Prosperous people practice seven financial secrets. I call them secrets not because very few of us are aware of them, but because very few of us use them. The secrets are, in reality, skill-essential money skills that all wealthy people practice. I believe that if you learn these skills, wealth can flow into your life – multiple streams of increasing prosperity.
The first three money skills form the foundation of all financial success. Without them, none of the other skills have power. If you don’t value money, you won’t make effort to control it. If you can’t control it, you won’t be able to save it.
Money Skill 1: Value It
The following quote explains how billionaire John D. Rockefeller taught his children to value money:
“ John D. Rockefellers, Jr., was certainly not trying to save money when he decide to pay an allowance to his five sons. According to son Nelson, “We got 25 cent a week, and had to earn the rest of the money we got.” To earn part of that extra money he raised vegetables and rabbits… “We always worked” according to Nelson. All the boys where required to keep personal daily account books. They where required to give 10 percent of their income to charity, to save 10 percent and to account for the rest. They had to balance their account books every month and to be able to tell what happened to every penny they earned. Nelson when on to serve as the Governor of the state of New York for many years, and ultimately become Vice President of the United States. One of his brothers, David Rockefeller, chairman of Chase Manhattan Bank, says, “We all profited by the experience – especially when it came to understanding the value of money.”
Interesting. You’d expect that these kids, raised in the lap of luxury, wouldn’t need to learn these things. Yet Rockefeller wanted his kids to understand money. He taught them a specific pattern for dealing with money. There is a lot of wisdom in what he did:
The necessity for work: When you earn it, you value it.
The importance of charity: Give away the first 10 percent.
The need of saving: Pay yourself the next 10 percent
The power of accountability: Account for every penny.
In addition to valuing money, Rockefeller was teaching his kids how to control their money. And that’s the second of he seven skills.
Money Skill 2: Control It.
The first step in gaining control your finances is to set up a simple system for organizing your finances. Maybe you see one of the popular computer programs such as Quicken of Microsoft Money. Even so, I think you could learn a lot from a simple system I call streams and leaks.
Most people have one simple stream (or main source) of income: their job. This income flows into their reservoir of their life, but the reservoir has leaks and the money flows out through them. Obviously, the only way to have overflowing prosperity in your life is to plug up those leaks and to add more streams – to have multiple streams of income. How many financial streams do you have flowing into your life? How many leaks are there in your reservoir?
Let’s look at plugging up the leaks first. Then we’ll focus our attention on how to keep the streams flowing. I have condensed the many ways you can spend money into 10 categories or leaks. I’ve kept the categories simple and broad; if they get too complicated, you’ll ignore them. It’s easy to remember the categories. They are listed in order of priority.
The first leak, or category (using the Rockefeller model), is called giving. This represents your contributions to church, charity and others. This category is number 1. I find it interesting that Rockefeller taught his kids to give the first 10 percent of their earnings to others (God and Money).
After you pay the first 10 percent to your “silent partner,” you pay yourself. The next 10 percent of your money belongs in category 2: Self. In the classic, The Richest Man in Babylon, George S. Clayson tells the story of the wise investor whose primary rule was, “A part of all you earn is yours to keep.” How true. Most of us save out what’s “left over.” Prosperous people save first and then live on what’s left over. This makes a huge difference.
After you pay the 10 percent to others and 10 percent to yourself, the third category, number 3, is taxes.
After the first three categories, what is the next most important expense of your life? Category 4 is your shelter – in form of house payments or rent.
The fifth category is household expenses such as food, clothing, television, and the normal expenses of living in your residence. This will amount to your largest category.
Then comes category 6: auto. You need transportation. Every time you pay for gas, transportation and repairs to your vehicles or make ca payments, you should organize this expenditures in category 6.
Next is category 7: fun and entertainment. Whenever you spend money away from home on movies, fast food, travel, or toys, you should think of these expenditures as part of category 7, the number for fun.
Then comes category 8, all forms of insurance: health, life, disability, liability, personal possessions, homeowners and so forth.
Miscellaneous expenditures (including payments towards debt) comes under category 9, debt/miscellaneous.
And finally, there is category 10: business expenditures.
As you can see, all of your expenditures can be summarized into just 10 broad categories. You spend money only a few times a day. And yet those few decisions can make all the differences between poverty and wealth. Let’s examine the actual act of spending. Let’s dissect a typical money transaction, or money event.
Prosperous people have a unique attitude towards each money event. During a typical transaction, they complete a few extra key activities. In doing so, they spend a few extra minutes event that makes all the difference. That’s why I call this the millionaire minute.
Would you invest a few extra minutes per money event if you know it would eventually help you become financially free? Here is how people who are good with money approach a money event:
1. They plan the purchase. As with airline tickets, the longer the planning horizon, the cheaper the purchase.
2. They expect, ask for, and often get a discount.
3. They expect, ask for, and always get a receipt.
4. They always examine the receipt for errors.
5. They immediately write on their receipt a category number.
6. They balance their accounts to the penny.
7. They file the receipt as soon as they get home.
From now on, every time you spend money, take a few extra minute during that money event to practice the millionaire minute.
-Plan your purchase.
-Get a discount.
-Get a receipt.
-Examine your receipt.
-Categorize your receipt.
-Balance your account.
-File your receipt.
Money Skill 3: Save It.
The key to financial planning is cash-flow management. You’ve not only got to get the cash to flow into your reservoir, but you also have to manage the leaks so that there is money left over at the end of the month. This monthly surplus is the secret to financial growth. The surplus can be invested. The object of the money game is to accumulate enough investments so that the income from these investments will eventually support you. The third money skill is to save your surplus.
