Success is a very precious thing we seek for in every area of our lives. It is as if we are programmed to be successful in whatever we do and we do not accept failure easily. Nothing makes us happier like having success in our business and in our personal relations. Note that not everyone is destined to achieve it since some of us simply never do what it takes to reach it.
I divided the long and complicated path to success into three parts: Learn, Plan and Apply. Because, it comes as a result of the application of well planned knowledge.
Let's start with the "Learn" part. It can be said that in any field of life, either personal or professional, a certain amount of knowledge is required in order to accomplish what we want. We need to learn our lessons, we need to learn our jobs, we need to learn how things work, how this can be done, how that can benefit us and how can this knowledge be applied. This is the collection of information we learn occasionally.
After learning what is necessary, now it comes to organize our knowledge and create a plan on how to apply what we have learned. Pure knowledge itself will not do any good for us if it is not put into action following a well planned knowledge. So, the most important part to reach success is to plan, since it will be our base for our actions. If we have a good plan, no matter how much we know, it will simultaneously turn into action and results will be seen.
Once the plan is ready for action, it is time to apply it by taking the required action. The performance of this part will absolutely depend on the quality of what we have learned and how we planned what action we will take. Now that all the things are set up properly, the only thing we need to do is to take action. Often times, it seems really complicated and the most difficult element, however this is mostly due to lack of our knowledge and the weakness of the action plan.
Has this ever happened to you? You begin a program, a project, a task or even a diet with the best intentions telling yourself that this is the day you will begin to achieve your goal, then - Pow! An unforeseen setback, roadblock or obstacle hits you that you did not see coming.
We never see these "accidents or obstacles" that come into our lives as anything positive or helpful. We look at them as detours to take us off the path we have committed to be on. It happens to almost everyone at some point in our lives; setbacks, obstacles - whether career, financial, or health-related, obstacles are unavoidable and we find ourselves out of sync with our goal. How do we stay on track? How do we overcome these inconvenient and untimely obstacles that appear unannounced and attempt to keep us from achieving success in the goals we have set?
I have found that the first and most common obstacle that most people can identify with is that many times, there is no clear definition of a goal. This alone can cause you to sabotage your road to success before you even begin. Without a clear goal, a destination to direct your efforts and energy toward, you find that you have created your first obstacle to keep you from achieving success. Clarity of goal is difficult to identify in a few short sentences if you really have no idea what it is that you want to achieve.
Right now, before you continue reading, do this exercise; Think about what it is that you want to achieve. What is that burning desire, that goal you want to achieve? Set your mind to addressing and answering this question. Take the time to write it out, then edit, edit, edit so that you own it in your mind, and can say it clearly in a few short sentences. Doing this forces you to be specific and will remove a lot of external "sidebar goals" that can draw you away from your main focus or objective.
Next, recognize that you may be an obstacle to your success. Do you tend to whitewash some of your negative habits as 'that is just the way I am'? Be honest and realistic with yourself. Identify these habits so that you can watch and recognize them as you set out on your journey toward your goal.
Most people, if you were to ask them would readily agree that fear and doubt are two of the major obstacles that keep them from pursuing their dreams, desires, or their goals. But let us focus beyond that and get more specific.
To help you identify your habits, here are some common obstacles that people face;
· Lack of focus
· Unclear goals
· Not knowing where to begin
· Procrastination
· Interruptions
· Lack of self-esteem
· Inability to let go
· Hoarding (hanging on to everything)
· Negative thinking or Negative Self-Talk
Perhaps you may find your habits in the above list, or have different ones - only you know for sure. But is that really true? Sometimes, it is wise to seek outside help from people who truly care about your well-being and success. Ask them to be honest with you and help you identify negative habits, traits, characteristics that impede your ability to achieve your success. This can be difficult if you have a sense of pride, low self-esteem, or think you have all the answers. However, it is also important to make sure that you ask only those individuals that you trust implicitly to give you honest answers.
Once you have identified your list of personal habits or obstacles;
- Write them down then suggest at least three possible solutions to help you overcome them.
- Flip the negative trait to find a positive trait or characteristic and begin to train yourself to think and act to implement and reinforce that positive habit.
- Finally, accept the fact that achieving your goal properly and with successful results will take time.
