Master Evernote – S J Scott

Master Evernote -  J S Scott

There are a few reasons you should create an !Inbox notebook. First, keeping the notebook at the top of your list will remind you that you need to go through it on a daily basis to tag notes and move them to their proper places.

!Action Notebook
!Ideas

As an example, my stacks include the following: Internet Business, Travel, Personal, Financial and Health.Idea

#36: Keep Copies of Everything You Sign

Idea #49: Clip Restaurant Ideas

Idea #55: Create a Gift Idea Database

Idea #56: Create a Spiritual Guide

More Than Enough – Dave Ramsey

More Than Enough - Dave Ramsey

I have realized that the lessons money teaches us are no only financial, they are spiritual; they create new character qualities; and they will improve your relationship with your spouse, family, and loved ones.  After more than five thousand hours of answering financial questions on “The Money Game” I have seen again and again that money is just the method that the Great Teacher has chosen to expose and correct our flaws as well as give us “ataboys” for a job well done.

Do you feel like I am going overboard?  I’m not if you want excellence in your life, relationships, and finances. You see, if you want uncommon results you have to think and do thinks that are uncommon.  If you want things you have never had, you have to do things you have never done.  Vince Lombardi said “The quality of a person’s life is in direct proportion to their commitment to excellence, regardless of their chosen field of endeavour”.

Albert Schweitzer said: “Man must cease attributing his problems to his environment, and learn again to exercise his will, his personal responsibility”.  Enough whining, I am sick of whining… Whining is a sign of lack of character on your part.

When bad stuff happens resist the human urge to blame and instead join the elite group called the doers.

I have had she-bears get violent with me for suggesting that purchasing $178 tennis shoes while the electric bill is not paid is stupid.  There is an old Danish proverb that says if you give a child everything he wants he cries and a pig everything he wants when he grunts you will have a fine pig and a sorry child.

James Baldwin says that children have never been very good at listening to their elders, but they have never failed to imitate them.

Ready for a test?

  1. What missing or twisted value has been holding me back?
  2. What could I do this week that would give me more connection to my spouse, my child or my best friend?
  3. Are there any ways that I could better show my boss my loyalty tom job and my coworkers?
  4. What activities am I involved in that I could fire myself from that would simplify my life?

Proverbs 9:18 says “Where there is no vision, the people perish” Perish as in die? YES.

The six figure earners all think in five year blocks or more of time. They are very unconcerned about today except for how today is a building block toward their vision, which may not be fully realized for another twenty years.  They think long term in all decisions.  Six figure earners think about the long term implications of every move they make and don’t make those moves unless they move them one step closer to their vision.

Short term thinking is why the poor get poorer.

Vision will make you an investor instead of a consumer; it will make you think ahead five, ten, or twenty years instead of only thinking about today or tomorrow.

Separating your money when you live in a couple only put you in the spiritual and emotional position of separation: You remember, what do you do right before divorce?

Patrick Overton: “When we walk to the edge of all the light we have and take that step into the darkness of the unknown, we must believe that one of two things will happen, there will be something solid for us to stand on, or God will teach us how to fly”.  Hope moves us forward when logic and energy are gone.  Hope is a motivator.

Soup is good for you:  Go to your local homeless shelter and volunteer to serve soup.  Take your mate and your kids with you; it will do the family good to reset the view of reality.

Most folks don’t know what real problems are, and the serving of soup will make you ashamed for having worried about whether there was enough in the budget to gibe Barky the schnauzer a haircut.

*Use a symbol of hope: Be it a light house or something else as a way to raise your chin toward heaven when you lose directions.

Sharon and I have made a pact that nothing major financially will be done without agreement with the other.

So if you are trying to get your wife to share in budgeting and planning you need o treat her with respect.  Try approaching her like this:

  • Honey, I’d really like to have your advice on our budget.
  • We need to think about how we are going to save money, but I cannot do this without you.
  • Our future is important, and both of us need to plan it together.

Andrew Carnegie said: “The average person puts only 25 percent of his energy and ability into his work.  The word takes off its hat to those who put in more than 50 percent, and will stand on its head for those few and far between souls who devote 100 percent”

“What is the first requirement for success?” Thomas Edison was asked. His answer? It is “the ability to apply your physical and mental energies to one problem incessantly without growing weary”. If you get up at 7 AM and go to bed at 11 PM, you have put in sixteen good hours, and it is certain with most men that they have been doing something all the time.  The only trouble is that they do it about a great many things, and I do it about one.  If they took the time in question and applied it in one direction, to one object, they would succeed”.

Focus has the power to create permanent change where nothing else will or can.  You can focus. You can endure anything for a short period of time. Six months, a year, or even eighteen months, compared with the rest of your life it is a very short period of time.  

The mother of more: Momentum.

