4 Skills Necessary

In the last post, I referred to the importance of education. If one is to be successful, it is critical that time be invested into furthering one's knowledge. Trying to get through life by applying only what is known is like showing up at a gun fight with a knife. You are severely shorthanded against the competition.

To be successful, there are a few areas that require attention. In his bestselling book, Rich Dad, Poor Dad, Robert Kiyosaki spells out four areas that are vitally important. Concentrate you attention in these areas to push yourself down the path to success.

1. Financial literacy: He describes this as the ability to read numbers.

2. Investment strategies: Putting your money to work for you.

3. The Market: Knowing the simply economic cycles of supply and demand.

4. The Law: Understanding how to operate within different regulations for maximum benefit.

Having a good foundation in all these areas will help your success. In sports, there are fundamentals which the top people master. The same is true if you seek financial success. Mastering certain fundamentals will lead to abundance.
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Education is crucial

Nobody ever became highly successful in any venture without being educated. Education is the foundation of all achievement. Without it, one is destined to fail. It is the one component that provides the knowledge and wisdom to do those things that lead to success.

The education I am referring to is not the type that one gets in school. Degrees are important in some fields. However, in the real world, they typically are useless. What makes people successful is the education that applies to the particular venture that they are entering into. It is the specialized knowledge which pertains to doing something that leads to success. Often, education is simply the transferring of information from one to another.

There are opportunities everywhere. Nevertheless, most struggle because they fail to see what is available to them. This is because they lack the know-how to be successful. The specialized knowledge eludes them. Spending on one's education is the best way to overcome this lack.

Before going any further, I will admit there are a lot of scams out there. Yet, contained in many offers is the opportunity for success if one is willing to venture out. An example of this is my book, How To Make $ With eBooks. Most people believe there is some special talent to writing a successful book. This is untrue. Everyone can write a book. Also, with a little know-how, these same people can make money marketing it on the Internet. I wrote this publication to share the knowledge of how I successfully do it. Nevertheless, many of you will still discount this. The opportunity will pass you by.

Society is made up of people who doubt everything. That is a healthy practice to a point. Yet, there is a time to move forward. This is determined by how much education that you have. Let me ask this "what was the last book that you read?". This is a difficult question for many people. If they do read, the time is spent on fictional literature which is entertaining. Unfortunately, these works do not enhance our chances for success.

How do we expand our knowledge? It starts with reading about those topics which are applicable to our success. If you are in business, learning how to read financial documents is a good starting point. Internet marketing is another area that you want to cover. Motivational and self improvement books are helpful since they help you work on yourself. Interpersonal publications assist us in dealing with others. Learning more in each of these subject makes success easier to attain.

Remember to focus upon your education. What did you learn today? Ensure that you learn something new everyday that will move you closer to your goals. Knowledge is everywhere; it is waiting for you to tap into it. Block out time each day to invest in yourself. It is the best investment you can make. Education is never a waste of time.
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Success Is A Simple Process

Achieving success is really a simple process. Most complicate it by trying to re-invent the wheel. There is an old saying "success leaves clues". Our chances of accomplishment are increased when we follow the path that others set out. Removing the mystery from the equation is what allows people to thrive.

The best way to attain success is to model others who have the results that you want. It is proven that if you do what they did, odds are you will get similar results. Physical fitness is not a great mystery yet many are out of shape. Why? The answer is because many will not do what physically fit people do. Fitness is achieved if you follow their exercise and diet regimen.

There are three steps that is applied to achieve success in anything. Following them will ensure that you get the results you desire.

1. Decide what you want:

This seems like a given but you would be surprised how many have no clue what they want. What do you want? Get crystal clear about the results that you want to achieve in any situation. How do you want your life to look like? Trying to be successful without clarity is like throwing a dart at a moving target. Your chances are substantially reduced.

2. Take action:

Action is the bridge from our thoughts/ideas to the physical world. Many confuse the Law of Attraction to mean that action is not required. That is a fallacy which leads to failure. Action is always required since it is how we manifest things in our lives. It is in that act that we attract.

3. Make the necessary adjustments:

This is critical. Everything that you do will not work out. There are times when a new course is necessary. Many ignore this because of the time invested in pursuing one objective. If something is not working, try another way. Often, a simple adjustment is what leads us to the results we desired.

There it is for you. Apply these three steps to the next situation that you are confronted with. You will see difference in the results that you get.
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Risk

To laugh is to risk appearing the fool.
To weep is to risk appearing sentimental.
To reach out to others is to risk involvement.
To expose feelings is to risk exposing your true self.
To place your ideas, your dreams before a crowd is to risk their loss.
To love is to risk not being loved in return.
To live is to risk dying.
To hope is to risk despair.
To try is to risk failure.

But risks must be taken,
because the greatest hazard in life is to do nothing.

The person who risks nothing,
does nothing, has nothing, and is nothing.

They may avoid suffering and sorrow,
but they cannot learn, feel, change, grow, love, live.

Chained by their attitudes, they are a slave,
they forfeited their freedom.

Only the person who risks can be free.

-Author Unknown

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Is Life A Bore?

Do you find that you are often bored? Is life a boring trek where you are constantly waiting for something exciting to happen? If this describes your experience, this post is for you. There is a simple philosophy which cuts to the heart of this matter: you are bored because you are a boring person. That is all there is to it.

Have you ever noticed how successful people seem to have little time? They live a full life. The workday is full from the time they enter the office until they leave. They produce a tremendous amount while operating at a steady pace. Rarely will you see them flustered or going at a frenzied pace. They mastered time management skills so that each second is maximized.

This is not to insinuate that they are all work. They equally enjoy their time off. The relaxation time is filled with thrilling activities. Hobbies or other passions are engaged in on a regular basis. There is always some new adventure to approach.

How does this compare to what you experience on a regular basis? Many settle for less than a passionate life. They trudge through life moving from one boring day to another. When asked what they did this weekend, the common answer is "nothing". Getting caught on an endless treadmill is easy to do.

Here are three things that one can do to break this routine.

1. Try something new.

This can be anything. Take a cooking class. Go to a different restaurant. Visit a museum. Engage in any activity that you never did before. You might find that it is something that you absolutely love.

2. Tap into the child within.

What did you like to do when you were younger? Think of old hobbies or crafts which you use to do. Pick them up and reacquaint yourself with them. Dust off the old golf clubs while hitting the range. Make an appointment to go scuba diving. Visit the local craft store to get some supplies.

