Monday, April 27, 2009

PUT YOUR VISION TO ACTION By Dan Miller

"Success is never an accident. It typically starts as imagination, becomes a dream, stimulates a goal, grows into a plan of action — which then inevitably meets with opportunity. Don't get stuck along the way."
— Dan Miller

That actually is a great idea. Just breaking the cycle of our routine is often the jarring that our brains need to wake up. Go ahead and spend that 12 hours throwing a ball against the wall I'm absolutely confident that in that time you'll wipe away some cobwebs, peel back the scales from your eyes, and begin to get in touch with your childhood dreams.

So often I see people who have become numbed to their dreams just because "life happens." Mortgages come along, kids need school books, and it's time for new tires on the car. Who has time to dream? But perhaps that's why unexpected and even unwelcome events like a job loss or a business failure often break the normal day-to-day existence and wake up our best dreams. If things are okay for you right now, take the initiative to find your dreams anyway don't wait for a crisis to break any pattern of mediocrity that may have slowly found its place in your life. Go spend a day at the zoo, walk four miles out in the country, call an old high school friend, get a massage, go on a cruise, or throw a ball at a wall for 12 hours that just may be the tipping point to reveal your true calling.

In Seven Pillars of Wisdom, T.E. Lawrence says, "There are dreamers, but not all human beings dream equally. Some are dreamers of the night, who in the dusty recesses of their mind dream and wake in the morning to find it was just vanity. But the ‘Dreamers of the Day' are dangerous people because they act their dreams into reality with open eyes."

Now there's a clear picture. "Dreamers of the Day" are dangerous because they "act their dreams into reality with open eyes."

Your dreams may be the real beginnings of the future you want.

In today's sophisticated, technological world we often dismiss our night dreams as the result of too much pizza or having too much on our minds when we went to bed. But what about those day dreams? Are they to be dismissed as well as just random thoughts passing through our brains? Should we pay attention to those "dreams" or just hunker down and be "realistic" and "practical" with the economy in the shape it is? With jobs being lost, homes being foreclosed, 700 billion dollars up in smoke, and General Motors on the brink of disaster, surely now is not the time to dream. Or is it? Is now a time to dream, or should all wishes, fantasies, visions, and dreams just be put on hold until things get better? Common sense may tell us to forget about anything but the bare essentials until the economy improves, companies start hiring again, or the government gets the automotive, banking, and real estate industries straightened out.

But "common sense" seldom provides the best solutions at times like these. However you define it, "uncommon sense" may be just what is needed right now. Maybe the trying times have helped you wake up your long-forgotten dreams. Those things that were put on the back burner while life happened may be ready to be birthed because the "common sense" solutions didn't work out very well.

Haven't you experienced in your own life how those times of trials and challenge often released your best ideas? Several years ago I experienced a devastating business failure. I owed the IRS and everyone else in town hundreds of thousands of dollars. And yet that experience woke up some long-dormant dreams of mine that I was able to bring to life over the next few years as I made those painful payments for my mistakes. Today I am living a life much different from the "success" I thought I was heading for back then.

Have you experienced a challenge that helped open your eyes to a better opportunity? Have you ever taken a dream and acted it into reality? Isn't that where your best ideas started?

Could your "dreams of the day" be the seeds of creative problem solutions and the opening door into your greatest new opportunities?

"Cherish your visions and your dreams as they are the children of your soul, the blueprints of your ultimate accomplishments." –Napoleon Hill

As a life coach, nothing concerns me more than beginning the coaching process with someone who says they have no dreams. No dreams traps people in jobs they hate, relationships that have never blossomed, and cars, houses, and clothes that serve nothing but utilitarian functions.

Don't underestimate the value of your night dreams for problem solving and creative approaches to your situation. And by all means, keep dreaming during the day. Tap into those recurring thoughts and ideas that have followed you for years.

"All successful men and women are big dreamers. They imagine what their future could be, ideal in every respect, and then they work every day toward their distant vision, that goal or purpose." –Brian Tracy

If you can't dream it, it won't likely happen. Success doesn't sneak up on us. It starts as a dream that we combine with a clear plan of action. Become a Dreamer of the Day and watch your success soar.

Even the Bible tells us — "Where there is no vision, the people perish." (Prov 29:18) We are not going to perish as individuals, families, companies, or a nation — unless we ignore those beautiful dreams of the day.

Maybe in this current work environment you are beginning to wonder if you can even fit in. Perhaps your job is no longer fulfilling or maybe it has vanished completely. Is it time to conform to a new opportunity or may this be the first time in your life that you actually decide to find or create the work you love?

