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20.06.2015
We all want to feel confident, we know what benefits it brings, but how do you become confident if you’re currently not? On the other hand, shyness and lack of self-confidence can seriously sabotage your efforts and stop you from getting what you want (and what you deserve). To feel more self-confident, you can use positive affirmation – positive statements that are meant to reprogram your mind to seeing yourself in a better light. You can write the positive statements on a piece of paper and put it somewhere where you will always see it (stick it on a wall or on a fridge), you can also write your affirmation on a mirror. When people act in a self-confident way towards others, they actually feel more self-confident themselves. Smart outfit is an international symbol of status, so no matter in which country you are, you can always wear it.
Things such as suits, shirts, nice shoes, accessories, gadgets – they all add to our confidence. Lack of self confidence manifests itself in such a body language. A way to build confidence is to adopt a body language of somebody who does feel confident. Often our lack of self-confidence comes from the fact that we don’t feel good in our skin. If you keep focusing on your shortcomings, sooner or later you will lose much of your confidence After all, if there are so many things you’re bad at, and so many mistakes you’ve made, then where is that confidence going to come from? Rather than thinking of what you’re bad at and working on that, embrace your strengths. In many cultures (including mine), it’s not very polite to simply accept a compliment.
Perfectionists usually have lower self-esteem, because they criticise themselves all the time. No matter where you are now, I can guarantee you that you’ve achieved much more than you think. We tend to look in the future and always compare ourselves to that better version of ourselves we’d like to be. There is another technique to strengthen belief in our potential to achieve successes – and this is by adding small goals.
Fill your life with smaller successes and in return they will make you feel like a successful person. And if you liked this article – go ahead and like it, tweet it and share it with your friends. Every individual has a different outlook on what self-confidence means, how to get it, and how to maintain it.
Melissa Carver specializes in Metaphysics, guiding her clients through the art of manifestation with one-on-one webinars and in-person sessions. Kindergarten to College has achieved its goal of reaching all elementary schools in the San Francisco Unified School District. This year, Citi Microfinance and the Citi Foundation partnered to drive a discussion on agricultural value chain finance through a panel titled "From Farm to Plate" (check out this blog post for one attendee's take). Citi Community Development was proud to support the 38th Annual Lunar New Year Banquet of its long-time community partner, Asian Americans for Equality (AAFE.) Citi Foundation has supported the work of AAFE's affiliate, Renaissance Economic Development Corporation, a CDFI and technical assistance provider focused on low-income, minority and women-owned businesses in low-income immigrant neighborhoods. CurrenC SF is a partnership between the San Francisco Office of Financial Empowerment, the San Francisco Chamber of Commerce, and the United Way of the Bay Area, with generous support from Citi Community Development, Visa and the Levi Strauss Foundation. For employers, moving to direct deposit and paperless pay can lower payroll processing costs by up to 90 percent, and eliminates the headache of lost and stolen checks. CurrenC SF is an extension of the City's pioneering program Bank on San Francisco, which has provided over 72,000 bank accounts to low-income San Franciscans and spread to more than 100 cities across the country. More than 67,000 households in San Francisco are paid with paper checks, including 68 percent of low-income workers. Several CurrenC SF Employer Champions including Recology, Blue Shield of California, William Watlington Foods, Walgreens, Rickshaw Bagworks, Bi-Rite Market and Goodwill Industries were recognized for their leadership in financial empowerment efforts and participated in the launch. The CurrenC SF website provides resources to help employers initiate or expand direct deposit in their organizations. As Black History Month draws to a close, I am mindful of how fortunate I am to work for two organizations that are strongly committed to the twin, complementary goals of diversity and empowerment. Similarly, New York City Mission Society, for which I am Chair of the Board of Directors, promotes the positive development of underserved young people and families in order to strengthen communities and, as a consequence, our city's diversity. As it turns out, both Citi and New York City Mission Society are celebrating 200 years of service in 2012. Citi's commitment to diversity spans the organization a€” particularly through the activities of Citi's Employee Networks a€” and the calendar, with events and activities highlighting the months that have been formally designated to celebrate the culture, history and contributions of various communities.
