Archive for Career and Lifestyle

Procrastination into Success

One of the major reasons people fail is due to procrastination. Action leads to success. Og Mandino, a great motivational writer of countless books, shows the steps to success. Here are a few quotes from his book, The Greatest Salesman in the World.
Wisdom in the Scrolls

My dreams are worthless, my plans are dust, my goals are impossible. All are of no value unless they are followed by action.

I will act now.
Never has there been a map, however carefully executed to detail and scale, which carried its owner over even 1 inch of ground. Never has there been a parchment of law, however fair, which prevented one crime. Never has there been a scroll, even such as the one I hold, which earned so much as a penny or produced a single word of acclamation. Action alone is the tinder which ignites the map, the parchment, this scroll, my dreams, my plans, my goals, into a living force. Action is the food and drink which will nourish my success.

I will act now.
My procrastination which has held me back was born of fear, and now I recognize this secret mined from the depths of all courageous hearts. Now I know that, to conquer fear, I must always act without hesitation, and the flutters in my heart will vanish. Now I know that action reduces the lion of terror to an ant of equanimity.

I will act now.
Only action determines my value in the marketplace, and to multiply my value I will multiply my actions. I will walk where the failure fears to walk. I will work when the failure seeks rest. I will talk when the failure remains silent. I will call on 10 who can buy my goods, while the failure makes grand plans to call on one. I will say it is done before the failure says it is too late.

I will act now.
For now is all I have. Tomorrow is the day reserved for the labor of the lazy. I am not lazy. Tomorrow is the day when the evil become good. I am not evil. Tomorrow is the day when the weak become strong. I am not weak. Tomorrow is the day when the failure will succeed. I am not a failure.

I will act now.
When the lion is hungry, he eats. When the eagle has thirst, he drinks. Lest they act, both will perish. I hunger for success. I thirst for happiness and peace of mind. Lest I act, I will perish in a life of failure, misery and sleepless nights. I will command, and I will obey my own command.

I will act now.
Success will not wait. If I delay, she will become betrothed to another and lost to me forever. This is the time. This is the place. I am the man.


Sentenced to Success

This is a great article I read written by Chris Widener. I hope you enjoy.

I once heard a speaker use the statement, “I have been sentenced to success!” I heard that almost twenty years ago, yet it still sticks in my head.

Imagine that. What if we had been given a life sentence to serve, say 75 years, and the sentence was to do time in a place called “Success”? The truth is that we have.

Let me back up. We have been given a life sentence. But, unlike a sentencing in a real life courtroom, we get to actually choose where we will “do our time.”

Here are some of the choices people make:

The prison of poverty.
Poor people are no better or kinder or anything else than people with money.

The prison of depression.
Depression is like a blanket that overwhelms you and eventually smothers you.

The prison of the lack of health.
Lacking health is a real pain! The freedom we lose when we choose to live in a state of a lack of health is terrible – and unnecessary! We don’t have to live in that prison. We can choose a different sentence! We can choose health! My advice? Don’t choose a sentence to the prison of the lack of health.

The prison of doubt, worry, and fear.
This is a dark, dark prison. It is one that haunts you the whole time you reside there. It makes you believe that the surroundings are worse than they really are. It keeps you from enjoying life and becoming the kind of person you were intended to become!

There is another option. You can choose to be sentenced to success! You can choose to actually be set free! You can choose to walk out of that courtroom and live the life that you choose!

What can you experience when you are sentenced to success? How about these:

– Good health
– Financial abundance
– Emotional freedom
– Positive relationships
– A career you love
– Spiritual liberty

And how will you experience these? By choice. Your choice. You choose exactly what kind of life you will live. You choose the sentence you will serve here on earth and the experience that you have.

Will you languish in a dark prison or in the open freedom that comes from the sentence of success? That depends on the choices you make.

I challenge you to choose this day to:

– Pursue financial independence
– Develop yourself spiritually
– Make a change so you are in a career you love
– Re-commit yourself to loving relationships
– Achieve emotional health


A great new web site by FraudAvengers ( has recently started. It is a non-profit group with the goal to educate the public on how crooks use online payment options and technologies to commit fraud.

It is a Texas-based group with the slogan, “Pros preventing cons.”

The site has blog articles to inform individuals and businesses on how to reduce their risk of fraud.

Check it out and sign up. I think it will be very helpful.

Finding Happiness

A man I truly admired was John Wooden. He coached the UCLA basketball team to a record number of National Championships. I wonder if his record will ever be surpassed.

