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:

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

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.