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  • What Do You Think When You Hear The Word Success?

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    Success… It is repetitious… It is as easy as following proven steps… No different from K-12… Only difference is your education is put to the side and the knowledge of life becomes self-driven with determination. You become a part of your inner being. The old ignorant self of you begins to diminish and becomes a past erased. It becomes a tool instead of an excuse. You become a product of your environment in any circle you choose to be in…

    So should you choose to be successful, you only fraternize with like-minded people who are making a move forward. With an idea, faith, or negative changing positives. Your world and how you choose to live it is in YOUR hands. The way you choose to make your bed in the morning is how you lay in it.

    Success… It is something that is self-attainable through being involved with your own kind to build a strong case or strong foundation for which the environment you live in.

    Success… It is the reaction after you fail. Aaliyah said it best, “If at first you don’t succeed. Dust yourself off and try again.” An inspirational song with a meaningful message. It is what I call the dreamer anthem. Humans make mistakes or take wrong turns in life. It is how they articulate a new path and trying to distinguish a stop sign from a freeway.

    Let’s face it; it’s easier to get on the freeway to get somewhere. More gas for your mile and more time spent doing other things.

    The back roads are for leisure.

    You have to be willing to leverage you. Leverage the work with a team as a collective energy.

    Success… It is a building. It can be your cardboard box, your cottage or mansion. Depending on your goals and how you obtain the building materials to house your mission.

    I have been reading, The 250 Personal Finance Questions Everyone Should Ask, the author Peter Sander types the question, “What personal character traits are required for financial success?” Then he goes on to mention a few simple steps. Awareness is a key component to keeping track of your current finances. Step two, have the Commitment to carry out the plan that you put in place. Finally, in step three he mentions Control, the most important tool because temptations are the devil (Bobby Bouchey voice)… LOL! In a sentence or two he mentions how you have to look at the bigger picture of your plan.

    One powerful book to sit down and read.

    Success… It has a following. It is your Twitter, Facebook, and Instagram to life. Of course it filters out the nonsense. You can’t bring all of Yo momma this and into your life but, the concept is merely a metaphor. People who follow you they follow you because they are attracted to your content. You become a brand. You have the appearance of success. Your following goes where you go.

    Lastly, Success… It is a lifestyle. It’s how you wake up in the morning. It is the way you stare at yourself in the mirror. It is type of food that your body takes in. It is the way you risk your life for happiness. You can be anything you want to be. You have to make the decision for YOU. Everything in life starts with you. “Life is what you make it.” So live in 2013 making your actions ring and you will be rewarded with a feeling that can’t be replaced by money any day. I’m going to end this with a great quote.

    “Always be yourself, express yourself, have faith in yourself, do not go out and look for a successful personality and duplicate it. “

    -Bruce Le

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    Source by Tyshaun M Taylor

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  • The Catcher in the Rye: Mental Health Services and Social Connections for Children

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    The Catcher in the Rye, by J.D. Salinger, was required reading for my tenth grade English class. I remembered it as a story about the struggles of adolescence, the yearning for independence, and the reluctance to let go of youth. My son is now about the same age as I was when I read the book and we are living through his own nudge for independence, which sparked my interest to give the story another read. Before I began, I wondered what my take on the book would be at this point in life having survived adolescence and received training and experience in child development in addition to having a teen in the house. This reading accentuated the unresolved grief, family dysfunction, mental illness, and lack of social connectedness of the main character, Holden Caulfield, and how these difficulties exacerbate the issues experienced during the typical maturational process. As the country still debates gun control laws in the aftermath of Sandy Hook, and as we try to recover from the Boston Marathon bombing, The Catcher in the Rye reminds us about the importance of developing meaningful and genuine connections with our children and the need to address their mental health issues.

    The Catcher in the Rye begins as a flashback story about Holden Caulfield’s experiences leading up to his nervous breakdown prior to Christmas. Holden narrates the story while receiving inpatient psychological treatment on the west coast. The events begin at Pencey Prep in Pennsylvania, where Holden has been expelled due to poor academic performance, and conclude in New York City as Holden attempts to return home. During the course of his journey, Holden attempts to make connections with a number of people however, he fails miserably due to his social ineptitude, lack of appropriate treatment for what may possibly be bipolar disorder, and inability to believe that other people are capable of being genuine. Holden eventually makes it home and connects with his younger sister. By that time he has decompensated to the point that, even though he is no longer experiencing suicidal ideations, he feels disconnected, misunderstood, and alone. Holden decides that he is going to go away, to escape from society and the rejection, the loneliness, and the pain that he feels. However, Holden makes one last trip to see his sister Phoebe before he disappears. Phoebe’s caring, anger, and innocence provide Holden with the connection he is looking for; she is both a peer and dependent to him. Through Phoebe, Holden is able to cling to his childhood and put off making the leap to young adulthood and independence.

