Believe You Can Succeed And You Will

Believe, really believe you can move mountains, and you can. Not many people believe that they can move mountains. So, as a result, not many people do. But you can move a mountain with belief. You can win success by believing you can succeed.

Learn how successful people approach problems and make decisions. Observe the attitudes of successful people. Belief, strong belief, triggers the mind to figure ways and means and how-to. Believing you can succeed makes other people place confidence in you.

Belief is the thermostat that regulates what we accomplish in life.

8 Tips for Financial Success

A solid grounding in fiscal responsibility is basic self-defense. Taking the time to learn and practice saving and budgeting, managing credit — controlling our personal finances rather than vice versa — will pay off in the long term. The following tips
are reminders of how we can control our finances and improve our financial success.


Choose Carefully

1. Every decision has a cost, so be sure to consider your options.
Too often, people make decisions without thinking through the consequences. For example, a consumer buys something they feel they must have using a credit card, but doesn’t consider what it will take to pay off the debt. Or, as has happened often lately, a consumer buys a house without fully understanding the terms of the mortgage loan. When you choose between two things, you automatically give something up. A decision to buy an expensive car is a decision NOT to buy everything else that the money could have purchased. Too often, that only becomes clear when the car payments
are due and many other things have to be sacrificed to make them. Before making that impulse purchase, be sure to think about the cost of your choices.

Invest In Yourself

2. Education and training is your investment in you. Education and training is an important investment in you and your family. Investing wisely in higher education is one of the best financial decisions you can make. More education means higher earnings -- for life. Studies show that more education leads to bigger paychecks. So, the more you learn, the more you earn. Over a forty year career, these additional earnings really add up. Just by staying in school and graduating, workers earn an average of $6,000 more per year, or $240,000 more in their lifetimes. That’s a quarter-million dollars just for finishing high school. Add a two-year Associate Degree and the lifetime earnings jump to $480,000 more than the high school dropout will earn. Think about it - that’s a cool half-million dollars for finishing high school and going to college for just two years. Four-year degree stats?

Plan Your Spending

3. Know the difference between net and gross.
First-time workers often experience shock after receiving their first check. Income taxes, social security, and Medicare are just some of the deductions to which most workers contribute. When joining the work force, make sure to develop a spending plan
that takes into account the fact that approximately one-third of your earnings will be deducted from your paycheck.

Save, Save More, and Keep Saving

4. Practice saving, not spending.

Many people consider themselves to be spenders, not savers. “I’ll start that savings account soon” or “I like to spend money” are common excuses. We all know there are more ways than ever to spend your money. Look at saving as spending—on yourself.
Everyone needs a nest egg or rainy day fund, and the easiest way to start is to start small. Save $100 or even just $50 per month by having funds automatically deducted from your paycheck and placed in a separate, interest-bearing savings account. Soon
you’ll have a special savings fund that can help you absorb unanticipated expenses.


Put Yourself on a Budget

5. Budget earnings to better plan for spending.
Financial success refers not so much to earning money as it does to making wise choices about how to use the money you earn. A budget is important for you and for your family. Budgeting helps you to better plan and control your family’s spending.
Planning enables you to extend your buying power. A budget doesn’t have to be complicated. All it takes is writing down how much comes in every month and how much must go out for rent, bills and food. What’s left goes into discretionary spending
and savings; gaining awareness of where your money goes is key to exercising control over your spending.

Learn to Invest

6. Investing is critical.
Many people feel “investor” is not a word that applies to them. Instead, images of Wall Street suits and wealthy celebrities like Donald Trump, Oprah or Warren Buffet spring to mind. In reality, anyone with a retirement account is an investor, which
means most Americans are investors. That’s important to understand because many people working today will not receive a defined-benefit pension, which means they need to save significant sums of money to finance their retirement. For most of us, just putting money in a savings account won’t be enough. Investing is an essential tool for growing your money faster than the rate of inflation. Diversified instruments like target date retirement funds, index and mutual funds make investing
easier than ever. To learn more, start at the SEC’s investor education website at: http://www.sec.gov/investor.shtml

Credit can be Your Friend or Enemy

7. Credit can work for you and against you.
Without credit, most families would not have homes or cars. If used properly, credit can be a powerful tool to help obtain the things you want. Unfortunately, credit can sometimes be too easy to get. As a result, on average, Americans hold 4.3 credit cards and the percentage of people delinquent on their credit cards is rising steadily. Another fact is that many people are not aware of the exact credit terms of their mortgage loan. While credit can be a great friend, it is very important to know the terms before you borrow and to be sure that credit is the best way to purchase a particular item. Don’t become a credit junkie. If you are in serious credit difficulties, seek help from any of the qualified and accredited
credit counseling services.

