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Are You A Talker Or a Doer?

Like it or not, the world is composed of two types of people – talkers and doers. Which one are you?

About 10 years ago, a friend of mine made a life-altering decision. She had been presented with an opportunity to spend one year as an exchange student in Europe, in several different countries. Now, she didn’t exactly come from a family of world travelers, nor were her parents wealthy enough to send her overseas for an extended amount of time. Come to think of it, no one in her poor neighborhood had even dreamed of doing such a thing – they were to busy struggling with their day-to-day existence.

The temptation to not consider it any further was certainly very strong. She had no idea what she might be getting into; She didn’t know any foreign languages. Going overseas for a year meant not working, spending lots of her hard-earned savings (and in her neighborhood, that meant a lot!) and leaving behind family and friends, something that she had never done before. More importantly, when she would come back, she’d come back broke.

She went back and forth for quite a while. In then end, she said, “what the heck – the worst that can happen is that I hate it and come home early. Who knows when I’ll have this kind of time again?” Her curiosity was getting the best of her. She called her school counselor. “Sign me up”, she said.

Needless to say, her family thought she was crazy and didn’t believe she was actually going until she scraped together her meager savings and left for the airport two months later.

Lessons Learned
Initially, the trip across the pond was a total disaster. To begin with, the airline bumped her entire group – 50 people – leaving her to find other airlines to get to Europe. With her luck, she ended up on the later flight. Then, she ended up spending 10 hours in the airport before she finally left. She was thinking that she probably should have listened to all the people that told her she was crazy to go. She arrived, exhausted and with a mean case of jetlag in Europe the next day; she got to her apartment and passed out.

A funny thing happened the next day. After getting out and exploring a bit, she discovered that she actually liked Europe. It was so easy to travel and get around. She found her way to the nearest travel agency and bought a train pass.

The next week, she traveled to a few countries – all on her own, because several students were too afraid to travel outside the “base” country. This isn’t to say that she wasn’t apprehensive, because she was; however, she made a conscious decision to overcome her fear because she wanted to find out what else was out there. She wanted to know what was beyond the sheltered world that she had once known. She discovered that train travel across Europe was quite easy and safe, if one just used common sense. After the first week, she traveled, alone, to a different country every week. She felt a newfound sense of independence, freedom, accomplishment and success that she had never felt before, and it felt great!

Her year in Europe was a real eye opener for her. It exposed her to things that she would never have experienced otherwise. She would never have experienced different cultures, systems, met as many new people or learned that she had a very adventurous spirit and thirst for knowledge. And she would have never met her future husband. They ended up running his restaurant together, quite successfully, in Berlin for another year, before they both returned to the States. She was not as broke as she had imagined she would be!

What’s the lesson from all this? Don’t let fear hold you back – nothing great is ever accomplished without some risk. Fear is what keeps 99% of people from becoming successful in life. Don’t let that happen to you – know what you want and go for it!

What You Need To Know

Attaining success in life is completely up to you. Sure, there are some factors that you just can’t control. The answer? Don’t worry about them – worry about factors that you can control – you and your actions and your thinking.

Points To Remember:

Be open to all possbilities. Don’t discount an idea just because it seems new to you.

• Don’t let fear of failure dominate you, although it can be very powerful. Fear is what stops 99% of people from being successful.

• Recognize that sometimes you have to take a risk – successfully negotiating risk-taking is what makes one successful in the long run.

• Always keep an eye out for new opportunities.

Success in life is about finding inner peace, satisfaction and emotional stability. You can’t achieve that until you change your thinking, start thinking out of the box and take some risk. This applies to business as well as to your personal life.

You’ve got to be able to step out of your “comfort zone”.

Some Of The Pillars Of Success:

• Plan your work, and work your plan!
• Strive for excellence. Set your own goals – don’t try to reach the goals of others
• Make a commitment and stick to it!
• Accept that disappointments are a fact of life. Instead of allowing them to hold you back, overcome them and you will become stronger.
• Turn every experience, whether good or bad, into a learning experience.
• Live each day as if it were your last; have no regrets.

