Thursday, July 20, 2017

Things we are never taught in school

To clarify, here are some things that I wish I was taught while I was in school, instead of having to discover them for myself much later in life:

  • Recruiting is normal. Every business does it. Many think it is weird to recruit, but to business owners, not recruiting would be even more weird. Most people are used to getting recruited and not being the recruiter. But, what I’ve found is that the talented people aren’t the ones who are making all of the money – the people who are recruiting the talented people are the ones making all of the money.
  • In business, it is not just about having a great product or great advertising. That is nice and all, but it’s more about distribution. Does McDonald’s sell the best cheeseburgers in the world? I think most people would give a resounding “No!” Instead, at McDonald’s, they didn’t focus on the product, but on massive distribution. One time they put a Garth Brooks album at the counter of every McDonald’s and it became the #1 album. So, they don’t just sell burgers and fries. They demonstrated that once you have your distribution pipeline established, it is possible to pretty much sell anything through it.
  • In sports, you have to play fair, but in business you do not have to play fair. In basketball, to be fair you need to have 5 on 5, but in business, you could have 5 on 50. If one business has 50 agents and the other business only has only 5, the one with 50 is going to beat the one with 5 in sports, in a fight and also in business, because more people always wins.

The problem is, when we go to school, we have employees teaching us how to become a business owner. And when we go to a job, we have a business owner teaching us how to become an employee. That is why only 5% of the population are business owners making 95% of the wealth while the other 95% are employees making only 5% of the wealth.

In order for us to get from the 95% crowd over to the 5% crowd, it is going to require a change of thinking on our behalf. One suggestion might be to start thinking more like an immigrant who is dreaming of coming to America. Do you think most people come to America looking for a great job that is secure with benefits? No, most people come here looking for an opportunity. And there is plenty of opportunity out there for all of us - yes, even you. So, go out there, crush the status quo and look for YOUR opportunity!

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, July 16, 2017

How Do You Want People to See You as a Leader?
Written by Jim Rohn

… as honest and full of integrity, or dishonest and full of deceit? It’s your choice.

For a leader, honesty and integrity are absolutely the keys to success.

A lot of people don't realize how closely they're being watched by others. But do you remember when you were a kid in grade school, how you used to sit there staring at your teacher all day? By the end of the school year, you could do a perfect imitation of her mannerisms. You were aware of the slightest nuances in her voice—all the little clues that distinguished levels of meaning and told you the difference between bluff and "I mean business.”

As a child, you were able to do this after eight or nine months of observation. Suppose you had five or 10 years—do you think there would’ve been anything about your teacher you didn't know?

Now fast forward and use that analogy as a manager. How much does your team know about you right this minute? Have you been completely honest with them, or do you feel like you've gotten away with small dishonest things?

An act of dishonesty can't be hidden, and it will instantly undermine the authority of a leader. However, an act of integrity and kindness is just as obvious. When you're in a leadership position, you have the choice of how you will be seen—but you will be seen, one way or the other.

In any organization, people want to believe in their leaders. If you give them reason to trust you, they're not going to go looking for reasons to think otherwise, and they'll be just as perceptive about your positive qualities as they are about the negative ones.

Yet we all know people who have gotten ahead as a result of dishonest or unethical behavior. But like the old saying goes, "Hope of dishonest gain is the beginning of loss." I don't think it’s refering to loss of money. I think it actually means loss of self-respect. You can have all the material things in the world, but if you've lost respect for yourself, what do you really have? The only way to ever attain success and enjoy it is to achieve it honestly with pride in what you've done.

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, July 9, 2017

How to Keep Yourself Encouraged
Written by Jim Rohn

Have faith in yourself and your ability to figure out what works and what doesn’t.

Here is a familiar scenario for all of us: You have an exciting goal in mind, you’ve done your homework, you think you’re amply prepared… and things just don’t work out. You’ve probably had times when you thought you were doing what you were supposed to do, but you were misinformed. You thought you had it all laid out, and it just didn’t work. You burned the midnight oil day after day, and it didn’t help. You couldn’t seem to change the end result.

