Monday, August 31, 2009
Have Everything At Hand
One of the best ways for you to overcome procrastination and get more things done faster is for you to have everything you need at hand before you begin. When you are fully prepared, you are like a cocked gun or an archer with an arrow pulled back taut in the bow. You just need one small mental push to get started on your highest value tasks.
Clear Your Workspace
Begin by clearing off your desk or workspace so that you only have one task in front of you. If necessary, put everything on the floor or on the table behind you. Gather all the information, reports, details, papers, and work materials that you will require to complete the job. Have them at hand so you can reach them without getting up or moving. Be sure that you have all writing materials, computer disks, access codes, email addresses and everything else you need to start and continue working until the job is done.
Make It Comfortable
Set up your work area so that it is comfortable, attractive and conducive to working for long periods. Especially, make sure that you have a comfortable chair that supports your back and allows your feet to sit flat on the floor.
The most productive people take the time to create a work area where they enjoy spending time. The cleaner and neater your work area before you begin, the easier it is for you to get started and keep going.
Assume The Position
When you sit down, with everything in front of you, ready to go, assume the body language of high performance. Sit up straight, sit forward and away from the back of the chair. Carry yourself as though you were an efficient, effective high performing personality. Then, pick up the first item and say to yourself, "Let's get to work!" and plunge in. And once you've started, keep going until the job is finished.
Here are two things you can do immediately to put these ideas into action.
First, take a good look at your desk or office, both at home and at the office. Ask yourself, "What kind of a person works in an environment like that?"
Second, resolve today to clean up your desk and office completely so that you feel effective, efficient and ready to get going each time you sit down to work.
This is the second installment in a 3-part series of articles.
Where the Miracle Begins
Sometimes, defeat is the best beginning. Why? Well for one thing, if you’re at the very bottom, there’s only one way to go—up. But more important, if you’re flat on your back, mentally and financially, you’ll usually become sufficiently disgusted to reach way deep down inside yourself and pull out miracles. Pull out talents and pull out abilities and pull out your desires and determination. When you’re flat broke or flat miserable, you’ll eventually become so disgusted that you’ll pull out the basic essentials required to make everything better.
It’s in the face of adversity that things begin to change, that you begin to change. With enough disgust, desire and determination to change your life, you’ll start saying, “I’ve had it. Enough of this. No more. Never again!”
Here’s where the miracle begins. “I’ve had it. Enough. No more. Never again.” These words and these thoughts really rattle the power of time and fate and circumstances. And these three things, time and fate and circumstances, all get together and say, “Okay. Okay. We can see that we have no power here; we’re facing some major resolve! This guy’s not going to give up. He’s had it. He’s done with all this nonsense. We’d better step aside and let this guy get by!” Inspiration through disgust.
A lot of people don’t change themselves. They wait for change. These poor unfortunate folks accept their defeats and wallow in their self-pity. Why? Because they refuse to take control of the situation. They refuse to take control of their life, their career, their health, their relationships, their finances. They refuse to take responsibility and get sufficiently disgusted to change it.
If you are disgusted, if you are in need of some change, if this book finds you in the middle of your own personal slump, then I have some words to offer. Your present failure is a temporary condition. It is only a temporary condition. You will rebound from failure, just as surely as you gravitated into failure.
One time, when I was in the midst of a bout of failure, somebody suggested that I should tell myself, “This too shall pass.” I firmly believe that you’re only given as much as you can handle, as much negativity, as much failure, as much disappointment. This too shall pass, if you grasp for a new beginning. You need to pull yourself up and move back into the world with a plan.
As foolish as it might sound, you should be thankful for your current limitations or failures. They are the building blocks from which to create greatness. You can go where you want to go. You can do what you want to do. You can become what you want to become. You can do it all, starting now, right where you are.
A father talks about his daughter. She’s gone through some pretty tough times, and as he tells it, she’s a pretty tough person. He has a unique way of describing his daughter’s situation, though. While most parents would be frantic, even for their kids who are grown and gone, this man just smiles and says that his daughter is like a frog in a jar of cream: She keeps kicking and kicking and kicking, and pretty soon the milk will turn into a lump of butter and she’ll be able to jump out. That’s an interesting illustration of tenacity, because that’s how it really works. You’ve got to keep trying and trying and trying. You’ve got to have enough resolve to do it until.
