Thursday, December 31, 2015

It Only Takes 6 Steps to Plan Your Success
Written by Jim Rohn

Because it’s not about what happens to us, but rather what we do about it.

Our results are only as good as our plan.

My mentor Earl Shoaff taught me that it's not what happens that determines the major part of our future—because what happens, happens to us all. Instead, he taught me that the key is what we do about it. If we start the process of change by developing a plan, doing something different the next year than we did the previous year, it won't matter how small those efforts start. Start doing different things with the same set of circumstances—the ones we've always had and cannot change—and see what miracles occur. If we start the miracle process and change ourselves, then everything changes. And here's what is interesting: The difference between failure and success is subtle.

Let me explain by giving you my definitions of failure and success: Failure is a few judgment errors repeated every day. The man says, "Well, I didn't walk around the block today and it didn't kill me, so it must be OK." No, no, it is that kind of error in judgment that after six years has him out of breath and panting as he walks from his car to his office. You can't make those kinds of mistakes. It will cost you.

Now, here is my definition of success: a few simple disciplines practiced every day. Do you see the distinction? A few disciplines... Here's a little phrase we've all heard, "An apple a day keeps the doctor away." And my question to you is, "What if that's true?" How simple and easy is that plan?

The fact is, when you look at successful people, you will almost always discover a plan behind their success. They know what they want, they work out a plan that will get them where they want to go, and they work their plan. It is the foundation for success.

As humans, we have the unique ability to affect change in our lives. It is through our own conscious choice when we engage in the miracle process of personal development that we are able to transform our nature and our lives.

I want this year to be a success for you—a smashing success—and we know that means you need to have a plan, and then methodically work that plan. The combination of materials, your open attitude toward learning and your diligence to follow a plan that is right for you will make this year the kind of success we know you want it to be. So let me challenge you to be no less sincere, no less committed to the advancement of your philosophy, the set of your sail, your plan.

So, what are some good ideas on developing a plan that will work well and take you to the finish line powerfully? Here are the five major points to keep in mind:

1. Develop the right plan for you.
Some people are very detail-oriented and are able to closely follow an intricate plan. Others are less detail-orientated, which is OK, too.

So what plan is the right plan? The plan that fits you. Each of us is unique and motivated by different factors and you've got to develop a plan that is right for you and fits you. Some plans will not be as intricate as others, but we all must have a plan, along with goals in that plan, to move us along. If you are a free spirit, don't tell yourself you are going to spend two hours a day with a book and a journal. It probably won't happen and you will just get discouraged. Whatever your personality, your strengths and your weaknesses, develop the plan around them. This is not a one-plan-fits-all proposition.

2. Establish times to spend on it.
It might be every Sunday night. It might be 20 minutes each morning or at lunch at before bed. It might be in the car listening to CDs every Monday, Wednesday and Friday. Whatever it is, set the times and do it. In your step-by-step plan, put down points that you can accomplish every week. They should be specific and achievable. Develop the discipline and take those steps every day, which will move you closer to your goals.

3. Keep a journal.
Take notes. Mr. Shoaff taught me not to trust my memory, but to write it down, to find one place to gather the information that affects change. And that advice has served me well all these years. Record the ideas and inspiration that will carry you from where you are to where you want to be. Take notes on the ideas that impact you most. Put down your thoughts and ideas. Brainstorm with yourself on where you are going and what you want to do. Record your dreams and your ambitions. Your journals are a gathering place for all the valuable information that you will find. If you are serious about becoming wealthy, powerful, sophisticated, healthy, influential, cultured and unique, if you come across something important, write it down. Two people will listen to or read the same material and different ideas will come to each one. Use the information you gather and record it for further reflection, for future debate and for weighing the value that it is to you.

4. Reflect.
Create time for reflection—a time to go back over, to study again the things you've learned and the things you've done each day. I call it “running the tapes again” so the day locks firmly in your memory and serves as a tool. As you go through the material in this plan, you will want to spend time reflecting on its significance to you. Take a few minutes at the end of each day and go back over the day: who you talked to, who you saw, what they said, what happened and how you felt. Every day is a piece of the mosaic of your life.

Next, take a few hours at the end of the week to reflect on the week's activities. Also during that weekly time, take a few minutes to reflect on how this material should be applied to your life and circumstances. Take a half day at the end of the month and a weekend at the end of the year so that you've got it, so that it never disappears, to ensure that the past is even more valuable and will serve your future well.

5. Set goals.
Remember that your plan is the roadmap for how you are going to get to your goals, so you have to have them. Of all the things that changed my life for the better (and most quickly), it was learning how to set goals. Mastering this unique process can have a powerful effect on your life, too. I remember shortly after I met Mr. Shoaff, he asked me if I had a list of my goals, and of course I didn't. He suggested to me that because I lacked a set of clearly defined goals that he could guess my bank balance within a few hundred dollars... and he did! Well, Mr. Shoaff immediately began helping me define my view of the future, my dreams. He taught me to set goals because it is the greatest influence on a person's future and the greatest force that will pull a person in the direction that they want to go. The future must be planned, well designed to exert a force that pulls you toward the promise of what can be.

6. Act on your plan.
What separates the successful from the unsuccessful so many times is that the successful simply do it. They take action. They aren't necessarily smarter than others; they just work the plan. The time to act is when the emotion is strong. Here's what happens if you don’t: The Law of Diminishing Intent. We intend to act when the idea strikes us, when the emotion is high, but if we delay and we don't translate that into action fairly soon, the intention starts to diminish, diminish and a month from now it's cold and a year from now it can't be found. So set up the discipline when the idea is strong, clear and powerful—that's the time to work the plan. You must capture the emotion and put it into disciplined activities and translate it into equity. And here's what is interesting: All disciplines affect each other; everything affects everything. That's why the smallest action is important—because the value and benefits that you receive from that one little action will inspire you to do the next one and the next one... So step out and take action on your plan, because if the plan is good, then the results can be miraculous.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2016. As a world-renowned author and success expert, Jim Rohn touched millions of lives during his 46-year career as a motivational speaker and messenger of positive life change. For more information on Jim and his popular personal achievement resources or to subscribe to the weekly Jim Rohn Newsletter, visit www.JimRohn.com.

Wednesday, December 23, 2015

The Greatest Gift You Can Give Is Self-Improvement
Written by Jim Rohn

Because what you give becomes an investment that will return to you multiplied.

I'm often asked the question, "How can I help someone else change, improve, be better?"

My answer often comes as a surprise, and here it is: The key to helping others is to help you first.

In other words, the best contribution I can make to someone else is my own personal development. If I become 10 times wiser or 10 times stronger, think of what that will do for my adventure as a father... as a business colleague... as a friend.

So the best gift you can give to others, really, is your ongoing personal development—getting better, getting stronger, becoming wiser.

If you have ever ridden in an airplane, then you might have noticed the oxygen compartment located above every seat. There are explicit instructions that say, "In case of an emergency, secure your own mask before helping others." Take care of yourself first. If we used that same philosophy throughout our whole life, it would be so valuable.

I think parents should pick up this valuable philosophy. If the parents are OK, the kids have an excellent chance of being OK. If you learn to create happiness, your kids have an excellent chance of being happy. If you create a unique lifestyle for yourself, it will be a great example to serve your family.

Self-development enables you to serve, to be more valuable to those around you—for your child, for your colleague, for your business, for your community.

That's why I teach development skills. If you keep refining all the parts of your character, yourself, your health so that you become an attractive person, you'll attract opportunity. Opportunity will begin to seek you out. Your reputation will begin to precede you and people will want to be close with you, to do business with you.

All of that possibility is created by working on the philosophy that success is something you attract by continually working on your own personal development.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2015. As a world-renowned author and success expert, Jim Rohn touched millions of lives during his 46-year career as a motivational speaker and messenger of positive life change. For more information on Jim and his popular personal achievement resources or to subscribe to the weekly Jim Rohn Newsletter, visit www.JimRohn.com.

