Saturday, May 20, 2017

More Proof that Cash Value Life Insurance Never Makes Any Sense

The word is out that it is much better to buy the lower cost Term life insurance and invest the difference. However, even among Term-believers, there are still many who believe that in certain situations, Cash Value might actually make sense.

A common misconception is that Cash Value life insurance makes great sense at least for estate planning for higher net worth individuals. Well, when people talk about estate planning, they are really just talking about tax planning or sheltering their money from taxes. For example, if you have a net worth of $10 million, when you and your spouse dies, and you have children and heirs who you are leaving the money to, you may have to pay around 50% in estate taxes to the government – or $5 million. So, for estate taxes, you would have to buy a $5 million life insurance policy that would pay the taxes and leave your family with the full $10 million. That is the reason for buying insurance for estate taxes.

Let’s say, just like in the example above, that you are worth $10 million and you are expecting to have to pay $5 million in estate taxes. What you could do instead of getting a Cash Value life insurance policy is get a $2.5 million Term life insurance policy on the husband and one on the wife. Then you could set up a variable annuity. If the husband were to die first, his $2.5 million would go into the variable annuity. They don’t have to pay the $5 million estate tax until they both die. So, now you have the $2.5 million in the variable annuity, and let’s say it’s growing at around 8%. Around 10 years later, the wife dies. By using the Rule of 72, the variable annuity has doubled in 9 years working at 8%. So, you already have over $5 million in the variable annuity. Then when the wife dies, her $2.5 million goes into the variable annuity also. Now they have over $7.5 million in the variable annuity that can be used to pay the taxes and now the family can get the full $10 million. And the variable annuity is tax deferred or sheltered from taxes, just like a variable life insurance policy, so why would you get a variable life insurance policy?

The reason cash value agents don’t even suggest the Term solution is because they won’t make as much money. If you sell $2.5 million worth of life insurance, it is 4-5 times more expensive to buy Cash Value for the same amount. Let’s say it is $10,000/yr. for the Term, it may be $100,000/yr. for the Cash Value and the agent gets paid on the first year of premium. If he has a 100% contract, he either makes $10,000 or he makes $100,000 – Which one do you think he is going to sell?

So, even for high net worth people, Cash Value life insurance still doesn’t make any sense!

Cash Value never ever, ever, ever makes sense under any circumstances!

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, May 14, 2017

3 Ways to Face Your Fears With Courage
Written by Jim Rohn

Do you own your life or do your fears own you?

Here are a few techniques to help you build your courage and face your fears.

1. Put all remote possibilities out of your mind.
Don’t worry about things you have no control over. Don’t spend your time thinking about all of the bad things that might happen to you. Don’t spend your time plotting and planning ways to make sure these things will never happen.

Courageous people don’t worry about things that are out of their control or things that are unlikely to happen. They concentrate on what they can control.

2. Face your fears before you start something.
Imagine difficult situations before they occur. Make a list of the worst that could happen, and you’ll probably see that the situation is not so bad after all.

A friend of mine lost everything a few years back—her home, cars, possessions, antiques, art, jewelry and credit. She lost it all. Now, on her way back up, whenever she’s faced with a tough decision, she asks herself, What’s the worst that can happen? And guess what, she’s already been through the worst and she survived. It’s not an issue anymore.

You don’t have to lose everything to lose that particular fear. But once you face your fear, you can move on. Once you’ve figured out the worst that could possibly happen, you’ll see that you have the inner strength to deal with it if the worst scenario comes about. And here’s the best part: If you’ve looked at the possibilities beforehand, you’ll probably never be faced with the situation at all. Why? Because you’ve already been through it. By contemplating what might happen, you’ve charted your course to ensure that it doesn’t.

3. Imagine the alternative.
Picture the result of giving into your fears. Really feel the cost of being ruled by fear; then really feel the benefits of courageously following your ambition. Carefully weigh the two and see the difference.

If you’ve been invited to address your national sales convention and are scared to death of public speaking, what should you do? You could decline the invitation, knowing full well that your fears are holding you back. Or you could take some classes, read some books, practice with a friend. See yourself stepping into a whole new league. You’ll be accepting the opportunity to gain more notoriety in your field. And you’ll be increasing your opportunities for future success.

Once again, it’s your choice. Be fueled by your fears, or face your fears. It all depends on how badly you want something. It all depends on how you choose to live your life; do you always want to be afraid of taking the next step, or do you want to build your courage and open the doors of opportunity? I know what my answer would be.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2017. 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, May 4, 2017

To Rent or to Own … That is the Question

Ownership is the ability to own future value while no longer having to make corresponding payment or effort to get that value.

If I asked, “Should you buy or rent your furniture?” Most people would probably say, “Buy!” because most people get ownership when it comes to buying furniture.

If I asked, “Should you buy or rent your home?” Most people would probably say, “Buy!” because most people get ownership when it comes to where you live.

Ironically, not everybody gets ownership when it comes to their life, their time and owning their income.

When we have a job, we rent ourselves out in hourly increments. If you have a salary, well then you rent yourself out in bi-weekly increments – you have a longer contract. The problem is, if you don’t own your life and don’t own your time you’ll always have to keep spending time for the reward.

Most people ask, “What’s the hourly pay?” and ownership is not even on their radar. That type of thinking has been so engrained in us and passed down from generation to generation by elite members of the society who looked to control the average person. Because if you knew how to provide for yourself and fend for yourself then you could be very dangerous to people who actually owned the labor.

Renting requires continued cashflow or time flow to maintain possession. Renting provides no future value and no equity.

So, if you have a job, you’ve got to keep putting time flow in to get the same value. If the time stops, the value stops – you get no equity. When you leave your job, they won’t be saying, “Hey, you worked here 70,000 hours, you banked $10 an hour of equity – here’s $1 million.” That doesn’t happen. If you stop, it stops.

Working year after year for a corporation is just like renting. If you get fired or you decided to quit, what would you have to show for it? You helped to build their company; you gave your years, energy and intellect and all you would have to show for it would be your rent receipts ... your paycheck stubs.

It doesn’t matter how much money you make, if you don’t own it and if you don’t override it, you’re still renting. It will go away much faster than you ever thought possible because at some point you’re not going to be able to continue trading the time or the talent that you did before to get it and it will stop – and it will stop fast.

Having a job equals renting – you must continue to trade time for money, therefore you will always be short of one of the two.

The only two ways to make more money at a job is to either increase the dollar per hour or to increase the amount of hours.
  1. Going back to school is probably the most socially acceptable way people attempt to increase the dollar per hour. What many don’t consider is that by going to school you may be losing out on 3 or 4 years of all those extra dollars. Furthermore, now you’ve got to pay for the ability to get paid more money! How does that really make any sense? So, going back to school can be a slow-burn process and it can actually take 20 or 30 years for a return on that investment.
  2. Your other option to make more money at a job is to work more time, but keep in mind, there is only 24 possible hours in a day.
Ownership equals an end to the cost, but a continuation of the benefit.

When you own your house outright, you can stop paying the mortgage, but you can continue living in the property. You can take out equity, you can leave it to your children and you can put them ahead – much like if you were to own your income.

So now, if you got to choose between owning and not owning which would YOU choose?

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.

Saturday, April 29, 2017

The Importance of Networking & Masterminding
Written by Jack Canfield

While you may be able to create tremendous success on your own, traveling the path of success with networking groups makes the journey more enjoyable.

