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From the CEO of CarbonCopyPROOver the last five years, JAY KUBASSEK went from selling mufflers at a Midas franchise to revolutionizing the internet based business industry with the 2007 launch of CarbonCopyPRO, an internet marketing education company, now worth over $20 million with customers in over 160 countries co-owned by his business partner, Aaron Parkinson; and the successful launch of his indie film production and distribution company Aliquot Films which is currently producing and distributing films with Spike Lee and Abel Ferrera (starring Ethan Hawke and Dennis Hopper.) Jay’s entrepreneurial spirit is irrepressible. At the age of 19 he was managing his family’s farm in Canada and speaking at innovative conferences about sustainable agriculture. He’s the owner of six companies, a professional speaker and trainer, international real estate developer/investor, extreme sport enthusiast and gear-head, emerging philanthropist, and member of the US National Elephant Polo team. 2008 represented a high-water mark in Jay’s oeuvre. In addition to the BiB launch, Chelsea on the Rocks, his first film, debuted at the 2008 Cannes Film Festival to solid reviews and opens in theaters this fall. He was a lead driver in the grueling 2008 Baja 1000 off-road race and unlike 85% of the drivers, actually finished the longest and most dangerous point to point off-road race in the world. And, in December of ‘08 his elephant polo team he won silver medal in the World Elephant Polo Association championships in southern Nepal. Jay’s drive to develop new business opportunities is matched only by his desire to give back to causes he believes in. The Name Campaign in Africa, The Children’s Institute for Autism, The Tracy McGrady Basketball Camp, Mount Sinai Juvenile Diabetes, and The National Breast Cancer Foundation are among the recipients of his philanthropic generosity. Jay Kubassek resides in NYC with his wife Jamie, son Milo and dog Cooper. Visit Jay's Official Website, facebook, twitter Entrepreneurial ObjectivityFor most of us, it’s obvious that the bulk of the decisions we make on a daily basis are based upon the summation of our previous experience. Then As entrepreneurs, we are consistently confronted with decisions, both minute and large in scope, that will severely affect our bottom line one way or another. These decisions usually carry with them some sort of emotional impact that is equally important (we are not robots after all…not yet at least), and making decisions that seem contrary to our emotional compass (outside our comfort zone) is a discipline that we all must cultivate. The nature of the entrepreneurial attitude puts us in unprecedented situations constantly. Sometimes I find myself so far out of my comfort zone it makes me sick to my stomach. Circumstances that I have no frame of reference or prior experience of. How do we make sound decisions in times like these…? What we must do mentally is not as difficult as it may seem. It simply requires us to embody an objective stance. A third party perspective so to speak. This does not mean that we divorce our prior experience and emotional compass from our decision making process. But we, as human beings, are highly capable of turning these situations into opportunities for mental growth. It simply requires us to stop projecting, or interjecting our personal bias, or past experiences upon the current dilemma. We must assess the situation logically and objectively, and then act accordingly with the best information on hand at the time. At that point you have to then trust that the best decision was made, and stick to your guns. This doesn’t require any special skills, or crazy amounts intelligence. We all have a natural intelligence within ourselves that is only hindered by, well, bad habits and programming. Bad habits can be changed. Many of us are introspective by nature anyway, but you must take the time to consciously make the habitual changes that you seek. This is hard work. Learning something new can seem daunting, but the reality is when you engage yourself mentally, you usually discover something you already know. 10% of Americans still think that the Earth is circled by the SunLast week marked the 400-year anniversary of Galileo presenting the telescope to the world. With a simple leather tube, and nine times the magnification, Galileo forever changed the modern world. His simple invention fundamentally rocked the authority of the Church, and the prevailing beliefs about the universe. A single act of foresight, and broad minded questioning, scientifically proved many of the