Sunday, December 20, 2015

WARNING: The Killer to Your Success
Written by Darren Hardy

I have to warn you about something.
There is a murderer in your midst.
In fact, this killer lies within and it will be what kills your success.
Let me explain in the audio below:

>>> CLICK TO LISTEN

You see, becoming successful is easy. Many people reach success.

It’s staying successful that’s hard. And most don’t.
To stay successful, you have to stay hungry.


Those, in fact, were the final words of Steve Jobs’ 2005 Stanford commencement speech, “Stay hungry. Stay Foolish.”

Why is this so important?
Because the enemy of success and the death of your drive and spirit, is complacency.

Complacency moves into your life so subtly and slowly like a fog bank that ends up blanketing a coastal village and then suppresses our potential without us even realizing it.

Hey, we all start out excited about life. We have grand visions and big goals. We make heroic proclamations about what we will do and who we will become. Fired up about the future with intoxicating passion surging through our veins, we tackle the unknown with unbridled courage and determination.

But then, as we stub our toes a few times we start heeding the warnings of others. Those “who know better” and eventually learn to play it safe. Our zealous enthusiasm is bridled a bit, and we meld into doing things according to “best practices” and they way it’s always been done.

Finally, with some reasonable level of success achieved, enough social admiration and a feeling of security and self-esteem obtained, we become content. Our ego is satisfied, society has accepted us and we’re “off the hook.”

THIS is when the grim reaper of complacency starts moving in. It’s part of our human nature. Our brains instinctively conserve energy by relying on things staying the same as a way to survive. Being complacent is easy. CHANGING something because it’s the right thing to do, that is what’s hard.

Complacency is what leads our resistance to change. Fear of the unknown confines us to the comfort zone of complacency, particularly when we can convince ourselves that our current condition is “good enough.” So we stay with jobs, relationships, lifestyles and identities WAY beyond the vital learning curve.

We settle in, forever enslaved to a self-contentment that caps our willingness to move into the fertile realm of insecurity, where our greater potential resides and our grand adventure awaits.

When we run from hard work and negative emotions, we are running from the very thing that we need to make us stronger. Too many times, people get into a routine in their lives. They get up and have the same breakfast. They do the same work, the same way day after day. They come home and do the same evening routine, possibly drinking too much or watching too much TV.

And then they say they are “content” with their lives. They say that they like what they are doing and how they are living their lives. But are they really content or have they gotten complacent?

How many times a day do we react to growth opportunities with: “Yeah, but” or “Why bother?”
Complacency entraps us in a dependency on situations that have long outlived their purpose, justifying all the “good” reasons why we should just play it safe, stay where we are, and not rock the boat.

But here’s the real risk—you risk LIFE. It is not contentment that makes us happy. It’s actually, quite the opposite. It’s the moments when we are striving, driving and reaching for something that we feel most spirited and alive. And look, life isn’t worth living unless you feel it, right?

Content republished with permission from Darren Hardy, Publisher of SUCCESS magazine. For more great insights, tips and strategies on success and achievement go to http://DarrenHardy.SUCCESS.com. More about Darren Hardy can be found at: http://DarrenHardy.SUCCESS.com/About.

Wednesday, December 9, 2015

Pay Yourself First - Yes, Even Before Your Bills

The philosophy of the rich versus the poor is this: The rich invest their money and spend what is left; the poor spend their money and invest what’s left. ~ Jim Rohn

Think you don’t make enough money to save some of it? Think again!

If you earn $25,000 a year for 40 years, you will have earned $1 million dollars! Earn $35,000 for 40 years, and you’ve earned $1.4 million dollars. And if you earned $45,000 for 40 years, you’d have made $1.8 million dollars!

Just like your taxes are automatically taken out of your check, you can automate paying yourself first as well. By paying yourself first, you can get ahead in the savings game.

Here’s what can happen when you save just $100 a month for 40 years:
  • At 3% interest, you would have about $93,000.
  • At 5% interest, you’d have about $153,240.
  • If you got a 9% interest rate, you’d have about $472,000!
That’s the power of paying yourself first! After all, it’s not what you earn – it’s what you keep!

I'm so excited to share this information with you. If you have enjoyed the information or feel that it would benefit someone else, please share it. If you have any comments, please post them below, otherwise, feel free to contact me.

Sunday, December 6, 2015

6 Daily Gratitude Habits That Will Attract More Abundance and Joy into Your Life
Written by Jack Canfield

"There is more hunger for love and appreciation in this world than for bread."
- Mother Teresa, Winner of the Nobel Peace Prize


We are officially entering into “peak gratitude season,” when we celebrate our thankfulness for all the good things in our lives.

But wouldn’t it be wonderful to experience that level of joy, love, and appreciation every day of the year? How would it change your life if you did?

Gratitude attracts more good things to be grateful for

"Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough."
- Oprah Winfrey


Appreciation is one of the highest emotional states you can experience. When you cultivate gratitude, you’re able to feel true joy and contentment, no matter what you have or don’t have in your life. And since the Law of Attraction states that like attracts like, when you’re grateful for what you already have, you will naturally attract more for which you can be grateful.

However, many people find that it requires great diligence to cultivate a persistent attitude of appreciation. That’s because we’ve been culturally conditioned to focus on what we don’t have, rather than appreciating what we’ve already received or achieved.

To help you combat this conditioning, here are 6 simple tips on how to make gratitude a natural part of your daily routine, so you can attract more joy and abundance into your life all year long:

1. Take 7 minutes each morning to write down everything you appreciate in life
Starting your day this way primes you to be receptive and grateful for everything your day will bring. It also helps you cultivate an air of positivity that makes you naturally more attractive to other positive people – and inspires them to want to help you achieve your goals.

2. Make a conscious effort to appreciate at least 3 people every day
By letting people know how much you appreciate them, you increase their own sense of appreciation and self-worth, and encourage them to pay this positive energy forward to other people.

While most people enjoy receiving verbal appreciation, written notes are also nice because they can be saved and re-read. (For ideas on expressing appreciation, grab your copy of The Success Principles and review Principle 53: Practice Uncommon Appreciation.)

3. Play the Appreciation Game
Set a specific time each day to consciously appreciate everything you encounter. An ideal time to do this is on your way to or from work. Appreciate the people you pass, the road you walk on, the cars that let you merge into a different lane, the street signs that make it easy for you to know where you’re going, the rain that’s nourishing the plants and trees, and so on.

Look for the good in all situations – even those you would normally view as negative. As the saying goes, “Every cloud has a silver lining.” For example, when my wife was in a car accident a few years ago, she could have chosen to berate herself or question her judgment. Instead, she focused on her gratitude for suffering only minor injuries and for the help she received from other drivers.

4. Carry a physical token of gratitude in your pocket, such as a heart-shaped stone, crystal, or some other small item
A physical reminder can bring you back to your practice of gratitude when your mind has drifted elsewhere. As you reach into your pocket throughout the day and feel the token, use it as a reminder to stop, breathe and take a moment to fully experience the emotion of gratitude. The more conscious effort you put into seeking it out, the easier it will be to find it – and the more powerful your experience will be.

5. Remember to appreciate the smallest blessings
The best way to activate your gratitude is by acknowledging the gifts most people take for granted. If you have food in your refrigerator, clothes in your closet and a roof over your head, you are better off than 75 percent of the world’s population.

If you eat three meals a day, you are far better off than the 1 billion people on the planet who eat once a day at most.

Do you have a phone? How about a car that allows you to travel to work or to explore the country? Is your family healthy? Do you have a computer and Internet access to stay in touch with the world, get access to education, and perform work for which you are paid? Do you have clean water to drink?

Celebrate these simple blessings. These daily conveniences are gifts that most people in the world do not enjoy.

6. Appreciate yourself
Finally, don’t forget to appreciate your OWN positive qualities and accomplishments. In addition to celebrating your big successes, acknowledge your small daily successes too. We all need acknowledgement, but the most important acknowledgement is that which we give ourselves.

