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Entries for June, 2009

Financial Turnarounds – 7 Secrets

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I can give you the number one proven successful, guaranteed to work, secret to financial freedom!

Interested? Who wouldn’t be!

If you want long term personal financial freedom, you don’t have to read any more of my blog posts. You can skip the latest blockbuster book or seminar or web course. 

Tape this on your refrigerator and live by it every day.

Guaranteed to work. And best of all…. its FREE!

Do this and you are on your way to being the Millionaire Next Door, the Rich Dad, the Money Master,the …. OK, you get my point – here it is:

Spend less than you make and do it a long time!

That’s it! This never fails!

I can’t take credit for this tidbit of wisdom, it comes from my friend Ron Blue who has written best sellers and counseled thousands in ways to Master Their Money.

The trouble is we have all this stuff that gets in the way and we are not starting from a blank sheet of paper. Our personal novel already has several chapters written and the financial damsel is usually in distress, tied to a rail with the train barreling down the tracks.

So you are probably stuck with going through the Financial Turnarounds7 Secrets with me.


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The Power of a Positive Choice

While a little stressful to do something in front of people that you normally don’t do, my Father’s Day Message at our church proved to be a blessing.

I’ll boil the whole thing down into my central point:

We have an awesome power at our fingertips:

Our choices determine the outcomes in our lives, now and into eternity, either positive or negative.

(Sure some things happen to us we have no choice or control over,  but overwhelmingly the outcomes in our lives are based on our choices!)

We learned that God lets us be involved and choose what happens in our lives; blessings or curses.

Who in their right minds would choose curses?

We all do it every day by not using the Power of a Positive Choice in our lives.

God wants a personal relationship with us as our Heaavenly Father and the same is true for us Dads.

Making a Positive Choice requires right priorities.

God wants us to Choose His Presence (person) over His Presents (things).

The video attached is an example of my daughter’s family making this kind of positive choice. When I see something like this as DAD, it feels the same to me as the first time any of my children came running to me yelling Daddy, Daddy, Daddy. It warms my heart and delights my soul (the same way God feels when we go to Him!)

Then…

I shared one small example from my own life. My dad was much older when I was born. He was a product of his generation; the great depression and both World Wars. He never had any kind of emotional relationship with me and actually called me, “Big Dummy.” In 4 years of college I never got a letter, visit or even a phone call from either of my parents. This left scars I carried around for many years (maybe still do).

But when I was in my forties (my Dad died when I was about 30) my older sister said, “Do you realize how proud Dad was of you? He talked about you all the time!”

No, I didn’t realize that! And in fact felt just the opposite.

But my feelings were wrong! And I chose a curse instead of a blessing by not making a Positive Choice to believe in how God makes a Fathers heart toward their children instead of just listening to words and filtering circumstances through my own imperfect and self centered view.

Last week I had two different people share their life stories with me. One was abandoned at birth by their Dad and another a young lady told by her Dad at 15 he wanted nothing to do with her. In both cases The Power of a Positive Choice by these two people, resulted in blessings in their lives!

As a Dad myself, I now know better the heart of a Dad toward their children and how we may fail and even some of us may fail really bad. But I choose now to believe my own Dad loved me and really wanted what was best for me. What a blessing!

So we concluded with a time for all of us to make a Positive Choice and not ascribe wrong motives to our own Dads and if necessary to forgive our Dads for the things they did to harm and scar us.

And then Choose their Presence (person) over their Presents (things).

That is where the Power of a Positive Choice intersects with Blessings!

(I’ll make the message available online when I get a copy of it.)


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Financial Turnaround- 7 Secrets to Financial Freedom…

 The Great American Spending Spree is Dead!

You need to look at this…

                                         1986              1996              2006

US Savings Rate                  8.2%              4.0%              0.4%

We have been spending at an unsustainable rate. The average American household has $10,000 of credit card debt on 9 different credit cards. The typical American family spends 110% of what they make! The current economic crisis has ruined the retirement prospects of millions of Baby Boomers, eliminating billions of dollars of wealth almost overnight.

If you are like me your school did not train you on how to manage your money. It was never discussed at home, except how much you got for an allowance or overhearing your parents argue about money troubles. Now money troubles are following you. Perhaps they have gone from lurking eerily around the dark corners to actively sucking your lifeblood dry.

More marriage troubles are caused by money problems than any other issue. Money is at the root of all sorts of stress, fear and depression.

But you can discover the powerful secrets to financial success and financial freedom!

1. Discover the power of ZBB

2. No Target = Failure

3. You must Master your cash or be Enslaved to your debt- The Best Budgeting System ever devised

4. Forsake consumer debt- credit cards to cars

5. Save for major purchase in advance and live in a completely paid for home

6. Build your own Personal Brand

7. Recruit the Magic of Compounding- Investment returns for yourself and others

More will be coming on each of these secrets and how to implement them successfully into your financial future.