Plus, the added accountability will propel you to success faster and further than you originally envisioned. This is where the importance of networking and masterminding comes into play.

It’s Not Just What You Know, It’s Who You Know
Success is a team sport.

It’s not what you know, it’s also who you know.

In my career, success in any undertaking has come down to not just who I know—but also who I have on my team.

Along the way, I’ve learned many success principles that can help you build your own network of influencers, mentors, and experts. Developing a business network of people can help you succeed.

Nurture Your Network
One of the most important skills for success in today’s world, especially for entrepreneurs and business owners, is networking.

In my life, this has proven to be true.

The more time I have spent consciously building and nurturing my business network of advisers, colleagues, clients, students and fans, the more successful I have become.

Businesses and careers are built on relationships. Relationships form when people meet and interact with each other in an authentic and caring way.

Effective Networking is Dependent on Trust
Statistics confirm over and over that people prefer to do business with people they know, respect, and trust.

"Effective networking is all about developing relationships."

In creating your own personal network groups, your job is to seek out people who know things you don’t. These people can help you connect where you can’t.

Developing Relationships Takes Time
Initially, your goal shouldn’t be to make a sale. Instead, it should be to seek advice, connections, recommendations and insights. To the extent that you can provide something in return, do so.

Remember that developing genuine relationships takes time and consideration.

It requires careful thought and a mindfulness for others.

Three Steps to Building a Reliable Networking Group
Think of these three steps:
  1. Visibility
  2. Credibility
  3. Profitability
First show up, participate, and get seen,

Second, ask others how you can help them and then deliver on their requests if you can.

Then, when you have developed a relationship of trust and service, you can ask for referrals and assistance.

Two Heads Are Better Than One
Networking and building meaningful relationships with others brings success quickly.

This is where mastermind groups come in.

We all know that two heads are better than one when it comes to solving a problem or creating a result.

Imagine having a permanent group of five or six people who meet once every week or two to problem solve, brainstorm, network and motivate each other.

This is masterminding.

The Basic Philosophy of Masterminding
The basic philosophy of a mastermind group is that more is achieved in less time when people work together.

A mastermind group is made up of people who come together on a regular basis (weekly, biweekly, or monthly) to share ideas, thoughts, information, feedback, contacts, and resources.

Getting the perspective, knowledge, experience, and resources of the others in the group greatly expand your own view of the world. It can also advance your own goals and projects more quickly.

Find People Outside of Your Field
When you form your mastermind group using your networking skills, consider bringing in people from different professional arenas.

Find people who are “above” or “ahead” of you professionally or financially. These people can introduce you to a network of people and resources you normally wouldn’t have access to.

Though the benefits of masterminding with people outside your field may not seem obvious now, the truth is that we all tend to get stuck in our own field of expertise.

We see through the same narrow lens and do things the same way everyone else in our industry does.

Build Your Own Mastermind Group
When you assemble people from different industries, professions, or fields of study, you get lots of different perspectives on the same subject.I don’t know anybody who has become super successful without employing the principles of both networking and masterminding.

I don’t know anybody who has become super successful without employing the principles of both networking and masterminding.

This is because building meaningful relationships with others both inside and outside of your field of expertise forms valuable connections and expands your resources.

You never know when these connections will come in handy on your journey to success.

Take Action
Make a list of 5-6 people who you know that you could potentially build a mastermind group with, and ask them if they are interested.

One of the most powerful ways to learn anything is to teach it to others. That's why having a mastermind is so important.

Teaching forces you to clarify your ideas, confront inconsistencies in your own thinking, and more closely walk your talk. But most importantly, it requires you to read, study and speak the information over and over again. The resulting repetition reinforces your own learning.

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, April 23, 2017

How to Leverage Your Income with Overrides

A little-known fact in life is that one of two things is happening every time you get paid: you are either overriding people and getting wealthy or someone is overriding you and you are helping them get wealthy.

For instance, let’s say your employer is paying you $36,000 a year. What do you think he needs to be making off your efforts in order to afford to pay you $36,000 a year? The answer is, at least double, but probably around $100,000 would be more realistic. So, if he is making $100,000 on your efforts and he is paying you $36,000 then he is probably actually paying you more like $40-something thousand because of social security and all those other things that you are not aware of that he is paying. On top of that, with all of the benefits and taxes that he has to pay on your account, you are probably costing him around $50,000 per year.

So, if he makes $100,000, then the difference from what you cost him and what he makes is $50,000! That $50,000 is his override on you.

If you are an employee you are being overridden – everybody! Even if you are making $200,000 - you’ve got to be worth a lot more than $200, 000 for somebody to pay you $200,000! So, you are being overridden right now too.

Now, think about your employer, are you his only employee? How many employees are there at your work – about one hundred? So, let’s say he’s making $50,000 per employee in overrides. What’s he making? A lot of money, right? He is taking advantage of what is called leverage. That’s why being a business owner is better than being an employee, because now you can start leveraging your time and energy.

“I would rather earn 1% off a 100 people's efforts than 100% of my own efforts.” ~ John Paul Getty

Making 100% off 1 person’s effort is the most unstable form of income this planet has ever known, yet it is sold with a false sense of security. Most people think that they have security when they have a job. However, the problem is, you don’t own your job and it can be taken away from you at a moment’s notice. You have absolutely no control and 100% of your income is off your efforts. That is why it is a false security.

True security is having a thousand people who you are overriding.

Overrides are the most stable form of income. Overrides don’t get sick; they don’t get hurt; they don’t die; they don’t get laid off and they can work 24/7/365.

The bad news is that 95% of Americans are employees and are being overridden while only 5% of Americans are business owners who are doing the overriding. The good news is that America is the Land of Opportunity. It’s not too late to get yourself in position to start a business, perhaps even on a part-time basis, and plant the seeds to creating a stream of overriding passive income where, as your income grows, you can lessen your dependency on having to have a boss or having to have a job.

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, April 16, 2017

Why You Should Be a Student of Your Own Life
Written by Jim Rohn

One of the ways we learn how to do something right is simply by doing it wrong.

Let me share with you two of the best sources of information available.

1. Your Own Experiences
Become a good student of your own life. It’s the information you are most familiar with and feel the strongest about, so make your own life one of your most important studies.

In studying your own life, be sure to study the negative as well as the positive, your failures as well as your successes. Our so-called failures serve us well when they teach us valuable information. They’re frequently better teachers than our successes.

One of the ways we learn how to do something right is simply by doing it wrong. Doing it wrong is a great school for learning, but I would suggest that you not take too long doing this. If you’ve done something wrong for 10 years, I wouldn’t suggest taking another 10. But what a close-at-hand and excellent way to learn: from your own experiences!

When I met my mentor Mr. Shoaff, I had been working for six years. I started when I was 19, and when I met him, I was 25. He said to me, “Mr. Rohn, you have been working now for six years. How are you doing?” I said, “Not very well.” He said, “Then I suggest you not do that anymore. Six years is long enough to operate with the wrong plan.”

Next he asked, “How much money have you saved in the last six years?” I said, “Not any.” He said, “Who sold you on that plan six years ago?” What a fantastic question! Where did I get my current plan that wasn’t working well? Everyone has bought someone’s plan. The question is whose? Whose plan have you bought?

Those initial confrontations might be a little painful at first, especially if you have made as many errors as I have. But think of the progress you can make when you finally confront those errors by becoming a better student of your own life.

