The Mindset Pendulum – Post 418

On today’s podcast I want to talk about the “Mindset Pendulum.” What goes on inside your brain as you embark on the financial peace and prosperity journey. Once you have an understanding of what’s going on in the 6 inches between your ears then you have a better chance of recognizing how your thoughts affect your success and you will be better equipped with ways to change what Zig Zigglar refers to as “Stinkin’ Thinkin’.” You will be able to stop the stinking thinking and get yourself back on track.

In your brain there is this pendulum swinging back and forth. When you start this journey you have attitudes, opinions and beliefs. All of us. We have opinions about everything. We have opinions about things we don’t need to have opinions on. We have attitudes which are stronger. Strong feeling about things. And we have beliefs.

We are made up of opinions, attitudes, and beliefs.

When you start this journey you usually have a neutral or negative opinion. What happens, in our mind, we get a little bit of information. Maybe we go to a financial peace university class or we see a video podcast or webinar by Dave Ramsey or one of his associates and our opinion changes to somewhat positive. And when that opinion changes from neutral or negative to positive then we say, “What’s the worst thing that can happen? What’s my risk, what’s my reward? I’m doing this.”

That’s what happens. Then we go into the world and somebody says, “You can’t live without credit, you’ll never buy a home or a car” . . . Then what happens to that opinion?

It goes back to negative. Then we hear callers give the “Debt Free Scream” and are all fired up and our pendulum swings back to excitement.

Then you get on facebook and you see all the posts from your so called friends about their exotic vacations and the luxury car or boat that they bought while you are on a “beans and rice” diet getting out of debt and your pendulum swings back to the negitive.

This thing swings daily in the beginning. Your pendulum is going to swing. It’s normal.

Sometime we think we’re going crazy because we’re up and down about it. Because we are all made up of opinions, attitudes and beliefs. If you just hang in there eventually your opinion will become an attitude. And it’s stronger. Then over time the attitude becomes a belief.

That is in anything we do in life. Not just on the financial peace journey but in business as well. We get involved in whatever we make a commitment to and think we don’t like this swinging back and forth in our mind so we think something is wrong. Sometimes they’re excited and sometimes we want to puke. Its just the way people are and most people can’t get through this because they don’t understand what is really going on in their mind..

Listen to my podcasts or watch my video blogs. Catch Dave Ramsey or one of his team members on the radio or over the internet. Stay plugged into folks that are on the same journey as you and folks that have gone there before. It will calm your pendulum down.

We all go through it.

So you have to understand your pendulum will swing. But if you continue and stay on the right track, it will get to a point where it just doesn’t swing as bad, and eventually just doesn’t swing any more. Stay plugged in and when you get to a point, it just doesn’t matter any more.

You’ve got this!

Now is the best time to start taking control of your money! I’ll be covering many topics to teach and encourage saving and debt freedom. Be sure to subscribe to this blog at ProsperityRx.com to learn how to save money, make a budget, pay off your debt, reduce your taxes and invest for your future.

And if you found value in the information that I’m providing please like and share this with others

Also if you want to learn more about how to create extra income by starting a home business that requires no startup capital, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions visit http://AIMHighForSuccess.com.

You’ve made the decision to get out of debt, now what? – Post 417

anchorYou’ve Made the Decision to get Out of Debt, Now What?

Congratulations!

You’ve made the decision to get out of debt.

So now what?

Some people never get beyond this point because they don’t know where to start. The big picture is overwhelming, so people often quit before they ever write the first check to pay off a debt. But you don’t have to worry, because you’re about to discover the first step toward saying goodbye to debt!

Before you learn this secret, you need to be forewarned: This step may surprise you. It will seem like the wrong thing to do. You won’t guess it offhand because most people don’t think it has anything to do with getting out of debt. Are you ready?

The first step is this: Save $1,000 as fast as you can.

You weren’t expecting that, were you? Why would anyone put money in a savings account instead of using it to pay off debt?

