Quote from Unknown Author

“What defines us is how well we rise after falling.”
– Unknown

Quote from Unknown Author

“An entire sea of water can’t sink a ship unless it gets inside the ship. Similarly, the negativity of the world can’t put you down unless you allow it to get inside you.”
– Unknown

Quote from Paulo Coelho

“One day you will wake up and there won’t be any more time to do the things you’ve always wanted. Do it now.”
– Paulo Coelho

Quote from Margaret Thatcher

Look at a day when you are supremely satisfied at the end. It’s not a day when you lounge around doing nothing; it’s when you’ve had everything to do, and you’ve done it.”
– Margaret Thatcher

Quote from Vince Lombardi

“The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather in a lack of will.”
– Vince Lombardi

Quote from Kevin Ngo

“You gotta get out there, take risks, put in the work, and not be afraid to fail. The longer you wait, the less opportunities you’ll have to try again if you do fail. The longer you put off pursuing your dreams, the less time you’ll have to enjoy your success if you succeed. Time doesn’t stop for any of us.”
– Kevin Ngo

Quote from Dale Carnegie

“Knowledge isn’t power until it is applied.”
– Dale Carnegie

Quote from Unknown Author

“Happy are those who dream dreams and are willing to pay the price to make them come true.”
– Unknown

Quote from Jack Canfield

“Don’t worry about failures, worry about the chances you miss when you don’t even try.”
– Jack Canfield

Quote from Unknown

“I don’t regret the things I’ve done, I regret the things I didn’t do when I had the chance.”
– Unknown

Quote from Buddha

“There are two mistakes one can make along the road to truth: Not going all the way and not starting.”
– Buddha

Quote from Alan Cohen

“Do not wait until the conditions are perfect to begin. Beginning makes the conditions perfect.”
– Alan Cohen

Quote from Mike Dooley

“The secret to living the life of your dreams is to start living the life of your dreams today, in every little way you possibly can.”
– Mike Dooley

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Quote from Theodore Roosevelt

“Do what you can, with what you have, where you are.”
– Theodore Roosevelt

Quotes by Rumi

“If all you can do is crawl, start crawling.”
– Rumi

Quote from Dr. Henry Link

“We generate fears while we sit. We overcome them by action. Fear is nature’s way of warning us to get busy.”
– Dr. Henry Link

Quotes of Unknown Author

“Many of the problems in life are because of two reasons: We act without thinking or we keep thinking without acting.”
– Unknown

Quote from C.J. Walker

“I had to make my own living and my own opportunity! But I made it! Don’t sit down and wait for the opportunities to come. Get up and make them!”
– C.J. Walker

Quote from Johann Wolfgang von Goethe

“Everything is hard before it is easy.”
– Johann Wolfgang von Goethe

Quote from Confucius

“The man who moves a mountain begins by carrying away small stones.”
– Confucius

Quote from Kevin Ngo

“You don’t need to do something with your life, just do something with each day.”
– Kevin Ngo

Quote from Ralph Waldo Emerson

“Without ambition one starts nothing. Without work one finishes nothing. The prize will not be sent to you. You have to win it.”
– Ralph Waldo Emerson

Quote from Arthur C. Clarke

“The only way of discovering the limits of the possible is to venture a little way past them into the impossible.”
– Arthur C. Clarke

Quote from Orison Swett Marden

“Most obstacles melt away when we make up our minds to boldly walk through them.”
– Orison Swett Marden

Quote from Unknown Author

You were given this life because you were strong enough to live it.”
– Unknown

Quote from Benjamin Franklin

“Well done is better than well said.”
– Benjamin Franklin

Quote from Nolan Bushnell

“Everyone who’s ever taken a shower has an idea. It’s the person who gets out of the shower, dries off and does something about it who makes a difference.”
– Nolan Bushnell

Quote Nelson Mandela

“It always seems impossible until it’s done.”
– Nelson Mandela

Quote from Unknown Author

“No matter how slow you go you are still lapping everyone on the couch.”
– Unknown

Quote from Unknown Author

“Take risks: If you win, you will be happy; if you lose, you will be wise.”
– Unknown

Quote from Ralph Waldo Emerson

“The only person you are destined to become is the person you decide to become.” – Ralph Waldo Emerson