One of the most powerful ways to acknowledge and appreciate yourself is by doing the Mirror Exercise. This powerful exercise requires you to appreciate yourself for the day’s accomplishments while talking to yourself in a mirror. For detailed instructions and guidance for the Mirror Exercise, see page 199-201 of The Success Principles.

It may not feel natural at first to focus on appreciating what you already have, but by faithfully practicing the Daily Appreciation Habits outlined in this article, you’ll begin to change your conditioning.

Jack Canfield, America's #1 Success Coach, is founder of the billion-dollar book brand Chicken Soup for the Soul©Inspirational Books)© and a leading authority on Peak Performance and Life Success. If you're ready to jump-start your life, make more money, and have more fun and joy in all that you do, get FREE success tips from Jack Canfield now at: www.FreeSuccessStrategies.com/.

Sunday, November 29, 2015

Begin With Gratitude and Watch the Miracles Flow Your Way
Written by Jim Rohn

Learn to be thankful for what you already have, while you pursue all that you want.

Is thankfulness a survival skill? Maybe most of you would respond with, "No, thankfulness is not key to survival,” and I would tend to agree with you. Most of us have probably already solved the necessary problems of survival, gone beyond that and are now working to achieve our desires.

But let me give you this key phrase: "Learn to be thankful for what you already have, while you pursue all that you want." I believe one of the greatest and perhaps one of the simplest lessons in life we can learn is to be thankful for what we have already received and accomplished.

Both the years and the experiences have brought me here to where I stand today, but it is the thankfulness that opened the windows of opportunities, of blessings, of unique experiences to flow my way. My gratitude starts with my parents who raised me, gave me an incredible foundation that has lasted me all of these years and continues with the mentors that I've met along the way who absolutely changed and revolutionized my life, my income, my bank account, my future. I am also very thankful for the people, the associations, for the ideas, for the chance to work and labor, and to produce results. I'm grateful for it all.

Always start with thanksgiving; be thankful for what you already have and see the miracles that come from this one simple act.

Now thankfulness is just the beginning. Next, you've got to challenge yourself to produce. Produce more ideas than you need for yourself so you can share and give your ideas away. That is called fruitfulness and abundance—it means working on producing more than you need for yourself so you can begin blessing others, blessing your nation and blessing your enterprise. Once abundance starts to come, once someone becomes incredibly productive, it's amazing what the numbers turn out to be.

But to begin this incredible process of blessing, it often starts with the act of thanksgiving and gratitude, being thankful for what you already have and for what you've already done. Begin the act of thanksgiving today and watch the miracles flow your way.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2015. As a world-renowned author and success expert, Jim Rohn touched millions of lives during his 46-year career as a motivational speaker and messenger of positive life change. For more information on Jim and his popular personal achievement resources or to subscribe to the weekly Jim Rohn Newsletter, visit www.JimRohn.com.

Sunday, November 22, 2015

4 Keys to Unlock the Power of Your Mind
Written by Jim Rohn

When your brain is working at peak performance, it allows you to be your best because it controls the rest.

Take care to feed and stimulate your brain and you will expand your mind. The two are inextricably connected. We need to see the human brain and mind with wonder, awe and inspiration.

The brain is the equivalent of a human supercomputer. It is more complicated than any computer mankind has ever made, and maximizing its ability is essential to becoming the success you want to be—because it controls who you are. It is the command center involved in and controlling absolutely everything you do, determining how you think, feel and act.

Simply put: When your brain is working at peak performance, it allows you to be your best because it controls the rest.

There are some basic influences on the brain that shape how it functions and how far it develops, including genes, self-talk, life experiences, stress and study. Although these things influence the brain, they do not determine how far you can go or what you can learn. In other words, you have the incredible opportunity to go as far as you desire.

So with such a tremendous tool at our disposal, what keeps so many people from experiencing the possibilities that it can bring? There are some simple barriers that have the potential to wreak havoc on your learning if you allow them to, but you can overcome them. The key to breaking through these barriers is to do the opposite…

1. Change your beliefs.
Many people do not believe that they can learn, master knowledge or become "smart." These are deeply held beliefs for many, and ultimately, if we do not believe it, we will not achieve it.

So change your beliefs. It is up to you to do the work of changing your beliefs. And when you do, you will be opening up new worlds—literally! Feed your mind with information that will change your belief. The truth is that you have an amazing mind with a capacity for learning that is beyond your comprehension. You must believe this. And when you do, you will be unlocking the potential of your mind.

2. Get the right knowledge.
What keeps some people from learning is that they choose not to access or do not have access to knowledge. Knowledge comes from experiences, books, people and other "knowledge dispensers." We must tap into that knowledge.

So get the right knowledge. Words if they are not true are meaningless. I hear children say, "I read it in a book." But is it true? Just because someone says it or writes it, doesn't mean it is true. As a learner, you want to get the right knowledge, not just information or opinions. It is your job to seek out information and knowledge and then test it and run it through your mind to see if it is true, and if it can be rightfully applied to your life in order to make it better and help you succeed. You need to weigh and measure what you learn in order to gain the right knowledge. And when you do, you will be unlocking the potential of your mind.

3. Become passionate about learning.
Some people simply do not have the desire to learn. They may be lazy, or they may not see the positive impact that learning would have on them. They have no passion inside that drives them to learn.

So become passionate about learning. This will take some work, but the only way to do it is to begin learning about things that have an immediate impact in your life. When you learn about a new financial concept that helps you earn money or get out of debt, that will get you fired up. When you learn about how to interact with your family in a healthy way and your relationships get better, that will inspire you. Become passionate about learning. And when you do, you will be unlocking the potential of your mind.

4. Discipline yourself through the hard work of study.
Gaining knowledge is hard work and takes a lifetime to master. It is an ongoing discipline that is never complete.

So discipline yourself through the hard work of study. Learning will take work. Until someone comes up with modules that can plug into your mind and give you instant access to knowledge, you are on your own, and that takes work. The process of learning is a long one. Yes, we can speed it up, but it is still a process of reading, listening, reviewing, repetition, applying the knowledge, experiencing the outcomes, readjusting, etc. Simply put, that takes time. Slowly but surely, when you discipline yourself, you gain knowledge and learn. And when you do, you will be unlocking the potential of your mind.

Learning is possible, no matter what your age. You are never too young or too old. Your mind was created to learn and has a huge capacity to do so. This week, make a commitment to unlock the potential of your mind!

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2015. As a world-renowned author and success expert, Jim Rohn touched millions of lives during his 46-year career as a motivational speaker and messenger of positive life change. For more information on Jim and his popular personal achievement resources or to subscribe to the weekly Jim Rohn Newsletter, visit www.JimRohn.com.

Thursday, November 12, 2015

We All Have 2 Choices in Life...to be all that we can be, or to be less
Written by Jim Rohn

Each of us has two distinct choices to make about what we will do with our lives.

The first choice we can make is to be less than we have the capacity to be. To earn less. To have less. To read less and think less. To try less and discipline ourselves less. These are the choices that lead to an empty life—the the choices that, once made, lead to a life of constant apprehension instead of a life of wondrous anticipation.

And the second choice? To do it all! To become all that we can possibly be. To read every book that we possibly can. To earn as much as we possibly can. To give and share as much as we possibly can. To strive and produce and accomplish as much as we possibly can. All of us have the choice.

To do or not to do. To be or not to be. To be all or to be less or to be nothing at all.

Like the tree, it would be a worthy challenge for us all to stretch upward and outward to the full measure of our capabilities. Why not do all that we can, every moment that we can, the best that we can, for as long as we can?

Our ultimate life objective should be to create as much as our talent and ability and desire will permit—to settle for doing less than we could do is to fail in this worthiest of undertakings.

