Category Archives: Education

15 Ways to Retire Earlier

AN EARLY START TO YOUR GOLDEN YEARS

The word “retirement” and number “65” are as linked in the North American psyche as “bacon” and “eggs.” Then again, that all depends on how fast you want your eggs, right?

Retiring early — or leaving the work force for the golf course, if you like — might sound like an unattainable goal. But there are many ways to make it, so long as you take numerous approaches into account.

Yes, 65 is the standard — but what’s 21st century life all about if not exceeding standards? Here are 15 major financial and lifestyle moves you can make to achieve this goal.

Are you fantasizing about early retirement. Here’s how to make that dream a reality.

1. LIVE TWO TO THREE TIMES BELOW YOUR MEANS

Sorry, folks: Simply skipping that $4 latte in the morning ain’t gonna cut it. It takes a much more committed approach where “sacrifices” are viewed in a new light. “It’s amazing when I work through the numbers that some people think manicures, landscapers and maids are a need,” said Michael Chadwick, a certified financial planner and CEO of Chadwick Financial Advisors in Unionville, Conn.

2. REDEFINE ‘COMFORTABLE RETIREMENT’

Less spending later constitutes the flip side of less spending now. If you imagine comfy retirement as a vacation home and monthly cruise ship trips, revisit that vision so you don’t have to bleed cash — but can still retire in style. Instead of two homes, for example, why not live in your vacation destination and pocket the principal from selling your primary residence?

3. PAY OFF ALL YOUR DEBT

That’s right, all of it. First: Is it time to pay off your home? You might not have the resources now to plunk down one huge check, but consider savvy alternatives such as switching from a 30-year to 15-year mortgage. Monthly payments aren’t much higher, but the principal payoff is much greater. Second: Do the same with loans and credit cards, as high interest eats up income faster than termites chewing a log. A credit card balance of just $15,000 with an APR of 19.99 percent will take you five years to eradicate at $400 a month — and you’ll dish out a total of $23,764.48, the calculator on timevalue.com shows.

4. CONSIDER OVERLOOKED FINANCIAL RESOURCES

While it’s risky to count on unknowns such as an inheritance, you might have cash streams available outside the traditional retirement realm, said Jennifer E. Acuff, wealth advisor with TrueWealth Management in Atlanta. For example, “Understand your options with respect to any pensions you might be entitled to from current or previous employers.”

5. INVEST EARLY AND AGGRESSIVELY

If you’re in your 20s and start investing now, you’re in luck, said Joseph Jennings Jr., investment director for PNC Wealth Management in Baltimore. “Due to the power of compounding, the first dollar saved is the most important, as it has the most growth potential over time.” As an example, Jennings compares $10,000 saved at age 25 versus 60. “The 25-year-old has 40 years of growth potential at the average retirement age of 65, whereas $10,000 saved at age 60 only has five years of growth potential.”

6. MARRIED COUPLES: PLAY RETIREMENT ACCOUNT MATCHMAKER

The wisdom of taking advantage of a company match on the 401(k) is well established — but think about how that power is accelerated if a working couple does it with two such company matches. “If your employer has a matching contribution inside of your company’s plan, make sure you always contribute at least enough to receive it,” said Kevin J. Meehan, regional president-Chicago with Wealth Enhancement Group. “You are essentially leaving money on the table if you don’t.”

7. PRACTICE SOUND CASH FLOW MANAGEMENT

The methodology is simple, yet the results can be profound: Put money at least monthly into systematic investments during your working years. “There’s no other element of investment planning or portfolio management that’s more essential over the long term,” said Jesse Mackey, chief investment officer of 4Thought Financial Group in Syosset, N.Y.

8. JUMP ON EMPLOYER STOCK PURCHASE PLANS

How about some free money? The ESPP typically works by payroll deduction, with the company converting the money into shares every six months at a 15 percent discount. If you immediately liquidate those shares every time they’re delivered, it’s like get a guaranteed 15 percent rate of return,” said Dave Yeske, managing director at the wealth management firm Yeske Buie and director of the financial planning program at Golden Gate University. “Add the after-tax proceeds to your supplemental retirement savings.”

9. START THAT RETIREMENT ACCOUNT TODAY

That is, the earlier the better. Millennials who kick off retirement accounts early will reap big rewards later. A 25-year-old who socks away $4,000 a year for just 10 years (with a 10 percent annual return rate) will accrue more than $883,000 by the time she turns 60. Now then: Can’t you just taste those pina coladas on the beach?

