fourth quarter.

For example, another lockdown in Q3 may lead to a further decline in economic performance as businesses become crippled by the hardships. It may thus affect the ability of many businesses to deliver in Q4. However, if things turn out in Q3 and business performance is favorable, then the economy should technically enjoy more recovery in Q4. This is because many people save up throughout the year to purchase products in Q4 during the holidays.

Many people hold off sizable purchases to buy at discounted prices on Black Friday and Cyber Monday. Holiday purchases are great for the U.S retail market, one of the major contributors to economic growth. Interestingly, the retail segment is mainly driven by private businesses and corporations. So the level of economic recovery in the remaining part of 2020 is mainly hinged on whether there will be any restrictions and how businesses will strive to succeed.

Favorable government decisions will strengthen the potential business upside in Q3 while setting the pace for an even stronger recovery in Q4, thus a strong bounce back. On the other hand, if the government makes decisions that will not favor business performance in Q3, businesses will make less progress in Q4 and thus a slower bounce back.

Global economic outlook

The U.S is not the only economy that experienced the economic downturn in Q2 2020. The coronavirus pandemic's economic impact is global. The pandemic spread to almost every country by March-end; this prompted governments across the world to take quick action to arrest the spread and flatten the curve. Fast forward months later, and almost every country has experienced a significant economic downturn due to the coronavirus restrictions and lockdown measures.

Germany, which is the biggest economy in Europe, experienced a huge economic downturn. The German economy shrunk by 10.1% in Q2 2020, marking the largest decline that it has experienced since 1970. The news about the economic contraction in Germany also caused a huge selloff in the market, thus causing a bigger impact.

Why the markets are poised for a strong comeback if the COVID0-19 situation is handled

The COVID-19 restrictions mean that people are forced to stay at home and work from home. People can work from home, but most businesses that are shutting down due to the difficulty of operations and the lack of demand means that more people are losing their jobs. At this point, a working vaccine or cure would be the best news for the markets. Businesses would be able to resume operations, which means that job opportunities would be plentiful quickly.

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