These are times when you have to be your own best cheerleader. There are two ways to keep yourself encouraged.

1. Take responsibility for the missed opportunity or the misrepresentation.
Learn from the fact that though you made the best presentation possible, your client wanted it a different way. Be prepared for the letdowns that happen every so often. Know that this lost opportunity just sets you up to take advantage of the next one. Realize that you can make the necessary alterations next time. Make the changes that will make the difference. Study your mistakes, and learn from them. Instead of dwelling on your mistakes, simply acknowledge them. Remind yourself that you’re smarter than your bank account leads you to believe.

2. Remind yourself that you’re bound to get better.
Don’t get down on yourself. Don’t beat yourself up. It’s the next opportunity that matters, not the last one. The last one matters only in that you must learn from it, but the next one gives you the opportunity to show that you have learned from your mistakes. You can do it better next time. You just have to practice. Keep trying until you’ve got it down pat.

If you’ve figured out what went wrong last time, then you know how to make it right next time. If you’ve figured out what it was in your presentation that didn’t work, don’t say those same words next time. If you’ve figured out that the reason you didn’t close the deal this time was because you didn’t have all the facts and figures in place, have all the facts and figures in place next time. Don’t beat yourself up for messing up. Pat yourself on the back for figuring it out.

You need to encourage yourself. You need to pump yourself up. You need to be your own cheerleader. Why? Because you can’t wait and hope that someone else will come along and cheer you up. You have to rely on yourself. You have to have faith in yourself and your ability to figure out what works and what doesn’t.

You’ll have to encourage yourself with future successes. When you miss an opportunity, are unprepared for an opportunity or suffer a setback while realizing your goals, you need to encourage yourself by immediately getting back into line.

There’s an old cowboy saying that goes, “Fall off a horse seven times, and you’re a real cowboy.” If you fall off a horse, get right back on. If you fall off track, get right back on. If you fall away from your disciplines, get right back to them. If you fall out of habit, get right back into it.

It might be hard. It might be a bit frightening. But get back on the horse. Keep your resolve alive, active and well. Cheer yourself on to victory.

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.

Saturday, July 1, 2017

What's Your Perspective About Work?

Our perspective determines our destiny

We see the world, not as it is, but as we are – or, as we are conditioned to see it. ~ Stephen Covey

Most of us will spend 40 years or more working 40, 50, 60 hours a week at a job. Since we are going to commit so much of our lives to our work, doesn't it make sense to determine our perspective about that work?

If we are going to spend a lifetime working then …

  • Why not spend a lifetime working with people you like?
  • Why not spend a lifetime working where there is unlimited advancement?
  • Why not work in a positive environment?
  • Why not work with unlimited income potential?
  • Why not work where you control your future?
  • Why not work where the rewards are based on your results?
  • Why not work with freedom and flexibility?
  • Why not work with as an opportunity to create a passive income?
  • Why not work to build your own business that offers residual income?
  • Why not work where there is positive recognition?
  • Why not work with self-motivated people?
  • Why not work in a challenging and fun environment?
  • Why not work to create a residual income?
  • Why not work with unlimited expansion?
  • Why not work to build a business so you don’t have to work at some point?
  • Why not work to build a life of significance doing something important?
  • Why not work to build a generational money machine?
  • Why not work where you build your family legacy instead of the owner’s family legacy?

See, here’s the question: Whose children are going to benefit from your lifetime of working? Are your children going to benefit, and your grandchildren going to benefit, or are the owners of the business children going to benefit?

What is your perspective about work?

We are going to spend a lifetime working, so why not work at doing something that leaves a legacy for our families, where we can make a difference, where we can do something great?

Perspective determines your destiny and you've got to fight for your destiny!

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, June 25, 2017

The Importance of Mindset, Meditation & Mastermind
Written by Jack Canfield

I attribute much of my success to the importance of mindset, meditation, and masterminding. They have contributed much to my life and you too can enjoy their benefits as well with a little effort.

