This is the encouraging email I received from Mark Tuttle of Live Your Truth in response to a job I didn’t get.
I just felt like I should reach out to you and let you know that, although we don’t have a position for you I want to encourage you to keep up the great work.
I know there is a better position for you out there for you.
One reason I know that something will work out for you is you are living true to yourself, which is more than anyone else can say.
Thanks Thom, I know that your application for us was just the start and something will show up very soon.
Keep putting yourself out there, great things will come your way.
Thanks for your time!
Social Media & Email Manager
Live Your Truth LLC
Many times people have million dollar dreams and $10 effort or commitment.
Dreaming is the easy part - yet results require commitment, follow through, determination, and consistent effort to create the desired outcome.
I see often people who begin a path with great excitement and fervor, only to wilt, fade, or QUIT at the slightest inconvenience or bump in their path.
Greatness requires our best and although it may not always be easy, it will so be worth it.
Stay loyal to your dreams. Be willing to pay the price. Show up, serve, and sacrifice and you also will meet with success. It becomes only a matter of time before your dreams are yours -
This is your choice…
"@wdpalyu: Does the book of Mormon contain the Longhorn’s playbook? #TEXvsBYU" - Reply, @tlreed97: @wdpalyu yes, it’s in the book of Taysom, chapter 40 verse 21.
@tlreed97: Right now, the song from Public Enemy is coming to mind “Shut ‘Em Down” http://t.co/PrbzNoyy0C #GoCougs #byufootball #TEXvsBYU
RT: @hooray_4_you: Dunkin Donuts just changed their slogan to everyone runs on Texas; #TEXvsBYU #byufootball #BYU”
QT: @tlreed97: “@mckinneykelsey: David Ash will leave the game on account of a sprained ego and torn sense of self. #TEXvsBYU” #GoCougs
@tlreed97: Are we trying to hand this game back to Texas like we did last week vs. UVA? #stayfocused #GoCougs #TEXvsBYU
QT: @tlreed97: “@zbloxham: #ZionCurtain”#4thdownstop #GoCougs #TEXvsBYU
RT: @SportsCenter: UPSET ALERT brewing in Provo. BYU leads No. 15 Texas, 27-14, at half. Cougars have outrushed ‘Horns 348 to 59. WOW!
#TEXvsBYU on ESPN2
RT: @RickAaron: You win some. You lose some. You Taysom. #TEXvsBYU
QT: @tlreed97: “@fuegote: I enjoy watching 15 Texas get their lunch handed to them.” #TEXvsBYU #byufootball
@tlreed97: #BYUFootball looking good so far in the first half. #TEXvsBYU Go COUGARS!!
@tlreed97: Kids are watching “Oz, The Great and Powerful”, I’m watching #byufootball. #Priorities #TEXvsBYU #GoCougs
First off, thanks for taking part in this free e-course! I’m excited to be able to share some information with you about what is possibly the most boring topic imaginable: budgeting.
On a personal note though, this is right up my alley. When I started attending college there was one major that kept calling my name-accounting. They accepted me before I had my charisma bypass surgery. I was a natural from the start!
With that said, I warn you that this course is written by an accountant. What’s more is that it’s written about budgeting. Even more astonishing, I actually take the idea of budgeting extremely seriously. When you have no personality, these types of things become very important to you.
This course is broken up into 10 days. Over the course of ten days we’ll discuss everything from spontaneity to boxing, and marriage to dollar unemployment. I hope to keep this quite personal, and have written it in such a manner. You’ll hear my experiences and those of others with whom I’ve worked. My hope is to have you so consumed with resolve to get your financial house in order that you’ll be absolutely, positively dying to get on a budget. You do need a budget, after all.
Your Budget - Your ROCK
If you have read any personal finance books you may not have realized this, but the vast majority of them are doing you a huge disservice.
Read carefully and you’ll notice that every “guru” mentions the need for a budget. Every one of them stresses its importance for…oh, about three sentences. Then they move on to catchier, more popular, more saleable things.
That’s the biggest problem people have with budgeting-it doesn’t sell. It’s not sexy. It’s not complicated. As a matter of fact, a lot of times an author sells a book on the illogical premise of over-complicating something that was simple to begin with. Not so with a budget - it’s just too straight-forward.
Sorry Mr. Guru, you don’t have a chance with this one. You’d best write about intelligent portfolio allocation or super-mega-rapid-debt-repayment-strategy optimizers.
I am, of course, being sarcastic. But the fact still remains that the budget is not given the attention it deserves. Again, it’s boring.
BUT, it is the ROCK upon which your entire financial life is built. It is your foundation. All other financial decisions are appendages to the budget. The budget is the tree. Your retirement plan is the fruit. The budget is the massive trunk, rooted deep into the ground, immovable by any force. The new car you want is the fruit. The house you want-the fruit. The college savings you’re dying to put away for your kids is, you guessed it…the fruit.
If the tree isn’t there, neither is the fruit.
Advice from a Guru: “Make sure you’re putting away at least 15 percent of your retirement into no-load mutual funds with solid track records.”
But you still need to find the 15 percent.
Advice from a Guru: “You can utilize many options to save for your kids’ college: 529 plans, ESAs, etc. It’s an absolute must that you begin putting money away today.”
But you still need to find the money.
Most financial books focus on the fruit. During this course, we’re going to focus on the tree. The fruit needs to come from somewhere, and that’s ALL we’re going to talk about (well, almost).
Tomorrow we’ll discuss the bad rap the budget has received and expose those dirty lies for what they are. In two days we’ll hit the First Rule of Cash Flow in depth.
Grab a pencil and paper and write down the “fruit” you would like to grow from your financial tree. What will you do?
Get out of debt?
Pay off your home?