2. Other People’s Experiences
Remember, you can learn from other people whether they have done things right or wrong. You can learn from the negative as well as the positive. Some human stories are called examples: Do what these people did. Other human stories are called warnings: Don’t do what these people did. What a wealth of information: knowing what to do and what not to do. If your story ever gets in somebody’s book, make sure they use it as an example, not a warning.

There are a couple ways to learn from other people.

Read all the books by and about people who have accomplished great things. All the successful people around the world I know and work with are good readers. They just read, read, read. They are driven to read because they just have to know. It is one of the things they all have in common.

Successful people also listen to audiobooks, especially while they’re in their cars or during other times when they can’t read. Audio can help all of us easily pick up new ideas and skills—like how to be strong, more decisive, a better speaker, a more effective leader, have a better effect on other people, become more loving, develop a more winning personality, get rich, develop persuasive influence, become sophisticated…. And people don’t utilize these resources.

So many successful people have written their stories in books and told the world how they became successful, and most people don’t want to read or listen to them. How would you explain that? They’re busy, I guess. They say, “If you worked where I work, you’d know that by the time I struggle home, it’s late. I’ve got to have a bite to eat, watch a little TV and go to bed. I can’t stay up half the night and read.”

Imagine someone who is behind on the bills. He’s a good worker and very sincere. Unfortunately, you can be sincere and work hard all of your life and wind up broke, confused and embarrassed. You’ve got to be better than a good worker. You’ve got to be a good reader and a good listener. You don’t have to read or listen to educational programs half the night—although, if you’re broke, it’s a good place to start. All you need are just 30 minutes a day. That’s all. Stretch it to an hour if you can, but set aside at least 30 minutes.

Hear or read something challenging, something instructional, at least 30 minutes a day, every day. Miss a meal, but not your 30 minutes. You can get along without some meals, but you can’t get along without some ideas, examples and inspiration.

There’s a biblical phrase that says, “Man cannot live on bread alone.” The most important thing aside from bread is words. Words nourish the mind; words nourish the soul. Humans have to have food and words to be healthy and prosperous. Make sure you have a good diet of words every day. And remember that to properly feed the mind, you must maintain good balance. Don’t just read or listen to the easy material. You can’t live on mental candy.

With good books and programs, you can “tap into the treasure of ideas.” And if somebody has a good excuse for not tapping into the treasure of ideas for a least 30 minutes every day, I’d like to hear it. You wouldn’t believe some excuses I’ve heard.

I say, “John I’ve got this gold mine. I’ve got so much gold. I don’t know what to do with it all. Come on over and dig.” John says, “I don’t have a shovel.” I say, “Well, John, let’s get you one.” He says, “Don’t you know what they want for shovels these days?”

John has the wrong perspective. Don’t make the same mistake. Invest the money, get the programs and books. The best money you can spend is money invested in your self-education. Don’t shortchange yourself when it comes to investing in your own better future.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2017. 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, April 9, 2017

Are You Lying to Yourself?
Written by Jack Canfield

The person most likely holding you back from success is you.

How? Self-deception. Lying to yourself is the simplest way to ignore the challenges and situations that push you to achieve more.

Today, I’m going to talk to you about how to get out of denial and come to terms with the things that are holding you back from success.

Face What Is Not Working in Your Life
If you are going to be successful, you have to get out of denial and face what isn’t working in your life.

Do you make excuses for the lack of results in your business or your career? Do you defend or ignore how toxic your work environment is?

Maybe you make excuses for a bad marriage? Are you in denial about your lack of energy, your excess weight, your ill health, or your level of physical fitness?

Successful people face these circumstances head on. They heed the warning signs and take appropriate action, no matter how uncomfortable or challenging it might be.

How to Recognize Denial
What does denial look like?

Though some situations in our lives can be uncomfortable, embarrassing, and painful, we often live with them. Worse, we hide them behind myths, accepted views, and platitudes.

We don’t even realize we are in denial.

We use phrases such as, “It’s just what guys do.” “You can’t control teenagers these days.” “He’s just venting his frustrations.” “It’s got nothing to do with me.” “It’s none of my business.” “It’s not my place to say.” or “I don’t want to rock the boat.”

Lying to Yourself is NOT the Easy Route
Occasionally, we'll even pretend a situation is working when it isn't. We don't realize that if we acknowledge the bad situation sooner, it is often less painful to resolve.

Acknowledging the situation is cheaper, and the circumstances might be more beneficial. Likewise, the problems would be easier to solve and we could be more honest with everyone concerned. In turn, we would feel better about ourselves, and we would certainly have more integrity.

The problems would be easier to solve and we could be more honest with everyone concerned. In turn, we would feel better about ourselves, and we would certainly have more integrity.

But in order to accomplish this, we have to get past our denial.

Acknowledge the Bad Situation
Successful people are more committed to finding out why things are going wrong and fixing them. They do not defend their own position or maintain their ignorance.

A big part of not lying to yourself is recognizing bad situations and then doing something about them.

Often denial is the notion that something even worse will happen if you stop lying to yourself and take corrective action.

In other words... We’re afraid to face the truth.

Solutions Do Not Always Require Drastic Change
Therapists can tell you that in spite of overwhelming clues that their spouse is having an affair, many patients will not confront their cheating partner.

They simply don’t want to face the fact that the marriage might be over.

It could be they don’t want to deal with the emotional stress and the physical inconvenience of a divorce. Or they don’t want to deal with the financial upheaval or the possibility that they might have to move or get a job.

Many of the situations I described may require drastic changes in how you live, work, and relate to others. Remember that the solution to your problems isn’t always to quit your job, get a divorce, fire the employee, or ground your teenager.

It may be more productive to choose less extreme alternatives.

These alternatives can be a discussion with your boss, marriage counseling, setting boundaries with your teenager, coworkers, friends and family, scaling back your expenditures, or seeking competent professional help.

Face Your Fears and Take Action
Of course, these less drastic solutions still require you to face your fears and take action.

But you have to face what isn’t working first.

The good news is that the more you face uncomfortable situations, the better you get at it. When you face one thing that isn’t working, the next time you face a challenge, you are more likely to take immediate action.

And the sooner you take action, the easier it is to handle.

Choose an Area of Your Life to Improve
As usual, I want to leave you with a bit of homework to complete. Take the time right now to make a list of what isn’t working in your life.

Start with the seven major areas where you would normally set goals:
  1. Financial
  2. Career or Business
  3. Free Time or Family Time
  4. Health and Fitness
  5. Relationships
  6. Personal Growth
  7. Contribution or Making a Difference
Make a Plan
Ask yourself:

“What’s not working? How can I improve it? What requests can I make? What action steps can I take to get each of these situations to work out the way I would like them to?”

Do you need to talk to someone? Call a repair person? Ask someone for help? Learn a new skill? Find a new resource? Read a book? Call an expert?

Just choose one and make a plan to fix it. Hold yourself accountable, and decide at least one thing you’re going to fix right now.

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, April 2, 2017

The Formula for Success (and Failure)
Written by Jim Rohn

Failure is not a single, cataclysmic event. We do not fail overnight. Failure is the inevitable result of an accumulation of poor thinking and poor choices. To put it more simply, failure is nothing more than a few errors in judgment repeated every day.

Now why would someone make an error in judgment and then be so foolish as to repeat it every day? The answer is because he or she does not think that it matters.

