The Future of Wealth Technology (WealthTech)

Global High-Net-Worth Individual (HNWI) wealth has increased over the last decade. The rate is expected to grow at an average annual rate of 7.7%. This will be accompanied by rising operational costs as a result of stringent regulation and maintenance of technology infrastructure. As a consequence of this growth, there has been an emergence of new avenues and trends in wealth technology. Most firms aim at increasing their top lines. Almost every wealth and asset management firm is struggling to achieve excellence in areas of client experience as well as regular management of transformational change.

What Is the Future of Wealth Technology?

The use of predictive analytics has been applied to get additional insights into client behaviour and improve firms delivery to their added products and services. It involves extracting information from existing data to determine and show future trends. Models are, therefore, generated to predict future events and behaviours in wealth technology. According to the recent research by Aberdeen Group’s Predictive Analytics in Financial Services, the analysis found that asset management firms with predictive analytics achieved an average 11% increase in the number of customers in the past twelve months. Advisers can apply the use of predictive technology to anticipate the client’s needs and then offer additional products and services.

The Adoption of Cloud Computing Platforms in Wealth Technology

Cloud computing has also become a significant trend in wealth technology. There have been increased compliance requirements which include the Dodd-Frank Act, sectors in Financial Instruments Directive (MiFID), and the Sarbanes-Oxley Act (SOX), asset management. The conditions make companies gear towards cloud computing to lower the upfront capital expenditure and enhance sustainable growth.

Cloud-based derivatives post trade processing services helps wealth managers to effectively and efficiently maintain compliance. This aligns with the changing global regulatory environment. Cloud-based derivatives also lead to market end-to-end post-trade services. It offers services in asset classes for investment banks and asset management companies. Cloud computing platforms also result in an increase in productivity of client advisers. Wealth management firms integrate mobile as a key for their customers for valuable service provision and engagement on a personal level. According to research by CEB Tower Group, financial firms will increase their cloud computing budget. The growth in cloud computing budgets will enable them to sustain the changing trends in wealth management. Cloud services help capital markets and financial sectors to save almost 30 percent of their information technology budget.

The Dawn of the Quantum Computing Age

Quantum computing represents the future of investment managers and the wealth management sectors to overcome financial research challenges. It involves the use of composite algorithms and systems that use physics and quantum phenomena as the solution to the most complex mathematical problems.

Most business models are too simple. Besides, the assumptions made from them being unrealistic, there is the need to analyse such complex systems using sophisticated mathematics. The need for multiple testing also portrays quantum computing as a more useful method. According to research conducted by Guggenheim’s Lopez de Prado and Peter Carr, the findings illustrated the potential of quantum computing that will enable asset directors and wealth management companies to solve such complex issues. The problems include putting money into a set of property over a time horizon that is divided into multiple steps. The manager or wealth management firm must, therefore, decide how much to invest in each asset at each level while taking into consideration the account transaction as well as the market-impact costs.

More Focus on Social Impact

Focus on social impact is also becoming an emerging trend in wealth technology according a survey conducted by Capgemini and RBC Wealth Management. 92% of increased net worth personnel think that driving global impact is crucial in wealth management. Global impact is, therefore, a significant and important component in asset management. The growing popularity of multi-channel service delivery and the increasing digital innovation serve as drivers for this trend. It also encompasses the emergence of disruptive business standards.

It is thus crucial for firms to develop optimal strategies that influence digital technologies and social media to confront customer preferences. Though digitisation and the rise of social media are changing existing wealth management business models, new models are being developed. The future business survival will highly depend on the younger generation of wealth management firms’ customers. Nurturing and maintaining stronger relationships with them is thus important. Asset management companies need to address challenges in wealth management. Some of the challenges include increasing digitisation and engaging in more disruptive business models. They need to focus on available opportunities and not those of the 20th Century. This will help create wealth for the younger generation without alienating their clients nearing the retirement age.

