Monthly Archives: January 2016

the single most effective way to get rich is….

A self-made millionaire says the single most effective way to get rich is a simple decision most people don’t make

Business Insider

“If you want to be rich, all you have to do is make a decision to do something that most people don’t do,” writes David Bach, who became a millionaire by age 30, in his book “The Automatic Millionaire.”That decision is to pay yourself first.

“What most people do when they earn a dollar is pay everyone else first,” Bach explains. “They pay the landlord, the credit card company, the telephone company, the government, and on and on.

“The reason they think they need a budget is to help them figure out how much to pay everyone else so at the end of the month — or the year, or their working life — they will have something ‘left over’ to pay themselves.”

This mindset plagues many of us, and is “absolutely, positively financially backwards,” he emphasizes. “And because this system does not work, Americans wind up trying some pretty strange ways to get rich.”

These routes to wealth include: winning it, marrying it, inheriting it, or suing for it. But there is only one proven way to get rich, Bach writes, and it also happens to be the easiest way: “Nothing will help you achieve wealth until you decide to pay yourself first … [It] means just what it says. When you earn a dollar, the first person you pay is you. Most people don’t do this.”

Bach recommends starting simple, by putting at least 10% of your gross income into a pretax retirement account, such as a 401(k), Roth IRA, or traditional IRA.

If you’re not comfortable making a 10% contribution, it’s better to start small than not start at all. In fact, Bach started by setting aside a mere 1%. Over time, he gradually increased his percentage — from 3% to 10% to 15% — until he reached 20%.

Once you’ve decided on a percentage to contribute, make it automatic, Bach stresses. This way, you’ll never even see the money and you’ll learn to live without it.

“You’d be amazed how effortlessly you can learn to live on a little less,” he assures. “You can’t spend what you don’t have in your pocket.”

Italy – Italia

I want to give a ‘shot out’ to different countries that have visited my site in 2015.

Thank you for visiting !

Please make a comment!

Now- in 2015, 22 people from Italy visited this website, thank you!

Voglio dare un ‘colpo ‘ di diversi paesi che hanno visitato il mio sito nel 2015.

Grazie per aver visitato!

Si prega di fare un commento!

Ora-nel 2015, 22 persone dall’Italia hanno visitato questo sito, grazie!

Frey Freyday – Be Bold

(Frey Freyday 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..)

Be bold, be bold, and everywhere be bold- Herbert Spencer 

Be bold, be brave enough to be your true self.Queen Latifah

Avoiding danger is no safer in the long run than outright exposure. The fearful are caught as often as the bold.-Helen Keller

Freedom lies in being bold.-Robert Frost

We are all ordinary. We are all boring. We are all spectacular. We are all shy. We are all bold. We are all heroes. We are all helpless. It just depends on the day.-Brad Meltzer

Often, in the real world, it’s not the smart that get ahead but the bold.-Robert Kiyosaki

Leadership comes in small acts as well as bold strokes.Carly Fiorina

Laugh at yourself, but don’t ever aim your doubt at yourself. Be bold. When you embark for strange places, don’t leave any of yourself safely on shore. Have the nerve to go into unexplored territory.-Alan Alda

Do not love leisure. Waste not a minute. Be bold. Realize the Truth, here and now!-Swami Sivananda

No discovery was ever made without a bold guess-Sir Isaac Newton

Business is about people. It’s about passion. It’s about bold ideas, bold small ideas or bold large ideas.-Tom Peters

All you need is 20 seconds of insane courage – the movie “We Bought a Zoo”


bold [bōld] – showing an ability to take risks; confident and courageous:

Most of us here in the US have pretty good lives these days. We really don’t suffer much, at least most of us. We have what we need.

It is true that we don’t always get what we want and we are stressed out sometimes, but much of that might be self-imposed.

Can we achieve more? Can we contribute more? Can we be more? Absolutely.

Can we accomplish our 10 year plan in 1 year? Yes.

It is just a decision, a basic plan, and some passion/courage.


We live in a great world, generally speaking. We are comfortable. We are often complacent.

So many of us can be, and perhaps want to be, more. Yet because we are comfortable, and because we all have some fears, it is sometimes tough to be bold and go for it.

….stop thinking about acting and actually do something! Stop the paralysis of analysis. Stop trying to make it perfect.

Just go do it. You will learn and grow and become someone new just by doing. Others will respect you just for trying.

Here’s a suggestion from a wikiHow writer (

boldness, what would they do in your shoes? If you already know someone who’s bold, imagine how they’d act.

