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Make Every Minute Count
By: Brian Tracy
Time management is the central skill of success. Your ability to manage your time, to focus and channel your energies on your highest value tasks, will determine your rewards and your level of accomplishment in life more than any other factor.
Save Hundreds of Hours and Thousands of Dollars in Personal Advancement
Your mind is your most precious asset. You must be continually working to increase the quality of your thinking. One of the best ways is to turn driving time into learning time. Listen to educational CDs or audio cassettes in your car. The average driver, according to the American Automobile Association, drives 12,000 to 25,000 miles each year, spending 500 to 1000 hours that you spend each year in your car. That is the equivalent of 12 1/2 to 25 forty-hour weeks. This is the same as two full university semesters spent behind the wheel of your car each year.
Use Traveling Time as Learning Time
If you did nothing but use that traveling time as learning time, this decision alone could make you one of the best educated people of your generation. Many people have gone from rags to riches simply by listening to audio programs as they drive to and from work.
Attend Every Seminar
In addition, for personal and professional development, you should attend every seminar you can. You can often save yourself 100's of hours of reading and researching by attending a seminar given by an authority in his or her field. You can learn ideas, techniques and methods that can save you hours, days, even months of hard work and research on your own.
Increase Your Earnings
Remember, to earn more, you must learn more. Your outer world of results will always correspond to your inner world of preparation. Continuous learning is the minimum requirement for success in any field.
Action Exercises
Now, here are two things you can do to put these ideas to work in your life immediately.
First, purchase an audio program that can help you to be happier and more effective today. Begin listening to it immediately. Resolve never to listen to music in your car when you can turn driving time into learning time.
Second, seek out seminars and training programs given by experts in your field. Sit close to the front, take careful notes, and apply the best ideas that you learn immediately.
The Law of Saving
By: Brian Tracy
Financial freedom comes to the person who saves ten percent or more of his income throughout his lifetime.
One of the smartest things that you can ever do for yourself is to develop the habit of saving part of your salary, every single paycheck. Individuals, families and even societies are stable and prosperous to the degree to which they have high savings rates. Savings today are what guarantee the security and the possibilities of tomorrow.
Start With Yourself
The first corollary of the Law of Saving comes from the book The Richest Man in Babylon by George Classon. It is to "Pay yourself first."
Begin today to save ten percent of your earnings, off the top, and never touch it. This is your fund for long-term financial accumulation and you never use it for any other reason except to assure your financial future.
Develop New Habits Regarding Money
The remarkable thing is that when you pay yourself first, and force yourself to live on the other ninety percent, you will soon become accustomed to it. You are a creature of habit. When you regularly put away ten percent of your earnings, you soon become comfortable living on the other ninety percent. Many people start by saving ten percent of their income and then graduate to saving fifteen percent, twenty percent, and even more. And their financial lives change dramatically as a result. So will yours.
Take Every Advantage
The second corollary of the Law of Saving says, "Take advantage of tax deferred savings and investment plans." Because of high and even multiple tax rates, money that is saved or invested without being taxed accumulates at a rate of 30% to 40% faster than money that is subject to taxation. Self-made millionaires, according to Dr Thomas Stanley's book The Millionaire Next Door, are almost obsessive about accumulating their funds in assets such as real estate, self owned businesses and equities that increase in value without triggering tax liabilities.
Invest in company pension and retirement plans, 401(k) plans, IRA's, Keough Plans, Roth IRA's, Education Investment Accounts, stock option programs and whatever else has been approved by the IRS for long term financial accumulation. Make every dollar count!
Action Exercises
Here are two things you can do to apply this law immediately:
First, begin today to put away ten percent of your earnings. Set up a special account for this purpose and treat your contributions to this account with the same respect that you do your rent or mortgage payments each month.
Second, become a lifelong student of money. Read the best books, take courses and subscribe to the most helpful magazines. Know what you are doing so you can always make intelligent decisions when you invest your funds.
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Self-Discipline for Success
By: Brian Tracy
There is one special quality that you can develop that will guarantee you greater success, accomplishment and happiness in life. Of a thousand principles for success developed over the ages, this one quality or practice will do more to assure that you accomplish wonderful things with your life than anything else. This quality is so important that, if you don't develop it to a high degree, it is impossible for you to ever achieve what you are truly capable of achieving.