Results are the best measurement of human progress. Not conversation. Not explanation. Not justification. Results! And if our results are less than our potential suggests that they should be, then we must strive to become more today than we were the day before. The greatest rewards are always reserved for those who bring great value to themselves and the world around them as a result of whom and what they have become.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2015. As a world-renowned author and success expert, Jim Rohn touched millions of lives during his 46-year career as a motivational speaker and messenger of positive life change. For more information on Jim and his popular personal achievement resources or to subscribe to the weekly Jim Rohn Newsletter, visit www.JimRohn.com.

Sunday, November 8, 2015

“Inquire within” to achieve greater success in business
Written by Jack Canfield

“Brain researchers estimate that your unconscious data base outweighs the conscious on an order exceeding ten million to one. This data base is the source of your hidden, natural genius. In other words, a part of you is much smarter than you are. The wise people regularly consult that smarter part.” ~ Michael J. Gelb Author of How to Think Like Leonardo da Vinci and Discover Your Genius

When it comes to achieving greater success in business, most people look beyond themselves for insight on what steps they should follow to take their business or career to the next level.

They attend conferences, consult with colleagues, watch webinars, sign up for new training, and read books written by experts.

All these are great things to do – but if you only turn to outside experts for answers on what to do next, you could be overlooking a very powerful source of wisdom: YOUR OWN INTUITION.

Successful people trust their own intuition

All of the most successful people I know inquire within and trust their own intuition first and foremost when it comes to finding answers or making any important business or career decisions.

They understand that all the ideas you need to complete any task, solve any problem, or achieve any goal are available inside you.

For example, when Conrad Hilton, founder of the Hilton Hotels Corporation, wanted to buy the Stevens Corporation at auction, he submitted a sealed bid for $165,000. When he awakened the next morning with the number 180,000 in his head, he swiftly changed his bid to $180,000 and successfully secured the company.

The next highest bid was $179,800 – which means Hilton bid just enough to barely edge out a competitor. And that acquisition generated an easy $2 million in profit for him!

Or consider how Mark Victor Hansen and I came up with the title for our best-selling Chicken Soup for the Soul series...

We had almost finished writing the first book but still didn’t have a title for it. Because we both meditate, we decided to “inquire within.” Every day for a week, we asked our internal guidance for a bestselling title.

On the third morning, I suddenly saw a hand write the words “chicken soup” on a blackboard in my mind. My immediate reaction was, What does chicken soup have to do with our book?

I heard a voice in my head respond, Chicken soup is what your grandmother gave you when you were sick as a child.

But this book isn’t about sick people, I thought.

People’s spirits are sick, my inner voice replied. Millions of people are depressed and living in fear and resignation that things will never get better. This book will inspire them and uplift their spirits.

During the remaining minutes of that meditation, the title evolved from Chicken Soup for the Spirit to Chicken Soup for the Soul: 101 Stories to Open the Heart and Rekindle the Spirit. When I first heard Chicken Soup for the Soul, I got goose bumps. I have since learned that giving me goose bumps is one of the ways my intuition tells me I am on track.

And over the last 20 years, Chicken Soup for the Soul® has become a brand responsible for more than $2 billion in sales of books and many licensed products including pet food and greeting cards.

So, how can you tap into your own intuition to unleash your creative genius, make better decisions, solve problems faster, create winning business strategies, and make more money?

Here are my suggestions:

1. Meditate regularly
In order to be able to listen to your intuition, first you need to be able to “hear” it. This is where regular meditation comes in. It will help you clear out mental distractions and teach you to recognize subtle impulses within. This is especially important when you’re about to make a big business decision.

I recommend meditating every morning as soon as you wake up. It doesn’t have to be for long – even ten or 15 minutes each day will have a significant impact on your life.

As you meditate and become more spiritually attuned, you can better discern and recognize the sound of your higher self or the voice of God (or the universe, or however you want to describe the power that flows through all things) speaking to you through words, images, and sensations.

When I meditate, I’m able to see connections that were previously not clear to me. I’m able to understand my motivations, fears, and desires at a deeper level.

If I’m dealing with a challenge in my life, solutions come pouring into my mind – clear thoughts and images of the steps I need to take, the people I need to talk to, and what I need to do to transcend the obstacles in my way. It’s a truly magical experience.

2. Get clear on the questions you want answered
If you’re looking for answers, first you need to get clear on what it is you’re asking.

I recommend that you take the time to figure out exactly what truth you’re trying to uncover, or decision you need to make regarding your business or career – and write it down on paper in the form of a question.

Then, before you go to bed at night, speak that question aloud at least three times, to embed it into your subconscious. Then put it out of your mind and go to sleep.

When you wake up to perform your meditation the next morning, you may find that your subconscious mind has been busy while you sleep, and ready to provide you with the answers you’ve been looking for.

3. Cultivate mindfulness so you can receive messages in whatever form they arrive
Your intuition can communicate with you in many ways. It may come to you in a vision or appear as an image while you are meditating or dreaming. It may speak to you as a hunch, a thought, or a voice actually telling you yes, no, go for it, or not yet.

In order to hear it when it speaks to you, practice mindfulness whenever possible. Mindfulness is the act of bringing your complete attention to the present experience on a moment-to-moment basis in an open, accepting, nonjudgmental way. By remaining mindful in the present moment, you open your awareness of what you’re thinking, feeling, and experiencing, so that you can recognize your intuition when it communicates with you.

4. Listen to your body
Your intuition may speak to you through your physical senses.

A negative message or warning may come to you in the form as a chill, the creeps, a sense of restlessness, discomfort in your got, constriction in your chest, tightness or pain in your head, even a sour taste in your mouth.

A positive or “yes” message might come in the form of goose bumps, a dizzy feeling, warmth, a sense of opening or expansiveness in the chest, a sense of relaxation or relief, or a letting go of tension.

5. Listen to your emotions
Maybe your intuition will speak to you through your emotions.

If it’s trying to caution you or warn you against taking a particular course of action, you may feel a wave of uneasiness, concern, or confusion when you think about taking that action.

If, on the other hand, when you think about taking that action you feel a rush of joy, excitement or euphoria or profound inner peace, that could be your intuition telling you you’re on the right track.

6. Write down your answers
Whenever you access your intuition, make sure to immediately write down any impressions you receive. Intuitive impressions are often subtle and therefore “evaporate” very quickly, so make sure to capture them in writing as soon as possible.

Recent research in neuroscience indicates that an intuitive insight – or any new idea – not captured within 37 seconds is likely never to be recalled. And in 7 minutes, it’s gone forever.

So make sure you always have your smartphone or memo pad with you so you can record any intuitive insights or ideas that emerge.

7. Take immediate action
You know the saying, “the universe rewards action?” It’s true!

When you act on the information you receive, you’ll find that you get more and more intuitive impulses. After a while you will be living in the flow, and it will all seem easy and effortless as the wisdom comes to you and you simply act on it. You will learn to trust yourself more, and receiving insight from your intuition and acting on it will become automatic.

Experts agree that your intuition works better when you trust it. The more you demonstrate faith in your intuition, the more you will see the results of it in your life. So I strongly encourage you to listen to your intuition, trust it, and follow it.

Trusting your intuition is simply another form of trusting yourself, and the more you trust yourself, the more success you will have.

What is your intuition telling you to do?

Jack Canfield, America's #1 Success Coach, is founder of the billion-dollar book brand Chicken Soup for the Soul©Inspirational Books)© and a leading authority on Peak Performance and Life Success. If you're ready to jump-start your life, make more money, and have more fun and joy in all that you do, get FREE success tips from Jack Canfield now at: www.FreeSuccessStrategies.com/.

Sunday, November 1, 2015

When Compound Interest Can Really Hurt You

“Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.” ~ Albert Einstein

Nothing can be more true than this quote from Albert Einstein. I'm sure when most people think about compound interest, they think about how it can work in their favor, for instance, in a savings or investment account. However, most people don't realize the incredible power of compound interest and how much it can also work against them, especially with their DEBT.