On their own, our daily acts do not seem that important. A minor oversight, a poor decision, or a wasted hour generally doesn't result in an instant and measurable impact. More often than not, we escape from any immediate consequences of our deeds.

If we have not bothered to read a single book in the past 90 days, this lack of discipline does not seem to have any immediate impact on our lives. And since nothing drastic happened to us after the first ninety days, we repeat this error in judgment for another ninety days, and on and on it goes. Why? Because it doesn't seem to matter. And herein lies the great danger. Far worse than not reading the books is not even realizing that it matters!

Those who eat too many of the wrong foods are contributing to a future health problem, but the joy of the moment overshadows the consequence of the future. It does not seem to matter. Those who smoke too much or drink too much go on making these poor choices year after year after year... because it doesn't seem to matter. But the pain and regret of these errors in judgment have only been delayed for a future time. Consequences are seldom instant; instead, they accumulate until the inevitable day of reckoning finally arrives and the price must be paid for our poor choices—choices that didn't seem to matter.

The Formula for Failure
Failure's most dangerous attribute is its subtlety. In the short term those little errors don't seem to make any difference. We do not seem to be failing. In fact, sometimes these accumulated errors in judgment occur throughout a period of great joy and prosperity in our lives. Since nothing terrible happens to us, since there are no instant consequences to capture our attention, we simply drift from one day to the next, repeating the errors, thinking the wrong thoughts, listening to the wrong voices and making the wrong choices. The sky did not fall in on us yesterday; therefore the act was probably harmless. Since it seemed to have no measurable consequence, it is probably safe to repeat.

But we must become better educated than that!

If at the end of the day when we made our first error in judgment the sky had fallen in on us, we undoubtedly would have taken immediate steps to ensure that the act would never be repeated again. Like the child who places his hand on a hot burner despite his parents' warnings, we would have had an instantaneous experience accompanying our error in judgment.

Unfortunately, failure does not shout out its warnings as our parents once did. This is why it is imperative to refine our philosophy in order to be able to make better choices. With a powerful, personal philosophy guiding our every step, we become more aware of our errors in judgment and more aware that each error really does matter.

Now here is the great news. Just like the formula for failure, the formula for success is easy to follow: It's a few simple disciplines practiced every day.

The Formula for Success
Now here is an interesting question worth pondering: How can we change the errors in the formula for failure into the disciplines required in the formula for success? The answer is by making the future an important part of our current philosophy.

Both success and failure involve future consequences, namely the inevitable rewards or unavoidable regrets resulting from past activities. If this is true, why don't more people take time to ponder the future? The answer is simple: They are so caught up in the current moment that it doesn't seem to matter. The problems and the rewards of today are so absorbing to some human beings that they never pause long enough to think about tomorrow.

But what if we did develop a new discipline to take just a few minutes every day to look a little further down the road? We would then be able to foresee the impending consequences of our current conduct. Armed with that valuable information, we would be able to take the necessary action to change our errors into new success-oriented disciplines. In other words, by disciplining ourselves to see the future in advance, we would be able to change our thinking, amend our errors and develop new habits to replace the old.

One of the exciting things about the formula for success—a few simple disciplines practiced every day—is that the results are almost immediate. As we voluntarily change daily errors into daily disciplines, we experience positive results in a very short period of time. When we change our diet, our health improves noticeably in just a few weeks. When we start exercising, we feel a new vitality almost immediately. When we begin reading, we experience a growing awareness and a new level of self-confidence. Whatever new discipline we begin to practice daily will produce exciting results that will drive us to become even better at developing new disciplines.

The real magic of new disciplines is that they will cause us to amend our thinking. If we were to start today to read the books, keep a journal, attend the classes, listen more and observe more, then today would be the first day of a new life leading to a better future. If we were to start today to try harder, and in every way make a conscious and consistent effort to change subtle and deadly errors into constructive and rewarding disciplines, we would never again settle for a life of existence—not once we have tasted the fruits of a life of substance!

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2017. 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, March 26, 2017

The Greatest Leadership Trait of Successful People
Written by Jack Canfield

Our lives improve only when we take chances—and the first and most difficult risk we can take is to be honest with ourselves - WALTER ANDERSON, Editor of Parade magazine for 20 years

I want to really dive into the one common trait that all successful leaders share and that trait is the ability to identify what’s not working and deal with it quickly.

As someone in a leadership position – whether you’re a trainer, corporate manager, MLM distributor with a downline, owner of a small business, manager of a sports team, or parent – you want your team to thrive while working together to generate great results.

That means you need to have a strong understanding of what’s working – as well as what’s not.

It’s sometimes tempting to focus only on the positives and ignore the negatives in the hope they’ll magically resolve themselves. On rare occasions, that actually happens. But, far more often, a negative situation left untreated will fester and grow into something that threatens the health and performance of your entire team.

Great Leaders Deal With What Isn’t Working As Soon As Possible
To create an environment where all of your team members work in complete alignment with each other, genuinely care for each other, and work together to accomplish incredible goals, there’s one incredibly important step you need to take:

You’ve got to face what isn’t working and deal with it as soon as possible.
  • Do you defend or ignore how toxic your work environment is?
  • Do you make excuses for your team members’ poor performances?
  • Are you in denial about a personal conflict between individuals that’s negatively impacting the dynamics of the team?
  • Has a team member developed a bad attitude that’s affecting others?
Great leaders face these circumstances squarely, heed the warning signs, and take appropriate action, no matter how uncomfortable or challenging it might be.

Great Leaders Pay Attention
Pay attention to the “yellow alerts”.

Yellow alerts are the little signals you get that something’s not right. People aren’t speaking up in meetings. Team members talking in low voices fall silent when you enter the room. When you make a presentation, people looked bored and disengaged. Sales are down for the third quarter in a row. Great Leaders Face the Uncomfortable Situation Head On

Sometimes we choose to acknowledge these alerts and take action, but more often than not, we simply choose to ignore them. We pretend not to notice that something’s amiss.

Why?

Because to face what’s not working in your team, organization, or own personal leadership means you’re going to have to do something uncomfortable.

You might have to confront somebody, risk not being liked, demand respect, let someone go, or maybe even quit your job. But if you aren’t willing to do these uncomfortable things, you’ll end up tolerating a situation that doesn’t work to the point where it causes serious damage.

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/.

Thursday, March 16, 2017

Not all Dividends are created equal

The word "dividend" is often thrown around so loosely that its meaning gets confusing. Thus it is important to note the difference between Life Insurance Policy dividends and Investment dividends.

Investment Dividends
An investment dividend is a payment made by a corporation to its shareholders, usually as a distribution of profits. When a corporation earns a profit or surplus, the corporation is able to re-invest the profit in the business and pay a proportion of the profit as a dividend to shareholders.

Cash dividends are the most common form of payment and are paid out in currency, usually via electronic funds transfer or a printed paper check. Such dividends are a form of investment income and are usually taxable to the recipient in the year they are paid. When the dividends are reinvested, like in an IRA, the taxes can be deferred to a later date.

The main thing to note here is that investment dividends are taxable. If you bought the shares via a broker, that broker will send you a 1099 at year’s end telling you and the IRS how much you received during the year.