accepted teachings and beliefs false. Arguably the most destructive, was the revelation that the Sun revolved around the Earth, instead of the opposite. The vision of one man, forever changed the perspective and trajectory of modern evolution and technology like no other. Sadly, according to recent survey, over 10% of Americans still think that the Earth is circled by the Sun. This I find to be incredibly sad. Ignorance, was a legitimate excuse 400 years ago. Literacy was a luxury, scientific revelations, or any progressive knowledge or shared understanding for that matter, was limited to the intellectual elite. These limitations have long since been eradicated. Today’s information age, the advent of the Internet, has made information more democratic and available than ever before, and continues to expand daily. We have a social, and civic responsibility, to ourselves, and to the world to continue to move this progress forward. Complacency kills, and ignorance is a cancer of the brain. Educate yourself, take action, and change your life. Opportunity lies abound everywhere for those who are looking for it. No Matter How Big, or Small.It was three nights ago, I couldn’t sleep, as is often the case on warm nights. New York in August feels like a wet blanket fresh out of the oven. It’s hard not to sweat just bending over. My fiancée had gone out to her parents for the night, and the quiet in the house was peaceful, but incomplete. Truth be told, I just can’t stand to be away from her. Television didn’t do it, 25 minutes of baseball highlights later, still restless. A few books I’m in the middle of didn’t provide any repose either. I wondered, why the unrest? An incessant pebble of anxiety was rolling like a marble through my stomach. It was 1:30am; I sat in my backyard trying to enjoy the serenity of the calm hot air, barely rustling a tree. How it came upon me, I’m still unsure now as I write this, but it did. It wasn’t rousing or electric, rather a subtle beckoning. “What can you do for someone else right now?” It’s a question we all would be well served to ask ourselves daily, if not hourly. But admittedly is difficult to do so consistently, sometimes even harder to remember, and yet even harder to execute with all of the daily demands and responsibilities we have. For whatever reason, it came to me then, and I set out to try and satisfy this late night necessity. I pondered for a couple minutes about what I could do. I realize now my thoughts immediately were inordinately large in scale. Donate to a couple of charities online, maybe try and structure a new non-profit, bring those older clothes in the hall closet to Goodwill maybe? Neither of these, or the 7 other “big” ideas I had seemed satisfactory. I decided then it’s never the scale of the action, it’s the intention. I threw on some shoes and left my house. I ran to the local bodega where the keeper has set up an elaborate, and noticeably ingenious, mini-fan situation keeping him cool behind the tiny counter. I asked for change for a $50 dollar bill and set back out into the balmy night. New York is a place of supreme opulence, the wealth that you see here at times is so staggering, it’s almost impossible to fathom. But what makes New York unique is amongst all of this privilege, often right on the street below a glass or brick tower of extreme abundance and luxury, sits heartbreaking poverty. In the summer the streets are littered with the sleeping less fortunate. Under bus stops and freight elevators, park benches and subway entrances. Every possession they own surrounding them like sentinels against the indifference of the city. I set off that night and placed a few dollars as close to every sleeping homeless person I saw, as I meandered through lower Manhattan. Each time, was a needed and humbling reminder of the living blessing most of us share in everyday. I had not walked more than ten blocks before I was out of cash. I got some more and continued on my trek. When I got home later, as the sun was beginning to peek over the east river and the day’s emails began to roll in, I sat thankful for lesson I had stumbled upon this sleepless night. We have an enormous opportunity, as human beings, to be a gift to each other. It doesn’t have to be money, I am lucky and grateful to help in that regard, but that is just one of a myriad amount of ways we can be a daily or hourly gift in the lives of others. It could be a supportive compliment at the end of an email, a quick text to let someone know you are thinking of them and hoping for their success, an extra minute or two of listening even when you are exhausted and crave nothing but