We ALL have rough patches in life; times when the sun doesn’t shine, but is putting a serious Success Burn on your friends, family and others you know. Let me tell you, THIS IS VERY NORMAL. Expect it to happen.
I know first had. I’ve experienced some very. VERY DARK DAYS. I wrote about some of them in the Amazon Book “Your Time is Now” I co-authored with best-selling author, Greg S. Reid, who’s associated with the Napoleon Hill Foundation and author of “Three Feet From Gold”.
There are only 2 ways to deal with setbacks:
DO YOU HAVE A MENTOR?
John Lennon and Paul McCartney got it right when they wrote “I’ll get by with a little help from my friends”. To see an original Sargent Pepper era video of Ringo, John and Paul singing this song, click the picture.
You, me, everyone, needs friend and Mentor that will help us get to that Champion State of mind when we've been sacked one too many times in Life.If you need help now, it’s FREE and Happening this Tuesday 1/16/18 in Orland Park as part of the BUILDING HOPE FOR THE FUTURE HOPE, 2018 monthly speaker series. These are monthly talks, sponsored by local professionals such as myself, that focus on Life issues, work, family, relationships, divorce, your finances. It's our way to give back to the Community we call home.
To find out more about this community focused effort click the logo below.
For event info, time & place, and to register for this FREE motivational session designed to jump start your Champion Spirit – CLICK HERE and remember it’s Absolutely FREE.If you live in the Orland Park, or surrounding area, and need help with a Life Goal or Challenge, the like minded sponsors' of Building Hope are good people to call.
YOU’RE PUTTING THE CART BEFORE THE HORSE
You’re simply failing to pay yourself first. But if you don’t have enough money, how can you pay yourself first? This is sounding a bit like a Pink Floyd Song Lyric.
Here’s the point. Without a deliberate and consistent approach to savings, (weight loss, exercise, organization etc.) it will never happen. With any extra money, you will always be able to find a need (Really a WANT) that will consume any money available and then some (this is called Credit Card Debt…a financial Cancer).
So for 2018 take a different approach be CONSISTENT and DELIBERATE with your Savings. Map out your 2018 Savings Strategy. While it would be nice to save a big pile of money in the next 365 days, the likelihood of achieving this goal are very small. Focus on smaller goals; be deliberate and self-acknowledge your progress. Small changes can have big effects over time; this is the basic principal of compounded interest which all investment strategies are based on.
COMPOUND YOUR EFFORTS FOR BIG PERSONAL RETURNS
Here are 5 simple Hacks that you can use improve your wealth position in 2018
It’s easy to write your goals; it’s difficult to make them happen. Constantly remind yourself why you are doing this. Monitor your savings. It’s easier to stay engaged when you can see and measure the results of your efforts. Small changes produce big results.
Your Internet Freedom was restricted this week when the FCC voted along party lines to vacate the Obama era law that required internet providers like Comcast, Direct TV etc. to deliver ALL content without bias. Said another way, they were not allowed to decide who’s content they will intentionally slow down. NOW THEY CAN AND WILL!
What do you suppose companies like BIG ONLINE BANKS would do to insure their content gets delivered FAST! If you say PAY Google and COMCAST Money, YOU ARE CORRECT!
Ajit Pai, the FCC Chairman (click 4 his background) led the revocation battle like a Darth Vader wanna-be. Clearly this favors BIG search engines and internet providers who now have a new opportunity for a VERY LUCRATIVE income stream. The flip side is that YOU, the consumer, is going to search a lot harder and longer to find smaller vendors offering BETTER CONSUMER OPTIONS; vendors who do not have the resources to compete financially. In essence, this policy will guaranty the wealthiest companies will always come in first place. It's like the NY Yankee Dream has come true "for Big Companies" and the FCC made this all happen just in time for Christmas!
Today REALTOR MAGAZINE released an article that dives into this subject and the consequences you as a consumer will experience. They say:
“The FCC’s rollback of the Open Internet Order will mean higher costs and slower service for millions of American consumers and businesses,” Elizabeth Mendenhall, president of the National Association of REALTORS®", said in a statement Thursday. (Click to Read)
As this practice rolls out, you’re going to get some idea of what the Internet browsing experience in nations where the citizens don’t enjoy the benefits of the 1st Amendment. I feel this policy violates the 1st Amendment rights of small businesses and Entrepreneurs. What do you think?