Ask an Australian what he or she thinks of the World’s Worst Financial Crisis Since the Great Depression and the response just might be, “What crisis?” Sure, the Aussie stock market lost 59 percent peak to trough and some people lost their jobs, but relatively speaking, Armageddon gave Australia a free pass. Down Under was the only developed country to avoid technical recession. The stock market has bounced back almost 30 percent since mid-July. And housing? Home prices are actually higher now than in the summer of 2007. Last week, the Reserve Bank of Australia (RBA) increased its benchmark interest rate by 0.25 percent, a clear indication that in the central bank’s opinion the danger has passed.
Americans, Europeans and Japanese watched, enviously. Not only did the Aussies have the easiest time during the recession; they were the first to escape. What did Australia do right that the rest of us did wrong?
They picked the right trading partner
Ten years ago, the story for Australia might have been very different. At that time, 70 percent of the country’s exports went to the U.S., the U.K., and Japan. Had Australia stayed hitched to these economies it almost certainly would have been pulled down with them in the crisis. But as China grew over the past decade, it became Australia’s No. 2 export market (after Japan) — one hungry for Australia’s rich supply of iron ore and one of the few economies to show significant growth through the crisis years. (Although China’s GDP growth rate fell from a high of 13 percent, it has stayed above 6 percent, a rate that more established economies would consider an outright boom.) In 2008, the year the crisis hit, China absorbed AU$32 billion (or 15 percent) of Australia’s exports, an eight-fold increase in 10 years. The China Syndrome is often cited as the single most important reason the Australian economy weathered the downturn. Economist Neal Stoughton, head of banking and finance at the Australian School of Business, argues that Australia had to do very little to stimulate the economy when the crisis hit. The stimulus measures in Beijing were all that was needed, he argued on a recent edition of BTalk Australia on BNET.
As China's demand for raw materials grew it became Australia’s No. 2 export market.
Their bankers didn’t lose their minds
Australian banks proved to be more resilient during the crisis because they hadn’t exposed themselves to as much toxic debt as other nation’s financial institutions. The big four banks (Australia and New Zealand Banking Group Limited, Commonwealth Bank of Australia, National Bank of Australia and Westpac Banking Corporation) stayed profitable, maintained their top credit ratings and wrote down less than US$4 billion between them. In 2007, non-performing loans were 0.2 percent of all Aussie bank loans, far lower than the U.K. (0.9 percent), U.S. (1.1 percent), and Germany (3.4 percent).With Australia’s small population (22 million, less than that of Texas) the banking sector faces little in the way of competition. Non-bank lenders at their peak (just before the credit squeeze) accounted for 20 percent of all loans. The banks did a good job of grabbing most new home loans by cross-selling low-cost bank accounts, credit cards and insurance — the more you bought the more you saved. That gave home buyers less incentive to shop outside their bank for low-cost, low-documentation mortgages.
When the credit crisis hit, Aussie banks were able to raise short-term capital thanks to their strong credit ratings. The government has helped, too, instituting a three-year uncapped bank deposit guarantee in November 2008. Since then deposits shot up at an annual rate of 20 percent, another source of low-cost funds for the banks. In short, finding the cash to survive has not been the struggle it has been elsewhere, and the focus has been on growth not survival.
Their population kept growing
When the world economy is in trouble, the Aussie motto seems to be “throw people at it.” Economist Saul Eslake from the Grattan Institute think tank believes this, not China, is the main reason the country avoided a recession. He points out that per capita economic output declined for four consecutive quarters, but because the population grew, the economy still expanded. The first quarter of 2009 saw a net growth of 97,000 immigrants, the highest since the figures were first compiled in 1981. In the year to March 2009 the population grew by 2.1 percent (63 percent of that came from immigration), compared to 0.88 percent in the U.S. and 0.28 percent in the UK (2008 figures).They skipped the housing collapse
More Australians means more demand for housing, and supply has not kept up. Authorities estimate that Australian builders will have added 357,000 dwellings between 2008 and 2010; household growth in metropolitan areas is expected to be more than two and a half times that. The housing shortage helped keep prices buoyant: The 2008 decline in home values was mild and the average home now fetches about 6% more than in mid-2007. This is a major relief for Aussies who, like Americans, have the largest single portion of their wealth tied up in the family home.The RBA helped, too, by keeping interest rates relatively high prior to the crisis. Cheap money helped fuel the bubble in home prices in the U.S. and elsewhere, but in Australia, homes were simply never inexpensive enough to attract an onrush of buyers. In January 2008, Australians were paying 6.3 times their household annual earnings to buy a house, compared with 3.6 times in the U.S.
