Julia Kothari

“Your mindset is about what you see, think, and believe. … It is the internal lens through which you see and navigate life. Mindset influences everything you see, as well as everything you do.”

Mindset is who you really are at your core. It’s your habitual way of thinking. While it’s not easy to change, the purpose of life is to evolve and become better a human being. So you should think about these human qualities from time to time and always endeavor to do better. Your mindset is what really differentiates you from your peers. If you work hard at developing what Jo Wong likes to call your human qualities, you’ll set yourself up for success in work and in life.

“Men acquire a particular quality by constantly acting in a particular way.”—Aristotle

Having the right mindset can be a competitive advantage when you’re seeking employment or advancement. According to Reed and Stoltz:

“Given the choice between someone with the desired mindset who lacks the complete skillset for the job and someone with the complete skillset who lacks the desired mindset, a total of 96 percent of the employers surveyed picked mindset over skillset as the key element in those that they seek and retain.”

These employers also believe that it’s much more likely that a person with the right mindset will be able to develop the required skillset than that a person with all the hard skills would develop the right mindset. Plus, the tactical skills that jobs require change over time, while the desired mindset is a constant. This is especially true of user experience jobs. The tactical skills that it takes to be a UX professional are forever evolving.

There are several qualities that it is especially important for UX professionals to have. These qualities are at the core of what makes UX professionals successful: empathy, intuition, creativity, passion, and the desire to learn throughout their career.

empathy—“The ability to understand and share the feelings of another.” —Oxford Dictionaries

First and foremost, UX professionals must be empathetic. As a UX professional, the primary focus of your work is on the wants and needs of the people who use the products that you create. Empathy enables you to understand other people’s motivations, needs, and emotions more deeply, and you can use that understanding to create better products for them. Having empathy lets you accurately perceive people’s needs—without your own lens introducing any distortions or occlusions. Whether you’re a UX researcher, strategist, or designer, empathy is an essential quality for you to develop. Being empathetic lets you look at things from different people’s perspectives and internalize what you see.

Having empathy—whether for colleagues, family, or friends—comes from focusing on someone else’s needs, struggles, and feelings. It requires that you open your heart to them and put their needs before your own. That you be fully with them in the moment. That you look deeply into their eyes and really see them for who they are. You need to be open to many different types of people from many different cultures. But you can’t connect with people when you’re feeling worried, defensive, angry, frightened, or ashamed.

“Empathy is about standing in someone else’s shoes, feeling with his or her heart, seeing with his or her eyes. Not only is empathy hard to outsource and automate, but it makes the world a better place.”—Daniel H. Pink

“If there is any one secret of success, it lies in the ability to get the other person’s point of view and see things from that person’s angle, as well as from your own.”—Henry Ford

intuition—“The ability to understand something immediately, without the need for conscious reasoning.”—Oxford Dictionaries

Having intuition is being open to the mysterious workings of your own mind—seeing what is or what might be clearly in your mind’s eye. Sometimes, through intuition, holistic solutions to problems may arise fully formed—or very nearly so—from your subconscious mind. At other times, your intuition may give you just the seed of a great idea. Intuition lets you draw connections between diverse inputs without conscious thought. The effort lies in gathering the relevant data for your subconscious mind to work on.

Intuition often plays a strong role in decision making. You rely on intuition when you must make decisions and take action on them very quickly, the problem or the solution is ambiguous, or there's no precedent to follow.

“The intuitive mind is a sacred gift and the rational mind is a faithful servant. We have created a society that honors the servant and has forgotten the gift.”—Albert Einstein

“You have to trust in something—your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.”—Steve Jobs

“Sometimes making a decision is hard, not because it is unpopular, but because it comes from your gut and defies a technical rationale. Much has been written about the mystery of gut, but it’s really just pattern recognition, isn’t it? You’ve seen something so many times you just know what’s going on this time. The facts may be incomplete or the data limited, but the situation feels very, very familiar to you.”—Jack Welch

creativity—“The use of the imagination or original ideas, especially in the production of an artistic work.”—Oxford Dictionaries

Being creative is allowing your intuition to reveal possibilities to you and following them in the moment—in other words, it’s being in flow, which Mihaly Csikszentmihalyi defines in his book Flow: The Psychology of Optimal Experience,as follows:

“The best moments usually occur when a person’s body or mind is stretched to its limits in a voluntary effort to accomplish something difficult and worthwhile. Optimal experience is thus something we make happen. … a state in which people are so involved in an activity that nothing else seems to matter; the experience is so enjoyable that people will continue to do it even at great cost, for the sheer sake of doing it. … achieve a joyous, self-forgetful involvement through concentration, which in turn is made possible by a discipline of the body.”

What prompted Csikszentmihalyi to do research on the flow state? According to Wikipedia:

“Mihaly Csikszentmihalyi and his fellow researchers began researching flow after Csikszentmihalyi became fascinated by artists who would essentially get lost in their work. Artists, especially painters, got so immersed in their work that they would disregard their need for food, water, and even sleep. Thus, the origin of research on the theory of flow came about when Csikszentmihalyi tried to understand this phenomenon experienced by these artists.”

Being in flow is a sort of meditative bliss state, in which your mind is more fully concentrated than at just about any other time. Great ideas come to you when you lose yourself in your work. Some of the best creative experiences come from working in collaboration with others—especially when you can achieve a flow state together. Flow brings joyfulness to your work.

