|Why you need to learn financial modelling if you work in finance|
If you work in finance you need to think about learning financial modelling. Here is exactly why you need to learn financial modelling.
|Finance Recruitment Agency||8/20/2021 12:00 AM||Ace the job search, Develop your career||Verushka Dass||6/21/2021 12:00 AM|
financial modelling, what is financial modelling, financial modelling techniques, financial modelling courses, financial modelling definition,
Why you need to learn financial modelling if you work in finance
Ever heard of the term "financial modelling"? If you work in finance, you probably know businesses need to have a solid financial foundation to support their future – as do you!
Understanding expenses and revenue helps a business calculate its potential financial position. One of the ways that businesses do this is through financial modelling.
Businesses from just about every kind of industry use some kind of financial modelling.
Irrespective of your level, financial modelling skills have become one of the most highly sought-after skills for financial professionals today.
As the demand for financial experts in this field is increasing, so are the number of financial professionals with expertise in financial modelling.
Here, we discuss what financial modelling is, the different types of financial modelling techniques and why you should make sure to add financial modelling to your arsenal.
What is financial modelling?
Financial modeling is the process of creating a summary of a company's expenses and earnings in the form of a spreadsheet that can be used to calculate the impact of a future event or decision.
A financial model is simply a tool that is built in spreadsheet software such as Microsoft Excel to forecast a business' financial performance into the future.
This is a mathematical model designed to represent the performance of a financial asset or portfolio of a business, project, or any other investment.
Financial modelling techniques
There are many different types of financial modelling techniques. Here are some of the most common techniques:
- Three statement model: This is the most basic setup for financial modelling. The goal of this model is to help a business understand how their three financial statements – the income statement, balance statement, and cash flow statement - are linked.
- Discounted Cash Flow (DCF) model: The DCF model builds on the three-statement model to value a company based on the Net Present Value (NPV) of the business' future cash flow.
- Consolidation model: This type of model includes multiple business units added into one single model.
- Budget model: This is used to model finance for accounting, finance, and business professionals to plan a budget for the upcoming year or years.
- Forecast model: The forecast and budget models are often conducted around the same time and sometimes combined for a better understanding of the overall predicted financial position of a company.
This is not an exhaustive list of every type of financial modelling, however these are the most common methods that can help you when you are approaching most financial situations.
Why do you need to learn financial modelling?
The digital revolution has changed the way industries work today. With more and more information becoming automated and the volume of information on the rise, it is becoming difficult to cope with vast amounts of complex data. This is where financial management graduates with expertise in financial planning and modelling can step in and come into their own. You could also do an online course to add this skill to your resume if you are already in the industry.
Financial modelling skills are an asset that most multinational firms are looking for when hiring financial professionals. Learning financial modelling and incorporating it into your expertise will help you enhance your job prospects and better understand the financial dynamics of an organisation.
Expand your career with Financial Modelling
Financial modelling is a representation in numbers of a company's operations in the past, present, and the forecasted future. Using excel you could create a financial budget, forecast a project cost, develop an option pricing model, or simply value a company, among nearly anything else.
Financial modelling is a long-standing way of understanding the financial position and potential of a company and is regularly used to assess everything from future stock prices to annual budgets and everything in between. Financial models are intended to be used as decision-making tools. This short course will give you that boost in confidence to make some important financial decisions and being able to do financial modelling can provide a wide array of career opportunities. If you are looking for a great career opportunity in financial modelling, register with us and upload your resume today!
|Understanding Communicate Recruitment IT|
Communicate Recruitment is a specialist recruitment agency with over 3 decades of experience.
Our IT niche specifically focuses on placing and connecting clients and candidates the IT and various industries.
|IT Recruitment Agency||6/21/2021 12:00 AM||Develop your career||Verushka Dass||6/21/2021 12:00 AM|
UNDERSTANDING COMMUNICATE RECRUITMENT IT
Communicate Recruitment is a specialist recruitment company with over 3 decades of experience.