    One theme that I was more attuned to during this reading was the unspoken dysfunction of the Caulfield family. Holden frequently compares himself to his younger, deceased brother, whom he describes as brilliant and athletic, as well as his older brother, who has become a successful author. It is suggested that Holden is a challenging child, and somewhat of a disappointment to his parents as he has been unable to live up to their expectations. He has been expelled from at least four preparatory schools due to poor academic performance, he has difficulty socially connecting with others, and he has frequent mood swings. It is possible that Holden’s parents were drained from watching their youngest son battle with leukemia which left them with little strength to effectively deal with Holden’s grief and potential disability. In Holden’s eyes, they appear to have emotionally and physically divested themselves from him. He has little to no emotional family support and what appears to be very little communication with them. Holden is left adrift to navigate this tumultuous time in his life without support, understanding, and treatment. His efforts to reach out and communicate, including failing out of schools and getting into fights, are not understood as cries for help but are seen as personal shortcomings.

    Holden perceives most people as being phony, superficial, and hypercritical. This may in part be due to his social awkwardness, lack of maturity, and feeling of being abandoned by his parents. He is continuously let down by everyone that he reaches out to for help as they either don’t live up to what Holden has built up in his mind, or they try to take advantage of him. Therefore, Holden comes to believe that everyone is phony who doesn’t or is incapable of meeting his preconceived expectations. In addition, Holden clearly experiences moments of mania during the story, which are often followed by feelings of sadness to the point where he does express some suicidal thoughts. It seems that the lack of communication with his parents, the unresolved grief and guilt over the death of his brother, and the inability to effectively and appropriately connect with others result in Holden being unable to interact with others on anything but a superficial level. The exception to this is Phoebe. Her reluctance to let her brother leave provides Holden with the strength to go home and ask for help. However, in the end, Holden continues to suffer from a lack of love and feelings of loneliness. He states, “Don’t ever tell anybody anything. If you do, you start missing everybody.” At this point, Holden continues to find it difficult to have genuine, meaningful relationships believing that when you open up to people that they will turn away from you in order to keep the relationship on a superficial level. Holden continues to be plagued by this emotional void and, while there is a hunger for social connectedness, he will continue to experience emptiness and rejection due to his quirkiness.

    For me, reading The Catcher in the Rye in high school highlighted the struggle for independence and Holden’s war on hypocrisy. On this reading, I was able to obtain a better understanding of the tragedy that occurs as a result of Holden’s parents being unable to provide him the emotional support that he needs to overcome his brother’s death and deal with his mental health needs. Holden’s repeated failure to socially connect and develop a meaningful relationship with anyone other than his sister and the lack of treatment for his mental health issues made me think of the recent tragedies in Colorado, Sandy Hook, and Boston. It reinforced the need to take mental health needs and services seriously; just because these conditions are unseen doesn’t mean that they aren’t debilitating. Feeling cared for and connected to others reduces the stress, stigma, and isolation that are associated with these conditions. It made me wonder whether these tragedies could have been avoided if the people involved had received appropriate therapy and treatment. They may have felt connected and accepted, and these tragedies may have been avoided. The message of being accepted and cared for from The Catcher in the Rye continues to be relevant to young people today as we all strive for acceptance.

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    Source by David Pino

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  • Categories of Ethical Dilemmas in Business

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    First published in Exchange, the magazine of the Brigham Young University School of Business, the following twelve categories were developed to cover the root or cause of most ethical business dilemmas that one might encounter in their jobs. I have summarized them to keep them short and simple.

    1. Taking Things That Don’t Belong To You

    Everything from taking highlighters from the storage room, to sending personal mail through the mailroom, to downloading unauthorized games to play on your work computer fall into this category. A CFO of a major corporation took a cab from the airport to his home in the city. When he asked the cabbie for receipt, he was handed a full book of blank receipts. Apparently this dilemma of accurately reporting business expenses involves more than just one employee.

    2. Saying Things That You Know Are Not True

    When a car salesperson insists to a customer that a used car has not been in a previous accident, when it has, an ethical breach has occurred. When a clerk in a store assures a customer that a product has a money-back guarantee, when only trade-ins are allowed, another ethical violation occurred (and perhaps a violation of the law).

    3. Giving Or Allowing False Impressions

    There is an urban legend in which 2 CD’s were being sold on a TV infomercial that claimed that that all the hits of the 1980’s were on the CDs. The infomercial emphasized over and over again that all songs were performed by the original artists. When they received the CDs, upon closer inspection, they found that all songs had been covered by a band called The Original Artists. While technically true, the impression given by the infomercial was false.

    4. Buying Influence or Engaging in Conflict of Interest

    When a company awards a construction contract to an organization owned by the brother of the attorney general, or when a county committee who is charged with choosing a new road construction company is traveling around the state looking at roads at the expense of one of the bidders, a conflict of interest arises which might affect the results of that choice.

    5. Hiding or Divulging Information

    Failing to divulge information from the results of a study on the safety of a new product, or choosing to take your companies proprietary product information to a new job are examples that fall into this category.

