How to Make Great Decisions

How many times in your life have you put off doing something because you couldn't decide the best course of action to take? I've known people plan to go out for a well earned meal with their partner and end up staying at home because they couldn't make up their mind between Chinese or Italian. Heaven help the person who orders sweet and sour chicken when all along they should have been having lasagna! Can you imagine what it is like for them to choose between a staying in their job or take a gamble on starting that business they always dreamed of?The fear of making bad decisions prevents people from doing all kinds of things that they might be better off doing. The truth of the matter is there is no way of knowing which direction a particular choice is going to take you. You can spend years ruminating over every possible outcome while in the mean time watching the world move on around you. It doesn't change the fact that, no matter what you choose to do in the end, it might all turn out right and it might all turn out not so right.But none of that matters because the secret to making great decisions is falling in love with making mistakes.A lot of people will not make the distinction between making a mistake and making a bad decision, but there is a world of difference, and realizing what that difference is can literally turn your life around and set you on a whole new path.A mistake is literally doing something in a moment that you think is for the best but later turns out to be not such a good idea for you. A bad decision is doing nothing to correct that mistake and then letting the consequences of it define you for ages afterwards.Here are a few of examples:Mistake = Getting into a relationship with the wrong person.Bad Decision = Sticking with them and being miserable for the rest of your lifeMistake = Choosing Bognor Regis rather than Cuba for your annual holiday.Bad Decision = Looking for everything you can find to hate about Bognor just to prove you were right about how you should have gone to Cuba! And then going back to Bognor next year! (Bognor is a wonderful place by the way).Mistake = Going into business without having some sort of a plan.Bad Decision = Injecting more and more of your personal finance, sweat and tears into it just to prove you can make the damn thing work.Making a good decision is not about knowing the outcome before it has had a chance to happen. It is about committing to ANY course of action you FEEL is for the best and then paying attention to the lessons you are later presented with. It is the skill of interpreting the information generated by what has happened and choosing to either do more of the same or change your approach -- even start again in some cases. In the same way that an airplane reaches its destination by continually measuring how off track it is from the set flight path and adjusting its course to get back on track, the same is true for good decision making.Making a decision in any area is not a one time event; it is an ongoing and organic process that must evolve as life unfolds.Today's Homework:Think about a decision you have been putting off making. What are the possible choices you have?Just for a moment, let go of analyzing which choice you think you should make and just listen to your body; your intuition. If I were to flip a coin and the rules were Heads you choose option A and Tails you go with option B, which side would you secretly hope for, deep down, before knowing the outcome?Just go with your instinct and do something to start to make that choice happen. Be willing to make a mistake, knowing that the only bad decision you can ever make is to not do something about the things you didn't want to happen.If things go wrong be willing to make a mistake in the opposite direction because, who knows, it might turn out to not be a mistake after all, but rather the realization of your dream!No matter what your situation you always have choice. Don't worry about having to choose wisely; that's overrated.
Paul Dalton is a Hypnotherapist and Personal Development Coach / Trainer with bags of experience in helping people change their lives for the better, combining skills from: hypnosis, neuro-linguistic programming, life coaching, leadership effectiveness, metaphysics, motivation techniques, and more.Paul is also the proud creator of http://pro.netatlantic.com/t/16362689/70980170/89279/0/ - a Personal Development resource website for everyone interested in the fields of human potential, self-improvement and positive living. Visit Life Happens today for:*** FREE "Deep Daily Relaxation" Hypnotherapy MP3 (22 mins) *** FREE Personal Development Podcast: Life Happens LIVE *** FREE "5 Steps to a More Fulfilling Life" E-Course *** FREE Articles and Daily Coaching Blog *** FREE Life Happens Café: Personal Development Forum ***

The A, B, C, Ds of a Healthy Financial Plan

Curious about what you need for a healthy financial plan? Read on and you will find out.

First, have • A plan that includes the following four areas:

• B udget

• C redit

• D ebtt

• S avings

Budget: Start with a simple written plan (budget) of the monthly net income coming into your household and how much is going out. This plan will be the cornerstone of your financial future and allow you to maintain a reasonable lifestyle while paying down debt and saving. You need to know what is coming in before it is spent while keeping priorities in mind. Housing, food, and basic utilities (gas, electric, water, and sewage) are the top three priorities, followed by auto loans, secured loans and school loans. It is also a good idea to track your expenses for a month by saving either receipts or recording all purchases in a small notebook. It is easy to lose track of the little things, and little things add up to big things. A $1 cup of coffee each morning on your way to work equals $260 a year. These so-called small expenses are little leaks in our budget that can easily be plugged and redirected toward either savings or paying down debt.

