This email was sent to me by a friend and I wanted to share it with you.
TICK - TOCK - TICK - TOCK....
Time flies, when your having fun or just running in place!
Where were you that New Year's Eve night in 1999 as the last seconds ticked down to zero before the start of a new millennium?
Remember the mass hysteria? The media was in frenzy over "Y2K". The sky was falling, all the computers in the world were supposedly going to conk out, the power stations were going to go kerkplunk, they gave TV spots on CNN to raving lunatics who believed the world would end and had gathered wearing tinfoil hats to be taken away in the mother ship to planet Mars with the other true believers by the two-headed green space-men...and even mostly normal everyday folks who didn't subscribe to 'Guns and Ammo', and 'Paranormal Phenomena' had a stockpiled Y2K panic room with canned foods, guns, bottled water and playing cards "just in case".
Not that long ago, it may seem. Yet SNAP your fingers, a DECADE has flown by as of tomorrow.
Time flies, they say.
How do YOU feel about how you've invested these last 10 years?
Most people feel life is too short, there's not enough time to do what you want to do. Most folks come to the end of their life feeling like they never did most of the things they hoped. There just wasn't enough time, they lament.
Theirs is a coulda, woulda, shoulda kind of regret.
I say there IS enough time. I say time is *plentiful* for those who live with purpose.
Why do I say that? Because of CHOICE.
Because only you get to choose what you use your time for. Which means if we replace ONE hour per day of mindlessly checking email, channel surfing and listening to the radio while driving.... or if we just DELEGATE one hour per day of $10 per hour tasks and tackle $1000 per hour projects instead - we multiply our productivity.
Want to feel like there's "enough time"?
First you must put a HIGH value on your time.
Many of us need to learn to say NO to more people, projects and pursuits that don't push us forward towards our ultimate purpose or distract us from the FOCUS required to put our time where it gives us the most benefit.
That might mean:
* chucking the TV out a second story window (checking to make sure neither Jerry Springer nor any other person is below in harm's way)
* paying someone to clean your house, do your laundry, shop for your groceries
* saying "no" to mindless morning radio and listening instead to some good old fashioned "Automobile University" audio training (as Zig Ziglar would call it.)
* unsubscribing from more time-wasting emails that add no value to our life
* politely (or impolitely if necessary) turning away from the people all of us seem to have in our life who thrive on pointless gossip about stuff that doesn't matter and want to bend your ear with it till the cows come home
* outsourcing more and more $10/hour tasks off your plate to make room for the big stuff
* planning your work every day, and working your plan so we can get that important stuff checked off our list
Speaking of lists...
Do you have a "bucket list" yet that you have WRITTEN DOWN? A list of things you want to be/do/have before you 'kick the bucket' ? I bet you can get a good % of that list crossed off in 2010 if you get serious about it.
Because if I know one thing to be true, as we look at the coming year, it's this:
Good, bad, or indifferent... You and I both deserve to have an even better decade than this past one.
True? And I for one am going after it.
I get the feeling you're the kind of person who will be too. So, trust me, this is a great and fun tool to help you do just that!
Here's to squeezing ALL the juice out of this orange called life (in 2010 and beyond)...
I hope you enjoyed this as much as I did.
Happy New Year!
To Your Success
Scott
P.S. Today's lesson: There's plenty of time. As long as we prize our time highly.
TICK - TOCK -TICK - TOCK.
Thursday, December 31, 2009
Tuesday, November 24, 2009
What I am thankful for.
I am thankful that I don't already have everything I desire.
If I did, what would I have to look forward to?
I am thankful when I don't know something,
for it gives me the opportunity to learn.
I am thankful for all the difficult times I have faced.
During those times I have learned to stretch and grow.
I am thankful for all of my limitations,
because they give me the opportunities for improvement.
I am thankful for each new challenge that I face,
because they will build my strength and character.
I am thankful for all the people who wish bad things upon me,
because you fuel my motivation to be successful.
I am thankful for all the people who have treated me bad in life,
because you have inspired me to be a better human being.
I am thankful for all the hard choices I have had to make,
because they have given me the opportunities to be strong.
I am thankful for the loved ones I have lost,
because it has shown me that I can love deeper than I have ever thought possible.
I am thankful for all my mistakes in life.
They have taught me many valuable lessons.
I am thankful when I am tired and weary,
because it means that I have made a difference.
It's easy to be thankful for only the good things.
However, A life of rich fulfillment comes to those who
are also thankful for the setbacks.
Gratitude can turn a negative into a positive.
Find a way to be thankful for your troubles,
and they soon will become your blessings.
I hope everyone has a safe, happy and healthy Thanksgiving
If I did, what would I have to look forward to?
I am thankful when I don't know something,
for it gives me the opportunity to learn.
I am thankful for all the difficult times I have faced.
During those times I have learned to stretch and grow.
I am thankful for all of my limitations,
because they give me the opportunities for improvement.
I am thankful for each new challenge that I face,
because they will build my strength and character.
I am thankful for all the people who wish bad things upon me,
because you fuel my motivation to be successful.
I am thankful for all the people who have treated me bad in life,
because you have inspired me to be a better human being.
I am thankful for all the hard choices I have had to make,
because they have given me the opportunities to be strong.
I am thankful for the loved ones I have lost,
because it has shown me that I can love deeper than I have ever thought possible.
I am thankful for all my mistakes in life.
They have taught me many valuable lessons.
I am thankful when I am tired and weary,
because it means that I have made a difference.
It's easy to be thankful for only the good things.
However, A life of rich fulfillment comes to those who
are also thankful for the setbacks.
Gratitude can turn a negative into a positive.
Find a way to be thankful for your troubles,
and they soon will become your blessings.
I hope everyone has a safe, happy and healthy Thanksgiving
Thursday, October 29, 2009
Using Stumbling Blocks as Stepping Stones
Everyone makes mistakes in life and in business and the busier you are, the more mistakes you will make. The only question is "How well and how effectively do you deal with the inevitable ups and downs of life?"
In this post, you learn the difference between a positive and negative worldview. You learn how to benefit from your mistakes and how to remain positive in the face of adversity.