Quote from George Bernard Shaw

“The people who get on in this world are the people who get up and look for the circumstances they want, and if they can’t find them, make them.”
– George Bernard Shaw

Quote from W. Clement Stone

“Thinking will not overcome fear, but action will.”
– W. Clement Stone

Quote from Christian D. Larson

“Believe in yourself and all that you are, know that there is something inside you that is greater than any obstacle.”
– Christian D. Larson

Quote from Unknown Author

“Discipline, not desire, determines destiny.”
– Unknown

Quote from Marilyn Vos Savant

“Being defeated is often a temporary condition. Giving up is what makes it permanent.”
– Marilyn Vos Savant

Quote from George Bernard Shaw

“The people who get on in this world are the people who get up and look for the circumstances they want, and if they can’t find them, make them.”
– George Bernard Shaw

Quote from Unknown Author

“Dead last is greater than did not finish which trumps did not start.”
– Unknown

Quote from Confucius

“The will to win, the desire to succeed, the urge to reach your full potential… these are the keys that will unlock the door to personal excellence.”
– Confucius

Quote from John Quincy Adams

“If your actions inspire others to dream more, learn more, do more and become more, you are a leader.”
– John Quincy Adams

Quote by Kevin Ngo

“Believe in possibilities. Believe in human potential. Believe in yourself and you’ll have the power to change your fate.”
– Kevin Ngo

Quote from Unknown Author

“Every time you stay out late; every time you sleep in; every time you miss a workout; every time you don’t give 100%… you make it that much easier for me to beat you.”
– Unknown

Quote from Napoleon Hill

“One of the most common causes of failure is the habit of quitting when one is overtaken by temporary defeat.”
– Napoleon Hill

Quote from William James

“Action may not always bring happiness, but there is no happiness without action.”
– William James

Quote from William James

“Action may not always bring happiness, but there is no happiness without action.”
– William James

Quote from Richard Bach

“If you argue for your limitations, sure enough, they’re yours.”
– Richard Bach

Quote from Rikki Rogers

“Strength doesn’t come from what you can do. It comes from overcoming the things you once thought you couldn’t.”
– Rikki Rogers

Quote from Mary Anne Radmacher

---

“Courage doesn’t always roar. Sometimes courage is the quiet voice at the end of the day saying, ‘I will try again tomorrow.'”
– Mary Anne Radmacher

Quote from Unknown Aurthur

“People who say it cannot be done should not interrupt those who are doing it.”
– Unknown

Quote by Charlie Jones

“Things don’t go wrong and break your heart so you can become bitter and give up. They happen to break you down and build you up so you can be all that you were intended to be.”
– Charlie Jones

Quote from Lou Holtz

“You were not born a winner, and you were not born a loser. You are what you make yourself to be.”
– Lou Holtz

Quote from Frasier Krane

“In the end, what we regret most are the chances we never took.”
– Frasier Krane

Quote from David Brinkley

“A successful man is one who can lay a firm foundation with the bricks others have thrown at him.”
– David Brinkley

Quote from Eleanor Roosevelt

“The future belongs to those who believe in the beauty of their dreams.”
– Eleanor Roosevelt

Quote from Lao Tzu

“A journey of a thousand miles begins with a single step.”
– Lao Tzu

Quote from Unknown Aurthur

“I do it because I can; I can because I want to; I want to because you said I couldn’t.”
– Unknown

Quote from Dalai Lama

“It is under the greatest adversity that there exists the greatest potential for doing good, both for oneself and others.”
– Dalai Lama

Quote from Robert Fritz

“If you limit your choices only to what seems possible or reasonable, you disconnect yourself from what you truly want, and all that is left is a compromise.”
– Robert Fritz

Quote from Unknown Arther

“Never give up on what you really want to do. The person with big dreams is more powerful than the one with all the facts.”
– Unknown

Quote from Horace Mann

“Let us not be content to wait and see what will happen, but give us the determination to make the right things happen.”
- Horace Mann

Quote from Elbert Hubbard

“The greatest mistake you can make in life is to be continually fearing you will make one.”
- Elbert Hubbard

Quote from Maxwell Maltz

“Remember you will not always win. Some days, the most resourceful individual will taste defeat. But there is, in this case, always tomorrow – after you have done your best to achieve success today.”
- Maxwell Maltz

Quote from Gandhi

“You may never know what results come from your action. But if you do nothing, there will be no result.”
- Gandhi