Credit: Be aware of what your credit report says about you and make every effort to make it as accurate and positive as possible. This is important because whether you are applying for a loan or credit, applying for a job, or even renting an apartment, chances are that your credit report will be viewed. You want to have every opportunity that comes with good credit. Here is the link for the only authorized online source for your free annual credit reports. Also, be careful not to build debt in an attempt to build credit -- they are not the same. Do not max-out credit limits. Paying all bills on time and paying down your balances will help you to build a good credit report, which leads to the next area, Debt.

Debt: Now that you know how much money comes into your household after taxes and what goes out, take a closer look at your debt. Total your monthly credit payments, excluding housing, and compare it to 20% of your net income or divide your total monthly credit payments by your monthly net income (payments exclude housing and include: auto loans, school loans, and personal loans as well as credit cards or other accounts that have a balance on which you are making monthly payments).

Watch for these warning signs of too much debt:

• Total of your credit payments exceed 20% • Struggling from paycheck to paycheck • Running out of money before pay day • Making only minimum payments on credit card balances • Skipping one payment to make another • Putting off doctor or dentist bills • Using a credit card to pay for things you used to pay for with cash • Arguing over money and bills• Afraid to total your debt If any of these signs hit close to home, work hard to reduce your debt with these suggestions: • Stop using credit cards.• Pay cash.• Pay down balances and always pay more than the minimum on credit card balances.• While making payments on all bills, apply extra money to the highest interest account.• Work with your creditors to negotiate rates and arrangements.• Consider debt consolidation or a lower rate balance transfer.• If you are still having problems meeting your debt obligations, you may want to talk with a professional. Check with the human resources department of your employer to see if you have an Employee Assistance Program (EAP). With this program, you may be able to access free and confidential help. Also, you may want to contact the National Foundation for Credit Counseling to locate a credit counselor near you. Savings: Build up your emergency savings to $500 and strive to have at least three months of your net income saved. With this cushion, you will not have to resort to credit when faced with an emergency. Once you see where your money is going and you begin to pay off debts, you will be able to save more. Look into other forms of savings such as Certificates of Deposit (CDs), IRAs, or even a college fund for your child. Do not neglect your retirement savings. Check into the programs available where you work such as a 401K, and make sure you contribute enough to get the maximum match. Helpful tips for saving: • Pay yourself first. • Use direct deposit or payroll withholding so you don't see it. • Save any additional income such as bonuses, overtime, tax refunds or extra paychecks. • Set financial goals and keep them visible. Do you want to take a vacation, buy a house, or payoff a debt? This will motivate you to save. • Save your loose change. Now that you have a plan, follow these suggestions to keep you on track: • Stick to your budget and continue to save. • Pay bills on time. • Pay balances in full on credit cards, and only charge what you can afford to pay off each month. • Keep your debt-to-income ratio under 20% (excluding housing costs). • Track spending when money seems tight. • Be a smart shopper. Comparison shop for everything, not just food and clothes, but also credit, insurance, banking, phone, and Internet services, to name a few. Terms and fees vary greatly and change frequently. • Check, review, and correct your credit reports every year. Remember the A, B, C, Ds: • A Healthy Plan includes: • B udgeting - what is coming in and going out • C redit - use and reports • D ebt - keep a close watch and avoid overload • S avings - both emergency and retirement Be proactive and take time to review your plan.

CHANGE

How can we deal effectively with change? The ChallengeChange is all around us, it's unavoidable, in fact, change is part of the process of life. So ... why do we chronically fear change and react with anxiety through this natural process. We should be used to change by now ... it's been part of life for millions of years! The reason we may fear change is between what we might call "familiar" and "unfamiliar" types of change. Familiar change is the type we all can, more-or-less, expect and anticipate: we grow older, we learn new things, we expect to get a flu in winter, our favorite (mostly winning) team goes on a (mostly) losing streak, etc.It is, however, normal to feel disoriented in the midst of unfamiliar, or unexpected, change and cues. In our rapid-fire, rapidly changing world, our schedules, plans and routines become disrupted in a totally unexpected way. The recent mortgage crisis, the stock market crash, and the global economic turmoil are all unexpected, profound, changes that most people simply did not expect to happen.The challenge is to learn skills so that we can deal with both types of change, the familiar and the unfamiliar, the expected and the unexpected. How do we learn to become resilient and confident in our ability to deal with change?

