Would You like to “Improve” Your Work Life? This Quotes Might Help

  
     I contend that how you do something and the attitude with which you do it are usually even more important than what you do.

Wherefore have ye not fulfilled your task? (Exodus 5:14)

The men did the work faithfully.
(2 Chronicles 34:12)

He did it with all his heart, and prospered. (2 Chronicles 31:21)

Establish thou the work of our hands upon us. (Psalm 90:17)

Whatsoever thy hand findeth to do, do it with thy might. (Ecclesiastes 9:10)

He who labours diligently need never despair; for all things are accomplished by diligence and labor.
(Menander 343-291 B.C.)

It is a rough road that leads to the heights of greatness.
(Lucius Seneca 4 B.C. – A.D. 65)

Not slothful in business; fervent in spirit; serving the Lord. (Romans 12:11)

If at first you don’t succeed, try, try again. (William Hickson 1803-1870)

The heights by great men reached and kept were not attained by sudden flight, but they, while their companions slept, were toiling upward in the night.
(Henry Longfellow 1807-1882)

Men are born to succeed not to fail.
(Henry Thoreau 1817-1862)

The greatest use of life is to spend it for something that will outlast it.
(William James 1842-1910)

Opportunity is missed by most people because it is dressed in overalls and looks like work.
(Thomas Edison 1847-1931)

It is a funny thing about life; if you refuse to accept anything but the best, you very often get it.
(W. Somerset Maugham 1874-1965)

When the rock is hard, we get harder than the rock.
When the job is tough, we get tougher than the job.
(George Cull, Sr 1895-1983)

Norman Vincent Peale

P.S. The more man meditates upon good thoughts, the better will be his world and the world at large. Confucius

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“This Is Something We Should All Read At Least Once A Week.” (Part 1 of 3)

To celebrate growing older, Regina Brett, 90 years old, of the Plain Dealer, Cleveland, Ohio, once wrote 45 lessons life taught her…. It is the most requested column She has ever written.

Rare thinking people like you already know that there’s nothing so powerful as an idea whose time has come; what’s even more powerful is an idea that comes at the right time.

I hope today is one of those right time for you. So here is the column once more:

1. Life isn’t fair, but it’s still good.

2. When in doubt, just take the next small step.

3. Life is too short to waste time hating anyone.

4. Your job won’t take care of you when you are sick. Your friends and parents will. Stay in touch.

5. Pay off your credit cards every month.

6. You don’t have to win every argument. Agree to disagree.

7. Cry with someone. It’s more healing than crying alone.

8. It’s OK to get angry with God. He can take it.

9. Save for retirement starting with your first paycheck.

10. When it comes to chocolate, resistance is futile.

11. Make peace with your past so it won’t screw up the present.

12. It’s OK to let your children see you cry.

13. Don’t compare your life to others. You have no idea what their journey is all about.

14. If a relationship has to be a secret, you shouldn’t be in it.

15. Everything can change in the blink of an eye. But don’t worry; God never blinks.

Regina Brett

P.S. By three methods we may learn wisdom: First, by reflection, which is noblest; Second, by imitation, which is easiest; and third by experience, which is the bitterest. Confucius

If this helped you out in any way, “Pay it Forward” and share this page. When you share this ideas and page with others, not only are you helping out people you share it with, you’re also branding yourself as provider and source of inspiration. If that sounds like something you’d be interested in, let’s work together to impact as many lives as possible.

Give me 5 minutes and I will show you the best way to build wealth with responsibility.

The X-Curve Concept

The X-Curve concept is a simple way to show the relationship between taking care of your responsibility and building your wealth.

This concept theorizes that in general a person’s responsibilities decreases and their wealth increases over time.

The X-Curve involves two curves that run at opposite directions during your life time.

The Wealth Curve

When you are younger, you normally don’t have money. Then you start to save and invest. As you build wealth, the wealth Curve rises. Hopefully, when you get older, you have enough money for your retirement. The wealth Curve is your investment Curve.