And the banks and credit card companies sure aren't making things any easier. As a matter of fact, the average APR on retail credit cards continues to rise and now sits at 23.43% (up from 23.23% in 2014), according to a new report from CreditCards.com.

For instance, if you start with a $500 balance on your credit card at 19.8% interest, then each year make two additional charges of $75 each, and pay only the minimum monthly payment of 3.5% of the balance or $20, whichever is greater, after 25 years the interest charges amount to $3,121. And after 25 years, you will still have a balance of $624!

This reminds me of a cartoon by Randy Glasbergen where a boy asks his father, "What's a credit card?" and the father answers, "A credit card is what you use when something costs too much, and you want to pay more for it." Funny, but true!

So, the first step to reversing this trend and having compound interest work for you is to not only pay down your debt, but to completely eliminate it. A smart strategy for taking control back and eliminating debt sooner is to pay a fixed amount every month as opposed to just paying the minimum. For more details on this strategy you can compare “Revolving” vs. “Fixed” Credit Card Payment Plans.

Then once you have your debt under control you can really take advantage of the power of compound interest. But, to make sure your hard-earned money is working harder for you than for someone else you will also want to read You Work Hard For Your Money and Your Money Should Be Working Hard … FOR YOU!

I'm so excited to share this information with you. If you have enjoyed the information or feel that it would benefit someone else, please share it. If you have any comments, please post them below, otherwise, feel free to contact me.

Sunday, October 25, 2015

Whatever the Project Is, Start Today
Written by Jim Rohn

Prove to yourself that the waiting is over and the hoping is past—that faith and action have now taken charge.

Knowledge fueled by emotion equals action. Action is the ingredient that ensures results. Only action can cause reaction—and only positive action can cause positive reaction.

All of that said, there are still so many people who are really sold on affirmations. There is a famous saying that "faith without action serves no useful purpose”—and how true that is! Now, there is nothing bad about affirmations when they are used as a tool to create action. Repeated to reinforce a disciplined plan, affirmations can help create wonderful results.

But there is also a very thin line between faith and folly. You see, affirmations without action can be the beginnings of self-delusion. And for your well-being, there is little worse than self-delusion.

The man who dreams of wealth and yet walks daily toward certain financial disaster and the woman who wishes for happiness and yet thinks thoughts and commits acts that lead her toward certain despair are both victims of the false hope—which affirmations without action can manufacture. Why? Because words soothe and, like a narcotic, they lull us into a state of complacency. Remember this: To make progress, you must actually get started!

The key is to take a step today. Whatever the project is, start today. Start clearing out a drawer of your desk… today. Start setting your first goal… today. Start listening to something motivational… today. Start putting money in your new "investment for fortune" account…today. Write a long-overdue letter… today. Anyone can! Even an uninspired person can start reading inspiring books.

Get some momentum going on your new commitment for the good life. See how many activities you can pile on your new commitment to the better life. Go all out! Break away from the downward pull of gravity. Start your thrusters going. Prove to yourself that the waiting is over and the hoping is past—that faith and action have now taken charge.

It's a new day, a new beginning for your new life. With discipline you will be amazed at how much progress you'll be able to make. What have you got to lose except the guilt and fear of the past?

Now, I offer you this challenge: See how many things you can start and continue in this—the first day of your new beginning.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2015. As a world-renowned author and success expert, Jim Rohn touched millions of lives during his 46-year career as a motivational speaker and messenger of positive life change. For more information on Jim and his popular personal achievement resources or to subscribe to the weekly Jim Rohn Newsletter, visit www.JimRohn.com.

Sunday, October 18, 2015

Creating “Miracles” with the Rule of Five
Written by Jack Canfield

Applying focused attention to seemingly “impossible” goals or dreams can lead to what some people call “miracles.” It certainly seemed to for Andrea Fisher after a terrible automobile accident left her comatose and without the use of her arms and legs.

When Andrea woke from the coma three months later, her husband immediately asked for a divorce. Andrea had been a happy and successful television producer, and now her life was turned upside down. Every neurologist consulted said she was quadriplegic and never going to get any better.

As soon as she understood the reality of her situation, Andrea set a monumental goal—to walk out of the hospital on her own some day.

Within a year Andrea was off the respirator. Within three years she stood up next to her bed. And within seven years she did in fact walk out of that hospital on her own.

How?

Every day Andrea focused on her goal and took specific action steps toward achieving it. She delved into the paperwork and preparations required to allow her a diet of holistic foods in the hospital.

She got regular massages and chiropractic adjustments. Even though she could not feel anything from the neck down, she knew they would be good for her body.

Each day Andrea spent time in prayer and meditation. She expressed gratitude for each breath she took, every beat of her heart, the good things in her life, and the possibilities for her future.

She went to work releasing her feelings of depression, anger, fear, frustration, and other self-defeating emotions that would arise. She also visualized daily, imagining herself working out, lifting weights, walking, riding bike, and all of the other physical activities she loved to do.

When she stood for the first time, Andrea surprised every medical doctor and neurologist. Later in her life she spoke at neurological conferences, and specialists around the world studied her case. They concluded that her walking again was a miracle, because there was nothing that could account for it.

But to Andrea it was no more a miracle than the fact that she could breathe or her heart could beat. She insisted she could explain every single detail of what she did to accomplish her breakthrough.

Imagine what you could do if you applied the same kind of focused attention to your personal goals. Maybe your goal won’t take seven years to accomplish as Andrea’s did; it might take seven months—or just seven weeks.

In my book The Success Principles, I refer to this daily focus as the Rule of Five. In it, I suggest making a list each day of five action steps that will move you closer to your goal. Then check them off as you complete each one.

Be very specific in your actions. If your breakthrough goal is to achieve your ideal weight, one day might look like this:

My five action steps today:
  1. Do morning stretches for 10 minutes.
  2. Walk for 30 minutes.
  3. Prepare a healthy lunch with plenty of green vegetables.
  4. Go grocery shopping right after lunch so that I don’t shop when I am hungry.
  5. Spend 15 minutes visualizing how I will look and feel when I achieve my goal or reading my affirmations.
The cumulative effect of these daily steps can be profound. Small action steps are manageable, and achieving them daily keeps you motivated and your momentum strong.

Whether your goal is to drop 20 pounds, run a marathon, start a business, or write a book, apply the Rule of Five each day and see what “miracles” you create in your life.

Jack Canfield, America's #1 Success Coach, is founder of the billion-dollar book brand Chicken Soup for the Soul©Inspirational Books)© and a leading authority on Peak Performance and Life Success. If you're ready to jump-start your life, make more money, and have more fun and joy in all that you do, get FREE success tips from Jack Canfield now at: www.FreeSuccessStrategies.com/.

Sunday, October 11, 2015

Three Reasons Why You Need Life Insurance Outside of Your Job

A staggering number of Americans do not have life insurance – over 95 million to be exact! The three most common reasons why so many people remain uninsured are first, they don’t think it’s affordable. Second, they don’t think it’s important and third, they never got around to it.


If this describes you, you may want to think about it, have you ever known someone close to you pass away without life insurance? If so, how did that affect the family? I’m sure it was rough. Think about if you died would you want to leave a financial burden on your family as well as an emotional loss? I hope not. Lately, I’ve been seeing a lot of GoFundMe requests on Facebook when loved-ones unexpectedly pass away. So, while the family mourns they have to become fundraisers on the side as well. GoFundMe is not a life insurance policy!

Another serious issue is that of the people who do have life insurance, many only have life insurance through their job. I’m definitely not knocking benefits you may have at work, however there are three reasons you should have at least some life insurance outside of your job:

1. The first reason is a lot of times at a job, when you leave the job your benefits don't leave with you. Most times you lose the benefits, when you leave the job.

Also, at a job, benefits could be taken away at any time – they are not guaranteed. And who knows, you may not even be insurable if you were to try to get your own insurance later on.