He had a unique philosophy and attention to detail. (Like teaching his college players how to properly put on their socks. If done incorrectly, it would lead to blisters and make them unable to play).

He followed a creed for happiness. One of his principles was in a poem:

Making the Most of Oneself

Be true to yourself.
Make each day your masterpiece.
Help others.
Drink deeply from good books.
Make friendship a fine art.
Build shelter against a rainy day.
Pray for guidance and give thanks for your blessings every day.

He had high ideals for excellence and a code of conduct to find happiness. He said happiness comes from making and keeping nine promises:

1. Promise yourself that you will talk health, happiness and prosperity as often as possible.

2. Promise yourself to make all your friends know there is something in them that is special that you value.

3. Promise to think only of the best, to work only for the best and to expect only the best in yourself and others.

4. Promise to be just as enthusiastic about the success of others as you are about your own.

5. Promise yourself to be so strong that nothing can disturb your peace of mind.

6. Promise to forget the mistakes of the past and press on to greater achievements in the future.

7. Promise to wear a cheerful appearance at all times and give every person you meet a smile.

8. Promise to give so much time improving yourself that you have no time to criticize others.

9. Promise to be too large for worry, too noble for anger, too strong for fear and too happy to permit trouble to press on you.

John suggested everyone should recite these every day and he believed that you will have lifetime happiness. John is now deceased but I can still say…Thanks, Coach.

“You cannot win if you do not begin.”

Today’s Spending Decisions

How a person spends money is far more important than how he or she invests it. It is much easier to reach retirement goals by deciding how to live, rather than how to invest. Deciding what to do with the money we earn – how to spend it – is what brings about peace of mind, not how much we make or how much we have.

The late Loren Dunton, founder of the non-profit National Center for Financial Education in San Diego, wrote about his lifestyle decisions to buy new cars and spend weekends in Reno, instead of investing a hundred dollars each month in a mutual fund when he was in his late twenties. That fund would have been worth over a million dollars today.


Perhaps you think the difference between a full-sized car, fully-equipped, and a compact is only about $10,000. Actually, it is more like a million dollars. Consider this, borrowing $25,000 for a new car over four years will cost about $634 a month, while borrowing just $15,000 will cost only $381 a month.

If one saved the difference of $253 each month for 35 years, earning an 8% average rate of return, it would swell to $580,352. However, that is just the accumulation of the funds. What about the earnings as the funds are withdrawn during retirement?

If one were to get monthly payments of $4,479 from that sum from ages 65 to 90 (and some predictions say there may be over 250,000 people over the age of 100 in America in the 21st century), the total amount collected would be $1.3 million.

This is the magic of compound interest. However, it is not retroactive! One must save now to enjoy the benefits of compound interest in the future.


For instance, if the difference in the example above were saved for only 25 years it would grow to just $240,000. Paid out at $1,857 a month, the total would be $557,000. It is amazing that the difference in saving an additional ten years is about a half million dollars. However, the monthly difference in payments of $2,622 monthly shows how today’s lifestyle decisions can be worth a million dollars in retirement years.

When should people begin saving money? Never soon enough. If ten years could mean a difference of $2,622 in retirement income each month, can you imagine what 15 or 20 additional years of savings would mean when you reach age 65?


For some, no doubt saving now would be easier if there was more current income. People 17 to 23 years old may think: “Me save? Are you kidding? I am just getting my education and besides I want to have a good time. When I get out of college and start my career, I’ll start saving.”

People 24 to 30 may be tempted to think: “You don’t expect me to save now? I have only been working a few years. Right now, it is important to dress well. I’ll save later.”

From 31 to 42, the reasoning may go something like this: “How can I save now? I am married with small children. Perhaps when they are older I can think about saving.”

Those 43 to 55 wish they could save now. However, many just do not, saying they cannot because of children in college and education loans to pay.

From 56 to 65 most recognize the urgency to begin saving now. However, money is tight. It is not easy for people that age to better themselves. It is tough to break years of over-spending habits. “Maybe something will turn up,” many say.

At age 65 and older, it is too late to begin saving money. You cannot save when there is no income. Many older people live with their children and are dependent on Social Security, which is inadequate, since Social Security was only designed to be supplemental.

If the choice between cars can impact retirement income, imagine the possibilities when applied to lifestyle choices such as a home, vacations, dining out, entertainment, wardrobes, furnishings, etc.

Try to develop the art of money accumulation now. Begin by saving every day. Start today!