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  • Actual for You - Living an Honest and Fruitful Life is not an Option (from a seminar I gave)

    Maine Home Equity Loans – Unconventional Ways to Use Your Home Equity Money
    Many people choose to tap into their home equity for conventional reasons like debt consolidation, home improvements, and college education costs. But, such reasons aren't set in stone. Maine home equity loans can be used in any way you see fit. Here are a few unconventional ways to use your home equity money:Buy a New CarWhen it comes time to buy a new car, most people can't afford to pay cash, so they get an auto loan. While there is nothing wrong with doing this, there are other ways to finance your auto purchase. One such way is with a Maine home equity loan. Home equity loan rates in Maine average 7.52 percent, which is very comparable to the average Maine auto loan rate of 7.28 percent. The benefit to using a home equity loan is that any interest paid is tax deductible.Buy a Vacation Home or Rental PropertyCertain cities in Maine have seen a rapid increase in home values. You may be able to take out a Maine home equity loan and have enough to buy or at least put a down payment on the vacation home of your dreams. A rental property would also be an excellent and profitable way to invest your home equity money.Start a BusinessSmall business loans usually have very low interest rates and other types of perks. Unfortunately, there can be quite a few hoops to jump through when it comes time to qualify for a loan. If you want to start a business, but don't want to take the time to convince a lender that it is a worthy venture, a Maine home equity loan can get you the money you need fast.
    start in with your list of "used to’s." We alllllll do it or have done it. "I used to be a good tennis player." "I used to bake bread." "I used to be in great shape." "I used to have four girlfriends." "I used to like people." "I used to have ambition." "I used to have a lot of money." I used to be a good tenor." "I used to write short stories." "I used to read a lot." Or here’s a clever one: "I used to have a sense of humor." And the grand prizewinner is: "I used to have time."

    Hey, folks, time is not about to change. But your perception of time must change. You must be focused.

    Although our lives are finite, the opportunities within our lifetime are infinite and timeless.

    A woman climbed Mt. Everest in her late seventies recently. A man ran and completed a marathon at age 100. An ex-President skydived at age 88. Actor Paul Newman drove in the 24-Hour Daytona Race when he was 75.

    Tired? Consider this: John Wesley, a famous Christian minister of the 19th Century, preached over 40,000 sermons and traveled 225,000 miles (his horse had never heard of kilometers). Did you realize these figures belong only to the latter part of his life, from age 36 to 88?

    And if you need more inspiration, let me read to you about a very special granny.

    Anna Mary Robertson (Grandma Moses) was born on September 7, 1860 in Greenwich New York. She spent most of her life as a farmer's wife and raising her five children. She didn't become serious about painting until she was in her mid seventies. Up until that time, she enjoyed embroidery work with colorful scenes on canvas but when her hands became stiff with arthritis, she switched to painting. Her first picture was painted on a piece of canvas with house paint.

    In 1938 when she was almost eighty, Louis J. Caldor, an art collector noticed her work in a drugstore window and bought her first paintings. In 1939, Otto Kallir, art dealer first exhibited her scenes of rural life at his Gallerie Saint-Etienne in New York City. Her one-woman show brought national recognition.

    Gimbel's Department Store invited Grandma to New York to see a display of her painting at a Thanksgiving festival. Here she met many people who were fascinated by her paintings and by 1941 she received New York state prize for one of her paintings, "The Old Oaken Bucket." In 1949, President Harry S. Truman presented her with the Women's National Press Club Award for outstanding accomplishment in art.

    In 1955, the news reporter Edward R. Murrow invited her on his TV show, See It Now. People watched the TV screen as Grandma painted a picture from her house. She sat at an old table and painted on masonite, a thin hard board. "I like to paint old-timey things," she said.

    Her work is called primitive art, a simple and clear style and her theme was American rural life. Many primitive artists have not had formal training yet seem to paint in a natural way. Grandma drew from her memory and captured activities such as capturing the Thanksgiving turkey, Halloween night on the farm and having a family reunion picnic.

    At age 100, she illustrated an edition of "The Night Before Christmas" by Clement Moore and the book was published after her death. Grandma Moses died on December 13, 1961. She lived to be 101 and in the last year of her life painted twenty-five pictures!

    It’s all in your head. Are you a wandering generality or meaningful specific?

    <
    Make Money As A Slumlord
    Be a slumlord? Okay, I got your attention, now the truth. I really don't recommend that anyone endanger their renters with unsafe housing. Much of what people call slumlording though, is simply providing reasonable housing for those with low incomes. It is of benefit to the renter AND the landlord.Why Do People Rent Dumps?People rent not-so-nice places because they can afford to. A house that needs paint, has old rusty hinges on the doors, and a dirt driveway - this is a house that cost less to buy, and therefore can be rented for less. Anything major that the landlord does to improve it will result in higher rents, and possibly drive the renter away.In fact, this often happens. A few years ago my own town enacted its first rental regulations. The fifteen pages of new rules included many non-safety-related requirements, like a minimum of windows, to allow natural lighting, bedroom square-footage requirements, and no peeling paint.These things are done in the name of low income renters, and yet the result is always the same: higher rent. With that and the regulations against mobiles homes, low income families are moving further away from town and jobs. I mention all this to let you know that if you offer an ugly, but safe and affordable rental, you are providing a real service.Why Invest In Low Income Housing?If a nice two bedroom house in a small town costs $130,000 and rents for $800, an old mobile home on a lot will probably cost $45,000 and rent for $500. Notice that the house costs almost three times as much, but the rent you get isn't even doubled. This means the mobile gives you MORE CASH FLOW. That is why old houses and mobile homes (on land) are such good investments.It's important to note that you'll have more risk and management problems with low income housing. Repairs come up more often, and rent will be late more often, on average. This is why you deserve a higher rate of return. Otherwise, who would want to provide low-cost rentals?Treat your renters well, and make your places safe. Do these things, and you can enjoy a good return on your investment - even if some want to call you a slumlord.
    Let's discover your true self and the pot of gold that is yours to claim.

    Truth is at the heart of an honest and happy life.

    Be true to others, to yourself and to the values that guide you. Start each day in truth and finish in truth. You’ll sleep soundly and each delicious next morning you’ll feel glad to be alive. It's a splendid manner of living and you’ll never have to lower your eyes again.

    I hope that each of you will be touched today by the spirit of challenge. I hope that each of you will grasp the powerful picture I am passionately painting for you with my words and visions; words which touch you and jumpstart your life up the road to success.

    I hope that each of you will today walk away from this groundbreaking seminar with a strong, long-lasting belief that you CAN control your destiny through proper planning and execution of your special plan. I hope that each of you will learn to trust yourself and act on that trust.

    I hope that each of you will learn to lighten up and loosen up.

    I hope that each of you will walk miles taller. Firmly committed to excellence, may you never again have to settle for second best.

    And finally, I hope that each of you today will leave here full of gratitude just for being alive.

    The famous utopian, Ralph Waldo Emerson, wrote: "You cannot do a kindness too soon, for you never know how soon it will be too late."

    Friends, we must leave no stone unturned in our pursuit of happiness and fulfillment.