Here's a great question I received recently from a reader who creates beautiful music — but … I'm sure many of you will identify with her.

"Dan, I'm an artist. I don't fit any ‘normal' job because I'm in the 1% of the world's population. I have felt blocked by obstacles or setbacks all my life. I have big dreams — I want to be used by God in a big way. I see myself doing many things: singing/writing/teaching. But I have a feeling I'm going to have to create my own ‘job.' There has never been a job description written for what I want to do. I think God is pushing me ‘out of the box' and has other ideas for me. But I see no clear-marked path of how to best create work. Am I alone in my struggle?"

Dear Artist, I love gifts that God gives us that don't "fit" nicely anywhere. I find that people with those often end up with a much more authentic life than those who simply chose a common career path like dentist, accountant, pastor, teacher, or engineer. The easy path is seldom the most fulfilling. Be grateful that you are in a wonderful 1% of the population. And yes, you will likely have the opportunity to create your position there are not traditional "jobs" for people like us. But that's where we have to use that same creativity and artistic abilities to find how to share our gift with the world in a way that is meaningful, purposeful and profitable.

Just keep in mind that having writing/singing skill and putting it to music is the beginning part of seeing success in your work. You then have to position, brand, and market it. Having the gift and talent is not enough. You need to know your "unique selling proposition" (USP) and have a clear marketing strategy. Your music may be appropriate for people in hospice situations or as part of a physical rehabilitation program. I know of an artist who has focused on dental offices for selling her art. Someone commented that her art is calming she took that one cue and has been extremely successful selling into that one profession.

Don't be fearful of being in the position of having to create your own job or work. Only governments, universities, and enormous organizations have positions with inflexible job titles and duties. Keep in mind that 99.4% of the companies out there have fewer than 99 employees. That means they are small enough to be flexible and to embrace the unique skills brought to them by competent and passionate people. The responsibility (and opportunity) is yours to define what it is that you are passionate about and what you do with excellence. Then you can position and promote yourself for an opportunity that embraces those unique characteristics.

And, no, you are not alone in your struggle. Thousands are asking the same questions and having the same feelings. Believe that being "out of the box" is a blessing. People inside the box are smothering.

People who love their work are not rational people!

I love to see the wide variety of dreams that are nurtured, defined, and developed into meaningful, purposeful work. People often ask me what kind of personal skills make someone a candidate to be one who loves his or her work. And when I start listing the things I think are helpful, I find that I touch on many things that seem to be contradictory.

Is it better to be an extrovert or an introvert? A dreamer or a realist? A thinker or a doer? A socializer or a loner? Is it more valuable to have imagination or practical skills? To be left-brained or right-brained? Dominant or reserved? Analytical or expressive? Change-loving or schedule-conforming? Super intelligent or just normal? Gorgeous or average?

I've come to the conclusion that there is no "right" or "predicable" pattern that leads to work that we love. I think most of us who have found that sweet spot defy rational explanation or categories. The person who loves his or her work is someone using both sides of the brain. The right side pours out dreams, passions, and fantasies, and the left side takes that and creates patterns and systems to allow results that benefit everyone and magically produce money as well. You can have the soul of an artist and your work is a shaped release of that art. You can be a logical precisionist and your work brings life to those otherwise boring and useless details.

Welcome to today's world of work yes it is volatile, unpredictable, and intimidating. Old work models are being destroyed. Pensions, medical benefits, company cars, and big bonuses will never be the same. Intelligence, degrees, certification, and loyalty may not be rewarded as in the past. But the apparent destruction reveals a clean slate. There are no obstacles, no barriers. No wrong personal attributes, backgrounds, or education just opportunity for all!