Across the country, Citi's African Heritage Networks (AHN) provide a wide range of educational, cultural and fellowship-building opportunities during African American History Month.
Ellen Stafford, who has been with Citi in Irving, Texas for a little over four years, got involved with the Dallas-Fort Worth AHN as Communications Chair this year.
As Executive Recruiter for North America, Ellen is very aware that Citi provides an even playing field on which qualified applicants, both within and outside Citi, can compete. Ellen is shifting her recruiting focus from IT to sustaining Citi's overall culture of diversity. More broadly, Ellen would like to see an increase in positive, healthy messages in popular culture, particularly for children, and a continued and strong policy focus on education. Annette Griffin of Baltimore agrees about the importance of education and how helpful it can be to have a mentor, as she did. Annette is a Senior HR Generalist and supports employees in Maryland, Virginia, West Virginia, Ohio and Pennsylvania. In Columbus, Ohio, Jenine Johnson of Securities Processing notes that Citi has had a major impact on diversity in her metropolitan area, thanks in particular to the leadership of the Columbus Office Director Mark Bjorstrom. Jenine has taken an active role herself in expanding diversity, including introducing Citi's African Heritage Network in Columbus. Jenine strongly values African American History Month and all the diversity months that Citi celebrates. Willie Henry Jr., of Citi's Graduate Recruitment Team in Jacksonville, Florida, is co-chair of the AHN there. Willie draws inspiration from football legend Jerry Rice a€” "who showed that, with the right tools and hard work, you can compete with anyone even without traditional stamps of status" a€” and from his own brother-in-law, who moved up the ranks at one of the country's largest retailers. On July 17, 2009, a national consortium of non-profit affordable housing developers submitted an application to the U.S. CPLC has organized this coalition in partnership with National Association for Latino Community Asset Builders (NALCAB). Listen to Jason Ott's experiences with the San Miguel Cristo Rey Corporate Internship Program.
Citi volunteers will contribute about 150 service hours at local VITA sites this tax season. Volunteers also will be out in force at Tucson's 2011 Money Faire on April 2 to help the United Way of Tuscon and Southern Arizona's mobile VITA team prepare tax returns for free. Citi has partnered with United Way of Tucson and Southern Arizona to transform and expand a successful, six-year financial education program called Citi Youth into a dynamic and holistic family financial capability center, called the Prosperity Center. Imagine teaching a young person about how to find available college scholarships and then helping his parents complete the standard financial education application form. With the Prosperity Center, Citi has partnered with United Way (UW) of Tucson and Southern Arizona to transform and expand a successful, six-year financial education program called Citi Youth into a dynamic and holistic family financial capability center.
The Prosperity Center offers financial education classes from 3-6pm, when students typically participate in after-school programs, and will remain open until at least 7pm so that adults (including those who don't have children at the host school) also can participate in workshops and avail themselves of the Center's other asset-building services. The Citi Youth financial education program, now in its sixth year, teaches basic financial concepts to youth aged 5-16 and also offers "train-the-trainer" sessions for financial education teachers.
Citi Community Development has partnered with the USC-operated MBDA Business Center in Los Angeles, the City of Los Angeles Mayor's Office of Economic & Business Policy, the Southern California Minority Business Development Council, SBA SCORE, and three ethnic minority chambers to launch the Bridges to Business Success (B2BS) Program to provide an advanced business training program focused on building the capacity of minority small business owners in Southern California. With a lending commitment of more than $100 million, Citi is helping to revitalize the Bayview district of San Francisco. AnewAmerica Community Corporation's Green Business Certificate program" part of its comprehensive, three-year Virtual Business Incubator model" educates and encourages budding, low-income entrepreneurs to adopt green, sustainable business practices. Since the Green Business Certificate program began in 2008, 270 people have received intensive training in green business practices and 80 have achieved green business certification. In California's Central Valley, Citi has invested more than $28,000 to support four EITC sites.
