Saturday, November 17, 2012

Own Your Dreams

An excerpt from
Own Your Dreams
by John Maxwell What is your dream?

How will you achieve it?

The first question may be difficult to answer. You may have many dreams. Yet, there must be one that stands out above all others...one that inspires you, energizes you, and empowers you to do everything you can to achieve it.

The second question is the reason most people never realize their dreams. They have no strategy in place for attaining it, no knowledge of what is needed and must be sometimes sacrificed to have the dream come true.

Will you achieve your dreams in your lifetime?

I'm certain that you desire to. I'm sure you hope you will. But will you actually do it? What odds would you give yourself? One in five? One in a hundred? One in a million? How can you tell whether your chances are good or whether your dream will always remain exactly that—a dream?

Most people have no idea how to achieve their dreams. What they possess is a vague notion that there is something they would like to do someday or someone they would like to become. But they don't know how to get from here to there. If that describes you, then you'll be glad to know that there really is hope.

Friday, November 9, 2012


 Vintage Essays By Judy Williamson, Director of the Napoleon Hill World Learning Center at Purdue University Calumnet


 Change is a process that most people do not like to undertake. Whether it’s a change in jobs, homes, relationships, memberships, etc., in almost all areas people complain about the change process. Instead of embracing the new that is approaching on the horizon, people lament the old that is slipping away. You might think of it as the dawn and the sunset. Both occurrences are beautiful and serve to enhance each other. Yet alone, a lifetime of sunsets would not be the same as a lifetime that experiences both.
Looking at change from a different perspective, it would be a happier and easier process if we looked at what we are gaining rather than what we are losing. Think of it as the yin and the yang of the universe. Without change we would become stagnant. Stagnant water stinks. It is not drinkable, and no one wants to swim in it. Animals avoid it and people do too.
Conversely, living water is water that flows and refreshes itself and its boundaries. It invites us to its shores as we watch and listen to the process. It invigorates us rather than depresses us. Change can be that way too if we allow ourselves to see it from the angle of newness.
Being part of the here and now requires us to embrace change. A change in routine, diet, exercise, or in whatever else has become stagnant in our lives, can change our world. It does not have to be monumental to make a difference in our lives, but we do have to begin the process. It could be as simple as a thirty minute walk during the day that can be the start of further change.
Why not challenge yourself to the change process if you feel you are stuck in a stagnant life? Find a small change to make that is non-threatening at first, and then do it. Like the snowball that gathers speed and size as it rolls downhill, I just bet you will find that everything about change is not negative. And, there is much more of the positive that you will like to explore in this process when you take that first bold step toward gifting yourself with more of life!
Be Your Very Best Always,
Judy Williamson

Thursday, June 7, 2012

It's Not Where You Start—It's How You Finish



An excerpt from
Achieve Any Goal
by Brian Tracy  
 

When I was eighteen, I left high school without graduating. My first job was as a dishwasher in the back of a small hotel. From there, I moved on to washing cars and then washing floors with a janitorial service. For the next few years, I drifted and worked at various laboring jobs, earning my living by the sweat of my brow. I worked in sawmills and factories. I worked on farms and ranches. I worked in the tall timber with a chain saw and dug wells when the logging season ended.

I worked as a construction laborer on tall buildings and as a seaman on a Norwegian freighter in the North Atlantic. Often I slept in my car or in cheap rooming houses. When I was twenty-three, I worked as an itinerant farm laborer during the harvest, sleeping on the hay in the farmer's barn and eating with the farmer's family. I was uneducated and unskilled, and at the end of the harvest, I was unemployed once more.

When I could no longer find a laboring job, I got a job in straight commission sales, cold-calling office-to-office and door-to-door. I would often work all day long to make a single sale so that I could pay for my rooming house and have a place to sleep that night. This was not a great start at life.

The Day My Life Changed

Then one day, I took out a piece of paper and wrote down an outrageous goal for myself. It was to earn $1,000 per month in door-to-door and office-to-office selling. I folded up the piece of paper, put it away, and never found it again.