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Monday, April 20, 2009

Dissatisfaction, Confusion, Action By Dick Sutphen

All change and growth involves three steps: 1. DISSATISFACTION: Because of outer events or inner feelings, you decide your current situation no longer works for you. 2. CONFUSION: Normally, a period of confusion follows in which you challenge your old beliefs. You begin to fantasize how things could be different. This transitional period could last a day, a month, a year, or more ... until something happens. 3. ACTION: Someone helps you to make a decision, or an opportunity presents itself, or you manage to attain clarity. Once this happens, you take action and, ideally, manifest a more satisfying life.
But, oh, how we resist change. Out of fear, we cling to what is and do everything within our power to keep people and things in their familiar static positions. If you’re in a good relationship, you certainly don’t want your union to spin off in some unexpected direction that will cause you anxiety. You want things to remain just as they are, solid and predictable. But soon suffering arises, because life is constantly changing.
“It is your resistance to what is that causes your suffering,” said Buddha. Life is change. Change is what is. If not today, then tomorrow, or next month, or next year. Everything in your life will eventually change.
Trouble starts with our desire for permanency. Desire is a matter of living in the future—of sacrificing the present for the future. And desires always disappoint. If you don’t get what you desire, you become frustrated. If you do get what you desire, you’ll still be frustrated, because what you desired will never live up to your expectations. Sooner or later you’ll find you were chasing illusions.
And permanency is a great big faulty assumption, because it simply does not exist.
But what if you could lock up life so that permanency were possible? Nothing would ever change. Tomorrow would be a repetition of today. Next year, everything the same. Five years down the road, exactly the same. BORING! STATIC! DEPRESSING! It is the not knowing that makes life exciting and generates ALIVENESS.
So the idea is to be courageous enough to embrace change, knowing that your soul is in search of new experiences to provide GROWTH. Growth is why you incarnated upon the earth. But you can’t experience growth living a static life. A static (stagnant) life may protect you from some problems, but at what cost and for how long? Stagnation is a process of drying up—allowing your life to become dull, colorless, lifeless. No aliveness. No joy. Watch some TV, go to work, come home, watch some TV, go to work, come home. Treadmill.
Even if your actions in a quest for growth cause you pain, at least when you’re hurting, you know you’re alive. And the pain will generate more action, which will lead to more aliveness. Soon you’ll find yourself back among the living.
If your life has become lifeless, what can you possibly fear from change? Explore your DISSATISFACTION, allow time for CONFUSION, and then make up your mind and ACT to manifest a more satisfying life.
Words to Consider Eliminating
Since the concepts implied by the following words don’t contribute to improving the quality of your life, it might be in your best interest to notice when you use them. You’ll become more aware of the way you give away your power, limit your reality, or negatively program your subconscious mind.
TRY: Trying is lying. There is no such thing as trying. You do it or you don’t. You get results in life or you have excuses why you didn’t. When people say, “I’ll try,” they usually mean, “I’m not going to do it now.”
SHOULD: Don’t “should on yourself.” Should is resistance to what is, and the Universal Law of resistance states, “That which you resist you draw to you.” Do things because you want to do them, not because you should.
BECAUSE: This word often prefaces a “reasonable” explanation for doing what you do. When you cease to provide reasons to other people for doing what you do, you’ll keep more power.
BUT: “Get your but out of the way!” The word but often creates a problem. If you replace it with the word and, you no longer have a problem.
BELIEF: You only believe what you don’t know or haven’t experienced. Knowledge comes from experience. And belief destroys experience.
Of course this is easier said than done, and there are exceptions. As a writer, all too often, I tend to play loose with words and ignore my own wisdom. But (did you notice the but), now that I’ve shared this with you, I’ll have to be a little more careful.


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Wednesday, April 15, 2009

16-Year-Old Girl Tops JAMB Score

Sixteen-year-old Miss Irene Ekpoawan Edem has emerged the highest scorer in the 2009 Universities Matriculation Examination (UME), with 310 out of the 400 marks obtainable.
The native of Cross River State applied to study Communications with Options’ at the ABTI-American University of Nigeria, Yola.
Three other candidates, who, coincidentally all made the University of Lagos (UNILAG) their first choices, came bracket second with 308 marks. They are Obukohwo Friday Igugu, 23, Konye Henrietta Odinde, 18 and perhaps the oldest, Raymond Kuroyefa Moses-Gombo, 47. They applied to study Industrial Relations and Personnel Management, Economics and History and Diplomatic Studies, respectively.
The candidates topped the list of the best 15 in the examination, released in Abuja yesterday by the JAMB Registrar, Professor Dibu Ojerinde, who disclosed that the full results were now available online.
It was, however, noteworthy that none of the top 15, whose marks ranged between 298 and 310 applied to study the sciences. Three candidates each applied to study Communication, Economics, and History.
While Law, Accounting, Industrial Relations, Urban and Regional Planning, etc. had a candidate each.
Ojerinde said out of the 1, 182, 381 candidates, who applied to sit for the UME , 1,145, 961 or 96.92 per cent of them actually sat for the examination. 65 of them were visually impaired (out of the 71 who registered). 13 were inmates of Ikoyi Prisons and 33 of Kaduna Prisons, all of whom would have completed their terms by the next admission exercise.
A total of 199 candidates sat for the examination in five centres outside the country.
The six states with the highest number of applicants were Imo. Anambra, Delta, Edo, Ogun and Osun, in that order, while the six with the lowest number, in descending order were Gombe, Sokoto, Taraba, Kebbi, Zamfara and Yobe.
The Registrar said 548, 543 candidates scored 200 marks and above.
Another 14, 847 scored between 190 and 199; 150, 541 fell between 180 and 189 marks; 128, 063, were between 170 and 179; another 95, 055 scored between 160 and 169 marks, while 72, 196 scored less than 160 marks.
In all, Social Sciences accounted for 275, 208 or 23.28 per cent of the candidates, followed by Administration with 179, 056 (15.15 per cent), Medicine, 177, 715 (15.03 per cent); Engineering, 152, 051 (12.86); Sciences, 139, 129 (11.77 per cent) and Arts/Humanities, 83.009 (7.02 percent). Others are Law, 75, 244 (6.37 per cent); Education, 44, 346 (3.75 per cent); Environmental Studies, 22, 358 (1.89 per cent); Pharmacy, 20, 857 (1.77 per cent) and Agriculture, 13, 408 (1.14 per cent).