The Responsibility Curve

However, when you are younger and start a new family, you have high responsibilities for:

*Food
*Mortgage
*Shelter
*Education
*Health
*Debts/Loans

You and your spouse are responsible for these obligations whether you live or die. Early on, the need for insurance protection is quite high. But as your children grow up, your mortgage matures, and you reduce your debt, your responsibility will decrease.

More Wealth, Less Responsibility

Assume you have 2 kids. If something happens to you, your spouse may not be able to take care of them alone. Factoring in your standard of living, your debts, and saving goals, you figure out that you need $500,000 of protection. With $500,000 life insurance coverage, your spouse will be able to have enough income to raise the children in case you are gone.

However, let’s say you are a good saver. You build up your wealth rapidly. When you have $100,000 saved, you may not need $500,000 of insurance. At that point, you only need $400,000 became if something happens, your spouse will have $100,000 savings plus $400,000 of insurance, totaling $500,000.

When you save $300,000, your protection needs drops to $200,000. And of course, when you reach 500,000 of savings or investments on hand, you will no longer have the need for protection.

Let’s apply this principle to your home. When you buy a house , your friend will come to the house warming party and congratulations you, the new home owner. But actually you don’t own the home; the bank lender does. You own the mortgage, which is your responsibility. Until you pay if off, you don’t own the home.

Assume your mortgage is $300,000 for 30 years. Most of you payments in the early years will go to interest payments and a little into the principal of the loan.

Understanding the X-Curve concept you decide to pay more than the monthly payment in order to accelerate contributions to the principal of the loan. The faster you do that, the sooner you will be able to reduce your mortgage balance, and you can own your home sooner than scheduled.

The X-Curve provides a clear approach for building your financial foundation. You’ll be motivated to save, invest, and accumulate your assets faster, so you can reduce your debt, mortgage, and liability sooner. You will focus more on college funding and retirement, fulfilling your responsibility and reducing your insurance need.

In life, 2 outcome can happen to you: Either you live too long or you die too soon. In any event, you should protect yourself and your family’s future

1. Have high protection when you are younger. It will take care of your family – children, college education, mortgage, debts – if something happens to you.

2.) Save as much as you can to take care of your future.

Caution: There are a growing number of people who have more debt as they get older. Instead of reducing their mortgage, many people buy bigger houses and take on bigger mortgages. And of course, some may have more children if they remarry. As a result, they still have high responsibility and therefore high protection needs.

By understanding the X-Curve concept, you may want to decrease your responsilities and increase your saving to move toward a debt-free, happier life

If you got value from this, rock on!

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How Not to be Broke, Stupid, Sick, and Ugly

Read Read Read Read Read and Read!