Voltaire said: “Work keeps us from three evils: boredom, vice, and poverty”.

Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.  Diligence is not just showing up, or just showing up every day; diligence is showing up every day with Excellence.

St. Ambrose said: “Work like it all depends on you and pray like all depends on God”.  Prayer is vital, but God is not in the business of rewarding lazy.

Jim Rohn says: “You will build more wealth if you trick yourself into discipline.  The pain of discipline weighs ounces, but regret weighs tons”

Teach the children: There has never been a child born who gets up every morning, makes his bed, cleans his room and brushes his teeth without instruction.  By removing work from a child’s life you cripple them.

It would be a shame for any of us to have discipline in just one area such as building up wealth and not have the health to enjoy it, the relationships with spouse and family to share it.

Patience is golden because it will increase the satisfaction you take from achieving your goals and desires.  And patience is golden because it is formed from heat much like pure gold is.  To purify gold the goldsmith of old would stoke the fire to bring the gold to a boil, and as the gold boiled the dross, the impurities, would rise to the top. The goldsmith would skim off the junk until he could see himself.  Problems that we face, the heat of life, make the junk come to the surface, and God skims the junk out of our lives until He can look at us and see some of Himself.

A lack of patience causes debt.

Patience is growing up.  Patience knows that one definitions of maturity is learning to delay pleasure.

Patience will cause you to build wealth because you are willing to save and pay cash instead of borrow.  When you don’t have any payments it is easy to save and invest enough to become wealthy in just a few years.

The Goose with the Golden Egg: they were becoming steadily wealthy, then greed kicked in, now they had no goose and no more eggs.

** If you are not listening to your spouse sit down tonight for at least twenty minutes to talk and listen.  Remember to listen even if you don’t care about the curtains she wants to buy.  Chose one night each week when the two of you will forgo TV and listen to each other.  Learn the count-to-five rule.

Try letting the kids plan one Saturday a moth. Yes, you may end up sitting through some activities you’d rather not, but you will not only learn patience, you will also gain years of memories and shared time with your children.

When you have contentment you can easily get out of debt.  When you have contentment you can easily save and invest.  When you are content it changes your giving habits and your relationships.  When you are content it brings an inner strength that will push you into another zone.  You are able to move fast or slow, and you are able to have patience or intensity when you are content.  Contentment is a magnificent personal gift.

Contentment is not apathy and yet we often confuse the two.

What is that causes one couple to be able to prosper on an annual income of $35.000 while the other is heading toward bankruptcy with over $84.000 in yearly income?

*** Juliet Schor in The Overspend American: Research shows that each added hour of TV viewing per week increases the spending by roughly $200 per year.  So an average level of TV watching of fifteen hours per week equals nearly $3.000 extra spent per year!

The Bible says in Proverbs 28:20 “A faithful man will abound with blessings, but he who hastens to be rich will not go unpunished”.  The reason the get get-rich quick folks are punished, usually by losing their riches, is because character is more important than circumstances in the scope of eternity.  Get-rich-quick folks still need to mold their value system into one that can truly find happiness. They are looking for love in all the wrong places, so the punishment is not for the offence off trying to get rich quick, the punishment is a course of correction so that we learn to look for contentment and happiness  where it can really be found.

In order to have deep, abiding contentment in your financial and relationship decisions, you have to reach the pint you just don’t care what “people” think.  I drive a ten year old car with over 150,000 miles on it and I keep it in near perfect condition.

My pastor told me that his father had to walk 6 miles to work, they would come into the home with dust to his knees from the six mile hike, and he would wash and sit down to eat.  Each night they thanked God of honest work.  My pastor said he never once heard them whine about the circumstances.  Where have those men go? Don’t get me wrong, I don’t want to walk six miles to work, but where have those men gone?  Those were people of deep character who understood that not having everything was not the end of the world.

Hate is not the opposite of love, apathy is.

Why does “giving” work in the formula for more than enough? Giving works because you are designed to be a giving being.  Your wiring schematic is built for giving.  You are made in God’s image and He is a giver; so that means in order for you to be all you can be you must be a giver too.  Your emotions, spirit psyche and even your chemistry are changed to a higher level when you give.  When you give creativity is enhanced.  When you give, passion, joy and intensity come to you like waves crashing at the seashore.

After one of my seminars a pastor approached me.  He said that in 35 years of ministering a large congregation he had never had a couple file for divorce who gave their Christian tenth of their income.

When you give you are getting maximum horsepower out of your personal design.  People who don’t give are stopped up.

You are planting seeds when you give and when you don’t give.  If you plant nothing, by default you planted weeds.  If you plant corn don’t scratch your head and wonder why you got corn. The earth and life will return to you what you plant in great abundance.  The sad thing is that most people don’t plant and are real confused as to why they get a great crop of weeds.  You must plant on purpose what you want, become a farmer for life.