3. Spend time dreaming.

This is an underutilized quality among adults. Dream bigs dreams while allowing the mind to roam freely. Think of the lands which you want to visit. Discover what you can create in your life. Get excited about the magnitude of your capabilities.

Try these three things to break the trap of the "same old routine". You will quickly notice a difference.
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Some Motivational Quotes

Pull the string, and it will follow wherever you wish.
Push it, and it will go nowhere at all.
-Dwight Eisenhower

Be the change that you want to see in the world.
-Mohandas Gandhi

Efficiency is doing things right; effectiveness is doing the right things.
-Peter F. Drucker

Formula for success: under promise and over deliver.
-Tom Peters

A life spent making mistakes is not only more honorable, but more useful than a life spent doing nothing.
-George Bernard Shaw

Discovery consists of seeing what everybody has seen and thinking what nobody else has thought.
-Jonathan Swift

The best way to teach people is by telling a story.
-Kenneth Blanchard

If you'll not settle for anything less than your best, you will be amazed at what you can accomplish in your lives.
-Vince Lombardi

I had to pick myself up and get on with it, do it all over again, only even better this time.
-Sam Walton

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3 Year Timeframe

Do you have goals for the next three years written down? If not, then you are missing one of the most powerful tools that exists for success. Why did I choose the time period of three years? The reason is to give a longer perspective of the process. Rome was not built in a day. The same is true for your plans. Often, it takes time for things to develop the way that you like.

With the recent ending of the Olympics, it is beneficial to learn from those athletes. The passing of these games means that many are already looking towards 2012. This is a 4 year outlook. Their goal is firmly planted in their mind: to win a gold medal. Now is the time that each of them will start working towards that end.

What does having an outlook like this do for us?

1. It provides us with a direction. There is an overriding goal. For the athlete, it is to win a gold medal. Where do you want to be three years from now?

2. This mindset allows us to chart a path to our successful outcome. The Olympic athlete will set down the training schedule for the next few years in preparation for different competitions.

3. We can determine our strengths and weaknesses to focus on improving in the areas we presently fall short. This can by done by personal self improvement or by partnering with another who has those qualities we need.

4. It gives enough time for the progress to take place. An athlete will not see a big difference after a week of working out. However, over the course of a couple of years, the change can be seen. You might not see a drastic change in your life after a few weeks; yet work a plan over three years and you will find your life in a different place.

It is time to sit down and plan the next 3 years. The time will elapse whether you are prepared for it or not. Utilize this tool for success to create the life that you desire.
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Ben Franklin's 13 Virtues

1. Temperance: Eat not to dullness and drink not to elevation.
2. Silence: Speak not but what may benefit others or yourself. Avoid trifling conversation.
3. Order: Let all your things have their places. Let each part of your business have its time.
4. Resolution: Resolve to perform what you ought. Perform without fail what you resolve.
5. Frugality: Make no expense but to do good to others or yourself: i.e. Waste nothing.
6. Industry: Lose no time. Be always employed in something useful. Cut off all unnecessary actions.
7. Sincerity: Use no hurtful deceit. Think innocently and justly; and, if you speak, speak accordingly.
8. Justice: Wrong none, by doing injuries or omitting the benefits that are your duty.
9. Moderation: Avoid extremes. Forebear resenting injuries so much as you think they deserve.
10. Cleanliness: Tolerate no uncleanness in body, clothes or habitation.
11. Chastity: Rarely use venery but for health or offspring; Never to dullness, weakness, or the injury of your own or another’s peace or reputation.
12. Tranquility: Be not disturbed at trifles, or at accidents common or unavoidable.
13. Humility: Imitate Jesus and Socrates.

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Fear Of Rejection

"No" is a word we hear from the youngest of ages. It is something that parents consistently drill into their children. Toddlers and young ones are always told "no", "do not do that", or "Do not touch". This is a part of our culture which has a huge impact on our psyche. It is also on of the most destructive forms of conditioning that people receive.

Many have the fear of rejection. Hearing the word "no" strikes a cord with their esteem. The classic example is the boy who refuses to approach the girl for the date because of the fear that she will say "no". It seems that the fear of rejection is one of the strongest fears there is.

There is one other certainty in life in addition to death and taxes: not everyone is going to like all of your ideas. There is yet to be a salesperson who sold every account called upon. Regardless of how good looking a man is, not every women agreed to go out with him. Rejection is a part of life. There simply are times when people will refuse your offering. Acceptance of this point is crucial to getting ahead.

Here are three ideas for overcoming the fear of rejection:

1. Do not take it personally.

So many think take it personally when someone says "no" to them. Most times, it is not personal. There are usually other things that elicit the answer. It is common for a lack of information/failure to see a benefit to be the cause. In a business setting, for example, one does not see the value of accepting your proposition. It is not personal, just business.

2. Do not tie your esteem to the results you get.

Even is someone tells you "no" in a romantic setting, that does not change the person that you are. If you were a terrific person before, then you still are a terrific person. Who you are is not dependent upon the opinion of others. People with a healthy self esteem know this. Again, rejection is nothing personal even if it seems to be.

3. Understand life is a numbers game.

Everyone gets turned down. Success in life is contingent upon carrying on. Sales trainers teach that each no gets a salesperson one step closer to a yes. This is true in everything. Not everyone will reject your idea (or you). If the first girl turns you down, find another. The same is true for jobs, business ventures, and opportunities. When one fails to pan out, move to the next.

Rejection is not rejection unless you take it to be. Perhaps it simply was a matter of trying to sell snow to an eskimo: the opportunity/timing just was not right. Whatever the reason for the "no", live knowing that you are one-step closer to a "yes". Resist the temptation to allow the fear of failure to stop you.
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4 Steps To Better Motivation

This is one of the keys to all success. It is the foundation upon which all achievement is based. Without motivation, one faces a tough time reaching the higher levels in life.

People who trudge through life lack passion. It is sad to witness someone with so much potential who chooses to throw it all away because of a lack of drive in life. Most people fall into this category in one way or another. A lot of this stems from the conditioning of society. The "go to school to get a good job" mentality robs people of all their inner energy. Instead, people settle for less than they are capable of.

How does one go about creating more motivation in one's life? Here are a few basic steps that one can take which will inspire.