Let the Light Shine In:
This is achieved through the simple exercise of self-disclosure. For you to truly understand yourself, or to stop being troubled by things that may have happened in your past, you must be able to disclose yourself to at least one person. You have to be able to get those things off your chest. You must rid yourself of those thoughts and feelings by revealing them to someone who won't make you feel guilty or ashamed for what has happened.
Using Stumbling Blocks as Stepping Stones:
There are two ways to look at the world: the benevolent way or the malevolent way. People with a malevolent or negative worldview take a victim stance, seeing life as a continuous succession of problems and a process of unfairness and oppression. They don't expect a lot and they don't get much. When things go wrong, they shrug their shoulders, complain and passively accept that this is the way life is and there isn't anything they can do to make it better.
On the other hand, people with a benevolent or positive worldview see the world around them as filled with opportunities and possibilities. They believe that everything happens as part of a great process designed to make them successful and happy. They approach their lives, their work, and their relationships with optimism, cheerfulness, and a general attitude of positive expectations and happiness. They expect a lot and they are seldom disappointed.
Flex Your Mental Muscles:
When you develop the skill of learning from your mistakes, you become the kind of person who welcomes obstacles and setbacks as opportunities to flex your mental muscles and move ahead. You look at problems as rungs on the ladder of success that you grab onto as you pull your way higher.
Two of the most common ways to deal with mistakes are invariably fatal to high achievement. The first common but misguided way to handle a mistake is the failure to accept it when it occurs. According to statistics, 70 percent of all decisions we make will be wrong. That's an average. This means that some people will fail more than 70 percent of the time, and some people will fail less. It is hard to believe that most of the decisions we make could turn out to be wrong in some way. In fact, if this is the case, how can our society continue to function at all?
Cut Your Losses:
The fact is that our society, our families, our companies, and our relationships continue to survive and thrive because intelligent people tend to cut their losses and minimize their mistakes. It is only when people refuse to accept that they have made a bad choice or decision-and prolong the consequences by sticking to that bad choice or decision-that mistakes become extremely expensive and hurtful.
Learn From Your Mistakes:
The second common approach that people take with regard to their mistakes, one that hurts innumerable lives and careers, is the failure to use your mistakes to better yourself and to improve the quality of your mind and your thinking.
Learning from your mistakes is an essential skill that enables you to develop the resilience to be a master of change rather than a victim of change. The person who recognizes that he has made a mistake and changes direction the fastest is the one who will win in an age of increasing information, technology and competition.
By remaining fast on your feet, you will be able to out-play and out-position your competition. You will become a creator of circumstances rather than a creature of circumstances.
Action Exercises:
First, imagine that your biggest problem or challenge in life has been sent to you at this moment to help you, to teach you something valuable and not hurt you. What could that teaching be?
Second, be willing to cut your losses and walk away if you have made a mistake or a bad choice. Accept that you are not perfect, you can't be right all the time, and then get on with your life.
Third, learn from every mistake you make. Keep a journal and write down every lesson that each mistake contains. Use your mistakes in the present as stepping stones to great success in the future.
In this post, you learn the difference between a positive and negative worldview. You learn how to benefit from your mistakes and how to remain positive in the face of adversity.
Let the Light Shine In:
This is achieved through the simple exercise of self-disclosure. For you to truly understand yourself, or to stop being troubled by things that may have happened in your past, you must be able to disclose yourself to at least one person. You have to be able to get those things off your chest. You must rid yourself of those thoughts and feelings by revealing them to someone who won't make you feel guilty or ashamed for what has happened.
Using Stumbling Blocks as Stepping Stones:
There are two ways to look at the world: the benevolent way or the malevolent way. People with a malevolent or negative worldview take a victim stance, seeing life as a continuous succession of problems and a process of unfairness and oppression. They don't expect a lot and they don't get much. When things go wrong, they shrug their shoulders, complain and passively accept that this is the way life is and there isn't anything they can do to make it better.
On the other hand, people with a benevolent or positive worldview see the world around them as filled with opportunities and possibilities. They believe that everything happens as part of a great process designed to make them successful and happy. They approach their lives, their work, and their relationships with optimism, cheerfulness, and a general attitude of positive expectations and happiness. They expect a lot and they are seldom disappointed.
Flex Your Mental Muscles:
When you develop the skill of learning from your mistakes, you become the kind of person who welcomes obstacles and setbacks as opportunities to flex your mental muscles and move ahead. You look at problems as rungs on the ladder of success that you grab onto as you pull your way higher.
Two of the most common ways to deal with mistakes are invariably fatal to high achievement. The first common but misguided way to handle a mistake is the failure to accept it when it occurs. According to statistics, 70 percent of all decisions we make will be wrong. That's an average. This means that some people will fail more than 70 percent of the time, and some people will fail less. It is hard to believe that most of the decisions we make could turn out to be wrong in some way. In fact, if this is the case, how can our society continue to function at all?
Cut Your Losses:
The fact is that our society, our families, our companies, and our relationships continue to survive and thrive because intelligent people tend to cut their losses and minimize their mistakes. It is only when people refuse to accept that they have made a bad choice or decision-and prolong the consequences by sticking to that bad choice or decision-that mistakes become extremely expensive and hurtful.
Learn From Your Mistakes:
The second common approach that people take with regard to their mistakes, one that hurts innumerable lives and careers, is the failure to use your mistakes to better yourself and to improve the quality of your mind and your thinking.
Learning from your mistakes is an essential skill that enables you to develop the resilience to be a master of change rather than a victim of change. The person who recognizes that he has made a mistake and changes direction the fastest is the one who will win in an age of increasing information, technology and competition.
By remaining fast on your feet, you will be able to out-play and out-position your competition. You will become a creator of circumstances rather than a creature of circumstances.
Action Exercises:
First, imagine that your biggest problem or challenge in life has been sent to you at this moment to help you, to teach you something valuable and not hurt you. What could that teaching be?
Second, be willing to cut your losses and walk away if you have made a mistake or a bad choice. Accept that you are not perfect, you can't be right all the time, and then get on with your life.
Third, learn from every mistake you make. Keep a journal and write down every lesson that each mistake contains. Use your mistakes in the present as stepping stones to great success in the future.
Tuesday, July 28, 2009
SILVER and GOLD coins
Hello everyone. Have I got some exciting news for you. Those of you that know me, understand that I am not usually an advocate of network marketing groups AKA MLM's. However, I have broken my own rule and joined this amazing company and I want to share some information with you explaining why.