“Money is a terrible master, but an excellent servant”.  If you want to be a powerful giver you should view your wealth as the goose and give the golden eggs.  If you give away the goose, the golden eggs are gone, and so is your ability to help others.  Those of you who think “those nasty rich people should be made to give up the wealth they have earned” are not only stupid, your shortsightedness kills the goose, and the poor are not really helped.

Many off the wealthy understand it is not a privilege, but instead a great responsibility to have wealth.

Andrew Carnegie said: “surplus wealth is a sacred trust which its possessor is bound to ADMINISTER in his lifetime for the GOOD of the COMMUNITY

This release of emotional ownership is called generosity.  The folks who are able to emotionally release the ownership of stuff and feel more like managers don’t worry as much.  This release of ownership virtually guarantees that as you build wealth you won’t become arrogant.  It is very hard to be arrogant about something you manage for someone else ( God ). Remember that is the emotional position those who have more than enough put themselves in.

Prosperity may be a bigger test than poverty when it comes to exposing your weaknesses.  Fear, worry, selfishness, and arrogance are all some people get with wealth.  People who get it know that a firm grip on the money is not the path to happiness and fulfillment.  True prosperity is not wealth, it is “more than enough”, which can include wealth, but must include the loose holding of that wealth.

 

The Power of Habit – Charles Duhigg

The power of habit
“We’ve done experiments where we trained rats to run down a maze until it was a habit, and then we extinguished the habit by changing the placement of the reward,” Ann Graybiel, a scientist at MIT who oversaw many of the basal ganglia experiments, told me. “Then one day, we’ll put the reward in the old place, and put in the rat, and, by golly, the old habit will reemerge right away. Habits never really disappear. They’re encoded into the structures of our brain, and that’s a huge advantage for us, because it would be awful if we had to relearn how to drive after every vacation. The problem is that your brain can’t tell the difference between bad and good habits, and so if you have a bad one, it’s always lurking there, waiting for the right cues and

This explains why it’s so hard to create exercise habits, for instance, or change what we eat. Once we develop a routine of sitting on the couch, rather than running, or snacking whenever we pass a doughnut box, those patterns always remain inside our heads. By the same rule, though, if we learn to create new neurological routines that overpower those behaviors—if we take control of the habit loop—we can force those bad tendencies into the background,

Every McDonald’s, for instance, looks the same—the company deliberately tries to standardize stores’ architecture and what employees say to customers, so everything is a consistent cue to trigger eating routines.

Claude C. Hopkins

“I made for myself a million dollars on Pepsodent,” Hopkins wrote a few years after the product appeared on shelves. The key, he said, was that he had “learned the right human psychology.” That psychology was grounded in two basic rules: First, find a simple and obvious cue. Second, clearly define the rewards. If you get those elements right, Hopkins promised, it was like magic. Look at Pepsodent: He had identified a cue—tooth film—and a reward—beautiful teeth—that had persuaded millions to start a daily ritual.

Studies of people who have successfully started new exercise routines, for instance, show they are more likely to stick with a workout plan if they choose a specific cue, such as running as soon as they get home from work, and a clear reward, such as a beer or an evening of guilt-free television.2.13 Research on dieting says creating new food habits requires a predetermined cue—such as planning menus in advance—and simple rewards for dieters when they stick to their intentions.2.14

This explains why habits are so powerful: They create neurological cravings. Most of the time, these cravings emerge so gradually that we’re not really aware they exist, so we’re often blind to their influence. But as we associate cues with certain rewards, a subconscious craving emerges in our brains that starts the habit loop spinning.

To understand the power of cravings in creating habits, consider how exercise habits emerge. In 2002 researchers at New MexicoStateUniversity wanted to understand why people habitually exercise.2.28 They studied 266 individuals, most of whom worked out at least three times a week. What they found was that many of them had started running or lifting weights almost on a whim, or because they suddenly had free time or wanted to deal with unexpected stresses in their lives. However, the reason they continued—why it became a habit—was because of a specific reward they started to crave.

If you want to start running each morning, it’s essential that you choose a simple cue (like always lacing up your sneakers before breakfast or leaving your running clothes next to your bed) and a clear reward (such as a midday treat, a sense of accomplishment from recording your miles, or the endorphin rush you get from a jog). But countless studies have shown that a cue and a reward, on their own, aren’t enough for a new habit to last. Only when your brain starts expecting the reward—craving the endorphins or sense of accomplishment—will it become automatic

That craving is an essential part of the formula for creating new habits that Claude Hopkins, the Pepsodent ad man, never recognized.