Changing your mindset and the way you think about the world around you will open you up to new possibilities happening all around you. Meditation will help increase your self-confidence and expand your awareness among many other things. Masterminding will help hold you accountable for your own personal growth and development.

1. Mindset: The Importance of Mindset
Study after study has shown that the mind is an extremely powerful instrument. Things most people thought was impossible were later achieved by scientists, athletes, businesspeople and everyday individuals, simply because they believed they could and they persevered.

You may have heard the famous quote from Napoleon Hill – author of the classic personal development book, Think and Grow Rich – who said:

“Whatever the mind can conceive and believe, it can achieve.”

That belief, by the way is a choice. It’s simply a thought you decide to think over and over again until it becomes automatic.

Scientists know that our belief about whether something is possible is a byproduct of our life experience. Through a lifetime’s worth of events, our brain actually learns what to expect next. Since our brain expects things to happen a certain way, we often achieve exactly what we expect.

This is why it’s so important to have a believing mindset. Believe it’s possible to achieve something in your life and things will often turn out exactly as you believe they will.

Of course, there’s a negative aspect of belief. Believe that failure or disaster will befall you – and guess what… it usually will.

Positive AND negative outcomes are why it’s so important to hold positive expectations in your mind.

When you replace your negative expectations with positive ones and begin to believe that what you want is possible, your brain will take over the job of accomplishing it for you.

2. Meditation: A Powerful Success Tool
I regularly participate in multi-day meditation retreats. I always like to take a couple of weeks a year to spend in stillness and silence. It helps me to relax, de-stress, go deeper into my essential self and open myself to the inner guidance that I receive during these times. Once I catch up on my sleep after the first two days and enter into a deep state of peace, the insights, ahas, and breakthrough ideas that come to me are usually very profound and useful in my daily life and work.

The title for Chicken Soup for the Soul®, which has become a brand worth hundreds of millions of dollars, came to me after three days of meditation.

The idea for creating the Chicken Soup for the Women’s Soul book came to Marci Shimoff, who became the coauthor for that book, came to her during a silent meditation retreat. That book was the catalyst for all of the other more than two hundred targeted Chicken Soup books that followed.

Another reason I attend meditation retreats regularly is that I drop into a deep space of unconditional love for myself, my wife, the fellow participants at the retreat, and for people outside the retreat—my family, friends, staff, students and humanity in general. Living in this state of unconditional love and acceptance is one of the most fulfilling experiences life has to offer.

Guided Meditations and Visualizations When I lead meditations at my training events, I use a process called guided meditation. I help my attendees meditate in a deeply relaxed state. They visualize the images, scenery and emotions they’ll experience once they’ve achieved the lifestyle they dream about.

Meditation and visualization has been repeatedly proven to:
  • Enhance self-esteem
  • Expand awareness
  • Increase memory
  • Facilitate optimal performance
  • Evoke a more positive attitude
  • Accelerate the learning of difficult subject matter.

In one of the most well-known studies on creative visualization in sports Ohio State University divided 15 basketball players into three groups of five players each. They tested each student to establish their average free-throw percentage. They asked:
  • Group 1 to practice shooting free-throws everyday for 30 minutes.
  • Group 2 to not touch a basketball for 30 days.
  • Group 3 to not touch a basketball for 30 days, but instead visualize shooting free-throws and to see each shot going into the basket perfectly.

At the end of the study they had the players shoot free-throws and compare their results.
  • Group 1, which had practiced 30 minutes a day, showed a 24% improvement.
  • Group 2, which had not touched a basketball for 30 days, showed no improvement which is not surprising.
  • But Group 3, which had only visualized shooting perfect free-throws, showed a 23% improvement without any practice.

The body literally cannot tell the difference between a real event and a vividly imagined event.

The point is that you can literally build skills, improve performance and actually program yourself to do the things necessary, see the opportunities available, and create the ideas necessary to achieve the goals you want.

3. Mastermind: The Power of a Mastermind Group
And the final success strategy is one of the most powerful tools ever used by successful people. Whether it's the world’s richest people from the early 20th Century or today’s modern icons of business. It’s called the mastermind group.

