If your economic or career position is not where you think it should be then you should listen to Joel and learn how to create a more positive outcome in your life. Maybe you think God has not been favoring you in life. Joel Osteen will help you understand that your question should not be “if” but “how” you will receive Gods grace.

Filled with practical ways you can change your internal dialog, Joel will keep you motivated and inspired to take immediate action in your life. This is an audio book you will want to keep close for constant Inspiration and a reminder that you can and will live the life you desire.

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It’s Your Time: Activate Your Faith, Accomplish Your Dreams, and Increase in God’s Favor

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To prosper in this environment of increased laws you will need to change your viewpoint and look for opportunities within these new regulations. While managing a seafood business was amazed at the many regulations we had to comply with. I became frustrated with the many rules and regulations, most of which I felt where ridiculous.

It was not until I changed my internal dialog that doors opened leading towards prosperity. Instead of complaining I began to ask myself a new question, “how can I profit from this new regulation”. This is when I discovered new ways to make the business more profitable. The following is a list of the methods you can use to turn government regulations into profits for your business.

There is an old saying “when life hands you lemons make lemonade”. This axiom can be applied to many government regulations. As any business owner knows the only thing we can be assured of is change. I challenge you to think of this change in a new light. If you or your business is having to comply with a new local, state, or federal law, it as an opportunity. Investigate opportunities withing the new legislation, and turn politics into your profits.

If you are ready to make a positive change in your life but don’t know where to begin I suggest you read Anthony Robbins Awaken The Giant Within. You will learn how to control of your life using your most important asset, your brain, and use it to take immediate action towards your goals.

Awaken the Giant Within will direct you towards achieving your goals and serve as a constant resource while achieving those goals. Learn how to reprogram your mind and change the way you view the world and thus changing your outcomes in life.

Anthony Robbins and the tools in this book have helped me achieve my dreams. Many talk of changing their lives in order to stop smoking, lose weight, or become financially secure. By reading this book you will take immediate action towards these goals. Once on the path toward your dreams you will realize your potential is limitless.

The most important lesson I learned while reading this book was how to change limiting beliefs in my life and start dreaming again. I learned you truly can achieve what your mind believes.

I recommend your reading this book and using it as a reference as you work towards your goals. Using the tools in Awaken The Giant Within you will produce positive change in your life.

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Light brown with numerous scratch marks and dozens of black stains in the drawers, the desk obviously saw many hours of use. A few days later after placing the desk in my office, my friend Bob stopped by.  He was concerned because he felt my desk should be something more polished.  I turned to Bob and said “our customers don’t care what type of desk I have in my office.  Our customers care about the price and quality of our products.”

I did touch up the desk to make it neat and clean, but maintained its rustic look.  Having owned and operated various businesses, I knew it was more important to focus on the customer than on the furniture in my office.  Besides, we had just begun our business and our sales where not even fifty dollars a month.

The business grew from monthly sales of less than fifty dollars to more than fifty dollars every five minutes, changing our financial position dramatically. During this period I became more aware of how old the desk appeared.

Sitting in my office one day I studied every ding, dent, cut, and stain on the old desk. I wondered why I liked the old wooden desk.  Suddenly, I came to the realization that the desk symbolized two important things to me.

The wear and marks on the desk symbolized the hard work involved in growing the business. It further reminded me of something equally important, the customer. All of our customers where contacted by phone and visited at their place of business. They didn’t care what size desk I sat behind, they where more interested in the value I brought to them in the products and services I sold.

I kept the desk as a reminder it’s not the size of the desk that matters, but the hard work and integrity of the person behind it. The old desk was a constant symbol of this simple truth.

Most people can’t change jobs because they have pursued a career which pays them a salary they enjoy but is not fulfilling. And now they have come to a point in their life where they have matched their lifestyle to meet their income and feel trapped. Sometimes they get out of college and realize that they pursued a degree for the wrong career.

Until you realize the truth in the amazing paradox that the road to wealth has little to do with money, you will block your path to becoming wealthy. Bob Proctors audio book “It’s Not About The Money” is a must if you want to pursue a more fulfilled and abundant life.

