colorado-trip-part-2-sunrise.

Colorado Trip Part 2

On the second day of our trip, I woke and then went downstairs and poured myself a cup of coffee. With mug in hand, I walked outside enjoying the cool air. Sitting on the deck, I enjoyed a spectacular sunrise. After a light continental breakfast, I hiked to the bottom of the mountain, feeling very energetic. Our Colorado Trip Part 2.

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Colorado Trip Part 2

When I made it back to the B&B, I wanted to continue enjoying the cool Colorado temperatures of late summer. I sat at the table on the deck and marveled at how silent it was. The silence was only broken by a car passing by now and then. I looked around at all the aspen trees, which have small leaves that shimmer in the breeze.

Shortly thereafter, 5 or 6 hummingbirds arrived and began flittering about. I then heard something run behind me, and I didn’t know what it was. We were told there were all kinds of wildlife on the mountain, including bears and mountain lions. Therefore, I was a little concerned but not enough to go inside.

Idaho Springs, Colorado

After Sofia finished some work, we proceeded downstairs to begin our day. We told Wilhelmina that we were going to hike to St. Mary’s glacier. She told us how to take a scenic drive to the town of Idaho Springs instead of taking the highway. Without her advice, I would’ve just followed the GPS and probably taken the highway. That would’ve been a huge mistake because the drive was gorgeous.

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Drive To Idaho Springs

We started in a valley and then drove up into the mountains with the most incredible views. Arriving in Idaho Springs, we found a parking spot on the street. Idaho Springs is a small gold mining town with a lot of character. I fell in love with this town. Wilhelmina had suggested we eat it at Tommyknocker Brewery.

Great Beer

The main street in Idaho Springs is blocked off for pedestrians only. We were seated and our server brought out samples of their homebrew. Every sample I tried was tasty. I don’t drink beer anymore since I went through chemo. It tends to taste metallic. Nonetheless, I chose a Chocolate Porter that hit the spot. Sofia had a Blood Orange IPA I also found very tasty.

After a beer and burger lunch, we walked around the town and down to the creek. There was a beautiful waterfall and a large wooden waterwheel in front of it. Across the creek, I could see the entrance to old gold mining tunnels.

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Idaho Springs, Colorado

St. Mary’s Glacier

We then drove to St. Mary’s glacier, which was about 10 miles higher into the mountain. After parking and dropping off the parking fee, we headed up the trail. The hike is steep and full of large rocks. They didn’t smooth out the trail but left the rocks and boulders right where the glacier deposited them many years ago.

It was hard on my arthritic knees, but I trudged on. Wilhelmina had given us sea-level people a tip before we left. She said to stop and fill our lungs with air every so often. At sea level, we only use half of our lungs. I didn’t know that, and I’m still learning at my age.

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Rocky Trail

Finding Inspiration

I found a lot of inspiration hiking up this trail. There were all different types of people despite the ruggedness of the trail. I saw very fit people and some that were overweight. There were young and old. I was most impressed by seeing the children that were hiking up the steep, rocky trail. Every time I thought we were at the top, the trail turned and continued up.

We finally reached the top and were greeted by a beautiful lake and the remains of St. Mary’s glacier on the mountainside. After some photos and rest, we headed back down the trail. It is a lot harder going down thing going up. Eventually, I made it, sore knees and all.

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St Mary’s Glacier

An Evening With Old And New Friends

We drove back to the B&B to shower and change. That evening we were invited to the rehearsal dinner/welcome party at our friend’s house. I always enjoy watching Sofia conversing with her friends. She has known them since she was five years old. I can see the joy on her face when they get together.

Meeting new friends and getting to know them is something I always enjoy. The party shut down early because they had a long day getting ready for the wedding the next day. It was good for me because I was getting tired, and the hike had taken a toll on this old body. It felt good to crawl into bed. I think I was asleep before my head hit the pillow. To be continued.

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A Trip To Colorado

You can find inspiration anywhere. All you have to do is fire up your senses and be aware when inspiration presents itself. I’m going to tell you how I found inspiration on a trip to Colorado. We saw so much in this beautiful state that I will share it in several blogs.

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Our Trip To Colorado Day 1

On the first day, we were dropped off at the Fort Lauderdale airport at Zero Dark Thirty. The purpose of this trip was to attend the wedding of Sofia’s friend’s daughter. I just wanted to get away with my beautiful wife and relax. I wasn’t intending to look for inspiration on a trip to Colorado.

After an uneventful four-hour flight, we arrived in Denver at 10:30 AM. We found our way to the rental car shuttle bus. The friendly driver helped us load our luggage, and off we went to pick out our vehicle. As we left the rental lot, I noticed an extreme lack of mountains. I always pictured Denver as a mountainous city. I couldn’t have been more wrong. Where were the Mountains? Luckily I found them after just a short drive out of the city.