Because life happens.

Think of your emergency fund as a safety net. Saving first allows you to get in the mind-set of being in control of your money. It forces you to make a change. Saving money can actually become addicting once you see you can do it!

We don’t know when a storm will come our way, but we know rainy days do come eventually. Your air conditioner breaks in the middle of July. Your car has a busted transmission. Your kid breaks their arm at baseball practice. Surprises like these are a part of life. But if you have $1,000 in an emergency fund, you won’t have to go deeper into debt when the inevitable comes your way.

Jump-Start Your Savings Fund

If you’re serious about getting out of debt, work as hard as you can to put away $1,000 quickly. Here are a few ideas!

Make a budget.

Zero-based budgeting is essential to your financial success. Your budget is the key to saving your $1,000 emergency fund. It will show you where you’re overspending and where you can cut back to save instantly. But if you don’t make a monthly budget, you’ll never know how many different areas you could be saving in.

Scale the grocery budget way back.

We know it might sound impossible, but it is doable! Make a shopping list and stick to it. Stop purchasing “wants” and only purchase necessary items. If you cave in to impulse purchases when walking down the aisles, consider doing curbside grocery pickup. Switch to store-brand products. Challenge yourself to get creative and only cook with the items left in your pantry. Make slow cooker meals and see how far they’ll help you stretch your groceries throughout the week.

Purge the house.

Sell the mysterious items in the attic and the clothing you didn’t even know was lurking in your closet. Get rid of the high-priced jewelry you bought to keep up with the Joneses. Sell the boat. Sell the car. Look for social groups or websites like facebook marketplace and Craigslist to sell everything you’re not using. After all, one person’s trash is another person’s treasure.

Find ways to bring in extra cash.

Are you a great photographer? Can you knit masterpiece blankets in no time? Now is the time to use your hobbies or skills to generate extra income. Look for opportunities to work overtime.

If your job doesn’t give you that option, consider finding an extra gig to take on during weeknights or the weekend. Sure, it might not be glamorous delivering pizzas or stocking canned goods at the grocery store—but then again, swimming in debt isn’t too glamorous either.

I’ve had side gig incomes for years. I can show you how you can build a side gig business which will generate additional income for you and at the same time help you save considerably on your income taxes. I can show the side gig that I’m doing that doesn’t require a financial investment investment to get started. None of these pyramids where you have to spend money on monthly autoshipments that cost you money each month instead of creating money. No selling lotions, potions or pills, no magic juice or magic diet aids that claim to cause you to loose inches in days or other such nonsense that you see all over social media. Stay tuned to the end and I will share with you how to get more information.

Decide what you can live without.

Are you ready for some 21st century sacrifice? Go through your bills and cancel any needless memberships and subscription services. Wave goodbye to that unused gym membership and monthly magazines you never read! Maybe it’s time to ditch the cable (and even Netflix) and get to know your DVD collection once again.

Look at it this way: If you’re working an extra job, do you even have time for binge-watching numerous TV shows? A little bit of sacrifice for a period of time can add up to extra cash in your pocket pretty quickly!

Once you’ve reached the magic number, take your money to the bank. Don’t keep it at home—you’ll use it because it’s there! You’d be amazed at how easy it is to justify an “emergency” when you forget to get cash for a field trip, the pizza driver needs a tip, or your co-workers are pooling money for a farewell gift. Instead of tempting yourself with cash on hand, open a savings account separate from your regular checking account. Put your $1,000 in it and leave it alone. Don’t touch it. It’s for emergencies.(Oh, and a clearance sale at your favorite store is not an emergency.)

You Can Do It

A safety net for the unexpected isn’t the only plus in starting your emergency fund. This first step also gives you confidence, a feeling of accomplishment, and a sense of control. This step proves you can save money. You can control your behavior. You’ve discovered the power of intense focus and determination. Now keep using those skills to tackle the next step—getting rid of your debt.