1. Focus on what you will feel when you achieve it.

Let us use the example of weight loss. People often want to focus upon how fat they are. A more helpful way to view it is to picture yourself as the size 3 or having those buff muscles. Feel how it is to be in that shape already. Internalize the emotions so they take hold at a cellular level.

2. Break the task down into smaller tasks.

The old saying is "how do you eat an elephant? One bit at a time". Whatever you are trying to accomplish will seem daunting, especially if you set a larger goal for yourself. This is a demotivating energy. Overwhelm does not stimulate motivation. Therefore, break the task down into manageable pieces.

3. Celebrate your successes.

In the weight loss example, do something special for yourself with every 10-15 pounds that you lose. Rewards yourself for a job well done. If you have built in points for success, you will be motivated as you get closer. One does not need to pull off an astonishing feat to celebrate. It is the little things that do make the difference.

4. Enlist the help of another.

Accountability is better if it comes from someone else. Too often we will buy our own excuses. It is too hot to go for a walk. This sounds reasonable to us, even if it is the dead of winter. Another will help to push us when the desire to pull back is there.

Those are a few steps that will help you to get motivated. Follow then to see your success rate increase drastically.
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Take Control Of Your Life Today

How can you take control of your life if it was out of control for so long? If you are like most, the past 20 or 30 years went by without much of an improvement in what you are accomplishing. It often seems that you are mired in the same endless loop which plagues so many. What can you do to reverse this trend?

There is a simple way to get things moving in a different direction. It is something that many do yet seem to miss the full benefit of it. The tool that will help you is a simple to-do list. This is the one thing that can make a difference in all that you achieve.

Have you ever had a day where you tried to figure out what to do. Typically, this is one of our days off that we experience this. Since someone else did not set our agenda, we seem to not know what to do. A list helps us to focus on what is important for that day.

Many make the mistake of listing 200 things that they are going to accomplish. This tends to be counterproductive. List only the most important activities for the day; perhaps 5-10 items. Then, go do them. If those items on your list have a big impact on your life, then you will feel like a lot was completed.

Having something written in front of you helps you to control you time and your actions. Breaking through procrastination is usually as simple as doing the next thing on the list. If we remove the tendency to think about something, we can move forward rapidly. One factor of successful time management is to rid ourselves of wasted time due to procrastination. Handle that which is important in a timely manner.

Write down the 5-10 most important things for you to do daily in the next 7 days. Attend to these activities first each day and notice how much more productive you week is. Accomplishing 35-70 high impact activities will make a difference in how you feel and the results that you get. Try it to see the magic in a list.
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5 Productivity Tools That Kill Productivity

1. Excessive To Do Lists

A to do list is commonly used by people who attain success. It is a goal list for the day. Yet, people negate the benefit of this tool by listing everything conceivable that needs to be done. One gets paralyzed when there is a list that is impossible to finish. It is best to put only the 5-10 most important activities on there.

2. Overuse of the Internet/Software

The computer saves us a lot of time. Tools such as email, im, and word processing can make our lives easier while increasing productivity. They also can kill it by becoming excessively used. People can spend hours handling all that communications. It is best to limit these to only a few times a day.

3. Talking About Goals.

Goals are critical to your success. Talking about them does little to help in the accomplishing of them. Action is what fulfills goals. People who talk about their goals often tend to be avoiding the action necessary to achieve them. There is a time to start talking and get busy.

4. Always Looking For A Better Way.

Some feel the need to continually change everything. They start fresh every 90 days or so. There is an old saying "if it isnt broke, dont fix it". Also, it is easier to keep something in motion as opposed to setting it in motion. Restarting all the time stops the power of momentum.

5. Questioning Instead Of Doing.

Why is one of the most revealing questions. It can uncover a lot about us and what makes us tick. Also, most of us tend to be doubting Thomases, not taking anything at face value. Continually asking why can be a time waster. Often, it is best to just get busy.

Use these productivity tools for what they were designed for. Avoiding excessive use or dependence upon them will lead to an increase in what you get done.
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5 Tips For Success On Digg

You heard all about all the traffic that you can get from Digg simply by submitting a story or article. Post it up there and let them come to you. It is a wonderful concept but there is a lot more to it than that. New people sabotage themselves by taking the wrong approach to this animal. They want to instantly get a story on the front page without doing anything to “earn” it. If you want to be successful on Digg, it is important to let the others on there know that you are a serious person.

Following there are five suggestions for improving your chances of success.

1. Digg. Digg. Digg.

Do not do anything else until you reach at least a minimum of 1,000 diggs. So often I get friend requests from people with 10s or 100s of diggs. To get something in this environment, you must first give. Diggs are the currency which everything operates. Show that you are a person worthy of another's attention by first digging his or her stuff. We follow the axiom to get you must first give.

2. Add friends in groups of 20-30 at a time.

Again, I check out profiles of friend requests only to see that the person asked 200-300 people at the same time. Half of my computer screen is covered with names of people who they added to the list. It was a mass friend appeal. While there is nothing wrong with adding so many friends, it lacks credibility unless you have lots of diggs. The ones who do this usually have under 500 diggs to their credit. This simply gives the impression of someone who wants everyone else to digg his/her submissions. Early on, slow but steady is the motto.

3. When adding friends, stay within your range.

If you stepped out onto a baseball field, would you expect to be added to the MLB All-Star team? The answer is obviously “No”. Yet many seem to think that they should rub elbows with the heavy hitters on the site. Many newcomers go directly to the top 100 list and send friend requests to all of them. This is a waste of time. Even at the 1,000 posts, you have not shown that you have what it takes to operate in this arena. I suggest you try to add those who have between3,000-7,000 Diggs. You can get involved with the others as your totals grow. Also, as your Digg total grows, other will begin to come to you.

4. Comment. Comment. Comment.

This is a participation sport. Posts that are commented on draw more interest from others who come behind later in the day. Comments are another way to garner attention. It takes a bit more time to do it this way, but it is certainly worth the hassle. The one who submitted the article or photo will sincerely appreciate this. Do it enough and you will be on their radar. This is one thing which will separate you from some of the masses who are out there.

5. Submit with care

There are many arguments that are made about how much should you submit. I am a believe that less is more. It is really frustrating to go to my reader and see 15-20 submissions by the same person (or 40). Those in the Top 100 have earned the right to do things this way. Someone new has not. To digg these articles takes a good deal of time. If this was my only contact, it would not be bad. Yet I have over 100 messages each time I go in there and I hit it up at least 3 times per day. Personally, I limit my submissions to 2-3 per day. This way I am not overloading my friends.

