Tag Archives: affluence

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?

https://embed-ssl.ted.com/talks/shlomo_benartzi_saving_more_tomorrow.html

If you’ve put off saving, investing or even thinking about it, just take a quick look at this

If you’ve put off saving, investing or even thinking about it, just take a quick look at this

I personally have had ups and downs, and I used to save a lot, used to invest, then when things got tough, I just started putting things off, avoiding it, deferring it, or just plain pretending like I never thought of it, yet it was always in the back of my mind. So many people don’t talk about finances, don’t think about it, and just keep pushing it out until a later date for all sorts of reasons.

Please don’t. Please think about it now…..it is easier than you think. People with less brains and less talent have done it, so you certainly can.

Tony Robbins explains how you can attain financial security more easily than you think.

http://www.inc.com/tony-robbins/wealth-isnt-about-not-working-about-not-needing-to-work.html?cid=sf01002

A video: how to handle money

Another great yet quick video about thinking about, and handling money…..

 

FROM:http://brendonburchard.tumblr.com/post/110086806578/how-to-handle-money

Summary:
If you handle your money in the right way, you can have more, give more, and enjoy your life more.
Here’s what you can do to start taking control of your money now:

1. Revisit your story about money. Where we come from and what we hear about money unconsciously shapes our lives. If you think rich people are negative or that having money is bad, you won’t attain wealth because you don’t want to be negative or bad. If wealth is something that brings you more happiness, joy, and service, you’ll want to make more of it. So, first, redefine what wealth means to YOU!

2. Make sure you automatically invest. When get a check from your employer, have some of the funds automatically go into your savings account or investment account. This way you won’t forget and you won’t spend the money unnecessarily. Automatically investing means your money will be earning money for you and working for you.

3. Ask the question, “How can I add more value in the time in which I serve?” Squeeze in more value. Hustle a little bit more. Serve even more. Adding more value to people in the same amount of time makes you more productive, gets you more recognition, and gives you more opportunities. There’s no traffic beyond the extra mile! Just add a little more than anyone else is doing, and you’ll be in a category of one.

4. Raise your standards for a reward! If you’re a high performer and really adding value but you’re still not being rewarded for your true contribution, raise your minimum of what you will allow in your life. Be bold, push the boundaries, and you will be rewarded.

When you follow these simple steps for handling your money, you will have a positive story about wealth, your money will be earning money for you, you will be adding more value, you will have a higher standard for yourself and you will be experiencing The Charged Life!

