Tag: habits

  • 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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  • 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

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  • Life Lessons Learnt Post Drug Detox

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    Drug addiction is a chronic illness that brings misery not only to the life of the individual addicted, but also to his or her loved ones. In recent years, drug addiction has become a matter of serious concern for the United States as a large number of young adults in the country are getting addicted to prescriptions drugs and illegal substances at an alarming rate.

    The “drug culture” rampant in the American society takes a heavy toll on the people’s personal as well as professional lives. Sometimes, the influence of the drug can be so strong that it may lead to several other serious issues, such as increased risk for physical and mental ailments, suicidal thoughts, and even death.

    However, drug addiction is a preventable and curable disease that can be treated with medications and counseling. Medical detoxification is the first step toward quitting the vice of addiction and leading a productive life. Though the detox process is essentially aimed at removing toxins from the body after a long-term drug use, it teaches some incredible life lessons along the way.

    Listed below are some of the lessons that people learn during drug detox in a rehabilitation program, which can be carried out for many years to come:

    1. Addiction does not discriminate

    Drug addiction can affect anybody regardless of age, gender, ethnicity, race, or even socio-economic class. Often starting as an experiment, people gradually cross the illusive line of addiction, from where there is no turning back. However, the good news is that an effective detox program can help such people get rid of the devastating habit.

    2. Increasing awareness about addiction is important

    Being aware about the ways in which a particular drug can affect an individual and knowing about the legal repercussions of its addiction can motivate a person and his or her loved ones to stay away from the drug. Also, being aware of the right detox program is important to ensure a speedy recovery for a person who is already in the clutches of destructive drug use.

    3. Addiction leaves one lonely

    Drug addiction is a chronic illness that makes an individual live in solitude. Those fighting substance abuse disconnect themselves from the external world and stay aloof from friends, relatives and other loved ones. Undergoing a detox program teaches a person to make friends, lead a social life and engage in healthy habits.

    4. Self-care is essential

    Taking care of own body and mind is important to keep oneself fit and healthy. This is also required to ensure that a vulnerable individual does not get trapped into drug addiction, and continues to lead an addiction-free life post detox.

    5. Running away from stress does not prevent drug addiction

    For many individuals, addiction generally develops when they feel low, sad or depressed. However, in a detox program, a person comes face-to-face with such negative emotions and makes efforts to develop “emotional sobriety” first, in order to lead a drug-free life.

    Leading a drug-free life is possible

    Abusing any form of drugs, including prescription drugs, is illegal and can deteriorate the life of any individual. A comprehensive detoxification is a must in every drug rehabilitation program as it prepares the patient for further treatment procedure. The complexity of detoxification depends on the nature and length of the abuse.

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    Source by Barbara Odozi

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  • Uncovering the Weight & Lifestyle Connection

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    Why do some people have a harder time losing weight than others?

    Some people have really low metabolisms due to inborn genetic conditions. Others develop hormone-imbalance disorders like hypothyroidism later in life, which can also make losing weight nearly impossible without proper treatment.

    However, the most common cause of delay in weight loss is actually lifestyle choices.

    If you are already dieting and working out and you still aren’t seeing any progress, it’s time to do a lifestyle check to see if you have any “weight loss traps” holding you back.

    What are “weight loss traps?”

    Weight loss traps are habits, beliefs and general lifestyle factors that can slow down your progress in slimming down. To say that only diet and exercise are needed to slim down is an oversimplification. There are many other factors that affect a person’s weight.

    Factor #1: Daily Routines

    How do our daily routines affect weight loss?

    Daily routines have a definite impact on the weight loss process. If people evaluated their main routines at home or at work, they would immediately see why the weight isn’t coming off.

    If you grab cheeseburgers or tacos for lunch and you skip breakfast on most days, your metabolism is probably very low and your body isn’t burning calories at an optimum level.

    Poor eating habits often have precedents. For example, if a person doesn’t have time in the morning to prepare breakfast, it is likely that they often sleep late and wake up in the morning with only minutes left to shower and dress for work.

    It’s important that you slowly change your daily routines to fit your new lifestyle requirements. Otherwise, your body will not be able to shed fat efficiently.

    Factor #2: Stress Levels

    How stressed are you on most days?

    If you answered “very stressed” or “extremely stressed”, your level of stress may also be preventing you from losing weight.

    In addition to the mental strain that stress creates, physiological stress also affects cardiorespiratory efficiency, nerve health and even your digestive health. In short, when you are mentally stressed, your body (including your vital organs) is stressed too.

    In this situation, the only viable option is stress management.

    There are many stress management techniques available, from meditation to massage therapy. Some individuals like playing subliminal recordings with ambient sounds to relieve themselves of stress. Explore your options and see which technique will be the most beneficial for you.