Our IT niche specifically focuses on placing and connecting clients and candidates from:
- Software Development – Developers, Testers and
- DevOps Engineers
- Data – Business Intelligence (BI), Data Scientists, ETL Developers, DBA’s
- Analysis – Data, Business or Systems Analysts
- Design – UI/UX, Web Designers, Graphic Designers
- Digital – Digital Marketing Managers, SEO Specialists, Technical Writers
- Infrastructure – Networking, IT support, Cybersecurity
|Should you cash out your lucrative pension fund?|
The reality is, every time you cash out your provident fund you are actually stealing from the older person you will become one day.
|Should you cash out your lucrative pension fund?||3/4/2020 3:00 PM||Develop your career, Know the industry, Take the lead||Mpumi Zingitwa||3/4/2020 3:00 PM|
pension, pension fund, provident, provident fund
Yesssss! We've just told you the great news that you have just landed yourself a brand new job at the company of your dreams with a higher paying salary. We send you the letter of employment and you frantically sign your life away.
1 month comes and goes at your new desk and the previous company sends you your provident fund statement with that lucrative total balance asking you if you would like to cash-out the funds or would you would prefer to transfer the funds to the new employer's provident fund scheme. You're dead broke, SAA and Eskom are broke and so is the South African Government as per Tito Mboweni state of the nation budget speech. No, don't even think about lending money from your Mother-in-law. We've just hit a recession as a country according to Stats SA, due to our poor economic growth that contracted by 1.4% in the fourth quarter of 2019. The coronavirus outbreak around the world has also seen the JSE all share index bleed 11% in a week – the fourth biggest weekly loss since 1978.
In a nutshell the South African economy is tough and you're up to your eyeballs with debt you've accumulated over the years from that credit card or school fees, bond repayments and that holiday you took to Europe that cost you an arm and a leg due to the strength of the Euro. What do you do in relation to your Provident Fund?
Reasons NOT to touch your Provident Fund after changing jobs:
The reality is, every time you cash out your provident fund you are actually stealing from the older person you will become one day.
The tax deductions that you incur for withdrawals are rather high. The first R25 000 is tax free, anything after that, you're up against the taxman. For amounts between R25 001 – R660 000 you're going to pay +18% tax. From R660 001 – R990 000 you will pay +27% tax and for withdrawals of more than R990 000 you will be paying +36% tax.
If you touch your provident fund, you will be losing out on the power of compound interest which takes years to benefit from.
After the age of 35, you might not have enough time to recover from more withdrawals as you will be retiring between ages 60 – 65. This might hamper your earning potential after retirement.
You might fall into the temptation of unnecessary expenditure. Be it spending money on unplanned holidays, buying unnecessary gadgets or sheer wasteful expenditure.
Reason to consider cashing out your Retirement Fund:
In our ailing economy, retrenchments are a sad reality. If you find yourself in this precarious position, your provident fund can come in very handy until you find your next job.
Paying off your house or car might also be a good idea to cash-out your provident fund as it brings down your overall interest and gives you a financial breather. School fees are debatable…we'll leave that hot potato for another day.
If you get fired…look you don't have many options mate but to access your provident to navigate those financially treacherous seas that might drown you.
If you're unsure about your decision go ahead and speak to your financial advisor.
For your next Great position for an even better provident fund, register your CV on www.communicate.co.za. or call us right now for positions in Engineering, Finance, IT, Freight and Contracting.
|Are you falling out of love with your job?|
What should you do if you find yourself falling out of love with your job?
|Are you falling out of love with your job?||2/7/2020 11:10 AM||Develop your career, Know the industry||Christopher Els||2/7/2020 11:10 AM|
career, jobs, love, passion, change
The romance between you and your job may not last forever. Initially you have a passion for what you do, how you do it, and the team around you.
Over time, you may begin to feel that passion fade away. How can you pick up that you are falling out of love with your job? What are the signs? How can you prevent it? –
Or should you even try prevent it?
Most of us work a normal 40 hour week and if you're unhappy in your job it may end up affecting your output, your attitude towards your co-workers and your mental and physical health.
Here are signs that you may be falling out of love with your job or career:
- The job you initially felt enthusiastic about now just seems draining and chore-like.
- Your engagement levels have dropped to an all-time low and it feels like you're running on autopilot.
- You're not interested in socialising with colleagues and don't feel like being a team player anymore.
- You constantly feel bored and that you're going nowhere slowly (and that's not alright).
- Your levels of stress, anxiety and health have started deteriorating.
If you can check one or more of the boxes then you may need to see what to do or how you can fix it (if you should).
1. Recognise what's making you unhappy.
If you used to wake up feeling eager to go to work and when you're at work you felt motivated to excel, and now you feel the complete opposite – you may know what is causing it. Perhaps you're not getting on with a co-worker, or you've been overloaded with responsibilities.