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Proven Method to Turnaround-Get Out of Debt and Reach Financial Independence

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Are credit cards and other debts eating up your hard earned money and creating unbearable stress in your life?

Need a TURNAROUND!

Although my career has been in business finance and management, I found the principles I used to turn troubled companies around to be just as successful in turning personal finances around.

I have read many books on personal finance and have taught seminars and even done one on one financial counseling though our church with couples. In all the materials I have seen, none give this next foundational secret to solving every financial problem. It has never failed with scores of families (and several companies)!

So what is this secret principle?

Change what you are paying attention to!

Huh?

Yep! Change what you are paying attention to!

Here is what I mean.

Financial problems are always made up of many smaller problems. These probelms accumulate over time and then all of a sudden seem to spring up from nowhere. But the “springing up” is just when the many small issues build up to a point that something breaks. A mortgage payment is missed, a surpise medical bill comes through, or a job is lost. Suddenly more and more bills can’t be paid and the phone starts to ring and collectors become more and more persistent.

The standard way to respond is to pay attention to the most intense collection process at the time. This may solve one problem but other new ones begin to form and fester. The cause of the problems in the first place has to been solved! Other old problems go from small problems to bigger and bigger ones. More new problems start.

Over time the total financial problem grows and grows and grows. This is the wrong way to solve any financial problem!

Paying attention to individual problems and responding to the ones with the most pressure at the time simply causes a Financial SNOWBALL to grow and begin rolling downhill. This Financial Snowball picks up speed and more small problems and its momentum gets faster and more powerful rolling down that hill.

So if this is the wrong way – what is the proven successful right way?

The right way to solve a personal (or business) financial problem is to draw a line in the sand and say “NO NEW PROBLEMS!”

Your time, attention and energy needs to be given totally to not creating any new problems.

In the financial arena the line is drawn in the sand and you create no new problems when you set up a ZERO BASED BUDGET (ZBB).”

You develop a ZBB when you reach a break even point on your bottom line so you are creating NO NEW DEBT.

Then you move the slope of your personal finances from downhill to a level slope. The ZBB is your line in the sand.

In the few weeks, I will go into more details about creating a ZBB and how this gets you out of debt at a surprisingly fast way.

Perhaps you or a friend could use some help in getting out of debt. Why not share this post with them and stay tuned for more help!


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Cell Phones ARE NOT Going To Be Open To Telemarketers!

dnclogo_small_regnowThere are currently many emails going around saying that cell phones will be subject to telemarketing calls.

THIS IS NOT TRUE!

I went to the FTC web site (http://www.ftc.gov/donotcall) and found the following message:

“Cell Phones
You may place your personal cell phone number on the National Do Not Call Registry. The registry has accepted cell phone numbers since it opened for registrations in June 2003. There is no deadline to register a home or cell phone number on the Registry.

You may have received an email telling you that your cell phone is about to be assaulted by telemarketing calls as a result of a new cell phone number database; however, that is not the case. Federal Communications Commission regulations prohibit telemarketers from using automated dialers to call cell phone numbers. “

On the otherhand – you can register your cell phone with the National Do Not Call Registry by dialing 1-888-382-1222. It is a FREE call and only takes a few seconds. You must make the call from the cell phone that you want to register.  Then you will be done and do not every have to worry about these type of emails again!

Or – You can choose to just ignore the email:-)


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My First EHow Article- Secrets They Don’t Want You To Know About Buying That Engagement Ring

I wrote my first EHow article this weekend. EHow is a web site that allows experts at anything to publish what they know about anything.

Read the entire article (and give it a good rating:-) here:

How to Buy An Engagement Ring? Six Secrets You Need to Know When You Buy Your Diamond

How to get the best deal on an engagement ring is something I am an expert at and so here are some questions answered by the article:

What they (the retail and online jewelry stores) DO NOT want you to know.

How You Can Get Bigger, Better for LESS!

How You Can Find Someone You Can Trust.

How Much Are They Really Marking Up Your Ring?

How Do You Know You Are Getting The Quality You Are Paying For.

The article also gives you some questions to ask- here are some of them:

Ask The Right Questions:
1. Do you sell only certified diamonds with a Diamond Grading Report from a reputable source?
These reports are prepared by independent, certified gemologists from laboratories around the world and can help calculate the specific characteristics of your diamonds. A diamond grading report will commonly include a plotted diagram of your diamond and all significant characteristics, including the 4C’s (cut, color, clarity, carat weight).
2. Will a trained and certified gemologist personally inspect each diamond to be sure I am not only getting what is being promoted but that it is a best value for me?
For this size of investment, you deserve personal service.
3. Can I get the Diamond Grading Report number laser inscribed on the girdle of the diamond?
This assures you always get back your stone when the ring is cleaned or repaired in the future, and that you actually got the stone you paid for in the first place.
4. Will you give me an independent appraisal?
You can use this for insurance purposes and is a good next step in your building trust.
5. Can I see copies of all the invoices so I know exactly how much you are making on my purchase?
Full Disclosure Pricing has hit the car industry, but this will be a hard yes to get. But WOW what a level of trust if you can!
6. Do you have a money back guarantee if I am not satisfied?
This should be a YES,
7. Can I get a custom stone and ring setting designed to my specifications?
For this size of purchase you deserve to get exactly what you want not just a ring out of someone’s inventory.

