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</o:shapelayout></xml><![endif]--></head><body lang=EN-ZW link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif'><a href="http://www.nedbank.co.zw/"><span style='color:windowtext;mso-fareast-language:EN-ZW;text-decoration:none'><img border=0 width=1111 height=257 id="_x0000_i1025" src="cid:image005.jpg@01D5C765.187AE830"></span></a><o:p></o:p></span></p><p class=MsoNormal style='vertical-align:middle'><span style='font-family:"Verdana",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal style='vertical-align:middle'><span style='font-family:"Verdana",sans-serif;color:#1F497D;letter-spacing:-.25pt'><o:p> </o:p></span></p><div style='mso-element:para-border-div;border:none;border-bottom:solid #E8E9EA 1.0pt;padding:0cm 0cm 11.0pt 0cm;margin-left:-18.0pt;margin-right:0cm'><p class=MsoNormal style='margin-left:18.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo1;border:none;padding:0cm'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><strong><span style='font-family:"Verdana",sans-serif'>Tara McMullin is the creator of Quiet Power StrategyTM and the host of the podcast What Works. </span></strong><b><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></b></p><p class=MsoNormal style='margin-left:18.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo1;border:none;padding:0cm'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><strong><span style='font-family:"Verdana",sans-serif'>After she was turned down from a raise just days before giving birth, she decided she want to quit her job </span></strong><b><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></b></p><p class=MsoNormal style='margin-left:18.0pt;text-indent:-18.0pt;mso-list:l0 level1 lfo1;border:none;padding:0cm'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><strong><span style='font-family:"Verdana",sans-serif'>Today, she owns a business training company and has self-published four books. Her company makes over 17x what she used to make in a year working at the bookstore.</span></strong><b><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></b></p></div><p><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>I told myself, "If other women can figure out how to make money working from home, then surely I can, too."<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>It was the summer of 2008. Two days before this realization, I received a phone call that made my blood boil. Just days before giving birth to a tiny baby girl, I was told someone else got the promotion and raise at the bookstore I'd managed for five years.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>When my fury subsided, I sat down at the kitchen table and started making a plan to earn money on the side while I was busy learning how to be a mom. My goal was to add a few hundred dollars to the family accounts each month working from home.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>After all, I had just decided to quit a job that was paying $28,000 per year where I worked 50-hour weeks, managed 40 employees, and oversaw $5 million in annual sales. My expectations were not high.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Today, I own a business training company, have self-published four books, and I speak globally on entrepreneurship and marketing. My company generates over 17x what I used to make in a year working at the bookstore. <o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>So what changed? My money mindset.<o:p></o:p></span></p><h2 style='line-height:15.6pt;box-sizing: border-box;margin:2.15rem 0px 10px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Raising the bar on my financial expectations<o:p></o:p></span></h2><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>The bookstore I worked for justified its low wages by providing "an ideal work environment." Being surrounded by books and cheap coffee everyday is indeed wonderful. But it doesn't pay your bills, help you realize your dreams, or bring you a deep sense of self.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>While I've always had a high sense of personal worth, I had resigned myself to a low net worth backed by a degree in religious studies and a value for loving my work more than getting rich.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>After struggling to balance rent and a car payment without eating ramen every day, I said to my co-manager, "I feel like I should be making more." And I remember feeling ashamed and embarrassed. <em><span style='font-family:"Verdana",sans-serif'>Who was I to want more? What did I have to offer?</span></em><o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>I stagnated. I even started to believe that despite my education and experience I wouldn't be able to find another job. So when my daughter was born in July 2008, I used it as an opportunity to start fresh and learn about myself.<o:p></o:p></span></p><h2 style='line-height:15.6pt;box-sizing: border-box;margin:2.15rem 0px 10px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Starting fresh<o:p></o:p></span></h2><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>I started my first website in January 2009, and a few months later, I was making a small amount of money every month selling advertising and teaching social media skills.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>I was pretty happy with the way things were. After all, I'd already met that goal of adding a few hundred dollars per month to my family's income.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Still, I thought about my future, my daughter's future, and the wealth that, just maybe, even I could be building. I dreamed of flexibility, satisfying work, and the chance to build something I could pass on to those I loved.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Little by little, I started to realize that more than I had ever dreamed of was possible, but I had to change my approach to money and the value of my own work.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>I kept blogging, built a web presence and brand, and learned web design. Exactly a year after my daughter's birth, I bought an existing <a href="https://www.hermoney.com/borrow/debt/hermoneys-4-best-tips-for-borrowing-in-2019/"><span style='color:#185F7D'>business with a loan</span></a> from my credit union — and a huge leap of faith.