Life Insurance Policy Dividends
Policy dividends are a "return of premium," which means that if your insurer had an overall good year, it will give you back part of the premium you paid for your insurance policy. However, it is important to note here that dividend payments received from life insurance policies aren’t subject to taxes by the IRS, since the insurance companies generated the gains off of their policyholders. In essence, the dividend payments are treated as refunds for over payment of the premium. So, if you are receiving life insurance dividends, you are being deliberately overcharged to pay for them.

Don’t be fooled
A dividend as it relates to investing is a payment to you and a dividend as it relates to life insurance is a return of some of your over payment that you made to them. Life Insurance was never meant to be an investment and your insurance and your investments should be kept as far apart as possible. I mean, if you have health insurance, auto insurance, homeowner’s insurance – do any of these products have a savings element with them? No, because it doesn’t make any sense. And it shouldn't make sense with your life insurance policy either.

Here are some ways that life insurance companies make policy dividends look so good:
  1. By using the word dividend in the first place, it just sounds like a good thing.
  2. They might also tell you that with stock dividends, they are only concerned with paying the shareholder. However, with policy dividends, we are more concerned with paying our policy holder.
  3. Furthermore, they often pay dividends to keep customers from defecting to other insurers. They think a check at the end of the contract year — no matter how small — is incentive enough for policyholders to renew their coverage and not seek lower rates or better coverage elsewhere. (If they only knew it was their own money.)
Insurance companies pay dividends not only to pass on perceived savings to policyholders, but also to get a substantial tax break. Dividends are subtracted from a company's income, thus lowering the amount of taxes it must pay.

The Bottom Line
Keep your Insurance and Investments separate. Buy lower cost Term Life Insurance and you will surely have more money for, perhaps, putting it towards some real dividend-paying investments.

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 questions or comments, please feel free to contact me.

Sunday, March 12, 2017

Stop Using These Affirmations Now
Written by Jack Canfield

Life is full of obstacles and roadblocks. It is easy to slip into negative self-talk when faced with these setbacks. This pessimistic outlook has a greater impact on your mindset than you’d think. I want to share a few common affirmations that you should stop using immediately and some positive replacements for them.

The Law of Attraction is at Work Right Now
The Law of Attraction is the most powerful law in the universe. Like gravity, it is always in effect, always in motion. It is working in your life at this very moment.

Simply put, the Law of Attraction says that you will attract into your life whatever you focus on. Whatever you give your energy and attention to will come back to you. If you focus on lack and negativity, then that is what you will attract into your life.

Replace These Negative Affirmations Now!
The negative messages that you feed yourself can lead to depression, lack of self-esteem and low self-confidence.

If you are using any of these affirmations you should stop, and replace them right now, instead choose from this list of positive affirmations.

1) "Money is the Root of All Evil."
The first affirmation you need to stop using now is “Money is the root of all evil” or “Having money creates more problems in life.”

There is nothing wrong with desiring financial wealth. You can do a lot of good in the world with greater financial assets. It is only the attachment to money that becomes problematic.

Replace this with:

"My life is abundant in every way."

2) "I Don't Want to Be Angry." The second affirmation to stop using now is “I don’t want to be angry.”

It’s important to focus on what you do want, not on what you don’t want. State your desires in a positive way.

Your mind works in pictures. If you say “I don’t want to be angry,” you are creating the picture and the vibration of being “angry.” The universe only receives the frequency of “angry” and responds to that.

You must focus on the opposite of what you don’t want. In this case, it would be a better choice to say

“I want to be more loving and accepting of the way things are.”

3) "I Don't Want to Get Sick." The third affirmation to stop using now is “I don’t want to get sick.”

We have a tendency to focus on what we don’t want in so many areas of our lives, even when it comes to our own health.

When faced with an illness or disease, we become completely preoccupied with the problem rather than the desired outcome. We tend to give our complete focus to the illness, and all that it entails, instead of focusing on being healthy.

Use an affirmation like

“I always enjoy being vibrant, healthy, energetic and strong.”

Since what you focus on expands, you want to direct your energy and thoughts to those of being well. Keep your thoughts positive and optimistic, and see yourself as healthy and whole.

Your positive energy, thoughts, visualizations, affirmations, prayer and meditation combined with whatever holistic, natural integrative or traditional medical treatments you choose to seek will serve to enhance the healing process.

4) "I'm Losing Control."
The fourth affirmation to stop using is, “I am losing control.”

There are times in life where you may feel like you can’t control the things that are happening around you. Remember that you are always responsible for how you react to the things happening around you.

Negative thoughts often cause feelings of hopelessness and distance. Begin to think positively about the things happening around you and acknowledge that you are responsible.

A positive affirmation to replace this is:

“I am grateful for every experience in my life.”

Think Differently and Positively
Make a conscious effort to restructure the way you think and speak. Avoid giving any unnecessary energy to the things you don’t want in your life. Avoid subjecting yourself, your thoughts, and your emotions to the negative people and influences in your life. Remember, nothing will change for the better until you 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, March 5, 2017

3 Reasons That Could Be Keeping You From Becoming Wealthy
Written by Jack Canfield

Many people try to find a big break or the secret to becoming wealthy. The internet is full of “How to Get Rich Fast” articles, but your paycheck remains the same.

Sadly, there is no quick and easy route to making it big. Attaining wealth takes time, patience, and the know-how.

Here are three reasons that could be keeping you from becoming wealthy…

1. Replace Negative Beliefs About Money
Like everything I’ve said about transforming your life, financial success also starts in your mind.

So first, you’ll have a hard time becoming wealthy if you don’t surface, identify, root out, and replace any negative or limiting beliefs you have about money.

Things like:
  • "Money doesn’t grow on trees."
  • "You have to have money to make money."
  • "Money is the root of all evil."
  • "You can’t buy happiness."

Include Money In Your Daily Affirmations
These beliefs are subconsciously putting out the wrong vibrations. They conflict with your conscious intentions of becoming wealthy. Tackle these beliefs and turn them into positive turnaround statements like:

"When it comes to me, money is the root of love, joy, and good works."

And remember to include money into your daily visualizations and affirmations.

Visualize all your financial goals as already accomplished. See your desired paychecks, rent checks, bank statements, stock reports, and real estate portfolios. Feel the feelings you think you would feel when each of these becomes a reality.

2. Start Spending Less
The second reason becoming wealthy is hard for you is you’re not spending less.

Spending too much keeps you in debt, prevents you from saving, and focuses you on consumption.

Try this: Go through every closet, drawer, and cabinet in your house and take out everything you haven’t used in the past year.

I’ve encountered people who found expensive clothes and equipment with the tags still attached, literally used once.

Add up the cost of these items, and you’ll probably find that the total is more than your current credit card debt.

Pay Cash For Everything
To get yourself to spend less, I am going to suggest – except for things like your car or your home - paying cash for everything.

It’s immediate and it makes you think about what you’re buying. Since it’s tangible and visible, you’ll start to consider every purchase much more carefully.

Have the Lifestyle You Want For Less
Also, try living the lifestyle you want, but paying a whole lot less for it.

Try to buy things on sale. Ask for deals. Research the lowest price on the internet. Buy designer clothes at vintage shops and so on.

I know many people who do this to maintain an aggressive saving and investment program.

3. Pay Yourself First
Lastly, before you pay your debt and for the lifestyle you want, you’ll never become wealthy if you don’t pay yourself first.

There’s a book written in 1926 by money leader, George Classon called, The Richest Man in Babylon, which said the first principle of creating wealth is: “A part of all you earn must be yours to keep.”

