Category Archives: affluence

Simple Stuff

(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….)

The world is moved along, not only by the mighty shoves of its heroes, but also by the aggregate of tiny pushes of each honest worker. –Helen Keller  <!–[if !supportLineBreakNewLine]–> <!–[endif]–>

My heroes are and were my parents. I can’t see having anyone else as my heroes. –Michael Jordan  <!–[if !supportLineBreakNewLine]–> <!–[endif]–>We’re our own dragons as well as our own heroes, and we have to rescue ourselves from ourselves. –Tony Robbins

A hero is no braver than an ordinary man, but he is brave five minutes longer. –Ralph Waldo Emerson

A hero is someone who understands the responsibility that comes with his freedom. –Bob Dylan

A hero is an ordinary individual who finds the strength to persevere and endure in spite of overwhelming obstacles.-Christopher Reeve  <!–[if !supportLineBreakNewLine]–> <!–[endif]–>

Being a hero means being your real self, doing what you really want to do, going got ‘it’ whatever it is, not trying to appease others – Jim Frey

My belt holds my pants up, but the belt loops hold my belt up. I don’t really know what’s happening down there. Who is the real hero? –Mitch Hedberg

BONUS-

CNN revealed the 2013 Top 10 CNN Heroes — now it’s time to let them know which inspire you the most. Vote for the CNN Hero of the Year at http://CNNHeroes.com/ — once a day, EVERY DAY thru 11/17.

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.

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.

Beliefs

UPW Tip of the Day: What is the force that determines what we try or fail to try to accomplish in our lives? It is our beliefs—about what we’re capable of, about what’s possible or impossible, about who we are. In Haitian culture, a person’s belief in the deadly power of the witch doctor “pointing the bone” can indeed cause death. But the real killer is a sense of certainty—the belief—not the witch doctor.http://bit.ly/upw-ny – Tony Robbins

What do you believe?

We all have beliefs, ideas, judgements, and expectations…

  • Beliefs about others,
  • Beliefs about the world, about luck, about their careers.
  • Beliefs about ourselves
  • Beliefs about fears and limitations.

What beliefs do you have about your fears and phobias? Do they serve you well? Do they empower you? Many of us have fears from our childhood or false/needless fears that hold us back, that limit us, and that just don’t really help us. Maybe it is time to reevaluate those fears?

What beliefs do you have about yourself – your talents, your goals, your successes and your failures? Do they serve you well?

Did you ever notice that our believe appear to be true, that they appear to be reality?
Becareful what you believe.

Once in a while I believe that we all need to step back and look at our own beliefs and evaluate them.

Do they help us? Do they empower us?
You can change your beliefs. You can change the meaning behind events and things around you.

\Your truth is the truth, so make it work for you, make it serve you and your world better.

Beliefs have the power to create and the power to destroy. Human beings have the awesome ability to take any experience of their lives and create a meaning that disempowers them or one that can literally save their lives. -Tony Robbins 

Simple Stuff – action, work, opportunity

(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….)

I hope the millions of people I’ve touched have the optimism and desire to share their goals and hard work and persevere with a positive attitude. – Michael Jordan

I don’t pity any man who does hard work worth doing. I admire him. I pity the creature who does not work, at whichever end of the social scale he may regard himself as being. –Theodore Roosevelt

Talent in cheaper than table salt. What separates the talented individual from the successful one is a lot of hard work. – Stephen King 

Usually, the best way to find the yellow brick road of your life, is to start out on the dusty, dirt one.
And then let yourself become so preoccupied in making the best of it, having fun, and challenging yourself that you actually stop paying attention to the path.
Until, one day, not so long from now, with a new best friend, wearing cool clothes, feeling awesome, a teeny tiny bit taller, fresh from a WOW vacation, looking for the path you just left, you’ll notice that it’s 24 carats… baby.
And you’ll wonder for a long, long time, sipping on some exotic fruit drink, when the transformation actually took place… – Michael Dooley – The Universe

 

Young people are threatened… by the evil use of advertising techniques that stimulate the natural inclination to avoid hard work by promising the immediate satisfaction of every desire. –Pope John Paul II

Opportunity is missed by most people because it is dressed in overalls and looks like work.  –Thomas A. Edison

 

Do you want to know who you are? Don’t ask. Act! Action will delineate and define you. – Thomas Jefferson

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

Feeling stressed, tense, worried?

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You know, we’ve all been there in one way or another: we’ve been tense and focused on money, maybe stressed, maybe short with our spouse, maybe short with our kids….and in that moment when we’re stressing about money, we’re missing the world around us.