    Factor #3: Sleep Quality

    Sleep is the only time that the body can start renewing and repairing itself. When you are actively losing extra weight, your body needs even more sleep so that your muscles and organs can repair and reconfigure themselves to function more efficiently.

    What happens when you don’t get enough sleep at night?

    Lack of sleep or poor sleep quality can affect your ability to exercise. Your metabolism is also slower and the digestion and absorption of nutrients also slow down.

    Having less than 6 hours of sleep every night can also cause physical stress which further reduces your metabolic efficiency. In short, if you want to melt away those extra inches, you have to give your “fat burning machine” the rest that it needs.

    How can you get better sleep at night?

    No Gadgets – If you are going to sleep, leave your tablet computer and smartphone on the bedside table or even farther away. Watching TV is also a bad idea as it makes your mind more active, making sleep harder to come.

    Aromatherapy – Starting with the ability to relax your mind and body, aromatherapy can vastly improve your sleep habits. Getting to sleep, staying asleep, the quality of sleep you are getting, and the ability to wake up refreshed are all quality sleep habits that aromatherapy can help you with.

    Lights Off – Current research shows that having even a small amount of light present during bedtime can affect sleep quality. It appears that we instinctually associate any form of light with sunlight and therefore, wakefulness.

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    Source by Josee Smith

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  • Book Summary: The Millionaire Messenger: Make a Difference and a Fortune Sharing by Brendon Burchard

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    I read this book sitting in a Thai food restaurant on the Oregon coast. The food was outstanding and what was very interesting was the fact that at the cash register there was a book and DVD set talking about going to college for free. The author was a young guy who graduated from Harvard. The whole book series was designed to show college students and parents how to find money to pay for college. Come to find out the author was the restaurant owner’s son. This is a classic example of the Millionaire Messenger in action.

    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 life. The best way to financial freedom is through a business. Now most people cannot simply quit their jobs and to start a new business. Typically you need to work your job and your new business until you have enough sustainable revenue to take your business full time. The Expert Industry is a caring community of people who share their advice and knowledge with the world and get paid for it.

    You may be thinking I am not an expert in anything. This mindset has everything to do with Self-Esteem & Self-Confidence. Brendon addresses these concerns in the book. Think about this – every person has a unique finger print and unique life experiences. Those experiences with additional research can yield you an expert.

    I want to start with a potential example of being an expert in something. I have a good friend of mine that has been doing cement work for over 20 years. He does this with his four brothers. He does not think of himself as an expert. Have you ever considered how successful Home Depot is as business? They cater to the do it yourself community. My friend could simply film different cement jobs and sell them as a do it yourself venture. It would look like this:

    1. Create simple how to videos on the basics and give them away for free.

    2. Create a deeper video series on how to do a full patio, sidewalk or stairs and sell it with a checklist manual.

    3. Offer paid for consulting for job layouts with customers.

    4. Take high priced large concrete jobs that are above the do it yourself community and name your price.

    This is a simple example of releasing 100 years of combined cement expertise that could easily be parlayed into a seven figure business model.

    The Millionaire Messenger is packed with great how to advice. For the sake of time, I am going to chat about the 9 reasons you should consider unlocking your knowledge and passion in the expert business.

    1. Your work is based entirely on your passion and knowledge. This is really important because it no longer seems like work when you wake up each morning doing what you love.

    2. Relating and Creating – Your work activities center around gaining trust and relating to your audience as well as creating useful content that add real value to their lives.

    3. Anytime / Anywhere – Creating information how to products allows you the comfort of working on your schedule from anywhere. I can tell you from personal experience that setting up your business to do this one great step toward personal freedom.

    4. Work with who you want – This is a big deal because stress statistics show that stress related illness is interconnected with who you work with or bad working relationships in general.

    5. Promotions based on promos – The amount of money you make is directly related to the promotional efforts you put into marketing your content. This is all up to you and your work ethic.

    6. Pay equals value – This is the strongest and most relevant point in the book. If you deliver great value, people will pay you for it and you can decide what to charge. You are not trading hours of your life for dollars.

    7. Small Teams – You do not need a big team to do this. You can outsource several of these steps so that your payroll does not spiral out of control. There are information marketers that make millions of dollars a year with very little staff.

    8. Tools are cheap – Technology today really is cheap. There are so many excellent software packages that are free that you can craft your whole infrastructure for next to nothing.

    9. Financial Income can beat that of other industries. There are six ways to market your stuff and each has a different price point. The best business models are summed up in one phrase – “one to many”. Creating something once and selling it over and over is the true key to unlocking the wealth puzzle.

    The Millionaire Messenger is a good book that will give you the direction you need and the questions required to get you on the path to personal wealth and freedom.