It's always easier to first try pin-point WHAT is causing you to be unhappy before jumping the gun and going on LinkedIn to find a new job.
2. Attempt to actively change what's affecting you.
If you have identified what is causing your lack of enthusiasm for your work, it may be easy to rectify. Perhaps you need to stop hanging out with certain people at the office.
This could mean that you should stop allowing your thoughts to be negatively by the opinions of others – especially those that are prone to complaining.
You may also want to take a step back from office politics.
If you have already identified it will be advisable to try fix it instead of brushing it under the rug. A list of pros and cons may do the trick.
3. Chat to a superior (manager, team leader etc.)
Speaking to your manager or team leader may come across as a daunting task. If you feel undervalued or underpaid, you may just need someone higher up to confirm that you're doing a great job. However, before you just jump into the conversation, make sure you're prepared.
Have a list of your accomplishments since you've started in the company to support your stance. You may be the one at fault so be prepared to take some constructive or destructive criticism.
4. Take a break.
Ask yourself when last you took a break that wasn't a public holiday or weekend. You may be on the verge of a burnout which may cause great harm to your mental and physical health.
When you book that weekend away or mid-week break, turn your out-of-office on and avoid checking mails and social media channels.
You need to unwind completely.
5. Accept that it may be time to move on.
This will never be easy. Sometimes moving on may be out of your control. If you find yourself in a start-up or small business that offers no career growth prospects,
you're well within your rights to move to a company where you can grow. Age may also play a factor – if you're in your early twenties and crave growth, you may need to move to upskill yourself. Some companies promote upskilling and that may drive you to change.
Remember, if you feel that you're stuck where you're at with no signs of it getting better, it's OK to move. Your employer should understand.
Your mental and physical health as well as your future are of paramount importance – so don't just accept where you're at is where you'll stay for life.
If you feel that you've fallen out of love with your current job or career, visit www.communicate.co.za today and apply for a Great Job today! We have over 35 years of experience in placing Great Candidates at Great Companies.
|How do you make sure your CV stands out?|
We share tips on how to make sure your CV stands out to secure you that interview. Download our FREE resume checklist right here too.
|How do you make sure your CV stands out?||1/22/2020 1:00 PM||Ace the job search, Develop your career, Take the lead||Christopher Els||1/22/2020 1:00 PM|
resume, CV, job application, downloads
We all know that when we send out our CV that we will more than likely be up against a few other candidates with similar skills. So now, how can you ensure that your CV is the one that turns heads and gets the right people talking? How do you make sure that you get that interview?
At Communicate Recruitment, we receive hundreds of applications per day between our various niches of specialisation. Our consultants know exactly what to look for and what comes across as mere "fluff". The crux of it is – keep the good, scrap the bad. How do you know the difference?
There are a few key factors to consider that has little to do with the content itself:
- Length of your CV and cover letter
- Iconography (if you use icons)
Once you have the above sorted out, now you need to make sure the content of your CV is on point. If you are opting for a more creative CV, make sure that you don't come across as trying too hard that you miss the main goal – highlighting your skills and experience. Content-related points to consider include:
- Jargon – Use the correct jargon for the role you're applying for.
- Employment history – Company name, date range (month & year) and a brief description. When you are referring to your current job, use present tense; when referring to previous jobs, use past tense.
- Contact & personal information – name, surname, residential, email, contact number, ID.
- Education – High school, university studies, online courses and certifications.
- Skills – list your skills and the level at which you're skilled at that.
- Achievements – if you have achieved a feat in your current or previous company, mention it. An example could be how you saved the firm money by doing something different. This goes a long way to prove your value.
- Photo – If you opt for a photo on your CV, ensure it is a clear and professional headshot. Black and white/sepia is preferred.
Once you've ensured that your CV has the right content and layout, there's one last box to tick – check, check and check again. The last thing you need when applying for a new job is for your prospective employer to pick up typo's or flaws in your CV that could hamper your chances of getting the interview. If need be ask a friend or family member to review it.