I get it YOU'RE PISSED OFF. We feel like our lives have been put on hold
and we’re just marking time. You don’t have
money to (pick one):
We all feel a little abandoned and betrayed. WHY?
Let’s do a quick look back. In
2005 – 2012 we had a financial crisis second only to the Great Depression. Millions of peoples’ lives were ruined and
millions more suffered Huge financial setbacks.
We spent 8 Very Long Years trying to right the ship. We were weary of 8 years or contentious
fighting in Washington where nothing was getting done because of Partisan
Bickering. So we elected a Republican
Senate and House. We expected the Prosperity Train to proceed FULL Speed Ahead and make our Lives (Yours, mine, Everybody's life) Great Again.
WHY IS THAT NOT HAPPENING?
Here’s the SMOKING GUNs! a deliberate, strategic and systematic social media attach to divide us by race, guns, and women's rights. The proliferation of nationwide "News" networks (click to see) accused of biased reporting driven by the political agendas of the ultra wealthy who own them (Koch brother added Time Magazine to their collection last week) rather than reporting factual new; and then there's CITIZEN’S UNITED. (put em together All voting demographic groups are covered... Millennials to Seniors).
When the Supreme Court allowed Corporations to make
unlimited contributions to Political Candidates, MANY ( A Real Lot) Elected
Officials demoted You, the Voter, to the Red Headed Stepchild. You were important enough to be patronized,
but clearly the powers to answer to were those supplying the MONEY. As a result we as Americans overpay for
Prescription Drugs because Medicare can’t negotiate with Drug Companies. WHY?
Is this in your best interest? Did they ask your opinion? I
don’t think so. But Lawmakers, urged by
BIG MONEY from the Pharmaceutical Industry, created THE LAW that Makes YOU PAY
MORE FOR PRESCRIPTIONS & HEALTH INSURANCE. Dig a little deeper into your pocket. Deeper than the citizens of Canada, Cuba, Europe and the rest of the World for the same exact drug. You / Your Children are paying interest
rates on Student Debt that is 200% more than current mortgage rates. If an educated America is good for Our Country
and Good for us all, why are lawmakers penalizing those entering the workforce
with high cost debt that will take decades to payoff. BIG BANKS have powerful lobbyist and have financially enslaved our youth with High Cost Student Debt that benefits these banks, their execs, and their BIG stockholders. There is no way for these kids to get low cost loans or get rid of the debt; SLAVERY IS ALIVE AND WELL IN AMERICA...Financial Slavery!
So what the average Joe and Jane to do? Here’s my suggestions:
To see the letter I wrote to My Congressman CLICK HERE and
then write one to Yours
TO Find out how to contact your Senator and Rep – CLICK HERE
According to the Federal Reserve the GDP of the USA is
sufficient enough for ALL AMERICANS to have a healthy and prosperous life…If it’s
split up fairly. I did not say equally,
Technology has accelerated the concentration of Wealth at
THE TOP and made it very difficult for the little guy to get a foothold. Just look at all the online businesses that
flash and then disappear. Look in your
own neighborhood at the void of small businesses in the local mall.
Work with me and you'll know Your Options and you'll be able to bring A LOT Less $ to Closing?
An EPIC Tax bill, the size of Hurricane Harvey, is swirling around Washington. The Talking Heads, especially Our President is saying this tax bill will be Great For YOU and Great forAmerica.
The New York Times did an analysis based on a 25,000 taxpayer sample. To read the article CLICK HERE. The NY Times analysis tells a different story. If you live in a high tax like New York, New Jersey, Illinois, California, Oregon and Washington (the business hubs of our country, where a Lot of Americans live, work & pay taxes) this bill is a BAD DEAL. You will no longer be able to deduct your Real Estate Taxes. Your Federal Taxes will increase: Property Taxes Paid x (Federal Tax Rate + State Tax Rate) = Tax Increase
Example: $7,000 Real Estate Taxes, 28% Federal Tax Rate, 4% State Tax Rate
$7,000 x (.28 + .04) = $2,240 More Taxes you’ll pay for the loss of this deduction
The President is selling this tax plan as a Tax Cut for the Average is American. There is No average America. As with all tax matters, your financial situation is noticeably different from your other family members, your neighbors, your boss and the other people you meet on a daily basis. But I can say this tax bill will result in less spending money in your pocket starting New Years day, just 31 days from Now!
Here’s my take:
The Wealthy, I’m talking about the SUPER RICH like our President, the Koch Brothers and the Big Bank and Corporate CEOs are getting a TAX Windfall.