    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 one to many. When crafting your business model or tweaking an existing model, remember to leverage the power of “one to many.” In our software business, we create a software module once and sell it many times. This is how Microsoft and Oracle generate billions of dollars each year.

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    Source by Joe Mosed

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  • Should I Still Be Saying "I Love You" To My Separated Spouse?

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    When you are in the middle of a separation that you never wanted in the first place, it can be tempting to want to remind your spouse that they are still married to someone who still loves them very much. I know first hand that there can be a real worry that if they are outside of your presence, they will begin to forget what they loved about you. Or they will find that the phrase “out of sight, out of mind” is actually true.

    So it may be your normal inclination to tell your separated spouse that you love them every time you talk with or see them. And this is absolutely fine – so long as you are getting an enthusiastic response in reply. Unfortunately, this is not always the case.

    A wife might say: “I know that it sounds desperate and needy. But I can not help it. Every time I talk to my separated husband, I tell him that I love him right before we hang up. I have done this for all the years that I have known him and old habits die hard. At the beginning of our separation, this seemed OK. But the last couple of times, I’ve noticed that he has hesitated before he gives a response. Last night, he didn’t say anything in response. I don’t mean to be dense. Obviously, he probably thinks that I am doing something wrong or he doesn’t want to hear me tell him that I love him during the separation. But not saying it feels like a lie. It feels like playing games or holding back. Am I supposed to pretend that I don’t love him? Because I find that ridiculous. I do love him. And it seems silly to me that I am not supposed to say it every day in the same way that I have for many years. Do I have to stop?”

    That is really up to you. I would never tell someone what to do during their marriage or during their separation. I can tell you what came to be my opinion as the result of a similar situation that I was in. But, I know that all situations are different. So I can’t say that what worked for me will work for you.

    But, during my own separation, it eventually became very clear that my husband was not receptive to me acting in the same way that I did while we were still happily married. When I tried to act as if we were any other married couple or that nothing was wrong, he would act distant or he would start to avoid me. If I pushed, it would get even worse and I would have to work very hard to even get him to take my calls. Frankly, there were times when I could almost literally feel him wince when I told him I loved him.

    As hard as it was to accept, I started to realize that if I didn’t change some things, I might be making this situation a whole lot worse. So I made a conscious decision to back off some. Did this mean I didn’t love my husband? No, if anything, I loved him just as much if not more. But I knew that if I was going to have a chance to maintain that love, I was going to have to find the strategy that brought him closer to me rather than pushing further away.

    And when I tried to push my love on to him, this definitely made him pull further away. So, I toned down my demonstrations and declarations of love. I told myself that this was only temporary, but it was difficult. Still, I knew what was most important was my long term goal and not my declarations of love in the moment.

    My backing off did eventually make things better because it eventually made my husband more receptive to me again. And his being receptive to me meant that we got to spend more time together – which never would have happened if I had continued on with my pushing.

    I can’t tell you what will work in your own situation. I can only suggest that if you notice something not working, then it sometimes makes sense to test out something else – if only once. Perhaps next time you talk to your husband and it is time to sign off, you might try something like: “tonight, I’m not going to insist that I love you, even though I do. I sense that it makes you uncomfortable. But I didn’t want you to think that I was angry or anything. I’m just trying to respect your wishes and not push.”

    At this point, your husband could reassure you that the loving phrases are fine. Or, he may not say anything – in which case his silence speaks volumes. If you do decide to back off and you find that the next time you talk, he seems more comfortable, then you may speculate that backing off a little has helped.

    I know that it might seem weird and almost dishonest to hold back with your own spouse. But a separation can be a very fragile time in a relationship – especially when one spouse has asked for space or isn’t sure what he wants. It become my opinion that if backing off a little is what it took for my husband to eventually be available to me, I was willing to pay that price at the time. Because I knew that it was part of a long-term strategy that was going to mean that I wouldn’t have to hold back once we reconciled.

    Today, I tell him that I love him all of the time, so holding off was worth it to me. And I believe it helped. But every situation is different. In some situations, both spouses are perfectly comfortable with still saying they love one another. And that’s wonderful. But it was not my reality. Still, if every one is happy, then I don’t see any reason to hold back.

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    Source by Leslie Cane

    Views: 0

  • Mindset = Being Organized

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    I think we can all agree that we hate clutter. We hate it so much we pretend it doesn’t exist. Sometimes we even hide ourselves from the world because we’re afraid of what others may think about us because of it. Being unorganized or having a home full of clutter, which we hate to admit, is thankfully something we can overcome. From experience, all it takes is patience, vulnerability and an open mind to achieve what we want in our homes and in our lives.

    Today I’m going to give you 5 simple and modern-day tips on how to change your mindset so you can become more organized.