Napoleon Hill first talked about mastermind groups in his book Think and Grow Rich. It’s the one concept people most reference when they credit any one thing with helping them become a millionaire.

Andrew Carnegie had a mastermind group. So did Henry Ford. Ford would mastermind with brilliant thinkers like Thomas Edison, Harvey Firestone and others in a group they held at their winter mansions in Coral Gables, Florida.

Mastermind Groups Focus a Special Energy
They knew, as millions of others have discovered since, that a mastermind group can focus special energy on your effort, in the form of knowledge, resources and spiritual energy, too. While you must always do the work of becoming a great success, a mastermind group can harness and maximize the spiritual focus behind your success.

It’s this spiritual aspect that Napoleon Hill wrote about extensively. In fact, he said that if we are in tune with the mastermind—that is, God, the Universal Power or whatever term you use for the all-powerful life force, we have significantly more positive energy available to us. We can focus this power on our success.

In short, “mastermind” is both that power coming to us from above—from the God force—but also that power which comes to us from each other. Together, we know more and can focus more energy than any one of us can alone.

Assemble Your Own Mastermind
To assemble a mastermind group, choose people who are already where you’d like to be in your life, or who are at least one level above you.

If your goal is to become a millionaire, you won’t get much help if everyone in your mastermind group is making only $60,000 a year.

Of course, you might ask, “Why would anyone want to be in a mastermind group with me if I’m only making $60,000 a year?”

The answer is that you’re the one putting the group together. You’re the one providing the arena. You're organizing, supporting and building a forum for other people’s growth.

The truth is many people at a higher level will want to become involved simply because they then get to play at a game they might never organize for themselves.

The other people you’re going to invite are people they would like to be around, too. So make a list of ideal candidates and start asking.

If your goals center on a specific subject like starting a new business or investing money, you might start a mastermind group centered on entrepreneurship or investments.

You can always launch a general mastermind group plus a second mastermind group centered on a certain topic area where you invite people from the same field.

The ideal size of a mastermind group is 5-6 people. If it is too much smaller, it loses its dynamics. If it's bigger, it becomes unwieldy, meetings take longer, some needs go unmet and personal sharing is minimized.

Take Action and Start a Mastermind
Is starting or joining a mastermind group something you’d like to try?

Think about 5-6 people that you know who may want to start a mastermind with you. Think of people who are already where you want to be in your life. Ask them about joining and soon, you too could be assembled with people who are at the top of their game and who are eager to help you improve, too.

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/.

Tuesday, June 13, 2017

Three Must-Have Legal Documents

Most Americans don’t have wills. If you’re among this majority, it may concern you that if you were to die, the state could end up making some pretty hefty decisions on your behalf. They could be the final decision-makers on what happens to any of your left-behind children and they could also wind up being the distributors of all of your left-behind possessions and financial assets.


As well as needing a will, if you really don’t want a stranger making any of those important choices for you, it is extremely imperative that you also obtain these three important legal documents:

1. Durable Power of Attorney for Health Care. Also known as an advance directive or health care proxy, this lets you identify who will make medical decisions for you if you cannot.

2. Durable Power of Attorney for Finances. This designates who will handle money decisions for you.

3. Living Will. This tells doctors (and your family) exactly what type of care you do or do not want to receive if you are terminally ill and incapacitated. (Some states combine #1 and #3 into one form).

So, don’t leave such important matters to someone you don’t know and give yourself (and your family) some peace of mind.

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, June 11, 2017

How to Show Appreciation to Others
Written by Jack Canfield

Learning how to show appreciation daily for everything is one of the highest emotional states you can experience. 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 appreciation for what we’ve already received and achieved.

"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

When you make being grateful a habit, you’ll 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, being grateful will naturally attract more into your life that you can be grateful for. When you learn how to show appreciation, it’s a never ending cycle of positivity!