Invest more earnestly for retirement?
Put away money for a fancy vacation?
Buy that flat-screen plasma HDTV?
Write down your financial goals. As we move through this course you’ll have your eyes opened to the reality of those goals-they are a reality. You just need to plant your tree, help it take root, and watch it grow.
Write down your short- and long-term financial goals.
- Jesse Mecham
P.S. Enjoy the course!
Harvey Mackay’s Column This Week
Clear thinking is in critical condition
By Harvey Mackay
A Midwest university professor complained: “We are now focusing more on how to use the tools of communication than we are on how to effectively communicate … As a result, we are turning out computer and internet gurus who can’t write and think creatively.”
You bet they are. Making your points to your boss or anyone else requires more than information. It demands the critical thinking that convinces them of your point of view.
I would venture as far as saying that technology has set us back in the general field of thinking, trusting gadgets to do some of our thinking rather than using them to enhance our lives.
Critical thinking has never been more important - or more challenging. With so much information bombarding us 24/7, sifting through the content to find factual, legitimate and useful material is no small task. Do you believe everything you read or hear? Do you check sources?
Thomas Edison, the genius of invention, had a way of thinking that was both critical and creative. Fortunately, it isn’t only a natural-born talent. It’s a habit you can cultivate. Take some lessons from Edison’s thinking processes:
These techniques may not make you into Thomas Edison, but they will help you learn to filter out the garbage that clouds your thinking and decision-making. And there is plenty of junk floating around out there. I would also recommend these two rules:
Changing your thinking patterns takes practice. But as it becomes habit, you’ll notice that you will not second-guess yourself as often and will spend less time worrying about “what if?”
Critical thinking can also help you with creative solutions to problems.
A woman had traveled about six miles in a taxi when she discovered that she had left her wallet at home.Realizing that she had a problem, she knew that she had to take some kind of action. So about a block short of her destination she leaned forward and told the driver: “Stop at this hardware store. I need to buy a flashlight so I can look for the hundred dollar bill that I dropped back here.”
When she came out of the hardware store, the taxi was gone.
Mackay’s Moral: Critical thinking is critical to success.
Making your goals means making a plan
By Harvey Mackay
Okay, all you golfers-ever played a skins game? In simple terms: players during a round of golf wager on the best score for a single hole. If there’s a tie, the “pot” rolls over to the next hole. One result of a skins game can be to up the ante on each hole. The backlash is taking your eye off the long haul. In a skins game, you play for short-term stakes. As a result, strategy goes out the window.
Unfortunately, some people run their businesses that way.
They muddle along in a never-ending skins game. This doesn’t just happen in tiny companies. An insider at a famous blue-chip giant once quipped: “Our idea of long-term planning here is deciding what we’ll do after lunch.”
Anyone who has participated in a skins game on a golf course knows the painstaking attention paid to the line of every putt. It’s a lot like what Peter Drucker describes as “the last of the deadly sins” of business, which he defines as “feeding problems and starving opportunities.”
Peter Drucker has long been considered the definitive authority on business planning. His principles are still widely used decades after his revolutionary writing on the concept
of “Management by Objectives.” Drucker sorted out a baffling world.
Planning boils down to two fundamental processes: goals and objectives. It is important to distinguish between the two. Goals are considered the purely quantitative and mostly financial targets. Objectives are more qualitative and elusive.
Make your goals, and you stay in business. Advance your objectives and you build a business worth having. The distinction between goals and objectives is hardly pure. Often objectives have quantitative measures attached to them as well. But they are rarely just numerical yardsticks.
At the age of 85, Drucker wrote Managing in a Time of Great Change. A key premise: “Uncertainty - in the economy, society, politics - has become so great as to render futile, if not counterproductive, the kind of planning most companies still practice: forecasting based on
Translation: Things no longer rest on a predictable base. How would I describe this sort of uncertainty? We live in a world where: “Computers make very fast, very accurate mistakes.” And, “Artificial intelligence usually beats real stupidity.”
Companies spend days, if not weeks, agonizing over their mission statement and business plan. How much precious, misspent time goes into the process? Get the business model right. Then accessorize it with the details. You may not need more than a few action plans focused on
very restricted areas.
In real estate, it’s location, location, location. In management, it’s preparation, preparation, preparation. But, be very, very careful. It’s not the sheer magnitude of the
preparation that matters. It’s the relevance of what you do. Is it clear? Will it change behavior? Does it sizzle?
Business can take some lessons on preparation from world class athletes. For a recent seminar on goals and planning, I invited Peter Vidmar to be my guest. Peter is the highest
scoring American gymnast in Olympic history and was the star of the 1984 Olympic Games in Los Angeles. He captained the USA men’s gymnastics team to its first ever Olympic gold. He is now chairman of the board of USA Gymnastics and a broadcast commentator.
Peter understands goal-setting in a very tangible way. Preparing for the Olympics is a life quest for these athletes.
He offered this advice: “Goals have to be realistic. I really take issue with any of those people who say you can be anything you want to be because that’s really not true. I’m 5’ 5” and 130 pounds. There is no way I’m going to end up in the NFL. I think goals need to be measured and clearly defined. They also need to be time sensitive. You should give yourself deadlines.
"I think a goal should answer some questions," he continued. "In other words, be specific. It should answer ‘what’ - what is it that you want to accomplish? It should
answer ‘why’ - why is it important to you? It should answer ‘when’ - when are you going to get this done by? It should certainly answer ‘how’ - how are you going to do it? Make sure your goals are meaningful for you.”
And finally, Peter said: “When you work with a team, and when this goal is going to take a team effort, you’ve got to figure out a way to get each member of the team to take
ownership of the goal themselves.”
Mackay’s Moral: You’ll never reach your goal if you don’t have one