    Our task is huge, but well worth the effort. Whether we are 12 or 800, retired or tired, dirty or clean, angry or dreamy, wounded or whole…character is always a welcomed guest and is treated with all due respect.

    Let’s take our hats off to character. So what is character? What does he or she look like who has character? What difference does character make in the scheme of things?

    I can’t fully put my finger on what character is. I do know that it holds power, love, beauty, warmth, strength, forgiveness, steadiness, excellence, luxury, compassion, thoughtfulness, richness, blissful laughter and sincere teardrops.

    I do know that character doesn’t ignore unhappiness, dissatisfaction, anger, frustration, stubbornness, depression and hopelessness.

    I do know that it is crystal-pure blessing from wherever Heaven may be. It pays everyone in kindness, respectfulness and mindfulness.

    Indeed, it is the most dignified manner of living a good, respectful, respectable life. Character is the rope that pulls us up from deep disappointment and failure to the shores of success.

    It is the smiling, confident, calm face in the eye of a storm.

    Character stands for what we stand for and what we stand for should stand for something.

    When life is conducted properly, our steadiness and resolve make us unstoppable. We will set goals. We will act. We will adjust. We will not back down or turn back. We will feel able to climb steep, spiritual mountains and rebound from broken promises.

    To know how to conduct your life through empowering thought and mindful action will make you absolutely unstoppable.

    We must attempt the uncomfortable at times in order to gain mastery and self-confidence.

    Tony Robbins, personal coach/mentor for many famous people including the late Princess Diana, gives a special, annual seminar using a very frightening strategy. He teaches his pupils the art of fire-walking barefooted across red-hot coals. It takes a full weekend to mind train and convince his audience that they can do such a dangerous task effortlessly and with no injury. Amazingly, he has never had an injury at his seminars requiring hospitalization. Why would the participants take the risk of getting seriously burned in a coal pit?

    Why is an excellent question. Tony Robbins believes and fully lives a life of truth. He follows through. He wants his seminar participants to experience the victory over unbelievable circumstances. If you master coal walking, then dealing with sassy teenage daughters and sons seems that much easier. Dealing with a demanding or unfair boss becomes a trivial manner.

    Nobody can or will do the hard work for us.

    There is a price to be paid for success and fulfillment. That price is --- to never give up.

    Never ever give up on your dreams and plans. Only losers do.

    I read in a newspaper clip a few month's ago of a very old yet active woman, Lana by name, one hundred and three years young, and her reaction to the question 'What makes you stay young?' Her response?

    "We don't stop playing because we grow older, we grow older because we stop playing."

    Folks, our lives are not a dress rehearsal. Our lives are what we make them. The seeds we plant now will bloom into flowers over time.

    Patience is a willingness to stick with a plan whether or not the sun shines, the wife loves you, the boss respects you, the money is flowing in or the economy is rising up. Patience brings results...

    There was a famous, cynical comedian in the 1930s named W.C. Fields. He loved to drink, he loved to party and he loved to make people laugh. He was extremely funny. One day he was walking through a flower shop and a tag on one of the plants caught his eye. The plant was called a Century Plant. The somewhat dishonest florist told Mr. Fields that this plant only flowered once per century and that within 24 hours it would bloom. In a drunken ecstasy, Fields bought the over-priced plant, brought it home and invited many of his Hollywood pals over for the 24-hour wait for this Century Plant to flower. And wait they did. Two days of hard, heavy drinking passed and still the flower failed to bloom. Fields, fed up with waiting, went to his locked drawer, yanked the key off the wall hook and inserted it into the keyhole. Hearing the unlocking click, he yanked the drawer out and grabbed his pistol. He went into the livingroom where the Century Plant lay at rest and said to the plant: "For the last time, bloom! Bloom!!! Do you hear me, you fool?" Mysteriously, the plant remained silent and the flower failed to appear. Bang! He shot the plant and soil into a thousand directions and walked back into the kitchen for another shot of whiskey.

    Mr. Fields is not so different than most people who want quick results or want something for nothing. He got impatient and never gave his flower a chance to bloom.

    Have you ever wondered what could have happened for the better, if you had been a bit more patient with someone, with some project, or with some study you gave up on?

    Most of us shoot the plant before it has a chance to flower. God only knows how many times I have given up too soon. And turning back too soon results in low levels of self-confidence.

    And when you lose your self-confidence, opportunity becomes like a disease. You close your mind step-by-step to the magnificent, golden fields of opportunity. You hear people say things like "I know about that" or "I did that and it doesn’t work" or "Japanese are all alike" or "My friend tried that and lost money."

    Sound familiar?

    Regret is a bitter pill to swallow.

    Following through brings rewards and momentum.

    I speak from experience. Nine and a half months ago I weighed in at 114 kilograms. My blood pressure was skyrocketing, my legs were swollen because of poor circulation. I was on a regiment of pills to control all the diseases that were starting to effect me. Clothes didn't fit well. I looked like a poor cousin of Konishiki, the gargantuan sumoist. My wife, a nurse, was constantly complaining to me that being so fat was dangerous and selfish to the family. She was right, but I ate more under that pressure.

    If you had seen me at that time you would not have believed that this over-fifty-year-old man, me, could have totally turned his troubled life and body around.

    I’m back from the valley of the living dead to inspire each of you to do your best, always.

    I did my best for the last nine months of weight loss and you can too with whatever areas of your life requiring improvement, once you understand the mindset for success. Last Friday I weighed in at 74 kilograms. My blood pressure is almost perfect. My leg swelling is virtually gone. The bounce is back in my walk. I can fit into Japanese-sized clothing without difficulty. The pillbox of disease is history.

    Whether your twenty or eighty, fat or thin, smart or not so smart, handsome, pretty or not, rich or poor, confident or lacking confidence...there are better tomorrows and they should start today.

    Not one precious soul in this world hasn’t at least secretly wished he or she could live a first-class, healthy life.

    A famous speaker once said, "If a man tells you he doesn’t care about his self-improvement and success, there’s no telling what else he might lie to you about."

    I'm certain many of us don't change because we are caught in what is often referred to as the "comfort zone."

    The comfort zone is that cubbyhole place where we can consistently justify our underachievement and abandon our hopes and dreams while being cheered on by our failing and failed comrades. They are going nowhere and they are glad that you are too.

    When we hang around with other people who are living compromised, unfulfilled lives it is easy to catch the blues. Misery does enjoy the company of other giver-uppers.

    Don’t look in that dark storm, however, for support in your quest for betterment and excellence.

    Great minds do, however, arise from the ashes of despair and hopelessness.

    Those of Excellence do not live in mediocre circles, and neither should you.

    The comfort zone club only loves you when you stop trying as hard as you can. That’s the wrong club to hang out at.

    If you want to soar, then hang out with the hawks and eagles. Attend meetings and seminars with people serious about learning and improving upon their life and business skills. Read books by people who have accomplished much by doing and sharing much.

    Look up, look down, look sideways and look within.

    Pause and reflect on your blessings.

    Smile until it doesn’t hurt.

    Listen until your tongue bleeds.

    Take nothing for granted.

    Give others credit, even when it is not due.

    Put high expectations on everyone but never be disappointed if others can’t or don’t live up to your standards.