There are two meaning for the word save: (1) to pay less for your purchases, as in “Safeway saves you more!”, (2) to create a surplus, as in “I need to save some money for retirement.” Some people are good at the first save1. They like to shop for bargains. But they are terrible at the second save2. Wealthy people are great at both. They love to save1 money – to buy things wholesale, to get a good deal, to get a bargain. They hate to pay retail for anything. And now you know why. Each wasted dollar destroys a forest of future money trees.
But they don’t stop there. You see, anyone can save money by buying at a discount, but do they save2 the money that they save1? That’s the hard part. When you save2 money by changing your buying habits, take that money out of your wallet or purse to get it out of your spending grasp. You won’t even miss it. Put it into a saving2 jar, and frequently deposit it this money into your savings2 account. That’s when you’ve truly saved1/saved2 it.
When the saved1 money has accumulated until you have $25 to $50. Don’t be tempted to spend it. You need to transfer those savings into your long-term savings1 account…. And from there into your investment account…. And from there into your various investments (mutual funds, stocks, bonds, real estate, etc.)
You can literally become a millionaire on the money you’re wasting.
The rest of the money skills are:
Money Skill 4: Invest It.
Money Skill 5: Make It.
Money Skill 6: Shield It.
Money Skill 7: Share It.
Note: That all this cannot be accomplished if you do not have the will power plus a burning desire to succeed.
I challenge you to do what all great philanthropists have done: to be such a powerful steward over your forest of money trees that they can produce fruits to feed generations of people long after you have gone.
To this end, I wish you good luck and Godspeed.
July 25, 2008
Your Habits Determine Your Future
Our habit goes a long way and has a great deal in determining our future.
We are what we repeatedly do. Excellence then is not an act, but a habit the second half of a man’s life is made up of nothing but the habits he has acquired during the first half.
- Feodor Dostoeuski
What is a Habit?
Simply stated, a habit is something you do so often that it becomes easy and automatic. The cool thing is you can program yourself to adept any habit you like. This will allow you to replace the bad habits with good ones so you can expand your potential rather than limit it.
Understand this. You are your habits - they are responsible for up to 90 percent of your behaviors. Habits guide your actions and reaction and are the reflection people see of you. Can you think of a few habits that reflect an image you dislike? Not to worry, we’ll get rid of those bad ones a little later.
Successful people have successful habits
Unsuccessful people don’t.
The payoff for developing successful habits is HUGE. Consider this; wealthy people have wealthy habits - ask them. Healthy people have healthy habits - observe them. Weird people have weird habits - it’s obvious. Happy people have figured out what makes them happy and they practice it daily. In other words, they make it a habit.
WARNING:
The people you hang around with and
The environment you live in greatly
influence your habit.
Be careful to develop the habits you want.
Don’t allow a negative environment of other people to
impose bad habits on you.
Honesty is conforming our words to
our action; integrity is conforming
our action to our words.
- Stephen Covey.
THE SUCCESSFUL HABITS FORMULA
This proven three- step formula has changed the lives of thousands of people – professionals, entrepreneurs, athletes, artists and students, you can use it to change any beharvour that are unproductive, especially once that may be sabotaging your opporturnities for a successful future.
1.) Identify bad habits and their long-term consequence.
Think of all the areas of your life where your actions don’t produce the result you want. Make a list of these bad habits and write them down. You will be using them later as you transform them into successful habits. Here are a few examples to pull from:
-Leaving studying and home work to the last minute
-Excessive partying
-Seldom visiting the you exercising
-Over using your credit card, expecially for unnecessary purchases
-Breaking small promises
-Taking more than you give
-Rarely helping clean your house
-Frequently being late for class
-Not easting a good breakfast
-Constantly forgetting to pay your cell phone bills on time
-Not doing the dishes the same day you use them
-Hitting the snooze button for an her every mornings
-Neglecting to thank your parents and friends for the things they do for you.
-Allowing instant messaging to distract you from important schoolwork.
I beg you, take the time to time to do this exercise. If you don’t write your bad habit down, you will run the risk of blindly going through life totally unaware that some of these bad habits could, be leading you into a major crisis. One day you’ll wake up and say: “How did this happen to me?” Life will simply observe your calamity and respond, “Another poor victim who never stopped to think-how bad!”
When you define a bad habit, make sure to jot down the long – term consequences that could occur if you don’t change this behavior. If the consequences are severe, it will be much easier to make a positive change.
If you are unsure of your habits, ask a few trusted friends to give you some feedback. Note: your outward behavior is the truth whereas your inner behavior is an illusion.
In other words, what you see versus what others see be entirely different. Seek and be open to feedback, it is the key to becoming the person you really want to be. Have you determine your unproductive habits and jotted them down? If so, you’re ready for step #2.
A nail is driven out by another nail.
Habit is overcome by habit.
- Desiderius Erasmus.
2.) Define your successful habit and its benefits.
Often this is the opposite of your bad habit. For example, if your bad habit is always been late for class, your new successful habit may read “Always be five minutes early for class.” No blindfolds, no pulling rabbit out of hats. Its just simple.
When you have clearly defined what your new successful habit is, take a few minutes to write down the long- term rewards and benefit this new habit will provide. Continuing the example above, your benefit might read, “Not annoying my professor, not missing any announcements and getting to choose any seat in the room. “Hold your enthusiasm.
3.) Create a three – part action plan and choose a start date:
Your three-part action plan is the catalyst that will transform this new behavior into reality. This is where the rubber meets the road. Will you simply dream about your new habit, or will you create an action plan to adopt it? Don’t forget to include a start date. Once you do this, you’ll be off to the races.