If you're in the market for a position in Finance, IT, Engineering, Freight, Contracting or Supply Chain, feel free to download our CV checklist below or register a profile on www.communicate.co.za
|Communicate Recruitment now offers IT Contracting Solutions|
In 2020, we’ve extended our service offering to include Contracting with our focus being providing high-end IT Talent Acquisition Resourcing Solutions and IT Managed Services Solutions.
|Communicate Recruitment now offers IT Contracting Solutions||1/15/2020 8:40 AM||Know the industry||Mpumi Zingitwa||1/15/2020 8:35 AM|
contracting, it, it contracting
In 2020, we've extended our service offering to include Contracting with our focus being providing high-end IT Talent Acquisition Resourcing Solutions and IT Managed Services Solutions. We specialise in attracting and providing the following type of skills: Programme/ Project Management, Business Analysis, Data Analysis/Engineers, BI/Software Developers.
Connect with us to manage the HR processes and functions relieving pressure on your HR Department. We understand and functioning within our client's HR and Labour Law guidelines and parameters.
Consulting and Independent Contracting
We provide high-end sourcing solutions and services making use of cutting-edge technology enabling us to connect with all levels of skilled professionals within 48 hours. Communicate Recruitment has a strong, credible and established network with sophisticated processes in place to achieve success. We engage a vast array of industries across the spectrum to ensure we are always connecting with the best talent available. Our flexible staffing solutions and skill sets can be contracted on a Time and Material basis or provided as a Managed Service.
We are proud members of APSO with over 3 decades of specialised recruitment expertise.
Connect with us now on 021 418 1750 or contact us at firstname.lastname@example.org
|Advantages to starting a new job or hiring at the end of the year.|
We’re all looking forward to the end of the year but some are contemplating on changing jobs during November or December.
There are also hiring managers wondering if it is a good idea to hire now. We hope to assist you in this decision with a few pros to help prompt you to make the move now, rather than later.
|Advantages to starting a new job or hiring at the end of the year||11/6/2019 12:00 PM||Ace the job search, Know the industry||Christopher Els||11/6/2019 12:00 PM|
job search, hiring, jobs, recruitment
We're all looking forward to the end of the year but some are contemplating on changing jobs during November or December. There are also hiring managers wondering if it is a good idea to hire now. We hope to assist you in this decision with a few pros to help prompt you to make the move now, rather than later.
If you're a candidate looking for a new opportunity, now is probably the best time to move.
- It's tactically better to change jobs during this period
- You can get your training/admin out the way during this downtime period
- Your office is generally quieter so you get the chance to learn new systems, the way things are done and the new company culture
- You aren't competing with other candidates (or as many candidates as you would be in January/February)
- Traffic is a breeze and dress code is generally casual and as is the office environment
Hiring now also has its benefits
- You get your training or induction out the way early
- Your new starts get used to the environment now so come January, they are able to hit the ground running
- You get candidates which take their career seriously and are immediately available
- You don't have to wait until January / February to finish off the hiring process
- Recruitment budget – you have a hiring budget that you haven't used yet. You may not have the budget when you need it come the New Year. Get your team ready while you still can.
Whether you're looking to hire Great Candidates or looking for Great job opportunities, Connect with us so that we can help you hire Great Candidates or find Great jobs.
|What do these questions from Recruiters actually mean?|
We're often left puzzled at certain questions in an interview with a recruiter. This article will help clarify what recruiters really mean when they ask questions.
|What these questions from recruiters really mean||10/17/2019 12:00 AM||Ace the job search||Mpumi Zingitwa||10/17/2019 10:40 AM|
interviews, questions, recruiters, interviewing, interview, job search
What do these questions from Recruiters actually mean?
Tell us about yourself?
This is usually one of the first questions in an interview used to break the ice after the firm handshake has long loosened at reception. Refrain from telling us about your cheating spouse or how your dog ate your cat. It's an opportunity to tell us about your schooling achievements, your personality traits, interests and work history.
What are your reasons for wanting to leave?
Be honest from the get go about your reasons for wanting to leave. Refrain from throwing your current company under the bus as this might seem like you don't take responsibility for whatever has gone wrong in your current position. We get it, we've been doing this for 38 years, just because you and your boss have a bad relationship doesn't mean we won't put you forward to meet the client. We are keen to hear the story behind the relationship breakdown with your current boss as that might guide us to see if you would work well with your upcoming boss. If you decide to lie to us, we'll put on our detective caps and get to the bottom of the matter, we have our ways which we will not divulge at this juncture. Let us know even if you are getting retrenched, gone are the days where retrenched candidates where perceived to be the less desirable candidates compared to employed candidates. In this tough economy most companies retrench people on the bases of last in first out bases.
