Q: People with great personalities are motivated to becoming the best version of themselves. Set goals for yourself, both personally and professionally, so you can reach your full potential. For instance, you might set a short term goal of working out three times this week. Your long term goal could be getting a promotion at work within a year. Make sure that the goals you set for yourself will push you beyond your comfort zone in some way. Otherwise, you will not grow from them. In order to achieve your goals, you'll need a plan. Write down what you want to do and each step required to achieve it. Celebrate at each step as you make it through! For instance, if you want to get a promotion, you might make it your goal to nail the presentation you have coming up. You might also set a goal of arriving to work early each day, taking on additional tasks, and completing a training to advance your skills. Trying something new can help teach you perseverance and improve your work ethic, both of which are important to personality. Identify something you want to learn or improve upon and start at it soon. You might choose something like cooking or learning a new language.
A: Set goals for yourself. Make an action plan. Learn a new skill.

Q: Credit unions and banks both offer options for personal loans, but each comes with its own set of advantages and disadvantages for you to consider. Before choosing to apply for a loan, you should determine what type of lending establishment you'd like to apply for your loan through. Credit unions are non-profit organizations that are member owned, whereas banks are often controlled by a board of trustees. Credit unions often offer lower interest rates than banks, but usually also offer fewer benefits to paying off your loan early. Most credit unions have eligibility requirements you must meet in order to become a member. These requirements may be that you work in a certain industry, live in a certain region, or belong to a specific association, religion or fraternal group. If you don't have good credit, you may want to consider applying for a secured loan instead of a strictly personal loan. Most personal loans do not require collateral, but require higher credit scores and result in higher interest rates due to the risk being assumed by the bank. Collateral in secured loans can be anything you possess of value that a bank is willing to accept as collateral toward a loan. Some people choose to use their car, house, or business as collateral. You can also use your savings as collateral toward a secured loan. Another way you can move forward despite less than perfect credit is by having a co-signer. A co-signer can help you get approved for a loan if your debt to income ratio is too high or you don't mean the minimum income requirements as well. Loan co-signers share in the responsibility of repaying the loan and will have to take over payments if you fail to make them properly. Failure to repay the loan will negatively impact both you and your co-signer's credit. If you already have a bank account with a bank you like, you may want to start by looking at their personal loan options, then look into some of the options provided by their competition. Each time you apply for a loan, an inquiry is triggered in your credit report, lowering it slightly, so don't apply for loans from multiple institutions. Instead, conduct preliminary research to help you decide which bank or banks you're sure you want to apply to. Contact lenders and ask them what their minimum credit score requirements are for personal loans. If you don't meet their minimum, you know to skip those lenders. Review loan options on lender websites. Some offer programs where additional payments will go toward the principal of the loan, reducing your remaining debt. Others add additional payments toward interest on future payments. If you are unsure about the options presented on a lender's website, contact them to ask for clarification.
A: Choose between a credit union or bank. Decide if you want to provide collateral. Consider having a co-signer. Compare loan options from different banks.

Q: Whether you speak up at a school assembly, community meeting, or town hall, your opinion will definitely be heard. Prepare yourself ahead of time with the arguments you will present, and you will be more effective at communicating your viewpoint. For example, maybe you believe that education should be a right for all. You've heard that your city is talking about taking more money away from education. You can show up to town meetings that are aimed at discussing the issue and present what your thoughts. Be clear in your presentation and don't beat around the bush. Say what you want clearly and concisely. Others may be unwilling to speak up on something, but they may be inspired if they see you take action first. A great and effective way to express your viewpoint is to write a letter to the people that represent you in government. You can write letters to people who govern your city, such as your school board or your mayor. You can write to people at the state level of government, such as members of congress or your governor. You can write to your national representatives, including the president, your representatives, and your senators. All of these people represent you, so you have a right to make your point heard. Express your point simply but completely, and keep the focus on your primary topic. For instance, say your city is starting a new project that you think is a complete waste of taxpayer money. You can write your mayor to tell them how you feel about it. A letter is sometimes more effective, but you can also contact your representatives through email or phone, if you prefer. Another way you can make your voice heard is through avenues like blogs and podcasts. A blog is just an online space where you make posts about anything you want. You can focus yours on issues you care about. How you set up your blog is up to you. That is, you can tell personal stories, bring up issues, or tell others' stories, just to name a few. A podcast is a audio recording available through online and mobile channels that's updated regularly. Like a blog, you can focus on whatever issues you want. One key to creating a blog or podcast is to update regularly. Most readers/listeners will want regular updates. You can share your blog on your social network to start gaining followers. Often, it is easier to take a stand when you're surrounded by people who share similar opinions because you can strengthen each other's conviction in your beliefs and keep each other well-informed. Additionally, working with an advocacy group can help you find more ways to advocate for your cause or create change. Since there is greater strength in numbers, you may be able to do more for your cause if you work with a group rather than alone. Advocacy groups are available for all types of issues, such as environmental groups or human rights organizations. If, for example, you have decided not to experiment with drugs or alcohol while in high school, you may benefit from joining a drug-free teen group. Check local organizations that support nonprofits in your area, as you'll find lots of places where you can put your beliefs into action. You can also use social media to find groups in your area, as well as the internet. Your local library may also be able to connect you with advocacy groups. You can also ask people you know who have similar beliefs. Often, they may already be involved in these groups, and they can help get you involved, too. Some jobs are just too large to accomplish on your own. Inform friends and family about what you're doing, and ask them to help or spread the word. The more people you convince to fight for your belief, the better off you'll be. Try galvanizing efforts on social media. You can organize meetings, online or offline, to take action together, or you can use social media to spread information about your cause by writing informational posts. Start a petition. Online petitions are a great way to gather signatures for a cause. You can use social media to spread the word.
A:
Express your opinion in a public forum. Write a letter. Start a blog or podcast. Join an advocacy group. Get help if you need it.