Red Rocks, Colorado

We drove to Red Rocks Amphitheater, about a 30 to 40-minute drive west of the city. It is an Amphitheater cut into the side of a hill. It is surrounded by large rock formations which are colored, you guessed it, bright red. As we entered the area where the food vendors are located, there was music playing. The acoustics are phenomenal.

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$6.60 to see one of the greatest bands of all time!

We toured the museum and saw pictures of a lot of the performers who had played there. Most of the great musicians have performed at Red Rocks Amphitheater. Even the Beatles played there on their first American tour in 1964. Attending a concert at Red Rocks Amphitheater was instantly put on my bucket list.

Golden, Colorado

Our next stop was the town of Golden, Colorado. It is a lovely little town to walk around and enjoy. The streets are full of bars, restaurants, and shops. Golden is the home of the Coors Beer Brewery. After stopping to eat, we walked to this photogenic bridge and creek at the edge of town. It is the perfect place to stop, take a few selfies, and realize how lucky I am to be married to Sofia.

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Golden

Evergreen, Colorado and Walkabout Ridge

We left Golden and drove to the town of Evergreen, where we were staying. Evergreen is a quaint small town that ranges from 7200 to 9000 feet in elevation. We found our B&B located on a mountain a few miles outside of town. I steered the car along a winding, long, gravel driveway. I was thinking that all Scooby-Doo cartoons and horror movies begin like this. At the end of the driveway was a beautiful two-story home with a sign in front that read Walkabout Ridge.

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Walkabout Ridge Bed & Breakfast

So Relaxing

We met the owners, Wilhelmina and Paul. They are lovely people, gave us a tour of the house, and showed us our room. Coffee was ready at 6 AM, and a continental breakfast was from 7 until 10 AM. We sat outside on the deck that evening, enjoying the view of the mountains.

While we were sitting on the deck, I particularly enjoyed soaking in the cool mountain air. What a relief from the stifling heat and humidity of South Florida this time of year. We both slept great with the windows open, enjoying the cool breezes.

Our room faced east, and in the morning, I awoke to the most beautiful pre-sunrise sky. The colorful sky gave me the inspiration I needed to get up and start our day. To be continued.

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First Light
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15 Habits of Rich People

Most people in the world are not wealthy. It is said that 96% of the world’s wealth is created by 1% of the population. When you look at this statistic, what you see? I see opportunities. We live in an unlimited universe. Each one of us can create wealth. You can increase your wealth by changing your thoughts and developing new habits. Below are 15 habits of rich people to begin working on today.

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Habits Of The Rich

What is wealth? It is defined as an abundance of valuable material possessions or resources. Wealth is subjective. What you consider wealth could be different from what I do. Is it a certain amount of money? For some, the answer is yes. For me, I relate wealth to being financially independent.

Financial independence means the following three things in my mind. First, it means time. You no longer trade time for money. You can now spend more time doing things you love. We all have the same amount of time each day, 1440 minutes. How do you spend yours? Second, it creates options. You are no longer limited to doing things based on price. Eat at the most expensive restaurants and order what you want. Finally, financial independence means peace. Unexpected situations will arise in life. If money is not a problem these situations are easier to deal with.

What is the difference between people with wealth and others? It comes down to one thing, your mindset. Do you have a wealth mindset or a poverty mindset? Begin to cultivate a money mindset. To do that, you must change and become a different person. You have to leave the old you behind. Create thoughts seeing how you want to live in the future. Visualize these thoughts. Your thoughts will become your reality. Eliminate negativity from your life and create new habits.

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15 Habits Of Rich People

Here are 15 habits that are common among wealthy people:

  1. They always have a vision. They know what they want and visualize it daily. Their definite purpose is always on their mind.
  2. The wealthy don’t work for money. They have learned how to make money work for them. Trading time for money will provide you with a good life but not a great one.
  3. They eat healthy & exercise. Taking care of their bodies gives them more energy to be productive.
  4. Wealthy individuals live in the future. They know that their current thoughts will become their reality. It doesn’t matter where you came from, it’s where you’re going.
  5. Rich people are not afraid to fail. Failure is part of the process of becoming wealthy. They learn from their failures until they succeed.
  6. They wake up early. This gives them time to think and meditate. It prepares their mind for the challenges of the day.
  7. Wealthy people give thanks every day. They show gratitude for what they have and realize it can be taken away.
  8. The rich don’t waste time with television or social media. They realize that the negativity that comes from all forms of media. 70% watch an hour or less a day.
  9. They love to read. The wealthy spend time every day reading and expanding their minds. Develop a habit of reading daily for self-improvement.
  10. The wealthy have mentors. They develop a mastermind group to help them gain knowledge that they don’t have.
  11. Goal setting is a priority. They set goals, develop a plan, and work towards accomplishing their goals.
  12. They eliminate negativity in their life. This includes thoughts, habits, and/or people. Hanging onto negative people gets you nowhere.
  13. Wealthy individuals are always learning. They learn how to manage their finances and daily lives. Most importantly, they learn how to market themselves.
  14. They believe in abundance. Our universe provides an unlimited supply for everyone. The wealthy have learned how to tap into that supply.
  15. They make each day productive and driven by results. So much of your day can be taken up by nonproductive activities. Wealthy people avoid them.