After Pepsodent started dominating the marketplace, researchers at competing companies scrambled to figure out why. What they found was that customers said that if they forgot to use Pepsodent, they realized their mistake because they missed that cool, tingling sensation in their mouths. They expected—they craved—that slight irritation. If it wasn’t there, their mouths didn’t feel clean.

Anyone can use this basic formula to create habits of her or his own. Want to exercise more? Choose a cue, such as going to the gym as soon as you wake up, and a reward, such as a smoothie after each workout. Then think about that smoothie, or about the endorphin rush you’ll feel. Allow yourself to anticipate the reward. Eventually, that craving will make it easier to push through the gym doors every day. Want

Cravings are what drive habits.

In order to change a habit, you must keep the old cue, and deliver the old reward, but insert a new routine. That’s the rule: If you use the same cue, and provide the same reward, you can shift the routine and change the habit. Almost any behavior can be transformed if the cue and reward stay the same.

Small wins are exactly what they sound like, and are part of how keystone habits create widespread changes. A huge body of research has shown that small wins have enormous power, an influence disproportionate to the accomplishments of the victories themselves. “Small wins are a steady application of a small advantage,” one Cornell professor wrote in 1984. “Once a small win has been accomplished, forces are set in motion that favor another small win.”4.14 Small wins fuel transformative changes by leveraging tiny advantages into patterns that convince people that bigger achievements are within reach.

Small wins are exactly what they sound like, and are part of how keystone habits create widespread changes. A huge body of research has shown that small wins have enormous power, an influence disproportionate to the accomplishments of the victories themselves. “Small wins are a steady application of a small advantage,” one Cornell professor wrote in 1984. “Once a small win has been accomplished, forces are set in motion that favor another small win.” Small wins fuel transformative changes by leveraging tiny advantages into patterns that convince people that bigger achievements are within reach.

“It might have been hard at another company to fire someone who had been there so long,” O’Neill told me. “It wasn’t hard for me. It was clear what our values dictated. He got fired because he didn’t report the incident, and so no one else had the opportunity to learn from it. Not sharing an opportunity to learn is a cardinal sin.”

And the best way to strengthen willpower and give students a leg up, studies indicate, is to make it into a habit. “Sometimes it looks like people with great self-control aren’t working hard—but that’s because they’ve made it automatic,” Angela Duckworth, one of the University of Pennsylvania researchers told me. “Their willpower occurs without them having to think about it.”

“By making people use a little bit of their willpower to ignore cookies, we had put them into a state where they were willing to quit much faster,” Muraven told me. “There’s been more than two hundred studies on this idea since then, and they’ve all found the same thing. Willpower isn’t just a skill. It’s a muscle, like the muscles in your arms or legs, and it gets tired as it works harder, so there’s less power left over for other things.”

“If you want to do something that requires willpower—like going for a run after work—you have to conserve your willpower muscle during the day,” Muraven told me. “If you use it up too early on tedious tasks like writing emails or filling out complicated and boring expense forms, all the strength will be gone by the time you get home.

“When you learn to force yourself to go to the gym or start your homework or eat a salad instead of a hamburger, part of what’s happening is that you’re changing how you think,”

“That’s why signing kids up for piano lessons or sports is so important. It has nothing to do with creating a good musician or a five-year-old soccer star,” said Heatherton. “When you learn to force yourself to practice for an hour or run fifteen laps, you start building self-regulatory strength. A five-year-old who can follow the ball for ten minutes becomes a sixth grader who can start his homework on time.”5.13

“When someone comes up and starts yelling at you because they got the wrong drink, what’s your first reaction?” “I don’t know,” Travis said. “I guess I feel kind of scared. Or angry.” “That’s natural,” his manager said. “But our job is to provide the best customer service, even when the pressure’s on.” The manager flipped open the Starbucks manual, and showed Travis a page that was largely blank. At the top, it read, “When a customer is unhappy, my plan is to … ” “This workbook is for you to imagine unpleasant situations, and write out a plan for responding,” the manager said. “One of the systems we use is called the LATTE method. We Listen to the customer,

Acknowledge their complaint, Take action by solving the problem, Thank them, and then Explain why the problem occurred.5.19 THE LATTE HABIT LOOP “Why don’t you take a few minutes, and write out a plan for dealing with an angry customer. Use the LATTE method. Then we can role-play a little bit.”

Destructive organizational habits can be found within hundreds of industries and at thousands of firms. And almost always, they are the products of thoughtlessness, of leaders who avoid thinking about the culture and so let it develop without guidance. There are no organizations without institutional habits. There are only places where they are deliberately designed, and places where they are created without forethought, so they often grow from rivalries or fear.