    TIP #1: Start small

    For some reason our brains are wired to believe that we MUST complete an entire project at once. Have you ever wondered why none of your tasks or projects ever gets done on time? I bet one of the reasons may be because the project you took on was way to BIG to complete and because you were so overwhelmed, you failed to finish. Not anymore! By starting small, whether it is organizing your pen cup to completing a major project, you will avoid the stress of fulfilling that task and find yourself finishing quickly and punctually.

    TIP #2: Listen to organizing podcasts

    One of the best things you can do in the morning or as you’re driving is to stimulate your mind by listening to things that arouse your mental and physical growth. I’ve noticed in my own life and others around me that doing so has made a world of positive change in our lives. Organizing podcasts like Organize 365 or A Slob Comes Clean are 2 podcasts that have kept me motivated in times when I was lacking. One of the secrets to truly changing your lifestyle is to change our mentality and by incorporating these simple methods in your life, you will get there in no time.

    TIP #3: Create a Checklist

    This may sound cliché but to-do lists really do work – of course only if you use them. As I mentioned above, clutter is a bi%#* and in order to combat it, you will have to tackle it head on in small intervals. Here are 2 examples how checklists can be effective in helping you stay organized. 1) By using a checklist to plan out the tasks you need to accomplish at home after work, will prevent you from being overwhelmed after a stressful day 2) An effective checklist will only have your priority tasks therefore you will know exactly what needs to be done to maintain order. Checklist, lists, to-do list, plans, whatever you want to call them is a habit that needs to be implemented in your life so getting organized and staying organized can become second nature.

    TIP #4: Keep things you Truly Love

    Here are a few common responses I’ve heard when it comes to this topic:

    I love everything in my home and there’s no way I can get rid of anything! All of my stuff has a meaning behind them! Here’s a better one. I’ve spent so much money and I haven’t even worn it yet! – But it’s been 2 years…

    These are just a few examples of statements my clients have said to me when I’d suggest they should only keep things in their home they truly loved. Let me explain what this really means. Lets start with an example. We love our family (our immediate family) and though we may have favorites (wink) we love them so unconditionally that we couldn’t live a day without them. This is the type of feeling I believe you should have for the items in your home. You love your pen so much; the mere thought of it not being in your possession is utter mayhem. If you don’t have this feeling towards the items in your home then it’s probably time to part ways with it. I’d be happy to witness the department!

    TIP #5: Make it a Habit

    New studies show it takes 2-8 months to form a new habit. I know that seems like an abnormal amount of time – at least to getting organized but this is actually great news. Creating new habits shouldn’t be viewed as one and done rather as a process that will create a better outcome. Committing to an organizing system and practicing it thoroughly, though you may have hiccups, will create a positive mind and improve your organizing skills.

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    Source by Judi Igwe

    Views: 0

  • Tony Robbins – Personal Power II – Day 17 – Wealth Conditioning

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    “Money is nothing but a means to measure the exchange of value between people.”

    ~ Tony Robbins

    Many of us have pain associated with wealth in an approach/avoidance dance. Because of events in our past, we can call these “wealth wounds”. There can be lots of sensitivity about financial issues and so if these wounds are not healed, it is impossible to gain a ton of financial resources.

    Generally speaking, poverty and lack brings out the worst in people and abundance brings out the best. People who are living in poverty tend to have the highest criminal records, the most drug use and the most unhappiness. Being one of the consistently broke group of people doesn’t help you or the group. You can do more good by becoming wealthy in order to be able to give back.

    There are seven reasons why most people never make it financially.

    1). They associate negative things to having or making money. Remember, the past does not equal the future.

    2). They do not set having an abundance of money as an absolute must. Unless we decide what is a necessity, not an option, how can there be any improvement?

    3). Having an effective strategy of building wealth is non-existent for them. To condition yourself for great wealth, strategies must be developed for

    • attracting money into your life
    • managing your dollars
    • sharing your money, which will give you much happiness

    4). They are unable to follow through consistently on their financial goals. Finding ways for your money to work for you, such as harnessing compound interest which can take a lot of pressure off if you have time to watch it grow.

    5). They depend too much on the “experts.” There is no one who cares more about your money than you do. Experts are valuable, but you need to take care of your money and taxes. If you make errors in these types of decisions and planning, you will be ultimately responsible, not your professional.

    6). They become financially complacent. Many people take their wealth for granted. Whatever you fail to use, you will lose. It is a good idea to note that if you do well with what you have, you’ll be able to get more and, if you don’t actively create welth, itwhat you have will be taken from us. Don’t hoard what you have.

    7). They allow financial challenges go from bad to worse into financial ruin. Most likely, the road to wealth is not a straight line. If and when problems arise, stay in the game and ask great questions to help get back on track.