We do dozens of things every day on autopilot, such as eating our meals, taking showers, or doing the dishes. We don’t have to spend time visualizing these activities or putting them on our to-do lists. We simply do them out of habit. Playing The Appreciation Game on a daily basis is a great mindfulness training and will help you turn gratitude into a daily habit, so you can attract more joy and abundance into your life all year long.

How to Show Appreciation Daily
1. Set a time every day
First, 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.

2. Appreciate everything you encounter
Second, 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.

3. Look for the good in every situation
Third, 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 learned how to stay focused on her gratitude for suffering only minor injuries and for the help she received from other drivers.

Remember, new habits take 30 to 60 days to lock in.

Show Appreciation at Least 10 Times a Day
Express your appreciation to at least 10 people a day, both individuals you know intimately, as well as virtual strangers who touch your life. Experiment with the different forms of appreciation and observe how much more deeply your appreciation is received when you find the right way to deliver it for each individual. Then keep track of everything you’ve appreciated on your scorecard.

I don’t go to bed without achieving my daily appreciation quota. I appreciate my wife and children, write letters to my mother or stepfather, or email my staff. Do this every day for 6 months or until you no longer needed the card as a reminder.

As you build the habit of appreciation, it helps to expand the circle of people whom you appreciate. Think bigger. Our society flourishes because of connections. We literally couldn’t survive without other people.

Nobody pumps their own petroleum, turns it into gas, and trucks it into their own town. Other people do it. The food we eat probably has 30 to 40 people involved in it before it gets to our tables. Although they may be strangers, the people who serve us by doing their part in making our society function deserve our thanks, too.

Try it for Yourself
Grab an index card, a journal, or keep a note in your phone to start writing down at least 10 things you appreciate daily for the next 30 days. It may not feel natural at first to focus on appreciating what you already have, especially when you're first learning how to show appreciation.

But by faithfully practicing The Appreciation Game, 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, June 4, 2017

You Don’t Have to Love What You Do...
Written by Jim Rohn

...but you have to love the opportunity.

You have to love what you do, that’s what people say. But that's not necessarily true. What is true is that you have to love the opportunity—the opportunity to build life, future, health, success and fortune. Knocking on someone’s door may not be something you love to do, but you love the opportunity of what might be behind it.

A guy says, "I'm digging ditches. Should I love digging ditches?" The answer? No, you don't have to love digging ditches, but if it is your first entry onto the ladder of success, you should be thinking, I'm glad somebody gave me the opportunity to dig ditches, and I'm going to do it so well, I won't be here long.

You can be inspired by just having found something, even though you are making mistakes in the beginning and even though it is not ideal, taking on a new discipline that you haven't learned yet. You don't have to love it, you just have to learn to appreciate the opportunity—and the person who believed in you before you believed in yourself, the person who brought you the good news, who found you.

If you will embrace the disciplines associated with the new opportunity, you will soon find that your self-confidence starts to grow, that you go from being a skeptic to being a believer. And, soon, when you start talking to people, you will find it to be the most thrilling opportunity in the world. Every person you meet, what could they be to you? It’s unlimited! Maybe a friend for life, an open door to retiring, a colleague for years to come. This is big, and sometimes, in the beginning when we are just getting started, we don't always see how big it really is.

So before you are tempted to give up or get discouraged, remember that all success is based on long-term commitment, faith, discipline, attitude and a few stepping stones along the way. You might not like the stone you are on right now, but it's sure to be one of the stones that leads to great opportunities in the 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, May 28, 2017

5 Things To Do in Your Morning Routine
Written by Jack Canfield

The way you start your day from the moment you wake up sets the precedence for how the rest of your day, and ultimately how the rest of your life, will go. This is because creating a morning routine is a healthy habit that benefits both the body and mind.

Sometimes it is difficult to have a positive attitude first thing in the morning. Especially when you have a hectic day before you. It is easy to slip into a worried mindset when considering your to-do list.

For this reason, I have come up with five tips to help you spruce up your morning routine and cut the negativity.

