Lisa Nichols – Financial Readiness Assessment

This assessment is simply finding out where you are right now and where you want to be in the future.  A lot of people aren’t aware of a lot of things including spending, savings, debt, etc. So this assessment and the podcasts I have linked at the bottom for you to listen to will face you in the right direction in terms of your financially abundant future.

This assessment is graded on a scale 1-10.  1 being the absolute worse and 10 having a clear understand where you are in the category.  It’s kind of like the wheel of life exercise that I do from time-to-time (monthly to track my happiness).  If you drop below 5 in any category, don’t beat yourself up.  Be bluntly honest and don’t say, “well, I’ve never done that before.”  Rate yourself where you are and be honest with yourself.  I will post the questions and link my podcast down below so you could have a listen in terms of the explanations of each question.

QUESTION 1:
“I HAVE A CLEAR, WRITTEN, WORKING BUSINESS PLAN OR PERSONAL LIFE PLAN.”

QUESTION 2:
“I USE A FINANCIAL TRACKING SYSTEM SUCH AS QUICKBOOKS FOR MY BUSINESS OR QUICKEN/MINT ONLINE FOR MY PERSONAL FINANCES.”

QUESTION 3:
“I HAVE AND FOLLOW CLEAR FINANCIAL GOALS—DAILY, WEEKLY, MONTHLY, AND YEARLY.”

QUESTION 4:
“I KNOW HOW MUCH MONEY I NEED TO SAVE AND INVEST TO ACHIEVE FINANCIAL ABUNDANCE.”

QUESTION 5:
“I KNOW MY MONTHLY BUDGET AND I STICK TO IT.”

QUESTION 6:
“I TRACK MY PRODUCTIVITY AND EITHER RAISE MY PRICES BASED ON MY ABILITY TO PRODUCE—OR HAVE ASKED FOR A PROMOTION AND RAISE AT WORK BASED ON MY INCREASED SKILL SET AND HIGH PRODUCTIVITY.”

QUESTION 7:
“I AM COMFORTABLE WITH THE AMOUNT OF DEBT I HAVE.”

QUESTION 8:
“I CARRY NO HIGH-INTEREST DEBT.”

QUESTION 9:
“I UNDERSTAND THE DIFFERENCE BETWEEN GOOD DEBT AND BAD DEBT.”

QUESTION 10:
“I KNOW THE DOLLAR AMOUNT NEEDED TO MEET MY MONTHLY BUDGET, AND I’VE GOT A ‘COMMUNITY’ THAT HELPS ME ACHIEVE THAT.”

Excerpt From: Lisa Nichols & Janet Switzer. “Abundance Now.”

Now, with that being done and you writing down everything, what was your score? And now the action steps to take yourself to the next level and create cash flow….

Podcasts 

Will be more than excited to hear everyone’s story!  You know how to reach me!

Jack Canfield – Brand Yourself With An Online Persona

“Personal branding online is not about you’ it’s about your content.  How do you become someone worth talking to, or even better, worth talking about?”

3 years ago I was engaged in a online battle of wits on a sports forum that defaced who I was and everything I represented.  Because I saw a racial remark, I retaliated in a way I shouldn’t have and got banned from using Facebook for 16 hours.

The most disturbing part about it was the stalking that ensued.  Someone in Florida who wasn’t too keen on what I said at the particular moment literally stocked me for the next year, trying to find “caucasian/anglosaxon” people on my Facebook and sent them a snapshot of what I said.

For one year….there was a faceless human being who probably had insecurities of his own who followed me and literally tried getting me in trouble at the various work places I had at that particular moment – 10,000 miles away.

Every day, millions of internet users go online with little to no thought of the portrait they paint about themselves in the digital world.   We can make inflammatory comments on controversial blogs, especially politics.  We tweet meaningless messages about our personal lives.  We post questionable photos on our Facebook pages and upload videos of their hobbies, parties, vacations, and friends alongside professional clips on YouTube – never considering what this haphazard collection of information portrays about us.

Listen, people – public content that can be searched instantly by a potential employer, investor, bank loan officer – even a first date…can be used against you.

In terms of successful people, they know how to manage their online persona.  Post only information that will contribute positively to the image they present to the world.  Even when they are voicing their opinions and bring their personality to the internet, they think about the impact it will have.

What does your online presence say about you?

Personal branding isn’t just for celebrities.

The reality is that Facebook, Twitter, Instagram, YouTube, LinkedIn and other platforms of social media can be used BY ANYONE to create a brand.