Everybody who is on Digg was new at one point. However, you do now have to act like you have absolutely no clue what is going on. Follow these suggestions and I guarantee that you will get a decent amount of quality friends within a month. Quality will often trump quantity on Digg.

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Courage

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Life Without A Plan

It is interesting to note that when people drive to a new destination, they get online to get directions. People simply need to know where they are going. They will not go anywhere without a plan of how to get there. Yet, these same people fail to write down a single plan for where their life is going.

Goals are the mechanisms which allow us to dictate the path of our lives. Failure to create a set of goals for yourself is the equivalent of getting into the car with no idea of where you are going. Would anyone in their right mind do this? I would think they would not. Again, people do it all the time with their lives.

The easiest way to get into the habit of setting some goals is to sit down and write out 5 things that you want to accomplish today. This is a basic form of goal setting but it will begin to develop the goal setting muscle. At the same time, think of 5 things that you want to do in the next 12 months. Put those items on a piece of paper.

Congratulations. You are beginning to set some goals for yourself. This is the first step in taking control of your life.
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Success Starts In Your Head

What is it that makes Donald Trump different than everyone else? Why is he more successful than most even though he encountered his share of difficulties over the years? Simply, because he believes that he will come out on top. The factor that separates him from most others is the thoughts that he consistently maintains in his head.

Let me ask you: how excited would Donald Trump be to make $1,000 on a deal? To him, this is not something to get excited about. He has a mindset that is set at a much higher level. How about you? What are you beliefs about this? Is your mind set at a level of minimal value? If you are like most, it is.

Success is a result of your thinking. Norman Vincent Peale revealed this concept to us in the middle of the last century. Thinking is what determines out thinking because it is the one thing that is responsible for the action we take. Positive thoughts will lead you to take positive action. However, the reverse is also true. It is one's negative thinking which prevents the taking of action.

Do you want to be a success? If so, break the stranglehold on the thinking that causes self doubt. Society has a way of telling us that we are not worthy. We compound this by believing that failure is possible. It is not. There is no such thing as failure; only results. We can achieve one of two things in any situation. Success is one outcome: the other is a learning experience. Notice how there is no failure there. If things do not work out the way we want, we can learn from the situation. It is all a matter of perspective. Decide today what type of life you want to lead.
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3 Steps To Success

The recent Olympics shows us the value of having a goal. Each of the competitors trained for years to get where they are right now. To hone their craft, they spent 8-10 hours a day perfecting the techniques. For this to occur, they had to have an overriding goal to perform in the Olympics.

It is said that success can only result if there is clarity. So many of us are unsure what it is we want. This uncertainty results in us not claiming the success which is available to all of us. Success is not a great secret. There are certain clues which we can follow which will lead to the outcome we desire. It is simply a matter of following what the champions did.

Here are a few things which will help you achieve your goals.

1. Decide what you want:

This sounds like it should be a given, yet most do not know what they truly desire. Get crystal clear about where you would like your life to go. Think like an Olympic athlete. That person is certain as to the eventual outcome desired.

2. Break your overriding goal into a series of steps:

It takes time to reach the Olympics. There are a series of steps which need to be taken before that goal is accomplished. The same is true for anything in your life that you desire. Set out a path to reach the outcome that you crave. Every goal can be broken down into a set of smaller steps. This will make your path easier.

3. Get a mentor:

Olympic athletes have a number of coaches who guide them towards their goals. While you might not be able to afford the personal attention, guidance can come from many different areas. Copy the success of others by reading about their lives and the actions taken. Biographies are a wonderful way to pick up the clues of success.

Use these three steps to accomplish whatever you desire.

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Motto For Life.

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21 Suggestions For Success

1. Marry the right person. This one decision will determine 90% of your happiness or
misery.
2. Work at something you enjoy and that’s worthy of your time and talent.
3. Give people more than they expect and do it cheerfully.
4. Become the most positive and enthusiastic person you know.
5. Be forgiving of yourself and others.
6. Be generous.
7. Have a grateful heart.
8. Persistence, persistence, persistence.
9. Discipline yourself to save money on even the most modest salary.
10. Treat everyone you meet like you want to be treated.
11. Commit yourself to constant improvement.
12. Commit yourself to quality.
13. Understand that happiness is not based on possessions, power or prestige, but on
relationships with people you love and respect.
14. Be loyal.
15. Be honest.
16. Be a self-starter.
17. Be decisive even if it means you’ll sometimes be wrong.
18. Stop blaming others. Take responsibility for every area of your life.
19. Be bold and courageous. When you look back on your life, you’ll regret the things
you didn’t do more than the ones you did.
20. Take good care of those you love.
21. Don’t do anything that wouldn’t make your Mom proud.

By: H. Jackson Brown, Jr.
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Ben Franklin's Rules To Wealth

Originally published in 1758, Ben Franklin’s Way to Wealth offers advice that is as true today as it was then.

Industry (1-39) - Energetic devotion to a task or an endeavor; diligence.

1. Early to bed, and early to rise, makes a man healthy, wealthy and wise
2. Diligence is the mother of good luck
3. God helps them that help themselves
4. Sloth, like rust, consumes faster than labor wears, while the used key is always bright
5. Dost thou love life, then do not squander time, for that's the stuff life is made of
6. Lost time is never found again
7. He that riseth late, must trot all day, and shall scarce overtake his business at night
8. Drive thy business, let not that drive thee
9. Industry need not wish
10. He that lives upon hope will die fasting
11. There are no gains, without pains
12. Plough deep, while sluggards sleep, and you shall have corn to sell and to keep
13. One today is worth two tomorrows
14. Have you somewhat to do tomorrow, do it today
15. Be ashamed to catch yourself idle
16. Let not the sun look down and say, inglorious here he lies
17. He that hath a trade hath an estate
18. He that hath a calling hath an office of profit and honor
19. At the working man's house hunger looks in, but dares not enter
20. For industry pays debts, while despair encreaseth them
21. Constant dropping wears away stones
22. By diligence and patience the mouse ate in two the cable
23. Little strokes fell great oaks
24. Employ thy time well if thou meanest to gain leisure
25. Since thou art not sure of a minute, throw not away an hour
26. A life of leisure and a life of laziness are two things. Do you imagine that sloth will afford you more comfort than labor?
27. Trouble springs from idleness, and grievous toil from needless ease.
28. Many without labor would live by their wits only, but they break for want of stock
29. Industry gives comfort, and plenty, and respect: fly pleasures, and they'll follow you
30. Keep the shop, and thy shop will keep thee
31. If you would have your business done, go; if not, send
32. He that by the plough would thrive, Himself must either hold or drive.
33. The eye of a master will do more work than both his hands
34. Want of care does us more damage than want of knowledge
35. Not to oversee workmen is to leave them your purse open
36. In the affairs of this world men are saved not by faith, but by the want of it
37. Learning is to the studious, and riches to the careful, as well as power to the bold, and Heaven to the virtuous
38. If you would have a faithful servant, and one that you like, serve yourself
39. For want of a nail the shoe was lost; for want of a shoe the horse was lost, and for want of a horse the rider was lost