I like to think that I am smart enough to answer the door when opportunity knocks and this is not only an incredible once in a life time opportunity, but the following is just amazing news. So much so that I have joined up with this company.
OK here is the kicker:
Peter Jensen & Chris Paraldi are resigning as directors of YTB for this company!
Yes, you read that right. Level 6 Director Peter Jensen has resigned from YTB as a director giving up his health insurance and director perks and bonuses, as has Chris Paraldi. If you are unfamiliar with who these two gentleman are you should try looking them up.
Ok so real quick, for those that may not know, Peter Jensen made almost $2.5 million from YTB last year but he is giving that all up for this new company that I am now apart of with both Peter and Chris. Never before have I been personally involved in such a high end move and now you have your chance to be involved too!
Peter Jensen has been in network marketing for 15 years having sold software to mlm companies as well as been a top producer. He is the real deal. His team represents over 60% of YTB. He has been with them for 6 years but is giving that all up to explode this new company,
https://www.numisnetwork.com/scott.
"I have never seen a more explosive and powerful compensation plan"
- Peter Jensen
I have to agree with him. I have been to a lot of mlm meetings and seen a lot of compensation plans. This one is powerful! It combines the residual and growth of a binary with the bonuses of a YTB. It is the best I have ever seen as well. Many, many, many YTB directors will hear of Peter's exodus and jump onboard. This is you MLM chance to be frontline to perhaps the greatest growth in MLM history. We have all wanted to be at the top of a mpany, now not only is it your chance to do that, it is also your chance to be at the top with me and 2 top producers!
If you want to be on PJ's, Chris Paraldi's and my team, go to https://www.numisnetwork.com/scott and sign up now. It is $299 to sign up and $99 a month and that buys you...MONEY!
You see, Numis deals in SILVER and GOLD government backed collector coins. All graded MS70 and certified and all having a value. What this means is that these coins are perfect. they have never been circulated or touch by human hands.
Think you will ever get tired of having a bunch of silver and gold coins laying around?!? I didn't think so! You see, they will always carry a value and if you watch any TV you have noticed that a lot of companies are hot on buying
gold and silver right now. More Americans are saving instead of spending and this companies helps you acquire assets each month for only $99 a month and of course if you tell people about this company and promote this amazing opportunity, you get those assets for FREE!
The move is happening NOW! Will you be on the train with us? I can guarantee you that few people ever get this opportunity to jump on board with a team like this at a time like this with a brand new company like this. Numis is just over 60 days old, still in pre-launch and has around 1500 active people in it in the world. This is seriously your chance to be with a proven multi-million dollar producer and some other great team members including myself.
I see this as a very easily educated roll of the dice. Run with us for 6 months. Worst case scenario you decide to cancel and you have 6 assets (Silver Eagle Dollar coins) that you can either sell or keep. If you have told anyone about this, with the crazy bonuses Numis offers, you probably got the coins for free.
There you have it, let's rock and roll people!
Scott Charmel
https://www.numisnetwork.com/scott
I like to think that I am smart enough to answer the door when opportunity knocks and this is not only an incredible once in a life time opportunity, but the following is just amazing news. So much so that I have joined up with this company.
OK here is the kicker:
Peter Jensen & Chris Paraldi are resigning as directors of YTB for this company!
Yes, you read that right. Level 6 Director Peter Jensen has resigned from YTB as a director giving up his health insurance and director perks and bonuses, as has Chris Paraldi. If you are unfamiliar with who these two gentleman are you should try looking them up.
Ok so real quick, for those that may not know, Peter Jensen made almost $2.5 million from YTB last year but he is giving that all up for this new company that I am now apart of with both Peter and Chris. Never before have I been personally involved in such a high end move and now you have your chance to be involved too!
Peter Jensen has been in network marketing for 15 years having sold software to mlm companies as well as been a top producer. He is the real deal. His team represents over 60% of YTB. He has been with them for 6 years but is giving that all up to explode this new company,
https://www.numisnetwork.com/scott.
"I have never seen a more explosive and powerful compensation plan"
- Peter Jensen
I have to agree with him. I have been to a lot of mlm meetings and seen a lot of compensation plans. This one is powerful! It combines the residual and growth of a binary with the bonuses of a YTB. It is the best I have ever seen as well. Many, many, many YTB directors will hear of Peter's exodus and jump onboard. This is you MLM chance to be frontline to perhaps the greatest growth in MLM history. We have all wanted to be at the top of a mpany, now not only is it your chance to do that, it is also your chance to be at the top with me and 2 top producers!
If you want to be on PJ's, Chris Paraldi's and my team, go to https://www.numisnetwork.com/scott and sign up now. It is $299 to sign up and $99 a month and that buys you...MONEY!
You see, Numis deals in SILVER and GOLD government backed collector coins. All graded MS70 and certified and all having a value. What this means is that these coins are perfect. they have never been circulated or touch by human hands.
Think you will ever get tired of having a bunch of silver and gold coins laying around?!? I didn't think so! You see, they will always carry a value and if you watch any TV you have noticed that a lot of companies are hot on buying
gold and silver right now. More Americans are saving instead of spending and this companies helps you acquire assets each month for only $99 a month and of course if you tell people about this company and promote this amazing opportunity, you get those assets for FREE!
The move is happening NOW! Will you be on the train with us? I can guarantee you that few people ever get this opportunity to jump on board with a team like this at a time like this with a brand new company like this. Numis is just over 60 days old, still in pre-launch and has around 1500 active people in it in the world. This is seriously your chance to be with a proven multi-million dollar producer and some other great team members including myself.
I see this as a very easily educated roll of the dice. Run with us for 6 months. Worst case scenario you decide to cancel and you have 6 assets (Silver Eagle Dollar coins) that you can either sell or keep. If you have told anyone about this, with the crazy bonuses Numis offers, you probably got the coins for free.
There you have it, let's rock and roll people!
Scott Charmel
https://www.numisnetwork.com/scott
Thursday, July 2, 2009
TIP: words that end with "ly"
I just picked up this cool tip from a good friend of mine who's truly a Master Wordsmith.
Apparently, certain words that end with "ly" can be sneakily used in your copy to slowly and hypnotically influence your readers.