Last year, Social Sciences also accounted for the highest number of 249, 928 or 23.71 per cent of the candidates, followed by the Medical Sciences, 184, 210 (17.48 per cent); Administration, 160, 466 (15.22 per cent); Engineering, 157, 460 (14.94 per cent) and Sciences, 117, 905 (11.19 per cent).
Others were, Law, 68, 434 (6.49 per cent); Arts, 67, 851 (6.44 per cent); Education, 36, 590 (3.47 per cent) and Agriculture, 11, 216 (1.06 per cent).

Tuesday, April 14, 2009

"Most people spend their lives looking but not truly seeing."
Joe Navarro: Former FBI agent and expert on nonverbal language

“The most authentic thing about us is our capacity to create, to overcome, to endure, to transform, to love and to be greater than our suffering.”

Monday, April 13, 2009

"We can let circumstances rule us, or we can take charge and rule our lives from within."

The stories of people achieving unusual success despite all manner of handicaps never fail to capture our attention. They're inspirational to be sure. But they're much more than that if we study them closely. Take the free test that can determine if you will be a success...or a failure. The boy whose legs were terribly burned and who was told he'd be lucky to ever walk again becomes a champion track star. The woman blind and deaf from birth becomes one of the most inspirational figures in the century. And the poor children who rise to fame and fortune have nearly become commonplace.

In this age of unprecedented immigration, we read about and see on television examples of people who arrived in this country without any money and without knowing a word of English and who within a surprisingly short time have become wonderfully successful. In fact, the typical Korean family that has immigrated to the United States during the past 20 years has a higher average income than the average American family that was born and went to school here.

Now how does that happen? Freedom, personal liberty, is the most precious thing on earth. It is also one of the rarest; hence its great value. People who manage to get to America, despite mountainous problems and miles of red tape, often find themselves free for the first time in their lives. It's a joyous, wonderful experience for them. And in this newfound freedom, they set to work to find a place for themselves. They go to work serving their new country and its people. Time means nothing to them.

To them, being free to pursue their own ends in the richest, freest country on the planet is everything. They all go to work. And they work hard and their work is excellent, first-class, as good as they can do it, and it's priced fairly. There's no complaining or sense of entitlement. All they want is the opportunity, and once that's theirs, they make the most of it.

In New York City, a Korean family managed to buy a small convenience grocery store in Midtown Manhattan. The first thing they did was clean it. It sparkled with cleanliness. Then they stocked it with everything they felt the people in their area wanted in the way of things you find in a grocery store. They were open early in the morning; they stayed open late at night. They never failed to smile and give a friendly greeting to their customers. Naturally they became wonderfully successful. They were open seven days a week. One day customers coming to the store found it closed and on the door was a sign giving the reason why. It read, "We've gone to Yale University to watch our son graduate." That's an American story. It's the true story of people who found joy and freedom and in the opportunity to serve their fellow man and make the most of it.

What sets these people apart, people with such vast handicaps such as not knowing the language, not knowing the right people, not having any money, or the boy with the burned legs who becomes the champion runner or a Helen Keller, blind and deaf, who becomes one of the most inspirational figures of our time? What in the world's the answer? The answer, if fully understood, will bring you and me anything and everything we truly want, and it's deceptively simple. Perhaps it's too simple.