In 2010, with Citi's support, local VITA sites helped bring over $14.9 million in tax refunds back to more than 11,000 low- and moderate-income clients and their local communities.
The Citi Foundation supports the Financial Literacy and Asset Development Program, a ten-week course that teaches concepts and skills for saving money, using credit and practicing sound money management. Participants spend twenty hours in classroom sessions and receive individualized guidance in creating personalized money management plans and analyzing their credit scores with the goal of repairing damaged credit. In California, Cabrillo Economic Development Corporation is making affordable housing available and sustainable.
In 2009, the Citi Foundation provided a grant to Cal State University Northridge (CSUN) Student Outreach and Recruitment Services to support its College Can Happen Initiative (CCHI), a strategic and comprehensive program to improve enrollment at the university.


CCHI provides information and encouragement to middle and high school students and their parents, in low to moderate-income (LMI) communities in San Fernando Valley and Los Angeles, to help them prepare for entrance into a four-year college. Many of the students reached by CCHI would be first-generation college students, and the program aims to foster a college-going culture. As part of the CCHI program, Citi volunteers have taught financial education workshops at CSUN on how to manage finances on a student budget, credit, savings and investing. Citi is working with Self-Help to expand financial inclusion for thousands of Californians. A supportive and welcoming environment, achieved through staff preparation and branch design. Additionally, through financial education that is provided, innovatively, to customers waiting in line, the Micro Branch encourages individuals who use only its check cashing services to expand their relationship by becoming savings account holders and credit union members. To enable replication of the Micro Branch model, the CCD grant also supports analysis of the operating model and customer outcomes.
Jose came regularly to the Micro Branch, every Friday, to cash his check and send money to his family. Read the latest announcement from the City and County of San Francisco about the Kindergarten to College program. Kindergarten to College is an easy-to-use savings platform that will help more families start saving earlier for college. The program will continue to motivate college savings through additional matches and incentives.
An important part of the Kindergarten to College program is its financial education component. In a recent USA Today supplement on Financial Literacy, Citi's collaboration with the City and County of San Francisco is featured prominently in the article "Milk money, crayons, bank account," and Bob Annibale, Global Director of Citi Microfinance and Community Development, is among the Panel of Experts weighing in on Youth Financial Literacy. On October 5, 2010, the City and County of San Francisco and Citi announced the launch of the Kindergarten to College partnership, the nation's first city-wide, universal college savings program for children. Citi's commitment and success in developing innovative, collaborative and impactful solutions to critical community needs was recognized on November 8, 2011, when Citi Community Development received the Community Impact Award at the 15th Annual CRA & Fair Lending Colloquium. Jenny Flores, Senior Vice President for Citi Community Development in California, receives the Community Impact Award on behalf of Citi from Edward B. The Community Impact Award is bestowed each year "to dedicated compliance professionals and their institutions," to honor "outstanding and innovative efforts in furtherance of the goals of the Community Reinvestment Act." The Award also is intended to encourage innovative community lending and to provide the financial industry with examples of superb programs that have made a large impact on underserved communities. K2C was developed with participation across Citi's businesses and with leadership by Citi Microfinance and Citi Community Development.
The award was accepted on behalf of Citi by Jenny Flores, Senior Vice President for Citi Community Development in California. Citi is a longtime supporter of the FRC's Family Economic Success Program, which includes free tax preparation services for low-income individuals and families through VITA. In Oakland, California, the East Bay Asian Local Development Corporation (EBALDC) is ensuring that students in elementary school learn good money management habits. Students who complete the program are provided with a popular board game that involves purchasing and money management issues or a $50 savings bond that's intended to jump-start their good savings habits.
Citi Community Development is providing a $150,000 grant to enable Enterprise Community Partners and Waypoint Homes to provide a financial capability program coupled with the purchase, renovation and rental of "real estate owned" (REO) properties. Meet the participants in Bridges to Business Success, a pioneering, multi-stakeholder program that enables the City of Los Angeles to leverage its allocation from the Federal Neighborhood Stabilization Program to provide contracting opportunities to local, minority-owned small businesses. Entrepreneurs in the food service industry face sizeable start-up and operational costs, among other challenges.