The opportunities presented by the emerging technologies is important for wealth management firms. They can retain their customers which create wealth for the present and their future generations. The use of digital intelligence helps to gain customer insights. Increasing the client’s insight will be achieved by giving the right services a key focus in the different areas for wealth management firms in future years.

Rise of Automated Advisers

The increase of automated robo-advisers has also become an emerging trend in wealth technology. The robo-adviser industry is growing, with various companies already managing more than $2 billion dollars in property. Useful investment software allows robo-advisers to offer clients with low account minimums. It also includes the customisation collection builds, and completely automated financial management points. Re-balancing for less skilled and experienced investors will also be great news. Among the largest growing US-based robot adviser services is Wealthfront, they provide an investment management with prices that are affordable for wealth management firms. In fact, they require a minimum of $500 per year.

For instance, is another leading start-up robo-adviser platforms. It specialises in access investments, making them available to anyone for the first time. The wealth management sector has been the first position in utilising appropriate technologies to promote client experience. Looking at the continuing rise of robo-advisers, financial advisers can make intelligent decisions. The development rate of all the assets under the management of advisory firms is expected to increase by 68% before 2020. Though robo-advisers are becoming popular, simulation technology is still used. It is mostly the case where robo-advisers fall short. Most firms prefer them due to their lower fees and their ease of use.

The Use of Blockchain Technology in WealthTech

Blockchain technology is changing the face of wealth management. This commonly decentralised distributed ledger technology is under research & development by most investment companies and property management companies around the world. According to research by Roubini ThoughtLab, it has found that 225 out of the 500 wealth management managers it surveyed had incorporated the technology in some way. This is by allowing the transactions to be verified electronically over an established network of computers. A Santander report published in 2015 shows that banks and property management companies could save up to $20bn a year by late 2022. The result will be achieved through using Blockchain technology in asset management. The report shows that adoption of Blockchain techniques in the asset management sector is highly inevitable. Furthermore, blockchain technology will create multiple new classes of assets.

Adopting Artificial intelligence in Asset Management

Wealth management firms use artificial intelligence and data mining mechanism to invest in a better way, evaluate the wealth market, and gather customer specific behaviour. AI is also used to instantly identify available opportunities that deliver appropriate and relevant services or products to clients. Due to the rapid growth of such technological advances, arises the establishment of better crime detection mechanisms, automated chatbots, compliance handlers, and more.

With the incorporation of artificial intelligence and asset management, especially for firms which are highly investing in cyber-security, companies could analyse the amount of sensitive data. AI systems could be optimised across multiple data centres and servers to ensure high-level blockchain security and crime detection measures. The wealth management companies are becoming increasingly alert to the risk of cyber crimes. The potential downfalls due to such threats make most large entities apply artificial intelligent services to identify and evade risks happening out of transactions made over the digital dimension. Most asset management sectors incorporate artificial intelligence into their research & development. In wealth management, decisions form a crucial part. Artificial intelligence could thus help managers make effective decisions for their clients by automatically research troves of data in collaboration with quantum computing and providing the best results each time.

A Further Look into Future Technologies in the Wealth Management Sector

Technology is continuously acting as an amplifier for the continuous growth of the wealth management sector. According to a recent Capgemini report entitled: Self-Service in Wealth Management, there is a high demand for digital services. Wealth management firms and financial institutions are thus in the process of developing an environment that is conducive towards the development of self-services for their clients.

Software automation has been emphasised in the asset management. According to an article entitled Balazs Fejes, SVP and Global Head of Financial Services at EPAM the benefits of using digital technology and software automation in the wealth management sector includes the increased satisfaction of clients and user experience. According to recent independent research from Forrester, investors constantly check their investment account balances online more often than on a paper statement. It portrays the need for software automation in the wealth and asset management sector.

Software automation and the use of innovative technologies in wealth management will in a great way help advisers with useful audibility and increase traceability, thus provide reductions in liabilities.

Visit the Kairos webiste

Jobs vs. AI: What happens when everything is automated?