Improve Your Life

Men and women who are financially independent do things differently than those who aren’t. By creating the same habits in your life you can begin to change. Your habits have gotten you to where you’re at right now. If you’re satisfied, keep doing what you’re doing. If you want to improve your situation, begin filling your day with these 15 habits that are common among wealthy people.

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I hope this post is helpful to you. Please leave a comment and let me know what you thought. If it wasn’t your cup of tea let me know also. I’m always looking to improve and your comments help.

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How To Overcome Distractions

Before I get started, I wanted to thank everyone that reads, listens, and follows my site. I am very humbled by your support. This is Episode 39 and I want to talk about how to overcome distractions. Life hit me hard one-day several months ago and I lost that battle. I have a lot of people both in-person and on WordPress who tell me they frequently experience similar events in their life. Therefore, I wanted to share what happened and how I dealt with it.

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Overcoming Distractions

I woke up at my usual time, around 4 a.m., and after completing my daily routine of meditation and prayer, I went out for a walk. I had a lot of energy and had a great workout. My day started like every other day and I was feeling very energetic. I had planned to go film a short course on self-confidence that I’m putting together. I packed up all my gear and right before I was heading out, I noticed that I had rehearsed the wrong introduction.

That didn’t bother me, as I told myself I would just spend the day rehearsing and go film the next day. Around noon something very strange happened. I became extremely fatigued and felt like I wanted to go to sleep. There was no reason that I could think of for me to feel this way. I fought it off for a while and then quickly realized I was losing the battle, so I laid down and took a nap.

The Distraction of Fatigue

Three hours later, I woke up and still felt extremely tired. Therefore, I couldn’t focus on anything and just felt like going back to sleep. I just laid in bed until dinner. After that, I went back and laid down. I went to sleep at my normal time, around 9:30 or 10, after giving thanks for my day and the day to come.

When I awoke today, I was still tired and stayed in bed until 7:00. As I was going through my morning routine, I realized what was happening. You see, I believe that we are constantly in a war between two opposing forces. Call it what you will, light versus darkness, Ying versus Yang, God versus Satan, it comes down to good versus evil. Whenever something good is about to happen in my life, I get hit with negativity.

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More Distractions To Overcome

As I was writing my blog post, my wife came in and told me that she couldn’t get the garage door closed. Now, I had to spend time in the stifling heat trying to fix it and if I can’t, pay someone to repair it.

Once I realized what’s happening I knew how to combat it. How to overcome distractions is easy, I stick to my plan. I can control my plan, what I do today. I don’t waver from my plan or my daily goals. Some forces don’t want me to complete my course. I know that my course will help people and these forces who don’t want that to happen. Therefore they try to distract me from my definite purpose.

The Hardest Things

The things that are the hardest for me and I don’t look forward to doing are the things I need to do most. These are the things that are going to help me accomplish my goals. It is easy to get distracted and procrastinate when something is hard. I look at it like eating. The foods I don’t look forward to eating (vegetables) are the foods I need to eat the most of. Above all, they are the foods that are best for my body. So the battle continues, the dark side pulling you towards that tasty doughnut, and the light side showing you the broccoli.

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In conclusion, So whenever you find that negative things are going on in your life, it just means that great things are going to happen for you. Don’t be discouraged, you now know how to overcome distractions just stick to your plan, go over your goals, and continue your positive affirmations.

In addition, the next day I felt energetic and more like my old self. That day the battle was won by my enemy but the war is not over. Bring it on!

Cites

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https://unsplash.com/@austindistel

Acquiring Power By The Mastermind Principle

I am continuing to talk about the book Think and Grow Rich by Napoleon Hill. Today I will discuss the ninth step, Power of the Mastermind, The Driving Force. Don’t try to accomplish anything great alone. Acquiring power by the Mastermind Principle will help you to attain your goals.

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The Power Of The Mastermind Principle

Power is essential for success. It can be defined in many different ways. One definition of power is; power is organized and directed knowledge. Napoleon Hill believed in acquiring power by the Mastermind Principle. This helps you gain the knowledge that you need for success. The sources of knowledge are:

1. Infinite Intelligence;

2. Accumulated Experience; and

3. Experiment and Research.

Infinite Intelligence comes from the universe. It allows you to use your creative imagination to gain knowledge. You can acquire this knowledge through meditation and prayer. Accumulated Experience comes from tapping into the knowledge that others have shared. This knowledge is contained in libraries, the Internet, etc. Experiments and Research are conducted to gain new knowledge. When knowledge is not available through an accumulated experience you can find it through experiment and research.