10. PLAN SMART VACATIONS AND TRAVEL — AND INVEST THE DIFFERENCE

There’s no sense in depriving yourself of every single thing, especially well-deserved time off. But Yeske points out that you can save a ton in 150 countries through a service called HomeExchange.com. “My wife and I have stayed for free in London, Amsterdam, New York and Costa Rica,” he said. “And when you’re staying in someone’s home or apartment, you don’t have to eat out at a restaurant for every meal, so your food costs nothing more than if you were at home.”

11. DON’T LET YOUR MONEY SIT IDLE

To get to an early retirement, you have to periodically revisit your IRA, 401(k) or other retirement account to make sure your money doesn’t grow cobwebs. For example, the way your retirement account is diversified shouldn’t put too much emphasis on low-yield investments — such as money market funds and low-yielding bonds. “Dividends can pile up in the money market account, typically earning one one-hundredth of a percent,” Yeske said. “Make sure your cash is invested properly.

12. HOP OFF THE HEDONIC TREADMILL

In this curse of consumerism, you buy something expensive, feel excited and then scout for something else to purchase when the “new car smell” wears off. And it’s a huge trap if you want early retirement, said Pete, a finance blogger who retired in his 30s. Another advantage: “Here in the rich world,” he wrote at MrMoneyMoustache.com, “the only widespread form of slavery is the economic type.”

 

13. LOOK FOR PASSIVE SOURCES OF INCOME

Early retirement doesn’t necessarily mean retiring all of your income, especially if you find ways to bring in money without hard work. Investing in rental properties is one way you can create a cash flow stream — and you can minimize the labor by hiring a property manager. Or: Set up an internet sales business and hire a part-timer to fulfill orders and track stock based on volume

14. ENLIST IN THE ARMED FORCES

Here’s an alternative way to get to “At ease, men.” By serving in the military, you can also serve yourself. Members commonly retire after 20 years, living off generous pensions and health insurance. Even though President Obama in March proposed sweeping changes to military retirement and health benefits, earlier-than-normal retirement should still remain an option for many men and women in uniform.

15. HIT THE ROAD OR GO JUMP IN A LAKE, INDEFINITELY

Some middle agers are selling the bulk of their possessions — including the home — and moving into tricked-out mobile homes and houseboats. These options also open the door to a life of leisure travel and can eliminate major expenses, such as property taxes and mortgage payments.

If you think of retiring early as simply walking away from everyday life — and thus a pipe dream — it’s time to take a step back and look at how others have done it. You might enjoy your job immensely and have friends in the trenches with you. But if work is taking too much away from your family time, community bonds, overall health and peace of mind, you might do well to consider one of the smartest alternative investments of all: yourself.

If You Want Greatness, Take Responsibility

 


If You Want Greatness, Take Responsibility

By Matt Mayberry @Matt_Mayberry

“If you had to pick one quality that someone needs to possess, what would that be?” someone recently asked me. 

After I was forced to give just one answer, I said, “If I had to pick just one quality, it would be taking complete and full responsibility for your life.”

Yes, there are a plethora of different qualities and habits that must be developed to truly become great, but there is no better starting point than taking complete responsibility for your life.

We live in a world where maximum results are expected with minimal effort given. If something goes wrong, it’s someone else’s fault. If you’re not happy financially, it’s the economy’s fault. If you’re not happy in your marriage, it’s your partner’s fault. If you’re not being compensated as much as you would like, the company doesn’t pay enough.

Any of those sound familiar? Chances are some hit home. It’s human nature to blame circumstances or the next person instead of taking ownership. However, in order to live a truly exceptional life, you must put an end to this way of thinking immediately.

So how can we once and for all start taking complete responsibility of our lives? Here are three ways to help get you started.

1. Decide.

It all starts with a firm decision to do so. It sounds simple, but there is a very small percentage of people who actually make the decision to take responsibility for their lives. They keep going back to their old ways and lose sight of the fact that they are the ones in the driver seat.

Force yourself to stop looking outside of yourself for things you are in control of. It’s a simple concept, but not easy by any stretch of the means. From here on out, make the firm decision that no single event or person is going to dictate your level of achievement.

2. Stop playing the blame game.

A large number of men and women from all walks of life struggle with this one, including myself from time to time. As I mentioned above, what’s easy to do is to blame your partner when a relationship gets shaky. What’s easy to do is to blame the government for a lack of financial success.

It’s absolutely imperative that you throw away every single excuse and start taking ownership in every area of your life. There is no way we can ever grab a hold of our lives completely when we are too caught up in the awful habit of playing the blame game.