    Be wrong often, even when you know you are right.

    Make a mountain of errors in your pursuit of excellence.

    Focus on the person/people you are with, as if it may be the last time you meet. And it may just be.

    Be the first to reach out with a hand of friendship or an encouraging pat on the back.

    One of my favorite motivational speakers and a multi-millionaire sales trainer as well is named Zig Zeigler. He has often said at his seminars: "Are you a wandering generality or a meaningful specific?"

    A wandering generality --- do you spend your life avoiding risk and settling for second best? A meaningful specific --- do you have any short-, medium- and long-term plans for your life? Are you orchestrating your life or is your boss or spouse doing the orchestrating?

    What are we living for? Are we living for our parents’, spouse’s or children’s dreams and hopes? Or are we selfishly - some people may want you to believe - looking out only for our own self-interests?

    Frankly, there isn't a single soul in the world who isn't living for the appreciation and respect of others.

    We all want love and acceptance.

    Our self-interest gives us the confidence and reserve energy required for moving forward and navigating the uncharted waters of our lives.

    Our value on this planet is in direct proportion to the effort each of us puts out, even though we can rest.

    Even though no one may be watching.

    Even though the result may be in doubt.

    Even though the money may not be in the bank.

    Even though a loved one may be suffering from a disease or other misfortune.

    Even though the sun hasn’t shone for a week.

    Even though you’re getting by on three hours’ rest and holding down two jobs.

    Even though we are told to fear terrorists and terrorism.

    Even though the economy is in the doldrums.

    Even though your boss doesn’t like you.

    Even though your spouse doesn’t pay attention to you.

    Even though no one cares about you.

    We are all given the same twenty-four hours each day. No more and no less. How we fill that time defines us.

    Thomas Edison, the prolific inventor of thousands of clever gadgets, once was asked about his invention of the lightbulb. The questioner wondered how he could have had the perseverance to continue with his experiments after thousands' of failures. He quickly snapped back: "Results! Why, man, I have gotten a lot of results. I know several thousand things that won't work."

    Stop complaining and moaning. Things don't work. People don't work. Children don't listen. Nobody loves you (or so you think). The world is going to hell. The government is the cause of my problems. I don't have enough money, enough time, enough brains, enough good looks. I'm too shy. He pushes me around. There's no hope. Rich people are lucky. It's my destiny to fail. Everything I touch goes bad. And my parents are the reason I'm a nobody.

    On and on, the excuses flow, and we never have to get off our behinds and get to work on being the best we can.

    With a suicidal rapidity we march forward toward a painful mental and physical death or living hell --- "Oh well" or a "I never got any breaks" or "What’s the use."

    As you get older you start in with your list of "used to’s." We alllllll do it or have done it. "I used to be a good tennis player." "I used to bake bread." "I used to be in great shape." "I used to have four girlfriends." "I used to like people." "I used to have ambition." "I used to have a lot of money." I used to be a good tenor." "I used to write short stories." "I used to read a lot." Or here’s a clever one: "I used to have a sense of humor." And the grand prizewinner is: "I used to have time."

    Hey, folks, time is not about to change. But your perception of time must change. You must be focused.

    Although our lives are finite, the opportunities within our lifetime are infinite and timeless.

    A woman climbed Mt. Everest in her late seventies recently. A man ran and completed a marathon at age 100. An ex-President skydived at age 88. Actor Paul Newman drove in the 24-Hour Daytona Race when he was 75.

    Tired? Consider this: John Wesley, a famous Christian minister of the 19th Century, preached over 40,000 sermons and traveled 225,000 miles (his horse had never heard of kilometers). Did you realize these figures belong only to the latter part of his life, from age 36 to 88?

    And if you need more inspiration, let me read to you about a very special granny.

    Anna Mary Robertson (Grandma Moses) was born on September 7, 1860 in Greenwich New York. She spent most of her life as a farmer's wife and raising her five children. She didn't become serious about painting until she was in her mid seventies. Up until that time, she enjoyed embroidery work with colorful scenes on canvas but when her hands became stiff with arthritis, she switched to painting. Her first picture was painted on a piece of canvas with house paint.

    In 1938 when she was almost eighty, Louis J. Caldor, an art collector noticed her work in a drugstore window and bought her first paintings. In 1939, Otto Kallir, art dealer first exhibited her scenes of rural life at his Gallerie Saint-Etienne in New York City. Her one-woman show brought national recognition.

    Gimbel's Department Store invited Grandma to New York to see a display of her painting at a Thanksgiving festival. Here she met many people who were fascinated by her paintings and by 1941 she received New York state prize for one of her paintings, "The Old Oaken Bucket." In 1949, President Harry S. Truman presented her with the Women's National Press Club Award for outstanding accomplishment in art.

    In 1955, the news reporter Edward R. Murrow invited her on his TV show, See It Now. People watched the TV screen as Grandma painted a picture from her house. She sat at an old table and painted on masonite, a thin hard board. "I like to paint old-timey things," she said.

    Her work is called primitive art, a simple and clear style and her theme was American rural life. Many primitive artists have not had formal training yet seem to paint in a natural way. Grandma drew from her memory and captured activities such as capturing the Thanksgiving turkey, Halloween night on the farm and having a family reunion picnic.

    At age 100, she illustrated an edition of "The Night Before Christmas" by Clement Moore and the book was published after her death. Grandma Moses died on December 13, 1961. She lived to be 101 and in the last year of her life painted twenty-five pictures!

    It’s all in your head. Are you a wandering generality or meaningful specific?

    Succeed Like the Super-Successful
    Two undeniable traits of the super-successful are: their belief in self, and an uncompromising expectation that they will succeed ... no matter what. Their dreams and goals are real. So real, these individuals stay inspired despite any and all obstacles before them. The super-successful distinguish themselves by believing and doing differently from everyone else. They sustain an attitude of fervent expectancy and have a relentless passion for success. These two components fuel their entire belief system. So, just what is the belief system of the super-successful? It's as simple premise: "My goals are well on their way to being achieved. It's a "done-deal!"Successful people keep this mantra in their mind all the time. That's why they're always smiling! They simply have something sensational, to smile about. Speaking of smiling...I recently saw Earvin "Magic" Johnson, former NBA, MVP and current "almost-billionaire" businessman being interviewed on TV. He exudes charismatic expectancy when he speaks about his enterprises and next big business ventures. Now, Magic is in a league of his own. He's super, super- duper-successful. Seemingly and effortlessly, he believes his visions into fruition.Magic has an incredible aura for successfully projecting his vision to investors, promoters and consumers alike. As the result, he owns of a whopping 76 Burger King Restaurants, 42 Starbucks coffee houses, 11 Magic Johnson Movie Theaters, three banks, several music, film and television companies...would you believe this list goes on? Succeed like the super-successful. Employ enthusiastic expectancy in your quest for success.
    art of fire-walking barefooted across red-hot coals. It takes a full weekend to mind train and convince his audience that they can do such a dangerous task effortlessly and with no injury. Amazingly, he has never had an injury at his seminars requiring hospitalization. Why would the participants take the risk of getting seriously burned in a coal pit?