Personal branding forces you to be crystal clear on what you want to achieve and helps you set goals to get there.  It helps you create visibility and present, which attracts likeminded people.

So what are the steps to creating a personal brand online?

Step one: Decide who you want to be.

To develop an online persona or “brand” that will advance your career, business or cause, start distributing content that positions you as someone who can benefit a potential employer, customer, investor, future mentor, coach, or sponsor.

Step two: Determine the market you want to reach.

What categories of people will benefit the most from your knowledge, expertise, or opinions? Do they work in your industry, have an interest in your friend of study, or are they random consumers who have the same hobby, decorating ideas, fashion sense, or entertainment preferences that you do?  Also, as part of the process of determining the market you want to reach, be sure to take a moment and Google yourself.  Is this what you want people to see? Next, Google your top “competitor” by name.  What do the search results tell you?

Step three: Start a blog and build a website.

In the beginning of my journey, I was just a podcaster who sent audios to my friends.  Now I’m posting links to my podcast along with inspirational photos on my instagram which automatically get uploaded to my Facebook page which is The Arsenio Buck Show.  In addition to that, anytime I blog, the link gets posted directly to my LinkedIn account, twitter and other social media platforms.  I’m reaching a new market of people just by taking advantage of all the media that’s how there these days.

Blogging is probably the best way to hone your brand online.  Writing your thoughts, sharing your experiences, and helping people when they bring up a question (as I did two days ago on youtube) or comment about a blog post will help you build confidence in your personal brand.

Best way to start a blog is with wordpress or wix. You can choose a variety of themes, write your own biography, easily upload pictures from royalty-free photography sources around the internet.  Learn how to tag, too.  Tags and categories mean a lot because that will connect other users who are searching or using those terms with you. Again, likeminded attracts likeminded, right?

If you want to know more about posting regularly, living your brand, unleash your participation, cultivate your online presence and a few more categories, tune into my podcast down below.

Podcast – Principle 64 – https://www.spreaker.com/episode/9647434

 

Goitre Thyroid: The Condition That Ravaged The North of Thailand & Foods You Can Put Into Your Diet That Contain Iodine.

So, after having a conversation with one of my students yesterday, I was left terrified – touching my neck to see if I have enlarged thyroid glands.

Years ago in the north of Thailand, the accessibility of salt was scarce.  Salt, for those of you who don’t know, contains iodine.  Have you ever went to the super market and found on shelves *Iodized Salt*?  That’s exactly what I’m here to tell you about.  This deficiency alone affects more than 2 billion people on the planet, scientists say.

Now, in America, this is uncommon dee to the readily available iodine in our diets.  However, in parts of Thailand dating back 20-30 years and still a bit common today….suffers heavily from this.

Goitre Thyroid

This is an enlargement of the thyroid.  A very grotesque looking condition that causes your thyroid to swell up into a small mass that’s the size of a mini soccer ball.  I won’t attach any photos because it makes me want to hurl.

Nonetheless, this condition is uncommon in some parts of the world, but I do want to give you some foods that contain iodine just incase you’re lacking it in your daily diet – and I’m not talking about just table spooning salt down your throat, either.

7 Foods That Contain Iodine

1. Sea Vegetables – Kelp

The ocean hosts the largest amount of iodine foods, including Kelp.  Kelp has the highest amount of iodine of any food on the planet and just one serving offers 4 times the daily minimum requirement. 1 tablespoon of Kelp contains about 2000/mcg of iodine.

I would recommend sprinkling these into soups or salad, even an avocado salad. 🙂

2. Cranberries

This antioxidant rich fruit is another great source of iodine. About 4 ounces of cranberries contain approximately 400/mcg of iodine. I recommend buying fresh organic berries or juice. If you buy cranberry juice from the store, be aware of how much sugar it contains. Obviously those cartons of juice in super markets have stacks upon stacks of sugar, so what could be a very antioxidant rich fruit can turn detrimental.

3. Organic Yogurt

A natural probiotic, yogurt is an excellent iodine food you should add to your diet. One serving holds more than half of your daily needs. 1 cup contains approximately 90/mcg of iodine. Other than yogurt, I will make a blog containing a bunch of probiotic foods that actually even promote your digestive system. Stay tuned!

4. Organic Navy Beans

Many beans are a great food source of iodine and navy beans may top the list. Just 1/2 cup of these beans contain about 32/mcg of iodine. Beans aren’t just an iodine food, they are also incredibly high in finer, which also supports the digestive system.  Navy beans are probably a rare commodity in the households of a lot of people around the world; however, I’m sure there are other beans that have a great source of iodine, too.