Obviously, these words easily slip into their minds under their radar and you can clearly see how these words work powerfully as persuasion weapons.
Quite evidently, I've already led by example in using all these
words in the couple of paragraphs earlier...
* obviously * clearly * Slowly
* apparently * certainly * easily
* powerfully * evidently * Insantly
Spot them? : - )
Then next time you write copy, try to sprinkling your copy with a liberal
dose of these words that end with "ly".
I think you might easily wind up amazed at how much more 'hypnotic' your copy instantly becomes.
Hope you found this quick tip useful.
Apparently, certain words that end with "ly" can be sneakily used in your copy to slowly and hypnotically influence your readers.
Obviously, these words easily slip into their minds under their radar and you can clearly see how these words work powerfully as persuasion weapons.
Quite evidently, I've already led by example in using all these
words in the couple of paragraphs earlier...
* obviously * clearly * Slowly
* apparently * certainly * easily
* powerfully * evidently * Insantly
Spot them? : - )
Then next time you write copy, try to sprinkling your copy with a liberal
dose of these words that end with "ly".
I think you might easily wind up amazed at how much more 'hypnotic' your copy instantly becomes.
Hope you found this quick tip useful.
Friday, June 12, 2009
The truth on House Bill 1728
From: Bill Bronchick @ legalwiz.com
I've received a number of emails from people claiming that House Bill 1728 will eliminate owner financed deals to once every 36 months.
This is patently FALSE.
Become an informed citizen and read it yourself:
http://www.govtrack.us/congress/bill.xpd?bill=h111-1728
This bill aims to include owner financed deals within the definition of "Truth in Lending" law.
I've always instructed in my courses and seminars that you should comply with Truth in Lending, which requires just a few simple disclosures.The bill also would, in theory, make a person who sells a home a "mortgage originator".
This would require compliance with RESPA, which I've always instructed in my courses and seminars that you should comply with anyway. Finally, the bill would require that you actually qualify your buyer. It prohibits, "lending without due regard of the mortgagor's ability to repay". Duh! Only a fool would put someone in an owner financed house deal without checking their income, debt and credit.
All in all, there's nothing to worry about here for investors, it's just a matter of compliance with some federal rules and a couple of disclosures.
I've received a number of emails from people claiming that House Bill 1728 will eliminate owner financed deals to once every 36 months.
This is patently FALSE.
Become an informed citizen and read it yourself:
http://www.govtrack.us/congress/bill.xpd?bill=h111-1728
This bill aims to include owner financed deals within the definition of "Truth in Lending" law.
I've always instructed in my courses and seminars that you should comply with Truth in Lending, which requires just a few simple disclosures.The bill also would, in theory, make a person who sells a home a "mortgage originator".
This would require compliance with RESPA, which I've always instructed in my courses and seminars that you should comply with anyway. Finally, the bill would require that you actually qualify your buyer. It prohibits, "lending without due regard of the mortgagor's ability to repay". Duh! Only a fool would put someone in an owner financed house deal without checking their income, debt and credit.
All in all, there's nothing to worry about here for investors, it's just a matter of compliance with some federal rules and a couple of disclosures.
Tuesday, May 12, 2009
Banks Abusing Tax Payers...AGAIN!
Ok, now I am getting disgusted. Today I have heard it all.
Several U.S. banks that have already been bailed out by the government due to toxic non performing assets, including Citigroup, Goldman Sachs, Morgan Stanley and JPMorgan Chase, are discussing how they can buy MORE BAD DEBT! They apparently want to buy the assets that are about to be sold by rival banks under the Treasury's $1 trillion plan.
John Mack, Morgan Stanley's chief executive, stated that his bank was considering how to become "one of the firms that can buy these assets and package them where your clients will have access to them," according to the Financial Times.
Spencer Bachus, the top Republican on the House financial services committee, said it would mark "a new level of absurdity" if financial institutions were "colluding to swap assets at inflated prices using taxpayers' dollars."
A new level of absurdity! Are they kidding? Absurdity like a $1 trillion bailout of financial institutions who are using our money, the taxpayers money, to go on corporate vacations and golf outings, who are borrowing taxpayers money at 0% from the government and then buying government secured bonds at 3% interest instead of helping people keep their homes!
I speak with good people everyday who need help. I do not agree with bailouts of ANY institution at any level. We are a capitalist society, let the economy work itself out and have the politicians STOP interfering.
If a company screws up we have a solution called BANKRUPTCY. The same solution that so many "professionals" and politicians want homeowners to use to solve their problems. However, these financial institutions do not have to suffer the same fate? I say these companies should be forced to reorganize their debt and either grow up and accept responsibility for their actions or close up shop and make way for a new company.
Mortgages are adjusting to ridiculous numbers. Credit card interest rates are skyrocketing for NO REASON. Lines of credit are being shut down. People are loosing their homes, cars and jobs. And these companies are receiving $1 trillion of taxpayer money!
Can someone please give us any incentive to pay our credit card bills, mortgage payments etc and take responsibility for our debt, when these institutions are not?
In my eyes we are already giving them ONE TRILLION DOLLARS, which is going to be used to buy MORE BAD DEBT!
Then what? Is Obama going to write another fat taxpayer check?
Several U.S. banks that have already been bailed out by the government due to toxic non performing assets, including Citigroup, Goldman Sachs, Morgan Stanley and JPMorgan Chase, are discussing how they can buy MORE BAD DEBT! They apparently want to buy the assets that are about to be sold by rival banks under the Treasury's $1 trillion plan.
John Mack, Morgan Stanley's chief executive, stated that his bank was considering how to become "one of the firms that can buy these assets and package them where your clients will have access to them," according to the Financial Times.
Spencer Bachus, the top Republican on the House financial services committee, said it would mark "a new level of absurdity" if financial institutions were "colluding to swap assets at inflated prices using taxpayers' dollars."
A new level of absurdity! Are they kidding? Absurdity like a $1 trillion bailout of financial institutions who are using our money, the taxpayers money, to go on corporate vacations and golf outings, who are borrowing taxpayers money at 0% from the government and then buying government secured bonds at 3% interest instead of helping people keep their homes!
I speak with good people everyday who need help. I do not agree with bailouts of ANY institution at any level. We are a capitalist society, let the economy work itself out and have the politicians STOP interfering.