    6. Taking Unfair Advantage

    Have you ever wondered why there seem to be so many product safety rules and procedures? It is primarily the result of laws passed by government institutions to protect the consumer from companies that previously took unfair advantage of them because of their lack of knowledge or through complex contractual obligations.

    7. Committing Acts of Personal Decadence

    Over time, it has become increasing clear that the acts of employees outside of work can have a negative effect on a businesses image. This is one of the primary reasons companies are minimizing social interactions or events, outside of the office, so that drug or alcohol related events can not be tracked back to the company.

    8. Perpetuating Interpersonal Abuse

    At the heart of this category of ethical misbehavior is the abuse of employees through sexual harassment, verbal lashing, or public humiliation by a company leader.

    9. Permitting Organizational Abuse

    When an organization chooses to operate in another country, it sometimes butts up against social culture in which child labor, demeaning work environments or excessive hours are required. It is at this point that the leaders of the company have a choice…whether to perpetuate that abuse or alleviate it.

    10. Violating Rules

    In some cases, people or organizations violate rules to expedite a process or decision. In many of these cases, the results would have been the same regardless, but by violating the rules or required procedures for that outcome, they can potentially scar the reputation of the organization they work for.

    11. Condoning Unethical Actions

    Suppose you are at work one day and you notice that a colleague of yours is using petty cash for personal purchases and fail to report it. Perhaps you know that a new product in development has safety issues, but you don’t speak out. In these examples, failing to do right creates a wrong.

    12. Balancing Ethical Dilemmas

    What about a situation that would be considered neither right, nor wrong? What should be done here? Should Google or Microsoft do business in China when human rights violations are committed daily? Sometimes an organization must balance the need to do business with any ethical dilemmas that might arise from doing business.

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    Source by John Bascom

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  • 3 Obscure APA Writing Style Rules You Should Know

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    Many students are required to submit essays, research papers, and other assignments written in APA writing style. Academic papers written in APA style of writing should strictly follow APA guidelines even those obscure ones to score good grades. Using APA Writing style requires more than just the form of references and citations. Some complex requirements may be unknown for those who are not familiar with APA writing style or have some experience using this style when preparing their academic papers. Below are the three obscure APA rules you should know:

    Prefixes in APA Writing Style

    A big part of using APA writing style is the proper use of prefixes. It is common to use hyphens after prefixes in casual English. However, this is against APA style of Writing. Words such as underdevelopment, hypertext, underscore should not be hyphenated when writing an academic paper using APA style of writing. There are certain circumstances that you will be allowed to use prefixes when writing an academic paper using APA style. When using the prefix self-, you should always add prefixes for example self-esteem, self-employment among others. On the same note, you are allowed to use a hyphen when the word after the prefix is a proper noun or number.

    Anthropomorphism in APA style of writing

    Anthropomorphism refers to a situation where a writer ascribes human traits or action to non-living things. Anthropomorphism is commonly used in all levels of study when writing an academic paper. Many tutors, professors, or reviewers may not bother to mention it; however, it should be avoided when writing an academic paper. Examples of most commonly used anthropomorphism include “This article examines… ” or “This paper discusses… ” Be as it may, it is not technically possible for a paper to discuss anything. Therefore, the best alternative is to say “The researcher discussed… ” or “… is discussed in this paper.”

    Numbers in APA Writing Style

    Many students and scholars are confused by the use of numbers when writing documents using APA style. Many students and scholars are familiar with numbering rules in APA style, but they end up misusing them. It is important to note that you should spell out numbers between one through ten when you include in a paper formatted in APA style of writing. For example, you should not write ” It took 7 years for me to understand how to cite a paper using APA.” Instead, write, “It took seven years for me to understand how to cite a paper using APA.”

    Tips for proper formatting and editing a document using APA

    It is important to obtain a copy of APA writing style guidelines and review it thoroughly before writing an academic writing paper. You obtain them from popular websites such as Purdue OWL and reputable universities writing centers. You can also get help from professional writers and editors that can help you format your academic paper or book in APA style of writing.

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    Source by Johny Evans

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  • Review of Secrets of Self-Made Millionaire Book by Adam Khoo

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    This is the first Adam Khoo book I bought, and it really caught my attention. I have heard of Adam Khoo on numerous occasions and wonder what he is like running a few successful businesses making him a self-made millionaire.

    Adam did not immediately dive in to explain the methods he used to achieve great wealth. Instead, he explained how self-made millionaires think which allows them to see opportunities where others see problems. Once you adopt the habits of a millionaire, a whole new world will begin to open to you and is fundamental to wealth creation.

    The next fundamental aspect I learned from Adam about wealth creation is to set crystal clear financial goals. All of the millionaires, billionaires in the world have at some stage of their life decided that they wanted to be rich. From there, the rich will create high level financial goals for themselves to reach within a certain time frame and a specific whole figure is often used as their target. Lets say you want to increase your monthly income to a higher figure, you need to change your strategy.