    Be willing to transform crisis into opportunity. By having financial faith, you can learn from the situation and find even more opportunities.

    The assignment:

    Give yourself a financial checkup to find out your “wealth wounds” so you can heal yourself quickly:

    1). Ask yourself to list the beliefs that you have that hold you back.

    2). Is there a specific amount of money that is an absolute MUST? Is this number the “must” for your life, or is this number the ability to live comfortably by paying your current bills?

    3). “Never leave the site of setting a goal or making a decision without taking some action towards its fulfillment. Make sure you do some action to set you on the course for financial mastery.

    4). Find something in today’s session to start feeling like you’re making progress. Remember, tiny actions lead to a pattern of habits which ultimately can be used to create the financial freedom we all deserve.

    5). You can make a list of financial terms or aspects of financial management that are not fully understood. Find the people or resources who cn provide answers about these things.

    6). Remember we talked about complacency? Write a paragraph about the “why” you will follow through with your plan and avoid complacency. Recognize the excuses you used in the past. Mastery is the only option now.

    7). Ultimately, what frees us from fear, is the belief that we are much more than anything that could ever happen to us financially. Write down one or two situations that seemed very difficult that you pulled yourself through. Remind yourself that you have this capacity to turn challenges into success.

    Sometimes our “wealth wounds” are most tender to try and heal, but the good news is that there are ways to heal them. One way is to find someone who has successfully gotten where you’d like to be. You can “model” after their example if you find out exactly what they did and then follow that pattern.

    Taking the time to do these exercises will teach you more about yourself. Fine tuning the skills in this lesson will provide additional ways to condition yourself for success.

    Onward.

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    Source by Deb Bauer

    Views: 0

  • Weight Loss – How I Went From 340 to 199 Pounds, Part 1

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    I spent two years losing over 140 pounds the old fashioned way: proper diet and exercise. No fads. No pills. No surgery. No crazy machines. I was 30 years old and 340 pounds. With a history of heart disease and obesity in my family, I decided it was time to shed the pounds.

    Almost every day I get people I haven’t seen in years coming up to me saying “Wow! You look great!” and then the next question… “What have you been doing?” That’s why I wrote this article.

    Disclaimer

    Now, of course, as a general disclaimer, I have to say that the tips I’m sharing with you here are just from my own personal experience. I’m not a professional health expert – although over the past couple of years I’ve read dozens of books, and hundreds of articles on nutrition, exercise, and weight lifting. I’m not a doctor. You should, of course, seek your own doctor’s advice before starting any kind of a weight-loss or exercise plan. I firmly believe that with the right diet and proper exercise, almost anyone should be able to lose weight and get fit safely.

    Tip 1. It’s All About Calories

    First, the bad news. Weight gain and loss is directly tied to the amount of calories you eat versus the calories you expend through exercise. What’s a calorie?

    A calorie is a unit of heat energy. Specifically, it’s the amount of heat energy required to raise 1 gram of water by 1 degree Celsius. How this relates to your body is that when you eat food, the food molecules are broken down chemically and that energy is either used by your body to perform work (like building muscle, or constructing new cells) or is stored (as fat). If you take in more calories than you burn, you will start to get fat.

    Now, in the world of calories, it takes 3500 calories to equal one pound of body weight. So, if you take in an extra 3500 calories in your diet this week without exercising, congratulations… you’ve just gained one pound (probably all body fat). The good news is that you can lose one pound of fat by either removing 3500 calories from your diet, or adding 3500 calories of exercise to your weekly schedule, or a combination of the two.

    What’s 3500 calories? It’s actually not much if you’re eating the wrong kinds of food. You can consume 3500 calories in one meal if you eat two Double Whoppers (1010 calories each), a King Size order of french fries (590), a King Size onion rings (600), and a chocolate shake (440). Don’t laugh… this is what I used to eat for dinner if my family went to Burger King… or something similarly outrageous.

    So the bottom line here is that if you want to lose weight, you have to create a calorie deficit. That means you have to burn off more calories than you eat. You had to eat more calories than you burned to get fat… now you have to reduce the calories to get lean. It’s that simple. In order to know how many calories you’re taking in and burning off, you need to write them down.

    Tip 2. Eat Frequently Throughout the Day

    Think of your body as a furnace. You want your furnace to burn fuel as efficiently as possible. In order for that to happen, you need to let it burn hot and steady throughout the day.

    You need to stoke your fire often to keep it burning. Keep your metabolism running all day long by eating every 3 to 4 hours. My personal tip: I eat on hours evenly divisible by 3. That means breakfast at 9am (if I’m up that early), lunch at noon, a snack at 3pm, dinner at 6pm, a snack at 9pm, and if I’m still up another snack at midnight.

