Category Archives: People

Catcher

1) Make yourself vulnerable
2) Demonstrate grace
3) Stand apart
4) Identify with the broken people
5) Speak life

Learn from my mistakes
Use what you have
Do everything for the Lord

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!

15 Key Apps For Entrepreneurs

Designer

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.

Want to Be Taken More Seriously? Start Doing These 5 Things

 

There are a number of contributing factors that make it challenging to be taken seriously in the professional world. It can be something irrational like your age, sex, height, or even voice that cause others to incorrectly assess your worth. Sometimes it can even be certain behaviors you exhibited that were misperceived by others and now you’ve been pigeon-holed and deemed less-professional or adept than you really are. However you’ve been misunderstood, change the attitudes of your work colleagues by committing to a certain way of carrying yourself and living by a clear value system that earns respect.

Inc. recently listed powerful moves you can commit to to influence how you’re seen in the eyes of others and ultimately be taken more seriously. We’ve highlighted our top choices here so you can begin implementing them in your interactions today.

Always be informed. It is better to be silent than to speak when you don’t know what you’re saying. Communicate effectively and knowledgeably on every subject. If you need some brushing up, put in the time to make sure you have all the facts before saying words you can’t take back. Being intelligent is not enough.

Keep your word. If you say you’re going to do something, you better get it done. Never promise something you can’t deliver on 100%. It is always better to be honest than fall short of what you’ve committed to and disappoint your colleagues.

Dress well. You’ve heard about dressing for the job you want, not the job you have. The way you show up to work is an indicator of the respect you have for yourself and the company and the kind of success you’re after.

Be mindful of your tone. In addition to the way you carry yourself, how you speak can communicate beyond the words you’re actually saying. Speak with confidence but also respect, always keeping your ear out for the tone you’re using.

Always be on time. Showing up late is a sign of disrespect and disorganization, two traits that have no place at the office. Practice punctuality and you’re communicating you can be counted on.

10%Better To Win

Influencive

 


Be 10 Percent Better to Win

By Betty Liu @BettyWLiu

 

You’ve read about being 10 percent happier, but what about being 10 percent better?

One entrepreneur, the highly successful and driven Kevin Ryan, founder of Business Insider, Gilt Groupe, MongoDB, and many others, says in order to succeed, you only need to be 10 percent better.

If you doubt his opinion, Ryan told me you need to look no further than Google.

In the latest episode of our Radiate podcast, Ryan notes: “I think one of the mistakes that people make [is] they think their idea is not groundbreaking. And by the way, most ideas are not groundbreaking. Google was a terrible idea when you think about it. It was just a search engine; there already were seven. Theirs was a little bit better. That’s it.

“They had the idea, and the way of doing the search engine was a better way of doing it. And so the results probably 10 percent of the time were fundamentally better. Ninety percent didn’t change, but 10 percent was [better]. And that was enough.”

Hearing this is a relief. You mean I don’t need to build a whole new type of rocket like Elon Musk to become a billionaire? Or invent a whole new electronic device like Steve Jobs?

The more I thought about what Kevin said, the more I realized how absolutely right he was. Most of us think we need to create the next big thing to succeed, and we become frustrated when every single idea seems so inadequate. When I first had my twin boys, my sister and I–ever the budding sister entrepreneurs–thought of a baby gifting business, since both of us were awash in baby drool and diapers all day long.

But when we scanned the internet, there were already dozens of gifting sites just like ours. And they were pretty damn good. Motivation sapped, we hung up the idea after a few sketches and late-night brainstorming sessions. Besides, did we really think we were the only ones with this great idea?

When I think back on it, we were just too inexperienced to understand that precisely because there were so many companies with the same idea out there, ours was actually a good one. And in fact, thinking about it some more, many of the smashing success stories you read about are companies that simply improved on what others were doing:

  • Facebook: Remember Friendster or MySpace? Mark Z just made social networks better.
  • Microsoft: There were half a dozen operating systems already from IBM, Atari, and others. Bill Gates just made his better.
  • Starbucks: Coffee shops were everywhere (that’s why venture capitalist Alan Patricof declined to invest. Oops). Howard Schultz made his spot a little more comfy.
  • Apple: BlackBerry was already making a pretty good phone. Steve Jobs made his iPhone better.