The quality that I am talking about is the quality of self-discipline. It is a habit, a practice, a philosophy and a way of living. All successful men and women are highly disciplined in the important work that they do. All unsuccessful men and women are undisciplined and unable to control their behaviors and their appetites. And when you develop the same levels of high, personal discipline possessed by the most successful people in our society, you will very soon begin to achieve the same results that they do.
All great success in life is preceded by long, sustained periods of focused effort on a single goal, the most important goal, with the determination to stay with it until it is complete. Throughout history, we find that every man or woman who achieved anything lasting and worthwhile, had engaged in long, often unappreciated hours, weeks, months and even years of concentrated, disciplined work, in a particular direction.
Fortunately the quality of self-discipline is something that you can learn by continuous practice, over and over, until you master it. Once you have mastered the ability to delay gratification, the ability to discipline yourself to keep your attention focused on the most important task in front of you, there is virtually no goal that you cannot accomplish and no task that you cannot complete.
Successful people engage in activities that are goal-achieving. Unsuccessful people engage in activities that are tension-reliving. Successful people discipline themselves to have dinner before dessert. Unsuccessful people prefer to have dessert most of the time.
Successful people plan their work, and work their plan. They take the time to think through their responsibilities before they begin. They make clear decisions which they then implement immediately. They get a lot more done in a shorter period of time than the average person. And it all has to do with their disciplines.
Perhaps the most important benefit of self-discipline is the personal benefit that you receive. Every act of self-discipline increases your self-esteem. It gives you a feeling of personal power and accomplishment. Each time you discipline yourself to persist in the face of distractions, diversions, and disappointments, you feel better about yourself. As you continue to discipline yourself, you achieve more and more in life. As you achieve more things, you feel more like a winner. Your self-confidence goes up. You feel happier about yourself. You get more done and you have more energy. You earn the respect and esteem of the people around you. You get more rapid promotions and are paid more money. You live in a nicer house, drive a nicer car, and wear nicer clothes. You get a natural high from the thrill of achievement. And the more things that you achieve as the result of employing your personal habits of effectiveness and productivity, the more eager you are to achieve even higher and better tasks. Your life gets onto an upward spiral of success and happiness. You feel great about yourself most of the time.
Every act of self-discipline strengthens every other discipline in your life. Every weakness of self-discipline weakens your other disciplines as well. When you make a habit of disciplining yourself in little things, like flossing your teeth every night, you'll soon become able to discipline yourself to accomplish even larger things, like working long, long hours to bring a major task to completion.
Your entire life is an on-going battle between the forces of doing what is right and necessary on the one hand and doing what is fun and easy on the other hand. It is a battle between the forces of discipline and the forces of ease or expediency. And when you develop the strength of character that gives you complete self-mastery, self-control and self-discipline, you feel wonderful about yourself. You develop a deep inner sense of strength and confidence. You replace positive thinking with positive knowing. You reach the point inside where you absolutely know that you can do whatever it takes to achieve any goal that you can set for yourself.
Self-discipline is its own reward. Not only does it pay off in terms of greater self-esteem and a more positive mental attitude, but it pays off throughout your life in terms of the goals that you achieve and the success that you attain in everything you do.
Self-discipline is a skill and a habit that can be learned by practice. Every time you practice a little self-discipline, you become stronger and stronger. Bit by bit, you become more capable of even greater disciplines. As you become a totally self-disciplined individual, your entire future opens up in front of you like a broad highway. Everything becomes possible for you and your future becomes unlimited.
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Five Ways to Become Wealthy
By: Brian Tracy
There are basically five ways that you can become wealthy starting with nothing in America based on over 25 years of research into American millionaires.
The Five Roads to Financial Success in America and How to Choose Your Own
There are basically five ways that you can become wealthy starting with nothing in America based on over 25 years of research into American millionaires. Number one, you can inherit it. Less than 10 percent of wealthy Americans inherited any of their money, and it's less and less every single year.
The Second Way
The second way that you can become wealthy is you can achieve it professionally. You can become a doctor or a lawyer or an architect or an accountant. You can become extremely good at what you do, be paid very well, and hold on to the money.
The Third Way
The third way you can achieve it is you can become a senior executive of a large corporation. You can be highly paid; you can have stock options and bonuses. And if you stay with the company long enough, for enough years, you can be paid enough to become wealthy.
The Fourth Way
You can win it. But only a tiny fraction of one percent of wealthy Americans got that way by winning their money some way or another. As a matter of fact, the odds against you winning the lottery are the equivalent of lightning striking twice in the same place. They're millions and millions to one.