2. The second reason you should have life insurance outside of the job is at the job they may give you one to two times your income. But, even if you don’t have children, you probably are going to need more coverage than that.

One easy way to judge approximately how much insurance you may need is to multiply your income by 10. So, if you make $50,000 a year, you may need $500,000 worth of life insurance. The reason for this is if you were to die, your beneficiaries could invest that $500,000 and if they just got a 10% rate of return, that would pump out $50,000 a year forever! Obviously, this would not replace you, but it would replace the income that they were relying on and they wouldn’t have to suffer financially as well as emotionally.

3. And the third reason? Well, this story sums it up. A friend of mine had an Aunt and she only had life insurance through her job. Then she found out she had Cancer. The thing is when you have Cancer most times you don't just die right away. Well, she put up a good fight but she finally succumbed to her dreaded disease. And when she was off the job for six months to receive treatment, she was no longer considered a full time employee. So, when she died, she lost all of her benefits.

Life insurance is not very sexy, but it is very important. If you have savings that are equal to or greater than the amount that you need to be fully insured than you are self-insured and you do not need life insurance – otherwise, you need life insurance!

If you do have life insurance, but only have it through work, then you need to at least have some form of portable life insurance that is outside of your work. In order to not leave your family’s financial future in the hands of your Boss you will need to take control of it yourself and it all starts with life insurance.

"Employer-provided life insurance is only good for as long as you stay with that employer. Get laid off or switch jobs and you are suddenly without life insurance. Even if your next employer offers the benefit, the coverage is unlikely to be all that you need to protect yourself. And what if at the point that you leave a job you aren’t in the greatest health? If you look to buy your own life insurance at that point, your premiums are going to be higher than if you had bought the insurance years ago when you were healthy.The bottom line is that if you need life insurance, you are far better off shopping for it on your own. You want a policy that lasts as long as you need it, not only as long as you keep your current job." ~ Suze Orman

I'm so excited to share this information with you. If you have enjoyed the information or feel that it would benefit someone else, please share it. If you have any comments, please post them below, otherwise, feel free to contact me.

Sunday, October 4, 2015

Are you overlooking these critical success clues?
Written by Jack Canfield

If you teach in some capacity – either as a speaker, coach, consultant, or actual teacher – you’re probably gearing up to do some powerful work with your students or clients this fall.

To ensure you do the best possible job of helping your students and clients reach their full potential and achieve great results, I encourage you to set the following intention for yourself:

I WILL RECOGNIZE AND RESPOND TO ALL YELLOW ALERTS.

The clues to success are hidden in plain sight
When I say, “yellow alerts,” what I’m talking about are the advance warnings you get in the form of telltale signs, gut instinct, intuition, comments from others that alert you to impending danger and give you time to prevent the unwanted outcome.

You know when you suddenly get a “bad feeling” about something, or you become aware that people are acting differently around you, or you develop a niggling awareness that there’s something you’re ignoring or overlooking?

THOSE are yellow alerts.

For example:
  • Your students don’t pay attention when you speak
  • Your audience looks bored and disengaged
  • Nobody raises their hand to answer your questions
  • People don’t respond to your emails or participate in your online group
  • Students who typically do great work are no longer completing their assignments
  • Organizations who hired you to speak don’t ask you to return
  • People stop grumbling and whispering to each other as soon as you walk in the room
  • People aren’t looking you in the eye
  • You’re sensing a weird undertone in the way people talk to you
  • You no longer feel like you’re “killing it” onstage or in front of the class

The faster you’re able to recognize and respond to yellow alerts such as these, the easier you’ll find it to avoid obstacles, overcome challenges, and reach a higher level of success – both for yourself and your students or clients.

Avoiding the problem doesn’t make it go away
Unfortunately, many people choose to ignore yellow alerts because they don’t want to feel any soft of discomfort. Acknowledging and responding to yellow alerts usually involves doing things you would rather not do – such as have an awkward conversation with someone or admit something isn’t working.

And so you pretend not to see the yellow alerts – because it’s easier, more convenient, less uncomfortable, and protects you from having to take risks.

Successful people, on the other hand, face problems head on. They’re willing to get uncomfortable, because they know that yellow alerts often develop into problems that fester and grow into huge roadblocks that prevent you from moving forward.

The faster you respond, the easier life becomes
Once you develop the habit of responding quickly and decisively to yellow alerts as they happen, life becomes easier.

You’re able to eliminate problems before they occur and achieve greater levels of success must faster.

However, learning how to recognize and respond to yellow alerts isn’t always easy. It requires concentrated awareness, dedicated discipline, and a willingness to experiment and take risks.

You have to be prepared to look at your own shortcomings and be willing to hear uncomfortable truths. It’s only when you face what isn’t working that you’re able to explore better options and come up with a better way of getting the results you want.

Here are 6 tips to help you do a better job of recognizing yellow alerts so you can respond to them right away and achieve better results, faster – both for yourself and your students or clients:

1. Clear your mind and focus on being present in the moment

When you’re working onstage, in front of a classroom, or one-on-one with clients or students, you’ll be much more effective if you’re able to clear your mind of everything else that’s happening in your life and focus on being present in the moment.

This will make it so much easier for you to remain tapped into your intuition and be able to identify yellow alerts right away.

If you find it hard to remain completely present in the moment, I recommend you take up meditation or a meditative practice such as yoga, tai chi, qi gong, or another form of martial art. These practices are great for helping you sharpen your focus and concentrate on what’s happening in the here and now.

2. Get comfortable with being uncomfortable

The only way you can grow – as a person, teacher, parent, businessperson or whatever – is to move beyond your comfort zone into a place where you are very likely to feel awkward, uncomfortable, and vulnerable.

But that’s where the magic happens. It’s where you acquire the understanding and experience you need to start performing at a much higher level.

So instead of worrying about the potential discomfort of responding to yellow alerts, embrace the opportunity to evolve.

3. Learn how to listen to people

To become a transformational teacher, you’ve got to be able to really LISTEN to your students and clients.

Don’t just keep your ears open for the things you expect them to say. Clear your mind of preconceptions, give them your full attention, and listen for the things you AREN’T expecting – because this is the information that’s going to help you radically improve your game.

4. Learn how to read people

It’s not enough to listen to what they’re saying – you also have to be able to read your students and audience and understand what it is they’re NOT saying.

If you learn how to read their physical cues – restlessness, listlessness, flashes of anger or irritation in their expressions, a reluctance to meet you in the eye – you’ll be able to recognize when there’s something they want you to know, even when they’re reluctant to express themselves or aren’t even consciously aware of what they want or need from you.

5. Ask them straight out

The best way to understand how well you’re performing – and what you can do to operate at an even higher level – is to straight-out ask for feedback from your students, clients, audiences, and colleagues.

Be prepared to ask questions such as:
  • “Is what I’m doing working?
  • Could I be doing it better?
  • Is there something more I should be doing that I am not?
  • Is there something I am doing that I should stop doing?
  • How do you see me limiting myself?”

Don’t be afraid to ask – because the information you will receive will be invaluable. You are better off knowing the truth than not knowing it – because once you know, you can DO something about it. You cannot improve your life, your relationships, your game, or your performance without meaningful feedback from the people around you.

“You’re doing great!” might be nice to hear but it doesn’t tell you anything that will help you become a better teacher, speaker, trainer, or person.

6. Process the information and ACT on it

When you respond to a yellow alert and probe deeper to uncover valuable information about your performance – and what you can do to improve it – be sure to process that information and ACT on it!

If you find out that your audience or students aren’t captivated by your teaching style, do some research to find some resources that will help you become a more compelling, engaging teacher – and then put their advice into action.

If you find that your clients aren’t completing the assignments you give them because they’re unclear on the instructions or don’t see the value of them, reassess those assignments and how you’re presenting them to your clients. Maybe you need to make the instructions clearer, or do a better job of pointing out the benefits your clients will experience once they finish the assignment. Or maybe you should consider replacing that assignment with one that’s more effective.