Some Final Words…..

There are more talkers than doers in our society. Which one are you? Do you wait for things to happen, or do you make them happen? If you think that things will happen for you if you just think about it and fail to take action, I have bad news for you. They won’t. The only thing worse than procrastinating for a day is procrastinating for a day and a minute.

It’s time to stop thinking about making a change to ensure your future success and time to do something about it. Starting a home based business if the first step that you need to be willing to take – for your financial independence, your financial security and that of your family.

If you don’t look out for you, who will? I have the answer – no one. If you are ready to take control of your destiny then now is the time to start. I can show you the way – but it is up to you to make the decision to change your life for the better and take that first step. Remember, you’re not alone – we are with you! Take the time to fill out the form on the main page to get started on your new path to success today – because time isn’t going to wait for you to make up your mind.

You hear it from every segment of the media: The Baby Boomer generation is quickly becoming the “retirement generation.” While some boomers – defined as those born between 1946 and 1964 – have already retired, most are still working and wondering when (or if) they’ll be able to retire.

There is another segment of the population, those younger than the “baby boomer” generation, who live in an entirely different work landscape – a landscape where job security and working for a single company for 30 years and retiring with a pension is a thing of the past.

The federal government’s own social security web site states that most retirees will need about 70% of their pre-retirement income to maintain the same lifestyle. Yet Social Security replaces on average only 40%. That means you better have an impressive portfolio of savings and investments ready to make up the shortfall.

The Government Accounting Office estimates that an average-income couple who receives $20,000 annually from Social Security at age 62 needs investments of over $500,000 to bring their annual retirement income up to $46,000.

Do you have a portfolio of $500,000?

Okay, so you can probably manage to live on less than $46,000. But here is some not-so-good news. Stan Hinden, in the September, 2006, AARP Bulletin reports that more than half of workers 55 and over state they’ve saved less than $50,000 for retirement. How can that be?

People in today’s environment have not followed in their parents’ footsteps of staying in one job forever. Many of us have changed careers a number of times, sometimes for better pay, sometimes because we got downsized or outsourced. Unfortunately, changing jobs frequently means we’ve missed out on becoming fully vested in some of our employers’ 401K plans. Our payouts or rollovers have been tiny or nonexistent

• Some of our lives took turns we never imagined. We’ve been overwhelmed by large medical expenses for ourselves, our children, or our elderly parents. These kinds of expenses can be real retirement-wreckers. We may have little more than a few thousand dollars left.

• Changes like divorce often mean retirement savings, even company retirement plans, are split between spouses. When you say good-bye to a relationship, you say good-bye to half the money in your retirement plan, and you have to work hard and fast to play catch-up.

• We wanted our kids to have college educations. We borrowed from our 401Ks to finance ever-escalating college costs.

• Some of us had to drop out of the workforce altogether to care for elderly parents or grandchildren.

• Some of us are overextended due to poor spending habits. Struggling to pay off credit cards leaves little for retirement savings.

• Some of us have just plain worked hard our whole lives and budgeted carefully, but have never had much of anything left over to save.

• There has been no increase in real wages-that is, purchasing power-since the mid-70s. Despite the happy faces on TV, a lot of us are still struggling just to get by.

Not too long ago, people worked for one company for most of their adult lives, faithfully putting in their time and counting the years until they could retire and start to enjoy life. The company pension was one reason people stayed at jobs they didn’t even like. “At least,” they thought, “the company will take care of me when I’m old. I won’t have to worry.”

A recent trend is for major companies to reduce retirement benefits to workers who believed the company would be there for them in their retirement years. Cuts in post-retirement health insurance benefits are the most unpredictable and the most worrisome for people who are entering their 60s. The few people who even qualify for such programs find that the initial modest premiums and co-pays for themselves and their spouses have skyrocketed to the point where they are simply unaffordable. And by the way, Medicare doesn’t cover dental or vision care. People can buy separate policies for these, but the coverage is usually meager.