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@wildlittlethingsphoto

Knowledge To Power By Masterminds

Knowledge is converted into power by organizing it into definite plans. You express those plans through action. Develop a burning desire for your definitive purpose. Create a plan to obtain it. Put your plans into motion through everyday action. Your knowledge becomes powerful. After that, more knowledge becomes available to you.

Hill describes the Mastermind as a “Coordination of knowledge and effort, in a spirit of harmony, between two or more people for the attainment of a definite purpose.” The Mastermind Principle has two characteristics:

1. Economic;

2. Psychic or Spiritual.

The Mastermind

The economic characteristic is simple and straightforward. It is economically advantageous to surround yourself with the advice and knowledge of other people. If you want to create wealth, get advice from a wealthy person.

The psychic or spiritual characteristic is more difficult to comprehend. When two minds come together a third force is created. This becomes like a third mind. A human mind is a form of energy. When two minds come together it forms an affinity or a marriage.

Energy

Energy is the building block of everything created. Nature can translate energy into matter. Matter is the physical substance that occupies space and possesses mass. This is distinct from mind and spirit.

As humans, we build through our thought process. By creating a Mastermind group our brains tap into more knowledge. Therefore, becoming more powerful. Think of your brain as a battery. A group of batteries is more powerful than one. Therefore, a group of brains creates more power than a single brain alone.

Henry Ford

A great example of acquiring power by the Mastermind Principle is Henry Ford. When Ford went into business, he was poor, illiterate, and ignorant. Despite this, within 10 years he had overcome all these shortcomings. 25 years after he started he became one of the richest men in America.

He became friends with Thomas Edison. After that, his business grew by leaps and bounds. His most outstanding accomplishments didn’t occur until after he met Henry Firestone, John Burroughs, and Luther Burbank. Henry Ford is a prime illustration of acquiring power by the Mastermind Principle.

Instructions

Throughout history, men and women have utilized the Mastermind Principle to increase the power of their minds and accomplish great things. If you don’t find yourself progressing in obtaining your goals look for someone to join you. Set a goal, develop a plan, and put action into your plan. Maintain harmony within your group and watch your progress grow.

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I hope you enjoyed this post. Don’t forget to like, follow, and comment. I would like to know if anyone has utilized the Mastermind Principle. What were your results? Also, subscribe to my email list and podcast. I appreciate your support.

Cites

https://unsplash.com/@anniespratt

https://unsplash.com/@wildlittlethingsphoto

“Power Of The Mastermind, The Driving Force” Think and Grow Rich: The Complete Classic Text, by Napoleon Hill, Jeremy P. Tarcher/Penguin, 2008, pp. 243-253.

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Leadership Qualities Of Abraham Lincoln

In episode 38 of my podcast/blog, I want to discuss the leadership qualities of Abraham Lincoln. He overcame obstacles and was a great leader. I have learned great lessons from him. His leadership qualities have set excellent and inspirational examples for me to follow.

This will be part 2 of this series. Several years ago, I read a book titled Lincoln on Leadership by Donald T. Phillips. This is one of the best books on leadership that I have ever read. As I mentioned in Part 1, Ernest Shackleton, the author of Think and Grow Rich, Napoleon Hill had an imaginary mastermind group. Because of his incredible leadership qualities, Abraham Lincoln was part of that group.

Napoleon Hill created his mastermind group out of people who had the characteristics he admired. They all have characteristics that I would like to emulate in my life. They are great leaders, overcame enormous obstacles, and set great examples. I always learn something by reading about them.

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Abraham Lincoln’s Leadership Qualities

Abraham Lincoln was born on February 12, 1809, and grew up in poverty. He was self-educated and eventually became a lawyer. There are many tales of Lincoln and his successes and failures before he became the 16th President of the United States.

He inherited the nightmare of a Union which was severely divided from President James Buchanan. Before he took the oath of office, seven states had already succeeded from the union to form the Confederate States of America. Buchanan had already given up hope of holding the country together. He did nothing at the end of his term to try to repair the division that was happening in this country. Congress also did nothing to defeat the growing rebellion.

Lincoln was the country’s first Republican President and he was elected by a minority vote. He was disliked in Washington because he was an outsider. The media and the people saw him as a second-rate country lawyer. They thought he was ill-equipped and unable to handle the presidency. No one could predict the unparalleled strength of leadership he possessed.

The Leadership Qualities Of Abraham Lincoln:

He would get out and circulate among the troops.
Compassion.
Honesty and integrity are the best policies.
Courage to handle unjust criticism.
Consistency.
Decisiveness.
Being open-minded and flexible.
Setting goals and being results-oriented.
He believed that the organization takes on the personality of its top leader.