Flight Plan, the real secret to success by Brian Tracy

How to sell anything to anybody by Joe Girard

Think and grow Rich Napoleon Hill

Outwitting the devil Napoleon Hill

Crucial Conversations: tools for talking when stakes are high

The 5 Love Languages

Trust me: Four steps to authenticity and charisma

The Charge: activating the 10 human drive that makes you feel alive

The millionaire messenger by Brendon Buchard

How to live with another person by David Viscott

How I raised myself from failure to success by Frank Bettger

Money Master the Game: 7 Simple steps to financial freedom by Tony Robbins

The Charisma Myth

Success through a positive mental attitude

The 50th Law by Robert Greene

Mastery by Robert Greene

The 7 habits of highly effective people

The four agreements

The Luck Factor by Brian Tracy

Don’t die with your music still in you by Wayne Dyer

The magic of believing

The way of the peaceful warrior

The way of the superior man

It’s not over until you win by Les brown

Creative Visualization by Shakti Gawain

Think and grow rich

How to win friends and influence people

Focus by Steven Covey

The speed of trust By Steven Covey

The Tao te ching

The Death of Ivan Illych

Living the wisdom of the tao by Wayne Dyer

The Power of Now

The Science of getting rich

A course in miracles by Dr Helen Schucman

A New Earth

The power of Intention by Wayne Dyer

Inspiration Your Ultimate Calling Wayne Dyer

The 7 Spiritual Laws of Success by Deepak Chopra

You can Heal your life by Louis Hay

As a man Thinketh

Awaken the giant within

Feel the fear……and do it anyway

How to stop worrying and start living

The Richest Man in Babylon

The Millionaire next door

Rich Dad, Poor Dad

The Intelligent Investor

The psychology of Selling by Brian Tracy

Man’s Search for meaning by Victor Frankl

Blink by Malcom Gladwell

The Success Principles by Jack Canfield

Influence: The psychology of Persuasion

Built to last by Jim Collins

Good to great by Jim collins

The magic of thinking big

Difficult conversations; How to discuss what matters most

The Tipping Point by Malcolm Gladwell

The paradox of choice: Why more is less

The 21 irrefutable laws of success

Eat that frog:21 great ways to stop procrastinating and get more done in less time

The power of positive thinking

The one minute manager

The Art of Seduction by Robert Greene

The 48 laws of power by Robert Greene

Psycho Cybernetics: A new way for getting more living out of life

How to read a book

Maximum Achievement by Brian Tracy

Outliers: The story of Success by Malcolm Gladwell

See you at the top by Zig Ziglar

Unlimited power by Tony Robbins

The War of Art by Steven Pressfield

The Monk who sold his Ferrari by Robin Sharma

Chicken Soup for the soul by Jack Canfield

Tough times never last but tough people do by Robert Schuller

Influence: The psychology of persuation

The Leader who had no title

The Alchemist

The Greatest Salesman in the world

The tao of sales

The power of your subconscious mind by Joseph Murphy

Quiet: The power of introverts in a world that can’t stop talking

The four hour work week by Timothy Ferriss

The Laws of Success

How to be rich by napoleaon hill

The Likeability Factor: How to boost your L-Factor and achieve your life’s dreams by Tim Sanders

Start with Why: How great leaders inspire everyone to take action

Advanced selling strategies by Brian Tracy

Flow: The psychology of Optimal Experience

The art of exceptional living by Jim Rohn

7 Strategies of wealth and Happiness by Jim rohn

5 Major Pieces to the life puzzle

My philosophy for success living by Jim Rohn

The seasons of life by Jim Rohn

The treasury of quotes by Jim Rohn

Take Charge of your life by Jim Rohn

Time Management by Brian Tracy

Cultivating an unshakeable character by Jim Rohn

The day that turns your life around by Jim Rohn

Converse with Charisma: How to talk to anyone and enjoy networking by Jim Rohn & Brian Tracy

The Power of Self Discipline by Brian Tracy

The power of charm by Brian Tracy

The art of closing the sale by Brian Tracy

Speak to win by Brian Tracy

The power of self confidence by Brian Tracy

Be a sales superstar by Brian Tracy

Crunch point: the 21 secrets to succeeding when it matters most by Brian Tracy

Negotiations By Brian Tracy

Master strategies for higher acievement by Brian Tracy

Leadership by Brian Tracy

The Secret code of success by Noah St John

The Book of Afformations by Noah St John

Developing the leader within you by John Maxwell

Winning with people by John Maxwell

Failing forward by John Maxwell

The 5 levels of leadership by John Maxwell

Talent is never enough: Discover the choices that will take you beyond your talent

The Great Gatsby by F Scott Fitzgerald

Secrets of closing the sale by Zig Ziglar

Born to win: Find your success code

Goals: Setting and achieving them on schedule

Raising positive kids in a negative world

Courtship after marriage: romance can last a life time

Success and the self image by Zig Ziglar

Sales Success: Motivation from today’s top sales coaches by Zig Ziglar and Denis waitley