Start by putting at least 10% of all your earnings aside. Make that money inaccessible for expenses and you’ll see this amount build over time. In turn, it will start earning money on its own.

Live on What’s Left
The world’s most aggressive savers make investing money as important as paying their debt. Get in the habit of immediately putting a predetermined percentage of your paycheck in a savings account.

This will save you some money every month. Do not allow yourself to touch it. Keep adding to that account until you’ve saved enough to move it into a mutual fund or bond account.

You can even invest it somewhere else.

Pay yourself first, then live on what’s left. Trust me, this will force you to find ways to earn more money to afford things you want to buy or do.

You can also use a vision board to stay focused on your goals and attract the resources and opportunities you need to achieve them!

Create New Money Habits
If any of the three reasons I provided resonated with you, it is clear why you are not becoming wealthy. There is no quick fix, but putting in the work and making slight adjustments to your money habits will pay off. You have the power to transform your life. It all starts in your mind.

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, February 26, 2017

Better Is Something You Become
Written by Jim Rohn

Your life will change when you do.

A wise and resilient old gentleman who used to dine every month in his club downtown—sitting at a long table covered with a white linen tablecloth and sporting silver candlesticks, and served by tuxedoed waiters—loved to regale companions with the fruits of his many years of experience. After dessert and coffee were served, he would push back from the table and light an enormous imported cigar.

“This cigar is the only indulgence of an old man,” he would say with a chuckle as he struck the wooden match against his thumbnail, and then he’d launch into one of his stories.

They usually began with a question, such as, “Did I ever tell you about the time when I was setting up factories for the Giant XYZ Corporation in the backwoods of Georgia and was compelled to teach them a little lesson in business and good manners?”

Although the stories always started out the same, no two stories were ever alike, and there would always be a wealth of wisdom through example, a veritable mother lode of remarkable instruction. And this man who was so old, so wise and so flexible had one ironclad rule for dealing with other people. This rule involved learning and growing from every experience, so the negative ones need never happen again.

He said, “If a man fools me once, I think, That’s not nice, and I remember it. If the same man fools me a second time, I think, Shame on you. If the same fellow tricks me a third time, well, I have been warned and should have changed my ways and didn’t, so I think, Shame on me.”

If you’re not changing your responses to the situations and circumstances that make up your life, you’re not being flexible, and you’re throwing away the greatest asset as an individual human being. None of us can completely control external events, but we can always control and adapt our responses. None of us can know which cards fate is going to deal out, but we can always control how we play them.

None of us can completely control external events, but we can always control and adapt our responses.

I once did a seminar for a group of oil company executives during their convention in Honolulu. While we were sitting around the conference table, one of them asked, “Mr. Rohn, you know some important people around the world. What do you think the next 10 years are going to be like?” I said, “Gentlemen, I do know the right people. I can tell you.” So they all listened very carefully. I said, “Gentlemen, based on the people I know and from the best of my own experience, I’ve concluded that in the coming 10 years, things are going to be about like they’ve always been.”

I said that to make a point, but also because it’s accurate. Things are going to be about like they’ve always been. The tide comes in, and then what? It goes out. That’s been the case for 6,000 years of recorded history, and probably long before that, so it’s not likely to change.

It gets light and then what? It turns dark. For 6,000 years. We are not to be startled by that now. If the sun goes down and someone says, “What happened?” he must have just gotten here, I guess. It always goes down about this time of day.

In rotation, the next season after fall is winter. And pray tell, how often does winter follow fall? Every time, without fail, for 6,000 years that we know of. Of course, some winters are long and some are short, some are difficult and some are easy, but they always come right after fall. That isn’t going to change.

Sometimes you can figure it out, sometimes there’s no way to figure it out. Sometimes it goes well, sometimes it gets in a knot. Sometimes it sails along, sometimes it goes in reverse. That’s not going to change. That last 6,000 years read like this: opportunity mixed with difficulty. It isn’t going to change.

Someone says, “Well, then, how will my life change?” And the answer is: When you change.

Whether I’m talking to high school kids or business executives, my message is always the same. The only way it gets better for you is when you get better. Better is not something you wish for; better is something you become.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2017. 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, February 19, 2017

These Mistakes Are Costing You Your Happiness in Life
Written by Jack Canfield

I want you to ask yourself something: Are you genuinely happy? Take a moment to honestly think about that. Have you genuinely found happiness in life?

If your answer is no, or even maybe, let’s talk about the reasons why you aren’t happy, and the mistakes you might be making unknowingly that are costing you happiness.

1) You Haven’t Transformed Your Inner Critic into Your Inner Coach
The first mistake you might be making that is costing you your happiness is that you haven’t successfully transformed your inner critic into your inner coach.

Research indicates that, on average, people talk to themselves about 50,000 times a day. Unfortunately, most of that self-talk is about yourself, and according to the psychological researchers, it is about 80% negative.

Some examples of this might be:
  • “I shouldn’t have said that.”
  • “I don’t like the way my hair looks today.”
  • “I’ll never lose weight.”
  • “I can never seem to get organized.”
… and the list goes on.

We know from this research that these thoughts have a powerful effect on us. Our negative thoughts actually control our behavior.

The first thing you have to do if you want to find happiness in life, is put a muzzle on that inner critic and transform it into an encouraging, loving, and positive inner coach.

One of the most powerful exercises for retraining your inner critic is to teach it to tell you the total truth. Just like your parents disciplined you for your own good, your inner critic really has your best interests in mind when it is criticizing you. It wants you to get the benefit of the better behavior. The problem is that it tells you only part of the truth.

Whenever you hear a part of you judging yourself, simply reply,

“Thank you for caring. What is your fear? What specifically do you want me to do? How will this serve me? and Thank you.”

Do not let the seeming simplicity of this technique fool you. It is very powerful if you use it.

2) You’re Letting Your Limiting Beliefs Control You
Another mistake you might unknowingly be making and therefore sabotaging your own happiness is allowing yourself to be controlled by your limiting beliefs.

Many of us have beliefs that limit our success -- whether they are beliefs about our own capabilities, beliefs about what it takes to succeed, or even beliefs about how we should relate with other people.

Moving beyond your limiting beliefs is a critical step toward becoming happier and more successful.

Learn How to Find Happiness in Life in 4 Steps
To do this, you must first believe that you are capable of accomplishing your goals and that you are capable of being happy.

Here is a simple but powerful four-step process you can use to transform any limiting belief into an empowering belief:
  • Step 1: Identify a limiting belief that you want to change.
  • Step 2: Determine how that belief limits you.
  • Step 3: Decide how you would rather be, act, or feel. And…
  • Step 4: Create a turnaround statement that affirms or gives you permission to be, act, or feel this new way.
For example, a negative belief might be: “If I express my true feelings, people will think I’m weak and take advantage of me.”

The turnaround belief would then be:

“The more I express my true feelings, the more people love, respect, and support me.”

Once you have created a new belief, you will need to implant it into your subconscious mind through constant repetition for 2 or 3 minutes several times a day for a minimum of 30 days.

In conclusion, keeping these 2 possible mistakes in mind (listening to your inner critic without retraining it to be your inner coach and letting yourself be controlled by your unconscious limiting beliefs). Make a list of any beliefs that might be limiting you and follow the steps outlined above.

