Financial Jesus

Illustrated Guide to Face Reading

Could it be possible to know someone’s personality just by looking at his face?

Yes, at least that’s what a growing number of face reading experts think.

Being skilled in face reading can give you valuable insights into anyone just seconds after meeting. Knowing how to read faces while doing your next sales presentation can give you the edge you need in order to seal the deal.

Reading Face Shapes

Prominent cheeks

The individual with most prominent cheeks is usually the man with most personal power. This person might not hold the highest official position but he most likely has a strong backing by his friends and colleagues. If you convince him, others may follow.

Large Chin

If you want to speak to the person who will probably get in the last word of the subject, direct your attention to the person with the largest chin or whose chin juts out the most.

Having the person with the last say in your side can give you the edge you need.

Long Nose

The person with the longest nose or whose nose sticks out the most is usually in control of the money.  A big bulb on the end of the nose indicates that the person is very concerned about money.

Big Jaws

If a person has big jaws or jowls, pay attention. These are the people who are used to getting their way. When communicating always use a respectful approach and be willing to listen, even if they interrupt before you have the chance to finish talking.

Large Upper Area

These people are thinkers - it is a good idea to give them all technical information and details. Don’t be afraid to use descriptive words and complex sentences - the more the better! To win them over you need to use logic and reason.

Large Middle Area

You don’t want to waste the time of these people. Show them how they will be the envy of their neighbors and co-workers and use lots of verbs and adjectives. People with a large middle area between their nose and mouth are usually after results, not caring too much about the people

Large Lower Area

Don’t press these people - make a connection first and then let them make up their own mind. The more relaxed and easygoing you are when talking to them, the better results you will get.

When pressured these people can feel discomfort and start avoiding you.

Protruding Cheeks and Big Jaws

These people are accustomed to getting their way. It is very important to show respect for their opinions and viewpoints - if you don’t do it they will probably not listen to you.

Getting them on your side can win over more people.

Pear Shaped Head

People with pear shaped heads like to be consulted. Ask for their opinion again and again and again, because when you won’t they will put up emotional walls. Once an emotional wall is erected it is very difficult to get around it.

Diamond Shaped Head

These people are usually very impatiant and they don’t have time to waste. If you want to win these people over you need to get to the point quickly - this is especially true if they also have high ears.

Freight Train Line

If these people get excited or start talking, they may be difficult to stop. Don’t worry - just wait patiently until they have finished and acknowledge their point of view before offering your position.

Reserved Features

These people have small mouths, thin lips, deep-set eyes and ears close to the head. They hold themselves in and are not outgoing. You cannot assume that you know what they are thinking or that they are agreeing when they nod their heads - that just means they heard what you said.

Face Reading - Eyes

It is often said that eyes are the mirror of the soul. Whenever reading a persons face it is important to take a good look at the eyes - they never lie.

Large Eye

Make sure that these people are looking at you when you are talking. These people take in information best when they can see it. If possible - use charts and draw pictures to make your point. This is also true for people with small ears.

Straight Bottom Lids

These people are mistrustful and suspicious - before you can win them over you need to gain their trust. Once the trust is established they will be your loyal supporters.

Eyes Angle Down

These people tend to look for problems. Don’t be too enthusiastic, and refrain from being jovial. They think that life is serious.

Eyes Angle Up

These people are the optimists. Tell them how great everything is going to be. They always expect everything to work out well.

Bulging Eyes

You may have a hard time trying to get your point across to these people, because they won’t stop talking. Be careful about interrupting because they may get their feelings hurt.

Recessed Eyes

These people look like they are agreeing with you when nodding their heads., but actually, they are analyzing everything and need some time to think things over. Don’t push them - just give them enough information so they can make up their own minds.

Face Reading - Eyebrows

Eyebrows and often considered to be a part of eyes but actually they are separate physical features - that’s also how how face reading experts treat them. It is important to read both features separately in order to get a good insight into the inner workings of a person.

Eyebrows are strong indicators of how a person thinks.

Straight Eyebrows

These are idea people. When trying to communicate a new idea, be sure that it is based on facts.

Continuous Eyebrows

These are powerful thinkers whose minds are always at work. Let them tell you some of their ideas and they will be happy.