    With the goals and target set, you create a plan and execute it accordingly. If your goal is to achieve a targeted portfolio, in your plan you will provide how much you need to save and invest each month along with the rate of returns to reach your target in the allocated time frame. If your goal is to increase your monthly income, in your plan you will provide the methods of increasing your primary income source along with any other income source you need to start anew.

    With the financial plan created, you will find that it is going to be a steep uphill task to achieve the targets set in your plan. Many people give up without achieving their dreams. How do you increase your income at the rate that will allow you to achieve your targets? That’s where Adam teaches us how to massively increase our income in any career along with creating a home based internet business.

    Increasing your income in only one side of the coin. The other side of the coin is to reduce expenses. Many people get into serious debt no matter how much income they earned because they failed to manage their expenses, spending more than they earn. It is even easier to get into debt when salespeople from banks constantly push you to sign up for their credit cards. Adam illustrates the essential money skills you need to have and how to reduce expenses without lowering your current standard of living.

    When you increase your income and reduce your expenses, you will have surplus funds. We have to put this surplus funds to work for us instead of just working hard and saving alone which will not make us wealthy. Using the theory of compounding, you can turn small amounts of money into a huge amount over time with discipline. All rich people use investment vehicles to help them create their wealth and the stock market is one such vehicle. They understand both the risk and returns of the stock market allowing them to achieve returns in the range of 15%-25%.

    Last but not least we need to know how to protect our wealth after spending so much time and effort to build it. Unforeseen circumstances can happen and wipe out our wealth if we are not prepared for it. The rich always engage experts to help them protect their wealth from unscrupulous people.

    I highly recommend Adam Khoo’s Secrets of self-made millionaires if you want to learn how to build extraordinary wealth using multiple sources of income. Many areas of his book have exercises for you to practice what he has taught to accelerate your wealth creation. Get his book now!

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    Source by Raymond Heng

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  • Mindset: A Summary

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    Dr. Carol S. Dweck was challenged by her student to write a book on the results of years of their research study. Dr. Carol S. Dweck rose to the occasion and has written this book, “Mindset: The New Psychology of Success, and How we can Learn to Fulfill Our Potential” in the hope that it will help the ordinary human being understand that life is what you make it and not what was dealt to you at birth. She has written in simple language giving examples of ordinary real people like herself and her students, artists like Picasso, sportsmen like Michael Jordan, the basketball player and John McEnroe the tennis player, Marina Semyonova the great Russian dance instructor and CEOs of different companies to name a few. In the third paragraph of her introduction she writes, “… you’ll learn how a simple belief about yourself… guides a large part of your life… In fact it permeates every part of your life… ” Thus she draws the reader into the book, making the reader one of her real life examples as the reader finds himself or herself in these examples.

    Dr. Dweck introduces the two types of mindsets, the fixed mindset and the growth mindset in the first section of the book. She writes how she learned from ten year old kids that failure could be turned into a gift if you had the right mindset. By giving them hard puzzles to work on, the kids cultivated their intellectual skills through effort and did not give up. These kids became her role models in her pursuit of whether human qualities are things that can be cultivated or are things curved in stone. Each person has a unique genetic endowment but experience, training, and personal effort take them the rest of the way.

    Dr. Dweck’s twenty years of research has shown that the view you adopt for yourself profoundly affects the way you lead your life. She writes that, if you believe that your qualities and traits are curved in stone and cannot be changed then you have a fixed mindset. And if you believe that cherished qualities and traits can be developed and cultivated then you have a growth mindset.

    Fixed mindset people believe that an individual’s intelligence, quality and traits are a fixed quantity which cannot be increased. If they are doing well in school then they are smarter than the others who are not doing well. If they do well in sports then they have talent dealt them at birth. They spend time to prove that they are better in the qualities dealt to them just to prove they were dealt a healthy dose and that they are not deficient. If something doesn’t work for fixed mindset people they always blame it on something else.

    Growth mindset people work hard to do better always. They do not sit back and see their accomplishments as the final goal. In their minds there is always room for improvement. They have no time to sit and see themselves as the best or better than others. They have no time to sit and think that they have a special talent. They are busy thinking of how they can make it better and what changes they can make if something expected did not go right. To them if something doesn’t go right it’s not failure it is a challenge to find out ways to make it happen.

    In the second section of the book, Dr.Dweck, takes us through her research journey of fixed mindset and a journey of growth mindset through several sets of eyes. Showing how these two mindsets make or break people in their daily lives. In individual sports she gives an example of John McEnroe fixed mindset in tennis. He was a brilliant player who believed on talent not effort and working hard. When he didn’t win he blamed it on something else. Like when he blamed the system for not liking the game any more. He would not take responsibility. Micheal Jordan on the other hand has a growth mindset. If he missed a goal he would go and practice for several hours trying to figure out why he missed it In team sport the author gives an example of Couch John Wooden who was tactically and strategically average but went on to win ten national championships. Coach Wooden a growth mindset, tells us he was good at getting players to fill roles as part of a team. He cared about the feelings of the players. Fixed mindset like Coach Bobby Knight picked players for talent. He was an excellent coach but used the dictator approach to win. The winning were short lived and broke individuals’ characters in the process.