How to Work with the Law of Attraction to Find a Job

LAW OF ATTRACTION Getting a job in this economy is as simple as following the steps to completing any task. Regardless of the reason you are seeking work, rest-assured that obtaining a job, fast, is simple to achieve regardless of ANY condition-including economic. These steps are tried and true for I used them to become gainfully employed by working with the Law of Attraction. You would be surprised to find out that obtaining a job doesn’t have anything to do with your resume, experience or field but everything to do with your ability to believe in yourself. The greater your ability to see yourself employed, secure and full of joy the quicker your inner image will frame your world and its reality. I recommend you print out two copies of this article. Keep one beside your bed and the other travels with you, in your purse or wallet. Read the article in the morning, then at lunch and again at bedtime. Then get ready to see good things happen!

Manage Your Thoughts & Emotions

Make a decision to focus ALL of your thought and emotional energy on ALREADY being employed NOT finding a job. Do NOT focus on anything negative or contrary to what you want. This is very important. The faster you convince your subconscious mind that you are already employed, the faster the Universe will move everything and everyone to accommodate your request. So how do you do this? Feel good! Feel good as you see yourself getting up for work everyday and are convinced you are employed. Picture yourself receiving a handsome weekly paycheck. See yourself paying your bills on time and looking forward to your payday. Feel the feelings of job security and job satisfaction as you picture yourself busily going about your day productively completing tasks. Get excited! You have a job! Did you hear what I said?! You have a job! Feel it in every fiber of your being and your emotions will follow and soon manifest it.

Manage Your Mouth

Resist the urge to verbalize worry about where your next dollar is coming from but instead be thankful! Feel grateful for getting a job and say "I am so thankful that I am working and I love my job! I am so happy every morning as I get up and look forward to going to work. Thank God I found a job so quickly! I look forward to paying my bills on time and providing generously for my family. I am so thankful that I get along well with my team and management. I am so thankful that I am a huge asset to my team and I feel appreciated and valued. I love my job!

"Lights! Camera! ACTION!

Make something happen! If you want to find a job quickly your day must be filled with productivity. Before you go to bed each night picture your daily routine for the next day. Picture yourself preparing your clothes the night before, getting up the following morning and getting ready for work. Resist the urge to change your routine. If the kids took the bus to school before, don't start taking them now that you have more free time. Don't start spring cleaning or waste your time catching up on TV. Resist the urge to sleep-in. You must get up everyday, fully-dressed and ready to work. During the normal 8 hours of a work day you should polish up your resume, call business contacts for networking opportunities, do on-line training to increase your job skills and of course, remember to keep a guard over your thoughts and mouth. Keep feeling the joyous feelings of being employed!

Expect it!

Expect to be called for an interview and offered a job. Expect to be fully prepared to wow your employer. You are valued beyond explanation. You are a valued resource that a company is looking for right now. You deserve financial security and job soundness. It is your heritage and birthright as child of God. Did you know that your job is actually looking for you with the same intensity that you are looking for it. You'll know that you are on the right track because everything you do feels good and is fun. You are enjoying yourself and already beginning to feel peace in knowing you are employed. Believe it! Doesn't that just make you want to jump up and give somebody a High-Five!