Full Transcript:
How to handle money. First, wash your hands. Kidding.…that’s a great question.
How do you handle your money more intelligently so you can have more of it, so you can give more of it, so you can enjoy your life to the next level?
1. Number one, I think you must revisit your orientation to wealth.
If I say to you, ‘rich people,’ what does that bring up for you?
When you think about rich people,what do you think of?
Are they good? Are they bad? Are the rich, 1, 2, 3, 4% of the world good people, bad people?
What are they like?
What are their values like?
Do you want to become one of them?
I don’t know about you, but sometimes you discover that where you live or where you came from or what you heard of about money in your life is absolutely unconsciously driving your life today.
For example, I grew up in a very difficult economic situation. I grew up in a very difficult town and place, an old Irish mining town that had been economically depressed for nearly a century, where people didn’t have a lot, and people really struggled. Very blue collared, tried to get through the day, lots of poverty, lots of people struggling and I can share with you that there was this conversation often, about people on the other side.
There’s people on the other side of the tracks. There’speople on the other side who are wealthier. There was a lot of the culture Igrew up in where, ‘oh, those rich people.’ There was this projection offrustration, restlessness or anger towards ‘rich’ or ‘wealthier’ people, andbecause of that I didn’t ever want to become one of them. So I didn’t, for avery long time.
It’s funny, because one of the basic human drives we have isthe human drive for congruence. We want to be congruent in our thoughts and behaviors.
If we think that a type of person is negative, our body, our mind and our subconscious will do everything it can not to become that. We don’t want to become something that we think is negative.
So if you think wealthy people or rich people are negative, guess what you’re never going to attain? Wealth. And that’s why it’s important to revisit all those old stories and phrases we heard growing up, you know.
‘Money is the root of all evil.’
‘People with money are insensitive.’
‘People with money are selfish.’
If you gain more wealth and success in life you’re just going to be more busy and you’re never going to have time for your family, and you’re going to forget anybody who ever came along with you and ever supported you and all these things. We think this big story about money.
So, what’s your story about money? Is it positive? Is it negative? Is wealth something that will bring you more joy, more happiness, more ability to give and serve and do something with in your life? Or, is it something that terrifies you because you think you won’t be able to handle the obligations that come along with it?
You worry that if you make more money or to make more money you’re going to have to be away from your family more, so you never try.
Most of us have a lot of really bad assumptions about what it would take to succeed, but also what it would take to make more money, and ultimately to keep more money, to sustain more money. Because I bet you also think, ‘oh I heard it’s lonely at the top.’ Well who wants to be lonely? And if rich people are bad, who wants to be a bad person? If rich people are pushing family members away and becoming selfish, who wants to become that?
So you have to redefine what wealth would mean for you specifically, not what the culture told you it could be.
I will share with you that after… I’ve been through the ringer financially in my life. I grew up with nothing and then I started making something in corporate America. I built something of myself. I started working really hard. I got a good job. I started climbing that corporate ladder. I discovered that the corporate world wasn’t for me, and so I left, I quit to start my own dream of doing videos and writing, and doing my seminars and all the things I do now. You know what, I did exactly what people predicted; I promptly went bankrupt. I went broke. I had no idea what I was doing.
It would have been easy at that point, very easy to quit, very easy to say, ‘oh you know what, money’s not for me,’ but I thought I know that sometimes if you don’t have money you can’t sustain the message. If you’re not earning than you can’t keep giving. I thought, ‘I have to change my orientation here. I have to get serious about making money and do it without all the guilt and the nonsense that my culture, the past or the popular media thrusts on people with money.’
Because guess what? There are also philanthropists. There are also people who take money and support their family. They send their kids to college. They get safer cars. They do well in their community. They buy books for kids. They do things that matter with their wealth and matter of fact, that’s most wealthy people.
It’s really hard to believe that if you’re not wealthy yet, but I can share with you, after I had my big breakthrough and I started learning how to build more value in the marketplace, everything shifted for me. For the first time in my life I had money. The funniest thing is, I didn’t even know what to do with it, because I never had it before so it was just there.
Guess what? I started finding things to do with it, no problem, as you will. But those things I found to do with money, they didn’t tear me from my family or make me a bad person. I gave more to charities. I spent more time with my family. I could take them on vacations. We could go to the Caribbean together. I could do things for people I love, little gifts, treats and acknowledgements that made them feel happy.
I found ways to utilize it that made me happy and now I had no negative associations to it anymore. So, all I can encourage you to do if you have any hooks or negativity about rich people, or about wealthy people or about the top 1, 2, 5, 20, 30, 50%. If you have any negative thoughts about people in general, it’s time to clear those up and try to rewrite your own meaning about what it would take and what it would be to have wealth in your life.
2. I think the second thing you already know, I just want to make sure you’re doing that, is that you are automatically investing.
If you’re not already doing that, please do that. It’s so simple. There are so many books on what you need to do. It just basically means, if you are in charge of putting money in your savings or into your investments, you’re in trouble. Because you’re never going to do it. And I’m not saying go hire somebody. It just means, when a check comes to you from your employer, have it automatically divert some funds to a savings account or investments account, so you never even see the money. You don’t have to write the check, you never see it, it’s just gone.
Just take 5 – 20%, whatever you can do, do something. Put it directly into savings or into an investment account. You can ask your banker about it. You can ask anybody about it. You can read tons of books, like The Automatic Millionaire or Money Masters. You can learn how to do this. All it means is you just never see the money, because if you’re in charge you’ll forget or you’ll say, ‘this month i’m not going to do it,’ and then for four months you don’t invest and put your money away.
Warren Buffet was asked, what would he do if his family didn’t have money? What advice would he give them? He said, ‘you know what, to take whatever extra money they do have and put it in an index fund.’ Index funds beat the market over a period of time almost always, not always, but over a period of time they’re one of the safest investments. So put your money there. If you don’t know anything just keep putting money there and over a period of time it seems to do pretty good. It usually seems to work.
