Monthly Archives: September 2013

Things that we all need to think about…

Some investors think that saving for retirement is too much of a burden
By not saving now, investors will suffer a 72% decline in standard of living in retirement
Financial pros recommend investors save at least 15% of income for retirement
USA TODAY markets reporter Matt Krantz – mkrantz@usatoday.com.

Q: What can investors do who cannot afford to save a dime for retirement?

A: Investing for retirement is a sacrifice. Investors are foregoing spending now so they’ll have money to spend in the future.

Some investors say saving for retirement is one thing they cannot afford or choose not to do it. The problem is that if investors don’t cut their current standard of living now, to invest for retirement, they’re going to be forced to cut it in the future.

The basic rule of thumb is that investors must, on average, put aside 15% of their paychecks if they want to have a fighting chance of having any money left over when they turn 95, says Stuart Ritter, financial planner at T. Rowe Price.

Just saving a small amount, say 3%, just isn’t going to cut it. Even if a 30-year-old saves 3% of income toward retirement, the chances that nest egg will last through their 95th birthday is just 1%. A person who saves nothing for retirement now will likely, on average, suffer a 72% decline in standard of living in retirement, Stuart says.

So the question isn’t whether to save now or not. It’s really a matter of deciding to give up income now, or give it up to the point of struggling later.

Simple Stuff-Happiness

(Simple Stuff is simply a bunch of inspirational, motivational and other quotes meant to make you think, reflect, smile, even laugh a bit. Hopefully helpful, useful stuff….)

 

Happiness arrives not in the absence of problems, Jim, but in the absence of rules about when you can feel it. –Michael Dooley – The Universe

 

Happiness is not something ready made. It comes from your own actions. –Dalai Lama

Most folks are as happy as they make up their minds to be.-Abraham Lincoln

Happiness is when what you think, what you say, and what you do are in harmony.-Mahatma Gandhi

 

It’s not the events of our lives that shape us, but our beliefs as to what those events mean.-Tony Robbins

 

The Constitution only gives people the right to pursue happiness. You have to catch it yourself.-Benjamin Franklin

Happiness depends upon ourselves.Aristotle

 

The happiness of your life depends upon the quality of your thoughts: therefore, guard accordingly, and take care that you entertain no notions unsuitable to virtue and reasonable nature. –Marcus Aurelius

Research has shown that the best way to be happy is to make each day happy.-Deepak Chopra

Bonus: Good book….
Happy for No Reason: 7 Steps to Being Happy from the Inside Out by Marci Shimoff and Carol Kline

Survive the Unthinkable,

 

I am always on the lookout for good books.

I try not to ‘over-recommend’ either, but here is a great one….Survive the Unthinkable,

 

…here is some background…..you may know someone in a situation that this may be relevant…..

Violence against women remains one of the most common human rights abuses in the world. Women ages 15 through 44 are more likely to die or be maimed because of male violence than because of cancer, malaria, war, and traffic accidents combined.

Rape and attempted rape are very much silent assassins. Only 16 percent of rape victims actually report an incident to the police, which means that the statistics we have about rape in the United States barely reflect the grim reality. The World Health Organization has found that domestic and sexual violence affects 30 to 60 percent of women in most countries. And the majority of offenses are committed by someone the victim knows or at least recognizes.

Perhaps the most disturbing truth is that the rape perpetrator will probably victimize seven to nine women before he’s jailed.

In our increasingly violent collective, women must often yield to an incessant voice that warns: Be careful where you walk. Be careful where you park. Be careful where you go. Be careful what you wear. Be careful what you say.

The unnerving posture of gender violence is what prompted me to seek out the best self-defense instructor I could find for the women I care about in my life — who just happens to be the author of the book you’re holding in your hands right now.

Tim Larkin’s Survive the Unthinkable relays a message of empowerment, not panic. It’s the key that can unlock your personal power as a woman.