Quote form Hubert Humphrey

“It is not what they take away from you that counts. It’s what you do with what you have left.”
- Hubert Humphrey

Quote from John Wooden

“Things work out best for those who make the best of how things work out.”
- John Wooden

Quote from Bernice Johnson Reagon

“Life’s challenges are not supposed to paralyze you, they’re supposed to help you discover who you are.”
- Bernice Johnson Reagon

Quote from Marcus Aurelius

“The happiness of your life depends upon the quality of your thoughts.”
- Marcus Aurelius

Quote from Kevin Ngo

“Either take the chance and make achieving your dreams a possibility or don’t, and make living with regret a certainty.”
- Kevin Ngo

Quote from Unknown

“You never know how strong you are until being strong is the only choice you have.”
- Unknown

Quote from Jim Rohn

“You must take personal responsibility. You cannot change the circumstances, the seasons, or the wind, but you can change yourself.”
- Jim Rohn

Quote from Richard Koch

“Few people take objectives really seriously. They put average effort into too many things, rather than superior thought and effort into a few important things. People who achieve the most are selective as well as determined.”
- Richard Koch

Quote from Abraham Lincoln

“The best way to predict the future is to create it.” – Abraham Lincoln

Quote from Bill Gates

“If you’re born poor, it’s not your mistake. But if you die poor, it’s your mistake.”
- Bill Gates

Quote from Anatole France

“To accomplish great things we must not only act, but also dream, not only plan, but also believe.”
- Anatole France

Quote from David Guy Powers

“Each day is a new life. Seize it. Live it.”
- David Guy Powers

Quote from Orison Swett Marden

“All who have accomplished great things have had a great aim, have fixed their gaze on a goal which was high, one which sometimes seemed impossible.”
- Orison Swett Marden

Quote from Harriet Tubman

“Every great dream begins with a dreamer. Always remember, you have within you the strength, the patience and the passion to reach for the stars to change the world.”
- Harriet Tubman

Quote from Dale Carnegie

“It isn’t what you have, or who you are, or where you are, or what you are doing that makes you happy or unhappy. It is what you think about.”
-  Dale Carnegie

Quote from Jim Henson

“The attitude you have as a parent is what your kids will learn from more than what you tell them. They don’t remember what you try to teach them. They remember what you are.”
- Jim Henson

Quote from Mark Twain

“Keep away from people who try to belittle your ambitions. Small people always do that, but the really great make you feel that you, too, can become great.”
- Mark Twain

Quote from Bertie Charles Forbes

“History has demonstrated that the most notable winners usually encountered heartbreaking obstacles before they triumphed. They won because they refused to become discouraged by their defeats.”
- Bertie Charles Forbes

Quote by Steve Farber

“Make sure that your actions and behaviors live up to and reflect the words and ideas, promises and commitments that come out of your mouth.”
- Steve Farber

Quote from James R. Cook

“Do just once what others say you can’t do, and you will never pay attention to their limitations again.”
- James R. Cook

Quote from Steve Jobs

---

“Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma — which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.”
- Steve Jobs

Quote from Jim Rohn

“You must constantly ask yourself these questions: Who am I around? What are they doing to me? What have they got me reading? What have they got me saying? Where do they have me going? What do they have me thinking? And most important, what do they have me becoming? Then ask yourself the big question: Is that okay? Your life does not get better by chance, it gets better by change.”
- Jim Rohn

Quote from Dale Carnegie

“One of the most tragic things I know about human nature is that all of us tend to put off living. We are all dreaming of some magical rose garden over the horizon instead of enjoying the roses blooming outside our windows today.”
- Dale Carnegie

Quote from James R. Cook

“Do just once what others say you can’t do, and you will never pay attention to their limitations again.”
- James R. Cook

Quote for Steve Jobs

“Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it. And, like any great relationship, it just gets better and better as the years roll on. So keep looking until you find it. Don’t settle.”
- Steve Jobs

Quote from Diana Ross

“You can’t just sit and wait for people to give you that golden dream. You’ve got to get out there and make it happen for yourself.”
- Diana Ross

Quote by Les Brown

“When life knocks you down, try to land on your back. Because if you can look up, you can get up.” – Les Brown

Quote from Les Brown

“Accept responsibility for your life. Know that it is you who will get you where you want to go, no one else.”
- Les Brown (Live Your Dreams)

Quote from Ralph S. Marston, Jr.