The Chef's Center of California is run by the Episcopal Housing Alliance and Economic Development (EHAED), which also provides business training courses for aspiring chefs and food entrepreneurs.
Part of the facility, the Citi Small Business Technology Center, offers training and technical assistance to incubator participants. A variety of food-related business have been launched through the Chef's Center, including popular food trucks, gourmet bakeries, farmers market vendors and restaurants. Victor Ramirez of Citi Community Development serves as vice-chair of the Center's Board of Directors. Microloans that enable people to start small businesses and lift themselves out of poverty have proven their effectiveness in developing countries. The program makes loans of $250, $500 and $1000 to women with very low incomes to empower them to start small businesses in their communities.
With Citi's support, FFW has been able to expand its impact by opening new loan centers in the poorest communities of San Diego County. The program benefits primarily Latin American and African immigrant women, specifically those who have no banking or credit history and lack access to capital.
It helps you perform better, get noticed and appreciated for your work, it gets you a promotion and a raise. You can write down your own mantra and repeat it to yourself every morning (or every evening before going to bed).
There is always that one guys, the loudest of all, very self-confident, maybe sometimes arrogant, who doesn’t care much about what others think. You give others the signal that you are one of the most important people and so they treat you accordingly. If you don’t notice successes in your life, your self-confidence is likely to be low. How can you believe you are a successful person? We rarely look in the past and see who we used to be few years ago, and compare it to who we are.
Think about what scrolls across your mind when you hear the words.I have been a confident person most of my life but as I write this, I reflect upon a time in my life when I was not. Melissa is also a graduate of the Chopra Center University, completing her certification in the Perfect Health: Ayurvedic Lifestyle program. Before he was a second-grade teacher, he worked at a public relations firm in New York City. The Skoll World Forum, viewed by many as the social impact sector's version of the World Economic Forum meetings in Davos, Switzerland, brought together 900 highly-selected attendees from leading organizations to explore new ways for civil society, often in partnership with business and government, to address global challenges like financial inclusion. Bob Annibale, Global Director of Citi Microfinance and Community Development, led a conversation with representatives from Nestle, Green Mountain Coffee Roasters, the Bill and Melinda Gates Foundation, and Root Capital (a Citi Foundation grantee) about how to bring additional value to smallholder farmers that grow staples like coffee and cocoa that many multinational buyers in turn sell to consumers.
Employees who receive paper checks often turn to check cashers and other fringe financial services, costing the average worker $1,000 per year in fees. The CurrenC SF website offers how-to guides, marketing materials, best practices, and expert advice to employers, and connects employees to low-cost checking accounts and other healthy financial products. Department of Housing and Urban Development in response to the Neighborhood Stabilization Program Round II (NSP II) Notice of Funding Availability released on May 4, 2009. The Prosperity Center is strategically located in a local middle school for convenient access by low- and moderate-income families and offers a wide range of free financial education workshops and services, including Earned Income Tax Credit (EITC) knowledge and free tax preparation that translates into recovered earnings and increased assets.
This program targets communities of people who often are underbanked or unfamiliar with available financial services, including immigrants from Southeast Asia who live in the Sacramento area. Learn about their impact in the community and meet someone who has a decent, affordable place to live thanks to Cabrillo.
In December, after being a customer for eight months, he declared he was ready to open an account.
E-FILE web-based program developed by the Legal Aid Society of Orange County to help people file their taxes at no charge. Kramer, Executive Vice President for Regulatory Programs at Wolters Kluwer Financial Services. Kramer, Executive VP for Regulatory Programs at Wolters Kluwer Financial Services (sixth from right). A Citi Foundation grant supports FRCs free volunteer income tax assistance (VITA) program, which helps low-and moderate-income (LMI) individuals and families claim the Earned Income Tax Credit (EITC), enabling them to save up to $360 by avoiding costly commercial tax services.
Citi employees will donate their time through the entire tax season, providing onsite banking services at VITA sites in the Bay Area including at the FRC to help low-income families.