You’ve got this!

Now is the best time to start taking control of your money! I’ll be covering many topics to teach and encourage saving and debt freedom. Be sure to subscribe to this podcast and my blog at ProsperityRx.com to learn how to save money, make a budget, pay off your debt, reduce your taxes and invest for your future.

And if you found value in the information that I’m providing please like and share this with others

Also if you want to learn more about how to create extra income by starting a home business that requires no startup capital, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions visit http://AIMHighForSuccess.com.

Jim Rohn Once Said:

In the process of living, the winds of circumstances blow on us all in an unending flow that touches each of our lives.…

What guides us to different destinations in life is determined by the way we have chosen to set our sail. The way that each of us thinks makes the major difference in where each of us arrive. The major difference is the set of the sail.

The same circumstances happen to us all. We have disappointments and challenges. We all have reversals and those moments when, in spite of our best plans and efforts, things just seem to fall apart.…In the final analysis, it is not what happens that determines the quality of our lives, it is what we choose to do when we have struggled to set the sail and then discover, after all of our efforts, that the wind has changed directions.

When the winds change, we must change. We must struggle to our feet once more and reset the sail in the manner that will steer us toward the destination of our own deliberate choosing. The set of the sail, how we think and how we respond, has a far greater capacity to destroy our lives than any challenges we face. How quickly and responsibly we react to adversity is far more important than the adversity itself. Once we discipline ourselves to understand this, we will finally and willingly conclude that the great challenge of life is to control the process of our thinking.

Learning to reset the sail with the changing winds rather than permitting ourselves to be blown in a direction we did not purposely choose requires the development of a whole new discipline. It involves going to work on establishing a powerful, personal philosophy that will help to influence in a positive way all that we do and that we think and decide. If we can succeed in this worthy endeavor, the result will be a change in the course of our income, lifestyle and relationships, and in how we feel about the things of value as well as the times of challenge. If we can alter the way we perceive, judge and decide upon the main issues of life, then we can dramatically change our lives.

Set your sail for prosperity, get out of debt, create additional streams of income, and life life to its fullest. That is your prescriotion for prosperity.

Start Today!

 

7 Baby Steps to Prosperity – Post 416

anchor

Episode 9 – 7 Baby Steps to Prosperity

I am a huge fan of Dave Ramsey’s baby steps from his book, The Total Money Makeover. It was the baby steps that helped us get rid of $140,000 in consumer and student loan debt, and we are not the only ones. Millions of people have taken his course and followed his baby steps as well, so you can be confident that if you follow these steps, you will build a strong financial foundation for you and your family. A foundation that will lead to peace and prosperity.

Today we’re going to go over each step briefly and explain how they are so important to accelerating your path to peace and prosperity, financial independence.

Let me just list what the baby steps are and then I will give a short explanation of each.
Baby Step 1 – $1,000 in an Emergency Fund
Baby Step 2 – Pay off all non-mortgage debt using the Debt Snowball
Baby Step 3 – 3 to 6 months of expenses in savings
Baby Step 4 – Invest 15% of household income into Roth IRAs and pre-tax retirement
Baby Step 5 – Funding College for children
Baby Step 6 – Pay off your home early
Baby Step 7 – Build wealth and give a bunch away

To help you figure out where you are in the process here is a breakdown of what each baby step entails.

Step 1. Save $1,000
This is a starter emergency fund. It might seem silly to sock a grand in the bank when you could be putting that money toward reducing debt, but here’s the logic behind this first baby step:

Unexpected expenses happen to everyone, and for some reason they often tend to happen more when you’ve just committed to getting out of debt. In order to avoid being tempted to use your credit cards to handle these unexpected costs and rack up more debt, save a quick $1,000 and put it aside as a buffer for those emergencies that will happen.