    Now, I personally work late (I usually get most of my “real work” done between the hours of 10pm and 2am) but if you need to eat at different hours, that’s fine… Just take the total number of calories you’re going to eat throughout the day and divvy them up into 3-hour intervals. Keep that fire stoked! If you can’t take a break at work to eat every 3 hours, bring a protein bar with you.

    If you skip breakfast, then you’re extremely hungry by the time lunch comes around. Skip lunch, and you’re more likely to gorge yourself at dinner. Why? Your body is saying, “Hey! I need food badly!” If you feed yourself often, throughout the day, your body doesn’t go into shock, and you won’t get those wild cravings and hunger pangs when it’s time to eat.

    Tip 3. Start a Food & Exercise Journal

    Don’t just dismiss this section. I did! The first couple of times I read about doing this in fitness and weight-loss books, I said to myself, “I don’t have the time to do this.” But you know what – it really works!

    I cannot stress how important it is to write everything down that you eat. All you need is a little notebook. Make four columns: what you ate, how much of it you ate, how many calories were in it, and what time of the day you ate it. It’s that simple. Also write down any exercise or other activities that are more strenuous than just sitting around.

    Taking the time to recognize what you’re eating is the first step to losing weight. A lot of people truly don’t realize how much crap they’re eating. When I first started doing this – and writing down everything I was eating – it really opened my eyes to the volumes of junk food I was eating before. I was a slave to cookies, chocolate, chicken wings, and pizza. When I first took the time to look up the fact that a chicken wing has 150 calories in it (yes, one wing), I was astounded. I used to eat 20 wings and 2 or 3 slices of pizza for dinner.

    Now you can get yourself one of those little calorie counter booklets from your favorite book store. Sometimes you’ll even see them in the grocery store. They’re invaluable. Once you get to know the foods you eat on a regular basis, keeping track of what you eat is really quite simple. You will gain a better appreciation for what you’re putting in your body.

    So please, please, please, take my advice and journal everything you eat. You do NOT have to do this for the rest of your life… just until you hit your goal weight. By that time, you’ll be able to keep a good mental track of what you’re eating, and you’ll be more aware of what you should eat, and how much exercise you should be getting every week.

    Also, you do not have to obsess over every little calorie! Counting your calories can be as detailed as you like. If you want to track every last celery stick, by all means do so. However, you can just round your calories off to the nearest 10, or 20. Don’t worry whether or not something contains 24 or 26 calories. In the end, it doesn’t make that much of a difference… but whether something has 100 or 200 calories does.

    The important thing… and I cannot stress this enough… is write everything down!

    Tip 4. Eat The Right Amount of Calories

    We’re not going to starve ourselves! In fact, proper weight loss is best accomplished by eating more frequently than you’re probably used to! Let me say that again: you’re going to eat more food than you are right now. You’re going to eat better food, more often, but at a lower calorie intake. If you’re like I used to be, you’re probably skipping breakfast. This means that when lunchtime comes around, you’re starving, so you probably overeat the wrong kinds of food (like pizza, wings, Chinese, etc.) for lunch – and I’ll bet it’s fast food or takeout. Then, you don’t eat anything again for six to eight hours, and pack in a monster dinner.

    Now here’s what happens: your body isn’t getting any food first thing in the morning, so your metabolism isn’t getting started. Your “calorie-burning fire” doesn’t get started in the morning, so you’re not really burning as many calories as you should be. Also, your body is saying, “uh, oh – I’m not getting any food. I better hold on to whatever body fat I can because we’re starving!” This is bad. If you don’t eat enough food, often enough, your body will basically go into starvation mode and hang on to whatever body fat it can.

    The key to unlocking your stored fat is to feed yourself enough good food so that your body doesn’t need to store any additional fat, while at the same time getting plenty of exercise and strength training to burn whatever fat you currently have and build muscle.

    There are a bunch of factors that go into calculating metabolic rates and all that jazz, but you can use this chart as a basic measurement of how many calories you should be eating as part of your weight-loss diet. Notice it’s based on your current weight and your gender. Women need fewer calories then do men. Also, if you’re a smaller person, you need less energy than a larger person. Use this chart to determine how many calories you should be eating on a daily basis.

    WOMEN

    Under 130: 1000 Calories

    130-150: 1200 Calories

    151-200: 1400 Calories

    201-250: 1600 Calories

    251-300: 1800 Calories

    301-350: 2000 Calories

    351-400: 2200 Calories

    MEN

    Under 130: 1200 Calories

    130-150: 1400 Calories

    151-200: 1600 Calories

    201-250: 1800 Calories

    251-300: 2000 Calories

    301-350: 2200 Calories

    351-400: 2400 Calories

    Now here’s something that’s vitally important… you want to make sure you get enough calories every day, otherwise your body will go into “starvation” mode. You want to make sure that you eat your meals at least four times a day to keep your metabolism running. If you don’t eat, your body will go into starvation mode. It will realize that it’s not getting enough food, and will hold on to body fat. It’s important to get enough calories spaced throughout the day to keep your fire stoked. Don’t think that by starving yourself you’re going to lose weight. It will be the wrong kind of weight. Remember, your body will eat it’s own muscle tissue first before burning fat if it doesn’t have enough protein.