The housing shortage in Australia has helped keep home prices steady.
So here’s what recovery looks like
If Australia is indeed the first developed country to emerge from the crisis, its economy offers a glimpse into what recovery will look like in the U.S. and elsewhere — and the word “tentative” comes to mind.Even though Australians got off extremely lightly by global standards, many were still traumatized by the downturn and they’re not ready to trust that it’s over. Although a jobless rate of 5.7 percent would seem like employment paradise to Americans today, Australian Prime Minister Kevin Rudd publicly frets about it, just as Barack Obama worries about 9.8 percent in the U.S. And while GDP and housing markets held up remarkably well, both received assistance from government stimulus programs. Australia has its equivalent of the U.S.’s first-time home buyers credit, with an AU$14,000 grant for rookie home buyers, which could go as high as AU$21,000 for brand-new homes. The OECD estimates that the home buyer’s grant and other stimulus goodies, including a big infrastructure project called the Nation Building program, saved 150,000 to 200,000 jobs that might otherwise have been lost. As in the U.S., no one is quite sure how the economy will hold up when the life-support system is turned off.
But to the extent that any recovery reflects the decisions of individual business leaders to take risk again, Australia’s rebound looks sustainable. In September, the National Australia Bank’s monthly confidence survey found Aussie businesspeople more optimistic than they’ve been since late 2003. Dunn and Bradstreet’s survey about the fourth-quarter outlook shows that 46 percent of Australian businesses expect an increase in sales and 31 percent expect an increase in profits. Some 20 percent are planning to increase inventory over the same period and 16 percent expect to hire.
And that’s enough to convince the Australian School of Business’ economist Stoughton. Confidence matters far more than government-funded infrastructure projects. “It’s our medium- and long-term perception of job prospects that influence consumer’s spending habits and employers’ hiring plans,” he says. So Australia is leading the developed world not just in GDP and employment gains, but also in the self-fulfilling prophecy that Keynes calls “animal spirits”: faith that things will get better, which is a prerequisite for their getting better for real.
There’s one other way Australia’s recovery will look like those in the U.S. and elsewhere. The Australian government borrowed a ton of money to stimulate the economy (though debt, measured against GDP, is only about half as much as in the U.S.). The inevitable cost of the government-fueled recoveries will be higher taxes or higher inflation down the line. If only Australia can show the world how to make a quick exit from that fate, too.
Are you looking for auto insurance plans for your brand new car? Do you want to find the best auto insurance policy that is cheap but offers a wide range of insurance coverage? Do you want to change your car insurance plan because the bills are taking too much toll on your budget?
If that is so, then its time to look for the best auto insurance plan that offers comprehensive coverage at a cheap price. First, you need to know what options you can get when availing full coverage car insurance policies. You should also know some things about how to find cheap alternatives for expensive insurance plans without making too much effort at all.
The internet is one of the most convenient ways in finding the right insurance policy for your low budget. If you do not have someone with you to offer good advice about this concern, then you must look for good ideas about this yourself.
Several times a year, insurance companies change plans and come up with new cheaper plans. It is always good to ask for updates from insurance companies and change your plan to cheaper ones so you can have more money.
Insurance companies complain because people keep going from one company to another looking for cheaper insurance. The fact of the matter is people wouldn't do that if insurance was cheaper and they were not getting over charged.
There are thousands of websites offering car insurance plans for you you only need a computer unit and some time to search for those with good offers. There are third-party websites that give you a wider variety of options and choices for car insurance plans. You can also use free quote service from other auto insurance websites after registering on their site and providing minimal personal information such as your name and email address. One hour is enough to have a car insurance policy search.
Make sure that you list the probable car insurance plans with cheap quotes, find out their benefits and compare each one to find out which plan gives the widest coverage at the lowest amount. When deciding on the right car insurance for you check out the credibility of the company as well as other extra offers they may have.
The Secret to Success is to duplicate the successful. Anything that you are thinking about doing someone has already done, before you. In the world 97% of people fail at making it to financial freedom. The 3% of people succeeding are leveraging 3 things correctly.
The 3 things they are leveraging correct are their time, money and energy. Let's take a look at anybodys goals and focus on how they will be achieved. When you get to your free time in the day, what do you do? Most people can't wait to plop down on the sofa and watch television.