You can talk with any investment advisor or your banker to set it up so that your employer’s money comes to you or your business money comes to you, but not into your account. It comes to and through your accounts right into your money market fund, your index fund, and your savings. Just have it happen automatically so you’re never in charge of that money, because if you’re in charge of it you know what you do. You spend it or you lie to yourself and say, ‘one day I’ll put it in there and it’s not earning money for you.’
Once your money is automatically placed in that investment account, that index fund or savings fund, it starts earning money for you and it’s working for you.
Most Americans unfortunately, are going to retire with little to no retirement funds, because they never set it up automatically. Personally, I feel like it should be a political thing that people should have to do it as part of employment. It’s like make sure they’re guaranteeing their future will be okay, but I know that’s very controversial and the reality, now we have such a situation of so many people retiring with no money, not because they’re stupid or bad people, because they didn’t learn to beat human behavior.
Human behavior is to delay. Human behavior is to utilize resources now. So cut yourself out of the equation, and set up the process so that it happens automatically. Money is being diverted into your own account, earning money from you, setting you up. You have to do that.
3. Third, I think it’s important for you to ask, ‘how can I add more value in the time in which I serve?’
Meaning, if your day is eight hours a day for a company, how can you squeeze in more value in that eight hours? I don’t think it’s necessary for you to work 9-10-12-14-15 hours and, I think, for most people that’s a negative thing. It causes too much stress, too much lack of sleep, so their creativity goes down and their productivity goes down. But, if you’re working, within that time you’re working, how can you do a little bit more than the next guy or the next gal? How can you hustle a little bit more? How can you see the connections between what everybody else is doing in the company or what everyone else needs in the company and serve them?
How can you come up with a new idea for your clients, for your customers? It’s about adding more value in the marketplace in the same amount of time that gets you more productive and it gets you to be recognized more for what you’re doing. The janitor, who does more than just sweep the floors, but starts asking intelligent questions around the place in which they work to discover, how can we add more value, starts getting recognized more and soon gets other opportunities.
It’s time to add more value during the same amount of time that you are currently working. Most people are working at a mediocre level, and that’s not to be judgmental, it’s just the reality of the stats, the graphs or efficiency curves. You can tell, most people are just going through the motions in the day. They aren’t adding a tremendous amount of creativity or value they’re just doing what they were told. And so, if you can go beyond that… it’s like that old saying, ‘there’s no traffic beyond the extra mile.’ If you add a little bit more extra than anyone else is doing, you’re flying out there. You’re out there and you’re standing in a world by your own. You’ve gotten to a place where so few people can keep up with you they’re not even around.
People don’t try at work as hard as we think they do. It’s negative to say that, but we can see that from every single productivity study, efficiency studies at workplaces. Most people, because they don’t like their job, they aren’t giving to their job.
But here’s the deal, what if you could teach yourself to like your job by giving more to your job?
What if you could learn to enjoy what you’re doing by thinking of new creative things to add to what you are doing? And by adding new creative things you start to get more results. By getting more results you usually get more recognition and rewards and you start to add value and eventually move on up or get paid more.
Now, in some cases that doesn’t happen, which is why I have this last point.
4. Also, raise your standards for reward.
What do I mean by that? It’s like, if you’re a top contributor, if you’re what we call a high performer… many of you know I teach a program called High Performance Academy, I hope you attend it, it’s one of the best programs in personal and professional development in the US today. I can share with you, what we know at High Performance Academy, if you’re a higher performer, if you are giving and you are not being recognized it’s time to leave or to have a very honest conversation with the people around you and say look, ‘I’m giving a lot. I feel like I’m doing great value of service here and I don’t feel like I’m being compensated enough, so I need to have a forthright conversation of whether or not it’s time for us to revisit my contract or it’s time for me to leave.’
You have to have the boldness in life like that. If you are not being rewarded for your true contribution and you have to question it, because lots of people are entitled and say, ‘I’m contributing so much.’ And you look at it like no, you’re really not, you’re contributing the same as the 15 people around you.
But if you’re really raising the bar on yourself and you’re really hustling and adding value then guess what? You deserve to be compensated. And if you’re not, it’s time to look for new places to go work. It’s time to look for new job opportunities or new employment or entrepreneurial opportunities.
Raise your standards. Raise the expectation. Raise your minimums. Raise your minimums of what you will allow in your life that is not good for you, do something that honors or respects you. Raise your minimums of what you expect out of your bank account. If your only expectation, if every month you’re like, ‘gosh I hope I’m going to have $500 in my bank account this month.’ You’re never going to become wealthy, ever! It’s mean to say that, especially when you’re there and I’ve been there. I’ve been in places where I couldn’t afford a burrito, so believe me I get it sucks when you don’t have money.
But if your only expectation is, ah you know, I hope I have $500 and every month you have $500 and you’re coasting through at $500, you’re never going to become wealthy. Because, at some point, you have to say, ‘what is that number for me that I can aspire to and work myself into?’
A lot of people who discover that six figure job, that $100,000 job, when you interview and ask them, how’d you end up at a six figure job? They all say the same thing. They say, ‘I started looking for a six figure job.’ You’re like ‘whoa!’ Isn’t that amazing?
How’d you end up in a six figure job? They started looking for jobs that were like that and they earned their way into it. They got the experiences or the results that were necessary to earn their way into it or, they just went buck wild crazy and started applying for jobs that were beyond their capabilities and some of them got lucky enough to get hired into them and that’s what happened. Sometimes to get paid at the next level you need to move your city, you need to move to another place, you need to move the employer, you need to quit, and you need to do something new.
But, you shouldn’t be afraid of doing something new that could potentially bring some new value, new lifestyle into your life experience. Sometimes you have to be bold, try new things, push the boundaries, and I think the more you do that with your career, your entrepreneurial opportunities, the way you look at money then you start to experience what we call, The Charged Life.