Before you begin transforming your bad habits into successful habits, there is one critically important point-the only way to ensure your new behavior because a well – established habit is to create a NO EXCEPTIONS POLICY.
This means that if you decide to exercise three times a week to keep in shape, make sure it’s three times, not once or twice. Don’t sabotage your good your good intentions. The reason most people fail when it comes to creating better habits is because they quit or do a half-assed job. Be different – hang in there until the new behavior is a habit. The most difficult stage is the first few weeks. Eventually it becomes easy and you’ll do it without thinking. Most habit takes between 21 and 30 occurrences before they become part of your new normal behavior.
It’s time to eliminate some of your bad habit and create new successful ones. Are you up for the challenge?
I never would have done without the habit of punctuality, order and diligence…. The determination to concentrate myself on one subject at a time.
- Charles Dickens
It’s so hard when contemplated in advance, and so easy when you do it.
- Robert M. Pirsig
We are what we repeatedly do. Excellence then is not an act, but a habit the second half of a man’s life is made up of nothing but the habits he has acquired during the first half.
- Feodor Dostoeuski
What is a Habit?
Simply stated, a habit is something you do so often that it becomes easy and automatic. The cool thing is you can program yourself to adept any habit you like. This will allow you to replace the bad habits with good ones so you can expand your potential rather than limit it.
Understand this. You are your habits - they are responsible for up to 90 percent of your behaviors. Habits guide your actions and reaction and are the reflection people see of you. Can you think of a few habits that reflect an image you dislike? Not to worry, we’ll get rid of those bad ones a little later.
Successful people have successful habits
Unsuccessful people don’t.
The payoff for developing successful habits is HUGE. Consider this; wealthy people have wealthy habits - ask them. Healthy people have healthy habits - observe them. Weird people have weird habits - it’s obvious. Happy people have figured out what makes them happy and they practice it daily. In other words, they make it a habit.
WARNING:
The people you hang around with and
The environment you live in greatly
influence your habit.
Be careful to develop the habits you want.
Don’t allow a negative environment of other people to
impose bad habits on you.
Honesty is conforming our words to
our action; integrity is conforming
our action to our words.
- Stephen Covey.
THE SUCCESSFUL HABITS FORMULA
This proven three- step formula has changed the lives of thousands of people – professionals, entrepreneurs, athletes, artists and students, you can use it to change any beharvour that are unproductive, especially once that may be sabotaging your opporturnities for a successful future.
1.) Identify bad habits and their long-term consequence.
Think of all the areas of your life where your actions don’t produce the result you want. Make a list of these bad habits and write them down. You will be using them later as you transform them into successful habits. Here are a few examples to pull from:
-Leaving studying and home work to the last minute
-Excessive partying
-Seldom visiting the you exercising
-Over using your credit card, expecially for unnecessary purchases
-Breaking small promises
-Taking more than you give
-Rarely helping clean your house
-Frequently being late for class
-Not easting a good breakfast
-Constantly forgetting to pay your cell phone bills on time
-Not doing the dishes the same day you use them
-Hitting the snooze button for an her every mornings
-Neglecting to thank your parents and friends for the things they do for you.
-Allowing instant messaging to distract you from important schoolwork.
I beg you, take the time to time to do this exercise. If you don’t write your bad habit down, you will run the risk of blindly going through life totally unaware that some of these bad habits could, be leading you into a major crisis. One day you’ll wake up and say: “How did this happen to me?” Life will simply observe your calamity and respond, “Another poor victim who never stopped to think-how bad!”
When you define a bad habit, make sure to jot down the long – term consequences that could occur if you don’t change this behavior. If the consequences are severe, it will be much easier to make a positive change.
If you are unsure of your habits, ask a few trusted friends to give you some feedback. Note: your outward behavior is the truth whereas your inner behavior is an illusion.
In other words, what you see versus what others see be entirely different. Seek and be open to feedback, it is the key to becoming the person you really want to be. Have you determine your unproductive habits and jotted them down? If so, you’re ready for step #2.
A nail is driven out by another nail.
Habit is overcome by habit.
- Desiderius Erasmus.
2.) Define your successful habit and its benefits.
Often this is the opposite of your bad habit. For example, if your bad habit is always been late for class, your new successful habit may read “Always be five minutes early for class.” No blindfolds, no pulling rabbit out of hats. Its just simple.
When you have clearly defined what your new successful habit is, take a few minutes to write down the long- term rewards and benefit this new habit will provide. Continuing the example above, your benefit might read, “Not annoying my professor, not missing any announcements and getting to choose any seat in the room. “Hold your enthusiasm.
3.) Create a three – part action plan and choose a start date:
Your three-part action plan is the catalyst that will transform this new behavior into reality. This is where the rubber meets the road. Will you simply dream about your new habit, or will you create an action plan to adopt it? Don’t forget to include a start date. Once you do this, you’ll be off to the races.
Before you begin transforming your bad habits into successful habits, there is one critically important point-the only way to ensure your new behavior because a well – established habit is to create a NO EXCEPTIONS POLICY.
This means that if you decide to exercise three times a week to keep in shape, make sure it’s three times, not once or twice. Don’t sabotage your good your good intentions. The reason most people fail when it comes to creating better habits is because they quit or do a half-assed job. Be different – hang in there until the new behavior is a habit. The most difficult stage is the first few weeks. Eventually it becomes easy and you’ll do it without thinking. Most habit takes between 21 and 30 occurrences before they become part of your new normal behavior.