There’s a paradox in this observation, of course. How can an organization implement habits that balance authority and, at the same time, choose a person or goal that rises above everyone else? How do nurses and doctors share authority while still making it clear who is in charge? How does a subway system avoid becoming bogged down in turf battles while making sure safety is still a priority, even if that means lines of authority must be redrawn? The answer lies in seizing the same advantage that Tony Dungy encountered when he took over the woeful Bucs and Paul O’Neill discovered when he became CEO of flailing Alcoa. It’s the same opportunity Howard Schultz exploited when he returned to a flagging Starbucks in 2007.

All those leaders seized the possibilities created by a crisis. During turmoil, organizational habits become malleable enough to both assign responsibility and create a more equitable balance of power. Crises are so valuable, in fact, that sometimes it’s worth stirring up a sense of looming catastrophe rather than letting it die down.

A company with dysfunctional habits can’t turn around simply because a leader orders it. Rather, wise executives seek out moments of crisis—or create the perception of crisis—and cultivate the sense that something must change, until everyone is finally ready to overhaul the patterns they live with each day. “You never want a serious crisis to go to waste,” Rahm Emanuel told a conference of chief executives in the wake of the 2008 global financial meltdown, soon after he was appointed as President Obama’s chief of staff. “This crisis provides the opportunity for us to do things that you could not do before.”

Pregnant women and new parents, after all, are the holy grail of retail. There is almost no more profitable, product-hungry, price-insensitive group in existence. It’s not just diapers and wipes. People with infants are so tired that they’ll buy everything they need—juice and toilet paper, socks and magazines—wherever they purchase their bottles and formula. What’s more, if a new parent starts shopping at Target, they’ll keep coming back for years.

“Consumers sometimes act like creatures of habit, automatically repeating past behavior with little regard to current goals,”

Whether selling a new song, a new food, or a new crib, the lesson is the same: If you dress a new something in old habits, it’s easier for the public to accept it.

“Just wait till the baby comes,” Pole said. “We’ll be sending you coupons for things you want before you even know you want them.”

A movement starts because of the social habits of friendship and the strong ties between close acquaintances. It grows because of the habits of a community, and the weak ties that hold neighborhoods and clans together. And it endures because a movement’s leaders give participants new habits that create a fresh sense of identity and a feeling of ownership.

A movement starts because of the social habits of friendship and the strong ties between close acquaintances. It grows because of the habits of a community, and the weak ties that hold neighborhoods and clans together. And it endures because a movement’s leaders give participants new habits that create a fresh sense of identity and a feeling of ownership.

McGavran’s philosophy said that if you teach people to live with Christian habits, they’ll act as Christians without requiring constant guidance and monitoring. Warren couldn’t lead every single small group in person;

“Sleepwalking is a reminder that wake and sleep are not mutually exclusive,” Mark Mahowald, a professor of neurology at the University of Minnesota and a pioneer in understanding sleep behaviors, told me. “The part of your brain that monitors your behavior is asleep, but the parts capable of very complex activities are awake. The problem is that there’s nothing guiding the brain except for basic patterns, your most basic habits. You follow what exists in your head, because you’re not capable of making a choice.”

It is just that Angie Bachmann should be held accountable and that Brian Thomas should go free because Thomas never knew the patterns that drove him to kill existed in the first place—much less that he could master them. Bachmann, on the other hand, was aware of her habits. And once you know a habit exists, you have the responsibility to change it. If she had tried a bit harder, perhaps she could have reined them in. Others have done so, even in the face of greater temptations.

THE FRAMEWORK:

  1. Identify the routine 
  2. Experiment with rewards 
  3. Isolate the cue 
  4. Have a plan

As you test four or five different rewards, you can use an old trick to look for patterns: After each activity, jot down on a piece of paper the first three things that come to mind when you get back to your desk. They can be emotions, random thoughts, reflections on how you’re feeling, or just the first three words that pop into your head. Then, set an alarm on your watch or computer for fifteen minutes. When it goes off, ask yourself: Do you still feel the urge for that cookie?

Put another way, a habit is a formula our brain automatically follows: When I see CUE, I will do ROUTINE in order to get a REWARD. To re-engineer that formula, we need to begin making choices again. And the easiest way to do this, according to study after study, is to have a plan. Within psychology, these plans are known as “implementation intentions.”

The Art of Non Conformity – Chris Guillebeau

Interested? Check it on Amazon: http://amzn.to/1PQGTEs

You can have unlimited dreams and goals, but not unlimited priorities.

Embrace the uncertainty of change.

“I’m willing to do whatever it takes to get out of this situation.” We talked for a while and I gave him a long list of resources. “Will you have time to look at these things soon?” I asked. “Are you kidding?” he replied. “I’ll be going on this stuff for the rest of the afternoon. Then if I have to, I’ll stay up until midnight.”

“They say time changes things, but actually you have to change them yourself.”

Inaction breeds doubt and fear. Action breeds confidence and courage. If you want to conquer fear, do not sit home and think about it. Go out and get busy. — DALE CARNEGIE.