Some of the most inspiring success stories have started with failure. Longfellow started in failure. Michelangelo started in failure. Lincoln started in failure. Rod Serling wrote 40 stories before he had one that was accepted. Walt Disney was fired by a newspaper that felt he had no talent. Richard Byrd crashed his plane on his first solo trip before he became one of the world’s greatest explorers. And the success stories continue.
Be grateful for your adversity. At the same time, make sure that it’s working for your future, not against you. Make your failures give birth to great opportunity, not prolonged agony. Make your disgust lead to inspiration, not depression. The world will willingly sit by and let you wallow in your sorrows… until you die broke and alone. And here’s what else the world will do. The world will step aside and let you by, once you decide that your present situation is only temporary. The doors will open once you decide to get back on your feet and make your mark.
You have to care. In your own enlightened self-interest, give a run at adventure. Keep your eyes firmly set on achievement. Don’t settle for mere existence and self-pity. Make a commitment to excellence. And remember, it is your challenge, your own personal challenge, to use all your gifts and skills and talents and knowledge to survive and succeed.
To Your Success,
Friday, August 28, 2009
by Jack Canfield
Pop Quiz: When was the last time you acknowledged and appreciated yourself?
That’s right: YOU. Not your spouse, not your children, not your boss, co-workers or friends. Just YOU!
Seriously, think about it!
And if it’s been too long since your last pat on the back, then I want you to take the time right now to acknowledge and appreciate yourself for everything you've accomplished today, throughout the year, and in life.
Ask yourself: How many times have you succeeded in the past month? The past year? The past 10 years? Are you able to recall your successes as easily as your failures and missteps?
This is not a selfish or egotistical act in the least. By taking the time to stop and appreciate who you are and what you’ve achieved—and perhaps learned through a few mistakes, stumbles and losses—you actually can enhance everything about you!
Self-acknowledgment and appreciation are what give you the insights and awareness to move forward toward higher goals and accomplishments.
In working with top leaders and thought philosophers of our time, I will tell you that among their secrets of success is a regular practice of acknowledging and appreciating what they have.It can offer an oracle into the future because it not only tells you where you are but it also helps clarify where you want to go in life. Whatever that might be. The road then becomes easier to navigate—easier to see from the distance and walk confidently step by step.
Don’t forget to think about both big and little accomplishments. Many people under-appreciate the minor things they do successfully every day . And yet they can recall in detail all the times they have failed or made mistakes. That's because the brain remembers events more easily when they are accompanied by strong emotions.
For example, you might vividly recall a graduation, losing 10 pounds, having a child, winning an award, or landing a highly sought after position. But see if you can identify just as many minor, more subtle successes, such as your intimate conversation with your spouse last night, the re-connection you established with an estranged friend last month, the quality time you were able to spend with your children today, how you checked off all your list of To-Dos for the weekend, how you learned a new task at work, or got your kid to school on time.
These may seem like minor acts in the grand scheme of life, but they are what make us feel whole, happy, and accomplished along the journey toward those larger, and much more deeply satisfying moments.
Acknowledging your mistakes also has it pluses, but we often don’t have trouble recalling or mulling over those. The point is, if you don't acknowledge your successes the same way you acknowledge your mistakes, you're sure to have a memory full of blunders. And a mind stuffed with negative chatter about the gaffes of life won’t fuel your energy, nor your confidence, creativity, and motivation to keep going.
Consider this, too: if you only remember the mistakes and failures, you won't be as ready to take risks that will lead to your successes. Build your self-esteem by recalling all the ways you have succeeded and your brain will be filled with images of you making your achievements happen again and again.
Give yourself permission to toot your own horn and don’t wait for anyone to praise you. Here are two suggestions:
1.) Record Your Personal History. Take time to write your achievements down. Start when you were very young and think of all your achievements since then. Don't just pick the major milestones; write down all the things you take for granted. For example, if you list your college degree, write your appreciation for having the opportunity to go to college and forge friendships that will last a lifetime.
You can also create a log of success every day and review it when you are faced with a new challenge. By writing it all down daily, you're securing it in your long-term memory and it will become a part of what makes you tick. It can even become a source of positive reminders and affirmations for when you’re feeling down, as well as a personal record of you that becomes your legacy.