It’s time to eliminate some of your bad habit and create new successful ones. Are you up for the challenge?
I never would have done without the habit of punctuality, order and diligence…. The determination to concentrate myself on one subject at a time.
- Charles Dickens
It’s so hard when contemplated in advance, and so easy when you do it.
- Robert M. Pirsig
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July 23, 2008
50 Ways to Save $50 a Month
1. Shop with a list – and stick to it.
2. Just say No to ATM’s with fees – plan ahead for you cash needs.
3. Does your bank charge high fees? MOVE YOUR ACCOUNT.
4. Pay off that credit card balance.
5. If you must carry a credit card balance, shop around for a card with a lower rate.
6. Look of lower premiums on your insurance polices.
7. Consider higher deductibles for your home and auto insurance.
8. Do you have private mortgage insurance? If you’ve built up 20% equity in your home, you can cancel it.
9. Use a mail-order pharmacy for long-term prescriptions.
10. “Doc, can I get that as a generic drug?”
11. Check all medical and hospital bills for errors-many insurance companies offer rewards.
12. Rent - never buy - something you’ll only use a few times.
13. Turn your yard into a department store – have a rummage sale.
14. Switch long – distance carriers – then switch again.
15. Call waiting? Not usually? Cancel those add – on phone services you don’t need.
16. E-mail your friends instead of calling.
17. Skip the movies – rent a video instead.
18. Dine out? Eat in.
19. Lunch is “in the bag” – or it should be.
20. Don’t buy that book! Exercise you library card.
21. Free up space in your mailbox – cancel that magazine subscription you never read.
22. Watch a parade or have a picnic – free entertainment is often the best.
23. Turn your car into a “chat room.” Carpool to work.
24. Join the “bus crowd” and avoid cab fare.
25. Buy airline tickets in advance – and always stay through Saturday. You’ll have more fun and it’s a lot cheaper, too?
26. Quit that health club – join the local gym instead.
27. “COUPONS” & “DOUBLE COUPON DAYS.” Enough said.
28. What’s in a name? Buy generic instead.
29. Skip the paper towels – wash your cloth ones instead.
30. Watch out for “convenience” foods – they’re expensive and not as healthy for you anyway.
31. Join a warehouse club.
32. “Scan” those scanners and receipt – mistake do happen.
33. Avoid “pricey” specialty stores.
34. Comparison shop “on-line.”
35. Gotta trunk? Buy in BULK.
36. Premium gas for your car? Most run fine without it. Check your manual to be sure.
37. Forget the words “automatic car wash” – do it yourself and get some fresh air.
38. Use that quick – change oil and lube service on the crones instead of a full-service garage.
39. Never pay extra for services contracts or extended warranties – the manufacturer’s warranty is usually sufficient.
40. Cancel that premium channel you never watch – or cancel cable TV altogether.
41. Don’t touch that thermostat – put on a sweater instead.
42. Take a shower instead of a bath.
43. Only run a full dishwasher.
44. Have an energy audit done on your home – some companies offer them for FREE.
45. Never pay extra for car rental insurance – you’re probably already covered by your credit card or regular car insurance.
46. DON’T PLAY THE LOTTERY – the odds of getting hit by lightning are better that your chance of winning.
47. Time to refinance your home? Keep an eye on interest rate.
48. Pay yourself first – set aside a dollar a day.
49. Buy a “piggy bank” for all the spare change you keep finding in your couch.
50. Don’t spend your next pay raise – INVEST THAT MONEY INSTEAD.
2. Just say No to ATM’s with fees – plan ahead for you cash needs.
3. Does your bank charge high fees? MOVE YOUR ACCOUNT.
4. Pay off that credit card balance.
5. If you must carry a credit card balance, shop around for a card with a lower rate.
6. Look of lower premiums on your insurance polices.
7. Consider higher deductibles for your home and auto insurance.
8. Do you have private mortgage insurance? If you’ve built up 20% equity in your home, you can cancel it.
9. Use a mail-order pharmacy for long-term prescriptions.
10. “Doc, can I get that as a generic drug?”
11. Check all medical and hospital bills for errors-many insurance companies offer rewards.
12. Rent - never buy - something you’ll only use a few times.
13. Turn your yard into a department store – have a rummage sale.
14. Switch long – distance carriers – then switch again.
15. Call waiting? Not usually? Cancel those add – on phone services you don’t need.
16. E-mail your friends instead of calling.
17. Skip the movies – rent a video instead.
18. Dine out? Eat in.
19. Lunch is “in the bag” – or it should be.
20. Don’t buy that book! Exercise you library card.
21. Free up space in your mailbox – cancel that magazine subscription you never read.
22. Watch a parade or have a picnic – free entertainment is often the best.
23. Turn your car into a “chat room.” Carpool to work.
24. Join the “bus crowd” and avoid cab fare.
25. Buy airline tickets in advance – and always stay through Saturday. You’ll have more fun and it’s a lot cheaper, too?
26. Quit that health club – join the local gym instead.
27. “COUPONS” & “DOUBLE COUPON DAYS.” Enough said.
28. What’s in a name? Buy generic instead.
29. Skip the paper towels – wash your cloth ones instead.
30. Watch out for “convenience” foods – they’re expensive and not as healthy for you anyway.
31. Join a warehouse club.
32. “Scan” those scanners and receipt – mistake do happen.