With many things in life, the truth is often nearly 180 degrees from what your imagination might suggest. The principles and methods that Tim Larkin shares in this critical book are perfect examples of this:

  • Women need NOT be vulnerable to attack, and they already have the tools necessary to avoid violence or protect themselves in those rare instances where avoidance isn’t possible.

  • Even the most violent sociopaths are incredibly vulnerable once you know the psychology of what drives their behavior.

  • The people who are most effective at “self-defense” typically have no formal training.

Being able to protect yourself doesn’t require muscle, fancy techniques, or months of practice at the martial arts studio. All that you need to live confidently and joyfully is knowledge and the willingness to apply it.

As a woman, you have people who depend on you — perhaps your partner, children, siblings, friends. Please consider the ability to defend yourself a responsibility, not a luxury, in much the same way that you might exercise, wear your seatbelt, or get regular medical checkups.

This book presents imperative components that ensure peace of mind, which ultimately allows us to find fulfillment in our daily life. The emotional edge my friend Tim Larkin presents helps to create a better life through key adjustments to our perception, psychology, and awareness. You can trust, as I do, that Tim Larkin’s teachings are the most effective, thoroughly tested, and reliable way to ensure your safety, confidence, and self-assurance, which will in turn enable you to effectively cooperate with others, operate at optimal productivity, and get the most enjoyment out of every day of your life.

www.timlarkin.com

Approximately   1.9 million women are physically assaulted annually in the United   States alone. In his New York Times bestselling book Survive the Unthinkable, Tim Larkin empowers women to   understand that surviving a potential attack isn’t about being   physically bigger, faster, or stronger; it’s about knowing how to   self-protect, not self-defend. – See more at: http://www.timlarkin.com/book.php#more

(Foreward by Tony Robbins)

Shift any relationship

I’ve had a coach a few times in my life and it has helped me.

Here is a cool video from Tony Robbins about coaching and it shows a good example of something useful that I know I can use and I thought that you perhaps also could.

(Note: there is something for sale here. You don’t have to buy anything, just scroll down and watch videos. Also, if you do buy something, I don’t get anything from it, I am not an affiliate. This is just FYI Only)

  • Here’s a great strategy for transforming any relationship in your life or work….scroll down part way to the video about Neil…..

You’ll meet Neil, who stood up to speak with Tony… while his wife was at home packing up his belongings!

After talking with Tony, Neil saved his marriage and created his dream relationship with his wife. He beat the odds.

This is a strategy you can use in coaching someone or you can use it now for yourself. Business coaches: this is a great strategy for those disputes at work 🙂

See Tony do it

Bottom line: this is something you can do. I’m telling you this because I see our students using these strategies successfully on a daily basis. Yes, they are doing “Tony work.” Yes, they are doing the “Neil intervention.” This is a methodology you will start to learn and use in the first week. So start getting used to being a LOT more powerful in your life.

YES: this will be YOUR skill set too.

F.E.A.R. – False Evidence Appearing Real.

The Power Within

Fear is an emotion induced by a “PERCEIVED”threat which causes people to quickly pull far away from it and usually hide. It is a basic survival mechanism occurring in response to a specific stimulus, such as pain or the threat of danger. “

fearAll the fear we feel is based on our past experiences. Fear itself doesn’t know anything about present or future experiences. Fear has the power to paralyze us and holds us hostage to past occurrences. Fear insists on re-telling us the same old story, always trying to convince us that WE have all the right answers, that because we have been there we know at all, that we are just not that lucky, that we are not deserving, that we were not meant to be happy, regardless of how many times we see the opposite happening to others around us.

We get used to use some tactics: we…

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Simple Stuff – Action

(Simple Stuff  is simply a bunch of inspirational, motivational and other quotes meant to make you think, reflect, smile, even laugh a bit. Hopefully helpful, useful stuff….)

