Creating True Wealth  

www.Books2Wealth.com  

Issue 90 / July 23, 2010 / ISSN 1945-9300    

IN THIS ISSUE   

Guest Book Review  

Live Your Dreams a Les Brown Book

A Book Review By H. Kim 

Guest Article 

Can You Retire?  

by Penelope Tzougros 

Guest Article 

Stay Focused on Your Dreams
by Jack Canfield   

Time Management by Roger Thomas Lincoln

Good Time Management  

By Lara Sodon 

Read the Creating True Wealth Blog  

(click on the link above) 

Successful people read - Reading leads to Success!   

Why are your dreams important?   

Your dreams are important, very important. All success starts as someone's dream. You dream of what could be and then you make it happen - that is the shortest formula for success. 

Dreaming by itself does not get you very far. Many people are dreamers - they think about how things could be or what they would like them to be, but they fail to do the things that make those dreams come true.  

Before we get to the planning, study, research, due diligence, implementation, execution and all that - we have to start with the dream. Do not allow life's disappointments and road blocks squelch your dreams. Keep on dreaming, just do not forget to do something about making those dreams come true.  

Daniel R. Murphy  

Books2Wealth.com   

Visit my blog at:  

Blog: http://books2wealth.blogspot.com/   

Send your questions and suggestions to me at:  

Email: info@books2wealth.com   

Visit our website at:  

http://www.books2wealth.com   

Learn from a Legend!  

The late Jim Rohn is a legend in the personal development field. For over 50 years he taught and inspired millions of people to succeed and exceed their expectations. His philosophy of personal development is fundamental and proven. Read more about Mr. Rohn and his timeless wisdom here.   

Inspiration in a few words:  

Some look at things that are, and ask why. I dream of things that never were and ask why not? - George Bernard Shaw 

Guest Book Review  

Category: Success / Personal Development   

Live Your Dreams a Les Brown Book

A Book Review By H. Kim  

"In the end, it is the person you become, not the things you achieve, that is the most important." 

"Begin to read a book that will help you move toward your dream." 

"Anytime you suffer a setback or disappointment, put your head down and plow ahead." 

I like really Les Brown. I have never met the man, but having heard him speak on audio and having read his books, I feel I know him. I first read his book, "Live Your Dreams," back in 1993.  

"Live Your Dreams" is as powerful as it is relevant today as when I first read it. It is relevant because it deals with the issues of setbacks, obstacles, and disappointments that are a part of life's fabric. It is powerful because Les Brown shows us that determination and resolve are fundamental to success. 

You must go get this book. It has been in paperbook for a while now, so it is not too expensive, or better yet, pull out the old trusty library card (that library card - what a great thing).  

Les Brown's "Live Your Dreams" is uplifting and fun to read because it is so positive in its message. Les has overcome so much and he uses his own setbacks, obstacles, and disappointments to teach us the steps to "greatness and living our dreams."  

I love reading books like these. Inspirational books, I think, reaffirm that we are not alone in our struggles. It reinforces the truth that there really is nothing new under the sun. It may be new to me, but chances are it has happened to someone else, too. And that someone else overcame the same setback, or maybe not. Either way, I think knowing that others like Les Brown looked squarely at his challenges and did not blink, did not give up, and did not step back; gives me (or at time, gave me) the will to attempt the same. You can give me a role model like Les Brown any day. 

Lastly, if you are unemployed at the moment, read, read, read. And read books by authors like Og Mandino, Stephen Covey, Harvey Mackay, Napoleon Hill, Les Brown, and Denis Waitley. There are so many great authors out there that have overcome tremendous obstacles both personally and professionally. That they would put it on paper for us to learn from; testifies to their selflessness and I urge each of you to take advantage of that. 

In fact, even if you have a great job, a wonderful family and life, you should still be reading. 

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Although not a job getting guru, Hyo's been around the block a couple of time. So, come over and take a look at some of the strategies, tips and advice, a few laughs and a couple of words of wisdom that he's dispensing, plus his great list of resources at Landing on Your Feet Blog. Come on in, take your shoes off, stay awhile; can I get you a cup of coffee? 

Article Source: Live Your Dreams, a Les Brown Book 

Guest Article  

Category: Wealth / Retirement   

Can You Retire?  

by Penelope Tzougros  

One client said, "They took my money;" another person, two years away from retirement, was angry that the system of investing had let her down. 

For those who thought they were within a few years of retirement the loss or 10% or 40% in their retirement assets was, and is critical. For those who are retired, the loss may seem or be devastating. Emotional reactions are understandable, but not bankable. 

What do you do? 

You are a "snowflake" when we look at retirement planning. I don't mean that your melting away, but I do mean that you are individual, and the best strategies are tailored to your specific circumstances. 

So it is a time to find someone to talk to whom you trust, whom you think is knowledgeable and has your best interest at heart. Maybe have a conversation with several people. 