ZDNet sits down with open source columnist Bob Reselman to discuss a question from our not-too-distant future: what happens to jobs when everything is automated?
By David Gewirtz for ZDNet Government 

One of the reasons I like to interview experts and students of technological change is to look at the differing perspectives we encounter. Bob Reselman is a technology press colleague of mine. When he told me he was researching the impact of automation on jobs, I knew I had to sit down and chat with him.

Hungry? This six-wheeled robot might be delivering your next pizza

Bob asks, " What will we do when everything is automated?" As the author of How To Save Jobs [free download], I immediately went to what I thought was the the big concern: lots and lots of people out of work. But in our interview, Bob took the question somewhere else entirely. His concern is how will people spend their time.

It's an interesting concern, of course, but here's where disagreements occur. From my perspective, he seems to be putting the cart before the horse. I'm far more concerned about how people will put food on the table if automation takes jobs than how they will spend their leisure time.

Both of those arguments, however, ignore the real elephant in the room: how much of an impact will automation and AI really have on jobs going into the future? America's new Treasury Secretary, Steve Mnuchin, says that losing human jobs to AI is "not even on our radar screen." He says the problem is 50 years away. That seems entirely unrealistic to me, since jobs are, and have been, lost to automation ever since automation existed.

This is a very big topic. I encourage you to watch the accompanying video. There is no doubt that AI and automation will change the nature of work, just as the internet has, and as television, radio, automobiles, planes, and trains did in the past. As technologists, it's important to not just celebrate the wonderful things our technologies can do, but also be aware of the societal implications resulting from our innovations.

During our interview, Bob cited a number of interesting and troubling statistics. I asked him to provide sources for those stats, and here they are:

Ball state study on percentage of job displacement due to automation
Oxford study on the future of employment
Global Policy study on the potential loss of jobs to autonomous vehicles
Brookings Institute expert Mark Muro on the number of people it takes to produce a million dollars Special thanks to Bob Reselman. You can find him on Twitter at @reselbob. Here at ZDNet, we'll be keeping an eye on the overall question of AI's impact on work, both positive and negative. So stay tuned.


Visit the Kairos webiste

When Cancer Came to Our Home

No one in this life is exempt from struggles, heartaches, and difficulties.

Written by Luis Palau
Tags: Cancer, Difficulty, Healing, Hope, Sickness
Nearly 20 years after Patricia and I were married, we faced the biggest challenge of our lives when she discovered a lump in one breast. We were just finishing a six-city speaking tour in Scotland— and rushed back home to Portland, Oregon. Yes, there was a problem. A biopsy was necessary. Then came the doctor’s verdict.

For a moment we sat in stunned silence, trying to block out his awful words. “The tumor is malignant and radical surgery must be performed immediately. We can’t delay.” Surgery was scheduled for the following Monday.

Pat had cancer.

When we got back to the house, I headed to my office in the basement. Somehow I had to come to grips with this terrible blow, I told myself. But a hundred emotions welled up inside me, and I began to weep. This was the sort of thing that happens to other people, but not to my wife. Not to Pat.

My thoughts were instantly interrupted by the strains of a familiar old hymn. Where was it coming from? Our four boys were all at school. No one was in the house except Pat and me.

Slowly it dawned on me—Pat herself was playing the piano and singing, “How Firm a Foundation.” As the bottom was falling out of our lives, the Lord reminded us both how desperately we needed to base our security and strength in Him alone.

No one in this life is exempt from struggles, heartaches, and difficulties, of course. I’d known that since I was a boy. My own mother had been widowed at age thirty-five. That she was even able to keep our family together was a miracle. I was reminded, God will see us through these deep waters, too.

Deep waters they were
After I broke the news to our four boys, there was a long moment of silence. Then my youngest son, Steve, who was only eleven years old at the time, blurted out, “But, Daddy, people die from cancer!”

“That’s true, but we believe God is going to make Mommy better again. She won’t be feeling very well for a long time, so that will mean some changes around here, for all of us. You guys are going to have to not only learn to take care of yourselves, but also to help Mommy every way you can.”