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Leadership Traits

Lincoln believed in leading from the front. He was hardly ever in the oval office. If you wanted to find him you should start in the War Department. That’s where he spent most of his time. He would go to the field and circulate among the troops. He wanted to know what they were going through. This gave him first-hand knowledge to make accurate decisions. He went to the field to observe or take charge of several battle situations and even came under fire at least once.

Compassion

To Lincoln, a leader shows compassion. The leader knows the job of his lowest subordinates and treats everyone the same. Lincoln spent many days visiting the hospitals and talking to the wounded. He spoke no differently to a private than he did to one of his generals.

Honesty

Lincoln believed that the best way to lead is with honesty and integrity. The government exists to elevate the condition of man. It is there to level the playing field and allow man to climb the ladder of success. He was not kind to politicians taking kickbacks. Many of his appointed cabinet members were fired for lack of honesty and integrity.

Courage

Lincoln showed an amazing amount of courage over an extended time. He survived defeats in his life and also at the beginning of the Civil War. He took risks and never played it safe. The faith he had in himself was unmatched. He knew his decisions were the right ones and didn’t need to be told by others.

Impervious To Criticism

Great leaders will be subjected to severe criticism from all sides just because of their position. They will suffer attacks on their honor and character. Lincoln was no different. He was slandered and criticized by the media, the public, and the Union he was trying to save. Southern sympathizers, members of Congress, and even some from within his own Republican Party verbally attacked him.

Lincoln didn’t allow the attacks to deter him from his definite purpose of saving the Union. He overcame all his critics to secure victory in the war. Not only did he preserve the nation but he also reorganized the military and renewed the spirit of patriotism in America. He is best known for the Emancipation Proclamation, abolishing slavery in the United States.

Consistent

Lincoln led with consistency in how he treated people and his interactions with cabinet members. He was very consistent with how he administered and managed the government. He did whatever it took to preserve, protect, and defend the Constitution.

Decisive

Lincoln was decisive and bold in his decisions. Many of the decisions he made were not popular but he knew they were necessary for victory. At the beginning of the war, the Union was undermanned. President Buchanan had decimated the military by cutting the budget. Lincoln knew that he would need a call for troops and enacted conscription.

His bold decision to direct a blockade of the Confederate states was necessary to cut off supplies. Probably his most unpopular decision was declaring martial law. In addition, he also suspended the writ of habeas corpus, giving the military the power to arrest without charges. Lincoln would not waiver on this decision. He felt it was necessary to protect against spies and traitors.

Open-Minded

Lincoln was open-minded and flexible. He always listened to his subordinates. If their decisions were not what he had in mind, he would explain the shortcomings. But, if their ideas matched his, he would let them proceed as if it was their idea.

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Goal Oriented

Arguably his greatest leadership trait was setting goals and being results-oriented. Lincoln had always persevered and used his failures as lessons to learn from. He had the ability to turn certain defeat into a decisive victory. At the beginning of his presidency, Lincoln had one ultimate goal, preserving the United States of America.

The leadership qualities of Abraham Lincoln are best summed up with one trait. Like all great leaders, Lincoln knew that the organization takes on the personality of its top leader. Lincoln displayed all of the traits listed above to determine his personality. By setting the example of a great leader, Lincoln led the Union to persevere and overcome great odds, and securing victory.

In conclusion, the leadership qualities of Abraham Lincoln are unmatched. He was a great man and remarkable leader. I hope you enjoyed this post. If so, here is some homework for you. First, like this post. Second, leave a comment. I enjoy reading your comments. Third, Follow my blog. Fourth, subscribe to my email list. Fifth, Check out my courses. The button is above. Lastly, subscribe to my podcast. It is on many platforms. You can find them below the player above.

All the best! Scott

The Importance Of Retirement Planning

I have been retired for seven years now and I enjoy every minute of it. I retired when I was 53 years old but could have (and should have) retired at the age of 50. There has been a lot to learn in my retirement. I can describe my retirement in one word, options. There are unlimited options for me now that I didn’t have when I worked for the government. I can be or do anything I want now. Today I want to discuss the importance of retirement planning.

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Planning For Retirement

When I was working, I attended a pre-retirement seminar a couple of years before I retired. We were allowed to request attendance five years before our minimum retirement date. At the end of the seminar, I wrote on my evaluation that it was great information. The only problem was we needed the information sooner. It was too late for a lot of people to do what was needed for a comfortable retirement. Here are five things to do for a comfortable retirement.

  1. Begin Planning Early.
  2. Develop Specialized Knowledge and Skills.
  3. Find a Good Financial Planner.
  4. Begin Saving Early.
  5. Pay off Your Mortgage.