ten minutes of silence. It could be simply holding the door open for someone or telling them they look nice that day. Let’s try to remember it matters not how big or small our actions are, it’s the intention that counts. The Urgency of ImportanceIn Stephen Covey's book “The Seven Habits of Highly Effective People” he talks about the difference between Important and Urgent matters, and how dividing our time in a balanced way between those two types of activities can make us more or less effective. A Social Media InfatuationAccording to Alexa.com, a staggering 17% of global Internet users now visit Facebook.com daily; up almost 25% in the last three months. The average user spends 25 minutes a day, and just last month, Facebook reached 200 million users. Soon after I joined Friendster in 2002, I moved to a new city, where I knew practically no one. I didn’t know where to go or what to do. I trolled Friendster for a few hours each day, examining the profiles of people in my area who seemed to share my personal interests. A little bit voyeuristic maybe, but helpful nonetheless. Since that initial foray into the social networking world, I’ve since joined Myspace and more recently Facebook. 200 million people don’t just sign up for something—and then stick with it for years—because it’s fashionable or cool – Facebook in particular is downright addictive, the newest sensation of the masses. MySpace and Facebook aren’t necessarily ways for you to meet new people. They’re ways for you to meet people you already know. Even if you’re in regular contact with a person, it’s possible to re-meet them in the land of Facebook. For example, you learn for the first time from their meticulously detailed profile, that they spent a college semester abroad in Mumbai. You learn, from one of their high school friend’s postings, that their high school nickname was “T-Bone.” Turns out you’ve been friends with a total stranger. Moreover, these networks are ways for you to meet yourself online. Facebook asks you things like “What’s on your mind?” which gets me thinking about what I’m actually doing right now. Typically, I don’t realize what I’m doing or thinking until I’m asked, at which point I’m compelled to think about it, even if the asker was in fact a social networking site. So, in a way, Facebook helps (forces?) me to come to grips with who I am, especially in those moments of caffeinated multi-tasking when I’m simultaneously checking email, reading news online, and visiting a number of my favorite websites. One casualty I have observed on sites like Facebook and MySpace is the prevalence of self-indulgence and misinformation. It becomes easy for members of these sites to basically invent things about themselves which simply serve to make them appear “cool”, “hip”; by referencing certain bands, books, whatever. It’s Web narcissism, essentially, a phenomenon that happens to be addressed very cleverly by the website Hedonism Chronicles (hedonismchronicles.blogspot.com). It goes deeper; too, analyzing why humans feel compelled to present themselves in an ideal way online. I mean, there’s obviously an evolutionary element here. Naturally we all want to make ourselves appear as attractive as possible. But it seems a different thing completely to go about present an idealized image of yourself on the Internet. You might call it cyber narcissism. As opposed to the regular narcissist, the cyber narcissist seems to be only pretending to adore himself. Their actual bodies aren’t involved in the presentation. In other words, it’s all pretend. And yet, even if it’s all pretend, I admit it’s kind of nice to hear what other people are pretending to do and think about. But for people who are surrounded by swarms of humanity, social media sites seem to provide a kind of comfort as well, just in the opposite way. Take the recent AT&T circuit board meltdown that occurred in Austin during South By Southwest, due to the ridiculous amount of Twittering and Facebooking going on. In a large group like that, everyone wants to separate themselves from the masses by Twittering themselves into a little bubble of elite knowledge and exclusivity. It’s human nature, which these sites seem to understand pretty well. I don’t hate Facebook. I’m also a willing participant who actually enjoys spending an hour or two once in a while poking around other people’s (pretend) lives. What’s next? Second Life becomes the real real-world? Only time will tell. Anyone can have a great idea, lots of them: million dollar ideas; ideas that will change their life; ideas that will change other people’s lives; ideas that will change the world. But any idea