The people we've talked about here and the thousands currently doing the same thing all over the country are in possession of something the average American doesn't have. They have goals. They have a burning desire to succeed despite all handicaps. They know exactly what they want; they think about it every day of their lives. It gets them up in the morning and it keeps them giving their very best all day long. It's the last thing they think about before dropping off to sleep at night. They have a vision of exactly what they want to do, and that vision carries them over every obstacle. It's what drives them at every level.

This vision, this dream, this goal, invisible to all the world except the person holding it, is responsible for perhaps every great advance and achievement of humankind. It's the underlying motive for just about everything we see about us. Everything worthwhile achieved by men and women is a dream come true, a goal reached. It's been said that what the mind can conceive and believe, it can achieve.

It's the fine building where before there was an empty lot or an ancient eyesore. It's the bridge spanning the bay. It's landing on the moon. And it's that little convenience store in Midtown Manhattan. It's the lovely home on a tree-shaded street and the young person accepting the diploma. It's the new baby in its mother's arms. It's a low golf handicap and a position reached in the world of business. It's a certain income attained or amount of money invested. What the mind can conceive and believe, it can achieve.

We become what we think about. And when we're possessed by an exciting goal, we reach it. That's why it's been said, "Be choosy therefore, of what you set your heart upon. For if you want it strongly enough, you'll get it." Amen to that.

It's been said that Americans can have anything they want. The trouble is they don't know what they want. Oh, they want little things. They want a new car; they get it. They want a new refrigerator; they get it. They want a new home, and they get it. The system never fails for them, but they don't seem to understand that it is a system. Nor that if it'll work for a refrigerator or a new car, it will work for anything else they want very much, just as well.

Perhaps that's best. People come in all shapes and sizes and with goals of infinitely varying specifications, if they have goals at all. Once a person fully and emotionally understands that the goals that are important to him or her can become real in his or her life, well it's like opening a jack-in-the-box: All sorts of interesting and exciting things begin to happen. Quite often we become truly alive for the first time in our lives. We look back at our former lives and realize we were shuffling along in a kind of lock-step, that we were actually taking our cues from those about us in the unspoken assumption that we're all alike — when nothing could be further from the truth.

We are not all alike. Each of us is different, with different genetic profiles, different wants in life. What will wonderfully satisfy one particular family and represent complete success for them would be considered failure for another family. All because of their different aspirations, their different plateaus in life, the difference in their lifestyles, upbringings, education. Every facet of our environment as youngsters has an effect upon us and helps to set our course in life.

The youngster who knew poverty as a child might aspire to be wealthy. He might overcompensate because of the desolation in his youth. While another young man raised in an upper-middle-class family who always had just about everything he wanted might settle for a very middle-class adulthood. Things we've always had aren't as important to us as they are to those who have been without them.

We talk about freedom and how dear it is to those who never had it. Most Americans take it for granted and never even think about it. If you ask most Americans what the most important thing in the world is for a human being, chances are they'd seldom come up with freedom. Yet as Archibald MacLeish wrote in his find play, The Secret of Freedom, "The secret of happiness is freedom. And the secret of freedom, courage."

To understand the subject and the importance of goal setting, we have to realize that it's the very basis of any success. It is in fact the definition of success. The best definition of success I've ever found goes like this, "Success is the progressive realization of a worthy goal. Or in some cases the pursuit of a worthy ideal." If you'll give these definitions some thought, I think you'll agree with me, success is the progressive realization of a worthy goal. It's a beautiful definition of success. It means that anyone who's on course toward the fulfillment of a goal is successful.

Now, success doesn't lie in the achievement of a goal, although that's what the world considers success; it lies in the journey toward the goal. We're successful as long as we're working toward something we want to bring about in our lives. That's when the human being is at his or her best. That's what Cervantes meant when he wrote, "The road is better than the inn."

Quite often romantic stories end with the loving couple getting married. That's just the beginning of the real story. When the young person stands before his school's president or principal and receives the diploma, that's called commencement. That's the beginning. It's an important milestone to be sure, and congratulations are certainly in order, but where are you going from there? Once a person has realized the goal for which he or she has so assiduously toiled, that's wonderful. It's time for a rest and some self-congratulations. There's time to savor the achievement. But we're no longer successful by my definition until we set a new higher goal toward which to work. We're at our best when we're climbing, thinking, planning, working. When we're on the road toward something we want to bring about.