Begin Planning For Retirement Early

When I started my career I was 23 years old. Two things that I never thought were going to happen back then were: I would retire; I would get old. When you’re young you never think about getting old but it is inevitable. It happens to all of us. Importance of retirement planning is crucial. Starting your career is when you should start planning for your retirement. Begin thinking about what you want to do and how you want to live when that day finally comes.

Beginning your plan early will allow you to adjust to everything life throws your way. Sometimes life throws you the good things, marriage, children, etc. Other times the bad things death, injury, sickness, etc. Good things and bad will affect your retirement. By planning for the future early in your career you can minimize the impact.

Specialized Skills And Knowledge In Retirement

During my 30 year career, I developed certain skills and knowledge. After I retired I learned that most of my skills and knowledge didn’t transfer to my new life. If you have generalized skills and knowledge, you will learn that everyone is retired with the same skills. There’s a lot of competition. Finding your niche will help you stand out against the competition. I suggest that you research throughout your career skills that are needed in the private sector. Take courses and study those skills to gain the knowledge that you need.

A Financial Planner Is Important

Find a good financial planner. Unless you are an expert on finances you will need a financial planner. They can help you make the right decisions with your money. This will allow you to keep as much money as you can before retirement. It is a big change to go from knowing a check is coming every two weeks to a smaller check once a month. You will need to supplement your retirement with other sources of income if you want to maintain your current lifestyle.

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Save Early And Often

Begin saving as early as you can. The earlier you begin the more money you will have in retirement. I always put money into my Thrift Savings Account, which is the government 401(k). If I had to do it over again I would maximize my contributions. In retirement, you can use your savings to supplement your retirement. I withdraw a certain amount every month. Because the stock market has done so well, my savings have increased.

Saving early is probably the most important thing you can do. I recommend setting a goal for the amount of money you want to save before retirement. For me, the best thing was having it withdrawn from my paycheck and placed into my account. Out of sight, out of mind. Since I never saw the money it was like it never existed. My savings account would grow every two weeks without me doing anything.

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Eliminate That Big Debt

Pay off your mortgage. My mortgage is my biggest expense as it is for most people. Since I transferred a lot during my career I was not able to pay off my last mortgage. I bought houses and sold houses; made and lost money. If I had stayed in one location, in the same house, I wouldn’t have to worry about a mortgage now. I think about what I could do in the places I could go if I didn’t have a mortgage. If at all possible, pay off your mortgage before you retire.

These are just five things I wish I had known before retirement. One can’t overstate the importance of retirement planning. I am not an expert on retirement or financial planning. I hope that you will begin thinking about retirement now that you are young and not wait until it’s too late. Do your research, make a plan, and find a financial planner to help you. Always remember to start saving early.

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The Fragility Of the Human Body

I have been unexpectedly absent from publishing my blog and podcast all due to an unplanned hospital stay and surgery. The human body is a remarkable thing that we don’t give a second thought to until something goes wrong. I didn’t have a clue that there was something wrong with my digestive system until everything shut down. When it happened, I became aware of the fragility of the human body. It doesn’t take much to go from feeling normal to ending up in the hospital.

The Fragility of the Human Body

It all started on February 19th. I had no indication anything was wrong when I went to bed. About two hours later I woke up in my stomach was distended and in pain. I then felt that familiar taste in the back of my throat that told me I needed to head to the bathroom. After vomiting everything that was in my stomach, I felt better and went back to bed. It didn’t last long and I was back up and headed to the bathroom for another round.

I lost track after seven trips and spent the whole next day in bed. Anytime I would drink anything you would come back up. Thinking that I had a stomach virus, I continue to stay in bed the next day and was able to hold down water only. I awoke on Monday morning, the 22nd and we headed to the emergency room.

Easy Peasy

Once in the emergency room, I was told that I had a small bowel obstruction. The doctor said they could normally remove the obstruction by inserting a tube into my stomach. I was okay with this because I thought it was going to be like an endoscopy where they knock you out, fix the problem, take out the tube, and wake you up. I was feeling pretty good.

That all came crashing down when the nurse came in and asked if the doctor explained the procedure. I told her what I thought was going to happen and she gave me a wicked smile. She then proceeded to tell me that I would be awake and the tube would be inserted up my nose, down my esophagus, and into my stomach.

Gagging

She then left and came back with another nurse and told me that the worst part was when the tube gets to the back of the throat. This triggers the gag reflex. They failed to tell me how much it hurts having something shoved up your nose. My nose started bleeding and I was using paper towels to stop it when they hit the gag reflex. I then began gagging uncontrollably. One nurse said, “You’ll get used to it in about an hour.” So for the next hour every time I felt the tube touched the back of my throat, I would gag. On a side note, gagging has to be one of the most unflattering looks a person can have.

Admitted

So I was admitted into the hospital with the hopes that by starving the small intestine it would shrink and remove the obstruction on its own. One day they pumped contrast into my stomach to see if it would pass through to the colon. It eventually made it through but at one point they could see it was slowing down and backing up. This meant the obstruction was still there.