Create mass accountability. Give yourself a carrot.

On the other hand, despite a stated desire for change and the ability to do basic research, Aaron remained stuck behind the wall of fear. He lived a life of quiet desperation, peeking through to the other side but failing to dismantle the bricks.

We have big dreams and ideas, but we also have big fears. The quest to overcome fear is lifelong, and almost no one is truly fearless. Instead of pretending it doesn’t exist, you have to be willing to smash through the brick wall of fear. You won’t be the first to do it, and what you find on the other side might surprise you. What’s waiting for you on the other side of the wall?

The question is not who is going to let me, it’s who is going to stop me. — AYN RAND

People will always try to stop you from doing the right thing if it is unconventional. — WARREN BUFFETT

Gatekeepers are especially effective at telling you which choices you have, thus giving you the illusion of freedom while simultaneously blocking access to what really matters. It’s like asking, “Would you like a or b?”—without letting you know that c, d, and e are also valid choices.

Why do we do things this way? “Just because.” “Because that’s the way we’ve always done it.” “Because someone said so.” When someone threatens tradition or asks questions, gatekeepers will appeal to a logic based on history, even if their recollection of history is incorrect.

When the underdog adopts an unconventional strategy and changes the rules of the game, the percentage of victory jumps even further, to 63 percent. In other words, when the underdog deploys an unconventional strategy, the underdog is actually favored to win…

…the difference is that in one situation the underdog deliberately changes the rules of the confrontation. Remember that gatekeepers are all about limiting choices (you can have a or b, but not c or d). The underdog strategy looks for alternatives.

Here are some more things that are completely unnecessary for your success:

  • You don’t need experience.
  • You don’t need years of preparation.
  • You don’t need paperwork. Paperwork includes degrees, certificates, endorsements, licenses, recommendations, referrals, and so on.
  • You don’t need a mentor.

It’s not that these things are unhelpful. It’s that they are unnecessary.

  • You need passion.
  • You need a vision and a task.
  • You need the answers to the two most important questions in the universe. What do you really want to get out of life? How can you help others in a way that no one else can?
  • You need commitment to stay the course. Many people give up too early.

 

The gap between ignorance and knowledge is much less than the gap between knowledge and action. —ANONYMOUS.

The Denver TV news anchor who was laid off and started a “Yoga at Work” part-time business for the cost of a $9 domain registration. Within six months she was earning $2,000 a month. • The brick installation company that started when the founder was laid off from a car dealership. He took $18 to Barnes & Noble to buy “some kind of business book,” but ended up buying coffee and looking through books in the café. After a rocky start and a difficult partnership, the business brought in more than $150,000 in its third year. • The “$50 and a bottle of oil” startup that grew to a $6 million business within five years. • The “Retro Razor” project that launched from a Seattle bedroom after the founder ran out of Gillette blades on a trip to Italy (cost: $75.87 for initial inventory). Retro Razor signed up for Amazon.com’s partner

Over and over I hear from employees at stable companies like Google and Microsoft, who begin a long message by saying, “I feel guilty because my friends think I have it made, but I don’t like what I’m doing.” I don’t think these people are ungrateful; if you don’t enjoy the place where you spend most of your waking hours, I don’t see how you have it made.

Like Allan Bacon’s “Life Experiments,” slow and steady change can produce big improvements when done consistently over time. • Some people think self-employment is risky, but the real risk lies in deriving your security from an external source.

Personally, I value learning, but formal education and learning do not always go hand in hand. If your primary goal is to learn instead of to prepare for a career, you may be better off going it alone.

I start with the premise that the function of leadership is to produce more leaders, not more followers. — RALPH NADER

If your actions inspire others to dream more, learn more, do more, and become more, you are a leader. — JOHN QUINCY ADAMS

Instead of selling products, you focus on solving problems.

I’d like to live as a poor man, with lots of money. — PABLO PICASSO

I embrace frugality as a personal value, but frugality for me is not about pinching pennies in every part of my budget. Instead, it’s about making conscious choices to spend on the things I value—and avoid spending on other things.

The way I approach my discretionary spending is outlined below:
1. I happily exchange money for things I truly value.
2. As much as possible, I don’t exchange money for things I don’t value.
3. All things being equal, I value life experiences more than physical possessions.
4. Investing in others is at least as important as my own long-term savings.

Travel is my biggest personal expense, and I regularly spend about 20 percent of my annual income on it. Many people spend 20 percent or more of their income on debt reduction, and I’ve taken great care to ensure I have no debt. If I can’t afford to pay for something in full, I don’t buy it.

Because I know I’ve received a lot from life thus far, I want to make sure I actively give back in the form of investing in others.