2.) Celebrate Yourself with Mementos. Surround yourself with reminders of your successes. Put up pictures, articles, trophies, awards and other pieces that bring your attention to your success. Make your environment speak to you about your achievements. Be proud of them!
By the way, showing appreciation for yourself and accomplishments has many rewards that go far beyond boosting your own self-confidence.
Appreciating yourself creates a cascading affect—your heightened confidence will spill over into other aspects of your life. Watch what happens when you gain that special trust in yourself. You’ll attract opportunities, experience more fulfilling relationships, and have no trouble reaching loftier goals.
Remember, people like to be around those who have a healthy self-esteem and who are achieving their goals. Commit to acknowledging your achievements and your brain will begin to tell you the truth: that you can do anything!
© 2009 Jack Canfield
Wednesday, August 26, 2009
Instead, we ought to be looking at our own skills, opportunities, life situations, etc. to determine what it would mean for us to be a success in our own mind rather than someone else’s.
Thus, the key to “success” is all in the head—our head! We develop our own thinking about what it will mean to become a success.
The frustration comes in when we look at what someone else thinks is a success and try to attain it, only to find it elusive.
For one person, being a success may mean to make $100,000 a year. For another it may be $250,000. Another may not be concerned with the yearly income but be more concerned with a net worth.
Still another may not be motivated by money and may consider himself a success by how many street kids he gets pointed in the right direction and into a productive life.
Now the temptation would be for the person working with street kids to think they aren’t a “success” because they don’t make much money. The temptation for the person making $100,000 may be to think they aren’t a “success” until they make $250,000. And the temptation for the person making $250,000 may very well be to think they aren’t a “success” because they aren’t helping street kids! And round and round it goes when we are gauging ourselves by another’s measure of success.
So my advice is this: Set your own course, and stay on course. Don’t measure yourself against any other standard of success. Do what you do best and the rest will take care of itself.
Here is the truth. Being a success is doing your best, not being the best.
When we get to that point, we will experience a lot more joy and a lot less frustration. That sounds good to me!
But that’s hardly the only variety of procrastination—which is one of my own favorite hiding places when I try to blame external conditions instead of myself for some difficulty. Mine comes with a gnawing feeling of being fatigued, always behind. I try to tell myself that I’m taking it easy and gathering my energies for a big new push, but procrastination differs markedly from genuine relaxation—which is truly needed. And it saves me no time or energy. On the contrary, it drains both, leaving me with self-doubt on top of self-delusion.
We’re all very busy. Every day we seem to have a giant to-do list of people to see, projects to complete, e-mails to read, e-mails to write. We have calls to answer and calls to make, then more calls to people with whom we keep playing voice-mail tag.
Henri Nouwen’s classic book Making All Things New likens our lives to “overstuffed suitcases that are bursting at the seams.”
Feeling there is forever far too much to do, we say we’re really under the gun this week. But working hard or even heroically to solve a problem is little to our credit if we created the problem in the first place. When most people refer to themselves as being under the gun, they want to believe, or do believe, that the pressures and problems are not of their own making. In most cases, however, the gun appeared after failure to attend to business in good time. Instead of being proactive early, they procrastinated until the due date became a crisis deadline.
By the Inch Life’s a Cinch, by the Yard It’s Hard
One of the best escapes from the prison of procrastination is to take even the smallest steps toward your goals. People usually procrastinate because of fear and lack of self-confidence and, ironically, become even more afraid when under the gun. There are many ways to experiment and test new ground without risking the whole ball game on one play.
Experience has shown that when people go after one big goal at once, they invariably fail. If you had to swallow a 12-ounce steak all at once, you’d choke. You have to cut the steak into small pieces, eating one bite at a time. So it is with prioritizing. Proactive goal achievement means taking every project and cutting it up into bite-sized pieces. Each small task or requirement on the way to the ultimate goal becomes a mini-goal in itself. Using this method, the goal becomes manageable. When mini-mistakes are made, they are easy to correct. And with the achievement of each mini-goal, you receive reinforcement and motivation in the form of positive feedback. As basic as this sounds, much frustration and failure is caused when people try to “bite off more than they can chew” by taking on assignments with limited resources and impossible timeline expectations.