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>I now had a huge audience to entertain, edify, and enrich. I took those responsibilities seriously, and soon several business owners started inquiring about other services I might offer: web design, coaching, development.<o:p></o:p></span></p><h2 style='line-height:15.6pt;box-sizing: border-box;margin:2.15rem 0px 10px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Growth and answering the hard questions<o:p></o:p></span></h2><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Then came the dreaded question: What is your fee?<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>I seriously had no idea what I was doing. All my life I had been told I was worth between $8-14 per hour. So when I quoted $25 per hour for those first jobs, I felt like a rockstar.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>It only took a few of those jobs to realize that that rate wasn't sustainable. But more importantly, it only took a few of those jobs to realize that the value of what I was delivering was so much more than a few hundred dollars.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>I channeled everything I was learning from friends and colleagues, and then I started adjusting my rates upward. At first, slowly. Then, steeply. I researched what others who were doing what I do made per hour, per project, per client. <o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Then a funny thing happened. As my rates increased, so did my profile. I worked with higher performing clients, and I was able to focus on the projects I liked best. Ultimately, I was able to turn my service into a profitable training program.<o:p></o:p></span></p><h2 style='line-height:15.6pt;box-sizing: border-box;margin:2.15rem 0px 10px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>'I didn't get lucky. I created this.'<o:p></o:p></span></h2><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Looking back, I didn't expect to be where I am today. I couldn't have even imagined what it would be like to buy a beautiful home, support my partner in pursuing his passion, and love my work every single day.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>I didn't get lucky. I created this success little bit by little bit by realizing the value of the work I do, translating that into easy-to-buy offers, and setting prices that allow my business to grow.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Many entrepreneurs are in a unique position to take advantage of similar opportunities I have over the years. You're likely already thinking critically about what you have to offer others and how those skills or ideas could save them time, money or inconvenience. You're tired of being taken advantage of or seen as just another cog in the wheel.<o:p></o:p></span></p><p style='box-sizing: border-box;margin:2.15rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'>Don't let your own self-imposed earning ceilings get in the way of thinking creatively about what you can accomplish and how much you can earn.—businessinsider.com<o:p></o:p></span></p><p class=MsoNormal style='background:#F8F8F8'><span style='font-family:"Verdana",sans-serif;color:#212529;mso-fareast-language:EN-ZW'><img border=0 width=775 height=581 id="Picture_x0020_2" src="cid:image001.jpg@01D5CD19.7D550CE0" alt="reading bookstore"></span><span style='font-family:"Verdana",sans-serif;color:#212529'><o:p></o:p></span></p><p class=MsoNormal style='background:white'><span class=image-source-caption><span style='font-family:"Verdana",sans-serif;color:#212529;letter-spacing:-.25pt'>She left her job at a bookstore. </span></span><span class=image-source><span style='font-family:"Verdana",sans-serif;color:#848F91;letter-spacing:-.25pt'>LStockStudio/Shutterstock</span></span><span style='font-family:"Verdana",sans-serif;color:#212529'><o:p></o:p></span></p><p><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal style='background:white'><i><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Invest Wisely!</span></i><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='background:white'><b><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Bulls n Bears </span></b><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'> <o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Telephone: <a href="tel:%2B263%204%202927658" target="_blank"><span style='color:windowtext'>+263 4 2927658</span></a><o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Cellphone: <a href="tel:%2B263%2077%20344%201674" target="_blank"><span style='color:windowtext'>+263 77 344 1674</span></a><o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Alt. Email: <a href="mailto:info@bulls.co.zw"><span style='color:windowtext'>info@bulls.co.zw</span></a> <o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Website: <a href="http://www.google.com/url?q=http%3A%2F%2Fwww.bulls.co.zw&sa=D&sntz=1&usg=AFQjCNH8LYgdY55h-XKseuM8Kpr-JKdfhQ" target="_blank"><span style='color:windowtext'>www.bulls.co.zw</span></a> <o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Blog: <a href="http://www.google.com/url?q=http%3A%2F%2Fwww.bulls.co.zw%2Fblog&sa=D&sntz=1&usg=AFQjCNFoIy6F9IXAiYnSoPSgWDYsr8Sqtw" target="_blank"><span style='color:windowtext'>www.bulls.co.zw/blog</span></a><o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Twitter: @bullsbears2010<o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>LinkedIn: Bulls n Bears Zimbabwe<o:p></o:p></span></p><p class=MsoNormal style='background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Facebook: <a href="http://www.google.com/url?q=http%3A%2F%2Fwww.facebook.com%2FBullsBearsZimbabwe&sa=D&sntz=1&usg=AFQjCNGhb_A5rp4biV1dGHbgiAhUxQqBXA" target="_blank"><span style='color:windowtext'>www.facebook.com/BullsBearsZimbabwe</span></a><o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Skype: Bulls.Bears <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><img border=0 width=210 height=101 id="_x0000_i1030" src="cid:image003.jpg@01D5644F.B4AB0B00" alt="cid:image012.jpg@01D0BFE7.544DF490"><o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:23.4pt;background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></div></body></html>