  • Your bold inspiration doesn’t have to be ‘real’. You could even think of a character from a movie or book who’s daring and brave. Then, imagine their boldness in your life.

Ask for what you want. Rather than waiting to be recognized for your efforts, or expecting someone to consider your needs, step up and ask. This doesn’t mean you should demand what you want or be aggressive. Instead, confidently and tactfully choose your words

Take risks and create opportunities. There’s a difference between being reckless and accepting risks. Reckless people don’t accept risks because they don’t even think about them. A bold person, on the other hand, has learned about the risks, and decided to go through with the decision anyway, ready and willing to accept the consequences if things don’t work out

Did you ever do something bold? It felt scary before and during, right? But after, it was incredible!

You did it. You stretched yourself. You grew! You can be bold any moment.

from the site : – “A bold life requires that you consistently take action in order to build your confidence and courage. When you hold back out of doubt and fear, you live small, settle for less, and cheat yourself out of an adventurous life.

Afraid? Everyone is. Don’t allow fear to stop you. Don’t allow the monsters in your head to steal your joy and opportunities.

When you act boldly, you summon mighty forces. Anything can happen. Everything is possible!”

Bold Questions: Why am I bold at just the right moment? Why do I make wise, bold choices? Why am I bold?

How can I be bold and contribute right now?

If your life is the same as it is today, one year from now, are you good with that?

Be Bold. Dream Big. This is it, there are no rehearsals. This is our life. Make it happen, now.


Frey Freyday was actually born out of something I created called “Words To Live By” (WTLB). Going forward, I will now not only share the quotes, as you may be used to receiving, but also a related (WTLB). In 1999, when we had our first daughter, I was contemplating how I would raise my new beautiful child, and I was thinking about how I can best educate her and my other children about values, morals, and other key thoughts about life. School offers education. Religion offers some values and morals. Parents offer most of it, sometimes intentionally, sometimes accidentally.
So I created a (WTLB) book, like a dictionary, which lists things like honesty, love, persistence, etc. with a definition that I created, with my wife’s input. I then turned it into a workbook with one word per page and space below for notes. For years we would discuss with my two daughters and they would draw pictures and make notes in the blank space. I may share some of those images with you. As they got older, they were less inclined to draw and more open to quotes and references from adults, hence where Frey Freyday came from….

BOLD BONUS: A great podcast

 the Magic of Thinking BIG and Bold!

Pilipinas – Philippines

I want to give a ‘shot out’ to different countries that have visited my site in 2015.

Thank you for visiting !

Please make a comment!

Now- in 2015, 85 people from the Philippines visited this site, thank you!!

Gusto kong bigyan ng isang ‘pagbaril out’ sa iba’t-ibang bansa na may bumisita sa aking site sa 2015.Thank sa pagbisita! Mangyaring gumawa ng isang komento! Ngayon-in 2015, 85 binisita ang site na ito, salamat sa iyo !!

Brazil – Brasil

I want to give a ‘shot out’ to different countries that have visited my site in 2015.

Thank you for visiting !

Please make a comment!

Now- in 2015, 44 people from Brazil visited this website, thank you!

Eu quero dar um ‘tiro fora’ para diferentes países que visitaram meu site em 2015.

Obrigado por visitar!

Por favor, faça um comentário!

Agora-em 2015, 44 pessoas do Brasil visitaram este site, obrigado!

Saudi Arabia

I want to give a ‘shot out’ to different countries that have visited my site in 2015.

Thank you for visiting !

Please make a comment!

Now- in 2015, 15 people from Saudi Arabia visited this website, thank you!

أريد أن أعطى ‘بالرصاص’ إلى مختلف البلدان الذين زاروا الموقع الخاص بي في عام 2015.

شكرا لكم لزيارة!

الرجاء الإدلاء بتعليق!

الآن–بحلول عام 2015، 15 شخصا من المملكة العربية السعودية بزيارة هذا الموقع،

How to pull yourself out of a funk

A good video about getting yourself out of a funk….

TONY ROBBINS: How to pull yourself out of a funk

VIDEO: At some point or another all of us have experienced negative emotions or a rough patch. The trick is to pick yourself up and keep going. Tony Robbins reveals th best way to get yourself out of a funk.



Saving for tomorrow, tomorrow

Saving for tomorrow, tomorrow

Some say this gentleman speaks a little differently. Regardless, overlook that and concentrate on this good, simple message!

It’s easy to imagine saving money next week, but how about right now? Generally, we want to spend it. Economist Shlomo Benartzi says this is one of the biggest obstacles to saving enough for retirement, and asks: How do we turn this behavioral challenge into a behavioral solution?