    Tip 5. Send Yourself to Boot Camp

    Now, if you want to jump start your body on its way to fast weight loss, here’s what you’re going to do. Ignore the charts above, and drop yourself right down to a 1000-calorie-per-day diet immediately. In addition, make sure you get at least 15 minutes of walking (or some other easy, basic, extra exercise) in every day as well.

    You will do this for exactly two weeks… no more… no less. Then, you will go back to eating the normal amount of calories as indicated on the chart above.

    It’s not going to be easy. You won’t be able to eat any junk food for these first two weeks. You can, however, eat plenty of good foods – chicken, salads, whole grain breads, etc. It won’t be easy, but once you get through it, you’ll be able to add lots of calories back in to your diet, and feel more normal again… in fact, after eating only 1000 calories for two weeks, you’ll probably have a hard time bringing yourself back up to 2000 calories (or whatever you should be at).

    Here’s why this works: dropping your calorie intake down to 1000 calories will shock your body into new eating habits. You will cleanse your body of toxins (like those monster grease burgers you’ve been eating) and get some good, healthy food in you. You will notice weight loss after the first couple of days, but you’ll be keeping your energy up by eating good foods at regular intervals. You can stop any cravings you’re having with water, or add some extra veggies in there – you can eat just about as much green vegetables as you want.

    Tip 6. Don’t Think “Fat Free” Means “Calorie Free”

    Everywhere you look, it seems that “low fat” foods abound. While there are certain low-fat or no-fat foods that we are going to eat, you don’t want to restrict yourself to a totally no-fat diet. There are certain fats that are good fats, and other that are bad fats. We’re going to want to eat good fats because they are necessary for proper health. Bad fats, however, will make you fat.

    There are tons of fad “no-fat” diets out there that have promoted the whole “low-fat” mentality. What’s happened? People are still continuing to get fat eating “fat-free” foods. They eat fat-free cookies, fat-free chips, and fat-free dairy products, yet they keep getting fatter. Why? Many fat-free foods have nearly as many calories as their full-fat versions.

    Now, you start eating “fat free” potato chips thinking to yourself that you can splurge… hey, why not? They’re “fat free.” Well, you still load on the calories with fat-free potato chips. It’s the calories that make you fat. In fact, when food manufacturers remove fat from their products, often times they replace the fat with sugar to improve the taste. Guess what… by adding sugar, they’re bringing the calorie count almost back up to where the full-fat product was.

    We need fat. Fat forms lining of the cell membranes in almost every cell of our bodies. Your brain is composed primarily of fat. If you don’t eat enough of the right kinds of fat, your brain will not get the proper nutrition to function. Eating too little fat can also reduce your testosterone levels (equally important for women as for men).

    Tip 7. Know Your Fats

    Saturated Fats are bad for you. They are found mostly in beef, milk, cheese, deli meats, butter, and some tropical oils. Saturated fats increase your risk of coronary artery disease, diabetes, and obesity. Avoid or minimize saturated fat intake. Try to eat low-fat meats like chicken and turkey without the skin, and reduced-fat dairy products. If you’re eating red mean, get the lowest-fat, leanest meat you can.

    Trans Fats are saturated fats that are extremely bad for you. You should completely eliminate all foods with trans fats in them from your diet. These types of unnatural fats are created during food manufacturing processes such as the hydrogenation of vegetable oil. They are usually found in pastries, buns, chips, doughnuts, shortening, and other such foods. If the label says “trans fat” put that product back on the shelf. If the ingredients of any product say “partially hydrogenated” anywhere on it – put it back. One example: margarine! It’s evil. It’s loaded with trans-fatty acids. Avoid it at all costs. Also avoid vegetable shortening, commercial pasties, deep-fried food, and most prepared snacks, mixes, and convenience foods.

    Studies have shown that saturated and trans fats are actually addictive and make you want to eat more. They have also been linked to all kinds of health problems from cancer and heart disease to diabetes.

    Unsaturated Fats, on the other hand, are generally good for you. These types of fats are usually found in nuts, seeds, fish, and grains. Mono-unsaturated fats, such as the types found in olive and canola oil, will actually protect your cardiovascular system from disease. These are the types of fats we’re going to load into our diet.