What's your notice period?
We ask this question to manage the expectation for our clients. However, if you are in an interview with a client and this question is brought to the fore it's usually a good indicator that they are interested in hiring you. If a recruiter asks you this question please don't think you've got the job…its due diligence from our side.
We are putting you ahead as the only candidate
I hate to burst your bubble but no you're not the only candidate that we've put through. In most instances recruiters say this as a confidence booster. Another common statement from Recruiters is "we've put through a couple of CV's but they loved your CV". Again this is another confidence booster for our candidates, it's actually not a great idea to put forward 1 CV because ultimately we want you to be confident and not arrogant at the interview with our client.
Tell us about your strengths and your weaknesses?
Everyone has weaknesses and that's totally acceptable, unless you were born in Krypton. Not having weaknesses is rather worrisome. Communicate them to us and the client. Go ahead and be smart about them, euphemise them and turn them into positives. So for instance, if you say you can't work with other people, highlight the fact that you're independent when tacking on tasks. Please don't lie to us though, usually most candidates will undergo psychometric tests and these reliable tests prove the type of person you are pertaining to your weaknesses.
What's your desired salary?
It's unreasonable to say that we must look at securing you double what you're currently earning. Stick to a realistic package increase and don't harp on about the money. 7% – 10% increase is a good salary increase on average. Again don't Photoshop your payslip with inflated numbers. Tell us about your real current salary is. Stick to telling us that you're interested in the potential company and how you can add value by joining their team. Don't be greedy, at a lower salary bracket, you could get away with an above average salary increase but on a higher salary bracket the tax man has a vested interest in your hard earned income which makes it next to impossible to ask for those sharp salary increases. Remember we want what's best for you too which means we'll advise on the bases of market value. We'll educate you as to what the market is willing to pay for your skill set. Be that as it may, sharp salary increases do exist even in this market but do known that it's a black swan.
Where else have you sent your CV?
Well when we ask you this question we'd like to see who else are we in competition with for your golden signature, how far are you down the line with other job interviews as well so that if our client likes your CV, we can ensure that you are available for their position. If you are looking to make a career change in Engineering, Finance, IT, Freight and Contracting, please register and send us your CV on www.communicate.co.za
|Women worth emulating|
For centuries, women were not allowed to work but today, every second post on LinkedIn is of a women being applauded for being CEO, CFO, COO and similar. So what has changed? Or what is it that women are exuding now that the workforce finds attractive? Let’s delve into this.
|Women worth emulating||8/28/2019 3:00 PM||Take the lead||Bridget Maoko||8/28/2019 3:00 PM|
women, CEO, CFO
Wikihow has a 14-step guide on how to be a successful woman; this should make it easy for 3.8 billion women in the world to be successful right? Not quite! Success is complex and sometimes inherently easy.
For centuries, women were not allowed to work but today, every second post on LinkedIn is of a women being applauded for being CEO, CFO, COO and similar. So what has changed? Or what is it that women are exuding now that the workforce finds attractive? Let's delve into this.
On an interview with Tim Modise (South African journalist), Vusi Thembekwayo (venture capitalist and global business speaker) said that black South Africans are not previously disadvantaged – but that they are disadvantaged because those systems still exits. The same can be said about women. Systems such as patriarchy, gender pay gap, unconscious biases and caring responsibilities are still in place, making it harder for them to advance in the workplace.
Be that as it may. There is a breed of women who are defying these systems. Women like Shirley Machaba, Gail Kelly, Priscillah Mabelane, Maria Ramos and Phuthi Mahanyele. Not only are they exceptional leaders but they are setting standards and inspiring generations. This is what they all have in common if you want to follow in their footsteps:
- They are not afraid to take risks
As Sheryl Sandberg would say; affecting change in your career and beyond requires the ability to stop playing it safe every once in a while. Successful women don't make reckless decisions, but they do know how to take a calculated risk.
- They have a worldview
Open-mindedness is the single most important characteristic we have as human beings and most women in this league have that. An open mind comes with a worldview. To have a worldview - you must read, travel, engage with people in different cultures from around the world.
- They take responsibility
As the old saying goes: the captain goes down with the ship. Taking responsibility is the highest mark of great leaders and these women epitomise that. If you want to emulate them you have to cultivate a mind-set that is not afraid of taking responsibility.