Thin Eyebrows

These people need reassurance - especially if the eyebrows are high, round and pencil thin. They are also concerned with being judged, they want to be above reproach. When talking a sincere compliment can help pave way. You should also remember that these people are often self-conscious.

Tangled Eyebrows

These people will test your position by taking a devil’s advocate stance. Don’t start waffling when they challenge you - just explain your side and give facts. Don’t let them intimidate you - they just like to shake things up to test the validity of information.

Curved Eyebrows

These are people oriented individuals. Give them anecdotes and personal stories about whatever you are trying to get across. Explaining your idea to these people is not enough - you need to show how it works in the real world.

Angled Eyebrows

For a good relationship let them know that their opinions are important and allow them to feel in control. If possible, ask for their opinions and how you can assist them.

Managerial Eyebrows

It is OK to use all the details and technicalities with these people. You must know what you are talking about if you want them to trust you.

Winged Eyebrows

These people are visionaries. It’s best to use some facts but cut out excessive detail. Be ready to show the big picture and paint an enthusiastic vision of possibilities.

Face Reading - Nose

Straight Nose

These people respect logic. When communicating with them, avoid everything that is not clear and logical and stick to the facts. Try avoiding emotional appeals and have good answers when they question something.

Bump on Bridge of Nose

Take care not to make these people feel concerned. You can state your position as strongly as you want, but you must also stay open to their ideas if they become feisty.

These people consider themselves good negotiators.

Concave (ski jump)

These are people who respond to emotion. If you want them to accept an idea or buy a product, be sure to show them how good they will feel or how good it will make someone else feel.

Arched Nose

These people appreciate beauty and creative new approaches. Be willing to listen and appreciate their ideas and creative solutions.

They like when others have to implement their ideas.

Face Reading - Mouth

Our mouths are sources of huge amounts of vocal information, but what can they say to those willing to put their face reading abilities to the test?

Big gap in front teeth

These people can be unpredictable, but they are willing to take the risk. Given a choice between staying with what they’ve got, or taking a chance on it all, they will often choose to go for it.

Crooked bottom teeth

These people always see both sides of arguments and therefore can have trouble making up their minds. Reassuring them that they are making a good decision may be the most important feedback you can give them.

Mouth turns down

These people are wary of what others tell them. If you are trying to sell him something, it may be helpful to make a very balanced pitch by pointing out a few flaws or showing other alternatives to what you are selling. Your unexpected candor will help gain their trust.

Bigger upper lip

For these people it is important to be authentic. They connect less to what you say and more to what you are. A slick presentation may sound phony and they are quick to spot deception. When communicating with these people the best advice is to relax and be yourself.

Want to become a face reading expert?

This was only a short introductory course to face reading. If you now consider yourself to be a face reading expert you are deeply mistaken. True experts can distinguish between hundreds of facial features while this blog post only has 34 examples. For in depth face reading information I would suggest reading a book. While I haven’t been able to get my hands on all of them the 2 best one’s are definitely Amazing Face Reading and The Power of Face Reading. The first book is also where all the pictures are taken from.

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1 Comment | Posted in » Body Language

10 reasons why you are still poor

10. You are not interested in money

You think that when you make enough money at work all your money related problems will take care of themselves

Actually the opposite is true - over 90% of people winning a multi million dollar lottery end up with less money just after 5 years of winning.

Getting rich takes effort and planning. If you are not interested in money then chances are that money is not interested in you.

9. You are afraid to lose your money

You are so afraid to lose your money that you keep it in an ordinary bank account with a terribly small interest rate. You are afraid to invest your money because you think that the risk of losing everything is too great.

By keeping your money on a savings account, it generates less interest than the inflation. This means that by keeping your money in a safe place you are actually losing it to inflation.

8. You invest in what you don’t know

After reading a story about a new high tech invention you decide to invest all your money into this startup company. If it’s high tech and complicated it must be a great invention, right?

Wrong!

Investing your money in what you don’t understand is the fastest way to losing everything. Something that looks like a good idea doesn’t have to be one. Stick to what you know and you will be able to keep yourself from the dumb ideas and go along with the great ones.

7. You hope that other people will take care of your money

You give professional money managers free will to take care of your money as they wish. Everyone wants to have more money so they will just end up making a lot of “necessary transactions” - of course you are the one paying the transaction fees.