If in the course of paying off your debt, you have to use some of the money in your starter emergency fund, you simply stop paying extra on your debt and put any extra money into your starter emergency fund until it reaches $1,000 again. This step will help ensure that your credit card balances continue to go down and not up.

The starter emergency fund also serves as training ground for both paying for emergencies in cash and for developing a habit of saving money.

Step 2. The Debt Snowball
As a math geek I understand that paying off debts according to the highest interest rate first will save money in the long run, but the debt snowball is often a better choice when it comes to keeping you motivated for the long journey of becoming debt free.

With the debt snowball method, you start by listing your debts from smallest to largest. You make the minimum payment on all debts, putting any extra funds toward the smallest debt until it’s paid in full.

Then, you take the minimum payment you were paying on the smallest debt, the minimum payment on the next biggest debt, plus any extra funds, and put that money toward the next biggest debt until it too is paid off.

This method of keeping your total monthly minimum payments the same and then adding any extra funds toward your current smallest debt means that you will pay off your debt at a faster rate than you have been up to this point.

Being able to mark those smaller debts as “Paid in Full” more quickly will give you more motivation and faith that you really can win the battle against debt.

Step 3. Finish the Emergency Fund
Once you have paid off all your debt except for your house the next step is to increase your emergency fund until it contains 3 to 6 months’ worth of expenses for your household. To get this emergency fund built as quickly as possible is to take all of the monies that you were putting toward your debt snowball, which should now be paid off, and put it toward finishing your emergency fund.

A 3 to 6 month emergency fund will keep you and your family well buffered against major financial emergencies such as job layoffs and large unexpected expenses such as major home repairs.

Developing a habit of saving BIG money will make it easier for you to develop a habit of putting money into a separate fund for expected major expenses like I did to pay cash for my daughters wedding.

Step 4. Maximize Retirement Investing
After the consumer debt is gone and the emergency fund is fully funded, Ramsey suggests maxing out your retirement investing.

For 2018 this means contributing up to the legal maximum allowed by the IRS of $18,500 a year for 401(k)’s and $5,500 a year for IRAs (Ramsey suggests 15% of your income). Those 50 and over can contribute an additional $6,000 to their 401(k) and an additional $1,000 to their IRA holdings.

By maxing out your retirement investing based on your retirement funding goals, you are ensuring that your golden years will be secure and comfortable.

Step 5. Prepare the Kids’ College Funds
One of the things I like about the college section of the Total Money Makeover book is that Ramsey is clear that college is not a guaranteed career success for your kids. He goes into great detail about how important it is to calculate the cost vs. the benefit of college before you go sending your kid out to spend $25,000 a year on schooling.

It’s important during this step to talk with your spouse about how much money you can comfortably set aside for your child (ren)’s education.

The dollar amount is totally up to you. Just be sure you research the different college saving options and make sure that what you’re planning on contributing to your kids’ college educations is affordable for your family – and make your plan clear to your kids so they know exactly what to expect from you where college education help is concerned.

Step 6. Pay off the Home Mortgage
After you’ve paid off all consumer debt, have a fully funded emergency fund, are contributing at least 15 percent of your income toward retirement, and have a plan for contributing to your kids’ college educations, it’s time to dump the mortgage.

Put all extra funds (based on having created a solid budget) toward that mortgage and get it paid off in full as soon as possible. The less interest you pay to the bank, the more money you have available to give to worthy causes and to fulfill your dreams, whatever those dreams may be.

Stpe 7. Build Wealth and Give a Bunch Away
Here’s arguably the best step! Now that you owe no money to anyone and have a nice stockpile of savings, it’s time to start building some serious wealth.

That wealth-building can come in a variety of forms. You can invest in mutual funds, invest in real estate or simply sock the money away in a high-interest earning bank.

The goal is to put as much money as possible toward whatever your financial goals are, whether that means traveling the world, building your dream home or living life as a philanthropist.