Word master: Improve your word power and improve your life by Denis Waitley

Leadership:  Motivation and inspiration from today’s top success coaches by Zig Ziglar

The Psychology of winning by Denis Waitley

Seeds of Greatness by Denis Waitley

The Winners Edge by Denis Waitley

The psychology of Motivation by Denis Waitley

The 80/20 Rule

The compound effect by Darren Hardy

What would napoleon hill do

The choice

the greatest miracle in the world

the greatest secret in the world

The total money makeover by Dave ramsey

Financial peace by Dave Ramsey

The 8th Habit: From effectiveness to greatness by Steve Covey

I can see clearly now by Wayne Dyer

Your Erroneous Zones by Wayne Dyer

Your Sacred Self by Wayne Dyer

Wisdom of the Ages by Wayne Dyer

There is a spiritual solution to everything by Wayne Dyer

Manifest your destiny by Wayne Dyer

THE BOOKS YOU DON’T READ WON’T HELP

If you got value from this, feel free to rock on!

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5 dimensions of wisdom

1.) Spiritual wisdom: The fear of the lord is the beginning of wisdom (psalm 111:10). When you fear something, we develop wisdom for that thing. For example, when you get shocked by a live wire, you know to apply caution and wisdom next time. In other words, the fear of electricity is the beginning of wisdom. When the fear of something hits us, we learn.

2.) Mental wisdom: Go to the ants you sluggard; consider its ways and be wise (Proverbs 6:6). The ants are more diligent than slothful men. We may learn wisdom from the meanest insects, and be shamed by them. The ability to observe and appreciate how structures work is very important.

3.) Moral wisdom: This is the ability to tell between what is right and wrong.

4. Practical wisdom: Creative solutions to problems. The technical ability to solve problems.

5. Governmental wisdom: The ability to rule with fairness and equity. By me kings reign and rulers issue decrees that are just; by me princes govern, and nobles—all who rule on earth (Proverbs 8:15-16). This kind of wisdom is often witnessed with parents and children. When parents are able to rule well what they have in their responsibility, which is often their children.

If you got value from this, feel free to rock on!

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A Taxing Issue

Taxes take a big chuck of your money. Any saving and investment strategy must consider the tax impact on it. What is your current tax rate? What will the tax rate be in the future? Will taxes rise or fall?

Let’s look at the challenges ahead.

1.) The Shrinking Tax Base

As mentioned, since 1945 when social security began, workers per retiree shrank from over 40 to about 3 today. And the number continues to decline due to the aging demographics of the U.S. and Canada. Governments will have a hard time sustaining the existing systems of Social Security, the Canadian Pension Plan, and the general benefits that seniors receive today.

2.) Mounting Debts

As of January 2015, the U.S. debt stands at $18 trillion – a burden of $56,500/per citizen. It was just $13 trillion 4 years ago. Canada’s debt is
C$692.4 billion, an average burden of
C$19,590 per citizen.

Guess who is going to pay for this debt? Our future generations. The government borrows most of it through public debt, which it owes to individuals, businesses, and foreign governments who bought Treasury bills, notes, and bonds. foreign investors hold the largest share of the U.S. national debt. China and Japan top the list, holding more than $1 trillion each in IOUs.

As the tax base for workers per retiree is shrinking, the costs to provide retirement benefits, Medicare, defense, and infrastructure continue to rise. The government will have to choose between cutting down the budget or raising taxes. Many people believe taxes may have to go up in the future. What do you think?

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Taxes

Benjamin Franklin said that nothing is certain in the world except for death and taxes.

*You make money. They tax you.
*You spend money. They tax you.
*You save money. They tax you.
*You die. They still tax you. (You get taxed more because you are 6 feet below and you don’t stand a chance)

From sales tax to income tax to property tax to estate tax and every other tax, anywhere you turn, the tax collectors await.

The ultimate impact and effect of taxes are excruciating. It leaves less money in your pocket.