“The real person you are is revealed in the moments when you’re certain no other person is watching. When no one is watching, you are driven by what you expect of yourself.”
- Ralph S. Marston, Jr.

Quote from Robert Anthony

“Most people would rather be certain they’re miserable, than risk being happy.”
- Robert Anthony

Quote from Bruce Barton

“Nothing great has ever been achieved except by those who dared to believe that something inside them was superior to circumstances.”
- Bruce Barton

Quote from Dale Carnegie

“Inaction breeds doubt and fear. Action breeds confidence and courage. If you want to conquer fear, do not sit home and think about it. Go out and get busy.”
- Dale Carnegie

Quote from Bruce Lee

“If you always put limits on what you can do, physical or anything else, it’ll spread over into the rest of your life. It’ll spread into your work, into your morality, into your entire being. There are no limits. There are plateaus, but you must not stay there, you must go beyond them. If it kills you, it kills you. A man must constantly exceed his level.” – Bruce Lee (The Art of Expressing the Human Body)

Quote from Richard L. Evans

“Don’t let life discourage you; everyone who got where he is had to begin where he was.”
- Richard L. Evans

Quote by James Cash Penney

“I am grateful for all of my problems. After each one was overcome, I became stronger and more able to meet those that were still to come. I grew in all my difficulties.”
- James Cash Penney

Quote form Unknown Source

“When the world says, ‘Give up’, Hope whispers, ‘Try it one more time.’”
- Unknown

Quote from George W. Carver

“Ninety-nine percent of failures come from people who have the habit of making excuses.” – George W. Carver

Quote from Mary Manin Morrissey

“Don’t wait for something big to occur. Start where you are, with what you have, and that will always lead you into something greater.”
- Mary Manin Morrissey

Quote for Napoleon Hill

“The starting point of all achievement is desire. Keep this constantly in mind. Weak desires bring weak results, just as a small fire makes a small amount of heat.”
- Napoleon Hill (Think and Grow Rich)

Qoute for George Bernard Shaw

“A life spent making mistakes is not only more honorable but more useful than a life spent doing nothing.” – George Bernard Shaw

Quote from Maxwell Maltz

“Often the difference between a successful person and a failure is not one has better abilities or ideas, but the courage that one has to bet on one’s ideas, to take a calculated risk – and to act.”
- Maxwell Maltz

Quote from Unknown

“Learn to appreciate what you have, before time makes you appreciate what you had.”
- Unknown

Quote from Denis Waitley

“Losers live in the past. Winners learn from the past and enjoy working in the present toward the future.”
- Denis Waitley

Quote for Amar Dave

“Too many people are thinking the grass is greener on the other side of the fence, when they ought to just water the grass they are standing on.”
- Amar Dave

Quote from Jerry Rice

“Today I will do what others won’t, so tomorrow I can accomplish what others can’t.”
- Jerry Rice

Quote from Leonard Rubino

“Show me a person who doesn’t make mistakes and I’ll show you a person who doesn’t do anything.”
- Leonard Rubino

Quote from Og Mandino

“So long as there is breath in me, that long I will persist. For now I know one of the greatest principles on success; if I persist long enough I will win.” – Og Mandino

Quote from Kevin Ngo

“It is during our failures that we discover our true desire for success.”
- Kevin Ngo

Qoute from Jesse Owens

“We all have dreams. But in order to make dreams come into reality, it takes an awful lot of determination, dedication, self-discipline, and effort.”
- Jesse Owens

Quote from Harrison Ford

“I realized early on that success was tied to not giving up. Most people in this business gave up and went on to other things. If you simply didn’t give up, you would outlast the people who came in on the bus with you.”
- Harrison Ford

Qoute by John Maxwell

“A difficult time can be more readily endured if we retain the conviction that our existence holds a purpose – a cause to pursue, a person to love, a goal to achieve.”
- John Maxwell (Psycho-Cybernetics)

quote from Don Shula

“The start is what stops most people.”
- Don Shula

Quote from Kevin Ngo

“If you don’t make the time to work on creating the life you want, you’re eventually going to be forced to spend a LOT of time dealing with a life you DON’T want.”
- Kevin Ngo