I don't mean by this that we should become workaholics; far from it. In fact, it's been well established that the most successful men and women manage to live in a wonderful state of balance with lots of recreation. Take that word recreate apart when you've got some time, and you'll find it interesting. And they get lots of rest. The mind works best when we're properly rested, and our minds are the best and most important parts of us, regardless of what we choose to do. Did you ever hear an athlete say it's about 90% mental? Whatever the percentage really is, in a good game of golf or tennis, it's very large. Our mental attitude can make all the difference between winning and losing.

With our definition, success being the progressive realization of a worthy goal, we cover all the bases. The young person working to finish school is as successful as any person on earth. The person working toward a particular position with his or her company is just as successful. If you have a goal that you find worthy of you as a person, a goal that fills you with joy at the thought of it, believe me, you'll reach it. But as you draw near and see that the goal will soon be achieved, begin to think ahead to the next goal you're going to set. It often happens that a writer halfway through a book will hit upon the idea for his next one and begin making notes or ideas for a title even while he's finishing work on the one in progress. That's the way it should be.

We are at our very best and we are happiest when we are fully engaged in work we enjoy on the journey toward the goals we've established for ourselves. It gives meaning to our time off and comfort to our sleep. It makes everything else in life so wonderful, so worthwhile.

Most people, when they think of the word success, tend to equate it with lots of money. Sometimes that's a natural part of the goal and tells us how well we're doing. But not always, by any means. Success is whatever we want it to be, that is worthy of us. That's why I commented earlier that success may also be defined as the pursuit of a worthy ideal.

For example, I can't imagine anyone being more successful than an outstanding teacher who's striving to know more about the art of teaching and the subject matter that will catch the interest of his or her pupils, who understands that every student is different and learns at a different rate of speed. Joy and satisfaction come to us from serving others, and there are literally millions of ways of doing that. For those whose goals involve the serving of great numbers of people, chances are they'll be richly rewarded indeed. In fact, for many, a goal is a certain level of income or a certain amount of money in an investment account.

A goal is an individual thing, as individual as the person him- or herself. Since no two people are exactly alike, it stands to reason that no two of us will have exactly the same goals. One thing a goal must do, however, is fill us with positive emotion when we think about it. It must be something we want very much to bring about. The more intensely we feel about a goal, the more assuredly the idea buried deep in our subconscious will direct us along the path to its fulfillment.

I once used the quotation, "No one gets rich without enriching others." I received a letter from a man in Utah who wrote, "How about those who get rich in the drug trade or those who produce and sell pornography? How do they enrich others?" It was a good question, especially in these times. I wrote back to him and told him that my definition of success is the progressive realization of a worthy goal. Certainly people in the drug and pornography business will not qualify as successful. What they're doing is counterproductive and destructive and involves, in the case of drugs, the enslavement and death of thousands.

And I went on to say that while our needs are few and relatively simple, our wants, in this incredibly affluent society, are virtually endless. By meeting those wants, whatever they may be, we serve others, not always for their benefit, nor to our own, nor would I call those in drugs and pornography successful, nor do their riches amount to much if they're apprehended and sent to prison. But I did stop using that quotation. It is possible to get rich without enriching others. But for most of us, it's not the way we want to go.

It's nothing to take pride in. Why bother when there are so many positive, excellent, and productive ways to serve others. But whatever our goal happens to be, if we stay with it, if we're fully committed to it, we'll reach it. That's the way it works.

It's estimated that about 5% of the population achieves unusual success. For the rest, averages seem to be good enough. Most seem to just drift along, taking circumstances as they come, and perhaps hoping from time to time that things will get better.

I like to compare human beings to ships, as Carlyle used to do. It's estimated that about 95% can be compared to ships without rudders. Subject to every shift of wind and tide, they're helplessly adrift, and while they fondly hope that they will one day drift into some rich and bustling port, you and I know that for every narrow harbor entrance, there are 1,000 miles of rocky coastline. The chances of their drifting into port are 1,000 to 1 against them. Our state lotteries wax rich on such people; so do the slot machines in Las Vegas and Atlantic City. They look to luck but don't seem to realize how steeply the odds are stacked against them. Someone wins from time to time to be sure, but the odds are still there.

But the 5% who have taken the time and exercised the discipline to climb into the driver's seat of their lives, who've decided upon a challenging goal to reach and have fully committed themselves to reaching it, sail straight and far across the deep oceans of life, reaching one port after another and accomplishing more in just a few years than the rest accomplish in a lifetime.

If you should visit a ship in port and ask the captain for his next port of call, he'll tell you in a single sentence. Even though the captain cannot see his port, his destination for fully 99% of the voyage, he knows it's there. And then, barring an unforeseen and highly unlikely catastrophe, he'll reach it. All he has to do is keep doing certain things every day.