An accountant's view may be very different from a financial planner's view, which again may be very different from what the most successful person in your family says to you. 

What you are looking for in these conversations is:   

            How much income can you be sure of? Do you know what money you may have left behind at former employers' 401k or pension?

            What is the absolute minimum you need to run your lifestyle? Only you can say what you are willing to cut.

            Will you have to move to cut expenses? There are many helpful books. One isThe 50 Fabulous Places to Retire in Americaby Arthur Griffith and Mary Griffith. She was a guest on my radio show and I was impressed by their research on not only the utility costs in the places they evaluated, but also the entertainment possibilities for visiting grandkids and friends.

            What is the income you need to have a little ease between expenses and income? Most of us like to have some luxuries, something special built into the budget. Credit card debt when you are retired can be frightening.

            How can I best position my assets for both income and growth? Research that you do yourself, or that you pay a financial planner to do, can be significant. You may not know what is available. There are some products that are designed to serve the particularly needs of retirees and those about to retire.

            When do I move my assets to new positions? Again this needs calculation for understanding the tax and estate tax impact as well as the potential range of income for you.

What I say next is in the category of basic principles about money.   

            Good quality investments may show up as paper losses on your financial statements, but historically, good quality investments have come back. Every investment -no. Good quality- yes. We can debate the definition. And as you know past performance is no guarantee of future results. 

            When you're retired you need both income from assets and some growth of assets.

            Create a cooperative of friends in a situation similar to yours. What do you need? Can you bundle your purchasing power to get better deals? Can you brainstorm for creative solutions?

            If you are still working, continue to contribute to retirement. Look for investments that have dividends.

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Do let me know what your own solutions are for facing retirement. If you want my help, I am an   email or phone call away. Retire Now? Next Year? is a telecourse from WealthyChoices® LLC for "do-it-yourselfer's" who want to understand their retirement choices.  Creative strategies can turn what seems to be a bleak situation into one that feels comfortable and hopeful.  

Please visit Dr. Penelope Tzougros at ]http://www.wealthychoices.com . Thank You!  

Article Source:  Can You Retire?  

Guest Article  

Category: Success / Personal Development

Stay Focused on Your Dreams
by Jack Canfield  

"When you're up to your ass in alligators, it's hard to remember
that your initial objective was to drain the swamp!"

I just spent a day conducting my Success Principles Workshop for 200 unemployed men and women sponsored by the Workforce Institute in San Jose, California.  

It was a very revealing day.

First, I was struck by the diversity of the people who have lost their jobs due to the cutbacks caused by the recession--computer programmers, salespeople, managers, artists, trainers, architects, landscapers, lawyers, actuaries, truck drivers, painters and teachers.  

Secondly, I was struck by the mood of resignation and depression that was present in the room when we began in the morning.  

The prevailing belief was that there were not any jobs available and that it wasn't going to get any better anytime soon. People were preparing their resumes, going to job fairs, going to interviews, but with little or no results.  

I was reminded of Spencer Johnson's book Who Moved My Cheese, in which he reports how rats in a laboratory maze are trained to press a certain buzzer with their noses, and once they are reinforced with a reward of cheese, will keep going back to press the same buzzer even though they are no longer receiving cheese for pressing the buzzer. Their noses will become bloody and they will eventually die rather than press a different buzzer.  

Human beings do the same thing. They will repeat a behavior that used to work over and over and over again, even though it is not producing the desired result, hoping that someday it will work again.  

There is something to be said for perseverance in the face of an obstacle, but sometimes you have to come to grips with the fact that a particular opportunity may never exist again.

In my book The Success Principles I teach a formula called E + R = O. It stands for Events + Responses = Outcomes.  

If a certain response (job search) in the face of a certain event (the current economic situation in your area) is not creating the outcome (income) you want, you may have to change your response.  

You may have to try something different, which could include employing a more creative approach to presenting yourself, moving to a new location where the jobs are, changing fields (which might require retraining or re-education), becoming an entrepreneur and starting your own business venture, joining a multi-level marketing company, partnering up with other people to start a service of some kind--all of which may require you to step outside of your comfort zone.  

A good example of what I am talking about is a woman I read about in USA Today. After losing her job she noticed that all the homes that were being foreclosed in her neighborhood were left in shambles, just as the angry people who were forced out of them. She called the local banks and offered to clean them for a fee so that they would be presentable when the banks tried to rent or sell them. Her little venture was so successful that she had to hire several other people to help. She now has a successful house cleaning business.  

I saw a story on CNN about another jobless woman who opened a store to help buy and sell used furniture from the people who were forced to downsize as they were being foreclosed upon or forced to move to smaller apartments. She sold some locally and some on the internet. These are all examples of finding a need and filling it, of getting creative instead of sitting passively by, doing the same old behaviors that are not working.  