Flow is all about focus, which is the antithesis of the monkey-mind nature of most people’s experience of the Web—with the mind jumping quickly from one thing to another. Just as with meditation, you can get better at calming your mind and connecting with your creativity through practice, practice, practice.

The source of creativity is your imagination. When creating, you synthesize all of the ideas that you’ve taken in from myriad sources and, magically, all of those inputs fall into place, forming a cohesive whole. This is your intuition at work.

All creativity involves improvisation—whether you’re designing user experiences, acting on a stage, jamming with a band, doing some form of creative writing, or making up a new recipe.

“To raise new questions, new possibilities, to regard old problems from a new angle requires creative imagination.”—Albert Einstein

“Creativity is just connecting things. … Creative people … able to connect experiences they’ve had and synthesize new things.”—Steve Jobs

“The organizations of the future will increasingly depend on the creativity of their members to survive. Great Groups offer a new model in which the leader is an equal among Titans. In a truly creative collaboration, work is pleasure, and the only rules and procedures are those that advance the common cause.”—Warren Bennis

“Creativity is contagious.”—Albert Einstein

passion—“An intense desire or enthusiasm for something.”—Oxford Dictionaries

Being an effective UX professional requires great drive, enthusiasm, and focus. To sustain the level of effort and concentration that the work demands, you must have a passion for your work. With passion, your work ceases to feel like work. Your passion keeps you focused on your goals, enables you to get things done and take risks when necessary, and makes it possible for you to realize your vision. Always strive to do great work! Don’t settle for less. Don’t compromise on quality.

Love your work and you’ll have the motivation to continually hone your skills and expand your areas of competency, as you must forever do in this field. When you work with passion, you can reach your full potential.

“Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do.”—Steve Jobs

“Pleasure in the job puts perfection in the work.”—Aristotle

“You have to be burning with an idea, or a problem, or a wrong that you want to right. If you’re not passionate enough from the start, you’ll never stick it out.”—Steve Jobs

learning—“The acquisition of knowledge or skills through experience, study, or by being taught.”—Oxford Dictionaries

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After acceptance, within 10 working days (new since the law of February 28, 2022), the bank must establish an amendment to the loan offer, by recalculating the overall effective rate of the loan which includes the cost of insurance . The obligation to inform policyholders is reinforced. Each year, the insurer must inform the insured of the existence of the right to termination at any time, indicating the deadlines to be observed and the methods of implementation. If you request a delegation of insurance, the bank does not have the right to modify the interest rate conditions of the loan that appear in your offer.

In particular, it cannot increase it to compensate for its loss of insurance earnings. And it should not charge delegation fees or other additional fees. The borrower insurance contract must however present a level of guarantee or coverage equivalent to the group insurance contract. The insurance contract must offer a level of guarantee equivalent to the initial insurance contract. In the event of refusal of the proposed insurance contract, the initial insurance contract is not terminated.

When the borrower sends the lending institution a request for substitution of borrower insurance, the lender is required to accept the new contract, unless it does not present a level of guarantee equivalent to the initial contract (article L313-30 of the Consumer Code). From now on, the borrower can change loan insurance at any time, without waiting for the anniversary date: The rights of termination and substitution of contract do not concern borrower insurance taken out to guarantee consumer credit. After signing your loan offer, you still have the right to change borrower insurance by substituting another contract, provided that the guarantees are equivalent (article L313-30 of the Consumer Code). The bank has a period of 10 working days (corresponding to working days) to accept or refuse it.

To send his request for termination of his borrower insurance, the insured is no longer required to send it by registered letter or by electronic registered mail. He can now choose from the following procedures (article L.113-14 of the Insurance Code): Any decision of refusal must be reasoned and explained. It must include all the reasons for refusal, indicating, if necessary, the information and guarantees missing in the new borrower insurance proposal.

The Lemoine law of February 28, 2022 “for fairer, simpler and more transparent access to the borrower insurance market” aims to facilitate access to borrower insurance and introduce more competition into this market. Knowing that the cost of insurance represents between 10 and 15% of the total cost of credit, the use of delegation of insurance can allow substantial savings, but in the case of coverage by individual contract, the delegation of Rather, insurance is aimed at “good risks” or specific risks. In addition, you should not make your choice based on price alone, but also ensure the quality, scope and durability of the cover offered to you.

Pay particular attention to exclusions, cancellable contracts or those whose premium is revisable. To study market offers according to your profile (age, family situation, profession, etc.), you can use online comparators designed by online brokers or insurers. The bank must not change the initial rate of the loan, whether fixed or variable. And it must not charge any fees for modifying the loan agreement, for issuing the endorsement (according to article L313-31 of the Consumer Code, last paragraph, "The lender may not require additional fees from the borrower for the issuance of this endorsement.”) nor any fees for analyzing the new insurance (sometimes referred to as “delegation fees”). The distinction between termination at any time during the first year of taking out the mortgage and then annual termination after the first year of the loan no longer exists.

The lending bank is obliged to justify its decision to refuse the borrower insurance offered by delegation, by referring to the list of 11 criteria indicated in the standardized information sheet (article L313-10 of the Consumer Code) .