Now that I’m starting a company of my own for real–no diaper ideas this time–I’m taking Kevin’s observation to heart. How do we make our site and network for professionals 10 percent better than what’s already out there? If people are already going to other sites for help with their careers, what can we do that’s different?

That’s exactly what our small team is focused on right now. However, trying to figure that out is not 10 percent harder, it’s 100 percent harder. It seems like an unfair mathematical equation–put in 100 percent of the effort for a 10 percent improvement, but when you’re trying to be the Kevin’s of this world, that’s the kind of math that adds up.

The Toughest Question You Have to Answer

By Craig Ballantyne

There’s a battle being waged in all of us.

One part of us wishes to remain safely inside of our comfort zone. The other part of us knows we should be brave, step-up, and move out and onward to greater challenges.

Your comfort zone might mean the safety and security of a high-paying job at a major corporation. You make more, and have more, than your parents ever did.

“Don’t you dare risk losing that job,” says the voice of your mother in your mind. Just sit tight until the kids are done college, and then we can think about starting a business of your own.

The other voice you hear, encouraging you to explore greater opportunities, is your Big Self (a fantastic phrase I first heard from my friend and mentor, Matt Furey).

Your Big Self represents what you could truly accomplish in life.

Unfortunately, the real world contains many enemies of the Big Self, and it is constantly delivering reinforcements to your Comfort Zone. These reinforcements come in the way of excuses, negative naysayers, fear, lack of self-confidence or self-control, and the bad habits we’ve built up over our lifetime.

And that is why you are in the same spot today as you were twelve months ago, only just a year older.

Today I’ll show you how to break through the stalemate.

But it will only work if you are willing to set down your weapons and stop protecting yourself for a while. Call a truce on the battlefield. Have each side bring out its best thinkers and have them work together as one on this big thinking exercise.

Recently I made this same challenge to over 150 entrepreneurs at a recent seminar. Over the course of two days, my guest experts and I had stood and delivered complete blueprints for making more money, getting more done, and having a bigger impact on the world.

But I knew that many people in the audience would go home, let life get in the way, and return next year without having made any significant changes.

I wasn’t going to let that happen again, and I won’t let that happen to you.

That meant I had to challenge the attendees. I had to show them exactly how to make the mental changes that would allow their Big Self to win the battle.

After I summarized the best moments of the weekend, I paused for dramatic effect, made eye contact with as many people in the room that dared to look at me, and asked, “Are you really living as your Big Self? Are you being the Limitless Leaders that I know you can be? Or are you letting Little Limitations hold you back from greatness?”

These were tough questions. They are tough on the ego.

No one, particularly relatively successful people, wants to feel like a disappointment. But we need to be honest. Are we doing all we can with what we have been blessed with in life?

And we have one of my mentors, Dan Kennedy, to thank for this. You see, several years ago I attended one of Kennedy’s seminars just outside of Cleveland, Ohio. He covered the topic of internal resistance — something I know is holding back many ETR readers.

Dan said, “The failure to act is much more often the product of inner, emotional resistance than external resistance. To move forward you must give up your story, whether it is excuses about your childhood, lack of education, your ‘bad luck’, your unsupportive family, your low metabolism, where you live, etc., etc.”

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It’s time to give up your excuses. It’s time to overcome your natural inclinations of holding back and staying in your comfort zone. It’s time to Man-Up.

It’s harsh, but true. As Kennedy explained, what separates the leaders from the strugglers is often confidence and follow-through, both of which can be derailed by internal resistance. That’s when he taught me “The Exercise”.

Answering these questions is tough on the Ego, but the answers could change your life (if you take action on them). Take the following mental challenge:

1) Ask yourself “The Question:”

“Where you would like to be and have known you would like to be but aren’t?”

2) Be brutally specific and honest.

3) Now list why you are NOT there.

4) Next, identify the changes you need to make.

5) Then take massive action!

Don’t let another year go by stuck in the same place!

You must identify the causes of your internal resistance. Ask yourself “Why?” you want something but refuse to act in congruence with achieving it.

Either say “no” to achievement OR dig in and get to the bottom of the persistent incongruence between what you say and what you do. It is OK to admit you are not willing to pay the price – and by doing so, that will stop self-sabotage. Once you know the enemy, then you can work on overcoming it.