Citi also has supported FRC's offering of Money$mart, a 10-module financial education program created by the FDIC, as well as financial counseling and coaching.
Through its Money Savvy Youth program, which is supported by Citi, EBALDC teaches financial education to fourth and fifth graders in the Oakland public school district. With Citi's help, EBALDC was able to expand its Money Savvy Youth Program in 2011 to serve 20 out of 60 public schools in Oakland, reaching 750 students a€” almost double the number from the year before.
Minority-owned businesses are extremely effective at driving economic growth and and the 'Bridges' program will create more than 200 jobs by the end of 2012. The Center offers a ten-week series of small business seminars, taught by Citi volunteers, on entrepreneurial skills including developing a business plan, strategic marketing, product presentation, food-handling requirements, licenses and certification requirements.
To date, 107 businesses have utilized Chef Center's community kitchen and their business training programs. You look into the future where your perfect self has tons of money, happy family and a beautiful home.
With a dramatically growing demand for sustainable and certified products (fair trade, organic, etc.), multinationals such as Nestle are developing shared value approaches to their sourcing and supply chain to ensure a higher quality and quantity with greater consistency. CurrenC SF empowers San Francisco's businesses and workers by helping them adopt modern, innovative payroll solutions.


In addition, the San Francisco Office of Financial Empowerment has worked with payroll companies, payroll card providers, banks, and other financial institutions to develop a list of healthy alternatives for businesses to consider when moving to direct deposit.
Citi volunteers will participate as financial education teachers, tax preparation guides and mentors for the students. Since its inception, the Financial Literacy and Asset Development Program has helped hundreds of individuals to understand the financial services available to them and to acquire the knowledge needed to build assets. He had heard the tellers talk about the accounts for months, but needed time to build his trust.
Since 2004, more than 14,000 filers have taken advantage of this program, resulting in the return of more than $21 million in federal refunds, including $12 million through the EITC. In addition, Citi has provided Individual Development Accounts (IDAs), which are matched saving accounts, through FRC.
As an added benefit, the participating small businesses will renovate foreclosed properties and increase the supply of affordable housing. The following 12 ways to do so will work best if applied all together and consistently over time. The more you do something, the more you say something, the more you’ll believe in it. Once put in a situation where there are no alternatives, it’s crazy how fast we adapt. Then you look back at now and get depressed and you start feeling like a failure for being so far from your dreams. With a thick mohawk and a mischievous glimmer in his dark eyes, he seems like the kind of kid who would be unfazed by public speaking.
The goal of this initiative is to achieve a fully electronic, paperless payday, helping to bring thousands of San Francisco households into the financial mainstream and reducing reliance on high-cost check cashing services. Motivated by a desire to build his savings so that he could return home to visit his family, he decided that a 'My Piggy Bank' account would work well for him. Households that earned less than $49,000 in 2010 are eligible for free tax preparation at VITA sites. This unique public-private collaboration, designed and supported by Citi Community Development, provides a blueprint for other local governments to put minority-owned small businesses at the center of neighborhood revitalization. After the courses, many of the students took the next steps in starting food service enterprises, and many have continued to use Chef's Center's kitchen services.
And though you know that you’ll need time and energy to create this new habit, the good news is that you can do. What I’ve learned is that self-confidence is the most important asset to a happy, fulfilling life, and I want to help guide you inward to building and maintaining yours.Your Higher Self Some people shy away from a spiritual practice simply because of the label.
Maybe you don’t consider yourself a spiritual person, or you don’t believe it has any benefit in your daily struggles or responsibilities. He casually mentioned that he had thought about buying a house one day but knew it would be difficult since he did not have any credit history. The teller described our 'My Fresh Start' loan, a product she was very familiar with since she had recently completed her own loan. The problem is that when you have a person on the receiving end, and you throw out your doubts, fears, worries, prayers, and complaints to the world, humans pick up on those words and vibrations and begin to label you as those things.When you incorporate a meditation practice into your life, you begin to understand that there’s another sounding board—one that’s listening to you and speaking back.