    Why is an excellent question. Tony Robbins believes and fully lives a life of truth. He follows through. He wants his seminar participants to experience the victory over unbelievable circumstances. If you master coal walking, then dealing with sassy teenage daughters and sons seems that much easier. Dealing with a demanding or unfair boss becomes a trivial manner.

    Nobody can or will do the hard work for us.

    There is a price to be paid for success and fulfillment. That price is --- to never give up.

    Never ever give up on your dreams and plans. Only losers do.

    I read in a newspaper clip a few month's ago of a very old yet active woman, Lana by name, one hundred and three years young, and her reaction to the question 'What makes you stay young?' Her response?

    "We don't stop playing because we grow older, we grow older because we stop playing."

    Folks, our lives are not a dress rehearsal. Our lives are what we make them. The seeds we plant now will bloom into flowers over time.

    Patience is a willingness to stick with a plan whether or not the sun shines, the wife loves you, the boss respects you, the money is flowing in or the economy is rising up. Patience brings results...

    There was a famous, cynical comedian in the 1930s named W.C. Fields. He loved to drink, he loved to party and he loved to make people laugh. He was extremely funny. One day he was walking through a flower shop and a tag on one of the plants caught his eye. The plant was called a Century Plant. The somewhat dishonest florist told Mr. Fields that this plant only flowered once per century and that within 24 hours it would bloom. In a drunken ecstasy, Fields bought the over-priced plant, brought it home and invited many of his Hollywood pals over for the 24-hour wait for this Century Plant to flower. And wait they did. Two days of hard, heavy drinking passed and still the flower failed to bloom. Fields, fed up with waiting, went to his locked drawer, yanked the key off the wall hook and inserted it into the keyhole. Hearing the unlocking click, he yanked the drawer out and grabbed his pistol. He went into the livingroom where the Century Plant lay at rest and said to the plant: "For the last time, bloom! Bloom!!! Do you hear me, you fool?" Mysteriously, the plant remained silent and the flower failed to appear. Bang! He shot the plant and soil into a thousand directions and walked back into the kitchen for another shot of whiskey.

    Mr. Fields is not so different than most people who want quick results or want something for nothing. He got impatient and never gave his flower a chance to bloom.

    Have you ever wondered what could have happened for the better, if you had been a bit more patient with someone, with some project, or with some study you gave up on?

    Most of us shoot the plant before it has a chance to flower. God only knows how many times I have given up too soon. And turning back too soon results in low levels of self-confidence.

    And when you lose your self-confidence, opportunity becomes like a disease. You close your mind step-by-step to the magnificent, golden fields of opportunity. You hear people say things like "I know about that" or "I did that and it doesn’t work" or "Japanese are all alike" or "My friend tried that and lost money."

    Sound familiar?

    Regret is a bitter pill to swallow.

    Following through brings rewards and momentum.

    I speak from experience. Nine and a half months ago I weighed in at 114 kilograms. My blood pressure was skyrocketing, my legs were swollen because of poor circulation. I was on a regiment of pills to control all the diseases that were starting to effect me. Clothes didn't fit well. I looked like a poor cousin of Konishiki, the gargantuan sumoist. My wife, a nurse, was constantly complaining to me that being so fat was dangerous and selfish to the family. She was right, but I ate more under that pressure.

    If you had seen me at that time you would not have believed that this over-fifty-year-old man, me, could have totally turned his troubled life and body around.

    I’m back from the valley of the living dead to inspire each of you to do your best, always.

    I did my best for the last nine months of weight loss and you can too with whatever areas of your life requiring improvement, once you understand the mindset for success. Last Friday I weighed in at 74 kilograms. My blood pressure is almost perfect. My leg swelling is virtually gone. The bounce is back in my walk. I can fit into Japanese-sized clothing without difficulty. The pillbox of disease is history.

    Whether your twenty or eighty, fat or thin, smart or not so smart, handsome, pretty or not, rich or poor, confident or lacking confidence...there are better tomorrows and they should start today.

    Not one precious soul in this world hasn’t at least secretly wished he or she could live a first-class, healthy life.

    A famous speaker once said, "If a man tells you he doesn’t care about his self-improvement and success, there’s no telling what else he might lie to you about."

    I'm certain many of us don't change because we are caught in what is often referred to as the "comfort zone."

    The comfort zone is that cubbyhole place where we can consistently justify our underachievement and abandon our hopes and dreams while being cheered on by our failing and failed comrades. They are going nowhere and they are glad that you are too.

    When we hang around with other people who are living compromised, unfulfilled lives it is easy to catch the blues. Misery does enjoy the company of other giver-uppers.

    Don’t look in that dark storm, however, for support in your quest for betterment and excellence.

    Great minds do, however, arise from the ashes of despair and hopelessness.

    Those of Excellence do not live in mediocre circles, and neither should you.

    The comfort zone club only loves you when you stop trying as hard as you can. That’s the wrong club to hang out at.

    If you want to soar, then hang out with the hawks and eagles. Attend meetings and seminars with people serious about learning and improving upon their life and business skills. Read books by people who have accomplished much by doing and sharing much.

    Look up, look down, look sideways and look within.

    Pause and reflect on your blessings.

    Smile until it doesn’t hurt.

    Listen until your tongue bleeds.

    Take nothing for granted.

    Give others credit, even when it is not due.

    Put high expectations on everyone but never be disappointed if others can’t or don’t live up to your standards.

    Be wrong often, even when you know you are right.

    Make a mountain of errors in your pursuit of excellence.

    Focus on the person/people you are with, as if it may be the last time you meet. And it may just be.

    Be the first to reach out with a hand of friendship or an encouraging pat on the back.

    One of my favorite motivational speakers and a multi-millionaire sales trainer as well is named Zig Zeigler. He has often said at his seminars: "Are you a wandering generality or a meaningful specific?"

    A wandering generality --- do you spend your life avoiding risk and settling for second best? A meaningful specific --- do you have any short-, medium- and long-term plans for your life? Are you orchestrating your life or is your boss or spouse doing the orchestrating?

    What are we living for? Are we living for our parents’, spouse’s or children’s dreams and hopes? Or are we selfishly - some people may want you to believe - looking out only for our own self-interests?

    Frankly, there isn't a single soul in the world who isn't living for the appreciation and respect of others.

    We all want love and acceptance.

    Our self-interest gives us the confidence and reserve energy required for moving forward and navigating the uncharted waters of our lives.

    Our value on this planet is in direct proportion to the effort each of us puts out, even though we can rest.

    Even though no one may be watching.

    Even though the result may be in doubt.

    Even though the money may not be in the bank.

    Even though a loved one may be suffering from a disease or other misfortune.

    Even though the sun hasn’t shone for a week.

    Even though you’re getting by on three hours’ rest and holding down two jobs.

    Even though we are told to fear terrorists and terrorism.

    Even though the economy is in the doldrums.

    Even though your boss doesn’t like you.

    Even though your spouse doesn’t pay attention to you.

    Even though no one cares about you.

    We are all given the same twenty-four hours each day. No more and no less. How we fill that time defines us.

    Thomas Edison, the prolific inventor of thousands of clever gadgets, once was asked about his invention of the lightbulb. The questioner wondered how he could have had the perseverance to continue with his experiments after thousands' of failures. He quickly snapped back: "Results! Why, man, I have gotten a lot of results. I know several thousand things that won't work."