Surgery

After almost a week in the hospital, they decided that it wasn’t going to clear up on its own and I would have to have surgery. I was taken to the operating room right away and woke up about six hours later and taken to ICU. He spent a few days in ICU and slowly began to feel better. They removed the tube in my nose which was a big relief. The next day they removed the catheter and transferred me to a regular room.

I was placed on a clear liquid diet and after not eating anything for nine days it tasted like a gourmet meal. After another week of recovering in the hospital, they let me go home. I felt good other than having no energy. Now I’m getting a little better every day but they tell me that it will take 2 to 3 months before I’m back to normal. It was a lot of trauma that my body went through and I’m not a spring chicken anymore. Going to try my best to get back to scheduling my blogs and podcasts twice a week. I will take things slowly but I am positive I will be back to my old self sooner rather than later. My message to you is to take care of yourself and never underestimate the fragility of the human body

Cites

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10 Making The Right Decision Quotes

I am continuing to talk about the book Think and Grow Rich by Napoleon Hill. Today I will discuss the seventh step, Decision, The Mastery of Procrastination. I am sure that you, like me, have faced that evil known as procrastination. To be successful and to build wealth, procrastination is an enemy you must conquer. These 10 Making the Right Decision Quotes will help you in this battle.

 “Once the decision is made, do not look back, do not second guess your decisions.”
 ~ Muhammad Ali

“Indecision is a decision.”
~  Anonymous

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10 Making The Right Decision Quotes

If you’re looking for self-improvement you will need to change some of the habits that you are currently doing. You will have to decide to change. Congratulations, you are halfway to success! You see, making the right decision is 50% of the solution. The other 50% is commitment. You have to commit to your decision to change.

“When someone makes a decision, he is really diving into a strong current that will carry him to places he had never dreamed of when he first made the decision.”
~ Paulo Coelho

“We are the creative force of our life, and through our own decisions rather than our conditions, if we carefully learn to do things, we can accomplish those goals.”
~ Stephen Covey

Back in the 1930s when Hill was writing his book, a study was undertaken with 25,000 men and women who had experienced failure. They came up with a list of 30 major causes of failure. Lack of decision was near the head of the list. Conversely, each of several hundred people who had accumulated fortunes had the habit of reaching decisions promptly. Also, successful people would take their time in changing their decision.

Opinions Of Others

The majority of people who fail are easily influenced by the opinion of others. They permit the media and other people to do their thinking for them. Opinions are the most abundant thing on earth. Everyone has one and they can be as different as night and day. You will not succeed if you take into account the opinion of others.

“Stay committed to your decisions but stay flexible in your approach.”
~ Tony Robbins

 “Unsuccessful people make decisions based on their current situation; successful people make decisions based on where they want to be.”
~ Anonymous

Your mind is yours and only yours, reach your own decisions. Keep them to yourself and discuss them with only like-minded individuals, such as your Master Mind group. When researching to gather information for your decision do so without disclosing your purpose.

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How Do You Know You Made The Right Decision

How do you know when the decision you made is the right decision? That is a hard question to answer because you won’t know the answer until you have succeeded or failed. You have to listen to those inner voices. If your decision makes you feel happy and it is the right decision. On the other hand, if you feel cautious or negative you should reconsider your decision.

“Always go with the choice that scares you the most, because that’s the one that is going to help you grow.”
~ Caroline Myss

“In the end, we only regret the chances we didn’t take and the decisions we waited to make.”
 ~ Anonymous

In most cases, making the right decision is not that difficult. Deciding to solve a challenge in your life is personal. These are decisions for your self-improvement. A personal decision affects you and the people close to you. Some decisions cannot only affect the person making the decision but also have an impact on many others.

Great Decisions

Throughout history, people have been tasked with making decisions that changed history. Abraham Lincoln made the decision to issue the Proclamation of Emancipation. General Dwight Eisenhower made the decision to launch the D-Day invasion. Last July I wrote an article about 56 men who made one of the greatest decisions of all time. They signed the Declaration of Independence knowing that it could potentially cost them their lives.

“You cannot make progress without making decisions.”
~ Jim Rohn

“Unnecessary fear of a bad decision is a major stumbling block to good decisions.”
~ Jun Camp

Making the right decision always takes courage, some more than others. In my not cost you your life but it could cost you your health or financial independence. Making the right decision to improve your income or help comes with a price. You never get anything without giving up something. As long as you’re willing to pay the price your decision for self-improvement could be the greatest decision you make.

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Don’t Stop

Speaking of great decisions, decide today what you are worth. Now that you know your value, go out and get what you are worth. Never settle for anything less. Lock that number in your mind and think about it every day. Don’t stop until you reach your value. Too many people today settle for what they’re given and not what they’re worth.