She mentioned the benefits of the loan: in addition to building credit history it is structured so the member amasses $500 in savings when the loan is paid off.
It is your higher self—the spirit version of you who sees and observes all that you call life. In the span of 12 months, Jose went from being a repeat check-cashing client to an account-holder with a 'My Piggy Bank' account and, now, a borrower. Your higher self has all the answers because from his or her point of view there are no limits, no doubts, and no expectations, only love, timelessness, and perfection.The only way to tap into the wisdom of your higher self is to meditate. Whaley recalls how at the beginning of the year, when called upon to read, Chris would excuse himself to go to the bathroom. Through meditation you receive answers, the right answers that will help build self-confidence.Your higher self is waiting for you to tap into its potential. Many of us who have been ESL students know what it's like to get pulled out of class in front of everyone, so you can learn to master the verbs and retrain your tongue to twist differently from what your parents taught you. Gaining these answers from within will shine through your physical self, and radiate through to your interactions with others. As a result, a genuine confidence from spirit shines through.Tune Your Chakras There are seven main energy centers, or chakras, that run vertically up your spine and have the ability to empower you. Impeccably dressed, with a gravelly Long Island accent that turns one vowel into many, Whaley does not look like the kind of guy that dabbles in magic markers. This helps you to adapt to whatever life throws at you without the unstable feeling that comes when this chakra is blocked. Before he was a second-grade teacher, he worked at a public relations company in New York City. He says he started thinking about doing something else while riding to and from work on the Long Island Rail Road.
If you love and have found peace through your higher self, the thoughts and words of others have much less (if any) impact on your personal confidence scale. You may feel as though you’ve communicated your needs and feelings very clearly while the other party involved may not have any concept of your words. In addition, Whaley has found time to write a novel called Leaving Montana, and he's starting to write children's books. This chakra sees beyond sight, giving you a clearer view than your physical eyes ever could.
He tells me he got the idea when he asked the children one day to raise their hands if they thought they could never be a U.S.
Do you remember a time when nothing seemed impossible and you believed you could do or be anything? They'd say things like, " 'I can't run for president because my parents are from a different country.' That was a biggie.
Do you also remember when this started to change?Most likely, things changed for you when someone you cared about made a statement that shattered your ambition. They were only speaking from their experiences and subconscious mind, without any intention of stealing your confidence, yet the impact on you was profound.We are not placed on this Earth to lay our abilities into another’s hands. If that person decided tomorrow that you’re not as great as they believed, does that make you less great? He's constantly on the phone, constantly emailing parents." It's not an easy job, juggling native speakers' needs with those of the ESL students. He tells me he often finds himself wishing they'd taught him to speak Italian, so he could be bilingual, like many of his students. And for children learning English in American schools, it can be especially hard - new grammar rules, awkward pronunciation, and your parents may not be able to help.
JASMINE GARSD, BYLINE: It's election season here in second grade, and tensions are running high.
CHRIS PALAEZ: I'm here to tell you today why you should vote for me, Chris Palaez, to be the next president. And he would start to read it, and then he would stop and say, I need to go to the bathroom. WHALEY: It takes a lot for any student, especially a student who's learning English as their new language, to feel confident enough to say, I don't know, but I want to know. WHALEY: I, you know, would talk with the people on the train at 6 o'clock in the morning and at 8 o'clock at night on the way home. They were people who had a complete disconnect on the young people in our world because they were all so focused on the rat race. WHALEY: Raise your hand if you think that you could never be the president of the United States. WHALEY: Almost every single child who is an English language learner believed that they couldn't be.
Bragging about yourself and your best qualities is very difficult for a child who came into the classroom not feeling any confidence whatsoever to read three or four words.
ROBERT EPSTEIN: There's a sense of community in his classroom that's really unsurpassed, and they will take risks as a result. GARSD: It's not an easy job juggling native speakers' needs with those of the ESL students.
WHALEY: Last but not least, immigrants - now, this is a very important word because we've been learning about our ancestors. They were all this word - immigrants, someone who comes from a different country to a new country.



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