If someone asks you for your next port of call, your goal, could you tell him or her? Is your goal clean and concise in your mind? Do you have it written down? It's a good idea. We need reminding, reinforcement. If you can get a picture of your goal and stick it to your bathroom mirror, it's an excellent idea to do so. Thousands of successful people carry their goals written on a card in their wallets or purses.

When we ask people what they're working for, chances are they'll answer in vague generalities. They might say, "Oh, good health" or "happiness" or "lots of money." That's not good. Good health should be a universal goal. We all want that, and should do our best to achieve and maintain it. But happiness is a byproduct of something else. And lots of money is much too vague. It might work, but I think it's better to choose a particular sum of money. The better, the clearer our goal is defined, the more real it becomes to us, and before long, the more attainable.

Happiness comes from the direction in which we're moving. Children are happier on Christmas morning before opening their presents than they are Christmas afternoon. No matter how wonderful their presents may be, it's after Christmas. They'll enjoy their gift, to be sure, but we often find them querulous and irritable Christmas afternoon. We're happier on our way out to dinner than we are on the way home. We're happier going on vacation than we are coming home from it. And we're happier moving toward our goals than even after they've been accomplished, believe it or not.

That's why it's so important to set new goals as soon as the current one is realized. And we should never stop this process. All the days of our lives we should be engaged in moving toward, earning, and looking forward to a new plateau on which to stand, a new goal to accomplish.

If you, like so many Americans, don't know what it is you want sufficiently to name as your primary goal, I recommend you make out a want list. Take a note pad, go off by yourself, and write down the things you'd really like to have very much or do. One might be a beautiful new home or a trip around the world, a visit to some special country or place. It might be a yearning for a sailboat or motor yacht, or if you're an avid fisherman, you might want to go salmon fishing in Alaska or trout fishing in New Zealand. It might be a business of your own or a particular position with your company. It might be a certain income that will permit you to live the way you'd like to live. It might be a certain city or town where you'd like to live. Just write down everything you can think of that you would really like to see come about in your life. Then when you've exhausted your wants, go over the list again and number the items in the order of their importance and make number one your present goal.

Do this until it become a habit and a knit way of thinking and doing things. Believe me, the system works; it works every time. Life plays no favorites. If anyone can succeed, and millions do, so can you. Of one thing you may be sure, you will become what you think about. If your thinking is circular and chaotic, your life will reflect that chaos. But if your thinking is orderly and clear, if you have a goal that's important for you to reach, then reach it you will. Take one goal at a time. That's important. That's where most people unwittingly make their mistake. They don't concentrate on a single goal long enough to reach it before they're off on another track, then another, with the result that they achieve nothing — nothing but confusion and excuses.

I started looking for the so-called secret of success when I was 12 years old. I read every book I could find on the subject. I studied psychology and sociology. I studied the great religions of the world, and I read the world's greatest philosophers. And all of a sudden, many years later, I realized that in the hundreds of lives I'd studied, in the countless books I'd read, a plain and simple truth had kept appearing. It's believed that no one can learn anything until he or she is ready for it. And apparently I was finally ready in my late 20s to finally see for the first time the secret I had searched for for so long. It was simply this: We become what we think about.

You see, you are at this moment the living embodiment of the sum total of your thoughts to this point in your life. You can be nothing else. Similarly, five years from now, you'll be the sum total of your thoughts to that point in time. But you can control your thoughts. You can decide upon that on which you wish to concentrate, about what you think about from this point forward, and you will become that, you will realize that goal is yours, anything on earth can be sure. That's why having a goal toward which to work is so very important; it gives our minds a focus and our lives direction.

By thinking every morning, every night, and as many times during the day as you can about this exciting single goal we've established for ourselves, we actually begin moving toward it and bringing it toward us. When we concentrate our thinking, it's like taking a river that's twisting and turning and meandering all over the countryside and putting it into a straight, smooth channel. Now it has power, direction, economy, speed, several billions of human beings would give anything they have to enjoy the freedom and personal liberty you and I take for granted — to have the right to choose their work and their goals, to enjoy our bountiful standard of living, our educational system. To know the peace and privacy of our homes and have laws which protect the citizen rather than persecute him.

We have it all. Yet in the midst of our plenty, millions lead unhappy, aimless lives. They live in tiny prisons of their own fashioning. These are the people who don't know that each of us, each one of us, not the economy or fate or luck or the breaks, each one of us is in charge of his or her own life. Each one of us is completely responsible.