    In corporate companies the author uses General Electric CEO, Jack Welch, as the fixed mindset who managed to humble himself to a growth mindset and as he grew in his mindset the company grew at the same time. Lee Iacocca whose fixed mind set is good to bring the company up to the top in a hurry but then you need to get rid of him before he breaks it. Ford motor company did just that and Lee Iacocca was not happy. Fixed mindsets leaders are more concerned with being heroes and put their ego before the welfare of the company. The author gives example of Enron as a company that broke in the hands fixed mindset high echelon smart people. Enron employed smart people with talent and paid the maximum price of closing the company. Enron is a good example of groupthink where executives get carried away with their brilliance and superiority and make catastrophic decisions.

    In love, these two mindsets can make or break a relationship. In her research, Dr. Dweck, found out that fixed mindsets feel judged and labeled by rejection in a break up. They also chose revenge as a means to get at the person who hurt them. Growth mindsets chose to forgive, learn from it and move on. The author gives Hilary Clinton as an example who forgave her husband and went to canceling in order to save her relationship. Time and effort is needed to cultivate the emotional skills that are needed to keep a relationship.

    Dr. Dweck, ends this third section with the influence that parents’, teachers’ and coaches’ mindsets have on children that are under their care. In her research she found out that children interpret the caregivers words of support and encouragement in a fixed mindset approach. This sets them up for failure. For example, “… You learned that so quickly! You are so smart… ” is interpreted as “… If I don’t learn something quickly, I’m not smart… ” She explains that parents, teachers and coaches should refrain from giving praise that judges their intelligence or talent but praise them for the work that they put in. She goes on to say parents, teachers, and coaches need to give equal time and attention to the children regardless of their initial skills. The children will in turn give all and blossom. The author points out, “… As parents, teachers, and coaches we are entrusted with peoples’ lives. They are our responsibility and our legacy… “

    In the fourth section of the book, Dr. Dweck, embarks on the most gratifying part of her work, watching people change. People are not conscious or aware of their beliefs. Dr Aaron Beck, a psychiatrist, discovered that he could teach them how to work with and change these beliefs. And cognitive therapy, one of the most effective therapies ever developed, was born. Dr Dweck, used workshops to probe the way people of fixed mindsets dealt with information they were receiving. She found that they put a strong evaluation on each piece of information. Something good led to a very strong positive label and something bad led to a very strong negative label. People with growth mindset are also constantly monitoring what’s going on, but their internal monologue is not about judging themselves or others. They are sensitive to positive and negative information, but they are attuned to it’s implications for learning and constructive action. Dr. Dweck also had workshop for students. The workshops require a large staff to deliver the material. So the workshop material was put on interactive computer modules. The teachers guide their classes through the modules, and called it Braintology. These mindset workshops put students in charge of their brain.

    It is interesting to note how a simple characteristic like a mindset affects decision making in a wide spectrum of the population. A student in kindergarten, a CEO in billion dollar company, a surgeon at work in a hospital, a sportsman at practice and on the court, a chef at a high end hotel, selection of dance students and a sport team. College students drop classes or drop out of school due to having a fixed mindset. A growth mindset helps you learn to deal with anger, and deal with stereotypes in racial and gender discrimination. It’s quite fascinating.

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    Source by Nancy Maina

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  • Book Summary: Tax-Free Wealth – How to Build Massive Wealth by Tom Wheelwright

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    I was lucky as a kid to have my father as a business mentor. When the time came and I entered the business world, I could not lean on him as he passed away young. The Rich Dad / Poor dad books were my saving grace when it came to financial education. Several of the concepts I knew about because of my father but the advanced strategies and the “how to” really came from the Rich Dad books. Tom is a Rich Dad advisor.

    Why is this important to me?

    I am not doing this summary to waste your time. It is my vision to provide concise action steps that you can adopt right now to enhance your financial life and career. If you want to continuously improve, you have to be committed to continuous learning. Lever the continuous learning with the right associations and you will succeed in your career.

    The Cash flow quadrant really sums up the essence of financial success. If you focus on the left side of the quadrant then you can make an OK income but if you focus on the right side then you can become rich. Robert Kiyosaki points out in Rich Dad / Poor Dad that the left sides of the quadrant people make money, pay tax and then spend it. On the right side of the quadrant people make money, spend it and then pay their taxes. This is a huge difference and can be the biggest success lever in your financial arsenal.

    Tax-Free Wealth points out 24 Tax Strategies you can use on your way to Tax-Free Wealth. For the sake of time I will point out a few along with some commentary about each.

    1. Rule # 1 – It is your money, not the governments. People tend to run scared when it comes to taxes. Remember that you are the one creating the value and making the business work, be smart and utilize tax strategies to minimize tax and maximize your investment. The key here is tax avoidance NOT tax evasion. Every concept in this book is totally legal and encouraged by the IRS.