To Conquer Fear, A Man Turns Rejection Into A Game

Daniel Horowitz for NPR

Daniel Horowitz for NPR

Editor’s note: This story first ran on Jan. 16, 2015, as part of NPR’s Invisibilia podcast. It’s about a man who decided he no longer wanted to be ruled by fear. Without realizing it, he used a standard tool of psychotherapy to help him stop dreading rejection.

And if you’ve been dreading a future without Invisibilia, fear not — we’re hard at work on Season Two! We can’t reveal what we’re working on right now, but rest assured that this season won’t include any snakes. Just a lion.

The evolution of Jason Comely, a freelance IT guy from Cambridge, Ontario, began one sad night several years ago.

“That Friday evening that I was in my one-bedroom apartment trying to be busy,” Comely says. “But really, I knew that I was avoiding things.”

See, nine months earlier, Jason’s wife had left him.

“She … found someone that was taller than I was — had more money than I had. … So, yeah.”

And since then, Jason had really withdrawn from life. He didn’t go out, and he avoided talking to people, especially women.

But that Friday, he realized that this approach was taking a toll.

“I had nowhere to go, and no one to hang out with,” Comely says. “And so I just broke down and started crying.” He realized that he was afraid. “I asked myself, afraid of what?

“I thought, I’m afraid of rejection.”

Which got him thinking about the Spetsnaz, an elite Russian military unit with a really intense training regime.

“You know, I heard of one situation where they were, like, locked in a room, a windowless room, with a very angry dog, and they’d only be armed with a spade, and only one person is going to get out — the dog or the Spetsnaz.”

And that gave him an idea. Maybe he could somehow use the rigorous approach of the Spetsnaz against his fear.

So if you’re a freelance IT guy, living in a one-bedroom apartment in Cambridge, Ontario, what is the modern equivalent of being trapped in a windowless room with a rabid dog and nothing to protect you but a single handheld spade?

“I had to get rejected at least once every single day by someone.”

Cards from the Rejection Therapy game.

Cards from the Rejection Therapy game.

Courtesy of Jason Comely

He started in the parking lot of his local grocery store. Went up to a total stranger and asked for a ride across town.

“And he looked at me, like, and just said, ‘I’m not going that way, buddy.’ And I was like, ‘Thank you!’

“It was like, ‘Got it! I got my rejection.’ ”

Jason had totally inverted the rules of life. He took rejection and made it something he wanted — so he would feel good when he got it.

“And it was sort of like walking on my hands or living on my hands or living underwater or something. It was just a different reality. The rules of life had changed.”

Without knowing it, Jason had used a standard tool of psychotherapy called exposure therapy. You force yourself to be exposed to exactly the thing you fear, and eventually you recognize that the thing you fear isn’t hurting you. You become desensitized. It’s used in treating phobias like fear of flying.

Jason kept on seeking out rejection. And as he did, he found that people were actually more receptive to him, and he was more receptive to people, too. “I was able to approach people, because what are you gonna do, reject me? Great!”

That was when Jason got another idea.

He wrote down all of his real-life rejection attempts, things like, “Ask for a ride from stranger, even if you don’t need one.” “Before purchasing something, ask for a discount.” “Ask a stranger for a breath mint.”

Cards from the Rejection Therapy game.

Cards from the Rejection Therapy game.

Courtesy of Jason Comely

He had them printed on a deck of cards and started selling them online.

Slowly, the Rejection Therapy game became kind of a small cult phenomenon, with people playing all over the world.

Jason has heard from a teacher in Colorado, a massage therapist in Budapest, a computer programmer in Japan, even a widowed Russian grandmother. She’s using rejection therapy to pick up men.

“That’s really cool — so, there’s an 80-year-old babushka playing Rejection Therapy,” he says.

So what has Jason learned from all this?

That most fears aren’t real in the way you think they are. They’re just a story you tell yourself, and you can choose to stop repeating it. Choose to stop listening.

“Don’t even bother trying to be cool,” Jason says. “Just get out there and get rejected, and sometimes it’s going to get dirty. But that’s OK, ’cause you’re going to feel great after, you’re going to feel like, ‘Wow. I disobeyed fear.’ ”

france !

I want to give a ‘shot out’ to different countries that have visited my site in 2015.

Thank you for visiting !

Please make a comment!


Je veux donner un « tir » aux différents pays qui ont visité mon site en 2015.

Merci de visiter !

S’il vous plaît faire un commentaire !

Maintenant-en 2015, 36 personnes ont visité ce SITE, Merci

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