Let's point one thing out from the start, your job will never let you stop working and still pay you. You obviously have to work for yourself in order to free yourself from your job. Your free time is extremely crucial in order to achieve deleting your obligation job.
Your goals are similar to others goals. You want to have an abundant amount of money, and not have to show up at a work site everyday. That is why I stress the importance of using your free time to your advantage. It starts with thinking of your goals as a destination.
To plan for a destination there will be a sequence of steps that you must follow. The first step will be to get advice from those who have traveled the path of financial freedom. The secret to success is going to be your discipline and willingness to listen to the successful people.
You must fight the desire of always wanting to relax, and constantly work towards gaining knowledge. Once you start unfolding the secret to success plans you can then make a daily task list. To be frank with you, the Internet is where 90% of recent millionaires have manifested their wealth.
Behind all successful people is an can do attitude. Nobody in the world can tell a person destined for greatness that they will not succeed. You must not give up at any point, or become inconsistent along your journey. You must look at your life and see what is taking away your time, money and energy.
You must write down your goals and do backwards planning on how you will achieve them. Do not try to do this by yourself, because it can take years of trials and tribulations to become successful online. To gain the secret to success you must access information from the 3% of people who have made it to the other side. It will be hard to break bad habits, but it is necessary for you to do so.
So, you are a young driver, or are responsible for a young driver. The cost of getting an additional car, or the inconvenience of sharing a car you already have is bad enough. On top of that, you also have to pay hundreds per month in additional insurance coverage.
The problem is that insurance companies automatically view young drivers as high risk, regardless of how reliable the individual driver may be. Consequently, finding cheap car insurance for young drivers is a very hard thing to do. But not impossible!
Finding affordable car insurance for young drivers has become increasingly important as people look for ways to cut spending in an ongoing economic downturn. Unfortunately, the economic downturn has made it even harder to find cheap insurance, as the insurance companies are also looking for ways to cut costs and increase revenues, and so are dropping some of the discounts that used to be available.
The good news in all this bleakness is that you can do some car insurance comparison shopping pretty easily online.
A wealth of car insurance websites have made it a simple matter of spending a bit of time at your computer comparing the various offers. In fact, there are some sites that will compare numerous offers all on one page. Just make sure such comparison sites are not affiliated with one or another provider, as they will slant the information provided toward that provider.
There are also a number of websites where if you input your zip code they will search for and present you with the cheapest car insurance offers in your area.
So, that's the big secret. Use the Internet, spend some time doing comparison shopping, and find the best deal. There is no magic formula to getting insurance companies to give you lower rates. Just good, old-fashion comparison shopping, made easier and more convenient by the Internet, of course.
Did you know that 19 out of every 20 people have no idea why they go to work in the morning? They do it because it's what everyone else does. They do it because it's what they're supposed to do. Do you think those people can ever be successful?
They can, everybody CAN, but they need to make some serious changes in their lives.
To be Successful you only need two things
- You need to know where you are going.
- You need to take a step in the right direction every day.
You follow the roads, you make some turns and you eventually you arrive.
Life is the same.
You just need to pick your destination, start driving and then follow the road signs as you go.
But remember this. If you don't know what city you are driving to how are you ever going to follow the signs and get there? You'll just end up driving in circles around the country wasting petrol and your life.
So what is your destination? Is it:
- Owning a big house on the ocean.
- Making $1 million by the time you are 30.
- Loosing 10kg by June
- Visualise how it feels,
- How it looks,
- How do you feel when you've got it?
- How does it smell?
- Is this going to help me reach my goal?
- Is this congruent with what I want?
NEVER GIVE UP.
There is a chance you will make the wrong turn at some point and find yourself heading the wrong way. Just stop, ask for directions if you need to and then get back on track.
If you where 900km into a 1000km trip and you took a wrong turn, would you just give up and drive the 900km back home?
NO you would make the necessary changes and finish your journey.
It doesn't matter if you drive 10km one day and 100km the next. As long as you continue in the right direction you will always make it to your destination.
Being successful is not just about making it to your destination. You are successful the second you HAVE a destination and start MOVING in that direction. When you arrive at your destination, stop for a moment, soak up the sense of achievement, enjoy it, and then pick another one.