Two major fears that sire procrastination are fear of the unknown and fear of rejection or looking foolish. A third fear—of success—is often overlooked. Many people, even many executives, fear success because it carries added responsibility that can seem too heavy to bear, such as setting an example of excellence that calls for additional effort and willingness to take risks. Success, without adequate self-esteem or the belief that it is deserved, also can create feelings of guilt and the result is only temporary or fleeting high achievement. Playing it safe can seem more tempting than a need to step forward with determination to do it now and do it right.
In the next issue, I’ll give you 10 ideas to help you move from procrastination to proactivation!
-- Denis Waitley
Tuesday, August 25, 2009
If you've ever gone whitewater rafting, then you know the importance of planning. Whenever the raft approaches rapids, the guide has to plan the best route to navigate safely through them. If the guide fails to plan, then the raft can easily smash into a rock or capsize.
Four Types of Planning
Passive planning happens when leadership allows the raft to travel downstream at the mercy of the current rather than steering, rowing, and turning. This kind of non-planning eventually leaves you unprepared to face whitewater rapids. Worse yet, in the absence of a plan, the current may take the raft over the edge of a dreaded waterfall.
Panic planning happens only after the raft is in trouble. At this point, all of the organization's resources are scrambled in a reactionary pattern in an attempt to solve the problem. With panic planning, you may or may not come out alive and well, but you are guaranteed some bumps and bruises.
Scientific planning is viable, but can be laborious, mechanical, and often ends up abandoned in the process. Imagine if a raft guide constantly tried to measure the depth of the water, the distance between rocks, the wind speed, and the water current. Although the information might be helpful, oftentimes the water would be moving too swiftly to take the measurements. In a like manner, leaders often have to respond to change in an instant. There's no time to collect scientific data on all of the variables before deciding which course of action is best.
Principle-centered planning is the key to effectiveness. It is the artistic or leadership approach. Principle-centered planning recognizes that life in general (and people in particular) can't be graphed on a chart, but sees that planning still remains essential.
Reasons Why People Don't Plan
You don't have to be in leadership very long to learn that planning pays off. Even so, many people don't plan. Here are four reasons why people neglect planning.
1) They don't possess planning skills or knowledge.
Some people don't have an innate ability to project themselves into the future. They've never been taught to prioritize their day or to prepare for tomorrow.
2) They're caught in the tyranny of the urgent, and they believe that they don't have time.
Some people allow themselves to be pulled into the vortex of minutiae. As a consequence, they end up buried under a sea of details, and they can't pull their heads above water long enough to plan.
3) They don't like the perceived hassle of planning.
Instead of planning one event at a time, they become overwhelmed by the mountain of things to plan.
4) Many people don't plan because the outcome varies greatly.
"After all," they say, "When I do make a plan, it normally doesn't end up happening, so why bother?"
Why Planning Is Essential
We all have desires and dreams, yet we'll never accomplish our dreams in life just by wanting them bad enough. Planning bridges the gap between our desires and dreams by calling us to action. As noted by William Danforth, ""No plan is worth the paper it is printed on unless it starts you doing something." A concrete plan supplies us with tangible steps to take in the direction of our dreams.
Qualities of Principle-Centered Planning
- Principle-centered planning allows us to be flexible without losing focus.
- Principle-centered planning allows us to be creative without losing concentration.
- Planning is the structure. Principle-centered planning is the flesh.
- Planning is the roadmap. Principle-centered planning is the movement.
- Planning is the idea. Principle-centered planning is the action.
- Planning is the paper. Principle-centered planning is the power.
It's been said, "By failing to plan, you plan to fail." I wholeheartedly agree. People who ignore planning handicap themselves and stifle their effectiveness.
The good news about planning is that it's a relatively simple discipline. Anyone can do it. No PHD is required to make a solid plan - only a window of uninterrupted time for focused thought.
By now I hope you've been persuaded about the imperative of planning. In the next edition of Leadership Wired, I'll unwrap seven principles to guide your planning process and help you achieve your dreams.