5. Organic Strawberries

This tasty red fruit packs up to 10% of your daily iodine needs in just a single serving. One cup of fresh strawberries has approximately 13/mcg of iodine. It’s hard to tell what’s organic and inorganic nowadays, but fresh food markets and places where the prices are normally jacked up houses organic foods.  I know, it’s sad that there are organic food shops which are far more expensive than inorganic food that are full of chemicals.

6. Raw, Organic Cheese

CHEESE! Cheese is high in iodine, along with essential B vitamins, calcium, and protein. Dairy, whether raw or pasteurized, may not be the best choice for some people, especially those with sensitive digestive systems.  Also, most cheese is loaded with sodium, so be aware of what type of cheese you’re buying! I’ll probably have to do a blog on cheese just to steer some of my readers in the right direction.

7. Organic Potatoes

The common potato is an easy addition to most meals and is one of the richest sources of iodine in the vegetable kingdom. Leave the skin on and one medium-sized baked potato holds 60/mcg of iodine. Be sure to get organic only as potatoes tend to suck up pesticides very easily! Scary, I know.  I always LOVED eating baked potatoes with the skin on, so I think I’ve set myself up just because of my earlier years. HA!

If you have any questions or inquiries, don’t hesitate to ask!

Next blog: probiotics!

Podcast – https://www.spreaker.com/episode/10461174

 

Jack Canfield – Master The Technology You Need

“Technology is supposed to make our lives easier, allowing us to do things more quickly and efficiently.  But too often it seems to make things harder, leaving us with fifty-button remote controls, digital cameras with hundreds of mysterious features, and cars with dashboard systems worth of the space shuttle.” – James Surowiecki

I want to be abundantly clear about how technology works.  When it comes to the gadgets, use them instead of it using you.

7-Day Technology Turnaround

Make a list of your technology annoyances.  I’m talking waking up and staying glued to your phone when you can be much more productive.  Most people have their phones bedside when they go to sleep and it’s the first thing they pick up in the morning.  That’s considered to be an annoyance.

On top of that – TV’s.  Most Americans spend so much time watching TV everyday.  For example, sports enthusiasts on Sunday could sit in front of the TV for up to 9 hours watching artificial events on TV.

Compile your list.  Once you do so, begin tackling the cleanup process.  Example, charge your phone outside your bedroom and put an alarm clock on within your bedroom – set the time, too, for when you want to wake up.

Limit yourself to TV hours.  I’m talking about writing down how many hours you actually watch TV a day and begin taking an hour off as time goes on. Take the micro steps, not macro.

Look at any other annoyances that hinder your production in the morning and the evening.

I know some people can’t even go shopping, out to dinner, or on vacation without their cell phones going off.  I’ve seen people in 5 different countries who sit at restaurants while tapping their phone and not conversing amongst each other.  This trend is growing worldwide.

In addition to annoyances, let’s talk about the low-information diet.  How many of you turn on the news every morning within the first hour of your day? A lot of people would say, “I need to be informed,” but you don’t have to be INUNDATED!

What are your feelings after watching the news? When you get to work, what’s the topic of discussion every morning? Does it revolve around how productive you were, or something that happened over night.  Car crashes, robberies, politics, natural disasters?

Try not turning on the NEWS for once in the morning and see how you feel when you get to work.  Instead of bringing up “circle of concern” type conversations, bring up something you’re grateful for or looking forward to.

Michael Bernard Beckwith once said, “you’re going to have to taking some heavy digestive enzymes to digest what you see on TV.  Instead of watching television, how about “tell a vision.”

Podcast –  https://www.spreaker.com/episode/9626352

Jack Canfield – To Spend More, First Make More

“Whatever may be said in praise of poverty, the fact remains that it is not possible to live a really complete or successful life unless one is rich.” – Wallace D. Wattles

I don’t know about you guys, but I would rather make more and have more to spend than to always be denying myself things I want for some distant future gain.

The first step to making more money is to decide how much more you want to make.  I’ve talked about using the power of affirmations and visualisation to see yourself as already in the possession of that money.  The super rich have used these methods and daily habits to bring more abundance into their lives.

The second step is to ask yourself, “what product, service, or additional value can I deliver to generate that money?”

What does the world, your employer, your community, fellow businesspeople, fellow students, or customers need that you could provide?