While Pat was recuperating at home after surgery, we carefully reviewed all our well-laid plans. Everything was up for grabs. Pat didn’t want me to cancel a huge speaking engagement in Los Angeles, but I was torn up inside. I ended up taking the two youngest boys with me on my next trip. They were used to traveling with me from time to time. It turned out to be a good decision, one that helped ease the turbulent feelings we all were experiencing. Yes, Mommy was sick. But we would take good care of her while she tried to get better.

Pat started chemotherapy treatment, at first every week, then every other week when she got too sick. We knew the current statistics of survival rates and all the rest. But we refused to play the “What if?” game. Pat’s life was in God’s hands. We also refused to give in to blasphemy. We dared not shake our fist in God’s face, no matter what so-called experts said about “the need to vent your feelings.” Third, we refused to second-guess the medical treatment she was receiving. Her doctor knew what he was doing.

You wouldn’t believe the amount of free advice people dished out to us. I waylaid most of the least helpful articles and books that arrived in the mail to spare Pat the grief of tossing them herself. At one point I had to tell someone, “Look, lady, you can cut people’s hair, but you are not going to give us medical advice!” That was the last thing Pat needed at that point.

What she did need and so appreciated were the calls and visits of friends who listened and shared an appropriate verse of Scripture with Pat. Jeremiah 29:11 became a favorite:

“I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future.”
When Andrew, Steve, and I got back from Los Angeles, Pat and I talked again about my schedule. Hard decisions had to be made. That included canceling a trip in June to an international conference where I was scheduled to give a major address. Instead, after conferring with my colleagues, I decided to take the next year to focus more on media opportunities close to home.

The next year I did accept a speaking engagement in San Diego. It was delightful to have Pat join me. She spoke one morning to a group of 2,000 women about her struggles with cancer and the need to trust Jesus Christ to stand strong through life’s storms. I didn’t keep it a secret how much I admired her strength and endurance the past fourteen months despite repeated periods of weariness, sickness, discomfort, and pain.

Our two oldest sons, Kevin and Keith, flew out of the nest that fall, for their first semester at college. They returned home for the holidays a few days after a bone scan revealed Pat had no signs of cancer anywhere. We celebrated Christmas and New Year’s in a big way. We were all back together again. And Pat’s cancer was gone!

As a family, we couldn’t thank the Lord enough for sparing Pat’s life. In my heart, I also thanked God for using that time of adversity to give Pat a wider platform for ministry. Suddenly, editors were asking her for articles. She started receiving many more invitations to speak at women’s conferences and other events. With our four sons getting older, the timing couldn’t have been better.

Twenty years later, Pat and I occasion think back on those heart wrenching days while she battled cancer. The truth of Jeremiah 29:11 is more real to us than ever. We praise God for truly giving us a hope and a future.

God is a God of healing, but sometimes the healing is not of the physical body. Do you trust God enough to heal you in His way, even if that meant He was going to take you home? Ask for prayer for whatever sickness you have in your life.

Visit the Kairos webiste

How Technology Is Changing The Future Of Our Grocery Stores

According to a recent report, analysts believe that the online grocery market will grow from 4% of total sales to 20% by 2025, which is not too far away. The study points out that while most people will be concerned that the rise of online grocery could kill brick and mortar stores, they also believe that grocery stores will actually adjust their strategies to appeal to the digital shopper.

Before they can arrive at this shopping destination utopia of the future, grocery stores need to make an increased investment in a multi-channel experience and have a greater focus on incentivized digital loyalty programs. If they successfully do that, grocery stores will be able to co-exist in an environment that is quickly changing.

Tom Caporaso, the CEO of Clarus Commerce, an e-commerce solutions provider believes that Amazon’s decision to test several Go store concepts highlights the potential opportunities in the grocery industry in the coming years.

Caporaso advised, after moderate grocery sales growth in recent years, Amazon sees a chance to implement new bricks-and-mortar models that cater to consumers’ changing behaviors. Meanwhile, a new report says that online spending on groceries could increase five-fold by 2025, from its current 4.3% share of the market to 20%.