Our deficit is anticipated to increase by $1.4 TRILLION (that's a lot of cups of Starbucks!) This is basically putting the Country's operating expenses on you, the taxpayer’s Credit Card.
All Corporations have big tax departments who’s sole purpose is to reduce or eliminate corporate taxes. Reducing the corporate tax rate to 20% and not removing all the sacred cow corporate deductions will result in many corporations paying ZERO Federal Taxes.
I can’t emphasize enough what a bad deal this is for ALL working Americans (both Republicans and Democrats). It will make the Rich Richer and the rest of America POORER.
It’s logical to ask Why did this happen? I believe all trails lead back to the Supreme Court’s CITIZENS UNITED case. It took all limits off what corporations (Koch Brothers, Big Banks, Big Companies, Wealthy Foreign Nationals) can contribute to our political elections.
Remember the Golden Rule: “He who holds the Gold, MAKES THE RULES”. While we may elect our Senators and Representatives, most of them answer to those that fund their campaigns and keep them in office and that’s not you and me.
If this post struck a nerve, get involved. Email and call your elected politicians, especially the Republicans and let them know you’re watching and you don’t support the Tax Bill. Share this post. We're all in this together.
If You Need a Mortgage and want to know how you can Bring A LOT Less to Closing? I work for You.
If You want to know Your Option and how you can Bring A LOT Less to Closing?
WANT TO BUY A HOME, BUT CREDIT CARD DEBT IS HOLDING YOUR BACK?
When I write Your Mortgage, I wrap it around YOU Like a WARM “FINANCIAL” SECURITY BLANKET. You get a GREAT RATE, LOW Payment & Bring a LOT LESS MONEY to Closing so you can use the extra money to get rid of your Credit Cards.
A MORTGAGE DONE WRONG …gets you a low rate, but YOU'LL HAVE TO bring a LOT More Money to Closing, Money that you could of used to payoff that cancerous Credit Card Debt.
You want to know Your Option and how you can Bring A LOT Less to Closing?
This is my 2 Yr. old Grandson (Cute...Right?) eating cake on the leather ottoman just minutes before Momma swept him up and put him in bed for eating cake on the leather ottoman.
He cried briefly and then declared “I’m Ready to be a GOOD LISTENER”. Those Magic Words got him out of his bed and back into the party Fast.
We are involved on conversation each day. When you’re in the those conversations are you being a Good Listener?
Do you listen to formulate your response, because after all, YOU ARE RIGHT AND YOU KNOW IT.
Sometimes it OK to listen this way. Like when you’re checking out at the super market; “Paper or Plastic?” However, most times it is not.
The National Association of Realtors Convention this year in in Chicago and last night I was at an event at the Hard Rock Café when I got to hear Juliana Rancic speak about people she's had the opportunity to interview. The standout interview she shared was with George Clooney. Juliana when on to say the when she spoke to George, he was present in the moment and listened to her questions. He responses were not “Elevator Speak” but rather thought out and relevant to the questions asked. This is an example of someone that is listening to understand.
DO YOU LISTEN TO UNDERSTAND?
Our day to day conversations are a lot more serious than Juliana interview questions; frequently they’re about your life... your relationship... YOUR FUTURE. When you’re in these discussions are you most interested in defending your position? After all you own it and you need to defend it, even if it’s wrong.
IF YOU DO THIS, YOU ARE LISTENING TO RESPOND
At my stage of life I know this:
If there is an important discussion I’m having with my business partners or A client, I sometimes need to remind myself to set aside my opinion and solve for the optimal solution. Frequently I need to revise my plan as to how things should proceed. Sometimes it may take a little longer to accomplish our goal; but it gets accomplished.
When I’m ready to be a Good Listener, I stop marking time and get back into the Game of Life in a very rewarding way.
Have a Great Day and focus on how You can change life today by listening to understand?
DO YOU NEED HELP PICKING THE RIGHT MORTGAGE? I'M READY TO LISTEN.
A MORTGAGE DONE RIGHT … is like Wrapping YOURSELF in a WARM “FINANCIAL” SECURITY BLANKET. You get a GREAT RATE, LOW Payment & Bring a LOT LESS MONEY to Closing.
A MORTGAGE DONE WRONG …is like Putting a Very COLD “LOW RATE” KNIFE in YOUR BACK that will DRAIN YOU OFALL YOUR MONEY at closing.
You want to know more?
WHAT TYPE OF MORTGAGE DO YOU DESIRE?