Frugality (40-78) - Prudent economy; that careful management of anything valuable which expends nothing unnecessarily, and applies what is used to a profitable purpose; thrift; — opposed to extravagance.

1. A man may, if he knows not how to save as he gets, keep his nose all his life to the grindstone, and die not worth a groat at last
2. Beware of little expenses; a small leak will sink a great ship
3. Buy what thou hast no need of, and before long thou shalt sell thy necessaries
4. A fat kitchen makes a lean will
5. Many estates are spent in the getting, Since women for tea forsook spinning and knitting, And men for punch forsook hewing and splitting.
6. Think of saving as well as of getting: the Indies have not made Spain rich, because her outgoes are greater than her incomes
7. Women and wine, game and deceit, Make the wealth small, and the wants great.
8. What maintains one vice, would bring up two children
9. Who dainties love, shall beggars prove
10. Fools make Feasts, and wise men eat them
11. Buy what thou hast no need of, and before long thou shalt sell thy necessaries
12. Wise men learn by other's harms, fools scarcely by their own
13. Silks and satins, scarlet and velvets, put out the kitchen fire
14. A ploughman on his legs is higher than a gentleman on his knees
15. Always taking out of the meal-tub, and never putting in, soon comes to the bottom
16. When the well's dry, they know the worth of water
17. If you would know the value of money, go and try to borrow some
18. He that goes a borrowing goes a sorrowing
19. Fond pride of dress, is sure a very curse; E'er fancy you consult, consult your purse.
20. Pride is as loud a beggar as want, and a great deal more saucy.
21. When you have bought one fine thing you must buy ten more, that your appearance maybe all of a piece
22. Tis easier to suppress the first desire than to satisfy all that follow it
23. Great estates may venture more, But little boats should keep near shore.
24. Pride that dines on vanity sups on contempt
25. Pride breakfasted with plenty, dined with poverty, and supped with infamy
26. But what madness must it be to run in debt for these superfluities!
27. When you run in debt; you give to another power over your liberty
28. The second vice is lying, the first is running in debt
29. Lying rides upon debt’s back
30. Poverty often deprives a man of all spirit and virtue: it is hard for an empty bag to stand upright
31. Creditors are a superstitious sect, great observers of set days and times
32. Those have a short Lent who owe money to be paid at Easter
33. The borrower is a slave to the lender, and the debtor to the creditor
34. Disdain the chain, preserve your freedom; and maintain your independency: be industrious and free; be frugal and free
35. For age and want, save while you may; No morning sun lasts a whole day
36. Gain may be temporary and uncertain, but ever while you live, expense is constant and certain
37. Tis easier to build two chimneys than to keep one in fuel
38. Rather go to bed supperless than rise in debt.
39. Get what you can, and what you get hold; It is the stone that will turn all your lead into go

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There Is No Age On Your Dreams

Dara Torres won a silver medal tonight in the 50 meter freestyle swimming. Usually, winning a silver medal is not a truly newsworthy event for someone who has won numerous medals in her career. What made this astonishing is that Torres is 41 years old. This is ancient for Olympic swimming. To offer a contrast, one of her teammates is 16 years old; young enough to be her daughter.

Torres has competed in 5 or the last 7 Olympics. This is a longevity which is unheard of in this sport. However, it does prove that there is no age limit to your dreams. Dara Torres competed and succeeded at the highest level in a sport where she is considered over-the-hill at 30. Her re-emergence after almost a decade away shows that one can always achieve what he or she sets out to do.

There are three valuable lessons here that we all can apply to our lives.

1. Age is not an excuse:

A 41 years old medal winning swimmer? Torres easily could have said "I am too old to compete". The same is said for Famous Amos and The Colonel. Both of them started building their fortunes in their 60s. Many of us allow ourselves off the hook by throwing up this alibi. We see this when people are considering going back to school. They like to say, "I will be X years old when I am finished". The reply is "how old will you be four years from now if you do not go back to school?". The age excuse fails to work.

2. Get started:

At some point, Dara Torres needed to get back into her training. Talking and believing that she could do it is only part of the challenge. She needed to get after it. The same holds true for you. While age is not an excuse, time is still passing by one second at a time. You will be a year older in 12 months. What you do with that time determines where you will be then. Getting started is of paramount importance. While there are many examples of people who began later in life, there is no reason to wait. Overcome all the fear within you and start.

3. Pursuing a different direction is acceptable:

Torres is now at the point where she is going to pursue a different route in her life. Most likely, although we cannot bet against her, her Olympic career ended tonight. She is now going to move onto the next phase of her life. Even though she spent decades training in this one field, it is time to move onto something new. This is common among athletes. However, average people resist making this change. There are so many who stay right where they are because that is what they were trained to do. The concept of pursuing something different is completely foreign to them. Well that is rubbish. Just because you spent 20 years doing one thing, that does not mean that you are forbidden from going into something else. Athletes do it. So can you.

Think of these points for a little while. Consider where you are at in this moment compared to the dreams that still arise within you. Perhaps it is time to approach you life like Dara Torres does her. Following the lead of an Olympic champion will produce fabulous results.
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Gandhi's Seven Sins

There are seven sins in the world:

wealth without work,
pleasure without conscience,
knowledge without character,
commerce without morality,
science without humanity,
worship without sacrifice,
and politics without principle.

—Mahatma Gandhi
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The Olympic Success

Michael Phelps is the story this week at the Olympics. Presently, he tied Spitz's record of 7 golds with another race left to go. He already has the most gold medals in American history. This is a feat that is remarkable no matter how one breaks it down. Phelps is an Olympic hero.