33. Avoid “pricey” specialty stores.
34. Comparison shop “on-line.”
35. Gotta trunk? Buy in BULK.
36. Premium gas for your car? Most run fine without it. Check your manual to be sure.
37. Forget the words “automatic car wash” – do it yourself and get some fresh air.
38. Use that quick – change oil and lube service on the crones instead of a full-service garage.
39. Never pay extra for services contracts or extended warranties – the manufacturer’s warranty is usually sufficient.
40. Cancel that premium channel you never watch – or cancel cable TV altogether.
41. Don’t touch that thermostat – put on a sweater instead.
42. Take a shower instead of a bath.
43. Only run a full dishwasher.
44. Have an energy audit done on your home – some companies offer them for FREE.
45. Never pay extra for car rental insurance – you’re probably already covered by your credit card or regular car insurance.
46. DON’T PLAY THE LOTTERY – the odds of getting hit by lightning are better that your chance of winning.
47. Time to refinance your home? Keep an eye on interest rate.
48. Pay yourself first – set aside a dollar a day.
49. Buy a “piggy bank” for all the spare change you keep finding in your couch.
50. Don’t spend your next pay raise – INVEST THAT MONEY INSTEAD.
July 19, 2008
Determine if Your Company is in Trouble
There are signs to look for and once you see them, you need to start job-hunting immediately and with vigor. Here are some clues to consider.
Instructions
Difficulty: Moderately Easy
Things You’ll Need:
.Good powers of observation
Step1
Problems with paychecks are often the major telltale sign that the company is having a serious cash-flow problem. If you get paid late or have any issues with cashing paychecks, beware. If you are in a non-profit, this can happen as grants come in on a staggered schedule, but a manufacturing company should have enough of a buffer to avoid this problem.
Step2
Frequent changes in upper management are another common cause for concern. This does happen in stable companies as well, but combined with other factors, this can be an indicator of financial instability.
Step3
Loss of customers without apparent reason is another cause for concern. If your company is losing customers, they should be aggressively going after the business with new models and products.
Step4
Lack of communication from the top is another clue. Most organizations give memo updates or have at least quarterly business communications to employees in the form of meetings. If this suddenly stops, be concerned.
Step5
A sudden exodus of employees at any level, but particularly among those that may be privy to the company’s finances is another clue.
Step6
All or many of these factors combined should get you in motion to start a new job search. Remember, employment for life is a luxury of the past and will likely never be the status quo in the future. You need to look out for yourself first and foremost. You are your own best advocate.
Build Trust as a Leader.
Managers, in their role as “formal leaders”, must seriously consider the critical element of TRUST that they need command in their role if they are to be “effective leaders”.
Instructions
Difficulty: Challenging
Things You’ll Need:
.Commitment and Courage
Step1
The following is a list of words that others need to be using when they describe you if you are to gain and maintain their trust;committed, confident, fearless, communicative, predictable, reliable, correct, forgiving, clear, factual, unbiased, respectful, reasonable, confidential, contributing, even, defining, accountable, interested, calm, resolute, tactful, sincere, frank, listener, patient, answering, sharing, fair, timely, honest, decisive, neutral, competent, consistent, explicit, responsible, transparent, close (near), willing, collaborative, accurate, graceful, helpful KNOW HOW YOU STAND? Why not ask your followers to rank you (anonymously) on a scale of 1 to 10, or alternatively use the “never/sometimes/mostly/always” grid for each of the words and see how you do!
Step2
Learn the longest sentence I have ever written… (trust me!)To be trusted followers need to understand your intent and believe they can find a worry free, suspicion-less, environment where they are not taken for granted, their faith in the leader is confirmed and supported by a consistent track record, where mistakes are forgiven, miscommunications and misunderstandings are corrected, beliefs, differences and privacy are respected, sweeping opinions based on assumptions or stereotypes never occur, fear of loss is minimized, being betrayed or feeling burnt does not happen, abruptness, shock, knee jerk, emotional reactions, cynicism or anger are not permitted, vulnerable and naïve people are protected, solace is freely given, they are never disabled, over-reaction does not occur, they are never categorized, forced or excluded through prejudice, avoiding or omitting truth or facts is not permitted, interruptions, restlessness, frowning, negative gestures are discouraged, success, action and effort are acknowledged and credit given, neutrality, togetherness, flexibility, directness, informative, non-assumptive opinions and perspectives are sought by a leader who keeps promises, is willing to be wrong, extends themselves, overcomes short-term feelings, avoids harming others, shows trust, risks being let down, makes amends and who also promotes, togetherness, closeness, full disclosure, open dialogue, speaking the truth, does what they say they will do, doesn’t do what you say they won't do, develops others and their ideas, able to have fun, seeks solutions to problems, win/win agreements and closure and lives up to followers expectations through thoroughly understanding that power equals responsibility.
Step3
Think about it, practice it and phew... get me an aspirin!
THE GRAMMAR IS LOUSY, HOWEVER THE MESSAGE IS CLEAR.
Instructions
Difficulty: Challenging
Things You’ll Need:
.Commitment and Courage
Step1
The following is a list of words that others need to be using when they describe you if you are to gain and maintain their trust;committed, confident, fearless, communicative, predictable, reliable, correct, forgiving, clear, factual, unbiased, respectful, reasonable, confidential, contributing, even, defining, accountable, interested, calm, resolute, tactful, sincere, frank, listener, patient, answering, sharing, fair, timely, honest, decisive, neutral, competent, consistent, explicit, responsible, transparent, close (near), willing, collaborative, accurate, graceful, helpful KNOW HOW YOU STAND? Why not ask your followers to rank you (anonymously) on a scale of 1 to 10, or alternatively use the “never/sometimes/mostly/always” grid for each of the words and see how you do!
