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Tag: Ask a Career Coach

  • Hina Khan on how to escape habits that get in the way of success – MoneySense

    Hina Khan on how to escape habits that get in the way of success – MoneySense

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    Who are your money heroes?

    My money hero is my dear friend Bob Proctor. I met him in 2014, and—because we lived in the same city—we became friends. He became one of my greatest mentors. The celebrated self-help author and lecturer, who had only one month of high-school education, taught me so much about money. I understood what money truly is, the law of compensation and so much more. 

    The law of compensation has three parts: the need for what you do, your ability to do it and the difficulty there is in replacing you. The part that an individual needs to focus on is the second part: your ability to do it, and getting better at what you do. This is why I tell people it is important to get your reps in. I am forever learning and growing and getting more effective at what I do.

    How do you like to spend your free time? 

    I have changed my relationship to time and I don’t think of having “free time.” I think in terms of activities and being present. For example, I love writing on the weekend. Some may look at that and say I should not be working on the weekend. But for me, it doesn’t feel like that. It is simply time. We all get the same amount, and it can’t be managed. We can manage our activities, and that is what I focus on. I have a lot of space in my calendar that might be considered free time but I don’t look at it that way. So, I have no need to fill it.

    Perhaps it is like this: All of my time is free time. I have the freedom to choose how I will spend the time.

    If money were no object, what would you be doing right now?

    I am so grateful to say I would be doing exactly what I am doing now. Every week, Monday to Friday, I run The Rise calls. These calls are from 6 a.m. to 7 a.m. EST. We start with writing our goal and then some teaching. These calls create a peak state for my clients, which they then carry with them throughout the day.

    When I talk about a peak state, I mean they are connected to their goal and what they want to create. It is not about working hard; it is the opposite. They are focused to they can create their day based on the clarity of their goal and it fuels them for the day. They have order in their mind. They are not starting the day in a reactive state.

    I often say my clients get more done by 10 a.m. than most people do in an eight-hour day. When you control your mornings, you control your day. And that is one of the reasons our clients are incredibly successful. Regardless of my finances, I would be setting my alarm to do these calls.

    What was your first memory about money?

    This is such a great question. I think my early memories around money were that it caused tension. It was a source of conflict in our home. I think that created a belief that money was not good, that it led to conflict, that it created complications and could damage relationships. The impact that had was in my revenue. Raising prices and receiving money used to be difficult for me. And that is not a great thing when you are an entrepreneur.

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    MoneySense Editors

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  • Grant money for school: How to get the funds to develop your skills—and advance your career – MoneySense

    Grant money for school: How to get the funds to develop your skills—and advance your career – MoneySense

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    Ontario grant programs

    Here is a sampling of grant programs in Ontario. Not living here? Check out your provincial or territorial government employment website for similar programs: British Columbia, Alberta, Saskatchewan, Manitoba, Quebec, New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador, Yukon, Northwest Territories and Nunavut.

    Better Jobs Ontario

    Better Jobs Ontario, formerly known as Second Career, is focused on supporting Ontarians taking courses that last no more than a year, including microcredential courses. It’s aimed at those who have been laid off or who have been unemployed for six months or longer, but recently it was expanded to serve gig workers, youth and people on social assistance. For instance, you can also apply if you receive unemployment insurance or if you receive assistance through Ontario Works or the Ontario Disability Support Program.

    The $28,000 available through Better Jobs Ontario can go a long way toward tuition, books and other course materials. To qualify, applicants must have been laid-off, and they are not working or working a temporary job to cover expenses. People who have not been laid-off but who have been unemployed for six months or longer and belong to a low-income household may also qualify. 

    Ontario Learn and Stay Grant

    Launched in 2023, the Ontario Learn and Stay Grant program was designed to provide full, upfront tuition for those living in communities across the province who are studying practical nursing, paramedical training and medical lab tech skills, for example. Applications for 2024 will open this spring. Already in school? You can still apply after you’ve started a course, as long as you do so 60 days before you finish your studies with an approved institution.

    The government is providing $61 billion in funding to be divided among all applicants between now and Spring 2026. The key stipulation here is that you must agree to stay and work within what the province defines as an underserved community after graduation. Grey Bruce and Simcoe counties, for instance, have described the Ontario Stay and Learn Grant as a way to address the many health-care jobs it will have to fill over the next decade.

    Ontario Graduate Scholarship 

    The Ontario Graduate Scholarship Program (OGS) is similar to the Canada Graduate Scholarship, but is offered at the provincial level. OGS is a merit-based scholarship that assesses applicants based on the ranking criteria of the school you’ve been accepted to attend. In other words, participating schools, which include Queen’s University, Western University, the University of Toronto and the University of Waterloo, and others, will determine who receives scholarships. 

    The scholarship amount awarded is based on the number of consecutive terms you’ll be enrolled up to a maximum of six consecutive terms. Up to $10,000 is available for two consecutive study terms or $15,000 for three consecutive study terms. Check for other equivalents to OGS in B.C., Alberta and other provinces. 

    Corporate and non-profit funding for school

    If you’ve exhausted government funding options or want to go that extra mile to secure dollars you can invest in your education, then there are plenty of corporate scholarships worth considering. The RBC Future Launch scholarship offers $1,500 to those aged 15 to 29 who are taking short-term courses, workshops or certification programs. And BMO Funding Futures Scholarships is a four-year, renewable scholarship that has recently focused on Black Canadians and provided $500,000 to 150 students.

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    Robert Furtado

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