Let us look at your life. Are you anywhere close to be an Olympic champion in your field. For most, the answer is "No". They are drifting through life constantly hoping that things get better yet never realizing that possibility. There is no dream within them.

Let us reverse this trend by looking at what makes Phelps a champion and apply the four basic components to our lives. This is what separates Phelps from all others.

1. Physical: He is physically gifted in this area. Are you naturally cut out to do what you are doing? This might be physically, but also includes passion, desire, mental ability, and natural love for that career path. We are all "designed" to do something. Success starts with aligning ourselves with that natural ability.

2. Practice, practice, practice: Phelps swims over 3 miles everyday. Do you put in the effort to practice your craft? This would include studying, reading, or modeling the successes of those who are achieving what you desire. Become an expert in your field. Phelps is not only physically gifted, he honed his craft to the point where each stroke is like it was done by a machine.

3. Mental Outlook: All the great ones have this. Phelps, like Tiger Woods and others, believes he is going to win every race before it starts. His ability is not in doubt. Do you have this same outlook? Is the belief that you are going to excel in whatever you are doing present within you? For most, it is not. The champions have this as a basis for all their achievement.

Focus you attention on these three areas. If you find that you are lacking in any of them, this is an indication of what is holding you back. Uncover what you natural desire is, work hard at it, and believe that you will excel and you will find that success is a daily part of your life.
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17 Wealth Principles of the Poor

1 Poor People believe "Life happens to me"

2 Poor people play the money game not to lose

3 Poor people want to be rich

4 Poor people think small

5 Poor people focus on obstacles

6 Poor people resent rich and successful people

7 Poor people associate with negative or unsuccessful people

8 Poor people think negatively about selling and promotion

9 Poor people are smaller than their problems

10 Poor people are poor receivers

11 Poor people choose to get paid based upon time

12 Poor people think "either/or"

13 Poor people focus on their working income

14 Poor people mismanage their money well

15 Poor people work hard for their money

16 Poor people let fear stop them

17 Poor people think they already know
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17 Wealth Principles of Rich People

RICH PEOPLE
1 Rich people believe "I create my life"

2 Rich people play the money game to win

3 Rich people are committed to being rich

4 Rich people think big

5 Rich people focus on opportunities

6 Rich people admire other rich and successful people

7 Rich people associate with positive, successful people

8 Rich people are willing to promote themselves and their value

9 Rich people are bigger than their problems

10 Rich people are excellent receivers

11 Rich people choose to get paid based upon results

12 Rich people think "both"

13 Rich people focus on their net worth

14 Rich people manage their money well

15 Rich people have their money work hard for them

16 Rich people act in spite of fear

17 Rich people constantly learn and grow
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Steps To Handling Any Task

This is a guaranteed method that will get you to overcome procrastination while taking action that is needed. Many allow their minds to deter them from moving forward. They have a tendency to project into the future while seeing negative results. This can include the proverbial “making a mountain out of a mole hill”. We often focus on how large the task is in front of us. Rarely do we recognize the fact that it usually is not as bad as we made it out to be.

The hardest part about any activity is getting started. Physics teaches us that it takes the most energy to get something moving from a stationary position. It takes more fuel to get a commercial airplane off the ground than it does to keep it in the air. The same principle applies to you. Getting yourself to take action is harder then continuing once you started.

So how do we get started? Follow these three steps to see a noticeable increase in your productivity.

1. Make a list of all the steps needed to complete the project.

2. Choose three from the list that are the simplest and easiest to complete

3. Do those things immediately

This will get you to take action. Many teach handling the hardest item first. This is applicable of one does not have an ongoing battle with procrastination. However, for those who deal with this foe, it is best to get started somehow. Selecting that which can be easily handled will help overcome this. Then, once you are going, it becomes a bit easier to continue. Try this the next time you are putting something off.

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Motivation

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Lessons From A Father

It seems like you are making the right decision. The road that you are going down seems less fearful. Difficulty is certain heading along the other path. We know that this choice is best. There are so many ways to justify this decision. In your mind, it is the right thing to do for your child. Of only you had the foresight to see the peril in your decision.

I write these words from experience. There was a time when I stood at the same crossroad. My choices were identical: to stay or to go. Being young and immature, my rationalization led me to leave. Her mother did not have the luxury of a choice. Although I justified it in my own mind, there is no reason to abandon a child. Succumbing to fear will never lead to a healthy conclusion. It is the utmost in selfish behavior.

All around me I see men making the same choice. It saddens me deeply, because I know the results of their choice. Today, I have the insight I lacked so many years ago. Hindsight is indeed 20/20. If I had to do it all over again, I would choose the other path. The one I selected turned out to be the more difficult one. It is wrought with pain and frustration. Once you walk out that door, it is extremely treacherous to get back in. We can make up for a lot in life; time is not one of those things.

I see so many that believe they are doing the right thing by leaving. The most common argument is that I cannot make enough money here. Another is about not being able to get along with the mother. Both those situations may be true. However, they do not apply to one's relationship with his child. Your child cares little about the money you make. Nor does that child really care about the toys-his/hers or yours. And once you leave the house, the relationship with the mother is secondary. What matters is being there for your offspring. That is paramount.

Children are resilient. They adapt to the circumstances around them. Whatever form the family dynamics take, they will adjust. The question is how well will you be able to adjust? Do not be surprised if you learn that your decision created a host of other factors you never envisioned. Are your ready to live with the pain of those factors? Since it is likely you are unaware of the potential pitfalls of your choice, the odds of you being prepared for them is minimal.

My experience is that you need to forgo the money. Also, do what is necessary to get along with the mother. Stop hanging with your buddies and be responsible. Get off the alcohol/drugs so that you can be a father. This is the most reasonable option you have. If you choose to continue as you are doing, your road ahead will be a lot bumpier.

There was a time when I chose to leave my child’s life. That single choice removed me from my daughter for the first 5 years. She did not even know that I existed. During that time, another man walked into her life who became “dad” to her. To this day, he is still referred to as that even though she understands my biological connection to her. It is something that I live with everyday of my life. My choice led me to give up my position as my child's father.

After I garnered enough courage to try to resolve the situation with my daughter, it was too late. Stepping in after 5 years is an impossibility. Although I had the courts approving my re-emergence, I did not have my child's. Her entire world was shook to it's foundation. Someone of that age has a tough time understanding what is transpiring. In her mind, I was a disruption to the only world she knew. This instilled a lot of fear which manifested as anger. We are often unaware of how deeply our decisions can affect out children.