3. Make a promise to yourself.

Something that has worked wonderfully for me is to write a simple creed on a notecard promising myself that taking complete responsibility for my life is something I will abide by every waking moment. It can be something as simple as, “I, Matt Mayberry, promise that I will never lose sight of taking full responsibility for my life.”

Legacies have been built and history has been made by men and women who decided to take complete ownership of their lives. Are you ready to do the same?

 

Greater Is He In You


by Lawrence Powell

Nestled in the ancient text of 1 John 4 is a powerful principle for contemporary kingdom living. By this principle, we should live our lives, conduct our affairs and minister in the name of Jesus. It is found in verse 4: “You are of God, little children, and have overcome them because He who is in you is greater than he who is in the world.”

This powerful verse begins with, “You are of God, little children…” That is emphatic: You are a child of God! It is very important that as a believer you know who you are. If you don’t, then you will live far beneath your potential. You’ll live like you’re somebody else! When you do not know who you are in God, in Christ, Satan will try to keep you from accepting this kingdom principle. He’ll work to convince you that you’re weak, that you’re a loser. He’ll have you convinced there’s no way out, that your situation is not redeemable. He’ll tell you that the sickness attacking your body will be the end of you. But you’re not powerless, friend — you’re more than a conqueror. You’re a winner! You’re undefeatable!

The scripture goes on to say, “You have overcome them.” Who is “them?” This term actually refers to the Antichrist and the spirit of Antichrist, which is in the world. We know from words like “antiperspirant” that the prefix “anti” means that which is against, or that which is opposed to. So, “antichrist” means that which opposes Christ, that which is against Christ. So this “spirit of Antichrist” is Satan himself, the demonic realm, the demonic agenda, not just the Antichrist personified in End Times teachings.

The spirit of Antichrist will try to deceive you and lead you astray. It will invite you to accept human reason over godly reason, temporal evidence as “the facts,” but-Good News!-the real “fact” is you are an overcomer! You may have a treasure in an earthen vessel. Your outward man may be perishing, according to the Scriptures, but your inward man is being renewed day by day. Your body is not perfect: It ages (don’t we know it!). But what’s most important is who we are in the spirit. While you may stand bent over in pain before a mirror and shake your head at your frailty, God may look upon you as a powerhouse of prayer and faith in the midst of your storm!

John, in his epistle, makes it very clear why we are overcomers: Because “greater is He that is in you than he that is in the world.” Without Jesus in us, there is no overcoming. There’s nothing we can do to save ourselves. We cannot redeem the time or make things new. There’s simply no reason for us to be self-focused or think of ourselves as self-sufficient! No, wisdom declares that we need to be God-focused. God is mighty. He is the One who can save. And He is greater than anything we will ever come against.

It is important to know who you are. It’s also extremely important that you know who God is. How big is your God? How great is He? If you see Him as distant or distracted, how will His greatness reach you? If you see Him as too big for your problems, how will you cry out to Him for help? Likewise, if you see Him as a spiritual shadow, how will you have confidence that He can do anything for you? If He’s just a religious figure like Buddha or Muhammad, how can He do for you what you need to be done?

The Scriptures tell us many things about God: He is a Self-revealing God. From the opening statement in the book of Genesis, He reveals His nature to man: “In the beginning, God…” The Hebrew word is Elohim, the Creator God, the self-existent, eternal and righteous God. If we saw God for who He is, we wouldn’t get so discouraged by the evil and godlessness of our culture. If we could keep the greatness of God before our eyes, we’d be gripped by His awesome reality. Like the Bible tells us in 2 Corinthians 3:18, if we saw the greatness of God, we would be changed from one degree of glory to the next.

God is omnipotent (all-powerful, almighty); He is omnipresent (everywhere present); He is omniscient (all-knowing). He is eternal, self-existent. God is self-sufficient. He doesn’t need anybody else. He can actually do it all on His own!

God is transcendent, beyond our ability to describe or fully comprehend. But although He is transcendent, He is also imminent. He is “God with us.” God is sovereign. God is salvation. God is love. He is holy and just. He is righteous. Everything He does is pure and right. Everything He says is truth.

God is good, and His mercy endures forever. God is faithful even when we are unfaithful. God is our Helper, “a very real and present help in times of trouble.” He is Jehovah Rapha, the God who heals us. He is a deliverer, a miracle-worker. And He is immutable (He never changes).

God is still on the throne, my friend! The only way Satan can ever defeat you is if you become ignorant of who you are in Christ. When you know really know—that the Greater One resides inside you, then defeat is not an option. You will laugh without fear of the future.