    2. Rule # 2 – The Tax Law is written to permanently lower your taxes. All financial plans need a solid foundation. This is why you simply can NOT focus on rate of return only. You can make a huge rate of return but if you can lose it because of a law suit or 50% gets eaten up in taxes then you will lose in the long run. 99% of the tax code is written as incentives to encourage people to start business. The reason the government does this is because businesses create jobs and that is the single biggest economic driver.

    3. Rule # 3 – The fastest way to put money in your pocket is to reduce your taxes. Businesses require investment. That investment is a business expense along with R&D, Travel and other business related expenses. You can combine vacation and work legitimately and write it off as a business expense. If you travel and sell items then go on sales calls in the vacation area. If you are a real-estate investor then travel where you may invest.

    4. 4. Rule # 24 – Build massive passive income through your tax savings. This is the strongest wealth builder in the book because you lever up compound interest, velocity of money and leverage. Utilizing these three vehicles along with investment stacking and you will be rich. The goal is to build your business and make the money there and turn it into passive income and then park the added money into cash flow investments like real estate. You want your money working harder than you do. You do not want to trade hours for dollars. Let me give you an example.

    In our software company there are two ways to build wealth and that is through intellectual property and maintenance agreements. These two things used together will build a company that can be sold for 2-4X revenues. Now to foster that investment with leverage, I use the “Infinite Banking Concept” to lend money to the business through “my own bank.” Now the money the business pays me comes back as investment income which means lower taxes. The new revenue the additional maintenance contracts bring foster new contracts. The next step is to use “good debt” to leverage our coverage and purchase more maintenance contract revenue with our software platform.

    In summary, you make money in your business and hold it in passive income generating assets using good leverage, velocity of money and compound interest.

    Tax-Free Wealth is a great resource that I encourage you to read. If you immerse yourself in these concepts, financial security and true wealth can be yours.

    I hope you have found this short summary useful. The key to any new idea is to work it into your daily routine until it becomes habit. Habits form in as little as 21 days. One thing you can take away from this book is lever your financial education. If you take control of your education and schedule 30 minutes per day dedicated to this then you will reap results. You cannot put your financial future in the hands of somebody else. Take on the responsibility and good things will happen.

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    Source by Joe Mosed

    Views: 0

  • Finding Emotional Intelligence in Negative Emotions – Positive Purpose in Sadness Anger and Fear

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    Emotional Intelligence is severely undervalued. When you feel stuck, frustrated, stressed, upset, or overwhelmed, skillful emotional awareness is the key to moving forward. Underneath your upset is a specific emotion that can guide you. The key, then, is to understand the messages in your feelings and become skillful in using their energy appropriately.

    Even so-called “negative emotions,” such as sadness, anger, and fear, convey important information and energy to carry out specific actions that can help you and others. Emotions arise with a purpose and when this purpose is fulfilled the feeling subsides. Unfortunately, as a society, we have not learned to understand and sufficiently value emotional energy and information, so we tend to deal with these feelings crudely.

    For example, with an emotion like anger, you might express it explosively or shove it under the surface, because you do not want to act angrily. Either you express your feelings reactively or cease feeling altogether.

    Emotional Intelligence expert, Karla McLaren, describes a healthy third alternative. She says you can facilitate the healthy flow of emotions by consciously “channeling” the information and energy that emotions provide. In other words, emotions contain meaningful messages along with energy to do something related to those messages. This is true for so-called “negative” emotions as well as “positive” ones.

    For example, McLaren suggests that:

    • ANGER arises when you, or someone or something you love, is threatened and you need to take protective action or set a firm boundary.

    • SADNESS arises when you need to let go of what no longer serves you or what is past, so you can move forward.

    • FEAR arises to prompt you to take preventative action.

    • JOY prompts you toward expansive, expressive, creative action.

    • COMPASSION prompts you to care for others.

    So, every emotion has a MESSAGE and ENERGY to carry out a specific type of action. Tuning into your emotions helps you to receive these messages and take these actions.

    Let’s explore the first three of these emotions in more depth. Sadness, anger, and fear are often misunderstood and handled poorly. We tend to repress them, stay stuck in them, or express them unskillfully, with negative consequences.

    So, as you work with these emotions, it’s important to do so Mindfully. Approach them as a curious observer with an attitude of paying attention, on purpose, in the present moment, without judgment. Know that emotions are simply information about yourself, others, and events, along with energy to do something about this information. They do not define who you are and they will pass as you gather their information and take appropriate action.

    (Note: If you feel overwhelmed or paralyzed by feelings to the point where you are unable to consciously process them yourself, seek the assistance of a counseling professional who is trained to work with intense emotions.)

    The Positive Purpose of Sadness

    The purpose of sadness is to enable you to let go of what is no longer working or what is past and finished. Sadness is a watery downward-flowing energy that enables you to release what no longer serves you, so you can return to fluidity and flexibility in your life.