By the end of the day in San Jose there was a different mood in the air--one of excitement and enthusiasm about pursuing all of the possibilities that lay before them.  

They had come in at the beginning of the day simply hoping to figure out how to find a job. By the end of the day they were leaving focused on how to create the life of their dreams.  

They had transcended the limited goal of getting back to ground zero and replaced it with a goal of "thrival" rather than mere survival.   

No matter what is going on in the economy...

• hold fast to your dreams,  
•  
• visualize them with feeling twice a day,  
•  
• keep your self-talk positive,  
•  
• surround yourself with positive people,  
•  
• read uplifting books,  
•  
• trust your intuition,  
•  
• take continuous action,  
•  
• expect the best,  
•  
• respond to feedback by making the necessary corrections,  
•  
• and persevere until you get the result you want.  

It's a formula that always works.

After the workshop had concluded, one of the participants came up to me and said...  

"You know, I used to set goals and do the things you were teaching us today when I was younger.  I guess I've just stopped doing the things that work."   

Whatever you do, don't stop doing the things that work. I promise you, if you work the principles, the principles always work.  

© 2010 Jack Canfield

* * *  

Jack Canfield, America's Success Coach, is the founder and co-creator of the billion-dollar book brand Chicken Soup for the Soul and a leading authority on Peak Performance. If you're ready to jump-start your life, make more money, and have more fun and joy in all that you do, get your FREE success tips from Jack Canfield now at: www.FreeSuccessStrategies.com

Your Time: Your Most Valuable Asset by Roger Thomas Lincoln 

Here is another article on how to manage and use your most valuable asset: time. Time is the one asset you cannot buy, borrow or steal. You have a fixed amount, the same amount as everyone else. How you use that time may have more to do with how successful you will be than anything else you manage. RTL.  

Good Time Management  

By Lara Sodon  

Good time management is extremely important especially when building a home based business. Successful people have mastered the skill of time management and the art form of delegating tasks. We all have the same 24 hours each day and trust me I know that you wake up with the best of intentions and then you realize its 9:00 pm and you're not sure what happened to your day. Here are some basic tips to being a successful time manager. 

First, every night before you go to sleep make a list of the most important tasks that must be done the next day. Six is a good number to start with (more than that can seem overwhelming). Make two lists: one for personal and one for business. Write down all of the tasks and then prioritize them. Don't put all the easy ones first. List them in order of importance. 

Second, use a planner. A good planner has a full month at a glance and then a page for each day. Go through the entire year every January and mark any obvious, recurring or important dates like anniversaries, birthdays, vacations, family reunions, etc. After that then tackle one month at a time. Go through 4-6 weeks at a time and mark down personal appointments and activities that you want to attend. And then go through and mark down when you want to work your business. For example maybe you want to work Tuesdays, Thursdays and Saturdays. Figure out what works for you and your situation.  

Third, be wise about how you spend your time. I try to schedule all routine appointments on the same day if possible (i.e. doctor, dentist). I delegate tasks that don't necessarily need to be done by me. TV-I don't watch that much because I just don't but I know people who literally schedule their lives around what's on TV. I won't get on a soapbox but the reality is that our society watches TOO much TV. 

Fourth, your success does not come from some big event or big action. Your success is hidden in the little tasks of your daily routine. Your business building tasks do not have to be in large increments of time. You don't have to devote hours to those tasks. Some tasks can be done in 15 minutes here and 10 minutes there. What small tasks are you capable of doing today that will move you one step closer to your dream?  

Of course, all of these tips rely on one thing: a decision. You must DECIDE that you want to and are willing to take the steps to master the skill of Good Time Management. It IS a decision.

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Lara Sodon is a wife, mother and business owner. She has been building her home-based business for over 15 years. It has provided her balance, flexibility and the ability to be financially independent. Lara's mission is to teach other women to do the same. For more information about building a successful home based business and register to receive Lara's Success Tips newsletter please visit her blog http://www.larasodon.com . 

Article Source: Good Time Management 

You do not have the time to read everything on the internet or in books published in the past or today about success and self development. Creating True Wealth reviews that material for you, condensing it into concise bites you do have time for, and leading you to those books, magazines, blogs and websites that will offer you more. 

I hope you will find the information in the Creating True Wealth newsletter useful. Future editions will highlight other books in the fields of business, sales, motivational materials, self help literature, psychology and other related fields. This newsletter is published weekly on Fridays. - Daniel R. Murphy, Publisher. All content is written by Daniel R. Murphy unless noted otherwise.  

Disclaimer: Nothing in this ezine is intended nor should be relied upon as professional legal, medical or financial advice. If you need personal legal or financial planning advice you should consult a licensed attorney, accountant or financial planner. If you need personal medical advice you should consult your medical professional.  

© 2010 by Daniel R. Murphy  

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