John C. Maxwell is an internationally recognized leadership expert, speaker, and author who has sold over 16 million books. EQUIP, the organization he founded has trained more than 2 million leaders worldwide. Every year he speaks to Fortune 500 companies, international government leaders, and audiences as diverse as the United States Military Academy at West Point, the National Football League, and ambassadors at the United Nations. A New York Times, Wall Street Journal, and Business Week best-selling author, Maxwell was named the World's Top Leadership Guru by Leadershipgurus.net. He was also one of only 25 authors and artists named to Amazon.com's 10th Anniversary Hall of Fame. Three of his books, The 21 Irrefutable Laws of Leadership, Developing the Leader Within You, and The 21 Indispensable Qualities of a Leader have each sold over a million copies.
By Jim Klein
Think about the last big dollar item you purchased, maybe a car or a big screen television. You probably shopped around and one of the reasons you purchased was because you liked the sales person.
Well recent research discovered 80 reasons why customers dislike salespeople. Here are the top seven. If any one of them sounds like you, you're probably costing yourself sales.
1. Not listening to customers - Listening is a skill that every sales person should spend time mastering. When I talk about listening I talking about listening to their needs.
Many salespeople go in to a sales meeting having already determined why the customer should buy their product or service. The sales person has preconceived ideas as to what their customers want and need.
When they get to the qualifying phase of the sales process the sales person either glazes over it, not asking the right questions, they ask general questions that only skim the surface of the customers needs, or as the customer is telling them their real needs, the sales person just isn't paying attention.
It's so important to ask the right qualifying questions, ones that get to the true needs of the customer and then paying very close attention to what they're saying and if necessary asking clarifying questions so the you understand exactly what it is they want.
Another reason many sales people don't listen is because they are thinking about what they are going to say next. They haven't mastered the sales process and what they are going to say, so while the customer is giving them valuable information, the sales person isn't listening.
2. Talking too much - To many salespeople talking is selling. The go on and on about how great they are, how graet their company is and how graet their product or service is.
They figure if they do enough talking they will convince the customer to purchase their product or service. These salespeople are convinced that talking is selling, when in fact the opposite is true.
Ask the right questions and let the customer do the talking. There's an old saying, "they don't care how much you know, until they know how much you care". People like to buy from people they like and the best way to get someone to like you is to show a sincere interest in them and their needs.
By asking questions and letting the customer talk, you will uncover the customers needs and then be able to present your product or service as the best possible solution.
3. Lack of knowledge - So many salespeople are clueless as to how their product or services really works, what's happening in their industry and what their competition is selling.
They want to get by doing as little work as possible, while still expecting to make impress their customers and make sales.
If you have not taken the time to learn everything you can about your product, your industry and your competition, you are selling yourself short when it comes to making the sale.
Customers want to purchase products and services from salespeople who know what they are talking about. They want to purchase from an expert in their field.
Spend the time doing your homework and become the expert in your industry and an expert about every product or service like yours and the other companies and salespeople who are selling them.
Become the go to guy or gal in for your particular product or service. What I mean is, when people mention your product or service, your name should be the first thing they think of.
4. Lack of follow-up - Many salespeople kill their chances of making a sale when the don't follow-up with their customers. You see, some customers judge a salesperson and whether they get the sale by how well they do what they say they're going to do.
It might be some information the customer requested, something the sales person said they would do or maybe just a follow-up after providing a quote. What ever it is the sales person who follows up is usually the one who will make the sale.
Studies reveal that 80% of sales are made after the seventh contact, so do what you say you are going to do, get the customer the information they have requested and by all means, follow-up until the purchase from you or one of your competitors.
However, if you follow-up with your customers chances are your competitors won't and you will ultimately make the sale.
Stay tuned for next weeks newsletter when I'll give you reason 5, 6 and 7.
See you next week.
Make it a GREAT day!
Monday, August 24, 2009
Absolutely no one can overestimate the power of the mind and its role in our success! It is imperative to keep our minds right and on the right track if we are to achieve balanced success in our career, finances, health, emotions, relationships and spiritual lives.
The analogy I would like to use here is one of a radio station. For example, there may be a “Success” station. But the only way you can hear a radio station is to be tuned into it. Even a little off and you can’t get the full effect.
The same is true with our mind and success. If our minds and our thoughts get sidetracked, our success will get sidetracked. As our minds stay tuned to “success” our bodies will then carry out our success and we will begin to experience abundance!