Once you are completely debt free and have amassed a serious amount of wealth, the world is your oyster and your dreams are unlimited. So start working the baby steps in your life today, and work toward achieving all of your dreams

Now is the best time to start taking control of your money! I’ll be covering many topics to teach and encourage saving and debt freedom. Be sure to subscribe to this podcast and my blog at ProsperityRx.com to learn how to save money, make a budget, pay off your debt, reduce your taxes and invest for your future.

And if you found value in the information that I’m providing please like and share this with others

Also if you want to learn more about how to create extra income by starting a home business that requires no startup capital, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions visit http://AIMHighForSuccess.com.

Jim Rohn Once Said:

In the process of living, the winds of circumstances blow on us all in an unending flow that touches each of our lives.…

What guides us to different destinations in life is determined by the way we have chosen to set our sail. The way that each of us thinks makes the major difference in where each of us arrive. The major difference is the set of the sail.

The same circumstances happen to us all. We have disappointments and challenges. We all have reversals and those moments when, in spite of our best plans and efforts, things just seem to fall apart.…In the final analysis, it is not what happens that determines the quality of our lives, it is what we choose to do when we have struggled to set the sail and then discover, after all of our efforts, that the wind has changed directions.

When the winds change, we must change. We must struggle to our feet once more and reset the sail in the manner that will steer us toward the destination of our own deliberate choosing. The set of the sail, how we think and how we respond, has a far greater capacity to destroy our lives than any challenges we face. How quickly and responsibly we react to adversity is far more important than the adversity itself. Once we discipline ourselves to understand this, we will finally and willingly conclude that the great challenge of life is to control the process of our thinking.

Learning to reset the sail with the changing winds rather than permitting ourselves to be blown in a direction we did not purposely choose requires the development of a whole new discipline. It involves going to work on establishing a powerful, personal philosophy that will help to influence in a positive way all that we do and that we think and decide. If we can succeed in this worthy endeavor, the result will be a change in the course of our income, lifestyle and relationships, and in how we feel about the things of value as well as the times of challenge. If we can alter the way we perceive, judge and decide upon the main issues of life, then we can dramatically change our lives.

Set your sail for prosperity, get out of debt, create additional streams of income, and live life to its fullest. That is your prescription for prosperity.

Start Today!

Seek Clarity – Post 407

Most of us have the desire to either improve or we have a need or challenge in one or more areas in our life. My goal for this blog going forward is to bring valuable information on topics such as time management, money, faith or belief, developing new skills and habits, leadership development, health and wellness, and building better relationships.

Successful people are always the first to act on their desire to continually grow in all areas of their life. So on this blog I’ll be covering topics such as High Performance Habits by Brendon Burchard; Goal building, journaling, and time management skills from Jim Rohn; How to achieve Financial Peace by Dave Ramsey; and many, many more topics from folks like Robert Kiyosaki, John Maxwell, Bob Beaudine, Anthony Robbins, Napoleon Hill and many others.

My goal is to empower you to grow and continually transform yourself through personal development. My invitation is for you to get on this personal development road with me and the invitation is extended to everyone, but, few will join me.

Today we will be discussing Seeking Clarity.

Brendon Burchard in his book “High Performance Habits” says that one of the first habits to reach a higher level of performance personally and professionally is to Seek Clarity. To seek clarity on who you want to be, how you want to interact with others, what YOU want, and what will bring you the greatest meaning.

I invite you to take a sneak peek at what is possible when you seek clarity. I want you to think about those rare questions that most people simply don’t ask themselves. What kind of person do I want to be? What are my intentions and objectives? What if I decide to set and reach higher goals? What if I decide to go for my dreams? What if I can change certain unpleasant things about myself? What if I can significantly make a difference in the lives of others? What can I focus on that will bring me a sense of connection and fulfillment?

It’s from these questions that a new life begins to evolve. Satisfaction in life doesn’t come from focusing on what is automatic, easy or natural for us. It is the result of how we strive consciously to meet life’s harder challenges, to grow beyond our comforts and to deliberately understand, love, serve and lead others.