Take care of your own money - always have the last say in what to invest and what to buy.

6. You want too much too fast

You want to get a lot of money fast and with little or no effort. This makes you go along with tens of get rich quick schemes that always end up losing money.  Your decisions are affected by the need to get a lot of money fast, which makes you take unnecessary and stupid risks.

You need to remember that there is no such thing as easy money.

5. You don’t have an emergency fund

You spend everything you make and don’t keep an emergency fund for unexpected things. If you are not covered by insurance an accident can set you back tens of thousands of dollars.

Without an emergency fund you would need to borrow to come up with the money. This also means that you will have to pay interest - not having an emergency fund can end up loosing you a lot of money.

4. Your goals suck

You don’t have any goals and even if you have one - its awful.

Just about every 10-year-old wants to be rich and famous but only a few will actually get there.
You need a goal that says what you want to achieve, how you are going to achieve it and by what time will it be achieved.

After coming up with a goal you will also need to make a plan on how to achieve it. You must be able to measure your progress at any point to get feedback on how you are doing.

3. You have bad habits

You smoke, drink and watch TV all day long. You spend money on the things that will never bring you anything back. In the long run you need to spend even more money on health in order to get back to your best drinking shape!

A bad and devastating habit can also be negative thinking. Research has shown that people who are more willing to keep their mind open and positive to new ideas are wealthier than pessimists.

2. You are impatient

You want to have everything now and are not willing to wait in order to buy it later. The concept of saving money for something you want to buy is not known to you - instead you use one of your many credit cards.

You probably haven’t heard that using a credit card makes other people rich (owners of credit companies) and keeps you poor.

1. You buy everything your neighbors and friends have

Trying to impress your neighbors and friends by buying all the stuff they have plus everything they would like to have? Don’t do it - spending money on things that you really have no need for is the number 1 reason why people have less money than they want to. Having a lot of things and having a lot of money are 2 things that contradict each other - you need to give money away in order to get stuff.

True wealth and money comes to those who are willing to wait - the 1000 dollars you choose not to spend on a new plasma TV with a giant screen can turn into 100 000 dollars in 20 years. Think of how much TV-s this money would get you then (as opposed to how much you would get when selling your TV after 20 years)

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Things you can do with paper money

You can find some more of these  cool pictures at 1Cup1Coffee

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Warren Buffett made a million dollar bet

Warren Buffett has made a million dollar bet that the S&P 500 index fund will return more to investors over the next 10 years than a collection of hedge funds that are carefully selected by experts.

The bet was made between Buffett and a company called Protégé Partners LLC - a company that specializes in running funds of funds. Those in the dark - a fund of funds is just like a hedge fund but instead of owning stocks or bonds, it owns other funds.

This has some positive and negative aspects.

The Good

A fund of funds is extremely diversified. Since it consists of funds that each consist of hundreds of stocks it is relatively risk free. This is good during the bad times.

The Bad

When compared to owning stocks or index funds a fund of funds has extremely high fees. Such a fund has an annual management fee of 1% and each one of the funds that it consists of have fees of about 1,5%  a year. In contrast -  owning the Vanguards S&P 500 index fund has a yearly fee of only 0,07%.

Hedge funds also typically collect 20% of the gains they make - this leaves you 80% of which the fund of funds also takes its share - typically about 5%.

Why Buffett Decided to Take This Bet

The high management fees of funds of funds are what Buffett thinks will win him the bet.

In order for a fund or a fund of funds to equal the return of the S&P 500 index, it has to have a lot higher yield than the index. Buffett is essentially saying that even if the fund he is betting against can surpass the yield of S&P 500, the costs associated with the fund will be so high that net of all fees the yield of S&P 500 will be greater than the fund of funds Protégé Partners is running.

You can read Warren Buffett’s and the Protégé Partners views on the bet at Long Bets.

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1 Comment | Posted in » Saving money

The Endowment Effect

According to the dominant economic theory all decisions made by humans are rational. Humans are looked as beings who make rational decisions in order to maximize their wealth. Scientists even have a name for it - Homo economicus.