But thirty days later, my entire life had changed. During that time, I discovered a technique for closing sales that tripled my income from the very first day. Meanwhile, the owner of my company sold out to an entrepreneur who had just moved into town. Exactly thirty days after I had written down my goal, the new owner took me aside and offered me $1,000 per month to head up the sales force and teach the other salespeople what I was doing that enabled me to sell so much more than anyone else. I accepted his offer, and from that day forward, my life was never the same.

Within eighteen months, I had moved from that job to another and then to another. I went from personal selling to becoming a sales manager with people selling for me. In a new business, I recruited and built a ninety-five-person sales force. I went literally from worrying about my next meal to walking around with a pocket full of $20 bills.

I began teaching my salespeople how to write out their goals and how to sell more effectively. In almost no time at all, they increased their incomes as much as tenfold. Today, many of them are millionaires and multimillionaires.

Life Goes Up and Down

I have to admit that since those days in my mid-twenties, my life has not been a smooth series of upward steps. It has included many ups and downs, marked by occasional successes and temporary failures. I have traveled, lived, and worked in more than ninety countries, learning French, German, and Spanish along the way and working in twenty-two different fields.

As the result of inexperience and sometimes sheer stupidity, I have spent or lost everything I made and had to start over again—several times. Whenever this happened, I would begin by sitting down with a piece of paper and laying out a new set of goals for myself.

After several years of hit-and-miss goal setting and goal achieving, I finally decided to collect everything I had learned into a single system. By assembling these ideas and strategies in one place, I developed a goal-setting methodology and process, with a beginning, middle, and end, and began to follow it every day.

Within one year, my life had changed once more. In January of that year, I was living in a rented apartment with rented furniture. I was $35,000 in debt and driving a used car that wasn't paid for. By December, I was living in my own $100,000 condominium. I owned a new Mercedes, had paid off all my debts, and had $50,000 in the bank.

Then I really got serious about success. I realized that goal setting was incredibly powerful. I invested hundreds and then thousands of hours reading and researching goal setting and goal achieving, synthesizing the best ideas I could find into a complete process that worked with incredible effectiveness.

Anyone Can Do It

What I found was that these ideas work everywhere, for everyone, in virtually every country, no matter what your education, experience, or background may be when you begin.

Best of all, these ideas have made it possible for me and many thousands of others to take complete control over our lives. The regular and systematic practice of goal setting has taken us from poverty to prosperity, from frustration to fulfillment, from underachievement to success and satisfaction. This system will do the same for you. 

Wednesday, April 18, 2012

The Power of Attitude

An excerpt from
The Power of Attitude

by Mac Anderson 

In many ways, we're alike; however, one little difference almost always makes a big difference. The little difference is attitude.

William James, over a century ago, said, "The greatest discovery of this generation is that a human being can alter their life by altering their attitude." I believe this with all my heart, and over the years have seen it happen countless times. What most people fail to realize is that your attitude not only impacts your happiness and your success, it also can impact the happiness and success of all the people around you...your family, your friends, and your peers at work. Attitudes truly are contagious, and from time to time we need to ask ourselves..."is mine worth catching?"

There is no way to overstate the importance of a positive attitude in your life. However, no one can underestimate the difficulty in maintaining it. It's not easy, and it's a very personal thing, but it can be done.

The Power of Attitude was written with that in mind. I only can share with you what works for me in developing and maintaining a positive approach to life. My goal is that some of the ideas and stories I'll share will inspire you to live the life of your dreams and to make a positive difference in the lives of others.

It's my hope that this book will be a useful tool in helping you:

• Manage your energy levels
• Keep your soul alive
• Take new paths
• Reduce stress
• Develop the "Human Touch"
• Attack your fears
• Live in awe
• Savor small successes
• Burn brightly without burning out
• Hang on when the storms blow through

Wednesday, March 28, 2012

An Empty Pickle Jar

A professor stood before his philosophy class and had some items in front of him. When the class began, wordlessly he picked up a very large and empty pickle jar and proceeded to fill it with golf balls.

He then asked the students if the jar was full. They agreed that it was. So the professor then picked up a box of pebbles and poured them into the jar. He shook the jar lightly. The pebbles rolled into the open areas between the golf balls. He then asked the students again if the jar was full. They agreed it was.