Personal Development opens up a whole new world of potential and possibilities. I believe the first step in personal development is to find clarity in your life so you can develop a roadmap on how to get from here, where you are today, to where you want to be.

I’ve been a pharmacist now for many years and I have been successful at it and I have a lot to be grateful for. I’ve put my kids through private school, I’ve built my dream home, and we’ve taken nice vacations over the years. It’s just that something inside just doesn’t feel right. I have this sense of frustration and a restlessness that even though life has been good there is something more out there. That I haven’t really found my “thing.” When the lights go out, after all these years of pushing hard in pharmacy my internal chatter starts scratching at my reality and I am sure that many of you have asked yourselves these same or similar questions.

Is all of the complexity I’ve created in my life even worth it?

Is this new direction I want to pursue the right direction for my family and me at this stage of our lives?

Things are good, so if I try something new will everyone think I’m crazy? Am I just being stupid or ungrateful?

I’m stretched pretty thin. Can I really give any more right now?

Am I really good enough to play at the next level?

Why am I starting to feel so distracted?

Why do my relationships feel sort of blah?

I’ve had so much success in my life why am I not more confident at this point in my life?

When these questions go unanswered for too long, an unraveing begins. Day-to-day motivation wanes. You begin felling restrained or unfulfilled. Your passion isn’t at the level it used to be but at least everyone at home and at work is fairly happy.

Ultimately the dissatisfaction spreads into relationships at home or work and others begin to notice. The stress of disappointment imparts a hard edge that loved ones begin to feel. Contribution at work falls off. Calls don’t get returned. Excitement, joy, and confidence are gone and with them goes performance.

I have some questions for you to reflect on.

Are you ready, really ready? Are you tired of being where you are and excited to get where you want to be?

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

Will you make the commitment to read? Thin about one great book you have read and the changes it brought about in your life. Now imagine what this next year is going to do for you!

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

If personal development is whole life, then which are of your life is in the best shape? Which is the worst? Take some time to think through where you are so you can evaluate where you stand and how you are going to grow in the next year.

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

How disciplined are you? Is it something you struggle with, or is it a strength?

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

Which are you more focused on: Intake (learning, gathering information) or output (doing, taking action)? We all have a bias, so to speak. The answer to this will determine how you need to make adjustments over the coming year.

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

________________________________________________________________________

ACTION POINTS:

Any or all of these are great ideas to get you moving toward your goal.

  1. Write down three great books you have read and three great books you want to read. Now, buy one – or pull it off the shelf and start. We recommend Jim’s The Five Major Pieces to the Life Puzzle, his The Seasons of Life, and Napoleon Hill’s book, Think and Grow Rich. If you have already read these books or just have something else in mind, that’s fine. Just start the process of reading daily. We recommend reading the Bible or a book that will spiritually enhance your life in the morning and reading what is on your recommended reading list at night.
  2. Take at least one tangible action to make yourself stronger in the following area that you are weakest in: Physical, Spiritual or Mental. For example, if you are weakest in the physical area, then walk a mile three times this week.
  3. Take an area you lack discipline in and set up a pattern for yourself to follow this week and then do it!
  4. Celebrate the fact that you have accepted the invitation to go on the journey of self-growth and personal development. Regardless of the challenges you may be facing, today is a new day, the beginning of infinite possibilities. As Jim said, “You cannot change your destination overnight, but you can change your direction.” Congratulations on taking that step.

Conversation Controlling Power Phrases – Post 406

Have you ever had the problem of how to transition a conversation in a way that you get permission to talk about what you can do to help?

When you are having a conversation with someone and you have uncovered a problem there is an easy way to transition to your solution. Here are a couple of quick phrases that you can use that allows you to get their permission and then to prepare the individual to mentally say “yes I want to hear what you have to say.”