“Stop acting as if life is a rehearsal. Live this day as if it were your last. The past is over and gone. The future is not guaranteed.” – Dr. Wayne Dyer 
Do you want to know who you are? Don’t ask. Act! Action will delineate and define you.-Thomas Jefferson
When it is obvious that the goals cannot be reached, don’t adjust the goals, adjust the action steps. –Confucius

I never worry about action, but only inaction.-Winston Churchill

Action expresses priorities.-Mahatma Gandhi

Action is the foundational key to all success.-Pablo Picasso

A real decision is measured by the fact that you’ve taken a new action. If there’s no action, you haven’t truly decided.-Tony Robbins

An ounce of action is worth a ton of theory.-Ralph Waldo Emerson

There are risks and costs to action. But they are far less than the long range risks of comfortable inaction.-John F. Kennedy

Never confuse motion with action.-Benjamin Franklin

Bridges out of poverty

I recently heard someone speak about a book, DVD, seminar, and nationwide program that is all based on the book “Bridges Out of Poverty.”
I strongly recommend that you check it out http://www.bridgesoutofpoverty.com/faqs/
In short, it discusses how different classes have different mindsets, perceptions, and priorities. It also helps businesses and the community bridge those differences to communicate, work and help each other better. Likewise, the program provides tools and strategies for those in poverty to get out of it, if they want.
I grew up with two parents who came from poverty. My mother’s family was always living paycheck to paycheck and she often spoke of the day ‘they’ came to repossess her parent’s furniture. She had to wear hand-me-down shoes and clothes from her relatives and her brothers. My mother’s toes were actually permanently injured because she had to wear shoes that were too small. All the kids had to work and give their parents their money.
My father’s family was a little better off but, like my mother, he lived during the Depression. Jobs were tough and even though his family had a better work ethic, he, too, wore second hand clothes.
They married and struggled for many years. I recall one story when my parents had $0.59 in the bank, one can of soup, and my father brought someone home for dinner. My father started a business from a chicken coop and grew it to 30 employees and later sold it. They retired comfortably and he was actually a savvy investor.
They sent me to private school and I rubbed elbows with all sorts of classes and people, including the very wealthy.
As I sat through the lecture of “Bridges Out of Poverty”, the speaker discussed the three classes; Poverty, Middle Class, and Wealthy – and how they think differently. I found that I had thoughts or perspectives from all classes. My parents probably instilled in me thoughts from their years of Poverty. I lived a middle class, maybe upper middle class life. I learned some wealthy thoughts from classmates and the school.
Lessons? Each class has its advantages and disadvantages.
  • Those in poverty often can achieve great success because they believe in destiny of some kind and also believe that they have little or nothing to lose. They can just let go and go for it. They work hard. However they have ‘tyranny of the moment’ often because their lives may be ruled by bills and immediate needs.
  • Those in the middle class have future vision – they can think about and plan for the future. They also have a network of social and business contacts that can work together. However there are sometimes examples of conditional relationships.
  • Wealthy classes have the relationships and connections to do well. They have expertise. However, there are examples of conditional relationships (vs unconditional) and loss of work ethic.
The program is not about judgement, labeling, or otherwise. It points out rules of thumb for each group and simply the awareness of these things can help – it helped me. The program can then point out ways that each of us can change or think differently if we want to change a class.
How do you prioritize in life? What do you think about social and business connections? What about your work ethic? Your thoughts on destiny, risk, taking chances? Do you have a future vision?
here is more….
Bridges Out of Poverty is a powerful model and book for economic and social change, sustainability, and stability. It inspires innovative solutions in those looking to counter poverty and its impact at all levels in a community. This approach helps employers, higher education, community organizations, social service agencies, hospitals, individuals, and others address poverty in a comprehensive way. People from all economic classes come together to improve job retention rates, build resources, improve outcomes, and support those who are moving out of poverty
Getting Ahead in a Just-Gettin’-By World is a program that supports people in poverty to create their own plan for stability. It embeds the concepts of Bridges Out of Poverty into a format where groups examine the impact of poverty on themselves and their communities.
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