Step2
Learn the longest sentence I have ever written… (trust me!)To be trusted followers need to understand your intent and believe they can find a worry free, suspicion-less, environment where they are not taken for granted, their faith in the leader is confirmed and supported by a consistent track record, where mistakes are forgiven, miscommunications and misunderstandings are corrected, beliefs, differences and privacy are respected, sweeping opinions based on assumptions or stereotypes never occur, fear of loss is minimized, being betrayed or feeling burnt does not happen, abruptness, shock, knee jerk, emotional reactions, cynicism or anger are not permitted, vulnerable and naïve people are protected, solace is freely given, they are never disabled, over-reaction does not occur, they are never categorized, forced or excluded through prejudice, avoiding or omitting truth or facts is not permitted, interruptions, restlessness, frowning, negative gestures are discouraged, success, action and effort are acknowledged and credit given, neutrality, togetherness, flexibility, directness, informative, non-assumptive opinions and perspectives are sought by a leader who keeps promises, is willing to be wrong, extends themselves, overcomes short-term feelings, avoids harming others, shows trust, risks being let down, makes amends and who also promotes, togetherness, closeness, full disclosure, open dialogue, speaking the truth, does what they say they will do, doesn’t do what you say they won't do, develops others and their ideas, able to have fun, seeks solutions to problems, win/win agreements and closure and lives up to followers expectations through thoroughly understanding that power equals responsibility.
Step3
Think about it, practice it and phew... get me an aspirin!
THE GRAMMAR IS LOUSY, HOWEVER THE MESSAGE IS CLEAR.
How to Be a Mentor
Whether it is a formal mentoring program or just informally “adopting” a less experienced protégé on the job, here are some things to think about as you embark on a new kind of work relationship that is similar to a teacher/student bond.
Instructions
Difficulty: Moderately Easy
Things You’ll Need:
.Time
.Ability to advise and guide patience
Step1
Set Ground RulesEven if the mentoring plan is very unstructured, make sure that both of you understand the limits in terms of time, contact and extent of personal involvement. However you structure your relationship, discuss and agree on things up front.
Step2
Clear Some Quality TimeBecoming a mentor will require a regular meeting schedule with your new partner. This often means setting aside an hour or so each week to either meet with or talk to him as part of the mentoring process. Take the initiative to be the one to do this, setting a good example by valuing your time with him.
Step3
Share InterestsOne great way to start your relationship is to find some common interests outside the office. Perhaps you both enjoy skiing on weekends or watching football. Take the time up front to bond over these activities, whether or not you chose to spend time doing the activity together or not.
Step4
Be AvailableA true mentoring relationship involves interruption to your normal work patterns. Be prepared for this. Sometimes, it may be impossible to step in with advice at the time it is needed, but perhaps a phone call in the evening will suffice, if she is having a problem and needs your help.
Step5
Be SupportiveEven if your student makes major mistakes, help them to see the learning aspect of even bad situations. Encourage them to read and develop their job skills. Be a role model for them by doing this yourself. Reinforce positive and constructive behavior.
Step6
Ideas and IssuesOne school of thought suggests that it is optimal to have a mentor who works in the same industry but at another company. Others believe that being in the same firm is best. There is no rule that you cannot have two mentors, though this will take more time. Try different situations if you wish, but realize that the mix of your personalities can make or break the relationship. Personality type tests are a great way to assess your compatibility and will help you understand the other person better.
Instructions
Difficulty: Moderately Easy
Things You’ll Need:
.Time
.Ability to advise and guide patience
Step1
Set Ground RulesEven if the mentoring plan is very unstructured, make sure that both of you understand the limits in terms of time, contact and extent of personal involvement. However you structure your relationship, discuss and agree on things up front.
Step2
Clear Some Quality TimeBecoming a mentor will require a regular meeting schedule with your new partner. This often means setting aside an hour or so each week to either meet with or talk to him as part of the mentoring process. Take the initiative to be the one to do this, setting a good example by valuing your time with him.
Step3
Share InterestsOne great way to start your relationship is to find some common interests outside the office. Perhaps you both enjoy skiing on weekends or watching football. Take the time up front to bond over these activities, whether or not you chose to spend time doing the activity together or not.
Step4
Be AvailableA true mentoring relationship involves interruption to your normal work patterns. Be prepared for this. Sometimes, it may be impossible to step in with advice at the time it is needed, but perhaps a phone call in the evening will suffice, if she is having a problem and needs your help.
Step5
Be SupportiveEven if your student makes major mistakes, help them to see the learning aspect of even bad situations. Encourage them to read and develop their job skills. Be a role model for them by doing this yourself. Reinforce positive and constructive behavior.
Step6
Ideas and IssuesOne school of thought suggests that it is optimal to have a mentor who works in the same industry but at another company. Others believe that being in the same firm is best. There is no rule that you cannot have two mentors, though this will take more time. Try different situations if you wish, but realize that the mix of your personalities can make or break the relationship. Personality type tests are a great way to assess your compatibility and will help you understand the other person better.
Be a Great Communicator
One of the keys to a successful career in any field is effective communications. Being savvy about keeping people informed is an art form in itself. Here are some ideas to consider.
Instructions
Difficulty: Moderately Easy
Things You’ll Need:
.Willingness to develop better habits
Step1
Email is not always your best option. Realize that some information may require a personal meeting. In particular, it is fine to send an email if you are also doing a one-on-one when emotional or sensitive information is being communicated like handling or discussing performance problems of employees, for example.
Step2
Information involving persuading someone to see your point of view is best handled directly or at least by phone. Sometimes points of view are lost in an email or letter that would otherwise be convincing in person.