Listen, I know Kennedy can be a little gruff and grumpy, but he speaks the truth and has your best interests at heart. In fact, it’s almost like he’s channeling the wise philosophers of Ancient Greece. I’m currently re-reading a book called, “The Art of Living”, which is a translation of teachings from the Stoic philosopher, Epictetus. In it, I discovered this wisdom:

“Now is the time to get serious about living your ideals. Once you have determined the spiritual principles you wish to exemplify, abide by these rules as if they were laws, as if it were indeed sinful to compromise them. Don’t mind if others don’t share your convictions. How long can you afford to put off who you really want to be? Your nobler self cannot wait any longer. Put your principles into practice – now. Stop the excuses and the procrastination. This is your life! You aren’t a child anymore. The sooner you set yourself to your spiritual program, the happier you will be. The longer you wait, the more you’ll be vulnerable to mediocrity and feel filled with shame and regret, because you know you are capable of better. From this instant on, vow to stop disappointing yourself. Separate yourself from the mob. Decide to be extraordinary and do what you need to do – now.”

Take the challenges set forth by Kennedy and Epictetus.

Identify what is holding you back.

Release the brakes.

Become the Big Self and Limitless Leader that I know you can be.

Overcome your obstacles. Defeat your internal resistance. Never give up on what is important to you. So much can be accomplished with a long-term vision and resilience to short term setbacks. If you persist and never give in, you WILL succeed. You can have the life of your dreams while helping and transforming the lives of millions.

Get out there and take action today. Throw the rock of helping into the pond of transformation and watch as the ripples take shape.

Change a life today — starting with yours.

If you need to make a change in your health, start here with my biggest challenge ever to you

About the Author: Craig Ballantyne is the founder of EarlyToRise University and the author of The Perfect Day Formula. His straightforward, sometimes “politically-incorrect” advice has helped millions of people transform their lives both physically and financially. Craig’s secret weapons for success include his personal commandments, his 5 pillars, and his Perfect Life vision. Click here to learn more from Craig so that you can get more done, make more money, and live the life of your dreams.

7 Things Really Successful People Never Do

What differentiates those who are successful from those who are not? There are lots of ways to approach that question, but one of the most powerful is also one of the most simple.

It’s a matter of habits. In business and in life, if you truly want to succeed, there are some habits that work and there are other habits that never should be repeated.

If you’re not as successful as you want to be and you know you can do better, copy the habits of those who are successful.

Just as important, eliminate any of your own habits that are holding you back. Here are seven top candidates — habits that successful people never allow:

1. Believing you can please everyone.

Once you truly understand that it’s impossible to please everyone, you learn not to even bother trying. It’s nothing but a recipe for disaster, misery and frustration — and one of the biggest keys to failure.

2. Repeating what didn’t work the first time.

Whether it’s in business, a job, or a relationship, successful people do not repeat the same mistakes. If it didn’t work the first time, they don’t try again expecting a different result. Successful people know that mistakes are for learning, not for repeating.

3. Accepting short-term contentment over long-term value.

Successful people know that things take time, and it’s the daily grind that in the end will get them to their dreams. It’s the small painful steps you go through day by day that will benefit you in the future. If you can make it through the pain you will get to the gain.

4. Compromising themselves to fit in.

Successful people never try to adjust themselves to fit in to the crowd. They understand that who they are is what they are, and they don’t try to change themselves for others. The bad news is that if you want to succeed, you are not going to fit in with everyone. The good news is that the great ones never do.

5. Trusting something that looks too good to be true.

No matter how great something looks on the surface, successful people do their due diligence and make sure that what they are looking at has actual value and is worthy of their time. They know that when something looks too good to be true, it probably is.

6. Taking their eyes off their vision.

One trait virtually all successful people share is focus. They never take their eyes off their visions, dreams and goals; they do what they need to do and they do it with meticulous determination. People who are successful know where they are going, and because they do, they succeed. It’s as simple as that.

7. Disconnecting from reality.

Who you are on the inside should be what is reflected on the outside. The moment there is a disconnect between the two, there is dis-ease within yourself. Success requires that you bring all parts of who you are — inside and out — and that you keep everything in sync. It isn’t easy, but the people who are most successful never fragment themselves to be successful.

Start today to examine your own habits, determine what’s leading you toward success and what’s in the way, and make the changes you need to — for the sake of your future.