To get serious about saving, focus on increasing income more than cutting expenses. This is because cutting expenses is essentially a scarcity behavior, whereas increasing income is essentially an abundance behavior.

Doctors Without Borders: This organization, known around the world by the French name Medecins Sans Frontieres, brings medical teams to war zones, natural disasters, and countries that lack sufficient health care. Learn more at DoctorsWithout Borders.org.

I have enough money to last me the rest of my life, unless I buy something. —JACKIE MASON

If you’re stumped with a travel dilemma, visit the forums at FlyerTalk.com. Some of the experts on these boards are even more experienced than I am, and if you ask nicely, several will offer free advice on your itinerary or travel issue.

If you’re looking for lodging and hotel prices are high, check Hostels.com for a large database of guesthouses and smaller establishments. In addition to dorms, many of the properties offer private rooms with breakfast and Internet access. If you’re up for company, you can also stay for free thanks to CouchSurfing.com.  Priceline.com can be a good source for discounted hotels (it’s not usually worth it for plane tickets), but the company has an advantage on consumers by not disclosing the minimum successful bids. To negate this advantage, use Google to search for “Priceline winning hotel bids” to find several sites that list the hidden information. I’ve used this strategy to stay at the Brussels Marriott for $60 (usually $240), the Prague Sheraton for $45 (usually $195), and many other nice hotels all over the world. • If transatlantic airfare is pricey, look for a repositioning cruise. These cruises take place twice a year as cruise lines move their ships from the Mediterranean to the United States. (A smaller number also go from Alaska to East Asia, and from California to Florida via the Panama Canal.)

Let’s return to the two important questions we looked at briefly earlier: “What do you really want to get out of life?” and “What can you offer the world that no one else can?”

When you set out to create something that will outlast you, there are a number of characteristics you need to consider by answering the following questions:

  • Vision—how will the world be different because of the project?
  • Beneficiaries—who will benefit from the project?
  • Primary Method or Medium—how will you do the work?
  • Output—what will be produced as a result of your work?
  • Metrics—how will success be measured?

Create a continual metric for your most important work.

*** Pamela Slim’s Escape from Cubicle Nation.

ONLINE RESOURCES A few things didn’t make it into the final version of this book. For the much-needed condensing, you can thank my editor Maria, who kept asking, “Does this need to be here? Can you get it out some other way?” It was a good question, so I made a resources page on my website for everything that didn’t make it in here. Among other things, the resources page includes:

• An introduction to travel hacking, including how to earn frequent flyer miles without flying, how to stay for free anywhere in the world, and where you can buy a round-the-world plane ticket
• A worksheet and MP3 audio download on creating the ideal day discussed in chapter 2
• More information on low-budget businesses, including a list of 10 ways to earn money through travel, and 10 businesses you can start for less than $100.

All of this information is free, and you don’t need to register to receive it. Just go to ChrisGuillebeau.com/book for a complete list.

 

How come that idiot’s rich and I’m not? – Robert Shemin


Interested? Check it on Amazon: http://amzn.to/1XtAEpb

Remember, Rich Idiots never think or say “I can’t”.  They ask “How can I ?”.  Take the word Can’t out of your vocabulary.

Real wealth is time. Time to spend with your loved ones. Time to go on a 3 month vacations. Time to give back to those who have less.

Get a wealth talisman – ( Healthy Wealthy Wise )

Forgiveness is the firs step to cleaning out old stuff and making room for new wealth to come pouring in. Forgiveness is a daily cleanser, preparing your spirit for the riches to come.  Also don’t forget to forgive yourself.

My Commit Script:

I commit to filling my life with wealth.
I commit to filling my life with happiness.
I commit to being bold.
I commit to taking positive actions.
I commit to a new result.

The most important goal is: What activity am I going to do today?

Remember: Buy assets first because they bring you money.  Buy liabilities second because they cost you money.

Remember: Money is time, with money you can “buy” time.

What is more important the idea or the execution?  The execution! Everybody has ideas.  You must do something daily to bring you closer to your goals.

Link to book on Amazon: How come that idiot’s rich and I’m not? – Robert Shemin

I Will Teach You To Be Rich – Ramit Sethi

I will teach you to be rich
When it comes to weight loss, 99.99 percent of us need to know only two things: Eat less and exercise more.

WHY ARE MONEY AND FOOD SO SIMILAR?

Listen up, crybabies: This isn’t your grandma’s house and I’m not going to bake you cookies and coddle you. A lot of your financial problems are caused by one person: you.

 

On average, millionaires invest 20 percent of their household income each year. Their wealth isn’t measured by the amount they make each year, but by how much they’ve saved and invested over time.

Frugality, quite simply, is about choosing the things you love enough to spend extravagantly on—and then cutting costs mercilessly on the things you don’t love.