For current tax rates, please visit:
http//www.cra-arc.gc.ca/yx/ndvdls/fq/txrts-eng.html.

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HOW SCHOOLS CAN PRODUCE SELF-MOTIVATED, INDEPENDENT-THINKING, SELF-RELIANT, CONTRIBUTING MEMBERS OF SOCIETY (Part 3)

1.) Teach children to encourage the use of their sixth sense through which ideas present themselves in their minds from unknown sources, and to examine all such ideas carefully.

2.) Teach children the full import of the law of compensation as it was interpreted by Ralph Waldo Emerson, and show them how the law works in the small, everyday affairs of life.

3.) Teach children that definiteness of purpose, backed by definite plans persistently and continuously applied, is the most efficacious form of prayer available to human beings.

4.) Teach children that the space they occupy in the world is measured definitely by the quality and quantity of useful service they render the world.

5.) Teach children there is no problem which does not have an appropriate solutions and that the solution often may be found in the circumstance creating the problem.

6.) Teach children that their only real limitations are those which they set up or permit others to establish in their own minds.

7.) Teach them that nan can achieve whatever man can conceive and believe!

8.) Teach children that all schoolhouses and all textbooks are elementary implements which may be helpful in the development of their minds, but that the only school of real value is the great university of life wherein one had the privilege of learning from experience.

9.) Teach children to be true to themselves at all times and, since they cannot please everybody, therefore to do a good job of pleasing themselves

10.) Teach children the psychology of harmonious negotiations between people. All children should be taught how to sell their wat through life with the minimum amount of friction.

11.) Teach children the principles of individual achievement through which one may attain a position of financial independence.

12.) Classes should be abolished altogether. They should be replaced by the round tables or conference system such as business employ. All students should receive individual instruction and guidance in connection with subjects which cannot be properly taught in groups.

13.) Every school should have an auxiliary group of instructors consisting of business and professional people, scientists, artists, engineers, and newspapermen, each of whom would impart to all the students a practical working knowledge of his own professional, business, or occupation. This instruction should be conducted through the conference stay m, to save the time of the instructors.

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Inflation: The Silent Killer

Inflation is the increase in prices of goods and services over time.

When prices increase, your purchasing power decreases. For example, if the inflation is 3.5%, your $100 today will have depreciated to $96.50 next year.

Inflation occurs when a country prints more money than it earns; thus, resulting in lost value in overall Wealth. Some refer to inflation as a hidden tax.

Inflation is a major factor to consider when building your financial future. For instance, if you put your money in an account with a zero rate of return, its value will definitely decline in the long run.

In the last 100 years from 1914 to 2014, U.S. inflation rate averaged 3.32%*. Let’s  look at the prices of some basic items over time.

Let’s say you plan to retire with $4,000 income per month in today’s value. 20 years later, at a 3% inflation rate, you will need to have $7,224 per month to maintain the same purchasing power. Are you prepared for it? Do you think that you should save more and spend less?

Feel free to share this if you got value, rock on!

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3 Ways to Earn Income

Many people are of the notion that having a job is the best option for earning income.

What I am about to share with you may very well help you create financial freedom and peace of mind for you and your family.

What are the 3 ways of earning income?

1. Linear Income: The trading of time for money; the transaction must happen again to continue to earn.

At week’s end, your employer compensates you for the work you did that week; however, the next week you start from zero. You have to put in the work again to get compensated.

2. Residual Income: The transaction happens once and continues to happen.

Unlike the compensation you receive from a job, you wouldn’t have to start all over again every week or month in the case of residual income as you will continue to earn income even when you’re not on the clock. You would agree that earning income while you are not working is very nice, wouldn’t you?

3. Leveraged Income: Have people’s time work for your benefit. Income you earn from the work that other trained professionals do.

You are utilizing your leadership skills to leverage the labor of other people, machines & software to generate more income than you could earn through your own individual effort or labor. How exciting is that?

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