    By allowing appropriate sadness to flow through you, you’ll make space for new energy and new possibilities. If you do not consciously acknowledge sadness or don’t know how to flow with it, you’ll bury it inside, where it will perpetually cycle, or you’ll get lost in the feeling and be overwhelmed.

    Here’s a practice adapted from Karla McLaren’s book, “The Language of Emotions,” that can help you consciously process feelings of sadness.

    1. When you feel sadness flood into you, take some quiet, private time to center into the feeling. Tune into the sensation of sadness, locate where it resides in your body, and approach it with curiosity to learn what it has to tell you.

    2. Take a deep in-breath as if you are filling your whole body with your breath. As you exhale, make a sighing sound, and feel the energy of your sadness flowing like water down through your body, through your legs and feet, and down into the ground.

    3. Stay centered in your inner space and ask your sadness the question: “What needs to be released or let go right now?” Don’t rush to fill in an answer. Instead, keep the question open. Listen and feel inside.

    Repeat your sighing breath down through your body as many times as you feel the need and keep your question open for your deeper knowing to respond. You may find you know right away what you need to release or you may find it becomes clear later. Either way, tuning into sadness (or any emotion) mindfully initiates a process of discovery and integration that will help you move forward.

    The Positive Purpose of Anger

    Anger arises to create and preserve personal boundaries and safeguard personal space. You feel angry when a personal boundary or the boundary of someone or something you care for is disrupted or violated. When you are able to identify the source of the perceived threat and use the energy available in anger to strengthen your personal space and take appropriate action, anger will recede. It will have accomplished its purpose.

    Here’s a practice adapted from McLaren to gather the information and use the energy in your anger:

    1. When you feel anger rising, focus inside your body and become more in-touch with the felt sensation. Approach the feeling with curiosity to learn more about it.

    2. Take a deep in-breath. As you exhale, imagine and feel as if the energy in your anger travels outward into a sphere about an arms-width around you, your personal boundary, strengthening it with a brilliant color. Do this until you feel a shift in your energy, so you are witnessing, feeling, and working with the energy in your anger without being consumed by it.

    3. Ask your anger this question: “What needs to be protected or restored?”

    4. Then ask, “What action will restore healthy boundaries and protect what is important?”

    These questions help you identify what feels threatened, so you can take appropriate action. Try this when anger arises and see how it works for you.

    The Positive Purpose of Fear

    We’ve been told “Fear is what holds us back” and “The only thing to fear is fear itself.” If we can just overcome our fears, we’ll be able to live full-out and realize our hopes and dreams. But, what if this perennial wisdom regarding fear is missing something? What if fear in its essential form is one of our wise guides?

    Emotions have three primary forms: unconscious reactive expression, a repressed cycling state, and a healthy free-flowing state. It may be that we are only familiar with the first two forms of fear: a reactive expression that makes us cower and a repressed state which creates constant low-level anxiety.

    Fear in its healthy free-flowing form is something altogether different. What if fear can signal intuitive awareness of something that needs attention? What if it can alert you to important action?

    This form of fear is a sixth sense that reaches out through your personal space to pick up signals about what is happening inside you, with others, and in your environment. Fear can alert you to what is happening in your own body. It can alert you to the actions and intentions of the people around you and to conditions in the environment. When you learn to discern this information, it can help you can choose wise actions.

    To learn to use fear as a wise guide, try this simple practice:

    1. When you feel fear arising, take a quiet, private moment to center into the feeling. Tune into the sensation of fear, locate where it resides in your body, and approach it with curiosity to learn what it has to tell you.

    2. Take a deep in-breath as if you are filling your whole body with your breath. As you exhale, imagine and feel that your breath fills the sphere of your personal space about an arm’s width around your entire body. Sense into your personal space and into the wider space around you and search for subtle signals. For example, you might be drawn to an area inside your body or to look at something or someone in your environment. You might feel the urge to move toward or away from something.

    3. Stay centered in your personal space and ask your fear the question: “What action needs to be taken right now?” Don’t rush to fill in an answer. Instead, keep the question open. Listen and feel inside. See what presents itself. You may have an inspiration to take a specific action.

    It can take time to learn to discern guiding signals. As best as you can, be patient. The simple action of tuning into emotional signals is a cultivated skill. You’ll grow your ability to sense inner guidance from fear and all your emotions through mindful practice over time.

    You’ll also learn to discern the quality of signals that represent accurate present guidance from false interpretations based on painful past experiences. There’s a different felt quality to accurate versus false guidance. False guidance may feel alarming, stressful, or rushed. It is fixated on what happened in the past or overly-anxious about the future. Accurate emotional guidance has a matter-of-fact, present, forward-moving quality, that feels like perfect timing.

    So, in summary, as emotions come up, instead of being wary of them, what if you welcome them, become curious, and ask:

    • What is the sensation of this emotion in my body?

    • Exactly what emotion is this?

    • What is the message in this feeling?

    • What is it asking me to do?