that stays on the chalkboard is worth only the chalk it's written with. What's missing for most people is decisive action and disciplined follow-through to take their ideas from concept to reality. Here is how I have turned a lot of my “million dollar ideas” into millions of dollars. Take some form of productive action daily. Be scrappy, resourceful and do it yourself. Don’t wait to take action until you have the perfect conditions. Seek guidance from people who already have the results you want. Put productivity over procedure. Comment and read more of Jay's postings on his official site. Putting Savvy Before Necessity by Jay KubassekWhen put to the test, people are endlessly adaptive, inventive, cunning and resilient. These are some of the qualities that have helped us survive eons of changing, challenging conditions to emerge as the dominant species on the planet. We share many of these qualities with other creatures. I recently read about a chimp in an outdoor zoo that doesn’t like being gawked at, so overnight he gathers piles of rocks and places them, strategically, around his pen to hurl at visitors when they arrive. Luckily, chimps only know how to throw underhand. There’s an extra quality that humans have. Call it savvy. If the chimp had it, he might build a pile of rocks big enough to climb out of his predicament. Which brings me to the predicament we all find ourselves in, one way or another: the recession. According to a New York Times article, economists who have tracked trends in previous recessions found that when the economy turns down and jobs disappear, more entrepreneurial businesses spring up. In other words, when people are forced to stop working for someone else, they figure out how to make money for themselves. The ability to reinvent ourselves is in each of us. It’s part of human nature. But why wait until you are forced to dig deep before you find the motivation to become an entrepreneur? Why not be proactive? Why not gather some rocks ahead of time and work toward building a castle where you can live happily ever after? You are probably familiar with the expression “The best time to look for a job is when you already have one.” Well, that’s also a good time to launch your own business. When there’s no pressure. But if you are out of a job, don’t despair. It’s always a good time to become an entrepreneur. The Internet has created countless opportunities for “virtual” businesses, particularly over the last five years with so many people shopping, meeting and communicating online – the mass embrace of Web 2.0 social media. There are literally millions of business opportunities online if you know where to look and how to develop them…or if you simply connect with someone who can show you the ropes. The Internet has become a multi-purpose business tool that brings individual entrepreneurs together with entire common-interest communities to provide vast resources for business leads and clients, connections to partners, suppliers, product delivery systems, support networks and on-demand, quality training from successful professionals. Why go through the pains of starting a brick-and-mortar business, complete with overhead costs, employee headaches, etc.? You can find a way to turn your passion into a business – without searching for a job that ultimately may or may not do it for you – by using the power of the Internet and social media. Don’t worry if you can’t identify a passion as the basis for your business. There are so many options out there. And you can let your entrepreneurial drive be your passion. I’ve talked with so many people who have lost a job (unfortunately), and one of the most frequent comments I hear from them is that when you lose a job you also lose a ready-made social network. To prevent isolation from setting in, one of the ways people stay connected with the world and with each other is through the Internet. What I have discovered (and helped to create) is a network of committed entrepreneurs. Each of them knows that by helping him or herself they help each other. Before the recession affects us any more than it already has, let savvy, rather than necessity, be the mother of invention. Let’s see how many small businesses that we, as entrepreneurs, can build, and how quickly we can climb out of this predicament. Comment and read more of Jay's postings on his official site.
I just looked up inertia on Wikipedia: "... the resistance of an object
to a change in its state of motion [...] inertia means that an object
will always continue moving at its current speed and in its current
direction until some force causes its speed or direction to change."