Established supermarkets clearly have to step up their efforts to retain and grow their audiences. That includes enhancing their online capabilities; expanding their ordering, pick-up, and delivery services to better suit their customers; and creating a seamless, convenient shopping experience across multiple channels — computers, mobile devices, and the stores themselves.

It also includes strengthening their loyalty programs. Shoppers are already more likely to join grocers’ programs than those of other businesses, and more liable to shop and spend more at stores that reward them for doing so. Caporaso also believes the key is to engage them with compelling offers that meet their evolving interests and desires.

Interestingly, cash back and rebates rank just behind product discounts as the most attractive benefits among shoppers of all ages, including Millennials, who now make up the largest demographic.

Amazon and countless other companies now see a variety of growth opportunities in the grocery industry. Supermarkets, therefore, need to keep exploring new offers and approaches; analyze their customer data incessantly; and use the lessons learned to develop a broad range of services, benefits, and messages that appeal to an increasingly digital consumer audience.

There is no longer a one size fits all approach with shoppers seamlessly switching between the art of showrooming and webrooming depending on what type of item they are purchasing. Maybe, we shouldn’t be too surprised to see that Amazon is aggressively pushing forward into the grocery market and while physical store Walmart increases their online presence.

In commerce, the blurred lines that have existed between our online and offline worlds are rapidly disappearing. But this can only be a positive thing as companies begin to understand exactly what the digital transformation means for businesses.

It seems that the future success of retailers in our imminent future is not about being online or offline but both. Caporaso recently revealed further insight into this fascinating topic on my podcast where he also talks about the strategy that both Amazon and Wal-Mart are already following.

 Neil Hughes Neil Hughes
Owner • Tech Blog Writer

Visit the Kairos webiste

The School Of The Future

Modern schools in developed countries look not the same they used to 50 years ago. The first most significant difference is much less paper. Instead of looking for information in bulky encyclopedias and catalogues, teachers and children use electronic databases and Wikipedia. But it is only the beginning. Leading Google experts tried to imagine how it would look like in 50 years.

Total Cooperation

Jonathan Rochelle, a director of Google department Apps for Education, supposes that by 2066, due to the spread of virtual technologies and additional reality, the cooperation between pupils will increase. Nowadays, if pupils need to work at one shared project they have to meet in one place, commonly in school, but in the future they will not have to do it as technologies will provide more opportunities for remote work.

In 2006 Rochelle was one of the developers of Google Docs package. Since then he has been working at many similar products, in particular at Google Classroom cloud platform that allows to improve and simplify the work of a teacher. Rochelle supposes that in the future schools will use such services on permanent basis, because even today we can see how the Internet is changing all spheres of our life. “We shouldn’t ignore the importance of social interaction and cooperation”, says Rochelle.

In the future children will be assessed and directed with the help of intellectual algorithms. It stands without saying, that we will not have fixed classes of children of the same age. Since the beginning of educational courses, the groups will be formed for each separate subject or aspect considering the abilities of pupils.

Such a system will allow to use the whole educational process more efficiently. Moreover, it will help to develop the abilities and skills that are predominant for each child that will result in early and successful career orientation.

Educational programs will also be formed individually, accordingly with pupils desires. Of course, there will be some general curriculum compulsory for all children. But then the technology, taking into consideration capacities and desires of each person, will decide what course will be optimal for the person. This will create the conditions to educate professionals and experts in some specific fields.


Robots and Teachers
The School Of The Future


The artificial intelligence has been improved a lot for 50 years and now devices can teach sometimes even better then live teachers. Even today in some Japanese banks human like robots are working as cashiers and porters near the door. By 2066 such robots can work as teachers. However, may be we will see such robots even earlier.We are likely to experience such changes really soon.

However, nobody can replace live teachers and the feedback they can provide. Besides, they will have to help engineers and scientist to introduce this school reform. Experts will not be able to cope with such a difficult task without the help of teachers knowing many peculiarities of work with children.   