Step3
Don’t be afraid to over inform people. It is always better to keep people too much in the loop than not enough. Particularly, avoid situations where you do not tell your boss something important and he hears it from outside his group.
Step4
Keep your team or department updated on important activities, priorities and goals. You need to do this if you expect the same treatment from each of them.
Step5
Be systematic and timely about keeping your group updated by having frequent meetings, with the frequency dictated by the urgency of the work. TV news people may meet several times a day while some business groups need only meet monthly.
Step6
Get feedback from others about your communication skills. Find out what works and when from your boss and your peers. If you need to develop your presentation technique, it is well worth your time, as this effects how you are perceived by others.
Tips & Warnings
.Realize that everyone has communication strengths and areas for development. Some are superior at writing and others at graphic and visualizing information. Play to others strengths and help them improve as well, by provided constructive feedback. Keep in mind that good communication is the cornerstone of business success.
Instructions
Difficulty: Moderately Easy
Things You’ll Need:
.Willingness to develop better habits
Step1
Email is not always your best option. Realize that some information may require a personal meeting. In particular, it is fine to send an email if you are also doing a one-on-one when emotional or sensitive information is being communicated like handling or discussing performance problems of employees, for example.
Step2
Information involving persuading someone to see your point of view is best handled directly or at least by phone. Sometimes points of view are lost in an email or letter that would otherwise be convincing in person.
Step3
Don’t be afraid to over inform people. It is always better to keep people too much in the loop than not enough. Particularly, avoid situations where you do not tell your boss something important and he hears it from outside his group.
Step4
Keep your team or department updated on important activities, priorities and goals. You need to do this if you expect the same treatment from each of them.
Step5
Be systematic and timely about keeping your group updated by having frequent meetings, with the frequency dictated by the urgency of the work. TV news people may meet several times a day while some business groups need only meet monthly.
Step6
Get feedback from others about your communication skills. Find out what works and when from your boss and your peers. If you need to develop your presentation technique, it is well worth your time, as this effects how you are perceived by others.
Tips & Warnings
.Realize that everyone has communication strengths and areas for development. Some are superior at writing and others at graphic and visualizing information. Play to others strengths and help them improve as well, by provided constructive feedback. Keep in mind that good communication is the cornerstone of business success.
How to Be a Great Manager
You can be a highly effective manager if you can incorporate some basic principles into your everyday work practices. Here are some ideas to consider to help you learn how to be a great manager.
Instructions
Difficulty: Moderate
Things You’ll Need:
.Drive
.High energy
.Good people skills Strong work ethic
Step1
Managers need to be connected to one another. Make a daily practice of talking to each other manager at your level about what is going on in his area. You will garner good information and build rapport with others. Sure it is fine to talk about non-work stuff too, and socialize if you have things in common.
Step2
Treat everyone on the job with respect and courtesy at all times. This does not apply just to other managers. You need to set the example for everyone else. You need not be best buddies, but give others their due.
Step3
You should have meetings with your people on a regular basis and in some cases, where time sensitivity is paramount, daily meetings to ensure that everyone’s priorities are in line. Encourage questions and be courteous in answering them so as to encourage others to come forward if they don’t understand.
Step4
Learn to give out tasks to each of the people you manage. Some of them, like the older gent who has been there for 10 years, may not need close supervision and can be trusted to meet his quotas and deadlines. Still others, especially new people will need to be monitored periodically to ensure that they know what to do and how to do it.
Step5
Keep everyone in your group aware of the priorities and the order of priorities so they will do first things first. Avoid telling one employee and expecting him to communicate it to his work mates, unless he is a qualified lead person. This presents the impression of favoritism, which you want to avoid at all costs.
Step6
Allow each to talk about problems to you and be sympathetic. Giving them a hearing once in a while is good, and shows you are understanding. If the same person has personal problems all the time, however, beware. You may have a problem employee on your hands.
Step7
New employees often come to the company from other places where they have been trained to do work in a superior way. Take note and learn from these new folks. You might have a chance to do things better or faster than before. Be open and flexible.
Step8
Impose the same standards on all employees in the same way. Don’t favor anyone. If it is vital to the job, non-performance needs to be addressed with a structured disciplinary program. Train your supervisors to handle these situations.
Step9
Get your people ready to be promoted to higher levels by training and developing their skills. Even if it means a good one will be transferred to another part of the company, by developing your people, you are building a stronger base and your managerial achievements will be readily apparent to all.
Step10
Your effort to be positive is a gift that can make you a better manager. Strive to see the good side of things and point these out to your staff. Never talk bad about the company or people in higher-level positions or you will lower yourself in the eyes of your people.
Instructions
Difficulty: Moderate
Things You’ll Need:
.Drive
.High energy
.Good people skills Strong work ethic
Step1
Managers need to be connected to one another. Make a daily practice of talking to each other manager at your level about what is going on in his area. You will garner good information and build rapport with others. Sure it is fine to talk about non-work stuff too, and socialize if you have things in common.
Step2
Treat everyone on the job with respect and courtesy at all times. This does not apply just to other managers. You need to set the example for everyone else. You need not be best buddies, but give others their due.
Step3
You should have meetings with your people on a regular basis and in some cases, where time sensitivity is paramount, daily meetings to ensure that everyone’s priorities are in line. Encourage questions and be courteous in answering them so as to encourage others to come forward if they don’t understand.
Step4
Learn to give out tasks to each of the people you manage. Some of them, like the older gent who has been there for 10 years, may not need close supervision and can be trusted to meet his quotas and deadlines. Still others, especially new people will need to be monitored periodically to ensure that they know what to do and how to do it.