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, February 12, 2017

How to Build Good Relationships
Written by Jim Rohn

The foundation of a strong and fruitful relationship is kindness and sensitivity.

Achieving genuine success is not a solo effort. You simply can’t be successful by yourself. With that in mind, I’d like to offer some tips that have been effective for me in building good relationships.

Let’s start with kindness. How kind should you be? As kind as you possibly can. Who should you be kind to? To everyone you come in contact with. From taxi drivers, to hotel clerks, to servers, to store clerks, to people on the street, in your office and at home. Be kind to everyone.

A kind word goes a long way. Perhaps somebody is having a bad day and you don’t know it. He or she is really feeling down and you offer a kind word. Maybe it’s just a friendly, “Hello, how are you today?” Maybe it’s just taking a minute or two to listen to what somebody has to say. But your few moments of attention could turn somebody’s day around. You might make them feel more worthwhile and important.

Be generous with your kindness. It will go a long way. People will remember, whether you know them or not. If you’re in a crowded restaurant and you’re especially nice to the waiter, he’ll remember you next time you come in and give you even better service.

When you give kindness, it’s not gone. It’s invested. It will come back to you two, five, 10, 100 times. Kindness is important in every aspect of your life, especially in building good relationships with others.

The next relationship-building essential is sensitivity. Allow yourself to be touched by the experience of others. Understand the plight of others. Open up your heart, mind and attention to the needs of others. Whether they’re people you work with or people you live with, you need to put yourself in other people’s shoes. Try to find out, if you can, what’s going on in their hearts.

If there’s a problem, you’ve got to be sensitive enough to ask some questions. One question might do it. Sometimes, however, you won’t even get through to the root of the problem until you’ve asked two or three questions.

People often won’t reveal the problem on the first question. You say, “How are you today? How are things?” He or she answers, “Well, everything’s OK.” You can tell by the way they say this that everything is not OK. Most of us don’t want to come right out and say what the real problem is, unless two criteria are met.
  1. We need to feel as though we’re talking to someone we can trust.
  2. We need to believe we’re talking to someone who really cares.
So it might just take a second, third or fourth question before the trust builds. Once the person finally understands that you do care, they’ll be willing to tell you what’s really going on. You’ll hear what’s really on their mind.

Asking questions up front can save so much time. Have you ever talked for an hour and then asked a question? You probably found out that you just wasted the previous hour. Learn to ask questions that will build the trust and communication between you and those you work with. Build trust and communication, and you’ll also build loyalty.

If you don’t know the other person very well, you will obviously need a longer questioning process. You need to take the time to find out what he’s all about. You must be sensitive to where he or she came from, what he or she has been through, and the tragedies in his or her life. If you really want to have an effect on people, start with where they are coming from. If they’re hurting, try to understand their pain. If somebody’s in trouble, you’ve got to start with the trouble.

Learn to express, not impress. If you want to touch somebody, express sincerity from the heart. When you try to impress, you build a gulf. By expressing, you build a bridge. People want to be able to relate their thoughts and philosophies and experiences to someone who will say, “Me, too. I know what you mean.” They don’t want your reaction to be, “So what?”

If you’re meeting someone for the first time, and you’re simply getting acquainted, here’s where you start: Find something you have in common. Find something you can both identify with.

When you’re talking with somebody who’s been stricken in the heart and you’ve had the same experience, you can talk about being stricken in the heart. Your words will mean something. They will have substance. They will have depth. If you start there, building the bridge with kindness and sensitivity, you have identification. You have the basis for a strong and fruitful relationship. And everyone will benefit.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2017. 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, February 5, 2017

5 Tips for Using Your Time Wisely
Written by Jim Rohn

Anything is possible in the 24 hours we’re given each day.

Let me give you some thoughts on time management. Here is a list of things you should consider to make the most of your time:

1. Run the day or it will run you.
Part of the key to time management is just staying in charge. Here’s what usually happens: We start something and we’re in control, but as the day starts to unfold, we start losing it. It’s like running a business. If you don’t stay on top of things, the business will run you before long. You have to stop every once in a while and say, “Wait! Who’s in charge here?”

Here’s a good phrase to remember: “Some will master and some will serve.” That’s the nature of life, and you have to make sure you become the master. You have to run the day. You have to stay in charge.

What is the key to staying in charge? You must have your written set of goals with you at all times. Prioritize your goals and decide which are important. Constantly review your goals, then make them a part of a good written game plan.

With your game plan in hand, try to separate the majors from the minors, the really important things from the things that you just have to do. And prioritize. A little thought will save you a lot of time.

Is this a major day or a minor day? Adjust your time accordingly. Is this a major conversation or a minor conversation? A lot of people don’t do well in this area, and here’s why: They major in minor things. They spend too much time on things that don’t count and too little time on things that should count.

2. Don’t mistake movement for achievement.
You probably know some people around you who are just plain busy being busy. You’ve got to be busy being productive.

Consider this: A man comes home at night and flops down on the couch. He says, “I’ve been going, going, going.” But the real question is, “Doing what?” Some people are going, going, going, but they’re doing figure eights. They’re not making much progress.

Don’t mistake movement for achievement. Evaluate the hours in your days, and see if there’s a lot of wasted time that you could manage better.

3. Concentrate on where you are.
You’ve just got to zero in on the job at hand. Don’t start your business day until you get to the business. I used to start my business day in the shower. I’m trying to compose a letter in the shower. I’m not awake yet, and I’m trying to compose a letter. I found out that it doesn’t work that way. Wait to get to the office to start your work. Don’t start your business day at the breakfast table. It’s not good for the family, and it’s not very productive.

So here’s what you’ve got to do. On the way to work, concentrate on your driving. In the shower, concentrate on the shower. At the breakfast table, concentrate on the family. Wherever you are, be there. Don’t be somewhere else. Give whatever you’re doing the gift of attention. Give people the gift of attention. Concentrate on where you are.

4. Learn to say no.
Boy, it’s easy in a society like ours to just say yes too much, to over-obligate yourself. Then it takes all that time to back out of it. Don’t say yes too quickly. It’s better to say, “I don’t know if I can make it, but I’ll give you a call.” It’s nicer to say that than to back out later.

One of my colleagues has a good saying: “Don’t let your mouth overload your back.” Being too eager to please can be dangerous. You need to appreciate yourself, your time, your limits. Know when your commitment to someone else will end up taking time away from yourself and your family. Appreciate your special time alone. And appreciate your time with those you love and those who love you.

This is especially important when it comes to charity work. A group of entrepreneurs I know have been very successful in their own business. They get a lot of press. And they’ve been swamped with requests to do pro bono work. They must get a couple offers a month to sit on one charity board or another. Here’s how they handle it: They take all requests, weigh them for time commitments and evaluate them for opportunities. Then they take a collective vote on which two they’ll accept during the next year.

You can’t immediately say yes to offers that sound prestigious. You can’t immediately say yes to social functions, even if they sound like a lot of fun. You’ve got to say maybe and take time to evaluate what’s truly important to you and what will just take time away from your ambitions and your family.

Be eager to please yourself and your family. Don’t be so eager to please everybody else. Appreciate your own limits. You don’t have to fill up every second of the day; take time to appreciate what you’ve accomplished. Take time to enjoy the fruits of your labor.

5. Appreciate the little details.
Your success should be a pleasure. Appreciating what you’ve acquired and what you’ve done and who you’ve become is important. It’s an important component in fueling your future achievements. Just knowing that you finished all you started out to do that day… that’s encouraging! It’s these little daily gains that continue to fuel your achievement.