Inertia is everywhere, in all physical objects and in every one of us. This is not necessarily a bad thing. For a long time I relied on inertia to get me going in the morning so I could get to the job where I earned enough to get through the day so I could get up the next day and do the same thing, again and again, day after day. Even though in my daydreams of wealth and generosity that wasn't exactly what I pictured my life to be, I accepted it. Routine can become comfortable. It's common to develop a kind of psychological inertia, to know what to expect, to go along doing your thing, surviving. Whatever path you are on, you can become driven by inertia...right up until you get that gnawing feeling that you're going nowhere fast. In that case, guess what? You are. That's inertia for you. But, if you have ambitions, things you want to learn about, places you want to go, people to meet, a sense that you want to be part of a greater good, a desire to earn more money, well, then inertia becomes a force you have to overcome. Going back to our definition of inertia, changing a body's direction or speed (or both) requires an outside force. When it comes to people and inertia, however, that force can also emerge from within. It starts with a desire but also requires making a decision and following it with action. It sounds simple, and it is. But simple doesn’t equal easy. You may have the desire to change but not the will. That's no longer inertia at work. That's something called laziness: perhaps the single greatest obstacle to achieving your goals. That's when coasting is no longer passive and has become an active form of resistance to change. To put it bluntly, you can't be lazy and successful. Lazy entrepreneurs are the 90% who fail. Spend some quality time with yourself. Listen to your heart. Figure out the top five things that you know you can change to take your income to the next level. (You will know what they are because you know yourself better than anyone else.) No matter how difficult or challenging they may seem, put them on the list. The more resistant you are to completing a task, the higher up on your list it should go. Work on each of the five every day until they are completed. And, if working on these things means getting help, seek it out. Talk to an expert. Get an education. The responsibility is yours. Just remember, inertia is at your side whether you like it or not. Comment and read more of Jay's postings on his official site. I Can't Wait To Be Old by Jay KubassekWhen I was twenty-two, I dated a girl (let’s call her Rebecca) who used to say, “I can’t wait till I’m old!” She was 23, beautiful, witty, extremely well read. She had what seemed like two-dozen close friends who adored her, compared to my two or three who frequently questioned my morals. She wasn’t running away from anything, wasn’t an alcoholic, had a bunch of bright career prospects. And yet the girl wanted to be 60. At first I thought she was kidding, or simply romanticizing old age as a place of relative calm and invincibility. (People are much less likely to break your heart at 60 than at 23, for instance.) But lately I’ve realized that, even at 23, she must have felt her youth slipping away, pummeled as women (and men) are by images of the teenage ideal in magazines, TV commercials, and ads. She foresaw losing her looks through her late twenties and thirties. And she just wanted to be spared the agony. Now that ten years have passed, her desire to be suddenly old makes sense, in a way. I find myself frowning at gray hairs in the mirror, and lie to myself by attributing them to stress instead of age. Maybe it would be nicer to just zip to 60, and spare myself the slow decline? When I was 22, though, I didn’t share this sentiment. I didn’t want to be 60! I wanted to be 22! At that age no one judges you on your accomplishments, since you haven’t had much opportunity to live. They only see your “promise.” Everything is ahead of you. Moreover, you are not yet to blame for how your life has turned out. Other people are guilty for that (parents, teachers, etc). You’re innocent. But the fact that America worships such innocent young people—aimless kids who have yet to be tested or to prove themselves in life—seems to me a fairly dismal state of affairs. Obviously it’s about looks. Young people look better on stage than old people. They look better on camera than old people. But when looks become a reason for us to read a book or listen to an album, for example, society is in trouble. Recently, I read an article explaining how fed up established authors are with the comparatively huge advances first time novelists receive. Just because they’re young! And their book jacket photo is cute, or sexy. Americans are buying these books, the older novelists say, simply in order to live vicariously through a young, sexy novelist. In truth, the book may have no substance at all, no wisdom, only the residue of a cute young person’s experience in the world. But Americans are becoming so youth-obsessed that getting a glimpse of what it’s like to be young today is enough, and more valuable than living through the mind of someone who has seen and experienced hardship, and navigated his or her way through it. Maybe it was John Updike’s death that got me thinking in this slightly morbid vein. Which then got me thinking about Philip Roth’s inevitable demise, and how strange it is that such a vigorous man as Roth, so full of life and sexual