You know what I mean when I say “That awful feeling in the pit of your stomach because you feel like you have to worry about running out of money at the end of the month.”

I’ve been there, then back on “top”, then stressed again, a few times in my life.

I heard a funny thing the other day; someone was saying how they thought ‘rich people’ always think about money and ‘rich people’ are all shallow.

Maybe some are shallow, but in my experience and from what I read, when you had enough money to pay the bills and to live in a decent way, you’re NOT thinking about money much at all. When you have enough to cover the bills, you can think about fun things, about things that you WANT to do in your job and career, and things that you can do for or contribute to others – you can choose to enjoy life a little more.

When I was struggling with income and bills, and when I observe others that have the same struggle to pay bills and meet their obligations, they think about money all day long.

There is a great book that I highly recommend called “Bridges out of Poverty”. It helps explain how people struggling in poverty are constantly thinking about how they are paying the bills, food on the table, tires on the car, utility bills, etc.

Even if we aren’t at the poverty level, we can sometimes have some traits of the poverty mindset……we worry about money, about paying the mortgage, about our jobs, etc. This never creates a good feeling inside, does it?

Again, as someone that has been back and forth, here is some wisdom that I’ve learned from a few others and I believe that it really can help:

  • Focus on what you want, not what you don’t want – instead of focusing on the bills and lack of cash, focus on the things that you really want, the freedom, peace of mind, better health, better relationships, enjoying life, security for your family, etc.

  • Watch your self-talk- we all talk to ourselves and ask ourselves questions throughout the day. There is enough negativity in the world, don’t add to it by bringing yourself down. I was someone who beat myself up for many things and once in a while still do – if you do also, STOP. Reflect on accomplishments, look for references why you’re good at something, ask yourself questions like “Why do I deserve this?” and “Why am I so lucky?” instead of things like “Why can’t I earn more money” or ‘why is this such a struggle’ or ‘why don’t I ever win anything?”

  • Have a vision – ok maybe your life isn’t where you want it to be now and you want to improve – almost everyone does….create a vision. It doesn’t have to be a major complicated thing – something as simple as some bullet points or a paragraph or two is fine – create a simple story of you as you want to be – make the story in present tense as if you already have it – as if you are already “THERE” and you’re looking back on today, when you are struggling. Make sure that in the story you talk about how you’re proud of the steps you took, the hard work, the good attitude, and how you changed for the better. Remember, tell the ideal story of your life as if it is already done!

  • Enjoy the present, live in the moment – when we worry about the future or fret over the past, we miss moments and experiences right in front of us. I recall a time when my wife and I had time alone and I sat there worrrying about something that never even happened. Another time I recall worrying about something and basically ignoring my daughters when I had a free day with them. We all lost and nothing was gained. Take a moment to look around, be aware, and live today’s life. Things can happen in a moment. Look for miracles. You gotta celebrate life’s moments no matter what. There is no rehearsal.

  • Here’s something that can be the toughest for any of us – do the above each and everyday. We can all do things for a while or on occasion, or here and there. We have to ask the right questions, focus on the good stuff, reflect on our vision, and enjoy the present every day! We all must take action – even if they are just baby steps each day. Ask, ‘what thing, regardless how big or small, can I do today?” You don’t have to spend long on it – but at least 5 -10 minutes. Can you turn off the TV, put down the phone, or walk away from the computer or ipad for 10 minutes if it makes you better?

Remember, people with much less smarts, ability, education, opportunity have done great things, contributed, made money, helped others, and been successful , you have the ability, you have the power inside, you just need to take action.

http://www.onewebstrategy.com

😉

Simple Stuff- Celebration

(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….)

Celebrate what you want to see more of. -Tom Peters

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The more you praise and celebrate your life, the more there is in life to celebrate. -Oprah Winfrey

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You’ve to celebrate the good days because there are brutal days that make the good ones sweet. -Brian O’Driscoll

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Life has meaning only in the struggle. Triumph or defeat is in the hands of the Gods. So let us celebrate the struggle! -Stevie Wonder

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Dream on it. Let your mind take you to places you would like to go, and then think about it and plan it and celebrate the possibilities. And don’t listen to anyone who doesn’t know how to dream. – Liza Minnelli

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“Don’t forget to CELEBRATE!!! Anchor the experience of doing something truly extraordinary with an awesome celebration.”- Tony Robbins

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I think we all need to celebrate more often. – Jim Frey

(more at http://wp.me/p2mGFu-3F )

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