Quote from Washington Irving

“Great minds have great purposes, others have wishes. Little minds are tamed and subdued by misfortune; but great minds rise above them.”
- Washington Irving

Quote from E. E. Cummings

“It takes courage to grow up and become who you really are.”
- E. E. Cummings

Quote from Gandhi

“If I have the belief that I can do it, I shall surely acquire the capacity to do it even if I may not have it at the beginning.”- Gandhi

Quote from Charles R. Swindoll

“If you are going to achieve excellence in big things, you develop the habit in little matters. Excellence is not an exception, it is a prevailing attitude.”–Charles R. Swindoll

Quote from Aristotle

“Excellence is an art won by training and habituation. We do not act rightly because we have virtue or excellence, but we rather have those because we have acted rightly. We are what we repeatedly do. Excellence, then, is not an act but a habit.”–Aristotle

Quote from William J. Bennett - The Book of Virtues

“Give yourself an even greater challenge than the one you are trying to master and you will develop the powers necessary to overcome the original difficulty.”–William J. Bennett - The Book of Virtues

Quote from Mark Victor Hansen

“By recording your dreams and goals on paper, you set in motion the process of becoming the person you most want to be. Put your future in good hands — your own.”–Mark Victor Hansen

Qoute from Benjamin Mays

“The tragedy in life doesn’t lie in not reaching your goal. The tragedy lies in having no goal to reach.”–Benjamin Mays

Quote by Confucius

“Choose a job you love, and you will never have to work a day in your life.” –Confucius

Qoute from Alexander Graham Bell

“When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us.” –Alexander Graham Bell

Quote by George Matthew Adams

There is no such thing as a self-made man. We are made up of thousands of others. Every one who has ever done a kind deed for us, or spoken one word of encouragement to us, has entered into the make-up of our character and of our thoughts, as well as our success.
-- George Matthew Adams

Qoute by Brian Tracy

“Never say anything about yourself you do not want to come true.” –Brian Tracy

Quote from Audrey Hepburn

“Opportunities don’t often come along. So, when they do, you have to grab them.” –Audrey Hepburn

Quote

“Take risks: if you win, you will be happy; if you lose, you will be wise.” –Author Unknown

Quote from H. Stanley Judd

“Don’t be afraid to fail. Don’t waste energy trying to cover up failure. Learn from your failures and go on to the next challenge. It’s OK to fail. If you’re not failing, you’re not growing.” –H. Stanley Judd

Quote from Ralph Waldo Emerson

“Big jobs usually go to the men who prove their ability to outgrow small ones.” –Ralph Waldo Emerson

Quote from Norman Vincent Peale

“Believe in yourself! Have faith in your abilities! Without a humble but reasonable confidence in your own powers you cannot be successful or happy.”–Norman Vincent Peale

Quote from Winston Churchill

“Success consists of going from failure to failure without loss of enthusiasm.”–Winston Churchill

Quote from Arthur Ashe

“One important key to success is self-confidence. An important key to self-confidence is preparation.” –Arthur Ashe

Quote from Katherine Whitehorn

“Find out what you like doing best and get someone to pay you for doing it.” –Katherine Whitehorn

Quote from Andrew Carnegie

“People who are unable to motivate themselves must be content with mediocrity, no matter how impressive their other talents.” –Andrew Carnegie“People who are unable to motivate themselves must be content with mediocrity, no matter how impressive their other talents.” –Andrew Carnegie

Quote from Eleanor Roosevelt

“The future belongs to those who believe in the beauty of their dreams.” –Eleanor Roosevelt

Quote from Japanese proverb

“Fall seven times, stand up eight.” –Japanese proverb

Quote from Zig Ziglar

If you can dream it, you can achieve it. –Zig Ziglar

Quote from Steve Jobs

The only way to do great work is to love what you do. –Steve Jobs

Quote from Audrey Hepburn

Nothing is impossible, the word itself says, “I’m possible!” –Audrey Hepburn

Quote from Norman Vincent Peale

Change your thoughts and you change your world. –Norman Vincent Peale

Quote from Abraham Lincoln

It’s not the years in your life that count. It’s the life in your years. –Abraham Lincoln

Quote from Henry David Thoreau

Quote from Henry Ford

When everything seems to be going against you, remember that the airplane takes off against the wind, not with it. –Henry Ford