If you think the path back in was easy, think again. It took another 5-6 years before my daughter was somewhat tolerant of me. As mentioned, I am still not “dad” to her. And I never will be. That role was sacrificed by my decision. I also had to accept that I have no hope of ever having the type of relationship with her that my father does with my sister. That is reserved for the one who chose to be in her life even though this child was not biologically his.

The only hope that I have is to be a friend to her. My job now is to love her in whatever capacity she allows me. I offer my support for her with the expectation of nothing in return. I am entitled to nothing in this relationship. It was me that chose to leave. I am a guest in her life and am relegated to behaving as such. My rights went out the window the day I made that ill-fated decision. The courts may say one thing, but the mind of a jilted child will say something totally different. In the end, it is only her viewpoint that matters.

So you have the decision to stay or go. I know how much easier the road of going looks. Do not be fooled. It truly is the tougher route to take. This one decision will affect you the rest of your days. Learn from my experience and be sure to get it right. It matters little what your relationship with your child's mother is like. The best I hope for is amicable in that department. Money is no substitute for the love of a father regardless of how much it is. All your present selfish wants and desires might satisfy you now, but they will leave a big hole in you in the future. That, I can guarantee you.

There is only one choice here; that is to remain. Be a part of that child's life. This is not to say that you should stay with the mother. Some people simply do not belong together. Two people who are at each other’s throats fail to create a proper home for a child. Often it is best for all involved to part ways. However, being a part of that child(ren)’s life is always the best choice.

I say all this not so much for his/her sake, but for yours. I can only speak as one who abandoned my child and the pain is caused in my life. It is not something that I would wish upon another man. Not only do I feel the suffering within me but it is doubled when I consider the pain that I inflicted upon her. My decision affected someone who was completely innocent in the situation. I can assure you this is not something that you want to live with.

Learn from my mistake. It will save you an untold amount of suffering. You fail to realize the catastrophic consequences of your decision to leave. It is easy to do; I fell prey to it also. However, hindsight led me to write this for your sake. My bed is made. I accept the lifelong consequences of my horrific decision so many years ago. Yet I hope you choose the opposite track. If this can help just one person avoid this perilous state, then my experience didn't go for naught. Give yourself and your child a tremendous gift by choosing to be a part of his/her life. I can tell you from experience that you will regret not doing so.

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3 Myths About Saving

We are a nation of debtors. All the statistics over the past decade point to this. The savings rate is at an all-time low. At no point in our nation's history have we saved less money. At the same time, we also have used credit to supplement our spending, pushing this to an all-time high. The result is lots of people in financial turmoil. Unfortunately, part of reversing this dilemma is to begin putting some money away each week. Consistent saving of money is a habit that needs to be bred in all individuals if they hope to achieve financial independence. Of course, when you challenge people with this, they immediately begin to throw out the excuses. Some of these excuses are so prevalent that the majority of society believes them.

Here are the three biggest myths about saving money that people believe in:

1. I cannot afford to save money.

This is absolutely not true. Everyone can save something each week/month. The reason that individuals tend to spend everything that they have is because of habit. There are numerous ways to reduce expenses so as to have a little to put away. People often claim to be spending all that comes in. This is true in most instances. However, is it not possible to bring a bag lunch one day at the cost of a few dollars rather than going out. This will save somewhere between $4-$6 each time it is done. It becomes easy to put away $25.00 a month into a savings account when this is implemented.

Another aspect of savings that makes it really easy is the advent of direct deposit. Most companies offer this service to their employees. Typically, individuals have their entire pay check going into a single account-the checking account. Of course all bills are paid out of this. An easy way to alter this is to give the company a second account number. This account, a savings account, will receive a percentage of your pay; perhaps 5%. An interesting observation is that people do not even miss the money out of their checking account after a couple of weeks. It is also fun to watch the savings account grow over the course of months.

The two strategies make it fairly simple to save money on a regular basis. It basically requires a commitment to develop a new habit.

2. Just owning assets is the same as cash.

There is an old saying 'cash is king'. Nothing can beat having a lot of money in liquid form. There is simply no substitute. People who believe that having things that are worth a lot of money is what wealth is all about are misguided. It is true that owning assets are a vital part of financial success. However, having a net worth of $1 million is not the same as having a million dollars in cash. The primary benefit of assets is the cashflow that they throw off. Many people do not work a job because their assets throw off enough cash to cover their expenses.

The fallacy behind this belief is that often people do not own the assets they are referring to. Take real estate as an example. Those who claim to be wealthy when they add up the value of their properties often find themselves in trouble when market conditions change. This is because the bank truly owns the property. The mortgage needs to be paid in full before it can be considered an asset. Even after that occurs, there are taxes, insurance, and upkeep to be factored in. Also, if someone gets into a dire situation, it typically is not possible to turn real estate into cash. It is not a liquid asset. Cash is the one resource that will allow you to get through the difficult circumstances.

3. Saving will make me have to sacrifice the things that I want.

As mentioned, people spend more than they take in. When we factor the credit given to people, the average individual spends 110%-125% of what they earn. Obviously, that equates into a lot of interest paid over the course of time. Figuring the amount of interest of something bought on credit often runs into the thousands. Often the interest is equal to the original purchase price meaning that one paid double for the item. By saving money, one can pay for the larger ticket items such as furniture, a car, or vacations with cash. The savings in interest alone will more than pay for the 'sacrifices' you made. In reality, saving money does not hinder one's lifestyle; it actually provides freedom. Over time, you will not be without but rather enjoy more.

Refrain from buying into the myths about saving money. Shattering these beliefs will allow you to begin your path to financial freedom. It is the most basic component of investing. Setting a little aside each pay period will provide the resources to attain higher rates of returns. It will also reduce the stress and pressure that is common with the financially overextended lifestyle.

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Have A Plan For The Day

It always amazes me how people will take the time out to plan a trip yet refuse to spent even a few minutes planning their lives. As we all know, having a plan when traveling helps to prevent getting lost. It also keeps one on the proper path to make sure that time lines are maintained. Not surprisingly, planning our lives has the same effect. Setting forth the direction that we are heading and the time periods for accomplishing different things increases the chances that we will not get lost.