potency, could possibly die. I’m sure he’s as amazed as anyone. As he himself once wrote: “Old age isn’t a battle; it’s a massacre.” Yet old age doesn’t frighten me the way it seems to frighten Roth. Lately, I’ve come to look forward to it in a sense. Aging can be a graceful process, for both women and men, as long as they don’t succumb to the youth-media and cosmetics blitz that threatens to empty everyone’s psyche and bank account. Yeah, it’s sad to get wrinkles, to lose your mental and physical agility. But look at guys like Tom Jones, Clint Eastwood, and Sean Connery, for instance. Connery looks almost as good today as he did at 30, just in a different, more refined and dignified way. He seems to be no longer in the grips of his own libido, which can make even the most graceful of dudes seem sleazy and indecent. Chances are I will look nothing like Connery when I’m his age. Still, I’ll know more than I do now. And at this point in my life, however cheesy it sounds, knowing more about the world, and understanding my place in it, seems more worthy of worship and respect than unlined skin and innocence. As for my old sweetheart—who must be now, what, 33?—I hope she’s not still wishing for a sexagenarian’s existence. People are going to start living till 110 pretty soon, which makes 30 the new 20, or even the new 10. By the time we’re 60, 60 might even be considered young. Comment and read more of Jay's postings on his official site. The Survival Of The FittestWhether you’re already an entrepreneur, or just thinking about becoming one, you are invariably motivated by one of two things, or maybe even both—passion and necessity. Very often, entrepreneurs do what they do simply because they like it and want to do it. And because entrepreneurs, particularly very successful ones, rarely do anything half-way, they tend to pursue their lives and their businesses with a unique intensity. In short, they are passionate about how they live and work.Sometimes though, entrepreneurs start a business because they have to. Maybe it was because they were laid off from their jobs, or even worse, fired. Perhaps their company went out of business and left them out of work, or didn’t pay them enough money. In today’s economy, it’s not uncommon to see whole industries collapse when their markets dry up, as we’re seeing with real estate, construction, mortgage lending and automobiles. Many of today’s highly successful companies were started by entrepreneurs and bred from pure necessity, plain and simple. Entrepreneurship carries with it many rewards—and many risks. It is often said that when you are self-employed, you wake up unemployed every morning. But according to Experian, one of the three biggest credit reporting agencies, self-employed entrepreneurs make about 25% more than the general population. Of course when you really consider income differential, you also need to realize that most of the wealthiest men in America made their fortunes as entrepreneurs. Bill Gates, Warren Buffet, Donald Trump and Sam Walton are all self-made billionaire entrepreneurs. But what about the risks? According to Entrepreneur Magazine somewhere between 85 and 94% % of all new business fail within the first 5 years. According to Dr. Gregory B. Murphy, associate dean and director of the MBA program for the College of Business at the University of Southern Indiana, the number of small businesses that close up shop due to severe financial distress such as bankruptcy is more on the order of 30%–40%. Regardless, this is still a huge rate of attrition. Regardless of the risk, according to a study of entrepreneurs conducted by Master Card International, 65% of small business owners would tell a friend to start a business now, rather than wait a year. And according to MSNBC, small businesses are responsible for over 75% of the net new jobs in the economy. These businesses often start very small—called micro businesses—and then grow rapidly. The US Census Bureau reports that 49% of the nation’s businesses are run from home, and industry analyst the Dieringer Group places the number of Americans running businesses from home at 45.1 million. Today, more so than ever, it is easy to start such a home-based business. Global search engine giant Yahoo reports that well over 75% percent of adults surveyed online indicated that the Internet directly facilitated the launch of their new business. Based on all of this, regardless of whether you are—or want to be—an entrepreneur based on passion or necessity, you also need to consider the risk versus the reward. The potential benefits are vast and unlimited. The major risk is that you have about a 50% chance of failure. But you can get around that by doing some very basic things. Leaders are not born. They are created. Anyone can become a leader in any area if they want to. (Read OUTLIERS by Malcom Gladwell) You need to set realistic expectations and manage them aggressively and then stick the bleep in there! Success is almost entirely based on determination—having the discipline to hang in there even when you feel like quitting 1000 times. Most entrepreneurs fail because they simply give up too soon. Free enterprise is really about the survival of the fittest, where only the strongest survive. The formula is simple—figure out what you what and then don’t quit until you have achieved your goals. Period. Comment and read more of Jay's postings on his official site.
The American Dream Downsized, or Upscaled. Your choice.