As Carlyle put it, "The person without a purpose is like a ship without a rudder. Have a purpose in life. And having it, throw such strength of mind and muscle into your work as God has given you." He also said, "A person with a half volition goes backward and forward and makes no way on the smoothest road. But the person with a whole volition advances on the roughest and will reach his or her purpose if there be even a little wisdom in it."

So decide upon your goal. Insist upon it. Look at your goal card every morning and night and as many times during the day as you conveniently can. By so doing, you will insinuate your goal into your subconscious mind. You'll see yourself as having already attained your goal. And do that every day without fail, and it will become a habit before you realize it. A habit that will take you from one success to another all the years of your life. For that is the secret of success, the door to everything you will ever have or be.

You are now and you most certainly will become what you think about.

Wednesday, April 8, 2009

Why the Cheap Will Never Get Rich by Robert Kiyosaki

The other day a friend of mine approached me excitedly, saying, "I found the house of my dreams. It's in foreclosure and the bank will sell it to me for a great price."

"How good is the price?" I asked.

"Just before the real estate market crashed, the seller was asking $780,000 for the property. Today, I can buy it from the bank for $215,000. What do you think?" she asked.

"How would I know?" I replied. "All you've given me is the price."

"Yes!" she squealed. "Now my husband and I can afford it."

"Only cheap people buy on price," I replied. "Just because something is cheap doesn't mean it's worth the cost."

I then explained to her one of my most basic money principles: I buy value. I will pay more for value. If I don't like the price, I simply pass. If the seller wants to sell, he will come back with a better price. I let him tell me what he will accept. I know some people love to haggle; personally, I don't. If a person wants to sell, they will sell. If I feel what I am buying is of value, I'll pay the price. Value rather than price has made me rich.

Against my advice, my friend sought financing for her "dream" home.

Fortunately, the bank turned her down. The house was on a busy street in a deteriorating neighborhood. The high school four blocks away was one of the most dangerous schools in the city. Her son and daughter would either have to go to private school or take karate lessons. She is now looking for a cheaper house to buy and has asked her father, who is retired, for help with the down payment. If her past is a crystal ball to her future, she will likely always be cheap and poor, even though she is a good, kind, educated, hard-working person.

My Point of View

What follows are some thoughts on why my friend will probably never get ahead financially -- especially in this market.

1. She and her husband have college degrees but zero financial education. Even worse, neither plans to attend any investment classes. Choosing to remain financially uneducated has caused them to miss out on the greatest bull and bear markets in history. As my rich dad often said, "What you don't know keeps you poor."

2. She is too emotional. In the world of money and investing, you must learn to control your emotions. When you think about it, three of our biggest financial decisions in life are made at times of peak emotional excitement: deciding to get married, buying a home, and having kids.

My dad often said, "High emotions, low intelligence." To be rich, you need to see the good and the bad, the short- and long-term consequences of your decisions. Obviously, this is easier said than done, but it's key to building wealth.

3. She doesn't know the difference between advice from rich people and advice from sales people. Most people get their financial advice from the latter -- people who profit even if you lose. One reason why financial education is so important is because it helps you know the difference between good and bad advice.

As the current crisis demonstrates, our schools teach very little about money management. Millions of people are living in fear because they followed conventional wisdom: Go to school, get a job, work hard, save money, buy a house, get out of debt, and invest for the long term in a well-diversified portfolio of mutual funds. Many people who followed this financial prescription are not sleeping at night. They need a new plan. Had they sought out a little financial education, they might not be entangled in this mess.

A Thank You to Jon Stewart

Speaking of finance experts, I personally want to thank Jon Stewart of 'The Daily Show' for taking on Jim Cramer and CNBC. Jon Stewart did an incredible job of representing the millions of people all over the world who have lost their savings in the market. He was right in saying he thought it "disingenuous" to advise people to invest for the long term through their retirement plans while knowing full well that traders could steal Americans' retirement money by trading in and out of the market. Most traders like Cramer realize that investing in mutual funds for the long term is financial suicide. Cramer should have spoken up, but we all know why CNBC won't let him tell the truth. If he did, the station's advertisers would leave.

While I applaud Cramer for going on 'The Daily Show' and facing the music, I'm afraid he was marginalized by Stewart -- certainly outgunned -- and he has lost his credibility. He may pay an even bigger price if the SEC decides to dig deeper.

Jim Cramer is a very smart man. I watch his show. I just do not follow his advice.

In closing, I will say what I have said for years: We need financial education in our schools. Without it, we cannot tell the good advice from the bad.