The problem with Homo economicus is that it is the cornerstone in almost all modern theories that try to explain how markets and economies work. At the same time it is more and more evident that contrary to popular scientific belief humans are not always trying to maximize their wealth and can therefore make decisions that are money wise irrational.

The Endowment Effect

The Endowment Effect says that once someone owns something, he places a higher value on it than he did before acquiring it.

This seems like common sense for an ordinary person but this revelation has made quite a storm in the scientific world because this means that there are situations when the Homo economicus theory is wrong.

According to the endowment effect if you were to buy a bike for 100 dollars you would be unwilling to sell it immediately afterwards for the same $100. After feeling a sense of ownership the bike is not just an ordinary bike it used to be but YOUR BIKE. In a way it feels that your new bike is special just because it belongs to you.

The theory of rational markets says just the opposite - the value someone gives something does not depend on whether he actually owns it. According to the modern economic theory a bike that is worth  100 dollars is always worth a 100 dollars - no matter who owns it!

It seems that the dominant economic theories and the way people actually behave can be totally different.

Examples of The Endowment Effect

One of the fist experiments that showed the endowment effect in action found that students were surprisingly reluctant to trade a coffee mug they had been given for a bar of chocolate, even though they did not prefer coffee mugs to chocolate when given a choice between the two.

Since then, there have been hundreds of experiments and observations made in real life about the endowment effect

Investors

According to professor Pete Lunn working in the Economic and Social Research Institute in Dublin, professional investors are sometimes reluctant to sell investments they already hold even when they could trade these investments for something they would buy if starting from scratch.

I have also felt the same effect in my personal investment portfolio but never knew what it was before hearing of the endowment effect.

Monkeys

Keith Chen from Yale University showed in 2006 that capuchin monkeys could learn to trade and in doing so also developed the endowment effect. This suggests that the nature of this effect could be hidden in our evolution. Some scientists believe that in the past it was too risky to give up anything that you already owned and that is why we give a higher value to the things we own versus the things we don’t.  Giving up something you owned could mean certain death.

In the study done by Keith Chen the monkeys were given the option to choose between peanut butter and frozen juice bars. 60% of monkeys chose peanut butter and 40% juice bars.

However when a monkey was given peanut butter without being able to choose anything else in the beginning and afterwards presented with an option to trade it for a juice bar, 80% of monkeys decided to keep the peanut butter. Since actually only 60% of monkeys preferred peanut butter when presented with a choice, it seemed that the peanut butter had somehow gotten more valuable to them after owning it. This experiment proved that the endowment effect is also present with other primates not only humans.

Explanation of the Endowment Effect

As of now there are two competing explanations to the endowment effec.

1. In modern societies with multiple markets a customers can go elsewhere when he doesn’t like the price of what he is buying but in small ancient communities there were no alternative sellers. In that case, those who were reluctant to sell might have gotten better prices because the buyers knew that if they truly wanted to buy something they had to pay the price they were asked to. The sellers had a lot of negotiating power while the buyer had almost none. We could simply value our things pricier than those not belonging to us because deep down our brains still think that we are the only people in possession of what we have and therefore the buyer will have to pay the price we are asking.
2. As already mentioned in this post - In the past it could have been too risky to give up anything that you already owned. For example giving up food could have meant death even if you traded it for a lot of gold.

Conclusion

Whatever the real reasons behind the endowment effect there is one thing for sure - human beings are way more complex than economic theories assume. It should be possible to take into account the psychological aspects we know about humans and use them to make a small fortune.

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1 Comment | Posted in » Money Psychology

How to get out of a traffic ticket

I got pulled over for speeding this weekend.

I was doing 71 km/h in a 50 zone. For those thinking in miles this translates roughly to 44 miles in a 31 miles an hour zone.

To tell the truth it didn’t feel like I was speeding too much (and it still doesn’t) but anyone speeding more than 20 km/h for the first time can expect a decent fine here in Estonia.

The maximum fine for my offense is about 2000 dollars + suspension of driving license for 6 months. When pulled over, my initial thought was that the fine will probably be between 400 and 800 dollars - the average for that kind of speeding. Instead - I got a ticket for 30 dollars.

Here is how I did it.

1. Tell the truth. I immediately accepted that I was speeding. In fact I told the police that I thought I was driving a bit faster than their radar registered.

