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Tips for an Awesome Life PDF Print E-mail

Tips for an Awesome Life

Mark Twain’s Guide to Living an Awesome Life: 7 Essential Tips

 

“The man who doesn’t read good books has no advantage over the man who can’t read them.”

“Name the greatest of all inventors. Accident.”

“Clothes make the man. Naked people have little or no influence on society.”

Here are seven essential tips leveraging on the wisdom of Mark Twain – lecturer, satirist, humorist and author of classic books like The Adventures of Huckleberry Finn and The Adventures of Tom Sawyer:

1. The secret of getting ahead…

“The secret of getting ahead is getting started. The secret of getting started is breaking your complex overwhelming tasks into small manageable tasks, and then starting on the first one.”

This is a very good tip and one of the best ones I have ever discovered and used to handle procrastination.

When you start to look too far into the future any task or project can seem close to impossible. And so you shut down because you become overwhelmed or fearful (of success or failure) and start surfing the internet aimlessly instead.

So instead, break that task into small and practical steps.

Then just focus on taking the first step today. That is all you need to focus on, nothing else. By taking the first step you change your mental state from resistant to “hey, I’m doing this, cool”. You put yourself in state where you become more positive and open, a state where you may not be enthusiastic about taking the next step after this first one but you are at least accepting it.

And so you can take the next step. And the next one after that.

Until you have arrived at your destination and completion.

2. Less talking, more doing

“Action speaks louder than words but not nearly as often”

“There are basically two types of people. People who accomplish things, and people who claim to have accomplished things. The first group is less crowded.”

It’s often easy to talk but developing the habit of being a person of action is quite a bit harder.

Being in the habit of breaking down your task into smaller pieces is one of the most effective things you can do to take more consistent action. Two other habits that work very well for me are to:

  • Start your day with a good morning routine. This is probably the most important factor for how much action I take during a day and how the day turns out in general. A good start often leads to a good day. A bad or indecisive start often leads to a pretty mediocre day.
    So create a morning routine with a good breakfast, perhaps a short work out or a short meditation and other things you find gets you off to a great start. Then add doing the most important task of your day at the end of that morning routine.
    Or if you, like me, may feel low in energy, unmotivated or have extra inner resistance to taking action on some mornings then start small and do something easy and simple.
  • Take one small action right away to get the ball rolling. What is one thing you can do to pretty much make sure that something will get stuck on your I’ll-do-that-when-I-have-the-time list for a long time? Read about something and get excited about it. And then do nothing about it or tell yourself that you will take action tomorrow.
    Instead, take one small action today, as soon after you have read about whatever you are excited about. Make a plan, book an appointment, do something concrete.

3. Be courageous in the face of fear

“Courage is resistance to fear, mastery of fear – not absence of fear.”

Being courageous can be difficult but if you want to live the life you want to live then sometimes you have look into the face of fear and get going/keep going anyway.

And although it is rarely easy to be courageous I have found a few ways to make it easier.

  • Ask yourself: what is the worst that could happen? Really think about. Don’t just think about it for a few seconds. Sit down with a pen and piece of paper, your laptop or cellphone. Write it all out and think about what the realistic worst-case scenario would be. Then write down a plan for how you can come back from such a scenario.
    This step brings clarity, defuses fuzzy fears and helps you realize that you can most often bounce back pretty quickly even if the worst-case scenario somehow becomes reality.
  • Share your fear with someone. By sharing your fear you can relieve inner pressure. By just keeping it on the inside it’s easy to build it up into this massive nightmare and extremely dangerous thing.
    By sharing and by getting some input from a levelheaded friend or family member he or she can help you to alleviate the fear and inner pressure. And you can gain a much healthier perspective on things again.
  • Accept the fear. It is a natural impulse to try to deny the fear when shows up in your life. Perhaps you try to not think about it, you try to push it away. I have found that in many cases it is actually better to just accept that fear is here right now (although it can be hard to sometimes convince your brain that this is a good option).
    By doing so you stop feeding more energy into the fear and you stop making it strong. After a few minutes of fully taking in this uncomfortable feeling and accepting it then it starts to lose steam. It just seems to float away – or at least becomes smaller – and you feel more open and centered.

4. A good compliment is a wonderful thing

“I can live for two months on a good compliment.”

Compliments are awesome. But make sure you make it a genuine one. Make sure you really mean it or it may have the opposite effect as your insincerity shines through. Find something a bit unexpected – like great taste in old soul music rather than looks – and something that is important to the other person and make a positive, appreciative comment about that.