Quote from Ayn Rand

The question isn’t who is going to let me; it’s who is going to stop me. –Ayn Rand

Quote from Grandma Moses

Life is what we make it, always has been, always will be. –Grandma Moses

Quote from Eleanor Roosevelt

Remember no one can make you feel inferior without your consent. –Eleanor Roosevelt

Quote from Beverly Sills

You may be disappointed if you fail, but you are doomed if you don’t try. –Beverly Sills

Quote from Mae Jemison

. It’s your place in the world; it’s your life. Go on and do all you can with it, and make it the life you want to live. –Mae Jemison

Quote from Judy Garland

"Always be a first-rate version of yourself, instead of a second-rate
version of somebody else."
~Judy Garland

Quote from George Sand

"one changes from day to day...every few years one becomes a new being."
~George Sand

Quote from Samuel Johnson

"Great work are performed not by strength, but perservance."
~Samuel Johnson

Quote from Gloria Steinem

Dreaming, after all, is a form of planning. –Gloria Steinem

Quote from Tony Robbins

If you do what you’ve always done, you’ll get what you’ve always gotten. –Tony Robbins

Quote from Democritus

Quote from Teddy Roosevelt

Do what you can, where you are, with what you have. –Teddy Roosevelt

Quote from Martin Luther King Jr.

Our lives begin to end the day we become silent about things that matter. –Martin Luther King Jr.

Quote by Oprah Winfrey

If you look at what you have in life, you’ll always have more. If you look at what you don’t have in life, you’ll never have enough. –Oprah Winfrey

Quote from Confucius

It does not matter how slowly you go as long as you do not stop. –Confucius

Quote from Jesse Owens

The battles that count aren’t the ones for gold medals. The struggles within yourself–the invisible battles inside all of us–that’s where it’s at. –Jesse Owens

Quote from Jim Rohn

"If you don't change what you are doing today, all of your tomorrows will look like yesterday."
~Jim Rohn

Quote from Farrah Gray

Build your own dreams, or someone else will hire you to build theirs. –Farrah Gray

Quote from Vincent van Gogh

I would rather die of passion than of boredom. –Vincent van Gogh

Quote from Oprah Winfrey

You become what you believe. –Oprah Winfrey

Quote from George Eliot

It is never too late to be what you might have been. –George Eliot

Quote from Herm Albright

Quote from Albert Einstein

"Logic will get you from A to B.  Imagination will take you everywhere."
~Albert Einstein

Quote for Bill Cosby

In order to succeed, your desire for success should be greater than your fear of failure. –Bill Cosby

Quote from Bob Dylan

What’s money? A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do. –Bob Dylan

Quote from Jamie Paolinetti

Limitations live only in our minds.  But if we use our imaginations, our possibilities become limitless. –Jamie Paolinetti

Quote from Mary Kay Ash

"For every failure, there's an alternative course of action. You just have
to find it. When you come to a roadblock, take a detour."
~Mary Kay Ash

I was successful at negotiating a settlement for post garnishment & default judgment

I was successful at negotiating a settlement for post garnishment & default judgment situation, with a collection agency. This was far less then the judgment against my client.  My billable fees to this client were only $16.25.    

  

I specialized in helping individuals and families that have suffered unsuspected hardships, to get back on their feet and to get ahead in the future. We offer free self-help and coaching service by phone or in-person. Our coaches are here to motivate you, encourage you, and help you through a very stressful and terrifying experience, to become financially healthy.

The coaching services included

Financial wellness program

Credit counseling

Debt management

Money management

Credit repair

Basic budgeting

Future goal setting and recommendations.

The benefits are better financial worthiness and less stressful life.

You’re going to feel better about your self and others around you. Simply by meeting your specific financial goals.

http://www.columbusfinancialcoach.com/Services.html

 

Quote from Leonardo da Vinci

I have been impressed with the urgency of doing. Knowing is not enough; we must apply. Being willing is not enough; we must do. –Leonardo da Vinci

Quote from Booker T. Washington

If you want to lift yourself up, lift up someone else. –Booker T. Washington

Quote from Joshua J. Marine

Challenges are what make life interesting and overcoming them is what makes life meaningful. –Joshua J. Marine

Quote from Joshua J. Marine

Challenges are what make life interesting and overcoming them is what makes life meaningful. –Joshua J. Marine