We are seated together in heavenly places in Christ Jesus, and everything that is under His feet is under our feet as well. When we stand in this truth, we will see victory in our battles. When we stand unified with our other brothers and sisters in the faith, we’ll see the kingdom of darkness pushed back and the glory of God released into our communities, our businesses, our schools, our nation, and our world!

I hope you will evict the lies of the enemy from your life today: discouragement, unbelief, poverty, sickness—you’ve got to go in Jesus’ name! Be of good courage, believer. Lift up your head and get back to doing what God has called you to do. Greater is He that is in you, than he that is in the world!

5 THINGS GREAT PRODUCT MANAGERS DO EVERY DAY

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My favorite product managers are quietly powerful. Every day they take small steps that move their teams and business forward in a meaningful way. But they do it without a lot of hoopla, taking a confident yet unassuming approach.

After all, product managers have a lot on their plate every day. They are responsible for the strategy, roadmap, and feature definition for their product. It is a big responsibility that requires facilitating and collaborating with many different teams — both internal and external — without the formal authority to manage those teams. It requires a unique mix of humility and strength.

However, that quiet power does not mean leading product is easy. I realized early on that the daily life of a product manager is unpredictable, hectic, and sometimes very tough.

In the late 1990s, my first product management job was helping to roll out high-speed internet nationwide when it became a viable (and highly desired) alternative to dial-up services. We went from providing 300 lines monthly to more than 3,000 — all in a window of about 60 days. I quickly learned how to balance staying on a strategic course and managing the endless minutiae that was required to get each customer up and running.

I had always been a leader, so handling the stress and responsibility was natural for me — but I had a lot to learn about focusing my efforts on what mattered most. I soon realized that with great accountability comes great autonomy. It was up to me to prioritize what needed to get done and when.

This is great news for ambitious product managers: You have more control than you might think, no matter how hectic each day feels.

Here are five things great product managers do. Used consistently, these actions can help you prioritize your work every day and thrive.

1. Align actions to goals

To succeed as a product manager it is essential to take a goal-first approach. Prioritize what must get done that day and assess and align new work against your goals. Swiftly break through the endless tasks and chatter by evaluating each request or demand through the lens of your goals. This does not mean you should shut down disruptions as “noise” to be silenced. Embrace the interruptions that align with your goals — one may be the missing idea that makes your product wildly successful in market.

2. Connect the dots

Understand how your product serves your business — the big picture of why you are building it. This may seem obvious, but without that connection, product managers are often led astray by differing opinions, demands from internal teams, and conflicting customer feedback. Identify why your product matters to your business and to customers so you can navigate with a steady mind.

3. Solve one simple problem

You may be tempted to solve every problem for your customers. But you cannot be all things to all people. You will spread yourself too thin and lose that firm direction. Instead, focus on solving one problem at a time. I like to say, “Focus on one problem, and solve the second for free.” Tackle one problem well and new opportunities will emerge.

4. Learn from others

Invest the time and effort to learn about your product team’s core work so you can set realistic deadlines. This is especially important for teams that share resources. Ask questions and get to know the full scope of their experience and tasks. It is also important to admit what you do not know. Rely on the expertise of your extended product team to help you deliver on the promise of your product.

5. Say “no” with confidence

Not every idea will be meaningful. And, in fact, most will be lousy. Great product managers understand that saying “no” is not a one-word answer. This is your chance to explain why the idea does not make sense within your strategic direction. Do not hide from these conversations or be dismissive. Take each “no” as an opportunity to recommit to your goals — and to re-evaluate whether your aim is true.

I know this advice to be effective — but hard to follow. So be kind to yourself when you feel cornered or stuck. Stick out your chest and remember that you have more control than you think and a team at your side.

You too can achieve the quiet power that separates good product managers from great ones. Never lose sight of your goals and embrace each day with humility and strength. Now go get busy.

Discover your own power as a product manager.

15 Key Apps For Entrepreneurs

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15 Key Apps For Entrepreneurs

By Ari Rabban

Being beyond busy just comes with the territory of being an entrepreneur.

Whether you’ve got a business that’s been operating for years, or you’re just itching to get work done on a project of your own, many challenges stand in the way of entrepreneurial efficiency. Thankfully, with the right tools at your disposal, there is a way to get to the other side.

Breaking Down Your Breakdowns

Any time an obstacle blocks the path to your productivity, it falls into one of three categories.

The first is good old-fashioned distraction. Whether you find yourself distracted by noisy co-workers, something outside the office, or just the idea of the pile of tasks still waiting to be done, we all know how easy it is to have our attention misdirected.