    Stop complaining and moaning. Things don't work. People don't work. Children don't listen. Nobody loves you (or so you think). The world is going to hell. The government is the cause of my problems. I don't have enough money, enough time, enough brains, enough good looks. I'm too shy. He pushes me around. There's no hope. Rich people are lucky. It's my destiny to fail. Everything I touch goes bad. And my parents are the reason I'm a nobody.

    On and on, the excuses flow, and we never have to get off our behinds and get to work on being the best we can.

    With a suicidal rapidity we march forward toward a painful mental and physical death or living hell --- "Oh well" or a "I never got any breaks" or "What’s the use."

    As you get older you start in with your list of "used to’s." We alllllll do it or have done it. "I used to be a good tennis player." "I used to bake bread." "I used to be in great shape." "I used to have four girlfriends." "I used to like people." "I used to have ambition." "I used to have a lot of money." I used to be a good tenor." "I used to write short stories." "I used to read a lot." Or here’s a clever one: "I used to have a sense of humor." And the grand prizewinner is: "I used to have time."

    Hey, folks, time is not about to change. But your perception of time must change. You must be focused.

    Although our lives are finite, the opportunities within our lifetime are infinite and timeless.

    A woman climbed Mt. Everest in her late seventies recently. A man ran and completed a marathon at age 100. An ex-President skydived at age 88. Actor Paul Newman drove in the 24-Hour Daytona Race when he was 75.

    Tired? Consider this: John Wesley, a famous Christian minister of the 19th Century, preached over 40,000 sermons and traveled 225,000 miles (his horse had never heard of kilometers). Did you realize these figures belong only to the latter part of his life, from age 36 to 88?

    And if you need more inspiration, let me read to you about a very special granny.

    Anna Mary Robertson (Grandma Moses) was born on September 7, 1860 in Greenwich New York. She spent most of her life as a farmer's wife and raising her five children. She didn't become serious about painting until she was in her mid seventies. Up until that time, she enjoyed embroidery work with colorful scenes on canvas but when her hands became stiff with arthritis, she switched to painting. Her first picture was painted on a piece of canvas with house paint.

    In 1938 when she was almost eighty, Louis J. Caldor, an art collector noticed her work in a drugstore window and bought her first paintings. In 1939, Otto Kallir, art dealer first exhibited her scenes of rural life at his Gallerie Saint-Etienne in New York City. Her one-woman show brought national recognition.

    Gimbel's Department Store invited Grandma to New York to see a display of her painting at a Thanksgiving festival. Here she met many people who were fascinated by her paintings and by 1941 she received New York state prize for one of her paintings, "The Old Oaken Bucket." In 1949, President Harry S. Truman presented her with the Women's National Press Club Award for outstanding accomplishment in art.

    In 1955, the news reporter Edward R. Murrow invited her on his TV show, See It Now. People watched the TV screen as Grandma painted a picture from her house. She sat at an old table and painted on masonite, a thin hard board. "I like to paint old-timey things," she said.

    Her work is called primitive art, a simple and clear style and her theme was American rural life. Many primitive artists have not had formal training yet seem to paint in a natural way. Grandma drew from her memory and captured activities such as capturing the Thanksgiving turkey, Halloween night on the farm and having a family reunion picnic.

    At age 100, she illustrated an edition of "The Night Before Christmas" by Clement Moore and the book was published after her death. Grandma Moses died on December 13, 1961. She lived to be 101 and in the last year of her life painted twenty-five pictures!

    It’s all in your head. Are you a wandering generality or meaningful specific?

    <
    Your Online Marketing Budget
    Contrary to what you are being told you can’t make money online without spending some. I know there are millions of sites that say differently but this article is about truths not fiction, so let’s take a look at a typical budget needed to make money online.There are many marketing strategies to pick from and depending on which you choose will determine how much you might need to budget for your project. The strategy I’m going to talk about today involves building a network of mini sites. This is a very popular strategy for marketers trying to make money from Google AdSense and Affiliate programs.I’m not writing this article to give you a step by step guide to building a mini site network, I just want you to understand what the costs are if you choose this strategy. This way you will at least know upfront what type of budget you will need.1- The first thing you’re going to need to purchase is an e-book from one or two reputable Gurus that will explain the concept of building niche mini sites. You can expect to pay around $39.97 each for a good e-book.2- These books will explain to you how to do Key Word research to determine the demand for your niche. This is very important and a step that takes a lot of time but can not be skipped if you every plan on making money. There are a number of good software programs that make this research a little less painful and you can expect to pay around $197.00 for a good one.3- Once you choose a profitable niche to build a site around you will need to register a domain name for your site. Skipping ahead a little bit you need to understand that the way this strategy works you will be building many sites, so you will need a domain name for each. Some of the most successful marketers using this concept have hundreds of mini sites. For the purpose of setting a budget we’ll figure you will start off with building just 10. You won’t get rich off of ten but the idea here is to keep building them and after a few years you will end up with enough to possible make a good income. That is if you do it right and you pick the correct niches and key words to build your pages around. So if we figure 10 per year you will be spending around $100.00 per year to register 10 domains. Remember each of these domain names need renewed so this is an accumulative expense that is ongoing.4- Then you are going to need to purchase a hosting account to host you web sites. This gets a little tricky. Yes you can purchase what is called a re-seller hosting account that will allow you to put all 10 domains und
    ou close your mind step-by-step to the magnificent, golden fields of opportunity. You hear people say things like "I know about that" or "I did that and it doesn’t work" or "Japanese are all alike" or "My friend tried that and lost money."

    Sound familiar?

    Regret is a bitter pill to swallow.

    Following through brings rewards and momentum.

    I speak from experience. Nine and a half months ago I weighed in at 114 kilograms. My blood pressure was skyrocketing, my legs were swollen because of poor circulation. I was on a regiment of pills to control all the diseases that were starting to effect me. Clothes didn't fit well. I looked like a poor cousin of Konishiki, the gargantuan sumoist. My wife, a nurse, was constantly complaining to me that being so fat was dangerous and selfish to the family. She was right, but I ate more under that pressure.

    If you had seen me at that time you would not have believed that this over-fifty-year-old man, me, could have totally turned his troubled life and body around.

    I’m back from the valley of the living dead to inspire each of you to do your best, always.

    I did my best for the last nine months of weight loss and you can too with whatever areas of your life requiring improvement, once you understand the mindset for success. Last Friday I weighed in at 74 kilograms. My blood pressure is almost perfect. My leg swelling is virtually gone. The bounce is back in my walk. I can fit into Japanese-sized clothing without difficulty. The pillbox of disease is history.

    Whether your twenty or eighty, fat or thin, smart or not so smart, handsome, pretty or not, rich or poor, confident or lacking confidence...there are better tomorrows and they should start today.

    Not one precious soul in this world hasn’t at least secretly wished he or she could live a first-class, healthy life.

    A famous speaker once said, "If a man tells you he doesn’t care about his self-improvement and success, there’s no telling what else he might lie to you about."

    I'm certain many of us don't change because we are caught in what is often referred to as the "comfort zone."