Business and personal success are many times intertwined but have distinct differences and nuances that Bob Proctor clearly describes in his audio book. In our personal lives we want to become wealthy but many times don’t understand the meaning of wealth. Bob Proctor gives a non traditional definition of wealth and a road map to pursuing an abundant life.

If you think a business exists only to make money then you need to read this book. You will realize a business exists not to make money but to fulfill a need.

I suggest you listen to this book often either while driving or at home. It will set you on the path to greater wealth in both your personal life an your business. It is not until we realized “it is not about the money”, that we will truly become successful and lead a rewarding and abundant life.

Do you find yourself stuck in a job or business without a purpose and feel unfulfilled? Are loosing customers in your business and your employees are lacking motivation? Do you want to increase your self awareness and lead a more abundant life? If you answered yes to any of these questions I suggest you listen to Bob Proctor’s “It’s Not About The Money”. It could change your life.

Audio book version from Audible:

It’s Not About the Money

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The Secret by Rhonda Byrne gives insight into how we can affect our lives through what we read, think, feel and do. Byrne’s book is an outstanding compilation of examples of how you can change your life through implementing simple “secrets” such as the power of positive thinking.

I always find it fascinating to hear stories of others success in life. The Secret is full of inspirational stories and practical advice on how to become successful in all areas of your life.

If you read a few pages of this book a day and assimilate the advice and practices described, you will lead a more fulfilling life. I recommend your keeping this book close at all times during the day to use as quick reference when challenges arise.

Read The Secret:

During discussions of important social and economic issues, such as gun control, we often hear a politician on television espousing the need for more gun control and further restrictions on legal personal ownership of hand guns. Lott demonstrates legal guns in the hands of law abiding citizens reduces likelihood of a crime committed against a citizen. States with concealed weapons laws saw a decrease in crime continuing years after the law was enacted. To my amazement, Lott further proves the assault weapons ban did nothing to reduce crime, with the murder rate actually falling after the assault weapons ban was lifted.

An expert in the field of crimes and punishment, Lott was a member of the United States Sentencing Commission from 1988 to 1989, and he has some interesting findings. One finding concluded harsher punishments should be imposed for lesser environmental crimes. The purpose of the larger penalty is to offset the higher probability of smaller criminals getting away with the crime. This is an eye opener on proper sentencing and helped me understand why it is important to enact punishments and deter even the smallest offender. As Lott explains, the smaller offender can easily get away with at environmental crime, because a large oil spill will be noticed before one barrel thrown over the side of a boat.

Lott demonstrates how limited government ownership and controls are beneficial to our economy. Government run organizations such as the postal system lead to predatory pricing by the government when private industry competes. The government can raise prices on services the post office has a monopoly, and reduce prices where they must compete such as express mail. The government was even considered as a solution to subsidize radio broadcasting. In the early days of radio, broadcasters could not figure out how to make customers pay for the service. Thankfully, private industry discovered the radio could be funded not by government, but by commercial advertising.

Reading Freedomnomics will enlighten the reader relating facts which will astonish and sometimes make you want to applaud the free market system. John Lott educated me with other examples of how the free market works, and further explains in a narrative and easy to follow manner why we should continue to allow the free markets to prevail. The statistics and examples he uses are indisputable. This book should be retained as an affirmation when you doubt the benefits of the free market system.

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Michael began his adult life as most of us do, graduating college and working for a large corporation. As many working professionals can relate, he discovered working in a large company was not his true direction in life. If you are stuck in a cubicle hard at work and are trying to avoid the political drama at work, you will share his angst when he speaks of attending unproductive meetings and his yearning to leave a boring job.

Katz attained his goal of leaving his “secure” job with a large company and striking out on his own. If you are thinking of leaving your job, or you have recently joined the ranks of solo professional, this book is a must for you. The greatest benefit to the reader is the authors ability to candidly tell us his experience, and make the reader realize he is not alone in his struggle to make it in the world as a solo professional.

Since I am also a mid-life individual who changed course in his professional life, I felt as if he was speaking directly to me, although I can’t relate to his struggle with baldness. My hair is all there, but has turned gray.