Here is the first approach, they are talking about their problem and you are listening to them, here is what you say,

  • “I was thinking about what you were saying just a few minutes ago about your problem with……. It occurred to me that there might be a way to turn that around if you were interested in resolving it.”

Think about the power of that simple statement. You can reference any conversation whether it was today, last week, on Facebook, in an e-mail, wherever they made the statement, by using this simple phrase. No matter what the problem, health, energy, bills, etc. this phrase is powerful.

I was thinking about what you said last week about ……….. It occurred to me that there might be a way to turn that around if you were interested in resolving it.

Do you realize the power in that phrase, if you were interested in resolving it? What are they going to say, “No I like misery” or “no I like being broke.” There is no way that you are not going to get a positive answer from them.

It occurred to me that there might be a way to turn that around if you were interested in resolving…

What if they did respond with some negative response? “I’ve lived with it for so long I know there is no way to fix it.”

You respond with the magic word, WHY.

Why do you feel that way or why have you given up, or if there was something out there that might help you whywouldn’t you want to know how …?

Once they respond indicating that they want to hear what you say then you can proceed.

Another version that can be used in place of “It occurred to me” would be, “is this something you want to resolve or is this something  you are prepared to live with it.”

Try these phrases in your conversations and let me know what happened.

Keith Abell, RPh CIP MI
Save Money, Get Healthy, Earn Cash!
http://AIMHighForSuccess.com

 

Hearing “No” Can Take Your Business to the Next Level! – Post 405

By Richard Fenton & Andrea Waltz

What if, starting today, the word “no” didn’t stop you?

What if every time you heard the word no, you became stronger, more powerful, and more resilient?

What if the greatest success strategy in the world was not to go for yes, but to go for no?

For people who are discouraged by the failure and rejection that can come with building their business, here is a concept that can inspire them in a totally new way. It is true: the word no doesn’t have to hinder you. In fact, it can empower you to achieve a whole new level of greatness you never dreamed possible.

In order to tap into the “power of no” the first thing you must do is Change your mental model of “success” and “failure.”

Most people operate with the following mental model:

SUCCESS< = = YOU = = > FAILURE

They see themselves in the middle, with success on one end and failure on the other. They do everything they can to move toward success and away from failure. This is a recipe for average performance! But what if you reconfigured that model?

YOU = = > FAILURE = = > SUCCESS

Instead of viewing failure as something to be avoided, turn it into a “stepping-stone” on the path to success and gratification. In other words: Success (yes) is the destination. Failure (no) is how you get there.

To achieve significant success in today’s world. Failure is not just a possibility, it’s a requirement. Look at the most successful business owners and what you will find behind their success is a person who went through failure (sometimes a lot of it!) along the journey.

Once you have changed your “mental model” you can move to the next important step in harnessing the power of no.

Stop Tolerating No and Start Embracing It!

Admittedly, this could be a little challenging at first. But, the question you need to ask is, when you hear no, what does that mean to you? How do you respond to it both internally, in your mind…and externally, in your actions?

This is important because it is this and this alone that ultimately spells the difference between long term success and failure for millions of people all over th planet. Not age. Not gender. Not training. Not skill. Not the product or service being offered. Not the economy. Nothing but this! Stop Tolerating No and Start Embracing It!

We are not suggesting that you simply tolerate failure, fighting your way through hearing no. We are suggesting that you embrace it. Like it. Learn to love it.

Are we saying that you must love “no” or you won’t succeed!

It is true that there are some people who never become comfortable with failure and rejection, yet are highly successful. These people keep “failing forward” in spite of their feelings.

If the same person could learn to do more than “tolerate” failure and rejection…and, perhaps, one day even learn to enjoy being rejected and hearing no, then the journey itself could also be rewarding, not just the destination.

So here’s an exercise for you to do right away. Starting tomorrow, every time someone tells you no, immediately say to yourself, “Great! I’m one step closer to yes.”