    The comfort zone is that cubbyhole place where we can consistently justify our underachievement and abandon our hopes and dreams while being cheered on by our failing and failed comrades. They are going nowhere and they are glad that you are too.

    When we hang around with other people who are living compromised, unfulfilled lives it is easy to catch the blues. Misery does enjoy the company of other giver-uppers.

    Don’t look in that dark storm, however, for support in your quest for betterment and excellence.

    Great minds do, however, arise from the ashes of despair and hopelessness.

    Those of Excellence do not live in mediocre circles, and neither should you.

    The comfort zone club only loves you when you stop trying as hard as you can. That’s the wrong club to hang out at.

    If you want to soar, then hang out with the hawks and eagles. Attend meetings and seminars with people serious about learning and improving upon their life and business skills. Read books by people who have accomplished much by doing and sharing much.

    Look up, look down, look sideways and look within.

    Pause and reflect on your blessings.

    Smile until it doesn’t hurt.

    Listen until your tongue bleeds.

    Take nothing for granted.

    Give others credit, even when it is not due.

    Put high expectations on everyone but never be disappointed if others can’t or don’t live up to your standards.

    Be wrong often, even when you know you are right.

    Make a mountain of errors in your pursuit of excellence.

    Focus on the person/people you are with, as if it may be the last time you meet. And it may just be.

    Be the first to reach out with a hand of friendship or an encouraging pat on the back.

    One of my favorite motivational speakers and a multi-millionaire sales trainer as well is named Zig Zeigler. He has often said at his seminars: "Are you a wandering generality or a meaningful specific?"

    A wandering generality --- do you spend your life avoiding risk and settling for second best? A meaningful specific --- do you have any short-, medium- and long-term plans for your life? Are you orchestrating your life or is your boss or spouse doing the orchestrating?

    What are we living for? Are we living for our parents’, spouse’s or children’s dreams and hopes? Or are we selfishly - some people may want you to believe - looking out only for our own self-interests?

    Frankly, there isn't a single soul in the world who isn't living for the appreciation and respect of others.

    We all want love and acceptance.

    Our self-interest gives us the confidence and reserve energy required for moving forward and navigating the uncharted waters of our lives.

    Our value on this planet is in direct proportion to the effort each of us puts out, even though we can rest.

    Even though no one may be watching.

    Even though the result may be in doubt.

    Even though the money may not be in the bank.

    Even though a loved one may be suffering from a disease or other misfortune.

    Even though the sun hasn’t shone for a week.

    Even though you’re getting by on three hours’ rest and holding down two jobs.

    Even though we are told to fear terrorists and terrorism.

    Even though the economy is in the doldrums.

    Even though your boss doesn’t like you.

    Even though your spouse doesn’t pay attention to you.

    Even though no one cares about you.

    We are all given the same twenty-four hours each day. No more and no less. How we fill that time defines us.

    Thomas Edison, the prolific inventor of thousands of clever gadgets, once was asked about his invention of the lightbulb. The questioner wondered how he could have had the perseverance to continue with his experiments after thousands' of failures. He quickly snapped back: "Results! Why, man, I have gotten a lot of results. I know several thousand things that won't work."

    Stop complaining and moaning. Things don't work. People don't work. Children don't listen. Nobody loves you (or so you think). The world is going to hell. The government is the cause of my problems. I don't have enough money, enough time, enough brains, enough good looks. I'm too shy. He pushes me around. There's no hope. Rich people are lucky. It's my destiny to fail. Everything I touch goes bad. And my parents are the reason I'm a nobody.

    On and on, the excuses flow, and we never have to get off our behinds and get to work on being the best we can.

    With a suicidal rapidity we march forward toward a painful mental and physical death or living hell --- "Oh well" or a "I never got any breaks" or "What’s the use."

    As you get older you start in with your list of "used to’s." We alllllll do it or have done it. "I used to be a good tennis player." "I used to bake bread." "I used to be in great shape." "I used to have four girlfriends." "I used to like people." "I used to have ambition." "I used to have a lot of money." I used to be a good tenor." "I used to write short stories." "I used to read a lot." Or here’s a clever one: "I used to have a sense of humor." And the grand prizewinner is: "I used to have time."

    Hey, folks, time is not about to change. But your perception of time must change. You must be focused.

    Although our lives are finite, the opportunities within our lifetime are infinite and timeless.

    A woman climbed Mt. Everest in her late seventies recently. A man ran and completed a marathon at age 100. An ex-President skydived at age 88. Actor Paul Newman drove in the 24-Hour Daytona Race when he was 75.

    Tired? Consider this: John Wesley, a famous Christian minister of the 19th Century, preached over 40,000 sermons and traveled 225,000 miles (his horse had never heard of kilometers). Did you realize these figures belong only to the latter part of his life, from age 36 to 88?

    And if you need more inspiration, let me read to you about a very special granny.

    Anna Mary Robertson (Grandma Moses) was born on September 7, 1860 in Greenwich New York. She spent most of her life as a farmer's wife and raising her five children. She didn't become serious about painting until she was in her mid seventies. Up until that time, she enjoyed embroidery work with colorful scenes on canvas but when her hands became stiff with arthritis, she switched to painting. Her first picture was painted on a piece of canvas with house paint.

    In 1938 when she was almost eighty, Louis J. Caldor, an art collector noticed her work in a drugstore window and bought her first paintings. In 1939, Otto Kallir, art dealer first exhibited her scenes of rural life at his Gallerie Saint-Etienne in New York City. Her one-woman show brought national recognition.

    Gimbel's Department Store invited Grandma to New York to see a display of her painting at a Thanksgiving festival. Here she met many people who were fascinated by her paintings and by 1941 she received New York state prize for one of her paintings, "The Old Oaken Bucket." In 1949, President Harry S. Truman presented her with the Women's National Press Club Award for outstanding accomplishment in art.

    In 1955, the news reporter Edward R. Murrow invited her on his TV show, See It Now. People watched the TV screen as Grandma painted a picture from her house. She sat at an old table and painted on masonite, a thin hard board. "I like to paint old-timey things," she said.

    Her work is called primitive art, a simple and clear style and her theme was American rural life. Many primitive artists have not had formal training yet seem to paint in a natural way. Grandma drew from her memory and captured activities such as capturing the Thanksgiving turkey, Halloween night on the farm and having a family reunion picnic.

    At age 100, she illustrated an edition of "The Night Before Christmas" by Clement Moore and the book was published after her death. Grandma Moses died on December 13, 1961. She lived to be 101 and in the last year of her life painted twenty-five pictures!

    It’s all in your head. Are you a wandering generality or meaningful specific?