THE LAW OF ATTRACTION

What You Think Is What You Get

The law of attraction is surprisingly simple: Like attracts like. It becomes a bit more complicated when it comes to training our minds to think in ways that will bring what we desire into our lives. The term "self-fulfilling prophecy" describes the same law. This well-known term explains that we create the circumstances our mind dwells upon, whether positive or negative. So our goal is to practice consistent presence of mind to make sure our thoughts are always directed toward the positive and that which we want to create. A key to the process is the word "frequency." This is true for two reasons: 1) The frequency you use when you passionately dwell upon or revisit a thought, dream, desire or goal provides the energy your musings need for creation; and 2) just like a radio station broadcasts on a certain frequency, like the radio you must be "tuned in" to receive it. This means preparing for the arrival of your dream on every possible level—material, physical, and spiritual. You don’t have to know how it will come into your life, just trust that it will. Your job is to lay the groundwork, follow any leads you can find, and prepare for its arrival. This can mean cleaning out your garage to make space for a new car, taking a tour of a model home to get the feel of it in order to feed your fantasies, or thinking of what you want in a mate and then living up to that list yourself. Just like with any skill, the law of attraction must be practiced. We must decide what makes us feel abundant, and use our imagination to create the feeling. It isn’t enough to just want something; you must use the power of your thoughts to attract it. A series of choices is what brings us everything in our lives right now, every moment. When we know the direction we want our choices to take us, it is as if we’ve placed an order with the universe. Then we can await its arrival with joyful anticipation. If we find ways to experience our dreams right now, we make creating joy a treasure hunt in which the seeking is just as much fun as the finding.

why we are ......

WHY WE ARE NOT GETTING SUCCESS IN LIFE

Why our life is going to same way,unchanged,because we are not taking any risk in our life.we are going through the life,what we are now.at the school stage we follow our text book and not thinking what is happing in outside world. we learn from the text book and write the examination and getting the degree....but not capable for take the risk in the society.

Fear, sacrifice, procrastination, ingrained habits -these are the obstacles standing in the way of happines. so we need distroy all this obstacles to improve our life. the main thing in our life is that to think about the action and make the action

YOU ARE VERY IMPORTANT

DO NOT SAY YOU ARE NOT IMPORTANT

IT SIMPLY IS NOT TRUE

THE FACT THAT YOU WERE BORN,

IS PROOF,GOD HAS A PLAN FOR YOU

THE PATH MAY SEEM UNCLEAR RIGHT NOW

BUT ONE DAY YOU WILL SEE,

THAT ALL THAT CAME BEFORE,

WAS TRULY MEANT TO BE.

GOD WROTE THE BOOK THAT IS YOUR LIFE,

THAT IS ALL YOU NEED TO KNOW

EACH DAY THAT YOU ARE LIVING,

WAS WRITTEN LONG AGO.

GOD ONLY WRITES BEST SELLERS,

SO BE PROUD OF WHO YOU ARE

YOUR CHARACTER IS IMPORTANT

IN THIS BOOK YOU ARE THE STAR.

ENJOY THE NOVEL AS IT READS,

IT WILL STAND THROUGHOUT THE AGES

SAVOR EACH CHAPTER AS YOU GO

TAKING TIME TO TURN THE PAGES.

BY BINU KUMAR NAIR

HOW WE CAN

THESE ARE ARE THE MOST IMPORTANT MOTIVATION FACTS

10. Raise Your Standards

It's time to raise your standards. It's time to expect more out of yourself than anyone else. Accept nothing less than your absolute best in all that you do and you'll have no problem creating your ideal life. After all, you'd expect nothing less than living the life of your dreams.

11. Take Ownership

Before positive changes can take place, you must take responsibility for your position in life. You are in control of your future and are the only one who can guarantee a better life. If you play the role of a victim, giving up control and ownership of your life, you will never enjoy the amazing opportunities that life offers to us all.

12. Write in a Journal A million thoughts may rush through your mind each day, but if you do nothing to capture them, they often disappear as quickly as they came. Take time to write in a journal each week. This will not only help you overcome obstacles you are facing in your life but also help you discover what you really want.

13. Whom Do You Admire?

Make a list of at least three people that you admire. With your list in hand describe what it is that you most respect about each individual. Often pinpointing what we admire in others offers insight into what we wish to become ourselves.

14. The Moment

Remember a time when everything seemed to be going just right? When nothing could get you down? When you thought to yourself, 'This moment, right now, is what life is all about.' We all have moments in life when we feel we are at our best, but most people don't utilize them. Use the special moments in your life to bring to light goals and desires that are sure to fulfill your needs. Learning from and building on these times will help you create magic moments on a daily basis for the rest of your life.

15. A Friendly Brainstorming Session

Gather a group of your closest friends, the ones who know you better than anyone else, and use their knowledge about you and your life to help you brainstorm goal and dream ideas. They will likely offer ideas you never considered yourself.