Then it’s a question of prioritization. Managing a big project or running a startup involves attending to an endless list of demands. Finding a way to distinguish the critical from the important and the non-pressing is essential to navigating workflow.

Craig Ballantyne, Author of The Perfect Day Formula explains how to master this 5% vs. 95% Rule, which is a formative principle for every truly successful entrepreneur.

Finally, there’s the question of function. Nothing crimps your process like getting hung up on some functionality issue. Maybe you’re trying to figure out a way to process a payment across platforms or your progress comes to a screeching halt when a problem pops up with your data security. Whatever the cause, suddenly you find that you’ve spent hours trying to accomplish what seems like it should take 10 minutes.

The solution to each of these issues, however, might be as near as your own pocket.

Letting Technology Do Its Part

Contemporary entrepreneurs have a vast toolbox — all on their phones — that wasn’t available a few years ago. Over the past decade, more and more apps have been developed to alleviate the above challenges.

By consolidating your workflow onto a single device, you achieve streamlined processes that vastly boost your productivity.

Forget about shuffling through papers and coping with chaos: Harness the power of your smartphone and its cloud capabilities, and you’ll ease your journey toward success.

There are four app varieties I consider essential to solving problems relating to distraction, prioritization, and function. The 15 unique apps below will offer solutions to these barriers.

  • Hootsuite/Trello/Lizzabo

It’s easy to get wrenched off-task by social media, especially when you use it to share business-related content, communicate with team members, or network with potential contacts.

A variety of apps can address this. Hootsuite, for example, allows you to schedule posts without actually spending any time on social media platforms. Meanwhile apps like Trello and Campfire facilitate collaboration within your team. And tools like Bizzabo and LinkedIn are great for digital networking.

  • Asana/Remember the Milk/Google Now

Powerful apps have taken the place of the day planner. Apps like Asana, Remember the Milk, and Google Now make it easy to not only plan out your schedule, but share it with other team members.

  • Square

For the longest time, independent businesses didn’t have easy access to the tools necessary to accept payments in plastic…Continue Reading 

About the Author: Ari Rabban is the CEO of Phone.com and a veteran of the IP communications industry. Phone.com’s virtual phone service builds on the digital VoIP industry experience of its founders to deliver a complete suite of enterprise-grade unified communication services at an SMB price. Ari was named among the Top 20 Most Influential People in VoIP 2012 and currently serves on several boards, including the New Jersey Tech Council.

How To Get What You Want In Just Ten Steps

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Being fearless enough to chase what you want is the ultimate goal for all of us. But in reality, leaving your comfort zone to get everything you want just isn’t that easy. Tired of letting your doubts stop you from reaching your full potential? Fed up of thinking about what could have been? Or, do you just need to face a new chapter? Here’s a 10-step routine for getting what you want, which will help you achieve your goals and dreams faster than ever before!

1. Create a plan

Before you can go after what you want, you have to be sure it’s definitely the right thing for you. Map out what you want to achieve and how you’ll get there. It will make the end goal much clearer.

2. Start with small changes

Once you know what you want, the initial changes don’t have to be too drastic. Ease yourself in by making little changes every day. Wake up earlier, write to-do lists and take time for yourself.  These small changes can make a huge difference.

3. Ask for what you need

Whilst you are taking things into your own hands, you may find that you need the help of others too. To get what you want you can’t be afraid to ask for what you need. After all, if you don’t ask, you don’t get.

4. Develop willpower

Knowing what you want and achieving it are two very different things. You have to be prepared to work hard and never give up. Your willpower will be tested like never before. Believe in yourself and persevere.

5. Celebrate progress

No matter how big or small, to reach to your end goal you have to celebrate every bit of success along the way. This way, you will keep up a positive mindset and be all the more likely to get what you want.

6. Accept setbacks

The road to getting what you want is bound to be a bumpy one. Come to terms with the fact that you win some and lose some, instead see it as a new challenge to prove yourself. With this mindset, you will be far more likely to get what you want in the long run.

7. Re-assess your goals

Just because something is what you once wanted, doesn’t mean that it will always be that way. It’s okay to change your mind. Make sure you regularly ask yourself, ‘will this make me happy?’ and ‘is it worth it?’ This way, you will know exactly how to get what you want.

8. Check your circles

To get where you want, you have to make sure you are surrounding yourself with people that help get you there. Remove anybody that refuses to help you move forward, celebrate your success or help to pick you up when you are down. You will be surprised how others can stop you from getting what you want.