1. Eliminate Negative Thoughts
The first thing you should absolutely eliminate is your negative thoughts.

You should eliminate them from your life entirely, but again, it’s best to nip this in the bud at the start of your day. They’re not going to get you to where you want to go.

Instead, always look for a better feeling thought.

Become a “Vibrational Match” for the Things You Want
Everything on Earth vibrates at a specific frequency, and you must become a “vibrational match” for the things you want.

Think of yourself as a radio station. If you want to listen to jazz, you have to tune your dial to a jazz station, not a heavy metal one. Likewise, tuning your thoughts and feelings to a positive frequency will bring you positive things.

2. Don’t Think About What Could Go Wrong
Do not immediately think about what could go wrong with the things you have to do for the day.meditation-guide

Don't dread having to find a parking space or think about being late to your appointment.

Instead, I want you to close your eyes for a few moments every morning. Visualize your day going exactly the way you want it to go.

You’re going to find a parking spot. You’re going to make your appointment. Your meeting is going to go well. You are going to make that sale and you are going to finish that project.

Every single thing is going to go exactly the way you want it to.

This is what I call "intending the day."

3. Start Your Morning Routine With a Purpose
The third thing you shouldn’t do in your morning routine is start without a purpose.

What is your bigger purpose?

Know why you get out of bed in the first place.

So after visualizing your day, visualize your bigger, long-term goals coming true. And take a few moments to say your affirmations, too.

Describe Your Goals in a Completed State
Try statements that describe your goals in their already completed state. Things like, “I am celebrating feeling light and alive at my perfect body weight of 135.”

I keep each of my goals and affirmations handwritten on a 3x5 index card. I read them after I wake up in the morning and before I go to sleep at night. Doing this consistently will activate your subconscious mind’s power to fulfill the achievement of your goals.

Your subconscious will look out for anything — people, opportunities, activities, and events — that can help you achieve your goal.

4. Remember to be Grateful
Next, remember to be grateful.

It’s easy to get up, jump right into working on getting things done, and take for granted the things that brought you to this moment. Take a few minutes to write down what you’re grateful for, that’s what I do every day.

I promise you that this simple technique will work miracles in your life.

A state of appreciation and gratitude puts you in one of the highest emotional states possible.

Remember, the Law of Attraction states like energy attracts like energy.

Our thoughts are made up of energy. If you think that way, you’ll attract more abundance, which will give you more to be thankful for.

5. If You Get Inspiration, Act Immediately
The fifth and final thing you should not do in your morning routine is ignoring your inspired actions.

If you get an inspiration to do something...

Act on it immediately.

As opposed to “obvious actions,” like changing your diet if you want to lose weight, “inspired actions” are more intuitive. Like a hunch or gut feeling.

You know, those random thoughts you have? Things like “I don’t know why, but I have this urge to call my college roommate” or “I have a strong feeling that I should attend that event tonight."

You may be presented with an opportunity you would never have imagined by taking that action.

Listen to Your Gut
Most of the time you won’t see the whole plan, but if you get an inspiration, act on it!

Don’t put it off or let it go. Pick up the phone and make the call, go down to the coffee shop, or go to the event that you thought of.

I remember being at a conference in Connecticut with my wife. I felt attracted to go to a session on doubling your income. My wife questioned my decision because service, not money, had always been my primary motivator in life.

I told her I didn’t know why, but I felt compelled to go it. When I arrived at the session, I sat down next to a woman and introduced myself. It turned out she was a veterinarian, and she had just discovered a cure for feline leukemia.

My cat had recently been diagnosed with feline leukemia. Because I had followed my inspiration to go that session, my cat went on to live many more years.

See a Positive Difference in Your Day and Your Life
I’m going to leave you with a homework assignment. Eliminate at least one of these 5 things from your morning routine and replace them with their opposite. Positive thoughts are greater than negative thoughts.

Remember to visualize your day going well instead of badly. Focus on your larger purpose and your long term goals. Take a few moments to focus on what you are grateful for. Act on your inspirations.

If you do, I guarantee you’re going to see a dramatic, positive difference in how the rest of your day, and your life, plays out.

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/.

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.