Today’s news is filled with doom about the economy and dire predictions
about a permanent downsizing of the American Dream. It’s as if our
futures have become foretold. To me, this is precisely the time to talk
about building wealth. The mind numbing tidal wave of financial collapse does not have to engulf you. To avoid it, however, you have to have an evacuation plan that leads to higher financial ground, and you have to choose when to put that plan into action. When it comes to wealth building, it always starts with a choice. I recently heard of man who died at 53. He had been a quadriplegic since being in a car crash when he was 20. Over 300 people crowded the church for his memorial service and hundreds more counted him as a friend. Not just a friend, a good friend. Confined to a wheelchair, with the use of one arm but not his hands, he had worked at maintaining those friendships, investing time and effort in learning what held meaning for each and every one of them. He had used technology to stay in touch with the world. His friends sought him out for advice. He never betrayed a trust he had earned. And he never complained about his condition. Not a day in his life went by without someone dropping in on him for some quality time. I call that a wealthy man. His wealth was not accidental. However you measure wealth, building it involves working towards certain fundamental principles. It turns out this man had always had good friends. After his crash and rehabilitation, he recognized how important they were to him – they were major assets – and he made a choice to work hard at having a wealth of them. He lived off of the joy and love they generated. When he passed, he had outlived his life expectancy by more than 20 years. We all seem to have a deep down sense of what wealth is. We might agree, for instance, that it contains the passion of our relationships, the intensity of our experiences and all of those things you can take with you. We could also probably agree that wealth includes not only what you earn, but also what you are given and what you learn. Wealth is not simply the sum of our assets and resources minus our liabilities and debt, it involves the choices we make in how to work with them to generate capital. Strangely enough, wealth only has value if it is used, and it is only worth having if it supplies the capital we need to live a fulfilled life. One more thing we can probably agree on. While wealth involves more than money, money is likely one of the first things that come to mind when we think about building it. How, then, do we begin to build wealth? For me, it started with choosing to find out how. That meant making an investment in my self – recognizing that I could use a little help in the form of knowledge – and making a commitment to that process. I pretty quickly discovered that time (a key ingredient for getting anything done) was essential to building wealth – and that I had better use it wisely because, let’s face it, who knows exactly how much time any of us has? (How many of us knew our retirement investments might be sliced in half so quickly, or that our employer might suddenly be considering layoffs?) So, I sought out experts who could effectively and efficiently teach me fundamental principles of debt elimination, tax reduction, cash flow multiplication, asset protection, investment management and how to live on less than I made. I found them at Wealth Masters International, through their m1 program, which takes the kind of holistic approach to wealth that I have been talking about. That’s where I also learned how to be responsible with money regardless of how much or how little I was making. And it’s where I learned that building wealth is directly connected to personal growth and growing beneficial relationships. The decision to transform your American Dream into reality does not need to be triggered by a life-changing event. Choices must be made. Effort and time will be required, but less time than you might imagine. Your inner life will grow as well, and you’ll meet some remarkable people along the way.
An Obituary To Common Sense
Today the New York Times carried a front-page article titled, "Obama Calls for ‘Common Sense’ on Executive Pay. "
To which Robert Hensler responded: An Obituary printed in the London Times - Interesting and sadly rather true. Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape. He will be remembered as having cultivated such valuable lessons as: - Knowing when to come in out of the rain; - Why the early bird gets the worm; - Life isn't always fair; and - maybe it was my fault. Common Sense lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition. Common Sense lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children. It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion. Common Sense lost the will to live as the churches became businesses; and criminals received better treatment than their victims. Common Sense took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault. Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement. Common Sense was preceded in death, by his parents, Truth and Trust, by his wife, Discretion, by his daughter, Responsibility, and by his son, Reason. He is survived by his 4 stepbrothers:
I Know My Rights I Want It Now Someone Else Is To Blame I'm A Victim Not many attended his funeral because so few realized he was gone. If you still remember him, pass this on. If not, join the majority and do nothing.
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