Quick thoughts on achievement

Like many other times, I feel compelled to pass along a good post by someone….

———————————–

Four things you must master this week to advance more quickly:

1. Your Desire. If you are unclear about what you want from the world this week, the world will simply take from you what it desires – your time, energy, focus, and goals will be ‘their’ goals versus your goals. It is never to late to sit down with a pen and paper and write your own manifesto for what you desire of life personally and professionally. Remember: No clarity, no change. No goals, no growth.

2. Your Direction. Now that you know what you want, what is Step 1-5 in getting there? What knowledge, skills, abilities, resources, and support must you start acquiring in order to make your dreams come to fruition in concrete and accelerated ways?

3. Your Discipline. What habits and habits will you form and stick to EVERY day and EVERY week in order to move yourself forward with real fire and momentum.

4. Your Distractions. What will you STOP paying attention to? Where will you no longer give your time and energy? How will you minimize distractions and stay on purpose? The secret to success: Focus. Focus. Focus.

Now go kick some butt this week my friends,

Brendon Burchard – Live. Love. Matter.

Full video training and transcripts on this topic on the blog:http://tmblr.co/ZTb1Dv1NBfF3h

The Wizard Within….

outreach

I am reading a book by Deepak Chopra called “Twenty Spiritual Lessons for Creating the Life You Want”

It is quite good.

It is something that I have written about on occasion and sometimes try to put into practice in my own life, but often do not.

The Wizard can represent a number of things or beings – it could be our own Spirit, the Universe, the Source, God, the Universal Intelligence, the Higher Self….or whatever you might refer to the power, love, force, and spirit that runs through us all. The Wizard is a metaphor….

The Wizard is that force or spirit that we all have, the true self that never really changes, the person that remains the same as we grow, as we face challenges, as we worry about materialistic things – the Wizard knows what is really important, the Wizard helps us stay on the course when we’re worried, concerned, or chasing the “Joneses”.

The Wizard is that voice inside that helps you make a decision, that helps you stay on track, and that provides you a foundation of strength, serenity, and guidance. The Wizard in us sees the real world, the real person in others – not the beautiful or ugly skins and bones, but the spirit inside.

  • There are some great lessons in this book; some new and fresh, some are things we all probably already know but are definitely good to be reminded of…..
  • Spend time pondering not what you see but why you see it.
  • The Wizard exists in all of us. This wizard sees and knows everything.
  • The Wizard is beyond opposites of light and dark, good and evil, pleasure and pain.
  • Everything the wizard sees has its roots in the unseen world.
  • Nature reflects the moods of the wizard.
  • The body and mind may sleep but the wizard is always awake.

For someone like me who has a difficulty making time for meditation, I found the quote “Without silence, there is no room for the wizard.” very helpful and meaningful…”without silence ther cannot be any real appreciation of life, which is as delicate in its inner fabrics as a closed rosebud.”

…also, Wizards don’t live in fear…when asked “How do you manage this peace of mind?”, the Wizard says, “Look within where there is only peace.”

Lastly, Chopra writes this….”The mind may succeed in making you intelligent, but it is poorly equipped to make you happy, fulfilled, at peace with yourself.”….”the Wizard is inside you and only wants one thing: to be born.”