    <
    3 Dynamic Techniques To Boost Your Executive Leadership!
    Here's a really simple way to measure the strength of your executive leadership skills. Ask your people to name 3 important reasons why they enjoy working with you.Most leaders find it acceptable to be viewed as a "nice", "friendly" or "clever" person.Others prefer to be "hands-off" - you know the type of boss who lets us do our work the way we choose to do it - the leader who wants our work done and doesn't care to be bothered with the hows or whys of our doing it.Some or all of the above traits may fit into your patterns of leading but are those leadership attributes and styles being fair to your people or helping your mission?The real question is this: How is your leadership adding value to, improving the quality in and nurturing the growth of your organization?Here are 3 potent steps you can take in your leadership practice to become a value-oriented, quality-focused, growth-driven leader.First Action-Step - How Do You Know?As Professor Thomas Davenport points out, "...if you want your economy [or organization] to grow, your knowledge workers had better be doing a good job." If your people are doing good work, how do you know that they are?So your first leadership action is one of discovery - you must explore ways to find out=> How are your people performing their work=> What tasks, activities, objectives and priorities are people working on=> Why are people doing what they are doing=> When are people doing their work, and=> Where your people are focusing their best efforts during the performance of their duties.When you take the time ask, challenge or inquire with questions that demand open-ended answers, you will get a clearer picture of the value, quality and competence of your group's actions."Approach each new problem not with a view of finding what you hope will be there, but to get the truth, the realities that must be grappled with. You may not like what you find. In that case you are entitled to try to change it. But do not deceive yourself as to what you do find to be the facts of the situation."- Bernard BaruchSecond Action-Step - What Do You Draw When You Picture Your Mind's Eye?"Everything you can imagine is real. I paint objects as I think them, not as I see them." - Pablo PicassoExecutive leadership constantly strives to envision, imagine and conceive images of what comes next - what many of us call "tomorrow".Give yourself permis
    credit, even when it is not due.

    Put high expectations on everyone but never be disappointed if others can’t or don’t live up to your standards.

    Be wrong often, even when you know you are right.

    Make a mountain of errors in your pursuit of excellence.

    Focus on the person/people you are with, as if it may be the last time you meet. And it may just be.

    Be the first to reach out with a hand of friendship or an encouraging pat on the back.

    One of my favorite motivational speakers and a multi-millionaire sales trainer as well is named Zig Zeigler. He has often said at his seminars: "Are you a wandering generality or a meaningful specific?"

    A wandering generality --- do you spend your life avoiding risk and settling for second best? A meaningful specific --- do you have any short-, medium- and long-term plans for your life? Are you orchestrating your life or is your boss or spouse doing the orchestrating?

    What are we living for? Are we living for our parents’, spouse’s or children’s dreams and hopes? Or are we selfishly - some people may want you to believe - looking out only for our own self-interests?

    Frankly, there isn't a single soul in the world who isn't living for the appreciation and respect of others.

    We all want love and acceptance.

    Our self-interest gives us the confidence and reserve energy required for moving forward and navigating the uncharted waters of our lives.

    Our value on this planet is in direct proportion to the effort each of us puts out, even though we can rest.

    Even though no one may be watching.

    Even though the result may be in doubt.

    Even though the money may not be in the bank.

    Even though a loved one may be suffering from a disease or other misfortune.

    Even though the sun hasn’t shone for a week.

    Even though you’re getting by on three hours’ rest and holding down two jobs.

    Even though we are told to fear terrorists and terrorism.

    Even though the economy is in the doldrums.

    Even though your boss doesn’t like you.

    Even though your spouse doesn’t pay attention to you.

    Even though no one cares about you.

    We are all given the same twenty-four hours each day. No more and no less. How we fill that time defines us.

    Thomas Edison, the prolific inventor of thousands of clever gadgets, once was asked about his invention of the lightbulb. The questioner wondered how he could have had the perseverance to continue with his experiments after thousands' of failures. He quickly snapped back: "Results! Why, man, I have gotten a lot of results. I know several thousand things that won't work."

    Stop complaining and moaning. Things don't work. People don't work. Children don't listen. Nobody loves you (or so you think). The world is going to hell. The government is the cause of my problems. I don't have enough money, enough time, enough brains, enough good looks. I'm too shy. He pushes me around. There's no hope. Rich people are lucky. It's my destiny to fail. Everything I touch goes bad. And my parents are the reason I'm a nobody.

    On and on, the excuses flow, and we never have to get off our behinds and get to work on being the best we can.

    With a suicidal rapidity we march forward toward a painful mental and physical death or living hell --- "Oh well" or a "I never got any breaks" or "What’s the use."

    As you get older you start in with your list of "used to’s." We alllllll do it or have done it. "I used to be a good tennis player." "I used to bake bread." "I used to be in great shape." "I used to have four girlfriends." "I used to like people." "I used to have ambition." "I used to have a lot of money." I used to be a good tenor." "I used to write short stories." "I used to read a lot." Or here’s a clever one: "I used to have a sense of humor." And the grand prizewinner is: "I used to have time."

    Hey, folks, time is not about to change. But your perception of time must change. You must be focused.

    Although our lives are finite, the opportunities within our lifetime are infinite and timeless.

    A woman climbed Mt. Everest in her late seventies recently. A man ran and completed a marathon at age 100. An ex-President skydived at age 88. Actor Paul Newman drove in the 24-Hour Daytona Race when he was 75.

    Tired? Consider this: John Wesley, a famous Christian minister of the 19th Century, preached over 40,000 sermons and traveled 225,000 miles (his horse had never heard of kilometers). Did you realize these figures belong only to the latter part of his life, from age 36 to 88?

    And if you need more inspiration, let me read to you about a very special granny.

    Anna Mary Robertson (Grandma Moses) was born on September 7, 1860 in Greenwich New York. She spent most of her life as a farmer's wife and raising her five children. She didn't become serious about painting until she was in her mid seventies. Up until that time, she enjoyed embroidery work with colorful scenes on canvas but when her hands became stiff with arthritis, she switched to painting. Her first picture was painted on a piece of canvas with house paint.

    In 1938 when she was almost eighty, Louis J. Caldor, an art collector noticed her work in a drugstore window and bought her first paintings. In 1939, Otto Kallir, art dealer first exhibited her scenes of rural life at his Gallerie Saint-Etienne in New York City. Her one-woman show brought national recognition.

    Gimbel's Department Store invited Grandma to New York to see a display of her painting at a Thanksgiving festival. Here she met many people who were fascinated by her paintings and by 1941 she received New York state prize for one of her paintings, "The Old Oaken Bucket." In 1949, President Harry S. Truman presented her with the Women's National Press Club Award for outstanding accomplishment in art.

    In 1955, the news reporter Edward R. Murrow invited her on his TV show, See It Now. People watched the TV screen as Grandma painted a picture from her house. She sat at an old table and painted on masonite, a thin hard board. "I like to paint old-timey things," she said.

    Her work is called primitive art, a simple and clear style and her theme was American rural life. Many primitive artists have not had formal training yet seem to paint in a natural way. Grandma drew from her memory and captured activities such as capturing the Thanksgiving turkey, Halloween night on the farm and having a family reunion picnic.

    At age 100, she illustrated an edition of "The Night Before Christmas" by Clement Moore and the book was published after her death. Grandma Moses died on December 13, 1961. She lived to be 101 and in the last year of her life painted twenty-five pictures!

    It’s all in your head. Are you a wandering generality or meaningful specific?