The quick in your decisions and slow in changing them. Don’t be influenced by the opinion of others or the media. Have the courage to make your decision for self-improvement and use these 10 making the right decision quotes to help you. Decide what you are worth and go get it. Do you find yourself procrastinating? Are you influenced by the opinion of others? Let me know your thoughts in the comments section. As always, I appreciate your likes, comments, and follows. Let me know if there is a certain topic you would like me to cover in future articles. Don’t forget to take a look at my courses on self-improvement.

10 Quotes About Faith

I hope everyone is getting off to a good start in January. Today is a good time to talk about faith. Faith takes time to grow within you so I feel this information will be helpful in your journey to success. I have included these 10 quotes about faith. Read them and they will fortify the importance of having faith within you.

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10 Quotes About Faith

Whatever it is that you want to achieve, to be successful you need faith. For example, if you want to acquire wealth, you must have faith that it will happen because most people don’t become financially independent overnight. You have to believe that it’s going to happen at some time. You have to see the amount of money you desire in your mind.

Sometimes beautiful things come into our lives out of nowhere. We can’t always understand them, but we have to trust in them. I know you want to question everything, but sometimes it pays to just have a little faith.
~ Lauren Kate

It’s worth taking a risk when motivated by faith in God’s Word.
~  Ruben Barreto

There are two parts to the mind, the conscious and the subconscious. The subconscious mind is more powerful and can translate your thoughts into reality. If you are thinking positive thoughts, positive things will come to you. On the other hand, if you are thinking negative thoughts continually, you will get the negative things you are thinking about. For example, a person who is struggling financially constantly talks about their debt and bills. Consequently, they accrue more debt.

Faith Opens Up A Direct Line

Once you add faith to positive thought your subconscious mind transmits it to the universe. Without faith, that transmission is blocked. Simply saying and thinking positive thoughts isn’t enough. You must add faith to your daily affirmations. Know that it’s coming, feel the emotions you will have when you receive it and don’t worry about the timing. Just know that it’s on its way. Faith opens up the direct line of communication between us and God.

Faith is believing in something when common sense tells you not to. Breathe, and have faith that everything will work out for the best. Without faith a man can do nothing; with it all things are possible.
~ Sir William Osler

Faith is unquestioning belief.
~ Ronald Hopfer

These 10 quotes about faith will help you get what you desire. Your first step is to decide what you want. Once you decide, make it your definite purpose. Develop a burning desire to obtain it. Mix in faith and know that you already have what you want. Close your eyes and see yourself in possession of whatever it is you want. Do not worry about how you are going to obtain it. The subconscious mind will show you the plans for achieving success.

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To one who has faith, no explanation is necessary. To one without faith, no explanation is possible.
~ Thomas Aquinas

These 10 Quotes Are Helpful

How does one go about developing faith? In the 10 quotes about faith, the quote above by Thomas Aquinas shows how difficult it is to describe faith. Faith is not tangible and you can’t point to it. It is something you have or you don’t have. You develop faith through the repetition of affirmations daily. These affirmations will cross from your conscious mind to your subconscious mind. The more you repeat them, the more you believe. In time you will voluntarily develop an emotion of faith.

My faith didn’t remove the pain, but it got me through the pain. Trusting God didn’t diminish or vanquish the anguish, but it enabled me to endure it.
~ Robert Rogers

None of us knows what might happen even the next minute, yet still, we go forward. Because we trust. Because we have Faith.
~ Paulo Coelho

By adding emotion, i.e. happy or grateful, to your thoughts and combining with faith, those thoughts begin to translate to your desires through action. Thinking and saying, “by July 1, 2025, I am happy that I earn $10,000 monthly,” your subconscious mind will start showing you a plan to achieve the money. It’s up to you to recognize those plans and put them into action.

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Beware Of Negative Thoughts

As I said above in paragraph three, and it bears repeating, your thoughts are transferred to your subconscious mind causing great things to happen. As a word of warning, there is a negative counterpart. If you are constantly speaking and thinking negatively, these thoughts will bring negative things to you.

Faith is a knowledge within the heart, beyond the reach of proof.
~ Khalil Gibran

Send a drop of faith, with a single prayer and God, will show the way, as faith is always there.
~ Julie Hebert

As I wrap this up, if you want to change your current situation and live a better life keep these two statements in mind. A positive mind becomes a home for faith. A negative mind becomes a home for fear. Faith and fear cannot exist in the same place. Live your life by faith.

Faith is a very important attribute to positive thinking.
~ Hanif Raah

Final Thoughts

I hope these 10 quotes about faith will be helpful to you. Are you living by faith or by fear? Don’t forget to like, follow, and comment. Let me know if you have any topics you would like for me to write about. If you have any questions, you can leave them in the comments section or email me at tbcinspires@gmail.com.

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