If a company screws up we have a solution called BANKRUPTCY. The same solution that so many "professionals" and politicians want homeowners to use to solve their problems. However, these financial institutions do not have to suffer the same fate? I say these companies should be forced to reorganize their debt and either grow up and accept responsibility for their actions or close up shop and make way for a new company.
Mortgages are adjusting to ridiculous numbers. Credit card interest rates are skyrocketing for NO REASON. Lines of credit are being shut down. People are loosing their homes, cars and jobs. And these companies are receiving $1 trillion of taxpayer money!
Can someone please give us any incentive to pay our credit card bills, mortgage payments etc and take responsibility for our debt, when these institutions are not?
In my eyes we are already giving them ONE TRILLION DOLLARS, which is going to be used to buy MORE BAD DEBT!
Then what? Is Obama going to write another fat taxpayer check?
Friday, April 10, 2009
DON'T QUIT
When things go wrong, as they sometimes will,
When the road you're trudging seems all uphill,
When the funds are low and the debts are high,
And you want to smile but you have to sigh,
When care is pressing you down a bit,
Rest if you must, but don't you quit.
For life is queer with its twists and turns,
As every one of us sometimes learns,
And many a failure turns about,
When he might have won if he'd stuck it out.
Success is just failure turned inside out,
The silver tint of the clouds of doubt.
And you never can tell how close you are,
It may be near when it seems so far.
So stick to the fight when you're hardest hit,
It's when things seem worst that
YOU MUST NOT QUIT!
----Anonymous*
When the road you're trudging seems all uphill,
When the funds are low and the debts are high,
And you want to smile but you have to sigh,
When care is pressing you down a bit,
Rest if you must, but don't you quit.
For life is queer with its twists and turns,
As every one of us sometimes learns,
And many a failure turns about,
When he might have won if he'd stuck it out.
Success is just failure turned inside out,
The silver tint of the clouds of doubt.
And you never can tell how close you are,
It may be near when it seems so far.
So stick to the fight when you're hardest hit,
It's when things seem worst that
YOU MUST NOT QUIT!
----Anonymous*
Sunday, April 5, 2009
The Questions for Lifelong Happiness
You may not realize this, but you already have everything you need to create a wonderful life for yourself. You already know everything you need to know to be your own best friend, a gentle guide, a teacher and a helper to yourself so you can be truly happy and fulfilled in your life.
You can learn how to become your own psychotherapist for life, and how to resolve the difficulties that stand between you and your personal joy.
Be Honest With Yourself
The starting point of becoming your own best friend is for you to be perfectly honest with yourself and your relationships. Refuse to practice self-delusion or hope for the best.
For example, when something is making you unhappy, for any reason, the situation will tend to get worse rather than better. So avoid the temptation to engage in denial, to pretend that nothing is wrong, to wish and hope and pray that, whatever it is, it will go away and you won't have to do anything.
The fact is that it probably will get worse before it gets better and that ultimately you will need to face the situation and do something about it.
Deal With Your Problem at a Higher Level
There's an old saying that you can't solve a problem on the level that you meet it. This means that wrestling with a persistent problem is often fruitless and frustrating.
For example, if two people that are in a relationship together are constantly fighting and negotiating and looking for some way to resolve their difficulties, they may be attempting to solve the problem on the wrong level. Dealing with the problem on a higher level, those people would ask the question, "In terms of being happy, is this the right relationship for us in the first place?"
Find the Right Job For You
Many people work very hard and experience considerable frustration trying to do a particular job. However, in terms of their own happiness, the right answer might be to do something else, or to do what they're doing in a different place, or to do it with different people-or all three.
Here are a few questions for you to answer in this arena of happiness. Write them down at the top of a sheet of paper, and then write as many answers to each one as you possibly can.
#1 What Would It Take?
The first question is: "What would it take for me to be perfectly happy?" Write down every single thing that you can imagine would be in your life if you were perfectly happy at this very moment. Write down things such as health, happiness, prosperity, loving relationships, inner peace, travel, car, clothes, homes, money, and so on. Let your mind run freely. Imagine that you have no limitations at all.
#2 What is Holding You Back?
The second question is a little tougher. Write down at the top of a page this question: "In what situations in my life, and with whom, am I not perfectly happy?" Force yourself to think about every part of your day, from morning to night, and write down every element that makes you unhappy or dissatisfied in any way. Remember, proper diagnosis is half the cure. Identifying the unsatisfactory situations is the first step to resolving them.
#3 Determine Your Happiest Moment
The third question will give you some important guidelines. Write down at the top of a sheet of paper these words: "In looking over my life, where and when have I been the happiest? Where was I, with whom was I, and what was I doing?"
Decide What to Do
Once you have the answers to those questions, think about what you can do, starting immediately, to begin creating the kind of life that you dream of. It may take you a week, a month, or a year, but that doesn't matter. Every single thing you do that moves you closer to your ideal vision will be rewarding in itself. You'll become a more positive and optimistic person. You'll feel more confident and more in charge of your life, and you'll achieve true peace of mind.
Action Exercises
First, examine your business and personal relationships carefully. Is there any situation you wouldn't get into again if you had it to do over?
Second, make a list of every single thing in your life that would make you happy and then think about what you could do to begin achieving them.
Third, allow yourself to dream and fantasize about your ideal life, what it would look like and feel like, and then do something every day to make it a reality.
You can learn how to become your own psychotherapist for life, and how to resolve the difficulties that stand between you and your personal joy.
Be Honest With Yourself
The starting point of becoming your own best friend is for you to be perfectly honest with yourself and your relationships. Refuse to practice self-delusion or hope for the best.
For example, when something is making you unhappy, for any reason, the situation will tend to get worse rather than better. So avoid the temptation to engage in denial, to pretend that nothing is wrong, to wish and hope and pray that, whatever it is, it will go away and you won't have to do anything.
The fact is that it probably will get worse before it gets better and that ultimately you will need to face the situation and do something about it.
Deal With Your Problem at a Higher Level
There's an old saying that you can't solve a problem on the level that you meet it. This means that wrestling with a persistent problem is often fruitless and frustrating.
For example, if two people that are in a relationship together are constantly fighting and negotiating and looking for some way to resolve their difficulties, they may be attempting to solve the problem on the wrong level. Dealing with the problem on a higher level, those people would ask the question, "In terms of being happy, is this the right relationship for us in the first place?"