The professor next picked up a box of sand and poured it into the jar. Of course, the sand filled up everything else. He asked once more if the jar was full. The students responded with a unanimous "yes."

The professor then produced two glasses of chocolate milk from under the table and poured the entire contents into the jar effectively filling the empty space between the sand.

The students laughed.

The Moral of the Story - The professor waited for the laughter to subside....

"Now," said the professor, "I want you to recognize that this jar represents your life. The golf balls are the important things...your family, your children, your health, your friends, your favorite passions. Things that if everything else was lost and only they remained, your life would still be full."

"The pebbles are the other things that matter like your job, your home, your car."

"The sand is everything else...The small stuff. If you put the sand into the jar first, there is no room for the pebbles or the golf balls. The same goes for life. If you spend all your time and energy on the small stuff, you will never have room for the things that are critical to your happiness."

"Play with your children. Take time to get medical checkups. Take your partner to dinner. Play another 18. There will always be time to clean the house or fix the disposal."

"Take care of the golf balls first, the things that really matter. Set your priorities, the rest is just sand."


This story is a wonderful reminder to focus on what is most important in our lives.

Wednesday, February 29, 2012

How home closing costs can add up

 Home buyers are often advised to set aside one-to-three per cent of the purchase price of their house for closing costs.  These fees are explained during the home buying process, but it is helpful to ask questions so you fully understand how these costs can affect  your budget.

Legal fees: On average you should budget $600 to $900 for legal fees and an additional $200 to $400 for disbursements, which includes registering the mortgage, completing a tax certificate, and doing a title search on the property.  On top of that you may pay administrative fees for postage, faxing and photocopying.
Shop around. Some law offices specialize in handling mortgage disbursements and offer cheaper rates.  Ask your bank or mortgage broker which law firm they recommend and then call at least 3 other lawyers for quotes.  A few phone calls can save you hundreds of dollars.  I paid $810 for legal fees and disbursements - the next best quote was over $1,000.

Related: Never buy a house without a home inspection

Property tax adjustment: If you buy an existing home, the previous owners have paid property taxes to the City.  On closing, you will be required to reimburse them for the taxes they have prepaid for the year. 
For example if the previous owners paid $2,000 in property taxes for the year and you took possession of their home on June 30, you will be required to pay the owner half the pre-paid taxes, or $1,000.

Interest adjustment Date: Depending on the date chosen by your lender as the interest adjustment (the date the mortgage starts) you may be required to pay interest from the closing date until your interest adjustment date.  The maximum amount would be one month’s interest at the rate of your mortgage.
For example, our mortgage was advanced when we took possession of our home on August 15.  We owed an interest-only payment from the advance date until September 1, which was our interest adjustment date.  Our first full mortgage payment came out on October 1.

While it may sound like you get some reprieve by skipping a monthly mortgage payment, most people want to start eliminating this debt as quickly as possible.

Land Transfer Tax: In general, if you buy land or an interest in land in Ontario, you must pay Ontario's land transfer tax, whether or not the transfer is registered at one of Ontario's land registry office.
Land includes any buildings, buildings to be constructed, and fixtures (such as light fixtures, built-in appliances and cabinetry). The land transfer tax payable is normally based on the amount paid for the land. If you are a first-time homebuyer, you may be eligible for a refund of all or part of the tax.


Calculation of Land Transfer Tax
  • 0.5% of the value of the consideration up to and including $55,000,
  • 1% of the value of the consideration which exceeds $55,000 up to and including $250,000, and
  • 1.5% of the value of the consideration which exceeds $250,000, and
  • 2% of the amount by which the value of the consideration exceeds $400,000 for land that contains at least one and not more than two single family residences.
  • On July 1, 2010, Ontario introduced a federally administered Harmonized Sales Tax (HST) that applies to most purchases and transactions. The HST applies to newly constructed homes, but does not apply to resale homes. Buyers of new homes will receive a rebate of up to $24,000 regardless of the price of the new home.
Title Insurance: Title insurance does not replace the role of the lawyer. It simply provides an added level of protection for the purchaser(s). Ontario lawyers still must search title and certify the status of title before a title insurance policy can be issued.  For a one-time premium ($150 - $299), the policy protects the purchaser(s) and mortgage lender against losses suffered from matters set out below as well as other matters more specifically outlined in the policy:
  • defects that would have been revealed by an up-to-date survey
  • survey errors or illegibility of survey
  • encroachments (before or after closing)
  • contravention of municipal zoning by-laws
  • unmarketability of title
  • defects in the title
  • invalidity or unenforceability of the mortgage on title
  • liens
  • easements (other than usual easements for utilities, etc.)
  • contravention of subdivision, development and other agreements
  • priority of certain construction liens
  • priority of unregistered easements and rights of way
  • fraud or forgery (prior to and after closing)
  • solicitor error, omission or fraud
  • unpaid property taxes or local improvement charges by a prior owner