More Money Idea #1 – Become An Entrepreneur – Perhaps your work group is so good at managing projects, its members have extra time that they could “hire out” to other departments for extra pay.  You can create a plan to turn this asset into cash and approach your employer with a proposal to work on the asset-maziming project off-hours for extra pay. Sounds sexy?

More Money Idea #2 – Find A Need And Fill It

Whether it’s starting a website for a particular group of collectors or providing a unique education for people who need rare or unusual schools.  On the other hand, how about inventing something for a particular area that’s without electricity such as an entrepreneur in the Philippines? Here’s the video – https://www.youtube.com/watch?v=1lZH2xYJ4n8

More Money Idea #3 – Think Outside The Box

When Dave Linger, founder and CEO of RE/MAX, was a successful young real estate agent, he went from “renting a desk” for 500$ a month to having 90,000 agents and 6,000 offices in more than 90 countries worldwide.  I’ll have the story in a podcast soon.

More Money Idea #4 – Start A Business On The Internet

If you set up your own Web site and subscribe to a shopping cart service, you can sell and accept credit cards for payment at your own site.  This is where your expertise becomes valuable – selling e-books, audio courses, training materials, specialised reports or directories, how-to information, and other knowledge products that are downloadable – meaning you never have to ship a single box or send an envelope.

More Money Idea #5 – Join A Network Marketing Company

There are more than 1,500 companies who sell their products and services through network marketing – certainly one or more you can get passionate about.

Here are a few podcasts….

Part 1 –  https://www.spreaker.com/episode/9603278

Part 2 –  https://www.spreaker.com/episode/9613046

 

 

 

 

Avocado + Tomato Salad

People! Welcome back to my nice little healthy food blog that I do from time-to-time to reach out to those who are searching for the mid-afternoon snack or just a healthy, good fat type of meal to carry along with or prepare in just five minutes.

Avocado + tomatoes salad!

Now, if this if your first time with me, avocados are your friend.  They’re your soulmate.  The saviour.  Why? They provide the best fat out there along with olive oil and any type of nut (big almond fan).

When I was young, I would see my mom eat about 2-3 avocados a day and call her disgusting.  However, for a 58 year old woman, her digestive system and looks are absolutely amazing! I never knew how she looked so good, but she did.  Avocados!

Here’s a nice & basic recipe for those of you out there who are looking to improve your digestive health without taking supplements.

Ingredients

1 lb Roma tomatoes
1 cucumber
½ medium red onion, sliced
2 avocados, diced
2 Tbsp extra virgin olive oil or sunflower oil
Juice of 1 medium lemon (about 2 Tbsp)
¼ cup (1/2 bunch) cilantro, chopped
⅛ tsp black pepper

Oh, you’re probably wondering where the salt is.

If you want to sprinkle some salt on your salad, that’s entirely up to you.  On the other hand, I wouldn’t recommend it because you already have enough taste going around, especially if you include a lemon.  I think you can go without the sprinkles of salt. 😉

Share away and enjoy!

Jack Canfield – Master The Spending Game

How much did you spend last year? 

How much did you spend last month?

How much did you spend yesterday?

Amazing, isn’t it?  Spending too much can wreak havoc on our financial goals and life.  It keeps you in debt, prevents you from savings as much as you could, and turns your focus to consumption.  Too many consumers in the world and not enough creators.

The truth is that with the exception of suits, dresses, mandatory wear or even the snorkelling gear you bought in Hawaii (as I have before) which I have used only once….you and I probably don’t need all those things to begin with.  Try adding up all the clothing with tags on it, to everything sitting around your living room and garage….add it all up and it will amount to more than your current credit card debt.

Another way to master the spending game is to live the lifestyle you want yet pay a whole lot less for it.

For instance….Jack Canfield talked about a woman he knows purchases $685 season tickets to the opera for just $123.  She sees the same world-class tenors, hears the same thunderous music, and does just about the same thing those other patrons do who pay a heck of a lot more – but she gets her tickets at 82% off.

How could this be?

When the mailing for season ticket subscribers arrive in March, she selects the operas she wants to see, disregards those she doesn’t like, and sends the money in with instructions attached “Design-Your-Own” series.  If you send in cash, of course cash will always be accepted.

So start paying with cash for everything! You’ll probably find yourself spending less than you would if you used credit cards.

Here’s more in my podcast – https://www.spreaker.com/episode/9597615

Combatting Procrastination

We all face procrastination.  It’s an ever present ever green issue for a reason.

I, myself, have things that I always put off: from writing my book, to doing the simplest things.