Find the Right Job For You
Many people work very hard and experience considerable frustration trying to do a particular job. However, in terms of their own happiness, the right answer might be to do something else, or to do what they're doing in a different place, or to do it with different people-or all three.
Here are a few questions for you to answer in this arena of happiness. Write them down at the top of a sheet of paper, and then write as many answers to each one as you possibly can.
#1 What Would It Take?
The first question is: "What would it take for me to be perfectly happy?" Write down every single thing that you can imagine would be in your life if you were perfectly happy at this very moment. Write down things such as health, happiness, prosperity, loving relationships, inner peace, travel, car, clothes, homes, money, and so on. Let your mind run freely. Imagine that you have no limitations at all.
#2 What is Holding You Back?
The second question is a little tougher. Write down at the top of a page this question: "In what situations in my life, and with whom, am I not perfectly happy?" Force yourself to think about every part of your day, from morning to night, and write down every element that makes you unhappy or dissatisfied in any way. Remember, proper diagnosis is half the cure. Identifying the unsatisfactory situations is the first step to resolving them.
#3 Determine Your Happiest Moment
The third question will give you some important guidelines. Write down at the top of a sheet of paper these words: "In looking over my life, where and when have I been the happiest? Where was I, with whom was I, and what was I doing?"
Decide What to Do
Once you have the answers to those questions, think about what you can do, starting immediately, to begin creating the kind of life that you dream of. It may take you a week, a month, or a year, but that doesn't matter. Every single thing you do that moves you closer to your ideal vision will be rewarding in itself. You'll become a more positive and optimistic person. You'll feel more confident and more in charge of your life, and you'll achieve true peace of mind.
Action Exercises
First, examine your business and personal relationships carefully. Is there any situation you wouldn't get into again if you had it to do over?
Second, make a list of every single thing in your life that would make you happy and then think about what you could do to begin achieving them.
Third, allow yourself to dream and fantasize about your ideal life, what it would look like and feel like, and then do something every day to make it a reality.
Thursday, April 2, 2009
Five Ways to Become Wealthy
The Five Roads to Financial Success in America and How to Choose Your Own
There are basically five ways that you can become wealthy starting with nothing in America based on over 25 years of research into American millionaires.
The First Way
Number one, you can inherit it. Less than only 10 percent of wealthy Americans inherited any of their money, and this number is becoming less and less every single year.
The Second Way
The second way that you can become wealthy is you can achieve it professionally. You can become a doctor or a lawyer or an architect or an accountant. You can become extremely good at what you do, be paid very well, and hold as tight as possible to your money.
The Third Way
The third way you can achieve it is you can become a senior executive of a large corporation. You can be highly paid; you can have stock options and bonuses. Provided that the company has staying power and you stay with the company long enough, for enough years, you can be paid enough to become wealthy.
The Fourth Way
You can win it. But only a tiny fraction of one percent of wealthy Americans got that way by winning their money some way or another. As a matter of fact, the odds against you winning the lottery are the equivalent of lightning striking twice in the same place. They're millions and millions to one.
The Best Way
The fifth way that you can become wealthy is you can start your own business and earn it all by yourself. Starting your own business has been and will always be the high road to becoming wealthy for most self-made millionaires.
Entrepreneurship in America offers more opportunities and opens more doors than all other possibilities put together. This is why it has been said that if you have the ability to start your own business and you don't do it, you are a fool. I'll repeat that. If you have the ability to start your own business and you don't do it, you're a fool.
Where do you start?
You start by getting your finances under control.
The very first thing you do is you make a decision to get your finances under control. Some years ago, a man named George Classon wrote a book called The Richest Man In Babylon. It's a classic on financial success and what Classon said in that book was that the key to becoming wealthy is to pay yourself first.
Take ten percent off your earnings, off your gross income every month and put it aside. Learn to live on ninety percent or less of your gross income. So the very first thing that you do is you begin to save your money.
Action Exercises
First, resolve today to begin saving your money a little bit at a time. Set a goal to save 10% of your earnings, to put it away and to never touch it. This will change your life.
Second, immediately register your own business or sole proprietorship. Open a bank account, get business cards and letterhead and create the corporate entity under which you can do business.
Your business opportunities will appear far sooner than you think. If you build it, they will come
There are basically five ways that you can become wealthy starting with nothing in America based on over 25 years of research into American millionaires.
The First Way
Number one, you can inherit it. Less than only 10 percent of wealthy Americans inherited any of their money, and this number is becoming less and less every single year.
The Second Way
The second way that you can become wealthy is you can achieve it professionally. You can become a doctor or a lawyer or an architect or an accountant. You can become extremely good at what you do, be paid very well, and hold as tight as possible to your money.
The Third Way
The third way you can achieve it is you can become a senior executive of a large corporation. You can be highly paid; you can have stock options and bonuses. Provided that the company has staying power and you stay with the company long enough, for enough years, you can be paid enough to become wealthy.
The Fourth Way
You can win it. But only a tiny fraction of one percent of wealthy Americans got that way by winning their money some way or another. As a matter of fact, the odds against you winning the lottery are the equivalent of lightning striking twice in the same place. They're millions and millions to one.
The Best Way
The fifth way that you can become wealthy is you can start your own business and earn it all by yourself. Starting your own business has been and will always be the high road to becoming wealthy for most self-made millionaires.
Entrepreneurship in America offers more opportunities and opens more doors than all other possibilities put together. This is why it has been said that if you have the ability to start your own business and you don't do it, you are a fool. I'll repeat that. If you have the ability to start your own business and you don't do it, you're a fool.
Where do you start?
You start by getting your finances under control.
The very first thing you do is you make a decision to get your finances under control. Some years ago, a man named George Classon wrote a book called The Richest Man In Babylon. It's a classic on financial success and what Classon said in that book was that the key to becoming wealthy is to pay yourself first.
Take ten percent off your earnings, off your gross income every month and put it aside. Learn to live on ninety percent or less of your gross income. So the very first thing that you do is you begin to save your money.
Action Exercises
First, resolve today to begin saving your money a little bit at a time. Set a goal to save 10% of your earnings, to put it away and to never touch it. This will change your life.