There are a lot of people who get pulled over every day and most of them lie in order to get a smaller fine. Finding someone who is totally honest can be a breath of fresh air for a police officer.

2. Make friends first, customers second. When I was a door-to-door salesman this rule never failed to deliver. Whenever I got into trouble with people or the authority I was taught to always make friends first and only afterward try to resolve the situation. Just as everyone else - the police is more likely to help when they like you. Make the officers your friends. This is how I did it:

Show interest in what others do. While writing me the ticket a police officer verified some information and asked for my signature for at least 3 different papers - I told him that as an IT student it doesn’t make a lot of sense - all the information I gave them was already downloaded to their on-board computer via wireless internet. They had my picture, where I live and etc but they were still required to ask all this information from me. I told the police that it would be a lot faster when they could simply print the information out or if I could sign everything with my electronic signature (everyone has 1 here in Estonia) - that way there would be no need for paper and the process would be 3 or 4 times faster. Not surprisingly both police officers agreed and they also had some personal views and ideas that they eagerly shared! I just made 2 friends!

Ask questions and tell something of interest. This is the best way to establish rapport and quickly befriend someone you didn’t know before. I  told the police that this was my first speeding ticket in Estonia but that I had gotten 1 in the States. The officer writing the ticket was very interested in getting to know how it exactly works in the US and what are the biggest “speeding ticket differences” in the two countries. I told him everything I knew.
I also asked a few questions about how exactly the speed radar works since I was genuinely interested. It got to the point where 1 officer proposed that if I want I can drive by their car and they can measure my speed again - just to better explain how it works. I laughed and refused but I got the feeling that they were enjoying talking with me.

The Secret

As you can see there are no mysteries on how to get a smaller fine. Make the police your friend first and only after that deal with the ticket part. Put yourself in their shoes - who would you rather let go - the guy who is obviously lying or the guy who seems genuinely interested and asks a lot of questions about your job.

1 more (evil) tip

Being honest or coming up with a little lie can depend on the situation you are in and your ability to read other people. If you are going to lie and you are from Europe but driving in the US you can say that you accidentally mixed miles and kilometers since in Europe we only have the latter. This has worked at least 3 times for me!

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1 Comment | Posted in » Saving money

Top 10 countries with highest press freedom

Bad news is good news for media companies  - it sells way more than positive stuff.

Writing about negative things can have a positive impact - it makes it more difficult for these things to happen in the future. If a newspaper exposes wide spread corruption it is almost certain that the officials involved will lose their positions.

Giving journalists the freedom to write about whatever they want ensures that in the long run the country they live in will have a better business environment which is good for sustained economic growth.

Reporters Without Borders is a world wide organization that stands for press freedom across the world. They also manage the Worldwide Press Freedom Index that lists the countries of the world by their press freedom.

Top 10 countries with free press in the world

1 - Iceland
2 - Norway
3 - Estonia
4 - Slovakia
5 - Belgium
6 - Finland
7 - Sweden
8 - Denmark
9 - Ireland
10 - Portugal

Other notable countries

Canada - 18th place

Germany - 20th place

United Kingdom - 24th place

USA - 48th place

Russia - 144th place

Map of press freedom

On the freedom of press map below green indicates the countries with highest press freedom and red lowest press freedom

FinancialJesus.com is a true believer of press freedom, so we are very delighted to see Estonia (this is where we run our business) ranking in the 3rd position.

7 Comments | Posted in » How to get rich

What do you want money for?

This is INSIGHT 8 from a set of rules about how to get rich

If you are reading FinancialJesus.com, you are probably here because you want to get rich.

Everybody wants to get rich!

Before setting your mind into achieving that first magical million you should have a clear vision what to do with the money once you have it.

If you had a lot of money, what would you use it for?

Could it be possible that you want a lot of money for something that you could probably do with a lot less money and a bit more imagination?

If you need money in order to travel, then you could probably do it with a lot less. If you want money to insure the lives of your children if you were to suddenly die, you could probably just sign up for a life insurance contract.

Take care not to save money for something that you could already afford just by changing your mindset.

Things you only get with enough money

There is a vast amount of stuff you can only do or get when you have enough money. This can include things as different as buying expensive supercars or living of interest that your money generates.