Context Matters: you’re probably right when you think your friend can’t afford those $300 jeans. I’ve been trying to be less judgmental about this. I’m not always successful, but I now focus on the fact that the sticker price doesn’t matter—it’s the context around it. You want to buy a $1,000 bottle of wine? And you already saved $20,000 this year at age twenty-five? Great! But if your friends are going out four times a week on a $25,000 salary, I bet they’re not consciously spending. So although it’s fun to judge your friends, keep in mind that the context matters.

Buffett realized long ago that having money doesn’t require you to spend it and that the money you don’t spend can be invested.

Of course, like buying, renting isn’t best for everyone. It all depends on your individual situation. The easiest way to see if you should rent or buy is to use The New York Times’s excellent online calculator “Is It Better to Rent or Buy?” It will factor in maintenance, renovations, capital gains, the costs of buying and selling, inflation, and more. You can find it at www.nytimes.com/2007/04/10/business/2007_BUYRENT_GRAPHIC.html

The Checklist Manifesto – Atul Gawande

The checklist Manifiesto
The Checklist Manifesto: How to Get Things Right – Atul Gawande.

The results were so dramatic that they weren’t sure whether to believe them: the ten-day line-infection rate went from 11 percent to zero. So they followed patients for fifteen more months. Only two line infections occurred during the entire period. They calculated that, in this one hospital, the checklist had prevented forty-three infections and eight deaths and saved two million dollars in costs.

Of all organizations, it was oddly enough Wal-Mart that best recognized the complex nature of the circumstances, according to a case study from Harvard’s Kennedy School of Government. Briefed on what was developing, the giant discount retailer’s chief executive officer, Lee Scott, issued a simple edict. “This company will respond to the level of this disaster,” he was remembered to have said in a meeting with his upper management. “A lot of you are going to have to make decisions above your level. Make the best decision that you can with the information that’s available to you at the time, and, above all, do the right thing.”

No, the real lesson is that under conditions of true complexity—where the knowledge required exceeds that of any individual and unpredictability reigns—efforts to dictate every step from the center will fail. People need room to act and adapt. Yet they cannot succeed as isolated individuals, either—that is anarchy. Instead, they require a seemingly contradictory mix of freedom and expectation—expectation to coordinate, for example, and also to measure progress toward common goals.

When you’re making a checklist, Boorman explained, you have a number of key decisions. You must define a clear pause point at which the checklist is supposed to be used (unless the moment is obvious, like when a warning light goes on or an engine fails). You must decide whether you want a DO-CONFIRM checklist or a READ-DO checklist. With a DO-CONFIRM checklist, he said, team members perform their jobs from memory and experience, often separately. But then they stop. They pause to run the checklist and confirm that everything that was supposed to be done was done. With a READ-DO checklist, on the other hand, people carry out the tasks as they check them off—it’s more like a recipe. So for any new checklist created from scratch, you have to pick the type that makes the most sense for the situation.
The checklist cannot be lengthy. A rule of thumb some use is to keep it to between five and nine items, which is the limit of working memory. Boorman didn’t think one had to be religious on this point.
“It all depends on the context,” he said. “In some situations you have only twenty seconds. In others, you may have several minutes.”
But after about sixty to ninety seconds at a given pause point, the checklist often becomes a distraction from other things. People start “shortcutting.” Steps get missed. So you want to keep the list short by focusing on what he called “the killer items”—the steps that are most dangerous to skip and sometimes overlooked nonetheless. (Data establishing which steps are most critical and how frequently people miss them are highly coveted in aviation, though not always available.)
The wording should be simple and exact, Boorman went on, and use the familiar language of the profession. Even the look of the checklist matters. Ideally, it should fit on one page. It should be free of clutter and unnecessary colors. It should use both uppercase and lowercase text for ease of reading. (He went so far as to recommend using a sans serif type like Helvetica.)

 

Le Millionnaire que j’appelais Grand-Papa – Martin Paquette

Le Millionnaire que j'appelais Grand-Papa
C’est étrange comme le vent éteint les petites bougies, mais anime les plus grands feux.

Les femmes savent des choses par instinct, nous comprenons seulement les choses par des faits. Elles ont une longueur d’avance sur nous.

Le vrai principe, je l’applique et je le prêche toujours : pour devenir riche et réaliser les choses que l’on veut, il faut toujours réinvestir la moitié de ce que l’on gagne. Si tu gagnes un dollar, mets cinquante cents de côté pour réinvestir plus tard.

J’ai déjà dit que si les gens pouvaient connaître et voir les résultats de leurs efforts, tous deviendraient et demeureraient motivés. C’est pourquoi les gens qui travaillent dans les grandes organisations sont si difficiles à motiver; ils ne sont responsables que d’une partie de la réalisation et souvent très loin des résultats. On dit souvent que la routine détruit la motivation.