    <
    Asset Management
    Different Asset Allocation StrategiesAsset allocation is the process of dividing a portfolio into major asset categories such as bonds, real estate, cash, or stocks. In doing this there are three main strategies which are:1. Strategic asset marketing 2. Tactical asset marketing 3. Market TimingStrategic asset allocation:This focuses on designing a portfolio of investments that is suitable for your needs and sticking with that allocation through all market conditions. Once an asset allocation to stocks, bond, real estate, and cash is set, it remains in place for a long period of time. Due to the market always moving up and down a strategic asset allocation will get off target over time. It is suggested that an investor should put their portfolios back on track with the original target mix from time to time, this is called re-balancing. Re-balancing keeps a portfolio in line with an investor's goals and objectives, and helps control investment risk.Tactical asset allocation:Tactical asset marketing involved forecasting asset-class returns and increasing or decreasing commitment to an asset class based on the forecast. Return predictions may be a function of fundamental variables, for example economic variables, technical variables, forecast of inflation, recent price trends, earnings or interest-rate forecasts, or a combination of several variables. A tactical asset allocation is mainly based on these predictions. Tactical Asset Marketing is also known as Active Portfolio Management.Market timing:This is tactical asset allocation taken to the extreme. It involves forecasting asset returns and making “all or none' asset-class bets. A market timing strategy may start the year 100 percent in Treasury bonds and end the year 100 percent in stocks.No on likes losing money, and no one likes to be out of a bull market. Market timing solves both of these problems. Although some investors may believe that there are strategies that will allow them to successfully weave into and out of the markets, the facts show that few people actually do so, and those people may be lucky rather than good. Market timing is not recommended by the professionals.No one knows which of these three will work well. But the best bet is to keep a well-balanced multi-asset-class portfolio that maintains a strategic allocation over time.
    start in with your list of "used to’s." We alllllll do it or have done it. "I used to be a good tennis player." "I used to bake bread." "I used to be in great shape." "I used to have four girlfriends." "I used to like people." "I used to have ambition." "I used to have a lot of money." I used to be a good tenor." "I used to write short stories." "I used to read a lot." Or here’s a clever one: "I used to have a sense of humor." And the grand prizewinner is: "I used to have time."

    Hey, folks, time is not about to change. But your perception of time must change. You must be focused.

    Although our lives are finite, the opportunities within our lifetime are infinite and timeless.

    A woman climbed Mt. Everest in her late seventies recently. A man ran and completed a marathon at age 100. An ex-President skydived at age 88. Actor Paul Newman drove in the 24-Hour Daytona Race when he was 75.

    Tired? Consider this: John Wesley, a famous Christian minister of the 19th Century, preached over 40,000 sermons and traveled 225,000 miles (his horse had never heard of kilometers). Did you realize these figures belong only to the latter part of his life, from age 36 to 88?

    And if you need more inspiration, let me read to you about a very special granny.

    Anna Mary Robertson (Grandma Moses) was born on September 7, 1860 in Greenwich New York. She spent most of her life as a farmer's wife and raising her five children. She didn't become serious about painting until she was in her mid seventies. Up until that time, she enjoyed embroidery work with colorful scenes on canvas but when her hands became stiff with arthritis, she switched to painting. Her first picture was painted on a piece of canvas with house paint.

    In 1938 when she was almost eighty, Louis J. Caldor, an art collector noticed her work in a drugstore window and bought her first paintings. In 1939, Otto Kallir, art dealer first exhibited her scenes of rural life at his Gallerie Saint-Etienne in New York City. Her one-woman show brought national recognition.

    Gimbel's Department Store invited Grandma to New York to see a display of her painting at a Thanksgiving festival. Here she met many people who were fascinated by her paintings and by 1941 she received New York state prize for one of her paintings, "The Old Oaken Bucket." In 1949, President Harry S. Truman presented her with the Women's National Press Club Award for outstanding accomplishment in art.

    In 1955, the news reporter Edward R. Murrow invited her on his TV show, See It Now. People watched the TV screen as Grandma painted a picture from her house. She sat at an old table and painted on masonite, a thin hard board. "I like to paint old-timey things," she said.

    Her work is called primitive art, a simple and clear style and her theme was American rural life. Many primitive artists have not had formal training yet seem to paint in a natural way. Grandma drew from her memory and captured activities such as capturing the Thanksgiving turkey, Halloween night on the farm and having a family reunion picnic.

    At age 100, she illustrated an edition of "The Night Before Christmas" by Clement Moore and the book was published after her death. Grandma Moses died on December 13, 1961. She lived to be 101 and in the last year of her life painted twenty-five pictures!

    It’s all in your head. Are you a wandering generality or meaningful specific?

    You are what you think you are. You always meet your expectations, and if your expectations are low then your results will be low.

    Are you a good person? Are you kind? Are you soft? Are you thoughtful? Are you exhausted? Are you serious? Are you rich? Are you boring? Are you bored? Are you a housemom? Are you a dissatisfied worker? Are you an underachiever? An overachiever? A nonachiever? Are you an engineer talking about stress in buildings? Are you just an office lady filing away your hours? Are you a Kacho (boss) who secretly wishes to be in the sales department or in a laboratory or to have your own business? Are you Mr. Macho, pumping iron after hours? Are you gay and afraid to come out of the closet? Are you a Christian on a mission to save the world? Are you an eldest son with an endless sense of duty? Are you a beer drinker who never gets high on life when off the bottle? Are you a bellydancer masquerading as a department store clerk? Are you the black sheep of your family who never gets invited to family affairs? Are you the heirloom of a fortune that dishonestly tells people that your wealth was earned through hard work? Are you a welfare recipient because hamburger-flipping jobs are below you? Are you tired of life or your partner or your boss or your spouse or your children or that mother of yours’ who keeps asking about your plans for marriage?

    Are you ready for change?

    It's not easy becoming a man or woman of truth and integrity, but the effort is more than worth it.

    Concentrate, as if your life depends on it.

    If you have goals and you are focused on self-improvement, your listening skills must be improved.

    Switch off your cleverness, so that you can listen with all your might.

    Open your eyes to the world begging to be noticed.

    Smell the flowers and put a gentle hand of encouragement on the shoulder or neck of those you love.

    Two thousand years past, an ancient philosopher named Pliny the Younger said: "The grace of listening is lost if the listener's attention is demanded, not as a favor, but as a right."

    So who are you? What are you living for? What are you willing to die for? I pray these last few reading minutes forced you to question yourself about how to proceed from this day forward in being a person of achievement.

    Remember: you only grow old by thinking old.

    Keep yourself fresh.

    Look for the opportunities to serve your fellow men.

    Small acts of kindness do add up to a better world for us all.

    I leave you with this story. There was a carpenter who for forty years worked honestly and built for himself a reputation. His skill was known in all the nearby towns and villages. One day the carpenter decided that it was time to retire. He told his boss that he would like to leave after his next job. His boss agreed but said to him "Your last house is to be made with great precision. I will give you all the materials necessary to build a quality, comfortable home. The carpenter agreed to do his best, but in truth his heart just wasn’t in it. He put together the house hastily, not pounding in nails or measuring dimensions accurately. The house was done quickly and at first appearance looked good to the boss. The carpenter saw the boss count out his wages and then reach into his trousers to pull out the key. "This, my good carpenter, is your house and my final gift to you."

    When we do our best and live truthfully we can reach magnificent heights.

    Treat every house you build as you would your very own.

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