5. Keep positive company

“Keep away from people who try to belittle your ambitions. Small people always do that, but the really great make you feel that you, too, can become great.”

I have mentioned this many times. But it bears repeating.

Spend more time with positive people, books, music, movies and websites. Spend your time in an environment that lifts you up. And spend less time or no time with the negative sources out there. Make a conscious choice and start to shape your environment instead of just going along and reading, listening to, watching what people in general or people around you may be in the habit of consuming.

6. Focus on what is truly important for YOU

“Many a small thing has been made large by the right kind of advertising.”

Like with your environment it is important to make a conscious choice to focus on what is most important in YOUR life. And not on the things that various companies may tell you are the most important things.

Like I mentioned little more than a week ago, a note with the 4 most important things in your life smartly placed where you will see it every day – in your workspace etc. – helps you to keep your mind consistently on your top priorities.

And if you want a couple of practical tips that will help you to declutter your ad/information intake then:

  • Ask yourself: is this useful? If for instance a TV-show or magazine isn’t bringing me anything useful – fun, fascination, useful tips etc. – then why am I spending my time on it? It’s kinda easy to just fall into a habit of doing stuff or consuming things without really having much of a reason for doing so.
  • Find out what you really like to do. That will probably be more interesting that surfing the internet or TV-channels randomly. And so these less exciting things just tend to fall away from your life as you find – or spend more time with – things that you really like to do, like for instance a new hobby.
  • Shut off the sound during commercials. And talk to the person beside you on the couch. Or read a couple of pages. Or record the TV-show or movie. Then skip through the commercials.

7. When emotions are exploding… WAIT!

“Time cools, time clarifies; no mood can be maintained quite unaltered through the course of hours.”

It’s easy to make bad decisions when you are full of negative emotions. And it is very easy to become riled up, angry or defensive when you, for instance, receive some criticism or when someone is attacking you verbally. This is not a good position to be in to fire away a reply if you don’t want to wind up making the situation worse.

And to lash back at this person or to not be the better person here can really hurt your self-esteem. It might feel good for a while to do so but it is a dirty high that comes with a hangover of feeling worse about yourself and subtle or not so subtle self-destructiveness.

But how do you control the impulse to attack, overreact or make a hasty decision?

  • Remind yourself of the potential consequences. I don’t want to hurt myself, my self-esteem or make bad decisions with negative consequences. By repeatedly reminding myself of these potential consequences thoughts about those consequences will also often pop up automatically when I receive criticism or when I am angry.
  • Count to at least 10 and take a few belly breaths. Then respond. This simple way of calming yourself down and regaining some perspective can save you a lot of trouble and help you avoid saying something you can’t take back. It’s a good approach to avoid creating unnecessary problems and to cool down just a bit and to feel more balanced before you reply or take action.
  • Accept how you feel. If you have a little more time than under a minute then take a look at tip #3 again and try to accept how you feel to lessen the big emotions more quickly.
  • If possible, wait until tomorrow or at least later today. By then the most negative feelings will most likely have lost their steam and you can see things with more clarity and cool. And take action in a better and smarter way.

This article was sources from Henrik Edberg

 
Developing Positive Self-Direction PDF Print E-mail

All the great philosophers in history at one time or another have compared

human beings to ships.

About 95% of the people can be compared to ships without rudders, subject to every

shift of wind and tide.  They float along on the external current, helplessly adrift.  They

fondly hope and dream that one day they'll drift into a rich and successful port, but they

usually end up on the rocks or run aground.  But those 5% who win, who have taken

the time and exercise the discipline to decide on a destination and to chart a course, well,

they sail straight and far, reaching one port after another, and accomplishing more in just

a few years than the rest accomplish in an entire lifetime.

 

All sea captains know their next port of call. Even though they can't see their actual

destination for fully 99% of their voyage, they know what it is and where it is, and that

barring an unforeseen catastrophe, they'll surely reach it if they keep doing certain things

in the same way every day.

 

Read more...
 
Master Your Life PDF Print E-mail

Master Your Life

Success doesn't just show up via luck. No, success is the inevitable result of doing a number of specific things, in a consistent way.

Here are the 6 Insights to Master Your Life:

1. IT IS ALL ABOUT YOU!

The #1 reason you may not be where you want to be in your career and personal life is who you currently are vs. the external conditions you might be blaming. It's stunning how our limiting beliefs and core fears sabotage us and keep us small. And here's the thing: because most of them are subconscious, we can't even see the mess they are creating for us.