Hidden costs can make it difficult to stick to a budget, especially for a first time home buyer.  Be sure to ask your Broker in advance for a detailed description of all your closing costs so they are factored into your overall budget.

Saturday, February 25, 2012

Charging the Human Battery

An excerpt from
Charging the Human Battery
by Mac Anderson

The older I get, the more I enjoy Saturday morning. Perhaps it's the quiet solitude that comes with being the first to rise, or maybe it's the unbounded joy of not having to be at work. Either way, the first few hours of a Saturday morning are most enjoyable.

A few weeks ago, I was shuffling toward the garage with a steaming cup of coffee in one hand and the morning paper in the other. What began as a typical Saturday morning turned into one of those lessons that life seems to hand you from time to time. Let me tell you about it:

I turned the dial up into the phone portion of the band on my ham radio in order to listen to a Saturday morning swap net. Along the way, I came across an older sounding chap, with a tremendous signal and a golden voice. You know the kind; he sounded like he should be in the broadcasting business. He was telling whomever he was talking with something about "a thousand marbles." I was intrigued and stopped to listen to what he had to say.

"Well, Tom, it sure sounds like you're busy with your job. I'm sure they pay you well but it's a shame you have to be away from home and your family so much. Hard to believe a young fellow should have to work sixty or seventy hours a week to make ends meet. It's too bad you missed your daughter's dance recital," he continued; "Let me tell you something that has helped me keep my own priorities." And that's when he began to explain his theory of a "thousand marbles."

"You see, I sat down one day and did a little arithmetic. The average person lives about seventy-five years. I know, some live more and some live less, but on average, folks live about seventy-five years.

Now then, I multiplied 75 times 52 and I came up with 3,900, which is the number of Saturdays that the average person has in their entire lifetime. Now, stick with me, Tom, I'm getting to the important part.

It took me until I was fifty-five years old to think about all this in any detail," he went on, "and by that time I had lived through over twenty-eight hundred Saturdays. I got to thinking that if I lived to be seventy-five, I only had about a thousand of them left to enjoy. So I went to a toy store and bought every single marble they had. I ended up having to visit three toy stores to round up 1,000 marbles. I took them home and put them inside a large, clear plastic container right here in the shack next to my gear.

Every Saturday since then, I have taken one marble out and thrown it away. I found that by watching the marbles diminish, I focused more on the really important things in life.

There's nothing like watching your time here on this earth run out to help get your priorities straight.

Now let me tell you one last thing before I sign off with you and take my lovely wife out for breakfast. This morning, I took the very last marble out of the container. I figure that if I make it until next Saturday then I have been given a little extra time. And the one thing we can all use is a little more time.

It was nice to meet you Tom. I hope you spend more time with your family, and I hope to meet you again here on the band. This is a 75 year old man, K9NZQ, clear and going QRT, good morning!"

You could have heard a pin drop on the band when this fellow signed off. I guess he gave us all a lot to think about. I had planned to work on the antenna that morning, and then I was going to meet up with a few hams to work on the next club newsletter.

Instead, I went upstairs and woke my wife up with a kiss. "C'mon honey, I'm taking you and the kids to breakfast."

"What brought this on?" she asked with a smile.

"Oh, nothing special, it's just been a long time since we spent a Saturday together with the kids. And hey, can we stop at a toy store while we're out? I need to buy some marbles."