Let’s say you’re figuring out tomorrow’s game plan tonight, and tomorrow looks pretty light. So all you write down for tomorrow is “cleanup day.” Clean up all the little notes on your desk. Write all the thank-you notes you haven’t gotten around to writing all week. Take care of a few phone calls that keep getting shuffled from one day to the next. It’s just minor stuff. Nonetheless, it’s the little stuff that keeps weighing you down until you get it done.

So you spend your day in cleanup mode. You file the notes, write the thank-you cards, make the phone calls. It’s not a major day. But at the end of the day, you feel you’ve accomplished so much. Why? Because you’ve taken care of so many little details. It’s the little details that can make a major difference. You feel like you’ve really achieved something during a day that started out to be so minor.

Little achievements are just as important as big achievements. Success is the constant process of working toward your goals, little achievement by little achievement. Little achievements produce big results. Anything is possible in those 24 hours we’re given each day.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2017. 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, January 29, 2017

3 Keys to Becoming Wealthy
Written by Jim Rohn

Plan for tomorrow instead of just living for today.

A man I knew had an MBA from Harvard and an engineering degree from MIT. Smart guy. When he retired, he started doing what he liked best: teaching college courses in economics and business planning. But when he taught economics, he also taught personal economics. This is the philosophy that he started his classes with: 1. Decide how you want to live now, versus how long you want to work.

This means that if you spend everything you make now, you’ll have no choice but to work longer and harder. But if you start investing in your financial future now, you’ll have many choices. You can retire early, travel more, continue your career or start a new career later in life. Once again, it all comes down to choices. Think tomorrow today… and live better tomorrow.

Here’s the next thing to think of when you’re planning your future of wealth: 2. Be careful with your credit cards. Selling money is big business. You probably get invitations in the mail to sign up for a new credit card a couple of times a month! Having some credit cards is important. Especially if you travel. They’re safer and easier to track than cash.

But be careful; credit is the easiest way to get into debt. When you buy something with a little piece of plastic, you don’t feel the effect until you get the bill. So make sure that whatever you buy, you’re still happy with your purchase after you get the bill.

Here’s another point to remember in becoming financially independent: 3. It’s hard to get rich quickly. It’s easy to get rich slowly. It doesn’t happen overnight. With conservative investments, it takes a while. It takes discipline to keep adding value to your future, a little every month. It takes time to build your fortune and become wealthy.

There’s a saying about investing: “Time, not timing.” It takes time. If playing the stock market is what you do, then you know that timing is a whole different ball game. But for the average person, it’s time.

A study was done a while back that analyzed stock market investments. The study took two scenarios into consideration. In the first scenario, stocks were bought at the very worst possible time and sold at the very worst possible time. Bough high and sold low. And after 40 years, the average return was around 10 percent. Scenario one dealt with time.

In the second scenario, stocks were analyzed over a 10-year period. Stocks were purchased at the best possible time and sold at the best possible time. After 10 years, the average return was… about 10 percent. The second scenario dealt with timing. So timing might not be all it’s cracked up to be.

Be patient in building your financial independence. It will come small steps at a time. It’s hard to be patient sometimes, but it’s just like achieving your goals: It happens one step at a time.

What about those situations when patience has nothing to do with becoming wealthy? What about those trust-fund babies who are handed their financial independence on a silver platter? They never have to work a day in their lives, if that’s what they choose. Their first car is a Porsche. Their first house is a mansion. Their first job is at their father’s company. What about those people born rich?

Some guy says, “It isn’t fair that I’m working like crazy all day, all week, all month, all my life…. It just isn’t fair! I’ll never have that kind of money.” Well, some things aren’t fair. Inheriting money might not seem fair. But what does that have to do with you? Really?

If your dream is to have greater wealth than some people you know, then you’d better start working harder and smarter on your own goals, your own visions, and stop pondering what’s fair and what isn’t. Start examining what’s keeping you back instead of what’s keeping them ahead. Start looking at what you’re doing. There are plenty of stories and examples and experiences of people who began their careers destitute and had enough resolve to do it until they had more than they ever dreamed of. Study the experiences of others who built their way to the top instead of those born there. And you’ll not only reach the top, you’ll truly deserve it.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2017. 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, January 22, 2017

Why Successful Habits Breed Success
Written by Jim Rohn

Your successes fuel your ambition. And they pave the way for more successes.

When you are doing all that you can possibly do, and you are successful at reaching your expectations, keep doing it. Success is one of the best forms of motivation. Psychologists call this positive reinforcement. We all know about positive reinforcement. That’s how we train our dogs. That how we teach our kids.

When you bring home a new puppy and try to teach him not to mess in the house, what do you do?

You reward him for going outside or for scratching at the door. When you’re trying to get your toddler out of the diaper stage, what do you do? You reward him with special presents. You make him feel special for learning something new. When you’re trying to get your older kids to crack the books and study, what do you do? You reward them when they get good grades. You teach them that the skills they are developing now will have positive effects on their lives later. And you do that by rewarding them now.

This is positive reinforcement: Learning that there are rewards for doing something good, something worthwhile, something of value. The greater the value, the greater the reward. The better you do, the better your reward. A bigger paycheck, a better house, financial freedom—it’s all a reward system.

There are two major benefits of positive reinforcement:

1. Positive reinforcement builds good habits.
If the habits you’re practicing are increasing your success, keep doing them. Your success is reaffirming that these habits are good. Your success tells you that you need to keep doing what you are doing. By reviewing the habits that lead you to success, you reinforce them. You give them staying power.

Here’s the other side. By reviewing your habits, you might find out that some of them are inhibiting your success. You might find out that what you’re doing every day is bad for you. Or you might realize that you’ve stopped practicing some very good habits. Somebody says, “Well, I’ve just gotten out of a bad habit of taking my daily walk around the block.” Well, I guess you’ll just have to get in the habit of being sick later on. Somebody says, “Well, I used to read books all the time; I’ve just gotten out of the habit.” Then change it. Get back your disciplines. If you’ve “just gotten out of the habit,” just get back into the habit. It’s called discipline.

2. Positive reinforcement creates the energy to fuel additional achievement.
It gives you the drive to do more, to not only keep on doing what’s right, but to do more of what’s right. The knowledge that what you’re doing is paying off creates more energy to keep going.

How easy is it to get up in the morning when you know you’re not doing all that it takes? It’s not very easy at all! You can just lie there, awake, thinking, Oh, what’s a few more minutes in bed. It won’t matter much anyway. Wrong! It does matter. It will matter. How easy is it to get up in the morning when you’re anxious to make progress toward your dreams? It’s a whole different story.

When you’re resting to renew your reserves, it’s much different than resting to avoid your day. When you’re psyched up and excited about life, when you’re excited about what you’ve planned to accomplish for the day, it’s amazing how you’ll wake up long before the alarm clock tries to startle you awake.

Your successes fuel your ambition. Your successes give you extra energy. Your successes pave the way for more successes. It’s the snowball effect. When you achieve one success, you’re excited to meet another… and another… and another. Pretty soon, the disciplines that were so difficult in the beginning—the disciplines that got you going—are now part of your philosophy. And they keep you going.

Jim Rohn, America's Foremost Business Philosopher, reprinted with permission from Jim Rohn International © 2017. 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.