Then there’s the longevity “problem.” As we live longer and longer, our retirement dollars must stretch further. What if we run out of money? What if we’re old and sick and poor?

As many companies convert employee pension funds into “cash balance” plans, retiring employees are given lump sums – the money you’ve accumulated in your pension plan or 401K. At that point, you’re on your own to create a “do-it-yourself” pension.

You could take a crash course in investment planning. You could hope you’ll find a trustworthy financial advisor, but there is no way to be 100% confident about putting your financial future in the hands of someone you barely know. Either way, it’s difficult to feel really secure about your financial future in retirement, and the chances are you can’t afford to lose a bit of your nest egg to bad investments.

Quite simply, neither today’s nor tomorrow’s retirees can afford the luxury of feeling secure.

By now, you’ve probably figured out where your retirement prospects fall among all these possibilities. You might be wondering if you’ll ever be able to retire, or if you’ll have to just keep working for the rest of your life. Yes, it’s challenging. Yes, it’s scary.

But there IS an answer. Instead of letting other people determine how you will spend your “golden years,” you can take charge of your life now.

It doesn’t matter if you must stay home to take care of a spouse, parent, or child. It doesn’t matter where you live. It doesn’t matter if you’re one of the many who has not saved enough for retirement. Even if your love to travel, you can establish and build a business using just the Internet and a telephone. Successful professionals will teach you how to stop trudging along on the worry treadmill and start speeding down the road to success. You will be amazed at how quickly you can turn your life around!

The sooner you get started, the sooner you can stop worrying about an uncertain financial future and let yourself think about all the wonderful possibilities of a truly secure retirement. It’s your life, and you should be the one controlling it. Take the first step today by filling out the form on the main page for more information.

Are You an Average American?
Did you know that the average American household has 13 credit, debit and store cards? It’s no wonder. Most US households receive at least one offer of credit a week. They always sound like the perfect answer to your problems, too. Transfer your debt from that really big-balance card to this new one, and you won’t have to pay any interest on it for six months! You’ll have that debt paid off before then, right? And there’s only a little balance transfer fee.

Of course, that other one will now have a zero balance. Doesn’t that sound great? You’ll want to use it for any new purchases, because you don’t want to add to that big balance you just transferred over to the new card. And if it turns out you can’t pay it off, well, by then you’ll probably get another balance-transfer offer from someone else. It seems like this strategy could work forever. You might wonder, “Why doesn’t everyone do it?”

The sad truth is this: The credit card industry collected 43 billion dollars in late-payment, over-limit, and balance-transfer fees in 2004. They aren’t very consumer-friendly. They exist to make money from you.

If this situation is starting to sound familiar to you, and you’re getting a sick feeling in the pit of your stomach, you don’t need to feel alone. A Federal Reserve study showed that 43% of US families spend more than they earn. The only way to do that is to use credit. And it’s pretty obvious that if you use credit to spend more than you earn, you are going to be in debt.

When Minimum Turns Into Maximum
Of course, as long as you make the minimum payment every month on all your cards, your credit report will look OK. You will probably be able to get even more cards! But is that actually good news?

Sorry about that. The answer is No.
Did you know that if you made the minimum payment on a $4,800 balance on a card with a 17% interest rate, it would take you 39 years and 7 months to pay it off? You’d pay a total of $15,619, and two-thirds of that would be interest. You’d be paying interest on restaurant meals you ate decades ago, clothes you’ve donated to Goodwill, and electronics from the stone age!

It’s Not Always Your Fault
A 2004 research study showed that most credit card debt incurred by older Americans was due to the high cost of healthcare and prescription medications. In the same vein, anyone with a costly medical condition or emergency can find themselves deep in debt. Health insurance has caps on spending, and even if the caps aren’t reached, a 20% co-pay is common in many policies. There are deductibles and supplies and drugs that aren’t covered. A serious illness can be devastating to the average family’s finances.