…..I’ll share more good thoughts from the book as I come across them….

Best wishes for some magic from your inner Wizard today…

..

🙂

Words To Live By: Giving – Part 1

From Deepak Chopra “The universe operates through dynamic exchange… giving and receiving are different aspects of the flow of energy in the universe. And in our willingness to give that which we seek, we keep the abundance of the universe circulating in our lives.”

This quote is from Chopra’s book “The Seven Spiritual Laws of Success”. I recommend it.

Nothing is static in our lives, right? Our bodies, minds, families, friends, etc. Even though which seem static are not- the mountains and the earth. There is an exchange or giving and taking, back and forth, right? So is it with energy too, correct? Life is the flow of things in a harmonious manner. Generally our bodies, nature, seeks balance.

In the book Chopra talks about the work “affluence”. He says it comes from the word affluere….which means “to flow to”. The word affluence means “to flow in abundance.”  We use money as a representation of something – energy, product, service, etc.Interestingly enough Chopra also points out that the word currency comes from the Latin word “currere”. which means “to run” or to flow.

So, at least in reference to money, if we stop the circulation of money (or anything else) and if we intend on holding onto the money or to hoard it, then the energy will stop its circulation back into our lives.

“Like a river,” says Chopra, “money must keep flowing, otherwise it begins to stagnate, to clog, to suffocate and strangle its very own life force. Circulation keeps it alive and vital.”

Any healthy relationship, service, existence is a give and take, right? There is balance in all things.

A tiny mustard seed can grow into something large. A kernel of corn can produce many more….yet we can’t hoard the seeds.

The more you give, the more you receive, says Chopra…..because you will keep the abundance of the universe circulating in your life. Chopra also points out that the ‘intention behind your giving and receiving is the most important thing.’

OK – I read this a few times. I actually read this when I was very tight financially. I owed a few credit cards, was behind on things, and I was hoarding money so I could buy gas one week. I was not clear how I could practice this law. Chopra gave some good examples though –

“If you want joy, give joy to others; if you want love, give and learn to love. If you want material affluence, help others to become materially affluent. In fact the easiest way to get what you want is to help others get what they want.”

So when we wait in the line at the grocery store and see that weird looking person, or that person taking too long, or anyone…..why not give them a blessing – the same blessing or prayer that perhaps we’d desire. A simple prayer or wish. We can stand there and stare at the person who is being a pain, taking too long, letting their kids touch all the things on the shelf, etc. We can grumble to ourselves and pass judgement. We can stand there and wallow in our own particular problem or issue.

Or we can send a prayer, a wish for peace, a wish for abundance their way. How would that change your world? Chopra talks that we are all localized bundles of energy and information – and consciousness. We are bundles of though in a thinking universe…and thought has the power to transform.

So what can you do today? I’d suggest that we start and make a decision that anytime you come into contact with anyone, give them ‘something’. Maybe nothing material – maybe a prayer, wish, compliment, smile, etc. Chopra points out that things like caring, attention, affection, appreciation are some of the most powerful and precious gifts that we can offer.

I know that I have,….and still do… say something to myself like “How can I give to others when I don’t have enough myself right now?” Write a note, make them laugh, share a good story, ask – really ask – about them and their dreams.

The more you give, the easier it is. The more you’ll get a hang for it and the more confidence you’ll have. There is no scarcity on love, joy, happiness, or abundance. By its very nature, the word abundance means overflowing – we can’t run out. We have an overabundance of so many things in our lives that we can all give. Giving flips a switch whereby we’re not tense, closed, and concerned but open, warm, and inviting. Giving makes us feel more confident than when we hold back or hoard.

If you seek peace, give it. If you seek help, offer it. If you seek friendship, be a friend.

Giving sends our minds and hearts a signal that things are ok, things will be OK.

In closing, I am reminded by a child’s book that I used to read to my daughters, “Have You Filled a Bucket Today: A Guide to Daily Happiness for Kids ” by Carol McCloud. If you have a child, buy it. If not, you should still read it the next time you’re at the library or B&N. If you “fill someone’s bucket” you fill your own bucket, and everyone observing you gets their buckets filled. There are actually studies that show our endorphins improve when we help another person – and observes get a nice splash of endorphins too.

I leave by giving you a blessing for peace and prosperity.

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