9. Create balance

Being determined to get what you want is great, but you have to make sure you aren’t working too hard to get there and neglecting your social needs. Find that perfect work-life balance and you will find your goals much easier to achieve.

10. Be satisfied with what you have

Often, we can become so focused on getting what we want that we forget to appreciate what we have. Take a step back, appreciate what you have achieved and you may find that what you want may already be something you have.

How to Become Memorable in a Noisy World The secret to connecting with anyone.

By Daniel Gefen 

The Internet has introduced  powerful tools to connect millions of people with the simple click of a button.

An email, a tweet, a post. Within seconds, you can reach more people than your ancestors did in a lifetime.

The world has become a ‘numbers game,’ but nobody cares about being a number.

The same tools that you have at your disposal are easily accessible to the other seven billion people on this planet, which means that everyone is being bombarded with emails, tweets, messages and ads on a daily basis.

The way people act online reminds me of how people act when driving their cars.

Normal, well mannered people step into their cars and evolve into insensitive masters of metal.

All of a sudden, everyone else becomes ‘objects’ to avoid, ignore, honk at, shout out, cut off, curse at, etc.

The world has become faceless, but humans crave human interaction.

I started to realize the power of human interaction and developing deep relationships when I started my podcast. It’s amazing what 45-minutes talking to someone can actually do for a relationship. I have interviewed over 65 successful entrepreneurs and make an effort to keep in touch with each of them.

They are all busy people and are probably bombarded with messages from fans trying to connect. But here’s the secret:

They are human beings. And human beings crave deep, meaningful relationships. 

How many times has someone tried to get your attention with the same lazy piece of spam?

If it doesn’t work to get your attention, then why try using it to get the attention of others?

The Internet has made people lazy. It’s so easy to mass message or post quick meaningless things in the hope that a percentage of the masses will react.

Lazy people hope for the best. Successful people work hard to make things happen.

Here are some ways you can become memorable:

  • Instead of posting ‘Happy Birthday’ on someones timeline and getting lost in the masses, take 60 seconds and send them a happy birthday video message. They will remember you for it!
  • Instead of posting useless, mindless one liners,  post something deep and interactive
  • Reach out to people one on one and start a personal conversation
  • Dare I say it—pick up the phone and call people
  • Instead of commenting on other people’s posts with the same old one word replies like “cool” or “#Truth,” put some time into sharing how their post impacted you
  • Surprise people by sending them a gift in the mail

Most importantly, keep in touch with people on a regular basis—at least once every 90 days.

Ask yourself, what makes others memorable to you?

Now go and become memorable!

Status Anxiety

Do You Suffer From “Status Anxiety?”

By Alex Green

In 1759, Adam Smith inquired in his Theory of Moral Sentiments about why we seek wealth. Is it to meet our basic wants and needs?

No, he concluded. “The wages of the meanest laborer can supply them.” The point of all our striving, he argued, is “to be observed, to be attended to, to be taken notice of with sympathy, complacency, and approbation.

William James, the father of American psychology, echoed this sentiment a century later when he declared that the deepest principle in human nature is the craving to be appreciated.

We don’t like to admit it, but most men and women are in a near-constant pursuit of higher status.

Psychologists have even identified a new malady, one that afflicts millions. They call it “status anxiety.”

Throughout history and around the world, men and women have always sought status and recognition. But in the modern era, the yardstick is almost always the same: economic success.

More bluntly, money.

The benefits of money and status are obvious: freedom, resources, comfort, time, attention, and deference. A lack of status, on the other hand — even if it is only perceived — can lead to sadness, anxiety, and even depression.

Our capitalist system thrives on the pursuit of status. Entrepreneurs take elaborate risks in the pursuit of great rewards. Consumers buy superfluous products — especially luxury brands — they believe confer prestige. The pursuit of status motivates us to develop our talents, work hard, demonstrate excellence, and achieve worthy goals.

In today’s increasingly affluent society, however, our ideas about what are “essential” constantly change.

For example, consider the percentage of Americans who believed the following items were necessities in 1970:

  • More than one phone – 2%
  • Second television set – 3%
  • Dishwasher – 8%
  • Car air conditioning – 11%
  • Second car – 20%
  • Home air conditioning – 22%

If these were nonessential to Americans 45 years ago, why do hundreds of millions consider them necessities today?

It’s not just that these things make our lives easier and more comfortable. Many folks would feel embarrassed or ashamed to be without them.

Our sense of happiness is based on comparing ourselves to others. Unfortunately, that is a guaranteed recipe for unhappiness.