The first thing I have to say is look at goals from a micro and macro level.  Once you do, you’re going to be able to break down goals into the smallest actions conceivable.

Example, writing 2000 words in one day just seems like such a daunting task that will scare the hell out of you, ultimately having you just put it off until the next day, week, month.

Instead, you want to just write 1-2 bad pages.  Take away the number (2000) and just write a couple of bad pages of your book first.  What that does is create momentum, and a lot of us know when we’re in the zone, we continue going.

Next, if you have 10 things on your to-do list, which ONE THING can you do that will make the rest easier or irrelevant?

Example, Tim Ferris talked about flossing your teeth.  You want to make it as easy and automatic as possible.  Do less than what you’re capable of doing….so how about saying, “I’m only going to floss three teeth.”  Yeah, sounds a bit odd, but this applies to a lot more than just flossing.

How about incentives and consequences? Having an accountability partner?

Example, get into a challenge whereas there’s a pot of gold at work, and whoever doesn’t work out for an “x” amount of minutes, they have to donate $1 to the pot.  Raise the stakes, make it a few dollars.  Why? Because people hate losing money, right? When money is at stake, you will do whatever it takes to get the task done.

Example, I try achieving 13,000 steps a day.  The most difficult part about this is of course having a watch and tracking it makes it easy, but if I’m sitting at 9,000 steps and I’m going home in the evening, that means I have to somehow get 4k steps before hitting my night routine, which is the ultimate slayer.  Can you imagine after teaching all day having to come home and walk 1-2km just to achieve the mark? Hold yourself accountable.

If not, get someone who will.

More in my podcast: https://www.spreaker.com/episode/9597615

Jack Canfield – Pay Yourself First

“You have a divine right to abundance, and if you are anything less than a millionaire, you haven’t had your fair share.” – Stuart Wilde

Hmmmm…..back in 2007 when I began working as a work-study student at college, I use to save EVERYTHING.  When I needed to move out of my apartment due to family transgressions, NO PROBLEM!

When I had emergencies, NO PROBLEM!

When I had the idea at just past 12am on a very early May morning in 2009 to fly to Australia, I checked my bank account and realized I had enough money for the plane ticket, and 100$ spending money per day.

But….WHAT IF I wasn’t an aggressive saver?

Some of you reading this right now are also thinking about your future in terms of saving and where to go next with ROTH IRA’s and 401k’s.

You’re going to have to learn to pay yourself first.

Jack Canfield wrote in his book about George Clason who wrote a book  called “The Richest Man In Babylon” – one of the great success classics of all time.  It’s basically a fabled story of a man named Arkad, just a simple kid who convinced his client, a money lender, to teach him the secrets of money.

The first principle the money lender tAught the kid was “a part of all you earn bus the yours to keep.”  He goes on to explain that by first putting aside at least 10% of his earnings – and making that money INACCESSIBLE for expenses – Arkad would see this amount build over time.

Many people have built their fortunes by paying themselves first.  It’s as true and effective today as it was in 1926.

Podcast – https://www.spreaker.com/episode/9591625

Stephen Covey – At The Center: Who Are You?

In order to write a personal mission statement, we have to begin at the Circle of Influence, that center that’s compiled of our most basic paradigms.

Whatever is at the centre of our life will be the source of our security, guidance, wisdom, and power.

Remember, security represents our self worth, self-esteem, and our basic personal strength or lack of it.

Guidance represents the source of direction and decision-making in our lives.

Wisdom is our perspective on life and sense of balance.

Last but not least, power is the faculty or capacity to act.

When these four factors are present together, they create a noble personality, a balanced character, and a beautifully integrated individual.

You’re probably asking yourself, “where do I stand?” Well, that’s what this next chart will indicate for you to find out your influence.  You can trace it back to the centre, the genesis and figure out if it’s actually holding you back.

For example, if you’re friend centered, you are highly dependent on the opinions of others.   You’re also easily embarrassed by other people and you see the world through a social lens.

The best way I can describe Thai society is definitely self-centred.  Everything revolves around, “if it feels good, what I want, what I need, what’s in it for me.”  The view of 80% of the lives of people living within these borders revolves around how decisions, events and circumstances affect you.

Most foreigners who visit Thailand is pleasure centered.  You feel secure only when you’re on a pleasure “high.”  You make decisions based on what will give you the most pleasure.  You only see the world for what’s in it for you.  Security is also short lived.

If you want to know about every category, tune into my podcast down below.

Podcast – https://www.spreaker.com/episode/10321998

 

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