Step5
Keep everyone in your group aware of the priorities and the order of priorities so they will do first things first. Avoid telling one employee and expecting him to communicate it to his work mates, unless he is a qualified lead person. This presents the impression of favoritism, which you want to avoid at all costs.
Step6
Allow each to talk about problems to you and be sympathetic. Giving them a hearing once in a while is good, and shows you are understanding. If the same person has personal problems all the time, however, beware. You may have a problem employee on your hands.
Step7
New employees often come to the company from other places where they have been trained to do work in a superior way. Take note and learn from these new folks. You might have a chance to do things better or faster than before. Be open and flexible.
Step8
Impose the same standards on all employees in the same way. Don’t favor anyone. If it is vital to the job, non-performance needs to be addressed with a structured disciplinary program. Train your supervisors to handle these situations.
Step9
Get your people ready to be promoted to higher levels by training and developing their skills. Even if it means a good one will be transferred to another part of the company, by developing your people, you are building a stronger base and your managerial achievements will be readily apparent to all.
Step10
Your effort to be positive is a gift that can make you a better manager. Strive to see the good side of things and point these out to your staff. Never talk bad about the company or people in higher-level positions or you will lower yourself in the eyes of your people.
How to Be a Great Boss
Great bosses are a rare breed. How can you be the best boss at your workplace? Read on and keep these tips in mind as you manage your people.
Instructions Difficulty: Moderate
Things You’ll Need:
· Positive attitude
· Even temperament
· Charisma
Step1
Keeping your emotions under control at all times is pivotal to your reputation as a boss। Even one major blow-up or emotional outburst will be destructive to your overall effectiveness.
Step2
Treat people like people। Act like the boss you would want to have or have admired from your past. Your employees will appreciate you if you care and show them the utmost respect. Keep in mind that you set an example for everyone else. If your behavior is less than stellar, your people will feel it is okay to do the same.
Step3
Keep your folks informed on what is going on। You should have meeting on a regular basis. Make sure that priorities are lined up with goals and objectives. Encourage questions and be courteous in responding to issues raised as concerns. Follow up with people if you say you are going to get back to them.
Step4
Delegate often and effectively। Never give someone a job you would not be willing to do yourself. Check back with people to see how they are doing but not in a hounding mode. Show support and enthusiasm.
Step5
Keep everyone in your group aware of the priorities, so they will do first things first। Treat everyone in your group the same and don’t play favorites. All the members of your work team should be your favorites or inner circle.
Step6
Allow people to talk about problems to you and be sympathetic। Giving them a hearing is good, and shows you are understanding. If the same person has personal problems all the time, however, beware. You may have a problem employee on your hands.
Step7
Learn from your new people। New employees often come to the company from other places where they have been trained to do work in a superior way. Take note and learn from the new folks who worked for a more progressive company. You might have a chance to do things in a better way. Be open to these opportunities.
Step8
Get your people ready to be promoted to higher levels by training and developing their skills। Even if it means a good one will be transferred to another part of the company, by developing your people, you are building a stronger base. Also, someday your employee could be your boss. Treat him as well as if he were a boss or fellow manager.
Step9
Your effort to be positive is a gift that can make you a better manager। Strive to see the good side of things and point these out to your staff. Never talk bad about the company or people in higher level positions or you will lower yourself in the eyes of your people.
Tips & Warnings:
Everyone wants to be part of a winning team। Make sure you act like a winner and are willing to take reasonable risks। Others will follow you and cover your back as needed.
Instructions Difficulty: Moderate
Things You’ll Need:
· Positive attitude
· Even temperament
· Charisma
Step1
Keeping your emotions under control at all times is pivotal to your reputation as a boss। Even one major blow-up or emotional outburst will be destructive to your overall effectiveness.
Step2
Treat people like people। Act like the boss you would want to have or have admired from your past. Your employees will appreciate you if you care and show them the utmost respect. Keep in mind that you set an example for everyone else. If your behavior is less than stellar, your people will feel it is okay to do the same.
Step3
Keep your folks informed on what is going on। You should have meeting on a regular basis. Make sure that priorities are lined up with goals and objectives. Encourage questions and be courteous in responding to issues raised as concerns. Follow up with people if you say you are going to get back to them.
Step4
Delegate often and effectively। Never give someone a job you would not be willing to do yourself. Check back with people to see how they are doing but not in a hounding mode. Show support and enthusiasm.
Step5
Keep everyone in your group aware of the priorities, so they will do first things first। Treat everyone in your group the same and don’t play favorites. All the members of your work team should be your favorites or inner circle.
Step6
Allow people to talk about problems to you and be sympathetic। Giving them a hearing is good, and shows you are understanding. If the same person has personal problems all the time, however, beware. You may have a problem employee on your hands.
Step7
Learn from your new people। New employees often come to the company from other places where they have been trained to do work in a superior way. Take note and learn from the new folks who worked for a more progressive company. You might have a chance to do things in a better way. Be open to these opportunities.
Step8
Get your people ready to be promoted to higher levels by training and developing their skills। Even if it means a good one will be transferred to another part of the company, by developing your people, you are building a stronger base. Also, someday your employee could be your boss. Treat him as well as if he were a boss or fellow manager.
Step9
Your effort to be positive is a gift that can make you a better manager। Strive to see the good side of things and point these out to your staff. Never talk bad about the company or people in higher level positions or you will lower yourself in the eyes of your people.
Tips & Warnings:
Everyone wants to be part of a winning team। Make sure you act like a winner and are willing to take reasonable risks। Others will follow you and cover your back as needed.
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