The problem with making economic success the foundation of personal happiness is that a) you cannot control the economy and b) most companies eventually fail. Needless to say, this undermines job security and financial well-being.

While life will always be uncertain, there is a simple and effective cure for status anxiety: changing the way you think.

Every time we feel satisfied with what we have, however little that may be, we can count ourselves rich.

Jean-Jacques Rousseau insisted there are two ways to make a man wealthier: Give him more money or curb his desires. Or, as Socrates declared as he passed the expensive goods on sale in the Athens agora, “How many things I can do without!”

As for other people’s opinions, whether you get the recognition you believe you deserve is out of your control. But if you haven’t done anything that deserves contempt or disrespect, what difference does it make what someone else thinks?

An obsessive pursuit of status may not just be a waste of time. It could be a waste of a life.

About the Author: Alex Green is the author of excellent books like, The Secret of Shelter Island: Money and What Matters, and Beyond Wealth, that show you how to lead a “rich” life during trying economic times.

The Lost Art of Discipline

https://www.facebook.com/plugins/video.php?href=https%3A%2F%2Fwww.facebook.com%2Fthepurpleninjette%2Fvideos%2F231427823979497%2F&show_text=0&width=560“>Gaby Diaz-Cervo

A message from an ETR sponsor

Hey, it’s Chad Howse here.

I’m a former 9-5er turned entrepreneur… also a former scrawny amateur boxer turned muscular published fitness author.

But a decade ago I had no money. Actually, less than no money, was in debt, and got out of shape for the first time in my life.

Rather than searching for a ‘get rich quick’ product or workout to get me in shape, I focused on developing discipline.

Nothing else, just creating the habits that the ‘rich, ripped, and successful’ version of me would have to develop.

Discipline, however, rarely endures when it’s dependent on willpower.

Just like your ideal body, discipline can’t be built with motivation alone. It requires a process, plan, and strategy if it’s going to live forever.

That’s what I focused on. I devoured every book I could possibly find on the subject, from theory and philosophy, to solid scientific evidence on what works. I read about great historical figures, guys I wanted to emulate, and realized it wasn’t talent or willpower that made them great; it was discipline.

I got on a routine. I became the same man every day rather than the guy with no money who depended on inspiration to write content and create products.

To be honest, it didn’t take long to turn things around.

After a few months of my discipline program I began to make more money and my body changed in front of my eyes.

Here’s a secret that marketers don’t want to tell you: the program doesn’t matter as much as your discipline in following it.

Discipline makes transformations.

I’m still a work-in-progress and I always will be, but the freedom I have today from stress, from a boss breathing down my neck, and the freedom to travel the world, buy a house, and live life on my own terms isn’t due to intelligence.

I owe it all to discipline. And the more discipline I develop, the more freedom I have in my life.

That’s the greatest misconception about discipline— that it’s confining. In reality, it’s liberating.

But I’m not a naturally disciplined guy. I need a program to follow, some kind of daily guidance that gives me clarity on where my attention needs to be focused.

I’m guessing you’re the same.

In fact, I’ve never met a ‘naturally disciplined person’ in my life.

Everyone I know who’s killing it, struggles. They all struggle. Theodore Roosevelt, John D. Rockefeller, even Napoleon Bonaparte struggled mightily to be the disciplined men that would develop greatness.

And without a plan, you’re out of luck.

That’s why I created The Lost Art of Discipline – a mission to not only build your ideal body, but the life you were meant to live.

Take the challenge that is the Lost Art of Discipline and be the person that even your most ambitious dreams didn’t imagine you’d become.

Tired Of Being Overworked, Sacrificing Your Health, And Missing Out On Time With Your Family?

I Can Do This


by Lawrence Powell

I can do this! Those are four little words, but they carry a lot of weight when you choose to do what is right in God’s sight. For instance, Matthew 5:44 tells us to “love your enemies. Bless those who curse you, do good to those who hate you, pray for those who spitefully use you and persecute you.” Those commands may seem hard, but 1 John 5:3 tells us, “His commandments are not burdensome.” Let that sink in a moment: His commandments are not burdensome! In other words they are not irksome, oppressive, or grievous!

God does not ask us to do hard things; He asks us to do impossible things—things that cannot be done outside of Jesus Christ. But whenever God asks us to do something that is impossible, He also anoints us to do it. He provides the will, the means, and the grace to do everything He commands us to do. His anointing will break through every obstacle we may encounter.

Wayne Stiles said this: “We won’t experience the joy of God’s power if we keep running from impossible situations.” If God asks impossible things of us, He plans to do the impossible for us. God will lead you and guide you in such a way that transformation is the end result. God may allow you to go into a fiery furnace, but you will come out with a testimony, fireproof and triumphant!