If you think the EHow article is helpful, please give it a good rating! 


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Fathers Day- Preview Daddy, Daddy, Daddy – The Power of a Positive Choice

God has given us an amazing power to make choices and to reap blessings as a result of those choices!

This is my closing video for my Father’s Day message next week at our church, New Hope Christian Fellowship (click on name for map). And my main point.

However, there is a lot More.  God has given me a very special message to fill in all the cracks that may be in our relationships with our Dads and with our Heavenly Father.

I will have the message recorded for those who can’t be there in person.

May God’s blessings flow out of your positive choices!


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My Utmost For HIs Highest by Oswald Chambers

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*****

This classic daily devotional has delighted Christians for a hundred plus years! And its revelations and wisdom never gets old.

Now technology helps me keep up on my daily reading, even when I am too rushed to read it during my morning quiet time.

You can get it delivered directly to your email each day and can therefore read it whenever you have a spare few minutes.

-/\/\—————————————————————–
\  /  MY UTMOST FOR HIS HIGHEST    —     http://www.heartlight.org/
–\/——————————————————————

God somehow in his Sovereignty knows just want I need each day to use in my circumstances and seems to be just what I needed for that day!

Here is what one review on Amazon says:

“these profound thoughts were given by Oswald Chambers while at the Bible Training College in England, during the years of 1911 through 1914, and after his death in 1917 (while serving in Egypt during World War I) were edited by his wife, and later updated into modern English by James Reimann, who says in his introduction that the book is the “culmination of approximately 1800 hours of research and editing”, and the end result are words that flow and feed and sometimes pierce the soul with remarkable accuracy, to remind one of the way Jesus intended us to live.”

If you read this in combination with your Bible- you will find its a real change agent in your life.


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Get Your OWN Name in Your Facebook URL – Only 1 Chance

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This opportunity will not come again!

Starting at 12:01 a.m. EDT on Saturday, June 13, you’ll be able to choose a username on a first-come, first-serve basis for your profile and the Facebook Pages that you administer by visiting www.facebook.com/username/. (That is a minute after midnight on Friday the 12th.)

You’ll also see a notice on your home page with instructions for obtaining your username at that time. Your new Facebook URL is like your personal destination, or home, on the Web. People can enter a Facebook username as a search term on Facebook or a popular search engine like Google, for example, which will make it much easier for people to find friends with common names. Your username will have the same privacy setting as your profile name in Search

From the beginning of Facebook, people have used their real names to share and connect with the people they know. This authenticity helps to create a trusted environment because you know the identity of the people and things on Facebook. The one place, though, where your identity wasn’t reflected was in the Web address for your profile or the Facebook Pages you administer. The URL was just a randomly assigned number like “id=592952074.” That soon will change.

Facebook usernames will make it easier for people to find and connect with you. When your friends, family members or co-workers visit your profile or Pages on Facebook, they will be able to enter your username as part of the URL in their browser. This way people will have an easy-to-remember way to find you.

So the ramdomly generated ID will be changed to your name (if you get in early enough.

http://www.facebook.com/profile.php?id=606955035

http://www.facebook.com/thomas,noon

So the race is on! See you at midnight.


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Best Success Advice I Can Think Of

Are you interested in Success in Life?

You can choose to have success.

At the risk of every other post on this blog being completely downhill, here is the BEST tidbit of advice I can think of. This is not some feel good psycho blabber, but rather good old meat and potatoes practical advice you can implement immediately!

Where there is UNITY God commands a blessing!

That’s it?

Yep!

First of all it sounds simplistic. That is because it is! If it were too complicated we’d never get it:-) It is a core principle stated in many ways throughout the whole bible. Unity is the basis of God himself as the Trinity. He says others will know Jesus is truly sent by God by our unity. He calls the church to oneness and unity. Families to unity. Men to unity with one another. So it is simple because it is a foundational principle.

And it works in business, family, friendships, church and on and on.

Plus, it is something we can choose. We choose how to take comments and discussions and what motives we ascribe to others.

This week at work I saw several instances of conflict between co- workers. Usually caused by poor communication and the poor communications were cause by people not trusting each other’s motives so taking offense when none was intended. Then conflict occurred that involved more people picking up offense for the original parties, and on and on.

But when all parties are pulling in unity – amazing things start to happen and the fruit is BLESSINGS.

So today- try this little test. Choose to ascribe good motives to everyone you come into contact with and see the results.


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