Quote from Les Brown

Too many of us are not living our dreams because we are living our fears. –Les Brown

Quote for Plato

We can easily forgive a child who is afraid of the dark; the real tragedy of life is when men are afraid of the light. –Plato

Quote from George Addair

Everything you’ve ever wanted is on the other side of fear. –George Addair

Quote from Theodore Roosevelt

Believe you can and you’re halfway there. –Theodore Roosevelt

Quote from Ancient Indian Proverb

Certain things catch your eye, but pursue only those that capture the heart. – Ancient Indian Proverb

Quote from Booker T. Washington

Few things can help an individual more than to place responsibility on him, and to let him know that you trust him.  –Booker T. Washington

Quote form Erma Bombeck

When I stand before God at the end of my life, I would hope that I would not have a single bit of talent left and could say, I used everything you gave me. –Erma Bombeck

Quote from Abraham Lincoln

"No man has a good enough memory to be a successful liar."
~Abraham Lincoln

Quote from Henry David Thoreau

Go confidently in the direction of your dreams.  Live the life you have imagined. –Henry David Thoreau

Quote from Ralph Waldo Emerson

The only person you are destined to become is the person you decide to be. –Ralph Waldo Emerson

The 10 things you need to become financial successful in life

Mar. 21, 2014

By Daniel Ameduri

This is a topic that I gave a lot of thought to when I was younger, not because I wanted to mimic the lifestyle of a rapper, but because I was always passionate about not being stuck at a job. I think doing what you love is great, but I think doing what you love on your own time, whenever you want is even better.

Financial freedom is a mindset that puts into motion a life of discipline so that you can achieve your goals.

Over the course of the past 17 years I’ve read nearly every personal finance book I could get my hands on. Of course it all started with Robert Kiyosaki’s book, If You Want To Be Rich And Happy, Don’t Go To School. This was his first book, before the Rich Dad Poor Dad book, a book that I highly recommend to all.

From the books I’ve read, mentors I’ve spoken with, and my own life’s journey, here are 10 actions that will make you rich.

One important note before I begin, there are may definitions of the word rich, to keep things simple I will be talking about getting rich financially, enough wealth to where you could go 10 years without earning a single dime and still have money left over.

1. Have a plan

You have to plan to get rich if you want to be rich. Even people who play the lottery have a plan…It might not be a very good one or even successful, but they do have a plan laid out, keep buying tickets until they win.
Having a plan is the difference between wishing you were rich and living rich before you actually become rich. I’m not talking about living lavishly, I am talking about being wise with your money.
Create more than one plan, I always had a long term plan, one where I guaranteed myself a significant amount of wealth over the course of 3 decades. My second tier plan was a way for me to get rich in 15 years; and my 3rd plan, the plan that I mainly focused on, was a 5 year plan.
You want to have fall back plans that are more conservative and guaranteed because in the beginning, creating wealth is difficult. Only after you have the knowledge, experience, and money does your wealth compound.

2. Become a compulsive saver

In my own life, this was huge; my wife and I are both relentless savers. Saving probably an average of 75% of our income over the past 3 years, prior to that we probably saved at least 25%. Not losing money you’ve earned, as well as taking the money you’ve earned and putting it to work is going to be a crucial part of your wealth building.
One of the most important values in my life is always thinking about how I will put my dollars to work. Think of each dollar as a potential employee or business, each dollar will happily work for you if you give it a job.

3. Focus on investments that cash flow

Stocks that pay dividends, rental properties, becoming a lender, or anything else you can buy that will give you passive income.
Forget about speculative or capital appreciation.
Every single time I tell people I buy houses for rental income, I always hear questions about the real estate market going down or the party being over for appreciation…I don’t care. I don’t give the value of my house a single thought. I want the income, it makes no difference to me if the house is worth $250,000 or $50,000, it doesn’t effect me. All that matters is how much money I am making from the property.

4. Buy at the right price

A great saying in the investment world is that you make money when you buy. Meaning, if the deal is structured correctly, you always walk into an investment wealthier than you were before. This goes for other things as well, including buying everyday items. Saving money because you are buying at the right price will add up to a lot over the years and decades ahead.