If you find that organizations that have hired you to speak in the past aren’t asking you back, send them a letter asking for honest feedback on what you could have done better in your last speaking engagement – then use their feedback to improve your presentation content and style before you book your next gig.

It’s only when you act on this valuable information that you’re able to create meaningful change.

Simple isn’t always easy
Recognizing and responding to yellow alerts is relatively simple in principle – but that doesn’t mean it’s easy to implement. You have to pay attention to what you’re doing and the results you’re producing – and willing to adapt on the fly.

Pay attention... your results don’t lie
The easiest, fastest, and best way to find out what is or isn’t working is to pay attention to the results you are currently producing. Your audiences and students either love you or they don’t. They’re either experiencing major breakthroughs or they aren’t. You either command respect or you don’t. Organizations are either hiring you to speak for them or they aren’t.

It’s that simple. Results don’t lie!

So if you want to do the best possible job of helping your students and clients this fall, set the intention of recognizing and responding to yellow alerts. It’s the only way to ensure that you keep improving as a teacher – and are able to help your students and clients reach their full potential and achieve incredible results.

Jack Canfield, America's #1 Success Coach, is founder of the billion-dollar book brand Chicken Soup for the Soul©Inspirational Books)© and a leading authority on Peak Performance and Life Success. If you're ready to jump-start your life, make more money, and have more fun and joy in all that you do, get FREE success tips from Jack Canfield now at: www.FreeSuccessStrategies.com/.

Sunday, September 27, 2015

Why not 12%? Why not YOU? Why not NOW?

I recently had some interesting information revealed to me that I just had to share it with you!

(Drum roll please.) Well here it goes: If you take the amount you are investing on a monthly basis, assuming a 12% rate of return (not 11% and not 13%), your result in 20 years (not 19 years and not 21 years) would approximately be the monthly amount you were investing plus three zeroes added to the end. So, that means, for example, if you were to invest $1,000 per month working at 12%, in 20 years you would have $1 million! Isn't that awesome? I think it is because I strongly believe that everyone should at least have a 20 year game plan for becoming a millionaire. If you don't have one yet, then you can take this one.

But, you are probably wondering, how can I get 12%? 12% is impossible! On the contrary, I believe 12% is very possible over the long term. However, don't take my word for it, take financial guru, Dave Ramsey's word for it! I love how he puts it in his book The Total Money Makeover: A Proven Plan for Financial Fitness:

"There are several people in our country today who are ignorant on the returns offered by investing well. Ignorance is not lack of intelligence; it is simply 'not knowing.' Sadly, many intelligent but ignorant people seem to think that making a 12 percent rate of return on their money in a long-term investment is impossible."

"I recommend good growth-stock mutual funds in this book as a long-term investment and dare to state that you should make 12 percent on your money over time. The supporting data for that bold statement can be found by looking at the historical averages of the Standard & Poor's 500 index. Widely regarded as the best single gauge of the US equities market, the S&P 500 is an index with five hundred of the largest companies in leading industries of the US economy. The S&P 500 has averaged 11.69 percent per year for the last eighty-plus years, as of this writing [2013]. This includes some pretty significant recession periods."

"Does that mean you can expect to see 12 percent growth every year? Of course not. That's not how this thing works. The market goes up and down all of the time, and sometimes it's a pretty wild ride. Just looking back over the past few years as of this writing [2013], it looks like a roller coaster. In 2009, the market's annual return was 26.46 percent. In 2010, it was 8 percent. In 2011, it was actually down for the year at -1.12 percent. But true long-term investors don't worry too much about the year-to-year returns. They look at the history over the long haul, knowing that some years it'll be up, and some years it'll be down."

"Most experts and anyone who has had even one finance class agree that the S&P 500 is a great statistical measure of stock market returns. This is such a standard, or bellwether, that virtually every stock fund will show you its returns in comparison to the S&P 500. And again, the life-time average of the S&P 500 is just under 12 percent."

"Any decent broker with the heart of a teacher can, in his or her sleep, lead you to funds with long track records averaging over 12 percent. So don't let anyone tell you that you can't predict a 12 percent rate when you are considering investments for ten years or longer."


So, with that in mind, here are some questions that you may want to ponder: Why not 12%? Why not YOU? And if you haven't already started on your 20-year game plan, Why not NOW?

I'm so excited to share this information with you. If you have enjoyed the information or feel that it would benefit someone else, please share it. If you have any comments, please post them below, otherwise, feel free to contact me.

Sunday, September 20, 2015

How Your Words Impact Your Success
Written by Jim Rohn

If you have a limited vocabulary, you will also have a limited vision and a limited future.

Sometimes the subtle difference in our attitude, which can make a major difference in our future, can be as simple as the language we use. It’s the difference in even how you talk to yourself or others. It’s consciously making a decision to quit saying what you don't want and to start saying what you do want. It’s faith—believing in the best, hoping for the best and moving toward the best.

Instead of saying, "What if somebody doesn't respond?" start saying, "What if they do respond?"
Instead of saying, "What if someone says no?" say, "What if they say yes?"
Instead of saying, "What if they start and quit?" say, "What if they start and stay?"
Instead of saying, "What if it doesn't work out?" say, "What if it does work out?"

When you start thinking and saying what you really want, then your mind automatically shifts and pulls you in that direction. And sometimes it can be that simple—just a little twist in vocabulary that illustrates your attitude and philosophy.

Our language can also affect how others perform and behave around us. A teenager says to a parent, "I need $10." The parents say, "No comprende. That’s not how you get $10. That kind of language doesn't work here. But ‘How can I earn $10?’ might.”

There is plenty of money here. There is money for everybody—but you have to learn the magic words to get it. To get everything you could possibly want, you just have to learn the philosophy. How could you earn $10?

You can't go to the soil and say, "Give me a harvest." You know the soil smiles and says, "Who is this clown that brings me his need and brings me no seed?" And if you say to the soil, "I've got this seed and if I planted it, would you work while I sleep?" And the soil says, "No problem. Give me the seed. Go to sleep and I'll be working while you're sleeping." These simple principles are sometimes just a matter of language.

It is easy to stumble through almost a lifetime and not learn some of these simplicities. Then you have to put up with all the lack and all the challenges that don't work out simply from not reading the book, not listening to the lesson, not studying your language—not being willing to search so you can then find.

But here is the great news. You can start this process anytime. For me it was at age 25. At 25 I was broke. Six years later, I was a millionaire.

You might ask, "What kind of revolution, what kind of change, what kind of thinking, what kind of magic had to happen? Was it you?"

No.

Any person, any six years you go on an intensive, accelerated personal development curve, learning curve, application curve, you can learn the disciplines. Now, it might not take the same amount of time, but the same changes and the same rewards are available for those who pay that “six-year" price. And you might find that whether it's in the beginning to help get you started or in the middle to keep you on track, your language can have a great impact on your attitude, actions and results.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2015. As a world-renowned author and success expert, Jim Rohn touched millions of lives during his 46-year career as a motivational speaker and messenger of positive life change. For more information on Jim and his popular personal achievement resources or to subscribe to the weekly Jim Rohn Newsletter, visit www.JimRohn.com.

Sunday, September 13, 2015

You Work Hard For Your Money and Your Money Should Be Working Hard … FOR YOU!

Many people, just like me, were taught all our lives that when you get any extra money that you are supposed to save that extra money at the Bank or Credit Union. Now, don’t get me wrong, those people who taught us this probably had good
intentions. But, think about it, when you save your money at the Bank or Credit Union, do they just leave that money alone and just wait for you to come back for it? No, of course not. They may lend some of that money out and charge interest, and they may invest some of it in the global economy and earn interest. So basically, they make your money grow over time and traditionally pay you a small rate of return for your troubles.