Another debt problem beginning to hit Americans this year is that the rates on their A.R.M.s (adjustable rate mortgages) are beginning to reset. With the federal reserve interest rates climbing, many people’s mortgage payments have increased by 25%. If your mortgage payment is $1200, that would mean it would readjust to $1500.

So What’s a Debtor to Do?
Some people take equity loans on their homes to pay off credit card debt. Of course, that means you have to pay back the equity loan-usually by increasing your mortgage payment-and if you sell your house, you’ll make less profit because the equity loan will have to be satisfied. And one other thing-the interest on equity loans is higher than it is on a regular mortgage.

Others turn to one of the many credit counseling agencies advertised on TV and all over the Internet, only to find that many are simply not ethical. With mandatory counseling laws put in place for people considering bankruptcy, the industry is overwhelmed. On top of that, IRS investigations into 41 “non-profit” credit counseling agencies in May of 2006 revealed that they were not acting in the interest of the consumer and were motivated by the money they could make. They lost their tax-exempt status, and investigations into other agencies are continuing.

Bankruptcy used to be a last-ditch resort for people stuck in a bottomless pit of debt. Most bankruptcies are not the result of overspending, but occur because of huge medical bills, job loss, or divorce. In 2005, Congress passed laws that made it much more difficult to declare bankruptcy. Credit counseling is mandatory but difficult to get. Bankruptcy attorneys’ fees have increased; filing fees have increased. More money than before must be paid back to creditors.

Is There a Reasonable Solution?
Yes, and it’s quite simple:

To get out of debt, you need to make more money.
You need a second source of income that you can generate when and where you want to. A job that will fit in with your family obligations and won’t interfere with the things you love to do. If you’re determined to change your financial circumstances, a home-based business could very well be your way out of debt. After you’ve got the debt monkey off your back, you will probably find that running your own business is so easy and so financially satisfying, you’ll want to keep at it, running your personal wealth steadily higher. You might decide to quit your “day job.” Other people just like you are making everywhere from modest incomes to fortunes, and the only equipment they need is a computer and a telephone.

It’s an idea whose time is definitely now. If you’re ready to say goodbye to the worries of escalating debt-ready to take charge of your life in a way you never dreamed was possible-just fill out the form on the main page to receive free information.

Biology-onoline.org defines personal satisfaction as “a subjective evaluation, judgment, or attitude expressed by an individual with respect to the attainment of certain goals or needs based on his level of aspiration or expectation.” In other words, how does your life measure up to what you expected or hoped it would be?

Although psychologists are best known for examining people’s emotions and mental well-being, they know that when the “whole person” is balanced physically, spiritually, mentally, and emotionally, the person has a much better chance to feel a sense of personal satisfaction with his or her life.

For decades now psychologists and medical doctors have agreed that regular physical activity is a terrific antidote for depression. Rather than producing exhaustion, physical activity makes us feel more energized. If you have a family, just getting everyone off the couch and out into the yard or park on a regular basis can strengthen not only your bodies, but the emotional bonds of your relationships as well. Looking and feeling better naturally leads to improved self-esteem.

Spiritual health is another part of the balanced and satisfied person. For some of us, the word “spiritual” is directly connected with a specific religion’s beliefs and with the practice of those beliefs. Others say “I’m not religious, but I’m spiritual.” In other words, they may not belong to any particular church, but they still feel a connection with something greater than themselves. Whatever your belief, this connection can be a powerful motivator toward personal satisfaction and balance.

Your job should be a source of mental and emotional satisfaction. People who feel that their jobs have a meaningful purpose express more job satisfaction than those who don’t. Managers often tell their employees about company “missions” and extol “the vision thing,” but even if you believe in your company’s mission, you may feel your own responsibilities have little real purpose. If you don’t have the authority to make decisions affecting how the company operates, or if you are hounded about reaching quotas but not praised when you do, working for even the best company can be frustrating. Too many people work unhappily for years at the same jobs, complaining steadily about how bad it is, and thinking that some day in the future things will change.