A MORTGAGE DONE RIGHT … is like Wrapping YOURSELF in a WARM “FINANCIAL” SECURITY BLANKET. You get a GREAT RATE, LOW Payment & Bring a LOT LESS MONEY to Closing.
A MORTGAGE DONE WRONG …is like Putting a Very COLD “LOW RATE” KNIFE in YOUR BACK that will DRAIN YOU OF ALL YOUR MONEY at closing.
I have MANY Friends that are Millionaires. They’re self-made and they didn’t create a Killer App or product to make their fortune. They’re both entrepreneurs and corporate executives. As you look deeper as to why they are successful, you’ find there are TWO Common Traits ALL these people possess.
Let’s look at Dick Portillo, the founder of Portillo’s Restaurant Chain and a self-made Billionaire. Dick DID NOT come from Money. He attended Argo High School in Summit IL, a gritty blue collar town, the home of INGREDION, a Very Large corn processing plant. Summit has a unique smell that constantly reminds you where you are.
So how did Dick take a single, hotdog stand, he opened in 1963 and built it into a Billion Dollar enterprise? It started when Dick was 17 while in the Marines. That’s when his life changed. It was not the TOUGHNESS of the Marines that changed Dick; it was when a really tough 1st LT, named Barney Brause, brought home a lonely Dick Portillo with him for Thanksgiving Dinner. It was the respect that the 1st LT had for one of his men, Dick Portillo, which changed Dick’s life. You see the Marines believe that you can only lead if your men respect you. If you are a Marine Officer, YOU always let your men eat before you.
With our Super Connected World YOU may falsely believe its Money that is the super sauce that makes one successful. If you have enough money, you can buy whatever you want. When Dick Portillo had just one hotdog stand, it would be a real stretch to say he had money, yet he was able to parlay his vision into a Billion Dollar Industry and along the way buy all new windows for his Alma Mater Argo High School in Summit IL. Way to Go Dick! They Look GREAT.
So if it’s not money, what is the secret sauce? There are actually 2 components:1. RESPECT2) RELATIONSHIPS
I’m sure you’ve had a Boss or Teacher that stood out (in a Good Way) from the rest. What was it about that person that touched you? Why were you willing to go the extra mile when they were calling the shots? One of the reasons is they respected you. Did you always get it right? I’m sure not. But when you made a mistake, they were more interested in getting things back on track rather than nailing you to the cross. So the first principal is RESPECT. Respect others and treat them as you would like to be treated. There is nothing more destructive than a condescending attitude.
The second principal is RELATIONSHIPS. Successful people surround themselves with people that add intangible value. These are the employees, professionals and trades people that you can trust to do a good job and treat YOU fairly. I didn’t say “THE CHEAPEST”. I said “FAIRLY”. There is a big difference. If you are buying a commodity like gasoline, it makes sense to focus on price; gas is gas, despite what the oil companies want you to believe. When you are looking to purchase something that requires human judgement to affect the outcome such as a hotdog, fixing a plumbing leak, preparing a complicated tax return or getting a mortgage loan which compliments and supports your unique financial circumstances, you are not buying a commodity. You are buying the loyalty of that person with the respect you give them and by treating them fairly.
I hire a lot of contractors, just like Dick Portillo hired a lot of employees. Some last for a job, others have been with me for decades. Why? We treat each other with respect. I know they will do a great job and they know I’ll pay them promptly. I understand they have families to feed and they understand that I have a business to run.
Millionaires focus on building relationships, nurturing them through mutual respect and preserving them even when mistakes are made; we are all human. Here’s a classic example. My BEST All Time apartment cleaner is Krystyna (I wish I had 2 Krystyna’s!). Years ago, Krystyna cleaned the wrong vacant apartment, an apartment that was a mess. It was in the beginning stages of decorating and repair, instead of the one that was ready to be rented. I paid her 2 different times to clean the same apartment. Sure there was a mistake. Sure it cost me money, but Krystyna is still my cleaning ace. We both knew there was a mistake, but we focused on what needed to be done, rather than what went wrong and moved the ball forward.
So start thinking like a Millionaire. Stop re-inventing the wheel. Start building your team. If you need a mortgage, and need a great rate and a Mortgage Broker who cares about you and your family, give me a call. Cheers!
Get a Really Low Rate and a Mortgage which find out how you can reduce Credit Card & Student Debt at the sametime. MortgageSpot.NET Call Me 708.966.9005