What the Banks don’t want you to know
Have you ever heard of the Rule of 72? Well, you’re normal if you haven’t; because it is also known as the Banker’s Rule and they don’t really have much of an incentive to teach it to us. So, let’s say you worked really hard at your job and you got a $10,000 bonus. The way the Rule of 72 works is if you know the interest rate you are getting and you divide that into the magical number 72, that will approximate the number of years it will take for your money to double.

Based what we've been most likely taught all of our lives; you might just want to save that money at the Bank. And, let’s say that the Banks are giving a 3% rate of return (72 ÷ 3 = 24). That means it will take 24 years for your money to double. How many 24 year doubling periods do you think most people have? Not many. So, in 24 years the money would double to $20,000 and in 24 more years it would double again to $40,000. But of course, right now you'd be luck to get around 1% (72 ÷ 1 = 72) at the Bank, which means at that rate it would take us approximately 72 years to double our money! So, do you really think it is possible for anyone to retire if we are continually taught to save our money in "safe" vehicles that have traditionally given us very low rates of return on our money?

What if we were to get the same rates as the Bank?
I’m sure it is not that hard to imagine that the Banks can get at least 12%, I mean Bank credit card averages around 17% interest. So, let’s image that we can get the same rate as the Bank, or at least 12% (72 ÷12 = 6). So, if our $10,000 were doubling every 6 years over 48 years - that would grow to over $2.5 million!

So, when you think about it, when you put that $10,000 in an account at the Bank, the Bank takes and invests your money - and if they only get a 12% rate of return on your money over 48 years they would get $2.5 million and you would get $40,000. Is that really fair? So, in this case who really worked hard for that $10,000 bonus? You did! But who did that money really work hard for? The Bank!

Remember, money is almost always working hard … for somebody. I just believe that since you are the one that worked very hard for that money, that somebody should be you … not somebody else.

I'm so excited to share this information with you. If you have enjoyed the information or feel that it would benefit someone else, please share it. If you have any comments, please post them below, otherwise, feel free to contact me.

Sunday, September 6, 2015

There’s No Telling What You Can Do When You Get Inspired

The ultimate reason for setting goals is to entice you to become the person it takes to achieve them.

What goals did you set at the start of this year? Have you accomplished them? Personal development legend Jim Rohn says the most valuable lessons lie not in the destination, but the journey.

“The real value in setting goals is not in their achievement. The acquisition of the things you want is strictly secondary. The major reason for setting goals is to compel you to become the person it takes to achieve them,” Rohn says.

Say you want to be a millionaire. The greatest value to becoming one is actually not the million dollars (seriously!). “The greatest value is in the skills, knowledge, discipline and leadership qualities you’ll develop in reaching that elevated status,” Rohn says.

Answer this question: What kind of person will you have to become to get all you want? Write down the kinds of skills you’ll need to develop and the knowledge you’ll need to gain. Your answers might give you some new goals for your personal development. Work on your goals. Your ability will grow to match your dreams. “This is the magic of goal setting. The more you work on your goals, the more new opportunities will present themselves to you,” Rohn says.

You can make big things happen in your life. “You can make startling changes you can’t even conceive of right now, if you just give yourself half a chance.”

Goals. There's no telling what you can do when you get inspired by them. There's no telling what you can do when you believe in them. And there's no telling what will happen when you act upon them.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2015. As a world-renowned author and success expert, Jim Rohn touched millions of lives during his 46-year career as a motivational speaker and messenger of positive life change. For more information on Jim and his popular personal achievement resources or to subscribe to the weekly Jim Rohn Newsletter, visit www.JimRohn.com.

Sunday, August 30, 2015

The High Cost of Eating in Retirement

I think it is pretty obvious to most people the need for having a pretty nice-sized pile of money saved up (and hopefully still growing) if they are ever going to be able to stop working and retire some day. But a lot of people don't even have the slightest clue as to how big that pile of money will have
to be to support their lifestyle in retirement - much less how they are going to accumulate all that money by the time they want to retire. If this describes you in any way then you may want to check out one of my previous posts for an easy way to calculate your financial independence number.

So, just to make things clear, everyone in retirement has a lifestyle, it is just that some of those people do not have a lifestyle that they enjoy. And I'm sure you would probably agree that a retirement lifestyle where you didn't take into account the expense of eating will not be all that enjoyable. So, let's say that you have 20 years until retirement. How much is it going to cost you to eat in retirement?

Remember people are living longer and longer these days and we don't want to outlive our money, so let's at least plan for living 25 years in retirement. Twenty-five years, that means that you will be in retirement for 9,125 days. And, of course we want to plan to have at least 3 meals a day in retirement. Well, if that is the case, then that is going to be 27,375 meals that you will be eating over that 25 year period.

Now, let's say that in today's money each meal is going to cost around $5.00. But, of course, we are not retiring today, so we need to know what the meals are going to cost 20 years from now. That means we need to take into account the dreaded "i-word" - inflation. If we take into account 3.5% inflation, in twenty years you are going to actually need to have $10.00 in order to have the same buying power that $5.00 has today.

After taking all of that into consideration, you are going to need at least $273,750 in retirement just for food - and that is worst-case-scenario - if you plan to only eat $5.00 value meals! So when you are putting together your retirement plan, don't forget to plan for food too.

I'm so excited to share this information with you. If you have enjoyed the information or feel that it would benefit someone else, please share it. If you have any comments, please post them below, otherwise, feel free to contact me.

Sunday, August 23, 2015

The 6 Emotional Enemies Inside Your Mind
Written by Jim Rohn

Don’t become a victim of yourself. Forget about the thief waiting in the alley—what about the thief in your mind?

What can destroy our ambitions, our fortunes, our relationships—our lives? The enemies lurking inside us, the ones we face from within, the ones we’ve got to destroy before they destroy us. There are five we must conquer:

1. Fear
We are not born with courage, but neither are we born with fear. Maybe some of our fears are brought on by our own experiences, by what someone has told us, by what we’ve read and heard about. Some fears are valid, like walking alone in a bad part of town at 2 o’clock in the morning. But once we learn to avoid that situation, we won’t need to live in fear of it.

2. Indifference
What a tragic disease indifference is. Some will say, “Ho-hum, let it slide. I’ll just drift along.” But here’s one problem with drifting: We can’t drift our way to the top of the mountain.

3. Indecision
Indecision is the thief of opportunity and enterprise. It will steal our chances for a better future. We have to take a sword to this enemy.

4. Doubt
Sure, there’s room for healthy skepticism. We can’t believe everything. But we also can’t let doubt take over. Many of us doubt the past, doubt the future, doubt each other, doubt the government, doubt the possibilities and doubt the opportunities. Worst of all, we doubt ourselves. Doubt will destroy our lives and our chances of success. It will empty both our bank accounts and our hearts. Doubt is an enemy. Go after it. Get rid of it.

5. Worry
We’ve all got to worry some—but we can’t let it conquer us. Instead, let it alarm us. Worry can be useful. If we step off the curb in New York City and a taxi is coming, we’ve got to worry. But we can’t let worry loose like a mad dog that drives us into a small corner. Here’s what we’ve got to do with our worries: Drive them into a small corner. Whatever is out to get us, we’ve got to get it. Whatever is pushing on us, we’ve got to push back.

6. Timidity
Over-caution is the timid approach to life. Timidity is not a virtue (unlike humility); in fact, it can be an illness. If we let it go, it’ll conquer us. If we’re timid, we won’t get promoted, we won’t advance and grow and become powerful. We’ve got to avoid over-caution.

So, we must battle with the enemy, battle with fears, build our courage to fight what’s holding us back, what’s keeping us from our goals and dreams. We have to be courageous in our lives and in our pursuit of the things we want and the people we want to become.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2015. As a world-renowned author and success expert, Jim Rohn touched millions of lives during his 46-year career as a motivational speaker and messenger of positive life change. For more information on Jim and his popular personal achievement resources or to subscribe to the weekly Jim Rohn Newsletter, visit www.JimRohn.com.