But living in the future can mean your present is wasted. It’s extremely important to get present-oriented. Think of success and satisfaction as a road you are on right now-not a far-off destination that never seems any closer. You’re more likely to take the steps that will move you forward to harmony and balance in all areas of your life.

Making the transition from standing still to moving forward begins with a positive attitude-about yourself and your capabilities as well as toward the people at work, your family members, and people with whom you socialize. Relationships with other people have all four aspects of personal satisfaction: physical, mental, emotional and spiritual. Instead of concentrating on the negative, look for the good in those around you and in situations you encounter on a daily basis. If a problem presents itself, focus on the solution, not the problem. Most problems offer opportunities to learn something new. Instead of yelling at your computer, figure out how to solve the problem. Instead of shouting at your children or spouse, talk to them-or go for a walk or bike ride to burn off some steam and then talk about the problem and its solution. You’ll find that positive thinking and positive action empowers you to move forward past problems and to keep moving on along the success road.

If you feel you are in a cycle of failure, set a small goal you know you can reach with just a little effort. If you’ve been talking about doing something for a long time, but you haven’t done it, take one step toward that goal and allow yourself to feel good about the accomplishment. Renewed self-esteem will propel you on to your next goal.

Why is self-esteem so important? Because if you have a negative self-image, you are likely to become immobilized in an “I better not try it because I probably can’t do it” kind of mindset. Of course, if you don’t try, you’ll never know what the outcome would be, and you’ll remain stuck in the kind of mental and emotional state that leads to boredom, depression, and more immobilization. Your very first goal may be to learn to like, accept, know, and help yourself.

Setting goals often involves making choices, and making choices usually involves a certain degree of risk, but if you don’t make your own choices, you’re a slave to the ones other people-or life in general-have made for you. Certain things can’t be changed, but you should try your best to change anything within your power that is negatively affecting your life.

Tap into the energy source that is within you. Have faith in yourself. Have the courage to set your own goals, make your own choices, and take control of your life. If dissatisfaction is bringing you down, you can take a small step toward satisfaction and success right now. Fill in the form on the main page, and learn about some fantastic possibilities that could change your future.

It is a great feeling to achieve your goals. You plan and work hard until success is assured. What now? It is time to pass on your philosophy for success to another person or group of people who needs help with personal development.

Whenever you begin goal setting for your life, it can be a scary thing. You might not know where to start or even how to define what you really want to accomplish. Mentors are quite helpful in that way. They have been there and can help you avoid some of the same pitfalls they experienced on their way to setting personal bests.

As a mentor, you will inspire others to do their best and not to give up on their dreams. You’ll be surprised to know that it is not the major obstacles that stop your goals but a series of smaller ones that chip away at your resolve. Over time, they make you weaker instead of pushing you forward towards your goal.

Succeeding at mentoring can be another goal for you to achieve. To mentor another on personal achievement, here are some tips.

1. Establish the boundaries of your relationship. A mentor can be a friend but they are first and foremost, a teacher. If you want to keep the relationship on a professional level, send that message at the beginning. It seems easier to take criticism from a teacher than a friend.
2. Set your expectations. Mentoring is challenging work. Let your mentee know what you expect them to be able to do as a result of your mentoring process. If your expectations are the same, you can work together. If they are not, you’ll know before you get too far into the process.
3. Offer feedback to your mentees. Everyone wants to know what type of progress they are making. On a regular basis, discuss your impressions of how the mentoring is going. Give positive complements when they are due so that the mentee is not just hearing about their mistakes and what they need to work on.
4. Track their progress. Are things going smoothly or is there a problem? Make time to discuss any difficulties the mentee is having and solutions for solving them. Maybe a lack of a thorough plan is keeping them from finding success. You will teach them to flesh out their goal plan a bit more to account for more variables.
5. Share some of your setbacks. Let them know about your road to success when appropriate. Mentors are human too and showing that human side helps your mentee to identify with you more. It could be that the same issue that hindered your success is also hindering theirs.

Do you have a method for achieving goals that you’ve developed over the years? Pass this information on to someone else who wants personal goal success to be a part of their life.

To your success,

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