The School Of The Future

Visit the Kairos webiste

Every time you speak, you shape your life and future;

For verily I say unto you, That whosoever shall
say unto this mountain, Be thou removed, and be
thou cast into the sea; and shall not doubt in his
heart, but shall believe that those things which he
saith shall come to pass; he shall have whatsoever
he saith
(Mark 11:23). 
Every time you speak, you shape your life
and future; you chart your course in life.
You’re today the result of your mouth-work. Proverbs
18:21 says, “Death and life are in the power of the
tongue…,” which means with your mouth, you can
choose which would be your lot—death or life. So, you
can see that you’re responsible for your life, because
what you say is what you get.
The Lord Jesus said, “For by thy words thou
shalt be justified, and by thy words thou shalt be
condemned” (Matthew 12:37). Notice that He didn’t
say, “By the words of your parents, friends, or teachers
in school, thou shall be justified or condemned,” no; it’s
going to be by the words that come out of your own
mouth. So, it’s up to you to chart your course towards
a greater and brighter future with your mouth. Don’t
talk about the problems and difficulties that may be
around you; declare your victories.
The Bible says, “Who shall separate us from
the love of Christ? shall tribulation, or distress, or 
persecution, or famine, or nakedness, or peril, or
sword?…Nay, in all these things we are more than
conquerors through him that loved us” (Romans
8:35-37). You can never be disadvantaged. God
already ordained your triumphant and victorious life;
therefore, you must speak accordingly. The Bible says
He has said, so that we might boldly affirm the same
things (Hebrews 13:6).
2 Peter 1:3 says, “According as his divine power
hath given unto us all things that pertain unto life
and godliness, through the knowledge of him that
hath called us to glory and virtue:” This should form
the basis for your faith-filled confessions. Affirm that
you have a great life. Acknowledge and declare that
you’re excellent and full of glory, living the life of
power, dominion, and righteousness. Keep speaking
the right words and your life will blossom from glory
to glory. Hallelujah!

I’m excellent and full of glory;
my path is as the shining light
that shines brighter and brighter
unto the perfect day! I’m living
the life of dominion, power,
and righteousness. I’m making
progress with giant strides, by
the power of the Spirit, and
through the Word. I’m walking
in increased grace, wisdom,
and divine provisions, in Jesus’
Name. Amen. 

Visit the Kairos webiste

After work, is what determines your future! Spend one hour per day doing these 5 things and your life will change forever!

Kalyana SundaramFollowKalyana Sundaram
Business Development Executive – ERP Services(ROW)
You finish work at 6 pm, go to bed at 12 midnight.

Within these six hours, how do you spend them?

Watching TV?

In fact, the activities you do between 6 am and 12 midnight,

the importance of it is beyond your imagination.

Too many people believe that,

your career is determined by the 8 hours of hard work and effort you put at work,

and your future and career progression depend on the boss and the company.

But the reality is that for most people, this thing, you are on your own…..


Read on…


“Cultivation”, it’s forever dependent by yourself.

If you found yourself not progressing in life,

you cannot blame and put the responsibility on your company for not grooming you.


1. What you do every night is important

My major in college was marketing, but I expect to become a designer.

So I practiced day and night,

picking up some freelance work to improve my design skills.

It took me a long time.

When I became a boss, I no longer need to involve myself in design work,

So I went back to the Marketing field.

Every day, when my children are sleeping,

I began learning to gain more knowledge, this again took me a long time,

But I begin to realise my returns.


If I rely on my working hours to gain skills,

then I will never have become a creative director and a product manager,

or like today, teaching MBA students on Marketing.

What I rely on, is myself giving myself “lessons”.

And the most successful people I knew, walked the same path as I am.

I have a friend who is a History graduate,

but he is interested in technical sales,

In the day, he does telemarketing, at night he learns how to code,

Finally, he became the vice president of sales in a startup company.

Now, he’s a CTO.

I have another friend, he received a degree in political science.