The key here is to clean up the self-deception in your life. And take a good hard look at why you are where you are. Is the truth that you're scared of failure or rejection or the unknown or success? The more aware you become of how you're the one standing in your own way, the more you'll move into choice. And have the power to make the new choices that drive new results.

Read more...
 
Happiness is Love PDF Print E-mail

Recently I was talking with a friend about how much money they required so to not worry about money or lack of, or scarcity of. So that they could focus more of their time and life doing the things that they'd rather be doing. You know one of those coffee conversations you have when you’re rather be doing other things than working!

Together we talked about lots of stuff, such as what they would do, how they would spend their time, travel, needs, family etc...I was a really awesome conversation listening to what’s important, beyond money from those who are important to us.

Well it got me thinking... and what I do know is that in life people that have a known destination to get to i.e. a goal has a higher chance of reaching their goal than someone that doesn't set one.

"There are those who travel and those who are going somewhere. They are different and yet the same. Successful people have this over their rivals. The know where they're going". Mark Caine

Whatever your number is and I believe everyone has a number as a Trusted Advisor my role is to help you and my clients have the best chance of success in completing your journey and goals. And as a guide whatever the annual income someone wants to fund their lifestyle I recommend we take that annual figure and divide it by 6%. This will give the gross number recommended to be that will generate this sufficient stable desired annual income. i.e. $60,000 annually required to fund lifestyle needs. Divide $60,000 by 6% and your gross figure will be $1,000,000. This $1,000,000 is the dollar figure if invested and returning you 6% income will generate for you $60,000 per year.

Note that inflation will impact this figure over time; however that's another conversation about investing and asset classes.

A couple of days after our conversation she sent me this article, for me to post and pay forward this gift to you and make the world a better place. Thanks’ babe!

Management Journal17 Nov 2011

 

Read more...
 
All It Takes Is 90 Seconds PDF Print E-mail

The following are some powerful, yet very simple things you can do to impact many important areas of your life — and each one will take you only a minute and a half.I call it The 90 Second Rule. Use these and you’ll see amazing results.

Greeting Your Family with the 90 Second Rule

Never before in our history has the family fabric been so eroded.  And it’s been a slow erosion.  We don’t eat meals together; we don’t know each other’s visions.  Our communication has broken down, and there’s never been more stress and strain on a family than now.  With workloads increasing, tension at an all-time-high level because of money and finances, and children graduating, yet not being able to find a job, there’s a lot of stress. And depression in children has never been higher. I see that all the time in my coaching.

I find that one of the rules that has been violated for the last 20 years, and I think it’s really been part of the fabric of our families eroding, is the 90 Second Rule.

Read more...
 
Financial Plumbing PDF Print E-mail

Financial Plumbing

First, what do we mean by "conduit?" Well, a conduit is something that allows energy to move in an orderly way from one place to another. For example, a water pipe moves water from the well or reservoir to your faucets.

So, in your mind's eye, picture a body of water on the left side, and the water tap in, say, your kitchen on the right. Now connect the two with a pipeline. Now the pipe can move the energy of water in an orderly way from the source to the outlet.

And that's what WE want to do with the energy of money: Move it in an orderly way from the Source, which we know is unlimited, to the place where it can "water the garden of our goals and dreams."

But in the normal life of a conduit, what happens? Sludge accumulates and leaks spring up. When we're not aware that’s happening, of course, our usual response is simply to turn the tap further — to call for more. But when more energy tries to come through, the leaks just get bigger and the sludge builds up more and increases the pressure until ... the pipe may burst.

And now we've got a real mess on our hands.

Read more...
 
What Used Car Salesmen and Financial Planners Have In Common. A 19-Point Checklist to Evaluate Your Financial Planner PDF Print E-mail

We don’t trust car salesmen because we know they’re typically more concerned with what they’re getting out of the deal than with meeting our needs.

Then why do we throw our money to anyone who calls  him- or herself a “financial planner” — who also works solely on commission (and usually sells only one or two products)?

As a holistic Financial Advocate, I constantly encounter clients who think that because they already have a financial planner, they’re all set with their finances.

Unfortunately, most people who call themselves “financial planners” are actually just salespeople. Because they get paid from commissions on selective products, they have little or no incentive to give you an accurate, comprehensive, and efficient financial plan that accounts for every variable. Hence, their recommendations are skewed and incomplete at best.