At first it’s going to feel really strange! And you’ll feel like you’re lying to yourself; but you’ll eventually find that hearing no will…in fact…start to be fun!

How High Is Your No-Quotient?

As you already know, I.Q. stands for Intelligence Quotient, and there’s nothing wrong with having a high IQ. But the number that really matters in life is your NQ, your No-Quotient-the number of times you are willing to hear no before succeeding…the number of times you are willing to get knocked down and then get back up, knowing full well that you are almost certain to get knocked back down again. That’s perhaps the most important number that determines greatness in today’s world.

When you peel away the outer layer – the glitz and glamour of what is seen on the surface – you will discover stories of what we might call “successful failures.”

Most professional who have achieved massive success are, in fact, “successful failures” living this philosophy every day as they build their business.

How would you like to be that next “successful failure?”


To learn more about Richard Fenton & Andrea Waltz best selling book “Go for No! Yes is the Destination, No is How You Get There” click the “Amazon” link below.

What’s the TRUE cost of identity theft? – Post 403

What’s the TRUE cost of identity theft?

There is NO WAY to protect yourself from a data breach. Identity and Credit Theft are some of the fastest growing crimes in America today. Obviously, protecting yourself from them both is now more important than ever!

idtheft

Protect you and your family now!. See this article on Equifax massive breach. Odds are, your private information is being sold.

Equifax says a giant cybersecurity breach compromised the personal information of as many as 143 million Americans — almost half the country.

Cyber criminals have accessed sensitive information — including names, social security numbers, birth dates, addresses, and the numbers of some driver’s licenses.

Additionally, Equifax said that credit card numbers for about 209,000 U.S. customers were exposed, as was “personal identifying information” on roughly 182,000 U.S. customers involved in credit report disputes. Residents in the U.K. and Canada were also impacted.

The breach occurred between mid-May and July, Equifax said. The company said it discovered the hack on July 29.

The data breach is one of the worst ever, by its reach and by the kind of information exposed to the public.

“This is clearly a disappointing event for our company, and one that strikes at the heart of who we are and what we do,” said Equifax chairman and CEO Richard F. Smith.

Equifax is one of three nationwide credit-reporting companies that track and rates the financial history of U.S. consumers. The companies are supplied with data about loans, loan payments and credit cards, as well as information on everything from child support payments, credit limits, missed rent and utilities payments, addresses and employer history, which all factor into credit scores.
Unlike other data breaches, not all of the people affected by the Equifax breach may be aware that they’re customers of the company. Equifax gets its data from credit card companies, banks, retailers, and lenders who report on the credit activity of individuals to credit reporting agencies, as well as by purchasing public records.

Equifax is mailing notices to people whose credit cards or dispute documents were affected.

It also says that consumers can check to see if they’ve potentially been impacted by submitting their name and the last six digits of their social security number. Users are given a date when they will be enrolled in free identity theft protection and credit file monitoring services. Equifax did not immediately reply to CNN Tech’s request for more information about the process.

“This is reason Number 10,000 to check your online bank statements and credit card statements on a regular basis, ideally weekly,” said Matt Schulz, senior industry analyst at CreditCards. com. “Bad guys can be very patient, so it’s important to keep an eye out long after this story fades from the headlines.”

Again, with all this in mind. I SAY PROTECT YOU AND YOUR FAMILY 🙂

That’s why I use Youngevity Protect Identity and Credit Monitoring. Youngevity Protect’s mission is to provide the highest level of identity protection and service possible. With two levels of defense, Identity Theft programs help halt fraud before any real damage is done by detecting harmful use of personal information, and tools to proactively defend my identity, and guaranteeing 100% satisfaction restoration in the event of a breach.

Protect your identity and credit. Plus receive $1m in coverage. To see how it compares to lifelock visit: https://lnkd.in/eAvqe5B (just one of many products offered through AIM High Business Solutions.