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    Source by Kevin Schoeninger

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  • The Central Theme of Rich Dad Poor Dad by Robert Kiyosaki – Look For Assets Not Liabilities

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    Rich Dad Poor Dad has been reviewed by many writers. The book, written in 1997 by Robert Kiyosaki, immediately became a success. The concepts expressed therein are the foundation of Robert Kiyosaki’s Rich Dad book series.

    Rich Dad Poor Dad expresses a number of concepts that seem contrary to the established norms of accounting and finance. Robert Kiyosaki defines an asset as anything that puts money in your pocket and a liability as something that takes money away from your pocket.

    In Rich Dad Poor Dad and indeed the entire Rich Dad series, Robert Kiyosaki encourages his readers to look for assets and avoid liabilities. This is the key message to those who want to become wealthy and prosper financially.

    Based on the definition of assets and liabilities is the concept of making money work for you instead working hard for money. Money works consistently and diligently for a wise owner multiplying beyond expectations. You cannot become rich by working for money.

    You earn passive income when you get your money to work for you, a concept explored exhaustively in Rich Dad Poor Dad. Passive income is the foundation of wealth as it gives leverage to your efforts. After setting up an income stream, it continues to make you money while you sleep.

    The Rich Dad Corporation has three main shareholders: Robert Kiyosaki, his wife Kim Kiyosaki and Sharon Lechter. The three of them are co-founders of the RDPD Corporation under which they have produced a range of RDPD books.

    Kim Kiyosaki has written her own line of Rich Women, Poor Women which is based on the same basic principles expressed in Rich Dad Poor Dad but is directed to a different audience altogether. Riding on the back of her husband, Kim Kiyasaki’s books have also been very successful, drawing millions of satisfied readers.

    Robert Kiyosaki has influenced the lives of millions around the world through his books, helping many to become aware and get rid of doodads, thus eliminating liabilities from their financial life. He has conducted millions of seminars and training programs. He is dedicated to educating humanity in business principles and handling of personal finances, thus helping them to escape poverty.

    The Rich Dad Series gives many practical examples of how to grow money using real estate, the stock market and business. The books confirm Robert Kiyosaki’s qualities as educator and motivator, and his understanding of economics and money concepts. Employing skills as educator and his knowledge of money matters, Robert Kiyosaki has been able to build an empire on the concepts expressed in Rich Dad Poor Dad.

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    Source by Robert Mato

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  • 5 Tips for Dating Slavic Women

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    Depending on how young is the lady you fancy and where she had grown up (in a western country or somewhere in Russia, Belarus, or Ukraine), she will behave more or less like the typical Slavic woman. Girls who grew up in western countries may behave similar to western females. But if she finished school in countries of the post-USSR, then she definitely will have some specific expectations that you need to take in consideration in your approach.

    1. Dress up.

    A well dressed man is a pleasant sight for most females. But Slavic women dating rule book has a special place for an elegant man, as Russian, Ukrainian ladies love to dress up themselves. If you look sloppy, she will not feel comfortable and may decide you are not a suitable match. Wearing a jacket, nice pants, and a collared shirt with laced-up shoes will make you look more attractive for women of Slavic origin.

    2. Bring flowers.

    Most westerners think it’s too much to give a woman flowers on the first date. But if a woman is from the former USSR, she expects it as a necessary gesture of adherence to the polite courtship ritual (as opposed to a guy simply trying to pick her up). FSU dating culture still insists on a man bringing a bouquet for a lady on the first date, or she will think you do not respect her. How do you find out if the Slavic girl you have a date with expects flowers from a man? Ask her if she likes flowers. If she says, “Of course!”, then ask her what kind of flowers she likes. If she can give you an instant answer, she is definitely into the “flower dating culture” and you are safe to bring a bunch of pretty blossoms. (Sure, if she says she doesn’t like flowers, no need to do it.)

    3. Court her.

    Courting means looking after your girl on a date as if she was a dainty lady: Open doors, move chairs, offer your hand when she exits a car, hold her coat for her to slip in. Things that gentlemen used to do for their ladies in 1950s. (Ask your grandmother if you struggle to understand what it’s all about.) These little gestures are still in vogue among Slavic girls and she will be really impressed, as most westerners don’t do it. That’s a sure way to separate yourself from all the other guys trying to woo her.

    4. Make decisions.

    Every Slavic girl wants to meet a “real man”. What does she mean by that? Someone who is decisive and confident. This means, book a restaurant (you can even find a good Russian restaurant, she will approve), decide what you do before and after, ask what she is going to eat prior the waiter coming and order for her, and so on. She wants to feel that she can simply relax and rely on you. That’s what Slavic women seek in a partner.

    5. Pick the bill.

    If you offer to split expenses, this will be the last time you see your Slavic girl. In Russia and Ukraine, men still pay for dates -moreover, a Russian guy would feel insulted if a woman offered to go halves, as if she thought he wasn’t a “real man”.

    If you follow these 5 easy tips, your dates with Slavic ladies will definitely go smoother.

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    Source by Elena Petrova

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