The Best Way
The fifth way that you can become wealthy is you can start your own business and earn it all by yourself. Starting your own business has been and will always be the high road to becoming wealthy for most self-made millionaires. Entrepreneurship in America offers more opportunities and opens more doors than all other possibilities put together. This is why it has been said that if you have the ability to start your own business and you don't do it, you are a fool. I'll repeat that. If you have the ability to start your own business and you don't do it, you're a fool.
Where do you start?
You start by getting your finances under control. The very first thing you do is you make a decision to get your finances under control. Some years ago, a man named George Classon wrote a book called The Richest Man in Babylon. It's a classic on financial success and what Classon said in that book was that the key to becoming wealthy is to pay yourself first. Take ten percent off your earnings, off your gross income every month and put it aside. Learn to live on ninety percent or less of your gross income. So the very first thing that you do is you begin to save your money.
Action Exercises
Now, here are two things you can do immediately to put yourself onto the high road to personal wealth:
First, resolve today to begin saving your money a little bit at a time. Set a goal to save 10% of your earnings, to put it away and to never touch it. This will change your life.
Second, immediately register your own business or sole proprietorship. Open a bank account, get business cards and letterhead and create the corporate entity under which you can do business. Your business opportunities will appear far sooner than you think. If you build it, they will come.
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In a Crunch? Learn to Deal With Help From Brian Tracy's Crunch Point Today!
It's like things that go bump in the night. Only in this case it's about things that go bump in your life.
No matter what you do, unexpected problems are sure to pop up. One minute things are rolling along smoothly then BAM! All hell breaks loose.
Your biggest customer files for bankruptcy and leaves you out in the cold. Your business is already cash-strapped, now what do you do?
The economy is kicking you below the belt. You just lost your job. It's not fair! You've worked hard yet things just seem to happen when you least expect it.
Unexpected personal and financial problems can hit you or your business at any time. Suddenly you find yourself up against the wall. You feel like you went from 100 to 0 miles per hour in sixty seconds.
Now you're in a crunch.
What you do next is vital if you want to survive your challenge. You can freak out. Cop out...Or face it head-on in a cool, relaxed and stress-free way. The choice is yours.
When I first started out in business, I faced many challenges. Not all of them were expected. What seemed overwhelming at first gradually became less severe as I learned how to deal with each situation effectively.
Sometimes it seems like challenges come rapid fire one after the other. Just remember none of these problems are your fault. Life happens to all of us.
After years of putting out fires and coping with unexpected crises, I developed a system for dealing with the inevitable life and business emergencies we all face.
During this time I created Crunch Point as a way to help me cope with these annoying situations. Now you can benefit from my experience. You don't have to do it alone.
Remember it's not the situation; its how you perceive it and more importantly how you deal with it. If you let it get to you emotionally it can eat you alive. Your personal power comes from controlling your response.
Sure it sounds easy to say but you and I know it sure doesn't feel that way.
In my book Crunch Point I give you 21 proven ways to overcome any crazy situation you may be facing. Personal or financial it doesn't matter. You will be in control of things now.
Imagine yourself:
- Taking control of any situation--You are in charge, feel the power
- Staying cool and rational while others are falling apart--You are in control
- Identifying and removing all obstacles to resolving your problem--No roadblocks
- Dealing with your problems quickly and effectively--Get on with your life
- Developing unshakeable confidence and courage--You are unstoppable
- Generate cash-flow to solve your financial problems--You are stress-free
- Knowing when to cut your losses and walk away--You are a savvy business person
Whatever inevitable and unexpected problems may arise in your future you'll be ready. Why waste your valuable time trying to figure it out on your own? These proven techniques have worked for me and they will work for you. I guarantee it.
The best part is you can start right now...
I'm making a limited number of my Crunch Point book available to you, my valued reader.
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Act now to get the key to quickly dealing with any problem that comes along--you'll also receive 5 valuable bonuses worth over $110 for taking action now.
This is your only chance to get your hands on this exclusive bonus-filled package. Don't kick yourself for missing out on this.
There's no time to dilly-dally. You're going to have to move decisively. So please don't hesitate. Not even for a second.
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To your success,
Brian Tracy
P.S. I am only making a very limited number of these beautiful hard bound editions available. Once they're gone, I may not print any more copies. My Crunch Point techniques are really important to your survival in today's economy. I'm excited about sharing my Crunch Point secrets with you.
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