I work personally with hundreds of clients. My thorough research has proven that more than 90% of them take home far less money than they should — regardless of whether they have financial planners. Even if your financial planner is trustworthy and knowledgeable, most likely he or she is just one part of what should be a more complete financial team and strategy.

Use the following 19-point checklist to determine whether or not your “financial planner” is giving you the best advice, tools, and strategies (to simplify this, I’ve used the universal “he”):

  1. Does he analyze the expense structures and uncover hidden financial fees in all your existing financial products?
  2. Does he analyze your accounting strategy and every aspect of your taxes to ensure that you’re keeping as much of your money as possible?
  3. Does he teach you to defer your taxes until later when your tax burden will be higher, or do your tax strategies limit or eliminate your taxes when you withdraw on the back end?
  4. Does he provide you with practical exit strategies on all your investments, or will you be subject to unexpected penalties, fees, and taxes?
  5. Does he review your estate plan to limit your taxes and liability, maximize your distributions, and give you as much control and the government as little control as possible?
  6. Does he offer strategies for limiting your exposure to market risk while also giving you as much upside potential as possible?
  7. Does he offer strategies for succeeding no matter what, or do your strategies depend on market cooperation?
  8. Does he review all your insurance coverages to check for duplicate coverage and ensure the most efficient structure and best possible premiums?
  9. Does he analyze all your current loans to ensure that you’re getting the best terms and rates, and to provide the best debt payoff strategy?
  10. Does he analyze your credit score and help you improve it to get more favorable loans and increase your cash flow?
  11. Does he use accurate projections, or are they based on false assumptions and unknown variables? (Hint: If he gives you a projected scenario in which you’ll average 8% or more every year for the next 30 years, you can know with certainty he doesn’t know what he’s doing.)
  12. Does he teach you how to perform proper due diligence on all your investment opportunities?
  13. When you lose money in investments, does he just tell you, “You’re in it for the long haul,” and advise you to stick with the plan, or does he have effective strategies for limiting your losses?
  14. Does he teach you how to align your investments with your passion and purpose? Does he recommend what’s best for you, or what’s best for him?
  15. Does he teach you how to maximize your control and liquidity with all your investing, or does he simply tell you to dump your money in accounts you don’t understand, and then hold onto them for 30 years and cross your fingers and hope they grow?
  16. Does he teach you how to grow and manage your business, or at least connect you with resources to help you with your business?
  17. Does he analyze your business structure to ensure that you’re getting maximum tax advantages?
  18. Does he teach you how to optimize your immediate cash flow, or are his recommendations simply concerned with long-term retirement planning?
  19. Do his recommendations boil down to selling you a couple of products, or does he provide a true macroeconomic plan that identifies, prioritizes, and manages all pieces of your financial puzzle, with all pieces coordinated and working together for maximum efficiency?

One of the critical flaws of the financial services industry is that it’s driven by sales commissions. Working with salespeople posturing as “financial planners” causes you to lose money in taxes, hidden financial fees, insurance premiums, and mismanaged credit. It means you’re not optimizing your current cash flow, nor are you adequately preparing for the future.

Financial planning doesn’t mean buying a few financial products, dumping money into them, and hoping they’ll grow and provide you with a healthy retirement. It includes every aspect of your finances and economics.

To get a true financial plan that actually works, you need more than a salesman — you need a legitimate planner who analyzes your entire financial picture.

Garrett Gunderson is a Financial Advocate, the author of the New York Times, Wall Street Journal, USA Today, and Amazon bestseller Killing Sacred Cows: Overcoming the Financial Myths that Are Destroying Your Prosperity, and the creator of “The New Rules to Get Rich.”

 
August 2009 Newsletter PDF Print E-mail

August 2009 NewsletterHere is an audio of Peter's August 2009 Newsletter.

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General Advice Disclaimer & Product Disclosure Statement

The advice is General Advice Only. It has been prepared without taking into account any individuals objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs.  You should obtain a Product Disclosure Statement relating to the products mentioned, and consider the statements before making any decision about whether to acquire the products. Peter Horsfield is a Certified Financial Planner (CFP), and is a Practitioner Member of The Financial Planning Association of Australia FPA. Peter Horsfield is authorized to provide advice through Patron Financial Advice Australian Financial Services  License Number 307397.
You should seek advice from a qualified professional before proceeding on (02) 84257802 or financialplanning@fmw.com.au