So here are some ways to keep tuned into success!
Use your innate ability to decide and choose. One of the things that separate us from the animals is that we live not by instinct, but by choice. Constantly flexing that muscle of choice builds it up and keeps us on track for success. It is like working out. The more we do, the stronger we get. The more “fit” we get. Want to keep your mind tuned for success? Keep it healthy by making good choices and decisions on a regular basis. For example, do you have a bad habit? Then flex your mind muscle and choose to change—today. If you choose to stay the same way (and those are the only two alternatives) you will have just chosen to tune your mind to a different station than “success.”
Put good stuff into your brain. There are lots of things that want to work their way into our minds (and eventually work themselves out again in our actions). There will be lots that we just get from walking around all day. But what about what we put in on purpose? We can choose to put good stuff in on a regular basis. Do you take time each day to put good things into your mind, to tune into success? Here are two things to consider when you are choosing what to put into your mind: First, is it positive? Will it build you up or tear you down? Will it make you a better person, or lesser? Will you grow from it or not? Will it tune you to success or not? Secondly, Will it move you toward your goals in the areas of your life that you want to see success and abundance in?
Keep the junk out. Like I mentioned above, there will always be junk floating around, like a fellow employee who gripes all the time. But what surprises me is how many people who want success, actually willfully choose to put junk into their minds and then expect to be tuned into success. Here are some thoughts on this: First, evaluate everything that you put into your mind. Evaluate what you read, listen to and watch. We live in a fast-paced world and we have little time. Why then would we spend our precious time putting junk into our minds? Does what you read, listen to and watch move you toward your goals or away from them? It is a simple question, really. At least most of the time. And here is my soapbox. Eleven years ago, my wife suggested we give away our television. I was shocked to say the least, but decided to give it a try. Now I am the anti-TV fanatic in our house! I have more time than anyone I know and I don’t have to spend a lot of energy filtering my mind to tune it to success. Just a thought. Just a thought.
Eat right and exercise. That’s right. The way we eat and the amount of exercise we get goes a long way toward our mind’s ability to tune into success. Put the right foods into your body and the brain responds. Exercise on a regular basis and the body releases chemicals that literally ignite your brain for success!
Hope these thoughts help you to get going and keep your mind tuned into success. Put them into practice and soon you’ll be dialed into success and abundance.
This is the first in a 3-part series of articles.
Here is a familiar scenario for all of us; you may even be going through something like this right now: You have an exciting goal in mind, you’ve done your homework, you think you’re amply prepared… but things just don’t work out. You’ve probably had times when you thought you were doing what you were supposed to do, but you were misinformed. You thought you had it all laid out, but it just didn’t work. You burned the midnight oil day after day after day, but it didn’t seem to help. You couldn’t seem to change the end result.
These are the times when you have to be your own best cheerleader. And there are two ways to keep yourself encouraged.
Number one: Take responsibility for the missed opportunity or the misrepresentation. Learn from the fact that even though you made the best presentation possible, your client wanted it a different way. Be prepared for the letdowns that happen every so often. Know that this lost opportunity just set you up to take advantage of the next one. Realize that you can make the necessary alterations next time. Make the changes that will make the difference. Study your mistakes and learn from them. Instead of dwelling on the mistakes, simply acknowledge them and learn from them. Remind yourself that you’re smarter than your bank account leads you to believe.
Encouragement practice number two: Remind yourself that you’re bound to get better. Don’t get down on yourself. Don’t beat yourself up. It’s the next opportunity that matters, not the last one. The last one matters only in that you must learn from your mistakes. But the next one gives you the opportunity to show that you have learned from your mistakes. You can do it better next time. You just have to practice. Keep trying until. Until what? Until you’ve got it down.
If you figured out what went wrong last time, then you know how to make it right next time. If you figured out what it was in your presentation that didn’t work, don’t say that next time. If you figured out that the reason you didn’t close the deal this time was because you didn’t have all the facts and figures in place, have all the facts and figures in place next time. Don’t beat yourself up for messing up. Pat yourself on the back for figuring it out.