Nothing is Ever Free

8. If it’s too good to be true, it’s too good to be true.
It’s best to assume that an offer or advertisement that “sounds too good to be true” – especially one from a stranger or an unfamiliar company – is probably a fraud. To find out if a company is legitimate, look it up using a reliable source such as
the phone book, directory assistance, a California government agency such as the Department of Financial Institutions or the Department of Corporations, or the Better Business Bureau. Do not rely on the contact information in unsolicited emails or letters. Even if the organization is legitimate, most “free” offers are really enticements to buy something. When an ad says, “Buy two, get one free,” realize that you are paying more than you probably would; the third item is NOT free.
Any sales pitch that uses word “Free” is a red flag.

How to Attract the Positive and Repel the Negative

One of the greatest lessons I learned from my mother was that my attitude was my choice. This lesson has provided me a magic carpet that has taken me everywhere in the world, and it has made available to me vast opportunities to help many others use more of their God-given potential. It is a part of the abundant fortune I want to share with you!

Attitude is a choice, and a positive attitude attracts positive results. The law of attraction is simply that you attract to yourself exactly what your thoughts attract. It is one of the most positive success principles that we can apply to our lives on a daily basis. But for the law of attraction to work most powerfully in our lives, we must believe in it. When you set goals, you must believe that you can reach those goals and then take action on that belief.

You must not fear taking action or a chance. You have power. Put that power to use! Unless you use the power within you, you will forever feel unfulfilled. But when you use that power, the world had better watch out!

The climate you create through your thoughts and attitudes is the only environment you will ever live in. According to the law of attraction, you actually bring favorable circumstances and conditions into being by thinking about and concentrating on the positives in your life. Life continues, blessings increase, well-being flourishes, and circumstances prosper above and beyond, exceeding your greatest expectations.

To attract success, you must never give in to the possibility of defeat in any area of your life. It’s essential to have negative capability, which is the ability to bounce back from failure by overcoming obstacles. Achieving success is influenced largely by the ability to ignore the negative forces in the environment and to refuse to allow them to control today’s and tomorrow’s actions.

Negative capability enables you to assume a genuine sense of positive expectancy. When you remain calm and in control in the midst of negative circumstances, it is possible to believe in a bright future — to expect success in reaching challenging goals. Negative capability and positive expectancy make it possible to dream even larger dreams, to attempt greater projects, and to enjoy enhanced success. And they work together to make the law of attraction work to your benefit!

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A millionaire by age 27, Paul J. Meyer, New York Times best-selling author and one of the founders of the self-improvement industry, has dedicated his life to sharing his fortune by motivating people to their full potential ®. To learn more about how to claim and share your own fortune, order A Fortune to Share today, available at www.pauljmeyer.com.

It Pays In Every Way To Think Big

1. Don't sell yourself short. Conquer the crime of self-deprecation. Concentrate on your assets. You're better than you think you are.

2. Use the big thinker's vocabulary. Use big, bright, cheerful words. Use words that promise victory, hope, happiness, pleasure, avoid words that create unpleasant images of failure, defeat, grief.

3. Stretch your vision. See what can be, not just what is. Practice adding value to things, to people, and to yourself.

4. Get the big view of your job. Think, really think your present job is important. That next promotion depends mostly on how you think toward your present job.

5. Think above trivial things. Focus your attention on big objectives. Before gettig involved in a petty matter, ask yourself, "Is it really important?"

Grow big by thinking big!

from David J. Schwartz Ph.D - The Magic of Thinking BIG

10 Things Aspiring Entrepreneurs Should Do

Look for problems. “Just pick up any
newspaper or watch any news program and you
will see how many problems need to be solved.
Finding problems to solve are the business
opportunities for entrepreneurs. Our past and
future success lies in human ingenuity.”

Become a leader in your field. “Accumulate
knowledge. Pick an industry, focus on it and
master it.”

Build your network. “Become recognized in
your industry as someone who is good at what they
do. Build a solid reputation for expertise.”

Schedule your time. “Don’t waste your 168
hours in a week, schedule them. I schedule my
time intensely.”

Notice what could be improved. “Businesses
become rich because they find a way to serve
others better.”

Stay wide open in your thinking. “When
you’re 18, your world is wide open. But as each
year passes, one more nail goes into the coffin,
killing your dreams and inspirations. And by the
time you reach 25, you’ve been beaten down and
become a realist. And my advice is you can’t let
these things get you down.”