What happens when we avoid hard things? The answer is, hard things come to us. Have you ever tried to escape something that was difficult only to run right into it? There’s a class that you’ve got to take in the school of the Holy Spirit, and that is Hard Knocks. But look in the mirror and tell yourself, “I can do this!”

Difficulties arise because we need to learn to confront life from a different perspective that comes with a new set of values. When we walk contrary to the way of the world, there will be difficulties. Our friends won’t understand us. It’s as if we’re speaking a foreign language. We’re talking holiness; they’re talking ungodliness. We’re talking righteousness; they’re talking unrighteousness.

Difficulties also exist for our growth potential. God will stretch us: This can be painful at times, because it requires leaving our comfort zones.

Scripture is full of examples of people who didn’t want to do what God told them to do. Moses struggled with God’s command to confront Pharaoh about freeing the children of Israel. And Jonah didn’t want to go to Nineveh, so he purchased a ticket to somewhere else. He ended up in the belly of a big fish until he repented. Then God delivered him, and he went on to Nineveh.

Jesus said, “Come to Me all you who labor and are heavy laden, and I will give you rest. Take My yoke upon you and learn of Me; for I am gentle and lowly in heart and you will find rest for your souls; for My yoke is easy and My burden is light” (Matthew 11:28-30). Note: “My yoke is easy”…but it’s still a yoke. “My burden is light”…but it’s still a burden. The good news is we don’t have to carry it alone.

Here are five things you can do through Christ, when faced with difficulties:

1. Be determined to do God’s will: When Jesus was in the garden of Gethsemane (Matthew 26:30-46), He struggled in regards to the bitter cup, wrestling with the purpose that the Father had set out before Him–so much so that blood, like drops of sweat, poured from Him. Yet He said, “Not My will, but Your will be done!”

2. Obey the Lord, no matter how silly or difficult it may appear: In 2 Kings 5:1-14 we read about Naaman, a valiant man, a champion among his people. The Bible says Naaman was a leper. He was also a proud man. He had heard about a prophet in Israel and decided to go to him for a healing. So he left with his entourage to see Elisha and when he arrived at the place where the prophet resided, Elisha didn’t even come out to greet him. Instead, he sent his servant who told him, “Go down and dunk yourself seven times in the Jordan River.” When Naaman heard those words, he was insulted! Dunk in the dirty Jordan? Are there not better, cleaner waters? He was doubly insulted that the Man of God had not come to him personally. But thank God, He always has someone with good sense in the midst! As Naaman turned to depart in his anger, some of his servants said to him, “This is a small thing that the Prophet asks of you, to go, dunk in the water. What have you got to lose?” So Naaman humbled himself and did as he had been instructed by Elisha…and he was healed!

3. Keep your eyes on Jesus: Hebrews 12:1-3 says, “Let us lay aside every weight and the sin that so easily ensnares us, and let us run with endurance the race that is set before us, looking unto Jesus, the author and finisher of our faith, who for the joy that was set before him endured the cross…” Everything within you might be fighting to do the right thing, while everything that is wrong is pulling at you: Tell that person off! Lie to your brother! Cheat on your taxes! But just declare, “I can do all things through Christ who strengthens me!” When you keep your eyes on Jesus, you will never go astray!

4. Expect God’s grace to do what God requires: In 2 Corinthians 12:7-10, Paul speaks of his thorn in the flesh, a problem that troubled him night and day. He went before the Lord three times and asked, “Take this away from me!” But, instead, the Lord gave Paul a revelation. And that revelation is just as valid for you and me today. God said, “My grace is sufficient for you, for My strength is made perfect in your weakness.” God’s got grace for everything you and I might encounter in life. And that grace, my friend, is all sufficient!

5. Enjoy the blessings of faith and obedience: James 1:22-25 says, “But prove yourselves doers of the word, and not merely hearers who delude themselves. For if anyone is a hearer of the word and not a doer, he is like a man who looks at his natural face in a mirror; for once he has looked at himself and gone away, he has immediately forgotten what kind of person he was. But one who looks intently at the perfect law, the law of liberty, and abides by it, not having become a forgetful hearer but an effectual doer, this man will be blessed in what he does.” The blessing comes not just by hearing the Word, but by doing it. And when you do the Word, you will enjoy the blessings that come from the Lord!

These principles will help you live victoriously in whatever situation you face. When difficulties come–and they will–stand on the promises of God. Declare “I can do this!”