Second, immediately register your own business or sole proprietorship. Open a bank account, get business cards and letterhead and create the corporate entity under which you can do business.
Your business opportunities will appear far sooner than you think. If you build it, they will come
Friday, March 27, 2009
Becoming a Motivational Leader
Create a Big Vision
To become a motivational leader, you must start with motivating yourself. You motivate yourself by creating a big vision, and as you move progressively toward its realization, you motivate and enthuse others to work with you to fulfill that vision.
Set High Standards
You must exhibit absolute honesty and integrity with everyone in everything you do. You are the kind of person others admire and respect and want to be like. You must set a standard that others aspire to. You must live in truth with yourself and with others so that they feel confident giving you their support and their commitment.
Face Your Fears
You must demonstrate courage in everything you do by facing doubts and uncertainties and moving forward regardless of your fears. You have to put up a good front even when you feel anxious about the outcome. You must not burden others with your fears and misgivings. Keep them to yourself. You must constantly push yourself out of your comfort zone and in the sole direction of your goals. And no matter how bleak the situation might appear, you have to keep on keeping on with a smile.
Be Realistic About Your Situation
You must be intensely realistic. You have to refuse to engage in mental games or self-delusion. You should encourage others to be realistic and objective about their situations as well. You can encourage them to realize and appreciate that there is a price to pay for everything that they may want. People will have weaknesses that they will have to overcome, and they have standards that they will have to meet, if they want to survive and thrive in a competitive market, there is no other way.
Accept Responsibility
You must accept complete responsibility for results that occur, good or bad. Refuse to make excuses or blame others or hold grudges against people who you feel may have wronged you. It is a waist of time and energy. Say, "If it's to be, it's up to me." Repeat these words over and over along with the words, "I am responsible. I am responsible. I am responsible."
Take Vigorous Action
Finally, you must take action. You know that all mental preparation and character building is merely a prelude to action. It's not what you say but what you do that counts. The mark of the true leader is that he or she leads the action. He or she is willing to go first. He or she sets the example and acts as the role model. He or she does what he or she expects others to do.
Strive For Excellence
Become a motivational leader by motivating yourself first. And you motivate yourself by striving toward excellence, by committing yourself to becoming everything you are capable of becoming. You motivate yourself by throwing your whole heart into doing your job in an excellent fashion. You motivate yourself and others by continually looking for ways to help others to improve their lives and achieve their goals. You become a motivational leader by becoming the kind of person others want to get behind and support in every way.
Your main job is to take complete control of your personal evolution and become a leader in every area of your life. You could ask for nothing more, and you should settle for nothing less.
Action Exercises
First, see yourself as an outstanding person, parent, coworker, spouse, friend and leader in everything that you do. Pattern your behavior after the very best people you know and the very best of your role models. Set high standards and refuse to compromise them. Except and expect nothing but greatness.
Second, be clear about your goals and priorities and then take action that moves you continually forward. Develop a sense of urgency in everything that you do. Keep moving forward at all costs and you'll automatically keep yourself and others motivated.
To become a motivational leader, you must start with motivating yourself. You motivate yourself by creating a big vision, and as you move progressively toward its realization, you motivate and enthuse others to work with you to fulfill that vision.
Set High Standards
You must exhibit absolute honesty and integrity with everyone in everything you do. You are the kind of person others admire and respect and want to be like. You must set a standard that others aspire to. You must live in truth with yourself and with others so that they feel confident giving you their support and their commitment.
Face Your Fears
You must demonstrate courage in everything you do by facing doubts and uncertainties and moving forward regardless of your fears. You have to put up a good front even when you feel anxious about the outcome. You must not burden others with your fears and misgivings. Keep them to yourself. You must constantly push yourself out of your comfort zone and in the sole direction of your goals. And no matter how bleak the situation might appear, you have to keep on keeping on with a smile.
Be Realistic About Your Situation
You must be intensely realistic. You have to refuse to engage in mental games or self-delusion. You should encourage others to be realistic and objective about their situations as well. You can encourage them to realize and appreciate that there is a price to pay for everything that they may want. People will have weaknesses that they will have to overcome, and they have standards that they will have to meet, if they want to survive and thrive in a competitive market, there is no other way.
Accept Responsibility
You must accept complete responsibility for results that occur, good or bad. Refuse to make excuses or blame others or hold grudges against people who you feel may have wronged you. It is a waist of time and energy. Say, "If it's to be, it's up to me." Repeat these words over and over along with the words, "I am responsible. I am responsible. I am responsible."
Take Vigorous Action
Finally, you must take action. You know that all mental preparation and character building is merely a prelude to action. It's not what you say but what you do that counts. The mark of the true leader is that he or she leads the action. He or she is willing to go first. He or she sets the example and acts as the role model. He or she does what he or she expects others to do.
Strive For Excellence
Become a motivational leader by motivating yourself first. And you motivate yourself by striving toward excellence, by committing yourself to becoming everything you are capable of becoming. You motivate yourself by throwing your whole heart into doing your job in an excellent fashion. You motivate yourself and others by continually looking for ways to help others to improve their lives and achieve their goals. You become a motivational leader by becoming the kind of person others want to get behind and support in every way.
Your main job is to take complete control of your personal evolution and become a leader in every area of your life. You could ask for nothing more, and you should settle for nothing less.
Action Exercises
First, see yourself as an outstanding person, parent, coworker, spouse, friend and leader in everything that you do. Pattern your behavior after the very best people you know and the very best of your role models. Set high standards and refuse to compromise them. Except and expect nothing but greatness.
Second, be clear about your goals and priorities and then take action that moves you continually forward. Develop a sense of urgency in everything that you do. Keep moving forward at all costs and you'll automatically keep yourself and others motivated.
Monday, March 9, 2009
How Teamwork Actually Works
Teamwork is a joint action by a group of individuals, in which each person subordinates there individual interests and opinions for the unity and efficiency of the group.
This does not mean that individuals are no longer important; however, it does mean that effective and efficient teamwork goes beyond any single individual.
The most effective teamwork is produced when all the individuals involved harmonize their contributions, take responsibility for there actions and work towards a common goal.
In order for teamwork to succeed, each person involved must be a team player. A team player is one who subordinates personal aspirations and works in a coordinated effort with all other members of a group, in striving for a common goal.