(TO BE CONTINUED)

HOW WE CAN ?

THESE ARE ARE THE MOST IMPORTANT MOTIVATION FACTS

1. Let Go of the Past

Before you can create a better future, you must let go of the pains in your past. Failing once does not mean you will fail forever. Learn from your history, but don't let it stand as an obstacle between you and your dreams.

2 remmember success

as important as learning from and overcoming past failure is recalling past success. It doesn't matter who you are, you have succeeded at something at sometime in your past. Don't gloss over these moments. Use them to remind you that you can in fact achieve your goals.

3. Realize the PossibilitiesIt's possible.

The dreams you hold in your heart but push to the back of your mind are within your reach. Accept the fact that you can create a better life. This will serve as the springboard of belief you need to succeed.

4. Dream the Big Dream

In order for dreams and desires to inspire you to action and achievement, they need to be big. If you don't get excited about what you have planned for the future, you will never find the inspiration you need to change your life. Powerful dreams can move the soul, and when you dream the big dream, you will be driven to make the compelling picture a tangible reality.

5. Thinking Your Way to Change

No matter how bad you want it to happen, change will never result from thinking alone - you must take action. The world is swimming in dreamers, but only those who act on their desires achieve truly remarkable results.

6. A Daily Habit to Begin

TodaySet aside at least 30 minutes each night to review your day and plan for the next. It's a simple way to add an element of control to your life. Also, beginning this habit today will help tremendously when you begin to work toward your exciting and inspiring goals and dreams.

7. Mix It Up

The wrong routine can spell certain doom for your goals and dreams. To make sure this doesn't happen to you, add at least one new step to your daily routine to help break up the pattern. One new activity will set the stage for many more in the future, making it possible for you to break free of any negative routines.

8. A Team Sport

Don't go at this alone. Achieving a goal or dream requires a team effort. There will be times when you feel like giving up, when you feel like it's too much to take. One of the surest ways to overcome these small setbacks is to have the support and guidance of your goal partner.

9. Get Excited

About What's to ComeYou are on your way to getting everything you have ever wanted! Now is the time to get excited and inspired about what your future holds. Imagine living your ideal life - now make it happen!10. Raise Your StandardsIt's time to raise your standards. It's time to expect more out of yourself than anyone else. Accept nothing less than your absolute best in all that you do and you'll have no problem creating your ideal life. After all, you'd expect nothing less than living the life of your dreams

Three Success Principles

SUCCESS OF THIS MAN......MR.RATAN TATA

Step #1 The Right Attitude!
Charles Swindoll is famous for his writings about attitude and one of the things he talks about is the fact that attitude can make or break a company, a church, a home...or an individual. He emphatically teaches us that we have a choice, every day, regarding the attitude we will embrace.
You can choose to win or choose to worry about winning – at everything. Your job, your health, your finances! Creating a positive attitude is not an accident – and not something that magically happens to you.
Of course, deciding to have a great attitude and making it happen are two entirely different things, aren’t they?
How many times have you been clear and positive about what you wanted to do and then got stopped, dead in your tracks!
What I found is that one of the most important things about having a great attitude is that having someone else as your partner really helps! Sometimes it takes support…more about that soon!
Step #2 Making the Right Choices!
We make hundreds of choices every day.
What do you choose?
Do you spend an hour working out so your heart can be healthy as you move forward in time or do you sit on the couch and read a magazine and eat pizza?
Do you choose to spend an hour watching your favorite reality series or will you read a great book, meditate or attend a yoga class?
Do you spend money on yet another fleeting leisure activity or on an educational program whose information will last you a lifetime?
I like to ask this question before each decision I make:
"What will be the impact of this choice in two weeks, two months, and two years from now?"
Step #3 Developing the Right Relationships!
I can accomplish a LOT in one day. Pretty much anything I set my mind to – and part of what makes that possible is the people I surround myself with – personally and professionally.
Having people in your life who are committed to your success is absolutely essential to realizing your greatest potential. Having someone who...
Supports your dreams
Has the knowledge and wherewithal to guide and mentor you through tough decisions
Show you areas where you may have a blind spot or tunnel vision
Empowers you to achieve all that you want in life