Many write about the importance of setting goals. It is true that short-term and long-term goals give us insight into what our lives will look like. Creating a longer perspective spanning a few decades enables one to develop a fulfilling life. The shorter goals provide the stepping stones to these achievements. Goals in writing offer the incentive to overcome those obstacles as they arise. They are our roadmap on our trip of life.

As important as having a life plan is, it is incomplete without breaking it down to the shortest time period possible. As much as we tend to focus on the months and years of our lives, this is not where we live. Like they say in twelve step programs, we live 'one day at a time'. Upon awakening, each of us faces 12-18 hours before we retire in bed again. How we utilize this time is what separates the quality of life among different people. Of course, the way to make this most time most effective is to plan it out.

Many have a daily planner that they use. This is especially true in their business. All the appointments for the day are entered. Deadlines are noted along with plans for achievement. However, this is an incomplete 'plan'. To neglect one's personal affairs is what often leaves people feeling a bit unfulfilled.

The same twelve step programs mentioned above contain the aspect of daily plan. Part of their curriculum is to look at the day ahead to prepare for those situations where moments of weakness might arise. The temptation to fall back into the addictive behavior is reduced if one anticipates a troublesome area. Also, by concentrating on how one will attempt to respond in those circumstances, the perils are lessened.

If this concept is effective in combating addiction, how much impact would it have on the life of a non-addict? The answer is that it can take one's life from a 'lost journey' to one that has purpose. By knowing where one is headed on a daily basis, the tendency to get lost is eliminated. We move from activity-to-activity seamlessly. Tasks that do not fit into our plan are not considered. A focused mind has a tremendous amount of power. A daily plan concentrates the mind on what is important.

Marc Victor Hansen, author of The Chicken Soup For The Soul series, claims to get up at 4:00 am each morning to set down his daily plan. He writes out his day in detail. It includes who he is going to see, what he is going to do, what he hopes to accomplish, and what he looks to give to each situation. Is it any wonder that he has sold over 100 million books? With a habit like this, nothing is left to chance. In effect, he 'lives' his day in his mind before he actually experiences. The chances that circumstances will go as he desires are increased since he already 'lived' the situation that morning. With his script for the day complete, he only need to follow it much in the same way an actor performs a scene. There is a certain amount of ad libbing involved. However, the basic essence of the scene comes off as it was written.

The time spent planning your day will be dwarfed when you see the results that it produces. One quickly realizes that a few minutes of planning saves an equal, if not greater, amount of time. Time wasters are eliminated since an itinerary for the day is set. Those unexpected surprises can be dealt with in a more powerful fashion since the overall 'essence' of the day is in place. Give yourself this wonderful gift by planning your day in advance.

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If I Had To Live My Life Over

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If I Had To Live My Life Over
by erma bombeck

I would have gone to bed when I was sick instead of pretending the earth would go into a holding pattern if I weren’t there for the day.

I would have burned the pink candle sculpted like a rose before it melted in storage.

I would have talked less and listened more.

I would have invited friends over to dinner even if the carpet was stained, or the sofa faded.

I would have eaten the popcorn in the “good” living room and worried much less about the dirt when someone wanted to light a fire in the fireplace.

I would have taken the time to listen to my grandfather ramble about his youth.

I would never have insisted the car windows be rolled up on a summer day because my hair had just been teased and sprayed.

I would have sat on the lawn with my children and not worried about grass stains.

I would have cried and laughed less while watching television, and more while watching life.

I would never have bought anything just because it was practical, wouldn’t show soil, or was guaranteed to last a lifetime.

Instead of wishing away nine months of pregnancy, I’d have cherished every moment and realized that the wonderment growing inside me was the only chance in life to assist God in a miracle.

When my kids kissed me impetuously, I would never have said, “Later. Now go get washed up for dinner.”

There would have been more “I love you’s.” More “I’m sorry’s.”

But mostly, given another shot at life, I would seize every minute… look at it and really see it… live it… and never give it back.

Stop sweating the small stuff. Don’t worry about who doesn’t like you, who has more, or who’s doing what.

Instead, let’s cherish the relationships we have with those who DO love us.

Let’s think about what God HAS blessed us with.

And what we are doing each day to promote ourselves mentally, physically, emotionally, as well as spiritually.

Life is too short to let it pass you by.

We only have one shot at this and then it’s gone.

I hope you all have a blessed day.

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8 Tips For Getting Things Done

1)Plan out your approach to the task:

No point in trying to tackle any project without knowing what you need and what you need to do. Take the extra few minutes to make sure you know exactly what the goal is and how to accomplish it.

2)Make a list:

Sometimes having an outline or a list can help you visualize everything you need to do to get from the beginning to the end of a project with as few mistakes as possible. Having something written down allows you to check off each step as you complete it and gives you a reference point should you be interrupted while you are working. Each check can also give you a way to see your progression so you don’t feel like you are spinning your proverbial wheels.

3)Gather all your tools before you begin:

There is very little that wastes more time than having to get up in the middle of a project to go find something you forgot to bring with you in the first place. As part of your list, create a secondary list of all the tools or supplies you will need to complete whatever task you are working on. Make sure those tools and supplies are enough to finish the job. Nothing like being “in the zone” and having to go out to get more of something because you didn’t check to see if you had enough.

4)Clear your area of all unnecessary clutter:

If you don’t need it to do the job, get rid of it. Move it to another room. Put it away. The less you have to distract you the more efficient and focused you become. Chances are you will also finish the project in less time because you have eliminated the urge to stop and take care of something that has nothing to do with what you are working on.

5)Eat something:

Starting any project on an empty stomach only ensures that you will have to stop shortly after you eat. It also increases the chance that you will have less concentration and brain power. It doesn’t have to be a huge meal, in fact that would probably slow you down. Have a sandwich or a salad, just something light that will keep your stomach from distract you from working.

6)Turn off your phone:

Somewhere out there, there is a rule that says as soon as you are deep into whatever you are doing someone will call. Turning off the phone will limit the unplanned interruptions.

7)Limit your distractions:

If you live alone this will be a bit easier since most of your distractions will be self created. For those who live with someone, let the others know that you will busy and you need uninterrupted time to complete the task. Make sure the dog has fed and has been out. Some people have gone as far as to put a “Do Not Disturb” Sign on the front door.

8)Get to work:

Once you have done all of the above, just get to work. The sooner you get started, the sooner you finish. There satisfaction you will feel in having completed the task should motivate you to move on to the next task and the one after that.
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