If the team or group fails, it is NOT the fault or responsibility of one individual, but rather a failed attempt by the entire group. After all, a chain is only as strong as its weakest link.
People who decide to not make a decision or refuse to act are simply afraid to fail. People who are afraid to fail are also afraid to take chances. However, optimal solutions to difficult problems almost always require taking a chance.
People who care the most always want the best and typically come up with the most suggestions to team problems. It is then up to the team to research and act upon those suggestions. One member of a team cannot force other members to perform as a unit.
When things need to be improved, team players want to see those improvements. People who are self centered and do not care about the success of the team will shoot down, criticize, take no action and blame other team members for things not going the correct way.
A corollary is that people, who care the most, will find other options for better more fulfilling and productive environments; if all of there efforts are pushed aside by those who choose to do nothing. So, they will go elsewhere to locate a better team environment.
An organization, group or team which does not perform as a unit, will lose its best people first.
This does not mean that individuals are no longer important; however, it does mean that effective and efficient teamwork goes beyond any single individual.
The most effective teamwork is produced when all the individuals involved harmonize their contributions, take responsibility for there actions and work towards a common goal.
In order for teamwork to succeed, each person involved must be a team player. A team player is one who subordinates personal aspirations and works in a coordinated effort with all other members of a group, in striving for a common goal.
If the team or group fails, it is NOT the fault or responsibility of one individual, but rather a failed attempt by the entire group. After all, a chain is only as strong as its weakest link.
People who decide to not make a decision or refuse to act are simply afraid to fail. People who are afraid to fail are also afraid to take chances. However, optimal solutions to difficult problems almost always require taking a chance.
People who care the most always want the best and typically come up with the most suggestions to team problems. It is then up to the team to research and act upon those suggestions. One member of a team cannot force other members to perform as a unit.
When things need to be improved, team players want to see those improvements. People who are self centered and do not care about the success of the team will shoot down, criticize, take no action and blame other team members for things not going the correct way.
A corollary is that people, who care the most, will find other options for better more fulfilling and productive environments; if all of there efforts are pushed aside by those who choose to do nothing. So, they will go elsewhere to locate a better team environment.
An organization, group or team which does not perform as a unit, will lose its best people first.
Monday, February 23, 2009
Fortune Favors the Brave
Boldness is a necessary part of courage but it must be a boldness based on an intelligent assessment of the potential risks and rewards. The wonderful nature of boldness is that, properly directed, it builds the habit of courage in the person who practices it.
Act Boldly in Every Situation
In my experience, any virtue translated into action leads almost invariably to positive results. This applies to integrity, persistence, courtesy, love and courage. I've always liked the advice of an old man to his grandson. "Act boldly and unseen forces will come to your aid."
Take a Leap of Faith
Perhaps the most obviously important part of courage is the courage to step out in the face of uncertainty. Every great venture in the history of man has begun with faith and a giant leap into the unknown.
General Douglas MacArthur said, "There is no security in life, only opportunity." The creed of Frederick The Great, one of history's most successful leaders was, "Audacity, audacity-always audacity."
Launch With No Guarantees
A 12-year study of successful entrepreneurs conducted by Babson College concluded that the only thing they had in common was the willingness to launch, to step out in faith. Once they had started, they learned the lessons they needed to succeed. Many of them ending up successful in completely different businesses from where they started.
Dare to Go Forward
Dare to go forward. Successful companies and people are invariably those that continue to research, develop, experiment and introduce new products and services - even during the deepest recessions. Successful executives are those who are continually stretching themselves to move out of the comfort zone, to face the twin fears of failure and rejection and to move forward in spite of them.
Action Exercises
First, just do it! Step out in faith! If you think of some action you can take to improve your life, give it a try. You may be surprised.
Second, when in doubt, act with audacity. Audacity may get you into trouble but even more audacity will get you out.
Life is too short.......Go for it!
Act Boldly in Every Situation
In my experience, any virtue translated into action leads almost invariably to positive results. This applies to integrity, persistence, courtesy, love and courage. I've always liked the advice of an old man to his grandson. "Act boldly and unseen forces will come to your aid."
Take a Leap of Faith
Perhaps the most obviously important part of courage is the courage to step out in the face of uncertainty. Every great venture in the history of man has begun with faith and a giant leap into the unknown.
General Douglas MacArthur said, "There is no security in life, only opportunity." The creed of Frederick The Great, one of history's most successful leaders was, "Audacity, audacity-always audacity."
Launch With No Guarantees
A 12-year study of successful entrepreneurs conducted by Babson College concluded that the only thing they had in common was the willingness to launch, to step out in faith. Once they had started, they learned the lessons they needed to succeed. Many of them ending up successful in completely different businesses from where they started.
Dare to Go Forward
Dare to go forward. Successful companies and people are invariably those that continue to research, develop, experiment and introduce new products and services - even during the deepest recessions. Successful executives are those who are continually stretching themselves to move out of the comfort zone, to face the twin fears of failure and rejection and to move forward in spite of them.
Action Exercises
First, just do it! Step out in faith! If you think of some action you can take to improve your life, give it a try. You may be surprised.
Second, when in doubt, act with audacity. Audacity may get you into trouble but even more audacity will get you out.
Life is too short.......Go for it!
Friday, January 2, 2009
Looking Forward in 2009
OK, so I have been getting some flack from my loyal readers about not posting in some time. I would like to say that I am sorry for that. The holiday season seems to pre-occupy my time and thoughts. For those of you that know me, you know that I am a very festive person and too much of my time and energy seems to go towards holiday cheer.
So now I am back. Ready to start some writing and get some things underway. In doing some research around the web I came across an article I would like to share that tickled my fancy. Please have a look at it. The article is very light hearted but does change the doom and gloom perspective that so many of us seem to have about 2009.
Please enjoy and as always to your success.
http://content.kiplinger.com/businessresource/forecast/archive/a_dozen_good_things_in_2009_081224.html
So now I am back. Ready to start some writing and get some things underway. In doing some research around the web I came across an article I would like to share that tickled my fancy. Please have a look at it. The article is very light hearted but does change the doom and gloom perspective that so many of us seem to have about 2009.
Please enjoy and as always to your success.
http://content.kiplinger.com/businessresource/forecast/archive/a_dozen_good_things_in_2009_081224.html
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