- They endorse education
There is no question that education plays a pivotal role in the success of most women in the corporate world. You could be learning online, from a mentor or taking practical classes bottom line - you have to stay learning and improving on your education.
There are many other traits that they endorse and embody. Follow them on their social media platforms and read their biographies to get more insights into being a powerhouse of a woman!
We are a Recruitment Company with over 3 decades of experience that is 17% Black women owned. Visit our website to learn more about us.
|Healthy living - the new luxury trend you should adopt! |
Healthy living encompasses more than Kauai smoothies and cutting off carbohydrates. It’s more than having a Nike app on your Apple watch and being rewarded by Vitality or Multiply for walking 10k steps a day. It’s holistic. It takes your work environment and home settings into account. It takes your dreams into account, your mind state, finances and spirituality.
|healthy living||8/20/2019 2:00 PM||Take the lead||Bridget Maoko||8/20/2019 2:00 PM|
Healthy living, South Africa, nutrition,
Read time - 02:59
I am a budding Yogini and Pilate Master. Well, not quiet. That's a statement I read somewhere on Instagram. Anyhow. I do practice yoga and pilates for health and leisure purposes at least 3 to 4 times a week. Some days I am at the garden doing headstands and some days I am at the gym doing wall squats. And nope, I do not post these on my Instagram account of 850 followers. I do these because they are congruent with my blue print of healthy living.
Healthy living means different things to different people.
It takes into account more than just diet and exercise. Depending on where you are in the world it also takes into account your socio-economic status, cultural and philosophical beliefs as well as your mental health.
Let's delve into what it all entails. We'll start with the body.
Great philosophers and great businessmen have, throughout history reiterate the importance of having a healthy body. ''What good are all the riches of the world if you do not have a great body to enjoy them in? Self-preservation is love they'd say.''
This is because a healthy body sets the standard of day-to-day well-being and determines how well you'll age.
According to research, having a great body also means having the right weight. You can check this against your BMI. A fit and healthy body enables you to be fully functional and perform at your peak. But this won't come into play without good nutrition.
In South Africa, the minimum wage is R3 500 per month and the costs of a nutritious basket of food for a household of four is R3 123 ergo maintaining a daily intake of 2000 calories per day as recommend for an adult will be difficult. But assuming you live above the poverty line and can afford to eat healthily like my boss - who snacks on Woolworths almonds nuts which cost around R175 per 500g then you are fine.
Nutrition plays a pivotal part in our overall wellbeing. It is not about strict limitations on certain foods or staying unrealistically thin and depriving yourself of the foods you love. It's about vitality - having more energy and boosting your mood.
The Harvard School of Public Health published 'The Healthy Eating Plate.'
It offers a more specific and accurate recommendations for following a healthy diet. You can use it as a start.
Healthy living is holistic and cannot be achieved without the right mind state. Having a fit body and eating nutritious foods is just one part of it. In fact, you can have a great body, pay premium gym memberships, drinks smoothies all morning and still lead a dreary life. Why? Because your mind is not in the right state and that is where mental health comes in.
According to new studies of positive psychology – having a positive attitude can boost your energy, increase your life span and help you become better during hardships. All this starts with the small talk within and only you can fine-tune it.
You can gauge if you have a healthy mind state if the following reverberates with you: you have self-confidence and esteem, a sense of meaning and purpose in your activities and relationships, a sense of contentment and zest for life.
A strong mental health is not the absence of problems but rather of having and exuding more positive characteristics.
The reason I do yoga and pilates is because it's holistic. I can switch between meditation and core, between speaking great things into the ethos and toning my abs.
Someone once said human beings are genetically wired to seek love, this being a 'god' or a super being of some sort that is above us as 'humans' either through religion, spirituality or whatever fancy term relevant to your generation and culture. This part of your life needs to be nursed as it plays a great role is your overall healthy living journey.
As mentioned before, healthy living encompasses more than Kauai smoothies and cutting off carbohydrates. It's more than having a Nike app on your Apple watch and being rewarded by Vitality or Multiply for walking 10k steps a day. It's holistic. It takes your work environment and home settings into account. It takes your dreams into account, your mind state, finances and spirituality. Best of all, it requires maintains and hard work. Its not for the faint hearted, so go ahead and prioritise it!