Why do you need money?

Money can be a solution to problems but is it also a solution for your problem? Think.

If you truly believe that you need more money you should write down how much do you need and for what. Money doesn’t have any value just by itself - it is only useful when you can exchange it for something else.

If you have a clear idea of how much money you need in order to exchange it for something of real value, you will also know how much you need. Having goals makes things a lot easier!

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What does 1 million pennies look like?

This is what 1 million pennies looks like.

1 million pennies is a total of 10 000 dollars and weights about 2.3 tons.

An interesting fact about pennies is that because of the falling dollar 1 penny is actually worth more when sold as metal as opposed to its nominal value. The US government passed a special law that says it is illegal to sell pennies as metal.

If it would be legal we wouldn’t soon have any pennies left… (For most people that would be a good thing but for some reason the government thinks they are important)

PS! If you have noticed that the amount of posts has dropped a bit recently it is because I am actually on a inflatable boat trip with some of my friends and the articles appearing here in FinancialJesus.com have been written before the trip and are automatically scheduled for release by Wordpress!

5 Comments | Posted in » Saving money

What is Estonia?

This post is about Estonia - a small, yet technologically advanced country where I run FinancialJesus.com from.

Background

Estonia is a very small country - about 1.3 million people live on 17 000 square miles (45000 sq km).

The largest city Tallinn has a population of about 400 000 - all other cities are smaller than 100 000 people.

Our better known neighbours include Finland to the north, Sweden to the west and Russia to the east.

Cool things about Estonia that you didn’t know

Let’s be honest - there is about a 99% chance that you don’t know anything about Estonia, but here is a list of things that make us unique and show just how advanced technologically we are.

E-government

From the year 2000 all Estonian government’s hearings are entirely paper free. The members of the government still have gatherings but all documents are held entirely online. If it is necessary to pass a new law it can be signed digitally.

ID-cards and Electronical signatures

All Estonians have an ID-card with a small chip that can be used to give electronic signatures. An Estonian can pretty much do every bureaucratic procedure online - this includes filing your taxes which is entirely web based and takes about 5 minutes. All relevant information is pre-entered into the tax forms - you just need to check if everything is OK.

E-democracy

Estonia is the first country in the world to have a unique system where every citizen can make suggestions for changing laws online. Other Estonians can vote if they like the suggestion and in the end the government has to consider carefully whether or not this suggestion can be implemented. You can basically change a law with one single post online.

Electronic voting

Estonia is the first country in the world to have successfully implemented national e-voting. A person wanting to give his vote to his favorite candidate online needs to have his ID-card that he uses to identify himself. A person can change his vote for as many times as he likes until the deadline.

Secure voting with mobile phones has already been used in smaller scale and there is a debate whether we should have mobile voting in addition to online voting.

Wireless Internet

Estonia is entirely covered with wireless internet. We have free wireless internet access in every gas station and in every cafe that hopes to have any visitors. In fact, it is very difficult to find a place where there is no free public wireless internet access! The many wireless networks that cover the whole country include 3G, 3.5G, WiMax and CDMA.

Estonia is the only country in the world where internet access is a basic human right. (Yes we have a law for that).

98% of people use online banking. Nobody uses checks.

Glimpse of World War 3

Being too wired can also have some negative aspects. In May 2007 Estonia became the first country in the world to become under a country wide cyber attack. The attack was headed from Russia with millions of computers around the world bombarding Estonian media, government and banking websites. Many of them become temporarily unavailable. Luckily for us - Estonia is the home of the cyber defense headquarters of NATO.

Mobile parking

Estonia was the first country to implement mobile parking tickets. You drive to the center of the city, park your car and dial a special number or send a text message. If you are done parking just call the number again. The money is taken directly from your bank account or added to your phone bill. If you are a fan of public transport you can of course buy a bus ticket with your phone or transfer money to your friends bank account just by dialing a special phone number. There are almost no regular parking meters.

Famous software

Estonia is also the birthplace for such famous software as Kazaa and Skype. The best days of the file sharing software Kazaa are already over, but the free internet based voice chat program Skype was sold to eBay for $4.1 billion.

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8 Comments | Posted in » Evil Marketing