If you stop for good when you got to your destination your life soon become empty and appear meaningless again. It is irrelevant if you have $10 in the bank or $10million. If you don't have any direction in your life you will just become miserable. Just take a look at the celebrities that supposedly "have it all" but are wasting away on drugs and alcohol. Then look at the loving family down the road that doesn't appear to have much but are always happy and filled with joy.
Not everyone's goals and dreams are huge and there is nothing wrong with that, we are all different and all want different things. The important thing is to know what you want and take a step in that direction every day.
Being successful is one thing that we are trying to aim for in this life. Whether it is success in our careers, in school, in losing weight, in our relationships and in our finances, we always want to achieve success in life.
Although success may come easy for some people, most of the time, it is something that needs effort and focus. To help you achieve your goals and find success in most or everything you want in life, here are some tips that you might find useful.
1. Set your goals. One of the important steps to achieve success in life is to set goals that you want to achieve. Striving to be successful in everything you do without a specific goal in mind will more likely give you no direction at all and may just frustrate you after all. You may set measurable goals, like losing 50 lbs after a year or targeting a certain amount of earnings after a couple of years but you can also aim for a happy relationship.
2. Learn to visualize your goals. Visualization is good practice to help you work on your goals and actually attract it to happen to you. Learning to place that mental image of that goal that you want to achieve or that desire in your heart will help you focus your efforts and energy towards achieving it.
3. Learn to be positive in life. One good tip to achieve success in life is to learn to be a positive thinker. Positive thoughts can lead you to do positive actions and will also help you believe in yourself and that you can achieve success in life. Being positive also gives you the motivation to reach for your dreams and to not to easily give up.
4. Seize every opportunity. Success never comes close if you take no action on your goals and your dreams. Even if you have clear goals if you don't take action, you will find it hard to reach for your goals. Although as mentioned earlier that success can come so easily for some, most of the successful people have given their efforts and gave their time and resources in achieving their goals and attaining what they want.
5. Be with successful people. If you go with successful people, you tend to become successful too. Being with them will most likely help you think like them and learn from the way they work on their goals.
6. Learn from your mistakes. Achieving success is not all victories. Sometimes you may come across some challenges and obstacles, but you have to accept that success comes from learning from your mistakes and overcoming these obstacles. Successful people also have mistakes and challenges that they overcame before they became successful, so don't let mistakes disappoint you.
7. Be thankful and learn to share. Even if you have given your all in achieving your goals and realizing your dreams, somehow, it will not be made possible without the help of some people around you. Learn to be thankful and learn to give others without expecting something in return. Don't think also about what you lack and what you don't have. Cultivate the attitude of being thankful of what you already have. This way, you can easily find that happiness and fulfillment that you are looking for and most likely attract and achieve success in life.
Buying car insurance is just one of those things that every driver knows he must do. There are no ways around it. If you want to drive and be legal, then you have to buy it. It is like peanut butter and jelly. You just cannot have one without the other. Buying Florida car insurance can be easy and it does not have to cost you a bundle. Finding tricks of the trade of getting a decent rate even in Florida where rates typically are higher is not difficult.
An important tip for beginning the search for auto insurance is to pull out your present policy. Look it over and see if there are any optional coverages that you can drop. For instance, if you have emergency road service, make sure to ask the insurance company if they report use negatively.
Some insurance companies count these service incidents as claims when underwriting your policy. This action could mean hundreds of dollars extra you will have to pay. It may be more affordable to go with A A A or another emergency service type company like that. Nowadays there are many road emergency services company and you can even get emergency road service with some cell phone companies.
Another tip is to look at the comprehensive and collision coverages. If you are driving a used car, there is no need for having these items on your policy. If you are in an accident, the company will go by the blue book value of the car and not the balance on the vehicle loan. Therefore, this coverage would not pay you enough to pay off the car. These two items can cost alot on your policy.
Make sure to look at your deductibles. It is a proven fact that Florida typically has higher rates than other states. Florida has more cars on the road than most states. Therefore, the chance of having an accident is increased greatly. If you make your deductible higher, it will save you on the cost of the premium. Typically the higher the deductible the lower the cost of the overall premium.
There are many ways to find more economical ways to purchase car insurance. Checking out your current policy is a way to possibly find a little cheaper rate. Discontinue optional coverage that is generally unnecessary. Think out of the box and come up with different ways to find an alternative like road service. These are easy ways to save a few bucks that will put more of your hard earned money back into your pocket.
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