The chapter I enjoy most is entitled “Become a Leading Expert in Something”. Michael Katz is an expert in development of electronic newsletters, and one day found himself with a client who was a life coach. This life coach had lived the majority of her life with chronic illness, but had not capitalized on her uniqueness in raising a family and building a successful career while battling this illness. Michael while consulting with the life coach on a newsletter was able to refocus her efforts and declare her new expertise. Now the life coach can be defined as an expert in the field of thriving in the workplace while having a chronic illness.

If you are on the fence thinking of starting your own business you will enjoy his “10 Really Good Reasons to Quit Your Job and Start Your Own Business”. Some of the top ten reasons I enjoyed include: dancing to your own music, never having to retire, and finding your purpose.

This book is typical Michael Katz, funny, informative, and a great read. Although his book focuses on the solo professional, much of his advice transcends the sol proprietor and is good advice in being successful in both your personal and business life.

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Awareness concerning the increased production of Carbon Dioxide by electrical generation facilities has spurred new interest in energy sources other than fossil fuels. Carbon Dioxide, an odorless colorless gas is an important part of the carbon cycle which consists of the production and consumption of Carbon Dioxide in our earth. The balance of Carbon Dioxide in our atmosphere has increased in part due to our expanding consumption of electrical energy.

The production of electrical energy in the United States is largely dependent on the burning fossil fuels. The burning of fossil fuel such as coal, oil, and gas increase the amount of carbon dioxide in the atmosphere, thus negatively impacting the carbon balance in our atmosphere.The increased output is a concern of the citizens in the United States and World, but what can we do to help? Nuclear Energy Now, by Alan Herbst and George Hopley describes how we can solve both our increased need for energy while reducing carbon dioxide emissions.

The authors of Nuclear Energy Now give a compelling explanation as to “why the time has come for the world’s most misunderstood energy source”. I find their solutions easy to understand with a wealth of information to support their thesis.

Nuclear Energy now is a ready reference of information concerning the nuclear energy industry and world energy usage. Persons wanting detail information regarding the benefits of increased nuclear energy production will find a modicum of information. Those wanting to survey the major points with minimal detail, will find their summaries both compelling and logical.

If you are like me and want to receive detailed information concerning the use of Nuclear Energy and the benefits to our environment and economy, this book will serve you well. If you are researching only one aspect of this large and complex issue, you will also find Nuclear Energy Now a necessary reference.

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Recognizing this lending practice as a problem, I decided it was time to discontinue investing in Savings and Loans.  Then the S&L crisis hit and I was glad to no longer be involved in the market.  Since most of my money was in cash I was able to purchase stocks and other products at a much lower cost.

The savings and loan crisis was an important experience for me because I learned a valuable lesson.  Recessions allow those with money in the bank to buy at bargain prices. Recessions are similar to clearance sales where you can buy businesses, cars, or homes at a big discount.

Using a simple principal that tells me to only invest in what I understand, I was able to get out of the stock market during the dot com bust and the current economic down turn because I did not understand either market.  Some of you have been caught in the current economic downturn, and I would like to share with you simple financial principals which helped me increase my net worth over 10 times in the past 8 years, including the current recession.

1. Self Reliance

First, the best person to rely upon for your financial success is yourself.  You are the one who determines your wealth and your income.  If you make proper choices and take action, you can turn an economic slump into a financial boom for your personal finances.

2. Don’t believe the “experts”.

Second, listen to the financial experts, both personal and in the media, with great skepticism.  You must rely upon yourself to understand what is best for your financial situation and then apply your own principals.  If you don’t understand an investment don’t risk your money.  Take the time to learn everything concerning the stock, real estate, or other investment you might put your hard earned money towards.

3. Save more than you earn.

Third, to increase your net worth you must spend less than you earn and invest the rest.  When you invest your money you must invest in what you know. For some of you that might be a simple savings account.

4. Check your progress.

Fourth, consistently check your progress on the path towards financial success.  It is interesting how we spend more time planning parties and vacations than we do planning our financial future. Take time to look over your financial goals and your results monthly.

These are basic principals I use to move towards increasing my net worth. To implement the above strategies certain financial concepts must be understood which will help answer the following questions; What is wealth and net worth?  How do I increase my net worth and my wealth?  Why are many of the economic experts on TV wrong and why?

Read my next series of articles to get the answers to these questions and more.  They will help you move towards financial independence which will enable you to be a more willing participant in the next recession.

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The Savings & Loan Crisis