5. Treat debt as your archenemy

Never go into debt for a vehicle, consumer good, or product that doesn’t produce the income to service the debt. This is a powerful code to live by, because if you just live by this one rule, you will not only become financially rich, but this will open up the floodgates of freedom in your life. Do not become an indentured servant by going into debt for a piece of metal that you drive to and from work. It’s important to accept that no one cares what you drive or what brand your clothes are.
Sure, it feels great introducing your new car to friends for about the first 20 seconds, but after that no one cares; so don’t get stuck with a 2,190 day financing commitment.

6. Invest in your relationships

Mentors, clients, and your financial team. Whether it is your realtor or elderly neighbor who made a fortune in commodities 20 years ago, learn from other people and treat them with respect.

7. Educate yourself

Surround yourself with audio books, podcasts, and sign up for a few financial newsletters.
Most conventional education through a college or university is a waste of time in my opinion. Not only are these instructors not wealthy themselves, but the ones that are, are wealthy because they have sucked from the big tit of government, with these ridiculous state worker pension plans.

8. Diversification

Real diversification, meaning owning rental properties, stocks, private businesses, lending, farmland, precious metals, whole life policies, and other assets.
I hate the typical idea of diversification between mutual funds, individual stocks, bonds, REITS, and MLP’s. These are ALL tied to the stock market, so this is not diversification.

9. Live below your means

If you are under 35, this is what I call your asset accumulation phase, you should be aggressively acquiring income producing investments that will guarantee your financial freedom by the time you are 50.
To do this, you need to live below your means, this starts off by avoiding the trap of keeping up with the Joneses. Don’t get caught up in the love affair with stuff or having the same status-like items that your friends have who will remain poor until the day they die.
If you make $50,000 a year and you drive a $25,000 car, you’re an idiot. With $25,000 or the payments needed to support that car, you could be building a massive amount of wealth for the future.

10. Compound your wealth

Imagine a hockey stick laying on the ground pointing straight up. This is the effect of compounding your wealth, it takes time, and is barely noticeable in the beginning, however, after decades of re-investing your wealth, eventually your net worth will go parabolic. People who are in their 20’s who start investing today, even if for just the next 7 years, can actually become wealthier than someone who doesn’t start investing for 7 years, but then invests every year until they retire. That’s how powerful it is to start putting your money to work immediately.


Columbus Financial Coach

http://www.columbusfinancialcoach.com

Related Thought

4 Ways Entitlements For The Rich Cheat The Rest Of Us

Their entitlements can be summarized into four categories, each of which reveals clear advantages that the very rich take for granted.

The wealthy understand this, which is why a 2% dividend can one day become a 100% dividend on your original investment, if given enough time. This practice creates legacy wealth, a wealth that will be transferred to our children and your children’s children.
Albert Einstein said, “compound interest is the eighth wonder in the world…He who understands it, earns it…he who doesn’t…pays it.”
Think about that the next time you are at your bank signing up for a loan, YOU are becoming someone else’s asset. You are helping their dollars create more dollars.
If you want to be rich, then act rich. The actions of the rich are not what Hollywood portrays, it is applying the above commentary to your daily living.

Quote from Jesus

Ask and it will be given to you; search, and you will find; knock and the door will be opened for you. –Jesus

Quote from Aristotle

There is only one way to avoid criticism: do nothing, say nothing, and be nothing. –Aristotle

Quote from Anais Nin

Life shrinks or expands in proportion to one’s courage. –Anais Nin

Quote from Zig Ziglar

People often say that motivation doesn’t last. Well, neither does bathing.  That’s why we recommend it daily. –Zig Ziglar

Quote from Frank Sinatra

The best revenge is massive success. –Frank Sinatra

Quote from Johann Wolfgang von Goethe

Whatever you can do, or dream you can, begin it.  Boldness has genius, power and magic in it. –Johann Wolfgang von Goethe

Quote from Ray Charles

"I never wanted to be famous.  I only wanted to be great."
~Ray Charles

Quote form Mark Twain

The two most important days in your life are the day you are born and the day you find out why. –Mark Twain

Qoute from Henry Ford

Whether you think you can or you think you can’t, you’re right. –Henry Ford

Quote from Jim Rohn

Either you run the day, or the day runs you. –Jim Rohn

Quote from Maya Angelou

I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel. –Maya Angelou

Quote from Stephen Covey

I am not a product of my circumstances. I am a product of my decisions. –Stephen Covey