    – Good fats: almonds, avocado, cashews, flax oil, olive oil, olives, peanut butter, peanuts, fresh fish (salmon, mackerel, tuna)

    – Bad fats: butter, coconut, corn oil, cream cheese, half-and-half, lard, mayonnaise, shortening, sour cream

    Keep in mind that you need fats in your diet, but even the good fats listed above have a good amount of calories in them – so take it easy! A tablespoon of olive oil, for example, as 100 calories. Almonds (which I love to snack on) have 6 calories a piece. Nuts are a great, healthy-fat snack – but just make sure to take a small handful not the whole bag!

    Tip 8. Add Omega 3 Fatty Acids to Your Diet

    Omega fats are unsaturated fats that are not only good for you, but they’re essential for your health. Your body cannot create these fats, so you must get them totally from your diet. Omega fats are helpful for many reasons, plus they are necessary for normal cell growth and development.

    First, Omega fats are an excellent appetite suppressant. Part of the reason why people binge on “fat-free” foods is because fat is what makes your stomach “feel full.” If you aren’t eating any fat in your meal, your stomach never tells your brain that you’re full. Add a little good fat to your meal, and you’ll feel full with less food.

    Eating Omega fats helps your body to unlock stored fat so that you can use it for energy. Omega fat balances your body’s ratio of insulin to glucagon. When you eat sugary foods, your body releases insulin to remove the excess sugar from your system. If you do this too often, the insulin will block the hormone glucagon – which is another hormone that functions to help your body burn fat. Too much sugar = too much insulin = not enough glucagon = little fat burning. Plus, you are at risk for diabetes. Omega fats help to balance this ratio.

    Omega fats help to boost your body’s metabolic rate. This also helps you to burn more calories. Omega fats are the building blocks of your cells. Your cell membranes consist of Omega fats. Since they cannot be created by the body, you must get them from your diet.

    A specific fat, Omega 3 Fatty Acid, is obtained from flax seeds or flax seed oil. This will be the primary fat that we’ll add to our meals. You can use it on salads and in breads, add it to soups and yogurt. Don’t cook with it, however, as the heat will change it’s chemical properties. You will also find good doses of Omega 3 in most seafood, green leavy vegetables, fatty fish (salmon, tuna, trout, mackerel), walnuts, olive, and canola oil.

    Have fish for dinner at least twice a week – and I don’t mean your beer-battered, fried haddock that the local pub serves on Fridays. Pick a fish like salmon, tuna, or mackerel. Bake or grill them – don’t fry them. They have very high concentrations of Omega 3 fatty acids in them. Add flax oil to your salads instead of fatty dressings. Snack on walnuts or almonds instead of cookies and chocolate. You will feel full sooner, and you’ll be adding essential fatty acids to your diet to help burn calories!

    Tip 9. Get Plenty of Protein

    Proteins are the building blocks for your body. You need to eat lots of protein for your body to build, repair, and maintain your muscle and other lean tissues. If you don’t eat enough protein, your body will break down muscle tissue, which is bad, to maintain itself. As a result, your metabolism will slow, and you won’t burn body fat. Unlike fat or glucose, there’s nowhere in our bodies to store protein (aside from building muscle tissue) so you have to get a lot from your diet.

    How much protein should you eat? Most people should eat about 0.4 to 0.8 grams of protein per pound of body weight. Therefore, if you weigh 200 pounds, you should be eating between 80 and 160 grams of protein per day. This isn’t hard to do. Eat two eggs for breakfast, and an 8-ounce serving of chicken for dinner, and you’re at 60 grams of protein right there.

    What kinds of protein should you eat? I like fish, chicken (white meat), turkey (white meat), soy products, beans, legumes, and eggs (whites only – yokes have a lot of fat). Soy products are a great source of protein… once you get used to the taste. I have totally switched from regular milk to soy milk. It has all the calcium, much less of the saturated fat, and none of the cholesterol of normal milk (even skim milk!)

    Eat fish twice a week, chicken twice a week, turkey once a week, a vegetarian meal once a week, and then on that seventh day, go ahead and splurge with the pork or beef… just take it easy. Just make sure you choose lean sirloin cuts. Trim off any fat. Beef has a lot of saturated fat in it (it’s marbled throughout the meat so you can’t just cut it off). Beef is the worst meat for you – as compared to the other popular meats.

    – Good protein: beans (any kind), eggs (preferably whites – yolks have a lot of fat), chicken (white meat, no skin), turkey (white meat, no skin), salmon (preferably not farmed), tuna (packed in water, not oil), mahi mahi, any shellfish, any soy products.

    – Bad protein: bacon, ham, hot dogs, beef, pork, lamb, veal.

    In part 2 of this article, you’ll read about nine more tips to lose weight.

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    Source by Richard Rost

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