Hone your entrepreneurial instincts to
make the world better. “We have to take
responsibility for making the world a better place,
and when we do, we’ll create our own
opportunities. All my businesses started the same
way: I got rich by improving the world and making a
lot of people happier in the process.”

Deal with the slaps. “Rebel against rejection.
You can go out into the world and do anything
you want.”

Exhaust your existing skills. “Utilize all of
your existing skills—what you know and who
you know.”

Communicate well . “Becoming a successful
entrepreneur starts with accumulating knowledge
about many topics. First you have to work on your
generic skills: reading, writing and basic math. If
you cannot communicate effectively with people,
you are in trouble.”

Dr. W. Edwards Demings 14 Points as applied to lowing the cost of and improving the quality of U.S. Health Care

1. Constancy of purpose

Create constancy of purpose for continual improvement of products and service to society, allocating resources to provide for long range needs rather than only short term profitability, with a plan to become competitive, to stay in business, and to provide jobs.


2. The new philosophy

Adopt the new philosophy. We are in a new economic age. We can no longer live with commonly accepted levels of delays, mistakes, defective materials, and defective workmanship. Transformation of Western management style is necessary to halt the continued decline of business and industry.



3. Cease dependence on mass inspection

Eliminate the need for mass inspection as the way of life to achieve quality by building quality into the product in the first place. Require statistical evidence of built in quality in both manufacturing and purchasing functions.



4. End lowest tender contracts

End the practice of awarding business solely on the basis of price tag. Instead require meaningful measures of quality along with price. Reduce the number of suppliers for the same item by eliminating those that do not qualify with statistical and other evidence of quality. The aim is to minimize total cost, not merely initial cost, by minimizing variation. This may be achieved by moving toward a single supplier for any one item, on a long term relationship of loyalty and trust. Purchasing managers have a new job, and must learn it.


5. Improve every process

Improve constantly and forever every process for planning, production, and service. Search continually for problems in order to improve every activity in the company, to improve quality and productivity, and thus to constantly decrease costs. Institute innovation and constant improvement of product, service, and process. It is management's job to work continually on the system (design, incoming materials, maintenance, improvement of machines, supervision, training, retraining).



6. Institute training on the job

Institute modern methods of training on the job for all, including management, to make better use of every employee. New skills are required to keep up with changes in materials, methods, product and service design, machinery, techniques, and service.



7. Institute leadership

Adopt and institute leadership aimed at helping people do a better job. The responsibility of managers and supervisors must be changed from sheer numbers to quality. Improvement of quality will automatically improve productivity. Management must ensure that immediate action is taken on reports of inherited defects, maintenance requirements, poor tools, fuzzy operational definitions, and all conditions detrimental to quality.



8. Drive out fear

Encourage effective two way communication and other means to drive out fear throughout the organization so that everybody may work effectively and more productively for the company.



9. Break down barriers

Break down barriers between departments and staff areas. People in different areas, such as Leasing, Maintenance, Administration, must work in teams to tackle problems that may be encountered with products or service.

10. Eliminate exhortations

Eliminate the use of slogans, posters and exhortations for the work force, demanding Zero Defects and new levels of productivity, without providing methods. Such exhortations only create adversarial relationships; the bulk of the causes of low quality and low productivity belong to the system, and thus lie beyond the power of the work force.


11. Eliminate arbitrary numerical targets

Eliminate work standards that prescribe quotas for the work force and numerical goals for people in management. Substitute aids and helpful leadership in order to achieve continual improvement of quality and productivity.


12. Permit pride of workmanship

Remove the barriers that rob hourly workers, and people in management, of their right to pride of workmanship. This implies, among other things, abolition of the annual merit rating (appraisal of performance) and of Management by Objective. Again, the responsibility of managers, supervisors, foremen must be changed from sheer numbers to quality.


13. Encourage education

Institute a vigorous program of education, and encourage self improvement for everyone. What an organization needs is not just good people; it needs people that are improving with education. Advances in competitive position will have their roots in knowledge.



14. Top management commitment and action

Clearly define top management's permanent commitment to ever improving quality and productivity, and their obligation to implement all of these principles. Indeed, it is not enough that top management commit themselves for life to quality and productivity. They must know what it is that they are committed to—that is, what they must do. Create a structure in top management that will push every day on the preceding 13 Points, and take action in order to accomplish the transformation. Support is not enough: action is required!

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