You need to encourage yourself. You need to pump yourself up. You need to be your own cheerleader. Why? Because you can’t wait and hope that someone else will come along and cheer you up… make you feel better… tell you that you’ll do better next time. You have to rely on yourself. You have to have faith in yourself and your ability to figure out what works and what doesn’t. You have to have the inner belief that everything you’re doing, you’re doing for a positive outcome in the future. You have to encourage yourself with future successes.
When you miss an opportunity, are unprepared for an opportunity, or suffer a setback while realizing your goals, you need to encourage yourself by immediately getting back into line.
There’s an old cowboy saying, “Fall off a horse seven times and you’re a real cowboy.” If you fall off a horse, get right back on. If you fall off track, get right back on. If you fall away from your disciplines, get right back to them. If you fall out of habit, get back into the habit. Something goes wrong, do what you can to make it right.
If you fall off… get back on. If you fall off the horse, that is, the horse of habits or disciplines or progress, get back on. It may be hard. It may be a bit frightening. But get back on. Keep your resolve alive and active and well. Cheer yourself on to victory. You can do it.
To Your Success,
Friday, August 21, 2009
By Tracy Piercy
You've tried making more money. You've tried cutting back on expenses. You've tried borrowing and consolidating. You've tried some sure-fire quick fixes. You've denied the situation and justified it because others are in the same situation or worse. And besides, when the kids move out, go to school, or you give up the house for a condo, there will be more money and you'll have two incomes again!
Tracy Piercy is a Certified Financial Planner professional with over 17 years in the financial industry. While working in insurance, banking, and as a top-producing investment advisor, Tracy saw a gap between conventional teachings and real wealth-building strategies. In response, she developed an inspirational financial education system that goes beyond traditional savings and investment advice to encourage possibilities without “cutting back”.
FROM KH TAN
情緒平復下來後， 他感到肚子有點餓，看到梅子長得正好， 就採了一些吃起來。
有些朋友雖然不常聯絡，卻偶爾寄個 E-mail 、也許是一些笑話、溫馨小品，或是小遊
Resolve today that you are going to save an invest at least 10 percent of your income throughout your working life. Take 10 percent of your income off the top of your paycheck each time you receive one and put it into a special account for financial accumulation.
Save Throughout Your Career
The fact is that if you save just $100 a month throughout your working lifetime and you invest money in an average mutual fund that grows at 10 percent per annum, you will be worth more than one million dollars by the time you retire. This means that anyone, even a person earning minimum wage, if he or she starts early enough and saves long enough, can become a millionaire over the course of his or her working lifetime.
Developing the lifelong habit of saving and investing your money is not easy. It requires tremendous determination and willpower. You have to set it as a goal, write it down, make a plan, and work on it all the time. But once this practice locks in and becomes automatic, your financial success is virtually assured.
Practice frugality, frugality, frugality in all things. Be very careful with every penny. Question every expenditure. Delay or defer important buying decisions for at least a week, if not a month. The longer you put off making a buying decision, the better your decision will be and the better price you will get at that time.
A major reason that people retire poor is because of impulsive buying. They see something they like they buy it with very little thought. They become victims of what is called "Parkinson's Law," which says that "expenses rise to meet income." This means that no matter how much you earn, you tend to spend that much and a little bit more besides. You never get ahead and you never get out of debt.
Don't be a Victim
You don't have to be a victim of Parkinson's Law. If you cannot save 10 percent of your income, start today by saving 1 percent of your income in a special savings and investment account. Put it away at the beginning of each month, even before you begin paying down your debts. Live on the other 99 percent of your income. As you become comfortable living on 99 percent, raise your savings level to 2 percent of your income, then 3 percent and 4 percent, and so on.
Grow Your Savings and Investments
Within one year, you will be saving 10 percent and maybe even 15 or 20 percent of your income and living comfortably off the balance. At the same time, your savings and investment account will start to grow. You will become more careful about your expenditures, and your debts will begin to be paid off.
Change Your Financial Outlook in a Year
Within a year or two, your entire financial life will be under your control and you will be on your way to becoming a self-made millionaire. This process has worked for everyone who has ever tried it. Try and see for yourself.
Open a special account for financial accumulation today. Make a deposit in this account, no matter how small. Then, look for every opportunity to add to this account. Begin to study money so that you understand how to make it grow. Read books and magazines by experts on the subject. Never stop saving, learning, and growing until you become financially independent.