But he’s very interested in entrepreneurship.

he learnt a lot of knowledge on how to start up a company,

eventually, he founded a company and sold it,

Now he has reaped the rewards.


For them, what they do between 6 pm till 12 midnight,

is what determined their future.

Clearly, we need to balance life and work.

If you have a wife and children, every night, you have to stay with them.

Even if you are single, you also need a reasonable allocation of time to go to the gym, to meet with friends, or be alone to meditate and so on.

Of course, watching movies, playing games is good.

But there are things you do not need to do.

For example, watching the new season of a Netflix drama,

14 hours per week watching television (This is the average amount of time watching television).


The time spent playing the game Candy Crush.


Or spending time stalking your high school alumni on Facebook,

it does not seem to be good.

So what should you do?


2. Read more, anything will do!

My college mentor was born in Alabama,

A poor African family.

He was admitted to West Point Military Academy, and he became the first person in the family to go college.

Before going to Havard for his MBA, he’s a trained officer.

When I met him, he has already developed his career in the city of Colorado Springs.


I asked him, what’s his biggest success?

He replied, because he kept the habit of reading,

and he never stopped.

He believed that if you want to get what you want in life,

knowledge is the key.

He often asked his interviewees what book are they reading now,

the excellent ones can give an answer immediately.

Reading can give you a good headstart,

this is often what your peers cannot obtain.

Compared to others,

you are more likely to know other industries strategies and tactics,

and that may be helpful to your company.


You can transfer your knowledge within the organization,

create new possibilities for your company.

Moreover, your conversation topics will become more interesting.


Anthony Robbins said:

“If you spend one hour a day to learn about a topic,

a year later, in this regard,

the knowledge you gain will be more than 99.999% of the world’s people.”

Even if you have 30 minutes every night,

each week you can easily read a book.

You may not be an expert, but I promise,

you’ll know more than what your peers know.


3. Do some projects

You can apply the knowledge learnt to real work scenario,

this is only an ideal state.

If your company did not give you this opportunity,

create opportunities for yourself.

You can do some volunteer projects. They can bring you fame.

Working with a team,

you’ll understand how things work.

In the practical application of the industry,

and how it ultimately affect actual customers.

You’ll learn how to perform the task and meet deadlines,

and get feedbacks on what you are doing,

and benefit from it.


When you are not strong enough, these experience may not have any value to you.

But you are still a novice.

these experiences are far more valuable than the miserable pay you are getting.

If you can really convince others of your pockets of fruits of labour,

Then go try it. But do not let these private jobs affect your work.


4. Actively build your connections

In your career path,

a strong network of connections will make everything accelerate.

If you have not set up your own personal connections,

you’ll need to divide a portion of your time to do this.

A strong network of relationships, can enable you:

contact smart friends, and learn their opinions
get information and knowledge that are difficult to obtain
help the company look for more potential partners
or income generating opportunities
Go get to know your work colleague or boss…..


If you are an entrepreneur,

your network connections will be your early customers,

your staffs are a source of capital

rather than go home, or going to a bar,

you should find some inner circles.

There are many small groups which are highly relevant to your career.

You should try to integrate into these circles.

Every week, you can drink coffee together with new friends,

go drinking or have breakfast.


You can also look into everyone’s career developments on LinkedIn.

And establish a network with mentors in those professional industries.

They may be your next job employer, who knows?

Your connections will be your most powerful asset in the workplace.

Since you have time to watch “The Voice of China”,

you have time to build a social network.


5. The CHANGE of your LIFE starts TONIGHT

6 pm to 12 am, you go home, though physically and mentally tired,

you are free to do anything and do not have to take orders from others.

During this time,

you can switch off like switching off your computer at your workplace, switch off your brain.

But you can also do something,

make you smarter, stronger, have a wider network of people.

From the start tonight, take an hour a day to do these things,

I guarantee that after a year,

your career, and life will change.

ShareShare After work, is what determines your future! Spend one hour per day doing these 5 things and your life will change forever!

Visit the Kairos webiste